id	sid	tid	token	lemma	pos
ijtc-1599	1	1	ilomata	ilomata	PROPN
ijtc-1599	1	2	international	international	ADJ
ijtc-1599	1	3	journal	journal	NOUN
ijtc-1599	1	4	of	of	ADP
ijtc-1599	1	5	tax	tax	NOUN
ijtc-1599	1	6	and	and	CCONJ
ijtc-1599	1	7	accounting	account	VERB
ijtc-1599	1	8	p	p	X
ijtc-1599	1	9	-	-	PUNCT
ijtc-1599	1	10	issn	issn	NOUN
ijtc-1599	1	11	:	:	PUNCT
ijtc-1599	1	12	2714	2714	NUM
ijtc-1599	1	13	-	-	SYM
ijtc-1599	1	14	9838	9838	NUM
ijtc-1599	1	15	;	;	PUNCT
ijtc-1599	1	16	e	e	X
ijtc-1599	1	17	-	-	PUNCT
ijtc-1599	1	18	issn	issn	NOUN
ijtc-1599	1	19	:	:	PUNCT
ijtc-1599	1	20	2714	2714	NUM
ijtc-1599	1	21	-	-	SYM
ijtc-1599	1	22	9846	9846	NUM
ijtc-1599	1	23	volume	volume	NOUN
ijtc-1599	1	24	.	.	PUNCT
ijtc-1599	2	1	5	5	NUM
ijtc-1599	2	2	issue	issue	NOUN
ijtc-1599	2	3	3	3	NUM
ijtc-1599	2	4	july	july	PROPN
ijtc-1599	2	5	2024	2024	NUM
ijtc-1599	2	6	page	page	NOUN
ijtc-1599	2	7	no	no	NOUN
ijtc-1599	2	8	:	:	PUNCT
ijtc-1599	2	9	782	782	NUM
ijtc-1599	2	10	792	792	NUM
ijtc-1599	2	11	782	782	NUM
ijtc-1599	2	12	|	|	ADV
ijtc-1599	2	13	ilomata	ilomata	PROPN
ijtc-1599	2	14	international	international	ADJ
ijtc-1599	2	15	journal	journal	NOUN
ijtc-1599	2	16	of	of	ADP
ijtc-1599	2	17	tax	tax	PROPN
ijtc-1599	2	18	&	&	CCONJ
ijtc-1599	2	19	accounting	accounting	PROPN
ijtc-1599	2	20	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1599	2	21	micro	micro	ADJ
ijtc-1599	2	22	credit	credit	NOUN
ijtc-1599	2	23	and	and	CCONJ
ijtc-1599	2	24	poverty	poverty	NOUN
ijtc-1599	2	25	alleviation	alleviation	NOUN
ijtc-1599	2	26	in	in	ADP
ijtc-1599	2	27	nigeria	nigeria	PROPN
ijtc-1599	2	28	:	:	PUNCT
ijtc-1599	2	29	evidence	evidence	NOUN
ijtc-1599	2	30	from	from	ADP
ijtc-1599	2	31	selected	select	VERB
ijtc-1599	2	32	agribusiness	agribusiness	NOUN
ijtc-1599	2	33	cooperative	cooperative	ADJ
ijtc-1599	2	34	societies	society	NOUN
ijtc-1599	2	35	in	in	ADP
ijtc-1599	2	36	oyo	oyo	NOUN
ijtc-1599	2	37	state	state	NOUN
ijtc-1599	2	38	majeed	majeed	PROPN
ijtc-1599	2	39	ajibola	ajibola	PROPN
ijtc-1599	2	40	ibrahim1	ibrahim1	PROPN
ijtc-1599	2	41	,	,	PUNCT
ijtc-1599	2	42	adedeji	adedeji	PROPN
ijtc-1599	2	43	daniel	daniel	PROPN
ijtc-1599	2	44	gbadebo2	gbadebo2	PROPN
ijtc-1599	2	45	,	,	PUNCT
ijtc-1599	2	46	olawale	olawale	ADJ
ijtc-1599	2	47	bamidele	bamidele	NOUN
ijtc-1599	2	48	dada3	dada3	PROPN
ijtc-1599	3	1	1federal	1federal	NUM
ijtc-1599	3	2	college	college	NOUN
ijtc-1599	3	3	of	of	ADP
ijtc-1599	3	4	land	land	NOUN
ijtc-1599	3	5	resources	resource	NOUN
ijtc-1599	3	6	technology	technology	NOUN
ijtc-1599	3	7	,	,	PUNCT
ijtc-1599	3	8	nigeria	nigeria	PROPN
ijtc-1599	3	9	.	.	PUNCT
ijtc-1599	4	1	2walter	2walter	NUM
ijtc-1599	4	2	sisulu	sisulu	ADJ
ijtc-1599	4	3	university	university	NOUN
ijtc-1599	4	4	,	,	PUNCT
ijtc-1599	4	5	south	south	PROPN
ijtc-1599	4	6	africa	africa	PROPN
ijtc-1599	4	7	.	.	PUNCT
ijtc-1599	5	1	3federal	3federal	NUM
ijtc-1599	5	2	cooperative	cooperative	ADJ
ijtc-1599	5	3	college	college	NOUN
ijtc-1599	5	4	,	,	PUNCT
ijtc-1599	5	5	nigeria	nigeria	PROPN
ijtc-1599	5	6	.	.	PUNCT
ijtc-1599	5	7	correspondent	correspondent	NOUN
ijtc-1599	5	8	:	:	PUNCT
ijtc-1599	6	1	gbadebo.adedejidaniel@gmail.com1	gbadebo.adedejidaniel@gmail.com1	PROPN
ijtc-1599	6	2	received	receive	VERB
ijtc-1599	6	3	:	:	PUNCT
ijtc-1599	6	4	march	march	PROPN
ijtc-1599	6	5	28	28	NUM
ijtc-1599	6	6	,	,	PUNCT
ijtc-1599	6	7	2024	2024	NUM
ijtc-1599	6	8	accepted	accept	VERB
ijtc-1599	6	9	:	:	PUNCT
ijtc-1599	6	10	july	july	PROPN
ijtc-1599	6	11	1	1	NUM
ijtc-1599	6	12	,	,	PUNCT
ijtc-1599	6	13	2024	2024	NUM
ijtc-1599	6	14	published	publish	VERB
ijtc-1599	6	15	:	:	PUNCT
ijtc-1599	6	16	july	july	PROPN
ijtc-1599	6	17	31	31	NUM
ijtc-1599	6	18	,	,	PUNCT
ijtc-1599	6	19	2024	2024	NUM
ijtc-1599	6	20	citation	citation	NOUN
ijtc-1599	6	21	:	:	PUNCT
ijtc-1599	6	22	ibrahim	ibrahim	PROPN
ijtc-1599	6	23	,	,	PUNCT
ijtc-1599	6	24	m.a	m.a	PROPN
ijtc-1599	6	25	.	.	PROPN
ijtc-1599	6	26	,	,	PUNCT
ijtc-1599	6	27	gbadebo	gbadebo	PROPN
ijtc-1599	6	28	,	,	PUNCT
ijtc-1599	6	29	a.d	a.d	PROPN
ijtc-1599	6	30	,	,	PUNCT
ijtc-1599	6	31	&	&	CCONJ
ijtc-1599	6	32	dada	dada	PROPN
ijtc-1599	6	33	,	,	PUNCT
ijtc-1599	6	34	o.b	o.b	PROPN
ijtc-1599	6	35	.	.	PROPN
ijtc-1599	6	36	(	(	PUNCT
ijtc-1599	6	37	2024	2024	NUM
ijtc-1599	6	38	)	)	PUNCT
ijtc-1599	6	39	.	.	PUNCT
ijtc-1599	7	1	micro	micro	ADJ
ijtc-1599	7	2	credit	credit	NOUN
ijtc-1599	7	3	and	and	CCONJ
ijtc-1599	7	4	poverty	poverty	NOUN
ijtc-1599	7	5	alleviation	alleviation	NOUN
ijtc-1599	7	6	in	in	ADP
ijtc-1599	7	7	nigeria	nigeria	PROPN
ijtc-1599	7	8	:	:	PUNCT
ijtc-1599	7	9	evidence	evidence	NOUN
ijtc-1599	7	10	from	from	ADP
ijtc-1599	7	11	selected	select	VERB
ijtc-1599	7	12	agribusiness	agribusiness	NOUN
ijtc-1599	7	13	cooperative	cooperative	ADJ
ijtc-1599	7	14	societies	society	NOUN
ijtc-1599	7	15	in	in	ADP
ijtc-1599	7	16	oyo	oyo	NOUN
ijtc-1599	7	17	state	state	NOUN
ijtc-1599	7	18	.	.	PUNCT
ijtc-1599	8	1	ilomata	ilomata	PROPN
ijtc-1599	8	2	international	international	ADJ
ijtc-1599	8	3	journal	journal	NOUN
ijtc-1599	8	4	of	of	ADP
ijtc-1599	8	5	tax	tax	NOUN
ijtc-1599	8	6	and	and	CCONJ
ijtc-1599	8	7	accounting	accounting	NOUN
ijtc-1599	8	8	,	,	PUNCT
ijtc-1599	8	9	5(3	5(3	NUM
ijtc-1599	8	10	)	)	PUNCT
ijtc-1599	8	11	,	,	PUNCT
ijtc-1599	8	12	782	782	NUM
ijtc-1599	8	13	792	792	NUM
ijtc-1599	8	14	.	.	PUNCT
ijtc-1599	9	1	https://doi.org/10.61194/ijtc.v5i3.1599	https://doi.org/10.61194/ijtc.v5i3.1599	NOUN
ijtc-1599	9	2	abstract	abstract	NOUN
ijtc-1599	9	3	:	:	PUNCT
ijtc-1599	9	4	poverty	poverty	NOUN
ijtc-1599	9	5	is	be	AUX
ijtc-1599	9	6	one	one	NUM
ijtc-1599	9	7	of	of	ADP
ijtc-1599	9	8	the	the	DET
ijtc-1599	9	9	world	world	NOUN
ijtc-1599	9	10	's	's	PART
ijtc-1599	9	11	biggest	big	ADJ
ijtc-1599	9	12	issues	issue	NOUN
ijtc-1599	9	13	,	,	PUNCT
ijtc-1599	9	14	particularly	particularly	ADV
ijtc-1599	9	15	in	in	ADP
ijtc-1599	9	16	third	third	ADJ
ijtc-1599	9	17	-	-	PUNCT
ijtc-1599	9	18	world	world	NOUN
ijtc-1599	9	19	countries	country	NOUN
ijtc-1599	9	20	.	.	PUNCT
ijtc-1599	10	1	nigeria	nigeria	PROPN
ijtc-1599	10	2	is	be	AUX
ijtc-1599	10	3	not	not	PART
ijtc-1599	10	4	an	an	DET
ijtc-1599	10	5	exception	exception	NOUN
ijtc-1599	10	6	to	to	ADP
ijtc-1599	10	7	the	the	DET
ijtc-1599	10	8	rule	rule	NOUN
ijtc-1599	10	9	that	that	SCONJ
ijtc-1599	10	10	governments	government	NOUN
ijtc-1599	10	11	everywhere	everywhere	ADV
ijtc-1599	10	12	have	have	AUX
ijtc-1599	10	13	been	be	AUX
ijtc-1599	10	14	developing	develop	VERB
ijtc-1599	10	15	various	various	ADJ
ijtc-1599	10	16	economic	economic	ADJ
ijtc-1599	10	17	and	and	CCONJ
ijtc-1599	10	18	social	social	ADJ
ijtc-1599	10	19	policies	policy	NOUN
ijtc-1599	10	20	or	or	CCONJ
ijtc-1599	10	21	programs	program	NOUN
ijtc-1599	10	22	to	to	PART
ijtc-1599	10	23	lower	lower	VERB
ijtc-1599	10	24	the	the	DET
ijtc-1599	10	25	poverty	poverty	NOUN
ijtc-1599	10	26	rate	rate	NOUN
ijtc-1599	10	27	inside	inside	ADP
ijtc-1599	10	28	their	their	PRON
ijtc-1599	10	29	borders	border	NOUN
ijtc-1599	10	30	.	.	PUNCT
ijtc-1599	11	1	it	it	PRON
ijtc-1599	11	2	is	be	AUX
ijtc-1599	11	3	well	well	ADV
ijtc-1599	11	4	known	know	VERB
ijtc-1599	11	5	that	that	SCONJ
ijtc-1599	11	6	cooperative	cooperative	ADJ
ijtc-1599	11	7	groups	group	NOUN
ijtc-1599	11	8	,	,	PUNCT
ijtc-1599	11	9	particularly	particularly	ADV
ijtc-1599	11	10	at	at	ADP
ijtc-1599	11	11	the	the	DET
ijtc-1599	11	12	medium	medium	ADJ
ijtc-1599	11	13	and	and	CCONJ
ijtc-1599	11	14	micro	micro	ADJ
ijtc-1599	11	15	levels	level	NOUN
ijtc-1599	11	16	,	,	PUNCT
ijtc-1599	11	17	have	have	AUX
ijtc-1599	11	18	proven	prove	VERB
ijtc-1599	11	19	essential	essential	ADJ
ijtc-1599	11	20	to	to	ADP
ijtc-1599	11	21	economic	economic	ADJ
ijtc-1599	11	22	progress	progress	NOUN
ijtc-1599	11	23	.	.	PUNCT
ijtc-1599	12	1	this	this	DET
ijtc-1599	12	2	study	study	NOUN
ijtc-1599	12	3	investigates	investigate	VERB
ijtc-1599	12	4	the	the	DET
ijtc-1599	12	5	impact	impact	NOUN
ijtc-1599	12	6	of	of	ADP
ijtc-1599	12	7	micro	micro	NOUN
ijtc-1599	12	8	-	-	NOUN
ijtc-1599	12	9	credit	credit	NOUN
ijtc-1599	12	10	on	on	ADP
ijtc-1599	12	11	poverty	poverty	NOUN
ijtc-1599	12	12	eradication	eradication	NOUN
ijtc-1599	12	13	in	in	ADP
ijtc-1599	12	14	nigeria	nigeria	PROPN
ijtc-1599	12	15	.	.	PUNCT
ijtc-1599	13	1	to	to	PART
ijtc-1599	13	2	examine	examine	VERB
ijtc-1599	13	3	whether	whether	SCONJ
ijtc-1599	13	4	microcredit	microcredit	NOUN
ijtc-1599	13	5	facilitates	facilitate	VERB
ijtc-1599	13	6	a	a	DET
ijtc-1599	13	7	decline	decline	NOUN
ijtc-1599	13	8	in	in	ADP
ijtc-1599	13	9	poverty	poverty	NOUN
ijtc-1599	13	10	,	,	PUNCT
ijtc-1599	13	11	we	we	PRON
ijtc-1599	13	12	use	use	VERB
ijtc-1599	13	13	a	a	DET
ijtc-1599	13	14	simple	simple	ADJ
ijtc-1599	13	15	linear	linear	NOUN
ijtc-1599	13	16	model	model	NOUN
ijtc-1599	13	17	to	to	PART
ijtc-1599	13	18	test	test	VERB
ijtc-1599	13	19	the	the	DET
ijtc-1599	13	20	hypothesis	hypothesis	NOUN
ijtc-1599	13	21	that	that	PRON
ijtc-1599	13	22	cooperative	cooperative	ADJ
ijtc-1599	13	23	societies	society	NOUN
ijtc-1599	13	24	greatly	greatly	ADV
ijtc-1599	13	25	impact	impact	VERB
ijtc-1599	13	26	poverty	poverty	NOUN
ijtc-1599	13	27	,	,	PUNCT
ijtc-1599	13	28	using	use	VERB
ijtc-1599	13	29	primarily	primarily	ADV
ijtc-1599	13	30	sourced	source	VERB
ijtc-1599	13	31	data	datum	NOUN
ijtc-1599	13	32	from	from	ADP
ijtc-1599	13	33	cooperative	cooperative	ADJ
ijtc-1599	13	34	societies	society	NOUN
ijtc-1599	13	35	in	in	ADP
ijtc-1599	13	36	oyo	oyo	NOUN
ijtc-1599	13	37	state	state	NOUN
ijtc-1599	13	38	.	.	PUNCT
ijtc-1599	14	1	the	the	DET
ijtc-1599	14	2	impact	impact	NOUN
ijtc-1599	14	3	of	of	ADP
ijtc-1599	14	4	timely	timely	ADJ
ijtc-1599	14	5	access	access	NOUN
ijtc-1599	14	6	to	to	ADP
ijtc-1599	14	7	micro	micro	NOUN
ijtc-1599	14	8	-	-	NOUN
ijtc-1599	14	9	credit	credit	NOUN
ijtc-1599	14	10	,	,	PUNCT
ijtc-1599	14	11	credit	credit	NOUN
ijtc-1599	14	12	lending	lending	NOUN
ijtc-1599	14	13	rate	rate	NOUN
ijtc-1599	14	14	,	,	PUNCT
ijtc-1599	14	15	and	and	CCONJ
ijtc-1599	14	16	technical	technical	ADJ
ijtc-1599	14	17	support	support	NOUN
ijtc-1599	14	18	have	have	VERB
ijtc-1599	14	19	negative	negative	ADJ
ijtc-1599	14	20	and	and	CCONJ
ijtc-1599	14	21	significant	significant	ADJ
ijtc-1599	14	22	coefficients	coefficient	NOUN
ijtc-1599	14	23	of	of	ADP
ijtc-1599	14	24	-0.229	-0.229	PUNCT
ijtc-1599	14	25	,	,	PUNCT
ijtc-1599	14	26	-0.242	-0.242	PROPN
ijtc-1599	14	27	,	,	PUNCT
ijtc-1599	14	28	and	and	CCONJ
ijtc-1599	14	29	-0.231	-0.231	NUM
ijtc-1599	14	30	.	.	PUNCT
ijtc-1599	15	1	this	this	PRON
ijtc-1599	15	2	supposes	suppose	VERB
ijtc-1599	15	3	that	that	SCONJ
ijtc-1599	15	4	any	any	DET
ijtc-1599	15	5	increase	increase	NOUN
ijtc-1599	15	6	in	in	ADP
ijtc-1599	15	7	all	all	DET
ijtc-1599	15	8	variables	variable	NOUN
ijtc-1599	15	9	will	will	AUX
ijtc-1599	15	10	result	result	VERB
ijtc-1599	15	11	in	in	ADP
ijtc-1599	15	12	a	a	DET
ijtc-1599	15	13	drop	drop	NOUN
ijtc-1599	15	14	in	in	ADP
ijtc-1599	15	15	poverty	poverty	NOUN
ijtc-1599	15	16	alleviation	alleviation	NOUN
ijtc-1599	15	17	among	among	ADP
ijtc-1599	15	18	agribusiness	agribusiness	NOUN
ijtc-1599	15	19	cooperators	cooperator	NOUN
ijtc-1599	15	20	.	.	PUNCT
ijtc-1599	16	1	the	the	DET
ijtc-1599	16	2	outcome	outcome	NOUN
ijtc-1599	16	3	demonstrates	demonstrate	VERB
ijtc-1599	16	4	that	that	SCONJ
ijtc-1599	16	5	a	a	DET
ijtc-1599	16	6	cooperative	cooperative	ADJ
ijtc-1599	16	7	society	society	NOUN
ijtc-1599	16	8	has	have	AUX
ijtc-1599	16	9	significantly	significantly	ADV
ijtc-1599	16	10	raised	raise	VERB
ijtc-1599	16	11	the	the	DET
ijtc-1599	16	12	living	living	NOUN
ijtc-1599	16	13	standards	standard	NOUN
ijtc-1599	16	14	of	of	ADP
ijtc-1599	16	15	its	its	PRON
ijtc-1599	16	16	members	member	NOUN
ijtc-1599	16	17	.	.	PUNCT
ijtc-1599	17	1	this	this	PRON
ijtc-1599	17	2	shows	show	VERB
ijtc-1599	17	3	that	that	SCONJ
ijtc-1599	17	4	cooperative	cooperative	ADJ
ijtc-1599	17	5	societies	society	NOUN
ijtc-1599	17	6	are	be	AUX
ijtc-1599	17	7	important	important	ADJ
ijtc-1599	17	8	in	in	ADP
ijtc-1599	17	9	reducing	reduce	VERB
ijtc-1599	17	10	poverty	poverty	NOUN
ijtc-1599	17	11	.	.	PUNCT
ijtc-1599	18	1	they	they	PRON
ijtc-1599	18	2	offer	offer	VERB
ijtc-1599	18	3	financial	financial	ADJ
ijtc-1599	18	4	and	and	CCONJ
ijtc-1599	18	5	technical	technical	ADJ
ijtc-1599	18	6	services	service	NOUN
ijtc-1599	18	7	,	,	PUNCT
ijtc-1599	18	8	which	which	PRON
ijtc-1599	18	9	help	help	VERB
ijtc-1599	18	10	low	low	ADJ
ijtc-1599	18	11	-	-	PUNCT
ijtc-1599	18	12	income	income	NOUN
ijtc-1599	18	13	earners	earner	NOUN
ijtc-1599	18	14	whom	whom	PRON
ijtc-1599	18	15	traditional	traditional	ADJ
ijtc-1599	18	16	financial	financial	ADJ
ijtc-1599	18	17	institutions	institution	NOUN
ijtc-1599	18	18	do	do	AUX
ijtc-1599	18	19	not	not	PART
ijtc-1599	18	20	primarily	primarily	ADV
ijtc-1599	18	21	support	support	VERB
ijtc-1599	18	22	.	.	PUNCT
ijtc-1599	19	1	we	we	PRON
ijtc-1599	19	2	suggest	suggest	VERB
ijtc-1599	19	3	using	use	VERB
ijtc-1599	19	4	legislative	legislative	ADJ
ijtc-1599	19	5	approaches	approach	NOUN
ijtc-1599	19	6	to	to	PART
ijtc-1599	19	7	keep	keep	VERB
ijtc-1599	19	8	cooperative	cooperative	ADJ
ijtc-1599	19	9	societies	society	NOUN
ijtc-1599	19	10	relevant	relevant	ADJ
ijtc-1599	19	11	to	to	ADP
ijtc-1599	19	12	nigeria	nigeria	PROPN
ijtc-1599	19	13	's	's	PART
ijtc-1599	19	14	efforts	effort	NOUN
ijtc-1599	19	15	to	to	PART
ijtc-1599	19	16	reduce	reduce	VERB
ijtc-1599	19	17	poverty	poverty	NOUN
ijtc-1599	19	18	.	.	PUNCT
ijtc-1599	20	1	keywords	keyword	NOUN
ijtc-1599	20	2	:	:	PUNCT
ijtc-1599	20	3	cooperative	cooperative	ADJ
ijtc-1599	20	4	society	society	NOUN
ijtc-1599	20	5	,	,	PUNCT
ijtc-1599	20	6	agribusiness	agribusiness	NOUN
ijtc-1599	20	7	cooperative	cooperative	NOUN
ijtc-1599	20	8	,	,	PUNCT
ijtc-1599	20	9	micro	micro	NOUN
ijtc-1599	20	10	-	-	NOUN
ijtc-1599	20	11	credit	credit	NOUN
ijtc-1599	20	12	,	,	PUNCT
ijtc-1599	20	13	poverty	poverty	NOUN
ijtc-1599	20	14	reduction	reduction	NOUN
ijtc-1599	20	15	,	,	PUNCT
ijtc-1599	20	16	living	living	NOUN
ijtc-1599	20	17	standards	standard	NOUN
ijtc-1599	20	18	this	this	PRON
ijtc-1599	20	19	is	be	AUX
ijtc-1599	20	20	an	an	DET
ijtc-1599	20	21	open	open	ADJ
ijtc-1599	20	22	-	-	PUNCT
ijtc-1599	20	23	access	access	NOUN
ijtc-1599	20	24	article	article	NOUN
ijtc-1599	20	25	under	under	ADP
ijtc-1599	20	26	the	the	DET
ijtc-1599	20	27	cc	cc	NOUN
ijtc-1599	20	28	-	-	PUNCT
ijtc-1599	20	29	by	by	ADP
ijtc-1599	20	30	4.0	4.0	NUM
ijtc-1599	20	31	license	license	NOUN
ijtc-1599	20	32	introduction	introduction	NOUN
ijtc-1599	20	33	cooperative	cooperative	ADJ
ijtc-1599	20	34	organizations	organization	NOUN
ijtc-1599	20	35	can	can	AUX
ijtc-1599	20	36	be	be	AUX
ijtc-1599	20	37	used	use	VERB
ijtc-1599	20	38	as	as	ADP
ijtc-1599	20	39	a	a	DET
ijtc-1599	20	40	tool	tool	NOUN
ijtc-1599	20	41	to	to	PART
ijtc-1599	20	42	assist	assist	VERB
ijtc-1599	20	43	and	and	CCONJ
ijtc-1599	20	44	extend	extend	VERB
ijtc-1599	20	45	micro	micro	NOUN
ijtc-1599	20	46	-	-	NOUN
ijtc-1599	20	47	credit	credit	NOUN
ijtc-1599	20	48	to	to	ADP
ijtc-1599	20	49	small	small	ADJ
ijtc-1599	20	50	enterprises	enterprise	NOUN
ijtc-1599	20	51	.	.	PUNCT
ijtc-1599	21	1	“	"	PUNCT
ijtc-1599	21	2	cooperative	cooperative	ADJ
ijtc-1599	21	3	societies	society	NOUN
ijtc-1599	21	4	are	be	AUX
ijtc-1599	21	5	widely	widely	ADV
ijtc-1599	21	6	acknowledged	acknowledge	VERB
ijtc-1599	21	7	as	as	ADP
ijtc-1599	21	8	a	a	DET
ijtc-1599	21	9	vital	vital	ADJ
ijtc-1599	21	10	tool	tool	NOUN
ijtc-1599	21	11	for	for	ADP
ijtc-1599	21	12	reducing	reduce	VERB
ijtc-1599	21	13	poverty	poverty	NOUN
ijtc-1599	21	14	and	and	CCONJ
ijtc-1599	21	15	fostering	foster	VERB
ijtc-1599	21	16	socioeconomic	socioeconomic	ADJ
ijtc-1599	21	17	development	development	NOUN
ijtc-1599	21	18	.	.	PUNCT
ijtc-1599	22	1	cooperative	cooperative	ADJ
ijtc-1599	22	2	societies	society	NOUN
ijtc-1599	22	3	are	be	AUX
ijtc-1599	22	4	voluntary	voluntary	ADJ
ijtc-1599	22	5	associations	association	NOUN
ijtc-1599	22	6	or	or	CCONJ
ijtc-1599	22	7	groups	group	NOUN
ijtc-1599	22	8	of	of	ADP
ijtc-1599	22	9	people	people	NOUN
ijtc-1599	22	10	from	from	ADP
ijtc-1599	22	11	the	the	DET
ijtc-1599	22	12	same	same	ADJ
ijtc-1599	22	13	socio	socio	NOUN
ijtc-1599	22	14	-	-	PUNCT
ijtc-1599	22	15	economic	economic	ADJ
ijtc-1599	22	16	background	background	NOUN
ijtc-1599	22	17	who	who	PRON
ijtc-1599	22	18	pull	pull	VERB
ijtc-1599	22	19	their	their	PRON
ijtc-1599	22	20	resources	resource	NOUN
ijtc-1599	22	21	together	together	ADV
ijtc-1599	22	22	to	to	PART
ijtc-1599	22	23	solve	solve	VERB
ijtc-1599	22	24	their	their	PRON
ijtc-1599	22	25	common	common	ADJ
ijtc-1599	22	26	problems	problem	NOUN
ijtc-1599	22	27	through	through	ADP
ijtc-1599	22	28	self	self	NOUN
ijtc-1599	22	29	-	-	PUNCT
ijtc-1599	22	30	help	help	NOUN
ijtc-1599	22	31	and	and	CCONJ
ijtc-1599	22	32	mutual	mutual	ADJ
ijtc-1599	22	33	trust	trust	NOUN
ijtc-1599	22	34	(	(	PUNCT
ijtc-1599	22	35	abdulrazaq	abdulrazaq	PROPN
ijtc-1599	22	36	,	,	PUNCT
ijtc-1599	22	37	2021	2021	NUM
ijtc-1599	22	38	)	)	PUNCT
ijtc-1599	22	39	.	.	PUNCT
ijtc-1599	23	1	they	they	PRON
ijtc-1599	23	2	serve	serve	VERB
ijtc-1599	23	3	as	as	ADP
ijtc-1599	23	4	a	a	DET
ijtc-1599	23	5	financial	financial	ADJ
ijtc-1599	23	6	education	education	NOUN
ijtc-1599	23	7	and	and	CCONJ
ijtc-1599	23	8	capacity	capacity	NOUN
ijtc-1599	23	9	-	-	PUNCT
ijtc-1599	23	10	building	building	NOUN
ijtc-1599	23	11	platform	platform	NOUN
ijtc-1599	23	12	,	,	PUNCT
ijtc-1599	23	13	empowering	empower	VERB
ijtc-1599	23	14	their	their	PRON
ijtc-1599	23	15	members	member	NOUN
ijtc-1599	23	16	with	with	ADP
ijtc-1599	23	17	financial	financial	ADJ
ijtc-1599	23	18	literacy	literacy	NOUN
ijtc-1599	23	19	and	and	CCONJ
ijtc-1599	23	20	entrepreneurial	entrepreneurial	ADJ
ijtc-1599	23	21	skills	skill	NOUN
ijtc-1599	23	22	(	(	PUNCT
ijtc-1599	23	23	epetimehin	epetimehin	NOUN
ijtc-1599	23	24	,	,	PUNCT
ijtc-1599	23	25	2016	2016	NUM
ijtc-1599	23	26	)	)	PUNCT
ijtc-1599	23	27	.	.	PUNCT
ijtc-1599	24	1	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1599	24	2	mailto	mailto	PROPN
ijtc-1599	24	3	:	:	PUNCT
ijtc-1599	24	4	gbadebo.adedejidaniel@gmail.com1	gbadebo.adedejidaniel@gmail.com1	PROPN
ijtc-1599	24	5	https://doi.org/10.61194/ijtc.v5i3.1599	https://doi.org/10.61194/ijtc.v5i3.1599	PROPN
ijtc-1599	24	6	micro	micro	ADJ
ijtc-1599	24	7	credit	credit	NOUN
ijtc-1599	24	8	and	and	CCONJ
ijtc-1599	24	9	poverty	poverty	NOUN
ijtc-1599	24	10	alleviation	alleviation	NOUN
ijtc-1599	24	11	in	in	ADP
ijtc-1599	24	12	nigeria	nigeria	PROPN
ijtc-1599	24	13	:	:	PUNCT
ijtc-1599	24	14	evidence	evidence	NOUN
ijtc-1599	24	15	from	from	ADP
ijtc-1599	24	16	selected	select	VERB
ijtc-1599	24	17	agribusiness	agribusiness	NOUN
ijtc-1599	24	18	cooperative	cooperative	ADJ
ijtc-1599	24	19	societies	society	NOUN
ijtc-1599	24	20	in	in	ADP
ijtc-1599	24	21	oyo	oyo	NOUN
ijtc-1599	24	22	state	state	NOUN
ijtc-1599	24	23	ibrahim	ibrahim	PROPN
ijtc-1599	24	24	,	,	PUNCT
ijtc-1599	24	25	gbadebo	gbadebo	NOUN
ijtc-1599	24	26	and	and	CCONJ
ijtc-1599	24	27	dada	dada	NOUN
ijtc-1599	24	28	783	783	NUM
ijtc-1599	24	29	|	|	CCONJ
ijtc-1599	24	30	ilomata	ilomata	PROPN
ijtc-1599	24	31	international	international	ADJ
ijtc-1599	24	32	journal	journal	NOUN
ijtc-1599	24	33	of	of	ADP
ijtc-1599	24	34	tax	tax	PROPN
ijtc-1599	24	35	&	&	CCONJ
ijtc-1599	24	36	accounting	accounting	NOUN
ijtc-1599	24	37	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1599	24	38	with	with	ADP
ijtc-1599	24	39	its	its	PRON
ijtc-1599	24	40	vast	vast	ADJ
ijtc-1599	24	41	natural	natural	ADJ
ijtc-1599	24	42	resources	resource	NOUN
ijtc-1599	24	43	and	and	CCONJ
ijtc-1599	24	44	abundant	abundant	ADJ
ijtc-1599	24	45	workforce	workforce	NOUN
ijtc-1599	24	46	,	,	PUNCT
ijtc-1599	24	47	nigeria	nigeria	PROPN
ijtc-1599	24	48	has	have	AUX
ijtc-1599	24	49	experienced	experience	VERB
ijtc-1599	24	50	economic	economic	ADJ
ijtc-1599	24	51	growth	growth	NOUN
ijtc-1599	24	52	.	.	PUNCT
ijtc-1599	25	1	this	this	DET
ijtc-1599	25	2	growth	growth	NOUN
ijtc-1599	25	3	has	have	AUX
ijtc-1599	25	4	been	be	AUX
ijtc-1599	25	5	marred	mar	VERB
ijtc-1599	25	6	by	by	ADP
ijtc-1599	25	7	persistent	persistent	ADJ
ijtc-1599	25	8	poverty	poverty	NOUN
ijtc-1599	25	9	and	and	CCONJ
ijtc-1599	25	10	income	income	NOUN
ijtc-1599	25	11	inequality	inequality	NOUN
ijtc-1599	25	12	,	,	PUNCT
ijtc-1599	25	13	especially	especially	ADV
ijtc-1599	25	14	in	in	ADP
ijtc-1599	25	15	rural	rural	ADJ
ijtc-1599	25	16	areas	area	NOUN
ijtc-1599	25	17	.	.	PUNCT
ijtc-1599	26	1	to	to	PART
ijtc-1599	26	2	address	address	VERB
ijtc-1599	26	3	this	this	DET
ijtc-1599	26	4	issue	issue	NOUN
ijtc-1599	26	5	,	,	PUNCT
ijtc-1599	26	6	cooperative	cooperative	ADJ
ijtc-1599	26	7	societies	society	NOUN
ijtc-1599	26	8	have	have	AUX
ijtc-1599	26	9	emerged	emerge	VERB
ijtc-1599	26	10	as	as	ADP
ijtc-1599	26	11	a	a	DET
ijtc-1599	26	12	potential	potential	ADJ
ijtc-1599	26	13	solution	solution	NOUN
ijtc-1599	26	14	to	to	PART
ijtc-1599	26	15	empower	empower	VERB
ijtc-1599	26	16	marginalized	marginalize	VERB
ijtc-1599	26	17	communities	community	NOUN
ijtc-1599	26	18	and	and	CCONJ
ijtc-1599	26	19	reduce	reduce	VERB
ijtc-1599	26	20	poverty	poverty	NOUN
ijtc-1599	26	21	.	.	PUNCT
ijtc-1599	27	1	cooperative	cooperative	ADJ
ijtc-1599	27	2	societies	society	NOUN
ijtc-1599	27	3	have	have	VERB
ijtc-1599	27	4	a	a	DET
ijtc-1599	27	5	long	long	ADJ
ijtc-1599	27	6	history	history	NOUN
ijtc-1599	27	7	in	in	ADP
ijtc-1599	27	8	nigeria	nigeria	PROPN
ijtc-1599	27	9	,	,	PUNCT
ijtc-1599	27	10	dating	date	VERB
ijtc-1599	27	11	back	back	ADV
ijtc-1599	27	12	to	to	ADP
ijtc-1599	27	13	the	the	DET
ijtc-1599	27	14	early	early	ADJ
ijtc-1599	27	15	20th	20th	ADJ
ijtc-1599	27	16	century	century	NOUN
ijtc-1599	27	17	(	(	PUNCT
ijtc-1599	27	18	bello	bello	PROPN
ijtc-1599	27	19	,	,	PUNCT
ijtc-1599	27	20	2023	2023	NUM
ijtc-1599	27	21	;	;	PUNCT
ijtc-1599	27	22	birchall	birchall	PROPN
ijtc-1599	27	23	&	&	CCONJ
ijtc-1599	27	24	hammond	hammond	PROPN
ijtc-1599	27	25	,	,	PUNCT
ijtc-1599	27	26	2019	2019	NUM
ijtc-1599	27	27	;	;	PUNCT
ijtc-1599	27	28	ajayi	ajayi	NOUN
ijtc-1599	27	29	,	,	PUNCT
ijtc-1599	27	30	2022	2022	NUM
ijtc-1599	27	31	;	;	PUNCT
ijtc-1599	27	32	adewole	adewole	NOUN
ijtc-1599	27	33	et	et	PROPN
ijtc-1599	27	34	al	al	PROPN
ijtc-1599	27	35	.	.	PROPN
ijtc-1599	27	36	,	,	PUNCT
ijtc-1599	27	37	2022	2022	NUM
ijtc-1599	27	38	)	)	PUNCT
ijtc-1599	27	39	.	.	PUNCT
ijtc-1599	28	1	agribusiness	agribusiness	PROPN
ijtc-1599	28	2	cooperative	cooperative	ADJ
ijtc-1599	28	3	societies	society	NOUN
ijtc-1599	28	4	have	have	AUX
ijtc-1599	28	5	emerged	emerge	VERB
ijtc-1599	28	6	as	as	ADP
ijtc-1599	28	7	vital	vital	ADJ
ijtc-1599	28	8	instruments	instrument	NOUN
ijtc-1599	28	9	for	for	ADP
ijtc-1599	28	10	economic	economic	ADJ
ijtc-1599	28	11	development	development	NOUN
ijtc-1599	28	12	and	and	CCONJ
ijtc-1599	28	13	poverty	poverty	NOUN
ijtc-1599	28	14	alleviation	alleviation	NOUN
ijtc-1599	28	15	in	in	ADP
ijtc-1599	28	16	many	many	ADJ
ijtc-1599	28	17	developing	develop	VERB
ijtc-1599	28	18	countries	country	NOUN
ijtc-1599	28	19	,	,	PUNCT
ijtc-1599	28	20	including	include	VERB
ijtc-1599	28	21	nigeria	nigeria	PROPN
ijtc-1599	28	22	(	(	PUNCT
ijtc-1599	28	23	ismail	ismail	PROPN
ijtc-1599	28	24	2023	2023	NUM
ijtc-1599	28	25	)	)	PUNCT
ijtc-1599	28	26	.	.	PUNCT
ijtc-1599	29	1	these	these	DET
ijtc-1599	29	2	cooperatives	cooperative	NOUN
ijtc-1599	29	3	aim	aim	VERB
ijtc-1599	29	4	to	to	PART
ijtc-1599	29	5	improve	improve	VERB
ijtc-1599	29	6	their	their	PRON
ijtc-1599	29	7	members	member	NOUN
ijtc-1599	29	8	'	'	PART
ijtc-1599	29	9	livelihoods	livelihood	NOUN
ijtc-1599	29	10	by	by	ADP
ijtc-1599	29	11	providing	provide	VERB
ijtc-1599	29	12	access	access	NOUN
ijtc-1599	29	13	to	to	ADP
ijtc-1599	29	14	resources	resource	NOUN
ijtc-1599	29	15	,	,	PUNCT
ijtc-1599	29	16	improving	improve	VERB
ijtc-1599	29	17	productivity	productivity	NOUN
ijtc-1599	29	18	,	,	PUNCT
ijtc-1599	29	19	and	and	CCONJ
ijtc-1599	29	20	enhancing	enhance	VERB
ijtc-1599	29	21	market	market	NOUN
ijtc-1599	29	22	access	access	NOUN
ijtc-1599	29	23	.	.	PUNCT
ijtc-1599	30	1	they	they	PRON
ijtc-1599	30	2	assist	assist	VERB
ijtc-1599	30	3	in	in	ADP
ijtc-1599	30	4	giving	give	VERB
ijtc-1599	30	5	small	small	ADJ
ijtc-1599	30	6	loans	loan	NOUN
ijtc-1599	30	7	to	to	ADP
ijtc-1599	30	8	the	the	DET
ijtc-1599	30	9	underprivileged	underprivileged	ADJ
ijtc-1599	30	10	who	who	PRON
ijtc-1599	30	11	do	do	AUX
ijtc-1599	30	12	not	not	PART
ijtc-1599	30	13	have	have	VERB
ijtc-1599	30	14	access	access	NOUN
ijtc-1599	30	15	to	to	ADP
ijtc-1599	30	16	standard	standard	ADJ
ijtc-1599	30	17	banking	banking	NOUN
ijtc-1599	30	18	services	service	NOUN
ijtc-1599	30	19	,	,	PUNCT
ijtc-1599	30	20	which	which	PRON
ijtc-1599	30	21	has	have	AUX
ijtc-1599	30	22	been	be	AUX
ijtc-1599	30	23	promoted	promote	VERB
ijtc-1599	30	24	as	as	ADP
ijtc-1599	30	25	a	a	DET
ijtc-1599	30	26	powerful	powerful	ADJ
ijtc-1599	30	27	tool	tool	NOUN
ijtc-1599	30	28	for	for	ADP
ijtc-1599	30	29	poverty	poverty	NOUN
ijtc-1599	30	30	alleviation	alleviation	NOUN
ijtc-1599	30	31	worldwide	worldwide	ADV
ijtc-1599	30	32	(	(	PUNCT
ijtc-1599	30	33	adam	adam	PROPN
ijtc-1599	30	34	,	,	PUNCT
ijtc-1599	30	35	2023	2023	NUM
ijtc-1599	30	36	;	;	PUNCT
ijtc-1599	30	37	rasaki	rasaki	NOUN
ijtc-1599	30	38	et	et	PROPN
ijtc-1599	30	39	al	al	PROPN
ijtc-1599	30	40	.	.	PROPN
ijtc-1599	30	41	,	,	PUNCT
ijtc-1599	30	42	2018	2018	NUM
ijtc-1599	30	43	;	;	PUNCT
ijtc-1599	31	1	nwankwo	nwankwo	PROPN
ijtc-1599	31	2	et	et	PROPN
ijtc-1599	31	3	al	al	PROPN
ijtc-1599	31	4	.	.	PROPN
ijtc-1599	31	5	,	,	PUNCT
ijtc-1599	31	6	2016	2016	NUM
ijtc-1599	31	7	;	;	PUNCT
ijtc-1599	31	8	ajayi	ajayi	NOUN
ijtc-1599	31	9	2022	2022	NUM
ijtc-1599	31	10	)	)	PUNCT
ijtc-1599	31	11	.	.	PUNCT
ijtc-1599	32	1	in	in	ADP
ijtc-1599	32	2	nigeria	nigeria	PROPN
ijtc-1599	32	3	,	,	PUNCT
ijtc-1599	32	4	microcredit	microcredit	NOUN
ijtc-1599	32	5	schemes	scheme	NOUN
ijtc-1599	32	6	have	have	AUX
ijtc-1599	32	7	been	be	AUX
ijtc-1599	32	8	implemented	implement	VERB
ijtc-1599	32	9	to	to	PART
ijtc-1599	32	10	empower	empower	VERB
ijtc-1599	32	11	economically	economically	ADV
ijtc-1599	32	12	disadvantaged	disadvantaged	ADJ
ijtc-1599	32	13	individuals	individual	NOUN
ijtc-1599	32	14	,	,	PUNCT
ijtc-1599	32	15	particularly	particularly	ADV
ijtc-1599	32	16	in	in	ADP
ijtc-1599	32	17	rural	rural	ADJ
ijtc-1599	32	18	areas	area	NOUN
ijtc-1599	32	19	,	,	PUNCT
ijtc-1599	32	20	to	to	PART
ijtc-1599	32	21	engage	engage	VERB
ijtc-1599	32	22	in	in	ADP
ijtc-1599	32	23	income	income	NOUN
ijtc-1599	32	24	-	-	PUNCT
ijtc-1599	32	25	generating	generate	VERB
ijtc-1599	32	26	activities	activity	NOUN
ijtc-1599	32	27	.	.	PUNCT
ijtc-1599	33	1	cooperative	cooperative	ADJ
ijtc-1599	33	2	societies	society	NOUN
ijtc-1599	33	3	are	be	AUX
ijtc-1599	33	4	designed	design	VERB
ijtc-1599	33	5	to	to	PART
ijtc-1599	33	6	serve	serve	VERB
ijtc-1599	33	7	the	the	DET
ijtc-1599	33	8	needs	need	NOUN
ijtc-1599	33	9	of	of	ADP
ijtc-1599	33	10	their	their	PRON
ijtc-1599	33	11	members	member	NOUN
ijtc-1599	33	12	,	,	PUNCT
ijtc-1599	33	13	who	who	PRON
ijtc-1599	33	14	jointly	jointly	ADV
ijtc-1599	33	15	own	own	VERB
ijtc-1599	33	16	and	and	CCONJ
ijtc-1599	33	17	democratically	democratically	ADV
ijtc-1599	33	18	control	control	VERB
ijtc-1599	33	19	the	the	DET
ijtc-1599	33	20	organization	organization	NOUN
ijtc-1599	33	21	.	.	PUNCT
ijtc-1599	34	1	they	they	PRON
ijtc-1599	34	2	operate	operate	VERB
ijtc-1599	34	3	on	on	ADP
ijtc-1599	34	4	principles	principle	NOUN
ijtc-1599	34	5	such	such	ADJ
ijtc-1599	34	6	as	as	ADP
ijtc-1599	34	7	voluntary	voluntary	ADJ
ijtc-1599	34	8	and	and	CCONJ
ijtc-1599	34	9	open	open	ADJ
ijtc-1599	34	10	membership	membership	NOUN
ijtc-1599	34	11	,	,	PUNCT
ijtc-1599	34	12	democratic	democratic	ADJ
ijtc-1599	34	13	member	member	NOUN
ijtc-1599	34	14	control	control	PROPN
ijtc-1599	34	15	,	,	PUNCT
ijtc-1599	34	16	member	member	NOUN
ijtc-1599	34	17	economic	economic	ADJ
ijtc-1599	34	18	participation	participation	NOUN
ijtc-1599	34	19	,	,	PUNCT
ijtc-1599	34	20	autonomy	autonomy	NOUN
ijtc-1599	34	21	,	,	PUNCT
ijtc-1599	34	22	and	and	CCONJ
ijtc-1599	34	23	independence	independence	NOUN
ijtc-1599	34	24	,	,	PUNCT
ijtc-1599	34	25	education	education	NOUN
ijtc-1599	34	26	,	,	PUNCT
ijtc-1599	34	27	and	and	CCONJ
ijtc-1599	34	28	training	training	NOUN
ijtc-1599	34	29	,	,	PUNCT
ijtc-1599	34	30	cooperation	cooperation	NOUN
ijtc-1599	34	31	among	among	ADP
ijtc-1599	34	32	cooperatives	cooperative	NOUN
ijtc-1599	34	33	,	,	PUNCT
ijtc-1599	34	34	and	and	CCONJ
ijtc-1599	34	35	concern	concern	NOUN
ijtc-1599	34	36	for	for	ADP
ijtc-1599	34	37	the	the	DET
ijtc-1599	34	38	community	community	NOUN
ijtc-1599	34	39	.	.	PUNCT
ijtc-1599	35	1	the	the	DET
ijtc-1599	35	2	primary	primary	ADJ
ijtc-1599	35	3	goal	goal	NOUN
ijtc-1599	35	4	is	be	AUX
ijtc-1599	35	5	to	to	PART
ijtc-1599	35	6	benefit	benefit	VERB
ijtc-1599	35	7	the	the	DET
ijtc-1599	35	8	members	member	NOUN
ijtc-1599	35	9	rather	rather	ADV
ijtc-1599	35	10	than	than	ADP
ijtc-1599	35	11	maximize	maximize	VERB
ijtc-1599	35	12	profit	profit	NOUN
ijtc-1599	35	13	,	,	PUNCT
ijtc-1599	35	14	distinguishing	distinguish	VERB
ijtc-1599	35	15	them	they	PRON
ijtc-1599	35	16	from	from	ADP
ijtc-1599	35	17	other	other	ADJ
ijtc-1599	35	18	business	business	NOUN
ijtc-1599	35	19	models	model	NOUN
ijtc-1599	35	20	.	.	PUNCT
ijtc-1599	36	1	adebayo	adebayo	PROPN
ijtc-1599	36	2	(	(	PUNCT
ijtc-1599	36	3	2022	2022	NUM
ijtc-1599	36	4	)	)	PUNCT
ijtc-1599	36	5	asserted	assert	VERB
ijtc-1599	36	6	that	that	SCONJ
ijtc-1599	36	7	people	people	NOUN
ijtc-1599	36	8	come	come	VERB
ijtc-1599	36	9	together	together	ADV
ijtc-1599	36	10	to	to	PART
ijtc-1599	36	11	pull	pull	VERB
ijtc-1599	36	12	their	their	PRON
ijtc-1599	36	13	resources	resource	NOUN
ijtc-1599	36	14	,	,	PUNCT
ijtc-1599	36	15	utilize	utilize	VERB
ijtc-1599	36	16	them	they	PRON
ijtc-1599	36	17	in	in	ADP
ijtc-1599	36	18	the	the	DET
ijtc-1599	36	19	best	good	ADJ
ijtc-1599	36	20	possible	possible	ADJ
ijtc-1599	36	21	manner	manner	NOUN
ijtc-1599	36	22	,	,	PUNCT
ijtc-1599	36	23	and	and	CCONJ
ijtc-1599	36	24	derive	derive	VERB
ijtc-1599	36	25	some	some	DET
ijtc-1599	36	26	common	common	ADJ
ijtc-1599	36	27	benefit	benefit	NOUN
ijtc-1599	36	28	.	.	PUNCT
ijtc-1599	37	1	despite	despite	SCONJ
ijtc-1599	37	2	the	the	DET
ijtc-1599	37	3	efforts	effort	NOUN
ijtc-1599	37	4	made	make	VERB
ijtc-1599	37	5	by	by	ADP
ijtc-1599	37	6	most	most	ADJ
ijtc-1599	37	7	nations	nation	NOUN
ijtc-1599	37	8	to	to	PART
ijtc-1599	37	9	reduce	reduce	VERB
ijtc-1599	37	10	poverty	poverty	NOUN
ijtc-1599	37	11	levels	level	NOUN
ijtc-1599	37	12	,	,	PUNCT
ijtc-1599	37	13	evidence	evidence	NOUN
ijtc-1599	37	14	indicates	indicate	VERB
ijtc-1599	37	15	that	that	SCONJ
ijtc-1599	37	16	a	a	DET
ijtc-1599	37	17	substantial	substantial	ADJ
ijtc-1599	37	18	portion	portion	NOUN
ijtc-1599	37	19	of	of	ADP
ijtc-1599	37	20	the	the	DET
ijtc-1599	37	21	population	population	NOUN
ijtc-1599	37	22	continues	continue	VERB
ijtc-1599	37	23	to	to	PART
ijtc-1599	37	24	live	live	VERB
ijtc-1599	37	25	below	below	ADP
ijtc-1599	37	26	the	the	DET
ijtc-1599	37	27	poverty	poverty	NOUN
ijtc-1599	37	28	line	line	NOUN
ijtc-1599	37	29	(	(	PUNCT
ijtc-1599	37	30	ijaiya	ijaiya	PROPN
ijtc-1599	37	31	&	&	CCONJ
ijtc-1599	37	32	adesinauthman	adesinauthman	PROPN
ijtc-1599	37	33	,	,	PUNCT
ijtc-1599	37	34	2021	2021	NUM
ijtc-1599	37	35	)	)	PUNCT
ijtc-1599	37	36	.	.	PUNCT
ijtc-1599	38	1	this	this	DET
ijtc-1599	38	2	ongoing	ongoing	ADJ
ijtc-1599	38	3	challenge	challenge	NOUN
ijtc-1599	38	4	highlights	highlight	NOUN
ijtc-1599	38	5	the	the	DET
ijtc-1599	38	6	complexity	complexity	NOUN
ijtc-1599	38	7	of	of	ADP
ijtc-1599	38	8	poverty	poverty	NOUN
ijtc-1599	38	9	and	and	CCONJ
ijtc-1599	38	10	the	the	DET
ijtc-1599	38	11	need	need	NOUN
ijtc-1599	38	12	for	for	ADP
ijtc-1599	38	13	multifaceted	multifaceted	ADJ
ijtc-1599	38	14	approaches	approach	NOUN
ijtc-1599	38	15	to	to	PART
ijtc-1599	38	16	address	address	VERB
ijtc-1599	38	17	its	its	PRON
ijtc-1599	38	18	root	root	NOUN
ijtc-1599	38	19	causes	cause	NOUN
ijtc-1599	38	20	and	and	CCONJ
ijtc-1599	38	21	consequences	consequence	NOUN
ijtc-1599	38	22	effectively	effectively	ADV
ijtc-1599	38	23	.	.	PUNCT
ijtc-1599	39	1	the	the	DET
ijtc-1599	39	2	nigerian	nigerian	ADJ
ijtc-1599	39	3	government	government	NOUN
ijtc-1599	39	4	has	have	AUX
ijtc-1599	39	5	developed	develop	VERB
ijtc-1599	39	6	several	several	ADJ
ijtc-1599	39	7	policies	policy	NOUN
ijtc-1599	39	8	and	and	CCONJ
ijtc-1599	39	9	initiatives	initiative	NOUN
ijtc-1599	39	10	over	over	ADP
ijtc-1599	39	11	the	the	DET
ijtc-1599	39	12	years	year	NOUN
ijtc-1599	39	13	to	to	PART
ijtc-1599	39	14	try	try	VERB
ijtc-1599	39	15	and	and	CCONJ
ijtc-1599	39	16	lower	lower	VERB
ijtc-1599	39	17	the	the	DET
ijtc-1599	39	18	country	country	NOUN
ijtc-1599	39	19	's	's	PART
ijtc-1599	39	20	poverty	poverty	NOUN
ijtc-1599	39	21	rate	rate	NOUN
ijtc-1599	39	22	,	,	PUNCT
ijtc-1599	39	23	yet	yet	CCONJ
ijtc-1599	39	24	it	it	PRON
ijtc-1599	39	25	is	be	AUX
ijtc-1599	39	26	undeniable	undeniable	ADJ
ijtc-1599	39	27	that	that	SCONJ
ijtc-1599	39	28	the	the	DET
ijtc-1599	39	29	rate	rate	NOUN
ijtc-1599	39	30	of	of	ADP
ijtc-1599	39	31	poverty	poverty	NOUN
ijtc-1599	39	32	is	be	AUX
ijtc-1599	39	33	continuously	continuously	ADV
ijtc-1599	39	34	rising	rise	VERB
ijtc-1599	39	35	(	(	PUNCT
ijtc-1599	39	36	balogun	balogun	VERB
ijtc-1599	39	37	,	,	PUNCT
ijtc-1599	39	38	2022	2022	NUM
ijtc-1599	39	39	;	;	PUNCT
ijtc-1599	39	40	nawai	nawai	PROPN
ijtc-1599	39	41	&	&	CCONJ
ijtc-1599	39	42	shafii	shafii	ADJ
ijtc-1599	39	43	,	,	PUNCT
ijtc-1599	39	44	2017	2017	NUM
ijtc-1599	39	45	;	;	PUNCT
ijtc-1599	39	46	hamilton	hamilton	PROPN
ijtc-1599	39	47	&	&	CCONJ
ijtc-1599	39	48	godwin	godwin	PROPN
ijtc-1599	39	49	,	,	PUNCT
ijtc-1599	39	50	2016	2016	NUM
ijtc-1599	39	51	)	)	PUNCT
ijtc-1599	39	52	.	.	PUNCT
ijtc-1599	40	1	fewer	few	ADJ
ijtc-1599	40	2	studies	study	NOUN
ijtc-1599	40	3	have	have	AUX
ijtc-1599	40	4	examined	examine	VERB
ijtc-1599	40	5	how	how	SCONJ
ijtc-1599	40	6	timely	timely	ADJ
ijtc-1599	40	7	access	access	NOUN
ijtc-1599	40	8	to	to	ADP
ijtc-1599	40	9	microcredit	microcredit	NOUN
ijtc-1599	40	10	,	,	PUNCT
ijtc-1599	40	11	microcredit	microcredit	NOUN
ijtc-1599	40	12	lending	lending	NOUN
ijtc-1599	40	13	rates	rate	NOUN
ijtc-1599	40	14	,	,	PUNCT
ijtc-1599	40	15	and	and	CCONJ
ijtc-1599	40	16	technical	technical	ADJ
ijtc-1599	40	17	support	support	NOUN
ijtc-1599	40	18	by	by	ADP
ijtc-1599	40	19	agribusiness	agribusiness	NOUN
ijtc-1599	40	20	cooperative	cooperative	ADJ
ijtc-1599	40	21	societies	society	NOUN
ijtc-1599	40	22	contribute	contribute	VERB
ijtc-1599	40	23	to	to	ADP
ijtc-1599	40	24	poverty	poverty	NOUN
ijtc-1599	40	25	alleviation	alleviation	NOUN
ijtc-1599	40	26	among	among	ADP
ijtc-1599	40	27	their	their	PRON
ijtc-1599	40	28	members	member	NOUN
ijtc-1599	40	29	.	.	PUNCT
ijtc-1599	41	1	adewole	adewole	NOUN
ijtc-1599	41	2	et	et	PROPN
ijtc-1599	41	3	al	al	PROPN
ijtc-1599	41	4	.	.	PROPN
ijtc-1599	42	1	(	(	PUNCT
ijtc-1599	42	2	2022	2022	NUM
ijtc-1599	42	3	)	)	PUNCT
ijtc-1599	42	4	show	show	VERB
ijtc-1599	42	5	that	that	SCONJ
ijtc-1599	42	6	islamic	islamic	ADJ
ijtc-1599	42	7	cooperative	cooperative	ADJ
ijtc-1599	42	8	societies	society	NOUN
ijtc-1599	42	9	affect	affect	VERB
ijtc-1599	42	10	the	the	DET
ijtc-1599	42	11	efficiency	efficiency	NOUN
ijtc-1599	42	12	of	of	ADP
ijtc-1599	42	13	financial	financial	ADJ
ijtc-1599	42	14	intermediation	intermediation	NOUN
ijtc-1599	42	15	in	in	ADP
ijtc-1599	42	16	ife	ife	PROPN
ijtc-1599	42	17	east	east	PROPN
ijtc-1599	42	18	local	local	ADJ
ijtc-1599	42	19	government	government	NOUN
ijtc-1599	42	20	,	,	PUNCT
ijtc-1599	42	21	osun	osun	PROPN
ijtc-1599	42	22	state	state	PROPN
ijtc-1599	42	23	.	.	PUNCT
ijtc-1599	43	1	using	use	VERB
ijtc-1599	43	2	logistic	logistic	ADJ
ijtc-1599	43	3	regression	regression	NOUN
ijtc-1599	43	4	analysis	analysis	NOUN
ijtc-1599	43	5	,	,	PUNCT
ijtc-1599	43	6	abdulrazaq	abdulrazaq	PROPN
ijtc-1599	43	7	(	(	PUNCT
ijtc-1599	43	8	2021	2021	NUM
ijtc-1599	43	9	)	)	PUNCT
ijtc-1599	43	10	shows	show	VERB
ijtc-1599	43	11	the	the	DET
ijtc-1599	43	12	financial	financial	ADJ
ijtc-1599	43	13	resources	resource	NOUN
ijtc-1599	43	14	mobilization	mobilization	NOUN
ijtc-1599	43	15	of	of	ADP
ijtc-1599	43	16	interest	interest	NOUN
ijtc-1599	43	17	-	-	PUNCT
ijtc-1599	43	18	free	free	ADJ
ijtc-1599	43	19	cooperative	cooperative	ADJ
ijtc-1599	43	20	societies	society	NOUN
ijtc-1599	43	21	in	in	ADP
ijtc-1599	43	22	ilorin	ilorin	NOUN
ijtc-1599	43	23	,	,	PUNCT
ijtc-1599	43	24	kwara	kwara	PROPN
ijtc-1599	43	25	state	state	PROPN
ijtc-1599	43	26	,	,	PUNCT
ijtc-1599	43	27	nigeria	nigeria	PROPN
ijtc-1599	43	28	.	.	PUNCT
ijtc-1599	44	1	at	at	ADP
ijtc-1599	44	2	the	the	DET
ijtc-1599	44	3	same	same	ADJ
ijtc-1599	44	4	time	time	NOUN
ijtc-1599	44	5	,	,	PUNCT
ijtc-1599	44	6	using	use	VERB
ijtc-1599	44	7	principal	principal	ADJ
ijtc-1599	44	8	component	component	NOUN
ijtc-1599	44	9	analysis	analysis	NOUN
ijtc-1599	44	10	,	,	PUNCT
ijtc-1599	44	11	ajayi	ajayi	NOUN
ijtc-1599	44	12	(	(	PUNCT
ijtc-1599	44	13	2022	2022	NUM
ijtc-1599	44	14	)	)	PUNCT
ijtc-1599	44	15	determined	determine	VERB
ijtc-1599	44	16	factors	factor	NOUN
ijtc-1599	44	17	militating	militate	VERB
ijtc-1599	44	18	against	against	ADP
ijtc-1599	44	19	cooperative	cooperative	ADJ
ijtc-1599	44	20	societies	society	NOUN
ijtc-1599	44	21	'	'	PART
ijtc-1599	44	22	contributions	contribution	NOUN
ijtc-1599	44	23	to	to	ADP
ijtc-1599	44	24	housing	housing	NOUN
ijtc-1599	44	25	development	development	NOUN
ijtc-1599	44	26	in	in	ADP
ijtc-1599	44	27	osogbo	osogbo	PROPN
ijtc-1599	44	28	,	,	PUNCT
ijtc-1599	44	29	nigeria	nigeria	PROPN
ijtc-1599	44	30	.	.	PUNCT
ijtc-1599	45	1	previous	previous	ADJ
ijtc-1599	45	2	research	research	NOUN
ijtc-1599	45	3	,	,	PUNCT
ijtc-1599	45	4	including	include	VERB
ijtc-1599	45	5	udenwa	udenwa	PROPN
ijtc-1599	45	6	et	et	PROPN
ijtc-1599	45	7	al	al	PROPN
ijtc-1599	45	8	.	.	PROPN
ijtc-1599	45	9	(	(	PUNCT
ijtc-1599	45	10	2023	2023	NUM
ijtc-1599	45	11	)	)	PUNCT
ijtc-1599	45	12	,	,	PUNCT
ijtc-1599	45	13	rasaki	rasaki	NOUN
ijtc-1599	45	14	et	et	PROPN
ijtc-1599	45	15	al	al	PROPN
ijtc-1599	45	16	.	.	PUNCT
ijtc-1599	45	17	(	(	PUNCT
ijtc-1599	45	18	2018	2018	NUM
ijtc-1599	45	19	)	)	PUNCT
ijtc-1599	45	20	,	,	PUNCT
ijtc-1599	45	21	nwankwo	nwankwo	PROPN
ijtc-1599	45	22	et	et	PROPN
ijtc-1599	45	23	al	al	PROPN
ijtc-1599	45	24	.	.	PROPN
ijtc-1599	46	1	(	(	PUNCT
ijtc-1599	46	2	2016	2016	NUM
ijtc-1599	46	3	)	)	PUNCT
ijtc-1599	46	4	,	,	PUNCT
ijtc-1599	46	5	ayoola	ayoola	PROPN
ijtc-1599	46	6	(	(	PUNCT
ijtc-1599	46	7	2022	2022	NUM
ijtc-1599	46	8	)	)	PUNCT
ijtc-1599	46	9	,	,	PUNCT
ijtc-1599	46	10	kolade	kolade	PROPN
ijtc-1599	46	11	(	(	PUNCT
ijtc-1599	46	12	2023	2023	NUM
ijtc-1599	46	13	)	)	PUNCT
ijtc-1599	46	14	,	,	PUNCT
ijtc-1599	46	15	ayinde	ayinde	NOUN
ijtc-1599	46	16	(	(	PUNCT
ijtc-1599	46	17	2023	2023	NUM
ijtc-1599	46	18	)	)	PUNCT
ijtc-1599	46	19	,	,	PUNCT
ijtc-1599	46	20	and	and	CCONJ
ijtc-1599	46	21	others	other	NOUN
ijtc-1599	46	22	,	,	PUNCT
ijtc-1599	46	23	has	have	AUX
ijtc-1599	46	24	overlooked	overlook	VERB
ijtc-1599	46	25	the	the	DET
ijtc-1599	46	26	specific	specific	ADJ
ijtc-1599	46	27	activities	activity	NOUN
ijtc-1599	46	28	of	of	ADP
ijtc-1599	46	29	agribusiness	agribusiness	NOUN
ijtc-1599	46	30	cooperative	cooperative	ADJ
ijtc-1599	46	31	societies	society	NOUN
ijtc-1599	46	32	that	that	PRON
ijtc-1599	46	33	directly	directly	ADV
ijtc-1599	46	34	contribute	contribute	VERB
ijtc-1599	46	35	to	to	ADP
ijtc-1599	46	36	poverty	poverty	NOUN
ijtc-1599	46	37	eradication	eradication	NOUN
ijtc-1599	46	38	among	among	ADP
ijtc-1599	46	39	their	their	PRON
ijtc-1599	46	40	members	member	NOUN
ijtc-1599	46	41	.	.	PUNCT
ijtc-1599	47	1	the	the	DET
ijtc-1599	47	2	paper	paper	NOUN
ijtc-1599	47	3	addresses	address	VERB
ijtc-1599	47	4	this	this	DET
ijtc-1599	47	5	gap	gap	NOUN
ijtc-1599	47	6	by	by	ADP
ijtc-1599	47	7	examining	examine	VERB
ijtc-1599	47	8	how	how	SCONJ
ijtc-1599	47	9	micro	micro	ADJ
ijtc-1599	47	10	credit	credit	NOUN
ijtc-1599	47	11	impacts	impact	VERB
ijtc-1599	47	12	poverty	poverty	NOUN
ijtc-1599	47	13	alleviation	alleviation	NOUN
ijtc-1599	47	14	,	,	PUNCT
ijtc-1599	47	15	focusing	focus	VERB
ijtc-1599	47	16	on	on	ADP
ijtc-1599	47	17	selected	select	VERB
ijtc-1599	47	18	agribusiness	agribusiness	NOUN
ijtc-1599	47	19	cooperative	cooperative	ADJ
ijtc-1599	47	20	societies	society	NOUN
ijtc-1599	47	21	in	in	ADP
ijtc-1599	47	22	oyo	oyo	NOUN
ijtc-1599	47	23	state	state	NOUN
ijtc-1599	47	24	in	in	ADP
ijtc-1599	47	25	nigeria	nigeria	PROPN
ijtc-1599	47	26	.	.	PUNCT
ijtc-1599	48	1	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1599	48	2	micro	micro	PROPN
ijtc-1599	48	3	credit	credit	NOUN
ijtc-1599	48	4	and	and	CCONJ
ijtc-1599	48	5	poverty	poverty	NOUN
ijtc-1599	48	6	alleviation	alleviation	NOUN
ijtc-1599	48	7	in	in	ADP
ijtc-1599	48	8	nigeria	nigeria	PROPN
ijtc-1599	48	9	:	:	PUNCT
ijtc-1599	48	10	evidence	evidence	NOUN
ijtc-1599	48	11	from	from	ADP
ijtc-1599	48	12	selected	select	VERB
ijtc-1599	48	13	agribusiness	agribusiness	NOUN
ijtc-1599	48	14	cooperative	cooperative	ADJ
ijtc-1599	48	15	societies	society	NOUN
ijtc-1599	48	16	in	in	ADP
ijtc-1599	48	17	oyo	oyo	NOUN
ijtc-1599	48	18	state	state	NOUN
ijtc-1599	48	19	ibrahim	ibrahim	PROPN
ijtc-1599	48	20	,	,	PUNCT
ijtc-1599	48	21	gbadebo	gbadebo	NOUN
ijtc-1599	48	22	and	and	CCONJ
ijtc-1599	48	23	dada	dada	PROPN
ijtc-1599	48	24	784	784	NUM
ijtc-1599	48	25	|	|	CCONJ
ijtc-1599	48	26	ilomata	ilomata	NOUN
ijtc-1599	48	27	international	international	ADJ
ijtc-1599	48	28	journal	journal	NOUN
ijtc-1599	48	29	of	of	ADP
ijtc-1599	48	30	tax	tax	PROPN
ijtc-1599	48	31	&	&	CCONJ
ijtc-1599	48	32	accounting	accounting	PROPN
ijtc-1599	48	33	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	ADV
ijtc-1599	48	34	the	the	DET
ijtc-1599	48	35	study	study	NOUN
ijtc-1599	48	36	attempts	attempt	VERB
ijtc-1599	48	37	to	to	PART
ijtc-1599	48	38	respond	respond	VERB
ijtc-1599	48	39	to	to	ADP
ijtc-1599	48	40	two	two	NUM
ijtc-1599	48	41	pressing	press	VERB
ijtc-1599	48	42	research	research	NOUN
ijtc-1599	48	43	questions	question	NOUN
ijtc-1599	48	44	:	:	PUNCT
ijtc-1599	48	45	(	(	PUNCT
ijtc-1599	48	46	1	1	X
ijtc-1599	48	47	)	)	PUNCT
ijtc-1599	48	48	to	to	ADP
ijtc-1599	48	49	what	what	DET
ijtc-1599	48	50	extent	extent	NOUN
ijtc-1599	48	51	does	do	AUX
ijtc-1599	48	52	timely	timely	ADV
ijtc-1599	48	53	access	access	NOUN
ijtc-1599	48	54	to	to	ADP
ijtc-1599	48	55	micro	micro	NOUN
ijtc-1599	48	56	-	-	NOUN
ijtc-1599	48	57	credit	credit	NOUN
ijtc-1599	48	58	affect	affect	VERB
ijtc-1599	48	59	poverty	poverty	NOUN
ijtc-1599	48	60	alleviation	alleviation	NOUN
ijtc-1599	48	61	among	among	ADP
ijtc-1599	48	62	the	the	DET
ijtc-1599	48	63	agribusiness	agribusiness	NOUN
ijtc-1599	48	64	cooperative	cooperative	ADJ
ijtc-1599	48	65	societies	society	NOUN
ijtc-1599	48	66	in	in	ADP
ijtc-1599	48	67	nigeria	nigeria	PROPN
ijtc-1599	48	68	?	?	PUNCT
ijtc-1599	49	1	(	(	PUNCT
ijtc-1599	49	2	2	2	X
ijtc-1599	49	3	)	)	PUNCT
ijtc-1599	49	4	to	to	ADP
ijtc-1599	49	5	what	what	DET
ijtc-1599	49	6	extent	extent	NOUN
ijtc-1599	49	7	does	do	VERB
ijtc-1599	49	8	technical	technical	ADJ
ijtc-1599	49	9	support	support	NOUN
ijtc-1599	49	10	influence	influence	NOUN
ijtc-1599	49	11	poverty	poverty	NOUN
ijtc-1599	49	12	alleviation	alleviation	NOUN
ijtc-1599	49	13	among	among	ADP
ijtc-1599	49	14	the	the	DET
ijtc-1599	49	15	agribusiness	agribusiness	NOUN
ijtc-1599	49	16	cooperative	cooperative	ADJ
ijtc-1599	49	17	societies	society	NOUN
ijtc-1599	49	18	in	in	ADP
ijtc-1599	49	19	nigeria	nigeria	PROPN
ijtc-1599	49	20	?	?	PUNCT
ijtc-1599	50	1	the	the	DET
ijtc-1599	50	2	study	study	NOUN
ijtc-1599	50	3	was	be	AUX
ijtc-1599	50	4	conducted	conduct	VERB
ijtc-1599	50	5	to	to	PART
ijtc-1599	50	6	ascertain	ascertain	VERB
ijtc-1599	50	7	how	how	SCONJ
ijtc-1599	50	8	microcredit	microcredit	NOUN
ijtc-1599	50	9	induced	induce	VERB
ijtc-1599	50	10	poverty	poverty	NOUN
ijtc-1599	50	11	alleviation	alleviation	NOUN
ijtc-1599	50	12	in	in	ADP
ijtc-1599	50	13	nigeria	nigeria	PROPN
ijtc-1599	50	14	,	,	PUNCT
ijtc-1599	50	15	focusing	focus	VERB
ijtc-1599	50	16	on	on	ADP
ijtc-1599	50	17	selected	select	VERB
ijtc-1599	50	18	agribusiness	agribusiness	NOUN
ijtc-1599	50	19	cooperative	cooperative	ADJ
ijtc-1599	50	20	societies	society	NOUN
ijtc-1599	50	21	in	in	ADP
ijtc-1599	50	22	oyo	oyo	NOUN
ijtc-1599	50	23	state	state	NOUN
ijtc-1599	50	24	.	.	PUNCT
ijtc-1599	51	1	we	we	PRON
ijtc-1599	51	2	followed	follow	VERB
ijtc-1599	51	3	a	a	DET
ijtc-1599	51	4	survey	survey	NOUN
ijtc-1599	51	5	approach	approach	NOUN
ijtc-1599	51	6	and	and	CCONJ
ijtc-1599	51	7	administered	administer	VERB
ijtc-1599	51	8	a	a	DET
ijtc-1599	51	9	designed	design	VERB
ijtc-1599	51	10	questionnaire	questionnaire	NOUN
ijtc-1599	51	11	carefully	carefully	ADV
ijtc-1599	51	12	crafted	craft	VERB
ijtc-1599	51	13	using	use	VERB
ijtc-1599	51	14	a	a	DET
ijtc-1599	51	15	3	3	NUM
ijtc-1599	51	16	-	-	PUNCT
ijtc-1599	51	17	point	point	NOUN
ijtc-1599	51	18	likert	likert	ADJ
ijtc-1599	51	19	scale	scale	NOUN
ijtc-1599	51	20	.	.	PUNCT
ijtc-1599	52	1	respondents	respondent	NOUN
ijtc-1599	52	2	were	be	AUX
ijtc-1599	52	3	asked	ask	VERB
ijtc-1599	52	4	to	to	PART
ijtc-1599	52	5	indicate	indicate	VERB
ijtc-1599	52	6	how	how	SCONJ
ijtc-1599	52	7	much	much	ADJ
ijtc-1599	52	8	they	they	PRON
ijtc-1599	52	9	agreed	agree	VERB
ijtc-1599	52	10	or	or	CCONJ
ijtc-1599	52	11	disagreed	disagree	VERB
ijtc-1599	52	12	with	with	ADP
ijtc-1599	52	13	various	various	ADJ
ijtc-1599	52	14	statements	statement	NOUN
ijtc-1599	52	15	.	.	PUNCT
ijtc-1599	53	1	according	accord	VERB
ijtc-1599	53	2	to	to	ADP
ijtc-1599	53	3	the	the	DET
ijtc-1599	53	4	expectation	expectation	NOUN
ijtc-1599	53	5	,	,	PUNCT
ijtc-1599	53	6	the	the	DET
ijtc-1599	53	7	study	study	NOUN
ijtc-1599	53	8	finds	find	VERB
ijtc-1599	53	9	that	that	SCONJ
ijtc-1599	53	10	cooperative	cooperative	ADJ
ijtc-1599	53	11	society	society	NOUN
ijtc-1599	53	12	has	have	VERB
ijtc-1599	53	13	a	a	DET
ijtc-1599	53	14	large	large	ADJ
ijtc-1599	53	15	impact	impact	NOUN
ijtc-1599	53	16	on	on	ADP
ijtc-1599	53	17	reducing	reduce	VERB
ijtc-1599	53	18	poverty	poverty	NOUN
ijtc-1599	53	19	and	and	CCONJ
ijtc-1599	53	20	,	,	PUNCT
ijtc-1599	53	21	by	by	ADP
ijtc-1599	53	22	implication	implication	NOUN
ijtc-1599	53	23	,	,	PUNCT
ijtc-1599	53	24	has	have	AUX
ijtc-1599	53	25	significantly	significantly	ADV
ijtc-1599	53	26	raised	raise	VERB
ijtc-1599	53	27	the	the	DET
ijtc-1599	53	28	living	living	NOUN
ijtc-1599	53	29	standards	standard	NOUN
ijtc-1599	53	30	of	of	ADP
ijtc-1599	53	31	its	its	PRON
ijtc-1599	53	32	members	member	NOUN
ijtc-1599	53	33	.	.	PUNCT
ijtc-1599	54	1	cooperative	cooperative	ADJ
ijtc-1599	54	2	societies	society	NOUN
ijtc-1599	54	3	have	have	AUX
ijtc-1599	54	4	contributed	contribute	VERB
ijtc-1599	54	5	immensely	immensely	ADV
ijtc-1599	54	6	to	to	ADP
ijtc-1599	54	7	poverty	poverty	NOUN
ijtc-1599	54	8	reduction	reduction	NOUN
ijtc-1599	54	9	in	in	ADP
ijtc-1599	54	10	the	the	DET
ijtc-1599	54	11	area	area	NOUN
ijtc-1599	54	12	studied	study	VERB
ijtc-1599	54	13	.	.	PUNCT
ijtc-1599	55	1	conceptualizing	conceptualize	VERB
ijtc-1599	55	2	poverty	poverty	NOUN
ijtc-1599	55	3	poverty	poverty	NOUN
ijtc-1599	55	4	can	can	AUX
ijtc-1599	55	5	refer	refer	VERB
ijtc-1599	55	6	to	to	ADP
ijtc-1599	55	7	various	various	ADJ
ijtc-1599	55	8	conditions	condition	NOUN
ijtc-1599	55	9	that	that	PRON
ijtc-1599	55	10	have	have	VERB
ijtc-1599	55	11	several	several	ADJ
ijtc-1599	55	12	meanings	meaning	NOUN
ijtc-1599	55	13	in	in	ADP
ijtc-1599	55	14	popular	popular	ADJ
ijtc-1599	55	15	culture	culture	NOUN
ijtc-1599	55	16	.	.	PUNCT
ijtc-1599	56	1	one	one	NUM
ijtc-1599	56	2	important	important	ADJ
ijtc-1599	56	3	thread	thread	NOUN
ijtc-1599	56	4	in	in	ADP
ijtc-1599	56	5	poverty	poverty	NOUN
ijtc-1599	56	6	discourse	discourse	NOUN
ijtc-1599	56	7	is	be	AUX
ijtc-1599	56	8	the	the	DET
ijtc-1599	56	9	lack	lack	NOUN
ijtc-1599	56	10	of	of	ADP
ijtc-1599	56	11	material	material	ADJ
ijtc-1599	56	12	resources	resource	NOUN
ijtc-1599	56	13	necessary	necessary	ADJ
ijtc-1599	56	14	for	for	ADP
ijtc-1599	56	15	survival	survival	NOUN
ijtc-1599	56	16	.	.	PUNCT
ijtc-1599	57	1	poverty	poverty	NOUN
ijtc-1599	57	2	can	can	AUX
ijtc-1599	57	3	be	be	AUX
ijtc-1599	57	4	construed	construe	VERB
ijtc-1599	57	5	in	in	ADP
ijtc-1599	57	6	a	a	DET
ijtc-1599	57	7	narrow	narrow	ADJ
ijtc-1599	57	8	or	or	CCONJ
ijtc-1599	57	9	broad	broad	ADJ
ijtc-1599	57	10	sense	sense	NOUN
ijtc-1599	57	11	.	.	PUNCT
ijtc-1599	58	1	according	accord	VERB
ijtc-1599	58	2	to	to	ADP
ijtc-1599	58	3	the	the	DET
ijtc-1599	58	4	world	world	PROPN
ijtc-1599	58	5	bank	bank	PROPN
ijtc-1599	58	6	,	,	PUNCT
ijtc-1599	58	7	living	live	VERB
ijtc-1599	58	8	on	on	ADP
ijtc-1599	58	9	less	less	ADJ
ijtc-1599	58	10	than	than	ADP
ijtc-1599	58	11	$	$	SYM
ijtc-1599	58	12	2	2	NUM
ijtc-1599	58	13	a	a	DET
ijtc-1599	58	14	day	day	NOUN
ijtc-1599	58	15	is	be	AUX
ijtc-1599	58	16	impoverished	impoverished	ADJ
ijtc-1599	58	17	(	(	PUNCT
ijtc-1599	58	18	world	world	NOUN
ijtc-1599	58	19	bank	bank	PROPN
ijtc-1599	58	20	development	development	PROPN
ijtc-1599	58	21	report	report	NOUN
ijtc-1599	58	22	,	,	PUNCT
ijtc-1599	58	23	2000	2000	NUM
ijtc-1599	58	24	;	;	PUNCT
ijtc-1599	58	25	2001	2001	NUM
ijtc-1599	58	26	)	)	PUNCT
ijtc-1599	58	27	.	.	PUNCT
ijtc-1599	59	1	according	accord	VERB
ijtc-1599	59	2	to	to	ADP
ijtc-1599	59	3	ajayi	ajayi	NOUN
ijtc-1599	59	4	(	(	PUNCT
ijtc-1599	59	5	2020	2020	NUM
ijtc-1599	59	6	)	)	PUNCT
ijtc-1599	59	7	,	,	PUNCT
ijtc-1599	59	8	when	when	SCONJ
ijtc-1599	59	9	poverty	poverty	NOUN
ijtc-1599	59	10	is	be	AUX
ijtc-1599	59	11	viewed	view	VERB
ijtc-1599	59	12	in	in	ADP
ijtc-1599	59	13	the	the	DET
ijtc-1599	59	14	narrowest	narrow	ADJ
ijtc-1599	59	15	sense	sense	NOUN
ijtc-1599	59	16	,	,	PUNCT
ijtc-1599	59	17	it	it	PRON
ijtc-1599	59	18	means	mean	VERB
ijtc-1599	59	19	a	a	DET
ijtc-1599	59	20	lack	lack	NOUN
ijtc-1599	59	21	of	of	ADP
ijtc-1599	59	22	income	income	NOUN
ijtc-1599	59	23	.	.	PUNCT
ijtc-1599	60	1	but	but	CCONJ
ijtc-1599	60	2	in	in	ADP
ijtc-1599	60	3	a	a	DET
ijtc-1599	60	4	broader	broad	ADJ
ijtc-1599	60	5	sense	sense	NOUN
ijtc-1599	60	6	,	,	PUNCT
ijtc-1599	60	7	poverty	poverty	NOUN
ijtc-1599	60	8	can	can	AUX
ijtc-1599	60	9	be	be	AUX
ijtc-1599	60	10	seen	see	VERB
ijtc-1599	60	11	as	as	ADP
ijtc-1599	60	12	multidimensional	multidimensional	ADJ
ijtc-1599	60	13	,	,	PUNCT
ijtc-1599	60	14	encompassing	encompass	VERB
ijtc-1599	60	15	other	other	ADJ
ijtc-1599	60	16	issues	issue	NOUN
ijtc-1599	60	17	such	such	ADJ
ijtc-1599	60	18	as	as	ADP
ijtc-1599	60	19	housing	housing	NOUN
ijtc-1599	60	20	,	,	PUNCT
ijtc-1599	60	21	health	health	NOUN
ijtc-1599	60	22	,	,	PUNCT
ijtc-1599	60	23	education	education	NOUN
ijtc-1599	60	24	,	,	PUNCT
ijtc-1599	60	25	access	access	NOUN
ijtc-1599	60	26	to	to	ADP
ijtc-1599	60	27	services	service	NOUN
ijtc-1599	60	28	,	,	PUNCT
ijtc-1599	60	29	and	and	CCONJ
ijtc-1599	60	30	other	other	ADJ
ijtc-1599	60	31	avenues	avenue	NOUN
ijtc-1599	60	32	of	of	ADP
ijtc-1599	60	33	accessing	access	VERB
ijtc-1599	60	34	resources	resource	NOUN
ijtc-1599	60	35	,	,	PUNCT
ijtc-1599	60	36	and	and	CCONJ
ijtc-1599	60	37	what	what	PRON
ijtc-1599	60	38	is	be	AUX
ijtc-1599	60	39	somewhat	somewhat	ADV
ijtc-1599	60	40	controversially	controversially	ADV
ijtc-1599	60	41	referred	refer	VERB
ijtc-1599	60	42	to	to	ADP
ijtc-1599	60	43	as	as	ADP
ijtc-1599	60	44	social	social	ADJ
ijtc-1599	60	45	capital	capital	NOUN
ijtc-1599	60	46	and	and	CCONJ
ijtc-1599	60	47	access	access	NOUN
ijtc-1599	60	48	to	to	ADP
ijtc-1599	60	49	social	social	ADJ
ijtc-1599	60	50	power	power	NOUN
ijtc-1599	60	51	relations	relation	NOUN
ijtc-1599	60	52	.	.	PUNCT
ijtc-1599	61	1	the	the	DET
ijtc-1599	61	2	most	most	ADV
ijtc-1599	61	3	basic	basic	ADJ
ijtc-1599	61	4	approach	approach	NOUN
ijtc-1599	61	5	is	be	AUX
ijtc-1599	61	6	to	to	PART
ijtc-1599	61	7	define	define	VERB
ijtc-1599	61	8	poverty	poverty	NOUN
ijtc-1599	61	9	as	as	ADP
ijtc-1599	61	10	the	the	DET
ijtc-1599	61	11	inability	inability	NOUN
ijtc-1599	61	12	of	of	ADP
ijtc-1599	61	13	an	an	DET
ijtc-1599	61	14	individual	individual	NOUN
ijtc-1599	61	15	to	to	PART
ijtc-1599	61	16	survive	survive	VERB
ijtc-1599	61	17	,	,	PUNCT
ijtc-1599	61	18	even	even	ADV
ijtc-1599	61	19	in	in	ADP
ijtc-1599	61	20	the	the	DET
ijtc-1599	61	21	short	short	ADJ
ijtc-1599	61	22	term	term	NOUN
ijtc-1599	61	23	that	that	PRON
ijtc-1599	61	24	is	be	AUX
ijtc-1599	61	25	,	,	PUNCT
ijtc-1599	61	26	as	as	ADP
ijtc-1599	61	27	being	be	AUX
ijtc-1599	61	28	completely	completely	ADV
ijtc-1599	61	29	without	without	ADP
ijtc-1599	61	30	the	the	DET
ijtc-1599	61	31	means	mean	NOUN
ijtc-1599	61	32	to	to	PART
ijtc-1599	61	33	survive	survive	VERB
ijtc-1599	61	34	.	.	PUNCT
ijtc-1599	62	1	however	however	ADV
ijtc-1599	62	2	,	,	PUNCT
ijtc-1599	62	3	a	a	DET
ijtc-1599	62	4	broader	broad	ADJ
ijtc-1599	62	5	definition	definition	NOUN
ijtc-1599	62	6	of	of	ADP
ijtc-1599	62	7	poverty	poverty	NOUN
ijtc-1599	62	8	holds	hold	VERB
ijtc-1599	62	9	that	that	SCONJ
ijtc-1599	62	10	individuals	individual	NOUN
ijtc-1599	62	11	are	be	AUX
ijtc-1599	62	12	impoverished	impoverished	ADJ
ijtc-1599	62	13	if	if	SCONJ
ijtc-1599	62	14	they	they	PRON
ijtc-1599	62	15	can	can	AUX
ijtc-1599	62	16	not	not	PART
ijtc-1599	62	17	fully	fully	ADV
ijtc-1599	62	18	engage	engage	VERB
ijtc-1599	62	19	in	in	ADP
ijtc-1599	62	20	society	society	NOUN
ijtc-1599	62	21	as	as	ADP
ijtc-1599	62	22	citizens	citizen	NOUN
ijtc-1599	62	23	.	.	PUNCT
ijtc-1599	63	1	(	(	PUNCT
ijtc-1599	63	2	ajayi	ajayi	NOUN
ijtc-1599	63	3	,	,	PUNCT
ijtc-1599	63	4	2020	2020	NUM
ijtc-1599	63	5	;	;	PUNCT
ijtc-1599	63	6	aremu	aremu	NOUN
ijtc-1599	63	7	,	,	PUNCT
ijtc-1599	63	8	2021	2021	NUM
ijtc-1599	63	9	)	)	PUNCT
ijtc-1599	63	10	.	.	PUNCT
ijtc-1599	64	1	poverty	poverty	NOUN
ijtc-1599	64	2	alleviation	alleviation	PROPN
ijtc-1599	64	3	poverty	poverty	NOUN
ijtc-1599	64	4	alleviation	alleviation	NOUN
ijtc-1599	64	5	refers	refer	VERB
ijtc-1599	64	6	to	to	ADP
ijtc-1599	64	7	strategies	strategy	NOUN
ijtc-1599	64	8	,	,	PUNCT
ijtc-1599	64	9	programs	program	NOUN
ijtc-1599	64	10	,	,	PUNCT
ijtc-1599	64	11	and	and	CCONJ
ijtc-1599	64	12	initiatives	initiative	NOUN
ijtc-1599	64	13	to	to	PART
ijtc-1599	64	14	reduce	reduce	VERB
ijtc-1599	64	15	or	or	CCONJ
ijtc-1599	64	16	eliminate	eliminate	VERB
ijtc-1599	64	17	poverty	poverty	NOUN
ijtc-1599	64	18	.	.	PUNCT
ijtc-1599	65	1	these	these	DET
ijtc-1599	65	2	efforts	effort	NOUN
ijtc-1599	65	3	aim	aim	VERB
ijtc-1599	65	4	to	to	PART
ijtc-1599	65	5	improve	improve	VERB
ijtc-1599	65	6	the	the	DET
ijtc-1599	65	7	economic	economic	ADJ
ijtc-1599	65	8	and	and	CCONJ
ijtc-1599	65	9	social	social	ADJ
ijtc-1599	65	10	conditions	condition	NOUN
ijtc-1599	65	11	of	of	ADP
ijtc-1599	65	12	people	people	NOUN
ijtc-1599	65	13	living	live	VERB
ijtc-1599	65	14	in	in	ADP
ijtc-1599	65	15	poverty	poverty	NOUN
ijtc-1599	65	16	,	,	PUNCT
ijtc-1599	65	17	helping	help	VERB
ijtc-1599	65	18	them	they	PRON
ijtc-1599	65	19	achieve	achieve	VERB
ijtc-1599	65	20	a	a	DET
ijtc-1599	65	21	better	well	ADJ
ijtc-1599	65	22	standard	standard	NOUN
ijtc-1599	65	23	of	of	ADP
ijtc-1599	65	24	living	living	NOUN
ijtc-1599	65	25	and	and	CCONJ
ijtc-1599	65	26	greater	great	ADJ
ijtc-1599	65	27	financial	financial	ADJ
ijtc-1599	65	28	stability	stability	NOUN
ijtc-1599	65	29	.	.	PUNCT
ijtc-1599	66	1	the	the	DET
ijtc-1599	66	2	importance	importance	NOUN
ijtc-1599	66	3	of	of	ADP
ijtc-1599	66	4	access	access	NOUN
ijtc-1599	66	5	to	to	ADP
ijtc-1599	66	6	credit	credit	NOUN
ijtc-1599	66	7	,	,	PUNCT
ijtc-1599	66	8	jobs	job	NOUN
ijtc-1599	66	9	,	,	PUNCT
ijtc-1599	66	10	and	and	CCONJ
ijtc-1599	66	11	living	live	VERB
ijtc-1599	66	12	below	below	ADP
ijtc-1599	66	13	living	living	NOUN
ijtc-1599	66	14	standards	standard	NOUN
ijtc-1599	66	15	can	can	AUX
ijtc-1599	66	16	not	not	PART
ijtc-1599	66	17	be	be	AUX
ijtc-1599	66	18	under	under	ADV
ijtc-1599	66	19	-	-	PUNCT
ijtc-1599	66	20	emphasized	emphasize	VERB
ijtc-1599	66	21	in	in	ADP
ijtc-1599	66	22	poverty	poverty	NOUN
ijtc-1599	66	23	alleviation	alleviation	NOUN
ijtc-1599	66	24	(	(	PUNCT
ijtc-1599	66	25	aremu	aremu	PROPN
ijtc-1599	66	26	,	,	PUNCT
ijtc-1599	66	27	2021	2021	NUM
ijtc-1599	66	28	)	)	PUNCT
ijtc-1599	66	29	.	.	PUNCT
ijtc-1599	67	1	cooperative	cooperative	ADJ
ijtc-1599	67	2	societies	society	NOUN
ijtc-1599	67	3	cooperative	cooperative	ADJ
ijtc-1599	67	4	societies	society	NOUN
ijtc-1599	67	5	are	be	AUX
ijtc-1599	67	6	self	self	NOUN
ijtc-1599	67	7	-	-	PUNCT
ijtc-1599	67	8	governing	govern	VERB
ijtc-1599	67	9	groups	group	NOUN
ijtc-1599	67	10	of	of	ADP
ijtc-1599	67	11	individuals	individual	NOUN
ijtc-1599	67	12	who	who	PRON
ijtc-1599	67	13	have	have	AUX
ijtc-1599	67	14	come	come	VERB
ijtc-1599	67	15	together	together	ADV
ijtc-1599	67	16	voluntarily	voluntarily	ADV
ijtc-1599	67	17	to	to	PART
ijtc-1599	67	18	address	address	VERB
ijtc-1599	67	19	their	their	PRON
ijtc-1599	67	20	shared	share	VERB
ijtc-1599	67	21	economic	economic	ADJ
ijtc-1599	67	22	,	,	PUNCT
ijtc-1599	67	23	social	social	ADJ
ijtc-1599	67	24	,	,	PUNCT
ijtc-1599	67	25	and	and	CCONJ
ijtc-1599	67	26	cultural	cultural	ADJ
ijtc-1599	67	27	requirements	requirement	NOUN
ijtc-1599	67	28	and	and	CCONJ
ijtc-1599	67	29	goals	goal	NOUN
ijtc-1599	67	30	using	use	VERB
ijtc-1599	67	31	a	a	DET
ijtc-1599	67	32	jointly	jointly	ADV
ijtc-1599	67	33	owned	own	VERB
ijtc-1599	67	34	and	and	CCONJ
ijtc-1599	67	35	democratically	democratically	ADV
ijtc-1599	67	36	managed	manage	VERB
ijtc-1599	67	37	business	business	NOUN
ijtc-1599	67	38	(	(	PUNCT
ijtc-1599	67	39	akanji	akanji	PROPN
ijtc-1599	67	40	,	,	PUNCT
ijtc-1599	67	41	2022	2022	NUM
ijtc-1599	67	42	)	)	PUNCT
ijtc-1599	67	43	.	.	PUNCT
ijtc-1599	68	1	cooperative	cooperative	ADJ
ijtc-1599	68	2	societies	society	NOUN
ijtc-1599	68	3	serve	serve	VERB
ijtc-1599	68	4	various	various	ADJ
ijtc-1599	68	5	purposes	purpose	NOUN
ijtc-1599	68	6	since	since	SCONJ
ijtc-1599	68	7	they	they	PRON
ijtc-1599	68	8	encompass	encompass	VERB
ijtc-1599	68	9	all	all	DET
ijtc-1599	68	10	facets	facet	NOUN
ijtc-1599	68	11	of	of	ADP
ijtc-1599	68	12	human	human	ADJ
ijtc-1599	68	13	endeavor	endeavor	NOUN
ijtc-1599	68	14	.	.	PUNCT
ijtc-1599	69	1	bamidele	bamidele	PROPN
ijtc-1599	69	2	(	(	PUNCT
ijtc-1599	69	3	2023	2023	NUM
ijtc-1599	69	4	)	)	PUNCT
ijtc-1599	69	5	divides	divide	VERB
ijtc-1599	69	6	cooperative	cooperative	ADJ
ijtc-1599	69	7	societies	society	NOUN
ijtc-1599	69	8	broadly	broadly	ADV
ijtc-1599	69	9	into	into	ADP
ijtc-1599	69	10	three	three	NUM
ijtc-1599	69	11	categories	category	NOUN
ijtc-1599	69	12	.	.	PUNCT
ijtc-1599	70	1	the	the	DET
ijtc-1599	70	2	first	first	ADJ
ijtc-1599	70	3	are	be	AUX
ijtc-1599	70	4	the	the	DET
ijtc-1599	70	5	cooperatives	cooperative	NOUN
ijtc-1599	70	6	by	by	ADP
ijtc-1599	70	7	primary	primary	ADJ
ijtc-1599	70	8	business	business	NOUN
ijtc-1599	70	9	activity	activity	NOUN
ijtc-1599	70	10	,	,	PUNCT
ijtc-1599	70	11	which	which	PRON
ijtc-1599	70	12	are	be	AUX
ijtc-1599	70	13	cooperative	cooperative	ADJ
ijtc-1599	70	14	societies	society	NOUN
ijtc-1599	70	15	that	that	PRON
ijtc-1599	70	16	fall	fall	VERB
ijtc-1599	70	17	under	under	ADP
ijtc-1599	70	18	agribusiness	agribusiness	NOUN
ijtc-1599	70	19	cooperatives	cooperative	NOUN
ijtc-1599	70	20	.	.	PUNCT
ijtc-1599	71	1	agribusiness	agribusiness	PROPN
ijtc-1599	71	2	cooperative	cooperative	ADJ
ijtc-1599	71	3	societies	society	NOUN
ijtc-1599	71	4	have	have	AUX
ijtc-1599	71	5	emerged	emerge	VERB
ijtc-1599	71	6	as	as	ADP
ijtc-1599	71	7	vital	vital	ADJ
ijtc-1599	71	8	instruments	instrument	NOUN
ijtc-1599	71	9	for	for	ADP
ijtc-1599	71	10	economic	economic	ADJ
ijtc-1599	71	11	development	development	NOUN
ijtc-1599	71	12	and	and	CCONJ
ijtc-1599	71	13	poverty	poverty	NOUN
ijtc-1599	71	14	alleviation	alleviation	NOUN
ijtc-1599	71	15	in	in	ADP
ijtc-1599	71	16	many	many	ADJ
ijtc-1599	71	17	developing	develop	VERB
ijtc-1599	71	18	countries	country	NOUN
ijtc-1599	71	19	,	,	PUNCT
ijtc-1599	71	20	including	include	VERB
ijtc-1599	71	21	nigeria	nigeria	PRON
ijtc-1599	71	22	.	.	PUNCT
ijtc-1599	72	1	these	these	DET
ijtc-1599	72	2	cooperatives	cooperative	NOUN
ijtc-1599	72	3	aim	aim	VERB
ijtc-1599	72	4	to	to	PART
ijtc-1599	72	5	improve	improve	VERB
ijtc-1599	72	6	the	the	DET
ijtc-1599	72	7	livelihoods	livelihood	NOUN
ijtc-1599	72	8	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1599	72	9	micro	micro	ADJ
ijtc-1599	72	10	credit	credit	NOUN
ijtc-1599	72	11	and	and	CCONJ
ijtc-1599	72	12	poverty	poverty	NOUN
ijtc-1599	72	13	alleviation	alleviation	NOUN
ijtc-1599	72	14	in	in	ADP
ijtc-1599	72	15	nigeria	nigeria	PROPN
ijtc-1599	72	16	:	:	PUNCT
ijtc-1599	72	17	evidence	evidence	NOUN
ijtc-1599	72	18	from	from	ADP
ijtc-1599	72	19	selected	select	VERB
ijtc-1599	72	20	agribusiness	agribusiness	NOUN
ijtc-1599	72	21	cooperative	cooperative	ADJ
ijtc-1599	72	22	societies	society	NOUN
ijtc-1599	72	23	in	in	ADP
ijtc-1599	72	24	oyo	oyo	NOUN
ijtc-1599	72	25	state	state	NOUN
ijtc-1599	72	26	ibrahim	ibrahim	PROPN
ijtc-1599	72	27	,	,	PUNCT
ijtc-1599	72	28	gbadebo	gbadebo	NOUN
ijtc-1599	72	29	and	and	CCONJ
ijtc-1599	72	30	dada	dada	PROPN
ijtc-1599	72	31	785	785	NUM
ijtc-1599	72	32	|	|	CCONJ
ijtc-1599	72	33	ilomata	ilomata	PROPN
ijtc-1599	72	34	international	international	ADJ
ijtc-1599	72	35	journal	journal	NOUN
ijtc-1599	72	36	of	of	ADP
ijtc-1599	72	37	tax	tax	PROPN
ijtc-1599	72	38	&	&	CCONJ
ijtc-1599	72	39	accounting	accounting	PROPN
ijtc-1599	72	40	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1599	72	41	of	of	ADP
ijtc-1599	72	42	their	their	PRON
ijtc-1599	72	43	members	member	NOUN
ijtc-1599	72	44	by	by	ADP
ijtc-1599	72	45	providing	provide	VERB
ijtc-1599	72	46	access	access	NOUN
ijtc-1599	72	47	to	to	ADP
ijtc-1599	72	48	resources	resource	NOUN
ijtc-1599	72	49	,	,	PUNCT
ijtc-1599	72	50	improving	improve	VERB
ijtc-1599	72	51	productivity	productivity	NOUN
ijtc-1599	72	52	,	,	PUNCT
ijtc-1599	72	53	and	and	CCONJ
ijtc-1599	72	54	enhancing	enhance	VERB
ijtc-1599	72	55	market	market	NOUN
ijtc-1599	72	56	access	access	NOUN
ijtc-1599	72	57	.	.	PUNCT
ijtc-1599	73	1	the	the	DET
ijtc-1599	73	2	second	second	ADJ
ijtc-1599	73	3	is	be	AUX
ijtc-1599	73	4	the	the	DET
ijtc-1599	73	5	cooperatives	cooperative	NOUN
ijtc-1599	73	6	by	by	ADP
ijtc-1599	73	7	market	market	NOUN
ijtc-1599	73	8	area	area	NOUN
ijtc-1599	73	9	,	,	PUNCT
ijtc-1599	73	10	which	which	PRON
ijtc-1599	73	11	comprises	comprise	VERB
ijtc-1599	73	12	national	national	ADJ
ijtc-1599	73	13	and	and	CCONJ
ijtc-1599	73	14	worldwide	worldwide	ADJ
ijtc-1599	73	15	cooperatives	cooperative	NOUN
ijtc-1599	73	16	and	and	CCONJ
ijtc-1599	73	17	local	local	ADJ
ijtc-1599	73	18	and	and	CCONJ
ijtc-1599	73	19	interregional	interregional	ADJ
ijtc-1599	73	20	cooperatives	cooperative	NOUN
ijtc-1599	73	21	.	.	PUNCT
ijtc-1599	74	1	cooperatives	cooperative	NOUN
ijtc-1599	74	2	by	by	ADP
ijtc-1599	74	3	ownership	ownership	NOUN
ijtc-1599	74	4	structure	structure	NOUN
ijtc-1599	74	5	cooperatives	cooperative	NOUN
ijtc-1599	74	6	can	can	AUX
ijtc-1599	74	7	also	also	ADV
ijtc-1599	74	8	be	be	AUX
ijtc-1599	74	9	classified	classify	VERB
ijtc-1599	74	10	by	by	ADP
ijtc-1599	74	11	their	their	PRON
ijtc-1599	74	12	ownership	ownership	NOUN
ijtc-1599	74	13	structure	structure	NOUN
ijtc-1599	74	14	,	,	PUNCT
ijtc-1599	74	15	which	which	PRON
ijtc-1599	74	16	determines	determine	VERB
ijtc-1599	74	17	how	how	SCONJ
ijtc-1599	74	18	they	they	PRON
ijtc-1599	74	19	are	be	AUX
ijtc-1599	74	20	organized	organize	VERB
ijtc-1599	74	21	and	and	CCONJ
ijtc-1599	74	22	who	who	PRON
ijtc-1599	74	23	controls	control	VERB
ijtc-1599	74	24	them	they	PRON
ijtc-1599	74	25	.	.	PUNCT
ijtc-1599	75	1	the	the	DET
ijtc-1599	75	2	main	main	ADJ
ijtc-1599	75	3	types	type	NOUN
ijtc-1599	75	4	of	of	ADP
ijtc-1599	75	5	cooperatives	cooperative	NOUN
ijtc-1599	75	6	by	by	ADP
ijtc-1599	75	7	ownership	ownership	NOUN
ijtc-1599	75	8	structure	structure	NOUN
ijtc-1599	75	9	include	include	VERB
ijtc-1599	75	10	consumers	consumer	NOUN
ijtc-1599	75	11	,	,	PUNCT
ijtc-1599	75	12	producers	producer	NOUN
ijtc-1599	75	13	,	,	PUNCT
ijtc-1599	75	14	workers	worker	NOUN
ijtc-1599	75	15	,	,	PUNCT
ijtc-1599	75	16	multi	multi	NOUN
ijtc-1599	75	17	-	-	NOUN
ijtc-1599	75	18	stakeholders	stakeholder	NOUN
ijtc-1599	75	19	,	,	PUNCT
ijtc-1599	75	20	housing	housing	NOUN
ijtc-1599	75	21	,	,	PUNCT
ijtc-1599	75	22	and	and	CCONJ
ijtc-1599	75	23	financial	financial	ADJ
ijtc-1599	75	24	cooperatives	cooperative	NOUN
ijtc-1599	75	25	(	(	PUNCT
ijtc-1599	75	26	akanji	akanji	X
ijtc-1599	75	27	2022	2022	NUM
ijtc-1599	75	28	)	)	PUNCT
ijtc-1599	75	29	.	.	PUNCT
ijtc-1599	76	1	the	the	DET
ijtc-1599	76	2	categorization	categorization	NOUN
ijtc-1599	76	3	could	could	AUX
ijtc-1599	76	4	consist	consist	VERB
ijtc-1599	76	5	of	of	ADP
ijtc-1599	76	6	new	new	ADJ
ijtc-1599	76	7	generation	generation	NOUN
ijtc-1599	76	8	cooperatives	cooperative	NOUN
ijtc-1599	76	9	(	(	PUNCT
ijtc-1599	76	10	ngcs	ngcs	ADJ
ijtc-1599	76	11	)	)	PUNCT
ijtc-1599	76	12	,	,	PUNCT
ijtc-1599	76	13	federated	federate	VERB
ijtc-1599	76	14	cooperatives	cooperative	NOUN
ijtc-1599	76	15	,	,	PUNCT
ijtc-1599	76	16	hybrid	hybrid	ADJ
ijtc-1599	76	17	cooperatives	cooperative	NOUN
ijtc-1599	76	18	,	,	PUNCT
ijtc-1599	76	19	centralized	centralized	ADJ
ijtc-1599	76	20	cooperatives	cooperative	NOUN
ijtc-1599	76	21	,	,	PUNCT
ijtc-1599	76	22	and	and	CCONJ
ijtc-1599	76	23	other	other	ADJ
ijtc-1599	76	24	corporate	corporate	ADJ
ijtc-1599	76	25	formats	format	NOUN
ijtc-1599	76	26	are	be	AUX
ijtc-1599	76	27	all	all	PRON
ijtc-1599	76	28	included	include	VERB
ijtc-1599	76	29	in	in	ADP
ijtc-1599	76	30	this	this	DET
ijtc-1599	76	31	classification	classification	NOUN
ijtc-1599	76	32	.	.	PUNCT
ijtc-1599	77	1	most	most	ADJ
ijtc-1599	77	2	cooperative	cooperative	ADJ
ijtc-1599	77	3	societies	society	NOUN
ijtc-1599	77	4	in	in	ADP
ijtc-1599	77	5	oyo	oyo	NOUN
ijtc-1599	77	6	state	state	NOUN
ijtc-1599	77	7	are	be	AUX
ijtc-1599	77	8	those	those	PRON
ijtc-1599	77	9	set	set	VERB
ijtc-1599	77	10	up	up	ADP
ijtc-1599	77	11	to	to	PART
ijtc-1599	77	12	conduct	conduct	VERB
ijtc-1599	77	13	main	main	ADJ
ijtc-1599	77	14	commercial	commercial	ADJ
ijtc-1599	77	15	operations	operation	NOUN
ijtc-1599	77	16	.	.	PUNCT
ijtc-1599	78	1	these	these	DET
ijtc-1599	78	2	agricultural	agricultural	ADJ
ijtc-1599	78	3	cooperative	cooperative	ADJ
ijtc-1599	78	4	societies	society	NOUN
ijtc-1599	78	5	play	play	VERB
ijtc-1599	78	6	a	a	DET
ijtc-1599	78	7	significant	significant	ADJ
ijtc-1599	78	8	role	role	NOUN
ijtc-1599	78	9	in	in	ADP
ijtc-1599	78	10	the	the	DET
ijtc-1599	78	11	lives	life	NOUN
ijtc-1599	78	12	of	of	ADP
ijtc-1599	78	13	rural	rural	ADJ
ijtc-1599	78	14	farmers	farmer	NOUN
ijtc-1599	78	15	.	.	PUNCT
ijtc-1599	79	1	cooperative	cooperative	ADJ
ijtc-1599	79	2	societies	society	NOUN
ijtc-1599	79	3	are	be	AUX
ijtc-1599	79	4	financial	financial	ADJ
ijtc-1599	79	5	institutions	institution	NOUN
ijtc-1599	79	6	authorized	authorize	VERB
ijtc-1599	79	7	to	to	PART
ijtc-1599	79	8	receive	receive	VERB
ijtc-1599	79	9	membership	membership	NOUN
ijtc-1599	79	10	savings	saving	NOUN
ijtc-1599	79	11	and	and	CCONJ
ijtc-1599	79	12	provide	provide	VERB
ijtc-1599	79	13	applicants	applicant	NOUN
ijtc-1599	79	14	with	with	ADP
ijtc-1599	79	15	credit	credit	NOUN
ijtc-1599	79	16	facilities	facility	NOUN
ijtc-1599	79	17	.	.	PUNCT
ijtc-1599	80	1	in	in	ADP
ijtc-1599	80	2	the	the	DET
ijtc-1599	80	3	opinion	opinion	NOUN
ijtc-1599	80	4	of	of	ADP
ijtc-1599	80	5	aremu	aremu	PROPN
ijtc-1599	80	6	(	(	PUNCT
ijtc-1599	80	7	2022	2022	NUM
ijtc-1599	80	8	)	)	PUNCT
ijtc-1599	80	9	,	,	PUNCT
ijtc-1599	80	10	cooperative	cooperative	ADJ
ijtc-1599	80	11	societies	society	NOUN
ijtc-1599	80	12	are	be	AUX
ijtc-1599	80	13	pivotal	pivotal	ADJ
ijtc-1599	80	14	agents	agent	NOUN
ijtc-1599	80	15	that	that	PRON
ijtc-1599	80	16	play	play	VERB
ijtc-1599	80	17	a	a	DET
ijtc-1599	80	18	crucial	crucial	ADJ
ijtc-1599	80	19	role	role	NOUN
ijtc-1599	80	20	in	in	ADP
ijtc-1599	80	21	resource	resource	NOUN
ijtc-1599	80	22	mobilization	mobilization	NOUN
ijtc-1599	80	23	and	and	CCONJ
ijtc-1599	80	24	distribution	distribution	NOUN
ijtc-1599	80	25	within	within	ADP
ijtc-1599	80	26	the	the	DET
ijtc-1599	80	27	association	association	NOUN
ijtc-1599	80	28	.	.	PUNCT
ijtc-1599	81	1	ajibola	ajibola	PROPN
ijtc-1599	81	2	(	(	PUNCT
ijtc-1599	81	3	2023	2023	NUM
ijtc-1599	81	4	)	)	PUNCT
ijtc-1599	81	5	posits	posit	NOUN
ijtc-1599	81	6	that	that	SCONJ
ijtc-1599	81	7	cooperative	cooperative	ADJ
ijtc-1599	81	8	societies	society	NOUN
ijtc-1599	81	9	are	be	AUX
ijtc-1599	81	10	agents	agent	NOUN
ijtc-1599	81	11	that	that	PRON
ijtc-1599	81	12	perform	perform	VERB
ijtc-1599	81	13	special	special	ADJ
ijtc-1599	81	14	responsibilities	responsibility	NOUN
ijtc-1599	81	15	in	in	ADP
ijtc-1599	81	16	any	any	DET
ijtc-1599	81	17	economy	economy	NOUN
ijtc-1599	81	18	through	through	ADP
ijtc-1599	81	19	the	the	DET
ijtc-1599	81	20	rendition	rendition	NOUN
ijtc-1599	81	21	of	of	ADP
ijtc-1599	81	22	financial	financial	ADJ
ijtc-1599	81	23	-	-	PUNCT
ijtc-1599	81	24	related	relate	VERB
ijtc-1599	81	25	services	service	NOUN
ijtc-1599	81	26	that	that	PRON
ijtc-1599	81	27	promote	promote	VERB
ijtc-1599	81	28	a	a	DET
ijtc-1599	81	29	saving	save	VERB
ijtc-1599	81	30	culture	culture	NOUN
ijtc-1599	81	31	to	to	PART
ijtc-1599	81	32	catalyze	catalyze	VERB
ijtc-1599	81	33	economic	economic	ADJ
ijtc-1599	81	34	acceleration	acceleration	NOUN
ijtc-1599	81	35	.	.	PUNCT
ijtc-1599	82	1	cooperative	cooperative	ADJ
ijtc-1599	82	2	societies	society	NOUN
ijtc-1599	82	3	are	be	AUX
ijtc-1599	82	4	a	a	DET
ijtc-1599	82	5	development	development	NOUN
ijtc-1599	82	6	instrument	instrument	NOUN
ijtc-1599	82	7	that	that	PRON
ijtc-1599	82	8	opens	open	VERB
ijtc-1599	82	9	doors	door	NOUN
ijtc-1599	82	10	for	for	ADP
ijtc-1599	82	11	the	the	DET
ijtc-1599	82	12	economically	economically	ADV
ijtc-1599	82	13	engaged	engage	VERB
ijtc-1599	82	14	poor	poor	ADJ
ijtc-1599	82	15	(	(	PUNCT
ijtc-1599	82	16	cbn	cbn	PROPN
ijtc-1599	82	17	2021	2021	NUM
ijtc-1599	82	18	)	)	PUNCT
ijtc-1599	82	19	.	.	PUNCT
ijtc-1599	83	1	the	the	DET
ijtc-1599	83	2	poor	poor	ADJ
ijtc-1599	83	3	can	can	AUX
ijtc-1599	83	4	control	control	VERB
ijtc-1599	83	5	forces	force	NOUN
ijtc-1599	83	6	of	of	ADP
ijtc-1599	83	7	production	production	NOUN
ijtc-1599	83	8	,	,	PUNCT
ijtc-1599	83	9	become	become	VERB
ijtc-1599	83	10	more	more	ADV
ijtc-1599	83	11	self	self	NOUN
ijtc-1599	83	12	-	-	PUNCT
ijtc-1599	83	13	reliant	reliant	ADJ
ijtc-1599	83	14	,	,	PUNCT
ijtc-1599	83	15	create	create	VERB
ijtc-1599	83	16	jobs	job	NOUN
ijtc-1599	83	17	,	,	PUNCT
ijtc-1599	83	18	increase	increase	VERB
ijtc-1599	83	19	household	household	NOUN
ijtc-1599	83	20	income	income	NOUN
ijtc-1599	83	21	,	,	PUNCT
ijtc-1599	83	22	and	and	CCONJ
ijtc-1599	83	23	build	build	VERB
ijtc-1599	83	24	wealth	wealth	NOUN
ijtc-1599	83	25	by	by	ADP
ijtc-1599	83	26	using	use	VERB
ijtc-1599	83	27	financial	financial	ADJ
ijtc-1599	83	28	services	service	NOUN
ijtc-1599	83	29	,	,	PUNCT
ijtc-1599	83	30	which	which	PRON
ijtc-1599	83	31	significantly	significantly	ADV
ijtc-1599	83	32	positively	positively	ADV
ijtc-1599	83	33	impact	impact	VERB
ijtc-1599	83	34	reducing	reduce	VERB
ijtc-1599	83	35	poverty	poverty	NOUN
ijtc-1599	83	36	.	.	PUNCT
ijtc-1599	84	1	empirical	empirical	ADJ
ijtc-1599	84	2	review	review	PROPN
ijtc-1599	84	3	taizhou	taizhou	PROPN
ijtc-1599	84	4	et	et	PROPN
ijtc-1599	84	5	al	al	PROPN
ijtc-1599	84	6	.	.	PROPN
ijtc-1599	85	1	(	(	PUNCT
ijtc-1599	85	2	2019	2019	NUM
ijtc-1599	85	3	)	)	PUNCT
ijtc-1599	85	4	researched	research	VERB
ijtc-1599	85	5	the	the	DET
ijtc-1599	85	6	effects	effect	NOUN
ijtc-1599	85	7	of	of	ADP
ijtc-1599	85	8	microcredit	microcredit	NOUN
ijtc-1599	85	9	on	on	ADP
ijtc-1599	85	10	the	the	DET
ijtc-1599	85	11	growth	growth	NOUN
ijtc-1599	85	12	of	of	ADP
ijtc-1599	85	13	small	small	ADJ
ijtc-1599	85	14	and	and	CCONJ
ijtc-1599	85	15	mediumsized	mediumsized	ADJ
ijtc-1599	85	16	enterprises	enterprise	NOUN
ijtc-1599	85	17	(	(	PUNCT
ijtc-1599	85	18	smes	sme	NOUN
ijtc-1599	85	19	)	)	PUNCT
ijtc-1599	85	20	.	.	PUNCT
ijtc-1599	86	1	utilizing	utilize	VERB
ijtc-1599	86	2	survey	survey	NOUN
ijtc-1599	86	3	data	datum	NOUN
ijtc-1599	86	4	gathered	gather	VERB
ijtc-1599	86	5	from	from	ADP
ijtc-1599	86	6	smes	sme	NOUN
ijtc-1599	86	7	in	in	ADP
ijtc-1599	86	8	taizhou	taizhou	PROPN
ijtc-1599	86	9	,	,	PUNCT
ijtc-1599	86	10	zhejiang	zhejiang	PROPN
ijtc-1599	86	11	,	,	PUNCT
ijtc-1599	86	12	the	the	DET
ijtc-1599	86	13	study	study	NOUN
ijtc-1599	86	14	's	's	PART
ijtc-1599	86	15	findings	finding	NOUN
ijtc-1599	86	16	demonstrated	demonstrate	VERB
ijtc-1599	86	17	microfinance	microfinance	NOUN
ijtc-1599	86	18	's	's	PART
ijtc-1599	86	19	critical	critical	ADJ
ijtc-1599	86	20	impact	impact	NOUN
ijtc-1599	86	21	on	on	ADP
ijtc-1599	86	22	smes	sme	NOUN
ijtc-1599	86	23	'	'	PART
ijtc-1599	86	24	revenue	revenue	NOUN
ijtc-1599	86	25	and	and	CCONJ
ijtc-1599	86	26	profit	profit	NOUN
ijtc-1599	86	27	growth	growth	NOUN
ijtc-1599	86	28	.	.	PUNCT
ijtc-1599	87	1	the	the	DET
ijtc-1599	87	2	study	study	NOUN
ijtc-1599	87	3	showed	show	VERB
ijtc-1599	87	4	that	that	SCONJ
ijtc-1599	87	5	smes	sme	NOUN
ijtc-1599	87	6	are	be	AUX
ijtc-1599	87	7	more	more	ADV
ijtc-1599	87	8	likely	likely	ADJ
ijtc-1599	87	9	to	to	PART
ijtc-1599	87	10	seek	seek	VERB
ijtc-1599	87	11	microfinance	microfinance	NOUN
ijtc-1599	87	12	services	service	NOUN
ijtc-1599	87	13	if	if	SCONJ
ijtc-1599	87	14	they	they	PRON
ijtc-1599	87	15	have	have	VERB
ijtc-1599	87	16	lower	low	ADJ
ijtc-1599	87	17	productivity	productivity	NOUN
ijtc-1599	87	18	levels	level	NOUN
ijtc-1599	87	19	and	and	CCONJ
ijtc-1599	87	20	more	more	ADJ
ijtc-1599	87	21	financial	financial	ADJ
ijtc-1599	87	22	risk	risk	NOUN
ijtc-1599	87	23	.	.	PUNCT
ijtc-1599	88	1	similar	similar	ADJ
ijtc-1599	88	2	research	research	NOUN
ijtc-1599	88	3	was	be	AUX
ijtc-1599	88	4	conducted	conduct	VERB
ijtc-1599	88	5	in	in	ADP
ijtc-1599	88	6	somalia	somalia	PROPN
ijtc-1599	88	7	.	.	PUNCT
ijtc-1599	89	1	ahiabor	ahiabor	PROPN
ijtc-1599	89	2	(	(	PUNCT
ijtc-1599	89	3	2021	2021	NUM
ijtc-1599	89	4	)	)	PUNCT
ijtc-1599	89	5	considers	consider	VERB
ijtc-1599	89	6	how	how	SCONJ
ijtc-1599	89	7	microcredit	microcredit	NOUN
ijtc-1599	89	8	affected	affect	VERB
ijtc-1599	89	9	the	the	DET
ijtc-1599	89	10	growth	growth	NOUN
ijtc-1599	89	11	of	of	ADP
ijtc-1599	89	12	smes	sme	NOUN
ijtc-1599	89	13	in	in	ADP
ijtc-1599	89	14	accra	accra	NOUN
ijtc-1599	89	15	.	.	PUNCT
ijtc-1599	90	1	in	in	ADP
ijtc-1599	90	2	data	data	NOUN
ijtc-1599	90	3	presentations	presentation	NOUN
ijtc-1599	90	4	and	and	CCONJ
ijtc-1599	90	5	analysis	analysis	NOUN
ijtc-1599	90	6	,	,	PUNCT
ijtc-1599	90	7	descriptive	descriptive	ADJ
ijtc-1599	90	8	statistics	statistic	NOUN
ijtc-1599	90	9	which	which	PRON
ijtc-1599	90	10	use	use	VERB
ijtc-1599	90	11	straightforward	straightforward	ADJ
ijtc-1599	90	12	percentage	percentage	NOUN
ijtc-1599	90	13	graphical	graphical	ADJ
ijtc-1599	90	14	charts	chart	NOUN
ijtc-1599	90	15	and	and	CCONJ
ijtc-1599	90	16	illustrations	illustration	NOUN
ijtc-1599	90	17	were	be	AUX
ijtc-1599	90	18	strategically	strategically	ADV
ijtc-1599	90	19	used	use	VERB
ijtc-1599	90	20	.	.	PUNCT
ijtc-1599	91	1	the	the	DET
ijtc-1599	91	2	study	study	NOUN
ijtc-1599	91	3	's	's	PART
ijtc-1599	91	4	conclusions	conclusion	NOUN
ijtc-1599	91	5	showed	show	VERB
ijtc-1599	91	6	that	that	SCONJ
ijtc-1599	91	7	a	a	DET
ijtc-1599	91	8	sizable	sizable	ADJ
ijtc-1599	91	9	portion	portion	NOUN
ijtc-1599	91	10	of	of	ADP
ijtc-1599	91	11	smes	sme	NOUN
ijtc-1599	91	12	know	know	VERB
ijtc-1599	91	13	that	that	PRON
ijtc-1599	91	14	mfis	mfis	AUX
ijtc-1599	91	15	exist	exist	VERB
ijtc-1599	91	16	,	,	PUNCT
ijtc-1599	91	17	and	and	CCONJ
ijtc-1599	91	18	some	some	PRON
ijtc-1599	91	19	even	even	ADV
ijtc-1599	91	20	recognize	recognize	VERB
ijtc-1599	91	21	that	that	SCONJ
ijtc-1599	91	22	mfi	mfi	PROPN
ijtc-1599	91	23	loans	loan	NOUN
ijtc-1599	91	24	have	have	VERB
ijtc-1599	91	25	a	a	DET
ijtc-1599	91	26	good	good	ADJ
ijtc-1599	91	27	impact	impact	NOUN
ijtc-1599	91	28	on	on	ADP
ijtc-1599	91	29	fostering	foster	VERB
ijtc-1599	91	30	their	their	PRON
ijtc-1599	91	31	expansion	expansion	NOUN
ijtc-1599	91	32	.	.	PUNCT
ijtc-1599	92	1	in	in	ADP
ijtc-1599	92	2	yobe	yobe	PROPN
ijtc-1599	92	3	state	state	PROPN
ijtc-1599	92	4	,	,	PUNCT
ijtc-1599	92	5	nigeria	nigeria	PROPN
ijtc-1599	92	6	,	,	PUNCT
ijtc-1599	92	7	abbas	abbas	PROPN
ijtc-1599	92	8	(	(	PUNCT
ijtc-1599	92	9	2023	2023	NUM
ijtc-1599	92	10	)	)	PUNCT
ijtc-1599	92	11	evaluated	evaluate	VERB
ijtc-1599	92	12	cooperative	cooperative	ADJ
ijtc-1599	92	13	groups	group	NOUN
ijtc-1599	92	14	'	'	PART
ijtc-1599	92	15	contributions	contribution	NOUN
ijtc-1599	92	16	to	to	ADP
ijtc-1599	92	17	the	the	DET
ijtc-1599	92	18	fight	fight	NOUN
ijtc-1599	92	19	against	against	ADP
ijtc-1599	92	20	poverty	poverty	NOUN
ijtc-1599	92	21	.	.	PUNCT
ijtc-1599	93	1	the	the	DET
ijtc-1599	93	2	primary	primary	ADJ
ijtc-1599	93	3	data	datum	NOUN
ijtc-1599	93	4	source	source	NOUN
ijtc-1599	93	5	was	be	AUX
ijtc-1599	93	6	questionnaire	questionnaire	NOUN
ijtc-1599	93	7	responses	response	NOUN
ijtc-1599	93	8	and	and	CCONJ
ijtc-1599	93	9	key	key	ADJ
ijtc-1599	93	10	informant	informant	NOUN
ijtc-1599	93	11	interviews	interview	NOUN
ijtc-1599	93	12	using	use	VERB
ijtc-1599	93	13	the	the	DET
ijtc-1599	93	14	multi	multi	ADJ
ijtc-1599	93	15	-	-	ADJ
ijtc-1599	93	16	layer	layer	ADJ
ijtc-1599	93	17	random	random	ADJ
ijtc-1599	93	18	sampling	sampling	NOUN
ijtc-1599	93	19	technique	technique	NOUN
ijtc-1599	93	20	.	.	PUNCT
ijtc-1599	94	1	according	accord	VERB
ijtc-1599	94	2	to	to	ADP
ijtc-1599	94	3	the	the	DET
ijtc-1599	94	4	study	study	NOUN
ijtc-1599	94	5	,	,	PUNCT
ijtc-1599	94	6	cooperative	cooperative	ADJ
ijtc-1599	94	7	societies	society	NOUN
ijtc-1599	94	8	have	have	AUX
ijtc-1599	94	9	raised	raise	VERB
ijtc-1599	94	10	their	their	PRON
ijtc-1599	94	11	members	member	NOUN
ijtc-1599	94	12	'	'	PART
ijtc-1599	94	13	living	living	NOUN
ijtc-1599	94	14	standards	standard	NOUN
ijtc-1599	94	15	by	by	ADP
ijtc-1599	94	16	offering	offer	VERB
ijtc-1599	94	17	them	they	PRON
ijtc-1599	94	18	financial	financial	ADJ
ijtc-1599	94	19	aid	aid	NOUN
ijtc-1599	94	20	,	,	PUNCT
ijtc-1599	94	21	job	job	NOUN
ijtc-1599	94	22	opportunities	opportunity	NOUN
ijtc-1599	94	23	,	,	PUNCT
ijtc-1599	94	24	training	training	NOUN
ijtc-1599	94	25	,	,	PUNCT
ijtc-1599	94	26	and	and	CCONJ
ijtc-1599	94	27	skills	skill	NOUN
ijtc-1599	94	28	.	.	PUNCT
ijtc-1599	95	1	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1599	95	2	micro	micro	ADJ
ijtc-1599	95	3	credit	credit	NOUN
ijtc-1599	95	4	and	and	CCONJ
ijtc-1599	95	5	poverty	poverty	NOUN
ijtc-1599	95	6	alleviation	alleviation	NOUN
ijtc-1599	95	7	in	in	ADP
ijtc-1599	95	8	nigeria	nigeria	PROPN
ijtc-1599	95	9	:	:	PUNCT
ijtc-1599	95	10	evidence	evidence	NOUN
ijtc-1599	95	11	from	from	ADP
ijtc-1599	95	12	selected	select	VERB
ijtc-1599	95	13	agribusiness	agribusiness	NOUN
ijtc-1599	95	14	cooperative	cooperative	ADJ
ijtc-1599	95	15	societies	society	NOUN
ijtc-1599	95	16	in	in	ADP
ijtc-1599	95	17	oyo	oyo	NOUN
ijtc-1599	95	18	state	state	NOUN
ijtc-1599	95	19	ibrahim	ibrahim	PROPN
ijtc-1599	95	20	,	,	PUNCT
ijtc-1599	95	21	gbadebo	gbadebo	NOUN
ijtc-1599	95	22	and	and	CCONJ
ijtc-1599	95	23	dada	dada	PROPN
ijtc-1599	95	24	786	786	NUM
ijtc-1599	95	25	|	|	ADV
ijtc-1599	95	26	ilomata	ilomata	PROPN
ijtc-1599	95	27	international	international	ADJ
ijtc-1599	95	28	journal	journal	NOUN
ijtc-1599	95	29	of	of	ADP
ijtc-1599	95	30	tax	tax	PROPN
ijtc-1599	95	31	&	&	CCONJ
ijtc-1599	95	32	accounting	accounting	PROPN
ijtc-1599	95	33	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1599	95	34	okafor	okafor	PROPN
ijtc-1599	95	35	(	(	PUNCT
ijtc-1599	95	36	2023	2023	NUM
ijtc-1599	95	37	)	)	PUNCT
ijtc-1599	95	38	investigates	investigate	VERB
ijtc-1599	95	39	rural	rural	ADJ
ijtc-1599	95	40	empowerment	empowerment	NOUN
ijtc-1599	95	41	and	and	CCONJ
ijtc-1599	95	42	agricultural	agricultural	ADJ
ijtc-1599	95	43	cooperatives	cooperative	NOUN
ijtc-1599	95	44	in	in	ADP
ijtc-1599	95	45	awka	awka	ADJ
ijtc-1599	95	46	north	north	NOUN
ijtc-1599	95	47	l.g.a	l.g.a	NOUN
ijtc-1599	95	48	.	.	PUNCT
ijtc-1599	95	49	,	,	PUNCT
ijtc-1599	95	50	anambra	anambra	PROPN
ijtc-1599	95	51	state	state	PROPN
ijtc-1599	95	52	,	,	PUNCT
ijtc-1599	95	53	nigeria	nigeria	PROPN
ijtc-1599	95	54	.	.	PUNCT
ijtc-1599	96	1	information	information	NOUN
ijtc-1599	96	2	from	from	ADP
ijtc-1599	96	3	the	the	DET
ijtc-1599	96	4	local	local	ADJ
ijtc-1599	96	5	women	woman	NOUN
ijtc-1599	96	6	's	's	PART
ijtc-1599	96	7	agrarian	agrarian	ADJ
ijtc-1599	96	8	cooperatives	cooperative	NOUN
ijtc-1599	96	9	was	be	AUX
ijtc-1599	96	10	gathered	gather	VERB
ijtc-1599	96	11	using	use	VERB
ijtc-1599	96	12	254	254	NUM
ijtc-1599	96	13	structured	structured	ADJ
ijtc-1599	96	14	questionnaires	questionnaire	NOUN
ijtc-1599	96	15	to	to	PART
ijtc-1599	96	16	accomplish	accomplish	VERB
ijtc-1599	96	17	this	this	PRON
ijtc-1599	96	18	.	.	PUNCT
ijtc-1599	97	1	the	the	DET
ijtc-1599	97	2	study	study	NOUN
ijtc-1599	97	3	offers	offer	VERB
ijtc-1599	97	4	factual	factual	ADJ
ijtc-1599	97	5	data	datum	NOUN
ijtc-1599	97	6	on	on	ADP
ijtc-1599	97	7	the	the	DET
ijtc-1599	97	8	socioeconomic	socioeconomic	ADJ
ijtc-1599	97	9	traits	trait	NOUN
ijtc-1599	97	10	of	of	ADP
ijtc-1599	97	11	the	the	DET
ijtc-1599	97	12	women	woman	NOUN
ijtc-1599	97	13	and	and	CCONJ
ijtc-1599	97	14	establishes	establish	VERB
ijtc-1599	97	15	the	the	DET
ijtc-1599	97	16	association	association	NOUN
ijtc-1599	97	17	between	between	ADP
ijtc-1599	97	18	the	the	DET
ijtc-1599	97	19	length	length	NOUN
ijtc-1599	97	20	of	of	ADP
ijtc-1599	97	21	membership	membership	NOUN
ijtc-1599	97	22	and	and	CCONJ
ijtc-1599	97	23	the	the	DET
ijtc-1599	97	24	members	member	NOUN
ijtc-1599	97	25	'	'	PART
ijtc-1599	97	26	income	income	NOUN
ijtc-1599	97	27	.	.	PUNCT
ijtc-1599	98	1	it	it	PRON
ijtc-1599	98	2	also	also	ADV
ijtc-1599	98	3	examines	examine	VERB
ijtc-1599	98	4	the	the	DET
ijtc-1599	98	5	impact	impact	NOUN
ijtc-1599	98	6	of	of	ADP
ijtc-1599	98	7	farm	farm	NOUN
ijtc-1599	98	8	inputs	input	NOUN
ijtc-1599	98	9	,	,	PUNCT
ijtc-1599	98	10	credit	credit	NOUN
ijtc-1599	98	11	,	,	PUNCT
ijtc-1599	98	12	and	and	CCONJ
ijtc-1599	98	13	extension	extension	NOUN
ijtc-1599	98	14	visits	visit	NOUN
ijtc-1599	98	15	on	on	ADP
ijtc-1599	98	16	income	income	NOUN
ijtc-1599	98	17	,	,	PUNCT
ijtc-1599	98	18	which	which	PRON
ijtc-1599	98	19	serves	serve	VERB
ijtc-1599	98	20	as	as	ADP
ijtc-1599	98	21	a	a	DET
ijtc-1599	98	22	stand	stand	NOUN
ijtc-1599	98	23	-	-	PUNCT
ijtc-1599	98	24	in	in	NOUN
ijtc-1599	98	25	for	for	ADP
ijtc-1599	98	26	empowerment	empowerment	NOUN
ijtc-1599	98	27	.	.	PUNCT
ijtc-1599	99	1	the	the	DET
ijtc-1599	99	2	results	result	NOUN
ijtc-1599	99	3	showed	show	VERB
ijtc-1599	99	4	that	that	SCONJ
ijtc-1599	99	5	38	38	NUM
ijtc-1599	99	6	percent	percent	NOUN
ijtc-1599	99	7	of	of	ADP
ijtc-1599	99	8	the	the	DET
ijtc-1599	99	9	variances	variance	NOUN
ijtc-1599	99	10	in	in	ADP
ijtc-1599	99	11	the	the	DET
ijtc-1599	99	12	income	income	NOUN
ijtc-1599	99	13	profile	profile	NOUN
ijtc-1599	99	14	of	of	ADP
ijtc-1599	99	15	agricultural	agricultural	ADJ
ijtc-1599	99	16	cooperative	cooperative	ADJ
ijtc-1599	99	17	members	member	NOUN
ijtc-1599	99	18	are	be	AUX
ijtc-1599	99	19	explained	explain	VERB
ijtc-1599	99	20	by	by	ADP
ijtc-1599	99	21	the	the	DET
ijtc-1599	99	22	combined	combine	VERB
ijtc-1599	99	23	effect	effect	NOUN
ijtc-1599	99	24	of	of	ADP
ijtc-1599	99	25	the	the	DET
ijtc-1599	99	26	explanatory	explanatory	ADJ
ijtc-1599	99	27	variable	variable	NOUN
ijtc-1599	99	28	in	in	ADP
ijtc-1599	99	29	the	the	DET
ijtc-1599	99	30	model	model	NOUN
ijtc-1599	99	31	.	.	PUNCT
ijtc-1599	100	1	the	the	DET
ijtc-1599	100	2	current	current	ADJ
ijtc-1599	100	3	study	study	NOUN
ijtc-1599	100	4	is	be	AUX
ijtc-1599	100	5	conducted	conduct	VERB
ijtc-1599	100	6	to	to	PART
ijtc-1599	100	7	ascertain	ascertain	VERB
ijtc-1599	100	8	how	how	SCONJ
ijtc-1599	100	9	micro	micro	ADJ
ijtc-1599	100	10	-	-	NOUN
ijtc-1599	100	11	credit	credit	NOUN
ijtc-1599	100	12	helps	helps	AUX
ijtc-1599	100	13	alleviate	alleviate	VERB
ijtc-1599	100	14	poverty	poverty	NOUN
ijtc-1599	100	15	,	,	PUNCT
ijtc-1599	100	16	focusing	focus	VERB
ijtc-1599	100	17	on	on	ADP
ijtc-1599	100	18	selected	select	VERB
ijtc-1599	100	19	agribusiness	agribusiness	NOUN
ijtc-1599	100	20	cooperative	cooperative	ADJ
ijtc-1599	100	21	societies	society	NOUN
ijtc-1599	100	22	in	in	ADP
ijtc-1599	100	23	oyo	oyo	NOUN
ijtc-1599	100	24	state	state	NOUN
ijtc-1599	100	25	.	.	PUNCT
ijtc-1599	101	1	based	base	VERB
ijtc-1599	101	2	on	on	ADP
ijtc-1599	101	3	this	this	PRON
ijtc-1599	101	4	,	,	PUNCT
ijtc-1599	101	5	the	the	DET
ijtc-1599	101	6	paper	paper	NOUN
ijtc-1599	101	7	tests	test	VERB
ijtc-1599	101	8	the	the	DET
ijtc-1599	101	9	following	follow	VERB
ijtc-1599	101	10	hypotheses	hypothesis	NOUN
ijtc-1599	101	11	:	:	PUNCT
ijtc-1599	101	12	h1	h1	NOUN
ijtc-1599	101	13	:	:	PUNCT
ijtc-1599	101	14	micro	micro	NOUN
ijtc-1599	101	15	-	-	NOUN
ijtc-1599	101	16	credit	credit	NOUN
ijtc-1599	101	17	does	do	AUX
ijtc-1599	101	18	not	not	PART
ijtc-1599	101	19	affect	affect	VERB
ijtc-1599	101	20	poverty	poverty	NOUN
ijtc-1599	101	21	alleviation	alleviation	NOUN
ijtc-1599	101	22	among	among	ADP
ijtc-1599	101	23	the	the	DET
ijtc-1599	101	24	agribusiness	agribusiness	NOUN
ijtc-1599	101	25	cooperative	cooperative	ADJ
ijtc-1599	101	26	societies	society	NOUN
ijtc-1599	101	27	in	in	ADP
ijtc-1599	101	28	nigeria	nigeria	PROPN
ijtc-1599	101	29	.	.	PUNCT
ijtc-1599	102	1	h2	h2	PROPN
ijtc-1599	102	2	:	:	PUNCT
ijtc-1599	102	3	technical	technical	ADJ
ijtc-1599	102	4	support	support	NOUN
ijtc-1599	102	5	does	do	AUX
ijtc-1599	102	6	not	not	PART
ijtc-1599	102	7	influence	influence	VERB
ijtc-1599	102	8	poverty	poverty	NOUN
ijtc-1599	102	9	alleviation	alleviation	NOUN
ijtc-1599	102	10	among	among	ADP
ijtc-1599	102	11	the	the	DET
ijtc-1599	102	12	agribusiness	agribusiness	NOUN
ijtc-1599	102	13	cooperatives	cooperative	NOUN
ijtc-1599	102	14	in	in	ADP
ijtc-1599	102	15	nigeria	nigeria	PROPN
ijtc-1599	102	16	.	.	PUNCT
ijtc-1599	103	1	the	the	DET
ijtc-1599	103	2	study	study	NOUN
ijtc-1599	103	3	’s	’s	PART
ijtc-1599	103	4	remainder	remainder	NOUN
ijtc-1599	103	5	is	be	AUX
ijtc-1599	103	6	structured	structure	VERB
ijtc-1599	103	7	as	as	SCONJ
ijtc-1599	103	8	follows	follow	VERB
ijtc-1599	103	9	.	.	PUNCT
ijtc-1599	104	1	section	section	NOUN
ijtc-1599	104	2	2	2	NUM
ijtc-1599	104	3	presents	present	VERB
ijtc-1599	104	4	the	the	DET
ijtc-1599	104	5	methods	method	NOUN
ijtc-1599	104	6	,	,	PUNCT
ijtc-1599	104	7	section	section	NOUN
ijtc-1599	104	8	3	3	NUM
ijtc-1599	104	9	presents	present	VERB
ijtc-1599	104	10	the	the	DET
ijtc-1599	104	11	results	result	NOUN
ijtc-1599	104	12	and	and	CCONJ
ijtc-1599	104	13	implications	implication	NOUN
ijtc-1599	104	14	,	,	PUNCT
ijtc-1599	104	15	and	and	CCONJ
ijtc-1599	104	16	section	section	NOUN
ijtc-1599	104	17	4	4	NUM
ijtc-1599	104	18	concludes	conclude	VERB
ijtc-1599	104	19	”	"	PUNCT
ijtc-1599	104	20	.	.	PUNCT
ijtc-1599	105	1	method	method	NOUN
ijtc-1599	105	2	to	to	PART
ijtc-1599	105	3	guide	guide	VERB
ijtc-1599	105	4	the	the	DET
ijtc-1599	105	5	study	study	NOUN
ijtc-1599	105	6	,	,	PUNCT
ijtc-1599	105	7	the	the	DET
ijtc-1599	105	8	transaction	transaction	NOUN
ijtc-1599	105	9	cost	cost	NOUN
ijtc-1599	105	10	approach	approach	NOUN
ijtc-1599	105	11	theory	theory	NOUN
ijtc-1599	105	12	was	be	AUX
ijtc-1599	105	13	considered	consider	VERB
ijtc-1599	105	14	theoretical	theoretical	ADJ
ijtc-1599	105	15	“	"	PUNCT
ijtc-1599	105	16	under	under	ADP
ijtc-1599	105	17	pining	pining	NOUN
ijtc-1599	105	18	.	.	PUNCT
ijtc-1599	106	1	the	the	DET
ijtc-1599	106	2	theory	theory	NOUN
ijtc-1599	106	3	from	from	ADP
ijtc-1599	106	4	ronald	ronald	PROPN
ijtc-1599	106	5	coase	coase	PROPN
ijtc-1599	106	6	(	(	PUNCT
ijtc-1599	106	7	1937	1937	NUM
ijtc-1599	106	8	)	)	PUNCT
ijtc-1599	106	9	states	state	VERB
ijtc-1599	106	10	that	that	PRON
ijtc-1599	106	11	to	to	PART
ijtc-1599	106	12	carry	carry	VERB
ijtc-1599	106	13	out	out	ADP
ijtc-1599	106	14	a	a	DET
ijtc-1599	106	15	market	market	NOUN
ijtc-1599	106	16	transaction	transaction	NOUN
ijtc-1599	106	17	,	,	PUNCT
ijtc-1599	106	18	it	it	PRON
ijtc-1599	106	19	is	be	AUX
ijtc-1599	106	20	necessary	necessary	ADJ
ijtc-1599	106	21	to	to	PART
ijtc-1599	106	22	discover	discover	VERB
ijtc-1599	106	23	who	who	PRON
ijtc-1599	106	24	it	it	PRON
ijtc-1599	106	25	is	be	AUX
ijtc-1599	106	26	that	that	SCONJ
ijtc-1599	106	27	one	one	NOUN
ijtc-1599	106	28	wishes	wish	VERB
ijtc-1599	106	29	to	to	PART
ijtc-1599	106	30	deal	deal	VERB
ijtc-1599	106	31	with	with	ADP
ijtc-1599	106	32	,	,	PUNCT
ijtc-1599	106	33	to	to	PART
ijtc-1599	106	34	conduct	conduct	VERB
ijtc-1599	106	35	negotiations	negotiation	NOUN
ijtc-1599	106	36	leading	lead	VERB
ijtc-1599	106	37	up	up	ADP
ijtc-1599	106	38	to	to	ADP
ijtc-1599	106	39	a	a	DET
ijtc-1599	106	40	bargain	bargain	NOUN
ijtc-1599	106	41	,	,	PUNCT
ijtc-1599	106	42	to	to	PART
ijtc-1599	106	43	draw	draw	VERB
ijtc-1599	106	44	up	up	ADP
ijtc-1599	106	45	the	the	DET
ijtc-1599	106	46	contract	contract	NOUN
ijtc-1599	106	47	,	,	PUNCT
ijtc-1599	106	48	to	to	PART
ijtc-1599	106	49	undertake	undertake	VERB
ijtc-1599	106	50	the	the	DET
ijtc-1599	106	51	inspection	inspection	NOUN
ijtc-1599	106	52	needed	need	VERB
ijtc-1599	106	53	to	to	PART
ijtc-1599	106	54	make	make	VERB
ijtc-1599	106	55	sure	sure	ADJ
ijtc-1599	106	56	that	that	SCONJ
ijtc-1599	106	57	the	the	DET
ijtc-1599	106	58	terms	term	NOUN
ijtc-1599	106	59	of	of	ADP
ijtc-1599	106	60	the	the	DET
ijtc-1599	106	61	agreement	agreement	NOUN
ijtc-1599	106	62	are	be	AUX
ijtc-1599	106	63	being	be	AUX
ijtc-1599	106	64	observed	observe	VERB
ijtc-1599	106	65	,	,	PUNCT
ijtc-1599	106	66	and	and	CCONJ
ijtc-1599	106	67	so	so	ADV
ijtc-1599	106	68	on	on	ADV
ijtc-1599	106	69	.	.	PUNCT
ijtc-1599	107	1	to	to	PART
ijtc-1599	107	2	be	be	AUX
ijtc-1599	107	3	more	more	ADV
ijtc-1599	107	4	concise	concise	ADJ
ijtc-1599	107	5	,	,	PUNCT
ijtc-1599	107	6	transaction	transaction	NOUN
ijtc-1599	107	7	costs	cost	NOUN
ijtc-1599	107	8	include	include	VERB
ijtc-1599	107	9	costs	cost	NOUN
ijtc-1599	107	10	associated	associate	VERB
ijtc-1599	107	11	with	with	ADP
ijtc-1599	107	12	information	information	NOUN
ijtc-1599	107	13	and	and	CCONJ
ijtc-1599	107	14	search	search	NOUN
ijtc-1599	107	15	,	,	PUNCT
ijtc-1599	107	16	negotiation	negotiation	NOUN
ijtc-1599	107	17	and	and	CCONJ
ijtc-1599	107	18	decision	decision	NOUN
ijtc-1599	107	19	-	-	PUNCT
ijtc-1599	107	20	making	making	NOUN
ijtc-1599	107	21	,	,	PUNCT
ijtc-1599	107	22	and	and	CCONJ
ijtc-1599	107	23	law	law	NOUN
ijtc-1599	107	24	enforcement	enforcement	NOUN
ijtc-1599	107	25	and	and	CCONJ
ijtc-1599	107	26	police	police	NOUN
ijtc-1599	107	27	.	.	PUNCT
ijtc-1599	108	1	one	one	NUM
ijtc-1599	108	2	way	way	NOUN
ijtc-1599	108	3	to	to	PART
ijtc-1599	108	4	think	think	VERB
ijtc-1599	108	5	of	of	ADP
ijtc-1599	108	6	the	the	DET
ijtc-1599	108	7	transaction	transaction	NOUN
ijtc-1599	108	8	cost	cost	NOUN
ijtc-1599	108	9	is	be	AUX
ijtc-1599	108	10	as	as	ADP
ijtc-1599	108	11	a	a	DET
ijtc-1599	108	12	non	non	ADJ
ijtc-1599	108	13	-	-	ADJ
ijtc-1599	108	14	financial	financial	ADJ
ijtc-1599	108	15	expense	expense	NOUN
ijtc-1599	108	16	that	that	PRON
ijtc-1599	108	17	the	the	DET
ijtc-1599	108	18	borrower	borrower	NOUN
ijtc-1599	108	19	and	and	CCONJ
ijtc-1599	108	20	the	the	DET
ijtc-1599	108	21	lender	lender	NOUN
ijtc-1599	108	22	bear	bear	VERB
ijtc-1599	108	23	before	before	ADV
ijtc-1599	108	24	,	,	PUNCT
ijtc-1599	108	25	during	during	ADP
ijtc-1599	108	26	,	,	PUNCT
ijtc-1599	108	27	and	and	CCONJ
ijtc-1599	108	28	after	after	SCONJ
ijtc-1599	108	29	the	the	DET
ijtc-1599	108	30	loan	loan	NOUN
ijtc-1599	108	31	is	be	AUX
ijtc-1599	108	32	disbursed	disburse	VERB
ijtc-1599	108	33	.	.	PUNCT
ijtc-1599	109	1	the	the	DET
ijtc-1599	109	2	lender	lender	NOUN
ijtc-1599	109	3	(	(	PUNCT
ijtc-1599	109	4	micro	micro	NOUN
ijtc-1599	109	5	-	-	NOUN
ijtc-1599	109	6	credit	credit	NOUN
ijtc-1599	109	7	provider	provider	NOUN
ijtc-1599	109	8	)	)	PUNCT
ijtc-1599	109	9	bears	bear	VERB
ijtc-1599	109	10	the	the	DET
ijtc-1599	109	11	following	follow	VERB
ijtc-1599	109	12	costs	cost	NOUN
ijtc-1599	109	13	:	:	PUNCT
ijtc-1599	109	14	finding	find	VERB
ijtc-1599	109	15	money	money	NOUN
ijtc-1599	109	16	to	to	PART
ijtc-1599	109	17	lend	lend	VERB
ijtc-1599	109	18	,	,	PUNCT
ijtc-1599	109	19	creating	create	VERB
ijtc-1599	109	20	credit	credit	NOUN
ijtc-1599	109	21	contracts	contract	NOUN
ijtc-1599	109	22	,	,	PUNCT
ijtc-1599	109	23	screening	screen	VERB
ijtc-1599	109	24	borrowers	borrower	NOUN
ijtc-1599	109	25	,	,	PUNCT
ijtc-1599	109	26	determining	determine	VERB
ijtc-1599	109	27	the	the	DET
ijtc-1599	109	28	viability	viability	NOUN
ijtc-1599	109	29	of	of	ADP
ijtc-1599	109	30	projects	project	NOUN
ijtc-1599	109	31	,	,	PUNCT
ijtc-1599	109	32	examining	examine	VERB
ijtc-1599	109	33	loan	loan	NOUN
ijtc-1599	109	34	applications	application	NOUN
ijtc-1599	109	35	,	,	PUNCT
ijtc-1599	109	36	giving	give	VERB
ijtc-1599	109	37	staff	staff	NOUN
ijtc-1599	109	38	and	and	CCONJ
ijtc-1599	109	39	borrowers	borrower	NOUN
ijtc-1599	109	40	credit	credit	NOUN
ijtc-1599	109	41	education	education	NOUN
ijtc-1599	109	42	,	,	PUNCT
ijtc-1599	109	43	and	and	CCONJ
ijtc-1599	109	44	overseeing	oversee	VERB
ijtc-1599	109	45	and	and	CCONJ
ijtc-1599	109	46	implementing	implement	VERB
ijtc-1599	109	47	loan	loan	NOUN
ijtc-1599	109	48	agreements	agreement	NOUN
ijtc-1599	109	49	.	.	PUNCT
ijtc-1599	110	1	the	the	DET
ijtc-1599	110	2	costs	cost	NOUN
ijtc-1599	110	3	that	that	PRON
ijtc-1599	110	4	the	the	DET
ijtc-1599	110	5	borrowers	borrower	NOUN
ijtc-1599	110	6	may	may	AUX
ijtc-1599	110	7	have	have	VERB
ijtc-1599	110	8	to	to	PART
ijtc-1599	110	9	pay	pay	VERB
ijtc-1599	110	10	include	include	VERB
ijtc-1599	110	11	vetting	vet	VERB
ijtc-1599	110	12	potential	potential	ADJ
ijtc-1599	110	13	group	group	NOUN
ijtc-1599	110	14	members	member	NOUN
ijtc-1599	110	15	(	(	PUNCT
ijtc-1599	110	16	group	group	NOUN
ijtc-1599	110	17	borrowing	borrowing	NOUN
ijtc-1599	110	18	)	)	PUNCT
ijtc-1599	110	19	,	,	PUNCT
ijtc-1599	110	20	organizing	organize	VERB
ijtc-1599	110	21	a	a	DET
ijtc-1599	110	22	group	group	NOUN
ijtc-1599	110	23	,	,	PUNCT
ijtc-1599	110	24	negotiating	negotiate	VERB
ijtc-1599	110	25	with	with	ADP
ijtc-1599	110	26	the	the	DET
ijtc-1599	110	27	lender	lender	NOUN
ijtc-1599	110	28	,	,	PUNCT
ijtc-1599	110	29	filling	fill	VERB
ijtc-1599	110	30	out	out	ADP
ijtc-1599	110	31	paperwork	paperwork	NOUN
ijtc-1599	110	32	,	,	PUNCT
ijtc-1599	110	33	travel	travel	NOUN
ijtc-1599	110	34	expenses	expense	NOUN
ijtc-1599	110	35	to	to	ADP
ijtc-1599	110	36	and	and	CCONJ
ijtc-1599	110	37	from	from	ADP
ijtc-1599	110	38	the	the	DET
ijtc-1599	110	39	financial	financial	ADJ
ijtc-1599	110	40	institution	institution	NOUN
ijtc-1599	110	41	,	,	PUNCT
ijtc-1599	110	42	project	project	NOUN
ijtc-1599	110	43	appraisal	appraisal	NOUN
ijtc-1599	110	44	fees	fee	NOUN
ijtc-1599	110	45	,	,	PUNCT
ijtc-1599	110	46	and	and	CCONJ
ijtc-1599	110	47	meeting	meet	VERB
ijtc-1599	110	48	attendance	attendance	NOUN
ijtc-1599	110	49	.	.	PUNCT
ijtc-1599	111	1	the	the	DET
ijtc-1599	111	2	theory	theory	NOUN
ijtc-1599	111	3	best	well	ADV
ijtc-1599	111	4	guides	guide	VERB
ijtc-1599	111	5	our	our	PRON
ijtc-1599	111	6	study	study	NOUN
ijtc-1599	111	7	because	because	SCONJ
ijtc-1599	111	8	it	it	PRON
ijtc-1599	111	9	allows	allow	VERB
ijtc-1599	111	10	both	both	DET
ijtc-1599	111	11	microcredit	microcredit	NOUN
ijtc-1599	111	12	providers	provider	NOUN
ijtc-1599	111	13	and	and	CCONJ
ijtc-1599	111	14	borrowers	borrower	NOUN
ijtc-1599	111	15	to	to	PART
ijtc-1599	111	16	ascertain	ascertain	VERB
ijtc-1599	111	17	the	the	DET
ijtc-1599	111	18	costs	cost	NOUN
ijtc-1599	111	19	of	of	ADP
ijtc-1599	111	20	granting	grant	VERB
ijtc-1599	111	21	and	and	CCONJ
ijtc-1599	111	22	obtaining	obtain	VERB
ijtc-1599	111	23	wealth	wealth	NOUN
ijtc-1599	111	24	-	-	PUNCT
ijtc-1599	111	25	building	building	NOUN
ijtc-1599	111	26	loans	loan	NOUN
ijtc-1599	111	27	.	.	PUNCT
ijtc-1599	112	1	the	the	DET
ijtc-1599	112	2	data	datum	NOUN
ijtc-1599	112	3	are	be	AUX
ijtc-1599	112	4	obtained	obtain	VERB
ijtc-1599	112	5	from	from	ADP
ijtc-1599	112	6	responses	response	NOUN
ijtc-1599	112	7	to	to	ADP
ijtc-1599	112	8	structured	structured	ADJ
ijtc-1599	112	9	surveys	survey	NOUN
ijtc-1599	112	10	.	.	PUNCT
ijtc-1599	113	1	the	the	DET
ijtc-1599	113	2	designed	design	VERB
ijtc-1599	113	3	questionnaire	questionnaire	NOUN
ijtc-1599	113	4	has	have	VERB
ijtc-1599	113	5	two	two	NUM
ijtc-1599	113	6	sections	section	NOUN
ijtc-1599	113	7	:	:	PUNCT
ijtc-1599	113	8	section	section	NOUN
ijtc-1599	113	9	a	a	DET
ijtc-1599	113	10	relates	relate	NOUN
ijtc-1599	113	11	to	to	ADP
ijtc-1599	113	12	questions	question	NOUN
ijtc-1599	113	13	on	on	ADP
ijtc-1599	113	14	the	the	DET
ijtc-1599	113	15	demographics	demographic	NOUN
ijtc-1599	113	16	of	of	ADP
ijtc-1599	113	17	respondents	respondent	NOUN
ijtc-1599	113	18	,	,	PUNCT
ijtc-1599	113	19	including	include	VERB
ijtc-1599	113	20	gender	gender	NOUN
ijtc-1599	113	21	,	,	PUNCT
ijtc-1599	113	22	marital	marital	ADJ
ijtc-1599	113	23	status	status	NOUN
ijtc-1599	113	24	,	,	PUNCT
ijtc-1599	113	25	age	age	NOUN
ijtc-1599	113	26	,	,	PUNCT
ijtc-1599	113	27	and	and	CCONJ
ijtc-1599	113	28	qualification	qualification	NOUN
ijtc-1599	113	29	.	.	PUNCT
ijtc-1599	114	1	section	section	NOUN
ijtc-1599	114	2	b	b	PROPN
ijtc-1599	114	3	is	be	AUX
ijtc-1599	114	4	separated	separate	VERB
ijtc-1599	114	5	into	into	ADP
ijtc-1599	114	6	three	three	NUM
ijtc-1599	114	7	parts	part	NOUN
ijtc-1599	114	8	for	for	ADP
ijtc-1599	114	9	the	the	DET
ijtc-1599	114	10	study	study	NOUN
ijtc-1599	114	11	objectives	objective	NOUN
ijtc-1599	114	12	.	.	PUNCT
ijtc-1599	115	1	a	a	DET
ijtc-1599	115	2	3	3	NUM
ijtc-1599	115	3	-	-	PUNCT
ijtc-1599	115	4	point	point	NOUN
ijtc-1599	115	5	likert	likert	ADJ
ijtc-1599	115	6	scale	scale	NOUN
ijtc-1599	115	7	where	where	SCONJ
ijtc-1599	115	8	respondents	respondent	NOUN
ijtc-1599	115	9	will	will	AUX
ijtc-1599	115	10	be	be	AUX
ijtc-1599	115	11	asked	ask	VERB
ijtc-1599	115	12	to	to	PART
ijtc-1599	115	13	indicate	indicate	VERB
ijtc-1599	115	14	the	the	DET
ijtc-1599	115	15	extent	extent	NOUN
ijtc-1599	115	16	to	to	PART
ijtc-1599	115	17	which	which	PRON
ijtc-1599	115	18	they	they	PRON
ijtc-1599	115	19	agree	agree	VERB
ijtc-1599	115	20	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1599	115	21	micro	micro	ADJ
ijtc-1599	115	22	credit	credit	NOUN
ijtc-1599	115	23	and	and	CCONJ
ijtc-1599	115	24	poverty	poverty	NOUN
ijtc-1599	115	25	alleviation	alleviation	NOUN
ijtc-1599	115	26	in	in	ADP
ijtc-1599	115	27	nigeria	nigeria	PROPN
ijtc-1599	115	28	:	:	PUNCT
ijtc-1599	115	29	evidence	evidence	NOUN
ijtc-1599	115	30	from	from	ADP
ijtc-1599	115	31	selected	select	VERB
ijtc-1599	115	32	agribusiness	agribusiness	NOUN
ijtc-1599	115	33	cooperative	cooperative	ADJ
ijtc-1599	115	34	societies	society	NOUN
ijtc-1599	115	35	in	in	ADP
ijtc-1599	115	36	oyo	oyo	NOUN
ijtc-1599	115	37	state	state	NOUN
ijtc-1599	115	38	ibrahim	ibrahim	PROPN
ijtc-1599	115	39	,	,	PUNCT
ijtc-1599	115	40	gbadebo	gbadebo	NOUN
ijtc-1599	115	41	and	and	CCONJ
ijtc-1599	115	42	dada	dada	PROPN
ijtc-1599	115	43	787	787	NUM
ijtc-1599	115	44	|	|	ADV
ijtc-1599	115	45	ilomata	ilomata	PROPN
ijtc-1599	115	46	international	international	ADJ
ijtc-1599	115	47	journal	journal	NOUN
ijtc-1599	115	48	of	of	ADP
ijtc-1599	115	49	tax	tax	PROPN
ijtc-1599	115	50	&	&	CCONJ
ijtc-1599	115	51	accounting	accounting	PROPN
ijtc-1599	115	52	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1599	115	53	or	or	CCONJ
ijtc-1599	115	54	disagree	disagree	VERB
ijtc-1599	115	55	with	with	ADP
ijtc-1599	115	56	various	various	ADJ
ijtc-1599	115	57	statements	statement	NOUN
ijtc-1599	115	58	was	be	AUX
ijtc-1599	115	59	used	use	VERB
ijtc-1599	115	60	.	.	PUNCT
ijtc-1599	116	1	the	the	DET
ijtc-1599	116	2	3	3	NUM
ijtc-1599	116	3	-	-	PUNCT
ijtc-1599	116	4	point	point	NOUN
ijtc-1599	116	5	likert	likert	ADJ
ijtc-1599	116	6	scale	scale	NOUN
ijtc-1599	116	7	has	have	VERB
ijtc-1599	116	8	ratings	rating	NOUN
ijtc-1599	116	9	of	of	ADP
ijtc-1599	116	10	agreed	agree	VERB
ijtc-1599	116	11	(	(	PUNCT
ijtc-1599	116	12	3	3	NUM
ijtc-1599	116	13	)	)	PUNCT
ijtc-1599	116	14	,	,	PUNCT
ijtc-1599	116	15	disagree	disagree	VERB
ijtc-1599	116	16	(	(	PUNCT
ijtc-1599	116	17	2	2	NUM
ijtc-1599	116	18	)	)	PUNCT
ijtc-1599	116	19	,	,	PUNCT
ijtc-1599	116	20	and	and	CCONJ
ijtc-1599	116	21	undecided	undecided	ADJ
ijtc-1599	116	22	(	(	PUNCT
ijtc-1599	116	23	1	1	NUM
ijtc-1599	116	24	)	)	PUNCT
ijtc-1599	116	25	,	,	PUNCT
ijtc-1599	116	26	respectively	respectively	ADV
ijtc-1599	116	27	.	.	PUNCT
ijtc-1599	117	1	the	the	DET
ijtc-1599	117	2	target	target	NOUN
ijtc-1599	117	3	respondents	respondent	NOUN
ijtc-1599	117	4	are	be	AUX
ijtc-1599	117	5	the	the	DET
ijtc-1599	117	6	members	member	NOUN
ijtc-1599	117	7	of	of	ADP
ijtc-1599	117	8	cooperative	cooperative	ADJ
ijtc-1599	117	9	societies	society	NOUN
ijtc-1599	117	10	located	locate	VERB
ijtc-1599	117	11	in	in	ADP
ijtc-1599	117	12	the	the	DET
ijtc-1599	117	13	ido	ido	PROPN
ijtc-1599	117	14	local	local	ADJ
ijtc-1599	117	15	government	government	NOUN
ijtc-1599	117	16	area	area	NOUN
ijtc-1599	117	17	,	,	PUNCT
ijtc-1599	117	18	ibadan	ibadan	PROPN
ijtc-1599	117	19	,	,	PUNCT
ijtc-1599	117	20	nigeria	nigeria	PROPN
ijtc-1599	117	21	.	.	PUNCT
ijtc-1599	118	1	they	they	PRON
ijtc-1599	118	2	were	be	AUX
ijtc-1599	118	3	purposefully	purposefully	ADV
ijtc-1599	118	4	chosen	choose	VERB
ijtc-1599	118	5	to	to	PART
ijtc-1599	118	6	ensure	ensure	VERB
ijtc-1599	118	7	that	that	SCONJ
ijtc-1599	118	8	the	the	DET
ijtc-1599	118	9	60	60	NUM
ijtc-1599	118	10	respondents	respondent	NOUN
ijtc-1599	118	11	represented	represent	VERB
ijtc-1599	118	12	the	the	DET
ijtc-1599	118	13	population	population	NOUN
ijtc-1599	118	14	being	be	AUX
ijtc-1599	118	15	studied	study	VERB
ijtc-1599	118	16	.	.	PUNCT
ijtc-1599	119	1	participants	participant	NOUN
ijtc-1599	119	2	in	in	ADP
ijtc-1599	119	3	the	the	DET
ijtc-1599	119	4	study	study	NOUN
ijtc-1599	119	5	were	be	AUX
ijtc-1599	119	6	selected	select	VERB
ijtc-1599	119	7	using	use	VERB
ijtc-1599	119	8	a	a	DET
ijtc-1599	119	9	stratified	stratified	ADJ
ijtc-1599	119	10	sampling	sampling	NOUN
ijtc-1599	119	11	technique	technique	NOUN
ijtc-1599	119	12	;	;	PUNCT
ijtc-1599	119	13	respondents	respondent	NOUN
ijtc-1599	119	14	were	be	AUX
ijtc-1599	119	15	split	split	VERB
ijtc-1599	119	16	into	into	ADP
ijtc-1599	119	17	three	three	NUM
ijtc-1599	119	18	groups	group	NOUN
ijtc-1599	119	19	based	base	VERB
ijtc-1599	119	20	on	on	ADP
ijtc-1599	119	21	product	product	NOUN
ijtc-1599	119	22	and	and	CCONJ
ijtc-1599	119	23	commodity	commodity	NOUN
ijtc-1599	119	24	specification	specification	NOUN
ijtc-1599	119	25	in	in	ADP
ijtc-1599	119	26	agribusiness	agribusiness	NOUN
ijtc-1599	119	27	.	.	PUNCT
ijtc-1599	120	1	each	each	DET
ijtc-1599	120	2	group	group	NOUN
ijtc-1599	120	3	received	receive	VERB
ijtc-1599	120	4	twenty	twenty	NUM
ijtc-1599	120	5	questionnaires	questionnaire	NOUN
ijtc-1599	120	6	,	,	PUNCT
ijtc-1599	120	7	for	for	ADP
ijtc-1599	120	8	a	a	DET
ijtc-1599	120	9	total	total	NOUN
ijtc-1599	120	10	of	of	ADP
ijtc-1599	120	11	sixty	sixty	NUM
ijtc-1599	120	12	.	.	PUNCT
ijtc-1599	121	1	members	member	NOUN
ijtc-1599	121	2	of	of	ADP
ijtc-1599	121	3	the	the	DET
ijtc-1599	121	4	groups	group	NOUN
ijtc-1599	121	5	are	be	AUX
ijtc-1599	121	6	chosen	choose	VERB
ijtc-1599	121	7	from	from	ADP
ijtc-1599	121	8	those	those	PRON
ijtc-1599	121	9	who	who	PRON
ijtc-1599	121	10	work	work	VERB
ijtc-1599	121	11	in	in	ADP
ijtc-1599	121	12	the	the	DET
ijtc-1599	121	13	poultry	poultry	NOUN
ijtc-1599	121	14	business	business	NOUN
ijtc-1599	121	15	,	,	PUNCT
ijtc-1599	121	16	fishery	fishery	NOUN
ijtc-1599	121	17	product	product	NOUN
ijtc-1599	121	18	business	business	NOUN
ijtc-1599	121	19	,	,	PUNCT
ijtc-1599	121	20	and	and	CCONJ
ijtc-1599	121	21	rabbit	rabbit	NOUN
ijtc-1599	121	22	.	.	PUNCT
ijtc-1599	122	1	of	of	ADP
ijtc-1599	122	2	the	the	DET
ijtc-1599	122	3	sixty	sixty	PROPN
ijtc-1599	122	4	(	(	PUNCT
ijtc-1599	122	5	60	60	NUM
ijtc-1599	122	6	)	)	PUNCT
ijtc-1599	122	7	questionnaires	questionnaire	NOUN
ijtc-1599	122	8	administered	administer	VERB
ijtc-1599	122	9	,	,	PUNCT
ijtc-1599	122	10	only	only	ADV
ijtc-1599	122	11	38	38	NUM
ijtc-1599	122	12	were	be	AUX
ijtc-1599	122	13	returned	return	VERB
ijtc-1599	122	14	”	"	PUNCT
ijtc-1599	122	15	.	.	PUNCT
ijtc-1599	123	1	these	these	DET
ijtc-1599	123	2	analyses	analysis	NOUN
ijtc-1599	123	3	are	be	AUX
ijtc-1599	123	4	based	base	VERB
ijtc-1599	123	5	on	on	ADP
ijtc-1599	123	6	the	the	DET
ijtc-1599	123	7	responses	response	NOUN
ijtc-1599	123	8	from	from	ADP
ijtc-1599	123	9	returned	return	VERB
ijtc-1599	123	10	questionnaires	questionnaire	NOUN
ijtc-1599	123	11	.	.	PUNCT
ijtc-1599	124	1	the	the	DET
ijtc-1599	124	2	study	study	NOUN
ijtc-1599	124	3	adopts	adopt	VERB
ijtc-1599	124	4	a	a	DET
ijtc-1599	124	5	model	model	NOUN
ijtc-1599	124	6	from	from	ADP
ijtc-1599	124	7	adekunle	adekunle	NOUN
ijtc-1599	124	8	(	(	PUNCT
ijtc-1599	124	9	2023	2023	NUM
ijtc-1599	124	10	)	)	PUNCT
ijtc-1599	124	11	to	to	PART
ijtc-1599	124	12	investigate	investigate	VERB
ijtc-1599	124	13	whether	whether	SCONJ
ijtc-1599	124	14	microcredit	microcredit	NOUN
ijtc-1599	124	15	facilitates	facilitate	VERB
ijtc-1599	124	16	the	the	DET
ijtc-1599	124	17	decline	decline	NOUN
ijtc-1599	124	18	in	in	ADP
ijtc-1599	124	19	poverty	poverty	NOUN
ijtc-1599	124	20	.	.	PUNCT
ijtc-1599	125	1	equation	equation	NOUN
ijtc-1599	125	2	1	1	NUM
ijtc-1599	125	3	(	(	PUNCT
ijtc-1599	125	4	functional	functional	ADJ
ijtc-1599	125	5	form	form	NOUN
ijtc-1599	125	6	)	)	PUNCT
ijtc-1599	125	7	and	and	CCONJ
ijtc-1599	125	8	equation	equation	NOUN
ijtc-1599	125	9	2	2	NUM
ijtc-1599	125	10	(	(	PUNCT
ijtc-1599	125	11	linear	linear	NOUN
ijtc-1599	125	12	form	form	NOUN
ijtc-1599	125	13	)	)	PUNCT
ijtc-1599	125	14	provide	provide	VERB
ijtc-1599	125	15	models	model	NOUN
ijtc-1599	125	16	that	that	PRON
ijtc-1599	125	17	connect	connect	VERB
ijtc-1599	125	18	microcredit	microcredit	NOUN
ijtc-1599	125	19	with	with	ADP
ijtc-1599	125	20	poverty	poverty	NOUN
ijtc-1599	125	21	indicators	indicator	NOUN
ijtc-1599	125	22	.	.	PUNCT
ijtc-1599	126	1	pa=	pa=	PROPN
ijtc-1599	126	2	ƒ	ƒ	X
ijtc-1599	126	3	(	(	PUNCT
ijtc-1599	126	4	tamc	tamc	NOUN
ijtc-1599	126	5	,	,	PUNCT
ijtc-1599	126	6	mclr	mclr	NOUN
ijtc-1599	126	7	,	,	PUNCT
ijtc-1599	126	8	ts	ts	NOUN
ijtc-1599	126	9	)	)	PUNCT
ijtc-1599	126	10	(	(	PUNCT
ijtc-1599	126	11	1	1	X
ijtc-1599	126	12	)	)	PUNCT
ijtc-1599	126	13	pa	pa	PROPN
ijtc-1599	126	14	=	=	PROPN
ijtc-1599	126	15	β0	β0	PROPN
ijtc-1599	127	1	+	+	CCONJ
ijtc-1599	127	2	β1tamc	β1tamc	PROPN
ijtc-1599	128	1	+	+	CCONJ
ijtc-1599	128	2	β2	β2	NOUN
ijtc-1599	128	3	mclr	mclr	NOUN
ijtc-1599	128	4	+	+	CCONJ
ijtc-1599	128	5	β3ts	β3ts	PUNCT
ijtc-1599	128	6	+	+	CCONJ
ijtc-1599	128	7	µ	µ	X
ijtc-1599	128	8	(	(	PUNCT
ijtc-1599	128	9	2	2	NUM
ijtc-1599	128	10	)	)	PUNCT
ijtc-1599	128	11	where	where	SCONJ
ijtc-1599	128	12	pa	pa	PROPN
ijtc-1599	128	13	=	=	PROPN
ijtc-1599	128	14	poverty	poverty	NOUN
ijtc-1599	128	15	alleviation	alleviation	NOUN
ijtc-1599	128	16	measure	measure	NOUN
ijtc-1599	128	17	,	,	PUNCT
ijtc-1599	128	18	tamc	tamc	NOUN
ijtc-1599	128	19	=	=	SYM
ijtc-1599	128	20	timely	timely	ADJ
ijtc-1599	128	21	access	access	NOUN
ijtc-1599	128	22	to	to	ADP
ijtc-1599	128	23	micro	micro	NOUN
ijtc-1599	128	24	-	-	NOUN
ijtc-1599	128	25	credit	credit	NOUN
ijtc-1599	128	26	,	,	PUNCT
ijtc-1599	128	27	mclr=	mclr=	PROPN
ijtc-1599	128	28	microcredit	microcredit	NOUN
ijtc-1599	128	29	lending	lending	NOUN
ijtc-1599	128	30	rate	rate	NOUN
ijtc-1599	128	31	,	,	PUNCT
ijtc-1599	128	32	ts	ts	X
ijtc-1599	128	33	=	=	PUNCT
ijtc-1599	128	34	technical	technical	ADJ
ijtc-1599	128	35	support	support	NOUN
ijtc-1599	128	36	,	,	PUNCT
ijtc-1599	128	37	β0	β0	NOUN
ijtc-1599	128	38	=	=	SYM
ijtc-1599	128	39	intercept	intercept	NOUN
ijtc-1599	128	40	of	of	ADP
ijtc-1599	128	41	the	the	DET
ijtc-1599	128	42	model	model	NOUN
ijtc-1599	128	43	,	,	PUNCT
ijtc-1599	128	44	β1	β1	PROPN
ijtc-1599	128	45	,	,	PUNCT
ijtc-1599	128	46	β2	β2	NOUN
ijtc-1599	128	47	,	,	PUNCT
ijtc-1599	128	48	and	and	CCONJ
ijtc-1599	128	49	β3	β3	VERB
ijtc-1599	128	50	=	=	SYM
ijtc-1599	128	51	coefficient	coefficient	NOUN
ijtc-1599	128	52	of	of	ADP
ijtc-1599	128	53	the	the	DET
ijtc-1599	128	54	independent	independent	ADJ
ijtc-1599	128	55	variables	variable	NOUN
ijtc-1599	128	56	in	in	ADP
ijtc-1599	128	57	the	the	DET
ijtc-1599	128	58	model	model	NOUN
ijtc-1599	128	59	,	,	PUNCT
ijtc-1599	128	60	and	and	CCONJ
ijtc-1599	128	61	µ	µ	X
ijtc-1599	128	62	=	=	NOUN
ijtc-1599	128	63	error	error	NOUN
ijtc-1599	128	64	term	term	NOUN
ijtc-1599	128	65	.	.	PUNCT
ijtc-1599	129	1	result	result	NOUN
ijtc-1599	129	2	and	and	CCONJ
ijtc-1599	129	3	discussion	discussion	NOUN
ijtc-1599	129	4	table	table	NOUN
ijtc-1599	129	5	1	1	NUM
ijtc-1599	129	6	presents	present	VERB
ijtc-1599	129	7	the	the	DET
ijtc-1599	129	8	summarized	summarize	VERB
ijtc-1599	129	9	features	feature	NOUN
ijtc-1599	129	10	of	of	ADP
ijtc-1599	129	11	the	the	DET
ijtc-1599	129	12	questionnaires	questionnaire	NOUN
ijtc-1599	129	13	(	(	PUNCT
ijtc-1599	129	14	panel	panel	NOUN
ijtc-1599	129	15	a	a	X
ijtc-1599	129	16	)	)	PUNCT
ijtc-1599	129	17	,	,	PUNCT
ijtc-1599	129	18	the	the	DET
ijtc-1599	129	19	processing	processing	NOUN
ijtc-1599	129	20	case	case	NOUN
ijtc-1599	129	21	for	for	ADP
ijtc-1599	129	22	the	the	DET
ijtc-1599	129	23	returned	return	VERB
ijtc-1599	129	24	“	"	PUNCT
ijtc-1599	129	25	(	(	PUNCT
ijtc-1599	129	26	panel	panel	NOUN
ijtc-1599	129	27	b	b	NOUN
ijtc-1599	129	28	)	)	PUNCT
ijtc-1599	129	29	,	,	PUNCT
ijtc-1599	129	30	and	and	CCONJ
ijtc-1599	129	31	the	the	DET
ijtc-1599	129	32	evidence	evidence	NOUN
ijtc-1599	129	33	from	from	ADP
ijtc-1599	129	34	the	the	DET
ijtc-1599	129	35	reliability	reliability	NOUN
ijtc-1599	129	36	test	test	NOUN
ijtc-1599	129	37	(	(	PUNCT
ijtc-1599	129	38	panel	panel	NOUN
ijtc-1599	129	39	c	c	NOUN
ijtc-1599	129	40	)	)	PUNCT
ijtc-1599	129	41	.	.	PUNCT
ijtc-1599	130	1	cronbach	cronbach	PROPN
ijtc-1599	130	2	’s	’s	PART
ijtc-1599	130	3	alpha	alpha	NOUN
ijtc-1599	130	4	,	,	PUNCT
ijtc-1599	130	5	employed	employ	VERB
ijtc-1599	130	6	to	to	PART
ijtc-1599	130	7	ensure	ensure	VERB
ijtc-1599	130	8	the	the	DET
ijtc-1599	130	9	validity	validity	NOUN
ijtc-1599	130	10	of	of	ADP
ijtc-1599	130	11	the	the	DET
ijtc-1599	130	12	instruments	instrument	NOUN
ijtc-1599	130	13	used	use	VERB
ijtc-1599	130	14	to	to	PART
ijtc-1599	130	15	test	test	VERB
ijtc-1599	130	16	the	the	DET
ijtc-1599	130	17	hypotheses	hypothesis	NOUN
ijtc-1599	130	18	,	,	PUNCT
ijtc-1599	130	19	reports	report	VERB
ijtc-1599	130	20	a	a	DET
ijtc-1599	130	21	coefficient	coefficient	NOUN
ijtc-1599	130	22	of	of	ADP
ijtc-1599	130	23	0.780	0.780	NUM
ijtc-1599	130	24	,	,	PUNCT
ijtc-1599	130	25	indicating	indicate	VERB
ijtc-1599	130	26	a	a	DET
ijtc-1599	130	27	good	good	ADJ
ijtc-1599	130	28	internal	internal	ADJ
ijtc-1599	130	29	consistency	consistency	NOUN
ijtc-1599	130	30	.	.	PUNCT
ijtc-1599	131	1	according	accord	VERB
ijtc-1599	131	2	to	to	ADP
ijtc-1599	131	3	ayinde	ayinde	PROPN
ijtc-1599	131	4	(	(	PUNCT
ijtc-1599	131	5	2023	2023	NUM
ijtc-1599	131	6	)	)	PUNCT
ijtc-1599	131	7	,	,	PUNCT
ijtc-1599	131	8	a	a	DET
ijtc-1599	131	9	social	social	ADJ
ijtc-1599	131	10	science	science	NOUN
ijtc-1599	131	11	study	study	NOUN
ijtc-1599	131	12	can	can	AUX
ijtc-1599	131	13	be	be	AUX
ijtc-1599	131	14	deemed	deem	VERB
ijtc-1599	131	15	acceptable	acceptable	ADJ
ijtc-1599	131	16	if	if	SCONJ
ijtc-1599	131	17	the	the	DET
ijtc-1599	131	18	dependability	dependability	NOUN
ijtc-1599	131	19	coefficient	coefficient	NOUN
ijtc-1599	131	20	is	be	AUX
ijtc-1599	131	21	0.70	0.70	NUM
ijtc-1599	131	22	or	or	CCONJ
ijtc-1599	131	23	greater	great	ADJ
ijtc-1599	131	24	.	.	PUNCT
ijtc-1599	132	1	table	table	NOUN
ijtc-1599	132	2	2	2	NUM
ijtc-1599	132	3	presents	present	VERB
ijtc-1599	132	4	the	the	DET
ijtc-1599	132	5	estimation	estimation	NOUN
ijtc-1599	132	6	outcome	outcome	NOUN
ijtc-1599	132	7	for	for	ADP
ijtc-1599	132	8	equation	equation	NOUN
ijtc-1599	132	9	2	2	NUM
ijtc-1599	132	10	.	.	PUNCT
ijtc-1599	133	1	the	the	DET
ijtc-1599	133	2	impact	impact	NOUN
ijtc-1599	133	3	of	of	ADP
ijtc-1599	133	4	timely	timely	ADJ
ijtc-1599	133	5	access	access	NOUN
ijtc-1599	133	6	to	to	ADP
ijtc-1599	133	7	microcredit	microcredit	NOUN
ijtc-1599	133	8	has	have	VERB
ijtc-1599	133	9	a	a	DET
ijtc-1599	133	10	coefficient	coefficient	NOUN
ijtc-1599	133	11	of	of	ADP
ijtc-1599	133	12	-0.229	-0.229	PUNCT
ijtc-1599	133	13	and	and	CCONJ
ijtc-1599	133	14	is	be	AUX
ijtc-1599	133	15	significant	significant	ADJ
ijtc-1599	133	16	,	,	PUNCT
ijtc-1599	133	17	implying	imply	VERB
ijtc-1599	133	18	that	that	SCONJ
ijtc-1599	133	19	for	for	ADP
ijtc-1599	133	20	every	every	DET
ijtc-1599	133	21	percent	percent	NOUN
ijtc-1599	133	22	increase	increase	NOUN
ijtc-1599	133	23	in	in	ADP
ijtc-1599	133	24	timely	timely	ADJ
ijtc-1599	133	25	access	access	NOUN
ijtc-1599	133	26	to	to	ADP
ijtc-1599	133	27	micro	micro	NOUN
ijtc-1599	133	28	-	-	NOUN
ijtc-1599	133	29	credit	credit	NOUN
ijtc-1599	133	30	by	by	ADP
ijtc-1599	133	31	agribusiness	agribusiness	NOUN
ijtc-1599	133	32	cooperative	cooperative	ADJ
ijtc-1599	133	33	societies	society	NOUN
ijtc-1599	133	34	,	,	PUNCT
ijtc-1599	133	35	poverty	poverty	NOUN
ijtc-1599	133	36	alleviation	alleviation	NOUN
ijtc-1599	133	37	among	among	ADP
ijtc-1599	133	38	cooperators	cooperator	NOUN
ijtc-1599	133	39	will	will	AUX
ijtc-1599	133	40	decrease	decrease	VERB
ijtc-1599	133	41	by	by	ADP
ijtc-1599	133	42	22.9	22.9	NUM
ijtc-1599	133	43	%	%	NOUN
ijtc-1599	133	44	.	.	PUNCT
ijtc-1599	134	1	the	the	DET
ijtc-1599	134	2	micro	micro	ADJ
ijtc-1599	134	3	-	-	ADJ
ijtc-1599	134	4	credit	credit	ADJ
ijtc-1599	134	5	lending	lending	NOUN
ijtc-1599	134	6	rate	rate	NOUN
ijtc-1599	134	7	has	have	VERB
ijtc-1599	134	8	a	a	DET
ijtc-1599	134	9	coefficient	coefficient	NOUN
ijtc-1599	134	10	of	of	ADP
ijtc-1599	134	11	-0.242	-0.242	PROPN
ijtc-1599	134	12	,	,	PUNCT
ijtc-1599	134	13	which	which	PRON
ijtc-1599	134	14	implies	imply	VERB
ijtc-1599	134	15	that	that	SCONJ
ijtc-1599	134	16	for	for	ADP
ijtc-1599	134	17	every	every	DET
ijtc-1599	134	18	decrease	decrease	NOUN
ijtc-1599	134	19	in	in	ADP
ijtc-1599	134	20	cooperative	cooperative	ADJ
ijtc-1599	134	21	societies	society	NOUN
ijtc-1599	134	22	,	,	PUNCT
ijtc-1599	134	23	the	the	DET
ijtc-1599	134	24	micro	micro	NOUN
ijtc-1599	134	25	-	-	NOUN
ijtc-1599	134	26	credit	credit	ADJ
ijtc-1599	134	27	lending	lending	NOUN
ijtc-1599	134	28	rate	rate	NOUN
ijtc-1599	134	29	and	and	CCONJ
ijtc-1599	134	30	poverty	poverty	NOUN
ijtc-1599	134	31	alleviation	alleviation	NOUN
ijtc-1599	134	32	level	level	NOUN
ijtc-1599	134	33	will	will	AUX
ijtc-1599	134	34	decrease	decrease	VERB
ijtc-1599	134	35	by	by	ADP
ijtc-1599	134	36	24.2	24.2	NUM
ijtc-1599	134	37	%	%	NOUN
ijtc-1599	134	38	.	.	PUNCT
ijtc-1599	135	1	the	the	DET
ijtc-1599	135	2	coefficient	coefficient	NOUN
ijtc-1599	135	3	for	for	ADP
ijtc-1599	135	4	technical	technical	ADJ
ijtc-1599	135	5	support	support	NOUN
ijtc-1599	135	6	is	be	AUX
ijtc-1599	135	7	-0.231	-0.231	NUM
ijtc-1599	135	8	,	,	PUNCT
ijtc-1599	135	9	supposing	suppose	VERB
ijtc-1599	135	10	there	there	PRON
ijtc-1599	135	11	will	will	AUX
ijtc-1599	135	12	be	be	AUX
ijtc-1599	135	13	a	a	DET
ijtc-1599	135	14	23.1	23.1	NUM
ijtc-1599	135	15	%	%	NOUN
ijtc-1599	135	16	drop	drop	NOUN
ijtc-1599	135	17	in	in	ADP
ijtc-1599	135	18	poverty	poverty	NOUN
ijtc-1599	135	19	alleviation	alleviation	NOUN
ijtc-1599	135	20	among	among	ADP
ijtc-1599	135	21	agribusiness	agribusiness	NOUN
ijtc-1599	135	22	cooperators	cooperator	NOUN
ijtc-1599	135	23	for	for	ADP
ijtc-1599	135	24	an	an	DET
ijtc-1599	135	25	increase	increase	NOUN
ijtc-1599	135	26	in	in	ADP
ijtc-1599	135	27	technical	technical	ADJ
ijtc-1599	135	28	support	support	NOUN
ijtc-1599	135	29	.	.	PUNCT
ijtc-1599	136	1	the	the	DET
ijtc-1599	136	2	t	t	PROPN
ijtc-1599	136	3	-	-	PUNCT
ijtc-1599	136	4	statistic	statistic	NOUN
ijtc-1599	136	5	is	be	AUX
ijtc-1599	136	6	2.133	2.133	NUM
ijtc-1599	136	7	,	,	PUNCT
ijtc-1599	136	8	and	and	CCONJ
ijtc-1599	136	9	the	the	DET
ijtc-1599	136	10	p	p	NOUN
ijtc-1599	136	11	-	-	PUNCT
ijtc-1599	136	12	value	value	NOUN
ijtc-1599	136	13	is	be	AUX
ijtc-1599	136	14	0.036	0.036	NUM
ijtc-1599	136	15	,	,	PUNCT
ijtc-1599	136	16	equivalent	equivalent	ADJ
ijtc-1599	136	17	to	to	ADP
ijtc-1599	136	18	0.05	0.05	NUM
ijtc-1599	136	19	,	,	PUNCT
ijtc-1599	136	20	at	at	ADP
ijtc-1599	136	21	a	a	DET
ijtc-1599	136	22	significant	significant	ADJ
ijtc-1599	136	23	level	level	NOUN
ijtc-1599	136	24	of	of	ADP
ijtc-1599	136	25	0.05	0.05	NUM
ijtc-1599	136	26	.	.	PUNCT
ijtc-1599	137	1	this	this	PRON
ijtc-1599	137	2	demonstrates	demonstrate	VERB
ijtc-1599	137	3	that	that	SCONJ
ijtc-1599	137	4	prompt	prompt	ADJ
ijtc-1599	137	5	access	access	NOUN
ijtc-1599	137	6	to	to	ADP
ijtc-1599	137	7	microcredit	microcredit	NOUN
ijtc-1599	137	8	significantly	significantly	ADV
ijtc-1599	137	9	impacts	impact	VERB
ijtc-1599	137	10	agribusiness	agribusiness	NOUN
ijtc-1599	137	11	cooperators	cooperator	NOUN
ijtc-1599	137	12	'	'	PART
ijtc-1599	137	13	ability	ability	NOUN
ijtc-1599	137	14	to	to	PART
ijtc-1599	137	15	reduce	reduce	VERB
ijtc-1599	137	16	poverty	poverty	NOUN
ijtc-1599	137	17	.	.	PUNCT
ijtc-1599	138	1	the	the	DET
ijtc-1599	138	2	t	t	PROPN
ijtc-1599	138	3	-	-	PUNCT
ijtc-1599	138	4	statistic	statistic	NOUN
ijtc-1599	138	5	is	be	AUX
ijtc-1599	138	6	1.898	1.898	NUM
ijtc-1599	138	7	at	at	ADP
ijtc-1599	138	8	a	a	DET
ijtc-1599	138	9	substantial	substantial	ADJ
ijtc-1599	138	10	level	level	NOUN
ijtc-1599	138	11	of	of	ADP
ijtc-1599	138	12	0.05	0.05	NUM
ijtc-1599	138	13	,	,	PUNCT
ijtc-1599	138	14	and	and	CCONJ
ijtc-1599	138	15	its	its	PRON
ijtc-1599	138	16	p	p	ADJ
ijtc-1599	138	17	-	-	PUNCT
ijtc-1599	138	18	value	value	NOUN
ijtc-1599	138	19	is.008	is.008	NOUN
ijtc-1599	138	20	,	,	PUNCT
ijtc-1599	138	21	higher	high	ADJ
ijtc-1599	138	22	than	than	ADP
ijtc-1599	138	23	0.05	0.05	NUM
ijtc-1599	138	24	.	.	PUNCT
ijtc-1599	139	1	this	this	PRON
ijtc-1599	139	2	demonstrates	demonstrate	VERB
ijtc-1599	139	3	that	that	SCONJ
ijtc-1599	139	4	the	the	DET
ijtc-1599	139	5	rate	rate	NOUN
ijtc-1599	139	6	of	of	ADP
ijtc-1599	139	7	microcredit	microcredit	NOUN
ijtc-1599	139	8	lending	lending	NOUN
ijtc-1599	139	9	among	among	ADP
ijtc-1599	139	10	agribusiness	agribusiness	NOUN
ijtc-1599	139	11	cooperators	cooperator	NOUN
ijtc-1599	139	12	has	have	VERB
ijtc-1599	139	13	no	no	DET
ijtc-1599	139	14	discernible	discernible	ADJ
ijtc-1599	139	15	effect	effect	NOUN
ijtc-1599	139	16	on	on	ADP
ijtc-1599	139	17	decreasing	decrease	VERB
ijtc-1599	139	18	poverty	poverty	NOUN
ijtc-1599	139	19	.	.	PUNCT
ijtc-1599	140	1	the	the	DET
ijtc-1599	140	2	t	t	PROPN
ijtc-1599	140	3	-	-	PUNCT
ijtc-1599	140	4	statistic	statistic	NOUN
ijtc-1599	140	5	is	be	AUX
ijtc-1599	140	6	1.926	1.926	NUM
ijtc-1599	140	7	at	at	ADP
ijtc-1599	140	8	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1599	140	9	micro	micro	ADJ
ijtc-1599	140	10	credit	credit	NOUN
ijtc-1599	140	11	and	and	CCONJ
ijtc-1599	140	12	poverty	poverty	NOUN
ijtc-1599	140	13	alleviation	alleviation	NOUN
ijtc-1599	140	14	in	in	ADP
ijtc-1599	140	15	nigeria	nigeria	PROPN
ijtc-1599	140	16	:	:	PUNCT
ijtc-1599	140	17	evidence	evidence	NOUN
ijtc-1599	140	18	from	from	ADP
ijtc-1599	140	19	selected	select	VERB
ijtc-1599	140	20	agribusiness	agribusiness	NOUN
ijtc-1599	140	21	cooperative	cooperative	ADJ
ijtc-1599	140	22	societies	society	NOUN
ijtc-1599	140	23	in	in	ADP
ijtc-1599	140	24	oyo	oyo	NOUN
ijtc-1599	140	25	state	state	NOUN
ijtc-1599	140	26	ibrahim	ibrahim	PROPN
ijtc-1599	140	27	,	,	PUNCT
ijtc-1599	140	28	gbadebo	gbadebo	NOUN
ijtc-1599	140	29	and	and	CCONJ
ijtc-1599	140	30	dada	dada	PROPN
ijtc-1599	140	31	788	788	NUM
ijtc-1599	140	32	|	|	ADV
ijtc-1599	140	33	ilomata	ilomata	PROPN
ijtc-1599	140	34	international	international	ADJ
ijtc-1599	140	35	journal	journal	NOUN
ijtc-1599	140	36	of	of	ADP
ijtc-1599	140	37	tax	tax	PROPN
ijtc-1599	140	38	&	&	CCONJ
ijtc-1599	140	39	accounting	account	VERB
ijtc-1599	140	40	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1599	140	41	a	a	DET
ijtc-1599	140	42	significance	significance	NOUN
ijtc-1599	140	43	threshold	threshold	NOUN
ijtc-1599	140	44	of	of	ADP
ijtc-1599	140	45	0.05	0.05	NUM
ijtc-1599	140	46	,	,	PUNCT
ijtc-1599	140	47	and	and	CCONJ
ijtc-1599	140	48	the	the	DET
ijtc-1599	140	49	t	t	NOUN
ijtc-1599	140	50	-	-	PUNCT
ijtc-1599	140	51	statistic	statistic	NOUN
ijtc-1599	140	52	p	p	NOUN
ijtc-1599	140	53	-	-	PUNCT
ijtc-1599	140	54	value	value	NOUN
ijtc-1599	140	55	is	be	AUX
ijtc-1599	140	56	0.005	0.005	NUM
ijtc-1599	140	57	,	,	PUNCT
ijtc-1599	140	58	or	or	CCONJ
ijtc-1599	140	59	0.05	0.05	NUM
ijtc-1599	140	60	.	.	PUNCT
ijtc-1599	141	1	this	this	PRON
ijtc-1599	141	2	demonstrates	demonstrate	VERB
ijtc-1599	141	3	the	the	DET
ijtc-1599	141	4	substantial	substantial	ADJ
ijtc-1599	141	5	impact	impact	NOUN
ijtc-1599	141	6	that	that	PRON
ijtc-1599	141	7	technical	technical	ADJ
ijtc-1599	141	8	assistance	assistance	NOUN
ijtc-1599	141	9	has	have	VERB
ijtc-1599	141	10	on	on	ADP
ijtc-1599	141	11	reducing	reduce	VERB
ijtc-1599	141	12	poverty	poverty	NOUN
ijtc-1599	141	13	among	among	ADP
ijtc-1599	141	14	agribusiness	agribusiness	NOUN
ijtc-1599	141	15	partners	partner	NOUN
ijtc-1599	141	16	.	.	PUNCT
ijtc-1599	142	1	the	the	DET
ijtc-1599	142	2	t	t	PROPN
ijtc-1599	142	3	-	-	PUNCT
ijtc-1599	142	4	statistics	statistic	NOUN
ijtc-1599	142	5	are	be	AUX
ijtc-1599	142	6	2.133	2.133	NUM
ijtc-1599	142	7	,	,	PUNCT
ijtc-1599	142	8	and	and	CCONJ
ijtc-1599	142	9	the	the	DET
ijtc-1599	142	10	p	p	NOUN
ijtc-1599	142	11	-	-	PUNCT
ijtc-1599	142	12	value	value	NOUN
ijtc-1599	142	13	,	,	PUNCT
ijtc-1599	142	14	or	or	CCONJ
ijtc-1599	142	15	aggregate	aggregate	VERB
ijtc-1599	142	16	adjusted	adjusted	ADJ
ijtc-1599	142	17	r2	r2	NOUN
ijtc-1599	142	18	coefficient	coefficient	NOUN
ijtc-1599	142	19	of	of	ADP
ijtc-1599	142	20	determination	determination	NOUN
ijtc-1599	142	21	,	,	PUNCT
ijtc-1599	142	22	is	be	AUX
ijtc-1599	142	23	0.771	0.771	NUM
ijtc-1599	142	24	at	at	ADP
ijtc-1599	142	25	a	a	DET
ijtc-1599	142	26	significance	significance	NOUN
ijtc-1599	142	27	level	level	NOUN
ijtc-1599	142	28	of	of	ADP
ijtc-1599	142	29	0.05	0.05	NUM
ijtc-1599	142	30	.	.	PUNCT
ijtc-1599	143	1	these	these	DET
ijtc-1599	143	2	values	value	NOUN
ijtc-1599	143	3	indicate	indicate	VERB
ijtc-1599	143	4	how	how	SCONJ
ijtc-1599	143	5	well	well	ADV
ijtc-1599	143	6	the	the	DET
ijtc-1599	143	7	model	model	NOUN
ijtc-1599	143	8	explains	explain	VERB
ijtc-1599	143	9	the	the	DET
ijtc-1599	143	10	data	datum	NOUN
ijtc-1599	143	11	.	.	PUNCT
ijtc-1599	144	1	this	this	PRON
ijtc-1599	144	2	suggests	suggest	VERB
ijtc-1599	144	3	that	that	SCONJ
ijtc-1599	144	4	,	,	PUNCT
ijtc-1599	144	5	in	in	ADP
ijtc-1599	144	6	the	the	DET
ijtc-1599	144	7	model	model	NOUN
ijtc-1599	144	8	context	context	NOUN
ijtc-1599	144	9	,	,	PUNCT
ijtc-1599	144	10	microcredit	microcredit	NOUN
ijtc-1599	144	11	accounts	account	VERB
ijtc-1599	144	12	for	for	ADP
ijtc-1599	144	13	77.1	77.1	NUM
ijtc-1599	144	14	%	%	NOUN
ijtc-1599	144	15	of	of	ADP
ijtc-1599	144	16	variations	variation	NOUN
ijtc-1599	144	17	in	in	ADP
ijtc-1599	144	18	poverty	poverty	NOUN
ijtc-1599	144	19	reduction	reduction	NOUN
ijtc-1599	144	20	among	among	ADP
ijtc-1599	144	21	the	the	DET
ijtc-1599	144	22	chosen	choose	VERB
ijtc-1599	144	23	agribusiness	agribusiness	NOUN
ijtc-1599	144	24	cooperators	cooperator	NOUN
ijtc-1599	144	25	,	,	PUNCT
ijtc-1599	144	26	with	with	ADP
ijtc-1599	144	27	other	other	ADJ
ijtc-1599	144	28	factors	factor	NOUN
ijtc-1599	144	29	directly	directly	ADV
ijtc-1599	144	30	related	relate	VERB
ijtc-1599	144	31	to	to	ADP
ijtc-1599	144	32	the	the	DET
ijtc-1599	144	33	topic	topic	NOUN
ijtc-1599	144	34	accounting	account	VERB
ijtc-1599	144	35	for	for	ADP
ijtc-1599	144	36	22.9	22.9	NUM
ijtc-1599	144	37	%	%	NOUN
ijtc-1599	144	38	of	of	ADP
ijtc-1599	144	39	the	the	DET
ijtc-1599	144	40	explanation	explanation	NOUN
ijtc-1599	144	41	.	.	PUNCT
ijtc-1599	145	1	these	these	DET
ijtc-1599	145	2	different	different	ADJ
ijtc-1599	145	3	factors	factor	NOUN
ijtc-1599	145	4	represent	represent	VERB
ijtc-1599	145	5	the	the	DET
ijtc-1599	145	6	stochastic	stochastic	ADJ
ijtc-1599	145	7	component	component	NOUN
ijtc-1599	145	8	of	of	ADP
ijtc-1599	145	9	the	the	DET
ijtc-1599	145	10	model	model	NOUN
ijtc-1599	145	11	that	that	PRON
ijtc-1599	145	12	has	have	AUX
ijtc-1599	145	13	been	be	AUX
ijtc-1599	145	14	thrown	throw	VERB
ijtc-1599	145	15	into	into	ADP
ijtc-1599	145	16	the	the	DET
ijtc-1599	145	17	error	error	NOUN
ijtc-1599	145	18	terms	term	NOUN
ijtc-1599	145	19	.	.	PUNCT
ijtc-1599	146	1	the	the	DET
ijtc-1599	146	2	f	f	NOUN
ijtc-1599	146	3	-	-	PUNCT
ijtc-1599	146	4	statistic	statistic	NOUN
ijtc-1599	146	5	is	be	AUX
ijtc-1599	146	6	29.252	29.252	NUM
ijtc-1599	146	7	at	at	ADP
ijtc-1599	146	8	a	a	DET
ijtc-1599	146	9	significant	significant	ADJ
ijtc-1599	146	10	level	level	NOUN
ijtc-1599	146	11	of	of	ADP
ijtc-1599	146	12	0.05	0.05	NUM
ijtc-1599	146	13	,	,	PUNCT
ijtc-1599	146	14	and	and	CCONJ
ijtc-1599	146	15	the	the	DET
ijtc-1599	146	16	p	p	NOUN
ijtc-1599	146	17	-	-	PUNCT
ijtc-1599	146	18	value	value	NOUN
ijtc-1599	146	19	is	be	AUX
ijtc-1599	146	20	0.000	0.000	NUM
ijtc-1599	146	21	,	,	PUNCT
ijtc-1599	146	22	which	which	PRON
ijtc-1599	146	23	is	be	AUX
ijtc-1599	146	24	smaller	small	ADJ
ijtc-1599	146	25	than	than	ADP
ijtc-1599	146	26	the	the	DET
ijtc-1599	146	27	chosen	choose	VERB
ijtc-1599	146	28	0.05	0.05	NUM
ijtc-1599	146	29	.	.	PUNCT
ijtc-1599	147	1	this	this	PRON
ijtc-1599	147	2	leads	lead	VERB
ijtc-1599	147	3	one	one	NUM
ijtc-1599	147	4	to	to	ADP
ijtc-1599	147	5	the	the	DET
ijtc-1599	147	6	conclusion	conclusion	NOUN
ijtc-1599	147	7	that	that	SCONJ
ijtc-1599	147	8	every	every	DET
ijtc-1599	147	9	independent	independent	ADJ
ijtc-1599	147	10	variable	variable	NOUN
ijtc-1599	147	11	used	use	VERB
ijtc-1599	147	12	to	to	PART
ijtc-1599	147	13	estimate	estimate	VERB
ijtc-1599	147	14	the	the	DET
ijtc-1599	147	15	parameters	parameter	NOUN
ijtc-1599	147	16	is	be	AUX
ijtc-1599	147	17	accurate	accurate	ADJ
ijtc-1599	147	18	.	.	PUNCT
ijtc-1599	148	1	this	this	PRON
ijtc-1599	148	2	suggests	suggest	VERB
ijtc-1599	148	3	that	that	SCONJ
ijtc-1599	148	4	the	the	DET
ijtc-1599	148	5	dependent	dependent	ADJ
ijtc-1599	148	6	and	and	CCONJ
ijtc-1599	148	7	independent	independent	ADJ
ijtc-1599	148	8	variables	variable	NOUN
ijtc-1599	148	9	have	have	VERB
ijtc-1599	148	10	a	a	DET
ijtc-1599	148	11	substantial	substantial	ADJ
ijtc-1599	148	12	negative	negative	ADJ
ijtc-1599	148	13	connection	connection	NOUN
ijtc-1599	148	14	.	.	PUNCT
ijtc-1599	149	1	as	as	ADP
ijtc-1599	149	2	a	a	DET
ijtc-1599	149	3	result	result	NOUN
ijtc-1599	149	4	,	,	PUNCT
ijtc-1599	149	5	cooperative	cooperative	ADJ
ijtc-1599	149	6	groups	group	NOUN
ijtc-1599	149	7	may	may	AUX
ijtc-1599	149	8	be	be	AUX
ijtc-1599	149	9	considered	consider	VERB
ijtc-1599	149	10	a	a	DET
ijtc-1599	149	11	useful	useful	ADJ
ijtc-1599	149	12	instrument	instrument	NOUN
ijtc-1599	149	13	for	for	ADP
ijtc-1599	149	14	ending	end	VERB
ijtc-1599	149	15	poverty	poverty	NOUN
ijtc-1599	149	16	.	.	PUNCT
ijtc-1599	150	1	the	the	DET
ijtc-1599	150	2	study	study	NOUN
ijtc-1599	150	3	was	be	AUX
ijtc-1599	150	4	conducted	conduct	VERB
ijtc-1599	150	5	to	to	PART
ijtc-1599	150	6	ascertain	ascertain	VERB
ijtc-1599	150	7	how	how	SCONJ
ijtc-1599	150	8	micro	micro	ADJ
ijtc-1599	150	9	-	-	ADJ
ijtc-1599	150	10	credit	credit	ADJ
ijtc-1599	150	11	induced	induce	VERB
ijtc-1599	150	12	poverty	poverty	NOUN
ijtc-1599	150	13	alleviation	alleviation	NOUN
ijtc-1599	150	14	in	in	ADP
ijtc-1599	150	15	nigeria	nigeria	PROPN
ijtc-1599	150	16	,	,	PUNCT
ijtc-1599	150	17	focusing	focus	VERB
ijtc-1599	150	18	on	on	ADP
ijtc-1599	150	19	selected	select	VERB
ijtc-1599	150	20	agribusiness	agribusiness	NOUN
ijtc-1599	150	21	cooperative	cooperative	ADJ
ijtc-1599	150	22	societies	society	NOUN
ijtc-1599	150	23	in	in	ADP
ijtc-1599	150	24	oyo	oyo	NOUN
ijtc-1599	150	25	state	state	NOUN
ijtc-1599	150	26	.	.	PUNCT
ijtc-1599	151	1	the	the	DET
ijtc-1599	151	2	study	study	NOUN
ijtc-1599	151	3	's	's	PART
ijtc-1599	151	4	objectives	objective	NOUN
ijtc-1599	151	5	were	be	AUX
ijtc-1599	151	6	analyzed	analyze	VERB
ijtc-1599	151	7	using	use	VERB
ijtc-1599	151	8	a	a	DET
ijtc-1599	151	9	regression	regression	NOUN
ijtc-1599	151	10	model	model	NOUN
ijtc-1599	151	11	,	,	PUNCT
ijtc-1599	151	12	and	and	CCONJ
ijtc-1599	151	13	the	the	DET
ijtc-1599	151	14	collected	collect	VERB
ijtc-1599	151	15	data	datum	NOUN
ijtc-1599	151	16	were	be	AUX
ijtc-1599	151	17	analyzed	analyze	VERB
ijtc-1599	151	18	using	use	VERB
ijtc-1599	151	19	simple	simple	ADJ
ijtc-1599	151	20	percentages	percentage	NOUN
ijtc-1599	151	21	.	.	PUNCT
ijtc-1599	152	1	it	it	PRON
ijtc-1599	152	2	revealed	reveal	VERB
ijtc-1599	152	3	that	that	SCONJ
ijtc-1599	152	4	cooperative	cooperative	ADJ
ijtc-1599	152	5	societies	society	NOUN
ijtc-1599	152	6	have	have	AUX
ijtc-1599	152	7	contributed	contribute	VERB
ijtc-1599	152	8	immensely	immensely	ADV
ijtc-1599	152	9	to	to	ADP
ijtc-1599	152	10	poverty	poverty	NOUN
ijtc-1599	152	11	reduction	reduction	NOUN
ijtc-1599	152	12	in	in	ADP
ijtc-1599	152	13	nigeria	nigeria	PROPN
ijtc-1599	152	14	.	.	PUNCT
ijtc-1599	153	1	the	the	DET
ijtc-1599	153	2	outcome	outcome	NOUN
ijtc-1599	153	3	indicates	indicate	VERB
ijtc-1599	153	4	that	that	SCONJ
ijtc-1599	153	5	timely	timely	ADJ
ijtc-1599	153	6	access	access	NOUN
ijtc-1599	153	7	to	to	ADP
ijtc-1599	153	8	micro	micro	NOUN
ijtc-1599	153	9	-	-	NOUN
ijtc-1599	153	10	credit	credit	ADJ
ijtc-1599	153	11	,	,	PUNCT
ijtc-1599	153	12	micro	micro	NOUN
ijtc-1599	153	13	-	-	NOUN
ijtc-1599	153	14	credit	credit	ADJ
ijtc-1599	153	15	lending	lending	NOUN
ijtc-1599	153	16	rate	rate	NOUN
ijtc-1599	153	17	,	,	PUNCT
ijtc-1599	153	18	and	and	CCONJ
ijtc-1599	153	19	technical	technical	ADJ
ijtc-1599	153	20	support	support	NOUN
ijtc-1599	153	21	as	as	ADP
ijtc-1599	153	22	part	part	NOUN
ijtc-1599	153	23	of	of	ADP
ijtc-1599	153	24	the	the	DET
ijtc-1599	153	25	various	various	ADJ
ijtc-1599	153	26	activities	activity	NOUN
ijtc-1599	153	27	of	of	ADP
ijtc-1599	153	28	the	the	DET
ijtc-1599	153	29	selected	select	VERB
ijtc-1599	153	30	cooperative	cooperative	ADJ
ijtc-1599	153	31	societies	society	NOUN
ijtc-1599	153	32	has	have	AUX
ijtc-1599	153	33	voraciously	voraciously	ADV
ijtc-1599	153	34	declined	decline	VERB
ijtc-1599	153	35	the	the	DET
ijtc-1599	153	36	poverty	poverty	NOUN
ijtc-1599	153	37	circle	circle	NOUN
ijtc-1599	153	38	among	among	ADP
ijtc-1599	153	39	the	the	DET
ijtc-1599	153	40	agribusiness	agribusiness	NOUN
ijtc-1599	153	41	cooperators	cooperator	NOUN
ijtc-1599	153	42	given	give	VERB
ijtc-1599	153	43	credence	credence	NOUN
ijtc-1599	153	44	to	to	ADP
ijtc-1599	153	45	the	the	DET
ijtc-1599	153	46	reported	report	VERB
ijtc-1599	153	47	coefficient	coefficient	NOUN
ijtc-1599	153	48	on	on	ADP
ijtc-1599	153	49	how	how	SCONJ
ijtc-1599	153	50	cooperative	cooperative	ADJ
ijtc-1599	153	51	societies	society	NOUN
ijtc-1599	153	52	'	'	PART
ijtc-1599	153	53	activities	activity	NOUN
ijtc-1599	153	54	affect	affect	VERB
ijtc-1599	153	55	poverty	poverty	NOUN
ijtc-1599	153	56	reduction	reduction	NOUN
ijtc-1599	153	57	.	.	PUNCT
ijtc-1599	154	1	the	the	DET
ijtc-1599	154	2	overall	overall	ADJ
ijtc-1599	154	3	result	result	NOUN
ijtc-1599	154	4	of	of	ADP
ijtc-1599	154	5	the	the	DET
ijtc-1599	154	6	regression	regression	NOUN
ijtc-1599	154	7	summary	summary	NOUN
ijtc-1599	154	8	shows	show	VERB
ijtc-1599	154	9	that	that	SCONJ
ijtc-1599	154	10	a	a	DET
ijtc-1599	154	11	negative	negative	ADJ
ijtc-1599	154	12	and	and	CCONJ
ijtc-1599	154	13	significant	significant	ADJ
ijtc-1599	154	14	relationship	relationship	NOUN
ijtc-1599	154	15	exists	exist	VERB
ijtc-1599	154	16	between	between	ADP
ijtc-1599	154	17	the	the	DET
ijtc-1599	154	18	dependent	dependent	ADJ
ijtc-1599	154	19	and	and	CCONJ
ijtc-1599	154	20	the	the	DET
ijtc-1599	154	21	independent	independent	ADJ
ijtc-1599	154	22	variables	variable	NOUN
ijtc-1599	154	23	”	"	PUNCT
ijtc-1599	154	24	regarding	regard	VERB
ijtc-1599	154	25	poverty	poverty	NOUN
ijtc-1599	154	26	reduction	reduction	NOUN
ijtc-1599	154	27	.	.	PUNCT
ijtc-1599	155	1	table	table	NOUN
ijtc-1599	155	2	1	1	NUM
ijtc-1599	155	3	.	.	X
ijtc-1599	155	4	questionnaire	questionnaire	NOUN
ijtc-1599	155	5	's	's	PART
ijtc-1599	155	6	features	feature	NOUN
ijtc-1599	155	7	and	and	CCONJ
ijtc-1599	155	8	reliability	reliability	NOUN
ijtc-1599	155	9	test	test	NOUN
ijtc-1599	155	10	panel	panel	NOUN
ijtc-1599	155	11	a	a	DET
ijtc-1599	155	12	:	:	PUNCT
ijtc-1599	155	13	questionnaire	questionnaire	NOUN
ijtc-1599	155	14	's	's	PART
ijtc-1599	155	15	feature	feature	NOUN
ijtc-1599	155	16	s	s	NOUN
ijtc-1599	155	17	/	/	SYM
ijtc-1599	155	18	n	n	PRON
ijtc-1599	155	19	cases	case	NOUN
ijtc-1599	155	20	on	on	ADP
ijtc-1599	155	21	questionnaire	questionnaire	NOUN
ijtc-1599	155	22	no	no	PRON
ijtc-1599	155	23	of	of	ADP
ijtc-1599	155	24	questionnaires	questionnaire	NOUN
ijtc-1599	155	25	1	1	NUM
ijtc-1599	155	26	administered	administer	VERB
ijtc-1599	155	27	60	60	NUM
ijtc-1599	155	28	2	2	NUM
ijtc-1599	155	29	returned	return	VERB
ijtc-1599	155	30	38	38	NUM
ijtc-1599	155	31	3	3	NUM
ijtc-1599	155	32	void	void	NOUN
ijtc-1599	155	33	18	18	NUM
ijtc-1599	155	34	4	4	NUM
ijtc-1599	155	35	not	not	PART
ijtc-1599	155	36	returned	return	VERB
ijtc-1599	155	37	4	4	NUM
ijtc-1599	155	38	panel	panel	NOUN
ijtc-1599	155	39	b	b	NOUN
ijtc-1599	155	40	:	:	PUNCT
ijtc-1599	155	41	processing	processing	NOUN
ijtc-1599	155	42	returned	return	VERB
ijtc-1599	155	43	cases	case	NOUN
ijtc-1599	155	44	number	number	NOUN
ijtc-1599	155	45	(	(	PUNCT
ijtc-1599	155	46	n	n	CCONJ
ijtc-1599	155	47	)	)	PUNCT
ijtc-1599	155	48	percent	percent	NOUN
ijtc-1599	155	49	(	(	PUNCT
ijtc-1599	155	50	%	%	NOUN
ijtc-1599	155	51	)	)	PUNCT
ijtc-1599	155	52	valid	valid	ADJ
ijtc-1599	155	53	38	38	NUM
ijtc-1599	155	54	100	100	NUM
ijtc-1599	155	55	excludeda	excludeda	ADJ
ijtc-1599	155	56	0	0	NUM
ijtc-1599	155	57	0	0	NUM
ijtc-1599	156	1	total	total	NOUN
ijtc-1599	156	2	38	38	NUM
ijtc-1599	156	3	100	100	NUM
ijtc-1599	156	4	panel	panel	NOUN
ijtc-1599	156	5	c	c	NOUN
ijtc-1599	156	6	:	:	PUNCT
ijtc-1599	156	7	reliability	reliability	NOUN
ijtc-1599	156	8	test	test	NOUN
ijtc-1599	156	9	cronbach	cronbach	NOUN
ijtc-1599	156	10	's	's	PART
ijtc-1599	156	11	alpha	alpha	ADJ
ijtc-1599	156	12	number	number	NOUN
ijtc-1599	156	13	of	of	ADP
ijtc-1599	156	14	items	item	NOUN
ijtc-1599	156	15	statistics	statistic	VERB
ijtc-1599	156	16	0.780	0.780	NUM
ijtc-1599	156	17	14	14	NUM
ijtc-1599	156	18	note	note	NOUN
ijtc-1599	156	19	:	:	PUNCT
ijtc-1599	156	20	a.	a.	NOUN
ijtc-1599	156	21	listwise	listwise	PROPN
ijtc-1599	156	22	deletion	deletion	NOUN
ijtc-1599	156	23	based	base	VERB
ijtc-1599	156	24	on	on	ADP
ijtc-1599	156	25	all	all	DET
ijtc-1599	156	26	variables	variable	NOUN
ijtc-1599	156	27	in	in	ADP
ijtc-1599	156	28	the	the	DET
ijtc-1599	156	29	procedure	procedure	NOUN
ijtc-1599	156	30	.	.	PUNCT
ijtc-1599	157	1	source	source	NOUN
ijtc-1599	157	2	:	:	PUNCT
ijtc-1599	157	3	authors	author	NOUN
ijtc-1599	157	4	(	(	PUNCT
ijtc-1599	157	5	2024	2024	NUM
ijtc-1599	157	6	)	)	PUNCT
ijtc-1599	157	7	table	table	NOUN
ijtc-1599	157	8	2	2	NUM
ijtc-1599	157	9	.	.	X
ijtc-1599	157	10	estimation	estimation	NOUN
ijtc-1599	157	11	outcome	outcome	NOUN
ijtc-1599	157	12	for	for	ADP
ijtc-1599	157	13	pa	pa	PROPN
ijtc-1599	157	14	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1599	157	15	micro	micro	PROPN
ijtc-1599	157	16	credit	credit	NOUN
ijtc-1599	157	17	and	and	CCONJ
ijtc-1599	157	18	poverty	poverty	NOUN
ijtc-1599	157	19	alleviation	alleviation	NOUN
ijtc-1599	157	20	in	in	ADP
ijtc-1599	157	21	nigeria	nigeria	PROPN
ijtc-1599	157	22	:	:	PUNCT
ijtc-1599	157	23	evidence	evidence	NOUN
ijtc-1599	157	24	from	from	ADP
ijtc-1599	157	25	selected	select	VERB
ijtc-1599	157	26	agribusiness	agribusiness	NOUN
ijtc-1599	157	27	cooperative	cooperative	ADJ
ijtc-1599	157	28	societies	society	NOUN
ijtc-1599	157	29	in	in	ADP
ijtc-1599	157	30	oyo	oyo	NOUN
ijtc-1599	157	31	state	state	NOUN
ijtc-1599	157	32	ibrahim	ibrahim	PROPN
ijtc-1599	157	33	,	,	PUNCT
ijtc-1599	157	34	gbadebo	gbadebo	NOUN
ijtc-1599	157	35	and	and	CCONJ
ijtc-1599	157	36	dada	dada	PROPN
ijtc-1599	157	37	789	789	NUM
ijtc-1599	157	38	|	|	CCONJ
ijtc-1599	157	39	ilomata	ilomata	PROPN
ijtc-1599	157	40	international	international	ADJ
ijtc-1599	157	41	journal	journal	NOUN
ijtc-1599	157	42	of	of	ADP
ijtc-1599	157	43	tax	tax	PROPN
ijtc-1599	157	44	&	&	CCONJ
ijtc-1599	157	45	accounting	accounting	PROPN
ijtc-1599	157	46	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1599	157	47	variables	variable	NOUN
ijtc-1599	157	48	𝐂𝐨𝐞𝐟	𝐂𝐨𝐞𝐟	PROPN
ijtc-1599	157	49	&	&	CCONJ
ijtc-1599	157	50	𝐀𝐩𝐫	𝐀𝐩𝐫	PROPN
ijtc-1599	157	51	coeff	coeff	PROPN
ijtc-1599	157	52	.	.	PUNCT
ijtc-1599	158	1	𝛔	𝛔	PROPN
ijtc-1599	158	2	t	t	PROPN
ijtc-1599	158	3	-	-	PUNCT
ijtc-1599	158	4	stat	stat	NOUN
ijtc-1599	158	5	𝐏𝐫(𝐭	𝐏𝐫(𝐭	NOUN
ijtc-1599	158	6	)	)	PUNCT
ijtc-1599	158	7	constant	constant	ADJ
ijtc-1599	158	8	β0	β0	NOUN
ijtc-1599	158	9	+	+	CCONJ
ijtc-1599	158	10	0.103	0.103	NUM
ijtc-1599	158	11	1.470	1.470	NUM
ijtc-1599	158	12	0.070	0.070	NUM
ijtc-1599	158	13	0.000	0.000	NUM
ijtc-1599	158	14	tamc	tamc	NOUN
ijtc-1599	158	15	β1	β1	PROPN
ijtc-1599	158	16	−	−	PROPN
ijtc-1599	158	17	-0.229	-0.229	PUNCT
ijtc-1599	158	18	-0.107	-0.107	PROPN
ijtc-1599	158	19	2.133	2.133	NUM
ijtc-1599	158	20	0.005	0.005	NUM
ijtc-1599	158	21	mclr	mclr	NOUN
ijtc-1599	158	22	β2	β2	NOUN
ijtc-1599	158	23	+	+	X
ijtc-1599	158	24	-0.242	-0.242	NOUN
ijtc-1599	158	25	-0.128	-0.128	PUNCT
ijtc-1599	159	1	1.898	1.898	NUM
ijtc-1599	159	2	0.008	0.008	NUM
ijtc-1599	159	3	ts	ts	ADP
ijtc-1599	159	4	β3	β3	ADJ
ijtc-1599	159	5	+	+	NUM
ijtc-1599	159	6	-0.231	-0.231	NUM
ijtc-1599	159	7	-0.120	-0.120	NUM
ijtc-1599	159	8	1.926	1.926	NUM
ijtc-1599	159	9	0.005	0.005	NUM
ijtc-1599	159	10	�	�	NOUN
ijtc-1599	159	11	̅	̅	NOUN
ijtc-1599	159	12	�	�	NOUN
ijtc-1599	159	13	𝟐	𝟐	NUM
ijtc-1599	159	14	0.771	0.771	NUM
ijtc-1599	159	15	f	f	NOUN
ijtc-1599	159	16	-	-	PUNCT
ijtc-1599	159	17	stat	stat	NOUN
ijtc-1599	159	18	.	.	PUNCT
ijtc-1599	160	1	29.25	29.25	NUM
ijtc-1599	160	2	pr(f	pr(f	NOUN
ijtc-1599	160	3	-	-	PUNCT
ijtc-1599	160	4	stat	stat	NOUN
ijtc-1599	160	5	.	.	PUNCT
ijtc-1599	160	6	)	)	PUNCT
ijtc-1599	161	1	0.000	0.000	NUM
ijtc-1599	161	2	source	source	NOUN
ijtc-1599	161	3	:	:	PUNCT
ijtc-1599	161	4	authors	author	NOUN
ijtc-1599	161	5	(	(	PUNCT
ijtc-1599	161	6	2024	2024	NUM
ijtc-1599	161	7	)	)	PUNCT
ijtc-1599	161	8	conclusion	conclusion	NOUN
ijtc-1599	161	9	the	the	DET
ijtc-1599	161	10	study	study	NOUN
ijtc-1599	161	11	's	's	PART
ijtc-1599	161	12	findings	finding	NOUN
ijtc-1599	161	13	demonstrate	demonstrate	VERB
ijtc-1599	161	14	how	how	SCONJ
ijtc-1599	161	15	important	important	ADJ
ijtc-1599	161	16	cooperative	cooperative	ADJ
ijtc-1599	161	17	societies	society	NOUN
ijtc-1599	161	18	are	be	AUX
ijtc-1599	161	19	to	to	ADP
ijtc-1599	161	20	efforts	effort	NOUN
ijtc-1599	161	21	to	to	PART
ijtc-1599	161	22	reduce	reduce	VERB
ijtc-1599	161	23	poverty	poverty	NOUN
ijtc-1599	161	24	.	.	PUNCT
ijtc-1599	162	1	they	they	PRON
ijtc-1599	162	2	offer	offer	VERB
ijtc-1599	162	3	financial	financial	ADJ
ijtc-1599	162	4	and	and	CCONJ
ijtc-1599	162	5	technical	technical	ADJ
ijtc-1599	162	6	services	service	NOUN
ijtc-1599	162	7	,	,	PUNCT
ijtc-1599	162	8	which	which	PRON
ijtc-1599	162	9	helps	help	VERB
ijtc-1599	162	10	low	low	ADJ
ijtc-1599	162	11	-	-	PUNCT
ijtc-1599	162	12	income	income	NOUN
ijtc-1599	162	13	earners	earner	NOUN
ijtc-1599	162	14	who	who	PRON
ijtc-1599	162	15	traditional	traditional	ADJ
ijtc-1599	162	16	financial	financial	ADJ
ijtc-1599	162	17	institutions	institution	NOUN
ijtc-1599	162	18	do	do	AUX
ijtc-1599	162	19	not	not	PART
ijtc-1599	162	20	primarily	primarily	ADV
ijtc-1599	162	21	support	support	VERB
ijtc-1599	162	22	.	.	PUNCT
ijtc-1599	163	1	furthermore	furthermore	ADV
ijtc-1599	163	2	,	,	PUNCT
ijtc-1599	163	3	the	the	DET
ijtc-1599	163	4	government	government	NOUN
ijtc-1599	163	5	of	of	ADP
ijtc-1599	163	6	nigeria	nigeria	PROPN
ijtc-1599	163	7	,	,	PUNCT
ijtc-1599	163	8	among	among	ADP
ijtc-1599	163	9	other	other	ADJ
ijtc-1599	163	10	countries	country	NOUN
ijtc-1599	163	11	,	,	PUNCT
ijtc-1599	163	12	has	have	AUX
ijtc-1599	163	13	so	so	ADV
ijtc-1599	163	14	far	far	ADV
ijtc-1599	163	15	neglected	neglect	VERB
ijtc-1599	163	16	to	to	PART
ijtc-1599	163	17	acknowledge	acknowledge	VERB
ijtc-1599	163	18	the	the	DET
ijtc-1599	163	19	enormous	enormous	ADJ
ijtc-1599	163	20	contribution	contribution	NOUN
ijtc-1599	163	21	that	that	PRON
ijtc-1599	163	22	cooperative	cooperative	ADJ
ijtc-1599	163	23	societies	society	NOUN
ijtc-1599	163	24	make	make	VERB
ijtc-1599	163	25	to	to	ADP
ijtc-1599	163	26	raising	raise	VERB
ijtc-1599	163	27	the	the	DET
ijtc-1599	163	28	standard	standard	NOUN
ijtc-1599	163	29	of	of	ADP
ijtc-1599	163	30	life	life	NOUN
ijtc-1599	163	31	for	for	ADP
ijtc-1599	163	32	the	the	DET
ijtc-1599	163	33	public	public	NOUN
ijtc-1599	163	34	while	while	NOUN
ijtc-1599	163	35	also	also	ADV
ijtc-1599	163	36	serving	serve	VERB
ijtc-1599	163	37	as	as	ADP
ijtc-1599	163	38	a	a	DET
ijtc-1599	163	39	crucial	crucial	ADJ
ijtc-1599	163	40	missing	missing	ADJ
ijtc-1599	163	41	piece	piece	NOUN
ijtc-1599	163	42	in	in	ADP
ijtc-1599	163	43	the	the	DET
ijtc-1599	163	44	battle	battle	NOUN
ijtc-1599	163	45	against	against	ADP
ijtc-1599	163	46	poverty	poverty	NOUN
ijtc-1599	163	47	.	.	PUNCT
ijtc-1599	164	1	the	the	DET
ijtc-1599	164	2	study	study	NOUN
ijtc-1599	164	3	's	's	PART
ijtc-1599	164	4	other	other	ADJ
ijtc-1599	164	5	findings	finding	NOUN
ijtc-1599	164	6	demonstrated	demonstrate	VERB
ijtc-1599	164	7	that	that	SCONJ
ijtc-1599	164	8	members	member	NOUN
ijtc-1599	164	9	in	in	ADP
ijtc-1599	164	10	the	the	DET
ijtc-1599	164	11	study	study	NOUN
ijtc-1599	164	12	area	area	NOUN
ijtc-1599	164	13	have	have	VERB
ijtc-1599	164	14	lower	low	ADJ
ijtc-1599	164	15	poverty	poverty	NOUN
ijtc-1599	164	16	rates	rate	NOUN
ijtc-1599	164	17	when	when	SCONJ
ijtc-1599	164	18	they	they	PRON
ijtc-1599	164	19	access	access	VERB
ijtc-1599	164	20	microcredit	microcredit	NOUN
ijtc-1599	164	21	,	,	PUNCT
ijtc-1599	164	22	interest	interest	NOUN
ijtc-1599	164	23	rates	rate	NOUN
ijtc-1599	164	24	,	,	PUNCT
ijtc-1599	164	25	and	and	CCONJ
ijtc-1599	164	26	technical	technical	ADJ
ijtc-1599	164	27	service	service	NOUN
ijtc-1599	164	28	supports	support	VERB
ijtc-1599	164	29	.	.	PUNCT
ijtc-1599	165	1	therefore	therefore	ADV
ijtc-1599	165	2	,	,	PUNCT
ijtc-1599	165	3	there	there	PRON
ijtc-1599	165	4	is	be	VERB
ijtc-1599	165	5	a	a	DET
ijtc-1599	165	6	clear	clear	ADJ
ijtc-1599	165	7	connection	connection	NOUN
ijtc-1599	165	8	between	between	ADP
ijtc-1599	165	9	decreased	decrease	VERB
ijtc-1599	165	10	poverty	poverty	NOUN
ijtc-1599	165	11	in	in	ADP
ijtc-1599	165	12	the	the	DET
ijtc-1599	165	13	research	research	NOUN
ijtc-1599	165	14	area	area	NOUN
ijtc-1599	165	15	and	and	CCONJ
ijtc-1599	165	16	cooperative	cooperative	ADJ
ijtc-1599	165	17	societies	society	NOUN
ijtc-1599	165	18	.	.	PUNCT
ijtc-1599	166	1	considering	consider	VERB
ijtc-1599	166	2	the	the	DET
ijtc-1599	166	3	findings	finding	NOUN
ijtc-1599	166	4	,	,	PUNCT
ijtc-1599	166	5	the	the	DET
ijtc-1599	166	6	researchers	researcher	NOUN
ijtc-1599	166	7	urge	urge	VERB
ijtc-1599	166	8	cooperative	cooperative	ADJ
ijtc-1599	166	9	societies	society	NOUN
ijtc-1599	166	10	to	to	PART
ijtc-1599	166	11	focus	focus	VERB
ijtc-1599	166	12	on	on	ADP
ijtc-1599	166	13	enhancing	enhance	VERB
ijtc-1599	166	14	member	member	NOUN
ijtc-1599	166	15	contributions	contribution	NOUN
ijtc-1599	166	16	,	,	PUNCT
ijtc-1599	166	17	which	which	PRON
ijtc-1599	166	18	will	will	AUX
ijtc-1599	166	19	significantly	significantly	ADV
ijtc-1599	166	20	improve	improve	VERB
ijtc-1599	166	21	the	the	DET
ijtc-1599	166	22	cooperative	cooperative	NOUN
ijtc-1599	166	23	's	's	PART
ijtc-1599	166	24	financial	financial	ADJ
ijtc-1599	166	25	standing	standing	NOUN
ijtc-1599	166	26	.	.	PUNCT
ijtc-1599	167	1	it	it	PRON
ijtc-1599	167	2	is	be	AUX
ijtc-1599	167	3	also	also	ADV
ijtc-1599	167	4	advised	advise	VERB
ijtc-1599	167	5	that	that	SCONJ
ijtc-1599	167	6	cooperative	cooperative	ADJ
ijtc-1599	167	7	societies	society	NOUN
ijtc-1599	167	8	examine	examine	VERB
ijtc-1599	167	9	and	and	CCONJ
ijtc-1599	167	10	adjust	adjust	VERB
ijtc-1599	167	11	their	their	PRON
ijtc-1599	167	12	interest	interest	NOUN
ijtc-1599	167	13	rates	rate	NOUN
ijtc-1599	167	14	to	to	PART
ijtc-1599	167	15	make	make	VERB
ijtc-1599	167	16	it	it	PRON
ijtc-1599	167	17	easier	easy	ADJ
ijtc-1599	167	18	for	for	SCONJ
ijtc-1599	167	19	their	their	PRON
ijtc-1599	167	20	members	member	NOUN
ijtc-1599	167	21	to	to	PART
ijtc-1599	167	22	make	make	VERB
ijtc-1599	167	23	repayments	repayment	NOUN
ijtc-1599	167	24	.	.	PUNCT
ijtc-1599	168	1	the	the	DET
ijtc-1599	168	2	study	study	NOUN
ijtc-1599	168	3	also	also	ADV
ijtc-1599	168	4	suggested	suggest	VERB
ijtc-1599	168	5	that	that	SCONJ
ijtc-1599	168	6	members	member	NOUN
ijtc-1599	168	7	should	should	AUX
ijtc-1599	168	8	have	have	VERB
ijtc-1599	168	9	access	access	NOUN
ijtc-1599	168	10	to	to	ADP
ijtc-1599	168	11	credit	credit	NOUN
ijtc-1599	168	12	facilities	facility	NOUN
ijtc-1599	168	13	as	as	ADV
ijtc-1599	168	14	soon	soon	ADV
ijtc-1599	168	15	as	as	SCONJ
ijtc-1599	168	16	they	they	PRON
ijtc-1599	168	17	become	become	VERB
ijtc-1599	168	18	due	due	ADJ
ijtc-1599	168	19	;	;	PUNCT
ijtc-1599	168	20	doing	do	VERB
ijtc-1599	168	21	so	so	ADV
ijtc-1599	168	22	will	will	AUX
ijtc-1599	168	23	significantly	significantly	ADV
ijtc-1599	168	24	lessen	lessen	VERB
ijtc-1599	168	25	their	their	PRON
ijtc-1599	168	26	financial	financial	ADJ
ijtc-1599	168	27	stress	stress	NOUN
ijtc-1599	168	28	.	.	PUNCT
ijtc-1599	169	1	it	it	PRON
ijtc-1599	169	2	was	be	AUX
ijtc-1599	169	3	also	also	ADV
ijtc-1599	169	4	suggested	suggest	VERB
ijtc-1599	169	5	that	that	SCONJ
ijtc-1599	169	6	members	member	NOUN
ijtc-1599	169	7	should	should	AUX
ijtc-1599	169	8	occasionally	occasionally	ADV
ijtc-1599	169	9	have	have	VERB
ijtc-1599	169	10	access	access	NOUN
ijtc-1599	169	11	to	to	ADP
ijtc-1599	169	12	technical	technical	ADJ
ijtc-1599	169	13	service	service	NOUN
ijtc-1599	169	14	supports	support	NOUN
ijtc-1599	169	15	.	.	PUNCT
ijtc-1599	170	1	nonetheless	nonetheless	ADV
ijtc-1599	170	2	,	,	PUNCT
ijtc-1599	170	3	it	it	PRON
ijtc-1599	170	4	is	be	AUX
ijtc-1599	170	5	important	important	ADJ
ijtc-1599	170	6	to	to	PART
ijtc-1599	170	7	implement	implement	VERB
ijtc-1599	170	8	legislative	legislative	ADJ
ijtc-1599	170	9	measures	measure	NOUN
ijtc-1599	170	10	to	to	PART
ijtc-1599	170	11	strengthen	strengthen	VERB
ijtc-1599	170	12	cooperative	cooperative	ADJ
ijtc-1599	170	13	societies	society	NOUN
ijtc-1599	170	14	and	and	CCONJ
ijtc-1599	170	15	lower	low	ADJ
ijtc-1599	170	16	the	the	DET
ijtc-1599	170	17	poverty	poverty	NOUN
ijtc-1599	170	18	rate	rate	NOUN
ijtc-1599	170	19	among	among	ADP
ijtc-1599	170	20	the	the	DET
ijtc-1599	170	21	people	people	NOUN
ijtc-1599	170	22	in	in	ADP
ijtc-1599	170	23	the	the	DET
ijtc-1599	170	24	research	research	NOUN
ijtc-1599	170	25	region	region	NOUN
ijtc-1599	170	26	and	and	CCONJ
ijtc-1599	170	27	throughout	throughout	ADP
ijtc-1599	170	28	nigeria	nigeria	PROPN
ijtc-1599	170	29	.	.	PUNCT
ijtc-1599	171	1	reference	reference	PROPN
ijtc-1599	171	2	abdulrazaq	abdulrazaq	PROPN
ijtc-1599	171	3	,	,	PUNCT
ijtc-1599	171	4	t.	t.	PROPN
ijtc-1599	171	5	j.	j.	PROPN
ijtc-1599	171	6	(	(	PUNCT
ijtc-1599	171	7	2021	2021	NUM
ijtc-1599	171	8	)	)	PUNCT
ijtc-1599	171	9	.	.	PUNCT
ijtc-1599	172	1	determinants	determinant	NOUN
ijtc-1599	172	2	of	of	ADP
ijtc-1599	172	3	financial	financial	ADJ
ijtc-1599	172	4	resources	resource	NOUN
ijtc-1599	172	5	mobilisation	mobilisation	NOUN
ijtc-1599	172	6	of	of	ADP
ijtc-1599	172	7	interest	interest	NOUN
ijtc-1599	172	8	-	-	PUNCT
ijtc-1599	172	9	free	free	ADJ
ijtc-1599	172	10	cooperative	cooperative	ADJ
ijtc-1599	172	11	societies	society	NOUN
ijtc-1599	172	12	in	in	ADP
ijtc-1599	172	13	ilorin	ilorin	NOUN
ijtc-1599	172	14	,	,	PUNCT
ijtc-1599	172	15	kwara	kwara	PROPN
ijtc-1599	172	16	state	state	PROPN
ijtc-1599	172	17	,	,	PUNCT
ijtc-1599	172	18	nigeria	nigeria	PROPN
ijtc-1599	172	19	.	.	PUNCT
ijtc-1599	173	1	international	international	ADJ
ijtc-1599	173	2	journal	journal	PROPN
ijtc-1599	173	3	of	of	ADP
ijtc-1599	173	4	islamic	islamic	PROPN
ijtc-1599	173	5	business	business	PROPN
ijtc-1599	173	6	&	&	CCONJ
ijtc-1599	173	7	management	management	PROPN
ijtc-1599	173	8	,	,	PUNCT
ijtc-1599	173	9	5(1	5(1	NUM
ijtc-1599	173	10	)	)	PUNCT
ijtc-1599	173	11	;	;	PUNCT
ijtc-1599	173	12	2021	2021	NUM
ijtc-1599	173	13	.	.	PUNCT
ijtc-1599	174	1	abu	abu	PROPN
ijtc-1599	174	2	,	,	PUNCT
ijtc-1599	174	3	i.	i.	PROPN
ijtc-1599	174	4	n.	n.	PROPN
ijtc-1599	174	5	&	&	CCONJ
ijtc-1599	174	6	ezike	ezike	PROPN
ijtc-1599	174	7	,	,	PUNCT
ijtc-1599	174	8	j.	j.	PROPN
ijtc-1599	174	9	e.	e.	PROPN
ijtc-1599	174	10	(	(	PUNCT
ijtc-1599	174	11	2012	2012	NUM
ijtc-1599	174	12	)	)	PUNCT
ijtc-1599	174	13	.	.	PUNCT
ijtc-1599	175	1	the	the	DET
ijtc-1599	175	2	role	role	NOUN
ijtc-1599	175	3	and	and	CCONJ
ijtc-1599	175	4	sustainability	sustainability	NOUN
ijtc-1599	175	5	of	of	ADP
ijtc-1599	175	6	microfinance	microfinance	NOUN
ijtc-1599	175	7	banks	bank	NOUN
ijtc-1599	175	8	in	in	ADP
ijtc-1599	175	9	reducing	reduce	VERB
ijtc-1599	175	10	poverty	poverty	NOUN
ijtc-1599	175	11	and	and	CCONJ
ijtc-1599	175	12	development	development	NOUN
ijtc-1599	175	13	of	of	ADP
ijtc-1599	175	14	entrepreneurship	entrepreneurship	NOUN
ijtc-1599	175	15	in	in	ADP
ijtc-1599	175	16	urban	urban	ADJ
ijtc-1599	175	17	and	and	CCONJ
ijtc-1599	175	18	rural	rural	ADJ
ijtc-1599	175	19	areas	area	NOUN
ijtc-1599	175	20	in	in	ADP
ijtc-1599	175	21	nigeria	nigeria	PROPN
ijtc-1599	175	22	.	.	PUNCT
ijtc-1599	176	1	international	international	ADJ
ijtc-1599	176	2	journal	journal	PROPN
ijtc-1599	176	3	of	of	ADP
ijtc-1599	176	4	business	business	PROPN
ijtc-1599	176	5	administration	administration	PROPN
ijtc-1599	176	6	,	,	PUNCT
ijtc-1599	176	7	7(3	7(3	NUM
ijtc-1599	176	8	)	)	PUNCT
ijtc-1599	176	9	125	125	NUM
ijtc-1599	176	10	-	-	SYM
ijtc-1599	176	11	131	131	NUM
ijtc-1599	176	12	.	.	PUNCT
ijtc-1599	177	1	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1599	177	2	micro	micro	ADJ
ijtc-1599	177	3	credit	credit	NOUN
ijtc-1599	177	4	and	and	CCONJ
ijtc-1599	177	5	poverty	poverty	NOUN
ijtc-1599	177	6	alleviation	alleviation	NOUN
ijtc-1599	177	7	in	in	ADP
ijtc-1599	177	8	nigeria	nigeria	PROPN
ijtc-1599	177	9	:	:	PUNCT
ijtc-1599	177	10	evidence	evidence	NOUN
ijtc-1599	177	11	from	from	ADP
ijtc-1599	177	12	selected	select	VERB
ijtc-1599	177	13	agribusiness	agribusiness	NOUN
ijtc-1599	177	14	cooperative	cooperative	ADJ
ijtc-1599	177	15	societies	society	NOUN
ijtc-1599	177	16	in	in	ADP
ijtc-1599	177	17	oyo	oyo	NOUN
ijtc-1599	177	18	state	state	NOUN
ijtc-1599	177	19	ibrahim	ibrahim	PROPN
ijtc-1599	177	20	,	,	PUNCT
ijtc-1599	177	21	gbadebo	gbadebo	NOUN
ijtc-1599	177	22	and	and	CCONJ
ijtc-1599	177	23	dada	dada	PROPN
ijtc-1599	177	24	790	790	NUM
ijtc-1599	177	25	|	|	ADV
ijtc-1599	177	26	ilomata	ilomata	PROPN
ijtc-1599	177	27	international	international	ADJ
ijtc-1599	177	28	journal	journal	NOUN
ijtc-1599	177	29	of	of	ADP
ijtc-1599	177	30	tax	tax	PROPN
ijtc-1599	177	31	&	&	CCONJ
ijtc-1599	177	32	accounting	accounting	PROPN
ijtc-1599	177	33	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1599	177	34	adewole	adewole	NOUN
ijtc-1599	177	35	,	,	PUNCT
ijtc-1599	177	36	j.	j.	PROPN
ijtc-1599	177	37	a.	a.	PROPN
ijtc-1599	177	38	,	,	PUNCT
ijtc-1599	177	39	omotayo	omotayo	VERB
ijtc-1599	177	40	,	,	PUNCT
ijtc-1599	177	41	v.	v.	ADP
ijtc-1599	177	42	a.	a.	NOUN
ijtc-1599	177	43	&	&	CCONJ
ijtc-1599	177	44	ojewande	ojewande	PROPN
ijtc-1599	177	45	,	,	PUNCT
ijtc-1599	177	46	a.	a.	NOUN
ijtc-1599	177	47	a.	a.	NOUN
ijtc-1599	177	48	(	(	PUNCT
ijtc-1599	177	49	2022	2022	NUM
ijtc-1599	177	50	)	)	PUNCT
ijtc-1599	177	51	.	.	PUNCT
ijtc-1599	178	1	islamic	islamic	ADJ
ijtc-1599	178	2	cooperative	cooperative	ADJ
ijtc-1599	178	3	societies	society	NOUN
ijtc-1599	178	4	and	and	CCONJ
ijtc-1599	178	5	the	the	DET
ijtc-1599	178	6	efficiency	efficiency	NOUN
ijtc-1599	178	7	of	of	ADP
ijtc-1599	178	8	financial	financial	ADJ
ijtc-1599	178	9	intermediation	intermediation	NOUN
ijtc-1599	178	10	in	in	ADP
ijtc-1599	178	11	ife	ife	PROPN
ijtc-1599	178	12	east	east	PROPN
ijtc-1599	178	13	local	local	ADJ
ijtc-1599	178	14	government	government	NOUN
ijtc-1599	178	15	,	,	PUNCT
ijtc-1599	178	16	osun	osun	PROPN
ijtc-1599	178	17	state	state	PROPN
ijtc-1599	178	18	,	,	PUNCT
ijtc-1599	178	19	nigeria	nigeria	PROPN
ijtc-1599	178	20	.	.	PUNCT
ijtc-1599	179	1	financial	financial	ADJ
ijtc-1599	179	2	markets	market	NOUN
ijtc-1599	179	3	,	,	PUNCT
ijtc-1599	179	4	institutions	institution	NOUN
ijtc-1599	179	5	and	and	CCONJ
ijtc-1599	179	6	risks	risk	NOUN
ijtc-1599	179	7	,	,	PUNCT
ijtc-1599	179	8	6(2	6(2	NUM
ijtc-1599	179	9	)	)	PUNCT
ijtc-1599	179	10	,	,	PUNCT
ijtc-1599	179	11	2022	2022	NUM
ijtc-1599	179	12	.	.	PUNCT
ijtc-1599	180	1	agbo	agbo	PROPN
ijtc-1599	180	2	,	,	PUNCT
ijtc-1599	180	3	f.	f.	PROPN
ijtc-1599	180	4	(	(	PUNCT
ijtc-1599	180	5	2019	2019	NUM
ijtc-1599	180	6	)	)	PUNCT
ijtc-1599	180	7	.	.	PUNCT
ijtc-1599	181	1	farmer	farmer	NOUN
ijtc-1599	181	2	’s	’s	PART
ijtc-1599	181	3	perception	perception	NOUN
ijtc-1599	181	4	of	of	ADP
ijtc-1599	181	5	cooperative	cooperative	ADJ
ijtc-1599	181	6	societies	society	NOUN
ijtc-1599	181	7	in	in	ADP
ijtc-1599	181	8	enugu	enugu	PROPN
ijtc-1599	181	9	state	state	PROPN
ijtc-1599	181	10	,	,	PUNCT
ijtc-1599	181	11	nigeria	nigeria	PROPN
ijtc-1599	181	12	’	'	PUNCT
ijtc-1599	181	13	agroscience	agroscience	PROPN
ijtc-1599	181	14	journal	journal	NOUN
ijtc-1599	181	15	of	of	ADP
ijtc-1599	181	16	tropical	tropical	ADJ
ijtc-1599	181	17	agriculture	agriculture	NOUN
ijtc-1599	181	18	,	,	PUNCT
ijtc-1599	181	19	food	food	NOUN
ijtc-1599	181	20	,	,	PUNCT
ijtc-1599	181	21	environment	environment	NOUN
ijtc-1599	181	22	and	and	CCONJ
ijtc-1599	181	23	extension	extension	NOUN
ijtc-1599	181	24	8(3	8(3	NUM
ijtc-1599	181	25	)	)	PUNCT
ijtc-1599	181	26	.	.	PUNCT
ijtc-1599	182	1	169	169	NUM
ijtc-1599	182	2	-	-	SYM
ijtc-1599	182	3	174	174	NUM
ijtc-1599	182	4	.	.	PUNCT
ijtc-1599	183	1	ajayi	ajayi	PROPN
ijtc-1599	183	2	,	,	PUNCT
ijtc-1599	183	3	a.	a.	NOUN
ijtc-1599	183	4	(	(	PUNCT
ijtc-1599	183	5	2022	2022	NUM
ijtc-1599	183	6	)	)	PUNCT
ijtc-1599	183	7	.	.	PUNCT
ijtc-1599	184	1	factors	factor	NOUN
ijtc-1599	184	2	militating	militate	VERB
ijtc-1599	184	3	against	against	ADP
ijtc-1599	184	4	cooperative	cooperative	ADJ
ijtc-1599	184	5	societies	society	NOUN
ijtc-1599	184	6	'	'	PART
ijtc-1599	184	7	contributions	contribution	NOUN
ijtc-1599	184	8	to	to	ADP
ijtc-1599	184	9	housing	housing	NOUN
ijtc-1599	184	10	development	development	NOUN
ijtc-1599	184	11	in	in	ADP
ijtc-1599	184	12	osogbo	osogbo	PROPN
ijtc-1599	184	13	,	,	PUNCT
ijtc-1599	184	14	nigeria	nigeria	PROPN
ijtc-1599	184	15	.	.	PUNCT
ijtc-1599	185	1	acta	acta	PROPN
ijtc-1599	185	2	structilia	structilia	PROPN
ijtc-1599	185	3	,	,	PUNCT
ijtc-1599	185	4	29(2	29(2	NUM
ijtc-1599	185	5	)	)	PUNCT
ijtc-1599	185	6	,	,	PUNCT
ijtc-1599	185	7	58	58	NUM
ijtc-1599	185	8	-	-	SYM
ijtc-1599	185	9	82	82	NUM
ijtc-1599	185	10	.	.	PUNCT
ijtc-1599	186	1	https://dx.doi.org/10.18820/24150487/as29i2.3	https://dx.doi.org/10.18820/24150487/as29i2.3	PROPN
ijtc-1599	186	2	.	.	PROPN
ijtc-1599	186	3	akande	akande	PROPN
ijtc-1599	186	4	,	,	PUNCT
ijtc-1599	186	5	o.	o.	PROPN
ijtc-1599	186	6	o.	o.	PROPN
ijtc-1599	186	7	(	(	PUNCT
ijtc-1599	186	8	2012	2012	NUM
ijtc-1599	186	9	)	)	PUNCT
ijtc-1599	186	10	.	.	PUNCT
ijtc-1599	187	1	performance	performance	NOUN
ijtc-1599	187	2	analysis	analysis	NOUN
ijtc-1599	187	3	of	of	ADP
ijtc-1599	187	4	micro	micro	ADJ
ijtc-1599	187	5	-	-	NOUN
ijtc-1599	187	6	finance	finance	ADJ
ijtc-1599	187	7	banks	bank	NOUN
ijtc-1599	187	8	on	on	ADP
ijtc-1599	187	9	women	woman	NOUN
ijtc-1599	187	10	entrepreneurs	entrepreneur	NOUN
ijtc-1599	187	11	in	in	ADP
ijtc-1599	187	12	oyo	oyo	NOUN
ijtc-1599	187	13	state	state	NOUN
ijtc-1599	187	14	,	,	PUNCT
ijtc-1599	187	15	nigeria	nigeria	PROPN
ijtc-1599	187	16	.	.	PUNCT
ijtc-1599	188	1	research	research	NOUN
ijtc-1599	188	2	journal	journal	PROPN
ijtc-1599	188	3	in	in	ADP
ijtc-1599	188	4	organizational	organizational	ADJ
ijtc-1599	188	5	psychology	psychology	NOUN
ijtc-1599	188	6	&	&	CCONJ
ijtc-1599	188	7	educational	educational	ADJ
ijtc-1599	188	8	studies	study	NOUN
ijtc-1599	188	9	1(3	1(3	NUM
ijtc-1599	188	10	)	)	PUNCT
ijtc-1599	188	11	168	168	NUM
ijtc-1599	188	12	-	-	SYM
ijtc-1599	188	13	173	173	NUM
ijtc-1599	188	14	.	.	PUNCT
ijtc-1599	189	1	al	al	PROPN
ijtc-1599	189	2	-	-	PUNCT
ijtc-1599	189	3	khazali	khazali	PROPN
ijtc-1599	189	4	,	,	PUNCT
ijtc-1599	189	5	a.	a.	PROPN
ijtc-1599	189	6	s.	s.	PROPN
ijtc-1599	189	7	k.	k.	PROPN
ijtc-1599	189	8	(	(	PUNCT
ijtc-1599	189	9	2011	2011	NUM
ijtc-1599	189	10	)	)	PUNCT
ijtc-1599	189	11	.	.	PUNCT
ijtc-1599	190	1	the	the	DET
ijtc-1599	190	2	role	role	NOUN
ijtc-1599	190	3	of	of	ADP
ijtc-1599	190	4	the	the	DET
ijtc-1599	190	5	jordanian	jordanian	ADJ
ijtc-1599	190	6	commercial	commercial	ADJ
ijtc-1599	190	7	banks	bank	NOUN
ijtc-1599	190	8	in	in	ADP
ijtc-1599	190	9	financing	finance	VERB
ijtc-1599	190	10	smallscale	smallscale	NOUN
ijtc-1599	190	11	projects	project	NOUN
ijtc-1599	190	12	.	.	PUNCT
ijtc-1599	191	1	department	department	NOUN
ijtc-1599	191	2	of	of	ADP
ijtc-1599	191	3	banking	banking	NOUN
ijtc-1599	191	4	and	and	CCONJ
ijtc-1599	191	5	finance	finance	NOUN
ijtc-1599	191	6	,	,	PUNCT
ijtc-1599	191	7	faculty	faculty	NOUN
ijtc-1599	191	8	of	of	ADP
ijtc-1599	191	9	finance	finance	NOUN
ijtc-1599	191	10	and	and	CCONJ
ijtc-1599	191	11	business	business	NOUN
ijtc-1599	191	12	administration	administration	PROPN
ijtc-1599	191	13	al	al	PROPN
ijtc-1599	191	14	al	al	PROPN
ijtc-1599	191	15	-	-	PUNCT
ijtc-1599	191	16	bayt	bayt	ADJ
ijtc-1599	191	17	university	university	NOUN
ijtc-1599	191	18	,	,	PUNCT
ijtc-1599	191	19	almafraq	almafraq	PROPN
ijtc-1599	191	20	,	,	PUNCT
ijtc-1599	191	21	jordan	jordan	PROPN
ijtc-1599	191	22	.	.	PUNCT
ijtc-1599	192	1	ayopo	ayopo	PROPN
ijtc-1599	192	2	,	,	PUNCT
ijtc-1599	192	3	b.	b.	PROPN
ijtc-1599	192	4	a.	a.	PROPN
ijtc-1599	192	5	(	(	PUNCT
ijtc-1599	192	6	2011	2011	NUM
ijtc-1599	192	7	)	)	PUNCT
ijtc-1599	192	8	.	.	PUNCT
ijtc-1599	193	1	effects	effect	NOUN
ijtc-1599	193	2	of	of	ADP
ijtc-1599	193	3	microfinancing	microfinance	VERB
ijtc-1599	193	4	on	on	ADP
ijtc-1599	193	5	micro	micro	ADJ
ijtc-1599	193	6	and	and	CCONJ
ijtc-1599	193	7	small	small	ADJ
ijtc-1599	193	8	enterprises	enterprise	NOUN
ijtc-1599	193	9	(	(	PUNCT
ijtc-1599	193	10	mses	ms	NOUN
ijtc-1599	193	11	)	)	PUNCT
ijtc-1599	193	12	in	in	ADP
ijtc-1599	193	13	southwest	southwest	PROPN
ijtc-1599	193	14	nigeria	nigeria	PROPN
ijtc-1599	193	15	.	.	PUNCT
ijtc-1599	194	1	an	an	DET
ijtc-1599	194	2	unpublished	unpublished	ADJ
ijtc-1599	194	3	ph.d	ph.d	ADJ
ijtc-1599	194	4	thesis	thesis	NOUN
ijtc-1599	194	5	of	of	ADP
ijtc-1599	194	6	the	the	DET
ijtc-1599	194	7	department	department	NOUN
ijtc-1599	194	8	of	of	ADP
ijtc-1599	194	9	banking	banking	PROPN
ijtc-1599	194	10	&	&	CCONJ
ijtc-1599	194	11	finance	finance	PROPN
ijtc-1599	194	12	,	,	PUNCT
ijtc-1599	194	13	college	college	NOUN
ijtc-1599	194	14	of	of	ADP
ijtc-1599	194	15	development	development	NOUN
ijtc-1599	194	16	studies	study	NOUN
ijtc-1599	194	17	,	,	PUNCT
ijtc-1599	194	18	covenant	covenant	ADJ
ijtc-1599	194	19	university	university	PROPN
ijtc-1599	194	20	,	,	PUNCT
ijtc-1599	194	21	ota	ota	PROPN
ijtc-1599	194	22	,	,	PUNCT
ijtc-1599	194	23	nigeria	nigeria	PROPN
ijtc-1599	194	24	.	.	PUNCT
ijtc-1599	195	1	birchall	birchall	PROPN
ijtc-1599	195	2	,	,	PUNCT
ijtc-1599	195	3	j.	j.	PROPN
ijtc-1599	195	4	&	&	CCONJ
ijtc-1599	195	5	hammond	hammond	PROPN
ijtc-1599	195	6	,	,	PUNCT
ijtc-1599	195	7	k.	k.	PROPN
ijtc-1599	195	8	(	(	PUNCT
ijtc-1599	195	9	2019	2019	NUM
ijtc-1599	195	10	)	)	PUNCT
ijtc-1599	195	11	.	.	PUNCT
ijtc-1599	196	1	the	the	DET
ijtc-1599	196	2	resilience	resilience	NOUN
ijtc-1599	196	3	of	of	ADP
ijtc-1599	196	4	the	the	DET
ijtc-1599	196	5	co	co	ADJ
ijtc-1599	196	6	-	-	ADJ
ijtc-1599	196	7	operative	operative	ADJ
ijtc-1599	196	8	business	business	NOUN
ijtc-1599	196	9	model	model	NOUN
ijtc-1599	196	10	in	in	ADP
ijtc-1599	196	11	times	time	NOUN
ijtc-1599	196	12	of	of	ADP
ijtc-1599	196	13	crisis	crisis	NOUN
ijtc-1599	196	14	.	.	PUNCT
ijtc-1599	197	1	international	international	ADJ
ijtc-1599	197	2	labour	labour	PROPN
ijtc-1599	197	3	office	office	NOUN
ijtc-1599	197	4	,	,	PUNCT
ijtc-1599	197	5	sustainable	sustainable	ADJ
ijtc-1599	197	6	enterprise	enterprise	NOUN
ijtc-1599	197	7	programme	programme	NOUN
ijtc-1599	197	8	,	,	PUNCT
ijtc-1599	197	9	international	international	ADJ
ijtc-1599	197	10	labour	labour	NOUN
ijtc-1599	197	11	organisation	organisation	NOUN
ijtc-1599	197	12	,	,	PUNCT
ijtc-1599	197	13	geneva	geneva	PROPN
ijtc-1599	197	14	.	.	PUNCT
ijtc-1599	197	15	brune	brune	PROPN
ijtc-1599	197	16	,	,	PUNCT
ijtc-1599	197	17	a.	a.	NOUN
ijtc-1599	197	18	(	(	PUNCT
ijtc-1599	197	19	2009	2009	NUM
ijtc-1599	197	20	)	)	PUNCT
ijtc-1599	197	21	.	.	PUNCT
ijtc-1599	198	1	an	an	DET
ijtc-1599	198	2	empirical	empirical	ADJ
ijtc-1599	198	3	study	study	NOUN
ijtc-1599	198	4	on	on	ADP
ijtc-1599	198	5	the	the	DET
ijtc-1599	198	6	impact	impact	NOUN
ijtc-1599	198	7	of	of	ADP
ijtc-1599	198	8	micro	micro	ADJ
ijtc-1599	198	9	-	-	ADJ
ijtc-1599	198	10	finance	finance	ADJ
ijtc-1599	198	11	institutions	institution	NOUN
ijtc-1599	198	12	on	on	ADP
ijtc-1599	198	13	development	development	NOUN
ijtc-1599	198	14	.	.	PUNCT
ijtc-1599	199	1	an	an	DET
ijtc-1599	199	2	unpublished	unpublished	ADJ
ijtc-1599	199	3	bachelor	bachelor	NOUN
ijtc-1599	199	4	of	of	ADP
ijtc-1599	199	5	arts	art	NOUN
ijtc-1599	199	6	thesis	thesis	NOUN
ijtc-1599	199	7	of	of	ADP
ijtc-1599	199	8	the	the	DET
ijtc-1599	199	9	institute	institute	NOUN
ijtc-1599	199	10	for	for	ADP
ijtc-1599	199	11	empirical	empirical	ADJ
ijtc-1599	199	12	research	research	NOUN
ijtc-1599	199	13	in	in	ADP
ijtc-1599	199	14	economics	economic	NOUN
ijtc-1599	199	15	(	(	PUNCT
ijtc-1599	199	16	iew	iew	PROPN
ijtc-1599	199	17	)	)	PUNCT
ijtc-1599	199	18	at	at	ADP
ijtc-1599	199	19	the	the	DET
ijtc-1599	199	20	university	university	NOUN
ijtc-1599	199	21	of	of	ADP
ijtc-1599	199	22	zurich	zurich	PROPN
ijtc-1599	199	23	.	.	PUNCT
ijtc-1599	200	1	cbn	cbn	PROPN
ijtc-1599	200	2	(	(	PUNCT
ijtc-1599	200	3	2005	2005	NUM
ijtc-1599	200	4	)	)	PUNCT
ijtc-1599	200	5	.	.	PUNCT
ijtc-1599	201	1	microfinance	microfinance	NOUN
ijtc-1599	201	2	policy	policy	NOUN
ijtc-1599	201	3	,	,	PUNCT
ijtc-1599	201	4	regulatory	regulatory	ADJ
ijtc-1599	201	5	and	and	CCONJ
ijtc-1599	201	6	supervisory	supervisory	ADJ
ijtc-1599	201	7	framework	framework	NOUN
ijtc-1599	201	8	for	for	ADP
ijtc-1599	201	9	nigeria	nigeria	PROPN
ijtc-1599	201	10	.	.	PUNCT
ijtc-1599	202	1	published	publish	VERB
ijtc-1599	202	2	by	by	ADP
ijtc-1599	202	3	cbn	cbn	PROPN
ijtc-1599	202	4	.	.	PUNCT
ijtc-1599	203	1	chaston	chaston	PROPN
ijtc-1599	203	2	,	,	PUNCT
ijtc-1599	203	3	i.	i.	PROPN
ijtc-1599	203	4	&	&	CCONJ
ijtc-1599	203	5	mangles	mangles	PROPN
ijtc-1599	203	6	,	,	PUNCT
ijtc-1599	203	7	t.	t.	PROPN
ijtc-1599	203	8	(	(	PUNCT
ijtc-1599	203	9	1997	1997	NUM
ijtc-1599	203	10	)	)	PUNCT
ijtc-1599	203	11	core	core	NOUN
ijtc-1599	203	12	capabilities	capability	NOUN
ijtc-1599	203	13	as	as	ADP
ijtc-1599	203	14	predictors	predictor	NOUN
ijtc-1599	203	15	of	of	ADP
ijtc-1599	203	16	growth	growth	NOUN
ijtc-1599	203	17	potential	potential	NOUN
ijtc-1599	203	18	in	in	ADP
ijtc-1599	203	19	small	small	ADJ
ijtc-1599	203	20	manufacturing	manufacturing	NOUN
ijtc-1599	203	21	firms	firm	NOUN
ijtc-1599	203	22	,	,	PUNCT
ijtc-1599	203	23	journal	journal	NOUN
ijtc-1599	203	24	of	of	ADP
ijtc-1599	203	25	small	small	ADJ
ijtc-1599	203	26	business	business	NOUN
ijtc-1599	203	27	management	management	NOUN
ijtc-1599	203	28	,	,	PUNCT
ijtc-1599	203	29	35	35	NUM
ijtc-1599	203	30	,	,	PUNCT
ijtc-1599	203	31	(	(	PUNCT
ijtc-1599	203	32	1	1	X
ijtc-1599	203	33	)	)	PUNCT
ijtc-1599	203	34	47	47	NUM
ijtc-1599	203	35	–	–	PUNCT
ijtc-1599	203	36	57	57	NUM
ijtc-1599	203	37	.	.	PUNCT
ijtc-1599	204	1	christian	christian	PROPN
ijtc-1599	204	2	,	,	PUNCT
ijtc-1599	204	3	l.n	l.n	PROPN
ijtc-1599	204	4	.	.	PROPN
ijtc-1599	204	5	(	(	PUNCT
ijtc-1599	204	6	2016	2016	NUM
ijtc-1599	204	7	)	)	PUNCT
ijtc-1599	204	8	.	.	PUNCT
ijtc-1599	205	1	financial	financial	ADJ
ijtc-1599	205	2	deepening	deepening	NOUN
ijtc-1599	205	3	dynamics	dynamic	NOUN
ijtc-1599	205	4	and	and	CCONJ
ijtc-1599	205	5	implication	implication	NOUN
ijtc-1599	205	6	for	for	ADP
ijtc-1599	205	7	financial	financial	ADJ
ijtc-1599	205	8	policy	policy	NOUN
ijtc-1599	205	9	coordination	coordination	NOUN
ijtc-1599	205	10	in	in	ADP
ijtc-1599	205	11	a	a	DET
ijtc-1599	205	12	monetary	monetary	ADJ
ijtc-1599	205	13	union	union	NOUN
ijtc-1599	205	14	:	:	PUNCT
ijtc-1599	205	15	the	the	DET
ijtc-1599	205	16	case	case	NOUN
ijtc-1599	205	17	of	of	ADP
ijtc-1599	205	18	waemu	waemu	NOUN
ijtc-1599	205	19	.	.	PUNCT
ijtc-1599	206	1	african	african	ADJ
ijtc-1599	206	2	economic	economic	ADJ
ijtc-1599	206	3	conference	conference	PROPN
ijtc-1599	206	4	2013	2013	NUM
ijtc-1599	206	5	johannesburg	johannesburg	PROPN
ijtc-1599	206	6	.	.	PUNCT
ijtc-1599	207	1	davidsson	davidsson	PROPN
ijtc-1599	207	2	,	,	PUNCT
ijtc-1599	207	3	p.	p.	PROPN
ijtc-1599	207	4	,	,	PUNCT
ijtc-1599	207	5	kirchhoff	kirchhoff	PROPN
ijtc-1599	207	6	,	,	PUNCT
ijtc-1599	207	7	b.	b.	PROPN
ijtc-1599	207	8	,	,	PUNCT
ijtc-1599	207	9	hatemij	hatemij	PROPN
ijtc-1599	207	10	,	,	PUNCT
ijtc-1599	207	11	a	a	PRON
ijtc-1599	207	12	&	&	CCONJ
ijtc-1599	207	13	gustavsson	gustavsson	PROPN
ijtc-1599	207	14	,	,	PUNCT
ijtc-1599	207	15	h.	h.	PROPN
ijtc-1599	207	16	(	(	PUNCT
ijtc-1599	207	17	2002	2002	NUM
ijtc-1599	207	18	)	)	PUNCT
ijtc-1599	207	19	empirical	empirical	ADJ
ijtc-1599	207	20	analysis	analysis	NOUN
ijtc-1599	207	21	of	of	ADP
ijtc-1599	207	22	business	business	NOUN
ijtc-1599	207	23	growth	growth	NOUN
ijtc-1599	207	24	factors	factor	NOUN
ijtc-1599	207	25	using	use	VERB
ijtc-1599	207	26	swedish	swedish	ADJ
ijtc-1599	207	27	data	data	PROPN
ijtc-1599	207	28	,	,	PUNCT
ijtc-1599	207	29	journal	journal	NOUN
ijtc-1599	207	30	of	of	ADP
ijtc-1599	207	31	small	small	ADJ
ijtc-1599	207	32	business	business	NOUN
ijtc-1599	207	33	management	management	NOUN
ijtc-1599	207	34	,	,	PUNCT
ijtc-1599	207	35	40(2	40(2	NUM
ijtc-1599	207	36	)	)	PUNCT
ijtc-1599	207	37	,	,	PUNCT
ijtc-1599	207	38	332	332	NUM
ijtc-1599	207	39	-	-	SYM
ijtc-1599	207	40	349	349	NUM
ijtc-1599	207	41	.	.	PUNCT
ijtc-1599	208	1	dogarawa	dogarawa	PROPN
ijtc-1599	208	2	,	,	PUNCT
ijtc-1599	208	3	a.	a.	PROPN
ijtc-1599	208	4	b.	b.	PROPN
ijtc-1599	208	5	(	(	PUNCT
ijtc-1599	208	6	2015	2015	NUM
ijtc-1599	208	7	)	)	PUNCT
ijtc-1599	208	8	.	.	PUNCT
ijtc-1599	209	1	the	the	DET
ijtc-1599	209	2	role	role	NOUN
ijtc-1599	209	3	of	of	ADP
ijtc-1599	209	4	cooperative	cooperative	ADJ
ijtc-1599	209	5	societies	society	NOUN
ijtc-1599	209	6	in	in	ADP
ijtc-1599	209	7	economic	economic	ADJ
ijtc-1599	209	8	development	development	NOUN
ijtc-1599	209	9	.	.	PUNCT
ijtc-1599	210	1	munich	munich	PROPN
ijtc-1599	210	2	personal	personal	PROPN
ijtc-1599	210	3	repec	repec	PROPN
ijtc-1599	210	4	archive	archive	PROPN
ijtc-1599	210	5	,	,	PUNCT
ijtc-1599	210	6	paper	paper	NOUN
ijtc-1599	210	7	no	no	NOUN
ijtc-1599	210	8	.	.	PROPN
ijtc-1599	210	9	23161	23161	NUM
ijtc-1599	210	10	.	.	PUNCT
ijtc-1599	211	1	edafiaje	edafiaje	NOUN
ijtc-1599	211	2	,	,	PUNCT
ijtc-1599	211	3	a.	a.	PROPN
ijtc-1599	211	4	l.	l.	PROPN
ijtc-1599	211	5	(	(	PUNCT
ijtc-1599	211	6	2011	2011	NUM
ijtc-1599	211	7	)	)	PUNCT
ijtc-1599	211	8	.	.	PUNCT
ijtc-1599	212	1	impact	impact	NOUN
ijtc-1599	212	2	assessment	assessment	NOUN
ijtc-1599	212	3	of	of	ADP
ijtc-1599	212	4	the	the	DET
ijtc-1599	212	5	role	role	NOUN
ijtc-1599	212	6	of	of	ADP
ijtc-1599	212	7	microfinance	microfinance	NOUN
ijtc-1599	212	8	banks	bank	NOUN
ijtc-1599	212	9	in	in	ADP
ijtc-1599	212	10	financing	finance	VERB
ijtc-1599	212	11	small	small	ADJ
ijtc-1599	212	12	scale	scale	NOUN
ijtc-1599	212	13	enterprises	enterprise	NOUN
ijtc-1599	212	14	in	in	ADP
ijtc-1599	212	15	delta	delta	PROPN
ijtc-1599	212	16	state	state	PROPN
ijtc-1599	212	17	,	,	PUNCT
ijtc-1599	212	18	nigeria	nigeria	PROPN
ijtc-1599	212	19	.	.	PUNCT
ijtc-1599	213	1	international	international	ADJ
ijtc-1599	213	2	journal	journal	PROPN
ijtc-1599	213	3	of	of	ADP
ijtc-1599	213	4	economic	economic	ADJ
ijtc-1599	213	5	development	development	NOUN
ijtc-1599	213	6	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1599	213	7	https://dx.doi.org/10.18820/24150487/as29i2.3	https://dx.doi.org/10.18820/24150487/as29i2.3	PROPN
ijtc-1599	213	8	micro	micro	PROPN
ijtc-1599	213	9	credit	credit	NOUN
ijtc-1599	213	10	and	and	CCONJ
ijtc-1599	213	11	poverty	poverty	NOUN
ijtc-1599	213	12	alleviation	alleviation	NOUN
ijtc-1599	213	13	in	in	ADP
ijtc-1599	213	14	nigeria	nigeria	PROPN
ijtc-1599	213	15	:	:	PUNCT
ijtc-1599	213	16	evidence	evidence	NOUN
ijtc-1599	213	17	from	from	ADP
ijtc-1599	213	18	selected	select	VERB
ijtc-1599	213	19	agribusiness	agribusiness	NOUN
ijtc-1599	213	20	cooperative	cooperative	ADJ
ijtc-1599	213	21	societies	society	NOUN
ijtc-1599	213	22	in	in	ADP
ijtc-1599	213	23	oyo	oyo	NOUN
ijtc-1599	213	24	state	state	NOUN
ijtc-1599	213	25	ibrahim	ibrahim	PROPN
ijtc-1599	213	26	,	,	PUNCT
ijtc-1599	213	27	gbadebo	gbadebo	NOUN
ijtc-1599	213	28	and	and	CCONJ
ijtc-1599	213	29	dada	dada	PROPN
ijtc-1599	213	30	791	791	NUM
ijtc-1599	214	1	|	|	ADV
ijtc-1599	214	2	ilomata	ilomata	PROPN
ijtc-1599	214	3	international	international	ADJ
ijtc-1599	214	4	journal	journal	NOUN
ijtc-1599	214	5	of	of	ADP
ijtc-1599	214	6	tax	tax	PROPN
ijtc-1599	214	7	&	&	CCONJ
ijtc-1599	214	8	accounting	account	VERB
ijtc-1599	214	9	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1599	214	10	epetimehin	epetimehin	NOUN
ijtc-1599	214	11	,	,	PUNCT
ijtc-1599	214	12	f.	f.	PROPN
ijtc-1599	214	13	(	(	PUNCT
ijtc-1599	214	14	2016	2016	NUM
ijtc-1599	214	15	)	)	PUNCT
ijtc-1599	214	16	.	.	PUNCT
ijtc-1599	215	1	understanding	understand	VERB
ijtc-1599	215	2	the	the	DET
ijtc-1599	215	3	dynamics	dynamic	NOUN
ijtc-1599	215	4	of	of	ADP
ijtc-1599	215	5	cooperatives	cooperative	NOUN
ijtc-1599	215	6	.	.	PUNCT
ijtc-1599	216	1	icreti	icreti	PROPN
ijtc-1599	216	2	publishing	publish	VERB
ijtc-1599	216	3	house	house	PROPN
ijtc-1599	216	4	,	,	PUNCT
ijtc-1599	216	5	ibadan	ibadan	PROPN
ijtc-1599	216	6	,	,	PUNCT
ijtc-1599	216	7	nigeria	nigeria	PROPN
ijtc-1599	216	8	conference	conference	PROPN
ijtc-1599	216	9	for	for	ADP
ijtc-1599	216	10	cooperative	cooperative	ADJ
ijtc-1599	216	11	leaders	leader	NOUN
ijtc-1599	216	12	and	and	CCONJ
ijtc-1599	216	13	members	member	NOUN
ijtc-1599	216	14	organized	organize	VERB
ijtc-1599	216	15	by	by	ADP
ijtc-1599	216	16	the	the	DET
ijtc-1599	216	17	cooperative	cooperative	PROPN
ijtc-1599	216	18	federation	federation	PROPN
ijtc-1599	216	19	of	of	ADP
ijtc-1599	216	20	nigeria	nigeria	PROPN
ijtc-1599	216	21	southwest	southwest	PROPN
ijtc-1599	216	22	zone	zone	PROPN
ijtc-1599	216	23	.	.	PUNCT
ijtc-1599	217	1	hamilton	hamilton	PROPN
ijtc-1599	217	2	,	,	PUNCT
ijtc-1599	217	3	k.	k.	PROPN
ijtc-1599	217	4	&	&	CCONJ
ijtc-1599	217	5	godwin	godwin	PROPN
ijtc-1599	217	6	,	,	PUNCT
ijtc-1599	217	7	i.	i.	PROPN
ijtc-1599	217	8	(	(	PUNCT
ijtc-1599	217	9	2016	2016	NUM
ijtc-1599	217	10	)	)	PUNCT
ijtc-1599	217	11	.	.	PUNCT
ijtc-1599	218	1	financial	financial	ADJ
ijtc-1599	218	2	deepening	deepening	NOUN
ijtc-1599	218	3	and	and	CCONJ
ijtc-1599	218	4	economic	economic	ADJ
ijtc-1599	218	5	growth	growth	NOUN
ijtc-1599	218	6	:	:	PUNCT
ijtc-1599	218	7	a	a	DET
ijtc-1599	218	8	cross	cross	ADJ
ijtc-1599	218	9	-	-	ADJ
ijtc-1599	218	10	section	section	ADJ
ijtc-1599	218	11	analysis	analysis	NOUN
ijtc-1599	218	12	.	.	PUNCT
ijtc-1599	219	1	the	the	DET
ijtc-1599	219	2	malayan	malayan	PROPN
ijtc-1599	219	3	economic	economic	PROPN
ijtc-1599	219	4	review	review	PROPN
ijtc-1599	219	5	,	,	PUNCT
ijtc-1599	219	6	21(1	21(1	NUM
ijtc-1599	219	7	):	):	PUNCT
ijtc-1599	219	8	47	47	NUM
ijtc-1599	219	9	-	-	SYM
ijtc-1599	219	10	58	58	NUM
ijtc-1599	219	11	idowu	idowu	NOUN
ijtc-1599	219	12	,	,	PUNCT
ijtc-1599	219	13	a.	a.	NOUN
ijtc-1599	219	14	o.	o.	PROPN
ijtc-1599	219	15	,	,	PUNCT
ijtc-1599	219	16	ambali	ambali	ADJ
ijtc-1599	219	17	,	,	PUNCT
ijtc-1599	219	18	o.	o.	PROPN
ijtc-1599	219	19	i.	i.	PROPN
ijtc-1599	219	20	and	and	CCONJ
ijtc-1599	219	21	otunaiya	otunaiya	NOUN
ijtc-1599	219	22	,	,	PUNCT
ijtc-1599	219	23	a.	a.	NOUN
ijtc-1599	219	24	o.	o.	PROPN
ijtc-1599	219	25	(	(	PUNCT
ijtc-1599	219	26	2008	2008	NUM
ijtc-1599	219	27	)	)	PUNCT
ijtc-1599	219	28	.	.	PUNCT
ijtc-1599	220	1	microfinance	microfinance	NOUN
ijtc-1599	220	2	and	and	CCONJ
ijtc-1599	220	3	small	small	ADJ
ijtc-1599	220	4	scale	scale	NOUN
ijtc-1599	220	5	pig	pig	NOUN
ijtc-1599	220	6	business	business	NOUN
ijtc-1599	220	7	in	in	ADP
ijtc-1599	220	8	osun	osun	PROPN
ijtc-1599	220	9	state	state	PROPN
ijtc-1599	220	10	,	,	PUNCT
ijtc-1599	220	11	nigeria	nigeria	PROPN
ijtc-1599	220	12	.	.	PUNCT
ijtc-1599	221	1	asian	asian	ADJ
ijtc-1599	221	2	journal	journal	PROPN
ijtc-1599	221	3	of	of	ADP
ijtc-1599	221	4	business	business	NOUN
ijtc-1599	221	5	and	and	CCONJ
ijtc-1599	221	6	management	management	NOUN
ijtc-1599	221	7	sciences	science	NOUN
ijtc-1599	221	8	.	.	PUNCT
ijtc-1599	222	1	1(3	1(3	NUM
ijtc-1599	222	2	)	)	PUNCT
ijtc-1599	222	3	168	168	NUM
ijtc-1599	222	4	-	-	SYM
ijtc-1599	222	5	173	173	NUM
ijtc-1599	222	6	.	.	PUNCT
ijtc-1599	223	1	ijaiya	ijaiya	PROPN
ijtc-1599	223	2	,	,	PUNCT
ijtc-1599	223	3	m.	m.	NOUN
ijtc-1599	223	4	a.	a.	PROPN
ijtc-1599	223	5	,	,	PUNCT
ijtc-1599	223	6	lawal	lawal	PROPN
ijtc-1599	223	7	,	,	PUNCT
ijtc-1599	223	8	w.	w.	PROPN
ijtc-1599	223	9	a.	a.	PROPN
ijtc-1599	223	10	and	and	CCONJ
ijtc-1599	223	11	osemene	osemene	NOUN
ijtc-1599	223	12	,	,	PUNCT
ijtc-1599	223	13	o.	o.	PROPN
ijtc-1599	223	14	f.	f.	PROPN
ijtc-1599	223	15	(	(	PUNCT
ijtc-1599	223	16	2012	2012	NUM
ijtc-1599	223	17	)	)	PUNCT
ijtc-1599	223	18	.	.	PUNCT
ijtc-1599	224	1	microfinance	microfinance	NOUN
ijtc-1599	224	2	and	and	CCONJ
ijtc-1599	224	3	mortgage	mortgage	NOUN
ijtc-1599	224	4	financing	financing	NOUN
ijtc-1599	224	5	in	in	ADP
ijtc-1599	224	6	nigeria	nigeria	PROPN
ijtc-1599	224	7	:	:	PUNCT
ijtc-1599	224	8	a	a	DET
ijtc-1599	224	9	rural	rural	ADJ
ijtc-1599	224	10	experience	experience	NOUN
ijtc-1599	224	11	.	.	PUNCT
ijtc-1599	225	1	international	international	ADJ
ijtc-1599	225	2	journal	journal	PROPN
ijtc-1599	225	3	of	of	ADP
ijtc-1599	225	4	economics	economic	NOUN
ijtc-1599	225	5	and	and	CCONJ
ijtc-1599	225	6	management	management	NOUN
ijtc-1599	225	7	sciences	science	NOUN
ijtc-1599	225	8	,	,	PUNCT
ijtc-1599	225	9	1	1	NUM
ijtc-1599	225	10	(	(	PUNCT
ijtc-1599	225	11	10	10	NUM
ijtc-1599	225	12	)	)	PUNCT
ijtc-1599	225	13	,	,	PUNCT
ijtc-1599	225	14	39	39	NUM
ijtc-1599	225	15	-	-	SYM
ijtc-1599	225	16	44	44	NUM
ijtc-1599	225	17	.	.	PUNCT
ijtc-1599	226	1	institutions	institution	NOUN
ijtc-1599	226	2	(	(	PUNCT
ijtc-1599	226	3	mfis	mfis	PROPN
ijtc-1599	226	4	)	)	PUNCT
ijtc-1599	226	5	to	to	ADP
ijtc-1599	226	6	sustainable	sustainable	ADJ
ijtc-1599	226	7	growth	growth	NOUN
ijtc-1599	226	8	of	of	ADP
ijtc-1599	226	9	small	small	ADJ
ijtc-1599	226	10	and	and	CCONJ
ijtc-1599	226	11	medium	medium	ADJ
ijtc-1599	226	12	scale	scale	NOUN
ijtc-1599	226	13	enterprises	enterprise	NOUN
ijtc-1599	226	14	(	(	PUNCT
ijtc-1599	226	15	smes	sme	NOUN
ijtc-1599	226	16	)	)	PUNCT
ijtc-1599	226	17	in	in	ADP
ijtc-1599	226	18	nigeria	nigeria	PROPN
ijtc-1599	226	19	.	.	PUNCT
ijtc-1599	227	1	interdisciplinary	interdisciplinary	ADJ
ijtc-1599	227	2	journal	journal	PROPN
ijtc-1599	227	3	of	of	ADP
ijtc-1599	227	4	contemporary	contemporary	ADJ
ijtc-1599	227	5	research	research	NOUN
ijtc-1599	227	6	in	in	ADP
ijtc-1599	227	7	business	business	NOUN
ijtc-1599	227	8	3(9	3(9	NUM
ijtc-1599	227	9	)	)	PUNCT
ijtc-1599	227	10	,	,	PUNCT
ijtc-1599	227	11	201	201	NUM
ijtc-1599	227	12	-	-	SYM
ijtc-1599	227	13	209	209	NUM
ijtc-1599	227	14	kobla	kobla	NOUN
ijtc-1599	227	15	,	,	PUNCT
ijtc-1599	227	16	a.	a.	PROPN
ijtc-1599	227	17	s.	s.	PROPN
ijtc-1599	227	18	(	(	PUNCT
ijtc-1599	227	19	2009	2009	NUM
ijtc-1599	227	20	)	)	PUNCT
ijtc-1599	227	21	.	.	PUNCT
ijtc-1599	228	1	financing	financing	NOUN
ijtc-1599	228	2	of	of	ADP
ijtc-1599	228	3	small	small	ADJ
ijtc-1599	228	4	scale	scale	NOUN
ijtc-1599	228	5	enterprises	enterprise	NOUN
ijtc-1599	228	6	the	the	DET
ijtc-1599	228	7	role	role	NOUN
ijtc-1599	228	8	of	of	ADP
ijtc-1599	228	9	microfinance	microfinance	NOUN
ijtc-1599	228	10	in	in	ADP
ijtc-1599	228	11	south	south	PROPN
ijtc-1599	228	12	tongu	tongu	PROPN
ijtc-1599	228	13	district	district	PROPN
ijtc-1599	228	14	.	.	PUNCT
ijtc-1599	229	1	an	an	DET
ijtc-1599	229	2	unpublished	unpublished	ADJ
ijtc-1599	229	3	commonwealth	commonwealth	NOUN
ijtc-1599	229	4	executive	executive	NOUN
ijtc-1599	229	5	master	master	PROPN
ijtc-1599	229	6	of	of	ADP
ijtc-1599	229	7	business	business	PROPN
ijtc-1599	229	8	administration	administration	NOUN
ijtc-1599	229	9	thesis	thesis	NOUN
ijtc-1599	229	10	of	of	ADP
ijtc-1599	229	11	the	the	DET
ijtc-1599	229	12	institute	institute	NOUN
ijtc-1599	229	13	of	of	ADP
ijtc-1599	229	14	distance	distance	PROPN
ijtc-1599	229	15	learning	learning	NOUN
ijtc-1599	229	16	,	,	PUNCT
ijtc-1599	229	17	kwame	kwame	PROPN
ijtc-1599	229	18	nkrumah	nkrumah	PROPN
ijtc-1599	229	19	uni	uni	PROPN
ijtc-1599	229	20	.	.	PROPN
ijtc-1599	229	21	of	of	ADP
ijtc-1599	229	22	sci	sci	PROPN
ijtc-1599	229	23	&	&	CCONJ
ijtc-1599	229	24	tech	tech	PROPN
ijtc-1599	229	25	.	.	PUNCT
ijtc-1599	230	1	4(3	4(3	NUM
ijtc-1599	230	2	)	)	PUNCT
ijtc-1599	230	3	168	168	NUM
ijtc-1599	230	4	-	-	SYM
ijtc-1599	230	5	173	173	NUM
ijtc-1599	230	6	.	.	PUNCT
ijtc-1599	231	1	kolvereid	kolvereid	PROPN
ijtc-1599	231	2	,	,	PUNCT
ijtc-1599	231	3	l.	l.	PROPN
ijtc-1599	231	4	&	&	CCONJ
ijtc-1599	231	5	bullvag	bullvag	PROPN
ijtc-1599	231	6	,	,	PUNCT
ijtc-1599	231	7	e.	e.	PROPN
ijtc-1599	231	8	(	(	PUNCT
ijtc-1599	231	9	1996	1996	NUM
ijtc-1599	231	10	)	)	PUNCT
ijtc-1599	232	1	growth	growth	NOUN
ijtc-1599	232	2	intentions	intention	VERB
ijtc-1599	232	3	actual	actual	ADJ
ijtc-1599	232	4	growth	growth	NOUN
ijtc-1599	232	5	:	:	PUNCT
ijtc-1599	232	6	the	the	DET
ijtc-1599	232	7	impact	impact	NOUN
ijtc-1599	232	8	of	of	ADP
ijtc-1599	232	9	entrepreneurial	entrepreneurial	ADJ
ijtc-1599	232	10	choice	choice	NOUN
ijtc-1599	232	11	,	,	PUNCT
ijtc-1599	232	12	journal	journal	NOUN
ijtc-1599	232	13	of	of	ADP
ijtc-1599	232	14	enterprising	enterprise	VERB
ijtc-1599	232	15	culture	culture	NOUN
ijtc-1599	232	16	,	,	PUNCT
ijtc-1599	232	17	4(1	4(1	NOUN
ijtc-1599	232	18	)	)	PUNCT
ijtc-1599	232	19	,	,	PUNCT
ijtc-1599	232	20	1	1	NUM
ijtc-1599	232	21	–	–	SYM
ijtc-1599	232	22	17	17	NUM
ijtc-1599	232	23	.	.	PUNCT
ijtc-1599	233	1	kolvereid	kolvereid	PROPN
ijtc-1599	233	2	,	,	PUNCT
ijtc-1599	233	3	l.	l.	PROPN
ijtc-1599	233	4	(	(	PUNCT
ijtc-1599	233	5	1992	1992	NUM
ijtc-1599	233	6	)	)	PUNCT
ijtc-1599	233	7	growth	growth	NOUN
ijtc-1599	233	8	aspirations	aspiration	NOUN
ijtc-1599	233	9	among	among	ADP
ijtc-1599	233	10	norwegian	norwegian	ADJ
ijtc-1599	233	11	entrepreneurs	entrepreneur	NOUN
ijtc-1599	233	12	,	,	PUNCT
ijtc-1599	233	13	journal	journal	NOUN
ijtc-1599	233	14	of	of	ADP
ijtc-1599	233	15	business	business	NOUN
ijtc-1599	233	16	venturing	venturing	NOUN
ijtc-1599	233	17	,	,	PUNCT
ijtc-1599	233	18	7(4	7(4	NUM
ijtc-1599	233	19	)	)	PUNCT
ijtc-1599	233	20	,	,	PUNCT
ijtc-1599	233	21	209	209	NUM
ijtc-1599	233	22	–	–	PUNCT
ijtc-1599	233	23	222	222	NUM
ijtc-1599	233	24	.	.	PUNCT
ijtc-1599	234	1	magaji	magaji	NOUN
ijtc-1599	234	2	,	,	PUNCT
ijtc-1599	234	3	s.	s.	PROPN
ijtc-1599	234	4	and	and	CCONJ
ijtc-1599	234	5	saleh	saleh	PROPN
ijtc-1599	234	6	,	,	PUNCT
ijtc-1599	234	7	s.	s.	PROPN
ijtc-1599	234	8	a.	a.	PROPN
ijtc-1599	234	9	(	(	PUNCT
ijtc-1599	234	10	2010	2010	NUM
ijtc-1599	234	11	)	)	PUNCT
ijtc-1599	234	12	.	.	PUNCT
ijtc-1599	235	1	the	the	DET
ijtc-1599	235	2	role	role	NOUN
ijtc-1599	235	3	of	of	ADP
ijtc-1599	235	4	small	small	ADJ
ijtc-1599	235	5	scale	scale	NOUN
ijtc-1599	235	6	industries	industry	NOUN
ijtc-1599	235	7	in	in	ADP
ijtc-1599	235	8	the	the	DET
ijtc-1599	235	9	economic	economic	ADJ
ijtc-1599	235	10	development	development	NOUN
ijtc-1599	235	11	of	of	ADP
ijtc-1599	235	12	nigeria	nigeria	PROPN
ijtc-1599	235	13	.	.	PUNCT
ijtc-1599	236	1	abuja	abuja	PROPN
ijtc-1599	236	2	journal	journal	PROPN
ijtc-1599	236	3	of	of	ADP
ijtc-1599	236	4	banking	banking	NOUN
ijtc-1599	236	5	and	and	CCONJ
ijtc-1599	236	6	finance	finance	NOUN
ijtc-1599	236	7	,	,	PUNCT
ijtc-1599	236	8	4(1	4(1	NOUN
ijtc-1599	236	9	)	)	PUNCT
ijtc-1599	236	10	,	,	PUNCT
ijtc-1599	236	11	11	11	NUM
ijtc-1599	236	12	–	–	SYM
ijtc-1599	236	13	24	24	NUM
ijtc-1599	236	14	mali	mali	VERB
ijtc-1599	236	15	,	,	PUNCT
ijtc-1599	236	16	d.	d.	PROPN
ijtc-1599	236	17	d.	d.	PROPN
ijtc-1599	236	18	(	(	PUNCT
ijtc-1599	236	19	2000	2000	NUM
ijtc-1599	236	20	)	)	PUNCT
ijtc-1599	236	21	.	.	PUNCT
ijtc-1599	237	1	entrepreneurship	entrepreneurship	NOUN
ijtc-1599	237	2	development	development	NOUN
ijtc-1599	237	3	in	in	ADP
ijtc-1599	237	4	north	north	PROPN
ijtc-1599	237	5	east	east	PROPN
ijtc-1599	237	6	.	.	PUNCT
ijtc-1599	238	1	indian	indian	PROPN
ijtc-1599	238	2	institute	institute	PROPN
ijtc-1599	238	3	of	of	ADP
ijtc-1599	238	4	entrepreneurship	entrepreneurship	NOUN
ijtc-1599	238	5	,	,	PUNCT
ijtc-1599	238	6	guwahati	guwahati	NOUN
ijtc-1599	238	7	.	.	PUNCT
ijtc-1599	239	1	5(2	5(2	NUM
ijtc-1599	239	2	)	)	PUNCT
ijtc-1599	239	3	168	168	NUM
ijtc-1599	239	4	-	-	SYM
ijtc-1599	239	5	173	173	NUM
ijtc-1599	239	6	.	.	PUNCT
ijtc-1599	240	1	masurel	masurel	PROPN
ijtc-1599	240	2	,	,	PUNCT
ijtc-1599	240	3	e.	e.	PROPN
ijtc-1599	240	4	&	&	CCONJ
ijtc-1599	240	5	montfort	montfort	PROPN
ijtc-1599	240	6	,	,	PUNCT
ijtc-1599	240	7	k.v	k.v	PROPN
ijtc-1599	240	8	.	.	PROPN
ijtc-1599	240	9	(	(	PUNCT
ijtc-1599	240	10	2006	2006	NUM
ijtc-1599	240	11	)	)	PUNCT
ijtc-1599	240	12	life	life	NOUN
ijtc-1599	240	13	cycle	cycle	NOUN
ijtc-1599	240	14	characteristics	characteristic	NOUN
ijtc-1599	240	15	of	of	ADP
ijtc-1599	240	16	small	small	ADJ
ijtc-1599	240	17	professional	professional	ADJ
ijtc-1599	240	18	service	service	NOUN
ijtc-1599	240	19	firms	firm	NOUN
ijtc-1599	240	20	,	,	PUNCT
ijtc-1599	240	21	journal	journal	NOUN
ijtc-1599	240	22	of	of	ADP
ijtc-1599	240	23	small	small	ADJ
ijtc-1599	240	24	business	business	NOUN
ijtc-1599	240	25	management,6(5	management,6(5	NOUN
ijtc-1599	240	26	)	)	PUNCT
ijtc-1599	240	27	461	461	NUM
ijtc-1599	240	28	–	–	PUNCT
ijtc-1599	240	29	437	437	NUM
ijtc-1599	240	30	.	.	PUNCT
ijtc-1599	241	1	mejeha	mejeha	PROPN
ijtc-1599	241	2	,	,	PUNCT
ijtc-1599	241	3	r.	r.	PROPN
ijtc-1599	241	4	o.	o.	PROPN
ijtc-1599	241	5	and	and	CCONJ
ijtc-1599	241	6	nwachukwu	nwachukwu	PROPN
ijtc-1599	241	7	,	,	PUNCT
ijtc-1599	241	8	i.	i.	PROPN
ijtc-1599	241	9	n.	n.	PROPN
ijtc-1599	241	10	(	(	PUNCT
ijtc-1599	241	11	2008	2008	NUM
ijtc-1599	241	12	)	)	PUNCT
ijtc-1599	241	13	.	.	PUNCT
ijtc-1599	242	1	microfinance	microfinance	NOUN
ijtc-1599	242	2	institutions	institution	NOUN
ijtc-1599	242	3	in	in	ADP
ijtc-1599	242	4	nigeria	nigeria	PROPN
ijtc-1599	242	5	.	.	PUNCT
ijtc-1599	243	1	available	available	ADJ
ijtc-1599	243	2	online	online	ADV
ijtc-1599	243	3	at	at	ADP
ijtc-1599	243	4	http://mpra.ub.uni-muenchen.de/13711/.	http://mpra.ub.uni-muenchen.de/13711/.	PROPN
ijtc-1599	243	5	mpra	mpra	PROPN
ijtc-1599	243	6	paper	paper	PROPN
ijtc-1599	243	7	no	no	PROPN
ijtc-1599	243	8	.	.	PROPN
ijtc-1599	243	9	13711	13711	NUM
ijtc-1599	243	10	.	.	PUNCT
ijtc-1599	244	1	morduch	morduch	PROPN
ijtc-1599	244	2	,	,	PUNCT
ijtc-1599	244	3	j.	j.	PROPN
ijtc-1599	244	4	(	(	PUNCT
ijtc-1599	244	5	1999	1999	NUM
ijtc-1599	244	6	)	)	PUNCT
ijtc-1599	244	7	.	.	PUNCT
ijtc-1599	245	1	the	the	DET
ijtc-1599	245	2	microfinance	microfinance	NOUN
ijtc-1599	245	3	promise	promise	NOUN
ijtc-1599	245	4	.	.	PUNCT
ijtc-1599	246	1	journal	journal	NOUN
ijtc-1599	246	2	of	of	ADP
ijtc-1599	246	3	economic	economic	ADJ
ijtc-1599	246	4	literature	literature	NOUN
ijtc-1599	246	5	,	,	PUNCT
ijtc-1599	246	6	37	37	NUM
ijtc-1599	246	7	(	(	PUNCT
ijtc-1599	246	8	4	4	NUM
ijtc-1599	246	9	)	)	PUNCT
ijtc-1599	246	10	,	,	PUNCT
ijtc-1599	246	11	1569	1569	NUM
ijtc-1599	246	12	-	-	SYM
ijtc-1599	246	13	1614	1614	NUM
ijtc-1599	246	14	.	.	PUNCT
ijtc-1599	247	1	nanor	nanor	NOUN
ijtc-1599	247	2	,	,	PUNCT
ijtc-1599	247	3	m.	m.	NOUN
ijtc-1599	247	4	a.	a.	NOUN
ijtc-1599	247	5	(	(	PUNCT
ijtc-1599	247	6	2008	2008	NUM
ijtc-1599	247	7	)	)	PUNCT
ijtc-1599	247	8	.	.	PUNCT
ijtc-1599	248	1	microfinance	microfinance	NOUN
ijtc-1599	248	2	and	and	CCONJ
ijtc-1599	248	3	its	its	PRON
ijtc-1599	248	4	impact	impact	NOUN
ijtc-1599	248	5	on	on	ADP
ijtc-1599	248	6	selected	select	VERB
ijtc-1599	248	7	districts	district	NOUN
ijtc-1599	248	8	in	in	ADP
ijtc-1599	248	9	eastern	eastern	ADJ
ijtc-1599	248	10	region	region	NOUN
ijtc-1599	248	11	of	of	ADP
ijtc-1599	248	12	ghana	ghana	PROPN
ijtc-1599	248	13	.	.	PUNCT
ijtc-1599	249	1	an	an	DET
ijtc-1599	249	2	unpublished	unpublished	ADJ
ijtc-1599	249	3	master	master	NOUN
ijtc-1599	249	4	of	of	ADP
ijtc-1599	249	5	philosophy	philosophy	NOUN
ijtc-1599	249	6	thesis	thesis	NOUN
ijtc-1599	249	7	of	of	ADP
ijtc-1599	249	8	the	the	DET
ijtc-1599	249	9	department	department	NOUN
ijtc-1599	249	10	of	of	ADP
ijtc-1599	249	11	economics	economic	NOUN
ijtc-1599	249	12	,	,	PUNCT
ijtc-1599	249	13	faculty	faculty	NOUN
ijtc-1599	249	14	of	of	ADP
ijtc-1599	249	15	social	social	ADJ
ijtc-1599	249	16	sciences	science	NOUN
ijtc-1599	249	17	,	,	PUNCT
ijtc-1599	249	18	kwame	kwame	PROPN
ijtc-1599	249	19	nkrumah	nkrumah	PROPN
ijtc-1599	249	20	university	university	PROPN
ijtc-1599	249	21	of	of	ADP
ijtc-1599	249	22	science	science	NOUN
ijtc-1599	249	23	and	and	CCONJ
ijtc-1599	249	24	technology	technology	NOUN
ijtc-1599	249	25	.	.	PUNCT
ijtc-1599	250	1	nawai	nawai	PROPN
ijtc-1599	250	2	,	,	PUNCT
ijtc-1599	250	3	n.	n.	NOUN
ijtc-1599	250	4	,	,	PUNCT
ijtc-1599	250	5	&	&	CCONJ
ijtc-1599	250	6	shafii	shafii	ADJ
ijtc-1599	250	7	,	,	PUNCT
ijtc-1599	250	8	z.	z.	PROPN
ijtc-1599	250	9	(	(	PUNCT
ijtc-1599	250	10	2017	2017	NUM
ijtc-1599	250	11	)	)	PUNCT
ijtc-1599	250	12	.	.	PUNCT
ijtc-1599	251	1	understanding	understand	VERB
ijtc-1599	251	2	islamic	islamic	ADJ
ijtc-1599	251	3	cooperatives	cooperative	NOUN
ijtc-1599	251	4	mechanisms	mechanism	NOUN
ijtc-1599	251	5	for	for	ADP
ijtc-1599	251	6	the	the	DET
ijtc-1599	251	7	accessibility	accessibility	NOUN
ijtc-1599	251	8	promotion	promotion	NOUN
ijtc-1599	251	9	of	of	ADP
ijtc-1599	251	10	islamic	islamic	ADJ
ijtc-1599	251	11	finance	finance	NOUN
ijtc-1599	251	12	in	in	ADP
ijtc-1599	251	13	malaysia	malaysia	PROPN
ijtc-1599	251	14	.	.	PUNCT
ijtc-1599	252	1	journal	journal	PROPN
ijtc-1599	252	2	of	of	ADP
ijtc-1599	252	3	islamic	islamic	PROPN
ijtc-1599	252	4	philanthropy	philanthropy	PROPN
ijtc-1599	252	5	&	&	CCONJ
ijtc-1599	252	6	social	social	ADJ
ijtc-1599	252	7	finance	finance	NOUN
ijtc-1599	252	8	(	(	PUNCT
ijtc-1599	252	9	jipsf	jipsf	NOUN
ijtc-1599	252	10	)	)	PUNCT
ijtc-1599	252	11	,	,	PUNCT
ijtc-1599	252	12	1(1	1(1	NUM
ijtc-1599	252	13	)	)	PUNCT
ijtc-1599	252	14	,	,	PUNCT
ijtc-1599	252	15	1	1	NUM
ijtc-1599	252	16	-	-	SYM
ijtc-1599	252	17	13	13	NUM
ijtc-1599	252	18	.	.	PUNCT
ijtc-1599	253	1	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1599	253	2	micro	micro	ADJ
ijtc-1599	253	3	credit	credit	NOUN
ijtc-1599	253	4	and	and	CCONJ
ijtc-1599	253	5	poverty	poverty	NOUN
ijtc-1599	253	6	alleviation	alleviation	NOUN
ijtc-1599	253	7	in	in	ADP
ijtc-1599	253	8	nigeria	nigeria	PROPN
ijtc-1599	253	9	:	:	PUNCT
ijtc-1599	253	10	evidence	evidence	NOUN
ijtc-1599	253	11	from	from	ADP
ijtc-1599	253	12	selected	select	VERB
ijtc-1599	253	13	agribusiness	agribusiness	NOUN
ijtc-1599	253	14	cooperative	cooperative	ADJ
ijtc-1599	253	15	societies	society	NOUN
ijtc-1599	253	16	in	in	ADP
ijtc-1599	253	17	oyo	oyo	NOUN
ijtc-1599	253	18	state	state	NOUN
ijtc-1599	253	19	ibrahim	ibrahim	PROPN
ijtc-1599	253	20	,	,	PUNCT
ijtc-1599	253	21	gbadebo	gbadebo	NOUN
ijtc-1599	253	22	and	and	CCONJ
ijtc-1599	253	23	dada	dada	PROPN
ijtc-1599	253	24	792	792	NUM
ijtc-1599	253	25	|	|	CCONJ
ijtc-1599	253	26	ilomata	ilomata	PROPN
ijtc-1599	253	27	international	international	ADJ
ijtc-1599	253	28	journal	journal	NOUN
ijtc-1599	253	29	of	of	ADP
ijtc-1599	253	30	tax	tax	PROPN
ijtc-1599	253	31	&	&	CCONJ
ijtc-1599	253	32	accounting	account	VERB
ijtc-1599	253	33	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1599	253	34	nnenna	nnenna	ADJ
ijtc-1599	253	35	,	,	PUNCT
ijtc-1599	253	36	o.	o.	NOUN
ijtc-1599	253	37	m.	m.	NOUN
ijtc-1599	253	38	(	(	PUNCT
ijtc-1599	253	39	2019	2019	NUM
ijtc-1599	253	40	)	)	PUNCT
ijtc-1599	253	41	.	.	PUNCT
ijtc-1599	254	1	evaluating	evaluate	VERB
ijtc-1599	254	2	the	the	DET
ijtc-1599	254	3	nexus	nexus	NOUN
ijtc-1599	254	4	between	between	ADP
ijtc-1599	254	5	financial	financial	ADJ
ijtc-1599	254	6	deepening	deepening	NOUN
ijtc-1599	254	7	and	and	CCONJ
ijtc-1599	254	8	stock	stock	NOUN
ijtc-1599	254	9	market	market	NOUN
ijtc-1599	254	10	in	in	ADP
ijtc-1599	254	11	nigeria	nigeria	PROPN
ijtc-1599	254	12	.	.	PUNCT
ijtc-1599	255	1	european	european	ADJ
ijtc-1599	255	2	scientific	scientific	ADJ
ijtc-1599	255	3	journal	journal	NOUN
ijtc-1599	255	4	,	,	PUNCT
ijtc-1599	255	5	8(5	8(5	NUM
ijtc-1599	255	6	)	)	PUNCT
ijtc-1599	255	7	,	,	PUNCT
ijtc-1599	255	8	18	18	NUM
ijtc-1599	255	9	-	-	SYM
ijtc-1599	255	10	29	29	NUM
ijtc-1599	255	11	.	.	PUNCT
ijtc-1599	256	1	nwankwo	nwankwo	PROPN
ijtc-1599	256	2	,	,	PUNCT
ijtc-1599	256	3	f.	f.	PROPN
ijtc-1599	256	4	,	,	PUNCT
ijtc-1599	256	5	ogbodo	ogbodo	PROPN
ijtc-1599	256	6	,	,	PUNCT
ijtc-1599	256	7	o.	o.	PROPN
ijtc-1599	256	8	c.	c.	PROPN
ijtc-1599	256	9	,	,	PUNCT
ijtc-1599	256	10	&	&	CCONJ
ijtc-1599	256	11	ewuim	ewuim	PROPN
ijtc-1599	256	12	,	,	PUNCT
ijtc-1599	256	13	n.	n.	NOUN
ijtc-1599	256	14	(	(	PUNCT
ijtc-1599	256	15	2016	2016	NUM
ijtc-1599	256	16	)	)	PUNCT
ijtc-1599	256	17	.	.	PUNCT
ijtc-1599	257	1	effect	effect	NOUN
ijtc-1599	257	2	of	of	ADP
ijtc-1599	257	3	cooperative	cooperative	ADJ
ijtc-1599	257	4	type	type	NOUN
ijtc-1599	257	5	and	and	CCONJ
ijtc-1599	257	6	age	age	NOUN
ijtc-1599	257	7	on	on	ADP
ijtc-1599	257	8	profit	profit	NOUN
ijtc-1599	257	9	performance	performance	NOUN
ijtc-1599	257	10	:	:	PUNCT
ijtc-1599	257	11	a	a	DET
ijtc-1599	257	12	study	study	NOUN
ijtc-1599	257	13	of	of	ADP
ijtc-1599	257	14	cooperative	cooperative	ADJ
ijtc-1599	257	15	societies	society	NOUN
ijtc-1599	257	16	in	in	ADP
ijtc-1599	257	17	awka	awka	ADJ
ijtc-1599	257	18	north	north	NOUN
ijtc-1599	257	19	lga	lga	NOUN
ijtc-1599	257	20	in	in	ADP
ijtc-1599	257	21	anambra	anambra	PROPN
ijtc-1599	257	22	state	state	PROPN
ijtc-1599	257	23	,	,	PUNCT
ijtc-1599	257	24	nigeria	nigeria	PROPN
ijtc-1599	257	25	.	.	PUNCT
ijtc-1599	258	1	african	african	ADJ
ijtc-1599	258	2	research	research	PROPN
ijtc-1599	258	3	review	review	PROPN
ijtc-1599	258	4	,	,	PUNCT
ijtc-1599	258	5	10(5	10(5	NUM
ijtc-1599	258	6	)	)	PUNCT
ijtc-1599	258	7	,	,	PUNCT
ijtc-1599	258	8	187	187	NUM
ijtc-1599	258	9	-	-	SYM
ijtc-1599	258	10	203	203	NUM
ijtc-1599	258	11	.	.	PUNCT
ijtc-1599	259	1	odebiyi	odebiyi	PROPN
ijtc-1599	259	2	,	,	PUNCT
ijtc-1599	259	3	o.	o.	PROPN
ijtc-1599	259	4	c.	c.	PROPN
ijtc-1599	259	5	and	and	CCONJ
ijtc-1599	259	6	olaoye	olaoye	ADJ
ijtc-1599	259	7	,	,	PUNCT
ijtc-1599	259	8	o.	o.	PROPN
ijtc-1599	259	9	j.	j.	PROPN
ijtc-1599	259	10	(	(	PUNCT
ijtc-1599	259	11	2012	2012	NUM
ijtc-1599	259	12	)	)	PUNCT
ijtc-1599	259	13	.	.	PUNCT
ijtc-1599	260	1	small	small	ADJ
ijtc-1599	260	2	and	and	CCONJ
ijtc-1599	260	3	medium	medium	ADJ
ijtc-1599	260	4	scale	scale	NOUN
ijtc-1599	260	5	aquaculture	aquaculture	NOUN
ijtc-1599	260	6	enterprises	enterprise	NOUN
ijtc-1599	260	7	(	(	PUNCT
ijtc-1599	260	8	smes	sme	NOUN
ijtc-1599	260	9	)	)	PUNCT
ijtc-1599	260	10	development	development	NOUN
ijtc-1599	260	11	in	in	ADP
ijtc-1599	260	12	ogun	ogun	PROPN
ijtc-1599	260	13	state	state	PROPN
ijtc-1599	260	14	,	,	PUNCT
ijtc-1599	260	15	nigeria	nigeria	PROPN
ijtc-1599	260	16	:	:	PUNCT
ijtc-1599	260	17	the	the	DET
ijtc-1599	260	18	role	role	NOUN
ijtc-1599	260	19	of	of	ADP
ijtc-1599	260	20	microfinance	microfinance	NOUN
ijtc-1599	260	21	banks	bank	NOUN
ijtc-1599	260	22	.	.	PUNCT
ijtc-1599	261	1	libyan	libyan	ADJ
ijtc-1599	261	2	agriculture	agriculture	PROPN
ijtc-1599	261	3	research	research	PROPN
ijtc-1599	261	4	center	center	PROPN
ijtc-1599	261	5	journal	journal	PROPN
ijtc-1599	261	6	international	international	PROPN
ijtc-1599	261	7	,	,	PUNCT
ijtc-1599	261	8	3	3	NUM
ijtc-1599	261	9	(	(	PUNCT
ijtc-1599	261	10	1	1	NUM
ijtc-1599	261	11	)	)	PUNCT
ijtc-1599	261	12	,	,	PUNCT
ijtc-1599	261	13	01	01	NUM
ijtc-1599	261	14	-	-	SYM
ijtc-1599	261	15	06	06	NUM
ijtc-1599	261	16	,	,	PUNCT
ijtc-1599	261	17	2012	2012	NUM
ijtc-1599	261	18	.	.	PUNCT
ijtc-1599	262	1	onyeneke	onyeneke	ADJ
ijtc-1599	262	2	,	,	PUNCT
ijtc-1599	262	3	r.	r.	PROPN
ijtc-1599	262	4	u.	u.	PROPN
ijtc-1599	262	5	and	and	CCONJ
ijtc-1599	262	6	iruo	iruo	NOUN
ijtc-1599	262	7	,	,	PUNCT
ijtc-1599	262	8	f.	f.	PROPN
ijtc-1599	262	9	a.	a.	PROPN
ijtc-1599	262	10	(	(	PUNCT
ijtc-1599	262	11	2012	2012	NUM
ijtc-1599	262	12	)	)	PUNCT
ijtc-1599	262	13	.	.	PUNCT
ijtc-1599	263	1	socioeconomic	socioeconomic	ADJ
ijtc-1599	263	2	analysis	analysis	NOUN
ijtc-1599	263	3	of	of	ADP
ijtc-1599	263	4	the	the	DET
ijtc-1599	263	5	effect	effect	NOUN
ijtc-1599	263	6	of	of	ADP
ijtc-1599	263	7	microfinance	microfinance	NOUN
ijtc-1599	263	8	on	on	ADP
ijtc-1599	263	9	small	small	ADJ
ijtc-1599	263	10	-	-	PUNCT
ijtc-1599	263	11	scale	scale	NOUN
ijtc-1599	263	12	poultry	poultry	NOUN
ijtc-1599	263	13	production	production	NOUN
ijtc-1599	263	14	in	in	ADP
ijtc-1599	263	15	imo	imo	PROPN
ijtc-1599	263	16	state	state	PROPN
ijtc-1599	263	17	,	,	PUNCT
ijtc-1599	263	18	nigeria	nigeria	PROPN
ijtc-1599	263	19	.	.	PUNCT
ijtc-1599	264	1	agricultural	agricultural	ADJ
ijtc-1599	264	2	science	science	PROPN
ijtc-1599	264	3	research	research	NOUN
ijtc-1599	264	4	journals	journal	NOUN
ijtc-1599	264	5	vol	vol	NOUN
ijtc-1599	264	6	.	.	PROPN
ijtc-1599	264	7	2(2	2(2	NUM
ijtc-1599	264	8	)	)	PUNCT
ijtc-1599	264	9	,	,	PUNCT
ijtc-1599	264	10	84	84	NUM
ijtc-1599	264	11	-	-	SYM
ijtc-1599	264	12	91	91	NUM
ijtc-1599	264	13	.	.	PUNCT
ijtc-1599	265	1	available	available	ADJ
ijtc-1599	265	2	online	online	PROPN
ijtc-1599	265	3	http://www.resjournals.com/arj	http://www.resjournals.com/arj	PROPN
ijtc-1599	265	4	.	.	PROPN
ijtc-1599	265	5	papadaki	papadaki	PROPN
ijtc-1599	265	6	,	,	PUNCT
ijtc-1599	265	7	e.	e.	PROPN
ijtc-1599	265	8	,	,	PUNCT
ijtc-1599	265	9	&	&	CCONJ
ijtc-1599	265	10	chami	chami	PROPN
ijtc-1599	265	11	,	,	PUNCT
ijtc-1599	265	12	b.	b.	PROPN
ijtc-1599	265	13	(	(	PUNCT
ijtc-1599	265	14	2002	2002	NUM
ijtc-1599	265	15	)	)	PUNCT
ijtc-1599	265	16	growth	growth	NOUN
ijtc-1599	265	17	determinants	determinant	NOUN
ijtc-1599	265	18	of	of	ADP
ijtc-1599	265	19	micro	micro	NOUN
ijtc-1599	265	20	-	-	NOUN
ijtc-1599	265	21	business	business	NOUN
ijtc-1599	265	22	in	in	ADP
ijtc-1599	265	23	canada	canada	PROPN
ijtc-1599	265	24	.	.	PUNCT
ijtc-1599	266	1	small	small	ADJ
ijtc-1599	266	2	business	business	NOUN
ijtc-1599	266	3	policy	policy	NOUN
ijtc-1599	266	4	branch	branch	NOUN
ijtc-1599	266	5	,	,	PUNCT
ijtc-1599	266	6	industry	industry	PROPN
ijtc-1599	266	7	canada	canada	PROPN
ijtc-1599	266	8	.	.	PUNCT
ijtc-1599	267	1	rasaki	rasaki	PROPN
ijtc-1599	267	2	,	,	PUNCT
ijtc-1599	267	3	k.	k.	PROPN
ijtc-1599	267	4	,	,	PUNCT
ijtc-1599	267	5	kamilu	kamilu	PROPN
ijtc-1599	267	6	,	,	PUNCT
ijtc-1599	267	7	r.	r.	PROPN
ijtc-1599	267	8	,	,	PUNCT
ijtc-1599	267	9	rukayatu	rukayatu	PROPN
ijtc-1599	267	10	,	,	PUNCT
ijtc-1599	267	11	a.	a.	NOUN
ijtc-1599	267	12	,	,	PUNCT
ijtc-1599	267	13	&	&	CCONJ
ijtc-1599	267	14	balikis	balikis	PROPN
ijtc-1599	267	15	,	,	PUNCT
ijtc-1599	267	16	o.	o.	PROPN
ijtc-1599	267	17	(	(	PUNCT
ijtc-1599	267	18	2018	2018	NUM
ijtc-1599	267	19	)	)	PUNCT
ijtc-1599	267	20	.	.	PUNCT
ijtc-1599	268	1	impact	impact	NOUN
ijtc-1599	268	2	of	of	ADP
ijtc-1599	268	3	conventional	conventional	ADJ
ijtc-1599	268	4	and	and	CCONJ
ijtc-1599	268	5	islamic	islamic	ADJ
ijtc-1599	268	6	cooperative	cooperative	ADJ
ijtc-1599	268	7	societies	society	NOUN
ijtc-1599	268	8	on	on	ADP
ijtc-1599	268	9	poverty	poverty	NOUN
ijtc-1599	268	10	alleviation	alleviation	NOUN
ijtc-1599	268	11	.	.	PUNCT
ijtc-1599	269	1	a	a	DET
ijtc-1599	269	2	case	case	NOUN
ijtc-1599	269	3	study	study	NOUN
ijtc-1599	269	4	of	of	ADP
ijtc-1599	269	5	neuro	neuro	NOUN
ijtc-1599	269	6	-	-	PUNCT
ijtc-1599	269	7	psychiatric	psychiatric	NOUN
ijtc-1599	269	8	hospital	hospital	NOUN
ijtc-1599	269	9	,	,	PUNCT
ijtc-1599	269	10	aro	aro	NOUN
ijtc-1599	269	11	,	,	PUNCT
ijtc-1599	269	12	abeokuta	abeokuta	PROPN
ijtc-1599	269	13	,	,	PUNCT
ijtc-1599	269	14	ogun	ogun	PROPN
ijtc-1599	269	15	state	state	PROPN
ijtc-1599	269	16	,	,	PUNCT
ijtc-1599	269	17	nigerian	nigerian	PROPN
ijtc-1599	269	18	.	.	PUNCT
ijtc-1599	270	1	journal	journal	PROPN
ijtc-1599	270	2	of	of	ADP
ijtc-1599	270	3	sustainable	sustainable	ADJ
ijtc-1599	270	4	development	development	NOUN
ijtc-1599	270	5	in	in	ADP
ijtc-1599	270	6	africa	africa	PROPN
ijtc-1599	270	7	,	,	PUNCT
ijtc-1599	270	8	20(4	20(4	PROPN
ijtc-1599	270	9	)	)	PUNCT
ijtc-1599	270	10	.	.	PUNCT
ijtc-1599	271	1	regional	regional	ADJ
ijtc-1599	271	2	program	program	NOUN
ijtc-1599	271	3	on	on	ADP
ijtc-1599	271	4	enterprise	enterprise	NOUN
ijtc-1599	271	5	development	development	NOUN
ijtc-1599	271	6	(	(	PUNCT
ijtc-1599	271	7	2002	2002	NUM
ijtc-1599	271	8	)	)	PUNCT
ijtc-1599	271	9	.	.	PUNCT
ijtc-1599	272	1	nigeria	nigeria	PROPN
ijtc-1599	273	1	private	private	ADJ
ijtc-1599	273	2	sector	sector	NOUN
ijtc-1599	273	3	assessment	assessment	NOUN
ijtc-1599	273	4	technical	technical	ADJ
ijtc-1599	273	5	papers	paper	NOUN
ijtc-1599	273	6	.	.	PUNCT
ijtc-1599	274	1	african	african	ADJ
ijtc-1599	274	2	private	private	ADJ
ijtc-1599	274	3	sector	sector	NOUN
ijtc-1599	274	4	department	department	NOUN
ijtc-1599	274	5	,	,	PUNCT
ijtc-1599	274	6	small	small	ADJ
ijtc-1599	274	7	and	and	CCONJ
ijtc-1599	274	8	medium	medium	ADJ
ijtc-1599	274	9	enterprise	enterprise	NOUN
ijtc-1599	274	10	department	department	NOUN
ijtc-1599	274	11	.	.	PUNCT
ijtc-1599	275	1	the	the	DET
ijtc-1599	275	2	world	world	PROPN
ijtc-1599	275	3	bank	bank	PROPN
ijtc-1599	275	4	group	group	NOUN
ijtc-1599	275	5	(	(	PUNCT
ijtc-1599	275	6	draft	draft	NOUN
ijtc-1599	275	7	for	for	ADP
ijtc-1599	275	8	discussion	discussion	NOUN
ijtc-1599	275	9	)	)	PUNCT
ijtc-1599	275	10	.	.	PUNCT
ijtc-1599	276	1	research	research	NOUN
ijtc-1599	276	2	and	and	CCONJ
ijtc-1599	276	3	investment	investment	NOUN
ijtc-1599	276	4	,	,	PUNCT
ijtc-1599	276	5	2	2	NUM
ijtc-1599	276	6	(	(	PUNCT
ijtc-1599	276	7	3	3	NUM
ijtc-1599	276	8	)	)	PUNCT
ijtc-1599	276	9	,	,	PUNCT
ijtc-1599	276	10	109	109	NUM
ijtc-1599	276	11	-	-	SYM
ijtc-1599	276	12	114	114	NUM
ijtc-1599	276	13	s.m.e.a	s.m.e.a	PROPN
ijtc-1599	276	14	(	(	PUNCT
ijtc-1599	276	15	2007	2007	NUM
ijtc-1599	276	16	)	)	PUNCT
ijtc-1599	276	17	.	.	PUNCT
ijtc-1599	277	1	the	the	DET
ijtc-1599	277	2	a.b.c	a.b.c	PROPN
ijtc-1599	277	3	of	of	ADP
ijtc-1599	277	4	s.m.e	s.m.e	NOUN
ijtc-1599	277	5	and	and	CCONJ
ijtc-1599	277	6	microfinance	microfinance	NOUN
ijtc-1599	277	7	in	in	ADP
ijtc-1599	277	8	niger	niger	NOUN
ijtc-1599	277	9	state	state	NOUN
ijtc-1599	277	10	.	.	PUNCT
ijtc-1599	278	1	s.m.e	s.m.e	ADJ
ijtc-1599	278	2	/	/	SYM
ijtc-1599	278	3	microfinance	microfinance	NOUN
ijtc-1599	278	4	agency	agency	NOUN
ijtc-1599	278	5	,	,	PUNCT
ijtc-1599	278	6	governor	governor	NOUN
ijtc-1599	278	7	’s	’s	PART
ijtc-1599	278	8	office	office	NOUN
ijtc-1599	278	9	,	,	PUNCT
ijtc-1599	278	10	minna	minna	NOUN
ijtc-1599	278	11	,	,	PUNCT
ijtc-1599	278	12	niger	niger	NOUN
ijtc-1599	278	13	,	,	PUNCT
ijtc-1599	278	14	state	state	NOUN
ijtc-1599	278	15	.	.	PUNCT
ijtc-1599	279	1	srnec	srnec	PROPN
ijtc-1599	279	2	,	,	PUNCT
ijtc-1599	279	3	k.	k.	PROPN
ijtc-1599	279	4	and	and	CCONJ
ijtc-1599	279	5	havrland	havrland	PROPN
ijtc-1599	279	6	,	,	PUNCT
ijtc-1599	279	7	b.	b.	PROPN
ijtc-1599	279	8	(	(	PUNCT
ijtc-1599	279	9	2006	2006	NUM
ijtc-1599	279	10	)	)	PUNCT
ijtc-1599	279	11	.	.	PUNCT
ijtc-1599	280	1	microfinancing	microfinancing	NOUN
ijtc-1599	280	2	:	:	PUNCT
ijtc-1599	280	3	challenges	challenge	NOUN
ijtc-1599	280	4	and	and	CCONJ
ijtc-1599	280	5	prospects	prospect	NOUN
ijtc-1599	280	6	.	.	PUNCT
ijtc-1599	281	1	appropriate	appropriate	ADJ
ijtc-1599	281	2	conditions	condition	NOUN
ijtc-1599	281	3	for	for	ADP
ijtc-1599	281	4	changes	change	NOUN
ijtc-1599	281	5	from	from	ADP
ijtc-1599	281	6	informal	informal	ADJ
ijtc-1599	281	7	to	to	ADP
ijtc-1599	281	8	formal	formal	ADJ
ijtc-1599	281	9	microfinancing	microfinancing	NOUN
ijtc-1599	281	10	institutions	institution	NOUN
ijtc-1599	281	11	.	.	PUNCT
ijtc-1599	282	1	czech	czech	PROPN
ijtc-1599	282	2	university	university	PROPN
ijtc-1599	282	3	of	of	ADP
ijtc-1599	282	4	agriculture	agriculture	PROPN
ijtc-1599	282	5	,	,	PUNCT
ijtc-1599	282	6	prague	prague	PROPN
ijtc-1599	282	7	,	,	PUNCT
ijtc-1599	282	8	czech	czech	PROPN
ijtc-1599	282	9	republic	republic	NOUN
ijtc-1599	282	10	.	.	PUNCT
ijtc-1599	283	1	suberu	suberu	PROPN
ijtc-1599	283	2	,	,	PUNCT
ijtc-1599	283	3	o.	o.	PROPN
ijtc-1599	283	4	j.	j.	PROPN
ijtc-1599	283	5	,	,	PUNCT
ijtc-1599	283	6	aremu	aremu	PROPN
ijtc-1599	283	7	,	,	PUNCT
ijtc-1599	283	8	o.	o.	PROPN
ijtc-1599	283	9	s.	s.	PROPN
ijtc-1599	283	10	and	and	CCONJ
ijtc-1599	283	11	popoola	popoola	PROPN
ijtc-1599	283	12	,	,	PUNCT
ijtc-1599	283	13	e.	e.	PROPN
ijtc-1599	283	14	g.	g.	PROPN
ijtc-1599	283	15	(	(	PUNCT
ijtc-1599	283	16	2011	2011	NUM
ijtc-1599	283	17	)	)	PUNCT
ijtc-1599	283	18	.	.	PUNCT
ijtc-1599	284	1	the	the	DET
ijtc-1599	284	2	impact	impact	NOUN
ijtc-1599	284	3	of	of	ADP
ijtc-1599	284	4	microfinance	microfinance	NOUN
ijtc-1599	284	5	institutions	institution	NOUN
ijtc-1599	284	6	on	on	ADP
ijtc-1599	284	7	the	the	DET
ijtc-1599	284	8	development	development	NOUN
ijtc-1599	284	9	of	of	ADP
ijtc-1599	284	10	small	small	ADJ
ijtc-1599	284	11	-	-	PUNCT
ijtc-1599	284	12	scale	scale	NOUN
ijtc-1599	284	13	enterprises	enterprise	NOUN
ijtc-1599	284	14	in	in	ADP
ijtc-1599	284	15	nigeria	nigeria	PROPN
ijtc-1599	284	16	.	.	PUNCT
ijtc-1599	285	1	journal	journal	PROPN
ijtc-1599	285	2	of	of	ADP
ijtc-1599	285	3	research	research	NOUN
ijtc-1599	285	4	in	in	ADP
ijtc-1599	285	5	international	international	ADJ
ijtc-1599	285	6	business	business	NOUN
ijtc-1599	285	7	management	management	NOUN
ijtc-1599	285	8	vol	vol	NOUN
ijtc-1599	285	9	.	.	PROPN
ijtc-1599	285	10	1(8	1(8	NUM
ijtc-1599	285	11	)	)	PUNCT
ijtc-1599	285	12	,	,	PUNCT
ijtc-1599	285	13	251	251	NUM
ijtc-1599	285	14	-	-	SYM
ijtc-1599	285	15	257	257	NUM
ijtc-1599	285	16	september	september	NOUN
ijtc-1599	285	17	2011	2011	NUM
ijtc-1599	285	18	.	.	PUNCT
ijtc-1599	286	1	available	available	ADJ
ijtc-1599	286	2	online	online	ADV
ijtc-1599	286	3	at	at	ADP
ijtc-1599	286	4	http://	http://	PROPN
ijtc-1599	286	5	www.interesjournals.org/jribm	www.interesjournals.org/jribm	PROPN
ijtc-1599	286	6	.	.	PUNCT
ijtc-1599	287	1	udenwa	udenwa	PROPN
ijtc-1599	287	2	,	,	PUNCT
ijtc-1599	287	3	a.	a.	NOUN
ijtc-1599	287	4	t.	t.	PROPN
ijtc-1599	287	5	,	,	PUNCT
ijtc-1599	287	6	nwala	nwala	PROPN
ijtc-1599	287	7	,	,	PUNCT
ijtc-1599	287	8	n.	n.	NOUN
ijtc-1599	287	9	m.	m.	NOUN
ijtc-1599	287	10	,	,	PUNCT
ijtc-1599	287	11	adigizey	adigizey	PROPN
ijtc-1599	287	12	,	,	PUNCT
ijtc-1599	287	13	j.	j.	PROPN
ijtc-1599	287	14	d.	d.	PROPN
ijtc-1599	287	15	,	,	PUNCT
ijtc-1599	287	16	jacob	jacob	PROPN
ijtc-1599	287	17	,	,	PUNCT
ijtc-1599	287	18	z.	z.	PROPN
ijtc-1599	287	19	,	,	PUNCT
ijtc-1599	287	20	suberu	suberu	PROPN
ijtc-1599	287	21	,	,	PUNCT
ijtc-1599	287	22	a.	a.	NOUN
ijtc-1599	287	23	a.	a.	NOUN
ijtc-1599	287	24	(	(	PUNCT
ijtc-1599	287	25	2023	2023	NUM
ijtc-1599	287	26	)	)	PUNCT
ijtc-1599	287	27	.	.	PUNCT
ijtc-1599	288	1	effect	effect	NOUN
ijtc-1599	288	2	of	of	ADP
ijtc-1599	288	3	cooperative	cooperative	ADJ
ijtc-1599	288	4	societies	society	NOUN
ijtc-1599	288	5	development	development	NOUN
ijtc-1599	288	6	on	on	ADP
ijtc-1599	288	7	financial	financial	ADJ
ijtc-1599	288	8	deepening	deepening	NOUN
ijtc-1599	288	9	in	in	ADP
ijtc-1599	288	10	nigeria	nigeria	PROPN
ijtc-1599	288	11	,	,	PUNCT
ijtc-1599	288	12	international	international	ADJ
ijtc-1599	288	13	journal	journal	NOUN
ijtc-1599	288	14	of	of	ADP
ijtc-1599	288	15	economics	economic	NOUN
ijtc-1599	288	16	,	,	PUNCT
ijtc-1599	288	17	commerce	commerce	NOUN
ijtc-1599	288	18	and	and	CCONJ
ijtc-1599	288	19	management	management	NOUN
ijtc-1599	288	20	,	,	PUNCT
ijtc-1599	288	21	11	11	NUM
ijtc-1599	288	22	(	(	PUNCT
ijtc-1599	288	23	07	07	NUM
ijtc-1599	288	24	)	)	PUNCT
ijtc-1599	288	25	.	.	PUNCT
ijtc-1599	289	1	yahaya	yahaya	PROPN
ijtc-1599	289	2	,	,	PUNCT
ijtc-1599	289	3	k.	k.	PROPN
ijtc-1599	290	1	a	a	PRON
ijtc-1599	290	2	,	,	PUNCT
ijtc-1599	290	3	osemene	osemene	NOUN
ijtc-1599	290	4	,	,	PUNCT
ijtc-1599	290	5	o.	o.	PROPN
ijtc-1599	290	6	f.	f.	PROPN
ijtc-1599	290	7	and	and	CCONJ
ijtc-1599	290	8	abdulraheem	abdulraheem	PROPN
ijtc-1599	290	9	,	,	PUNCT
ijtc-1599	290	10	a.	a.	NOUN
ijtc-1599	290	11	(	(	PUNCT
ijtc-1599	290	12	2011	2011	NUM
ijtc-1599	290	13	)	)	PUNCT
ijtc-1599	290	14	.	.	PUNCT
ijtc-1599	291	1	effectiveness	effectiveness	NOUN
ijtc-1599	291	2	of	of	ADP
ijtc-1599	291	3	microfinance	microfinance	NOUN
ijtc-1599	291	4	banks	bank	NOUN
ijtc-1599	291	5	in	in	ADP
ijtc-1599	291	6	alleviating	alleviate	VERB
ijtc-1599	291	7	poverty	poverty	NOUN
ijtc-1599	291	8	in	in	ADP
ijtc-1599	291	9	kwara	kwara	PROPN
ijtc-1599	291	10	state	state	PROPN
ijtc-1599	291	11	nigeria	nigeria	PROPN
ijtc-1599	291	12	.	.	PUNCT
ijtc-1599	292	1	global	global	ADJ
ijtc-1599	292	2	journal	journal	PROPN
ijtc-1599	292	3	of	of	ADP
ijtc-1599	292	4	management	management	NOUN
ijtc-1599	292	5	and	and	CCONJ
ijtc-1599	292	6	business	business	NOUN
ijtc-1599	292	7	research	research	NOUN
ijtc-1599	292	8	,	,	PUNCT
ijtc-1599	292	9	volume	volume	NOUN
ijtc-1599	292	10	11	11	NUM
ijtc-1599	292	11	,	,	PUNCT
ijtc-1599	292	12	issue	issue	NOUN
ijtc-1599	292	13	4	4	NUM
ijtc-1599	292	14	,	,	PUNCT
ijtc-1599	292	15	version	version	NOUN
ijtc-1599	292	16	1.0	1.0	NUM
ijtc-1599	292	17	,	,	PUNCT
ijtc-1599	292	18	march	march	PROPN
ijtc-1599	292	19	2011	2011	NUM
ijtc-1599	292	20	.	.	PUNCT
ijtc-1599	292	21	00	00	PUNCT
ijtc-1599	293	1	https://www.ilomata.org/index.php/ijtc	https://www.ilomata.org/index.php/ijtc	PROPN
ijtc-1599	293	2	http://www.interesjournals.org/jribm	http://www.interesjournals.org/jribm	X