id	keyword
ijtc-1733	bank
ijtc-1733	npls
ijtc-1733	loans
ijtc-1733	specific
ijtc-1733	factors
ijtc-1733	ghana
ijtc-1733	data
ijtc-1733	capital
ijtc-1733	growth
ijtc-1733	journal
ijtc-1733	risk
ijtc-1733	analysis
ijtc-1733	rate
ijtc-1733	regression
ijtc-1733	study
ijtc-1733	https://www.ilomata.org/index.php/ijtc