id	keyword
ijtc-591	financial
ijtc-591	literacy
ijtc-591	factor
ijtc-591	student
ijtc-591	variables
ijtc-591	education
ijtc-591	international
ijtc-591	analysis
ijtc-591	journal
ijtc-591	money
ijtc-591	level
ijtc-591	finance
ijtc-591	management