id	keyword
ijtc-572	financial
ijtc-572	inclusion
ijtc-572	capital
ijtc-572	enterprises
ijtc-572	technology
ijtc-572	micro
ijtc-572	msmes
ijtc-572	literacy
ijtc-572	variable
ijtc-572	value
ijtc-572	effect
ijtc-572	results
ijtc-572	journal
ijtc-572	international