id	sid	tid	token	lemma	pos
iaajah-7571	1	1	igwebuike	igwebuike	PROPN
iaajah-7571	1	2	:	:	PUNCT
iaajah-7571	1	3	an	an	DET
iaajah-7571	1	4	african	african	ADJ
iaajah-7571	1	5	journal	journal	NOUN
iaajah-7571	1	6	of	of	ADP
iaajah-7571	1	7	arts	art	NOUN
iaajah-7571	1	8	and	and	CCONJ
iaajah-7571	1	9	humanities	humanity	NOUN
iaajah-7571	1	10	vol	vol	NOUN
iaajah-7571	1	11	.	.	PUNCT
iaajah-7571	2	1	11	11	NUM
iaajah-7571	2	2	.	.	PUNCT
iaajah-7571	3	1	no	no	INTJ
iaajah-7571	3	2	.	.	NOUN
iaajah-7571	3	3	7	7	NUM
iaajah-7571	3	4	,	,	PUNCT
iaajah-7571	3	5	(	(	PUNCT
iaajah-7571	3	6	2025	2025	NUM
iaajah-7571	3	7	)	)	PUNCT
iaajah-7571	3	8	issn	issn	PROPN
iaajah-7571	3	9	:	:	PUNCT
iaajah-7571	3	10	24889210	24889210	NUM
iaajah-7571	3	11	(	(	PUNCT
iaajah-7571	3	12	print	print	NOUN
iaajah-7571	3	13	)	)	PUNCT
iaajah-7571	3	14	2504	2504	NUM
iaajah-7571	3	15	-	-	SYM
iaajah-7571	3	16	9038	9038	NUM
iaajah-7571	3	17	(	(	PUNCT
iaajah-7571	3	18	online	online	NOUN
iaajah-7571	3	19	)	)	PUNCT
iaajah-7571	3	20	dept	dept	NOUN
iaajah-7571	3	21	.	.	PROPN
iaajah-7571	4	1	of	of	ADP
iaajah-7571	4	2	philosophy	philosophy	NOUN
iaajah-7571	4	3	and	and	CCONJ
iaajah-7571	4	4	religious	religious	ADJ
iaajah-7571	4	5	studies	study	NOUN
iaajah-7571	4	6	,	,	PUNCT
iaajah-7571	4	7	tansian	tansian	PROPN
iaajah-7571	4	8	university	university	PROPN
iaajah-7571	4	9	umunya	umunya	PROPN
iaajah-7571	4	10	indexed	indexed	PROPN
iaajah-7571	4	11	:	:	PUNCT
iaajah-7571	4	12	academic	academic	ADJ
iaajah-7571	4	13	journals	journal	NOUN
iaajah-7571	4	14	online	online	ADV
iaajah-7571	4	15	,	,	PUNCT
iaajah-7571	4	16	google	google	PROPN
iaajah-7571	4	17	scholar	scholar	NOUN
iaajah-7571	4	18	,	,	PUNCT
iaajah-7571	4	19	igwebuike	igwebuike	PROPN
iaajah-7571	4	20	research	research	PROPN
iaajah-7571	4	21	institute	institute	PROPN
iaajah-7571	4	22	60	60	NUM
iaajah-7571	4	23	adoption	adoption	NOUN
iaajah-7571	4	24	of	of	ADP
iaajah-7571	4	25	ict	ict	NOUN
iaajah-7571	4	26	tools	tool	NOUN
iaajah-7571	4	27	for	for	ADP
iaajah-7571	4	28	internal	internal	ADJ
iaajah-7571	4	29	communication	communication	NOUN
iaajah-7571	4	30	in	in	ADP
iaajah-7571	4	31	nigerian	nigerian	ADJ
iaajah-7571	4	32	cooperative	cooperative	ADJ
iaajah-7571	4	33	unigwe	unigwe	NOUN
iaajah-7571	4	34	,	,	PUNCT
iaajah-7571	4	35	rosemary	rosemary	NOUN
iaajah-7571	4	36	ifeyinwa	ifeyinwa	ADV
iaajah-7571	4	37	,	,	PUNCT
iaajah-7571	4	38	ph.d	ph.d	PROPN
iaajah-7571	4	39	&	&	CCONJ
iaajah-7571	4	40	okika	okika	PROPN
iaajah-7571	4	41	nnaemeka	nnaemeka	PROPN
iaajah-7571	4	42	ibinedion	ibinedion	PROPN
iaajah-7571	4	43	university	university	PROPN
iaajah-7571	4	44	,	,	PUNCT
iaajah-7571	4	45	okada	okada	PROPN
iaajah-7571	4	46	,	,	PUNCT
iaajah-7571	4	47	edo	edo	PROPN
iaajah-7571	4	48	state	state	PROPN
iaajah-7571	4	49	ifeyinwa.rosemary@iuokada.edu.ng	ifeyinwa.rosemary@iuokada.edu.ng	PROPN
iaajah-7571	4	50	,	,	PUNCT
iaajah-7571	4	51	okikia.nnaemeka@iuokada.edu.ng	okikia.nnaemeka@iuokada.edu.ng	ADV
iaajah-7571	4	52	abstract	abstract	ADV
iaajah-7571	4	53	this	this	DET
iaajah-7571	4	54	chapter	chapter	NOUN
iaajah-7571	4	55	explores	explore	VERB
iaajah-7571	4	56	the	the	DET
iaajah-7571	4	57	adoption	adoption	NOUN
iaajah-7571	4	58	of	of	ADP
iaajah-7571	4	59	information	information	NOUN
iaajah-7571	4	60	and	and	CCONJ
iaajah-7571	4	61	communication	communication	NOUN
iaajah-7571	4	62	technology	technology	NOUN
iaajah-7571	4	63	(	(	PUNCT
iaajah-7571	4	64	ict	ict	NOUN
iaajah-7571	4	65	)	)	PUNCT
iaajah-7571	4	66	tools	tool	NOUN
iaajah-7571	4	67	for	for	ADP
iaajah-7571	4	68	internal	internal	ADJ
iaajah-7571	4	69	communication	communication	NOUN
iaajah-7571	4	70	in	in	ADP
iaajah-7571	4	71	nigerian	nigerian	ADJ
iaajah-7571	4	72	cooperative	cooperative	ADJ
iaajah-7571	4	73	societies	society	NOUN
iaajah-7571	4	74	.	.	PUNCT
iaajah-7571	5	1	cooperatives	cooperative	NOUN
iaajah-7571	5	2	remain	remain	VERB
iaajah-7571	5	3	essential	essential	ADJ
iaajah-7571	5	4	vehicles	vehicle	NOUN
iaajah-7571	5	5	for	for	ADP
iaajah-7571	5	6	grassroots	grassroots	ADJ
iaajah-7571	5	7	economic	economic	ADJ
iaajah-7571	5	8	development	development	NOUN
iaajah-7571	5	9	,	,	PUNCT
iaajah-7571	5	10	promoting	promote	VERB
iaajah-7571	5	11	savings	saving	NOUN
iaajah-7571	5	12	,	,	PUNCT
iaajah-7571	5	13	access	access	NOUN
iaajah-7571	5	14	to	to	ADP
iaajah-7571	5	15	credit	credit	NOUN
iaajah-7571	5	16	,	,	PUNCT
iaajah-7571	5	17	and	and	CCONJ
iaajah-7571	5	18	collective	collective	ADJ
iaajah-7571	5	19	enterprise	enterprise	NOUN
iaajah-7571	5	20	.	.	PUNCT
iaajah-7571	6	1	however	however	ADV
iaajah-7571	6	2	,	,	PUNCT
iaajah-7571	6	3	traditional	traditional	ADJ
iaajah-7571	6	4	communication	communication	NOUN
iaajah-7571	6	5	methods	method	NOUN
iaajah-7571	6	6	such	such	ADJ
iaajah-7571	6	7	as	as	ADP
iaajah-7571	6	8	face	face	NOUN
iaajah-7571	6	9	-	-	PUNCT
iaajah-7571	6	10	to	to	ADP
iaajah-7571	6	11	-	-	PUNCT
iaajah-7571	6	12	face	face	NOUN
iaajah-7571	6	13	meetings	meeting	NOUN
iaajah-7571	6	14	and	and	CCONJ
iaajah-7571	6	15	printed	print	VERB
iaajah-7571	6	16	notices	notice	NOUN
iaajah-7571	6	17	often	often	ADV
iaajah-7571	6	18	fall	fall	VERB
iaajah-7571	6	19	short	short	ADJ
iaajah-7571	6	20	in	in	ADP
iaajah-7571	6	21	terms	term	NOUN
iaajah-7571	6	22	of	of	ADP
iaajah-7571	6	23	timeliness	timeliness	NOUN
iaajah-7571	6	24	,	,	PUNCT
iaajah-7571	6	25	accessibility	accessibility	NOUN
iaajah-7571	6	26	,	,	PUNCT
iaajah-7571	6	27	and	and	CCONJ
iaajah-7571	6	28	consistency	consistency	NOUN
iaajah-7571	6	29	,	,	PUNCT
iaajah-7571	6	30	especially	especially	ADV
iaajah-7571	6	31	in	in	ADP
iaajah-7571	6	32	rural	rural	ADJ
iaajah-7571	6	33	and	and	CCONJ
iaajah-7571	6	34	low	low	ADJ
iaajah-7571	6	35	-	-	PUNCT
iaajah-7571	6	36	resource	resource	NOUN
iaajah-7571	6	37	contexts	contexts	NOUN
iaajah-7571	6	38	.	.	PUNCT
iaajah-7571	7	1	with	with	ADP
iaajah-7571	7	2	the	the	DET
iaajah-7571	7	3	emergence	emergence	NOUN
iaajah-7571	7	4	of	of	ADP
iaajah-7571	7	5	mobile	mobile	ADJ
iaajah-7571	7	6	phones	phone	NOUN
iaajah-7571	7	7	,	,	PUNCT
iaajah-7571	7	8	social	social	ADJ
iaajah-7571	7	9	media	medium	NOUN
iaajah-7571	7	10	,	,	PUNCT
iaajah-7571	7	11	email	email	NOUN
iaajah-7571	7	12	,	,	PUNCT
iaajah-7571	7	13	and	and	CCONJ
iaajah-7571	7	14	cooperative	cooperative	ADJ
iaajah-7571	7	15	management	management	NOUN
iaajah-7571	7	16	software	software	NOUN
iaajah-7571	7	17	,	,	PUNCT
iaajah-7571	7	18	ict	ict	PROPN
iaajah-7571	7	19	has	have	AUX
iaajah-7571	7	20	become	become	VERB
iaajah-7571	7	21	an	an	DET
iaajah-7571	7	22	increasingly	increasingly	ADV
iaajah-7571	7	23	vital	vital	ADJ
iaajah-7571	7	24	tool	tool	NOUN
iaajah-7571	7	25	for	for	ADP
iaajah-7571	7	26	enhancing	enhance	VERB
iaajah-7571	7	27	communication	communication	NOUN
iaajah-7571	7	28	,	,	PUNCT
iaajah-7571	7	29	transparency	transparency	NOUN
iaajah-7571	7	30	,	,	PUNCT
iaajah-7571	7	31	and	and	CCONJ
iaajah-7571	7	32	member	member	NOUN
iaajah-7571	7	33	engagement	engagement	NOUN
iaajah-7571	7	34	.	.	PUNCT
iaajah-7571	8	1	drawing	draw	VERB
iaajah-7571	8	2	from	from	ADP
iaajah-7571	8	3	real	real	ADJ
iaajah-7571	8	4	-	-	PUNCT
iaajah-7571	8	5	life	life	NOUN
iaajah-7571	8	6	case	case	NOUN
iaajah-7571	8	7	studies	study	NOUN
iaajah-7571	8	8	across	across	ADP
iaajah-7571	8	9	four	four	NUM
iaajah-7571	8	10	regions	region	NOUN
iaajah-7571	8	11	in	in	ADP
iaajah-7571	8	12	nigeria	nigeria	PROPN
iaajah-7571	8	13	,	,	PUNCT
iaajah-7571	8	14	this	this	DET
iaajah-7571	8	15	chapter	chapter	NOUN
iaajah-7571	8	16	highlights	highlight	VERB
iaajah-7571	8	17	both	both	CCONJ
iaajah-7571	8	18	the	the	DET
iaajah-7571	8	19	benefits	benefit	NOUN
iaajah-7571	8	20	and	and	CCONJ
iaajah-7571	8	21	challenges	challenge	NOUN
iaajah-7571	8	22	of	of	ADP
iaajah-7571	8	23	ict	ict	NOUN
iaajah-7571	8	24	integration	integration	NOUN
iaajah-7571	8	25	in	in	ADP
iaajah-7571	8	26	cooperatives	cooperative	NOUN
iaajah-7571	8	27	.	.	PUNCT
iaajah-7571	9	1	it	it	PRON
iaajah-7571	9	2	also	also	ADV
iaajah-7571	9	3	offers	offer	VERB
iaajah-7571	9	4	practical	practical	ADJ
iaajah-7571	9	5	recommendations	recommendation	NOUN
iaajah-7571	9	6	for	for	ADP
iaajah-7571	9	7	policymakers	policymaker	NOUN
iaajah-7571	9	8	,	,	PUNCT
iaajah-7571	9	9	cooperative	cooperative	ADJ
iaajah-7571	9	10	leaders	leader	NOUN
iaajah-7571	9	11	,	,	PUNCT
iaajah-7571	9	12	and	and	CCONJ
iaajah-7571	9	13	development	development	NOUN
iaajah-7571	9	14	partners	partner	NOUN
iaajah-7571	9	15	on	on	ADP
iaajah-7571	9	16	how	how	SCONJ
iaajah-7571	9	17	to	to	PART
iaajah-7571	9	18	strengthen	strengthen	VERB
iaajah-7571	9	19	ict	ict	PROPN
iaajah-7571	9	20	adoption	adoption	NOUN
iaajah-7571	9	21	through	through	ADP
iaajah-7571	9	22	digital	digital	ADJ
iaajah-7571	9	23	literacy	literacy	NOUN
iaajah-7571	9	24	programs	program	NOUN
iaajah-7571	9	25	,	,	PUNCT
iaajah-7571	9	26	infrastructure	infrastructure	NOUN
iaajah-7571	9	27	investment	investment	NOUN
iaajah-7571	9	28	,	,	PUNCT
iaajah-7571	9	29	simplified	simplify	VERB
iaajah-7571	9	30	tools	tool	NOUN
iaajah-7571	9	31	,	,	PUNCT
iaajah-7571	9	32	and	and	CCONJ
iaajah-7571	9	33	inclusive	inclusive	ADJ
iaajah-7571	9	34	strategies	strategy	NOUN
iaajah-7571	9	35	.	.	PUNCT
iaajah-7571	10	1	the	the	DET
iaajah-7571	10	2	chapter	chapter	NOUN
iaajah-7571	10	3	argues	argue	VERB
iaajah-7571	10	4	that	that	SCONJ
iaajah-7571	10	5	digital	digital	ADJ
iaajah-7571	10	6	transformation	transformation	NOUN
iaajah-7571	10	7	in	in	ADP
iaajah-7571	10	8	cooperatives	cooperative	NOUN
iaajah-7571	10	9	must	must	AUX
iaajah-7571	10	10	be	be	AUX
iaajah-7571	10	11	intentional	intentional	ADJ
iaajah-7571	10	12	,	,	PUNCT
iaajah-7571	10	13	inclusive	inclusive	ADJ
iaajah-7571	10	14	,	,	PUNCT
iaajah-7571	10	15	and	and	CCONJ
iaajah-7571	10	16	tailored	tailor	VERB
iaajah-7571	10	17	to	to	PART
iaajah-7571	10	18	context	context	VERB
iaajah-7571	10	19	if	if	SCONJ
iaajah-7571	10	20	it	it	PRON
iaajah-7571	10	21	is	be	AUX
iaajah-7571	10	22	to	to	PART
iaajah-7571	10	23	foster	foster	VERB
iaajah-7571	10	24	equitable	equitable	ADJ
iaajah-7571	10	25	participation	participation	NOUN
iaajah-7571	10	26	and	and	CCONJ
iaajah-7571	10	27	sustainable	sustainable	ADJ
iaajah-7571	10	28	growth	growth	NOUN
iaajah-7571	10	29	in	in	ADP
iaajah-7571	10	30	nigeria	nigeria	PROPN
iaajah-7571	10	31	’s	’s	PART
iaajah-7571	10	32	cooperative	cooperative	ADJ
iaajah-7571	10	33	sector	sector	NOUN
iaajah-7571	10	34	.	.	PUNCT
iaajah-7571	11	1	keywords	keyword	NOUN
iaajah-7571	11	2	:	:	PUNCT
iaajah-7571	11	3	ict	ict	NOUN
iaajah-7571	11	4	,	,	PUNCT
iaajah-7571	11	5	communication	communication	NOUN
iaajah-7571	11	6	,	,	PUNCT
iaajah-7571	11	7	nigeria	nigeria	PROPN
iaajah-7571	11	8	,	,	PUNCT
iaajah-7571	11	9	information	information	NOUN
iaajah-7571	11	10	.	.	PUNCT
iaajah-7571	12	1	cooperatives	cooperative	NOUN
iaajah-7571	12	2	introduction	introduction	NOUN
iaajah-7571	12	3	cooperative	cooperative	ADJ
iaajah-7571	12	4	societies	society	NOUN
iaajah-7571	12	5	have	have	AUX
iaajah-7571	12	6	long	long	ADV
iaajah-7571	12	7	been	be	AUX
iaajah-7571	12	8	pillars	pillar	NOUN
iaajah-7571	12	9	of	of	ADP
iaajah-7571	12	10	grassroots	grassroots	ADJ
iaajah-7571	12	11	economic	economic	ADJ
iaajah-7571	12	12	empowerment	empowerment	NOUN
iaajah-7571	12	13	and	and	CCONJ
iaajah-7571	12	14	social	social	ADJ
iaajah-7571	12	15	development	development	NOUN
iaajah-7571	12	16	in	in	ADP
iaajah-7571	12	17	nigeria	nigeria	PROPN
iaajah-7571	12	18	.	.	PUNCT
iaajah-7571	13	1	originating	originate	VERB
iaajah-7571	13	2	from	from	ADP
iaajah-7571	13	3	both	both	CCONJ
iaajah-7571	13	4	formal	formal	ADJ
iaajah-7571	13	5	and	and	CCONJ
iaajah-7571	13	6	informal	informal	ADJ
iaajah-7571	13	7	mutual	mutual	ADJ
iaajah-7571	13	8	aid	aid	NOUN
iaajah-7571	13	9	arrangements	arrangement	NOUN
iaajah-7571	13	10	,	,	PUNCT
iaajah-7571	13	11	cooperatives	cooperative	NOUN
iaajah-7571	13	12	serve	serve	VERB
iaajah-7571	13	13	as	as	ADP
iaajah-7571	13	14	critical	critical	ADJ
iaajah-7571	13	15	platforms	platform	NOUN
iaajah-7571	13	16	for	for	ADP
iaajah-7571	13	17	individuals	individual	NOUN
iaajah-7571	13	18	especially	especially	ADV
iaajah-7571	13	19	those	those	PRON
iaajah-7571	13	20	in	in	ADP
iaajah-7571	13	21	rural	rural	ADJ
iaajah-7571	13	22	and	and	CCONJ
iaajah-7571	13	23	low	low	ADJ
iaajah-7571	13	24	-	-	PUNCT
iaajah-7571	13	25	income	income	NOUN
iaajah-7571	13	26	communities	community	NOUN
iaajah-7571	13	27	to	to	ADP
iaajah-7571	13	28	pool	pool	NOUN
iaajah-7571	13	29	resources	resource	NOUN
iaajah-7571	13	30	,	,	PUNCT
iaajah-7571	13	31	access	access	NOUN
iaajah-7571	13	32	credit	credit	NOUN
iaajah-7571	13	33	,	,	PUNCT
iaajah-7571	13	34	promote	promote	VERB
iaajah-7571	13	35	savings	saving	NOUN
iaajah-7571	13	36	,	,	PUNCT
iaajah-7571	13	37	and	and	CCONJ
iaajah-7571	13	38	engage	engage	VERB
iaajah-7571	13	39	in	in	ADP
iaajah-7571	13	40	group	group	NOUN
iaajah-7571	13	41	investments	investment	NOUN
iaajah-7571	13	42	.	.	PUNCT
iaajah-7571	14	1	they	they	PRON
iaajah-7571	14	2	also	also	ADV
iaajah-7571	14	3	play	play	VERB
iaajah-7571	14	4	a	a	DET
iaajah-7571	14	5	significant	significant	ADJ
iaajah-7571	14	6	role	role	NOUN
iaajah-7571	14	7	in	in	ADP
iaajah-7571	14	8	fostering	foster	VERB
iaajah-7571	14	9	social	social	ADJ
iaajah-7571	14	10	capital	capital	NOUN
iaajah-7571	14	11	,	,	PUNCT
iaajah-7571	14	12	trust	trust	NOUN
iaajah-7571	14	13	,	,	PUNCT
iaajah-7571	14	14	and	and	CCONJ
iaajah-7571	14	15	collective	collective	ADJ
iaajah-7571	14	16	bargaining	bargaining	NOUN
iaajah-7571	14	17	power	power	NOUN
iaajah-7571	14	18	among	among	ADP
iaajah-7571	14	19	members	member	NOUN
iaajah-7571	14	20	(	(	PUNCT
iaajah-7571	14	21	chambo	chambo	NOUN
iaajah-7571	14	22	,	,	PUNCT
iaajah-7571	14	23	2009	2009	NUM
iaajah-7571	14	24	)	)	PUNCT
iaajah-7571	14	25	.	.	PUNCT
iaajah-7571	15	1	in	in	ADP
iaajah-7571	15	2	a	a	DET
iaajah-7571	15	3	country	country	NOUN
iaajah-7571	15	4	where	where	SCONJ
iaajah-7571	15	5	the	the	DET
iaajah-7571	15	6	formal	formal	ADJ
iaajah-7571	15	7	banking	banking	NOUN
iaajah-7571	15	8	sector	sector	NOUN
iaajah-7571	15	9	often	often	ADV
iaajah-7571	15	10	excludes	exclude	VERB
iaajah-7571	15	11	the	the	DET
iaajah-7571	15	12	poor	poor	ADJ
iaajah-7571	15	13	and	and	CCONJ
iaajah-7571	15	14	rural	rural	ADJ
iaajah-7571	15	15	dwellers	dweller	NOUN
iaajah-7571	15	16	,	,	PUNCT
iaajah-7571	15	17	cooperative	cooperative	ADJ
iaajah-7571	15	18	societies	society	NOUN
iaajah-7571	15	19	have	have	AUX
iaajah-7571	15	20	provided	provide	VERB
iaajah-7571	15	21	a	a	DET
iaajah-7571	15	22	lifeline	lifeline	NOUN
iaajah-7571	15	23	for	for	ADP
iaajah-7571	15	24	millions	million	NOUN
iaajah-7571	15	25	,	,	PUNCT
iaajah-7571	15	26	helping	help	VERB
iaajah-7571	15	27	to	to	PART
iaajah-7571	15	28	finance	finance	VERB
iaajah-7571	15	29	small	small	ADJ
iaajah-7571	15	30	businesses	business	NOUN
iaajah-7571	15	31	,	,	PUNCT
iaajah-7571	15	32	pay	pay	VERB
iaajah-7571	15	33	school	school	NOUN
iaajah-7571	15	34	fees	fee	NOUN
iaajah-7571	15	35	,	,	PUNCT
iaajah-7571	15	36	invest	invest	VERB
iaajah-7571	15	37	in	in	ADP
iaajah-7571	15	38	agriculture	agriculture	NOUN
iaajah-7571	15	39	,	,	PUNCT
iaajah-7571	15	40	and	and	CCONJ
iaajah-7571	15	41	respond	respond	VERB
iaajah-7571	15	42	to	to	ADP
iaajah-7571	15	43	household	household	NOUN
iaajah-7571	15	44	emergencies	emergency	NOUN
iaajah-7571	15	45	.	.	PUNCT
iaajah-7571	16	1	despite	despite	SCONJ
iaajah-7571	16	2	their	their	PRON
iaajah-7571	16	3	many	many	ADJ
iaajah-7571	16	4	benefits	benefit	NOUN
iaajah-7571	16	5	,	,	PUNCT
iaajah-7571	16	6	the	the	DET
iaajah-7571	16	7	efficiency	efficiency	NOUN
iaajah-7571	16	8	and	and	CCONJ
iaajah-7571	16	9	impact	impact	NOUN
iaajah-7571	16	10	of	of	ADP
iaajah-7571	16	11	cooperatives	cooperative	NOUN
iaajah-7571	16	12	depend	depend	VERB
iaajah-7571	16	13	largely	largely	ADV
iaajah-7571	16	14	on	on	ADP
iaajah-7571	16	15	how	how	SCONJ
iaajah-7571	16	16	well	well	ADV
iaajah-7571	16	17	internal	internal	ADJ
iaajah-7571	16	18	communication	communication	NOUN
iaajah-7571	16	19	is	be	AUX
iaajah-7571	16	20	managed	manage	VERB
iaajah-7571	16	21	.	.	PUNCT
iaajah-7571	17	1	communication	communication	NOUN
iaajah-7571	17	2	within	within	ADP
iaajah-7571	17	3	a	a	DET
iaajah-7571	17	4	cooperative	cooperative	ADJ
iaajah-7571	17	5	society	society	NOUN
iaajah-7571	17	6	involves	involve	VERB
iaajah-7571	17	7	the	the	DET
iaajah-7571	17	8	flow	flow	NOUN
iaajah-7571	17	9	of	of	ADP
iaajah-7571	17	10	information	information	NOUN
iaajah-7571	17	11	between	between	ADP
iaajah-7571	17	12	leaders	leader	NOUN
iaajah-7571	17	13	,	,	PUNCT
iaajah-7571	17	14	members	member	NOUN
iaajah-7571	17	15	,	,	PUNCT
iaajah-7571	17	16	staff	staff	NOUN
iaajah-7571	17	17	,	,	PUNCT
iaajah-7571	17	18	and	and	CCONJ
iaajah-7571	17	19	committees	committee	NOUN
iaajah-7571	17	20	—	—	PUNCT
iaajah-7571	17	21	ranging	range	VERB
iaajah-7571	17	22	from	from	ADP
iaajah-7571	17	23	meeting	meet	VERB
iaajah-7571	17	24	announcements	announcement	NOUN
iaajah-7571	17	25	and	and	CCONJ
iaajah-7571	17	26	financial	financial	ADJ
iaajah-7571	17	27	updates	update	NOUN
iaajah-7571	17	28	to	to	ADP
iaajah-7571	17	29	training	training	NOUN
iaajah-7571	17	30	materials	material	NOUN
iaajah-7571	17	31	and	and	CCONJ
iaajah-7571	17	32	urgent	urgent	ADJ
iaajah-7571	17	33	alerts	alert	NOUN
iaajah-7571	17	34	.	.	PUNCT
iaajah-7571	18	1	as	as	SCONJ
iaajah-7571	18	2	cooperatives	cooperative	NOUN
iaajah-7571	18	3	grow	grow	VERB
iaajah-7571	18	4	in	in	ADP
iaajah-7571	18	5	size	size	NOUN
iaajah-7571	18	6	and	and	CCONJ
iaajah-7571	18	7	complexity	complexity	NOUN
iaajah-7571	18	8	,	,	PUNCT
iaajah-7571	18	9	maintaining	maintain	VERB
iaajah-7571	18	10	open	open	ADJ
iaajah-7571	18	11	,	,	PUNCT
iaajah-7571	18	12	transparent	transparent	ADJ
iaajah-7571	18	13	,	,	PUNCT
iaajah-7571	18	14	and	and	CCONJ
iaajah-7571	18	15	timely	timely	ADJ
iaajah-7571	18	16	communication	communication	NOUN
iaajah-7571	18	17	becomes	become	VERB
iaajah-7571	18	18	increasingly	increasingly	ADV
iaajah-7571	18	19	essential	essential	ADJ
iaajah-7571	18	20	.	.	PUNCT
iaajah-7571	19	1	it	it	PRON
iaajah-7571	19	2	enhances	enhance	VERB
iaajah-7571	19	3	member	member	NOUN
iaajah-7571	19	4	participation	participation	NOUN
iaajah-7571	19	5	,	,	PUNCT
iaajah-7571	19	6	facilitates	facilitate	VERB
iaajah-7571	19	7	quicker	quick	ADJ
iaajah-7571	19	8	decision	decision	NOUN
iaajah-7571	19	9	-	-	PUNCT
iaajah-7571	19	10	making	making	NOUN
iaajah-7571	19	11	,	,	PUNCT
iaajah-7571	19	12	igwebuike	igwebuike	NOUN
iaajah-7571	19	13	:	:	PUNCT
iaajah-7571	19	14	an	an	DET
iaajah-7571	19	15	african	african	ADJ
iaajah-7571	19	16	journal	journal	NOUN
iaajah-7571	19	17	of	of	ADP
iaajah-7571	19	18	arts	art	NOUN
iaajah-7571	19	19	and	and	CCONJ
iaajah-7571	19	20	humanities	humanity	NOUN
iaajah-7571	19	21	vol	vol	NOUN
iaajah-7571	19	22	.	.	PUNCT
iaajah-7571	20	1	11	11	NUM
iaajah-7571	20	2	.	.	PUNCT
iaajah-7571	21	1	no	no	INTJ
iaajah-7571	21	2	.	.	NOUN
iaajah-7571	21	3	7	7	NUM
iaajah-7571	21	4	,	,	PUNCT
iaajah-7571	21	5	(	(	PUNCT
iaajah-7571	21	6	2025	2025	NUM
iaajah-7571	21	7	)	)	PUNCT
iaajah-7571	21	8	issn	issn	PROPN
iaajah-7571	21	9	:	:	PUNCT
iaajah-7571	21	10	24889210	24889210	NUM
iaajah-7571	21	11	(	(	PUNCT
iaajah-7571	21	12	print	print	NOUN
iaajah-7571	21	13	)	)	PUNCT
iaajah-7571	21	14	2504	2504	NUM
iaajah-7571	21	15	-	-	SYM
iaajah-7571	21	16	9038	9038	NUM
iaajah-7571	21	17	(	(	PUNCT
iaajah-7571	21	18	online	online	NOUN
iaajah-7571	21	19	)	)	PUNCT
iaajah-7571	21	20	dept	dept	NOUN
iaajah-7571	21	21	.	.	PROPN
iaajah-7571	22	1	of	of	ADP
iaajah-7571	22	2	philosophy	philosophy	NOUN
iaajah-7571	22	3	and	and	CCONJ
iaajah-7571	22	4	religious	religious	ADJ
iaajah-7571	22	5	studies	study	NOUN
iaajah-7571	22	6	,	,	PUNCT
iaajah-7571	22	7	tansian	tansian	PROPN
iaajah-7571	22	8	university	university	PROPN
iaajah-7571	22	9	umunya	umunya	PROPN
iaajah-7571	22	10	indexed	indexed	PROPN
iaajah-7571	22	11	:	:	PUNCT
iaajah-7571	22	12	academic	academic	ADJ
iaajah-7571	22	13	journals	journal	NOUN
iaajah-7571	22	14	online	online	ADV
iaajah-7571	22	15	,	,	PUNCT
iaajah-7571	22	16	google	google	PROPN
iaajah-7571	22	17	scholar	scholar	NOUN
iaajah-7571	22	18	,	,	PUNCT
iaajah-7571	22	19	igwebuike	igwebuike	PROPN
iaajah-7571	22	20	research	research	PROPN
iaajah-7571	22	21	institute	institute	PROPN
iaajah-7571	22	22	61	61	NUM
iaajah-7571	22	23	builds	build	VERB
iaajah-7571	22	24	trust	trust	NOUN
iaajah-7571	22	25	in	in	ADP
iaajah-7571	22	26	leadership	leadership	NOUN
iaajah-7571	22	27	,	,	PUNCT
iaajah-7571	22	28	and	and	CCONJ
iaajah-7571	22	29	ensures	ensure	VERB
iaajah-7571	22	30	that	that	SCONJ
iaajah-7571	22	31	all	all	DET
iaajah-7571	22	32	members	member	NOUN
iaajah-7571	22	33	are	be	AUX
iaajah-7571	22	34	kept	keep	VERB
iaajah-7571	22	35	abreast	abreast	ADV
iaajah-7571	22	36	of	of	ADP
iaajah-7571	22	37	developments	development	NOUN
iaajah-7571	22	38	that	that	PRON
iaajah-7571	22	39	affect	affect	VERB
iaajah-7571	22	40	them	they	PRON
iaajah-7571	22	41	.	.	PUNCT
iaajah-7571	23	1	however	however	ADV
iaajah-7571	23	2	,	,	PUNCT
iaajah-7571	23	3	many	many	ADJ
iaajah-7571	23	4	nigerian	nigerian	ADJ
iaajah-7571	23	5	cooperatives	cooperative	NOUN
iaajah-7571	23	6	still	still	ADV
iaajah-7571	23	7	rely	rely	VERB
iaajah-7571	23	8	on	on	ADP
iaajah-7571	23	9	traditional	traditional	ADJ
iaajah-7571	23	10	methods	method	NOUN
iaajah-7571	23	11	of	of	ADP
iaajah-7571	23	12	communication	communication	NOUN
iaajah-7571	23	13	,	,	PUNCT
iaajah-7571	23	14	such	such	ADJ
iaajah-7571	23	15	as	as	ADP
iaajah-7571	23	16	handwritten	handwritten	ADJ
iaajah-7571	23	17	notices	notice	NOUN
iaajah-7571	23	18	,	,	PUNCT
iaajah-7571	23	19	physical	physical	ADJ
iaajah-7571	23	20	meetings	meeting	NOUN
iaajah-7571	23	21	,	,	PUNCT
iaajah-7571	23	22	and	and	CCONJ
iaajah-7571	23	23	verbal	verbal	ADJ
iaajah-7571	23	24	announcements	announcement	NOUN
iaajah-7571	23	25	.	.	PUNCT
iaajah-7571	24	1	while	while	SCONJ
iaajah-7571	24	2	these	these	DET
iaajah-7571	24	3	approaches	approach	NOUN
iaajah-7571	24	4	have	have	AUX
iaajah-7571	24	5	served	serve	VERB
iaajah-7571	24	6	their	their	PRON
iaajah-7571	24	7	purpose	purpose	NOUN
iaajah-7571	24	8	in	in	ADP
iaajah-7571	24	9	the	the	DET
iaajah-7571	24	10	past	past	NOUN
iaajah-7571	24	11	,	,	PUNCT
iaajah-7571	24	12	they	they	PRON
iaajah-7571	24	13	are	be	AUX
iaajah-7571	24	14	often	often	ADV
iaajah-7571	24	15	inefficient	inefficient	ADJ
iaajah-7571	24	16	and	and	CCONJ
iaajah-7571	24	17	unsustainable	unsustainable	ADJ
iaajah-7571	24	18	in	in	ADP
iaajah-7571	24	19	today	today	NOUN
iaajah-7571	24	20	’s	’s	PART
iaajah-7571	24	21	fast	fast	ADV
iaajah-7571	24	22	-	-	PUNCT
iaajah-7571	24	23	paced	pace	VERB
iaajah-7571	24	24	environment	environment	NOUN
iaajah-7571	24	25	.	.	PUNCT
iaajah-7571	25	1	face	face	NOUN
iaajah-7571	25	2	-	-	PUNCT
iaajah-7571	25	3	to	to	ADP
iaajah-7571	25	4	-	-	PUNCT
iaajah-7571	25	5	face	face	NOUN
iaajah-7571	25	6	meetings	meeting	NOUN
iaajah-7571	25	7	,	,	PUNCT
iaajah-7571	25	8	for	for	ADP
iaajah-7571	25	9	example	example	NOUN
iaajah-7571	25	10	,	,	PUNCT
iaajah-7571	25	11	may	may	AUX
iaajah-7571	25	12	be	be	AUX
iaajah-7571	25	13	difficult	difficult	ADJ
iaajah-7571	25	14	to	to	PART
iaajah-7571	25	15	organize	organize	VERB
iaajah-7571	25	16	regularly	regularly	ADV
iaajah-7571	25	17	due	due	ADP
iaajah-7571	25	18	to	to	ADP
iaajah-7571	25	19	members	member	NOUN
iaajah-7571	25	20	’	'	PUNCT
iaajah-7571	25	21	geographic	geographic	ADJ
iaajah-7571	25	22	dispersion	dispersion	NOUN
iaajah-7571	25	23	,	,	PUNCT
iaajah-7571	25	24	work	work	NOUN
iaajah-7571	25	25	schedules	schedule	NOUN
iaajah-7571	25	26	,	,	PUNCT
iaajah-7571	25	27	or	or	CCONJ
iaajah-7571	25	28	security	security	NOUN
iaajah-7571	25	29	concerns	concern	NOUN
iaajah-7571	25	30	.	.	PUNCT
iaajah-7571	26	1	printed	print	VERB
iaajah-7571	26	2	memos	memo	NOUN
iaajah-7571	26	3	can	can	AUX
iaajah-7571	26	4	be	be	AUX
iaajah-7571	26	5	lost	lose	VERB
iaajah-7571	26	6	,	,	PUNCT
iaajah-7571	26	7	delayed	delay	VERB
iaajah-7571	26	8	,	,	PUNCT
iaajah-7571	26	9	or	or	CCONJ
iaajah-7571	26	10	never	never	ADV
iaajah-7571	26	11	received	receive	VERB
iaajah-7571	26	12	.	.	PUNCT
iaajah-7571	27	1	moreover	moreover	ADV
iaajah-7571	27	2	,	,	PUNCT
iaajah-7571	27	3	such	such	ADJ
iaajah-7571	27	4	methods	method	NOUN
iaajah-7571	27	5	are	be	AUX
iaajah-7571	27	6	highly	highly	ADV
iaajah-7571	27	7	vulnerable	vulnerable	ADJ
iaajah-7571	27	8	to	to	ADP
iaajah-7571	27	9	disruptions	disruption	NOUN
iaajah-7571	27	10	—	—	PUNCT
iaajah-7571	27	11	whether	whether	SCONJ
iaajah-7571	27	12	due	due	ADP
iaajah-7571	27	13	to	to	ADP
iaajah-7571	27	14	health	health	NOUN
iaajah-7571	27	15	pandemics	pandemic	NOUN
iaajah-7571	27	16	,	,	PUNCT
iaajah-7571	27	17	transportation	transportation	NOUN
iaajah-7571	27	18	issues	issue	NOUN
iaajah-7571	27	19	,	,	PUNCT
iaajah-7571	27	20	or	or	CCONJ
iaajah-7571	27	21	natural	natural	ADJ
iaajah-7571	27	22	disasters	disaster	NOUN
iaajah-7571	27	23	—	—	PUNCT
iaajah-7571	27	24	which	which	PRON
iaajah-7571	27	25	can	can	AUX
iaajah-7571	27	26	paralyze	paralyze	VERB
iaajah-7571	27	27	communication	communication	NOUN
iaajah-7571	27	28	and	and	CCONJ
iaajah-7571	27	29	stall	stall	VERB
iaajah-7571	27	30	cooperative	cooperative	ADJ
iaajah-7571	27	31	activities	activity	NOUN
iaajah-7571	27	32	.	.	PUNCT
iaajah-7571	28	1	in	in	ADP
iaajah-7571	28	2	this	this	DET
iaajah-7571	28	3	context	context	NOUN
iaajah-7571	28	4	,	,	PUNCT
iaajah-7571	28	5	the	the	DET
iaajah-7571	28	6	adoption	adoption	NOUN
iaajah-7571	28	7	of	of	ADP
iaajah-7571	28	8	information	information	NOUN
iaajah-7571	28	9	and	and	CCONJ
iaajah-7571	28	10	communication	communication	NOUN
iaajah-7571	28	11	technology	technology	NOUN
iaajah-7571	28	12	(	(	PUNCT
iaajah-7571	28	13	ict	ict	PROPN
iaajah-7571	28	14	)	)	PUNCT
iaajah-7571	28	15	offers	offer	VERB
iaajah-7571	28	16	a	a	DET
iaajah-7571	28	17	compelling	compelling	ADJ
iaajah-7571	28	18	solution	solution	NOUN
iaajah-7571	28	19	.	.	PUNCT
iaajah-7571	29	1	ict	ict	PROPN
iaajah-7571	29	2	encompasses	encompass	VERB
iaajah-7571	29	3	a	a	DET
iaajah-7571	29	4	broad	broad	ADJ
iaajah-7571	29	5	range	range	NOUN
iaajah-7571	29	6	of	of	ADP
iaajah-7571	29	7	tools	tool	NOUN
iaajah-7571	29	8	and	and	CCONJ
iaajah-7571	29	9	platforms	platform	NOUN
iaajah-7571	29	10	that	that	PRON
iaajah-7571	29	11	enable	enable	VERB
iaajah-7571	29	12	the	the	DET
iaajah-7571	29	13	storage	storage	NOUN
iaajah-7571	29	14	,	,	PUNCT
iaajah-7571	29	15	processing	processing	NOUN
iaajah-7571	29	16	,	,	PUNCT
iaajah-7571	29	17	and	and	CCONJ
iaajah-7571	29	18	exchange	exchange	NOUN
iaajah-7571	29	19	of	of	ADP
iaajah-7571	29	20	information	information	NOUN
iaajah-7571	29	21	electronically	electronically	ADV
iaajah-7571	29	22	.	.	PUNCT
iaajah-7571	30	1	these	these	PRON
iaajah-7571	30	2	include	include	VERB
iaajah-7571	30	3	mobile	mobile	ADJ
iaajah-7571	30	4	phones	phone	NOUN
iaajah-7571	30	5	,	,	PUNCT
iaajah-7571	30	6	text	text	NOUN
iaajah-7571	30	7	messaging	messaging	NOUN
iaajah-7571	30	8	services	service	NOUN
iaajah-7571	30	9	,	,	PUNCT
iaajah-7571	30	10	email	email	NOUN
iaajah-7571	30	11	,	,	PUNCT
iaajah-7571	30	12	social	social	ADJ
iaajah-7571	30	13	media	medium	NOUN
iaajah-7571	30	14	platforms	platform	NOUN
iaajah-7571	30	15	(	(	PUNCT
iaajah-7571	30	16	such	such	ADJ
iaajah-7571	30	17	as	as	ADP
iaajah-7571	30	18	whatsapp	whatsapp	NOUN
iaajah-7571	30	19	and	and	CCONJ
iaajah-7571	30	20	facebook	facebook	NOUN
iaajah-7571	30	21	)	)	PUNCT
iaajah-7571	30	22	,	,	PUNCT
iaajah-7571	30	23	digital	digital	ADJ
iaajah-7571	30	24	financial	financial	ADJ
iaajah-7571	30	25	services	service	NOUN
iaajah-7571	30	26	(	(	PUNCT
iaajah-7571	30	27	like	like	ADP
iaajah-7571	30	28	mobile	mobile	ADJ
iaajah-7571	30	29	money	money	NOUN
iaajah-7571	30	30	)	)	PUNCT
iaajah-7571	30	31	,	,	PUNCT
iaajah-7571	30	32	and	and	CCONJ
iaajah-7571	30	33	more	more	ADV
iaajah-7571	30	34	recently	recently	ADV
iaajah-7571	30	35	,	,	PUNCT
iaajah-7571	30	36	dedicated	dedicated	ADJ
iaajah-7571	30	37	cooperative	cooperative	ADJ
iaajah-7571	30	38	management	management	NOUN
iaajah-7571	30	39	applications	application	NOUN
iaajah-7571	30	40	and	and	CCONJ
iaajah-7571	30	41	enterprise	enterprise	NOUN
iaajah-7571	30	42	resource	resource	NOUN
iaajah-7571	30	43	planning	planning	NOUN
iaajah-7571	30	44	(	(	PUNCT
iaajah-7571	30	45	erp	erp	NOUN
iaajah-7571	30	46	)	)	PUNCT
iaajah-7571	30	47	systems	system	NOUN
iaajah-7571	30	48	.	.	PUNCT
iaajah-7571	31	1	these	these	DET
iaajah-7571	31	2	tools	tool	NOUN
iaajah-7571	31	3	are	be	AUX
iaajah-7571	31	4	capable	capable	ADJ
iaajah-7571	31	5	of	of	ADP
iaajah-7571	31	6	transforming	transform	VERB
iaajah-7571	31	7	how	how	SCONJ
iaajah-7571	31	8	cooperative	cooperative	ADJ
iaajah-7571	31	9	societies	society	NOUN
iaajah-7571	31	10	communicate	communicate	VERB
iaajah-7571	31	11	internally	internally	ADV
iaajah-7571	31	12	,	,	PUNCT
iaajah-7571	31	13	making	make	VERB
iaajah-7571	31	14	it	it	PRON
iaajah-7571	31	15	possible	possible	ADJ
iaajah-7571	31	16	to	to	PART
iaajah-7571	31	17	reach	reach	VERB
iaajah-7571	31	18	members	member	NOUN
iaajah-7571	31	19	instantly	instantly	ADV
iaajah-7571	31	20	,	,	PUNCT
iaajah-7571	31	21	share	share	VERB
iaajah-7571	31	22	documents	document	NOUN
iaajah-7571	31	23	digitally	digitally	ADV
iaajah-7571	31	24	,	,	PUNCT
iaajah-7571	31	25	organize	organize	VERB
iaajah-7571	31	26	virtual	virtual	ADJ
iaajah-7571	31	27	meetings	meeting	NOUN
iaajah-7571	31	28	,	,	PUNCT
iaajah-7571	31	29	and	and	CCONJ
iaajah-7571	31	30	maintain	maintain	VERB
iaajah-7571	31	31	permanent	permanent	ADJ
iaajah-7571	31	32	records	record	NOUN
iaajah-7571	31	33	of	of	ADP
iaajah-7571	31	34	interactions	interaction	NOUN
iaajah-7571	31	35	and	and	CCONJ
iaajah-7571	31	36	decisions	decision	NOUN
iaajah-7571	31	37	.	.	PUNCT
iaajah-7571	32	1	globally	globally	ADV
iaajah-7571	32	2	,	,	PUNCT
iaajah-7571	32	3	the	the	DET
iaajah-7571	32	4	digital	digital	ADJ
iaajah-7571	32	5	transformation	transformation	NOUN
iaajah-7571	32	6	of	of	ADP
iaajah-7571	32	7	organizations	organization	NOUN
iaajah-7571	32	8	has	have	AUX
iaajah-7571	32	9	become	become	VERB
iaajah-7571	32	10	a	a	DET
iaajah-7571	32	11	defining	define	VERB
iaajah-7571	32	12	feature	feature	NOUN
iaajah-7571	32	13	of	of	ADP
iaajah-7571	32	14	modern	modern	ADJ
iaajah-7571	32	15	governance	governance	NOUN
iaajah-7571	32	16	and	and	CCONJ
iaajah-7571	32	17	development	development	NOUN
iaajah-7571	32	18	.	.	PUNCT
iaajah-7571	33	1	in	in	ADP
iaajah-7571	33	2	nigeria	nigeria	PROPN
iaajah-7571	33	3	,	,	PUNCT
iaajah-7571	33	4	too	too	ADV
iaajah-7571	33	5	,	,	PUNCT
iaajah-7571	33	6	digital	digital	ADJ
iaajah-7571	33	7	tools	tool	NOUN
iaajah-7571	33	8	are	be	AUX
iaajah-7571	33	9	becoming	becoming	AUX
iaajah-7571	33	10	increasingly	increasingly	ADV
iaajah-7571	33	11	embedded	embed	VERB
iaajah-7571	33	12	in	in	ADP
iaajah-7571	33	13	daily	daily	ADJ
iaajah-7571	33	14	life	life	NOUN
iaajah-7571	33	15	,	,	PUNCT
iaajah-7571	33	16	even	even	ADV
iaajah-7571	33	17	among	among	ADP
iaajah-7571	33	18	rural	rural	ADJ
iaajah-7571	33	19	populations	population	NOUN
iaajah-7571	33	20	,	,	PUNCT
iaajah-7571	33	21	thanks	thank	NOUN
iaajah-7571	33	22	to	to	ADP
iaajah-7571	33	23	the	the	DET
iaajah-7571	33	24	rising	rise	VERB
iaajah-7571	33	25	penetration	penetration	NOUN
iaajah-7571	33	26	of	of	ADP
iaajah-7571	33	27	mobile	mobile	ADJ
iaajah-7571	33	28	phones	phone	NOUN
iaajah-7571	33	29	and	and	CCONJ
iaajah-7571	33	30	internet	internet	NOUN
iaajah-7571	33	31	services	service	NOUN
iaajah-7571	33	32	.	.	PUNCT
iaajah-7571	34	1	cooperative	cooperative	ADJ
iaajah-7571	34	2	societies	society	NOUN
iaajah-7571	34	3	stand	stand	VERB
iaajah-7571	34	4	to	to	PART
iaajah-7571	34	5	benefit	benefit	VERB
iaajah-7571	34	6	immensely	immensely	ADV
iaajah-7571	34	7	from	from	ADP
iaajah-7571	34	8	these	these	DET
iaajah-7571	34	9	trends	trend	NOUN
iaajah-7571	34	10	if	if	SCONJ
iaajah-7571	34	11	they	they	PRON
iaajah-7571	34	12	can	can	AUX
iaajah-7571	34	13	harness	harness	NOUN
iaajah-7571	34	14	ict	ict	NOUN
iaajah-7571	34	15	appropriately	appropriately	ADV
iaajah-7571	34	16	.	.	PUNCT
iaajah-7571	35	1	for	for	ADP
iaajah-7571	35	2	example	example	NOUN
iaajah-7571	35	3	,	,	PUNCT
iaajah-7571	35	4	mobile	mobile	ADJ
iaajah-7571	35	5	group	group	NOUN
iaajah-7571	35	6	chats	chat	NOUN
iaajah-7571	35	7	can	can	AUX
iaajah-7571	35	8	be	be	AUX
iaajah-7571	35	9	used	use	VERB
iaajah-7571	35	10	to	to	PART
iaajah-7571	35	11	coordinate	coordinate	VERB
iaajah-7571	35	12	meetings	meeting	NOUN
iaajah-7571	35	13	and	and	CCONJ
iaajah-7571	35	14	share	share	NOUN
iaajah-7571	35	15	reports	report	NOUN
iaajah-7571	35	16	,	,	PUNCT
iaajah-7571	35	17	while	while	SCONJ
iaajah-7571	35	18	digital	digital	ADJ
iaajah-7571	35	19	surveys	survey	NOUN
iaajah-7571	35	20	can	can	AUX
iaajah-7571	35	21	be	be	AUX
iaajah-7571	35	22	deployed	deploy	VERB
iaajah-7571	35	23	to	to	PART
iaajah-7571	35	24	collect	collect	VERB
iaajah-7571	35	25	member	member	NOUN
iaajah-7571	35	26	feedback	feedback	NOUN
iaajah-7571	35	27	or	or	CCONJ
iaajah-7571	35	28	vote	vote	NOUN
iaajah-7571	35	29	on	on	ADP
iaajah-7571	35	30	important	important	ADJ
iaajah-7571	35	31	issues	issue	NOUN
iaajah-7571	35	32	.	.	PUNCT
iaajah-7571	36	1	email	email	NOUN
iaajah-7571	36	2	and	and	CCONJ
iaajah-7571	36	3	cloud	cloud	NOUN
iaajah-7571	36	4	-	-	PUNCT
iaajah-7571	36	5	based	base	VERB
iaajah-7571	36	6	platforms	platform	NOUN
iaajah-7571	36	7	can	can	AUX
iaajah-7571	36	8	improve	improve	VERB
iaajah-7571	36	9	recordkeeping	recordkeeping	NOUN
iaajah-7571	36	10	and	and	CCONJ
iaajah-7571	36	11	reduce	reduce	VERB
iaajah-7571	36	12	administrative	administrative	ADJ
iaajah-7571	36	13	burden	burden	NOUN
iaajah-7571	36	14	,	,	PUNCT
iaajah-7571	36	15	while	while	SCONJ
iaajah-7571	36	16	digital	digital	ADJ
iaajah-7571	36	17	wallets	wallet	NOUN
iaajah-7571	36	18	and	and	CCONJ
iaajah-7571	36	19	payment	payment	NOUN
iaajah-7571	36	20	apps	app	NOUN
iaajah-7571	36	21	can	can	AUX
iaajah-7571	36	22	streamline	streamline	VERB
iaajah-7571	36	23	financial	financial	ADJ
iaajah-7571	36	24	transactions	transaction	NOUN
iaajah-7571	36	25	and	and	CCONJ
iaajah-7571	36	26	reduce	reduce	VERB
iaajah-7571	36	27	errors	error	NOUN
iaajah-7571	36	28	in	in	ADP
iaajah-7571	36	29	manual	manual	ADJ
iaajah-7571	36	30	bookkeeping	bookkeeping	NOUN
iaajah-7571	36	31	.	.	PUNCT
iaajah-7571	37	1	nevertheless	nevertheless	ADV
iaajah-7571	37	2	,	,	PUNCT
iaajah-7571	37	3	the	the	DET
iaajah-7571	37	4	journey	journey	NOUN
iaajah-7571	37	5	toward	toward	ADP
iaajah-7571	37	6	digital	digital	ADJ
iaajah-7571	37	7	integration	integration	NOUN
iaajah-7571	37	8	is	be	AUX
iaajah-7571	37	9	not	not	PART
iaajah-7571	37	10	without	without	ADP
iaajah-7571	37	11	its	its	PRON
iaajah-7571	37	12	challenges	challenge	NOUN
iaajah-7571	37	13	.	.	PUNCT
iaajah-7571	38	1	issues	issue	NOUN
iaajah-7571	38	2	such	such	ADJ
iaajah-7571	38	3	as	as	ADP
iaajah-7571	38	4	limited	limit	VERB
iaajah-7571	38	5	ict	ict	NOUN
iaajah-7571	38	6	literacy	literacy	NOUN
iaajah-7571	38	7	,	,	PUNCT
iaajah-7571	38	8	poor	poor	ADJ
iaajah-7571	38	9	network	network	NOUN
iaajah-7571	38	10	infrastructure	infrastructure	NOUN
iaajah-7571	38	11	,	,	PUNCT
iaajah-7571	38	12	high	high	ADJ
iaajah-7571	38	13	data	data	NOUN
iaajah-7571	38	14	costs	cost	NOUN
iaajah-7571	38	15	,	,	PUNCT
iaajah-7571	38	16	and	and	CCONJ
iaajah-7571	38	17	resistance	resistance	NOUN
iaajah-7571	38	18	to	to	PART
iaajah-7571	38	19	change	change	VERB
iaajah-7571	38	20	remain	remain	VERB
iaajah-7571	38	21	significant	significant	ADJ
iaajah-7571	38	22	obstacles	obstacle	NOUN
iaajah-7571	38	23	—	—	PUNCT
iaajah-7571	38	24	particularly	particularly	ADV
iaajah-7571	38	25	in	in	ADP
iaajah-7571	38	26	rural	rural	ADJ
iaajah-7571	38	27	cooperatives	cooperative	NOUN
iaajah-7571	38	28	.	.	PUNCT
iaajah-7571	39	1	this	this	DET
iaajah-7571	39	2	chapter	chapter	NOUN
iaajah-7571	39	3	,	,	PUNCT
iaajah-7571	39	4	therefore	therefore	ADV
iaajah-7571	39	5	,	,	PUNCT
iaajah-7571	39	6	seeks	seek	VERB
iaajah-7571	39	7	to	to	PART
iaajah-7571	39	8	explore	explore	VERB
iaajah-7571	39	9	the	the	DET
iaajah-7571	39	10	current	current	ADJ
iaajah-7571	39	11	state	state	NOUN
iaajah-7571	39	12	of	of	ADP
iaajah-7571	39	13	ict	ict	PROPN
iaajah-7571	39	14	adoption	adoption	NOUN
iaajah-7571	39	15	for	for	ADP
iaajah-7571	39	16	internal	internal	ADJ
iaajah-7571	39	17	communication	communication	NOUN
iaajah-7571	39	18	in	in	ADP
iaajah-7571	39	19	nigerian	nigerian	ADJ
iaajah-7571	39	20	cooperative	cooperative	ADJ
iaajah-7571	39	21	societies	society	NOUN
iaajah-7571	39	22	.	.	PUNCT
iaajah-7571	40	1	it	it	PRON
iaajah-7571	40	2	will	will	AUX
iaajah-7571	40	3	examine	examine	VERB
iaajah-7571	40	4	the	the	DET
iaajah-7571	40	5	various	various	ADJ
iaajah-7571	40	6	tools	tool	NOUN
iaajah-7571	40	7	in	in	ADP
iaajah-7571	40	8	use	use	NOUN
iaajah-7571	40	9	,	,	PUNCT
iaajah-7571	40	10	the	the	DET
iaajah-7571	40	11	benefits	benefit	NOUN
iaajah-7571	40	12	and	and	CCONJ
iaajah-7571	40	13	challenges	challenge	NOUN
iaajah-7571	40	14	encountered	encounter	VERB
iaajah-7571	40	15	,	,	PUNCT
iaajah-7571	40	16	and	and	CCONJ
iaajah-7571	40	17	the	the	DET
iaajah-7571	40	18	strategies	strategy	NOUN
iaajah-7571	40	19	that	that	PRON
iaajah-7571	40	20	can	can	AUX
iaajah-7571	40	21	enhance	enhance	VERB
iaajah-7571	40	22	digital	digital	ADJ
iaajah-7571	40	23	inclusion	inclusion	NOUN
iaajah-7571	40	24	and	and	CCONJ
iaajah-7571	40	25	efficiency	efficiency	NOUN
iaajah-7571	40	26	.	.	PUNCT
iaajah-7571	41	1	ultimately	ultimately	ADV
iaajah-7571	41	2	,	,	PUNCT
iaajah-7571	41	3	it	it	PRON
iaajah-7571	41	4	aims	aim	VERB
iaajah-7571	41	5	to	to	PART
iaajah-7571	41	6	provide	provide	VERB
iaajah-7571	41	7	a	a	DET
iaajah-7571	41	8	roadmap	roadmap	NOUN
iaajah-7571	41	9	for	for	ADP
iaajah-7571	41	10	strengthening	strengthen	VERB
iaajah-7571	41	11	communication	communication	NOUN
iaajah-7571	41	12	and	and	CCONJ
iaajah-7571	41	13	fostering	foster	VERB
iaajah-7571	41	14	innovation	innovation	NOUN
iaajah-7571	41	15	in	in	ADP
iaajah-7571	41	16	the	the	DET
iaajah-7571	41	17	cooperative	cooperative	ADJ
iaajah-7571	41	18	movement	movement	NOUN
iaajah-7571	41	19	through	through	ADP
iaajah-7571	41	20	the	the	DET
iaajah-7571	41	21	strategic	strategic	ADJ
iaajah-7571	41	22	use	use	NOUN
iaajah-7571	41	23	of	of	ADP
iaajah-7571	41	24	ict	ict	PROPN
iaajah-7571	41	25	.	.	PUNCT
iaajah-7571	42	1	2	2	X
iaajah-7571	42	2	.	.	X
iaajah-7571	42	3	conceptual	conceptual	ADJ
iaajah-7571	42	4	clarification	clarification	NOUN
iaajah-7571	42	5	igwebuike	igwebuike	NOUN
iaajah-7571	42	6	:	:	PUNCT
iaajah-7571	42	7	an	an	DET
iaajah-7571	42	8	african	african	ADJ
iaajah-7571	42	9	journal	journal	NOUN
iaajah-7571	42	10	of	of	ADP
iaajah-7571	42	11	arts	art	NOUN
iaajah-7571	42	12	and	and	CCONJ
iaajah-7571	42	13	humanities	humanity	NOUN
iaajah-7571	42	14	vol	vol	NOUN
iaajah-7571	42	15	.	.	PUNCT
iaajah-7571	43	1	11	11	NUM
iaajah-7571	43	2	.	.	PUNCT
iaajah-7571	44	1	no	no	INTJ
iaajah-7571	44	2	.	.	NOUN
iaajah-7571	44	3	7	7	NUM
iaajah-7571	44	4	,	,	PUNCT
iaajah-7571	44	5	(	(	PUNCT
iaajah-7571	44	6	2025	2025	NUM
iaajah-7571	44	7	)	)	PUNCT
iaajah-7571	44	8	issn	issn	PROPN
iaajah-7571	44	9	:	:	PUNCT
iaajah-7571	44	10	24889210	24889210	NUM
iaajah-7571	44	11	(	(	PUNCT
iaajah-7571	44	12	print	print	NOUN
iaajah-7571	44	13	)	)	PUNCT
iaajah-7571	44	14	2504	2504	NUM
iaajah-7571	44	15	-	-	SYM
iaajah-7571	44	16	9038	9038	NUM
iaajah-7571	44	17	(	(	PUNCT
iaajah-7571	44	18	online	online	NOUN
iaajah-7571	44	19	)	)	PUNCT
iaajah-7571	44	20	dept	dept	NOUN
iaajah-7571	44	21	.	.	PROPN
iaajah-7571	45	1	of	of	ADP
iaajah-7571	45	2	philosophy	philosophy	NOUN
iaajah-7571	45	3	and	and	CCONJ
iaajah-7571	45	4	religious	religious	ADJ
iaajah-7571	45	5	studies	study	NOUN
iaajah-7571	45	6	,	,	PUNCT
iaajah-7571	45	7	tansian	tansian	PROPN
iaajah-7571	45	8	university	university	PROPN
iaajah-7571	45	9	umunya	umunya	PROPN
iaajah-7571	45	10	indexed	indexed	PROPN
iaajah-7571	45	11	:	:	PUNCT
iaajah-7571	45	12	academic	academic	ADJ
iaajah-7571	45	13	journals	journal	NOUN
iaajah-7571	45	14	online	online	ADV
iaajah-7571	45	15	,	,	PUNCT
iaajah-7571	45	16	google	google	PROPN
iaajah-7571	45	17	scholar	scholar	NOUN
iaajah-7571	45	18	,	,	PUNCT
iaajah-7571	45	19	igwebuike	igwebuike	PROPN
iaajah-7571	45	20	research	research	PROPN
iaajah-7571	45	21	institute	institute	PROPN
iaajah-7571	45	22	62	62	NUM
iaajah-7571	45	23	a	a	DET
iaajah-7571	45	24	clear	clear	ADJ
iaajah-7571	45	25	understanding	understanding	NOUN
iaajah-7571	45	26	of	of	ADP
iaajah-7571	45	27	the	the	DET
iaajah-7571	45	28	core	core	NOUN
iaajah-7571	45	29	concepts	concept	NOUN
iaajah-7571	45	30	in	in	ADP
iaajah-7571	45	31	this	this	DET
iaajah-7571	45	32	study	study	NOUN
iaajah-7571	45	33	information	information	NOUN
iaajah-7571	45	34	and	and	CCONJ
iaajah-7571	45	35	communication	communication	NOUN
iaajah-7571	45	36	technology	technology	NOUN
iaajah-7571	45	37	(	(	PUNCT
iaajah-7571	45	38	ict	ict	PROPN
iaajah-7571	45	39	)	)	PUNCT
iaajah-7571	45	40	,	,	PUNCT
iaajah-7571	45	41	internal	internal	ADJ
iaajah-7571	45	42	communication	communication	NOUN
iaajah-7571	45	43	,	,	PUNCT
iaajah-7571	45	44	and	and	CCONJ
iaajah-7571	45	45	cooperative	cooperative	ADJ
iaajah-7571	45	46	societies	society	NOUN
iaajah-7571	45	47	is	be	AUX
iaajah-7571	45	48	essential	essential	ADJ
iaajah-7571	45	49	to	to	PART
iaajah-7571	45	50	ground	ground	VERB
iaajah-7571	45	51	the	the	DET
iaajah-7571	45	52	discussion	discussion	NOUN
iaajah-7571	45	53	of	of	ADP
iaajah-7571	45	54	ict	ict	NOUN
iaajah-7571	45	55	adoption	adoption	NOUN
iaajah-7571	45	56	in	in	ADP
iaajah-7571	45	57	nigerian	nigerian	ADJ
iaajah-7571	45	58	cooperative	cooperative	ADJ
iaajah-7571	45	59	settings	setting	NOUN
iaajah-7571	45	60	.	.	PUNCT
iaajah-7571	46	1	these	these	DET
iaajah-7571	46	2	concepts	concept	NOUN
iaajah-7571	46	3	are	be	AUX
iaajah-7571	46	4	interrelated	interrelated	ADJ
iaajah-7571	46	5	and	and	CCONJ
iaajah-7571	46	6	central	central	ADJ
iaajah-7571	46	7	to	to	ADP
iaajah-7571	46	8	how	how	SCONJ
iaajah-7571	46	9	cooperative	cooperative	ADJ
iaajah-7571	46	10	societies	society	NOUN
iaajah-7571	46	11	function	function	VERB
iaajah-7571	46	12	,	,	PUNCT
iaajah-7571	46	13	adapt	adapt	VERB
iaajah-7571	46	14	,	,	PUNCT
iaajah-7571	46	15	and	and	CCONJ
iaajah-7571	46	16	thrive	thrive	VERB
iaajah-7571	46	17	in	in	ADP
iaajah-7571	46	18	the	the	DET
iaajah-7571	46	19	digital	digital	ADJ
iaajah-7571	46	20	age	age	NOUN
iaajah-7571	46	21	.	.	PUNCT
iaajah-7571	47	1	information	information	NOUN
iaajah-7571	47	2	and	and	CCONJ
iaajah-7571	47	3	communication	communication	NOUN
iaajah-7571	47	4	technology	technology	NOUN
iaajah-7571	47	5	(	(	PUNCT
iaajah-7571	47	6	ict	ict	PROPN
iaajah-7571	47	7	)	)	PUNCT
iaajah-7571	47	8	information	information	NOUN
iaajah-7571	47	9	and	and	CCONJ
iaajah-7571	47	10	communication	communication	NOUN
iaajah-7571	47	11	technology	technology	NOUN
iaajah-7571	47	12	(	(	PUNCT
iaajah-7571	47	13	ict	ict	PROPN
iaajah-7571	47	14	)	)	PUNCT
iaajah-7571	47	15	is	be	AUX
iaajah-7571	47	16	a	a	DET
iaajah-7571	47	17	broad	broad	ADJ
iaajah-7571	47	18	term	term	NOUN
iaajah-7571	47	19	that	that	PRON
iaajah-7571	47	20	encompasses	encompass	VERB
iaajah-7571	47	21	all	all	DET
iaajah-7571	47	22	technological	technological	ADJ
iaajah-7571	47	23	tools	tool	NOUN
iaajah-7571	47	24	and	and	CCONJ
iaajah-7571	47	25	applications	application	NOUN
iaajah-7571	47	26	used	use	VERB
iaajah-7571	47	27	to	to	PART
iaajah-7571	47	28	manage	manage	VERB
iaajah-7571	47	29	,	,	PUNCT
iaajah-7571	47	30	process	process	NOUN
iaajah-7571	47	31	,	,	PUNCT
iaajah-7571	47	32	store	store	NOUN
iaajah-7571	47	33	,	,	PUNCT
iaajah-7571	47	34	and	and	CCONJ
iaajah-7571	47	35	communicate	communicate	VERB
iaajah-7571	47	36	information	information	NOUN
iaajah-7571	47	37	electronically	electronically	ADV
iaajah-7571	47	38	.	.	PUNCT
iaajah-7571	48	1	these	these	PRON
iaajah-7571	48	2	include	include	VERB
iaajah-7571	48	3	traditional	traditional	ADJ
iaajah-7571	48	4	technologies	technology	NOUN
iaajah-7571	48	5	like	like	ADP
iaajah-7571	48	6	telephones	telephone	NOUN
iaajah-7571	48	7	and	and	CCONJ
iaajah-7571	48	8	radios	radio	NOUN
iaajah-7571	48	9	,	,	PUNCT
iaajah-7571	48	10	as	as	ADV
iaajah-7571	48	11	well	well	ADV
iaajah-7571	48	12	as	as	ADP
iaajah-7571	48	13	modern	modern	ADJ
iaajah-7571	48	14	digital	digital	ADJ
iaajah-7571	48	15	tools	tool	NOUN
iaajah-7571	48	16	such	such	ADJ
iaajah-7571	48	17	as	as	ADP
iaajah-7571	48	18	mobile	mobile	ADJ
iaajah-7571	48	19	phones	phone	NOUN
iaajah-7571	48	20	,	,	PUNCT
iaajah-7571	48	21	email	email	NOUN
iaajah-7571	48	22	,	,	PUNCT
iaajah-7571	48	23	the	the	DET
iaajah-7571	48	24	internet	internet	NOUN
iaajah-7571	48	25	,	,	PUNCT
iaajah-7571	48	26	social	social	ADJ
iaajah-7571	48	27	media	medium	NOUN
iaajah-7571	48	28	,	,	PUNCT
iaajah-7571	48	29	cloud	cloud	NOUN
iaajah-7571	48	30	computing	computing	NOUN
iaajah-7571	48	31	,	,	PUNCT
iaajah-7571	48	32	and	and	CCONJ
iaajah-7571	48	33	enterprise	enterprise	NOUN
iaajah-7571	48	34	resource	resource	NOUN
iaajah-7571	48	35	planning	planning	NOUN
iaajah-7571	48	36	(	(	PUNCT
iaajah-7571	48	37	erp	erp	NOUN
iaajah-7571	48	38	)	)	PUNCT
iaajah-7571	48	39	systems	system	NOUN
iaajah-7571	48	40	(	(	PUNCT
iaajah-7571	48	41	unesco	unesco	PROPN
iaajah-7571	48	42	,	,	PUNCT
iaajah-7571	48	43	2019	2019	NUM
iaajah-7571	48	44	)	)	PUNCT
iaajah-7571	48	45	.	.	PUNCT
iaajah-7571	49	1	ict	ict	PROPN
iaajah-7571	49	2	is	be	AUX
iaajah-7571	49	3	not	not	PART
iaajah-7571	49	4	merely	merely	ADV
iaajah-7571	49	5	a	a	DET
iaajah-7571	49	6	tool	tool	NOUN
iaajah-7571	49	7	of	of	ADP
iaajah-7571	49	8	convenience	convenience	NOUN
iaajah-7571	49	9	but	but	CCONJ
iaajah-7571	49	10	has	have	AUX
iaajah-7571	49	11	evolved	evolve	VERB
iaajah-7571	49	12	into	into	ADP
iaajah-7571	49	13	a	a	DET
iaajah-7571	49	14	strategic	strategic	ADJ
iaajah-7571	49	15	asset	asset	NOUN
iaajah-7571	49	16	that	that	PRON
iaajah-7571	49	17	supports	support	VERB
iaajah-7571	49	18	efficiency	efficiency	NOUN
iaajah-7571	49	19	,	,	PUNCT
iaajah-7571	49	20	transparency	transparency	NOUN
iaajah-7571	49	21	,	,	PUNCT
iaajah-7571	49	22	and	and	CCONJ
iaajah-7571	49	23	scalability	scalability	NOUN
iaajah-7571	49	24	in	in	ADP
iaajah-7571	49	25	both	both	CCONJ
iaajah-7571	49	26	public	public	ADJ
iaajah-7571	49	27	and	and	CCONJ
iaajah-7571	49	28	private	private	ADJ
iaajah-7571	49	29	sectors	sector	NOUN
iaajah-7571	49	30	.	.	PUNCT
iaajah-7571	50	1	in	in	ADP
iaajah-7571	50	2	the	the	DET
iaajah-7571	50	3	context	context	NOUN
iaajah-7571	50	4	of	of	ADP
iaajah-7571	50	5	cooperative	cooperative	ADJ
iaajah-7571	50	6	societies	society	NOUN
iaajah-7571	50	7	,	,	PUNCT
iaajah-7571	50	8	ict	ict	NOUN
iaajah-7571	50	9	tools	tool	NOUN
iaajah-7571	50	10	range	range	VERB
iaajah-7571	50	11	from	from	ADP
iaajah-7571	50	12	basic	basic	ADJ
iaajah-7571	50	13	mobile	mobile	ADJ
iaajah-7571	50	14	phone	phone	NOUN
iaajah-7571	50	15	calls	call	NOUN
iaajah-7571	50	16	and	and	CCONJ
iaajah-7571	50	17	sms	sms	PROPN
iaajah-7571	50	18	services	service	NOUN
iaajah-7571	50	19	to	to	ADP
iaajah-7571	50	20	more	more	ADV
iaajah-7571	50	21	advanced	advanced	ADJ
iaajah-7571	50	22	tools	tool	NOUN
iaajah-7571	50	23	like	like	ADP
iaajah-7571	50	24	whatsapp	whatsapp	NOUN
iaajah-7571	50	25	group	group	NOUN
iaajah-7571	50	26	chats	chat	NOUN
iaajah-7571	50	27	,	,	PUNCT
iaajah-7571	50	28	email	email	NOUN
iaajah-7571	50	29	newsletters	newsletter	NOUN
iaajah-7571	50	30	,	,	PUNCT
iaajah-7571	50	31	and	and	CCONJ
iaajah-7571	50	32	digital	digital	ADJ
iaajah-7571	50	33	financial	financial	ADJ
iaajah-7571	50	34	applications	application	NOUN
iaajah-7571	50	35	.	.	PUNCT
iaajah-7571	51	1	some	some	DET
iaajah-7571	51	2	cooperatives	cooperative	NOUN
iaajah-7571	51	3	especially	especially	ADV
iaajah-7571	51	4	urban	urban	ADJ
iaajah-7571	51	5	or	or	CCONJ
iaajah-7571	51	6	professionally	professionally	ADV
iaajah-7571	51	7	managed	manage	VERB
iaajah-7571	51	8	ones	one	NOUN
iaajah-7571	51	9	have	have	AUX
iaajah-7571	51	10	begun	begin	VERB
iaajah-7571	51	11	using	use	VERB
iaajah-7571	51	12	software	software	NOUN
iaajah-7571	51	13	solutions	solution	NOUN
iaajah-7571	51	14	specifically	specifically	ADV
iaajah-7571	51	15	developed	develop	VERB
iaajah-7571	51	16	to	to	PART
iaajah-7571	51	17	support	support	VERB
iaajah-7571	51	18	cooperative	cooperative	ADJ
iaajah-7571	51	19	operations	operation	NOUN
iaajah-7571	51	20	,	,	PUNCT
iaajah-7571	51	21	such	such	ADJ
iaajah-7571	51	22	as	as	ADP
iaajah-7571	51	23	membership	membership	NOUN
iaajah-7571	51	24	databases	database	NOUN
iaajah-7571	51	25	,	,	PUNCT
iaajah-7571	51	26	accounting	accounting	NOUN
iaajah-7571	51	27	platforms	platform	NOUN
iaajah-7571	51	28	,	,	PUNCT
iaajah-7571	51	29	voting	voting	NOUN
iaajah-7571	51	30	systems	system	NOUN
iaajah-7571	51	31	,	,	PUNCT
iaajah-7571	51	32	and	and	CCONJ
iaajah-7571	51	33	digital	digital	ADJ
iaajah-7571	51	34	loan	loan	NOUN
iaajah-7571	51	35	tracking	tracking	NOUN
iaajah-7571	51	36	tools	tool	NOUN
iaajah-7571	51	37	.	.	PUNCT
iaajah-7571	52	1	the	the	DET
iaajah-7571	52	2	integration	integration	NOUN
iaajah-7571	52	3	of	of	ADP
iaajah-7571	52	4	ict	ict	NOUN
iaajah-7571	52	5	into	into	ADP
iaajah-7571	52	6	organizational	organizational	ADJ
iaajah-7571	52	7	communication	communication	NOUN
iaajah-7571	52	8	has	have	AUX
iaajah-7571	52	9	been	be	AUX
iaajah-7571	52	10	associated	associate	VERB
iaajah-7571	52	11	with	with	ADP
iaajah-7571	52	12	improved	improved	ADJ
iaajah-7571	52	13	decision	decision	NOUN
iaajah-7571	52	14	-	-	PUNCT
iaajah-7571	52	15	making	making	NOUN
iaajah-7571	52	16	,	,	PUNCT
iaajah-7571	52	17	real	real	ADJ
iaajah-7571	52	18	-	-	PUNCT
iaajah-7571	52	19	time	time	NOUN
iaajah-7571	52	20	collaboration	collaboration	NOUN
iaajah-7571	52	21	,	,	PUNCT
iaajah-7571	52	22	and	and	CCONJ
iaajah-7571	52	23	enhanced	enhance	VERB
iaajah-7571	52	24	access	access	NOUN
iaajah-7571	52	25	to	to	ADP
iaajah-7571	52	26	information	information	NOUN
iaajah-7571	52	27	(	(	PUNCT
iaajah-7571	52	28	laudon	laudon	PROPN
iaajah-7571	52	29	&	&	CCONJ
iaajah-7571	52	30	laudon	laudon	PROPN
iaajah-7571	52	31	,	,	PUNCT
iaajah-7571	52	32	2020	2020	NUM
iaajah-7571	52	33	)	)	PUNCT
iaajah-7571	52	34	.	.	PUNCT
iaajah-7571	53	1	for	for	ADP
iaajah-7571	53	2	cooperatives	cooperative	NOUN
iaajah-7571	53	3	in	in	ADP
iaajah-7571	53	4	nigeria	nigeria	PROPN
iaajah-7571	53	5	,	,	PUNCT
iaajah-7571	53	6	where	where	SCONJ
iaajah-7571	53	7	members	member	NOUN
iaajah-7571	53	8	often	often	ADV
iaajah-7571	53	9	live	live	VERB
iaajah-7571	53	10	in	in	ADP
iaajah-7571	53	11	dispersed	disperse	VERB
iaajah-7571	53	12	or	or	CCONJ
iaajah-7571	53	13	rural	rural	ADJ
iaajah-7571	53	14	areas	area	NOUN
iaajah-7571	53	15	,	,	PUNCT
iaajah-7571	53	16	ict	ict	NOUN
iaajah-7571	53	17	tools	tool	NOUN
iaajah-7571	53	18	bridge	bridge	VERB
iaajah-7571	53	19	geographic	geographic	ADJ
iaajah-7571	53	20	gaps	gap	NOUN
iaajah-7571	53	21	and	and	CCONJ
iaajah-7571	53	22	provide	provide	VERB
iaajah-7571	53	23	continuous	continuous	ADJ
iaajah-7571	53	24	access	access	NOUN
iaajah-7571	53	25	to	to	ADP
iaajah-7571	53	26	important	important	ADJ
iaajah-7571	53	27	updates	update	NOUN
iaajah-7571	53	28	and	and	CCONJ
iaajah-7571	53	29	services	service	NOUN
iaajah-7571	53	30	.	.	PUNCT
iaajah-7571	54	1	however	however	ADV
iaajah-7571	54	2	,	,	PUNCT
iaajah-7571	54	3	the	the	DET
iaajah-7571	54	4	effectiveness	effectiveness	NOUN
iaajah-7571	54	5	of	of	ADP
iaajah-7571	54	6	ict	ict	NOUN
iaajah-7571	54	7	tools	tool	NOUN
iaajah-7571	54	8	depends	depend	VERB
iaajah-7571	54	9	largely	largely	ADV
iaajah-7571	54	10	on	on	ADP
iaajah-7571	54	11	factors	factor	NOUN
iaajah-7571	54	12	such	such	ADJ
iaajah-7571	54	13	as	as	ADP
iaajah-7571	54	14	availability	availability	NOUN
iaajah-7571	54	15	,	,	PUNCT
iaajah-7571	54	16	digital	digital	ADJ
iaajah-7571	54	17	literacy	literacy	NOUN
iaajah-7571	54	18	,	,	PUNCT
iaajah-7571	54	19	affordability	affordability	NOUN
iaajah-7571	54	20	,	,	PUNCT
iaajah-7571	54	21	and	and	CCONJ
iaajah-7571	54	22	institutional	institutional	ADJ
iaajah-7571	54	23	support	support	NOUN
iaajah-7571	54	24	.	.	PUNCT
iaajah-7571	55	1	internal	internal	ADJ
iaajah-7571	55	2	communication	communication	NOUN
iaajah-7571	55	3	internal	internal	ADJ
iaajah-7571	55	4	communication	communication	NOUN
iaajah-7571	55	5	refers	refer	VERB
iaajah-7571	55	6	to	to	ADP
iaajah-7571	55	7	the	the	DET
iaajah-7571	55	8	process	process	NOUN
iaajah-7571	55	9	of	of	ADP
iaajah-7571	55	10	exchanging	exchange	VERB
iaajah-7571	55	11	information	information	NOUN
iaajah-7571	55	12	,	,	PUNCT
iaajah-7571	55	13	instructions	instruction	NOUN
iaajah-7571	55	14	,	,	PUNCT
iaajah-7571	55	15	ideas	idea	NOUN
iaajah-7571	55	16	,	,	PUNCT
iaajah-7571	55	17	and	and	CCONJ
iaajah-7571	55	18	feedback	feedback	VERB
iaajah-7571	55	19	among	among	ADP
iaajah-7571	55	20	individuals	individual	NOUN
iaajah-7571	55	21	and	and	CCONJ
iaajah-7571	55	22	groups	group	NOUN
iaajah-7571	55	23	within	within	ADP
iaajah-7571	55	24	an	an	DET
iaajah-7571	55	25	organization	organization	NOUN
iaajah-7571	55	26	.	.	PUNCT
iaajah-7571	56	1	it	it	PRON
iaajah-7571	56	2	includes	include	VERB
iaajah-7571	56	3	both	both	DET
iaajah-7571	56	4	formal	formal	ADJ
iaajah-7571	56	5	communication	communication	NOUN
iaajah-7571	56	6	(	(	PUNCT
iaajah-7571	56	7	e.g.	e.g.	ADV
iaajah-7571	56	8	,	,	PUNCT
iaajah-7571	56	9	memos	memo	NOUN
iaajah-7571	56	10	,	,	PUNCT
iaajah-7571	56	11	reports	report	NOUN
iaajah-7571	56	12	,	,	PUNCT
iaajah-7571	56	13	emails	email	NOUN
iaajah-7571	56	14	,	,	PUNCT
iaajah-7571	56	15	and	and	CCONJ
iaajah-7571	56	16	official	official	ADJ
iaajah-7571	56	17	meetings	meeting	NOUN
iaajah-7571	56	18	)	)	PUNCT
iaajah-7571	56	19	and	and	CCONJ
iaajah-7571	56	20	informal	informal	ADJ
iaajah-7571	56	21	communication	communication	NOUN
iaajah-7571	56	22	(	(	PUNCT
iaajah-7571	56	23	e.g.	e.g.	ADV
iaajah-7571	56	24	,	,	PUNCT
iaajah-7571	56	25	chats	chat	NOUN
iaajah-7571	56	26	,	,	PUNCT
iaajah-7571	56	27	verbal	verbal	ADJ
iaajah-7571	56	28	updates	update	NOUN
iaajah-7571	56	29	,	,	PUNCT
iaajah-7571	56	30	and	and	CCONJ
iaajah-7571	56	31	social	social	ADJ
iaajah-7571	56	32	interactions	interaction	NOUN
iaajah-7571	56	33	)	)	PUNCT
iaajah-7571	56	34	(	(	PUNCT
iaajah-7571	56	35	cornelissen	cornelissen	NOUN
iaajah-7571	56	36	,	,	PUNCT
iaajah-7571	56	37	2020	2020	NUM
iaajah-7571	56	38	)	)	PUNCT
iaajah-7571	56	39	.	.	PUNCT
iaajah-7571	57	1	internal	internal	ADJ
iaajah-7571	57	2	communication	communication	NOUN
iaajah-7571	57	3	ensures	ensure	VERB
iaajah-7571	57	4	that	that	SCONJ
iaajah-7571	57	5	members	member	NOUN
iaajah-7571	57	6	are	be	AUX
iaajah-7571	57	7	aware	aware	ADJ
iaajah-7571	57	8	of	of	ADP
iaajah-7571	57	9	the	the	DET
iaajah-7571	57	10	organization	organization	NOUN
iaajah-7571	57	11	’s	’s	PART
iaajah-7571	57	12	goals	goal	NOUN
iaajah-7571	57	13	,	,	PUNCT
iaajah-7571	57	14	activities	activity	NOUN
iaajah-7571	57	15	,	,	PUNCT
iaajah-7571	57	16	decisions	decision	NOUN
iaajah-7571	57	17	,	,	PUNCT
iaajah-7571	57	18	and	and	CCONJ
iaajah-7571	57	19	expectations	expectation	NOUN
iaajah-7571	57	20	.	.	PUNCT
iaajah-7571	58	1	it	it	PRON
iaajah-7571	58	2	also	also	ADV
iaajah-7571	58	3	plays	play	VERB
iaajah-7571	58	4	a	a	DET
iaajah-7571	58	5	key	key	ADJ
iaajah-7571	58	6	role	role	NOUN
iaajah-7571	58	7	in	in	ADP
iaajah-7571	58	8	motivating	motivate	VERB
iaajah-7571	58	9	members	member	NOUN
iaajah-7571	58	10	,	,	PUNCT
iaajah-7571	58	11	building	build	VERB
iaajah-7571	58	12	a	a	DET
iaajah-7571	58	13	sense	sense	NOUN
iaajah-7571	58	14	of	of	ADP
iaajah-7571	58	15	belonging	belong	VERB
iaajah-7571	58	16	,	,	PUNCT
iaajah-7571	58	17	resolving	resolve	VERB
iaajah-7571	58	18	conflicts	conflict	NOUN
iaajah-7571	58	19	,	,	PUNCT
iaajah-7571	58	20	and	and	CCONJ
iaajah-7571	58	21	promoting	promote	VERB
iaajah-7571	58	22	transparency	transparency	NOUN
iaajah-7571	58	23	.	.	PUNCT
iaajah-7571	59	1	in	in	ADP
iaajah-7571	59	2	cooperative	cooperative	ADJ
iaajah-7571	59	3	societies	society	NOUN
iaajah-7571	59	4	,	,	PUNCT
iaajah-7571	59	5	effective	effective	ADJ
iaajah-7571	59	6	internal	internal	ADJ
iaajah-7571	59	7	communication	communication	NOUN
iaajah-7571	59	8	is	be	AUX
iaajah-7571	59	9	essential	essential	ADJ
iaajah-7571	59	10	due	due	ADP
iaajah-7571	59	11	to	to	ADP
iaajah-7571	59	12	their	their	PRON
iaajah-7571	59	13	democratic	democratic	ADJ
iaajah-7571	59	14	structure	structure	NOUN
iaajah-7571	59	15	and	and	CCONJ
iaajah-7571	59	16	participatory	participatory	ADJ
iaajah-7571	59	17	decision	decision	NOUN
iaajah-7571	59	18	-	-	PUNCT
iaajah-7571	59	19	making	make	VERB
iaajah-7571	59	20	processes	process	NOUN
iaajah-7571	59	21	.	.	PUNCT
iaajah-7571	60	1	unlike	unlike	ADP
iaajah-7571	60	2	traditional	traditional	ADJ
iaajah-7571	60	3	hierarchical	hierarchical	ADJ
iaajah-7571	60	4	organizations	organization	NOUN
iaajah-7571	60	5	,	,	PUNCT
iaajah-7571	60	6	cooperatives	cooperative	NOUN
iaajah-7571	60	7	rely	rely	VERB
iaajah-7571	60	8	on	on	ADP
iaajah-7571	60	9	the	the	DET
iaajah-7571	60	10	active	active	ADJ
iaajah-7571	60	11	engagement	engagement	NOUN
iaajah-7571	60	12	and	and	CCONJ
iaajah-7571	60	13	contributions	contribution	NOUN
iaajah-7571	60	14	of	of	ADP
iaajah-7571	60	15	their	their	PRON
iaajah-7571	60	16	members	member	NOUN
iaajah-7571	60	17	to	to	PART
iaajah-7571	60	18	function	function	VERB
iaajah-7571	60	19	optimally	optimally	ADV
iaajah-7571	60	20	.	.	PUNCT
iaajah-7571	61	1	members	member	NOUN
iaajah-7571	61	2	need	need	VERB
iaajah-7571	61	3	timely	timely	ADJ
iaajah-7571	61	4	access	access	NOUN
iaajah-7571	61	5	to	to	ADP
iaajah-7571	61	6	information	information	NOUN
iaajah-7571	61	7	on	on	ADP
iaajah-7571	61	8	savings	saving	NOUN
iaajah-7571	61	9	,	,	PUNCT
iaajah-7571	61	10	loan	loan	NOUN
iaajah-7571	61	11	policies	policy	NOUN
iaajah-7571	61	12	,	,	PUNCT
iaajah-7571	61	13	dividend	dividend	NOUN
iaajah-7571	61	14	distribution	distribution	NOUN
iaajah-7571	61	15	,	,	PUNCT
iaajah-7571	61	16	elections	election	NOUN
iaajah-7571	61	17	,	,	PUNCT
iaajah-7571	61	18	and	and	CCONJ
iaajah-7571	61	19	emergency	emergency	NOUN
iaajah-7571	61	20	decisions	decision	NOUN
iaajah-7571	61	21	.	.	PUNCT
iaajah-7571	62	1	internal	internal	ADJ
iaajah-7571	62	2	communication	communication	NOUN
iaajah-7571	62	3	,	,	PUNCT
iaajah-7571	62	4	therefore	therefore	ADV
iaajah-7571	62	5	,	,	PUNCT
iaajah-7571	62	6	is	be	AUX
iaajah-7571	62	7	not	not	PART
iaajah-7571	62	8	just	just	ADV
iaajah-7571	62	9	operational	operational	ADJ
iaajah-7571	62	10	it	it	PRON
iaajah-7571	62	11	is	be	AUX
iaajah-7571	62	12	a	a	DET
iaajah-7571	62	13	pillar	pillar	NOUN
iaajah-7571	62	14	of	of	ADP
iaajah-7571	62	15	cooperative	cooperative	ADJ
iaajah-7571	62	16	governance	governance	NOUN
iaajah-7571	62	17	.	.	PUNCT
iaajah-7571	63	1	when	when	SCONJ
iaajah-7571	63	2	internal	internal	ADJ
iaajah-7571	63	3	communication	communication	NOUN
iaajah-7571	63	4	breaks	break	VERB
iaajah-7571	63	5	down	down	ADP
iaajah-7571	63	6	,	,	PUNCT
iaajah-7571	63	7	cooperatives	cooperative	NOUN
iaajah-7571	63	8	risk	risk	VERB
iaajah-7571	63	9	facing	face	VERB
iaajah-7571	63	10	misunderstandings	misunderstanding	NOUN
iaajah-7571	63	11	,	,	PUNCT
iaajah-7571	63	12	delayed	delay	VERB
iaajah-7571	63	13	decision	decision	NOUN
iaajah-7571	63	14	-	-	PUNCT
iaajah-7571	63	15	making	making	NOUN
iaajah-7571	63	16	,	,	PUNCT
iaajah-7571	63	17	financial	financial	ADJ
iaajah-7571	63	18	mismanagement	mismanagement	NOUN
iaajah-7571	63	19	,	,	PUNCT
iaajah-7571	63	20	igwebuike	igwebuike	NOUN
iaajah-7571	63	21	:	:	PUNCT
iaajah-7571	63	22	an	an	DET
iaajah-7571	63	23	african	african	ADJ
iaajah-7571	63	24	journal	journal	NOUN
iaajah-7571	63	25	of	of	ADP
iaajah-7571	63	26	arts	art	NOUN
iaajah-7571	63	27	and	and	CCONJ
iaajah-7571	63	28	humanities	humanity	NOUN
iaajah-7571	63	29	vol	vol	NOUN
iaajah-7571	63	30	.	.	PUNCT
iaajah-7571	64	1	11	11	NUM
iaajah-7571	64	2	.	.	PUNCT
iaajah-7571	65	1	no	no	INTJ
iaajah-7571	65	2	.	.	NOUN
iaajah-7571	65	3	7	7	NUM
iaajah-7571	65	4	,	,	PUNCT
iaajah-7571	65	5	(	(	PUNCT
iaajah-7571	65	6	2025	2025	NUM
iaajah-7571	65	7	)	)	PUNCT
iaajah-7571	65	8	issn	issn	PROPN
iaajah-7571	65	9	:	:	PUNCT
iaajah-7571	65	10	24889210	24889210	NUM
iaajah-7571	65	11	(	(	PUNCT
iaajah-7571	65	12	print	print	NOUN
iaajah-7571	65	13	)	)	PUNCT
iaajah-7571	65	14	2504	2504	NUM
iaajah-7571	65	15	-	-	SYM
iaajah-7571	65	16	9038	9038	NUM
iaajah-7571	65	17	(	(	PUNCT
iaajah-7571	65	18	online	online	NOUN
iaajah-7571	65	19	)	)	PUNCT
iaajah-7571	65	20	dept	dept	NOUN
iaajah-7571	65	21	.	.	PROPN
iaajah-7571	66	1	of	of	ADP
iaajah-7571	66	2	philosophy	philosophy	NOUN
iaajah-7571	66	3	and	and	CCONJ
iaajah-7571	66	4	religious	religious	ADJ
iaajah-7571	66	5	studies	study	NOUN
iaajah-7571	66	6	,	,	PUNCT
iaajah-7571	66	7	tansian	tansian	PROPN
iaajah-7571	66	8	university	university	PROPN
iaajah-7571	66	9	umunya	umunya	PROPN
iaajah-7571	66	10	indexed	indexed	PROPN
iaajah-7571	66	11	:	:	PUNCT
iaajah-7571	66	12	academic	academic	ADJ
iaajah-7571	66	13	journals	journal	NOUN
iaajah-7571	66	14	online	online	ADV
iaajah-7571	66	15	,	,	PUNCT
iaajah-7571	66	16	google	google	PROPN
iaajah-7571	66	17	scholar	scholar	NOUN
iaajah-7571	66	18	,	,	PUNCT
iaajah-7571	66	19	igwebuike	igwebuike	PROPN
iaajah-7571	66	20	research	research	PROPN
iaajah-7571	66	21	institute	institute	NOUN
iaajah-7571	66	22	63	63	NUM
iaajah-7571	66	23	and	and	CCONJ
iaajah-7571	66	24	even	even	ADV
iaajah-7571	66	25	member	member	NOUN
iaajah-7571	66	26	apathy	apathy	NOUN
iaajah-7571	66	27	or	or	CCONJ
iaajah-7571	66	28	withdrawal	withdrawal	NOUN
iaajah-7571	66	29	.	.	PUNCT
iaajah-7571	67	1	this	this	PRON
iaajah-7571	67	2	is	be	AUX
iaajah-7571	67	3	why	why	SCONJ
iaajah-7571	67	4	the	the	DET
iaajah-7571	67	5	introduction	introduction	NOUN
iaajah-7571	67	6	of	of	ADP
iaajah-7571	67	7	ict	ict	NOUN
iaajah-7571	67	8	tools	tool	NOUN
iaajah-7571	67	9	such	such	ADJ
iaajah-7571	67	10	as	as	ADP
iaajah-7571	67	11	group	group	NOUN
iaajah-7571	67	12	messaging	messaging	NOUN
iaajah-7571	67	13	apps	app	NOUN
iaajah-7571	67	14	,	,	PUNCT
iaajah-7571	67	15	sms	sms	NOUN
iaajah-7571	67	16	broadcasts	broadcast	NOUN
iaajah-7571	67	17	,	,	PUNCT
iaajah-7571	67	18	email	email	NOUN
iaajah-7571	67	19	bulletins	bulletin	NOUN
iaajah-7571	67	20	,	,	PUNCT
iaajah-7571	67	21	and	and	CCONJ
iaajah-7571	67	22	virtual	virtual	ADJ
iaajah-7571	67	23	meeting	meeting	NOUN
iaajah-7571	67	24	platforms	platform	NOUN
iaajah-7571	67	25	can	can	AUX
iaajah-7571	67	26	make	make	VERB
iaajah-7571	67	27	a	a	DET
iaajah-7571	67	28	meaningful	meaningful	ADJ
iaajah-7571	67	29	difference	difference	NOUN
iaajah-7571	67	30	.	.	PUNCT
iaajah-7571	68	1	these	these	DET
iaajah-7571	68	2	tools	tool	NOUN
iaajah-7571	68	3	help	help	VERB
iaajah-7571	68	4	reduce	reduce	VERB
iaajah-7571	68	5	delays	delay	NOUN
iaajah-7571	68	6	,	,	PUNCT
iaajah-7571	68	7	minimize	minimize	VERB
iaajah-7571	68	8	communication	communication	NOUN
iaajah-7571	68	9	costs	cost	NOUN
iaajah-7571	68	10	,	,	PUNCT
iaajah-7571	68	11	and	and	CCONJ
iaajah-7571	68	12	expand	expand	VERB
iaajah-7571	68	13	the	the	DET
iaajah-7571	68	14	scope	scope	NOUN
iaajah-7571	68	15	of	of	ADP
iaajah-7571	68	16	member	member	NOUN
iaajah-7571	68	17	participation	participation	NOUN
iaajah-7571	68	18	,	,	PUNCT
iaajah-7571	68	19	especially	especially	ADV
iaajah-7571	68	20	during	during	ADP
iaajah-7571	68	21	emergencies	emergency	NOUN
iaajah-7571	68	22	or	or	CCONJ
iaajah-7571	68	23	times	time	NOUN
iaajah-7571	68	24	when	when	SCONJ
iaajah-7571	68	25	physical	physical	ADJ
iaajah-7571	68	26	gatherings	gathering	NOUN
iaajah-7571	68	27	are	be	AUX
iaajah-7571	68	28	impractical	impractical	ADJ
iaajah-7571	68	29	.	.	PUNCT
iaajah-7571	69	1	however	however	ADV
iaajah-7571	69	2	,	,	PUNCT
iaajah-7571	69	3	internal	internal	ADJ
iaajah-7571	69	4	communication	communication	NOUN
iaajah-7571	69	5	is	be	AUX
iaajah-7571	69	6	not	not	PART
iaajah-7571	69	7	just	just	ADV
iaajah-7571	69	8	about	about	ADP
iaajah-7571	69	9	transmitting	transmit	VERB
iaajah-7571	69	10	messages	message	NOUN
iaajah-7571	69	11	;	;	PUNCT
iaajah-7571	69	12	it	it	PRON
iaajah-7571	69	13	is	be	AUX
iaajah-7571	69	14	also	also	ADV
iaajah-7571	69	15	about	about	ADP
iaajah-7571	69	16	building	build	VERB
iaajah-7571	69	17	trust	trust	NOUN
iaajah-7571	69	18	,	,	PUNCT
iaajah-7571	69	19	clarity	clarity	NOUN
iaajah-7571	69	20	,	,	PUNCT
iaajah-7571	69	21	and	and	CCONJ
iaajah-7571	69	22	shared	share	VERB
iaajah-7571	69	23	understanding	understanding	NOUN
iaajah-7571	69	24	among	among	ADP
iaajah-7571	69	25	cooperative	cooperative	ADJ
iaajah-7571	69	26	members	member	NOUN
iaajah-7571	69	27	.	.	PUNCT
iaajah-7571	70	1	therefore	therefore	ADV
iaajah-7571	70	2	,	,	PUNCT
iaajah-7571	70	3	the	the	DET
iaajah-7571	70	4	success	success	NOUN
iaajah-7571	70	5	of	of	ADP
iaajah-7571	70	6	ict	ict	PROPN
iaajah-7571	70	7	-	-	PUNCT
iaajah-7571	70	8	enabled	enable	VERB
iaajah-7571	70	9	internal	internal	ADJ
iaajah-7571	70	10	communication	communication	NOUN
iaajah-7571	70	11	depends	depend	VERB
iaajah-7571	70	12	not	not	PART
iaajah-7571	70	13	only	only	ADV
iaajah-7571	70	14	on	on	ADP
iaajah-7571	70	15	the	the	DET
iaajah-7571	70	16	availability	availability	NOUN
iaajah-7571	70	17	of	of	ADP
iaajah-7571	70	18	technology	technology	NOUN
iaajah-7571	70	19	but	but	CCONJ
iaajah-7571	70	20	also	also	ADV
iaajah-7571	70	21	on	on	ADP
iaajah-7571	70	22	how	how	SCONJ
iaajah-7571	70	23	well	well	ADV
iaajah-7571	70	24	it	it	PRON
iaajah-7571	70	25	is	be	AUX
iaajah-7571	70	26	used	use	VERB
iaajah-7571	70	27	to	to	PART
iaajah-7571	70	28	facilitate	facilitate	VERB
iaajah-7571	70	29	meaningful	meaningful	ADJ
iaajah-7571	70	30	,	,	PUNCT
iaajah-7571	70	31	inclusive	inclusive	ADJ
iaajah-7571	70	32	,	,	PUNCT
iaajah-7571	70	33	and	and	CCONJ
iaajah-7571	70	34	transparent	transparent	ADJ
iaajah-7571	70	35	dialogue	dialogue	NOUN
iaajah-7571	70	36	.	.	PUNCT
iaajah-7571	71	1	cooperative	cooperative	ADJ
iaajah-7571	71	2	societies	society	NOUN
iaajah-7571	71	3	a	a	DET
iaajah-7571	71	4	cooperative	cooperative	ADJ
iaajah-7571	71	5	society	society	NOUN
iaajah-7571	71	6	is	be	AUX
iaajah-7571	71	7	an	an	DET
iaajah-7571	71	8	autonomous	autonomous	ADJ
iaajah-7571	71	9	association	association	NOUN
iaajah-7571	71	10	of	of	ADP
iaajah-7571	71	11	individuals	individual	NOUN
iaajah-7571	71	12	who	who	PRON
iaajah-7571	71	13	voluntarily	voluntarily	ADV
iaajah-7571	71	14	unite	unite	VERB
iaajah-7571	71	15	to	to	PART
iaajah-7571	71	16	meet	meet	VERB
iaajah-7571	71	17	their	their	PRON
iaajah-7571	71	18	common	common	ADJ
iaajah-7571	71	19	economic	economic	ADJ
iaajah-7571	71	20	,	,	PUNCT
iaajah-7571	71	21	social	social	ADJ
iaajah-7571	71	22	,	,	PUNCT
iaajah-7571	71	23	and	and	CCONJ
iaajah-7571	71	24	cultural	cultural	ADJ
iaajah-7571	71	25	needs	need	NOUN
iaajah-7571	71	26	and	and	CCONJ
iaajah-7571	71	27	aspirations	aspiration	NOUN
iaajah-7571	71	28	through	through	ADP
iaajah-7571	71	29	a	a	DET
iaajah-7571	71	30	jointly	jointly	ADV
iaajah-7571	71	31	owned	own	VERB
iaajah-7571	71	32	and	and	CCONJ
iaajah-7571	71	33	democratically	democratically	ADV
iaajah-7571	71	34	controlled	control	VERB
iaajah-7571	71	35	enterprise	enterprise	NOUN
iaajah-7571	71	36	(	(	PUNCT
iaajah-7571	71	37	international	international	ADJ
iaajah-7571	71	38	cooperative	cooperative	ADJ
iaajah-7571	71	39	alliance	alliance	NOUN
iaajah-7571	72	1	[	[	X
iaajah-7571	72	2	ica	ica	X
iaajah-7571	72	3	]	]	X
iaajah-7571	72	4	,	,	PUNCT
iaajah-7571	72	5	2021	2021	NUM
iaajah-7571	72	6	)	)	PUNCT
iaajah-7571	72	7	.	.	PUNCT
iaajah-7571	73	1	cooperatives	cooperative	NOUN
iaajah-7571	73	2	are	be	AUX
iaajah-7571	73	3	founded	found	VERB
iaajah-7571	73	4	on	on	ADP
iaajah-7571	73	5	principles	principle	NOUN
iaajah-7571	73	6	such	such	ADJ
iaajah-7571	73	7	as	as	ADP
iaajah-7571	73	8	voluntary	voluntary	ADJ
iaajah-7571	73	9	and	and	CCONJ
iaajah-7571	73	10	open	open	ADJ
iaajah-7571	73	11	membership	membership	NOUN
iaajah-7571	73	12	,	,	PUNCT
iaajah-7571	73	13	democratic	democratic	ADJ
iaajah-7571	73	14	member	member	NOUN
iaajah-7571	73	15	control	control	PROPN
iaajah-7571	73	16	,	,	PUNCT
iaajah-7571	73	17	member	member	NOUN
iaajah-7571	73	18	economic	economic	ADJ
iaajah-7571	73	19	participation	participation	NOUN
iaajah-7571	73	20	,	,	PUNCT
iaajah-7571	73	21	and	and	CCONJ
iaajah-7571	73	22	concern	concern	NOUN
iaajah-7571	73	23	for	for	ADP
iaajah-7571	73	24	community	community	NOUN
iaajah-7571	73	25	.	.	PUNCT
iaajah-7571	74	1	in	in	ADP
iaajah-7571	74	2	nigeria	nigeria	PROPN
iaajah-7571	74	3	,	,	PUNCT
iaajah-7571	74	4	cooperative	cooperative	ADJ
iaajah-7571	74	5	societies	society	NOUN
iaajah-7571	74	6	are	be	AUX
iaajah-7571	74	7	legally	legally	ADV
iaajah-7571	74	8	recognized	recognize	VERB
iaajah-7571	74	9	and	and	CCONJ
iaajah-7571	74	10	regulated	regulate	VERB
iaajah-7571	74	11	under	under	ADP
iaajah-7571	74	12	the	the	DET
iaajah-7571	74	13	nigerian	nigerian	ADJ
iaajah-7571	74	14	cooperative	cooperative	ADJ
iaajah-7571	74	15	societies	societies	PROPN
iaajah-7571	74	16	act	act	VERB
iaajah-7571	74	17	.	.	PUNCT
iaajah-7571	75	1	they	they	PRON
iaajah-7571	75	2	are	be	AUX
iaajah-7571	75	3	classified	classify	VERB
iaajah-7571	75	4	into	into	ADP
iaajah-7571	75	5	various	various	ADJ
iaajah-7571	75	6	types	type	NOUN
iaajah-7571	75	7	,	,	PUNCT
iaajah-7571	75	8	including	include	VERB
iaajah-7571	75	9	credit	credit	NOUN
iaajah-7571	75	10	cooperatives	cooperative	NOUN
iaajah-7571	75	11	,	,	PUNCT
iaajah-7571	75	12	agricultural	agricultural	ADJ
iaajah-7571	75	13	cooperatives	cooperative	NOUN
iaajah-7571	75	14	,	,	PUNCT
iaajah-7571	75	15	marketing	marketing	NOUN
iaajah-7571	75	16	cooperatives	cooperative	NOUN
iaajah-7571	75	17	,	,	PUNCT
iaajah-7571	75	18	consumer	consumer	NOUN
iaajah-7571	75	19	cooperatives	cooperative	NOUN
iaajah-7571	75	20	,	,	PUNCT
iaajah-7571	75	21	and	and	CCONJ
iaajah-7571	75	22	multi	multi	ADJ
iaajah-7571	75	23	-	-	NOUN
iaajah-7571	75	24	purpose	purpose	NOUN
iaajah-7571	75	25	cooperatives	cooperative	NOUN
iaajah-7571	75	26	.	.	PUNCT
iaajah-7571	76	1	while	while	SCONJ
iaajah-7571	76	2	many	many	ADJ
iaajah-7571	76	3	are	be	AUX
iaajah-7571	76	4	small	small	ADJ
iaajah-7571	76	5	and	and	CCONJ
iaajah-7571	76	6	community	community	NOUN
iaajah-7571	76	7	-	-	PUNCT
iaajah-7571	76	8	based	base	VERB
iaajah-7571	76	9	,	,	PUNCT
iaajah-7571	76	10	others	other	NOUN
iaajah-7571	76	11	operate	operate	VERB
iaajah-7571	76	12	on	on	ADP
iaajah-7571	76	13	larger	large	ADJ
iaajah-7571	76	14	scales	scale	NOUN
iaajah-7571	76	15	and	and	CCONJ
iaajah-7571	76	16	engage	engage	VERB
iaajah-7571	76	17	in	in	ADP
iaajah-7571	76	18	sophisticated	sophisticated	ADJ
iaajah-7571	76	19	financial	financial	ADJ
iaajah-7571	76	20	,	,	PUNCT
iaajah-7571	76	21	agricultural	agricultural	ADJ
iaajah-7571	76	22	,	,	PUNCT
iaajah-7571	76	23	and	and	CCONJ
iaajah-7571	76	24	business	business	NOUN
iaajah-7571	76	25	operations	operation	NOUN
iaajah-7571	76	26	.	.	PUNCT
iaajah-7571	77	1	the	the	DET
iaajah-7571	77	2	primary	primary	ADJ
iaajah-7571	77	3	goal	goal	NOUN
iaajah-7571	77	4	of	of	ADP
iaajah-7571	77	5	cooperatives	cooperative	NOUN
iaajah-7571	77	6	is	be	AUX
iaajah-7571	77	7	to	to	PART
iaajah-7571	77	8	empower	empower	VERB
iaajah-7571	77	9	members	member	NOUN
iaajah-7571	77	10	economically	economically	ADV
iaajah-7571	77	11	and	and	CCONJ
iaajah-7571	77	12	socially	socially	ADV
iaajah-7571	77	13	.	.	PUNCT
iaajah-7571	78	1	in	in	ADP
iaajah-7571	78	2	many	many	ADJ
iaajah-7571	78	3	rural	rural	ADJ
iaajah-7571	78	4	areas	area	NOUN
iaajah-7571	78	5	,	,	PUNCT
iaajah-7571	78	6	cooperative	cooperative	ADJ
iaajah-7571	78	7	societies	society	NOUN
iaajah-7571	78	8	fill	fill	VERB
iaajah-7571	78	9	critical	critical	ADJ
iaajah-7571	78	10	gaps	gap	NOUN
iaajah-7571	78	11	left	leave	VERB
iaajah-7571	78	12	by	by	ADP
iaajah-7571	78	13	the	the	DET
iaajah-7571	78	14	formal	formal	ADJ
iaajah-7571	78	15	financial	financial	ADJ
iaajah-7571	78	16	system	system	NOUN
iaajah-7571	78	17	,	,	PUNCT
iaajah-7571	78	18	such	such	ADJ
iaajah-7571	78	19	as	as	ADP
iaajah-7571	78	20	access	access	NOUN
iaajah-7571	78	21	to	to	ADP
iaajah-7571	78	22	credit	credit	NOUN
iaajah-7571	78	23	,	,	PUNCT
iaajah-7571	78	24	savings	saving	NOUN
iaajah-7571	78	25	opportunities	opportunity	NOUN
iaajah-7571	78	26	,	,	PUNCT
iaajah-7571	78	27	and	and	CCONJ
iaajah-7571	78	28	collective	collective	ADJ
iaajah-7571	78	29	investment	investment	NOUN
iaajah-7571	78	30	schemes	scheme	NOUN
iaajah-7571	78	31	.	.	PUNCT
iaajah-7571	79	1	they	they	PRON
iaajah-7571	79	2	also	also	ADV
iaajah-7571	79	3	serve	serve	VERB
iaajah-7571	79	4	as	as	ADP
iaajah-7571	79	5	vehicles	vehicle	NOUN
iaajah-7571	79	6	for	for	ADP
iaajah-7571	79	7	delivering	deliver	VERB
iaajah-7571	79	8	government	government	NOUN
iaajah-7571	79	9	grants	grant	NOUN
iaajah-7571	79	10	,	,	PUNCT
iaajah-7571	79	11	agricultural	agricultural	ADJ
iaajah-7571	79	12	subsidies	subsidy	NOUN
iaajah-7571	79	13	,	,	PUNCT
iaajah-7571	79	14	and	and	CCONJ
iaajah-7571	79	15	donor	donor	NOUN
iaajah-7571	79	16	-	-	PUNCT
iaajah-7571	79	17	funded	fund	VERB
iaajah-7571	79	18	projects	project	NOUN
iaajah-7571	79	19	.	.	PUNCT
iaajah-7571	80	1	however	however	ADV
iaajah-7571	80	2	,	,	PUNCT
iaajah-7571	80	3	cooperative	cooperative	ADJ
iaajah-7571	80	4	societies	society	NOUN
iaajah-7571	80	5	face	face	VERB
iaajah-7571	80	6	numerous	numerous	ADJ
iaajah-7571	80	7	organizational	organizational	ADJ
iaajah-7571	80	8	challenges	challenge	NOUN
iaajah-7571	80	9	.	.	PUNCT
iaajah-7571	81	1	these	these	PRON
iaajah-7571	81	2	include	include	VERB
iaajah-7571	81	3	limited	limited	ADJ
iaajah-7571	81	4	administrative	administrative	ADJ
iaajah-7571	81	5	capacity	capacity	NOUN
iaajah-7571	81	6	,	,	PUNCT
iaajah-7571	81	7	lack	lack	NOUN
iaajah-7571	81	8	of	of	ADP
iaajah-7571	81	9	formal	formal	ADJ
iaajah-7571	81	10	training	training	NOUN
iaajah-7571	81	11	,	,	PUNCT
iaajah-7571	81	12	poor	poor	ADJ
iaajah-7571	81	13	recordkeeping	recordkeeping	NOUN
iaajah-7571	81	14	,	,	PUNCT
iaajah-7571	81	15	and	and	CCONJ
iaajah-7571	81	16	communication	communication	NOUN
iaajah-7571	81	17	breakdowns	breakdown	NOUN
iaajah-7571	81	18	between	between	ADP
iaajah-7571	81	19	executives	executive	NOUN
iaajah-7571	81	20	and	and	CCONJ
iaajah-7571	81	21	members	member	NOUN
iaajah-7571	81	22	.	.	PUNCT
iaajah-7571	82	1	this	this	PRON
iaajah-7571	82	2	is	be	AUX
iaajah-7571	82	3	where	where	SCONJ
iaajah-7571	82	4	the	the	DET
iaajah-7571	82	5	integration	integration	NOUN
iaajah-7571	82	6	of	of	ADP
iaajah-7571	82	7	ict	ict	NOUN
iaajah-7571	82	8	tools	tool	NOUN
iaajah-7571	82	9	becomes	become	VERB
iaajah-7571	82	10	particularly	particularly	ADV
iaajah-7571	82	11	relevant	relevant	ADJ
iaajah-7571	82	12	.	.	PUNCT
iaajah-7571	83	1	by	by	ADP
iaajah-7571	83	2	digitizing	digitize	VERB
iaajah-7571	83	3	communication	communication	NOUN
iaajah-7571	83	4	processes	process	NOUN
iaajah-7571	83	5	and	and	CCONJ
iaajah-7571	83	6	reducing	reduce	VERB
iaajah-7571	83	7	dependency	dependency	NOUN
iaajah-7571	83	8	on	on	ADP
iaajah-7571	83	9	manual	manual	ADJ
iaajah-7571	83	10	systems	system	NOUN
iaajah-7571	83	11	,	,	PUNCT
iaajah-7571	83	12	cooperatives	cooperative	NOUN
iaajah-7571	83	13	can	can	AUX
iaajah-7571	83	14	increase	increase	VERB
iaajah-7571	83	15	transparency	transparency	NOUN
iaajah-7571	83	16	,	,	PUNCT
iaajah-7571	83	17	streamline	streamline	VERB
iaajah-7571	83	18	operations	operation	NOUN
iaajah-7571	83	19	,	,	PUNCT
iaajah-7571	83	20	and	and	CCONJ
iaajah-7571	83	21	build	build	VERB
iaajah-7571	83	22	stronger	strong	ADJ
iaajah-7571	83	23	connections	connection	NOUN
iaajah-7571	83	24	among	among	ADP
iaajah-7571	83	25	members	member	NOUN
iaajah-7571	83	26	.	.	PUNCT
iaajah-7571	84	1	moreover	moreover	ADV
iaajah-7571	84	2	,	,	PUNCT
iaajah-7571	84	3	the	the	DET
iaajah-7571	84	4	demographic	demographic	ADJ
iaajah-7571	84	5	landscape	landscape	NOUN
iaajah-7571	84	6	of	of	ADP
iaajah-7571	84	7	nigerian	nigerian	ADJ
iaajah-7571	84	8	cooperative	cooperative	ADJ
iaajah-7571	84	9	members	member	NOUN
iaajah-7571	84	10	is	be	AUX
iaajah-7571	84	11	changing	change	VERB
iaajah-7571	84	12	.	.	PUNCT
iaajah-7571	85	1	younger	young	ADJ
iaajah-7571	85	2	members	member	NOUN
iaajah-7571	85	3	,	,	PUNCT
iaajah-7571	85	4	many	many	ADJ
iaajah-7571	85	5	of	of	ADP
iaajah-7571	85	6	whom	whom	PRON
iaajah-7571	85	7	are	be	AUX
iaajah-7571	85	8	digitally	digitally	ADV
iaajah-7571	85	9	literate	literate	ADJ
iaajah-7571	85	10	,	,	PUNCT
iaajah-7571	85	11	are	be	AUX
iaajah-7571	85	12	entering	enter	VERB
iaajah-7571	85	13	cooperatives	cooperative	NOUN
iaajah-7571	85	14	with	with	ADP
iaajah-7571	85	15	higher	high	ADJ
iaajah-7571	85	16	expectations	expectation	NOUN
iaajah-7571	85	17	for	for	ADP
iaajah-7571	85	18	communication	communication	NOUN
iaajah-7571	85	19	speed	speed	NOUN
iaajah-7571	85	20	and	and	CCONJ
iaajah-7571	85	21	digital	digital	ADJ
iaajah-7571	85	22	access	access	NOUN
iaajah-7571	85	23	.	.	PUNCT
iaajah-7571	86	1	this	this	DET
iaajah-7571	86	2	generational	generational	ADJ
iaajah-7571	86	3	shift	shift	NOUN
iaajah-7571	86	4	further	far	ADV
iaajah-7571	86	5	compels	compel	VERB
iaajah-7571	86	6	cooperative	cooperative	ADJ
iaajah-7571	86	7	leaders	leader	NOUN
iaajah-7571	86	8	to	to	PART
iaajah-7571	86	9	adopt	adopt	VERB
iaajah-7571	86	10	modern	modern	ADJ
iaajah-7571	86	11	ict	ict	NOUN
iaajah-7571	86	12	tools	tool	NOUN
iaajah-7571	86	13	to	to	PART
iaajah-7571	86	14	stay	stay	VERB
iaajah-7571	86	15	relevant	relevant	ADJ
iaajah-7571	86	16	and	and	CCONJ
iaajah-7571	86	17	competitive	competitive	ADJ
iaajah-7571	86	18	.	.	PUNCT
iaajah-7571	87	1	interrelationship	interrelationship	NOUN
iaajah-7571	87	2	of	of	ADP
iaajah-7571	87	3	the	the	DET
iaajah-7571	87	4	concepts	concept	NOUN
iaajah-7571	87	5	these	these	DET
iaajah-7571	87	6	three	three	NUM
iaajah-7571	87	7	concepts	concept	NOUN
iaajah-7571	87	8	ict	ict	PROPN
iaajah-7571	87	9	,	,	PUNCT
iaajah-7571	87	10	internal	internal	ADJ
iaajah-7571	87	11	communication	communication	NOUN
iaajah-7571	87	12	,	,	PUNCT
iaajah-7571	87	13	and	and	CCONJ
iaajah-7571	87	14	cooperative	cooperative	ADJ
iaajah-7571	87	15	societies	society	NOUN
iaajah-7571	87	16	are	be	AUX
iaajah-7571	87	17	closely	closely	ADV
iaajah-7571	87	18	interconnected	interconnected	ADJ
iaajah-7571	87	19	.	.	PUNCT
iaajah-7571	88	1	cooperative	cooperative	ADJ
iaajah-7571	88	2	societies	society	NOUN
iaajah-7571	88	3	depend	depend	VERB
iaajah-7571	88	4	on	on	ADP
iaajah-7571	88	5	internal	internal	ADJ
iaajah-7571	88	6	communication	communication	NOUN
iaajah-7571	88	7	to	to	PART
iaajah-7571	88	8	maintain	maintain	VERB
iaajah-7571	88	9	transparency	transparency	NOUN
iaajah-7571	88	10	,	,	PUNCT
iaajah-7571	88	11	igwebuike	igwebuike	NOUN
iaajah-7571	88	12	:	:	PUNCT
iaajah-7571	88	13	an	an	DET
iaajah-7571	88	14	african	african	ADJ
iaajah-7571	88	15	journal	journal	NOUN
iaajah-7571	88	16	of	of	ADP
iaajah-7571	88	17	arts	art	NOUN
iaajah-7571	88	18	and	and	CCONJ
iaajah-7571	88	19	humanities	humanity	NOUN
iaajah-7571	88	20	vol	vol	NOUN
iaajah-7571	88	21	.	.	PUNCT
iaajah-7571	89	1	11	11	NUM
iaajah-7571	89	2	.	.	PUNCT
iaajah-7571	90	1	no	no	INTJ
iaajah-7571	90	2	.	.	NOUN
iaajah-7571	90	3	7	7	NUM
iaajah-7571	90	4	,	,	PUNCT
iaajah-7571	90	5	(	(	PUNCT
iaajah-7571	90	6	2025	2025	NUM
iaajah-7571	90	7	)	)	PUNCT
iaajah-7571	90	8	issn	issn	PROPN
iaajah-7571	90	9	:	:	PUNCT
iaajah-7571	90	10	24889210	24889210	NUM
iaajah-7571	90	11	(	(	PUNCT
iaajah-7571	90	12	print	print	NOUN
iaajah-7571	90	13	)	)	PUNCT
iaajah-7571	90	14	2504	2504	NUM
iaajah-7571	90	15	-	-	SYM
iaajah-7571	90	16	9038	9038	NUM
iaajah-7571	90	17	(	(	PUNCT
iaajah-7571	90	18	online	online	NOUN
iaajah-7571	90	19	)	)	PUNCT
iaajah-7571	90	20	dept	dept	NOUN
iaajah-7571	90	21	.	.	PROPN
iaajah-7571	91	1	of	of	ADP
iaajah-7571	91	2	philosophy	philosophy	NOUN
iaajah-7571	91	3	and	and	CCONJ
iaajah-7571	91	4	religious	religious	ADJ
iaajah-7571	91	5	studies	study	NOUN
iaajah-7571	91	6	,	,	PUNCT
iaajah-7571	91	7	tansian	tansian	PROPN
iaajah-7571	91	8	university	university	PROPN
iaajah-7571	91	9	umunya	umunya	PROPN
iaajah-7571	91	10	indexed	indexed	PROPN
iaajah-7571	91	11	:	:	PUNCT
iaajah-7571	91	12	academic	academic	ADJ
iaajah-7571	91	13	journals	journal	NOUN
iaajah-7571	91	14	online	online	ADV
iaajah-7571	91	15	,	,	PUNCT
iaajah-7571	91	16	google	google	PROPN
iaajah-7571	91	17	scholar	scholar	NOUN
iaajah-7571	91	18	,	,	PUNCT
iaajah-7571	91	19	igwebuike	igwebuike	PROPN
iaajah-7571	91	20	research	research	PROPN
iaajah-7571	91	21	institute	institute	PROPN
iaajah-7571	91	22	64	64	NUM
iaajah-7571	91	23	democracy	democracy	NOUN
iaajah-7571	91	24	,	,	PUNCT
iaajah-7571	91	25	and	and	CCONJ
iaajah-7571	91	26	participation	participation	NOUN
iaajah-7571	91	27	.	.	PUNCT
iaajah-7571	92	1	ict	ict	NOUN
iaajah-7571	92	2	tools	tool	NOUN
iaajah-7571	92	3	serve	serve	VERB
iaajah-7571	92	4	as	as	ADP
iaajah-7571	92	5	enablers	enabler	NOUN
iaajah-7571	92	6	that	that	PRON
iaajah-7571	92	7	strengthen	strengthen	VERB
iaajah-7571	92	8	this	this	DET
iaajah-7571	92	9	communication	communication	NOUN
iaajah-7571	92	10	,	,	PUNCT
iaajah-7571	92	11	making	make	VERB
iaajah-7571	92	12	it	it	PRON
iaajah-7571	92	13	faster	fast	ADV
iaajah-7571	92	14	,	,	PUNCT
iaajah-7571	92	15	cheaper	cheap	ADJ
iaajah-7571	92	16	,	,	PUNCT
iaajah-7571	92	17	and	and	CCONJ
iaajah-7571	92	18	more	more	ADV
iaajah-7571	92	19	inclusive	inclusive	ADJ
iaajah-7571	92	20	.	.	PUNCT
iaajah-7571	93	1	however	however	ADV
iaajah-7571	93	2	,	,	PUNCT
iaajah-7571	93	3	the	the	DET
iaajah-7571	93	4	adoption	adoption	NOUN
iaajah-7571	93	5	of	of	ADP
iaajah-7571	93	6	ict	ict	PROPN
iaajah-7571	93	7	in	in	ADP
iaajah-7571	93	8	cooperatives	cooperative	NOUN
iaajah-7571	93	9	must	must	AUX
iaajah-7571	93	10	be	be	AUX
iaajah-7571	93	11	context	context	NOUN
iaajah-7571	93	12	-	-	PUNCT
iaajah-7571	93	13	sensitive	sensitive	ADJ
iaajah-7571	93	14	,	,	PUNCT
iaajah-7571	93	15	considering	consider	VERB
iaajah-7571	93	16	local	local	ADJ
iaajah-7571	93	17	infrastructure	infrastructure	NOUN
iaajah-7571	93	18	,	,	PUNCT
iaajah-7571	93	19	digital	digital	ADJ
iaajah-7571	93	20	literacy	literacy	NOUN
iaajah-7571	93	21	levels	level	NOUN
iaajah-7571	93	22	,	,	PUNCT
iaajah-7571	93	23	and	and	CCONJ
iaajah-7571	93	24	cultural	cultural	ADJ
iaajah-7571	93	25	attitudes	attitude	NOUN
iaajah-7571	93	26	toward	toward	ADP
iaajah-7571	93	27	technology	technology	NOUN
iaajah-7571	93	28	.	.	PUNCT
iaajah-7571	94	1	in	in	ADP
iaajah-7571	94	2	the	the	DET
iaajah-7571	94	3	case	case	NOUN
iaajah-7571	94	4	of	of	ADP
iaajah-7571	94	5	nigeria	nigeria	PROPN
iaajah-7571	94	6	,	,	PUNCT
iaajah-7571	94	7	where	where	SCONJ
iaajah-7571	94	8	digital	digital	ADJ
iaajah-7571	94	9	inclusion	inclusion	NOUN
iaajah-7571	94	10	remains	remain	VERB
iaajah-7571	94	11	uneven	uneven	ADJ
iaajah-7571	94	12	and	and	CCONJ
iaajah-7571	94	13	rural	rural	ADJ
iaajah-7571	94	14	-	-	PUNCT
iaajah-7571	94	15	urban	urban	ADJ
iaajah-7571	94	16	disparities	disparity	NOUN
iaajah-7571	94	17	are	be	AUX
iaajah-7571	94	18	prominent	prominent	ADJ
iaajah-7571	94	19	,	,	PUNCT
iaajah-7571	94	20	the	the	DET
iaajah-7571	94	21	adoption	adoption	NOUN
iaajah-7571	94	22	of	of	ADP
iaajah-7571	94	23	ict	ict	PROPN
iaajah-7571	94	24	for	for	ADP
iaajah-7571	94	25	internal	internal	ADJ
iaajah-7571	94	26	communication	communication	NOUN
iaajah-7571	94	27	must	must	AUX
iaajah-7571	94	28	be	be	AUX
iaajah-7571	94	29	accompanied	accompany	VERB
iaajah-7571	94	30	by	by	ADP
iaajah-7571	94	31	capacity	capacity	NOUN
iaajah-7571	94	32	-	-	PUNCT
iaajah-7571	94	33	building	building	NOUN
iaajah-7571	94	34	and	and	CCONJ
iaajah-7571	94	35	policy	policy	NOUN
iaajah-7571	94	36	support	support	NOUN
iaajah-7571	94	37	.	.	PUNCT
iaajah-7571	95	1	as	as	SCONJ
iaajah-7571	95	2	this	this	DET
iaajah-7571	95	3	chapter	chapter	NOUN
iaajah-7571	95	4	will	will	AUX
iaajah-7571	95	5	demonstrate	demonstrate	VERB
iaajah-7571	95	6	,	,	PUNCT
iaajah-7571	95	7	understanding	understand	VERB
iaajah-7571	95	8	these	these	DET
iaajah-7571	95	9	conceptual	conceptual	ADJ
iaajah-7571	95	10	linkages	linkage	NOUN
iaajah-7571	95	11	is	be	AUX
iaajah-7571	95	12	key	key	ADJ
iaajah-7571	95	13	to	to	ADP
iaajah-7571	95	14	designing	design	VERB
iaajah-7571	95	15	effective	effective	ADJ
iaajah-7571	95	16	strategies	strategy	NOUN
iaajah-7571	95	17	for	for	ADP
iaajah-7571	95	18	digital	digital	ADJ
iaajah-7571	95	19	transformation	transformation	NOUN
iaajah-7571	95	20	in	in	ADP
iaajah-7571	95	21	nigerian	nigerian	ADJ
iaajah-7571	95	22	cooperative	cooperative	ADJ
iaajah-7571	95	23	societies	society	NOUN
iaajah-7571	95	24	.	.	PUNCT
iaajah-7571	96	1	3	3	X
iaajah-7571	96	2	.	.	X
iaajah-7571	96	3	theoretical	theoretical	ADJ
iaajah-7571	96	4	framework	framework	NOUN
iaajah-7571	96	5	understanding	understand	VERB
iaajah-7571	96	6	the	the	DET
iaajah-7571	96	7	adoption	adoption	NOUN
iaajah-7571	96	8	of	of	ADP
iaajah-7571	96	9	information	information	NOUN
iaajah-7571	96	10	and	and	CCONJ
iaajah-7571	96	11	communication	communication	NOUN
iaajah-7571	96	12	technology	technology	NOUN
iaajah-7571	96	13	(	(	PUNCT
iaajah-7571	96	14	ict	ict	NOUN
iaajah-7571	96	15	)	)	PUNCT
iaajah-7571	96	16	tools	tool	NOUN
iaajah-7571	96	17	for	for	ADP
iaajah-7571	96	18	internal	internal	ADJ
iaajah-7571	96	19	communication	communication	NOUN
iaajah-7571	96	20	in	in	ADP
iaajah-7571	96	21	nigerian	nigerian	ADJ
iaajah-7571	96	22	cooperative	cooperative	ADJ
iaajah-7571	96	23	societies	society	NOUN
iaajah-7571	96	24	requires	require	VERB
iaajah-7571	96	25	a	a	DET
iaajah-7571	96	26	robust	robust	ADJ
iaajah-7571	96	27	theoretical	theoretical	ADJ
iaajah-7571	96	28	lens	len	NOUN
iaajah-7571	96	29	.	.	PUNCT
iaajah-7571	97	1	two	two	NUM
iaajah-7571	97	2	influential	influential	ADJ
iaajah-7571	97	3	theories	theory	NOUN
iaajah-7571	97	4	provide	provide	VERB
iaajah-7571	97	5	insights	insight	NOUN
iaajah-7571	97	6	into	into	ADP
iaajah-7571	97	7	how	how	SCONJ
iaajah-7571	97	8	and	and	CCONJ
iaajah-7571	97	9	why	why	SCONJ
iaajah-7571	97	10	cooperative	cooperative	ADJ
iaajah-7571	97	11	members	member	NOUN
iaajah-7571	97	12	and	and	CCONJ
iaajah-7571	97	13	leaders	leader	NOUN
iaajah-7571	97	14	choose	choose	VERB
iaajah-7571	97	15	to	to	PART
iaajah-7571	97	16	adopt	adopt	VERB
iaajah-7571	97	17	or	or	CCONJ
iaajah-7571	97	18	reject	reject	VERB
iaajah-7571	97	19	digital	digital	ADJ
iaajah-7571	97	20	communication	communication	NOUN
iaajah-7571	97	21	tools	tool	NOUN
iaajah-7571	97	22	:	:	PUNCT
iaajah-7571	97	23	the	the	DET
iaajah-7571	97	24	technology	technology	NOUN
iaajah-7571	97	25	acceptance	acceptance	NOUN
iaajah-7571	97	26	model	model	NOUN
iaajah-7571	97	27	(	(	PUNCT
iaajah-7571	97	28	tam	tam	PROPN
iaajah-7571	97	29	)	)	PUNCT
iaajah-7571	97	30	and	and	CCONJ
iaajah-7571	97	31	the	the	DET
iaajah-7571	97	32	diffusion	diffusion	NOUN
iaajah-7571	97	33	of	of	ADP
iaajah-7571	97	34	innovations	innovation	NOUN
iaajah-7571	97	35	(	(	PUNCT
iaajah-7571	97	36	doi	doi	NOUN
iaajah-7571	97	37	)	)	PUNCT
iaajah-7571	97	38	theory	theory	NOUN
iaajah-7571	97	39	.	.	PUNCT
iaajah-7571	98	1	these	these	DET
iaajah-7571	98	2	frameworks	framework	NOUN
iaajah-7571	98	3	explain	explain	VERB
iaajah-7571	98	4	the	the	DET
iaajah-7571	98	5	dynamics	dynamic	NOUN
iaajah-7571	98	6	of	of	ADP
iaajah-7571	98	7	technology	technology	NOUN
iaajah-7571	98	8	adoption	adoption	NOUN
iaajah-7571	98	9	in	in	ADP
iaajah-7571	98	10	social	social	ADJ
iaajah-7571	98	11	and	and	CCONJ
iaajah-7571	98	12	organizational	organizational	ADJ
iaajah-7571	98	13	settings	setting	NOUN
iaajah-7571	98	14	,	,	PUNCT
iaajah-7571	98	15	helping	help	VERB
iaajah-7571	98	16	to	to	PART
iaajah-7571	98	17	illuminate	illuminate	VERB
iaajah-7571	98	18	the	the	DET
iaajah-7571	98	19	motivations	motivation	NOUN
iaajah-7571	98	20	,	,	PUNCT
iaajah-7571	98	21	barriers	barrier	NOUN
iaajah-7571	98	22	,	,	PUNCT
iaajah-7571	98	23	and	and	CCONJ
iaajah-7571	98	24	strategies	strategy	NOUN
iaajah-7571	98	25	that	that	PRON
iaajah-7571	98	26	influence	influence	VERB
iaajah-7571	98	27	ict	ict	NOUN
iaajah-7571	98	28	uptake	uptake	ADJ
iaajah-7571	98	29	in	in	ADP
iaajah-7571	98	30	cooperatives	cooperative	NOUN
iaajah-7571	98	31	.	.	PUNCT
iaajah-7571	99	1	technology	technology	NOUN
iaajah-7571	99	2	acceptance	acceptance	NOUN
iaajah-7571	99	3	model	model	NOUN
iaajah-7571	99	4	(	(	PUNCT
iaajah-7571	99	5	tam	tam	PROPN
iaajah-7571	99	6	)	)	PUNCT
iaajah-7571	99	7	the	the	DET
iaajah-7571	99	8	technology	technology	NOUN
iaajah-7571	99	9	acceptance	acceptance	NOUN
iaajah-7571	99	10	model	model	NOUN
iaajah-7571	99	11	,	,	PUNCT
iaajah-7571	99	12	developed	develop	VERB
iaajah-7571	99	13	by	by	ADP
iaajah-7571	99	14	davis	davis	PROPN
iaajah-7571	99	15	(	(	PUNCT
iaajah-7571	99	16	1989	1989	NUM
iaajah-7571	99	17	)	)	PUNCT
iaajah-7571	99	18	,	,	PUNCT
iaajah-7571	99	19	is	be	AUX
iaajah-7571	99	20	one	one	NUM
iaajah-7571	99	21	of	of	ADP
iaajah-7571	99	22	the	the	DET
iaajah-7571	99	23	most	most	ADV
iaajah-7571	99	24	widely	widely	ADV
iaajah-7571	99	25	used	use	VERB
iaajah-7571	99	26	models	model	NOUN
iaajah-7571	99	27	for	for	ADP
iaajah-7571	99	28	explaining	explain	VERB
iaajah-7571	99	29	and	and	CCONJ
iaajah-7571	99	30	predicting	predict	VERB
iaajah-7571	99	31	user	user	NOUN
iaajah-7571	99	32	behavior	behavior	NOUN
iaajah-7571	99	33	in	in	ADP
iaajah-7571	99	34	relation	relation	NOUN
iaajah-7571	99	35	to	to	ADP
iaajah-7571	99	36	information	information	NOUN
iaajah-7571	99	37	systems	system	NOUN
iaajah-7571	99	38	.	.	PUNCT
iaajah-7571	100	1	tam	tam	PROPN
iaajah-7571	100	2	is	be	AUX
iaajah-7571	100	3	rooted	root	VERB
iaajah-7571	100	4	in	in	ADP
iaajah-7571	100	5	the	the	DET
iaajah-7571	100	6	theory	theory	NOUN
iaajah-7571	100	7	of	of	ADP
iaajah-7571	100	8	reasoned	reason	VERB
iaajah-7571	100	9	action	action	NOUN
iaajah-7571	100	10	and	and	CCONJ
iaajah-7571	100	11	posits	posit	NOUN
iaajah-7571	100	12	that	that	SCONJ
iaajah-7571	100	13	two	two	NUM
iaajah-7571	100	14	key	key	ADJ
iaajah-7571	100	15	beliefs	belief	NOUN
iaajah-7571	100	16	determine	determine	VERB
iaajah-7571	100	17	an	an	DET
iaajah-7571	100	18	individual	individual	NOUN
iaajah-7571	100	19	's	's	PART
iaajah-7571	100	20	intention	intention	NOUN
iaajah-7571	100	21	to	to	PART
iaajah-7571	100	22	use	use	VERB
iaajah-7571	100	23	a	a	DET
iaajah-7571	100	24	technology	technology	NOUN
iaajah-7571	100	25	:	:	PUNCT
iaajah-7571	100	26	•	•	NOUN
iaajah-7571	100	27	perceived	perceive	VERB
iaajah-7571	100	28	usefulness	usefulness	NOUN
iaajah-7571	100	29	(	(	PUNCT
iaajah-7571	100	30	pu	pu	PROPN
iaajah-7571	100	31	):	):	PUNCT
iaajah-7571	100	32	the	the	DET
iaajah-7571	100	33	degree	degree	NOUN
iaajah-7571	100	34	to	to	PART
iaajah-7571	100	35	which	which	PRON
iaajah-7571	100	36	a	a	DET
iaajah-7571	100	37	person	person	NOUN
iaajah-7571	100	38	believes	believe	VERB
iaajah-7571	100	39	that	that	SCONJ
iaajah-7571	100	40	using	use	VERB
iaajah-7571	100	41	a	a	DET
iaajah-7571	100	42	particular	particular	ADJ
iaajah-7571	100	43	technology	technology	NOUN
iaajah-7571	100	44	will	will	AUX
iaajah-7571	100	45	enhance	enhance	VERB
iaajah-7571	100	46	their	their	PRON
iaajah-7571	100	47	performance	performance	NOUN
iaajah-7571	100	48	or	or	CCONJ
iaajah-7571	100	49	productivity	productivity	NOUN
iaajah-7571	100	50	.	.	PUNCT
iaajah-7571	101	1	•	•	NUM
iaajah-7571	101	2	perceived	perceive	VERB
iaajah-7571	101	3	ease	ease	NOUN
iaajah-7571	101	4	of	of	ADP
iaajah-7571	101	5	use	use	NOUN
iaajah-7571	101	6	(	(	PUNCT
iaajah-7571	101	7	peou	peou	ADV
iaajah-7571	101	8	):	):	PUNCT
iaajah-7571	101	9	the	the	DET
iaajah-7571	101	10	degree	degree	NOUN
iaajah-7571	101	11	to	to	PART
iaajah-7571	101	12	which	which	PRON
iaajah-7571	101	13	a	a	DET
iaajah-7571	101	14	person	person	NOUN
iaajah-7571	101	15	believes	believe	VERB
iaajah-7571	101	16	that	that	SCONJ
iaajah-7571	101	17	using	use	VERB
iaajah-7571	101	18	the	the	DET
iaajah-7571	101	19	technology	technology	NOUN
iaajah-7571	101	20	will	will	AUX
iaajah-7571	101	21	be	be	AUX
iaajah-7571	101	22	free	free	ADJ
iaajah-7571	101	23	of	of	ADP
iaajah-7571	101	24	effort	effort	NOUN
iaajah-7571	101	25	.	.	PUNCT
iaajah-7571	102	1	according	accord	VERB
iaajah-7571	102	2	to	to	ADP
iaajah-7571	102	3	the	the	DET
iaajah-7571	102	4	model	model	NOUN
iaajah-7571	102	5	,	,	PUNCT
iaajah-7571	102	6	when	when	SCONJ
iaajah-7571	102	7	individuals	individual	NOUN
iaajah-7571	102	8	perceive	perceive	VERB
iaajah-7571	102	9	a	a	DET
iaajah-7571	102	10	technology	technology	NOUN
iaajah-7571	102	11	to	to	PART
iaajah-7571	102	12	be	be	AUX
iaajah-7571	102	13	both	both	CCONJ
iaajah-7571	102	14	useful	useful	ADJ
iaajah-7571	102	15	and	and	CCONJ
iaajah-7571	102	16	easy	easy	ADJ
iaajah-7571	102	17	to	to	PART
iaajah-7571	102	18	use	use	VERB
iaajah-7571	102	19	,	,	PUNCT
iaajah-7571	102	20	they	they	PRON
iaajah-7571	102	21	are	be	AUX
iaajah-7571	102	22	more	more	ADV
iaajah-7571	102	23	likely	likely	ADJ
iaajah-7571	102	24	to	to	PART
iaajah-7571	102	25	accept	accept	VERB
iaajah-7571	102	26	and	and	CCONJ
iaajah-7571	102	27	adopt	adopt	VERB
iaajah-7571	102	28	it	it	PRON
iaajah-7571	102	29	.	.	PUNCT
iaajah-7571	103	1	these	these	DET
iaajah-7571	103	2	perceptions	perception	NOUN
iaajah-7571	103	3	influence	influence	VERB
iaajah-7571	103	4	the	the	DET
iaajah-7571	103	5	user	user	NOUN
iaajah-7571	103	6	’s	’s	PART
iaajah-7571	103	7	attitude	attitude	NOUN
iaajah-7571	103	8	toward	toward	ADP
iaajah-7571	103	9	the	the	DET
iaajah-7571	103	10	technology	technology	NOUN
iaajah-7571	103	11	,	,	PUNCT
iaajah-7571	103	12	which	which	PRON
iaajah-7571	103	13	in	in	ADP
iaajah-7571	103	14	turn	turn	NOUN
iaajah-7571	103	15	shapes	shape	VERB
iaajah-7571	103	16	their	their	PRON
iaajah-7571	103	17	behavioral	behavioral	ADJ
iaajah-7571	103	18	intention	intention	NOUN
iaajah-7571	103	19	and	and	CCONJ
iaajah-7571	103	20	actual	actual	ADJ
iaajah-7571	103	21	usage	usage	NOUN
iaajah-7571	103	22	.	.	PUNCT
iaajah-7571	104	1	in	in	ADP
iaajah-7571	104	2	the	the	DET
iaajah-7571	104	3	context	context	NOUN
iaajah-7571	104	4	of	of	ADP
iaajah-7571	104	5	nigerian	nigerian	ADJ
iaajah-7571	104	6	cooperative	cooperative	ADJ
iaajah-7571	104	7	societies	society	NOUN
iaajah-7571	104	8	,	,	PUNCT
iaajah-7571	104	9	tam	tam	PROPN
iaajah-7571	104	10	helps	help	VERB
iaajah-7571	104	11	to	to	PART
iaajah-7571	104	12	explain	explain	VERB
iaajah-7571	104	13	how	how	SCONJ
iaajah-7571	104	14	members	member	NOUN
iaajah-7571	104	15	evaluate	evaluate	VERB
iaajah-7571	104	16	ict	ict	NOUN
iaajah-7571	104	17	tools	tool	NOUN
iaajah-7571	104	18	such	such	ADJ
iaajah-7571	104	19	as	as	ADP
iaajah-7571	104	20	whatsapp	whatsapp	NOUN
iaajah-7571	104	21	,	,	PUNCT
iaajah-7571	104	22	mobile	mobile	ADJ
iaajah-7571	104	23	banking	banking	NOUN
iaajah-7571	104	24	apps	app	NOUN
iaajah-7571	104	25	,	,	PUNCT
iaajah-7571	104	26	email	email	NOUN
iaajah-7571	104	27	,	,	PUNCT
iaajah-7571	104	28	or	or	CCONJ
iaajah-7571	104	29	cooperative	cooperative	ADJ
iaajah-7571	104	30	management	management	NOUN
iaajah-7571	104	31	systems	system	NOUN
iaajah-7571	104	32	.	.	PUNCT
iaajah-7571	105	1	for	for	ADP
iaajah-7571	105	2	example	example	NOUN
iaajah-7571	105	3	,	,	PUNCT
iaajah-7571	105	4	if	if	SCONJ
iaajah-7571	105	5	a	a	DET
iaajah-7571	105	6	cooperative	cooperative	ADJ
iaajah-7571	105	7	secretary	secretary	NOUN
iaajah-7571	105	8	believes	believe	VERB
iaajah-7571	105	9	that	that	SCONJ
iaajah-7571	105	10	using	use	VERB
iaajah-7571	105	11	a	a	DET
iaajah-7571	105	12	group	group	NOUN
iaajah-7571	105	13	messaging	message	VERB
iaajah-7571	105	14	app	app	NOUN
iaajah-7571	105	15	will	will	AUX
iaajah-7571	105	16	simplify	simplify	VERB
iaajah-7571	105	17	coordination	coordination	NOUN
iaajah-7571	105	18	and	and	CCONJ
iaajah-7571	105	19	save	save	VERB
iaajah-7571	105	20	time	time	NOUN
iaajah-7571	105	21	,	,	PUNCT
iaajah-7571	105	22	and	and	CCONJ
iaajah-7571	105	23	if	if	SCONJ
iaajah-7571	105	24	the	the	DET
iaajah-7571	105	25	app	app	NOUN
iaajah-7571	105	26	is	be	AUX
iaajah-7571	105	27	easy	easy	ADJ
iaajah-7571	105	28	to	to	PART
iaajah-7571	105	29	operate	operate	VERB
iaajah-7571	105	30	even	even	ADV
iaajah-7571	105	31	for	for	ADP
iaajah-7571	105	32	low	low	ADJ
iaajah-7571	105	33	-	-	PUNCT
iaajah-7571	105	34	literate	literate	ADJ
iaajah-7571	105	35	users	user	NOUN
iaajah-7571	105	36	,	,	PUNCT
iaajah-7571	105	37	the	the	DET
iaajah-7571	105	38	likelihood	likelihood	NOUN
iaajah-7571	105	39	of	of	ADP
iaajah-7571	105	40	adoption	adoption	NOUN
iaajah-7571	105	41	increases	increase	NOUN
iaajah-7571	105	42	.	.	PUNCT
iaajah-7571	106	1	conversely	conversely	ADV
iaajah-7571	106	2	,	,	PUNCT
iaajah-7571	106	3	if	if	SCONJ
iaajah-7571	106	4	the	the	DET
iaajah-7571	106	5	tool	tool	NOUN
iaajah-7571	106	6	appears	appear	VERB
iaajah-7571	106	7	complex	complex	ADJ
iaajah-7571	106	8	or	or	CCONJ
iaajah-7571	106	9	if	if	SCONJ
iaajah-7571	106	10	members	member	NOUN
iaajah-7571	106	11	do	do	AUX
iaajah-7571	106	12	not	not	PART
iaajah-7571	106	13	see	see	VERB
iaajah-7571	106	14	clear	clear	ADJ
iaajah-7571	106	15	benefits	benefit	NOUN
iaajah-7571	106	16	,	,	PUNCT
iaajah-7571	106	17	resistance	resistance	NOUN
iaajah-7571	106	18	is	be	AUX
iaajah-7571	106	19	likely	likely	ADJ
iaajah-7571	106	20	.	.	PUNCT
iaajah-7571	107	1	moreover	moreover	ADV
iaajah-7571	107	2	,	,	PUNCT
iaajah-7571	107	3	tam	tam	PROPN
iaajah-7571	107	4	has	have	AUX
iaajah-7571	107	5	been	be	AUX
iaajah-7571	107	6	expanded	expand	VERB
iaajah-7571	107	7	in	in	ADP
iaajah-7571	107	8	subsequent	subsequent	ADJ
iaajah-7571	107	9	research	research	NOUN
iaajah-7571	107	10	to	to	PART
iaajah-7571	107	11	include	include	VERB
iaajah-7571	107	12	other	other	ADJ
iaajah-7571	107	13	variables	variable	NOUN
iaajah-7571	107	14	such	such	ADJ
iaajah-7571	107	15	as	as	ADP
iaajah-7571	107	16	social	social	ADJ
iaajah-7571	107	17	influence	influence	NOUN
iaajah-7571	107	18	,	,	PUNCT
iaajah-7571	107	19	facilitating	facilitate	VERB
iaajah-7571	107	20	conditions	condition	NOUN
iaajah-7571	107	21	,	,	PUNCT
iaajah-7571	107	22	and	and	CCONJ
iaajah-7571	107	23	technological	technological	ADJ
iaajah-7571	107	24	self	self	NOUN
iaajah-7571	107	25	-	-	PUNCT
iaajah-7571	107	26	efficacy	efficacy	NOUN
iaajah-7571	107	27	(	(	PUNCT
iaajah-7571	107	28	venkatesh	venkatesh	PROPN
iaajah-7571	107	29	&	&	CCONJ
iaajah-7571	107	30	davis	davis	PROPN
iaajah-7571	107	31	,	,	PUNCT
iaajah-7571	107	32	2000	2000	NUM
iaajah-7571	107	33	)	)	PUNCT
iaajah-7571	107	34	.	.	PUNCT
iaajah-7571	108	1	igwebuike	igwebuike	NOUN
iaajah-7571	108	2	:	:	PUNCT
iaajah-7571	108	3	an	an	DET
iaajah-7571	108	4	african	african	ADJ
iaajah-7571	108	5	journal	journal	NOUN
iaajah-7571	108	6	of	of	ADP
iaajah-7571	108	7	arts	art	NOUN
iaajah-7571	108	8	and	and	CCONJ
iaajah-7571	108	9	humanities	humanity	NOUN
iaajah-7571	108	10	vol	vol	NOUN
iaajah-7571	108	11	.	.	PUNCT
iaajah-7571	109	1	11	11	NUM
iaajah-7571	109	2	.	.	PUNCT
iaajah-7571	110	1	no	no	INTJ
iaajah-7571	110	2	.	.	NOUN
iaajah-7571	110	3	7	7	NUM
iaajah-7571	110	4	,	,	PUNCT
iaajah-7571	110	5	(	(	PUNCT
iaajah-7571	110	6	2025	2025	NUM
iaajah-7571	110	7	)	)	PUNCT
iaajah-7571	110	8	issn	issn	PROPN
iaajah-7571	110	9	:	:	PUNCT
iaajah-7571	110	10	24889210	24889210	NUM
iaajah-7571	110	11	(	(	PUNCT
iaajah-7571	110	12	print	print	NOUN
iaajah-7571	110	13	)	)	PUNCT
iaajah-7571	110	14	2504	2504	NUM
iaajah-7571	110	15	-	-	SYM
iaajah-7571	110	16	9038	9038	NUM
iaajah-7571	110	17	(	(	PUNCT
iaajah-7571	110	18	online	online	NOUN
iaajah-7571	110	19	)	)	PUNCT
iaajah-7571	110	20	dept	dept	NOUN
iaajah-7571	110	21	.	.	PROPN
iaajah-7571	111	1	of	of	ADP
iaajah-7571	111	2	philosophy	philosophy	NOUN
iaajah-7571	111	3	and	and	CCONJ
iaajah-7571	111	4	religious	religious	ADJ
iaajah-7571	111	5	studies	study	NOUN
iaajah-7571	111	6	,	,	PUNCT
iaajah-7571	111	7	tansian	tansian	PROPN
iaajah-7571	111	8	university	university	PROPN
iaajah-7571	111	9	umunya	umunya	PROPN
iaajah-7571	111	10	indexed	indexed	PROPN
iaajah-7571	111	11	:	:	PUNCT
iaajah-7571	111	12	academic	academic	ADJ
iaajah-7571	111	13	journals	journal	NOUN
iaajah-7571	111	14	online	online	ADV
iaajah-7571	111	15	,	,	PUNCT
iaajah-7571	111	16	google	google	PROPN
iaajah-7571	111	17	scholar	scholar	NOUN
iaajah-7571	111	18	,	,	PUNCT
iaajah-7571	111	19	igwebuike	igwebuike	PROPN
iaajah-7571	111	20	research	research	PROPN
iaajah-7571	111	21	institute	institute	PROPN
iaajah-7571	111	22	65	65	NUM
iaajah-7571	111	23	these	these	DET
iaajah-7571	111	24	extensions	extension	NOUN
iaajah-7571	111	25	are	be	AUX
iaajah-7571	111	26	particularly	particularly	ADV
iaajah-7571	111	27	relevant	relevant	ADJ
iaajah-7571	111	28	in	in	ADP
iaajah-7571	111	29	cooperatives	cooperative	NOUN
iaajah-7571	111	30	where	where	SCONJ
iaajah-7571	111	31	peer	peer	NOUN
iaajah-7571	111	32	recommendation	recommendation	NOUN
iaajah-7571	111	33	,	,	PUNCT
iaajah-7571	111	34	leadership	leadership	NOUN
iaajah-7571	111	35	endorsement	endorsement	NOUN
iaajah-7571	111	36	,	,	PUNCT
iaajah-7571	111	37	and	and	CCONJ
iaajah-7571	111	38	access	access	NOUN
iaajah-7571	111	39	to	to	ADP
iaajah-7571	111	40	training	training	NOUN
iaajah-7571	111	41	significantly	significantly	ADV
iaajah-7571	111	42	shape	shape	NOUN
iaajah-7571	111	43	members	member	NOUN
iaajah-7571	111	44	’	'	PUNCT
iaajah-7571	111	45	willingness	willingness	NOUN
iaajah-7571	111	46	to	to	PART
iaajah-7571	111	47	engage	engage	VERB
iaajah-7571	111	48	with	with	ADP
iaajah-7571	111	49	ict	ict	PROPN
iaajah-7571	111	50	.	.	PUNCT
iaajah-7571	111	51	diffusion	diffusion	NOUN
iaajah-7571	111	52	of	of	ADP
iaajah-7571	111	53	innovations	innovation	NOUN
iaajah-7571	111	54	(	(	PUNCT
iaajah-7571	111	55	doi	doi	NOUN
iaajah-7571	111	56	)	)	PUNCT
iaajah-7571	111	57	theory	theory	NOUN
iaajah-7571	111	58	the	the	DET
iaajah-7571	111	59	second	second	ADJ
iaajah-7571	111	60	theoretical	theoretical	ADJ
iaajah-7571	111	61	lens	lens	NOUN
iaajah-7571	111	62	applied	apply	VERB
iaajah-7571	111	63	in	in	ADP
iaajah-7571	111	64	this	this	DET
iaajah-7571	111	65	chapter	chapter	NOUN
iaajah-7571	111	66	is	be	AUX
iaajah-7571	111	67	the	the	DET
iaajah-7571	111	68	diffusion	diffusion	NOUN
iaajah-7571	111	69	of	of	ADP
iaajah-7571	111	70	innovations	innovation	NOUN
iaajah-7571	111	71	theory	theory	NOUN
iaajah-7571	111	72	developed	develop	VERB
iaajah-7571	111	73	by	by	ADP
iaajah-7571	111	74	everett	everett	PROPN
iaajah-7571	111	75	rogers	rogers	PROPN
iaajah-7571	111	76	(	(	PUNCT
iaajah-7571	111	77	2003	2003	NUM
iaajah-7571	111	78	)	)	PUNCT
iaajah-7571	111	79	.	.	PUNCT
iaajah-7571	112	1	this	this	DET
iaajah-7571	112	2	theory	theory	NOUN
iaajah-7571	112	3	explains	explain	VERB
iaajah-7571	112	4	how	how	SCONJ
iaajah-7571	112	5	new	new	ADJ
iaajah-7571	112	6	ideas	idea	NOUN
iaajah-7571	112	7	,	,	PUNCT
iaajah-7571	112	8	technologies	technology	NOUN
iaajah-7571	112	9	,	,	PUNCT
iaajah-7571	112	10	or	or	CCONJ
iaajah-7571	112	11	practices	practice	NOUN
iaajah-7571	112	12	spread	spread	VERB
iaajah-7571	112	13	within	within	ADP
iaajah-7571	112	14	a	a	DET
iaajah-7571	112	15	social	social	ADJ
iaajah-7571	112	16	system	system	NOUN
iaajah-7571	112	17	over	over	ADP
iaajah-7571	112	18	time	time	NOUN
iaajah-7571	112	19	.	.	PUNCT
iaajah-7571	113	1	the	the	DET
iaajah-7571	113	2	model	model	NOUN
iaajah-7571	113	3	outlines	outline	VERB
iaajah-7571	113	4	five	five	NUM
iaajah-7571	113	5	stages	stage	NOUN
iaajah-7571	113	6	of	of	ADP
iaajah-7571	113	7	the	the	DET
iaajah-7571	113	8	innovation	innovation	NOUN
iaajah-7571	113	9	-	-	PUNCT
iaajah-7571	113	10	decision	decision	NOUN
iaajah-7571	113	11	process	process	NOUN
iaajah-7571	113	12	:	:	PUNCT
iaajah-7571	113	13	1	1	X
iaajah-7571	113	14	.	.	X
iaajah-7571	113	15	knowledge	knowledge	NOUN
iaajah-7571	113	16	:	:	PUNCT
iaajah-7571	113	17	awareness	awareness	NOUN
iaajah-7571	113	18	of	of	ADP
iaajah-7571	113	19	the	the	DET
iaajah-7571	113	20	innovation	innovation	NOUN
iaajah-7571	113	21	and	and	CCONJ
iaajah-7571	113	22	understanding	understanding	NOUN
iaajah-7571	113	23	of	of	ADP
iaajah-7571	113	24	how	how	SCONJ
iaajah-7571	113	25	it	it	PRON
iaajah-7571	113	26	functions	function	VERB
iaajah-7571	113	27	.	.	PUNCT
iaajah-7571	114	1	2	2	X
iaajah-7571	114	2	.	.	X
iaajah-7571	114	3	persuasion	persuasion	NOUN
iaajah-7571	114	4	:	:	PUNCT
iaajah-7571	114	5	forming	form	VERB
iaajah-7571	114	6	a	a	DET
iaajah-7571	114	7	favorable	favorable	ADJ
iaajah-7571	114	8	or	or	CCONJ
iaajah-7571	114	9	unfavorable	unfavorable	ADJ
iaajah-7571	114	10	attitude	attitude	NOUN
iaajah-7571	114	11	toward	toward	ADP
iaajah-7571	114	12	the	the	DET
iaajah-7571	114	13	innovation	innovation	NOUN
iaajah-7571	114	14	.	.	PUNCT
iaajah-7571	115	1	3	3	X
iaajah-7571	115	2	.	.	X
iaajah-7571	115	3	decision	decision	NOUN
iaajah-7571	115	4	:	:	PUNCT
iaajah-7571	115	5	engaging	engage	VERB
iaajah-7571	115	6	in	in	ADP
iaajah-7571	115	7	activities	activity	NOUN
iaajah-7571	115	8	that	that	PRON
iaajah-7571	115	9	lead	lead	VERB
iaajah-7571	115	10	to	to	ADP
iaajah-7571	115	11	a	a	DET
iaajah-7571	115	12	choice	choice	NOUN
iaajah-7571	115	13	to	to	PART
iaajah-7571	115	14	adopt	adopt	VERB
iaajah-7571	115	15	or	or	CCONJ
iaajah-7571	115	16	reject	reject	VERB
iaajah-7571	115	17	the	the	DET
iaajah-7571	115	18	innovation	innovation	NOUN
iaajah-7571	115	19	.	.	PUNCT
iaajah-7571	116	1	4	4	X
iaajah-7571	116	2	.	.	X
iaajah-7571	116	3	implementation	implementation	NOUN
iaajah-7571	116	4	:	:	PUNCT
iaajah-7571	116	5	putting	put	VERB
iaajah-7571	116	6	the	the	DET
iaajah-7571	116	7	innovation	innovation	NOUN
iaajah-7571	116	8	into	into	ADP
iaajah-7571	116	9	use	use	NOUN
iaajah-7571	116	10	.	.	PUNCT
iaajah-7571	117	1	5	5	X
iaajah-7571	117	2	.	.	X
iaajah-7571	117	3	confirmation	confirmation	NOUN
iaajah-7571	117	4	:	:	PUNCT
iaajah-7571	117	5	seeking	seek	VERB
iaajah-7571	117	6	reinforcement	reinforcement	NOUN
iaajah-7571	117	7	of	of	ADP
iaajah-7571	117	8	the	the	DET
iaajah-7571	117	9	adoption	adoption	NOUN
iaajah-7571	117	10	decision	decision	NOUN
iaajah-7571	117	11	and	and	CCONJ
iaajah-7571	117	12	evaluating	evaluate	VERB
iaajah-7571	117	13	outcomes	outcome	NOUN
iaajah-7571	117	14	.	.	PUNCT
iaajah-7571	118	1	rogers	roger	NOUN
iaajah-7571	118	2	identifies	identify	VERB
iaajah-7571	118	3	five	five	NUM
iaajah-7571	118	4	characteristics	characteristic	NOUN
iaajah-7571	118	5	of	of	ADP
iaajah-7571	118	6	innovations	innovation	NOUN
iaajah-7571	118	7	that	that	PRON
iaajah-7571	118	8	affect	affect	VERB
iaajah-7571	118	9	their	their	PRON
iaajah-7571	118	10	rate	rate	NOUN
iaajah-7571	118	11	of	of	ADP
iaajah-7571	118	12	adoption	adoption	NOUN
iaajah-7571	118	13	:	:	PUNCT
iaajah-7571	118	14	•	•	NUM
iaajah-7571	118	15	relative	relative	ADJ
iaajah-7571	118	16	advantage	advantage	NOUN
iaajah-7571	118	17	:	:	PUNCT
iaajah-7571	118	18	the	the	DET
iaajah-7571	118	19	degree	degree	NOUN
iaajah-7571	118	20	to	to	PART
iaajah-7571	118	21	which	which	PRON
iaajah-7571	118	22	an	an	DET
iaajah-7571	118	23	innovation	innovation	NOUN
iaajah-7571	118	24	is	be	AUX
iaajah-7571	118	25	perceived	perceive	VERB
iaajah-7571	118	26	as	as	ADP
iaajah-7571	118	27	better	well	ADJ
iaajah-7571	118	28	than	than	ADP
iaajah-7571	118	29	the	the	DET
iaajah-7571	118	30	idea	idea	NOUN
iaajah-7571	118	31	it	it	PRON
iaajah-7571	118	32	replaces	replace	VERB
iaajah-7571	118	33	.	.	PUNCT
iaajah-7571	119	1	•	•	NUM
iaajah-7571	119	2	compatibility	compatibility	NOUN
iaajah-7571	119	3	:	:	PUNCT
iaajah-7571	119	4	the	the	DET
iaajah-7571	119	5	extent	extent	NOUN
iaajah-7571	119	6	to	to	PART
iaajah-7571	119	7	which	which	PRON
iaajah-7571	119	8	the	the	DET
iaajah-7571	119	9	innovation	innovation	NOUN
iaajah-7571	119	10	is	be	AUX
iaajah-7571	119	11	consistent	consistent	ADJ
iaajah-7571	119	12	with	with	ADP
iaajah-7571	119	13	existing	exist	VERB
iaajah-7571	119	14	values	value	NOUN
iaajah-7571	119	15	,	,	PUNCT
iaajah-7571	119	16	past	past	ADJ
iaajah-7571	119	17	experiences	experience	NOUN
iaajah-7571	119	18	,	,	PUNCT
iaajah-7571	119	19	and	and	CCONJ
iaajah-7571	119	20	needs	need	NOUN
iaajah-7571	119	21	of	of	ADP
iaajah-7571	119	22	potential	potential	ADJ
iaajah-7571	119	23	adopters	adopter	NOUN
iaajah-7571	119	24	.	.	PUNCT
iaajah-7571	120	1	•	•	NUM
iaajah-7571	120	2	complexity	complexity	NOUN
iaajah-7571	120	3	:	:	PUNCT
iaajah-7571	120	4	the	the	DET
iaajah-7571	120	5	degree	degree	NOUN
iaajah-7571	120	6	to	to	PART
iaajah-7571	120	7	which	which	PRON
iaajah-7571	120	8	an	an	DET
iaajah-7571	120	9	innovation	innovation	NOUN
iaajah-7571	120	10	is	be	AUX
iaajah-7571	120	11	perceived	perceive	VERB
iaajah-7571	120	12	as	as	ADV
iaajah-7571	120	13	difficult	difficult	ADJ
iaajah-7571	120	14	to	to	PART
iaajah-7571	120	15	understand	understand	VERB
iaajah-7571	120	16	or	or	CCONJ
iaajah-7571	120	17	use	use	VERB
iaajah-7571	120	18	.	.	PUNCT
iaajah-7571	121	1	•	•	NUM
iaajah-7571	121	2	trialability	trialability	NOUN
iaajah-7571	121	3	:	:	PUNCT
iaajah-7571	121	4	the	the	DET
iaajah-7571	121	5	ability	ability	NOUN
iaajah-7571	121	6	to	to	PART
iaajah-7571	121	7	experiment	experiment	VERB
iaajah-7571	121	8	with	with	ADP
iaajah-7571	121	9	the	the	DET
iaajah-7571	121	10	innovation	innovation	NOUN
iaajah-7571	121	11	on	on	ADP
iaajah-7571	121	12	a	a	DET
iaajah-7571	121	13	limited	limited	ADJ
iaajah-7571	121	14	basis	basis	NOUN
iaajah-7571	121	15	.	.	PUNCT
iaajah-7571	122	1	•	•	NUM
iaajah-7571	122	2	observability	observability	NOUN
iaajah-7571	122	3	:	:	PUNCT
iaajah-7571	122	4	the	the	DET
iaajah-7571	122	5	extent	extent	NOUN
iaajah-7571	122	6	to	to	PART
iaajah-7571	122	7	which	which	PRON
iaajah-7571	122	8	the	the	DET
iaajah-7571	122	9	results	result	NOUN
iaajah-7571	122	10	of	of	ADP
iaajah-7571	122	11	the	the	DET
iaajah-7571	122	12	innovation	innovation	NOUN
iaajah-7571	122	13	are	be	AUX
iaajah-7571	122	14	visible	visible	ADJ
iaajah-7571	122	15	to	to	ADP
iaajah-7571	122	16	others	other	NOUN
iaajah-7571	122	17	.	.	PUNCT
iaajah-7571	123	1	doi	doi	NOUN
iaajah-7571	123	2	is	be	AUX
iaajah-7571	123	3	particularly	particularly	ADV
iaajah-7571	123	4	useful	useful	ADJ
iaajah-7571	123	5	in	in	ADP
iaajah-7571	123	6	explaining	explain	VERB
iaajah-7571	123	7	the	the	DET
iaajah-7571	123	8	gradual	gradual	ADJ
iaajah-7571	123	9	and	and	CCONJ
iaajah-7571	123	10	uneven	uneven	ADJ
iaajah-7571	123	11	spread	spread	NOUN
iaajah-7571	123	12	of	of	ADP
iaajah-7571	123	13	ict	ict	NOUN
iaajah-7571	123	14	tools	tool	NOUN
iaajah-7571	123	15	among	among	ADP
iaajah-7571	123	16	nigerian	nigerian	ADJ
iaajah-7571	123	17	cooperatives	cooperative	NOUN
iaajah-7571	123	18	.	.	PUNCT
iaajah-7571	124	1	for	for	ADP
iaajah-7571	124	2	example	example	NOUN
iaajah-7571	124	3	,	,	PUNCT
iaajah-7571	124	4	urban	urban	ADJ
iaajah-7571	124	5	cooperatives	cooperative	NOUN
iaajah-7571	124	6	with	with	ADP
iaajah-7571	124	7	younger	young	ADJ
iaajah-7571	124	8	,	,	PUNCT
iaajah-7571	124	9	tech	tech	NOUN
iaajah-7571	124	10	-	-	PUNCT
iaajah-7571	124	11	savvy	savvy	VERB
iaajah-7571	124	12	members	member	NOUN
iaajah-7571	124	13	may	may	AUX
iaajah-7571	124	14	adopt	adopt	VERB
iaajah-7571	124	15	mobile	mobile	ADJ
iaajah-7571	124	16	money	money	NOUN
iaajah-7571	124	17	apps	app	NOUN
iaajah-7571	124	18	quickly	quickly	ADV
iaajah-7571	124	19	due	due	ADP
iaajah-7571	124	20	to	to	ADP
iaajah-7571	124	21	their	their	PRON
iaajah-7571	124	22	relative	relative	ADJ
iaajah-7571	124	23	advantage	advantage	NOUN
iaajah-7571	124	24	and	and	CCONJ
iaajah-7571	124	25	compatibility	compatibility	NOUN
iaajah-7571	124	26	with	with	ADP
iaajah-7571	124	27	mobile	mobile	ADJ
iaajah-7571	124	28	lifestyles	lifestyle	NOUN
iaajah-7571	124	29	.	.	PUNCT
iaajah-7571	125	1	in	in	ADP
iaajah-7571	125	2	contrast	contrast	NOUN
iaajah-7571	125	3	,	,	PUNCT
iaajah-7571	125	4	rural	rural	ADJ
iaajah-7571	125	5	cooperatives	cooperative	NOUN
iaajah-7571	125	6	may	may	AUX
iaajah-7571	125	7	resist	resist	VERB
iaajah-7571	125	8	new	new	ADJ
iaajah-7571	125	9	tools	tool	NOUN
iaajah-7571	125	10	due	due	ADJ
iaajah-7571	125	11	to	to	ADP
iaajah-7571	125	12	complexity	complexity	NOUN
iaajah-7571	125	13	,	,	PUNCT
iaajah-7571	125	14	lack	lack	NOUN
iaajah-7571	125	15	of	of	ADP
iaajah-7571	125	16	trialability	trialability	NOUN
iaajah-7571	125	17	,	,	PUNCT
iaajah-7571	125	18	or	or	CCONJ
iaajah-7571	125	19	the	the	DET
iaajah-7571	125	20	absence	absence	NOUN
iaajah-7571	125	21	of	of	ADP
iaajah-7571	125	22	observable	observable	ADJ
iaajah-7571	125	23	success	success	NOUN
iaajah-7571	125	24	stories	story	NOUN
iaajah-7571	125	25	.	.	PUNCT
iaajah-7571	126	1	the	the	DET
iaajah-7571	126	2	role	role	NOUN
iaajah-7571	126	3	of	of	ADP
iaajah-7571	126	4	opinion	opinion	NOUN
iaajah-7571	126	5	leaders	leader	NOUN
iaajah-7571	126	6	such	such	ADJ
iaajah-7571	126	7	as	as	ADP
iaajah-7571	126	8	cooperative	cooperative	ADJ
iaajah-7571	126	9	presidents	president	NOUN
iaajah-7571	126	10	,	,	PUNCT
iaajah-7571	126	11	secretaries	secretary	NOUN
iaajah-7571	126	12	,	,	PUNCT
iaajah-7571	126	13	or	or	CCONJ
iaajah-7571	126	14	extension	extension	NOUN
iaajah-7571	126	15	agents	agent	NOUN
iaajah-7571	126	16	is	be	AUX
iaajah-7571	126	17	also	also	ADV
iaajah-7571	126	18	emphasized	emphasize	VERB
iaajah-7571	126	19	in	in	ADP
iaajah-7571	126	20	doi	doi	NOUN
iaajah-7571	126	21	theory	theory	NOUN
iaajah-7571	126	22	.	.	PUNCT
iaajah-7571	127	1	these	these	DET
iaajah-7571	127	2	individuals	individual	NOUN
iaajah-7571	127	3	often	often	ADV
iaajah-7571	127	4	influence	influence	VERB
iaajah-7571	127	5	other	other	ADJ
iaajah-7571	127	6	members	member	NOUN
iaajah-7571	127	7	by	by	ADP
iaajah-7571	127	8	modeling	model	VERB
iaajah-7571	127	9	the	the	DET
iaajah-7571	127	10	use	use	NOUN
iaajah-7571	127	11	of	of	ADP
iaajah-7571	127	12	new	new	ADJ
iaajah-7571	127	13	ict	ict	NOUN
iaajah-7571	127	14	tools	tool	NOUN
iaajah-7571	127	15	,	,	PUNCT
iaajah-7571	127	16	thereby	thereby	ADV
iaajah-7571	127	17	accelerating	accelerate	VERB
iaajah-7571	127	18	diffusion	diffusion	NOUN
iaajah-7571	127	19	within	within	ADP
iaajah-7571	127	20	the	the	DET
iaajah-7571	127	21	group	group	NOUN
iaajah-7571	127	22	.	.	PUNCT
iaajah-7571	128	1	in	in	ADP
iaajah-7571	128	2	many	many	ADJ
iaajah-7571	128	3	nigerian	nigerian	ADJ
iaajah-7571	128	4	cooperatives	cooperative	NOUN
iaajah-7571	128	5	,	,	PUNCT
iaajah-7571	128	6	change	change	VERB
iaajah-7571	128	7	agents	agent	NOUN
iaajah-7571	128	8	from	from	ADP
iaajah-7571	128	9	government	government	NOUN
iaajah-7571	128	10	or	or	CCONJ
iaajah-7571	128	11	ngos	ngo	NOUN
iaajah-7571	128	12	also	also	ADV
iaajah-7571	128	13	play	play	VERB
iaajah-7571	128	14	a	a	DET
iaajah-7571	128	15	vital	vital	ADJ
iaajah-7571	128	16	role	role	NOUN
iaajah-7571	128	17	in	in	ADP
iaajah-7571	128	18	facilitating	facilitate	VERB
iaajah-7571	128	19	ict	ict	NOUN
iaajah-7571	128	20	adoption	adoption	NOUN
iaajah-7571	128	21	by	by	ADP
iaajah-7571	128	22	providing	provide	VERB
iaajah-7571	128	23	training	training	NOUN
iaajah-7571	128	24	,	,	PUNCT
iaajah-7571	128	25	technical	technical	ADJ
iaajah-7571	128	26	support	support	NOUN
iaajah-7571	128	27	,	,	PUNCT
iaajah-7571	128	28	and	and	CCONJ
iaajah-7571	128	29	success	success	NOUN
iaajah-7571	128	30	demonstrations	demonstration	NOUN
iaajah-7571	128	31	.	.	PUNCT
iaajah-7571	129	1	relevance	relevance	NOUN
iaajah-7571	129	2	of	of	ADP
iaajah-7571	129	3	the	the	DET
iaajah-7571	129	4	theories	theory	NOUN
iaajah-7571	129	5	to	to	ADP
iaajah-7571	129	6	nigerian	nigerian	ADJ
iaajah-7571	129	7	cooperatives	cooperative	NOUN
iaajah-7571	129	8	igwebuike	igwebuike	PROPN
iaajah-7571	129	9	:	:	PUNCT
iaajah-7571	129	10	an	an	DET
iaajah-7571	129	11	african	african	ADJ
iaajah-7571	129	12	journal	journal	NOUN
iaajah-7571	129	13	of	of	ADP
iaajah-7571	129	14	arts	art	NOUN
iaajah-7571	129	15	and	and	CCONJ
iaajah-7571	129	16	humanities	humanity	NOUN
iaajah-7571	129	17	vol	vol	NOUN
iaajah-7571	129	18	.	.	PUNCT
iaajah-7571	130	1	11	11	NUM
iaajah-7571	130	2	.	.	PUNCT
iaajah-7571	131	1	no	no	INTJ
iaajah-7571	131	2	.	.	NOUN
iaajah-7571	131	3	7	7	NUM
iaajah-7571	131	4	,	,	PUNCT
iaajah-7571	131	5	(	(	PUNCT
iaajah-7571	131	6	2025	2025	NUM
iaajah-7571	131	7	)	)	PUNCT
iaajah-7571	131	8	issn	issn	PROPN
iaajah-7571	131	9	:	:	PUNCT
iaajah-7571	131	10	24889210	24889210	NUM
iaajah-7571	131	11	(	(	PUNCT
iaajah-7571	131	12	print	print	NOUN
iaajah-7571	131	13	)	)	PUNCT
iaajah-7571	131	14	2504	2504	NUM
iaajah-7571	131	15	-	-	SYM
iaajah-7571	131	16	9038	9038	NUM
iaajah-7571	131	17	(	(	PUNCT
iaajah-7571	131	18	online	online	NOUN
iaajah-7571	131	19	)	)	PUNCT
iaajah-7571	131	20	dept	dept	NOUN
iaajah-7571	131	21	.	.	PROPN
iaajah-7571	132	1	of	of	ADP
iaajah-7571	132	2	philosophy	philosophy	NOUN
iaajah-7571	132	3	and	and	CCONJ
iaajah-7571	132	4	religious	religious	ADJ
iaajah-7571	132	5	studies	study	NOUN
iaajah-7571	132	6	,	,	PUNCT
iaajah-7571	132	7	tansian	tansian	PROPN
iaajah-7571	132	8	university	university	PROPN
iaajah-7571	132	9	umunya	umunya	PROPN
iaajah-7571	132	10	indexed	indexed	PROPN
iaajah-7571	132	11	:	:	PUNCT
iaajah-7571	132	12	academic	academic	ADJ
iaajah-7571	132	13	journals	journal	NOUN
iaajah-7571	132	14	online	online	ADV
iaajah-7571	132	15	,	,	PUNCT
iaajah-7571	132	16	google	google	PROPN
iaajah-7571	132	17	scholar	scholar	NOUN
iaajah-7571	132	18	,	,	PUNCT
iaajah-7571	132	19	igwebuike	igwebuike	PROPN
iaajah-7571	132	20	research	research	PROPN
iaajah-7571	132	21	institute	institute	PROPN
iaajah-7571	132	22	66	66	NUM
iaajah-7571	132	23	together	together	ADV
iaajah-7571	132	24	,	,	PUNCT
iaajah-7571	132	25	tam	tam	PROPN
iaajah-7571	132	26	and	and	CCONJ
iaajah-7571	132	27	doi	doi	NOUN
iaajah-7571	132	28	offer	offer	NOUN
iaajah-7571	132	29	complementary	complementary	ADJ
iaajah-7571	132	30	insights	insight	NOUN
iaajah-7571	132	31	.	.	PUNCT
iaajah-7571	133	1	tam	tam	PROPN
iaajah-7571	133	2	focuses	focus	VERB
iaajah-7571	133	3	on	on	ADP
iaajah-7571	133	4	the	the	DET
iaajah-7571	133	5	individual	individual	ADJ
iaajah-7571	133	6	-	-	PUNCT
iaajah-7571	133	7	level	level	NOUN
iaajah-7571	133	8	perceptions	perception	NOUN
iaajah-7571	133	9	and	and	CCONJ
iaajah-7571	133	10	attitudes	attitude	NOUN
iaajah-7571	133	11	toward	toward	ADP
iaajah-7571	133	12	ict	ict	NOUN
iaajah-7571	133	13	tools	tool	NOUN
iaajah-7571	133	14	,	,	PUNCT
iaajah-7571	133	15	while	while	SCONJ
iaajah-7571	133	16	doi	doi	NOUN
iaajah-7571	133	17	explores	explore	VERB
iaajah-7571	133	18	the	the	DET
iaajah-7571	133	19	social	social	ADJ
iaajah-7571	133	20	and	and	CCONJ
iaajah-7571	133	21	systemic	systemic	ADJ
iaajah-7571	133	22	dynamics	dynamic	NOUN
iaajah-7571	133	23	of	of	ADP
iaajah-7571	133	24	technology	technology	NOUN
iaajah-7571	133	25	spread	spread	VERB
iaajah-7571	133	26	.	.	PUNCT
iaajah-7571	134	1	in	in	ADP
iaajah-7571	134	2	nigerian	nigerian	ADJ
iaajah-7571	134	3	cooperatives	cooperative	NOUN
iaajah-7571	134	4	,	,	PUNCT
iaajah-7571	134	5	both	both	DET
iaajah-7571	134	6	individual	individual	ADJ
iaajah-7571	134	7	beliefs	belief	NOUN
iaajah-7571	134	8	(	(	PUNCT
iaajah-7571	134	9	such	such	ADJ
iaajah-7571	134	10	as	as	ADP
iaajah-7571	134	11	ease	ease	NOUN
iaajah-7571	134	12	of	of	ADP
iaajah-7571	134	13	use	use	NOUN
iaajah-7571	134	14	)	)	PUNCT
iaajah-7571	134	15	and	and	CCONJ
iaajah-7571	134	16	collective	collective	ADJ
iaajah-7571	134	17	processes	process	NOUN
iaajah-7571	134	18	(	(	PUNCT
iaajah-7571	134	19	such	such	ADJ
iaajah-7571	134	20	as	as	ADP
iaajah-7571	134	21	leadership	leadership	NOUN
iaajah-7571	134	22	influence	influence	NOUN
iaajah-7571	134	23	and	and	CCONJ
iaajah-7571	134	24	trial	trial	NOUN
iaajah-7571	134	25	opportunities	opportunity	NOUN
iaajah-7571	134	26	)	)	PUNCT
iaajah-7571	134	27	determine	determine	VERB
iaajah-7571	134	28	whether	whether	SCONJ
iaajah-7571	134	29	an	an	DET
iaajah-7571	134	30	ict	ict	NOUN
iaajah-7571	134	31	tool	tool	NOUN
iaajah-7571	134	32	will	will	AUX
iaajah-7571	134	33	be	be	AUX
iaajah-7571	134	34	adopted	adopt	VERB
iaajah-7571	134	35	for	for	ADP
iaajah-7571	134	36	internal	internal	ADJ
iaajah-7571	134	37	communication	communication	NOUN
iaajah-7571	134	38	.	.	PUNCT
iaajah-7571	135	1	for	for	ADP
iaajah-7571	135	2	instance	instance	NOUN
iaajah-7571	135	3	,	,	PUNCT
iaajah-7571	135	4	a	a	DET
iaajah-7571	135	5	cooperative	cooperative	ADJ
iaajah-7571	135	6	member	member	NOUN
iaajah-7571	135	7	may	may	AUX
iaajah-7571	135	8	find	find	VERB
iaajah-7571	135	9	a	a	DET
iaajah-7571	135	10	mobile	mobile	ADJ
iaajah-7571	135	11	app	app	NOUN
iaajah-7571	135	12	useful	useful	ADJ
iaajah-7571	135	13	and	and	CCONJ
iaajah-7571	135	14	easy	easy	ADJ
iaajah-7571	135	15	to	to	PART
iaajah-7571	135	16	use	use	VERB
iaajah-7571	135	17	(	(	PUNCT
iaajah-7571	135	18	tam	tam	NOUN
iaajah-7571	135	19	)	)	PUNCT
iaajah-7571	135	20	,	,	PUNCT
iaajah-7571	135	21	but	but	CCONJ
iaajah-7571	135	22	still	still	ADV
iaajah-7571	135	23	not	not	PART
iaajah-7571	135	24	adopt	adopt	VERB
iaajah-7571	135	25	it	it	PRON
iaajah-7571	135	26	if	if	SCONJ
iaajah-7571	135	27	the	the	DET
iaajah-7571	135	28	rest	rest	NOUN
iaajah-7571	135	29	of	of	ADP
iaajah-7571	135	30	the	the	DET
iaajah-7571	135	31	group	group	NOUN
iaajah-7571	135	32	does	do	AUX
iaajah-7571	135	33	not	not	PART
iaajah-7571	135	34	see	see	VERB
iaajah-7571	135	35	its	its	PRON
iaajah-7571	135	36	value	value	NOUN
iaajah-7571	135	37	or	or	CCONJ
iaajah-7571	135	38	if	if	SCONJ
iaajah-7571	135	39	network	network	NOUN
iaajah-7571	135	40	connectivity	connectivity	NOUN
iaajah-7571	135	41	is	be	AUX
iaajah-7571	135	42	poor	poor	ADJ
iaajah-7571	135	43	(	(	PUNCT
iaajah-7571	135	44	doi	doi	NOUN
iaajah-7571	135	45	)	)	PUNCT
iaajah-7571	135	46	.	.	PUNCT
iaajah-7571	136	1	similarly	similarly	ADV
iaajah-7571	136	2	,	,	PUNCT
iaajah-7571	136	3	a	a	DET
iaajah-7571	136	4	tool	tool	NOUN
iaajah-7571	136	5	may	may	AUX
iaajah-7571	136	6	be	be	AUX
iaajah-7571	136	7	compatible	compatible	ADJ
iaajah-7571	136	8	and	and	CCONJ
iaajah-7571	136	9	advantageous	advantageous	ADJ
iaajah-7571	136	10	at	at	ADP
iaajah-7571	136	11	the	the	DET
iaajah-7571	136	12	organizational	organizational	ADJ
iaajah-7571	136	13	level	level	NOUN
iaajah-7571	136	14	(	(	PUNCT
iaajah-7571	136	15	doi	doi	NOUN
iaajah-7571	136	16	)	)	PUNCT
iaajah-7571	136	17	,	,	PUNCT
iaajah-7571	136	18	but	but	CCONJ
iaajah-7571	136	19	may	may	AUX
iaajah-7571	136	20	still	still	ADV
iaajah-7571	136	21	fail	fail	VERB
iaajah-7571	136	22	if	if	SCONJ
iaajah-7571	136	23	members	member	NOUN
iaajah-7571	136	24	are	be	AUX
iaajah-7571	136	25	not	not	PART
iaajah-7571	136	26	trained	train	VERB
iaajah-7571	136	27	to	to	PART
iaajah-7571	136	28	use	use	VERB
iaajah-7571	136	29	it	it	PRON
iaajah-7571	136	30	effectively	effectively	ADV
iaajah-7571	136	31	(	(	PUNCT
iaajah-7571	136	32	tam	tam	NOUN
iaajah-7571	136	33	)	)	PUNCT
iaajah-7571	136	34	.	.	PUNCT
iaajah-7571	137	1	applying	apply	VERB
iaajah-7571	137	2	these	these	DET
iaajah-7571	137	3	frameworks	framework	NOUN
iaajah-7571	137	4	to	to	ADP
iaajah-7571	137	5	nigerian	nigerian	ADJ
iaajah-7571	137	6	cooperatives	cooperative	NOUN
iaajah-7571	137	7	helps	help	VERB
iaajah-7571	137	8	to	to	PART
iaajah-7571	137	9	identify	identify	VERB
iaajah-7571	137	10	leverage	leverage	NOUN
iaajah-7571	137	11	points	point	NOUN
iaajah-7571	137	12	for	for	ADP
iaajah-7571	137	13	policy	policy	NOUN
iaajah-7571	137	14	intervention	intervention	NOUN
iaajah-7571	137	15	,	,	PUNCT
iaajah-7571	137	16	training	training	NOUN
iaajah-7571	137	17	,	,	PUNCT
iaajah-7571	137	18	and	and	CCONJ
iaajah-7571	137	19	system	system	NOUN
iaajah-7571	137	20	design	design	NOUN
iaajah-7571	137	21	.	.	PUNCT
iaajah-7571	138	1	it	it	PRON
iaajah-7571	138	2	highlights	highlight	VERB
iaajah-7571	138	3	the	the	DET
iaajah-7571	138	4	need	need	NOUN
iaajah-7571	138	5	to	to	PART
iaajah-7571	138	6	consider	consider	VERB
iaajah-7571	138	7	both	both	DET
iaajah-7571	138	8	technical	technical	ADJ
iaajah-7571	138	9	usability	usability	NOUN
iaajah-7571	138	10	and	and	CCONJ
iaajah-7571	138	11	social	social	ADJ
iaajah-7571	138	12	readiness	readiness	NOUN
iaajah-7571	138	13	when	when	SCONJ
iaajah-7571	138	14	promoting	promote	VERB
iaajah-7571	138	15	digital	digital	ADJ
iaajah-7571	138	16	communication	communication	NOUN
iaajah-7571	138	17	tools	tool	NOUN
iaajah-7571	138	18	.	.	PUNCT
iaajah-7571	139	1	4	4	X
iaajah-7571	139	2	.	.	X
iaajah-7571	139	3	ict	ict	NOUN
iaajah-7571	139	4	tools	tool	NOUN
iaajah-7571	139	5	commonly	commonly	ADV
iaajah-7571	139	6	used	use	VERB
iaajah-7571	139	7	in	in	ADP
iaajah-7571	139	8	nigerian	nigerian	ADJ
iaajah-7571	139	9	cooperatives	cooperative	NOUN
iaajah-7571	139	10	the	the	DET
iaajah-7571	139	11	adoption	adoption	NOUN
iaajah-7571	139	12	of	of	ADP
iaajah-7571	139	13	information	information	NOUN
iaajah-7571	139	14	and	and	CCONJ
iaajah-7571	139	15	communication	communication	NOUN
iaajah-7571	139	16	technology	technology	NOUN
iaajah-7571	139	17	(	(	PUNCT
iaajah-7571	139	18	ict	ict	NOUN
iaajah-7571	139	19	)	)	PUNCT
iaajah-7571	139	20	tools	tool	NOUN
iaajah-7571	139	21	by	by	ADP
iaajah-7571	139	22	cooperative	cooperative	ADJ
iaajah-7571	139	23	societies	society	NOUN
iaajah-7571	139	24	in	in	ADP
iaajah-7571	139	25	nigeria	nigeria	PROPN
iaajah-7571	139	26	is	be	AUX
iaajah-7571	139	27	growing	grow	VERB
iaajah-7571	139	28	,	,	PUNCT
iaajah-7571	139	29	although	although	SCONJ
iaajah-7571	139	30	it	it	PRON
iaajah-7571	139	31	varies	vary	VERB
iaajah-7571	139	32	significantly	significantly	ADV
iaajah-7571	139	33	based	base	VERB
iaajah-7571	139	34	on	on	ADP
iaajah-7571	139	35	location	location	NOUN
iaajah-7571	139	36	,	,	PUNCT
iaajah-7571	139	37	organizational	organizational	ADJ
iaajah-7571	139	38	structure	structure	NOUN
iaajah-7571	139	39	,	,	PUNCT
iaajah-7571	139	40	digital	digital	ADJ
iaajah-7571	139	41	literacy	literacy	NOUN
iaajah-7571	139	42	,	,	PUNCT
iaajah-7571	139	43	and	and	CCONJ
iaajah-7571	139	44	leadership	leadership	NOUN
iaajah-7571	139	45	vision	vision	NOUN
iaajah-7571	139	46	.	.	PUNCT
iaajah-7571	140	1	internal	internal	ADJ
iaajah-7571	140	2	communication	communication	NOUN
iaajah-7571	140	3	within	within	ADP
iaajah-7571	140	4	cooperatives	cooperative	NOUN
iaajah-7571	140	5	refers	refer	VERB
iaajah-7571	140	6	to	to	ADP
iaajah-7571	140	7	the	the	DET
iaajah-7571	140	8	sharing	sharing	NOUN
iaajah-7571	140	9	of	of	ADP
iaajah-7571	140	10	information	information	NOUN
iaajah-7571	140	11	,	,	PUNCT
iaajah-7571	140	12	updates	update	NOUN
iaajah-7571	140	13	,	,	PUNCT
iaajah-7571	140	14	instructions	instruction	NOUN
iaajah-7571	140	15	,	,	PUNCT
iaajah-7571	140	16	and	and	CCONJ
iaajah-7571	140	17	feedback	feedback	NOUN
iaajah-7571	140	18	among	among	ADP
iaajah-7571	140	19	members	member	NOUN
iaajah-7571	140	20	,	,	PUNCT
iaajah-7571	140	21	executives	executive	NOUN
iaajah-7571	140	22	,	,	PUNCT
iaajah-7571	140	23	and	and	CCONJ
iaajah-7571	140	24	subcommittees	subcommittee	NOUN
iaajah-7571	140	25	.	.	PUNCT
iaajah-7571	141	1	the	the	DET
iaajah-7571	141	2	ict	ict	NOUN
iaajah-7571	141	3	tools	tool	NOUN
iaajah-7571	141	4	adopted	adopt	VERB
iaajah-7571	141	5	for	for	ADP
iaajah-7571	141	6	this	this	DET
iaajah-7571	141	7	purpose	purpose	NOUN
iaajah-7571	141	8	range	range	NOUN
iaajah-7571	141	9	from	from	ADP
iaajah-7571	141	10	basic	basic	ADJ
iaajah-7571	141	11	mobile	mobile	ADJ
iaajah-7571	141	12	phones	phone	NOUN
iaajah-7571	141	13	to	to	ADP
iaajah-7571	141	14	sophisticated	sophisticated	ADJ
iaajah-7571	141	15	management	management	NOUN
iaajah-7571	141	16	software	software	NOUN
iaajah-7571	141	17	.	.	PUNCT
iaajah-7571	142	1	this	this	DET
iaajah-7571	142	2	section	section	NOUN
iaajah-7571	142	3	explores	explore	VERB
iaajah-7571	142	4	the	the	DET
iaajah-7571	142	5	major	major	ADJ
iaajah-7571	142	6	ict	ict	NOUN
iaajah-7571	142	7	tools	tool	NOUN
iaajah-7571	142	8	currently	currently	ADV
iaajah-7571	142	9	in	in	ADP
iaajah-7571	142	10	use	use	NOUN
iaajah-7571	142	11	among	among	ADP
iaajah-7571	142	12	nigerian	nigerian	ADJ
iaajah-7571	142	13	cooperatives	cooperative	NOUN
iaajah-7571	142	14	,	,	PUNCT
iaajah-7571	142	15	their	their	PRON
iaajah-7571	142	16	purposes	purpose	NOUN
iaajah-7571	142	17	,	,	PUNCT
iaajah-7571	142	18	accessibility	accessibility	NOUN
iaajah-7571	142	19	,	,	PUNCT
iaajah-7571	142	20	and	and	CCONJ
iaajah-7571	142	21	limitations	limitation	NOUN
iaajah-7571	142	22	.	.	PUNCT
iaajah-7571	143	1	mobile	mobile	ADJ
iaajah-7571	143	2	phones	phone	NOUN
iaajah-7571	143	3	(	(	PUNCT
iaajah-7571	143	4	calls	call	NOUN
iaajah-7571	143	5	and	and	CCONJ
iaajah-7571	143	6	sms	sm	NOUN
iaajah-7571	143	7	)	)	PUNCT
iaajah-7571	143	8	the	the	DET
iaajah-7571	143	9	most	most	ADV
iaajah-7571	143	10	widely	widely	ADV
iaajah-7571	143	11	used	use	VERB
iaajah-7571	143	12	ict	ict	NOUN
iaajah-7571	143	13	tool	tool	NOUN
iaajah-7571	143	14	in	in	ADP
iaajah-7571	143	15	nigerian	nigerian	ADJ
iaajah-7571	143	16	cooperatives	cooperative	NOUN
iaajah-7571	143	17	is	be	AUX
iaajah-7571	143	18	the	the	DET
iaajah-7571	143	19	mobile	mobile	ADJ
iaajah-7571	143	20	phone	phone	NOUN
iaajah-7571	143	21	.	.	PUNCT
iaajah-7571	144	1	due	due	ADP
iaajah-7571	144	2	to	to	ADP
iaajah-7571	144	3	its	its	PRON
iaajah-7571	144	4	affordability	affordability	NOUN
iaajah-7571	144	5	and	and	CCONJ
iaajah-7571	144	6	ubiquity	ubiquity	NOUN
iaajah-7571	144	7	,	,	PUNCT
iaajah-7571	144	8	mobile	mobile	ADJ
iaajah-7571	144	9	telephony	telephony	NOUN
iaajah-7571	144	10	through	through	ADP
iaajah-7571	144	11	both	both	DET
iaajah-7571	144	12	voice	voice	NOUN
iaajah-7571	144	13	calls	call	NOUN
iaajah-7571	144	14	and	and	CCONJ
iaajah-7571	144	15	short	short	ADJ
iaajah-7571	144	16	message	message	NOUN
iaajah-7571	144	17	service	service	NOUN
iaajah-7571	144	18	(	(	PUNCT
iaajah-7571	144	19	sms	sms	PROPN
iaajah-7571	144	20	)	)	PUNCT
iaajah-7571	144	21	serves	serve	VERB
iaajah-7571	144	22	as	as	ADP
iaajah-7571	144	23	a	a	DET
iaajah-7571	144	24	foundational	foundational	ADJ
iaajah-7571	144	25	tool	tool	NOUN
iaajah-7571	144	26	for	for	ADP
iaajah-7571	144	27	internal	internal	ADJ
iaajah-7571	144	28	communication	communication	NOUN
iaajah-7571	144	29	.	.	PUNCT
iaajah-7571	145	1	it	it	PRON
iaajah-7571	145	2	enables	enable	VERB
iaajah-7571	145	3	cooperative	cooperative	ADJ
iaajah-7571	145	4	leaders	leader	NOUN
iaajah-7571	145	5	to	to	PART
iaajah-7571	145	6	communicate	communicate	VERB
iaajah-7571	145	7	meeting	meeting	NOUN
iaajah-7571	145	8	reminders	reminder	NOUN
iaajah-7571	145	9	,	,	PUNCT
iaajah-7571	145	10	loan	loan	NOUN
iaajah-7571	145	11	repayment	repayment	NOUN
iaajah-7571	145	12	schedules	schedule	NOUN
iaajah-7571	145	13	,	,	PUNCT
iaajah-7571	145	14	or	or	CCONJ
iaajah-7571	145	15	emergency	emergency	NOUN
iaajah-7571	145	16	updates	update	NOUN
iaajah-7571	145	17	to	to	ADP
iaajah-7571	145	18	members	member	NOUN
iaajah-7571	145	19	who	who	PRON
iaajah-7571	145	20	may	may	AUX
iaajah-7571	145	21	live	live	VERB
iaajah-7571	145	22	in	in	ADP
iaajah-7571	145	23	remote	remote	ADJ
iaajah-7571	145	24	areas	area	NOUN
iaajah-7571	145	25	.	.	PUNCT
iaajah-7571	146	1	according	accord	VERB
iaajah-7571	146	2	to	to	ADP
iaajah-7571	146	3	the	the	DET
iaajah-7571	146	4	nigerian	nigerian	ADJ
iaajah-7571	146	5	communications	communication	NOUN
iaajah-7571	146	6	commission	commission	PROPN
iaajah-7571	146	7	(	(	PUNCT
iaajah-7571	146	8	ncc	ncc	PROPN
iaajah-7571	146	9	,	,	PUNCT
iaajah-7571	146	10	2023	2023	NUM
iaajah-7571	146	11	)	)	PUNCT
iaajah-7571	146	12	,	,	PUNCT
iaajah-7571	146	13	nigeria	nigeria	PROPN
iaajah-7571	146	14	has	have	VERB
iaajah-7571	146	15	over	over	ADP
iaajah-7571	146	16	200	200	NUM
iaajah-7571	146	17	million	million	NUM
iaajah-7571	146	18	active	active	ADJ
iaajah-7571	146	19	mobile	mobile	ADJ
iaajah-7571	146	20	subscriptions	subscription	NOUN
iaajah-7571	146	21	,	,	PUNCT
iaajah-7571	146	22	indicating	indicate	VERB
iaajah-7571	146	23	deep	deep	ADJ
iaajah-7571	146	24	mobile	mobile	ADJ
iaajah-7571	146	25	penetration	penetration	NOUN
iaajah-7571	146	26	even	even	ADV
iaajah-7571	146	27	in	in	ADP
iaajah-7571	146	28	rural	rural	ADJ
iaajah-7571	146	29	communities	community	NOUN
iaajah-7571	146	30	.	.	PUNCT
iaajah-7571	147	1	cooperatives	cooperative	NOUN
iaajah-7571	147	2	often	often	ADV
iaajah-7571	147	3	maintain	maintain	VERB
iaajah-7571	147	4	a	a	DET
iaajah-7571	147	5	list	list	NOUN
iaajah-7571	147	6	of	of	ADP
iaajah-7571	147	7	members	member	NOUN
iaajah-7571	147	8	’	’	PART
iaajah-7571	147	9	phone	phone	NOUN
iaajah-7571	147	10	numbers	number	NOUN
iaajah-7571	147	11	and	and	CCONJ
iaajah-7571	147	12	rely	rely	VERB
iaajah-7571	147	13	on	on	ADP
iaajah-7571	147	14	direct	direct	ADJ
iaajah-7571	147	15	calls	call	NOUN
iaajah-7571	147	16	or	or	CCONJ
iaajah-7571	147	17	group	group	NOUN
iaajah-7571	147	18	sms	sms	NOUN
iaajah-7571	147	19	blasts	blast	NOUN
iaajah-7571	147	20	for	for	ADP
iaajah-7571	147	21	mobilization	mobilization	NOUN
iaajah-7571	147	22	.	.	PUNCT
iaajah-7571	148	1	while	while	SCONJ
iaajah-7571	148	2	sms	sms	NOUN
iaajah-7571	148	3	is	be	AUX
iaajah-7571	148	4	less	less	ADV
iaajah-7571	148	5	interactive	interactive	ADJ
iaajah-7571	148	6	than	than	ADP
iaajah-7571	148	7	other	other	ADJ
iaajah-7571	148	8	platforms	platform	NOUN
iaajah-7571	148	9	,	,	PUNCT
iaajah-7571	148	10	it	it	PRON
iaajah-7571	148	11	is	be	AUX
iaajah-7571	148	12	accessible	accessible	ADJ
iaajah-7571	148	13	on	on	ADP
iaajah-7571	148	14	all	all	DET
iaajah-7571	148	15	phone	phone	NOUN
iaajah-7571	148	16	types	type	NOUN
iaajah-7571	148	17	and	and	CCONJ
iaajah-7571	148	18	does	do	AUX
iaajah-7571	148	19	not	not	PART
iaajah-7571	148	20	require	require	VERB
iaajah-7571	148	21	internet	internet	NOUN
iaajah-7571	148	22	access	access	NOUN
iaajah-7571	148	23	,	,	PUNCT
iaajah-7571	148	24	making	make	VERB
iaajah-7571	148	25	it	it	PRON
iaajah-7571	148	26	ideal	ideal	ADJ
iaajah-7571	148	27	for	for	ADP
iaajah-7571	148	28	cooperatives	cooperative	NOUN
iaajah-7571	148	29	with	with	ADP
iaajah-7571	148	30	lowincome	lowincome	NOUN
iaajah-7571	148	31	or	or	CCONJ
iaajah-7571	148	32	elderly	elderly	ADJ
iaajah-7571	148	33	members	member	NOUN
iaajah-7571	148	34	.	.	PUNCT
iaajah-7571	149	1	however	however	ADV
iaajah-7571	149	2	,	,	PUNCT
iaajah-7571	149	3	challenges	challenge	NOUN
iaajah-7571	149	4	with	with	ADP
iaajah-7571	149	5	this	this	DET
iaajah-7571	149	6	method	method	NOUN
iaajah-7571	149	7	include	include	VERB
iaajah-7571	149	8	the	the	DET
iaajah-7571	149	9	cost	cost	NOUN
iaajah-7571	149	10	of	of	ADP
iaajah-7571	149	11	bulk	bulk	ADJ
iaajah-7571	149	12	sms	sms	NOUN
iaajah-7571	149	13	services	service	NOUN
iaajah-7571	149	14	,	,	PUNCT
iaajah-7571	149	15	limitations	limitation	NOUN
iaajah-7571	149	16	in	in	ADP
iaajah-7571	149	17	message	message	NOUN
iaajah-7571	149	18	length	length	NOUN
iaajah-7571	149	19	,	,	PUNCT
iaajah-7571	149	20	and	and	CCONJ
iaajah-7571	149	21	the	the	DET
iaajah-7571	149	22	lack	lack	NOUN
iaajah-7571	149	23	of	of	ADP
iaajah-7571	149	24	engagement	engagement	NOUN
iaajah-7571	149	25	features	feature	NOUN
iaajah-7571	149	26	that	that	PRON
iaajah-7571	149	27	support	support	VERB
iaajah-7571	149	28	two	two	NUM
iaajah-7571	149	29	-	-	PUNCT
iaajah-7571	149	30	way	way	NOUN
iaajah-7571	149	31	communication	communication	NOUN
iaajah-7571	149	32	or	or	CCONJ
iaajah-7571	149	33	media	medium	NOUN
iaajah-7571	149	34	sharing	sharing	NOUN
iaajah-7571	149	35	.	.	PUNCT
iaajah-7571	150	1	whatsapp	whatsapp	NOUN
iaajah-7571	150	2	and	and	CCONJ
iaajah-7571	150	3	other	other	ADJ
iaajah-7571	150	4	messaging	messaging	NOUN
iaajah-7571	150	5	apps	app	NOUN
iaajah-7571	150	6	igwebuike	igwebuike	NOUN
iaajah-7571	150	7	:	:	PUNCT
iaajah-7571	150	8	an	an	DET
iaajah-7571	150	9	african	african	ADJ
iaajah-7571	150	10	journal	journal	NOUN
iaajah-7571	150	11	of	of	ADP
iaajah-7571	150	12	arts	art	NOUN
iaajah-7571	150	13	and	and	CCONJ
iaajah-7571	150	14	humanities	humanity	NOUN
iaajah-7571	150	15	vol	vol	NOUN
iaajah-7571	150	16	.	.	PUNCT
iaajah-7571	151	1	11	11	NUM
iaajah-7571	151	2	.	.	PUNCT
iaajah-7571	152	1	no	no	INTJ
iaajah-7571	152	2	.	.	NOUN
iaajah-7571	152	3	7	7	NUM
iaajah-7571	152	4	,	,	PUNCT
iaajah-7571	152	5	(	(	PUNCT
iaajah-7571	152	6	2025	2025	NUM
iaajah-7571	152	7	)	)	PUNCT
iaajah-7571	152	8	issn	issn	PROPN
iaajah-7571	152	9	:	:	PUNCT
iaajah-7571	152	10	24889210	24889210	NUM
iaajah-7571	152	11	(	(	PUNCT
iaajah-7571	152	12	print	print	NOUN
iaajah-7571	152	13	)	)	PUNCT
iaajah-7571	152	14	2504	2504	NUM
iaajah-7571	152	15	-	-	SYM
iaajah-7571	152	16	9038	9038	NUM
iaajah-7571	152	17	(	(	PUNCT
iaajah-7571	152	18	online	online	NOUN
iaajah-7571	152	19	)	)	PUNCT
iaajah-7571	152	20	dept	dept	NOUN
iaajah-7571	152	21	.	.	PROPN
iaajah-7571	153	1	of	of	ADP
iaajah-7571	153	2	philosophy	philosophy	NOUN
iaajah-7571	153	3	and	and	CCONJ
iaajah-7571	153	4	religious	religious	ADJ
iaajah-7571	153	5	studies	study	NOUN
iaajah-7571	153	6	,	,	PUNCT
iaajah-7571	153	7	tansian	tansian	PROPN
iaajah-7571	153	8	university	university	PROPN
iaajah-7571	153	9	umunya	umunya	PROPN
iaajah-7571	153	10	indexed	indexed	PROPN
iaajah-7571	153	11	:	:	PUNCT
iaajah-7571	153	12	academic	academic	ADJ
iaajah-7571	153	13	journals	journal	NOUN
iaajah-7571	153	14	online	online	ADV
iaajah-7571	153	15	,	,	PUNCT
iaajah-7571	153	16	google	google	PROPN
iaajah-7571	153	17	scholar	scholar	NOUN
iaajah-7571	153	18	,	,	PUNCT
iaajah-7571	153	19	igwebuike	igwebuike	PROPN
iaajah-7571	153	20	research	research	PROPN
iaajah-7571	153	21	institute	institute	PROPN
iaajah-7571	153	22	67	67	NUM
iaajah-7571	153	23	whatsapp	whatsapp	PROPN
iaajah-7571	153	24	has	have	AUX
iaajah-7571	153	25	rapidly	rapidly	ADV
iaajah-7571	153	26	become	become	VERB
iaajah-7571	153	27	one	one	NUM
iaajah-7571	153	28	of	of	ADP
iaajah-7571	153	29	the	the	DET
iaajah-7571	153	30	most	most	ADV
iaajah-7571	153	31	popular	popular	ADJ
iaajah-7571	153	32	platforms	platform	NOUN
iaajah-7571	153	33	for	for	ADP
iaajah-7571	153	34	cooperative	cooperative	ADJ
iaajah-7571	153	35	communication	communication	NOUN
iaajah-7571	153	36	.	.	PUNCT
iaajah-7571	154	1	it	it	PRON
iaajah-7571	154	2	supports	support	VERB
iaajah-7571	154	3	both	both	CCONJ
iaajah-7571	154	4	real	real	ADJ
iaajah-7571	154	5	-	-	PUNCT
iaajah-7571	154	6	time	time	NOUN
iaajah-7571	154	7	chat	chat	NOUN
iaajah-7571	154	8	and	and	CCONJ
iaajah-7571	154	9	asynchronous	asynchronous	ADJ
iaajah-7571	154	10	communication	communication	NOUN
iaajah-7571	154	11	,	,	PUNCT
iaajah-7571	154	12	allowing	allow	VERB
iaajah-7571	154	13	members	member	NOUN
iaajah-7571	154	14	to	to	PART
iaajah-7571	154	15	send	send	VERB
iaajah-7571	154	16	and	and	CCONJ
iaajah-7571	154	17	receive	receive	VERB
iaajah-7571	154	18	messages	message	NOUN
iaajah-7571	154	19	,	,	PUNCT
iaajah-7571	154	20	documents	document	NOUN
iaajah-7571	154	21	,	,	PUNCT
iaajah-7571	154	22	voice	voice	NOUN
iaajah-7571	154	23	notes	note	NOUN
iaajah-7571	154	24	,	,	PUNCT
iaajah-7571	154	25	and	and	CCONJ
iaajah-7571	154	26	images	image	NOUN
iaajah-7571	154	27	at	at	ADP
iaajah-7571	154	28	their	their	PRON
iaajah-7571	154	29	convenience	convenience	NOUN
iaajah-7571	154	30	.	.	PUNCT
iaajah-7571	155	1	whatsapp	whatsapp	NOUN
iaajah-7571	155	2	groups	group	NOUN
iaajah-7571	155	3	are	be	AUX
iaajah-7571	155	4	used	use	VERB
iaajah-7571	155	5	for	for	ADP
iaajah-7571	155	6	multiple	multiple	ADJ
iaajah-7571	155	7	purposes	purpose	NOUN
iaajah-7571	155	8	:	:	PUNCT
iaajah-7571	155	9	distributing	distribute	VERB
iaajah-7571	155	10	minutes	minute	NOUN
iaajah-7571	155	11	of	of	ADP
iaajah-7571	155	12	meetings	meeting	NOUN
iaajah-7571	155	13	,	,	PUNCT
iaajah-7571	155	14	coordinating	coordinate	VERB
iaajah-7571	155	15	loan	loan	NOUN
iaajah-7571	155	16	disbursement	disbursement	NOUN
iaajah-7571	155	17	updates	update	NOUN
iaajah-7571	155	18	,	,	PUNCT
iaajah-7571	155	19	sharing	share	VERB
iaajah-7571	155	20	government	government	NOUN
iaajah-7571	155	21	policy	policy	NOUN
iaajah-7571	155	22	changes	change	NOUN
iaajah-7571	155	23	,	,	PUNCT
iaajah-7571	155	24	and	and	CCONJ
iaajah-7571	155	25	posting	post	VERB
iaajah-7571	155	26	reminders	reminder	NOUN
iaajah-7571	155	27	.	.	PUNCT
iaajah-7571	156	1	the	the	DET
iaajah-7571	156	2	platform	platform	NOUN
iaajah-7571	156	3	’s	’s	PART
iaajah-7571	156	4	end	end	NOUN
iaajah-7571	156	5	-	-	PUNCT
iaajah-7571	156	6	to	to	ADP
iaajah-7571	156	7	-	-	PUNCT
iaajah-7571	156	8	end	end	NOUN
iaajah-7571	156	9	encryption	encryption	NOUN
iaajah-7571	156	10	and	and	CCONJ
iaajah-7571	156	11	wide	wide	ADJ
iaajah-7571	156	12	adoption	adoption	NOUN
iaajah-7571	156	13	among	among	ADP
iaajah-7571	156	14	smartphone	smartphone	NOUN
iaajah-7571	156	15	users	user	NOUN
iaajah-7571	156	16	make	make	VERB
iaajah-7571	156	17	it	it	PRON
iaajah-7571	156	18	a	a	DET
iaajah-7571	156	19	preferred	preferred	ADJ
iaajah-7571	156	20	tool	tool	NOUN
iaajah-7571	156	21	,	,	PUNCT
iaajah-7571	156	22	especially	especially	ADV
iaajah-7571	156	23	in	in	ADP
iaajah-7571	156	24	urban	urban	ADJ
iaajah-7571	156	25	and	and	CCONJ
iaajah-7571	156	26	semi	semi	ADJ
iaajah-7571	156	27	-	-	ADJ
iaajah-7571	156	28	urban	urban	ADJ
iaajah-7571	156	29	cooperatives	cooperative	NOUN
iaajah-7571	156	30	.	.	PUNCT
iaajah-7571	157	1	some	some	DET
iaajah-7571	157	2	cooperatives	cooperative	NOUN
iaajah-7571	157	3	even	even	ADV
iaajah-7571	157	4	create	create	VERB
iaajah-7571	157	5	separate	separate	ADJ
iaajah-7571	157	6	whatsapp	whatsapp	NOUN
iaajah-7571	157	7	groups	group	NOUN
iaajah-7571	157	8	for	for	ADP
iaajah-7571	157	9	executive	executive	ADJ
iaajah-7571	157	10	members	member	NOUN
iaajah-7571	157	11	,	,	PUNCT
iaajah-7571	157	12	loan	loan	NOUN
iaajah-7571	157	13	officers	officer	NOUN
iaajah-7571	157	14	,	,	PUNCT
iaajah-7571	157	15	and	and	CCONJ
iaajah-7571	157	16	general	general	ADJ
iaajah-7571	157	17	members	member	NOUN
iaajah-7571	157	18	to	to	PART
iaajah-7571	157	19	streamline	streamline	VERB
iaajah-7571	157	20	communication	communication	NOUN
iaajah-7571	157	21	.	.	PUNCT
iaajah-7571	158	1	telegram	telegram	NOUN
iaajah-7571	158	2	and	and	CCONJ
iaajah-7571	158	3	facebook	facebook	PROPN
iaajah-7571	158	4	messenger	messenger	PROPN
iaajah-7571	158	5	are	be	AUX
iaajah-7571	158	6	also	also	ADV
iaajah-7571	158	7	used	use	VERB
iaajah-7571	158	8	in	in	ADP
iaajah-7571	158	9	a	a	DET
iaajah-7571	158	10	few	few	ADJ
iaajah-7571	158	11	cases	case	NOUN
iaajah-7571	158	12	,	,	PUNCT
iaajah-7571	158	13	particularly	particularly	ADV
iaajah-7571	158	14	where	where	SCONJ
iaajah-7571	158	15	members	member	NOUN
iaajah-7571	158	16	prefer	prefer	VERB
iaajah-7571	158	17	those	those	DET
iaajah-7571	158	18	platforms	platform	NOUN
iaajah-7571	158	19	or	or	CCONJ
iaajah-7571	158	20	where	where	SCONJ
iaajah-7571	158	21	more	more	ADJ
iaajah-7571	158	22	structured	structured	ADJ
iaajah-7571	158	23	channels	channel	NOUN
iaajah-7571	158	24	(	(	PUNCT
iaajah-7571	158	25	e.g.	e.g.	ADV
iaajah-7571	158	26	,	,	PUNCT
iaajah-7571	158	27	telegram	telegram	NOUN
iaajah-7571	158	28	channels	channel	NOUN
iaajah-7571	158	29	)	)	PUNCT
iaajah-7571	158	30	are	be	AUX
iaajah-7571	158	31	needed	need	VERB
iaajah-7571	158	32	.	.	PUNCT
iaajah-7571	159	1	nevertheless	nevertheless	ADV
iaajah-7571	159	2	,	,	PUNCT
iaajah-7571	159	3	the	the	DET
iaajah-7571	159	4	effectiveness	effectiveness	NOUN
iaajah-7571	159	5	of	of	ADP
iaajah-7571	159	6	these	these	DET
iaajah-7571	159	7	apps	app	NOUN
iaajah-7571	159	8	is	be	AUX
iaajah-7571	159	9	tied	tie	VERB
iaajah-7571	159	10	to	to	ADP
iaajah-7571	159	11	internet	internet	NOUN
iaajah-7571	159	12	access	access	NOUN
iaajah-7571	159	13	,	,	PUNCT
iaajah-7571	159	14	data	data	NOUN
iaajah-7571	159	15	affordability	affordability	NOUN
iaajah-7571	159	16	,	,	PUNCT
iaajah-7571	159	17	and	and	CCONJ
iaajah-7571	159	18	smartphone	smartphone	NOUN
iaajah-7571	159	19	ownership	ownership	NOUN
iaajah-7571	159	20	,	,	PUNCT
iaajah-7571	159	21	which	which	PRON
iaajah-7571	159	22	remain	remain	VERB
iaajah-7571	159	23	limitations	limitation	NOUN
iaajah-7571	159	24	in	in	ADP
iaajah-7571	159	25	rural	rural	ADJ
iaajah-7571	159	26	settings	setting	NOUN
iaajah-7571	159	27	(	(	PUNCT
iaajah-7571	159	28	gsma	gsma	NOUN
iaajah-7571	159	29	,	,	PUNCT
iaajah-7571	159	30	2022	2022	NUM
iaajah-7571	159	31	)	)	PUNCT
iaajah-7571	159	32	.	.	PUNCT
iaajah-7571	160	1	email	email	NOUN
iaajah-7571	160	2	communication	communication	NOUN
iaajah-7571	160	3	email	email	NOUN
iaajah-7571	160	4	remains	remain	VERB
iaajah-7571	160	5	a	a	DET
iaajah-7571	160	6	relevant	relevant	ADJ
iaajah-7571	160	7	but	but	CCONJ
iaajah-7571	160	8	underutilized	underutilized	ADJ
iaajah-7571	160	9	tool	tool	NOUN
iaajah-7571	160	10	in	in	ADP
iaajah-7571	160	11	most	most	ADJ
iaajah-7571	160	12	grassroots	grassroots	ADJ
iaajah-7571	160	13	cooperatives	cooperative	NOUN
iaajah-7571	160	14	in	in	ADP
iaajah-7571	160	15	nigeria	nigeria	PROPN
iaajah-7571	160	16	.	.	PUNCT
iaajah-7571	161	1	it	it	PRON
iaajah-7571	161	2	is	be	AUX
iaajah-7571	161	3	more	more	ADV
iaajah-7571	161	4	common	common	ADJ
iaajah-7571	161	5	in	in	ADP
iaajah-7571	161	6	professionally	professionally	ADV
iaajah-7571	161	7	run	run	VERB
iaajah-7571	161	8	cooperatives	cooperative	NOUN
iaajah-7571	161	9	,	,	PUNCT
iaajah-7571	161	10	such	such	ADJ
iaajah-7571	161	11	as	as	ADP
iaajah-7571	161	12	those	those	PRON
iaajah-7571	161	13	formed	form	VERB
iaajah-7571	161	14	by	by	ADP
iaajah-7571	161	15	civil	civil	ADJ
iaajah-7571	161	16	servants	servant	NOUN
iaajah-7571	161	17	,	,	PUNCT
iaajah-7571	161	18	academic	academic	ADJ
iaajah-7571	161	19	institutions	institution	NOUN
iaajah-7571	161	20	,	,	PUNCT
iaajah-7571	161	21	or	or	CCONJ
iaajah-7571	161	22	large	large	ADJ
iaajah-7571	161	23	trade	trade	NOUN
iaajah-7571	161	24	associations	association	NOUN
iaajah-7571	161	25	.	.	PUNCT
iaajah-7571	162	1	email	email	NOUN
iaajah-7571	162	2	is	be	AUX
iaajah-7571	162	3	valued	value	VERB
iaajah-7571	162	4	for	for	ADP
iaajah-7571	162	5	its	its	PRON
iaajah-7571	162	6	formal	formal	ADJ
iaajah-7571	162	7	tone	tone	NOUN
iaajah-7571	162	8	,	,	PUNCT
iaajah-7571	162	9	document	document	NOUN
iaajah-7571	162	10	storage	storage	NOUN
iaajah-7571	162	11	capabilities	capability	NOUN
iaajah-7571	162	12	,	,	PUNCT
iaajah-7571	162	13	and	and	CCONJ
iaajah-7571	162	14	traceability	traceability	NOUN
iaajah-7571	162	15	.	.	PUNCT
iaajah-7571	163	1	it	it	PRON
iaajah-7571	163	2	is	be	AUX
iaajah-7571	163	3	used	use	VERB
iaajah-7571	163	4	to	to	PART
iaajah-7571	163	5	send	send	VERB
iaajah-7571	163	6	official	official	ADJ
iaajah-7571	163	7	notices	notice	NOUN
iaajah-7571	163	8	,	,	PUNCT
iaajah-7571	163	9	loan	loan	NOUN
iaajah-7571	163	10	agreements	agreement	NOUN
iaajah-7571	163	11	,	,	PUNCT
iaajah-7571	163	12	financial	financial	ADJ
iaajah-7571	163	13	reports	report	NOUN
iaajah-7571	163	14	,	,	PUNCT
iaajah-7571	163	15	and	and	CCONJ
iaajah-7571	163	16	policy	policy	NOUN
iaajah-7571	163	17	documents	document	NOUN
iaajah-7571	163	18	.	.	PUNCT
iaajah-7571	164	1	however	however	ADV
iaajah-7571	164	2	,	,	PUNCT
iaajah-7571	164	3	for	for	ADP
iaajah-7571	164	4	most	most	ADJ
iaajah-7571	164	5	rural	rural	ADJ
iaajah-7571	164	6	cooperatives	cooperative	NOUN
iaajah-7571	164	7	with	with	ADP
iaajah-7571	164	8	low	low	ADJ
iaajah-7571	164	9	literacy	literacy	NOUN
iaajah-7571	164	10	levels	level	NOUN
iaajah-7571	164	11	or	or	CCONJ
iaajah-7571	164	12	limited	limited	ADJ
iaajah-7571	164	13	access	access	NOUN
iaajah-7571	164	14	to	to	ADP
iaajah-7571	164	15	computers	computer	NOUN
iaajah-7571	164	16	and	and	CCONJ
iaajah-7571	164	17	internet	internet	NOUN
iaajah-7571	164	18	-	-	PUNCT
iaajah-7571	164	19	enabled	enable	VERB
iaajah-7571	164	20	devices	device	NOUN
iaajah-7571	164	21	,	,	PUNCT
iaajah-7571	164	22	email	email	NOUN
iaajah-7571	164	23	is	be	AUX
iaajah-7571	164	24	less	less	ADV
iaajah-7571	164	25	practical	practical	ADJ
iaajah-7571	164	26	.	.	PUNCT
iaajah-7571	165	1	in	in	ADP
iaajah-7571	165	2	addition	addition	NOUN
iaajah-7571	165	3	,	,	PUNCT
iaajah-7571	165	4	members	member	NOUN
iaajah-7571	165	5	often	often	ADV
iaajah-7571	165	6	check	check	VERB
iaajah-7571	165	7	emails	email	NOUN
iaajah-7571	165	8	less	less	ADV
iaajah-7571	165	9	frequently	frequently	ADV
iaajah-7571	165	10	than	than	ADP
iaajah-7571	165	11	mobile	mobile	ADJ
iaajah-7571	165	12	messaging	messaging	NOUN
iaajah-7571	165	13	apps	app	NOUN
iaajah-7571	165	14	,	,	PUNCT
iaajah-7571	165	15	which	which	PRON
iaajah-7571	165	16	diminishes	diminish	VERB
iaajah-7571	165	17	its	its	PRON
iaajah-7571	165	18	immediacy	immediacy	NOUN
iaajah-7571	165	19	and	and	CCONJ
iaajah-7571	165	20	engagement	engagement	NOUN
iaajah-7571	165	21	potential	potential	NOUN
iaajah-7571	165	22	.	.	PUNCT
iaajah-7571	166	1	video	video	NOUN
iaajah-7571	166	2	conferencing	conferencing	NOUN
iaajah-7571	166	3	platforms	platform	NOUN
iaajah-7571	166	4	(	(	PUNCT
iaajah-7571	166	5	zoom	zoom	NOUN
iaajah-7571	166	6	,	,	PUNCT
iaajah-7571	166	7	google	google	PROPN
iaajah-7571	166	8	meet	meet	PROPN
iaajah-7571	166	9	)	)	PUNCT
iaajah-7571	166	10	the	the	DET
iaajah-7571	166	11	covid-19	covid-19	PROPN
iaajah-7571	166	12	pandemic	pandemic	NOUN
iaajah-7571	166	13	triggered	trigger	VERB
iaajah-7571	166	14	a	a	DET
iaajah-7571	166	15	growing	grow	VERB
iaajah-7571	166	16	awareness	awareness	NOUN
iaajah-7571	166	17	of	of	ADP
iaajah-7571	166	18	video	video	NOUN
iaajah-7571	166	19	conferencing	conferencing	NOUN
iaajah-7571	166	20	tools	tool	NOUN
iaajah-7571	166	21	among	among	ADP
iaajah-7571	166	22	nigerian	nigerian	ADJ
iaajah-7571	166	23	cooperatives	cooperative	NOUN
iaajah-7571	166	24	,	,	PUNCT
iaajah-7571	166	25	particularly	particularly	ADV
iaajah-7571	166	26	those	those	PRON
iaajah-7571	166	27	located	locate	VERB
iaajah-7571	166	28	in	in	ADP
iaajah-7571	166	29	urban	urban	ADJ
iaajah-7571	166	30	areas	area	NOUN
iaajah-7571	166	31	.	.	PUNCT
iaajah-7571	167	1	platforms	platform	NOUN
iaajah-7571	167	2	like	like	ADP
iaajah-7571	167	3	zoom	zoom	VERB
iaajah-7571	167	4	and	and	CCONJ
iaajah-7571	167	5	google	google	PROPN
iaajah-7571	167	6	meet	meet	NOUN
iaajah-7571	167	7	enabled	enable	VERB
iaajah-7571	167	8	virtual	virtual	ADJ
iaajah-7571	167	9	annual	annual	ADJ
iaajah-7571	167	10	general	general	ADJ
iaajah-7571	167	11	meetings	meeting	NOUN
iaajah-7571	167	12	(	(	PUNCT
iaajah-7571	167	13	agms	agms	ADJ
iaajah-7571	167	14	)	)	PUNCT
iaajah-7571	167	15	,	,	PUNCT
iaajah-7571	167	16	executive	executive	ADJ
iaajah-7571	167	17	planning	planning	NOUN
iaajah-7571	167	18	sessions	session	NOUN
iaajah-7571	167	19	,	,	PUNCT
iaajah-7571	167	20	and	and	CCONJ
iaajah-7571	167	21	training	training	NOUN
iaajah-7571	167	22	workshops	workshop	NOUN
iaajah-7571	167	23	.	.	PUNCT
iaajah-7571	168	1	for	for	ADP
iaajah-7571	168	2	cooperatives	cooperative	NOUN
iaajah-7571	168	3	with	with	ADP
iaajah-7571	168	4	members	member	NOUN
iaajah-7571	168	5	across	across	ADP
iaajah-7571	168	6	states	state	NOUN
iaajah-7571	168	7	or	or	CCONJ
iaajah-7571	168	8	in	in	ADP
iaajah-7571	168	9	diaspora	diaspora	PROPN
iaajah-7571	168	10	,	,	PUNCT
iaajah-7571	168	11	virtual	virtual	ADJ
iaajah-7571	168	12	meetings	meeting	NOUN
iaajah-7571	168	13	became	become	VERB
iaajah-7571	168	14	a	a	DET
iaajah-7571	168	15	strategic	strategic	ADJ
iaajah-7571	168	16	tool	tool	NOUN
iaajah-7571	168	17	for	for	ADP
iaajah-7571	168	18	ensuring	ensure	VERB
iaajah-7571	168	19	inclusivity	inclusivity	NOUN
iaajah-7571	168	20	and	and	CCONJ
iaajah-7571	168	21	continuity	continuity	NOUN
iaajah-7571	168	22	.	.	PUNCT
iaajah-7571	169	1	these	these	DET
iaajah-7571	169	2	platforms	platform	NOUN
iaajah-7571	169	3	support	support	VERB
iaajah-7571	169	4	screen	screen	NOUN
iaajah-7571	169	5	sharing	sharing	NOUN
iaajah-7571	169	6	,	,	PUNCT
iaajah-7571	169	7	recording	recording	NOUN
iaajah-7571	169	8	,	,	PUNCT
iaajah-7571	169	9	and	and	CCONJ
iaajah-7571	169	10	real	real	ADJ
iaajah-7571	169	11	-	-	PUNCT
iaajah-7571	169	12	time	time	NOUN
iaajah-7571	169	13	collaboration	collaboration	NOUN
iaajah-7571	169	14	.	.	PUNCT
iaajah-7571	170	1	however	however	ADV
iaajah-7571	170	2	,	,	PUNCT
iaajah-7571	170	3	their	their	PRON
iaajah-7571	170	4	effectiveness	effectiveness	NOUN
iaajah-7571	170	5	depends	depend	VERB
iaajah-7571	170	6	heavily	heavily	ADV
iaajah-7571	170	7	on	on	ADP
iaajah-7571	170	8	internet	internet	NOUN
iaajah-7571	170	9	connectivity	connectivity	NOUN
iaajah-7571	170	10	,	,	PUNCT
iaajah-7571	170	11	data	datum	NOUN
iaajah-7571	170	12	cost	cost	NOUN
iaajah-7571	170	13	,	,	PUNCT
iaajah-7571	170	14	and	and	CCONJ
iaajah-7571	170	15	digital	digital	ADJ
iaajah-7571	170	16	skills	skill	NOUN
iaajah-7571	170	17	.	.	PUNCT
iaajah-7571	171	1	many	many	ADJ
iaajah-7571	171	2	cooperatives	cooperative	NOUN
iaajah-7571	171	3	still	still	ADV
iaajah-7571	171	4	prefer	prefer	VERB
iaajah-7571	171	5	physical	physical	ADJ
iaajah-7571	171	6	meetings	meeting	NOUN
iaajah-7571	171	7	due	due	ADP
iaajah-7571	171	8	to	to	ADP
iaajah-7571	171	9	network	network	NOUN
iaajah-7571	171	10	instability	instability	NOUN
iaajah-7571	171	11	and	and	CCONJ
iaajah-7571	171	12	the	the	DET
iaajah-7571	171	13	learning	learn	VERB
iaajah-7571	171	14	curve	curve	NOUN
iaajah-7571	171	15	associated	associate	VERB
iaajah-7571	171	16	with	with	ADP
iaajah-7571	171	17	navigating	navigate	VERB
iaajah-7571	171	18	video	video	NOUN
iaajah-7571	171	19	platforms	platform	NOUN
iaajah-7571	171	20	.	.	PUNCT
iaajah-7571	172	1	digital	digital	ADJ
iaajah-7571	172	2	financial	financial	ADJ
iaajah-7571	172	3	platforms	platform	NOUN
iaajah-7571	172	4	and	and	CCONJ
iaajah-7571	172	5	mobile	mobile	ADJ
iaajah-7571	172	6	money	money	NOUN
iaajah-7571	172	7	while	while	SCONJ
iaajah-7571	172	8	not	not	PART
iaajah-7571	172	9	traditionally	traditionally	ADV
iaajah-7571	172	10	classified	classify	VERB
iaajah-7571	172	11	as	as	ADP
iaajah-7571	172	12	communication	communication	NOUN
iaajah-7571	172	13	tools	tool	NOUN
iaajah-7571	172	14	,	,	PUNCT
iaajah-7571	172	15	mobile	mobile	ADJ
iaajah-7571	172	16	banking	banking	NOUN
iaajah-7571	172	17	apps	app	NOUN
iaajah-7571	172	18	,	,	PUNCT
iaajah-7571	172	19	mobile	mobile	ADJ
iaajah-7571	172	20	money	money	NOUN
iaajah-7571	172	21	platforms	platform	NOUN
iaajah-7571	172	22	(	(	PUNCT
iaajah-7571	172	23	e.g.	e.g.	ADV
iaajah-7571	172	24	,	,	PUNCT
iaajah-7571	172	25	opay	opay	NOUN
iaajah-7571	172	26	,	,	PUNCT
iaajah-7571	172	27	paga	paga	NOUN
iaajah-7571	172	28	)	)	PUNCT
iaajah-7571	172	29	,	,	PUNCT
iaajah-7571	172	30	and	and	CCONJ
iaajah-7571	172	31	ussd	ussd	ADJ
iaajah-7571	172	32	codes	code	NOUN
iaajah-7571	172	33	have	have	AUX
iaajah-7571	172	34	become	become	VERB
iaajah-7571	172	35	vital	vital	ADJ
iaajah-7571	172	36	channels	channel	NOUN
iaajah-7571	172	37	for	for	ADP
iaajah-7571	172	38	financial	financial	ADJ
iaajah-7571	172	39	communication	communication	NOUN
iaajah-7571	172	40	in	in	ADP
iaajah-7571	172	41	cooperatives	cooperative	NOUN
iaajah-7571	172	42	.	.	PUNCT
iaajah-7571	173	1	these	these	DET
iaajah-7571	173	2	tools	tool	NOUN
iaajah-7571	173	3	enable	enable	VERB
iaajah-7571	173	4	members	member	NOUN
iaajah-7571	173	5	to	to	PART
iaajah-7571	173	6	check	check	VERB
iaajah-7571	173	7	balances	balance	NOUN
iaajah-7571	173	8	,	,	PUNCT
iaajah-7571	173	9	receive	receive	VERB
iaajah-7571	173	10	payment	payment	NOUN
iaajah-7571	173	11	confirmations	confirmation	NOUN
iaajah-7571	173	12	,	,	PUNCT
iaajah-7571	173	13	and	and	CCONJ
iaajah-7571	173	14	monitor	monitor	VERB
iaajah-7571	173	15	loan	loan	NOUN
iaajah-7571	173	16	repayments	repayment	NOUN
iaajah-7571	173	17	.	.	PUNCT
iaajah-7571	174	1	some	some	DET
iaajah-7571	174	2	cooperatives	cooperative	NOUN
iaajah-7571	174	3	have	have	AUX
iaajah-7571	174	4	integrated	integrate	VERB
iaajah-7571	174	5	mobile	mobile	ADJ
iaajah-7571	174	6	banking	banking	NOUN
iaajah-7571	174	7	igwebuike	igwebuike	NOUN
iaajah-7571	174	8	:	:	PUNCT
iaajah-7571	174	9	an	an	DET
iaajah-7571	174	10	african	african	ADJ
iaajah-7571	174	11	journal	journal	NOUN
iaajah-7571	174	12	of	of	ADP
iaajah-7571	174	13	arts	art	NOUN
iaajah-7571	174	14	and	and	CCONJ
iaajah-7571	174	15	humanities	humanity	NOUN
iaajah-7571	174	16	vol	vol	NOUN
iaajah-7571	174	17	.	.	PUNCT
iaajah-7571	175	1	11	11	NUM
iaajah-7571	175	2	.	.	PUNCT
iaajah-7571	176	1	no	no	INTJ
iaajah-7571	176	2	.	.	NOUN
iaajah-7571	176	3	7	7	NUM
iaajah-7571	176	4	,	,	PUNCT
iaajah-7571	176	5	(	(	PUNCT
iaajah-7571	176	6	2025	2025	NUM
iaajah-7571	176	7	)	)	PUNCT
iaajah-7571	176	8	issn	issn	PROPN
iaajah-7571	176	9	:	:	PUNCT
iaajah-7571	176	10	24889210	24889210	NUM
iaajah-7571	176	11	(	(	PUNCT
iaajah-7571	176	12	print	print	NOUN
iaajah-7571	176	13	)	)	PUNCT
iaajah-7571	176	14	2504	2504	NUM
iaajah-7571	176	15	-	-	SYM
iaajah-7571	176	16	9038	9038	NUM
iaajah-7571	176	17	(	(	PUNCT
iaajah-7571	176	18	online	online	NOUN
iaajah-7571	176	19	)	)	PUNCT
iaajah-7571	176	20	dept	dept	NOUN
iaajah-7571	176	21	.	.	PROPN
iaajah-7571	177	1	of	of	ADP
iaajah-7571	177	2	philosophy	philosophy	NOUN
iaajah-7571	177	3	and	and	CCONJ
iaajah-7571	177	4	religious	religious	ADJ
iaajah-7571	177	5	studies	study	NOUN
iaajah-7571	177	6	,	,	PUNCT
iaajah-7571	177	7	tansian	tansian	PROPN
iaajah-7571	177	8	university	university	PROPN
iaajah-7571	177	9	umunya	umunya	PROPN
iaajah-7571	177	10	indexed	indexed	PROPN
iaajah-7571	177	11	:	:	PUNCT
iaajah-7571	177	12	academic	academic	ADJ
iaajah-7571	177	13	journals	journal	NOUN
iaajah-7571	177	14	online	online	ADV
iaajah-7571	177	15	,	,	PUNCT
iaajah-7571	177	16	google	google	PROPN
iaajah-7571	177	17	scholar	scholar	NOUN
iaajah-7571	177	18	,	,	PUNCT
iaajah-7571	177	19	igwebuike	igwebuike	PROPN
iaajah-7571	177	20	research	research	PROPN
iaajah-7571	177	21	institute	institute	NOUN
iaajah-7571	177	22	68	68	NUM
iaajah-7571	177	23	with	with	ADP
iaajah-7571	177	24	communication	communication	NOUN
iaajah-7571	177	25	updates	update	NOUN
iaajah-7571	177	26	such	such	ADJ
iaajah-7571	177	27	as	as	ADP
iaajah-7571	177	28	sms	sms	NOUN
iaajah-7571	177	29	alerts	alert	NOUN
iaajah-7571	177	30	or	or	CCONJ
iaajah-7571	177	31	app	app	NOUN
iaajah-7571	177	32	notifications	notification	NOUN
iaajah-7571	177	33	thus	thus	ADV
iaajah-7571	177	34	merging	merge	VERB
iaajah-7571	177	35	financial	financial	ADJ
iaajah-7571	177	36	services	service	NOUN
iaajah-7571	177	37	with	with	ADP
iaajah-7571	177	38	internal	internal	ADJ
iaajah-7571	177	39	information	information	NOUN
iaajah-7571	177	40	flow	flow	NOUN
iaajah-7571	177	41	.	.	PUNCT
iaajah-7571	178	1	as	as	SCONJ
iaajah-7571	178	2	digital	digital	ADJ
iaajah-7571	178	3	financial	financial	ADJ
iaajah-7571	178	4	services	service	NOUN
iaajah-7571	178	5	expand	expand	VERB
iaajah-7571	178	6	,	,	PUNCT
iaajah-7571	178	7	cooperatives	cooperative	NOUN
iaajah-7571	178	8	that	that	PRON
iaajah-7571	178	9	adopt	adopt	VERB
iaajah-7571	178	10	these	these	DET
iaajah-7571	178	11	tools	tool	NOUN
iaajah-7571	178	12	enjoy	enjoy	VERB
iaajah-7571	178	13	faster	fast	ADJ
iaajah-7571	178	14	transaction	transaction	NOUN
iaajah-7571	178	15	times	time	NOUN
iaajah-7571	178	16	,	,	PUNCT
iaajah-7571	178	17	increased	increase	VERB
iaajah-7571	178	18	transparency	transparency	NOUN
iaajah-7571	178	19	,	,	PUNCT
iaajah-7571	178	20	and	and	CCONJ
iaajah-7571	178	21	reduced	reduced	ADJ
iaajah-7571	178	22	fraud	fraud	NOUN
iaajah-7571	178	23	.	.	PUNCT
iaajah-7571	179	1	nonetheless	nonetheless	ADV
iaajah-7571	179	2	,	,	PUNCT
iaajah-7571	179	3	there	there	PRON
iaajah-7571	179	4	remains	remain	VERB
iaajah-7571	179	5	a	a	DET
iaajah-7571	179	6	trust	trust	NOUN
iaajah-7571	179	7	gap	gap	NOUN
iaajah-7571	179	8	among	among	ADP
iaajah-7571	179	9	older	old	ADJ
iaajah-7571	179	10	members	member	NOUN
iaajah-7571	179	11	unfamiliar	unfamiliar	ADJ
iaajah-7571	179	12	with	with	ADP
iaajah-7571	179	13	digital	digital	ADJ
iaajah-7571	179	14	banking	banking	NOUN
iaajah-7571	179	15	,	,	PUNCT
iaajah-7571	179	16	along	along	ADP
iaajah-7571	179	17	with	with	ADP
iaajah-7571	179	18	infrastructural	infrastructural	ADJ
iaajah-7571	179	19	limitations	limitation	NOUN
iaajah-7571	179	20	in	in	ADP
iaajah-7571	179	21	underserved	underserved	ADJ
iaajah-7571	179	22	regions	region	NOUN
iaajah-7571	179	23	.	.	PUNCT
iaajah-7571	180	1	cooperative	cooperative	ADJ
iaajah-7571	180	2	management	management	NOUN
iaajah-7571	180	3	software	software	NOUN
iaajah-7571	180	4	and	and	CCONJ
iaajah-7571	180	5	enterprise	enterprise	NOUN
iaajah-7571	180	6	platforms	platform	NOUN
iaajah-7571	180	7	in	in	ADP
iaajah-7571	180	8	recent	recent	ADJ
iaajah-7571	180	9	years	year	NOUN
iaajah-7571	181	1	,	,	PUNCT
iaajah-7571	181	2	several	several	ADJ
iaajah-7571	181	3	nigerian	nigerian	ADJ
iaajah-7571	181	4	cooperatives	cooperative	NOUN
iaajah-7571	181	5	have	have	AUX
iaajah-7571	181	6	started	start	VERB
iaajah-7571	181	7	exploring	explore	VERB
iaajah-7571	181	8	digital	digital	ADJ
iaajah-7571	181	9	platforms	platform	NOUN
iaajah-7571	181	10	specifically	specifically	ADV
iaajah-7571	181	11	designed	design	VERB
iaajah-7571	181	12	for	for	ADP
iaajah-7571	181	13	managing	manage	VERB
iaajah-7571	181	14	cooperative	cooperative	ADJ
iaajah-7571	181	15	operations	operation	NOUN
iaajah-7571	181	16	.	.	PUNCT
iaajah-7571	182	1	examples	example	NOUN
iaajah-7571	182	2	include	include	VERB
iaajah-7571	182	3	coopmis	coopmis	PROPN
iaajah-7571	182	4	,	,	PUNCT
iaajah-7571	182	5	mobicoop	mobicoop	NOUN
iaajah-7571	182	6	,	,	PUNCT
iaajah-7571	182	7	and	and	CCONJ
iaajah-7571	182	8	coopbanker	coopbanker	NOUN
iaajah-7571	182	9	.	.	PUNCT
iaajah-7571	183	1	these	these	DET
iaajah-7571	183	2	platforms	platform	NOUN
iaajah-7571	183	3	integrate	integrate	VERB
iaajah-7571	183	4	communication	communication	NOUN
iaajah-7571	183	5	tools	tool	NOUN
iaajah-7571	183	6	with	with	ADP
iaajah-7571	183	7	member	member	NOUN
iaajah-7571	183	8	databases	database	NOUN
iaajah-7571	183	9	,	,	PUNCT
iaajah-7571	183	10	savings	saving	NOUN
iaajah-7571	183	11	and	and	CCONJ
iaajah-7571	183	12	loan	loan	NOUN
iaajah-7571	183	13	modules	module	NOUN
iaajah-7571	183	14	,	,	PUNCT
iaajah-7571	183	15	report	report	NOUN
iaajah-7571	183	16	generation	generation	NOUN
iaajah-7571	183	17	,	,	PUNCT
iaajah-7571	183	18	and	and	CCONJ
iaajah-7571	183	19	real	real	ADJ
iaajah-7571	183	20	-	-	PUNCT
iaajah-7571	183	21	time	time	NOUN
iaajah-7571	183	22	notifications	notification	NOUN
iaajah-7571	183	23	.	.	PUNCT
iaajah-7571	184	1	these	these	DET
iaajah-7571	184	2	systems	system	NOUN
iaajah-7571	184	3	help	help	VERB
iaajah-7571	184	4	cooperative	cooperative	ADJ
iaajah-7571	184	5	executives	executive	NOUN
iaajah-7571	184	6	streamline	streamline	VERB
iaajah-7571	184	7	administrative	administrative	ADJ
iaajah-7571	184	8	tasks	task	NOUN
iaajah-7571	184	9	,	,	PUNCT
iaajah-7571	184	10	reduce	reduce	VERB
iaajah-7571	184	11	paperwork	paperwork	NOUN
iaajah-7571	184	12	,	,	PUNCT
iaajah-7571	184	13	and	and	CCONJ
iaajah-7571	184	14	enhance	enhance	VERB
iaajah-7571	184	15	accountability	accountability	NOUN
iaajah-7571	184	16	.	.	PUNCT
iaajah-7571	185	1	some	some	DET
iaajah-7571	185	2	platforms	platform	NOUN
iaajah-7571	185	3	allow	allow	VERB
iaajah-7571	185	4	members	member	NOUN
iaajah-7571	185	5	to	to	PART
iaajah-7571	185	6	log	log	VERB
iaajah-7571	185	7	in	in	ADP
iaajah-7571	185	8	to	to	PART
iaajah-7571	185	9	view	view	VERB
iaajah-7571	185	10	their	their	PRON
iaajah-7571	185	11	contributions	contribution	NOUN
iaajah-7571	185	12	,	,	PUNCT
iaajah-7571	185	13	apply	apply	VERB
iaajah-7571	185	14	for	for	ADP
iaajah-7571	185	15	loans	loan	NOUN
iaajah-7571	185	16	,	,	PUNCT
iaajah-7571	185	17	or	or	CCONJ
iaajah-7571	185	18	access	access	NOUN
iaajah-7571	185	19	financial	financial	ADJ
iaajah-7571	185	20	statements	statement	NOUN
iaajah-7571	185	21	.	.	PUNCT
iaajah-7571	186	1	communication	communication	NOUN
iaajah-7571	186	2	features	feature	VERB
iaajah-7571	186	3	such	such	ADJ
iaajah-7571	186	4	as	as	ADP
iaajah-7571	186	5	automated	automate	VERB
iaajah-7571	186	6	sms	sms	NOUN
iaajah-7571	186	7	alerts	alert	NOUN
iaajah-7571	186	8	,	,	PUNCT
iaajah-7571	186	9	dashboards	dashboard	NOUN
iaajah-7571	186	10	,	,	PUNCT
iaajah-7571	186	11	and	and	CCONJ
iaajah-7571	186	12	online	online	ADJ
iaajah-7571	186	13	bulletin	bulletin	NOUN
iaajah-7571	186	14	boards	board	NOUN
iaajah-7571	186	15	are	be	AUX
iaajah-7571	186	16	also	also	ADV
iaajah-7571	186	17	embedded	embed	VERB
iaajah-7571	186	18	in	in	ADP
iaajah-7571	186	19	these	these	DET
iaajah-7571	186	20	platforms	platform	NOUN
iaajah-7571	186	21	.	.	PUNCT
iaajah-7571	187	1	however	however	ADV
iaajah-7571	187	2	,	,	PUNCT
iaajah-7571	187	3	adoption	adoption	NOUN
iaajah-7571	187	4	remains	remain	VERB
iaajah-7571	187	5	limited	limited	ADJ
iaajah-7571	187	6	due	due	ADP
iaajah-7571	187	7	to	to	ADP
iaajah-7571	187	8	cost	cost	NOUN
iaajah-7571	187	9	,	,	PUNCT
iaajah-7571	187	10	complexity	complexity	NOUN
iaajah-7571	187	11	,	,	PUNCT
iaajah-7571	187	12	and	and	CCONJ
iaajah-7571	187	13	low	low	ADJ
iaajah-7571	187	14	technical	technical	ADJ
iaajah-7571	187	15	capacity	capacity	NOUN
iaajah-7571	187	16	.	.	PUNCT
iaajah-7571	188	1	cooperatives	cooperative	NOUN
iaajah-7571	188	2	need	need	VERB
iaajah-7571	188	3	external	external	ADJ
iaajah-7571	188	4	support	support	NOUN
iaajah-7571	188	5	,	,	PUNCT
iaajah-7571	188	6	such	such	ADJ
iaajah-7571	188	7	as	as	ADP
iaajah-7571	188	8	donor	donor	NOUN
iaajah-7571	188	9	grants	grant	NOUN
iaajah-7571	188	10	or	or	CCONJ
iaajah-7571	188	11	government	government	NOUN
iaajah-7571	188	12	subsidies	subsidy	NOUN
iaajah-7571	188	13	,	,	PUNCT
iaajah-7571	188	14	to	to	PART
iaajah-7571	188	15	afford	afford	VERB
iaajah-7571	188	16	these	these	DET
iaajah-7571	188	17	tools	tool	NOUN
iaajah-7571	188	18	and	and	CCONJ
iaajah-7571	188	19	train	train	NOUN
iaajah-7571	188	20	members	member	NOUN
iaajah-7571	188	21	on	on	ADP
iaajah-7571	188	22	their	their	PRON
iaajah-7571	188	23	usage	usage	NOUN
iaajah-7571	188	24	.	.	PUNCT
iaajah-7571	189	1	social	social	ADJ
iaajah-7571	189	2	media	medium	NOUN
iaajah-7571	189	3	pages	page	NOUN
iaajah-7571	189	4	and	and	CCONJ
iaajah-7571	189	5	websites	website	NOUN
iaajah-7571	189	6	although	although	SCONJ
iaajah-7571	189	7	less	less	ADV
iaajah-7571	189	8	common	common	ADJ
iaajah-7571	189	9	,	,	PUNCT
iaajah-7571	189	10	some	some	DET
iaajah-7571	189	11	large	large	ADJ
iaajah-7571	189	12	or	or	CCONJ
iaajah-7571	189	13	urban	urban	ADJ
iaajah-7571	189	14	-	-	PUNCT
iaajah-7571	189	15	based	base	VERB
iaajah-7571	189	16	cooperatives	cooperative	NOUN
iaajah-7571	189	17	maintain	maintain	VERB
iaajah-7571	189	18	a	a	DET
iaajah-7571	189	19	facebook	facebook	NOUN
iaajah-7571	189	20	page	page	NOUN
iaajah-7571	189	21	,	,	PUNCT
iaajah-7571	189	22	twitter	twitter	NOUN
iaajah-7571	189	23	account	account	NOUN
iaajah-7571	189	24	,	,	PUNCT
iaajah-7571	189	25	or	or	CCONJ
iaajah-7571	189	26	even	even	ADV
iaajah-7571	189	27	a	a	DET
iaajah-7571	189	28	simple	simple	ADJ
iaajah-7571	189	29	website	website	NOUN
iaajah-7571	189	30	.	.	PUNCT
iaajah-7571	190	1	these	these	PRON
iaajah-7571	190	2	are	be	AUX
iaajah-7571	190	3	mainly	mainly	ADV
iaajah-7571	190	4	used	use	VERB
iaajah-7571	190	5	for	for	ADP
iaajah-7571	190	6	external	external	ADJ
iaajah-7571	190	7	communication	communication	NOUN
iaajah-7571	190	8	,	,	PUNCT
iaajah-7571	190	9	such	such	ADJ
iaajah-7571	190	10	as	as	ADP
iaajah-7571	190	11	promoting	promote	VERB
iaajah-7571	190	12	cooperative	cooperative	ADJ
iaajah-7571	190	13	activities	activity	NOUN
iaajah-7571	190	14	,	,	PUNCT
iaajah-7571	190	15	attracting	attract	VERB
iaajah-7571	190	16	new	new	ADJ
iaajah-7571	190	17	members	member	NOUN
iaajah-7571	190	18	,	,	PUNCT
iaajah-7571	190	19	or	or	CCONJ
iaajah-7571	190	20	posting	post	VERB
iaajah-7571	190	21	updates	update	NOUN
iaajah-7571	190	22	.	.	PUNCT
iaajah-7571	191	1	internally	internally	ADV
iaajah-7571	191	2	,	,	PUNCT
iaajah-7571	191	3	they	they	PRON
iaajah-7571	191	4	may	may	AUX
iaajah-7571	191	5	also	also	ADV
iaajah-7571	191	6	be	be	AUX
iaajah-7571	191	7	used	use	VERB
iaajah-7571	191	8	to	to	PART
iaajah-7571	191	9	share	share	VERB
iaajah-7571	191	10	agm	agm	PROPN
iaajah-7571	191	11	highlights	highlights	PROPN
iaajah-7571	191	12	,	,	PUNCT
iaajah-7571	191	13	executive	executive	ADJ
iaajah-7571	191	14	committee	committee	NOUN
iaajah-7571	191	15	announcements	announcement	NOUN
iaajah-7571	191	16	,	,	PUNCT
iaajah-7571	191	17	or	or	CCONJ
iaajah-7571	191	18	educational	educational	ADJ
iaajah-7571	191	19	content	content	NOUN
iaajah-7571	191	20	.	.	PUNCT
iaajah-7571	192	1	nevertheless	nevertheless	ADV
iaajah-7571	192	2	,	,	PUNCT
iaajah-7571	192	3	managing	manage	VERB
iaajah-7571	192	4	a	a	DET
iaajah-7571	192	5	digital	digital	ADJ
iaajah-7571	192	6	presence	presence	NOUN
iaajah-7571	192	7	requires	require	VERB
iaajah-7571	192	8	dedicated	dedicated	ADJ
iaajah-7571	192	9	personnel	personnel	NOUN
iaajah-7571	192	10	,	,	PUNCT
iaajah-7571	192	11	technical	technical	ADJ
iaajah-7571	192	12	skills	skill	NOUN
iaajah-7571	192	13	,	,	PUNCT
iaajah-7571	192	14	and	and	CCONJ
iaajah-7571	192	15	consistency	consistency	NOUN
iaajah-7571	192	16	resources	resource	NOUN
iaajah-7571	192	17	that	that	SCONJ
iaajah-7571	192	18	many	many	ADJ
iaajah-7571	192	19	grassroots	grassroots	ADJ
iaajah-7571	192	20	cooperatives	cooperative	NOUN
iaajah-7571	192	21	lack	lack	VERB
iaajah-7571	192	22	.	.	PUNCT
iaajah-7571	193	1	5	5	X
iaajah-7571	193	2	.	.	X
iaajah-7571	193	3	factors	factor	NOUN
iaajah-7571	193	4	influencing	influence	VERB
iaajah-7571	193	5	adoption	adoption	NOUN
iaajah-7571	193	6	of	of	ADP
iaajah-7571	193	7	ict	ict	NOUN
iaajah-7571	193	8	tools	tool	NOUN
iaajah-7571	193	9	in	in	ADP
iaajah-7571	193	10	nigerian	nigerian	ADJ
iaajah-7571	193	11	cooperatives	cooperative	NOUN
iaajah-7571	193	12	while	while	SCONJ
iaajah-7571	193	13	information	information	NOUN
iaajah-7571	193	14	and	and	CCONJ
iaajah-7571	193	15	communication	communication	NOUN
iaajah-7571	193	16	technology	technology	NOUN
iaajah-7571	193	17	(	(	PUNCT
iaajah-7571	193	18	ict	ict	NOUN
iaajah-7571	193	19	)	)	PUNCT
iaajah-7571	193	20	tools	tool	NOUN
iaajah-7571	193	21	present	present	VERB
iaajah-7571	193	22	significant	significant	ADJ
iaajah-7571	193	23	opportunities	opportunity	NOUN
iaajah-7571	193	24	for	for	ADP
iaajah-7571	193	25	improving	improve	VERB
iaajah-7571	193	26	internal	internal	ADJ
iaajah-7571	193	27	communication	communication	NOUN
iaajah-7571	193	28	in	in	ADP
iaajah-7571	193	29	cooperative	cooperative	ADJ
iaajah-7571	193	30	societies	society	NOUN
iaajah-7571	193	31	,	,	PUNCT
iaajah-7571	193	32	their	their	PRON
iaajah-7571	193	33	adoption	adoption	NOUN
iaajah-7571	193	34	is	be	AUX
iaajah-7571	193	35	not	not	PART
iaajah-7571	193	36	uniform	uniform	ADJ
iaajah-7571	193	37	across	across	ADP
iaajah-7571	193	38	nigeria	nigeria	PROPN
iaajah-7571	193	39	.	.	PUNCT
iaajah-7571	194	1	several	several	ADJ
iaajah-7571	194	2	interrelated	interrelated	ADJ
iaajah-7571	194	3	factors	factor	NOUN
iaajah-7571	194	4	technological	technological	ADJ
iaajah-7571	194	5	,	,	PUNCT
iaajah-7571	194	6	human	human	ADJ
iaajah-7571	194	7	,	,	PUNCT
iaajah-7571	194	8	organizational	organizational	ADJ
iaajah-7571	194	9	,	,	PUNCT
iaajah-7571	194	10	cultural	cultural	ADJ
iaajah-7571	194	11	,	,	PUNCT
iaajah-7571	194	12	and	and	CCONJ
iaajah-7571	194	13	environmental	environmental	ADJ
iaajah-7571	194	14	determine	determine	VERB
iaajah-7571	194	15	the	the	DET
iaajah-7571	194	16	extent	extent	NOUN
iaajah-7571	194	17	to	to	PART
iaajah-7571	194	18	which	which	PRON
iaajah-7571	194	19	cooperatives	cooperative	NOUN
iaajah-7571	194	20	embrace	embrace	VERB
iaajah-7571	194	21	or	or	CCONJ
iaajah-7571	194	22	resist	resist	VERB
iaajah-7571	194	23	ict	ict	NOUN
iaajah-7571	194	24	tools	tool	NOUN
iaajah-7571	194	25	.	.	PUNCT
iaajah-7571	195	1	understanding	understand	VERB
iaajah-7571	195	2	these	these	DET
iaajah-7571	195	3	factors	factor	NOUN
iaajah-7571	195	4	is	be	AUX
iaajah-7571	195	5	essential	essential	ADJ
iaajah-7571	195	6	for	for	ADP
iaajah-7571	195	7	designing	design	VERB
iaajah-7571	195	8	effective	effective	ADJ
iaajah-7571	195	9	interventions	intervention	NOUN
iaajah-7571	195	10	,	,	PUNCT
iaajah-7571	195	11	supporting	support	VERB
iaajah-7571	195	12	cooperative	cooperative	ADJ
iaajah-7571	195	13	transformation	transformation	NOUN
iaajah-7571	195	14	,	,	PUNCT
iaajah-7571	195	15	and	and	CCONJ
iaajah-7571	195	16	promoting	promote	VERB
iaajah-7571	195	17	inclusive	inclusive	ADJ
iaajah-7571	195	18	digital	digital	ADJ
iaajah-7571	195	19	engagement	engagement	NOUN
iaajah-7571	195	20	.	.	PUNCT
iaajah-7571	196	1	digital	digital	ADJ
iaajah-7571	196	2	literacy	literacy	NOUN
iaajah-7571	196	3	and	and	CCONJ
iaajah-7571	196	4	educational	educational	ADJ
iaajah-7571	196	5	background	background	NOUN
iaajah-7571	196	6	digital	digital	ADJ
iaajah-7571	196	7	literacy	literacy	NOUN
iaajah-7571	196	8	is	be	AUX
iaajah-7571	196	9	a	a	DET
iaajah-7571	196	10	foundational	foundational	ADJ
iaajah-7571	196	11	determinant	determinant	NOUN
iaajah-7571	196	12	of	of	ADP
iaajah-7571	196	13	ict	ict	NOUN
iaajah-7571	196	14	adoption	adoption	NOUN
iaajah-7571	196	15	.	.	PUNCT
iaajah-7571	197	1	it	it	PRON
iaajah-7571	197	2	refers	refer	VERB
iaajah-7571	197	3	to	to	ADP
iaajah-7571	197	4	the	the	DET
iaajah-7571	197	5	ability	ability	NOUN
iaajah-7571	197	6	to	to	PART
iaajah-7571	197	7	effectively	effectively	ADV
iaajah-7571	197	8	use	use	VERB
iaajah-7571	197	9	digital	digital	ADJ
iaajah-7571	197	10	tools	tool	NOUN
iaajah-7571	197	11	,	,	PUNCT
iaajah-7571	197	12	navigate	navigate	VERB
iaajah-7571	197	13	applications	application	NOUN
iaajah-7571	197	14	,	,	PUNCT
iaajah-7571	197	15	interpret	interpret	VERB
iaajah-7571	197	16	data	datum	NOUN
iaajah-7571	197	17	,	,	PUNCT
iaajah-7571	197	18	and	and	CCONJ
iaajah-7571	197	19	communicate	communicate	VERB
iaajah-7571	197	20	in	in	ADP
iaajah-7571	197	21	a	a	DET
iaajah-7571	197	22	digital	digital	ADJ
iaajah-7571	197	23	environment	environment	NOUN
iaajah-7571	197	24	igwebuike	igwebuike	NOUN
iaajah-7571	197	25	:	:	PUNCT
iaajah-7571	197	26	an	an	DET
iaajah-7571	197	27	african	african	ADJ
iaajah-7571	197	28	journal	journal	NOUN
iaajah-7571	197	29	of	of	ADP
iaajah-7571	197	30	arts	art	NOUN
iaajah-7571	197	31	and	and	CCONJ
iaajah-7571	197	32	humanities	humanity	NOUN
iaajah-7571	197	33	vol	vol	NOUN
iaajah-7571	197	34	.	.	PUNCT
iaajah-7571	198	1	11	11	NUM
iaajah-7571	198	2	.	.	PUNCT
iaajah-7571	199	1	no	no	INTJ
iaajah-7571	199	2	.	.	NOUN
iaajah-7571	199	3	7	7	NUM
iaajah-7571	199	4	,	,	PUNCT
iaajah-7571	199	5	(	(	PUNCT
iaajah-7571	199	6	2025	2025	NUM
iaajah-7571	199	7	)	)	PUNCT
iaajah-7571	199	8	issn	issn	PROPN
iaajah-7571	199	9	:	:	PUNCT
iaajah-7571	199	10	24889210	24889210	NUM
iaajah-7571	199	11	(	(	PUNCT
iaajah-7571	199	12	print	print	NOUN
iaajah-7571	199	13	)	)	PUNCT
iaajah-7571	199	14	2504	2504	NUM
iaajah-7571	199	15	-	-	SYM
iaajah-7571	199	16	9038	9038	NUM
iaajah-7571	199	17	(	(	PUNCT
iaajah-7571	199	18	online	online	NOUN
iaajah-7571	199	19	)	)	PUNCT
iaajah-7571	199	20	dept	dept	NOUN
iaajah-7571	199	21	.	.	PROPN
iaajah-7571	200	1	of	of	ADP
iaajah-7571	200	2	philosophy	philosophy	NOUN
iaajah-7571	200	3	and	and	CCONJ
iaajah-7571	200	4	religious	religious	ADJ
iaajah-7571	200	5	studies	study	NOUN
iaajah-7571	200	6	,	,	PUNCT
iaajah-7571	200	7	tansian	tansian	PROPN
iaajah-7571	200	8	university	university	PROPN
iaajah-7571	200	9	umunya	umunya	PROPN
iaajah-7571	200	10	indexed	indexed	PROPN
iaajah-7571	200	11	:	:	PUNCT
iaajah-7571	200	12	academic	academic	ADJ
iaajah-7571	200	13	journals	journal	NOUN
iaajah-7571	200	14	online	online	ADV
iaajah-7571	200	15	,	,	PUNCT
iaajah-7571	200	16	google	google	PROPN
iaajah-7571	200	17	scholar	scholar	NOUN
iaajah-7571	200	18	,	,	PUNCT
iaajah-7571	200	19	igwebuike	igwebuike	PROPN
iaajah-7571	200	20	research	research	PROPN
iaajah-7571	200	21	institute	institute	PROPN
iaajah-7571	200	22	69	69	NUM
iaajah-7571	200	23	(	(	PUNCT
iaajah-7571	200	24	unesco	unesco	PROPN
iaajah-7571	200	25	,	,	PUNCT
iaajah-7571	200	26	2019	2019	NUM
iaajah-7571	200	27	)	)	PUNCT
iaajah-7571	200	28	.	.	PUNCT
iaajah-7571	201	1	in	in	ADP
iaajah-7571	201	2	many	many	ADJ
iaajah-7571	201	3	nigerian	nigerian	ADJ
iaajah-7571	201	4	cooperatives	cooperative	NOUN
iaajah-7571	201	5	,	,	PUNCT
iaajah-7571	201	6	especially	especially	ADV
iaajah-7571	201	7	those	those	PRON
iaajah-7571	201	8	located	locate	VERB
iaajah-7571	201	9	in	in	ADP
iaajah-7571	201	10	rural	rural	ADJ
iaajah-7571	201	11	areas	area	NOUN
iaajah-7571	201	12	,	,	PUNCT
iaajah-7571	201	13	the	the	DET
iaajah-7571	201	14	educational	educational	ADJ
iaajah-7571	201	15	levels	level	NOUN
iaajah-7571	201	16	of	of	ADP
iaajah-7571	201	17	members	member	NOUN
iaajah-7571	201	18	are	be	AUX
iaajah-7571	201	19	relatively	relatively	ADV
iaajah-7571	201	20	low	low	ADJ
iaajah-7571	201	21	,	,	PUNCT
iaajah-7571	201	22	and	and	CCONJ
iaajah-7571	201	23	familiarity	familiarity	NOUN
iaajah-7571	201	24	with	with	ADP
iaajah-7571	201	25	digital	digital	ADJ
iaajah-7571	201	26	platforms	platform	NOUN
iaajah-7571	201	27	is	be	AUX
iaajah-7571	201	28	limited	limited	ADJ
iaajah-7571	201	29	.	.	PUNCT
iaajah-7571	202	1	while	while	SCONJ
iaajah-7571	202	2	some	some	DET
iaajah-7571	202	3	members	member	NOUN
iaajah-7571	202	4	may	may	AUX
iaajah-7571	202	5	be	be	AUX
iaajah-7571	202	6	comfortable	comfortable	ADJ
iaajah-7571	202	7	using	use	VERB
iaajah-7571	202	8	basic	basic	ADJ
iaajah-7571	202	9	mobile	mobile	ADJ
iaajah-7571	202	10	phones	phone	NOUN
iaajah-7571	202	11	for	for	ADP
iaajah-7571	202	12	calls	call	NOUN
iaajah-7571	202	13	or	or	CCONJ
iaajah-7571	202	14	sms	sm	NOUN
iaajah-7571	202	15	,	,	PUNCT
iaajah-7571	202	16	they	they	PRON
iaajah-7571	202	17	may	may	AUX
iaajah-7571	202	18	find	find	VERB
iaajah-7571	202	19	it	it	PRON
iaajah-7571	202	20	difficult	difficult	ADJ
iaajah-7571	202	21	to	to	PART
iaajah-7571	202	22	operate	operate	VERB
iaajah-7571	202	23	smartphones	smartphone	NOUN
iaajah-7571	202	24	,	,	PUNCT
iaajah-7571	202	25	install	install	NOUN
iaajah-7571	202	26	apps	app	NOUN
iaajah-7571	202	27	,	,	PUNCT
iaajah-7571	202	28	or	or	CCONJ
iaajah-7571	202	29	navigate	navigate	VERB
iaajah-7571	202	30	user	user	NOUN
iaajah-7571	202	31	interfaces	interface	NOUN
iaajah-7571	202	32	on	on	ADP
iaajah-7571	202	33	platforms	platform	NOUN
iaajah-7571	202	34	like	like	ADP
iaajah-7571	202	35	whatsapp	whatsapp	NOUN
iaajah-7571	202	36	,	,	PUNCT
iaajah-7571	202	37	zoom	zoom	NOUN
iaajah-7571	202	38	,	,	PUNCT
iaajah-7571	202	39	or	or	CCONJ
iaajah-7571	202	40	email	email	NOUN
iaajah-7571	202	41	.	.	PUNCT
iaajah-7571	203	1	cooperative	cooperative	ADJ
iaajah-7571	203	2	leaders	leader	NOUN
iaajah-7571	203	3	who	who	PRON
iaajah-7571	203	4	lack	lack	VERB
iaajah-7571	203	5	digital	digital	ADJ
iaajah-7571	203	6	competence	competence	NOUN
iaajah-7571	203	7	may	may	AUX
iaajah-7571	203	8	also	also	ADV
iaajah-7571	203	9	struggle	struggle	VERB
iaajah-7571	203	10	to	to	PART
iaajah-7571	203	11	coordinate	coordinate	VERB
iaajah-7571	203	12	communication	communication	NOUN
iaajah-7571	203	13	using	use	VERB
iaajah-7571	203	14	ict	ict	PROPN
iaajah-7571	203	15	.	.	PUNCT
iaajah-7571	204	1	this	this	PRON
iaajah-7571	204	2	often	often	ADV
iaajah-7571	204	3	results	result	VERB
iaajah-7571	204	4	in	in	ADP
iaajah-7571	204	5	overreliance	overreliance	NOUN
iaajah-7571	204	6	on	on	ADP
iaajah-7571	204	7	traditional	traditional	ADJ
iaajah-7571	204	8	face	face	NOUN
iaajah-7571	204	9	-	-	PUNCT
iaajah-7571	204	10	to	to	ADP
iaajah-7571	204	11	-	-	PUNCT
iaajah-7571	204	12	face	face	NOUN
iaajah-7571	204	13	meetings	meeting	NOUN
iaajah-7571	204	14	or	or	CCONJ
iaajah-7571	204	15	printed	print	VERB
iaajah-7571	204	16	circulars	circular	NOUN
iaajah-7571	204	17	.	.	PUNCT
iaajah-7571	205	1	moreover	moreover	ADV
iaajah-7571	205	2	,	,	PUNCT
iaajah-7571	205	3	older	old	ADJ
iaajah-7571	205	4	members	member	NOUN
iaajah-7571	205	5	tend	tend	VERB
iaajah-7571	205	6	to	to	PART
iaajah-7571	205	7	exhibit	exhibit	VERB
iaajah-7571	205	8	higher	high	ADJ
iaajah-7571	205	9	resistance	resistance	NOUN
iaajah-7571	205	10	to	to	ADP
iaajah-7571	205	11	digital	digital	ADJ
iaajah-7571	205	12	tools	tool	NOUN
iaajah-7571	205	13	compared	compare	VERB
iaajah-7571	205	14	to	to	ADP
iaajah-7571	205	15	younger	young	ADJ
iaajah-7571	205	16	,	,	PUNCT
iaajah-7571	205	17	tech	tech	NOUN
iaajah-7571	205	18	-	-	PUNCT
iaajah-7571	205	19	savvy	savvy	ADJ
iaajah-7571	205	20	members	member	NOUN
iaajah-7571	205	21	,	,	PUNCT
iaajah-7571	205	22	thus	thus	ADV
iaajah-7571	205	23	creating	create	VERB
iaajah-7571	205	24	a	a	DET
iaajah-7571	205	25	generational	generational	ADJ
iaajah-7571	205	26	gap	gap	NOUN
iaajah-7571	205	27	in	in	ADP
iaajah-7571	205	28	communication	communication	NOUN
iaajah-7571	205	29	practices	practice	NOUN
iaajah-7571	205	30	.	.	PUNCT
iaajah-7571	206	1	efforts	effort	NOUN
iaajah-7571	206	2	to	to	PART
iaajah-7571	206	3	improve	improve	VERB
iaajah-7571	206	4	ict	ict	NOUN
iaajah-7571	206	5	adoption	adoption	NOUN
iaajah-7571	206	6	,	,	PUNCT
iaajah-7571	206	7	therefore	therefore	ADV
iaajah-7571	206	8	,	,	PUNCT
iaajah-7571	206	9	must	must	AUX
iaajah-7571	206	10	include	include	VERB
iaajah-7571	206	11	structured	structure	VERB
iaajah-7571	206	12	digital	digital	ADJ
iaajah-7571	206	13	literacy	literacy	NOUN
iaajah-7571	206	14	training	training	NOUN
iaajah-7571	206	15	customized	customize	VERB
iaajah-7571	206	16	to	to	ADP
iaajah-7571	206	17	members	member	NOUN
iaajah-7571	206	18	’	’	PART
iaajah-7571	206	19	literacy	literacy	NOUN
iaajah-7571	206	20	levels	level	NOUN
iaajah-7571	206	21	and	and	CCONJ
iaajah-7571	206	22	ongoing	ongoing	ADJ
iaajah-7571	206	23	technical	technical	ADJ
iaajah-7571	206	24	support	support	NOUN
iaajah-7571	206	25	.	.	PUNCT
iaajah-7571	207	1	accessibility	accessibility	NOUN
iaajah-7571	207	2	of	of	ADP
iaajah-7571	207	3	ict	ict	PROPN
iaajah-7571	207	4	infrastructure	infrastructure	NOUN
iaajah-7571	207	5	access	access	NOUN
iaajah-7571	207	6	to	to	ADP
iaajah-7571	207	7	reliable	reliable	ADJ
iaajah-7571	207	8	ict	ict	NOUN
iaajah-7571	207	9	infrastructure	infrastructure	NOUN
iaajah-7571	207	10	remains	remain	VERB
iaajah-7571	207	11	a	a	DET
iaajah-7571	207	12	critical	critical	ADJ
iaajah-7571	207	13	barrier	barrier	NOUN
iaajah-7571	207	14	.	.	PUNCT
iaajah-7571	208	1	although	although	SCONJ
iaajah-7571	208	2	nigeria	nigeria	PROPN
iaajah-7571	208	3	has	have	AUX
iaajah-7571	208	4	made	make	VERB
iaajah-7571	208	5	significant	significant	ADJ
iaajah-7571	208	6	progress	progress	NOUN
iaajah-7571	208	7	in	in	ADP
iaajah-7571	208	8	mobile	mobile	ADJ
iaajah-7571	208	9	network	network	NOUN
iaajah-7571	208	10	expansion	expansion	NOUN
iaajah-7571	208	11	,	,	PUNCT
iaajah-7571	208	12	large	large	ADJ
iaajah-7571	208	13	portions	portion	NOUN
iaajah-7571	208	14	of	of	ADP
iaajah-7571	208	15	rural	rural	ADJ
iaajah-7571	208	16	communities	community	NOUN
iaajah-7571	208	17	still	still	ADV
iaajah-7571	208	18	suffer	suffer	VERB
iaajah-7571	208	19	from	from	ADP
iaajah-7571	208	20	poor	poor	ADJ
iaajah-7571	208	21	or	or	CCONJ
iaajah-7571	208	22	unstable	unstable	ADJ
iaajah-7571	208	23	internet	internet	NOUN
iaajah-7571	208	24	connectivity	connectivity	NOUN
iaajah-7571	208	25	,	,	PUNCT
iaajah-7571	208	26	erratic	erratic	ADJ
iaajah-7571	208	27	electricity	electricity	NOUN
iaajah-7571	208	28	supply	supply	NOUN
iaajah-7571	208	29	,	,	PUNCT
iaajah-7571	208	30	and	and	CCONJ
iaajah-7571	208	31	insufficient	insufficient	ADJ
iaajah-7571	208	32	telecom	telecom	NOUN
iaajah-7571	208	33	coverage	coverage	NOUN
iaajah-7571	208	34	(	(	PUNCT
iaajah-7571	208	35	world	world	PROPN
iaajah-7571	208	36	bank	bank	NOUN
iaajah-7571	208	37	,	,	PUNCT
iaajah-7571	208	38	2021	2021	NUM
iaajah-7571	208	39	)	)	PUNCT
iaajah-7571	208	40	.	.	PUNCT
iaajah-7571	209	1	this	this	PRON
iaajah-7571	209	2	directly	directly	ADV
iaajah-7571	209	3	limits	limit	VERB
iaajah-7571	209	4	the	the	DET
iaajah-7571	209	5	ability	ability	NOUN
iaajah-7571	209	6	of	of	ADP
iaajah-7571	209	7	cooperatives	cooperative	NOUN
iaajah-7571	209	8	to	to	PART
iaajah-7571	209	9	use	use	VERB
iaajah-7571	209	10	internetdependent	internetdependent	ADJ
iaajah-7571	209	11	tools	tool	NOUN
iaajah-7571	209	12	such	such	ADJ
iaajah-7571	209	13	as	as	ADP
iaajah-7571	209	14	email	email	NOUN
iaajah-7571	209	15	,	,	PUNCT
iaajah-7571	209	16	cloud	cloud	NOUN
iaajah-7571	209	17	-	-	PUNCT
iaajah-7571	209	18	based	base	VERB
iaajah-7571	209	19	storage	storage	NOUN
iaajah-7571	209	20	,	,	PUNCT
iaajah-7571	209	21	zoom	zoom	NOUN
iaajah-7571	209	22	,	,	PUNCT
iaajah-7571	209	23	or	or	CCONJ
iaajah-7571	209	24	cooperative	cooperative	ADJ
iaajah-7571	209	25	management	management	NOUN
iaajah-7571	209	26	software	software	NOUN
iaajah-7571	209	27	.	.	PUNCT
iaajah-7571	210	1	even	even	ADV
iaajah-7571	210	2	when	when	SCONJ
iaajah-7571	210	3	mobile	mobile	ADJ
iaajah-7571	210	4	network	network	NOUN
iaajah-7571	210	5	coverage	coverage	NOUN
iaajah-7571	210	6	is	be	AUX
iaajah-7571	210	7	available	available	ADJ
iaajah-7571	210	8	,	,	PUNCT
iaajah-7571	210	9	the	the	DET
iaajah-7571	210	10	cost	cost	NOUN
iaajah-7571	210	11	of	of	ADP
iaajah-7571	210	12	data	datum	NOUN
iaajah-7571	210	13	subscriptions	subscription	NOUN
iaajah-7571	210	14	and	and	CCONJ
iaajah-7571	210	15	mobile	mobile	ADJ
iaajah-7571	210	16	phone	phone	NOUN
iaajah-7571	210	17	devices	device	NOUN
iaajah-7571	210	18	(	(	PUNCT
iaajah-7571	210	19	especially	especially	ADV
iaajah-7571	210	20	smartphones	smartphone	NOUN
iaajah-7571	210	21	)	)	PUNCT
iaajah-7571	210	22	is	be	AUX
iaajah-7571	210	23	often	often	ADV
iaajah-7571	210	24	prohibitive	prohibitive	ADJ
iaajah-7571	210	25	for	for	ADP
iaajah-7571	210	26	low	low	ADJ
iaajah-7571	210	27	-	-	PUNCT
iaajah-7571	210	28	income	income	NOUN
iaajah-7571	210	29	members	member	NOUN
iaajah-7571	210	30	.	.	PUNCT
iaajah-7571	211	1	additionally	additionally	ADV
iaajah-7571	211	2	,	,	PUNCT
iaajah-7571	211	3	the	the	DET
iaajah-7571	211	4	poor	poor	ADJ
iaajah-7571	211	5	state	state	NOUN
iaajah-7571	211	6	of	of	ADP
iaajah-7571	211	7	rural	rural	ADJ
iaajah-7571	211	8	road	road	NOUN
iaajah-7571	211	9	networks	network	NOUN
iaajah-7571	211	10	affects	affect	VERB
iaajah-7571	211	11	the	the	DET
iaajah-7571	211	12	distribution	distribution	NOUN
iaajah-7571	211	13	and	and	CCONJ
iaajah-7571	211	14	maintenance	maintenance	NOUN
iaajah-7571	211	15	of	of	ADP
iaajah-7571	211	16	ict	ict	PROPN
iaajah-7571	211	17	hardware	hardware	NOUN
iaajah-7571	211	18	such	such	ADJ
iaajah-7571	211	19	as	as	ADP
iaajah-7571	211	20	modems	modem	NOUN
iaajah-7571	211	21	,	,	PUNCT
iaajah-7571	211	22	solar	solar	ADJ
iaajah-7571	211	23	panels	panel	NOUN
iaajah-7571	211	24	,	,	PUNCT
iaajah-7571	211	25	and	and	CCONJ
iaajah-7571	211	26	computer	computer	NOUN
iaajah-7571	211	27	systems	system	NOUN
iaajah-7571	211	28	.	.	PUNCT
iaajah-7571	212	1	to	to	PART
iaajah-7571	212	2	ensure	ensure	VERB
iaajah-7571	212	3	equitable	equitable	ADJ
iaajah-7571	212	4	ict	ict	NOUN
iaajah-7571	212	5	adoption	adoption	NOUN
iaajah-7571	212	6	,	,	PUNCT
iaajah-7571	212	7	there	there	PRON
iaajah-7571	212	8	is	be	VERB
iaajah-7571	212	9	a	a	DET
iaajah-7571	212	10	need	need	NOUN
iaajah-7571	212	11	for	for	ADP
iaajah-7571	212	12	public	public	ADJ
iaajah-7571	212	13	-	-	PUNCT
iaajah-7571	212	14	private	private	ADJ
iaajah-7571	212	15	investment	investment	NOUN
iaajah-7571	212	16	in	in	ADP
iaajah-7571	212	17	infrastructure	infrastructure	NOUN
iaajah-7571	212	18	and	and	CCONJ
iaajah-7571	212	19	access	access	NOUN
iaajah-7571	212	20	-	-	PUNCT
iaajah-7571	212	21	enabling	enable	VERB
iaajah-7571	212	22	policies	policy	NOUN
iaajah-7571	212	23	,	,	PUNCT
iaajah-7571	212	24	including	include	VERB
iaajah-7571	212	25	subsidized	subsidize	VERB
iaajah-7571	212	26	internet	internet	NOUN
iaajah-7571	212	27	services	service	NOUN
iaajah-7571	212	28	and	and	CCONJ
iaajah-7571	212	29	solar	solar	NOUN
iaajah-7571	212	30	-	-	PUNCT
iaajah-7571	212	31	powered	power	VERB
iaajah-7571	212	32	digital	digital	ADJ
iaajah-7571	212	33	centers	center	NOUN
iaajah-7571	212	34	in	in	ADP
iaajah-7571	212	35	cooperative	cooperative	ADJ
iaajah-7571	212	36	communities	community	NOUN
iaajah-7571	212	37	.	.	PUNCT
iaajah-7571	213	1	cost	cost	NOUN
iaajah-7571	213	2	and	and	CCONJ
iaajah-7571	213	3	affordability	affordability	NOUN
iaajah-7571	213	4	cost	cost	NOUN
iaajah-7571	213	5	is	be	AUX
iaajah-7571	213	6	a	a	DET
iaajah-7571	213	7	major	major	ADJ
iaajah-7571	213	8	determinant	determinant	NOUN
iaajah-7571	213	9	of	of	ADP
iaajah-7571	213	10	ict	ict	NOUN
iaajah-7571	213	11	usage	usage	NOUN
iaajah-7571	213	12	among	among	ADP
iaajah-7571	213	13	cooperatives	cooperative	NOUN
iaajah-7571	213	14	.	.	PUNCT
iaajah-7571	214	1	this	this	PRON
iaajah-7571	214	2	includes	include	VERB
iaajah-7571	214	3	both	both	CCONJ
iaajah-7571	214	4	the	the	DET
iaajah-7571	214	5	initial	initial	ADJ
iaajah-7571	214	6	cost	cost	NOUN
iaajah-7571	214	7	of	of	ADP
iaajah-7571	214	8	acquiring	acquire	VERB
iaajah-7571	214	9	digital	digital	ADJ
iaajah-7571	214	10	devices	device	NOUN
iaajah-7571	214	11	(	(	PUNCT
iaajah-7571	214	12	e.g.	e.g.	ADV
iaajah-7571	214	13	,	,	PUNCT
iaajah-7571	214	14	smartphones	smartphone	NOUN
iaajah-7571	214	15	,	,	PUNCT
iaajah-7571	214	16	laptops	laptop	NOUN
iaajah-7571	214	17	,	,	PUNCT
iaajah-7571	214	18	routers	router	NOUN
iaajah-7571	214	19	)	)	PUNCT
iaajah-7571	214	20	and	and	CCONJ
iaajah-7571	214	21	the	the	DET
iaajah-7571	214	22	recurring	recur	VERB
iaajah-7571	214	23	costs	cost	NOUN
iaajah-7571	214	24	of	of	ADP
iaajah-7571	214	25	data	datum	NOUN
iaajah-7571	214	26	subscriptions	subscription	NOUN
iaajah-7571	214	27	,	,	PUNCT
iaajah-7571	214	28	software	software	NOUN
iaajah-7571	214	29	licenses	license	NOUN
iaajah-7571	214	30	,	,	PUNCT
iaajah-7571	214	31	device	device	NOUN
iaajah-7571	214	32	repairs	repair	NOUN
iaajah-7571	214	33	,	,	PUNCT
iaajah-7571	214	34	and	and	CCONJ
iaajah-7571	214	35	ict	ict	PROPN
iaajah-7571	214	36	training	training	NOUN
iaajah-7571	214	37	.	.	PUNCT
iaajah-7571	215	1	most	most	ADJ
iaajah-7571	215	2	cooperatives	cooperative	NOUN
iaajah-7571	215	3	operate	operate	VERB
iaajah-7571	215	4	on	on	ADP
iaajah-7571	215	5	limited	limited	ADJ
iaajah-7571	215	6	budgets	budget	NOUN
iaajah-7571	215	7	and	and	CCONJ
iaajah-7571	215	8	depend	depend	VERB
iaajah-7571	215	9	heavily	heavily	ADV
iaajah-7571	215	10	on	on	ADP
iaajah-7571	215	11	member	member	NOUN
iaajah-7571	215	12	contributions	contribution	NOUN
iaajah-7571	215	13	.	.	PUNCT
iaajah-7571	216	1	allocating	allocate	VERB
iaajah-7571	216	2	funds	fund	NOUN
iaajah-7571	216	3	to	to	ADP
iaajah-7571	216	4	digital	digital	ADJ
iaajah-7571	216	5	tools	tool	NOUN
iaajah-7571	216	6	may	may	AUX
iaajah-7571	216	7	seem	seem	VERB
iaajah-7571	216	8	secondary	secondary	ADJ
iaajah-7571	216	9	compared	compare	VERB
iaajah-7571	216	10	to	to	ADP
iaajah-7571	216	11	pressing	press	VERB
iaajah-7571	216	12	needs	need	NOUN
iaajah-7571	216	13	such	such	ADJ
iaajah-7571	216	14	as	as	ADP
iaajah-7571	216	15	loan	loan	NOUN
iaajah-7571	216	16	disbursement	disbursement	NOUN
iaajah-7571	216	17	,	,	PUNCT
iaajah-7571	216	18	member	member	NOUN
iaajah-7571	216	19	welfare	welfare	NOUN
iaajah-7571	216	20	,	,	PUNCT
iaajah-7571	216	21	or	or	CCONJ
iaajah-7571	216	22	office	office	NOUN
iaajah-7571	216	23	space	space	NOUN
iaajah-7571	216	24	.	.	PUNCT
iaajah-7571	217	1	moreover	moreover	ADV
iaajah-7571	217	2	,	,	PUNCT
iaajah-7571	217	3	where	where	SCONJ
iaajah-7571	217	4	digital	digital	ADJ
iaajah-7571	217	5	platforms	platform	NOUN
iaajah-7571	217	6	are	be	AUX
iaajah-7571	217	7	perceived	perceive	VERB
iaajah-7571	217	8	as	as	ADP
iaajah-7571	217	9	expensive	expensive	ADJ
iaajah-7571	217	10	or	or	CCONJ
iaajah-7571	217	11	complex	complex	ADJ
iaajah-7571	217	12	,	,	PUNCT
iaajah-7571	217	13	cooperatives	cooperative	NOUN
iaajah-7571	217	14	may	may	AUX
iaajah-7571	217	15	prefer	prefer	VERB
iaajah-7571	217	16	lower	low	ADJ
iaajah-7571	217	17	-	-	PUNCT
iaajah-7571	217	18	cost	cost	NOUN
iaajah-7571	217	19	alternatives	alternative	NOUN
iaajah-7571	217	20	such	such	ADJ
iaajah-7571	217	21	as	as	ADP
iaajah-7571	217	22	whatsapp	whatsapp	NOUN
iaajah-7571	217	23	or	or	CCONJ
iaajah-7571	217	24	sms	sm	NOUN
iaajah-7571	217	25	.	.	PUNCT
iaajah-7571	218	1	even	even	ADV
iaajah-7571	218	2	these	these	PRON
iaajah-7571	218	3	,	,	PUNCT
iaajah-7571	218	4	however	however	ADV
iaajah-7571	218	5	,	,	PUNCT
iaajah-7571	218	6	carry	carry	VERB
iaajah-7571	218	7	data	datum	NOUN
iaajah-7571	218	8	or	or	CCONJ
iaajah-7571	218	9	airtime	airtime	NOUN
iaajah-7571	218	10	costs	cost	NOUN
iaajah-7571	218	11	that	that	PRON
iaajah-7571	218	12	not	not	PART
iaajah-7571	218	13	all	all	DET
iaajah-7571	218	14	members	member	NOUN
iaajah-7571	218	15	can	can	AUX
iaajah-7571	218	16	afford	afford	VERB
iaajah-7571	218	17	regularly	regularly	ADV
iaajah-7571	218	18	.	.	PUNCT
iaajah-7571	219	1	igwebuike	igwebuike	PROPN
iaajah-7571	219	2	:	:	PUNCT
iaajah-7571	219	3	an	an	DET
iaajah-7571	219	4	african	african	ADJ
iaajah-7571	219	5	journal	journal	NOUN
iaajah-7571	219	6	of	of	ADP
iaajah-7571	219	7	arts	art	NOUN
iaajah-7571	219	8	and	and	CCONJ
iaajah-7571	219	9	humanities	humanity	NOUN
iaajah-7571	219	10	vol	vol	NOUN
iaajah-7571	219	11	.	.	PUNCT
iaajah-7571	220	1	11	11	NUM
iaajah-7571	220	2	.	.	PUNCT
iaajah-7571	221	1	no	no	INTJ
iaajah-7571	221	2	.	.	NOUN
iaajah-7571	221	3	7	7	NUM
iaajah-7571	221	4	,	,	PUNCT
iaajah-7571	221	5	(	(	PUNCT
iaajah-7571	221	6	2025	2025	NUM
iaajah-7571	221	7	)	)	PUNCT
iaajah-7571	221	8	issn	issn	PROPN
iaajah-7571	221	9	:	:	PUNCT
iaajah-7571	221	10	24889210	24889210	NUM
iaajah-7571	221	11	(	(	PUNCT
iaajah-7571	221	12	print	print	NOUN
iaajah-7571	221	13	)	)	PUNCT
iaajah-7571	221	14	2504	2504	NUM
iaajah-7571	221	15	-	-	SYM
iaajah-7571	221	16	9038	9038	NUM
iaajah-7571	221	17	(	(	PUNCT
iaajah-7571	221	18	online	online	NOUN
iaajah-7571	221	19	)	)	PUNCT
iaajah-7571	221	20	dept	dept	NOUN
iaajah-7571	221	21	.	.	PROPN
iaajah-7571	222	1	of	of	ADP
iaajah-7571	222	2	philosophy	philosophy	NOUN
iaajah-7571	222	3	and	and	CCONJ
iaajah-7571	222	4	religious	religious	ADJ
iaajah-7571	222	5	studies	study	NOUN
iaajah-7571	222	6	,	,	PUNCT
iaajah-7571	222	7	tansian	tansian	PROPN
iaajah-7571	222	8	university	university	PROPN
iaajah-7571	222	9	umunya	umunya	PROPN
iaajah-7571	222	10	indexed	indexed	PROPN
iaajah-7571	222	11	:	:	PUNCT
iaajah-7571	222	12	academic	academic	ADJ
iaajah-7571	222	13	journals	journal	NOUN
iaajah-7571	222	14	online	online	ADV
iaajah-7571	222	15	,	,	PUNCT
iaajah-7571	222	16	google	google	PROPN
iaajah-7571	222	17	scholar	scholar	NOUN
iaajah-7571	222	18	,	,	PUNCT
iaajah-7571	222	19	igwebuike	igwebuike	PROPN
iaajah-7571	222	20	research	research	PROPN
iaajah-7571	222	21	institute	institute	NOUN
iaajah-7571	222	22	70	70	NUM
iaajah-7571	222	23	to	to	PART
iaajah-7571	222	24	encourage	encourage	VERB
iaajah-7571	222	25	uptake	uptake	ADJ
iaajah-7571	222	26	,	,	PUNCT
iaajah-7571	222	27	cooperative	cooperative	ADJ
iaajah-7571	222	28	federations	federation	NOUN
iaajah-7571	222	29	,	,	PUNCT
iaajah-7571	222	30	ngos	ngo	NOUN
iaajah-7571	222	31	,	,	PUNCT
iaajah-7571	222	32	and	and	CCONJ
iaajah-7571	222	33	government	government	NOUN
iaajah-7571	222	34	agencies	agency	NOUN
iaajah-7571	222	35	should	should	AUX
iaajah-7571	222	36	consider	consider	VERB
iaajah-7571	222	37	providing	provide	VERB
iaajah-7571	222	38	cost	cost	NOUN
iaajah-7571	222	39	-	-	PUNCT
iaajah-7571	222	40	sharing	share	VERB
iaajah-7571	222	41	schemes	scheme	NOUN
iaajah-7571	222	42	,	,	PUNCT
iaajah-7571	222	43	digital	digital	ADJ
iaajah-7571	222	44	grants	grant	NOUN
iaajah-7571	222	45	,	,	PUNCT
iaajah-7571	222	46	or	or	CCONJ
iaajah-7571	222	47	community	community	NOUN
iaajah-7571	222	48	-	-	PUNCT
iaajah-7571	222	49	based	base	VERB
iaajah-7571	222	50	technology	technology	NOUN
iaajah-7571	222	51	access	access	NOUN
iaajah-7571	222	52	models	model	NOUN
iaajah-7571	222	53	(	(	PUNCT
iaajah-7571	222	54	such	such	ADJ
iaajah-7571	222	55	as	as	ADP
iaajah-7571	222	56	shared	share	VERB
iaajah-7571	222	57	devices	device	NOUN
iaajah-7571	222	58	or	or	CCONJ
iaajah-7571	222	59	digital	digital	ADJ
iaajah-7571	222	60	hubs	hub	NOUN
iaajah-7571	222	61	)	)	PUNCT
iaajah-7571	222	62	.	.	PUNCT
iaajah-7571	223	1	leadership	leadership	NOUN
iaajah-7571	223	2	commitment	commitment	NOUN
iaajah-7571	223	3	and	and	CCONJ
iaajah-7571	223	4	vision	vision	NOUN
iaajah-7571	223	5	leadership	leadership	NOUN
iaajah-7571	223	6	plays	play	VERB
iaajah-7571	223	7	a	a	DET
iaajah-7571	223	8	pivotal	pivotal	ADJ
iaajah-7571	223	9	role	role	NOUN
iaajah-7571	223	10	in	in	ADP
iaajah-7571	223	11	whether	whether	SCONJ
iaajah-7571	223	12	or	or	CCONJ
iaajah-7571	223	13	not	not	PART
iaajah-7571	223	14	ict	ict	NOUN
iaajah-7571	223	15	tools	tool	NOUN
iaajah-7571	223	16	are	be	AUX
iaajah-7571	223	17	adopted	adopt	VERB
iaajah-7571	223	18	within	within	ADP
iaajah-7571	223	19	a	a	DET
iaajah-7571	223	20	cooperative	cooperative	ADJ
iaajah-7571	223	21	.	.	PUNCT
iaajah-7571	224	1	cooperative	cooperative	ADJ
iaajah-7571	224	2	executives	executive	NOUN
iaajah-7571	224	3	particularly	particularly	ADV
iaajah-7571	224	4	the	the	DET
iaajah-7571	224	5	president	president	NOUN
iaajah-7571	224	6	,	,	PUNCT
iaajah-7571	224	7	secretary	secretary	NOUN
iaajah-7571	224	8	,	,	PUNCT
iaajah-7571	224	9	treasurer	treasurer	NOUN
iaajah-7571	224	10	,	,	PUNCT
iaajah-7571	224	11	and	and	CCONJ
iaajah-7571	224	12	information	information	NOUN
iaajah-7571	224	13	officer	officer	NOUN
iaajah-7571	224	14	act	act	VERB
iaajah-7571	224	15	as	as	ADP
iaajah-7571	224	16	gatekeepers	gatekeeper	NOUN
iaajah-7571	224	17	for	for	ADP
iaajah-7571	224	18	change	change	NOUN
iaajah-7571	224	19	.	.	PUNCT
iaajah-7571	225	1	if	if	SCONJ
iaajah-7571	225	2	they	they	PRON
iaajah-7571	225	3	possess	possess	VERB
iaajah-7571	225	4	a	a	DET
iaajah-7571	225	5	clear	clear	ADJ
iaajah-7571	225	6	vision	vision	NOUN
iaajah-7571	225	7	,	,	PUNCT
iaajah-7571	225	8	embrace	embrace	NOUN
iaajah-7571	225	9	innovation	innovation	NOUN
iaajah-7571	225	10	,	,	PUNCT
iaajah-7571	225	11	and	and	CCONJ
iaajah-7571	225	12	actively	actively	ADV
iaajah-7571	225	13	promote	promote	VERB
iaajah-7571	225	14	the	the	DET
iaajah-7571	225	15	use	use	NOUN
iaajah-7571	225	16	of	of	ADP
iaajah-7571	225	17	digital	digital	ADJ
iaajah-7571	225	18	tools	tool	NOUN
iaajah-7571	225	19	,	,	PUNCT
iaajah-7571	225	20	adoption	adoption	NOUN
iaajah-7571	225	21	becomes	become	VERB
iaajah-7571	225	22	much	much	ADV
iaajah-7571	225	23	more	more	ADV
iaajah-7571	225	24	likely	likely	ADJ
iaajah-7571	225	25	.	.	PUNCT
iaajah-7571	226	1	conversely	conversely	ADV
iaajah-7571	226	2	,	,	PUNCT
iaajah-7571	226	3	where	where	SCONJ
iaajah-7571	226	4	leaders	leader	NOUN
iaajah-7571	226	5	are	be	AUX
iaajah-7571	226	6	resistant	resistant	ADJ
iaajah-7571	226	7	to	to	PART
iaajah-7571	226	8	change	change	VERB
iaajah-7571	226	9	,	,	PUNCT
iaajah-7571	226	10	lack	lack	VERB
iaajah-7571	226	11	interest	interest	NOUN
iaajah-7571	226	12	in	in	ADP
iaajah-7571	226	13	digital	digital	ADJ
iaajah-7571	226	14	tools	tool	NOUN
iaajah-7571	226	15	,	,	PUNCT
iaajah-7571	226	16	or	or	CCONJ
iaajah-7571	226	17	fear	fear	VERB
iaajah-7571	226	18	losing	lose	VERB
iaajah-7571	226	19	control	control	NOUN
iaajah-7571	226	20	due	due	ADP
iaajah-7571	226	21	to	to	ADP
iaajah-7571	226	22	increased	increase	VERB
iaajah-7571	226	23	transparency	transparency	NOUN
iaajah-7571	226	24	,	,	PUNCT
iaajah-7571	226	25	ict	ict	NOUN
iaajah-7571	226	26	adoption	adoption	NOUN
iaajah-7571	226	27	is	be	AUX
iaajah-7571	226	28	often	often	ADV
iaajah-7571	226	29	stalled	stall	VERB
iaajah-7571	226	30	.	.	PUNCT
iaajah-7571	227	1	leaders	leader	NOUN
iaajah-7571	227	2	who	who	PRON
iaajah-7571	227	3	monopolize	monopolize	VERB
iaajah-7571	227	4	communication	communication	NOUN
iaajah-7571	227	5	or	or	CCONJ
iaajah-7571	227	6	fear	fear	VERB
iaajah-7571	227	7	member	member	NOUN
iaajah-7571	227	8	empowerment	empowerment	NOUN
iaajah-7571	227	9	through	through	ADP
iaajah-7571	227	10	open	open	ADJ
iaajah-7571	227	11	channels	channel	NOUN
iaajah-7571	227	12	may	may	AUX
iaajah-7571	227	13	deliberately	deliberately	ADV
iaajah-7571	227	14	avoid	avoid	VERB
iaajah-7571	227	15	tools	tool	NOUN
iaajah-7571	227	16	like	like	ADP
iaajah-7571	227	17	group	group	NOUN
iaajah-7571	227	18	chats	chat	NOUN
iaajah-7571	227	19	or	or	CCONJ
iaajah-7571	227	20	shared	share	VERB
iaajah-7571	227	21	dashboards	dashboard	NOUN
iaajah-7571	227	22	.	.	PUNCT
iaajah-7571	228	1	therefore	therefore	ADV
iaajah-7571	228	2	,	,	PUNCT
iaajah-7571	228	3	fostering	foster	VERB
iaajah-7571	228	4	transformational	transformational	ADJ
iaajah-7571	228	5	leadership	leadership	NOUN
iaajah-7571	228	6	that	that	PRON
iaajah-7571	228	7	is	be	AUX
iaajah-7571	228	8	,	,	PUNCT
iaajah-7571	228	9	leadership	leadership	NOUN
iaajah-7571	228	10	committed	commit	VERB
iaajah-7571	228	11	to	to	ADP
iaajah-7571	228	12	learning	learning	NOUN
iaajah-7571	228	13	,	,	PUNCT
iaajah-7571	228	14	innovation	innovation	NOUN
iaajah-7571	228	15	,	,	PUNCT
iaajah-7571	228	16	and	and	CCONJ
iaajah-7571	228	17	digital	digital	ADJ
iaajah-7571	228	18	inclusion	inclusion	NOUN
iaajah-7571	228	19	is	be	AUX
iaajah-7571	228	20	essential	essential	ADJ
iaajah-7571	228	21	.	.	PUNCT
iaajah-7571	229	1	leadership	leadership	NOUN
iaajah-7571	229	2	training	training	NOUN
iaajah-7571	229	3	programs	program	NOUN
iaajah-7571	229	4	that	that	PRON
iaajah-7571	229	5	integrate	integrate	VERB
iaajah-7571	229	6	ict	ict	NOUN
iaajah-7571	229	7	awareness	awareness	NOUN
iaajah-7571	229	8	and	and	CCONJ
iaajah-7571	229	9	change	change	NOUN
iaajah-7571	229	10	management	management	NOUN
iaajah-7571	229	11	can	can	AUX
iaajah-7571	229	12	serve	serve	VERB
iaajah-7571	229	13	as	as	ADP
iaajah-7571	229	14	catalysts	catalyst	NOUN
iaajah-7571	229	15	for	for	ADP
iaajah-7571	229	16	digital	digital	ADJ
iaajah-7571	229	17	transformation	transformation	NOUN
iaajah-7571	229	18	in	in	ADP
iaajah-7571	229	19	cooperative	cooperative	ADJ
iaajah-7571	229	20	societies	society	NOUN
iaajah-7571	229	21	.	.	PUNCT
iaajah-7571	230	1	organizational	organizational	ADJ
iaajah-7571	230	2	culture	culture	NOUN
iaajah-7571	230	3	and	and	CCONJ
iaajah-7571	230	4	structure	structure	NOUN
iaajah-7571	230	5	the	the	DET
iaajah-7571	230	6	internal	internal	ADJ
iaajah-7571	230	7	culture	culture	NOUN
iaajah-7571	230	8	of	of	ADP
iaajah-7571	230	9	a	a	DET
iaajah-7571	230	10	cooperative	cooperative	ADJ
iaajah-7571	230	11	influences	influence	NOUN
iaajah-7571	230	12	how	how	SCONJ
iaajah-7571	230	13	readily	readily	ADV
iaajah-7571	230	14	new	new	ADJ
iaajah-7571	230	15	technologies	technology	NOUN
iaajah-7571	230	16	are	be	AUX
iaajah-7571	230	17	accepted	accept	VERB
iaajah-7571	230	18	.	.	PUNCT
iaajah-7571	231	1	organizations	organization	NOUN
iaajah-7571	231	2	with	with	ADP
iaajah-7571	231	3	a	a	DET
iaajah-7571	231	4	hierarchical	hierarchical	ADJ
iaajah-7571	231	5	and	and	CCONJ
iaajah-7571	231	6	rigid	rigid	ADJ
iaajah-7571	231	7	communication	communication	NOUN
iaajah-7571	231	8	style	style	NOUN
iaajah-7571	231	9	may	may	AUX
iaajah-7571	231	10	struggle	struggle	VERB
iaajah-7571	231	11	to	to	PART
iaajah-7571	231	12	adopt	adopt	VERB
iaajah-7571	231	13	participatory	participatory	ADJ
iaajah-7571	231	14	ict	ict	NOUN
iaajah-7571	231	15	tools	tool	NOUN
iaajah-7571	231	16	that	that	PRON
iaajah-7571	231	17	require	require	VERB
iaajah-7571	231	18	open	open	ADJ
iaajah-7571	231	19	sharing	sharing	NOUN
iaajah-7571	231	20	and	and	CCONJ
iaajah-7571	231	21	feedback	feedback	VERB
iaajah-7571	231	22	.	.	PUNCT
iaajah-7571	232	1	in	in	ADP
iaajah-7571	232	2	contrast	contrast	NOUN
iaajah-7571	232	3	,	,	PUNCT
iaajah-7571	232	4	cooperatives	cooperative	NOUN
iaajah-7571	232	5	with	with	ADP
iaajah-7571	232	6	a	a	DET
iaajah-7571	232	7	more	more	ADV
iaajah-7571	232	8	collaborative	collaborative	ADJ
iaajah-7571	232	9	and	and	CCONJ
iaajah-7571	232	10	transparent	transparent	ADJ
iaajah-7571	232	11	culture	culture	NOUN
iaajah-7571	232	12	tend	tend	VERB
iaajah-7571	232	13	to	to	PART
iaajah-7571	232	14	be	be	AUX
iaajah-7571	232	15	more	more	ADV
iaajah-7571	232	16	adaptive	adaptive	ADJ
iaajah-7571	232	17	to	to	ADP
iaajah-7571	232	18	digital	digital	ADJ
iaajah-7571	232	19	innovations	innovation	NOUN
iaajah-7571	232	20	.	.	PUNCT
iaajah-7571	233	1	additionally	additionally	ADV
iaajah-7571	233	2	,	,	PUNCT
iaajah-7571	233	3	the	the	DET
iaajah-7571	233	4	presence	presence	NOUN
iaajah-7571	233	5	of	of	ADP
iaajah-7571	233	6	dedicated	dedicated	ADJ
iaajah-7571	233	7	roles	role	NOUN
iaajah-7571	233	8	such	such	ADJ
iaajah-7571	233	9	as	as	ADP
iaajah-7571	233	10	a	a	DET
iaajah-7571	233	11	communications	communication	NOUN
iaajah-7571	233	12	officer	officer	NOUN
iaajah-7571	233	13	,	,	PUNCT
iaajah-7571	233	14	ict	ict	NOUN
iaajah-7571	233	15	coordinator	coordinator	NOUN
iaajah-7571	233	16	,	,	PUNCT
iaajah-7571	233	17	or	or	CCONJ
iaajah-7571	233	18	digital	digital	ADJ
iaajah-7571	233	19	secretary	secretary	NOUN
iaajah-7571	233	20	can	can	AUX
iaajah-7571	233	21	facilitate	facilitate	VERB
iaajah-7571	233	22	smooth	smooth	ADJ
iaajah-7571	233	23	implementation	implementation	NOUN
iaajah-7571	233	24	of	of	ADP
iaajah-7571	233	25	ict	ict	NOUN
iaajah-7571	233	26	tools	tool	NOUN
iaajah-7571	233	27	.	.	PUNCT
iaajah-7571	234	1	cooperatives	cooperative	NOUN
iaajah-7571	234	2	with	with	ADP
iaajah-7571	234	3	clear	clear	ADJ
iaajah-7571	234	4	information	information	NOUN
iaajah-7571	234	5	flow	flow	NOUN
iaajah-7571	234	6	structures	structure	NOUN
iaajah-7571	234	7	,	,	PUNCT
iaajah-7571	234	8	regular	regular	ADJ
iaajah-7571	234	9	meetings	meeting	NOUN
iaajah-7571	234	10	,	,	PUNCT
iaajah-7571	234	11	and	and	CCONJ
iaajah-7571	234	12	documentation	documentation	NOUN
iaajah-7571	234	13	practices	practice	NOUN
iaajah-7571	234	14	are	be	AUX
iaajah-7571	234	15	more	more	ADV
iaajah-7571	234	16	likely	likely	ADJ
iaajah-7571	234	17	to	to	PART
iaajah-7571	234	18	integrate	integrate	VERB
iaajah-7571	234	19	ict	ict	NOUN
iaajah-7571	234	20	successfully	successfully	ADV
iaajah-7571	234	21	.	.	PUNCT
iaajah-7571	235	1	where	where	SCONJ
iaajah-7571	235	2	cooperative	cooperative	ADJ
iaajah-7571	235	3	societies	society	NOUN
iaajah-7571	235	4	are	be	AUX
iaajah-7571	235	5	fragmented	fragment	VERB
iaajah-7571	235	6	,	,	PUNCT
iaajah-7571	235	7	informal	informal	ADJ
iaajah-7571	235	8	,	,	PUNCT
iaajah-7571	235	9	or	or	CCONJ
iaajah-7571	235	10	lacking	lack	VERB
iaajah-7571	235	11	functional	functional	ADJ
iaajah-7571	235	12	committees	committee	NOUN
iaajah-7571	235	13	,	,	PUNCT
iaajah-7571	235	14	introducing	introduce	VERB
iaajah-7571	235	15	ict	ict	NOUN
iaajah-7571	235	16	tools	tool	NOUN
iaajah-7571	235	17	without	without	ADP
iaajah-7571	235	18	addressing	address	VERB
iaajah-7571	235	19	foundational	foundational	ADJ
iaajah-7571	235	20	structural	structural	ADJ
iaajah-7571	235	21	issues	issue	NOUN
iaajah-7571	235	22	may	may	AUX
iaajah-7571	235	23	yield	yield	VERB
iaajah-7571	235	24	poor	poor	ADJ
iaajah-7571	235	25	results	result	NOUN
iaajah-7571	235	26	.	.	PUNCT
iaajah-7571	236	1	policy	policy	NOUN
iaajah-7571	236	2	environment	environment	NOUN
iaajah-7571	236	3	and	and	CCONJ
iaajah-7571	236	4	institutional	institutional	ADJ
iaajah-7571	236	5	support	support	NOUN
iaajah-7571	236	6	the	the	DET
iaajah-7571	236	7	policy	policy	NOUN
iaajah-7571	236	8	landscape	landscape	NOUN
iaajah-7571	236	9	and	and	CCONJ
iaajah-7571	236	10	institutional	institutional	ADJ
iaajah-7571	236	11	support	support	NOUN
iaajah-7571	236	12	mechanisms	mechanism	NOUN
iaajah-7571	236	13	significantly	significantly	ADV
iaajah-7571	236	14	affect	affect	VERB
iaajah-7571	236	15	ict	ict	PROPN
iaajah-7571	236	16	adoption	adoption	NOUN
iaajah-7571	236	17	.	.	PUNCT
iaajah-7571	237	1	while	while	SCONJ
iaajah-7571	237	2	the	the	DET
iaajah-7571	237	3	nigerian	nigerian	ADJ
iaajah-7571	237	4	government	government	NOUN
iaajah-7571	237	5	has	have	AUX
iaajah-7571	237	6	initiated	initiate	VERB
iaajah-7571	237	7	policies	policy	NOUN
iaajah-7571	237	8	aimed	aim	VERB
iaajah-7571	237	9	at	at	ADP
iaajah-7571	237	10	digital	digital	ADJ
iaajah-7571	237	11	inclusion	inclusion	NOUN
iaajah-7571	237	12	—	—	PUNCT
iaajah-7571	237	13	such	such	ADJ
iaajah-7571	237	14	as	as	ADP
iaajah-7571	237	15	the	the	DET
iaajah-7571	237	16	national	national	ADJ
iaajah-7571	237	17	digital	digital	ADJ
iaajah-7571	237	18	economy	economy	NOUN
iaajah-7571	237	19	policy	policy	NOUN
iaajah-7571	237	20	and	and	CCONJ
iaajah-7571	237	21	strategy	strategy	NOUN
iaajah-7571	237	22	(	(	PUNCT
iaajah-7571	237	23	ndeps	ndep	NOUN
iaajah-7571	237	24	)	)	PUNCT
iaajah-7571	237	25	cooperatives	cooperative	NOUN
iaajah-7571	237	26	are	be	AUX
iaajah-7571	237	27	rarely	rarely	ADV
iaajah-7571	237	28	the	the	DET
iaajah-7571	237	29	direct	direct	ADJ
iaajah-7571	237	30	focus	focus	NOUN
iaajah-7571	237	31	of	of	ADP
iaajah-7571	237	32	such	such	ADJ
iaajah-7571	237	33	initiatives	initiative	NOUN
iaajah-7571	237	34	(	(	PUNCT
iaajah-7571	237	35	federal	federal	PROPN
iaajah-7571	237	36	ministry	ministry	PROPN
iaajah-7571	237	37	of	of	ADP
iaajah-7571	237	38	communications	communication	NOUN
iaajah-7571	237	39	and	and	CCONJ
iaajah-7571	237	40	digital	digital	ADJ
iaajah-7571	237	41	economy	economy	NOUN
iaajah-7571	237	42	,	,	PUNCT
iaajah-7571	237	43	2020	2020	NUM
iaajah-7571	237	44	)	)	PUNCT
iaajah-7571	237	45	.	.	PUNCT
iaajah-7571	238	1	igwebuike	igwebuike	NOUN
iaajah-7571	238	2	:	:	PUNCT
iaajah-7571	238	3	an	an	DET
iaajah-7571	238	4	african	african	ADJ
iaajah-7571	238	5	journal	journal	NOUN
iaajah-7571	238	6	of	of	ADP
iaajah-7571	238	7	arts	art	NOUN
iaajah-7571	238	8	and	and	CCONJ
iaajah-7571	238	9	humanities	humanity	NOUN
iaajah-7571	238	10	vol	vol	NOUN
iaajah-7571	238	11	.	.	PUNCT
iaajah-7571	239	1	11	11	NUM
iaajah-7571	239	2	.	.	PUNCT
iaajah-7571	240	1	no	no	INTJ
iaajah-7571	240	2	.	.	NOUN
iaajah-7571	240	3	7	7	NUM
iaajah-7571	240	4	,	,	PUNCT
iaajah-7571	240	5	(	(	PUNCT
iaajah-7571	240	6	2025	2025	NUM
iaajah-7571	240	7	)	)	PUNCT
iaajah-7571	240	8	issn	issn	PROPN
iaajah-7571	240	9	:	:	PUNCT
iaajah-7571	240	10	24889210	24889210	NUM
iaajah-7571	240	11	(	(	PUNCT
iaajah-7571	240	12	print	print	NOUN
iaajah-7571	240	13	)	)	PUNCT
iaajah-7571	240	14	2504	2504	NUM
iaajah-7571	240	15	-	-	SYM
iaajah-7571	240	16	9038	9038	NUM
iaajah-7571	240	17	(	(	PUNCT
iaajah-7571	240	18	online	online	NOUN
iaajah-7571	240	19	)	)	PUNCT
iaajah-7571	240	20	dept	dept	NOUN
iaajah-7571	240	21	.	.	PROPN
iaajah-7571	241	1	of	of	ADP
iaajah-7571	241	2	philosophy	philosophy	NOUN
iaajah-7571	241	3	and	and	CCONJ
iaajah-7571	241	4	religious	religious	ADJ
iaajah-7571	241	5	studies	study	NOUN
iaajah-7571	241	6	,	,	PUNCT
iaajah-7571	241	7	tansian	tansian	PROPN
iaajah-7571	241	8	university	university	PROPN
iaajah-7571	241	9	umunya	umunya	PROPN
iaajah-7571	241	10	indexed	indexed	PROPN
iaajah-7571	241	11	:	:	PUNCT
iaajah-7571	241	12	academic	academic	ADJ
iaajah-7571	241	13	journals	journal	NOUN
iaajah-7571	241	14	online	online	ADV
iaajah-7571	241	15	,	,	PUNCT
iaajah-7571	241	16	google	google	PROPN
iaajah-7571	241	17	scholar	scholar	NOUN
iaajah-7571	241	18	,	,	PUNCT
iaajah-7571	241	19	igwebuike	igwebuike	PROPN
iaajah-7571	241	20	research	research	PROPN
iaajah-7571	241	21	institute	institute	PROPN
iaajah-7571	241	22	71	71	NUM
iaajah-7571	241	23	similarly	similarly	ADV
iaajah-7571	241	24	,	,	PUNCT
iaajah-7571	241	25	state	state	NOUN
iaajah-7571	241	26	and	and	CCONJ
iaajah-7571	241	27	local	local	ADJ
iaajah-7571	241	28	cooperative	cooperative	ADJ
iaajah-7571	241	29	departments	department	NOUN
iaajah-7571	241	30	often	often	ADV
iaajah-7571	241	31	lack	lack	VERB
iaajah-7571	241	32	the	the	DET
iaajah-7571	241	33	capacity	capacity	NOUN
iaajah-7571	241	34	or	or	CCONJ
iaajah-7571	241	35	funding	funding	NOUN
iaajah-7571	241	36	to	to	PART
iaajah-7571	241	37	drive	drive	VERB
iaajah-7571	241	38	ict	ict	NOUN
iaajah-7571	241	39	training	training	NOUN
iaajah-7571	241	40	or	or	CCONJ
iaajah-7571	241	41	digital	digital	ADJ
iaajah-7571	241	42	resource	resource	NOUN
iaajah-7571	241	43	provision	provision	NOUN
iaajah-7571	241	44	for	for	ADP
iaajah-7571	241	45	cooperatives	cooperative	NOUN
iaajah-7571	241	46	.	.	PUNCT
iaajah-7571	242	1	in	in	ADP
iaajah-7571	242	2	some	some	DET
iaajah-7571	242	3	regions	region	NOUN
iaajah-7571	242	4	,	,	PUNCT
iaajah-7571	242	5	cooperative	cooperative	ADJ
iaajah-7571	242	6	officers	officer	NOUN
iaajah-7571	242	7	are	be	AUX
iaajah-7571	242	8	themselves	themselves	PRON
iaajah-7571	242	9	unfamiliar	unfamiliar	ADJ
iaajah-7571	242	10	with	with	ADP
iaajah-7571	242	11	modern	modern	ADJ
iaajah-7571	242	12	ict	ict	NOUN
iaajah-7571	242	13	tools	tool	NOUN
iaajah-7571	242	14	.	.	PUNCT
iaajah-7571	243	1	greater	great	ADJ
iaajah-7571	243	2	collaboration	collaboration	NOUN
iaajah-7571	243	3	is	be	AUX
iaajah-7571	243	4	needed	need	VERB
iaajah-7571	243	5	between	between	ADP
iaajah-7571	243	6	government	government	NOUN
iaajah-7571	243	7	agencies	agency	NOUN
iaajah-7571	243	8	,	,	PUNCT
iaajah-7571	243	9	cooperative	cooperative	ADJ
iaajah-7571	243	10	federations	federation	NOUN
iaajah-7571	243	11	,	,	PUNCT
iaajah-7571	243	12	ngos	ngo	NOUN
iaajah-7571	243	13	,	,	PUNCT
iaajah-7571	243	14	and	and	CCONJ
iaajah-7571	243	15	ict	ict	PROPN
iaajah-7571	243	16	service	service	NOUN
iaajah-7571	243	17	providers	provider	NOUN
iaajah-7571	243	18	to	to	PART
iaajah-7571	243	19	design	design	VERB
iaajah-7571	243	20	cooperative	cooperative	ADJ
iaajah-7571	243	21	-	-	PUNCT
iaajah-7571	243	22	specific	specific	ADJ
iaajah-7571	243	23	digital	digital	ADJ
iaajah-7571	243	24	transformation	transformation	NOUN
iaajah-7571	243	25	programs	program	NOUN
iaajah-7571	243	26	,	,	PUNCT
iaajah-7571	243	27	policy	policy	NOUN
iaajah-7571	243	28	frameworks	framework	NOUN
iaajah-7571	243	29	,	,	PUNCT
iaajah-7571	243	30	and	and	CCONJ
iaajah-7571	243	31	regulatory	regulatory	ADJ
iaajah-7571	243	32	incentives	incentive	NOUN
iaajah-7571	243	33	.	.	PUNCT
iaajah-7571	244	1	peer	peer	NOUN
iaajah-7571	244	2	influence	influence	NOUN
iaajah-7571	244	3	and	and	CCONJ
iaajah-7571	244	4	social	social	ADJ
iaajah-7571	244	5	norms	norm	NOUN
iaajah-7571	244	6	the	the	DET
iaajah-7571	244	7	adoption	adoption	NOUN
iaajah-7571	244	8	of	of	ADP
iaajah-7571	244	9	ict	ict	NOUN
iaajah-7571	244	10	tools	tool	NOUN
iaajah-7571	244	11	in	in	ADP
iaajah-7571	244	12	cooperatives	cooperative	NOUN
iaajah-7571	244	13	is	be	AUX
iaajah-7571	244	14	often	often	ADV
iaajah-7571	244	15	influenced	influence	VERB
iaajah-7571	244	16	by	by	ADP
iaajah-7571	244	17	peer	peer	NOUN
iaajah-7571	244	18	learning	learning	NOUN
iaajah-7571	244	19	and	and	CCONJ
iaajah-7571	244	20	social	social	ADJ
iaajah-7571	244	21	validation	validation	NOUN
iaajah-7571	244	22	.	.	PUNCT
iaajah-7571	245	1	according	accord	VERB
iaajah-7571	245	2	to	to	ADP
iaajah-7571	245	3	rogers	rogers	PROPN
iaajah-7571	245	4	’	'	PUNCT
iaajah-7571	245	5	(	(	PUNCT
iaajah-7571	245	6	2003	2003	NUM
iaajah-7571	245	7	)	)	PUNCT
iaajah-7571	245	8	diffusion	diffusion	NOUN
iaajah-7571	245	9	of	of	ADP
iaajah-7571	245	10	innovations	innovation	NOUN
iaajah-7571	245	11	theory	theory	NOUN
iaajah-7571	245	12	,	,	PUNCT
iaajah-7571	245	13	individuals	individual	NOUN
iaajah-7571	245	14	are	be	AUX
iaajah-7571	245	15	more	more	ADV
iaajah-7571	245	16	likely	likely	ADJ
iaajah-7571	245	17	to	to	PART
iaajah-7571	245	18	adopt	adopt	VERB
iaajah-7571	245	19	an	an	DET
iaajah-7571	245	20	innovation	innovation	NOUN
iaajah-7571	245	21	when	when	SCONJ
iaajah-7571	245	22	they	they	PRON
iaajah-7571	245	23	observe	observe	VERB
iaajah-7571	245	24	peers	peer	NOUN
iaajah-7571	245	25	or	or	CCONJ
iaajah-7571	245	26	opinion	opinion	NOUN
iaajah-7571	245	27	leaders	leader	NOUN
iaajah-7571	245	28	successfully	successfully	ADV
iaajah-7571	245	29	using	use	VERB
iaajah-7571	245	30	it	it	PRON
iaajah-7571	245	31	.	.	PUNCT
iaajah-7571	246	1	in	in	ADP
iaajah-7571	246	2	cooperatives	cooperative	NOUN
iaajah-7571	246	3	,	,	PUNCT
iaajah-7571	246	4	this	this	PRON
iaajah-7571	246	5	may	may	AUX
iaajah-7571	246	6	include	include	VERB
iaajah-7571	246	7	executive	executive	ADJ
iaajah-7571	246	8	members	member	NOUN
iaajah-7571	246	9	who	who	PRON
iaajah-7571	246	10	introduce	introduce	VERB
iaajah-7571	246	11	whatsapp	whatsapp	ADJ
iaajah-7571	246	12	communication	communication	NOUN
iaajah-7571	246	13	,	,	PUNCT
iaajah-7571	246	14	younger	young	ADJ
iaajah-7571	246	15	members	member	NOUN
iaajah-7571	246	16	who	who	PRON
iaajah-7571	246	17	assist	assist	VERB
iaajah-7571	246	18	older	old	ADJ
iaajah-7571	246	19	ones	one	NOUN
iaajah-7571	246	20	with	with	ADP
iaajah-7571	246	21	mobile	mobile	ADJ
iaajah-7571	246	22	banking	banking	NOUN
iaajah-7571	246	23	,	,	PUNCT
iaajah-7571	246	24	or	or	CCONJ
iaajah-7571	246	25	sister	sister	NOUN
iaajah-7571	246	26	cooperatives	cooperative	NOUN
iaajah-7571	246	27	that	that	PRON
iaajah-7571	246	28	demonstrate	demonstrate	VERB
iaajah-7571	246	29	best	good	ADJ
iaajah-7571	246	30	practices	practice	NOUN
iaajah-7571	246	31	in	in	ADP
iaajah-7571	246	32	digital	digital	ADJ
iaajah-7571	246	33	communication	communication	NOUN
iaajah-7571	246	34	.	.	PUNCT
iaajah-7571	247	1	when	when	SCONJ
iaajah-7571	247	2	early	early	ADJ
iaajah-7571	247	3	adopters	adopter	NOUN
iaajah-7571	247	4	within	within	ADP
iaajah-7571	247	5	a	a	DET
iaajah-7571	247	6	cooperative	cooperative	ADJ
iaajah-7571	247	7	set	set	VERB
iaajah-7571	247	8	positive	positive	ADJ
iaajah-7571	247	9	example	example	NOUN
iaajah-7571	247	10	such	such	ADJ
iaajah-7571	247	11	as	as	ADP
iaajah-7571	247	12	resolving	resolve	VERB
iaajah-7571	247	13	issues	issue	NOUN
iaajah-7571	247	14	faster	fast	ADV
iaajah-7571	247	15	through	through	ADP
iaajah-7571	247	16	group	group	NOUN
iaajah-7571	247	17	chats	chat	NOUN
iaajah-7571	247	18	or	or	CCONJ
iaajah-7571	247	19	reducing	reduce	VERB
iaajah-7571	247	20	meeting	meeting	NOUN
iaajah-7571	247	21	costs	cost	NOUN
iaajah-7571	247	22	through	through	ADP
iaajah-7571	247	23	zoom	zoom	VERB
iaajah-7571	247	24	other	other	ADJ
iaajah-7571	247	25	members	member	NOUN
iaajah-7571	247	26	gradually	gradually	ADV
iaajah-7571	247	27	buy	buy	VERB
iaajah-7571	247	28	in	in	ADV
iaajah-7571	247	29	.	.	PUNCT
iaajah-7571	248	1	however	however	ADV
iaajah-7571	248	2	,	,	PUNCT
iaajah-7571	248	3	if	if	SCONJ
iaajah-7571	248	4	ict	ict	NOUN
iaajah-7571	248	5	use	use	NOUN
iaajah-7571	248	6	is	be	AUX
iaajah-7571	248	7	associated	associate	VERB
iaajah-7571	248	8	with	with	ADP
iaajah-7571	248	9	elitism	elitism	NOUN
iaajah-7571	248	10	,	,	PUNCT
iaajah-7571	248	11	complexity	complexity	NOUN
iaajah-7571	248	12	,	,	PUNCT
iaajah-7571	248	13	or	or	CCONJ
iaajah-7571	248	14	exclusion	exclusion	NOUN
iaajah-7571	248	15	,	,	PUNCT
iaajah-7571	248	16	adoption	adoption	NOUN
iaajah-7571	248	17	is	be	AUX
iaajah-7571	248	18	likely	likely	ADJ
iaajah-7571	248	19	to	to	PART
iaajah-7571	248	20	be	be	AUX
iaajah-7571	248	21	resisted	resist	VERB
iaajah-7571	248	22	.	.	PUNCT
iaajah-7571	249	1	hence	hence	ADV
iaajah-7571	249	2	,	,	PUNCT
iaajah-7571	249	3	fostering	foster	VERB
iaajah-7571	249	4	a	a	DET
iaajah-7571	249	5	culture	culture	NOUN
iaajah-7571	249	6	of	of	ADP
iaajah-7571	249	7	shared	shared	ADJ
iaajah-7571	249	8	learning	learning	NOUN
iaajah-7571	249	9	,	,	PUNCT
iaajah-7571	249	10	inclusiveness	inclusiveness	NOUN
iaajah-7571	249	11	,	,	PUNCT
iaajah-7571	249	12	and	and	CCONJ
iaajah-7571	249	13	peer	peer	NOUN
iaajah-7571	249	14	mentorship	mentorship	NOUN
iaajah-7571	249	15	is	be	AUX
iaajah-7571	249	16	crucial	crucial	ADJ
iaajah-7571	249	17	for	for	ADP
iaajah-7571	249	18	building	build	VERB
iaajah-7571	249	19	confidence	confidence	NOUN
iaajah-7571	249	20	and	and	CCONJ
iaajah-7571	249	21	sustained	sustain	VERB
iaajah-7571	249	22	ict	ict	NOUN
iaajah-7571	249	23	usage	usage	NOUN
iaajah-7571	249	24	.	.	PUNCT
iaajah-7571	250	1	6	6	X
iaajah-7571	250	2	.	.	X
iaajah-7571	250	3	benefits	benefit	NOUN
iaajah-7571	250	4	of	of	ADP
iaajah-7571	250	5	ict	ict	PROPN
iaajah-7571	250	6	adoption	adoption	NOUN
iaajah-7571	250	7	in	in	ADP
iaajah-7571	250	8	nigerian	nigerian	ADJ
iaajah-7571	250	9	cooperatives	cooperative	NOUN
iaajah-7571	250	10	the	the	DET
iaajah-7571	250	11	integration	integration	NOUN
iaajah-7571	250	12	of	of	ADP
iaajah-7571	250	13	information	information	NOUN
iaajah-7571	250	14	and	and	CCONJ
iaajah-7571	250	15	communication	communication	NOUN
iaajah-7571	250	16	technology	technology	NOUN
iaajah-7571	250	17	(	(	PUNCT
iaajah-7571	250	18	ict	ict	PROPN
iaajah-7571	250	19	)	)	PUNCT
iaajah-7571	250	20	into	into	ADP
iaajah-7571	250	21	cooperative	cooperative	ADJ
iaajah-7571	250	22	societies	society	NOUN
iaajah-7571	250	23	’	'	PUNCT
iaajah-7571	250	24	internal	internal	ADJ
iaajah-7571	250	25	communication	communication	NOUN
iaajah-7571	250	26	systems	system	NOUN
iaajah-7571	250	27	has	have	AUX
iaajah-7571	250	28	brought	bring	VERB
iaajah-7571	250	29	about	about	ADP
iaajah-7571	250	30	notable	notable	ADJ
iaajah-7571	250	31	improvements	improvement	NOUN
iaajah-7571	250	32	in	in	ADP
iaajah-7571	250	33	organizational	organizational	ADJ
iaajah-7571	250	34	efficiency	efficiency	NOUN
iaajah-7571	250	35	,	,	PUNCT
iaajah-7571	250	36	transparency	transparency	NOUN
iaajah-7571	250	37	,	,	PUNCT
iaajah-7571	250	38	participation	participation	NOUN
iaajah-7571	250	39	,	,	PUNCT
iaajah-7571	250	40	and	and	CCONJ
iaajah-7571	250	41	overall	overall	ADJ
iaajah-7571	250	42	productivity	productivity	NOUN
iaajah-7571	250	43	.	.	PUNCT
iaajah-7571	251	1	while	while	SCONJ
iaajah-7571	251	2	challenges	challenge	NOUN
iaajah-7571	251	3	remain	remain	VERB
iaajah-7571	251	4	,	,	PUNCT
iaajah-7571	251	5	the	the	DET
iaajah-7571	251	6	benefits	benefit	NOUN
iaajah-7571	251	7	of	of	ADP
iaajah-7571	251	8	ict	ict	NOUN
iaajah-7571	251	9	adoption	adoption	NOUN
iaajah-7571	251	10	are	be	AUX
iaajah-7571	251	11	increasingly	increasingly	ADV
iaajah-7571	251	12	evident	evident	ADJ
iaajah-7571	251	13	across	across	ADP
iaajah-7571	251	14	many	many	ADJ
iaajah-7571	251	15	cooperatives	cooperative	NOUN
iaajah-7571	251	16	in	in	ADP
iaajah-7571	251	17	nigeria	nigeria	PROPN
iaajah-7571	251	18	especially	especially	ADV
iaajah-7571	251	19	those	those	PRON
iaajah-7571	251	20	that	that	PRON
iaajah-7571	251	21	have	have	AUX
iaajah-7571	251	22	embraced	embrace	VERB
iaajah-7571	251	23	innovation	innovation	NOUN
iaajah-7571	251	24	and	and	CCONJ
iaajah-7571	251	25	digital	digital	ADJ
iaajah-7571	251	26	engagement	engagement	NOUN
iaajah-7571	251	27	.	.	PUNCT
iaajah-7571	252	1	this	this	DET
iaajah-7571	252	2	section	section	NOUN
iaajah-7571	252	3	outlines	outline	VERB
iaajah-7571	252	4	the	the	DET
iaajah-7571	252	5	key	key	ADJ
iaajah-7571	252	6	advantages	advantage	NOUN
iaajah-7571	252	7	that	that	PRON
iaajah-7571	252	8	ict	ict	NOUN
iaajah-7571	252	9	tools	tool	NOUN
iaajah-7571	252	10	offer	offer	VERB
iaajah-7571	252	11	to	to	ADP
iaajah-7571	252	12	cooperative	cooperative	ADJ
iaajah-7571	252	13	societies	society	NOUN
iaajah-7571	252	14	in	in	ADP
iaajah-7571	252	15	their	their	PRON
iaajah-7571	252	16	quest	quest	NOUN
iaajah-7571	252	17	for	for	ADP
iaajah-7571	252	18	growth	growth	NOUN
iaajah-7571	252	19	,	,	PUNCT
iaajah-7571	252	20	inclusiveness	inclusiveness	NOUN
iaajah-7571	252	21	,	,	PUNCT
iaajah-7571	252	22	and	and	CCONJ
iaajah-7571	252	23	sustainability	sustainability	NOUN
iaajah-7571	252	24	.	.	PUNCT
iaajah-7571	253	1	improved	improve	VERB
iaajah-7571	253	2	speed	speed	NOUN
iaajah-7571	253	3	and	and	CCONJ
iaajah-7571	253	4	timeliness	timeliness	NOUN
iaajah-7571	253	5	of	of	ADP
iaajah-7571	253	6	communication	communication	NOUN
iaajah-7571	253	7	one	one	NUM
iaajah-7571	253	8	of	of	ADP
iaajah-7571	253	9	the	the	DET
iaajah-7571	253	10	most	most	ADV
iaajah-7571	253	11	immediate	immediate	ADJ
iaajah-7571	253	12	benefits	benefit	NOUN
iaajah-7571	253	13	of	of	ADP
iaajah-7571	253	14	ict	ict	NOUN
iaajah-7571	253	15	adoption	adoption	NOUN
iaajah-7571	253	16	is	be	AUX
iaajah-7571	253	17	the	the	DET
iaajah-7571	253	18	enhanced	enhanced	ADJ
iaajah-7571	253	19	speed	speed	NOUN
iaajah-7571	253	20	of	of	ADP
iaajah-7571	253	21	information	information	NOUN
iaajah-7571	253	22	dissemination	dissemination	NOUN
iaajah-7571	253	23	.	.	PUNCT
iaajah-7571	254	1	traditional	traditional	ADJ
iaajah-7571	254	2	communication	communication	NOUN
iaajah-7571	254	3	methods	method	NOUN
iaajah-7571	254	4	such	such	ADJ
iaajah-7571	254	5	as	as	ADP
iaajah-7571	254	6	physical	physical	ADJ
iaajah-7571	254	7	meetings	meeting	NOUN
iaajah-7571	254	8	,	,	PUNCT
iaajah-7571	254	9	notice	notice	NOUN
iaajah-7571	254	10	boards	board	NOUN
iaajah-7571	254	11	,	,	PUNCT
iaajah-7571	254	12	and	and	CCONJ
iaajah-7571	254	13	printed	print	VERB
iaajah-7571	254	14	memos	memo	NOUN
iaajah-7571	254	15	are	be	AUX
iaajah-7571	254	16	often	often	ADV
iaajah-7571	254	17	subject	subject	ADJ
iaajah-7571	254	18	to	to	ADP
iaajah-7571	254	19	delays	delay	NOUN
iaajah-7571	254	20	,	,	PUNCT
iaajah-7571	254	21	logistical	logistical	ADJ
iaajah-7571	254	22	bottlenecks	bottleneck	NOUN
iaajah-7571	254	23	,	,	PUNCT
iaajah-7571	254	24	and	and	CCONJ
iaajah-7571	254	25	limited	limited	ADJ
iaajah-7571	254	26	reach	reach	NOUN
iaajah-7571	254	27	.	.	PUNCT
iaajah-7571	255	1	ict	ict	NOUN
iaajah-7571	255	2	tools	tool	NOUN
iaajah-7571	255	3	particularly	particularly	ADV
iaajah-7571	255	4	mobile	mobile	ADJ
iaajah-7571	255	5	phones	phone	NOUN
iaajah-7571	255	6	,	,	PUNCT
iaajah-7571	255	7	sms	sms	PROPN
iaajah-7571	255	8	,	,	PUNCT
iaajah-7571	255	9	and	and	CCONJ
iaajah-7571	255	10	instant	instant	ADJ
iaajah-7571	255	11	messaging	messaging	NOUN
iaajah-7571	255	12	platforms	platform	NOUN
iaajah-7571	255	13	like	like	ADP
iaajah-7571	255	14	whatsapp	whatsapp	NOUN
iaajah-7571	255	15	enable	enable	VERB
iaajah-7571	255	16	cooperative	cooperative	ADJ
iaajah-7571	255	17	leaders	leader	NOUN
iaajah-7571	255	18	to	to	PART
iaajah-7571	255	19	share	share	VERB
iaajah-7571	255	20	updates	update	NOUN
iaajah-7571	255	21	with	with	ADP
iaajah-7571	255	22	members	member	NOUN
iaajah-7571	255	23	instantly	instantly	ADV
iaajah-7571	255	24	,	,	PUNCT
iaajah-7571	255	25	regardless	regardless	ADV
iaajah-7571	255	26	of	of	ADP
iaajah-7571	255	27	location	location	NOUN
iaajah-7571	255	28	.	.	PUNCT
iaajah-7571	256	1	for	for	ADP
iaajah-7571	256	2	example	example	NOUN
iaajah-7571	256	3	,	,	PUNCT
iaajah-7571	256	4	a	a	DET
iaajah-7571	256	5	loan	loan	NOUN
iaajah-7571	256	6	committee	committee	NOUN
iaajah-7571	256	7	can	can	AUX
iaajah-7571	256	8	use	use	VERB
iaajah-7571	256	9	a	a	DET
iaajah-7571	256	10	whatsapp	whatsapp	NOUN
iaajah-7571	256	11	group	group	NOUN
iaajah-7571	256	12	to	to	PART
iaajah-7571	256	13	schedule	schedule	VERB
iaajah-7571	256	14	an	an	DET
iaajah-7571	256	15	emergency	emergency	NOUN
iaajah-7571	256	16	meeting	meeting	NOUN
iaajah-7571	256	17	,	,	PUNCT
iaajah-7571	256	18	send	send	VERB
iaajah-7571	256	19	reminders	reminder	NOUN
iaajah-7571	256	20	about	about	ADP
iaajah-7571	256	21	payment	payment	NOUN
iaajah-7571	256	22	deadlines	deadline	NOUN
iaajah-7571	256	23	,	,	PUNCT
iaajah-7571	256	24	or	or	CCONJ
iaajah-7571	256	25	share	share	VERB
iaajah-7571	256	26	documents	document	NOUN
iaajah-7571	256	27	in	in	ADP
iaajah-7571	256	28	real	real	ADJ
iaajah-7571	256	29	time	time	NOUN
iaajah-7571	256	30	.	.	PUNCT
iaajah-7571	257	1	such	such	ADJ
iaajah-7571	257	2	tools	tool	NOUN
iaajah-7571	257	3	eliminate	eliminate	VERB
iaajah-7571	257	4	the	the	DET
iaajah-7571	257	5	igwebuike	igwebuike	NOUN
iaajah-7571	257	6	:	:	PUNCT
iaajah-7571	257	7	an	an	DET
iaajah-7571	257	8	african	african	ADJ
iaajah-7571	257	9	journal	journal	NOUN
iaajah-7571	257	10	of	of	ADP
iaajah-7571	257	11	arts	art	NOUN
iaajah-7571	257	12	and	and	CCONJ
iaajah-7571	257	13	humanities	humanity	NOUN
iaajah-7571	257	14	vol	vol	NOUN
iaajah-7571	257	15	.	.	PUNCT
iaajah-7571	258	1	11	11	NUM
iaajah-7571	258	2	.	.	PUNCT
iaajah-7571	259	1	no	no	INTJ
iaajah-7571	259	2	.	.	NOUN
iaajah-7571	259	3	7	7	NUM
iaajah-7571	259	4	,	,	PUNCT
iaajah-7571	259	5	(	(	PUNCT
iaajah-7571	259	6	2025	2025	NUM
iaajah-7571	259	7	)	)	PUNCT
iaajah-7571	259	8	issn	issn	PROPN
iaajah-7571	259	9	:	:	PUNCT
iaajah-7571	259	10	24889210	24889210	NUM
iaajah-7571	259	11	(	(	PUNCT
iaajah-7571	259	12	print	print	NOUN
iaajah-7571	259	13	)	)	PUNCT
iaajah-7571	259	14	2504	2504	NUM
iaajah-7571	259	15	-	-	SYM
iaajah-7571	259	16	9038	9038	NUM
iaajah-7571	259	17	(	(	PUNCT
iaajah-7571	259	18	online	online	NOUN
iaajah-7571	259	19	)	)	PUNCT
iaajah-7571	259	20	dept	dept	NOUN
iaajah-7571	259	21	.	.	PROPN
iaajah-7571	260	1	of	of	ADP
iaajah-7571	260	2	philosophy	philosophy	NOUN
iaajah-7571	260	3	and	and	CCONJ
iaajah-7571	260	4	religious	religious	ADJ
iaajah-7571	260	5	studies	study	NOUN
iaajah-7571	260	6	,	,	PUNCT
iaajah-7571	260	7	tansian	tansian	PROPN
iaajah-7571	260	8	university	university	PROPN
iaajah-7571	260	9	umunya	umunya	PROPN
iaajah-7571	260	10	indexed	indexed	PROPN
iaajah-7571	260	11	:	:	PUNCT
iaajah-7571	260	12	academic	academic	ADJ
iaajah-7571	260	13	journals	journal	NOUN
iaajah-7571	260	14	online	online	ADV
iaajah-7571	260	15	,	,	PUNCT
iaajah-7571	260	16	google	google	PROPN
iaajah-7571	260	17	scholar	scholar	NOUN
iaajah-7571	260	18	,	,	PUNCT
iaajah-7571	260	19	igwebuike	igwebuike	PROPN
iaajah-7571	260	20	research	research	PROPN
iaajah-7571	260	21	institute	institute	PROPN
iaajah-7571	260	22	72	72	NUM
iaajah-7571	260	23	need	need	NOUN
iaajah-7571	260	24	for	for	ADP
iaajah-7571	260	25	travel	travel	NOUN
iaajah-7571	260	26	or	or	CCONJ
iaajah-7571	260	27	printed	print	VERB
iaajah-7571	260	28	materials	material	NOUN
iaajah-7571	260	29	,	,	PUNCT
iaajah-7571	260	30	thereby	thereby	ADV
iaajah-7571	260	31	speeding	speed	VERB
iaajah-7571	260	32	up	up	ADP
iaajah-7571	260	33	decision	decision	NOUN
iaajah-7571	260	34	-	-	PUNCT
iaajah-7571	260	35	making	make	VERB
iaajah-7571	260	36	and	and	CCONJ
iaajah-7571	260	37	improving	improve	VERB
iaajah-7571	260	38	the	the	DET
iaajah-7571	260	39	responsiveness	responsiveness	NOUN
iaajah-7571	260	40	of	of	ADP
iaajah-7571	260	41	cooperative	cooperative	ADJ
iaajah-7571	260	42	management	management	NOUN
iaajah-7571	260	43	.	.	PUNCT
iaajah-7571	261	1	timely	timely	ADJ
iaajah-7571	261	2	communication	communication	NOUN
iaajah-7571	261	3	also	also	ADV
iaajah-7571	261	4	enhances	enhance	VERB
iaajah-7571	261	5	operational	operational	ADJ
iaajah-7571	261	6	efficiency	efficiency	NOUN
iaajah-7571	261	7	by	by	ADP
iaajah-7571	261	8	reducing	reduce	VERB
iaajah-7571	261	9	lags	lag	NOUN
iaajah-7571	261	10	in	in	ADP
iaajah-7571	261	11	financial	financial	ADJ
iaajah-7571	261	12	reporting	reporting	NOUN
iaajah-7571	261	13	,	,	PUNCT
iaajah-7571	261	14	project	project	NOUN
iaajah-7571	261	15	implementation	implementation	NOUN
iaajah-7571	261	16	,	,	PUNCT
iaajah-7571	261	17	and	and	CCONJ
iaajah-7571	261	18	crisis	crisis	NOUN
iaajah-7571	261	19	response	response	NOUN
iaajah-7571	261	20	particularly	particularly	ADV
iaajah-7571	261	21	important	important	ADJ
iaajah-7571	261	22	in	in	ADP
iaajah-7571	261	23	cooperatives	cooperative	NOUN
iaajah-7571	261	24	that	that	PRON
iaajah-7571	261	25	handle	handle	VERB
iaajah-7571	261	26	multiple	multiple	ADJ
iaajah-7571	261	27	member	member	NOUN
iaajah-7571	261	28	transactions	transaction	NOUN
iaajah-7571	261	29	or	or	CCONJ
iaajah-7571	261	30	seasonal	seasonal	ADJ
iaajah-7571	261	31	farming	farming	NOUN
iaajah-7571	261	32	cycles	cycle	NOUN
iaajah-7571	261	33	.	.	PUNCT
iaajah-7571	262	1	greater	great	ADJ
iaajah-7571	262	2	transparency	transparency	NOUN
iaajah-7571	262	3	and	and	CCONJ
iaajah-7571	262	4	accountability	accountability	NOUN
iaajah-7571	262	5	transparency	transparency	NOUN
iaajah-7571	262	6	is	be	AUX
iaajah-7571	262	7	a	a	DET
iaajah-7571	262	8	core	core	ADJ
iaajah-7571	262	9	principle	principle	NOUN
iaajah-7571	262	10	of	of	ADP
iaajah-7571	262	11	cooperative	cooperative	ADJ
iaajah-7571	262	12	governance	governance	NOUN
iaajah-7571	262	13	.	.	PUNCT
iaajah-7571	263	1	ict	ict	NOUN
iaajah-7571	263	2	tools	tool	NOUN
iaajah-7571	263	3	help	help	VERB
iaajah-7571	263	4	strengthen	strengthen	VERB
iaajah-7571	263	5	transparency	transparency	NOUN
iaajah-7571	263	6	by	by	ADP
iaajah-7571	263	7	creating	create	VERB
iaajah-7571	263	8	clear	clear	ADJ
iaajah-7571	263	9	communication	communication	NOUN
iaajah-7571	263	10	channels	channel	NOUN
iaajah-7571	263	11	and	and	CCONJ
iaajah-7571	263	12	digital	digital	ADJ
iaajah-7571	263	13	trails	trail	NOUN
iaajah-7571	263	14	that	that	PRON
iaajah-7571	263	15	can	can	AUX
iaajah-7571	263	16	be	be	AUX
iaajah-7571	263	17	referenced	reference	VERB
iaajah-7571	263	18	at	at	ADP
iaajah-7571	263	19	any	any	DET
iaajah-7571	263	20	time	time	NOUN
iaajah-7571	263	21	.	.	PUNCT
iaajah-7571	264	1	platforms	platform	NOUN
iaajah-7571	264	2	like	like	ADP
iaajah-7571	264	3	email	email	NOUN
iaajah-7571	264	4	,	,	PUNCT
iaajah-7571	264	5	group	group	NOUN
iaajah-7571	264	6	messaging	messaging	NOUN
iaajah-7571	264	7	apps	app	NOUN
iaajah-7571	264	8	,	,	PUNCT
iaajah-7571	264	9	and	and	CCONJ
iaajah-7571	264	10	cooperative	cooperative	ADJ
iaajah-7571	264	11	management	management	NOUN
iaajah-7571	264	12	systems	system	NOUN
iaajah-7571	264	13	allow	allow	VERB
iaajah-7571	264	14	for	for	ADP
iaajah-7571	264	15	the	the	DET
iaajah-7571	264	16	regular	regular	ADJ
iaajah-7571	264	17	circulation	circulation	NOUN
iaajah-7571	264	18	of	of	ADP
iaajah-7571	264	19	financial	financial	ADJ
iaajah-7571	264	20	reports	report	NOUN
iaajah-7571	264	21	,	,	PUNCT
iaajah-7571	264	22	meeting	meet	VERB
iaajah-7571	264	23	minutes	minute	NOUN
iaajah-7571	264	24	,	,	PUNCT
iaajah-7571	264	25	audit	audit	NOUN
iaajah-7571	264	26	findings	finding	NOUN
iaajah-7571	264	27	,	,	PUNCT
iaajah-7571	264	28	and	and	CCONJ
iaajah-7571	264	29	policy	policy	NOUN
iaajah-7571	264	30	updates	update	NOUN
iaajah-7571	264	31	.	.	PUNCT
iaajah-7571	265	1	the	the	DET
iaajah-7571	265	2	availability	availability	NOUN
iaajah-7571	265	3	of	of	ADP
iaajah-7571	265	4	such	such	ADJ
iaajah-7571	265	5	information	information	NOUN
iaajah-7571	265	6	fosters	foster	VERB
iaajah-7571	265	7	accountability	accountability	NOUN
iaajah-7571	265	8	,	,	PUNCT
iaajah-7571	265	9	as	as	SCONJ
iaajah-7571	265	10	members	member	NOUN
iaajah-7571	265	11	can	can	AUX
iaajah-7571	265	12	verify	verify	VERB
iaajah-7571	265	13	decisions	decision	NOUN
iaajah-7571	265	14	,	,	PUNCT
iaajah-7571	265	15	question	question	NOUN
iaajah-7571	265	16	inconsistencies	inconsistency	NOUN
iaajah-7571	265	17	,	,	PUNCT
iaajah-7571	265	18	and	and	CCONJ
iaajah-7571	265	19	demand	demand	NOUN
iaajah-7571	265	20	explanations	explanation	NOUN
iaajah-7571	265	21	based	base	VERB
iaajah-7571	265	22	on	on	ADP
iaajah-7571	265	23	written	write	VERB
iaajah-7571	265	24	records	record	NOUN
iaajah-7571	265	25	.	.	PUNCT
iaajah-7571	266	1	in	in	ADP
iaajah-7571	266	2	many	many	ADJ
iaajah-7571	266	3	cooperatives	cooperative	NOUN
iaajah-7571	266	4	where	where	SCONJ
iaajah-7571	266	5	trust	trust	NOUN
iaajah-7571	266	6	issues	issue	NOUN
iaajah-7571	266	7	or	or	CCONJ
iaajah-7571	266	8	suspicions	suspicion	NOUN
iaajah-7571	266	9	of	of	ADP
iaajah-7571	266	10	mismanagement	mismanagement	NOUN
iaajah-7571	266	11	have	have	AUX
iaajah-7571	266	12	previously	previously	ADV
iaajah-7571	266	13	hindered	hinder	VERB
iaajah-7571	266	14	member	member	NOUN
iaajah-7571	266	15	engagement	engagement	NOUN
iaajah-7571	266	16	,	,	PUNCT
iaajah-7571	266	17	the	the	DET
iaajah-7571	266	18	ability	ability	NOUN
iaajah-7571	266	19	to	to	PART
iaajah-7571	266	20	access	access	VERB
iaajah-7571	266	21	digital	digital	ADJ
iaajah-7571	266	22	records	record	NOUN
iaajah-7571	266	23	or	or	CCONJ
iaajah-7571	266	24	participate	participate	VERB
iaajah-7571	266	25	in	in	ADP
iaajah-7571	266	26	virtual	virtual	ADJ
iaajah-7571	266	27	discussions	discussion	NOUN
iaajah-7571	266	28	has	have	AUX
iaajah-7571	266	29	been	be	AUX
iaajah-7571	266	30	transformational	transformational	ADJ
iaajah-7571	266	31	.	.	PUNCT
iaajah-7571	267	1	additionally	additionally	ADV
iaajah-7571	267	2	,	,	PUNCT
iaajah-7571	267	3	digital	digital	ADJ
iaajah-7571	267	4	platforms	platform	NOUN
iaajah-7571	267	5	discourage	discourage	VERB
iaajah-7571	267	6	gatekeeping	gatekeepe	VERB
iaajah-7571	267	7	behavior	behavior	NOUN
iaajah-7571	267	8	by	by	ADP
iaajah-7571	267	9	leaders	leader	NOUN
iaajah-7571	267	10	who	who	PRON
iaajah-7571	267	11	might	might	AUX
iaajah-7571	267	12	otherwise	otherwise	ADV
iaajah-7571	267	13	manipulate	manipulate	VERB
iaajah-7571	267	14	or	or	CCONJ
iaajah-7571	267	15	withhold	withhold	VERB
iaajah-7571	267	16	information	information	NOUN
iaajah-7571	267	17	.	.	PUNCT
iaajah-7571	268	1	when	when	SCONJ
iaajah-7571	268	2	properly	properly	ADV
iaajah-7571	268	3	used	use	VERB
iaajah-7571	268	4	,	,	PUNCT
iaajah-7571	268	5	ict	ict	NOUN
iaajah-7571	268	6	tools	tool	NOUN
iaajah-7571	268	7	enable	enable	VERB
iaajah-7571	268	8	all	all	DET
iaajah-7571	268	9	members	member	NOUN
iaajah-7571	268	10	regardless	regardless	ADV
iaajah-7571	268	11	of	of	ADP
iaajah-7571	268	12	status	status	NOUN
iaajah-7571	268	13	or	or	CCONJ
iaajah-7571	268	14	geography	geography	NOUN
iaajah-7571	268	15	to	to	PART
iaajah-7571	268	16	stay	stay	VERB
iaajah-7571	268	17	informed	informed	ADJ
iaajah-7571	268	18	and	and	CCONJ
iaajah-7571	268	19	involved	involve	VERB
iaajah-7571	268	20	in	in	ADP
iaajah-7571	268	21	cooperative	cooperative	ADJ
iaajah-7571	268	22	affairs	affair	NOUN
iaajah-7571	268	23	.	.	PUNCT
iaajah-7571	269	1	enhanced	enhance	VERB
iaajah-7571	269	2	member	member	NOUN
iaajah-7571	269	3	engagement	engagement	NOUN
iaajah-7571	269	4	and	and	CCONJ
iaajah-7571	269	5	participation	participation	NOUN
iaajah-7571	269	6	ict	ict	NOUN
iaajah-7571	269	7	tools	tool	NOUN
iaajah-7571	269	8	can	can	AUX
iaajah-7571	269	9	significantly	significantly	ADV
iaajah-7571	269	10	improve	improve	VERB
iaajah-7571	269	11	member	member	NOUN
iaajah-7571	269	12	engagement	engagement	NOUN
iaajah-7571	269	13	,	,	PUNCT
iaajah-7571	269	14	especially	especially	ADV
iaajah-7571	269	15	in	in	ADP
iaajah-7571	269	16	large	large	ADJ
iaajah-7571	269	17	cooperatives	cooperative	NOUN
iaajah-7571	269	18	or	or	CCONJ
iaajah-7571	269	19	those	those	PRON
iaajah-7571	269	20	with	with	ADP
iaajah-7571	269	21	members	member	NOUN
iaajah-7571	269	22	dispersed	disperse	VERB
iaajah-7571	269	23	across	across	ADP
iaajah-7571	269	24	rural	rural	ADJ
iaajah-7571	269	25	and	and	CCONJ
iaajah-7571	269	26	urban	urban	ADJ
iaajah-7571	269	27	locations	location	NOUN
iaajah-7571	269	28	.	.	PUNCT
iaajah-7571	270	1	digital	digital	ADJ
iaajah-7571	270	2	platforms	platform	NOUN
iaajah-7571	270	3	break	break	VERB
iaajah-7571	270	4	down	down	ADP
iaajah-7571	270	5	geographic	geographic	ADJ
iaajah-7571	270	6	and	and	CCONJ
iaajah-7571	270	7	temporal	temporal	ADJ
iaajah-7571	270	8	barriers	barrier	NOUN
iaajah-7571	270	9	,	,	PUNCT
iaajah-7571	270	10	allowing	allow	VERB
iaajah-7571	270	11	members	member	NOUN
iaajah-7571	270	12	to	to	PART
iaajah-7571	270	13	contribute	contribute	VERB
iaajah-7571	270	14	to	to	ADP
iaajah-7571	270	15	discussions	discussion	NOUN
iaajah-7571	270	16	,	,	PUNCT
iaajah-7571	270	17	vote	vote	NOUN
iaajah-7571	270	18	on	on	ADP
iaajah-7571	270	19	key	key	ADJ
iaajah-7571	270	20	issues	issue	NOUN
iaajah-7571	270	21	,	,	PUNCT
iaajah-7571	270	22	or	or	CCONJ
iaajah-7571	270	23	access	access	NOUN
iaajah-7571	270	24	resources	resource	NOUN
iaajah-7571	270	25	without	without	ADP
iaajah-7571	270	26	needing	need	VERB
iaajah-7571	270	27	to	to	PART
iaajah-7571	270	28	be	be	AUX
iaajah-7571	270	29	physically	physically	ADV
iaajah-7571	270	30	present	present	ADJ
iaajah-7571	270	31	.	.	PUNCT
iaajah-7571	271	1	for	for	ADP
iaajah-7571	271	2	example	example	NOUN
iaajah-7571	271	3	,	,	PUNCT
iaajah-7571	271	4	cooperatives	cooperative	NOUN
iaajah-7571	271	5	may	may	AUX
iaajah-7571	271	6	use	use	VERB
iaajah-7571	271	7	google	google	NOUN
iaajah-7571	271	8	forms	form	NOUN
iaajah-7571	271	9	or	or	CCONJ
iaajah-7571	271	10	whatsapp	whatsapp	NOUN
iaajah-7571	271	11	polls	poll	NOUN
iaajah-7571	271	12	to	to	PART
iaajah-7571	271	13	conduct	conduct	VERB
iaajah-7571	271	14	member	member	NOUN
iaajah-7571	271	15	surveys	survey	NOUN
iaajah-7571	271	16	,	,	PUNCT
iaajah-7571	271	17	solicit	solicit	VERB
iaajah-7571	271	18	feedback	feedback	NOUN
iaajah-7571	271	19	,	,	PUNCT
iaajah-7571	271	20	or	or	CCONJ
iaajah-7571	271	21	organize	organize	VERB
iaajah-7571	271	22	virtual	virtual	ADJ
iaajah-7571	271	23	elections	election	NOUN
iaajah-7571	271	24	.	.	PUNCT
iaajah-7571	272	1	this	this	PRON
iaajah-7571	272	2	enhances	enhance	VERB
iaajah-7571	272	3	inclusivity	inclusivity	NOUN
iaajah-7571	272	4	and	and	CCONJ
iaajah-7571	272	5	ensures	ensure	VERB
iaajah-7571	272	6	that	that	SCONJ
iaajah-7571	272	7	decisions	decision	NOUN
iaajah-7571	272	8	reflect	reflect	VERB
iaajah-7571	272	9	the	the	DET
iaajah-7571	272	10	collective	collective	ADJ
iaajah-7571	272	11	will	will	NOUN
iaajah-7571	272	12	of	of	ADP
iaajah-7571	272	13	the	the	DET
iaajah-7571	272	14	membership	membership	NOUN
iaajah-7571	272	15	,	,	PUNCT
iaajah-7571	272	16	in	in	ADP
iaajah-7571	272	17	line	line	NOUN
iaajah-7571	272	18	with	with	ADP
iaajah-7571	272	19	cooperative	cooperative	ADJ
iaajah-7571	272	20	democratic	democratic	ADJ
iaajah-7571	272	21	principles	principle	NOUN
iaajah-7571	272	22	.	.	PUNCT
iaajah-7571	273	1	moreover	moreover	ADV
iaajah-7571	273	2	,	,	PUNCT
iaajah-7571	273	3	younger	young	ADJ
iaajah-7571	273	4	members	member	NOUN
iaajah-7571	273	5	who	who	PRON
iaajah-7571	273	6	are	be	AUX
iaajah-7571	273	7	often	often	ADV
iaajah-7571	273	8	more	more	ADV
iaajah-7571	273	9	digitally	digitally	ADV
iaajah-7571	273	10	active	active	ADJ
iaajah-7571	273	11	are	be	AUX
iaajah-7571	273	12	more	more	ADV
iaajah-7571	273	13	likely	likely	ADJ
iaajah-7571	273	14	to	to	PART
iaajah-7571	273	15	engage	engage	VERB
iaajah-7571	273	16	when	when	SCONJ
iaajah-7571	273	17	communication	communication	NOUN
iaajah-7571	273	18	is	be	AUX
iaajah-7571	273	19	conducted	conduct	VERB
iaajah-7571	273	20	through	through	ADP
iaajah-7571	273	21	modern	modern	ADJ
iaajah-7571	273	22	platforms	platform	NOUN
iaajah-7571	273	23	.	.	PUNCT
iaajah-7571	274	1	this	this	PRON
iaajah-7571	274	2	has	have	VERB
iaajah-7571	274	3	the	the	DET
iaajah-7571	274	4	added	add	VERB
iaajah-7571	274	5	benefit	benefit	NOUN
iaajah-7571	274	6	of	of	ADP
iaajah-7571	274	7	bridging	bridge	VERB
iaajah-7571	274	8	generational	generational	ADJ
iaajah-7571	274	9	divides	divide	NOUN
iaajah-7571	274	10	and	and	CCONJ
iaajah-7571	274	11	renewing	renew	VERB
iaajah-7571	274	12	interest	interest	NOUN
iaajah-7571	274	13	in	in	ADP
iaajah-7571	274	14	cooperative	cooperative	ADJ
iaajah-7571	274	15	activities	activity	NOUN
iaajah-7571	274	16	among	among	ADP
iaajah-7571	274	17	youth	youth	NOUN
iaajah-7571	274	18	,	,	PUNCT
iaajah-7571	274	19	who	who	PRON
iaajah-7571	274	20	may	may	AUX
iaajah-7571	274	21	otherwise	otherwise	ADV
iaajah-7571	274	22	view	view	VERB
iaajah-7571	274	23	cooperatives	cooperative	NOUN
iaajah-7571	274	24	as	as	ADP
iaajah-7571	274	25	outdated	outdated	ADJ
iaajah-7571	274	26	institutions	institution	NOUN
iaajah-7571	274	27	.	.	PUNCT
iaajah-7571	275	1	improved	improve	VERB
iaajah-7571	275	2	record	record	NOUN
iaajah-7571	275	3	-	-	PUNCT
iaajah-7571	275	4	keeping	keep	VERB
iaajah-7571	275	5	and	and	CCONJ
iaajah-7571	275	6	information	information	NOUN
iaajah-7571	275	7	management	management	NOUN
iaajah-7571	275	8	a	a	DET
iaajah-7571	275	9	major	major	ADJ
iaajah-7571	275	10	operational	operational	ADJ
iaajah-7571	275	11	advantage	advantage	NOUN
iaajah-7571	275	12	of	of	ADP
iaajah-7571	275	13	ict	ict	NOUN
iaajah-7571	275	14	adoption	adoption	NOUN
iaajah-7571	275	15	is	be	AUX
iaajah-7571	275	16	the	the	DET
iaajah-7571	275	17	improvement	improvement	NOUN
iaajah-7571	275	18	of	of	ADP
iaajah-7571	275	19	record	record	NOUN
iaajah-7571	275	20	-	-	PUNCT
iaajah-7571	275	21	keeping	keep	VERB
iaajah-7571	275	22	and	and	CCONJ
iaajah-7571	275	23	document	document	NOUN
iaajah-7571	275	24	management	management	NOUN
iaajah-7571	275	25	.	.	PUNCT
iaajah-7571	276	1	manual	manual	ADJ
iaajah-7571	276	2	systems	system	NOUN
iaajah-7571	276	3	such	such	ADJ
iaajah-7571	276	4	as	as	ADP
iaajah-7571	276	5	paper	paper	NOUN
iaajah-7571	276	6	-	-	PUNCT
iaajah-7571	276	7	based	base	VERB
iaajah-7571	276	8	ledgers	ledger	NOUN
iaajah-7571	276	9	,	,	PUNCT
iaajah-7571	276	10	meeting	meet	VERB
iaajah-7571	276	11	minutes	minute	NOUN
iaajah-7571	276	12	notebooks	notebook	NOUN
iaajah-7571	276	13	,	,	PUNCT
iaajah-7571	276	14	and	and	CCONJ
iaajah-7571	276	15	printed	print	VERB
iaajah-7571	276	16	receipts	receipt	NOUN
iaajah-7571	276	17	are	be	AUX
iaajah-7571	276	18	prone	prone	ADJ
iaajah-7571	276	19	to	to	ADP
iaajah-7571	276	20	loss	loss	NOUN
iaajah-7571	276	21	,	,	PUNCT
iaajah-7571	276	22	damage	damage	NOUN
iaajah-7571	276	23	,	,	PUNCT
iaajah-7571	276	24	errors	error	NOUN
iaajah-7571	276	25	,	,	PUNCT
iaajah-7571	276	26	and	and	CCONJ
iaajah-7571	276	27	manipulation	manipulation	NOUN
iaajah-7571	276	28	.	.	PUNCT
iaajah-7571	277	1	digital	digital	ADJ
iaajah-7571	277	2	platforms	platform	NOUN
iaajah-7571	277	3	offer	offer	VERB
iaajah-7571	277	4	more	more	ADV
iaajah-7571	277	5	secure	secure	ADJ
iaajah-7571	277	6	,	,	PUNCT
iaajah-7571	277	7	searchable	searchable	ADJ
iaajah-7571	277	8	,	,	PUNCT
iaajah-7571	277	9	and	and	CCONJ
iaajah-7571	277	10	organized	organized	ADJ
iaajah-7571	277	11	alternatives	alternative	NOUN
iaajah-7571	277	12	.	.	PUNCT
iaajah-7571	278	1	igwebuike	igwebuike	NOUN
iaajah-7571	278	2	:	:	PUNCT
iaajah-7571	278	3	an	an	DET
iaajah-7571	278	4	african	african	ADJ
iaajah-7571	278	5	journal	journal	NOUN
iaajah-7571	278	6	of	of	ADP
iaajah-7571	278	7	arts	art	NOUN
iaajah-7571	278	8	and	and	CCONJ
iaajah-7571	278	9	humanities	humanity	NOUN
iaajah-7571	278	10	vol	vol	NOUN
iaajah-7571	278	11	.	.	PUNCT
iaajah-7571	279	1	11	11	NUM
iaajah-7571	279	2	.	.	PUNCT
iaajah-7571	280	1	no	no	INTJ
iaajah-7571	280	2	.	.	NOUN
iaajah-7571	280	3	7	7	NUM
iaajah-7571	280	4	,	,	PUNCT
iaajah-7571	280	5	(	(	PUNCT
iaajah-7571	280	6	2025	2025	NUM
iaajah-7571	280	7	)	)	PUNCT
iaajah-7571	280	8	issn	issn	PROPN
iaajah-7571	280	9	:	:	PUNCT
iaajah-7571	280	10	24889210	24889210	NUM
iaajah-7571	280	11	(	(	PUNCT
iaajah-7571	280	12	print	print	NOUN
iaajah-7571	280	13	)	)	PUNCT
iaajah-7571	280	14	2504	2504	NUM
iaajah-7571	280	15	-	-	SYM
iaajah-7571	280	16	9038	9038	NUM
iaajah-7571	280	17	(	(	PUNCT
iaajah-7571	280	18	online	online	NOUN
iaajah-7571	280	19	)	)	PUNCT
iaajah-7571	280	20	dept	dept	NOUN
iaajah-7571	280	21	.	.	PROPN
iaajah-7571	281	1	of	of	ADP
iaajah-7571	281	2	philosophy	philosophy	NOUN
iaajah-7571	281	3	and	and	CCONJ
iaajah-7571	281	4	religious	religious	ADJ
iaajah-7571	281	5	studies	study	NOUN
iaajah-7571	281	6	,	,	PUNCT
iaajah-7571	281	7	tansian	tansian	PROPN
iaajah-7571	281	8	university	university	PROPN
iaajah-7571	281	9	umunya	umunya	PROPN
iaajah-7571	281	10	indexed	indexed	PROPN
iaajah-7571	281	11	:	:	PUNCT
iaajah-7571	281	12	academic	academic	ADJ
iaajah-7571	281	13	journals	journal	NOUN
iaajah-7571	281	14	online	online	ADV
iaajah-7571	281	15	,	,	PUNCT
iaajah-7571	281	16	google	google	PROPN
iaajah-7571	281	17	scholar	scholar	NOUN
iaajah-7571	281	18	,	,	PUNCT
iaajah-7571	281	19	igwebuike	igwebuike	PROPN
iaajah-7571	281	20	research	research	PROPN
iaajah-7571	281	21	institute	institute	PROPN
iaajah-7571	281	22	73	73	NUM
iaajah-7571	281	23	cooperative	cooperative	ADJ
iaajah-7571	281	24	software	software	NOUN
iaajah-7571	281	25	and	and	CCONJ
iaajah-7571	281	26	cloud	cloud	NOUN
iaajah-7571	281	27	storage	storage	NOUN
iaajah-7571	281	28	systems	system	NOUN
iaajah-7571	281	29	allow	allow	VERB
iaajah-7571	281	30	cooperatives	cooperative	NOUN
iaajah-7571	281	31	to	to	PART
iaajah-7571	281	32	maintain	maintain	VERB
iaajah-7571	281	33	accurate	accurate	ADJ
iaajah-7571	281	34	member	member	NOUN
iaajah-7571	281	35	records	record	NOUN
iaajah-7571	281	36	,	,	PUNCT
iaajah-7571	281	37	monitor	monitor	VERB
iaajah-7571	281	38	savings	saving	NOUN
iaajah-7571	281	39	and	and	CCONJ
iaajah-7571	281	40	loan	loan	NOUN
iaajah-7571	281	41	histories	history	NOUN
iaajah-7571	281	42	,	,	PUNCT
iaajah-7571	281	43	and	and	CCONJ
iaajah-7571	281	44	archive	archive	NOUN
iaajah-7571	281	45	decisions	decision	NOUN
iaajah-7571	281	46	for	for	ADP
iaajah-7571	281	47	future	future	ADJ
iaajah-7571	281	48	reference	reference	NOUN
iaajah-7571	281	49	.	.	PUNCT
iaajah-7571	282	1	these	these	DET
iaajah-7571	282	2	systems	system	NOUN
iaajah-7571	282	3	reduce	reduce	VERB
iaajah-7571	282	4	administrative	administrative	ADJ
iaajah-7571	282	5	burden	burden	NOUN
iaajah-7571	282	6	and	and	CCONJ
iaajah-7571	282	7	support	support	VERB
iaajah-7571	282	8	continuity	continuity	NOUN
iaajah-7571	282	9	during	during	ADP
iaajah-7571	282	10	leadership	leadership	NOUN
iaajah-7571	282	11	transitions	transition	NOUN
iaajah-7571	282	12	,	,	PUNCT
iaajah-7571	282	13	audits	audits	NOUN
iaajah-7571	282	14	,	,	PUNCT
iaajah-7571	282	15	or	or	CCONJ
iaajah-7571	282	16	reporting	report	VERB
iaajah-7571	282	17	exercises	exercise	NOUN
iaajah-7571	282	18	.	.	PUNCT
iaajah-7571	283	1	even	even	ADV
iaajah-7571	283	2	simple	simple	ADJ
iaajah-7571	283	3	tools	tool	NOUN
iaajah-7571	283	4	like	like	ADP
iaajah-7571	283	5	excel	excel	NOUN
iaajah-7571	283	6	spreadsheets	spreadsheet	NOUN
iaajah-7571	283	7	,	,	PUNCT
iaajah-7571	283	8	google	google	PROPN
iaajah-7571	283	9	drive	drive	NOUN
iaajah-7571	283	10	folders	folder	NOUN
iaajah-7571	283	11	,	,	PUNCT
iaajah-7571	283	12	and	and	CCONJ
iaajah-7571	283	13	email	email	NOUN
iaajah-7571	283	14	archives	archive	NOUN
iaajah-7571	283	15	contribute	contribute	VERB
iaajah-7571	283	16	to	to	ADP
iaajah-7571	283	17	better	well	ADJ
iaajah-7571	283	18	documentation	documentation	NOUN
iaajah-7571	283	19	and	and	CCONJ
iaajah-7571	283	20	retrieval	retrieval	NOUN
iaajah-7571	283	21	of	of	ADP
iaajah-7571	283	22	information	information	NOUN
iaajah-7571	283	23	.	.	PUNCT
iaajah-7571	284	1	this	this	PRON
iaajah-7571	284	2	becomes	become	VERB
iaajah-7571	284	3	especially	especially	ADV
iaajah-7571	284	4	useful	useful	ADJ
iaajah-7571	284	5	when	when	SCONJ
iaajah-7571	284	6	applying	apply	VERB
iaajah-7571	284	7	for	for	ADP
iaajah-7571	284	8	government	government	NOUN
iaajah-7571	284	9	grants	grant	NOUN
iaajah-7571	284	10	,	,	PUNCT
iaajah-7571	284	11	donor	donor	NOUN
iaajah-7571	284	12	funds	fund	NOUN
iaajah-7571	284	13	,	,	PUNCT
iaajah-7571	284	14	or	or	CCONJ
iaajah-7571	284	15	regulatory	regulatory	ADJ
iaajah-7571	284	16	compliance	compliance	NOUN
iaajah-7571	284	17	certifications	certification	NOUN
iaajah-7571	284	18	,	,	PUNCT
iaajah-7571	284	19	which	which	PRON
iaajah-7571	284	20	often	often	ADV
iaajah-7571	284	21	require	require	VERB
iaajah-7571	284	22	verifiable	verifiable	ADJ
iaajah-7571	284	23	documentation	documentation	NOUN
iaajah-7571	284	24	.	.	PUNCT
iaajah-7571	285	1	cost	cost	NOUN
iaajah-7571	285	2	reduction	reduction	NOUN
iaajah-7571	285	3	and	and	CCONJ
iaajah-7571	285	4	operational	operational	ADJ
iaajah-7571	285	5	efficiency	efficiency	NOUN
iaajah-7571	285	6	though	though	SCONJ
iaajah-7571	285	7	initial	initial	ADJ
iaajah-7571	285	8	ict	ict	NOUN
iaajah-7571	285	9	investments	investment	NOUN
iaajah-7571	285	10	may	may	AUX
iaajah-7571	285	11	require	require	VERB
iaajah-7571	285	12	capital	capital	NOUN
iaajah-7571	285	13	outlay	outlay	NOUN
iaajah-7571	285	14	,	,	PUNCT
iaajah-7571	285	15	digital	digital	ADJ
iaajah-7571	285	16	tools	tool	NOUN
iaajah-7571	285	17	often	often	ADV
iaajah-7571	285	18	lead	lead	VERB
iaajah-7571	285	19	to	to	ADP
iaajah-7571	285	20	long	long	ADJ
iaajah-7571	285	21	-	-	PUNCT
iaajah-7571	285	22	term	term	NOUN
iaajah-7571	285	23	cost	cost	NOUN
iaajah-7571	285	24	savings	saving	NOUN
iaajah-7571	285	25	and	and	CCONJ
iaajah-7571	285	26	improved	improved	ADJ
iaajah-7571	285	27	efficiency	efficiency	NOUN
iaajah-7571	285	28	.	.	PUNCT
iaajah-7571	286	1	for	for	ADP
iaajah-7571	286	2	example	example	NOUN
iaajah-7571	286	3	,	,	PUNCT
iaajah-7571	286	4	using	use	VERB
iaajah-7571	286	5	whatsapp	whatsapp	NOUN
iaajah-7571	286	6	to	to	PART
iaajah-7571	286	7	share	share	VERB
iaajah-7571	286	8	meeting	meeting	NOUN
iaajah-7571	286	9	notices	notice	NOUN
iaajah-7571	286	10	or	or	CCONJ
iaajah-7571	286	11	monthly	monthly	ADJ
iaajah-7571	286	12	financial	financial	ADJ
iaajah-7571	286	13	summaries	summary	NOUN
iaajah-7571	286	14	is	be	AUX
iaajah-7571	286	15	far	far	ADV
iaajah-7571	286	16	cheaper	cheap	ADJ
iaajah-7571	286	17	than	than	ADP
iaajah-7571	286	18	printing	print	VERB
iaajah-7571	286	19	and	and	CCONJ
iaajah-7571	286	20	distributing	distribute	VERB
iaajah-7571	286	21	hard	hard	ADJ
iaajah-7571	286	22	copies	copy	NOUN
iaajah-7571	286	23	.	.	PUNCT
iaajah-7571	287	1	similarly	similarly	ADV
iaajah-7571	287	2	,	,	PUNCT
iaajah-7571	287	3	organizing	organize	VERB
iaajah-7571	287	4	virtual	virtual	ADJ
iaajah-7571	287	5	meetings	meeting	NOUN
iaajah-7571	287	6	reduces	reduce	VERB
iaajah-7571	287	7	the	the	DET
iaajah-7571	287	8	cost	cost	NOUN
iaajah-7571	287	9	of	of	ADP
iaajah-7571	287	10	renting	rent	VERB
iaajah-7571	287	11	venues	venue	NOUN
iaajah-7571	287	12	,	,	PUNCT
iaajah-7571	287	13	providing	provide	VERB
iaajah-7571	287	14	refreshments	refreshment	NOUN
iaajah-7571	287	15	,	,	PUNCT
iaajah-7571	287	16	or	or	CCONJ
iaajah-7571	287	17	transporting	transport	VERB
iaajah-7571	287	18	members	member	NOUN
iaajah-7571	287	19	.	.	PUNCT
iaajah-7571	288	1	moreover	moreover	ADV
iaajah-7571	288	2	,	,	PUNCT
iaajah-7571	288	3	ict	ict	NOUN
iaajah-7571	288	4	tools	tool	NOUN
iaajah-7571	288	5	automate	automate	VERB
iaajah-7571	288	6	many	many	ADJ
iaajah-7571	288	7	administrative	administrative	ADJ
iaajah-7571	288	8	processes	process	NOUN
iaajah-7571	288	9	such	such	ADJ
iaajah-7571	288	10	as	as	ADP
iaajah-7571	288	11	dues	due	NOUN
iaajah-7571	288	12	collection	collection	NOUN
iaajah-7571	288	13	notifications	notification	NOUN
iaajah-7571	288	14	,	,	PUNCT
iaajah-7571	288	15	reminders	reminder	NOUN
iaajah-7571	288	16	for	for	ADP
iaajah-7571	288	17	loan	loan	NOUN
iaajah-7571	288	18	repayments	repayment	NOUN
iaajah-7571	288	19	,	,	PUNCT
iaajah-7571	288	20	or	or	CCONJ
iaajah-7571	288	21	generation	generation	NOUN
iaajah-7571	288	22	of	of	ADP
iaajah-7571	288	23	financial	financial	ADJ
iaajah-7571	288	24	summaries	summary	NOUN
iaajah-7571	288	25	thus	thus	ADV
iaajah-7571	288	26	reducing	reduce	VERB
iaajah-7571	288	27	human	human	ADJ
iaajah-7571	288	28	error	error	NOUN
iaajah-7571	288	29	and	and	CCONJ
iaajah-7571	288	30	saving	save	VERB
iaajah-7571	288	31	staff	staff	NOUN
iaajah-7571	288	32	time	time	NOUN
iaajah-7571	288	33	.	.	PUNCT
iaajah-7571	289	1	in	in	ADP
iaajah-7571	289	2	the	the	DET
iaajah-7571	289	3	long	long	ADJ
iaajah-7571	289	4	run	run	NOUN
iaajah-7571	289	5	,	,	PUNCT
iaajah-7571	289	6	the	the	DET
iaajah-7571	289	7	reduction	reduction	NOUN
iaajah-7571	289	8	in	in	ADP
iaajah-7571	289	9	administrative	administrative	ADJ
iaajah-7571	289	10	overhead	overhead	NOUN
iaajah-7571	289	11	and	and	CCONJ
iaajah-7571	289	12	logistical	logistical	ADJ
iaajah-7571	289	13	expenditures	expenditure	NOUN
iaajah-7571	289	14	contributes	contribute	VERB
iaajah-7571	289	15	to	to	ADP
iaajah-7571	289	16	better	well	ADJ
iaajah-7571	289	17	financial	financial	ADJ
iaajah-7571	289	18	management	management	NOUN
iaajah-7571	289	19	and	and	CCONJ
iaajah-7571	289	20	allows	allow	VERB
iaajah-7571	289	21	cooperative	cooperative	ADJ
iaajah-7571	289	22	funds	fund	NOUN
iaajah-7571	289	23	to	to	PART
iaajah-7571	289	24	be	be	AUX
iaajah-7571	289	25	redirected	redirect	VERB
iaajah-7571	289	26	toward	toward	ADP
iaajah-7571	289	27	productive	productive	ADJ
iaajah-7571	289	28	investments	investment	NOUN
iaajah-7571	289	29	or	or	CCONJ
iaajah-7571	289	30	member	member	NOUN
iaajah-7571	289	31	benefits	benefit	NOUN
iaajah-7571	289	32	.	.	PUNCT
iaajah-7571	290	1	better	well	ADJ
iaajah-7571	290	2	coordination	coordination	NOUN
iaajah-7571	290	3	of	of	ADP
iaajah-7571	290	4	cooperative	cooperative	ADJ
iaajah-7571	290	5	activities	activity	NOUN
iaajah-7571	290	6	cooperative	cooperative	ADJ
iaajah-7571	290	7	societies	society	NOUN
iaajah-7571	290	8	often	often	ADV
iaajah-7571	290	9	manage	manage	VERB
iaajah-7571	290	10	multiple	multiple	ADJ
iaajah-7571	290	11	activities	activity	NOUN
iaajah-7571	290	12	simultaneously	simultaneously	ADV
iaajah-7571	290	13	—	—	PUNCT
iaajah-7571	290	14	ranging	range	VERB
iaajah-7571	290	15	from	from	ADP
iaajah-7571	290	16	financial	financial	ADJ
iaajah-7571	290	17	services	service	NOUN
iaajah-7571	290	18	to	to	ADP
iaajah-7571	290	19	agricultural	agricultural	ADJ
iaajah-7571	290	20	marketing	marketing	NOUN
iaajah-7571	290	21	and	and	CCONJ
iaajah-7571	290	22	social	social	ADJ
iaajah-7571	290	23	projects	project	NOUN
iaajah-7571	290	24	.	.	PUNCT
iaajah-7571	291	1	ict	ict	NOUN
iaajah-7571	291	2	tools	tool	NOUN
iaajah-7571	291	3	help	help	AUX
iaajah-7571	291	4	coordinate	coordinate	VERB
iaajah-7571	291	5	these	these	DET
iaajah-7571	291	6	activities	activity	NOUN
iaajah-7571	291	7	more	more	ADV
iaajah-7571	291	8	effectively	effectively	ADV
iaajah-7571	291	9	by	by	ADP
iaajah-7571	291	10	providing	provide	VERB
iaajah-7571	291	11	platforms	platform	NOUN
iaajah-7571	291	12	for	for	ADP
iaajah-7571	291	13	information	information	NOUN
iaajah-7571	291	14	sharing	sharing	NOUN
iaajah-7571	291	15	,	,	PUNCT
iaajah-7571	291	16	scheduling	scheduling	NOUN
iaajah-7571	291	17	,	,	PUNCT
iaajah-7571	291	18	reporting	reporting	NOUN
iaajah-7571	291	19	,	,	PUNCT
iaajah-7571	291	20	and	and	CCONJ
iaajah-7571	291	21	collaboration	collaboration	NOUN
iaajah-7571	291	22	.	.	PUNCT
iaajah-7571	292	1	for	for	ADP
iaajah-7571	292	2	example	example	NOUN
iaajah-7571	292	3	,	,	PUNCT
iaajah-7571	292	4	cooperative	cooperative	ADJ
iaajah-7571	292	5	subcommittees	subcommittee	NOUN
iaajah-7571	292	6	(	(	PUNCT
iaajah-7571	292	7	such	such	ADJ
iaajah-7571	292	8	as	as	ADP
iaajah-7571	292	9	credit	credit	NOUN
iaajah-7571	292	10	,	,	PUNCT
iaajah-7571	292	11	education	education	NOUN
iaajah-7571	292	12	,	,	PUNCT
iaajah-7571	292	13	or	or	CCONJ
iaajah-7571	292	14	welfare	welfare	NOUN
iaajah-7571	292	15	committees	committee	NOUN
iaajah-7571	292	16	)	)	PUNCT
iaajah-7571	292	17	can	can	AUX
iaajah-7571	292	18	use	use	VERB
iaajah-7571	292	19	dedicated	dedicated	ADJ
iaajah-7571	292	20	communication	communication	NOUN
iaajah-7571	292	21	groups	group	NOUN
iaajah-7571	292	22	or	or	CCONJ
iaajah-7571	292	23	shared	share	VERB
iaajah-7571	292	24	calendars	calendar	NOUN
iaajah-7571	292	25	to	to	PART
iaajah-7571	292	26	organize	organize	VERB
iaajah-7571	292	27	their	their	PRON
iaajah-7571	292	28	functions	function	NOUN
iaajah-7571	292	29	independently	independently	ADV
iaajah-7571	292	30	while	while	SCONJ
iaajah-7571	292	31	staying	staying	AUX
iaajah-7571	292	32	aligned	align	VERB
iaajah-7571	292	33	with	with	ADP
iaajah-7571	292	34	the	the	DET
iaajah-7571	292	35	executive	executive	ADJ
iaajah-7571	292	36	leadership	leadership	NOUN
iaajah-7571	292	37	.	.	PUNCT
iaajah-7571	293	1	digital	digital	ADJ
iaajah-7571	293	2	dashboards	dashboard	NOUN
iaajah-7571	293	3	and	and	CCONJ
iaajah-7571	293	4	task	task	NOUN
iaajah-7571	293	5	trackers	tracker	NOUN
iaajah-7571	293	6	can	can	AUX
iaajah-7571	293	7	also	also	ADV
iaajah-7571	293	8	help	help	VERB
iaajah-7571	293	9	monitor	monitor	VERB
iaajah-7571	293	10	progress	progress	NOUN
iaajah-7571	293	11	and	and	CCONJ
iaajah-7571	293	12	accountability	accountability	NOUN
iaajah-7571	293	13	.	.	PUNCT
iaajah-7571	294	1	in	in	ADP
iaajah-7571	294	2	multi	multi	ADJ
iaajah-7571	294	3	-	-	ADJ
iaajah-7571	294	4	branch	branch	ADJ
iaajah-7571	294	5	cooperatives	cooperative	NOUN
iaajah-7571	294	6	,	,	PUNCT
iaajah-7571	294	7	ict	ict	NOUN
iaajah-7571	294	8	tools	tool	NOUN
iaajah-7571	294	9	enable	enable	VERB
iaajah-7571	294	10	central	central	ADJ
iaajah-7571	294	11	coordination	coordination	NOUN
iaajah-7571	294	12	while	while	SCONJ
iaajah-7571	294	13	preserving	preserve	VERB
iaajah-7571	294	14	local	local	ADJ
iaajah-7571	294	15	autonomy	autonomy	NOUN
iaajah-7571	294	16	.	.	PUNCT
iaajah-7571	295	1	each	each	DET
iaajah-7571	295	2	unit	unit	NOUN
iaajah-7571	295	3	can	can	AUX
iaajah-7571	295	4	report	report	VERB
iaajah-7571	295	5	activities	activity	NOUN
iaajah-7571	295	6	digitally	digitally	ADV
iaajah-7571	295	7	while	while	SCONJ
iaajah-7571	295	8	the	the	DET
iaajah-7571	295	9	central	central	ADJ
iaajah-7571	295	10	office	office	NOUN
iaajah-7571	295	11	maintains	maintain	VERB
iaajah-7571	295	12	oversight	oversight	NOUN
iaajah-7571	295	13	and	and	CCONJ
iaajah-7571	295	14	integrates	integrate	VERB
iaajah-7571	295	15	information	information	NOUN
iaajah-7571	295	16	for	for	ADP
iaajah-7571	295	17	unified	unified	ADJ
iaajah-7571	295	18	decision	decision	NOUN
iaajah-7571	295	19	-	-	PUNCT
iaajah-7571	295	20	making	making	NOUN
iaajah-7571	295	21	.	.	PUNCT
iaajah-7571	296	1	strengthened	strengthen	VERB
iaajah-7571	296	2	member	member	NOUN
iaajah-7571	296	3	trust	trust	NOUN
iaajah-7571	296	4	and	and	CCONJ
iaajah-7571	296	5	organizational	organizational	ADJ
iaajah-7571	296	6	credibility	credibility	NOUN
iaajah-7571	296	7	igwebuike	igwebuike	NOUN
iaajah-7571	296	8	:	:	PUNCT
iaajah-7571	296	9	an	an	DET
iaajah-7571	296	10	african	african	ADJ
iaajah-7571	296	11	journal	journal	NOUN
iaajah-7571	296	12	of	of	ADP
iaajah-7571	296	13	arts	art	NOUN
iaajah-7571	296	14	and	and	CCONJ
iaajah-7571	296	15	humanities	humanity	NOUN
iaajah-7571	296	16	vol	vol	NOUN
iaajah-7571	296	17	.	.	PUNCT
iaajah-7571	297	1	11	11	NUM
iaajah-7571	297	2	.	.	PUNCT
iaajah-7571	298	1	no	no	INTJ
iaajah-7571	298	2	.	.	NOUN
iaajah-7571	298	3	7	7	NUM
iaajah-7571	298	4	,	,	PUNCT
iaajah-7571	298	5	(	(	PUNCT
iaajah-7571	298	6	2025	2025	NUM
iaajah-7571	298	7	)	)	PUNCT
iaajah-7571	298	8	issn	issn	PROPN
iaajah-7571	298	9	:	:	PUNCT
iaajah-7571	298	10	24889210	24889210	NUM
iaajah-7571	298	11	(	(	PUNCT
iaajah-7571	298	12	print	print	NOUN
iaajah-7571	298	13	)	)	PUNCT
iaajah-7571	298	14	2504	2504	NUM
iaajah-7571	298	15	-	-	SYM
iaajah-7571	298	16	9038	9038	NUM
iaajah-7571	298	17	(	(	PUNCT
iaajah-7571	298	18	online	online	NOUN
iaajah-7571	298	19	)	)	PUNCT
iaajah-7571	298	20	dept	dept	NOUN
iaajah-7571	298	21	.	.	PROPN
iaajah-7571	299	1	of	of	ADP
iaajah-7571	299	2	philosophy	philosophy	NOUN
iaajah-7571	299	3	and	and	CCONJ
iaajah-7571	299	4	religious	religious	ADJ
iaajah-7571	299	5	studies	study	NOUN
iaajah-7571	299	6	,	,	PUNCT
iaajah-7571	299	7	tansian	tansian	PROPN
iaajah-7571	299	8	university	university	PROPN
iaajah-7571	299	9	umunya	umunya	PROPN
iaajah-7571	299	10	indexed	indexed	PROPN
iaajah-7571	299	11	:	:	PUNCT
iaajah-7571	299	12	academic	academic	ADJ
iaajah-7571	299	13	journals	journal	NOUN
iaajah-7571	299	14	online	online	ADV
iaajah-7571	299	15	,	,	PUNCT
iaajah-7571	299	16	google	google	PROPN
iaajah-7571	299	17	scholar	scholar	NOUN
iaajah-7571	299	18	,	,	PUNCT
iaajah-7571	299	19	igwebuike	igwebuike	PROPN
iaajah-7571	299	20	research	research	NOUN
iaajah-7571	299	21	institute	institute	NOUN
iaajah-7571	299	22	74	74	NUM
iaajah-7571	299	23	when	when	SCONJ
iaajah-7571	299	24	communication	communication	NOUN
iaajah-7571	299	25	is	be	AUX
iaajah-7571	299	26	consistent	consistent	ADJ
iaajah-7571	299	27	,	,	PUNCT
iaajah-7571	299	28	transparent	transparent	ADJ
iaajah-7571	299	29	,	,	PUNCT
iaajah-7571	299	30	and	and	CCONJ
iaajah-7571	299	31	responsive	responsive	ADJ
iaajah-7571	299	32	,	,	PUNCT
iaajah-7571	299	33	members	member	NOUN
iaajah-7571	299	34	are	be	AUX
iaajah-7571	299	35	more	more	ADV
iaajah-7571	299	36	likely	likely	ADJ
iaajah-7571	299	37	to	to	PART
iaajah-7571	299	38	trust	trust	VERB
iaajah-7571	299	39	their	their	PRON
iaajah-7571	299	40	cooperative	cooperative	ADJ
iaajah-7571	299	41	leadership	leadership	NOUN
iaajah-7571	299	42	.	.	PUNCT
iaajah-7571	300	1	this	this	DET
iaajah-7571	300	2	trust	trust	NOUN
iaajah-7571	300	3	is	be	AUX
iaajah-7571	300	4	vital	vital	ADJ
iaajah-7571	300	5	for	for	ADP
iaajah-7571	300	6	member	member	NOUN
iaajah-7571	300	7	retention	retention	NOUN
iaajah-7571	300	8	,	,	PUNCT
iaajah-7571	300	9	voluntary	voluntary	ADJ
iaajah-7571	300	10	contributions	contribution	NOUN
iaajah-7571	300	11	,	,	PUNCT
iaajah-7571	300	12	and	and	CCONJ
iaajah-7571	300	13	long	long	ADJ
iaajah-7571	300	14	-	-	PUNCT
iaajah-7571	300	15	term	term	NOUN
iaajah-7571	300	16	loyalty	loyalty	NOUN
iaajah-7571	300	17	.	.	PUNCT
iaajah-7571	301	1	ict	ict	NOUN
iaajah-7571	301	2	-	-	PUNCT
iaajah-7571	301	3	enabled	enable	VERB
iaajah-7571	301	4	communication	communication	NOUN
iaajah-7571	301	5	creates	create	VERB
iaajah-7571	301	6	an	an	DET
iaajah-7571	301	7	environment	environment	NOUN
iaajah-7571	301	8	where	where	SCONJ
iaajah-7571	301	9	members	member	NOUN
iaajah-7571	301	10	feel	feel	VERB
iaajah-7571	301	11	heard	hear	VERB
iaajah-7571	301	12	,	,	PUNCT
iaajah-7571	301	13	respected	respect	VERB
iaajah-7571	301	14	,	,	PUNCT
iaajah-7571	301	15	and	and	CCONJ
iaajah-7571	301	16	empowered	empower	VERB
iaajah-7571	301	17	to	to	PART
iaajah-7571	301	18	contribute	contribute	VERB
iaajah-7571	301	19	,	,	PUNCT
iaajah-7571	301	20	thus	thus	ADV
iaajah-7571	301	21	enhancing	enhance	VERB
iaajah-7571	301	22	cooperative	cooperative	ADJ
iaajah-7571	301	23	solidarity	solidarity	NOUN
iaajah-7571	301	24	.	.	PUNCT
iaajah-7571	302	1	furthermore	furthermore	ADV
iaajah-7571	302	2	,	,	PUNCT
iaajah-7571	302	3	cooperatives	cooperative	NOUN
iaajah-7571	302	4	that	that	PRON
iaajah-7571	302	5	maintain	maintain	VERB
iaajah-7571	302	6	a	a	DET
iaajah-7571	302	7	strong	strong	ADJ
iaajah-7571	302	8	digital	digital	ADJ
iaajah-7571	302	9	presence	presence	NOUN
iaajah-7571	302	10	through	through	ADP
iaajah-7571	302	11	websites	website	NOUN
iaajah-7571	302	12	,	,	PUNCT
iaajah-7571	302	13	social	social	ADJ
iaajah-7571	302	14	media	medium	NOUN
iaajah-7571	302	15	,	,	PUNCT
iaajah-7571	302	16	or	or	CCONJ
iaajah-7571	302	17	mobile	mobile	ADJ
iaajah-7571	302	18	apps	app	NOUN
iaajah-7571	302	19	gain	gain	VERB
iaajah-7571	302	20	public	public	ADJ
iaajah-7571	302	21	visibility	visibility	NOUN
iaajah-7571	302	22	and	and	CCONJ
iaajah-7571	302	23	credibility	credibility	NOUN
iaajah-7571	302	24	.	.	PUNCT
iaajah-7571	303	1	this	this	PRON
iaajah-7571	303	2	can	can	AUX
iaajah-7571	303	3	attract	attract	VERB
iaajah-7571	303	4	new	new	ADJ
iaajah-7571	303	5	members	member	NOUN
iaajah-7571	303	6	,	,	PUNCT
iaajah-7571	303	7	establish	establish	VERB
iaajah-7571	303	8	relationships	relationship	NOUN
iaajah-7571	303	9	with	with	ADP
iaajah-7571	303	10	external	external	ADJ
iaajah-7571	303	11	partners	partner	NOUN
iaajah-7571	303	12	,	,	PUNCT
iaajah-7571	303	13	and	and	CCONJ
iaajah-7571	303	14	build	build	VERB
iaajah-7571	303	15	the	the	DET
iaajah-7571	303	16	cooperative	cooperative	NOUN
iaajah-7571	303	17	’s	’s	PART
iaajah-7571	303	18	reputation	reputation	NOUN
iaajah-7571	303	19	as	as	ADP
iaajah-7571	303	20	a	a	DET
iaajah-7571	303	21	modern	modern	ADJ
iaajah-7571	303	22	and	and	CCONJ
iaajah-7571	303	23	forward	forward	ADV
iaajah-7571	303	24	-	-	PUNCT
iaajah-7571	303	25	thinking	think	VERB
iaajah-7571	303	26	institution	institution	NOUN
iaajah-7571	303	27	.	.	PUNCT
iaajah-7571	304	1	7	7	X
iaajah-7571	304	2	.	.	X
iaajah-7571	304	3	challenges	challenge	NOUN
iaajah-7571	304	4	to	to	ADP
iaajah-7571	304	5	ict	ict	VERB
iaajah-7571	304	6	adoption	adoption	NOUN
iaajah-7571	304	7	in	in	ADP
iaajah-7571	304	8	nigerian	nigerian	ADJ
iaajah-7571	304	9	cooperatives	cooperative	NOUN
iaajah-7571	304	10	while	while	SCONJ
iaajah-7571	304	11	information	information	NOUN
iaajah-7571	304	12	and	and	CCONJ
iaajah-7571	304	13	communication	communication	NOUN
iaajah-7571	304	14	technology	technology	NOUN
iaajah-7571	304	15	(	(	PUNCT
iaajah-7571	304	16	ict	ict	PROPN
iaajah-7571	304	17	)	)	PUNCT
iaajah-7571	304	18	offers	offer	VERB
iaajah-7571	304	19	a	a	DET
iaajah-7571	304	20	promising	promising	ADJ
iaajah-7571	304	21	pathway	pathway	NOUN
iaajah-7571	304	22	for	for	ADP
iaajah-7571	304	23	transforming	transform	VERB
iaajah-7571	304	24	internal	internal	ADJ
iaajah-7571	304	25	communication	communication	NOUN
iaajah-7571	304	26	in	in	ADP
iaajah-7571	304	27	nigerian	nigerian	ADJ
iaajah-7571	304	28	cooperative	cooperative	ADJ
iaajah-7571	304	29	societies	society	NOUN
iaajah-7571	304	30	,	,	PUNCT
iaajah-7571	304	31	its	its	PRON
iaajah-7571	304	32	adoption	adoption	NOUN
iaajah-7571	304	33	is	be	AUX
iaajah-7571	304	34	often	often	ADV
iaajah-7571	304	35	fraught	fraught	ADJ
iaajah-7571	304	36	with	with	ADP
iaajah-7571	304	37	multifaceted	multifaceted	ADJ
iaajah-7571	304	38	challenges	challenge	NOUN
iaajah-7571	304	39	.	.	PUNCT
iaajah-7571	305	1	these	these	DET
iaajah-7571	305	2	challenges	challenge	NOUN
iaajah-7571	305	3	vary	vary	VERB
iaajah-7571	305	4	by	by	ADP
iaajah-7571	305	5	context	context	NOUN
iaajah-7571	305	6	urban	urban	ADJ
iaajah-7571	305	7	versus	versus	ADP
iaajah-7571	305	8	rural	rural	ADJ
iaajah-7571	305	9	,	,	PUNCT
iaajah-7571	305	10	formal	formal	ADJ
iaajah-7571	305	11	versus	versus	ADP
iaajah-7571	305	12	informal	informal	ADJ
iaajah-7571	305	13	cooperatives	cooperative	NOUN
iaajah-7571	305	14	,	,	PUNCT
iaajah-7571	305	15	and	and	CCONJ
iaajah-7571	305	16	literacy	literacy	NOUN
iaajah-7571	305	17	levels	level	NOUN
iaajah-7571	305	18	among	among	ADP
iaajah-7571	305	19	members	member	NOUN
iaajah-7571	305	20	but	but	CCONJ
iaajah-7571	305	21	they	they	PRON
iaajah-7571	305	22	ultimately	ultimately	ADV
iaajah-7571	305	23	constrain	constrain	VERB
iaajah-7571	305	24	the	the	DET
iaajah-7571	305	25	ability	ability	NOUN
iaajah-7571	305	26	of	of	ADP
iaajah-7571	305	27	cooperatives	cooperative	NOUN
iaajah-7571	305	28	to	to	PART
iaajah-7571	305	29	harness	harness	VERB
iaajah-7571	305	30	the	the	DET
iaajah-7571	305	31	full	full	ADJ
iaajah-7571	305	32	potential	potential	NOUN
iaajah-7571	305	33	of	of	ADP
iaajah-7571	305	34	digital	digital	ADJ
iaajah-7571	305	35	communication	communication	NOUN
iaajah-7571	305	36	.	.	PUNCT
iaajah-7571	306	1	this	this	DET
iaajah-7571	306	2	section	section	NOUN
iaajah-7571	306	3	outlines	outline	VERB
iaajah-7571	306	4	the	the	DET
iaajah-7571	306	5	primary	primary	ADJ
iaajah-7571	306	6	obstacles	obstacle	NOUN
iaajah-7571	306	7	hindering	hinder	VERB
iaajah-7571	306	8	the	the	DET
iaajah-7571	306	9	successful	successful	ADJ
iaajah-7571	306	10	uptake	uptake	NOUN
iaajah-7571	306	11	and	and	CCONJ
iaajah-7571	306	12	integration	integration	NOUN
iaajah-7571	306	13	of	of	ADP
iaajah-7571	306	14	ict	ict	NOUN
iaajah-7571	306	15	tools	tool	NOUN
iaajah-7571	306	16	in	in	ADP
iaajah-7571	306	17	nigerian	nigerian	ADJ
iaajah-7571	306	18	cooperatives	cooperative	NOUN
iaajah-7571	306	19	.	.	PUNCT
iaajah-7571	307	1	low	low	ADJ
iaajah-7571	307	2	digital	digital	ADJ
iaajah-7571	307	3	literacy	literacy	NOUN
iaajah-7571	307	4	and	and	CCONJ
iaajah-7571	307	5	technological	technological	ADJ
iaajah-7571	307	6	skills	skill	NOUN
iaajah-7571	307	7	one	one	NUM
iaajah-7571	307	8	of	of	ADP
iaajah-7571	307	9	the	the	DET
iaajah-7571	307	10	most	most	ADV
iaajah-7571	307	11	persistent	persistent	ADJ
iaajah-7571	307	12	challenges	challenge	NOUN
iaajah-7571	307	13	facing	face	VERB
iaajah-7571	307	14	cooperatives	cooperative	NOUN
iaajah-7571	307	15	is	be	AUX
iaajah-7571	307	16	the	the	DET
iaajah-7571	307	17	low	low	ADJ
iaajah-7571	307	18	level	level	NOUN
iaajah-7571	307	19	of	of	ADP
iaajah-7571	307	20	digital	digital	ADJ
iaajah-7571	307	21	literacy	literacy	NOUN
iaajah-7571	307	22	among	among	ADP
iaajah-7571	307	23	members	member	NOUN
iaajah-7571	307	24	and	and	CCONJ
iaajah-7571	307	25	leadership	leadership	NOUN
iaajah-7571	307	26	.	.	PUNCT
iaajah-7571	308	1	many	many	ADJ
iaajah-7571	308	2	cooperative	cooperative	ADJ
iaajah-7571	308	3	members	member	NOUN
iaajah-7571	308	4	,	,	PUNCT
iaajah-7571	308	5	especially	especially	ADV
iaajah-7571	308	6	in	in	ADP
iaajah-7571	308	7	rural	rural	ADJ
iaajah-7571	308	8	areas	area	NOUN
iaajah-7571	308	9	,	,	PUNCT
iaajah-7571	308	10	have	have	VERB
iaajah-7571	308	11	limited	limited	ADJ
iaajah-7571	308	12	experience	experience	NOUN
iaajah-7571	308	13	using	use	VERB
iaajah-7571	308	14	digital	digital	ADJ
iaajah-7571	308	15	devices	device	NOUN
iaajah-7571	308	16	or	or	CCONJ
iaajah-7571	308	17	applications	application	NOUN
iaajah-7571	308	18	beyond	beyond	ADP
iaajah-7571	308	19	basic	basic	ADJ
iaajah-7571	308	20	phone	phone	NOUN
iaajah-7571	308	21	calls	call	NOUN
iaajah-7571	308	22	and	and	CCONJ
iaajah-7571	308	23	text	text	NOUN
iaajah-7571	308	24	messaging	messaging	NOUN
iaajah-7571	308	25	.	.	PUNCT
iaajah-7571	309	1	the	the	DET
iaajah-7571	309	2	ability	ability	NOUN
iaajah-7571	309	3	to	to	PART
iaajah-7571	309	4	use	use	VERB
iaajah-7571	309	5	smartphones	smartphone	NOUN
iaajah-7571	309	6	,	,	PUNCT
iaajah-7571	309	7	install	install	NOUN
iaajah-7571	309	8	apps	app	NOUN
iaajah-7571	309	9	,	,	PUNCT
iaajah-7571	309	10	access	access	NOUN
iaajah-7571	309	11	email	email	NOUN
iaajah-7571	309	12	,	,	PUNCT
iaajah-7571	309	13	or	or	CCONJ
iaajah-7571	309	14	navigate	navigate	VERB
iaajah-7571	309	15	financial	financial	ADJ
iaajah-7571	309	16	platforms	platform	NOUN
iaajah-7571	309	17	is	be	AUX
iaajah-7571	309	18	often	often	ADV
iaajah-7571	309	19	taken	take	VERB
iaajah-7571	309	20	for	for	ADP
iaajah-7571	309	21	granted	grant	VERB
iaajah-7571	309	22	in	in	ADP
iaajah-7571	309	23	urban	urban	ADJ
iaajah-7571	309	24	contexts	context	NOUN
iaajah-7571	309	25	but	but	CCONJ
iaajah-7571	309	26	remains	remain	VERB
iaajah-7571	309	27	a	a	DET
iaajah-7571	309	28	barrier	barrier	NOUN
iaajah-7571	309	29	for	for	ADP
iaajah-7571	309	30	many	many	ADJ
iaajah-7571	309	31	grassroots	grassroot	NOUN
iaajah-7571	309	32	participants	participant	NOUN
iaajah-7571	309	33	(	(	PUNCT
iaajah-7571	309	34	unesco	unesco	PROPN
iaajah-7571	309	35	,	,	PUNCT
iaajah-7571	309	36	2019	2019	NUM
iaajah-7571	309	37	)	)	PUNCT
iaajah-7571	309	38	.	.	PUNCT
iaajah-7571	310	1	even	even	ADV
iaajah-7571	310	2	among	among	ADP
iaajah-7571	310	3	cooperative	cooperative	ADJ
iaajah-7571	310	4	executives	executive	NOUN
iaajah-7571	310	5	,	,	PUNCT
iaajah-7571	310	6	digital	digital	ADJ
iaajah-7571	310	7	competence	competence	NOUN
iaajah-7571	310	8	is	be	AUX
iaajah-7571	310	9	inconsistent	inconsistent	ADJ
iaajah-7571	310	10	.	.	PUNCT
iaajah-7571	311	1	inadequate	inadequate	ADJ
iaajah-7571	311	2	skills	skill	NOUN
iaajah-7571	311	3	prevent	prevent	VERB
iaajah-7571	311	4	leaders	leader	NOUN
iaajah-7571	311	5	from	from	ADP
iaajah-7571	311	6	effectively	effectively	ADV
iaajah-7571	311	7	managing	manage	VERB
iaajah-7571	311	8	digital	digital	ADJ
iaajah-7571	311	9	communication	communication	NOUN
iaajah-7571	311	10	platforms	platform	NOUN
iaajah-7571	311	11	,	,	PUNCT
iaajah-7571	311	12	utilizing	utilize	VERB
iaajah-7571	311	13	cooperative	cooperative	ADJ
iaajah-7571	311	14	software	software	NOUN
iaajah-7571	311	15	,	,	PUNCT
iaajah-7571	311	16	or	or	CCONJ
iaajah-7571	311	17	leveraging	leverage	VERB
iaajah-7571	311	18	social	social	ADJ
iaajah-7571	311	19	media	medium	NOUN
iaajah-7571	311	20	tools	tool	NOUN
iaajah-7571	311	21	.	.	PUNCT
iaajah-7571	312	1	as	as	ADP
iaajah-7571	312	2	a	a	DET
iaajah-7571	312	3	result	result	NOUN
iaajah-7571	312	4	,	,	PUNCT
iaajah-7571	312	5	digital	digital	ADJ
iaajah-7571	312	6	tools	tool	NOUN
iaajah-7571	312	7	are	be	AUX
iaajah-7571	312	8	either	either	CCONJ
iaajah-7571	312	9	underused	underused	ADJ
iaajah-7571	312	10	or	or	CCONJ
iaajah-7571	312	11	misapplied	misapply	VERB
iaajah-7571	312	12	,	,	PUNCT
iaajah-7571	312	13	leading	lead	VERB
iaajah-7571	312	14	to	to	ADP
iaajah-7571	312	15	frustration	frustration	NOUN
iaajah-7571	312	16	,	,	PUNCT
iaajah-7571	312	17	errors	error	NOUN
iaajah-7571	312	18	,	,	PUNCT
iaajah-7571	312	19	and	and	CCONJ
iaajah-7571	312	20	resistance	resistance	NOUN
iaajah-7571	312	21	.	.	PUNCT
iaajah-7571	313	1	without	without	ADP
iaajah-7571	313	2	sustained	sustained	ADJ
iaajah-7571	313	3	investment	investment	NOUN
iaajah-7571	313	4	in	in	ADP
iaajah-7571	313	5	digital	digital	ADJ
iaajah-7571	313	6	training	training	NOUN
iaajah-7571	313	7	and	and	CCONJ
iaajah-7571	313	8	ict	ict	NOUN
iaajah-7571	313	9	orientation	orientation	NOUN
iaajah-7571	313	10	programs	program	NOUN
iaajah-7571	313	11	,	,	PUNCT
iaajah-7571	313	12	even	even	ADV
iaajah-7571	313	13	cooperatives	cooperative	NOUN
iaajah-7571	313	14	that	that	PRON
iaajah-7571	313	15	acquire	acquire	VERB
iaajah-7571	313	16	the	the	DET
iaajah-7571	313	17	right	right	ADJ
iaajah-7571	313	18	tools	tool	NOUN
iaajah-7571	313	19	may	may	AUX
iaajah-7571	313	20	struggle	struggle	VERB
iaajah-7571	313	21	to	to	PART
iaajah-7571	313	22	use	use	VERB
iaajah-7571	313	23	them	they	PRON
iaajah-7571	313	24	effectively	effectively	ADV
iaajah-7571	313	25	.	.	PUNCT
iaajah-7571	314	1	infrastructure	infrastructure	NOUN
iaajah-7571	314	2	limitations	limitation	NOUN
iaajah-7571	314	3	poor	poor	ADJ
iaajah-7571	314	4	ict	ict	NOUN
iaajah-7571	314	5	infrastructure	infrastructure	NOUN
iaajah-7571	314	6	significantly	significantly	ADV
iaajah-7571	314	7	impedes	impede	VERB
iaajah-7571	314	8	digital	digital	ADJ
iaajah-7571	314	9	communication	communication	NOUN
iaajah-7571	314	10	efforts	effort	NOUN
iaajah-7571	314	11	.	.	PUNCT
iaajah-7571	315	1	many	many	ADJ
iaajah-7571	315	2	rural	rural	ADJ
iaajah-7571	315	3	parts	part	NOUN
iaajah-7571	315	4	of	of	ADP
iaajah-7571	315	5	nigeria	nigeria	PROPN
iaajah-7571	315	6	suffer	suffer	VERB
iaajah-7571	315	7	from	from	ADP
iaajah-7571	315	8	unreliable	unreliable	ADJ
iaajah-7571	315	9	electricity	electricity	NOUN
iaajah-7571	315	10	,	,	PUNCT
iaajah-7571	315	11	weak	weak	ADJ
iaajah-7571	315	12	mobile	mobile	ADJ
iaajah-7571	315	13	network	network	NOUN
iaajah-7571	315	14	coverage	coverage	NOUN
iaajah-7571	315	15	,	,	PUNCT
iaajah-7571	315	16	and	and	CCONJ
iaajah-7571	315	17	slow	slow	ADJ
iaajah-7571	315	18	or	or	CCONJ
iaajah-7571	315	19	unaffordable	unaffordable	ADJ
iaajah-7571	315	20	internet	internet	NOUN
iaajah-7571	315	21	access	access	NOUN
iaajah-7571	315	22	.	.	PUNCT
iaajah-7571	316	1	according	accord	VERB
iaajah-7571	316	2	to	to	ADP
iaajah-7571	316	3	the	the	DET
iaajah-7571	316	4	world	world	NOUN
iaajah-7571	316	5	bank	bank	PROPN
iaajah-7571	316	6	(	(	PUNCT
iaajah-7571	316	7	2021	2021	NUM
iaajah-7571	316	8	)	)	PUNCT
iaajah-7571	316	9	,	,	PUNCT
iaajah-7571	316	10	while	while	SCONJ
iaajah-7571	316	11	mobile	mobile	ADJ
iaajah-7571	316	12	network	network	NOUN
iaajah-7571	316	13	coverage	coverage	NOUN
iaajah-7571	316	14	has	have	AUX
iaajah-7571	316	15	expanded	expand	VERB
iaajah-7571	316	16	in	in	ADP
iaajah-7571	316	17	nigeria	nigeria	PROPN
iaajah-7571	316	18	,	,	PUNCT
iaajah-7571	316	19	the	the	DET
iaajah-7571	316	20	quality	quality	NOUN
iaajah-7571	316	21	of	of	ADP
iaajah-7571	316	22	service	service	NOUN
iaajah-7571	316	23	in	in	ADP
iaajah-7571	316	24	rural	rural	ADJ
iaajah-7571	316	25	and	and	CCONJ
iaajah-7571	316	26	underserved	underserved	ADJ
iaajah-7571	316	27	communities	community	NOUN
iaajah-7571	316	28	remains	remain	VERB
iaajah-7571	316	29	low	low	ADJ
iaajah-7571	316	30	,	,	PUNCT
iaajah-7571	316	31	resulting	result	VERB
iaajah-7571	316	32	in	in	ADP
iaajah-7571	316	33	frequent	frequent	ADJ
iaajah-7571	316	34	signal	signal	NOUN
iaajah-7571	316	35	drops	drop	NOUN
iaajah-7571	316	36	,	,	PUNCT
iaajah-7571	316	37	low	low	ADJ
iaajah-7571	316	38	bandwidth	bandwidth	NOUN
iaajah-7571	316	39	,	,	PUNCT
iaajah-7571	316	40	and	and	CCONJ
iaajah-7571	316	41	high	high	ADJ
iaajah-7571	316	42	latency	latency	NOUN
iaajah-7571	316	43	.	.	PUNCT
iaajah-7571	317	1	igwebuike	igwebuike	NOUN
iaajah-7571	317	2	:	:	PUNCT
iaajah-7571	317	3	an	an	DET
iaajah-7571	317	4	african	african	ADJ
iaajah-7571	317	5	journal	journal	NOUN
iaajah-7571	317	6	of	of	ADP
iaajah-7571	317	7	arts	art	NOUN
iaajah-7571	317	8	and	and	CCONJ
iaajah-7571	317	9	humanities	humanity	NOUN
iaajah-7571	317	10	vol	vol	NOUN
iaajah-7571	317	11	.	.	PUNCT
iaajah-7571	318	1	11	11	NUM
iaajah-7571	318	2	.	.	PUNCT
iaajah-7571	319	1	no	no	INTJ
iaajah-7571	319	2	.	.	NOUN
iaajah-7571	319	3	7	7	NUM
iaajah-7571	319	4	,	,	PUNCT
iaajah-7571	319	5	(	(	PUNCT
iaajah-7571	319	6	2025	2025	NUM
iaajah-7571	319	7	)	)	PUNCT
iaajah-7571	319	8	issn	issn	PROPN
iaajah-7571	319	9	:	:	PUNCT
iaajah-7571	319	10	24889210	24889210	NUM
iaajah-7571	319	11	(	(	PUNCT
iaajah-7571	319	12	print	print	NOUN
iaajah-7571	319	13	)	)	PUNCT
iaajah-7571	319	14	2504	2504	NUM
iaajah-7571	319	15	-	-	SYM
iaajah-7571	319	16	9038	9038	NUM
iaajah-7571	319	17	(	(	PUNCT
iaajah-7571	319	18	online	online	NOUN
iaajah-7571	319	19	)	)	PUNCT
iaajah-7571	319	20	dept	dept	NOUN
iaajah-7571	319	21	.	.	PROPN
iaajah-7571	320	1	of	of	ADP
iaajah-7571	320	2	philosophy	philosophy	NOUN
iaajah-7571	320	3	and	and	CCONJ
iaajah-7571	320	4	religious	religious	ADJ
iaajah-7571	320	5	studies	study	NOUN
iaajah-7571	320	6	,	,	PUNCT
iaajah-7571	320	7	tansian	tansian	PROPN
iaajah-7571	320	8	university	university	PROPN
iaajah-7571	320	9	umunya	umunya	PROPN
iaajah-7571	320	10	indexed	indexed	PROPN
iaajah-7571	320	11	:	:	PUNCT
iaajah-7571	320	12	academic	academic	ADJ
iaajah-7571	320	13	journals	journal	NOUN
iaajah-7571	320	14	online	online	ADV
iaajah-7571	320	15	,	,	PUNCT
iaajah-7571	320	16	google	google	PROPN
iaajah-7571	320	17	scholar	scholar	NOUN
iaajah-7571	320	18	,	,	PUNCT
iaajah-7571	320	19	igwebuike	igwebuike	PROPN
iaajah-7571	320	20	research	research	PROPN
iaajah-7571	320	21	institute	institute	PROPN
iaajah-7571	320	22	75	75	NUM
iaajah-7571	320	23	electricity	electricity	NOUN
iaajah-7571	320	24	challenges	challenge	NOUN
iaajah-7571	320	25	further	far	ADV
iaajah-7571	320	26	exacerbate	exacerbate	VERB
iaajah-7571	320	27	the	the	DET
iaajah-7571	320	28	problem	problem	NOUN
iaajah-7571	320	29	.	.	PUNCT
iaajah-7571	321	1	power	power	NOUN
iaajah-7571	321	2	outages	outage	NOUN
iaajah-7571	321	3	make	make	VERB
iaajah-7571	321	4	it	it	PRON
iaajah-7571	321	5	difficult	difficult	ADJ
iaajah-7571	321	6	to	to	PART
iaajah-7571	321	7	charge	charge	VERB
iaajah-7571	321	8	phones	phone	NOUN
iaajah-7571	321	9	or	or	CCONJ
iaajah-7571	321	10	run	run	VERB
iaajah-7571	321	11	digital	digital	ADJ
iaajah-7571	321	12	devices	device	NOUN
iaajah-7571	321	13	regularly	regularly	ADV
iaajah-7571	321	14	,	,	PUNCT
iaajah-7571	321	15	creating	create	VERB
iaajah-7571	321	16	a	a	DET
iaajah-7571	321	17	dependency	dependency	NOUN
iaajah-7571	321	18	on	on	ADP
iaajah-7571	321	19	alternative	alternative	ADJ
iaajah-7571	321	20	energy	energy	NOUN
iaajah-7571	321	21	sources	source	NOUN
iaajah-7571	321	22	such	such	ADJ
iaajah-7571	321	23	as	as	ADP
iaajah-7571	321	24	generators	generator	NOUN
iaajah-7571	321	25	or	or	CCONJ
iaajah-7571	321	26	solar	solar	ADJ
iaajah-7571	321	27	panels	panel	NOUN
iaajah-7571	321	28	both	both	PRON
iaajah-7571	321	29	of	of	ADP
iaajah-7571	321	30	which	which	PRON
iaajah-7571	321	31	require	require	VERB
iaajah-7571	321	32	capital	capital	NOUN
iaajah-7571	321	33	investment	investment	NOUN
iaajah-7571	321	34	.	.	PUNCT
iaajah-7571	322	1	moreover	moreover	ADV
iaajah-7571	322	2	,	,	PUNCT
iaajah-7571	322	3	the	the	DET
iaajah-7571	322	4	cost	cost	NOUN
iaajah-7571	322	5	of	of	ADP
iaajah-7571	322	6	internet	internet	NOUN
iaajah-7571	322	7	data	datum	NOUN
iaajah-7571	322	8	and	and	CCONJ
iaajah-7571	322	9	mobile	mobile	ADJ
iaajah-7571	322	10	devices	device	NOUN
iaajah-7571	322	11	remains	remain	VERB
iaajah-7571	322	12	high	high	ADJ
iaajah-7571	322	13	relative	relative	ADJ
iaajah-7571	322	14	to	to	ADP
iaajah-7571	322	15	average	average	ADJ
iaajah-7571	322	16	income	income	NOUN
iaajah-7571	322	17	levels	level	NOUN
iaajah-7571	322	18	in	in	ADP
iaajah-7571	322	19	many	many	ADJ
iaajah-7571	322	20	cooperative	cooperative	ADJ
iaajah-7571	322	21	communities	community	NOUN
iaajah-7571	322	22	.	.	PUNCT
iaajah-7571	323	1	these	these	DET
iaajah-7571	323	2	infrastructure	infrastructure	NOUN
iaajah-7571	323	3	-	-	PUNCT
iaajah-7571	323	4	related	relate	VERB
iaajah-7571	323	5	barriers	barrier	NOUN
iaajah-7571	323	6	result	result	VERB
iaajah-7571	323	7	in	in	ADP
iaajah-7571	323	8	inconsistent	inconsistent	ADJ
iaajah-7571	323	9	communication	communication	NOUN
iaajah-7571	323	10	and	and	CCONJ
iaajah-7571	323	11	discourage	discourage	VERB
iaajah-7571	323	12	cooperatives	cooperative	NOUN
iaajah-7571	323	13	from	from	ADP
iaajah-7571	323	14	relying	rely	VERB
iaajah-7571	323	15	on	on	ADP
iaajah-7571	323	16	digital	digital	ADJ
iaajah-7571	323	17	systems	system	NOUN
iaajah-7571	323	18	as	as	ADP
iaajah-7571	323	19	their	their	PRON
iaajah-7571	323	20	primary	primary	ADJ
iaajah-7571	323	21	mode	mode	NOUN
iaajah-7571	323	22	of	of	ADP
iaajah-7571	323	23	engagement	engagement	NOUN
iaajah-7571	323	24	.	.	PUNCT
iaajah-7571	324	1	financial	financial	ADJ
iaajah-7571	324	2	constraints	constraint	NOUN
iaajah-7571	324	3	ict	ict	NOUN
iaajah-7571	324	4	adoption	adoption	NOUN
iaajah-7571	324	5	comes	come	VERB
iaajah-7571	324	6	at	at	ADP
iaajah-7571	324	7	a	a	DET
iaajah-7571	324	8	cost	cost	NOUN
iaajah-7571	324	9	,	,	PUNCT
iaajah-7571	324	10	and	and	CCONJ
iaajah-7571	324	11	many	many	ADJ
iaajah-7571	324	12	cooperatives	cooperative	NOUN
iaajah-7571	324	13	lack	lack	VERB
iaajah-7571	324	14	the	the	DET
iaajah-7571	324	15	financial	financial	ADJ
iaajah-7571	324	16	capacity	capacity	NOUN
iaajah-7571	324	17	to	to	PART
iaajah-7571	324	18	procure	procure	VERB
iaajah-7571	324	19	and	and	CCONJ
iaajah-7571	324	20	sustain	sustain	VERB
iaajah-7571	324	21	the	the	DET
iaajah-7571	324	22	use	use	NOUN
iaajah-7571	324	23	of	of	ADP
iaajah-7571	324	24	digital	digital	ADJ
iaajah-7571	324	25	tools	tool	NOUN
iaajah-7571	324	26	.	.	PUNCT
iaajah-7571	325	1	expenses	expense	NOUN
iaajah-7571	325	2	such	such	ADJ
iaajah-7571	325	3	as	as	ADP
iaajah-7571	325	4	smartphones	smartphone	NOUN
iaajah-7571	325	5	,	,	PUNCT
iaajah-7571	325	6	computers	computer	NOUN
iaajah-7571	325	7	,	,	PUNCT
iaajah-7571	325	8	software	software	NOUN
iaajah-7571	325	9	subscriptions	subscription	NOUN
iaajah-7571	325	10	,	,	PUNCT
iaajah-7571	325	11	internet	internet	NOUN
iaajah-7571	325	12	data	datum	NOUN
iaajah-7571	325	13	,	,	PUNCT
iaajah-7571	325	14	ict	ict	NOUN
iaajah-7571	325	15	training	training	NOUN
iaajah-7571	325	16	,	,	PUNCT
iaajah-7571	325	17	and	and	CCONJ
iaajah-7571	325	18	technical	technical	ADJ
iaajah-7571	325	19	support	support	NOUN
iaajah-7571	325	20	can	can	AUX
iaajah-7571	325	21	place	place	VERB
iaajah-7571	325	22	a	a	DET
iaajah-7571	325	23	heavy	heavy	ADJ
iaajah-7571	325	24	burden	burden	NOUN
iaajah-7571	325	25	on	on	ADP
iaajah-7571	325	26	cooperatives	cooperative	NOUN
iaajah-7571	325	27	that	that	PRON
iaajah-7571	325	28	already	already	ADV
iaajah-7571	325	29	operate	operate	VERB
iaajah-7571	325	30	on	on	ADP
iaajah-7571	325	31	tight	tight	ADJ
iaajah-7571	325	32	budgets	budget	NOUN
iaajah-7571	325	33	.	.	PUNCT
iaajah-7571	326	1	for	for	ADP
iaajah-7571	326	2	example	example	NOUN
iaajah-7571	326	3	,	,	PUNCT
iaajah-7571	326	4	subscribing	subscribe	VERB
iaajah-7571	326	5	to	to	ADP
iaajah-7571	326	6	cooperative	cooperative	ADJ
iaajah-7571	326	7	management	management	NOUN
iaajah-7571	326	8	platforms	platform	NOUN
iaajah-7571	326	9	like	like	ADP
iaajah-7571	326	10	coopmis	coopmis	NOUN
iaajah-7571	326	11	or	or	CCONJ
iaajah-7571	326	12	hosting	host	VERB
iaajah-7571	326	13	zoom	zoom	NOUN
iaajah-7571	326	14	meetings	meeting	NOUN
iaajah-7571	326	15	requires	require	VERB
iaajah-7571	326	16	regular	regular	ADJ
iaajah-7571	326	17	funding	funding	NOUN
iaajah-7571	326	18	.	.	PUNCT
iaajah-7571	327	1	likewise	likewise	ADV
iaajah-7571	327	2	,	,	PUNCT
iaajah-7571	327	3	creating	create	VERB
iaajah-7571	327	4	and	and	CCONJ
iaajah-7571	327	5	maintaining	maintain	VERB
iaajah-7571	327	6	a	a	DET
iaajah-7571	327	7	website	website	NOUN
iaajah-7571	327	8	or	or	CCONJ
iaajah-7571	327	9	digital	digital	ADJ
iaajah-7571	327	10	archive	archive	NOUN
iaajah-7571	327	11	demands	demand	NOUN
iaajah-7571	327	12	both	both	PRON
iaajah-7571	327	13	technical	technical	ADJ
iaajah-7571	327	14	expertise	expertise	NOUN
iaajah-7571	327	15	and	and	CCONJ
iaajah-7571	327	16	financial	financial	ADJ
iaajah-7571	327	17	investment	investment	NOUN
iaajah-7571	327	18	.	.	PUNCT
iaajah-7571	328	1	since	since	SCONJ
iaajah-7571	328	2	most	most	ADJ
iaajah-7571	328	3	cooperative	cooperative	ADJ
iaajah-7571	328	4	societies	society	NOUN
iaajah-7571	328	5	prioritize	prioritize	VERB
iaajah-7571	328	6	loan	loan	NOUN
iaajah-7571	328	7	disbursement	disbursement	NOUN
iaajah-7571	328	8	,	,	PUNCT
iaajah-7571	328	9	savings	saving	NOUN
iaajah-7571	328	10	mobilization	mobilization	NOUN
iaajah-7571	328	11	,	,	PUNCT
iaajah-7571	328	12	or	or	CCONJ
iaajah-7571	328	13	member	member	NOUN
iaajah-7571	328	14	welfare	welfare	NOUN
iaajah-7571	328	15	over	over	ADP
iaajah-7571	328	16	digital	digital	ADJ
iaajah-7571	328	17	investments	investment	NOUN
iaajah-7571	328	18	,	,	PUNCT
iaajah-7571	328	19	ict	ict	PROPN
iaajah-7571	328	20	is	be	AUX
iaajah-7571	328	21	often	often	ADV
iaajah-7571	328	22	relegated	relegate	VERB
iaajah-7571	328	23	to	to	ADP
iaajah-7571	328	24	a	a	DET
iaajah-7571	328	25	secondary	secondary	ADJ
iaajah-7571	328	26	priority	priority	NOUN
iaajah-7571	328	27	.	.	PUNCT
iaajah-7571	329	1	this	this	DET
iaajah-7571	329	2	budgetary	budgetary	ADJ
iaajah-7571	329	3	limitation	limitation	NOUN
iaajah-7571	329	4	creates	create	VERB
iaajah-7571	329	5	a	a	DET
iaajah-7571	329	6	digital	digital	ADJ
iaajah-7571	329	7	divide	divide	NOUN
iaajah-7571	329	8	where	where	SCONJ
iaajah-7571	329	9	only	only	ADV
iaajah-7571	329	10	well	well	ADV
iaajah-7571	329	11	-	-	PUNCT
iaajah-7571	329	12	funded	fund	VERB
iaajah-7571	329	13	,	,	PUNCT
iaajah-7571	329	14	urban	urban	ADJ
iaajah-7571	329	15	-	-	PUNCT
iaajah-7571	329	16	based	base	VERB
iaajah-7571	329	17	cooperatives	cooperative	NOUN
iaajah-7571	329	18	can	can	AUX
iaajah-7571	329	19	afford	afford	VERB
iaajah-7571	329	20	comprehensive	comprehensive	ADJ
iaajah-7571	329	21	digital	digital	ADJ
iaajah-7571	329	22	solutions	solution	NOUN
iaajah-7571	329	23	while	while	SCONJ
iaajah-7571	329	24	rural	rural	ADJ
iaajah-7571	329	25	and	and	CCONJ
iaajah-7571	329	26	informal	informal	ADJ
iaajah-7571	329	27	cooperatives	cooperative	NOUN
iaajah-7571	329	28	remain	remain	VERB
iaajah-7571	329	29	left	left	ADJ
iaajah-7571	329	30	behind	behind	ADV
iaajah-7571	329	31	.	.	PUNCT
iaajah-7571	330	1	resistance	resistance	NOUN
iaajah-7571	330	2	to	to	PART
iaajah-7571	330	3	change	change	VERB
iaajah-7571	330	4	and	and	CCONJ
iaajah-7571	330	5	cultural	cultural	ADJ
iaajah-7571	330	6	barriers	barrier	NOUN
iaajah-7571	330	7	another	another	DET
iaajah-7571	330	8	common	common	ADJ
iaajah-7571	330	9	obstacle	obstacle	NOUN
iaajah-7571	330	10	is	be	AUX
iaajah-7571	330	11	resistance	resistance	NOUN
iaajah-7571	330	12	to	to	PART
iaajah-7571	330	13	change	change	VERB
iaajah-7571	330	14	,	,	PUNCT
iaajah-7571	330	15	which	which	PRON
iaajah-7571	330	16	is	be	AUX
iaajah-7571	330	17	often	often	ADV
iaajah-7571	330	18	rooted	root	VERB
iaajah-7571	330	19	in	in	ADP
iaajah-7571	330	20	cultural	cultural	ADJ
iaajah-7571	330	21	practices	practice	NOUN
iaajah-7571	330	22	,	,	PUNCT
iaajah-7571	330	23	agerelated	agerelate	VERB
iaajah-7571	330	24	bias	bias	NOUN
iaajah-7571	330	25	,	,	PUNCT
iaajah-7571	330	26	or	or	CCONJ
iaajah-7571	330	27	fear	fear	NOUN
iaajah-7571	330	28	of	of	ADP
iaajah-7571	330	29	the	the	DET
iaajah-7571	330	30	unknown	unknown	NOUN
iaajah-7571	330	31	.	.	PUNCT
iaajah-7571	331	1	some	some	DET
iaajah-7571	331	2	cooperative	cooperative	ADJ
iaajah-7571	331	3	leaders	leader	NOUN
iaajah-7571	331	4	and	and	CCONJ
iaajah-7571	331	5	members	member	NOUN
iaajah-7571	331	6	may	may	AUX
iaajah-7571	331	7	perceive	perceive	VERB
iaajah-7571	331	8	ict	ict	NOUN
iaajah-7571	331	9	tools	tool	NOUN
iaajah-7571	331	10	as	as	ADP
iaajah-7571	331	11	unnecessary	unnecessary	ADJ
iaajah-7571	331	12	,	,	PUNCT
iaajah-7571	331	13	elitist	elitist	ADJ
iaajah-7571	331	14	,	,	PUNCT
iaajah-7571	331	15	or	or	CCONJ
iaajah-7571	331	16	even	even	ADV
iaajah-7571	331	17	disruptive	disruptive	ADJ
iaajah-7571	331	18	to	to	ADP
iaajah-7571	331	19	traditional	traditional	ADJ
iaajah-7571	331	20	processes	process	NOUN
iaajah-7571	331	21	.	.	PUNCT
iaajah-7571	332	1	in	in	ADP
iaajah-7571	332	2	cooperatives	cooperative	NOUN
iaajah-7571	332	3	with	with	ADP
iaajah-7571	332	4	strong	strong	ADJ
iaajah-7571	332	5	interpersonal	interpersonal	ADJ
iaajah-7571	332	6	cultures	culture	NOUN
iaajah-7571	332	7	,	,	PUNCT
iaajah-7571	332	8	face	face	NOUN
iaajah-7571	332	9	-	-	PUNCT
iaajah-7571	332	10	to	to	ADP
iaajah-7571	332	11	-	-	PUNCT
iaajah-7571	332	12	face	face	NOUN
iaajah-7571	332	13	meetings	meeting	NOUN
iaajah-7571	332	14	and	and	CCONJ
iaajah-7571	332	15	verbal	verbal	ADJ
iaajah-7571	332	16	communication	communication	NOUN
iaajah-7571	332	17	are	be	AUX
iaajah-7571	332	18	seen	see	VERB
iaajah-7571	332	19	as	as	ADP
iaajah-7571	332	20	more	more	ADV
iaajah-7571	332	21	trustworthy	trustworthy	ADJ
iaajah-7571	332	22	than	than	ADP
iaajah-7571	332	23	impersonal	impersonal	ADJ
iaajah-7571	332	24	digital	digital	ADJ
iaajah-7571	332	25	communication	communication	NOUN
iaajah-7571	332	26	.	.	PUNCT
iaajah-7571	333	1	older	old	ADJ
iaajah-7571	333	2	members	member	NOUN
iaajah-7571	333	3	,	,	PUNCT
iaajah-7571	333	4	in	in	ADP
iaajah-7571	333	5	particular	particular	ADJ
iaajah-7571	333	6	,	,	PUNCT
iaajah-7571	333	7	may	may	AUX
iaajah-7571	333	8	feel	feel	VERB
iaajah-7571	333	9	alienated	alienated	ADJ
iaajah-7571	333	10	by	by	ADP
iaajah-7571	333	11	digital	digital	ADJ
iaajah-7571	333	12	platforms	platform	NOUN
iaajah-7571	333	13	and	and	CCONJ
iaajah-7571	333	14	be	be	AUX
iaajah-7571	333	15	reluctant	reluctant	ADJ
iaajah-7571	333	16	to	to	PART
iaajah-7571	333	17	participate	participate	VERB
iaajah-7571	333	18	in	in	ADP
iaajah-7571	333	19	whatsapp	whatsapp	NOUN
iaajah-7571	333	20	groups	group	NOUN
iaajah-7571	333	21	,	,	PUNCT
iaajah-7571	333	22	virtual	virtual	ADJ
iaajah-7571	333	23	meetings	meeting	NOUN
iaajah-7571	333	24	,	,	PUNCT
iaajah-7571	333	25	or	or	CCONJ
iaajah-7571	333	26	app	app	NOUN
iaajah-7571	333	27	-	-	PUNCT
iaajah-7571	333	28	based	base	VERB
iaajah-7571	333	29	voting	voting	NOUN
iaajah-7571	333	30	systems	system	NOUN
iaajah-7571	333	31	.	.	PUNCT
iaajah-7571	334	1	this	this	PRON
iaajah-7571	334	2	can	can	AUX
iaajah-7571	334	3	create	create	VERB
iaajah-7571	334	4	internal	internal	ADJ
iaajah-7571	334	5	divisions	division	NOUN
iaajah-7571	334	6	within	within	ADP
iaajah-7571	334	7	cooperatives	cooperative	NOUN
iaajah-7571	334	8	and	and	CCONJ
iaajah-7571	334	9	complicate	complicate	VERB
iaajah-7571	334	10	efforts	effort	NOUN
iaajah-7571	334	11	to	to	PART
iaajah-7571	334	12	implement	implement	VERB
iaajah-7571	334	13	digital	digital	ADJ
iaajah-7571	334	14	innovations	innovation	NOUN
iaajah-7571	334	15	equitably	equitably	ADV
iaajah-7571	334	16	.	.	PUNCT
iaajah-7571	335	1	moreover	moreover	ADV
iaajah-7571	335	2	,	,	PUNCT
iaajah-7571	335	3	some	some	DET
iaajah-7571	335	4	members	member	NOUN
iaajah-7571	335	5	associate	associate	VERB
iaajah-7571	335	6	ict	ict	NOUN
iaajah-7571	335	7	tools	tool	NOUN
iaajah-7571	335	8	with	with	ADP
iaajah-7571	335	9	surveillance	surveillance	NOUN
iaajah-7571	335	10	or	or	CCONJ
iaajah-7571	335	11	loss	loss	NOUN
iaajah-7571	335	12	of	of	ADP
iaajah-7571	335	13	control	control	NOUN
iaajah-7571	335	14	,	,	PUNCT
iaajah-7571	335	15	especially	especially	ADV
iaajah-7571	335	16	when	when	SCONJ
iaajah-7571	335	17	they	they	PRON
iaajah-7571	335	18	enable	enable	VERB
iaajah-7571	335	19	greater	great	ADJ
iaajah-7571	335	20	transparency	transparency	NOUN
iaajah-7571	335	21	and	and	CCONJ
iaajah-7571	335	22	recordkeeping	recordkeeping	NOUN
iaajah-7571	335	23	.	.	PUNCT
iaajah-7571	336	1	as	as	ADP
iaajah-7571	336	2	a	a	DET
iaajah-7571	336	3	result	result	NOUN
iaajah-7571	336	4	,	,	PUNCT
iaajah-7571	336	5	they	they	PRON
iaajah-7571	336	6	may	may	AUX
iaajah-7571	336	7	resist	resist	VERB
iaajah-7571	336	8	the	the	DET
iaajah-7571	336	9	use	use	NOUN
iaajah-7571	336	10	of	of	ADP
iaajah-7571	336	11	such	such	ADJ
iaajah-7571	336	12	tools	tool	NOUN
iaajah-7571	336	13	to	to	PART
iaajah-7571	336	14	protect	protect	VERB
iaajah-7571	336	15	their	their	PRON
iaajah-7571	336	16	status	status	NOUN
iaajah-7571	336	17	or	or	CCONJ
iaajah-7571	336	18	avoid	avoid	VERB
iaajah-7571	336	19	accountability	accountability	NOUN
iaajah-7571	336	20	.	.	PUNCT
iaajah-7571	337	1	change	change	NOUN
iaajah-7571	337	2	management	management	NOUN
iaajah-7571	337	3	strategies	strategy	NOUN
iaajah-7571	337	4	that	that	PRON
iaajah-7571	337	5	emphasize	emphasize	VERB
iaajah-7571	337	6	inclusion	inclusion	NOUN
iaajah-7571	337	7	,	,	PUNCT
iaajah-7571	337	8	gradual	gradual	ADJ
iaajah-7571	337	9	integration	integration	NOUN
iaajah-7571	337	10	,	,	PUNCT
iaajah-7571	337	11	and	and	CCONJ
iaajah-7571	337	12	peer	peer	NOUN
iaajah-7571	337	13	support	support	NOUN
iaajah-7571	337	14	are	be	AUX
iaajah-7571	337	15	therefore	therefore	ADV
iaajah-7571	337	16	necessary	necessary	ADJ
iaajah-7571	337	17	to	to	PART
iaajah-7571	337	18	overcome	overcome	VERB
iaajah-7571	337	19	resistance	resistance	NOUN
iaajah-7571	337	20	and	and	CCONJ
iaajah-7571	337	21	foster	foster	ADJ
iaajah-7571	337	22	collective	collective	ADJ
iaajah-7571	337	23	digital	digital	ADJ
iaajah-7571	337	24	buy	buy	NOUN
iaajah-7571	337	25	-	-	PUNCT
iaajah-7571	337	26	in	in	NOUN
iaajah-7571	337	27	.	.	PUNCT
iaajah-7571	338	1	lack	lack	NOUN
iaajah-7571	338	2	of	of	ADP
iaajah-7571	338	3	institutional	institutional	ADJ
iaajah-7571	338	4	and	and	CCONJ
iaajah-7571	338	5	policy	policy	NOUN
iaajah-7571	338	6	support	support	NOUN
iaajah-7571	338	7	igwebuike	igwebuike	NOUN
iaajah-7571	338	8	:	:	PUNCT
iaajah-7571	338	9	an	an	DET
iaajah-7571	338	10	african	african	ADJ
iaajah-7571	338	11	journal	journal	NOUN
iaajah-7571	338	12	of	of	ADP
iaajah-7571	338	13	arts	art	NOUN
iaajah-7571	338	14	and	and	CCONJ
iaajah-7571	338	15	humanities	humanity	NOUN
iaajah-7571	338	16	vol	vol	NOUN
iaajah-7571	338	17	.	.	PUNCT
iaajah-7571	339	1	11	11	NUM
iaajah-7571	339	2	.	.	PUNCT
iaajah-7571	340	1	no	no	INTJ
iaajah-7571	340	2	.	.	NOUN
iaajah-7571	340	3	7	7	NUM
iaajah-7571	340	4	,	,	PUNCT
iaajah-7571	340	5	(	(	PUNCT
iaajah-7571	340	6	2025	2025	NUM
iaajah-7571	340	7	)	)	PUNCT
iaajah-7571	340	8	issn	issn	PROPN
iaajah-7571	340	9	:	:	PUNCT
iaajah-7571	340	10	24889210	24889210	NUM
iaajah-7571	340	11	(	(	PUNCT
iaajah-7571	340	12	print	print	NOUN
iaajah-7571	340	13	)	)	PUNCT
iaajah-7571	340	14	2504	2504	NUM
iaajah-7571	340	15	-	-	SYM
iaajah-7571	340	16	9038	9038	NUM
iaajah-7571	340	17	(	(	PUNCT
iaajah-7571	340	18	online	online	NOUN
iaajah-7571	340	19	)	)	PUNCT
iaajah-7571	340	20	dept	dept	NOUN
iaajah-7571	340	21	.	.	PROPN
iaajah-7571	341	1	of	of	ADP
iaajah-7571	341	2	philosophy	philosophy	NOUN
iaajah-7571	341	3	and	and	CCONJ
iaajah-7571	341	4	religious	religious	ADJ
iaajah-7571	341	5	studies	study	NOUN
iaajah-7571	341	6	,	,	PUNCT
iaajah-7571	341	7	tansian	tansian	PROPN
iaajah-7571	341	8	university	university	PROPN
iaajah-7571	341	9	umunya	umunya	PROPN
iaajah-7571	341	10	indexed	indexed	PROPN
iaajah-7571	341	11	:	:	PUNCT
iaajah-7571	341	12	academic	academic	ADJ
iaajah-7571	341	13	journals	journal	NOUN
iaajah-7571	341	14	online	online	ADV
iaajah-7571	341	15	,	,	PUNCT
iaajah-7571	341	16	google	google	PROPN
iaajah-7571	341	17	scholar	scholar	NOUN
iaajah-7571	341	18	,	,	PUNCT
iaajah-7571	341	19	igwebuike	igwebuike	PROPN
iaajah-7571	341	20	research	research	PROPN
iaajah-7571	341	21	institute	institute	NOUN
iaajah-7571	341	22	76	76	NUM
iaajah-7571	341	23	despite	despite	SCONJ
iaajah-7571	341	24	the	the	DET
iaajah-7571	341	25	central	central	ADJ
iaajah-7571	341	26	role	role	NOUN
iaajah-7571	341	27	of	of	ADP
iaajah-7571	341	28	cooperatives	cooperative	NOUN
iaajah-7571	341	29	in	in	ADP
iaajah-7571	341	30	nigeria	nigeria	PROPN
iaajah-7571	341	31	’s	’s	PART
iaajah-7571	341	32	grassroots	grassroots	ADJ
iaajah-7571	341	33	economy	economy	NOUN
iaajah-7571	341	34	,	,	PUNCT
iaajah-7571	341	35	institutional	institutional	ADJ
iaajah-7571	341	36	support	support	NOUN
iaajah-7571	341	37	for	for	ADP
iaajah-7571	341	38	digital	digital	ADJ
iaajah-7571	341	39	transformation	transformation	NOUN
iaajah-7571	341	40	in	in	ADP
iaajah-7571	341	41	the	the	DET
iaajah-7571	341	42	sector	sector	NOUN
iaajah-7571	341	43	is	be	AUX
iaajah-7571	341	44	weak	weak	ADJ
iaajah-7571	341	45	.	.	PUNCT
iaajah-7571	342	1	most	most	ADJ
iaajah-7571	342	2	state	state	PROPN
iaajah-7571	342	3	cooperative	cooperative	ADJ
iaajah-7571	342	4	departments	department	NOUN
iaajah-7571	342	5	lack	lack	VERB
iaajah-7571	342	6	the	the	DET
iaajah-7571	342	7	funding	funding	NOUN
iaajah-7571	342	8	,	,	PUNCT
iaajah-7571	342	9	personnel	personnel	NOUN
iaajah-7571	342	10	,	,	PUNCT
iaajah-7571	342	11	or	or	CCONJ
iaajah-7571	342	12	technical	technical	ADJ
iaajah-7571	342	13	capacity	capacity	NOUN
iaajah-7571	342	14	to	to	PART
iaajah-7571	342	15	guide	guide	VERB
iaajah-7571	342	16	cooperatives	cooperative	NOUN
iaajah-7571	342	17	on	on	ADP
iaajah-7571	342	18	ict	ict	NOUN
iaajah-7571	342	19	usage	usage	NOUN
iaajah-7571	342	20	or	or	CCONJ
iaajah-7571	342	21	provide	provide	VERB
iaajah-7571	342	22	standardized	standardized	ADJ
iaajah-7571	342	23	digital	digital	ADJ
iaajah-7571	342	24	tools	tool	NOUN
iaajah-7571	342	25	.	.	PUNCT
iaajah-7571	343	1	national	national	ADJ
iaajah-7571	343	2	ict	ict	PROPN
iaajah-7571	343	3	policies	policy	NOUN
iaajah-7571	343	4	such	such	ADJ
iaajah-7571	343	5	as	as	ADP
iaajah-7571	343	6	the	the	DET
iaajah-7571	343	7	national	national	ADJ
iaajah-7571	343	8	digital	digital	ADJ
iaajah-7571	343	9	economy	economy	NOUN
iaajah-7571	343	10	policy	policy	NOUN
iaajah-7571	343	11	and	and	CCONJ
iaajah-7571	343	12	strategy	strategy	NOUN
iaajah-7571	343	13	(	(	PUNCT
iaajah-7571	343	14	ndeps	ndep	NOUN
iaajah-7571	343	15	)	)	PUNCT
iaajah-7571	343	16	focus	focus	VERB
iaajah-7571	343	17	more	more	ADV
iaajah-7571	343	18	broadly	broadly	ADV
iaajah-7571	343	19	on	on	ADP
iaajah-7571	343	20	digital	digital	ADJ
iaajah-7571	343	21	inclusion	inclusion	NOUN
iaajah-7571	343	22	,	,	PUNCT
iaajah-7571	343	23	education	education	NOUN
iaajah-7571	343	24	,	,	PUNCT
iaajah-7571	343	25	and	and	CCONJ
iaajah-7571	343	26	e	e	NOUN
iaajah-7571	343	27	-	-	NOUN
iaajah-7571	343	28	government	government	NOUN
iaajah-7571	343	29	but	but	CCONJ
iaajah-7571	343	30	do	do	AUX
iaajah-7571	343	31	not	not	PART
iaajah-7571	343	32	address	address	VERB
iaajah-7571	343	33	the	the	DET
iaajah-7571	343	34	unique	unique	ADJ
iaajah-7571	343	35	needs	need	NOUN
iaajah-7571	343	36	of	of	ADP
iaajah-7571	343	37	cooperative	cooperative	ADJ
iaajah-7571	343	38	societies	society	NOUN
iaajah-7571	343	39	(	(	PUNCT
iaajah-7571	343	40	federal	federal	PROPN
iaajah-7571	343	41	ministry	ministry	PROPN
iaajah-7571	343	42	of	of	ADP
iaajah-7571	343	43	communications	communication	NOUN
iaajah-7571	343	44	and	and	CCONJ
iaajah-7571	343	45	digital	digital	ADJ
iaajah-7571	343	46	economy	economy	NOUN
iaajah-7571	343	47	,	,	PUNCT
iaajah-7571	343	48	2020	2020	NUM
iaajah-7571	343	49	)	)	PUNCT
iaajah-7571	343	50	.	.	PUNCT
iaajah-7571	344	1	there	there	PRON
iaajah-7571	344	2	are	be	VERB
iaajah-7571	344	3	no	no	DET
iaajah-7571	344	4	specific	specific	ADJ
iaajah-7571	344	5	government	government	NOUN
iaajah-7571	344	6	-	-	PUNCT
iaajah-7571	344	7	funded	fund	VERB
iaajah-7571	344	8	programs	program	NOUN
iaajah-7571	344	9	targeting	target	VERB
iaajah-7571	344	10	digital	digital	ADJ
iaajah-7571	344	11	training	training	NOUN
iaajah-7571	344	12	,	,	PUNCT
iaajah-7571	344	13	cooperative	cooperative	ADJ
iaajah-7571	344	14	software	software	NOUN
iaajah-7571	344	15	development	development	NOUN
iaajah-7571	344	16	,	,	PUNCT
iaajah-7571	344	17	or	or	CCONJ
iaajah-7571	344	18	subsidized	subsidize	VERB
iaajah-7571	344	19	ict	ict	NOUN
iaajah-7571	344	20	access	access	NOUN
iaajah-7571	344	21	for	for	ADP
iaajah-7571	344	22	cooperatives	cooperative	NOUN
iaajah-7571	344	23	.	.	PUNCT
iaajah-7571	345	1	this	this	DET
iaajah-7571	345	2	policy	policy	NOUN
iaajah-7571	345	3	vacuum	vacuum	NOUN
iaajah-7571	345	4	leaves	leave	VERB
iaajah-7571	345	5	cooperatives	cooperative	NOUN
iaajah-7571	345	6	to	to	PART
iaajah-7571	345	7	fend	fend	VERB
iaajah-7571	345	8	for	for	ADP
iaajah-7571	345	9	themselves	themselves	PRON
iaajah-7571	345	10	or	or	CCONJ
iaajah-7571	345	11	depend	depend	VERB
iaajah-7571	345	12	on	on	ADP
iaajah-7571	345	13	ngo	ngo	PROPN
iaajah-7571	345	14	interventions	intervention	NOUN
iaajah-7571	345	15	that	that	PRON
iaajah-7571	345	16	are	be	AUX
iaajah-7571	345	17	often	often	ADV
iaajah-7571	345	18	limited	limit	VERB
iaajah-7571	345	19	in	in	ADP
iaajah-7571	345	20	scope	scope	NOUN
iaajah-7571	345	21	and	and	CCONJ
iaajah-7571	345	22	sustainability	sustainability	NOUN
iaajah-7571	345	23	.	.	PUNCT
iaajah-7571	346	1	the	the	DET
iaajah-7571	346	2	absence	absence	NOUN
iaajah-7571	346	3	of	of	ADP
iaajah-7571	346	4	regulatory	regulatory	ADJ
iaajah-7571	346	5	incentives	incentive	NOUN
iaajah-7571	346	6	or	or	CCONJ
iaajah-7571	346	7	guidance	guidance	NOUN
iaajah-7571	346	8	also	also	ADV
iaajah-7571	346	9	means	mean	VERB
iaajah-7571	346	10	that	that	SCONJ
iaajah-7571	346	11	ict	ict	PROPN
iaajah-7571	346	12	integration	integration	NOUN
iaajah-7571	346	13	is	be	AUX
iaajah-7571	346	14	inconsistent	inconsistent	ADJ
iaajah-7571	346	15	and	and	CCONJ
iaajah-7571	346	16	fragmented	fragment	VERB
iaajah-7571	346	17	across	across	ADP
iaajah-7571	346	18	the	the	DET
iaajah-7571	346	19	sector	sector	NOUN
iaajah-7571	346	20	.	.	PUNCT
iaajah-7571	347	1	trust	trust	NOUN
iaajah-7571	347	2	issues	issue	NOUN
iaajah-7571	347	3	and	and	CCONJ
iaajah-7571	347	4	cybersecurity	cybersecurity	NOUN
iaajah-7571	347	5	concerns	concern	NOUN
iaajah-7571	347	6	as	as	SCONJ
iaajah-7571	347	7	cooperatives	cooperative	NOUN
iaajah-7571	347	8	begin	begin	VERB
iaajah-7571	347	9	using	use	VERB
iaajah-7571	347	10	digital	digital	ADJ
iaajah-7571	347	11	platforms	platform	NOUN
iaajah-7571	347	12	for	for	ADP
iaajah-7571	347	13	financial	financial	ADJ
iaajah-7571	347	14	transactions	transaction	NOUN
iaajah-7571	347	15	,	,	PUNCT
iaajah-7571	347	16	data	datum	NOUN
iaajah-7571	347	17	storage	storage	NOUN
iaajah-7571	347	18	,	,	PUNCT
iaajah-7571	347	19	and	and	CCONJ
iaajah-7571	347	20	communication	communication	NOUN
iaajah-7571	347	21	,	,	PUNCT
iaajah-7571	347	22	concerns	concern	NOUN
iaajah-7571	347	23	around	around	ADP
iaajah-7571	347	24	security	security	NOUN
iaajah-7571	347	25	and	and	CCONJ
iaajah-7571	347	26	privacy	privacy	NOUN
iaajah-7571	347	27	are	be	AUX
iaajah-7571	347	28	emerging	emerge	VERB
iaajah-7571	347	29	.	.	PUNCT
iaajah-7571	348	1	some	some	DET
iaajah-7571	348	2	members	member	NOUN
iaajah-7571	348	3	fear	fear	VERB
iaajah-7571	348	4	that	that	SCONJ
iaajah-7571	348	5	using	use	VERB
iaajah-7571	348	6	mobile	mobile	ADJ
iaajah-7571	348	7	banking	banking	NOUN
iaajah-7571	348	8	,	,	PUNCT
iaajah-7571	348	9	online	online	ADJ
iaajah-7571	348	10	voting	voting	NOUN
iaajah-7571	348	11	,	,	PUNCT
iaajah-7571	348	12	or	or	CCONJ
iaajah-7571	348	13	cloud	cloud	NOUN
iaajah-7571	348	14	storage	storage	NOUN
iaajah-7571	348	15	may	may	AUX
iaajah-7571	348	16	expose	expose	VERB
iaajah-7571	348	17	them	they	PRON
iaajah-7571	348	18	to	to	PART
iaajah-7571	348	19	fraud	fraud	VERB
iaajah-7571	348	20	,	,	PUNCT
iaajah-7571	348	21	hacking	hack	VERB
iaajah-7571	348	22	,	,	PUNCT
iaajah-7571	348	23	or	or	CCONJ
iaajah-7571	348	24	identity	identity	NOUN
iaajah-7571	348	25	theft	theft	NOUN
iaajah-7571	348	26	.	.	PUNCT
iaajah-7571	349	1	past	past	ADJ
iaajah-7571	349	2	experiences	experience	NOUN
iaajah-7571	349	3	with	with	ADP
iaajah-7571	349	4	mobile	mobile	ADJ
iaajah-7571	349	5	money	money	NOUN
iaajah-7571	349	6	scams	scam	NOUN
iaajah-7571	349	7	,	,	PUNCT
iaajah-7571	349	8	email	email	NOUN
iaajah-7571	349	9	fraud	fraud	NOUN
iaajah-7571	349	10	,	,	PUNCT
iaajah-7571	349	11	or	or	CCONJ
iaajah-7571	349	12	unauthorized	unauthorized	ADJ
iaajah-7571	349	13	access	access	NOUN
iaajah-7571	349	14	to	to	ADP
iaajah-7571	349	15	cooperative	cooperative	ADJ
iaajah-7571	349	16	funds	fund	NOUN
iaajah-7571	349	17	have	have	AUX
iaajah-7571	349	18	made	make	VERB
iaajah-7571	349	19	some	some	DET
iaajah-7571	349	20	societies	society	NOUN
iaajah-7571	349	21	skeptical	skeptical	ADJ
iaajah-7571	349	22	of	of	ADP
iaajah-7571	349	23	digital	digital	ADJ
iaajah-7571	349	24	platforms	platform	NOUN
iaajah-7571	349	25	.	.	PUNCT
iaajah-7571	350	1	without	without	ADP
iaajah-7571	350	2	proper	proper	ADJ
iaajah-7571	350	3	cybersecurity	cybersecurity	NOUN
iaajah-7571	350	4	education	education	NOUN
iaajah-7571	350	5	and	and	CCONJ
iaajah-7571	350	6	secure	secure	ADJ
iaajah-7571	350	7	infrastructure	infrastructure	NOUN
iaajah-7571	350	8	,	,	PUNCT
iaajah-7571	350	9	these	these	DET
iaajah-7571	350	10	concerns	concern	NOUN
iaajah-7571	350	11	discourage	discourage	VERB
iaajah-7571	350	12	ict	ict	NOUN
iaajah-7571	350	13	adoption	adoption	NOUN
iaajah-7571	350	14	.	.	PUNCT
iaajah-7571	351	1	additionally	additionally	ADV
iaajah-7571	351	2	,	,	PUNCT
iaajah-7571	351	3	poorly	poorly	ADV
iaajah-7571	351	4	designed	design	VERB
iaajah-7571	351	5	platforms	platform	NOUN
iaajah-7571	351	6	or	or	CCONJ
iaajah-7571	351	7	lack	lack	NOUN
iaajah-7571	351	8	of	of	ADP
iaajah-7571	351	9	encryption	encryption	NOUN
iaajah-7571	351	10	can	can	AUX
iaajah-7571	351	11	compromise	compromise	VERB
iaajah-7571	351	12	member	member	NOUN
iaajah-7571	351	13	data	datum	NOUN
iaajah-7571	351	14	,	,	PUNCT
iaajah-7571	351	15	eroding	erode	VERB
iaajah-7571	351	16	trust	trust	NOUN
iaajah-7571	351	17	in	in	ADP
iaajah-7571	351	18	the	the	DET
iaajah-7571	351	19	cooperative	cooperative	NOUN
iaajah-7571	351	20	’s	’s	PART
iaajah-7571	351	21	digital	digital	ADJ
iaajah-7571	351	22	system	system	NOUN
iaajah-7571	351	23	.	.	PUNCT
iaajah-7571	352	1	this	this	PRON
iaajah-7571	352	2	makes	make	VERB
iaajah-7571	352	3	it	it	PRON
iaajah-7571	352	4	imperative	imperative	ADJ
iaajah-7571	352	5	for	for	ADP
iaajah-7571	352	6	cooperatives	cooperative	NOUN
iaajah-7571	352	7	to	to	PART
iaajah-7571	352	8	adopt	adopt	AUX
iaajah-7571	352	9	secure	secure	VERB
iaajah-7571	352	10	ict	ict	NOUN
iaajah-7571	352	11	solutions	solution	NOUN
iaajah-7571	352	12	and	and	CCONJ
iaajah-7571	352	13	engage	engage	VERB
iaajah-7571	352	14	in	in	ADP
iaajah-7571	352	15	continuous	continuous	ADJ
iaajah-7571	352	16	cybersecurity	cybersecurity	NOUN
iaajah-7571	352	17	awareness	awareness	NOUN
iaajah-7571	352	18	.	.	PUNCT
iaajah-7571	353	1	language	language	NOUN
iaajah-7571	353	2	and	and	CCONJ
iaajah-7571	353	3	literacy	literacy	NOUN
iaajah-7571	353	4	barriers	barrier	NOUN
iaajah-7571	353	5	nigeria	nigeria	PROPN
iaajah-7571	353	6	is	be	AUX
iaajah-7571	353	7	a	a	DET
iaajah-7571	353	8	linguistically	linguistically	ADV
iaajah-7571	353	9	diverse	diverse	ADJ
iaajah-7571	353	10	country	country	NOUN
iaajah-7571	353	11	,	,	PUNCT
iaajah-7571	353	12	and	and	CCONJ
iaajah-7571	353	13	many	many	ADJ
iaajah-7571	353	14	cooperative	cooperative	ADJ
iaajah-7571	353	15	members	member	NOUN
iaajah-7571	353	16	—	—	PUNCT
iaajah-7571	353	17	especially	especially	ADV
iaajah-7571	353	18	in	in	ADP
iaajah-7571	353	19	rural	rural	ADJ
iaajah-7571	353	20	areas	area	NOUN
iaajah-7571	353	21	speak	speak	VERB
iaajah-7571	353	22	only	only	ADV
iaajah-7571	353	23	local	local	ADJ
iaajah-7571	353	24	languages	language	NOUN
iaajah-7571	353	25	or	or	CCONJ
iaajah-7571	353	26	have	have	AUX
iaajah-7571	353	27	limited	limit	VERB
iaajah-7571	353	28	formal	formal	ADJ
iaajah-7571	353	29	education	education	NOUN
iaajah-7571	353	30	.	.	PUNCT
iaajah-7571	354	1	most	most	ADJ
iaajah-7571	354	2	ict	ict	PROPN
iaajah-7571	354	3	tools	tool	NOUN
iaajah-7571	354	4	,	,	PUNCT
iaajah-7571	354	5	applications	application	NOUN
iaajah-7571	354	6	,	,	PUNCT
iaajah-7571	354	7	and	and	CCONJ
iaajah-7571	354	8	training	training	NOUN
iaajah-7571	354	9	materials	material	NOUN
iaajah-7571	354	10	are	be	AUX
iaajah-7571	354	11	presented	present	VERB
iaajah-7571	354	12	in	in	ADP
iaajah-7571	354	13	english	english	PROPN
iaajah-7571	354	14	or	or	CCONJ
iaajah-7571	354	15	require	require	VERB
iaajah-7571	354	16	basic	basic	ADJ
iaajah-7571	354	17	reading	reading	NOUN
iaajah-7571	354	18	proficiency	proficiency	NOUN
iaajah-7571	354	19	.	.	PUNCT
iaajah-7571	355	1	this	this	PRON
iaajah-7571	355	2	creates	create	VERB
iaajah-7571	355	3	communication	communication	NOUN
iaajah-7571	355	4	barriers	barrier	NOUN
iaajah-7571	355	5	,	,	PUNCT
iaajah-7571	355	6	as	as	SCONJ
iaajah-7571	355	7	members	member	NOUN
iaajah-7571	355	8	may	may	AUX
iaajah-7571	355	9	not	not	PART
iaajah-7571	355	10	understand	understand	VERB
iaajah-7571	355	11	app	app	NOUN
iaajah-7571	355	12	interfaces	interface	NOUN
iaajah-7571	355	13	,	,	PUNCT
iaajah-7571	355	14	email	email	NOUN
iaajah-7571	355	15	instructions	instruction	NOUN
iaajah-7571	355	16	,	,	PUNCT
iaajah-7571	355	17	or	or	CCONJ
iaajah-7571	355	18	virtual	virtual	ADJ
iaajah-7571	355	19	meeting	meeting	NOUN
iaajah-7571	355	20	protocols	protocol	NOUN
iaajah-7571	355	21	.	.	PUNCT
iaajah-7571	356	1	the	the	DET
iaajah-7571	356	2	lack	lack	NOUN
iaajah-7571	356	3	of	of	ADP
iaajah-7571	356	4	ict	ict	NOUN
iaajah-7571	356	5	tools	tool	NOUN
iaajah-7571	356	6	in	in	ADP
iaajah-7571	356	7	indigenous	indigenous	ADJ
iaajah-7571	356	8	languages	language	NOUN
iaajah-7571	356	9	further	far	ADV
iaajah-7571	356	10	limits	limit	VERB
iaajah-7571	356	11	adoption	adoption	NOUN
iaajah-7571	356	12	and	and	CCONJ
iaajah-7571	356	13	reinforces	reinforce	VERB
iaajah-7571	356	14	digital	digital	ADJ
iaajah-7571	356	15	exclusion	exclusion	NOUN
iaajah-7571	356	16	.	.	PUNCT
iaajah-7571	357	1	to	to	PART
iaajah-7571	357	2	overcome	overcome	VERB
iaajah-7571	357	3	this	this	PRON
iaajah-7571	357	4	,	,	PUNCT
iaajah-7571	357	5	developers	developer	NOUN
iaajah-7571	357	6	and	and	CCONJ
iaajah-7571	357	7	cooperative	cooperative	ADJ
iaajah-7571	357	8	leaders	leader	NOUN
iaajah-7571	357	9	need	need	VERB
iaajah-7571	357	10	to	to	PART
iaajah-7571	357	11	prioritize	prioritize	VERB
iaajah-7571	357	12	language	language	NOUN
iaajah-7571	357	13	localization	localization	NOUN
iaajah-7571	357	14	,	,	PUNCT
iaajah-7571	357	15	use	use	VERB
iaajah-7571	357	16	voice	voice	NOUN
iaajah-7571	357	17	-	-	PUNCT
iaajah-7571	357	18	based	base	VERB
iaajah-7571	357	19	apps	app	NOUN
iaajah-7571	357	20	or	or	CCONJ
iaajah-7571	357	21	videos	video	NOUN
iaajah-7571	357	22	,	,	PUNCT
iaajah-7571	357	23	and	and	CCONJ
iaajah-7571	357	24	simplify	simplify	ADJ
iaajah-7571	357	25	user	user	NOUN
iaajah-7571	357	26	interfaces	interface	NOUN
iaajah-7571	357	27	to	to	PART
iaajah-7571	357	28	accommodate	accommodate	VERB
iaajah-7571	357	29	all	all	DET
iaajah-7571	357	30	literacy	literacy	NOUN
iaajah-7571	357	31	levels	level	NOUN
iaajah-7571	357	32	.	.	PUNCT
iaajah-7571	358	1	case	case	NOUN
iaajah-7571	358	2	illustration	illustration	NOUN
iaajah-7571	358	3	:	:	PUNCT
iaajah-7571	358	4	egbe	egbe	NOUN
iaajah-7571	358	5	progress	progress	NOUN
iaajah-7571	358	6	cooperative	cooperative	NOUN
iaajah-7571	358	7	,	,	PUNCT
iaajah-7571	358	8	ogun	ogun	PROPN
iaajah-7571	358	9	state	state	NOUN
iaajah-7571	358	10	igwebuike	igwebuike	PROPN
iaajah-7571	358	11	:	:	PUNCT
iaajah-7571	358	12	an	an	DET
iaajah-7571	358	13	african	african	ADJ
iaajah-7571	358	14	journal	journal	NOUN
iaajah-7571	358	15	of	of	ADP
iaajah-7571	358	16	arts	art	NOUN
iaajah-7571	358	17	and	and	CCONJ
iaajah-7571	358	18	humanities	humanity	NOUN
iaajah-7571	358	19	vol	vol	NOUN
iaajah-7571	358	20	.	.	PUNCT
iaajah-7571	359	1	11	11	NUM
iaajah-7571	359	2	.	.	PUNCT
iaajah-7571	360	1	no	no	INTJ
iaajah-7571	360	2	.	.	NOUN
iaajah-7571	360	3	7	7	NUM
iaajah-7571	360	4	,	,	PUNCT
iaajah-7571	360	5	(	(	PUNCT
iaajah-7571	360	6	2025	2025	NUM
iaajah-7571	360	7	)	)	PUNCT
iaajah-7571	360	8	issn	issn	PROPN
iaajah-7571	360	9	:	:	PUNCT
iaajah-7571	360	10	24889210	24889210	NUM
iaajah-7571	360	11	(	(	PUNCT
iaajah-7571	360	12	print	print	NOUN
iaajah-7571	360	13	)	)	PUNCT
iaajah-7571	360	14	2504	2504	NUM
iaajah-7571	360	15	-	-	SYM
iaajah-7571	360	16	9038	9038	NUM
iaajah-7571	360	17	(	(	PUNCT
iaajah-7571	360	18	online	online	NOUN
iaajah-7571	360	19	)	)	PUNCT
iaajah-7571	360	20	dept	dept	NOUN
iaajah-7571	360	21	.	.	PROPN
iaajah-7571	361	1	of	of	ADP
iaajah-7571	361	2	philosophy	philosophy	NOUN
iaajah-7571	361	3	and	and	CCONJ
iaajah-7571	361	4	religious	religious	ADJ
iaajah-7571	361	5	studies	study	NOUN
iaajah-7571	361	6	,	,	PUNCT
iaajah-7571	361	7	tansian	tansian	PROPN
iaajah-7571	361	8	university	university	PROPN
iaajah-7571	361	9	umunya	umunya	PROPN
iaajah-7571	361	10	indexed	indexed	PROPN
iaajah-7571	361	11	:	:	PUNCT
iaajah-7571	361	12	academic	academic	ADJ
iaajah-7571	361	13	journals	journal	NOUN
iaajah-7571	361	14	online	online	ADV
iaajah-7571	361	15	,	,	PUNCT
iaajah-7571	361	16	google	google	PROPN
iaajah-7571	361	17	scholar	scholar	NOUN
iaajah-7571	361	18	,	,	PUNCT
iaajah-7571	361	19	igwebuike	igwebuike	PROPN
iaajah-7571	361	20	research	research	PROPN
iaajah-7571	361	21	institute	institute	PROPN
iaajah-7571	361	22	77	77	NUM
iaajah-7571	361	23	egbe	egbe	PROPN
iaajah-7571	361	24	progress	progress	NOUN
iaajah-7571	361	25	cooperative	cooperative	ADJ
iaajah-7571	361	26	society	society	NOUN
iaajah-7571	361	27	,	,	PUNCT
iaajah-7571	361	28	located	locate	VERB
iaajah-7571	361	29	in	in	ADP
iaajah-7571	361	30	ifo	ifo	PROPN
iaajah-7571	361	31	local	local	ADJ
iaajah-7571	361	32	government	government	NOUN
iaajah-7571	361	33	area	area	NOUN
iaajah-7571	361	34	of	of	ADP
iaajah-7571	361	35	ogun	ogun	PROPN
iaajah-7571	361	36	state	state	PROPN
iaajah-7571	361	37	,	,	PUNCT
iaajah-7571	361	38	nigeria	nigeria	PROPN
iaajah-7571	361	39	,	,	PUNCT
iaajah-7571	361	40	offers	offer	VERB
iaajah-7571	361	41	a	a	DET
iaajah-7571	361	42	compelling	compelling	ADJ
iaajah-7571	361	43	example	example	NOUN
iaajah-7571	361	44	of	of	ADP
iaajah-7571	361	45	how	how	SCONJ
iaajah-7571	361	46	a	a	DET
iaajah-7571	361	47	mid	mid	ADJ
iaajah-7571	361	48	-	-	ADJ
iaajah-7571	361	49	sized	sized	ADJ
iaajah-7571	361	50	rural	rural	ADJ
iaajah-7571	361	51	cooperative	cooperative	NOUN
iaajah-7571	361	52	can	can	AUX
iaajah-7571	361	53	gradually	gradually	ADV
iaajah-7571	361	54	adopt	adopt	VERB
iaajah-7571	361	55	ict	ict	NOUN
iaajah-7571	361	56	tools	tool	NOUN
iaajah-7571	361	57	to	to	PART
iaajah-7571	361	58	strengthen	strengthen	VERB
iaajah-7571	361	59	its	its	PRON
iaajah-7571	361	60	internal	internal	ADJ
iaajah-7571	361	61	communication	communication	NOUN
iaajah-7571	361	62	and	and	CCONJ
iaajah-7571	361	63	overall	overall	ADJ
iaajah-7571	361	64	operational	operational	ADJ
iaajah-7571	361	65	efficiency	efficiency	NOUN
iaajah-7571	361	66	.	.	PUNCT
iaajah-7571	362	1	established	establish	VERB
iaajah-7571	362	2	in	in	ADP
iaajah-7571	362	3	2007	2007	NUM
iaajah-7571	362	4	with	with	ADP
iaajah-7571	362	5	45	45	NUM
iaajah-7571	362	6	members	member	NOUN
iaajah-7571	362	7	mostly	mostly	ADV
iaajah-7571	362	8	farmers	farmer	NOUN
iaajah-7571	362	9	,	,	PUNCT
iaajah-7571	362	10	petty	petty	ADJ
iaajah-7571	362	11	traders	trader	NOUN
iaajah-7571	362	12	,	,	PUNCT
iaajah-7571	362	13	and	and	CCONJ
iaajah-7571	362	14	artisans	artisan	NOUN
iaajah-7571	362	15	egbe	egbe	AUX
iaajah-7571	362	16	progress	progress	NOUN
iaajah-7571	362	17	cooperative	cooperative	NOUN
iaajah-7571	362	18	has	have	AUX
iaajah-7571	362	19	grown	grow	VERB
iaajah-7571	362	20	to	to	ADP
iaajah-7571	362	21	over	over	ADP
iaajah-7571	362	22	120	120	NUM
iaajah-7571	362	23	active	active	ADJ
iaajah-7571	362	24	members	member	NOUN
iaajah-7571	362	25	by	by	ADP
iaajah-7571	362	26	2024	2024	NUM
iaajah-7571	362	27	.	.	PUNCT
iaajah-7571	363	1	its	its	PRON
iaajah-7571	363	2	evolution	evolution	NOUN
iaajah-7571	363	3	in	in	ADP
iaajah-7571	363	4	digital	digital	ADJ
iaajah-7571	363	5	communication	communication	NOUN
iaajah-7571	363	6	practices	practice	NOUN
iaajah-7571	363	7	reflects	reflect	VERB
iaajah-7571	363	8	both	both	CCONJ
iaajah-7571	363	9	the	the	DET
iaajah-7571	363	10	opportunities	opportunity	NOUN
iaajah-7571	363	11	and	and	CCONJ
iaajah-7571	363	12	challenges	challenge	NOUN
iaajah-7571	363	13	faced	face	VERB
iaajah-7571	363	14	by	by	ADP
iaajah-7571	363	15	grassroots	grassroot	NOUN
iaajah-7571	363	16	cooperatives	cooperative	NOUN
iaajah-7571	363	17	navigating	navigate	VERB
iaajah-7571	363	18	the	the	DET
iaajah-7571	363	19	digital	digital	ADJ
iaajah-7571	363	20	age	age	NOUN
iaajah-7571	363	21	.	.	PUNCT
iaajah-7571	364	1	background	background	NOUN
iaajah-7571	364	2	and	and	CCONJ
iaajah-7571	364	3	organizational	organizational	ADJ
iaajah-7571	364	4	setup	setup	NOUN
iaajah-7571	364	5	egbe	egbe	NOUN
iaajah-7571	364	6	progress	progress	NOUN
iaajah-7571	364	7	cooperative	cooperative	NOUN
iaajah-7571	364	8	began	begin	VERB
iaajah-7571	364	9	with	with	ADP
iaajah-7571	364	10	traditional	traditional	ADJ
iaajah-7571	364	11	communication	communication	NOUN
iaajah-7571	364	12	methods	method	NOUN
iaajah-7571	364	13	:	:	PUNCT
iaajah-7571	364	14	face	face	NOUN
iaajah-7571	364	15	-	-	PUNCT
iaajah-7571	364	16	to	to	ADP
iaajah-7571	364	17	-	-	PUNCT
iaajah-7571	364	18	face	face	VERB
iaajah-7571	364	19	monthly	monthly	ADJ
iaajah-7571	364	20	meetings	meeting	NOUN
iaajah-7571	364	21	,	,	PUNCT
iaajah-7571	364	22	handwritten	handwritten	ADJ
iaajah-7571	364	23	records	record	NOUN
iaajah-7571	364	24	,	,	PUNCT
iaajah-7571	364	25	and	and	CCONJ
iaajah-7571	364	26	physical	physical	ADJ
iaajah-7571	364	27	notices	notice	NOUN
iaajah-7571	364	28	posted	post	VERB
iaajah-7571	364	29	at	at	ADP
iaajah-7571	364	30	the	the	DET
iaajah-7571	364	31	local	local	ADJ
iaajah-7571	364	32	town	town	NOUN
iaajah-7571	364	33	hall	hall	NOUN
iaajah-7571	364	34	.	.	PUNCT
iaajah-7571	365	1	communication	communication	NOUN
iaajah-7571	365	2	was	be	AUX
iaajah-7571	365	3	often	often	ADV
iaajah-7571	365	4	delayed	delay	VERB
iaajah-7571	365	5	,	,	PUNCT
iaajah-7571	365	6	and	and	CCONJ
iaajah-7571	365	7	members	member	NOUN
iaajah-7571	365	8	who	who	PRON
iaajah-7571	365	9	traveled	travel	VERB
iaajah-7571	365	10	or	or	CCONJ
iaajah-7571	365	11	relocated	relocate	VERB
iaajah-7571	365	12	temporarily	temporarily	ADV
iaajah-7571	365	13	missed	miss	VERB
iaajah-7571	365	14	key	key	ADJ
iaajah-7571	365	15	updates	update	NOUN
iaajah-7571	365	16	.	.	PUNCT
iaajah-7571	366	1	this	this	PRON
iaajah-7571	366	2	led	lead	VERB
iaajah-7571	366	3	to	to	ADP
iaajah-7571	366	4	frequent	frequent	ADJ
iaajah-7571	366	5	miscommunication	miscommunication	NOUN
iaajah-7571	366	6	,	,	PUNCT
iaajah-7571	366	7	late	late	ADJ
iaajah-7571	366	8	loan	loan	NOUN
iaajah-7571	366	9	repayments	repayment	NOUN
iaajah-7571	366	10	,	,	PUNCT
iaajah-7571	366	11	and	and	CCONJ
iaajah-7571	366	12	declining	decline	VERB
iaajah-7571	366	13	participation	participation	NOUN
iaajah-7571	366	14	in	in	ADP
iaajah-7571	366	15	group	group	NOUN
iaajah-7571	366	16	projects	project	NOUN
iaajah-7571	366	17	.	.	PUNCT
iaajah-7571	367	1	in	in	ADP
iaajah-7571	367	2	2018	2018	NUM
iaajah-7571	367	3	,	,	PUNCT
iaajah-7571	367	4	under	under	ADP
iaajah-7571	367	5	the	the	DET
iaajah-7571	367	6	leadership	leadership	NOUN
iaajah-7571	367	7	of	of	ADP
iaajah-7571	367	8	its	its	PRON
iaajah-7571	367	9	then	then	ADV
iaajah-7571	367	10	-	-	PUNCT
iaajah-7571	367	11	new	new	ADJ
iaajah-7571	367	12	president	president	NOUN
iaajah-7571	367	13	,	,	PUNCT
iaajah-7571	367	14	mrs	mrs	PROPN
iaajah-7571	367	15	.	.	PROPN
iaajah-7571	367	16	felicia	felicia	PROPN
iaajah-7571	367	17	oyelade	oyelade	PROPN
iaajah-7571	367	18	,	,	PUNCT
iaajah-7571	367	19	the	the	DET
iaajah-7571	367	20	cooperative	cooperative	NOUN
iaajah-7571	367	21	embarked	embark	VERB
iaajah-7571	367	22	on	on	ADP
iaajah-7571	367	23	a	a	DET
iaajah-7571	367	24	gradual	gradual	ADJ
iaajah-7571	367	25	digital	digital	ADJ
iaajah-7571	367	26	transition	transition	NOUN
iaajah-7571	367	27	.	.	PUNCT
iaajah-7571	368	1	recognizing	recognize	VERB
iaajah-7571	368	2	the	the	DET
iaajah-7571	368	3	limitations	limitation	NOUN
iaajah-7571	368	4	of	of	ADP
iaajah-7571	368	5	the	the	DET
iaajah-7571	368	6	manual	manual	ADJ
iaajah-7571	368	7	system	system	NOUN
iaajah-7571	368	8	,	,	PUNCT
iaajah-7571	368	9	she	she	PRON
iaajah-7571	368	10	proposed	propose	VERB
iaajah-7571	368	11	the	the	DET
iaajah-7571	368	12	use	use	NOUN
iaajah-7571	368	13	of	of	ADP
iaajah-7571	368	14	mobile	mobile	ADJ
iaajah-7571	368	15	phones	phone	NOUN
iaajah-7571	368	16	and	and	CCONJ
iaajah-7571	368	17	group	group	NOUN
iaajah-7571	368	18	messaging	message	VERB
iaajah-7571	368	19	apps	app	NOUN
iaajah-7571	368	20	to	to	PART
iaajah-7571	368	21	improve	improve	VERB
iaajah-7571	368	22	communication	communication	NOUN
iaajah-7571	368	23	flow	flow	NOUN
iaajah-7571	368	24	and	and	CCONJ
iaajah-7571	368	25	transparency	transparency	NOUN
iaajah-7571	368	26	.	.	PUNCT
iaajah-7571	369	1	ict	ict	NOUN
iaajah-7571	369	2	tools	tool	NOUN
iaajah-7571	369	3	adopted	adopt	VERB
iaajah-7571	369	4	1	1	NUM
iaajah-7571	369	5	.	.	PUNCT
iaajah-7571	369	6	whatsapp	whatsapp	ADJ
iaajah-7571	369	7	group	group	NOUN
iaajah-7571	369	8	communication	communication	NOUN
iaajah-7571	369	9	:	:	PUNCT
iaajah-7571	369	10	the	the	DET
iaajah-7571	369	11	first	first	ADJ
iaajah-7571	369	12	major	major	ADJ
iaajah-7571	369	13	step	step	NOUN
iaajah-7571	369	14	was	be	AUX
iaajah-7571	369	15	creating	create	VERB
iaajah-7571	369	16	a	a	DET
iaajah-7571	369	17	whatsapp	whatsapp	NOUN
iaajah-7571	369	18	group	group	NOUN
iaajah-7571	369	19	for	for	ADP
iaajah-7571	369	20	all	all	DET
iaajah-7571	369	21	members	member	NOUN
iaajah-7571	369	22	who	who	PRON
iaajah-7571	369	23	owned	own	VERB
iaajah-7571	369	24	smartphones	smartphone	NOUN
iaajah-7571	369	25	.	.	PUNCT
iaajah-7571	370	1	this	this	PRON
iaajah-7571	370	2	became	become	VERB
iaajah-7571	370	3	the	the	DET
iaajah-7571	370	4	primary	primary	ADJ
iaajah-7571	370	5	channel	channel	NOUN
iaajah-7571	370	6	for	for	ADP
iaajah-7571	370	7	:	:	PUNCT
iaajah-7571	370	8	•	•	NUM
iaajah-7571	370	9	announcing	announce	VERB
iaajah-7571	370	10	meeting	meeting	NOUN
iaajah-7571	370	11	dates	date	NOUN
iaajah-7571	370	12	and	and	CCONJ
iaajah-7571	370	13	times	time	NOUN
iaajah-7571	370	14	•	•	NOUN
iaajah-7571	370	15	sharing	share	VERB
iaajah-7571	370	16	minutes	minute	NOUN
iaajah-7571	370	17	and	and	CCONJ
iaajah-7571	370	18	resolutions	resolution	NOUN
iaajah-7571	370	19	•	•	ADV
iaajah-7571	370	20	reminding	remind	VERB
iaajah-7571	370	21	members	member	NOUN
iaajah-7571	370	22	of	of	ADP
iaajah-7571	370	23	loan	loan	NOUN
iaajah-7571	370	24	repayment	repayment	NOUN
iaajah-7571	370	25	deadlines	deadline	NOUN
iaajah-7571	370	26	•	•	NOUN
iaajah-7571	370	27	circulating	circulate	VERB
iaajah-7571	370	28	photos	photo	NOUN
iaajah-7571	370	29	of	of	ADP
iaajah-7571	370	30	cooperative	cooperative	ADJ
iaajah-7571	370	31	projects	project	NOUN
iaajah-7571	370	32	(	(	PUNCT
iaajah-7571	370	33	e.g.	e.g.	ADV
iaajah-7571	370	34	,	,	PUNCT
iaajah-7571	370	35	cassava	cassava	NOUN
iaajah-7571	370	36	processing	processing	NOUN
iaajah-7571	370	37	shed	shed	NOUN
iaajah-7571	370	38	,	,	PUNCT
iaajah-7571	370	39	goat	goat	PROPN
iaajah-7571	370	40	farm	farm	PROPN
iaajah-7571	370	41	)	)	PUNCT
iaajah-7571	370	42	to	to	PART
iaajah-7571	370	43	ensure	ensure	VERB
iaajah-7571	370	44	inclusion	inclusion	NOUN
iaajah-7571	370	45	,	,	PUNCT
iaajah-7571	370	46	younger	young	ADJ
iaajah-7571	370	47	members	member	NOUN
iaajah-7571	370	48	helped	help	VERB
iaajah-7571	370	49	elderly	elderly	ADJ
iaajah-7571	370	50	members	member	NOUN
iaajah-7571	370	51	set	set	VERB
iaajah-7571	370	52	up	up	ADP
iaajah-7571	370	53	whatsapp	whatsapp	NOUN
iaajah-7571	370	54	or	or	CCONJ
iaajah-7571	370	55	shared	share	VERB
iaajah-7571	370	56	updates	update	NOUN
iaajah-7571	370	57	with	with	ADP
iaajah-7571	370	58	them	they	PRON
iaajah-7571	370	59	verbally	verbally	ADV
iaajah-7571	370	60	.	.	PUNCT
iaajah-7571	371	1	2	2	X
iaajah-7571	371	2	.	.	X
iaajah-7571	371	3	sms	sms	PROPN
iaajah-7571	371	4	for	for	ADP
iaajah-7571	371	5	non	non	ADJ
iaajah-7571	371	6	-	-	ADJ
iaajah-7571	371	7	smartphone	smartphone	ADJ
iaajah-7571	371	8	users	user	NOUN
iaajah-7571	371	9	:	:	PUNCT
iaajah-7571	371	10	for	for	ADP
iaajah-7571	371	11	the	the	DET
iaajah-7571	371	12	30	30	NUM
iaajah-7571	371	13	%	%	NOUN
iaajah-7571	371	14	of	of	ADP
iaajah-7571	371	15	members	member	NOUN
iaajah-7571	371	16	who	who	PRON
iaajah-7571	371	17	lacked	lack	VERB
iaajah-7571	371	18	smartphones	smartphone	NOUN
iaajah-7571	371	19	,	,	PUNCT
iaajah-7571	371	20	the	the	DET
iaajah-7571	371	21	cooperative	cooperative	NOUN
iaajah-7571	371	22	adopted	adopt	VERB
iaajah-7571	371	23	a	a	DET
iaajah-7571	371	24	bulk	bulk	ADJ
iaajah-7571	371	25	sms	sms	NOUN
iaajah-7571	371	26	platform	platform	NOUN
iaajah-7571	371	27	through	through	ADP
iaajah-7571	371	28	a	a	DET
iaajah-7571	371	29	local	local	ADJ
iaajah-7571	371	30	ict	ict	NOUN
iaajah-7571	371	31	vendor	vendor	NOUN
iaajah-7571	371	32	.	.	PUNCT
iaajah-7571	372	1	this	this	DET
iaajah-7571	372	2	service	service	NOUN
iaajah-7571	372	3	was	be	AUX
iaajah-7571	372	4	used	use	VERB
iaajah-7571	372	5	to	to	PART
iaajah-7571	372	6	send	send	VERB
iaajah-7571	372	7	short	short	ADJ
iaajah-7571	372	8	but	but	CCONJ
iaajah-7571	372	9	essential	essential	ADJ
iaajah-7571	372	10	updates	update	NOUN
iaajah-7571	372	11	such	such	ADJ
iaajah-7571	372	12	as	as	ADP
iaajah-7571	372	13	:	:	PUNCT
iaajah-7571	372	14	•	•	NUM
iaajah-7571	372	15	agm	agm	PROPN
iaajah-7571	372	16	reminders	reminder	NOUN
iaajah-7571	372	17	•	•	DET
iaajah-7571	372	18	financial	financial	ADJ
iaajah-7571	372	19	obligations	obligation	NOUN
iaajah-7571	372	20	•	•	ADP
iaajah-7571	372	21	new	new	ADJ
iaajah-7571	372	22	membership	membership	NOUN
iaajah-7571	372	23	approvals	approval	NOUN
iaajah-7571	372	24	igwebuike	igwebuike	NOUN
iaajah-7571	372	25	:	:	PUNCT
iaajah-7571	372	26	an	an	DET
iaajah-7571	372	27	african	african	ADJ
iaajah-7571	372	28	journal	journal	NOUN
iaajah-7571	372	29	of	of	ADP
iaajah-7571	372	30	arts	art	NOUN
iaajah-7571	372	31	and	and	CCONJ
iaajah-7571	372	32	humanities	humanity	NOUN
iaajah-7571	372	33	vol	vol	NOUN
iaajah-7571	372	34	.	.	PUNCT
iaajah-7571	373	1	11	11	NUM
iaajah-7571	373	2	.	.	PUNCT
iaajah-7571	374	1	no	no	INTJ
iaajah-7571	374	2	.	.	NOUN
iaajah-7571	374	3	7	7	NUM
iaajah-7571	374	4	,	,	PUNCT
iaajah-7571	374	5	(	(	PUNCT
iaajah-7571	374	6	2025	2025	NUM
iaajah-7571	374	7	)	)	PUNCT
iaajah-7571	374	8	issn	issn	PROPN
iaajah-7571	374	9	:	:	PUNCT
iaajah-7571	374	10	24889210	24889210	NUM
iaajah-7571	374	11	(	(	PUNCT
iaajah-7571	374	12	print	print	NOUN
iaajah-7571	374	13	)	)	PUNCT
iaajah-7571	374	14	2504	2504	NUM
iaajah-7571	374	15	-	-	SYM
iaajah-7571	374	16	9038	9038	NUM
iaajah-7571	374	17	(	(	PUNCT
iaajah-7571	374	18	online	online	NOUN
iaajah-7571	374	19	)	)	PUNCT
iaajah-7571	374	20	dept	dept	NOUN
iaajah-7571	374	21	.	.	PROPN
iaajah-7571	375	1	of	of	ADP
iaajah-7571	375	2	philosophy	philosophy	NOUN
iaajah-7571	375	3	and	and	CCONJ
iaajah-7571	375	4	religious	religious	ADJ
iaajah-7571	375	5	studies	study	NOUN
iaajah-7571	375	6	,	,	PUNCT
iaajah-7571	375	7	tansian	tansian	PROPN
iaajah-7571	375	8	university	university	PROPN
iaajah-7571	375	9	umunya	umunya	PROPN
iaajah-7571	375	10	indexed	indexed	PROPN
iaajah-7571	375	11	:	:	PUNCT
iaajah-7571	375	12	academic	academic	ADJ
iaajah-7571	375	13	journals	journal	NOUN
iaajah-7571	375	14	online	online	ADV
iaajah-7571	375	15	,	,	PUNCT
iaajah-7571	375	16	google	google	PROPN
iaajah-7571	375	17	scholar	scholar	NOUN
iaajah-7571	375	18	,	,	PUNCT
iaajah-7571	375	19	igwebuike	igwebuike	PROPN
iaajah-7571	375	20	research	research	NOUN
iaajah-7571	375	21	institute	institute	NOUN
iaajah-7571	375	22	78	78	NUM
iaajah-7571	375	23	3	3	NUM
iaajah-7571	375	24	.	.	PUNCT
iaajah-7571	376	1	use	use	NOUN
iaajah-7571	376	2	of	of	ADP
iaajah-7571	376	3	email	email	NOUN
iaajah-7571	376	4	for	for	ADP
iaajah-7571	376	5	executive	executive	ADJ
iaajah-7571	376	6	correspondence	correspondence	NOUN
iaajah-7571	376	7	:	:	PUNCT
iaajah-7571	376	8	executive	executive	ADJ
iaajah-7571	376	9	members	member	NOUN
iaajah-7571	376	10	including	include	VERB
iaajah-7571	376	11	the	the	DET
iaajah-7571	376	12	president	president	NOUN
iaajah-7571	376	13	,	,	PUNCT
iaajah-7571	376	14	treasurer	treasurer	NOUN
iaajah-7571	376	15	,	,	PUNCT
iaajah-7571	376	16	and	and	CCONJ
iaajah-7571	376	17	secretary	secretary	NOUN
iaajah-7571	376	18	began	begin	VERB
iaajah-7571	376	19	using	use	VERB
iaajah-7571	376	20	email	email	NOUN
iaajah-7571	376	21	to	to	PART
iaajah-7571	376	22	exchange	exchange	VERB
iaajah-7571	376	23	scanned	scan	VERB
iaajah-7571	376	24	documents	document	NOUN
iaajah-7571	376	25	,	,	PUNCT
iaajah-7571	376	26	send	send	VERB
iaajah-7571	376	27	reports	report	NOUN
iaajah-7571	376	28	to	to	ADP
iaajah-7571	376	29	the	the	DET
iaajah-7571	376	30	ogun	ogun	PROPN
iaajah-7571	376	31	state	state	PROPN
iaajah-7571	376	32	cooperative	cooperative	ADJ
iaajah-7571	376	33	department	department	NOUN
iaajah-7571	376	34	,	,	PUNCT
iaajah-7571	376	35	and	and	CCONJ
iaajah-7571	376	36	correspond	correspond	VERB
iaajah-7571	376	37	with	with	ADP
iaajah-7571	376	38	partner	partner	NOUN
iaajah-7571	376	39	organizations	organization	NOUN
iaajah-7571	376	40	.	.	PUNCT
iaajah-7571	377	1	this	this	PRON
iaajah-7571	377	2	introduced	introduce	VERB
iaajah-7571	377	3	a	a	DET
iaajah-7571	377	4	more	more	ADV
iaajah-7571	377	5	formal	formal	ADJ
iaajah-7571	377	6	and	and	CCONJ
iaajah-7571	377	7	traceable	traceable	ADJ
iaajah-7571	377	8	communication	communication	NOUN
iaajah-7571	377	9	line	line	NOUN
iaajah-7571	377	10	for	for	ADP
iaajah-7571	377	11	administrative	administrative	ADJ
iaajah-7571	377	12	matters	matter	NOUN
iaajah-7571	377	13	.	.	PUNCT
iaajah-7571	378	1	4	4	X
iaajah-7571	378	2	.	.	X
iaajah-7571	378	3	adoption	adoption	NOUN
iaajah-7571	378	4	of	of	ADP
iaajah-7571	378	5	a	a	DET
iaajah-7571	378	6	basic	basic	ADJ
iaajah-7571	378	7	digital	digital	ADJ
iaajah-7571	378	8	ledger	ledger	NOUN
iaajah-7571	378	9	app	app	NOUN
iaajah-7571	378	10	:	:	PUNCT
iaajah-7571	378	11	in	in	ADP
iaajah-7571	378	12	2022	2022	NUM
iaajah-7571	378	13	,	,	PUNCT
iaajah-7571	378	14	with	with	ADP
iaajah-7571	378	15	support	support	NOUN
iaajah-7571	378	16	from	from	ADP
iaajah-7571	378	17	a	a	DET
iaajah-7571	378	18	local	local	ADJ
iaajah-7571	378	19	ngo	ngo	PROPN
iaajah-7571	378	20	,	,	PUNCT
iaajah-7571	378	21	the	the	DET
iaajah-7571	378	22	cooperative	cooperative	NOUN
iaajah-7571	378	23	introduced	introduce	VERB
iaajah-7571	378	24	a	a	DET
iaajah-7571	378	25	simplified	simplified	ADJ
iaajah-7571	378	26	bookkeeping	bookkeepe	VERB
iaajah-7571	378	27	app	app	NOUN
iaajah-7571	378	28	called	call	VERB
iaajah-7571	378	29	coopcash	coopcash	PROPN
iaajah-7571	378	30	,	,	PUNCT
iaajah-7571	378	31	developed	develop	VERB
iaajah-7571	378	32	by	by	ADP
iaajah-7571	378	33	a	a	DET
iaajah-7571	378	34	nigerian	nigerian	ADJ
iaajah-7571	378	35	tech	tech	NOUN
iaajah-7571	378	36	startup	startup	NOUN
iaajah-7571	378	37	.	.	PUNCT
iaajah-7571	379	1	the	the	DET
iaajah-7571	379	2	app	app	PROPN
iaajah-7571	379	3	,	,	PUNCT
iaajah-7571	379	4	operated	operate	VERB
iaajah-7571	379	5	by	by	ADP
iaajah-7571	379	6	the	the	DET
iaajah-7571	379	7	financial	financial	ADJ
iaajah-7571	379	8	secretary	secretary	NOUN
iaajah-7571	379	9	,	,	PUNCT
iaajah-7571	379	10	helped	help	VERB
iaajah-7571	379	11	in	in	ADP
iaajah-7571	379	12	tracking	track	VERB
iaajah-7571	379	13	member	member	NOUN
iaajah-7571	379	14	contributions	contribution	NOUN
iaajah-7571	379	15	,	,	PUNCT
iaajah-7571	379	16	generating	generating	NOUN
iaajah-7571	379	17	receipts	receipt	NOUN
iaajah-7571	379	18	,	,	PUNCT
iaajah-7571	379	19	and	and	CCONJ
iaajah-7571	379	20	providing	provide	VERB
iaajah-7571	379	21	digital	digital	ADJ
iaajah-7571	379	22	loan	loan	NOUN
iaajah-7571	379	23	histories	history	NOUN
iaajah-7571	379	24	.	.	PUNCT
iaajah-7571	380	1	observed	observe	VERB
iaajah-7571	380	2	benefits	benefit	NOUN
iaajah-7571	380	3	•	•	ADP
iaajah-7571	380	4	faster	fast	ADJ
iaajah-7571	380	5	information	information	NOUN
iaajah-7571	380	6	flow	flow	NOUN
iaajah-7571	380	7	:	:	PUNCT
iaajah-7571	380	8	members	member	NOUN
iaajah-7571	380	9	now	now	ADV
iaajah-7571	380	10	receive	receive	VERB
iaajah-7571	380	11	information	information	NOUN
iaajah-7571	380	12	instantly	instantly	ADV
iaajah-7571	380	13	,	,	PUNCT
iaajah-7571	380	14	rather	rather	ADV
iaajah-7571	380	15	than	than	ADP
iaajah-7571	380	16	waiting	wait	VERB
iaajah-7571	380	17	for	for	ADP
iaajah-7571	380	18	monthly	monthly	ADJ
iaajah-7571	380	19	meetings	meeting	NOUN
iaajah-7571	380	20	or	or	CCONJ
iaajah-7571	380	21	printed	print	VERB
iaajah-7571	380	22	notices	notice	NOUN
iaajah-7571	380	23	.	.	PUNCT
iaajah-7571	381	1	•	•	NUM
iaajah-7571	381	2	improved	improved	ADJ
iaajah-7571	381	3	participation	participation	NOUN
iaajah-7571	381	4	:	:	PUNCT
iaajah-7571	381	5	meeting	meet	VERB
iaajah-7571	381	6	attendance	attendance	NOUN
iaajah-7571	381	7	rose	rise	VERB
iaajah-7571	381	8	from	from	ADP
iaajah-7571	381	9	60	60	NUM
iaajah-7571	381	10	%	%	NOUN
iaajah-7571	381	11	to	to	PART
iaajah-7571	381	12	85	85	NUM
iaajah-7571	381	13	%	%	NOUN
iaajah-7571	381	14	,	,	PUNCT
iaajah-7571	381	15	with	with	ADP
iaajah-7571	381	16	more	more	ADJ
iaajah-7571	381	17	members	member	NOUN
iaajah-7571	381	18	actively	actively	ADV
iaajah-7571	381	19	contributing	contribute	VERB
iaajah-7571	381	20	to	to	ADP
iaajah-7571	381	21	discussions	discussion	NOUN
iaajah-7571	381	22	,	,	PUNCT
iaajah-7571	381	23	both	both	CCONJ
iaajah-7571	381	24	online	online	ADJ
iaajah-7571	381	25	and	and	CCONJ
iaajah-7571	381	26	in	in	ADP
iaajah-7571	381	27	-	-	PUNCT
iaajah-7571	381	28	person	person	NOUN
iaajah-7571	381	29	.	.	PUNCT
iaajah-7571	382	1	•	•	NUM
iaajah-7571	382	2	greater	great	ADJ
iaajah-7571	382	3	transparency	transparency	NOUN
iaajah-7571	382	4	:	:	PUNCT
iaajah-7571	382	5	members	member	NOUN
iaajah-7571	382	6	can	can	AUX
iaajah-7571	382	7	now	now	ADV
iaajah-7571	382	8	view	view	VERB
iaajah-7571	382	9	financial	financial	ADJ
iaajah-7571	382	10	updates	update	NOUN
iaajah-7571	382	11	and	and	CCONJ
iaajah-7571	382	12	ask	ask	VERB
iaajah-7571	382	13	questions	question	NOUN
iaajah-7571	382	14	via	via	ADP
iaajah-7571	382	15	whatsapp	whatsapp	NOUN
iaajah-7571	382	16	,	,	PUNCT
iaajah-7571	382	17	reducing	reduce	VERB
iaajah-7571	382	18	suspicion	suspicion	NOUN
iaajah-7571	382	19	and	and	CCONJ
iaajah-7571	382	20	gossip	gossip	NOUN
iaajah-7571	382	21	.	.	PUNCT
iaajah-7571	383	1	•	•	NUM
iaajah-7571	383	2	reduced	reduce	VERB
iaajah-7571	383	3	operational	operational	ADJ
iaajah-7571	383	4	costs	cost	NOUN
iaajah-7571	383	5	:	:	PUNCT
iaajah-7571	383	6	the	the	DET
iaajah-7571	383	7	need	need	NOUN
iaajah-7571	383	8	for	for	ADP
iaajah-7571	383	9	printed	print	VERB
iaajah-7571	383	10	materials	material	NOUN
iaajah-7571	383	11	and	and	CCONJ
iaajah-7571	383	12	frequent	frequent	ADJ
iaajah-7571	383	13	travel	travel	NOUN
iaajah-7571	383	14	for	for	ADP
iaajah-7571	383	15	minor	minor	ADJ
iaajah-7571	383	16	updates	update	NOUN
iaajah-7571	383	17	decreased	decrease	VERB
iaajah-7571	383	18	significantly	significantly	ADV
iaajah-7571	383	19	.	.	PUNCT
iaajah-7571	384	1	•	•	NUM
iaajah-7571	384	2	crisis	crisis	NOUN
iaajah-7571	384	3	communication	communication	NOUN
iaajah-7571	384	4	:	:	PUNCT
iaajah-7571	384	5	during	during	ADP
iaajah-7571	384	6	the	the	DET
iaajah-7571	384	7	covid-19	covid-19	PROPN
iaajah-7571	384	8	lockdown	lockdown	NOUN
iaajah-7571	384	9	,	,	PUNCT
iaajah-7571	384	10	the	the	DET
iaajah-7571	384	11	whatsapp	whatsapp	NOUN
iaajah-7571	384	12	group	group	NOUN
iaajah-7571	384	13	allowed	allow	VERB
iaajah-7571	384	14	leaders	leader	NOUN
iaajah-7571	384	15	to	to	PART
iaajah-7571	384	16	coordinate	coordinate	VERB
iaajah-7571	384	17	palliative	palliative	ADJ
iaajah-7571	384	18	distribution	distribution	NOUN
iaajah-7571	384	19	and	and	CCONJ
iaajah-7571	384	20	provide	provide	VERB
iaajah-7571	384	21	safety	safety	NOUN
iaajah-7571	384	22	information	information	NOUN
iaajah-7571	384	23	,	,	PUNCT
iaajah-7571	384	24	ensuring	ensure	VERB
iaajah-7571	384	25	no	no	DET
iaajah-7571	384	26	member	member	NOUN
iaajah-7571	384	27	was	be	AUX
iaajah-7571	384	28	left	leave	VERB
iaajah-7571	384	29	out	out	ADP
iaajah-7571	384	30	.	.	PUNCT
iaajah-7571	385	1	challenges	challenge	NOUN
iaajah-7571	385	2	encountered	encounter	VERB
iaajah-7571	385	3	•	•	NUM
iaajah-7571	385	4	digital	digital	ADJ
iaajah-7571	385	5	literacy	literacy	NOUN
iaajah-7571	385	6	gap	gap	NOUN
iaajah-7571	385	7	:	:	PUNCT
iaajah-7571	385	8	some	some	DET
iaajah-7571	385	9	elderly	elderly	ADJ
iaajah-7571	385	10	members	member	NOUN
iaajah-7571	385	11	struggled	struggle	VERB
iaajah-7571	385	12	with	with	ADP
iaajah-7571	385	13	smartphones	smartphone	NOUN
iaajah-7571	385	14	and	and	CCONJ
iaajah-7571	385	15	relied	rely	VERB
iaajah-7571	385	16	on	on	ADP
iaajah-7571	385	17	others	other	NOUN
iaajah-7571	385	18	for	for	ADP
iaajah-7571	385	19	updates	update	NOUN
iaajah-7571	385	20	,	,	PUNCT
iaajah-7571	385	21	creating	create	VERB
iaajah-7571	385	22	occasional	occasional	ADJ
iaajah-7571	385	23	delays	delay	NOUN
iaajah-7571	385	24	and	and	CCONJ
iaajah-7571	385	25	dependence	dependence	NOUN
iaajah-7571	385	26	.	.	PUNCT
iaajah-7571	386	1	•	•	NUM
iaajah-7571	386	2	data	datum	NOUN
iaajah-7571	386	3	and	and	CCONJ
iaajah-7571	386	4	electricity	electricity	NOUN
iaajah-7571	386	5	costs	cost	NOUN
iaajah-7571	386	6	:	:	PUNCT
iaajah-7571	386	7	high	high	ADJ
iaajah-7571	386	8	data	data	NOUN
iaajah-7571	386	9	costs	cost	NOUN
iaajah-7571	386	10	and	and	CCONJ
iaajah-7571	386	11	irregular	irregular	ADJ
iaajah-7571	386	12	power	power	NOUN
iaajah-7571	386	13	supply	supply	NOUN
iaajah-7571	386	14	limited	limit	VERB
iaajah-7571	386	15	how	how	SCONJ
iaajah-7571	386	16	often	often	ADV
iaajah-7571	386	17	members	member	NOUN
iaajah-7571	386	18	engaged	engage	VERB
iaajah-7571	386	19	online	online	ADV
iaajah-7571	386	20	.	.	PUNCT
iaajah-7571	387	1	•	•	NOUN
iaajah-7571	387	2	network	network	NOUN
iaajah-7571	387	3	downtime	downtime	NOUN
iaajah-7571	387	4	:	:	PUNCT
iaajah-7571	387	5	mobile	mobile	ADJ
iaajah-7571	387	6	network	network	NOUN
iaajah-7571	387	7	disruptions	disruption	NOUN
iaajah-7571	387	8	affected	affect	VERB
iaajah-7571	387	9	real	real	ADJ
iaajah-7571	387	10	-	-	PUNCT
iaajah-7571	387	11	time	time	NOUN
iaajah-7571	387	12	updates	update	NOUN
iaajah-7571	387	13	,	,	PUNCT
iaajah-7571	387	14	especially	especially	ADV
iaajah-7571	387	15	during	during	ADP
iaajah-7571	387	16	storms	storm	NOUN
iaajah-7571	387	17	or	or	CCONJ
iaajah-7571	387	18	regional	regional	ADJ
iaajah-7571	387	19	outages	outage	NOUN
iaajah-7571	387	20	.	.	PUNCT
iaajah-7571	388	1	•	•	NUM
iaajah-7571	388	2	app	app	PROPN
iaajah-7571	388	3	maintenance	maintenance	NOUN
iaajah-7571	388	4	:	:	PUNCT
iaajah-7571	388	5	the	the	DET
iaajah-7571	388	6	coop	coop	NOUN
iaajah-7571	388	7	cash	cash	NOUN
iaajah-7571	388	8	app	app	NOUN
iaajah-7571	388	9	occasionally	occasionally	ADV
iaajah-7571	388	10	faced	face	VERB
iaajah-7571	388	11	bugs	bug	NOUN
iaajah-7571	388	12	,	,	PUNCT
iaajah-7571	388	13	and	and	CCONJ
iaajah-7571	388	14	the	the	DET
iaajah-7571	388	15	cooperative	cooperative	NOUN
iaajah-7571	388	16	had	have	VERB
iaajah-7571	388	17	to	to	PART
iaajah-7571	388	18	hire	hire	VERB
iaajah-7571	388	19	an	an	DET
iaajah-7571	388	20	external	external	ADJ
iaajah-7571	388	21	technician	technician	NOUN
iaajah-7571	388	22	for	for	ADP
iaajah-7571	388	23	troubleshooting	troubleshooting	NOUN
iaajah-7571	388	24	.	.	PUNCT
iaajah-7571	389	1	mitigation	mitigation	NOUN
iaajah-7571	389	2	strategies	strategy	NOUN
iaajah-7571	389	3	igwebuike	igwebuike	NOUN
iaajah-7571	389	4	:	:	PUNCT
iaajah-7571	389	5	an	an	DET
iaajah-7571	389	6	african	african	ADJ
iaajah-7571	389	7	journal	journal	NOUN
iaajah-7571	389	8	of	of	ADP
iaajah-7571	389	9	arts	art	NOUN
iaajah-7571	389	10	and	and	CCONJ
iaajah-7571	389	11	humanities	humanity	NOUN
iaajah-7571	389	12	vol	vol	NOUN
iaajah-7571	389	13	.	.	PUNCT
iaajah-7571	390	1	11	11	NUM
iaajah-7571	390	2	.	.	PUNCT
iaajah-7571	391	1	no	no	INTJ
iaajah-7571	391	2	.	.	NOUN
iaajah-7571	391	3	7	7	NUM
iaajah-7571	391	4	,	,	PUNCT
iaajah-7571	391	5	(	(	PUNCT
iaajah-7571	391	6	2025	2025	NUM
iaajah-7571	391	7	)	)	PUNCT
iaajah-7571	391	8	issn	issn	PROPN
iaajah-7571	391	9	:	:	PUNCT
iaajah-7571	391	10	24889210	24889210	NUM
iaajah-7571	391	11	(	(	PUNCT
iaajah-7571	391	12	print	print	NOUN
iaajah-7571	391	13	)	)	PUNCT
iaajah-7571	391	14	2504	2504	NUM
iaajah-7571	391	15	-	-	SYM
iaajah-7571	391	16	9038	9038	NUM
iaajah-7571	391	17	(	(	PUNCT
iaajah-7571	391	18	online	online	NOUN
iaajah-7571	391	19	)	)	PUNCT
iaajah-7571	391	20	dept	dept	NOUN
iaajah-7571	391	21	.	.	PROPN
iaajah-7571	392	1	of	of	ADP
iaajah-7571	392	2	philosophy	philosophy	NOUN
iaajah-7571	392	3	and	and	CCONJ
iaajah-7571	392	4	religious	religious	ADJ
iaajah-7571	392	5	studies	study	NOUN
iaajah-7571	392	6	,	,	PUNCT
iaajah-7571	392	7	tansian	tansian	PROPN
iaajah-7571	392	8	university	university	PROPN
iaajah-7571	392	9	umunya	umunya	PROPN
iaajah-7571	392	10	indexed	indexed	PROPN
iaajah-7571	392	11	:	:	PUNCT
iaajah-7571	392	12	academic	academic	ADJ
iaajah-7571	392	13	journals	journal	NOUN
iaajah-7571	392	14	online	online	ADV
iaajah-7571	392	15	,	,	PUNCT
iaajah-7571	392	16	google	google	PROPN
iaajah-7571	392	17	scholar	scholar	NOUN
iaajah-7571	392	18	,	,	PUNCT
iaajah-7571	392	19	igwebuike	igwebuike	PROPN
iaajah-7571	392	20	research	research	NOUN
iaajah-7571	392	21	institute	institute	NOUN
iaajah-7571	392	22	79	79	NUM
iaajah-7571	392	23	•	•	NOUN
iaajah-7571	392	24	monthly	monthly	ADJ
iaajah-7571	392	25	ict	ict	NOUN
iaajah-7571	392	26	workshops	workshop	NOUN
iaajah-7571	392	27	were	be	AUX
iaajah-7571	392	28	introduced	introduce	VERB
iaajah-7571	392	29	to	to	PART
iaajah-7571	392	30	help	help	VERB
iaajah-7571	392	31	less	less	ADJ
iaajah-7571	392	32	tech	tech	NOUN
iaajah-7571	392	33	-	-	PUNCT
iaajah-7571	392	34	savvy	savvy	ADJ
iaajah-7571	392	35	members	member	NOUN
iaajah-7571	392	36	.	.	PUNCT
iaajah-7571	393	1	•	•	NUM
iaajah-7571	393	2	the	the	DET
iaajah-7571	393	3	cooperative	cooperative	NOUN
iaajah-7571	393	4	negotiated	negotiate	VERB
iaajah-7571	393	5	a	a	DET
iaajah-7571	393	6	discount	discount	NOUN
iaajah-7571	393	7	with	with	ADP
iaajah-7571	393	8	a	a	DET
iaajah-7571	393	9	local	local	ADJ
iaajah-7571	393	10	mobile	mobile	ADJ
iaajah-7571	393	11	provider	provider	NOUN
iaajah-7571	393	12	for	for	ADP
iaajah-7571	393	13	bulk	bulk	ADJ
iaajah-7571	393	14	data	datum	NOUN
iaajah-7571	393	15	bundles	bundle	NOUN
iaajah-7571	393	16	.	.	PUNCT
iaajah-7571	394	1	•	•	NUM
iaajah-7571	394	2	printed	print	VERB
iaajah-7571	394	3	summaries	summary	NOUN
iaajah-7571	394	4	of	of	ADP
iaajah-7571	394	5	digital	digital	ADJ
iaajah-7571	394	6	discussions	discussion	NOUN
iaajah-7571	394	7	were	be	AUX
iaajah-7571	394	8	occasionally	occasionally	ADV
iaajah-7571	394	9	circulated	circulate	VERB
iaajah-7571	394	10	for	for	ADP
iaajah-7571	394	11	transparency	transparency	NOUN
iaajah-7571	394	12	.	.	PUNCT
iaajah-7571	395	1	•	•	NUM
iaajah-7571	395	2	the	the	DET
iaajah-7571	395	3	cooperative	cooperative	ADJ
iaajah-7571	395	4	earmarked	earmark	VERB
iaajah-7571	395	5	₦	₦	ADV
iaajah-7571	395	6	5,000	5,000	NUM
iaajah-7571	395	7	monthly	monthly	ADV
iaajah-7571	395	8	from	from	ADP
iaajah-7571	395	9	administrative	administrative	ADJ
iaajah-7571	395	10	dues	due	NOUN
iaajah-7571	395	11	to	to	PART
iaajah-7571	395	12	fund	fund	VERB
iaajah-7571	395	13	ict	ict	NOUN
iaajah-7571	395	14	operations	operation	NOUN
iaajah-7571	395	15	and	and	CCONJ
iaajah-7571	395	16	software	software	NOUN
iaajah-7571	395	17	support	support	NOUN
iaajah-7571	395	18	.	.	PUNCT
iaajah-7571	396	1	lessons	lesson	NOUN
iaajah-7571	396	2	learned	learn	VERB
iaajah-7571	396	3	the	the	DET
iaajah-7571	396	4	egbe	egbe	NOUN
iaajah-7571	396	5	progress	progress	NOUN
iaajah-7571	396	6	cooperative	cooperative	ADJ
iaajah-7571	396	7	case	case	NOUN
iaajah-7571	396	8	illustrates	illustrate	VERB
iaajah-7571	396	9	that	that	SCONJ
iaajah-7571	396	10	:	:	PUNCT
iaajah-7571	396	11	•	•	NUM
iaajah-7571	396	12	digital	digital	ADJ
iaajah-7571	396	13	tools	tool	NOUN
iaajah-7571	396	14	can	can	AUX
iaajah-7571	396	15	be	be	AUX
iaajah-7571	396	16	adopted	adopt	VERB
iaajah-7571	396	17	even	even	ADV
iaajah-7571	396	18	in	in	ADP
iaajah-7571	396	19	rural	rural	ADJ
iaajah-7571	396	20	,	,	PUNCT
iaajah-7571	396	21	low	low	ADJ
iaajah-7571	396	22	-	-	PUNCT
iaajah-7571	396	23	income	income	NOUN
iaajah-7571	396	24	cooperatives	cooperative	NOUN
iaajah-7571	396	25	with	with	ADP
iaajah-7571	396	26	the	the	DET
iaajah-7571	396	27	right	right	ADJ
iaajah-7571	396	28	leadership	leadership	NOUN
iaajah-7571	396	29	and	and	CCONJ
iaajah-7571	396	30	member	member	NOUN
iaajah-7571	396	31	orientation	orientation	NOUN
iaajah-7571	396	32	.	.	PUNCT
iaajah-7571	397	1	•	•	NUM
iaajah-7571	397	2	whatsapp	whatsapp	NOUN
iaajah-7571	397	3	and	and	CCONJ
iaajah-7571	397	4	sms	sms	PROPN
iaajah-7571	397	5	are	be	AUX
iaajah-7571	397	6	highly	highly	ADV
iaajah-7571	397	7	effective	effective	ADJ
iaajah-7571	397	8	low	low	ADJ
iaajah-7571	397	9	-	-	PUNCT
iaajah-7571	397	10	cost	cost	NOUN
iaajah-7571	397	11	tools	tool	NOUN
iaajah-7571	397	12	for	for	ADP
iaajah-7571	397	13	grassroots	grassroots	ADJ
iaajah-7571	397	14	internal	internal	ADJ
iaajah-7571	397	15	communication	communication	NOUN
iaajah-7571	397	16	.	.	PUNCT
iaajah-7571	398	1	•	•	NUM
iaajah-7571	398	2	sustainable	sustainable	ADJ
iaajah-7571	398	3	ict	ict	NOUN
iaajah-7571	398	4	adoption	adoption	NOUN
iaajah-7571	398	5	requires	require	VERB
iaajah-7571	398	6	ongoing	ongoing	ADJ
iaajah-7571	398	7	training	training	NOUN
iaajah-7571	398	8	,	,	PUNCT
iaajah-7571	398	9	a	a	DET
iaajah-7571	398	10	budget	budget	NOUN
iaajah-7571	398	11	line	line	NOUN
iaajah-7571	398	12	for	for	ADP
iaajah-7571	398	13	tech	tech	NOUN
iaajah-7571	398	14	maintenance	maintenance	NOUN
iaajah-7571	398	15	,	,	PUNCT
iaajah-7571	398	16	and	and	CCONJ
iaajah-7571	398	17	inclusive	inclusive	ADJ
iaajah-7571	398	18	strategies	strategy	NOUN
iaajah-7571	398	19	that	that	PRON
iaajah-7571	398	20	consider	consider	VERB
iaajah-7571	398	21	both	both	CCONJ
iaajah-7571	398	22	literate	literate	ADJ
iaajah-7571	398	23	and	and	CCONJ
iaajah-7571	398	24	semi	semi	ADJ
iaajah-7571	398	25	-	-	ADJ
iaajah-7571	398	26	literate	literate	ADJ
iaajah-7571	398	27	members	member	NOUN
iaajah-7571	398	28	.	.	PUNCT
iaajah-7571	399	1	case	case	NOUN
iaajah-7571	399	2	illustration	illustration	NOUN
iaajah-7571	399	3	2	2	NUM
iaajah-7571	399	4	:	:	PUNCT
iaajah-7571	399	5	unity	unity	NOUN
iaajah-7571	399	6	women	woman	NOUN
iaajah-7571	399	7	multipurpose	multipurpose	PROPN
iaajah-7571	399	8	cooperative	cooperative	NOUN
iaajah-7571	399	9	,	,	PUNCT
iaajah-7571	399	10	enugu	enugu	PROPN
iaajah-7571	399	11	state	state	NOUN
iaajah-7571	399	12	overview	overview	NOUN
iaajah-7571	399	13	:	:	PUNCT
iaajah-7571	399	14	unity	unity	NOUN
iaajah-7571	399	15	women	woman	NOUN
iaajah-7571	399	16	multipurpose	multipurpose	VERB
iaajah-7571	399	17	cooperative	cooperative	ADJ
iaajah-7571	399	18	society	society	NOUN
iaajah-7571	399	19	(	(	PUNCT
iaajah-7571	399	20	uwmcs	uwmcs	ADJ
iaajah-7571	399	21	)	)	PUNCT
iaajah-7571	399	22	,	,	PUNCT
iaajah-7571	399	23	based	base	VERB
iaajah-7571	399	24	in	in	ADP
iaajah-7571	399	25	nsukka	nsukka	PROPN
iaajah-7571	399	26	,	,	PUNCT
iaajah-7571	399	27	enugu	enugu	PROPN
iaajah-7571	399	28	state	state	PROPN
iaajah-7571	399	29	,	,	PUNCT
iaajah-7571	399	30	is	be	AUX
iaajah-7571	399	31	a	a	DET
iaajah-7571	399	32	women	woman	NOUN
iaajah-7571	399	33	-	-	PUNCT
iaajah-7571	399	34	led	lead	VERB
iaajah-7571	399	35	rural	rural	ADJ
iaajah-7571	399	36	cooperative	cooperative	NOUN
iaajah-7571	399	37	focused	focus	VERB
iaajah-7571	399	38	on	on	ADP
iaajah-7571	399	39	agro	agro	NOUN
iaajah-7571	399	40	-	-	PUNCT
iaajah-7571	399	41	processing	processing	NOUN
iaajah-7571	399	42	,	,	PUNCT
iaajah-7571	399	43	microcredit	microcredit	NOUN
iaajah-7571	399	44	,	,	PUNCT
iaajah-7571	399	45	and	and	CCONJ
iaajah-7571	399	46	household	household	NOUN
iaajah-7571	399	47	savings	saving	NOUN
iaajah-7571	399	48	.	.	PUNCT
iaajah-7571	400	1	it	it	PRON
iaajah-7571	400	2	was	be	AUX
iaajah-7571	400	3	founded	found	VERB
iaajah-7571	400	4	in	in	ADP
iaajah-7571	400	5	2012	2012	NUM
iaajah-7571	400	6	with	with	ADP
iaajah-7571	400	7	37	37	NUM
iaajah-7571	400	8	women	woman	NOUN
iaajah-7571	400	9	and	and	CCONJ
iaajah-7571	400	10	has	have	AUX
iaajah-7571	400	11	grown	grow	VERB
iaajah-7571	400	12	to	to	ADP
iaajah-7571	400	13	95	95	NUM
iaajah-7571	400	14	active	active	ADJ
iaajah-7571	400	15	members	member	NOUN
iaajah-7571	400	16	by	by	ADP
iaajah-7571	400	17	2023	2023	NUM
iaajah-7571	400	18	.	.	PUNCT
iaajah-7571	401	1	the	the	DET
iaajah-7571	401	2	cooperative	cooperative	NOUN
iaajah-7571	401	3	operates	operate	VERB
iaajah-7571	401	4	primarily	primarily	ADV
iaajah-7571	401	5	among	among	ADP
iaajah-7571	401	6	female	female	ADJ
iaajah-7571	401	7	traders	trader	NOUN
iaajah-7571	401	8	,	,	PUNCT
iaajah-7571	401	9	farmers	farmer	NOUN
iaajah-7571	401	10	,	,	PUNCT
iaajah-7571	401	11	and	and	CCONJ
iaajah-7571	401	12	widows	widow	NOUN
iaajah-7571	401	13	.	.	PUNCT
iaajah-7571	402	1	ict	ict	NOUN
iaajah-7571	402	2	tools	tool	NOUN
iaajah-7571	402	3	and	and	CCONJ
iaajah-7571	402	4	innovations	innovation	NOUN
iaajah-7571	402	5	:	:	PUNCT
iaajah-7571	402	6	•	•	NUM
iaajah-7571	402	7	mobile	mobile	ADJ
iaajah-7571	402	8	money	money	NOUN
iaajah-7571	402	9	integration	integration	NOUN
iaajah-7571	402	10	:	:	PUNCT
iaajah-7571	402	11	in	in	ADP
iaajah-7571	402	12	2019	2019	NUM
iaajah-7571	402	13	,	,	PUNCT
iaajah-7571	402	14	uwmcs	uwmcs	ADJ
iaajah-7571	402	15	partnered	partner	VERB
iaajah-7571	402	16	with	with	ADP
iaajah-7571	402	17	a	a	DET
iaajah-7571	402	18	local	local	ADJ
iaajah-7571	402	19	fintech	fintech	NOUN
iaajah-7571	402	20	company	company	NOUN
iaajah-7571	402	21	to	to	PART
iaajah-7571	402	22	introduce	introduce	VERB
iaajah-7571	402	23	mobile	mobile	ADJ
iaajah-7571	402	24	money	money	NOUN
iaajah-7571	402	25	platforms	platform	NOUN
iaajah-7571	402	26	(	(	PUNCT
iaajah-7571	402	27	e.g.	e.g.	ADV
iaajah-7571	402	28	,	,	PUNCT
iaajah-7571	402	29	paga	paga	NOUN
iaajah-7571	402	30	and	and	CCONJ
iaajah-7571	402	31	opay	opay	NOUN
iaajah-7571	402	32	)	)	PUNCT
iaajah-7571	402	33	for	for	ADP
iaajah-7571	402	34	internal	internal	ADJ
iaajah-7571	402	35	savings	saving	NOUN
iaajah-7571	402	36	and	and	CCONJ
iaajah-7571	402	37	loan	loan	NOUN
iaajah-7571	402	38	repayments	repayment	NOUN
iaajah-7571	402	39	.	.	PUNCT
iaajah-7571	403	1	members	member	NOUN
iaajah-7571	403	2	were	be	AUX
iaajah-7571	403	3	trained	train	VERB
iaajah-7571	403	4	to	to	PART
iaajah-7571	403	5	send	send	VERB
iaajah-7571	403	6	weekly	weekly	ADJ
iaajah-7571	403	7	savings	saving	NOUN
iaajah-7571	403	8	via	via	ADP
iaajah-7571	403	9	ussd	ussd	ADJ
iaajah-7571	403	10	codes	code	NOUN
iaajah-7571	403	11	using	use	VERB
iaajah-7571	403	12	basic	basic	ADJ
iaajah-7571	403	13	phones	phone	NOUN
iaajah-7571	403	14	.	.	PUNCT
iaajah-7571	404	1	•	•	NUM
iaajah-7571	404	2	interactive	interactive	ADJ
iaajah-7571	404	3	voice	voice	NOUN
iaajah-7571	404	4	messaging	messaging	NOUN
iaajah-7571	404	5	(	(	PUNCT
iaajah-7571	404	6	ivm	ivm	PROPN
iaajah-7571	404	7	):	):	PUNCT
iaajah-7571	404	8	recognizing	recognize	VERB
iaajah-7571	404	9	that	that	SCONJ
iaajah-7571	404	10	many	many	ADJ
iaajah-7571	404	11	members	member	NOUN
iaajah-7571	404	12	were	be	AUX
iaajah-7571	404	13	semi	semi	ADJ
iaajah-7571	404	14	-	-	ADJ
iaajah-7571	404	15	literate	literate	ADJ
iaajah-7571	404	16	,	,	PUNCT
iaajah-7571	404	17	the	the	DET
iaajah-7571	404	18	cooperative	cooperative	NOUN
iaajah-7571	404	19	adopted	adopt	VERB
iaajah-7571	404	20	an	an	DET
iaajah-7571	404	21	ivm	ivm	PROPN
iaajah-7571	404	22	service	service	NOUN
iaajah-7571	404	23	that	that	PRON
iaajah-7571	404	24	allows	allow	VERB
iaajah-7571	404	25	leadership	leadership	NOUN
iaajah-7571	404	26	to	to	PART
iaajah-7571	404	27	send	send	VERB
iaajah-7571	404	28	pre	pre	ADJ
iaajah-7571	404	29	-	-	ADJ
iaajah-7571	404	30	recorded	recorded	ADJ
iaajah-7571	404	31	voice	voice	NOUN
iaajah-7571	404	32	messages	message	NOUN
iaajah-7571	404	33	in	in	ADP
iaajah-7571	404	34	igbo	igbo	PROPN
iaajah-7571	404	35	.	.	PUNCT
iaajah-7571	405	1	these	these	DET
iaajah-7571	405	2	messages	message	NOUN
iaajah-7571	405	3	contain	contain	VERB
iaajah-7571	405	4	reminders	reminder	NOUN
iaajah-7571	405	5	about	about	ADP
iaajah-7571	405	6	meetings	meeting	NOUN
iaajah-7571	405	7	,	,	PUNCT
iaajah-7571	405	8	loan	loan	NOUN
iaajah-7571	405	9	deadlines	deadline	NOUN
iaajah-7571	405	10	,	,	PUNCT
iaajah-7571	405	11	and	and	CCONJ
iaajah-7571	405	12	empowerment	empowerment	NOUN
iaajah-7571	405	13	workshops	workshop	NOUN
iaajah-7571	405	14	.	.	PUNCT
iaajah-7571	406	1	•	•	NUM
iaajah-7571	406	2	whatsapp	whatsapp	NOUN
iaajah-7571	406	3	audio	audio	NOUN
iaajah-7571	406	4	sharing	sharing	NOUN
iaajah-7571	406	5	:	:	PUNCT
iaajah-7571	406	6	for	for	ADP
iaajah-7571	406	7	members	member	NOUN
iaajah-7571	406	8	with	with	ADP
iaajah-7571	406	9	smartphones	smartphone	NOUN
iaajah-7571	406	10	,	,	PUNCT
iaajah-7571	406	11	short	short	ADJ
iaajah-7571	406	12	audio	audio	ADJ
iaajah-7571	406	13	recordings	recording	NOUN
iaajah-7571	406	14	of	of	ADP
iaajah-7571	406	15	meeting	meet	VERB
iaajah-7571	406	16	summaries	summary	NOUN
iaajah-7571	406	17	and	and	CCONJ
iaajah-7571	406	18	financial	financial	ADJ
iaajah-7571	406	19	updates	update	NOUN
iaajah-7571	406	20	were	be	AUX
iaajah-7571	406	21	sent	send	VERB
iaajah-7571	406	22	via	via	ADP
iaajah-7571	406	23	whatsapp	whatsapp	NOUN
iaajah-7571	406	24	to	to	PART
iaajah-7571	406	25	improve	improve	VERB
iaajah-7571	406	26	comprehension	comprehension	NOUN
iaajah-7571	406	27	.	.	PUNCT
iaajah-7571	407	1	impacts	impact	NOUN
iaajah-7571	407	2	:	:	PUNCT
iaajah-7571	407	3	igwebuike	igwebuike	NOUN
iaajah-7571	407	4	:	:	PUNCT
iaajah-7571	407	5	an	an	DET
iaajah-7571	407	6	african	african	ADJ
iaajah-7571	407	7	journal	journal	NOUN
iaajah-7571	407	8	of	of	ADP
iaajah-7571	407	9	arts	art	NOUN
iaajah-7571	407	10	and	and	CCONJ
iaajah-7571	407	11	humanities	humanity	NOUN
iaajah-7571	407	12	vol	vol	NOUN
iaajah-7571	407	13	.	.	PUNCT
iaajah-7571	408	1	11	11	NUM
iaajah-7571	408	2	.	.	PUNCT
iaajah-7571	409	1	no	no	INTJ
iaajah-7571	409	2	.	.	NOUN
iaajah-7571	409	3	7	7	NUM
iaajah-7571	409	4	,	,	PUNCT
iaajah-7571	409	5	(	(	PUNCT
iaajah-7571	409	6	2025	2025	NUM
iaajah-7571	409	7	)	)	PUNCT
iaajah-7571	409	8	issn	issn	PROPN
iaajah-7571	409	9	:	:	PUNCT
iaajah-7571	409	10	24889210	24889210	NUM
iaajah-7571	409	11	(	(	PUNCT
iaajah-7571	409	12	print	print	NOUN
iaajah-7571	409	13	)	)	PUNCT
iaajah-7571	409	14	2504	2504	NUM
iaajah-7571	409	15	-	-	SYM
iaajah-7571	409	16	9038	9038	NUM
iaajah-7571	409	17	(	(	PUNCT
iaajah-7571	409	18	online	online	NOUN
iaajah-7571	409	19	)	)	PUNCT
iaajah-7571	409	20	dept	dept	NOUN
iaajah-7571	409	21	.	.	PROPN
iaajah-7571	410	1	of	of	ADP
iaajah-7571	410	2	philosophy	philosophy	NOUN
iaajah-7571	410	3	and	and	CCONJ
iaajah-7571	410	4	religious	religious	ADJ
iaajah-7571	410	5	studies	study	NOUN
iaajah-7571	410	6	,	,	PUNCT
iaajah-7571	410	7	tansian	tansian	PROPN
iaajah-7571	410	8	university	university	PROPN
iaajah-7571	410	9	umunya	umunya	PROPN
iaajah-7571	410	10	indexed	indexed	PROPN
iaajah-7571	410	11	:	:	PUNCT
iaajah-7571	410	12	academic	academic	ADJ
iaajah-7571	410	13	journals	journal	NOUN
iaajah-7571	410	14	online	online	ADV
iaajah-7571	410	15	,	,	PUNCT
iaajah-7571	410	16	google	google	PROPN
iaajah-7571	410	17	scholar	scholar	NOUN
iaajah-7571	410	18	,	,	PUNCT
iaajah-7571	410	19	igwebuike	igwebuike	PROPN
iaajah-7571	410	20	research	research	PROPN
iaajah-7571	410	21	institute	institute	NOUN
iaajah-7571	410	22	80	80	NUM
iaajah-7571	410	23	•	•	NUM
iaajah-7571	410	24	higher	high	ADJ
iaajah-7571	410	25	financial	financial	ADJ
iaajah-7571	410	26	inclusion	inclusion	NOUN
iaajah-7571	410	27	:	:	PUNCT
iaajah-7571	410	28	72	72	NUM
iaajah-7571	410	29	%	%	NOUN
iaajah-7571	410	30	of	of	ADP
iaajah-7571	410	31	members	member	NOUN
iaajah-7571	410	32	began	begin	VERB
iaajah-7571	410	33	using	use	VERB
iaajah-7571	410	34	mobile	mobile	ADJ
iaajah-7571	410	35	money	money	NOUN
iaajah-7571	410	36	services	service	NOUN
iaajah-7571	410	37	by	by	ADP
iaajah-7571	410	38	mid-2021	mid-2021	NOUN
iaajah-7571	410	39	,	,	PUNCT
iaajah-7571	410	40	reducing	reduce	VERB
iaajah-7571	410	41	the	the	DET
iaajah-7571	410	42	risk	risk	NOUN
iaajah-7571	410	43	of	of	ADP
iaajah-7571	410	44	cash	cash	NOUN
iaajah-7571	410	45	loss	loss	NOUN
iaajah-7571	410	46	and	and	CCONJ
iaajah-7571	410	47	enabling	enable	VERB
iaajah-7571	410	48	faster	fast	ADJ
iaajah-7571	410	49	financial	financial	ADJ
iaajah-7571	410	50	transactions	transaction	NOUN
iaajah-7571	410	51	.	.	PUNCT
iaajah-7571	411	1	•	•	NUM
iaajah-7571	411	2	better	well	ADJ
iaajah-7571	411	3	inclusion	inclusion	NOUN
iaajah-7571	411	4	of	of	ADP
iaajah-7571	411	5	low	low	ADJ
iaajah-7571	411	6	-	-	PUNCT
iaajah-7571	411	7	literate	literate	ADJ
iaajah-7571	411	8	members	member	NOUN
iaajah-7571	411	9	:	:	PUNCT
iaajah-7571	411	10	voice	voice	NOUN
iaajah-7571	411	11	-	-	PUNCT
iaajah-7571	411	12	based	base	VERB
iaajah-7571	411	13	messaging	messaging	NOUN
iaajah-7571	411	14	improved	improve	VERB
iaajah-7571	411	15	accessibility	accessibility	NOUN
iaajah-7571	411	16	for	for	ADP
iaajah-7571	411	17	women	woman	NOUN
iaajah-7571	411	18	who	who	PRON
iaajah-7571	411	19	previously	previously	ADV
iaajah-7571	411	20	struggled	struggle	VERB
iaajah-7571	411	21	to	to	PART
iaajah-7571	411	22	engage	engage	VERB
iaajah-7571	411	23	with	with	ADP
iaajah-7571	411	24	printed	print	VERB
iaajah-7571	411	25	memos	memo	NOUN
iaajah-7571	411	26	.	.	PUNCT
iaajah-7571	412	1	•	•	NUM
iaajah-7571	412	2	enhanced	enhance	VERB
iaajah-7571	412	3	leadership	leadership	NOUN
iaajah-7571	412	4	visibility	visibility	NOUN
iaajah-7571	412	5	:	:	PUNCT
iaajah-7571	412	6	executive	executive	ADJ
iaajah-7571	412	7	members	member	NOUN
iaajah-7571	412	8	used	use	VERB
iaajah-7571	412	9	whatsapp	whatsapp	NOUN
iaajah-7571	412	10	status	status	NOUN
iaajah-7571	412	11	updates	update	VERB
iaajah-7571	412	12	to	to	PART
iaajah-7571	412	13	show	show	VERB
iaajah-7571	412	14	project	project	NOUN
iaajah-7571	412	15	milestones	milestone	NOUN
iaajah-7571	412	16	and	and	CCONJ
iaajah-7571	412	17	funding	funding	NOUN
iaajah-7571	412	18	successes	success	NOUN
iaajah-7571	412	19	,	,	PUNCT
iaajah-7571	412	20	strengthening	strengthen	VERB
iaajah-7571	412	21	member	member	NOUN
iaajah-7571	412	22	trust	trust	NOUN
iaajah-7571	412	23	.	.	PUNCT
iaajah-7571	413	1	challenges	challenge	NOUN
iaajah-7571	413	2	:	:	PUNCT
iaajah-7571	414	1	•	•	NUM
iaajah-7571	414	2	lack	lack	NOUN
iaajah-7571	414	3	of	of	ADP
iaajah-7571	414	4	consistent	consistent	ADJ
iaajah-7571	414	5	electricity	electricity	NOUN
iaajah-7571	414	6	in	in	ADP
iaajah-7571	414	7	villages	village	NOUN
iaajah-7571	414	8	delayed	delay	VERB
iaajah-7571	414	9	phone	phone	NOUN
iaajah-7571	414	10	charging	charging	NOUN
iaajah-7571	414	11	and	and	CCONJ
iaajah-7571	414	12	message	message	NOUN
iaajah-7571	414	13	delivery	delivery	NOUN
iaajah-7571	414	14	.	.	PUNCT
iaajah-7571	415	1	•	•	NOUN
iaajah-7571	415	2	some	some	DET
iaajah-7571	415	3	fintech	fintech	NOUN
iaajah-7571	415	4	agents	agent	NOUN
iaajah-7571	415	5	delayed	delay	VERB
iaajah-7571	415	6	withdrawals	withdrawal	NOUN
iaajah-7571	415	7	or	or	CCONJ
iaajah-7571	415	8	overcharged	overcharge	VERB
iaajah-7571	415	9	for	for	ADP
iaajah-7571	415	10	services	service	NOUN
iaajah-7571	415	11	.	.	PUNCT
iaajah-7571	416	1	key	key	ADJ
iaajah-7571	416	2	lesson	lesson	NOUN
iaajah-7571	416	3	:	:	PUNCT
iaajah-7571	416	4	ict	ict	NOUN
iaajah-7571	416	5	adoption	adoption	NOUN
iaajah-7571	416	6	must	must	AUX
iaajah-7571	416	7	consider	consider	VERB
iaajah-7571	416	8	the	the	DET
iaajah-7571	416	9	linguistic	linguistic	ADJ
iaajah-7571	416	10	and	and	CCONJ
iaajah-7571	416	11	literacy	literacy	NOUN
iaajah-7571	416	12	realities	reality	NOUN
iaajah-7571	416	13	of	of	ADP
iaajah-7571	416	14	rural	rural	ADJ
iaajah-7571	416	15	women	woman	NOUN
iaajah-7571	416	16	.	.	PUNCT
iaajah-7571	417	1	by	by	ADP
iaajah-7571	417	2	using	use	VERB
iaajah-7571	417	3	voice	voice	NOUN
iaajah-7571	417	4	and	and	CCONJ
iaajah-7571	417	5	vernacular	vernacular	ADJ
iaajah-7571	417	6	communication	communication	NOUN
iaajah-7571	417	7	,	,	PUNCT
iaajah-7571	417	8	cooperatives	cooperative	NOUN
iaajah-7571	417	9	like	like	ADP
iaajah-7571	417	10	uwmcs	uwmcs	ADV
iaajah-7571	417	11	achieve	achieve	VERB
iaajah-7571	417	12	better	well	ADJ
iaajah-7571	417	13	inclusion	inclusion	NOUN
iaajah-7571	417	14	and	and	CCONJ
iaajah-7571	417	15	responsiveness	responsiveness	NOUN
iaajah-7571	417	16	.	.	PUNCT
iaajah-7571	418	1	case	case	NOUN
iaajah-7571	418	2	illustration	illustration	NOUN
iaajah-7571	418	3	3	3	NUM
iaajah-7571	418	4	:	:	PUNCT
iaajah-7571	418	5	progressive	progressive	ADJ
iaajah-7571	418	6	youth	youth	NOUN
iaajah-7571	418	7	cooperative	cooperative	NOUN
iaajah-7571	418	8	,	,	PUNCT
iaajah-7571	418	9	kano	kano	PROPN
iaajah-7571	418	10	state	state	PROPN
iaajah-7571	418	11	overview	overview	NOUN
iaajah-7571	418	12	:	:	PUNCT
iaajah-7571	418	13	progressive	progressive	ADJ
iaajah-7571	418	14	youth	youth	NOUN
iaajah-7571	418	15	cooperative	cooperative	NOUN
iaajah-7571	418	16	is	be	AUX
iaajah-7571	418	17	an	an	DET
iaajah-7571	418	18	urban	urban	ADJ
iaajah-7571	418	19	-	-	PUNCT
iaajah-7571	418	20	based	base	VERB
iaajah-7571	418	21	cooperative	cooperative	NOUN
iaajah-7571	418	22	located	locate	VERB
iaajah-7571	418	23	in	in	ADP
iaajah-7571	418	24	kano	kano	PROPN
iaajah-7571	418	25	city	city	PROPN
iaajah-7571	418	26	.	.	PUNCT
iaajah-7571	419	1	established	establish	VERB
iaajah-7571	419	2	in	in	ADP
iaajah-7571	419	3	2016	2016	NUM
iaajah-7571	419	4	by	by	ADP
iaajah-7571	419	5	a	a	DET
iaajah-7571	419	6	group	group	NOUN
iaajah-7571	419	7	of	of	ADP
iaajah-7571	419	8	unemployed	unemployed	ADJ
iaajah-7571	419	9	graduates	graduate	NOUN
iaajah-7571	419	10	and	and	CCONJ
iaajah-7571	419	11	artisans	artisan	NOUN
iaajah-7571	419	12	,	,	PUNCT
iaajah-7571	419	13	it	it	PRON
iaajah-7571	419	14	focuses	focus	VERB
iaajah-7571	419	15	on	on	ADP
iaajah-7571	419	16	digital	digital	ADJ
iaajah-7571	419	17	entrepreneurship	entrepreneurship	NOUN
iaajah-7571	419	18	,	,	PUNCT
iaajah-7571	419	19	technical	technical	ADJ
iaajah-7571	419	20	skill	skill	NOUN
iaajah-7571	419	21	training	training	NOUN
iaajah-7571	419	22	,	,	PUNCT
iaajah-7571	419	23	and	and	CCONJ
iaajah-7571	419	24	cooperative	cooperative	ADJ
iaajah-7571	419	25	finance	finance	NOUN
iaajah-7571	419	26	.	.	PUNCT
iaajah-7571	420	1	the	the	DET
iaajah-7571	420	2	membership	membership	NOUN
iaajah-7571	420	3	consists	consist	VERB
iaajah-7571	420	4	mostly	mostly	ADV
iaajah-7571	420	5	of	of	ADP
iaajah-7571	420	6	youths	youth	NOUN
iaajah-7571	420	7	aged	age	VERB
iaajah-7571	420	8	18–35	18–35	NUM
iaajah-7571	420	9	.	.	PUNCT
iaajah-7571	421	1	ict	ict	NOUN
iaajah-7571	421	2	tools	tool	NOUN
iaajah-7571	421	3	and	and	CCONJ
iaajah-7571	421	4	innovations	innovation	NOUN
iaajah-7571	421	5	:	:	PUNCT
iaajah-7571	421	6	•	•	NUM
iaajah-7571	421	7	google	google	NOUN
iaajah-7571	421	8	workspace	workspace	NOUN
iaajah-7571	421	9	integration	integration	NOUN
iaajah-7571	421	10	:	:	PUNCT
iaajah-7571	421	11	the	the	DET
iaajah-7571	421	12	cooperative	cooperative	NOUN
iaajah-7571	421	13	uses	use	VERB
iaajah-7571	421	14	google	google	PROPN
iaajah-7571	421	15	docs	docs	PROPN
iaajah-7571	421	16	,	,	PUNCT
iaajah-7571	421	17	sheets	sheet	NOUN
iaajah-7571	421	18	,	,	PUNCT
iaajah-7571	421	19	and	and	CCONJ
iaajah-7571	421	20	forms	form	NOUN
iaajah-7571	421	21	to	to	PART
iaajah-7571	421	22	share	share	VERB
iaajah-7571	421	23	reports	report	NOUN
iaajah-7571	421	24	,	,	PUNCT
iaajah-7571	421	25	track	track	VERB
iaajah-7571	421	26	attendance	attendance	NOUN
iaajah-7571	421	27	,	,	PUNCT
iaajah-7571	421	28	and	and	CCONJ
iaajah-7571	421	29	collect	collect	VERB
iaajah-7571	421	30	member	member	NOUN
iaajah-7571	421	31	opinions	opinion	NOUN
iaajah-7571	421	32	on	on	ADP
iaajah-7571	421	33	new	new	ADJ
iaajah-7571	421	34	initiatives	initiative	NOUN
iaajah-7571	421	35	.	.	PUNCT
iaajah-7571	422	1	•	•	NUM
iaajah-7571	422	2	telegram	telegram	PROPN
iaajah-7571	422	3	channel	channel	PROPN
iaajah-7571	422	4	:	:	PUNCT
iaajah-7571	422	5	due	due	ADP
iaajah-7571	422	6	to	to	ADP
iaajah-7571	422	7	whatsapp	whatsapp	NOUN
iaajah-7571	422	8	’s	’s	PART
iaajah-7571	422	9	participant	participant	ADJ
iaajah-7571	422	10	limit	limit	NOUN
iaajah-7571	422	11	,	,	PUNCT
iaajah-7571	422	12	the	the	DET
iaajah-7571	422	13	cooperative	cooperative	NOUN
iaajah-7571	422	14	migrated	migrate	VERB
iaajah-7571	422	15	to	to	ADP
iaajah-7571	422	16	telegram	telegram	NOUN
iaajah-7571	422	17	,	,	PUNCT
iaajah-7571	422	18	which	which	PRON
iaajah-7571	422	19	allows	allow	VERB
iaajah-7571	422	20	up	up	ADP
iaajah-7571	422	21	to	to	PART
iaajah-7571	422	22	200,000	200,000	NUM
iaajah-7571	422	23	members	member	NOUN
iaajah-7571	422	24	and	and	CCONJ
iaajah-7571	422	25	file	file	VERB
iaajah-7571	422	26	sharing	sharing	NOUN
iaajah-7571	422	27	without	without	ADP
iaajah-7571	422	28	compression	compression	NOUN
iaajah-7571	422	29	.	.	PUNCT
iaajah-7571	423	1	•	•	NUM
iaajah-7571	423	2	zoom	zoom	NOUN
iaajah-7571	423	3	for	for	ADP
iaajah-7571	423	4	virtual	virtual	ADJ
iaajah-7571	423	5	training	training	NOUN
iaajah-7571	423	6	:	:	PUNCT
iaajah-7571	423	7	progressive	progressive	ADJ
iaajah-7571	423	8	youth	youth	NOUN
iaajah-7571	423	9	hosts	host	NOUN
iaajah-7571	423	10	monthly	monthly	ADJ
iaajah-7571	423	11	webinars	webinar	NOUN
iaajah-7571	423	12	and	and	CCONJ
iaajah-7571	423	13	digital	digital	ADJ
iaajah-7571	423	14	skill	skill	NOUN
iaajah-7571	423	15	sessions	session	NOUN
iaajah-7571	423	16	via	via	ADP
iaajah-7571	423	17	zoom	zoom	NOUN
iaajah-7571	423	18	and	and	CCONJ
iaajah-7571	423	19	google	google	PROPN
iaajah-7571	423	20	meet	meet	VERB
iaajah-7571	423	21	to	to	PART
iaajah-7571	423	22	train	train	VERB
iaajah-7571	423	23	members	member	NOUN
iaajah-7571	423	24	on	on	ADP
iaajah-7571	423	25	topics	topic	NOUN
iaajah-7571	423	26	such	such	ADJ
iaajah-7571	423	27	as	as	ADP
iaajah-7571	423	28	coding	code	VERB
iaajah-7571	423	29	,	,	PUNCT
iaajah-7571	423	30	forex	forex	ADJ
iaajah-7571	423	31	,	,	PUNCT
iaajah-7571	423	32	and	and	CCONJ
iaajah-7571	423	33	digital	digital	ADJ
iaajah-7571	423	34	marketing	marketing	NOUN
iaajah-7571	423	35	.	.	PUNCT
iaajah-7571	424	1	•	•	NUM
iaajah-7571	424	2	custom	custom	NOUN
iaajah-7571	424	3	web	web	NOUN
iaajah-7571	424	4	portal	portal	NOUN
iaajah-7571	424	5	:	:	PUNCT
iaajah-7571	424	6	in	in	ADP
iaajah-7571	424	7	2022	2022	NUM
iaajah-7571	424	8	,	,	PUNCT
iaajah-7571	424	9	a	a	DET
iaajah-7571	424	10	member	member	NOUN
iaajah-7571	424	11	-	-	PUNCT
iaajah-7571	424	12	developed	develop	VERB
iaajah-7571	424	13	portal	portal	NOUN
iaajah-7571	424	14	was	be	AUX
iaajah-7571	424	15	launched	launch	VERB
iaajah-7571	424	16	,	,	PUNCT
iaajah-7571	424	17	allowing	allow	VERB
iaajah-7571	424	18	users	user	NOUN
iaajah-7571	424	19	to	to	PART
iaajah-7571	424	20	log	log	VERB
iaajah-7571	424	21	in	in	ADP
iaajah-7571	424	22	,	,	PUNCT
iaajah-7571	424	23	update	update	VERB
iaajah-7571	424	24	savings	saving	NOUN
iaajah-7571	424	25	records	record	NOUN
iaajah-7571	424	26	,	,	PUNCT
iaajah-7571	424	27	and	and	CCONJ
iaajah-7571	424	28	generate	generate	VERB
iaajah-7571	424	29	personal	personal	ADJ
iaajah-7571	424	30	account	account	NOUN
iaajah-7571	424	31	summaries	summary	NOUN
iaajah-7571	424	32	.	.	PUNCT
iaajah-7571	425	1	impacts	impact	NOUN
iaajah-7571	425	2	:	:	PUNCT
iaajah-7571	425	3	•	•	NUM
iaajah-7571	425	4	digital	digital	ADJ
iaajah-7571	425	5	skill	skill	NOUN
iaajah-7571	425	6	enhancement	enhancement	NOUN
iaajah-7571	425	7	:	:	PUNCT
iaajah-7571	425	8	over	over	ADP
iaajah-7571	425	9	60	60	NUM
iaajah-7571	425	10	%	%	NOUN
iaajah-7571	425	11	of	of	ADP
iaajah-7571	425	12	members	member	NOUN
iaajah-7571	425	13	acquired	acquire	VERB
iaajah-7571	425	14	at	at	ADP
iaajah-7571	425	15	least	least	ADV
iaajah-7571	425	16	one	one	NUM
iaajah-7571	425	17	new	new	ADJ
iaajah-7571	425	18	digital	digital	ADJ
iaajah-7571	425	19	skill	skill	NOUN
iaajah-7571	425	20	,	,	PUNCT
iaajah-7571	425	21	increasing	increase	VERB
iaajah-7571	425	22	their	their	PRON
iaajah-7571	425	23	income	income	NOUN
iaajah-7571	425	24	opportunities	opportunity	NOUN
iaajah-7571	425	25	.	.	PUNCT
iaajah-7571	426	1	igwebuike	igwebuike	NOUN
iaajah-7571	426	2	:	:	PUNCT
iaajah-7571	426	3	an	an	DET
iaajah-7571	426	4	african	african	ADJ
iaajah-7571	426	5	journal	journal	NOUN
iaajah-7571	426	6	of	of	ADP
iaajah-7571	426	7	arts	art	NOUN
iaajah-7571	426	8	and	and	CCONJ
iaajah-7571	426	9	humanities	humanity	NOUN
iaajah-7571	426	10	vol	vol	NOUN
iaajah-7571	426	11	.	.	PUNCT
iaajah-7571	427	1	11	11	NUM
iaajah-7571	427	2	.	.	PUNCT
iaajah-7571	428	1	no	no	INTJ
iaajah-7571	428	2	.	.	NOUN
iaajah-7571	428	3	7	7	NUM
iaajah-7571	428	4	,	,	PUNCT
iaajah-7571	428	5	(	(	PUNCT
iaajah-7571	428	6	2025	2025	NUM
iaajah-7571	428	7	)	)	PUNCT
iaajah-7571	428	8	issn	issn	PROPN
iaajah-7571	428	9	:	:	PUNCT
iaajah-7571	428	10	24889210	24889210	NUM
iaajah-7571	428	11	(	(	PUNCT
iaajah-7571	428	12	print	print	NOUN
iaajah-7571	428	13	)	)	PUNCT
iaajah-7571	428	14	2504	2504	NUM
iaajah-7571	428	15	-	-	SYM
iaajah-7571	428	16	9038	9038	NUM
iaajah-7571	428	17	(	(	PUNCT
iaajah-7571	428	18	online	online	NOUN
iaajah-7571	428	19	)	)	PUNCT
iaajah-7571	428	20	dept	dept	NOUN
iaajah-7571	428	21	.	.	PROPN
iaajah-7571	429	1	of	of	ADP
iaajah-7571	429	2	philosophy	philosophy	NOUN
iaajah-7571	429	3	and	and	CCONJ
iaajah-7571	429	4	religious	religious	ADJ
iaajah-7571	429	5	studies	study	NOUN
iaajah-7571	429	6	,	,	PUNCT
iaajah-7571	429	7	tansian	tansian	PROPN
iaajah-7571	429	8	university	university	PROPN
iaajah-7571	429	9	umunya	umunya	PROPN
iaajah-7571	429	10	indexed	indexed	PROPN
iaajah-7571	429	11	:	:	PUNCT
iaajah-7571	429	12	academic	academic	ADJ
iaajah-7571	429	13	journals	journal	NOUN
iaajah-7571	429	14	online	online	ADV
iaajah-7571	429	15	,	,	PUNCT
iaajah-7571	429	16	google	google	PROPN
iaajah-7571	429	17	scholar	scholar	NOUN
iaajah-7571	429	18	,	,	PUNCT
iaajah-7571	429	19	igwebuike	igwebuike	PROPN
iaajah-7571	429	20	research	research	PROPN
iaajah-7571	429	21	institute	institute	PROPN
iaajah-7571	429	22	81	81	NUM
iaajah-7571	429	23	•	•	NUM
iaajah-7571	429	24	transparent	transparent	ADJ
iaajah-7571	429	25	operations	operation	NOUN
iaajah-7571	429	26	:	:	PUNCT
iaajah-7571	429	27	members	member	NOUN
iaajah-7571	429	28	could	could	AUX
iaajah-7571	429	29	monitor	monitor	VERB
iaajah-7571	429	30	their	their	PRON
iaajah-7571	429	31	cooperative	cooperative	ADJ
iaajah-7571	429	32	accounts	account	NOUN
iaajah-7571	429	33	in	in	ADP
iaajah-7571	429	34	real	real	ADJ
iaajah-7571	429	35	-	-	PUNCT
iaajah-7571	429	36	time	time	NOUN
iaajah-7571	429	37	,	,	PUNCT
iaajah-7571	429	38	boosting	boost	VERB
iaajah-7571	429	39	trust	trust	NOUN
iaajah-7571	429	40	and	and	CCONJ
iaajah-7571	429	41	engagement	engagement	NOUN
iaajah-7571	429	42	.	.	PUNCT
iaajah-7571	430	1	•	•	NUM
iaajah-7571	430	2	remote	remote	ADJ
iaajah-7571	430	3	participation	participation	NOUN
iaajah-7571	430	4	:	:	PUNCT
iaajah-7571	430	5	diaspora	diaspora	PROPN
iaajah-7571	430	6	members	member	NOUN
iaajah-7571	430	7	remained	remain	VERB
iaajah-7571	430	8	actively	actively	ADV
iaajah-7571	430	9	involved	involve	VERB
iaajah-7571	430	10	,	,	PUNCT
iaajah-7571	430	11	voting	vote	VERB
iaajah-7571	430	12	and	and	CCONJ
iaajah-7571	430	13	contributing	contribute	VERB
iaajah-7571	430	14	via	via	ADP
iaajah-7571	430	15	digital	digital	ADJ
iaajah-7571	430	16	tools	tool	NOUN
iaajah-7571	430	17	.	.	PUNCT
iaajah-7571	431	1	challenges	challenge	NOUN
iaajah-7571	431	2	:	:	PUNCT
iaajah-7571	431	3	•	•	NUM
iaajah-7571	431	4	internet	internet	NOUN
iaajah-7571	431	5	costs	cost	NOUN
iaajah-7571	431	6	remain	remain	VERB
iaajah-7571	431	7	high	high	ADJ
iaajah-7571	431	8	for	for	ADP
iaajah-7571	431	9	low	low	ADJ
iaajah-7571	431	10	-	-	PUNCT
iaajah-7571	431	11	income	income	NOUN
iaajah-7571	431	12	youth	youth	NOUN
iaajah-7571	431	13	.	.	PUNCT
iaajah-7571	432	1	•	•	NOUN
iaajah-7571	432	2	some	some	DET
iaajah-7571	432	3	tools	tool	NOUN
iaajah-7571	432	4	like	like	SCONJ
iaajah-7571	432	5	google	google	PROPN
iaajah-7571	432	6	forms	form	NOUN
iaajah-7571	432	7	required	require	VERB
iaajah-7571	432	8	regular	regular	ADJ
iaajah-7571	432	9	re	re	NOUN
iaajah-7571	432	10	-	-	NOUN
iaajah-7571	432	11	training	training	NOUN
iaajah-7571	432	12	for	for	ADP
iaajah-7571	432	13	new	new	ADJ
iaajah-7571	432	14	users	user	NOUN
iaajah-7571	432	15	.	.	PUNCT
iaajah-7571	433	1	•	•	NUM
iaajah-7571	433	2	occasional	occasional	ADJ
iaajah-7571	433	3	phishing	phishe	VERB
iaajah-7571	433	4	attacks	attack	NOUN
iaajah-7571	433	5	led	lead	VERB
iaajah-7571	433	6	to	to	ADP
iaajah-7571	433	7	a	a	DET
iaajah-7571	433	8	stronger	strong	ADJ
iaajah-7571	433	9	focus	focus	NOUN
iaajah-7571	433	10	on	on	ADP
iaajah-7571	433	11	digital	digital	ADJ
iaajah-7571	433	12	security	security	NOUN
iaajah-7571	433	13	.	.	PUNCT
iaajah-7571	434	1	key	key	ADJ
iaajah-7571	434	2	lesson	lesson	NOUN
iaajah-7571	434	3	:	:	PUNCT
iaajah-7571	434	4	youth	youth	NOUN
iaajah-7571	434	5	-	-	PUNCT
iaajah-7571	434	6	led	lead	VERB
iaajah-7571	434	7	cooperatives	cooperative	NOUN
iaajah-7571	434	8	can	can	AUX
iaajah-7571	434	9	serve	serve	VERB
iaajah-7571	434	10	as	as	ADP
iaajah-7571	434	11	early	early	ADJ
iaajah-7571	434	12	adopters	adopter	NOUN
iaajah-7571	434	13	of	of	ADP
iaajah-7571	434	14	sophisticated	sophisticated	ADJ
iaajah-7571	434	15	digital	digital	ADJ
iaajah-7571	434	16	tools	tool	NOUN
iaajah-7571	434	17	.	.	PUNCT
iaajah-7571	435	1	however	however	ADV
iaajah-7571	435	2	,	,	PUNCT
iaajah-7571	435	3	continuous	continuous	ADJ
iaajah-7571	435	4	capacity	capacity	NOUN
iaajah-7571	435	5	building	building	NOUN
iaajah-7571	435	6	and	and	CCONJ
iaajah-7571	435	7	cybersecurity	cybersecurity	NOUN
iaajah-7571	435	8	awareness	awareness	NOUN
iaajah-7571	435	9	are	be	AUX
iaajah-7571	435	10	essential	essential	ADJ
iaajah-7571	435	11	to	to	PART
iaajah-7571	435	12	maintain	maintain	VERB
iaajah-7571	435	13	digital	digital	ADJ
iaajah-7571	435	14	trust	trust	NOUN
iaajah-7571	435	15	.	.	PUNCT
iaajah-7571	436	1	synthesis	synthesis	NOUN
iaajah-7571	436	2	of	of	ADP
iaajah-7571	436	3	lessons	lesson	NOUN
iaajah-7571	436	4	across	across	ADP
iaajah-7571	436	5	cases	case	NOUN
iaajah-7571	436	6	case	case	NOUN
iaajah-7571	436	7	key	key	ADJ
iaajah-7571	436	8	tools	tool	NOUN
iaajah-7571	436	9	used	use	VERB
iaajah-7571	436	10	unique	unique	ADJ
iaajah-7571	436	11	adaptation	adaptation	NOUN
iaajah-7571	436	12	main	main	ADJ
iaajah-7571	436	13	outcome	outcome	NOUN
iaajah-7571	436	14	egbe	egbe	NOUN
iaajah-7571	436	15	progress	progress	NOUN
iaajah-7571	436	16	cooperative	cooperative	NOUN
iaajah-7571	436	17	,	,	PUNCT
iaajah-7571	436	18	ogun	ogun	PROPN
iaajah-7571	436	19	whatsapp	whatsapp	NOUN
iaajah-7571	436	20	,	,	PUNCT
iaajah-7571	436	21	bulk	bulk	ADJ
iaajah-7571	436	22	sms	sms	PROPN
iaajah-7571	436	23	,	,	PUNCT
iaajah-7571	436	24	email	email	NOUN
iaajah-7571	436	25	,	,	PUNCT
iaajah-7571	436	26	coopcash	coopcash	VERB
iaajah-7571	436	27	app	app	NOUN
iaajah-7571	436	28	blending	blend	VERB
iaajah-7571	436	29	low	low	ADJ
iaajah-7571	436	30	-	-	PUNCT
iaajah-7571	436	31	tech	tech	NOUN
iaajah-7571	436	32	and	and	CCONJ
iaajah-7571	436	33	digital	digital	ADJ
iaajah-7571	436	34	tools	tool	NOUN
iaajah-7571	436	35	faster	fast	ADJ
iaajah-7571	436	36	,	,	PUNCT
iaajah-7571	436	37	transparent	transparent	ADJ
iaajah-7571	436	38	communication	communication	NOUN
iaajah-7571	436	39	unity	unity	NOUN
iaajah-7571	436	40	women	woman	NOUN
iaajah-7571	436	41	cooperative	cooperative	NOUN
iaajah-7571	436	42	,	,	PUNCT
iaajah-7571	436	43	enugu	enugu	PROPN
iaajah-7571	436	44	mobile	mobile	ADJ
iaajah-7571	436	45	money	money	NOUN
iaajah-7571	436	46	,	,	PUNCT
iaajah-7571	436	47	voice	voice	NOUN
iaajah-7571	436	48	messaging	messaging	NOUN
iaajah-7571	436	49	,	,	PUNCT
iaajah-7571	436	50	whatsapp	whatsapp	NOUN
iaajah-7571	436	51	audio	audio	NOUN
iaajah-7571	436	52	vernacular	vernacular	NOUN
iaajah-7571	436	53	and	and	CCONJ
iaajah-7571	436	54	voicebased	voicebase	VERB
iaajah-7571	436	55	tools	tool	NOUN
iaajah-7571	436	56	for	for	ADP
iaajah-7571	436	57	rural	rural	ADJ
iaajah-7571	436	58	women	woman	NOUN
iaajah-7571	436	59	improved	improve	VERB
iaajah-7571	436	60	financial	financial	ADJ
iaajah-7571	436	61	inclusion	inclusion	NOUN
iaajah-7571	436	62	and	and	CCONJ
iaajah-7571	436	63	access	access	NOUN
iaajah-7571	436	64	progressive	progressive	ADJ
iaajah-7571	436	65	youth	youth	NOUN
iaajah-7571	436	66	cooperative	cooperative	NOUN
iaajah-7571	436	67	,	,	PUNCT
iaajah-7571	436	68	kano	kano	PROPN
iaajah-7571	436	69	google	google	PROPN
iaajah-7571	436	70	tools	tool	NOUN
iaajah-7571	436	71	,	,	PUNCT
iaajah-7571	436	72	zoom	zoom	NOUN
iaajah-7571	436	73	,	,	PUNCT
iaajah-7571	436	74	telegram	telegram	NOUN
iaajah-7571	436	75	,	,	PUNCT
iaajah-7571	436	76	custom	custom	NOUN
iaajah-7571	436	77	portal	portal	PROPN
iaajah-7571	436	78	web	web	NOUN
iaajah-7571	436	79	-	-	PUNCT
iaajah-7571	436	80	based	base	VERB
iaajah-7571	436	81	automation	automation	NOUN
iaajah-7571	436	82	and	and	CCONJ
iaajah-7571	436	83	digital	digital	ADJ
iaajah-7571	436	84	skills	skill	NOUN
iaajah-7571	436	85	training	train	VERB
iaajah-7571	436	86	strong	strong	ADJ
iaajah-7571	436	87	youth	youth	NOUN
iaajah-7571	436	88	engagement	engagement	NOUN
iaajah-7571	436	89	and	and	CCONJ
iaajah-7571	436	90	realtime	realtime	NOUN
iaajah-7571	436	91	access	access	NOUN
iaajah-7571	436	92	case	case	NOUN
iaajah-7571	436	93	illustration	illustration	NOUN
iaajah-7571	436	94	4	4	NUM
iaajah-7571	436	95	:	:	PUNCT
iaajah-7571	436	96	tiv	tiv	PROPN
iaajah-7571	436	97	farmers	farmer	NOUN
iaajah-7571	436	98	'	'	PART
iaajah-7571	436	99	cooperative	cooperative	ADJ
iaajah-7571	436	100	union	union	NOUN
iaajah-7571	436	101	,	,	PUNCT
iaajah-7571	436	102	benue	benue	VERB
iaajah-7571	436	103	state	state	NOUN
iaajah-7571	436	104	overview	overview	NOUN
iaajah-7571	436	105	:	:	PUNCT
iaajah-7571	436	106	the	the	DET
iaajah-7571	436	107	tiv	tiv	PROPN
iaajah-7571	436	108	farmers	farmer	NOUN
iaajah-7571	436	109	'	'	PART
iaajah-7571	436	110	cooperative	cooperative	ADJ
iaajah-7571	436	111	union	union	NOUN
iaajah-7571	436	112	(	(	PUNCT
iaajah-7571	436	113	tfcu	tfcu	NOUN
iaajah-7571	436	114	)	)	PUNCT
iaajah-7571	436	115	,	,	PUNCT
iaajah-7571	436	116	headquartered	headquarter	VERB
iaajah-7571	436	117	in	in	ADP
iaajah-7571	436	118	gboko	gboko	NOUN
iaajah-7571	436	119	,	,	PUNCT
iaajah-7571	436	120	benue	benue	VERB
iaajah-7571	436	121	state	state	NOUN
iaajah-7571	436	122	,	,	PUNCT
iaajah-7571	436	123	is	be	AUX
iaajah-7571	436	124	a	a	DET
iaajah-7571	436	125	large	large	ADJ
iaajah-7571	436	126	agrarian	agrarian	ADJ
iaajah-7571	436	127	cooperative	cooperative	NOUN
iaajah-7571	436	128	with	with	ADP
iaajah-7571	436	129	over	over	ADP
iaajah-7571	436	130	300	300	NUM
iaajah-7571	436	131	registered	register	VERB
iaajah-7571	436	132	members	member	NOUN
iaajah-7571	436	133	engaged	engage	VERB
iaajah-7571	436	134	in	in	ADP
iaajah-7571	436	135	yam	yam	NOUN
iaajah-7571	436	136	,	,	PUNCT
iaajah-7571	436	137	cassava	cassava	NOUN
iaajah-7571	436	138	,	,	PUNCT
iaajah-7571	436	139	and	and	CCONJ
iaajah-7571	436	140	rice	rice	NOUN
iaajah-7571	436	141	farming	farming	NOUN
iaajah-7571	436	142	.	.	PUNCT
iaajah-7571	437	1	the	the	DET
iaajah-7571	437	2	cooperative	cooperative	NOUN
iaajah-7571	437	3	was	be	AUX
iaajah-7571	437	4	established	establish	VERB
iaajah-7571	437	5	in	in	ADP
iaajah-7571	437	6	2009	2009	NUM
iaajah-7571	437	7	to	to	ADP
iaajah-7571	437	8	pool	pool	NOUN
iaajah-7571	437	9	resources	resource	NOUN
iaajah-7571	437	10	,	,	PUNCT
iaajah-7571	437	11	access	access	NOUN
iaajah-7571	437	12	government	government	NOUN
iaajah-7571	437	13	interventions	intervention	NOUN
iaajah-7571	437	14	,	,	PUNCT
iaajah-7571	437	15	and	and	CCONJ
iaajah-7571	437	16	enhance	enhance	VERB
iaajah-7571	437	17	market	market	NOUN
iaajah-7571	437	18	access	access	NOUN
iaajah-7571	437	19	for	for	ADP
iaajah-7571	437	20	smallholder	smallholder	NOUN
iaajah-7571	437	21	farmers	farmer	NOUN
iaajah-7571	437	22	.	.	PUNCT
iaajah-7571	438	1	the	the	DET
iaajah-7571	438	2	union	union	NOUN
iaajah-7571	438	3	has	have	VERB
iaajah-7571	438	4	multiple	multiple	ADJ
iaajah-7571	438	5	satellite	satellite	NOUN
iaajah-7571	438	6	groups	group	NOUN
iaajah-7571	438	7	across	across	ADP
iaajah-7571	438	8	three	three	NUM
iaajah-7571	438	9	local	local	ADJ
iaajah-7571	438	10	governments	government	NOUN
iaajah-7571	438	11	.	.	PUNCT
iaajah-7571	439	1	ict	ict	NOUN
iaajah-7571	439	2	tools	tool	NOUN
iaajah-7571	439	3	and	and	CCONJ
iaajah-7571	439	4	communication	communication	NOUN
iaajah-7571	439	5	strategy	strategy	NOUN
iaajah-7571	439	6	:	:	PUNCT
iaajah-7571	439	7	igwebuike	igwebuike	NOUN
iaajah-7571	439	8	:	:	PUNCT
iaajah-7571	439	9	an	an	DET
iaajah-7571	439	10	african	african	ADJ
iaajah-7571	439	11	journal	journal	NOUN
iaajah-7571	439	12	of	of	ADP
iaajah-7571	439	13	arts	art	NOUN
iaajah-7571	439	14	and	and	CCONJ
iaajah-7571	439	15	humanities	humanity	NOUN
iaajah-7571	439	16	vol	vol	NOUN
iaajah-7571	439	17	.	.	PUNCT
iaajah-7571	440	1	11	11	NUM
iaajah-7571	440	2	.	.	PUNCT
iaajah-7571	441	1	no	no	INTJ
iaajah-7571	441	2	.	.	NOUN
iaajah-7571	441	3	7	7	NUM
iaajah-7571	441	4	,	,	PUNCT
iaajah-7571	441	5	(	(	PUNCT
iaajah-7571	441	6	2025	2025	NUM
iaajah-7571	441	7	)	)	PUNCT
iaajah-7571	441	8	issn	issn	PROPN
iaajah-7571	441	9	:	:	PUNCT
iaajah-7571	441	10	24889210	24889210	NUM
iaajah-7571	441	11	(	(	PUNCT
iaajah-7571	441	12	print	print	NOUN
iaajah-7571	441	13	)	)	PUNCT
iaajah-7571	441	14	2504	2504	NUM
iaajah-7571	441	15	-	-	SYM
iaajah-7571	441	16	9038	9038	NUM
iaajah-7571	441	17	(	(	PUNCT
iaajah-7571	441	18	online	online	NOUN
iaajah-7571	441	19	)	)	PUNCT
iaajah-7571	441	20	dept	dept	NOUN
iaajah-7571	441	21	.	.	PROPN
iaajah-7571	442	1	of	of	ADP
iaajah-7571	442	2	philosophy	philosophy	NOUN
iaajah-7571	442	3	and	and	CCONJ
iaajah-7571	442	4	religious	religious	ADJ
iaajah-7571	442	5	studies	study	NOUN
iaajah-7571	442	6	,	,	PUNCT
iaajah-7571	442	7	tansian	tansian	PROPN
iaajah-7571	442	8	university	university	PROPN
iaajah-7571	442	9	umunya	umunya	PROPN
iaajah-7571	442	10	indexed	indexed	PROPN
iaajah-7571	442	11	:	:	PUNCT
iaajah-7571	442	12	academic	academic	ADJ
iaajah-7571	442	13	journals	journal	NOUN
iaajah-7571	442	14	online	online	ADV
iaajah-7571	442	15	,	,	PUNCT
iaajah-7571	442	16	google	google	PROPN
iaajah-7571	442	17	scholar	scholar	NOUN
iaajah-7571	442	18	,	,	PUNCT
iaajah-7571	442	19	igwebuike	igwebuike	PROPN
iaajah-7571	442	20	research	research	PROPN
iaajah-7571	442	21	institute	institute	NOUN
iaajah-7571	442	22	82	82	NUM
iaajah-7571	442	23	1	1	NUM
iaajah-7571	442	24	.	.	PUNCT
iaajah-7571	442	25	radio	radio	NOUN
iaajah-7571	442	26	and	and	CCONJ
iaajah-7571	442	27	sms	sms	PROPN
iaajah-7571	442	28	broadcasts	broadcast	NOUN
iaajah-7571	442	29	:	:	PUNCT
iaajah-7571	442	30	due	due	ADP
iaajah-7571	442	31	to	to	ADP
iaajah-7571	442	32	the	the	DET
iaajah-7571	442	33	wide	wide	ADJ
iaajah-7571	442	34	geographical	geographical	ADJ
iaajah-7571	442	35	spread	spread	NOUN
iaajah-7571	442	36	of	of	ADP
iaajah-7571	442	37	members	member	NOUN
iaajah-7571	442	38	and	and	CCONJ
iaajah-7571	442	39	inconsistent	inconsistent	ADJ
iaajah-7571	442	40	mobile	mobile	ADJ
iaajah-7571	442	41	network	network	NOUN
iaajah-7571	442	42	coverage	coverage	NOUN
iaajah-7571	442	43	,	,	PUNCT
iaajah-7571	442	44	the	the	DET
iaajah-7571	442	45	cooperative	cooperative	NOUN
iaajah-7571	442	46	partnered	partner	VERB
iaajah-7571	442	47	with	with	ADP
iaajah-7571	442	48	a	a	DET
iaajah-7571	442	49	local	local	ADJ
iaajah-7571	442	50	radio	radio	NOUN
iaajah-7571	442	51	station	station	NOUN
iaajah-7571	442	52	(	(	PUNCT
iaajah-7571	442	53	harvest	harvest	NOUN
iaajah-7571	442	54	fm	fm	PROPN
iaajah-7571	442	55	makurdi	makurdi	PROPN
iaajah-7571	442	56	)	)	PUNCT
iaajah-7571	442	57	to	to	PART
iaajah-7571	442	58	air	air	VERB
iaajah-7571	442	59	weekly	weekly	ADJ
iaajah-7571	442	60	bulletins	bulletin	NOUN
iaajah-7571	442	61	about	about	ADP
iaajah-7571	442	62	cooperative	cooperative	ADJ
iaajah-7571	442	63	updates	update	NOUN
iaajah-7571	442	64	,	,	PUNCT
iaajah-7571	442	65	market	market	NOUN
iaajah-7571	442	66	prices	price	NOUN
iaajah-7571	442	67	,	,	PUNCT
iaajah-7571	442	68	and	and	CCONJ
iaajah-7571	442	69	weather	weather	NOUN
iaajah-7571	442	70	forecasts	forecast	NOUN
iaajah-7571	442	71	.	.	PUNCT
iaajah-7571	443	1	this	this	PRON
iaajah-7571	443	2	was	be	AUX
iaajah-7571	443	3	complemented	complement	VERB
iaajah-7571	443	4	by	by	ADP
iaajah-7571	443	5	sms	sms	NOUN
iaajah-7571	443	6	alerts	alert	NOUN
iaajah-7571	443	7	using	use	VERB
iaajah-7571	443	8	frontlinesms	frontlinesm	NOUN
iaajah-7571	443	9	—	—	PUNCT
iaajah-7571	443	10	a	a	DET
iaajah-7571	443	11	free	free	ADJ
iaajah-7571	443	12	,	,	PUNCT
iaajah-7571	443	13	open	open	ADJ
iaajah-7571	443	14	-	-	PUNCT
iaajah-7571	443	15	source	source	NOUN
iaajah-7571	443	16	bulk	bulk	NOUN
iaajah-7571	443	17	sms	sms	NOUN
iaajah-7571	443	18	platform	platform	NOUN
iaajah-7571	443	19	to	to	PART
iaajah-7571	443	20	reach	reach	VERB
iaajah-7571	443	21	members	member	NOUN
iaajah-7571	443	22	in	in	ADP
iaajah-7571	443	23	remote	remote	ADJ
iaajah-7571	443	24	villages	village	NOUN
iaajah-7571	443	25	.	.	PUNCT
iaajah-7571	444	1	2	2	X
iaajah-7571	444	2	.	.	X
iaajah-7571	444	3	interactive	interactive	ADJ
iaajah-7571	444	4	whatsapp	whatsapp	NOUN
iaajah-7571	444	5	groups	group	NOUN
iaajah-7571	444	6	by	by	ADP
iaajah-7571	444	7	zone	zone	NOUN
iaajah-7571	444	8	:	:	PUNCT
iaajah-7571	444	9	instead	instead	ADV
iaajah-7571	444	10	of	of	ADP
iaajah-7571	444	11	one	one	NUM
iaajah-7571	444	12	large	large	ADJ
iaajah-7571	444	13	group	group	NOUN
iaajah-7571	444	14	,	,	PUNCT
iaajah-7571	444	15	tfcu	tfcu	NOUN
iaajah-7571	444	16	created	create	VERB
iaajah-7571	444	17	zonal	zonal	ADJ
iaajah-7571	444	18	whatsapp	whatsapp	NOUN
iaajah-7571	444	19	groups	group	NOUN
iaajah-7571	444	20	(	(	PUNCT
iaajah-7571	444	21	e.g.	e.g.	ADV
iaajah-7571	444	22	,	,	PUNCT
iaajah-7571	444	23	gboko	gboko	NOUN
iaajah-7571	444	24	,	,	PUNCT
iaajah-7571	444	25	buruku	buruku	NOUN
iaajah-7571	444	26	,	,	PUNCT
iaajah-7571	444	27	and	and	CCONJ
iaajah-7571	444	28	katsina	katsina	PROPN
iaajah-7571	444	29	-	-	PUNCT
iaajah-7571	444	30	ala	ala	PROPN
iaajah-7571	444	31	)	)	PUNCT
iaajah-7571	444	32	to	to	PART
iaajah-7571	444	33	reduce	reduce	VERB
iaajah-7571	444	34	message	message	NOUN
iaajah-7571	444	35	overload	overload	NOUN
iaajah-7571	444	36	and	and	CCONJ
iaajah-7571	444	37	improve	improve	VERB
iaajah-7571	444	38	coordination	coordination	NOUN
iaajah-7571	444	39	within	within	ADP
iaajah-7571	444	40	each	each	DET
iaajah-7571	444	41	area	area	NOUN
iaajah-7571	444	42	.	.	PUNCT
iaajah-7571	445	1	zonal	zonal	ADJ
iaajah-7571	445	2	leaders	leader	NOUN
iaajah-7571	445	3	would	would	AUX
iaajah-7571	445	4	forward	forward	VERB
iaajah-7571	445	5	key	key	ADJ
iaajah-7571	445	6	summaries	summary	NOUN
iaajah-7571	445	7	from	from	ADP
iaajah-7571	445	8	central	central	ADJ
iaajah-7571	445	9	leadership	leadership	NOUN
iaajah-7571	445	10	to	to	ADP
iaajah-7571	445	11	their	their	PRON
iaajah-7571	445	12	groups	group	NOUN
iaajah-7571	445	13	,	,	PUNCT
iaajah-7571	445	14	enabling	enable	VERB
iaajah-7571	445	15	a	a	DET
iaajah-7571	445	16	decentralized	decentralize	VERB
iaajah-7571	445	17	but	but	CCONJ
iaajah-7571	445	18	synchronized	synchronize	VERB
iaajah-7571	445	19	communication	communication	NOUN
iaajah-7571	445	20	system	system	NOUN
iaajah-7571	445	21	.	.	PUNCT
iaajah-7571	446	1	3	3	X
iaajah-7571	446	2	.	.	X
iaajah-7571	446	3	mobile	mobile	ADJ
iaajah-7571	446	4	photography	photography	NOUN
iaajah-7571	446	5	for	for	ADP
iaajah-7571	446	6	field	field	NOUN
iaajah-7571	446	7	reports	report	NOUN
iaajah-7571	446	8	:	:	PUNCT
iaajah-7571	446	9	agricultural	agricultural	ADJ
iaajah-7571	446	10	extension	extension	NOUN
iaajah-7571	446	11	workers	worker	NOUN
iaajah-7571	446	12	within	within	ADP
iaajah-7571	446	13	the	the	DET
iaajah-7571	446	14	union	union	NOUN
iaajah-7571	446	15	began	begin	VERB
iaajah-7571	446	16	using	use	VERB
iaajah-7571	446	17	smartphones	smartphone	NOUN
iaajah-7571	446	18	to	to	PART
iaajah-7571	446	19	take	take	VERB
iaajah-7571	446	20	photos	photo	NOUN
iaajah-7571	446	21	of	of	ADP
iaajah-7571	446	22	crop	crop	NOUN
iaajah-7571	446	23	diseases	disease	NOUN
iaajah-7571	446	24	,	,	PUNCT
iaajah-7571	446	25	pest	pest	VERB
iaajah-7571	446	26	infestations	infestation	NOUN
iaajah-7571	446	27	,	,	PUNCT
iaajah-7571	446	28	and	and	CCONJ
iaajah-7571	446	29	flooding	flooding	NOUN
iaajah-7571	446	30	incidents	incident	NOUN
iaajah-7571	446	31	.	.	PUNCT
iaajah-7571	447	1	these	these	PRON
iaajah-7571	447	2	were	be	AUX
iaajah-7571	447	3	shared	share	VERB
iaajah-7571	447	4	via	via	ADP
iaajah-7571	447	5	whatsapp	whatsapp	NOUN
iaajah-7571	447	6	with	with	ADP
iaajah-7571	447	7	the	the	DET
iaajah-7571	447	8	union	union	NOUN
iaajah-7571	447	9	’s	’s	PART
iaajah-7571	447	10	technical	technical	ADJ
iaajah-7571	447	11	team	team	NOUN
iaajah-7571	447	12	and	and	CCONJ
iaajah-7571	447	13	,	,	PUNCT
iaajah-7571	447	14	in	in	ADP
iaajah-7571	447	15	some	some	DET
iaajah-7571	447	16	cases	case	NOUN
iaajah-7571	447	17	,	,	PUNCT
iaajah-7571	447	18	uploaded	upload	VERB
iaajah-7571	447	19	to	to	ADP
iaajah-7571	447	20	the	the	DET
iaajah-7571	447	21	nigeria	nigeria	PROPN
iaajah-7571	447	22	agro	agro	ADJ
iaajah-7571	447	23	-	-	PUNCT
iaajah-7571	447	24	extension	extension	NOUN
iaajah-7571	447	25	network	network	NOUN
iaajah-7571	447	26	(	(	PUNCT
iaajah-7571	447	27	naen	naen	PROPN
iaajah-7571	447	28	)	)	PUNCT
iaajah-7571	447	29	portal	portal	NOUN
iaajah-7571	447	30	for	for	ADP
iaajah-7571	447	31	expert	expert	NOUN
iaajah-7571	447	32	advice	advice	NOUN
iaajah-7571	447	33	.	.	PUNCT
iaajah-7571	448	1	impacts	impact	NOUN
iaajah-7571	448	2	:	:	PUNCT
iaajah-7571	448	3	•	•	NUM
iaajah-7571	448	4	timely	timely	ADJ
iaajah-7571	448	5	agricultural	agricultural	ADJ
iaajah-7571	448	6	support	support	NOUN
iaajah-7571	448	7	:	:	PUNCT
iaajah-7571	448	8	farmers	farmer	NOUN
iaajah-7571	448	9	received	receive	VERB
iaajah-7571	448	10	real	real	ADJ
iaajah-7571	448	11	-	-	PUNCT
iaajah-7571	448	12	time	time	NOUN
iaajah-7571	448	13	updates	update	NOUN
iaajah-7571	448	14	on	on	ADP
iaajah-7571	448	15	rainfall	rainfall	NOUN
iaajah-7571	448	16	patterns	pattern	NOUN
iaajah-7571	448	17	and	and	CCONJ
iaajah-7571	448	18	pest	pest	NOUN
iaajah-7571	448	19	alerts	alert	NOUN
iaajah-7571	448	20	,	,	PUNCT
iaajah-7571	448	21	helping	help	VERB
iaajah-7571	448	22	them	they	PRON
iaajah-7571	448	23	plan	plan	VERB
iaajah-7571	448	24	activities	activity	NOUN
iaajah-7571	448	25	better	well	ADV
iaajah-7571	448	26	.	.	PUNCT
iaajah-7571	449	1	•	•	NUM
iaajah-7571	449	2	decentralized	decentralize	VERB
iaajah-7571	449	3	coordination	coordination	NOUN
iaajah-7571	449	4	:	:	PUNCT
iaajah-7571	449	5	zonal	zonal	ADJ
iaajah-7571	449	6	whatsapp	whatsapp	NOUN
iaajah-7571	449	7	groups	group	NOUN
iaajah-7571	449	8	improved	improve	VERB
iaajah-7571	449	9	ownership	ownership	NOUN
iaajah-7571	449	10	at	at	ADP
iaajah-7571	449	11	the	the	DET
iaajah-7571	449	12	grassroots	grassroots	ADJ
iaajah-7571	449	13	level	level	NOUN
iaajah-7571	449	14	and	and	CCONJ
iaajah-7571	449	15	reduced	reduced	ADJ
iaajah-7571	449	16	delays	delay	NOUN
iaajah-7571	449	17	in	in	ADP
iaajah-7571	449	18	communication	communication	NOUN
iaajah-7571	449	19	.	.	PUNCT
iaajah-7571	450	1	•	•	NUM
iaajah-7571	450	2	evidence	evidence	NOUN
iaajah-7571	450	3	-	-	PUNCT
iaajah-7571	450	4	based	base	VERB
iaajah-7571	450	5	reporting	reporting	NOUN
iaajah-7571	450	6	:	:	PUNCT
iaajah-7571	450	7	photo	photo	NOUN
iaajah-7571	450	8	reports	report	NOUN
iaajah-7571	450	9	allowed	allow	VERB
iaajah-7571	450	10	the	the	DET
iaajah-7571	450	11	union	union	NOUN
iaajah-7571	450	12	to	to	PART
iaajah-7571	450	13	apply	apply	VERB
iaajah-7571	450	14	for	for	ADP
iaajah-7571	450	15	intervention	intervention	NOUN
iaajah-7571	450	16	support	support	NOUN
iaajah-7571	450	17	from	from	ADP
iaajah-7571	450	18	agricultural	agricultural	ADJ
iaajah-7571	450	19	agencies	agency	NOUN
iaajah-7571	450	20	and	and	CCONJ
iaajah-7571	450	21	ngos	ngo	NOUN
iaajah-7571	450	22	with	with	ADP
iaajah-7571	450	23	proof	proof	NOUN
iaajah-7571	450	24	of	of	ADP
iaajah-7571	450	25	need	need	NOUN
iaajah-7571	450	26	.	.	PUNCT
iaajah-7571	451	1	challenges	challenge	NOUN
iaajah-7571	451	2	:	:	PUNCT
iaajah-7571	451	3	•	•	NUM
iaajah-7571	451	4	limited	limit	VERB
iaajah-7571	451	5	smartphone	smartphone	NOUN
iaajah-7571	451	6	ownership	ownership	NOUN
iaajah-7571	451	7	among	among	ADP
iaajah-7571	451	8	older	old	ADJ
iaajah-7571	451	9	farmers	farmer	NOUN
iaajah-7571	451	10	,	,	PUNCT
iaajah-7571	451	11	requiring	require	VERB
iaajah-7571	451	12	reliance	reliance	NOUN
iaajah-7571	451	13	on	on	ADP
iaajah-7571	451	14	zonal	zonal	ADJ
iaajah-7571	451	15	leaders	leader	NOUN
iaajah-7571	451	16	or	or	CCONJ
iaajah-7571	451	17	youth	youth	NOUN
iaajah-7571	451	18	.	.	PUNCT
iaajah-7571	452	1	•	•	NUM
iaajah-7571	452	2	dependence	dependence	NOUN
iaajah-7571	452	3	on	on	ADP
iaajah-7571	452	4	local	local	ADJ
iaajah-7571	452	5	radio	radio	NOUN
iaajah-7571	452	6	meant	mean	VERB
iaajah-7571	452	7	updates	update	NOUN
iaajah-7571	452	8	were	be	AUX
iaajah-7571	452	9	subject	subject	ADJ
iaajah-7571	452	10	to	to	ADP
iaajah-7571	452	11	airtime	airtime	NOUN
iaajah-7571	452	12	availability	availability	NOUN
iaajah-7571	452	13	and	and	CCONJ
iaajah-7571	452	14	sponsorship	sponsorship	NOUN
iaajah-7571	452	15	costs	cost	NOUN
iaajah-7571	452	16	.	.	PUNCT
iaajah-7571	453	1	•	•	NUM
iaajah-7571	453	2	extension	extension	NOUN
iaajah-7571	453	3	officers	officer	NOUN
iaajah-7571	453	4	needed	need	VERB
iaajah-7571	453	5	support	support	NOUN
iaajah-7571	453	6	for	for	ADP
iaajah-7571	453	7	device	device	NOUN
iaajah-7571	453	8	maintenance	maintenance	NOUN
iaajah-7571	453	9	and	and	CCONJ
iaajah-7571	453	10	data	datum	NOUN
iaajah-7571	453	11	purchase	purchase	NOUN
iaajah-7571	453	12	.	.	PUNCT
iaajah-7571	454	1	mitigation	mitigation	NOUN
iaajah-7571	454	2	and	and	CCONJ
iaajah-7571	454	3	innovation	innovation	NOUN
iaajah-7571	454	4	:	:	PUNCT
iaajah-7571	454	5	•	•	NUM
iaajah-7571	454	6	younger	young	ADJ
iaajah-7571	454	7	cooperative	cooperative	ADJ
iaajah-7571	454	8	members	member	NOUN
iaajah-7571	454	9	were	be	AUX
iaajah-7571	454	10	assigned	assign	VERB
iaajah-7571	454	11	as	as	ADP
iaajah-7571	454	12	"	"	PUNCT
iaajah-7571	454	13	digital	digital	ADJ
iaajah-7571	454	14	liaisons	liaison	NOUN
iaajah-7571	454	15	"	"	PUNCT
iaajah-7571	454	16	to	to	PART
iaajah-7571	454	17	assist	assist	VERB
iaajah-7571	454	18	less	less	ADJ
iaajah-7571	454	19	tech	tech	NOUN
iaajah-7571	454	20	-	-	PUNCT
iaajah-7571	454	21	savvy	savvy	ADJ
iaajah-7571	454	22	elders	elder	NOUN
iaajah-7571	454	23	.	.	PUNCT
iaajah-7571	455	1	igwebuike	igwebuike	PROPN
iaajah-7571	455	2	:	:	PUNCT
iaajah-7571	455	3	an	an	DET
iaajah-7571	455	4	african	african	ADJ
iaajah-7571	455	5	journal	journal	NOUN
iaajah-7571	455	6	of	of	ADP
iaajah-7571	455	7	arts	art	NOUN
iaajah-7571	455	8	and	and	CCONJ
iaajah-7571	455	9	humanities	humanity	NOUN
iaajah-7571	455	10	vol	vol	NOUN
iaajah-7571	455	11	.	.	PUNCT
iaajah-7571	456	1	11	11	NUM
iaajah-7571	456	2	.	.	PUNCT
iaajah-7571	457	1	no	no	INTJ
iaajah-7571	457	2	.	.	NOUN
iaajah-7571	457	3	7	7	NUM
iaajah-7571	457	4	,	,	PUNCT
iaajah-7571	457	5	(	(	PUNCT
iaajah-7571	457	6	2025	2025	NUM
iaajah-7571	457	7	)	)	PUNCT
iaajah-7571	457	8	issn	issn	PROPN
iaajah-7571	457	9	:	:	PUNCT
iaajah-7571	457	10	24889210	24889210	NUM
iaajah-7571	457	11	(	(	PUNCT
iaajah-7571	457	12	print	print	NOUN
iaajah-7571	457	13	)	)	PUNCT
iaajah-7571	457	14	2504	2504	NUM
iaajah-7571	457	15	-	-	SYM
iaajah-7571	457	16	9038	9038	NUM
iaajah-7571	457	17	(	(	PUNCT
iaajah-7571	457	18	online	online	NOUN
iaajah-7571	457	19	)	)	PUNCT
iaajah-7571	457	20	dept	dept	NOUN
iaajah-7571	457	21	.	.	PROPN
iaajah-7571	458	1	of	of	ADP
iaajah-7571	458	2	philosophy	philosophy	NOUN
iaajah-7571	458	3	and	and	CCONJ
iaajah-7571	458	4	religious	religious	ADJ
iaajah-7571	458	5	studies	study	NOUN
iaajah-7571	458	6	,	,	PUNCT
iaajah-7571	458	7	tansian	tansian	PROPN
iaajah-7571	458	8	university	university	PROPN
iaajah-7571	458	9	umunya	umunya	PROPN
iaajah-7571	458	10	indexed	indexed	PROPN
iaajah-7571	458	11	:	:	PUNCT
iaajah-7571	458	12	academic	academic	ADJ
iaajah-7571	458	13	journals	journal	NOUN
iaajah-7571	458	14	online	online	ADV
iaajah-7571	458	15	,	,	PUNCT
iaajah-7571	458	16	google	google	PROPN
iaajah-7571	458	17	scholar	scholar	NOUN
iaajah-7571	458	18	,	,	PUNCT
iaajah-7571	458	19	igwebuike	igwebuike	PROPN
iaajah-7571	458	20	research	research	NOUN
iaajah-7571	458	21	institute	institute	NOUN
iaajah-7571	458	22	83	83	NUM
iaajah-7571	458	23	•	•	NOUN
iaajah-7571	459	1	the	the	DET
iaajah-7571	459	2	cooperative	cooperative	NOUN
iaajah-7571	459	3	allocated	allocate	VERB
iaajah-7571	459	4	part	part	NOUN
iaajah-7571	459	5	of	of	ADP
iaajah-7571	459	6	its	its	PRON
iaajah-7571	459	7	annual	annual	ADJ
iaajah-7571	459	8	surplus	surplus	NOUN
iaajah-7571	459	9	to	to	PART
iaajah-7571	459	10	fund	fund	VERB
iaajah-7571	459	11	airtime	airtime	NOUN
iaajah-7571	459	12	and	and	CCONJ
iaajah-7571	459	13	bulk	bulk	NOUN
iaajah-7571	459	14	sms	sms	NOUN
iaajah-7571	459	15	services	service	NOUN
iaajah-7571	459	16	.	.	PUNCT
iaajah-7571	460	1	•	•	ADV
iaajah-7571	460	2	they	they	PRON
iaajah-7571	460	3	began	begin	VERB
iaajah-7571	460	4	exploring	explore	VERB
iaajah-7571	460	5	voice	voice	NOUN
iaajah-7571	460	6	assistant	assistant	NOUN
iaajah-7571	460	7	apps	app	NOUN
iaajah-7571	460	8	(	(	PUNCT
iaajah-7571	460	9	like	like	ADP
iaajah-7571	460	10	viamo	viamo	NOUN
iaajah-7571	460	11	’s	’s	PART
iaajah-7571	460	12	321	321	NUM
iaajah-7571	460	13	service	service	NOUN
iaajah-7571	460	14	)	)	PUNCT
iaajah-7571	460	15	for	for	ADP
iaajah-7571	460	16	agricultural	agricultural	ADJ
iaajah-7571	460	17	tips	tip	NOUN
iaajah-7571	460	18	in	in	ADP
iaajah-7571	460	19	tiv	tiv	PROPN
iaajah-7571	460	20	language	language	NOUN
iaajah-7571	460	21	.	.	PUNCT
iaajah-7571	461	1	key	key	ADJ
iaajah-7571	461	2	lesson	lesson	NOUN
iaajah-7571	461	3	:	:	PUNCT
iaajah-7571	461	4	in	in	ADP
iaajah-7571	461	5	agriculture	agriculture	NOUN
iaajah-7571	461	6	-	-	PUNCT
iaajah-7571	461	7	focused	focus	VERB
iaajah-7571	461	8	cooperatives	cooperative	NOUN
iaajah-7571	461	9	,	,	PUNCT
iaajah-7571	461	10	combining	combine	VERB
iaajah-7571	461	11	traditional	traditional	ADJ
iaajah-7571	461	12	tools	tool	NOUN
iaajah-7571	461	13	like	like	ADP
iaajah-7571	461	14	radio	radio	NOUN
iaajah-7571	461	15	with	with	ADP
iaajah-7571	461	16	mobile	mobile	NOUN
iaajah-7571	461	17	-	-	PUNCT
iaajah-7571	461	18	based	base	VERB
iaajah-7571	461	19	platforms	platform	NOUN
iaajah-7571	461	20	allows	allow	VERB
iaajah-7571	461	21	for	for	ADP
iaajah-7571	461	22	wide	wide	ADJ
iaajah-7571	461	23	coverage	coverage	NOUN
iaajah-7571	461	24	and	and	CCONJ
iaajah-7571	461	25	relevance	relevance	NOUN
iaajah-7571	461	26	.	.	PUNCT
iaajah-7571	462	1	decentralized	decentralize	VERB
iaajah-7571	462	2	communication	communication	NOUN
iaajah-7571	462	3	structures	structure	NOUN
iaajah-7571	462	4	empower	empower	VERB
iaajah-7571	462	5	local	local	ADJ
iaajah-7571	462	6	leadership	leadership	NOUN
iaajah-7571	462	7	and	and	CCONJ
iaajah-7571	462	8	improve	improve	VERB
iaajah-7571	462	9	responsiveness	responsiveness	NOUN
iaajah-7571	462	10	to	to	ADP
iaajah-7571	462	11	urgent	urgent	ADJ
iaajah-7571	462	12	needs	need	NOUN
iaajah-7571	462	13	.	.	PUNCT
iaajah-7571	463	1	final	final	ADJ
iaajah-7571	463	2	thoughts	thought	NOUN
iaajah-7571	463	3	on	on	ADP
iaajah-7571	463	4	case	case	NOUN
iaajah-7571	463	5	studies	study	NOUN
iaajah-7571	463	6	these	these	DET
iaajah-7571	463	7	four	four	NUM
iaajah-7571	463	8	cases	case	NOUN
iaajah-7571	463	9	ranging	range	VERB
iaajah-7571	463	10	from	from	ADP
iaajah-7571	463	11	women	woman	NOUN
iaajah-7571	463	12	’s	’s	PART
iaajah-7571	463	13	cooperatives	cooperative	NOUN
iaajah-7571	463	14	in	in	ADP
iaajah-7571	463	15	enugu	enugu	PROPN
iaajah-7571	463	16	to	to	ADP
iaajah-7571	463	17	youth	youth	NOUN
iaajah-7571	463	18	-	-	PUNCT
iaajah-7571	463	19	led	lead	VERB
iaajah-7571	463	20	cooperatives	cooperative	NOUN
iaajah-7571	463	21	in	in	ADP
iaajah-7571	463	22	kano	kano	PROPN
iaajah-7571	463	23	,	,	PUNCT
iaajah-7571	463	24	to	to	ADP
iaajah-7571	463	25	large	large	ADJ
iaajah-7571	463	26	agricultural	agricultural	ADJ
iaajah-7571	463	27	groups	group	NOUN
iaajah-7571	463	28	in	in	ADP
iaajah-7571	463	29	benue	benue	NOUN
iaajah-7571	463	30	illustrate	illustrate	VERB
iaajah-7571	463	31	the	the	DET
iaajah-7571	463	32	diversity	diversity	NOUN
iaajah-7571	463	33	and	and	CCONJ
iaajah-7571	463	34	adaptability	adaptability	NOUN
iaajah-7571	463	35	of	of	ADP
iaajah-7571	463	36	ict	ict	NOUN
iaajah-7571	463	37	integration	integration	NOUN
iaajah-7571	463	38	in	in	ADP
iaajah-7571	463	39	nigerian	nigerian	ADJ
iaajah-7571	463	40	cooperatives	cooperative	NOUN
iaajah-7571	463	41	.	.	PUNCT
iaajah-7571	464	1	each	each	DET
iaajah-7571	464	2	cooperative	cooperative	NOUN
iaajah-7571	464	3	has	have	AUX
iaajah-7571	464	4	tailored	tailor	VERB
iaajah-7571	464	5	ict	ict	NOUN
iaajah-7571	464	6	tools	tool	NOUN
iaajah-7571	464	7	to	to	ADP
iaajah-7571	464	8	its	its	PRON
iaajah-7571	464	9	membership	membership	NOUN
iaajah-7571	464	10	base	base	NOUN
iaajah-7571	464	11	,	,	PUNCT
iaajah-7571	464	12	literacy	literacy	NOUN
iaajah-7571	464	13	levels	level	NOUN
iaajah-7571	464	14	,	,	PUNCT
iaajah-7571	464	15	and	and	CCONJ
iaajah-7571	464	16	communication	communication	NOUN
iaajah-7571	464	17	needs	need	NOUN
iaajah-7571	464	18	,	,	PUNCT
iaajah-7571	464	19	revealing	reveal	VERB
iaajah-7571	464	20	that	that	SCONJ
iaajah-7571	464	21	there	there	PRON
iaajah-7571	464	22	is	be	VERB
iaajah-7571	464	23	no	no	DET
iaajah-7571	464	24	one	one	NUM
iaajah-7571	464	25	-	-	PUNCT
iaajah-7571	464	26	size	size	NOUN
iaajah-7571	464	27	-	-	PUNCT
iaajah-7571	464	28	fits	fit	VERB
iaajah-7571	464	29	-	-	PUNCT
iaajah-7571	464	30	all	all	DET
iaajah-7571	464	31	approach	approach	NOUN
iaajah-7571	464	32	.	.	PUNCT
iaajah-7571	465	1	however	however	ADV
iaajah-7571	465	2	,	,	PUNCT
iaajah-7571	465	3	common	common	ADJ
iaajah-7571	465	4	success	success	NOUN
iaajah-7571	465	5	factors	factor	NOUN
iaajah-7571	465	6	across	across	ADP
iaajah-7571	465	7	the	the	DET
iaajah-7571	465	8	cases	case	NOUN
iaajah-7571	465	9	include	include	VERB
iaajah-7571	465	10	:	:	PUNCT
iaajah-7571	465	11	•	•	NUM
iaajah-7571	465	12	strong	strong	ADJ
iaajah-7571	465	13	leadership	leadership	NOUN
iaajah-7571	465	14	with	with	ADP
iaajah-7571	465	15	digital	digital	ADJ
iaajah-7571	465	16	vision	vision	NOUN
iaajah-7571	465	17	•	•	PRON
iaajah-7571	465	18	youth	youth	NOUN
iaajah-7571	465	19	involvement	involvement	NOUN
iaajah-7571	465	20	in	in	ADP
iaajah-7571	465	21	ict	ict	PROPN
iaajah-7571	465	22	facilitation	facilitation	NOUN
iaajah-7571	465	23	•	•	ADP
iaajah-7571	465	24	context	context	NOUN
iaajah-7571	465	25	-	-	PUNCT
iaajah-7571	465	26	sensitive	sensitive	ADJ
iaajah-7571	465	27	use	use	NOUN
iaajah-7571	465	28	of	of	ADP
iaajah-7571	465	29	tools	tool	NOUN
iaajah-7571	465	30	(	(	PUNCT
iaajah-7571	465	31	e.g.	e.g.	ADV
iaajah-7571	465	32	,	,	PUNCT
iaajah-7571	465	33	voice	voice	NOUN
iaajah-7571	465	34	over	over	ADP
iaajah-7571	465	35	text	text	NOUN
iaajah-7571	465	36	,	,	PUNCT
iaajah-7571	465	37	group	group	NOUN
iaajah-7571	465	38	segmentation	segmentation	NOUN
iaajah-7571	465	39	)	)	PUNCT
iaajah-7571	465	40	•	•	ADP
iaajah-7571	465	41	partnerships	partnership	NOUN
iaajah-7571	465	42	with	with	ADP
iaajah-7571	465	43	local	local	ADJ
iaajah-7571	465	44	tech	tech	NOUN
iaajah-7571	465	45	actors	actor	NOUN
iaajah-7571	465	46	or	or	CCONJ
iaajah-7571	465	47	ngos	ngo	NOUN
iaajah-7571	465	48	these	these	DET
iaajah-7571	465	49	case	case	NOUN
iaajah-7571	465	50	studies	study	NOUN
iaajah-7571	465	51	underscore	underscore	VERB
iaajah-7571	465	52	that	that	SCONJ
iaajah-7571	465	53	the	the	DET
iaajah-7571	465	54	future	future	NOUN
iaajah-7571	465	55	of	of	ADP
iaajah-7571	465	56	cooperative	cooperative	ADJ
iaajah-7571	465	57	communication	communication	NOUN
iaajah-7571	465	58	in	in	ADP
iaajah-7571	465	59	nigeria	nigeria	PROPN
iaajah-7571	465	60	is	be	AUX
iaajah-7571	465	61	hybrid	hybrid	ADJ
iaajah-7571	465	62	blending	blend	VERB
iaajah-7571	465	63	mobile	mobile	ADJ
iaajah-7571	465	64	technology	technology	NOUN
iaajah-7571	465	65	,	,	PUNCT
iaajah-7571	465	66	traditional	traditional	ADJ
iaajah-7571	465	67	media	medium	NOUN
iaajah-7571	465	68	,	,	PUNCT
iaajah-7571	465	69	and	and	CCONJ
iaajah-7571	465	70	localized	localized	ADJ
iaajah-7571	465	71	human	human	ADJ
iaajah-7571	465	72	facilitation	facilitation	NOUN
iaajah-7571	465	73	for	for	ADP
iaajah-7571	465	74	inclusive	inclusive	ADJ
iaajah-7571	465	75	and	and	CCONJ
iaajah-7571	465	76	sustainable	sustainable	ADJ
iaajah-7571	465	77	engagement	engagement	NOUN
iaajah-7571	465	78	.	.	PUNCT
iaajah-7571	466	1	8	8	X
iaajah-7571	466	2	.	.	PUNCT
iaajah-7571	466	3	recommendations	recommendation	NOUN
iaajah-7571	466	4	for	for	ADP
iaajah-7571	466	5	strengthening	strengthen	VERB
iaajah-7571	466	6	ict	ict	NOUN
iaajah-7571	466	7	adoption	adoption	NOUN
iaajah-7571	466	8	in	in	ADP
iaajah-7571	466	9	cooperatives	cooperative	NOUN
iaajah-7571	466	10	in	in	ADP
iaajah-7571	466	11	light	light	NOUN
iaajah-7571	466	12	of	of	ADP
iaajah-7571	466	13	the	the	DET
iaajah-7571	466	14	benefits	benefit	NOUN
iaajah-7571	466	15	and	and	CCONJ
iaajah-7571	466	16	challenges	challenge	NOUN
iaajah-7571	466	17	identified	identify	VERB
iaajah-7571	467	1	,	,	PUNCT
iaajah-7571	467	2	it	it	PRON
iaajah-7571	467	3	is	be	AUX
iaajah-7571	467	4	clear	clear	ADJ
iaajah-7571	467	5	that	that	SCONJ
iaajah-7571	467	6	a	a	DET
iaajah-7571	467	7	strategic	strategic	ADJ
iaajah-7571	467	8	and	and	CCONJ
iaajah-7571	467	9	inclusive	inclusive	ADJ
iaajah-7571	467	10	approach	approach	NOUN
iaajah-7571	467	11	is	be	AUX
iaajah-7571	467	12	needed	need	VERB
iaajah-7571	467	13	to	to	PART
iaajah-7571	467	14	foster	foster	VERB
iaajah-7571	467	15	effective	effective	ADJ
iaajah-7571	467	16	ict	ict	NOUN
iaajah-7571	467	17	adoption	adoption	NOUN
iaajah-7571	467	18	in	in	ADP
iaajah-7571	467	19	nigerian	nigerian	ADJ
iaajah-7571	467	20	cooperative	cooperative	ADJ
iaajah-7571	467	21	societies	society	NOUN
iaajah-7571	467	22	.	.	PUNCT
iaajah-7571	468	1	these	these	DET
iaajah-7571	468	2	recommendations	recommendation	NOUN
iaajah-7571	468	3	focus	focus	VERB
iaajah-7571	468	4	on	on	ADP
iaajah-7571	468	5	capacity	capacity	NOUN
iaajah-7571	468	6	-	-	PUNCT
iaajah-7571	468	7	building	building	NOUN
iaajah-7571	468	8	,	,	PUNCT
iaajah-7571	468	9	infrastructure	infrastructure	NOUN
iaajah-7571	468	10	development	development	NOUN
iaajah-7571	468	11	,	,	PUNCT
iaajah-7571	468	12	policy	policy	NOUN
iaajah-7571	468	13	advocacy	advocacy	NOUN
iaajah-7571	468	14	,	,	PUNCT
iaajah-7571	468	15	and	and	CCONJ
iaajah-7571	468	16	stakeholder	stakeholder	NOUN
iaajah-7571	468	17	collaboration	collaboration	NOUN
iaajah-7571	468	18	to	to	PART
iaajah-7571	468	19	ensure	ensure	VERB
iaajah-7571	468	20	sustainable	sustainable	ADJ
iaajah-7571	468	21	digital	digital	ADJ
iaajah-7571	468	22	integration	integration	NOUN
iaajah-7571	468	23	and	and	CCONJ
iaajah-7571	468	24	enhanced	enhance	VERB
iaajah-7571	468	25	internal	internal	ADJ
iaajah-7571	468	26	communication	communication	NOUN
iaajah-7571	468	27	within	within	ADP
iaajah-7571	468	28	the	the	DET
iaajah-7571	468	29	cooperative	cooperative	ADJ
iaajah-7571	468	30	movement	movement	NOUN
iaajah-7571	468	31	.	.	PUNCT
iaajah-7571	469	1	launch	launch	NOUN
iaajah-7571	469	2	cooperative	cooperative	ADJ
iaajah-7571	469	3	-	-	PUNCT
iaajah-7571	469	4	specific	specific	ADJ
iaajah-7571	469	5	digital	digital	ADJ
iaajah-7571	469	6	literacy	literacy	NOUN
iaajah-7571	469	7	programs	program	NOUN
iaajah-7571	469	8	to	to	PART
iaajah-7571	469	9	bridge	bridge	VERB
iaajah-7571	469	10	the	the	DET
iaajah-7571	469	11	digital	digital	ADJ
iaajah-7571	469	12	skills	skill	NOUN
iaajah-7571	469	13	gap	gap	NOUN
iaajah-7571	469	14	,	,	PUNCT
iaajah-7571	469	15	it	it	PRON
iaajah-7571	469	16	is	be	AUX
iaajah-7571	469	17	critical	critical	ADJ
iaajah-7571	469	18	to	to	PART
iaajah-7571	469	19	initiate	initiate	VERB
iaajah-7571	469	20	targeted	target	VERB
iaajah-7571	469	21	digital	digital	ADJ
iaajah-7571	469	22	literacy	literacy	NOUN
iaajah-7571	469	23	training	training	NOUN
iaajah-7571	469	24	for	for	ADP
iaajah-7571	469	25	both	both	DET
iaajah-7571	469	26	cooperative	cooperative	ADJ
iaajah-7571	469	27	members	member	NOUN
iaajah-7571	469	28	and	and	CCONJ
iaajah-7571	469	29	leaders	leader	NOUN
iaajah-7571	469	30	.	.	PUNCT
iaajah-7571	470	1	such	such	ADJ
iaajah-7571	470	2	programs	program	NOUN
iaajah-7571	470	3	should	should	AUX
iaajah-7571	470	4	cover	cover	VERB
iaajah-7571	470	5	the	the	DET
iaajah-7571	470	6	basics	basic	NOUN
iaajah-7571	470	7	of	of	ADP
iaajah-7571	470	8	mobile	mobile	ADJ
iaajah-7571	470	9	phone	phone	NOUN
iaajah-7571	470	10	usage	usage	NOUN
iaajah-7571	470	11	,	,	PUNCT
iaajah-7571	470	12	social	social	ADJ
iaajah-7571	470	13	media	medium	NOUN
iaajah-7571	470	14	management	management	NOUN
iaajah-7571	470	15	,	,	PUNCT
iaajah-7571	470	16	email	email	NOUN
iaajah-7571	470	17	communication	communication	NOUN
iaajah-7571	470	18	,	,	PUNCT
iaajah-7571	470	19	online	online	ADJ
iaajah-7571	470	20	meeting	meeting	NOUN
iaajah-7571	470	21	platforms	platform	NOUN
iaajah-7571	470	22	,	,	PUNCT
iaajah-7571	470	23	and	and	CCONJ
iaajah-7571	470	24	digital	digital	ADJ
iaajah-7571	470	25	finance	finance	NOUN
iaajah-7571	470	26	.	.	PUNCT
iaajah-7571	471	1	importantly	importantly	ADV
iaajah-7571	471	2	,	,	PUNCT
iaajah-7571	471	3	they	they	PRON
iaajah-7571	471	4	must	must	AUX
iaajah-7571	471	5	be	be	AUX
iaajah-7571	471	6	tailored	tailor	VERB
iaajah-7571	471	7	to	to	ADP
iaajah-7571	471	8	different	different	ADJ
iaajah-7571	471	9	literacy	literacy	NOUN
iaajah-7571	471	10	levels	level	NOUN
iaajah-7571	471	11	and	and	CCONJ
iaajah-7571	471	12	delivered	deliver	VERB
iaajah-7571	471	13	in	in	ADP
iaajah-7571	471	14	both	both	CCONJ
iaajah-7571	471	15	english	english	ADJ
iaajah-7571	471	16	and	and	CCONJ
iaajah-7571	471	17	local	local	ADJ
iaajah-7571	471	18	languages	language	NOUN
iaajah-7571	471	19	.	.	PUNCT
iaajah-7571	472	1	igwebuike	igwebuike	NOUN
iaajah-7571	472	2	:	:	PUNCT
iaajah-7571	472	3	an	an	DET
iaajah-7571	472	4	african	african	ADJ
iaajah-7571	472	5	journal	journal	NOUN
iaajah-7571	472	6	of	of	ADP
iaajah-7571	472	7	arts	art	NOUN
iaajah-7571	472	8	and	and	CCONJ
iaajah-7571	472	9	humanities	humanity	NOUN
iaajah-7571	472	10	vol	vol	NOUN
iaajah-7571	472	11	.	.	PUNCT
iaajah-7571	473	1	11	11	NUM
iaajah-7571	473	2	.	.	PUNCT
iaajah-7571	474	1	no	no	INTJ
iaajah-7571	474	2	.	.	NOUN
iaajah-7571	474	3	7	7	NUM
iaajah-7571	474	4	,	,	PUNCT
iaajah-7571	474	5	(	(	PUNCT
iaajah-7571	474	6	2025	2025	NUM
iaajah-7571	474	7	)	)	PUNCT
iaajah-7571	474	8	issn	issn	PROPN
iaajah-7571	474	9	:	:	PUNCT
iaajah-7571	474	10	24889210	24889210	NUM
iaajah-7571	474	11	(	(	PUNCT
iaajah-7571	474	12	print	print	NOUN
iaajah-7571	474	13	)	)	PUNCT
iaajah-7571	474	14	2504	2504	NUM
iaajah-7571	474	15	-	-	SYM
iaajah-7571	474	16	9038	9038	NUM
iaajah-7571	474	17	(	(	PUNCT
iaajah-7571	474	18	online	online	NOUN
iaajah-7571	474	19	)	)	PUNCT
iaajah-7571	474	20	dept	dept	NOUN
iaajah-7571	474	21	.	.	PROPN
iaajah-7571	475	1	of	of	ADP
iaajah-7571	475	2	philosophy	philosophy	NOUN
iaajah-7571	475	3	and	and	CCONJ
iaajah-7571	475	4	religious	religious	ADJ
iaajah-7571	475	5	studies	study	NOUN
iaajah-7571	475	6	,	,	PUNCT
iaajah-7571	475	7	tansian	tansian	PROPN
iaajah-7571	475	8	university	university	PROPN
iaajah-7571	475	9	umunya	umunya	PROPN
iaajah-7571	475	10	indexed	indexed	PROPN
iaajah-7571	475	11	:	:	PUNCT
iaajah-7571	475	12	academic	academic	ADJ
iaajah-7571	475	13	journals	journal	NOUN
iaajah-7571	475	14	online	online	ADV
iaajah-7571	475	15	,	,	PUNCT
iaajah-7571	475	16	google	google	PROPN
iaajah-7571	475	17	scholar	scholar	NOUN
iaajah-7571	475	18	,	,	PUNCT
iaajah-7571	475	19	igwebuike	igwebuike	PROPN
iaajah-7571	475	20	research	research	PROPN
iaajah-7571	475	21	institute	institute	PROPN
iaajah-7571	475	22	84	84	NUM
iaajah-7571	475	23	training	training	NOUN
iaajah-7571	475	24	could	could	AUX
iaajah-7571	475	25	be	be	AUX
iaajah-7571	475	26	facilitated	facilitate	VERB
iaajah-7571	475	27	through	through	ADP
iaajah-7571	475	28	partnerships	partnership	NOUN
iaajah-7571	475	29	between	between	ADP
iaajah-7571	475	30	:	:	PUNCT
iaajah-7571	475	31	•	•	NUM
iaajah-7571	475	32	state	state	NOUN
iaajah-7571	475	33	cooperative	cooperative	ADJ
iaajah-7571	475	34	departments	department	NOUN
iaajah-7571	475	35	•	•	ADP
iaajah-7571	475	36	local	local	ADJ
iaajah-7571	475	37	government	government	NOUN
iaajah-7571	475	38	authorities	authority	NOUN
iaajah-7571	475	39	•	•	ADV
iaajah-7571	475	40	ngos	ngos	PROPN
iaajah-7571	475	41	working	work	VERB
iaajah-7571	475	42	on	on	ADP
iaajah-7571	475	43	rural	rural	ADJ
iaajah-7571	475	44	development	development	NOUN
iaajah-7571	475	45	and	and	CCONJ
iaajah-7571	475	46	financial	financial	ADJ
iaajah-7571	475	47	inclusion	inclusion	NOUN
iaajah-7571	475	48	•	•	NOUN
iaajah-7571	475	49	technology	technology	NOUN
iaajah-7571	475	50	firms	firm	NOUN
iaajah-7571	475	51	offering	offer	VERB
iaajah-7571	475	52	corporate	corporate	ADJ
iaajah-7571	475	53	social	social	ADJ
iaajah-7571	475	54	responsibility	responsibility	NOUN
iaajah-7571	475	55	(	(	PUNCT
iaajah-7571	475	56	csr	csr	NOUN
iaajah-7571	475	57	)	)	PUNCT
iaajah-7571	475	58	programs	program	NOUN
iaajah-7571	475	59	workshops	workshop	NOUN
iaajah-7571	475	60	should	should	AUX
iaajah-7571	475	61	be	be	AUX
iaajah-7571	475	62	hands	hand	NOUN
iaajah-7571	475	63	-	-	PUNCT
iaajah-7571	475	64	on	on	ADP
iaajah-7571	475	65	,	,	PUNCT
iaajah-7571	475	66	interactive	interactive	ADJ
iaajah-7571	475	67	,	,	PUNCT
iaajah-7571	475	68	and	and	CCONJ
iaajah-7571	475	69	community	community	NOUN
iaajah-7571	475	70	-	-	PUNCT
iaajah-7571	475	71	based	base	VERB
iaajah-7571	475	72	.	.	PUNCT
iaajah-7571	476	1	training	train	VERB
iaajah-7571	476	2	younger	young	ADJ
iaajah-7571	476	3	members	member	NOUN
iaajah-7571	476	4	as	as	ADP
iaajah-7571	476	5	digital	digital	ADJ
iaajah-7571	476	6	champions	champion	NOUN
iaajah-7571	476	7	can	can	AUX
iaajah-7571	476	8	also	also	ADV
iaajah-7571	476	9	promote	promote	VERB
iaajah-7571	476	10	peer	peer	NOUN
iaajah-7571	476	11	-	-	PUNCT
iaajah-7571	476	12	to	to	ADP
iaajah-7571	476	13	-	-	PUNCT
iaajah-7571	476	14	peer	peer	NOUN
iaajah-7571	476	15	learning	learning	NOUN
iaajah-7571	476	16	and	and	CCONJ
iaajah-7571	476	17	long	long	ADJ
iaajah-7571	476	18	-	-	PUNCT
iaajah-7571	476	19	term	term	NOUN
iaajah-7571	476	20	sustainability	sustainability	NOUN
iaajah-7571	476	21	.	.	PUNCT
iaajah-7571	477	1	improve	improve	VERB
iaajah-7571	477	2	rural	rural	ADJ
iaajah-7571	477	3	ict	ict	NOUN
iaajah-7571	477	4	infrastructure	infrastructure	NOUN
iaajah-7571	477	5	to	to	PART
iaajah-7571	477	6	address	address	VERB
iaajah-7571	477	7	the	the	DET
iaajah-7571	477	8	infrastructural	infrastructural	ADJ
iaajah-7571	477	9	divide	divide	NOUN
iaajah-7571	477	10	,	,	PUNCT
iaajah-7571	477	11	the	the	DET
iaajah-7571	477	12	federal	federal	ADJ
iaajah-7571	477	13	and	and	CCONJ
iaajah-7571	477	14	state	state	NOUN
iaajah-7571	477	15	governments	government	NOUN
iaajah-7571	477	16	must	must	AUX
iaajah-7571	477	17	invest	invest	VERB
iaajah-7571	477	18	in	in	ADP
iaajah-7571	477	19	expanding	expand	VERB
iaajah-7571	477	20	rural	rural	ADJ
iaajah-7571	477	21	broadband	broadband	NOUN
iaajah-7571	477	22	access	access	NOUN
iaajah-7571	477	23	,	,	PUNCT
iaajah-7571	477	24	improving	improve	VERB
iaajah-7571	477	25	network	network	NOUN
iaajah-7571	477	26	coverage	coverage	NOUN
iaajah-7571	477	27	,	,	PUNCT
iaajah-7571	477	28	and	and	CCONJ
iaajah-7571	477	29	supporting	support	VERB
iaajah-7571	477	30	off	off	ADP
iaajah-7571	477	31	-	-	PUNCT
iaajah-7571	477	32	grid	grid	NOUN
iaajah-7571	477	33	energy	energy	NOUN
iaajah-7571	477	34	solutions	solution	NOUN
iaajah-7571	477	35	such	such	ADJ
iaajah-7571	477	36	as	as	ADP
iaajah-7571	477	37	solar	solar	NOUN
iaajah-7571	477	38	-	-	PUNCT
iaajah-7571	477	39	powered	power	VERB
iaajah-7571	477	40	digital	digital	ADJ
iaajah-7571	477	41	centers	center	NOUN
iaajah-7571	477	42	.	.	PUNCT
iaajah-7571	478	1	public	public	ADJ
iaajah-7571	478	2	-	-	PUNCT
iaajah-7571	478	3	private	private	ADJ
iaajah-7571	478	4	partnerships	partnership	NOUN
iaajah-7571	478	5	(	(	PUNCT
iaajah-7571	478	6	ppps	ppps	PROPN
iaajah-7571	478	7	)	)	PUNCT
iaajah-7571	478	8	can	can	AUX
iaajah-7571	478	9	play	play	VERB
iaajah-7571	478	10	a	a	DET
iaajah-7571	478	11	vital	vital	ADJ
iaajah-7571	478	12	role	role	NOUN
iaajah-7571	478	13	in	in	ADP
iaajah-7571	478	14	reducing	reduce	VERB
iaajah-7571	478	15	the	the	DET
iaajah-7571	478	16	cost	cost	NOUN
iaajah-7571	478	17	of	of	ADP
iaajah-7571	478	18	internet	internet	NOUN
iaajah-7571	478	19	access	access	NOUN
iaajah-7571	478	20	and	and	CCONJ
iaajah-7571	478	21	extending	extend	VERB
iaajah-7571	478	22	connectivity	connectivity	NOUN
iaajah-7571	478	23	to	to	ADP
iaajah-7571	478	24	underserved	underserved	ADJ
iaajah-7571	478	25	areas	area	NOUN
iaajah-7571	478	26	where	where	SCONJ
iaajah-7571	478	27	most	most	ADJ
iaajah-7571	478	28	cooperatives	cooperative	NOUN
iaajah-7571	478	29	operate	operate	VERB
iaajah-7571	478	30	.	.	PUNCT
iaajah-7571	479	1	additionally	additionally	ADV
iaajah-7571	479	2	,	,	PUNCT
iaajah-7571	479	3	the	the	DET
iaajah-7571	479	4	universal	universal	ADJ
iaajah-7571	479	5	service	service	NOUN
iaajah-7571	479	6	provision	provision	NOUN
iaajah-7571	479	7	fund	fund	NOUN
iaajah-7571	479	8	(	(	PUNCT
iaajah-7571	479	9	uspf	uspf	ADJ
iaajah-7571	479	10	)	)	PUNCT
iaajah-7571	479	11	under	under	ADP
iaajah-7571	479	12	the	the	DET
iaajah-7571	479	13	nigerian	nigerian	PROPN
iaajah-7571	479	14	communications	communication	NOUN
iaajah-7571	479	15	commission	commission	NOUN
iaajah-7571	479	16	can	can	AUX
iaajah-7571	479	17	be	be	AUX
iaajah-7571	479	18	leveraged	leverage	VERB
iaajah-7571	479	19	to	to	PART
iaajah-7571	479	20	establish	establish	VERB
iaajah-7571	479	21	ict	ict	NOUN
iaajah-7571	479	22	hubs	hub	NOUN
iaajah-7571	479	23	or	or	CCONJ
iaajah-7571	479	24	mobile	mobile	NOUN
iaajah-7571	479	25	learning	learn	VERB
iaajah-7571	479	26	kiosks	kiosk	NOUN
iaajah-7571	479	27	where	where	SCONJ
iaajah-7571	479	28	cooperative	cooperative	ADJ
iaajah-7571	479	29	members	member	NOUN
iaajah-7571	479	30	can	can	AUX
iaajah-7571	479	31	access	access	VERB
iaajah-7571	479	32	digital	digital	ADJ
iaajah-7571	479	33	tools	tool	NOUN
iaajah-7571	479	34	and	and	CCONJ
iaajah-7571	479	35	services	service	NOUN
iaajah-7571	479	36	at	at	ADP
iaajah-7571	479	37	subsidized	subsidized	ADJ
iaajah-7571	479	38	rates	rate	NOUN
iaajah-7571	479	39	.	.	PUNCT
iaajah-7571	480	1	provide	provide	VERB
iaajah-7571	480	2	financial	financial	ADJ
iaajah-7571	480	3	and	and	CCONJ
iaajah-7571	480	4	technical	technical	ADJ
iaajah-7571	480	5	support	support	NOUN
iaajah-7571	480	6	to	to	ADP
iaajah-7571	480	7	cooperatives	cooperative	NOUN
iaajah-7571	480	8	to	to	PART
iaajah-7571	480	9	overcome	overcome	VERB
iaajah-7571	480	10	the	the	DET
iaajah-7571	480	11	cost	cost	NOUN
iaajah-7571	480	12	barriers	barrier	NOUN
iaajah-7571	480	13	to	to	ADP
iaajah-7571	480	14	ict	ict	PROPN
iaajah-7571	480	15	adoption	adoption	NOUN
iaajah-7571	480	16	,	,	PUNCT
iaajah-7571	480	17	government	government	NOUN
iaajah-7571	480	18	agencies	agency	NOUN
iaajah-7571	480	19	and	and	CCONJ
iaajah-7571	480	20	cooperative	cooperative	ADJ
iaajah-7571	480	21	federations	federation	NOUN
iaajah-7571	480	22	should	should	AUX
iaajah-7571	480	23	create	create	VERB
iaajah-7571	480	24	grants	grant	NOUN
iaajah-7571	480	25	,	,	PUNCT
iaajah-7571	480	26	microloans	microloan	NOUN
iaajah-7571	480	27	,	,	PUNCT
iaajah-7571	480	28	and	and	CCONJ
iaajah-7571	480	29	digital	digital	ADJ
iaajah-7571	480	30	toolkits	toolkit	NOUN
iaajah-7571	480	31	to	to	PART
iaajah-7571	480	32	help	help	VERB
iaajah-7571	480	33	cooperatives	cooperative	NOUN
iaajah-7571	480	34	:	:	PUNCT
iaajah-7571	480	35	•	•	ADP
iaajah-7571	480	36	acquire	acquire	NOUN
iaajah-7571	480	37	smartphones	smartphone	NOUN
iaajah-7571	480	38	,	,	PUNCT
iaajah-7571	480	39	laptops	laptop	NOUN
iaajah-7571	480	40	,	,	PUNCT
iaajah-7571	480	41	and	and	CCONJ
iaajah-7571	480	42	projectors	projector	NOUN
iaajah-7571	480	43	•	•	NUM
iaajah-7571	480	44	subscribe	subscribe	NOUN
iaajah-7571	480	45	to	to	ADP
iaajah-7571	480	46	cooperative	cooperative	ADJ
iaajah-7571	480	47	management	management	NOUN
iaajah-7571	480	48	software	software	NOUN
iaajah-7571	480	49	•	•	SCONJ
iaajah-7571	480	50	develop	develop	VERB
iaajah-7571	480	51	mobile	mobile	ADJ
iaajah-7571	480	52	apps	app	NOUN
iaajah-7571	480	53	or	or	CCONJ
iaajah-7571	480	54	sms	sms	NOUN
iaajah-7571	480	55	-	-	PUNCT
iaajah-7571	480	56	based	base	VERB
iaajah-7571	480	57	communication	communication	NOUN
iaajah-7571	480	58	systems	system	NOUN
iaajah-7571	480	59	•	•	NUM
iaajah-7571	480	60	train	train	VERB
iaajah-7571	480	61	their	their	PRON
iaajah-7571	480	62	executive	executive	ADJ
iaajah-7571	480	63	and	and	CCONJ
iaajah-7571	480	64	administrative	administrative	ADJ
iaajah-7571	480	65	staff	staff	NOUN
iaajah-7571	480	66	these	these	DET
iaajah-7571	480	67	supports	support	VERB
iaajah-7571	480	68	should	should	AUX
iaajah-7571	480	69	prioritize	prioritize	VERB
iaajah-7571	480	70	rural	rural	ADJ
iaajah-7571	480	71	and	and	CCONJ
iaajah-7571	480	72	low	low	ADJ
iaajah-7571	480	73	-	-	PUNCT
iaajah-7571	480	74	income	income	NOUN
iaajah-7571	480	75	cooperatives	cooperative	NOUN
iaajah-7571	480	76	to	to	PART
iaajah-7571	480	77	prevent	prevent	VERB
iaajah-7571	480	78	digital	digital	ADJ
iaajah-7571	480	79	exclusion	exclusion	NOUN
iaajah-7571	480	80	.	.	PUNCT
iaajah-7571	481	1	in	in	ADP
iaajah-7571	481	2	addition	addition	NOUN
iaajah-7571	481	3	,	,	PUNCT
iaajah-7571	481	4	cooperatives	cooperative	NOUN
iaajah-7571	481	5	should	should	AUX
iaajah-7571	481	6	be	be	AUX
iaajah-7571	481	7	encouraged	encourage	VERB
iaajah-7571	481	8	to	to	PART
iaajah-7571	481	9	budget	budget	VERB
iaajah-7571	481	10	for	for	ADP
iaajah-7571	481	11	ict	ict	NOUN
iaajah-7571	481	12	-	-	PUNCT
iaajah-7571	481	13	related	relate	VERB
iaajah-7571	481	14	expenses	expense	NOUN
iaajah-7571	481	15	and	and	CCONJ
iaajah-7571	481	16	allocate	allocate	VERB
iaajah-7571	481	17	a	a	DET
iaajah-7571	481	18	small	small	ADJ
iaajah-7571	481	19	percentage	percentage	NOUN
iaajah-7571	481	20	of	of	ADP
iaajah-7571	481	21	their	their	PRON
iaajah-7571	481	22	annual	annual	ADJ
iaajah-7571	481	23	surplus	surplus	NOUN
iaajah-7571	481	24	for	for	ADP
iaajah-7571	481	25	digital	digital	ADJ
iaajah-7571	481	26	transformation	transformation	NOUN
iaajah-7571	481	27	initiatives	initiative	NOUN
iaajah-7571	481	28	.	.	PUNCT
iaajah-7571	482	1	promote	promote	VERB
iaajah-7571	482	2	the	the	DET
iaajah-7571	482	3	use	use	NOUN
iaajah-7571	482	4	of	of	ADP
iaajah-7571	482	5	simple	simple	ADJ
iaajah-7571	482	6	,	,	PUNCT
iaajah-7571	482	7	localized	localized	ADJ
iaajah-7571	482	8	ict	ict	NOUN
iaajah-7571	482	9	tools	tool	NOUN
iaajah-7571	482	10	not	not	PART
iaajah-7571	482	11	all	all	DET
iaajah-7571	482	12	cooperatives	cooperative	NOUN
iaajah-7571	482	13	need	need	VERB
iaajah-7571	482	14	sophisticated	sophisticated	ADJ
iaajah-7571	482	15	software	software	NOUN
iaajah-7571	482	16	platforms	platform	NOUN
iaajah-7571	482	17	.	.	PUNCT
iaajah-7571	483	1	sometimes	sometimes	ADV
iaajah-7571	483	2	,	,	PUNCT
iaajah-7571	483	3	low	low	ADJ
iaajah-7571	483	4	-	-	PUNCT
iaajah-7571	483	5	cost	cost	NOUN
iaajah-7571	483	6	and	and	CCONJ
iaajah-7571	483	7	culturally	culturally	ADV
iaajah-7571	483	8	appropriate	appropriate	ADJ
iaajah-7571	483	9	tools	tool	NOUN
iaajah-7571	483	10	are	be	AUX
iaajah-7571	483	11	more	more	ADV
iaajah-7571	483	12	effective	effective	ADJ
iaajah-7571	483	13	and	and	CCONJ
iaajah-7571	483	14	sustainable	sustainable	ADJ
iaajah-7571	483	15	.	.	PUNCT
iaajah-7571	484	1	cooperatives	cooperative	NOUN
iaajah-7571	484	2	should	should	AUX
iaajah-7571	484	3	be	be	AUX
iaajah-7571	484	4	encouraged	encourage	VERB
iaajah-7571	484	5	to	to	PART
iaajah-7571	484	6	:	:	PUNCT
iaajah-7571	484	7	•	•	NUM
iaajah-7571	484	8	use	use	VERB
iaajah-7571	484	9	whatsapp	whatsapp	NOUN
iaajah-7571	484	10	or	or	CCONJ
iaajah-7571	484	11	telegram	telegram	NOUN
iaajah-7571	484	12	groups	group	NOUN
iaajah-7571	484	13	for	for	ADP
iaajah-7571	484	14	meeting	meet	VERB
iaajah-7571	484	15	reminders	reminder	NOUN
iaajah-7571	484	16	and	and	CCONJ
iaajah-7571	484	17	real	real	ADJ
iaajah-7571	484	18	-	-	PUNCT
iaajah-7571	484	19	time	time	NOUN
iaajah-7571	484	20	discussions	discussion	NOUN
iaajah-7571	484	21	igwebuike	igwebuike	NOUN
iaajah-7571	484	22	:	:	PUNCT
iaajah-7571	484	23	an	an	DET
iaajah-7571	484	24	african	african	ADJ
iaajah-7571	484	25	journal	journal	NOUN
iaajah-7571	484	26	of	of	ADP
iaajah-7571	484	27	arts	art	NOUN
iaajah-7571	484	28	and	and	CCONJ
iaajah-7571	484	29	humanities	humanity	NOUN
iaajah-7571	484	30	vol	vol	NOUN
iaajah-7571	484	31	.	.	PUNCT
iaajah-7571	485	1	11	11	NUM
iaajah-7571	485	2	.	.	PUNCT
iaajah-7571	486	1	no	no	INTJ
iaajah-7571	486	2	.	.	NOUN
iaajah-7571	486	3	7	7	NUM
iaajah-7571	486	4	,	,	PUNCT
iaajah-7571	486	5	(	(	PUNCT
iaajah-7571	486	6	2025	2025	NUM
iaajah-7571	486	7	)	)	PUNCT
iaajah-7571	486	8	issn	issn	PROPN
iaajah-7571	486	9	:	:	PUNCT
iaajah-7571	486	10	24889210	24889210	NUM
iaajah-7571	486	11	(	(	PUNCT
iaajah-7571	486	12	print	print	NOUN
iaajah-7571	486	13	)	)	PUNCT
iaajah-7571	486	14	2504	2504	NUM
iaajah-7571	486	15	-	-	SYM
iaajah-7571	486	16	9038	9038	NUM
iaajah-7571	486	17	(	(	PUNCT
iaajah-7571	486	18	online	online	NOUN
iaajah-7571	486	19	)	)	PUNCT
iaajah-7571	486	20	dept	dept	NOUN
iaajah-7571	486	21	.	.	PROPN
iaajah-7571	487	1	of	of	ADP
iaajah-7571	487	2	philosophy	philosophy	NOUN
iaajah-7571	487	3	and	and	CCONJ
iaajah-7571	487	4	religious	religious	ADJ
iaajah-7571	487	5	studies	study	NOUN
iaajah-7571	487	6	,	,	PUNCT
iaajah-7571	487	7	tansian	tansian	PROPN
iaajah-7571	487	8	university	university	PROPN
iaajah-7571	487	9	umunya	umunya	PROPN
iaajah-7571	487	10	indexed	indexed	PROPN
iaajah-7571	487	11	:	:	PUNCT
iaajah-7571	487	12	academic	academic	ADJ
iaajah-7571	487	13	journals	journal	NOUN
iaajah-7571	487	14	online	online	ADV
iaajah-7571	487	15	,	,	PUNCT
iaajah-7571	487	16	google	google	PROPN
iaajah-7571	487	17	scholar	scholar	NOUN
iaajah-7571	487	18	,	,	PUNCT
iaajah-7571	487	19	igwebuike	igwebuike	PROPN
iaajah-7571	487	20	research	research	PROPN
iaajah-7571	487	21	institute	institute	PROPN
iaajah-7571	487	22	85	85	NUM
iaajah-7571	487	23	•	•	NOUN
iaajah-7571	487	24	adopt	adopt	NOUN
iaajah-7571	487	25	voice	voice	NOUN
iaajah-7571	487	26	-	-	PUNCT
iaajah-7571	487	27	based	base	VERB
iaajah-7571	487	28	messaging	messaging	NOUN
iaajah-7571	487	29	systems	system	NOUN
iaajah-7571	487	30	for	for	ADP
iaajah-7571	487	31	low	low	ADJ
iaajah-7571	487	32	-	-	PUNCT
iaajah-7571	487	33	literacy	literacy	NOUN
iaajah-7571	487	34	members	member	NOUN
iaajah-7571	487	35	•	•	NUM
iaajah-7571	487	36	use	use	VERB
iaajah-7571	487	37	bulk	bulk	ADJ
iaajah-7571	487	38	sms	sms	NOUN
iaajah-7571	487	39	platforms	platform	NOUN
iaajah-7571	487	40	with	with	ADP
iaajah-7571	487	41	localized	localized	ADJ
iaajah-7571	487	42	language	language	NOUN
iaajah-7571	487	43	options	option	NOUN
iaajah-7571	487	44	•	•	ADP
iaajah-7571	487	45	explore	explore	VERB
iaajah-7571	487	46	cooperative	cooperative	ADJ
iaajah-7571	487	47	software	software	NOUN
iaajah-7571	487	48	that	that	PRON
iaajah-7571	487	49	allows	allow	VERB
iaajah-7571	487	50	offline	offline	ADJ
iaajah-7571	487	51	use	use	NOUN
iaajah-7571	487	52	and	and	CCONJ
iaajah-7571	487	53	local	local	ADJ
iaajah-7571	487	54	currency	currency	NOUN
iaajah-7571	487	55	integration	integration	NOUN
iaajah-7571	487	56	developers	developer	NOUN
iaajah-7571	487	57	should	should	AUX
iaajah-7571	487	58	be	be	AUX
iaajah-7571	487	59	incentivized	incentivize	VERB
iaajah-7571	487	60	to	to	PART
iaajah-7571	487	61	create	create	VERB
iaajah-7571	487	62	open	open	ADJ
iaajah-7571	487	63	-	-	PUNCT
iaajah-7571	487	64	source	source	NOUN
iaajah-7571	487	65	,	,	PUNCT
iaajah-7571	487	66	multilingual	multilingual	ADJ
iaajah-7571	487	67	platforms	platform	NOUN
iaajah-7571	487	68	tailored	tailor	VERB
iaajah-7571	487	69	to	to	ADP
iaajah-7571	487	70	the	the	DET
iaajah-7571	487	71	unique	unique	ADJ
iaajah-7571	487	72	needs	need	NOUN
iaajah-7571	487	73	of	of	ADP
iaajah-7571	487	74	nigerian	nigerian	ADJ
iaajah-7571	487	75	cooperatives	cooperative	NOUN
iaajah-7571	487	76	especially	especially	ADV
iaajah-7571	487	77	those	those	PRON
iaajah-7571	487	78	operating	operate	VERB
iaajah-7571	487	79	in	in	ADP
iaajah-7571	487	80	agriculture	agriculture	NOUN
iaajah-7571	487	81	,	,	PUNCT
iaajah-7571	487	82	trade	trade	NOUN
iaajah-7571	487	83	,	,	PUNCT
iaajah-7571	487	84	and	and	CCONJ
iaajah-7571	487	85	community	community	NOUN
iaajah-7571	487	86	finance	finance	NOUN
iaajah-7571	487	87	.	.	PUNCT
iaajah-7571	488	1	encourage	encourage	VERB
iaajah-7571	488	2	leadership	leadership	NOUN
iaajah-7571	488	3	buy	buy	NOUN
iaajah-7571	488	4	-	-	PUNCT
iaajah-7571	488	5	in	in	NOUN
iaajah-7571	488	6	and	and	CCONJ
iaajah-7571	488	7	innovation	innovation	NOUN
iaajah-7571	488	8	culture	culture	NOUN
iaajah-7571	488	9	cooperative	cooperative	ADJ
iaajah-7571	488	10	leaders	leader	NOUN
iaajah-7571	488	11	play	play	VERB
iaajah-7571	488	12	a	a	DET
iaajah-7571	488	13	decisive	decisive	ADJ
iaajah-7571	488	14	role	role	NOUN
iaajah-7571	488	15	in	in	ADP
iaajah-7571	488	16	ict	ict	PROPN
iaajah-7571	488	17	adoption	adoption	NOUN
iaajah-7571	488	18	.	.	PUNCT
iaajah-7571	489	1	therefore	therefore	ADV
iaajah-7571	489	2	,	,	PUNCT
iaajah-7571	489	3	targeted	targeted	ADJ
iaajah-7571	489	4	leadership	leadership	NOUN
iaajah-7571	489	5	development	development	NOUN
iaajah-7571	489	6	programs	program	NOUN
iaajah-7571	489	7	should	should	AUX
iaajah-7571	489	8	be	be	AUX
iaajah-7571	489	9	organized	organize	VERB
iaajah-7571	489	10	to	to	PART
iaajah-7571	489	11	:	:	PUNCT
iaajah-7571	489	12	•	•	VERB
iaajah-7571	489	13	enhance	enhance	VERB
iaajah-7571	489	14	their	their	PRON
iaajah-7571	489	15	ict	ict	NOUN
iaajah-7571	489	16	awareness	awareness	NOUN
iaajah-7571	489	17	and	and	CCONJ
iaajah-7571	489	18	capacity	capacity	NOUN
iaajah-7571	489	19	•	•	NOUN
iaajah-7571	489	20	inspire	inspire	VERB
iaajah-7571	489	21	them	they	PRON
iaajah-7571	489	22	to	to	PART
iaajah-7571	489	23	model	model	VERB
iaajah-7571	489	24	digital	digital	ADJ
iaajah-7571	489	25	behavior	behavior	NOUN
iaajah-7571	489	26	(	(	PUNCT
iaajah-7571	489	27	e.g.	e.g.	ADV
iaajah-7571	489	28	,	,	PUNCT
iaajah-7571	489	29	holding	hold	VERB
iaajah-7571	489	30	virtual	virtual	ADJ
iaajah-7571	489	31	executive	executive	ADJ
iaajah-7571	489	32	meetings	meeting	NOUN
iaajah-7571	489	33	,	,	PUNCT
iaajah-7571	489	34	using	use	VERB
iaajah-7571	489	35	email	email	NOUN
iaajah-7571	489	36	or	or	CCONJ
iaajah-7571	489	37	apps	app	NOUN
iaajah-7571	489	38	for	for	ADP
iaajah-7571	489	39	official	official	ADJ
iaajah-7571	489	40	communication	communication	NOUN
iaajah-7571	489	41	)	)	PUNCT
iaajah-7571	489	42	•	•	NUM
iaajah-7571	489	43	equip	equip	VERB
iaajah-7571	489	44	them	they	PRON
iaajah-7571	489	45	with	with	ADP
iaajah-7571	489	46	change	change	NOUN
iaajah-7571	489	47	management	management	NOUN
iaajah-7571	489	48	skills	skill	NOUN
iaajah-7571	489	49	to	to	PART
iaajah-7571	489	50	lead	lead	VERB
iaajah-7571	489	51	digital	digital	ADJ
iaajah-7571	489	52	transition	transition	NOUN
iaajah-7571	489	53	without	without	ADP
iaajah-7571	489	54	alienating	alienate	VERB
iaajah-7571	489	55	members	member	NOUN
iaajah-7571	489	56	furthermore	furthermore	ADV
iaajah-7571	489	57	,	,	PUNCT
iaajah-7571	489	58	cooperatives	cooperative	NOUN
iaajah-7571	489	59	should	should	AUX
iaajah-7571	489	60	cultivate	cultivate	VERB
iaajah-7571	489	61	an	an	DET
iaajah-7571	489	62	innovation	innovation	NOUN
iaajah-7571	489	63	-	-	PUNCT
iaajah-7571	489	64	friendly	friendly	ADJ
iaajah-7571	489	65	organizational	organizational	ADJ
iaajah-7571	489	66	culture	culture	NOUN
iaajah-7571	489	67	that	that	PRON
iaajah-7571	489	68	encourages	encourage	VERB
iaajah-7571	489	69	experimentation	experimentation	NOUN
iaajah-7571	489	70	,	,	PUNCT
iaajah-7571	489	71	tolerates	tolerate	VERB
iaajah-7571	489	72	learning	learn	VERB
iaajah-7571	489	73	from	from	ADP
iaajah-7571	489	74	mistakes	mistake	NOUN
iaajah-7571	489	75	,	,	PUNCT
iaajah-7571	489	76	and	and	CCONJ
iaajah-7571	489	77	recognizes	recognize	VERB
iaajah-7571	489	78	digital	digital	ADJ
iaajah-7571	489	79	success	success	NOUN
iaajah-7571	489	80	stories	story	NOUN
iaajah-7571	489	81	within	within	ADP
iaajah-7571	489	82	the	the	DET
iaajah-7571	489	83	group	group	NOUN
iaajah-7571	489	84	.	.	PUNCT
iaajah-7571	490	1	mainstream	mainstream	NOUN
iaajah-7571	490	2	ict	ict	PROPN
iaajah-7571	490	3	in	in	ADP
iaajah-7571	490	4	cooperative	cooperative	ADJ
iaajah-7571	490	5	education	education	NOUN
iaajah-7571	490	6	and	and	CCONJ
iaajah-7571	490	7	policy	policy	NOUN
iaajah-7571	490	8	digital	digital	ADJ
iaajah-7571	490	9	communication	communication	NOUN
iaajah-7571	490	10	and	and	CCONJ
iaajah-7571	490	11	ict	ict	NOUN
iaajah-7571	490	12	tools	tool	NOUN
iaajah-7571	490	13	should	should	AUX
iaajah-7571	490	14	be	be	AUX
iaajah-7571	490	15	mainstreamed	mainstreame	VERB
iaajah-7571	490	16	into	into	ADP
iaajah-7571	490	17	the	the	DET
iaajah-7571	490	18	national	national	ADJ
iaajah-7571	490	19	cooperative	cooperative	ADJ
iaajah-7571	490	20	education	education	NOUN
iaajah-7571	490	21	curriculum	curriculum	NOUN
iaajah-7571	490	22	.	.	PUNCT
iaajah-7571	491	1	this	this	PRON
iaajah-7571	491	2	includes	include	VERB
iaajah-7571	491	3	:	:	PUNCT
iaajah-7571	491	4	•	•	NUM
iaajah-7571	491	5	updating	update	VERB
iaajah-7571	491	6	the	the	DET
iaajah-7571	491	7	syllabi	syllabus	NOUN
iaajah-7571	491	8	of	of	ADP
iaajah-7571	491	9	cooperative	cooperative	ADJ
iaajah-7571	491	10	colleges	college	NOUN
iaajah-7571	491	11	and	and	CCONJ
iaajah-7571	491	12	training	training	NOUN
iaajah-7571	491	13	centers	center	NOUN
iaajah-7571	491	14	•	•	ADV
iaajah-7571	491	15	producing	produce	VERB
iaajah-7571	491	16	manuals	manual	NOUN
iaajah-7571	491	17	and	and	CCONJ
iaajah-7571	491	18	guides	guide	NOUN
iaajah-7571	491	19	on	on	ADP
iaajah-7571	491	20	cooperative	cooperative	ADJ
iaajah-7571	491	21	ict	ict	NOUN
iaajah-7571	491	22	usage	usage	NOUN
iaajah-7571	491	23	•	•	NOUN
iaajah-7571	491	24	training	training	NOUN
iaajah-7571	491	25	extension	extension	NOUN
iaajah-7571	491	26	officers	officer	NOUN
iaajah-7571	491	27	and	and	CCONJ
iaajah-7571	491	28	cooperative	cooperative	ADJ
iaajah-7571	491	29	inspectors	inspector	NOUN
iaajah-7571	491	30	on	on	ADP
iaajah-7571	491	31	digital	digital	ADJ
iaajah-7571	491	32	facilitation	facilitation	NOUN
iaajah-7571	491	33	methods	method	NOUN
iaajah-7571	491	34	at	at	ADP
iaajah-7571	491	35	the	the	DET
iaajah-7571	491	36	policy	policy	NOUN
iaajah-7571	491	37	level	level	NOUN
iaajah-7571	491	38	,	,	PUNCT
iaajah-7571	491	39	the	the	DET
iaajah-7571	491	40	federal	federal	ADJ
iaajah-7571	491	41	department	department	NOUN
iaajah-7571	491	42	of	of	ADP
iaajah-7571	491	43	cooperatives	cooperative	NOUN
iaajah-7571	491	44	should	should	AUX
iaajah-7571	491	45	develop	develop	VERB
iaajah-7571	491	46	a	a	DET
iaajah-7571	491	47	national	national	ADJ
iaajah-7571	491	48	ict	ict	NOUN
iaajah-7571	491	49	framework	framework	NOUN
iaajah-7571	491	50	for	for	ADP
iaajah-7571	491	51	cooperatives	cooperative	NOUN
iaajah-7571	491	52	in	in	ADP
iaajah-7571	491	53	collaboration	collaboration	NOUN
iaajah-7571	491	54	with	with	ADP
iaajah-7571	491	55	stakeholders	stakeholder	NOUN
iaajah-7571	491	56	.	.	PUNCT
iaajah-7571	492	1	this	this	DET
iaajah-7571	492	2	framework	framework	NOUN
iaajah-7571	492	3	would	would	AUX
iaajah-7571	492	4	:	:	PUNCT
iaajah-7571	492	5	•	•	ADV
iaajah-7571	492	6	set	set	VERB
iaajah-7571	492	7	minimum	minimum	ADJ
iaajah-7571	492	8	digital	digital	ADJ
iaajah-7571	492	9	communication	communication	NOUN
iaajah-7571	492	10	standards	standard	NOUN
iaajah-7571	492	11	•	•	NUM
iaajah-7571	492	12	recommend	recommend	VERB
iaajah-7571	492	13	platforms	platform	NOUN
iaajah-7571	492	14	and	and	CCONJ
iaajah-7571	492	15	tools	tool	NOUN
iaajah-7571	492	16	suitable	suitable	ADJ
iaajah-7571	492	17	for	for	ADP
iaajah-7571	492	18	different	different	ADJ
iaajah-7571	492	19	cooperative	cooperative	ADJ
iaajah-7571	492	20	types	type	NOUN
iaajah-7571	492	21	•	•	ADP
iaajah-7571	492	22	define	define	VERB
iaajah-7571	492	23	roles	role	NOUN
iaajah-7571	492	24	for	for	ADP
iaajah-7571	492	25	government	government	NOUN
iaajah-7571	492	26	,	,	PUNCT
iaajah-7571	492	27	ngos	ngo	NOUN
iaajah-7571	492	28	,	,	PUNCT
iaajah-7571	492	29	and	and	CCONJ
iaajah-7571	492	30	private	private	ADJ
iaajah-7571	492	31	sector	sector	NOUN
iaajah-7571	492	32	actors	actor	NOUN
iaajah-7571	492	33	•	•	ADV
iaajah-7571	492	34	provide	provide	VERB
iaajah-7571	492	35	a	a	DET
iaajah-7571	492	36	roadmap	roadmap	NOUN
iaajah-7571	492	37	for	for	ADP
iaajah-7571	492	38	digital	digital	ADJ
iaajah-7571	492	39	inclusion	inclusion	NOUN
iaajah-7571	492	40	over	over	ADP
iaajah-7571	492	41	a	a	DET
iaajah-7571	492	42	5–10	5–10	ADJ
iaajah-7571	492	43	-	-	PUNCT
iaajah-7571	492	44	year	year	NOUN
iaajah-7571	492	45	period	period	NOUN
iaajah-7571	492	46	foster	foster	VERB
iaajah-7571	492	47	strategic	strategic	ADJ
iaajah-7571	492	48	partnerships	partnership	NOUN
iaajah-7571	492	49	with	with	ADP
iaajah-7571	492	50	ict	ict	PROPN
iaajah-7571	492	51	stakeholders	stakeholder	NOUN
iaajah-7571	492	52	igwebuike	igwebuike	PROPN
iaajah-7571	492	53	:	:	PUNCT
iaajah-7571	492	54	an	an	DET
iaajah-7571	492	55	african	african	ADJ
iaajah-7571	492	56	journal	journal	NOUN
iaajah-7571	492	57	of	of	ADP
iaajah-7571	492	58	arts	art	NOUN
iaajah-7571	492	59	and	and	CCONJ
iaajah-7571	492	60	humanities	humanity	NOUN
iaajah-7571	492	61	vol	vol	NOUN
iaajah-7571	492	62	.	.	PUNCT
iaajah-7571	493	1	11	11	NUM
iaajah-7571	493	2	.	.	PUNCT
iaajah-7571	494	1	no	no	INTJ
iaajah-7571	494	2	.	.	NOUN
iaajah-7571	494	3	7	7	NUM
iaajah-7571	494	4	,	,	PUNCT
iaajah-7571	494	5	(	(	PUNCT
iaajah-7571	494	6	2025	2025	NUM
iaajah-7571	494	7	)	)	PUNCT
iaajah-7571	494	8	issn	issn	PROPN
iaajah-7571	494	9	:	:	PUNCT
iaajah-7571	494	10	24889210	24889210	NUM
iaajah-7571	494	11	(	(	PUNCT
iaajah-7571	494	12	print	print	NOUN
iaajah-7571	494	13	)	)	PUNCT
iaajah-7571	494	14	2504	2504	NUM
iaajah-7571	494	15	-	-	SYM
iaajah-7571	494	16	9038	9038	NUM
iaajah-7571	494	17	(	(	PUNCT
iaajah-7571	494	18	online	online	NOUN
iaajah-7571	494	19	)	)	PUNCT
iaajah-7571	494	20	dept	dept	NOUN
iaajah-7571	494	21	.	.	PROPN
iaajah-7571	495	1	of	of	ADP
iaajah-7571	495	2	philosophy	philosophy	NOUN
iaajah-7571	495	3	and	and	CCONJ
iaajah-7571	495	4	religious	religious	ADJ
iaajah-7571	495	5	studies	study	NOUN
iaajah-7571	495	6	,	,	PUNCT
iaajah-7571	495	7	tansian	tansian	PROPN
iaajah-7571	495	8	university	university	PROPN
iaajah-7571	495	9	umunya	umunya	PROPN
iaajah-7571	495	10	indexed	indexed	PROPN
iaajah-7571	495	11	:	:	PUNCT
iaajah-7571	495	12	academic	academic	ADJ
iaajah-7571	495	13	journals	journal	NOUN
iaajah-7571	495	14	online	online	ADV
iaajah-7571	495	15	,	,	PUNCT
iaajah-7571	495	16	google	google	PROPN
iaajah-7571	495	17	scholar	scholar	NOUN
iaajah-7571	495	18	,	,	PUNCT
iaajah-7571	495	19	igwebuike	igwebuike	PROPN
iaajah-7571	495	20	research	research	PROPN
iaajah-7571	495	21	institute	institute	PROPN
iaajah-7571	495	22	86	86	NUM
iaajah-7571	495	23	digital	digital	ADJ
iaajah-7571	495	24	transformation	transformation	NOUN
iaajah-7571	495	25	in	in	ADP
iaajah-7571	495	26	cooperatives	cooperative	NOUN
iaajah-7571	495	27	can	can	AUX
iaajah-7571	495	28	not	not	PART
iaajah-7571	495	29	be	be	AUX
iaajah-7571	495	30	achieved	achieve	VERB
iaajah-7571	495	31	in	in	ADP
iaajah-7571	495	32	isolation	isolation	NOUN
iaajah-7571	495	33	.	.	PUNCT
iaajah-7571	496	1	strategic	strategic	ADJ
iaajah-7571	496	2	partnerships	partnership	NOUN
iaajah-7571	496	3	with	with	ADP
iaajah-7571	496	4	ict	ict	PROPN
iaajah-7571	496	5	companies	company	NOUN
iaajah-7571	496	6	,	,	PUNCT
iaajah-7571	496	7	universities	university	NOUN
iaajah-7571	496	8	,	,	PUNCT
iaajah-7571	496	9	tech	tech	NOUN
iaajah-7571	496	10	hubs	hub	NOUN
iaajah-7571	496	11	,	,	PUNCT
iaajah-7571	496	12	and	and	CCONJ
iaajah-7571	496	13	development	development	NOUN
iaajah-7571	496	14	agencies	agency	NOUN
iaajah-7571	496	15	should	should	AUX
iaajah-7571	496	16	be	be	AUX
iaajah-7571	496	17	pursued	pursue	VERB
iaajah-7571	496	18	to	to	ADP
iaajah-7571	496	19	:	:	PUNCT
iaajah-7571	496	20	•	•	NUM
iaajah-7571	496	21	pilot	pilot	NOUN
iaajah-7571	496	22	cooperative	cooperative	ADJ
iaajah-7571	496	23	-	-	PUNCT
iaajah-7571	496	24	specific	specific	ADJ
iaajah-7571	496	25	applications	application	NOUN
iaajah-7571	496	26	•	•	ADP
iaajah-7571	496	27	create	create	VERB
iaajah-7571	496	28	content	content	NOUN
iaajah-7571	496	29	and	and	CCONJ
iaajah-7571	496	30	tools	tool	NOUN
iaajah-7571	496	31	in	in	ADP
iaajah-7571	496	32	indigenous	indigenous	ADJ
iaajah-7571	496	33	languages	language	NOUN
iaajah-7571	496	34	•	•	NOUN
iaajah-7571	496	35	share	share	NOUN
iaajah-7571	496	36	innovations	innovation	NOUN
iaajah-7571	496	37	across	across	ADP
iaajah-7571	496	38	states	state	NOUN
iaajah-7571	496	39	and	and	CCONJ
iaajah-7571	496	40	regions	region	NOUN
iaajah-7571	496	41	•	•	VERB
iaajah-7571	496	42	conduct	conduct	NOUN
iaajah-7571	496	43	monitoring	monitoring	NOUN
iaajah-7571	496	44	and	and	CCONJ
iaajah-7571	496	45	evaluation	evaluation	NOUN
iaajah-7571	496	46	of	of	ADP
iaajah-7571	496	47	ict	ict	NOUN
iaajah-7571	496	48	adoption	adoption	NOUN
iaajah-7571	496	49	impacts	impact	NOUN
iaajah-7571	496	50	for	for	ADP
iaajah-7571	496	51	example	example	NOUN
iaajah-7571	496	52	,	,	PUNCT
iaajah-7571	496	53	tech	tech	NOUN
iaajah-7571	496	54	startups	startup	NOUN
iaajah-7571	496	55	can	can	AUX
iaajah-7571	496	56	develop	develop	VERB
iaajah-7571	496	57	mobile	mobile	ADJ
iaajah-7571	496	58	tools	tool	NOUN
iaajah-7571	496	59	for	for	ADP
iaajah-7571	496	60	cooperative	cooperative	ADJ
iaajah-7571	496	61	accounting	accounting	NOUN
iaajah-7571	496	62	or	or	CCONJ
iaajah-7571	496	63	inventory	inventory	NOUN
iaajah-7571	496	64	management	management	NOUN
iaajah-7571	496	65	,	,	PUNCT
iaajah-7571	496	66	while	while	SCONJ
iaajah-7571	496	67	universities	university	NOUN
iaajah-7571	496	68	can	can	AUX
iaajah-7571	496	69	assist	assist	VERB
iaajah-7571	496	70	with	with	ADP
iaajah-7571	496	71	research	research	NOUN
iaajah-7571	496	72	and	and	CCONJ
iaajah-7571	496	73	training	training	NOUN
iaajah-7571	496	74	.	.	PUNCT
iaajah-7571	497	1	similarly	similarly	ADV
iaajah-7571	497	2	,	,	PUNCT
iaajah-7571	497	3	donor	donor	NOUN
iaajah-7571	497	4	organizations	organization	NOUN
iaajah-7571	497	5	can	can	AUX
iaajah-7571	497	6	sponsor	sponsor	VERB
iaajah-7571	497	7	digital	digital	ADJ
iaajah-7571	497	8	hubs	hub	NOUN
iaajah-7571	497	9	in	in	ADP
iaajah-7571	497	10	rural	rural	ADJ
iaajah-7571	497	11	cooperatives	cooperative	NOUN
iaajah-7571	497	12	as	as	ADP
iaajah-7571	497	13	part	part	NOUN
iaajah-7571	497	14	of	of	ADP
iaajah-7571	497	15	economic	economic	ADJ
iaajah-7571	497	16	empowerment	empowerment	NOUN
iaajah-7571	497	17	projects	project	NOUN
iaajah-7571	497	18	.	.	PUNCT
iaajah-7571	498	1	create	create	VERB
iaajah-7571	498	2	feedback	feedback	NOUN
iaajah-7571	498	3	loops	loop	NOUN
iaajah-7571	498	4	and	and	CCONJ
iaajah-7571	498	5	monitoring	monitor	VERB
iaajah-7571	498	6	systems	system	NOUN
iaajah-7571	498	7	to	to	PART
iaajah-7571	498	8	ensure	ensure	VERB
iaajah-7571	498	9	accountability	accountability	NOUN
iaajah-7571	498	10	and	and	CCONJ
iaajah-7571	498	11	continued	continued	ADJ
iaajah-7571	498	12	relevance	relevance	NOUN
iaajah-7571	498	13	of	of	ADP
iaajah-7571	498	14	ict	ict	NOUN
iaajah-7571	498	15	tools	tool	NOUN
iaajah-7571	498	16	,	,	PUNCT
iaajah-7571	498	17	cooperatives	cooperative	NOUN
iaajah-7571	498	18	must	must	AUX
iaajah-7571	498	19	establish	establish	VERB
iaajah-7571	498	20	feedback	feedback	NOUN
iaajah-7571	498	21	mechanisms	mechanism	NOUN
iaajah-7571	498	22	that	that	PRON
iaajah-7571	498	23	capture	capture	VERB
iaajah-7571	498	24	:	:	PUNCT
iaajah-7571	498	25	•	•	NUM
iaajah-7571	498	26	member	member	NOUN
iaajah-7571	498	27	satisfaction	satisfaction	NOUN
iaajah-7571	498	28	with	with	ADP
iaajah-7571	498	29	digital	digital	ADJ
iaajah-7571	498	30	platforms	platform	NOUN
iaajah-7571	498	31	•	•	NOUN
iaajah-7571	498	32	barriers	barrier	NOUN
iaajah-7571	498	33	encountered	encounter	VERB
iaajah-7571	498	34	during	during	ADP
iaajah-7571	498	35	implementation	implementation	NOUN
iaajah-7571	498	36	•	•	NOUN
iaajah-7571	498	37	suggestions	suggestion	NOUN
iaajah-7571	498	38	for	for	ADP
iaajah-7571	498	39	improvement	improvement	NOUN
iaajah-7571	498	40	these	these	DET
iaajah-7571	498	41	insights	insight	NOUN
iaajah-7571	498	42	should	should	AUX
iaajah-7571	498	43	be	be	AUX
iaajah-7571	498	44	reviewed	review	VERB
iaajah-7571	498	45	regularly	regularly	ADV
iaajah-7571	498	46	during	during	ADP
iaajah-7571	498	47	executive	executive	ADJ
iaajah-7571	498	48	meetings	meeting	NOUN
iaajah-7571	498	49	and	and	CCONJ
iaajah-7571	498	50	reported	report	VERB
iaajah-7571	498	51	in	in	ADP
iaajah-7571	498	52	annual	annual	ADJ
iaajah-7571	498	53	cooperative	cooperative	ADJ
iaajah-7571	498	54	reports	report	NOUN
iaajah-7571	498	55	.	.	PUNCT
iaajah-7571	499	1	furthermore	furthermore	ADV
iaajah-7571	499	2	,	,	PUNCT
iaajah-7571	499	3	federations	federation	NOUN
iaajah-7571	499	4	and	and	CCONJ
iaajah-7571	499	5	apex	apex	NOUN
iaajah-7571	499	6	bodies	body	NOUN
iaajah-7571	499	7	can	can	AUX
iaajah-7571	499	8	develop	develop	VERB
iaajah-7571	499	9	ict	ict	NOUN
iaajah-7571	499	10	readiness	readiness	NOUN
iaajah-7571	499	11	assessment	assessment	NOUN
iaajah-7571	499	12	tools	tool	NOUN
iaajah-7571	499	13	to	to	PART
iaajah-7571	499	14	periodically	periodically	ADV
iaajah-7571	499	15	evaluate	evaluate	VERB
iaajah-7571	499	16	the	the	DET
iaajah-7571	499	17	digital	digital	ADJ
iaajah-7571	499	18	maturity	maturity	NOUN
iaajah-7571	499	19	of	of	ADP
iaajah-7571	499	20	member	member	NOUN
iaajah-7571	499	21	cooperatives	cooperative	NOUN
iaajah-7571	499	22	and	and	CCONJ
iaajah-7571	499	23	guide	guide	VERB
iaajah-7571	499	24	strategic	strategic	ADJ
iaajah-7571	499	25	support	support	NOUN
iaajah-7571	499	26	.	.	PUNCT
iaajah-7571	500	1	conclusion	conclusion	NOUN
iaajah-7571	500	2	strengthening	strengthen	VERB
iaajah-7571	500	3	ict	ict	NOUN
iaajah-7571	500	4	adoption	adoption	NOUN
iaajah-7571	500	5	in	in	ADP
iaajah-7571	500	6	nigerian	nigerian	ADJ
iaajah-7571	500	7	cooperatives	cooperative	NOUN
iaajah-7571	500	8	requires	require	VERB
iaajah-7571	500	9	a	a	DET
iaajah-7571	500	10	comprehensive	comprehensive	ADJ
iaajah-7571	500	11	,	,	PUNCT
iaajah-7571	500	12	inclusive	inclusive	ADJ
iaajah-7571	500	13	,	,	PUNCT
iaajah-7571	500	14	and	and	CCONJ
iaajah-7571	500	15	multi	multi	ADJ
iaajah-7571	500	16	-	-	ADJ
iaajah-7571	500	17	stakeholder	stakeholder	ADJ
iaajah-7571	500	18	approach	approach	NOUN
iaajah-7571	500	19	.	.	PUNCT
iaajah-7571	501	1	digital	digital	ADJ
iaajah-7571	501	2	transformation	transformation	NOUN
iaajah-7571	501	3	must	must	AUX
iaajah-7571	501	4	go	go	VERB
iaajah-7571	501	5	beyond	beyond	ADP
iaajah-7571	501	6	acquiring	acquire	VERB
iaajah-7571	501	7	devices	device	NOUN
iaajah-7571	501	8	or	or	CCONJ
iaajah-7571	501	9	installing	instal	VERB
iaajah-7571	501	10	apps	app	NOUN
iaajah-7571	501	11	it	it	PRON
iaajah-7571	501	12	demands	demand	VERB
iaajah-7571	501	13	investment	investment	NOUN
iaajah-7571	501	14	in	in	ADP
iaajah-7571	501	15	people	people	NOUN
iaajah-7571	501	16	,	,	PUNCT
iaajah-7571	501	17	systems	system	NOUN
iaajah-7571	501	18	,	,	PUNCT
iaajah-7571	501	19	and	and	CCONJ
iaajah-7571	501	20	enabling	enable	VERB
iaajah-7571	501	21	environments	environment	NOUN
iaajah-7571	501	22	.	.	PUNCT
iaajah-7571	502	1	by	by	ADP
iaajah-7571	502	2	prioritizing	prioritize	VERB
iaajah-7571	502	3	digital	digital	ADJ
iaajah-7571	502	4	literacy	literacy	NOUN
iaajah-7571	502	5	,	,	PUNCT
iaajah-7571	502	6	improving	improve	VERB
iaajah-7571	502	7	infrastructure	infrastructure	NOUN
iaajah-7571	502	8	,	,	PUNCT
iaajah-7571	502	9	incentivizing	incentivize	VERB
iaajah-7571	502	10	leadership	leadership	NOUN
iaajah-7571	502	11	,	,	PUNCT
iaajah-7571	502	12	simplifying	simplify	VERB
iaajah-7571	502	13	tools	tool	NOUN
iaajah-7571	502	14	,	,	PUNCT
iaajah-7571	502	15	and	and	CCONJ
iaajah-7571	502	16	embedding	embed	VERB
iaajah-7571	502	17	ict	ict	NOUN
iaajah-7571	502	18	in	in	ADP
iaajah-7571	502	19	cooperative	cooperative	ADJ
iaajah-7571	502	20	policies	policy	NOUN
iaajah-7571	502	21	and	and	CCONJ
iaajah-7571	502	22	education	education	NOUN
iaajah-7571	502	23	,	,	PUNCT
iaajah-7571	502	24	cooperatives	cooperative	NOUN
iaajah-7571	502	25	can	can	AUX
iaajah-7571	502	26	unlock	unlock	VERB
iaajah-7571	502	27	the	the	DET
iaajah-7571	502	28	full	full	ADJ
iaajah-7571	502	29	potential	potential	NOUN
iaajah-7571	502	30	of	of	ADP
iaajah-7571	502	31	digital	digital	ADJ
iaajah-7571	502	32	communication	communication	NOUN
iaajah-7571	502	33	.	.	PUNCT
iaajah-7571	503	1	this	this	PRON
iaajah-7571	503	2	will	will	AUX
iaajah-7571	503	3	not	not	PART
iaajah-7571	503	4	only	only	ADV
iaajah-7571	503	5	enhance	enhance	VERB
iaajah-7571	503	6	internal	internal	ADJ
iaajah-7571	503	7	engagement	engagement	NOUN
iaajah-7571	503	8	and	and	CCONJ
iaajah-7571	503	9	transparency	transparency	NOUN
iaajah-7571	503	10	but	but	CCONJ
iaajah-7571	503	11	also	also	ADV
iaajah-7571	503	12	position	position	VERB
iaajah-7571	503	13	nigerian	nigerian	ADJ
iaajah-7571	503	14	cooperatives	cooperative	NOUN
iaajah-7571	503	15	as	as	ADP
iaajah-7571	503	16	resilient	resilient	ADJ
iaajah-7571	503	17	,	,	PUNCT
iaajah-7571	503	18	future	future	ADJ
iaajah-7571	503	19	-	-	PUNCT
iaajah-7571	503	20	ready	ready	ADJ
iaajah-7571	503	21	institutions	institution	NOUN
iaajah-7571	503	22	in	in	ADP
iaajah-7571	503	23	a	a	DET
iaajah-7571	503	24	rapidly	rapidly	ADV
iaajah-7571	503	25	digitizing	digitize	VERB
iaajah-7571	503	26	world	world	NOUN
iaajah-7571	503	27	.	.	PUNCT
iaajah-7571	504	1	the	the	DET
iaajah-7571	504	2	integration	integration	NOUN
iaajah-7571	504	3	of	of	ADP
iaajah-7571	504	4	information	information	NOUN
iaajah-7571	504	5	and	and	CCONJ
iaajah-7571	504	6	communication	communication	NOUN
iaajah-7571	504	7	technology	technology	NOUN
iaajah-7571	504	8	(	(	PUNCT
iaajah-7571	504	9	ict	ict	PROPN
iaajah-7571	504	10	)	)	PUNCT
iaajah-7571	504	11	into	into	ADP
iaajah-7571	504	12	the	the	DET
iaajah-7571	504	13	internal	internal	ADJ
iaajah-7571	504	14	communication	communication	NOUN
iaajah-7571	504	15	structures	structure	NOUN
iaajah-7571	504	16	of	of	ADP
iaajah-7571	504	17	nigerian	nigerian	ADJ
iaajah-7571	504	18	cooperative	cooperative	ADJ
iaajah-7571	504	19	societies	society	NOUN
iaajah-7571	504	20	represents	represent	VERB
iaajah-7571	504	21	both	both	CCONJ
iaajah-7571	504	22	a	a	DET
iaajah-7571	504	23	necessary	necessary	ADJ
iaajah-7571	504	24	evolution	evolution	NOUN
iaajah-7571	504	25	and	and	CCONJ
iaajah-7571	504	26	a	a	DET
iaajah-7571	504	27	strategic	strategic	ADJ
iaajah-7571	504	28	imperative	imperative	NOUN
iaajah-7571	504	29	in	in	ADP
iaajah-7571	504	30	today	today	NOUN
iaajah-7571	504	31	’s	’s	PART
iaajah-7571	504	32	digital	digital	ADJ
iaajah-7571	504	33	economy	economy	NOUN
iaajah-7571	504	34	.	.	PUNCT
iaajah-7571	505	1	as	as	SCONJ
iaajah-7571	505	2	demonstrated	demonstrate	VERB
iaajah-7571	505	3	throughout	throughout	ADP
iaajah-7571	505	4	this	this	DET
iaajah-7571	505	5	chapter	chapter	NOUN
iaajah-7571	505	6	,	,	PUNCT
iaajah-7571	505	7	cooperatives	cooperative	NOUN
iaajah-7571	505	8	long	long	ADV
iaajah-7571	505	9	recognized	recognize	VERB
iaajah-7571	505	10	for	for	ADP
iaajah-7571	505	11	their	their	PRON
iaajah-7571	505	12	role	role	NOUN
iaajah-7571	505	13	in	in	ADP
iaajah-7571	505	14	grassroots	grassroots	ADJ
iaajah-7571	505	15	economic	economic	ADJ
iaajah-7571	505	16	empowerment	empowerment	NOUN
iaajah-7571	505	17	stand	stand	NOUN
iaajah-7571	505	18	to	to	PART
iaajah-7571	505	19	gain	gain	VERB
iaajah-7571	505	20	igwebuike	igwebuike	NOUN
iaajah-7571	505	21	:	:	PUNCT
iaajah-7571	505	22	an	an	DET
iaajah-7571	505	23	african	african	ADJ
iaajah-7571	505	24	journal	journal	NOUN
iaajah-7571	505	25	of	of	ADP
iaajah-7571	505	26	arts	art	NOUN
iaajah-7571	505	27	and	and	CCONJ
iaajah-7571	505	28	humanities	humanity	NOUN
iaajah-7571	505	29	vol	vol	NOUN
iaajah-7571	505	30	.	.	PUNCT
iaajah-7571	506	1	11	11	NUM
iaajah-7571	506	2	.	.	PUNCT
iaajah-7571	507	1	no	no	INTJ
iaajah-7571	507	2	.	.	NOUN
iaajah-7571	507	3	7	7	NUM
iaajah-7571	507	4	,	,	PUNCT
iaajah-7571	507	5	(	(	PUNCT
iaajah-7571	507	6	2025	2025	NUM
iaajah-7571	507	7	)	)	PUNCT
iaajah-7571	507	8	issn	issn	PROPN
iaajah-7571	507	9	:	:	PUNCT
iaajah-7571	507	10	24889210	24889210	NUM
iaajah-7571	507	11	(	(	PUNCT
iaajah-7571	507	12	print	print	NOUN
iaajah-7571	507	13	)	)	PUNCT
iaajah-7571	507	14	2504	2504	NUM
iaajah-7571	507	15	-	-	SYM
iaajah-7571	507	16	9038	9038	NUM
iaajah-7571	507	17	(	(	PUNCT
iaajah-7571	507	18	online	online	NOUN
iaajah-7571	507	19	)	)	PUNCT
iaajah-7571	507	20	dept	dept	NOUN
iaajah-7571	507	21	.	.	PROPN
iaajah-7571	508	1	of	of	ADP
iaajah-7571	508	2	philosophy	philosophy	NOUN
iaajah-7571	508	3	and	and	CCONJ
iaajah-7571	508	4	religious	religious	ADJ
iaajah-7571	508	5	studies	study	NOUN
iaajah-7571	508	6	,	,	PUNCT
iaajah-7571	508	7	tansian	tansian	PROPN
iaajah-7571	508	8	university	university	PROPN
iaajah-7571	508	9	umunya	umunya	PROPN
iaajah-7571	508	10	indexed	indexed	PROPN
iaajah-7571	508	11	:	:	PUNCT
iaajah-7571	508	12	academic	academic	ADJ
iaajah-7571	508	13	journals	journal	NOUN
iaajah-7571	508	14	online	online	ADV
iaajah-7571	508	15	,	,	PUNCT
iaajah-7571	508	16	google	google	PROPN
iaajah-7571	508	17	scholar	scholar	NOUN
iaajah-7571	508	18	,	,	PUNCT
iaajah-7571	508	19	igwebuike	igwebuike	PROPN
iaajah-7571	508	20	research	research	PROPN
iaajah-7571	508	21	institute	institute	NOUN
iaajah-7571	508	22	87	87	NUM
iaajah-7571	508	23	significantly	significantly	ADV
iaajah-7571	508	24	from	from	ADP
iaajah-7571	508	25	embracing	embrace	VERB
iaajah-7571	508	26	digital	digital	ADJ
iaajah-7571	508	27	tools	tool	NOUN
iaajah-7571	508	28	that	that	PRON
iaajah-7571	508	29	enhance	enhance	VERB
iaajah-7571	508	30	transparency	transparency	NOUN
iaajah-7571	508	31	,	,	PUNCT
iaajah-7571	508	32	speed	speed	NOUN
iaajah-7571	508	33	,	,	PUNCT
iaajah-7571	508	34	engagement	engagement	NOUN
iaajah-7571	508	35	,	,	PUNCT
iaajah-7571	508	36	and	and	CCONJ
iaajah-7571	508	37	recordkeeping	recordkeeping	NOUN
iaajah-7571	508	38	.	.	PUNCT
iaajah-7571	509	1	the	the	DET
iaajah-7571	509	2	chapter	chapter	NOUN
iaajah-7571	509	3	has	have	AUX
iaajah-7571	509	4	established	establish	VERB
iaajah-7571	509	5	that	that	SCONJ
iaajah-7571	509	6	ict	ict	NOUN
iaajah-7571	509	7	tools	tool	NOUN
iaajah-7571	509	8	such	such	ADJ
iaajah-7571	509	9	as	as	ADP
iaajah-7571	509	10	mobile	mobile	ADJ
iaajah-7571	509	11	phones	phone	NOUN
iaajah-7571	509	12	,	,	PUNCT
iaajah-7571	509	13	whatsapp	whatsapp	NOUN
iaajah-7571	509	14	,	,	PUNCT
iaajah-7571	509	15	email	email	NOUN
iaajah-7571	509	16	,	,	PUNCT
iaajah-7571	509	17	cooperative	cooperative	ADJ
iaajah-7571	509	18	management	management	NOUN
iaajah-7571	509	19	software	software	NOUN
iaajah-7571	509	20	,	,	PUNCT
iaajah-7571	509	21	and	and	CCONJ
iaajah-7571	509	22	mobile	mobile	ADJ
iaajah-7571	509	23	money	money	NOUN
iaajah-7571	509	24	platforms	platform	NOUN
iaajah-7571	509	25	are	be	AUX
iaajah-7571	509	26	being	be	AUX
iaajah-7571	509	27	increasingly	increasingly	ADV
iaajah-7571	509	28	adopted	adopt	VERB
iaajah-7571	509	29	,	,	PUNCT
iaajah-7571	509	30	albeit	albeit	SCONJ
iaajah-7571	509	31	unevenly	unevenly	ADV
iaajah-7571	509	32	.	.	PUNCT
iaajah-7571	510	1	these	these	DET
iaajah-7571	510	2	tools	tool	NOUN
iaajah-7571	510	3	serve	serve	VERB
iaajah-7571	510	4	not	not	PART
iaajah-7571	510	5	only	only	ADV
iaajah-7571	510	6	as	as	ADP
iaajah-7571	510	7	communication	communication	NOUN
iaajah-7571	510	8	channels	channel	NOUN
iaajah-7571	510	9	but	but	CCONJ
iaajah-7571	510	10	also	also	ADV
iaajah-7571	510	11	as	as	ADP
iaajah-7571	510	12	facilitators	facilitator	NOUN
iaajah-7571	510	13	of	of	ADP
iaajah-7571	510	14	democratic	democratic	ADJ
iaajah-7571	510	15	participation	participation	NOUN
iaajah-7571	510	16	,	,	PUNCT
iaajah-7571	510	17	financial	financial	ADJ
iaajah-7571	510	18	accountability	accountability	NOUN
iaajah-7571	510	19	,	,	PUNCT
iaajah-7571	510	20	and	and	CCONJ
iaajah-7571	510	21	operational	operational	ADJ
iaajah-7571	510	22	efficiency	efficiency	NOUN
iaajah-7571	510	23	.	.	PUNCT
iaajah-7571	511	1	cooperatives	cooperative	NOUN
iaajah-7571	511	2	that	that	PRON
iaajah-7571	511	3	leverage	leverage	VERB
iaajah-7571	511	4	these	these	DET
iaajah-7571	511	5	tools	tool	NOUN
iaajah-7571	511	6	can	can	AUX
iaajah-7571	511	7	better	well	ADV
iaajah-7571	511	8	mobilize	mobilize	VERB
iaajah-7571	511	9	members	member	NOUN
iaajah-7571	511	10	,	,	PUNCT
iaajah-7571	511	11	disseminate	disseminate	VERB
iaajah-7571	511	12	critical	critical	ADJ
iaajah-7571	511	13	information	information	NOUN
iaajah-7571	511	14	,	,	PUNCT
iaajah-7571	511	15	manage	manage	VERB
iaajah-7571	511	16	resources	resource	NOUN
iaajah-7571	511	17	transparently	transparently	ADV
iaajah-7571	511	18	,	,	PUNCT
iaajah-7571	511	19	and	and	CCONJ
iaajah-7571	511	20	respond	respond	VERB
iaajah-7571	511	21	to	to	ADP
iaajah-7571	511	22	both	both	DET
iaajah-7571	511	23	opportunities	opportunity	NOUN
iaajah-7571	511	24	and	and	CCONJ
iaajah-7571	511	25	crises	crisis	NOUN
iaajah-7571	511	26	in	in	ADP
iaajah-7571	511	27	real	real	ADJ
iaajah-7571	511	28	time	time	NOUN
iaajah-7571	511	29	.	.	PUNCT
iaajah-7571	512	1	however	however	ADV
iaajah-7571	512	2	,	,	PUNCT
iaajah-7571	512	3	despite	despite	SCONJ
iaajah-7571	512	4	these	these	DET
iaajah-7571	512	5	benefits	benefit	NOUN
iaajah-7571	512	6	,	,	PUNCT
iaajah-7571	512	7	the	the	DET
iaajah-7571	512	8	widespread	widespread	ADJ
iaajah-7571	512	9	adoption	adoption	NOUN
iaajah-7571	512	10	of	of	ADP
iaajah-7571	512	11	ict	ict	PROPN
iaajah-7571	512	12	remains	remain	VERB
iaajah-7571	512	13	constrained	constrain	VERB
iaajah-7571	512	14	by	by	ADP
iaajah-7571	512	15	several	several	ADJ
iaajah-7571	512	16	challenges	challenge	NOUN
iaajah-7571	512	17	including	include	VERB
iaajah-7571	512	18	limited	limit	VERB
iaajah-7571	512	19	digital	digital	ADJ
iaajah-7571	512	20	literacy	literacy	NOUN
iaajah-7571	512	21	,	,	PUNCT
iaajah-7571	512	22	poor	poor	ADJ
iaajah-7571	512	23	infrastructure	infrastructure	NOUN
iaajah-7571	512	24	,	,	PUNCT
iaajah-7571	512	25	high	high	ADJ
iaajah-7571	512	26	costs	cost	NOUN
iaajah-7571	512	27	,	,	PUNCT
iaajah-7571	512	28	cultural	cultural	ADJ
iaajah-7571	512	29	resistance	resistance	NOUN
iaajah-7571	512	30	,	,	PUNCT
iaajah-7571	512	31	and	and	CCONJ
iaajah-7571	512	32	lack	lack	NOUN
iaajah-7571	512	33	of	of	ADP
iaajah-7571	512	34	institutional	institutional	ADJ
iaajah-7571	512	35	support	support	NOUN
iaajah-7571	512	36	.	.	PUNCT
iaajah-7571	513	1	these	these	DET
iaajah-7571	513	2	barriers	barrier	NOUN
iaajah-7571	513	3	are	be	AUX
iaajah-7571	513	4	more	more	ADV
iaajah-7571	513	5	pronounced	pronounced	ADJ
iaajah-7571	513	6	in	in	ADP
iaajah-7571	513	7	rural	rural	ADJ
iaajah-7571	513	8	and	and	CCONJ
iaajah-7571	513	9	informal	informal	ADJ
iaajah-7571	513	10	cooperatives	cooperative	NOUN
iaajah-7571	513	11	,	,	PUNCT
iaajah-7571	513	12	where	where	SCONJ
iaajah-7571	513	13	the	the	DET
iaajah-7571	513	14	digital	digital	ADJ
iaajah-7571	513	15	divide	divide	NOUN
iaajah-7571	513	16	threatens	threaten	VERB
iaajah-7571	513	17	to	to	PART
iaajah-7571	513	18	widen	widen	VERB
iaajah-7571	513	19	existing	exist	VERB
iaajah-7571	513	20	inequalities	inequality	NOUN
iaajah-7571	513	21	and	and	CCONJ
iaajah-7571	513	22	limit	limit	VERB
iaajah-7571	513	23	access	access	NOUN
iaajah-7571	513	24	to	to	ADP
iaajah-7571	513	25	modern	modern	ADJ
iaajah-7571	513	26	tools	tool	NOUN
iaajah-7571	513	27	that	that	PRON
iaajah-7571	513	28	could	could	AUX
iaajah-7571	513	29	otherwise	otherwise	ADV
iaajah-7571	513	30	uplift	uplift	VERB
iaajah-7571	513	31	their	their	PRON
iaajah-7571	513	32	operations	operation	NOUN
iaajah-7571	513	33	.	.	PUNCT
iaajah-7571	514	1	to	to	PART
iaajah-7571	514	2	address	address	VERB
iaajah-7571	514	3	these	these	DET
iaajah-7571	514	4	gaps	gap	NOUN
iaajah-7571	514	5	,	,	PUNCT
iaajah-7571	514	6	the	the	DET
iaajah-7571	514	7	chapter	chapter	NOUN
iaajah-7571	514	8	has	have	AUX
iaajah-7571	514	9	proposed	propose	VERB
iaajah-7571	514	10	practical	practical	ADJ
iaajah-7571	514	11	recommendations	recommendation	NOUN
iaajah-7571	514	12	,	,	PUNCT
iaajah-7571	514	13	such	such	ADJ
iaajah-7571	514	14	as	as	ADP
iaajah-7571	514	15	launching	launch	VERB
iaajah-7571	514	16	cooperative	cooperative	ADJ
iaajah-7571	514	17	-	-	PUNCT
iaajah-7571	514	18	specific	specific	ADJ
iaajah-7571	514	19	digital	digital	ADJ
iaajah-7571	514	20	literacy	literacy	NOUN
iaajah-7571	514	21	programs	program	NOUN
iaajah-7571	514	22	,	,	PUNCT
iaajah-7571	514	23	improving	improve	VERB
iaajah-7571	514	24	rural	rural	ADJ
iaajah-7571	514	25	ict	ict	NOUN
iaajah-7571	514	26	infrastructure	infrastructure	NOUN
iaajah-7571	514	27	,	,	PUNCT
iaajah-7571	514	28	subsidizing	subsidize	VERB
iaajah-7571	514	29	digital	digital	ADJ
iaajah-7571	514	30	access	access	NOUN
iaajah-7571	514	31	,	,	PUNCT
iaajah-7571	514	32	encouraging	encourage	VERB
iaajah-7571	514	33	leadership	leadership	NOUN
iaajah-7571	514	34	buy	buy	NOUN
iaajah-7571	514	35	-	-	PUNCT
iaajah-7571	514	36	in	in	NOUN
iaajah-7571	514	37	,	,	PUNCT
iaajah-7571	514	38	simplifying	simplify	VERB
iaajah-7571	514	39	tools	tool	NOUN
iaajah-7571	514	40	,	,	PUNCT
iaajah-7571	514	41	and	and	CCONJ
iaajah-7571	514	42	developing	develop	VERB
iaajah-7571	514	43	a	a	DET
iaajah-7571	514	44	national	national	ADJ
iaajah-7571	514	45	cooperative	cooperative	ADJ
iaajah-7571	514	46	ict	ict	NOUN
iaajah-7571	514	47	policy	policy	NOUN
iaajah-7571	514	48	framework	framework	NOUN
iaajah-7571	514	49	.	.	PUNCT
iaajah-7571	515	1	strategic	strategic	ADJ
iaajah-7571	515	2	partnerships	partnership	NOUN
iaajah-7571	515	3	with	with	ADP
iaajah-7571	515	4	ict	ict	PROPN
iaajah-7571	515	5	stakeholders	stakeholder	NOUN
iaajah-7571	515	6	and	and	CCONJ
iaajah-7571	515	7	the	the	DET
iaajah-7571	515	8	embedding	embedding	NOUN
iaajah-7571	515	9	of	of	ADP
iaajah-7571	515	10	ict	ict	PROPN
iaajah-7571	515	11	in	in	ADP
iaajah-7571	515	12	cooperative	cooperative	ADJ
iaajah-7571	515	13	education	education	NOUN
iaajah-7571	515	14	and	and	CCONJ
iaajah-7571	515	15	governance	governance	NOUN
iaajah-7571	515	16	structures	structure	NOUN
iaajah-7571	515	17	were	be	AUX
iaajah-7571	515	18	also	also	ADV
iaajah-7571	515	19	emphasized	emphasize	VERB
iaajah-7571	515	20	as	as	ADP
iaajah-7571	515	21	vital	vital	ADJ
iaajah-7571	515	22	pathways	pathway	NOUN
iaajah-7571	515	23	for	for	ADP
iaajah-7571	515	24	sustainable	sustainable	ADJ
iaajah-7571	515	25	transformation	transformation	NOUN
iaajah-7571	515	26	.	.	PUNCT
iaajah-7571	516	1	ultimately	ultimately	ADV
iaajah-7571	516	2	,	,	PUNCT
iaajah-7571	516	3	for	for	SCONJ
iaajah-7571	516	4	nigerian	nigerian	ADJ
iaajah-7571	516	5	cooperatives	cooperative	NOUN
iaajah-7571	516	6	to	to	PART
iaajah-7571	516	7	remain	remain	VERB
iaajah-7571	516	8	relevant	relevant	ADJ
iaajah-7571	516	9	,	,	PUNCT
iaajah-7571	516	10	resilient	resilient	ADJ
iaajah-7571	516	11	,	,	PUNCT
iaajah-7571	516	12	and	and	CCONJ
iaajah-7571	516	13	responsive	responsive	ADJ
iaajah-7571	516	14	to	to	ADP
iaajah-7571	516	15	member	member	NOUN
iaajah-7571	516	16	needs	need	NOUN
iaajah-7571	516	17	,	,	PUNCT
iaajah-7571	516	18	they	they	PRON
iaajah-7571	516	19	must	must	AUX
iaajah-7571	516	20	embrace	embrace	VERB
iaajah-7571	516	21	the	the	DET
iaajah-7571	516	22	digital	digital	ADJ
iaajah-7571	516	23	future	future	NOUN
iaajah-7571	516	24	with	with	ADP
iaajah-7571	516	25	intentionality	intentionality	NOUN
iaajah-7571	516	26	and	and	CCONJ
iaajah-7571	516	27	inclusiveness	inclusiveness	NOUN
iaajah-7571	516	28	.	.	PUNCT
iaajah-7571	517	1	ict	ict	NOUN
iaajah-7571	517	2	adoption	adoption	NOUN
iaajah-7571	517	3	should	should	AUX
iaajah-7571	517	4	not	not	PART
iaajah-7571	517	5	be	be	AUX
iaajah-7571	517	6	viewed	view	VERB
iaajah-7571	517	7	as	as	ADP
iaajah-7571	517	8	a	a	DET
iaajah-7571	517	9	luxury	luxury	NOUN
iaajah-7571	517	10	or	or	CCONJ
iaajah-7571	517	11	optional	optional	ADJ
iaajah-7571	517	12	upgrade	upgrade	NOUN
iaajah-7571	517	13	but	but	CCONJ
iaajah-7571	517	14	as	as	ADP
iaajah-7571	517	15	a	a	DET
iaajah-7571	517	16	foundational	foundational	ADJ
iaajah-7571	517	17	component	component	NOUN
iaajah-7571	517	18	of	of	ADP
iaajah-7571	517	19	modern	modern	ADJ
iaajah-7571	517	20	cooperative	cooperative	ADJ
iaajah-7571	517	21	governance	governance	NOUN
iaajah-7571	517	22	.	.	PUNCT
iaajah-7571	518	1	as	as	SCONJ
iaajah-7571	518	2	global	global	ADJ
iaajah-7571	518	3	trends	trend	NOUN
iaajah-7571	518	4	shift	shift	VERB
iaajah-7571	518	5	toward	toward	ADP
iaajah-7571	518	6	e	e	NOUN
iaajah-7571	518	7	-	-	NOUN
iaajah-7571	518	8	cooperatives	cooperative	NOUN
iaajah-7571	518	9	,	,	PUNCT
iaajah-7571	518	10	virtual	virtual	ADJ
iaajah-7571	518	11	communities	community	NOUN
iaajah-7571	518	12	,	,	PUNCT
iaajah-7571	518	13	and	and	CCONJ
iaajah-7571	518	14	digitally	digitally	ADV
iaajah-7571	518	15	enabled	enable	VERB
iaajah-7571	518	16	value	value	NOUN
iaajah-7571	518	17	chains	chain	NOUN
iaajah-7571	518	18	,	,	PUNCT
iaajah-7571	518	19	nigerian	nigerian	ADJ
iaajah-7571	518	20	cooperatives	cooperative	NOUN
iaajah-7571	518	21	have	have	VERB
iaajah-7571	518	22	an	an	DET
iaajah-7571	518	23	urgent	urgent	ADJ
iaajah-7571	518	24	opportunity	opportunity	NOUN
iaajah-7571	518	25	to	to	PART
iaajah-7571	518	26	innovate	innovate	VERB
iaajah-7571	518	27	,	,	PUNCT
iaajah-7571	518	28	adapt	adapt	VERB
iaajah-7571	518	29	,	,	PUNCT
iaajah-7571	518	30	and	and	CCONJ
iaajah-7571	518	31	lead	lead	VERB
iaajah-7571	518	32	in	in	ADP
iaajah-7571	518	33	ways	way	NOUN
iaajah-7571	518	34	that	that	PRON
iaajah-7571	518	35	are	be	AUX
iaajah-7571	518	36	both	both	ADV
iaajah-7571	518	37	locally	locally	ADV
iaajah-7571	518	38	rooted	root	VERB
iaajah-7571	518	39	and	and	CCONJ
iaajah-7571	518	40	globally	globally	ADV
iaajah-7571	518	41	connected	connect	VERB
iaajah-7571	518	42	.	.	PUNCT
iaajah-7571	519	1	the	the	DET
iaajah-7571	519	2	road	road	NOUN
iaajah-7571	519	3	ahead	ahead	ADV
iaajah-7571	519	4	requires	require	VERB
iaajah-7571	519	5	investment	investment	NOUN
iaajah-7571	519	6	,	,	PUNCT
iaajah-7571	519	7	collaboration	collaboration	NOUN
iaajah-7571	519	8	,	,	PUNCT
iaajah-7571	519	9	and	and	CCONJ
iaajah-7571	519	10	a	a	DET
iaajah-7571	519	11	reimagining	reimagining	NOUN
iaajah-7571	519	12	of	of	ADP
iaajah-7571	519	13	how	how	SCONJ
iaajah-7571	519	14	communication	communication	NOUN
iaajah-7571	519	15	,	,	PUNCT
iaajah-7571	519	16	trust	trust	NOUN
iaajah-7571	519	17	,	,	PUNCT
iaajah-7571	519	18	and	and	CCONJ
iaajah-7571	519	19	participation	participation	NOUN
iaajah-7571	519	20	are	be	AUX
iaajah-7571	519	21	cultivated	cultivate	VERB
iaajah-7571	519	22	in	in	ADP
iaajah-7571	519	23	the	the	DET
iaajah-7571	519	24	digital	digital	ADJ
iaajah-7571	519	25	age	age	NOUN
iaajah-7571	519	26	.	.	PUNCT
iaajah-7571	520	1	with	with	ADP
iaajah-7571	520	2	the	the	DET
iaajah-7571	520	3	right	right	ADJ
iaajah-7571	520	4	policies	policy	NOUN
iaajah-7571	520	5	,	,	PUNCT
iaajah-7571	520	6	tools	tool	NOUN
iaajah-7571	520	7	,	,	PUNCT
iaajah-7571	520	8	and	and	CCONJ
iaajah-7571	520	9	mindset	mindset	NOUN
iaajah-7571	520	10	,	,	PUNCT
iaajah-7571	520	11	cooperative	cooperative	ADJ
iaajah-7571	520	12	societies	society	NOUN
iaajah-7571	520	13	in	in	ADP
iaajah-7571	520	14	nigeria	nigeria	PROPN
iaajah-7571	520	15	can	can	AUX
iaajah-7571	520	16	successfully	successfully	ADV
iaajah-7571	520	17	harness	harness	VERB
iaajah-7571	520	18	ict	ict	NOUN
iaajah-7571	520	19	not	not	PART
iaajah-7571	520	20	only	only	ADV
iaajah-7571	520	21	to	to	PART
iaajah-7571	520	22	improve	improve	VERB
iaajah-7571	520	23	internal	internal	ADJ
iaajah-7571	520	24	communication	communication	NOUN
iaajah-7571	520	25	but	but	CCONJ
iaajah-7571	520	26	also	also	ADV
iaajah-7571	520	27	to	to	PART
iaajah-7571	520	28	strengthen	strengthen	VERB
iaajah-7571	520	29	their	their	PRON
iaajah-7571	520	30	collective	collective	ADJ
iaajah-7571	520	31	impact	impact	NOUN
iaajah-7571	520	32	on	on	ADP
iaajah-7571	520	33	national	national	ADJ
iaajah-7571	520	34	development	development	NOUN
iaajah-7571	520	35	and	and	CCONJ
iaajah-7571	520	36	social	social	ADJ
iaajah-7571	520	37	transformation	transformation	NOUN
iaajah-7571	520	38	.	.	PUNCT
iaajah-7571	521	1	references	reference	NOUN
iaajah-7571	521	2	chambo	chambo	PROPN
iaajah-7571	521	3	,	,	PUNCT
iaajah-7571	521	4	s.	s.	PROPN
iaajah-7571	521	5	a.	a.	PROPN
iaajah-7571	521	6	(	(	PUNCT
iaajah-7571	521	7	2009	2009	NUM
iaajah-7571	521	8	)	)	PUNCT
iaajah-7571	521	9	.	.	PUNCT
iaajah-7571	522	1	agricultural	agricultural	ADJ
iaajah-7571	522	2	cooperatives	cooperative	NOUN
iaajah-7571	522	3	:	:	PUNCT
iaajah-7571	522	4	role	role	NOUN
iaajah-7571	522	5	in	in	ADP
iaajah-7571	522	6	food	food	NOUN
iaajah-7571	522	7	security	security	NOUN
iaajah-7571	522	8	and	and	CCONJ
iaajah-7571	522	9	rural	rural	ADJ
iaajah-7571	522	10	development	development	NOUN
iaajah-7571	522	11	.	.	PUNCT
iaajah-7571	523	1	international	international	ADJ
iaajah-7571	523	2	cooperative	cooperative	ADJ
iaajah-7571	523	3	alliance	alliance	NOUN
iaajah-7571	523	4	.	.	PUNCT
iaajah-7571	524	1	unesco	unesco	PROPN
iaajah-7571	524	2	.	.	PUNCT
iaajah-7571	525	1	(	(	PUNCT
iaajah-7571	525	2	2019	2019	NUM
iaajah-7571	525	3	)	)	PUNCT
iaajah-7571	525	4	.	.	PUNCT
iaajah-7571	526	1	ict	ict	PROPN
iaajah-7571	526	2	in	in	ADP
iaajah-7571	526	3	education	education	NOUN
iaajah-7571	526	4	.	.	PUNCT
iaajah-7571	527	1	https://en.unesco.org/themes/ict-education	https://en.unesco.org/themes/ict-education	NOUN
iaajah-7571	527	2	cornelissen	cornelissen	PROPN
iaajah-7571	527	3	,	,	PUNCT
iaajah-7571	527	4	j.	j.	PROPN
iaajah-7571	527	5	(	(	PUNCT
iaajah-7571	527	6	2020	2020	NUM
iaajah-7571	527	7	)	)	PUNCT
iaajah-7571	527	8	.	.	PUNCT
iaajah-7571	528	1	corporate	corporate	ADJ
iaajah-7571	528	2	communication	communication	NOUN
iaajah-7571	528	3	:	:	PUNCT
iaajah-7571	528	4	a	a	DET
iaajah-7571	528	5	guide	guide	NOUN
iaajah-7571	528	6	to	to	ADP
iaajah-7571	528	7	theory	theory	NOUN
iaajah-7571	528	8	and	and	CCONJ
iaajah-7571	528	9	practice	practice	NOUN
iaajah-7571	528	10	(	(	PUNCT
iaajah-7571	528	11	6th	6th	ADJ
iaajah-7571	528	12	ed	ed	NOUN
iaajah-7571	528	13	.	.	PUNCT
iaajah-7571	528	14	)	)	PUNCT
iaajah-7571	528	15	.	.	PUNCT
iaajah-7571	529	1	sage	sage	NOUN
iaajah-7571	529	2	publications	publication	NOUN
iaajah-7571	529	3	.	.	PUNCT
iaajah-7571	530	1	igwebuike	igwebuike	NOUN
iaajah-7571	530	2	:	:	PUNCT
iaajah-7571	530	3	an	an	DET
iaajah-7571	530	4	african	african	ADJ
iaajah-7571	530	5	journal	journal	NOUN
iaajah-7571	530	6	of	of	ADP
iaajah-7571	530	7	arts	art	NOUN
iaajah-7571	530	8	and	and	CCONJ
iaajah-7571	530	9	humanities	humanity	NOUN
iaajah-7571	530	10	vol	vol	NOUN
iaajah-7571	530	11	.	.	PUNCT
iaajah-7571	531	1	11	11	NUM
iaajah-7571	531	2	.	.	PUNCT
iaajah-7571	532	1	no	no	INTJ
iaajah-7571	532	2	.	.	NOUN
iaajah-7571	532	3	7	7	NUM
iaajah-7571	532	4	,	,	PUNCT
iaajah-7571	532	5	(	(	PUNCT
iaajah-7571	532	6	2025	2025	NUM
iaajah-7571	532	7	)	)	PUNCT
iaajah-7571	532	8	issn	issn	PROPN
iaajah-7571	532	9	:	:	PUNCT
iaajah-7571	532	10	24889210	24889210	NUM
iaajah-7571	532	11	(	(	PUNCT
iaajah-7571	532	12	print	print	NOUN
iaajah-7571	532	13	)	)	PUNCT
iaajah-7571	532	14	2504	2504	NUM
iaajah-7571	532	15	-	-	SYM
iaajah-7571	532	16	9038	9038	NUM
iaajah-7571	532	17	(	(	PUNCT
iaajah-7571	532	18	online	online	NOUN
iaajah-7571	532	19	)	)	PUNCT
iaajah-7571	532	20	dept	dept	NOUN
iaajah-7571	532	21	.	.	PROPN
iaajah-7571	533	1	of	of	ADP
iaajah-7571	533	2	philosophy	philosophy	NOUN
iaajah-7571	533	3	and	and	CCONJ
iaajah-7571	533	4	religious	religious	ADJ
iaajah-7571	533	5	studies	study	NOUN
iaajah-7571	533	6	,	,	PUNCT
iaajah-7571	533	7	tansian	tansian	PROPN
iaajah-7571	533	8	university	university	PROPN
iaajah-7571	533	9	umunya	umunya	PROPN
iaajah-7571	533	10	indexed	indexed	PROPN
iaajah-7571	533	11	:	:	PUNCT
iaajah-7571	533	12	academic	academic	ADJ
iaajah-7571	533	13	journals	journal	NOUN
iaajah-7571	533	14	online	online	ADV
iaajah-7571	533	15	,	,	PUNCT
iaajah-7571	533	16	google	google	PROPN
iaajah-7571	533	17	scholar	scholar	NOUN
iaajah-7571	533	18	,	,	PUNCT
iaajah-7571	533	19	igwebuike	igwebuike	PROPN
iaajah-7571	533	20	research	research	PROPN
iaajah-7571	533	21	institute	institute	PROPN
iaajah-7571	534	1	88	88	NUM
iaajah-7571	534	2	davis	davis	PROPN
iaajah-7571	534	3	,	,	PUNCT
iaajah-7571	534	4	f.	f.	PROPN
iaajah-7571	534	5	d.	d.	PROPN
iaajah-7571	534	6	(	(	PUNCT
iaajah-7571	534	7	1989	1989	NUM
iaajah-7571	534	8	)	)	PUNCT
iaajah-7571	534	9	.	.	PUNCT
iaajah-7571	535	1	perceived	perceive	VERB
iaajah-7571	535	2	usefulness	usefulness	NOUN
iaajah-7571	535	3	,	,	PUNCT
iaajah-7571	535	4	perceived	perceive	VERB
iaajah-7571	535	5	ease	ease	NOUN
iaajah-7571	535	6	of	of	ADP
iaajah-7571	535	7	use	use	NOUN
iaajah-7571	535	8	,	,	PUNCT
iaajah-7571	535	9	and	and	CCONJ
iaajah-7571	535	10	user	user	NOUN
iaajah-7571	535	11	acceptance	acceptance	NOUN
iaajah-7571	535	12	of	of	ADP
iaajah-7571	535	13	information	information	NOUN
iaajah-7571	535	14	technology	technology	NOUN
iaajah-7571	535	15	.	.	PUNCT
iaajah-7571	536	1	mis	mis	PROPN
iaajah-7571	536	2	quarterly	quarterly	PROPN
iaajah-7571	536	3	,	,	PUNCT
iaajah-7571	536	4	13(3	13(3	NUM
iaajah-7571	536	5	)	)	PUNCT
iaajah-7571	536	6	,	,	PUNCT
iaajah-7571	536	7	319–340	319–340	NUM
iaajah-7571	536	8	.	.	PUNCT
iaajah-7571	537	1	https://doi.org/10.2307/249008	https://doi.org/10.2307/249008	PROPN
iaajah-7571	537	2	federal	federal	PROPN
iaajah-7571	537	3	ministry	ministry	PROPN
iaajah-7571	537	4	of	of	ADP
iaajah-7571	537	5	communications	communication	NOUN
iaajah-7571	537	6	and	and	CCONJ
iaajah-7571	537	7	digital	digital	ADJ
iaajah-7571	537	8	economy	economy	NOUN
iaajah-7571	537	9	.	.	PUNCT
iaajah-7571	538	1	(	(	PUNCT
iaajah-7571	538	2	2020	2020	NUM
iaajah-7571	538	3	)	)	PUNCT
iaajah-7571	538	4	.	.	PUNCT
iaajah-7571	539	1	national	national	ADJ
iaajah-7571	539	2	digital	digital	ADJ
iaajah-7571	539	3	economy	economy	NOUN
iaajah-7571	539	4	policy	policy	NOUN
iaajah-7571	539	5	and	and	CCONJ
iaajah-7571	539	6	strategy	strategy	NOUN
iaajah-7571	539	7	(	(	PUNCT
iaajah-7571	539	8	ndeps	ndep	NOUN
iaajah-7571	539	9	)	)	PUNCT
iaajah-7571	539	10	2020–2030	2020–2030	NUM
iaajah-7571	539	11	.	.	PUNCT
iaajah-7571	539	12	https://www.nitda.gov.ng	https://www.nitda.gov.ng	ADJ
iaajah-7571	539	13	gsma	gsma	NOUN
iaajah-7571	539	14	.	.	PUNCT
iaajah-7571	540	1	(	(	PUNCT
iaajah-7571	540	2	2022	2022	NUM
iaajah-7571	540	3	)	)	PUNCT
iaajah-7571	540	4	.	.	PUNCT
iaajah-7571	541	1	the	the	DET
iaajah-7571	541	2	mobile	mobile	ADJ
iaajah-7571	541	3	economy	economy	NOUN
iaajah-7571	541	4	sub	sub	ADJ
iaajah-7571	541	5	-	-	ADJ
iaajah-7571	541	6	saharan	saharan	ADJ
iaajah-7571	541	7	africa	africa	PROPN
iaajah-7571	541	8	2022	2022	NUM
iaajah-7571	541	9	.	.	PUNCT
iaajah-7571	542	1	https://www.gsma.com/mobileeconomy/sub-saharan-africa/	https://www.gsma.com/mobileeconomy/sub-saharan-africa/	ADP
iaajah-7571	542	2	international	international	ADJ
iaajah-7571	542	3	cooperative	cooperative	ADJ
iaajah-7571	542	4	alliance	alliance	NOUN
iaajah-7571	542	5	(	(	PUNCT
iaajah-7571	542	6	ica	ica	PROPN
iaajah-7571	542	7	)	)	PUNCT
iaajah-7571	542	8	.	.	PUNCT
iaajah-7571	543	1	(	(	PUNCT
iaajah-7571	543	2	2021	2021	NUM
iaajah-7571	543	3	)	)	PUNCT
iaajah-7571	543	4	.	.	PUNCT
iaajah-7571	544	1	what	what	PRON
iaajah-7571	544	2	is	be	AUX
iaajah-7571	544	3	a	a	DET
iaajah-7571	544	4	cooperative	cooperative	NOUN
iaajah-7571	544	5	?	?	PUNCT
iaajah-7571	545	1	https://www.ica.coop/en/cooperatives/what-is-a-cooperative	https://www.ica.coop/en/cooperatives/what-is-a-cooperative	ADJ
iaajah-7571	545	2	laudon	laudon	NOUN
iaajah-7571	545	3	,	,	PUNCT
iaajah-7571	545	4	k.	k.	PROPN
iaajah-7571	545	5	c.	c.	PROPN
iaajah-7571	545	6	,	,	PUNCT
iaajah-7571	545	7	&	&	CCONJ
iaajah-7571	545	8	laudon	laudon	PROPN
iaajah-7571	545	9	,	,	PUNCT
iaajah-7571	545	10	j.	j.	PROPN
iaajah-7571	545	11	p.	p.	PROPN
iaajah-7571	545	12	(	(	PUNCT
iaajah-7571	545	13	2020	2020	NUM
iaajah-7571	545	14	)	)	PUNCT
iaajah-7571	545	15	.	.	PUNCT
iaajah-7571	546	1	management	management	NOUN
iaajah-7571	546	2	information	information	NOUN
iaajah-7571	546	3	systems	system	NOUN
iaajah-7571	546	4	:	:	PUNCT
iaajah-7571	546	5	managing	manage	VERB
iaajah-7571	546	6	the	the	DET
iaajah-7571	546	7	digital	digital	ADJ
iaajah-7571	546	8	firm	firm	NOUN
iaajah-7571	546	9	(	(	PUNCT
iaajah-7571	546	10	16th	16th	ADJ
iaajah-7571	546	11	ed	ed	NOUN
iaajah-7571	546	12	.	.	PUNCT
iaajah-7571	546	13	)	)	PUNCT
iaajah-7571	546	14	.	.	PUNCT
iaajah-7571	547	1	pearson	pearson	PROPN
iaajah-7571	547	2	.	.	PROPN
iaajah-7571	547	3	mazzei	mazzei	PROPN
iaajah-7571	547	4	,	,	PUNCT
iaajah-7571	547	5	a.	a.	NOUN
iaajah-7571	547	6	(	(	PUNCT
iaajah-7571	547	7	2014	2014	NUM
iaajah-7571	547	8	)	)	PUNCT
iaajah-7571	547	9	.	.	PUNCT
iaajah-7571	548	1	internal	internal	ADJ
iaajah-7571	548	2	communication	communication	NOUN
iaajah-7571	548	3	for	for	ADP
iaajah-7571	548	4	employee	employee	NOUN
iaajah-7571	548	5	enablement	enablement	NOUN
iaajah-7571	548	6	:	:	PUNCT
iaajah-7571	548	7	strategies	strategy	NOUN
iaajah-7571	548	8	in	in	ADP
iaajah-7571	548	9	italian	italian	ADJ
iaajah-7571	548	10	companies	company	NOUN
iaajah-7571	548	11	.	.	PUNCT
iaajah-7571	549	1	corporate	corporate	ADJ
iaajah-7571	549	2	communications	communication	NOUN
iaajah-7571	549	3	:	:	PUNCT
iaajah-7571	549	4	an	an	DET
iaajah-7571	549	5	international	international	ADJ
iaajah-7571	549	6	journal	journal	NOUN
iaajah-7571	549	7	,	,	PUNCT
iaajah-7571	549	8	19(1	19(1	NUM
iaajah-7571	549	9	)	)	PUNCT
iaajah-7571	549	10	,	,	PUNCT
iaajah-7571	549	11	82–95	82–95	NUM
iaajah-7571	549	12	.	.	PUNCT
iaajah-7571	550	1	https://doi.org/10.1108/ccij-08-2012-0060	https://doi.org/10.1108/ccij-08-2012-0060	NOUN
iaajah-7571	550	2	nigerian	nigerian	PROPN
iaajah-7571	550	3	communications	communication	NOUN
iaajah-7571	550	4	commission	commission	NOUN
iaajah-7571	550	5	(	(	PUNCT
iaajah-7571	550	6	ncc	ncc	NOUN
iaajah-7571	550	7	)	)	PUNCT
iaajah-7571	550	8	.	.	PUNCT
iaajah-7571	551	1	(	(	PUNCT
iaajah-7571	551	2	2023	2023	NUM
iaajah-7571	551	3	)	)	PUNCT
iaajah-7571	551	4	.	.	PUNCT
iaajah-7571	552	1	industry	industry	NOUN
iaajah-7571	552	2	statistics	statistic	NOUN
iaajah-7571	552	3	:	:	PUNCT
iaajah-7571	552	4	subscriber	subscriber	NOUN
iaajah-7571	552	5	data	data	PROPN
iaajah-7571	552	6	.	.	PUNCT
iaajah-7571	553	1	https://www.ncc.gov.ng/statistics-reports/industry-overview	https://www.ncc.gov.ng/statistics-reports/industry-overview	PROPN
iaajah-7571	553	2	rogers	rogers	PROPN
iaajah-7571	553	3	,	,	PUNCT
iaajah-7571	553	4	e.	e.	PROPN
iaajah-7571	553	5	m.	m.	PROPN
iaajah-7571	553	6	(	(	PUNCT
iaajah-7571	553	7	2003	2003	NUM
iaajah-7571	553	8	)	)	PUNCT
iaajah-7571	553	9	.	.	PUNCT
iaajah-7571	554	1	diffusion	diffusion	NOUN
iaajah-7571	554	2	of	of	ADP
iaajah-7571	554	3	innovations	innovation	NOUN
iaajah-7571	554	4	(	(	PUNCT
iaajah-7571	554	5	5th	5th	ADJ
iaajah-7571	554	6	ed	ed	NOUN
iaajah-7571	554	7	.	.	PUNCT
iaajah-7571	554	8	)	)	PUNCT
iaajah-7571	554	9	.	.	PUNCT
iaajah-7571	555	1	free	free	ADJ
iaajah-7571	555	2	press	press	PROPN
iaajah-7571	555	3	.	.	PUNCT
iaajah-7571	556	1	unesco	unesco	PROPN
iaajah-7571	556	2	.	.	PUNCT
iaajah-7571	557	1	(	(	PUNCT
iaajah-7571	557	2	2019	2019	NUM
iaajah-7571	557	3	)	)	PUNCT
iaajah-7571	557	4	.	.	PUNCT
iaajah-7571	558	1	digital	digital	ADJ
iaajah-7571	558	2	literacy	literacy	NOUN
iaajah-7571	558	3	:	:	PUNCT
iaajah-7571	558	4	a	a	DET
iaajah-7571	558	5	toolkit	toolkit	NOUN
iaajah-7571	558	6	for	for	ADP
iaajah-7571	558	7	policy	policy	NOUN
iaajah-7571	558	8	makers	maker	NOUN
iaajah-7571	558	9	.	.	PUNCT
iaajah-7571	559	1	https://unesdoc.unesco.org/ark:/48223/pf0000370934	https://unesdoc.unesco.org/ark:/48223/pf0000370934	PROPN
iaajah-7571	559	2	unesco	unesco	PROPN
iaajah-7571	559	3	.	.	PUNCT
iaajah-7571	560	1	(	(	PUNCT
iaajah-7571	560	2	2019	2019	NUM
iaajah-7571	560	3	)	)	PUNCT
iaajah-7571	560	4	.	.	PUNCT
iaajah-7571	561	1	ict	ict	PROPN
iaajah-7571	561	2	in	in	ADP
iaajah-7571	561	3	education	education	NOUN
iaajah-7571	561	4	.	.	PUNCT
iaajah-7571	562	1	https://en.unesco.org/themes/ict-education	https://en.unesco.org/themes/ict-education	PROPN
iaajah-7571	562	2	unesco	unesco	PROPN
iaajah-7571	562	3	.	.	PUNCT
iaajah-7571	563	1	(	(	PUNCT
iaajah-7571	563	2	2019	2019	NUM
iaajah-7571	563	3	)	)	PUNCT
iaajah-7571	563	4	.	.	PUNCT
iaajah-7571	564	1	information	information	NOUN
iaajah-7571	564	2	and	and	CCONJ
iaajah-7571	564	3	communication	communication	NOUN
iaajah-7571	564	4	technology	technology	NOUN
iaajah-7571	564	5	(	(	PUNCT
iaajah-7571	564	6	ict	ict	PROPN
iaajah-7571	564	7	)	)	PUNCT
iaajah-7571	564	8	in	in	ADP
iaajah-7571	564	9	education	education	NOUN
iaajah-7571	564	10	.	.	PUNCT
iaajah-7571	565	1	https://en.unesco.org/themes/ict-education	https://en.unesco.org/themes/ict-education	NOUN
iaajah-7571	565	2	venkatesh	venkatesh	PROPN
iaajah-7571	565	3	,	,	PUNCT
iaajah-7571	565	4	v.	v.	PROPN
iaajah-7571	565	5	,	,	PUNCT
iaajah-7571	565	6	&	&	CCONJ
iaajah-7571	565	7	davis	davis	PROPN
iaajah-7571	565	8	,	,	PUNCT
iaajah-7571	565	9	f.	f.	PROPN
iaajah-7571	565	10	d.	d.	PROPN
iaajah-7571	565	11	(	(	PUNCT
iaajah-7571	565	12	2000	2000	NUM
iaajah-7571	565	13	)	)	PUNCT
iaajah-7571	565	14	.	.	PUNCT
iaajah-7571	566	1	a	a	DET
iaajah-7571	566	2	theoretical	theoretical	ADJ
iaajah-7571	566	3	extension	extension	NOUN
iaajah-7571	566	4	of	of	ADP
iaajah-7571	566	5	the	the	DET
iaajah-7571	566	6	technology	technology	NOUN
iaajah-7571	566	7	acceptance	acceptance	NOUN
iaajah-7571	566	8	model	model	NOUN
iaajah-7571	566	9	:	:	PUNCT
iaajah-7571	566	10	four	four	NUM
iaajah-7571	566	11	longitudinal	longitudinal	ADJ
iaajah-7571	566	12	field	field	NOUN
iaajah-7571	566	13	studies	study	NOUN
iaajah-7571	566	14	.	.	PUNCT
iaajah-7571	567	1	management	management	NOUN
iaajah-7571	567	2	science	science	NOUN
iaajah-7571	567	3	,	,	PUNCT
iaajah-7571	567	4	46(2	46(2	NOUN
iaajah-7571	567	5	)	)	PUNCT
iaajah-7571	567	6	,	,	PUNCT
iaajah-7571	567	7	186–204	186–204	NUM
iaajah-7571	567	8	.	.	PUNCT
iaajah-7571	568	1	https://doi.org/10.1287/mnsc.46.2.186.11926	https://doi.org/10.1287/mnsc.46.2.186.11926	PROPN
iaajah-7571	568	2	world	world	PROPN
iaajah-7571	568	3	bank	bank	PROPN
iaajah-7571	568	4	.	.	PUNCT
iaajah-7571	569	1	(	(	PUNCT
iaajah-7571	569	2	2021	2021	NUM
iaajah-7571	569	3	)	)	PUNCT
iaajah-7571	569	4	.	.	PUNCT
iaajah-7571	570	1	nigeria	nigeria	PROPN
iaajah-7571	571	1	digital	digital	ADJ
iaajah-7571	571	2	economy	economy	NOUN
iaajah-7571	571	3	diagnostic	diagnostic	ADJ
iaajah-7571	571	4	report	report	NOUN
iaajah-7571	571	5	.	.	PUNCT
iaajah-7571	571	6	https://documents.worldbank.org/en/publication/documents-reports/documentdetail	https://documents.worldbank.org/en/publication/documents-reports/documentdetail	PUNCT