id	sid	tid	token	lemma	pos
aijssr-1921	1	1	american	american	PROPN
aijssr-1921	1	2	international	international	PROPN
aijssr-1921	1	3	journal	journal	PROPN
aijssr-1921	1	4	of	of	ADP
aijssr-1921	1	5	social	social	ADJ
aijssr-1921	1	6	science	science	NOUN
aijssr-1921	1	7	research	research	NOUN
aijssr-1921	1	8	14(1	14(1	NUM
aijssr-1921	1	9	)	)	PUNCT
aijssr-1921	1	10	(	(	PUNCT
aijssr-1921	1	11	2023	2023	NUM
aijssr-1921	1	12	)	)	PUNCT
aijssr-1921	1	13	,	,	PUNCT
aijssr-1921	1	14	1	1	NUM
aijssr-1921	1	15	-	-	SYM
aijssr-1921	1	16	8	8	NUM
aijssr-1921	1	17	1	1	NUM
aijssr-1921	1	18	social	social	ADJ
aijssr-1921	1	19	science	science	NOUN
aijssr-1921	1	20	research	research	NOUN
aijssr-1921	1	21	aijssr	aijssr	PROPN
aijssr-1921	1	22	vol	vol	VERB
aijssr-1921	1	23	14	14	NUM
aijssr-1921	1	24	no	no	DET
aijssr-1921	1	25	1	1	NUM
aijssr-1921	1	26	(	(	PUNCT
aijssr-1921	1	27	2023	2023	NUM
aijssr-1921	1	28	)	)	PUNCT
aijssr-1921	1	29	p	p	X
aijssr-1921	1	30	-	-	PUNCT
aijssr-1921	1	31	issn	issn	VERB
aijssr-1921	1	32	2576	2576	NUM
aijssr-1921	1	33	-	-	PUNCT
aijssr-1921	1	34	103x	103x	NOUN
aijssr-1921	1	35	e	e	NOUN
aijssr-1921	1	36	-	-	NOUN
aijssr-1921	1	37	issn	issn	VERB
aijssr-1921	1	38	2576	2576	NUM
aijssr-1921	1	39	-	-	PUNCT
aijssr-1921	1	40	1048	1048	NUM
aijssr-1921	1	41	available	available	ADJ
aijssr-1921	1	42	online	online	ADV
aijssr-1921	1	43	at	at	ADP
aijssr-1921	1	44	https://www.cribfb.com	https://www.cribfb.com	X
aijssr-1921	1	45	journal	journal	PROPN
aijssr-1921	1	46	homepage	homepage	NOUN
aijssr-1921	1	47	:	:	PUNCT
aijssr-1921	1	48	https://www.cribfb.com/journal/index.php/aijssr	https://www.cribfb.com/journal/index.php/aijssr	PROPN
aijssr-1921	1	49	published	publish	VERB
aijssr-1921	1	50	by	by	ADP
aijssr-1921	1	51	cribfb	cribfb	PROPN
aijssr-1921	1	52	,	,	PUNCT
aijssr-1921	1	53	usa	usa	PROPN
aijssr-1921	1	54	comparative	comparative	PROPN
aijssr-1921	1	55	study	study	NOUN
aijssr-1921	1	56	of	of	ADP
aijssr-1921	1	57	islamic	islamic	ADJ
aijssr-1921	1	58	credit	credit	NOUN
aijssr-1921	1	59	cards	card	NOUN
aijssr-1921	1	60	to	to	PART
aijssr-1921	1	61	be	be	AUX
aijssr-1921	1	62	accepted	accept	VERB
aijssr-1921	1	63	:	:	PUNCT
aijssr-1921	1	64	muslim	muslim	ADJ
aijssr-1921	1	65	consumers	consumer	NOUN
aijssr-1921	1	66	’	’	PART
aijssr-1921	1	67	perceptions	perception	NOUN
aijssr-1921	1	68	md	md	PROPN
aijssr-1921	1	69	.	.	PROPN
aijssr-1921	1	70	shahnur	shahnur	PROPN
aijssr-1921	1	71	azad	azad	PROPN
aijssr-1921	1	72	chowdhury	chowdhury	PROPN
aijssr-1921	1	73	(	(	PUNCT
aijssr-1921	1	74	a)1	a)1	PROPN
aijssr-1921	1	75	a	a	PRON
aijssr-1921	1	76	m	m	AUX
aijssr-1921	1	77	shahabuddin	shahabuddin	VERB
aijssr-1921	1	78	habib	habib	PROPN
aijssr-1921	1	79	ullah	ullah	PROPN
aijssr-1921	1	80	md	md	PROPN
aijssr-1921	1	81	.	.	PROPN
aijssr-1921	2	1	shariful	shariful	PROPN
aijssr-1921	2	2	haque	haque	PROPN
aijssr-1921	2	3	monir	monir	PROPN
aijssr-1921	2	4	ahmmed	ahmmed	PROPN
aijssr-1921	2	5	(	(	PUNCT
aijssr-1921	2	6	a	a	PRON
aijssr-1921	2	7	)	)	PUNCT
aijssr-1921	2	8	associate	associate	NOUN
aijssr-1921	2	9	professor	professor	NOUN
aijssr-1921	2	10	,	,	PUNCT
aijssr-1921	2	11	department	department	NOUN
aijssr-1921	2	12	of	of	ADP
aijssr-1921	2	13	business	business	PROPN
aijssr-1921	2	14	administration	administration	NOUN
aijssr-1921	2	15	,	,	PUNCT
aijssr-1921	2	16	int'l	int'l	ADP
aijssr-1921	2	17	islamic	islamic	PROPN
aijssr-1921	2	18	university	university	PROPN
aijssr-1921	2	19	chittagong	chittagong	PROPN
aijssr-1921	2	20	,	,	PUNCT
aijssr-1921	2	21	bangladesh	bangladesh	PROPN
aijssr-1921	2	22	;	;	PUNCT
aijssr-1921	2	23	e	e	X
aijssr-1921	2	24	-	-	NOUN
aijssr-1921	2	25	mail	mail	NOUN
aijssr-1921	2	26	:	:	PUNCT
aijssr-1921	2	27	tipu_iiuc@yahoo.com	tipu_iiuc@yahoo.com	X
aijssr-1921	2	28	(	(	PUNCT
aijssr-1921	2	29	b	b	NOUN
aijssr-1921	2	30	)	)	PUNCT
aijssr-1921	2	31	associate	associate	NOUN
aijssr-1921	2	32	professor	professor	NOUN
aijssr-1921	2	33	,	,	PUNCT
aijssr-1921	2	34	department	department	NOUN
aijssr-1921	2	35	of	of	ADP
aijssr-1921	2	36	business	business	PROPN
aijssr-1921	2	37	administration	administration	NOUN
aijssr-1921	2	38	,	,	PUNCT
aijssr-1921	2	39	int'l	int'l	ADP
aijssr-1921	2	40	islamic	islamic	PROPN
aijssr-1921	2	41	university	university	PROPN
aijssr-1921	2	42	chittagong	chittagong	PROPN
aijssr-1921	2	43	,	,	PUNCT
aijssr-1921	2	44	bangladesh	bangladesh	PROPN
aijssr-1921	2	45	;	;	PUNCT
aijssr-1921	2	46	e	e	X
aijssr-1921	2	47	-	-	NOUN
aijssr-1921	2	48	mail	mail	NOUN
aijssr-1921	2	49	:	:	PUNCT
aijssr-1921	2	50	ams_iiuc@yahoo.com	ams_iiuc@yahoo.com	X
aijssr-1921	2	51	(	(	PUNCT
aijssr-1921	2	52	c	c	NOUN
aijssr-1921	2	53	)	)	PUNCT
aijssr-1921	2	54	assistant	assistant	NOUN
aijssr-1921	2	55	professor	professor	NOUN
aijssr-1921	2	56	,	,	PUNCT
aijssr-1921	2	57	department	department	NOUN
aijssr-1921	2	58	of	of	ADP
aijssr-1921	2	59	business	business	PROPN
aijssr-1921	2	60	administration	administration	NOUN
aijssr-1921	2	61	,	,	PUNCT
aijssr-1921	2	62	int'l	int'l	ADP
aijssr-1921	2	63	islamic	islamic	PROPN
aijssr-1921	2	64	university	university	PROPN
aijssr-1921	2	65	chittagong	chittagong	PROPN
aijssr-1921	2	66	,	,	PUNCT
aijssr-1921	2	67	bangladesh	bangladesh	PROPN
aijssr-1921	2	68	;	;	PUNCT
aijssr-1921	2	69	e	e	X
aijssr-1921	2	70	-	-	NOUN
aijssr-1921	2	71	mail	mail	NOUN
aijssr-1921	2	72	:	:	PUNCT
aijssr-1921	2	73	habibmu26@yahoo.com	habibmu26@yahoo.com	X
aijssr-1921	2	74	(	(	PUNCT
aijssr-1921	2	75	d	d	NOUN
aijssr-1921	2	76	)	)	PUNCT
aijssr-1921	2	77	associate	associate	NOUN
aijssr-1921	2	78	professor	professor	NOUN
aijssr-1921	2	79	,	,	PUNCT
aijssr-1921	2	80	department	department	NOUN
aijssr-1921	2	81	of	of	ADP
aijssr-1921	2	82	economics	economics	PROPN
aijssr-1921	2	83	&	&	CCONJ
aijssr-1921	2	84	banking	banking	NOUN
aijssr-1921	2	85	,	,	PUNCT
aijssr-1921	2	86	int'l	int'l	ADP
aijssr-1921	2	87	islamic	islamic	PROPN
aijssr-1921	2	88	university	university	PROPN
aijssr-1921	2	89	chittagong	chittagong	PROPN
aijssr-1921	2	90	,	,	PUNCT
aijssr-1921	2	91	bangladesh	bangladesh	PROPN
aijssr-1921	2	92	;	;	PUNCT
aijssr-1921	2	93	e	e	X
aijssr-1921	2	94	-	-	NOUN
aijssr-1921	2	95	mail	mail	NOUN
aijssr-1921	2	96	:	:	PUNCT
aijssr-1921	2	97	sharif@iiuc.ac.bd	sharif@iiuc.ac.bd	PROPN
aijssr-1921	2	98	(	(	PUNCT
aijssr-1921	2	99	e	e	NOUN
aijssr-1921	2	100	)	)	PUNCT
aijssr-1921	2	101	associate	associate	NOUN
aijssr-1921	2	102	professor	professor	NOUN
aijssr-1921	2	103	,	,	PUNCT
aijssr-1921	2	104	department	department	NOUN
aijssr-1921	2	105	of	of	ADP
aijssr-1921	2	106	economics	economics	PROPN
aijssr-1921	2	107	&	&	CCONJ
aijssr-1921	2	108	banking	banking	NOUN
aijssr-1921	2	109	,	,	PUNCT
aijssr-1921	2	110	int'l	int'l	ADP
aijssr-1921	2	111	islamic	islamic	PROPN
aijssr-1921	2	112	university	university	PROPN
aijssr-1921	2	113	chittagong	chittagong	PROPN
aijssr-1921	2	114	,	,	PUNCT
aijssr-1921	2	115	bangladesh	bangladesh	PROPN
aijssr-1921	2	116	;	;	PUNCT
aijssr-1921	2	117	e	e	X
aijssr-1921	2	118	-	-	NOUN
aijssr-1921	2	119	mail	mail	NOUN
aijssr-1921	2	120	:	:	PUNCT
aijssr-1921	2	121	moniiuc@yahoo.co.uk	moniiuc@yahoo.co.uk	VERB
aijssr-1921	2	122	a	a	DET
aijssr-1921	2	123	r	r	NOUN
aijssr-1921	2	124	t	t	NOUN
aijssr-1921	3	1	i	i	PRON
aijssr-1921	3	2	c	c	NOUN
aijssr-1921	3	3	l	l	NOUN
aijssr-1921	3	4	e	e	NOUN
aijssr-1921	4	1	i	i	PRON
aijssr-1921	4	2	n	n	VERB
aijssr-1921	4	3	f	f	NOUN
aijssr-1921	4	4	o	o	NOUN
aijssr-1921	4	5	article	article	NOUN
aijssr-1921	4	6	history	history	NOUN
aijssr-1921	4	7	:	:	PUNCT
aijssr-1921	4	8	received	receive	VERB
aijssr-1921	4	9	:	:	PUNCT
aijssr-1921	4	10	9th	9th	ADJ
aijssr-1921	4	11	november	november	PROPN
aijssr-1921	4	12	2022	2022	NUM
aijssr-1921	4	13	accepted	accept	VERB
aijssr-1921	4	14	:	:	PUNCT
aijssr-1921	4	15	21st	21st	ADJ
aijssr-1921	4	16	january	january	PROPN
aijssr-1921	4	17	2023	2023	NUM
aijssr-1921	4	18	online	online	ADJ
aijssr-1921	4	19	publication	publication	NOUN
aijssr-1921	4	20	:	:	PUNCT
aijssr-1921	4	21	31st	31st	ADJ
aijssr-1921	4	22	january	january	PROPN
aijssr-1921	4	23	2023	2023	NUM
aijssr-1921	4	24	keywords	keyword	NOUN
aijssr-1921	4	25	:	:	PUNCT
aijssr-1921	4	26	islamic	islamic	ADJ
aijssr-1921	4	27	credit	credit	NOUN
aijssr-1921	4	28	card	card	NOUN
aijssr-1921	4	29	,	,	PUNCT
aijssr-1921	4	30	riba	riba	PROPN
aijssr-1921	4	31	,	,	PUNCT
aijssr-1921	4	32	the	the	DET
aijssr-1921	4	33	muslim	muslim	PROPN
aijssr-1921	4	34	community	community	PROPN
aijssr-1921	4	35	,	,	PUNCT
aijssr-1921	4	36	islamic	islamic	ADJ
aijssr-1921	4	37	values	value	NOUN
aijssr-1921	4	38	jel	jel	PROPN
aijssr-1921	4	39	classification	classification	NOUN
aijssr-1921	4	40	codes	code	NOUN
aijssr-1921	4	41	:	:	PUNCT
aijssr-1921	4	42	g21	g21	PROPN
aijssr-1921	4	43	a	a	PRON
aijssr-1921	4	44	b	b	PROPN
aijssr-1921	4	45	s	s	ADP
aijssr-1921	4	46	t	t	PROPN
aijssr-1921	4	47	r	r	NOUN
aijssr-1921	4	48	a	a	DET
aijssr-1921	4	49	c	c	NOUN
aijssr-1921	4	50	t	t	NOUN
aijssr-1921	4	51	the	the	DET
aijssr-1921	4	52	use	use	NOUN
aijssr-1921	4	53	of	of	ADP
aijssr-1921	4	54	standard	standard	ADJ
aijssr-1921	4	55	credit	credit	NOUN
aijssr-1921	4	56	cards	card	NOUN
aijssr-1921	4	57	,	,	PUNCT
aijssr-1921	4	58	which	which	PRON
aijssr-1921	4	59	incorporate	incorporate	VERB
aijssr-1921	4	60	the	the	DET
aijssr-1921	4	61	practice	practice	NOUN
aijssr-1921	4	62	of	of	ADP
aijssr-1921	4	63	riba	riba	NOUN
aijssr-1921	4	64	in	in	ADP
aijssr-1921	4	65	the	the	DET
aijssr-1921	4	66	case	case	NOUN
aijssr-1921	4	67	that	that	SCONJ
aijssr-1921	4	68	a	a	DET
aijssr-1921	4	69	late	late	ADJ
aijssr-1921	4	70	payment	payment	NOUN
aijssr-1921	4	71	is	be	AUX
aijssr-1921	4	72	made	make	VERB
aijssr-1921	4	73	,	,	PUNCT
aijssr-1921	4	74	has	have	AUX
aijssr-1921	4	75	resulted	result	VERB
aijssr-1921	4	76	in	in	ADP
aijssr-1921	4	77	a	a	DET
aijssr-1921	4	78	conflict	conflict	NOUN
aijssr-1921	4	79	with	with	ADP
aijssr-1921	4	80	the	the	DET
aijssr-1921	4	81	perspectives	perspective	NOUN
aijssr-1921	4	82	of	of	ADP
aijssr-1921	4	83	muslim	muslim	ADJ
aijssr-1921	4	84	clients	client	NOUN
aijssr-1921	4	85	,	,	PUNCT
aijssr-1921	4	86	which	which	PRON
aijssr-1921	4	87	is	be	AUX
aijssr-1921	4	88	to	to	PART
aijssr-1921	4	89	be	be	AUX
aijssr-1921	4	90	addressed	address	VERB
aijssr-1921	4	91	in	in	ADP
aijssr-1921	4	92	choosing	choose	VERB
aijssr-1921	4	93	the	the	DET
aijssr-1921	4	94	best	good	ADJ
aijssr-1921	4	95	alternative	alternative	ADJ
aijssr-1921	4	96	available	available	ADJ
aijssr-1921	4	97	cards	card	NOUN
aijssr-1921	4	98	.	.	PUNCT
aijssr-1921	5	1	the	the	DET
aijssr-1921	5	2	primary	primary	ADJ
aijssr-1921	5	3	purpose	purpose	NOUN
aijssr-1921	5	4	of	of	ADP
aijssr-1921	5	5	this	this	DET
aijssr-1921	5	6	research	research	NOUN
aijssr-1921	5	7	is	be	AUX
aijssr-1921	5	8	to	to	PART
aijssr-1921	5	9	analyze	analyze	VERB
aijssr-1921	5	10	the	the	DET
aijssr-1921	5	11	many	many	ADJ
aijssr-1921	5	12	existing	exist	VERB
aijssr-1921	5	13	models	model	NOUN
aijssr-1921	5	14	of	of	ADP
aijssr-1921	5	15	islamic	islamic	ADJ
aijssr-1921	5	16	credit	credit	NOUN
aijssr-1921	5	17	cards	card	NOUN
aijssr-1921	5	18	to	to	PART
aijssr-1921	5	19	determine	determine	VERB
aijssr-1921	5	20	which	which	DET
aijssr-1921	5	21	one	one	NOUN
aijssr-1921	5	22	is	be	AUX
aijssr-1921	5	23	most	most	ADV
aijssr-1921	5	24	in	in	ADP
aijssr-1921	5	25	line	line	NOUN
aijssr-1921	5	26	with	with	ADP
aijssr-1921	5	27	sharia	sharia	PROPN
aijssr-1921	5	28	law	law	NOUN
aijssr-1921	5	29	.	.	PUNCT
aijssr-1921	6	1	the	the	DET
aijssr-1921	6	2	kind	kind	NOUN
aijssr-1921	6	3	of	of	ADP
aijssr-1921	6	4	study	study	NOUN
aijssr-1921	6	5	that	that	PRON
aijssr-1921	6	6	has	have	AUX
aijssr-1921	6	7	been	be	AUX
aijssr-1921	6	8	done	do	VERB
aijssr-1921	6	9	is	be	AUX
aijssr-1921	6	10	descriptive	descriptive	ADJ
aijssr-1921	6	11	,	,	PUNCT
aijssr-1921	6	12	which	which	PRON
aijssr-1921	6	13	employed	employ	VERB
aijssr-1921	6	14	rigorous	rigorous	ADJ
aijssr-1921	6	15	literature	literature	NOUN
aijssr-1921	6	16	studies	study	NOUN
aijssr-1921	6	17	and	and	CCONJ
aijssr-1921	6	18	investigated	investigate	VERB
aijssr-1921	6	19	the	the	DET
aijssr-1921	6	20	existing	exist	VERB
aijssr-1921	6	21	theories	theory	NOUN
aijssr-1921	6	22	.	.	PUNCT
aijssr-1921	7	1	the	the	DET
aijssr-1921	7	2	holy	holy	PROPN
aijssr-1921	7	3	quran	quran	PROPN
aijssr-1921	7	4	is	be	AUX
aijssr-1921	7	5	the	the	DET
aijssr-1921	7	6	source	source	NOUN
aijssr-1921	7	7	of	of	ADP
aijssr-1921	7	8	the	the	DET
aijssr-1921	7	9	fundamental	fundamental	ADJ
aijssr-1921	7	10	laws	law	NOUN
aijssr-1921	7	11	that	that	PRON
aijssr-1921	7	12	govern	govern	VERB
aijssr-1921	7	13	what	what	PRON
aijssr-1921	7	14	is	be	AUX
aijssr-1921	7	15	and	and	CCONJ
aijssr-1921	7	16	is	be	AUX
aijssr-1921	7	17	not	not	PART
aijssr-1921	7	18	allowed	allow	VERB
aijssr-1921	7	19	in	in	ADP
aijssr-1921	7	20	terms	term	NOUN
aijssr-1921	7	21	of	of	ADP
aijssr-1921	7	22	credit	credit	NOUN
aijssr-1921	7	23	and	and	CCONJ
aijssr-1921	7	24	debt	debt	NOUN
aijssr-1921	7	25	.	.	PUNCT
aijssr-1921	8	1	after	after	ADP
aijssr-1921	8	2	then	then	ADV
aijssr-1921	8	3	,	,	PUNCT
aijssr-1921	8	4	the	the	DET
aijssr-1921	8	5	attributes	attribute	NOUN
aijssr-1921	8	6	of	of	ADP
aijssr-1921	8	7	the	the	DET
aijssr-1921	8	8	cards	card	NOUN
aijssr-1921	8	9	that	that	PRON
aijssr-1921	8	10	are	be	AUX
aijssr-1921	8	11	being	be	AUX
aijssr-1921	8	12	presented	present	VERB
aijssr-1921	8	13	are	be	AUX
aijssr-1921	8	14	analyzed	analyze	VERB
aijssr-1921	8	15	in	in	ADP
aijssr-1921	8	16	light	light	NOUN
aijssr-1921	8	17	of	of	ADP
aijssr-1921	8	18	those	those	DET
aijssr-1921	8	19	principles	principle	NOUN
aijssr-1921	8	20	to	to	PART
aijssr-1921	8	21	ensure	ensure	VERB
aijssr-1921	8	22	that	that	SCONJ
aijssr-1921	8	23	they	they	PRON
aijssr-1921	8	24	adhere	adhere	VERB
aijssr-1921	8	25	to	to	ADP
aijssr-1921	8	26	sharia	sharia	PROPN
aijssr-1921	8	27	,	,	PUNCT
aijssr-1921	8	28	which	which	PRON
aijssr-1921	8	29	is	be	AUX
aijssr-1921	8	30	a	a	DET
aijssr-1921	8	31	religious	religious	ADJ
aijssr-1921	8	32	law	law	NOUN
aijssr-1921	8	33	.	.	PUNCT
aijssr-1921	9	1	the	the	DET
aijssr-1921	9	2	muslim	muslim	PROPN
aijssr-1921	9	3	community	community	NOUN
aijssr-1921	9	4	has	have	VERB
aijssr-1921	9	5	access	access	NOUN
aijssr-1921	9	6	to	to	ADP
aijssr-1921	9	7	a	a	DET
aijssr-1921	9	8	wide	wide	ADJ
aijssr-1921	9	9	range	range	NOUN
aijssr-1921	9	10	of	of	ADP
aijssr-1921	9	11	credit	credit	NOUN
aijssr-1921	9	12	card	card	NOUN
aijssr-1921	9	13	options	option	NOUN
aijssr-1921	9	14	to	to	PART
aijssr-1921	9	15	pick	pick	VERB
aijssr-1921	9	16	from	from	ADP
aijssr-1921	9	17	.	.	PUNCT
aijssr-1921	10	1	charge	charge	NOUN
aijssr-1921	10	2	cards	card	NOUN
aijssr-1921	10	3	,	,	PUNCT
aijssr-1921	10	4	qard	qard	PROPN
aijssr-1921	10	5	al	al	PROPN
aijssr-1921	10	6	-	-	PUNCT
aijssr-1921	10	7	hasan	hasan	PROPN
aijssr-1921	10	8	cards	card	NOUN
aijssr-1921	10	9	,	,	PUNCT
aijssr-1921	10	10	bai	bai	PROPN
aijssr-1921	10	11	al	al	PROPN
aijssr-1921	10	12	-	-	PROPN
aijssr-1921	10	13	inah	inah	PROPN
aijssr-1921	10	14	cards	card	NOUN
aijssr-1921	10	15	,	,	PUNCT
aijssr-1921	10	16	mushraka	mushraka	PROPN
aijssr-1921	10	17	mutanqisa	mutanqisa	VERB
aijssr-1921	10	18	cards	card	NOUN
aijssr-1921	10	19	,	,	PUNCT
aijssr-1921	10	20	tawarruq	tawarruq	NOUN
aijssr-1921	10	21	cards	card	NOUN
aijssr-1921	10	22	,	,	PUNCT
aijssr-1921	10	23	and	and	CCONJ
aijssr-1921	10	24	murabahah	murabahah	NOUN
aijssr-1921	10	25	cards	card	NOUN
aijssr-1921	10	26	are	be	AUX
aijssr-1921	10	27	all	all	PRON
aijssr-1921	10	28	included	include	VERB
aijssr-1921	10	29	in	in	ADP
aijssr-1921	10	30	the	the	DET
aijssr-1921	10	31	bundles	bundle	NOUN
aijssr-1921	10	32	.	.	PUNCT
aijssr-1921	11	1	also	also	ADV
aijssr-1921	11	2	had	have	AUX
aijssr-1921	11	3	are	be	AUX
aijssr-1921	11	4	tawarruq	tawarruq	NOUN
aijssr-1921	11	5	cards	card	NOUN
aijssr-1921	11	6	and	and	CCONJ
aijssr-1921	11	7	murabahah	murabahah	NOUN
aijssr-1921	11	8	cards	card	NOUN
aijssr-1921	11	9	.	.	PUNCT
aijssr-1921	12	1	critiques	critique	NOUN
aijssr-1921	12	2	raised	raise	VERB
aijssr-1921	12	3	voices	voice	NOUN
aijssr-1921	12	4	against	against	ADP
aijssr-1921	12	5	islamic	islamic	ADJ
aijssr-1921	12	6	credit	credit	NOUN
aijssr-1921	12	7	cards	card	NOUN
aijssr-1921	12	8	.	.	PUNCT
aijssr-1921	13	1	consequently	consequently	ADV
aijssr-1921	13	2	,	,	PUNCT
aijssr-1921	13	3	there	there	PRON
aijssr-1921	13	4	is	be	VERB
aijssr-1921	13	5	a	a	DET
aijssr-1921	13	6	need	need	NOUN
aijssr-1921	13	7	for	for	ADP
aijssr-1921	13	8	a	a	DET
aijssr-1921	13	9	payment	payment	NOUN
aijssr-1921	13	10	method	method	NOUN
aijssr-1921	13	11	that	that	PRON
aijssr-1921	13	12	may	may	AUX
aijssr-1921	13	13	function	function	VERB
aijssr-1921	13	14	like	like	ADP
aijssr-1921	13	15	a	a	DET
aijssr-1921	13	16	credit	credit	NOUN
aijssr-1921	13	17	card	card	NOUN
aijssr-1921	13	18	.	.	PUNCT
aijssr-1921	14	1	however	however	ADV
aijssr-1921	14	2	,	,	PUNCT
aijssr-1921	14	3	they	they	PRON
aijssr-1921	14	4	are	be	AUX
aijssr-1921	14	5	still	still	ADV
aijssr-1921	14	6	obligated	obligate	VERB
aijssr-1921	14	7	to	to	PART
aijssr-1921	14	8	maintain	maintain	VERB
aijssr-1921	14	9	complete	complete	ADJ
aijssr-1921	14	10	conformity	conformity	NOUN
aijssr-1921	14	11	with	with	ADP
aijssr-1921	14	12	islamic	islamic	ADJ
aijssr-1921	14	13	principles	principle	NOUN
aijssr-1921	14	14	.	.	PUNCT
aijssr-1921	15	1	this	this	DET
aijssr-1921	15	2	article	article	NOUN
aijssr-1921	15	3	takes	take	VERB
aijssr-1921	15	4	a	a	DET
aijssr-1921	15	5	closer	close	ADJ
aijssr-1921	15	6	look	look	NOUN
aijssr-1921	15	7	at	at	ADP
aijssr-1921	15	8	the	the	DET
aijssr-1921	15	9	packages	package	NOUN
aijssr-1921	15	10	mentioned	mention	VERB
aijssr-1921	15	11	above	above	ADV
aijssr-1921	15	12	to	to	PART
aijssr-1921	15	13	understand	understand	VERB
aijssr-1921	15	14	better	well	ADJ
aijssr-1921	15	15	the	the	DET
aijssr-1921	15	16	degree	degree	NOUN
aijssr-1921	15	17	to	to	PART
aijssr-1921	15	18	which	which	PRON
aijssr-1921	15	19	the	the	DET
aijssr-1921	15	20	various	various	ADJ
aijssr-1921	15	21	options	option	NOUN
aijssr-1921	15	22	are	be	AUX
aijssr-1921	15	23	accepted	accept	VERB
aijssr-1921	15	24	.	.	PUNCT
aijssr-1921	16	1	the	the	DET
aijssr-1921	16	2	study	study	NOUN
aijssr-1921	16	3	explored	explore	VERB
aijssr-1921	16	4	the	the	DET
aijssr-1921	16	5	crucial	crucial	ADJ
aijssr-1921	16	6	features	feature	NOUN
aijssr-1921	16	7	of	of	ADP
aijssr-1921	16	8	the	the	DET
aijssr-1921	16	9	existing	exist	VERB
aijssr-1921	16	10	islamic	islamic	ADJ
aijssr-1921	16	11	credit	credit	NOUN
aijssr-1921	16	12	cards	card	NOUN
aijssr-1921	16	13	and	and	CCONJ
aijssr-1921	16	14	evaluated	evaluate	VERB
aijssr-1921	16	15	the	the	DET
aijssr-1921	16	16	shariah	shariah	PROPN
aijssr-1921	16	17	compliance	compliance	NOUN
aijssr-1921	16	18	of	of	ADP
aijssr-1921	16	19	those	those	DET
aijssr-1921	16	20	concepts	concept	NOUN
aijssr-1921	16	21	.	.	PUNCT
aijssr-1921	17	1	according	accord	VERB
aijssr-1921	17	2	to	to	ADP
aijssr-1921	17	3	the	the	DET
aijssr-1921	17	4	findings	finding	NOUN
aijssr-1921	17	5	and	and	CCONJ
aijssr-1921	17	6	conclusions	conclusion	NOUN
aijssr-1921	17	7	of	of	ADP
aijssr-1921	17	8	the	the	DET
aijssr-1921	17	9	study	study	NOUN
aijssr-1921	17	10	,	,	PUNCT
aijssr-1921	17	11	the	the	DET
aijssr-1921	17	12	authors	author	NOUN
aijssr-1921	17	13	concluded	conclude	VERB
aijssr-1921	17	14	that	that	SCONJ
aijssr-1921	17	15	the	the	DET
aijssr-1921	17	16	'	'	PUNCT
aijssr-1921	17	17	mushraka	mushraka	PROPN
aijssr-1921	17	18	mutanqisa	mutanqisa	PROPN
aijssr-1921	17	19	'	'	PUNCT
aijssr-1921	17	20	is	be	AUX
aijssr-1921	17	21	the	the	DET
aijssr-1921	17	22	most	most	ADV
aijssr-1921	17	23	sharacompliant	sharacompliant	ADJ
aijssr-1921	17	24	and	and	CCONJ
aijssr-1921	17	25	hence	hence	ADV
aijssr-1921	17	26	most	most	ADV
aijssr-1921	17	27	likely	likely	ADJ
aijssr-1921	17	28	to	to	PART
aijssr-1921	17	29	be	be	AUX
aijssr-1921	17	30	approved	approve	VERB
aijssr-1921	17	31	by	by	ADP
aijssr-1921	17	32	muslim	muslim	ADJ
aijssr-1921	17	33	customers	customer	NOUN
aijssr-1921	17	34	.	.	PUNCT
aijssr-1921	18	1	©	©	ADP
aijssr-1921	18	2	2023	2023	NUM
aijssr-1921	18	3	by	by	ADP
aijssr-1921	18	4	the	the	DET
aijssr-1921	18	5	authors	author	NOUN
aijssr-1921	18	6	.	.	PUNCT
aijssr-1921	19	1	licensee	licensee	PROPN
aijssr-1921	19	2	cribfb	cribfb	PROPN
aijssr-1921	19	3	,	,	PUNCT
aijssr-1921	19	4	usa	usa	PROPN
aijssr-1921	19	5	.	.	PROPN
aijssr-1921	20	1	this	this	DET
aijssr-1921	20	2	article	article	NOUN
aijssr-1921	20	3	is	be	AUX
aijssr-1921	20	4	an	an	DET
aijssr-1921	20	5	open	open	ADJ
aijssr-1921	20	6	access	access	NOUN
aijssr-1921	20	7	article	article	NOUN
aijssr-1921	20	8	distributed	distribute	VERB
aijssr-1921	20	9	under	under	ADP
aijssr-1921	20	10	the	the	DET
aijssr-1921	20	11	terms	term	NOUN
aijssr-1921	20	12	and	and	CCONJ
aijssr-1921	20	13	conditions	condition	NOUN
aijssr-1921	20	14	of	of	ADP
aijssr-1921	20	15	the	the	DET
aijssr-1921	20	16	creative	creative	ADJ
aijssr-1921	20	17	commons	common	NOUN
aijssr-1921	20	18	attribution	attribution	NOUN
aijssr-1921	20	19	(	(	PUNCT
aijssr-1921	20	20	cc	cc	NOUN
aijssr-1921	20	21	by	by	ADP
aijssr-1921	20	22	)	)	PUNCT
aijssr-1921	20	23	license	license	NOUN
aijssr-1921	20	24	(	(	PUNCT
aijssr-1921	20	25	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
aijssr-1921	20	26	)	)	PUNCT
aijssr-1921	20	27	.	.	PUNCT
aijssr-1921	21	1	introduction	introduction	NOUN
aijssr-1921	21	2	the	the	DET
aijssr-1921	21	3	introduction	introduction	NOUN
aijssr-1921	21	4	of	of	ADP
aijssr-1921	21	5	credit	credit	NOUN
aijssr-1921	21	6	cards	card	NOUN
aijssr-1921	21	7	was	be	AUX
aijssr-1921	21	8	a	a	DET
aijssr-1921	21	9	game	game	NOUN
aijssr-1921	21	10	-	-	PUNCT
aijssr-1921	21	11	changer	changer	NOUN
aijssr-1921	21	12	for	for	ADP
aijssr-1921	21	13	banking	banking	NOUN
aijssr-1921	21	14	and	and	CCONJ
aijssr-1921	21	15	commercial	commercial	ADJ
aijssr-1921	21	16	procedures	procedure	NOUN
aijssr-1921	21	17	in	in	ADP
aijssr-1921	21	18	the	the	DET
aijssr-1921	21	19	contemporary	contemporary	ADJ
aijssr-1921	21	20	age	age	NOUN
aijssr-1921	21	21	.	.	PUNCT
aijssr-1921	22	1	credit	credit	NOUN
aijssr-1921	22	2	cards	card	NOUN
aijssr-1921	22	3	are	be	AUX
aijssr-1921	22	4	still	still	ADV
aijssr-1921	22	5	widely	widely	ADV
aijssr-1921	22	6	used	use	VERB
aijssr-1921	22	7	today	today	NOUN
aijssr-1921	22	8	.	.	PUNCT
aijssr-1921	23	1	both	both	PRON
aijssr-1921	23	2	technological	technological	ADJ
aijssr-1921	23	3	advances	advance	NOUN
aijssr-1921	23	4	and	and	CCONJ
aijssr-1921	23	5	rising	rise	VERB
aijssr-1921	23	6	levels	level	NOUN
aijssr-1921	23	7	of	of	ADP
aijssr-1921	23	8	consumer	consumer	NOUN
aijssr-1921	23	9	purchasing	purchasing	NOUN
aijssr-1921	23	10	power	power	NOUN
aijssr-1921	23	11	were	be	AUX
aijssr-1921	23	12	essential	essential	ADJ
aijssr-1921	23	13	to	to	ADP
aijssr-1921	23	14	accomplishing	accomplish	VERB
aijssr-1921	23	15	this	this	DET
aijssr-1921	23	16	goal	goal	NOUN
aijssr-1921	23	17	,	,	PUNCT
aijssr-1921	23	18	which	which	PRON
aijssr-1921	23	19	was	be	AUX
aijssr-1921	23	20	ultimately	ultimately	ADV
aijssr-1921	23	21	successful	successful	ADJ
aijssr-1921	23	22	.	.	PUNCT
aijssr-1921	24	1	people	people	NOUN
aijssr-1921	24	2	can	can	AUX
aijssr-1921	24	3	transact	transact	VERB
aijssr-1921	24	4	business	business	NOUN
aijssr-1921	24	5	without	without	ADP
aijssr-1921	24	6	needing	need	VERB
aijssr-1921	24	7	to	to	PART
aijssr-1921	24	8	carry	carry	VERB
aijssr-1921	24	9	cash	cash	NOUN
aijssr-1921	24	10	with	with	ADP
aijssr-1921	24	11	them	they	PRON
aijssr-1921	24	12	and	and	CCONJ
aijssr-1921	24	13	can	can	AUX
aijssr-1921	24	14	also	also	ADV
aijssr-1921	24	15	transact	transact	VERB
aijssr-1921	24	16	business	business	NOUN
aijssr-1921	24	17	online	online	NOUN
aijssr-1921	24	18	.	.	PUNCT
aijssr-1921	25	1	however	however	ADV
aijssr-1921	25	2	,	,	PUNCT
aijssr-1921	25	3	using	use	VERB
aijssr-1921	25	4	standard	standard	ADJ
aijssr-1921	25	5	credit	credit	NOUN
aijssr-1921	25	6	cards	card	NOUN
aijssr-1921	25	7	,	,	PUNCT
aijssr-1921	25	8	which	which	PRON
aijssr-1921	25	9	incorporate	incorporate	VERB
aijssr-1921	25	10	the	the	DET
aijssr-1921	25	11	practice	practice	NOUN
aijssr-1921	25	12	of	of	ADP
aijssr-1921	25	13	riba	riba	NOUN
aijssr-1921	25	14	in	in	ADP
aijssr-1921	25	15	the	the	DET
aijssr-1921	25	16	case	case	NOUN
aijssr-1921	25	17	that	that	SCONJ
aijssr-1921	25	18	a	a	DET
aijssr-1921	25	19	late	late	ADJ
aijssr-1921	25	20	payment	payment	NOUN
aijssr-1921	25	21	is	be	AUX
aijssr-1921	25	22	made	make	VERB
aijssr-1921	25	23	,	,	PUNCT
aijssr-1921	25	24	has	have	AUX
aijssr-1921	25	25	conflicted	conflict	VERB
aijssr-1921	25	26	with	with	ADP
aijssr-1921	25	27	muslim	muslim	ADJ
aijssr-1921	25	28	clients	client	NOUN
aijssr-1921	25	29	'	'	PART
aijssr-1921	25	30	perspectives	perspective	NOUN
aijssr-1921	25	31	.	.	PUNCT
aijssr-1921	26	1	credit	credit	NOUN
aijssr-1921	26	2	cards	card	NOUN
aijssr-1921	26	3	may	may	AUX
aijssr-1921	26	4	be	be	AUX
aijssr-1921	26	5	used	use	VERB
aijssr-1921	26	6	to	to	PART
aijssr-1921	26	7	buy	buy	VERB
aijssr-1921	26	8	almost	almost	ADV
aijssr-1921	26	9	anything	anything	PRON
aijssr-1921	26	10	,	,	PUNCT
aijssr-1921	26	11	from	from	ADP
aijssr-1921	26	12	groceries	grocery	NOUN
aijssr-1921	26	13	to	to	ADP
aijssr-1921	26	14	electronics	electronic	NOUN
aijssr-1921	26	15	and	and	CCONJ
aijssr-1921	26	16	even	even	ADV
aijssr-1921	26	17	certain	certain	ADJ
aijssr-1921	26	18	services	service	NOUN
aijssr-1921	26	19	.	.	PUNCT
aijssr-1921	27	1	amin	amin	PROPN
aijssr-1921	27	2	(	(	PUNCT
aijssr-1921	27	3	2012	2012	NUM
aijssr-1921	27	4	)	)	PUNCT
aijssr-1921	27	5	states	state	VERB
aijssr-1921	27	6	that	that	SCONJ
aijssr-1921	27	7	credit	credit	NOUN
aijssr-1921	27	8	cards	card	NOUN
aijssr-1921	27	9	may	may	AUX
aijssr-1921	27	10	be	be	AUX
aijssr-1921	27	11	considered	consider	VERB
aijssr-1921	27	12	"	"	PUNCT
aijssr-1921	27	13	plastic	plastic	ADJ
aijssr-1921	27	14	money	money	NOUN
aijssr-1921	27	15	.	.	PUNCT
aijssr-1921	27	16	"	"	PUNCT
aijssr-1921	28	1	it	it	PRON
aijssr-1921	28	2	accomplishes	accomplish	VERB
aijssr-1921	28	3	this	this	DET
aijssr-1921	28	4	goal	goal	NOUN
aijssr-1921	28	5	by	by	ADP
aijssr-1921	28	6	leveraging	leverage	VERB
aijssr-1921	28	7	a	a	DET
aijssr-1921	28	8	wide	wide	ADJ
aijssr-1921	28	9	variety	variety	NOUN
aijssr-1921	28	10	of	of	ADP
aijssr-1921	28	11	different	different	ADJ
aijssr-1921	28	12	intermediaries	intermediary	NOUN
aijssr-1921	28	13	to	to	PART
aijssr-1921	28	14	simplify	simplify	VERB
aijssr-1921	28	15	spot	spot	NOUN
aijssr-1921	28	16	transactions	transaction	NOUN
aijssr-1921	28	17	for	for	ADP
aijssr-1921	28	18	customers	customer	NOUN
aijssr-1921	28	19	of	of	ADP
aijssr-1921	28	20	financial	financial	ADJ
aijssr-1921	28	21	institutions	institution	NOUN
aijssr-1921	28	22	that	that	PRON
aijssr-1921	28	23	are	be	AUX
aijssr-1921	28	24	part	part	NOUN
aijssr-1921	28	25	of	of	ADP
aijssr-1921	28	26	its	its	PRON
aijssr-1921	28	27	network	network	NOUN
aijssr-1921	28	28	of	of	ADP
aijssr-1921	28	29	sponsors	sponsor	NOUN
aijssr-1921	28	30	.	.	PUNCT
aijssr-1921	29	1	to	to	PART
aijssr-1921	29	2	make	make	VERB
aijssr-1921	29	3	spot	spot	NOUN
aijssr-1921	29	4	transactions	transaction	NOUN
aijssr-1921	29	5	easier	easy	ADJ
aijssr-1921	29	6	for	for	ADP
aijssr-1921	29	7	its	its	PRON
aijssr-1921	29	8	consumers	consumer	NOUN
aijssr-1921	29	9	,	,	PUNCT
aijssr-1921	29	10	which	which	PRON
aijssr-1921	29	11	financial	financial	ADJ
aijssr-1921	29	12	institutions	institution	NOUN
aijssr-1921	29	13	often	often	ADV
aijssr-1921	29	14	sponsor	sponsor	VERB
aijssr-1921	29	15	,	,	PUNCT
aijssr-1921	29	16	the	the	DET
aijssr-1921	29	17	company	company	NOUN
aijssr-1921	29	18	works	work	VERB
aijssr-1921	29	19	with	with	ADP
aijssr-1921	29	20	several	several	ADJ
aijssr-1921	29	21	different	different	ADJ
aijssr-1921	29	22	intermediaries	intermediary	NOUN
aijssr-1921	29	23	,	,	PUNCT
aijssr-1921	29	24	including	include	VERB
aijssr-1921	29	25	banks	bank	NOUN
aijssr-1921	29	26	.	.	PUNCT
aijssr-1921	30	1	this	this	PRON
aijssr-1921	30	2	is	be	AUX
aijssr-1921	30	3	because	because	SCONJ
aijssr-1921	30	4	of	of	ADP
aijssr-1921	30	5	many	many	ADJ
aijssr-1921	30	6	factors	factor	NOUN
aijssr-1921	30	7	,	,	PUNCT
aijssr-1921	30	8	including	include	VERB
aijssr-1921	30	9	the	the	DET
aijssr-1921	30	10	simplicity	simplicity	NOUN
aijssr-1921	30	11	of	of	ADP
aijssr-1921	30	12	use	use	NOUN
aijssr-1921	30	13	,	,	PUNCT
aijssr-1921	30	14	portability	portability	NOUN
aijssr-1921	30	15	,	,	PUNCT
aijssr-1921	30	16	relief	relief	NOUN
aijssr-1921	30	17	from	from	ADP
aijssr-1921	30	18	the	the	DET
aijssr-1921	30	19	troublesome	troublesome	ADJ
aijssr-1921	30	20	nature	nature	NOUN
aijssr-1921	30	21	of	of	ADP
aijssr-1921	30	22	carrying	carry	VERB
aijssr-1921	30	23	cash	cash	NOUN
aijssr-1921	30	24	,	,	PUNCT
aijssr-1921	30	25	protection	protection	NOUN
aijssr-1921	30	26	of	of	ADP
aijssr-1921	30	27	identification	identification	NOUN
aijssr-1921	30	28	,	,	PUNCT
aijssr-1921	30	29	the	the	DET
aijssr-1921	30	30	convenience	convenience	NOUN
aijssr-1921	30	31	of	of	ADP
aijssr-1921	30	32	electronic	electronic	ADJ
aijssr-1921	30	33	commerce	commerce	NOUN
aijssr-1921	30	34	and	and	CCONJ
aijssr-1921	30	35	online	online	ADJ
aijssr-1921	30	36	transaction	transaction	NOUN
aijssr-1921	30	37	,	,	PUNCT
aijssr-1921	30	38	and	and	CCONJ
aijssr-1921	30	39	so	so	ADV
aijssr-1921	30	40	on	on	ADV
aijssr-1921	30	41	.	.	PUNCT
aijssr-1921	31	1	these	these	DET
aijssr-1921	31	2	factors	factor	NOUN
aijssr-1921	31	3	all	all	PRON
aijssr-1921	31	4	contribute	contribute	VERB
aijssr-1921	31	5	to	to	ADP
aijssr-1921	31	6	this	this	DET
aijssr-1921	31	7	phenomenon	phenomenon	NOUN
aijssr-1921	31	8	.	.	PUNCT
aijssr-1921	32	1	in	in	ADP
aijssr-1921	32	2	1992	1992	NUM
aijssr-1921	32	3	,	,	PUNCT
aijssr-1921	32	4	the	the	DET
aijssr-1921	32	5	organization	organization	NOUN
aijssr-1921	32	6	of	of	ADP
aijssr-1921	32	7	islamic	islamic	ADJ
aijssr-1921	32	8	cooperation	cooperation	NOUN
aijssr-1921	32	9	(	(	PUNCT
aijssr-1921	32	10	oic	oic	PROPN
aijssr-1921	32	11	)	)	PUNCT
aijssr-1921	32	12	fiqh	fiqh	PROPN
aijssr-1921	32	13	academy	academy	PROPN
aijssr-1921	32	14	published	publish	VERB
aijssr-1921	32	15	resolution	resolution	NOUN
aijssr-1921	32	16	no	no	INTJ
aijssr-1921	32	17	.	.	PUNCT
aijssr-1921	33	1	63/1/7	63/1/7	NUM
aijssr-1921	33	2	,	,	PUNCT
aijssr-1921	33	3	which	which	PRON
aijssr-1921	33	4	described	describe	VERB
aijssr-1921	33	5	a	a	DET
aijssr-1921	33	6	credit	credit	NOUN
aijssr-1921	33	7	card	card	NOUN
aijssr-1921	33	8	as	as	ADP
aijssr-1921	33	9	a	a	DET
aijssr-1921	33	10	document	document	NOUN
aijssr-1921	33	11	that	that	PRON
aijssr-1921	33	12	its	its	PRON
aijssr-1921	33	13	issuer	issuer	ADJ
aijssr-1921	33	14	hands	hand	NOUN
aijssr-1921	33	15	to	to	ADP
aijssr-1921	33	16	a	a	DET
aijssr-1921	33	17	mutual	mutual	ADJ
aijssr-1921	33	18	person	person	NOUN
aijssr-1921	33	19	based	base	VERB
aijssr-1921	33	20	on	on	ADP
aijssr-1921	33	21	a	a	DET
aijssr-1921	33	22	contract	contract	NOUN
aijssr-1921	33	23	between	between	ADP
aijssr-1921	33	24	them	they	PRON
aijssr-1921	33	25	.	.	PUNCT
aijssr-1921	34	1	because	because	SCONJ
aijssr-1921	34	2	this	this	DET
aijssr-1921	34	3	document	document	NOUN
aijssr-1921	34	4	includes	include	VERB
aijssr-1921	34	5	the	the	DET
aijssr-1921	34	6	issuer	issuer	NOUN
aijssr-1921	34	7	's	's	PART
aijssr-1921	34	8	commitment	commitment	NOUN
aijssr-1921	34	9	to	to	PART
aijssr-1921	34	10	pay	pay	VERB
aijssr-1921	34	11	for	for	ADP
aijssr-1921	34	12	the	the	DET
aijssr-1921	34	13	goods	good	NOUN
aijssr-1921	34	14	or	or	CCONJ
aijssr-1921	34	15	services	service	NOUN
aijssr-1921	34	16	,	,	PUNCT
aijssr-1921	34	17	it	it	PRON
aijssr-1921	34	18	allows	allow	VERB
aijssr-1921	34	19	the	the	DET
aijssr-1921	34	20	joint	joint	ADJ
aijssr-1921	34	21	person	person	NOUN
aijssr-1921	34	22	to	to	PART
aijssr-1921	34	23	purchase	purchase	VERB
aijssr-1921	34	24	goods	good	NOUN
aijssr-1921	34	25	or	or	CCONJ
aijssr-1921	34	26	services	service	NOUN
aijssr-1921	34	27	from	from	ADP
aijssr-1921	34	28	a	a	DET
aijssr-1921	34	29	vendor	vendor	NOUN
aijssr-1921	34	30	willing	willing	ADJ
aijssr-1921	34	31	to	to	PART
aijssr-1921	34	32	accept	accept	VERB
aijssr-1921	34	33	the	the	DET
aijssr-1921	34	34	document	document	NOUN
aijssr-1921	34	35	without	without	ADP
aijssr-1921	34	36	having	have	VERB
aijssr-1921	34	37	to	to	PART
aijssr-1921	34	38	pay	pay	VERB
aijssr-1921	34	39	1corresponding	1corresponding	NUM
aijssr-1921	34	40	author	author	NOUN
aijssr-1921	34	41	:	:	PUNCT
aijssr-1921	34	42	orcid	orcid	PROPN
aijssr-1921	34	43	i	i	PRON
aijssr-1921	34	44	d	d	NOUN
aijssr-1921	34	45	:	:	PUNCT
aijssr-1921	34	46	0000	0000	NUM
aijssr-1921	34	47	-	-	PUNCT
aijssr-1921	34	48	0003	0003	NUM
aijssr-1921	34	49	-	-	PUNCT
aijssr-1921	34	50	1547	1547	NUM
aijssr-1921	34	51	-	-	PUNCT
aijssr-1921	34	52	157x	157x	NUM
aijssr-1921	34	53	©	©	PROPN
aijssr-1921	34	54	2023	2023	NUM
aijssr-1921	34	55	by	by	ADP
aijssr-1921	34	56	the	the	DET
aijssr-1921	34	57	authors	author	NOUN
aijssr-1921	34	58	.	.	PUNCT
aijssr-1921	35	1	hosting	host	VERB
aijssr-1921	35	2	by	by	ADP
aijssr-1921	35	3	cribfb	cribfb	PROPN
aijssr-1921	35	4	.	.	PUNCT
aijssr-1921	36	1	peer	peer	NOUN
aijssr-1921	36	2	review	review	NOUN
aijssr-1921	36	3	under	under	ADP
aijssr-1921	36	4	responsibility	responsibility	NOUN
aijssr-1921	36	5	of	of	ADP
aijssr-1921	36	6	cribfb	cribfb	PROPN
aijssr-1921	36	7	,	,	PUNCT
aijssr-1921	36	8	usa	usa	PROPN
aijssr-1921	36	9	.	.	PROPN
aijssr-1921	36	10	https://doi.org/10.46281/aijssr.v14i1.1921	https://doi.org/10.46281/aijssr.v14i1.1921	VERB
aijssr-1921	36	11	to	to	PART
aijssr-1921	36	12	cite	cite	VERB
aijssr-1921	36	13	this	this	DET
aijssr-1921	36	14	article	article	NOUN
aijssr-1921	36	15	:	:	PUNCT
aijssr-1921	36	16	chowdhury	chowdhury	PROPN
aijssr-1921	36	17	,	,	PUNCT
aijssr-1921	36	18	m.	m.	NOUN
aijssr-1921	36	19	s.	s.	PROPN
aijssr-1921	36	20	a.	a.	PROPN
aijssr-1921	36	21	,	,	PUNCT
aijssr-1921	36	22	shahabuddin	shahabuddin	NOUN
aijssr-1921	36	23	,	,	PUNCT
aijssr-1921	36	24	a.	a.	NOUN
aijssr-1921	36	25	m.	m.	NOUN
aijssr-1921	36	26	,	,	PUNCT
aijssr-1921	36	27	ullah	ullah	PROPN
aijssr-1921	36	28	,	,	PUNCT
aijssr-1921	36	29	h.	h.	PROPN
aijssr-1921	36	30	,	,	PUNCT
aijssr-1921	36	31	haque	haque	PROPN
aijssr-1921	36	32	,	,	PUNCT
aijssr-1921	36	33	m.	m.	NOUN
aijssr-1921	36	34	s.	s.	PROPN
aijssr-1921	36	35	,	,	PUNCT
aijssr-1921	36	36	&	&	CCONJ
aijssr-1921	36	37	ahmmed	ahmmed	PROPN
aijssr-1921	36	38	,	,	PUNCT
aijssr-1921	36	39	m.	m.	NOUN
aijssr-1921	36	40	(	(	PUNCT
aijssr-1921	36	41	2023	2023	NUM
aijssr-1921	36	42	)	)	PUNCT
aijssr-1921	36	43	.	.	PUNCT
aijssr-1921	37	1	comparative	comparative	ADJ
aijssr-1921	37	2	study	study	NOUN
aijssr-1921	37	3	of	of	ADP
aijssr-1921	37	4	islamic	islamic	ADJ
aijssr-1921	37	5	credit	credit	NOUN
aijssr-1921	37	6	cards	card	NOUN
aijssr-1921	37	7	to	to	PART
aijssr-1921	37	8	be	be	AUX
aijssr-1921	37	9	accepted	accept	VERB
aijssr-1921	37	10	:	:	PUNCT
aijssr-1921	37	11	muslim	muslim	ADJ
aijssr-1921	37	12	consumers	consumer	NOUN
aijssr-1921	37	13	’	’	PART
aijssr-1921	37	14	perceptions	perception	NOUN
aijssr-1921	37	15	.	.	PUNCT
aijssr-1921	38	1	american	american	PROPN
aijssr-1921	38	2	international	international	PROPN
aijssr-1921	38	3	journal	journal	PROPN
aijssr-1921	38	4	of	of	ADP
aijssr-1921	38	5	social	social	ADJ
aijssr-1921	38	6	science	science	NOUN
aijssr-1921	38	7	research	research	NOUN
aijssr-1921	38	8	,	,	PUNCT
aijssr-1921	38	9	14(1	14(1	NUM
aijssr-1921	38	10	)	)	PUNCT
aijssr-1921	38	11	,	,	PUNCT
aijssr-1921	38	12	1	1	NUM
aijssr-1921	38	13	-	-	SYM
aijssr-1921	38	14	8	8	NUM
aijssr-1921	38	15	.	.	PUNCT
aijssr-1921	39	1	https://doi.org/10.46281/aijssr.v14i1.1921	https://doi.org/10.46281/aijssr.v14i1.1921	PROPN
aijssr-1921	39	2	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
aijssr-1921	39	3	)	)	PUNCT
aijssr-1921	39	4	https://doi.org/10.46281/aijssr.v14i1.1921	https://doi.org/10.46281/aijssr.v14i1.1921	VERB
aijssr-1921	39	5	https://orcid.org/0000-0003-1547-157x	https://orcid.org/0000-0003-1547-157x	VERB
aijssr-1921	39	6	https://orcid.org/0000-0002-3471-4445	https://orcid.org/0000-0002-3471-4445	NOUN
aijssr-1921	39	7	https://orcid.org/0000-0002-5477-930x	https://orcid.org/0000-0002-5477-930x	PROPN
aijssr-1921	39	8	https://orcid.org/0000-0002-2692-3634	https://orcid.org/0000-0002-2692-3634	PROPN
aijssr-1921	39	9	https://orcid.org/0000-0003-1128-6078	https://orcid.org/0000-0003-1128-6078	PROPN
aijssr-1921	39	10	chowdhury	chowdhury	PROPN
aijssr-1921	39	11	et	et	PROPN
aijssr-1921	39	12	al	al	PROPN
aijssr-1921	39	13	.	.	PROPN
aijssr-1921	39	14	,	,	PUNCT
aijssr-1921	39	15	american	american	PROPN
aijssr-1921	39	16	international	international	PROPN
aijssr-1921	39	17	journal	journal	PROPN
aijssr-1921	39	18	of	of	ADP
aijssr-1921	39	19	social	social	ADJ
aijssr-1921	39	20	science	science	NOUN
aijssr-1921	39	21	research	research	NOUN
aijssr-1921	39	22	14(1	14(1	NUM
aijssr-1921	39	23	)	)	PUNCT
aijssr-1921	39	24	(	(	PUNCT
aijssr-1921	39	25	2023	2023	NUM
aijssr-1921	39	26	)	)	PUNCT
aijssr-1921	39	27	,	,	PUNCT
aijssr-1921	39	28	1	1	NUM
aijssr-1921	39	29	-	-	SYM
aijssr-1921	39	30	8	8	NUM
aijssr-1921	39	31	2	2	NUM
aijssr-1921	39	32	the	the	DET
aijssr-1921	39	33	total	total	ADJ
aijssr-1921	39	34	price	price	NOUN
aijssr-1921	39	35	at	at	ADP
aijssr-1921	39	36	the	the	DET
aijssr-1921	39	37	time	time	NOUN
aijssr-1921	39	38	of	of	ADP
aijssr-1921	39	39	purchase	purchase	NOUN
aijssr-1921	39	40	.	.	PUNCT
aijssr-1921	40	1	this	this	DET
aijssr-1921	40	2	topic	topic	NOUN
aijssr-1921	40	3	is	be	AUX
aijssr-1921	40	4	selected	select	VERB
aijssr-1921	40	5	as	as	SCONJ
aijssr-1921	40	6	credit	credit	NOUN
aijssr-1921	40	7	cards	card	NOUN
aijssr-1921	40	8	has	have	AUX
aijssr-1921	40	9	become	become	VERB
aijssr-1921	40	10	an	an	DET
aijssr-1921	40	11	essential	essential	ADJ
aijssr-1921	40	12	part	part	NOUN
aijssr-1921	40	13	of	of	ADP
aijssr-1921	40	14	life	life	NOUN
aijssr-1921	40	15	,	,	PUNCT
aijssr-1921	40	16	but	but	CCONJ
aijssr-1921	40	17	muslim	muslim	ADJ
aijssr-1921	40	18	consumer	consumer	NOUN
aijssr-1921	40	19	can	can	AUX
aijssr-1921	40	20	not	not	PART
aijssr-1921	40	21	rush	rush	VERB
aijssr-1921	40	22	for	for	ADP
aijssr-1921	40	23	conventional	conventional	ADJ
aijssr-1921	40	24	ones	one	NOUN
aijssr-1921	40	25	.	.	PUNCT
aijssr-1921	41	1	keeping	keep	VERB
aijssr-1921	41	2	in	in	ADP
aijssr-1921	41	3	mind	mind	NOUN
aijssr-1921	41	4	the	the	DET
aijssr-1921	41	5	muslim	muslim	PROPN
aijssr-1921	41	6	consumer	consumer	NOUN
aijssr-1921	41	7	's	's	PART
aijssr-1921	41	8	needs	need	NOUN
aijssr-1921	41	9	,	,	PUNCT
aijssr-1921	41	10	the	the	DET
aijssr-1921	41	11	study	study	NOUN
aijssr-1921	41	12	aimed	aim	VERB
aijssr-1921	41	13	to	to	PART
aijssr-1921	41	14	find	find	VERB
aijssr-1921	41	15	the	the	DET
aijssr-1921	41	16	best	good	ADJ
aijssr-1921	41	17	alternative	alternative	NOUN
aijssr-1921	41	18	.	.	PUNCT
aijssr-1921	42	1	at	at	ADV
aijssr-1921	42	2	least	least	ADV
aijssr-1921	42	3	three	three	NUM
aijssr-1921	42	4	of	of	ADP
aijssr-1921	42	5	the	the	DET
aijssr-1921	42	6	criteria	criterion	NOUN
aijssr-1921	42	7	that	that	PRON
aijssr-1921	42	8	have	have	AUX
aijssr-1921	42	9	been	be	AUX
aijssr-1921	42	10	defined	define	VERB
aijssr-1921	42	11	as	as	ADP
aijssr-1921	42	12	standards	standard	NOUN
aijssr-1921	42	13	by	by	ADP
aijssr-1921	42	14	islamic	islamic	ADJ
aijssr-1921	42	15	principles	principle	NOUN
aijssr-1921	42	16	can	can	AUX
aijssr-1921	42	17	be	be	AUX
aijssr-1921	42	18	met	meet	VERB
aijssr-1921	42	19	by	by	ADP
aijssr-1921	42	20	a	a	DET
aijssr-1921	42	21	payment	payment	NOUN
aijssr-1921	42	22	method	method	NOUN
aijssr-1921	42	23	in	in	ADP
aijssr-1921	42	24	order	order	NOUN
aijssr-1921	42	25	for	for	SCONJ
aijssr-1921	42	26	it	it	PRON
aijssr-1921	42	27	to	to	PART
aijssr-1921	42	28	be	be	AUX
aijssr-1921	42	29	considered	consider	VERB
aijssr-1921	42	30	an	an	DET
aijssr-1921	42	31	islamic	islamic	ADJ
aijssr-1921	42	32	credit	credit	NOUN
aijssr-1921	42	33	card	card	NOUN
aijssr-1921	42	34	.	.	PUNCT
aijssr-1921	43	1	to	to	PART
aijssr-1921	43	2	begin	begin	VERB
aijssr-1921	43	3	,	,	PUNCT
aijssr-1921	43	4	the	the	DET
aijssr-1921	43	5	sharia	sharia	PROPN
aijssr-1921	43	6	standards	standard	NOUN
aijssr-1921	43	7	that	that	PRON
aijssr-1921	43	8	regulate	regulate	VERB
aijssr-1921	43	9	lending	lending	NOUN
aijssr-1921	43	10	must	must	AUX
aijssr-1921	43	11	be	be	AUX
aijssr-1921	43	12	met	meet	VERB
aijssr-1921	43	13	for	for	SCONJ
aijssr-1921	43	14	the	the	DET
aijssr-1921	43	15	credit	credit	NOUN
aijssr-1921	43	16	card	card	NOUN
aijssr-1921	43	17	to	to	PART
aijssr-1921	43	18	be	be	AUX
aijssr-1921	43	19	acceptable	acceptable	ADJ
aijssr-1921	43	20	.	.	PUNCT
aijssr-1921	44	1	these	these	DET
aijssr-1921	44	2	requirements	requirement	NOUN
aijssr-1921	44	3	may	may	AUX
aijssr-1921	44	4	be	be	AUX
aijssr-1921	44	5	different	different	ADJ
aijssr-1921	44	6	depending	depend	VERB
aijssr-1921	44	7	on	on	ADP
aijssr-1921	44	8	where	where	SCONJ
aijssr-1921	44	9	you	you	PRON
aijssr-1921	44	10	live	live	VERB
aijssr-1921	44	11	in	in	ADP
aijssr-1921	44	12	the	the	DET
aijssr-1921	44	13	world	world	NOUN
aijssr-1921	44	14	.	.	PUNCT
aijssr-1921	45	1	the	the	DET
aijssr-1921	45	2	three	three	NUM
aijssr-1921	45	3	fundamental	fundamental	ADJ
aijssr-1921	45	4	restrictions	restriction	NOUN
aijssr-1921	45	5	that	that	PRON
aijssr-1921	45	6	are	be	AUX
aijssr-1921	45	7	stipulated	stipulate	VERB
aijssr-1921	45	8	by	by	ADP
aijssr-1921	45	9	islamic	islamic	ADJ
aijssr-1921	45	10	money	money	NOUN
aijssr-1921	45	11	are	be	AUX
aijssr-1921	45	12	known	know	VERB
aijssr-1921	45	13	as	as	ADP
aijssr-1921	45	14	riba	riba	NOUN
aijssr-1921	45	15	,	,	PUNCT
aijssr-1921	45	16	gharar	gharar	NOUN
aijssr-1921	45	17	,	,	PUNCT
aijssr-1921	45	18	and	and	CCONJ
aijssr-1921	45	19	may	may	AUX
aijssr-1921	45	20	.	.	PUNCT
aijssr-1921	46	1	avoidance	avoidance	NOUN
aijssr-1921	46	2	of	of	ADP
aijssr-1921	46	3	these	these	DET
aijssr-1921	46	4	three	three	NUM
aijssr-1921	46	5	primary	primary	ADJ
aijssr-1921	46	6	constraints	constraint	NOUN
aijssr-1921	46	7	,	,	PUNCT
aijssr-1921	46	8	specified	specify	VERB
aijssr-1921	46	9	in	in	ADP
aijssr-1921	46	10	islamic	islamic	ADJ
aijssr-1921	46	11	finance	finance	NOUN
aijssr-1921	46	12	,	,	PUNCT
aijssr-1921	46	13	is	be	AUX
aijssr-1921	46	14	necessary	necessary	ADJ
aijssr-1921	46	15	on	on	ADP
aijssr-1921	46	16	a	a	DET
aijssr-1921	46	17	general	general	ADJ
aijssr-1921	46	18	basis	basis	NOUN
aijssr-1921	46	19	.	.	PUNCT
aijssr-1921	47	1	riba	riba	PROPN
aijssr-1921	47	2	is	be	AUX
aijssr-1921	47	3	a	a	DET
aijssr-1921	47	4	type	type	NOUN
aijssr-1921	47	5	of	of	ADP
aijssr-1921	47	6	interest	interest	NOUN
aijssr-1921	47	7	paid	pay	VERB
aijssr-1921	47	8	to	to	ADP
aijssr-1921	47	9	the	the	DET
aijssr-1921	47	10	lender	lender	NOUN
aijssr-1921	47	11	at	at	ADP
aijssr-1921	47	12	a	a	DET
aijssr-1921	47	13	rate	rate	NOUN
aijssr-1921	47	14	more	more	ADV
aijssr-1921	47	15	significant	significant	ADJ
aijssr-1921	47	16	than	than	ADP
aijssr-1921	47	17	the	the	DET
aijssr-1921	47	18	market	market	NOUN
aijssr-1921	47	19	rate	rate	NOUN
aijssr-1921	47	20	when	when	SCONJ
aijssr-1921	47	21	the	the	DET
aijssr-1921	47	22	loan	loan	NOUN
aijssr-1921	47	23	originated	originate	VERB
aijssr-1921	47	24	(	(	PUNCT
aijssr-1921	47	25	p.b.u.h	p.b.u.h	PROPN
aijssr-1921	47	26	.	.	PUNCT
aijssr-1921	47	27	)	)	PUNCT
aijssr-1921	47	28	.	.	PUNCT
aijssr-1921	48	1	because	because	SCONJ
aijssr-1921	48	2	of	of	ADP
aijssr-1921	48	3	this	this	PRON
aijssr-1921	48	4	,	,	PUNCT
aijssr-1921	48	5	it	it	PRON
aijssr-1921	48	6	is	be	AUX
aijssr-1921	48	7	against	against	ADP
aijssr-1921	48	8	the	the	DET
aijssr-1921	48	9	guidelines	guideline	NOUN
aijssr-1921	48	10	for	for	ADP
aijssr-1921	48	11	an	an	DET
aijssr-1921	48	12	islamic	islamic	ADJ
aijssr-1921	48	13	credit	credit	NOUN
aijssr-1921	48	14	card	card	NOUN
aijssr-1921	48	15	to	to	PART
aijssr-1921	48	16	add	add	VERB
aijssr-1921	48	17	any	any	DET
aijssr-1921	48	18	interest	interest	NOUN
aijssr-1921	48	19	costs	cost	NOUN
aijssr-1921	48	20	to	to	ADP
aijssr-1921	48	21	the	the	DET
aijssr-1921	48	22	cardholder	cardholder	NOUN
aijssr-1921	48	23	's	's	PART
aijssr-1921	48	24	balance	balance	NOUN
aijssr-1921	48	25	,	,	PUNCT
aijssr-1921	48	26	which	which	PRON
aijssr-1921	48	27	is	be	AUX
aijssr-1921	48	28	the	the	DET
aijssr-1921	48	29	case	case	NOUN
aijssr-1921	48	30	regardless	regardless	ADV
aijssr-1921	48	31	of	of	ADP
aijssr-1921	48	32	whether	whether	SCONJ
aijssr-1921	48	33	or	or	CCONJ
aijssr-1921	48	34	not	not	PART
aijssr-1921	48	35	the	the	DET
aijssr-1921	48	36	cardholder	cardholder	NOUN
aijssr-1921	48	37	is	be	AUX
aijssr-1921	48	38	late	late	ADJ
aijssr-1921	48	39	with	with	ADP
aijssr-1921	48	40	their	their	PRON
aijssr-1921	48	41	payments	payment	NOUN
aijssr-1921	48	42	.	.	PUNCT
aijssr-1921	49	1	when	when	SCONJ
aijssr-1921	49	2	using	use	VERB
aijssr-1921	49	3	an	an	DET
aijssr-1921	49	4	islamic	islamic	ADJ
aijssr-1921	49	5	credit	credit	NOUN
aijssr-1921	49	6	card	card	NOUN
aijssr-1921	49	7	to	to	PART
aijssr-1921	49	8	make	make	VERB
aijssr-1921	49	9	purchases	purchase	NOUN
aijssr-1921	49	10	,	,	PUNCT
aijssr-1921	49	11	it	it	PRON
aijssr-1921	49	12	is	be	AUX
aijssr-1921	49	13	essential	essential	ADJ
aijssr-1921	49	14	to	to	PART
aijssr-1921	49	15	avoid	avoid	VERB
aijssr-1921	49	16	any	any	DET
aijssr-1921	49	17	scenarios	scenario	NOUN
aijssr-1921	49	18	that	that	PRON
aijssr-1921	49	19	include	include	VERB
aijssr-1921	49	20	gharar	gharar	NOUN
aijssr-1921	49	21	,	,	PUNCT
aijssr-1921	49	22	synonymous	synonymous	ADJ
aijssr-1921	49	23	with	with	ADP
aijssr-1921	49	24	ambiguity	ambiguity	NOUN
aijssr-1921	49	25	.	.	PUNCT
aijssr-1921	50	1	one	one	NUM
aijssr-1921	50	2	way	way	NOUN
aijssr-1921	50	3	this	this	PRON
aijssr-1921	50	4	may	may	AUX
aijssr-1921	50	5	be	be	AUX
aijssr-1921	50	6	done	do	VERB
aijssr-1921	50	7	is	be	AUX
aijssr-1921	50	8	to	to	PART
aijssr-1921	50	9	eliminate	eliminate	VERB
aijssr-1921	50	10	a	a	DET
aijssr-1921	50	11	billing	billing	NOUN
aijssr-1921	50	12	plan	plan	NOUN
aijssr-1921	50	13	in	in	ADP
aijssr-1921	50	14	which	which	PRON
aijssr-1921	50	15	the	the	DET
aijssr-1921	50	16	monthly	monthly	ADJ
aijssr-1921	50	17	payback	payback	NOUN
aijssr-1921	50	18	or	or	CCONJ
aijssr-1921	50	19	service	service	NOUN
aijssr-1921	50	20	costs	cost	NOUN
aijssr-1921	50	21	are	be	AUX
aijssr-1921	50	22	changeable	changeable	ADJ
aijssr-1921	50	23	and	and	CCONJ
aijssr-1921	50	24	dependent	dependent	ADJ
aijssr-1921	50	25	on	on	ADP
aijssr-1921	50	26	various	various	ADJ
aijssr-1921	50	27	situations	situation	NOUN
aijssr-1921	50	28	.	.	PUNCT
aijssr-1921	51	1	another	another	DET
aijssr-1921	51	2	way	way	NOUN
aijssr-1921	51	3	this	this	PRON
aijssr-1921	51	4	may	may	AUX
aijssr-1921	51	5	be	be	AUX
aijssr-1921	51	6	accomplished	accomplish	VERB
aijssr-1921	51	7	is	be	AUX
aijssr-1921	51	8	by	by	ADP
aijssr-1921	51	9	reducing	reduce	VERB
aijssr-1921	51	10	the	the	DET
aijssr-1921	51	11	number	number	NOUN
aijssr-1921	51	12	of	of	ADP
aijssr-1921	51	13	considered	consider	VERB
aijssr-1921	51	14	variables	variable	NOUN
aijssr-1921	51	15	.	.	PUNCT
aijssr-1921	52	1	it	it	PRON
aijssr-1921	52	2	is	be	AUX
aijssr-1921	52	3	forbidden	forbid	VERB
aijssr-1921	52	4	to	to	PART
aijssr-1921	52	5	engage	engage	VERB
aijssr-1921	52	6	in	in	ADP
aijssr-1921	52	7	may	may	PROPN
aijssr-1921	52	8	,	,	PUNCT
aijssr-1921	52	9	which	which	PRON
aijssr-1921	52	10	is	be	AUX
aijssr-1921	52	11	more	more	ADV
aijssr-1921	52	12	commonly	commonly	ADV
aijssr-1921	52	13	known	know	VERB
aijssr-1921	52	14	as	as	ADP
aijssr-1921	52	15	gambling	gambling	NOUN
aijssr-1921	52	16	.	.	PUNCT
aijssr-1921	53	1	the	the	DET
aijssr-1921	53	2	bearer	bearer	NOUN
aijssr-1921	53	3	of	of	ADP
aijssr-1921	53	4	an	an	DET
aijssr-1921	53	5	islamic	islamic	ADJ
aijssr-1921	53	6	card	card	NOUN
aijssr-1921	53	7	is	be	AUX
aijssr-1921	53	8	barred	bar	VERB
aijssr-1921	53	9	from	from	ADP
aijssr-1921	53	10	accessing	access	VERB
aijssr-1921	53	11	specific	specific	ADJ
aijssr-1921	53	12	websites	website	NOUN
aijssr-1921	53	13	,	,	PUNCT
aijssr-1921	53	14	such	such	ADJ
aijssr-1921	53	15	as	as	ADP
aijssr-1921	53	16	those	those	PRON
aijssr-1921	53	17	that	that	PRON
aijssr-1921	53	18	make	make	VERB
aijssr-1921	53	19	it	it	PRON
aijssr-1921	53	20	possible	possible	ADJ
aijssr-1921	53	21	to	to	PART
aijssr-1921	53	22	gamble	gamble	VERB
aijssr-1921	53	23	online	online	ADV
aijssr-1921	53	24	.	.	PUNCT
aijssr-1921	54	1	the	the	DET
aijssr-1921	54	2	study	study	NOUN
aijssr-1921	54	3	was	be	AUX
aijssr-1921	54	4	based	base	VERB
aijssr-1921	54	5	on	on	ADP
aijssr-1921	54	6	case	case	NOUN
aijssr-1921	54	7	studies	study	NOUN
aijssr-1921	54	8	and	and	CCONJ
aijssr-1921	54	9	analyzing	analyze	VERB
aijssr-1921	54	10	different	different	ADJ
aijssr-1921	54	11	concepts	concept	NOUN
aijssr-1921	54	12	on	on	ADP
aijssr-1921	54	13	credit	credit	NOUN
aijssr-1921	54	14	cards	card	NOUN
aijssr-1921	54	15	,	,	PUNCT
aijssr-1921	54	16	both	both	CCONJ
aijssr-1921	54	17	islamic	islamic	ADJ
aijssr-1921	54	18	and	and	CCONJ
aijssr-1921	54	19	interestbased	interestbase	VERB
aijssr-1921	54	20	.	.	PUNCT
aijssr-1921	55	1	a	a	DET
aijssr-1921	55	2	descriptive	descriptive	ADJ
aijssr-1921	55	3	approach	approach	NOUN
aijssr-1921	55	4	was	be	AUX
aijssr-1921	55	5	followed	follow	VERB
aijssr-1921	55	6	.	.	PUNCT
aijssr-1921	56	1	comparatively	comparatively	ADV
aijssr-1921	56	2	;	;	PUNCT
aijssr-1921	56	3	few	few	ADJ
aijssr-1921	56	4	studies	study	NOUN
aijssr-1921	56	5	have	have	AUX
aijssr-1921	56	6	looked	look	VERB
aijssr-1921	56	7	into	into	ADP
aijssr-1921	56	8	how	how	SCONJ
aijssr-1921	56	9	sharia	sharia	PROPN
aijssr-1921	56	10	conformity	conformity	NOUN
aijssr-1921	56	11	affects	affect	VERB
aijssr-1921	56	12	people	people	NOUN
aijssr-1921	56	13	's	's	PART
aijssr-1921	56	14	attitudes	attitude	NOUN
aijssr-1921	56	15	toward	toward	ADP
aijssr-1921	56	16	international	international	ADJ
aijssr-1921	56	17	criminal	criminal	ADJ
aijssr-1921	56	18	courts	court	NOUN
aijssr-1921	56	19	.	.	PUNCT
aijssr-1921	57	1	multiple	multiple	ADJ
aijssr-1921	57	2	studies	study	NOUN
aijssr-1921	57	3	have	have	AUX
aijssr-1921	57	4	shown	show	VERB
aijssr-1921	57	5	that	that	SCONJ
aijssr-1921	57	6	the	the	DET
aijssr-1921	57	7	majority	majority	NOUN
aijssr-1921	57	8	of	of	ADP
aijssr-1921	57	9	credit	credit	NOUN
aijssr-1921	57	10	card	card	NOUN
aijssr-1921	57	11	users	user	NOUN
aijssr-1921	57	12	have	have	VERB
aijssr-1921	57	13	little	little	ADJ
aijssr-1921	57	14	awareness	awareness	NOUN
aijssr-1921	57	15	of	of	ADP
aijssr-1921	57	16	the	the	DET
aijssr-1921	57	17	product	product	NOUN
aijssr-1921	57	18	structure	structure	NOUN
aijssr-1921	57	19	of	of	ADP
aijssr-1921	57	20	icc	icc	PROPN
aijssr-1921	57	21	and	and	CCONJ
aijssr-1921	57	22	an	an	DET
aijssr-1921	57	23	understanding	understanding	NOUN
aijssr-1921	57	24	of	of	ADP
aijssr-1921	57	25	sharia	sharia	PROPN
aijssr-1921	57	26	compliance	compliance	NOUN
aijssr-1921	57	27	,	,	PUNCT
aijssr-1921	57	28	which	which	PRON
aijssr-1921	57	29	may	may	AUX
aijssr-1921	57	30	explain	explain	VERB
aijssr-1921	57	31	why	why	SCONJ
aijssr-1921	57	32	icc	icc	PROPN
aijssr-1921	57	33	has	have	AUX
aijssr-1921	57	34	not	not	PART
aijssr-1921	57	35	been	be	AUX
aijssr-1921	57	36	as	as	ADV
aijssr-1921	57	37	successful	successful	ADJ
aijssr-1921	57	38	as	as	ADP
aijssr-1921	57	39	ccc	ccc	PROPN
aijssr-1921	57	40	within	within	ADP
aijssr-1921	57	41	the	the	DET
aijssr-1921	57	42	muslim	muslim	ADJ
aijssr-1921	57	43	population	population	NOUN
aijssr-1921	57	44	solely	solely	ADV
aijssr-1921	57	45	.	.	PUNCT
aijssr-1921	58	1	this	this	PRON
aijssr-1921	58	2	is	be	AUX
aijssr-1921	58	3	because	because	SCONJ
aijssr-1921	58	4	icc	icc	PROPN
aijssr-1921	58	5	has	have	VERB
aijssr-1921	58	6	yet	yet	ADV
aijssr-1921	58	7	to	to	PART
aijssr-1921	58	8	be	be	AUX
aijssr-1921	58	9	as	as	ADV
aijssr-1921	58	10	well	well	ADV
aijssr-1921	58	11	-	-	PUNCT
aijssr-1921	58	12	liked	like	VERB
aijssr-1921	58	13	as	as	ADP
aijssr-1921	58	14	ccc	ccc	PROPN
aijssr-1921	58	15	.	.	PUNCT
aijssr-1921	59	1	riba	riba	PROPN
aijssr-1921	59	2	nasi'ah	nasi'ah	PROPN
aijssr-1921	59	3	is	be	AUX
aijssr-1921	59	4	a	a	DET
aijssr-1921	59	5	legal	legal	ADJ
aijssr-1921	59	6	classification	classification	NOUN
aijssr-1921	59	7	for	for	ADP
aijssr-1921	59	8	fees	fee	NOUN
aijssr-1921	59	9	that	that	PRON
aijssr-1921	59	10	are	be	AUX
aijssr-1921	59	11	added	add	VERB
aijssr-1921	59	12	to	to	ADP
aijssr-1921	59	13	the	the	DET
aijssr-1921	59	14	outstanding	outstanding	ADJ
aijssr-1921	59	15	balance	balance	NOUN
aijssr-1921	59	16	.	.	PUNCT
aijssr-1921	60	1	this	this	DET
aijssr-1921	60	2	study	study	NOUN
aijssr-1921	60	3	first	first	ADV
aijssr-1921	60	4	evaluated	evaluate	VERB
aijssr-1921	60	5	the	the	DET
aijssr-1921	60	6	principles	principle	NOUN
aijssr-1921	60	7	of	of	ADP
aijssr-1921	60	8	the	the	DET
aijssr-1921	60	9	quran	quran	PROPN
aijssr-1921	60	10	and	and	CCONJ
aijssr-1921	60	11	hadith	hadith	NOUN
aijssr-1921	60	12	regarding	regard	VERB
aijssr-1921	60	13	riba	riba	NOUN
aijssr-1921	60	14	and	and	CCONJ
aijssr-1921	60	15	debt	debt	NOUN
aijssr-1921	60	16	.	.	PUNCT
aijssr-1921	61	1	secondly	secondly	ADV
aijssr-1921	61	2	,	,	PUNCT
aijssr-1921	61	3	the	the	DET
aijssr-1921	61	4	available	available	ADJ
aijssr-1921	61	5	concepts	concept	NOUN
aijssr-1921	61	6	are	be	AUX
aijssr-1921	61	7	discussed	discuss	VERB
aijssr-1921	61	8	,	,	PUNCT
aijssr-1921	61	9	and	and	CCONJ
aijssr-1921	61	10	finally	finally	ADV
aijssr-1921	61	11	,	,	PUNCT
aijssr-1921	61	12	the	the	DET
aijssr-1921	61	13	arguments	argument	NOUN
aijssr-1921	61	14	for	for	ADP
aijssr-1921	61	15	the	the	DET
aijssr-1921	61	16	best	good	ADJ
aijssr-1921	61	17	alternative	alternative	NOUN
aijssr-1921	61	18	are	be	AUX
aijssr-1921	61	19	highlighted	highlight	VERB
aijssr-1921	61	20	.	.	PUNCT
aijssr-1921	62	1	however	however	ADV
aijssr-1921	62	2	,	,	PUNCT
aijssr-1921	62	3	islamic	islamic	ADJ
aijssr-1921	62	4	bankers	banker	NOUN
aijssr-1921	62	5	and	and	CCONJ
aijssr-1921	62	6	shara	shara	PROPN
aijssr-1921	62	7	scholars	scholar	NOUN
aijssr-1921	62	8	have	have	AUX
aijssr-1921	62	9	concluded	conclude	VERB
aijssr-1921	62	10	that	that	SCONJ
aijssr-1921	62	11	offering	offer	VERB
aijssr-1921	62	12	an	an	DET
aijssr-1921	62	13	option	option	NOUN
aijssr-1921	62	14	to	to	ADP
aijssr-1921	62	15	the	the	DET
aijssr-1921	62	16	traditional	traditional	ADJ
aijssr-1921	62	17	credit	credit	NOUN
aijssr-1921	62	18	card	card	NOUN
aijssr-1921	62	19	is	be	AUX
aijssr-1921	62	20	necessary	necessary	ADJ
aijssr-1921	62	21	to	to	PART
aijssr-1921	62	22	appease	appease	VERB
aijssr-1921	62	23	their	their	PRON
aijssr-1921	62	24	"	"	PUNCT
aijssr-1921	62	25	islamic	islamic	ADJ
aijssr-1921	62	26	"	"	PUNCT
aijssr-1921	62	27	clients	client	NOUN
aijssr-1921	62	28	and	and	CCONJ
aijssr-1921	62	29	be	be	AUX
aijssr-1921	62	30	more	more	ADV
aijssr-1921	62	31	competitive	competitive	ADJ
aijssr-1921	62	32	in	in	ADP
aijssr-1921	62	33	the	the	DET
aijssr-1921	62	34	market	market	NOUN
aijssr-1921	62	35	.	.	PUNCT
aijssr-1921	63	1	this	this	PRON
aijssr-1921	63	2	is	be	AUX
aijssr-1921	63	3	done	do	VERB
aijssr-1921	63	4	to	to	PART
aijssr-1921	63	5	increase	increase	VERB
aijssr-1921	63	6	market	market	NOUN
aijssr-1921	63	7	share	share	NOUN
aijssr-1921	63	8	.	.	PUNCT
aijssr-1921	64	1	one	one	NUM
aijssr-1921	64	2	of	of	ADP
aijssr-1921	64	3	the	the	DET
aijssr-1921	64	4	most	most	ADV
aijssr-1921	64	5	recent	recent	ADJ
aijssr-1921	64	6	developments	development	NOUN
aijssr-1921	64	7	in	in	ADP
aijssr-1921	64	8	islamic	islamic	ADJ
aijssr-1921	64	9	financial	financial	ADJ
aijssr-1921	64	10	engineering	engineering	NOUN
aijssr-1921	64	11	is	be	AUX
aijssr-1921	64	12	the	the	DET
aijssr-1921	64	13	introduction	introduction	NOUN
aijssr-1921	64	14	of	of	ADP
aijssr-1921	64	15	credit	credit	NOUN
aijssr-1921	64	16	cards	card	NOUN
aijssr-1921	64	17	by	by	ADP
aijssr-1921	64	18	islamic	islamic	ADJ
aijssr-1921	64	19	law	law	NOUN
aijssr-1921	64	20	.	.	PUNCT
aijssr-1921	65	1	the	the	DET
aijssr-1921	65	2	idea	idea	NOUN
aijssr-1921	65	3	of	of	ADP
aijssr-1921	65	4	an	an	DET
aijssr-1921	65	5	islamic	islamic	ADJ
aijssr-1921	65	6	credit	credit	NOUN
aijssr-1921	65	7	card	card	NOUN
aijssr-1921	65	8	has	have	AUX
aijssr-1921	65	9	garnered	garner	VERB
aijssr-1921	65	10	much	much	ADJ
aijssr-1921	65	11	interest	interest	NOUN
aijssr-1921	65	12	from	from	ADP
aijssr-1921	65	13	shara	shara	PROPN
aijssr-1921	65	14	scholars	scholars	PROPN
aijssr-1921	65	15	.	.	PUNCT
aijssr-1921	66	1	these	these	DET
aijssr-1921	66	2	individuals	individual	NOUN
aijssr-1921	66	3	have	have	AUX
aijssr-1921	66	4	formed	form	VERB
aijssr-1921	66	5	opinions	opinion	NOUN
aijssr-1921	66	6	regarding	regard	VERB
aijssr-1921	66	7	the	the	DET
aijssr-1921	66	8	islamic	islamic	ADJ
aijssr-1921	66	9	credit	credit	NOUN
aijssr-1921	66	10	card	card	NOUN
aijssr-1921	66	11	's	's	PART
aijssr-1921	66	12	inherent	inherent	ADJ
aijssr-1921	66	13	nature	nature	NOUN
aijssr-1921	66	14	and	and	CCONJ
aijssr-1921	66	15	characteristics	characteristic	NOUN
aijssr-1921	66	16	and	and	CCONJ
aijssr-1921	66	17	the	the	DET
aijssr-1921	66	18	factors	factor	NOUN
aijssr-1921	66	19	that	that	PRON
aijssr-1921	66	20	make	make	VERB
aijssr-1921	66	21	its	its	PRON
aijssr-1921	66	22	returns	return	NOUN
aijssr-1921	66	23	permissible	permissible	ADJ
aijssr-1921	66	24	from	from	ADP
aijssr-1921	66	25	a	a	DET
aijssr-1921	66	26	shara	shara	NOUN
aijssr-1921	66	27	perspective	perspective	PROPN
aijssr-1921	66	28	.	.	PUNCT
aijssr-1921	67	1	literature	literature	NOUN
aijssr-1921	67	2	review	review	NOUN
aijssr-1921	67	3	researchers	researcher	NOUN
aijssr-1921	67	4	from	from	ADP
aijssr-1921	67	5	malaysia	malaysia	PROPN
aijssr-1921	67	6	conducted	conduct	VERB
aijssr-1921	67	7	studies	study	NOUN
aijssr-1921	67	8	in	in	ADP
aijssr-1921	67	9	2017	2017	NUM
aijssr-1921	67	10	to	to	PART
aijssr-1921	67	11	investigate	investigate	VERB
aijssr-1921	67	12	developing	develop	VERB
aijssr-1921	67	13	trends	trend	NOUN
aijssr-1921	67	14	in	in	ADP
aijssr-1921	67	15	using	use	VERB
aijssr-1921	67	16	islamic	islamic	ADJ
aijssr-1921	67	17	banking	banking	NOUN
aijssr-1921	67	18	as	as	ADP
aijssr-1921	67	19	the	the	DET
aijssr-1921	67	20	basis	basis	NOUN
aijssr-1921	67	21	for	for	ADP
aijssr-1921	67	22	islamic	islamic	ADJ
aijssr-1921	67	23	credit	credit	NOUN
aijssr-1921	67	24	card	card	NOUN
aijssr-1921	67	25	products	product	NOUN
aijssr-1921	67	26	.	.	PUNCT
aijssr-1921	68	1	in	in	ADP
aijssr-1921	68	2	2020	2020	NUM
aijssr-1921	68	3	,	,	PUNCT
aijssr-1921	68	4	ahmed	ahmed	PROPN
aijssr-1921	68	5	m.	m.	PROPN
aijssr-1921	68	6	alkhan	alkhan	PROPN
aijssr-1921	68	7	,	,	PUNCT
aijssr-1921	68	8	m.	m.	NOUN
aijssr-1921	68	9	kabir	kabir	PROPN
aijssr-1921	68	10	hassan	hassan	PROPN
aijssr-1921	68	11	,	,	PUNCT
aijssr-1921	68	12	and	and	CCONJ
aijssr-1921	68	13	rashedul	rashedul	PROPN
aijssr-1921	68	14	hasan	hasan	PROPN
aijssr-1921	68	15	took	take	VERB
aijssr-1921	68	16	the	the	DET
aijssr-1921	68	17	initiative	initiative	NOUN
aijssr-1921	68	18	to	to	PART
aijssr-1921	68	19	research	research	VERB
aijssr-1921	68	20	the	the	DET
aijssr-1921	68	21	implementation	implementation	NOUN
aijssr-1921	68	22	of	of	ADP
aijssr-1921	68	23	an	an	DET
aijssr-1921	68	24	islamic	islamic	ADJ
aijssr-1921	68	25	credit	credit	NOUN
aijssr-1921	68	26	card	card	NOUN
aijssr-1921	68	27	(	(	PUNCT
aijssr-1921	68	28	also	also	ADV
aijssr-1921	68	29	known	know	VERB
aijssr-1921	68	30	as	as	ADP
aijssr-1921	68	31	a	a	DET
aijssr-1921	68	32	mushraka	mushraka	NOUN
aijssr-1921	68	33	card	card	NOUN
aijssr-1921	68	34	)	)	PUNCT
aijssr-1921	68	35	,	,	PUNCT
aijssr-1921	68	36	which	which	PRON
aijssr-1921	68	37	would	would	AUX
aijssr-1921	68	38	be	be	AUX
aijssr-1921	68	39	founded	found	VERB
aijssr-1921	68	40	on	on	ADP
aijssr-1921	68	41	the	the	DET
aijssr-1921	68	42	islamic	islamic	ADJ
aijssr-1921	68	43	principles	principle	NOUN
aijssr-1921	68	44	of	of	ADP
aijssr-1921	68	45	mushraka	mushraka	NOUN
aijssr-1921	68	46	mutanqisa.a	mutanqisa.a	X
aijssr-1921	68	47	qualitative	qualitative	ADJ
aijssr-1921	68	48	approach	approach	NOUN
aijssr-1921	68	49	was	be	AUX
aijssr-1921	68	50	used	use	VERB
aijssr-1921	68	51	for	for	ADP
aijssr-1921	68	52	this	this	PRON
aijssr-1921	68	53	(	(	PUNCT
aijssr-1921	68	54	alkhan	alkhan	ADV
aijssr-1921	68	55	et	et	PROPN
aijssr-1921	68	56	al	al	PROPN
aijssr-1921	68	57	.	.	PROPN
aijssr-1921	68	58	,	,	PUNCT
aijssr-1921	68	59	2020	2020	NUM
aijssr-1921	68	60	)	)	PUNCT
aijssr-1921	68	61	.	.	PUNCT
aijssr-1921	69	1	furthermore	furthermore	ADV
aijssr-1921	69	2	,	,	PUNCT
aijssr-1921	69	3	monzer	monzer	NOUN
aijssr-1921	69	4	kahf	kahf	NOUN
aijssr-1921	69	5	and	and	CCONJ
aijssr-1921	69	6	amiirah	amiirah	PROPN
aijssr-1921	69	7	nabee	nabee	PROPN
aijssr-1921	69	8	mohomed	mohomed	PROPN
aijssr-1921	69	9	detailed	detail	VERB
aijssr-1921	69	10	the	the	DET
aijssr-1921	69	11	results	result	NOUN
aijssr-1921	69	12	of	of	ADP
aijssr-1921	69	13	an	an	DET
aijssr-1921	69	14	optional	optional	ADJ
aijssr-1921	69	15	interest	interest	NOUN
aijssr-1921	69	16	provision	provision	NOUN
aijssr-1921	69	17	in	in	ADP
aijssr-1921	69	18	a	a	DET
aijssr-1921	69	19	2016	2016	NUM
aijssr-1921	69	20	article	article	NOUN
aijssr-1921	69	21	discussing	discuss	VERB
aijssr-1921	69	22	the	the	DET
aijssr-1921	69	23	most	most	ADV
aijssr-1921	69	24	recent	recent	ADJ
aijssr-1921	69	25	issues	issue	NOUN
aijssr-1921	69	26	with	with	ADP
aijssr-1921	69	27	credit	credit	NOUN
aijssr-1921	69	28	cards	card	NOUN
aijssr-1921	69	29	from	from	ADP
aijssr-1921	69	30	the	the	DET
aijssr-1921	69	31	viewpoints	viewpoint	NOUN
aijssr-1921	69	32	of	of	ADP
aijssr-1921	69	33	economics	economic	NOUN
aijssr-1921	69	34	and	and	CCONJ
aijssr-1921	69	35	shara	shara	NOUN
aijssr-1921	69	36	.	.	PUNCT
aijssr-1921	70	1	researchers	researcher	NOUN
aijssr-1921	70	2	found	find	VERB
aijssr-1921	70	3	that	that	SCONJ
aijssr-1921	70	4	islamic	islamic	ADJ
aijssr-1921	70	5	banks	bank	NOUN
aijssr-1921	70	6	are	be	AUX
aijssr-1921	70	7	trying	try	VERB
aijssr-1921	70	8	to	to	PART
aijssr-1921	70	9	acquire	acquire	VERB
aijssr-1921	70	10	a	a	DET
aijssr-1921	70	11	suitable	suitable	ADJ
aijssr-1921	70	12	approach	approach	NOUN
aijssr-1921	70	13	to	to	PART
aijssr-1921	70	14	guarantee	guarantee	VERB
aijssr-1921	70	15	a	a	DET
aijssr-1921	70	16	lucrative	lucrative	ADJ
aijssr-1921	70	17	and	and	CCONJ
aijssr-1921	70	18	functional	functional	ADJ
aijssr-1921	70	19	islamic	islamic	ADJ
aijssr-1921	70	20	credit	credit	NOUN
aijssr-1921	70	21	card	card	NOUN
aijssr-1921	70	22	facility	facility	NOUN
aijssr-1921	70	23	by	by	ADP
aijssr-1921	70	24	examining	examine	VERB
aijssr-1921	70	25	the	the	DET
aijssr-1921	70	26	numerous	numerous	ADJ
aijssr-1921	70	27	market	market	NOUN
aijssr-1921	70	28	practices	practice	NOUN
aijssr-1921	70	29	regarding	regard	VERB
aijssr-1921	70	30	islamic	islamic	ADJ
aijssr-1921	70	31	credit	credit	NOUN
aijssr-1921	70	32	cards	card	NOUN
aijssr-1921	70	33	.	.	PUNCT
aijssr-1921	71	1	the	the	DET
aijssr-1921	71	2	investigation	investigation	NOUN
aijssr-1921	71	3	was	be	AUX
aijssr-1921	71	4	carried	carry	VERB
aijssr-1921	71	5	out	out	ADP
aijssr-1921	71	6	by	by	ADP
aijssr-1921	71	7	kahf	kahf	PROPN
aijssr-1921	71	8	and	and	CCONJ
aijssr-1921	71	9	mohomed	mohomed	ADJ
aijssr-1921	71	10	(	(	PUNCT
aijssr-1921	71	11	2016	2016	NUM
aijssr-1921	71	12	)	)	PUNCT
aijssr-1921	71	13	.	.	PUNCT
aijssr-1921	72	1	ferdian	ferdian	PROPN
aijssr-1921	72	2	et	et	PROPN
aijssr-1921	72	3	al	al	PROPN
aijssr-1921	72	4	.	.	PROPN
aijssr-1921	73	1	(	(	PUNCT
aijssr-1921	73	2	2008	2008	NUM
aijssr-1921	73	3	)	)	PUNCT
aijssr-1921	73	4	did	do	AUX
aijssr-1921	73	5	research	research	NOUN
aijssr-1921	73	6	that	that	PRON
aijssr-1921	73	7	elucidated	elucidate	VERB
aijssr-1921	73	8	,	,	PUNCT
aijssr-1921	73	9	from	from	ADP
aijssr-1921	73	10	an	an	DET
aijssr-1921	73	11	economic	economic	ADJ
aijssr-1921	73	12	and	and	CCONJ
aijssr-1921	73	13	a	a	DET
aijssr-1921	73	14	shara	shara	NOUN
aijssr-1921	73	15	point	point	NOUN
aijssr-1921	73	16	of	of	ADP
aijssr-1921	73	17	view	view	NOUN
aijssr-1921	73	18	,	,	PUNCT
aijssr-1921	73	19	the	the	DET
aijssr-1921	73	20	usage	usage	NOUN
aijssr-1921	73	21	of	of	ADP
aijssr-1921	73	22	islamic	islamic	ADJ
aijssr-1921	73	23	credit	credit	NOUN
aijssr-1921	73	24	cards	card	NOUN
aijssr-1921	73	25	by	by	ADP
aijssr-1921	73	26	bank	bank	PROPN
aijssr-1921	73	27	danamon	danamon	PROPN
aijssr-1921	73	28	indonesia	indonesia	PROPN
aijssr-1921	73	29	and	and	CCONJ
aijssr-1921	73	30	bank	bank	PROPN
aijssr-1921	73	31	islam	islam	PROPN
aijssr-1921	73	32	malaysia	malaysia	PROPN
aijssr-1921	73	33	.	.	PUNCT
aijssr-1921	74	1	their	their	PRON
aijssr-1921	74	2	findings	finding	NOUN
aijssr-1921	74	3	were	be	AUX
aijssr-1921	74	4	published	publish	VERB
aijssr-1921	74	5	in	in	ADP
aijssr-1921	74	6	papers	paper	NOUN
aijssr-1921	74	7	.	.	PUNCT
aijssr-1921	75	1	according	accord	VERB
aijssr-1921	75	2	to	to	ADP
aijssr-1921	75	3	reports	report	NOUN
aijssr-1921	75	4	,	,	PUNCT
aijssr-1921	75	5	the	the	DET
aijssr-1921	75	6	contracts	contract	NOUN
aijssr-1921	75	7	utilized	utilize	VERB
aijssr-1921	75	8	in	in	ADP
aijssr-1921	75	9	the	the	DET
aijssr-1921	75	10	production	production	NOUN
aijssr-1921	75	11	of	of	ADP
aijssr-1921	75	12	the	the	DET
aijssr-1921	75	13	malaysian	malaysian	ADJ
aijssr-1921	75	14	bi	bi	ADJ
aijssr-1921	75	15	card	card	NOUN
aijssr-1921	75	16	are	be	AUX
aijssr-1921	75	17	only	only	ADV
aijssr-1921	75	18	somewhat	somewhat	ADV
aijssr-1921	75	19	less	less	ADV
aijssr-1921	75	20	stringent	stringent	ADJ
aijssr-1921	75	21	than	than	ADP
aijssr-1921	75	22	those	those	PRON
aijssr-1921	75	23	utilized	utilize	VERB
aijssr-1921	75	24	in	in	ADP
aijssr-1921	75	25	the	the	DET
aijssr-1921	75	26	production	production	NOUN
aijssr-1921	75	27	of	of	ADP
aijssr-1921	75	28	the	the	DET
aijssr-1921	75	29	indonesian	indonesian	ADJ
aijssr-1921	75	30	dirham	dirham	PROPN
aijssr-1921	75	31	card	card	NOUN
aijssr-1921	75	32	.	.	PUNCT
aijssr-1921	76	1	according	accord	VERB
aijssr-1921	76	2	to	to	ADP
aijssr-1921	76	3	the	the	DET
aijssr-1921	76	4	findings	finding	NOUN
aijssr-1921	76	5	of	of	ADP
aijssr-1921	76	6	a	a	DET
aijssr-1921	76	7	certain	certain	ADJ
aijssr-1921	76	8	team	team	NOUN
aijssr-1921	76	9	of	of	ADP
aijssr-1921	76	10	investigators	investigator	NOUN
aijssr-1921	76	11	(	(	PUNCT
aijssr-1921	76	12	dali	dali	PROPN
aijssr-1921	76	13	&	&	CCONJ
aijssr-1921	76	14	yousafzai	yousafzai	PROPN
aijssr-1921	76	15	,	,	PUNCT
aijssr-1921	76	16	2012	2012	NUM
aijssr-1921	76	17	)	)	PUNCT
aijssr-1921	76	18	.	.	PUNCT
aijssr-1921	77	1	the	the	DET
aijssr-1921	77	2	findings	finding	NOUN
aijssr-1921	77	3	of	of	ADP
aijssr-1921	77	4	a	a	DET
aijssr-1921	77	5	study	study	NOUN
aijssr-1921	77	6	by	by	ADP
aijssr-1921	77	7	tanzina	tanzina	PROPN
aijssr-1921	77	8	hossain	hossain	PROPN
aijssr-1921	77	9	and	and	CCONJ
aijssr-1921	77	10	zinnatun	zinnatun	PROPN
aijssr-1921	77	11	nesa	nesa	PROPN
aijssr-1921	77	12	in	in	ADP
aijssr-1921	77	13	2013	2013	NUM
aijssr-1921	77	14	and	and	CCONJ
aijssr-1921	77	15	published	publish	VERB
aijssr-1921	77	16	in	in	ADP
aijssr-1921	77	17	the	the	DET
aijssr-1921	77	18	same	same	ADJ
aijssr-1921	77	19	year	year	NOUN
aijssr-1921	77	20	suggest	suggest	VERB
aijssr-1921	77	21	that	that	SCONJ
aijssr-1921	77	22	customers	customer	NOUN
aijssr-1921	77	23	who	who	PRON
aijssr-1921	77	24	pay	pay	VERB
aijssr-1921	77	25	their	their	PRON
aijssr-1921	77	26	bills	bill	NOUN
aijssr-1921	77	27	in	in	ADP
aijssr-1921	77	28	whole	whole	ADJ
aijssr-1921	77	29	and	and	CCONJ
aijssr-1921	77	30	on	on	ADP
aijssr-1921	77	31	time	time	NOUN
aijssr-1921	77	32	may	may	AUX
aijssr-1921	77	33	profit	profit	VERB
aijssr-1921	77	34	from	from	ADP
aijssr-1921	77	35	utilizing	utilize	VERB
aijssr-1921	77	36	charge	charge	NOUN
aijssr-1921	77	37	cards	card	NOUN
aijssr-1921	77	38	rather	rather	ADV
aijssr-1921	77	39	than	than	ADP
aijssr-1921	77	40	other	other	ADJ
aijssr-1921	77	41	kinds	kind	NOUN
aijssr-1921	77	42	of	of	ADP
aijssr-1921	77	43	plastic	plastic	ADJ
aijssr-1921	77	44	credit	credit	NOUN
aijssr-1921	77	45	money.after	money.after	NOUN
aijssr-1921	77	46	seeing	see	VERB
aijssr-1921	77	47	credit	credit	NOUN
aijssr-1921	77	48	cards	card	NOUN
aijssr-1921	77	49	'	'	PART
aijssr-1921	77	50	potential	potential	NOUN
aijssr-1921	77	51	in	in	ADP
aijssr-1921	77	52	the	the	DET
aijssr-1921	77	53	bangladesh	bangladesh	NOUN
aijssr-1921	77	54	market	market	NOUN
aijssr-1921	77	55	,	,	PUNCT
aijssr-1921	77	56	they	they	PRON
aijssr-1921	77	57	arrived	arrive	VERB
aijssr-1921	77	58	at	at	ADP
aijssr-1921	77	59	this	this	DET
aijssr-1921	77	60	conclusion	conclusion	NOUN
aijssr-1921	77	61	(	(	PUNCT
aijssr-1921	77	62	hossain	hossain	PROPN
aijssr-1921	77	63	&	&	CCONJ
aijssr-1921	77	64	nesa	nesa	PROPN
aijssr-1921	77	65	,	,	PUNCT
aijssr-1921	77	66	2013	2013	NUM
aijssr-1921	77	67	)	)	PUNCT
aijssr-1921	77	68	.	.	PUNCT
aijssr-1921	78	1	as	as	ADV
aijssr-1921	78	2	early	early	ADV
aijssr-1921	78	3	as	as	ADP
aijssr-1921	78	4	2005	2005	NUM
aijssr-1921	78	5	,	,	PUNCT
aijssr-1921	78	6	abubakar	abubakar	PROPN
aijssr-1921	78	7	salihoukante	salihoukante	VERB
aijssr-1921	78	8	depicted	depict	VERB
aijssr-1921	78	9	the	the	DET
aijssr-1921	78	10	evolution	evolution	NOUN
aijssr-1921	78	11	of	of	ADP
aijssr-1921	78	12	credit	credit	NOUN
aijssr-1921	78	13	cards	card	NOUN
aijssr-1921	78	14	and	and	CCONJ
aijssr-1921	78	15	their	their	PRON
aijssr-1921	78	16	pros	pro	NOUN
aijssr-1921	78	17	and	and	CCONJ
aijssr-1921	78	18	cons	con	NOUN
aijssr-1921	78	19	.	.	PUNCT
aijssr-1921	79	1	also	also	ADV
aijssr-1921	79	2	clarified	clarify	VERB
aijssr-1921	79	3	in	in	ADP
aijssr-1921	79	4	this	this	DET
aijssr-1921	79	5	study	study	NOUN
aijssr-1921	79	6	are	be	AUX
aijssr-1921	79	7	the	the	DET
aijssr-1921	79	8	many	many	ADJ
aijssr-1921	79	9	contractual	contractual	ADJ
aijssr-1921	79	10	parties	party	NOUN
aijssr-1921	79	11	engaged	engage	VERB
aijssr-1921	79	12	in	in	ADP
aijssr-1921	79	13	credit	credit	NOUN
aijssr-1921	79	14	card	card	NOUN
aijssr-1921	79	15	transactions	transaction	NOUN
aijssr-1921	79	16	,	,	PUNCT
aijssr-1921	79	17	how	how	SCONJ
aijssr-1921	79	18	they	they	PRON
aijssr-1921	79	19	relate	relate	VERB
aijssr-1921	79	20	to	to	ADP
aijssr-1921	79	21	one	one	NUM
aijssr-1921	79	22	another	another	DET
aijssr-1921	79	23	,	,	PUNCT
aijssr-1921	79	24	and	and	CCONJ
aijssr-1921	79	25	their	their	PRON
aijssr-1921	79	26	respective	respective	ADJ
aijssr-1921	79	27	roles	role	NOUN
aijssr-1921	79	28	and	and	CCONJ
aijssr-1921	79	29	obligations	obligation	NOUN
aijssr-1921	79	30	while	while	SCONJ
aijssr-1921	79	31	using	use	VERB
aijssr-1921	79	32	credit	credit	NOUN
aijssr-1921	79	33	cards	card	NOUN
aijssr-1921	79	34	(	(	PUNCT
aijssr-1921	79	35	kante	kante	NOUN
aijssr-1921	79	36	,	,	PUNCT
aijssr-1921	79	37	2005	2005	NUM
aijssr-1921	79	38	)	)	PUNCT
aijssr-1921	79	39	.	.	PUNCT
aijssr-1921	80	1	on	on	ADP
aijssr-1921	80	2	the	the	DET
aijssr-1921	80	3	other	other	ADJ
aijssr-1921	80	4	hand	hand	NOUN
aijssr-1921	80	5	,	,	PUNCT
aijssr-1921	80	6	in	in	ADP
aijssr-1921	80	7	2011	2011	NUM
aijssr-1921	80	8	,	,	PUNCT
aijssr-1921	80	9	abdul	abdul	PROPN
aijssr-1921	80	10	kadar	kadar	PROPN
aijssr-1921	80	11	muhammad	muhammad	PROPN
aijssr-1921	80	12	masum	masum	PROPN
aijssr-1921	80	13	,	,	PUNCT
aijssr-1921	80	14	md	md	PROPN
aijssr-1921	80	15	.	.	PROPN
aijssr-1921	80	16	cholemullah	cholemullah	PROPN
aijssr-1921	80	17	,	,	PUNCT
aijssr-1921	80	18	and	and	CCONJ
aijssr-1921	80	19	md	md	PROPN
aijssr-1921	80	20	.	.	PUNCT
aijssr-1921	81	1	abul	abul	PROPN
aijssr-1921	81	2	kalam	kalam	PROPN
aijssr-1921	81	3	azad	azad	PROPN
aijssr-1921	81	4	did	do	VERB
aijssr-1921	81	5	research	research	NOUN
aijssr-1921	81	6	that	that	PRON
aijssr-1921	81	7	points	point	VERB
aijssr-1921	81	8	the	the	DET
aijssr-1921	81	9	path	path	NOUN
aijssr-1921	81	10	toward	toward	ADP
aijssr-1921	81	11	modeling	model	VERB
aijssr-1921	81	12	the	the	DET
aijssr-1921	81	13	it	it	PRON
aijssr-1921	81	14	user	user	NOUN
aijssr-1921	81	15	concepts	concept	NOUN
aijssr-1921	81	16	that	that	PRON
aijssr-1921	81	17	illustrate	illustrate	VERB
aijssr-1921	81	18	the	the	DET
aijssr-1921	81	19	right	right	ADJ
aijssr-1921	81	20	approaches	approach	NOUN
aijssr-1921	81	21	to	to	PART
aijssr-1921	81	22	address	address	VERB
aijssr-1921	81	23	such	such	ADJ
aijssr-1921	81	24	issues	issue	NOUN
aijssr-1921	81	25	.	.	PUNCT
aijssr-1921	82	1	the	the	DET
aijssr-1921	82	2	updated	update	VERB
aijssr-1921	82	3	it	it	PRON
aijssr-1921	82	4	user	user	NOUN
aijssr-1921	82	5	rules	rule	NOUN
aijssr-1921	82	6	are	be	AUX
aijssr-1921	82	7	based	base	VERB
aijssr-1921	82	8	on	on	ADP
aijssr-1921	82	9	islamic	islamic	ADJ
aijssr-1921	82	10	ethical	ethical	ADJ
aijssr-1921	82	11	principles	principle	NOUN
aijssr-1921	82	12	,	,	PUNCT
aijssr-1921	82	13	where	where	SCONJ
aijssr-1921	82	14	the	the	DET
aijssr-1921	82	15	bulk	bulk	NOUN
aijssr-1921	82	16	of	of	ADP
aijssr-1921	82	17	the	the	DET
aijssr-1921	82	18	article	article	NOUN
aijssr-1921	82	19	is	be	AUX
aijssr-1921	82	20	focused	focus	VERB
aijssr-1921	82	21	.	.	PUNCT
aijssr-1921	83	1	muhammad	muhammad	PROPN
aijssr-1921	83	2	sheraz	sheraz	PROPN
aijssr-1921	83	3	,	,	PUNCT
aijssr-1921	83	4	muhammad	muhammad	PROPN
aijssr-1921	83	5	irfan	irfan	PROPN
aijssr-1921	83	6	khadim	khadim	PROPN
aijssr-1921	83	7	,	,	PUNCT
aijssr-1921	83	8	saif	saif	PROPN
aijssr-1921	83	9	ullah	ullah	PROPN
aijssr-1921	83	10	,	,	PUNCT
aijssr-1921	83	11	and	and	CCONJ
aijssr-1921	83	12	atta	atta	PROPN
aijssr-1921	83	13	ullah	ullah	PROPN
aijssr-1921	83	14	probed	probe	VERB
aijssr-1921	83	15	about	about	ADP
aijssr-1921	83	16	the	the	DET
aijssr-1921	83	17	innovation	innovation	NOUN
aijssr-1921	83	18	behind	behind	ADP
aijssr-1921	83	19	the	the	DET
aijssr-1921	83	20	rise	rise	NOUN
aijssr-1921	83	21	of	of	ADP
aijssr-1921	83	22	sharia	sharia	NOUN
aijssr-1921	83	23	-	-	PUNCT
aijssr-1921	83	24	compliant	compliant	ADJ
aijssr-1921	83	25	credit	credit	NOUN
aijssr-1921	83	26	cards	card	NOUN
aijssr-1921	83	27	in	in	ADP
aijssr-1921	83	28	2021	2021	NUM
aijssr-1921	83	29	.	.	PUNCT
aijssr-1921	84	1	they	they	PRON
aijssr-1921	84	2	discussed	discuss	VERB
aijssr-1921	84	3	two	two	NUM
aijssr-1921	84	4	new	new	ADJ
aijssr-1921	84	5	concepts	concept	NOUN
aijssr-1921	84	6	for	for	ADP
aijssr-1921	84	7	sharia	sharia	NOUN
aijssr-1921	84	8	-	-	PUNCT
aijssr-1921	84	9	compliant	compliant	ADJ
aijssr-1921	84	10	credit	credit	NOUN
aijssr-1921	84	11	cards	card	NOUN
aijssr-1921	84	12	in	in	ADP
aijssr-1921	84	13	their	their	PRON
aijssr-1921	84	14	talk	talk	NOUN
aijssr-1921	84	15	:	:	PUNCT
aijssr-1921	84	16	the	the	DET
aijssr-1921	84	17	musharka	musharka	PROPN
aijssr-1921	84	18	credit	credit	NOUN
aijssr-1921	84	19	card	card	NOUN
aijssr-1921	84	20	and	and	CCONJ
aijssr-1921	84	21	the	the	DET
aijssr-1921	84	22	murabaha	murabaha	NOUN
aijssr-1921	84	23	credit	credit	NOUN
aijssr-1921	84	24	card	card	NOUN
aijssr-1921	84	25	.	.	PUNCT
aijssr-1921	85	1	efforts	effort	NOUN
aijssr-1921	85	2	were	be	AUX
aijssr-1921	85	3	undertaken	undertake	VERB
aijssr-1921	85	4	to	to	PART
aijssr-1921	85	5	clarify	clarify	VERB
aijssr-1921	85	6	the	the	DET
aijssr-1921	85	7	principles	principle	NOUN
aijssr-1921	85	8	of	of	ADP
aijssr-1921	85	9	sharia	sharia	PROPN
aijssr-1921	85	10	regarding	regard	VERB
aijssr-1921	85	11	credit	credit	NOUN
aijssr-1921	85	12	cards	card	NOUN
aijssr-1921	85	13	and	and	CCONJ
aijssr-1921	85	14	correct	correct	VERB
aijssr-1921	85	15	the	the	DET
aijssr-1921	85	16	shortcomings	shortcoming	NOUN
aijssr-1921	85	17	present	present	ADJ
aijssr-1921	85	18	in	in	ADP
aijssr-1921	85	19	the	the	DET
aijssr-1921	85	20	already	already	ADV
aijssr-1921	85	21	available	available	ADJ
aijssr-1921	85	22	islamic	islamic	ADJ
aijssr-1921	85	23	credit	credit	NOUN
aijssr-1921	85	24	cards	card	NOUN
aijssr-1921	85	25	.	.	PUNCT
aijssr-1921	86	1	according	accord	VERB
aijssr-1921	86	2	to	to	ADP
aijssr-1921	86	3	a	a	DET
aijssr-1921	86	4	group	group	NOUN
aijssr-1921	86	5	of	of	ADP
aijssr-1921	86	6	researchers	researcher	NOUN
aijssr-1921	86	7	(	(	PUNCT
aijssr-1921	86	8	sheraz	sheraz	NOUN
aijssr-1921	86	9	et	et	PROPN
aijssr-1921	86	10	al	al	PROPN
aijssr-1921	86	11	.	.	PROPN
aijssr-1921	86	12	,	,	PUNCT
aijssr-1921	86	13	2021	2021	NUM
aijssr-1921	86	14	)	)	PUNCT
aijssr-1921	86	15	.	.	PUNCT
aijssr-1921	87	1	hafsa	hafsa	PROPN
aijssr-1921	87	2	,	,	PUNCT
aijssr-1921	87	3	z.	z.	PROPN
aijssr-1921	87	4	orhan	orhan	PROPN
aijssr-1921	87	5	astrom	astrom	PROPN
aijssr-1921	87	6	began	begin	VERB
aijssr-1921	87	7	his	his	PRON
aijssr-1921	87	8	investigation	investigation	NOUN
aijssr-1921	87	9	of	of	ADP
aijssr-1921	87	10	islamic	islamic	ADJ
aijssr-1921	87	11	banks	bank	NOUN
aijssr-1921	87	12	in	in	ADP
aijssr-1921	87	13	turkey	turkey	NOUN
aijssr-1921	87	14	in	in	ADP
aijssr-1921	87	15	2015	2015	NUM
aijssr-1921	87	16	,	,	PUNCT
aijssr-1921	87	17	and	and	CCONJ
aijssr-1921	87	18	his	his	PRON
aijssr-1921	87	19	work	work	NOUN
aijssr-1921	87	20	thus	thus	ADV
aijssr-1921	87	21	far	far	ADV
aijssr-1921	87	22	has	have	AUX
aijssr-1921	87	23	been	be	AUX
aijssr-1921	87	24	comparing	compare	VERB
aijssr-1921	87	25	the	the	DET
aijssr-1921	87	26	lending	lending	NOUN
aijssr-1921	87	27	practices	practice	NOUN
aijssr-1921	87	28	of	of	ADP
aijssr-1921	87	29	these	these	DET
aijssr-1921	87	30	institutions	institution	NOUN
aijssr-1921	87	31	to	to	PART
aijssr-1921	87	32	established	establish	VERB
aijssr-1921	87	33	theoretical	theoretical	ADJ
aijssr-1921	87	34	models	model	NOUN
aijssr-1921	87	35	.	.	PUNCT
aijssr-1921	88	1	in	in	ADP
aijssr-1921	88	2	2017	2017	NUM
aijssr-1921	88	3	,	,	PUNCT
aijssr-1921	88	4	bukhari	bukhari	PROPN
aijssr-1921	88	5	m.	m.	PROPN
aijssr-1921	88	6	s.	s.	PROPN
aijssr-1921	88	7	sillah	sillah	PROPN
aijssr-1921	88	8	suggested	suggest	VERB
aijssr-1921	88	9	that	that	SCONJ
aijssr-1921	88	10	islamic	islamic	ADJ
aijssr-1921	88	11	banks	bank	NOUN
aijssr-1921	88	12	packaged	package	VERB
aijssr-1921	88	13	their	their	PRON
aijssr-1921	88	14	cards	card	NOUN
aijssr-1921	88	15	by	by	ADP
aijssr-1921	88	16	certain	certain	ADJ
aijssr-1921	88	17	islamic	islamic	ADJ
aijssr-1921	88	18	"	"	PUNCT
aijssr-1921	88	19	transaction	transaction	NOUN
aijssr-1921	88	20	rules	rule	NOUN
aijssr-1921	88	21	"	"	PUNCT
aijssr-1921	88	22	to	to	PART
aijssr-1921	88	23	avoid	avoid	VERB
aijssr-1921	88	24	paying	pay	VERB
aijssr-1921	88	25	riba	riba	NOUN
aijssr-1921	88	26	.	.	PUNCT
aijssr-1921	89	1	in	in	ADP
aijssr-1921	89	2	order	order	NOUN
aijssr-1921	89	3	to	to	PART
aijssr-1921	89	4	avoid	avoid	VERB
aijssr-1921	89	5	paying	pay	VERB
aijssr-1921	89	6	taxes	taxis	NOUN
aijssr-1921	89	7	,	,	PUNCT
aijssr-1921	89	8	they	they	PRON
aijssr-1921	89	9	did	do	VERB
aijssr-1921	89	10	this	this	PRON
aijssr-1921	89	11	.	.	PUNCT
aijssr-1921	90	1	in	in	ADP
aijssr-1921	90	2	addition	addition	NOUN
aijssr-1921	90	3	to	to	ADP
aijssr-1921	90	4	the	the	DET
aijssr-1921	90	5	standard	standard	ADJ
aijssr-1921	90	6	charge	charge	NOUN
aijssr-1921	90	7	and	and	CCONJ
aijssr-1921	90	8	qard	qard	PROPN
aijssr-1921	90	9	al	al	PROPN
aijssr-1921	90	10	-	-	PUNCT
aijssr-1921	90	11	hasan	hasan	PROPN
aijssr-1921	90	12	cards	card	NOUN
aijssr-1921	90	13	,	,	PUNCT
aijssr-1921	90	14	each	each	DET
aijssr-1921	90	15	set	set	NOUN
aijssr-1921	90	16	includes	include	VERB
aijssr-1921	90	17	bay	bay	PROPN
aijssr-1921	90	18	al	al	PROPN
aijssr-1921	90	19	-	-	PROPN
aijssr-1921	90	20	inah	inah	PROPN
aijssr-1921	90	21	and	and	CCONJ
aijssr-1921	90	22	tawarruq	tawarruq	VERB
aijssr-1921	90	23	cards	card	NOUN
aijssr-1921	90	24	and	and	CCONJ
aijssr-1921	90	25	murabahah	murabahah	NOUN
aijssr-1921	90	26	cards	card	NOUN
aijssr-1921	90	27	for	for	ADP
aijssr-1921	90	28	financing	financing	NOUN
aijssr-1921	90	29	purchases	purchase	NOUN
aijssr-1921	90	30	.	.	PUNCT
aijssr-1921	91	1	the	the	DET
aijssr-1921	91	2	courts	court	NOUN
aijssr-1921	91	3	scrutinized	scrutinize	VERB
aijssr-1921	91	4	several	several	ADJ
aijssr-1921	91	5	of	of	ADP
aijssr-1921	91	6	these	these	DET
aijssr-1921	91	7	packages	package	NOUN
aijssr-1921	91	8	.	.	PUNCT
aijssr-1921	92	1	he	he	PRON
aijssr-1921	92	2	concluded	conclude	VERB
aijssr-1921	92	3	that	that	SCONJ
aijssr-1921	92	4	these	these	DET
aijssr-1921	92	5	packages	package	NOUN
aijssr-1921	92	6	either	either	CCONJ
aijssr-1921	92	7	lack	lack	VERB
aijssr-1921	92	8	sufficient	sufficient	ADJ
aijssr-1921	92	9	shari'ah	shari'ah	NOUN
aijssr-1921	92	10	compliance	compliance	NOUN
aijssr-1921	92	11	or	or	CCONJ
aijssr-1921	92	12	are	be	AUX
aijssr-1921	92	13	overpriced	overprice	VERB
aijssr-1921	92	14	after	after	ADP
aijssr-1921	92	15	reviewing	review	VERB
aijssr-1921	92	16	the	the	DET
aijssr-1921	92	17	available	available	ADJ
aijssr-1921	92	18	data	datum	NOUN
aijssr-1921	92	19	.	.	PUNCT
aijssr-1921	93	1	he	he	PRON
aijssr-1921	93	2	then	then	ADV
aijssr-1921	93	3	proposed	propose	VERB
aijssr-1921	93	4	an	an	DET
aijssr-1921	93	5	alternate	alternate	ADJ
aijssr-1921	93	6	plan	plan	NOUN
aijssr-1921	93	7	that	that	PRON
aijssr-1921	93	8	might	might	AUX
aijssr-1921	93	9	reduce	reduce	VERB
aijssr-1921	93	10	court	court	NOUN
aijssr-1921	93	11	objections	objection	NOUN
aijssr-1921	93	12	and	and	CCONJ
aijssr-1921	93	13	boost	boost	VERB
aijssr-1921	93	14	competition	competition	NOUN
aijssr-1921	93	15	.	.	PUNCT
aijssr-1921	94	1	it	it	PRON
aijssr-1921	94	2	has	have	AUX
aijssr-1921	94	3	been	be	AUX
aijssr-1921	94	4	proven	prove	VERB
aijssr-1921	94	5	as	as	ADP
aijssr-1921	94	6	of	of	ADP
aijssr-1921	94	7	this	this	DET
aijssr-1921	94	8	year	year	NOUN
aijssr-1921	94	9	(	(	PUNCT
aijssr-1921	94	10	sillah	sillah	NOUN
aijssr-1921	94	11	,	,	PUNCT
aijssr-1921	94	12	2017	2017	NUM
aijssr-1921	94	13	)	)	PUNCT
aijssr-1921	94	14	.	.	PUNCT
aijssr-1921	95	1	sharia	sharia	PROPN
aijssr-1921	95	2	compliance	compliance	NOUN
aijssr-1921	95	3	is	be	AUX
aijssr-1921	95	4	an	an	DET
aijssr-1921	95	5	essential	essential	ADJ
aijssr-1921	95	6	factor	factor	NOUN
aijssr-1921	95	7	that	that	PRON
aijssr-1921	95	8	causes	cause	VERB
aijssr-1921	95	9	malaysians	malaysians	PROPN
aijssr-1921	95	10	to	to	PART
aijssr-1921	95	11	choose	choose	VERB
aijssr-1921	95	12	islamic	islamic	ADJ
aijssr-1921	95	13	credit	credit	NOUN
aijssr-1921	95	14	cards	card	NOUN
aijssr-1921	95	15	,	,	PUNCT
aijssr-1921	95	16	according	accord	VERB
aijssr-1921	95	17	to	to	ADP
aijssr-1921	95	18	a	a	DET
aijssr-1921	95	19	study	study	NOUN
aijssr-1921	95	20	performed	perform	VERB
aijssr-1921	95	21	in	in	ADP
aijssr-1921	95	22	2020	2020	NUM
aijssr-1921	95	23	under	under	ADP
aijssr-1921	95	24	the	the	DET
aijssr-1921	95	25	chowdhury	chowdhury	PROPN
aijssr-1921	95	26	et	et	PROPN
aijssr-1921	95	27	al	al	PROPN
aijssr-1921	95	28	.	.	PROPN
aijssr-1921	95	29	,	,	PUNCT
aijssr-1921	95	30	american	american	PROPN
aijssr-1921	95	31	international	international	PROPN
aijssr-1921	95	32	journal	journal	PROPN
aijssr-1921	95	33	of	of	ADP
aijssr-1921	95	34	social	social	ADJ
aijssr-1921	95	35	science	science	NOUN
aijssr-1921	95	36	research	research	NOUN
aijssr-1921	95	37	14(1	14(1	NUM
aijssr-1921	95	38	)	)	PUNCT
aijssr-1921	95	39	(	(	PUNCT
aijssr-1921	95	40	2023	2023	NUM
aijssr-1921	95	41	)	)	PUNCT
aijssr-1921	95	42	,	,	PUNCT
aijssr-1921	95	43	1	1	NUM
aijssr-1921	95	44	-	-	SYM
aijssr-1921	95	45	8	8	NUM
aijssr-1921	95	46	3	3	NUM
aijssr-1921	95	47	guidance	guidance	NOUN
aijssr-1921	95	48	of	of	ADP
aijssr-1921	95	49	fahd	fahd	PROPN
aijssr-1921	95	50	al	al	PROPN
aijssr-1921	95	51	-	-	PROPN
aijssr-1921	95	52	shaghdari	shaghdari	PROPN
aijssr-1921	95	53	and	and	CCONJ
aijssr-1921	95	54	adewale	adewale	PROPN
aijssr-1921	95	55	abideen	abideen	VERB
aijssr-1921	95	56	adeyemi	adeyemi	ADV
aijssr-1921	95	57	.	.	PUNCT
aijssr-1921	96	1	it	it	PRON
aijssr-1921	96	2	also	also	ADV
aijssr-1921	96	3	stressed	stress	VERB
aijssr-1921	96	4	the	the	DET
aijssr-1921	96	5	significance	significance	NOUN
aijssr-1921	96	6	of	of	ADP
aijssr-1921	96	7	islamic	islamic	ADJ
aijssr-1921	96	8	credit	credit	NOUN
aijssr-1921	96	9	card	card	NOUN
aijssr-1921	96	10	knowledge	knowledge	NOUN
aijssr-1921	96	11	in	in	ADP
aijssr-1921	96	12	proving	prove	VERB
aijssr-1921	96	13	the	the	DET
aijssr-1921	96	14	legitimacy	legitimacy	NOUN
aijssr-1921	96	15	of	of	ADP
aijssr-1921	96	16	these	these	DET
aijssr-1921	96	17	financial	financial	ADJ
aijssr-1921	96	18	instruments	instrument	NOUN
aijssr-1921	96	19	among	among	ADP
aijssr-1921	96	20	malaysian	malaysian	ADJ
aijssr-1921	96	21	banking	banking	NOUN
aijssr-1921	96	22	consumers	consumer	NOUN
aijssr-1921	96	23	.	.	PUNCT
aijssr-1921	97	1	the	the	DET
aijssr-1921	97	2	study	study	NOUN
aijssr-1921	97	3	's	's	PART
aijssr-1921	97	4	findings	finding	NOUN
aijssr-1921	97	5	were	be	AUX
aijssr-1921	97	6	clear	clear	ADJ
aijssr-1921	97	7	in	in	ADP
aijssr-1921	97	8	this	this	DET
aijssr-1921	97	9	regard	regard	NOUN
aijssr-1921	97	10	.	.	PUNCT
aijssr-1921	98	1	they	they	PRON
aijssr-1921	98	2	utilized	utilize	VERB
aijssr-1921	98	3	structural	structural	ADJ
aijssr-1921	98	4	equation	equation	NOUN
aijssr-1921	98	5	modeling	modeling	NOUN
aijssr-1921	98	6	to	to	PART
aijssr-1921	98	7	examine	examine	VERB
aijssr-1921	98	8	responses	response	NOUN
aijssr-1921	98	9	from	from	ADP
aijssr-1921	98	10	a	a	DET
aijssr-1921	98	11	survey	survey	NOUN
aijssr-1921	98	12	given	give	VERB
aijssr-1921	98	13	to	to	ADP
aijssr-1921	98	14	a	a	DET
aijssr-1921	98	15	representative	representative	ADJ
aijssr-1921	98	16	sample	sample	NOUN
aijssr-1921	98	17	of	of	ADP
aijssr-1921	98	18	220	220	NUM
aijssr-1921	98	19	cardholders	cardholder	NOUN
aijssr-1921	98	20	with	with	ADP
aijssr-1921	98	21	islamic	islamic	ADJ
aijssr-1921	98	22	financial	financial	ADJ
aijssr-1921	98	23	institutions	institution	NOUN
aijssr-1921	98	24	.	.	PUNCT
aijssr-1921	99	1	tanzina	tanzina	PROPN
aijssr-1921	99	2	hossain	hossain	PROPN
aijssr-1921	99	3	also	also	ADV
aijssr-1921	99	4	looked	look	VERB
aijssr-1921	99	5	at	at	ADP
aijssr-1921	99	6	the	the	DET
aijssr-1921	99	7	use	use	NOUN
aijssr-1921	99	8	of	of	ADP
aijssr-1921	99	9	islamic	islamic	ADJ
aijssr-1921	99	10	credit	credit	NOUN
aijssr-1921	99	11	cards	card	NOUN
aijssr-1921	99	12	in	in	ADP
aijssr-1921	99	13	bangladesh	bangladesh	NOUN
aijssr-1921	99	14	,	,	PUNCT
aijssr-1921	99	15	focusing	focus	VERB
aijssr-1921	99	16	on	on	ADP
aijssr-1921	99	17	the	the	DET
aijssr-1921	99	18	practices	practice	NOUN
aijssr-1921	99	19	of	of	ADP
aijssr-1921	99	20	exim	exim	NOUN
aijssr-1921	99	21	bank	bank	PROPN
aijssr-1921	99	22	and	and	CCONJ
aijssr-1921	99	23	standard	standard	ADJ
aijssr-1921	99	24	chartered	chartered	ADJ
aijssr-1921	99	25	bank	bank	PROPN
aijssr-1921	99	26	.	.	PUNCT
aijssr-1921	100	1	according	accord	VERB
aijssr-1921	100	2	to	to	ADP
aijssr-1921	100	3	this	this	DET
aijssr-1921	100	4	article	article	NOUN
aijssr-1921	100	5	,	,	PUNCT
aijssr-1921	100	6	islamic	islamic	ADJ
aijssr-1921	100	7	banks	bank	NOUN
aijssr-1921	100	8	in	in	ADP
aijssr-1921	100	9	bangladesh	bangladesh	NOUN
aijssr-1921	100	10	may	may	AUX
aijssr-1921	100	11	expand	expand	VERB
aijssr-1921	100	12	their	their	PRON
aijssr-1921	100	13	banking	banking	NOUN
aijssr-1921	100	14	activities	activity	NOUN
aijssr-1921	100	15	by	by	ADP
aijssr-1921	100	16	working	work	VERB
aijssr-1921	100	17	together	together	ADV
aijssr-1921	100	18	to	to	PART
aijssr-1921	100	19	issue	issue	VERB
aijssr-1921	100	20	islamic	islamic	ADJ
aijssr-1921	100	21	shariabased	shariabase	VERB
aijssr-1921	100	22	credit	credit	NOUN
aijssr-1921	100	23	cards	card	NOUN
aijssr-1921	100	24	to	to	PART
aijssr-1921	100	25	meet	meet	VERB
aijssr-1921	100	26	their	their	PRON
aijssr-1921	100	27	customers	customer	NOUN
aijssr-1921	100	28	'	'	PART
aijssr-1921	100	29	varying	vary	VERB
aijssr-1921	100	30	financial	financial	ADJ
aijssr-1921	100	31	needs	need	NOUN
aijssr-1921	100	32	.	.	PUNCT
aijssr-1921	101	1	evidence	evidence	NOUN
aijssr-1921	101	2	for	for	ADP
aijssr-1921	101	3	this	this	DET
aijssr-1921	101	4	conclusion	conclusion	NOUN
aijssr-1921	101	5	comes	come	VERB
aijssr-1921	101	6	from	from	ADP
aijssr-1921	101	7	contemplating	contemplate	VERB
aijssr-1921	101	8	the	the	DET
aijssr-1921	101	9	future	future	NOUN
aijssr-1921	101	10	of	of	ADP
aijssr-1921	101	11	islamic	islamic	ADJ
aijssr-1921	101	12	credit	credit	NOUN
aijssr-1921	101	13	cards	card	NOUN
aijssr-1921	101	14	(	(	PUNCT
aijssr-1921	101	15	hossain	hossain	PROPN
aijssr-1921	101	16	&	&	CCONJ
aijssr-1921	101	17	nesa	nesa	PROPN
aijssr-1921	101	18	,	,	PUNCT
aijssr-1921	101	19	2013	2013	NUM
aijssr-1921	101	20	)	)	PUNCT
aijssr-1921	101	21	.	.	PUNCT
aijssr-1921	102	1	however	however	ADV
aijssr-1921	102	2	,	,	PUNCT
aijssr-1921	102	3	studies	study	NOUN
aijssr-1921	102	4	conducted	conduct	VERB
aijssr-1921	102	5	in	in	ADP
aijssr-1921	102	6	2014	2014	NUM
aijssr-1921	102	7	by	by	ADP
aijssr-1921	102	8	seyed	seyed	PROPN
aijssr-1921	102	9	ebrahim	ebrahim	PROPN
aijssr-1921	102	10	hosseini	hosseini	PROPN
aijssr-1921	102	11	,	,	PUNCT
aijssr-1921	102	12	abdol	abdol	PROPN
aijssr-1921	102	13	latif	latif	PROPN
aijssr-1921	102	14	ahmadi	ahmadi	PROPN
aijssr-1921	102	15	ramchahi	ramchahi	PROPN
aijssr-1921	102	16	,	,	PUNCT
aijssr-1921	102	17	and	and	CCONJ
aijssr-1921	102	18	raja	raja	PROPN
aijssr-1921	102	19	jamilah	jamilah	PROPN
aijssr-1921	102	20	raja	raja	PROPN
aijssr-1921	102	21	yusuf	yusuf	PROPN
aijssr-1921	102	22	concluded	conclude	VERB
aijssr-1921	102	23	that	that	SCONJ
aijssr-1921	102	24	information	information	NOUN
aijssr-1921	102	25	technology	technology	NOUN
aijssr-1921	102	26	plays	play	VERB
aijssr-1921	102	27	a	a	DET
aijssr-1921	102	28	crucial	crucial	ADJ
aijssr-1921	102	29	role	role	NOUN
aijssr-1921	102	30	in	in	ADP
aijssr-1921	102	31	disseminating	disseminate	VERB
aijssr-1921	102	32	islamic	islamic	ADJ
aijssr-1921	102	33	literature	literature	NOUN
aijssr-1921	102	34	over	over	ADP
aijssr-1921	102	35	the	the	DET
aijssr-1921	102	36	world	world	NOUN
aijssr-1921	102	37	and	and	CCONJ
aijssr-1921	102	38	increasing	increase	VERB
aijssr-1921	102	39	its	its	PRON
aijssr-1921	102	40	accessibility	accessibility	NOUN
aijssr-1921	102	41	to	to	ADP
aijssr-1921	102	42	a	a	DET
aijssr-1921	102	43	wider	wide	ADJ
aijssr-1921	102	44	audience	audience	NOUN
aijssr-1921	102	45	.	.	PUNCT
aijssr-1921	103	1	it	it	PRON
aijssr-1921	103	2	also	also	ADV
aijssr-1921	103	3	dispels	dispel	VERB
aijssr-1921	103	4	misconceptions	misconception	NOUN
aijssr-1921	103	5	about	about	ADP
aijssr-1921	103	6	islam	islam	PROPN
aijssr-1921	103	7	among	among	ADP
aijssr-1921	103	8	non	non	ADJ
aijssr-1921	103	9	-	-	NOUN
aijssr-1921	103	10	muslims	muslim	NOUN
aijssr-1921	103	11	(	(	PUNCT
aijssr-1921	103	12	emery	emery	PROPN
aijssr-1921	103	13	,	,	PUNCT
aijssr-1921	103	14	1964	1964	NUM
aijssr-1921	103	15	)	)	PUNCT
aijssr-1921	103	16	.	.	PUNCT
aijssr-1921	104	1	along	along	ADP
aijssr-1921	104	2	with	with	ADP
aijssr-1921	104	3	this	this	PRON
aijssr-1921	104	4	,	,	PUNCT
aijssr-1921	104	5	sheikh	sheikh	PROPN
aijssr-1921	104	6	muhamad	muhamad	PROPN
aijssr-1921	104	7	hizam	hizam	PROPN
aijssr-1921	104	8	raised	raise	VERB
aijssr-1921	104	9	another	another	DET
aijssr-1921	104	10	issue	issue	NOUN
aijssr-1921	104	11	.	.	PUNCT
aijssr-1921	105	1	in	in	ADP
aijssr-1921	105	2	2021	2021	NUM
aijssr-1921	105	3	,	,	PUNCT
aijssr-1921	105	4	scholars	scholar	NOUN
aijssr-1921	105	5	sheikh	sheikh	PROPN
aijssr-1921	105	6	khairudin	khairudin	PROPN
aijssr-1921	105	7	and	and	CCONJ
aijssr-1921	105	8	mohammad	mohammad	PROPN
aijssr-1921	105	9	amin	amin	PROPN
aijssr-1921	105	10	mohammad	mohammad	PROPN
aijssr-1921	105	11	conducted	conduct	VERB
aijssr-1921	105	12	studies	study	NOUN
aijssr-1921	105	13	that	that	PRON
aijssr-1921	105	14	shed	shed	VERB
aijssr-1921	105	15	light	light	NOUN
aijssr-1921	105	16	on	on	ADP
aijssr-1921	105	17	the	the	DET
aijssr-1921	105	18	profound	profound	ADJ
aijssr-1921	105	19	impact	impact	NOUN
aijssr-1921	105	20	that	that	PRON
aijssr-1921	105	21	the	the	DET
aijssr-1921	105	22	internet	internet	NOUN
aijssr-1921	105	23	and	and	CCONJ
aijssr-1921	105	24	other	other	ADJ
aijssr-1921	105	25	forms	form	NOUN
aijssr-1921	105	26	of	of	ADP
aijssr-1921	105	27	modern	modern	ADJ
aijssr-1921	105	28	information	information	NOUN
aijssr-1921	105	29	technology	technology	NOUN
aijssr-1921	105	30	have	have	AUX
aijssr-1921	105	31	had	have	VERB
aijssr-1921	105	32	on	on	ADP
aijssr-1921	105	33	the	the	DET
aijssr-1921	105	34	muslim	muslim	ADJ
aijssr-1921	105	35	world	world	NOUN
aijssr-1921	105	36	in	in	ADP
aijssr-1921	105	37	the	the	DET
aijssr-1921	105	38	wake	wake	NOUN
aijssr-1921	105	39	of	of	ADP
aijssr-1921	105	40	increasing	increase	VERB
aijssr-1921	105	41	globalization	globalization	NOUN
aijssr-1921	105	42	and	and	CCONJ
aijssr-1921	105	43	islamic	islamic	ADJ
aijssr-1921	105	44	fundamentalism	fundamentalism	NOUN
aijssr-1921	105	45	.	.	PUNCT
aijssr-1921	106	1	the	the	DET
aijssr-1921	106	2	importance	importance	NOUN
aijssr-1921	106	3	of	of	ADP
aijssr-1921	106	4	the	the	DET
aijssr-1921	106	5	internet	internet	NOUN
aijssr-1921	106	6	to	to	ADP
aijssr-1921	106	7	the	the	DET
aijssr-1921	106	8	global	global	ADJ
aijssr-1921	106	9	propagation	propagation	NOUN
aijssr-1921	106	10	of	of	ADP
aijssr-1921	106	11	islamic	islamic	PROPN
aijssr-1921	106	12	literature	literature	PROPN
aijssr-1921	106	13	is	be	AUX
aijssr-1921	106	14	emphasized	emphasize	VERB
aijssr-1921	106	15	extensively	extensively	ADV
aijssr-1921	106	16	in	in	ADP
aijssr-1921	106	17	this	this	DET
aijssr-1921	106	18	essay	essay	NOUN
aijssr-1921	106	19	.	.	PUNCT
aijssr-1921	107	1	finally	finally	ADV
aijssr-1921	107	2	,	,	PUNCT
aijssr-1921	107	3	it	it	PRON
aijssr-1921	107	4	offers	offer	VERB
aijssr-1921	107	5	a	a	DET
aijssr-1921	107	6	few	few	ADJ
aijssr-1921	107	7	things	thing	NOUN
aijssr-1921	107	8	governments	government	NOUN
aijssr-1921	107	9	and	and	CCONJ
aijssr-1921	107	10	ngos	ngo	NOUN
aijssr-1921	107	11	should	should	AUX
aijssr-1921	107	12	do	do	VERB
aijssr-1921	107	13	to	to	PART
aijssr-1921	107	14	increase	increase	VERB
aijssr-1921	107	15	the	the	DET
aijssr-1921	107	16	use	use	NOUN
aijssr-1921	107	17	of	of	ADP
aijssr-1921	107	18	ict	ict	NOUN
aijssr-1921	107	19	among	among	ADP
aijssr-1921	107	20	muslims	muslims	PROPN
aijssr-1921	107	21	worldwide	worldwide	ADV
aijssr-1921	107	22	,	,	PUNCT
aijssr-1921	107	23	increasing	increase	VERB
aijssr-1921	107	24	the	the	DET
aijssr-1921	107	25	likelihood	likelihood	NOUN
aijssr-1921	107	26	that	that	SCONJ
aijssr-1921	107	27	this	this	DET
aijssr-1921	107	28	change	change	NOUN
aijssr-1921	107	29	will	will	AUX
aijssr-1921	107	30	be	be	AUX
aijssr-1921	107	31	for	for	ADP
aijssr-1921	107	32	the	the	DET
aijssr-1921	107	33	better	well	ADJ
aijssr-1921	107	34	.	.	PUNCT
aijssr-1921	108	1	according	accord	VERB
aijssr-1921	108	2	to	to	ADP
aijssr-1921	108	3	sheikh	sheikh	PROPN
aijssr-1921	108	4	khairudin	khairudin	PROPN
aijssr-1921	108	5	and	and	CCONJ
aijssr-1921	108	6	mohammad	mohammad	PROPN
aijssr-1921	108	7	(	(	PUNCT
aijssr-1921	108	8	2021	2021	NUM
aijssr-1921	108	9	)	)	PUNCT
aijssr-1921	108	10	,	,	PUNCT
aijssr-1921	108	11	researchers	researcher	NOUN
aijssr-1921	108	12	sainul	sainul	VERB
aijssr-1921	108	13	abdeen	abdeen	PROPN
aijssr-1921	108	14	,	,	PUNCT
aijssr-1921	108	15	fathima	fathima	PROPN
aijssr-1921	108	16	sajna	sajna	VERB
aijssr-1921	108	17	,	,	PUNCT
aijssr-1921	108	18	and	and	CCONJ
aijssr-1921	108	19	mohamed	mohamed	PROPN
aijssr-1921	108	20	haniffa	haniffa	PROPN
aijssr-1921	108	21	mohamed	mohamed	PROPN
aijssr-1921	108	22	nairoos	nairoos	PROPN
aijssr-1921	108	23	looked	look	VERB
aijssr-1921	108	24	at	at	ADP
aijssr-1921	108	25	the	the	DET
aijssr-1921	108	26	feasibility	feasibility	NOUN
aijssr-1921	108	27	of	of	ADP
aijssr-1921	108	28	introducing	introduce	VERB
aijssr-1921	108	29	islamic	islamic	ADJ
aijssr-1921	108	30	credit	credit	NOUN
aijssr-1921	108	31	cards	card	NOUN
aijssr-1921	108	32	in	in	ADP
aijssr-1921	108	33	sri	sri	PROPN
aijssr-1921	108	34	lanka	lanka	PROPN
aijssr-1921	108	35	to	to	PART
aijssr-1921	108	36	meet	meet	VERB
aijssr-1921	108	37	the	the	DET
aijssr-1921	108	38	country	country	NOUN
aijssr-1921	108	39	's	's	PART
aijssr-1921	108	40	growing	grow	VERB
aijssr-1921	108	41	need	need	NOUN
aijssr-1921	108	42	for	for	ADP
aijssr-1921	108	43	convenient	convenient	ADJ
aijssr-1921	108	44	and	and	CCONJ
aijssr-1921	108	45	secure	secure	ADJ
aijssr-1921	108	46	consumer	consumer	NOUN
aijssr-1921	108	47	financing	financing	NOUN
aijssr-1921	108	48	.	.	PUNCT
aijssr-1921	109	1	islamic	islamic	ADJ
aijssr-1921	109	2	credit	credit	NOUN
aijssr-1921	109	3	card	card	NOUN
aijssr-1921	109	4	models	model	NOUN
aijssr-1921	109	5	from	from	ADP
aijssr-1921	109	6	malaysia	malaysia	PROPN
aijssr-1921	109	7	and	and	CCONJ
aijssr-1921	109	8	indonesia	indonesia	PROPN
aijssr-1921	109	9	have	have	AUX
aijssr-1921	109	10	been	be	AUX
aijssr-1921	109	11	considered	consider	VERB
aijssr-1921	109	12	to	to	PART
aijssr-1921	109	13	assess	assess	VERB
aijssr-1921	109	14	contract	contract	NOUN
aijssr-1921	109	15	validity	validity	NOUN
aijssr-1921	109	16	and	and	CCONJ
aijssr-1921	109	17	establish	establish	VERB
aijssr-1921	109	18	a	a	DET
aijssr-1921	109	19	framework	framework	NOUN
aijssr-1921	109	20	appropriate	appropriate	ADJ
aijssr-1921	109	21	for	for	ADP
aijssr-1921	109	22	sri	sri	PROPN
aijssr-1921	109	23	lanka	lanka	PROPN
aijssr-1921	109	24	.	.	PUNCT
aijssr-1921	110	1	primary	primary	ADJ
aijssr-1921	110	2	data	datum	NOUN
aijssr-1921	110	3	was	be	AUX
aijssr-1921	110	4	gathered	gather	VERB
aijssr-1921	110	5	through	through	ADP
aijssr-1921	110	6	in	in	ADP
aijssr-1921	110	7	-	-	PUNCT
aijssr-1921	110	8	depth	depth	NOUN
aijssr-1921	110	9	interviews	interview	NOUN
aijssr-1921	110	10	and	and	CCONJ
aijssr-1921	110	11	conversations	conversation	NOUN
aijssr-1921	110	12	.	.	PUNCT
aijssr-1921	111	1	in	in	ADP
aijssr-1921	111	2	contrast	contrast	NOUN
aijssr-1921	111	3	,	,	PUNCT
aijssr-1921	111	4	secondary	secondary	ADJ
aijssr-1921	111	5	data	datum	NOUN
aijssr-1921	111	6	was	be	AUX
aijssr-1921	111	7	compiled	compile	VERB
aijssr-1921	111	8	from	from	ADP
aijssr-1921	111	9	various	various	ADJ
aijssr-1921	111	10	resources	resource	NOUN
aijssr-1921	111	11	,	,	PUNCT
aijssr-1921	111	12	including	include	VERB
aijssr-1921	111	13	the	the	DET
aijssr-1921	111	14	internet	internet	NOUN
aijssr-1921	111	15	,	,	PUNCT
aijssr-1921	111	16	library	library	NOUN
aijssr-1921	111	17	databases	database	NOUN
aijssr-1921	111	18	,	,	PUNCT
aijssr-1921	111	19	academic	academic	ADJ
aijssr-1921	111	20	journals	journal	NOUN
aijssr-1921	111	21	,	,	PUNCT
aijssr-1921	111	22	trade	trade	NOUN
aijssr-1921	111	23	publications	publication	NOUN
aijssr-1921	111	24	,	,	PUNCT
aijssr-1921	111	25	and	and	CCONJ
aijssr-1921	111	26	newspapers	newspaper	NOUN
aijssr-1921	111	27	.	.	PUNCT
aijssr-1921	112	1	the	the	DET
aijssr-1921	112	2	results	result	NOUN
aijssr-1921	112	3	were	be	AUX
aijssr-1921	112	4	published	publish	VERB
aijssr-1921	112	5	in	in	ADP
aijssr-1921	112	6	2018	2018	NUM
aijssr-1921	112	7	.	.	PUNCT
aijssr-1921	113	1	in	in	ADP
aijssr-1921	113	2	addition	addition	NOUN
aijssr-1921	113	3	,	,	PUNCT
aijssr-1921	113	4	an	an	DET
aijssr-1921	113	5	islamic	islamic	ADJ
aijssr-1921	113	6	metric	metric	NOUN
aijssr-1921	113	7	for	for	ADP
aijssr-1921	113	8	customer	customer	NOUN
aijssr-1921	113	9	satisfaction	satisfaction	NOUN
aijssr-1921	113	10	and	and	CCONJ
aijssr-1921	113	11	an	an	DET
aijssr-1921	113	12	integrated	integrated	ADJ
aijssr-1921	113	13	model	model	NOUN
aijssr-1921	113	14	was	be	AUX
aijssr-1921	113	15	established	establish	VERB
aijssr-1921	113	16	by	by	ADP
aijssr-1921	113	17	nuradli	nuradli	PROPN
aijssr-1921	113	18	ridzwan	ridzwan	PROPN
aijssr-1921	113	19	and	and	CCONJ
aijssr-1921	113	20	shah	shah	PROPN
aijssr-1921	113	21	bin	bin	PROPN
aijssr-1921	113	22	mohd	mohd	PROPN
aijssr-1921	113	23	dali	dali	PROPN
aijssr-1921	113	24	in	in	ADP
aijssr-1921	113	25	2014	2014	NUM
aijssr-1921	113	26	.	.	PUNCT
aijssr-1921	114	1	this	this	DET
aijssr-1921	114	2	study	study	NOUN
aijssr-1921	114	3	focuses	focus	VERB
aijssr-1921	114	4	on	on	ADP
aijssr-1921	114	5	the	the	DET
aijssr-1921	114	6	impact	impact	NOUN
aijssr-1921	114	7	of	of	ADP
aijssr-1921	114	8	faith	faith	NOUN
aijssr-1921	114	9	on	on	ADP
aijssr-1921	114	10	the	the	DET
aijssr-1921	114	11	happiness	happiness	NOUN
aijssr-1921	114	12	of	of	ADP
aijssr-1921	114	13	the	the	DET
aijssr-1921	114	14	progenitors	progenitor	NOUN
aijssr-1921	114	15	of	of	ADP
aijssr-1921	114	16	present	present	ADJ
aijssr-1921	114	17	-	-	PUNCT
aijssr-1921	114	18	day	day	NOUN
aijssr-1921	114	19	people	people	NOUN
aijssr-1921	114	20	who	who	PRON
aijssr-1921	114	21	use	use	VERB
aijssr-1921	114	22	islamic	islamic	ADJ
aijssr-1921	114	23	credit	credit	NOUN
aijssr-1921	114	24	cards	card	NOUN
aijssr-1921	114	25	.	.	PUNCT
aijssr-1921	115	1	the	the	DET
aijssr-1921	115	2	empirical	empirical	ADJ
aijssr-1921	115	3	data	datum	NOUN
aijssr-1921	115	4	is	be	AUX
aijssr-1921	115	5	presented	present	VERB
aijssr-1921	115	6	generally	generally	ADV
aijssr-1921	115	7	in	in	ADP
aijssr-1921	115	8	a	a	DET
aijssr-1921	115	9	mixed	mixed	ADJ
aijssr-1921	115	10	-	-	PUNCT
aijssr-1921	115	11	methods	method	NOUN
aijssr-1921	115	12	fashion	fashion	NOUN
aijssr-1921	115	13	.	.	PUNCT
aijssr-1921	116	1	semi	semi	ADJ
aijssr-1921	116	2	-	-	ADJ
aijssr-1921	116	3	structured	structured	ADJ
aijssr-1921	116	4	interviews	interview	NOUN
aijssr-1921	116	5	with	with	ADP
aijssr-1921	116	6	seven	seven	NUM
aijssr-1921	116	7	individuals	individual	NOUN
aijssr-1921	116	8	and	and	CCONJ
aijssr-1921	116	9	an	an	DET
aijssr-1921	116	10	online	online	ADJ
aijssr-1921	116	11	survey	survey	NOUN
aijssr-1921	116	12	with	with	ADP
aijssr-1921	116	13	560	560	NUM
aijssr-1921	116	14	credit	credit	NOUN
aijssr-1921	116	15	card	card	NOUN
aijssr-1921	116	16	-	-	PUNCT
aijssr-1921	116	17	using	use	VERB
aijssr-1921	116	18	malaysians	malaysians	PROPN
aijssr-1921	116	19	were	be	AUX
aijssr-1921	116	20	used	use	VERB
aijssr-1921	116	21	to	to	PART
aijssr-1921	116	22	collect	collect	VERB
aijssr-1921	116	23	qualitative	qualitative	NOUN
aijssr-1921	116	24	and	and	CCONJ
aijssr-1921	116	25	quantitative	quantitative	ADJ
aijssr-1921	116	26	data	datum	NOUN
aijssr-1921	116	27	.	.	PUNCT
aijssr-1921	117	1	the	the	DET
aijssr-1921	117	2	survey	survey	NOUN
aijssr-1921	117	3	findings	finding	NOUN
aijssr-1921	117	4	were	be	AUX
aijssr-1921	117	5	analyzed	analyze	VERB
aijssr-1921	117	6	using	use	VERB
aijssr-1921	117	7	both	both	CCONJ
aijssr-1921	117	8	confirmatory	confirmatory	NOUN
aijssr-1921	117	9	and	and	CCONJ
aijssr-1921	117	10	structural	structural	ADJ
aijssr-1921	117	11	equation	equation	NOUN
aijssr-1921	117	12	modeling	modeling	NOUN
aijssr-1921	117	13	.	.	PUNCT
aijssr-1921	118	1	most	most	ADJ
aijssr-1921	118	2	of	of	ADP
aijssr-1921	118	3	the	the	DET
aijssr-1921	118	4	study	study	NOUN
aijssr-1921	118	5	's	's	PART
aijssr-1921	118	6	findings	finding	NOUN
aijssr-1921	118	7	align	align	VERB
aijssr-1921	118	8	with	with	ADP
aijssr-1921	118	9	the	the	DET
aijssr-1921	118	10	theoretical	theoretical	ADJ
aijssr-1921	118	11	model	model	NOUN
aijssr-1921	118	12	's	's	PART
aijssr-1921	118	13	suggested	suggest	VERB
aijssr-1921	118	14	expected	expect	VERB
aijssr-1921	118	15	relationships	relationship	NOUN
aijssr-1921	118	16	.	.	PUNCT
aijssr-1921	119	1	several	several	ADJ
aijssr-1921	119	2	researchers	researcher	NOUN
aijssr-1921	119	3	came	come	VERB
aijssr-1921	119	4	to	to	ADP
aijssr-1921	119	5	this	this	DET
aijssr-1921	119	6	conclusion	conclusion	NOUN
aijssr-1921	119	7	.	.	PUNCT
aijssr-1921	120	1	however	however	ADV
aijssr-1921	120	2	,	,	PUNCT
aijssr-1921	120	3	in	in	ADP
aijssr-1921	120	4	2015	2015	NUM
aijssr-1921	120	5	,	,	PUNCT
aijssr-1921	120	6	ahmad	ahmad	PROPN
aijssr-1921	120	7	abdur	abdur	PROPN
aijssr-1921	120	8	-	-	PUNCT
aijssr-1921	120	9	raheem	raheem	NOUN
aijssr-1921	120	10	sabree	sabree	NOUN
aijssr-1921	120	11	and	and	CCONJ
aijssr-1921	120	12	younes	younes	PROPN
aijssr-1921	120	13	soualhi	soualhi	VERB
aijssr-1921	120	14	thoroughly	thoroughly	ADV
aijssr-1921	120	15	explained	explain	VERB
aijssr-1921	120	16	the	the	DET
aijssr-1921	120	17	technology	technology	NOUN
aijssr-1921	120	18	behind	behind	ADP
aijssr-1921	120	19	credit	credit	NOUN
aijssr-1921	120	20	cards	card	NOUN
aijssr-1921	120	21	,	,	PUNCT
aijssr-1921	120	22	particularly	particularly	ADV
aijssr-1921	120	23	emphasizing	emphasize	VERB
aijssr-1921	120	24	the	the	DET
aijssr-1921	120	25	islamic	islamic	ADJ
aijssr-1921	120	26	framework	framework	NOUN
aijssr-1921	120	27	in	in	ADP
aijssr-1921	120	28	which	which	PRON
aijssr-1921	120	29	its	its	PRON
aijssr-1921	120	30	many	many	ADJ
aijssr-1921	120	31	components	component	NOUN
aijssr-1921	120	32	might	might	AUX
aijssr-1921	120	33	be	be	AUX
aijssr-1921	120	34	comprehended	comprehend	VERB
aijssr-1921	120	35	.	.	PUNCT
aijssr-1921	121	1	that	that	PRON
aijssr-1921	121	2	was	be	AUX
aijssr-1921	121	3	done	do	VERB
aijssr-1921	121	4	to	to	PART
aijssr-1921	121	5	clarify	clarify	VERB
aijssr-1921	121	6	the	the	DET
aijssr-1921	121	7	usage	usage	NOUN
aijssr-1921	121	8	of	of	ADP
aijssr-1921	121	9	credit	credit	NOUN
aijssr-1921	121	10	cards	card	NOUN
aijssr-1921	121	11	by	by	ADP
aijssr-1921	121	12	islamic	islamic	ADJ
aijssr-1921	121	13	law	law	NOUN
aijssr-1921	121	14	.	.	PUNCT
aijssr-1921	122	1	they	they	PRON
aijssr-1921	122	2	went	go	VERB
aijssr-1921	122	3	out	out	ADP
aijssr-1921	122	4	to	to	PART
aijssr-1921	122	5	prove	prove	VERB
aijssr-1921	122	6	that	that	SCONJ
aijssr-1921	122	7	the	the	DET
aijssr-1921	122	8	core	core	NOUN
aijssr-1921	122	9	ideas	idea	NOUN
aijssr-1921	122	10	behind	behind	ADP
aijssr-1921	122	11	how	how	SCONJ
aijssr-1921	122	12	credit	credit	NOUN
aijssr-1921	122	13	card	card	NOUN
aijssr-1921	122	14	technology	technology	NOUN
aijssr-1921	122	15	works	work	VERB
aijssr-1921	122	16	can	can	AUX
aijssr-1921	122	17	be	be	AUX
aijssr-1921	122	18	found	find	VERB
aijssr-1921	122	19	in	in	ADP
aijssr-1921	122	20	the	the	DET
aijssr-1921	122	21	quran	quran	NOUN
aijssr-1921	122	22	,	,	PUNCT
aijssr-1921	122	23	and	and	CCONJ
aijssr-1921	122	24	they	they	PRON
aijssr-1921	122	25	did	do	VERB
aijssr-1921	122	26	it	it	PRON
aijssr-1921	122	27	.	.	PUNCT
aijssr-1921	123	1	several	several	ADJ
aijssr-1921	123	2	factors	factor	NOUN
aijssr-1921	123	3	,	,	PUNCT
aijssr-1921	123	4	including	include	VERB
aijssr-1921	123	5	"	"	PUNCT
aijssr-1921	123	6	financial	financial	ADJ
aijssr-1921	123	7	suggestion	suggestion	NOUN
aijssr-1921	123	8	,	,	PUNCT
aijssr-1921	123	9	"	"	PUNCT
aijssr-1921	123	10	"	"	PUNCT
aijssr-1921	123	11	understanding	understanding	NOUN
aijssr-1921	123	12	of	of	ADP
aijssr-1921	123	13	islamic	islamic	ADJ
aijssr-1921	123	14	credit	credit	NOUN
aijssr-1921	123	15	card	card	NOUN
aijssr-1921	123	16	,	,	PUNCT
aijssr-1921	123	17	"	"	PUNCT
aijssr-1921	123	18	"	"	PUNCT
aijssr-1921	123	19	age	age	NOUN
aijssr-1921	123	20	(	(	PUNCT
aijssr-1921	123	21	young	young	ADJ
aijssr-1921	123	22	)	)	PUNCT
aijssr-1921	123	23	,	,	PUNCT
aijssr-1921	123	24	"	"	PUNCT
aijssr-1921	123	25	"	"	PUNCT
aijssr-1921	123	26	marriage	marriage	NOUN
aijssr-1921	123	27	status	status	NOUN
aijssr-1921	123	28	,	,	PUNCT
aijssr-1921	123	29	"	"	PUNCT
aijssr-1921	123	30	"	"	PUNCT
aijssr-1921	123	31	religion	religion	NOUN
aijssr-1921	123	32	,	,	PUNCT
aijssr-1921	123	33	"	"	PUNCT
aijssr-1921	123	34	and	and	CCONJ
aijssr-1921	123	35	"	"	PUNCT
aijssr-1921	123	36	education	education	NOUN
aijssr-1921	123	37	level	level	NOUN
aijssr-1921	123	38	,	,	PUNCT
aijssr-1921	123	39	"	"	PUNCT
aijssr-1921	123	40	were	be	AUX
aijssr-1921	123	41	shown	show	VERB
aijssr-1921	123	42	to	to	PART
aijssr-1921	123	43	significantly	significantly	ADV
aijssr-1921	123	44	influence	influence	VERB
aijssr-1921	123	45	the	the	DET
aijssr-1921	123	46	desire	desire	NOUN
aijssr-1921	123	47	to	to	PART
aijssr-1921	123	48	use	use	VERB
aijssr-1921	123	49	an	an	DET
aijssr-1921	123	50	islamic	islamic	ADJ
aijssr-1921	123	51	credit	credit	NOUN
aijssr-1921	123	52	card	card	NOUN
aijssr-1921	123	53	in	in	ADP
aijssr-1921	123	54	a	a	DET
aijssr-1921	123	55	study	study	NOUN
aijssr-1921	123	56	done	do	VERB
aijssr-1921	123	57	by	by	ADP
aijssr-1921	123	58	hanudin	hanudin	PROPN
aijssr-1921	123	59	amin	amin	NOUN
aijssr-1921	123	60	in	in	ADP
aijssr-1921	123	61	2012	2012	NUM
aijssr-1921	123	62	.	.	PUNCT
aijssr-1921	124	1	furthermore	furthermore	ADV
aijssr-1921	124	2	,	,	PUNCT
aijssr-1921	124	3	the	the	DET
aijssr-1921	124	4	"	"	PUNCT
aijssr-1921	124	5	attitude	attitude	NOUN
aijssr-1921	124	6	toward	toward	ADP
aijssr-1921	124	7	islamic	islamic	ADJ
aijssr-1921	124	8	credit	credit	NOUN
aijssr-1921	124	9	cards	card	NOUN
aijssr-1921	124	10	"	"	PUNCT
aijssr-1921	124	11	did	do	AUX
aijssr-1921	124	12	not	not	PART
aijssr-1921	124	13	appear	appear	VERB
aijssr-1921	124	14	to	to	PART
aijssr-1921	124	15	have	have	VERB
aijssr-1921	124	16	a	a	DET
aijssr-1921	124	17	role	role	NOUN
aijssr-1921	124	18	in	in	ADP
aijssr-1921	124	19	determining	determine	VERB
aijssr-1921	124	20	the	the	DET
aijssr-1921	124	21	primary	primary	ADJ
aijssr-1921	124	22	function	function	NOUN
aijssr-1921	124	23	of	of	ADP
aijssr-1921	124	24	islamic	islamic	ADJ
aijssr-1921	124	25	credit	credit	NOUN
aijssr-1921	124	26	cards	card	NOUN
aijssr-1921	124	27	.	.	PUNCT
aijssr-1921	125	1	this	this	DET
aijssr-1921	125	2	study	study	NOUN
aijssr-1921	125	3	proposes	propose	VERB
aijssr-1921	125	4	a	a	DET
aijssr-1921	125	5	theoretical	theoretical	ADJ
aijssr-1921	125	6	framework	framework	NOUN
aijssr-1921	125	7	to	to	PART
aijssr-1921	125	8	investigate	investigate	VERB
aijssr-1921	125	9	the	the	DET
aijssr-1921	125	10	factors	factor	NOUN
aijssr-1921	125	11	that	that	PRON
aijssr-1921	125	12	establish	establish	VERB
aijssr-1921	125	13	the	the	DET
aijssr-1921	125	14	motivation	motivation	NOUN
aijssr-1921	125	15	for	for	ADP
aijssr-1921	125	16	using	use	VERB
aijssr-1921	125	17	an	an	DET
aijssr-1921	125	18	islamic	islamic	ADJ
aijssr-1921	125	19	credit	credit	NOUN
aijssr-1921	125	20	card	card	NOUN
aijssr-1921	125	21	.	.	PUNCT
aijssr-1921	126	1	tra	tra	NOUN
aijssr-1921	126	2	,	,	PUNCT
aijssr-1921	126	3	or	or	CCONJ
aijssr-1921	126	4	the	the	DET
aijssr-1921	126	5	theory	theory	NOUN
aijssr-1921	126	6	of	of	ADP
aijssr-1921	126	7	reasoned	reason	VERB
aijssr-1921	126	8	action	action	NOUN
aijssr-1921	126	9	,	,	PUNCT
aijssr-1921	126	10	served	serve	VERB
aijssr-1921	126	11	as	as	ADP
aijssr-1921	126	12	the	the	DET
aijssr-1921	126	13	theoretical	theoretical	ADJ
aijssr-1921	126	14	underpinning	underpinning	NOUN
aijssr-1921	126	15	for	for	ADP
aijssr-1921	126	16	this	this	DET
aijssr-1921	126	17	paradigm	paradigm	NOUN
aijssr-1921	126	18	.	.	PUNCT
aijssr-1921	127	1	a	a	DET
aijssr-1921	127	2	questionnaire	questionnaire	NOUN
aijssr-1921	127	3	was	be	AUX
aijssr-1921	127	4	emailed	email	VERB
aijssr-1921	127	5	to	to	ADP
aijssr-1921	127	6	354	354	NUM
aijssr-1921	127	7	people	people	NOUN
aijssr-1921	127	8	to	to	PART
aijssr-1921	127	9	collect	collect	VERB
aijssr-1921	127	10	the	the	DET
aijssr-1921	127	11	data	datum	NOUN
aijssr-1921	127	12	(	(	PUNCT
aijssr-1921	127	13	amin	amin	NOUN
aijssr-1921	127	14	,	,	PUNCT
aijssr-1921	127	15	2012	2012	NUM
aijssr-1921	127	16	)	)	PUNCT
aijssr-1921	127	17	.	.	PUNCT
aijssr-1921	128	1	it	it	PRON
aijssr-1921	128	2	was	be	AUX
aijssr-1921	128	3	shown	show	VERB
aijssr-1921	128	4	that	that	SCONJ
aijssr-1921	128	5	people	people	NOUN
aijssr-1921	128	6	's	's	PART
aijssr-1921	128	7	propensity	propensity	NOUN
aijssr-1921	128	8	to	to	PART
aijssr-1921	128	9	choose	choose	VERB
aijssr-1921	128	10	icc	icc	PROPN
aijssr-1921	128	11	was	be	AUX
aijssr-1921	128	12	significantly	significantly	ADV
aijssr-1921	128	13	influenced	influence	VERB
aijssr-1921	128	14	by	by	ADP
aijssr-1921	128	15	their	their	PRON
aijssr-1921	128	16	employment	employment	NOUN
aijssr-1921	128	17	industry	industry	NOUN
aijssr-1921	128	18	;	;	PUNCT
aijssr-1921	128	19	curiously	curiously	ADV
aijssr-1921	128	20	,	,	PUNCT
aijssr-1921	128	21	public	public	ADJ
aijssr-1921	128	22	servants	servant	NOUN
aijssr-1921	128	23	were	be	AUX
aijssr-1921	128	24	more	more	ADV
aijssr-1921	128	25	likely	likely	ADJ
aijssr-1921	128	26	to	to	PART
aijssr-1921	128	27	go	go	VERB
aijssr-1921	128	28	with	with	ADP
aijssr-1921	128	29	icc	icc	NOUN
aijssr-1921	128	30	than	than	ADP
aijssr-1921	128	31	private	private	ADJ
aijssr-1921	128	32	sector	sector	NOUN
aijssr-1921	128	33	workers	worker	NOUN
aijssr-1921	128	34	.	.	PUNCT
aijssr-1921	129	1	the	the	DET
aijssr-1921	129	2	work	work	NOUN
aijssr-1921	129	3	field	field	NOUN
aijssr-1921	129	4	was	be	AUX
aijssr-1921	129	5	shown	show	VERB
aijssr-1921	129	6	to	to	PART
aijssr-1921	129	7	be	be	AUX
aijssr-1921	129	8	the	the	DET
aijssr-1921	129	9	most	most	ADV
aijssr-1921	129	10	influential	influential	ADJ
aijssr-1921	129	11	factor	factor	NOUN
aijssr-1921	129	12	among	among	ADP
aijssr-1921	129	13	the	the	DET
aijssr-1921	129	14	seven	seven	NUM
aijssr-1921	129	15	demographic	demographic	ADJ
aijssr-1921	129	16	variables	variable	NOUN
aijssr-1921	129	17	.	.	PUNCT
aijssr-1921	130	1	researchers	researcher	NOUN
aijssr-1921	130	2	found	find	VERB
aijssr-1921	130	3	that	that	SCONJ
aijssr-1921	130	4	respondents	respondent	NOUN
aijssr-1921	130	5	preferred	preferred	ADJ
aijssr-1921	130	6	icc	icc	PROPN
aijssr-1921	130	7	for	for	ADP
aijssr-1921	130	8	online	online	ADJ
aijssr-1921	130	9	transactions	transaction	NOUN
aijssr-1921	130	10	since	since	SCONJ
aijssr-1921	130	11	it	it	PRON
aijssr-1921	130	12	was	be	AUX
aijssr-1921	130	13	cheaper	cheap	ADJ
aijssr-1921	130	14	and	and	CCONJ
aijssr-1921	130	15	safer	safe	ADJ
aijssr-1921	130	16	than	than	ADP
aijssr-1921	130	17	alternatives	alternative	NOUN
aijssr-1921	130	18	.	.	PUNCT
aijssr-1921	131	1	researchers	researcher	NOUN
aijssr-1921	131	2	found	find	VERB
aijssr-1921	131	3	similarities	similarity	NOUN
aijssr-1921	131	4	between	between	ADP
aijssr-1921	131	5	cccs	cccs	NOUN
aijssr-1921	131	6	and	and	CCONJ
aijssr-1921	131	7	iccs	iccs	NOUN
aijssr-1921	131	8	and	and	CCONJ
aijssr-1921	131	9	recommended	recommend	VERB
aijssr-1921	131	10	that	that	SCONJ
aijssr-1921	131	11	islamic	islamic	ADJ
aijssr-1921	131	12	financial	financial	ADJ
aijssr-1921	131	13	institutions	institution	NOUN
aijssr-1921	131	14	make	make	VERB
aijssr-1921	131	15	iccs	iccs	ADJ
aijssr-1921	131	16	shara	shara	PROPN
aijssr-1921	131	17	compliant	compliant	PROPN
aijssr-1921	131	18	while	while	SCONJ
aijssr-1921	131	19	recommending	recommend	VERB
aijssr-1921	131	20	that	that	SCONJ
aijssr-1921	131	21	cccs	cccs	NOUN
aijssr-1921	131	22	not	not	PART
aijssr-1921	131	23	try	try	VERB
aijssr-1921	131	24	to	to	PART
aijssr-1921	131	25	incorporate	incorporate	VERB
aijssr-1921	131	26	islamic	islamic	ADJ
aijssr-1921	131	27	principles	principle	NOUN
aijssr-1921	131	28	into	into	ADP
aijssr-1921	131	29	existing	exist	VERB
aijssr-1921	131	30	cccs	cccs	NOUN
aijssr-1921	131	31	.	.	PUNCT
aijssr-1921	132	1	this	this	PRON
aijssr-1921	132	2	was	be	AUX
aijssr-1921	132	3	because	because	SCONJ
aijssr-1921	132	4	analysts	analyst	NOUN
aijssr-1921	132	5	assumed	assume	VERB
aijssr-1921	132	6	iccs	iccs	PROPN
aijssr-1921	132	7	were	be	AUX
aijssr-1921	132	8	identical	identical	ADJ
aijssr-1921	132	9	to	to	ADP
aijssr-1921	132	10	cccs	cccs	PROPN
aijssr-1921	132	11	.	.	PUNCT
aijssr-1921	133	1	it	it	PRON
aijssr-1921	133	2	may	may	AUX
aijssr-1921	133	3	be	be	AUX
aijssr-1921	133	4	argued	argue	VERB
aijssr-1921	133	5	that	that	SCONJ
aijssr-1921	133	6	credit	credit	NOUN
aijssr-1921	133	7	card	card	NOUN
aijssr-1921	133	8	purchases	purchase	NOUN
aijssr-1921	133	9	done	do	VERB
aijssr-1921	133	10	online	online	ADV
aijssr-1921	133	11	are	be	AUX
aijssr-1921	133	12	safe	safe	ADJ
aijssr-1921	133	13	,	,	PUNCT
aijssr-1921	133	14	cccs	cccs	NOUN
aijssr-1921	133	15	and	and	CCONJ
aijssr-1921	133	16	iccs	iccs	NOUN
aijssr-1921	133	17	or	or	CCONJ
aijssr-1921	133	18	no	no	DET
aijssr-1921	133	19	cccs	cccs	NOUN
aijssr-1921	133	20	and	and	CCONJ
aijssr-1921	133	21	iccs	iccs	PROPN
aijssr-1921	133	22	,	,	PUNCT
aijssr-1921	133	23	unless	unless	SCONJ
aijssr-1921	133	24	the	the	DET
aijssr-1921	133	25	sites	site	NOUN
aijssr-1921	133	26	in	in	ADP
aijssr-1921	133	27	issue	issue	NOUN
aijssr-1921	133	28	are	be	AUX
aijssr-1921	133	29	not	not	PART
aijssr-1921	133	30	encrypted	encrypt	VERB
aijssr-1921	133	31	and	and	CCONJ
aijssr-1921	133	32	hence	hence	ADV
aijssr-1921	133	33	vulnerable	vulnerable	ADJ
aijssr-1921	133	34	to	to	ADP
aijssr-1921	133	35	hacking	hack	VERB
aijssr-1921	133	36	by	by	ADP
aijssr-1921	133	37	criminal	criminal	ADJ
aijssr-1921	133	38	organizations	organization	NOUN
aijssr-1921	133	39	engaged	engage	VERB
aijssr-1921	133	40	in	in	ADP
aijssr-1921	133	41	money	money	NOUN
aijssr-1921	133	42	laundering	laundering	NOUN
aijssr-1921	133	43	.	.	PUNCT
aijssr-1921	134	1	one	one	PRON
aijssr-1921	134	2	may	may	AUX
aijssr-1921	134	3	make	make	VERB
aijssr-1921	134	4	the	the	DET
aijssr-1921	134	5	case	case	NOUN
aijssr-1921	134	6	that	that	SCONJ
aijssr-1921	134	7	using	use	VERB
aijssr-1921	134	8	a	a	DET
aijssr-1921	134	9	credit	credit	NOUN
aijssr-1921	134	10	card	card	NOUN
aijssr-1921	134	11	via	via	ADP
aijssr-1921	134	12	the	the	DET
aijssr-1921	134	13	internet	internet	NOUN
aijssr-1921	134	14	compromises	compromise	VERB
aijssr-1921	134	15	security	security	NOUN
aijssr-1921	134	16	.	.	PUNCT
aijssr-1921	135	1	likely	likely	ADV
aijssr-1921	135	2	,	,	PUNCT
aijssr-1921	135	3	the	the	DET
aijssr-1921	135	4	safety	safety	NOUN
aijssr-1921	135	5	of	of	ADP
aijssr-1921	135	6	any	any	DET
aijssr-1921	135	7	online	online	ADJ
aijssr-1921	135	8	purchases	purchase	NOUN
aijssr-1921	135	9	you	you	PRON
aijssr-1921	135	10	make	make	VERB
aijssr-1921	135	11	at	at	ADP
aijssr-1921	135	12	this	this	DET
aijssr-1921	135	13	time	time	NOUN
aijssr-1921	135	14	may	may	AUX
aijssr-1921	135	15	be	be	AUX
aijssr-1921	135	16	jeopardized	jeopardize	VERB
aijssr-1921	135	17	.	.	PUNCT
aijssr-1921	136	1	it	it	PRON
aijssr-1921	136	2	is	be	AUX
aijssr-1921	136	3	safe	safe	ADJ
aijssr-1921	136	4	to	to	PART
aijssr-1921	136	5	say	say	VERB
aijssr-1921	136	6	that	that	SCONJ
aijssr-1921	136	7	the	the	DET
aijssr-1921	136	8	cccs	cccs	NOUN
aijssr-1921	136	9	and	and	CCONJ
aijssr-1921	136	10	iccs	iccs	NOUN
aijssr-1921	136	11	could	could	AUX
aijssr-1921	136	12	not	not	PART
aijssr-1921	136	13	be	be	AUX
aijssr-1921	136	14	more	more	ADV
aijssr-1921	136	15	dissimilar	dissimilar	ADJ
aijssr-1921	136	16	,	,	PUNCT
aijssr-1921	136	17	with	with	ADP
aijssr-1921	136	18	the	the	DET
aijssr-1921	136	19	cccs	cccs	NOUN
aijssr-1921	136	20	'	'	PART
aijssr-1921	136	21	contracts	contract	NOUN
aijssr-1921	136	22	and	and	CCONJ
aijssr-1921	136	23	conditions	condition	NOUN
aijssr-1921	136	24	being	be	AUX
aijssr-1921	136	25	drastically	drastically	ADV
aijssr-1921	136	26	different	different	ADJ
aijssr-1921	136	27	from	from	ADP
aijssr-1921	136	28	those	those	PRON
aijssr-1921	136	29	of	of	ADP
aijssr-1921	136	30	the	the	DET
aijssr-1921	136	31	iccs	iccs	PROPN
aijssr-1921	136	32	.	.	PUNCT
aijssr-1921	137	1	cccs	cccs	PROPN
aijssr-1921	137	2	were	be	AUX
aijssr-1921	137	3	very	very	ADV
aijssr-1921	137	4	different	different	ADJ
aijssr-1921	137	5	from	from	ADP
aijssr-1921	137	6	iccs	iccs	PROPN
aijssr-1921	137	7	.	.	PUNCT
aijssr-1921	138	1	sixty	sixty	NUM
aijssr-1921	138	2	-	-	PUNCT
aijssr-1921	138	3	five	five	NUM
aijssr-1921	138	4	people	people	NOUN
aijssr-1921	138	5	were	be	AUX
aijssr-1921	138	6	surveyed	survey	VERB
aijssr-1921	138	7	using	use	VERB
aijssr-1921	138	8	component	component	NOUN
aijssr-1921	138	9	analysis	analysis	NOUN
aijssr-1921	138	10	for	for	ADP
aijssr-1921	138	11	questions	question	NOUN
aijssr-1921	138	12	on	on	ADP
aijssr-1921	138	13	their	their	PRON
aijssr-1921	138	14	demographics	demographic	NOUN
aijssr-1921	138	15	,	,	PUNCT
aijssr-1921	138	16	whether	whether	SCONJ
aijssr-1921	138	17	or	or	CCONJ
aijssr-1921	138	18	not	not	PART
aijssr-1921	138	19	they	they	PRON
aijssr-1921	138	20	use	use	VERB
aijssr-1921	138	21	islamic	islamic	ADJ
aijssr-1921	138	22	credit	credit	NOUN
aijssr-1921	138	23	cards	card	NOUN
aijssr-1921	138	24	,	,	PUNCT
aijssr-1921	138	25	and	and	CCONJ
aijssr-1921	138	26	how	how	SCONJ
aijssr-1921	138	27	often	often	ADV
aijssr-1921	138	28	they	they	PRON
aijssr-1921	138	29	use	use	VERB
aijssr-1921	138	30	them	they	PRON
aijssr-1921	138	31	.	.	PUNCT
aijssr-1921	139	1	the	the	DET
aijssr-1921	139	2	investigation	investigation	NOUN
aijssr-1921	139	3	's	's	PART
aijssr-1921	139	4	results	result	NOUN
aijssr-1921	139	5	were	be	AUX
aijssr-1921	139	6	published	publish	VERB
aijssr-1921	139	7	.	.	PUNCT
aijssr-1921	140	1	according	accord	VERB
aijssr-1921	140	2	to	to	ADP
aijssr-1921	140	3	the	the	DET
aijssr-1921	140	4	results	result	NOUN
aijssr-1921	140	5	,	,	PUNCT
aijssr-1921	140	6	most	most	ADJ
aijssr-1921	140	7	respondents	respondent	NOUN
aijssr-1921	140	8	'	'	PART
aijssr-1921	140	9	decisions	decision	NOUN
aijssr-1921	140	10	to	to	PART
aijssr-1921	140	11	use	use	VERB
aijssr-1921	140	12	icc	icc	NOUN
aijssr-1921	140	13	were	be	AUX
aijssr-1921	140	14	heavily	heavily	ADV
aijssr-1921	140	15	influenced	influence	VERB
aijssr-1921	140	16	by	by	ADP
aijssr-1921	140	17	their	their	PRON
aijssr-1921	140	18	peers	peer	NOUN
aijssr-1921	140	19	.	.	PUNCT
aijssr-1921	141	1	the	the	DET
aijssr-1921	141	2	sales	sale	NOUN
aijssr-1921	141	3	promoters	promoter	NOUN
aijssr-1921	141	4	and	and	CCONJ
aijssr-1921	141	5	their	their	PRON
aijssr-1921	141	6	kin	kin	NOUN
aijssr-1921	141	7	(	(	PUNCT
aijssr-1921	141	8	dali	dali	PROPN
aijssr-1921	141	9	et	et	PROPN
aijssr-1921	141	10	al	al	PROPN
aijssr-1921	141	11	.	.	PROPN
aijssr-1921	141	12	,	,	PUNCT
aijssr-1921	141	13	2007	2007	NUM
aijssr-1921	141	14	)	)	PUNCT
aijssr-1921	141	15	.	.	PUNCT
aijssr-1921	142	1	researchers	researcher	NOUN
aijssr-1921	142	2	urged	urge	VERB
aijssr-1921	142	3	looking	look	VERB
aijssr-1921	142	4	at	at	ADP
aijssr-1921	142	5	other	other	ADJ
aijssr-1921	142	6	motivations	motivation	NOUN
aijssr-1921	142	7	for	for	ADP
aijssr-1921	142	8	using	use	VERB
aijssr-1921	142	9	islamic	islamic	ADJ
aijssr-1921	142	10	credit	credit	NOUN
aijssr-1921	142	11	cards	card	NOUN
aijssr-1921	142	12	.	.	PUNCT
aijssr-1921	143	1	interest	interest	NOUN
aijssr-1921	143	2	-	-	PUNCT
aijssr-1921	143	3	free	free	ADJ
aijssr-1921	143	4	and	and	CCONJ
aijssr-1921	143	5	sharia	sharia	PROPN
aijssr-1921	143	6	-	-	PUNCT
aijssr-1921	143	7	compliant	compliant	NOUN
aijssr-1921	143	8	,	,	PUNCT
aijssr-1921	143	9	with	with	ADP
aijssr-1921	143	10	credit	credit	NOUN
aijssr-1921	143	11	and	and	CCONJ
aijssr-1921	143	12	control	control	NOUN
aijssr-1921	143	13	,	,	PUNCT
aijssr-1921	143	14	bulk	bulk	ADJ
aijssr-1921	143	15	purchase	purchase	NOUN
aijssr-1921	143	16	and	and	CCONJ
aijssr-1921	143	17	status	status	NOUN
aijssr-1921	143	18	,	,	PUNCT
aijssr-1921	143	19	emergencies	emergency	NOUN
aijssr-1921	143	20	and	and	CCONJ
aijssr-1921	143	21	travel	travel	NOUN
aijssr-1921	143	22	,	,	PUNCT
aijssr-1921	143	23	an	an	DET
aijssr-1921	143	24	easy	easy	ADJ
aijssr-1921	143	25	payment	payment	NOUN
aijssr-1921	143	26	plan	plan	NOUN
aijssr-1921	143	27	,	,	PUNCT
aijssr-1921	143	28	knowledge	knowledge	NOUN
aijssr-1921	143	29	and	and	CCONJ
aijssr-1921	143	30	shariacompliance	shariacompliance	NOUN
aijssr-1921	143	31	status	status	NOUN
aijssr-1921	143	32	,	,	PUNCT
aijssr-1921	143	33	and	and	CCONJ
aijssr-1921	143	34	ultimately	ultimately	ADV
aijssr-1921	143	35	,	,	PUNCT
aijssr-1921	143	36	quick	quick	ADJ
aijssr-1921	143	37	access	access	NOUN
aijssr-1921	143	38	are	be	AUX
aijssr-1921	143	39	just	just	ADV
aijssr-1921	143	40	a	a	DET
aijssr-1921	143	41	few	few	ADJ
aijssr-1921	143	42	of	of	ADP
aijssr-1921	143	43	these	these	DET
aijssr-1921	143	44	advantages	advantage	NOUN
aijssr-1921	143	45	.	.	PUNCT
aijssr-1921	144	1	these	these	DET
aijssr-1921	144	2	considerations	consideration	NOUN
aijssr-1921	144	3	could	could	AUX
aijssr-1921	144	4	play	play	VERB
aijssr-1921	144	5	a	a	DET
aijssr-1921	144	6	role	role	NOUN
aijssr-1921	144	7	in	in	ADP
aijssr-1921	144	8	an	an	DET
aijssr-1921	144	9	eventual	eventual	ADJ
aijssr-1921	144	10	study	study	NOUN
aijssr-1921	144	11	of	of	ADP
aijssr-1921	144	12	how	how	SCONJ
aijssr-1921	144	13	muslims	muslims	PROPN
aijssr-1921	144	14	use	use	VERB
aijssr-1921	144	15	islamic	islamic	ADJ
aijssr-1921	144	16	credit	credit	NOUN
aijssr-1921	144	17	cards	card	NOUN
aijssr-1921	144	18	.	.	PUNCT
aijssr-1921	145	1	it	it	PRON
aijssr-1921	145	2	is	be	AUX
aijssr-1921	145	3	interesting	interesting	ADJ
aijssr-1921	145	4	to	to	PART
aijssr-1921	145	5	think	think	VERB
aijssr-1921	145	6	that	that	SCONJ
aijssr-1921	145	7	friends	friend	NOUN
aijssr-1921	145	8	,	,	PUNCT
aijssr-1921	145	9	not	not	PART
aijssr-1921	145	10	family	family	NOUN
aijssr-1921	145	11	members	member	NOUN
aijssr-1921	145	12	,	,	PUNCT
aijssr-1921	145	13	are	be	AUX
aijssr-1921	145	14	the	the	DET
aijssr-1921	145	15	most	most	ADV
aijssr-1921	145	16	likely	likely	ADJ
aijssr-1921	145	17	to	to	PART
aijssr-1921	145	18	persuade	persuade	VERB
aijssr-1921	145	19	you	you	PRON
aijssr-1921	145	20	to	to	PART
aijssr-1921	145	21	use	use	VERB
aijssr-1921	145	22	a	a	DET
aijssr-1921	145	23	credit	credit	NOUN
aijssr-1921	145	24	card	card	NOUN
aijssr-1921	145	25	.	.	PUNCT
aijssr-1921	146	1	friends	friend	NOUN
aijssr-1921	146	2	are	be	AUX
aijssr-1921	146	3	more	more	ADV
aijssr-1921	146	4	trustworthy	trustworthy	ADJ
aijssr-1921	146	5	than	than	ADP
aijssr-1921	146	6	family	family	NOUN
aijssr-1921	146	7	members	member	NOUN
aijssr-1921	146	8	because	because	SCONJ
aijssr-1921	146	9	they	they	PRON
aijssr-1921	146	10	genuinely	genuinely	ADV
aijssr-1921	146	11	care	care	VERB
aijssr-1921	146	12	about	about	ADP
aijssr-1921	146	13	one	one	NUM
aijssr-1921	146	14	another	another	DET
aijssr-1921	146	15	.	.	PUNCT
aijssr-1921	147	1	among	among	ADP
aijssr-1921	147	2	the	the	DET
aijssr-1921	147	3	essential	essential	ADJ
aijssr-1921	147	4	characteristics	characteristic	NOUN
aijssr-1921	147	5	of	of	ADP
aijssr-1921	147	6	icc	icc	PROPN
aijssr-1921	147	7	that	that	SCONJ
aijssr-1921	147	8	the	the	DET
aijssr-1921	147	9	investigation	investigation	NOUN
aijssr-1921	147	10	uncovered	uncover	VERB
aijssr-1921	147	11	is	be	AUX
aijssr-1921	147	12	that	that	SCONJ
aijssr-1921	147	13	the	the	DET
aijssr-1921	147	14	bank	bank	NOUN
aijssr-1921	147	15	's	's	PART
aijssr-1921	147	16	maximum	maximum	ADJ
aijssr-1921	147	17	profit	profit	NOUN
aijssr-1921	147	18	charge	charge	NOUN
aijssr-1921	147	19	from	from	ADP
aijssr-1921	147	20	the	the	DET
aijssr-1921	147	21	icc	icc	NOUN
aijssr-1921	147	22	sales	sale	NOUN
aijssr-1921	147	23	and	and	CCONJ
aijssr-1921	147	24	buy	buy	VERB
aijssr-1921	147	25	agreement	agreement	NOUN
aijssr-1921	147	26	is	be	AUX
aijssr-1921	147	27	passed	pass	VERB
aijssr-1921	147	28	on	on	ADP
aijssr-1921	147	29	to	to	ADP
aijssr-1921	147	30	the	the	DET
aijssr-1921	147	31	client	client	NOUN
aijssr-1921	147	32	.	.	PUNCT
aijssr-1921	148	1	this	this	PRON
aijssr-1921	148	2	is	be	AUX
aijssr-1921	148	3	a	a	DET
aijssr-1921	148	4	significant	significant	ADJ
aijssr-1921	148	5	new	new	ADJ
aijssr-1921	148	6	finding	finding	NOUN
aijssr-1921	148	7	about	about	ADP
aijssr-1921	148	8	icc	icc	NOUN
aijssr-1921	148	9	that	that	SCONJ
aijssr-1921	148	10	the	the	DET
aijssr-1921	148	11	research	research	NOUN
aijssr-1921	148	12	uncovered	uncover	VERB
aijssr-1921	148	13	.	.	PUNCT
aijssr-1921	149	1	this	this	DET
aijssr-1921	149	2	aspect	aspect	NOUN
aijssr-1921	149	3	was	be	AUX
aijssr-1921	149	4	highlighted	highlight	VERB
aijssr-1921	149	5	during	during	ADP
aijssr-1921	149	6	the	the	DET
aijssr-1921	149	7	inquiry	inquiry	NOUN
aijssr-1921	149	8	because	because	SCONJ
aijssr-1921	149	9	of	of	ADP
aijssr-1921	149	10	its	its	PRON
aijssr-1921	149	11	significance	significance	NOUN
aijssr-1921	149	12	.	.	PUNCT
aijssr-1921	150	1	another	another	DET
aijssr-1921	150	2	study	study	NOUN
aijssr-1921	150	3	looked	look	VERB
aijssr-1921	150	4	into	into	ADP
aijssr-1921	150	5	the	the	DET
aijssr-1921	150	6	advantages	advantage	NOUN
aijssr-1921	150	7	of	of	ADP
aijssr-1921	150	8	pre	pre	ADJ
aijssr-1921	150	9	-	-	ADJ
aijssr-1921	150	10	existing	exist	VERB
aijssr-1921	150	11	credit	credit	NOUN
aijssr-1921	150	12	cards	card	NOUN
aijssr-1921	150	13	to	to	PART
aijssr-1921	150	14	see	see	VERB
aijssr-1921	150	15	if	if	SCONJ
aijssr-1921	150	16	they	they	PRON
aijssr-1921	150	17	add	add	VERB
aijssr-1921	150	18	anything	anything	PRON
aijssr-1921	150	19	to	to	ADP
aijssr-1921	150	20	the	the	DET
aijssr-1921	150	21	economy	economy	NOUN
aijssr-1921	150	22	or	or	CCONJ
aijssr-1921	150	23	society	society	NOUN
aijssr-1921	150	24	.	.	PUNCT
aijssr-1921	151	1	the	the	DET
aijssr-1921	151	2	study	study	NOUN
aijssr-1921	151	3	concluded	conclude	VERB
aijssr-1921	151	4	that	that	SCONJ
aijssr-1921	151	5	the	the	DET
aijssr-1921	151	6	existing	exist	VERB
aijssr-1921	151	7	money	money	NOUN
aijssr-1921	151	8	lending	lending	NOUN
aijssr-1921	151	9	system	system	NOUN
aijssr-1921	151	10	via	via	ADP
aijssr-1921	151	11	credit	credit	NOUN
aijssr-1921	151	12	cards	card	NOUN
aijssr-1921	151	13	is	be	AUX
aijssr-1921	151	14	incompatible	incompatible	ADJ
aijssr-1921	151	15	with	with	ADP
aijssr-1921	151	16	islamic	islamic	ADJ
aijssr-1921	151	17	teaching	teaching	NOUN
aijssr-1921	151	18	due	due	ADP
aijssr-1921	151	19	to	to	ADP
aijssr-1921	151	20	the	the	DET
aijssr-1921	151	21	enforced	enforce	VERB
aijssr-1921	151	22	high	high	ADJ
aijssr-1921	151	23	-	-	PUNCT
aijssr-1921	151	24	interest	interest	NOUN
aijssr-1921	151	25	rate	rate	NOUN
aijssr-1921	151	26	.	.	PUNCT
aijssr-1921	152	1	however	however	ADV
aijssr-1921	152	2	,	,	PUNCT
aijssr-1921	152	3	unlike	unlike	ADP
aijssr-1921	152	4	conventional	conventional	ADJ
aijssr-1921	152	5	credit	credit	NOUN
aijssr-1921	152	6	cards	card	NOUN
aijssr-1921	152	7	,	,	PUNCT
aijssr-1921	152	8	islamic	islamic	ADJ
aijssr-1921	152	9	ones	one	NOUN
aijssr-1921	152	10	have	have	VERB
aijssr-1921	152	11	unique	unique	ADJ
aijssr-1921	152	12	characteristics	characteristic	NOUN
aijssr-1921	152	13	,	,	PUNCT
aijssr-1921	152	14	such	such	ADJ
aijssr-1921	152	15	as	as	ADP
aijssr-1921	152	16	a	a	DET
aijssr-1921	152	17	predetermined	predetermine	VERB
aijssr-1921	152	18	and	and	CCONJ
aijssr-1921	152	19	clearly	clearly	ADV
aijssr-1921	152	20	stated	state	VERB
aijssr-1921	152	21	interest	interest	NOUN
aijssr-1921	152	22	rate	rate	NOUN
aijssr-1921	152	23	on	on	ADP
aijssr-1921	152	24	profits	profit	NOUN
aijssr-1921	152	25	and	and	CCONJ
aijssr-1921	152	26	customer	customer	NOUN
aijssr-1921	152	27	service	service	NOUN
aijssr-1921	152	28	costs	cost	NOUN
aijssr-1921	152	29	.	.	PUNCT
aijssr-1921	153	1	among	among	ADP
aijssr-1921	153	2	the	the	DET
aijssr-1921	153	3	many	many	ADJ
aijssr-1921	153	4	chowdhury	chowdhury	PROPN
aijssr-1921	153	5	et	et	PROPN
aijssr-1921	153	6	al	al	PROPN
aijssr-1921	153	7	.	.	PROPN
aijssr-1921	153	8	,	,	PUNCT
aijssr-1921	153	9	american	american	PROPN
aijssr-1921	153	10	international	international	PROPN
aijssr-1921	153	11	journal	journal	PROPN
aijssr-1921	153	12	of	of	ADP
aijssr-1921	153	13	social	social	ADJ
aijssr-1921	153	14	science	science	NOUN
aijssr-1921	153	15	research	research	NOUN
aijssr-1921	153	16	14(1	14(1	NUM
aijssr-1921	153	17	)	)	PUNCT
aijssr-1921	153	18	(	(	PUNCT
aijssr-1921	153	19	2023	2023	NUM
aijssr-1921	153	20	)	)	PUNCT
aijssr-1921	153	21	,	,	PUNCT
aijssr-1921	153	22	1	1	NUM
aijssr-1921	153	23	-	-	SYM
aijssr-1921	153	24	8	8	NUM
aijssr-1921	153	25	4	4	NUM
aijssr-1921	153	26	characteristics	characteristic	NOUN
aijssr-1921	153	27	that	that	PRON
aijssr-1921	153	28	set	set	VERB
aijssr-1921	153	29	islamic	islamic	ADJ
aijssr-1921	153	30	credit	credit	NOUN
aijssr-1921	153	31	cards	card	NOUN
aijssr-1921	153	32	apart	apart	ADV
aijssr-1921	153	33	is	be	AUX
aijssr-1921	153	34	this	this	PRON
aijssr-1921	153	35	.	.	PUNCT
aijssr-1921	154	1	the	the	DET
aijssr-1921	154	2	author	author	NOUN
aijssr-1921	154	3	argues	argue	VERB
aijssr-1921	154	4	in	in	ADP
aijssr-1921	154	5	a	a	DET
aijssr-1921	154	6	later	later	ADJ
aijssr-1921	154	7	chapter	chapter	NOUN
aijssr-1921	154	8	that	that	PRON
aijssr-1921	154	9	people	people	NOUN
aijssr-1921	154	10	should	should	AUX
aijssr-1921	154	11	adjust	adjust	VERB
aijssr-1921	154	12	their	their	PRON
aijssr-1921	154	13	savings	saving	NOUN
aijssr-1921	154	14	and	and	CCONJ
aijssr-1921	154	15	credit	credit	NOUN
aijssr-1921	154	16	card	card	NOUN
aijssr-1921	154	17	habits	habit	NOUN
aijssr-1921	154	18	based	base	VERB
aijssr-1921	154	19	on	on	ADP
aijssr-1921	154	20	how	how	SCONJ
aijssr-1921	154	21	much	much	ADJ
aijssr-1921	154	22	money	money	NOUN
aijssr-1921	154	23	they	they	PRON
aijssr-1921	154	24	have	have	AUX
aijssr-1921	154	25	set	set	VERB
aijssr-1921	154	26	aside	aside	ADV
aijssr-1921	154	27	;	;	PUNCT
aijssr-1921	154	28	this	this	PRON
aijssr-1921	154	29	means	mean	VERB
aijssr-1921	154	30	that	that	SCONJ
aijssr-1921	154	31	as	as	SCONJ
aijssr-1921	154	32	savings	saving	NOUN
aijssr-1921	154	33	grow	grow	VERB
aijssr-1921	154	34	,	,	PUNCT
aijssr-1921	154	35	so	so	ADV
aijssr-1921	154	36	does	do	VERB
aijssr-1921	154	37	the	the	DET
aijssr-1921	154	38	length	length	NOUN
aijssr-1921	154	39	of	of	ADP
aijssr-1921	154	40	time	time	NOUN
aijssr-1921	154	41	a	a	DET
aijssr-1921	154	42	person	person	NOUN
aijssr-1921	154	43	may	may	AUX
aijssr-1921	154	44	borrow	borrow	VERB
aijssr-1921	154	45	from	from	ADP
aijssr-1921	154	46	a	a	DET
aijssr-1921	154	47	bank	bank	NOUN
aijssr-1921	154	48	interest	interest	NOUN
aijssr-1921	154	49	-	-	PUNCT
aijssr-1921	154	50	free	free	ADJ
aijssr-1921	154	51	.	.	PUNCT
aijssr-1921	155	1	in	in	ADP
aijssr-1921	155	2	reality	reality	NOUN
aijssr-1921	155	3	,	,	PUNCT
aijssr-1921	155	4	it	it	PRON
aijssr-1921	155	5	was	be	AUX
aijssr-1921	155	6	impossible	impossible	ADJ
aijssr-1921	155	7	to	to	PART
aijssr-1921	155	8	design	design	VERB
aijssr-1921	155	9	the	the	DET
aijssr-1921	155	10	ideal	ideal	ADJ
aijssr-1921	155	11	card	card	NOUN
aijssr-1921	155	12	because	because	SCONJ
aijssr-1921	155	13	debt	debt	NOUN
aijssr-1921	155	14	is	be	AUX
aijssr-1921	155	15	the	the	DET
aijssr-1921	155	16	backbone	backbone	NOUN
aijssr-1921	155	17	of	of	ADP
aijssr-1921	155	18	malaysia	malaysia	PROPN
aijssr-1921	155	19	's	's	PART
aijssr-1921	155	20	banking	banking	NOUN
aijssr-1921	155	21	system	system	NOUN
aijssr-1921	155	22	,	,	PUNCT
aijssr-1921	155	23	and	and	CCONJ
aijssr-1921	155	24	iccs	iccs	NOUN
aijssr-1921	155	25	are	be	AUX
aijssr-1921	155	26	financing	finance	VERB
aijssr-1921	155	27	mechanisms	mechanism	NOUN
aijssr-1921	155	28	.	.	PUNCT
aijssr-1921	156	1	this	this	PRON
aijssr-1921	156	2	made	make	VERB
aijssr-1921	156	3	it	it	PRON
aijssr-1921	156	4	impossible	impossible	ADJ
aijssr-1921	156	5	to	to	PART
aijssr-1921	156	6	make	make	VERB
aijssr-1921	156	7	the	the	DET
aijssr-1921	156	8	planned	plan	VERB
aijssr-1921	156	9	card	card	NOUN
aijssr-1921	156	10	.	.	PUNCT
aijssr-1921	157	1	shara	shara	PROPN
aijssr-1921	157	2	's	's	PART
aijssr-1921	157	3	ideas	idea	NOUN
aijssr-1921	157	4	of	of	ADP
aijssr-1921	157	5	maqasid	maqasid	NOUN
aijssr-1921	157	6	are	be	AUX
aijssr-1921	157	7	being	be	AUX
aijssr-1921	157	8	used	use	VERB
aijssr-1921	157	9	in	in	ADP
aijssr-1921	157	10	islamic	islamic	ADJ
aijssr-1921	157	11	banking	banking	NOUN
aijssr-1921	157	12	and	and	CCONJ
aijssr-1921	157	13	finance	finance	NOUN
aijssr-1921	157	14	in	in	ADP
aijssr-1921	157	15	a	a	DET
aijssr-1921	157	16	more	more	ADV
aijssr-1921	157	17	optimistic	optimistic	ADJ
aijssr-1921	157	18	development	development	NOUN
aijssr-1921	157	19	.	.	PUNCT
aijssr-1921	158	1	this	this	PRON
aijssr-1921	158	2	is	be	AUX
aijssr-1921	158	3	why	why	SCONJ
aijssr-1921	158	4	islamic	islamic	ADJ
aijssr-1921	158	5	banking	banking	NOUN
aijssr-1921	158	6	and	and	CCONJ
aijssr-1921	158	7	finance	finance	NOUN
aijssr-1921	158	8	promotes	promote	VERB
aijssr-1921	158	9	equality	equality	NOUN
aijssr-1921	158	10	and	and	CCONJ
aijssr-1921	158	11	equity	equity	NOUN
aijssr-1921	158	12	in	in	ADP
aijssr-1921	158	13	all	all	DET
aijssr-1921	158	14	spheres	sphere	NOUN
aijssr-1921	158	15	of	of	ADP
aijssr-1921	158	16	life	life	NOUN
aijssr-1921	158	17	.	.	PUNCT
aijssr-1921	159	1	this	this	DET
aijssr-1921	159	2	article	article	NOUN
aijssr-1921	159	3	delves	delve	VERB
aijssr-1921	159	4	into	into	ADP
aijssr-1921	159	5	why	why	SCONJ
aijssr-1921	159	6	fewer	few	ADJ
aijssr-1921	159	7	muslims	muslim	NOUN
aijssr-1921	159	8	have	have	AUX
aijssr-1921	159	9	adopted	adopt	VERB
aijssr-1921	159	10	islamic	islamic	ADJ
aijssr-1921	159	11	credit	credit	NOUN
aijssr-1921	159	12	cards	card	NOUN
aijssr-1921	159	13	than	than	ADP
aijssr-1921	159	14	traditional	traditional	ADJ
aijssr-1921	159	15	ones	one	NOUN
aijssr-1921	159	16	.	.	PUNCT
aijssr-1921	160	1	previous	previous	ADJ
aijssr-1921	160	2	research	research	NOUN
aijssr-1921	160	3	has	have	AUX
aijssr-1921	160	4	exposed	expose	VERB
aijssr-1921	160	5	iccs	iccs	NOUN
aijssr-1921	160	6	to	to	ADP
aijssr-1921	160	7	the	the	DET
aijssr-1921	160	8	problem	problem	NOUN
aijssr-1921	160	9	of	of	ADP
aijssr-1921	160	10	non	non	ADJ
aijssr-1921	160	11	-	-	ADJ
aijssr-1921	160	12	shara	shara	ADJ
aijssr-1921	160	13	compliance	compliance	NOUN
aijssr-1921	160	14	.	.	PUNCT
aijssr-1921	161	1	it	it	PRON
aijssr-1921	161	2	has	have	AUX
aijssr-1921	161	3	maintained	maintain	VERB
aijssr-1921	161	4	that	that	PRON
aijssr-1921	161	5	iccs	iccs	NOUN
aijssr-1921	161	6	are	be	AUX
aijssr-1921	161	7	fictional	fictional	ADJ
aijssr-1921	161	8	transactions	transaction	NOUN
aijssr-1921	161	9	and	and	CCONJ
aijssr-1921	161	10	activities	activity	NOUN
aijssr-1921	161	11	that	that	PRON
aijssr-1921	161	12	round	round	VERB
aijssr-1921	161	13	out	out	ADP
aijssr-1921	161	14	and	and	CCONJ
aijssr-1921	161	15	supplement	supplement	VERB
aijssr-1921	161	16	the	the	DET
aijssr-1921	161	17	process	process	NOUN
aijssr-1921	161	18	in	in	ADP
aijssr-1921	161	19	a	a	DET
aijssr-1921	161	20	way	way	NOUN
aijssr-1921	161	21	analogous	analogous	ADJ
aijssr-1921	161	22	to	to	ADP
aijssr-1921	161	23	that	that	PRON
aijssr-1921	161	24	of	of	ADP
aijssr-1921	161	25	cccs	cccs	PROPN
aijssr-1921	161	26	.	.	PUNCT
aijssr-1921	162	1	while	while	SCONJ
aijssr-1921	162	2	most	most	ADJ
aijssr-1921	162	3	of	of	ADP
aijssr-1921	162	4	those	those	PRON
aijssr-1921	162	5	surveyed	survey	VERB
aijssr-1921	162	6	identified	identify	VERB
aijssr-1921	162	7	as	as	ADP
aijssr-1921	162	8	muslims	muslim	NOUN
aijssr-1921	162	9	,	,	PUNCT
aijssr-1921	162	10	only	only	ADV
aijssr-1921	162	11	75.6	75.6	NUM
aijssr-1921	162	12	%	%	NOUN
aijssr-1921	162	13	and	and	CCONJ
aijssr-1921	162	14	30	30	NUM
aijssr-1921	162	15	%	%	NOUN
aijssr-1921	162	16	of	of	ADP
aijssr-1921	162	17	respondents	respondent	NOUN
aijssr-1921	162	18	were	be	AUX
aijssr-1921	162	19	familiar	familiar	ADJ
aijssr-1921	162	20	with	with	ADP
aijssr-1921	162	21	icc	icc	NOUN
aijssr-1921	162	22	contracts	contract	NOUN
aijssr-1921	162	23	and	and	CCONJ
aijssr-1921	162	24	structures	structure	NOUN
aijssr-1921	162	25	.	.	PUNCT
aijssr-1921	163	1	even	even	ADV
aijssr-1921	163	2	though	though	SCONJ
aijssr-1921	163	3	most	most	ADJ
aijssr-1921	163	4	respondents	respondent	NOUN
aijssr-1921	163	5	identified	identify	VERB
aijssr-1921	163	6	as	as	ADP
aijssr-1921	163	7	muslims	muslim	NOUN
aijssr-1921	163	8	,	,	PUNCT
aijssr-1921	163	9	this	this	PRON
aijssr-1921	163	10	was	be	AUX
aijssr-1921	163	11	nonetheless	nonetheless	ADV
aijssr-1921	163	12	the	the	DET
aijssr-1921	163	13	case	case	NOUN
aijssr-1921	163	14	.	.	PUNCT
aijssr-1921	164	1	the	the	DET
aijssr-1921	164	2	fantastic	fantastic	ADJ
aijssr-1921	164	3	phenomena	phenomenon	NOUN
aijssr-1921	164	4	were	be	AUX
aijssr-1921	164	5	further	far	ADV
aijssr-1921	164	6	corroborated	corroborate	VERB
aijssr-1921	164	7	by	by	ADP
aijssr-1921	164	8	the	the	DET
aijssr-1921	164	9	findings	finding	NOUN
aijssr-1921	164	10	,	,	PUNCT
aijssr-1921	164	11	which	which	PRON
aijssr-1921	164	12	demonstrated	demonstrate	VERB
aijssr-1921	164	13	that	that	SCONJ
aijssr-1921	164	14	just	just	ADV
aijssr-1921	164	15	34.64	34.64	NUM
aijssr-1921	164	16	%	%	NOUN
aijssr-1921	164	17	of	of	ADP
aijssr-1921	164	18	malaysians	malaysians	PROPN
aijssr-1921	164	19	had	have	AUX
aijssr-1921	164	20	had	have	VERB
aijssr-1921	164	21	an	an	DET
aijssr-1921	164	22	islamic	islamic	PROPN
aijssr-1921	164	23	bank	bank	PROPN
aijssr-1921	164	24	account	account	NOUN
aijssr-1921	164	25	,	,	PUNCT
aijssr-1921	164	26	despite	despite	SCONJ
aijssr-1921	164	27	islamic	islamic	ADJ
aijssr-1921	164	28	banking	banking	NOUN
aijssr-1921	164	29	's	's	PART
aijssr-1921	164	30	more	more	ADJ
aijssr-1921	164	31	than	than	ADP
aijssr-1921	164	32	thirtyyear	thirtyyear	ADJ
aijssr-1921	164	33	history	history	NOUN
aijssr-1921	164	34	in	in	ADP
aijssr-1921	164	35	the	the	DET
aijssr-1921	164	36	country	country	NOUN
aijssr-1921	164	37	.	.	PUNCT
aijssr-1921	165	1	despite	despite	SCONJ
aijssr-1921	165	2	islamic	islamic	ADJ
aijssr-1921	165	3	banking	banking	NOUN
aijssr-1921	165	4	's	's	PART
aijssr-1921	165	5	long	long	ADJ
aijssr-1921	165	6	history	history	NOUN
aijssr-1921	165	7	(	(	PUNCT
aijssr-1921	165	8	almost	almost	ADV
aijssr-1921	165	9	thirty	thirty	NUM
aijssr-1921	165	10	years	year	NOUN
aijssr-1921	165	11	)	)	PUNCT
aijssr-1921	165	12	,	,	PUNCT
aijssr-1921	165	13	just	just	ADV
aijssr-1921	165	14	34.64	34.64	NUM
aijssr-1921	165	15	percent	percent	NOUN
aijssr-1921	165	16	of	of	ADP
aijssr-1921	165	17	malaysians	malaysians	PROPN
aijssr-1921	165	18	have	have	AUX
aijssr-1921	165	19	used	use	VERB
aijssr-1921	165	20	an	an	DET
aijssr-1921	165	21	islamic	islamic	PROPN
aijssr-1921	165	22	bank	bank	PROPN
aijssr-1921	165	23	account	account	NOUN
aijssr-1921	165	24	.	.	PUNCT
aijssr-1921	166	1	according	accord	VERB
aijssr-1921	166	2	to	to	ADP
aijssr-1921	166	3	the	the	DET
aijssr-1921	166	4	survey	survey	NOUN
aijssr-1921	166	5	,	,	PUNCT
aijssr-1921	166	6	100	100	NUM
aijssr-1921	166	7	%	%	NOUN
aijssr-1921	166	8	of	of	ADP
aijssr-1921	166	9	participants	participant	NOUN
aijssr-1921	166	10	were	be	AUX
aijssr-1921	166	11	familiar	familiar	ADJ
aijssr-1921	166	12	with	with	ADP
aijssr-1921	166	13	islamic	islamic	ADJ
aijssr-1921	166	14	banking	banking	NOUN
aijssr-1921	166	15	,	,	PUNCT
aijssr-1921	166	16	and	and	CCONJ
aijssr-1921	166	17	approximately	approximately	ADV
aijssr-1921	166	18	50	50	NUM
aijssr-1921	166	19	%	%	NOUN
aijssr-1921	166	20	held	hold	VERB
aijssr-1921	166	21	accounts	account	NOUN
aijssr-1921	166	22	at	at	ADP
aijssr-1921	166	23	islamic	islamic	ADJ
aijssr-1921	166	24	banks	bank	NOUN
aijssr-1921	166	25	.	.	PUNCT
aijssr-1921	167	1	nonetheless	nonetheless	ADV
aijssr-1921	167	2	,	,	PUNCT
aijssr-1921	167	3	the	the	DET
aijssr-1921	167	4	results	result	NOUN
aijssr-1921	167	5	of	of	ADP
aijssr-1921	167	6	his	his	PRON
aijssr-1921	167	7	investigation	investigation	NOUN
aijssr-1921	167	8	were	be	AUX
aijssr-1921	167	9	unexpected	unexpected	ADJ
aijssr-1921	167	10	.	.	PUNCT
aijssr-1921	168	1	this	this	PRON
aijssr-1921	168	2	shows	show	VERB
aijssr-1921	168	3	that	that	SCONJ
aijssr-1921	168	4	despite	despite	SCONJ
aijssr-1921	168	5	the	the	DET
aijssr-1921	168	6	financial	financial	ADJ
aijssr-1921	168	7	sector	sector	NOUN
aijssr-1921	168	8	's	's	PART
aijssr-1921	168	9	fast	fast	ADJ
aijssr-1921	168	10	growth	growth	NOUN
aijssr-1921	168	11	,	,	PUNCT
aijssr-1921	168	12	there	there	PRON
aijssr-1921	168	13	is	be	VERB
aijssr-1921	168	14	still	still	ADV
aijssr-1921	168	15	a	a	DET
aijssr-1921	168	16	long	long	ADJ
aijssr-1921	168	17	way	way	NOUN
aijssr-1921	168	18	to	to	PART
aijssr-1921	168	19	go	go	VERB
aijssr-1921	168	20	before	before	ADP
aijssr-1921	168	21	the	the	DET
aijssr-1921	168	22	general	general	ADJ
aijssr-1921	168	23	public	public	ADJ
aijssr-1921	168	24	trusts	trust	NOUN
aijssr-1921	168	25	and	and	CCONJ
aijssr-1921	168	26	understands	understand	VERB
aijssr-1921	168	27	it	it	PRON
aijssr-1921	168	28	.	.	PUNCT
aijssr-1921	169	1	although	although	SCONJ
aijssr-1921	169	2	most	most	ADJ
aijssr-1921	169	3	muslims	muslim	NOUN
aijssr-1921	169	4	worldwide	worldwide	ADV
aijssr-1921	169	5	,	,	PUNCT
aijssr-1921	169	6	especially	especially	ADV
aijssr-1921	169	7	in	in	ADP
aijssr-1921	169	8	south	south	PROPN
aijssr-1921	169	9	africa	africa	PROPN
aijssr-1921	169	10	,	,	PUNCT
aijssr-1921	169	11	are	be	AUX
aijssr-1921	169	12	aware	aware	ADJ
aijssr-1921	169	13	of	of	ADP
aijssr-1921	169	14	islamic	islamic	ADJ
aijssr-1921	169	15	banking	banking	NOUN
aijssr-1921	169	16	,	,	PUNCT
aijssr-1921	169	17	only	only	ADV
aijssr-1921	169	18	a	a	DET
aijssr-1921	169	19	tiny	tiny	ADJ
aijssr-1921	169	20	fraction	fraction	NOUN
aijssr-1921	169	21	use	use	VERB
aijssr-1921	169	22	it	it	PRON
aijssr-1921	169	23	.	.	PUNCT
aijssr-1921	170	1	this	this	PRON
aijssr-1921	170	2	is	be	AUX
aijssr-1921	170	3	especially	especially	ADV
aijssr-1921	170	4	true	true	ADJ
aijssr-1921	170	5	when	when	SCONJ
aijssr-1921	170	6	compared	compare	VERB
aijssr-1921	170	7	to	to	ADP
aijssr-1921	170	8	the	the	DET
aijssr-1921	170	9	utilization	utilization	NOUN
aijssr-1921	170	10	rates	rate	NOUN
aijssr-1921	170	11	of	of	ADP
aijssr-1921	170	12	conventional	conventional	ADJ
aijssr-1921	170	13	banking	banking	NOUN
aijssr-1921	170	14	.	.	PUNCT
aijssr-1921	171	1	another	another	DET
aijssr-1921	171	2	turkish	turkish	ADJ
aijssr-1921	171	3	research	research	NOUN
aijssr-1921	171	4	found	find	VERB
aijssr-1921	171	5	that	that	SCONJ
aijssr-1921	171	6	the	the	DET
aijssr-1921	171	7	licensing	licensing	NOUN
aijssr-1921	171	8	(	(	PUNCT
aijssr-1921	171	9	or	or	CCONJ
aijssr-1921	171	10	palatalization	palatalization	NOUN
aijssr-1921	171	11	)	)	PUNCT
aijssr-1921	171	12	process	process	NOUN
aijssr-1921	171	13	slowed	slow	VERB
aijssr-1921	171	14	the	the	DET
aijssr-1921	171	15	growth	growth	NOUN
aijssr-1921	171	16	of	of	ADP
aijssr-1921	171	17	islamic	islamic	ADJ
aijssr-1921	171	18	financial	financial	ADJ
aijssr-1921	171	19	centres	centre	NOUN
aijssr-1921	171	20	(	(	PUNCT
aijssr-1921	171	21	iccs	iccs	PROPN
aijssr-1921	171	22	)	)	PUNCT
aijssr-1921	171	23	and	and	CCONJ
aijssr-1921	171	24	had	have	VERB
aijssr-1921	171	25	no	no	DET
aijssr-1921	171	26	influence	influence	NOUN
aijssr-1921	171	27	on	on	ADP
aijssr-1921	171	28	the	the	DET
aijssr-1921	171	29	local	local	ADJ
aijssr-1921	171	30	economy	economy	NOUN
aijssr-1921	171	31	.	.	PUNCT
aijssr-1921	172	1	materials	material	NOUN
aijssr-1921	172	2	and	and	CCONJ
aijssr-1921	172	3	methods	method	NOUN
aijssr-1921	172	4	the	the	DET
aijssr-1921	172	5	case	case	NOUN
aijssr-1921	172	6	study	study	NOUN
aijssr-1921	172	7	method	method	NOUN
aijssr-1921	172	8	has	have	AUX
aijssr-1921	172	9	evolved	evolve	VERB
aijssr-1921	172	10	over	over	ADP
aijssr-1921	172	11	the	the	DET
aijssr-1921	172	12	past	past	ADJ
aijssr-1921	172	13	few	few	ADJ
aijssr-1921	172	14	years	year	NOUN
aijssr-1921	172	15	and	and	CCONJ
aijssr-1921	172	16	developed	develop	VERB
aijssr-1921	172	17	into	into	ADP
aijssr-1921	172	18	a	a	DET
aijssr-1921	172	19	valuable	valuable	ADJ
aijssr-1921	172	20	research	research	NOUN
aijssr-1921	172	21	method	method	NOUN
aijssr-1921	172	22	.	.	PUNCT
aijssr-1921	173	1	as	as	SCONJ
aijssr-1921	173	2	the	the	DET
aijssr-1921	173	3	name	name	NOUN
aijssr-1921	173	4	suggests	suggest	VERB
aijssr-1921	173	5	,	,	PUNCT
aijssr-1921	173	6	it	it	PRON
aijssr-1921	173	7	is	be	AUX
aijssr-1921	173	8	used	use	VERB
aijssr-1921	173	9	for	for	ADP
aijssr-1921	173	10	explaining	explain	VERB
aijssr-1921	173	11	an	an	DET
aijssr-1921	173	12	organization	organization	NOUN
aijssr-1921	173	13	or	or	CCONJ
aijssr-1921	173	14	an	an	DET
aijssr-1921	173	15	entity	entity	NOUN
aijssr-1921	173	16	.	.	PUNCT
aijssr-1921	174	1	the	the	DET
aijssr-1921	174	2	study	study	NOUN
aijssr-1921	174	3	is	be	AUX
aijssr-1921	174	4	done	do	VERB
aijssr-1921	174	5	in	in	ADP
aijssr-1921	174	6	a	a	DET
aijssr-1921	174	7	case	case	NOUN
aijssr-1921	174	8	study	study	NOUN
aijssr-1921	174	9	and	and	CCONJ
aijssr-1921	174	10	descriptive	descriptive	ADJ
aijssr-1921	174	11	,	,	PUNCT
aijssr-1921	174	12	which	which	PRON
aijssr-1921	174	13	employs	employ	VERB
aijssr-1921	174	14	rigorous	rigorous	ADJ
aijssr-1921	174	15	literature	literature	NOUN
aijssr-1921	174	16	studies	study	NOUN
aijssr-1921	174	17	and	and	CCONJ
aijssr-1921	174	18	investigates	investigate	VERB
aijssr-1921	174	19	the	the	DET
aijssr-1921	174	20	existing	exist	VERB
aijssr-1921	174	21	theories	theory	NOUN
aijssr-1921	174	22	.	.	PUNCT
aijssr-1921	175	1	the	the	DET
aijssr-1921	175	2	holy	holy	PROPN
aijssr-1921	175	3	quran	quran	PROPN
aijssr-1921	175	4	is	be	AUX
aijssr-1921	175	5	the	the	DET
aijssr-1921	175	6	source	source	NOUN
aijssr-1921	175	7	of	of	ADP
aijssr-1921	175	8	the	the	DET
aijssr-1921	175	9	fundamental	fundamental	ADJ
aijssr-1921	175	10	laws	law	NOUN
aijssr-1921	175	11	that	that	PRON
aijssr-1921	175	12	govern	govern	VERB
aijssr-1921	175	13	what	what	PRON
aijssr-1921	175	14	is	be	AUX
aijssr-1921	175	15	and	and	CCONJ
aijssr-1921	175	16	is	be	AUX
aijssr-1921	175	17	not	not	PART
aijssr-1921	175	18	allowed	allow	VERB
aijssr-1921	175	19	in	in	ADP
aijssr-1921	175	20	terms	term	NOUN
aijssr-1921	175	21	of	of	ADP
aijssr-1921	175	22	credit	credit	NOUN
aijssr-1921	175	23	and	and	CCONJ
aijssr-1921	175	24	debt	debt	NOUN
aijssr-1921	175	25	.	.	PUNCT
aijssr-1921	176	1	after	after	ADP
aijssr-1921	176	2	then	then	ADV
aijssr-1921	176	3	,	,	PUNCT
aijssr-1921	176	4	the	the	DET
aijssr-1921	176	5	attributes	attribute	NOUN
aijssr-1921	176	6	of	of	ADP
aijssr-1921	176	7	the	the	DET
aijssr-1921	176	8	cards	card	NOUN
aijssr-1921	176	9	that	that	PRON
aijssr-1921	176	10	are	be	AUX
aijssr-1921	176	11	being	be	AUX
aijssr-1921	176	12	presented	present	VERB
aijssr-1921	176	13	are	be	AUX
aijssr-1921	176	14	analyzed	analyze	VERB
aijssr-1921	176	15	in	in	ADP
aijssr-1921	176	16	light	light	NOUN
aijssr-1921	176	17	of	of	ADP
aijssr-1921	176	18	those	those	DET
aijssr-1921	176	19	principles	principle	NOUN
aijssr-1921	176	20	in	in	ADP
aijssr-1921	176	21	order	order	NOUN
aijssr-1921	176	22	to	to	PART
aijssr-1921	176	23	ensure	ensure	VERB
aijssr-1921	176	24	that	that	SCONJ
aijssr-1921	176	25	they	they	PRON
aijssr-1921	176	26	adhere	adhere	VERB
aijssr-1921	176	27	to	to	ADP
aijssr-1921	176	28	sharia	sharia	PROPN
aijssr-1921	176	29	,	,	PUNCT
aijssr-1921	176	30	which	which	PRON
aijssr-1921	176	31	is	be	AUX
aijssr-1921	176	32	a	a	DET
aijssr-1921	176	33	religious	religious	ADJ
aijssr-1921	176	34	law	law	NOUN
aijssr-1921	176	35	.	.	PUNCT
aijssr-1921	177	1	the	the	DET
aijssr-1921	177	2	study	study	NOUN
aijssr-1921	177	3	explored	explore	VERB
aijssr-1921	177	4	the	the	DET
aijssr-1921	177	5	crucial	crucial	ADJ
aijssr-1921	177	6	features	feature	NOUN
aijssr-1921	177	7	of	of	ADP
aijssr-1921	177	8	the	the	DET
aijssr-1921	177	9	existing	exist	VERB
aijssr-1921	177	10	islamic	islamic	ADJ
aijssr-1921	177	11	credit	credit	NOUN
aijssr-1921	177	12	cards	card	NOUN
aijssr-1921	177	13	and	and	CCONJ
aijssr-1921	177	14	evaluated	evaluate	VERB
aijssr-1921	177	15	the	the	DET
aijssr-1921	177	16	shariah	shariah	PROPN
aijssr-1921	177	17	compliance	compliance	NOUN
aijssr-1921	177	18	of	of	ADP
aijssr-1921	177	19	those	those	DET
aijssr-1921	177	20	concepts	concept	NOUN
aijssr-1921	177	21	.	.	PUNCT
aijssr-1921	178	1	after	after	ADP
aijssr-1921	178	2	that	that	PRON
aijssr-1921	178	3	,	,	PUNCT
aijssr-1921	178	4	it	it	PRON
aijssr-1921	178	5	concluded	conclude	VERB
aijssr-1921	178	6	the	the	DET
aijssr-1921	178	7	permissibility	permissibility	NOUN
aijssr-1921	178	8	of	of	ADP
aijssr-1921	178	9	the	the	DET
aijssr-1921	178	10	card	card	NOUN
aijssr-1921	178	11	from	from	ADP
aijssr-1921	178	12	an	an	DET
aijssr-1921	178	13	islamic	islamic	ADJ
aijssr-1921	178	14	shariah	shariah	PROPN
aijssr-1921	178	15	perspective	perspective	PROPN
aijssr-1921	178	16	.	.	PUNCT
aijssr-1921	179	1	results	result	NOUN
aijssr-1921	179	2	and	and	CCONJ
aijssr-1921	179	3	discussions	discussion	NOUN
aijssr-1921	179	4	islamic	islamic	ADJ
aijssr-1921	179	5	credit	credit	NOUN
aijssr-1921	179	6	cards	card	NOUN
aijssr-1921	179	7	the	the	DET
aijssr-1921	179	8	islamic	islamic	ADJ
aijssr-1921	179	9	credit	credit	NOUN
aijssr-1921	179	10	card	card	NOUN
aijssr-1921	179	11	,	,	PUNCT
aijssr-1921	179	12	which	which	PRON
aijssr-1921	179	13	was	be	AUX
aijssr-1921	179	14	established	establish	VERB
aijssr-1921	179	15	in	in	ADP
aijssr-1921	179	16	line	line	NOUN
aijssr-1921	179	17	with	with	ADP
aijssr-1921	179	18	the	the	DET
aijssr-1921	179	19	rules	rule	NOUN
aijssr-1921	179	20	and	and	CCONJ
aijssr-1921	179	21	principles	principle	NOUN
aijssr-1921	179	22	of	of	ADP
aijssr-1921	179	23	shara	shara	NOUN
aijssr-1921	179	24	to	to	PART
aijssr-1921	179	25	enable	enable	VERB
aijssr-1921	179	26	the	the	DET
aijssr-1921	179	27	use	use	NOUN
aijssr-1921	179	28	of	of	ADP
aijssr-1921	179	29	credit	credit	NOUN
aijssr-1921	179	30	card	card	NOUN
aijssr-1921	179	31	services	service	NOUN
aijssr-1921	179	32	that	that	PRON
aijssr-1921	179	33	are	be	AUX
aijssr-1921	179	34	available	available	ADJ
aijssr-1921	179	35	to	to	ADP
aijssr-1921	179	36	customers	customer	NOUN
aijssr-1921	179	37	of	of	ADP
aijssr-1921	179	38	islamic	islamic	ADJ
aijssr-1921	179	39	banks	bank	NOUN
aijssr-1921	179	40	,	,	PUNCT
aijssr-1921	179	41	centres	centre	NOUN
aijssr-1921	179	42	on	on	ADP
aijssr-1921	179	43	the	the	DET
aijssr-1921	179	44	idea	idea	NOUN
aijssr-1921	179	45	of	of	ADP
aijssr-1921	179	46	"	"	PUNCT
aijssr-1921	179	47	purchase	purchase	VERB
aijssr-1921	179	48	now	now	ADV
aijssr-1921	179	49	,	,	PUNCT
aijssr-1921	179	50	pay	pay	VERB
aijssr-1921	179	51	later	later	ADV
aijssr-1921	179	52	,	,	PUNCT
aijssr-1921	179	53	"	"	PUNCT
aijssr-1921	179	54	which	which	PRON
aijssr-1921	179	55	is	be	AUX
aijssr-1921	179	56	at	at	ADP
aijssr-1921	179	57	the	the	DET
aijssr-1921	179	58	core	core	NOUN
aijssr-1921	179	59	of	of	ADP
aijssr-1921	179	60	the	the	DET
aijssr-1921	179	61	islamic	islamic	ADJ
aijssr-1921	179	62	credit	credit	NOUN
aijssr-1921	179	63	card	card	NOUN
aijssr-1921	179	64	.	.	PUNCT
aijssr-1921	180	1	credit	credit	NOUN
aijssr-1921	180	2	card	card	NOUN
aijssr-1921	180	3	services	service	NOUN
aijssr-1921	180	4	can	can	AUX
aijssr-1921	180	5	now	now	ADV
aijssr-1921	180	6	be	be	AUX
aijssr-1921	180	7	provided	provide	VERB
aijssr-1921	180	8	in	in	ADP
aijssr-1921	180	9	a	a	DET
aijssr-1921	180	10	way	way	NOUN
aijssr-1921	180	11	that	that	PRON
aijssr-1921	180	12	is	be	AUX
aijssr-1921	180	13	compliant	compliant	ADJ
aijssr-1921	180	14	with	with	ADP
aijssr-1921	180	15	the	the	DET
aijssr-1921	180	16	tenants	tenant	NOUN
aijssr-1921	180	17	of	of	ADP
aijssr-1921	180	18	islam	islam	PROPN
aijssr-1921	180	19	to	to	ADP
aijssr-1921	180	20	customers	customer	NOUN
aijssr-1921	180	21	of	of	ADP
aijssr-1921	180	22	islamic	islamic	ADJ
aijssr-1921	180	23	financial	financial	ADJ
aijssr-1921	180	24	institutions	institution	NOUN
aijssr-1921	180	25	,	,	PUNCT
aijssr-1921	180	26	so	so	SCONJ
aijssr-1921	180	27	they	they	PRON
aijssr-1921	180	28	can	can	AUX
aijssr-1921	180	29	use	use	VERB
aijssr-1921	180	30	these	these	DET
aijssr-1921	180	31	services	service	NOUN
aijssr-1921	180	32	without	without	ADP
aijssr-1921	180	33	compromising	compromise	VERB
aijssr-1921	180	34	their	their	PRON
aijssr-1921	180	35	beliefs	belief	NOUN
aijssr-1921	180	36	.	.	PUNCT
aijssr-1921	181	1	in	in	ADP
aijssr-1921	181	2	december	december	PROPN
aijssr-1921	181	3	2001	2001	NUM
aijssr-1921	181	4	,	,	PUNCT
aijssr-1921	181	5	the	the	DET
aijssr-1921	181	6	arab	arab	PROPN
aijssr-1921	181	7	malaysian	malaysian	PROPN
aijssr-1921	181	8	banking	banking	NOUN
aijssr-1921	181	9	group	group	NOUN
aijssr-1921	181	10	,	,	PUNCT
aijssr-1921	181	11	now	now	ADV
aijssr-1921	181	12	known	know	VERB
aijssr-1921	181	13	as	as	SCONJ
aijssr-1921	181	14	am	be	AUX
aijssr-1921	181	15	bank	bank	NOUN
aijssr-1921	181	16	of	of	ADP
aijssr-1921	181	17	malaysia	malaysia	PROPN
aijssr-1921	181	18	,	,	PUNCT
aijssr-1921	181	19	became	become	VERB
aijssr-1921	181	20	the	the	DET
aijssr-1921	181	21	first	first	ADJ
aijssr-1921	181	22	financial	financial	ADJ
aijssr-1921	181	23	institution	institution	NOUN
aijssr-1921	181	24	in	in	ADP
aijssr-1921	181	25	malaysia	malaysia	PROPN
aijssr-1921	181	26	to	to	PART
aijssr-1921	181	27	offer	offer	VERB
aijssr-1921	181	28	an	an	DET
aijssr-1921	181	29	islamic	islamic	ADJ
aijssr-1921	181	30	credit	credit	NOUN
aijssr-1921	181	31	card	card	NOUN
aijssr-1921	181	32	.	.	PUNCT
aijssr-1921	182	1	the	the	DET
aijssr-1921	182	2	card	card	NOUN
aijssr-1921	182	3	has	have	VERB
aijssr-1921	182	4	the	the	DET
aijssr-1921	182	5	al	al	PROPN
aijssr-1921	182	6	-	-	PUNCT
aijssr-1921	182	7	taslif	taslif	VERB
aijssr-1921	182	8	brand	brand	NOUN
aijssr-1921	182	9	name	name	NOUN
aijssr-1921	182	10	and	and	CCONJ
aijssr-1921	182	11	was	be	AUX
aijssr-1921	182	12	issued	issue	VERB
aijssr-1921	182	13	by	by	ADP
aijssr-1921	182	14	am	be	AUX
aijssr-1921	182	15	bank	bank	PROPN
aijssr-1921	182	16	of	of	ADP
aijssr-1921	182	17	malaysia	malaysia	PROPN
aijssr-1921	182	18	.	.	PUNCT
aijssr-1921	183	1	islamic	islamic	ADJ
aijssr-1921	183	2	credit	credit	NOUN
aijssr-1921	183	3	cards	card	NOUN
aijssr-1921	183	4	are	be	AUX
aijssr-1921	183	5	commonly	commonly	ADV
aijssr-1921	183	6	accepted	accept	VERB
aijssr-1921	183	7	since	since	SCONJ
aijssr-1921	183	8	they	they	PRON
aijssr-1921	183	9	are	be	AUX
aijssr-1921	183	10	functionally	functionally	ADV
aijssr-1921	183	11	equivalent	equivalent	ADJ
aijssr-1921	183	12	to	to	ADP
aijssr-1921	183	13	traditional	traditional	ADJ
aijssr-1921	183	14	credit	credit	NOUN
aijssr-1921	183	15	cards	card	NOUN
aijssr-1921	183	16	in	in	ADP
aijssr-1921	183	17	every	every	DET
aijssr-1921	183	18	other	other	ADJ
aijssr-1921	183	19	respect	respect	NOUN
aijssr-1921	183	20	.	.	PUNCT
aijssr-1921	184	1	notwithstanding	notwithstanding	ADP
aijssr-1921	184	2	this	this	PRON
aijssr-1921	184	3	,	,	PUNCT
aijssr-1921	184	4	a	a	DET
aijssr-1921	184	5	significant	significant	ADJ
aijssr-1921	184	6	number	number	NOUN
aijssr-1921	184	7	of	of	ADP
aijssr-1921	184	8	the	the	DET
aijssr-1921	184	9	very	very	ADV
aijssr-1921	184	10	first	first	ADJ
aijssr-1921	184	11	islamic	islamic	ADJ
aijssr-1921	184	12	credit	credit	NOUN
aijssr-1921	184	13	cards	card	NOUN
aijssr-1921	184	14	ever	ever	ADV
aijssr-1921	184	15	distributed	distribute	VERB
aijssr-1921	184	16	were	be	AUX
aijssr-1921	184	17	based	base	VERB
aijssr-1921	184	18	on	on	ADP
aijssr-1921	184	19	bay	bay	PROPN
aijssr-1921	184	20	al	al	PROPN
aijssr-1921	184	21	-	-	PROPN
aijssr-1921	184	22	nah	nah	PROPN
aijssr-1921	184	23	,	,	PUNCT
aijssr-1921	184	24	and	and	CCONJ
aijssr-1921	184	25	some	some	PRON
aijssr-1921	184	26	are	be	AUX
aijssr-1921	184	27	still	still	ADV
aijssr-1921	184	28	in	in	ADP
aijssr-1921	184	29	use	use	NOUN
aijssr-1921	184	30	today	today	NOUN
aijssr-1921	184	31	.	.	PUNCT
aijssr-1921	185	1	the	the	DET
aijssr-1921	185	2	bay	bay	PROPN
aijssr-1921	185	3	al	al	PROPN
aijssr-1921	185	4	-	-	PROPN
aijssr-1921	185	5	nah	nah	INTJ
aijssr-1921	185	6	design	design	NOUN
aijssr-1921	185	7	was	be	AUX
aijssr-1921	185	8	used	use	VERB
aijssr-1921	185	9	for	for	ADP
aijssr-1921	185	10	many	many	ADJ
aijssr-1921	185	11	of	of	ADP
aijssr-1921	185	12	the	the	DET
aijssr-1921	185	13	first	first	ADJ
aijssr-1921	185	14	islamic	islamic	ADJ
aijssr-1921	185	15	credit	credit	NOUN
aijssr-1921	185	16	cards	card	NOUN
aijssr-1921	185	17	.	.	PUNCT
aijssr-1921	186	1	we	we	PRON
aijssr-1921	186	2	will	will	AUX
aijssr-1921	186	3	review	review	VERB
aijssr-1921	186	4	each	each	DET
aijssr-1921	186	5	card	card	NOUN
aijssr-1921	186	6	's	's	PART
aijssr-1921	186	7	positives	positive	NOUN
aijssr-1921	186	8	and	and	CCONJ
aijssr-1921	186	9	negatives	negative	NOUN
aijssr-1921	186	10	while	while	SCONJ
aijssr-1921	186	11	keeping	keep	VERB
aijssr-1921	186	12	an	an	DET
aijssr-1921	186	13	eye	eye	NOUN
aijssr-1921	186	14	out	out	ADP
aijssr-1921	186	15	for	for	ADP
aijssr-1921	186	16	the	the	DET
aijssr-1921	186	17	fundamental	fundamental	ADJ
aijssr-1921	186	18	characteristics	characteristic	NOUN
aijssr-1921	186	19	that	that	PRON
aijssr-1921	186	20	differentiate	differentiate	VERB
aijssr-1921	186	21	them	they	PRON
aijssr-1921	186	22	from	from	ADP
aijssr-1921	186	23	one	one	NUM
aijssr-1921	186	24	another	another	DET
aijssr-1921	186	25	.	.	PUNCT
aijssr-1921	187	1	numerous	numerous	ADJ
aijssr-1921	187	2	sectors	sector	NOUN
aijssr-1921	187	3	use	use	VERB
aijssr-1921	187	4	a	a	DET
aijssr-1921	187	5	diverse	diverse	ADJ
aijssr-1921	187	6	range	range	NOUN
aijssr-1921	187	7	of	of	ADP
aijssr-1921	187	8	"	"	PUNCT
aijssr-1921	187	9	islamic	islamic	ADJ
aijssr-1921	187	10	credit	credit	NOUN
aijssr-1921	187	11	cards	card	NOUN
aijssr-1921	187	12	,	,	PUNCT
aijssr-1921	187	13	"	"	PUNCT
aijssr-1921	187	14	each	each	PRON
aijssr-1921	187	15	of	of	ADP
aijssr-1921	187	16	which	which	PRON
aijssr-1921	187	17	is	be	AUX
aijssr-1921	187	18	a	a	DET
aijssr-1921	187	19	unique	unique	ADJ
aijssr-1921	187	20	product	product	NOUN
aijssr-1921	187	21	.	.	PUNCT
aijssr-1921	188	1	credit	credit	NOUN
aijssr-1921	188	2	cards	card	NOUN
aijssr-1921	188	3	that	that	PRON
aijssr-1921	188	4	demand	demand	VERB
aijssr-1921	188	5	the	the	DET
aijssr-1921	188	6	whole	whole	ADJ
aijssr-1921	188	7	balance	balance	NOUN
aijssr-1921	188	8	be	be	AUX
aijssr-1921	188	9	paid	pay	VERB
aijssr-1921	188	10	upon	upon	SCONJ
aijssr-1921	188	11	the	the	DET
aijssr-1921	188	12	expiration	expiration	NOUN
aijssr-1921	188	13	of	of	ADP
aijssr-1921	188	14	the	the	DET
aijssr-1921	188	15	grace	grace	NOUN
aijssr-1921	188	16	period	period	NOUN
aijssr-1921	188	17	once	once	SCONJ
aijssr-1921	188	18	the	the	DET
aijssr-1921	188	19	grace	grace	NOUN
aijssr-1921	188	20	period	period	NOUN
aijssr-1921	188	21	expires	expire	VERB
aijssr-1921	188	22	,	,	PUNCT
aijssr-1921	188	23	the	the	DET
aijssr-1921	188	24	cardholder	cardholder	NOUN
aijssr-1921	188	25	is	be	AUX
aijssr-1921	188	26	fully	fully	ADV
aijssr-1921	188	27	liable	liable	ADJ
aijssr-1921	188	28	for	for	ADP
aijssr-1921	188	29	any	any	DET
aijssr-1921	188	30	charges	charge	NOUN
aijssr-1921	188	31	using	use	VERB
aijssr-1921	188	32	the	the	DET
aijssr-1921	188	33	card	card	NOUN
aijssr-1921	188	34	.	.	PUNCT
aijssr-1921	189	1	that	that	PRON
aijssr-1921	189	2	remains	remain	VERB
aijssr-1921	189	3	true	true	ADJ
aijssr-1921	189	4	even	even	ADV
aijssr-1921	189	5	if	if	SCONJ
aijssr-1921	189	6	the	the	DET
aijssr-1921	189	7	amount	amount	NOUN
aijssr-1921	189	8	was	be	AUX
aijssr-1921	189	9	paid	pay	VERB
aijssr-1921	189	10	in	in	ADP
aijssr-1921	189	11	full	full	ADJ
aijssr-1921	189	12	during	during	ADP
aijssr-1921	189	13	the	the	DET
aijssr-1921	189	14	grace	grace	NOUN
aijssr-1921	189	15	period	period	NOUN
aijssr-1921	189	16	.	.	PUNCT
aijssr-1921	190	1	once	once	SCONJ
aijssr-1921	190	2	the	the	DET
aijssr-1921	190	3	grace	grace	NOUN
aijssr-1921	190	4	period	period	NOUN
aijssr-1921	190	5	has	have	AUX
aijssr-1921	190	6	ended	end	VERB
aijssr-1921	190	7	,	,	PUNCT
aijssr-1921	190	8	the	the	DET
aijssr-1921	190	9	cardholder	cardholder	NOUN
aijssr-1921	190	10	will	will	AUX
aijssr-1921	190	11	no	no	ADV
aijssr-1921	190	12	longer	long	ADV
aijssr-1921	190	13	be	be	AUX
aijssr-1921	190	14	eligible	eligible	ADJ
aijssr-1921	190	15	for	for	ADP
aijssr-1921	190	16	any	any	DET
aijssr-1921	190	17	new	new	ADJ
aijssr-1921	190	18	credit	credit	NOUN
aijssr-1921	190	19	or	or	CCONJ
aijssr-1921	190	20	be	be	AUX
aijssr-1921	190	21	charged	charge	VERB
aijssr-1921	190	22	any	any	DET
aijssr-1921	190	23	late	late	ADJ
aijssr-1921	190	24	penalties	penalty	NOUN
aijssr-1921	190	25	,	,	PUNCT
aijssr-1921	190	26	regardless	regardless	ADV
aijssr-1921	190	27	of	of	ADP
aijssr-1921	190	28	when	when	SCONJ
aijssr-1921	190	29	they	they	PRON
aijssr-1921	190	30	submitted	submit	VERB
aijssr-1921	190	31	their	their	PRON
aijssr-1921	190	32	credit	credit	NOUN
aijssr-1921	190	33	request	request	NOUN
aijssr-1921	190	34	.	.	PUNCT
aijssr-1921	191	1	this	this	DET
aijssr-1921	191	2	sort	sort	NOUN
aijssr-1921	191	3	of	of	ADP
aijssr-1921	191	4	credit	credit	NOUN
aijssr-1921	191	5	card	card	NOUN
aijssr-1921	191	6	can	can	AUX
aijssr-1921	191	7	not	not	PART
aijssr-1921	191	8	be	be	AUX
aijssr-1921	191	9	used	use	VERB
aijssr-1921	191	10	the	the	DET
aijssr-1921	191	11	same	same	ADJ
aijssr-1921	191	12	way	way	NOUN
aijssr-1921	191	13	as	as	ADP
aijssr-1921	191	14	a	a	DET
aijssr-1921	191	15	charge	charge	NOUN
aijssr-1921	191	16	card	card	NOUN
aijssr-1921	191	17	due	due	ADP
aijssr-1921	191	18	to	to	ADP
aijssr-1921	191	19	the	the	DET
aijssr-1921	191	20	restrictions	restriction	NOUN
aijssr-1921	191	21	of	of	ADP
aijssr-1921	191	22	the	the	DET
aijssr-1921	191	23	agreement	agreement	NOUN
aijssr-1921	191	24	that	that	PRON
aijssr-1921	191	25	comes	come	VERB
aijssr-1921	191	26	with	with	ADP
aijssr-1921	191	27	the	the	DET
aijssr-1921	191	28	card	card	NOUN
aijssr-1921	191	29	.	.	PUNCT
aijssr-1921	192	1	additional	additional	ADJ
aijssr-1921	192	2	fees	fee	NOUN
aijssr-1921	192	3	might	might	AUX
aijssr-1921	192	4	be	be	AUX
aijssr-1921	192	5	applied	apply	VERB
aijssr-1921	192	6	to	to	ADP
aijssr-1921	192	7	the	the	DET
aijssr-1921	192	8	type	type	NOUN
aijssr-1921	192	9	of	of	ADP
aijssr-1921	192	10	credit	credit	NOUN
aijssr-1921	192	11	card	card	NOUN
aijssr-1921	192	12	in	in	ADP
aijssr-1921	192	13	question	question	NOUN
aijssr-1921	192	14	.	.	PUNCT
aijssr-1921	193	1	islamic	islamic	ADJ
aijssr-1921	193	2	banks	bank	NOUN
aijssr-1921	193	3	in	in	ADP
aijssr-1921	193	4	qatar	qatar	PROPN
aijssr-1921	193	5	follow	follow	VERB
aijssr-1921	193	6	a	a	DET
aijssr-1921	193	7	nationwide	nationwide	ADJ
aijssr-1921	193	8	approach	approach	NOUN
aijssr-1921	193	9	when	when	SCONJ
aijssr-1921	193	10	issuing	issue	VERB
aijssr-1921	193	11	credit	credit	NOUN
aijssr-1921	193	12	cards	card	NOUN
aijssr-1921	193	13	.	.	PUNCT
aijssr-1921	194	1	this	this	DET
aijssr-1921	194	2	regard	regard	NOUN
aijssr-1921	194	3	is	be	AUX
aijssr-1921	194	4	the	the	DET
aijssr-1921	194	5	same	same	ADJ
aijssr-1921	194	6	between	between	ADP
aijssr-1921	194	7	different	different	ADJ
aijssr-1921	194	8	types	type	NOUN
aijssr-1921	194	9	of	of	ADP
aijssr-1921	194	10	financial	financial	ADJ
aijssr-1921	194	11	institutions	institution	NOUN
aijssr-1921	194	12	.	.	PUNCT
aijssr-1921	195	1	this	this	DET
aijssr-1921	195	2	standard	standard	ADJ
aijssr-1921	195	3	method	method	NOUN
aijssr-1921	195	4	can	can	AUX
aijssr-1921	195	5	be	be	AUX
aijssr-1921	195	6	used	use	VERB
aijssr-1921	195	7	anywhere	anywhere	ADV
aijssr-1921	195	8	you	you	PRON
aijssr-1921	195	9	go	go	VERB
aijssr-1921	195	10	in	in	ADP
aijssr-1921	195	11	the	the	DET
aijssr-1921	195	12	united	united	PROPN
aijssr-1921	195	13	states	states	PROPN
aijssr-1921	195	14	.	.	PUNCT
aijssr-1921	196	1	with	with	ADP
aijssr-1921	196	2	this	this	DET
aijssr-1921	196	3	regulation	regulation	NOUN
aijssr-1921	196	4	in	in	ADP
aijssr-1921	196	5	place	place	NOUN
aijssr-1921	196	6	,	,	PUNCT
aijssr-1921	196	7	islamic	islamic	ADJ
aijssr-1921	196	8	financial	financial	ADJ
aijssr-1921	196	9	institutions	institution	NOUN
aijssr-1921	196	10	must	must	AUX
aijssr-1921	196	11	be	be	AUX
aijssr-1921	196	12	extra	extra	ADV
aijssr-1921	196	13	cautious	cautious	ADJ
aijssr-1921	196	14	when	when	SCONJ
aijssr-1921	196	15	issuing	issue	VERB
aijssr-1921	196	16	credit	credit	NOUN
aijssr-1921	196	17	cards	card	NOUN
aijssr-1921	196	18	.	.	PUNCT
aijssr-1921	197	1	cardholders	cardholder	NOUN
aijssr-1921	197	2	must	must	AUX
aijssr-1921	197	3	demonstrate	demonstrate	VERB
aijssr-1921	197	4	their	their	PRON
aijssr-1921	197	5	ability	ability	NOUN
aijssr-1921	197	6	to	to	PART
aijssr-1921	197	7	repay	repay	VERB
aijssr-1921	197	8	the	the	DET
aijssr-1921	197	9	debt	debt	NOUN
aijssr-1921	197	10	by	by	ADP
aijssr-1921	197	11	either	either	DET
aijssr-1921	197	12	transferring	transfer	VERB
aijssr-1921	197	13	funds	fund	NOUN
aijssr-1921	197	14	from	from	ADP
aijssr-1921	197	15	another	another	DET
aijssr-1921	197	16	account	account	NOUN
aijssr-1921	197	17	or	or	CCONJ
aijssr-1921	197	18	depositing	deposit	VERB
aijssr-1921	197	19	cash	cash	NOUN
aijssr-1921	197	20	.	.	PUNCT
aijssr-1921	198	1	furthermore	furthermore	ADV
aijssr-1921	198	2	,	,	PUNCT
aijssr-1921	198	3	islamic	islamic	ADJ
aijssr-1921	198	4	banks	bank	NOUN
aijssr-1921	198	5	have	have	VERB
aijssr-1921	198	6	stricter	strict	ADJ
aijssr-1921	198	7	regulations	regulation	NOUN
aijssr-1921	198	8	protecting	protect	VERB
aijssr-1921	198	9	their	their	PRON
aijssr-1921	198	10	client	client	NOUN
aijssr-1921	198	11	's	's	PART
aijssr-1921	198	12	personal	personal	ADJ
aijssr-1921	198	13	and	and	CCONJ
aijssr-1921	198	14	financial	financial	ADJ
aijssr-1921	198	15	data	datum	NOUN
aijssr-1921	198	16	.	.	PUNCT
aijssr-1921	199	1	in	in	ADP
aijssr-1921	199	2	addition	addition	NOUN
aijssr-1921	199	3	,	,	PUNCT
aijssr-1921	199	4	islamic	islamic	ADJ
aijssr-1921	199	5	banks	bank	NOUN
aijssr-1921	199	6	will	will	AUX
aijssr-1921	199	7	not	not	PART
aijssr-1921	199	8	extend	extend	VERB
aijssr-1921	199	9	credit	credit	NOUN
aijssr-1921	199	10	to	to	ADP
aijssr-1921	199	11	consumers	consumer	NOUN
aijssr-1921	199	12	with	with	ADP
aijssr-1921	199	13	a	a	DET
aijssr-1921	199	14	history	history	NOUN
aijssr-1921	199	15	of	of	ADP
aijssr-1921	199	16	loan	loan	NOUN
aijssr-1921	199	17	default	default	NOUN
aijssr-1921	199	18	.	.	PUNCT
aijssr-1921	200	1	the	the	DET
aijssr-1921	200	2	deposit	deposit	NOUN
aijssr-1921	200	3	is	be	AUX
aijssr-1921	200	4	used	use	VERB
aijssr-1921	200	5	to	to	PART
aijssr-1921	200	6	back	back	VERB
aijssr-1921	200	7	the	the	DET
aijssr-1921	200	8	credit	credit	NOUN
aijssr-1921	200	9	card	card	NOUN
aijssr-1921	200	10	and	and	CCONJ
aijssr-1921	200	11	the	the	DET
aijssr-1921	200	12	allotted	allotted	ADJ
aijssr-1921	200	13	credit	credit	NOUN
aijssr-1921	200	14	limit	limit	NOUN
aijssr-1921	200	15	,	,	PUNCT
aijssr-1921	200	16	and	and	CCONJ
aijssr-1921	200	17	the	the	DET
aijssr-1921	200	18	unpaid	unpaid	ADJ
aijssr-1921	200	19	debt	debt	NOUN
aijssr-1921	200	20	is	be	AUX
aijssr-1921	200	21	paid	pay	VERB
aijssr-1921	200	22	automatically	automatically	ADV
aijssr-1921	200	23	,	,	PUNCT
aijssr-1921	200	24	generally	generally	ADV
aijssr-1921	200	25	within	within	ADP
aijssr-1921	200	26	fifteen	fifteen	ADJ
aijssr-1921	200	27	days	day	NOUN
aijssr-1921	200	28	following	follow	VERB
aijssr-1921	200	29	the	the	DET
aijssr-1921	200	30	billing	billing	NOUN
aijssr-1921	200	31	date	date	NOUN
aijssr-1921	200	32	,	,	PUNCT
aijssr-1921	200	33	from	from	ADP
aijssr-1921	200	34	the	the	DET
aijssr-1921	200	35	available	available	ADJ
aijssr-1921	200	36	balance	balance	NOUN
aijssr-1921	200	37	on	on	ADP
aijssr-1921	200	38	the	the	DET
aijssr-1921	200	39	holder	holder	NOUN
aijssr-1921	200	40	's	's	PART
aijssr-1921	200	41	account	account	NOUN
aijssr-1921	200	42	.	.	PUNCT
aijssr-1921	201	1	as	as	ADP
aijssr-1921	201	2	a	a	DET
aijssr-1921	201	3	rule	rule	NOUN
aijssr-1921	201	4	,	,	PUNCT
aijssr-1921	201	5	this	this	PRON
aijssr-1921	201	6	happens	happen	VERB
aijssr-1921	201	7	within	within	ADP
aijssr-1921	201	8	15	15	NUM
aijssr-1921	201	9	days	day	NOUN
aijssr-1921	201	10	following	follow	VERB
aijssr-1921	201	11	the	the	DET
aijssr-1921	201	12	billing	billing	NOUN
aijssr-1921	201	13	date	date	NOUN
aijssr-1921	201	14	.	.	PUNCT
aijssr-1921	202	1	usually	usually	ADV
aijssr-1921	202	2	,	,	PUNCT
aijssr-1921	202	3	this	this	PRON
aijssr-1921	202	4	happens	happen	VERB
aijssr-1921	202	5	by	by	ADP
aijssr-1921	202	6	15	15	NUM
aijssr-1921	202	7	days	day	NOUN
aijssr-1921	202	8	after	after	SCONJ
aijssr-1921	202	9	the	the	DET
aijssr-1921	202	10	measure	measure	NOUN
aijssr-1921	202	11	was	be	AUX
aijssr-1921	202	12	initially	initially	ADV
aijssr-1921	202	13	introduced	introduce	VERB
aijssr-1921	202	14	.	.	PUNCT
aijssr-1921	203	1	typically	typically	ADV
aijssr-1921	203	2	,	,	PUNCT
aijssr-1921	203	3	a	a	DET
aijssr-1921	203	4	bill	bill	NOUN
aijssr-1921	203	5	's	's	PART
aijssr-1921	203	6	payment	payment	NOUN
aijssr-1921	203	7	due	due	ADJ
aijssr-1921	203	8	date	date	NOUN
aijssr-1921	203	9	is	be	AUX
aijssr-1921	203	10	no	no	ADV
aijssr-1921	203	11	later	later	ADV
aijssr-1921	203	12	than	than	ADP
aijssr-1921	203	13	15	15	NUM
aijssr-1921	203	14	days	day	NOUN
aijssr-1921	203	15	following	follow	VERB
aijssr-1921	203	16	the	the	DET
aijssr-1921	203	17	bill	bill	NOUN
aijssr-1921	203	18	's	's	PART
aijssr-1921	203	19	issuance	issuance	NOUN
aijssr-1921	203	20	date	date	NOUN
aijssr-1921	203	21	.	.	PUNCT
aijssr-1921	204	1	when	when	SCONJ
aijssr-1921	204	2	it	it	PRON
aijssr-1921	204	3	comes	come	VERB
aijssr-1921	204	4	to	to	ADP
aijssr-1921	204	5	this	this	DET
aijssr-1921	204	6	deadline	deadline	NOUN
aijssr-1921	204	7	,	,	PUNCT
aijssr-1921	204	8	we	we	PRON
aijssr-1921	204	9	are	be	AUX
aijssr-1921	204	10	serious	serious	ADJ
aijssr-1921	204	11	.	.	PUNCT
aijssr-1921	205	1	this	this	PRON
aijssr-1921	205	2	happens	happen	VERB
aijssr-1921	205	3	when	when	SCONJ
aijssr-1921	205	4	the	the	DET
aijssr-1921	205	5	deposit	deposit	NOUN
aijssr-1921	205	6	covers	cover	VERB
aijssr-1921	205	7	the	the	DET
aijssr-1921	205	8	costs	cost	NOUN
aijssr-1921	205	9	of	of	ADP
aijssr-1921	205	10	maintaining	maintain	VERB
aijssr-1921	205	11	the	the	DET
aijssr-1921	205	12	credit	credit	NOUN
aijssr-1921	205	13	card	card	NOUN
aijssr-1921	205	14	and	and	CCONJ
aijssr-1921	205	15	its	its	PRON
aijssr-1921	205	16	associated	associated	ADJ
aijssr-1921	205	17	credit	credit	NOUN
aijssr-1921	205	18	limit	limit	NOUN
aijssr-1921	205	19	.	.	PUNCT
aijssr-1921	206	1	this	this	PRON
aijssr-1921	206	2	is	be	AUX
aijssr-1921	206	3	only	only	ADV
aijssr-1921	206	4	possible	possible	ADJ
aijssr-1921	206	5	once	once	SCONJ
aijssr-1921	206	6	the	the	DET
aijssr-1921	206	7	first	first	ADJ
aijssr-1921	206	8	investment	investment	NOUN
aijssr-1921	206	9	has	have	AUX
aijssr-1921	206	10	been	be	AUX
aijssr-1921	206	11	used	use	VERB
aijssr-1921	206	12	.	.	PUNCT
aijssr-1921	207	1	at	at	ADP
aijssr-1921	207	2	this	this	DET
aijssr-1921	207	3	point	point	NOUN
aijssr-1921	207	4	in	in	ADP
aijssr-1921	207	5	the	the	DET
aijssr-1921	207	6	process	process	NOUN
aijssr-1921	207	7	,	,	PUNCT
aijssr-1921	207	8	the	the	DET
aijssr-1921	207	9	money	money	NOUN
aijssr-1921	207	10	is	be	AUX
aijssr-1921	207	11	being	be	AUX
aijssr-1921	207	12	sent	send	VERB
aijssr-1921	207	13	.	.	PUNCT
aijssr-1921	208	1	since	since	SCONJ
aijssr-1921	208	2	these	these	DET
aijssr-1921	208	3	measures	measure	NOUN
aijssr-1921	208	4	guarantee	guarantee	VERB
aijssr-1921	208	5	that	that	SCONJ
aijssr-1921	208	6	cards	card	NOUN
aijssr-1921	208	7	chowdhury	chowdhury	PROPN
aijssr-1921	208	8	et	et	PROPN
aijssr-1921	208	9	al	al	PROPN
aijssr-1921	208	10	.	.	PROPN
aijssr-1921	208	11	,	,	PUNCT
aijssr-1921	208	12	american	american	PROPN
aijssr-1921	208	13	international	international	PROPN
aijssr-1921	208	14	journal	journal	PROPN
aijssr-1921	208	15	of	of	ADP
aijssr-1921	208	16	social	social	ADJ
aijssr-1921	208	17	science	science	NOUN
aijssr-1921	208	18	research	research	NOUN
aijssr-1921	208	19	14(1	14(1	NUM
aijssr-1921	208	20	)	)	PUNCT
aijssr-1921	208	21	(	(	PUNCT
aijssr-1921	208	22	2023	2023	NUM
aijssr-1921	208	23	)	)	PUNCT
aijssr-1921	208	24	,	,	PUNCT
aijssr-1921	208	25	1	1	NUM
aijssr-1921	208	26	-	-	SYM
aijssr-1921	208	27	8	8	NUM
aijssr-1921	208	28	5	5	NUM
aijssr-1921	208	29	have	have	VERB
aijssr-1921	208	30	sufficient	sufficient	ADJ
aijssr-1921	208	31	payment	payment	NOUN
aijssr-1921	208	32	capacity	capacity	NOUN
aijssr-1921	208	33	and	and	CCONJ
aijssr-1921	208	34	that	that	SCONJ
aijssr-1921	208	35	payments	payment	NOUN
aijssr-1921	208	36	are	be	AUX
aijssr-1921	208	37	made	make	VERB
aijssr-1921	208	38	during	during	ADP
aijssr-1921	208	39	the	the	DET
aijssr-1921	208	40	grace	grace	NOUN
aijssr-1921	208	41	period	period	NOUN
aijssr-1921	208	42	,	,	PUNCT
aijssr-1921	208	43	cardholders	cardholder	NOUN
aijssr-1921	208	44	need	need	AUX
aijssr-1921	208	45	not	not	PART
aijssr-1921	208	46	worry	worry	VERB
aijssr-1921	208	47	about	about	ADP
aijssr-1921	208	48	incurring	incur	VERB
aijssr-1921	208	49	interest	interest	NOUN
aijssr-1921	208	50	charges	charge	NOUN
aijssr-1921	208	51	.	.	PUNCT
aijssr-1921	209	1	these	these	DET
aijssr-1921	209	2	precautions	precaution	NOUN
aijssr-1921	209	3	guarantee	guarantee	VERB
aijssr-1921	209	4	that	that	SCONJ
aijssr-1921	209	5	payment	payment	NOUN
aijssr-1921	209	6	cards	card	NOUN
aijssr-1921	209	7	have	have	VERB
aijssr-1921	209	8	all	all	DET
aijssr-1921	209	9	the	the	DET
aijssr-1921	209	10	necessary	necessary	ADJ
aijssr-1921	209	11	features	feature	NOUN
aijssr-1921	209	12	.	.	PUNCT
aijssr-1921	210	1	globally	globally	ADV
aijssr-1921	210	2	renowned	renowned	ADJ
aijssr-1921	210	3	islamic	islamic	PROPN
aijssr-1921	210	4	scholar	scholar	PROPN
aijssr-1921	210	5	mufti	mufti	PROPN
aijssr-1921	210	6	taqi	taqi	PROPN
aijssr-1921	210	7	usmani	usmani	PROPN
aijssr-1921	210	8	has	have	AUX
aijssr-1921	210	9	stated	state	VERB
aijssr-1921	210	10	that	that	SCONJ
aijssr-1921	210	11	credit	credit	NOUN
aijssr-1921	210	12	cards	card	NOUN
aijssr-1921	210	13	are	be	AUX
aijssr-1921	210	14	now	now	ADV
aijssr-1921	210	15	a	a	DET
aijssr-1921	210	16	requirement	requirement	NOUN
aijssr-1921	210	17	,	,	PUNCT
aijssr-1921	210	18	as	as	SCONJ
aijssr-1921	210	19	they	they	PRON
aijssr-1921	210	20	make	make	VERB
aijssr-1921	210	21	it	it	PRON
aijssr-1921	210	22	next	next	ADJ
aijssr-1921	210	23	to	to	ADP
aijssr-1921	210	24	impossible	impossible	ADJ
aijssr-1921	210	25	to	to	PART
aijssr-1921	210	26	execute	execute	VERB
aijssr-1921	210	27	many	many	ADJ
aijssr-1921	210	28	types	type	NOUN
aijssr-1921	210	29	of	of	ADP
aijssr-1921	210	30	transactions	transaction	NOUN
aijssr-1921	210	31	.	.	PUNCT
aijssr-1921	211	1	this	this	PRON
aijssr-1921	211	2	is	be	AUX
aijssr-1921	211	3	because	because	SCONJ
aijssr-1921	211	4	consumers	consumer	NOUN
aijssr-1921	211	5	may	may	AUX
aijssr-1921	211	6	use	use	VERB
aijssr-1921	211	7	credit	credit	NOUN
aijssr-1921	211	8	cards	card	NOUN
aijssr-1921	211	9	to	to	PART
aijssr-1921	211	10	buy	buy	VERB
aijssr-1921	211	11	goods	good	NOUN
aijssr-1921	211	12	and	and	CCONJ
aijssr-1921	211	13	services	service	NOUN
aijssr-1921	211	14	from	from	ADP
aijssr-1921	211	15	a	a	DET
aijssr-1921	211	16	wide	wide	ADJ
aijssr-1921	211	17	range	range	NOUN
aijssr-1921	211	18	of	of	ADP
aijssr-1921	211	19	stores	store	NOUN
aijssr-1921	211	20	.	.	PUNCT
aijssr-1921	212	1	this	this	PRON
aijssr-1921	212	2	is	be	AUX
aijssr-1921	212	3	because	because	SCONJ
aijssr-1921	212	4	credit	credit	NOUN
aijssr-1921	212	5	cards	card	NOUN
aijssr-1921	212	6	simplify	simplify	VERB
aijssr-1921	212	7	the	the	DET
aijssr-1921	212	8	process	process	NOUN
aijssr-1921	212	9	of	of	ADP
aijssr-1921	212	10	gaining	gain	VERB
aijssr-1921	212	11	access	access	NOUN
aijssr-1921	212	12	to	to	ADP
aijssr-1921	212	13	numerous	numerous	ADJ
aijssr-1921	212	14	forms	form	NOUN
aijssr-1921	212	15	of	of	ADP
aijssr-1921	212	16	financial	financial	ADJ
aijssr-1921	212	17	aid	aid	NOUN
aijssr-1921	212	18	.	.	PUNCT
aijssr-1921	213	1	credit	credit	NOUN
aijssr-1921	213	2	card	card	NOUN
aijssr-1921	213	3	use	use	NOUN
aijssr-1921	213	4	is	be	AUX
aijssr-1921	213	5	thus	thus	ADV
aijssr-1921	213	6	permitted	permit	VERB
aijssr-1921	213	7	,	,	PUNCT
aijssr-1921	213	8	but	but	CCONJ
aijssr-1921	213	9	only	only	ADV
aijssr-1921	213	10	with	with	ADP
aijssr-1921	213	11	the	the	DET
aijssr-1921	213	12	understanding	understanding	NOUN
aijssr-1921	213	13	that	that	SCONJ
aijssr-1921	213	14	interest	interest	NOUN
aijssr-1921	213	15	charges	charge	NOUN
aijssr-1921	213	16	will	will	AUX
aijssr-1921	213	17	be	be	AUX
aijssr-1921	213	18	avoided	avoid	VERB
aijssr-1921	213	19	if	if	SCONJ
aijssr-1921	213	20	payments	payment	NOUN
aijssr-1921	213	21	are	be	AUX
aijssr-1921	213	22	made	make	VERB
aijssr-1921	213	23	before	before	ADP
aijssr-1921	213	24	their	their	PRON
aijssr-1921	213	25	due	due	ADJ
aijssr-1921	213	26	dates	date	NOUN
aijssr-1921	213	27	.	.	PUNCT
aijssr-1921	214	1	by	by	ADP
aijssr-1921	214	2	taking	take	VERB
aijssr-1921	214	3	this	this	DET
aijssr-1921	214	4	measure	measure	NOUN
aijssr-1921	214	5	,	,	PUNCT
aijssr-1921	214	6	we	we	PRON
aijssr-1921	214	7	intend	intend	VERB
aijssr-1921	214	8	to	to	PART
aijssr-1921	214	9	prevent	prevent	VERB
aijssr-1921	214	10	the	the	DET
aijssr-1921	214	11	cardholder	cardholder	NOUN
aijssr-1921	214	12	from	from	ADP
aijssr-1921	214	13	incurring	incur	VERB
aijssr-1921	214	14	any	any	DET
aijssr-1921	214	15	more	more	ADJ
aijssr-1921	214	16	debt	debt	NOUN
aijssr-1921	214	17	.	.	PUNCT
aijssr-1921	215	1	in	in	ADP
aijssr-1921	215	2	line	line	NOUN
aijssr-1921	215	3	with	with	ADP
aijssr-1921	215	4	islamic	islamic	ADJ
aijssr-1921	215	5	law	law	NOUN
aijssr-1921	215	6	,	,	PUNCT
aijssr-1921	215	7	using	use	VERB
aijssr-1921	215	8	a	a	DET
aijssr-1921	215	9	credit	credit	NOUN
aijssr-1921	215	10	card	card	NOUN
aijssr-1921	215	11	is	be	AUX
aijssr-1921	215	12	permissible	permissible	ADJ
aijssr-1921	215	13	if	if	SCONJ
aijssr-1921	215	14	the	the	DET
aijssr-1921	215	15	entire	entire	ADJ
aijssr-1921	215	16	transaction	transaction	NOUN
aijssr-1921	215	17	is	be	AUX
aijssr-1921	215	18	paid	pay	VERB
aijssr-1921	215	19	for	for	ADP
aijssr-1921	215	20	using	use	VERB
aijssr-1921	215	21	the	the	DET
aijssr-1921	215	22	card	card	NOUN
aijssr-1921	215	23	and	and	CCONJ
aijssr-1921	215	24	no	no	DET
aijssr-1921	215	25	cash	cash	NOUN
aijssr-1921	215	26	is	be	AUX
aijssr-1921	215	27	withdrawn	withdraw	VERB
aijssr-1921	215	28	from	from	ADP
aijssr-1921	215	29	the	the	DET
aijssr-1921	215	30	account	account	NOUN
aijssr-1921	215	31	.	.	PUNCT
aijssr-1921	216	1	since	since	SCONJ
aijssr-1921	216	2	every	every	DET
aijssr-1921	216	3	action	action	NOUN
aijssr-1921	216	4	is	be	AUX
aijssr-1921	216	5	motivated	motivate	VERB
aijssr-1921	216	6	by	by	ADP
aijssr-1921	216	7	a	a	DET
aijssr-1921	216	8	purpose	purpose	NOUN
aijssr-1921	216	9	,	,	PUNCT
aijssr-1921	216	10	and	and	CCONJ
aijssr-1921	216	11	since	since	SCONJ
aijssr-1921	216	12	that	that	DET
aijssr-1921	216	13	objective	objective	NOUN
aijssr-1921	216	14	is	be	AUX
aijssr-1921	216	15	always	always	ADV
aijssr-1921	216	16	to	to	PART
aijssr-1921	216	17	restore	restore	VERB
aijssr-1921	216	18	a	a	DET
aijssr-1921	216	19	zero	zero	NUM
aijssr-1921	216	20	balance	balance	NOUN
aijssr-1921	216	21	,	,	PUNCT
aijssr-1921	216	22	this	this	DET
aijssr-1921	216	23	argument	argument	NOUN
aijssr-1921	216	24	carries	carry	VERB
aijssr-1921	216	25	much	much	ADJ
aijssr-1921	216	26	weight	weight	NOUN
aijssr-1921	216	27	.	.	PUNCT
aijssr-1921	217	1	the	the	DET
aijssr-1921	217	2	fact	fact	NOUN
aijssr-1921	217	3	that	that	SCONJ
aijssr-1921	217	4	every	every	DET
aijssr-1921	217	5	action	action	NOUN
aijssr-1921	217	6	is	be	AUX
aijssr-1921	217	7	motivated	motivate	VERB
aijssr-1921	217	8	by	by	ADP
aijssr-1921	217	9	an	an	DET
aijssr-1921	217	10	intention	intention	NOUN
aijssr-1921	217	11	makes	make	VERB
aijssr-1921	217	12	this	this	DET
aijssr-1921	217	13	argument	argument	NOUN
aijssr-1921	217	14	even	even	ADV
aijssr-1921	217	15	more	more	ADV
aijssr-1921	217	16	persuasive	persuasive	ADJ
aijssr-1921	217	17	.	.	PUNCT
aijssr-1921	218	1	a	a	DET
aijssr-1921	218	2	substantial	substantial	ADJ
aijssr-1921	218	3	number	number	NOUN
aijssr-1921	218	4	of	of	ADP
aijssr-1921	218	5	people	people	NOUN
aijssr-1921	218	6	consider	consider	VERB
aijssr-1921	218	7	that	that	SCONJ
aijssr-1921	218	8	a	a	DET
aijssr-1921	218	9	contract	contract	NOUN
aijssr-1921	218	10	of	of	ADP
aijssr-1921	218	11	this	this	DET
aijssr-1921	218	12	sort	sort	NOUN
aijssr-1921	218	13	is	be	AUX
aijssr-1921	218	14	not	not	PART
aijssr-1921	218	15	legitimate	legitimate	ADJ
aijssr-1921	218	16	even	even	ADV
aijssr-1921	218	17	if	if	SCONJ
aijssr-1921	218	18	it	it	PRON
aijssr-1921	218	19	is	be	AUX
aijssr-1921	218	20	feasible	feasible	ADJ
aijssr-1921	218	21	to	to	PART
aijssr-1921	218	22	save	save	VERB
aijssr-1921	218	23	interest	interest	NOUN
aijssr-1921	218	24	by	by	ADP
aijssr-1921	218	25	making	make	VERB
aijssr-1921	218	26	payments	payment	NOUN
aijssr-1921	218	27	on	on	ADP
aijssr-1921	218	28	time	time	NOUN
aijssr-1921	218	29	;	;	PUNCT
aijssr-1921	218	30	therefore	therefore	ADV
aijssr-1921	218	31	,	,	PUNCT
aijssr-1921	218	32	scholars	scholar	NOUN
aijssr-1921	218	33	'	'	PART
aijssr-1921	218	34	position	position	NOUN
aijssr-1921	218	35	has	have	AUX
aijssr-1921	218	36	been	be	AUX
aijssr-1921	218	37	countered	counter	VERB
aijssr-1921	218	38	with	with	ADP
aijssr-1921	218	39	various	various	ADJ
aijssr-1921	218	40	counterarguments	counterargument	NOUN
aijssr-1921	218	41	.	.	PUNCT
aijssr-1921	219	1	in	in	ADP
aijssr-1921	219	2	their	their	PRON
aijssr-1921	219	3	view	view	NOUN
aijssr-1921	219	4	,	,	PUNCT
aijssr-1921	219	5	a	a	DET
aijssr-1921	219	6	person	person	NOUN
aijssr-1921	219	7	who	who	PRON
aijssr-1921	219	8	enters	enter	VERB
aijssr-1921	219	9	into	into	ADP
aijssr-1921	219	10	such	such	DET
aijssr-1921	219	11	a	a	DET
aijssr-1921	219	12	contract	contract	NOUN
aijssr-1921	219	13	is	be	AUX
aijssr-1921	219	14	committing	commit	VERB
aijssr-1921	219	15	to	to	ADP
aijssr-1921	219	16	something	something	PRON
aijssr-1921	219	17	forbidden	forbid	VERB
aijssr-1921	219	18	by	by	ADP
aijssr-1921	219	19	islam	islam	PROPN
aijssr-1921	219	20	regardless	regardless	ADV
aijssr-1921	219	21	of	of	ADP
aijssr-1921	219	22	whether	whether	SCONJ
aijssr-1921	219	23	or	or	CCONJ
aijssr-1921	219	24	not	not	PART
aijssr-1921	219	25	he	he	PRON
aijssr-1921	219	26	pays	pay	VERB
aijssr-1921	219	27	the	the	DET
aijssr-1921	219	28	whole	whole	ADJ
aijssr-1921	219	29	amount	amount	NOUN
aijssr-1921	219	30	due	due	ADJ
aijssr-1921	219	31	on	on	ADP
aijssr-1921	219	32	time	time	NOUN
aijssr-1921	219	33	,	,	PUNCT
aijssr-1921	219	34	including	include	VERB
aijssr-1921	219	35	the	the	DET
aijssr-1921	219	36	interest	interest	NOUN
aijssr-1921	219	37	.	.	PUNCT
aijssr-1921	220	1	for	for	ADP
aijssr-1921	220	2	them	they	PRON
aijssr-1921	220	3	,	,	PUNCT
aijssr-1921	220	4	joining	join	VERB
aijssr-1921	220	5	it	it	PRON
aijssr-1921	220	6	would	would	AUX
aijssr-1921	220	7	constitute	constitute	VERB
aijssr-1921	220	8	a	a	DET
aijssr-1921	220	9	public	public	ADJ
aijssr-1921	220	10	declaration	declaration	NOUN
aijssr-1921	220	11	of	of	ADP
aijssr-1921	220	12	support	support	NOUN
aijssr-1921	220	13	for	for	ADP
aijssr-1921	220	14	an	an	DET
aijssr-1921	220	15	activity	activity	NOUN
aijssr-1921	220	16	forbidden	forbid	VERB
aijssr-1921	220	17	by	by	ADP
aijssr-1921	220	18	islam	islam	PROPN
aijssr-1921	220	19	.	.	PUNCT
aijssr-1921	221	1	this	this	DET
aijssr-1921	221	2	misconception	misconception	NOUN
aijssr-1921	221	3	stems	stem	VERB
aijssr-1921	221	4	from	from	ADP
aijssr-1921	221	5	the	the	DET
aijssr-1921	221	6	widespread	widespread	ADJ
aijssr-1921	221	7	belief	belief	NOUN
aijssr-1921	221	8	that	that	SCONJ
aijssr-1921	221	9	joining	join	VERB
aijssr-1921	221	10	entails	entail	VERB
aijssr-1921	221	11	automatically	automatically	ADV
aijssr-1921	221	12	endorsing	endorse	VERB
aijssr-1921	221	13	all	all	DET
aijssr-1921	221	14	banned	ban	VERB
aijssr-1921	221	15	behaviours	behaviour	NOUN
aijssr-1921	221	16	in	in	ADP
aijssr-1921	221	17	islam	islam	PROPN
aijssr-1921	221	18	.	.	PUNCT
aijssr-1921	222	1	this	this	DET
aijssr-1921	222	2	idea	idea	NOUN
aijssr-1921	222	3	served	serve	VERB
aijssr-1921	222	4	as	as	ADP
aijssr-1921	222	5	the	the	DET
aijssr-1921	222	6	inspiration	inspiration	NOUN
aijssr-1921	222	7	for	for	ADP
aijssr-1921	222	8	this	this	DET
aijssr-1921	222	9	conviction	conviction	NOUN
aijssr-1921	222	10	.	.	PUNCT
aijssr-1921	223	1	this	this	PRON
aijssr-1921	223	2	is	be	AUX
aijssr-1921	223	3	because	because	SCONJ
aijssr-1921	223	4	they	they	PRON
aijssr-1921	223	5	believe	believe	VERB
aijssr-1921	223	6	that	that	SCONJ
aijssr-1921	223	7	by	by	ADP
aijssr-1921	223	8	participating	participate	VERB
aijssr-1921	223	9	,	,	PUNCT
aijssr-1921	223	10	one	one	PRON
aijssr-1921	223	11	is	be	AUX
aijssr-1921	223	12	promising	promise	VERB
aijssr-1921	223	13	to	to	PART
aijssr-1921	223	14	engage	engage	VERB
aijssr-1921	223	15	in	in	ADP
aijssr-1921	223	16	conduct	conduct	NOUN
aijssr-1921	223	17	forbidden	forbid	VERB
aijssr-1921	223	18	by	by	ADP
aijssr-1921	223	19	islam	islam	PROPN
aijssr-1921	223	20	.	.	PUNCT
aijssr-1921	224	1	even	even	ADV
aijssr-1921	224	2	though	though	SCONJ
aijssr-1921	224	3	everyone	everyone	PRON
aijssr-1921	224	4	subscribes	subscribe	VERB
aijssr-1921	224	5	to	to	ADP
aijssr-1921	224	6	this	this	DET
aijssr-1921	224	7	view	view	NOUN
aijssr-1921	224	8	and	and	CCONJ
aijssr-1921	224	9	is	be	AUX
aijssr-1921	224	10	obligated	obligate	VERB
aijssr-1921	224	11	to	to	PART
aijssr-1921	224	12	conduct	conduct	VERB
aijssr-1921	224	13	in	in	ADP
aijssr-1921	224	14	a	a	DET
aijssr-1921	224	15	manner	manner	NOUN
aijssr-1921	224	16	forbidden	forbid	VERB
aijssr-1921	224	17	by	by	ADP
aijssr-1921	224	18	islam	islam	PROPN
aijssr-1921	224	19	's	's	PART
aijssr-1921	224	20	teachings	teaching	NOUN
aijssr-1921	224	21	,	,	PUNCT
aijssr-1921	224	22	a	a	DET
aijssr-1921	224	23	sizable	sizable	ADJ
aijssr-1921	224	24	portion	portion	NOUN
aijssr-1921	224	25	of	of	ADP
aijssr-1921	224	26	modern	modern	ADJ
aijssr-1921	224	27	society	society	NOUN
aijssr-1921	224	28	still	still	ADV
aijssr-1921	224	29	holds	hold	VERB
aijssr-1921	224	30	to	to	ADP
aijssr-1921	224	31	this	this	DET
aijssr-1921	224	32	view	view	NOUN
aijssr-1921	224	33	.	.	PUNCT
aijssr-1921	225	1	wakalah	wakalah	ADJ
aijssr-1921	225	2	-	-	PUNCT
aijssr-1921	225	3	fee	fee	NOUN
aijssr-1921	225	4	-	-	PUNCT
aijssr-1921	225	5	charging	charge	VERB
aijssr-1921	225	6	credit	credit	NOUN
aijssr-1921	225	7	cards	card	NOUN
aijssr-1921	225	8	for	for	ADP
aijssr-1921	225	9	cash	cash	NOUN
aijssr-1921	225	10	withdrawals	withdrawal	NOUN
aijssr-1921	225	11	islamic	islamic	ADJ
aijssr-1921	225	12	banks	bank	NOUN
aijssr-1921	225	13	issuing	issue	VERB
aijssr-1921	225	14	islamic	islamic	ADJ
aijssr-1921	225	15	credit	credit	NOUN
aijssr-1921	225	16	cards	card	NOUN
aijssr-1921	225	17	in	in	ADP
aijssr-1921	225	18	line	line	NOUN
aijssr-1921	225	19	with	with	ADP
aijssr-1921	225	20	the	the	DET
aijssr-1921	225	21	wakalah	wakalah	PROPN
aijssr-1921	225	22	idea	idea	NOUN
aijssr-1921	225	23	are	be	AUX
aijssr-1921	225	24	required	require	VERB
aijssr-1921	225	25	to	to	PART
aijssr-1921	225	26	pay	pay	VERB
aijssr-1921	225	27	for	for	ADP
aijssr-1921	225	28	purchase	purchase	NOUN
aijssr-1921	225	29	transactions	transaction	NOUN
aijssr-1921	225	30	to	to	ADP
aijssr-1921	225	31	merchants	merchant	NOUN
aijssr-1921	225	32	and	and	CCONJ
aijssr-1921	225	33	to	to	PART
aijssr-1921	225	34	charge	charge	VERB
aijssr-1921	225	35	the	the	DET
aijssr-1921	225	36	cardholder	cardholder	NOUN
aijssr-1921	225	37	fees	fee	NOUN
aijssr-1921	225	38	(	(	PUNCT
aijssr-1921	225	39	umrah	umrah	PROPN
aijssr-1921	225	40	)	)	PUNCT
aijssr-1921	225	41	by	by	ADP
aijssr-1921	225	42	the	the	DET
aijssr-1921	225	43	wakalah	wakalah	PROPN
aijssr-1921	225	44	concept	concept	NOUN
aijssr-1921	225	45	.	.	PUNCT
aijssr-1921	226	1	furthermore	furthermore	ADV
aijssr-1921	226	2	,	,	PUNCT
aijssr-1921	226	3	wakalah	wakalah	NOUN
aijssr-1921	226	4	-	-	PUNCT
aijssr-1921	226	5	based	base	VERB
aijssr-1921	226	6	islamic	islamic	ADJ
aijssr-1921	226	7	banks	bank	NOUN
aijssr-1921	226	8	that	that	PRON
aijssr-1921	226	9	provide	provide	VERB
aijssr-1921	226	10	islamic	islamic	ADJ
aijssr-1921	226	11	debit	debit	NOUN
aijssr-1921	226	12	cards	card	NOUN
aijssr-1921	226	13	must	must	AUX
aijssr-1921	226	14	themselves	themselves	PRON
aijssr-1921	226	15	practice	practice	VERB
aijssr-1921	226	16	wakalah	wakalah	ADJ
aijssr-1921	226	17	.	.	PUNCT
aijssr-1921	227	1	based	base	VERB
aijssr-1921	227	2	on	on	ADP
aijssr-1921	227	3	the	the	DET
aijssr-1921	227	4	wakalah	wakalah	PROPN
aijssr-1921	227	5	principle	principle	NOUN
aijssr-1921	227	6	,	,	PUNCT
aijssr-1921	227	7	if	if	SCONJ
aijssr-1921	227	8	an	an	DET
aijssr-1921	227	9	islamic	islamic	ADJ
aijssr-1921	227	10	bank	bank	PROPN
aijssr-1921	227	11	were	be	AUX
aijssr-1921	227	12	to	to	PART
aijssr-1921	227	13	issue	issue	VERB
aijssr-1921	227	14	an	an	DET
aijssr-1921	227	15	islamic	islamic	ADJ
aijssr-1921	227	16	debit	debit	NOUN
aijssr-1921	227	17	card	card	NOUN
aijssr-1921	227	18	,	,	PUNCT
aijssr-1921	227	19	the	the	DET
aijssr-1921	227	20	bank	bank	NOUN
aijssr-1921	227	21	would	would	AUX
aijssr-1921	227	22	not	not	PART
aijssr-1921	227	23	reimburse	reimburse	VERB
aijssr-1921	227	24	the	the	DET
aijssr-1921	227	25	merchant	merchant	NOUN
aijssr-1921	227	26	for	for	ADP
aijssr-1921	227	27	any	any	DET
aijssr-1921	227	28	purchases	purchase	NOUN
aijssr-1921	227	29	made	make	VERB
aijssr-1921	227	30	using	use	VERB
aijssr-1921	227	31	the	the	DET
aijssr-1921	227	32	card	card	NOUN
aijssr-1921	227	33	.	.	PUNCT
aijssr-1921	228	1	customers	customer	NOUN
aijssr-1921	228	2	incur	incur	VERB
aijssr-1921	228	3	an	an	DET
aijssr-1921	228	4	additional	additional	ADJ
aijssr-1921	228	5	fee	fee	NOUN
aijssr-1921	228	6	,	,	PUNCT
aijssr-1921	228	7	known	know	VERB
aijssr-1921	228	8	as	as	ADP
aijssr-1921	228	9	a	a	DET
aijssr-1921	228	10	cash	cash	NOUN
aijssr-1921	228	11	withdrawal	withdrawal	NOUN
aijssr-1921	228	12	charge	charge	NOUN
aijssr-1921	228	13	,	,	PUNCT
aijssr-1921	228	14	whenever	whenever	SCONJ
aijssr-1921	228	15	they	they	PRON
aijssr-1921	228	16	use	use	VERB
aijssr-1921	228	17	their	their	PRON
aijssr-1921	228	18	card	card	NOUN
aijssr-1921	228	19	's	's	PART
aijssr-1921	228	20	cash	cash	NOUN
aijssr-1921	228	21	withdrawal	withdrawal	NOUN
aijssr-1921	228	22	feature	feature	NOUN
aijssr-1921	228	23	.	.	PUNCT
aijssr-1921	229	1	any	any	DET
aijssr-1921	229	2	time	time	NOUN
aijssr-1921	229	3	a	a	DET
aijssr-1921	229	4	card	card	NOUN
aijssr-1921	229	5	user	user	NOUN
aijssr-1921	229	6	makes	make	VERB
aijssr-1921	229	7	a	a	DET
aijssr-1921	229	8	cash	cash	NOUN
aijssr-1921	229	9	withdrawal	withdrawal	NOUN
aijssr-1921	229	10	,	,	PUNCT
aijssr-1921	229	11	they	they	PRON
aijssr-1921	229	12	will	will	AUX
aijssr-1921	229	13	be	be	AUX
aijssr-1921	229	14	subject	subject	ADJ
aijssr-1921	229	15	to	to	ADP
aijssr-1921	229	16	this	this	DET
aijssr-1921	229	17	fee	fee	NOUN
aijssr-1921	229	18	.	.	PUNCT
aijssr-1921	230	1	the	the	DET
aijssr-1921	230	2	calculations	calculation	NOUN
aijssr-1921	230	3	behind	behind	ADP
aijssr-1921	230	4	these	these	DET
aijssr-1921	230	5	prices	price	NOUN
aijssr-1921	230	6	may	may	AUX
aijssr-1921	230	7	be	be	AUX
aijssr-1921	230	8	trusted	trust	VERB
aijssr-1921	230	9	.	.	PUNCT
aijssr-1921	231	1	the	the	DET
aijssr-1921	231	2	fees	fee	NOUN
aijssr-1921	231	3	imposed	impose	VERB
aijssr-1921	231	4	by	by	ADP
aijssr-1921	231	5	the	the	DET
aijssr-1921	231	6	organization	organization	NOUN
aijssr-1921	231	7	might	might	AUX
aijssr-1921	231	8	be	be	AUX
aijssr-1921	231	9	stated	state	VERB
aijssr-1921	231	10	either	either	CCONJ
aijssr-1921	231	11	as	as	ADP
aijssr-1921	231	12	a	a	DET
aijssr-1921	231	13	flat	flat	ADJ
aijssr-1921	231	14	rate	rate	NOUN
aijssr-1921	231	15	per	per	ADP
aijssr-1921	231	16	transaction	transaction	NOUN
aijssr-1921	231	17	or	or	CCONJ
aijssr-1921	231	18	as	as	ADP
aijssr-1921	231	19	a	a	DET
aijssr-1921	231	20	percentage	percentage	NOUN
aijssr-1921	231	21	of	of	ADP
aijssr-1921	231	22	the	the	DET
aijssr-1921	231	23	value	value	NOUN
aijssr-1921	231	24	of	of	ADP
aijssr-1921	231	25	each	each	DET
aijssr-1921	231	26	transaction	transaction	NOUN
aijssr-1921	231	27	.	.	PUNCT
aijssr-1921	232	1	clients	client	NOUN
aijssr-1921	232	2	can	can	AUX
aijssr-1921	232	3	select	select	VERB
aijssr-1921	232	4	whichever	whichever	DET
aijssr-1921	232	5	option	option	NOUN
aijssr-1921	232	6	interests	interest	VERB
aijssr-1921	232	7	them	they	PRON
aijssr-1921	232	8	.	.	PUNCT
aijssr-1921	233	1	no	no	DET
aijssr-1921	233	2	interest	interest	NOUN
aijssr-1921	233	3	or	or	CCONJ
aijssr-1921	233	4	other	other	ADJ
aijssr-1921	233	5	fees	fee	NOUN
aijssr-1921	233	6	are	be	AUX
aijssr-1921	233	7	charged	charge	VERB
aijssr-1921	233	8	for	for	ADP
aijssr-1921	233	9	using	use	VERB
aijssr-1921	233	10	the	the	DET
aijssr-1921	233	11	card	card	NOUN
aijssr-1921	233	12	,	,	PUNCT
aijssr-1921	233	13	but	but	CCONJ
aijssr-1921	233	14	the	the	DET
aijssr-1921	233	15	cardholder	cardholder	NOUN
aijssr-1921	233	16	may	may	AUX
aijssr-1921	233	17	be	be	AUX
aijssr-1921	233	18	subject	subject	ADJ
aijssr-1921	233	19	to	to	ADP
aijssr-1921	233	20	paying	pay	VERB
aijssr-1921	233	21	other	other	ADJ
aijssr-1921	233	22	expenses	expense	NOUN
aijssr-1921	233	23	related	relate	VERB
aijssr-1921	233	24	to	to	ADP
aijssr-1921	233	25	maintaining	maintain	VERB
aijssr-1921	233	26	card	card	NOUN
aijssr-1921	233	27	membership	membership	NOUN
aijssr-1921	233	28	and	and	CCONJ
aijssr-1921	233	29	making	make	VERB
aijssr-1921	233	30	purchases	purchase	NOUN
aijssr-1921	233	31	.	.	PUNCT
aijssr-1921	234	1	however	however	ADV
aijssr-1921	234	2	,	,	PUNCT
aijssr-1921	234	3	there	there	PRON
aijssr-1921	234	4	are	be	VERB
aijssr-1921	234	5	still	still	ADV
aijssr-1921	234	6	costs	cost	NOUN
aijssr-1921	234	7	connected	connect	VERB
aijssr-1921	234	8	with	with	ADP
aijssr-1921	234	9	using	use	VERB
aijssr-1921	234	10	the	the	DET
aijssr-1921	234	11	card	card	NOUN
aijssr-1921	234	12	,	,	PUNCT
aijssr-1921	234	13	such	such	ADJ
aijssr-1921	234	14	as	as	ADP
aijssr-1921	234	15	interest	interest	NOUN
aijssr-1921	234	16	and	and	CCONJ
aijssr-1921	234	17	other	other	ADJ
aijssr-1921	234	18	fees	fee	NOUN
aijssr-1921	234	19	.	.	PUNCT
aijssr-1921	235	1	despite	despite	SCONJ
aijssr-1921	235	2	the	the	DET
aijssr-1921	235	3	absence	absence	NOUN
aijssr-1921	235	4	of	of	ADP
aijssr-1921	235	5	interest	interest	NOUN
aijssr-1921	235	6	or	or	CCONJ
aijssr-1921	235	7	other	other	ADJ
aijssr-1921	235	8	fees	fee	NOUN
aijssr-1921	235	9	from	from	ADP
aijssr-1921	235	10	the	the	DET
aijssr-1921	235	11	card	card	NOUN
aijssr-1921	235	12	,	,	PUNCT
aijssr-1921	235	13	there	there	PRON
aijssr-1921	235	14	are	be	VERB
aijssr-1921	235	15	still	still	ADV
aijssr-1921	235	16	costs	cost	NOUN
aijssr-1921	235	17	associated	associate	VERB
aijssr-1921	235	18	with	with	ADP
aijssr-1921	235	19	using	use	VERB
aijssr-1921	235	20	it	it	PRON
aijssr-1921	235	21	.	.	PUNCT
aijssr-1921	236	1	these	these	DET
aijssr-1921	236	2	fees	fee	NOUN
aijssr-1921	236	3	may	may	AUX
aijssr-1921	236	4	comprise	comprise	VERB
aijssr-1921	236	5	any	any	DET
aijssr-1921	236	6	combination	combination	NOUN
aijssr-1921	236	7	of	of	ADP
aijssr-1921	236	8	the	the	DET
aijssr-1921	236	9	following	following	NOUN
aijssr-1921	236	10	:	:	PUNCT
aijssr-1921	236	11	an	an	DET
aijssr-1921	236	12	issuance	issuance	NOUN
aijssr-1921	236	13	charge	charge	NOUN
aijssr-1921	236	14	,	,	PUNCT
aijssr-1921	236	15	a	a	DET
aijssr-1921	236	16	yearly	yearly	ADJ
aijssr-1921	236	17	service	service	NOUN
aijssr-1921	236	18	fee	fee	NOUN
aijssr-1921	236	19	,	,	PUNCT
aijssr-1921	236	20	a	a	DET
aijssr-1921	236	21	renewal	renewal	NOUN
aijssr-1921	236	22	fee	fee	NOUN
aijssr-1921	236	23	,	,	PUNCT
aijssr-1921	236	24	the	the	DET
aijssr-1921	236	25	cost	cost	NOUN
aijssr-1921	236	26	of	of	ADP
aijssr-1921	236	27	a	a	DET
aijssr-1921	236	28	replacement	replacement	NOUN
aijssr-1921	236	29	card	card	NOUN
aijssr-1921	236	30	,	,	PUNCT
aijssr-1921	236	31	and	and	CCONJ
aijssr-1921	236	32	a	a	DET
aijssr-1921	236	33	currency	currency	NOUN
aijssr-1921	236	34	conversion	conversion	NOUN
aijssr-1921	236	35	fee	fee	NOUN
aijssr-1921	236	36	.	.	PUNCT
aijssr-1921	237	1	for	for	ADP
aijssr-1921	237	2	instance	instance	NOUN
aijssr-1921	237	3	,	,	PUNCT
aijssr-1921	237	4	jordan	jordan	PROPN
aijssr-1921	237	5	islamic	islamic	PROPN
aijssr-1921	237	6	bank	bank	PROPN
aijssr-1921	237	7	users	user	NOUN
aijssr-1921	237	8	with	with	ADP
aijssr-1921	237	9	credit	credit	NOUN
aijssr-1921	237	10	cards	card	NOUN
aijssr-1921	237	11	issued	issue	VERB
aijssr-1921	237	12	by	by	ADP
aijssr-1921	237	13	the	the	DET
aijssr-1921	237	14	bank	bank	NOUN
aijssr-1921	237	15	are	be	AUX
aijssr-1921	237	16	not	not	PART
aijssr-1921	237	17	allowed	allow	VERB
aijssr-1921	237	18	to	to	PART
aijssr-1921	237	19	use	use	VERB
aijssr-1921	237	20	those	those	DET
aijssr-1921	237	21	cards	card	NOUN
aijssr-1921	237	22	to	to	PART
aijssr-1921	237	23	withdraw	withdraw	VERB
aijssr-1921	237	24	cash	cash	NOUN
aijssr-1921	237	25	from	from	ADP
aijssr-1921	237	26	the	the	DET
aijssr-1921	237	27	bank	bank	NOUN
aijssr-1921	237	28	's	's	PART
aijssr-1921	237	29	atms	atms	NOUN
aijssr-1921	237	30	.	.	PUNCT
aijssr-1921	238	1	however	however	ADV
aijssr-1921	238	2	,	,	PUNCT
aijssr-1921	238	3	this	this	DET
aijssr-1921	238	4	restriction	restriction	NOUN
aijssr-1921	238	5	must	must	AUX
aijssr-1921	238	6	be	be	AUX
aijssr-1921	238	7	implemented	implement	VERB
aijssr-1921	238	8	when	when	SCONJ
aijssr-1921	238	9	jordan	jordan	PROPN
aijssr-1921	238	10	islamic	islamic	PROPN
aijssr-1921	238	11	bank	bank	PROPN
aijssr-1921	238	12	customers	customer	NOUN
aijssr-1921	238	13	use	use	VERB
aijssr-1921	238	14	atms	atms	NOUN
aijssr-1921	238	15	belonging	belong	VERB
aijssr-1921	238	16	to	to	ADP
aijssr-1921	238	17	other	other	ADJ
aijssr-1921	238	18	banking	banking	NOUN
aijssr-1921	238	19	organizations	organization	NOUN
aijssr-1921	238	20	.	.	PUNCT
aijssr-1921	239	1	thus	thus	ADV
aijssr-1921	239	2	,	,	PUNCT
aijssr-1921	239	3	the	the	DET
aijssr-1921	239	4	bank	bank	NOUN
aijssr-1921	239	5	might	might	AUX
aijssr-1921	239	6	claim	claim	VERB
aijssr-1921	239	7	that	that	SCONJ
aijssr-1921	239	8	the	the	DET
aijssr-1921	239	9	customer	customer	NOUN
aijssr-1921	239	10	has	have	AUX
aijssr-1921	239	11	agreed	agree	VERB
aijssr-1921	239	12	to	to	PART
aijssr-1921	239	13	pay	pay	VERB
aijssr-1921	239	14	the	the	DET
aijssr-1921	239	15	amount	amount	NOUN
aijssr-1921	239	16	owing	owe	VERB
aijssr-1921	239	17	to	to	ADP
aijssr-1921	239	18	the	the	DET
aijssr-1921	239	19	other	other	ADJ
aijssr-1921	239	20	financial	financial	ADJ
aijssr-1921	239	21	institutions	institution	NOUN
aijssr-1921	239	22	from	from	ADP
aijssr-1921	239	23	which	which	PRON
aijssr-1921	239	24	funds	fund	NOUN
aijssr-1921	239	25	were	be	AUX
aijssr-1921	239	26	withdrawn	withdraw	VERB
aijssr-1921	239	27	by	by	ADP
aijssr-1921	239	28	using	use	VERB
aijssr-1921	239	29	the	the	DET
aijssr-1921	239	30	card	card	NOUN
aijssr-1921	239	31	.	.	PUNCT
aijssr-1921	240	1	the	the	DET
aijssr-1921	240	2	bank	bank	NOUN
aijssr-1921	240	3	might	might	AUX
aijssr-1921	240	4	claim	claim	VERB
aijssr-1921	240	5	that	that	SCONJ
aijssr-1921	240	6	the	the	DET
aijssr-1921	240	7	card	card	NOUN
aijssr-1921	240	8	's	's	PART
aijssr-1921	240	9	use	use	NOUN
aijssr-1921	240	10	amounts	amount	NOUN
aijssr-1921	240	11	to	to	ADP
aijssr-1921	240	12	an	an	DET
aijssr-1921	240	13	agreement	agreement	NOUN
aijssr-1921	240	14	.	.	PUNCT
aijssr-1921	241	1	the	the	DET
aijssr-1921	241	2	bank	bank	NOUN
aijssr-1921	241	3	can	can	AUX
aijssr-1921	241	4	now	now	ADV
aijssr-1921	241	5	levy	levy	VERB
aijssr-1921	241	6	wakalah	wakalah	ADJ
aijssr-1921	241	7	fees	fee	NOUN
aijssr-1921	241	8	to	to	ADP
aijssr-1921	241	9	clients	client	NOUN
aijssr-1921	241	10	who	who	PRON
aijssr-1921	241	11	withdraw	withdraw	VERB
aijssr-1921	241	12	cash	cash	NOUN
aijssr-1921	241	13	.	.	PUNCT
aijssr-1921	242	1	the	the	DET
aijssr-1921	242	2	feasibility	feasibility	NOUN
aijssr-1921	242	3	of	of	ADP
aijssr-1921	242	4	issuing	issue	VERB
aijssr-1921	242	5	islamic	islamic	ADJ
aijssr-1921	242	6	credit	credit	NOUN
aijssr-1921	242	7	cards	card	NOUN
aijssr-1921	242	8	within	within	ADP
aijssr-1921	242	9	a	a	DET
aijssr-1921	242	10	framework	framework	NOUN
aijssr-1921	242	11	of	of	ADP
aijssr-1921	242	12	kafala	kafala	NOUN
aijssr-1921	242	13	and	and	CCONJ
aijssr-1921	242	14	wakalah	wakalah	PROPN
aijssr-1921	242	15	has	have	AUX
aijssr-1921	242	16	been	be	AUX
aijssr-1921	242	17	debated	debate	VERB
aijssr-1921	242	18	since	since	SCONJ
aijssr-1921	242	19	the	the	DET
aijssr-1921	242	20	central	central	ADJ
aijssr-1921	242	21	bank	bank	PROPN
aijssr-1921	242	22	of	of	ADP
aijssr-1921	242	23	malaysia	malaysia	PROPN
aijssr-1921	242	24	issued	issue	VERB
aijssr-1921	242	25	a	a	DET
aijssr-1921	242	26	fatwa	fatwa	PROPN
aijssr-1921	242	27	on	on	ADP
aijssr-1921	242	28	the	the	DET
aijssr-1921	242	29	subject	subject	NOUN
aijssr-1921	242	30	(	(	PUNCT
aijssr-1921	242	31	cbm	cbm	PROPN
aijssr-1921	242	32	)	)	PUNCT
aijssr-1921	242	33	.	.	PUNCT
aijssr-1921	243	1	the	the	DET
aijssr-1921	243	2	cb	cb	PROPN
aijssr-1921	243	3	m	m	PROPN
aijssr-1921	243	4	's	's	PART
aijssr-1921	243	5	fatwa	fatwa	NOUN
aijssr-1921	243	6	confirms	confirm	VERB
aijssr-1921	243	7	this	this	DET
aijssr-1921	243	8	interpretation	interpretation	NOUN
aijssr-1921	243	9	.	.	PUNCT
aijssr-1921	244	1	under	under	ADP
aijssr-1921	244	2	the	the	DET
aijssr-1921	244	3	provisions	provision	NOUN
aijssr-1921	244	4	of	of	ADP
aijssr-1921	244	5	this	this	DET
aijssr-1921	244	6	form	form	NOUN
aijssr-1921	244	7	of	of	ADP
aijssr-1921	244	8	islamic	islamic	ADJ
aijssr-1921	244	9	credit	credit	NOUN
aijssr-1921	244	10	card	card	NOUN
aijssr-1921	244	11	,	,	PUNCT
aijssr-1921	244	12	the	the	DET
aijssr-1921	244	13	islamic	islamic	PROPN
aijssr-1921	244	14	bank	bank	PROPN
aijssr-1921	244	15	acts	act	VERB
aijssr-1921	244	16	as	as	ADP
aijssr-1921	244	17	a	a	DET
aijssr-1921	244	18	kafl	kafl	NOUN
aijssr-1921	244	19	(	(	PUNCT
aijssr-1921	244	20	guarantor	guarantor	NOUN
aijssr-1921	244	21	)	)	PUNCT
aijssr-1921	244	22	for	for	ADP
aijssr-1921	244	23	the	the	DET
aijssr-1921	244	24	purchasing	purchase	VERB
aijssr-1921	244	25	transactions	transaction	NOUN
aijssr-1921	244	26	of	of	ADP
aijssr-1921	244	27	its	its	PRON
aijssr-1921	244	28	cardholders	cardholder	NOUN
aijssr-1921	244	29	,	,	PUNCT
aijssr-1921	244	30	both	both	CCONJ
aijssr-1921	244	31	in	in	ADP
aijssr-1921	244	32	terms	term	NOUN
aijssr-1921	244	33	of	of	ADP
aijssr-1921	244	34	payment	payment	NOUN
aijssr-1921	244	35	to	to	ADP
aijssr-1921	244	36	credit	credit	NOUN
aijssr-1921	244	37	card	card	NOUN
aijssr-1921	244	38	networks	network	NOUN
aijssr-1921	244	39	and	and	CCONJ
aijssr-1921	244	40	payment	payment	NOUN
aijssr-1921	244	41	for	for	ADP
aijssr-1921	244	42	goods	good	NOUN
aijssr-1921	244	43	or	or	CCONJ
aijssr-1921	244	44	services	service	NOUN
aijssr-1921	244	45	acquired	acquire	VERB
aijssr-1921	244	46	by	by	ADP
aijssr-1921	244	47	the	the	DET
aijssr-1921	244	48	cardholder	cardholder	NOUN
aijssr-1921	244	49	from	from	ADP
aijssr-1921	244	50	the	the	DET
aijssr-1921	244	51	merchant	merchant	NOUN
aijssr-1921	244	52	.	.	PUNCT
aijssr-1921	245	1	if	if	SCONJ
aijssr-1921	245	2	a	a	DET
aijssr-1921	245	3	cardholder	cardholder	NOUN
aijssr-1921	245	4	incurs	incur	VERB
aijssr-1921	245	5	debt	debt	NOUN
aijssr-1921	245	6	,	,	PUNCT
aijssr-1921	245	7	the	the	DET
aijssr-1921	245	8	islamic	islamic	PROPN
aijssr-1921	245	9	bank	bank	PROPN
aijssr-1921	245	10	will	will	AUX
aijssr-1921	245	11	foot	foot	VERB
aijssr-1921	245	12	the	the	DET
aijssr-1921	245	13	bill	bill	NOUN
aijssr-1921	245	14	.	.	PUNCT
aijssr-1921	246	1	this	this	PRON
aijssr-1921	246	2	means	mean	VERB
aijssr-1921	246	3	the	the	DET
aijssr-1921	246	4	islamic	islamic	PROPN
aijssr-1921	246	5	bank	bank	PROPN
aijssr-1921	246	6	is	be	AUX
aijssr-1921	246	7	responsible	responsible	ADJ
aijssr-1921	246	8	for	for	ADP
aijssr-1921	246	9	covering	cover	VERB
aijssr-1921	246	10	any	any	DET
aijssr-1921	246	11	charges	charge	NOUN
aijssr-1921	246	12	from	from	ADP
aijssr-1921	246	13	using	use	VERB
aijssr-1921	246	14	the	the	DET
aijssr-1921	246	15	card	card	NOUN
aijssr-1921	246	16	.	.	PUNCT
aijssr-1921	247	1	to	to	PART
aijssr-1921	247	2	rephrase	rephrase	VERB
aijssr-1921	247	3	,	,	PUNCT
aijssr-1921	247	4	all	all	DET
aijssr-1921	247	5	purchases	purchase	NOUN
aijssr-1921	247	6	made	make	VERB
aijssr-1921	247	7	with	with	ADP
aijssr-1921	247	8	a	a	DET
aijssr-1921	247	9	customer	customer	NOUN
aijssr-1921	247	10	's	's	PART
aijssr-1921	247	11	islamic	islamic	PROPN
aijssr-1921	247	12	bank	bank	PROPN
aijssr-1921	247	13	card	card	NOUN
aijssr-1921	247	14	are	be	AUX
aijssr-1921	247	15	backed	back	VERB
aijssr-1921	247	16	by	by	ADP
aijssr-1921	247	17	the	the	DET
aijssr-1921	247	18	bank	bank	NOUN
aijssr-1921	247	19	's	's	PART
aijssr-1921	247	20	payment	payment	NOUN
aijssr-1921	247	21	guarantee	guarantee	NOUN
aijssr-1921	247	22	,	,	PUNCT
aijssr-1921	247	23	no	no	ADV
aijssr-1921	247	24	matter	matter	ADV
aijssr-1921	247	25	how	how	SCONJ
aijssr-1921	247	26	unusual	unusual	ADJ
aijssr-1921	247	27	the	the	DET
aijssr-1921	247	28	purchase	purchase	NOUN
aijssr-1921	247	29	may	may	AUX
aijssr-1921	247	30	be	be	AUX
aijssr-1921	247	31	.	.	PUNCT
aijssr-1921	248	1	the	the	DET
aijssr-1921	248	2	islamic	islamic	PROPN
aijssr-1921	248	3	bank	bank	PROPN
aijssr-1921	248	4	must	must	AUX
aijssr-1921	248	5	cover	cover	VERB
aijssr-1921	248	6	the	the	DET
aijssr-1921	248	7	cost	cost	NOUN
aijssr-1921	248	8	of	of	ADP
aijssr-1921	248	9	every	every	DET
aijssr-1921	248	10	transaction	transaction	NOUN
aijssr-1921	248	11	,	,	PUNCT
aijssr-1921	248	12	including	include	VERB
aijssr-1921	248	13	a	a	DET
aijssr-1921	248	14	purchase	purchase	NOUN
aijssr-1921	248	15	,	,	PUNCT
aijssr-1921	248	16	using	use	VERB
aijssr-1921	248	17	the	the	DET
aijssr-1921	248	18	card	card	NOUN
aijssr-1921	248	19	.	.	PUNCT
aijssr-1921	249	1	the	the	DET
aijssr-1921	249	2	credit	credit	NOUN
aijssr-1921	249	3	limit	limit	NOUN
aijssr-1921	249	4	for	for	ADP
aijssr-1921	249	5	the	the	DET
aijssr-1921	249	6	cardholder	cardholder	NOUN
aijssr-1921	249	7	's	's	PART
aijssr-1921	249	8	account	account	NOUN
aijssr-1921	249	9	comes	come	VERB
aijssr-1921	249	10	from	from	ADP
aijssr-1921	249	11	the	the	DET
aijssr-1921	249	12	islamic	islamic	PROPN
aijssr-1921	249	13	bank	bank	PROPN
aijssr-1921	249	14	,	,	PUNCT
aijssr-1921	249	15	which	which	PRON
aijssr-1921	249	16	is	be	AUX
aijssr-1921	249	17	also	also	ADV
aijssr-1921	249	18	responsible	responsible	ADJ
aijssr-1921	249	19	for	for	ADP
aijssr-1921	249	20	delivering	deliver	VERB
aijssr-1921	249	21	that	that	DET
aijssr-1921	249	22	amount	amount	NOUN
aijssr-1921	249	23	.	.	PUNCT
aijssr-1921	250	1	based	base	VERB
aijssr-1921	250	2	on	on	ADP
aijssr-1921	250	3	the	the	DET
aijssr-1921	250	4	wakalah	wakalah	PROPN
aijssr-1921	250	5	principle	principle	NOUN
aijssr-1921	250	6	,	,	PUNCT
aijssr-1921	250	7	the	the	DET
aijssr-1921	250	8	islamic	islamic	PROPN
aijssr-1921	250	9	bank	bank	PROPN
aijssr-1921	250	10	would	would	AUX
aijssr-1921	250	11	charge	charge	VERB
aijssr-1921	250	12	the	the	DET
aijssr-1921	250	13	cardholder	cardholder	NOUN
aijssr-1921	250	14	ujrah	ujrah	NOUN
aijssr-1921	250	15	(	(	PUNCT
aijssr-1921	250	16	fees	fee	NOUN
aijssr-1921	250	17	)	)	PUNCT
aijssr-1921	250	18	equal	equal	ADJ
aijssr-1921	250	19	to	to	ADP
aijssr-1921	250	20	a	a	DET
aijssr-1921	250	21	predetermined	predetermine	VERB
aijssr-1921	250	22	proportion	proportion	NOUN
aijssr-1921	250	23	of	of	ADP
aijssr-1921	250	24	the	the	DET
aijssr-1921	250	25	credit	credit	NOUN
aijssr-1921	250	26	line	line	NOUN
aijssr-1921	250	27	in	in	ADP
aijssr-1921	250	28	exchange	exchange	NOUN
aijssr-1921	250	29	for	for	ADP
aijssr-1921	250	30	acting	act	VERB
aijssr-1921	250	31	as	as	ADP
aijssr-1921	250	32	an	an	DET
aijssr-1921	250	33	intermediary	intermediary	NOUN
aijssr-1921	250	34	in	in	ADP
aijssr-1921	250	35	the	the	DET
aijssr-1921	250	36	cardholder	cardholder	NOUN
aijssr-1921	250	37	's	's	PART
aijssr-1921	250	38	payment	payment	NOUN
aijssr-1921	250	39	transactions	transaction	NOUN
aijssr-1921	250	40	.	.	PUNCT
aijssr-1921	251	1	that	that	PRON
aijssr-1921	251	2	would	would	AUX
aijssr-1921	251	3	happen	happen	VERB
aijssr-1921	251	4	since	since	SCONJ
aijssr-1921	251	5	the	the	DET
aijssr-1921	251	6	bank	bank	NOUN
aijssr-1921	251	7	offers	offer	VERB
aijssr-1921	251	8	agency	agency	NOUN
aijssr-1921	251	9	services	service	NOUN
aijssr-1921	251	10	to	to	PART
aijssr-1921	251	11	settle	settle	VERB
aijssr-1921	251	12	the	the	DET
aijssr-1921	251	13	cardholder	cardholder	NOUN
aijssr-1921	251	14	's	's	PART
aijssr-1921	251	15	payment	payment	NOUN
aijssr-1921	251	16	obligations	obligation	NOUN
aijssr-1921	251	17	.	.	PUNCT
aijssr-1921	252	1	these	these	DET
aijssr-1921	252	2	fees	fee	NOUN
aijssr-1921	252	3	would	would	AUX
aijssr-1921	252	4	be	be	AUX
aijssr-1921	252	5	included	include	VERB
aijssr-1921	252	6	in	in	ADP
aijssr-1921	252	7	the	the	DET
aijssr-1921	252	8	overall	overall	ADJ
aijssr-1921	252	9	cost	cost	NOUN
aijssr-1921	252	10	of	of	ADP
aijssr-1921	252	11	the	the	DET
aijssr-1921	252	12	transaction	transaction	NOUN
aijssr-1921	252	13	based	base	VERB
aijssr-1921	252	14	on	on	ADP
aijssr-1921	252	15	a	a	DET
aijssr-1921	252	16	predetermined	predetermine	VERB
aijssr-1921	252	17	proportion	proportion	NOUN
aijssr-1921	252	18	of	of	ADP
aijssr-1921	252	19	the	the	DET
aijssr-1921	252	20	available	available	ADJ
aijssr-1921	252	21	credit	credit	NOUN
aijssr-1921	252	22	.	.	PUNCT
aijssr-1921	253	1	this	this	DET
aijssr-1921	253	2	debt	debt	NOUN
aijssr-1921	253	3	would	would	AUX
aijssr-1921	253	4	be	be	AUX
aijssr-1921	253	5	called	call	VERB
aijssr-1921	253	6	"	"	PUNCT
aijssr-1921	253	7	wakalah	wakalah	PROPN
aijssr-1921	253	8	ujrah	ujrah	NOUN
aijssr-1921	253	9	"	"	PUNCT
aijssr-1921	253	10	if	if	SCONJ
aijssr-1921	253	11	it	it	PRON
aijssr-1921	253	12	were	be	AUX
aijssr-1921	253	13	ever	ever	ADV
aijssr-1921	253	14	collected	collect	VERB
aijssr-1921	253	15	.	.	PUNCT
aijssr-1921	254	1	once	once	SCONJ
aijssr-1921	254	2	that	that	DET
aijssr-1921	254	3	period	period	NOUN
aijssr-1921	254	4	had	have	AUX
aijssr-1921	254	5	passed	pass	VERB
aijssr-1921	254	6	,	,	PUNCT
aijssr-1921	254	7	the	the	DET
aijssr-1921	254	8	kafl	kafl	NOUN
aijssr-1921	254	9	might	might	AUX
aijssr-1921	254	10	demand	demand	VERB
aijssr-1921	254	11	the	the	DET
aijssr-1921	254	12	ujrah	ujrah	PROPN
aijssr-1921	254	13	fees	fee	NOUN
aijssr-1921	254	14	in	in	ADP
aijssr-1921	254	15	addition	addition	NOUN
aijssr-1921	254	16	to	to	ADP
aijssr-1921	254	17	the	the	DET
aijssr-1921	254	18	returned	return	VERB
aijssr-1921	254	19	principal	principal	NOUN
aijssr-1921	254	20	(	(	PUNCT
aijssr-1921	254	21	determined	determine	VERB
aijssr-1921	254	22	as	as	ADP
aijssr-1921	254	23	a	a	DET
aijssr-1921	254	24	specific	specific	ADJ
aijssr-1921	254	25	percentage	percentage	NOUN
aijssr-1921	254	26	of	of	ADP
aijssr-1921	254	27	the	the	DET
aijssr-1921	254	28	credit	credit	NOUN
aijssr-1921	254	29	limit	limit	NOUN
aijssr-1921	254	30	)	)	PUNCT
aijssr-1921	254	31	.	.	PUNCT
aijssr-1921	255	1	tawarruq	tawarruq	NOUN
aijssr-1921	255	2	-	-	PUNCT
aijssr-1921	255	3	settled	settle	VERB
aijssr-1921	255	4	credit	credit	NOUN
aijssr-1921	255	5	cards	card	NOUN
aijssr-1921	255	6	previously	previously	ADV
aijssr-1921	255	7	,	,	PUNCT
aijssr-1921	255	8	when	when	SCONJ
aijssr-1921	255	9	the	the	DET
aijssr-1921	255	10	bay	bay	PROPN
aijssr-1921	255	11	al	al	PROPN
aijssr-1921	255	12	-	-	PUNCT
aijssr-1921	255	13	nah	nah	INTJ
aijssr-1921	255	14	framework	framework	NOUN
aijssr-1921	255	15	still	still	ADV
aijssr-1921	255	16	constrained	constrain	VERB
aijssr-1921	255	17	islamic	islamic	ADJ
aijssr-1921	255	18	banks	bank	NOUN
aijssr-1921	255	19	,	,	PUNCT
aijssr-1921	255	20	they	they	PRON
aijssr-1921	255	21	would	would	AUX
aijssr-1921	255	22	sell	sell	VERB
aijssr-1921	255	23	a	a	DET
aijssr-1921	255	24	product	product	NOUN
aijssr-1921	255	25	to	to	ADP
aijssr-1921	255	26	a	a	DET
aijssr-1921	255	27	customer	customer	NOUN
aijssr-1921	255	28	based	base	VERB
aijssr-1921	255	29	on	on	ADP
aijssr-1921	255	30	a	a	DET
aijssr-1921	255	31	deferred	defer	VERB
aijssr-1921	255	32	payment	payment	NOUN
aijssr-1921	255	33	and	and	CCONJ
aijssr-1921	255	34	then	then	ADV
aijssr-1921	255	35	repurchase	repurchase	VERB
aijssr-1921	255	36	the	the	DET
aijssr-1921	255	37	thing	thing	NOUN
aijssr-1921	255	38	from	from	ADP
aijssr-1921	255	39	the	the	DET
aijssr-1921	255	40	consumer	consumer	NOUN
aijssr-1921	255	41	for	for	ADP
aijssr-1921	255	42	cash	cash	NOUN
aijssr-1921	255	43	at	at	ADP
aijssr-1921	255	44	a	a	DET
aijssr-1921	255	45	price	price	NOUN
aijssr-1921	255	46	discounted	discount	VERB
aijssr-1921	255	47	from	from	ADP
aijssr-1921	255	48	the	the	DET
aijssr-1921	255	49	commodity	commodity	NOUN
aijssr-1921	255	50	's	's	PART
aijssr-1921	255	51	actual	actual	ADJ
aijssr-1921	255	52	worth	worth	NOUN
aijssr-1921	255	53	.	.	PUNCT
aijssr-1921	256	1	this	this	DET
aijssr-1921	256	2	method	method	NOUN
aijssr-1921	256	3	was	be	AUX
aijssr-1921	256	4	widely	widely	ADV
aijssr-1921	256	5	used	use	VERB
aijssr-1921	256	6	when	when	SCONJ
aijssr-1921	256	7	the	the	DET
aijssr-1921	256	8	bay	bay	PROPN
aijssr-1921	256	9	al	al	PROPN
aijssr-1921	256	10	-	-	PUNCT
aijssr-1921	256	11	nah	nah	INTJ
aijssr-1921	256	12	framework	framework	NOUN
aijssr-1921	256	13	still	still	ADV
aijssr-1921	256	14	constrained	constrain	VERB
aijssr-1921	256	15	islamic	islamic	ADJ
aijssr-1921	256	16	banks	bank	NOUN
aijssr-1921	256	17	.	.	PUNCT
aijssr-1921	257	1	because	because	SCONJ
aijssr-1921	257	2	of	of	ADP
aijssr-1921	257	3	this	this	PRON
aijssr-1921	257	4	,	,	PUNCT
aijssr-1921	257	5	the	the	DET
aijssr-1921	257	6	banks	bank	NOUN
aijssr-1921	257	7	could	could	AUX
aijssr-1921	257	8	profit	profit	VERB
aijssr-1921	257	9	from	from	ADP
aijssr-1921	257	10	the	the	DET
aijssr-1921	257	11	difference	difference	NOUN
aijssr-1921	257	12	in	in	ADP
aijssr-1921	257	13	price	price	NOUN
aijssr-1921	257	14	between	between	ADP
aijssr-1921	257	15	when	when	SCONJ
aijssr-1921	257	16	they	they	PRON
aijssr-1921	257	17	sold	sell	VERB
aijssr-1921	257	18	the	the	DET
aijssr-1921	257	19	asset	asset	NOUN
aijssr-1921	257	20	and	and	CCONJ
aijssr-1921	257	21	when	when	SCONJ
aijssr-1921	257	22	they	they	PRON
aijssr-1921	257	23	repurchased	repurchase	VERB
aijssr-1921	257	24	it	it	PRON
aijssr-1921	257	25	after	after	ADP
aijssr-1921	257	26	having	having	AUX
aijssr-1921	257	27	previously	previously	ADV
aijssr-1921	257	28	sold	sell	VERB
aijssr-1921	257	29	it	it	PRON
aijssr-1921	257	30	.	.	PUNCT
aijssr-1921	258	1	there	there	PRON
aijssr-1921	258	2	was	be	VERB
aijssr-1921	258	3	a	a	DET
aijssr-1921	258	4	fluctuation	fluctuation	NOUN
aijssr-1921	258	5	in	in	ADP
aijssr-1921	258	6	value	value	NOUN
aijssr-1921	258	7	between	between	ADP
aijssr-1921	258	8	when	when	SCONJ
aijssr-1921	258	9	they	they	PRON
aijssr-1921	258	10	sold	sell	VERB
aijssr-1921	258	11	the	the	DET
aijssr-1921	258	12	item	item	NOUN
aijssr-1921	258	13	and	and	CCONJ
aijssr-1921	258	14	when	when	SCONJ
aijssr-1921	258	15	they	they	PRON
aijssr-1921	258	16	repurchased	repurchase	VERB
aijssr-1921	258	17	it	it	PRON
aijssr-1921	258	18	.	.	PUNCT
aijssr-1921	259	1	if	if	SCONJ
aijssr-1921	259	2	a	a	DET
aijssr-1921	259	3	client	client	NOUN
aijssr-1921	259	4	's	's	PART
aijssr-1921	259	5	credit	credit	NOUN
aijssr-1921	259	6	card	card	NOUN
aijssr-1921	259	7	balance	balance	NOUN
aijssr-1921	259	8	is	be	AUX
aijssr-1921	259	9	paid	pay	VERB
aijssr-1921	259	10	in	in	ADP
aijssr-1921	259	11	full	full	ADJ
aijssr-1921	259	12	with	with	ADP
aijssr-1921	259	13	cash	cash	NOUN
aijssr-1921	259	14	,	,	PUNCT
aijssr-1921	259	15	the	the	DET
aijssr-1921	259	16	consumer	consumer	NOUN
aijssr-1921	259	17	can	can	AUX
aijssr-1921	259	18	receive	receive	VERB
aijssr-1921	259	19	the	the	DET
aijssr-1921	259	20	total	total	ADJ
aijssr-1921	259	21	amount	amount	NOUN
aijssr-1921	259	22	of	of	ADP
aijssr-1921	259	23	cash	cash	NOUN
aijssr-1921	259	24	used	use	VERB
aijssr-1921	259	25	to	to	PART
aijssr-1921	259	26	settle	settle	VERB
aijssr-1921	259	27	the	the	DET
aijssr-1921	259	28	debt	debt	NOUN
aijssr-1921	259	29	.	.	PUNCT
aijssr-1921	260	1	this	this	DET
aijssr-1921	260	2	protection	protection	NOUN
aijssr-1921	260	3	extends	extend	VERB
aijssr-1921	260	4	to	to	ADP
aijssr-1921	260	5	cases	case	NOUN
aijssr-1921	260	6	when	when	SCONJ
aijssr-1921	260	7	someone	someone	PRON
aijssr-1921	260	8	other	other	ADJ
aijssr-1921	260	9	than	than	ADP
aijssr-1921	260	10	you	you	PRON
aijssr-1921	260	11	is	be	AUX
aijssr-1921	260	12	responsible	responsible	ADJ
aijssr-1921	260	13	for	for	ADP
aijssr-1921	260	14	making	make	VERB
aijssr-1921	260	15	the	the	DET
aijssr-1921	260	16	payment	payment	NOUN
aijssr-1921	260	17	.	.	PUNCT
aijssr-1921	261	1	this	this	PRON
aijssr-1921	261	2	is	be	AUX
aijssr-1921	261	3	done	do	VERB
aijssr-1921	261	4	on	on	ADP
aijssr-1921	261	5	the	the	DET
aijssr-1921	261	6	final	final	ADJ
aijssr-1921	261	7	day	day	NOUN
aijssr-1921	261	8	of	of	ADP
aijssr-1921	261	9	the	the	DET
aijssr-1921	261	10	grace	grace	NOUN
aijssr-1921	261	11	period	period	NOUN
aijssr-1921	261	12	granted	grant	VERB
aijssr-1921	261	13	at	at	ADP
aijssr-1921	261	14	the	the	DET
aijssr-1921	261	15	beginning	beginning	NOUN
aijssr-1921	261	16	of	of	ADP
aijssr-1921	261	17	the	the	DET
aijssr-1921	261	18	process	process	NOUN
aijssr-1921	261	19	.	.	PUNCT
aijssr-1921	262	1	when	when	SCONJ
aijssr-1921	262	2	a	a	DET
aijssr-1921	262	3	customer	customer	NOUN
aijssr-1921	262	4	of	of	ADP
aijssr-1921	262	5	an	an	DET
aijssr-1921	262	6	islamic	islamic	PROPN
aijssr-1921	262	7	bank	bank	PROPN
aijssr-1921	262	8	makes	make	VERB
aijssr-1921	262	9	a	a	DET
aijssr-1921	262	10	chowdhury	chowdhury	PROPN
aijssr-1921	262	11	et	et	PROPN
aijssr-1921	262	12	al	al	PROPN
aijssr-1921	262	13	.	.	PROPN
aijssr-1921	262	14	,	,	PUNCT
aijssr-1921	262	15	american	american	PROPN
aijssr-1921	262	16	international	international	PROPN
aijssr-1921	262	17	journal	journal	PROPN
aijssr-1921	262	18	of	of	ADP
aijssr-1921	262	19	social	social	ADJ
aijssr-1921	262	20	science	science	NOUN
aijssr-1921	262	21	research	research	NOUN
aijssr-1921	262	22	14(1	14(1	NUM
aijssr-1921	262	23	)	)	PUNCT
aijssr-1921	262	24	(	(	PUNCT
aijssr-1921	262	25	2023	2023	NUM
aijssr-1921	262	26	)	)	PUNCT
aijssr-1921	262	27	,	,	PUNCT
aijssr-1921	262	28	1	1	NUM
aijssr-1921	262	29	-	-	SYM
aijssr-1921	262	30	8	8	NUM
aijssr-1921	262	31	6	6	NUM
aijssr-1921	262	32	transaction	transaction	NOUN
aijssr-1921	262	33	using	use	VERB
aijssr-1921	262	34	their	their	PRON
aijssr-1921	262	35	card	card	NOUN
aijssr-1921	262	36	,	,	PUNCT
aijssr-1921	262	37	the	the	DET
aijssr-1921	262	38	islamic	islamic	PROPN
aijssr-1921	262	39	bank	bank	PROPN
aijssr-1921	262	40	transfers	transfer	VERB
aijssr-1921	262	41	the	the	DET
aijssr-1921	262	42	funds	fund	NOUN
aijssr-1921	262	43	to	to	ADP
aijssr-1921	262	44	the	the	DET
aijssr-1921	262	45	merchant	merchant	NOUN
aijssr-1921	262	46	rather	rather	ADV
aijssr-1921	262	47	than	than	ADP
aijssr-1921	262	48	the	the	DET
aijssr-1921	262	49	customer	customer	NOUN
aijssr-1921	262	50	.	.	PUNCT
aijssr-1921	263	1	the	the	DET
aijssr-1921	263	2	balances	balance	NOUN
aijssr-1921	263	3	on	on	ADP
aijssr-1921	263	4	the	the	DET
aijssr-1921	263	5	card	card	NOUN
aijssr-1921	263	6	must	must	AUX
aijssr-1921	263	7	be	be	AUX
aijssr-1921	263	8	paid	pay	VERB
aijssr-1921	263	9	in	in	ADP
aijssr-1921	263	10	full	full	ADJ
aijssr-1921	263	11	by	by	ADP
aijssr-1921	263	12	the	the	DET
aijssr-1921	263	13	cardholder	cardholder	NOUN
aijssr-1921	263	14	.	.	PUNCT
aijssr-1921	264	1	to	to	PART
aijssr-1921	264	2	achieve	achieve	VERB
aijssr-1921	264	3	this	this	PRON
aijssr-1921	264	4	,	,	PUNCT
aijssr-1921	264	5	a	a	DET
aijssr-1921	264	6	new	new	ADJ
aijssr-1921	264	7	no	no	DET
aijssr-1921	264	8	balance	balance	NOUN
aijssr-1921	264	9	will	will	AUX
aijssr-1921	264	10	be	be	AUX
aijssr-1921	264	11	created	create	VERB
aijssr-1921	264	12	and	and	CCONJ
aijssr-1921	264	13	repaid	repay	VERB
aijssr-1921	264	14	on	on	ADP
aijssr-1921	264	15	a	a	DET
aijssr-1921	264	16	new	new	ADJ
aijssr-1921	264	17	maturity	maturity	NOUN
aijssr-1921	264	18	date	date	NOUN
aijssr-1921	264	19	.	.	PUNCT
aijssr-1921	265	1	it	it	PRON
aijssr-1921	265	2	will	will	AUX
aijssr-1921	265	3	result	result	VERB
aijssr-1921	265	4	in	in	ADP
aijssr-1921	265	5	the	the	DET
aijssr-1921	265	6	full	full	ADJ
aijssr-1921	265	7	settlement	settlement	NOUN
aijssr-1921	265	8	of	of	ADP
aijssr-1921	265	9	the	the	DET
aijssr-1921	265	10	cardholder	cardholder	NOUN
aijssr-1921	265	11	's	's	PART
aijssr-1921	265	12	account	account	NOUN
aijssr-1921	265	13	amount	amount	NOUN
aijssr-1921	265	14	.	.	PUNCT
aijssr-1921	266	1	every	every	DET
aijssr-1921	266	2	month	month	NOUN
aijssr-1921	266	3	,	,	PUNCT
aijssr-1921	266	4	this	this	DET
aijssr-1921	266	5	practice	practice	NOUN
aijssr-1921	266	6	is	be	AUX
aijssr-1921	266	7	carried	carry	VERB
aijssr-1921	266	8	out	out	ADP
aijssr-1921	266	9	as	as	ADP
aijssr-1921	266	10	usual	usual	ADJ
aijssr-1921	266	11	.	.	PUNCT
aijssr-1921	267	1	furthermore	furthermore	ADV
aijssr-1921	267	2	,	,	PUNCT
aijssr-1921	267	3	credit	credit	NOUN
aijssr-1921	267	4	cards	card	NOUN
aijssr-1921	267	5	in	in	ADP
aijssr-1921	267	6	malaysia	malaysia	PROPN
aijssr-1921	267	7	have	have	VERB
aijssr-1921	267	8	a	a	DET
aijssr-1921	267	9	highly	highly	ADV
aijssr-1921	267	10	unusual	unusual	ADJ
aijssr-1921	267	11	bay	bay	NOUN
aijssr-1921	267	12	al	al	PROPN
aijssr-1921	267	13	-	-	PUNCT
aijssr-1921	267	14	nah	nah	INTJ
aijssr-1921	267	15	structure	structure	NOUN
aijssr-1921	267	16	that	that	PRON
aijssr-1921	267	17	incorporates	incorporate	VERB
aijssr-1921	267	18	the	the	DET
aijssr-1921	267	19	provisions	provision	NOUN
aijssr-1921	267	20	of	of	ADP
aijssr-1921	267	21	two	two	NUM
aijssr-1921	267	22	different	different	ADJ
aijssr-1921	267	23	contracts	contract	NOUN
aijssr-1921	267	24	,	,	PUNCT
aijssr-1921	268	1	bay	bay	PROPN
aijssr-1921	268	2	al	al	PROPN
aijssr-1921	268	3	-	-	PROPN
aijssr-1921	268	4	nah	nah	PROPN
aijssr-1921	268	5	and	and	CCONJ
aijssr-1921	268	6	wadah	wadah	PROPN
aijssr-1921	269	1	.	.	PUNCT
aijssr-1921	270	1	the	the	DET
aijssr-1921	270	2	end	end	NOUN
aijssr-1921	270	3	effect	effect	NOUN
aijssr-1921	270	4	has	have	VERB
aijssr-1921	270	5	a	a	DET
aijssr-1921	270	6	one	one	NUM
aijssr-1921	270	7	-	-	PUNCT
aijssr-1921	270	8	of	of	ADP
aijssr-1921	270	9	-	-	PUNCT
aijssr-1921	270	10	a	a	DET
aijssr-1921	270	11	-	-	PUNCT
aijssr-1921	270	12	kind	kind	NOUN
aijssr-1921	270	13	visual	visual	ADJ
aijssr-1921	270	14	quality	quality	NOUN
aijssr-1921	270	15	.	.	PUNCT
aijssr-1921	271	1	this	this	PRON
aijssr-1921	271	2	produces	produce	VERB
aijssr-1921	271	3	an	an	DET
aijssr-1921	271	4	odd	odd	ADJ
aijssr-1921	271	5	appearance	appearance	NOUN
aijssr-1921	271	6	on	on	ADP
aijssr-1921	271	7	the	the	DET
aijssr-1921	271	8	outside	outside	NOUN
aijssr-1921	271	9	.	.	PUNCT
aijssr-1921	272	1	this	this	PRON
aijssr-1921	272	2	has	have	AUX
aijssr-1921	272	3	given	give	VERB
aijssr-1921	272	4	the	the	DET
aijssr-1921	272	5	bay	bay	NOUN
aijssr-1921	272	6	al	al	PROPN
aijssr-1921	272	7	-	-	PROPN
aijssr-1921	272	8	nah	nah	INTJ
aijssr-1921	272	9	building	building	NOUN
aijssr-1921	272	10	a	a	DET
aijssr-1921	272	11	look	look	NOUN
aijssr-1921	272	12	that	that	PRON
aijssr-1921	272	13	distinguishes	distinguish	VERB
aijssr-1921	272	14	it	it	PRON
aijssr-1921	272	15	from	from	ADP
aijssr-1921	272	16	its	its	PRON
aijssr-1921	272	17	surroundings	surrounding	NOUN
aijssr-1921	272	18	.	.	PUNCT
aijssr-1921	273	1	when	when	SCONJ
aijssr-1921	273	2	dealing	deal	VERB
aijssr-1921	273	3	with	with	ADP
aijssr-1921	273	4	a	a	DET
aijssr-1921	273	5	customer	customer	NOUN
aijssr-1921	273	6	,	,	PUNCT
aijssr-1921	273	7	an	an	DET
aijssr-1921	273	8	islamic	islamic	PROPN
aijssr-1921	273	9	bank	bank	NOUN
aijssr-1921	273	10	may	may	AUX
aijssr-1921	273	11	propose	propose	VERB
aijssr-1921	273	12	a	a	DET
aijssr-1921	273	13	sale	sale	NOUN
aijssr-1921	273	14	of	of	ADP
aijssr-1921	273	15	an	an	DET
aijssr-1921	273	16	asset	asset	NOUN
aijssr-1921	273	17	in	in	ADP
aijssr-1921	273	18	return	return	NOUN
aijssr-1921	273	19	for	for	ADP
aijssr-1921	273	20	deferred	deferred	ADJ
aijssr-1921	273	21	payment	payment	NOUN
aijssr-1921	273	22	,	,	PUNCT
aijssr-1921	273	23	with	with	ADP
aijssr-1921	273	24	the	the	DET
aijssr-1921	273	25	bank	bank	NOUN
aijssr-1921	273	26	later	later	ADV
aijssr-1921	273	27	offering	offer	VERB
aijssr-1921	273	28	to	to	PART
aijssr-1921	273	29	repurchase	repurchase	VERB
aijssr-1921	273	30	the	the	DET
aijssr-1921	273	31	asset	asset	NOUN
aijssr-1921	273	32	from	from	ADP
aijssr-1921	273	33	the	the	DET
aijssr-1921	273	34	customer	customer	NOUN
aijssr-1921	273	35	for	for	ADP
aijssr-1921	273	36	cash	cash	NOUN
aijssr-1921	273	37	at	at	ADP
aijssr-1921	273	38	a	a	DET
aijssr-1921	273	39	price	price	NOUN
aijssr-1921	273	40	lower	low	ADJ
aijssr-1921	273	41	than	than	ADP
aijssr-1921	273	42	the	the	DET
aijssr-1921	273	43	initial	initial	ADJ
aijssr-1921	273	44	selling	selling	NOUN
aijssr-1921	273	45	price	price	NOUN
aijssr-1921	273	46	.	.	PUNCT
aijssr-1921	274	1	since	since	SCONJ
aijssr-1921	274	2	there	there	PRON
aijssr-1921	274	3	is	be	VERB
aijssr-1921	274	4	no	no	DET
aijssr-1921	274	5	actual	actual	ADJ
aijssr-1921	274	6	buy	buy	VERB
aijssr-1921	274	7	-	-	PUNCT
aijssr-1921	274	8	and	and	CCONJ
aijssr-1921	274	9	-	-	PUNCT
aijssr-1921	274	10	sell	sell	NOUN
aijssr-1921	274	11	mechanism	mechanism	NOUN
aijssr-1921	274	12	,	,	PUNCT
aijssr-1921	274	13	the	the	DET
aijssr-1921	274	14	operation	operation	NOUN
aijssr-1921	274	15	of	of	ADP
aijssr-1921	274	16	these	these	DET
aijssr-1921	274	17	cards	card	NOUN
aijssr-1921	274	18	is	be	AUX
aijssr-1921	274	19	not	not	PART
aijssr-1921	274	20	in	in	ADP
aijssr-1921	274	21	any	any	DET
aijssr-1921	274	22	way	way	NOUN
aijssr-1921	274	23	governed	govern	VERB
aijssr-1921	274	24	by	by	ADP
aijssr-1921	274	25	market	market	NOUN
aijssr-1921	274	26	forces	force	NOUN
aijssr-1921	274	27	.	.	PUNCT
aijssr-1921	275	1	the	the	DET
aijssr-1921	275	2	asset	asset	NOUN
aijssr-1921	275	3	's	's	PART
aijssr-1921	275	4	hypothetical	hypothetical	ADJ
aijssr-1921	275	5	purchasers	purchaser	NOUN
aijssr-1921	275	6	and	and	CCONJ
aijssr-1921	275	7	sellers	seller	NOUN
aijssr-1921	275	8	both	both	PRON
aijssr-1921	275	9	exist	exist	VERB
aijssr-1921	275	10	only	only	ADV
aijssr-1921	275	11	in	in	ADP
aijssr-1921	275	12	the	the	DET
aijssr-1921	275	13	mind	mind	NOUN
aijssr-1921	275	14	.	.	PUNCT
aijssr-1921	276	1	that	that	PRON
aijssr-1921	276	2	is	be	AUX
aijssr-1921	276	3	a	a	DET
aijssr-1921	276	4	false	false	ADJ
aijssr-1921	276	5	dichotomy	dichotomy	NOUN
aijssr-1921	276	6	on	on	ADP
aijssr-1921	276	7	both	both	DET
aijssr-1921	276	8	sides	side	NOUN
aijssr-1921	276	9	.	.	PUNCT
aijssr-1921	277	1	this	this	PRON
aijssr-1921	277	2	allows	allow	VERB
aijssr-1921	277	3	for	for	ADP
aijssr-1921	277	4	legitimate	legitimate	ADJ
aijssr-1921	277	5	business	business	NOUN
aijssr-1921	277	6	transactions	transaction	NOUN
aijssr-1921	277	7	,	,	PUNCT
aijssr-1921	277	8	which	which	PRON
aijssr-1921	277	9	starkly	starkly	ADV
aijssr-1921	277	10	contrasts	contrast	VERB
aijssr-1921	277	11	islamic	islamic	ADJ
aijssr-1921	277	12	teachings	teaching	NOUN
aijssr-1921	277	13	.	.	PUNCT
aijssr-1921	278	1	as	as	ADP
aijssr-1921	278	2	a	a	DET
aijssr-1921	278	3	direct	direct	ADJ
aijssr-1921	278	4	result	result	NOUN
aijssr-1921	278	5	,	,	PUNCT
aijssr-1921	278	6	it	it	PRON
aijssr-1921	278	7	will	will	AUX
aijssr-1921	278	8	be	be	AUX
aijssr-1921	278	9	harmed	harm	VERB
aijssr-1921	278	10	by	by	ADP
aijssr-1921	278	11	this	this	PRON
aijssr-1921	278	12	.	.	PUNCT
aijssr-1921	279	1	ijārah	ijārah	PROPN
aijssr-1921	279	2	credit	credit	NOUN
aijssr-1921	279	3	card	card	NOUN
aijssr-1921	279	4	people	people	NOUN
aijssr-1921	279	5	who	who	PRON
aijssr-1921	279	6	use	use	VERB
aijssr-1921	279	7	this	this	DET
aijssr-1921	279	8	form	form	NOUN
aijssr-1921	279	9	of	of	ADP
aijssr-1921	279	10	credit	credit	NOUN
aijssr-1921	279	11	card	card	NOUN
aijssr-1921	279	12	are	be	AUX
aijssr-1921	279	13	a	a	DET
aijssr-1921	279	14	smaller	small	ADJ
aijssr-1921	279	15	subset	subset	NOUN
aijssr-1921	279	16	of	of	ADP
aijssr-1921	279	17	the	the	DET
aijssr-1921	279	18	population	population	NOUN
aijssr-1921	279	19	than	than	ADP
aijssr-1921	279	20	those	those	PRON
aijssr-1921	279	21	who	who	PRON
aijssr-1921	279	22	use	use	VERB
aijssr-1921	279	23	other	other	ADJ
aijssr-1921	279	24	varieties	variety	NOUN
aijssr-1921	279	25	.	.	PUNCT
aijssr-1921	280	1	its	its	PRON
aijssr-1921	280	2	principal	principal	ADJ
aijssr-1921	280	3	function	function	NOUN
aijssr-1921	280	4	is	be	AUX
aijssr-1921	280	5	to	to	PART
aijssr-1921	280	6	facilitate	facilitate	VERB
aijssr-1921	280	7	the	the	DET
aijssr-1921	280	8	cardholder	cardholder	NOUN
aijssr-1921	280	9	's	's	PART
aijssr-1921	280	10	ability	ability	NOUN
aijssr-1921	280	11	to	to	PART
aijssr-1921	280	12	make	make	VERB
aijssr-1921	280	13	lease	lease	NOUN
aijssr-1921	280	14	-	-	PUNCT
aijssr-1921	280	15	based	base	VERB
aijssr-1921	280	16	purchases	purchase	NOUN
aijssr-1921	280	17	of	of	ADP
aijssr-1921	280	18	fungible	fungible	ADJ
aijssr-1921	280	19	assets	asset	NOUN
aijssr-1921	280	20	from	from	ADP
aijssr-1921	280	21	many	many	ADJ
aijssr-1921	280	22	vendors	vendor	NOUN
aijssr-1921	280	23	.	.	PUNCT
aijssr-1921	281	1	the	the	DET
aijssr-1921	281	2	cardholder	cardholder	NOUN
aijssr-1921	281	3	is	be	AUX
aijssr-1921	281	4	extended	extend	VERB
aijssr-1921	281	5	the	the	DET
aijssr-1921	281	6	option	option	NOUN
aijssr-1921	281	7	to	to	PART
aijssr-1921	281	8	acquire	acquire	VERB
aijssr-1921	281	9	while	while	SCONJ
aijssr-1921	281	10	the	the	DET
aijssr-1921	281	11	issuer	issuer	NOUN
aijssr-1921	281	12	foots	foot	VERB
aijssr-1921	281	13	the	the	DET
aijssr-1921	281	14	bill	bill	NOUN
aijssr-1921	281	15	.	.	PUNCT
aijssr-1921	282	1	after	after	ADP
aijssr-1921	282	2	that	that	PRON
aijssr-1921	282	3	,	,	PUNCT
aijssr-1921	282	4	the	the	DET
aijssr-1921	282	5	cardholder	cardholder	NOUN
aijssr-1921	282	6	must	must	AUX
aijssr-1921	282	7	pay	pay	VERB
aijssr-1921	282	8	a	a	DET
aijssr-1921	282	9	specific	specific	ADJ
aijssr-1921	282	10	monthly	monthly	ADJ
aijssr-1921	282	11	rent	rent	NOUN
aijssr-1921	282	12	for	for	ADP
aijssr-1921	282	13	the	the	DET
aijssr-1921	282	14	agreed	agree	VERB
aijssr-1921	282	15	-	-	PUNCT
aijssr-1921	282	16	upon	upon	ADP
aijssr-1921	282	17	duration	duration	NOUN
aijssr-1921	282	18	.	.	PUNCT
aijssr-1921	283	1	the	the	DET
aijssr-1921	283	2	ujrah	ujrah	PROPN
aijssr-1921	283	3	paradigm	paradigm	NOUN
aijssr-1921	283	4	also	also	ADV
aijssr-1921	283	5	came	come	VERB
aijssr-1921	283	6	under	under	ADP
aijssr-1921	283	7	fire	fire	NOUN
aijssr-1921	283	8	from	from	ADP
aijssr-1921	283	9	those	those	PRON
aijssr-1921	283	10	who	who	PRON
aijssr-1921	283	11	disagreed	disagree	VERB
aijssr-1921	283	12	with	with	ADP
aijssr-1921	283	13	it	it	PRON
aijssr-1921	283	14	.	.	PUNCT
aijssr-1921	284	1	scholars	scholar	NOUN
aijssr-1921	284	2	from	from	ADP
aijssr-1921	284	3	each	each	PRON
aijssr-1921	284	4	of	of	ADP
aijssr-1921	284	5	the	the	DET
aijssr-1921	284	6	four	four	NUM
aijssr-1921	284	7	schools	school	NOUN
aijssr-1921	284	8	of	of	ADP
aijssr-1921	284	9	fiqhfiqh	fiqhfiqh	NOUN
aijssr-1921	284	10	agree	agree	VERB
aijssr-1921	284	11	that	that	SCONJ
aijssr-1921	284	12	bank	bank	NOUN
aijssr-1921	284	13	fees	fee	NOUN
aijssr-1921	284	14	benefit	benefit	VERB
aijssr-1921	284	15	a	a	DET
aijssr-1921	284	16	loan	loan	NOUN
aijssr-1921	284	17	because	because	SCONJ
aijssr-1921	284	18	of	of	ADP
aijssr-1921	284	19	how	how	SCONJ
aijssr-1921	284	20	they	they	PRON
aijssr-1921	284	21	are	be	AUX
aijssr-1921	284	22	structured	structure	VERB
aijssr-1921	284	23	.	.	PUNCT
aijssr-1921	285	1	because	because	SCONJ
aijssr-1921	285	2	riba	riba	PROPN
aijssr-1921	285	3	prohibits	prohibit	VERB
aijssr-1921	285	4	the	the	DET
aijssr-1921	285	5	lender	lender	NOUN
aijssr-1921	285	6	from	from	ADP
aijssr-1921	285	7	benefiting	benefit	VERB
aijssr-1921	285	8	from	from	ADP
aijssr-1921	285	9	the	the	DET
aijssr-1921	285	10	loans	loan	NOUN
aijssr-1921	285	11	,	,	PUNCT
aijssr-1921	285	12	the	the	DET
aijssr-1921	285	13	lender	lender	NOUN
aijssr-1921	285	14	can	can	AUX
aijssr-1921	285	15	not	not	PART
aijssr-1921	285	16	profit	profit	VERB
aijssr-1921	285	17	from	from	ADP
aijssr-1921	285	18	them	they	PRON
aijssr-1921	285	19	.	.	PUNCT
aijssr-1921	286	1	key	key	ADJ
aijssr-1921	286	2	features	feature	NOUN
aijssr-1921	286	3	of	of	ADP
aijssr-1921	286	4	a	a	DET
aijssr-1921	286	5	new	new	ADJ
aijssr-1921	286	6	concept	concept	NOUN
aijssr-1921	286	7	mushāraka	mushāraka	NOUN
aijssr-1921	286	8	mutanāqisa	mutanāqisa	NOUN
aijssr-1921	286	9	while	while	SCONJ
aijssr-1921	286	10	a	a	DET
aijssr-1921	286	11	mudaraka	mudaraka	NOUN
aijssr-1921	286	12	mutanaqisa	mutanaqisa	NOUN
aijssr-1921	286	13	is	be	AUX
aijssr-1921	286	14	one	one	NUM
aijssr-1921	286	15	type	type	NOUN
aijssr-1921	286	16	of	of	ADP
aijssr-1921	286	17	islamic	islamic	ADJ
aijssr-1921	286	18	financial	financial	ADJ
aijssr-1921	286	19	product	product	NOUN
aijssr-1921	286	20	,	,	PUNCT
aijssr-1921	286	21	islamic	islamic	ADJ
aijssr-1921	286	22	banks	bank	NOUN
aijssr-1921	286	23	can	can	AUX
aijssr-1921	286	24	also	also	ADV
aijssr-1921	286	25	provide	provide	VERB
aijssr-1921	286	26	a	a	DET
aijssr-1921	286	27	wide	wide	ADJ
aijssr-1921	286	28	variety	variety	NOUN
aijssr-1921	286	29	of	of	ADP
aijssr-1921	286	30	other	other	ADJ
aijssr-1921	286	31	products	product	NOUN
aijssr-1921	286	32	.	.	PUNCT
aijssr-1921	287	1	focusing	focus	VERB
aijssr-1921	287	2	on	on	ADP
aijssr-1921	287	3	many	many	ADJ
aijssr-1921	287	4	core	core	NOUN
aijssr-1921	287	5	features	feature	NOUN
aijssr-1921	287	6	of	of	ADP
aijssr-1921	287	7	a	a	DET
aijssr-1921	287	8	mushraka	mushraka	PROPN
aijssr-1921	287	9	mutanqisa	mutanqisa	NOUN
aijssr-1921	287	10	based	base	VERB
aijssr-1921	287	11	on	on	ADP
aijssr-1921	287	12	the	the	DET
aijssr-1921	287	13	shara	shara	NOUN
aijssr-1921	287	14	standards	standard	NOUN
aijssr-1921	287	15	of	of	ADP
aijssr-1921	287	16	the	the	DET
aijssr-1921	287	17	accounting	accounting	NOUN
aijssr-1921	287	18	and	and	CCONJ
aijssr-1921	287	19	auditing	auditing	NOUN
aijssr-1921	287	20	organization	organization	NOUN
aijssr-1921	287	21	for	for	ADP
aijssr-1921	287	22	islamic	islamic	ADJ
aijssr-1921	287	23	financial	financial	ADJ
aijssr-1921	287	24	institutions	institution	NOUN
aijssr-1921	287	25	is	be	AUX
aijssr-1921	287	26	necessary	necessary	ADJ
aijssr-1921	287	27	for	for	ADP
aijssr-1921	287	28	building	build	VERB
aijssr-1921	287	29	an	an	DET
aijssr-1921	287	30	islamic	islamic	ADJ
aijssr-1921	287	31	credit	credit	NOUN
aijssr-1921	287	32	card	card	NOUN
aijssr-1921	287	33	compliant	compliant	NOUN
aijssr-1921	287	34	with	with	ADP
aijssr-1921	287	35	sharia	sharia	PROPN
aijssr-1921	287	36	law	law	PROPN
aijssr-1921	287	37	(	(	PUNCT
aijssr-1921	287	38	aaoifi	aaoifi	PROPN
aijssr-1921	287	39	)	)	PUNCT
aijssr-1921	287	40	.	.	PUNCT
aijssr-1921	288	1	a	a	DET
aijssr-1921	288	2	mushraka	mushraka	PROPN
aijssr-1921	288	3	mutanqisa	mutanqisa	NOUN
aijssr-1921	288	4	is	be	AUX
aijssr-1921	288	5	required	require	VERB
aijssr-1921	288	6	to	to	PART
aijssr-1921	288	7	build	build	VERB
aijssr-1921	288	8	an	an	DET
aijssr-1921	288	9	islamic	islamic	ADJ
aijssr-1921	288	10	credit	credit	NOUN
aijssr-1921	288	11	card	card	NOUN
aijssr-1921	288	12	(	(	PUNCT
aijssr-1921	288	13	aaoifi	aaoifi	NOUN
aijssr-1921	288	14	)	)	PUNCT
aijssr-1921	288	15	.	.	PUNCT
aijssr-1921	289	1	thus	thus	ADV
aijssr-1921	289	2	,	,	PUNCT
aijssr-1921	289	3	it	it	PRON
aijssr-1921	289	4	will	will	AUX
aijssr-1921	289	5	be	be	AUX
aijssr-1921	289	6	possible	possible	ADJ
aijssr-1921	289	7	to	to	PART
aijssr-1921	289	8	envision	envision	VERB
aijssr-1921	289	9	an	an	DET
aijssr-1921	289	10	islamic	islamic	ADJ
aijssr-1921	289	11	credit	credit	NOUN
aijssr-1921	289	12	card	card	NOUN
aijssr-1921	289	13	that	that	PRON
aijssr-1921	289	14	mimics	mimic	VERB
aijssr-1921	289	15	the	the	DET
aijssr-1921	289	16	musharaka	musharaka	NOUN
aijssr-1921	289	17	mutanaqisa	mutanaqisa	NOUN
aijssr-1921	289	18	.	.	PUNCT
aijssr-1921	290	1	this	this	PRON
aijssr-1921	290	2	is	be	AUX
aijssr-1921	290	3	due	due	ADJ
aijssr-1921	290	4	to	to	ADP
aijssr-1921	290	5	aaoifi	aaoifi	NOUN
aijssr-1921	290	6	's	's	PART
aijssr-1921	290	7	prominence	prominence	NOUN
aijssr-1921	290	8	as	as	ADP
aijssr-1921	290	9	an	an	DET
aijssr-1921	290	10	islamic	islamic	ADJ
aijssr-1921	290	11	financial	financial	ADJ
aijssr-1921	290	12	infrastructure	infrastructure	NOUN
aijssr-1921	290	13	standards	standard	NOUN
aijssr-1921	290	14	-	-	PUNCT
aijssr-1921	290	15	setting	set	VERB
aijssr-1921	290	16	body	body	NOUN
aijssr-1921	290	17	,	,	PUNCT
aijssr-1921	290	18	which	which	PRON
aijssr-1921	290	19	has	have	AUX
aijssr-1921	290	20	led	lead	VERB
aijssr-1921	290	21	to	to	ADP
aijssr-1921	290	22	widespread	widespread	ADJ
aijssr-1921	290	23	acceptance	acceptance	NOUN
aijssr-1921	290	24	of	of	ADP
aijssr-1921	290	25	its	its	PRON
aijssr-1921	290	26	guidelines	guideline	NOUN
aijssr-1921	290	27	across	across	ADP
aijssr-1921	290	28	the	the	DET
aijssr-1921	290	29	international	international	ADJ
aijssr-1921	290	30	islamic	islamic	ADJ
aijssr-1921	290	31	banking	banking	NOUN
aijssr-1921	290	32	sector	sector	NOUN
aijssr-1921	290	33	.	.	PUNCT
aijssr-1921	291	1	the	the	DET
aijssr-1921	291	2	american	american	PROPN
aijssr-1921	291	3	association	association	PROPN
aijssr-1921	291	4	of	of	ADP
aijssr-1921	291	5	independent	independent	ADJ
aijssr-1921	291	6	financial	financial	ADJ
aijssr-1921	291	7	institutions	institution	NOUN
aijssr-1921	291	8	(	(	PUNCT
aijssr-1921	291	9	aaoifi	aaoifi	NOUN
aijssr-1921	291	10	)	)	PUNCT
aijssr-1921	291	11	describes	describe	VERB
aijssr-1921	291	12	a	a	DET
aijssr-1921	291	13	mushraka	mushraka	PROPN
aijssr-1921	291	14	mutanqisa	mutanqisa	NOUN
aijssr-1921	291	15	as	as	ADP
aijssr-1921	291	16	a	a	DET
aijssr-1921	291	17	partnership	partnership	NOUN
aijssr-1921	291	18	in	in	ADP
aijssr-1921	291	19	which	which	PRON
aijssr-1921	291	20	one	one	NUM
aijssr-1921	291	21	partner	partner	NOUN
aijssr-1921	291	22	agrees	agree	VERB
aijssr-1921	291	23	to	to	PART
aijssr-1921	291	24	buy	buy	VERB
aijssr-1921	291	25	out	out	ADP
aijssr-1921	291	26	the	the	DET
aijssr-1921	291	27	other	other	ADJ
aijssr-1921	291	28	's	's	PART
aijssr-1921	291	29	stake	stake	NOUN
aijssr-1921	291	30	in	in	ADP
aijssr-1921	291	31	the	the	DET
aijssr-1921	291	32	business	business	NOUN
aijssr-1921	291	33	at	at	ADP
aijssr-1921	291	34	a	a	DET
aijssr-1921	291	35	predetermined	predetermine	VERB
aijssr-1921	291	36	price	price	NOUN
aijssr-1921	291	37	over	over	ADP
aijssr-1921	291	38	time	time	NOUN
aijssr-1921	291	39	.	.	PUNCT
aijssr-1921	292	1	the	the	DET
aijssr-1921	292	2	term	term	NOUN
aijssr-1921	292	3	"	"	PUNCT
aijssr-1921	292	4	mushraka	mushraka	NOUN
aijssr-1921	292	5	mutanqisa	mutanqisa	NOUN
aijssr-1921	292	6	"	"	PUNCT
aijssr-1921	292	7	describes	describe	VERB
aijssr-1921	292	8	this	this	DET
aijssr-1921	292	9	particular	particular	ADJ
aijssr-1921	292	10	sort	sort	NOUN
aijssr-1921	292	11	of	of	ADP
aijssr-1921	292	12	collaboration	collaboration	NOUN
aijssr-1921	292	13	.	.	PUNCT
aijssr-1921	293	1	this	this	DET
aijssr-1921	293	2	kind	kind	NOUN
aijssr-1921	293	3	of	of	ADP
aijssr-1921	293	4	collaboration	collaboration	NOUN
aijssr-1921	293	5	is	be	AUX
aijssr-1921	293	6	called	call	VERB
aijssr-1921	293	7	a	a	DET
aijssr-1921	293	8	mushraka	mushraka	PROPN
aijssr-1921	293	9	mutanqisa	mutanqisa	PROPN
aijssr-1921	293	10	.	.	PUNCT
aijssr-1921	294	1	mushraka	mushraka	PROPN
aijssr-1921	294	2	mutanqisa	mutanqisa	PROPN
aijssr-1921	294	3	is	be	AUX
aijssr-1921	294	4	the	the	DET
aijssr-1921	294	5	swahili	swahili	ADJ
aijssr-1921	294	6	phrase	phrase	NOUN
aijssr-1921	294	7	for	for	ADP
aijssr-1921	294	8	this	this	DET
aijssr-1921	294	9	form	form	NOUN
aijssr-1921	294	10	of	of	ADP
aijssr-1921	294	11	cooperation	cooperation	NOUN
aijssr-1921	294	12	.	.	PUNCT
aijssr-1921	295	1	however	however	ADV
aijssr-1921	295	2	,	,	PUNCT
aijssr-1921	295	3	aaoifi	aaoifi	PROPN
aijssr-1921	295	4	makes	make	VERB
aijssr-1921	295	5	it	it	PRON
aijssr-1921	295	6	clear	clear	ADJ
aijssr-1921	295	7	that	that	SCONJ
aijssr-1921	295	8	neither	neither	CCONJ
aijssr-1921	295	9	the	the	DET
aijssr-1921	295	10	commitment	commitment	NOUN
aijssr-1921	295	11	nor	nor	CCONJ
aijssr-1921	295	12	the	the	DET
aijssr-1921	295	13	actual	actual	ADJ
aijssr-1921	295	14	acquisition	acquisition	NOUN
aijssr-1921	295	15	need	need	NOUN
aijssr-1921	295	16	has	have	AUX
aijssr-1921	295	17	been	be	AUX
aijssr-1921	295	18	part	part	NOUN
aijssr-1921	295	19	of	of	ADP
aijssr-1921	295	20	the	the	DET
aijssr-1921	295	21	original	original	ADJ
aijssr-1921	295	22	partnership	partnership	NOUN
aijssr-1921	295	23	arrangement	arrangement	NOUN
aijssr-1921	295	24	.	.	PUNCT
aijssr-1921	296	1	accordingly	accordingly	ADV
aijssr-1921	296	2	,	,	PUNCT
aijssr-1921	296	3	the	the	DET
aijssr-1921	296	4	contract	contract	NOUN
aijssr-1921	296	5	regulating	regulate	VERB
aijssr-1921	296	6	the	the	DET
aijssr-1921	296	7	acquisition	acquisition	NOUN
aijssr-1921	296	8	of	of	ADP
aijssr-1921	296	9	the	the	DET
aijssr-1921	296	10	other	other	ADJ
aijssr-1921	296	11	partner	partner	NOUN
aijssr-1921	296	12	's	's	PART
aijssr-1921	296	13	shares	share	NOUN
aijssr-1921	296	14	must	must	AUX
aijssr-1921	296	15	be	be	AUX
aijssr-1921	296	16	drafted	draft	VERB
aijssr-1921	296	17	independently	independently	ADV
aijssr-1921	296	18	of	of	ADP
aijssr-1921	296	19	the	the	DET
aijssr-1921	296	20	other	other	ADJ
aijssr-1921	296	21	partner	partner	NOUN
aijssr-1921	296	22	.	.	PUNCT
aijssr-1921	297	1	that	that	PRON
aijssr-1921	297	2	is	be	AUX
aijssr-1921	297	3	because	because	SCONJ
aijssr-1921	297	4	that	that	PRON
aijssr-1921	297	5	follows	follow	VERB
aijssr-1921	297	6	from	from	ADP
aijssr-1921	297	7	that	that	PRON
aijssr-1921	297	8	;	;	PUNCT
aijssr-1921	297	9	thus	thus	ADV
aijssr-1921	297	10	,	,	PUNCT
aijssr-1921	297	11	it	it	PRON
aijssr-1921	297	12	makes	make	VERB
aijssr-1921	297	13	sense	sense	NOUN
aijssr-1921	297	14	.	.	PUNCT
aijssr-1921	298	1	a	a	DET
aijssr-1921	298	2	further	further	ADJ
aijssr-1921	298	3	limitation	limitation	NOUN
aijssr-1921	298	4	emphasized	emphasize	VERB
aijssr-1921	298	5	by	by	ADP
aijssr-1921	298	6	aaoifi	aaoifi	NOUN
aijssr-1921	298	7	is	be	AUX
aijssr-1921	298	8	that	that	SCONJ
aijssr-1921	298	9	no	no	DET
aijssr-1921	298	10	partner	partner	NOUN
aijssr-1921	298	11	in	in	ADP
aijssr-1921	298	12	a	a	DET
aijssr-1921	298	13	mushraka	mushraka	PROPN
aijssr-1921	298	14	mutanqisa	mutanqisa	NOUN
aijssr-1921	298	15	agreement	agreement	NOUN
aijssr-1921	298	16	can	can	AUX
aijssr-1921	298	17	be	be	AUX
aijssr-1921	298	18	offered	offer	VERB
aijssr-1921	298	19	the	the	DET
aijssr-1921	298	20	option	option	NOUN
aijssr-1921	298	21	to	to	PART
aijssr-1921	298	22	withdraw	withdraw	VERB
aijssr-1921	298	23	their	their	PRON
aijssr-1921	298	24	shares	share	NOUN
aijssr-1921	298	25	or	or	CCONJ
aijssr-1921	298	26	that	that	SCONJ
aijssr-1921	298	27	such	such	DET
aijssr-1921	298	28	a	a	DET
aijssr-1921	298	29	clause	clause	NOUN
aijssr-1921	298	30	can	can	AUX
aijssr-1921	298	31	be	be	AUX
aijssr-1921	298	32	included	include	VERB
aijssr-1921	298	33	in	in	ADP
aijssr-1921	298	34	the	the	DET
aijssr-1921	298	35	contract	contract	NOUN
aijssr-1921	298	36	.	.	PUNCT
aijssr-1921	299	1	this	this	PRON
aijssr-1921	299	2	is	be	AUX
aijssr-1921	299	3	because	because	SCONJ
aijssr-1921	299	4	doing	do	VERB
aijssr-1921	299	5	so	so	ADV
aijssr-1921	299	6	is	be	AUX
aijssr-1921	299	7	illegal	illegal	ADJ
aijssr-1921	299	8	.	.	PUNCT
aijssr-1921	300	1	as	as	ADP
aijssr-1921	300	2	one	one	NUM
aijssr-1921	300	3	of	of	ADP
aijssr-1921	300	4	the	the	DET
aijssr-1921	300	5	rules	rule	NOUN
aijssr-1921	300	6	mentioned	mention	VERB
aijssr-1921	300	7	in	in	ADP
aijssr-1921	300	8	the	the	DET
aijssr-1921	300	9	aaoifi	aaoifi	NOUN
aijssr-1921	300	10	paper	paper	NOUN
aijssr-1921	300	11	,	,	PUNCT
aijssr-1921	300	12	this	this	DET
aijssr-1921	300	13	one	one	NOUN
aijssr-1921	300	14	is	be	AUX
aijssr-1921	300	15	as	as	SCONJ
aijssr-1921	300	16	follows	follow	VERB
aijssr-1921	300	17	:	:	PUNCT
aijssr-1921	300	18	however	however	ADV
aijssr-1921	300	19	,	,	PUNCT
aijssr-1921	300	20	as	as	SCONJ
aijssr-1921	300	21	a	a	DET
aijssr-1921	300	22	mushraka	mushraka	NOUN
aijssr-1921	300	23	mutanqisa	mutanqisa	NOUN
aijssr-1921	300	24	is	be	AUX
aijssr-1921	300	25	considered	consider	VERB
aijssr-1921	300	26	a	a	DET
aijssr-1921	300	27	partnership	partnership	NOUN
aijssr-1921	300	28	mode	mode	NOUN
aijssr-1921	300	29	(	(	PUNCT
aijssr-1921	300	30	as	as	SCONJ
aijssr-1921	300	31	opposed	oppose	VERB
aijssr-1921	300	32	to	to	ADP
aijssr-1921	300	33	a	a	DET
aijssr-1921	300	34	sale	sale	NOUN
aijssr-1921	300	35	or	or	CCONJ
aijssr-1921	300	36	lease	lease	NOUN
aijssr-1921	300	37	mode	mode	NOUN
aijssr-1921	300	38	,	,	PUNCT
aijssr-1921	300	39	for	for	ADP
aijssr-1921	300	40	example	example	NOUN
aijssr-1921	300	41	)	)	PUNCT
aijssr-1921	300	42	,	,	PUNCT
aijssr-1921	300	43	both	both	DET
aijssr-1921	300	44	parties	party	NOUN
aijssr-1921	300	45	are	be	AUX
aijssr-1921	300	46	compelled	compel	VERB
aijssr-1921	300	47	to	to	PART
aijssr-1921	300	48	provide	provide	VERB
aijssr-1921	300	49	a	a	DET
aijssr-1921	300	50	financial	financial	ADJ
aijssr-1921	300	51	commitment	commitment	NOUN
aijssr-1921	300	52	.	.	PUNCT
aijssr-1921	301	1	contributions	contribution	NOUN
aijssr-1921	301	2	can	can	AUX
aijssr-1921	301	3	be	be	AUX
aijssr-1921	301	4	made	make	VERB
aijssr-1921	301	5	in	in	ADP
aijssr-1921	301	6	cash	cash	NOUN
aijssr-1921	301	7	or	or	CCONJ
aijssr-1921	301	8	other	other	ADJ
aijssr-1921	301	9	assets	asset	NOUN
aijssr-1921	301	10	used	use	VERB
aijssr-1921	301	11	in	in	ADP
aijssr-1921	301	12	running	run	VERB
aijssr-1921	301	13	the	the	DET
aijssr-1921	301	14	business	business	NOUN
aijssr-1921	301	15	or	or	CCONJ
aijssr-1921	301	16	later	later	ADV
aijssr-1921	301	17	sold	sell	VERB
aijssr-1921	301	18	for	for	ADP
aijssr-1921	301	19	a	a	DET
aijssr-1921	301	20	profit	profit	NOUN
aijssr-1921	301	21	.	.	PUNCT
aijssr-1921	302	1	intangible	intangible	ADJ
aijssr-1921	302	2	assets	asset	NOUN
aijssr-1921	302	3	that	that	PRON
aijssr-1921	302	4	may	may	AUX
aijssr-1921	302	5	be	be	AUX
aijssr-1921	302	6	monetized	monetize	VERB
aijssr-1921	302	7	are	be	AUX
aijssr-1921	302	8	still	still	ADV
aijssr-1921	302	9	another	another	DET
aijssr-1921	302	10	avenue	avenue	NOUN
aijssr-1921	302	11	for	for	ADP
aijssr-1921	302	12	contribution	contribution	NOUN
aijssr-1921	302	13	.	.	PUNCT
aijssr-1921	303	1	a	a	DET
aijssr-1921	303	2	piece	piece	NOUN
aijssr-1921	303	3	of	of	ADP
aijssr-1921	303	4	land	land	NOUN
aijssr-1921	303	5	is	be	AUX
aijssr-1921	303	6	one	one	NUM
aijssr-1921	303	7	example	example	NOUN
aijssr-1921	303	8	of	of	ADP
aijssr-1921	303	9	such	such	DET
aijssr-1921	303	10	an	an	DET
aijssr-1921	303	11	asset	asset	NOUN
aijssr-1921	303	12	.	.	PUNCT
aijssr-1921	304	1	first	first	ADV
aijssr-1921	304	2	,	,	PUNCT
aijssr-1921	304	3	the	the	DET
aijssr-1921	304	4	islamic	islamic	PROPN
aijssr-1921	304	5	bank	bank	PROPN
aijssr-1921	304	6	and	and	CCONJ
aijssr-1921	304	7	the	the	DET
aijssr-1921	304	8	customer	customer	NOUN
aijssr-1921	304	9	engage	engage	VERB
aijssr-1921	304	10	in	in	ADP
aijssr-1921	304	11	a	a	DET
aijssr-1921	304	12	cooperation	cooperation	NOUN
aijssr-1921	304	13	agreement	agreement	NOUN
aijssr-1921	304	14	.	.	PUNCT
aijssr-1921	305	1	then	then	ADV
aijssr-1921	305	2	the	the	DET
aijssr-1921	305	3	islamic	islamic	PROPN
aijssr-1921	305	4	bank	bank	PROPN
aijssr-1921	305	5	uses	use	VERB
aijssr-1921	305	6	a	a	DET
aijssr-1921	305	7	wakalah	wakalah	NOUN
aijssr-1921	305	8	to	to	PART
aijssr-1921	305	9	provide	provide	VERB
aijssr-1921	305	10	agency	agency	NOUN
aijssr-1921	305	11	to	to	ADP
aijssr-1921	305	12	the	the	DET
aijssr-1921	305	13	consumer	consumer	NOUN
aijssr-1921	305	14	in	in	ADP
aijssr-1921	305	15	the	the	DET
aijssr-1921	305	16	suggested	suggest	VERB
aijssr-1921	305	17	mushrika	mushrika	PROPN
aijssr-1921	305	18	mutanisa	mutanisa	PROPN
aijssr-1921	305	19	credit	credit	NOUN
aijssr-1921	305	20	card	card	NOUN
aijssr-1921	305	21	scenario	scenario	NOUN
aijssr-1921	305	22	.	.	PUNCT
aijssr-1921	306	1	this	this	PRON
aijssr-1921	306	2	would	would	AUX
aijssr-1921	306	3	initiate	initiate	VERB
aijssr-1921	306	4	the	the	DET
aijssr-1921	306	5	procedure	procedure	NOUN
aijssr-1921	306	6	.	.	PUNCT
aijssr-1921	307	1	unlike	unlike	ADP
aijssr-1921	307	2	conventional	conventional	ADJ
aijssr-1921	307	3	credit	credit	NOUN
aijssr-1921	307	4	card	card	NOUN
aijssr-1921	307	5	accounts	account	NOUN
aijssr-1921	307	6	,	,	PUNCT
aijssr-1921	307	7	the	the	DET
aijssr-1921	307	8	capital	capital	NOUN
aijssr-1921	307	9	for	for	ADP
aijssr-1921	307	10	an	an	DET
aijssr-1921	307	11	islamic	islamic	ADJ
aijssr-1921	307	12	credit	credit	NOUN
aijssr-1921	307	13	card	card	NOUN
aijssr-1921	307	14	account	account	NOUN
aijssr-1921	307	15	is	be	AUX
aijssr-1921	307	16	funded	fund	VERB
aijssr-1921	307	17	by	by	ADP
aijssr-1921	307	18	the	the	DET
aijssr-1921	307	19	cardholder	cardholder	NOUN
aijssr-1921	307	20	and	and	CCONJ
aijssr-1921	307	21	the	the	DET
aijssr-1921	307	22	islamic	islamic	ADJ
aijssr-1921	307	23	financial	financial	ADJ
aijssr-1921	307	24	institution	institution	NOUN
aijssr-1921	307	25	.	.	PUNCT
aijssr-1921	308	1	when	when	SCONJ
aijssr-1921	308	2	customers	customer	NOUN
aijssr-1921	308	3	buy	buy	VERB
aijssr-1921	308	4	an	an	DET
aijssr-1921	308	5	asset	asset	NOUN
aijssr-1921	308	6	for	for	ADP
aijssr-1921	308	7	themselves	themselves	PRON
aijssr-1921	308	8	(	(	PUNCT
aijssr-1921	308	9	and	and	CCONJ
aijssr-1921	308	10	the	the	DET
aijssr-1921	308	11	islamic	islamic	PROPN
aijssr-1921	308	12	bank	bank	PROPN
aijssr-1921	308	13	)	)	PUNCT
aijssr-1921	308	14	,	,	PUNCT
aijssr-1921	308	15	they	they	PRON
aijssr-1921	308	16	commit	commit	VERB
aijssr-1921	308	17	to	to	ADP
aijssr-1921	308	18	buying	buy	VERB
aijssr-1921	308	19	more	more	ADJ
aijssr-1921	308	20	of	of	ADP
aijssr-1921	308	21	the	the	DET
aijssr-1921	308	22	bank	bank	NOUN
aijssr-1921	308	23	's	's	PART
aijssr-1921	308	24	shares	share	NOUN
aijssr-1921	308	25	in	in	ADP
aijssr-1921	308	26	the	the	DET
aijssr-1921	308	27	future	future	NOUN
aijssr-1921	308	28	according	accord	VERB
aijssr-1921	308	29	to	to	ADP
aijssr-1921	308	30	a	a	DET
aijssr-1921	308	31	prearranged	prearranged	ADJ
aijssr-1921	308	32	schedule	schedule	NOUN
aijssr-1921	308	33	of	of	ADP
aijssr-1921	308	34	payments	payment	NOUN
aijssr-1921	308	35	.	.	PUNCT
aijssr-1921	309	1	the	the	DET
aijssr-1921	309	2	customer	customer	NOUN
aijssr-1921	309	3	's	's	PART
aijssr-1921	309	4	shares	share	NOUN
aijssr-1921	309	5	in	in	ADP
aijssr-1921	309	6	the	the	DET
aijssr-1921	309	7	islamic	islamic	PROPN
aijssr-1921	309	8	bank	bank	PROPN
aijssr-1921	309	9	will	will	AUX
aijssr-1921	309	10	be	be	AUX
aijssr-1921	309	11	gradually	gradually	ADV
aijssr-1921	309	12	transferred	transfer	VERB
aijssr-1921	309	13	to	to	ADP
aijssr-1921	309	14	them	they	PRON
aijssr-1921	309	15	after	after	ADP
aijssr-1921	309	16	the	the	DET
aijssr-1921	309	17	completion	completion	NOUN
aijssr-1921	309	18	of	of	ADP
aijssr-1921	309	19	each	each	DET
aijssr-1921	309	20	periodic	periodic	ADJ
aijssr-1921	309	21	payment	payment	NOUN
aijssr-1921	309	22	.	.	PUNCT
aijssr-1921	310	1	in	in	ADP
aijssr-1921	310	2	the	the	DET
aijssr-1921	310	3	case	case	NOUN
aijssr-1921	310	4	of	of	ADP
aijssr-1921	310	5	both	both	DET
aijssr-1921	310	6	profits	profit	NOUN
aijssr-1921	310	7	and	and	CCONJ
aijssr-1921	310	8	losses	loss	NOUN
aijssr-1921	310	9	,	,	PUNCT
aijssr-1921	310	10	the	the	DET
aijssr-1921	310	11	former	former	ADJ
aijssr-1921	310	12	will	will	AUX
aijssr-1921	310	13	be	be	AUX
aijssr-1921	310	14	distributed	distribute	VERB
aijssr-1921	310	15	to	to	ADP
aijssr-1921	310	16	the	the	DET
aijssr-1921	310	17	partners	partner	NOUN
aijssr-1921	310	18	at	at	ADP
aijssr-1921	310	19	a	a	DET
aijssr-1921	310	20	specified	specified	ADJ
aijssr-1921	310	21	ratio	ratio	NOUN
aijssr-1921	310	22	.	.	PUNCT
aijssr-1921	311	1	at	at	ADP
aijssr-1921	311	2	the	the	DET
aijssr-1921	311	3	same	same	ADJ
aijssr-1921	311	4	time	time	NOUN
aijssr-1921	311	5	,	,	PUNCT
aijssr-1921	311	6	the	the	DET
aijssr-1921	311	7	latter	latter	ADJ
aijssr-1921	311	8	will	will	AUX
aijssr-1921	311	9	be	be	AUX
aijssr-1921	311	10	allocated	allocate	VERB
aijssr-1921	311	11	to	to	ADP
aijssr-1921	311	12	and	and	CCONJ
aijssr-1921	311	13	borne	bear	VERB
aijssr-1921	311	14	by	by	ADP
aijssr-1921	311	15	each	each	DET
aijssr-1921	311	16	partner	partner	NOUN
aijssr-1921	311	17	by	by	ADP
aijssr-1921	311	18	the	the	DET
aijssr-1921	311	19	amount	amount	NOUN
aijssr-1921	311	20	of	of	ADP
aijssr-1921	311	21	money	money	NOUN
aijssr-1921	311	22	they	they	PRON
aijssr-1921	311	23	initially	initially	ADV
aijssr-1921	311	24	invested	invest	VERB
aijssr-1921	311	25	.	.	PUNCT
aijssr-1921	312	1	aaoifi	aaoifi	PROPN
aijssr-1921	312	2	further	further	ADJ
aijssr-1921	312	3	mandates	mandate	NOUN
aijssr-1921	312	4	that	that	PRON
aijssr-1921	312	5	account	account	VERB
aijssr-1921	312	6	holders	holder	NOUN
aijssr-1921	312	7	and	and	CCONJ
aijssr-1921	312	8	issuers	issuer	NOUN
aijssr-1921	312	9	pay	pay	VERB
aijssr-1921	312	10	all	all	DET
aijssr-1921	312	11	fees	fee	NOUN
aijssr-1921	312	12	associated	associate	VERB
aijssr-1921	312	13	with	with	ADP
aijssr-1921	312	14	managing	manage	VERB
aijssr-1921	312	15	an	an	DET
aijssr-1921	312	16	islamic	islamic	ADJ
aijssr-1921	312	17	credit	credit	NOUN
aijssr-1921	312	18	card	card	NOUN
aijssr-1921	312	19	account	account	NOUN
aijssr-1921	312	20	.	.	PUNCT
aijssr-1921	313	1	because	because	SCONJ
aijssr-1921	313	2	an	an	DET
aijssr-1921	313	3	islamic	islamic	ADJ
aijssr-1921	313	4	credit	credit	NOUN
aijssr-1921	313	5	card	card	NOUN
aijssr-1921	313	6	account	account	NOUN
aijssr-1921	313	7	is	be	AUX
aijssr-1921	313	8	a	a	DET
aijssr-1921	313	9	joint	joint	ADJ
aijssr-1921	313	10	account	account	NOUN
aijssr-1921	313	11	,	,	PUNCT
aijssr-1921	313	12	this	this	PRON
aijssr-1921	313	13	is	be	AUX
aijssr-1921	313	14	the	the	DET
aijssr-1921	313	15	case	case	NOUN
aijssr-1921	313	16	.	.	PUNCT
aijssr-1921	314	1	payment	payment	NOUN
aijssr-1921	314	2	for	for	ADP
aijssr-1921	314	3	these	these	DET
aijssr-1921	314	4	charges	charge	NOUN
aijssr-1921	314	5	can	can	AUX
aijssr-1921	314	6	be	be	AUX
aijssr-1921	314	7	made	make	VERB
aijssr-1921	314	8	instantly	instantly	ADV
aijssr-1921	314	9	from	from	ADP
aijssr-1921	314	10	the	the	DET
aijssr-1921	314	11	islamic	islamic	ADJ
aijssr-1921	314	12	credit	credit	NOUN
aijssr-1921	314	13	card	card	NOUN
aijssr-1921	314	14	's	's	PART
aijssr-1921	314	15	linked	link	VERB
aijssr-1921	314	16	bank	bank	NOUN
aijssr-1921	314	17	account	account	NOUN
aijssr-1921	314	18	.	.	PUNCT
aijssr-1921	315	1	it	it	PRON
aijssr-1921	315	2	is	be	AUX
aijssr-1921	315	3	possible	possible	ADJ
aijssr-1921	315	4	to	to	PART
aijssr-1921	315	5	avoid	avoid	VERB
aijssr-1921	315	6	interest	interest	NOUN
aijssr-1921	315	7	costs	cost	NOUN
aijssr-1921	315	8	by	by	ADP
aijssr-1921	315	9	making	make	VERB
aijssr-1921	315	10	timely	timely	ADJ
aijssr-1921	315	11	payments	payment	NOUN
aijssr-1921	315	12	.	.	PUNCT
aijssr-1921	316	1	however	however	ADV
aijssr-1921	316	2	,	,	PUNCT
aijssr-1921	316	3	credit	credit	NOUN
aijssr-1921	316	4	cards	card	NOUN
aijssr-1921	316	5	that	that	PRON
aijssr-1921	316	6	require	require	VERB
aijssr-1921	316	7	full	full	ADJ
aijssr-1921	316	8	payment	payment	NOUN
aijssr-1921	316	9	after	after	SCONJ
aijssr-1921	316	10	the	the	DET
aijssr-1921	316	11	grace	grace	NOUN
aijssr-1921	316	12	period	period	NOUN
aijssr-1921	316	13	have	have	AUX
aijssr-1921	316	14	been	be	AUX
aijssr-1921	316	15	criticised	criticise	VERB
aijssr-1921	316	16	by	by	ADP
aijssr-1921	316	17	many	many	ADJ
aijssr-1921	316	18	who	who	PRON
aijssr-1921	316	19	say	say	VERB
aijssr-1921	316	20	that	that	SCONJ
aijssr-1921	316	21	a	a	DET
aijssr-1921	316	22	contract	contract	NOUN
aijssr-1921	316	23	of	of	ADP
aijssr-1921	316	24	this	this	DET
aijssr-1921	316	25	sort	sort	NOUN
aijssr-1921	316	26	is	be	AUX
aijssr-1921	316	27	not	not	PART
aijssr-1921	316	28	legal	legal	ADJ
aijssr-1921	316	29	.	.	PUNCT
aijssr-1921	317	1	these	these	DET
aijssr-1921	317	2	people	people	NOUN
aijssr-1921	317	3	argue	argue	VERB
aijssr-1921	317	4	that	that	SCONJ
aijssr-1921	317	5	the	the	DET
aijssr-1921	317	6	contract	contract	NOUN
aijssr-1921	317	7	is	be	AUX
aijssr-1921	317	8	illegal	illegal	ADJ
aijssr-1921	317	9	because	because	SCONJ
aijssr-1921	317	10	it	it	PRON
aijssr-1921	317	11	does	do	AUX
aijssr-1921	317	12	not	not	PART
aijssr-1921	317	13	comply	comply	VERB
aijssr-1921	317	14	with	with	ADP
aijssr-1921	317	15	consumer	consumer	NOUN
aijssr-1921	317	16	protection	protection	NOUN
aijssr-1921	317	17	regulations	regulation	NOUN
aijssr-1921	317	18	.	.	PUNCT
aijssr-1921	318	1	some	some	DET
aijssr-1921	318	2	muslims	muslims	PROPN
aijssr-1921	318	3	view	view	VERB
aijssr-1921	318	4	entering	enter	VERB
aijssr-1921	318	5	into	into	ADP
aijssr-1921	318	6	such	such	DET
aijssr-1921	318	7	a	a	DET
aijssr-1921	318	8	contract	contract	NOUN
aijssr-1921	318	9	as	as	ADP
aijssr-1921	318	10	a	a	DET
aijssr-1921	318	11	promise	promise	NOUN
aijssr-1921	318	12	to	to	PART
aijssr-1921	318	13	engage	engage	VERB
aijssr-1921	318	14	in	in	ADP
aijssr-1921	318	15	behaviour	behaviour	NOUN
aijssr-1921	318	16	forbidden	forbid	VERB
aijssr-1921	318	17	by	by	ADP
aijssr-1921	318	18	islam	islam	PROPN
aijssr-1921	318	19	,	,	PUNCT
aijssr-1921	318	20	even	even	ADV
aijssr-1921	318	21	if	if	SCONJ
aijssr-1921	318	22	the	the	DET
aijssr-1921	318	23	debt	debt	NOUN
aijssr-1921	318	24	is	be	AUX
aijssr-1921	318	25	paid	pay	VERB
aijssr-1921	318	26	in	in	ADP
aijssr-1921	318	27	full	full	ADJ
aijssr-1921	318	28	and	and	CCONJ
aijssr-1921	318	29	on	on	ADP
aijssr-1921	318	30	time	time	NOUN
aijssr-1921	318	31	.	.	PUNCT
aijssr-1921	319	1	why	why	SCONJ
aijssr-1921	319	2	?	?	PUNCT
aijssr-1921	320	1	because	because	SCONJ
aijssr-1921	320	2	participating	participate	VERB
aijssr-1921	320	3	in	in	ADP
aijssr-1921	320	4	it	it	PRON
aijssr-1921	320	5	is	be	AUX
aijssr-1921	320	6	seen	see	VERB
aijssr-1921	320	7	as	as	ADP
aijssr-1921	320	8	a	a	DET
aijssr-1921	320	9	public	public	ADJ
aijssr-1921	320	10	declaration	declaration	NOUN
aijssr-1921	320	11	of	of	ADP
aijssr-1921	320	12	intent	intent	NOUN
aijssr-1921	320	13	to	to	PART
aijssr-1921	320	14	engage	engage	VERB
aijssr-1921	320	15	in	in	ADP
aijssr-1921	320	16	behaviour	behaviour	NOUN
aijssr-1921	320	17	islam	islam	PROPN
aijssr-1921	320	18	forbids	forbid	VERB
aijssr-1921	320	19	.	.	PUNCT
aijssr-1921	321	1	they	they	PRON
aijssr-1921	321	2	have	have	VERB
aijssr-1921	321	3	this	this	DET
aijssr-1921	321	4	opinion	opinion	NOUN
aijssr-1921	321	5	because	because	SCONJ
aijssr-1921	321	6	they	they	PRON
aijssr-1921	321	7	believe	believe	VERB
aijssr-1921	321	8	that	that	SCONJ
aijssr-1921	321	9	by	by	ADP
aijssr-1921	321	10	joining	join	VERB
aijssr-1921	321	11	the	the	DET
aijssr-1921	321	12	group	group	NOUN
aijssr-1921	321	13	,	,	PUNCT
aijssr-1921	321	14	one	one	PRON
aijssr-1921	321	15	is	be	AUX
aijssr-1921	321	16	promising	promise	VERB
aijssr-1921	321	17	to	to	PART
aijssr-1921	321	18	engage	engage	VERB
aijssr-1921	321	19	in	in	ADP
aijssr-1921	321	20	activities	activity	NOUN
aijssr-1921	321	21	explicitly	explicitly	ADV
aijssr-1921	321	22	banned	ban	VERB
aijssr-1921	321	23	by	by	ADP
aijssr-1921	321	24	islam	islam	PROPN
aijssr-1921	321	25	.	.	PUNCT
aijssr-1921	322	1	because	because	SCONJ
aijssr-1921	322	2	they	they	PRON
aijssr-1921	322	3	see	see	VERB
aijssr-1921	322	4	participation	participation	NOUN
aijssr-1921	322	5	as	as	ADP
aijssr-1921	322	6	an	an	DET
aijssr-1921	322	7	agreement	agreement	NOUN
aijssr-1921	322	8	to	to	PART
aijssr-1921	322	9	engage	engage	VERB
aijssr-1921	322	10	in	in	ADP
aijssr-1921	322	11	ways	way	NOUN
aijssr-1921	322	12	that	that	PRON
aijssr-1921	322	13	go	go	VERB
aijssr-1921	322	14	against	against	ADP
aijssr-1921	322	15	islamic	islamic	ADJ
aijssr-1921	322	16	principles	principle	NOUN
aijssr-1921	322	17	,	,	PUNCT
aijssr-1921	322	18	they	they	PRON
aijssr-1921	322	19	condemn	condemn	VERB
aijssr-1921	322	20	it	it	PRON
aijssr-1921	322	21	.	.	PUNCT
aijssr-1921	323	1	those	those	PRON
aijssr-1921	323	2	who	who	PRON
aijssr-1921	323	3	hold	hold	VERB
aijssr-1921	323	4	this	this	DET
aijssr-1921	323	5	view	view	NOUN
aijssr-1921	323	6	are	be	AUX
aijssr-1921	323	7	committing	commit	VERB
aijssr-1921	323	8	themselves	themselves	PRON
aijssr-1921	323	9	to	to	PART
aijssr-1921	323	10	act	act	VERB
aijssr-1921	323	11	in	in	ADP
aijssr-1921	323	12	a	a	DET
aijssr-1921	323	13	way	way	NOUN
aijssr-1921	323	14	that	that	PRON
aijssr-1921	323	15	is	be	AUX
aijssr-1921	323	16	contrary	contrary	ADJ
aijssr-1921	323	17	to	to	ADP
aijssr-1921	323	18	islamic	islamic	PROPN
aijssr-1921	323	19	beliefs	belief	NOUN
aijssr-1921	323	20	,	,	PUNCT
aijssr-1921	323	21	but	but	CCONJ
aijssr-1921	323	22	they	they	PRON
aijssr-1921	323	23	nonetheless	nonetheless	ADV
aijssr-1921	323	24	have	have	VERB
aijssr-1921	323	25	widespread	widespread	ADJ
aijssr-1921	323	26	support	support	NOUN
aijssr-1921	323	27	.	.	PUNCT
aijssr-1921	324	1	since	since	SCONJ
aijssr-1921	324	2	riba	riba	PROPN
aijssr-1921	324	3	is	be	AUX
aijssr-1921	324	4	forbidden	forbid	VERB
aijssr-1921	324	5	in	in	ADP
aijssr-1921	324	6	islam	islam	PROPN
aijssr-1921	324	7	,	,	PUNCT
aijssr-1921	324	8	muslims	muslims	PROPN
aijssr-1921	324	9	may	may	AUX
aijssr-1921	324	10	not	not	PART
aijssr-1921	324	11	be	be	AUX
aijssr-1921	324	12	allowed	allow	VERB
aijssr-1921	324	13	to	to	PART
aijssr-1921	324	14	have	have	VERB
aijssr-1921	324	15	some	some	DET
aijssr-1921	324	16	types	type	NOUN
aijssr-1921	324	17	of	of	ADP
aijssr-1921	324	18	credit	credit	NOUN
aijssr-1921	324	19	cards	card	NOUN
aijssr-1921	324	20	,	,	PUNCT
aijssr-1921	324	21	such	such	ADJ
aijssr-1921	324	22	chowdhury	chowdhury	PROPN
aijssr-1921	324	23	et	et	PROPN
aijssr-1921	324	24	al	al	PROPN
aijssr-1921	324	25	.	.	PROPN
aijssr-1921	324	26	,	,	PUNCT
aijssr-1921	324	27	american	american	PROPN
aijssr-1921	324	28	international	international	PROPN
aijssr-1921	324	29	journal	journal	PROPN
aijssr-1921	324	30	of	of	ADP
aijssr-1921	324	31	social	social	ADJ
aijssr-1921	324	32	science	science	NOUN
aijssr-1921	324	33	research	research	NOUN
aijssr-1921	324	34	14(1	14(1	NUM
aijssr-1921	324	35	)	)	PUNCT
aijssr-1921	324	36	(	(	PUNCT
aijssr-1921	324	37	2023	2023	NUM
aijssr-1921	324	38	)	)	PUNCT
aijssr-1921	324	39	,	,	PUNCT
aijssr-1921	324	40	1	1	NUM
aijssr-1921	324	41	-	-	SYM
aijssr-1921	324	42	8	8	NUM
aijssr-1921	324	43	7	7	NUM
aijssr-1921	324	44	as	as	ADP
aijssr-1921	324	45	those	those	PRON
aijssr-1921	324	46	that	that	PRON
aijssr-1921	324	47	levy	levy	VERB
aijssr-1921	324	48	extra	extra	ADJ
aijssr-1921	324	49	costs	cost	NOUN
aijssr-1921	324	50	for	for	ADP
aijssr-1921	324	51	cash	cash	NOUN
aijssr-1921	324	52	withdrawals	withdrawal	NOUN
aijssr-1921	324	53	(	(	PUNCT
aijssr-1921	324	54	also	also	ADV
aijssr-1921	324	55	known	know	VERB
aijssr-1921	324	56	as	as	ADP
aijssr-1921	324	57	wakalah	wakalah	ADJ
aijssr-1921	324	58	fees	fee	NOUN
aijssr-1921	324	59	)	)	PUNCT
aijssr-1921	324	60	,	,	PUNCT
aijssr-1921	324	61	since	since	SCONJ
aijssr-1921	324	62	they	they	PRON
aijssr-1921	324	63	incorporate	incorporate	VERB
aijssr-1921	324	64	the	the	DET
aijssr-1921	324	65	element	element	NOUN
aijssr-1921	324	66	of	of	ADP
aijssr-1921	324	67	riba	riba	PROPN
aijssr-1921	324	68	.	.	PUNCT
aijssr-1921	325	1	to	to	PART
aijssr-1921	325	2	rephrase	rephrase	VERB
aijssr-1921	325	3	,	,	PUNCT
aijssr-1921	325	4	a	a	DET
aijssr-1921	325	5	buy	buy	VERB
aijssr-1921	325	6	-	-	PUNCT
aijssr-1921	325	7	and	and	CCONJ
aijssr-1921	325	8	-	-	PUNCT
aijssr-1921	325	9	sell	sell	NOUN
aijssr-1921	325	10	mechanism	mechanism	NOUN
aijssr-1921	325	11	does	do	AUX
aijssr-1921	325	12	not	not	PART
aijssr-1921	325	13	meaningfully	meaningfully	ADV
aijssr-1921	325	14	govern	govern	VERB
aijssr-1921	325	15	the	the	DET
aijssr-1921	325	16	operation	operation	NOUN
aijssr-1921	325	17	of	of	ADP
aijssr-1921	325	18	tawarruq	tawarruq	NOUN
aijssr-1921	325	19	-	-	PUNCT
aijssr-1921	325	20	based	base	VERB
aijssr-1921	325	21	cards	card	NOUN
aijssr-1921	325	22	.	.	PUNCT
aijssr-1921	326	1	the	the	DET
aijssr-1921	326	2	asset	asset	NOUN
aijssr-1921	326	3	's	's	PART
aijssr-1921	326	4	hypothetical	hypothetical	ADJ
aijssr-1921	326	5	purchasers	purchaser	NOUN
aijssr-1921	326	6	and	and	CCONJ
aijssr-1921	326	7	sellers	seller	NOUN
aijssr-1921	326	8	both	both	PRON
aijssr-1921	326	9	exist	exist	VERB
aijssr-1921	326	10	only	only	ADV
aijssr-1921	326	11	in	in	ADP
aijssr-1921	326	12	mind	mind	NOUN
aijssr-1921	326	13	.	.	PUNCT
aijssr-1921	327	1	that	that	PRON
aijssr-1921	327	2	is	be	AUX
aijssr-1921	327	3	a	a	DET
aijssr-1921	327	4	false	false	ADJ
aijssr-1921	327	5	dichotomy	dichotomy	NOUN
aijssr-1921	327	6	on	on	ADP
aijssr-1921	327	7	both	both	DET
aijssr-1921	327	8	sides	side	NOUN
aijssr-1921	327	9	.	.	PUNCT
aijssr-1921	328	1	this	this	PRON
aijssr-1921	328	2	allows	allow	VERB
aijssr-1921	328	3	for	for	ADP
aijssr-1921	328	4	legitimate	legitimate	ADJ
aijssr-1921	328	5	business	business	NOUN
aijssr-1921	328	6	transactions	transaction	NOUN
aijssr-1921	328	7	,	,	PUNCT
aijssr-1921	328	8	which	which	PRON
aijssr-1921	328	9	starkly	starkly	ADV
aijssr-1921	328	10	contrasts	contrast	VERB
aijssr-1921	328	11	islamic	islamic	ADJ
aijssr-1921	328	12	teachings	teaching	NOUN
aijssr-1921	328	13	.	.	PUNCT
aijssr-1921	329	1	as	as	ADP
aijssr-1921	329	2	a	a	DET
aijssr-1921	329	3	direct	direct	ADJ
aijssr-1921	329	4	result	result	NOUN
aijssr-1921	329	5	,	,	PUNCT
aijssr-1921	329	6	it	it	PRON
aijssr-1921	329	7	will	will	AUX
aijssr-1921	329	8	be	be	AUX
aijssr-1921	329	9	harmed	harm	VERB
aijssr-1921	329	10	by	by	ADP
aijssr-1921	329	11	this	this	PRON
aijssr-1921	329	12	.	.	PUNCT
aijssr-1921	330	1	scholars	scholar	NOUN
aijssr-1921	330	2	from	from	ADP
aijssr-1921	330	3	all	all	DET
aijssr-1921	330	4	four	four	NUM
aijssr-1921	330	5	schools	school	NOUN
aijssr-1921	330	6	of	of	ADP
aijssr-1921	330	7	fiqhfiqh	fiqhfiqh	NOUN
aijssr-1921	330	8	oppose	oppose	VERB
aijssr-1921	330	9	the	the	DET
aijssr-1921	330	10	ujrah	ujrah	ADJ
aijssr-1921	330	11	paradigm	paradigm	NOUN
aijssr-1921	330	12	because	because	SCONJ
aijssr-1921	330	13	bank	bank	NOUN
aijssr-1921	330	14	fees	fee	NOUN
aijssr-1921	330	15	appear	appear	VERB
aijssr-1921	330	16	to	to	PART
aijssr-1921	330	17	benefit	benefit	VERB
aijssr-1921	330	18	a	a	DET
aijssr-1921	330	19	loan	loan	NOUN
aijssr-1921	330	20	.	.	PUNCT
aijssr-1921	331	1	since	since	SCONJ
aijssr-1921	331	2	riba	riba	PROPN
aijssr-1921	331	3	forbids	forbid	VERB
aijssr-1921	331	4	the	the	DET
aijssr-1921	331	5	lender	lender	NOUN
aijssr-1921	331	6	from	from	ADP
aijssr-1921	331	7	obtaining	obtain	VERB
aijssr-1921	331	8	any	any	DET
aijssr-1921	331	9	advantage	advantage	NOUN
aijssr-1921	331	10	from	from	ADP
aijssr-1921	331	11	the	the	DET
aijssr-1921	331	12	loans	loan	NOUN
aijssr-1921	331	13	,	,	PUNCT
aijssr-1921	331	14	the	the	DET
aijssr-1921	331	15	lender	lender	NOUN
aijssr-1921	331	16	can	can	AUX
aijssr-1921	331	17	not	not	PART
aijssr-1921	331	18	profit	profit	VERB
aijssr-1921	331	19	from	from	ADP
aijssr-1921	331	20	them	they	PRON
aijssr-1921	331	21	.	.	PUNCT
aijssr-1921	332	1	this	this	PRON
aijssr-1921	332	2	is	be	AUX
aijssr-1921	332	3	a	a	DET
aijssr-1921	332	4	significant	significant	ADJ
aijssr-1921	332	5	criticism	criticism	NOUN
aijssr-1921	332	6	leveled	level	VERB
aijssr-1921	332	7	against	against	ADP
aijssr-1921	332	8	the	the	DET
aijssr-1921	332	9	ujrah	ujrah	PROPN
aijssr-1921	332	10	paradigm	paradigm	NOUN
aijssr-1921	332	11	.	.	PUNCT
aijssr-1921	333	1	the	the	DET
aijssr-1921	333	2	mudaraka	mudaraka	PROPN
aijssr-1921	333	3	mutanaqisa	mutanaqisa	NOUN
aijssr-1921	333	4	paradigm	paradigm	NOUN
aijssr-1921	333	5	seems	seem	VERB
aijssr-1921	333	6	more	more	ADJ
aijssr-1921	333	7	by	by	ADP
aijssr-1921	333	8	sharia	sharia	PROPN
aijssr-1921	333	9	law	law	NOUN
aijssr-1921	333	10	based	base	VERB
aijssr-1921	333	11	on	on	ADP
aijssr-1921	333	12	what	what	PRON
aijssr-1921	333	13	has	have	AUX
aijssr-1921	333	14	been	be	AUX
aijssr-1921	333	15	presented	present	VERB
aijssr-1921	333	16	thus	thus	ADV
aijssr-1921	333	17	far	far	ADV
aijssr-1921	333	18	.	.	PUNCT
aijssr-1921	334	1	conclusions	conclusion	NOUN
aijssr-1921	334	2	some	some	DET
aijssr-1921	334	3	people	people	NOUN
aijssr-1921	334	4	believe	believe	VERB
aijssr-1921	334	5	that	that	SCONJ
aijssr-1921	334	6	interest	interest	NOUN
aijssr-1921	334	7	must	must	AUX
aijssr-1921	334	8	be	be	AUX
aijssr-1921	334	9	paid	pay	VERB
aijssr-1921	334	10	on	on	ADP
aijssr-1921	334	11	all	all	DET
aijssr-1921	334	12	balances	balance	NOUN
aijssr-1921	334	13	carried	carry	VERB
aijssr-1921	334	14	over	over	ADP
aijssr-1921	334	15	from	from	ADP
aijssr-1921	334	16	month	month	NOUN
aijssr-1921	334	17	to	to	ADP
aijssr-1921	334	18	month	month	NOUN
aijssr-1921	334	19	when	when	SCONJ
aijssr-1921	334	20	using	use	VERB
aijssr-1921	334	21	a	a	DET
aijssr-1921	334	22	typical	typical	ADJ
aijssr-1921	334	23	credit	credit	NOUN
aijssr-1921	334	24	card	card	NOUN
aijssr-1921	334	25	.	.	PUNCT
aijssr-1921	335	1	some	some	DET
aijssr-1921	335	2	adherents	adherent	NOUN
aijssr-1921	335	3	of	of	ADP
aijssr-1921	335	4	this	this	DET
aijssr-1921	335	5	school	school	NOUN
aijssr-1921	335	6	of	of	ADP
aijssr-1921	335	7	thought	thought	NOUN
aijssr-1921	335	8	argue	argue	VERB
aijssr-1921	335	9	that	that	SCONJ
aijssr-1921	335	10	credit	credit	NOUN
aijssr-1921	335	11	card	card	NOUN
aijssr-1921	335	12	use	use	NOUN
aijssr-1921	335	13	by	by	ADP
aijssr-1921	335	14	customers	customer	NOUN
aijssr-1921	335	15	of	of	ADP
aijssr-1921	335	16	islamic	islamic	ADJ
aijssr-1921	335	17	banks	bank	NOUN
aijssr-1921	335	18	is	be	AUX
aijssr-1921	335	19	permissible	permissible	ADJ
aijssr-1921	335	20	.	.	PUNCT
aijssr-1921	336	1	one	one	NUM
aijssr-1921	336	2	school	school	NOUN
aijssr-1921	336	3	of	of	ADP
aijssr-1921	336	4	thought	thought	NOUN
aijssr-1921	336	5	holds	hold	VERB
aijssr-1921	336	6	that	that	SCONJ
aijssr-1921	336	7	customers	customer	NOUN
aijssr-1921	336	8	of	of	ADP
aijssr-1921	336	9	islamic	islamic	ADJ
aijssr-1921	336	10	banks	bank	NOUN
aijssr-1921	336	11	are	be	AUX
aijssr-1921	336	12	not	not	PART
aijssr-1921	336	13	permitted	permit	VERB
aijssr-1921	336	14	to	to	PART
aijssr-1921	336	15	use	use	VERB
aijssr-1921	336	16	credit	credit	NOUN
aijssr-1921	336	17	cards	card	NOUN
aijssr-1921	336	18	because	because	SCONJ
aijssr-1921	336	19	doing	do	VERB
aijssr-1921	336	20	so	so	ADV
aijssr-1921	336	21	constitutes	constitute	VERB
aijssr-1921	336	22	a	a	DET
aijssr-1921	336	23	form	form	NOUN
aijssr-1921	336	24	of	of	ADP
aijssr-1921	336	25	advance	advance	NOUN
aijssr-1921	336	26	payment	payment	NOUN
aijssr-1921	336	27	subject	subject	NOUN
aijssr-1921	336	28	to	to	ADP
aijssr-1921	336	29	interest	interest	NOUN
aijssr-1921	336	30	.	.	PUNCT
aijssr-1921	337	1	in	in	ADP
aijssr-1921	337	2	light	light	NOUN
aijssr-1921	337	3	of	of	ADP
aijssr-1921	337	4	this	this	DET
aijssr-1921	337	5	understanding	understanding	NOUN
aijssr-1921	337	6	,	,	PUNCT
aijssr-1921	337	7	the	the	DET
aijssr-1921	337	8	islamic	islamic	PROPN
aijssr-1921	337	9	fiqh	fiqh	PROPN
aijssr-1921	337	10	academy	academy	PROPN
aijssr-1921	337	11	of	of	ADP
aijssr-1921	337	12	india	india	PROPN
aijssr-1921	337	13	has	have	AUX
aijssr-1921	337	14	issued	issue	VERB
aijssr-1921	337	15	a	a	DET
aijssr-1921	337	16	fatwa	fatwa	NOUN
aijssr-1921	337	17	declaring	declare	VERB
aijssr-1921	337	18	that	that	SCONJ
aijssr-1921	337	19	possessing	possess	VERB
aijssr-1921	337	20	a	a	DET
aijssr-1921	337	21	credit	credit	NOUN
aijssr-1921	337	22	card	card	NOUN
aijssr-1921	337	23	is	be	AUX
aijssr-1921	337	24	forbidden	forbid	VERB
aijssr-1921	337	25	by	by	ADP
aijssr-1921	337	26	islam	islam	PROPN
aijssr-1921	337	27	.	.	PUNCT
aijssr-1921	338	1	knowledge	knowledge	NOUN
aijssr-1921	338	2	about	about	ADP
aijssr-1921	338	3	shariah	shariah	PROPN
aijssr-1921	338	4	is	be	AUX
aijssr-1921	338	5	necessary	necessary	ADJ
aijssr-1921	338	6	for	for	SCONJ
aijssr-1921	338	7	the	the	DET
aijssr-1921	338	8	study	study	NOUN
aijssr-1921	338	9	to	to	PART
aijssr-1921	338	10	be	be	AUX
aijssr-1921	338	11	explored	explore	VERB
aijssr-1921	338	12	ideally	ideally	ADV
aijssr-1921	338	13	.	.	PUNCT
aijssr-1921	339	1	so	so	ADV
aijssr-1921	339	2	,	,	PUNCT
aijssr-1921	339	3	further	further	ADJ
aijssr-1921	339	4	research	research	NOUN
aijssr-1921	339	5	into	into	ADP
aijssr-1921	339	6	islamic	islamic	ADJ
aijssr-1921	339	7	credit	credit	NOUN
aijssr-1921	339	8	cards	card	NOUN
aijssr-1921	339	9	is	be	AUX
aijssr-1921	339	10	needed	need	VERB
aijssr-1921	339	11	to	to	PART
aijssr-1921	339	12	find	find	VERB
aijssr-1921	339	13	the	the	DET
aijssr-1921	339	14	best	good	ADJ
aijssr-1921	339	15	option	option	NOUN
aijssr-1921	339	16	for	for	ADP
aijssr-1921	339	17	practising	practise	VERB
aijssr-1921	339	18	muslims	muslims	PROPN
aijssr-1921	339	19	.	.	PUNCT
aijssr-1921	340	1	author	author	NOUN
aijssr-1921	340	2	contributions	contribution	NOUN
aijssr-1921	340	3	:	:	PUNCT
aijssr-1921	340	4	conceptualization	conceptualization	NOUN
aijssr-1921	340	5	,	,	PUNCT
aijssr-1921	340	6	m.s.a.c	m.s.a.c	PROPN
aijssr-1921	340	7	.	.	PROPN
aijssr-1921	340	8	,	,	PUNCT
aijssr-1921	340	9	a.m.s	a.m.s	PROPN
aijssr-1921	340	10	..	..	PUNCT
aijssr-1921	340	11	,	,	PUNCT
aijssr-1921	340	12	h.u	h.u	PROPN
aijssr-1921	340	13	.	.	PROPN
aijssr-1921	340	14	,	,	PUNCT
aijssr-1921	340	15	m.s.h	m.s.h	PROPN
aijssr-1921	340	16	.	.	PROPN
aijssr-1921	340	17	and	and	CCONJ
aijssr-1921	340	18	m.a	m.a	PROPN
aijssr-1921	340	19	.	.	PROPN
aijssr-1921	340	20	;	;	PUNCT
aijssr-1921	340	21	methodology	methodology	NOUN
aijssr-1921	340	22	,	,	PUNCT
aijssr-1921	340	23	m.s.a.c	m.s.a.c	PROPN
aijssr-1921	340	24	.	.	PROPN
aijssr-1921	340	25	;	;	PUNCT
aijssr-1921	340	26	software	software	NOUN
aijssr-1921	340	27	,	,	PUNCT
aijssr-1921	340	28	n	n	CCONJ
aijssr-1921	340	29	/	/	SYM
aijssr-1921	340	30	a.	a.	NOUN
aijssr-1921	340	31	;	;	PUNCT
aijssr-1921	340	32	validation	validation	NOUN
aijssr-1921	340	33	,	,	PUNCT
aijssr-1921	340	34	n	n	CCONJ
aijssr-1921	340	35	/	/	SYM
aijssr-1921	340	36	a.	a.	NOUN
aijssr-1921	340	37	;	;	PUNCT
aijssr-1921	340	38	formal	formal	ADJ
aijssr-1921	340	39	analysis	analysis	NOUN
aijssr-1921	340	40	,	,	PUNCT
aijssr-1921	340	41	n	n	CCONJ
aijssr-1921	340	42	/	/	SYM
aijssr-1921	340	43	a.	a.	NOUN
aijssr-1921	340	44	;	;	PUNCT
aijssr-1921	340	45	investigation	investigation	NOUN
aijssr-1921	340	46	,	,	PUNCT
aijssr-1921	340	47	m.s.a.c	m.s.a.c	PROPN
aijssr-1921	340	48	.	.	PROPN
aijssr-1921	340	49	,	,	PUNCT
aijssr-1921	340	50	a.m.s	a.m.s	PROPN
aijssr-1921	340	51	..	..	PUNCT
aijssr-1921	340	52	,	,	PUNCT
aijssr-1921	340	53	h.u	h.u	PROPN
aijssr-1921	340	54	.	.	PROPN
aijssr-1921	340	55	,	,	PUNCT
aijssr-1921	340	56	m.s.h	m.s.h	PROPN
aijssr-1921	340	57	.	.	PROPN
aijssr-1921	340	58	and	and	CCONJ
aijssr-1921	340	59	m.a	m.a	PROPN
aijssr-1921	340	60	.	.	PROPN
aijssr-1921	340	61	;	;	PUNCT
aijssr-1921	341	1	resources	resource	NOUN
aijssr-1921	341	2	,	,	PUNCT
aijssr-1921	341	3	m.s.a.c	m.s.a.c	PROPN
aijssr-1921	341	4	.	.	PROPN
aijssr-1921	341	5	,	,	PUNCT
aijssr-1921	341	6	a.m.s	a.m.s	PROPN
aijssr-1921	341	7	..	..	PUNCT
aijssr-1921	341	8	,	,	PUNCT
aijssr-1921	341	9	h.u	h.u	PROPN
aijssr-1921	341	10	.	.	PROPN
aijssr-1921	341	11	,	,	PUNCT
aijssr-1921	341	12	m.s.h	m.s.h	PROPN
aijssr-1921	341	13	.	.	PROPN
aijssr-1921	341	14	and	and	CCONJ
aijssr-1921	341	15	m.a	m.a	PROPN
aijssr-1921	341	16	.	.	PROPN
aijssr-1921	341	17	;	;	PUNCT
aijssr-1921	341	18	data	datum	NOUN
aijssr-1921	341	19	curation	curation	NOUN
aijssr-1921	341	20	,	,	PUNCT
aijssr-1921	341	21	n	n	CCONJ
aijssr-1921	341	22	/	/	SYM
aijssr-1921	341	23	a.	a.	NOUN
aijssr-1921	341	24	;	;	PUNCT
aijssr-1921	341	25	writing	write	VERB
aijssr-1921	341	26	–	–	PUNCT
aijssr-1921	341	27	original	original	ADJ
aijssr-1921	341	28	draft	draft	NOUN
aijssr-1921	341	29	preparation	preparation	NOUN
aijssr-1921	341	30	,	,	PUNCT
aijssr-1921	341	31	m.s.a.c	m.s.a.c	PROPN
aijssr-1921	341	32	.	.	PROPN
aijssr-1921	341	33	,	,	PUNCT
aijssr-1921	341	34	a.m.s	a.m.s	PROPN
aijssr-1921	341	35	..	..	PUNCT
aijssr-1921	341	36	,	,	PUNCT
aijssr-1921	341	37	h.u	h.u	PROPN
aijssr-1921	341	38	.	.	PROPN
aijssr-1921	341	39	,	,	PUNCT
aijssr-1921	341	40	m.s.h	m.s.h	PROPN
aijssr-1921	341	41	.	.	PROPN
aijssr-1921	341	42	and	and	CCONJ
aijssr-1921	341	43	m.a	m.a	PROPN
aijssr-1921	341	44	.	.	PROPN
aijssr-1921	341	45	;	;	PUNCT
aijssr-1921	341	46	writing	write	VERB
aijssr-1921	341	47	–	–	PUNCT
aijssr-1921	341	48	review	review	NOUN
aijssr-1921	341	49	&	&	CCONJ
aijssr-1921	341	50	editing	editing	NOUN
aijssr-1921	341	51	,	,	PUNCT
aijssr-1921	341	52	m.s.a.c	m.s.a.c	PROPN
aijssr-1921	341	53	.	.	PROPN
aijssr-1921	341	54	and	and	CCONJ
aijssr-1921	341	55	m.s.h	m.s.h	NOUN
aijssr-1921	341	56	.	.	PROPN
aijssr-1921	341	57	;	;	PUNCT
aijssr-1921	341	58	visualization	visualization	NOUN
aijssr-1921	341	59	,	,	PUNCT
aijssr-1921	341	60	c.k	c.k	PROPN
aijssr-1921	341	61	.	.	PROPN
aijssr-1921	341	62	;	;	PUNCT
aijssr-1921	341	63	supervision	supervision	NOUN
aijssr-1921	341	64	,	,	PUNCT
aijssr-1921	341	65	m.s.a.c	m.s.a.c	PROPN
aijssr-1921	341	66	.	.	PROPN
aijssr-1921	341	67	;	;	PUNCT
aijssr-1921	341	68	project	project	NOUN
aijssr-1921	341	69	administration	administration	NOUN
aijssr-1921	341	70	,	,	PUNCT
aijssr-1921	341	71	m.s.a.c	m.s.a.c	PROPN
aijssr-1921	341	72	.	.	PROPN
aijssr-1921	341	73	;	;	PUNCT
aijssr-1921	341	74	funding	funding	NOUN
aijssr-1921	341	75	acquisition	acquisition	NOUN
aijssr-1921	341	76	,	,	PUNCT
aijssr-1921	341	77	m.s.a.c	m.s.a.c	PROPN
aijssr-1921	341	78	.	.	PROPN
aijssr-1921	341	79	,	,	PUNCT
aijssr-1921	341	80	a.m.s	a.m.s	PROPN
aijssr-1921	341	81	..	..	PUNCT
aijssr-1921	341	82	,	,	PUNCT
aijssr-1921	341	83	h.u	h.u	PROPN
aijssr-1921	341	84	.	.	PROPN
aijssr-1921	341	85	,	,	PUNCT
aijssr-1921	341	86	m.s.h	m.s.h	PROPN
aijssr-1921	341	87	.	.	PROPN
aijssr-1921	341	88	and	and	CCONJ
aijssr-1921	341	89	m.a	m.a	PROPN
aijssr-1921	341	90	.	.	PROPN
aijssr-1921	341	91	authors	author	NOUN
aijssr-1921	341	92	have	have	AUX
aijssr-1921	341	93	read	read	VERB
aijssr-1921	341	94	and	and	CCONJ
aijssr-1921	341	95	agreed	agree	VERB
aijssr-1921	341	96	to	to	ADP
aijssr-1921	341	97	the	the	DET
aijssr-1921	341	98	published	publish	VERB
aijssr-1921	341	99	version	version	NOUN
aijssr-1921	341	100	of	of	ADP
aijssr-1921	341	101	the	the	DET
aijssr-1921	341	102	manuscript	manuscript	NOUN
aijssr-1921	341	103	.	.	PUNCT
aijssr-1921	342	1	institutional	institutional	ADJ
aijssr-1921	342	2	review	review	PROPN
aijssr-1921	342	3	board	board	NOUN
aijssr-1921	342	4	statement	statement	NOUN
aijssr-1921	342	5	:	:	PUNCT
aijssr-1921	342	6	ethical	ethical	ADJ
aijssr-1921	342	7	review	review	NOUN
aijssr-1921	342	8	and	and	CCONJ
aijssr-1921	342	9	approval	approval	NOUN
aijssr-1921	342	10	were	be	AUX
aijssr-1921	342	11	waived	waive	VERB
aijssr-1921	342	12	for	for	ADP
aijssr-1921	342	13	this	this	DET
aijssr-1921	342	14	study	study	NOUN
aijssr-1921	342	15	,	,	PUNCT
aijssr-1921	342	16	due	due	ADP
aijssr-1921	342	17	to	to	ADP
aijssr-1921	342	18	that	that	SCONJ
aijssr-1921	342	19	the	the	DET
aijssr-1921	342	20	research	research	NOUN
aijssr-1921	342	21	does	do	AUX
aijssr-1921	342	22	not	not	PART
aijssr-1921	342	23	deal	deal	VERB
aijssr-1921	342	24	with	with	ADP
aijssr-1921	342	25	vulnerable	vulnerable	ADJ
aijssr-1921	342	26	groups	group	NOUN
aijssr-1921	342	27	or	or	CCONJ
aijssr-1921	342	28	sensitive	sensitive	ADJ
aijssr-1921	342	29	issues	issue	NOUN
aijssr-1921	342	30	.	.	PUNCT
aijssr-1921	343	1	funding	funding	NOUN
aijssr-1921	343	2	:	:	PUNCT
aijssr-1921	343	3	the	the	DET
aijssr-1921	343	4	authors	author	NOUN
aijssr-1921	343	5	received	receive	VERB
aijssr-1921	343	6	no	no	DET
aijssr-1921	343	7	direct	direct	ADJ
aijssr-1921	343	8	funding	funding	NOUN
aijssr-1921	343	9	for	for	ADP
aijssr-1921	343	10	this	this	DET
aijssr-1921	343	11	research	research	NOUN
aijssr-1921	343	12	.	.	PUNCT
aijssr-1921	344	1	acknowledgement	acknowledgement	NOUN
aijssr-1921	344	2	:	:	PUNCT
aijssr-1921	344	3	n	n	CCONJ
aijssr-1921	344	4	/	/	SYM
aijssr-1921	344	5	a.	a.	NOUN
aijssr-1921	344	6	informed	inform	VERB
aijssr-1921	344	7	consent	consent	NOUN
aijssr-1921	344	8	statement	statement	NOUN
aijssr-1921	344	9	:	:	PUNCT
aijssr-1921	344	10	informed	inform	VERB
aijssr-1921	344	11	consent	consent	NOUN
aijssr-1921	344	12	was	be	AUX
aijssr-1921	344	13	obtained	obtain	VERB
aijssr-1921	344	14	from	from	ADP
aijssr-1921	344	15	all	all	DET
aijssr-1921	344	16	subjects	subject	NOUN
aijssr-1921	344	17	involved	involve	VERB
aijssr-1921	344	18	in	in	ADP
aijssr-1921	344	19	the	the	DET
aijssr-1921	344	20	study	study	NOUN
aijssr-1921	344	21	.	.	PUNCT
aijssr-1921	345	1	data	datum	NOUN
aijssr-1921	345	2	availability	availability	NOUN
aijssr-1921	345	3	statement	statement	NOUN
aijssr-1921	345	4	:	:	PUNCT
aijssr-1921	345	5	the	the	DET
aijssr-1921	345	6	data	datum	NOUN
aijssr-1921	345	7	presented	present	VERB
aijssr-1921	345	8	in	in	ADP
aijssr-1921	345	9	this	this	DET
aijssr-1921	345	10	study	study	NOUN
aijssr-1921	345	11	are	be	AUX
aijssr-1921	345	12	available	available	ADJ
aijssr-1921	345	13	on	on	ADP
aijssr-1921	345	14	request	request	NOUN
aijssr-1921	345	15	from	from	ADP
aijssr-1921	345	16	the	the	DET
aijssr-1921	345	17	corresponding	corresponding	ADJ
aijssr-1921	345	18	author	author	NOUN
aijssr-1921	345	19	.	.	PUNCT
aijssr-1921	346	1	the	the	DET
aijssr-1921	346	2	data	datum	NOUN
aijssr-1921	346	3	are	be	AUX
aijssr-1921	346	4	not	not	PART
aijssr-1921	346	5	publicly	publicly	ADV
aijssr-1921	346	6	available	available	ADJ
aijssr-1921	346	7	due	due	ADP
aijssr-1921	346	8	to	to	ADP
aijssr-1921	346	9	restrictions	restriction	NOUN
aijssr-1921	346	10	.	.	PUNCT
aijssr-1921	347	1	conflicts	conflict	NOUN
aijssr-1921	347	2	of	of	ADP
aijssr-1921	347	3	interest	interest	NOUN
aijssr-1921	347	4	:	:	PUNCT
aijssr-1921	347	5	the	the	DET
aijssr-1921	347	6	authors	author	NOUN
aijssr-1921	347	7	declare	declare	VERB
aijssr-1921	347	8	no	no	DET
aijssr-1921	347	9	conflict	conflict	NOUN
aijssr-1921	347	10	of	of	ADP
aijssr-1921	347	11	interest	interest	NOUN
aijssr-1921	347	12	.	.	PUNCT
aijssr-1921	348	1	references	reference	NOUN
aijssr-1921	348	2	alkhan	alkhan	ADV
aijssr-1921	348	3	,	,	PUNCT
aijssr-1921	348	4	a.	a.	NOUN
aijssr-1921	348	5	m.	m.	NOUN
aijssr-1921	348	6	,	,	PUNCT
aijssr-1921	348	7	hassan	hassan	PROPN
aijssr-1921	348	8	,	,	PUNCT
aijssr-1921	348	9	m.	m.	PROPN
aijssr-1921	348	10	k.	k.	PROPN
aijssr-1921	348	11	,	,	PUNCT
aijssr-1921	348	12	&	&	CCONJ
aijssr-1921	348	13	hasan	hasan	PROPN
aijssr-1921	348	14	,	,	PUNCT
aijssr-1921	348	15	r.	r.	PROPN
aijssr-1921	348	16	(	(	PUNCT
aijssr-1921	348	17	2020	2020	NUM
aijssr-1921	348	18	)	)	PUNCT
aijssr-1921	348	19	.	.	PUNCT
aijssr-1921	349	1	conceptualizing	conceptualize	VERB
aijssr-1921	349	2	islamic	islamic	ADJ
aijssr-1921	349	3	credit	credit	NOUN
aijssr-1921	349	4	cards	card	NOUN
aijssr-1921	349	5	based	base	VERB
aijssr-1921	349	6	on	on	ADP
aijssr-1921	349	7	mushāraka	mushāraka	ADJ
aijssr-1921	349	8	mutanāqisa	mutanāqisa	NOUN
aijssr-1921	349	9	.	.	PUNCT
aijssr-1921	350	1	journal	journal	PROPN
aijssr-1921	350	2	of	of	ADP
aijssr-1921	350	3	islamic	islamic	ADJ
aijssr-1921	350	4	monetary	monetary	ADJ
aijssr-1921	350	5	economics	economic	NOUN
aijssr-1921	350	6	and	and	CCONJ
aijssr-1921	350	7	finance	finance	NOUN
aijssr-1921	350	8	,	,	PUNCT
aijssr-1921	350	9	6(4	6(4	NUM
aijssr-1921	350	10	)	)	PUNCT
aijssr-1921	350	11	,	,	PUNCT
aijssr-1921	350	12	747	747	NUM
aijssr-1921	350	13	-	-	SYM
aijssr-1921	350	14	766	766	NUM
aijssr-1921	350	15	.	.	PUNCT
aijssr-1921	351	1	https://doi.org/10.21098/jimf.v6i4.1257	https://doi.org/10.21098/jimf.v6i4.1257	PROPN
aijssr-1921	351	2	amin	amin	PROPN
aijssr-1921	351	3	,	,	PUNCT
aijssr-1921	351	4	h.	h.	PROPN
aijssr-1921	351	5	(	(	PUNCT
aijssr-1921	351	6	2012	2012	NUM
aijssr-1921	351	7	)	)	PUNCT
aijssr-1921	351	8	.	.	PUNCT
aijssr-1921	352	1	patronage	patronage	NOUN
aijssr-1921	352	2	factors	factor	NOUN
aijssr-1921	352	3	of	of	ADP
aijssr-1921	352	4	malaysian	malaysian	ADJ
aijssr-1921	352	5	local	local	ADJ
aijssr-1921	352	6	customers	customer	NOUN
aijssr-1921	352	7	toward	toward	ADP
aijssr-1921	352	8	islamic	islamic	ADJ
aijssr-1921	352	9	credit	credit	NOUN
aijssr-1921	352	10	cards	card	NOUN
aijssr-1921	352	11	.	.	PUNCT
aijssr-1921	353	1	management	management	NOUN
aijssr-1921	353	2	research	research	PROPN
aijssr-1921	353	3	review	review	PROPN
aijssr-1921	353	4	,	,	PUNCT
aijssr-1921	353	5	35(6	35(6	NUM
aijssr-1921	353	6	)	)	PUNCT
aijssr-1921	353	7	,	,	PUNCT
aijssr-1921	353	8	512–530	512–530	NUM
aijssr-1921	353	9	.	.	PUNCT
aijssr-1921	354	1	https://doi.org/10.1108/01409171211238271	https://doi.org/10.1108/01409171211238271	PROPN
aijssr-1921	354	2	dali	dali	PROPN
aijssr-1921	354	3	,	,	PUNCT
aijssr-1921	354	4	n.	n.	PROPN
aijssr-1921	354	5	r.	r.	PROPN
aijssr-1921	354	6	s.	s.	PROPN
aijssr-1921	354	7	m.	m.	PROPN
aijssr-1921	354	8	,	,	PUNCT
aijssr-1921	354	9	&	&	CCONJ
aijssr-1921	354	10	yousafzai	yousafzai	PROPN
aijssr-1921	354	11	,	,	PUNCT
aijssr-1921	354	12	s.	s.	PROPN
aijssr-1921	354	13	(	(	PUNCT
aijssr-1921	354	14	2012	2012	NUM
aijssr-1921	354	15	)	)	PUNCT
aijssr-1921	354	16	.	.	PUNCT
aijssr-1921	355	1	an	an	DET
aijssr-1921	355	2	exploratory	exploratory	ADJ
aijssr-1921	355	3	study	study	NOUN
aijssr-1921	355	4	of	of	ADP
aijssr-1921	355	5	the	the	DET
aijssr-1921	355	6	islamic	islamic	ADJ
aijssr-1921	355	7	credit	credit	NOUN
aijssr-1921	355	8	card	card	NOUN
aijssr-1921	355	9	users	user	NOUN
aijssr-1921	355	10	’	'	PUNCT
aijssr-1921	355	11	satisfaction	satisfaction	NOUN
aijssr-1921	355	12	.	.	PUNCT
aijssr-1921	356	1	unpublished	unpublished	ADJ
aijssr-1921	356	2	research	research	NOUN
aijssr-1921	356	3	article	article	NOUN
aijssr-1921	356	4	,	,	PUNCT
aijssr-1921	356	5	universiti	universiti	PROPN
aijssr-1921	356	6	sains	sain	VERB
aijssr-1921	356	7	islam	islam	PROPN
aijssr-1921	356	8	malaysia	malaysia	PROPN
aijssr-1921	356	9	.	.	PUNCT
aijssr-1921	357	1	retrieved	retrieve	VERB
aijssr-1921	357	2	from	from	ADP
aijssr-1921	357	3	https://oarep.usim.edu.my/jspui/handle/123456789/4865	https://oarep.usim.edu.my/jspui/handle/123456789/4865	PROPN
aijssr-1921	357	4	dali	dali	PROPN
aijssr-1921	357	5	,	,	PUNCT
aijssr-1921	357	6	n.	n.	PROPN
aijssr-1921	357	7	r.	r.	PROPN
aijssr-1921	357	8	s.	s.	PROPN
aijssr-1921	357	9	b.	b.	PROPN
aijssr-1921	357	10	m.	m.	PROPN
aijssr-1921	357	11	,	,	PUNCT
aijssr-1921	357	12	mudasir	mudasir	PROPN
aijssr-1921	357	13	,	,	PUNCT
aijssr-1921	357	14	h.	h.	PROPN
aijssr-1921	357	15	h.	h.	PROPN
aijssr-1921	357	16	,	,	PUNCT
aijssr-1921	357	17	&	&	CCONJ
aijssr-1921	357	18	hamid	hamid	PROPN
aijssr-1921	357	19	,	,	PUNCT
aijssr-1921	357	20	s.	s.	PROPN
aijssr-1921	357	21	a.	a.	PROPN
aijssr-1921	357	22	(	(	PUNCT
aijssr-1921	357	23	2007	2007	NUM
aijssr-1921	357	24	)	)	PUNCT
aijssr-1921	357	25	.	.	PUNCT
aijssr-1921	358	1	factors	factor	NOUN
aijssr-1921	358	2	influencing	influence	VERB
aijssr-1921	358	3	the	the	DET
aijssr-1921	358	4	performance	performance	NOUN
aijssr-1921	358	5	of	of	ADP
aijssr-1921	358	6	shariah	shariah	PROPN
aijssr-1921	358	7	compliance	compliance	NOUN
aijssr-1921	358	8	companies	company	NOUN
aijssr-1921	358	9	.	.	PUNCT
aijssr-1921	359	1	in	in	ADP
aijssr-1921	359	2	proceedings	proceeding	NOUN
aijssr-1921	359	3	of	of	ADP
aijssr-1921	359	4	united	united	PROPN
aijssr-1921	359	5	international	international	PROPN
aijssr-1921	359	6	business	business	PROPN
aijssr-1921	359	7	management	management	NOUN
aijssr-1921	359	8	conference	conference	NOUN
aijssr-1921	359	9	(	(	PUNCT
aijssr-1921	359	10	pp	pp	ADJ
aijssr-1921	359	11	.	.	PUNCT
aijssr-1921	360	1	16	16	NUM
aijssr-1921	360	2	-	-	SYM
aijssr-1921	360	3	18	18	NUM
aijssr-1921	360	4	)	)	PUNCT
aijssr-1921	360	5	.	.	PUNCT
aijssr-1921	361	1	emery	emery	PROPN
aijssr-1921	361	2	,	,	PUNCT
aijssr-1921	361	3	j.	j.	PROPN
aijssr-1921	361	4	c.	c.	PROPN
aijssr-1921	361	5	(	(	PUNCT
aijssr-1921	361	6	1964	1964	NUM
aijssr-1921	361	7	,	,	PUNCT
aijssr-1921	361	8	december	december	PROPN
aijssr-1921	361	9	)	)	PUNCT
aijssr-1921	361	10	.	.	PUNCT
aijssr-1921	362	1	the	the	DET
aijssr-1921	362	2	impact	impact	NOUN
aijssr-1921	362	3	of	of	ADP
aijssr-1921	362	4	information	information	NOUN
aijssr-1921	362	5	technology	technology	NOUN
aijssr-1921	362	6	on	on	ADP
aijssr-1921	362	7	organization	organization	NOUN
aijssr-1921	362	8	.	.	PUNCT
aijssr-1921	363	1	in	in	ADP
aijssr-1921	363	2	academy	academy	PROPN
aijssr-1921	363	3	of	of	ADP
aijssr-1921	363	4	management	management	NOUN
aijssr-1921	363	5	proceedings	proceeding	NOUN
aijssr-1921	363	6	(	(	PUNCT
aijssr-1921	363	7	vol	vol	NOUN
aijssr-1921	363	8	.	.	PROPN
aijssr-1921	363	9	1964	1964	NUM
aijssr-1921	363	10	,	,	PUNCT
aijssr-1921	363	11	no	no	INTJ
aijssr-1921	363	12	.	.	NOUN
aijssr-1921	363	13	1	1	NUM
aijssr-1921	363	14	,	,	PUNCT
aijssr-1921	363	15	pp	pp	ADJ
aijssr-1921	363	16	.	.	PUNCT
aijssr-1921	363	17	69–78	69–78	NUM
aijssr-1921	363	18	)	)	PUNCT
aijssr-1921	363	19	.	.	PUNCT
aijssr-1921	364	1	https://doi.org/10.5465/ambpp.1964.5067822	https://doi.org/10.5465/ambpp.1964.5067822	PROPN
aijssr-1921	364	2	ferdian	ferdian	NOUN
aijssr-1921	364	3	,	,	PUNCT
aijssr-1921	364	4	i.	i.	PROPN
aijssr-1921	364	5	r.	r.	PROPN
aijssr-1921	364	6	,	,	PUNCT
aijssr-1921	364	7	dewi	dewi	PROPN
aijssr-1921	364	8	,	,	PUNCT
aijssr-1921	364	9	m.	m.	PROPN
aijssr-1921	364	10	k.	k.	PROPN
aijssr-1921	364	11	,	,	PUNCT
aijssr-1921	364	12	&	&	CCONJ
aijssr-1921	364	13	rahman	rahman	PROPN
aijssr-1921	364	14	,	,	PUNCT
aijssr-1921	364	15	f.	f.	PROPN
aijssr-1921	364	16	k.	k.	PROPN
aijssr-1921	364	17	(	(	PUNCT
aijssr-1921	364	18	2008	2008	NUM
aijssr-1921	364	19	,	,	PUNCT
aijssr-1921	364	20	august	august	PROPN
aijssr-1921	364	21	)	)	PUNCT
aijssr-1921	364	22	.	.	PUNCT
aijssr-1921	365	1	the	the	DET
aijssr-1921	365	2	practice	practice	NOUN
aijssr-1921	365	3	of	of	ADP
aijssr-1921	365	4	islamic	islamic	ADJ
aijssr-1921	365	5	credit	credit	NOUN
aijssr-1921	365	6	cards	card	NOUN
aijssr-1921	365	7	:	:	PUNCT
aijssr-1921	365	8	a	a	DET
aijssr-1921	365	9	comparative	comparative	ADJ
aijssr-1921	365	10	look	look	NOUN
aijssr-1921	365	11	between	between	ADP
aijssr-1921	365	12	bank	bank	PROPN
aijssr-1921	365	13	danamon	danamon	PROPN
aijssr-1921	365	14	indonesia	indonesia	PROPN
aijssr-1921	365	15	’s	’s	PART
aijssr-1921	365	16	dirham	dirham	PROPN
aijssr-1921	365	17	card	card	NOUN
aijssr-1921	365	18	and	and	CCONJ
aijssr-1921	365	19	bank	bank	PROPN
aijssr-1921	365	20	islam	islam	PROPN
aijssr-1921	365	21	malaysia	malaysia	PROPN
aijssr-1921	365	22	’s	’s	PART
aijssr-1921	365	23	bi	bi	ADJ
aijssr-1921	365	24	card	card	NOUN
aijssr-1921	365	25	.	.	PUNCT
aijssr-1921	366	1	in	in	ADP
aijssr-1921	366	2	iaei	iaei	ADJ
aijssr-1921	366	3	international	international	ADJ
aijssr-1921	366	4	conference	conference	NOUN
aijssr-1921	366	5	(	(	PUNCT
aijssr-1921	366	6	pp	pp	ADJ
aijssr-1921	366	7	.	.	PUNCT
aijssr-1921	367	1	1	1	NUM
aijssr-1921	367	2	-	-	SYM
aijssr-1921	367	3	13	13	NUM
aijssr-1921	367	4	)	)	PUNCT
aijssr-1921	367	5	.	.	PUNCT
aijssr-1921	368	1	https://doi.org/10.4337/9781783476138.00010	https://doi.org/10.4337/9781783476138.00010	PROPN
aijssr-1921	368	2	hossain	hossain	PROPN
aijssr-1921	368	3	,	,	PUNCT
aijssr-1921	368	4	t.	t.	PROPN
aijssr-1921	368	5	,	,	PUNCT
aijssr-1921	368	6	&	&	CCONJ
aijssr-1921	368	7	nesa	nesa	PROPN
aijssr-1921	368	8	,	,	PUNCT
aijssr-1921	368	9	z.	z.	PROPN
aijssr-1921	368	10	(	(	PUNCT
aijssr-1921	368	11	2013	2013	NUM
aijssr-1921	368	12	)	)	PUNCT
aijssr-1921	368	13	.	.	PUNCT
aijssr-1921	369	1	can	can	AUX
aijssr-1921	369	2	charge	charge	VERB
aijssr-1921	369	3	card	card	NOUN
aijssr-1921	369	4	be	be	AUX
aijssr-1921	369	5	a	a	DET
aijssr-1921	369	6	prospective	prospective	ADJ
aijssr-1921	369	7	replacement	replacement	NOUN
aijssr-1921	369	8	of	of	ADP
aijssr-1921	369	9	conventional	conventional	ADJ
aijssr-1921	369	10	and	and	CCONJ
aijssr-1921	369	11	islamic	islamic	ADJ
aijssr-1921	369	12	credit	credit	NOUN
aijssr-1921	369	13	card	card	NOUN
aijssr-1921	369	14	in	in	ADP
aijssr-1921	369	15	bangladesh	bangladesh	PROPN
aijssr-1921	369	16	?	?	PUNCT
aijssr-1921	370	1	journal	journal	PROPN
aijssr-1921	370	2	of	of	ADP
aijssr-1921	370	3	business	business	NOUN
aijssr-1921	370	4	,	,	PUNCT
aijssr-1921	370	5	34(1	34(1	NUM
aijssr-1921	370	6	)	)	PUNCT
aijssr-1921	370	7	,	,	PUNCT
aijssr-1921	370	8	143	143	NUM
aijssr-1921	370	9	-	-	SYM
aijssr-1921	370	10	163	163	NUM
aijssr-1921	370	11	.	.	PUNCT
aijssr-1921	371	1	https://doi.org/14.3329/iiucs.v9i0.24033	https://doi.org/14.3329/iiucs.v9i0.24033	NOUN
aijssr-1921	371	2	kante	kante	NOUN
aijssr-1921	371	3	,	,	PUNCT
aijssr-1921	371	4	a.	a.	PROPN
aijssr-1921	371	5	s.	s.	PROPN
aijssr-1921	371	6	(	(	PUNCT
aijssr-1921	371	7	2005	2005	NUM
aijssr-1921	371	8	)	)	PUNCT
aijssr-1921	371	9	.	.	PUNCT
aijssr-1921	372	1	credit	credit	NOUN
aijssr-1921	372	2	cards	card	NOUN
aijssr-1921	372	3	from	from	ADP
aijssr-1921	372	4	the	the	DET
aijssr-1921	372	5	islamic	islamic	ADJ
aijssr-1921	372	6	legal	legal	ADJ
aijssr-1921	372	7	perspective	perspective	NOUN
aijssr-1921	372	8	:	:	PUNCT
aijssr-1921	372	9	special	special	ADJ
aijssr-1921	372	10	reference	reference	NOUN
aijssr-1921	372	11	to	to	ADP
aijssr-1921	372	12	malaysia	malaysia	PROPN
aijssr-1921	372	13	(	(	PUNCT
aijssr-1921	372	14	doctoral	doctoral	ADJ
aijssr-1921	372	15	dissertation	dissertation	NOUN
aijssr-1921	372	16	,	,	PUNCT
aijssr-1921	372	17	ahmad	ahmad	PROPN
aijssr-1921	372	18	ibrahim	ibrahim	PROPN
aijssr-1921	372	19	kulliyyah	kulliyyah	PROPN
aijssr-1921	372	20	of	of	ADP
aijssr-1921	372	21	laws	law	NOUN
aijssr-1921	372	22	,	,	PUNCT
aijssr-1921	372	23	international	international	ADJ
aijssr-1921	372	24	islamic	islamic	PROPN
aijssr-1921	372	25	university	university	PROPN
aijssr-1921	372	26	malaysia	malaysia	PROPN
aijssr-1921	372	27	)	)	PUNCT
aijssr-1921	372	28	.	.	PUNCT
aijssr-1921	373	1	https://doi.org/12.21078/jimf.v6i4.1232	https://doi.org/12.21078/jimf.v6i4.1232	PROPN
aijssr-1921	373	2	kahf	kahf	PROPN
aijssr-1921	373	3	,	,	PUNCT
aijssr-1921	373	4	m.	m.	NOUN
aijssr-1921	373	5	,	,	PUNCT
aijssr-1921	373	6	&	&	CCONJ
aijssr-1921	373	7	mohomed	mohomed	ADJ
aijssr-1921	373	8	,	,	PUNCT
aijssr-1921	373	9	a.	a.	NOUN
aijssr-1921	373	10	n.	n.	NOUN
aijssr-1921	373	11	(	(	PUNCT
aijssr-1921	373	12	2016	2016	NUM
aijssr-1921	373	13	)	)	PUNCT
aijssr-1921	373	14	.	.	PUNCT
aijssr-1921	374	1	credit	credit	NOUN
aijssr-1921	374	2	cards	card	NOUN
aijssr-1921	374	3	:	:	PUNCT
aijssr-1921	374	4	contemporary	contemporary	ADJ
aijssr-1921	374	5	issues	issue	NOUN
aijssr-1921	374	6	from	from	ADP
aijssr-1921	374	7	economic	economic	ADJ
aijssr-1921	374	8	and	and	CCONJ
aijssr-1921	374	9	shariah	shariah	PROPN
aijssr-1921	374	10	perspective	perspective	PROPN
aijssr-1921	374	11	.	.	PUNCT
aijssr-1921	375	1	journal	journal	PROPN
aijssr-1921	375	2	of	of	ADP
aijssr-1921	375	3	king	king	PROPN
aijssr-1921	375	4	abdulaziz	abdulaziz	PROPN
aijssr-1921	375	5	university	university	PROPN
aijssr-1921	375	6	:	:	PUNCT
aijssr-1921	375	7	islamic	islamic	ADJ
aijssr-1921	375	8	economics	economic	NOUN
aijssr-1921	375	9	,	,	PUNCT
aijssr-1921	375	10	29(1	29(1	NUM
aijssr-1921	375	11	)	)	PUNCT
aijssr-1921	375	12	,	,	PUNCT
aijssr-1921	375	13	57	57	NUM
aijssr-1921	375	14	-	-	SYM
aijssr-1921	375	15	80	80	NUM
aijssr-1921	375	16	.	.	PUNCT
aijssr-1921	376	1	https://doi.org/14.21078/jimf.v6i4.1265	https://doi.org/14.21078/jimf.v6i4.1265	NOUN
aijssr-1921	376	2	sheraz	sheraz	NOUN
aijssr-1921	376	3	,	,	PUNCT
aijssr-1921	376	4	m.	m.	NOUN
aijssr-1921	376	5	,	,	PUNCT
aijssr-1921	376	6	ullah	ullah	PROPN
aijssr-1921	376	7	,	,	PUNCT
aijssr-1921	376	8	a.	a.	PROPN
aijssr-1921	376	9	,	,	PUNCT
aijssr-1921	376	10	ullah	ullah	PROPN
aijssr-1921	376	11	,	,	PUNCT
aijssr-1921	376	12	s.	s.	PROPN
aijssr-1921	376	13	,	,	PUNCT
aijssr-1921	376	14	&	&	CCONJ
aijssr-1921	376	15	irfan	irfan	PROPN
aijssr-1921	376	16	khadim	khadim	PROPN
aijssr-1921	376	17	,	,	PUNCT
aijssr-1921	376	18	m.	m.	NOUN
aijssr-1921	376	19	(	(	PUNCT
aijssr-1921	376	20	2021	2021	NUM
aijssr-1921	376	21	)	)	PUNCT
aijssr-1921	376	22	.	.	PUNCT
aijssr-1921	377	1	islamic	islamic	ADJ
aijssr-1921	377	2	credit	credit	NOUN
aijssr-1921	377	3	card	card	NOUN
aijssr-1921	377	4	:	:	PUNCT
aijssr-1921	377	5	a	a	DET
aijssr-1921	377	6	new	new	ADJ
aijssr-1921	377	7	version	version	NOUN
aijssr-1921	377	8	of	of	ADP
aijssr-1921	377	9	sharia	sharia	PROPN
aijssr-1921	377	10	compliant	compliant	ADJ
aijssr-1921	377	11	credit	credit	NOUN
aijssr-1921	377	12	card	card	NOUN
aijssr-1921	377	13	.	.	PUNCT
aijssr-1921	378	1	international	international	ADJ
aijssr-1921	378	2	journal	journal	PROPN
aijssr-1921	378	3	of	of	ADP
aijssr-1921	378	4	information	information	NOUN
aijssr-1921	378	5	,	,	PUNCT
aijssr-1921	378	6	business	business	NOUN
aijssr-1921	378	7	and	and	CCONJ
aijssr-1921	378	8	management	management	NOUN
aijssr-1921	378	9	,	,	PUNCT
aijssr-1921	378	10	13(4	13(4	NUM
aijssr-1921	378	11	)	)	PUNCT
aijssr-1921	378	12	,	,	PUNCT
aijssr-1921	378	13	174	174	NUM
aijssr-1921	378	14	-	-	SYM
aijssr-1921	378	15	180	180	NUM
aijssr-1921	378	16	.	.	PUNCT
aijssr-1921	379	1	https://doi.org/10.5465/ambpp.1964.5067822	https://doi.org/10.5465/ambpp.1964.5067822	PROPN
aijssr-1921	379	2	sillah	sillah	PROPN
aijssr-1921	379	3	,	,	PUNCT
aijssr-1921	379	4	b.	b.	PROPN
aijssr-1921	379	5	m.	m.	PROPN
aijssr-1921	379	6	(	(	PUNCT
aijssr-1921	379	7	2017	2017	NUM
aijssr-1921	379	8	)	)	PUNCT
aijssr-1921	379	9	.	.	PUNCT
aijssr-1921	380	1	islamic	islamic	ADJ
aijssr-1921	380	2	credit	credit	NOUN
aijssr-1921	380	3	cards	card	NOUN
aijssr-1921	380	4	:	:	PUNCT
aijssr-1921	380	5	how	how	SCONJ
aijssr-1921	380	6	do	do	AUX
aijssr-1921	380	7	they	they	PRON
aijssr-1921	380	8	work	work	VERB
aijssr-1921	380	9	,	,	PUNCT
aijssr-1921	380	10	and	and	CCONJ
aijssr-1921	380	11	is	be	AUX
aijssr-1921	380	12	there	there	PRON
aijssr-1921	380	13	a	a	DET
aijssr-1921	380	14	better	well	ADJ
aijssr-1921	380	15	alternative	alternative	NOUN
aijssr-1921	380	16	.	.	PUNCT
aijssr-1921	381	1	journal	journal	PROPN
aijssr-1921	381	2	of	of	ADP
aijssr-1921	381	3	islamic	islamic	PROPN
aijssr-1921	381	4	banking	banking	NOUN
aijssr-1921	381	5	and	and	CCONJ
aijssr-1921	381	6	finance	finance	NOUN
aijssr-1921	381	7	,	,	PUNCT
aijssr-1921	381	8	5(2	5(2	NUM
aijssr-1921	381	9	)	)	PUNCT
aijssr-1921	381	10	,	,	PUNCT
aijssr-1921	381	11	1	1	NUM
aijssr-1921	381	12	-	-	SYM
aijssr-1921	381	13	8	8	NUM
aijssr-1921	381	14	.	.	PUNCT
aijssr-1921	382	1	https://doi.org/10.15640/jibf.v5n2a1	https://doi.org/10.15640/jibf.v5n2a1	PROPN
aijssr-1921	382	2	https://doi.org/10.1108/01409171211238271	https://doi.org/10.1108/01409171211238271	PART
aijssr-1921	382	3	chowdhury	chowdhury	PROPN
aijssr-1921	382	4	et	et	PROPN
aijssr-1921	382	5	al	al	PROPN
aijssr-1921	382	6	.	.	PROPN
aijssr-1921	382	7	,	,	PUNCT
aijssr-1921	382	8	american	american	PROPN
aijssr-1921	382	9	international	international	PROPN
aijssr-1921	382	10	journal	journal	PROPN
aijssr-1921	382	11	of	of	ADP
aijssr-1921	382	12	social	social	ADJ
aijssr-1921	382	13	science	science	NOUN
aijssr-1921	382	14	research	research	NOUN
aijssr-1921	382	15	14(1	14(1	NUM
aijssr-1921	382	16	)	)	PUNCT
aijssr-1921	382	17	(	(	PUNCT
aijssr-1921	382	18	2023	2023	NUM
aijssr-1921	382	19	)	)	PUNCT
aijssr-1921	382	20	,	,	PUNCT
aijssr-1921	382	21	1	1	NUM
aijssr-1921	382	22	-	-	SYM
aijssr-1921	382	23	8	8	NUM
aijssr-1921	382	24	8	8	NUM
aijssr-1921	382	25	sheikh	sheikh	NOUN
aijssr-1921	382	26	khairudin	khairudin	PROPN
aijssr-1921	382	27	,	,	PUNCT
aijssr-1921	382	28	s.	s.	PROPN
aijssr-1921	382	29	m.	m.	PROPN
aijssr-1921	382	30	h.	h.	PROPN
aijssr-1921	382	31	,	,	PUNCT
aijssr-1921	382	32	&	&	CCONJ
aijssr-1921	382	33	mohammad	mohammad	PROPN
aijssr-1921	382	34	,	,	PUNCT
aijssr-1921	382	35	m.	m.	NOUN
aijssr-1921	382	36	a.	a.	NOUN
aijssr-1921	382	37	(	(	PUNCT
aijssr-1921	382	38	2021	2021	NUM
aijssr-1921	382	39	)	)	PUNCT
aijssr-1921	382	40	.	.	PUNCT
aijssr-1921	383	1	the	the	DET
aijssr-1921	383	2	role	role	NOUN
aijssr-1921	383	3	of	of	ADP
aijssr-1921	383	4	information	information	NOUN
aijssr-1921	383	5	technology	technology	NOUN
aijssr-1921	383	6	on	on	ADP
aijssr-1921	383	7	the	the	DET
aijssr-1921	383	8	muslim	muslim	ADJ
aijssr-1921	383	9	community	community	NOUN
aijssr-1921	383	10	in	in	ADP
aijssr-1921	383	11	the	the	DET
aijssr-1921	383	12	era	era	NOUN
aijssr-1921	383	13	of	of	ADP
aijssr-1921	383	14	globalization	globalization	NOUN
aijssr-1921	383	15	and	and	CCONJ
aijssr-1921	383	16	digitalizatio	digitalizatio	NOUN
aijssr-1921	383	17	.	.	PUNCT
aijssr-1921	384	1	journal	journal	PROPN
aijssr-1921	384	2	of	of	ADP
aijssr-1921	384	3	information	information	NOUN
aijssr-1921	384	4	technology	technology	NOUN
aijssr-1921	384	5	management	management	NOUN
aijssr-1921	384	6	,	,	PUNCT
aijssr-1921	384	7	13(3	13(3	NUM
aijssr-1921	384	8	)	)	PUNCT
aijssr-1921	384	9	,	,	PUNCT
aijssr-1921	384	10	178–186	178–186	NUM
aijssr-1921	384	11	.	.	PUNCT
aijssr-1921	385	1	https://doi.org/10.22059/jitm.2021.83236	https://doi.org/10.22059/jitm.2021.83236	NOUN
aijssr-1921	385	2	publisher	publisher	NOUN
aijssr-1921	385	3	’s	’s	PART
aijssr-1921	385	4	note	note	NOUN
aijssr-1921	385	5	:	:	PUNCT
aijssr-1921	385	6	cribfb	cribfb	PROPN
aijssr-1921	385	7	stays	stay	VERB
aijssr-1921	385	8	neutral	neutral	ADJ
aijssr-1921	385	9	with	with	ADP
aijssr-1921	385	10	regard	regard	NOUN
aijssr-1921	385	11	to	to	ADP
aijssr-1921	385	12	jurisdictional	jurisdictional	ADJ
aijssr-1921	385	13	claims	claim	NOUN
aijssr-1921	385	14	in	in	ADP
aijssr-1921	385	15	published	publish	VERB
aijssr-1921	385	16	maps	map	NOUN
aijssr-1921	385	17	and	and	CCONJ
aijssr-1921	385	18	institutional	institutional	ADJ
aijssr-1921	385	19	affiliations	affiliation	NOUN
aijssr-1921	385	20	.	.	PUNCT
aijssr-1921	386	1	©	©	ADP
aijssr-1921	386	2	2023	2023	NUM
aijssr-1921	386	3	by	by	ADP
aijssr-1921	386	4	the	the	DET
aijssr-1921	386	5	authors	author	NOUN
aijssr-1921	386	6	.	.	PUNCT
aijssr-1921	387	1	licensee	licensee	PROPN
aijssr-1921	387	2	cribfb	cribfb	PROPN
aijssr-1921	387	3	,	,	PUNCT
aijssr-1921	387	4	usa	usa	PROPN
aijssr-1921	387	5	.	.	PROPN
aijssr-1921	388	1	this	this	DET
aijssr-1921	388	2	article	article	NOUN
aijssr-1921	388	3	is	be	AUX
aijssr-1921	388	4	an	an	DET
aijssr-1921	388	5	open	open	ADJ
aijssr-1921	388	6	access	access	NOUN
aijssr-1921	388	7	article	article	NOUN
aijssr-1921	388	8	distributed	distribute	VERB
aijssr-1921	388	9	under	under	ADP
aijssr-1921	388	10	the	the	DET
aijssr-1921	388	11	terms	term	NOUN
aijssr-1921	388	12	and	and	CCONJ
aijssr-1921	388	13	conditions	condition	NOUN
aijssr-1921	388	14	of	of	ADP
aijssr-1921	388	15	the	the	DET
aijssr-1921	388	16	creative	creative	ADJ
aijssr-1921	388	17	commons	common	NOUN
aijssr-1921	388	18	attribution	attribution	NOUN
aijssr-1921	388	19	(	(	PUNCT
aijssr-1921	388	20	cc	cc	NOUN
aijssr-1921	388	21	by	by	ADP
aijssr-1921	388	22	)	)	PUNCT
aijssr-1921	388	23	license	license	NOUN
aijssr-1921	388	24	(	(	PUNCT
aijssr-1921	388	25	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
aijssr-1921	388	26	)	)	PUNCT
aijssr-1921	388	27	.	.	PUNCT
aijssr-1921	389	1	american	american	PROPN
aijssr-1921	389	2	international	international	PROPN
aijssr-1921	389	3	journal	journal	PROPN
aijssr-1921	389	4	of	of	ADP
aijssr-1921	389	5	social	social	ADJ
aijssr-1921	389	6	science	science	NOUN
aijssr-1921	389	7	research	research	NOUN
aijssr-1921	389	8	(	(	PUNCT
aijssr-1921	389	9	p	p	NOUN
aijssr-1921	389	10	-	-	PUNCT
aijssr-1921	389	11	issn	issn	VERB
aijssr-1921	389	12	2576	2576	NUM
aijssr-1921	389	13	-	-	PUNCT
aijssr-1921	389	14	103x	103x	NOUN
aijssr-1921	389	15	e	e	NOUN
aijssr-1921	389	16	-	-	NOUN
aijssr-1921	389	17	issn	issn	VERB
aijssr-1921	389	18	2576	2576	NUM
aijssr-1921	389	19	-	-	PUNCT
aijssr-1921	389	20	1048	1048	NUM
aijssr-1921	389	21	)	)	PUNCT
aijssr-1921	389	22	by	by	ADP
aijssr-1921	389	23	cribfb	cribfb	PROPN
aijssr-1921	389	24	is	be	AUX
aijssr-1921	389	25	licensed	license	VERB
aijssr-1921	389	26	under	under	ADP
aijssr-1921	389	27	a	a	DET
aijssr-1921	389	28	creative	creative	ADJ
aijssr-1921	389	29	commons	common	NOUN
aijssr-1921	389	30	attribution	attribution	NOUN
aijssr-1921	389	31	4.0	4.0	NUM
aijssr-1921	389	32	international	international	ADJ
aijssr-1921	389	33	license	license	NOUN
aijssr-1921	389	34	.	.	PUNCT
aijssr-1921	390	1	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
aijssr-1921	390	2	)	)	PUNCT
aijssr-1921	391	1	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
aijssr-1921	391	2	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
aijssr-1921	391	3	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN