id	sid	tid	token	lemma	pos
ijosar-1125	1	1	ijointernational	ijointernational	ADJ
ijosar-1125	1	2	journal	journal	NOUN
ijosar-1125	1	3	of	of	ADP
ijosar-1125	1	4	social	social	ADJ
ijosar-1125	1	5	science	science	NOUN
ijosar-1125	1	6	and	and	CCONJ
ijosar-1125	1	7	humanities	humanity	NOUN
ijosar-1125	1	8	research	research	NOUN
ijosar-1125	1	9	(	(	PUNCT
ijosar-1125	1	10	issn	issn	PROPN
ijosar-1125	1	11	2811	2811	NUM
ijosar-1125	1	12	-	-	SYM
ijosar-1125	1	13	2466	2466	NUM
ijosar-1125	1	14	)	)	PUNCT
ijosar-1125	1	15	obiora	obiora	PROPN
ijosar-1125	1	16	peters	peters	PROPN
ijosar-1125	1	17	,	,	PUNCT
ijosar-1125	1	18	emeka	emeka	VERB
ijosar-1125	1	19	phd1	phd1	PROPN
ijosar-1125	1	20	*	*	PUNCT
ijosar-1125	1	21	https://ijojournals.com/	https://ijojournals.com/	PROPN
ijosar-1125	1	22	volume	volume	NOUN
ijosar-1125	1	23	08	08	NUM
ijosar-1125	2	1	||	||	PROPN
ijosar-1125	2	2	issue	issue	NOUN
ijosar-1125	2	3	08	08	NUM
ijosar-1125	2	4	||	||	NOUN
ijosar-1125	2	5	august	august	PROPN
ijosar-1125	2	6	,	,	PUNCT
ijosar-1125	2	7	2025	2025	NUM
ijosar-1125	2	8	||	||	PUNCT
ijosar-1125	3	1	“	"	PUNCT
ijosar-1125	3	2	determinants	determinant	NOUN
ijosar-1125	3	3	of	of	ADP
ijosar-1125	3	4	insurance	insurance	NOUN
ijosar-1125	3	5	uptake	uptake	ADJ
ijosar-1125	3	6	in	in	ADP
ijosar-1125	3	7	rwanda	rwanda	PROPN
ijosar-1125	3	8	a	a	DET
ijosar-1125	3	9	case	case	NOUN
ijosar-1125	3	10	study	study	NOUN
ijosar-1125	3	11	of	of	ADP
ijosar-1125	3	12	radiant	radiant	ADJ
ijosar-1125	3	13	insurance	insurance	NOUN
ijosar-1125	3	14	company	company	NOUN
ijosar-1125	3	15	limited	limit	VERB
ijosar-1125	3	16	(	(	PUNCT
ijosar-1125	3	17	2020	2020	NUM
ijosar-1125	3	18	-	-	SYM
ijosar-1125	3	19	2024	2024	NUM
ijosar-1125	3	20	)	)	PUNCT
ijosar-1125	3	21	"	"	PUNCT
ijosar-1125	3	22	determinants	determinant	NOUN
ijosar-1125	3	23	of	of	ADP
ijosar-1125	3	24	insurance	insurance	NOUN
ijosar-1125	3	25	uptake	uptake	ADJ
ijosar-1125	3	26	in	in	ADP
ijosar-1125	3	27	rwanda	rwanda	PROPN
ijosar-1125	3	28	a	a	DET
ijosar-1125	3	29	case	case	NOUN
ijosar-1125	3	30	study	study	NOUN
ijosar-1125	3	31	of	of	ADP
ijosar-1125	3	32	radiant	radiant	ADJ
ijosar-1125	3	33	insurance	insurance	NOUN
ijosar-1125	3	34	company	company	NOUN
ijosar-1125	3	35	limited	limit	VERB
ijosar-1125	3	36	(	(	PUNCT
ijosar-1125	3	37	2020	2020	NUM
ijosar-1125	3	38	-	-	SYM
ijosar-1125	3	39	2024	2024	NUM
ijosar-1125	3	40	)	)	PUNCT
ijosar-1125	3	41	obiora	obiora	NOUN
ijosar-1125	3	42	peters	peters	PROPN
ijosar-1125	3	43	,	,	PUNCT
ijosar-1125	3	44	emeka	emeka	VERB
ijosar-1125	3	45	phd	phd	NOUN
ijosar-1125	3	46	school	school	NOUN
ijosar-1125	3	47	of	of	ADP
ijosar-1125	3	48	postgraduate	postgraduate	NOUN
ijosar-1125	3	49	studies	study	NOUN
ijosar-1125	3	50	,	,	PUNCT
ijosar-1125	3	51	kigali	kigali	PROPN
ijosar-1125	3	52	independent	independent	PROPN
ijosar-1125	3	53	university	university	PROPN
ijosar-1125	3	54	ulk	ulk	PROPN
ijosar-1125	3	55	,	,	PUNCT
ijosar-1125	3	56	kigali	kigali	PROPN
ijosar-1125	3	57	,	,	PUNCT
ijosar-1125	4	1	rwanda	rwanda	PROPN
ijosar-1125	4	2	amani	amani	PROPN
ijosar-1125	4	3	manzi	manzi	PROPN
ijosar-1125	4	4	alain	alain	PROPN
ijosar-1125	4	5	kigali	kigali	PROPN
ijosar-1125	4	6	independent	independent	PROPN
ijosar-1125	4	7	university	university	PROPN
ijosar-1125	4	8	ulk	ulk	PROPN
ijosar-1125	4	9	uwazigira	uwazigira	PROPN
ijosar-1125	4	10	daphrose	daphrose	PROPN
ijosar-1125	4	11	kigali	kigali	PROPN
ijosar-1125	4	12	independent	independent	PROPN
ijosar-1125	4	13	university	university	PROPN
ijosar-1125	4	14	ulk	ulk	PROPN
ijosar-1125	4	15	abstract	abstract	PROPN
ijosar-1125	4	16	several	several	ADJ
ijosar-1125	4	17	factors	factor	NOUN
ijosar-1125	4	18	work	work	VERB
ijosar-1125	4	19	for	for	ADP
ijosar-1125	4	20	and	and	CCONJ
ijosar-1125	4	21	against	against	ADP
ijosar-1125	4	22	the	the	DET
ijosar-1125	4	23	uptake	uptake	NOUN
ijosar-1125	4	24	of	of	ADP
ijosar-1125	4	25	insurance	insurance	NOUN
ijosar-1125	4	26	relationship	relationship	NOUN
ijosar-1125	4	27	in	in	ADP
ijosar-1125	4	28	rwanda	rwanda	PROPN
ijosar-1125	4	29	and	and	CCONJ
ijosar-1125	4	30	hinders	hinder	VERB
ijosar-1125	4	31	the	the	DET
ijosar-1125	4	32	growth	growth	NOUN
ijosar-1125	4	33	of	of	ADP
ijosar-1125	4	34	insurance	insurance	NOUN
ijosar-1125	4	35	subsector	subsector	NOUN
ijosar-1125	4	36	.	.	PUNCT
ijosar-1125	5	1	this	this	DET
ijosar-1125	5	2	study	study	NOUN
ijosar-1125	5	3	sets	set	VERB
ijosar-1125	5	4	out	out	ADP
ijosar-1125	5	5	to	to	PART
ijosar-1125	5	6	determine	determine	VERB
ijosar-1125	5	7	the	the	DET
ijosar-1125	5	8	factors	factor	NOUN
ijosar-1125	5	9	that	that	PRON
ijosar-1125	5	10	promote	promote	VERB
ijosar-1125	5	11	and	and	CCONJ
ijosar-1125	5	12	barriers	barrier	NOUN
ijosar-1125	5	13	that	that	PRON
ijosar-1125	5	14	hinder	hinder	VERB
ijosar-1125	5	15	insurance	insurance	NOUN
ijosar-1125	5	16	uptake	uptake	ADJ
ijosar-1125	5	17	in	in	ADP
ijosar-1125	5	18	rwanda	rwanda	PROPN
ijosar-1125	5	19	radiant	radiant	ADJ
ijosar-1125	5	20	insurance	insurance	NOUN
ijosar-1125	5	21	using	use	VERB
ijosar-1125	5	22	a	a	DET
ijosar-1125	5	23	quantitative	quantitative	ADJ
ijosar-1125	5	24	method	method	NOUN
ijosar-1125	5	25	and	and	CCONJ
ijosar-1125	5	26	case	case	NOUN
ijosar-1125	5	27	study	study	NOUN
ijosar-1125	5	28	design	design	NOUN
ijosar-1125	5	29	on	on	ADP
ijosar-1125	5	30	a	a	DET
ijosar-1125	5	31	population	population	NOUN
ijosar-1125	5	32	of	of	ADP
ijosar-1125	5	33	16,606	16,606	NUM
ijosar-1125	5	34	customers	customer	NOUN
ijosar-1125	5	35	,	,	PUNCT
ijosar-1125	5	36	and	and	CCONJ
ijosar-1125	5	37	375	375	NUM
ijosar-1125	5	38	clients	client	NOUN
ijosar-1125	5	39	were	be	AUX
ijosar-1125	5	40	sampled	sample	VERB
ijosar-1125	5	41	using	use	VERB
ijosar-1125	5	42	simple	simple	ADJ
ijosar-1125	5	43	random	random	ADJ
ijosar-1125	5	44	sampling	sampling	NOUN
ijosar-1125	5	45	technique	technique	NOUN
ijosar-1125	5	46	.	.	PUNCT
ijosar-1125	6	1	the	the	DET
ijosar-1125	6	2	regression	regression	NOUN
ijosar-1125	6	3	model	model	NOUN
ijosar-1125	6	4	was	be	AUX
ijosar-1125	6	5	used	use	VERB
ijosar-1125	6	6	in	in	ADP
ijosar-1125	6	7	data	datum	NOUN
ijosar-1125	6	8	analysis	analysis	NOUN
ijosar-1125	6	9	.	.	PUNCT
ijosar-1125	7	1	the	the	DET
ijosar-1125	7	2	results	result	NOUN
ijosar-1125	7	3	shows	show	VERB
ijosar-1125	7	4	that;insurance	that;insurance	NOUN
ijosar-1125	7	5	knowledge	knowledge	NOUN
ijosar-1125	7	6	β	β	X
ijosar-1125	7	7	=	=	NOUN
ijosar-1125	7	8	0.327	0.327	NUM
ijosar-1125	7	9	(	(	PUNCT
ijosar-1125	7	10	p	p	X
ijosar-1125	7	11	=	=	NOUN
ijosar-1125	7	12	0.01),skills	0.01),skill	NOUN
ijosar-1125	7	13	(	(	PUNCT
ijosar-1125	7	14	β	β	X
ijosar-1125	7	15	=	=	SYM
ijosar-1125	7	16	0.490	0.490	NUM
ijosar-1125	7	17	,	,	PUNCT
ijosar-1125	7	18	p	p	X
ijosar-1125	7	19	=	=	PUNCT
ijosar-1125	7	20	0.000)behaviour(β	0.000)behaviour(β	X
ijosar-1125	7	21	=	=	PUNCT
ijosar-1125	7	22	0.300,p	0.300,p	NUM
ijosar-1125	7	23	=	=	SYM
ijosar-1125	7	24	0.001	0.001	NUM
ijosar-1125	7	25	)	)	PUNCT
ijosar-1125	7	26	,	,	PUNCT
ijosar-1125	7	27	&	&	CCONJ
ijosar-1125	7	28	accessibility(β	accessibility(β	PROPN
ijosar-1125	7	29	=	=	PUNCT
ijosar-1125	7	30	0.336,p=0.001	0.336,p=0.001	PROPN
ijosar-1125	7	31	)	)	PUNCT
ijosar-1125	7	32	all	all	PRON
ijosar-1125	7	33	has	have	VERB
ijosar-1125	7	34	significant	significant	ADJ
ijosar-1125	7	35	positive	positive	ADJ
ijosar-1125	7	36	determination	determination	NOUN
ijosar-1125	7	37	on	on	ADP
ijosar-1125	7	38	insurance	insurance	NOUN
ijosar-1125	7	39	uptake	uptake	ADJ
ijosar-1125	7	40	.	.	PUNCT
ijosar-1125	8	1	although	although	SCONJ
ijosar-1125	8	2	,	,	PUNCT
ijosar-1125	8	3	were	be	AUX
ijosar-1125	8	4	able	able	ADJ
ijosar-1125	8	5	to	to	PART
ijosar-1125	8	6	explain	explain	VERB
ijosar-1125	8	7	8.4	8.4	NUM
ijosar-1125	8	8	%	%	NOUN
ijosar-1125	8	9	of	of	ADP
ijosar-1125	8	10	the	the	DET
ijosar-1125	8	11	variability	variability	NOUN
ijosar-1125	8	12	of	of	ADP
ijosar-1125	8	13	uptake	uptake	NOUN
ijosar-1125	8	14	of	of	ADP
ijosar-1125	8	15	insurance.the	insurance.the	DET
ijosar-1125	8	16	mean	mean	NOUN
ijosar-1125	8	17	of	of	ADP
ijosar-1125	8	18	barriers	barrier	NOUN
ijosar-1125	8	19	to	to	ADP
ijosar-1125	8	20	uptake	uptake	VERB
ijosar-1125	8	21	was	be	AUX
ijosar-1125	8	22	1.48	1.48	NUM
ijosar-1125	8	23	suggesting	suggest	VERB
ijosar-1125	8	24	severe(high	severe(high	PROPN
ijosar-1125	8	25	)	)	PUNCT
ijosar-1125	8	26	and	and	CCONJ
ijosar-1125	8	27	non	non	ADJ
ijosar-1125	8	28	significant	significant	ADJ
ijosar-1125	8	29	obstacles(low	obstacles(low	NOUN
ijosar-1125	8	30	)	)	PUNCT
ijosar-1125	8	31	towards	towards	ADP
ijosar-1125	8	32	uptake	uptake	NOUN
ijosar-1125	8	33	.	.	PUNCT
ijosar-1125	9	1	based	base	VERB
ijosar-1125	9	2	on	on	ADP
ijosar-1125	9	3	this	this	DET
ijosar-1125	9	4	outcome	outcome	NOUN
ijosar-1125	9	5	,	,	PUNCT
ijosar-1125	9	6	the	the	DET
ijosar-1125	9	7	study	study	NOUN
ijosar-1125	9	8	concludes	conclude	VERB
ijosar-1125	9	9	that	that	SCONJ
ijosar-1125	9	10	insurance	insurance	NOUN
ijosar-1125	9	11	knowledge	knowledge	NOUN
ijosar-1125	9	12	,	,	PUNCT
ijosar-1125	9	13	skills	skill	NOUN
ijosar-1125	9	14	,	,	PUNCT
ijosar-1125	9	15	behaviour	behaviour	NOUN
ijosar-1125	9	16	,	,	PUNCT
ijosar-1125	9	17	accessibility	accessibility	NOUN
ijosar-1125	9	18	positively	positively	ADV
ijosar-1125	9	19	determines	determine	VERB
ijosar-1125	9	20	insurance	insurance	NOUN
ijosar-1125	9	21	uptake	uptake	ADJ
ijosar-1125	9	22	.	.	PUNCT
ijosar-1125	10	1	additionally	additionally	ADV
ijosar-1125	10	2	,	,	PUNCT
ijosar-1125	10	3	the	the	DET
ijosar-1125	10	4	results	result	NOUN
ijosar-1125	10	5	concludes	conclude	VERB
ijosar-1125	10	6	that	that	SCONJ
ijosar-1125	10	7	primary	primary	ADJ
ijosar-1125	10	8	barriers	barrier	NOUN
ijosar-1125	10	9	to	to	AUX
ijosar-1125	10	10	insurance	insurance	NOUN
ijosar-1125	10	11	uptake	uptake	ADJ
ijosar-1125	10	12	relate	relate	VERB
ijosar-1125	10	13	to	to	PART
ijosar-1125	10	14	cost	cost	VERB
ijosar-1125	10	15	and	and	CCONJ
ijosar-1125	10	16	the	the	DET
ijosar-1125	10	17	perceived	perceive	VERB
ijosar-1125	10	18	value	value	NOUN
ijosar-1125	10	19	of	of	ADP
ijosar-1125	10	20	insurance	insurance	NOUN
ijosar-1125	10	21	,	,	PUNCT
ijosar-1125	10	22	followed	follow	VERB
ijosar-1125	10	23	by	by	ADP
ijosar-1125	10	24	procedural	procedural	ADJ
ijosar-1125	10	25	and	and	CCONJ
ijosar-1125	10	26	trust	trust	NOUN
ijosar-1125	10	27	issues	issue	NOUN
ijosar-1125	10	28	.	.	PUNCT
ijosar-1125	11	1	the	the	DET
ijosar-1125	11	2	study	study	NOUN
ijosar-1125	11	3	therefore	therefore	ADV
ijosar-1125	11	4	recommends	recommend	VERB
ijosar-1125	11	5	enhancement	enhancement	NOUN
ijosar-1125	11	6	of	of	ADP
ijosar-1125	11	7	insurance	insurance	NOUN
ijosar-1125	11	8	literacy	literacy	NOUN
ijosar-1125	11	9	,	,	PUNCT
ijosar-1125	11	10	develop	develop	VERB
ijosar-1125	11	11	customer	customer	NOUN
ijosar-1125	11	12	-	-	PUNCT
ijosar-1125	11	13	centered	center	VERB
ijosar-1125	11	14	products	product	NOUN
ijosar-1125	11	15	,	,	PUNCT
ijosar-1125	11	16	strengthen	strengthen	VERB
ijosar-1125	11	17	practical	practical	ADJ
ijosar-1125	11	18	skills	skill	NOUN
ijosar-1125	11	19	among	among	ADP
ijosar-1125	11	20	clients	client	NOUN
ijosar-1125	11	21	,	,	PUNCT
ijosar-1125	11	22	promote	promote	VERB
ijosar-1125	11	23	positive	positive	ADJ
ijosar-1125	11	24	insurance	insurance	NOUN
ijosar-1125	11	25	behavior	behavior	NOUN
ijosar-1125	11	26	,	,	PUNCT
ijosar-1125	11	27	leverage	leverage	NOUN
ijosar-1125	11	28	technology	technology	NOUN
ijosar-1125	11	29	for	for	ADP
ijosar-1125	11	30	accessibility	accessibility	NOUN
ijosar-1125	11	31	and	and	CCONJ
ijosar-1125	11	32	foster	foster	ADJ
ijosar-1125	11	33	trust	trust	NOUN
ijosar-1125	11	34	and	and	CCONJ
ijosar-1125	11	35	transparency	transparency	NOUN
ijosar-1125	11	36	.	.	PUNCT
ijosar-1125	12	1	key	key	ADJ
ijosar-1125	12	2	words	word	NOUN
ijosar-1125	12	3	:	:	PUNCT
ijosar-1125	12	4	determinants	determinant	NOUN
ijosar-1125	12	5	,	,	PUNCT
ijosar-1125	12	6	insurance	insurance	NOUN
ijosar-1125	12	7	,	,	PUNCT
ijosar-1125	12	8	penetration	penetration	NOUN
ijosar-1125	12	9	rate	rate	NOUN
ijosar-1125	12	10	,	,	PUNCT
ijosar-1125	12	11	insurance	insurance	NOUN
ijosar-1125	12	12	uptake	uptake	NOUN
ijosar-1125	12	13	,	,	PUNCT
ijosar-1125	12	14	barriers	barrier	NOUN
ijosar-1125	12	15	to	to	PART
ijosar-1125	12	16	uptake	uptake	VERB
ijosar-1125	12	17	1.0	1.0	NUM
ijosar-1125	12	18	introduction	introduction	NOUN
ijosar-1125	12	19	this	this	DET
ijosar-1125	12	20	section	section	NOUN
ijosar-1125	12	21	portrays	portray	VERB
ijosar-1125	12	22	the	the	DET
ijosar-1125	12	23	funnel	funnel	NOUN
ijosar-1125	12	24	background	background	NOUN
ijosar-1125	12	25	,	,	PUNCT
ijosar-1125	12	26	statement	statement	NOUN
ijosar-1125	12	27	of	of	ADP
ijosar-1125	12	28	the	the	DET
ijosar-1125	12	29	problem	problem	NOUN
ijosar-1125	12	30	and	and	CCONJ
ijosar-1125	12	31	the	the	DET
ijosar-1125	12	32	objectives	objective	NOUN
ijosar-1125	12	33	of	of	ADP
ijosar-1125	12	34	study	study	NOUN
ijosar-1125	12	35	knitted	knit	VERB
ijosar-1125	12	36	on	on	ADP
ijosar-1125	12	37	the	the	DET
ijosar-1125	12	38	tale	tale	NOUN
ijosar-1125	12	39	of	of	ADP
ijosar-1125	12	40	the	the	DET
ijosar-1125	12	41	introduction	introduction	NOUN
ijosar-1125	12	42	.	.	PUNCT
ijosar-1125	13	1	ijo	ijo	PROPN
ijosar-1125	13	2	journals	journal	NOUN
ijosar-1125	13	3	volume	volume	NOUN
ijosar-1125	13	4	08	08	NUM
ijosar-1125	14	1	|	|	ADV
ijosar-1125	14	2	issue	issue	NOUN
ijosar-1125	14	3	08	08	NUM
ijosar-1125	15	1	|	|	ADV
ijosar-1125	15	2	august	august	PROPN
ijosar-1125	15	3	2025	2025	NUM
ijosar-1125	15	4	|	|	ADV
ijosar-1125	15	5	https://ijojournals.com/index.php/ssh/index	https://ijojournals.com/index.php/ssh/index	NOUN
ijosar-1125	15	6	68	68	NUM
ijosar-1125	15	7	ijointernational	ijointernational	ADJ
ijosar-1125	15	8	journal	journal	NOUN
ijosar-1125	15	9	of	of	ADP
ijosar-1125	15	10	social	social	ADJ
ijosar-1125	15	11	science	science	NOUN
ijosar-1125	15	12	and	and	CCONJ
ijosar-1125	15	13	humanities	humanity	NOUN
ijosar-1125	15	14	research	research	NOUN
ijosar-1125	15	15	(	(	PUNCT
ijosar-1125	15	16	issn	issn	PROPN
ijosar-1125	15	17	2811	2811	NUM
ijosar-1125	15	18	-	-	SYM
ijosar-1125	15	19	2466	2466	NUM
ijosar-1125	15	20	)	)	PUNCT
ijosar-1125	15	21	obiora	obiora	PROPN
ijosar-1125	15	22	peters	peters	PROPN
ijosar-1125	15	23	,	,	PUNCT
ijosar-1125	15	24	emeka	emeka	VERB
ijosar-1125	15	25	phd1	phd1	PROPN
ijosar-1125	15	26	*	*	PUNCT
ijosar-1125	15	27	https://ijojournals.com/	https://ijojournals.com/	PROPN
ijosar-1125	15	28	volume	volume	NOUN
ijosar-1125	15	29	08	08	NUM
ijosar-1125	16	1	||	||	PROPN
ijosar-1125	16	2	issue	issue	NOUN
ijosar-1125	16	3	08	08	NUM
ijosar-1125	16	4	||	||	NOUN
ijosar-1125	16	5	august	august	PROPN
ijosar-1125	16	6	,	,	PUNCT
ijosar-1125	16	7	2025	2025	NUM
ijosar-1125	16	8	||	||	PUNCT
ijosar-1125	17	1	“	"	PUNCT
ijosar-1125	17	2	determinants	determinant	NOUN
ijosar-1125	17	3	of	of	ADP
ijosar-1125	17	4	insurance	insurance	NOUN
ijosar-1125	17	5	uptake	uptake	ADJ
ijosar-1125	17	6	in	in	ADP
ijosar-1125	17	7	rwanda	rwanda	PROPN
ijosar-1125	17	8	a	a	DET
ijosar-1125	17	9	case	case	NOUN
ijosar-1125	17	10	study	study	NOUN
ijosar-1125	17	11	of	of	ADP
ijosar-1125	17	12	radiant	radiant	ADJ
ijosar-1125	17	13	insurance	insurance	NOUN
ijosar-1125	17	14	company	company	NOUN
ijosar-1125	17	15	limited	limit	VERB
ijosar-1125	17	16	(	(	PUNCT
ijosar-1125	17	17	2020	2020	NUM
ijosar-1125	17	18	-	-	SYM
ijosar-1125	17	19	2024	2024	NUM
ijosar-1125	17	20	)	)	PUNCT
ijosar-1125	17	21	"	"	PUNCT
ijosar-1125	17	22	1.1background	1.1background	NUM
ijosar-1125	17	23	of	of	ADP
ijosar-1125	17	24	the	the	DET
ijosar-1125	17	25	study	study	NOUN
ijosar-1125	17	26	insurance	insurance	NOUN
ijosar-1125	17	27	is	be	AUX
ijosar-1125	17	28	a	a	DET
ijosar-1125	17	29	major	major	ADJ
ijosar-1125	17	30	aspect	aspect	NOUN
ijosar-1125	17	31	of	of	ADP
ijosar-1125	17	32	economic	economic	ADJ
ijosar-1125	17	33	development	development	NOUN
ijosar-1125	17	34	at	at	ADP
ijosar-1125	17	35	the	the	DET
ijosar-1125	17	36	global	global	ADJ
ijosar-1125	17	37	scene	scene	NOUN
ijosar-1125	17	38	,	,	PUNCT
ijosar-1125	17	39	given	give	VERB
ijosar-1125	17	40	that	that	SCONJ
ijosar-1125	17	41	it	it	PRON
ijosar-1125	17	42	provides	provide	VERB
ijosar-1125	17	43	financial	financial	ADJ
ijosar-1125	17	44	safeguard	safeguard	NOUN
ijosar-1125	17	45	against	against	ADP
ijosar-1125	17	46	unexpected	unexpected	ADJ
ijosar-1125	17	47	risks	risk	NOUN
ijosar-1125	17	48	,	,	PUNCT
ijosar-1125	17	49	household	household	NOUN
ijosar-1125	17	50	resilience	resilience	NOUN
ijosar-1125	17	51	and	and	CCONJ
ijosar-1125	17	52	economic	economic	ADJ
ijosar-1125	17	53	stability	stability	NOUN
ijosar-1125	17	54	.	.	PUNCT
ijosar-1125	18	1	nevertheless	nevertheless	ADV
ijosar-1125	18	2	,	,	PUNCT
ijosar-1125	18	3	the	the	DET
ijosar-1125	18	4	world	world	NOUN
ijosar-1125	18	5	situation	situation	NOUN
ijosar-1125	18	6	with	with	ADP
ijosar-1125	18	7	insurance	insurance	NOUN
ijosar-1125	18	8	adoption	adoption	NOUN
ijosar-1125	18	9	is	be	AUX
ijosar-1125	18	10	deeply	deeply	ADV
ijosar-1125	18	11	unequal	unequal	ADJ
ijosar-1125	18	12	.	.	PUNCT
ijosar-1125	19	1	the	the	DET
ijosar-1125	19	2	high	high	ADJ
ijosar-1125	19	3	-	-	PUNCT
ijosar-1125	19	4	income	income	NOUN
ijosar-1125	19	5	economies	economy	NOUN
ijosar-1125	19	6	are	be	AUX
ijosar-1125	19	7	approximately	approximately	ADV
ijosar-1125	19	8	63	63	NUM
ijosar-1125	19	9	percent	percent	NOUN
ijosar-1125	19	10	of	of	ADP
ijosar-1125	19	11	adults	adult	NOUN
ijosar-1125	19	12	with	with	ADP
ijosar-1125	19	13	some	some	DET
ijosar-1125	19	14	policy	policy	NOUN
ijosar-1125	19	15	cover	cover	NOUN
ijosar-1125	19	16	like	like	ADP
ijosar-1125	19	17	health	health	NOUN
ijosar-1125	19	18	,	,	PUNCT
ijosar-1125	19	19	life	life	NOUN
ijosar-1125	19	20	or	or	CCONJ
ijosar-1125	19	21	property	property	NOUN
ijosar-1125	19	22	as	as	SCONJ
ijosar-1125	19	23	compared	compare	VERB
ijosar-1125	19	24	to	to	ADP
ijosar-1125	19	25	the	the	DET
ijosar-1125	19	26	13	13	NUM
ijosar-1125	19	27	percent	percent	NOUN
ijosar-1125	19	28	of	of	ADP
ijosar-1125	19	29	the	the	DET
ijosar-1125	19	30	low	low	ADJ
ijosar-1125	19	31	income	income	NOUN
ijosar-1125	19	32	countries	country	NOUN
ijosar-1125	19	33	,	,	PUNCT
ijosar-1125	19	34	according	accord	VERB
ijosar-1125	19	35	to	to	ADP
ijosar-1125	19	36	demirguc	demirguc	PROPN
ijosar-1125	19	37	-	-	PUNCT
ijosar-1125	19	38	kunt	kunt	PROPN
ijosar-1125	19	39	and	and	CCONJ
ijosar-1125	19	40	others	other	NOUN
ijosar-1125	19	41	(	(	PUNCT
ijosar-1125	19	42	2022	2022	NUM
ijosar-1125	19	43	)	)	PUNCT
ijosar-1125	19	44	.	.	PUNCT
ijosar-1125	20	1	swiss	swiss	PROPN
ijosar-1125	20	2	re	re	PROPN
ijosar-1125	20	3	institute	institute	PROPN
ijosar-1125	20	4	(	(	PUNCT
ijosar-1125	20	5	2022	2022	NUM
ijosar-1125	20	6	)	)	PUNCT
ijosar-1125	20	7	also	also	ADV
ijosar-1125	20	8	described	describe	VERB
ijosar-1125	20	9	that	that	SCONJ
ijosar-1125	20	10	,	,	PUNCT
ijosar-1125	20	11	whereas	whereas	SCONJ
ijosar-1125	20	12	the	the	DET
ijosar-1125	20	13	world	world	NOUN
ijosar-1125	20	14	had	have	AUX
ijosar-1125	20	15	faced	face	VERB
ijosar-1125	20	16	more	more	ADJ
ijosar-1125	20	17	than	than	ADP
ijosar-1125	20	18	usd	usd	NOUN
ijosar-1125	20	19	7	7	NUM
ijosar-1125	20	20	trillion	trillion	NUM
ijosar-1125	20	21	in	in	ADP
ijosar-1125	20	22	premiums	premium	NOUN
ijosar-1125	20	23	in	in	ADP
ijosar-1125	20	24	2021	2021	NUM
ijosar-1125	20	25	,	,	PUNCT
ijosar-1125	20	26	africa	africa	PROPN
ijosar-1125	20	27	contributed	contribute	VERB
ijosar-1125	20	28	less	less	ADJ
ijosar-1125	20	29	than	than	ADP
ijosar-1125	20	30	1.5	1.5	NUM
ijosar-1125	20	31	percent	percent	NOUN
ijosar-1125	20	32	to	to	ADP
ijosar-1125	20	33	it	it	PRON
ijosar-1125	20	34	.	.	PUNCT
ijosar-1125	21	1	such	such	ADJ
ijosar-1125	21	2	world	world	NOUN
ijosar-1125	21	3	disparities	disparity	NOUN
ijosar-1125	21	4	are	be	AUX
ijosar-1125	21	5	influenced	influence	VERB
ijosar-1125	21	6	by	by	ADP
ijosar-1125	21	7	socio	socio	NOUN
ijosar-1125	21	8	-	-	PUNCT
ijosar-1125	21	9	economic	economic	ADJ
ijosar-1125	21	10	,	,	PUNCT
ijosar-1125	21	11	institutional	institutional	ADJ
ijosar-1125	21	12	and	and	CCONJ
ijosar-1125	21	13	behavioural	behavioural	ADJ
ijosar-1125	21	14	conditions	condition	NOUN
ijosar-1125	21	15	such	such	ADJ
ijosar-1125	21	16	as	as	ADP
ijosar-1125	21	17	income	income	NOUN
ijosar-1125	21	18	levels	level	NOUN
ijosar-1125	21	19	,	,	PUNCT
ijosar-1125	21	20	literacy	literacy	NOUN
ijosar-1125	21	21	,	,	PUNCT
ijosar-1125	21	22	access	access	NOUN
ijosar-1125	21	23	to	to	ADP
ijosar-1125	21	24	digital	digital	ADJ
ijosar-1125	21	25	information	information	NOUN
ijosar-1125	21	26	,	,	PUNCT
ijosar-1125	21	27	trust	trust	NOUN
ijosar-1125	21	28	to	to	ADP
ijosar-1125	21	29	policy	policy	NOUN
ijosar-1125	21	30	guidelines	guideline	NOUN
ijosar-1125	21	31	and	and	CCONJ
ijosar-1125	21	32	cultures	culture	NOUN
ijosar-1125	21	33	that	that	PRON
ijosar-1125	21	34	can	can	AUX
ijosar-1125	21	35	accept	accept	VERB
ijosar-1125	21	36	insurance	insurance	NOUN
ijosar-1125	21	37	products	product	NOUN
ijosar-1125	21	38	.	.	PUNCT
ijosar-1125	22	1	the	the	DET
ijosar-1125	22	2	insurance	insurance	NOUN
ijosar-1125	22	3	business	business	NOUN
ijosar-1125	22	4	in	in	ADP
ijosar-1125	22	5	africa	africa	PROPN
ijosar-1125	22	6	is	be	AUX
ijosar-1125	22	7	underdeveloped	underdeveloped	ADJ
ijosar-1125	22	8	even	even	ADV
ijosar-1125	22	9	though	though	SCONJ
ijosar-1125	22	10	there	there	PRON
ijosar-1125	22	11	is	be	VERB
ijosar-1125	22	12	a	a	DET
ijosar-1125	22	13	rising	rise	VERB
ijosar-1125	22	14	demand	demand	NOUN
ijosar-1125	22	15	of	of	ADP
ijosar-1125	22	16	financial	financial	ADJ
ijosar-1125	22	17	inclusion	inclusion	NOUN
ijosar-1125	22	18	.	.	PUNCT
ijosar-1125	23	1	according	accord	VERB
ijosar-1125	23	2	to	to	ADP
ijosar-1125	23	3	the	the	DET
ijosar-1125	23	4	african	african	ADJ
ijosar-1125	23	5	insurance	insurance	NOUN
ijosar-1125	23	6	organization	organization	NOUN
ijosar-1125	23	7	(	(	PUNCT
ijosar-1125	23	8	2023	2023	NUM
ijosar-1125	23	9	)	)	PUNCT
ijosar-1125	23	10	,	,	PUNCT
ijosar-1125	23	11	the	the	DET
ijosar-1125	23	12	insurance	insurance	NOUN
ijosar-1125	23	13	penetration	penetration	NOUN
ijosar-1125	23	14	in	in	ADP
ijosar-1125	23	15	the	the	DET
ijosar-1125	23	16	continent	continent	NOUN
ijosar-1125	23	17	will	will	AUX
ijosar-1125	23	18	be	be	AUX
ijosar-1125	23	19	2.7	2.7	NUM
ijosar-1125	23	20	percent	percent	NOUN
ijosar-1125	23	21	of	of	ADP
ijosar-1125	23	22	the	the	DET
ijosar-1125	23	23	gdp	gdp	NOUN
ijosar-1125	23	24	,	,	PUNCT
ijosar-1125	23	25	however	however	ADV
ijosar-1125	23	26	,	,	PUNCT
ijosar-1125	23	27	leaving	leave	VERB
ijosar-1125	23	28	out	out	ADP
ijosar-1125	23	29	south	south	PROPN
ijosar-1125	23	30	africa	africa	PROPN
ijosar-1125	23	31	will	will	AUX
ijosar-1125	23	32	bring	bring	VERB
ijosar-1125	23	33	it	it	PRON
ijosar-1125	23	34	under	under	ADP
ijosar-1125	23	35	1	1	NUM
ijosar-1125	23	36	percent	percent	NOUN
ijosar-1125	23	37	.	.	PUNCT
ijosar-1125	24	1	as	as	ADP
ijosar-1125	24	2	scholars	scholar	NOUN
ijosar-1125	24	3	like	like	ADP
ijosar-1125	24	4	hougaard	hougaard	NOUN
ijosar-1125	24	5	et	et	PROPN
ijosar-1125	24	6	al	al	PROPN
ijosar-1125	24	7	.	.	PROPN
ijosar-1125	24	8	(	(	PUNCT
ijosar-1125	24	9	2012	2012	NUM
ijosar-1125	24	10	)	)	PUNCT
ijosar-1125	24	11	as	as	ADV
ijosar-1125	24	12	well	well	ADV
ijosar-1125	24	13	as	as	ADP
ijosar-1125	24	14	roth	roth	PROPN
ijosar-1125	24	15	et	et	PROPN
ijosar-1125	24	16	al	al	PROPN
ijosar-1125	24	17	.	.	PROPN
ijosar-1125	25	1	(	(	PUNCT
ijosar-1125	25	2	2007	2007	NUM
ijosar-1125	25	3	)	)	PUNCT
ijosar-1125	25	4	pointed	point	VERB
ijosar-1125	25	5	out	out	ADP
ijosar-1125	25	6	,	,	PUNCT
ijosar-1125	25	7	the	the	DET
ijosar-1125	25	8	lack	lack	NOUN
ijosar-1125	25	9	of	of	ADP
ijosar-1125	25	10	financial	financial	ADJ
ijosar-1125	25	11	awareness	awareness	NOUN
ijosar-1125	25	12	,	,	PUNCT
ijosar-1125	25	13	mistrust	mistrust	NOUN
ijosar-1125	25	14	of	of	ADP
ijosar-1125	25	15	insurance	insurance	NOUN
ijosar-1125	25	16	organizations	organization	NOUN
ijosar-1125	25	17	and	and	CCONJ
ijosar-1125	25	18	products	product	NOUN
ijosar-1125	25	19	misalignment	misalignment	NOUN
ijosar-1125	25	20	with	with	ADP
ijosar-1125	25	21	native	native	ADJ
ijosar-1125	25	22	realities	reality	NOUN
ijosar-1125	25	23	are	be	AUX
ijosar-1125	25	24	considerable	considerable	ADJ
ijosar-1125	25	25	limitations	limitation	NOUN
ijosar-1125	25	26	to	to	PART
ijosar-1125	25	27	uptake	uptake	VERB
ijosar-1125	25	28	.	.	PUNCT
ijosar-1125	26	1	according	accord	VERB
ijosar-1125	26	2	to	to	ADP
ijosar-1125	26	3	malambo	malambo	PROPN
ijosar-1125	26	4	(	(	PUNCT
ijosar-1125	26	5	2023	2023	NUM
ijosar-1125	26	6	)	)	PUNCT
ijosar-1125	26	7	africa	africa	PROPN
ijosar-1125	26	8	had	have	VERB
ijosar-1125	26	9	a	a	DET
ijosar-1125	26	10	total	total	ADJ
ijosar-1125	26	11	insurance	insurance	NOUN
ijosar-1125	26	12	penetration	penetration	NOUN
ijosar-1125	26	13	rate	rate	NOUN
ijosar-1125	26	14	of	of	ADP
ijosar-1125	26	15	2.78	2.78	NUM
ijosar-1125	26	16	%	%	NOUN
ijosar-1125	26	17	in	in	ADP
ijosar-1125	26	18	2019	2019	NUM
ijosar-1125	26	19	and	and	CCONJ
ijosar-1125	26	20	this	this	PRON
ijosar-1125	26	21	is	be	AUX
ijosar-1125	26	22	far	far	ADV
ijosar-1125	26	23	lower	low	ADJ
ijosar-1125	26	24	than	than	ADP
ijosar-1125	26	25	the	the	DET
ijosar-1125	26	26	global	global	ADJ
ijosar-1125	26	27	average	average	ADJ
ijosar-1125	26	28	rate	rate	NOUN
ijosar-1125	26	29	of	of	ADP
ijosar-1125	26	30	penetration	penetration	NOUN
ijosar-1125	26	31	that	that	PRON
ijosar-1125	26	32	stands	stand	VERB
ijosar-1125	26	33	at	at	ADP
ijosar-1125	26	34	7.23	7.23	NUM
ijosar-1125	26	35	%	%	NOUN
ijosar-1125	26	36	.	.	PUNCT
ijosar-1125	27	1	specifically	specifically	ADV
ijosar-1125	27	2	,	,	PUNCT
ijosar-1125	27	3	most	most	ADJ
ijosar-1125	27	4	africans	africans	PROPN
ijosar-1125	27	5	relate	relate	VERB
ijosar-1125	27	6	insurance	insurance	NOUN
ijosar-1125	27	7	to	to	ADP
ijosar-1125	27	8	foreign	foreign	ADJ
ijosar-1125	27	9	ways	way	NOUN
ijosar-1125	27	10	of	of	ADP
ijosar-1125	27	11	risk	risk	NOUN
ijosar-1125	27	12	-	-	PUNCT
ijosar-1125	27	13	sharing	sharing	NOUN
ijosar-1125	27	14	or	or	CCONJ
ijosar-1125	27	15	even	even	ADV
ijosar-1125	27	16	elite	elite	NOUN
ijosar-1125	27	17	,	,	PUNCT
ijosar-1125	27	18	which	which	PRON
ijosar-1125	27	19	discourages	discourage	VERB
ijosar-1125	27	20	use	use	NOUN
ijosar-1125	27	21	in	in	ADP
ijosar-1125	27	22	the	the	DET
ijosar-1125	27	23	rural	rural	ADJ
ijosar-1125	27	24	or	or	CCONJ
ijosar-1125	27	25	low	low	ADJ
ijosar-1125	27	26	income	income	NOUN
ijosar-1125	27	27	communities	community	NOUN
ijosar-1125	27	28	.	.	PUNCT
ijosar-1125	28	1	nevertheless	nevertheless	ADV
ijosar-1125	28	2	,	,	PUNCT
ijosar-1125	28	3	mobile	mobile	ADJ
ijosar-1125	28	4	microinsurance	microinsurance	NOUN
ijosar-1125	28	5	and	and	CCONJ
ijosar-1125	28	6	packaged	package	VERB
ijosar-1125	28	7	insurance	insurance	NOUN
ijosar-1125	28	8	products	product	NOUN
ijosar-1125	28	9	related	relate	VERB
ijosar-1125	28	10	to	to	ADP
ijosar-1125	28	11	health	health	NOUN
ijosar-1125	28	12	,	,	PUNCT
ijosar-1125	28	13	agriculture	agriculture	NOUN
ijosar-1125	28	14	,	,	PUNCT
ijosar-1125	28	15	or	or	CCONJ
ijosar-1125	28	16	credit	credit	NOUN
ijosar-1125	28	17	services	service	NOUN
ijosar-1125	28	18	have	have	AUX
ijosar-1125	28	19	proven	prove	VERB
ijosar-1125	28	20	to	to	PART
ijosar-1125	28	21	be	be	AUX
ijosar-1125	28	22	promising	promise	VERB
ijosar-1125	28	23	in	in	ADP
ijosar-1125	28	24	increasing	increase	VERB
ijosar-1125	28	25	reach	reach	NOUN
ijosar-1125	28	26	.	.	PUNCT
ijosar-1125	29	1	in	in	ADP
ijosar-1125	29	2	east	east	PROPN
ijosar-1125	29	3	africa	africa	PROPN
ijosar-1125	29	4	,	,	PUNCT
ijosar-1125	29	5	there	there	PRON
ijosar-1125	29	6	is	be	VERB
ijosar-1125	29	7	an	an	DET
ijosar-1125	29	8	upsurge	upsurge	NOUN
ijosar-1125	29	9	in	in	ADP
ijosar-1125	29	10	insurance	insurance	NOUN
ijosar-1125	29	11	development	development	NOUN
ijosar-1125	29	12	although	although	SCONJ
ijosar-1125	29	13	the	the	DET
ijosar-1125	29	14	penetration	penetration	NOUN
ijosar-1125	29	15	levels	level	NOUN
ijosar-1125	29	16	are	be	AUX
ijosar-1125	29	17	not	not	PART
ijosar-1125	29	18	at	at	ADP
ijosar-1125	29	19	a	a	DET
ijosar-1125	29	20	high	high	ADJ
ijosar-1125	29	21	level	level	NOUN
ijosar-1125	29	22	.	.	PUNCT
ijosar-1125	30	1	even	even	ADV
ijosar-1125	30	2	such	such	ADJ
ijosar-1125	30	3	countries	country	NOUN
ijosar-1125	30	4	as	as	ADP
ijosar-1125	30	5	kenya	kenya	NOUN
ijosar-1125	30	6	(	(	PUNCT
ijosar-1125	30	7	2.3	2.3	NUM
ijosar-1125	30	8	%	%	NOUN
ijosar-1125	30	9	)	)	PUNCT
ijosar-1125	30	10	,	,	PUNCT
ijosar-1125	30	11	tanzania	tanzania	PROPN
ijosar-1125	30	12	(	(	PUNCT
ijosar-1125	30	13	1.5	1.5	NUM
ijosar-1125	30	14	%	%	NOUN
ijosar-1125	30	15	)	)	PUNCT
ijosar-1125	30	16	,	,	PUNCT
ijosar-1125	30	17	uganda	uganda	PROPN
ijosar-1125	30	18	(	(	PUNCT
ijosar-1125	30	19	0.9	0.9	NUM
ijosar-1125	30	20	%	%	NOUN
ijosar-1125	30	21	)	)	PUNCT
ijosar-1125	30	22	,	,	PUNCT
ijosar-1125	30	23	and	and	CCONJ
ijosar-1125	30	24	rwanda	rwanda	PROPN
ijosar-1125	30	25	(	(	PUNCT
ijosar-1125	30	26	1.7	1.7	NUM
ijosar-1125	30	27	%	%	NOUN
ijosar-1125	30	28	)	)	PUNCT
ijosar-1125	30	29	are	be	AUX
ijosar-1125	30	30	below	below	ADP
ijosar-1125	30	31	the	the	DET
ijosar-1125	30	32	international	international	ADJ
ijosar-1125	30	33	standards	standard	NOUN
ijosar-1125	30	34	(	(	PUNCT
ijosar-1125	30	35	eaisa	eaisa	NOUN
ijosar-1125	30	36	,	,	PUNCT
ijosar-1125	30	37	2023	2023	NUM
ijosar-1125	30	38	)	)	PUNCT
ijosar-1125	30	39	.	.	PUNCT
ijosar-1125	31	1	empirical	empirical	ADJ
ijosar-1125	31	2	evidence	evidence	NOUN
ijosar-1125	31	3	as	as	ADP
ijosar-1125	31	4	muiruri	muiruri	NOUN
ijosar-1125	31	5	and	and	CCONJ
ijosar-1125	31	6	bosire	bosire	NOUN
ijosar-1125	31	7	(	(	PUNCT
ijosar-1125	31	8	2020	2020	NUM
ijosar-1125	31	9	)	)	PUNCT
ijosar-1125	31	10	in	in	ADP
ijosar-1125	31	11	kenya	kenya	NOUN
ijosar-1125	31	12	and	and	CCONJ
ijosar-1125	31	13	kiiza	kiiza	PROPN
ijosar-1125	31	14	and	and	CCONJ
ijosar-1125	31	15	pederson	pederson	PROPN
ijosar-1125	31	16	(	(	PUNCT
ijosar-1125	31	17	2021	2021	NUM
ijosar-1125	31	18	)	)	PUNCT
ijosar-1125	31	19	in	in	ADP
ijosar-1125	31	20	uganda	uganda	PROPN
ijosar-1125	31	21	can	can	AUX
ijosar-1125	31	22	testify	testify	VERB
ijosar-1125	31	23	to	to	ADP
ijosar-1125	31	24	the	the	DET
ijosar-1125	31	25	fact	fact	NOUN
ijosar-1125	31	26	that	that	SCONJ
ijosar-1125	31	27	financial	financial	ADJ
ijosar-1125	31	28	literacy	literacy	NOUN
ijosar-1125	31	29	,	,	PUNCT
ijosar-1125	31	30	affordability	affordability	NOUN
ijosar-1125	31	31	,	,	PUNCT
ijosar-1125	31	32	accessibility	accessibility	NOUN
ijosar-1125	31	33	of	of	ADP
ijosar-1125	31	34	services	service	NOUN
ijosar-1125	31	35	,	,	PUNCT
ijosar-1125	31	36	and	and	CCONJ
ijosar-1125	31	37	a	a	DET
ijosar-1125	31	38	positive	positive	ADJ
ijosar-1125	31	39	experience	experience	NOUN
ijosar-1125	31	40	about	about	ADP
ijosar-1125	31	41	the	the	DET
ijosar-1125	31	42	claims	claim	NOUN
ijosar-1125	31	43	are	be	AUX
ijosar-1125	31	44	some	some	PRON
ijosar-1125	31	45	of	of	ADP
ijosar-1125	31	46	the	the	DET
ijosar-1125	31	47	determinants	determinant	NOUN
ijosar-1125	31	48	of	of	ADP
ijosar-1125	31	49	uptake	uptake	ADJ
ijosar-1125	31	50	.	.	PUNCT
ijosar-1125	32	1	in	in	ADP
ijosar-1125	32	2	kenya	kenya	PROPN
ijosar-1125	32	3	,	,	PUNCT
ijosar-1125	32	4	digital	digital	ADJ
ijosar-1125	32	5	platforms	platform	NOUN
ijosar-1125	32	6	such	such	ADJ
ijosar-1125	32	7	as	as	ADP
ijosar-1125	32	8	m	m	PROPN
ijosar-1125	32	9	-	-	PROPN
ijosar-1125	32	10	tiba	tiba	PROPN
ijosar-1125	32	11	and	and	CCONJ
ijosar-1125	32	12	kilimo	kilimo	PROPN
ijosar-1125	32	13	salama	salama	NOUN
ijosar-1125	32	14	are	be	AUX
ijosar-1125	32	15	emerging	emerge	VERB
ijosar-1125	32	16	to	to	PART
ijosar-1125	32	17	facilitate	facilitate	VERB
ijosar-1125	32	18	delivery	delivery	NOUN
ijosar-1125	32	19	of	of	ADP
ijosar-1125	32	20	insurance	insurance	NOUN
ijosar-1125	32	21	,	,	PUNCT
ijosar-1125	32	22	particularly	particularly	ADV
ijosar-1125	32	23	in	in	ADP
ijosar-1125	32	24	health	health	NOUN
ijosar-1125	32	25	and	and	CCONJ
ijosar-1125	32	26	agricultural	agricultural	ADJ
ijosar-1125	32	27	insurance	insurance	NOUN
ijosar-1125	32	28	.	.	PUNCT
ijosar-1125	33	1	in	in	ADP
ijosar-1125	33	2	case	case	NOUN
ijosar-1125	33	3	of	of	ADP
ijosar-1125	33	4	rwanda	rwanda	PROPN
ijosar-1125	33	5	and	and	CCONJ
ijosar-1125	33	6	tanzania	tanzania	PROPN
ijosar-1125	33	7	,	,	PUNCT
ijosar-1125	33	8	government	government	NOUN
ijosar-1125	33	9	-	-	PUNCT
ijosar-1125	33	10	sponsored	sponsor	VERB
ijosar-1125	33	11	health	health	NOUN
ijosar-1125	33	12	programs	program	NOUN
ijosar-1125	33	13	have	have	AUX
ijosar-1125	33	14	managed	manage	VERB
ijosar-1125	33	15	to	to	PART
ijosar-1125	33	16	raise	raise	VERB
ijosar-1125	33	17	the	the	DET
ijosar-1125	33	18	national	national	ADJ
ijosar-1125	33	19	coverage	coverage	NOUN
ijosar-1125	33	20	of	of	ADP
ijosar-1125	33	21	health	health	NOUN
ijosar-1125	33	22	but	but	CCONJ
ijosar-1125	33	23	not	not	PART
ijosar-1125	33	24	voluntary	voluntary	ADJ
ijosar-1125	33	25	insurance	insurance	NOUN
ijosar-1125	33	26	across	across	ADP
ijosar-1125	33	27	other	other	ADJ
ijosar-1125	33	28	of	of	ADP
ijosar-1125	33	29	them	they	PRON
ijosar-1125	33	30	,	,	PUNCT
ijosar-1125	33	31	such	such	ADJ
ijosar-1125	33	32	as	as	ADP
ijosar-1125	33	33	life	life	NOUN
ijosar-1125	33	34	,	,	PUNCT
ijosar-1125	33	35	property	property	NOUN
ijosar-1125	33	36	,	,	PUNCT
ijosar-1125	33	37	or	or	CCONJ
ijosar-1125	33	38	sme	sme	NOUN
ijosar-1125	33	39	insurance	insurance	NOUN
ijosar-1125	33	40	.	.	PUNCT
ijosar-1125	34	1	moreover	moreover	ADV
ijosar-1125	34	2	,	,	PUNCT
ijosar-1125	34	3	the	the	DET
ijosar-1125	34	4	insurance	insurance	NOUN
ijosar-1125	34	5	penetration	penetration	NOUN
ijosar-1125	34	6	rate	rate	NOUN
ijosar-1125	34	7	in	in	ADP
ijosar-1125	34	8	east	east	PROPN
ijosar-1125	34	9	africa	africa	PROPN
ijosar-1125	34	10	stands	stand	VERB
ijosar-1125	34	11	at	at	ADP
ijosar-1125	34	12	1.39	1.39	NUM
ijosar-1125	34	13	in	in	ADP
ijosar-1125	34	14	2022	2022	NUM
ijosar-1125	34	15	and	and	CCONJ
ijosar-1125	34	16	kenya	kenya	NOUN
ijosar-1125	34	17	is	be	AUX
ijosar-1125	34	18	the	the	DET
ijosar-1125	34	19	leader	leader	NOUN
ijosar-1125	34	20	2.14	2.14	NUM
ijosar-1125	34	21	followed	follow	VERB
ijosar-1125	34	22	by	by	ADP
ijosar-1125	34	23	tanzania	tanzania	PROPN
ijosar-1125	34	24	0.62	0.62	NUM
ijosar-1125	34	25	,	,	PUNCT
ijosar-1125	34	26	uganda	uganda	PROPN
ijosar-1125	34	27	0.74	0.74	NUM
ijosar-1125	34	28	and	and	CCONJ
ijosar-1125	34	29	ethiopia	ethiopia	PROPN
ijosar-1125	34	30	0.3	0.3	NUM
ijosar-1125	34	31	there	there	PRON
ijosar-1125	34	32	is	be	VERB
ijosar-1125	34	33	a	a	DET
ijosar-1125	34	34	paradox	paradox	NOUN
ijosar-1125	34	35	with	with	ADP
ijosar-1125	34	36	regards	regard	NOUN
ijosar-1125	34	37	to	to	ADP
ijosar-1125	34	38	the	the	DET
ijosar-1125	34	39	insurance	insurance	NOUN
ijosar-1125	34	40	development	development	NOUN
ijosar-1125	34	41	in	in	ADP
ijosar-1125	34	42	rwanda	rwanda	PROPN
ijosar-1125	34	43	.	.	PUNCT
ijosar-1125	35	1	though	though	SCONJ
ijosar-1125	35	2	the	the	DET
ijosar-1125	35	3	health	health	NOUN
ijosar-1125	35	4	insurance	insurance	NOUN
ijosar-1125	35	5	cover	cover	NOUN
ijosar-1125	35	6	is	be	AUX
ijosar-1125	35	7	almost	almost	ADV
ijosar-1125	35	8	universal	universal	ADJ
ijosar-1125	35	9	in	in	ADP
ijosar-1125	35	10	the	the	DET
ijosar-1125	35	11	country	country	NOUN
ijosar-1125	35	12	,	,	PUNCT
ijosar-1125	35	13	linked	link	VERB
ijosar-1125	35	14	to	to	ADP
ijosar-1125	35	15	schemes	scheme	NOUN
ijosar-1125	35	16	like	like	ADP
ijosar-1125	35	17	mutuelle	mutuelle	PROPN
ijosar-1125	35	18	de	de	X
ijosar-1125	35	19	santhe	santhe	PROPN
ijosar-1125	35	20	,	,	PUNCT
ijosar-1125	35	21	the	the	DET
ijosar-1125	35	22	enrollmentinto	enrollmentinto	ADP
ijosar-1125	35	23	other	other	ADJ
ijosar-1125	35	24	insurance	insurance	NOUN
ijosar-1125	35	25	schemes	scheme	NOUN
ijosar-1125	35	26	is	be	AUX
ijosar-1125	35	27	very	very	ADV
ijosar-1125	35	28	low	low	ADJ
ijosar-1125	35	29	.	.	PUNCT
ijosar-1125	36	1	according	accord	VERB
ijosar-1125	36	2	to	to	ADP
ijosar-1125	36	3	the	the	DET
ijosar-1125	36	4	national	national	PROPN
ijosar-1125	36	5	bank	bank	PROPN
ijosar-1125	36	6	of	of	ADP
ijosar-1125	36	7	rwanda	rwanda	PROPN
ijosar-1125	36	8	(	(	PUNCT
ijosar-1125	36	9	bnr	bnr	PROPN
ijosar-1125	36	10	,	,	PUNCT
ijosar-1125	36	11	2023	2023	NUM
ijosar-1125	36	12	)	)	PUNCT
ijosar-1125	36	13	,	,	PUNCT
ijosar-1125	36	14	the	the	DET
ijosar-1125	36	15	general	general	ADJ
ijosar-1125	36	16	insurance	insurance	NOUN
ijosar-1125	36	17	penetration	penetration	NOUN
ijosar-1125	36	18	rate	rate	NOUN
ijosar-1125	36	19	in	in	ADP
ijosar-1125	36	20	rwanda	rwanda	PROPN
ijosar-1125	36	21	was	be	AUX
ijosar-1125	36	22	1.7	1.7	NUM
ijosar-1125	36	23	percent	percent	NOUN
ijosar-1125	36	24	of	of	ADP
ijosar-1125	36	25	gdp	gdp	NOUN
ijosar-1125	36	26	,	,	PUNCT
ijosar-1125	36	27	and	and	CCONJ
ijosar-1125	36	28	the	the	DET
ijosar-1125	36	29	total	total	ADJ
ijosar-1125	36	30	amount	amount	NOUN
ijosar-1125	36	31	of	of	ADP
ijosar-1125	36	32	premiums	premium	NOUN
ijosar-1125	36	33	amounted	amount	VERB
ijosar-1125	36	34	to	to	ADP
ijosar-1125	36	35	about	about	ADP
ijosar-1125	36	36	36	36	NUM
ijosar-1125	36	37	million	million	NUM
ijosar-1125	36	38	dollars	dollar	NOUN
ijosar-1125	36	39	and	and	CCONJ
ijosar-1125	36	40	the	the	DET
ijosar-1125	36	41	market	market	NOUN
ijosar-1125	36	42	is	be	AUX
ijosar-1125	36	43	dominated	dominate	VERB
ijosar-1125	36	44	by	by	ADP
ijosar-1125	36	45	non	non	ADJ
ijosar-1125	36	46	-	-	ADJ
ijosar-1125	36	47	life	life	ADJ
ijosar-1125	36	48	insurance	insurance	NOUN
ijosar-1125	36	49	.	.	PUNCT
ijosar-1125	37	1	finscope	finscope	PROPN
ijosar-1125	37	2	rwanda	rwanda	PROPN
ijosar-1125	37	3	(	(	PUNCT
ijosar-1125	37	4	2020	2020	NUM
ijosar-1125	37	5	)	)	PUNCT
ijosar-1125	37	6	revealed	reveal	VERB
ijosar-1125	37	7	that	that	SCONJ
ijosar-1125	37	8	in	in	ADP
ijosar-1125	37	9	rwanda	rwanda	PROPN
ijosar-1125	37	10	,	,	PUNCT
ijosar-1125	37	11	only	only	ADV
ijosar-1125	37	12	12	12	NUM
ijosar-1125	37	13	percent	percent	NOUN
ijosar-1125	37	14	of	of	ADP
ijosar-1125	37	15	adult	adult	NOUN
ijosar-1125	37	16	families	family	NOUN
ijosar-1125	37	17	are	be	AUX
ijosar-1125	37	18	insured	insure	VERB
ijosar-1125	37	19	,	,	PUNCT
ijosar-1125	37	20	whether	whether	SCONJ
ijosar-1125	37	21	by	by	ADP
ijosar-1125	37	22	life	life	NOUN
ijosar-1125	37	23	insurance	insurance	NOUN
ijosar-1125	37	24	or	or	CCONJ
ijosar-1125	37	25	voluntary	voluntary	ADJ
ijosar-1125	37	26	.	.	PUNCT
ijosar-1125	38	1	mobile	mobile	ADJ
ijosar-1125	38	2	ownership	ownership	NOUN
ijosar-1125	38	3	is	be	AUX
ijosar-1125	38	4	over	over	ADP
ijosar-1125	38	5	78	78	NUM
ijosar-1125	38	6	percent	percent	NOUN
ijosar-1125	38	7	(	(	PUNCT
ijosar-1125	38	8	gsma	gsma	NOUN
ijosar-1125	38	9	,	,	PUNCT
ijosar-1125	38	10	2022	2022	NUM
ijosar-1125	38	11	)	)	PUNCT
ijosar-1125	38	12	,	,	PUNCT
ijosar-1125	38	13	yet	yet	CCONJ
ijosar-1125	38	14	there	there	PRON
ijosar-1125	38	15	is	be	VERB
ijosar-1125	38	16	a	a	DET
ijosar-1125	38	17	low	low	ADJ
ijosar-1125	38	18	consumption	consumption	NOUN
ijosar-1125	38	19	of	of	ADP
ijosar-1125	38	20	insurance	insurance	NOUN
ijosar-1125	38	21	subscription	subscription	NOUN
ijosar-1125	38	22	beyond	beyond	ADP
ijosar-1125	38	23	the	the	DET
ijosar-1125	38	24	mandatory	mandatory	ADJ
ijosar-1125	38	25	schemes	scheme	NOUN
ijosar-1125	38	26	.	.	PUNCT
ijosar-1125	39	1	kabera	kabera	NOUN
ijosar-1125	39	2	and	and	CCONJ
ijosar-1125	39	3	mugisha	mugisha	PROPN
ijosar-1125	39	4	(	(	PUNCT
ijosar-1125	39	5	2021	2021	NUM
ijosar-1125	39	6	)	)	PUNCT
ijosar-1125	39	7	and	and	CCONJ
ijosar-1125	39	8	ijo	ijo	PROPN
ijosar-1125	39	9	journals	journal	NOUN
ijosar-1125	39	10	volume	volume	NOUN
ijosar-1125	39	11	08	08	NUM
ijosar-1125	40	1	|	|	ADV
ijosar-1125	40	2	issue	issue	NOUN
ijosar-1125	40	3	08	08	NUM
ijosar-1125	41	1	|	|	ADV
ijosar-1125	41	2	august	august	PROPN
ijosar-1125	41	3	2025	2025	NUM
ijosar-1125	42	1	|	|	ADV
ijosar-1125	42	2	https://ijojournals.com/index.php/ssh/index	https://ijojournals.com/index.php/ssh/index	NOUN
ijosar-1125	42	3	69	69	NUM
ijosar-1125	42	4	ijointernational	ijointernational	ADJ
ijosar-1125	42	5	journal	journal	NOUN
ijosar-1125	42	6	of	of	ADP
ijosar-1125	42	7	social	social	ADJ
ijosar-1125	42	8	science	science	NOUN
ijosar-1125	42	9	and	and	CCONJ
ijosar-1125	42	10	humanities	humanity	NOUN
ijosar-1125	42	11	research	research	NOUN
ijosar-1125	42	12	(	(	PUNCT
ijosar-1125	42	13	issn	issn	PROPN
ijosar-1125	42	14	2811	2811	NUM
ijosar-1125	42	15	-	-	SYM
ijosar-1125	42	16	2466	2466	NUM
ijosar-1125	42	17	)	)	PUNCT
ijosar-1125	42	18	obiora	obiora	PROPN
ijosar-1125	42	19	peters	peters	PROPN
ijosar-1125	42	20	,	,	PUNCT
ijosar-1125	42	21	emeka	emeka	VERB
ijosar-1125	42	22	phd1	phd1	PROPN
ijosar-1125	42	23	*	*	PUNCT
ijosar-1125	42	24	https://ijojournals.com/	https://ijojournals.com/	PROPN
ijosar-1125	42	25	volume	volume	NOUN
ijosar-1125	42	26	08	08	NUM
ijosar-1125	43	1	||	||	PROPN
ijosar-1125	43	2	issue	issue	NOUN
ijosar-1125	43	3	08	08	NUM
ijosar-1125	43	4	||	||	NOUN
ijosar-1125	43	5	august	august	PROPN
ijosar-1125	43	6	,	,	PUNCT
ijosar-1125	43	7	2025	2025	NUM
ijosar-1125	43	8	||	||	PUNCT
ijosar-1125	44	1	“	"	PUNCT
ijosar-1125	44	2	determinants	determinant	NOUN
ijosar-1125	44	3	of	of	ADP
ijosar-1125	44	4	insurance	insurance	NOUN
ijosar-1125	44	5	uptake	uptake	ADJ
ijosar-1125	44	6	in	in	ADP
ijosar-1125	44	7	rwanda	rwanda	PROPN
ijosar-1125	44	8	a	a	DET
ijosar-1125	44	9	case	case	NOUN
ijosar-1125	44	10	study	study	NOUN
ijosar-1125	44	11	of	of	ADP
ijosar-1125	44	12	radiant	radiant	ADJ
ijosar-1125	44	13	insurance	insurance	NOUN
ijosar-1125	44	14	company	company	NOUN
ijosar-1125	44	15	limited	limit	VERB
ijosar-1125	44	16	(	(	PUNCT
ijosar-1125	44	17	2020	2020	NUM
ijosar-1125	44	18	-	-	SYM
ijosar-1125	44	19	2024	2024	NUM
ijosar-1125	44	20	)	)	PUNCT
ijosar-1125	44	21	"	"	PUNCT
ijosar-1125	44	22	nzeyimana	nzeyimana	NOUN
ijosar-1125	44	23	et	et	PROPN
ijosar-1125	44	24	al	al	PROPN
ijosar-1125	44	25	.	.	PROPN
ijosar-1125	45	1	(	(	PUNCT
ijosar-1125	45	2	2022	2022	NUM
ijosar-1125	45	3	)	)	PUNCT
ijosar-1125	45	4	found	find	VERB
ijosar-1125	45	5	cultural	cultural	ADJ
ijosar-1125	45	6	beliefs	belief	NOUN
ijosar-1125	45	7	,	,	PUNCT
ijosar-1125	45	8	lack	lack	NOUN
ijosar-1125	45	9	of	of	ADP
ijosar-1125	45	10	education	education	NOUN
ijosar-1125	45	11	,	,	PUNCT
ijosar-1125	45	12	negative	negative	ADJ
ijosar-1125	45	13	claims	claim	NOUN
ijosar-1125	45	14	experiences	experience	NOUN
ijosar-1125	45	15	,	,	PUNCT
ijosar-1125	45	16	and	and	CCONJ
ijosar-1125	45	17	affordability	affordability	NOUN
ijosar-1125	45	18	to	to	PART
ijosar-1125	45	19	be	be	AUX
ijosar-1125	45	20	big	big	ADJ
ijosar-1125	45	21	obstacles	obstacle	NOUN
ijosar-1125	45	22	to	to	ADP
ijosar-1125	45	23	broader	broad	ADJ
ijosar-1125	45	24	use	use	NOUN
ijosar-1125	45	25	.	.	PUNCT
ijosar-1125	46	1	it	it	PRON
ijosar-1125	46	2	was	be	AUX
ijosar-1125	46	3	observed	observe	VERB
ijosar-1125	46	4	that	that	SCONJ
ijosar-1125	46	5	the	the	DET
ijosar-1125	46	6	consumption	consumption	NOUN
ijosar-1125	46	7	of	of	ADP
ijosar-1125	46	8	insurance	insurance	NOUN
ijosar-1125	46	9	is	be	AUX
ijosar-1125	46	10	better	well	ADJ
ijosar-1125	46	11	in	in	ADP
ijosar-1125	46	12	more	more	ADJ
ijosar-1125	46	13	developed	develop	VERB
ijosar-1125	46	14	economies	economy	NOUN
ijosar-1125	46	15	(	(	PUNCT
ijosar-1125	46	16	allianz	allianz	PROPN
ijosar-1125	46	17	research	research	NOUN
ijosar-1125	46	18	,	,	PUNCT
ijosar-1125	46	19	2024	2024	NUM
ijosar-1125	46	20	;	;	PUNCT
ijosar-1125	46	21	oecd	oecd	PROPN
ijosar-1125	46	22	,	,	PUNCT
ijosar-1125	46	23	2024	2024	NUM
ijosar-1125	46	24	)	)	PUNCT
ijosar-1125	46	25	.	.	PUNCT
ijosar-1125	47	1	particularly	particularly	ADV
ijosar-1125	47	2	urgent	urgent	ADJ
ijosar-1125	47	3	,	,	PUNCT
ijosar-1125	47	4	is	be	AUX
ijosar-1125	47	5	a	a	DET
ijosar-1125	47	6	study	study	NOUN
ijosar-1125	47	7	like	like	ADP
ijosar-1125	47	8	this	this	PRON
ijosar-1125	47	9	,	,	PUNCT
ijosar-1125	47	10	when	when	SCONJ
ijosar-1125	47	11	considered	consider	VERB
ijosar-1125	47	12	through	through	ADP
ijosar-1125	47	13	the	the	DET
ijosar-1125	47	14	lenses	lense	NOUN
ijosar-1125	47	15	of	of	ADP
ijosar-1125	47	16	the	the	DET
ijosar-1125	47	17	rwandan	rwandan	PROPN
ijosar-1125	47	18	radiant	radiant	PROPN
ijosar-1125	47	19	insurance	insurance	PROPN
ijosar-1125	47	20	company	company	NOUN
ijosar-1125	47	21	limited	limit	VERB
ijosar-1125	47	22	,	,	PUNCT
ijosar-1125	47	23	which	which	PRON
ijosar-1125	47	24	is	be	AUX
ijosar-1125	47	25	among	among	ADP
ijosar-1125	47	26	the	the	DET
ijosar-1125	47	27	most	most	ADV
ijosar-1125	47	28	prominent	prominent	ADJ
ijosar-1125	47	29	indigenous	indigenous	ADJ
ijosar-1125	47	30	insurers	insurer	NOUN
ijosar-1125	47	31	in	in	ADP
ijosar-1125	47	32	the	the	DET
ijosar-1125	47	33	country	country	NOUN
ijosar-1125	47	34	.	.	PUNCT
ijosar-1125	48	1	radiant	radiant	PROPN
ijosar-1125	48	2	insurance	insurance	PROPN
ijosar-1125	48	3	was	be	AUX
ijosar-1125	48	4	founded	found	VERB
ijosar-1125	48	5	in	in	ADP
ijosar-1125	48	6	2011	2011	NUM
ijosar-1125	48	7	and	and	CCONJ
ijosar-1125	48	8	ever	ever	ADV
ijosar-1125	48	9	since	since	ADV
ijosar-1125	48	10	;	;	PUNCT
ijosar-1125	48	11	it	it	PRON
ijosar-1125	48	12	acted	act	VERB
ijosar-1125	48	13	as	as	ADP
ijosar-1125	48	14	a	a	DET
ijosar-1125	48	15	major	major	ADJ
ijosar-1125	48	16	player	player	NOUN
ijosar-1125	48	17	towards	towards	ADP
ijosar-1125	48	18	increasing	increase	VERB
ijosar-1125	48	19	general	general	ADJ
ijosar-1125	48	20	and	and	CCONJ
ijosar-1125	48	21	health	health	NOUN
ijosar-1125	48	22	insurance	insurance	NOUN
ijosar-1125	48	23	products	product	NOUN
ijosar-1125	48	24	in	in	ADP
ijosar-1125	48	25	the	the	DET
ijosar-1125	48	26	country	country	NOUN
ijosar-1125	48	27	.	.	PUNCT
ijosar-1125	49	1	the	the	DET
ijosar-1125	49	2	company	company	NOUN
ijosar-1125	49	3	has	have	AUX
ijosar-1125	49	4	advanced	advance	VERB
ijosar-1125	49	5	with	with	ADP
ijosar-1125	49	6	motor	motor	NOUN
ijosar-1125	49	7	,	,	PUNCT
ijosar-1125	49	8	fire	fire	NOUN
ijosar-1125	49	9	,	,	PUNCT
ijosar-1125	49	10	health	health	NOUN
ijosar-1125	49	11	and	and	CCONJ
ijosar-1125	49	12	group	group	NOUN
ijosar-1125	49	13	life	life	NOUN
ijosar-1125	49	14	insurance	insurance	NOUN
ijosar-1125	49	15	and	and	CCONJ
ijosar-1125	49	16	has	have	AUX
ijosar-1125	49	17	also	also	ADV
ijosar-1125	49	18	earned	earn	VERB
ijosar-1125	49	19	significant	significant	ADJ
ijosar-1125	49	20	recognition	recognition	NOUN
ijosar-1125	49	21	in	in	ADP
ijosar-1125	49	22	the	the	DET
ijosar-1125	49	23	endeavors	endeavor	NOUN
ijosar-1125	49	24	to	to	PART
ijosar-1125	49	25	reach	reach	VERB
ijosar-1125	49	26	out	out	ADP
ijosar-1125	49	27	to	to	ADP
ijosar-1125	49	28	urban	urban	ADJ
ijosar-1125	49	29	as	as	ADV
ijosar-1125	49	30	well	well	ADV
ijosar-1125	49	31	as	as	ADP
ijosar-1125	49	32	semi	semi	ADJ
ijosar-1125	49	33	-	-	ADJ
ijosar-1125	49	34	urban	urban	ADJ
ijosar-1125	49	35	markets	market	NOUN
ijosar-1125	49	36	.	.	PUNCT
ijosar-1125	50	1	nevertheless	nevertheless	ADV
ijosar-1125	50	2	,	,	PUNCT
ijosar-1125	50	3	in	in	ADP
ijosar-1125	50	4	its	its	PRON
ijosar-1125	50	5	product	product	NOUN
ijosar-1125	50	6	diversification	diversification	NOUN
ijosar-1125	50	7	and	and	CCONJ
ijosar-1125	50	8	nation	nation	NOUN
ijosar-1125	50	9	wide	wide	ADJ
ijosar-1125	50	10	availability	availability	NOUN
ijosar-1125	50	11	,	,	PUNCT
ijosar-1125	50	12	radiant	radiant	ADJ
ijosar-1125	50	13	insurance	insurance	NOUN
ijosar-1125	50	14	has	have	AUX
ijosar-1125	50	15	still	still	ADV
ijosar-1125	50	16	struggled	struggle	VERB
ijosar-1125	50	17	with	with	ADP
ijosar-1125	50	18	customer	customer	NOUN
ijosar-1125	50	19	acquisition	acquisition	NOUN
ijosar-1125	50	20	and	and	CCONJ
ijosar-1125	50	21	retention	retention	NOUN
ijosar-1125	50	22	of	of	ADP
ijosar-1125	50	23	nonmandatory	nonmandatory	ADJ
ijosar-1125	50	24	insurance	insurance	NOUN
ijosar-1125	50	25	segments	segment	NOUN
ijosar-1125	50	26	as	as	ADP
ijosar-1125	50	27	many	many	ADJ
ijosar-1125	50	28	players	player	NOUN
ijosar-1125	50	29	in	in	ADP
ijosar-1125	50	30	the	the	DET
ijosar-1125	50	31	rwanda	rwanda	PROPN
ijosar-1125	50	32	market	market	NOUN
ijosar-1125	50	33	.	.	PUNCT
ijosar-1125	51	1	internal	internal	ADJ
ijosar-1125	51	2	performance	performance	NOUN
ijosar-1125	51	3	reports	report	NOUN
ijosar-1125	51	4	and	and	CCONJ
ijosar-1125	51	5	sector	sector	NOUN
ijosar-1125	51	6	statistics	statistic	NOUN
ijosar-1125	51	7	indicate	indicate	VERB
ijosar-1125	51	8	that	that	SCONJ
ijosar-1125	51	9	radiant	radiant	ADJ
ijosar-1125	51	10	insurance	insurance	NOUN
ijosar-1125	51	11	is	be	AUX
ijosar-1125	51	12	still	still	ADV
ijosar-1125	51	13	grappling	grapple	VERB
ijosar-1125	51	14	with	with	ADP
ijosar-1125	51	15	the	the	DET
ijosar-1125	51	16	idea	idea	NOUN
ijosar-1125	51	17	of	of	ADP
ijosar-1125	51	18	growing	grow	VERB
ijosar-1125	51	19	in	in	ADP
ijosar-1125	51	20	individual	individual	ADJ
ijosar-1125	51	21	life	life	NOUN
ijosar-1125	51	22	and	and	CCONJ
ijosar-1125	51	23	property	property	NOUN
ijosar-1125	51	24	insurance	insurance	NOUN
ijosar-1125	51	25	particularly	particularly	ADV
ijosar-1125	51	26	on	on	ADP
ijosar-1125	51	27	informal	informal	ADJ
ijosar-1125	51	28	sector	sector	NOUN
ijosar-1125	51	29	workers	worker	NOUN
ijosar-1125	51	30	and	and	CCONJ
ijosar-1125	51	31	people	people	NOUN
ijosar-1125	51	32	in	in	ADP
ijosar-1125	51	33	the	the	DET
ijosar-1125	51	34	countryside	countryside	NOUN
ijosar-1125	51	35	.	.	PUNCT
ijosar-1125	52	1	based	base	VERB
ijosar-1125	52	2	on	on	ADP
ijosar-1125	52	3	anecdotal	anecdotal	ADJ
ijosar-1125	52	4	evidence	evidence	NOUN
ijosar-1125	52	5	,	,	PUNCT
ijosar-1125	52	6	as	as	ADV
ijosar-1125	52	7	well	well	ADV
ijosar-1125	52	8	as	as	ADP
ijosar-1125	52	9	preliminary	preliminary	ADJ
ijosar-1125	52	10	surveys	survey	NOUN
ijosar-1125	52	11	,	,	PUNCT
ijosar-1125	52	12	it	it	PRON
ijosar-1125	52	13	is	be	AUX
ijosar-1125	52	14	clear	clear	ADJ
ijosar-1125	52	15	that	that	SCONJ
ijosar-1125	52	16	most	most	ADJ
ijosar-1125	52	17	of	of	ADP
ijosar-1125	52	18	the	the	DET
ijosar-1125	52	19	potential	potential	ADJ
ijosar-1125	52	20	clients	client	NOUN
ijosar-1125	52	21	either	either	CCONJ
ijosar-1125	52	22	do	do	AUX
ijosar-1125	52	23	not	not	PART
ijosar-1125	52	24	know	know	VERB
ijosar-1125	52	25	about	about	ADP
ijosar-1125	52	26	radiant	radiant	ADJ
ijosar-1125	52	27	offerings	offering	NOUN
ijosar-1125	52	28	or	or	CCONJ
ijosar-1125	52	29	they	they	PRON
ijosar-1125	52	30	consider	consider	VERB
ijosar-1125	52	31	insurance	insurance	NOUN
ijosar-1125	52	32	undependable	undependable	ADJ
ijosar-1125	52	33	or	or	CCONJ
ijosar-1125	52	34	they	they	PRON
ijosar-1125	52	35	believe	believe	VERB
ijosar-1125	52	36	insurance	insurance	NOUN
ijosar-1125	52	37	to	to	PART
ijosar-1125	52	38	be	be	AUX
ijosar-1125	52	39	too	too	ADV
ijosar-1125	52	40	expensive	expensive	ADJ
ijosar-1125	52	41	.	.	PUNCT
ijosar-1125	53	1	this	this	PRON
ijosar-1125	53	2	is	be	AUX
ijosar-1125	53	3	in	in	ADP
ijosar-1125	53	4	accordance	accordance	NOUN
ijosar-1125	53	5	to	to	ADP
ijosar-1125	53	6	the	the	DET
ijosar-1125	53	7	trends	trend	NOUN
ijosar-1125	53	8	at	at	ADP
ijosar-1125	53	9	the	the	DET
ijosar-1125	53	10	national	national	ADJ
ijosar-1125	53	11	level	level	NOUN
ijosar-1125	53	12	where	where	SCONJ
ijosar-1125	53	13	most	most	ADJ
ijosar-1125	53	14	consumers	consumer	NOUN
ijosar-1125	53	15	tend	tend	VERB
ijosar-1125	53	16	to	to	PART
ijosar-1125	53	17	be	be	AUX
ijosar-1125	53	18	shy	shy	ADJ
ijosar-1125	53	19	of	of	ADP
ijosar-1125	53	20	approaching	approach	VERB
ijosar-1125	53	21	the	the	DET
ijosar-1125	53	22	services	service	NOUN
ijosar-1125	53	23	of	of	ADP
ijosar-1125	53	24	privately	privately	ADV
ijosar-1125	53	25	owned	own	VERB
ijosar-1125	53	26	insurers	insurer	NOUN
ijosar-1125	53	27	unless	unless	SCONJ
ijosar-1125	53	28	obliged	oblige	VERB
ijosar-1125	53	29	by	by	ADP
ijosar-1125	53	30	a	a	DET
ijosar-1125	53	31	law	law	NOUN
ijosar-1125	53	32	.	.	PUNCT
ijosar-1125	54	1	also	also	ADV
ijosar-1125	54	2	,	,	PUNCT
ijosar-1125	54	3	the	the	DET
ijosar-1125	54	4	hurdle	hurdle	NOUN
ijosar-1125	54	5	that	that	PRON
ijosar-1125	54	6	radiant	radiant	ADJ
ijosar-1125	54	7	faces	face	VERB
ijosar-1125	54	8	is	be	AUX
ijosar-1125	54	9	the	the	DET
ijosar-1125	54	10	fact	fact	NOUN
ijosar-1125	54	11	that	that	SCONJ
ijosar-1125	54	12	,	,	PUNCT
ijosar-1125	54	13	it	it	PRON
ijosar-1125	54	14	does	do	AUX
ijosar-1125	54	15	not	not	PART
ijosar-1125	54	16	have	have	AUX
ijosar-1125	54	17	a	a	DET
ijosar-1125	54	18	wide	wide	ADJ
ijosar-1125	54	19	channel	channel	NOUN
ijosar-1125	54	20	of	of	ADP
ijosar-1125	54	21	distribution	distribution	NOUN
ijosar-1125	54	22	,	,	PUNCT
ijosar-1125	54	23	the	the	DET
ijosar-1125	54	24	literacy	literacy	NOUN
ijosar-1125	54	25	of	of	ADP
ijosar-1125	54	26	the	the	DET
ijosar-1125	54	27	people	people	NOUN
ijosar-1125	54	28	towards	towards	ADP
ijosar-1125	54	29	insurance	insurance	NOUN
ijosar-1125	54	30	and	and	CCONJ
ijosar-1125	54	31	the	the	DET
ijosar-1125	54	32	strong	strong	ADJ
ijosar-1125	54	33	competition	competition	NOUN
ijosar-1125	54	34	in	in	ADP
ijosar-1125	54	35	the	the	DET
ijosar-1125	54	36	market	market	NOUN
ijosar-1125	54	37	by	by	ADP
ijosar-1125	54	38	both	both	CCONJ
ijosar-1125	54	39	local	local	ADJ
ijosar-1125	54	40	and	and	CCONJ
ijosar-1125	54	41	foreign	foreign	ADJ
ijosar-1125	54	42	insurance	insurance	NOUN
ijosar-1125	54	43	companies	company	NOUN
ijosar-1125	54	44	in	in	ADP
ijosar-1125	54	45	the	the	DET
ijosar-1125	54	46	similar	similar	ADJ
ijosar-1125	54	47	market	market	NOUN
ijosar-1125	54	48	.	.	PUNCT
ijosar-1125	55	1	however	however	ADV
ijosar-1125	55	2	,	,	PUNCT
ijosar-1125	55	3	radiant	radiant	ADJ
ijosar-1125	55	4	insurance	insurance	NOUN
ijosar-1125	55	5	will	will	AUX
ijosar-1125	55	6	be	be	AUX
ijosar-1125	55	7	in	in	ADP
ijosar-1125	55	8	a	a	DET
ijosar-1125	55	9	unique	unique	ADJ
ijosar-1125	55	10	situation	situation	NOUN
ijosar-1125	55	11	because	because	SCONJ
ijosar-1125	55	12	it	it	PRON
ijosar-1125	55	13	is	be	AUX
ijosar-1125	55	14	a	a	DET
ijosar-1125	55	15	home	home	NOUN
ijosar-1125	55	16	grown	grow	VERB
ijosar-1125	55	17	rwandan	rwandan	PROPN
ijosar-1125	55	18	insurace	insurace	PROPN
ijosar-1125	55	19	close	close	ADV
ijosar-1125	55	20	to	to	ADP
ijosar-1125	55	21	the	the	DET
ijosar-1125	55	22	locals	local	NOUN
ijosar-1125	55	23	,	,	PUNCT
ijosar-1125	55	24	with	with	ADP
ijosar-1125	55	25	knowledge	knowledge	NOUN
ijosar-1125	55	26	of	of	ADP
ijosar-1125	55	27	their	their	PRON
ijosar-1125	55	28	culture	culture	NOUN
ijosar-1125	55	29	,	,	PUNCT
ijosar-1125	55	30	and	and	CCONJ
ijosar-1125	55	31	operating	operating	NOUN
ijosar-1125	55	32	flexibility	flexibility	NOUN
ijosar-1125	55	33	.	.	PUNCT
ijosar-1125	56	1	it	it	PRON
ijosar-1125	56	2	has	have	VERB
ijosar-1125	56	3	the	the	DET
ijosar-1125	56	4	prospect	prospect	NOUN
ijosar-1125	56	5	of	of	ADP
ijosar-1125	56	6	leading	lead	VERB
ijosar-1125	56	7	the	the	DET
ijosar-1125	56	8	way	way	NOUN
ijosar-1125	56	9	in	in	ADP
ijosar-1125	56	10	terms	term	NOUN
ijosar-1125	56	11	of	of	ADP
ijosar-1125	56	12	inclusive	inclusive	ADJ
ijosar-1125	56	13	models	model	NOUN
ijosar-1125	56	14	of	of	ADP
ijosar-1125	56	15	insurance	insurance	NOUN
ijosar-1125	56	16	,	,	PUNCT
ijosar-1125	56	17	but	but	CCONJ
ijosar-1125	56	18	this	this	PRON
ijosar-1125	56	19	is	be	AUX
ijosar-1125	56	20	unfulfilled	unfulfilled	ADJ
ijosar-1125	56	21	.	.	PUNCT
ijosar-1125	57	1	consequently	consequently	ADV
ijosar-1125	57	2	,	,	PUNCT
ijosar-1125	57	3	the	the	DET
ijosar-1125	57	4	research	research	NOUN
ijosar-1125	57	5	aims	aim	VERB
ijosar-1125	57	6	at	at	ADP
ijosar-1125	57	7	addressing	address	VERB
ijosar-1125	57	8	the	the	DET
ijosar-1125	57	9	determinants	determinant	NOUN
ijosar-1125	57	10	of	of	ADP
ijosar-1125	57	11	insurance	insurance	NOUN
ijosar-1125	57	12	uptake	uptake	ADJ
ijosar-1125	57	13	and	and	CCONJ
ijosar-1125	57	14	barriers	barrier	NOUN
ijosar-1125	57	15	in	in	ADP
ijosar-1125	57	16	rwanda	rwanda	PROPN
ijosar-1125	57	17	as	as	ADP
ijosar-1125	57	18	a	a	DET
ijosar-1125	57	19	matter	matter	NOUN
ijosar-1125	57	20	of	of	ADP
ijosar-1125	57	21	urgency	urgency	NOUN
ijosar-1125	57	22	using	use	VERB
ijosar-1125	57	23	the	the	DET
ijosar-1125	57	24	case	case	NOUN
ijosar-1125	57	25	of	of	ADP
ijosar-1125	57	26	radiant	radiant	ADJ
ijosar-1125	57	27	insurance	insurance	NOUN
ijosar-1125	57	28	company	company	NOUN
ijosar-1125	57	29	limited	limit	VERB
ijosar-1125	57	30	.	.	PUNCT
ijosar-1125	58	1	this	this	DET
ijosar-1125	58	2	research	research	NOUN
ijosar-1125	58	3	can	can	AUX
ijosar-1125	58	4	help	help	VERB
ijosar-1125	58	5	to	to	PART
ijosar-1125	58	6	extract	extract	VERB
ijosar-1125	58	7	more	more	ADV
ijosar-1125	58	8	actionable	actionable	ADJ
ijosar-1125	58	9	insights	insight	NOUN
ijosar-1125	58	10	not	not	PART
ijosar-1125	58	11	only	only	ADV
ijosar-1125	58	12	about	about	ADP
ijosar-1125	58	13	radiant	radiant	ADJ
ijosar-1125	58	14	but	but	CCONJ
ijosar-1125	58	15	also	also	ADV
ijosar-1125	58	16	about	about	ADP
ijosar-1125	58	17	the	the	DET
ijosar-1125	58	18	insurance	insurance	NOUN
ijosar-1125	58	19	industry	industry	NOUN
ijosar-1125	58	20	in	in	ADP
ijosar-1125	58	21	rwanda	rwanda	PROPN
ijosar-1125	58	22	as	as	ADP
ijosar-1125	58	23	a	a	DET
ijosar-1125	58	24	whole	whole	NOUN
ijosar-1125	58	25	since	since	SCONJ
ijosar-1125	58	26	it	it	PRON
ijosar-1125	58	27	has	have	AUX
ijosar-1125	58	28	defined	define	VERB
ijosar-1125	58	29	the	the	DET
ijosar-1125	58	30	main	main	ADJ
ijosar-1125	58	31	factors	factor	NOUN
ijosar-1125	58	32	that	that	PRON
ijosar-1125	58	33	affect	affect	VERB
ijosar-1125	58	34	customer	customer	NOUN
ijosar-1125	58	35	behavior	behavior	NOUN
ijosar-1125	58	36	such	such	ADJ
ijosar-1125	58	37	as	as	ADP
ijosar-1125	58	38	the	the	DET
ijosar-1125	58	39	economy	economy	NOUN
ijosar-1125	58	40	capacity	capacity	NOUN
ijosar-1125	58	41	and	and	CCONJ
ijosar-1125	58	42	awareness	awareness	NOUN
ijosar-1125	58	43	,	,	PUNCT
ijosar-1125	58	44	trust	trust	NOUN
ijosar-1125	58	45	,	,	PUNCT
ijosar-1125	58	46	and	and	CCONJ
ijosar-1125	58	47	services	service	NOUN
ijosar-1125	58	48	delivery	delivery	NOUN
ijosar-1125	58	49	.	.	PUNCT
ijosar-1125	59	1	with	with	ADP
ijosar-1125	59	2	rwanda	rwanda	PROPN
ijosar-1125	59	3	executing	execute	VERB
ijosar-1125	59	4	the	the	DET
ijosar-1125	59	5	national	national	ADJ
ijosar-1125	59	6	financial	financial	ADJ
ijosar-1125	59	7	sector	sector	NOUN
ijosar-1125	59	8	development	development	NOUN
ijosar-1125	59	9	strategic	strategic	ADJ
ijosar-1125	59	10	plan	plan	NOUN
ijosar-1125	59	11	(	(	PUNCT
ijosar-1125	59	12	2021	2021	NUM
ijosar-1125	59	13	-	-	SYM
ijosar-1125	59	14	2025	2025	NUM
ijosar-1125	59	15	)	)	PUNCT
ijosar-1125	59	16	,	,	PUNCT
ijosar-1125	59	17	that	that	PRON
ijosar-1125	59	18	places	place	VERB
ijosar-1125	59	19	emphasis	emphasis	NOUN
ijosar-1125	59	20	on	on	ADP
ijosar-1125	59	21	the	the	DET
ijosar-1125	59	22	insurance	insurance	NOUN
ijosar-1125	59	23	market	market	NOUN
ijosar-1125	59	24	deepening	deepening	NOUN
ijosar-1125	59	25	and	and	CCONJ
ijosar-1125	59	26	financial	financial	ADJ
ijosar-1125	59	27	inclusion	inclusion	NOUN
ijosar-1125	59	28	,	,	PUNCT
ijosar-1125	59	29	it	it	PRON
ijosar-1125	59	30	is	be	AUX
ijosar-1125	59	31	only	only	ADV
ijosar-1125	59	32	worth	worth	ADJ
ijosar-1125	59	33	noting	note	VERB
ijosar-1125	59	34	that	that	SCONJ
ijosar-1125	59	35	companies	company	NOUN
ijosar-1125	59	36	such	such	ADJ
ijosar-1125	59	37	as	as	ADP
ijosar-1125	59	38	radiant	radiant	ADJ
ijosar-1125	59	39	insurance	insurance	NOUN
ijosar-1125	59	40	urgently	urgently	ADV
ijosar-1125	59	41	need	need	VERB
ijosar-1125	59	42	an	an	DET
ijosar-1125	59	43	academic	academic	ADJ
ijosar-1125	59	44	and	and	CCONJ
ijosar-1125	59	45	policy	policy	NOUN
ijosar-1125	59	46	interest	interest	NOUN
ijosar-1125	59	47	to	to	PART
ijosar-1125	59	48	understand	understand	VERB
ijosar-1125	59	49	their	their	PRON
ijosar-1125	59	50	operational	operational	ADJ
ijosar-1125	59	51	obstacles	obstacle	NOUN
ijosar-1125	59	52	.	.	PUNCT
ijosar-1125	60	1	unless	unless	SCONJ
ijosar-1125	60	2	stringent	stringent	ADJ
ijosar-1125	60	3	empirical	empirical	ADJ
ijosar-1125	60	4	studies	study	NOUN
ijosar-1125	60	5	are	be	AUX
ijosar-1125	60	6	conducted	conduct	VERB
ijosar-1125	60	7	towards	towards	ADP
ijosar-1125	60	8	the	the	DET
ijosar-1125	60	9	cause	cause	NOUN
ijosar-1125	60	10	of	of	ADP
ijosar-1125	60	11	why	why	SCONJ
ijosar-1125	60	12	rwandans	rwandan	NOUN
ijosar-1125	60	13	,	,	PUNCT
ijosar-1125	60	14	particularly	particularly	ADV
ijosar-1125	60	15	in	in	ADP
ijosar-1125	60	16	the	the	DET
ijosar-1125	60	17	informal	informal	ADJ
ijosar-1125	60	18	and	and	CCONJ
ijosar-1125	60	19	rural	rural	ADJ
ijosar-1125	60	20	sectors	sector	NOUN
ijosar-1125	60	21	are	be	AUX
ijosar-1125	60	22	underinsured	underinsured	ADJ
ijosar-1125	60	23	,	,	PUNCT
ijosar-1125	60	24	efforts	effort	NOUN
ijosar-1125	60	25	of	of	ADP
ijosar-1125	60	26	the	the	DET
ijosar-1125	60	27	nation	nation	NOUN
ijosar-1125	60	28	towards	towards	ADP
ijosar-1125	60	29	risk	risk	NOUN
ijosar-1125	60	30	protection	protection	NOUN
ijosar-1125	60	31	,	,	PUNCT
ijosar-1125	60	32	wealth	wealth	NOUN
ijosar-1125	60	33	preservation	preservation	NOUN
ijosar-1125	60	34	and	and	CCONJ
ijosar-1125	60	35	social	social	ADJ
ijosar-1125	60	36	stability	stability	NOUN
ijosar-1125	60	37	might	might	AUX
ijosar-1125	60	38	be	be	AUX
ijosar-1125	60	39	thwarted	thwart	VERB
ijosar-1125	60	40	.	.	PUNCT
ijosar-1125	61	1	2.0	2.0	NUM
ijosar-1125	61	2	literature	literature	NOUN
ijosar-1125	61	3	review	review	VERB
ijosar-1125	61	4	2.1	2.1	NUM
ijosar-1125	61	5	conceptual	conceptual	ADJ
ijosar-1125	61	6	review	review	NOUN
ijosar-1125	61	7	ijo	ijo	PROPN
ijosar-1125	61	8	journals	journal	NOUN
ijosar-1125	61	9	volume	volume	NOUN
ijosar-1125	61	10	08	08	NUM
ijosar-1125	62	1	|	|	ADV
ijosar-1125	62	2	issue	issue	NOUN
ijosar-1125	62	3	08	08	NUM
ijosar-1125	63	1	|	|	ADV
ijosar-1125	63	2	august	august	PROPN
ijosar-1125	63	3	2025	2025	NUM
ijosar-1125	64	1	|	|	ADV
ijosar-1125	64	2	https://ijojournals.com/index.php/ssh/index	https://ijojournals.com/index.php/ssh/index	PROPN
ijosar-1125	64	3	70	70	NUM
ijosar-1125	64	4	ijointernational	ijointernational	ADJ
ijosar-1125	64	5	journal	journal	NOUN
ijosar-1125	64	6	of	of	ADP
ijosar-1125	64	7	social	social	ADJ
ijosar-1125	64	8	science	science	NOUN
ijosar-1125	64	9	and	and	CCONJ
ijosar-1125	64	10	humanities	humanity	NOUN
ijosar-1125	64	11	research	research	NOUN
ijosar-1125	64	12	(	(	PUNCT
ijosar-1125	64	13	issn	issn	PROPN
ijosar-1125	64	14	2811	2811	NUM
ijosar-1125	64	15	-	-	SYM
ijosar-1125	64	16	2466	2466	NUM
ijosar-1125	64	17	)	)	PUNCT
ijosar-1125	64	18	obiora	obiora	PROPN
ijosar-1125	64	19	peters	peters	PROPN
ijosar-1125	64	20	,	,	PUNCT
ijosar-1125	64	21	emeka	emeka	VERB
ijosar-1125	64	22	phd1	phd1	PROPN
ijosar-1125	64	23	*	*	PUNCT
ijosar-1125	64	24	https://ijojournals.com/	https://ijojournals.com/	PROPN
ijosar-1125	64	25	volume	volume	NOUN
ijosar-1125	64	26	08	08	NUM
ijosar-1125	65	1	||	||	PROPN
ijosar-1125	65	2	issue	issue	NOUN
ijosar-1125	65	3	08	08	NUM
ijosar-1125	65	4	||	||	NOUN
ijosar-1125	65	5	august	august	PROPN
ijosar-1125	65	6	,	,	PUNCT
ijosar-1125	65	7	2025	2025	NUM
ijosar-1125	65	8	||	||	PUNCT
ijosar-1125	66	1	“	"	PUNCT
ijosar-1125	66	2	determinants	determinant	NOUN
ijosar-1125	66	3	of	of	ADP
ijosar-1125	66	4	insurance	insurance	NOUN
ijosar-1125	66	5	uptake	uptake	ADJ
ijosar-1125	66	6	in	in	ADP
ijosar-1125	66	7	rwanda	rwanda	PROPN
ijosar-1125	66	8	a	a	DET
ijosar-1125	66	9	case	case	NOUN
ijosar-1125	66	10	study	study	NOUN
ijosar-1125	66	11	of	of	ADP
ijosar-1125	66	12	radiant	radiant	ADJ
ijosar-1125	66	13	insurance	insurance	NOUN
ijosar-1125	66	14	company	company	NOUN
ijosar-1125	66	15	limited	limit	VERB
ijosar-1125	66	16	(	(	PUNCT
ijosar-1125	66	17	2020	2020	NUM
ijosar-1125	66	18	-	-	SYM
ijosar-1125	66	19	2024	2024	NUM
ijosar-1125	66	20	)	)	PUNCT
ijosar-1125	66	21	"	"	PUNCT
ijosar-1125	66	22	insurance	insurance	NOUN
ijosar-1125	66	23	uptake	uptake	ADJ
ijosar-1125	66	24	insurance	insurance	NOUN
ijosar-1125	66	25	uptake	uptake	NOUN
ijosar-1125	66	26	is	be	AUX
ijosar-1125	66	27	described	describe	VERB
ijosar-1125	66	28	as	as	ADP
ijosar-1125	66	29	the	the	DET
ijosar-1125	66	30	acquisition	acquisition	NOUN
ijosar-1125	66	31	and	and	CCONJ
ijosar-1125	66	32	continuous	continuous	ADJ
ijosar-1125	66	33	uptake	uptake	NOUN
ijosar-1125	66	34	of	of	ADP
ijosar-1125	66	35	insurance	insurance	NOUN
ijosar-1125	66	36	products	product	NOUN
ijosar-1125	66	37	to	to	PART
ijosar-1125	66	38	handle	handle	VERB
ijosar-1125	66	39	risks	risk	NOUN
ijosar-1125	66	40	in	in	ADP
ijosar-1125	66	41	finances	finance	NOUN
ijosar-1125	66	42	.	.	PUNCT
ijosar-1125	67	1	according	accord	VERB
ijosar-1125	67	2	to	to	ADP
ijosar-1125	67	3	the	the	DET
ijosar-1125	67	4	world	world	NOUN
ijosar-1125	67	5	bank	bank	PROPN
ijosar-1125	67	6	(	(	PUNCT
ijosar-1125	67	7	2021	2021	NUM
ijosar-1125	67	8	)	)	PUNCT
ijosar-1125	67	9	and	and	CCONJ
ijosar-1125	67	10	roth	roth	PROPN
ijosar-1125	67	11	et	et	PROPN
ijosar-1125	67	12	al	al	PROPN
ijosar-1125	67	13	.	.	PROPN
ijosar-1125	68	1	(	(	PUNCT
ijosar-1125	68	2	2007	2007	NUM
ijosar-1125	68	3	)	)	PUNCT
ijosar-1125	68	4	,	,	PUNCT
ijosar-1125	68	5	it	it	PRON
ijosar-1125	68	6	is	be	AUX
ijosar-1125	68	7	considered	consider	VERB
ijosar-1125	68	8	to	to	PART
ijosar-1125	68	9	be	be	AUX
ijosar-1125	68	10	a	a	DET
ijosar-1125	68	11	financial	financial	ADJ
ijosar-1125	68	12	inclusion	inclusion	NOUN
ijosar-1125	68	13	metric	metric	ADJ
ijosar-1125	68	14	as	as	ADV
ijosar-1125	68	15	well	well	ADV
ijosar-1125	68	16	as	as	ADP
ijosar-1125	68	17	a	a	DET
ijosar-1125	68	18	protection	protection	NOUN
ijosar-1125	68	19	mechanism	mechanism	NOUN
ijosar-1125	68	20	against	against	ADP
ijosar-1125	68	21	income	income	NOUN
ijosar-1125	68	22	shocks	shock	NOUN
ijosar-1125	68	23	.	.	PUNCT
ijosar-1125	69	1	such	such	ADJ
ijosar-1125	69	2	recent	recent	ADJ
ijosar-1125	69	3	literature	literature	NOUN
ijosar-1125	69	4	(	(	PUNCT
ijosar-1125	69	5	cole	cole	PROPN
ijosar-1125	69	6	et	et	PROPN
ijosar-1125	69	7	al	al	PROPN
ijosar-1125	69	8	.	.	PROPN
ijosar-1125	69	9	,	,	PUNCT
ijosar-1125	69	10	2013	2013	NUM
ijosar-1125	69	11	;	;	PUNCT
ijosar-1125	69	12	ginine	ginine	PROPN
ijosar-1125	69	13	&	&	CCONJ
ijosar-1125	69	14	yang	yang	PROPN
ijosar-1125	69	15	,	,	PUNCT
ijosar-1125	69	16	2009	2009	NUM
ijosar-1125	69	17	)	)	PUNCT
ijosar-1125	69	18	points	point	VERB
ijosar-1125	69	19	out	out	ADP
ijosar-1125	69	20	to	to	ADP
ijosar-1125	69	21	the	the	DET
ijosar-1125	69	22	fact	fact	NOUN
ijosar-1125	69	23	that	that	SCONJ
ijosar-1125	69	24	uptake	uptake	NOUN
ijosar-1125	69	25	is	be	AUX
ijosar-1125	69	26	supported	support	VERB
ijosar-1125	69	27	by	by	ADP
ijosar-1125	69	28	various	various	ADJ
ijosar-1125	69	29	drivers	driver	NOUN
ijosar-1125	69	30	like	like	ADP
ijosar-1125	69	31	the	the	DET
ijosar-1125	69	32	economic	economic	ADJ
ijosar-1125	69	33	capacity	capacity	NOUN
ijosar-1125	69	34	,	,	PUNCT
ijosar-1125	69	35	trust	trust	NOUN
ijosar-1125	69	36	,	,	PUNCT
ijosar-1125	69	37	awareness	awareness	NOUN
ijosar-1125	69	38	,	,	PUNCT
ijosar-1125	69	39	accessibility	accessibility	NOUN
ijosar-1125	69	40	,	,	PUNCT
ijosar-1125	69	41	and	and	CCONJ
ijosar-1125	69	42	product	product	NOUN
ijosar-1125	69	43	relevance	relevance	NOUN
ijosar-1125	69	44	.	.	PUNCT
ijosar-1125	70	1	according	accord	VERB
ijosar-1125	70	2	to	to	ADP
ijosar-1125	70	3	cole	cole	PROPN
ijosar-1125	70	4	et	et	PROPN
ijosar-1125	70	5	al	al	PROPN
ijosar-1125	70	6	.	.	PROPN
ijosar-1125	71	1	(	(	PUNCT
ijosar-1125	71	2	2013	2013	NUM
ijosar-1125	71	3	)	)	PUNCT
ijosar-1125	71	4	,	,	PUNCT
ijosar-1125	71	5	the	the	DET
ijosar-1125	71	6	world	world	NOUN
ijosar-1125	71	7	over	over	ADP
ijosar-1125	71	8	,	,	PUNCT
ijosar-1125	71	9	the	the	DET
ijosar-1125	71	10	trust	trust	NOUN
ijosar-1125	71	11	and	and	CCONJ
ijosar-1125	71	12	literacy	literacy	NOUN
ijosar-1125	71	13	levels	level	NOUN
ijosar-1125	71	14	are	be	AUX
ijosar-1125	71	15	more	more	ADV
ijosar-1125	71	16	important	important	ADJ
ijosar-1125	71	17	than	than	ADP
ijosar-1125	71	18	the	the	DET
ijosar-1125	71	19	price	price	NOUN
ijosar-1125	71	20	whereas	whereas	SCONJ
ijosar-1125	71	21	gin	gin	NOUN
ijosar-1125	71	22	in	in	ADP
ijosar-1125	71	23	et	et	PROPN
ijosar-1125	71	24	al	al	PROPN
ijosar-1125	71	25	.	.	PROPN
ijosar-1125	72	1	(	(	PUNCT
ijosar-1125	72	2	2010	2010	NUM
ijosar-1125	72	3	)	)	PUNCT
ijosar-1125	72	4	stressed	stress	VERB
ijosar-1125	72	5	the	the	DET
ijosar-1125	72	6	role	role	NOUN
ijosar-1125	72	7	of	of	ADP
ijosar-1125	72	8	financial	financial	ADJ
ijosar-1125	72	9	bundling	bundle	VERB
ijosar-1125	72	10	insurance	insurance	NOUN
ijosar-1125	72	11	with	with	ADP
ijosar-1125	72	12	services	service	NOUN
ijosar-1125	72	13	such	such	ADJ
ijosar-1125	72	14	as	as	ADP
ijosar-1125	72	15	credit	credit	NOUN
ijosar-1125	72	16	.	.	PUNCT
ijosar-1125	73	1	in	in	ADP
ijosar-1125	73	2	nigeria	nigeria	PROPN
ijosar-1125	73	3	,	,	PUNCT
ijosar-1125	73	4	reliability	reliability	NOUN
ijosar-1125	73	5	,	,	PUNCT
ijosar-1125	73	6	claims	claim	NOUN
ijosar-1125	73	7	satisfaction	satisfaction	NOUN
ijosar-1125	73	8	,	,	PUNCT
ijosar-1125	73	9	and	and	CCONJ
ijosar-1125	73	10	cultural	cultural	ADJ
ijosar-1125	73	11	attitudes	attitude	NOUN
ijosar-1125	73	12	were	be	AUX
ijosar-1125	73	13	among	among	ADP
ijosar-1125	73	14	the	the	DET
ijosar-1125	73	15	determinants	determinant	NOUN
ijosar-1125	73	16	of	of	ADP
ijosar-1125	73	17	life	life	NOUN
ijosar-1125	73	18	insurance	insurance	NOUN
ijosar-1125	73	19	demand	demand	NOUN
ijosar-1125	73	20	as	as	SCONJ
ijosar-1125	73	21	confirmed	confirm	VERB
ijosar-1125	73	22	by	by	ADP
ijosar-1125	73	23	akotey	akotey	PROPN
ijosar-1125	73	24	et	et	PROPN
ijosar-1125	73	25	al	al	PROPN
ijosar-1125	73	26	.	.	PROPN
ijosar-1125	74	1	(	(	PUNCT
ijosar-1125	74	2	2022	2022	NUM
ijosar-1125	74	3	)	)	PUNCT
ijosar-1125	74	4	.	.	PUNCT
ijosar-1125	75	1	researchers	researcher	NOUN
ijosar-1125	75	2	in	in	ADP
ijosar-1125	75	3	kenya	kenya	PROPN
ijosar-1125	75	4	showed	show	VERB
ijosar-1125	75	5	how	how	SCONJ
ijosar-1125	75	6	mobile	mobile	ADJ
ijosar-1125	75	7	platforms	platform	NOUN
ijosar-1125	75	8	increased	increase	VERB
ijosar-1125	75	9	uptake	uptake	NOUN
ijosar-1125	75	10	of	of	ADP
ijosar-1125	75	11	studies	study	NOUN
ijosar-1125	75	12	muiruri	muiruri	NOUN
ijosar-1125	75	13	and	and	CCONJ
ijosar-1125	75	14	bosire	bosire	NOUN
ijosar-1125	75	15	(	(	PUNCT
ijosar-1125	75	16	2020	2020	NUM
ijosar-1125	75	17	)	)	PUNCT
ijosar-1125	75	18	and	and	CCONJ
ijosar-1125	75	19	researchers	researcher	NOUN
ijosar-1125	75	20	in	in	ADP
ijosar-1125	75	21	uganda	uganda	PROPN
ijosar-1125	75	22	and	and	CCONJ
ijosar-1125	75	23	tanzania	tanzania	PROPN
ijosar-1125	75	24	showed	show	VERB
ijosar-1125	75	25	an	an	DET
ijosar-1125	75	26	increase	increase	NOUN
ijosar-1125	75	27	in	in	ADP
ijosar-1125	75	28	adoption	adoption	NOUN
ijosar-1125	75	29	on	on	ADP
ijosar-1125	75	30	bundling	bundle	VERB
ijosar-1125	75	31	products	product	NOUN
ijosar-1125	75	32	with	with	ADP
ijosar-1125	75	33	health	health	NOUN
ijosar-1125	75	34	or	or	CCONJ
ijosar-1125	75	35	farming	farming	NOUN
ijosar-1125	75	36	services	service	NOUN
ijosar-1125	75	37	leach	leach	NOUN
ijosar-1125	75	38	and	and	CCONJ
ijosar-1125	75	39	ncube	ncube	NOUN
ijosar-1125	75	40	(	(	PUNCT
ijosar-1125	75	41	2021	2021	NUM
ijosar-1125	75	42	)	)	PUNCT
ijosar-1125	75	43	.	.	PUNCT
ijosar-1125	76	1	rwanda	rwanda	PROPN
ijosar-1125	76	2	over	over	ADP
ijosar-1125	76	3	90	90	NUM
ijosar-1125	76	4	percent	percent	NOUN
ijosar-1125	76	5	of	of	ADP
ijosar-1125	76	6	the	the	DET
ijosar-1125	76	7	population	population	NOUN
ijosar-1125	76	8	is	be	AUX
ijosar-1125	76	9	covered	cover	VERB
ijosar-1125	76	10	by	by	ADP
ijosar-1125	76	11	health	health	NOUN
ijosar-1125	76	12	insurance	insurance	NOUN
ijosar-1125	76	13	in	in	ADP
ijosar-1125	76	14	the	the	DET
ijosar-1125	76	15	form	form	NOUN
ijosar-1125	76	16	of	of	ADP
ijosar-1125	76	17	mutuelle	mutuelle	PROPN
ijosar-1125	76	18	de	de	X
ijosar-1125	76	19	sant	sant	NOUN
ijosar-1125	76	20	(	(	PUNCT
ijosar-1125	76	21	rssb	rssb	NOUN
ijosar-1125	76	22	,	,	PUNCT
ijosar-1125	76	23	2023	2023	NUM
ijosar-1125	76	24	)	)	PUNCT
ijosar-1125	76	25	,	,	PUNCT
ijosar-1125	76	26	but	but	CCONJ
ijosar-1125	76	27	there	there	PRON
ijosar-1125	76	28	is	be	VERB
ijosar-1125	76	29	lack	lack	NOUN
ijosar-1125	76	30	of	of	ADP
ijosar-1125	76	31	insurance	insurance	NOUN
ijosar-1125	76	32	uptake	uptake	ADJ
ijosar-1125	76	33	concerning	concern	VERB
ijosar-1125	76	34	life	life	NOUN
ijosar-1125	76	35	and	and	CCONJ
ijosar-1125	76	36	property	property	NOUN
ijosar-1125	76	37	.	.	PUNCT
ijosar-1125	77	1	according	accord	VERB
ijosar-1125	77	2	to	to	ADP
ijosar-1125	77	3	finscope	finscope	PROPN
ijosar-1125	77	4	rwanda	rwanda	PROPN
ijosar-1125	77	5	(	(	PUNCT
ijosar-1125	77	6	2020	2020	NUM
ijosar-1125	77	7	)	)	PUNCT
ijosar-1125	77	8	,	,	PUNCT
ijosar-1125	77	9	only	only	ADV
ijosar-1125	77	10	12	12	NUM
ijosar-1125	77	11	percent	percent	NOUN
ijosar-1125	77	12	of	of	ADP
ijosar-1125	77	13	adults	adult	NOUN
ijosar-1125	77	14	have	have	VERB
ijosar-1125	77	15	other	other	ADJ
ijosar-1125	77	16	types	type	NOUN
ijosar-1125	77	17	of	of	ADP
ijosar-1125	77	18	insurance	insurance	NOUN
ijosar-1125	77	19	.	.	PUNCT
ijosar-1125	78	1	factors	factor	NOUN
ijosar-1125	78	2	such	such	ADJ
ijosar-1125	78	3	as	as	ADP
ijosar-1125	78	4	affordability	affordability	NOUN
ijosar-1125	78	5	,	,	PUNCT
ijosar-1125	78	6	the	the	DET
ijosar-1125	78	7	lack	lack	NOUN
ijosar-1125	78	8	of	of	ADP
ijosar-1125	78	9	education	education	NOUN
ijosar-1125	78	10	,	,	PUNCT
ijosar-1125	78	11	lack	lack	NOUN
ijosar-1125	78	12	of	of	ADP
ijosar-1125	78	13	confidence	confidence	NOUN
ijosar-1125	78	14	to	to	ADP
ijosar-1125	78	15	insurers	insurer	NOUN
ijosar-1125	78	16	,	,	PUNCT
ijosar-1125	78	17	and	and	CCONJ
ijosar-1125	78	18	cultural	cultural	ADJ
ijosar-1125	78	19	resistance	resistance	NOUN
ijosar-1125	78	20	are	be	AUX
ijosar-1125	78	21	among	among	ADP
ijosar-1125	78	22	the	the	DET
ijosar-1125	78	23	barriers	barrier	NOUN
ijosar-1125	78	24	identified	identify	VERB
ijosar-1125	78	25	(	(	PUNCT
ijosar-1125	78	26	kabera	kabera	PROPN
ijosar-1125	78	27	&	&	CCONJ
ijosar-1125	78	28	mugisha	mugisha	PROPN
ijosar-1125	78	29	,	,	PUNCT
ijosar-1125	78	30	2021	2021	NUM
ijosar-1125	78	31	)	)	PUNCT
ijosar-1125	78	32	.	.	PUNCT
ijosar-1125	79	1	other	other	ADJ
ijosar-1125	79	2	important	important	ADJ
ijosar-1125	79	3	aspects	aspect	NOUN
ijosar-1125	79	4	of	of	ADP
ijosar-1125	79	5	increasing	increase	VERB
ijosar-1125	79	6	financial	financial	ADJ
ijosar-1125	79	7	literacy	literacy	NOUN
ijosar-1125	79	8	(	(	PUNCT
ijosar-1125	79	9	lusardi	lusardi	PROPN
ijosar-1125	79	10	&	&	CCONJ
ijosar-1125	79	11	mitchell	mitchell	PROPN
ijosar-1125	79	12	,	,	PUNCT
ijosar-1125	79	13	2017	2017	NUM
ijosar-1125	79	14	)	)	PUNCT
ijosar-1125	79	15	however	however	ADV
ijosar-1125	79	16	,	,	PUNCT
ijosar-1125	79	17	customer	customer	NOUN
ijosar-1125	79	18	experience	experience	NOUN
ijosar-1125	79	19	(	(	PUNCT
ijosar-1125	79	20	zhang	zhang	X
ijosar-1125	79	21	et	et	PROPN
ijosar-1125	79	22	al	al	PROPN
ijosar-1125	79	23	.	.	PROPN
ijosar-1125	79	24	,	,	PUNCT
ijosar-1125	79	25	2020	2020	NUM
ijosar-1125	79	26	)	)	PUNCT
ijosar-1125	79	27	,	,	PUNCT
ijosar-1125	79	28	product	product	NOUN
ijosar-1125	79	29	design	design	NOUN
ijosar-1125	79	30	(	(	PUNCT
ijosar-1125	79	31	microinsurance	microinsurance	ADJ
ijosar-1125	79	32	network	network	NOUN
ijosar-1125	79	33	,	,	PUNCT
ijosar-1125	79	34	2022	2022	NUM
ijosar-1125	79	35	)	)	PUNCT
ijosar-1125	79	36	,	,	PUNCT
ijosar-1125	79	37	and	and	CCONJ
ijosar-1125	79	38	regulatory	regulatory	ADJ
ijosar-1125	79	39	support	support	NOUN
ijosar-1125	79	40	(	(	PUNCT
ijosar-1125	79	41	oecd	oecd	PROPN
ijosar-1125	79	42	,	,	PUNCT
ijosar-1125	79	43	2023	2023	NUM
ijosar-1125	79	44	;	;	PUNCT
ijosar-1125	79	45	outreville	outreville	NOUN
ijosar-1125	79	46	,	,	PUNCT
ijosar-1125	79	47	2014	2014	NUM
ijosar-1125	79	48	)	)	PUNCT
ijosar-1125	79	49	are	be	AUX
ijosar-1125	79	50	emphasized	emphasize	VERB
ijosar-1125	79	51	in	in	ADP
ijosar-1125	79	52	the	the	DET
ijosar-1125	79	53	literature	literature	NOUN
ijosar-1125	79	54	as	as	ADP
ijosar-1125	79	55	being	be	AUX
ijosar-1125	79	56	essential	essential	ADJ
ijosar-1125	79	57	in	in	ADP
ijosar-1125	79	58	the	the	DET
ijosar-1125	79	59	process	process	NOUN
ijosar-1125	79	60	of	of	ADP
ijosar-1125	79	61	increasing	increase	VERB
ijosar-1125	79	62	uptake	uptake	NOUN
ijosar-1125	79	63	.	.	PUNCT
ijosar-1125	80	1	it	it	PRON
ijosar-1125	80	2	is	be	AUX
ijosar-1125	80	3	vital	vital	ADJ
ijosar-1125	80	4	,	,	PUNCT
ijosar-1125	80	5	yet	yet	CCONJ
ijosar-1125	80	6	insufficiently	insufficiently	ADV
ijosar-1125	80	7	important	important	ADJ
ijosar-1125	80	8	to	to	PART
ijosar-1125	80	9	be	be	AUX
ijosar-1125	80	10	literate	literate	ADJ
ijosar-1125	80	11	about	about	ADP
ijosar-1125	80	12	insurance	insurance	NOUN
ijosar-1125	80	13	.	.	PUNCT
ijosar-1125	81	1	although	although	SCONJ
ijosar-1125	81	2	it	it	PRON
ijosar-1125	81	3	enhances	enhance	VERB
ijosar-1125	81	4	understanding	understanding	NOUN
ijosar-1125	81	5	(	(	PUNCT
ijosar-1125	81	6	cohen	cohen	NOUN
ijosar-1125	81	7	,	,	PUNCT
ijosar-1125	81	8	2023	2023	NUM
ijosar-1125	81	9	;	;	PUNCT
ijosar-1125	81	10	malambo	malambo	PROPN
ijosar-1125	81	11	et	et	PROPN
ijosar-1125	81	12	al	al	PROPN
ijosar-1125	81	13	.	.	PROPN
ijosar-1125	81	14	,	,	PUNCT
ijosar-1125	81	15	2024	2024	NUM
ijosar-1125	81	16	)	)	PUNCT
ijosar-1125	81	17	,	,	PUNCT
ijosar-1125	81	18	research	research	NOUN
ijosar-1125	81	19	in	in	ADP
ijosar-1125	81	20	kenya	kenya	PROPN
ijosar-1125	81	21	and	and	CCONJ
ijosar-1125	81	22	india	india	PROPN
ijosar-1125	81	23	demonstrates	demonstrate	VERB
ijosar-1125	81	24	that	that	SCONJ
ijosar-1125	81	25	trustability	trustability	NOUN
ijosar-1125	81	26	and	and	CCONJ
ijosar-1125	81	27	affordability	affordability	NOUN
ijosar-1125	81	28	is	be	AUX
ijosar-1125	81	29	also	also	ADV
ijosar-1125	81	30	applicable	applicable	ADJ
ijosar-1125	81	31	(	(	PUNCT
ijosar-1125	81	32	kiplagat	kiplagat	PROPN
ijosar-1125	81	33	et	et	PROPN
ijosar-1125	81	34	al	al	PROPN
ijosar-1125	81	35	.	.	PROPN
ijosar-1125	81	36	,	,	PUNCT
ijosar-1125	81	37	2021	2021	NUM
ijosar-1125	81	38	;	;	PUNCT
ijosar-1125	81	39	banerjee	banerjee	PROPN
ijosar-1125	81	40	&	&	CCONJ
ijosar-1125	81	41	duflo	duflo	PROPN
ijosar-1125	81	42	,	,	PUNCT
ijosar-1125	81	43	2019	2019	NUM
ijosar-1125	81	44	)	)	PUNCT
ijosar-1125	81	45	.	.	PUNCT
ijosar-1125	82	1	additionally	additionally	ADV
ijosar-1125	82	2	,	,	PUNCT
ijosar-1125	82	3	product	product	NOUN
ijosar-1125	82	4	mismatch	mismatch	NOUN
ijosar-1125	82	5	and	and	CCONJ
ijosar-1125	82	6	complicated	complicated	ADJ
ijosar-1125	82	7	regulatory	regulatory	ADJ
ijosar-1125	82	8	phrasing	phrasing	NOUN
ijosar-1125	82	9	limit	limit	NOUN
ijosar-1125	82	10	uptake	uptake	ADJ
ijosar-1125	82	11	(	(	PUNCT
ijosar-1125	82	12	wasike	wasike	INTJ
ijosar-1125	82	13	,	,	PUNCT
ijosar-1125	82	14	2019	2019	NUM
ijosar-1125	82	15	)	)	PUNCT
ijosar-1125	82	16	.	.	PUNCT
ijosar-1125	83	1	in	in	ADP
ijosar-1125	83	2	general	general	ADJ
ijosar-1125	83	3	,	,	PUNCT
ijosar-1125	83	4	due	due	ADJ
ijosar-1125	83	5	of	of	ADP
ijosar-1125	83	6	the	the	DET
ijosar-1125	83	7	rise	rise	NOUN
ijosar-1125	83	8	in	in	ADP
ijosar-1125	83	9	insurance	insurance	NOUN
ijosar-1125	83	10	enrolment	enrolment	NOUN
ijosar-1125	83	11	,	,	PUNCT
ijosar-1125	83	12	issues	issue	NOUN
ijosar-1125	83	13	including	include	VERB
ijosar-1125	83	14	low	low	ADJ
ijosar-1125	83	15	literacy	literacy	NOUN
ijosar-1125	83	16	,	,	PUNCT
ijosar-1125	83	17	mistrust	mistrust	NOUN
ijosar-1125	83	18	,	,	PUNCT
ijosar-1125	83	19	and	and	CCONJ
ijosar-1125	83	20	product	product	NOUN
ijosar-1125	83	21	accessibility	accessibility	NOUN
ijosar-1125	83	22	must	must	AUX
ijosar-1125	83	23	be	be	AUX
ijosar-1125	83	24	addressed	address	VERB
ijosar-1125	83	25	.	.	PUNCT
ijosar-1125	84	1	access	access	NOUN
ijosar-1125	84	2	obstacles	obstacle	NOUN
ijosar-1125	84	3	due	due	ADJ
ijosar-1125	84	4	to	to	ADP
ijosar-1125	84	5	technological	technological	ADJ
ijosar-1125	84	6	advancements	advancement	NOUN
ijosar-1125	84	7	,	,	PUNCT
ijosar-1125	84	8	particularly	particularly	ADV
ijosar-1125	84	9	mobile	mobile	NOUN
ijosar-1125	84	10	-	-	PUNCT
ijosar-1125	84	11	based	base	VERB
ijosar-1125	84	12	insurance	insurance	NOUN
ijosar-1125	84	13	,	,	PUNCT
ijosar-1125	84	14	access	access	NOUN
ijosar-1125	84	15	hurdles	hurdle	NOUN
ijosar-1125	84	16	are	be	AUX
ijosar-1125	84	17	decreasing	decrease	VERB
ijosar-1125	84	18	,	,	PUNCT
ijosar-1125	84	19	particularly	particularly	ADV
ijosar-1125	84	20	in	in	ADP
ijosar-1125	84	21	sub	sub	ADJ
ijosar-1125	84	22	-	-	ADJ
ijosar-1125	84	23	saharan	saharan	ADJ
ijosar-1125	84	24	africa	africa	PROPN
ijosar-1125	84	25	(	(	PUNCT
ijosar-1125	84	26	gsma	gsma	NOUN
ijosar-1125	84	27	,	,	PUNCT
ijosar-1125	84	28	2022	2022	NUM
ijosar-1125	84	29	)	)	PUNCT
ijosar-1125	84	30	is	be	AUX
ijosar-1125	84	31	closing	close	VERB
ijosar-1125	84	32	access	access	NOUN
ijosar-1125	84	33	gaps	gap	NOUN
ijosar-1125	84	34	,	,	PUNCT
ijosar-1125	84	35	especially	especially	ADV
ijosar-1125	84	36	in	in	ADP
ijosar-1125	84	37	subsaharan	subsaharan	PROPN
ijosar-1125	84	38	africa	africa	PROPN
ijosar-1125	84	39	.	.	PUNCT
ijosar-1125	85	1	perhaps	perhaps	ADV
ijosar-1125	85	2	,	,	PUNCT
ijosar-1125	85	3	the	the	DET
ijosar-1125	85	4	task	task	NOUN
ijosar-1125	85	5	is	be	AUX
ijosar-1125	85	6	to	to	PART
ijosar-1125	85	7	enhance	enhance	VERB
ijosar-1125	85	8	both	both	DET
ijosar-1125	85	9	demandand	demandand	NOUN
ijosar-1125	85	10	supply	supply	NOUN
ijosar-1125	85	11	-	-	PUNCT
ijosar-1125	85	12	side	side	NOUN
ijosar-1125	85	13	issues	issue	NOUN
ijosar-1125	85	14	to	to	PART
ijosar-1125	85	15	access	access	VERB
ijosar-1125	85	16	more	more	ADJ
ijosar-1125	85	17	insurance	insurance	NOUN
ijosar-1125	85	18	by	by	ADP
ijosar-1125	85	19	means	mean	NOUN
ijosar-1125	85	20	of	of	ADP
ijosar-1125	85	21	education	education	NOUN
ijosar-1125	85	22	,	,	PUNCT
ijosar-1125	85	23	trust	trust	NOUN
ijosar-1125	85	24	,	,	PUNCT
ijosar-1125	85	25	product	product	NOUN
ijosar-1125	85	26	development	development	NOUN
ijosar-1125	85	27	,	,	PUNCT
ijosar-1125	85	28	and	and	CCONJ
ijosar-1125	85	29	regulatory	regulatory	ADJ
ijosar-1125	85	30	changes	change	NOUN
ijosar-1125	85	31	.	.	PUNCT
ijosar-1125	86	1	overall	overall	ADJ
ijosar-1125	86	2	in	in	ADP
ijosar-1125	86	3	rwanda	rwanda	PROPN
ijosar-1125	86	4	,	,	PUNCT
ijosar-1125	86	5	although	although	SCONJ
ijosar-1125	86	6	the	the	DET
ijosar-1125	86	7	health	health	NOUN
ijosar-1125	86	8	sector	sector	NOUN
ijosar-1125	86	9	has	have	AUX
ijosar-1125	86	10	been	be	AUX
ijosar-1125	86	11	successful	successful	ADJ
ijosar-1125	86	12	,	,	PUNCT
ijosar-1125	86	13	insurances	insurance	NOUN
ijosar-1125	86	14	are	be	AUX
ijosar-1125	86	15	not	not	PART
ijosar-1125	86	16	penetrated	penetrate	VERB
ijosar-1125	86	17	widely	widely	ADV
ijosar-1125	86	18	hence	hence	ADV
ijosar-1125	86	19	more	more	ADJ
ijosar-1125	86	20	research	research	NOUN
ijosar-1125	86	21	and	and	CCONJ
ijosar-1125	86	22	specific	specific	ADJ
ijosar-1125	86	23	interventions	intervention	NOUN
ijosar-1125	86	24	have	have	VERB
ijosar-1125	86	25	to	to	PART
ijosar-1125	86	26	be	be	AUX
ijosar-1125	86	27	done	do	VERB
ijosar-1125	86	28	.	.	PUNCT
ijosar-1125	87	1	research	research	NOUN
ijosar-1125	87	2	has	have	AUX
ijosar-1125	87	3	indicated	indicate	VERB
ijosar-1125	87	4	that	that	SCONJ
ijosar-1125	87	5	demographics	demographic	NOUN
ijosar-1125	87	6	,	,	PUNCT
ijosar-1125	87	7	income	income	NOUN
ijosar-1125	87	8	,	,	PUNCT
ijosar-1125	87	9	education	education	NOUN
ijosar-1125	87	10	,	,	PUNCT
ijosar-1125	87	11	trust	trust	NOUN
ijosar-1125	87	12	and	and	CCONJ
ijosar-1125	87	13	awareness	awareness	NOUN
ijosar-1125	87	14	are	be	AUX
ijosar-1125	87	15	the	the	DET
ijosar-1125	87	16	factors	factor	NOUN
ijosar-1125	87	17	that	that	PRON
ijosar-1125	87	18	affect	affect	VERB
ijosar-1125	87	19	uptake	uptake	NOUN
ijosar-1125	87	20	of	of	ADP
ijosar-1125	87	21	insurance	insurance	NOUN
ijosar-1125	87	22	.	.	PUNCT
ijosar-1125	88	1	as	as	SCONJ
ijosar-1125	88	2	observed	observe	VERB
ijosar-1125	88	3	by	by	ADP
ijosar-1125	88	4	rainer	rainer	NOUN
ijosar-1125	88	5	(	(	PUNCT
ijosar-1125	88	6	2020	2020	NUM
ijosar-1125	88	7	)	)	PUNCT
ijosar-1125	88	8	and	and	CCONJ
ijosar-1125	88	9	turyamureba	turyamureba	VERB
ijosar-1125	88	10	et	et	PROPN
ijosar-1125	88	11	al	al	PROPN
ijosar-1125	88	12	.	.	PROPN
ijosar-1125	89	1	(	(	PUNCT
ijosar-1125	89	2	2022	2022	NUM
ijosar-1125	89	3	)	)	PUNCT
ijosar-1125	89	4	,	,	PUNCT
ijosar-1125	89	5	age	age	NOUN
ijosar-1125	89	6	,	,	PUNCT
ijosar-1125	89	7	marital	marital	ADJ
ijosar-1125	89	8	status	status	NOUN
ijosar-1125	89	9	,	,	PUNCT
ijosar-1125	89	10	media	medium	NOUN
ijosar-1125	89	11	access	access	NOUN
ijosar-1125	89	12	,	,	PUNCT
ijosar-1125	89	13	and	and	CCONJ
ijosar-1125	89	14	wealth	wealth	NOUN
ijosar-1125	89	15	do	do	AUX
ijosar-1125	89	16	have	have	VERB
ijosar-1125	89	17	an	an	DET
ijosar-1125	89	18	influential	influential	ADJ
ijosar-1125	89	19	impact	impact	NOUN
ijosar-1125	89	20	on	on	ADP
ijosar-1125	89	21	health	health	NOUN
ijosar-1125	89	22	insurance	insurance	NOUN
ijosar-1125	89	23	enrolment	enrolment	NOUN
ijosar-1125	89	24	in	in	ADP
ijosar-1125	89	25	tanzania	tanzania	PROPN
ijosar-1125	89	26	and	and	CCONJ
ijosar-1125	89	27	uganda	uganda	PROPN
ijosar-1125	89	28	.	.	PUNCT
ijosar-1125	90	1	malambo	malambo	PROPN
ijosar-1125	90	2	and	and	CCONJ
ijosar-1125	90	3	qutieshat	qutieshat	PROPN
ijosar-1125	90	4	(	(	PUNCT
ijosar-1125	90	5	2024	2024	NUM
ijosar-1125	90	6	)	)	PUNCT
ijosar-1125	90	7	emphasized	emphasize	VERB
ijosar-1125	90	8	that	that	SCONJ
ijosar-1125	90	9	lack	lack	NOUN
ijosar-1125	90	10	of	of	ADP
ijosar-1125	90	11	awareness	awareness	NOUN
ijosar-1125	90	12	and	and	CCONJ
ijosar-1125	90	13	poverty	poverty	NOUN
ijosar-1125	90	14	are	be	AUX
ijosar-1125	90	15	some	some	PRON
ijosar-1125	90	16	of	of	ADP
ijosar-1125	90	17	the	the	DET
ijosar-1125	90	18	problems	problem	NOUN
ijosar-1125	90	19	that	that	PRON
ijosar-1125	90	20	impede	impede	VERB
ijosar-1125	90	21	up	up	ADV
ijosar-1125	90	22	-	-	PUNCT
ijosar-1125	90	23	take	take	VERB
ijosar-1125	90	24	in	in	ADP
ijosar-1125	90	25	botswana	botswana	PROPN
ijosar-1125	90	26	.	.	PUNCT
ijosar-1125	91	1	confidence	confidence	NOUN
ijosar-1125	91	2	in	in	ADP
ijosar-1125	91	3	the	the	DET
ijosar-1125	91	4	providers	provider	NOUN
ijosar-1125	91	5	had	have	VERB
ijosar-1125	91	6	the	the	DET
ijosar-1125	91	7	most	most	ADV
ijosar-1125	91	8	significant	significant	ADJ
ijosar-1125	91	9	impact	impact	NOUN
ijosar-1125	91	10	on	on	ADP
ijosar-1125	91	11	the	the	DET
ijosar-1125	91	12	insurance	insurance	NOUN
ijosar-1125	91	13	inclusion	inclusion	NOUN
ijosar-1125	91	14	correlated	correlate	VERB
ijosar-1125	91	15	with	with	ADP
ijosar-1125	91	16	the	the	DET
ijosar-1125	91	17	awareness	awareness	NOUN
ijosar-1125	91	18	role	role	NOUN
ijosar-1125	91	19	played	play	VERB
ijosar-1125	91	20	by	by	ADP
ijosar-1125	91	21	agents	agent	NOUN
ijosar-1125	91	22	(	(	PUNCT
ijosar-1125	91	23	tsaijyh	tsaijyh	NOUN
ijosar-1125	91	24	,	,	PUNCT
ijosar-1125	91	25	2021	2021	NUM
ijosar-1125	91	26	)	)	PUNCT
ijosar-1125	91	27	.	.	PUNCT
ijosar-1125	92	1	ijo	ijo	PROPN
ijosar-1125	92	2	journals	journal	NOUN
ijosar-1125	92	3	volume	volume	NOUN
ijosar-1125	92	4	08	08	NUM
ijosar-1125	93	1	|	|	ADV
ijosar-1125	93	2	issue	issue	NOUN
ijosar-1125	93	3	08	08	NUM
ijosar-1125	94	1	|	|	ADV
ijosar-1125	94	2	august	august	PROPN
ijosar-1125	94	3	2025	2025	NUM
ijosar-1125	94	4	|	|	ADV
ijosar-1125	94	5	https://ijojournals.com/index.php/ssh/index	https://ijojournals.com/index.php/ssh/index	NOUN
ijosar-1125	94	6	71	71	NUM
ijosar-1125	94	7	ijointernational	ijointernational	ADJ
ijosar-1125	94	8	journal	journal	NOUN
ijosar-1125	94	9	of	of	ADP
ijosar-1125	94	10	social	social	ADJ
ijosar-1125	94	11	science	science	NOUN
ijosar-1125	94	12	and	and	CCONJ
ijosar-1125	94	13	humanities	humanity	NOUN
ijosar-1125	94	14	research	research	NOUN
ijosar-1125	94	15	(	(	PUNCT
ijosar-1125	94	16	issn	issn	PROPN
ijosar-1125	94	17	2811	2811	NUM
ijosar-1125	94	18	-	-	SYM
ijosar-1125	94	19	2466	2466	NUM
ijosar-1125	94	20	)	)	PUNCT
ijosar-1125	94	21	obiora	obiora	PROPN
ijosar-1125	94	22	peters	peters	PROPN
ijosar-1125	94	23	,	,	PUNCT
ijosar-1125	94	24	emeka	emeka	VERB
ijosar-1125	94	25	phd1	phd1	PROPN
ijosar-1125	94	26	*	*	PUNCT
ijosar-1125	94	27	https://ijojournals.com/	https://ijojournals.com/	PROPN
ijosar-1125	94	28	volume	volume	NOUN
ijosar-1125	94	29	08	08	NUM
ijosar-1125	95	1	||	||	PROPN
ijosar-1125	95	2	issue	issue	NOUN
ijosar-1125	95	3	08	08	NUM
ijosar-1125	95	4	||	||	NOUN
ijosar-1125	95	5	august	august	PROPN
ijosar-1125	95	6	,	,	PUNCT
ijosar-1125	95	7	2025	2025	NUM
ijosar-1125	95	8	||	||	PUNCT
ijosar-1125	96	1	“	"	PUNCT
ijosar-1125	96	2	determinants	determinant	NOUN
ijosar-1125	96	3	of	of	ADP
ijosar-1125	96	4	insurance	insurance	NOUN
ijosar-1125	96	5	uptake	uptake	ADJ
ijosar-1125	96	6	in	in	ADP
ijosar-1125	96	7	rwanda	rwanda	PROPN
ijosar-1125	96	8	a	a	DET
ijosar-1125	96	9	case	case	NOUN
ijosar-1125	96	10	study	study	NOUN
ijosar-1125	96	11	of	of	ADP
ijosar-1125	96	12	radiant	radiant	ADJ
ijosar-1125	96	13	insurance	insurance	NOUN
ijosar-1125	96	14	company	company	NOUN
ijosar-1125	96	15	limited	limit	VERB
ijosar-1125	96	16	(	(	PUNCT
ijosar-1125	96	17	2020	2020	NUM
ijosar-1125	96	18	-	-	SYM
ijosar-1125	96	19	2024	2024	NUM
ijosar-1125	96	20	)	)	PUNCT
ijosar-1125	96	21	"	"	PUNCT
ijosar-1125	97	1	2.1.2	2.1.2	X
ijosar-1125	97	2	.	.	PUNCT
ijosar-1125	97	3	barriers	barrier	NOUN
ijosar-1125	97	4	to	to	ADP
ijosar-1125	97	5	insurance	insurance	NOUN
ijosar-1125	97	6	uptake	uptake	VERB
ijosar-1125	97	7	the	the	DET
ijosar-1125	97	8	barriers	barrier	NOUN
ijosar-1125	97	9	to	to	ADP
ijosar-1125	97	10	insurance	insurance	NOUN
ijosar-1125	97	11	uptake	uptake	NOUN
ijosar-1125	97	12	are	be	AUX
ijosar-1125	97	13	defined	define	VERB
ijosar-1125	97	14	as	as	ADP
ijosar-1125	97	15	an	an	DET
ijosar-1125	97	16	economically	economically	ADV
ijosar-1125	97	17	,	,	PUNCT
ijosar-1125	97	18	behaviorally	behaviorally	ADV
ijosar-1125	97	19	,	,	PUNCT
ijosar-1125	97	20	institutional	institutional	ADJ
ijosar-1125	97	21	and	and	CCONJ
ijosar-1125	97	22	cultural	cultural	ADJ
ijosar-1125	97	23	constraints	constraint	NOUN
ijosar-1125	97	24	that	that	PRON
ijosar-1125	97	25	restrains	restrain	VERB
ijosar-1125	97	26	individuals	individual	NOUN
ijosar-1125	97	27	or	or	CCONJ
ijosar-1125	97	28	even	even	ADV
ijosar-1125	97	29	organizations	organization	NOUN
ijosar-1125	97	30	to	to	PART
ijosar-1125	97	31	access	access	VERB
ijosar-1125	97	32	or	or	CCONJ
ijosar-1125	97	33	even	even	ADV
ijosar-1125	97	34	to	to	PART
ijosar-1125	97	35	maintain	maintain	VERB
ijosar-1125	97	36	insurance	insurance	NOUN
ijosar-1125	97	37	products	product	NOUN
ijosar-1125	97	38	.	.	PUNCT
ijosar-1125	98	1	the	the	DET
ijosar-1125	98	2	most	most	ADV
ijosar-1125	98	3	fundamental	fundamental	ADJ
ijosar-1125	98	4	aspect	aspect	NOUN
ijosar-1125	98	5	of	of	ADP
ijosar-1125	98	6	these	these	DET
ijosar-1125	98	7	obstacles	obstacle	NOUN
ijosar-1125	98	8	would	would	AUX
ijosar-1125	98	9	be	be	AUX
ijosar-1125	98	10	the	the	DET
ijosar-1125	98	11	question	question	NOUN
ijosar-1125	98	12	of	of	ADP
ijosar-1125	98	13	affordability	affordability	NOUN
ijosar-1125	98	14	especially	especially	ADV
ijosar-1125	98	15	in	in	ADP
ijosar-1125	98	16	low	low	ADJ
ijosar-1125	98	17	-	-	PUNCT
ijosar-1125	98	18	income	income	NOUN
ijosar-1125	98	19	environments	environment	NOUN
ijosar-1125	98	20	where	where	SCONJ
ijosar-1125	98	21	day	day	NOUN
ijosar-1125	98	22	to	to	ADP
ijosar-1125	98	23	day	day	NOUN
ijosar-1125	98	24	survival	survival	NOUN
ijosar-1125	98	25	necessities	necessity	NOUN
ijosar-1125	98	26	have	have	VERB
ijosar-1125	98	27	priority	priority	NOUN
ijosar-1125	98	28	over	over	ADP
ijosar-1125	98	29	budgeting	budget	VERB
ijosar-1125	98	30	.	.	PUNCT
ijosar-1125	99	1	the	the	DET
ijosar-1125	99	2	research	research	NOUN
ijosar-1125	99	3	findings	finding	NOUN
ijosar-1125	99	4	of	of	ADP
ijosar-1125	99	5	cole	cole	PROPN
ijosar-1125	99	6	et	et	PROPN
ijosar-1125	99	7	al	al	PROPN
ijosar-1125	99	8	.	.	PROPN
ijosar-1125	99	9	(	(	PUNCT
ijosar-1125	99	10	2013	2013	NUM
ijosar-1125	99	11	)	)	PUNCT
ijosar-1125	99	12	and	and	CCONJ
ijosar-1125	99	13	gin	gin	NOUN
ijosar-1125	99	14	and	and	CCONJ
ijosar-1125	99	15	yang	yang	PROPN
ijosar-1125	99	16	(	(	PUNCT
ijosar-1125	99	17	2009	2009	NUM
ijosar-1125	99	18	)	)	PUNCT
ijosar-1125	99	19	indicate	indicate	VERB
ijosar-1125	99	20	that	that	SCONJ
ijosar-1125	99	21	,	,	PUNCT
ijosar-1125	99	22	despite	despite	SCONJ
ijosar-1125	99	23	subsidization	subsidization	NOUN
ijosar-1125	99	24	of	of	ADP
ijosar-1125	99	25	insurance	insurance	NOUN
ijosar-1125	99	26	products	product	NOUN
ijosar-1125	99	27	,	,	PUNCT
ijosar-1125	99	28	there	there	PRON
ijosar-1125	99	29	is	be	VERB
ijosar-1125	99	30	also	also	ADV
ijosar-1125	99	31	limited	limit	VERB
ijosar-1125	99	32	uptake	uptake	ADJ
ijosar-1125	99	33	when	when	SCONJ
ijosar-1125	99	34	disposable	disposable	ADJ
ijosar-1125	99	35	income	income	NOUN
ijosar-1125	99	36	in	in	ADP
ijosar-1125	99	37	the	the	DET
ijosar-1125	99	38	country	country	NOUN
ijosar-1125	99	39	is	be	AUX
ijosar-1125	99	40	low	low	ADJ
ijosar-1125	99	41	,	,	PUNCT
ijosar-1125	99	42	particularly	particularly	ADV
ijosar-1125	99	43	among	among	ADP
ijosar-1125	99	44	the	the	DET
ijosar-1125	99	45	informal	informal	ADJ
ijosar-1125	99	46	workers	worker	NOUN
ijosar-1125	99	47	as	as	ADV
ijosar-1125	99	48	well	well	ADV
ijosar-1125	99	49	as	as	ADP
ijosar-1125	99	50	when	when	SCONJ
ijosar-1125	99	51	dealing	deal	VERB
ijosar-1125	99	52	with	with	ADP
ijosar-1125	99	53	rural	rural	ADJ
ijosar-1125	99	54	households	household	NOUN
ijosar-1125	99	55	.	.	PUNCT
ijosar-1125	100	1	at	at	ADP
ijosar-1125	100	2	individual	individual	ADJ
ijosar-1125	100	3	level	level	NOUN
ijosar-1125	100	4	,	,	PUNCT
ijosar-1125	100	5	the	the	DET
ijosar-1125	100	6	obstacles	obstacle	NOUN
ijosar-1125	100	7	comprise	comprise	VERB
ijosar-1125	100	8	poor	poor	ADJ
ijosar-1125	100	9	awareness	awareness	NOUN
ijosar-1125	100	10	of	of	ADP
ijosar-1125	100	11	insurance	insurance	NOUN
ijosar-1125	100	12	products	product	NOUN
ijosar-1125	100	13	and	and	CCONJ
ijosar-1125	100	14	advantages	advantage	NOUN
ijosar-1125	100	15	,	,	PUNCT
ijosar-1125	100	16	failure	failure	NOUN
ijosar-1125	100	17	to	to	PART
ijosar-1125	100	18	comprehend	comprehend	VERB
ijosar-1125	100	19	insurance	insurance	NOUN
ijosar-1125	100	20	concepts	concept	NOUN
ijosar-1125	100	21	and	and	CCONJ
ijosar-1125	100	22	terminologies	terminology	NOUN
ijosar-1125	100	23	,	,	PUNCT
ijosar-1125	100	24	incorrect	incorrect	ADJ
ijosar-1125	100	25	estimation	estimation	NOUN
ijosar-1125	100	26	or	or	CCONJ
ijosar-1125	100	27	exaggeration	exaggeration	NOUN
ijosar-1125	100	28	of	of	ADP
ijosar-1125	100	29	personal	personal	ADJ
ijosar-1125	100	30	hazards	hazard	NOUN
ijosar-1125	100	31	,	,	PUNCT
ijosar-1125	100	32	premium	premium	NOUN
ijosar-1125	100	33	prices	price	NOUN
ijosar-1125	100	34	against	against	ADP
ijosar-1125	100	35	one	one	NUM
ijosar-1125	100	36	income	income	NOUN
ijosar-1125	100	37	level	level	NOUN
ijosar-1125	100	38	,	,	PUNCT
ijosar-1125	100	39	and	and	CCONJ
ijosar-1125	100	40	distrust	distrust	NOUN
ijosar-1125	100	41	of	of	ADP
ijosar-1125	100	42	the	the	DET
ijosar-1125	100	43	insurance	insurance	NOUN
ijosar-1125	100	44	firms	firm	NOUN
ijosar-1125	100	45	or	or	CCONJ
ijosar-1125	100	46	brokers	broker	NOUN
ijosar-1125	100	47	(	(	PUNCT
ijosar-1125	100	48	zewdneh	zewdneh	PROPN
ijosar-1125	100	49	,	,	PUNCT
ijosar-1125	100	50	et	et	NOUN
ijosar-1125	100	51	al	al	PROPN
ijosar-1125	100	52	2021	2021	NUM
ijosar-1125	100	53	)	)	PUNCT
ijosar-1125	100	54	.	.	PUNCT
ijosar-1125	101	1	a	a	DET
ijosar-1125	101	2	high	high	ADJ
ijosar-1125	101	3	level	level	NOUN
ijosar-1125	101	4	of	of	ADP
ijosar-1125	101	5	ignorance	ignorance	NOUN
ijosar-1125	101	6	and	and	CCONJ
ijosar-1125	101	7	illiteracy	illiteracy	NOUN
ijosar-1125	101	8	in	in	ADP
ijosar-1125	101	9	finance	finance	NOUN
ijosar-1125	101	10	is	be	AUX
ijosar-1125	101	11	another	another	DET
ijosar-1125	101	12	great	great	ADJ
ijosar-1125	101	13	barrier	barrier	NOUN
ijosar-1125	101	14	.	.	PUNCT
ijosar-1125	102	1	the	the	DET
ijosar-1125	102	2	problem	problem	NOUN
ijosar-1125	102	3	is	be	AUX
ijosar-1125	102	4	that	that	SCONJ
ijosar-1125	102	5	many	many	ADJ
ijosar-1125	102	6	people	people	NOUN
ijosar-1125	102	7	do	do	AUX
ijosar-1125	102	8	not	not	PART
ijosar-1125	102	9	know	know	VERB
ijosar-1125	102	10	how	how	SCONJ
ijosar-1125	102	11	the	the	DET
ijosar-1125	102	12	insurance	insurance	NOUN
ijosar-1125	102	13	works	work	VERB
ijosar-1125	102	14	,	,	PUNCT
ijosar-1125	102	15	what	what	PRON
ijosar-1125	102	16	it	it	PRON
ijosar-1125	102	17	covers	cover	VERB
ijosar-1125	102	18	,	,	PUNCT
ijosar-1125	102	19	and	and	CCONJ
ijosar-1125	102	20	how	how	SCONJ
ijosar-1125	102	21	one	one	NOUN
ijosar-1125	102	22	can	can	AUX
ijosar-1125	102	23	deal	deal	VERB
ijosar-1125	102	24	with	with	ADP
ijosar-1125	102	25	the	the	DET
ijosar-1125	102	26	claims	claim	NOUN
ijosar-1125	102	27	.	.	PUNCT
ijosar-1125	103	1	according	accord	VERB
ijosar-1125	103	2	to	to	ADP
ijosar-1125	103	3	lusardi	lusardi	PROPN
ijosar-1125	103	4	and	and	CCONJ
ijosar-1125	103	5	mitchell	mitchell	PROPN
ijosar-1125	103	6	(	(	PUNCT
ijosar-1125	103	7	2017	2017	NUM
ijosar-1125	103	8	)	)	PUNCT
ijosar-1125	103	9	,	,	PUNCT
ijosar-1125	103	10	low	low	ADJ
ijosar-1125	103	11	understanding	understanding	NOUN
ijosar-1125	103	12	of	of	ADP
ijosar-1125	103	13	the	the	DET
ijosar-1125	103	14	risk	risk	NOUN
ijosar-1125	103	15	pooling	pooling	NOUN
ijosar-1125	103	16	and	and	CCONJ
ijosar-1125	103	17	premiums	premium	NOUN
ijosar-1125	103	18	has	have	VERB
ijosar-1125	103	19	a	a	DET
ijosar-1125	103	20	direct	direct	ADJ
ijosar-1125	103	21	relationship	relationship	NOUN
ijosar-1125	103	22	to	to	ADP
ijosar-1125	103	23	avoiding	avoid	VERB
ijosar-1125	103	24	insurance	insurance	NOUN
ijosar-1125	103	25	.	.	PUNCT
ijosar-1125	104	1	in	in	ADP
ijosar-1125	104	2	sub	sub	ADJ
ijosar-1125	104	3	-	-	ADJ
ijosar-1125	104	4	saharan	saharan	ADJ
ijosar-1125	104	5	africa	africa	PROPN
ijosar-1125	104	6	,	,	PUNCT
ijosar-1125	104	7	finscope	finscope	NOUN
ijosar-1125	104	8	(	(	PUNCT
ijosar-1125	104	9	2020	2020	NUM
ijosar-1125	104	10	)	)	PUNCT
ijosar-1125	104	11	indicated	indicate	VERB
ijosar-1125	104	12	that	that	SCONJ
ijosar-1125	104	13	over	over	ADP
ijosar-1125	104	14	half	half	NOUN
ijosar-1125	104	15	(	(	PUNCT
ijosar-1125	104	16	55.5	55.5	NUM
ijosar-1125	104	17	percent	percent	NOUN
ijosar-1125	104	18	)	)	PUNCT
ijosar-1125	104	19	of	of	ADP
ijosar-1125	104	20	uninsured	uninsured	ADJ
ijosar-1125	104	21	adults	adult	NOUN
ijosar-1125	104	22	had	have	AUX
ijosar-1125	104	23	never	never	ADV
ijosar-1125	104	24	been	be	AUX
ijosar-1125	104	25	exposed	expose	VERB
ijosar-1125	104	26	to	to	ADP
ijosar-1125	104	27	any	any	DET
ijosar-1125	104	28	information	information	NOUN
ijosar-1125	104	29	concerning	concern	VERB
ijosar-1125	104	30	insurance	insurance	NOUN
ijosar-1125	104	31	and	and	CCONJ
ijosar-1125	104	32	therefore	therefore	ADV
ijosar-1125	104	33	education	education	NOUN
ijosar-1125	104	34	is	be	AUX
ijosar-1125	104	35	a	a	DET
ijosar-1125	104	36	key	key	ADJ
ijosar-1125	104	37	access	access	NOUN
ijosar-1125	104	38	point	point	NOUN
ijosar-1125	104	39	to	to	PART
ijosar-1125	104	40	reach	reach	VERB
ijosar-1125	104	41	more	more	ADJ
ijosar-1125	104	42	participants	participant	NOUN
ijosar-1125	104	43	on	on	ADP
ijosar-1125	104	44	uptake	uptake	ADJ
ijosar-1125	104	45	.	.	PUNCT
ijosar-1125	105	1	past	past	ADJ
ijosar-1125	105	2	experience	experience	NOUN
ijosar-1125	105	3	and	and	CCONJ
ijosar-1125	105	4	trust	trust	NOUN
ijosar-1125	105	5	is	be	AUX
ijosar-1125	105	6	also	also	ADV
ijosar-1125	105	7	a	a	DET
ijosar-1125	105	8	major	major	ADJ
ijosar-1125	105	9	role	role	NOUN
ijosar-1125	105	10	player	player	NOUN
ijosar-1125	105	11	.	.	PUNCT
ijosar-1125	106	1	the	the	PRON
ijosar-1125	106	2	greater	great	ADJ
ijosar-1125	106	3	the	the	DET
ijosar-1125	106	4	conviction	conviction	NOUN
ijosar-1125	106	5	that	that	SCONJ
ijosar-1125	106	6	consumers	consumer	NOUN
ijosar-1125	106	7	have	have	VERB
ijosar-1125	106	8	that	that	SCONJ
ijosar-1125	106	9	the	the	DET
ijosar-1125	106	10	providers	provider	NOUN
ijosar-1125	106	11	are	be	AUX
ijosar-1125	106	12	reliable	reliable	ADJ
ijosar-1125	106	13	and	and	CCONJ
ijosar-1125	106	14	responsive	responsive	VERB
ijosar-1125	106	15	the	the	DET
ijosar-1125	106	16	more	more	ADV
ijosar-1125	106	17	likely	likely	ADJ
ijosar-1125	106	18	they	they	PRON
ijosar-1125	106	19	are	be	AUX
ijosar-1125	106	20	to	to	PART
ijosar-1125	106	21	adopt	adopt	VERB
ijosar-1125	106	22	insurance	insurance	NOUN
ijosar-1125	106	23	.	.	PUNCT
ijosar-1125	107	1	akotey	akotey	ADV
ijosar-1125	107	2	et	et	PROPN
ijosar-1125	107	3	al	al	PROPN
ijosar-1125	107	4	.	.	PROPN
ijosar-1125	107	5	(	(	PUNCT
ijosar-1125	107	6	2022	2022	NUM
ijosar-1125	107	7	)	)	PUNCT
ijosar-1125	107	8	and	and	CCONJ
ijosar-1125	107	9	zhang	zhang	PROPN
ijosar-1125	107	10	et	et	PROPN
ijosar-1125	107	11	al	al	PROPN
ijosar-1125	107	12	.	.	PROPN
ijosar-1125	107	13	(	(	PUNCT
ijosar-1125	107	14	2020	2020	NUM
ijosar-1125	107	15	)	)	PUNCT
ijosar-1125	107	16	observed	observe	VERB
ijosar-1125	107	17	that	that	SCONJ
ijosar-1125	107	18	the	the	DET
ijosar-1125	107	19	negative	negative	ADJ
ijosar-1125	107	20	experiences	experience	NOUN
ijosar-1125	107	21	in	in	ADP
ijosar-1125	107	22	the	the	DET
ijosar-1125	107	23	form	form	NOUN
ijosar-1125	107	24	of	of	ADP
ijosar-1125	107	25	delayed	delay	VERB
ijosar-1125	107	26	settlements	settlement	NOUN
ijosar-1125	107	27	on	on	ADP
ijosar-1125	107	28	claims	claim	NOUN
ijosar-1125	107	29	or	or	CCONJ
ijosar-1125	107	30	policy	policy	NOUN
ijosar-1125	107	31	language	language	NOUN
ijosar-1125	107	32	mess	mess	NOUN
ijosar-1125	107	33	result	result	NOUN
ijosar-1125	107	34	in	in	ADP
ijosar-1125	107	35	discontinuation	discontinuation	NOUN
ijosar-1125	107	36	and	and	CCONJ
ijosar-1125	107	37	the	the	DET
ijosar-1125	107	38	loss	loss	NOUN
ijosar-1125	107	39	of	of	ADP
ijosar-1125	107	40	trust	trust	NOUN
ijosar-1125	107	41	.	.	PUNCT
ijosar-1125	108	1	the	the	DET
ijosar-1125	108	2	situation	situation	NOUN
ijosar-1125	108	3	where	where	SCONJ
ijosar-1125	108	4	regulatory	regulatory	ADJ
ijosar-1125	108	5	enforcement	enforcement	NOUN
ijosar-1125	108	6	is	be	AUX
ijosar-1125	108	7	weak	weak	ADJ
ijosar-1125	108	8	,	,	PUNCT
ijosar-1125	108	9	no	no	DET
ijosar-1125	108	10	one	one	NOUN
ijosar-1125	108	11	trusts	trust	VERB
ijosar-1125	108	12	the	the	DET
ijosar-1125	108	13	private	private	ADJ
ijosar-1125	108	14	or	or	CCONJ
ijosar-1125	108	15	public	public	ADJ
ijosar-1125	108	16	insurers	insurer	NOUN
ijosar-1125	108	17	.	.	PUNCT
ijosar-1125	109	1	attitudes	attitude	NOUN
ijosar-1125	109	2	also	also	ADV
ijosar-1125	109	3	are	be	AUX
ijosar-1125	109	4	influenced	influence	VERB
ijosar-1125	109	5	by	by	ADP
ijosar-1125	109	6	culture	culture	NOUN
ijosar-1125	109	7	and	and	CCONJ
ijosar-1125	109	8	religion	religion	NOUN
ijosar-1125	109	9	.	.	PUNCT
ijosar-1125	110	1	the	the	DET
ijosar-1125	110	2	perception	perception	NOUN
ijosar-1125	110	3	of	of	ADP
ijosar-1125	110	4	risk	risk	NOUN
ijosar-1125	110	5	in	in	ADP
ijosar-1125	110	6	most	most	ADJ
ijosar-1125	110	7	communities	community	NOUN
ijosar-1125	110	8	is	be	AUX
ijosar-1125	110	9	either	either	CCONJ
ijosar-1125	110	10	spiritual	spiritual	ADJ
ijosar-1125	110	11	or	or	CCONJ
ijosar-1125	110	12	communal	communal	ADJ
ijosar-1125	110	13	-	-	PUNCT
ijosar-1125	110	14	based	base	VERB
ijosar-1125	110	15	and	and	CCONJ
ijosar-1125	110	16	most	most	ADJ
ijosar-1125	110	17	community	community	NOUN
ijosar-1125	110	18	members	member	NOUN
ijosar-1125	110	19	would	would	AUX
ijosar-1125	110	20	want	want	VERB
ijosar-1125	110	21	to	to	PART
ijosar-1125	110	22	utilize	utilize	VERB
ijosar-1125	110	23	the	the	DET
ijosar-1125	110	24	customary	customary	ADJ
ijosar-1125	110	25	coping	cope	VERB
ijosar-1125	110	26	styles	style	NOUN
ijosar-1125	110	27	rather	rather	ADV
ijosar-1125	110	28	than	than	ADP
ijosar-1125	110	29	the	the	DET
ijosar-1125	110	30	business	business	NOUN
ijosar-1125	110	31	insurance	insurance	NOUN
ijosar-1125	110	32	.	.	PUNCT
ijosar-1125	111	1	kabera	kabera	NOUN
ijosar-1125	111	2	and	and	CCONJ
ijosar-1125	111	3	mugisha	mugisha	PROPN
ijosar-1125	111	4	(	(	PUNCT
ijosar-1125	111	5	2021	2021	NUM
ijosar-1125	111	6	)	)	PUNCT
ijosar-1125	111	7	found	find	VERB
ijosar-1125	111	8	out	out	ADP
ijosar-1125	111	9	that	that	SCONJ
ijosar-1125	111	10	in	in	ADP
ijosar-1125	111	11	rural	rural	ADJ
ijosar-1125	111	12	rwanda	rwanda	PROPN
ijosar-1125	111	13	,	,	PUNCT
ijosar-1125	111	14	divinity	divinity	NOUN
ijosar-1125	111	15	intervention	intervention	NOUN
ijosar-1125	111	16	prevailed	prevail	VERB
ijosar-1125	111	17	among	among	ADP
ijosar-1125	111	18	many	many	ADJ
ijosar-1125	111	19	individuals	individual	NOUN
ijosar-1125	111	20	as	as	ADP
ijosar-1125	111	21	the	the	DET
ijosar-1125	111	22	pillars	pillar	NOUN
ijosar-1125	111	23	of	of	ADP
ijosar-1125	111	24	protection	protection	NOUN
ijosar-1125	111	25	instead	instead	ADV
ijosar-1125	111	26	of	of	ADP
ijosar-1125	111	27	monetary	monetary	ADJ
ijosar-1125	111	28	agreement	agreement	NOUN
ijosar-1125	111	29	therefore	therefore	ADV
ijosar-1125	111	30	laboring	labor	VERB
ijosar-1125	111	31	on	on	ADP
ijosar-1125	111	32	the	the	DET
ijosar-1125	111	33	insurability	insurability	NOUN
ijosar-1125	111	34	of	of	ADP
ijosar-1125	111	35	insurance	insurance	NOUN
ijosar-1125	111	36	products	product	NOUN
ijosar-1125	111	37	.	.	PUNCT
ijosar-1125	112	1	on	on	ADP
ijosar-1125	112	2	the	the	DET
ijosar-1125	112	3	supply	supply	NOUN
ijosar-1125	112	4	side	side	NOUN
ijosar-1125	112	5	,	,	PUNCT
ijosar-1125	112	6	uptake	uptake	ADJ
ijosar-1125	112	7	is	be	AUX
ijosar-1125	112	8	also	also	ADV
ijosar-1125	112	9	stunted	stunt	VERB
ijosar-1125	112	10	by	by	ADP
ijosar-1125	112	11	the	the	DET
ijosar-1125	112	12	complexity	complexity	NOUN
ijosar-1125	112	13	of	of	ADP
ijosar-1125	112	14	the	the	DET
ijosar-1125	112	15	products	product	NOUN
ijosar-1125	112	16	and	and	CCONJ
ijosar-1125	112	17	ineffective	ineffective	ADJ
ijosar-1125	112	18	distribution	distribution	NOUN
ijosar-1125	112	19	channels	channel	NOUN
ijosar-1125	112	20	.	.	PUNCT
ijosar-1125	113	1	it	it	PRON
ijosar-1125	113	2	is	be	AUX
ijosar-1125	113	3	not	not	PART
ijosar-1125	113	4	uncommon	uncommon	ADJ
ijosar-1125	113	5	to	to	PART
ijosar-1125	113	6	come	come	VERB
ijosar-1125	113	7	by	by	ADP
ijosar-1125	113	8	insurance	insurance	NOUN
ijosar-1125	113	9	products	product	NOUN
ijosar-1125	113	10	that	that	PRON
ijosar-1125	113	11	do	do	AUX
ijosar-1125	113	12	not	not	PART
ijosar-1125	113	13	take	take	VERB
ijosar-1125	113	14	into	into	ADP
ijosar-1125	113	15	consideration	consideration	NOUN
ijosar-1125	113	16	local	local	ADJ
ijosar-1125	113	17	needs	need	NOUN
ijosar-1125	113	18	,	,	PUNCT
ijosar-1125	113	19	sensitivity	sensitivity	NOUN
ijosar-1125	113	20	to	to	ADP
ijosar-1125	113	21	literacy	literacy	NOUN
ijosar-1125	113	22	levels	level	NOUN
ijosar-1125	113	23	and	and	CCONJ
ijosar-1125	113	24	payment	payment	NOUN
ijosar-1125	113	25	flexibility	flexibility	NOUN
ijosar-1125	113	26	.	.	PUNCT
ijosar-1125	114	1	according	accord	VERB
ijosar-1125	114	2	to	to	ADP
ijosar-1125	114	3	the	the	DET
ijosar-1125	114	4	microinsurance	microinsurance	ADJ
ijosar-1125	114	5	network	network	NOUN
ijosar-1125	114	6	(	(	PUNCT
ijosar-1125	114	7	2022	2022	NUM
ijosar-1125	114	8	)	)	PUNCT
ijosar-1125	114	9	,	,	PUNCT
ijosar-1125	114	10	most	most	ADJ
ijosar-1125	114	11	of	of	ADP
ijosar-1125	114	12	the	the	DET
ijosar-1125	114	13	low	low	ADJ
ijosar-1125	114	14	-	-	PUNCT
ijosar-1125	114	15	income	income	NOUN
ijosar-1125	114	16	clients	client	NOUN
ijosar-1125	114	17	take	take	VERB
ijosar-1125	114	18	policy	policy	NOUN
ijosar-1125	114	19	documents	document	NOUN
ijosar-1125	114	20	to	to	PART
ijosar-1125	114	21	be	be	AUX
ijosar-1125	114	22	too	too	ADV
ijosar-1125	114	23	technical	technical	ADJ
ijosar-1125	114	24	and	and	CCONJ
ijosar-1125	114	25	sales	sale	NOUN
ijosar-1125	114	26	procedures	procedure	NOUN
ijosar-1125	114	27	to	to	PART
ijosar-1125	114	28	be	be	AUX
ijosar-1125	114	29	threatening	threaten	VERB
ijosar-1125	114	30	.	.	PUNCT
ijosar-1125	115	1	also	also	ADV
ijosar-1125	115	2	,	,	PUNCT
ijosar-1125	115	3	coverage	coverage	NOUN
ijosar-1125	115	4	is	be	AUX
ijosar-1125	115	5	limited	limit	VERB
ijosar-1125	115	6	by	by	ADP
ijosar-1125	115	7	the	the	DET
ijosar-1125	115	8	lack	lack	NOUN
ijosar-1125	115	9	of	of	ADP
ijosar-1125	115	10	access	access	NOUN
ijosar-1125	115	11	to	to	ADP
ijosar-1125	115	12	agents	agent	NOUN
ijosar-1125	115	13	or	or	CCONJ
ijosar-1125	115	14	online	online	ADJ
ijosar-1125	115	15	platforms	platform	NOUN
ijosar-1125	115	16	in	in	ADP
ijosar-1125	115	17	rural	rural	ADJ
ijosar-1125	115	18	and	and	CCONJ
ijosar-1125	115	19	peri	peri	NOUN
ijosar-1125	115	20	-	-	PUNCT
ijosar-1125	115	21	urban	urban	ADJ
ijosar-1125	115	22	locations	location	NOUN
ijosar-1125	115	23	.	.	PUNCT
ijosar-1125	116	1	the	the	DET
ijosar-1125	116	2	obstacles	obstacle	NOUN
ijosar-1125	116	3	to	to	ADP
ijosar-1125	116	4	the	the	DET
ijosar-1125	116	5	use	use	NOUN
ijosar-1125	116	6	of	of	ADP
ijosar-1125	116	7	insurance	insurance	NOUN
ijosar-1125	116	8	are	be	AUX
ijosar-1125	116	9	closely	closely	ADV
ijosar-1125	116	10	connected	connect	VERB
ijosar-1125	116	11	,	,	PUNCT
ijosar-1125	116	12	but	but	CCONJ
ijosar-1125	116	13	they	they	PRON
ijosar-1125	116	14	need	need	VERB
ijosar-1125	116	15	an	an	DET
ijosar-1125	116	16	integrated	integrated	ADJ
ijosar-1125	116	17	approach	approach	NOUN
ijosar-1125	116	18	to	to	PART
ijosar-1125	116	19	overcome	overcome	VERB
ijosar-1125	116	20	them	they	PRON
ijosar-1125	116	21	,	,	PUNCT
ijosar-1125	116	22	which	which	PRON
ijosar-1125	116	23	conjoins	conjoin	VERB
ijosar-1125	116	24	financial	financial	ADJ
ijosar-1125	116	25	literacy	literacy	NOUN
ijosar-1125	116	26	,	,	PUNCT
ijosar-1125	116	27	the	the	DET
ijosar-1125	116	28	means	mean	NOUN
ijosar-1125	116	29	of	of	ADP
ijosar-1125	116	30	building	building	NOUN
ijosar-1125	116	31	trust	trust	PROPN
ijosar-1125	116	32	,	,	PUNCT
ijosar-1125	116	33	the	the	DET
ijosar-1125	116	34	easing	easing	NOUN
ijosar-1125	116	35	of	of	ADP
ijosar-1125	116	36	product	product	NOUN
ijosar-1125	116	37	design	design	NOUN
ijosar-1125	116	38	,	,	PUNCT
ijosar-1125	116	39	the	the	DET
ijosar-1125	116	40	ease	ease	NOUN
ijosar-1125	116	41	of	of	ADP
ijosar-1125	116	42	payment	payment	NOUN
ijosar-1125	116	43	methods	method	NOUN
ijosar-1125	116	44	,	,	PUNCT
ijosar-1125	116	45	and	and	CCONJ
ijosar-1125	116	46	regulation	regulation	NOUN
ijosar-1125	116	47	.	.	PUNCT
ijosar-1125	117	1	these	these	DET
ijosar-1125	117	2	matters	matter	NOUN
ijosar-1125	117	3	are	be	AUX
ijosar-1125	117	4	especially	especially	ADV
ijosar-1125	117	5	pressing	press	VERB
ijosar-1125	117	6	to	to	PART
ijosar-1125	117	7	tackle	tackle	VERB
ijosar-1125	117	8	in	in	ADP
ijosar-1125	117	9	nascent	nascent	ADJ
ijosar-1125	117	10	markets	market	NOUN
ijosar-1125	117	11	such	such	ADJ
ijosar-1125	117	12	as	as	ADP
ijosar-1125	117	13	rwanda	rwanda	PROPN
ijosar-1125	117	14	,	,	PUNCT
ijosar-1125	117	15	with	with	ADP
ijosar-1125	117	16	the	the	DET
ijosar-1125	117	17	health	health	NOUN
ijosar-1125	117	18	insurance	insurance	NOUN
ijosar-1125	117	19	enrolment	enrolment	NOUN
ijosar-1125	117	20	rate	rate	NOUN
ijosar-1125	117	21	already	already	ADV
ijosar-1125	117	22	very	very	ADV
ijosar-1125	117	23	high	high	ADJ
ijosar-1125	117	24	,	,	PUNCT
ijosar-1125	117	25	other	other	ADJ
ijosar-1125	117	26	forms	form	NOUN
ijosar-1125	117	27	of	of	ADP
ijosar-1125	117	28	insurance	insurance	NOUN
ijosar-1125	117	29	in	in	ADP
ijosar-1125	117	30	the	the	DET
ijosar-1125	117	31	country	country	NOUN
ijosar-1125	117	32	are	be	AUX
ijosar-1125	117	33	,	,	PUNCT
ijosar-1125	117	34	however	however	ADV
ijosar-1125	117	35	,	,	PUNCT
ijosar-1125	117	36	not	not	PART
ijosar-1125	117	37	being	be	AUX
ijosar-1125	117	38	used	use	VERB
ijosar-1125	117	39	because	because	SCONJ
ijosar-1125	117	40	of	of	ADP
ijosar-1125	117	41	these	these	DET
ijosar-1125	117	42	ongoing	ongoing	ADJ
ijosar-1125	117	43	limitations	limitation	NOUN
ijosar-1125	117	44	.	.	PUNCT
ijosar-1125	118	1	ijo	ijo	PROPN
ijosar-1125	118	2	journals	journal	NOUN
ijosar-1125	118	3	volume	volume	NOUN
ijosar-1125	118	4	08	08	NUM
ijosar-1125	119	1	|	|	ADV
ijosar-1125	119	2	issue	issue	NOUN
ijosar-1125	119	3	08	08	NUM
ijosar-1125	120	1	|	|	ADV
ijosar-1125	120	2	august	august	PROPN
ijosar-1125	120	3	2025	2025	NUM
ijosar-1125	121	1	|	|	ADV
ijosar-1125	121	2	https://ijojournals.com/index.php/ssh/index	https://ijojournals.com/index.php/ssh/index	NOUN
ijosar-1125	121	3	72	72	NUM
ijosar-1125	121	4	ijointernational	ijointernational	ADJ
ijosar-1125	121	5	journal	journal	NOUN
ijosar-1125	121	6	of	of	ADP
ijosar-1125	121	7	social	social	ADJ
ijosar-1125	121	8	science	science	NOUN
ijosar-1125	121	9	and	and	CCONJ
ijosar-1125	121	10	humanities	humanity	NOUN
ijosar-1125	121	11	research	research	NOUN
ijosar-1125	121	12	(	(	PUNCT
ijosar-1125	121	13	issn	issn	PROPN
ijosar-1125	121	14	2811	2811	NUM
ijosar-1125	121	15	-	-	SYM
ijosar-1125	121	16	2466	2466	NUM
ijosar-1125	121	17	)	)	PUNCT
ijosar-1125	121	18	obiora	obiora	PROPN
ijosar-1125	121	19	peters	peters	PROPN
ijosar-1125	121	20	,	,	PUNCT
ijosar-1125	121	21	emeka	emeka	VERB
ijosar-1125	121	22	phd1	phd1	PROPN
ijosar-1125	121	23	*	*	PUNCT
ijosar-1125	121	24	https://ijojournals.com/	https://ijojournals.com/	PROPN
ijosar-1125	121	25	volume	volume	NOUN
ijosar-1125	121	26	08	08	NUM
ijosar-1125	122	1	||	||	PROPN
ijosar-1125	122	2	issue	issue	NOUN
ijosar-1125	122	3	08	08	NUM
ijosar-1125	122	4	||	||	NOUN
ijosar-1125	122	5	august	august	PROPN
ijosar-1125	122	6	,	,	PUNCT
ijosar-1125	122	7	2025	2025	NUM
ijosar-1125	122	8	||	||	PUNCT
ijosar-1125	123	1	“	"	PUNCT
ijosar-1125	123	2	determinants	determinant	NOUN
ijosar-1125	123	3	of	of	ADP
ijosar-1125	123	4	insurance	insurance	NOUN
ijosar-1125	123	5	uptake	uptake	ADJ
ijosar-1125	123	6	in	in	ADP
ijosar-1125	123	7	rwanda	rwanda	PROPN
ijosar-1125	123	8	a	a	DET
ijosar-1125	123	9	case	case	NOUN
ijosar-1125	123	10	study	study	NOUN
ijosar-1125	123	11	of	of	ADP
ijosar-1125	123	12	radiant	radiant	ADJ
ijosar-1125	123	13	insurance	insurance	NOUN
ijosar-1125	123	14	company	company	NOUN
ijosar-1125	123	15	limited	limit	VERB
ijosar-1125	123	16	(	(	PUNCT
ijosar-1125	123	17	2020	2020	NUM
ijosar-1125	123	18	-	-	SYM
ijosar-1125	123	19	2024	2024	NUM
ijosar-1125	123	20	)	)	PUNCT
ijosar-1125	123	21	"	"	PUNCT
ijosar-1125	123	22	2.2	2.2	NUM
ijosar-1125	123	23	empirical	empirical	ADJ
ijosar-1125	123	24	literature	literature	NOUN
ijosar-1125	123	25	review	review	NOUN
ijosar-1125	123	26	in	in	ADP
ijosar-1125	123	27	a	a	DET
ijosar-1125	123	28	panel	panel	NOUN
ijosar-1125	123	29	study	study	NOUN
ijosar-1125	123	30	carried	carry	VERB
ijosar-1125	123	31	out	out	ADP
ijosar-1125	123	32	over	over	ADP
ijosar-1125	123	33	42	42	NUM
ijosar-1125	123	34	countries	country	NOUN
ijosar-1125	123	35	in	in	ADP
ijosar-1125	123	36	africa	africa	PROPN
ijosar-1125	123	37	,	,	PUNCT
ijosar-1125	123	38	bah	bah	INTJ
ijosar-1125	123	39	and	and	CCONJ
ijosar-1125	123	40	abila	abila	ADJ
ijosar-1125	123	41	(	(	PUNCT
ijosar-1125	123	42	2022	2022	NUM
ijosar-1125	123	43	)	)	PUNCT
ijosar-1125	123	44	revealed	reveal	VERB
ijosar-1125	123	45	that	that	SCONJ
ijosar-1125	123	46	the	the	DET
ijosar-1125	123	47	institutional	institutional	ADJ
ijosar-1125	123	48	quality	quality	NOUN
ijosar-1125	123	49	and	and	CCONJ
ijosar-1125	123	50	mainly	mainly	ADV
ijosar-1125	123	51	regulatory	regulatory	ADJ
ijosar-1125	123	52	effectiveness	effectiveness	NOUN
ijosar-1125	123	53	and	and	CCONJ
ijosar-1125	123	54	rule	rule	NOUN
ijosar-1125	123	55	of	of	ADP
ijosar-1125	123	56	law	law	NOUN
ijosar-1125	123	57	positively	positively	ADV
ijosar-1125	123	58	impacted	impact	VERB
ijosar-1125	123	59	the	the	DET
ijosar-1125	123	60	life	life	NOUN
ijosar-1125	123	61	and	and	CCONJ
ijosar-1125	123	62	non	non	ADJ
ijosar-1125	123	63	-	-	ADJ
ijosar-1125	123	64	life	life	ADJ
ijosar-1125	123	65	insurance	insurance	NOUN
ijosar-1125	123	66	penetration	penetration	NOUN
ijosar-1125	123	67	significantly	significantly	ADV
ijosar-1125	123	68	.	.	PUNCT
ijosar-1125	124	1	this	this	DET
ijosar-1125	124	2	observation	observation	NOUN
ijosar-1125	124	3	proves	prove	VERB
ijosar-1125	124	4	that	that	SCONJ
ijosar-1125	124	5	governance	governance	NOUN
ijosar-1125	124	6	structures	structure	NOUN
ijosar-1125	124	7	are	be	AUX
ijosar-1125	124	8	a	a	DET
ijosar-1125	124	9	critical	critical	ADJ
ijosar-1125	124	10	factor	factor	NOUN
ijosar-1125	124	11	in	in	ADP
ijosar-1125	124	12	influencing	influence	VERB
ijosar-1125	124	13	behavior	behavior	NOUN
ijosar-1125	124	14	in	in	ADP
ijosar-1125	124	15	insurance	insurance	NOUN
ijosar-1125	124	16	.	.	PUNCT
ijosar-1125	125	1	ngambi	ngambi	PROPN
ijosar-1125	125	2	et	et	PROPN
ijosar-1125	125	3	al	al	PROPN
ijosar-1125	125	4	.	.	PROPN
ijosar-1125	126	1	(	(	PUNCT
ijosar-1125	126	2	2023	2023	NUM
ijosar-1125	126	3	)	)	PUNCT
ijosar-1125	126	4	examined	examine	VERB
ijosar-1125	126	5	the	the	DET
ijosar-1125	126	6	malawi	malawi	PROPN
ijosar-1125	126	7	multiple	multiple	PROPN
ijosar-1125	126	8	indicator	indicator	PROPN
ijosar-1125	126	9	cluster	cluster	NOUN
ijosar-1125	126	10	survey	survey	NOUN
ijosar-1125	126	11	(	(	PUNCT
ijosar-1125	126	12	2019	2019	NUM
ijosar-1125	126	13	-	-	SYM
ijosar-1125	126	14	2020	2020	NUM
ijosar-1125	126	15	)	)	PUNCT
ijosar-1125	126	16	and	and	CCONJ
ijosar-1125	126	17	demonstrated	demonstrate	VERB
ijosar-1125	126	18	that	that	SCONJ
ijosar-1125	126	19	age	age	NOUN
ijosar-1125	126	20	,	,	PUNCT
ijosar-1125	126	21	education	education	NOUN
ijosar-1125	126	22	,	,	PUNCT
ijosar-1125	126	23	wealth	wealth	NOUN
ijosar-1125	126	24	,	,	PUNCT
ijosar-1125	126	25	and	and	CCONJ
ijosar-1125	126	26	geographical	geographical	ADJ
ijosar-1125	126	27	location	location	NOUN
ijosar-1125	126	28	are	be	AUX
ijosar-1125	126	29	the	the	DET
ijosar-1125	126	30	key	key	ADJ
ijosar-1125	126	31	determinants	determinant	NOUN
ijosar-1125	126	32	that	that	PRON
ijosar-1125	126	33	played	play	VERB
ijosar-1125	126	34	a	a	DET
ijosar-1125	126	35	critical	critical	ADJ
ijosar-1125	126	36	role	role	NOUN
ijosar-1125	126	37	in	in	ADP
ijosar-1125	126	38	determining	determine	VERB
ijosar-1125	126	39	whether	whether	SCONJ
ijosar-1125	126	40	people	people	NOUN
ijosar-1125	126	41	would	would	AUX
ijosar-1125	126	42	avail	avail	VERB
ijosar-1125	126	43	health	health	NOUN
ijosar-1125	126	44	insurance	insurance	NOUN
ijosar-1125	126	45	.	.	PUNCT
ijosar-1125	127	1	the	the	DET
ijosar-1125	127	2	research	research	NOUN
ijosar-1125	127	3	found	find	VERB
ijosar-1125	127	4	that	that	SCONJ
ijosar-1125	127	5	people	people	NOUN
ijosar-1125	127	6	who	who	PRON
ijosar-1125	127	7	had	have	VERB
ijosar-1125	127	8	a	a	DET
ijosar-1125	127	9	secondary	secondary	ADJ
ijosar-1125	127	10	education	education	NOUN
ijosar-1125	127	11	or	or	CCONJ
ijosar-1125	127	12	with	with	ADP
ijosar-1125	127	13	higher	high	ADJ
ijosar-1125	127	14	education	education	NOUN
ijosar-1125	127	15	,	,	PUNCT
ijosar-1125	127	16	as	as	ADV
ijosar-1125	127	17	well	well	ADV
ijosar-1125	127	18	as	as	ADP
ijosar-1125	127	19	people	people	NOUN
ijosar-1125	127	20	in	in	ADP
ijosar-1125	127	21	urban	urban	ADJ
ijosar-1125	127	22	regions	region	NOUN
ijosar-1125	127	23	,	,	PUNCT
ijosar-1125	127	24	had	have	VERB
ijosar-1125	127	25	greater	great	ADJ
ijosar-1125	127	26	chances	chance	NOUN
ijosar-1125	127	27	to	to	PART
ijosar-1125	127	28	be	be	AUX
ijosar-1125	127	29	insured	insure	VERB
ijosar-1125	127	30	.	.	PUNCT
ijosar-1125	128	1	according	accord	VERB
ijosar-1125	128	2	to	to	ADP
ijosar-1125	128	3	a	a	DET
ijosar-1125	128	4	study	study	NOUN
ijosar-1125	128	5	conducted	conduct	VERB
ijosar-1125	128	6	by	by	ADP
ijosar-1125	128	7	kiwuluka	kiwuluka	PROPN
ijosar-1125	128	8	and	and	CCONJ
ijosar-1125	128	9	sibindi	sibindi	X
ijosar-1125	128	10	(	(	PUNCT
ijosar-1125	128	11	2023	2023	NUM
ijosar-1125	128	12	)	)	PUNCT
ijosar-1125	128	13	in	in	ADP
ijosar-1125	128	14	uganda	uganda	PROPN
ijosar-1125	128	15	,	,	PUNCT
ijosar-1125	128	16	perceived	perceive	VERB
ijosar-1125	128	17	trust	trust	NOUN
ijosar-1125	128	18	proved	prove	VERB
ijosar-1125	128	19	the	the	DET
ijosar-1125	128	20	most	most	ADV
ijosar-1125	128	21	effective	effective	ADJ
ijosar-1125	128	22	determinant	determinant	NOUN
ijosar-1125	128	23	of	of	ADP
ijosar-1125	128	24	insurance	insurance	NOUN
ijosar-1125	128	25	inclusion	inclusion	NOUN
ijosar-1125	128	26	over	over	ADP
ijosar-1125	128	27	the	the	DET
ijosar-1125	128	28	other	other	ADJ
ijosar-1125	128	29	indicators	indicator	NOUN
ijosar-1125	128	30	of	of	ADP
ijosar-1125	128	31	the	the	DET
ijosar-1125	128	32	likelihood	likelihood	NOUN
ijosar-1125	128	33	to	to	PART
ijosar-1125	128	34	be	be	AUX
ijosar-1125	128	35	included	include	VERB
ijosar-1125	128	36	in	in	ADP
ijosar-1125	128	37	insurance	insurance	NOUN
ijosar-1125	128	38	,	,	PUNCT
ijosar-1125	128	39	such	such	ADJ
ijosar-1125	128	40	as	as	ADP
ijosar-1125	128	41	perceived	perceive	VERB
ijosar-1125	128	42	value	value	NOUN
ijosar-1125	128	43	and	and	CCONJ
ijosar-1125	128	44	insurance	insurance	NOUN
ijosar-1125	128	45	literacy	literacy	NOUN
ijosar-1125	128	46	.	.	PUNCT
ijosar-1125	129	1	the	the	DET
ijosar-1125	129	2	results	result	NOUN
ijosar-1125	129	3	they	they	PRON
ijosar-1125	129	4	provide	provide	VERB
ijosar-1125	129	5	highlight	highlight	VERB
ijosar-1125	129	6	the	the	DET
ijosar-1125	129	7	importance	importance	NOUN
ijosar-1125	129	8	of	of	ADP
ijosar-1125	129	9	consumer	consumer	NOUN
ijosar-1125	129	10	confidence	confidence	NOUN
ijosar-1125	129	11	as	as	ADP
ijosar-1125	129	12	a	a	DET
ijosar-1125	129	13	factor	factor	NOUN
ijosar-1125	129	14	in	in	ADP
ijosar-1125	129	15	developing	develop	VERB
ijosar-1125	129	16	insurance	insurance	NOUN
ijosar-1125	129	17	markets	market	NOUN
ijosar-1125	129	18	.	.	PUNCT
ijosar-1125	130	1	kawuki	kawuki	PROPN
ijosar-1125	130	2	et	et	PROPN
ijosar-1125	130	3	al	al	PROPN
ijosar-1125	130	4	.	.	PROPN
ijosar-1125	131	1	(	(	PUNCT
ijosar-1125	131	2	2022	2022	NUM
ijosar-1125	131	3	)	)	PUNCT
ijosar-1125	131	4	also	also	ADV
ijosar-1125	131	5	investigated	investigate	VERB
ijosar-1125	131	6	how	how	SCONJ
ijosar-1125	131	7	education	education	NOUN
ijosar-1125	131	8	status	status	NOUN
ijosar-1125	131	9	and	and	CCONJ
ijosar-1125	131	10	health	health	NOUN
ijosar-1125	131	11	insurance	insurance	NOUN
ijosar-1125	131	12	are	be	AUX
ijosar-1125	131	13	used	use	VERB
ijosar-1125	131	14	in	in	ADP
ijosar-1125	131	15	rwanda	rwanda	PROPN
ijosar-1125	131	16	in	in	ADP
ijosar-1125	131	17	relation	relation	NOUN
ijosar-1125	131	18	to	to	ADP
ijosar-1125	131	19	the	the	DET
ijosar-1125	131	20	empowerment	empowerment	NOUN
ijosar-1125	131	21	indicators	indicator	NOUN
ijosar-1125	131	22	(	(	PUNCT
ijosar-1125	131	23	such	such	ADJ
ijosar-1125	131	24	as	as	ADP
ijosar-1125	131	25	the	the	DET
ijosar-1125	131	26	decision	decision	NOUN
ijosar-1125	131	27	-	-	PUNCT
ijosar-1125	131	28	making	make	VERB
ijosar-1125	131	29	autonomy	autonomy	NOUN
ijosar-1125	131	30	and	and	CCONJ
ijosar-1125	131	31	media	medium	NOUN
ijosar-1125	131	32	exposure	exposure	NOUN
ijosar-1125	131	33	)	)	PUNCT
ijosar-1125	131	34	and	and	CCONJ
ijosar-1125	131	35	found	find	VERB
ijosar-1125	131	36	that	that	SCONJ
ijosar-1125	131	37	they	they	PRON
ijosar-1125	131	38	had	have	VERB
ijosar-1125	131	39	an	an	DET
ijosar-1125	131	40	inverse	inverse	NOUN
ijosar-1125	131	41	relationship	relationship	NOUN
ijosar-1125	131	42	with	with	ADP
ijosar-1125	131	43	health	health	NOUN
ijosar-1125	131	44	insurance	insurance	NOUN
ijosar-1125	131	45	usage	usage	NOUN
ijosar-1125	131	46	.	.	PUNCT
ijosar-1125	132	1	the	the	DET
ijosar-1125	132	2	socio	socio	NOUN
ijosar-1125	132	3	-	-	PUNCT
ijosar-1125	132	4	economic	economic	ADJ
ijosar-1125	132	5	status	status	NOUN
ijosar-1125	132	6	,	,	PUNCT
ijosar-1125	132	7	the	the	DET
ijosar-1125	132	8	size	size	NOUN
ijosar-1125	132	9	of	of	ADP
ijosar-1125	132	10	the	the	DET
ijosar-1125	132	11	household	household	NOUN
ijosar-1125	132	12	,	,	PUNCT
ijosar-1125	132	13	and	and	CCONJ
ijosar-1125	132	14	regional	regional	ADJ
ijosar-1125	132	15	disparities	disparity	NOUN
ijosar-1125	132	16	were	be	AUX
ijosar-1125	132	17	still	still	ADV
ijosar-1125	132	18	powerful	powerful	ADJ
ijosar-1125	132	19	predictors	predictor	NOUN
ijosar-1125	132	20	,	,	PUNCT
ijosar-1125	132	21	however	however	ADV
ijosar-1125	132	22	.	.	PUNCT
ijosar-1125	133	1	this	this	DET
ijosar-1125	133	2	analysis	analysis	NOUN
ijosar-1125	133	3	can	can	AUX
ijosar-1125	133	4	hardly	hardly	ADV
ijosar-1125	133	5	be	be	AUX
ijosar-1125	133	6	found	find	VERB
ijosar-1125	133	7	nationwide	nationwide	ADV
ijosar-1125	133	8	in	in	ADP
ijosar-1125	133	9	rwanda	rwanda	PROPN
ijosar-1125	133	10	,	,	PUNCT
ijosar-1125	133	11	but	but	CCONJ
ijosar-1125	133	12	muremyi	muremyi	NOUN
ijosar-1125	133	13	et	et	PROPN
ijosar-1125	133	14	al	al	PROPN
ijosar-1125	133	15	.	.	PROPN
ijosar-1125	134	1	(	(	PUNCT
ijosar-1125	134	2	2025	2025	NUM
ijosar-1125	134	3	)	)	PUNCT
ijosar-1125	134	4	highlighted	highlight	VERB
ijosar-1125	134	5	them	they	PRON
ijosar-1125	134	6	as	as	ADP
ijosar-1125	134	7	some	some	PRON
ijosar-1125	134	8	of	of	ADP
ijosar-1125	134	9	the	the	DET
ijosar-1125	134	10	contributing	contribute	VERB
ijosar-1125	134	11	factors	factor	NOUN
ijosar-1125	134	12	to	to	ADP
ijosar-1125	134	13	the	the	DET
ijosar-1125	134	14	low	low	ADJ
ijosar-1125	134	15	level	level	NOUN
ijosar-1125	134	16	of	of	ADP
ijosar-1125	134	17	health	health	NOUN
ijosar-1125	134	18	insurance	insurance	NOUN
ijosar-1125	134	19	coverage	coverage	NOUN
ijosar-1125	134	20	including	include	VERB
ijosar-1125	134	21	lack	lack	NOUN
ijosar-1125	134	22	of	of	ADP
ijosar-1125	134	23	awareness	awareness	NOUN
ijosar-1125	134	24	,	,	PUNCT
ijosar-1125	134	25	financial	financial	ADJ
ijosar-1125	134	26	constraints	constraint	NOUN
ijosar-1125	134	27	,	,	PUNCT
ijosar-1125	134	28	and	and	CCONJ
ijosar-1125	134	29	delivery	delivery	NOUN
ijosar-1125	134	30	of	of	ADP
ijosar-1125	134	31	poor	poor	ADJ
ijosar-1125	134	32	health	health	NOUN
ijosar-1125	134	33	services	service	NOUN
ijosar-1125	134	34	.	.	PUNCT
ijosar-1125	135	1	they	they	PRON
ijosar-1125	135	2	were	be	AUX
ijosar-1125	135	3	,	,	PUNCT
ijosar-1125	135	4	however	however	ADV
ijosar-1125	135	5	,	,	PUNCT
ijosar-1125	135	6	only	only	ADV
ijosar-1125	135	7	focused	focus	VERB
ijosar-1125	135	8	on	on	ADP
ijosar-1125	135	9	the	the	DET
ijosar-1125	135	10	public	public	ADJ
ijosar-1125	135	11	cbhi	cbhi	VERB
ijosar-1125	135	12	scheme	scheme	NOUN
ijosar-1125	135	13	.	.	PUNCT
ijosar-1125	136	1	njoumemi	njoumemi	PROPN
ijosar-1125	136	2	et	et	PROPN
ijosar-1125	136	3	al	al	PROPN
ijosar-1125	136	4	.	.	PROPN
ijosar-1125	137	1	(	(	PUNCT
ijosar-1125	137	2	2023	2023	NUM
ijosar-1125	137	3	)	)	PUNCT
ijosar-1125	137	4	conducted	conduct	VERB
ijosar-1125	137	5	a	a	DET
ijosar-1125	137	6	study	study	NOUN
ijosar-1125	137	7	in	in	ADP
ijosar-1125	137	8	cameroon	cameroon	PROPN
ijosar-1125	137	9	and	and	CCONJ
ijosar-1125	137	10	concluded	conclude	VERB
ijosar-1125	137	11	that	that	SCONJ
ijosar-1125	137	12	demographic	demographic	ADJ
ijosar-1125	137	13	and	and	CCONJ
ijosar-1125	137	14	socioeconomic	socioeconomic	ADJ
ijosar-1125	137	15	variables	variable	NOUN
ijosar-1125	137	16	such	such	ADJ
ijosar-1125	137	17	as	as	ADP
ijosar-1125	137	18	income	income	NOUN
ijosar-1125	137	19	and	and	CCONJ
ijosar-1125	137	20	education	education	NOUN
ijosar-1125	137	21	had	have	VERB
ijosar-1125	137	22	a	a	DET
ijosar-1125	137	23	strong	strong	ADJ
ijosar-1125	137	24	predictive	predictive	ADJ
ijosar-1125	137	25	value	value	NOUN
ijosar-1125	137	26	of	of	ADP
ijosar-1125	137	27	health	health	NOUN
ijosar-1125	137	28	insurance	insurance	NOUN
ijosar-1125	137	29	coverage	coverage	NOUN
ijosar-1125	137	30	.	.	PUNCT
ijosar-1125	138	1	the	the	DET
ijosar-1125	138	2	availability	availability	NOUN
ijosar-1125	138	3	of	of	ADP
ijosar-1125	138	4	the	the	DET
ijosar-1125	138	5	local	local	ADJ
ijosar-1125	138	6	community	community	NOUN
ijosar-1125	138	7	structures	structure	NOUN
ijosar-1125	138	8	that	that	PRON
ijosar-1125	138	9	enable	enable	VERB
ijosar-1125	138	10	access	access	NOUN
ijosar-1125	138	11	was	be	AUX
ijosar-1125	138	12	also	also	ADV
ijosar-1125	138	13	noted	note	VERB
ijosar-1125	138	14	in	in	ADP
ijosar-1125	138	15	their	their	PRON
ijosar-1125	138	16	study	study	NOUN
ijosar-1125	138	17	.	.	PUNCT
ijosar-1125	139	1	the	the	DET
ijosar-1125	139	2	lshtm	lshtm	PROPN
ijosar-1125	139	3	systematic	systematic	PROPN
ijosar-1125	139	4	review	review	NOUN
ijosar-1125	139	5	(	(	PUNCT
ijosar-1125	139	6	2021	2021	NUM
ijosar-1125	139	7	)	)	PUNCT
ijosar-1125	139	8	across	across	ADP
ijosar-1125	139	9	sub	sub	ADJ
ijosar-1125	139	10	-	-	ADJ
ijosar-1125	139	11	saharan	saharan	ADJ
ijosar-1125	139	12	africa	africa	PROPN
ijosar-1125	139	13	identified	identify	VERB
ijosar-1125	139	14	that	that	SCONJ
ijosar-1125	139	15	the	the	DET
ijosar-1125	139	16	persistent	persistent	ADJ
ijosar-1125	139	17	barriers	barrier	NOUN
ijosar-1125	139	18	were	be	AUX
ijosar-1125	139	19	the	the	DET
ijosar-1125	139	20	deficit	deficit	NOUN
ijosar-1125	139	21	in	in	ADP
ijosar-1125	139	22	trust	trust	NOUN
ijosar-1125	139	23	,	,	PUNCT
ijosar-1125	139	24	low	low	ADJ
ijosar-1125	139	25	perceived	perceive	VERB
ijosar-1125	139	26	value	value	NOUN
ijosar-1125	139	27	,	,	PUNCT
ijosar-1125	139	28	low	low	ADJ
ijosar-1125	139	29	service	service	NOUN
ijosar-1125	139	30	quality	quality	NOUN
ijosar-1125	139	31	,	,	PUNCT
ijosar-1125	139	32	and	and	CCONJ
ijosar-1125	139	33	awareness	awareness	NOUN
ijosar-1125	139	34	to	to	ADP
ijosar-1125	139	35	community	community	NOUN
ijosar-1125	139	36	-	-	PUNCT
ijosar-1125	139	37	based	base	VERB
ijosar-1125	139	38	insurance	insurance	NOUN
ijosar-1125	139	39	health	health	NOUN
ijosar-1125	139	40	.	.	PUNCT
ijosar-1125	140	1	these	these	PRON
ijosar-1125	140	2	also	also	ADV
ijosar-1125	140	3	hampered	hamper	VERB
ijosar-1125	140	4	the	the	DET
ijosar-1125	140	5	renewal	renewal	NOUN
ijosar-1125	140	6	of	of	ADP
ijosar-1125	140	7	schemes	scheme	NOUN
ijosar-1125	140	8	and	and	CCONJ
ijosar-1125	140	9	continued	continued	ADJ
ijosar-1125	140	10	policies	policy	NOUN
ijosar-1125	140	11	.	.	PUNCT
ijosar-1125	141	1	a	a	DET
ijosar-1125	141	2	study	study	NOUN
ijosar-1125	141	3	by	by	ADP
ijosar-1125	141	4	cohen	cohen	PROPN
ijosar-1125	141	5	(	(	PUNCT
ijosar-1125	141	6	2023	2023	NUM
ijosar-1125	141	7	)	)	PUNCT
ijosar-1125	141	8	on	on	ADP
ijosar-1125	141	9	the	the	DET
ijosar-1125	141	10	insurance	insurance	NOUN
ijosar-1125	141	11	literacy	literacy	NOUN
ijosar-1125	141	12	in	in	ADP
ijosar-1125	141	13	the	the	DET
ijosar-1125	141	14	netherlands	netherlands	PROPN
ijosar-1125	141	15	revealed	reveal	VERB
ijosar-1125	141	16	that	that	SCONJ
ijosar-1125	141	17	those	those	PRON
ijosar-1125	141	18	with	with	ADP
ijosar-1125	141	19	low	low	ADJ
ijosar-1125	141	20	literacy	literacy	NOUN
ijosar-1125	141	21	proficiency	proficiency	NOUN
ijosar-1125	141	22	experienced	experience	VERB
ijosar-1125	141	23	more	more	ADJ
ijosar-1125	141	24	difficulty	difficulty	NOUN
ijosar-1125	141	25	in	in	ADP
ijosar-1125	141	26	comprehending	comprehending	ADJ
ijosar-1125	141	27	,	,	PUNCT
ijosar-1125	141	28	choosing	choosing	NOUN
ijosar-1125	141	29	,	,	PUNCT
ijosar-1125	141	30	and	and	CCONJ
ijosar-1125	141	31	appreciating	appreciate	VERB
ijosar-1125	141	32	the	the	DET
ijosar-1125	141	33	insurance	insurance	NOUN
ijosar-1125	141	34	products	product	NOUN
ijosar-1125	141	35	.	.	PUNCT
ijosar-1125	142	1	the	the	DET
ijosar-1125	142	2	research	research	NOUN
ijosar-1125	142	3	associated	associate	VERB
ijosar-1125	142	4	literacy	literacy	NOUN
ijosar-1125	142	5	with	with	ADP
ijosar-1125	142	6	long	long	ADJ
ijosar-1125	142	7	run	run	NOUN
ijosar-1125	142	8	satisfaction	satisfaction	NOUN
ijosar-1125	142	9	and	and	CCONJ
ijosar-1125	142	10	trust	trust	NOUN
ijosar-1125	142	11	.	.	PUNCT
ijosar-1125	143	1	tsai	tsai	PROPN
ijosar-1125	143	2	-	-	PUNCT
ijosar-1125	143	3	jyh	jyh	PROPN
ijosar-1125	143	4	(	(	PUNCT
ijosar-1125	143	5	2021	2021	NUM
ijosar-1125	143	6	)	)	PUNCT
ijosar-1125	143	7	evaluated	evaluate	VERB
ijosar-1125	143	8	the	the	DET
ijosar-1125	143	9	importance	importance	NOUN
ijosar-1125	143	10	of	of	ADP
ijosar-1125	143	11	the	the	DET
ijosar-1125	143	12	insurance	insurance	NOUN
ijosar-1125	143	13	agents	agent	NOUN
ijosar-1125	143	14	in	in	ADP
ijosar-1125	143	15	taiwan	taiwan	PROPN
ijosar-1125	143	16	and	and	CCONJ
ijosar-1125	143	17	identified	identify	VERB
ijosar-1125	143	18	a	a	DET
ijosar-1125	143	19	significant	significant	ADJ
ijosar-1125	143	20	relationship	relationship	NOUN
ijosar-1125	143	21	between	between	ADP
ijosar-1125	143	22	the	the	DET
ijosar-1125	143	23	activities	activity	NOUN
ijosar-1125	143	24	of	of	ADP
ijosar-1125	143	25	agents	agent	NOUN
ijosar-1125	143	26	and	and	CCONJ
ijosar-1125	143	27	the	the	DET
ijosar-1125	143	28	public	public	ADJ
ijosar-1125	143	29	awareness	awareness	NOUN
ijosar-1125	143	30	.	.	PUNCT
ijosar-1125	144	1	consumers	consumer	NOUN
ijosar-1125	144	2	who	who	PRON
ijosar-1125	144	3	communicated	communicate	VERB
ijosar-1125	144	4	with	with	ADP
ijosar-1125	144	5	insurance	insurance	NOUN
ijosar-1125	144	6	agents	agent	NOUN
ijosar-1125	144	7	proved	prove	VERB
ijosar-1125	144	8	to	to	PART
ijosar-1125	144	9	have	have	VERB
ijosar-1125	144	10	much	much	ADV
ijosar-1125	144	11	better	well	ADJ
ijosar-1125	144	12	comprehension	comprehension	NOUN
ijosar-1125	144	13	and	and	CCONJ
ijosar-1125	144	14	involvement	involvement	NOUN
ijosar-1125	144	15	.	.	PUNCT
ijosar-1125	145	1	turyamureba	turyamureba	PROPN
ijosar-1125	145	2	,	,	PUNCT
ijosar-1125	145	3	yawe	yawe	NOUN
ijosar-1125	145	4	,	,	PUNCT
ijosar-1125	145	5	and	and	CCONJ
ijosar-1125	145	6	oryema	oryema	NOUN
ijosar-1125	145	7	(	(	PUNCT
ijosar-1125	145	8	2022	2022	NUM
ijosar-1125	145	9	)	)	PUNCT
ijosar-1125	145	10	noted	note	VERB
ijosar-1125	145	11	that	that	SCONJ
ijosar-1125	145	12	in	in	ADP
ijosar-1125	145	13	uganda	uganda	PROPN
ijosar-1125	145	14	,	,	PUNCT
ijosar-1125	145	15	wealth	wealth	NOUN
ijosar-1125	145	16	,	,	PUNCT
ijosar-1125	145	17	education	education	NOUN
ijosar-1125	145	18	,	,	PUNCT
ijosar-1125	145	19	marital	marital	ADJ
ijosar-1125	145	20	status	status	NOUN
ijosar-1125	145	21	,	,	PUNCT
ijosar-1125	145	22	and	and	CCONJ
ijosar-1125	145	23	access	access	NOUN
ijosar-1125	145	24	to	to	ADP
ijosar-1125	145	25	information	information	NOUN
ijosar-1125	145	26	through	through	ADP
ijosar-1125	145	27	media	medium	NOUN
ijosar-1125	145	28	were	be	AUX
ijosar-1125	145	29	strong	strong	ADJ
ijosar-1125	145	30	factors	factor	NOUN
ijosar-1125	145	31	that	that	PRON
ijosar-1125	145	32	affected	affect	VERB
ijosar-1125	145	33	the	the	DET
ijosar-1125	145	34	demand	demand	NOUN
ijosar-1125	145	35	of	of	ADP
ijosar-1125	145	36	the	the	DET
ijosar-1125	145	37	private	private	ADJ
ijosar-1125	145	38	health	health	NOUN
ijosar-1125	145	39	insurance	insurance	NOUN
ijosar-1125	145	40	.	.	PUNCT
ijosar-1125	146	1	the	the	DET
ijosar-1125	146	2	combination	combination	NOUN
ijosar-1125	146	3	of	of	ADP
ijosar-1125	146	4	these	these	DET
ijosar-1125	146	5	variables	variable	NOUN
ijosar-1125	146	6	was	be	AUX
ijosar-1125	146	7	predictive	predictive	ADJ
ijosar-1125	146	8	especially	especially	ADV
ijosar-1125	146	9	in	in	ADP
ijosar-1125	146	10	the	the	DET
ijosar-1125	146	11	urban	urban	ADJ
ijosar-1125	146	12	dwellers	dweller	NOUN
ijosar-1125	146	13	.	.	PUNCT
ijosar-1125	147	1	malambo	malambo	PROPN
ijosar-1125	147	2	and	and	CCONJ
ijosar-1125	147	3	qutieshat	qutieshat	PROPN
ijosar-1125	147	4	(	(	PUNCT
ijosar-1125	147	5	2024	2024	NUM
ijosar-1125	147	6	)	)	PUNCT
ijosar-1125	147	7	listed	list	VERB
ijosar-1125	147	8	extreme	extreme	ADJ
ijosar-1125	147	9	poverty	poverty	NOUN
ijosar-1125	147	10	,	,	PUNCT
ijosar-1125	147	11	low	low	ADJ
ijosar-1125	147	12	levels	level	NOUN
ijosar-1125	147	13	of	of	ADP
ijosar-1125	147	14	awareness	awareness	NOUN
ijosar-1125	147	15	,	,	PUNCT
ijosar-1125	147	16	and	and	CCONJ
ijosar-1125	147	17	the	the	DET
ijosar-1125	147	18	absence	absence	NOUN
ijosar-1125	147	19	of	of	ADP
ijosar-1125	147	20	the	the	DET
ijosar-1125	147	21	targeted	target	VERB
ijosar-1125	147	22	education	education	NOUN
ijosar-1125	147	23	campaigns	campaign	NOUN
ijosar-1125	147	24	as	as	SCONJ
ijosar-1125	147	25	the	the	DET
ijosar-1125	147	26	primary	primary	ADJ
ijosar-1125	147	27	life	life	NOUN
ijosar-1125	147	28	insurance	insurance	NOUN
ijosar-1125	147	29	uptake	uptake	ADJ
ijosar-1125	147	30	limiting	limit	VERB
ijosar-1125	147	31	factors	factor	NOUN
ijosar-1125	147	32	in	in	ADP
ijosar-1125	147	33	botswana	botswana	PROPN
ijosar-1125	147	34	.	.	PUNCT
ijosar-1125	148	1	their	their	PRON
ijosar-1125	148	2	research	research	NOUN
ijosar-1125	148	3	emphasizes	emphasize	VERB
ijosar-1125	148	4	that	that	SCONJ
ijosar-1125	148	5	what	what	PRON
ijosar-1125	148	6	works	work	VERB
ijosar-1125	148	7	will	will	AUX
ijosar-1125	148	8	be	be	AUX
ijosar-1125	148	9	specific	specific	ADJ
ijosar-1125	148	10	financial	financial	ADJ
ijosar-1125	148	11	literacy	literacy	NOUN
ijosar-1125	148	12	interventions	intervention	NOUN
ijosar-1125	148	13	.	.	PUNCT
ijosar-1125	149	1	according	accord	VERB
ijosar-1125	149	2	to	to	PART
ijosar-1125	149	3	rukundo	rukundo	VERB
ijosar-1125	149	4	et	et	PROPN
ijosar-1125	149	5	al	al	PROPN
ijosar-1125	149	6	.	.	PROPN
ijosar-1125	150	1	(	(	PUNCT
ijosar-1125	150	2	2019	2019	NUM
ijosar-1125	150	3	)	)	PUNCT
ijosar-1125	150	4	,	,	PUNCT
ijosar-1125	150	5	the	the	DET
ijosar-1125	150	6	social	social	ADJ
ijosar-1125	150	7	capital	capital	NOUN
ijosar-1125	150	8	,	,	PUNCT
ijosar-1125	150	9	household	household	NOUN
ijosar-1125	150	10	economic	economic	ADJ
ijosar-1125	150	11	status	status	NOUN
ijosar-1125	150	12	,	,	PUNCT
ijosar-1125	150	13	and	and	CCONJ
ijosar-1125	150	14	male	male	ADJ
ijosar-1125	150	15	employment	employment	NOUN
ijosar-1125	150	16	in	in	ADP
ijosar-1125	150	17	casual	casual	ADJ
ijosar-1125	150	18	labor	labor	NOUN
ijosar-1125	150	19	were	be	AUX
ijosar-1125	150	20	related	relate	VERB
ijosar-1125	150	21	to	to	ADP
ijosar-1125	150	22	the	the	DET
ijosar-1125	150	23	enrolment	enrolment	NOUN
ijosar-1125	150	24	in	in	ADP
ijosar-1125	150	25	the	the	DET
ijosar-1125	150	26	community	community	NOUN
ijosar-1125	150	27	-	-	PUNCT
ijosar-1125	150	28	based	base	VERB
ijosar-1125	150	29	health	health	NOUN
ijosar-1125	150	30	insurance	insurance	NOUN
ijosar-1125	150	31	in	in	ADP
ijosar-1125	150	32	rural	rural	ADJ
ijosar-1125	150	33	uganda	uganda	PROPN
ijosar-1125	150	34	.	.	PUNCT
ijosar-1125	151	1	ijo	ijo	PROPN
ijosar-1125	151	2	journals	journal	NOUN
ijosar-1125	151	3	volume	volume	NOUN
ijosar-1125	151	4	08	08	NUM
ijosar-1125	152	1	|	|	ADV
ijosar-1125	152	2	issue	issue	NOUN
ijosar-1125	152	3	08	08	NUM
ijosar-1125	153	1	|	|	ADV
ijosar-1125	153	2	august	august	PROPN
ijosar-1125	153	3	2025	2025	NUM
ijosar-1125	153	4	|	|	ADV
ijosar-1125	153	5	https://ijojournals.com/index.php/ssh/index	https://ijojournals.com/index.php/ssh/index	NOUN
ijosar-1125	153	6	73	73	NUM
ijosar-1125	153	7	ijointernational	ijointernational	ADJ
ijosar-1125	153	8	journal	journal	NOUN
ijosar-1125	153	9	of	of	ADP
ijosar-1125	153	10	social	social	ADJ
ijosar-1125	153	11	science	science	NOUN
ijosar-1125	153	12	and	and	CCONJ
ijosar-1125	153	13	humanities	humanity	NOUN
ijosar-1125	153	14	research	research	NOUN
ijosar-1125	153	15	(	(	PUNCT
ijosar-1125	153	16	issn	issn	PROPN
ijosar-1125	153	17	2811	2811	NUM
ijosar-1125	153	18	-	-	SYM
ijosar-1125	153	19	2466	2466	NUM
ijosar-1125	153	20	)	)	PUNCT
ijosar-1125	153	21	obiora	obiora	PROPN
ijosar-1125	153	22	peters	peters	PROPN
ijosar-1125	153	23	,	,	PUNCT
ijosar-1125	153	24	emeka	emeka	VERB
ijosar-1125	153	25	phd1	phd1	PROPN
ijosar-1125	153	26	*	*	PUNCT
ijosar-1125	153	27	https://ijojournals.com/	https://ijojournals.com/	PROPN
ijosar-1125	153	28	volume	volume	NOUN
ijosar-1125	153	29	08	08	NUM
ijosar-1125	154	1	||	||	PROPN
ijosar-1125	154	2	issue	issue	NOUN
ijosar-1125	154	3	08	08	NUM
ijosar-1125	154	4	||	||	NOUN
ijosar-1125	154	5	august	august	PROPN
ijosar-1125	154	6	,	,	PUNCT
ijosar-1125	154	7	2025	2025	NUM
ijosar-1125	154	8	||	||	PUNCT
ijosar-1125	155	1	“	"	PUNCT
ijosar-1125	155	2	determinants	determinant	NOUN
ijosar-1125	155	3	of	of	ADP
ijosar-1125	155	4	insurance	insurance	NOUN
ijosar-1125	155	5	uptake	uptake	ADJ
ijosar-1125	155	6	in	in	ADP
ijosar-1125	155	7	rwanda	rwanda	PROPN
ijosar-1125	155	8	a	a	DET
ijosar-1125	155	9	case	case	NOUN
ijosar-1125	155	10	study	study	NOUN
ijosar-1125	155	11	of	of	ADP
ijosar-1125	155	12	radiant	radiant	ADJ
ijosar-1125	155	13	insurance	insurance	NOUN
ijosar-1125	155	14	company	company	NOUN
ijosar-1125	155	15	limited	limit	VERB
ijosar-1125	155	16	(	(	PUNCT
ijosar-1125	155	17	2020	2020	NUM
ijosar-1125	155	18	-	-	SYM
ijosar-1125	155	19	2024	2024	NUM
ijosar-1125	155	20	)	)	PUNCT
ijosar-1125	155	21	"	"	PUNCT
ijosar-1125	155	22	knowledge	knowledge	NOUN
ijosar-1125	155	23	concerning	concern	VERB
ijosar-1125	155	24	premium	premium	NOUN
ijosar-1125	155	25	structures	structure	NOUN
ijosar-1125	155	26	was	be	AUX
ijosar-1125	155	27	also	also	ADV
ijosar-1125	155	28	recognized	recognize	VERB
ijosar-1125	155	29	as	as	ADP
ijosar-1125	155	30	necessary	necessary	ADJ
ijosar-1125	155	31	in	in	ADP
ijosar-1125	155	32	the	the	DET
ijosar-1125	155	33	study	study	NOUN
ijosar-1125	155	34	.	.	PUNCT
ijosar-1125	156	1	as	as	SCONJ
ijosar-1125	156	2	reported	report	VERB
ijosar-1125	156	3	by	by	ADP
ijosar-1125	156	4	wasike	wasike	X
ijosar-1125	156	5	(	(	PUNCT
ijosar-1125	156	6	2019	2019	NUM
ijosar-1125	156	7	)	)	PUNCT
ijosar-1125	156	8	and	and	CCONJ
ijosar-1125	156	9	kiplagat	kiplagat	PROPN
ijosar-1125	156	10	et	et	PROPN
ijosar-1125	156	11	al	al	PROPN
ijosar-1125	156	12	.	.	PROPN
ijosar-1125	157	1	(	(	PUNCT
ijosar-1125	157	2	2021	2021	NUM
ijosar-1125	157	3	)	)	PUNCT
ijosar-1125	157	4	,	,	PUNCT
ijosar-1125	157	5	complicated	complicate	VERB
ijosar-1125	157	6	legal	legal	ADJ
ijosar-1125	157	7	words	word	NOUN
ijosar-1125	157	8	and	and	CCONJ
ijosar-1125	157	9	cultural	cultural	ADJ
ijosar-1125	157	10	understanding	understanding	NOUN
ijosar-1125	157	11	do	do	AUX
ijosar-1125	157	12	make	make	VERB
ijosar-1125	157	13	a	a	DET
ijosar-1125	157	14	considerable	considerable	ADJ
ijosar-1125	157	15	dent	dent	NOUN
ijosar-1125	157	16	when	when	SCONJ
ijosar-1125	157	17	it	it	PRON
ijosar-1125	157	18	comes	come	VERB
ijosar-1125	157	19	to	to	ADP
ijosar-1125	157	20	taking	take	VERB
ijosar-1125	157	21	up	up	ADP
ijosar-1125	157	22	insurance	insurance	NOUN
ijosar-1125	157	23	in	in	ADP
ijosar-1125	157	24	kenya	kenya	PROPN
ijosar-1125	157	25	.	.	PUNCT
ijosar-1125	158	1	despite	despite	SCONJ
ijosar-1125	158	2	these	these	DET
ijosar-1125	158	3	literacy	literacy	NOUN
ijosar-1125	158	4	campaigns	campaign	NOUN
ijosar-1125	158	5	which	which	PRON
ijosar-1125	158	6	were	be	AUX
ijosar-1125	158	7	increasing	increase	VERB
ijosar-1125	158	8	awareness	awareness	NOUN
ijosar-1125	158	9	,	,	PUNCT
ijosar-1125	158	10	this	this	PRON
ijosar-1125	158	11	was	be	AUX
ijosar-1125	158	12	not	not	PART
ijosar-1125	158	13	necessarily	necessarily	ADV
ijosar-1125	158	14	accompanied	accompany	VERB
ijosar-1125	158	15	with	with	ADP
ijosar-1125	158	16	follow	follow	VERB
ijosar-1125	158	17	through	through	ADP
ijosar-1125	158	18	in	in	ADP
ijosar-1125	158	19	the	the	DET
ijosar-1125	158	20	form	form	NOUN
ijosar-1125	158	21	of	of	ADP
ijosar-1125	158	22	policy	policy	NOUN
ijosar-1125	158	23	implementation	implementation	NOUN
ijosar-1125	158	24	.	.	PUNCT
ijosar-1125	159	1	the	the	DET
ijosar-1125	159	2	authors	author	NOUN
ijosar-1125	159	3	identified	identify	VERB
ijosar-1125	159	4	the	the	DET
ijosar-1125	159	5	insurance	insurance	NOUN
ijosar-1125	159	6	literacy	literacy	NOUN
ijosar-1125	159	7	as	as	ADP
ijosar-1125	159	8	the	the	DET
ijosar-1125	159	9	factor	factor	NOUN
ijosar-1125	159	10	associated	associate	VERB
ijosar-1125	159	11	with	with	ADP
ijosar-1125	159	12	informed	informed	ADJ
ijosar-1125	159	13	financial	financial	ADJ
ijosar-1125	159	14	choices	choice	NOUN
ijosar-1125	159	15	at	at	ADP
ijosar-1125	159	16	the	the	DET
ijosar-1125	159	17	global	global	ADJ
ijosar-1125	159	18	level	level	NOUN
ijosar-1125	159	19	(	(	PUNCT
ijosar-1125	159	20	lusardi	lusardi	NOUN
ijosar-1125	159	21	and	and	CCONJ
ijosar-1125	159	22	mitchell	mitchell	PROPN
ijosar-1125	159	23	,	,	PUNCT
ijosar-1125	159	24	2017	2017	NUM
ijosar-1125	159	25	)	)	PUNCT
ijosar-1125	159	26	.	.	PUNCT
ijosar-1125	160	1	assumptions	assumption	NOUN
ijosar-1125	160	2	made	make	VERB
ijosar-1125	160	3	by	by	ADP
ijosar-1125	160	4	them	they	PRON
ijosar-1125	160	5	were	be	AUX
ijosar-1125	160	6	that	that	SCONJ
ijosar-1125	160	7	the	the	PRON
ijosar-1125	160	8	more	more	ADV
ijosar-1125	160	9	the	the	DET
ijosar-1125	160	10	consumers	consumer	NOUN
ijosar-1125	160	11	know	know	VERB
ijosar-1125	160	12	about	about	ADP
ijosar-1125	160	13	an	an	DET
ijosar-1125	160	14	insurance	insurance	NOUN
ijosar-1125	160	15	,	,	PUNCT
ijosar-1125	160	16	the	the	PRON
ijosar-1125	160	17	more	more	ADV
ijosar-1125	160	18	they	they	PRON
ijosar-1125	160	19	are	be	AUX
ijosar-1125	160	20	likely	likely	ADJ
ijosar-1125	160	21	to	to	PART
ijosar-1125	160	22	view	view	VERB
ijosar-1125	160	23	it	it	PRON
ijosar-1125	160	24	as	as	ADP
ijosar-1125	160	25	a	a	DET
ijosar-1125	160	26	worthwhile	worthwhile	ADJ
ijosar-1125	160	27	risk	risk	NOUN
ijosar-1125	160	28	management	management	NOUN
ijosar-1125	160	29	tool	tool	NOUN
ijosar-1125	160	30	.	.	PUNCT
ijosar-1125	161	1	gin	gin	NOUN
ijosar-1125	161	2	and	and	CCONJ
ijosar-1125	161	3	yang	yang	PROPN
ijosar-1125	161	4	in	in	ADP
ijosar-1125	161	5	malawi	malawi	PROPN
ijosar-1125	161	6	(	(	PUNCT
ijosar-1125	161	7	2009	2009	NUM
ijosar-1125	161	8	)	)	PUNCT
ijosar-1125	161	9	showed	show	VERB
ijosar-1125	161	10	how	how	SCONJ
ijosar-1125	161	11	differentiated	differentiated	ADJ
ijosar-1125	161	12	crop	crop	NOUN
ijosar-1125	161	13	and	and	CCONJ
ijosar-1125	161	14	rainfall	rainfall	NOUN
ijosar-1125	161	15	insurance	insurance	NOUN
ijosar-1125	161	16	education	education	NOUN
ijosar-1125	161	17	could	could	AUX
ijosar-1125	161	18	play	play	VERB
ijosar-1125	161	19	a	a	DET
ijosar-1125	161	20	great	great	ADJ
ijosar-1125	161	21	role	role	NOUN
ijosar-1125	161	22	in	in	ADP
ijosar-1125	161	23	boosting	boost	VERB
ijosar-1125	161	24	the	the	DET
ijosar-1125	161	25	penetration	penetration	NOUN
ijosar-1125	161	26	of	of	ADP
ijosar-1125	161	27	insurance	insurance	NOUN
ijosar-1125	161	28	among	among	ADP
ijosar-1125	161	29	peasants	peasant	NOUN
ijosar-1125	161	30	in	in	ADP
ijosar-1125	161	31	rural	rural	ADJ
ijosar-1125	161	32	areas	area	NOUN
ijosar-1125	161	33	supporting	support	VERB
ijosar-1125	161	34	the	the	DET
ijosar-1125	161	35	aspect	aspect	NOUN
ijosar-1125	161	36	of	of	ADP
ijosar-1125	161	37	contextual	contextual	ADJ
ijosar-1125	161	38	knowledge	knowledge	NOUN
ijosar-1125	161	39	in	in	ADP
ijosar-1125	161	40	insurance	insurance	NOUN
ijosar-1125	161	41	utilization	utilization	NOUN
ijosar-1125	161	42	.	.	PUNCT
ijosar-1125	162	1	2.4	2.4	NUM
ijosar-1125	162	2	literature	literature	NOUN
ijosar-1125	162	3	gaps	gap	NOUN
ijosar-1125	162	4	and	and	CCONJ
ijosar-1125	162	5	justification	justification	NOUN
ijosar-1125	162	6	for	for	ADP
ijosar-1125	162	7	the	the	DET
ijosar-1125	162	8	study	study	NOUN
ijosar-1125	162	9	the	the	DET
ijosar-1125	162	10	literature	literature	NOUN
ijosar-1125	162	11	on	on	ADP
ijosar-1125	162	12	health	health	NOUN
ijosar-1125	162	13	insurance	insurance	NOUN
ijosar-1125	162	14	and	and	CCONJ
ijosar-1125	162	15	microinsurance	microinsurance	NOUN
ijosar-1125	162	16	in	in	ADP
ijosar-1125	162	17	sub	sub	ADJ
ijosar-1125	162	18	-	-	ADJ
ijosar-1125	162	19	saharan	saharan	ADJ
ijosar-1125	162	20	africa	africa	PROPN
ijosar-1125	162	21	has	have	VERB
ijosar-1125	162	22	an	an	DET
ijosar-1125	162	23	impressive	impressive	ADJ
ijosar-1125	162	24	amount	amount	NOUN
ijosar-1125	162	25	of	of	ADP
ijosar-1125	162	26	empirical	empirical	ADJ
ijosar-1125	162	27	research	research	NOUN
ijosar-1125	162	28	,	,	PUNCT
ijosar-1125	162	29	some	some	PRON
ijosar-1125	162	30	of	of	ADP
ijosar-1125	162	31	which	which	PRON
ijosar-1125	162	32	covers	cover	VERB
ijosar-1125	162	33	rwanda	rwanda	PROPN
ijosar-1125	162	34	,	,	PUNCT
ijosar-1125	162	35	but	but	CCONJ
ijosar-1125	162	36	there	there	PRON
ijosar-1125	162	37	is	be	VERB
ijosar-1125	162	38	a	a	DET
ijosar-1125	162	39	striking	striking	ADJ
ijosar-1125	162	40	lack	lack	NOUN
ijosar-1125	162	41	of	of	ADP
ijosar-1125	162	42	literature	literature	NOUN
ijosar-1125	162	43	detailing	detail	VERB
ijosar-1125	162	44	the	the	DET
ijosar-1125	162	45	issue	issue	NOUN
ijosar-1125	162	46	of	of	ADP
ijosar-1125	162	47	insurance	insurance	NOUN
ijosar-1125	162	48	uptake	uptake	ADJ
ijosar-1125	162	49	in	in	ADP
ijosar-1125	162	50	the	the	DET
ijosar-1125	162	51	rwandan	rwandan	ADJ
ijosar-1125	162	52	context	context	NOUN
ijosar-1125	162	53	of	of	ADP
ijosar-1125	162	54	the	the	DET
ijosar-1125	162	55	private	private	ADJ
ijosar-1125	162	56	insurance	insurance	NOUN
ijosar-1125	162	57	sector	sector	NOUN
ijosar-1125	162	58	.	.	PUNCT
ijosar-1125	163	1	local	local	ADJ
ijosar-1125	163	2	research	research	NOUN
ijosar-1125	163	3	tends	tend	VERB
ijosar-1125	163	4	to	to	PART
ijosar-1125	163	5	identify	identify	VERB
ijosar-1125	163	6	one	one	NUM
ijosar-1125	163	7	community	community	NOUN
ijosar-1125	163	8	or	or	CCONJ
ijosar-1125	163	9	government	government	NOUN
ijosar-1125	163	10	scheme	scheme	NOUN
ijosar-1125	163	11	and	and	CCONJ
ijosar-1125	163	12	give	give	VERB
ijosar-1125	163	13	details	detail	NOUN
ijosar-1125	163	14	regarding	regard	VERB
ijosar-1125	163	15	it	it	PRON
ijosar-1125	163	16	(	(	PUNCT
ijosar-1125	163	17	kawuki	kawuki	PROPN
ijosar-1125	163	18	et	et	PROPN
ijosar-1125	163	19	al	al	PROPN
ijosar-1125	163	20	.	.	PROPN
ijosar-1125	163	21	,	,	PUNCT
ijosar-1125	163	22	2022	2022	NUM
ijosar-1125	163	23	;	;	PUNCT
ijosar-1125	163	24	muremyi	muremyi	NOUN
ijosar-1125	163	25	et	et	PROPN
ijosar-1125	163	26	al	al	PROPN
ijosar-1125	163	27	.	.	PROPN
ijosar-1125	163	28	,	,	PUNCT
ijosar-1125	163	29	2025	2025	NUM
ijosar-1125	163	30	)	)	PUNCT
ijosar-1125	163	31	.	.	PUNCT
ijosar-1125	164	1	no	no	DET
ijosar-1125	164	2	empirical	empirical	ADJ
ijosar-1125	164	3	study	study	NOUN
ijosar-1125	164	4	to	to	ADP
ijosar-1125	164	5	the	the	DET
ijosar-1125	164	6	best	good	ADJ
ijosar-1125	164	7	of	of	ADP
ijosar-1125	164	8	our	our	PRON
ijosar-1125	164	9	knowledge	knowledge	NOUN
ijosar-1125	164	10	has	have	AUX
ijosar-1125	164	11	analyzed	analyze	VERB
ijosar-1125	164	12	the	the	DET
ijosar-1125	164	13	determinants	determinant	NOUN
ijosar-1125	164	14	of	of	ADP
ijosar-1125	164	15	voluntary	voluntary	ADJ
ijosar-1125	164	16	or	or	CCONJ
ijosar-1125	164	17	commercial	commercial	ADJ
ijosar-1125	164	18	insurance	insurance	NOUN
ijosar-1125	164	19	uptake	uptake	ADJ
ijosar-1125	164	20	among	among	ADP
ijosar-1125	164	21	individuals	individual	NOUN
ijosar-1125	164	22	and	and	CCONJ
ijosar-1125	164	23	small	small	ADJ
ijosar-1125	164	24	businesses	business	NOUN
ijosar-1125	164	25	in	in	ADP
ijosar-1125	164	26	rwanda	rwanda	PROPN
ijosar-1125	164	27	.	.	PUNCT
ijosar-1125	165	1	hence	hence	ADV
ijosar-1125	165	2	,	,	PUNCT
ijosar-1125	165	3	this	this	DET
ijosar-1125	165	4	current	current	ADJ
ijosar-1125	165	5	study	study	NOUN
ijosar-1125	165	6	.	.	PUNCT
ijosar-1125	166	1	3.0	3.0	NUM
ijosar-1125	166	2	methodology	methodology	NOUN
ijosar-1125	166	3	the	the	DET
ijosar-1125	166	4	study	study	NOUN
ijosar-1125	166	5	adopted	adopt	VERB
ijosar-1125	166	6	purely	purely	ADV
ijosar-1125	166	7	descriptive	descriptive	ADJ
ijosar-1125	166	8	quantitative	quantitative	ADJ
ijosar-1125	166	9	method	method	NOUN
ijosar-1125	166	10	along	along	ADP
ijosar-1125	166	11	a	a	DET
ijosar-1125	166	12	case	case	NOUN
ijosar-1125	166	13	study	study	NOUN
ijosar-1125	166	14	design	design	NOUN
ijosar-1125	166	15	,	,	PUNCT
ijosar-1125	166	16	using	use	VERB
ijosar-1125	166	17	an	an	DET
ijosar-1125	166	18	appropriated	appropriate	VERB
ijosar-1125	166	19	population	population	NOUN
ijosar-1125	166	20	of	of	ADP
ijosar-1125	166	21	16606	16606	NUM
ijosar-1125	166	22	out	out	ADP
ijosar-1125	166	23	which	which	PRON
ijosar-1125	166	24	375	375	NUM
ijosar-1125	166	25	was	be	AUX
ijosar-1125	166	26	determined	determine	VERB
ijosar-1125	166	27	using	use	VERB
ijosar-1125	166	28	krejcie	krejcie	NOUN
ijosar-1125	166	29	and	and	CCONJ
ijosar-1125	166	30	morgan(1970	morgan(1970	PRON
ijosar-1125	166	31	)	)	PUNCT
ijosar-1125	166	32	formula(fink	formula(fink	PROPN
ijosar-1125	166	33	,	,	PUNCT
ijosar-1125	166	34	a.	a.	NOUN
ijosar-1125	166	35	(	(	PUNCT
ijosar-1125	166	36	2020;babbie	2020;babbie	PROPN
ijosar-1125	166	37	,	,	PUNCT
ijosar-1125	166	38	e.	e.	PROPN
ijosar-1125	166	39	(	(	PUNCT
ijosar-1125	166	40	2021	2021	NUM
ijosar-1125	166	41	)	)	PUNCT
ijosar-1125	166	42	maintained	maintain	VERB
ijosar-1125	166	43	that	that	SCONJ
ijosar-1125	166	44	when	when	SCONJ
ijosar-1125	166	45	disaggregated	disaggregate	VERB
ijosar-1125	166	46	data	datum	NOUN
ijosar-1125	166	47	is	be	AUX
ijosar-1125	166	48	inaccessible	inaccessible	ADJ
ijosar-1125	166	49	,	,	PUNCT
ijosar-1125	166	50	sampling	sample	VERB
ijosar-1125	166	51	frames	frame	NOUN
ijosar-1125	166	52	can	can	AUX
ijosar-1125	166	53	be	be	AUX
ijosar-1125	166	54	approximated	approximate	VERB
ijosar-1125	166	55	.	.	PUNCT
ijosar-1125	167	1	375	375	NUM
ijosar-1125	167	2	customers	customer	NOUN
ijosar-1125	167	3	where	where	SCONJ
ijosar-1125	167	4	randomly	randomly	ADV
ijosar-1125	167	5	sampled	sample	VERB
ijosar-1125	167	6	in	in	ADP
ijosar-1125	167	7	kigali	kigali	PROPN
ijosar-1125	167	8	to	to	PART
ijosar-1125	167	9	ensure	ensure	VERB
ijosar-1125	167	10	representativeness	representativeness	NOUN
ijosar-1125	167	11	.	.	PUNCT
ijosar-1125	168	1	due	due	ADP
ijosar-1125	168	2	to	to	ADP
ijosar-1125	168	3	the	the	DET
ijosar-1125	168	4	absence	absence	NOUN
ijosar-1125	168	5	of	of	ADP
ijosar-1125	168	6	exact	exact	ADJ
ijosar-1125	168	7	client	client	NOUN
ijosar-1125	168	8	distribution	distribution	NOUN
ijosar-1125	168	9	data	datum	NOUN
ijosar-1125	168	10	at	at	ADP
ijosar-1125	168	11	the	the	DET
ijosar-1125	168	12	kigali	kigali	PROPN
ijosar-1125	168	13	headquarters	headquarters	PROPN
ijosar-1125	168	14	,	,	PUNCT
ijosar-1125	168	15	the	the	DET
ijosar-1125	168	16	study	study	NOUN
ijosar-1125	168	17	estimated	estimate	VERB
ijosar-1125	168	18	the	the	DET
ijosar-1125	168	19	client	client	NOUN
ijosar-1125	168	20	population	population	NOUN
ijosar-1125	168	21	using	use	VERB
ijosar-1125	168	22	the	the	DET
ijosar-1125	168	23	proportion	proportion	NOUN
ijosar-1125	168	24	of	of	ADP
ijosar-1125	168	25	radiant	radiant	ADJ
ijosar-1125	168	26	insurance	insurance	NOUN
ijosar-1125	168	27	branches	branch	NOUN
ijosar-1125	168	28	located	locate	VERB
ijosar-1125	168	29	in	in	ADP
ijosar-1125	168	30	kigali	kigali	PROPN
ijosar-1125	168	31	.	.	PUNCT
ijosar-1125	169	1	with	with	ADP
ijosar-1125	169	2	15	15	NUM
ijosar-1125	169	3	out	out	ADP
ijosar-1125	169	4	of	of	ADP
ijosar-1125	169	5	185	185	NUM
ijosar-1125	169	6	branches	branch	NOUN
ijosar-1125	169	7	in	in	ADP
ijosar-1125	169	8	the	the	DET
ijosar-1125	169	9	city	city	NOUN
ijosar-1125	169	10	,	,	PUNCT
ijosar-1125	169	11	the	the	DET
ijosar-1125	169	12	estimated	estimate	VERB
ijosar-1125	169	13	kigali	kigali	PROPN
ijosar-1125	169	14	client	client	PROPN
ijosar-1125	169	15	base	base	NOUN
ijosar-1125	169	16	from	from	ADP
ijosar-1125	169	17	204818	204818	NUM
ijosar-1125	169	18	is	be	AUX
ijosar-1125	169	19	16,606	16,606	NUM
ijosar-1125	169	20	(	(	PUNCT
ijosar-1125	169	21	kumar	kumar	PROPN
ijosar-1125	169	22	,	,	PUNCT
ijosar-1125	169	23	r.	r.	PROPN
ijosar-1125	169	24	(	(	PUNCT
ijosar-1125	169	25	2019	2019	NUM
ijosar-1125	169	26	,	,	PUNCT
ijosar-1125	169	27	;	;	PUNCT
ijosar-1125	169	28	unesco	unesco	PROPN
ijosar-1125	169	29	institute	institute	PROPN
ijosar-1125	169	30	for	for	ADP
ijosar-1125	169	31	statistics,2013	statistics,2013	NOUN
ijosar-1125	169	32	)	)	PUNCT
ijosar-1125	169	33	.	.	PUNCT
ijosar-1125	170	1	this	this	PRON
ijosar-1125	170	2	was	be	AUX
ijosar-1125	170	3	used	use	VERB
ijosar-1125	170	4	to	to	PART
ijosar-1125	170	5	estimate	estimate	VERB
ijosar-1125	170	6	sample	sample	NOUN
ijosar-1125	170	7	size	size	NOUN
ijosar-1125	170	8	.	.	PUNCT
ijosar-1125	171	1	though	though	SCONJ
ijosar-1125	171	2	it	it	PRON
ijosar-1125	171	3	still	still	ADV
ijosar-1125	171	4	lack	lack	VERB
ijosar-1125	171	5	specific	specific	ADJ
ijosar-1125	171	6	numbers	number	NOUN
ijosar-1125	171	7	of	of	ADP
ijosar-1125	171	8	clients	client	NOUN
ijosar-1125	171	9	of	of	ADP
ijosar-1125	171	10	each	each	DET
ijosar-1125	171	11	branch	branch	NOUN
ijosar-1125	171	12	,	,	PUNCT
ijosar-1125	171	13	it	it	PRON
ijosar-1125	171	14	can	can	AUX
ijosar-1125	171	15	legitimately	legitimately	ADV
ijosar-1125	171	16	be	be	AUX
ijosar-1125	171	17	stated	state	VERB
ijosar-1125	171	18	that	that	SCONJ
ijosar-1125	171	19	this	this	PRON
ijosar-1125	171	20	is	be	AUX
ijosar-1125	171	21	methodologically	methodologically	ADV
ijosar-1125	171	22	sound	sound	ADJ
ijosar-1125	171	23	according	accord	VERB
ijosar-1125	171	24	to	to	ADP
ijosar-1125	171	25	other	other	ADJ
ijosar-1125	171	26	studies	study	NOUN
ijosar-1125	171	27	that	that	PRON
ijosar-1125	171	28	have	have	AUX
ijosar-1125	171	29	tried	try	VERB
ijosar-1125	171	30	to	to	PART
ijosar-1125	171	31	implement	implement	VERB
ijosar-1125	171	32	similar	similar	ADJ
ijosar-1125	171	33	research.primary	research.primary	ADJ
ijosar-1125	171	34	data	datum	NOUN
ijosar-1125	171	35	was	be	AUX
ijosar-1125	171	36	collected	collect	VERB
ijosar-1125	171	37	using	use	VERB
ijosar-1125	171	38	a	a	DET
ijosar-1125	171	39	questionnaire	questionnaire	NOUN
ijosar-1125	171	40	while	while	SCONJ
ijosar-1125	171	41	secondary	secondary	ADJ
ijosar-1125	171	42	data	datum	NOUN
ijosar-1125	171	43	was	be	AUX
ijosar-1125	171	44	collected	collect	VERB
ijosar-1125	171	45	by	by	ADP
ijosar-1125	171	46	reviewing	review	VERB
ijosar-1125	171	47	relevant	relevant	ADJ
ijosar-1125	171	48	literature	literature	NOUN
ijosar-1125	171	49	.	.	PUNCT
ijosar-1125	172	1	the	the	DET
ijosar-1125	172	2	independent	independent	ADJ
ijosar-1125	172	3	variables	variable	NOUN
ijosar-1125	172	4	(	(	PUNCT
ijosar-1125	172	5	the	the	DET
ijosar-1125	172	6	predictors	predictor	NOUN
ijosar-1125	172	7	)	)	PUNCT
ijosar-1125	172	8	in	in	ADP
ijosar-1125	172	9	this	this	DET
ijosar-1125	172	10	study	study	NOUN
ijosar-1125	172	11	are	be	AUX
ijosar-1125	172	12	the	the	DET
ijosar-1125	172	13	different	different	ADJ
ijosar-1125	172	14	factors	factor	NOUN
ijosar-1125	172	15	which	which	PRON
ijosar-1125	172	16	affect	affect	VERB
ijosar-1125	172	17	the	the	DET
ijosar-1125	172	18	uptake	uptake	NOUN
ijosar-1125	172	19	of	of	ADP
ijosar-1125	172	20	insurance	insurance	NOUN
ijosar-1125	172	21	,	,	PUNCT
ijosar-1125	172	22	and	and	CCONJ
ijosar-1125	172	23	the	the	DET
ijosar-1125	172	24	dependent	dependent	ADJ
ijosar-1125	172	25	variable	variable	NOUN
ijosar-1125	172	26	is	be	AUX
ijosar-1125	172	27	uptake	uptake	ADJ
ijosar-1125	172	28	of	of	ADP
ijosar-1125	172	29	insurance	insurance	NOUN
ijosar-1125	172	30	.	.	PUNCT
ijosar-1125	173	1	the	the	DET
ijosar-1125	173	2	study	study	NOUN
ijosar-1125	173	3	measured	measure	VERB
ijosar-1125	173	4	the	the	DET
ijosar-1125	173	5	each	each	DET
ijosar-1125	173	6	variable	variable	NOUN
ijosar-1125	173	7	through	through	ADP
ijosar-1125	173	8	the	the	DET
ijosar-1125	173	9	questionnaire	questionnaire	NOUN
ijosar-1125	173	10	in	in	ADP
ijosar-1125	173	11	form	form	NOUN
ijosar-1125	173	12	of	of	ADP
ijosar-1125	173	13	likert	likert	NOUN
ijosar-1125	173	14	’s	’s	PART
ijosar-1125	173	15	scale	scale	NOUN
ijosar-1125	173	16	of	of	ADP
ijosar-1125	173	17	5–1	5–1	NUM
ijosar-1125	173	18	in	in	ADP
ijosar-1125	173	19	the	the	DET
ijosar-1125	173	20	manner	manner	NOUN
ijosar-1125	173	21	:	:	PUNCT
ijosar-1125	173	22	5	5	NUM
ijosar-1125	173	23	-	-	PUNCT
ijosar-1125	173	24	strongly	strongly	ADV
ijosar-1125	173	25	agree	agree	ADJ
ijosar-1125	173	26	,	,	PUNCT
ijosar-1125	173	27	4agree	4agree	NUM
ijosar-1125	173	28	,	,	PUNCT
ijosar-1125	173	29	3	3	NUM
ijosar-1125	173	30	-	-	ADJ
ijosar-1125	173	31	neutral	neutral	ADJ
ijosar-1125	173	32	,	,	PUNCT
ijosar-1125	173	33	2	2	NUM
ijosar-1125	173	34	-	-	PUNCT
ijosar-1125	173	35	disagree	disagree	VERB
ijosar-1125	173	36	and	and	CCONJ
ijosar-1125	173	37	1	1	NUM
ijosar-1125	173	38	-	-	PUNCT
ijosar-1125	173	39	strongly	strongly	ADV
ijosar-1125	173	40	disagree	disagree	NOUN
ijosar-1125	173	41	.	.	PUNCT
ijosar-1125	174	1	then	then	ADV
ijosar-1125	174	2	,	,	PUNCT
ijosar-1125	174	3	the	the	DET
ijosar-1125	174	4	study	study	NOUN
ijosar-1125	174	5	adopted	adopt	VERB
ijosar-1125	174	6	the	the	DET
ijosar-1125	174	7	regression	regression	NOUN
ijosar-1125	174	8	model	model	NOUN
ijosar-1125	174	9	in	in	ADP
ijosar-1125	174	10	the	the	DET
ijosar-1125	174	11	analytical	analytical	ADJ
ijosar-1125	174	12	process	process	NOUN
ijosar-1125	174	13	.	.	PUNCT
ijosar-1125	175	1	the	the	DET
ijosar-1125	175	2	model	model	NOUN
ijosar-1125	175	3	was	be	AUX
ijosar-1125	175	4	formulated	formulate	VERB
ijosar-1125	175	5	as	as	SCONJ
ijosar-1125	175	6	follows	follow	VERB
ijosar-1125	175	7	:	:	PUNCT
ijosar-1125	175	8	y=	y=	PROPN
ijosar-1125	175	9	β0	β0	PROPN
ijosar-1125	175	10	+	+	CCONJ
ijosar-1125	175	11	β1x1	β1x1	SYM
ijosar-1125	175	12	+	+	NUM
ijosar-1125	175	13	β2x2	β2x2	ADJ
ijosar-1125	175	14	+	+	NUM
ijosar-1125	175	15	β3x3	β3x3	PUNCT
ijosar-1125	175	16	+	+	NUM
ijosar-1125	176	1	β4x4+e	β4x4+e	X
ijosar-1125	176	2	where	where	SCONJ
ijosar-1125	176	3	:	:	PUNCT
ijosar-1125	176	4	y=	y=	NUM
ijosar-1125	176	5	insurance	insurance	NOUN
ijosar-1125	176	6	uptake	uptake	NOUN
ijosar-1125	176	7	,	,	PUNCT
ijosar-1125	176	8	x1	x1	PROPN
ijosar-1125	176	9	=	=	PUNCT
ijosar-1125	176	10	insurance	insurance	NOUN
ijosar-1125	176	11	knowledge	knowledge	NOUN
ijosar-1125	176	12	,	,	PUNCT
ijosar-1125	176	13	x2	x2	PROPN
ijosar-1125	176	14	=	=	PUNCT
ijosar-1125	176	15	insurance	insurance	NOUN
ijosar-1125	176	16	skills	skill	NOUN
ijosar-1125	176	17	,	,	PUNCT
ijosar-1125	176	18	x3	x3	NOUN
ijosar-1125	176	19	=	=	SYM
ijosar-1125	176	20	insurance	insurance	NOUN
ijosar-1125	176	21	behavior	behavior	NOUN
ijosar-1125	176	22	,	,	PUNCT
ijosar-1125	176	23	x4	x4	PROPN
ijosar-1125	176	24	=	=	NOUN
ijosar-1125	176	25	insurance	insurance	NOUN
ijosar-1125	176	26	accessibility	accessibility	NOUN
ijosar-1125	176	27	,	,	PUNCT
ijosar-1125	176	28	β1	β1	PROPN
ijosar-1125	176	29	–	–	PUNCT
ijosar-1125	176	30	β4	β4	PROPN
ijosar-1125	176	31	=	=	PUNCT
ijosar-1125	176	32	regression	regression	NOUN
ijosar-1125	176	33	coefficients	coefficient	NOUN
ijosar-1125	176	34	and	and	CCONJ
ijosar-1125	176	35	e	e	NOUN
ijosar-1125	176	36	=	=	NOUN
ijosar-1125	176	37	error	error	NOUN
ijosar-1125	176	38	term	term	NOUN
ijosar-1125	176	39	ijo	ijo	PROPN
ijosar-1125	176	40	journals	journal	NOUN
ijosar-1125	176	41	volume	volume	NOUN
ijosar-1125	176	42	08	08	NUM
ijosar-1125	177	1	|	|	ADV
ijosar-1125	177	2	issue	issue	NOUN
ijosar-1125	177	3	08	08	NUM
ijosar-1125	178	1	|	|	ADV
ijosar-1125	178	2	august	august	PROPN
ijosar-1125	178	3	2025	2025	NUM
ijosar-1125	179	1	|	|	ADV
ijosar-1125	179	2	https://ijojournals.com/index.php/ssh/index	https://ijojournals.com/index.php/ssh/index	NOUN
ijosar-1125	179	3	74	74	NUM
ijosar-1125	179	4	ijointernational	ijointernational	ADJ
ijosar-1125	179	5	journal	journal	NOUN
ijosar-1125	179	6	of	of	ADP
ijosar-1125	179	7	social	social	ADJ
ijosar-1125	179	8	science	science	NOUN
ijosar-1125	179	9	and	and	CCONJ
ijosar-1125	179	10	humanities	humanity	NOUN
ijosar-1125	179	11	research	research	NOUN
ijosar-1125	179	12	(	(	PUNCT
ijosar-1125	179	13	issn	issn	PROPN
ijosar-1125	179	14	2811	2811	NUM
ijosar-1125	179	15	-	-	SYM
ijosar-1125	179	16	2466	2466	NUM
ijosar-1125	179	17	)	)	PUNCT
ijosar-1125	179	18	obiora	obiora	PROPN
ijosar-1125	179	19	peters	peters	PROPN
ijosar-1125	179	20	,	,	PUNCT
ijosar-1125	179	21	emeka	emeka	VERB
ijosar-1125	179	22	phd1	phd1	PROPN
ijosar-1125	179	23	*	*	PUNCT
ijosar-1125	179	24	https://ijojournals.com/	https://ijojournals.com/	PROPN
ijosar-1125	179	25	volume	volume	NOUN
ijosar-1125	179	26	08	08	NUM
ijosar-1125	180	1	||	||	PROPN
ijosar-1125	180	2	issue	issue	NOUN
ijosar-1125	180	3	08	08	NUM
ijosar-1125	180	4	||	||	NOUN
ijosar-1125	180	5	august	august	PROPN
ijosar-1125	180	6	,	,	PUNCT
ijosar-1125	180	7	2025	2025	NUM
ijosar-1125	180	8	||	||	PUNCT
ijosar-1125	181	1	“	"	PUNCT
ijosar-1125	181	2	determinants	determinant	NOUN
ijosar-1125	181	3	of	of	ADP
ijosar-1125	181	4	insurance	insurance	NOUN
ijosar-1125	181	5	uptake	uptake	ADJ
ijosar-1125	181	6	in	in	ADP
ijosar-1125	181	7	rwanda	rwanda	PROPN
ijosar-1125	181	8	a	a	DET
ijosar-1125	181	9	case	case	NOUN
ijosar-1125	181	10	study	study	NOUN
ijosar-1125	181	11	of	of	ADP
ijosar-1125	181	12	radiant	radiant	ADJ
ijosar-1125	181	13	insurance	insurance	NOUN
ijosar-1125	181	14	company	company	NOUN
ijosar-1125	181	15	limited	limit	VERB
ijosar-1125	181	16	(	(	PUNCT
ijosar-1125	181	17	2020	2020	NUM
ijosar-1125	181	18	-	-	SYM
ijosar-1125	181	19	2024	2024	NUM
ijosar-1125	181	20	)	)	PUNCT
ijosar-1125	181	21	"	"	PUNCT
ijosar-1125	181	22	4.0	4.0	NUM
ijosar-1125	181	23	results	result	NOUN
ijosar-1125	181	24	and	and	CCONJ
ijosar-1125	181	25	discussion	discussion	NOUN
ijosar-1125	181	26	4.1	4.1	NUM
ijosar-1125	181	27	descriptive	descriptive	ADJ
ijosar-1125	181	28	statistics	statistic	NOUN
ijosar-1125	181	29	:	:	PUNCT
ijosar-1125	181	30	frequency	frequency	NOUN
ijosar-1125	181	31	table	table	NOUN
ijosar-1125	181	32	1	1	NUM
ijosar-1125	181	33	:	:	PUNCT
ijosar-1125	181	34	merged	merge	VERB
ijosar-1125	181	35	respondents	respondent	NOUN
ijosar-1125	181	36	’	'	PUNCT
ijosar-1125	181	37	views	view	NOUN
ijosar-1125	181	38	on	on	ADP
ijosar-1125	181	39	insurance	insurance	NOUN
ijosar-1125	181	40	in	in	ADP
ijosar-1125	181	41	rwanda	rwanda	PROPN
ijosar-1125	181	42	category	category	NOUN
ijosar-1125	181	43	item	item	NOUN
ijosar-1125	181	44	statement	statement	NOUN
ijosar-1125	181	45	mean	mean	VERB
ijosar-1125	182	1	std	std	X
ijosar-1125	182	2	.	.	PUNCT
ijosar-1125	182	3	deviation	deviation	NOUN
ijosar-1125	182	4	perception	perception	NOUN
ijosar-1125	182	5	level	level	NOUN
ijosar-1125	182	6	insurance	insurance	NOUN
ijosar-1125	182	7	knowledge	knowledge	NOUN
ijosar-1125	182	8	grand	grand	ADJ
ijosar-1125	182	9	mean	mean	NOUN
ijosar-1125	182	10	:	:	PUNCT
ijosar-1125	182	11	5.61	5.61	NUM
ijosar-1125	182	12	i	i	PRON
ijosar-1125	182	13	am	be	AUX
ijosar-1125	182	14	aware	aware	ADJ
ijosar-1125	182	15	of	of	ADP
ijosar-1125	182	16	the	the	DET
ijosar-1125	182	17	different	different	ADJ
ijosar-1125	182	18	types	type	NOUN
ijosar-1125	182	19	of	of	ADP
ijosar-1125	182	20	insurance	insurance	NOUN
ijosar-1125	182	21	products	product	NOUN
ijosar-1125	182	22	available	available	ADJ
ijosar-1125	182	23	in	in	ADP
ijosar-1125	182	24	the	the	DET
ijosar-1125	182	25	markets	market	NOUN
ijosar-1125	182	26	5.61	5.61	NUM
ijosar-1125	182	27	0.489	0.489	NUM
ijosar-1125	182	28	high	high	NOUN
ijosar-1125	183	1	i	i	PRON
ijosar-1125	183	2	understand	understand	VERB
ijosar-1125	183	3	the	the	DET
ijosar-1125	183	4	basic	basic	ADJ
ijosar-1125	183	5	principles	principle	NOUN
ijosar-1125	183	6	of	of	ADP
ijosar-1125	183	7	how	how	SCONJ
ijosar-1125	183	8	insurance	insurance	NOUN
ijosar-1125	183	9	works	work	VERB
ijosar-1125	183	10	5.81	5.81	NUM
ijosar-1125	183	11	0.391	0.391	NUM
ijosar-1125	183	12	high	high	ADJ
ijosar-1125	183	13	i	i	PRON
ijosar-1125	183	14	understand	understand	VERB
ijosar-1125	183	15	the	the	DET
ijosar-1125	183	16	process	process	NOUN
ijosar-1125	183	17	of	of	ADP
ijosar-1125	183	18	filling	fill	VERB
ijosar-1125	183	19	an	an	DET
ijosar-1125	183	20	insurance	insurance	NOUN
ijosar-1125	183	21	claim	claim	NOUN
ijosar-1125	183	22	5.79	5.79	NUM
ijosar-1125	183	23	0.406	0.406	NUM
ijosar-1125	183	24	high	high	ADJ
ijosar-1125	183	25	i	i	PRON
ijosar-1125	183	26	am	be	AUX
ijosar-1125	183	27	confident	confident	ADJ
ijosar-1125	183	28	in	in	ADP
ijosar-1125	183	29	my	my	PRON
ijosar-1125	183	30	ability	ability	NOUN
ijosar-1125	183	31	to	to	PART
ijosar-1125	183	32	choose	choose	VERB
ijosar-1125	183	33	the	the	DET
ijosar-1125	183	34	right	right	ADJ
ijosar-1125	183	35	insurance	insurance	NOUN
ijosar-1125	183	36	products	product	NOUN
ijosar-1125	183	37	for	for	ADP
ijosar-1125	183	38	my	my	PRON
ijosar-1125	183	39	needs	need	NOUN
ijosar-1125	183	40	5.75	5.75	NUM
ijosar-1125	183	41	0.436	0.436	NUM
ijosar-1125	183	42	high	high	ADJ
ijosar-1125	184	1	i	i	PRON
ijosar-1125	184	2	understand	understand	VERB
ijosar-1125	184	3	common	common	ADJ
ijosar-1125	184	4	terms	term	NOUN
ijosar-1125	184	5	in	in	ADP
ijosar-1125	184	6	insurance	insurance	NOUN
ijosar-1125	184	7	5.73	5.73	NUM
ijosar-1125	184	8	0.462	0.462	NUM
ijosar-1125	184	9	high	high	ADJ
ijosar-1125	184	10	i	i	PRON
ijosar-1125	184	11	can	can	AUX
ijosar-1125	184	12	easily	easily	ADV
ijosar-1125	184	13	make	make	VERB
ijosar-1125	184	14	decisions	decision	NOUN
ijosar-1125	184	15	on	on	ADP
ijosar-1125	184	16	insurance	insurance	NOUN
ijosar-1125	184	17	products	product	NOUN
ijosar-1125	184	18	5.72	5.72	NUM
ijosar-1125	184	19	0.465	0.465	NUM
ijosar-1125	184	20	high	high	ADJ
ijosar-1125	184	21	i	i	PRON
ijosar-1125	184	22	always	always	ADV
ijosar-1125	184	23	easily	easily	ADV
ijosar-1125	184	24	put	put	VERB
ijosar-1125	184	25	money	money	NOUN
ijosar-1125	184	26	aside	aside	ADV
ijosar-1125	184	27	to	to	PART
ijosar-1125	184	28	pay	pay	VERB
ijosar-1125	184	29	for	for	ADP
ijosar-1125	184	30	insurance	insurance	NOUN
ijosar-1125	184	31	5.56	5.56	NUM
ijosar-1125	184	32	0.511	0.511	NUM
ijosar-1125	184	33	low	low	ADJ
ijosar-1125	184	34	insurance	insurance	NOUN
ijosar-1125	184	35	skills	skill	NOUN
ijosar-1125	184	36	grand	grand	ADJ
ijosar-1125	184	37	mean	mean	NOUN
ijosar-1125	184	38	:	:	PUNCT
ijosar-1125	184	39	5.69	5.69	NUM
ijosar-1125	184	40	i	i	PRON
ijosar-1125	184	41	know	know	VERB
ijosar-1125	184	42	how	how	SCONJ
ijosar-1125	184	43	to	to	PART
ijosar-1125	184	44	select	select	VERB
ijosar-1125	184	45	better	well	ADJ
ijosar-1125	184	46	insurance	insurance	NOUN
ijosar-1125	184	47	products	product	NOUN
ijosar-1125	184	48	5.72	5.72	NUM
ijosar-1125	184	49	0.451	0.451	NUM
ijosar-1125	184	50	high	high	ADJ
ijosar-1125	185	1	i	i	PRON
ijosar-1125	185	2	know	know	VERB
ijosar-1125	185	3	how	how	SCONJ
ijosar-1125	185	4	to	to	PART
ijosar-1125	185	5	evaluate	evaluate	VERB
ijosar-1125	185	6	the	the	DET
ijosar-1125	185	7	terms	term	NOUN
ijosar-1125	185	8	and	and	CCONJ
ijosar-1125	185	9	conditions	condition	NOUN
ijosar-1125	185	10	of	of	ADP
ijosar-1125	185	11	an	an	DET
ijosar-1125	185	12	insurance	insurance	NOUN
ijosar-1125	185	13	policy	policy	NOUN
ijosar-1125	185	14	5.73	5.73	NUM
ijosar-1125	185	15	0.459	0.459	NUM
ijosar-1125	185	16	high	high	ADJ
ijosar-1125	185	17	i	i	PRON
ijosar-1125	185	18	am	be	AUX
ijosar-1125	185	19	skilled	skilled	ADJ
ijosar-1125	185	20	in	in	ADP
ijosar-1125	185	21	understanding	understanding	NOUN
ijosar-1125	185	22	and	and	CCONJ
ijosar-1125	185	23	assessing	assess	VERB
ijosar-1125	185	24	the	the	DET
ijosar-1125	185	25	risks	risk	NOUN
ijosar-1125	185	26	that	that	PRON
ijosar-1125	185	27	need	need	VERB
ijosar-1125	185	28	insurance	insurance	NOUN
ijosar-1125	185	29	coverage	coverage	NOUN
ijosar-1125	185	30	5.72	5.72	NUM
ijosar-1125	185	31	0.451	0.451	NUM
ijosar-1125	185	32	high	high	ADJ
ijosar-1125	185	33	i	i	PRON
ijosar-1125	185	34	am	be	AUX
ijosar-1125	185	35	capable	capable	ADJ
ijosar-1125	185	36	of	of	ADP
ijosar-1125	185	37	calculating	calculate	VERB
ijosar-1125	185	38	the	the	DET
ijosar-1125	185	39	premiums	premium	NOUN
ijosar-1125	185	40	and	and	CCONJ
ijosar-1125	185	41	coverage	coverage	NOUN
ijosar-1125	185	42	for	for	ADP
ijosar-1125	185	43	various	various	ADJ
ijosar-1125	185	44	insurance	insurance	NOUN
ijosar-1125	185	45	options	option	NOUN
ijosar-1125	185	46	5.65	5.65	NUM
ijosar-1125	185	47	0.507	0.507	NUM
ijosar-1125	185	48	low	low	ADJ
ijosar-1125	185	49	i	i	PRON
ijosar-1125	185	50	can	can	AUX
ijosar-1125	185	51	easily	easily	ADV
ijosar-1125	185	52	compute	compute	VERB
ijosar-1125	185	53	the	the	DET
ijosar-1125	185	54	insurance	insurance	NOUN
ijosar-1125	185	55	premium	premium	NOUN
ijosar-1125	185	56	5.65	5.65	NUM
ijosar-1125	185	57	0.518	0.518	NUM
ijosar-1125	185	58	low	low	ADJ
ijosar-1125	186	1	i	i	PRON
ijosar-1125	186	2	know	know	VERB
ijosar-1125	186	3	the	the	DET
ijosar-1125	186	4	value	value	NOUN
ijosar-1125	186	5	of	of	ADP
ijosar-1125	186	6	my	my	PRON
ijosar-1125	186	7	insurance	insurance	NOUN
ijosar-1125	186	8	benefits	benefit	VERB
ijosar-1125	186	9	5.68	5.68	NUM
ijosar-1125	186	10	0.482	0.482	NUM
ijosar-1125	186	11	low	low	ADJ
ijosar-1125	186	12	insurance	insurance	NOUN
ijosar-1125	186	13	behavior	behavior	NOUN
ijosar-1125	186	14	grand	grand	ADJ
ijosar-1125	186	15	mean	mean	NOUN
ijosar-1125	186	16	:	:	PUNCT
ijosar-1125	186	17	5.75	5.75	NUM
ijosar-1125	186	18	i	i	PRON
ijosar-1125	186	19	regularly	regularly	ADV
ijosar-1125	186	20	review	review	VERB
ijosar-1125	186	21	&	&	CCONJ
ijosar-1125	186	22	update	update	VERB
ijosar-1125	186	23	my	my	PRON
ijosar-1125	186	24	insurance	insurance	NOUN
ijosar-1125	186	25	policies	policy	NOUN
ijosar-1125	186	26	5.71	5.71	NUM
ijosar-1125	186	27	0.454	0.454	NUM
ijosar-1125	186	28	low	low	ADJ
ijosar-1125	186	29	i	i	PRON
ijosar-1125	186	30	would	would	AUX
ijosar-1125	186	31	recommend	recommend	VERB
ijosar-1125	186	32	having	have	VERB
ijosar-1125	186	33	insurance	insurance	NOUN
ijosar-1125	186	34	to	to	ADP
ijosar-1125	186	35	my	my	PRON
ijosar-1125	186	36	friends	friend	NOUN
ijosar-1125	186	37	and	and	CCONJ
ijosar-1125	186	38	family	family	NOUN
ijosar-1125	186	39	5.75	5.75	NUM
ijosar-1125	186	40	0.436	0.436	NUM
ijosar-1125	186	41	high	high	ADJ
ijosar-1125	187	1	i	i	PRON
ijosar-1125	187	2	always	always	ADV
ijosar-1125	187	3	pay	pay	VERB
ijosar-1125	187	4	for	for	ADP
ijosar-1125	187	5	insurance	insurance	NOUN
ijosar-1125	187	6	5.81	5.81	NUM
ijosar-1125	187	7	0.413	0.413	NUM
ijosar-1125	187	8	high	high	ADJ
ijosar-1125	187	9	i	i	PRON
ijosar-1125	187	10	am	be	AUX
ijosar-1125	187	11	satisfied	satisfied	ADJ
ijosar-1125	187	12	with	with	ADP
ijosar-1125	187	13	the	the	DET
ijosar-1125	187	14	insurance	insurance	NOUN
ijosar-1125	187	15	services	service	NOUN
ijosar-1125	187	16	5.78	5.78	NUM
ijosar-1125	187	17	0.447	0.447	NUM
ijosar-1125	187	18	high	high	ADJ
ijosar-1125	188	1	i	i	PRON
ijosar-1125	188	2	always	always	ADV
ijosar-1125	188	3	pay	pay	VERB
ijosar-1125	188	4	insurance	insurance	NOUN
ijosar-1125	188	5	premium	premium	NOUN
ijosar-1125	188	6	5.75	5.75	NUM
ijosar-1125	188	7	0.451	0.451	NUM
ijosar-1125	188	8	high	high	ADJ
ijosar-1125	188	9	i	i	PRON
ijosar-1125	188	10	always	always	ADV
ijosar-1125	188	11	save	save	VERB
ijosar-1125	188	12	with	with	ADP
ijosar-1125	188	13	insurance	insurance	NOUN
ijosar-1125	188	14	5.70	5.70	NUM
ijosar-1125	188	15	0.515	0.515	NUM
ijosar-1125	188	16	low	low	ADJ
ijosar-1125	188	17	i	i	PRON
ijosar-1125	188	18	am	be	AUX
ijosar-1125	188	19	always	always	ADV
ijosar-1125	188	20	interested	interested	ADJ
ijosar-1125	188	21	in	in	ADP
ijosar-1125	188	22	issues	issue	NOUN
ijosar-1125	188	23	of	of	ADP
ijosar-1125	188	24	insurance	insurance	NOUN
ijosar-1125	188	25	5.78	5.78	NUM
ijosar-1125	188	26	0.431	0.431	NUM
ijosar-1125	188	27	high	high	ADJ
ijosar-1125	189	1	i	i	PRON
ijosar-1125	189	2	believe	believe	VERB
ijosar-1125	189	3	that	that	SCONJ
ijosar-1125	189	4	having	have	VERB
ijosar-1125	189	5	insurance	insurance	NOUN
ijosar-1125	189	6	is	be	AUX
ijosar-1125	189	7	essential	essential	ADJ
ijosar-1125	189	8	for	for	ADP
ijosar-1125	189	9	financial	financial	ADJ
ijosar-1125	189	10	security	security	NOUN
ijosar-1125	189	11	5.75	5.75	NUM
ijosar-1125	189	12	0.433	0.433	NUM
ijosar-1125	189	13	high	high	ADJ
ijosar-1125	190	1	i	i	PRON
ijosar-1125	190	2	feel	feel	VERB
ijosar-1125	190	3	confident	confident	ADJ
ijosar-1125	190	4	in	in	ADP
ijosar-1125	190	5	my	my	PRON
ijosar-1125	190	6	decisions	decision	NOUN
ijosar-1125	190	7	regarding	regard	VERB
ijosar-1125	190	8	insurance	insurance	NOUN
ijosar-1125	190	9	purchases	purchase	NOUN
ijosar-1125	190	10	5.72	5.72	NUM
ijosar-1125	190	11	0.507	0.507	NUM
ijosar-1125	190	12	low	low	ADJ
ijosar-1125	190	13	investing	investing	NOUN
ijosar-1125	190	14	in	in	ADP
ijosar-1125	190	15	insurance	insurance	NOUN
ijosar-1125	190	16	is	be	AUX
ijosar-1125	190	17	a	a	DET
ijosar-1125	190	18	wise	wise	ADJ
ijosar-1125	190	19	financial	financial	ADJ
ijosar-1125	190	20	decision	decision	NOUN
ijosar-1125	190	21	5.69	5.69	NUM
ijosar-1125	190	22	0.477	0.477	NUM
ijosar-1125	190	23	low	low	ADJ
ijosar-1125	190	24	i	i	PRON
ijosar-1125	190	25	’m	’m	VERB
ijosar-1125	190	26	always	always	ADV
ijosar-1125	190	27	interested	interested	ADJ
ijosar-1125	190	28	in	in	ADP
ijosar-1125	190	29	the	the	DET
ijosar-1125	190	30	other	other	ADJ
ijosar-1125	190	31	insurance	insurance	NOUN
ijosar-1125	190	32	products	product	NOUN
ijosar-1125	190	33	5.63	5.63	NUM
ijosar-1125	190	34	0.499	0.499	NUM
ijosar-1125	190	35	low	low	ADJ
ijosar-1125	190	36	insurance	insurance	NOUN
ijosar-1125	190	37	accessibility	accessibility	NOUN
ijosar-1125	190	38	grand	grand	ADJ
ijosar-1125	190	39	mean:5.75	mean:5.75	PROPN
ijosar-1125	190	40	the	the	DET
ijosar-1125	190	41	process	process	NOUN
ijosar-1125	190	42	of	of	ADP
ijosar-1125	190	43	obtaining	obtain	VERB
ijosar-1125	190	44	insurance	insurance	NOUN
ijosar-1125	190	45	from	from	ADP
ijosar-1125	190	46	radiant	radiant	ADJ
ijosar-1125	190	47	insurance	insurance	NOUN
ijosar-1125	190	48	company	company	NOUN
ijosar-1125	190	49	is	be	AUX
ijosar-1125	190	50	straightforward	straightforward	ADJ
ijosar-1125	190	51	5.67	5.67	NUM
ijosar-1125	190	52	0.757	0.757	NUM
ijosar-1125	190	53	low	low	ADJ
ijosar-1125	190	54	insurance	insurance	NOUN
ijosar-1125	190	55	products	product	NOUN
ijosar-1125	190	56	are	be	AUX
ijosar-1125	190	57	easily	easily	ADV
ijosar-1125	190	58	accessible	accessible	ADJ
ijosar-1125	190	59	to	to	ADP
ijosar-1125	190	60	people	people	NOUN
ijosar-1125	190	61	in	in	ADP
ijosar-1125	190	62	many	many	ADJ
ijosar-1125	190	63	areas	area	NOUN
ijosar-1125	190	64	5.75	5.75	NUM
ijosar-1125	190	65	0.753	0.753	NUM
ijosar-1125	190	66	high	high	ADJ
ijosar-1125	191	1	it	it	PRON
ijosar-1125	191	2	is	be	AUX
ijosar-1125	191	3	easy	easy	ADJ
ijosar-1125	191	4	to	to	PART
ijosar-1125	191	5	access	access	VERB
ijosar-1125	191	6	information	information	NOUN
ijosar-1125	191	7	about	about	ADP
ijosar-1125	191	8	radiant	radiant	ADJ
ijosar-1125	191	9	insurance	insurance	NOUN
ijosar-1125	191	10	company	company	NOUN
ijosar-1125	191	11	’s	’s	PART
ijosar-1125	191	12	products	product	NOUN
ijosar-1125	191	13	5.72	5.72	NUM
ijosar-1125	191	14	0.545	0.545	NUM
ijosar-1125	191	15	low	low	ADJ
ijosar-1125	191	16	radiant	radiant	ADJ
ijosar-1125	191	17	insurance	insurance	NOUN
ijosar-1125	191	18	company	company	NOUN
ijosar-1125	191	19	has	have	VERB
ijosar-1125	191	20	sufficient	sufficient	ADJ
ijosar-1125	191	21	branch	branch	NOUN
ijosar-1125	191	22	locations	location	NOUN
ijosar-1125	191	23	5.73	5.73	NUM
ijosar-1125	191	24	0.527	0.527	NUM
ijosar-1125	191	25	low	low	ADV
ijosar-1125	191	26	the	the	DET
ijosar-1125	191	27	insurance	insurance	NOUN
ijosar-1125	191	28	services	service	NOUN
ijosar-1125	191	29	are	be	AUX
ijosar-1125	191	30	user	user	NOUN
ijosar-1125	191	31	-	-	PUNCT
ijosar-1125	191	32	friendly	friendly	ADJ
ijosar-1125	191	33	5.65	5.65	NUM
ijosar-1125	191	34	0.555	0.555	NUM
ijosar-1125	191	35	low	low	ADJ
ijosar-1125	191	36	ijo	ijo	PROPN
ijosar-1125	191	37	journals	journal	NOUN
ijosar-1125	191	38	volume	volume	NOUN
ijosar-1125	191	39	08	08	NUM
ijosar-1125	192	1	|	|	ADV
ijosar-1125	192	2	issue	issue	NOUN
ijosar-1125	192	3	08	08	NUM
ijosar-1125	193	1	|	|	ADV
ijosar-1125	193	2	august	august	PROPN
ijosar-1125	193	3	2025	2025	NUM
ijosar-1125	193	4	|	|	ADV
ijosar-1125	193	5	https://ijojournals.com/index.php/ssh/index	https://ijojournals.com/index.php/ssh/index	NOUN
ijosar-1125	193	6	75	75	NUM
ijosar-1125	193	7	ijointernational	ijointernational	ADJ
ijosar-1125	193	8	journal	journal	NOUN
ijosar-1125	193	9	of	of	ADP
ijosar-1125	193	10	social	social	ADJ
ijosar-1125	193	11	science	science	NOUN
ijosar-1125	193	12	and	and	CCONJ
ijosar-1125	193	13	humanities	humanity	NOUN
ijosar-1125	193	14	research	research	NOUN
ijosar-1125	193	15	(	(	PUNCT
ijosar-1125	193	16	issn	issn	PROPN
ijosar-1125	193	17	2811	2811	NUM
ijosar-1125	193	18	-	-	SYM
ijosar-1125	193	19	2466	2466	NUM
ijosar-1125	193	20	)	)	PUNCT
ijosar-1125	193	21	obiora	obiora	PROPN
ijosar-1125	193	22	peters	peters	PROPN
ijosar-1125	193	23	,	,	PUNCT
ijosar-1125	193	24	emeka	emeka	VERB
ijosar-1125	193	25	phd1	phd1	PROPN
ijosar-1125	193	26	*	*	PUNCT
ijosar-1125	193	27	https://ijojournals.com/	https://ijojournals.com/	PROPN
ijosar-1125	193	28	volume	volume	NOUN
ijosar-1125	193	29	08	08	NUM
ijosar-1125	194	1	||	||	PROPN
ijosar-1125	194	2	issue	issue	NOUN
ijosar-1125	194	3	08	08	NUM
ijosar-1125	194	4	||	||	NOUN
ijosar-1125	194	5	august	august	PROPN
ijosar-1125	194	6	,	,	PUNCT
ijosar-1125	194	7	2025	2025	NUM
ijosar-1125	194	8	||	||	PUNCT
ijosar-1125	195	1	“	"	PUNCT
ijosar-1125	195	2	determinants	determinant	NOUN
ijosar-1125	195	3	of	of	ADP
ijosar-1125	195	4	insurance	insurance	NOUN
ijosar-1125	195	5	uptake	uptake	ADJ
ijosar-1125	195	6	in	in	ADP
ijosar-1125	195	7	rwanda	rwanda	PROPN
ijosar-1125	195	8	a	a	DET
ijosar-1125	195	9	case	case	NOUN
ijosar-1125	195	10	study	study	NOUN
ijosar-1125	195	11	of	of	ADP
ijosar-1125	195	12	radiant	radiant	ADJ
ijosar-1125	195	13	insurance	insurance	NOUN
ijosar-1125	195	14	company	company	NOUN
ijosar-1125	195	15	limited	limit	VERB
ijosar-1125	195	16	(	(	PUNCT
ijosar-1125	195	17	2020	2020	NUM
ijosar-1125	195	18	-	-	SYM
ijosar-1125	195	19	2024	2024	NUM
ijosar-1125	195	20	)	)	PUNCT
ijosar-1125	195	21	"	"	PUNCT
ijosar-1125	195	22	authors	author	NOUN
ijosar-1125	195	23	computation	computation	VERB
ijosar-1125	195	24	2025	2025	NUM
ijosar-1125	195	25	the	the	DET
ijosar-1125	195	26	table	table	NOUN
ijosar-1125	195	27	of	of	ADP
ijosar-1125	195	28	frequency	frequency	NOUN
ijosar-1125	195	29	depicts	depict	VERB
ijosar-1125	195	30	the	the	DET
ijosar-1125	195	31	level	level	NOUN
ijosar-1125	195	32	of	of	ADP
ijosar-1125	195	33	perception	perception	NOUN
ijosar-1125	195	34	by	by	ADP
ijosar-1125	195	35	respondents	respondent	NOUN
ijosar-1125	195	36	on	on	ADP
ijosar-1125	195	37	the	the	DET
ijosar-1125	195	38	questions	question	NOUN
ijosar-1125	195	39	posed	pose	VERB
ijosar-1125	195	40	.	.	PUNCT
ijosar-1125	196	1	the	the	DET
ijosar-1125	196	2	perceptions	perception	NOUN
ijosar-1125	196	3	are	be	AUX
ijosar-1125	196	4	low	low	ADJ
ijosar-1125	196	5	or	or	CCONJ
ijosar-1125	196	6	high	high	ADJ
ijosar-1125	196	7	.	.	PUNCT
ijosar-1125	197	1	for	for	ADP
ijosar-1125	197	2	each	each	PRON
ijosar-1125	197	3	of	of	ADP
ijosar-1125	197	4	the	the	DET
ijosar-1125	197	5	construct	construct	NOUN
ijosar-1125	197	6	,	,	PUNCT
ijosar-1125	197	7	the	the	DET
ijosar-1125	197	8	cumulative	cumulative	ADJ
ijosar-1125	197	9	response	response	NOUN
ijosar-1125	197	10	score	score	NOUN
ijosar-1125	197	11	with	with	ADP
ijosar-1125	197	12	low	low	ADJ
ijosar-1125	197	13	suggests	suggest	NOUN
ijosar-1125	197	14	that	that	SCONJ
ijosar-1125	197	15	it	it	PRON
ijosar-1125	197	16	fall	fall	VERB
ijosar-1125	197	17	below	below	ADP
ijosar-1125	197	18	the	the	DET
ijosar-1125	197	19	mean	mean	NOUN
ijosar-1125	197	20	of	of	ADP
ijosar-1125	197	21	the	the	DET
ijosar-1125	197	22	construct	construct	NOUN
ijosar-1125	197	23	as	as	SCONJ
ijosar-1125	197	24	opposed	oppose	VERB
ijosar-1125	197	25	to	to	ADP
ijosar-1125	197	26	high	high	ADJ
ijosar-1125	197	27	.	.	PUNCT
ijosar-1125	198	1	4.1	4.1	NUM
ijosar-1125	198	2	descriptive	descriptive	ADJ
ijosar-1125	198	3	statistics	statistic	NOUN
ijosar-1125	198	4	table	table	NOUN
ijosar-1125	198	5	2	2	NUM
ijosar-1125	198	6	:	:	PUNCT
ijosar-1125	198	7	barriers	barrier	NOUN
ijosar-1125	198	8	to	to	AUX
ijosar-1125	198	9	insurance	insurance	VERB
ijosar-1125	198	10	uptake	uptake	ADJ
ijosar-1125	198	11	barrier	barrier	NOUN
ijosar-1125	198	12	statement	statement	NOUN
ijosar-1125	198	13	mean	mean	VERB
ijosar-1125	198	14	std	std	X
ijosar-1125	198	15	.	.	PROPN
ijosar-1125	198	16	dev	dev	PROPN
ijosar-1125	198	17	.	.	PUNCT
ijosar-1125	199	1	the	the	DET
ijosar-1125	199	2	cost	cost	NOUN
ijosar-1125	199	3	of	of	ADP
ijosar-1125	199	4	insurance	insurance	NOUN
ijosar-1125	199	5	premiums	premium	NOUN
ijosar-1125	199	6	is	be	AUX
ijosar-1125	199	7	high	high	ADJ
ijosar-1125	199	8	for	for	ADP
ijosar-1125	199	9	me	i	PRON
ijosar-1125	199	10	2.29	2.29	NUM
ijosar-1125	199	11	1.358	1.358	NUM
ijosar-1125	199	12	the	the	DET
ijosar-1125	199	13	benefits	benefit	NOUN
ijosar-1125	199	14	of	of	ADP
ijosar-1125	199	15	insurance	insurance	NOUN
ijosar-1125	199	16	do	do	AUX
ijosar-1125	199	17	not	not	PART
ijosar-1125	199	18	justify	justify	VERB
ijosar-1125	199	19	its	its	PRON
ijosar-1125	199	20	cost	cost	NOUN
ijosar-1125	199	21	1.75	1.75	NUM
ijosar-1125	199	22	1.024	1.024	NUM
ijosar-1125	199	23	the	the	DET
ijosar-1125	199	24	process	process	NOUN
ijosar-1125	199	25	of	of	ADP
ijosar-1125	199	26	acquiring	acquire	VERB
ijosar-1125	199	27	insurance	insurance	NOUN
ijosar-1125	199	28	takes	take	VERB
ijosar-1125	199	29	too	too	ADV
ijosar-1125	199	30	much	much	ADJ
ijosar-1125	199	31	time	time	NOUN
ijosar-1125	199	32	1.52	1.52	NUM
ijosar-1125	199	33	0.925	0.925	NUM
ijosar-1125	199	34	renewing	renew	VERB
ijosar-1125	199	35	my	my	PRON
ijosar-1125	199	36	insurance	insurance	NOUN
ijosar-1125	199	37	policy	policy	NOUN
ijosar-1125	199	38	is	be	AUX
ijosar-1125	199	39	timeconsuming	timeconsume	VERB
ijosar-1125	199	40	1.41	1.41	NUM
ijosar-1125	199	41	0.837	0.837	NUM
ijosar-1125	199	42	insurance	insurance	NOUN
ijosar-1125	199	43	service	service	NOUN
ijosar-1125	199	44	providers	provider	NOUN
ijosar-1125	199	45	are	be	AUX
ijosar-1125	199	46	located	locate	VERB
ijosar-1125	199	47	far	far	ADV
ijosar-1125	199	48	from	from	ADP
ijosar-1125	199	49	my	my	PRON
ijosar-1125	199	50	residence	residence	NOUN
ijosar-1125	199	51	1.47	1.47	NUM
ijosar-1125	199	52	0.917	0.917	NUM
ijosar-1125	199	53	there	there	PRON
ijosar-1125	199	54	are	be	VERB
ijosar-1125	199	55	no	no	DET
ijosar-1125	199	56	convenient	convenient	ADJ
ijosar-1125	199	57	insurance	insurance	NOUN
ijosar-1125	199	58	service	service	NOUN
ijosar-1125	199	59	locations	location	NOUN
ijosar-1125	199	60	near	near	ADP
ijosar-1125	199	61	me	i	PRON
ijosar-1125	199	62	1.50	1.50	NUM
ijosar-1125	199	63	0.918	0.918	NUM
ijosar-1125	199	64	my	my	PRON
ijosar-1125	199	65	religious	religious	ADJ
ijosar-1125	199	66	beliefs	belief	NOUN
ijosar-1125	199	67	discourage	discourage	VERB
ijosar-1125	199	68	me	i	PRON
ijosar-1125	199	69	from	from	ADP
ijosar-1125	199	70	taking	take	VERB
ijosar-1125	199	71	insurance	insurance	NOUN
ijosar-1125	199	72	1.36	1.36	NUM
ijosar-1125	199	73	0.922	0.922	NUM
ijosar-1125	199	74	the	the	DET
ijosar-1125	199	75	insurance	insurance	NOUN
ijosar-1125	199	76	policies	policy	NOUN
ijosar-1125	199	77	are	be	AUX
ijosar-1125	199	78	stringent	stringent	ADJ
ijosar-1125	199	79	1.45	1.45	NUM
ijosar-1125	199	80	0.945	0.945	NUM
ijosar-1125	199	81	cultural	cultural	ADJ
ijosar-1125	199	82	norms	norm	NOUN
ijosar-1125	199	83	in	in	ADP
ijosar-1125	199	84	my	my	PRON
ijosar-1125	199	85	community	community	NOUN
ijosar-1125	199	86	discourage	discourage	VERB
ijosar-1125	199	87	the	the	DET
ijosar-1125	199	88	uptake	uptake	NOUN
ijosar-1125	199	89	of	of	ADP
ijosar-1125	199	90	insurance	insurance	NOUN
ijosar-1125	199	91	1.43	1.43	NUM
ijosar-1125	199	92	1.006	1.006	NUM
ijosar-1125	199	93	insurance	insurance	NOUN
ijosar-1125	199	94	is	be	AUX
ijosar-1125	199	95	not	not	PART
ijosar-1125	199	96	considered	consider	VERB
ijosar-1125	199	97	important	important	ADJ
ijosar-1125	199	98	in	in	ADP
ijosar-1125	199	99	my	my	PRON
ijosar-1125	199	100	cultural	cultural	ADJ
ijosar-1125	199	101	background	background	NOUN
ijosar-1125	199	102	1.25	1.25	NUM
ijosar-1125	199	103	0.914	0.914	NUM
ijosar-1125	200	1	i	i	PRON
ijosar-1125	200	2	do	do	AUX
ijosar-1125	200	3	not	not	PART
ijosar-1125	200	4	trust	trust	VERB
ijosar-1125	200	5	insurance	insurance	NOUN
ijosar-1125	200	6	companies	company	NOUN
ijosar-1125	200	7	to	to	PART
ijosar-1125	200	8	fulfill	fulfill	VERB
ijosar-1125	200	9	their	their	PRON
ijosar-1125	200	10	promises	promise	NOUN
ijosar-1125	200	11	1.39	1.39	NUM
ijosar-1125	200	12	0.940	0.940	NUM
ijosar-1125	200	13	i	i	PRON
ijosar-1125	200	14	would	would	AUX
ijosar-1125	200	15	consider	consider	VERB
ijosar-1125	200	16	insurance	insurance	NOUN
ijosar-1125	200	17	if	if	SCONJ
ijosar-1125	200	18	the	the	DET
ijosar-1125	200	19	process	process	NOUN
ijosar-1125	200	20	were	be	AUX
ijosar-1125	200	21	quicker	quick	ADJ
ijosar-1125	200	22	1.39	1.39	NUM
ijosar-1125	200	23	0.933	0.933	NUM
ijosar-1125	200	24	i	i	PRON
ijosar-1125	200	25	’m	’m	NOUN
ijosar-1125	200	26	always	always	ADV
ijosar-1125	200	27	discouraged	discourage	VERB
ijosar-1125	200	28	by	by	ADP
ijosar-1125	200	29	friends	friend	NOUN
ijosar-1125	200	30	from	from	ADP
ijosar-1125	200	31	using	use	VERB
ijosar-1125	200	32	insurance	insurance	NOUN
ijosar-1125	200	33	1.33	1.33	NUM
ijosar-1125	200	34	0.917	0.917	NUM
ijosar-1125	200	35	the	the	DET
ijosar-1125	200	36	insurance	insurance	NOUN
ijosar-1125	200	37	company	company	NOUN
ijosar-1125	200	38	does	do	AUX
ijosar-1125	200	39	not	not	PART
ijosar-1125	200	40	give	give	VERB
ijosar-1125	200	41	me	i	PRON
ijosar-1125	200	42	enough	enough	ADJ
ijosar-1125	200	43	knowledge	knowledge	NOUN
ijosar-1125	200	44	about	about	ADP
ijosar-1125	200	45	products	product	NOUN
ijosar-1125	200	46	on	on	ADP
ijosar-1125	200	47	offer	offer	NOUN
ijosar-1125	200	48	1.33	1.33	NUM
ijosar-1125	200	49	0.857	0.857	NUM
ijosar-1125	200	50	the	the	DET
ijosar-1125	200	51	geographical	geographical	ADJ
ijosar-1125	200	52	location	location	NOUN
ijosar-1125	200	53	of	of	ADP
ijosar-1125	200	54	insurance	insurance	NOUN
ijosar-1125	200	55	providers	provider	NOUN
ijosar-1125	200	56	affects	affect	VERB
ijosar-1125	200	57	my	my	PRON
ijosar-1125	200	58	decision	decision	NOUN
ijosar-1125	200	59	1.43	1.43	NUM
ijosar-1125	200	60	0.907	0.907	NUM
ijosar-1125	200	61	mean	mean	NOUN
ijosar-1125	200	62	1.48	1.48	NUM
ijosar-1125	200	63	authors	author	NOUN
ijosar-1125	200	64	computation	computation	VERB
ijosar-1125	200	65	2025	2025	NUM
ijosar-1125	200	66	the	the	DET
ijosar-1125	200	67	grand	grand	ADJ
ijosar-1125	200	68	mean	mean	NOUN
ijosar-1125	200	69	is	be	AUX
ijosar-1125	200	70	1.48	1.48	NUM
ijosar-1125	200	71	,	,	PUNCT
ijosar-1125	200	72	suggesting	suggest	VERB
ijosar-1125	200	73	that	that	SCONJ
ijosar-1125	200	74	items	item	NOUN
ijosar-1125	200	75	above	above	ADP
ijosar-1125	200	76	1.48	1.48	NUM
ijosar-1125	200	77	are	be	AUX
ijosar-1125	200	78	relatively	relatively	ADV
ijosar-1125	200	79	more	more	ADV
ijosar-1125	200	80	significant	significant	ADJ
ijosar-1125	200	81	barriers	barrier	NOUN
ijosar-1125	200	82	compared	compare	VERB
ijosar-1125	200	83	to	to	ADP
ijosar-1125	200	84	the	the	DET
ijosar-1125	200	85	overall	overall	ADJ
ijosar-1125	200	86	average	average	NOUN
ijosar-1125	200	87	;	;	PUNCT
ijosar-1125	200	88	lean	lean	ADJ
ijosar-1125	200	89	towards	towards	ADP
ijosar-1125	200	90	agreeing	agree	VERB
ijosar-1125	200	91	that	that	SCONJ
ijosar-1125	200	92	these	these	DET
ijosar-1125	200	93	factors	factor	NOUN
ijosar-1125	200	94	discourage	discourage	VERB
ijosar-1125	200	95	them	they	PRON
ijosar-1125	200	96	from	from	ADP
ijosar-1125	200	97	insurance	insurance	NOUN
ijosar-1125	200	98	uptake	uptake	NOUN
ijosar-1125	200	99	.	.	PUNCT
ijosar-1125	201	1	however	however	ADV
ijosar-1125	201	2	,	,	PUNCT
ijosar-1125	201	3	those	those	PRON
ijosar-1125	201	4	blow	blow	VERB
ijosar-1125	201	5	the	the	DET
ijosar-1125	201	6	average	average	NOUN
ijosar-1125	201	7	are	be	AUX
ijosar-1125	201	8	less	less	ADV
ijosar-1125	201	9	perceived	perceive	VERB
ijosar-1125	201	10	as	as	ADP
ijosar-1125	201	11	barriers	barrier	NOUN
ijosar-1125	201	12	,	,	PUNCT
ijosar-1125	201	13	not	not	PART
ijosar-1125	201	14	significant	significant	ADJ
ijosar-1125	201	15	obstacles	obstacle	NOUN
ijosar-1125	201	16	and	and	CCONJ
ijosar-1125	201	17	respondents	respondent	NOUN
ijosar-1125	201	18	strongly	strongly	ADV
ijosar-1125	201	19	disagree	disagree	VERB
ijosar-1125	201	20	that	that	SCONJ
ijosar-1125	201	21	these	these	DET
ijosar-1125	201	22	issues	issue	NOUN
ijosar-1125	201	23	are	be	AUX
ijosar-1125	201	24	reasons	reason	NOUN
ijosar-1125	201	25	for	for	ADP
ijosar-1125	201	26	not	not	PART
ijosar-1125	201	27	taking	take	VERB
ijosar-1125	201	28	insurance	insurance	NOUN
ijosar-1125	201	29	.	.	PUNCT
ijosar-1125	202	1	ijo	ijo	PROPN
ijosar-1125	202	2	journals	journal	NOUN
ijosar-1125	202	3	volume	volume	NOUN
ijosar-1125	202	4	08	08	NUM
ijosar-1125	203	1	|	|	ADV
ijosar-1125	203	2	issue	issue	NOUN
ijosar-1125	203	3	08	08	NUM
ijosar-1125	204	1	|	|	ADV
ijosar-1125	204	2	august	august	PROPN
ijosar-1125	204	3	2025	2025	NUM
ijosar-1125	205	1	|	|	ADV
ijosar-1125	205	2	https://ijojournals.com/index.php/ssh/index	https://ijojournals.com/index.php/ssh/index	NOUN
ijosar-1125	205	3	76	76	NUM
ijosar-1125	205	4	ijointernational	ijointernational	ADJ
ijosar-1125	205	5	journal	journal	NOUN
ijosar-1125	205	6	of	of	ADP
ijosar-1125	205	7	social	social	ADJ
ijosar-1125	205	8	science	science	NOUN
ijosar-1125	205	9	and	and	CCONJ
ijosar-1125	205	10	humanities	humanity	NOUN
ijosar-1125	205	11	research	research	NOUN
ijosar-1125	205	12	(	(	PUNCT
ijosar-1125	205	13	issn	issn	PROPN
ijosar-1125	205	14	2811	2811	NUM
ijosar-1125	205	15	-	-	SYM
ijosar-1125	205	16	2466	2466	NUM
ijosar-1125	205	17	)	)	PUNCT
ijosar-1125	205	18	obiora	obiora	PROPN
ijosar-1125	205	19	peters	peters	PROPN
ijosar-1125	205	20	,	,	PUNCT
ijosar-1125	205	21	emeka	emeka	VERB
ijosar-1125	205	22	phd1	phd1	PROPN
ijosar-1125	205	23	*	*	PUNCT
ijosar-1125	206	1	https://ijojournals.com/	https://ijojournals.com/	PROPN
ijosar-1125	206	2	volume	volume	NOUN
ijosar-1125	206	3	08	08	NUM
ijosar-1125	206	4	||	||	PROPN
ijosar-1125	206	5	issue	issue	NOUN
ijosar-1125	206	6	08	08	NUM
ijosar-1125	206	7	||	||	NOUN
ijosar-1125	206	8	august	august	PROPN
ijosar-1125	206	9	,	,	PUNCT
ijosar-1125	206	10	2025	2025	NUM
ijosar-1125	206	11	||	||	PUNCT
ijosar-1125	207	1	“	"	PUNCT
ijosar-1125	207	2	determinants	determinant	NOUN
ijosar-1125	207	3	of	of	ADP
ijosar-1125	207	4	insurance	insurance	NOUN
ijosar-1125	207	5	uptake	uptake	ADJ
ijosar-1125	207	6	in	in	ADP
ijosar-1125	207	7	rwanda	rwanda	PROPN
ijosar-1125	207	8	a	a	DET
ijosar-1125	207	9	case	case	NOUN
ijosar-1125	207	10	study	study	NOUN
ijosar-1125	207	11	of	of	ADP
ijosar-1125	207	12	radiant	radiant	ADJ
ijosar-1125	207	13	insurance	insurance	NOUN
ijosar-1125	207	14	company	company	NOUN
ijosar-1125	207	15	limited	limit	VERB
ijosar-1125	207	16	(	(	PUNCT
ijosar-1125	207	17	2020	2020	NUM
ijosar-1125	207	18	-	-	SYM
ijosar-1125	207	19	2024	2024	NUM
ijosar-1125	207	20	)	)	PUNCT
ijosar-1125	207	21	"	"	PUNCT
ijosar-1125	207	22	4.2	4.2	NUM
ijosar-1125	207	23	correlation	correlation	NOUN
ijosar-1125	207	24	matrix	matrix	NOUN
ijosar-1125	207	25	table	table	NOUN
ijosar-1125	207	26	4	4	NUM
ijosar-1125	207	27	knowledg	knowledg	NOUN
ijosar-1125	207	28	e	e	NOUN
ijosar-1125	207	29	skills	skill	NOUN
ijosar-1125	207	30	behavior	behavior	NOUN
ijosar-1125	207	31	accessibil	accessibil	PROPN
ijosar-1125	207	32	ity	ity	PROPN
ijosar-1125	207	33	knowledge	knowledge	PROPN
ijosar-1125	207	34	pearson	pearson	PROPN
ijosar-1125	207	35	correlation	correlation	PROPN
ijosar-1125	207	36	1	1	NUM
ijosar-1125	207	37	sig	sig	NOUN
ijosar-1125	207	38	.	.	PUNCT
ijosar-1125	208	1	(	(	PUNCT
ijosar-1125	208	2	2	2	NUM
ijosar-1125	208	3	-	-	PUNCT
ijosar-1125	208	4	tailed	tailed	ADJ
ijosar-1125	208	5	)	)	PUNCT
ijosar-1125	208	6	n	n	PRON
ijosar-1125	208	7	375	375	NUM
ijosar-1125	208	8	skills	skill	NOUN
ijosar-1125	208	9	pearson	pearson	NOUN
ijosar-1125	208	10	correlation	correlation	NOUN
ijosar-1125	208	11	.236	.236	NUM
ijosar-1125	208	12	*	*	PROPN
ijosar-1125	208	13	*	*	PROPN
ijosar-1125	208	14	1	1	NUM
ijosar-1125	208	15	sig	sig	NOUN
ijosar-1125	208	16	.	.	PUNCT
ijosar-1125	209	1	(	(	PUNCT
ijosar-1125	209	2	2	2	NUM
ijosar-1125	209	3	-	-	PUNCT
ijosar-1125	209	4	tailed	tail	VERB
ijosar-1125	209	5	)	)	PUNCT
ijosar-1125	209	6	.004	.004	NUM
ijosar-1125	210	1	n	n	CCONJ
ijosar-1125	210	2	375	375	NUM
ijosar-1125	210	3	375	375	NUM
ijosar-1125	210	4	behavior	behavior	NOUN
ijosar-1125	210	5	pearson	pearson	NOUN
ijosar-1125	210	6	correlation	correlation	PROPN
ijosar-1125	210	7	.293	.293	NUM
ijosar-1125	210	8	*	*	X
ijosar-1125	210	9	*	*	NOUN
ijosar-1125	210	10	.324	.324	NUM
ijosar-1125	210	11	*	*	SYM
ijosar-1125	210	12	*	*	SYM
ijosar-1125	210	13	1	1	NUM
ijosar-1125	210	14	sig	sig	NOUN
ijosar-1125	210	15	.	.	PUNCT
ijosar-1125	211	1	(	(	PUNCT
ijosar-1125	211	2	2	2	NUM
ijosar-1125	211	3	-	-	PUNCT
ijosar-1125	211	4	tailed	tailed	ADJ
ijosar-1125	211	5	)	)	PUNCT
ijosar-1125	212	1	.000	.000	NUM
ijosar-1125	212	2	.000	.000	NUM
ijosar-1125	212	3	n	n	DET
ijosar-1125	212	4	375	375	NUM
ijosar-1125	212	5	375	375	NUM
ijosar-1125	212	6	375	375	NUM
ijosar-1125	212	7	accessibilit	accessibilit	ADJ
ijosar-1125	212	8	y	y	PROPN
ijosar-1125	212	9	pearson	pearson	PROPN
ijosar-1125	212	10	correlation	correlation	PROPN
ijosar-1125	212	11	.105	.105	NUM
ijosar-1125	212	12	.224	.224	NUM
ijosar-1125	212	13	*	*	X
ijosar-1125	212	14	*	*	NOUN
ijosar-1125	212	15	.178	.178	NUM
ijosar-1125	212	16	*	*	SYM
ijosar-1125	212	17	1	1	NUM
ijosar-1125	212	18	sig	sig	NOUN
ijosar-1125	212	19	.	.	PUNCT
ijosar-1125	213	1	(	(	PUNCT
ijosar-1125	213	2	2	2	NUM
ijosar-1125	213	3	-	-	PUNCT
ijosar-1125	213	4	tailed	tailed	ADJ
ijosar-1125	213	5	)	)	PUNCT
ijosar-1125	213	6	.203	.203	NUM
ijosar-1125	213	7	.006	.006	NUM
ijosar-1125	213	8	.029	.029	NUM
ijosar-1125	214	1	n	n	ADV
ijosar-1125	214	2	375	375	NUM
ijosar-1125	214	3	375	375	NUM
ijosar-1125	214	4	375	375	NUM
ijosar-1125	214	5	375	375	NUM
ijosar-1125	214	6	authors	author	NOUN
ijosar-1125	214	7	’	'	PUNCT
ijosar-1125	214	8	computation	computation	NOUN
ijosar-1125	214	9	2025	2025	NUM
ijosar-1125	214	10	the	the	DET
ijosar-1125	214	11	matrix	matrix	NOUN
ijosar-1125	214	12	shows	show	VERB
ijosar-1125	214	13	that	that	SCONJ
ijosar-1125	214	14	there	there	PRON
ijosar-1125	214	15	are	be	VERB
ijosar-1125	214	16	positive	positive	ADJ
ijosar-1125	214	17	relationships	relationship	NOUN
ijosar-1125	214	18	of	of	ADP
ijosar-1125	214	19	all	all	DET
ijosar-1125	214	20	the	the	DET
ijosar-1125	214	21	variables	variable	NOUN
ijosar-1125	214	22	but	but	CCONJ
ijosar-1125	214	23	the	the	DET
ijosar-1125	214	24	strongest	strong	ADJ
ijosar-1125	214	25	are	be	AUX
ijosar-1125	214	26	between	between	ADP
ijosar-1125	214	27	skills	skill	NOUN
ijosar-1125	214	28	and	and	CCONJ
ijosar-1125	214	29	behavior	behavior	NOUN
ijosar-1125	214	30	and	and	CCONJ
ijosar-1125	214	31	accessibility	accessibility	NOUN
ijosar-1125	214	32	has	have	VERB
ijosar-1125	214	33	a	a	DET
ijosar-1125	214	34	small	small	ADJ
ijosar-1125	214	35	but	but	CCONJ
ijosar-1125	214	36	significant	significant	ADJ
ijosar-1125	214	37	influence	influence	NOUN
ijosar-1125	214	38	on	on	ADP
ijosar-1125	214	39	how	how	SCONJ
ijosar-1125	214	40	insurance	insurance	NOUN
ijosar-1125	214	41	behavior	behavior	NOUN
ijosar-1125	214	42	and	and	CCONJ
ijosar-1125	214	43	competencies	competency	NOUN
ijosar-1125	214	44	are	be	AUX
ijosar-1125	214	45	shaped	shape	VERB
ijosar-1125	214	46	.	.	PUNCT
ijosar-1125	215	1	this	this	PRON
ijosar-1125	215	2	proves	prove	VERB
ijosar-1125	215	3	the	the	DET
ijosar-1125	215	4	concept	concept	NOUN
ijosar-1125	215	5	of	of	ADP
ijosar-1125	215	6	increasing	increase	VERB
ijosar-1125	215	7	the	the	DET
ijosar-1125	215	8	level	level	NOUN
ijosar-1125	215	9	of	of	ADP
ijosar-1125	215	10	information	information	NOUN
ijosar-1125	215	11	and	and	CCONJ
ijosar-1125	215	12	viable	viable	ADJ
ijosar-1125	215	13	access	access	NOUN
ijosar-1125	215	14	to	to	PART
ijosar-1125	215	15	enhance	enhance	VERB
ijosar-1125	215	16	the	the	DET
ijosar-1125	215	17	take	take	NOUN
ijosar-1125	215	18	up	up	ADP
ijosar-1125	215	19	of	of	ADP
ijosar-1125	215	20	insurance	insurance	NOUN
ijosar-1125	215	21	.	.	PUNCT
ijosar-1125	216	1	4.3	4.3	NUM
ijosar-1125	216	2	.	.	PUNCT
ijosar-1125	216	3	model	model	PROPN
ijosar-1125	216	4	summary	summary	PROPN
ijosar-1125	216	5	a	a	DET
ijosar-1125	216	6	model	model	NOUN
ijosar-1125	216	7	summary	summary	NOUN
ijosar-1125	216	8	gives	give	VERB
ijosar-1125	216	9	a	a	DET
ijosar-1125	216	10	brief	brief	ADJ
ijosar-1125	216	11	account	account	NOUN
ijosar-1125	216	12	of	of	ADP
ijosar-1125	216	13	the	the	DET
ijosar-1125	216	14	statistical	statistical	ADJ
ijosar-1125	216	15	or	or	CCONJ
ijosar-1125	216	16	theoretical	theoretical	ADJ
ijosar-1125	216	17	model	model	NOUN
ijosar-1125	216	18	of	of	ADP
ijosar-1125	216	19	analyzing	analyze	VERB
ijosar-1125	216	20	data	datum	NOUN
ijosar-1125	216	21	or	or	CCONJ
ijosar-1125	216	22	explanation	explanation	NOUN
ijosar-1125	216	23	of	of	ADP
ijosar-1125	216	24	phenomena	phenomenon	NOUN
ijosar-1125	216	25	.	.	PUNCT
ijosar-1125	217	1	it	it	PRON
ijosar-1125	217	2	often	often	ADV
ijosar-1125	217	3	consists	consist	VERB
ijosar-1125	217	4	of	of	ADP
ijosar-1125	217	5	the	the	DET
ijosar-1125	217	6	main	main	ADJ
ijosar-1125	217	7	information	information	NOUN
ijosar-1125	217	8	pertaining	pertain	VERB
ijosar-1125	217	9	to	to	ADP
ijosar-1125	217	10	the	the	DET
ijosar-1125	217	11	model	model	NOUN
ijosar-1125	217	12	structure	structure	NOUN
ijosar-1125	217	13	,	,	PUNCT
ijosar-1125	217	14	the	the	DET
ijosar-1125	217	15	assumptions	assumption	NOUN
ijosar-1125	217	16	,	,	PUNCT
ijosar-1125	217	17	parameters	parameter	NOUN
ijosar-1125	217	18	of	of	ADP
ijosar-1125	217	19	the	the	DET
ijosar-1125	217	20	model	model	NOUN
ijosar-1125	217	21	,	,	PUNCT
ijosar-1125	217	22	and	and	CCONJ
ijosar-1125	217	23	their	their	PRON
ijosar-1125	217	24	performance	performance	NOUN
ijosar-1125	217	25	.	.	PUNCT
ijosar-1125	218	1	table	table	NOUN
ijosar-1125	218	2	5	5	NUM
ijosar-1125	218	3	:	:	PUNCT
ijosar-1125	218	4	model	model	NOUN
ijosar-1125	218	5	summary	summary	NOUN
ijosar-1125	218	6	model	model	NOUN
ijosar-1125	218	7	r	r	PROPN
ijosar-1125	218	8	r	r	NOUN
ijosar-1125	218	9	square	square	ADJ
ijosar-1125	218	10	adjusted	adjust	VERB
ijosar-1125	218	11	r	r	NOUN
ijosar-1125	218	12	square	square	ADJ
ijosar-1125	218	13	std	std	NOUN
ijosar-1125	218	14	.	.	PUNCT
ijosar-1125	219	1	error	error	NOUN
ijosar-1125	219	2	of	of	ADP
ijosar-1125	219	3	the	the	DET
ijosar-1125	219	4	estimate	estimate	NOUN
ijosar-1125	219	5	1	1	NUM
ijosar-1125	219	6	0.943a	0.943a	ADJ
ijosar-1125	219	7	.089	.089	NUM
ijosar-1125	219	8	.084	.084	NUM
ijosar-1125	220	1	.22477	.22477	NOUN
ijosar-1125	220	2	a.	a.	NOUN
ijosar-1125	220	3	predictors	predictor	NOUN
ijosar-1125	220	4	:	:	PUNCT
ijosar-1125	220	5	(	(	PUNCT
ijosar-1125	220	6	constant	constant	ADJ
ijosar-1125	220	7	)	)	PUNCT
ijosar-1125	220	8	,	,	PUNCT
ijosar-1125	220	9	attitude	attitude	NOUN
ijosar-1125	220	10	,	,	PUNCT
ijosar-1125	220	11	behavior	behavior	NOUN
ijosar-1125	220	12	,	,	PUNCT
ijosar-1125	220	13	knowledge	knowledge	NOUN
ijosar-1125	220	14	,	,	PUNCT
ijosar-1125	220	15	skills	skill	NOUN
ijosar-1125	220	16	source	source	NOUN
ijosar-1125	220	17	:	:	PUNCT
ijosar-1125	220	18	spss	spss	PROPN
ijosar-1125	220	19	program	program	PROPN
ijosar-1125	220	20	v22	v22	NOUN
ijosar-1125	220	21	the	the	DET
ijosar-1125	220	22	correlation	correlation	NOUN
ijosar-1125	220	23	between	between	ADP
ijosar-1125	220	24	the	the	DET
ijosar-1125	220	25	actual	actual	ADJ
ijosar-1125	220	26	and	and	CCONJ
ijosar-1125	220	27	predicted	predict	VERB
ijosar-1125	220	28	values	value	NOUN
ijosar-1125	220	29	of	of	ADP
ijosar-1125	220	30	the	the	DET
ijosar-1125	220	31	dependent	dependent	ADJ
ijosar-1125	220	32	variable	variable	NOUN
ijosar-1125	220	33	is	be	AUX
ijosar-1125	220	34	r	r	NOUN
ijosar-1125	220	35	(	(	PUNCT
ijosar-1125	220	36	0.943	0.943	NUM
ijosar-1125	220	37	)	)	PUNCT
ijosar-1125	220	38	.	.	PUNCT
ijosar-1125	221	1	it	it	PRON
ijosar-1125	221	2	shows	show	VERB
ijosar-1125	221	3	a	a	DET
ijosar-1125	221	4	very	very	ADV
ijosar-1125	221	5	strong	strong	ADJ
ijosar-1125	221	6	relationship	relationship	NOUN
ijosar-1125	221	7	between	between	ADP
ijosar-1125	221	8	the	the	DET
ijosar-1125	221	9	predictors	predictor	NOUN
ijosar-1125	221	10	(	(	PUNCT
ijosar-1125	221	11	knowledge	knowledge	NOUN
ijosar-1125	221	12	,	,	PUNCT
ijosar-1125	221	13	skills	skill	NOUN
ijosar-1125	221	14	,	,	PUNCT
ijosar-1125	221	15	behavior	behavior	NOUN
ijosar-1125	221	16	,	,	PUNCT
ijosar-1125	221	17	accessibility	accessibility	NOUN
ijosar-1125	221	18	)	)	PUNCT
ijosar-1125	221	19	and	and	CCONJ
ijosar-1125	221	20	the	the	DET
ijosar-1125	221	21	ijo	ijo	PROPN
ijosar-1125	221	22	journals	journals	PROPN
ijosar-1125	221	23	volume	volume	NOUN
ijosar-1125	221	24	08	08	NUM
ijosar-1125	222	1	|	|	ADV
ijosar-1125	222	2	issue	issue	NOUN
ijosar-1125	222	3	08	08	NUM
ijosar-1125	223	1	|	|	ADV
ijosar-1125	223	2	august	august	PROPN
ijosar-1125	223	3	2025	2025	NUM
ijosar-1125	224	1	|	|	ADV
ijosar-1125	224	2	https://ijojournals.com/index.php/ssh/index	https://ijojournals.com/index.php/ssh/index	NOUN
ijosar-1125	224	3	77	77	NUM
ijosar-1125	224	4	ijointernational	ijointernational	ADJ
ijosar-1125	224	5	journal	journal	NOUN
ijosar-1125	224	6	of	of	ADP
ijosar-1125	224	7	social	social	ADJ
ijosar-1125	224	8	science	science	NOUN
ijosar-1125	224	9	and	and	CCONJ
ijosar-1125	224	10	humanities	humanity	NOUN
ijosar-1125	224	11	research	research	NOUN
ijosar-1125	224	12	(	(	PUNCT
ijosar-1125	224	13	issn	issn	PROPN
ijosar-1125	224	14	2811	2811	NUM
ijosar-1125	224	15	-	-	SYM
ijosar-1125	224	16	2466	2466	NUM
ijosar-1125	224	17	)	)	PUNCT
ijosar-1125	224	18	obiora	obiora	PROPN
ijosar-1125	224	19	peters	peters	PROPN
ijosar-1125	224	20	,	,	PUNCT
ijosar-1125	224	21	emeka	emeka	VERB
ijosar-1125	224	22	phd1	phd1	PROPN
ijosar-1125	224	23	*	*	PUNCT
ijosar-1125	224	24	https://ijojournals.com/	https://ijojournals.com/	PROPN
ijosar-1125	224	25	volume	volume	NOUN
ijosar-1125	224	26	08	08	NUM
ijosar-1125	225	1	||	||	PROPN
ijosar-1125	225	2	issue	issue	NOUN
ijosar-1125	225	3	08	08	NUM
ijosar-1125	225	4	||	||	NOUN
ijosar-1125	225	5	august	august	PROPN
ijosar-1125	225	6	,	,	PUNCT
ijosar-1125	225	7	2025	2025	NUM
ijosar-1125	225	8	||	||	PUNCT
ijosar-1125	226	1	“	"	PUNCT
ijosar-1125	226	2	determinants	determinant	NOUN
ijosar-1125	226	3	of	of	ADP
ijosar-1125	226	4	insurance	insurance	NOUN
ijosar-1125	226	5	uptake	uptake	ADJ
ijosar-1125	226	6	in	in	ADP
ijosar-1125	226	7	rwanda	rwanda	PROPN
ijosar-1125	226	8	a	a	DET
ijosar-1125	226	9	case	case	NOUN
ijosar-1125	226	10	study	study	NOUN
ijosar-1125	226	11	of	of	ADP
ijosar-1125	226	12	radiant	radiant	ADJ
ijosar-1125	226	13	insurance	insurance	NOUN
ijosar-1125	226	14	company	company	NOUN
ijosar-1125	226	15	limited	limit	VERB
ijosar-1125	226	16	(	(	PUNCT
ijosar-1125	226	17	2020	2020	NUM
ijosar-1125	226	18	-	-	SYM
ijosar-1125	226	19	2024	2024	NUM
ijosar-1125	226	20	)	)	PUNCT
ijosar-1125	226	21	"	"	PUNCT
ijosar-1125	226	22	outcome	outcome	NOUN
ijosar-1125	226	23	.	.	PUNCT
ijosar-1125	227	1	adjusted	adjust	VERB
ijosar-1125	227	2	r2was	r2was	PROPN
ijosar-1125	227	3	(	(	PUNCT
ijosar-1125	227	4	0.084	0.084	NUM
ijosar-1125	227	5	)	)	PUNCT
ijosar-1125	227	6	meaning	mean	VERB
ijosar-1125	227	7	that	that	SCONJ
ijosar-1125	227	8	only	only	ADV
ijosar-1125	227	9	8.4	8.4	NUM
ijosar-1125	227	10	%	%	NOUN
ijosar-1125	227	11	of	of	ADP
ijosar-1125	227	12	the	the	DET
ijosar-1125	227	13	variation	variation	NOUN
ijosar-1125	227	14	in	in	ADP
ijosar-1125	227	15	the	the	DET
ijosar-1125	227	16	dependent	dependent	ADJ
ijosar-1125	227	17	variable	variable	NOUN
ijosar-1125	227	18	of	of	ADP
ijosar-1125	227	19	insurance	insurance	NOUN
ijosar-1125	227	20	uptake	uptake	NOUN
ijosar-1125	227	21	is	be	AUX
ijosar-1125	227	22	explained	explain	VERB
ijosar-1125	227	23	by	by	ADP
ijosar-1125	227	24	the	the	DET
ijosar-1125	227	25	four	four	NUM
ijosar-1125	227	26	predictors.standard	predictors.standard	NOUN
ijosar-1125	227	27	error	error	NOUN
ijosar-1125	227	28	(	(	PUNCT
ijosar-1125	227	29	0.22477	0.22477	NUM
ijosar-1125	227	30	):	):	PUNCT
ijosar-1125	227	31	this	this	PRON
ijosar-1125	227	32	is	be	AUX
ijosar-1125	227	33	the	the	DET
ijosar-1125	227	34	average	average	ADJ
ijosar-1125	227	35	amount	amount	NOUN
ijosar-1125	227	36	by	by	ADP
ijosar-1125	227	37	which	which	PRON
ijosar-1125	227	38	the	the	DET
ijosar-1125	227	39	actual	actual	ADJ
ijosar-1125	227	40	values	value	NOUN
ijosar-1125	227	41	differ	differ	VERB
ijosar-1125	227	42	from	from	ADP
ijosar-1125	227	43	the	the	DET
ijosar-1125	227	44	predicted	predict	VERB
ijosar-1125	227	45	values	value	NOUN
ijosar-1125	227	46	.	.	PUNCT
ijosar-1125	228	1	a	a	DET
ijosar-1125	228	2	smaller	small	ADJ
ijosar-1125	228	3	value	value	NOUN
ijosar-1125	228	4	means	mean	VERB
ijosar-1125	228	5	more	more	ADV
ijosar-1125	228	6	accurate	accurate	ADJ
ijosar-1125	228	7	predictions	prediction	NOUN
ijosar-1125	228	8	4.4	4.4	NUM
ijosar-1125	228	9	anova	anova	PROPN
ijosar-1125	228	10	table	table	NOUN
ijosar-1125	228	11	6	6	NUM
ijosar-1125	228	12	:	:	PUNCT
ijosar-1125	228	13	anova	anova	PROPN
ijosar-1125	228	14	sum	sum	NOUN
ijosar-1125	228	15	of	of	ADP
ijosar-1125	228	16	squares	square	NOUN
ijosar-1125	228	17	df	df	PROPN
ijosar-1125	228	18	mean	mean	PROPN
ijosar-1125	228	19	square	square	PROPN
ijosar-1125	228	20	f	f	PROPN
ijosar-1125	228	21	sig	sig	PROPN
ijosar-1125	228	22	.	.	PUNCT
ijosar-1125	229	1	knowledge	knowledge	NOUN
ijosar-1125	229	2	between	between	ADP
ijosar-1125	229	3	groups	group	NOUN
ijosar-1125	229	4	1.174	1.174	NUM
ijosar-1125	229	5	7	7	NUM
ijosar-1125	229	6	.168	.168	NUM
ijosar-1125	229	7	.865	.865	NUM
ijosar-1125	229	8	.536	.536	NUM
ijosar-1125	229	9	within	within	ADP
ijosar-1125	229	10	groups	group	NOUN
ijosar-1125	229	11	27.538	27.538	NUM
ijosar-1125	229	12	142	142	NUM
ijosar-1125	229	13	.194	.194	NUM
ijosar-1125	229	14	total	total	NOUN
ijosar-1125	229	15	28.712	28.712	NUM
ijosar-1125	229	16	149	149	NUM
ijosar-1125	229	17	skills	skill	NOUN
ijosar-1125	229	18	between	between	ADP
ijosar-1125	229	19	groups	group	NOUN
ijosar-1125	229	20	1.696	1.696	NUM
ijosar-1125	229	21	7	7	NUM
ijosar-1125	229	22	.242	.242	NUM
ijosar-1125	229	23	.549	.549	NUM
ijosar-1125	229	24	.796	.796	X
ijosar-1125	230	1	within	within	ADP
ijosar-1125	230	2	groups	group	NOUN
ijosar-1125	230	3	62.664	62.664	NUM
ijosar-1125	230	4	142	142	NUM
ijosar-1125	230	5	.441	.441	NUM
ijosar-1125	230	6	total	total	ADJ
ijosar-1125	230	7	64.360	64.360	NUM
ijosar-1125	230	8	149	149	NUM
ijosar-1125	230	9	behaviour	behaviour	NOUN
ijosar-1125	230	10	between	between	ADP
ijosar-1125	230	11	groups	group	NOUN
ijosar-1125	230	12	.955	.955	NUM
ijosar-1125	230	13	7	7	NUM
ijosar-1125	230	14	.136	.136	NUM
ijosar-1125	230	15	.661	.661	NUM
ijosar-1125	230	16	.705	.705	NUM
ijosar-1125	230	17	within	within	ADP
ijosar-1125	230	18	groups	group	NOUN
ijosar-1125	230	19	29.335	29.335	NUM
ijosar-1125	230	20	142	142	NUM
ijosar-1125	230	21	.207	.207	NUM
ijosar-1125	230	22	total	total	ADJ
ijosar-1125	230	23	30.290	30.290	NUM
ijosar-1125	230	24	149	149	NUM
ijosar-1125	230	25	suitability	suitability	NOUN
ijosar-1125	230	26	between	between	ADP
ijosar-1125	230	27	groups	group	NOUN
ijosar-1125	230	28	1.084	1.084	NUM
ijosar-1125	230	29	7	7	NUM
ijosar-1125	230	30	.155	.155	NUM
ijosar-1125	230	31	2.431	2.431	NUM
ijosar-1125	230	32	.022	.022	NUM
ijosar-1125	230	33	within	within	ADP
ijosar-1125	230	34	groups	group	NOUN
ijosar-1125	230	35	9.049	9.049	NUM
ijosar-1125	230	36	142	142	NUM
ijosar-1125	230	37	.064	.064	NUM
ijosar-1125	230	38	total	total	ADJ
ijosar-1125	230	39	10.133	10.133	NUM
ijosar-1125	230	40	149	149	NUM
ijosar-1125	230	41	source	source	NOUN
ijosar-1125	230	42	:	:	PUNCT
ijosar-1125	230	43	spss	spss	PROPN
ijosar-1125	230	44	program	program	PROPN
ijosar-1125	230	45	v22	v22	NOUN
ijosar-1125	230	46	the	the	DET
ijosar-1125	230	47	anova	anova	PROPN
ijosar-1125	230	48	output	output	NOUN
ijosar-1125	230	49	indicates	indicate	VERB
ijosar-1125	230	50	the	the	DET
ijosar-1125	230	51	presence	presence	NOUN
ijosar-1125	230	52	of	of	ADP
ijosar-1125	230	53	statistically	statistically	ADV
ijosar-1125	230	54	significant	significant	ADJ
ijosar-1125	230	55	differences	difference	NOUN
ijosar-1125	230	56	in	in	ADP
ijosar-1125	230	57	the	the	DET
ijosar-1125	230	58	responses	response	NOUN
ijosar-1125	230	59	to	to	AUX
ijosar-1125	230	60	insurance	insurance	VERB
ijosar-1125	230	61	uptake	uptake	ADJ
ijosar-1125	230	62	factors	factor	NOUN
ijosar-1125	230	63	with	with	ADP
ijosar-1125	230	64	regard	regard	NOUN
ijosar-1125	230	65	to	to	ADP
ijosar-1125	230	66	the	the	DET
ijosar-1125	230	67	various	various	ADJ
ijosar-1125	230	68	groups	group	NOUN
ijosar-1125	230	69	.	.	PUNCT
ijosar-1125	231	1	knowledge	knowledge	NOUN
ijosar-1125	231	2	(	(	PUNCT
ijosar-1125	231	3	p	p	NOUN
ijosar-1125	231	4	=	=	NOUN
ijosar-1125	231	5	.536	.536	NUM
ijosar-1125	231	6	)	)	PUNCT
ijosar-1125	231	7	and	and	CCONJ
ijosar-1125	231	8	skills	skill	NOUN
ijosar-1125	231	9	(	(	PUNCT
ijosar-1125	231	10	p	p	NOUN
ijosar-1125	231	11	=	=	NOUN
ijosar-1125	231	12	.796	.796	NUM
ijosar-1125	231	13	)	)	PUNCT
ijosar-1125	231	14	do	do	AUX
ijosar-1125	231	15	not	not	PART
ijosar-1125	231	16	make	make	VERB
ijosar-1125	231	17	any	any	DET
ijosar-1125	231	18	significant	significant	ADJ
ijosar-1125	231	19	difference	difference	NOUN
ijosar-1125	231	20	in	in	ADP
ijosar-1125	231	21	perception	perception	NOUN
ijosar-1125	231	22	but	but	CCONJ
ijosar-1125	231	23	suitability	suitability	NOUN
ijosar-1125	231	24	(	(	PUNCT
ijosar-1125	231	25	p	p	NOUN
ijosar-1125	231	26	=	=	NOUN
ijosar-1125	231	27	.022	.022	NUM
ijosar-1125	231	28	)	)	PUNCT
ijosar-1125	231	29	does	do	VERB
ijosar-1125	231	30	so	so	ADV
ijosar-1125	231	31	there	there	PRON
ijosar-1125	231	32	is	be	VERB
ijosar-1125	231	33	a	a	DET
ijosar-1125	231	34	possibility	possibility	NOUN
ijosar-1125	231	35	of	of	ADP
ijosar-1125	231	36	increasing	increase	VERB
ijosar-1125	231	37	the	the	DET
ijosar-1125	231	38	uptake	uptake	NOUN
ijosar-1125	231	39	of	of	ADP
ijosar-1125	231	40	insurance	insurance	NOUN
ijosar-1125	231	41	products	product	NOUN
ijosar-1125	231	42	by	by	ADP
ijosar-1125	231	43	tailoring	tailor	VERB
ijosar-1125	231	44	them	they	PRON
ijosar-1125	231	45	to	to	ADP
ijosar-1125	231	46	the	the	DET
ijosar-1125	231	47	needs	need	NOUN
ijosar-1125	231	48	of	of	ADP
ijosar-1125	231	49	a	a	DET
ijosar-1125	231	50	certain	certain	ADJ
ijosar-1125	231	51	customer	customer	NOUN
ijosar-1125	231	52	.	.	PUNCT
ijosar-1125	232	1	4.5	4.5	NUM
ijosar-1125	232	2	.	.	PUNCT
ijosar-1125	232	3	coefficients	coefficient	VERB
ijosar-1125	232	4	analysis	analysis	NOUN
ijosar-1125	232	5	the	the	DET
ijosar-1125	232	6	relationships	relationship	NOUN
ijosar-1125	232	7	between	between	ADP
ijosar-1125	232	8	variables	variable	NOUN
ijosar-1125	232	9	were	be	AUX
ijosar-1125	232	10	statistical	statistical	ADJ
ijosar-1125	232	11	measured	measure	VERB
ijosar-1125	232	12	and	and	CCONJ
ijosar-1125	232	13	quantified	quantify	VERB
ijosar-1125	232	14	the	the	DET
ijosar-1125	232	15	degree	degree	NOUN
ijosar-1125	232	16	and	and	CCONJ
ijosar-1125	232	17	direction	direction	NOUN
ijosar-1125	232	18	of	of	ADP
ijosar-1125	232	19	the	the	DET
ijosar-1125	232	20	relationship	relationship	NOUN
ijosar-1125	232	21	,	,	PUNCT
ijosar-1125	232	22	to	to	PART
ijosar-1125	232	23	assist	assist	VERB
ijosar-1125	232	24	in	in	ADP
ijosar-1125	232	25	understanding	understand	VERB
ijosar-1125	232	26	how	how	SCONJ
ijosar-1125	232	27	changes	change	NOUN
ijosar-1125	232	28	in	in	ADP
ijosar-1125	232	29	one	one	NUM
ijosar-1125	232	30	variable	variable	NOUN
ijosar-1125	232	31	might	might	AUX
ijosar-1125	232	32	impact	impact	VERB
ijosar-1125	232	33	another	another	PRON
ijosar-1125	232	34	.	.	PUNCT
ijosar-1125	233	1	ijo	ijo	PROPN
ijosar-1125	233	2	journals	journal	NOUN
ijosar-1125	233	3	volume	volume	NOUN
ijosar-1125	233	4	08	08	NUM
ijosar-1125	234	1	|	|	ADV
ijosar-1125	234	2	issue	issue	NOUN
ijosar-1125	234	3	08	08	NUM
ijosar-1125	235	1	|	|	ADV
ijosar-1125	235	2	august	august	PROPN
ijosar-1125	235	3	2025	2025	NUM
ijosar-1125	235	4	|	|	ADV
ijosar-1125	235	5	https://ijojournals.com/index.php/ssh/index	https://ijojournals.com/index.php/ssh/index	NOUN
ijosar-1125	235	6	78	78	NUM
ijosar-1125	235	7	ijointernational	ijointernational	ADJ
ijosar-1125	235	8	journal	journal	NOUN
ijosar-1125	235	9	of	of	ADP
ijosar-1125	235	10	social	social	ADJ
ijosar-1125	235	11	science	science	NOUN
ijosar-1125	235	12	and	and	CCONJ
ijosar-1125	235	13	humanities	humanity	NOUN
ijosar-1125	235	14	research	research	NOUN
ijosar-1125	235	15	(	(	PUNCT
ijosar-1125	235	16	issn	issn	PROPN
ijosar-1125	235	17	2811	2811	NUM
ijosar-1125	235	18	-	-	SYM
ijosar-1125	235	19	2466	2466	NUM
ijosar-1125	235	20	)	)	PUNCT
ijosar-1125	235	21	obiora	obiora	PROPN
ijosar-1125	235	22	peters	peters	PROPN
ijosar-1125	235	23	,	,	PUNCT
ijosar-1125	235	24	emeka	emeka	VERB
ijosar-1125	235	25	phd1	phd1	PROPN
ijosar-1125	235	26	*	*	PUNCT
ijosar-1125	235	27	https://ijojournals.com/	https://ijojournals.com/	PROPN
ijosar-1125	235	28	volume	volume	NOUN
ijosar-1125	235	29	08	08	NUM
ijosar-1125	236	1	||	||	PROPN
ijosar-1125	236	2	issue	issue	NOUN
ijosar-1125	236	3	08	08	NUM
ijosar-1125	236	4	||	||	NOUN
ijosar-1125	236	5	august	august	PROPN
ijosar-1125	236	6	,	,	PUNCT
ijosar-1125	236	7	2025	2025	NUM
ijosar-1125	236	8	||	||	PUNCT
ijosar-1125	237	1	“	"	PUNCT
ijosar-1125	237	2	determinants	determinant	NOUN
ijosar-1125	237	3	of	of	ADP
ijosar-1125	237	4	insurance	insurance	NOUN
ijosar-1125	237	5	uptake	uptake	ADJ
ijosar-1125	237	6	in	in	ADP
ijosar-1125	237	7	rwanda	rwanda	PROPN
ijosar-1125	237	8	a	a	DET
ijosar-1125	237	9	case	case	NOUN
ijosar-1125	237	10	study	study	NOUN
ijosar-1125	237	11	of	of	ADP
ijosar-1125	237	12	radiant	radiant	ADJ
ijosar-1125	237	13	insurance	insurance	NOUN
ijosar-1125	237	14	company	company	NOUN
ijosar-1125	237	15	limited	limit	VERB
ijosar-1125	237	16	(	(	PUNCT
ijosar-1125	237	17	2020	2020	NUM
ijosar-1125	237	18	-	-	SYM
ijosar-1125	237	19	2024	2024	NUM
ijosar-1125	237	20	)	)	PUNCT
ijosar-1125	237	21	"	"	PUNCT
ijosar-1125	237	22	table	table	NOUN
ijosar-1125	237	23	7	7	NUM
ijosar-1125	237	24	:	:	PUNCT
ijosar-1125	237	25	coefficients	coefficient	NOUN
ijosar-1125	237	26	model	model	VERB
ijosar-1125	237	27	unstandardized	unstandardized	ADJ
ijosar-1125	237	28	coefficients	coefficient	NOUN
ijosar-1125	237	29	standardized	standardize	VERB
ijosar-1125	237	30	coefficients	coefficient	NOUN
ijosar-1125	237	31	t	t	PROPN
ijosar-1125	237	32	sig	sig	PROPN
ijosar-1125	237	33	.	.	PUNCT
ijosar-1125	238	1	b	b	X
ijosar-1125	238	2	std	std	PROPN
ijosar-1125	238	3	.	.	NOUN
ijosar-1125	238	4	error	error	NOUN
ijosar-1125	238	5	beta	beta	NOUN
ijosar-1125	238	6	1	1	NUM
ijosar-1125	238	7	(	(	PUNCT
ijosar-1125	238	8	constant	constant	ADJ
ijosar-1125	238	9	)	)	PUNCT
ijosar-1125	238	10	4.715	4.715	NUM
ijosar-1125	238	11	.369	.369	NUM
ijosar-1125	238	12	12.776	12.776	NUM
ijosar-1125	238	13	.000	.000	NUM
ijosar-1125	238	14	knowledge	knowledge	NOUN
ijosar-1125	238	15	.327	.327	NUM
ijosar-1125	238	16	.052	.052	NUM
ijosar-1125	238	17	.443	.443	NUM
ijosar-1125	238	18	.512	.512	NUM
ijosar-1125	238	19	.01	.01	NUM
ijosar-1125	238	20	skills	skill	NOUN
ijosar-1125	238	21	.490	.490	NUM
ijosar-1125	238	22	.045	.045	NUM
ijosar-1125	238	23	.286	.286	NUM
ijosar-1125	238	24	1.968	1.968	NUM
ijosar-1125	238	25	.000	.000	NUM
ijosar-1125	238	26	behavior	behavior	NOUN
ijosar-1125	238	27	.300	.300	NUM
ijosar-1125	238	28	.046	.046	NUM
ijosar-1125	238	29	.387	.387	NUM
ijosar-1125	238	30	2.184	2.184	NUM
ijosar-1125	238	31	.001	.001	NUM
ijosar-1125	238	32	accessibility	accessibility	NOUN
ijosar-1125	238	33	.336	.336	NUM
ijosar-1125	238	34	.048	.048	NUM
ijosar-1125	238	35	.400	.400	NUM
ijosar-1125	238	36	.001	.001	NUM
ijosar-1125	238	37	.001	.001	NUM
ijosar-1125	238	38	source	source	NOUN
ijosar-1125	238	39	:	:	PUNCT
ijosar-1125	238	40	spss	spss	PROPN
ijosar-1125	238	41	program	program	PROPN
ijosar-1125	238	42	v22	v22	PROPN
ijosar-1125	238	43	a.	a.	NOUN
ijosar-1125	238	44	dependent	dependent	PROPN
ijosar-1125	238	45	variable	variable	NOUN
ijosar-1125	238	46	:	:	PUNCT
ijosar-1125	238	47	uptakes	uptake	VERB
ijosar-1125	238	48	4.5	4.5	NUM
ijosar-1125	238	49	discussion	discussion	NOUN
ijosar-1125	238	50	of	of	ADP
ijosar-1125	238	51	coefficient	coefficient	NOUN
ijosar-1125	238	52	results	result	VERB
ijosar-1125	238	53	all	all	DET
ijosar-1125	238	54	the	the	DET
ijosar-1125	238	55	four	four	NUM
ijosar-1125	238	56	independent	independent	ADJ
ijosar-1125	238	57	variables	variable	NOUN
ijosar-1125	238	58	of	of	ADP
ijosar-1125	238	59	knowledge	knowledge	NOUN
ijosar-1125	238	60	,	,	PUNCT
ijosar-1125	238	61	skills	skill	NOUN
ijosar-1125	238	62	,	,	PUNCT
ijosar-1125	238	63	behavior	behavior	NOUN
ijosar-1125	238	64	and	and	CCONJ
ijosar-1125	238	65	accessibility	accessibility	NOUN
ijosar-1125	238	66	are	be	AUX
ijosar-1125	238	67	found	find	VERB
ijosar-1125	238	68	to	to	PART
ijosar-1125	238	69	have	have	VERB
ijosar-1125	238	70	a	a	DET
ijosar-1125	238	71	positive	positive	ADJ
ijosar-1125	238	72	and	and	CCONJ
ijosar-1125	238	73	statistically	statistically	ADV
ijosar-1125	238	74	significant	significant	ADJ
ijosar-1125	238	75	effect	effect	NOUN
ijosar-1125	238	76	on	on	ADP
ijosar-1125	238	77	insurance	insurance	NOUN
ijosar-1125	238	78	uptake	uptake	ADJ
ijosar-1125	238	79	at	at	ADP
ijosar-1125	238	80	radiant	radiant	ADJ
ijosar-1125	238	81	insurance	insurance	NOUN
ijosar-1125	238	82	company	company	NOUN
ijosar-1125	238	83	in	in	ADP
ijosar-1125	238	84	rwanda	rwanda	PROPN
ijosar-1125	238	85	based	base	VERB
ijosar-1125	238	86	on	on	ADP
ijosar-1125	238	87	the	the	DET
ijosar-1125	238	88	regression	regression	NOUN
ijosar-1125	238	89	coefficients	coefficient	NOUN
ijosar-1125	238	90	.	.	PUNCT
ijosar-1125	239	1	knowledge	knowledge	NOUN
ijosar-1125	239	2	has	have	AUX
ijosar-1125	239	3	been	be	AUX
ijosar-1125	239	4	found	find	VERB
ijosar-1125	239	5	to	to	PART
ijosar-1125	239	6	have	have	VERB
ijosar-1125	239	7	a	a	DET
ijosar-1125	239	8	coefficient	coefficient	NOUN
ijosar-1125	239	9	of	of	ADP
ijosar-1125	239	10	(	(	PUNCT
ijosar-1125	239	11	β	β	X
ijosar-1125	239	12	=	=	SYM
ijosar-1125	239	13	0.327,p	0.327,p	NUM
ijosar-1125	239	14	=	=	NOUN
ijosar-1125	239	15	0.01	0.01	NUM
ijosar-1125	239	16	)	)	PUNCT
ijosar-1125	239	17	,	,	PUNCT
ijosar-1125	239	18	which	which	PRON
ijosar-1125	239	19	implies	imply	VERB
ijosar-1125	239	20	that	that	SCONJ
ijosar-1125	239	21	the	the	PRON
ijosar-1125	239	22	more	more	ADV
ijosar-1125	239	23	the	the	DET
ijosar-1125	239	24	knowledge	knowledge	NOUN
ijosar-1125	239	25	an	an	DET
ijosar-1125	239	26	individual	individual	NOUN
ijosar-1125	239	27	acquires	acquire	VERB
ijosar-1125	239	28	pertaining	pertain	VERB
ijosar-1125	239	29	to	to	ADP
ijosar-1125	239	30	insurance	insurance	NOUN
ijosar-1125	239	31	-	-	PUNCT
ijosar-1125	239	32	the	the	PRON
ijosar-1125	239	33	higher	high	ADJ
ijosar-1125	239	34	the	the	DET
ijosar-1125	239	35	chances	chance	NOUN
ijosar-1125	239	36	are	be	AUX
ijosar-1125	239	37	that	that	SCONJ
ijosar-1125	239	38	he	he	PRON
ijosar-1125	239	39	/	/	PUNCT
ijosar-1125	239	40	she	she	PRON
ijosar-1125	239	41	will	will	AUX
ijosar-1125	239	42	uptake	uptake	VERB
ijosar-1125	239	43	.	.	PUNCT
ijosar-1125	240	1	it	it	PRON
ijosar-1125	240	2	implies	imply	VERB
ijosar-1125	240	3	that	that	SCONJ
ijosar-1125	240	4	clients	client	NOUN
ijosar-1125	240	5	who	who	PRON
ijosar-1125	240	6	know	know	VERB
ijosar-1125	240	7	how	how	SCONJ
ijosar-1125	240	8	insurance	insurance	NOUN
ijosar-1125	240	9	operates	operate	VERB
ijosar-1125	240	10	,	,	PUNCT
ijosar-1125	240	11	with	with	ADP
ijosar-1125	240	12	its	its	PRON
ijosar-1125	240	13	claims	claim	NOUN
ijosar-1125	240	14	and	and	CCONJ
ijosar-1125	240	15	other	other	ADJ
ijosar-1125	240	16	provisions	provision	NOUN
ijosar-1125	240	17	are	be	AUX
ijosar-1125	240	18	more	more	ADV
ijosar-1125	240	19	likely	likely	ADJ
ijosar-1125	240	20	to	to	PART
ijosar-1125	240	21	embrace	embrace	VERB
ijosar-1125	240	22	it	it	PRON
ijosar-1125	240	23	.	.	PUNCT
ijosar-1125	241	1	this	this	PRON
ijosar-1125	241	2	is	be	AUX
ijosar-1125	241	3	substantiated	substantiate	VERB
ijosar-1125	241	4	by	by	ADP
ijosar-1125	241	5	lusardi	lusardi	PROPN
ijosar-1125	241	6	and	and	CCONJ
ijosar-1125	241	7	mitchell	mitchell	PROPN
ijosar-1125	241	8	(	(	PUNCT
ijosar-1125	241	9	2017	2017	NUM
ijosar-1125	241	10	)	)	PUNCT
ijosar-1125	241	11	,	,	PUNCT
ijosar-1125	241	12	which	which	PRON
ijosar-1125	241	13	stressed	stress	VERB
ijosar-1125	241	14	that	that	SCONJ
ijosar-1125	241	15	financial	financial	ADJ
ijosar-1125	241	16	literacy	literacy	NOUN
ijosar-1125	241	17	enhances	enhance	VERB
ijosar-1125	241	18	insurance	insurance	NOUN
ijosar-1125	241	19	decisions	decision	NOUN
ijosar-1125	241	20	.	.	PUNCT
ijosar-1125	242	1	cohen	cohen	NOUN
ijosar-1125	242	2	(	(	PUNCT
ijosar-1125	242	3	2023	2023	NUM
ijosar-1125	242	4	)	)	PUNCT
ijosar-1125	242	5	also	also	ADV
ijosar-1125	242	6	associated	associate	VERB
ijosar-1125	242	7	insurance	insurance	NOUN
ijosar-1125	242	8	literacy	literacy	NOUN
ijosar-1125	242	9	with	with	ADP
ijosar-1125	242	10	duration	duration	NOUN
ijosar-1125	242	11	of	of	ADP
ijosar-1125	242	12	enrolment	enrolment	NOUN
ijosar-1125	242	13	and	and	CCONJ
ijosar-1125	242	14	satisfaction	satisfaction	NOUN
ijosar-1125	242	15	.	.	PUNCT
ijosar-1125	243	1	in	in	ADP
ijosar-1125	243	2	a	a	DET
ijosar-1125	243	3	theoretical	theoretical	ADJ
ijosar-1125	243	4	perceptive	perceptive	NOUN
ijosar-1125	243	5	,	,	PUNCT
ijosar-1125	243	6	this	this	DET
ijosar-1125	243	7	outcome	outcome	NOUN
ijosar-1125	243	8	anchors	anchor	NOUN
ijosar-1125	243	9	on	on	ADP
ijosar-1125	243	10	the	the	DET
ijosar-1125	243	11	theory	theory	NOUN
ijosar-1125	243	12	of	of	ADP
ijosar-1125	243	13	planned	plan	VERB
ijosar-1125	243	14	behavior	behavior	NOUN
ijosar-1125	243	15	(	(	PUNCT
ijosar-1125	243	16	tpb	tpb	NOUN
ijosar-1125	243	17	)	)	PUNCT
ijosar-1125	243	18	,	,	PUNCT
ijosar-1125	243	19	where	where	SCONJ
ijosar-1125	243	20	held	hold	VERB
ijosar-1125	243	21	in	in	ADP
ijosar-1125	243	22	understanding	understanding	NOUN
ijosar-1125	243	23	increases	increase	VERB
ijosar-1125	243	24	the	the	DET
ijosar-1125	243	25	perceived	perceive	VERB
ijosar-1125	243	26	behavioral	behavioral	ADJ
ijosar-1125	243	27	control	control	NOUN
ijosar-1125	243	28	that	that	PRON
ijosar-1125	243	29	intensifies	intensify	VERB
ijosar-1125	243	30	intention	intention	NOUN
ijosar-1125	243	31	to	to	PART
ijosar-1125	243	32	act	act	VERB
ijosar-1125	243	33	.	.	PUNCT
ijosar-1125	244	1	the	the	DET
ijosar-1125	244	2	unstandardized	unstandardized	ADJ
ijosar-1125	244	3	effect	effect	NOUN
ijosar-1125	244	4	is	be	AUX
ijosar-1125	244	5	the	the	DET
ijosar-1125	244	6	strongest	strong	ADJ
ijosar-1125	244	7	in	in	ADP
ijosar-1125	244	8	terms	term	NOUN
ijosar-1125	244	9	of	of	ADP
ijosar-1125	244	10	skills	skill	NOUN
ijosar-1125	244	11	(	(	PUNCT
ijosar-1125	244	12	β	β	X
ijosar-1125	244	13	=	=	SYM
ijosar-1125	244	14	0.490	0.490	NUM
ijosar-1125	244	15	,	,	PUNCT
ijosar-1125	244	16	p	p	X
ijosar-1125	244	17	=	=	NOUN
ijosar-1125	244	18	0.000	0.000	NUM
ijosar-1125	244	19	)	)	PUNCT
ijosar-1125	244	20	,	,	PUNCT
ijosar-1125	244	21	which	which	PRON
ijosar-1125	244	22	indicates	indicate	VERB
ijosar-1125	244	23	that	that	SCONJ
ijosar-1125	244	24	the	the	DET
ijosar-1125	244	25	application	application	NOUN
ijosar-1125	244	26	of	of	ADP
ijosar-1125	244	27	some	some	DET
ijosar-1125	244	28	practical	practical	ADJ
ijosar-1125	244	29	competencies	competency	NOUN
ijosar-1125	244	30	,	,	PUNCT
ijosar-1125	244	31	including	include	VERB
ijosar-1125	244	32	the	the	DET
ijosar-1125	244	33	calculation	calculation	NOUN
ijosar-1125	244	34	of	of	ADP
ijosar-1125	244	35	premiums	premium	NOUN
ijosar-1125	244	36	,	,	PUNCT
ijosar-1125	244	37	the	the	DET
ijosar-1125	244	38	awareness	awareness	NOUN
ijosar-1125	244	39	of	of	ADP
ijosar-1125	244	40	terms	term	NOUN
ijosar-1125	244	41	,	,	PUNCT
ijosar-1125	244	42	or	or	CCONJ
ijosar-1125	244	43	policy	policy	NOUN
ijosar-1125	244	44	comparison	comparison	NOUN
ijosar-1125	244	45	,	,	PUNCT
ijosar-1125	244	46	greatly	greatly	ADV
ijosar-1125	244	47	favor	favor	VERB
ijosar-1125	244	48	the	the	DET
ijosar-1125	244	49	adoption	adoption	NOUN
ijosar-1125	244	50	of	of	ADP
ijosar-1125	244	51	insurance	insurance	NOUN
ijosar-1125	244	52	.	.	PUNCT
ijosar-1125	245	1	this	this	PRON
ijosar-1125	245	2	is	be	AUX
ijosar-1125	245	3	in	in	ADP
ijosar-1125	245	4	line	line	NOUN
ijosar-1125	245	5	with	with	ADP
ijosar-1125	245	6	the	the	DET
ijosar-1125	245	7	study	study	NOUN
ijosar-1125	245	8	conducted	conduct	VERB
ijosar-1125	245	9	by	by	ADP
ijosar-1125	245	10	kiplagat	kiplagat	NOUN
ijosar-1125	245	11	and	and	CCONJ
ijosar-1125	245	12	ndungu	ndungu	NOUN
ijosar-1125	245	13	(	(	PUNCT
ijosar-1125	245	14	2021	2021	NUM
ijosar-1125	245	15	)	)	PUNCT
ijosar-1125	245	16	,	,	PUNCT
ijosar-1125	245	17	which	which	PRON
ijosar-1125	245	18	revealed	reveal	VERB
ijosar-1125	245	19	that	that	SCONJ
ijosar-1125	245	20	technical	technical	ADJ
ijosar-1125	245	21	ability	ability	NOUN
ijosar-1125	245	22	enhances	enhance	VERB
ijosar-1125	245	23	the	the	DET
ijosar-1125	245	24	uptake	uptake	NOUN
ijosar-1125	245	25	of	of	ADP
ijosar-1125	245	26	insurance	insurance	NOUN
ijosar-1125	245	27	among	among	ADP
ijosar-1125	245	28	smes	sme	NOUN
ijosar-1125	245	29	in	in	ADP
ijosar-1125	245	30	kenya	kenya	PROPN
ijosar-1125	245	31	.	.	PUNCT
ijosar-1125	246	1	it	it	PRON
ijosar-1125	246	2	also	also	ADV
ijosar-1125	246	3	supports	support	VERB
ijosar-1125	246	4	the	the	DET
ijosar-1125	246	5	claim	claim	NOUN
ijosar-1125	246	6	of	of	ADP
ijosar-1125	246	7	gin	gin	NOUN
ijosar-1125	246	8	and	and	CCONJ
ijosar-1125	246	9	yang	yang	PROPN
ijosar-1125	246	10	(	(	PUNCT
ijosar-1125	246	11	2009	2009	NUM
ijosar-1125	246	12	)	)	PUNCT
ijosar-1125	246	13	with	with	ADP
ijosar-1125	246	14	respect	respect	NOUN
ijosar-1125	246	15	to	to	ADP
ijosar-1125	246	16	the	the	DET
ijosar-1125	246	17	finding	finding	NOUN
ijosar-1125	246	18	that	that	PRON
ijosar-1125	246	19	does	do	AUX
ijosar-1125	246	20	adjust	adjust	VERB
ijosar-1125	246	21	education	education	NOUN
ijosar-1125	246	22	that	that	PRON
ijosar-1125	246	23	boosts	boost	VERB
ijosar-1125	246	24	insurance	insurance	NOUN
ijosar-1125	246	25	adoption	adoption	NOUN
ijosar-1125	246	26	in	in	ADP
ijosar-1125	246	27	households	household	NOUN
ijosar-1125	246	28	in	in	ADP
ijosar-1125	246	29	rural	rural	ADJ
ijosar-1125	246	30	settings	setting	NOUN
ijosar-1125	246	31	.	.	PUNCT
ijosar-1125	247	1	tpb	tpb	NOUN
ijosar-1125	247	2	is	be	AUX
ijosar-1125	247	3	a	a	DET
ijosar-1125	247	4	contributing	contribute	VERB
ijosar-1125	247	5	factor	factor	NOUN
ijosar-1125	247	6	too	too	ADV
ijosar-1125	247	7	since	since	SCONJ
ijosar-1125	247	8	those	those	PRON
ijosar-1125	247	9	who	who	PRON
ijosar-1125	247	10	feel	feel	VERB
ijosar-1125	247	11	they	they	PRON
ijosar-1125	247	12	can	can	AUX
ijosar-1125	247	13	act	act	VERB
ijosar-1125	247	14	competently	competently	ADV
ijosar-1125	247	15	are	be	AUX
ijosar-1125	247	16	likely	likely	ADV
ijosar-1125	247	17	going	go	VERB
ijosar-1125	247	18	to	to	PART
ijosar-1125	247	19	take	take	VERB
ijosar-1125	247	20	a	a	DET
ijosar-1125	247	21	step	step	NOUN
ijosar-1125	247	22	toward	toward	ADP
ijosar-1125	247	23	enrollment	enrollment	NOUN
ijosar-1125	247	24	in	in	ADP
ijosar-1125	247	25	insurance	insurance	NOUN
ijosar-1125	247	26	coverage	coverage	NOUN
ijosar-1125	247	27	.	.	PUNCT
ijosar-1125	248	1	the	the	DET
ijosar-1125	248	2	coefficient	coefficient	NOUN
ijosar-1125	248	3	of	of	ADP
ijosar-1125	248	4	behavior	behavior	NOUN
ijosar-1125	248	5	is	be	AUX
ijosar-1125	248	6	(	(	PUNCT
ijosar-1125	248	7	β=	β=	NOUN
ijosar-1125	248	8	0.300,p	0.300,p	NUM
ijosar-1125	248	9	=	=	SYM
ijosar-1125	248	10	0.001	0.001	NUM
ijosar-1125	248	11	)	)	PUNCT
ijosar-1125	248	12	,	,	PUNCT
ijosar-1125	248	13	meaning	mean	VERB
ijosar-1125	248	14	that	that	SCONJ
ijosar-1125	248	15	the	the	DET
ijosar-1125	248	16	practice	practice	NOUN
ijosar-1125	248	17	of	of	ADP
ijosar-1125	248	18	paying	pay	VERB
ijosar-1125	248	19	premiums	premium	NOUN
ijosar-1125	248	20	,	,	PUNCT
ijosar-1125	248	21	renewing	renew	VERB
ijosar-1125	248	22	the	the	DET
ijosar-1125	248	23	insurance	insurance	NOUN
ijosar-1125	248	24	policies	policy	NOUN
ijosar-1125	248	25	,	,	PUNCT
ijosar-1125	248	26	and	and	CCONJ
ijosar-1125	248	27	frequently	frequently	ADV
ijosar-1125	248	28	saving	save	VERB
ijosar-1125	248	29	money	money	NOUN
ijosar-1125	248	30	to	to	PART
ijosar-1125	248	31	cover	cover	VERB
ijosar-1125	248	32	those	those	DET
ijosar-1125	248	33	soon	soon	ADV
ijosar-1125	248	34	to	to	PART
ijosar-1125	248	35	be	be	AUX
ijosar-1125	248	36	paid	pay	VERB
ijosar-1125	248	37	premiums	premium	NOUN
ijosar-1125	248	38	will	will	AUX
ijosar-1125	248	39	have	have	VERB
ijosar-1125	248	40	positive	positive	ADJ
ijosar-1125	248	41	effects	effect	NOUN
ijosar-1125	248	42	on	on	ADP
ijosar-1125	248	43	the	the	DET
ijosar-1125	248	44	uptake	uptake	NOUN
ijosar-1125	248	45	.	.	PUNCT
ijosar-1125	249	1	the	the	DET
ijosar-1125	249	2	relevance	relevance	NOUN
ijosar-1125	249	3	of	of	ADP
ijosar-1125	249	4	this	this	DET
ijosar-1125	249	5	finding	finding	NOUN
ijosar-1125	249	6	can	can	AUX
ijosar-1125	249	7	be	be	AUX
ijosar-1125	249	8	aligned	align	VERB
ijosar-1125	249	9	with	with	ADP
ijosar-1125	249	10	the	the	DET
ijosar-1125	249	11	findings	finding	NOUN
ijosar-1125	249	12	of	of	ADP
ijosar-1125	249	13	rukundo	rukundo	PROPN
ijosar-1125	249	14	et	et	PROPN
ijosar-1125	249	15	al	al	PROPN
ijosar-1125	249	16	.	.	PROPN
ijosar-1125	250	1	(	(	PUNCT
ijosar-1125	250	2	2019	2019	NUM
ijosar-1125	250	3	)	)	PUNCT
ijosar-1125	250	4	whose	whose	DET
ijosar-1125	250	5	behavioral	behavioral	ADJ
ijosar-1125	250	6	attributes	attribute	VERB
ijosar-1125	250	7	such	such	ADJ
ijosar-1125	250	8	as	as	ADP
ijosar-1125	250	9	saving	save	VERB
ijosar-1125	250	10	differently	differently	ADV
ijosar-1125	250	11	and	and	CCONJ
ijosar-1125	250	12	interest	interest	NOUN
ijosar-1125	250	13	in	in	ADP
ijosar-1125	250	14	insurance	insurance	NOUN
ijosar-1125	250	15	were	be	AUX
ijosar-1125	250	16	ranked	rank	VERB
ijosar-1125	250	17	highly	highly	ADV
ijosar-1125	250	18	when	when	SCONJ
ijosar-1125	250	19	it	it	PRON
ijosar-1125	250	20	came	come	VERB
ijosar-1125	250	21	to	to	ADP
ijosar-1125	250	22	predicting	predict	VERB
ijosar-1125	250	23	the	the	DET
ijosar-1125	250	24	uptake	uptake	NOUN
ijosar-1125	250	25	in	in	ADP
ijosar-1125	250	26	uganda	uganda	PROPN
ijosar-1125	250	27	.	.	PUNCT
ijosar-1125	251	1	also	also	ADV
ijosar-1125	251	2	,	,	PUNCT
ijosar-1125	251	3	zhang	zhang	PROPN
ijosar-1125	251	4	et	et	PROPN
ijosar-1125	251	5	al	al	PROPN
ijosar-1125	251	6	.	.	PROPN
ijosar-1125	251	7	(	(	PUNCT
ijosar-1125	251	8	2020	2020	NUM
ijosar-1125	251	9	)	)	PUNCT
ijosar-1125	251	10	ijo	ijo	PROPN
ijosar-1125	251	11	journals	journal	NOUN
ijosar-1125	251	12	volume	volume	NOUN
ijosar-1125	251	13	08	08	NUM
ijosar-1125	252	1	|	|	ADV
ijosar-1125	252	2	issue	issue	NOUN
ijosar-1125	252	3	08	08	NUM
ijosar-1125	253	1	|	|	ADV
ijosar-1125	253	2	august	august	PROPN
ijosar-1125	253	3	2025	2025	NUM
ijosar-1125	254	1	|	|	ADV
ijosar-1125	254	2	https://ijojournals.com/index.php/ssh/index	https://ijojournals.com/index.php/ssh/index	NOUN
ijosar-1125	254	3	79	79	NUM
ijosar-1125	254	4	ijointernational	ijointernational	ADJ
ijosar-1125	254	5	journal	journal	NOUN
ijosar-1125	254	6	of	of	ADP
ijosar-1125	254	7	social	social	ADJ
ijosar-1125	254	8	science	science	NOUN
ijosar-1125	254	9	and	and	CCONJ
ijosar-1125	254	10	humanities	humanity	NOUN
ijosar-1125	254	11	research	research	NOUN
ijosar-1125	254	12	(	(	PUNCT
ijosar-1125	254	13	issn	issn	PROPN
ijosar-1125	254	14	2811	2811	NUM
ijosar-1125	254	15	-	-	SYM
ijosar-1125	254	16	2466	2466	NUM
ijosar-1125	254	17	)	)	PUNCT
ijosar-1125	254	18	obiora	obiora	PROPN
ijosar-1125	254	19	peters	peters	PROPN
ijosar-1125	254	20	,	,	PUNCT
ijosar-1125	254	21	emeka	emeka	VERB
ijosar-1125	254	22	phd1	phd1	PROPN
ijosar-1125	254	23	*	*	PUNCT
ijosar-1125	254	24	https://ijojournals.com/	https://ijojournals.com/	PROPN
ijosar-1125	254	25	volume	volume	NOUN
ijosar-1125	254	26	08	08	NUM
ijosar-1125	255	1	||	||	PROPN
ijosar-1125	255	2	issue	issue	NOUN
ijosar-1125	255	3	08	08	NUM
ijosar-1125	255	4	||	||	NOUN
ijosar-1125	255	5	august	august	PROPN
ijosar-1125	255	6	,	,	PUNCT
ijosar-1125	255	7	2025	2025	NUM
ijosar-1125	255	8	||	||	PUNCT
ijosar-1125	256	1	“	"	PUNCT
ijosar-1125	256	2	determinants	determinant	NOUN
ijosar-1125	256	3	of	of	ADP
ijosar-1125	256	4	insurance	insurance	NOUN
ijosar-1125	256	5	uptake	uptake	ADJ
ijosar-1125	256	6	in	in	ADP
ijosar-1125	256	7	rwanda	rwanda	PROPN
ijosar-1125	256	8	a	a	DET
ijosar-1125	256	9	case	case	NOUN
ijosar-1125	256	10	study	study	NOUN
ijosar-1125	256	11	of	of	ADP
ijosar-1125	256	12	radiant	radiant	ADJ
ijosar-1125	256	13	insurance	insurance	NOUN
ijosar-1125	256	14	company	company	NOUN
ijosar-1125	256	15	limited	limit	VERB
ijosar-1125	256	16	(	(	PUNCT
ijosar-1125	256	17	2020	2020	NUM
ijosar-1125	256	18	-	-	SYM
ijosar-1125	256	19	2024	2024	NUM
ijosar-1125	256	20	)	)	PUNCT
ijosar-1125	256	21	"	"	PUNCT
ijosar-1125	256	22	mentioned	mention	VERB
ijosar-1125	256	23	behavior	behavior	NOUN
ijosar-1125	256	24	as	as	ADP
ijosar-1125	256	25	a	a	DET
ijosar-1125	256	26	mediator	mediator	NOUN
ijosar-1125	256	27	of	of	ADP
ijosar-1125	256	28	the	the	DET
ijosar-1125	256	29	financial	financial	ADJ
ijosar-1125	256	30	decision	decision	NOUN
ijosar-1125	256	31	-	-	PUNCT
ijosar-1125	256	32	making	making	NOUN
ijosar-1125	256	33	as	as	ADV
ijosar-1125	256	34	well	well	ADV
ijosar-1125	256	35	as	as	ADP
ijosar-1125	256	36	its	its	PRON
ijosar-1125	256	37	contribution	contribution	NOUN
ijosar-1125	256	38	to	to	ADP
ijosar-1125	256	39	longlasting	longlaste	VERB
ijosar-1125	256	40	insurance	insurance	NOUN
ijosar-1125	256	41	engagement	engagement	NOUN
ijosar-1125	256	42	.	.	PUNCT
ijosar-1125	257	1	tpb	tpb	NOUN
ijosar-1125	257	2	reinforces	reinforce	VERB
ijosar-1125	257	3	this	this	PRON
ijosar-1125	257	4	once	once	ADV
ijosar-1125	257	5	more	more	ADV
ijosar-1125	257	6	in	in	ADP
ijosar-1125	257	7	that	that	DET
ijosar-1125	257	8	behavior	behavior	NOUN
ijosar-1125	257	9	is	be	AUX
ijosar-1125	257	10	based	base	VERB
ijosar-1125	257	11	on	on	ADP
ijosar-1125	257	12	attitudes	attitude	NOUN
ijosar-1125	257	13	and	and	CCONJ
ijosar-1125	257	14	intentions	intention	NOUN
ijosar-1125	257	15	formed	form	VERB
ijosar-1125	257	16	as	as	ADP
ijosar-1125	257	17	part	part	NOUN
ijosar-1125	257	18	of	of	ADP
ijosar-1125	257	19	belief	belief	NOUN
ijosar-1125	257	20	system	system	NOUN
ijosar-1125	257	21	and	and	CCONJ
ijosar-1125	257	22	prior	prior	ADJ
ijosar-1125	257	23	action	action	NOUN
ijosar-1125	257	24	.	.	PUNCT
ijosar-1125	258	1	the	the	DET
ijosar-1125	258	2	accessibility	accessibility	NOUN
ijosar-1125	258	3	coefficient	coefficient	VERB
ijosar-1125	258	4	is(β=	is(β=	NOUN
ijosar-1125	258	5	0.336	0.336	NOUN
ijosar-1125	258	6	,	,	PUNCT
ijosar-1125	258	7	p=0.001	p=0.001	NUM
ijosar-1125	258	8	)	)	PUNCT
ijosar-1125	258	9	with	with	ADP
ijosar-1125	258	10	standard	standard	ADJ
ijosar-1125	258	11	error	error	NOUN
ijosar-1125	258	12	of	of	ADP
ijosar-1125	258	13	0.048	0.048	NUM
ijosar-1125	258	14	;	;	PUNCT
ijosar-1125	258	15	the	the	DET
ijosar-1125	258	16	standardized	standardized	ADJ
ijosar-1125	258	17	beta	beta	NOUN
ijosar-1125	258	18	is	be	AUX
ijosar-1125	258	19	0.400	0.400	NUM
ijosar-1125	258	20	.	.	PUNCT
ijosar-1125	259	1	it	it	PRON
ijosar-1125	259	2	implies	imply	VERB
ijosar-1125	259	3	that	that	SCONJ
ijosar-1125	259	4	accessibility	accessibility	NOUN
ijosar-1125	259	5	determines	determine	VERB
ijosar-1125	259	6	insurance	insurance	NOUN
ijosar-1125	259	7	uptake	uptake	ADJ
ijosar-1125	259	8	in	in	ADP
ijosar-1125	259	9	a	a	DET
ijosar-1125	259	10	positive	positive	ADJ
ijosar-1125	259	11	and	and	CCONJ
ijosar-1125	259	12	statistically	statistically	ADV
ijosar-1125	259	13	significant	significant	ADJ
ijosar-1125	259	14	manner	manner	NOUN
ijosar-1125	259	15	having	have	VERB
ijosar-1125	259	16	an	an	DET
ijosar-1125	259	17	average	average	ADJ
ijosar-1125	259	18	statistical	statistical	ADJ
ijosar-1125	259	19	significance	significance	NOUN
ijosar-1125	259	20	of	of	ADP
ijosar-1125	259	21	1	1	NUM
ijosar-1125	259	22	percent	percent	NOUN
ijosar-1125	259	23	.	.	PUNCT
ijosar-1125	260	1	what	what	PRON
ijosar-1125	260	2	this	this	PRON
ijosar-1125	260	3	implies	imply	VERB
ijosar-1125	260	4	in	in	ADP
ijosar-1125	260	5	practice	practice	NOUN
ijosar-1125	260	6	is	be	AUX
ijosar-1125	260	7	that	that	SCONJ
ijosar-1125	260	8	when	when	SCONJ
ijosar-1125	260	9	it	it	PRON
ijosar-1125	260	10	becomes	become	VERB
ijosar-1125	260	11	easier	easy	ADJ
ijosar-1125	260	12	to	to	PART
ijosar-1125	260	13	access	access	VERB
ijosar-1125	260	14	the	the	DET
ijosar-1125	260	15	insurance	insurance	NOUN
ijosar-1125	260	16	services	service	NOUN
ijosar-1125	260	17	or	or	CCONJ
ijosar-1125	260	18	avenues	avenue	NOUN
ijosar-1125	260	19	,	,	PUNCT
ijosar-1125	260	20	such	such	ADJ
ijosar-1125	260	21	as	as	ADP
ijosar-1125	260	22	locating	locate	VERB
ijosar-1125	260	23	branch	branch	NOUN
ijosar-1125	260	24	offices	office	NOUN
ijosar-1125	260	25	,	,	PUNCT
ijosar-1125	260	26	making	make	VERB
ijosar-1125	260	27	it	it	PRON
ijosar-1125	260	28	convenient	convenient	ADJ
ijosar-1125	260	29	to	to	PART
ijosar-1125	260	30	locate	locate	VERB
ijosar-1125	260	31	an	an	DET
ijosar-1125	260	32	insurance	insurance	NOUN
ijosar-1125	260	33	professional	professional	ADJ
ijosar-1125	260	34	or	or	CCONJ
ijosar-1125	260	35	simplifying	simplify	VERB
ijosar-1125	260	36	online	online	ADJ
ijosar-1125	260	37	systems	system	NOUN
ijosar-1125	260	38	,	,	PUNCT
ijosar-1125	260	39	the	the	DET
ijosar-1125	260	40	chances	chance	NOUN
ijosar-1125	260	41	of	of	ADP
ijosar-1125	260	42	the	the	DET
ijosar-1125	260	43	client	client	NOUN
ijosar-1125	260	44	availing	availing	NOUN
ijosar-1125	260	45	insurance	insurance	NOUN
ijosar-1125	260	46	becomes	become	VERB
ijosar-1125	260	47	very	very	ADV
ijosar-1125	260	48	high	high	ADJ
ijosar-1125	260	49	.	.	PUNCT
ijosar-1125	261	1	the	the	DET
ijosar-1125	261	2	implication	implication	NOUN
ijosar-1125	261	3	of	of	ADP
ijosar-1125	261	4	this	this	DET
ijosar-1125	261	5	finding	finding	NOUN
ijosar-1125	261	6	is	be	AUX
ijosar-1125	261	7	that	that	SCONJ
ijosar-1125	261	8	accessibility	accessibility	NOUN
ijosar-1125	261	9	of	of	ADP
ijosar-1125	261	10	the	the	DET
ijosar-1125	261	11	insurance	insurance	NOUN
ijosar-1125	261	12	services	service	NOUN
ijosar-1125	261	13	is	be	AUX
ijosar-1125	261	14	a	a	DET
ijosar-1125	261	15	key	key	ADJ
ijosar-1125	261	16	requirement	requirement	NOUN
ijosar-1125	261	17	in	in	ADP
ijosar-1125	261	18	customer	customer	NOUN
ijosar-1125	261	19	engagement	engagement	NOUN
ijosar-1125	261	20	and	and	CCONJ
ijosar-1125	261	21	enrolment	enrolment	NOUN
ijosar-1125	261	22	of	of	ADP
ijosar-1125	261	23	policies	policy	NOUN
ijosar-1125	261	24	.	.	PUNCT
ijosar-1125	262	1	existence	existence	NOUN
ijosar-1125	262	2	such	such	ADJ
ijosar-1125	262	3	as	as	ADP
ijosar-1125	262	4	distance	distance	NOUN
ijosar-1125	262	5	,	,	PUNCT
ijosar-1125	262	6	weak	weak	ADJ
ijosar-1125	262	7	distribution	distribution	NOUN
ijosar-1125	262	8	channel	channel	NOUN
ijosar-1125	262	9	or	or	CCONJ
ijosar-1125	262	10	presence	presence	NOUN
ijosar-1125	262	11	of	of	ADP
ijosar-1125	262	12	agents	agent	NOUN
ijosar-1125	262	13	may	may	AUX
ijosar-1125	262	14	be	be	AUX
ijosar-1125	262	15	a	a	DET
ijosar-1125	262	16	deterrent	deterrent	NOUN
ijosar-1125	262	17	to	to	ADP
ijosar-1125	262	18	those	those	DET
ijosar-1125	262	19	potential	potential	ADJ
ijosar-1125	262	20	clients	client	NOUN
ijosar-1125	262	21	particularly	particularly	ADV
ijosar-1125	262	22	the	the	DET
ijosar-1125	262	23	under	under	ADV
ijosar-1125	262	24	-	-	PUNCT
ijosar-1125	262	25	served	serve	VERB
ijosar-1125	262	26	neighborhood	neighborhood	NOUN
ijosar-1125	262	27	.	.	PUNCT
ijosar-1125	263	1	the	the	DET
ijosar-1125	263	2	strategies	strategy	NOUN
ijosar-1125	263	3	to	to	PART
ijosar-1125	263	4	make	make	VERB
ijosar-1125	263	5	services	service	NOUN
ijosar-1125	263	6	closer	close	ADJ
ijosar-1125	263	7	to	to	ADP
ijosar-1125	263	8	the	the	DET
ijosar-1125	263	9	clients	client	NOUN
ijosar-1125	263	10	via	via	ADP
ijosar-1125	263	11	mobile	mobile	ADJ
ijosar-1125	263	12	platform	platform	NOUN
ijosar-1125	263	13	,	,	PUNCT
ijosar-1125	263	14	expansion	expansion	NOUN
ijosar-1125	263	15	of	of	ADP
ijosar-1125	263	16	the	the	DET
ijosar-1125	263	17	branch	branch	NOUN
ijosar-1125	263	18	facilities	facility	NOUN
ijosar-1125	263	19	or	or	CCONJ
ijosar-1125	263	20	development	development	NOUN
ijosar-1125	263	21	of	of	ADP
ijosar-1125	263	22	agent	agent	NOUN
ijosar-1125	263	23	networks	network	NOUN
ijosar-1125	263	24	will	will	AUX
ijosar-1125	263	25	thus	thus	ADV
ijosar-1125	263	26	be	be	AUX
ijosar-1125	263	27	of	of	ADP
ijosar-1125	263	28	benefit	benefit	NOUN
ijosar-1125	263	29	to	to	ADP
ijosar-1125	263	30	radiant	radiant	ADJ
ijosar-1125	263	31	insurance	insurance	NOUN
ijosar-1125	263	32	company	company	NOUN
ijosar-1125	263	33	.	.	PUNCT
ijosar-1125	264	1	the	the	DET
ijosar-1125	264	2	finding	finding	NOUN
ijosar-1125	264	3	is	be	AUX
ijosar-1125	264	4	also	also	ADV
ijosar-1125	264	5	in	in	ADP
ijosar-1125	264	6	line	line	NOUN
ijosar-1125	264	7	with	with	ADP
ijosar-1125	264	8	the	the	DET
ijosar-1125	264	9	theory	theory	NOUN
ijosar-1125	264	10	of	of	ADP
ijosar-1125	264	11	planned	plan	VERB
ijosar-1125	264	12	behavior	behavior	NOUN
ijosar-1125	264	13	(	(	PUNCT
ijosar-1125	264	14	tpb	tpb	NOUN
ijosar-1125	264	15	)	)	PUNCT
ijosar-1125	264	16	that	that	PRON
ijosar-1125	264	17	postulates	postulate	VERB
ijosar-1125	264	18	that	that	SCONJ
ijosar-1125	264	19	perceived	perceive	VERB
ijosar-1125	264	20	behavioral	behavioral	ADJ
ijosar-1125	264	21	control	control	NOUN
ijosar-1125	264	22	is	be	AUX
ijosar-1125	264	23	strengthened	strengthen	VERB
ijosar-1125	264	24	using	use	VERB
ijosar-1125	264	25	easier	easy	ADJ
ijosar-1125	264	26	access	access	NOUN
ijosar-1125	264	27	,	,	PUNCT
ijosar-1125	264	28	which	which	PRON
ijosar-1125	264	29	makes	make	VERB
ijosar-1125	264	30	an	an	DET
ijosar-1125	264	31	individual	individual	NOUN
ijosar-1125	264	32	feel	feel	VERB
ijosar-1125	264	33	better	well	ADV
ijosar-1125	264	34	able	able	ADJ
ijosar-1125	264	35	to	to	PART
ijosar-1125	264	36	perform	perform	VERB
ijosar-1125	264	37	an	an	DET
ijosar-1125	264	38	action	action	NOUN
ijosar-1125	264	39	(	(	PUNCT
ijosar-1125	264	40	in	in	ADP
ijosar-1125	264	41	the	the	DET
ijosar-1125	264	42	instance	instance	NOUN
ijosar-1125	264	43	,	,	PUNCT
ijosar-1125	264	44	take	take	VERB
ijosar-1125	264	45	up	up	ADP
ijosar-1125	264	46	insurance	insurance	NOUN
ijosar-1125	264	47	)	)	PUNCT
ijosar-1125	264	48	.	.	PUNCT
ijosar-1125	265	1	greater	great	ADJ
ijosar-1125	265	2	accessibility	accessibility	NOUN
ijosar-1125	265	3	creates	create	VERB
ijosar-1125	265	4	fewer	few	ADJ
ijosar-1125	265	5	barriers	barrier	NOUN
ijosar-1125	265	6	to	to	ADP
ijosar-1125	265	7	the	the	DET
ijosar-1125	265	8	decision	decision	NOUN
ijosar-1125	265	9	-	-	PUNCT
ijosar-1125	265	10	making	make	VERB
ijosar-1125	265	11	process	process	NOUN
ijosar-1125	265	12	,	,	PUNCT
ijosar-1125	265	13	and	and	CCONJ
ijosar-1125	265	14	thus	thus	ADV
ijosar-1125	265	15	the	the	DET
ijosar-1125	265	16	adoption	adoption	NOUN
ijosar-1125	265	17	of	of	ADP
ijosar-1125	265	18	insurance	insurance	NOUN
ijosar-1125	265	19	is	be	AUX
ijosar-1125	265	20	more	more	ADV
ijosar-1125	265	21	probable	probable	ADJ
ijosar-1125	265	22	.	.	PUNCT
ijosar-1125	266	1	it	it	PRON
ijosar-1125	266	2	also	also	ADV
ijosar-1125	266	3	conforms	conform	VERB
ijosar-1125	266	4	with	with	ADP
ijosar-1125	266	5	the	the	DET
ijosar-1125	266	6	findings	finding	NOUN
ijosar-1125	266	7	of	of	ADP
ijosar-1125	266	8	turyamureba	turyamureba	PROPN
ijosar-1125	266	9	,	,	PUNCT
ijosar-1125	266	10	yawe	yawe	NOUN
ijosar-1125	266	11	&	&	CCONJ
ijosar-1125	266	12	oryema	oryema	PROPN
ijosar-1125	266	13	(	(	PUNCT
ijosar-1125	266	14	2022	2022	NUM
ijosar-1125	266	15	)	)	PUNCT
ijosar-1125	266	16	in	in	ADP
ijosar-1125	266	17	uganda	uganda	PROPN
ijosar-1125	266	18	;	;	PUNCT
ijosar-1125	266	19	imoseme	imoseme	PROPN
ijosar-1125	266	20	&	&	CCONJ
ijosar-1125	266	21	chijuka	chijuka	PROPN
ijosar-1125	266	22	(	(	PUNCT
ijosar-1125	266	23	2024	2024	NUM
ijosar-1125	266	24	)	)	PUNCT
ijosar-1125	266	25	,	,	PUNCT
ijosar-1125	266	26	rukundo	rukundo	VERB
ijosar-1125	266	27	et	et	PROPN
ijosar-1125	266	28	al	al	PROPN
ijosar-1125	266	29	.	.	PROPN
ijosar-1125	267	1	(	(	PUNCT
ijosar-1125	267	2	2019	2019	NUM
ijosar-1125	267	3	)	)	PUNCT
ijosar-1125	267	4	,	,	PUNCT
ijosar-1125	267	5	as	as	SCONJ
ijosar-1125	267	6	it	it	PRON
ijosar-1125	267	7	is	be	AUX
ijosar-1125	267	8	opposed	oppose	VERB
ijosar-1125	267	9	to	to	ADP
ijosar-1125	267	10	kiplagat	kiplagat	PROPN
ijosar-1125	267	11	&	&	CCONJ
ijosar-1125	267	12	ndung	ndung	PROPN
ijosar-1125	267	13	u	u	PROPN
ijosar-1125	267	14	(	(	PUNCT
ijosar-1125	267	15	2021	2021	NUM
ijosar-1125	267	16	)	)	PUNCT
ijosar-1125	267	17	and	and	CCONJ
ijosar-1125	267	18	wasike	wasike	INTJ
ijosar-1125	267	19	(	(	PUNCT
ijosar-1125	267	20	2019	2019	NUM
ijosar-1125	267	21	)	)	PUNCT
ijosar-1125	267	22	who	who	PRON
ijosar-1125	267	23	stated	state	VERB
ijosar-1125	267	24	that	that	SCONJ
ijosar-1125	267	25	accessibility	accessibility	NOUN
ijosar-1125	267	26	had	have	AUX
ijosar-1125	267	27	not	not	PART
ijosar-1125	267	28	increased	increase	VERB
ijosar-1125	267	29	enrolment	enrolment	NOUN
ijosar-1125	267	30	even	even	ADV
ijosar-1125	267	31	when	when	SCONJ
ijosar-1125	267	32	it	it	PRON
ijosar-1125	267	33	was	be	AUX
ijosar-1125	267	34	enhanced	enhance	VERB
ijosar-1125	267	35	,	,	PUNCT
ijosar-1125	267	36	reporting	report	VERB
ijosar-1125	267	37	that	that	SCONJ
ijosar-1125	267	38	the	the	DET
ijosar-1125	267	39	motivating	motivating	NOUN
ijosar-1125	267	40	factors	factor	NOUN
ijosar-1125	267	41	were	be	AUX
ijosar-1125	267	42	suspect	suspect	ADJ
ijosar-1125	267	43	as	as	SCONJ
ijosar-1125	267	44	it	it	PRON
ijosar-1125	267	45	could	could	AUX
ijosar-1125	267	46	be	be	AUX
ijosar-1125	267	47	tied	tie	VERB
ijosar-1125	267	48	to	to	ADP
ijosar-1125	267	49	a	a	DET
ijosar-1125	267	50	lack	lack	NOUN
ijosar-1125	267	51	of	of	ADP
ijosar-1125	267	52	trust	trust	NOUN
ijosar-1125	267	53	in	in	ADP
ijosar-1125	267	54	insurance	insurance	NOUN
ijosar-1125	267	55	companies	company	NOUN
ijosar-1125	267	56	and	and	CCONJ
ijosar-1125	267	57	poor	poor	ADJ
ijosar-1125	267	58	literacy	literacy	NOUN
ijosar-1125	267	59	,	,	PUNCT
ijosar-1125	267	60	5.0	5.0	NUM
ijosar-1125	267	61	conclusion	conclusion	NOUN
ijosar-1125	267	62	and	and	CCONJ
ijosar-1125	267	63	recommendation	recommendation	NOUN
ijosar-1125	267	64	5.1	5.1	NUM
ijosar-1125	267	65	conclusion	conclusion	NOUN
ijosar-1125	267	66	the	the	DET
ijosar-1125	267	67	analysis	analysis	NOUN
ijosar-1125	267	68	looked	look	VERB
ijosar-1125	267	69	at	at	ADP
ijosar-1125	267	70	the	the	DET
ijosar-1125	267	71	major	major	ADJ
ijosar-1125	267	72	determinants	determinant	NOUN
ijosar-1125	267	73	that	that	PRON
ijosar-1125	267	74	impact	impact	NOUN
ijosar-1125	267	75	on	on	ADP
ijosar-1125	267	76	the	the	DET
ijosar-1125	267	77	adoption	adoption	NOUN
ijosar-1125	267	78	of	of	ADP
ijosar-1125	267	79	insurance	insurance	NOUN
ijosar-1125	267	80	among	among	ADP
ijosar-1125	267	81	the	the	DET
ijosar-1125	267	82	clients	client	NOUN
ijosar-1125	267	83	of	of	ADP
ijosar-1125	267	84	radiant	radiant	ADJ
ijosar-1125	267	85	insurance	insurance	NOUN
ijosar-1125	267	86	company	company	NOUN
ijosar-1125	267	87	limited	limit	VERB
ijosar-1125	267	88	in	in	ADP
ijosar-1125	267	89	rwanda	rwanda	PROPN
ijosar-1125	267	90	.	.	PUNCT
ijosar-1125	268	1	informed	inform	VERB
ijosar-1125	268	2	by	by	ADP
ijosar-1125	268	3	theory	theory	NOUN
ijosar-1125	268	4	of	of	ADP
ijosar-1125	268	5	planned	plan	VERB
ijosar-1125	268	6	behavior	behavior	NOUN
ijosar-1125	268	7	(	(	PUNCT
ijosar-1125	268	8	tpb	tpb	NOUN
ijosar-1125	268	9	)	)	PUNCT
ijosar-1125	268	10	,	,	PUNCT
ijosar-1125	268	11	it	it	PRON
ijosar-1125	268	12	was	be	AUX
ijosar-1125	268	13	found	find	VERB
ijosar-1125	268	14	that	that	SCONJ
ijosar-1125	268	15	there	there	PRON
ijosar-1125	268	16	are	be	VERB
ijosar-1125	268	17	significantly	significantly	ADV
ijosar-1125	268	18	positive	positive	ADJ
ijosar-1125	268	19	impacts	impact	NOUN
ijosar-1125	268	20	of	of	ADP
ijosar-1125	268	21	the	the	DET
ijosar-1125	268	22	knowledge	knowledge	NOUN
ijosar-1125	268	23	,	,	PUNCT
ijosar-1125	268	24	skills	skill	NOUN
ijosar-1125	268	25	,	,	PUNCT
ijosar-1125	268	26	behavior	behavior	NOUN
ijosar-1125	268	27	,	,	PUNCT
ijosar-1125	268	28	and	and	CCONJ
ijosar-1125	268	29	accessibility	accessibility	NOUN
ijosar-1125	268	30	towards	towards	ADP
ijosar-1125	268	31	insurance	insurance	NOUN
ijosar-1125	268	32	uptake	uptake	ADJ
ijosar-1125	268	33	.	.	PUNCT
ijosar-1125	269	1	of	of	ADP
ijosar-1125	269	2	these	these	PRON
ijosar-1125	269	3	,	,	PUNCT
ijosar-1125	269	4	skills	skill	NOUN
ijosar-1125	269	5	had	have	VERB
ijosar-1125	269	6	the	the	DET
ijosar-1125	269	7	greatest	great	ADJ
ijosar-1125	269	8	unstandardized	unstandardized	ADJ
ijosar-1125	269	9	effect	effect	NOUN
ijosar-1125	269	10	,	,	PUNCT
ijosar-1125	269	11	and	and	CCONJ
ijosar-1125	269	12	knowledge	knowledge	NOUN
ijosar-1125	269	13	had	have	VERB
ijosar-1125	269	14	the	the	DET
ijosar-1125	269	15	greatest	great	ADJ
ijosar-1125	269	16	standardized	standardized	ADJ
ijosar-1125	269	17	effect	effect	NOUN
ijosar-1125	269	18	.	.	PUNCT
ijosar-1125	270	1	the	the	DET
ijosar-1125	270	2	above	above	ADJ
ijosar-1125	270	3	findings	finding	NOUN
ijosar-1125	270	4	point	point	VERB
ijosar-1125	270	5	to	to	ADP
ijosar-1125	270	6	the	the	DET
ijosar-1125	270	7	importance	importance	NOUN
ijosar-1125	270	8	of	of	ADP
ijosar-1125	270	9	informational	informational	ADJ
ijosar-1125	270	10	and	and	CCONJ
ijosar-1125	270	11	behavioral	behavioral	ADJ
ijosar-1125	270	12	readiness	readiness	NOUN
ijosar-1125	270	13	in	in	ADP
ijosar-1125	270	14	the	the	DET
ijosar-1125	270	15	decision	decision	NOUN
ijosar-1125	270	16	to	to	PART
ijosar-1125	270	17	subscribe	subscribe	VERB
ijosar-1125	270	18	to	to	ADP
ijosar-1125	270	19	insurance	insurance	NOUN
ijosar-1125	270	20	.	.	PUNCT
ijosar-1125	271	1	it	it	PRON
ijosar-1125	271	2	was	be	AUX
ijosar-1125	271	3	also	also	ADV
ijosar-1125	271	4	corroborated	corroborate	VERB
ijosar-1125	271	5	by	by	ADP
ijosar-1125	271	6	the	the	DET
ijosar-1125	271	7	study	study	NOUN
ijosar-1125	271	8	that	that	SCONJ
ijosar-1125	271	9	the	the	DET
ijosar-1125	271	10	perceptions	perception	NOUN
ijosar-1125	271	11	of	of	ADP
ijosar-1125	271	12	the	the	DET
ijosar-1125	271	13	clients	client	NOUN
ijosar-1125	271	14	on	on	ADP
ijosar-1125	271	15	issues	issue	NOUN
ijosar-1125	271	16	of	of	ADP
ijosar-1125	271	17	affordability	affordability	NOUN
ijosar-1125	271	18	,	,	PUNCT
ijosar-1125	271	19	accessibility	accessibility	NOUN
ijosar-1125	271	20	,	,	PUNCT
ijosar-1125	271	21	reliability	reliability	NOUN
ijosar-1125	271	22	and	and	CCONJ
ijosar-1125	271	23	suitability	suitability	NOUN
ijosar-1125	271	24	of	of	ADP
ijosar-1125	271	25	the	the	DET
ijosar-1125	271	26	source	source	NOUN
ijosar-1125	271	27	have	have	VERB
ijosar-1125	271	28	different	different	ADJ
ijosar-1125	271	29	roles	role	NOUN
ijosar-1125	271	30	in	in	ADP
ijosar-1125	271	31	determining	determine	VERB
ijosar-1125	271	32	uptake	uptake	ADJ
ijosar-1125	271	33	and	and	CCONJ
ijosar-1125	271	34	that	that	SCONJ
ijosar-1125	271	35	suitability	suitability	NOUN
ijosar-1125	271	36	is	be	AUX
ijosar-1125	271	37	the	the	DET
ijosar-1125	271	38	most	most	ADV
ijosar-1125	271	39	affected	affected	ADJ
ijosar-1125	271	40	on	on	ADP
ijosar-1125	271	41	group	group	NOUN
ijosar-1125	271	42	concerns	concern	NOUN
ijosar-1125	271	43	.	.	PUNCT
ijosar-1125	272	1	in	in	ADP
ijosar-1125	272	2	total	total	NOUN
ijosar-1125	272	3	,	,	PUNCT
ijosar-1125	272	4	the	the	DET
ijosar-1125	272	5	findings	finding	NOUN
ijosar-1125	272	6	set	set	VERB
ijosar-1125	272	7	the	the	DET
ijosar-1125	272	8	significance	significance	NOUN
ijosar-1125	272	9	of	of	ADP
ijosar-1125	272	10	targeted	target	VERB
ijosar-1125	272	11	education	education	NOUN
ijosar-1125	272	12	,	,	PUNCT
ijosar-1125	272	13	empowerment	empowerment	NOUN
ijosar-1125	272	14	of	of	ADP
ijosar-1125	272	15	skills	skill	NOUN
ijosar-1125	272	16	,	,	PUNCT
ijosar-1125	272	17	and	and	CCONJ
ijosar-1125	272	18	change	change	NOUN
ijosar-1125	272	19	of	of	ADP
ijosar-1125	272	20	attitude	attitude	NOUN
ijosar-1125	272	21	towards	towards	ADP
ijosar-1125	272	22	improving	improve	VERB
ijosar-1125	272	23	insurance	insurance	NOUN
ijosar-1125	272	24	penetration	penetration	NOUN
ijosar-1125	272	25	in	in	ADP
ijosar-1125	272	26	the	the	DET
ijosar-1125	272	27	formal	formal	ADJ
ijosar-1125	272	28	insurance	insurance	NOUN
ijosar-1125	272	29	sector	sector	NOUN
ijosar-1125	272	30	in	in	ADP
ijosar-1125	272	31	rwanda	rwanda	PROPN
ijosar-1125	272	32	.	.	PUNCT
ijosar-1125	273	1	5.2	5.2	NUM
ijosar-1125	273	2	recommendation	recommendation	NOUN
ijosar-1125	273	3	leaning	lean	VERB
ijosar-1125	273	4	on	on	ADP
ijosar-1125	273	5	the	the	DET
ijosar-1125	273	6	result	result	NOUN
ijosar-1125	273	7	,	,	PUNCT
ijosar-1125	273	8	it	it	PRON
ijosar-1125	273	9	can	can	AUX
ijosar-1125	273	10	be	be	AUX
ijosar-1125	273	11	suggested	suggest	VERB
ijosar-1125	273	12	that	that	SCONJ
ijosar-1125	273	13	there	there	PRON
ijosar-1125	273	14	are	be	VERB
ijosar-1125	273	15	needs	need	NOUN
ijosar-1125	273	16	to	to	PART
ijosar-1125	273	17	be	be	AUX
ijosar-1125	273	18	an	an	DET
ijosar-1125	273	19	increased	increase	VERB
ijosar-1125	273	20	literacy	literacy	NOUN
ijosar-1125	273	21	of	of	ADP
ijosar-1125	273	22	the	the	DET
ijosar-1125	273	23	population	population	NOUN
ijosar-1125	273	24	on	on	ADP
ijosar-1125	273	25	the	the	DET
ijosar-1125	273	26	issues	issue	NOUN
ijosar-1125	273	27	of	of	ADP
ijosar-1125	273	28	insurance	insurance	NOUN
ijosar-1125	273	29	by	by	ADP
ijosar-1125	273	30	investing	invest	VERB
ijosar-1125	273	31	into	into	ADP
ijosar-1125	273	32	sustained	sustained	ADJ
ijosar-1125	273	33	educational	educational	ADJ
ijosar-1125	273	34	campaigns	campaign	NOUN
ijosar-1125	273	35	in	in	ADP
ijosar-1125	273	36	terms	term	NOUN
ijosar-1125	273	37	of	of	ADP
ijosar-1125	273	38	insurance	insurance	NOUN
ijosar-1125	273	39	knowledge	knowledge	NOUN
ijosar-1125	273	40	and	and	CCONJ
ijosar-1125	273	41	processes	process	NOUN
ijosar-1125	273	42	within	within	ADP
ijosar-1125	273	43	the	the	DET
ijosar-1125	273	44	population	population	NOUN
ijosar-1125	273	45	to	to	PART
ijosar-1125	273	46	enhance	enhance	VERB
ijosar-1125	273	47	the	the	DET
ijosar-1125	273	48	knowledge	knowledge	NOUN
ijosar-1125	273	49	-	-	PUNCT
ijosar-1125	273	50	based	base	VERB
ijosar-1125	273	51	decisionijo	decisionijo	NOUN
ijosar-1125	273	52	journals	journal	NOUN
ijosar-1125	273	53	volume	volume	NOUN
ijosar-1125	273	54	08	08	NUM
ijosar-1125	274	1	|	|	ADV
ijosar-1125	274	2	issue	issue	NOUN
ijosar-1125	274	3	08	08	NUM
ijosar-1125	275	1	|	|	ADV
ijosar-1125	275	2	august	august	PROPN
ijosar-1125	275	3	2025	2025	NUM
ijosar-1125	276	1	|	|	ADV
ijosar-1125	276	2	https://ijojournals.com/index.php/ssh/index	https://ijojournals.com/index.php/ssh/index	NOUN
ijosar-1125	276	3	80	80	NUM
ijosar-1125	276	4	ijointernational	ijointernational	ADJ
ijosar-1125	276	5	journal	journal	NOUN
ijosar-1125	276	6	of	of	ADP
ijosar-1125	276	7	social	social	ADJ
ijosar-1125	276	8	science	science	NOUN
ijosar-1125	276	9	and	and	CCONJ
ijosar-1125	276	10	humanities	humanity	NOUN
ijosar-1125	276	11	research	research	NOUN
ijosar-1125	276	12	(	(	PUNCT
ijosar-1125	276	13	issn	issn	PROPN
ijosar-1125	276	14	2811	2811	NUM
ijosar-1125	276	15	-	-	SYM
ijosar-1125	276	16	2466	2466	NUM
ijosar-1125	276	17	)	)	PUNCT
ijosar-1125	276	18	obiora	obiora	PROPN
ijosar-1125	276	19	peters	peters	PROPN
ijosar-1125	276	20	,	,	PUNCT
ijosar-1125	276	21	emeka	emeka	VERB
ijosar-1125	276	22	phd1	phd1	PROPN
ijosar-1125	276	23	*	*	PUNCT
ijosar-1125	276	24	https://ijojournals.com/	https://ijojournals.com/	PROPN
ijosar-1125	276	25	volume	volume	NOUN
ijosar-1125	276	26	08	08	NUM
ijosar-1125	277	1	||	||	PROPN
ijosar-1125	277	2	issue	issue	NOUN
ijosar-1125	277	3	08	08	NUM
ijosar-1125	277	4	||	||	NOUN
ijosar-1125	277	5	august	august	PROPN
ijosar-1125	277	6	,	,	PUNCT
ijosar-1125	277	7	2025	2025	NUM
ijosar-1125	277	8	||	||	PUNCT
ijosar-1125	278	1	“	"	PUNCT
ijosar-1125	278	2	determinants	determinant	NOUN
ijosar-1125	278	3	of	of	ADP
ijosar-1125	278	4	insurance	insurance	NOUN
ijosar-1125	278	5	uptake	uptake	ADJ
ijosar-1125	278	6	in	in	ADP
ijosar-1125	278	7	rwanda	rwanda	PROPN
ijosar-1125	278	8	a	a	DET
ijosar-1125	278	9	case	case	NOUN
ijosar-1125	278	10	study	study	NOUN
ijosar-1125	278	11	of	of	ADP
ijosar-1125	278	12	radiant	radiant	ADJ
ijosar-1125	278	13	insurance	insurance	NOUN
ijosar-1125	278	14	company	company	NOUN
ijosar-1125	278	15	limited	limit	VERB
ijosar-1125	278	16	(	(	PUNCT
ijosar-1125	278	17	2020	2020	NUM
ijosar-1125	278	18	-	-	SYM
ijosar-1125	278	19	2024	2024	NUM
ijosar-1125	278	20	)	)	PUNCT
ijosar-1125	278	21	"	"	PUNCT
ijosar-1125	278	22	making	make	VERB
ijosar-1125	278	23	.	.	PUNCT
ijosar-1125	279	1	the	the	DET
ijosar-1125	279	2	variations	variation	NOUN
ijosar-1125	279	3	in	in	ADP
ijosar-1125	279	4	suitability	suitability	NOUN
ijosar-1125	279	5	perceptions	perception	NOUN
ijosar-1125	279	6	should	should	AUX
ijosar-1125	279	7	be	be	AUX
ijosar-1125	279	8	addressed	address	VERB
ijosar-1125	279	9	by	by	ADP
ijosar-1125	279	10	having	have	VERB
ijosar-1125	279	11	insurance	insurance	NOUN
ijosar-1125	279	12	packages	package	NOUN
ijosar-1125	279	13	that	that	PRON
ijosar-1125	279	14	are	be	AUX
ijosar-1125	279	15	customer	customer	NOUN
ijosar-1125	279	16	-	-	PUNCT
ijosar-1125	279	17	centered	center	VERB
ijosar-1125	279	18	to	to	PART
ijosar-1125	279	19	cater	cater	VERB
ijosar-1125	279	20	to	to	ADP
ijosar-1125	279	21	unique	unique	ADJ
ijosar-1125	279	22	needs	need	NOUN
ijosar-1125	279	23	,	,	PUNCT
ijosar-1125	279	24	different	different	ADJ
ijosar-1125	279	25	life	life	NOUN
ijosar-1125	279	26	stages	stage	NOUN
ijosar-1125	279	27	and	and	CCONJ
ijosar-1125	279	28	income	income	NOUN
ijosar-1125	279	29	of	of	ADP
ijosar-1125	279	30	various	various	ADJ
ijosar-1125	279	31	customers	customer	NOUN
ijosar-1125	279	32	,	,	PUNCT
ijosar-1125	279	33	regardless	regardless	ADV
ijosar-1125	279	34	of	of	ADP
ijosar-1125	279	35	differences	difference	NOUN
ijosar-1125	279	36	in	in	ADP
ijosar-1125	279	37	suitability	suitability	NOUN
ijosar-1125	279	38	perceptions	perception	NOUN
ijosar-1125	279	39	.	.	PUNCT
ijosar-1125	280	1	there	there	PRON
ijosar-1125	280	2	should	should	AUX
ijosar-1125	280	3	be	be	AUX
ijosar-1125	280	4	workshops	workshop	NOUN
ijosar-1125	280	5	and	and	CCONJ
ijosar-1125	280	6	digital	digital	ADJ
ijosar-1125	280	7	tools	tool	NOUN
ijosar-1125	280	8	in	in	ADP
ijosar-1125	280	9	order	order	NOUN
ijosar-1125	280	10	to	to	PART
ijosar-1125	280	11	give	give	VERB
ijosar-1125	280	12	the	the	DET
ijosar-1125	280	13	clients	client	NOUN
ijosar-1125	280	14	the	the	DET
ijosar-1125	280	15	skills	skill	NOUN
ijosar-1125	280	16	of	of	ADP
ijosar-1125	280	17	comparing	compare	VERB
ijosar-1125	280	18	the	the	DET
ijosar-1125	280	19	policies	policy	NOUN
ijosar-1125	280	20	,	,	PUNCT
ijosar-1125	280	21	computing	compute	VERB
ijosar-1125	280	22	the	the	DET
ijosar-1125	280	23	premiums	premium	NOUN
ijosar-1125	280	24	and	and	CCONJ
ijosar-1125	280	25	knowledge	knowledge	NOUN
ijosar-1125	280	26	of	of	ADP
ijosar-1125	280	27	the	the	DET
ijosar-1125	280	28	claims	claim	NOUN
ijosar-1125	280	29	processes	process	NOUN
ijosar-1125	280	30	.	.	PUNCT
ijosar-1125	281	1	discounts	discount	NOUN
ijosar-1125	281	2	on	on	ADP
ijosar-1125	281	3	early	early	ADJ
ijosar-1125	281	4	renewal	renewal	NOUN
ijosar-1125	281	5	or	or	CCONJ
ijosar-1125	281	6	loyal	loyal	ADJ
ijosar-1125	281	7	bonuses	bonus	NOUN
ijosar-1125	281	8	are	be	AUX
ijosar-1125	281	9	some	some	DET
ijosar-1125	281	10	incentive	incentive	NOUN
ijosar-1125	281	11	schemes	scheme	NOUN
ijosar-1125	281	12	that	that	PRON
ijosar-1125	281	13	can	can	AUX
ijosar-1125	281	14	enhance	enhance	VERB
ijosar-1125	281	15	the	the	DET
ijosar-1125	281	16	client	client	NOUN
ijosar-1125	281	17	to	to	PART
ijosar-1125	281	18	follow	follow	VERB
ijosar-1125	281	19	through	through	ADP
ijosar-1125	281	20	insurance	insurance	NOUN
ijosar-1125	281	21	behavior	behavior	NOUN
ijosar-1125	281	22	therefore	therefore	ADV
ijosar-1125	281	23	enjoying	enjoy	VERB
ijosar-1125	281	24	positive	positive	ADJ
ijosar-1125	281	25	insurance	insurance	NOUN
ijosar-1125	281	26	behavior	behavior	NOUN
ijosar-1125	281	27	.	.	PUNCT
ijosar-1125	282	1	technology	technology	NOUN
ijosar-1125	282	2	should	should	AUX
ijosar-1125	282	3	be	be	AUX
ijosar-1125	282	4	used	use	VERB
ijosar-1125	282	5	to	to	PART
ijosar-1125	282	6	improve	improve	VERB
ijosar-1125	282	7	accessibility	accessibility	NOUN
ijosar-1125	282	8	;	;	PUNCT
ijosar-1125	282	9	and	and	CCONJ
ijosar-1125	282	10	a	a	DET
ijosar-1125	282	11	positive	positive	ADJ
ijosar-1125	282	12	attitude	attitude	NOUN
ijosar-1125	282	13	towards	towards	ADP
ijosar-1125	282	14	insurance	insurance	NOUN
ijosar-1125	282	15	followed	follow	VERB
ijosar-1125	282	16	by	by	ADP
ijosar-1125	282	17	long	long	ADJ
ijosar-1125	282	18	term	term	NOUN
ijosar-1125	282	19	consumer	consumer	NOUN
ijosar-1125	282	20	trust	trust	NOUN
ijosar-1125	282	21	can	can	AUX
ijosar-1125	282	22	be	be	AUX
ijosar-1125	282	23	achieved	achieve	VERB
ijosar-1125	282	24	by	by	ADP
ijosar-1125	282	25	having	have	VERB
ijosar-1125	282	26	clear	clear	ADJ
ijosar-1125	282	27	communication	communication	NOUN
ijosar-1125	282	28	,	,	PUNCT
ijosar-1125	282	29	simplified	simplify	VERB
ijosar-1125	282	30	policy	policy	NOUN
ijosar-1125	282	31	documents	document	NOUN
ijosar-1125	282	32	and	and	CCONJ
ijosar-1125	282	33	quick	quick	ADJ
ijosar-1125	282	34	claim	claim	NOUN
ijosar-1125	282	35	settlements	settlement	NOUN
ijosar-1125	282	36	by	by	ADP
ijosar-1125	282	37	radiant	radiant	ADJ
ijosar-1125	282	38	insurance	insurance	NOUN
ijosar-1125	282	39	.	.	PUNCT
ijosar-1125	283	1	6.0	6.0	NUM
ijosar-1125	283	2	statement	statement	NOUN
ijosar-1125	283	3	of	of	ADP
ijosar-1125	283	4	competing	compete	VERB
ijosar-1125	283	5	interests	interest	NOUN
ijosar-1125	283	6	the	the	DET
ijosar-1125	283	7	authors	author	NOUN
ijosar-1125	283	8	have	have	VERB
ijosar-1125	283	9	no	no	DET
ijosar-1125	283	10	competing	compete	VERB
ijosar-1125	283	11	interests	interest	NOUN
ijosar-1125	283	12	7.0	7.0	NUM
ijosar-1125	283	13	list	list	NOUN
ijosar-1125	283	14	of	of	ADP
ijosar-1125	283	15	abbreviations	abbreviation	NOUN
ijosar-1125	283	16	anovaanalysis	anovaanalysis	NOUN
ijosar-1125	283	17	of	of	ADP
ijosar-1125	283	18	variance	variance	NOUN
ijosar-1125	283	19	bnr	bnr	PROPN
ijosar-1125	283	20	national	national	PROPN
ijosar-1125	283	21	bank	bank	PROPN
ijosar-1125	283	22	of	of	ADP
ijosar-1125	283	23	rwanda	rwanda	PROPN
ijosar-1125	283	24	cbhi	cbhi	PROPN
ijosar-1125	283	25	community	community	NOUN
ijosar-1125	283	26	-	-	PUNCT
ijosar-1125	283	27	based	base	VERB
ijosar-1125	283	28	health	health	NOUN
ijosar-1125	283	29	insurance	insurance	NOUN
ijosar-1125	283	30	eaisa	eaisa	PROPN
ijosar-1125	283	31	east	east	ADJ
ijosar-1125	283	32	african	african	ADJ
ijosar-1125	283	33	insurance	insurance	PROPN
ijosar-1125	283	34	supervisors	supervisors	PROPN
ijosar-1125	283	35	association	association	PROPN
ijosar-1125	283	36	gdp	gdp	PROPN
ijosar-1125	283	37	-gross	-gross	PROPN
ijosar-1125	283	38	domestic	domestic	ADJ
ijosar-1125	283	39	product	product	NOUN
ijosar-1125	283	40	gsma	gsma	NOUN
ijosar-1125	283	41	global	global	ADJ
ijosar-1125	283	42	system	system	NOUN
ijosar-1125	283	43	for	for	ADP
ijosar-1125	283	44	mobile	mobile	ADJ
ijosar-1125	283	45	communications	communication	NOUN
ijosar-1125	283	46	association	association	NOUN
ijosar-1125	283	47	oecd	oecd	PROPN
ijosar-1125	283	48	organisation	organisation	PROPN
ijosar-1125	283	49	for	for	ADP
ijosar-1125	283	50	economic	economic	ADJ
ijosar-1125	283	51	co	co	NOUN
ijosar-1125	283	52	-	-	NOUN
ijosar-1125	283	53	operation	operation	NOUN
ijosar-1125	283	54	and	and	CCONJ
ijosar-1125	283	55	development	development	NOUN
ijosar-1125	283	56	rssb	rssb	VERB
ijosar-1125	283	57	rwanda	rwanda	PROPN
ijosar-1125	283	58	social	social	ADJ
ijosar-1125	283	59	security	security	NOUN
ijosar-1125	283	60	board	board	PROPN
ijosar-1125	283	61	sme	sme	PROPN
ijosar-1125	283	62	small	small	ADJ
ijosar-1125	283	63	and	and	CCONJ
ijosar-1125	283	64	medium	medium	ADJ
ijosar-1125	283	65	enterprises	enterprise	NOUN
ijosar-1125	283	66	spss	spss	VERB
ijosar-1125	283	67	statistical	statistical	ADJ
ijosar-1125	283	68	package	package	NOUN
ijosar-1125	283	69	for	for	ADP
ijosar-1125	283	70	the	the	DET
ijosar-1125	283	71	social	social	ADJ
ijosar-1125	283	72	sciences	sciences	PROPN
ijosar-1125	283	73	tpb	tpb	NOUN
ijosar-1125	283	74	theory	theory	NOUN
ijosar-1125	283	75	of	of	ADP
ijosar-1125	283	76	planned	plan	VERB
ijosar-1125	283	77	behavior	behavior	NOUN
ijosar-1125	283	78	references	reference	VERB
ijosar-1125	283	79	african	african	ADJ
ijosar-1125	283	80	insurance	insurance	NOUN
ijosar-1125	283	81	organization	organization	NOUN
ijosar-1125	283	82	(	(	PUNCT
ijosar-1125	283	83	2023	2023	NUM
ijosar-1125	283	84	)	)	PUNCT
ijosar-1125	283	85	.	.	PUNCT
ijosar-1125	284	1	annual	annual	ADJ
ijosar-1125	284	2	insurance	insurance	NOUN
ijosar-1125	284	3	report	report	NOUN
ijosar-1125	284	4	for	for	ADP
ijosar-1125	284	5	africa	africa	PROPN
ijosar-1125	284	6	.	.	PUNCT
ijosar-1125	285	1	https://www.africaninsurance.org	https://www.africaninsurance.org	PROPN
ijosar-1125	285	2	african	african	ADJ
ijosar-1125	285	3	reinsurance	reinsurance	NOUN
ijosar-1125	285	4	corporation	corporation	NOUN
ijosar-1125	285	5	(	(	PUNCT
ijosar-1125	285	6	2025	2025	NUM
ijosar-1125	285	7	)	)	PUNCT
ijosar-1125	285	8	.	.	PUNCT
ijosar-1125	286	1	country	country	NOUN
ijosar-1125	286	2	dashboard	dashboard	PROPN
ijosar-1125	286	3	–	–	PUNCT
ijosar-1125	286	4	rwanda	rwanda	PROPN
ijosar-1125	286	5	.	.	PUNCT
ijosar-1125	287	1	https://www.africa	https://www.africa	PROPN
ijosar-1125	287	2	re.com/dashboards/rw	re.com/dashboards/rw	X
ijosar-1125	287	3	alhassan	alhassan	VERB
ijosar-1125	287	4	,	,	PUNCT
ijosar-1125	287	5	a.	a.	PROPN
ijosar-1125	287	6	l.	l.	PROPN
ijosar-1125	287	7	,	,	PUNCT
ijosar-1125	287	8	&	&	CCONJ
ijosar-1125	287	9	biekpe	biekpe	NOUN
ijosar-1125	287	10	,	,	PUNCT
ijosar-1125	287	11	n.	n.	NOUN
ijosar-1125	287	12	(	(	PUNCT
ijosar-1125	287	13	2023	2023	NUM
ijosar-1125	287	14	)	)	PUNCT
ijosar-1125	287	15	.	.	PUNCT
ijosar-1125	288	1	determinants	determinant	NOUN
ijosar-1125	288	2	of	of	ADP
ijosar-1125	288	3	life	life	NOUN
ijosar-1125	288	4	insurance	insurance	NOUN
ijosar-1125	288	5	consumption	consumption	NOUN
ijosar-1125	288	6	in	in	ADP
ijosar-1125	288	7	africa	africa	PROPN
ijosar-1125	288	8	.	.	PUNCT
ijosar-1125	289	1	research	research	NOUN
ijosar-1125	289	2	in	in	ADP
ijosar-1125	289	3	international	international	ADJ
ijosar-1125	289	4	business	business	NOUN
ijosar-1125	289	5	and	and	CCONJ
ijosar-1125	289	6	finance	finance	NOUN
ijosar-1125	289	7	,	,	PUNCT
ijosar-1125	289	8	37	37	NUM
ijosar-1125	289	9	,	,	PUNCT
ijosar-1125	289	10	17–27	17–27	NUM
ijosar-1125	289	11	.	.	PUNCT
ijosar-1125	290	1	https://doi.org/10.1016/j.ribaf.2015.09.005	https://doi.org/10.1016/j.ribaf.2015.09.005	PROPN
ijosar-1125	290	2	ijo	ijo	PROPN
ijosar-1125	290	3	journals	journal	NOUN
ijosar-1125	290	4	volume	volume	NOUN
ijosar-1125	290	5	08	08	NUM
ijosar-1125	291	1	|	|	ADV
ijosar-1125	291	2	issue	issue	NOUN
ijosar-1125	291	3	08	08	NUM
ijosar-1125	292	1	|	|	ADV
ijosar-1125	292	2	august	august	PROPN
ijosar-1125	292	3	2025	2025	NUM
ijosar-1125	293	1	|	|	ADV
ijosar-1125	293	2	https://ijojournals.com/index.php/ssh/index	https://ijojournals.com/index.php/ssh/index	NOUN
ijosar-1125	293	3	81	81	NUM
ijosar-1125	293	4	https://www.africa-/	https://www.africa-/	ADP
ijosar-1125	293	5	ijointernational	ijointernational	ADJ
ijosar-1125	293	6	journal	journal	NOUN
ijosar-1125	293	7	of	of	ADP
ijosar-1125	293	8	social	social	ADJ
ijosar-1125	293	9	science	science	NOUN
ijosar-1125	293	10	and	and	CCONJ
ijosar-1125	293	11	humanities	humanity	NOUN
ijosar-1125	293	12	research	research	NOUN
ijosar-1125	293	13	(	(	PUNCT
ijosar-1125	293	14	issn	issn	PROPN
ijosar-1125	293	15	2811	2811	NUM
ijosar-1125	293	16	-	-	SYM
ijosar-1125	293	17	2466	2466	NUM
ijosar-1125	293	18	)	)	PUNCT
ijosar-1125	293	19	obiora	obiora	PROPN
ijosar-1125	293	20	peters	peters	PROPN
ijosar-1125	293	21	,	,	PUNCT
ijosar-1125	293	22	emeka	emeka	VERB
ijosar-1125	293	23	phd1	phd1	PROPN
ijosar-1125	293	24	*	*	PUNCT
ijosar-1125	293	25	https://ijojournals.com/	https://ijojournals.com/	PROPN
ijosar-1125	293	26	volume	volume	NOUN
ijosar-1125	293	27	08	08	NUM
ijosar-1125	294	1	||	||	PROPN
ijosar-1125	294	2	issue	issue	NOUN
ijosar-1125	294	3	08	08	NUM
ijosar-1125	294	4	||	||	NOUN
ijosar-1125	294	5	august	august	PROPN
ijosar-1125	294	6	,	,	PUNCT
ijosar-1125	294	7	2025	2025	NUM
ijosar-1125	294	8	||	||	PUNCT
ijosar-1125	295	1	“	"	PUNCT
ijosar-1125	295	2	determinants	determinant	NOUN
ijosar-1125	295	3	of	of	ADP
ijosar-1125	295	4	insurance	insurance	NOUN
ijosar-1125	295	5	uptake	uptake	ADJ
ijosar-1125	295	6	in	in	ADP
ijosar-1125	295	7	rwanda	rwanda	PROPN
ijosar-1125	295	8	a	a	DET
ijosar-1125	295	9	case	case	NOUN
ijosar-1125	295	10	study	study	NOUN
ijosar-1125	295	11	of	of	ADP
ijosar-1125	295	12	radiant	radiant	ADJ
ijosar-1125	295	13	insurance	insurance	NOUN
ijosar-1125	295	14	company	company	NOUN
ijosar-1125	295	15	limited	limit	VERB
ijosar-1125	295	16	(	(	PUNCT
ijosar-1125	295	17	2020	2020	NUM
ijosar-1125	295	18	-	-	SYM
ijosar-1125	295	19	2024	2024	NUM
ijosar-1125	295	20	)	)	PUNCT
ijosar-1125	295	21	"	"	PUNCT
ijosar-1125	295	22	allianz	allianz	PROPN
ijosar-1125	295	23	research	research	NOUN
ijosar-1125	295	24	(	(	PUNCT
ijosar-1125	295	25	2024	2024	NUM
ijosar-1125	295	26	)	)	PUNCT
ijosar-1125	295	27	.	.	PUNCT
ijosar-1125	296	1	allianz	allianz	PROPN
ijosar-1125	296	2	global	global	PROPN
ijosar-1125	296	3	insurance	insurance	PROPN
ijosar-1125	296	4	report	report	NOUN
ijosar-1125	296	5	2024	2024	NUM
ijosar-1125	296	6	:	:	PUNCT
ijosar-1125	296	7	transformative	transformative	ADJ
ijosar-1125	296	8	years	year	NOUN
ijosar-1125	296	9	ahead	ahead	ADV
ijosar-1125	296	10	for	for	ADP
ijosar-1125	296	11	the	the	DET
ijosar-1125	296	12	insurance	insurance	NOUN
ijosar-1125	296	13	sector	sector	NOUN
ijosar-1125	296	14	.	.	PUNCT
ijosar-1125	297	1	allianz	allianz	PROPN
ijosar-1125	297	2	se	se	PROPN
ijosar-1125	297	3	,	,	PUNCT
ijosar-1125	297	4	munich	munich	PROPN
ijosar-1125	297	5	may	may	AUX
ijosar-1125	297	6	23	23	NUM
ijosar-1125	297	7	,	,	PUNCT
ijosar-1125	297	8	2024	2024	NUM
ijosar-1125	297	9	.	.	PUNCT
ijosar-1125	298	1	bank	bank	PROPN
ijosar-1125	298	2	of	of	ADP
ijosar-1125	298	3	rwanda	rwanda	PROPN
ijosar-1125	298	4	(	(	PUNCT
ijosar-1125	298	5	bnr	bnr	PROPN
ijosar-1125	298	6	)	)	PUNCT
ijosar-1125	298	7	.	.	PUNCT
ijosar-1125	299	1	(	(	PUNCT
ijosar-1125	299	2	2023	2023	NUM
ijosar-1125	299	3	)	)	PUNCT
ijosar-1125	299	4	.	.	PUNCT
ijosar-1125	300	1	insurance	insurance	NOUN
ijosar-1125	300	2	sector	sector	NOUN
ijosar-1125	300	3	annual	annual	ADJ
ijosar-1125	300	4	report	report	NOUN
ijosar-1125	300	5	.	.	PUNCT
ijosar-1125	301	1	https://www.bnr.rw	https://www.bnr.rw	PROPN
ijosar-1125	301	2	biener	biener	PROPN
ijosar-1125	301	3	,	,	PUNCT
ijosar-1125	301	4	c.	c.	PROPN
ijosar-1125	301	5	,	,	PUNCT
ijosar-1125	301	6	&	&	CCONJ
ijosar-1125	301	7	eling	eling	PROPN
ijosar-1125	301	8	,	,	PUNCT
ijosar-1125	301	9	m.	m.	NOUN
ijosar-1125	301	10	(	(	PUNCT
ijosar-1125	301	11	2012	2012	NUM
ijosar-1125	301	12	)	)	PUNCT
ijosar-1125	301	13	.	.	PUNCT
ijosar-1125	302	1	insurability	insurability	PROPN
ijosar-1125	302	2	in	in	ADP
ijosar-1125	302	3	micro	micro	PROPN
ijosar-1125	302	4	insurance	insurance	NOUN
ijosar-1125	302	5	markets	market	NOUN
ijosar-1125	302	6	:	:	PUNCT
ijosar-1125	302	7	an	an	DET
ijosar-1125	302	8	analysis	analysis	NOUN
ijosar-1125	302	9	of	of	ADP
ijosar-1125	302	10	problems	problem	NOUN
ijosar-1125	302	11	and	and	CCONJ
ijosar-1125	302	12	potential	potential	ADJ
ijosar-1125	302	13	solutions	solution	NOUN
ijosar-1125	302	14	.	.	PUNCT
ijosar-1125	303	1	the	the	DET
ijosar-1125	303	2	geneva	geneva	PROPN
ijosar-1125	303	3	papers	paper	NOUN
ijosar-1125	303	4	on	on	ADP
ijosar-1125	303	5	risk	risk	NOUN
ijosar-1125	303	6	and	and	CCONJ
ijosar-1125	303	7	insurance	insurance	NOUN
ijosar-1125	303	8	-	-	PUNCT
ijosar-1125	303	9	issues	issue	NOUN
ijosar-1125	303	10	and	and	CCONJ
ijosar-1125	303	11	practice	practice	NOUN
ijosar-1125	303	12	,	,	PUNCT
ijosar-1125	303	13	37(1	37(1	NUM
ijosar-1125	303	14	)	)	PUNCT
ijosar-1125	303	15	,	,	PUNCT
ijosar-1125	303	16	77–107	77–107	X
ijosar-1125	303	17	.	.	PUNCT
ijosar-1125	304	1	https://doi.org/10.1057/gpp.2011.24	https://doi.org/10.1057/gpp.2011.24	PROPN
ijosar-1125	304	2	cohen	cohen	PROPN
ijosar-1125	304	3	,	,	PUNCT
ijosar-1125	304	4	m.	m.	NOUN
ijosar-1125	304	5	(	(	PUNCT
ijosar-1125	304	6	2023	2023	NUM
ijosar-1125	304	7	)	)	PUNCT
ijosar-1125	304	8	.	.	PUNCT
ijosar-1125	305	1	the	the	DET
ijosar-1125	305	2	demand	demand	NOUN
ijosar-1125	305	3	for	for	ADP
ijosar-1125	305	4	micro	micro	NOUN
ijosar-1125	305	5	-	-	NOUN
ijosar-1125	305	6	insurance	insurance	NOUN
ijosar-1125	305	7	.	.	PUNCT
ijosar-1125	306	1	journal	journal	PROPN
ijosar-1125	306	2	of	of	ADP
ijosar-1125	306	3	international	international	PROPN
ijosar-1125	306	4	development	development	NOUN
ijosar-1125	306	5	,	,	PUNCT
ijosar-1125	306	6	17	17	NUM
ijosar-1125	306	7	,	,	PUNCT
ijosar-1125	306	8	397–474	397–474	NUM
ijosar-1125	306	9	.	.	PUNCT
ijosar-1125	306	10	deloitte	deloitte	PROPN
ijosar-1125	306	11	center	center	PROPN
ijosar-1125	306	12	for	for	ADP
ijosar-1125	306	13	financial	financial	ADJ
ijosar-1125	306	14	services	service	NOUN
ijosar-1125	306	15	(	(	PUNCT
ijosar-1125	306	16	2024	2024	NUM
ijosar-1125	306	17	)	)	PUNCT
ijosar-1125	306	18	.	.	PUNCT
ijosar-1125	307	1	2025	2025	NUM
ijosar-1125	307	2	global	global	ADJ
ijosar-1125	307	3	insurance	insurance	NOUN
ijosar-1125	307	4	outlook	outlook	NOUN
ijosar-1125	307	5	:	:	PUNCT
ijosar-1125	307	6	evolving	evolve	VERB
ijosar-1125	307	7	industry	industry	NOUN
ijosar-1125	307	8	operating	operating	NOUN
ijosar-1125	307	9	models	model	NOUN
ijosar-1125	307	10	to	to	PART
ijosar-1125	307	11	build	build	VERB
ijosar-1125	307	12	the	the	DET
ijosar-1125	307	13	future	future	NOUN
ijosar-1125	307	14	of	of	ADP
ijosar-1125	307	15	insurance	insurance	NOUN
ijosar-1125	307	16	.	.	PUNCT
ijosar-1125	308	1	september	september	PROPN
ijosar-1125	308	2	29	29	NUM
ijosar-1125	308	3	,	,	PUNCT
ijosar-1125	308	4	2024	2024	NUM
ijosar-1125	308	5	.	.	PUNCT
ijosar-1125	309	1	https://www2.deloitte.com/us/en/insights/industry/financial-services/financial-services-industry	https://www2.deloitte.com/us/en/insights/industry/financial-services/financial-services-industry	ADJ
ijosar-1125	309	2	outlooks	outlook	NOUN
ijosar-1125	309	3	/	/	SYM
ijosar-1125	309	4	insurance	insurance	NOUN
ijosar-1125	309	5	-	-	PUNCT
ijosar-1125	309	6	industry	industry	NOUN
ijosar-1125	309	7	-	-	PUNCT
ijosar-1125	309	8	outlook.html	outlook.html	NUM
ijosar-1125	309	9	financial	financial	ADJ
ijosar-1125	309	10	services	service	NOUN
ijosar-1125	309	11	deepening	deepen	VERB
ijosar-1125	309	12	(	(	PUNCT
ijosar-1125	309	13	2018	2018	NUM
ijosar-1125	309	14	)	)	PUNCT
ijosar-1125	309	15	.	.	PUNCT
ijosar-1125	310	1	report	report	NOUN
ijosar-1125	310	2	on	on	ADP
ijosar-1125	310	3	uptake	uptake	NOUN
ijosar-1125	310	4	of	of	ADP
ijosar-1125	310	5	insurance	insurance	NOUN
ijosar-1125	310	6	services	service	NOUN
ijosar-1125	310	7	in	in	ADP
ijosar-1125	310	8	uganda	uganda	PROPN
ijosar-1125	310	9	2018	2018	NUM
ijosar-1125	310	10	.	.	PUNCT
ijosar-1125	311	1	https://fsduganda.or.ug/uganda-insurance-uptake-report-2018/	https://fsduganda.or.ug/uganda-insurance-uptake-report-2018/	PROPN
ijosar-1125	311	2	fsdu	fsdu	PROPN
ijosar-1125	311	3	(	(	PUNCT
ijosar-1125	311	4	2018	2018	NUM
ijosar-1125	311	5	)	)	PUNCT
ijosar-1125	311	6	.	.	PUNCT
ijosar-1125	312	1	fsdu	fsdu	NOUN
ijosar-1125	312	2	-	-	PUNCT
ijosar-1125	312	3	thematic	thematic	ADJ
ijosar-1125	312	4	report	report	NOUN
ijosar-1125	312	5	on	on	ADP
ijosar-1125	312	6	insurance	insurance	NOUN
ijosar-1125	312	7	.	.	PUNCT
ijosar-1125	313	1	https://fsduganda.or.ug/wp	https://fsduganda.or.ug/wp	PROPN
ijosar-1125	313	2	content	content	NOUN
ijosar-1125	313	3	/	/	SYM
ijosar-1125	313	4	uploads/2019/02	uploads/2019/02	NOUN
ijosar-1125	313	5	/	/	SYM
ijosar-1125	313	6	fsdu	fsdu	NOUN
ijosar-1125	313	7	-	-	PUNCT
ijosar-1125	313	8	thematic	thematic	ADJ
ijosar-1125	313	9	-	-	PUNCT
ijosar-1125	313	10	report	report	NOUN
ijosar-1125	313	11	-	-	PUNCT
ijosar-1125	313	12	on	on	ADP
ijosar-1125	313	13	-	-	PUNCT
ijosar-1125	313	14	insurance-2018.pdf	insurance-2018.pdf	NOUN
ijosar-1125	313	15	imoseme	imoseme	NOUN
ijosar-1125	313	16	,	,	PUNCT
ijosar-1125	313	17	m.	m.	NOUN
ijosar-1125	313	18	i.	i.	PROPN
ijosar-1125	313	19	,	,	PUNCT
ijosar-1125	313	20	&	&	CCONJ
ijosar-1125	313	21	chijuka	chijuka	PROPN
ijosar-1125	313	22	,	,	PUNCT
ijosar-1125	313	23	i.	i.	NOUN
ijosar-1125	313	24	m.	m.	PROPN
ijosar-1125	313	25	(	(	PUNCT
ijosar-1125	313	26	2024	2024	NUM
ijosar-1125	313	27	)	)	PUNCT
ijosar-1125	313	28	.	.	PUNCT
ijosar-1125	314	1	the	the	DET
ijosar-1125	314	2	determinants	determinant	NOUN
ijosar-1125	314	3	of	of	ADP
ijosar-1125	314	4	insurance	insurance	NOUN
ijosar-1125	314	5	penetration	penetration	NOUN
ijosar-1125	314	6	in	in	ADP
ijosar-1125	314	7	africa	africa	PROPN
ijosar-1125	314	8	.	.	PUNCT
ijosar-1125	315	1	african	african	PROPN
ijosar-1125	315	2	development	development	PROPN
ijosar-1125	315	3	finance	finance	PROPN
ijosar-1125	315	4	journal	journal	NOUN
ijosar-1125	315	5	,	,	PUNCT
ijosar-1125	315	6	7(1	7(1	NUM
ijosar-1125	315	7	)	)	PUNCT
ijosar-1125	315	8	,	,	PUNCT
ijosar-1125	315	9	199–221	199–221	NUM
ijosar-1125	315	10	.	.	PUNCT
ijosar-1125	315	11	kiplagat	kiplagat	PROPN
ijosar-1125	315	12	,	,	PUNCT
ijosar-1125	315	13	j.	j.	PROPN
ijosar-1125	315	14	k.	k.	PROPN
ijosar-1125	315	15	,	,	PUNCT
ijosar-1125	315	16	&	&	CCONJ
ijosar-1125	315	17	ndung'u	ndung'u	PROPN
ijosar-1125	315	18	,	,	PUNCT
ijosar-1125	315	19	j.	j.	PROPN
ijosar-1125	315	20	m.	m.	PROPN
ijosar-1125	315	21	(	(	PUNCT
ijosar-1125	315	22	2021	2021	NUM
ijosar-1125	315	23	)	)	PUNCT
ijosar-1125	315	24	.	.	PUNCT
ijosar-1125	316	1	financial	financial	ADJ
ijosar-1125	316	2	literacy	literacy	NOUN
ijosar-1125	316	3	and	and	CCONJ
ijosar-1125	316	4	insurance	insurance	NOUN
ijosar-1125	316	5	uptake	uptake	ADJ
ijosar-1125	316	6	among	among	ADP
ijosar-1125	316	7	smes	sme	NOUN
ijosar-1125	316	8	in	in	ADP
ijosar-1125	316	9	kenya	kenya	PROPN
ijosar-1125	316	10	.	.	PUNCT
ijosar-1125	317	1	international	international	ADJ
ijosar-1125	317	2	journal	journal	PROPN
ijosar-1125	317	3	of	of	ADP
ijosar-1125	317	4	economics	economic	NOUN
ijosar-1125	317	5	,	,	PUNCT
ijosar-1125	317	6	business	business	NOUN
ijosar-1125	317	7	and	and	CCONJ
ijosar-1125	317	8	management	management	NOUN
ijosar-1125	317	9	research	research	NOUN
ijosar-1125	317	10	,	,	PUNCT
ijosar-1125	317	11	3(5	3(5	NUM
ijosar-1125	317	12	)	)	PUNCT
ijosar-1125	317	13	,	,	PUNCT
ijosar-1125	317	14	213–232	213–232	NUM
ijosar-1125	317	15	.	.	PUNCT
ijosar-1125	317	16	malambo	malambo	PROPN
ijosar-1125	317	17	,	,	PUNCT
ijosar-1125	317	18	m.	m.	NOUN
ijosar-1125	317	19	(	(	PUNCT
ijosar-1125	317	20	2023	2023	NUM
ijosar-1125	317	21	)	)	PUNCT
ijosar-1125	317	22	.	.	PUNCT
ijosar-1125	318	1	insurance	insurance	NOUN
ijosar-1125	318	2	penetration	penetration	NOUN
ijosar-1125	318	3	in	in	ADP
ijosar-1125	318	4	africa	africa	PROPN
ijosar-1125	318	5	:	:	PUNCT
ijosar-1125	318	6	a	a	DET
ijosar-1125	318	7	systematic	systematic	ADJ
ijosar-1125	318	8	literature	literature	PROPN
ijosar-1125	318	9	review	review	PROPN
ijosar-1125	318	10	.	.	PUNCT
ijosar-1125	319	1	journal	journal	PROPN
ijosar-1125	319	2	of	of	ADP
ijosar-1125	319	3	financial	financial	ADJ
ijosar-1125	319	4	risk	risk	NOUN
ijosar-1125	319	5	management	management	NOUN
ijosar-1125	319	6	,	,	PUNCT
ijosar-1125	319	7	12(1	12(1	NUM
ijosar-1125	319	8	)	)	PUNCT
ijosar-1125	319	9	malambo	malambo	NOUN
ijosar-1125	319	10	,	,	PUNCT
ijosar-1125	319	11	m.	m.	NOUN
ijosar-1125	319	12	,	,	PUNCT
ijosar-1125	319	13	&	&	CCONJ
ijosar-1125	319	14	qutieshat	qutieshat	PROPN
ijosar-1125	319	15	,	,	PUNCT
ijosar-1125	319	16	a.	a.	NOUN
ijosar-1125	319	17	(	(	PUNCT
ijosar-1125	319	18	2024	2024	NUM
ijosar-1125	319	19	)	)	PUNCT
ijosar-1125	319	20	.	.	PUNCT
ijosar-1125	320	1	factors	factor	NOUN
ijosar-1125	320	2	affecting	affect	VERB
ijosar-1125	320	3	the	the	DET
ijosar-1125	320	4	uptake	uptake	NOUN
ijosar-1125	320	5	of	of	ADP
ijosar-1125	320	6	life	life	NOUN
ijosar-1125	320	7	insurance	insurance	NOUN
ijosar-1125	320	8	in	in	ADP
ijosar-1125	320	9	botswana	botswana	PROPN
ijosar-1125	320	10	.	.	PUNCT
ijosar-1125	321	1	international	international	ADJ
ijosar-1125	321	2	journal	journal	PROPN
ijosar-1125	321	3	of	of	ADP
ijosar-1125	321	4	business	business	NOUN
ijosar-1125	321	5	economics	economic	NOUN
ijosar-1125	321	6	and	and	CCONJ
ijosar-1125	321	7	social	social	ADJ
ijosar-1125	321	8	development	development	NOUN
ijosar-1125	321	9	,	,	PUNCT
ijosar-1125	321	10	5(2	5(2	NUM
ijosar-1125	321	11	)	)	PUNCT
ijosar-1125	321	12	,	,	PUNCT
ijosar-1125	321	13	139–151	139–151	NUM
ijosar-1125	321	14	.	.	PUNCT
ijosar-1125	322	1	https://doi.org/10.46336/ijbesd.v5i2.481	https://doi.org/10.46336/ijbesd.v5i2.481	PROPN
ijosar-1125	322	2	nyandekwe	nyandekwe	NOUN
ijosar-1125	322	3	,	,	PUNCT
ijosar-1125	322	4	m.	m.	NOUN
ijosar-1125	322	5	,	,	PUNCT
ijosar-1125	322	6	nzairambaho	nzairambaho	PROPN
ijosar-1125	322	7	,	,	PUNCT
ijosar-1125	322	8	m.	m.	NOUN
ijosar-1125	322	9	,	,	PUNCT
ijosar-1125	322	10	&	&	CCONJ
ijosar-1125	322	11	kakoma	kakoma	PROPN
ijosar-1125	322	12	,	,	PUNCT
ijosar-1125	322	13	j.	j.	PROPN
ijosar-1125	322	14	b.	b.	PROPN
ijosar-1125	322	15	(	(	PUNCT
ijosar-1125	322	16	2020	2020	NUM
ijosar-1125	322	17	)	)	PUNCT
ijosar-1125	322	18	.	.	PUNCT
ijosar-1125	323	1	universal	universal	ADJ
ijosar-1125	323	2	health	health	NOUN
ijosar-1125	323	3	insurance	insurance	NOUN
ijosar-1125	323	4	in	in	ADP
ijosar-1125	323	5	rwanda	rwanda	PROPN
ijosar-1125	323	6	:	:	PUNCT
ijosar-1125	323	7	major	major	ADJ
ijosar-1125	323	8	challenges	challenge	NOUN
ijosar-1125	323	9	and	and	CCONJ
ijosar-1125	323	10	solutions	solution	NOUN
ijosar-1125	323	11	for	for	ADP
ijosar-1125	323	12	financial	financial	ADJ
ijosar-1125	323	13	sustainability	sustainability	NOUN
ijosar-1125	323	14	.	.	PUNCT
ijosar-1125	324	1	pan	pan	PROPN
ijosar-1125	324	2	african	african	PROPN
ijosar-1125	324	3	medical	medical	ADJ
ijosar-1125	324	4	journal	journal	NOUN
ijosar-1125	324	5	,	,	PUNCT
ijosar-1125	324	6	37	37	NUM
ijosar-1125	324	7	,	,	PUNCT
ijosar-1125	324	8	55	55	NUM
ijosar-1125	324	9	.	.	PUNCT
ijosar-1125	325	1	https://doi.org/10.11604/pamj.2020.37.55.20376	https://doi.org/10.11604/pamj.2020.37.55.20376	PROPN
ijosar-1125	325	2	oecd	oecd	PROPN
ijosar-1125	325	3	.	.	PUNCT
ijosar-1125	326	1	(	(	PUNCT
ijosar-1125	326	2	2024	2024	NUM
ijosar-1125	326	3	)	)	PUNCT
ijosar-1125	326	4	.	.	PUNCT
ijosar-1125	327	1	global	global	ADJ
ijosar-1125	327	2	insurance	insurance	NOUN
ijosar-1125	327	3	market	market	NOUN
ijosar-1125	327	4	trends	trend	NOUN
ijosar-1125	327	5	2024	2024	NUM
ijosar-1125	327	6	.	.	PUNCT
ijosar-1125	328	1	oecd	oecd	PROPN
ijosar-1125	328	2	publishing	publishing	NOUN
ijosar-1125	328	3	.	.	PUNCT
ijosar-1125	329	1	https://doi.org/10.1787/5b740371-en	https://doi.org/10.1787/5b740371-en	PROPN
ijosar-1125	329	2	rainer	rainer	NOUN
ijosar-1125	329	3	,	,	PUNCT
ijosar-1125	329	4	r.	r.	PROPN
ijosar-1125	329	5	l.	l.	PROPN
ijosar-1125	329	6	(	(	PUNCT
ijosar-1125	329	7	2020	2020	NUM
ijosar-1125	329	8	)	)	PUNCT
ijosar-1125	329	9	.	.	PUNCT
ijosar-1125	330	1	determinants	determinant	NOUN
ijosar-1125	330	2	of	of	ADP
ijosar-1125	330	3	health	health	NOUN
ijosar-1125	330	4	insurance	insurance	NOUN
ijosar-1125	330	5	uptake	uptake	ADJ
ijosar-1125	330	6	in	in	ADP
ijosar-1125	330	7	tanzania	tanzania	PROPN
ijosar-1125	331	1	[	[	X
ijosar-1125	331	2	master	master	NOUN
ijosar-1125	331	3	’s	’s	PART
ijosar-1125	331	4	thesis	thesis	NOUN
ijosar-1125	331	5	,	,	PUNCT
ijosar-1125	331	6	university	university	NOUN
ijosar-1125	331	7	of	of	ADP
ijosar-1125	331	8	nairobi	nairobi	PROPN
ijosar-1125	331	9	]	]	PUNCT
ijosar-1125	331	10	.	.	PUNCT
ijosar-1125	332	1	rukundo	rukundo	PROPN
ijosar-1125	332	2	,	,	PUNCT
ijosar-1125	332	3	e.	e.	PROPN
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ijosar-1125	332	12	,	,	PUNCT
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ijosar-1125	332	16	,	,	PUNCT
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ijosar-1125	332	19	,	,	PUNCT
ijosar-1125	332	20	j.	j.	PROPN
ijosar-1125	332	21	(	(	PUNCT
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ijosar-1125	332	23	)	)	PUNCT
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ijosar-1125	333	2	of	of	ADP
ijosar-1125	333	3	enrolment	enrolment	NOUN
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ijosar-1125	333	8	based	base	VERB
ijosar-1125	333	9	health	health	NOUN
ijosar-1125	333	10	insurance	insurance	NOUN
ijosar-1125	333	11	in	in	ADP
ijosar-1125	333	12	households	household	NOUN
ijosar-1125	333	13	with	with	ADP
ijosar-1125	333	14	under-5	under-5	PROPN
ijosar-1125	333	15	children	child	NOUN
ijosar-1125	333	16	in	in	ADP
ijosar-1125	333	17	rural	rural	ADJ
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ijosar-1125	333	19	-	-	PUNCT
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ijosar-1125	334	9	8(10	8(10	NUM
ijosar-1125	334	10	)	)	PUNCT
ijosar-1125	334	11	,	,	PUNCT
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ijosar-1125	334	13	.	.	PUNCT
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ijosar-1125	335	7	(	(	PUNCT
ijosar-1125	335	8	2021	2021	NUM
ijosar-1125	335	9	)	)	PUNCT
ijosar-1125	335	10	.	.	PUNCT
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ijosar-1125	336	2	role	role	NOUN
ijosar-1125	336	3	of	of	ADP
ijosar-1125	336	4	distribution	distribution	NOUN
ijosar-1125	336	5	channels	channel	NOUN
ijosar-1125	336	6	in	in	ADP
ijosar-1125	336	7	market	market	NOUN
ijosar-1125	336	8	discipline	discipline	NOUN
ijosar-1125	336	9	for	for	ADP
ijosar-1125	336	10	the	the	DET
ijosar-1125	336	11	life	life	NOUN
ijosar-1125	336	12	insurance	insurance	NOUN
ijosar-1125	336	13	industry	industry	NOUN
ijosar-1125	336	14	.	.	PUNCT
ijosar-1125	337	1	the	the	DET
ijosar-1125	337	2	geneva	geneva	PROPN
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ijosar-1125	337	7	insurance	insurance	NOUN
ijosar-1125	337	8	-	-	PUNCT
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ijosar-1125	337	10	and	and	CCONJ
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ijosar-1125	337	13	46(1	46(1	PROPN
ijosar-1125	337	14	)	)	PUNCT
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ijosar-1125	337	17	.	.	PUNCT
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ijosar-1125	341	16	-	-	SYM
ijosar-1125	341	17	2466	2466	NUM
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ijosar-1125	341	20	peters	peters	PROPN
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ijosar-1125	342	3	08	08	NUM
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ijosar-1125	343	3	of	of	ADP
ijosar-1125	343	4	insurance	insurance	NOUN
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ijosar-1125	343	6	in	in	ADP
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ijosar-1125	343	9	case	case	NOUN
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ijosar-1125	344	8	,	,	PUNCT
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ijosar-1125	344	11	,	,	PUNCT
ijosar-1125	344	12	j.	j.	PROPN
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ijosar-1125	344	14	2022	2022	NUM
ijosar-1125	344	15	)	)	PUNCT
ijosar-1125	344	16	.	.	PUNCT
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ijosar-1125	345	2	of	of	ADP
ijosar-1125	345	3	demand	demand	NOUN
ijosar-1125	345	4	for	for	ADP
ijosar-1125	345	5	private	private	ADJ
ijosar-1125	345	6	health	health	NOUN
ijosar-1125	345	7	insurance	insurance	NOUN
ijosar-1125	345	8	in	in	ADP
ijosar-1125	345	9	uganda	uganda	PROPN
ijosar-1125	345	10	.	.	PUNCT
ijosar-1125	346	1	african	african	ADJ
ijosar-1125	346	2	journal	journal	PROPN
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ijosar-1125	346	7	10(3	10(3	NUM
ijosar-1125	346	8	)	)	PUNCT
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ijosar-1125	347	2	,	,	PUNCT
ijosar-1125	347	3	m.	m.	NOUN
ijosar-1125	347	4	(	(	PUNCT
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ijosar-1125	347	6	)	)	PUNCT
ijosar-1125	347	7	.	.	PUNCT
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ijosar-1125	348	3	uptake	uptake	NOUN
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ijosar-1125	348	5	healthcare	healthcare	NOUN
ijosar-1125	348	6	insurance	insurance	NOUN
ijosar-1125	348	7	among	among	ADP
ijosar-1125	348	8	households	household	NOUN
ijosar-1125	348	9	in	in	ADP
ijosar-1125	348	10	kibera	kibera	PROPN
ijosar-1125	348	11	informal	informal	PROPN
ijosar-1125	348	12	settlement	settlement	NOUN
ijosar-1125	348	13	,	,	PUNCT
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ijosar-1125	348	15	county	county	PROPN
ijosar-1125	349	1	[	[	X
ijosar-1125	349	2	master	master	NOUN
ijosar-1125	349	3	’s	’s	PART
ijosar-1125	349	4	thesis	thesis	NOUN
ijosar-1125	349	5	,	,	PUNCT
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ijosar-1125	349	7	kenyatta	kenyatta	PROPN
ijosar-1125	349	8	university	university	PROPN
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ijosar-1125	349	10	agriculture	agriculture	NOUN
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ijosar-1125	350	6	)	)	PUNCT
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ijosar-1125	351	2	of	of	ADP
ijosar-1125	351	3	insurance	insurance	NOUN
ijosar-1125	351	4	uptake	uptake	ADJ
ijosar-1125	351	5	in	in	ADP
ijosar-1125	351	6	sub	sub	ADJ
ijosar-1125	351	7	-	-	ADJ
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ijosar-1125	351	16	.	.	PUNCT
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ijosar-1125	352	5	,	,	PUNCT
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ijosar-1125	353	9	2021	2021	NUM
ijosar-1125	353	10	)	)	PUNCT
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ijosar-1125	354	3	uptake	uptake	VERB
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ijosar-1125	354	5	community	community	NOUN
ijosar-1125	354	6	-	-	PUNCT
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ijosar-1125	354	8	health	health	NOUN
ijosar-1125	354	9	insurance	insurance	NOUN
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ijosar-1125	354	11	sub	sub	ADJ
ijosar-1125	354	12	-	-	ADJ
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ijosar-1125	354	14	africa	africa	PROPN
ijosar-1125	354	15	:	:	PUNCT
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ijosar-1125	354	17	systematic	systematic	ADJ
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ijosar-1125	355	1	health	health	NOUN
ijosar-1125	355	2	policy	policy	NOUN
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ijosar-1125	355	6	36(10	36(10	NUM
ijosar-1125	355	7	)	)	PUNCT
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ijosar-1125	355	9	1705–1714	1705–1714	NUM
ijosar-1125	355	10	.	.	PUNCT
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ijosar-1125	356	2	ijo	ijo	PROPN
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ijosar-1125	357	1	|	|	ADV
ijosar-1125	357	2	issue	issue	NOUN
ijosar-1125	357	3	08	08	NUM
ijosar-1125	358	1	|	|	ADV
ijosar-1125	358	2	august	august	PROPN
ijosar-1125	358	3	2025	2025	NUM
ijosar-1125	358	4	|	|	ADV
ijosar-1125	358	5	https://ijojournals.com/index.php/ssh/index	https://ijojournals.com/index.php/ssh/index	NOUN
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