id	sid	tid	token	lemma	pos
ajase-2106	1	1	pa	pa	PROPN
ajase-2106	1	2	ge	ge	PROPN
ajase-2106	1	3	1	1	NUM
ajase-2106	1	4	pa	pa	PROPN
ajase-2106	1	5	ge	ge	PROPN
ajase-2106	1	6	48	48	NUM
ajase-2106	1	7	american	american	PROPN
ajase-2106	1	8	journal	journal	PROPN
ajase-2106	1	9	of	of	ADP
ajase-2106	1	10	applied	apply	VERB
ajase-2106	1	11	statistics	statistic	NOUN
ajase-2106	1	12	and	and	CCONJ
ajase-2106	1	13	economics	economic	NOUN
ajase-2106	1	14	(	(	PUNCT
ajase-2106	1	15	ajase	ajase	ADV
ajase-2106	1	16	)	)	PUNCT
ajase-2106	1	17	the	the	DET
ajase-2106	1	18	impact	impact	NOUN
ajase-2106	1	19	of	of	ADP
ajase-2106	1	20	financial	financial	ADJ
ajase-2106	1	21	inclusion	inclusion	NOUN
ajase-2106	1	22	on	on	ADP
ajase-2106	1	23	banking	banking	NOUN
ajase-2106	1	24	stabilityan	stabilityan	PROPN
ajase-2106	1	25	analytical	analytical	ADJ
ajase-2106	1	26	study	study	NOUN
ajase-2106	1	27	in	in	ADP
ajase-2106	1	28	the	the	DET
ajase-2106	1	29	iraqi	iraqi	ADJ
ajase-2106	1	30	banking	banking	NOUN
ajase-2106	1	31	sector	sector	NOUN
ajase-2106	1	32	mohammed	mohammed	PROPN
ajase-2106	1	33	hammad	hammad	PROPN
ajase-2106	1	34	safi1	safi1	PROPN
ajase-2106	1	35	*	*	PROPN
ajase-2106	1	36	,	,	PUNCT
ajase-2106	1	37	hichem	hichem	NOUN
ajase-2106	1	38	khlif1	khlif1	NOUN
ajase-2106	1	39	volume	volume	NOUN
ajase-2106	1	40	2	2	NUM
ajase-2106	1	41	issue	issue	NOUN
ajase-2106	1	42	1	1	NUM
ajase-2106	1	43	,	,	PUNCT
ajase-2106	1	44	year	year	NOUN
ajase-2106	1	45	2023	2023	NUM
ajase-2106	1	46	issn	issn	X
ajase-2106	1	47	:	:	PUNCT
ajase-2106	1	48	2992	2992	NUM
ajase-2106	1	49	-	-	PUNCT
ajase-2106	1	50	927x	927x	NOUN
ajase-2106	1	51	(	(	PUNCT
ajase-2106	1	52	online	online	ADJ
ajase-2106	1	53	)	)	PUNCT
ajase-2106	1	54	doi	doi	NOUN
ajase-2106	1	55	:	:	PUNCT
ajase-2106	2	1	https://doi.org/10.54536/ajase.v2i1.2106	https://doi.org/10.54536/ajase.v2i1.2106	PROPN
ajase-2106	2	2	https://journals.e-palli.com/home/index.php/ajase	https://journals.e-palli.com/home/index.php/ajase	PROPN
ajase-2106	2	3	article	article	NOUN
ajase-2106	2	4	information	information	NOUN
ajase-2106	2	5	abstract	abstract	ADV
ajase-2106	2	6	received	receive	VERB
ajase-2106	2	7	:	:	PUNCT
ajase-2106	2	8	october	october	PROPN
ajase-2106	2	9	18	18	NUM
ajase-2106	2	10	,	,	PUNCT
ajase-2106	2	11	2023	2023	NUM
ajase-2106	2	12	accepted	accept	VERB
ajase-2106	2	13	:	:	PUNCT
ajase-2106	2	14	november	november	PROPN
ajase-2106	2	15	16	16	NUM
ajase-2106	2	16	,	,	PUNCT
ajase-2106	2	17	2023	2023	NUM
ajase-2106	2	18	published	publish	VERB
ajase-2106	2	19	:	:	PUNCT
ajase-2106	2	20	november	november	PROPN
ajase-2106	2	21	20	20	NUM
ajase-2106	2	22	,	,	PUNCT
ajase-2106	2	23	2023	2023	NUM
ajase-2106	2	24	this	this	DET
ajase-2106	2	25	research	research	NOUN
ajase-2106	2	26	examines	examine	VERB
ajase-2106	2	27	the	the	DET
ajase-2106	2	28	impact	impact	NOUN
ajase-2106	2	29	of	of	ADP
ajase-2106	2	30	financial	financial	ADJ
ajase-2106	2	31	inclusion	inclusion	NOUN
ajase-2106	2	32	,	,	PUNCT
ajase-2106	2	33	as	as	SCONJ
ajase-2106	2	34	indicated	indicate	VERB
ajase-2106	2	35	by	by	ADP
ajase-2106	2	36	its	its	PRON
ajase-2106	2	37	indicators	indicator	NOUN
ajase-2106	2	38	,	,	PUNCT
ajase-2106	2	39	on	on	ADP
ajase-2106	2	40	banking	banking	NOUN
ajase-2106	2	41	stability	stability	NOUN
ajase-2106	2	42	.	.	PUNCT
ajase-2106	3	1	the	the	DET
ajase-2106	3	2	iraqi	iraqi	ADJ
ajase-2106	3	3	banking	banking	NOUN
ajase-2106	3	4	sector	sector	NOUN
ajase-2106	3	5	has	have	AUX
ajase-2106	3	6	been	be	AUX
ajase-2106	3	7	tested	test	VERB
ajase-2106	3	8	,	,	PUNCT
ajase-2106	3	9	and	and	CCONJ
ajase-2106	3	10	the	the	DET
ajase-2106	3	11	main	main	ADJ
ajase-2106	3	12	research	research	NOUN
ajase-2106	3	13	problem	problem	NOUN
ajase-2106	3	14	revolves	revolve	VERB
ajase-2106	3	15	around	around	ADP
ajase-2106	3	16	finding	find	VERB
ajase-2106	3	17	appropriate	appropriate	ADJ
ajase-2106	3	18	ways	way	NOUN
ajase-2106	3	19	to	to	PART
ajase-2106	3	20	achieve	achieve	VERB
ajase-2106	3	21	financial	financial	ADJ
ajase-2106	3	22	inclusion	inclusion	NOUN
ajase-2106	3	23	that	that	PRON
ajase-2106	3	24	align	align	VERB
ajase-2106	3	25	with	with	ADP
ajase-2106	3	26	the	the	DET
ajase-2106	3	27	iraqi	iraqi	ADJ
ajase-2106	3	28	central	central	PROPN
ajase-2106	3	29	bank	bank	NOUN
ajase-2106	3	30	’s	’s	PART
ajase-2106	3	31	policies	policy	NOUN
ajase-2106	3	32	,	,	PUNCT
ajase-2106	3	33	tailored	tailor	VERB
ajase-2106	3	34	to	to	ADP
ajase-2106	3	35	the	the	DET
ajase-2106	3	36	iraqi	iraqi	ADJ
ajase-2106	3	37	environment	environment	NOUN
ajase-2106	3	38	to	to	PART
ajase-2106	3	39	achieve	achieve	VERB
ajase-2106	3	40	stability	stability	NOUN
ajase-2106	3	41	in	in	ADP
ajase-2106	3	42	the	the	DET
ajase-2106	3	43	banking	banking	NOUN
ajase-2106	3	44	sector	sector	NOUN
ajase-2106	3	45	.	.	PUNCT
ajase-2106	4	1	the	the	DET
ajase-2106	4	2	research	research	NOUN
ajase-2106	4	3	was	be	AUX
ajase-2106	4	4	applied	apply	VERB
ajase-2106	4	5	to	to	ADP
ajase-2106	4	6	the	the	DET
ajase-2106	4	7	banking	banking	NOUN
ajase-2106	4	8	sector	sector	NOUN
ajase-2106	4	9	as	as	ADP
ajase-2106	4	10	a	a	DET
ajase-2106	4	11	whole	whole	NOUN
ajase-2106	4	12	through	through	ADP
ajase-2106	4	13	quantitative	quantitative	ADJ
ajase-2106	4	14	and	and	CCONJ
ajase-2106	4	15	statistical	statistical	ADJ
ajase-2106	4	16	data	datum	NOUN
ajase-2106	4	17	analysis	analysis	NOUN
ajase-2106	4	18	from	from	ADP
ajase-2106	4	19	2010	2010	NUM
ajase-2106	4	20	to	to	ADP
ajase-2106	4	21	2021	2021	NUM
ajase-2106	4	22	.	.	PUNCT
ajase-2106	5	1	the	the	DET
ajase-2106	5	2	main	main	ADJ
ajase-2106	5	3	hypotheses	hypothesis	NOUN
ajase-2106	5	4	were	be	AUX
ajase-2106	5	5	tested	test	VERB
ajase-2106	5	6	to	to	PART
ajase-2106	5	7	determine	determine	VERB
ajase-2106	5	8	the	the	DET
ajase-2106	5	9	impact	impact	NOUN
ajase-2106	5	10	relationships	relationship	NOUN
ajase-2106	5	11	between	between	ADP
ajase-2106	5	12	research	research	NOUN
ajase-2106	5	13	variables	variable	NOUN
ajase-2106	5	14	,	,	PUNCT
ajase-2106	5	15	to	to	PART
ajase-2106	5	16	answer	answer	VERB
ajase-2106	5	17	the	the	DET
ajase-2106	5	18	research	research	NOUN
ajase-2106	5	19	questions	question	NOUN
ajase-2106	5	20	and	and	CCONJ
ajase-2106	5	21	achieve	achieve	VERB
ajase-2106	5	22	the	the	DET
ajase-2106	5	23	set	set	ADJ
ajase-2106	5	24	objectives	objective	NOUN
ajase-2106	5	25	.	.	PUNCT
ajase-2106	6	1	to	to	PART
ajase-2106	6	2	analyze	analyze	VERB
ajase-2106	6	3	the	the	DET
ajase-2106	6	4	data	datum	NOUN
ajase-2106	6	5	and	and	CCONJ
ajase-2106	6	6	information	information	NOUN
ajase-2106	6	7	,	,	PUNCT
ajase-2106	6	8	various	various	ADJ
ajase-2106	6	9	statistical	statistical	ADJ
ajase-2106	6	10	methods	method	NOUN
ajase-2106	6	11	were	be	AUX
ajase-2106	6	12	used	use	VERB
ajase-2106	6	13	using	use	VERB
ajase-2106	6	14	the	the	DET
ajase-2106	6	15	statistical	statistical	ADJ
ajase-2106	6	16	software	software	NOUN
ajase-2106	6	17	(	(	PUNCT
ajase-2106	6	18	stata13	stata13	NOUN
ajase-2106	6	19	)	)	PUNCT
ajase-2106	6	20	and	and	CCONJ
ajase-2106	6	21	excel	excel	VERB
ajase-2106	6	22	,	,	PUNCT
ajase-2106	6	23	in	in	ADP
ajase-2106	6	24	addition	addition	NOUN
ajase-2106	6	25	to	to	ADP
ajase-2106	6	26	using	use	VERB
ajase-2106	6	27	the	the	DET
ajase-2106	6	28	least	least	ADJ
ajase-2106	6	29	squares	square	NOUN
ajase-2106	6	30	method	method	VERB
ajase-2106	6	31	with	with	ADP
ajase-2106	6	32	the	the	DET
ajase-2106	6	33	regression	regression	NOUN
ajase-2106	6	34	model	model	NOUN
ajase-2106	6	35	for	for	ADP
ajase-2106	6	36	the	the	DET
ajase-2106	6	37	hypotheses	hypothesis	NOUN
ajase-2106	6	38	.	.	PUNCT
ajase-2106	7	1	the	the	DET
ajase-2106	7	2	research	research	NOUN
ajase-2106	7	3	yielded	yield	VERB
ajase-2106	7	4	a	a	DET
ajase-2106	7	5	set	set	NOUN
ajase-2106	7	6	of	of	ADP
ajase-2106	7	7	results	result	NOUN
ajase-2106	7	8	,	,	PUNCT
ajase-2106	7	9	indicating	indicate	VERB
ajase-2106	7	10	a	a	DET
ajase-2106	7	11	significant	significant	ADJ
ajase-2106	7	12	partial	partial	ADJ
ajase-2106	7	13	effect	effect	NOUN
ajase-2106	7	14	of	of	ADP
ajase-2106	7	15	financial	financial	ADJ
ajase-2106	7	16	inclusion	inclusion	NOUN
ajase-2106	7	17	indicators	indicator	NOUN
ajase-2106	7	18	on	on	ADP
ajase-2106	7	19	banking	bank	VERB
ajase-2106	7	20	stability	stability	NOUN
ajase-2106	7	21	in	in	ADP
ajase-2106	7	22	this	this	DET
ajase-2106	7	23	study	study	NOUN
ajase-2106	7	24	.	.	PUNCT
ajase-2106	8	1	the	the	DET
ajase-2106	8	2	results	result	NOUN
ajase-2106	8	3	of	of	ADP
ajase-2106	8	4	the	the	DET
ajase-2106	8	5	financial	financial	ADJ
ajase-2106	8	6	inclusion	inclusion	NOUN
ajase-2106	8	7	indicators	indicator	NOUN
ajase-2106	8	8	in	in	ADP
ajase-2106	8	9	banking	banking	NOUN
ajase-2106	8	10	stability	stability	NOUN
ajase-2106	8	11	varied	varied	ADJ
ajase-2106	8	12	,	,	PUNCT
ajase-2106	8	13	and	and	CCONJ
ajase-2106	8	14	the	the	DET
ajase-2106	8	15	sub	sub	NOUN
ajase-2106	8	16	-	-	NOUN
ajase-2106	8	17	hypotheses	hypothesis	NOUN
ajase-2106	8	18	were	be	AUX
ajase-2106	8	19	partially	partially	ADV
ajase-2106	8	20	accepted	accept	VERB
ajase-2106	8	21	,	,	PUNCT
ajase-2106	8	22	emphasizing	emphasize	VERB
ajase-2106	8	23	a	a	DET
ajase-2106	8	24	greater	great	ADJ
ajase-2106	8	25	contribution	contribution	NOUN
ajase-2106	8	26	of	of	ADP
ajase-2106	8	27	financial	financial	ADJ
ajase-2106	8	28	inclusion	inclusion	NOUN
ajase-2106	8	29	to	to	ADP
ajase-2106	8	30	it	it	PRON
ajase-2106	8	31	.	.	PUNCT
ajase-2106	9	1	keywords	keyword	VERB
ajase-2106	9	2	financial	financial	ADJ
ajase-2106	9	3	inclusion	inclusion	NOUN
ajase-2106	9	4	,	,	PUNCT
ajase-2106	9	5	banking	banking	NOUN
ajase-2106	9	6	stability	stability	NOUN
ajase-2106	9	7	,	,	PUNCT
ajase-2106	9	8	iraqi	iraqi	ADJ
ajase-2106	9	9	banking	banking	NOUN
ajase-2106	9	10	sector	sector	NOUN
ajase-2106	9	11	1	1	NUM
ajase-2106	9	12	baghdad	baghdad	PROPN
ajase-2106	9	13	university	university	PROPN
ajase-2106	9	14	,	,	PUNCT
ajase-2106	9	15	iraq	iraq	PROPN
ajase-2106	9	16	*	*	PUNCT
ajase-2106	9	17	corresponding	correspond	VERB
ajase-2106	9	18	author	author	NOUN
ajase-2106	9	19	’s	’s	PART
ajase-2106	9	20	e	e	NOUN
ajase-2106	9	21	-	-	NOUN
ajase-2106	9	22	mail	mail	NOUN
ajase-2106	9	23	:	:	PUNCT
ajase-2106	9	24	mohammad87alsafi@gmail.com	mohammad87alsafi@gmail.com	NUM
ajase-2106	9	25	introduction	introduction	NOUN
ajase-2106	9	26	one	one	NUM
ajase-2106	9	27	of	of	ADP
ajase-2106	9	28	the	the	DET
ajase-2106	9	29	main	main	ADJ
ajase-2106	9	30	lessons	lesson	NOUN
ajase-2106	9	31	learned	learn	VERB
ajase-2106	9	32	from	from	ADP
ajase-2106	9	33	financial	financial	ADJ
ajase-2106	9	34	crises	crisis	NOUN
ajase-2106	9	35	,	,	PUNCT
ajase-2106	9	36	including	include	VERB
ajase-2106	9	37	the	the	DET
ajase-2106	9	38	global	global	ADJ
ajase-2106	9	39	financial	financial	ADJ
ajase-2106	9	40	crisis	crisis	NOUN
ajase-2106	9	41	of	of	ADP
ajase-2106	9	42	2007	2007	NUM
ajase-2106	9	43	-	-	SYM
ajase-2106	9	44	2009	2009	NUM
ajase-2106	9	45	,	,	PUNCT
ajase-2106	9	46	and	and	CCONJ
ajase-2106	9	47	culminating	culminate	VERB
ajase-2106	9	48	with	with	ADP
ajase-2106	9	49	the	the	DET
ajase-2106	9	50	covid-19	covid-19	PROPN
ajase-2106	9	51	crisis	crisis	NOUN
ajase-2106	9	52	,	,	PUNCT
ajase-2106	9	53	is	be	AUX
ajase-2106	9	54	the	the	DET
ajase-2106	9	55	importance	importance	NOUN
ajase-2106	9	56	of	of	ADP
ajase-2106	9	57	containing	contain	VERB
ajase-2106	9	58	systemic	systemic	ADJ
ajase-2106	9	59	financial	financial	ADJ
ajase-2106	9	60	risks	risk	NOUN
ajase-2106	9	61	and	and	CCONJ
ajase-2106	9	62	maintaining	maintain	VERB
ajase-2106	9	63	financial	financial	ADJ
ajase-2106	9	64	stability	stability	NOUN
ajase-2106	9	65	in	in	ADP
ajase-2106	9	66	general	general	ADJ
ajase-2106	9	67	,	,	PUNCT
ajase-2106	9	68	and	and	CCONJ
ajase-2106	9	69	banking	banking	NOUN
ajase-2106	9	70	stability	stability	NOUN
ajase-2106	9	71	in	in	ADP
ajase-2106	9	72	particular	particular	ADJ
ajase-2106	9	73	.	.	PUNCT
ajase-2106	10	1	at	at	ADP
ajase-2106	10	2	the	the	DET
ajase-2106	10	3	same	same	ADJ
ajase-2106	10	4	time	time	NOUN
ajase-2106	10	5	,	,	PUNCT
ajase-2106	10	6	countries	country	NOUN
ajase-2106	10	7	’	'	PUNCT
ajase-2106	10	8	economies	economy	NOUN
ajase-2106	10	9	strive	strive	VERB
ajase-2106	10	10	to	to	PART
ajase-2106	10	11	enhance	enhance	VERB
ajase-2106	10	12	financial	financial	ADJ
ajase-2106	10	13	inclusion	inclusion	NOUN
ajase-2106	10	14	,	,	PUNCT
ajase-2106	10	15	increasing	increase	VERB
ajase-2106	10	16	access	access	NOUN
ajase-2106	10	17	to	to	ADP
ajase-2106	10	18	financial	financial	ADJ
ajase-2106	10	19	services	service	NOUN
ajase-2106	10	20	for	for	ADP
ajase-2106	10	21	low	low	ADJ
ajase-2106	10	22	-	-	PUNCT
ajase-2106	10	23	income	income	NOUN
ajase-2106	10	24	households	household	NOUN
ajase-2106	10	25	and	and	CCONJ
ajase-2106	10	26	small	small	ADJ
ajase-2106	10	27	businesses	business	NOUN
ajase-2106	10	28	.	.	PUNCT
ajase-2106	11	1	this	this	PRON
ajase-2106	11	2	is	be	AUX
ajase-2106	11	3	part	part	NOUN
ajase-2106	11	4	of	of	ADP
ajase-2106	11	5	their	their	PRON
ajase-2106	11	6	comprehensive	comprehensive	ADJ
ajase-2106	11	7	economic	economic	ADJ
ajase-2106	11	8	and	and	CCONJ
ajase-2106	11	9	financial	financial	ADJ
ajase-2106	11	10	development	development	NOUN
ajase-2106	11	11	strategies	strategy	NOUN
ajase-2106	11	12	,	,	PUNCT
ajase-2106	11	13	facilitated	facilitate	VERB
ajase-2106	11	14	through	through	ADP
ajase-2106	11	15	modern	modern	ADJ
ajase-2106	11	16	electronic	electronic	ADJ
ajase-2106	11	17	systems	system	NOUN
ajase-2106	11	18	that	that	PRON
ajase-2106	11	19	help	help	VERB
ajase-2106	11	20	extend	extend	VERB
ajase-2106	11	21	banking	banking	NOUN
ajase-2106	11	22	services	service	NOUN
ajase-2106	11	23	to	to	ADP
ajase-2106	11	24	a	a	DET
ajase-2106	11	25	wider	wide	ADJ
ajase-2106	11	26	range	range	NOUN
ajase-2106	11	27	of	of	ADP
ajase-2106	11	28	financial	financial	ADJ
ajase-2106	11	29	consumers	consumer	NOUN
ajase-2106	11	30	.	.	PUNCT
ajase-2106	12	1	electronic	electronic	ADJ
ajase-2106	12	2	systems	system	NOUN
ajase-2106	12	3	have	have	AUX
ajase-2106	12	4	played	play	VERB
ajase-2106	12	5	a	a	DET
ajase-2106	12	6	significant	significant	ADJ
ajase-2106	12	7	role	role	NOUN
ajase-2106	12	8	in	in	ADP
ajase-2106	12	9	the	the	DET
ajase-2106	12	10	overall	overall	ADJ
ajase-2106	12	11	economic	economic	ADJ
ajase-2106	12	12	and	and	CCONJ
ajase-2106	12	13	financial	financial	ADJ
ajase-2106	12	14	sector	sector	NOUN
ajase-2106	12	15	,	,	PUNCT
ajase-2106	12	16	particularly	particularly	ADV
ajase-2106	12	17	in	in	ADP
ajase-2106	12	18	the	the	DET
ajase-2106	12	19	banking	banking	NOUN
ajase-2106	12	20	sector	sector	NOUN
ajase-2106	12	21	,	,	PUNCT
ajase-2106	12	22	which	which	PRON
ajase-2106	12	23	has	have	AUX
ajase-2106	12	24	seen	see	VERB
ajase-2106	12	25	significant	significant	ADJ
ajase-2106	12	26	developments	development	NOUN
ajase-2106	12	27	in	in	ADP
ajase-2106	12	28	banking	banking	NOUN
ajase-2106	12	29	services	service	NOUN
ajase-2106	12	30	.	.	PUNCT
ajase-2106	13	1	the	the	DET
ajase-2106	13	2	banking	banking	NOUN
ajase-2106	13	3	needs	need	NOUN
ajase-2106	13	4	and	and	CCONJ
ajase-2106	13	5	demands	demand	NOUN
ajase-2106	13	6	of	of	ADP
ajase-2106	13	7	the	the	DET
ajase-2106	13	8	population	population	NOUN
ajase-2106	13	9	have	have	AUX
ajase-2106	13	10	changed	change	VERB
ajase-2106	13	11	significantly	significantly	ADV
ajase-2106	13	12	over	over	ADP
ajase-2106	13	13	the	the	DET
ajase-2106	13	14	years	year	NOUN
ajase-2106	13	15	,	,	PUNCT
ajase-2106	13	16	with	with	ADP
ajase-2106	13	17	the	the	DET
ajase-2106	13	18	expectation	expectation	NOUN
ajase-2106	13	19	of	of	ADP
ajase-2106	13	20	accessing	access	VERB
ajase-2106	13	21	these	these	DET
ajase-2106	13	22	services	service	NOUN
ajase-2106	13	23	at	at	ADP
ajase-2106	13	24	anytime	anytime	ADV
ajase-2106	13	25	and	and	CCONJ
ajase-2106	13	26	anywhere	anywhere	ADV
ajase-2106	13	27	,	,	PUNCT
ajase-2106	13	28	with	with	ADP
ajase-2106	13	29	minimal	minimal	ADJ
ajase-2106	13	30	cost	cost	NOUN
ajase-2106	13	31	and	and	CCONJ
ajase-2106	13	32	effort	effort	NOUN
ajase-2106	13	33	.	.	PUNCT
ajase-2106	14	1	in	in	ADP
ajase-2106	14	2	alignment	alignment	NOUN
ajase-2106	14	3	with	with	ADP
ajase-2106	14	4	these	these	DET
ajase-2106	14	5	developments	development	NOUN
ajase-2106	14	6	in	in	ADP
ajase-2106	14	7	the	the	DET
ajase-2106	14	8	nature	nature	NOUN
ajase-2106	14	9	of	of	ADP
ajase-2106	14	10	electronic	electronic	ADJ
ajase-2106	14	11	banking	banking	NOUN
ajase-2106	14	12	services	service	NOUN
ajase-2106	14	13	,	,	PUNCT
ajase-2106	14	14	the	the	DET
ajase-2106	14	15	current	current	ADJ
ajase-2106	14	16	research	research	NOUN
ajase-2106	14	17	idea	idea	NOUN
ajase-2106	14	18	has	have	AUX
ajase-2106	14	19	crystallized	crystallize	VERB
ajase-2106	14	20	to	to	PART
ajase-2106	14	21	address	address	VERB
ajase-2106	14	22	important	important	ADJ
ajase-2106	14	23	and	and	CCONJ
ajase-2106	14	24	critical	critical	ADJ
ajase-2106	14	25	factors	factor	NOUN
ajase-2106	14	26	in	in	ADP
ajase-2106	14	27	banking	banking	NOUN
ajase-2106	14	28	,	,	PUNCT
ajase-2106	14	29	namely	namely	ADV
ajase-2106	14	30	financial	financial	ADJ
ajase-2106	14	31	inclusion	inclusion	NOUN
ajase-2106	14	32	and	and	CCONJ
ajase-2106	14	33	banking	banking	NOUN
ajase-2106	14	34	stability	stability	NOUN
ajase-2106	14	35	.	.	PUNCT
ajase-2106	15	1	the	the	DET
ajase-2106	15	2	results	result	NOUN
ajase-2106	15	3	of	of	ADP
ajase-2106	15	4	many	many	ADJ
ajase-2106	15	5	practical	practical	ADJ
ajase-2106	15	6	or	or	CCONJ
ajase-2106	15	7	applied	apply	VERB
ajase-2106	15	8	studies	study	NOUN
ajase-2106	15	9	have	have	AUX
ajase-2106	15	10	demonstrated	demonstrate	VERB
ajase-2106	15	11	the	the	DET
ajase-2106	15	12	significance	significance	NOUN
ajase-2106	15	13	of	of	ADP
ajase-2106	15	14	these	these	DET
ajase-2106	15	15	variables	variable	NOUN
ajase-2106	15	16	in	in	ADP
ajase-2106	15	17	the	the	DET
ajase-2106	15	18	success	success	NOUN
ajase-2106	15	19	and	and	CCONJ
ajase-2106	15	20	leadership	leadership	NOUN
ajase-2106	15	21	of	of	ADP
ajase-2106	15	22	many	many	ADJ
ajase-2106	15	23	banks	bank	NOUN
ajase-2106	15	24	in	in	ADP
ajase-2106	15	25	different	different	ADJ
ajase-2106	15	26	environments	environment	NOUN
ajase-2106	15	27	,	,	PUNCT
ajase-2106	15	28	increasing	increase	VERB
ajase-2106	15	29	their	their	PRON
ajase-2106	15	30	market	market	NOUN
ajase-2106	15	31	share	share	NOUN
ajase-2106	15	32	.	.	PUNCT
ajase-2106	16	1	given	give	VERB
ajase-2106	16	2	the	the	DET
ajase-2106	16	3	need	need	NOUN
ajase-2106	16	4	of	of	ADP
ajase-2106	16	5	iraqi	iraqi	ADJ
ajase-2106	16	6	banks	bank	NOUN
ajase-2106	16	7	for	for	ADP
ajase-2106	16	8	such	such	ADJ
ajase-2106	16	9	studies	study	NOUN
ajase-2106	16	10	and	and	CCONJ
ajase-2106	16	11	research	research	NOUN
ajase-2106	16	12	,	,	PUNCT
ajase-2106	16	13	this	this	DET
ajase-2106	16	14	research	research	NOUN
ajase-2106	16	15	aims	aim	VERB
ajase-2106	16	16	to	to	PART
ajase-2106	16	17	test	test	VERB
ajase-2106	16	18	these	these	DET
ajase-2106	16	19	variables	variable	NOUN
ajase-2106	16	20	in	in	ADP
ajase-2106	16	21	the	the	DET
ajase-2106	16	22	iraqi	iraqi	ADJ
ajase-2106	16	23	banking	banking	NOUN
ajase-2106	16	24	sector	sector	NOUN
ajase-2106	16	25	.	.	PUNCT
ajase-2106	17	1	accordingly	accordingly	ADV
ajase-2106	17	2	,	,	PUNCT
ajase-2106	17	3	the	the	DET
ajase-2106	17	4	main	main	ADJ
ajase-2106	17	5	objective	objective	NOUN
ajase-2106	17	6	of	of	ADP
ajase-2106	17	7	the	the	DET
ajase-2106	17	8	research	research	NOUN
ajase-2106	17	9	is	be	AUX
ajase-2106	17	10	to	to	PART
ajase-2106	17	11	diagnose	diagnose	VERB
ajase-2106	17	12	the	the	DET
ajase-2106	17	13	levels	level	NOUN
ajase-2106	17	14	of	of	ADP
ajase-2106	17	15	financial	financial	ADJ
ajase-2106	17	16	inclusion	inclusion	NOUN
ajase-2106	17	17	and	and	CCONJ
ajase-2106	17	18	banking	banking	NOUN
ajase-2106	17	19	stability	stability	NOUN
ajase-2106	17	20	in	in	ADP
ajase-2106	17	21	the	the	DET
ajase-2106	17	22	iraqi	iraqi	ADJ
ajase-2106	17	23	banking	banking	NOUN
ajase-2106	17	24	sector	sector	NOUN
ajase-2106	17	25	.	.	PUNCT
ajase-2106	18	1	to	to	PART
ajase-2106	18	2	achieve	achieve	VERB
ajase-2106	18	3	this	this	DET
ajase-2106	18	4	objective	objective	NOUN
ajase-2106	18	5	,	,	PUNCT
ajase-2106	18	6	the	the	DET
ajase-2106	18	7	research	research	NOUN
ajase-2106	18	8	includes	include	VERB
ajase-2106	18	9	,	,	PUNCT
ajase-2106	18	10	according	accord	VERB
ajase-2106	18	11	to	to	ADP
ajase-2106	18	12	its	its	PRON
ajase-2106	18	13	methodology	methodology	NOUN
ajase-2106	18	14	,	,	PUNCT
ajase-2106	18	15	an	an	DET
ajase-2106	18	16	overview	overview	NOUN
ajase-2106	18	17	of	of	ADP
ajase-2106	18	18	financial	financial	ADJ
ajase-2106	18	19	inclusion	inclusion	NOUN
ajase-2106	18	20	,	,	PUNCT
ajase-2106	18	21	while	while	SCONJ
ajase-2106	18	22	the	the	DET
ajase-2106	18	23	second	second	ADJ
ajase-2106	18	24	part	part	NOUN
ajase-2106	18	25	addresses	address	VERB
ajase-2106	18	26	banking	bank	VERB
ajase-2106	18	27	stability	stability	NOUN
ajase-2106	18	28	and	and	CCONJ
ajase-2106	18	29	presents	present	VERB
ajase-2106	18	30	the	the	DET
ajase-2106	18	31	research	research	NOUN
ajase-2106	18	32	framework	framework	NOUN
ajase-2106	18	33	.	.	PUNCT
ajase-2106	19	1	literature	literature	NOUN
ajase-2106	19	2	review	review	VERB
ajase-2106	19	3	financial	financial	ADJ
ajase-2106	19	4	inclusion	inclusion	NOUN
ajase-2106	19	5	the	the	DET
ajase-2106	19	6	authors	author	NOUN
ajase-2106	19	7	and	and	CCONJ
ajase-2106	19	8	researchers	researcher	NOUN
ajase-2106	19	9	have	have	AUX
ajase-2106	19	10	approached	approach	VERB
ajase-2106	19	11	the	the	DET
ajase-2106	19	12	concept	concept	NOUN
ajase-2106	19	13	of	of	ADP
ajase-2106	19	14	financial	financial	ADJ
ajase-2106	19	15	inclusion	inclusion	NOUN
ajase-2106	19	16	from	from	ADP
ajase-2106	19	17	different	different	ADJ
ajase-2106	19	18	perspectives	perspective	NOUN
ajase-2106	19	19	.	.	PUNCT
ajase-2106	20	1	(	(	PUNCT
ajase-2106	20	2	lenka	lenka	PROPN
ajase-2106	20	3	&	&	CCONJ
ajase-2106	20	4	sharma	sharma	PROPN
ajase-2106	20	5	,	,	PUNCT
ajase-2106	20	6	2017	2017	NUM
ajase-2106	20	7	)	)	PUNCT
ajase-2106	20	8	defines	define	VERB
ajase-2106	20	9	it	it	PRON
ajase-2106	20	10	as	as	ADP
ajase-2106	20	11	“	"	PUNCT
ajase-2106	20	12	the	the	DET
ajase-2106	20	13	process	process	NOUN
ajase-2106	20	14	of	of	ADP
ajase-2106	20	15	ensuring	ensure	VERB
ajase-2106	20	16	that	that	SCONJ
ajase-2106	20	17	vulnerable	vulnerable	ADJ
ajase-2106	20	18	groups	group	NOUN
ajase-2106	20	19	,	,	PUNCT
ajase-2106	20	20	such	such	ADJ
ajase-2106	20	21	as	as	ADP
ajase-2106	20	22	low	low	ADJ
ajase-2106	20	23	-	-	PUNCT
ajase-2106	20	24	income	income	NOUN
ajase-2106	20	25	sectors	sector	NOUN
ajase-2106	20	26	and	and	CCONJ
ajase-2106	20	27	lowincome	lowincome	NOUN
ajase-2106	20	28	groups	group	NOUN
ajase-2106	20	29	,	,	PUNCT
ajase-2106	20	30	have	have	VERB
ajase-2106	20	31	access	access	NOUN
ajase-2106	20	32	to	to	ADP
ajase-2106	20	33	suitable	suitable	ADJ
ajase-2106	20	34	financial	financial	ADJ
ajase-2106	20	35	products	product	NOUN
ajase-2106	20	36	and	and	CCONJ
ajase-2106	20	37	services	service	NOUN
ajase-2106	20	38	at	at	ADP
ajase-2106	20	39	reasonable	reasonable	ADJ
ajase-2106	20	40	cost	cost	NOUN
ajase-2106	20	41	equitably	equitably	ADV
ajase-2106	20	42	and	and	CCONJ
ajase-2106	20	43	transparently	transparently	ADV
ajase-2106	20	44	by	by	ADP
ajase-2106	20	45	efficient	efficient	ADJ
ajase-2106	20	46	mainstream	mainstream	NOUN
ajase-2106	20	47	institutions	institution	NOUN
ajase-2106	20	48	.	.	PUNCT
ajase-2106	20	49	”	"	PUNCT
ajase-2106	21	1	on	on	ADP
ajase-2106	21	2	the	the	DET
ajase-2106	21	3	other	other	ADJ
ajase-2106	21	4	hand	hand	NOUN
ajase-2106	21	5	,	,	PUNCT
ajase-2106	21	6	(	(	PUNCT
ajase-2106	21	7	guérineau	guérineau	NOUN
ajase-2106	21	8	&	&	CCONJ
ajase-2106	21	9	jacolin	jacolin	PROPN
ajase-2106	21	10	,	,	PUNCT
ajase-2106	21	11	2014	2014	NUM
ajase-2106	21	12	)	)	PUNCT
ajase-2106	21	13	sees	see	VERB
ajase-2106	21	14	it	it	PRON
ajase-2106	21	15	as	as	ADP
ajase-2106	21	16	“	"	PUNCT
ajase-2106	21	17	permanent	permanent	ADJ
ajase-2106	21	18	access	access	NOUN
ajase-2106	21	19	of	of	ADP
ajase-2106	21	20	the	the	DET
ajase-2106	21	21	population	population	NOUN
ajase-2106	21	22	to	to	ADP
ajase-2106	21	23	a	a	DET
ajase-2106	21	24	variety	variety	NOUN
ajase-2106	21	25	of	of	ADP
ajase-2106	21	26	suitable	suitable	ADJ
ajase-2106	21	27	financial	financial	ADJ
ajase-2106	21	28	products	product	NOUN
ajase-2106	21	29	and	and	CCONJ
ajase-2106	21	30	services	service	NOUN
ajase-2106	21	31	at	at	ADP
ajase-2106	21	32	reasonable	reasonable	ADJ
ajase-2106	21	33	costs	cost	NOUN
ajase-2106	21	34	and	and	CCONJ
ajase-2106	21	35	their	their	PRON
ajase-2106	21	36	effective	effective	ADJ
ajase-2106	21	37	and	and	CCONJ
ajase-2106	21	38	efficient	efficient	ADJ
ajase-2106	21	39	use	use	NOUN
ajase-2106	21	40	.	.	PUNCT
ajase-2106	21	41	”	"	PUNCT
ajase-2106	22	1	from	from	ADP
ajase-2106	22	2	this	this	DET
ajase-2106	22	3	definition	definition	NOUN
ajase-2106	22	4	,	,	PUNCT
ajase-2106	22	5	three	three	NUM
ajase-2106	22	6	areas	area	NOUN
ajase-2106	22	7	can	can	AUX
ajase-2106	22	8	be	be	AUX
ajase-2106	22	9	identified	identify	VERB
ajase-2106	22	10	to	to	PART
ajase-2106	22	11	define	define	VERB
ajase-2106	22	12	financial	financial	ADJ
ajase-2106	22	13	inclusion	inclusion	NOUN
ajase-2106	22	14	:	:	PUNCT
ajase-2106	22	15	access	access	NOUN
ajase-2106	22	16	(	(	PUNCT
ajase-2106	22	17	supply	supply	NOUN
ajase-2106	22	18	)	)	PUNCT
ajase-2106	22	19	,	,	PUNCT
ajase-2106	22	20	usage	usage	NOUN
ajase-2106	22	21	(	(	PUNCT
ajase-2106	22	22	demand	demand	NOUN
ajase-2106	22	23	)	)	PUNCT
ajase-2106	22	24	,	,	PUNCT
ajase-2106	22	25	and	and	CCONJ
ajase-2106	22	26	affordability	affordability	NOUN
ajase-2106	22	27	(	(	PUNCT
ajase-2106	22	28	financial	financial	ADJ
ajase-2106	22	29	conditions	condition	NOUN
ajase-2106	22	30	/	/	SYM
ajase-2106	22	31	product	product	NOUN
ajase-2106	22	32	quality	quality	NOUN
ajase-2106	22	33	)	)	PUNCT
ajase-2106	22	34	.	.	PUNCT
ajase-2106	23	1	additionally	additionally	ADV
ajase-2106	23	2	,	,	PUNCT
ajase-2106	23	3	(	(	PUNCT
ajase-2106	23	4	barajas	barajas	PROPN
ajase-2106	23	5	et	et	PROPN
ajase-2106	23	6	al	al	PROPN
ajase-2106	23	7	.	.	PROPN
ajase-2106	23	8	,	,	PUNCT
ajase-2106	23	9	2020	2020	NUM
ajase-2106	23	10	)	)	PUNCT
ajase-2106	23	11	aims	aim	VERB
ajase-2106	23	12	to	to	PART
ajase-2106	23	13	generalize	generalize	VERB
ajase-2106	23	14	banking	banking	NOUN
ajase-2106	23	15	and	and	CCONJ
ajase-2106	23	16	financial	financial	ADJ
ajase-2106	23	17	products	product	NOUN
ajase-2106	23	18	and	and	CCONJ
ajase-2106	23	19	services	service	NOUN
ajase-2106	23	20	to	to	ADP
ajase-2106	23	21	all	all	DET
ajase-2106	23	22	members	member	NOUN
ajase-2106	23	23	of	of	ADP
ajase-2106	23	24	society	society	NOUN
ajase-2106	23	25	with	with	ADP
ajase-2106	23	26	different	different	ADJ
ajase-2106	23	27	segments	segment	NOUN
ajase-2106	23	28	through	through	ADP
ajase-2106	23	29	innovative	innovative	ADJ
ajase-2106	23	30	,	,	PUNCT
ajase-2106	23	31	high	high	ADJ
ajase-2106	23	32	-	-	PUNCT
ajase-2106	23	33	quality	quality	NOUN
ajase-2106	23	34	,	,	PUNCT
ajase-2106	23	35	and	and	CCONJ
ajase-2106	23	36	reasonably	reasonably	ADV
ajase-2106	23	37	priced	price	VERB
ajase-2106	23	38	financial	financial	ADJ
ajase-2106	23	39	services	service	NOUN
ajase-2106	23	40	using	use	VERB
ajase-2106	23	41	formal	formal	ADJ
ajase-2106	23	42	methods	method	NOUN
ajase-2106	23	43	,	,	PUNCT
ajase-2106	23	44	including	include	VERB
ajase-2106	23	45	financial	financial	ADJ
ajase-2106	23	46	awareness	awareness	NOUN
ajase-2106	23	47	and	and	CCONJ
ajase-2106	23	48	education	education	NOUN
ajase-2106	23	49	.	.	PUNCT
ajase-2106	24	1	therefore	therefore	ADV
ajase-2106	24	2	,	,	PUNCT
ajase-2106	24	3	measures	measure	NOUN
ajase-2106	24	4	of	of	ADP
ajase-2106	24	5	usage	usage	NOUN
ajase-2106	24	6	likely	likely	ADV
ajase-2106	24	7	reflect	reflect	VERB
ajase-2106	24	8	the	the	DET
ajase-2106	24	9	availability	availability	NOUN
ajase-2106	24	10	of	of	ADP
ajase-2106	24	11	access	access	NOUN
ajase-2106	24	12	,	,	PUNCT
ajase-2106	24	13	cost	cost	NOUN
ajase-2106	24	14	,	,	PUNCT
ajase-2106	24	15	and	and	CCONJ
ajase-2106	24	16	quality	quality	NOUN
ajase-2106	24	17	,	,	PUNCT
ajase-2106	24	18	and	and	CCONJ
ajase-2106	24	19	vice	vice	ADV
ajase-2106	24	20	versa	versa	ADV
ajase-2106	24	21	.	.	PUNCT
ajase-2106	25	1	with	with	ADP
ajase-2106	25	2	more	more	ADV
ajase-2106	25	3	detailed	detailed	ADJ
ajase-2106	25	4	data	datum	NOUN
ajase-2106	25	5	available	available	ADJ
ajase-2106	25	6	on	on	ADP
ajase-2106	25	7	specific	specific	ADJ
ajase-2106	25	8	aspects	aspect	NOUN
ajase-2106	25	9	of	of	ADP
ajase-2106	25	10	financial	financial	ADJ
ajase-2106	25	11	inclusion	inclusion	NOUN
ajase-2106	25	12	,	,	PUNCT
ajase-2106	25	13	either	either	CCONJ
ajase-2106	25	14	within	within	ADP
ajase-2106	25	15	or	or	CCONJ
ajase-2106	25	16	across	across	ADP
ajase-2106	25	17	countries	country	NOUN
ajase-2106	25	18	,	,	PUNCT
ajase-2106	25	19	the	the	DET
ajase-2106	25	20	concept	concept	NOUN
ajase-2106	25	21	can	can	AUX
ajase-2106	25	22	be	be	AUX
ajase-2106	25	23	expanded	expand	VERB
ajase-2106	25	24	to	to	PART
ajase-2106	25	25	include	include	VERB
ajase-2106	25	26	access	access	NOUN
ajase-2106	25	27	,	,	PUNCT
ajase-2106	25	28	quality	quality	NOUN
ajase-2106	25	29	,	,	PUNCT
ajase-2106	25	30	and	and	CCONJ
ajase-2106	25	31	cost	cost	NOUN
ajase-2106	25	32	dimensions	dimension	NOUN
ajase-2106	25	33	as	as	ADV
ajase-2106	25	34	well	well	ADV
ajase-2106	25	35	.	.	PUNCT
ajase-2106	26	1	(	(	PUNCT
ajase-2106	26	2	lozi	lozi	NOUN
ajase-2106	26	3	,	,	PUNCT
ajase-2106	26	4	2021	2021	NUM
ajase-2106	26	5	)	)	PUNCT
ajase-2106	26	6	introduces	introduce	VERB
ajase-2106	26	7	integrates	integrate	NOUN
ajase-2106	26	8	financially	financially	ADV
ajase-2106	26	9	marginalized	marginalize	VERB
ajase-2106	26	10	or	or	CCONJ
ajase-2106	26	11	low	low	ADJ
ajase-2106	26	12	-	-	PUNCT
ajase-2106	26	13	income	income	NOUN
ajase-2106	26	14	categories	category	NOUN
ajase-2106	26	15	that	that	PRON
ajase-2106	26	16	do	do	AUX
ajase-2106	26	17	not	not	PART
ajase-2106	26	18	allow	allow	VERB
ajase-2106	26	19	engagement	engagement	NOUN
ajase-2106	26	20	in	in	ADP
ajase-2106	26	21	banking	banking	NOUN
ajase-2106	26	22	operations	operation	NOUN
ajase-2106	26	23	by	by	ADP
ajase-2106	26	24	dealing	deal	VERB
ajase-2106	26	25	with	with	ADP
ajase-2106	26	26	the	the	DET
ajase-2106	26	27	banking	banking	NOUN
ajase-2106	26	28	system	system	NOUN
ajase-2106	26	29	through	through	ADP
ajase-2106	26	30	the	the	DET
ajase-2106	26	31	digital	digital	ADJ
ajase-2106	26	32	work	work	NOUN
ajase-2106	26	33	system	system	NOUN
ajase-2106	26	34	,	,	PUNCT
ajase-2106	26	35	meaning	mean	VERB
ajase-2106	26	36	completing	complete	VERB
ajase-2106	26	37	all	all	DET
ajase-2106	26	38	pa	pa	PROPN
ajase-2106	26	39	ge	ge	PROPN
ajase-2106	26	40	49	49	NUM
ajase-2106	26	41	https://journals.e-palli.com/home/index.php/ajase	https://journals.e-palli.com/home/index.php/ajase	PROPN
ajase-2106	26	42	am	be	AUX
ajase-2106	26	43	.	.	PUNCT
ajase-2106	27	1	j.	j.	PROPN
ajase-2106	27	2	appl	appl	PROPN
ajase-2106	27	3	.	.	PROPN
ajase-2106	28	1	stat	stat	PROPN
ajase-2106	28	2	.	.	PUNCT
ajase-2106	29	1	econ	econ	PROPN
ajase-2106	29	2	.	.	PUNCT
ajase-2106	30	1	2(1	2(1	NUM
ajase-2106	30	2	)	)	PUNCT
ajase-2106	30	3	48	48	NUM
ajase-2106	30	4	-	-	SYM
ajase-2106	30	5	53	53	NUM
ajase-2106	30	6	,	,	PUNCT
ajase-2106	30	7	2023	2023	NUM
ajase-2106	30	8	financial	financial	ADJ
ajase-2106	30	9	transactions	transaction	NOUN
ajase-2106	30	10	electronically	electronically	ADV
ajase-2106	30	11	.	.	PUNCT
ajase-2106	31	1	financial	financial	ADJ
ajase-2106	31	2	inclusion	inclusion	NOUN
ajase-2106	31	3	focuses	focus	VERB
ajase-2106	31	4	on	on	ADP
ajase-2106	31	5	providing	provide	VERB
ajase-2106	31	6	financial	financial	ADJ
ajase-2106	31	7	services	service	NOUN
ajase-2106	31	8	through	through	ADP
ajase-2106	31	9	easy	easy	ADJ
ajase-2106	31	10	,	,	PUNCT
ajase-2106	31	11	simple	simple	ADJ
ajase-2106	31	12	,	,	PUNCT
ajase-2106	31	13	and	and	CCONJ
ajase-2106	31	14	cost	cost	NOUN
ajase-2106	31	15	-	-	PUNCT
ajase-2106	31	16	effective	effective	ADJ
ajase-2106	31	17	methods	method	NOUN
ajase-2106	31	18	,	,	PUNCT
ajase-2106	31	19	such	such	ADJ
ajase-2106	31	20	as	as	ADP
ajase-2106	31	21	mobile	mobile	ADJ
ajase-2106	31	22	phone	phone	NOUN
ajase-2106	31	23	payments	payment	NOUN
ajase-2106	31	24	.	.	PUNCT
ajase-2106	32	1	the	the	DET
ajase-2106	32	2	importance	importance	NOUN
ajase-2106	32	3	of	of	ADP
ajase-2106	32	4	financial	financial	ADJ
ajase-2106	32	5	inclusion	inclusion	NOUN
ajase-2106	32	6	lies	lie	VERB
ajase-2106	32	7	in	in	ADP
ajase-2106	32	8	empowering	empower	VERB
ajase-2106	32	9	low	low	ADJ
ajase-2106	32	10	-	-	PUNCT
ajase-2106	32	11	income	income	NOUN
ajase-2106	32	12	individuals	individual	NOUN
ajase-2106	32	13	to	to	PART
ajase-2106	32	14	access	access	VERB
ajase-2106	32	15	high	high	ADJ
ajase-2106	32	16	-	-	PUNCT
ajase-2106	32	17	quality	quality	NOUN
ajase-2106	32	18	and	and	CCONJ
ajase-2106	32	19	affordable	affordable	ADJ
ajase-2106	32	20	financial	financial	ADJ
ajase-2106	32	21	services	service	NOUN
ajase-2106	32	22	.	.	PUNCT
ajase-2106	33	1	it	it	PRON
ajase-2106	33	2	also	also	ADV
ajase-2106	33	3	gives	give	VERB
ajase-2106	33	4	them	they	PRON
ajase-2106	33	5	the	the	DET
ajase-2106	33	6	appropriate	appropriate	ADJ
ajase-2106	33	7	importance	importance	NOUN
ajase-2106	33	8	and	and	CCONJ
ajase-2106	33	9	priority	priority	NOUN
ajase-2106	33	10	within	within	ADP
ajase-2106	33	11	the	the	DET
ajase-2106	33	12	framework	framework	NOUN
ajase-2106	33	13	of	of	ADP
ajase-2106	33	14	economic	economic	ADJ
ajase-2106	33	15	policies	policy	NOUN
ajase-2106	33	16	,	,	PUNCT
ajase-2106	33	17	legislative	legislative	ADJ
ajase-2106	33	18	development	development	NOUN
ajase-2106	33	19	,	,	PUNCT
ajase-2106	33	20	and	and	CCONJ
ajase-2106	33	21	regulatory	regulatory	ADJ
ajase-2106	33	22	frameworks	framework	NOUN
ajase-2106	33	23	that	that	PRON
ajase-2106	33	24	help	help	VERB
ajase-2106	33	25	improve	improve	VERB
ajase-2106	33	26	the	the	DET
ajase-2106	33	27	spread	spread	NOUN
ajase-2106	33	28	of	of	ADP
ajase-2106	33	29	financial	financial	ADJ
ajase-2106	33	30	and	and	CCONJ
ajase-2106	33	31	banking	banking	NOUN
ajase-2106	33	32	services	service	NOUN
ajase-2106	33	33	and	and	CCONJ
ajase-2106	33	34	encourage	encourage	VERB
ajase-2106	33	35	innovation	innovation	NOUN
ajase-2106	33	36	in	in	ADP
ajase-2106	33	37	this	this	DET
ajase-2106	33	38	field	field	NOUN
ajase-2106	33	39	.	.	PUNCT
ajase-2106	34	1	therefore	therefore	ADV
ajase-2106	34	2	,	,	PUNCT
ajase-2106	34	3	expanding	expand	VERB
ajase-2106	34	4	the	the	DET
ajase-2106	34	5	reach	reach	NOUN
ajase-2106	34	6	of	of	ADP
ajase-2106	34	7	financial	financial	ADJ
ajase-2106	34	8	services	service	NOUN
ajase-2106	34	9	benefits	benefit	VERB
ajase-2106	34	10	society	society	NOUN
ajase-2106	34	11	as	as	ADP
ajase-2106	34	12	a	a	DET
ajase-2106	34	13	whole	whole	NOUN
ajase-2106	34	14	,	,	PUNCT
ajase-2106	34	15	enhances	enhance	VERB
ajase-2106	34	16	individual	individual	ADJ
ajase-2106	34	17	financial	financial	ADJ
ajase-2106	34	18	stability	stability	NOUN
ajase-2106	34	19	(	(	PUNCT
ajase-2106	34	20	akhtar	akhtar	PROPN
ajase-2106	34	21	&	&	CCONJ
ajase-2106	34	22	pearce	pearce	PROPN
ajase-2106	34	23	,	,	PUNCT
ajase-2106	34	24	2010	2010	NUM
ajase-2106	34	25	)	)	PUNCT
ajase-2106	34	26	,	,	PUNCT
ajase-2106	34	27	and	and	CCONJ
ajase-2106	34	28	supports	support	VERB
ajase-2106	34	29	the	the	DET
ajase-2106	34	30	banking	banking	NOUN
ajase-2106	34	31	sector	sector	NOUN
ajase-2106	34	32	and	and	CCONJ
ajase-2106	34	33	savings	saving	NOUN
ajase-2106	34	34	.	.	PUNCT
ajase-2106	35	1	the	the	DET
ajase-2106	35	2	significance	significance	NOUN
ajase-2106	35	3	of	of	ADP
ajase-2106	35	4	financial	financial	ADJ
ajase-2106	35	5	inclusion	inclusion	NOUN
ajase-2106	35	6	also	also	ADV
ajase-2106	35	7	stems	stem	VERB
ajase-2106	35	8	from	from	ADP
ajase-2106	35	9	its	its	PRON
ajase-2106	35	10	role	role	NOUN
ajase-2106	35	11	in	in	ADP
ajase-2106	35	12	supporting	support	VERB
ajase-2106	35	13	entrepreneurs	entrepreneur	NOUN
ajase-2106	35	14	and	and	CCONJ
ajase-2106	35	15	startups	startup	NOUN
ajase-2106	35	16	by	by	ADP
ajase-2106	35	17	providing	provide	VERB
ajase-2106	35	18	support	support	NOUN
ajase-2106	35	19	and	and	CCONJ
ajase-2106	35	20	funding	funding	NOUN
ajase-2106	35	21	,	,	PUNCT
ajase-2106	35	22	enabling	enable	VERB
ajase-2106	35	23	these	these	DET
ajase-2106	35	24	startups	startup	NOUN
ajase-2106	35	25	to	to	PART
ajase-2106	35	26	grow	grow	VERB
ajase-2106	35	27	into	into	ADP
ajase-2106	35	28	small	small	ADJ
ajase-2106	35	29	and	and	CCONJ
ajase-2106	35	30	medium	medium	ADJ
ajase-2106	35	31	-	-	PUNCT
ajase-2106	35	32	sized	sized	ADJ
ajase-2106	35	33	enterprises	enterprise	NOUN
ajase-2106	35	34	.	.	PUNCT
ajase-2106	36	1	these	these	DET
ajase-2106	36	2	enterprises	enterprise	NOUN
ajase-2106	36	3	generate	generate	VERB
ajase-2106	36	4	business	business	NOUN
ajase-2106	36	5	opportunities	opportunity	NOUN
ajase-2106	36	6	and	and	CCONJ
ajase-2106	36	7	employment	employment	NOUN
ajase-2106	36	8	(	(	PUNCT
ajase-2106	36	9	blancher	blancher	NOUN
ajase-2106	36	10	et	et	PROPN
ajase-2106	36	11	al	al	PROPN
ajase-2106	36	12	.	.	PROPN
ajase-2106	36	13	,	,	PUNCT
ajase-2106	36	14	2019	2019	NUM
ajase-2106	36	15	)	)	PUNCT
ajase-2106	36	16	.	.	PUNCT
ajase-2106	37	1	it	it	PRON
ajase-2106	37	2	’s	’	VERB
ajase-2106	37	3	worth	worth	ADJ
ajase-2106	37	4	noting	note	VERB
ajase-2106	37	5	that	that	SCONJ
ajase-2106	37	6	the	the	DET
ajase-2106	37	7	widespread	widespread	ADJ
ajase-2106	37	8	availability	availability	NOUN
ajase-2106	37	9	of	of	ADP
ajase-2106	37	10	financial	financial	ADJ
ajase-2106	37	11	services	service	NOUN
ajase-2106	37	12	and	and	CCONJ
ajase-2106	37	13	broadening	broaden	VERB
ajase-2106	37	14	participation	participation	NOUN
ajase-2106	37	15	in	in	ADP
ajase-2106	37	16	the	the	DET
ajase-2106	37	17	formal	formal	ADJ
ajase-2106	37	18	financial	financial	ADJ
ajase-2106	37	19	system	system	NOUN
ajase-2106	37	20	are	be	AUX
ajase-2106	37	21	essential	essential	ADJ
ajase-2106	37	22	factors	factor	NOUN
ajase-2106	37	23	in	in	ADP
ajase-2106	37	24	achieving	achieve	VERB
ajase-2106	37	25	sustainable	sustainable	ADJ
ajase-2106	37	26	development	development	NOUN
ajase-2106	37	27	goals	goal	NOUN
ajase-2106	37	28	,	,	PUNCT
ajase-2106	37	29	improving	improve	VERB
ajase-2106	37	30	living	living	NOUN
ajase-2106	37	31	standards	standard	NOUN
ajase-2106	37	32	,	,	PUNCT
ajase-2106	37	33	empowering	empower	VERB
ajase-2106	37	34	women	woman	NOUN
ajase-2106	37	35	financially	financially	ADV
ajase-2106	37	36	,	,	PUNCT
ajase-2106	37	37	financing	finance	VERB
ajase-2106	37	38	small	small	ADJ
ajase-2106	37	39	and	and	CCONJ
ajase-2106	37	40	medium	medium	ADJ
ajase-2106	37	41	-	-	PUNCT
ajase-2106	37	42	sized	sized	ADJ
ajase-2106	37	43	projects	project	NOUN
ajase-2106	37	44	,	,	PUNCT
ajase-2106	37	45	reducing	reduce	VERB
ajase-2106	37	46	poverty	poverty	NOUN
ajase-2106	37	47	and	and	CCONJ
ajase-2106	37	48	inequality	inequality	NOUN
ajase-2106	37	49	,	,	PUNCT
ajase-2106	37	50	creating	create	VERB
ajase-2106	37	51	jobs	job	NOUN
ajase-2106	37	52	,	,	PUNCT
ajase-2106	37	53	promoting	promote	VERB
ajase-2106	37	54	economic	economic	ADJ
ajase-2106	37	55	growth	growth	NOUN
ajase-2106	37	56	,	,	PUNCT
ajase-2106	37	57	and	and	CCONJ
ajase-2106	37	58	integrating	integrate	VERB
ajase-2106	37	59	the	the	DET
ajase-2106	37	60	informal	informal	ADJ
ajase-2106	37	61	economy	economy	NOUN
ajase-2106	37	62	into	into	ADP
ajase-2106	37	63	the	the	DET
ajase-2106	37	64	formal	formal	ADJ
ajase-2106	37	65	economy	economy	NOUN
ajase-2106	37	66	.	.	PUNCT
ajase-2106	38	1	there	there	PRON
ajase-2106	38	2	is	be	VERB
ajase-2106	38	3	a	a	DET
ajase-2106	38	4	set	set	NOUN
ajase-2106	38	5	of	of	ADP
ajase-2106	38	6	objectives	objective	NOUN
ajase-2106	38	7	that	that	PRON
ajase-2106	38	8	the	the	DET
ajase-2106	38	9	central	central	ADJ
ajase-2106	38	10	bank	bank	NOUN
ajase-2106	38	11	seeks	seek	VERB
ajase-2106	38	12	to	to	PART
ajase-2106	38	13	achieve	achieve	VERB
ajase-2106	38	14	by	by	ADP
ajase-2106	38	15	directing	direct	VERB
ajase-2106	38	16	banks	bank	NOUN
ajase-2106	38	17	to	to	PART
ajase-2106	38	18	hold	hold	VERB
ajase-2106	38	19	annual	annual	ADJ
ajase-2106	38	20	conferences	conference	NOUN
ajase-2106	38	21	and	and	CCONJ
ajase-2106	38	22	compete	compete	VERB
ajase-2106	38	23	among	among	ADP
ajase-2106	38	24	themselves	themselves	PRON
ajase-2106	38	25	to	to	PART
ajase-2106	38	26	achieve	achieve	VERB
ajase-2106	38	27	financial	financial	ADJ
ajase-2106	38	28	inclusion	inclusion	NOUN
ajase-2106	38	29	because	because	SCONJ
ajase-2106	38	30	it	it	PRON
ajase-2106	38	31	can	can	AUX
ajase-2106	38	32	not	not	PART
ajase-2106	38	33	be	be	AUX
ajase-2106	38	34	achieved	achieve	VERB
ajase-2106	38	35	without	without	ADP
ajase-2106	38	36	a	a	DET
ajase-2106	38	37	culture	culture	NOUN
ajase-2106	38	38	.	.	PUNCT
ajase-2106	39	1	the	the	DET
ajase-2106	39	2	informed	informed	ADJ
ajase-2106	39	3	customer	customer	NOUN
ajase-2106	39	4	is	be	AUX
ajase-2106	39	5	more	more	ADV
ajase-2106	39	6	aware	aware	ADJ
ajase-2106	39	7	of	of	ADP
ajase-2106	39	8	the	the	DET
ajase-2106	39	9	risks	risk	NOUN
ajase-2106	39	10	and	and	CCONJ
ajase-2106	39	11	gains	gain	NOUN
ajase-2106	39	12	associated	associate	VERB
ajase-2106	39	13	with	with	ADP
ajase-2106	39	14	financial	financial	ADJ
ajase-2106	39	15	products	product	NOUN
ajase-2106	39	16	and	and	CCONJ
ajase-2106	39	17	more	more	ADV
ajase-2106	39	18	aware	aware	ADJ
ajase-2106	39	19	of	of	ADP
ajase-2106	39	20	their	their	PRON
ajase-2106	39	21	rights	right	NOUN
ajase-2106	39	22	and	and	CCONJ
ajase-2106	39	23	responsibilities	responsibility	NOUN
ajase-2106	39	24	.	.	PUNCT
ajase-2106	40	1	among	among	ADP
ajase-2106	40	2	these	these	DET
ajase-2106	40	3	goals	goal	NOUN
ajase-2106	40	4	mentioned	mention	VERB
ajase-2106	40	5	by	by	ADP
ajase-2106	40	6	researchers	researcher	NOUN
ajase-2106	40	7	such	such	ADJ
ajase-2106	40	8	as	as	ADP
ajase-2106	40	9	(	(	PUNCT
ajase-2106	40	10	al	al	PROPN
ajase-2106	40	11	-	-	PUNCT
ajase-2106	40	12	hasnawi	hasnawi	PROPN
ajase-2106	40	13	&	&	CCONJ
ajase-2106	40	14	mahdi	mahdi	PROPN
ajase-2106	40	15	,	,	PUNCT
ajase-2106	40	16	2020	2020	NUM
ajase-2106	40	17	;	;	PUNCT
ajase-2106	40	18	gabor	gabor	PROPN
ajase-2106	40	19	&	&	CCONJ
ajase-2106	40	20	brooks	brooks	PROPN
ajase-2106	40	21	,	,	PUNCT
ajase-2106	40	22	2017	2017	NUM
ajase-2106	40	23	;	;	PUNCT
ajase-2106	40	24	helms	helm	NOUN
ajase-2106	40	25	,	,	PUNCT
ajase-2106	40	26	2006	2006	NUM
ajase-2106	40	27	;	;	PUNCT
ajase-2106	40	28	ishioro	ishioro	NOUN
ajase-2106	40	29	,	,	PUNCT
ajase-2106	40	30	2022	2022	NUM
ajase-2106	40	31	;	;	PUNCT
ajase-2106	40	32	kumar	kumar	PROPN
ajase-2106	40	33	,	,	PUNCT
ajase-2106	40	34	2011	2011	NUM
ajase-2106	40	35	)	)	PUNCT
ajase-2106	40	36	are	be	AUX
ajase-2106	40	37	;	;	PUNCT
ajase-2106	40	38	promoting	promote	VERB
ajase-2106	40	39	access	access	NOUN
ajase-2106	40	40	for	for	ADP
ajase-2106	40	41	all	all	DET
ajase-2106	40	42	segments	segment	NOUN
ajase-2106	40	43	of	of	ADP
ajase-2106	40	44	society	society	NOUN
ajase-2106	40	45	to	to	ADP
ajase-2106	40	46	financial	financial	ADJ
ajase-2106	40	47	services	service	NOUN
ajase-2106	40	48	,	,	PUNCT
ajase-2106	40	49	informing	inform	VERB
ajase-2106	40	50	individuals	individual	NOUN
ajase-2106	40	51	about	about	ADP
ajase-2106	40	52	the	the	DET
ajase-2106	40	53	importance	importance	NOUN
ajase-2106	40	54	of	of	ADP
ajase-2106	40	55	these	these	DET
ajase-2106	40	56	services	service	NOUN
ajase-2106	40	57	,	,	PUNCT
ajase-2106	40	58	how	how	SCONJ
ajase-2106	40	59	to	to	PART
ajase-2106	40	60	obtain	obtain	VERB
ajase-2106	40	61	them	they	PRON
ajase-2106	40	62	,	,	PUNCT
ajase-2106	40	63	and	and	CCONJ
ajase-2106	40	64	how	how	SCONJ
ajase-2106	40	65	to	to	PART
ajase-2106	40	66	benefit	benefit	VERB
ajase-2106	40	67	from	from	ADP
ajase-2106	40	68	them	they	PRON
ajase-2106	40	69	;	;	PUNCT
ajase-2106	40	70	improving	improve	VERB
ajase-2106	40	71	the	the	DET
ajase-2106	40	72	living	living	NOUN
ajase-2106	40	73	conditions	condition	NOUN
ajase-2106	40	74	of	of	ADP
ajase-2106	40	75	individuals	individual	NOUN
ajase-2106	40	76	,	,	PUNCT
ajase-2106	40	77	especially	especially	ADV
ajase-2106	40	78	the	the	DET
ajase-2106	40	79	poor	poor	ADJ
ajase-2106	40	80	classes	class	NOUN
ajase-2106	40	81	,	,	PUNCT
ajase-2106	40	82	and	and	CCONJ
ajase-2106	40	83	working	work	VERB
ajase-2106	40	84	to	to	PART
ajase-2106	40	85	reduce	reduce	VERB
ajase-2106	40	86	poverty	poverty	NOUN
ajase-2106	40	87	and	and	CCONJ
ajase-2106	40	88	achieve	achieve	VERB
ajase-2106	40	89	prosperity	prosperity	NOUN
ajase-2106	40	90	by	by	ADP
ajase-2106	40	91	promoting	promote	VERB
ajase-2106	40	92	entrepreneurship	entrepreneurship	NOUN
ajase-2106	40	93	,	,	PUNCT
ajase-2106	40	94	providing	provide	VERB
ajase-2106	40	95	economic	economic	ADJ
ajase-2106	40	96	development	development	NOUN
ajase-2106	40	97	opportunities	opportunity	NOUN
ajase-2106	40	98	,	,	PUNCT
ajase-2106	40	99	and	and	CCONJ
ajase-2106	40	100	improving	improve	VERB
ajase-2106	40	101	their	their	PRON
ajase-2106	40	102	social	social	ADJ
ajase-2106	40	103	and	and	CCONJ
ajase-2106	40	104	economic	economic	ADJ
ajase-2106	40	105	conditions	condition	NOUN
ajase-2106	40	106	;	;	PUNCT
ajase-2106	40	107	speeding	speed	VERB
ajase-2106	40	108	up	up	ADP
ajase-2106	40	109	access	access	NOUN
ajase-2106	40	110	to	to	ADP
ajase-2106	40	111	sources	source	NOUN
ajase-2106	40	112	of	of	ADP
ajase-2106	40	113	financing	financing	NOUN
ajase-2106	40	114	and	and	CCONJ
ajase-2106	40	115	providing	provide	VERB
ajase-2106	40	116	support	support	NOUN
ajase-2106	40	117	to	to	ADP
ajase-2106	40	118	small	small	ADJ
ajase-2106	40	119	companies	company	NOUN
ajase-2106	40	120	to	to	PART
ajase-2106	40	121	expand	expand	VERB
ajase-2106	40	122	their	their	PRON
ajase-2106	40	123	operations	operation	NOUN
ajase-2106	40	124	to	to	PART
ajase-2106	40	125	achieve	achieve	VERB
ajase-2106	40	126	the	the	DET
ajase-2106	40	127	required	required	ADJ
ajase-2106	40	128	investment	investment	NOUN
ajase-2106	40	129	;	;	PUNCT
ajase-2106	40	130	establishing	establish	VERB
ajase-2106	40	131	freelance	freelance	NOUN
ajase-2106	40	132	projects	project	NOUN
ajase-2106	40	133	to	to	PART
ajase-2106	40	134	promote	promote	VERB
ajase-2106	40	135	the	the	DET
ajase-2106	40	136	country	country	NOUN
ajase-2106	40	137	’s	’s	PART
ajase-2106	40	138	economic	economic	ADJ
ajase-2106	40	139	growth	growth	NOUN
ajase-2106	40	140	;	;	PUNCT
ajase-2106	40	141	encouraging	encourage	VERB
ajase-2106	40	142	individuals	individual	NOUN
ajase-2106	40	143	to	to	PART
ajase-2106	40	144	save	save	VERB
ajase-2106	40	145	in	in	ADP
ajase-2106	40	146	banks	bank	NOUN
ajase-2106	40	147	and	and	CCONJ
ajase-2106	40	148	invest	invest	VERB
ajase-2106	40	149	money	money	NOUN
ajase-2106	40	150	using	use	VERB
ajase-2106	40	151	optimal	optimal	ADJ
ajase-2106	40	152	methods	method	NOUN
ajase-2106	40	153	,	,	PUNCT
ajase-2106	40	154	such	such	ADJ
ajase-2106	40	155	as	as	ADP
ajase-2106	40	156	creating	create	VERB
ajase-2106	40	157	programs	program	NOUN
ajase-2106	40	158	and	and	CCONJ
ajase-2106	40	159	promoting	promote	VERB
ajase-2106	40	160	a	a	DET
ajase-2106	40	161	culture	culture	NOUN
ajase-2106	40	162	of	of	ADP
ajase-2106	40	163	competition	competition	NOUN
ajase-2106	40	164	.	.	PUNCT
ajase-2106	41	1	the	the	DET
ajase-2106	41	2	group	group	NOUN
ajase-2106	41	3	of	of	ADP
ajase-2106	41	4	twenty	twenty	NUM
ajase-2106	41	5	(	(	PUNCT
ajase-2106	41	6	g20	g20	NOUN
ajase-2106	41	7	)	)	PUNCT
ajase-2106	41	8	issued	issue	VERB
ajase-2106	41	9	,	,	PUNCT
ajase-2106	41	10	along	along	ADP
ajase-2106	41	11	with	with	ADP
ajase-2106	41	12	the	the	DET
ajase-2106	41	13	global	global	ADJ
ajase-2106	41	14	partnership	partnership	NOUN
ajase-2106	41	15	for	for	ADP
ajase-2106	41	16	financial	financial	ADJ
ajase-2106	41	17	inclusion	inclusion	NOUN
ajase-2106	41	18	(	(	PUNCT
ajase-2106	41	19	gpfi	gpfi	NOUN
ajase-2106	41	20	)	)	PUNCT
ajase-2106	41	21	,	,	PUNCT
ajase-2106	41	22	in	in	ADP
ajase-2106	41	23	june	june	PROPN
ajase-2106	41	24	at	at	ADP
ajase-2106	41	25	the	the	DET
ajase-2106	41	26	los	los	PROPN
ajase-2106	41	27	cabos	cabos	PROPN
ajase-2106	41	28	summit	summit	PROPN
ajase-2106	41	29	,	,	PUNCT
ajase-2106	41	30	the	the	DET
ajase-2106	41	31	indicators	indicator	NOUN
ajase-2106	41	32	for	for	ADP
ajase-2106	41	33	measuring	measure	VERB
ajase-2106	41	34	financial	financial	ADJ
ajase-2106	41	35	inclusion	inclusion	NOUN
ajase-2106	41	36	.	.	PUNCT
ajase-2106	42	1	these	these	DET
ajase-2106	42	2	indicators	indicator	NOUN
ajase-2106	42	3	were	be	AUX
ajase-2106	42	4	developed	develop	VERB
ajase-2106	42	5	during	during	ADP
ajase-2106	42	6	the	the	DET
ajase-2106	42	7	2016	2016	NUM
ajase-2106	42	8	china	china	PROPN
ajase-2106	42	9	summit	summit	NOUN
ajase-2106	42	10	for	for	ADP
ajase-2106	42	11	the	the	DET
ajase-2106	42	12	purpose	purpose	NOUN
ajase-2106	42	13	of	of	ADP
ajase-2106	42	14	financial	financial	ADJ
ajase-2106	42	15	inclusion	inclusion	NOUN
ajase-2106	42	16	.	.	PUNCT
ajase-2106	43	1	these	these	DET
ajase-2106	43	2	indicators	indicator	NOUN
ajase-2106	43	3	address	address	VERB
ajase-2106	43	4	three	three	NUM
ajase-2106	43	5	main	main	ADJ
ajase-2106	43	6	dimensions	dimension	NOUN
ajase-2106	43	7	,	,	PUNCT
ajase-2106	43	8	as	as	SCONJ
ajase-2106	43	9	adopted	adopt	VERB
ajase-2106	43	10	by	by	ADP
ajase-2106	43	11	many	many	ADJ
ajase-2106	43	12	authors	author	NOUN
ajase-2106	43	13	and	and	CCONJ
ajase-2106	43	14	researchers	researcher	NOUN
ajase-2106	43	15	in	in	ADP
ajase-2106	43	16	their	their	PRON
ajase-2106	43	17	books	book	NOUN
ajase-2106	43	18	and	and	CCONJ
ajase-2106	43	19	studies	study	NOUN
ajase-2106	43	20	,	,	PUNCT
ajase-2106	43	21	including	include	VERB
ajase-2106	43	22	(	(	PUNCT
ajase-2106	43	23	al	al	PROPN
ajase-2106	43	24	-	-	PUNCT
ajase-2106	43	25	chahadah	chahadah	NOUN
ajase-2106	43	26	et	et	PROPN
ajase-2106	43	27	al	al	PROPN
ajase-2106	43	28	.	.	PROPN
ajase-2106	43	29	,	,	PUNCT
ajase-2106	43	30	2020	2020	NUM
ajase-2106	43	31	;	;	PUNCT
ajase-2106	43	32	eldomiaty	eldomiaty	NOUN
ajase-2106	43	33	et	et	PROPN
ajase-2106	43	34	al	al	PROPN
ajase-2106	43	35	.	.	PROPN
ajase-2106	43	36	,	,	PUNCT
ajase-2106	43	37	2020	2020	NUM
ajase-2106	43	38	;	;	PUNCT
ajase-2106	43	39	maher	maher	PROPN
ajase-2106	43	40	,	,	PUNCT
ajase-2106	43	41	2022	2022	NUM
ajase-2106	43	42	)	)	PUNCT
ajase-2106	43	43	:	:	PUNCT
ajase-2106	44	1	(	(	PUNCT
ajase-2106	44	2	1	1	X
ajase-2106	44	3	)	)	PUNCT
ajase-2106	44	4	access	access	NOUN
ajase-2106	44	5	to	to	ADP
ajase-2106	44	6	financial	financial	ADJ
ajase-2106	44	7	services	service	NOUN
ajase-2106	44	8	.	.	PUNCT
ajase-2106	45	1	(	(	PUNCT
ajase-2106	45	2	2	2	X
ajase-2106	45	3	)	)	PUNCT
ajase-2106	45	4	usage	usage	NOUN
ajase-2106	45	5	of	of	ADP
ajase-2106	45	6	financial	financial	ADJ
ajase-2106	45	7	services	service	NOUN
ajase-2106	45	8	.	.	PUNCT
ajase-2106	46	1	and	and	CCONJ
ajase-2106	46	2	(	(	PUNCT
ajase-2106	46	3	3	3	X
ajase-2106	46	4	)	)	PUNCT
ajase-2106	46	5	the	the	DET
ajase-2106	46	6	quality	quality	NOUN
ajase-2106	46	7	of	of	ADP
ajase-2106	46	8	financial	financial	ADJ
ajase-2106	46	9	services	service	NOUN
ajase-2106	46	10	,	,	PUNCT
ajase-2106	46	11	including	include	VERB
ajase-2106	46	12	the	the	DET
ajase-2106	46	13	quality	quality	NOUN
ajase-2106	46	14	of	of	ADP
ajase-2106	46	15	products	product	NOUN
ajase-2106	46	16	and	and	CCONJ
ajase-2106	46	17	service	service	NOUN
ajase-2106	46	18	delivery	delivery	NOUN
ajase-2106	46	19	.	.	PUNCT
ajase-2106	47	1	banking	banking	NOUN
ajase-2106	47	2	stability	stability	NOUN
ajase-2106	47	3	the	the	DET
ajase-2106	47	4	authors	author	NOUN
ajase-2106	47	5	and	and	CCONJ
ajase-2106	47	6	researchers	researcher	NOUN
ajase-2106	47	7	have	have	AUX
ajase-2106	47	8	addressed	address	VERB
ajase-2106	47	9	the	the	DET
ajase-2106	47	10	concept	concept	NOUN
ajase-2106	47	11	of	of	ADP
ajase-2106	47	12	banking	banking	NOUN
ajase-2106	47	13	stability	stability	NOUN
ajase-2106	47	14	from	from	ADP
ajase-2106	47	15	various	various	ADJ
ajase-2106	47	16	perspectives	perspective	NOUN
ajase-2106	47	17	.	.	PUNCT
ajase-2106	48	1	(	(	PUNCT
ajase-2106	48	2	shubbar	shubbar	PROPN
ajase-2106	48	3	&	&	CCONJ
ajase-2106	48	4	vladimirovich	vladimirovich	NOUN
ajase-2106	48	5	,	,	PUNCT
ajase-2106	48	6	2019	2019	NUM
ajase-2106	48	7	)	)	PUNCT
ajase-2106	48	8	defined	define	VERB
ajase-2106	48	9	banking	banking	NOUN
ajase-2106	48	10	stability	stability	NOUN
ajase-2106	48	11	as	as	ADP
ajase-2106	48	12	the	the	DET
ajase-2106	48	13	optimal	optimal	ADJ
ajase-2106	48	14	way	way	NOUN
ajase-2106	48	15	of	of	ADP
ajase-2106	48	16	analyzing	analyze	VERB
ajase-2106	48	17	the	the	DET
ajase-2106	48	18	financial	financial	ADJ
ajase-2106	48	19	situation	situation	NOUN
ajase-2106	48	20	to	to	PART
ajase-2106	48	21	avoid	avoid	VERB
ajase-2106	48	22	financial	financial	ADJ
ajase-2106	48	23	crises	crisis	NOUN
ajase-2106	48	24	and	and	CCONJ
ajase-2106	48	25	ensure	ensure	VERB
ajase-2106	48	26	the	the	DET
ajase-2106	48	27	banking	banking	NOUN
ajase-2106	48	28	system	system	NOUN
ajase-2106	48	29	’s	’s	PART
ajase-2106	48	30	stability	stability	NOUN
ajase-2106	48	31	.	.	PUNCT
ajase-2106	49	1	this	this	PRON
ajase-2106	49	2	involves	involve	VERB
ajase-2106	49	3	awareness	awareness	NOUN
ajase-2106	49	4	of	of	ADP
ajase-2106	49	5	the	the	DET
ajase-2106	49	6	need	need	NOUN
ajase-2106	49	7	to	to	PART
ajase-2106	49	8	use	use	VERB
ajase-2106	49	9	an	an	DET
ajase-2106	49	10	organized	organized	ADJ
ajase-2106	49	11	approach	approach	NOUN
ajase-2106	49	12	to	to	PART
ajase-2106	49	13	achieve	achieve	VERB
ajase-2106	49	14	and	and	CCONJ
ajase-2106	49	15	maintain	maintain	VERB
ajase-2106	49	16	stability	stability	NOUN
ajase-2106	49	17	in	in	ADP
ajase-2106	49	18	the	the	DET
ajase-2106	49	19	long	long	ADJ
ajase-2106	49	20	term	term	NOUN
ajase-2106	49	21	,	,	PUNCT
ajase-2106	49	22	both	both	CCONJ
ajase-2106	49	23	at	at	ADP
ajase-2106	49	24	the	the	DET
ajase-2106	49	25	national	national	ADJ
ajase-2106	49	26	and	and	CCONJ
ajase-2106	49	27	regional	regional	ADJ
ajase-2106	49	28	levels	level	NOUN
ajase-2106	49	29	.	.	PUNCT
ajase-2106	50	1	(	(	PUNCT
ajase-2106	50	2	alsomaidaee	alsomaidaee	VERB
ajase-2106	50	3	et	et	PROPN
ajase-2106	50	4	al	al	PROPN
ajase-2106	50	5	.	.	PROPN
ajase-2106	50	6	,	,	PUNCT
ajase-2106	50	7	2023	2023	NUM
ajase-2106	50	8	;	;	PUNCT
ajase-2106	50	9	bhattarai	bhattarai	X
ajase-2106	50	10	,	,	PUNCT
ajase-2106	50	11	2020	2020	NUM
ajase-2106	50	12	)	)	PUNCT
ajase-2106	50	13	emphasized	emphasize	VERB
ajase-2106	50	14	that	that	SCONJ
ajase-2106	50	15	banking	banking	NOUN
ajase-2106	50	16	stability	stability	NOUN
ajase-2106	50	17	plays	play	VERB
ajase-2106	50	18	a	a	DET
ajase-2106	50	19	vital	vital	ADJ
ajase-2106	50	20	role	role	NOUN
ajase-2106	50	21	in	in	ADP
ajase-2106	50	22	the	the	DET
ajase-2106	50	23	economic	economic	ADJ
ajase-2106	50	24	growth	growth	NOUN
ajase-2106	50	25	of	of	ADP
ajase-2106	50	26	a	a	DET
ajase-2106	50	27	country	country	NOUN
ajase-2106	50	28	,	,	PUNCT
ajase-2106	50	29	as	as	SCONJ
ajase-2106	50	30	it	it	PRON
ajase-2106	50	31	is	be	AUX
ajase-2106	50	32	a	a	DET
ajase-2106	50	33	commercial	commercial	ADJ
ajase-2106	50	34	institution	institution	NOUN
ajase-2106	50	35	that	that	PRON
ajase-2106	50	36	must	must	AUX
ajase-2106	50	37	generate	generate	VERB
ajase-2106	50	38	profits	profit	NOUN
ajase-2106	50	39	from	from	ADP
ajase-2106	50	40	its	its	PRON
ajase-2106	50	41	operations	operation	NOUN
ajase-2106	50	42	to	to	PART
ajase-2106	50	43	survive	survive	VERB
ajase-2106	50	44	and	and	CCONJ
ajase-2106	50	45	fulfill	fulfill	VERB
ajase-2106	50	46	its	its	PRON
ajase-2106	50	47	responsibilities	responsibility	NOUN
ajase-2106	50	48	.	.	PUNCT
ajase-2106	51	1	the	the	DET
ajase-2106	51	2	main	main	ADJ
ajase-2106	51	3	activities	activity	NOUN
ajase-2106	51	4	of	of	ADP
ajase-2106	51	5	commercial	commercial	ADJ
ajase-2106	51	6	banks	bank	NOUN
ajase-2106	51	7	include	include	VERB
ajase-2106	51	8	resource	resource	NOUN
ajase-2106	51	9	mobilization	mobilization	NOUN
ajase-2106	51	10	,	,	PUNCT
ajase-2106	51	11	which	which	PRON
ajase-2106	51	12	involves	involve	VERB
ajase-2106	51	13	costs	cost	NOUN
ajase-2106	51	14	,	,	PUNCT
ajase-2106	51	15	and	and	CCONJ
ajase-2106	51	16	profitable	profitable	ADJ
ajase-2106	51	17	resource	resource	NOUN
ajase-2106	51	18	deployment	deployment	NOUN
ajase-2106	51	19	.	.	PUNCT
ajase-2106	52	1	generating	generate	VERB
ajase-2106	52	2	income	income	NOUN
ajase-2106	52	3	exceeding	exceed	VERB
ajase-2106	52	4	expenses	expense	NOUN
ajase-2106	52	5	is	be	AUX
ajase-2106	52	6	the	the	DET
ajase-2106	52	7	primary	primary	ADJ
ajase-2106	52	8	source	source	NOUN
ajase-2106	52	9	of	of	ADP
ajase-2106	52	10	a	a	DET
ajase-2106	52	11	bank	bank	NOUN
ajase-2106	52	12	’s	’s	PART
ajase-2106	52	13	profit	profit	NOUN
ajase-2106	52	14	.	.	PUNCT
ajase-2106	53	1	in	in	ADP
ajase-2106	53	2	cases	case	NOUN
ajase-2106	53	3	where	where	SCONJ
ajase-2106	53	4	the	the	DET
ajase-2106	53	5	bank	bank	NOUN
ajase-2106	53	6	fails	fail	VERB
ajase-2106	53	7	to	to	PART
ajase-2106	53	8	achieve	achieve	VERB
ajase-2106	53	9	sufficient	sufficient	ADJ
ajase-2106	53	10	returns	return	NOUN
ajase-2106	53	11	on	on	ADP
ajase-2106	53	12	the	the	DET
ajase-2106	53	13	allocated	allocate	VERB
ajase-2106	53	14	resources	resource	NOUN
ajase-2106	53	15	,	,	PUNCT
ajase-2106	53	16	it	it	PRON
ajase-2106	53	17	depletes	deplete	VERB
ajase-2106	53	18	both	both	CCONJ
ajase-2106	53	19	the	the	DET
ajase-2106	53	20	company	company	NOUN
ajase-2106	53	21	’s	’s	PART
ajase-2106	53	22	and	and	CCONJ
ajase-2106	53	23	the	the	DET
ajase-2106	53	24	state	state	NOUN
ajase-2106	53	25	’s	’s	PART
ajase-2106	53	26	resources	resource	NOUN
ajase-2106	53	27	.	.	PUNCT
ajase-2106	54	1	assets	asset	NOUN
ajase-2106	54	2	are	be	AUX
ajase-2106	54	3	the	the	DET
ajase-2106	54	4	most	most	ADV
ajase-2106	54	5	important	important	ADJ
ajase-2106	54	6	factor	factor	NOUN
ajase-2106	54	7	in	in	ADP
ajase-2106	54	8	determining	determine	VERB
ajase-2106	54	9	the	the	DET
ajase-2106	54	10	strength	strength	NOUN
ajase-2106	54	11	of	of	ADP
ajase-2106	54	12	any	any	DET
ajase-2106	54	13	financial	financial	ADJ
ajase-2106	54	14	institution	institution	NOUN
ajase-2106	54	15	.	.	PUNCT
ajase-2106	55	1	the	the	DET
ajase-2106	55	2	key	key	ADJ
ajase-2106	55	3	factors	factor	NOUN
ajase-2106	55	4	to	to	PART
ajase-2106	55	5	consider	consider	VERB
ajase-2106	55	6	are	be	AUX
ajase-2106	55	7	the	the	DET
ajase-2106	55	8	quality	quality	NOUN
ajase-2106	55	9	of	of	ADP
ajase-2106	55	10	the	the	DET
ajase-2106	55	11	loan	loan	NOUN
ajase-2106	55	12	portfolio	portfolio	NOUN
ajase-2106	55	13	,	,	PUNCT
ajase-2106	55	14	the	the	DET
ajase-2106	55	15	risk	risk	NOUN
ajase-2106	55	16	asset	asset	NOUN
ajase-2106	55	17	mix	mix	NOUN
ajase-2106	55	18	,	,	PUNCT
ajase-2106	55	19	and	and	CCONJ
ajase-2106	55	20	the	the	DET
ajase-2106	55	21	credit	credit	NOUN
ajase-2106	55	22	management	management	NOUN
ajase-2106	55	23	system	system	NOUN
ajase-2106	55	24	.	.	PUNCT
ajase-2106	56	1	a	a	DET
ajase-2106	56	2	high	high	ADJ
ajase-2106	56	3	level	level	NOUN
ajase-2106	56	4	of	of	ADP
ajase-2106	56	5	non	non	ADJ
ajase-2106	56	6	-	-	ADJ
ajase-2106	56	7	performing	performing	ADJ
ajase-2106	56	8	loans	loan	NOUN
ajase-2106	56	9	is	be	AUX
ajase-2106	56	10	a	a	DET
ajase-2106	56	11	major	major	ADJ
ajase-2106	56	12	concern	concern	NOUN
ajase-2106	56	13	for	for	ADP
ajase-2106	56	14	any	any	DET
ajase-2106	56	15	bank	bank	NOUN
ajase-2106	56	16	.	.	PUNCT
ajase-2106	57	1	(	(	PUNCT
ajase-2106	57	2	my	my	PRON
ajase-2106	57	3	,	,	PUNCT
ajase-2106	57	4	2020	2020	NUM
ajase-2106	57	5	)	)	PUNCT
ajase-2106	57	6	defines	define	VERB
ajase-2106	57	7	the	the	DET
ajase-2106	57	8	concept	concept	NOUN
ajase-2106	57	9	of	of	ADP
ajase-2106	57	10	banking	banking	NOUN
ajase-2106	57	11	stability	stability	NOUN
ajase-2106	57	12	as	as	ADP
ajase-2106	57	13	the	the	DET
ajase-2106	57	14	effective	effective	ADJ
ajase-2106	57	15	execution	execution	NOUN
ajase-2106	57	16	of	of	ADP
ajase-2106	57	17	important	important	ADJ
ajase-2106	57	18	economic	economic	ADJ
ajase-2106	57	19	functions	function	NOUN
ajase-2106	57	20	such	such	ADJ
ajase-2106	57	21	as	as	ADP
ajase-2106	57	22	resource	resource	NOUN
ajase-2106	57	23	allocation	allocation	NOUN
ajase-2106	57	24	and	and	CCONJ
ajase-2106	57	25	risk	risk	NOUN
ajase-2106	57	26	management	management	NOUN
ajase-2106	57	27	,	,	PUNCT
ajase-2106	57	28	the	the	DET
ajase-2106	57	29	ability	ability	NOUN
ajase-2106	57	30	to	to	PART
ajase-2106	57	31	fully	fully	ADV
ajase-2106	57	32	absorb	absorb	VERB
ajase-2106	57	33	shocks	shock	NOUN
ajase-2106	57	34	faced	face	VERB
ajase-2106	57	35	by	by	ADP
ajase-2106	57	36	the	the	DET
ajase-2106	57	37	system	system	NOUN
ajase-2106	57	38	,	,	PUNCT
ajase-2106	57	39	evaluating	evaluate	VERB
ajase-2106	57	40	changes	change	NOUN
ajase-2106	57	41	in	in	ADP
ajase-2106	57	42	financial	financial	ADJ
ajase-2106	57	43	risks	risk	NOUN
ajase-2106	57	44	,	,	PUNCT
ajase-2106	57	45	and	and	CCONJ
ajase-2106	57	46	the	the	DET
ajase-2106	57	47	efficient	efficient	ADJ
ajase-2106	57	48	allocation	allocation	NOUN
ajase-2106	57	49	of	of	ADP
ajase-2106	57	50	resources	resource	NOUN
ajase-2106	57	51	.	.	PUNCT
ajase-2106	58	1	this	this	PRON
ajase-2106	58	2	,	,	PUNCT
ajase-2106	58	3	in	in	ADP
ajase-2106	58	4	turn	turn	NOUN
ajase-2106	58	5	,	,	PUNCT
ajase-2106	58	6	demonstrates	demonstrate	VERB
ajase-2106	58	7	the	the	DET
ajase-2106	58	8	resilience	resilience	NOUN
ajase-2106	58	9	of	of	ADP
ajase-2106	58	10	all	all	DET
ajase-2106	58	11	financial	financial	ADJ
ajase-2106	58	12	activities	activity	NOUN
ajase-2106	58	13	and	and	CCONJ
ajase-2106	58	14	sectors	sector	NOUN
ajase-2106	58	15	to	to	PART
ajase-2106	58	16	reduce	reduce	VERB
ajase-2106	58	17	losses	loss	NOUN
ajase-2106	58	18	occurring	occur	VERB
ajase-2106	58	19	during	during	ADP
ajase-2106	58	20	banking	banking	NOUN
ajase-2106	58	21	crises	crisis	NOUN
ajase-2106	58	22	.	.	PUNCT
ajase-2106	59	1	both	both	DET
ajase-2106	59	2	(	(	PUNCT
ajase-2106	59	3	anh	anh	NOUN
ajase-2106	59	4	et	et	PROPN
ajase-2106	59	5	al	al	PROPN
ajase-2106	59	6	.	.	PROPN
ajase-2106	59	7	,	,	PUNCT
ajase-2106	59	8	2021	2021	NUM
ajase-2106	59	9	)	)	PUNCT
ajase-2106	59	10	,	,	PUNCT
ajase-2106	59	11	and	and	CCONJ
ajase-2106	59	12	(	(	PUNCT
ajase-2106	59	13	sifrain	sifrain	NOUN
ajase-2106	59	14	,	,	PUNCT
ajase-2106	59	15	2021	2021	NUM
ajase-2106	59	16	)	)	PUNCT
ajase-2106	59	17	define	define	VERB
ajase-2106	59	18	banking	banking	NOUN
ajase-2106	59	19	stability	stability	NOUN
ajase-2106	59	20	as	as	ADP
ajase-2106	59	21	a	a	DET
ajase-2106	59	22	state	state	NOUN
ajase-2106	59	23	in	in	ADP
ajase-2106	59	24	which	which	PRON
ajase-2106	59	25	a	a	DET
ajase-2106	59	26	bank	bank	NOUN
ajase-2106	59	27	can	can	AUX
ajase-2106	59	28	operate	operate	VERB
ajase-2106	59	29	smoothly	smoothly	ADV
ajase-2106	59	30	and	and	CCONJ
ajase-2106	59	31	efficiently	efficiently	ADV
ajase-2106	59	32	,	,	PUNCT
ajase-2106	59	33	allowing	allow	VERB
ajase-2106	59	34	it	it	PRON
ajase-2106	59	35	to	to	PART
ajase-2106	59	36	perform	perform	VERB
ajase-2106	59	37	its	its	PRON
ajase-2106	59	38	functions	function	NOUN
ajase-2106	59	39	well	well	ADV
ajase-2106	59	40	,	,	PUNCT
ajase-2106	59	41	such	such	ADJ
ajase-2106	59	42	as	as	ADP
ajase-2106	59	43	resource	resource	NOUN
ajase-2106	59	44	allocation	allocation	NOUN
ajase-2106	59	45	,	,	PUNCT
ajase-2106	59	46	risk	risk	NOUN
ajase-2106	59	47	distribution	distribution	NOUN
ajase-2106	59	48	,	,	PUNCT
ajase-2106	59	49	income	income	NOUN
ajase-2106	59	50	distribution	distribution	NOUN
ajase-2106	59	51	,	,	PUNCT
ajase-2106	59	52	payments	payment	NOUN
ajase-2106	59	53	,	,	PUNCT
ajase-2106	59	54	and	and	CCONJ
ajase-2106	59	55	credit	credit	NOUN
ajase-2106	59	56	.	.	PUNCT
ajase-2106	60	1	additionally	additionally	ADV
ajase-2106	60	2	,	,	PUNCT
ajase-2106	60	3	the	the	DET
ajase-2106	60	4	bank	bank	NOUN
ajase-2106	60	5	must	must	AUX
ajase-2106	60	6	be	be	AUX
ajase-2106	60	7	able	able	ADJ
ajase-2106	60	8	to	to	PART
ajase-2106	60	9	withstand	withstand	VERB
ajase-2106	60	10	external	external	ADJ
ajase-2106	60	11	shocks	shock	NOUN
ajase-2106	60	12	,	,	PUNCT
ajase-2106	60	13	which	which	PRON
ajase-2106	60	14	aligns	align	VERB
ajase-2106	60	15	with	with	ADP
ajase-2106	60	16	.	.	PUNCT
ajase-2106	61	1	the	the	DET
ajase-2106	61	2	importance	importance	NOUN
ajase-2106	61	3	of	of	ADP
ajase-2106	61	4	financial	financial	ADJ
ajase-2106	61	5	stability	stability	NOUN
ajase-2106	61	6	becomes	become	VERB
ajase-2106	61	7	evident	evident	ADJ
ajase-2106	61	8	through	through	ADP
ajase-2106	61	9	the	the	DET
ajase-2106	61	10	repercussions	repercussion	NOUN
ajase-2106	61	11	of	of	ADP
ajase-2106	61	12	recurring	recur	VERB
ajase-2106	61	13	financial	financial	ADJ
ajase-2106	61	14	crises	crisis	NOUN
ajase-2106	61	15	in	in	ADP
ajase-2106	61	16	general	general	ADJ
ajase-2106	61	17	,	,	PUNCT
ajase-2106	61	18	and	and	CCONJ
ajase-2106	61	19	banking	banking	NOUN
ajase-2106	61	20	crises	crisis	NOUN
ajase-2106	61	21	in	in	ADP
ajase-2106	61	22	particular	particular	ADJ
ajase-2106	61	23	,	,	PUNCT
ajase-2106	61	24	which	which	PRON
ajase-2106	61	25	affect	affect	VERB
ajase-2106	61	26	economies	economy	NOUN
ajase-2106	61	27	periodically	periodically	ADV
ajase-2106	61	28	,	,	PUNCT
ajase-2106	61	29	starting	start	VERB
ajase-2106	61	30	from	from	ADP
ajase-2106	61	31	the	the	DET
ajase-2106	61	32	financial	financial	ADJ
ajase-2106	61	33	crisis	crisis	NOUN
ajase-2106	61	34	of	of	ADP
ajase-2106	61	35	2008	2008	NUM
ajase-2106	61	36	and	and	CCONJ
ajase-2106	61	37	extending	extend	VERB
ajase-2106	61	38	to	to	ADP
ajase-2106	61	39	the	the	DET
ajase-2106	61	40	covid-19	covid-19	PROPN
ajase-2106	61	41	crisis	crisis	NOUN
ajase-2106	61	42	.	.	PUNCT
ajase-2106	62	1	this	this	PRON
ajase-2106	62	2	prompts	prompt	VERB
ajase-2106	62	3	central	central	ADJ
ajase-2106	62	4	banks	bank	NOUN
ajase-2106	62	5	to	to	PART
ajase-2106	62	6	focus	focus	VERB
ajase-2106	62	7	on	on	ADP
ajase-2106	62	8	achieving	achieve	VERB
ajase-2106	62	9	financial	financial	ADJ
ajase-2106	62	10	and	and	CCONJ
ajase-2106	62	11	banking	banking	NOUN
ajase-2106	62	12	stability	stability	NOUN
ajase-2106	62	13	in	in	ADP
ajase-2106	62	14	their	their	PRON
ajase-2106	62	15	countries	country	NOUN
ajase-2106	62	16	.	.	PUNCT
ajase-2106	63	1	both	both	PRON
ajase-2106	63	2	(	(	PUNCT
ajase-2106	63	3	uhde	uhde	PROPN
ajase-2106	63	4	&	&	CCONJ
ajase-2106	63	5	heimeshoff	heimeshoff	NOUN
ajase-2106	63	6	,	,	PUNCT
ajase-2106	63	7	2009	2009	NUM
ajase-2106	63	8	)	)	PUNCT
ajase-2106	63	9	and	and	CCONJ
ajase-2106	63	10	(	(	PUNCT
ajase-2106	63	11	alwan	alwan	PROPN
ajase-2106	63	12	&	&	CCONJ
ajase-2106	63	13	kadhim	kadhim	PROPN
ajase-2106	63	14	,	,	PUNCT
ajase-2106	63	15	2020	2020	NUM
ajase-2106	63	16	)	)	PUNCT
ajase-2106	63	17	agree	agree	VERB
ajase-2106	63	18	that	that	SCONJ
ajase-2106	63	19	the	the	DET
ajase-2106	63	20	importance	importance	NOUN
ajase-2106	63	21	of	of	ADP
ajase-2106	63	22	banking	banking	NOUN
ajase-2106	63	23	stability	stability	NOUN
ajase-2106	63	24	lies	lie	VERB
ajase-2106	63	25	in	in	ADP
ajase-2106	63	26	the	the	DET
ajase-2106	63	27	measures	measure	NOUN
ajase-2106	63	28	and	and	CCONJ
ajase-2106	63	29	policies	policy	NOUN
ajase-2106	63	30	adopted	adopt	VERB
ajase-2106	63	31	by	by	ADP
ajase-2106	63	32	banks	bank	NOUN
ajase-2106	63	33	,	,	PUNCT
ajase-2106	63	34	with	with	ADP
ajase-2106	63	35	the	the	DET
ajase-2106	63	36	most	most	ADJ
ajase-2106	63	37	pa	pa	PROPN
ajase-2106	63	38	ge	ge	PROPN
ajase-2106	63	39	50	50	NUM
ajase-2106	63	40	https://journals.e-palli.com/home/index.php/ajase	https://journals.e-palli.com/home/index.php/ajase	PROPN
ajase-2106	63	41	am	am	NOUN
ajase-2106	63	42	.	.	PUNCT
ajase-2106	64	1	j.	j.	PROPN
ajase-2106	64	2	appl	appl	PROPN
ajase-2106	64	3	.	.	PROPN
ajase-2106	65	1	stat	stat	PROPN
ajase-2106	65	2	.	.	PUNCT
ajase-2106	66	1	econ	econ	PROPN
ajase-2106	66	2	.	.	PUNCT
ajase-2106	67	1	2(1	2(1	NUM
ajase-2106	67	2	)	)	PUNCT
ajase-2106	67	3	48	48	NUM
ajase-2106	67	4	-	-	SYM
ajase-2106	67	5	53	53	NUM
ajase-2106	67	6	,	,	PUNCT
ajase-2106	67	7	2023	2023	NUM
ajase-2106	67	8	important	important	ADJ
ajase-2106	67	9	ones	one	NOUN
ajase-2106	67	10	being	be	AUX
ajase-2106	67	11	the	the	DET
ajase-2106	67	12	accuracy	accuracy	NOUN
ajase-2106	67	13	of	of	ADP
ajase-2106	67	14	public	public	ADJ
ajase-2106	67	15	budget	budget	NOUN
ajase-2106	67	16	calculations	calculation	NOUN
ajase-2106	67	17	in	in	ADP
ajase-2106	67	18	the	the	DET
ajase-2106	67	19	operation	operation	NOUN
ajase-2106	67	20	of	of	ADP
ajase-2106	67	21	financial	financial	ADJ
ajase-2106	67	22	institutions	institution	NOUN
ajase-2106	67	23	increases	increase	VERB
ajase-2106	67	24	investor	investor	NOUN
ajase-2106	67	25	confidence	confidence	NOUN
ajase-2106	67	26	and	and	CCONJ
ajase-2106	67	27	transparency	transparency	NOUN
ajase-2106	67	28	in	in	ADP
ajase-2106	67	29	credit	credit	NOUN
ajase-2106	67	30	flow	flow	NOUN
ajase-2106	67	31	,	,	PUNCT
ajase-2106	67	32	as	as	ADV
ajase-2106	67	33	well	well	ADV
ajase-2106	67	34	as	as	ADP
ajase-2106	67	35	an	an	DET
ajase-2106	67	36	increase	increase	NOUN
ajase-2106	67	37	in	in	ADP
ajase-2106	67	38	the	the	DET
ajase-2106	67	39	percentage	percentage	NOUN
ajase-2106	67	40	of	of	ADP
ajase-2106	67	41	credit	credit	NOUN
ajase-2106	67	42	allocation	allocation	NOUN
ajase-2106	67	43	to	to	ADP
ajase-2106	67	44	medium	medium	ADJ
ajase-2106	67	45	and	and	CCONJ
ajase-2106	67	46	small	small	ADJ
ajase-2106	67	47	projects	project	NOUN
ajase-2106	67	48	with	with	ADP
ajase-2106	67	49	feasibility	feasibility	NOUN
ajase-2106	67	50	.	.	PUNCT
ajase-2106	68	1	this	this	PRON
ajase-2106	68	2	helps	help	VERB
ajase-2106	68	3	improve	improve	VERB
ajase-2106	68	4	market	market	NOUN
ajase-2106	68	5	discipline	discipline	NOUN
ajase-2106	68	6	,	,	PUNCT
ajase-2106	68	7	increase	increase	VERB
ajase-2106	68	8	bank	bank	NOUN
ajase-2106	68	9	disclosure	disclosure	NOUN
ajase-2106	68	10	,	,	PUNCT
ajase-2106	68	11	and	and	CCONJ
ajase-2106	68	12	address	address	NOUN
ajase-2106	68	13	cases	case	NOUN
ajase-2106	68	14	where	where	SCONJ
ajase-2106	68	15	banks	bank	NOUN
ajase-2106	68	16	refrain	refrain	VERB
ajase-2106	68	17	from	from	ADP
ajase-2106	68	18	financing	finance	VERB
ajase-2106	68	19	profitable	profitable	ADJ
ajase-2106	68	20	projects	project	NOUN
ajase-2106	68	21	due	due	ADJ
ajase-2106	68	22	to	to	ADP
ajase-2106	68	23	significant	significant	ADJ
ajase-2106	68	24	deviations	deviation	NOUN
ajase-2106	68	25	in	in	ADP
ajase-2106	68	26	asset	asset	NOUN
ajase-2106	68	27	prices	price	NOUN
ajase-2106	68	28	from	from	ADP
ajase-2106	68	29	their	their	PRON
ajase-2106	68	30	true	true	ADJ
ajase-2106	68	31	value	value	NOUN
ajase-2106	68	32	or	or	CCONJ
ajase-2106	68	33	failure	failure	NOUN
ajase-2106	68	34	to	to	PART
ajase-2106	68	35	settle	settle	VERB
ajase-2106	68	36	payments	payment	NOUN
ajase-2106	68	37	on	on	ADP
ajase-2106	68	38	time	time	NOUN
ajase-2106	68	39	.	.	PUNCT
ajase-2106	69	1	banking	banking	NOUN
ajase-2106	69	2	stability	stability	NOUN
ajase-2106	69	3	measures	measure	VERB
ajase-2106	69	4	the	the	DET
ajase-2106	69	5	global	global	ADJ
ajase-2106	69	6	financial	financial	ADJ
ajase-2106	69	7	crisis	crisis	NOUN
ajase-2106	69	8	highlighted	highlight	VERB
ajase-2106	69	9	the	the	DET
ajase-2106	69	10	significant	significant	ADJ
ajase-2106	69	11	impact	impact	NOUN
ajase-2106	69	12	that	that	PRON
ajase-2106	69	13	struggling	struggle	VERB
ajase-2106	69	14	banks	bank	NOUN
ajase-2106	69	15	can	can	AUX
ajase-2106	69	16	have	have	VERB
ajase-2106	69	17	on	on	ADP
ajase-2106	69	18	the	the	DET
ajase-2106	69	19	global	global	ADJ
ajase-2106	69	20	economies	economy	NOUN
ajase-2106	69	21	.	.	PUNCT
ajase-2106	70	1	the	the	DET
ajase-2106	70	2	successful	successful	ADJ
ajase-2106	70	3	development	development	NOUN
ajase-2106	70	4	of	of	ADP
ajase-2106	70	5	an	an	DET
ajase-2106	70	6	economy	economy	NOUN
ajase-2106	70	7	,	,	PUNCT
ajase-2106	70	8	as	as	SCONJ
ajase-2106	70	9	noted	note	VERB
ajase-2106	70	10	by	by	ADP
ajase-2106	70	11	(	(	PUNCT
ajase-2106	70	12	ginevičius	ginevičius	PROPN
ajase-2106	70	13	&	&	CCONJ
ajase-2106	70	14	podviezko	podviezko	PROPN
ajase-2106	70	15	,	,	PUNCT
ajase-2106	70	16	2013	2013	NUM
ajase-2106	70	17	)	)	PUNCT
ajase-2106	70	18	,	,	PUNCT
ajase-2106	70	19	depends	depend	VERB
ajase-2106	70	20	on	on	ADP
ajase-2106	70	21	banks	bank	NOUN
ajase-2106	70	22	’	'	PUNCT
ajase-2106	70	23	efficient	efficient	ADJ
ajase-2106	70	24	and	and	CCONJ
ajase-2106	70	25	stable	stable	ADJ
ajase-2106	70	26	performance	performance	NOUN
ajase-2106	70	27	.	.	PUNCT
ajase-2106	71	1	this	this	PRON
ajase-2106	71	2	leads	lead	VERB
ajase-2106	71	3	to	to	ADP
ajase-2106	71	4	the	the	DET
ajase-2106	71	5	necessity	necessity	NOUN
ajase-2106	71	6	of	of	ADP
ajase-2106	71	7	having	have	VERB
ajase-2106	71	8	sound	sound	ADJ
ajase-2106	71	9	indicators	indicator	NOUN
ajase-2106	71	10	for	for	ADP
ajase-2106	71	11	banks	bank	NOUN
ajase-2106	71	12	,	,	PUNCT
ajase-2106	71	13	as	as	SCONJ
ajase-2106	71	14	risks	risk	NOUN
ajase-2106	71	15	must	must	AUX
ajase-2106	71	16	be	be	AUX
ajase-2106	71	17	identified	identify	VERB
ajase-2106	71	18	by	by	ADP
ajase-2106	71	19	integrating	integrate	VERB
ajase-2106	71	20	both	both	CCONJ
ajase-2106	71	21	internal	internal	ADJ
ajase-2106	71	22	(	(	PUNCT
ajase-2106	71	23	banking	banking	NOUN
ajase-2106	71	24	)	)	PUNCT
ajase-2106	71	25	and	and	CCONJ
ajase-2106	71	26	external	external	ADJ
ajase-2106	71	27	(	(	PUNCT
ajase-2106	71	28	market	market	NOUN
ajase-2106	71	29	)	)	PUNCT
ajase-2106	71	30	factors	factor	NOUN
ajase-2106	71	31	that	that	PRON
ajase-2106	71	32	are	be	AUX
ajase-2106	71	33	easily	easily	ADV
ajase-2106	71	34	accessible	accessible	ADJ
ajase-2106	71	35	and	and	CCONJ
ajase-2106	71	36	can	can	AUX
ajase-2106	71	37	be	be	AUX
ajase-2106	71	38	easily	easily	ADV
ajase-2106	71	39	designed	design	VERB
ajase-2106	71	40	by	by	ADP
ajase-2106	71	41	banks	bank	NOUN
ajase-2106	71	42	(	(	PUNCT
ajase-2106	71	43	j.	j.	PROPN
ajase-2106	71	44	powell	powell	PROPN
ajase-2106	71	45	&	&	CCONJ
ajase-2106	71	46	h.	h.	PROPN
ajase-2106	71	47	vo	vo	PROPN
ajase-2106	71	48	,	,	PUNCT
ajase-2106	71	49	2020	2020	NUM
ajase-2106	71	50	)	)	PUNCT
ajase-2106	71	51	.	.	PUNCT
ajase-2106	72	1	banking	banking	NOUN
ajase-2106	72	2	crises	crisis	NOUN
ajase-2106	72	3	and	and	CCONJ
ajase-2106	72	4	banking	banking	NOUN
ajase-2106	72	5	regulation	regulation	NOUN
ajase-2106	72	6	are	be	AUX
ajase-2106	72	7	recurring	recur	VERB
ajase-2106	72	8	topics	topic	NOUN
ajase-2106	72	9	in	in	ADP
ajase-2106	72	10	economic	economic	ADJ
ajase-2106	72	11	and	and	CCONJ
ajase-2106	72	12	financial	financial	ADJ
ajase-2106	72	13	policy	policy	NOUN
ajase-2106	72	14	discussions	discussion	NOUN
ajase-2106	72	15	.	.	PUNCT
ajase-2106	73	1	since	since	SCONJ
ajase-2106	73	2	the	the	DET
ajase-2106	73	3	early	early	ADJ
ajase-2106	73	4	1970s	1970	NOUN
ajase-2106	73	5	,	,	PUNCT
ajase-2106	73	6	banking	banking	NOUN
ajase-2106	73	7	crises	crisis	NOUN
ajase-2106	73	8	have	have	AUX
ajase-2106	73	9	repeatedly	repeatedly	ADV
ajase-2106	73	10	affected	affect	VERB
ajase-2106	73	11	emerging	emerge	VERB
ajase-2106	73	12	and	and	CCONJ
ajase-2106	73	13	transitional	transitional	ADJ
ajase-2106	73	14	economies	economy	NOUN
ajase-2106	73	15	more	more	ADJ
ajase-2106	73	16	than	than	ADP
ajase-2106	73	17	others	other	NOUN
ajase-2106	73	18	.	.	PUNCT
ajase-2106	74	1	however	however	ADV
ajase-2106	74	2	,	,	PUNCT
ajase-2106	74	3	there	there	PRON
ajase-2106	74	4	is	be	VERB
ajase-2106	74	5	a	a	DET
ajase-2106	74	6	lack	lack	NOUN
ajase-2106	74	7	of	of	ADP
ajase-2106	74	8	understanding	understanding	NOUN
ajase-2106	74	9	of	of	ADP
ajase-2106	74	10	the	the	DET
ajase-2106	74	11	factors	factor	NOUN
ajase-2106	74	12	that	that	PRON
ajase-2106	74	13	generate	generate	VERB
ajase-2106	74	14	banking	banking	NOUN
ajase-2106	74	15	crises	crisis	NOUN
ajase-2106	74	16	.	.	PUNCT
ajase-2106	75	1	regulators	regulator	NOUN
ajase-2106	75	2	tend	tend	VERB
ajase-2106	75	3	to	to	PART
ajase-2106	75	4	assist	assist	VERB
ajase-2106	75	5	troubled	troubled	ADJ
ajase-2106	75	6	institutions	institution	NOUN
ajase-2106	75	7	more	more	ADJ
ajase-2106	75	8	than	than	ADP
ajase-2106	75	9	resolving	resolve	VERB
ajase-2106	75	10	them	they	PRON
ajase-2106	75	11	.	.	PUNCT
ajase-2106	76	1	prudential	prudential	PROPN
ajase-2106	76	2	regulatory	regulatory	ADJ
ajase-2106	76	3	controls	control	NOUN
ajase-2106	76	4	aim	aim	VERB
ajase-2106	76	5	to	to	PART
ajase-2106	76	6	reduce	reduce	VERB
ajase-2106	76	7	excessive	excessive	ADJ
ajase-2106	76	8	banking	banking	NOUN
ajase-2106	76	9	risks	risk	NOUN
ajase-2106	76	10	and	and	CCONJ
ajase-2106	76	11	capital	capital	NOUN
ajase-2106	76	12	shortfalls	shortfall	NOUN
ajase-2106	76	13	in	in	ADP
ajase-2106	76	14	an	an	DET
ajase-2106	76	15	attempt	attempt	NOUN
ajase-2106	76	16	to	to	PART
ajase-2106	76	17	protect	protect	VERB
ajase-2106	76	18	society	society	NOUN
ajase-2106	76	19	(	(	PUNCT
ajase-2106	76	20	kane	kane	PROPN
ajase-2106	76	21	,	,	PUNCT
ajase-2106	76	22	2016	2016	NUM
ajase-2106	76	23	)	)	PUNCT
ajase-2106	76	24	.	.	PUNCT
ajase-2106	77	1	unfortunately	unfortunately	ADV
ajase-2106	77	2	,	,	PUNCT
ajase-2106	77	3	these	these	DET
ajase-2106	77	4	controls	control	NOUN
ajase-2106	77	5	often	often	ADV
ajase-2106	77	6	come	come	VERB
ajase-2106	77	7	too	too	ADV
ajase-2106	77	8	late	late	ADV
ajase-2106	77	9	,	,	PUNCT
ajase-2106	77	10	after	after	SCONJ
ajase-2106	77	11	the	the	DET
ajase-2106	77	12	crisis	crisis	NOUN
ajase-2106	77	13	has	have	AUX
ajase-2106	77	14	already	already	ADV
ajase-2106	77	15	spread	spread	VERB
ajase-2106	77	16	.	.	PUNCT
ajase-2106	78	1	therefore	therefore	ADV
ajase-2106	78	2	,	,	PUNCT
ajase-2106	78	3	a	a	DET
ajase-2106	78	4	better	well	ADJ
ajase-2106	78	5	understanding	understanding	NOUN
ajase-2106	78	6	of	of	ADP
ajase-2106	78	7	risk	risk	NOUN
ajase-2106	78	8	factors	factor	NOUN
ajase-2106	78	9	can	can	AUX
ajase-2106	78	10	be	be	AUX
ajase-2106	78	11	useful	useful	ADJ
ajase-2106	78	12	in	in	ADP
ajase-2106	78	13	reducing	reduce	VERB
ajase-2106	78	14	risks	risk	NOUN
ajase-2106	78	15	,	,	PUNCT
ajase-2106	78	16	especially	especially	ADV
ajase-2106	78	17	when	when	SCONJ
ajase-2106	78	18	regulatory	regulatory	ADJ
ajase-2106	78	19	authorities	authority	NOUN
ajase-2106	78	20	can	can	AUX
ajase-2106	78	21	address	address	VERB
ajase-2106	78	22	distress	distress	NOUN
ajase-2106	78	23	situations	situation	NOUN
ajase-2106	78	24	before	before	SCONJ
ajase-2106	78	25	they	they	PRON
ajase-2106	78	26	spread	spread	VERB
ajase-2106	78	27	to	to	ADP
ajase-2106	78	28	the	the	DET
ajase-2106	78	29	broader	broad	ADJ
ajase-2106	78	30	financial	financial	ADJ
ajase-2106	78	31	system	system	NOUN
ajase-2106	78	32	(	(	PUNCT
ajase-2106	78	33	martínez	martínez	NOUN
ajase-2106	78	34	-	-	PUNCT
ajase-2106	78	35	malvar	malvar	NOUN
ajase-2106	78	36	&	&	CCONJ
ajase-2106	78	37	baselgapascual	baselgapascual	ADJ
ajase-2106	78	38	,	,	PUNCT
ajase-2106	78	39	2020	2020	NUM
ajase-2106	78	40	)	)	PUNCT
ajase-2106	78	41	.	.	PUNCT
ajase-2106	79	1	the	the	DET
ajase-2106	79	2	increase	increase	NOUN
ajase-2106	79	3	in	in	ADP
ajase-2106	79	4	capital	capital	NOUN
ajase-2106	79	5	adequacy	adequacy	NOUN
ajase-2106	79	6	has	have	AUX
ajase-2106	79	7	become	become	VERB
ajase-2106	79	8	a	a	DET
ajase-2106	79	9	more	more	ADV
ajase-2106	79	10	important	important	ADJ
ajase-2106	79	11	strategy	strategy	NOUN
ajase-2106	79	12	for	for	ADP
ajase-2106	79	13	enhancing	enhance	VERB
ajase-2106	79	14	banking	banking	NOUN
ajase-2106	79	15	stability	stability	NOUN
ajase-2106	79	16	in	in	ADP
ajase-2106	79	17	the	the	DET
ajase-2106	79	18	aftermath	aftermath	NOUN
ajase-2106	79	19	of	of	ADP
ajase-2106	79	20	the	the	DET
ajase-2106	79	21	global	global	ADJ
ajase-2106	79	22	financial	financial	ADJ
ajase-2106	79	23	crisis	crisis	NOUN
ajase-2106	79	24	of	of	ADP
ajase-2106	79	25	20072009	20072009	NUM
ajase-2106	79	26	.	.	PUNCT
ajase-2106	80	1	during	during	ADP
ajase-2106	80	2	this	this	DET
ajase-2106	80	3	period	period	NOUN
ajase-2106	80	4	,	,	PUNCT
ajase-2106	80	5	most	most	ADJ
ajase-2106	80	6	central	central	ADJ
ajase-2106	80	7	banks	bank	NOUN
ajase-2106	80	8	proposed	propose	VERB
ajase-2106	80	9	an	an	DET
ajase-2106	80	10	increase	increase	NOUN
ajase-2106	80	11	in	in	ADP
ajase-2106	80	12	capital	capital	NOUN
ajase-2106	80	13	adequacy	adequacy	NOUN
ajase-2106	80	14	as	as	ADP
ajase-2106	80	15	a	a	DET
ajase-2106	80	16	requirement	requirement	NOUN
ajase-2106	80	17	for	for	ADP
ajase-2106	80	18	building	build	VERB
ajase-2106	80	19	stability	stability	NOUN
ajase-2106	80	20	in	in	ADP
ajase-2106	80	21	the	the	DET
ajase-2106	80	22	banking	banking	NOUN
ajase-2106	80	23	industry	industry	NOUN
ajase-2106	80	24	(	(	PUNCT
ajase-2106	80	25	sulemana	sulemana	PROPN
ajase-2106	80	26	et	et	PROPN
ajase-2106	80	27	al	al	PROPN
ajase-2106	80	28	.	.	PROPN
ajase-2106	80	29	,	,	PUNCT
ajase-2106	80	30	2018	2018	NUM
ajase-2106	80	31	)	)	PUNCT
ajase-2106	80	32	.	.	PUNCT
ajase-2106	81	1	to	to	ADP
ajase-2106	81	2	the	the	DET
ajase-2106	81	3	best	good	ADJ
ajase-2106	81	4	of	of	ADP
ajase-2106	81	5	the	the	DET
ajase-2106	81	6	researcher	researcher	NOUN
ajase-2106	81	7	’s	’s	PART
ajase-2106	81	8	knowledge	knowledge	NOUN
ajase-2106	81	9	and	and	CCONJ
ajase-2106	81	10	information	information	NOUN
ajase-2106	81	11	,	,	PUNCT
ajase-2106	81	12	several	several	ADJ
ajase-2106	81	13	authors	author	NOUN
ajase-2106	81	14	and	and	CCONJ
ajase-2106	81	15	researchers	researcher	NOUN
ajase-2106	81	16	have	have	AUX
ajase-2106	81	17	concurred	concur	VERB
ajase-2106	81	18	,	,	PUNCT
ajase-2106	81	19	including	include	VERB
ajase-2106	81	20	(	(	PUNCT
ajase-2106	81	21	chouhan	chouhan	PROPN
ajase-2106	81	22	et	et	PROPN
ajase-2106	81	23	al	al	PROPN
ajase-2106	81	24	.	.	PROPN
ajase-2106	81	25	,	,	PUNCT
ajase-2106	81	26	2014	2014	NUM
ajase-2106	81	27	;	;	PUNCT
ajase-2106	81	28	mutarindwa	mutarindwa	VERB
ajase-2106	81	29	et	et	PROPN
ajase-2106	81	30	al	al	PROPN
ajase-2106	81	31	.	.	PROPN
ajase-2106	81	32	,	,	PUNCT
ajase-2106	81	33	2020	2020	NUM
ajase-2106	81	34	;	;	PUNCT
ajase-2106	81	35	oyetade	oyetade	PROPN
ajase-2106	81	36	et	et	PROPN
ajase-2106	81	37	al	al	PROPN
ajase-2106	81	38	.	.	PROPN
ajase-2106	81	39	,	,	PUNCT
ajase-2106	81	40	2022	2022	NUM
ajase-2106	81	41	;	;	PUNCT
ajase-2106	81	42	yunita	yunita	NOUN
ajase-2106	81	43	,	,	PUNCT
ajase-2106	81	44	2022	2022	NUM
ajase-2106	81	45	)	)	PUNCT
ajase-2106	81	46	.	.	PUNCT
ajase-2106	82	1	they	they	PRON
ajase-2106	82	2	used	use	VERB
ajase-2106	82	3	the	the	DET
ajase-2106	82	4	z	z	NOUN
ajase-2106	82	5	-	-	PUNCT
ajase-2106	82	6	score	score	NOUN
ajase-2106	82	7	indicator	indicator	NOUN
ajase-2106	82	8	to	to	PART
ajase-2106	82	9	measure	measure	VERB
ajase-2106	82	10	banking	banking	NOUN
ajase-2106	82	11	stability	stability	NOUN
ajase-2106	82	12	.	.	PUNCT
ajase-2106	83	1	the	the	DET
ajase-2106	83	2	banking	banking	NOUN
ajase-2106	83	3	financial	financial	ADJ
ajase-2106	83	4	stability	stability	NOUN
ajase-2106	83	5	indicator	indicator	NOUN
ajase-2106	83	6	(	(	PUNCT
ajase-2106	83	7	z	z	NOUN
ajase-2106	83	8	-	-	PUNCT
ajase-2106	83	9	score	score	NOUN
ajase-2106	83	10	)	)	PUNCT
ajase-2106	83	11	plays	play	VERB
ajase-2106	83	12	a	a	DET
ajase-2106	83	13	vital	vital	ADJ
ajase-2106	83	14	role	role	NOUN
ajase-2106	83	15	in	in	ADP
ajase-2106	83	16	enhancing	enhance	VERB
ajase-2106	83	17	the	the	DET
ajase-2106	83	18	reputation	reputation	NOUN
ajase-2106	83	19	and	and	CCONJ
ajase-2106	83	20	security	security	NOUN
ajase-2106	83	21	of	of	ADP
ajase-2106	83	22	the	the	DET
ajase-2106	83	23	banking	banking	NOUN
ajase-2106	83	24	system	system	NOUN
ajase-2106	83	25	and	and	CCONJ
ajase-2106	83	26	increasing	increase	VERB
ajase-2106	83	27	international	international	ADJ
ajase-2106	83	28	trade	trade	NOUN
ajase-2106	83	29	in	in	ADP
ajase-2106	83	30	light	light	NOUN
ajase-2106	83	31	of	of	ADP
ajase-2106	83	32	the	the	DET
ajase-2106	83	33	significant	significant	ADJ
ajase-2106	83	34	economic	economic	ADJ
ajase-2106	83	35	growth	growth	NOUN
ajase-2106	83	36	in	in	ADP
ajase-2106	83	37	countries	country	NOUN
ajase-2106	83	38	that	that	PRON
ajase-2106	83	39	impact	impact	VERB
ajase-2106	83	40	banking	banking	NOUN
ajase-2106	83	41	services	service	NOUN
ajase-2106	83	42	.	.	PUNCT
ajase-2106	84	1	this	this	DET
ajase-2106	84	2	indicator	indicator	NOUN
ajase-2106	84	3	suggests	suggest	VERB
ajase-2106	84	4	the	the	DET
ajase-2106	84	5	ability	ability	NOUN
ajase-2106	84	6	to	to	PART
ajase-2106	84	7	predict	predict	VERB
ajase-2106	84	8	financial	financial	ADJ
ajase-2106	84	9	crises	crisis	NOUN
ajase-2106	84	10	(	(	PUNCT
ajase-2106	84	11	alshubiri	alshubiri	ADV
ajase-2106	84	12	,	,	PUNCT
ajase-2106	84	13	2017	2017	NUM
ajase-2106	84	14	)	)	PUNCT
ajase-2106	84	15	and	and	CCONJ
ajase-2106	84	16	can	can	AUX
ajase-2106	84	17	be	be	AUX
ajase-2106	84	18	counted	count	VERB
ajase-2106	84	19	as	as	ADP
ajase-2106	84	20	an	an	DET
ajase-2106	84	21	early	early	ADJ
ajase-2106	84	22	warning	warning	NOUN
ajase-2106	84	23	system	system	NOUN
ajase-2106	84	24	for	for	ADP
ajase-2106	84	25	the	the	DET
ajase-2106	84	26	banking	banking	NOUN
ajase-2106	84	27	system	system	NOUN
ajase-2106	84	28	(	(	PUNCT
ajase-2106	84	29	faruqinata	faruqinata	PROPN
ajase-2106	84	30	&	&	CCONJ
ajase-2106	84	31	wibowo	wibowo	PROPN
ajase-2106	84	32	,	,	PUNCT
ajase-2106	84	33	2020	2020	NUM
ajase-2106	84	34	)	)	PUNCT
ajase-2106	84	35	.	.	PUNCT
ajase-2106	85	1	the	the	DET
ajase-2106	85	2	postglobal	postglobal	ADJ
ajase-2106	85	3	financial	financial	ADJ
ajase-2106	85	4	crisis	crisis	NOUN
ajase-2106	85	5	period	period	NOUN
ajase-2106	85	6	of	of	ADP
ajase-2106	85	7	2007	2007	NUM
ajase-2106	85	8	-	-	SYM
ajase-2106	85	9	2009	2009	NUM
ajase-2106	85	10	witnessed	witness	VERB
ajase-2106	85	11	numerous	numerous	ADJ
ajase-2106	85	12	experimental	experimental	ADJ
ajase-2106	85	13	efforts	effort	NOUN
ajase-2106	85	14	to	to	PART
ajase-2106	85	15	assess	assess	VERB
ajase-2106	85	16	the	the	DET
ajase-2106	85	17	effectiveness	effectiveness	NOUN
ajase-2106	85	18	of	of	ADP
ajase-2106	85	19	discriminative	discriminative	NOUN
ajase-2106	85	20	analysis	analysis	NOUN
ajase-2106	85	21	.	.	PUNCT
ajase-2106	86	1	most	most	ADJ
ajase-2106	86	2	of	of	ADP
ajase-2106	86	3	these	these	DET
ajase-2106	86	4	studies	study	NOUN
ajase-2106	86	5	focused	focus	VERB
ajase-2106	86	6	on	on	ADP
ajase-2106	86	7	cases	case	NOUN
ajase-2106	86	8	of	of	ADP
ajase-2106	86	9	bank	bank	NOUN
ajase-2106	86	10	failures	failure	NOUN
ajase-2106	86	11	during	during	ADP
ajase-2106	86	12	the	the	DET
ajase-2106	86	13	financial	financial	ADJ
ajase-2106	86	14	crisis	crisis	NOUN
ajase-2106	86	15	,	,	PUNCT
ajase-2106	86	16	increasing	increase	VERB
ajase-2106	86	17	interest	interest	NOUN
ajase-2106	86	18	in	in	ADP
ajase-2106	86	19	the	the	DET
ajase-2106	86	20	z	z	NOUN
ajase-2106	86	21	-	-	PUNCT
ajase-2106	86	22	score	score	NOUN
ajase-2106	86	23	indicator	indicator	NOUN
ajase-2106	86	24	from	from	ADP
ajase-2106	86	25	earlier	early	ADJ
ajase-2106	86	26	times	time	NOUN
ajase-2106	86	27	(	(	PUNCT
ajase-2106	86	28	mugo	mugo	PROPN
ajase-2106	86	29	,	,	PUNCT
ajase-2106	86	30	2021	2021	NUM
ajase-2106	86	31	)	)	PUNCT
ajase-2106	86	32	.	.	PUNCT
ajase-2106	87	1	(	(	PUNCT
ajase-2106	87	2	syed	sye	VERB
ajase-2106	87	3	et	et	PROPN
ajase-2106	87	4	al	al	PROPN
ajase-2106	87	5	.	.	PROPN
ajase-2106	87	6	,	,	PUNCT
ajase-2106	87	7	2022	2022	NUM
ajase-2106	87	8	)	)	PUNCT
ajase-2106	87	9	emphasized	emphasize	VERB
ajase-2106	87	10	that	that	SCONJ
ajase-2106	87	11	the	the	DET
ajase-2106	87	12	z	z	NOUN
ajase-2106	87	13	-	-	PUNCT
ajase-2106	87	14	score	score	NOUN
ajase-2106	87	15	indicator	indicator	NOUN
ajase-2106	87	16	is	be	AUX
ajase-2106	87	17	important	important	ADJ
ajase-2106	87	18	in	in	ADP
ajase-2106	87	19	achieving	achieve	VERB
ajase-2106	87	20	banking	banking	NOUN
ajase-2106	87	21	stability	stability	NOUN
ajase-2106	87	22	,	,	PUNCT
ajase-2106	87	23	a	a	DET
ajase-2106	87	24	point	point	NOUN
ajase-2106	87	25	reiterated	reiterate	VERB
ajase-2106	87	26	by	by	ADP
ajase-2106	87	27	(	(	PUNCT
ajase-2106	87	28	oyetade	oyetade	PROPN
ajase-2106	87	29	et	et	PROPN
ajase-2106	87	30	al	al	PROPN
ajase-2106	87	31	.	.	PROPN
ajase-2106	87	32	,	,	PUNCT
ajase-2106	87	33	2022	2022	NUM
ajase-2106	87	34	)	)	PUNCT
ajase-2106	87	35	.	.	PUNCT
ajase-2106	88	1	z	z	X
ajase-2106	88	2	-	-	PUNCT
ajase-2106	88	3	score	score	NOUN
ajase-2106	88	4	is	be	AUX
ajase-2106	88	5	a	a	DET
ajase-2106	88	6	measure	measure	NOUN
ajase-2106	88	7	used	use	VERB
ajase-2106	88	8	to	to	PART
ajase-2106	88	9	predict	predict	VERB
ajase-2106	88	10	bank	bank	NOUN
ajase-2106	88	11	failure	failure	NOUN
ajase-2106	88	12	or	or	CCONJ
ajase-2106	88	13	financial	financial	ADJ
ajase-2106	88	14	distress	distress	NOUN
ajase-2106	88	15	and	and	CCONJ
ajase-2106	88	16	is	be	AUX
ajase-2106	88	17	a	a	DET
ajase-2106	88	18	common	common	ADJ
ajase-2106	88	19	measure	measure	NOUN
ajase-2106	88	20	of	of	ADP
ajase-2106	88	21	banking	banking	NOUN
ajase-2106	88	22	resilience	resilience	NOUN
ajase-2106	88	23	,	,	PUNCT
ajase-2106	88	24	assessing	assess	VERB
ajase-2106	88	25	the	the	DET
ajase-2106	88	26	extent	extent	NOUN
ajase-2106	88	27	to	to	PART
ajase-2106	88	28	which	which	PRON
ajase-2106	88	29	a	a	DET
ajase-2106	88	30	bank	bank	NOUN
ajase-2106	88	31	’s	’s	PART
ajase-2106	88	32	capital	capital	NOUN
ajase-2106	88	33	can	can	AUX
ajase-2106	88	34	cover	cover	VERB
ajase-2106	88	35	losses	loss	NOUN
ajase-2106	88	36	resulting	result	VERB
ajase-2106	88	37	from	from	ADP
ajase-2106	88	38	variations	variation	NOUN
ajase-2106	88	39	in	in	ADP
ajase-2106	88	40	returns	return	NOUN
ajase-2106	88	41	without	without	ADP
ajase-2106	88	42	going	go	VERB
ajase-2106	88	43	bankrupt	bankrupt	ADJ
ajase-2106	88	44	.	.	PUNCT
ajase-2106	89	1	methodology	methodology	NOUN
ajase-2106	89	2	the	the	DET
ajase-2106	89	3	research	research	NOUN
ajase-2106	89	4	sample	sample	NOUN
ajase-2106	89	5	represents	represent	VERB
ajase-2106	89	6	the	the	DET
ajase-2106	89	7	iraqi	iraqi	ADJ
ajase-2106	89	8	banking	banking	NOUN
ajase-2106	89	9	system	system	NOUN
ajase-2106	89	10	in	in	ADP
ajase-2106	89	11	its	its	PRON
ajase-2106	89	12	entirety	entirety	NOUN
ajase-2106	89	13	.	.	PUNCT
ajase-2106	90	1	this	this	PRON
ajase-2106	90	2	is	be	AUX
ajase-2106	90	3	because	because	SCONJ
ajase-2106	90	4	there	there	PRON
ajase-2106	90	5	were	be	VERB
ajase-2106	90	6	changes	change	NOUN
ajase-2106	90	7	in	in	ADP
ajase-2106	90	8	the	the	DET
ajase-2106	90	9	structure	structure	NOUN
ajase-2106	90	10	of	of	ADP
ajase-2106	90	11	the	the	DET
ajase-2106	90	12	banking	banking	NOUN
ajase-2106	90	13	system	system	NOUN
ajase-2106	90	14	during	during	ADP
ajase-2106	90	15	2021	2021	NUM
ajase-2106	90	16	,	,	PUNCT
ajase-2106	90	17	due	due	ADP
ajase-2106	90	18	to	to	ADP
ajase-2106	90	19	the	the	DET
ajase-2106	90	20	entry	entry	NOUN
ajase-2106	90	21	of	of	ADP
ajase-2106	90	22	some	some	DET
ajase-2106	90	23	local	local	ADJ
ajase-2106	90	24	banks	bank	NOUN
ajase-2106	90	25	and	and	CCONJ
ajase-2106	90	26	the	the	DET
ajase-2106	90	27	exit	exit	NOUN
ajase-2106	90	28	of	of	ADP
ajase-2106	90	29	some	some	DET
ajase-2106	90	30	foreign	foreign	ADJ
ajase-2106	90	31	banks	bank	NOUN
ajase-2106	90	32	from	from	ADP
ajase-2106	90	33	the	the	DET
ajase-2106	90	34	banking	banking	NOUN
ajase-2106	90	35	sector	sector	NOUN
ajase-2106	90	36	,	,	PUNCT
ajase-2106	90	37	particularly	particularly	ADV
ajase-2106	90	38	lebanese	lebanese	ADJ
ajase-2106	90	39	banks	bank	NOUN
ajase-2106	90	40	that	that	PRON
ajase-2106	90	41	were	be	AUX
ajase-2106	90	42	invested	invest	VERB
ajase-2106	90	43	in	in	ADP
ajase-2106	90	44	iraq	iraq	PROPN
ajase-2106	90	45	.	.	PUNCT
ajase-2106	91	1	this	this	PRON
ajase-2106	91	2	resulted	result	VERB
ajase-2106	91	3	from	from	ADP
ajase-2106	91	4	the	the	DET
ajase-2106	91	5	economic	economic	ADJ
ajase-2106	91	6	crisis	crisis	NOUN
ajase-2106	91	7	in	in	ADP
ajase-2106	91	8	lebanon	lebanon	PROPN
ajase-2106	91	9	,	,	PUNCT
ajase-2106	91	10	which	which	PRON
ajase-2106	91	11	led	lead	VERB
ajase-2106	91	12	lebanese	lebanese	ADJ
ajase-2106	91	13	banks	bank	NOUN
ajase-2106	91	14	to	to	PART
ajase-2106	91	15	withdraw	withdraw	VERB
ajase-2106	91	16	from	from	ADP
ajase-2106	91	17	some	some	DET
ajase-2106	91	18	countries	country	NOUN
ajase-2106	91	19	,	,	PUNCT
ajase-2106	91	20	including	include	VERB
ajase-2106	91	21	iraq	iraq	PROPN
ajase-2106	91	22	.	.	PUNCT
ajase-2106	92	1	the	the	DET
ajase-2106	92	2	total	total	ADJ
ajase-2106	92	3	number	number	NOUN
ajase-2106	92	4	of	of	ADP
ajase-2106	92	5	operating	operate	VERB
ajase-2106	92	6	banks	bank	NOUN
ajase-2106	92	7	,	,	PUNCT
ajase-2106	92	8	with	with	ADP
ajase-2106	92	9	the	the	DET
ajase-2106	92	10	central	central	ADJ
ajase-2106	92	11	bank	bank	NOUN
ajase-2106	92	12	of	of	ADP
ajase-2106	92	13	iraq	iraq	PROPN
ajase-2106	92	14	at	at	ADP
ajase-2106	92	15	the	the	DET
ajase-2106	92	16	forefront	forefront	NOUN
ajase-2106	92	17	,	,	PUNCT
ajase-2106	92	18	became	become	VERB
ajase-2106	92	19	74	74	NUM
ajase-2106	92	20	banks	bank	NOUN
ajase-2106	92	21	,	,	PUNCT
ajase-2106	92	22	including	include	VERB
ajase-2106	92	23	7	7	NUM
ajase-2106	92	24	government	government	NOUN
ajase-2106	92	25	banks	bank	NOUN
ajase-2106	92	26	and	and	CCONJ
ajase-2106	92	27	3	3	NUM
ajase-2106	92	28	specialized	specialized	ADJ
ajase-2106	92	29	banks	bank	NOUN
ajase-2106	92	30	,	,	PUNCT
ajase-2106	92	31	3	3	NUM
ajase-2106	92	32	commercial	commercial	ADJ
ajase-2106	92	33	banks	bank	NOUN
ajase-2106	92	34	,	,	PUNCT
ajase-2106	92	35	and	and	CCONJ
ajase-2106	92	36	one	one	NUM
ajase-2106	92	37	islamic	islamic	PROPN
ajase-2106	92	38	bank	bank	PROPN
ajase-2106	92	39	.	.	PUNCT
ajase-2106	93	1	meanwhile	meanwhile	ADV
ajase-2106	93	2	,	,	PUNCT
ajase-2106	93	3	the	the	DET
ajase-2106	93	4	number	number	NOUN
ajase-2106	93	5	of	of	ADP
ajase-2106	93	6	private	private	ADJ
ajase-2106	93	7	banks	bank	NOUN
ajase-2106	93	8	reached	reach	VERB
ajase-2106	93	9	67	67	NUM
ajase-2106	93	10	banks	bank	NOUN
ajase-2106	93	11	,	,	PUNCT
ajase-2106	93	12	including	include	VERB
ajase-2106	93	13	25	25	NUM
ajase-2106	93	14	local	local	ADJ
ajase-2106	93	15	commercial	commercial	ADJ
ajase-2106	93	16	banks	bank	NOUN
ajase-2106	93	17	and	and	CCONJ
ajase-2106	93	18	28	28	NUM
ajase-2106	93	19	local	local	ADJ
ajase-2106	93	20	islamic	islamic	ADJ
ajase-2106	93	21	banks	bank	NOUN
ajase-2106	93	22	,	,	PUNCT
ajase-2106	93	23	as	as	ADV
ajase-2106	93	24	well	well	ADV
ajase-2106	93	25	as	as	ADP
ajase-2106	93	26	14	14	NUM
ajase-2106	93	27	foreign	foreign	ADJ
ajase-2106	93	28	banks	bank	NOUN
ajase-2106	93	29	,	,	PUNCT
ajase-2106	93	30	consisting	consist	VERB
ajase-2106	93	31	of	of	ADP
ajase-2106	93	32	2	2	NUM
ajase-2106	93	33	islamic	islamic	ADJ
ajase-2106	93	34	banks	bank	NOUN
ajase-2106	93	35	and	and	CCONJ
ajase-2106	93	36	12	12	NUM
ajase-2106	93	37	commercial	commercial	ADJ
ajase-2106	93	38	banks	bank	NOUN
ajase-2106	93	39	.	.	PUNCT
ajase-2106	94	1	the	the	DET
ajase-2106	94	2	z	z	NOUN
ajase-2106	94	3	-	-	PUNCT
ajase-2106	94	4	score	score	NOUN
ajase-2106	94	5	measure	measure	NOUN
ajase-2106	94	6	has	have	AUX
ajase-2106	94	7	been	be	AUX
ajase-2106	94	8	proposed	propose	VERB
ajase-2106	94	9	as	as	ADP
ajase-2106	94	10	an	an	DET
ajase-2106	94	11	indicator	indicator	NOUN
ajase-2106	94	12	of	of	ADP
ajase-2106	94	13	risk	risk	NOUN
ajase-2106	94	14	and	and	CCONJ
ajase-2106	94	15	the	the	DET
ajase-2106	94	16	likelihood	likelihood	NOUN
ajase-2106	94	17	of	of	ADP
ajase-2106	94	18	bank	bank	NOUN
ajase-2106	94	19	insolvency	insolvency	NOUN
ajase-2106	94	20	or	or	CCONJ
ajase-2106	94	21	failure	failure	NOUN
ajase-2106	94	22	.	.	PUNCT
ajase-2106	95	1	this	this	DET
ajase-2106	95	2	measure	measure	NOUN
ajase-2106	95	3	has	have	AUX
ajase-2106	95	4	been	be	AUX
ajase-2106	95	5	widely	widely	ADV
ajase-2106	95	6	used	use	VERB
ajase-2106	95	7	in	in	ADP
ajase-2106	95	8	numerous	numerous	ADJ
ajase-2106	95	9	studies	study	NOUN
ajase-2106	95	10	and	and	CCONJ
ajase-2106	95	11	has	have	AUX
ajase-2106	95	12	become	become	VERB
ajase-2106	95	13	common	common	ADJ
ajase-2106	95	14	for	for	ADP
ajase-2106	95	15	assessing	assess	VERB
ajase-2106	95	16	banks	bank	NOUN
ajase-2106	95	17	’	'	PUNCT
ajase-2106	95	18	distress	distress	NOUN
ajase-2106	95	19	,	,	PUNCT
ajase-2106	95	20	failure	failure	NOUN
ajase-2106	95	21	,	,	PUNCT
ajase-2106	95	22	and	and	CCONJ
ajase-2106	95	23	stability	stability	NOUN
ajase-2106	95	24	.	.	PUNCT
ajase-2106	96	1	it	it	PRON
ajase-2106	96	2	was	be	AUX
ajase-2106	96	3	initially	initially	ADV
ajase-2106	96	4	developed	develop	VERB
ajase-2106	96	5	by	by	ADP
ajase-2106	96	6	roy	roy	PROPN
ajase-2106	96	7	in	in	ADP
ajase-2106	96	8	1952	1952	NUM
ajase-2106	96	9	and	and	CCONJ
ajase-2106	96	10	subsequently	subsequently	ADV
ajase-2106	96	11	refined	refine	VERB
ajase-2106	96	12	by	by	ADP
ajase-2106	96	13	(	(	PUNCT
ajase-2106	96	14	sifrain	sifrain	NOUN
ajase-2106	96	15	,	,	PUNCT
ajase-2106	96	16	2021	2021	NUM
ajase-2106	96	17	)	)	PUNCT
ajase-2106	96	18	.	.	PUNCT
ajase-2106	97	1	its	its	PRON
ajase-2106	97	2	value	value	NOUN
ajase-2106	97	3	indicates	indicate	VERB
ajase-2106	97	4	the	the	DET
ajase-2106	97	5	number	number	NOUN
ajase-2106	97	6	of	of	ADP
ajase-2106	97	7	standard	standard	ADJ
ajase-2106	97	8	deviations	deviation	NOUN
ajase-2106	97	9	that	that	PRON
ajase-2106	97	10	need	need	VERB
ajase-2106	97	11	to	to	PART
ajase-2106	97	12	occur	occur	VERB
ajase-2106	97	13	in	in	ADP
ajase-2106	97	14	the	the	DET
ajase-2106	97	15	return	return	NOUN
ajase-2106	97	16	on	on	ADP
ajase-2106	97	17	assets	asset	NOUN
ajase-2106	97	18	(	(	PUNCT
ajase-2106	97	19	roa	roa	NOUN
ajase-2106	97	20	)	)	PUNCT
ajase-2106	97	21	ratio	ratio	NOUN
ajase-2106	97	22	,	,	PUNCT
ajase-2106	97	23	which	which	PRON
ajase-2106	97	24	is	be	AUX
ajase-2106	97	25	the	the	DET
ajase-2106	97	26	number	number	NOUN
ajase-2106	97	27	of	of	ADP
ajase-2106	97	28	times	time	NOUN
ajase-2106	97	29	the	the	DET
ajase-2106	97	30	return	return	NOUN
ajase-2106	97	31	decreases	decrease	VERB
ajase-2106	97	32	from	from	ADP
ajase-2106	97	33	its	its	PRON
ajase-2106	97	34	value	value	NOUN
ajase-2106	97	35	in	in	ADP
ajase-2106	97	36	order	order	NOUN
ajase-2106	97	37	to	to	PART
ajase-2106	97	38	deplete	deplete	VERB
ajase-2106	97	39	equity	equity	NOUN
ajase-2106	97	40	and	and	CCONJ
ajase-2106	97	41	render	render	VERB
ajase-2106	97	42	the	the	DET
ajase-2106	97	43	bank	bank	NOUN
ajase-2106	97	44	insolvent	insolvent	NOUN
ajase-2106	97	45	.	.	PUNCT
ajase-2106	98	1	the	the	DET
ajase-2106	98	2	value	value	NOUN
ajase-2106	98	3	of	of	ADP
ajase-2106	98	4	the	the	DET
ajase-2106	98	5	indicator	indicator	NOUN
ajase-2106	98	6	increases	increase	VERB
ajase-2106	98	7	with	with	ADP
ajase-2106	98	8	higher	high	ADJ
ajase-2106	98	9	profitability	profitability	NOUN
ajase-2106	98	10	and	and	CCONJ
ajase-2106	98	11	equity	equity	NOUN
ajase-2106	98	12	levels	level	NOUN
ajase-2106	98	13	(	(	PUNCT
ajase-2106	98	14	lepetit	lepetit	PROPN
ajase-2106	98	15	&	&	CCONJ
ajase-2106	98	16	strobel	strobel	PROPN
ajase-2106	98	17	,	,	PUNCT
ajase-2106	98	18	2015	2015	NUM
ajase-2106	98	19	)	)	PUNCT
ajase-2106	98	20	.	.	PUNCT
ajase-2106	99	1	conversely	conversely	ADV
ajase-2106	99	2	,	,	PUNCT
ajase-2106	99	3	it	it	PRON
ajase-2106	99	4	decreases	decrease	VERB
ajase-2106	99	5	when	when	SCONJ
ajase-2106	99	6	returns	return	NOUN
ajase-2106	99	7	are	be	AUX
ajase-2106	99	8	more	more	ADV
ajase-2106	99	9	volatile	volatile	ADJ
ajase-2106	99	10	and	and	CCONJ
ajase-2106	99	11	decline	decline	NOUN
ajase-2106	99	12	,	,	PUNCT
ajase-2106	99	13	as	as	SCONJ
ajase-2106	99	14	reflected	reflect	VERB
ajase-2106	99	15	in	in	ADP
ajase-2106	99	16	an	an	DET
ajase-2106	99	17	increase	increase	NOUN
ajase-2106	99	18	in	in	ADP
ajase-2106	99	19	the	the	DET
ajase-2106	99	20	standard	standard	ADJ
ajase-2106	99	21	deviation	deviation	NOUN
ajase-2106	99	22	of	of	ADP
ajase-2106	99	23	the	the	DET
ajase-2106	99	24	return	return	NOUN
ajase-2106	99	25	on	on	ADP
ajase-2106	99	26	assets	asset	NOUN
ajase-2106	99	27	.	.	PUNCT
ajase-2106	100	1	in	in	ADP
ajase-2106	100	2	other	other	ADJ
ajase-2106	100	3	words	word	NOUN
ajase-2106	100	4	,	,	PUNCT
ajase-2106	100	5	as	as	SCONJ
ajase-2106	100	6	the	the	DET
ajase-2106	100	7	indicator	indicator	NOUN
ajase-2106	100	8	value	value	NOUN
ajase-2106	100	9	rises	rise	VERB
ajase-2106	100	10	,	,	PUNCT
ajase-2106	100	11	the	the	DET
ajase-2106	100	12	bank	bank	NOUN
ajase-2106	100	13	’s	’s	PART
ajase-2106	100	14	stability	stability	NOUN
ajase-2106	100	15	increases	increase	NOUN
ajase-2106	100	16	,	,	PUNCT
ajase-2106	100	17	and	and	CCONJ
ajase-2106	100	18	conversely	conversely	ADV
ajase-2106	100	19	,	,	PUNCT
ajase-2106	100	20	when	when	SCONJ
ajase-2106	100	21	the	the	DET
ajase-2106	100	22	indicator	indicator	NOUN
ajase-2106	100	23	value	value	NOUN
ajase-2106	100	24	significantly	significantly	ADV
ajase-2106	100	25	declines	decline	VERB
ajase-2106	100	26	,	,	PUNCT
ajase-2106	100	27	the	the	DET
ajase-2106	100	28	level	level	NOUN
ajase-2106	100	29	of	of	ADP
ajase-2106	100	30	stability	stability	NOUN
ajase-2106	100	31	and	and	CCONJ
ajase-2106	100	32	the	the	DET
ajase-2106	100	33	ability	ability	NOUN
ajase-2106	100	34	of	of	ADP
ajase-2106	100	35	banks	bank	NOUN
ajase-2106	100	36	to	to	PART
ajase-2106	100	37	withstand	withstand	VERB
ajase-2106	100	38	shocks	shock	NOUN
ajase-2106	100	39	decrease	decrease	NOUN
ajase-2106	100	40	(	(	PUNCT
ajase-2106	100	41	li	li	PROPN
ajase-2106	100	42	et	et	PROPN
ajase-2106	100	43	al	al	PROPN
ajase-2106	100	44	.	.	PROPN
ajase-2106	100	45	,	,	PUNCT
ajase-2106	100	46	2017	2017	NUM
ajase-2106	100	47	)	)	PUNCT
ajase-2106	100	48	.	.	PUNCT
ajase-2106	101	1	as	as	SCONJ
ajase-2106	101	2	the	the	DET
ajase-2106	101	3	value	value	NOUN
ajase-2106	101	4	approaches	approach	VERB
ajase-2106	101	5	one	one	NUM
ajase-2106	101	6	or	or	CCONJ
ajase-2106	101	7	approaches	approach	NOUN
ajase-2106	101	8	zero	zero	NUM
ajase-2106	101	9	or	or	CCONJ
ajase-2106	101	10	becomes	become	VERB
ajase-2106	101	11	negative	negative	ADJ
ajase-2106	101	12	,	,	PUNCT
ajase-2106	101	13	the	the	DET
ajase-2106	101	14	bank	bank	NOUN
ajase-2106	101	15	enters	enter	VERB
ajase-2106	101	16	a	a	DET
ajase-2106	101	17	state	state	NOUN
ajase-2106	101	18	of	of	ADP
ajase-2106	101	19	financial	financial	ADJ
ajase-2106	101	20	distress	distress	NOUN
ajase-2106	101	21	and	and	CCONJ
ajase-2106	101	22	instability	instability	NOUN
ajase-2106	101	23	,	,	PUNCT
ajase-2106	101	24	leading	lead	VERB
ajase-2106	101	25	to	to	ADP
ajase-2106	101	26	a	a	DET
ajase-2106	101	27	banking	banking	NOUN
ajase-2106	101	28	crisis	crisis	NOUN
ajase-2106	101	29	.	.	PUNCT
ajase-2106	102	1	the	the	DET
ajase-2106	102	2	stability	stability	NOUN
ajase-2106	102	3	of	of	ADP
ajase-2106	102	4	the	the	DET
ajase-2106	102	5	banking	banking	NOUN
ajase-2106	102	6	sector	sector	NOUN
ajase-2106	102	7	can	can	AUX
ajase-2106	102	8	be	be	AUX
ajase-2106	102	9	expressed	express	VERB
ajase-2106	102	10	mathematically	mathematically	ADV
ajase-2106	102	11	,	,	PUNCT
ajase-2106	102	12	as	as	ADP
ajase-2106	102	13	in	in	ADP
ajase-2106	102	14	the	the	DET
ajase-2106	102	15	following	follow	VERB
ajase-2106	102	16	formula	formula	NOUN
ajase-2106	102	17	.	.	PUNCT
ajase-2106	103	1	z	z	X
ajase-2106	103	2	-	-	PUNCT
ajase-2106	103	3	score=	score=	NUM
ajase-2106	103	4	(	(	PUNCT
ajase-2106	103	5	roa+(equity	roa+(equity	NOUN
ajase-2106	103	6	/	/	SYM
ajase-2106	103	7	assets))/(σ(roa	assets))/(σ(roa	NOUN
ajase-2106	103	8	)	)	PUNCT
ajase-2106	103	9	)	)	PUNCT
ajase-2106	104	1	the	the	DET
ajase-2106	104	2	financial	financial	ADJ
ajase-2106	104	3	stability	stability	NOUN
ajase-2106	104	4	in	in	ADP
ajase-2106	104	5	iraq	iraq	PROPN
ajase-2106	104	6	can	can	AUX
ajase-2106	104	7	also	also	ADV
ajase-2106	104	8	be	be	AUX
ajase-2106	104	9	measured	measure	VERB
ajase-2106	104	10	using	use	VERB
ajase-2106	104	11	the	the	DET
ajase-2106	104	12	aggregate	aggregate	ADJ
ajase-2106	104	13	index	index	NOUN
ajase-2106	104	14	.	.	PUNCT
ajase-2106	105	1	different	different	ADJ
ajase-2106	105	2	countries	country	NOUN
ajase-2106	105	3	vary	vary	VERB
ajase-2106	105	4	in	in	ADP
ajase-2106	105	5	their	their	PRON
ajase-2106	105	6	use	use	NOUN
ajase-2106	105	7	of	of	ADP
ajase-2106	105	8	indicators	indicator	NOUN
ajase-2106	105	9	and	and	CCONJ
ajase-2106	105	10	measures	measure	NOUN
ajase-2106	105	11	of	of	ADP
ajase-2106	105	12	banking	banking	NOUN
ajase-2106	105	13	stability	stability	NOUN
ajase-2106	105	14	,	,	PUNCT
ajase-2106	105	15	depending	depend	VERB
ajase-2106	105	16	on	on	ADP
ajase-2106	105	17	the	the	DET
ajase-2106	105	18	monetary	monetary	ADJ
ajase-2106	105	19	policy	policy	NOUN
ajase-2106	105	20	adopted	adopt	VERB
ajase-2106	105	21	by	by	ADP
ajase-2106	105	22	the	the	DET
ajase-2106	105	23	central	central	ADJ
ajase-2106	105	24	bank	bank	NOUN
ajase-2106	105	25	.	.	PUNCT
ajase-2106	106	1	this	this	DET
ajase-2106	106	2	variation	variation	NOUN
ajase-2106	106	3	is	be	AUX
ajase-2106	106	4	attributed	attribute	VERB
ajase-2106	106	5	to	to	ADP
ajase-2106	106	6	the	the	DET
ajase-2106	106	7	strength	strength	NOUN
ajase-2106	106	8	pa	pa	PROPN
ajase-2106	106	9	ge	ge	PROPN
ajase-2106	106	10	51	51	NUM
ajase-2106	107	1	https://journals.e-palli.com/home/index.php/ajase	https://journals.e-palli.com/home/index.php/ajase	PROPN
ajase-2106	107	2	am	be	AUX
ajase-2106	107	3	.	.	PUNCT
ajase-2106	108	1	j.	j.	PROPN
ajase-2106	108	2	appl	appl	PROPN
ajase-2106	108	3	.	.	PROPN
ajase-2106	109	1	stat	stat	PROPN
ajase-2106	109	2	.	.	PUNCT
ajase-2106	110	1	econ	econ	PROPN
ajase-2106	110	2	.	.	PUNCT
ajase-2106	111	1	2(1	2(1	NUM
ajase-2106	111	2	)	)	PUNCT
ajase-2106	111	3	48	48	NUM
ajase-2106	111	4	-	-	SYM
ajase-2106	111	5	53	53	NUM
ajase-2106	111	6	,	,	PUNCT
ajase-2106	111	7	2023	2023	NUM
ajase-2106	111	8	of	of	ADP
ajase-2106	111	9	banking	banking	NOUN
ajase-2106	111	10	systems	system	NOUN
ajase-2106	111	11	and	and	CCONJ
ajase-2106	111	12	the	the	DET
ajase-2106	111	13	systems	system	NOUN
ajase-2106	111	14	in	in	ADP
ajase-2106	111	15	place	place	NOUN
ajase-2106	111	16	,	,	PUNCT
ajase-2106	111	17	whether	whether	SCONJ
ajase-2106	111	18	they	they	PRON
ajase-2106	111	19	are	be	AUX
ajase-2106	111	20	advanced	advanced	ADJ
ajase-2106	111	21	with	with	ADP
ajase-2106	111	22	full	full	ADJ
ajase-2106	111	23	electronic	electronic	ADJ
ajase-2106	111	24	automation	automation	NOUN
ajase-2106	111	25	or	or	CCONJ
ajase-2106	111	26	they	they	PRON
ajase-2106	111	27	follow	follow	VERB
ajase-2106	111	28	traditional	traditional	ADJ
ajase-2106	111	29	systems	system	NOUN
ajase-2106	111	30	.	.	PUNCT
ajase-2106	112	1	the	the	DET
ajase-2106	112	2	central	central	ADJ
ajase-2106	112	3	bank	bank	PROPN
ajase-2106	112	4	of	of	ADP
ajase-2106	112	5	iraq	iraq	PROPN
ajase-2106	112	6	has	have	AUX
ajase-2106	112	7	defined	define	VERB
ajase-2106	112	8	the	the	DET
ajase-2106	112	9	banking	banking	NOUN
ajase-2106	112	10	stability	stability	NOUN
ajase-2106	112	11	indicators	indicator	NOUN
ajase-2106	112	12	in	in	ADP
ajase-2106	112	13	iraq	iraq	PROPN
ajase-2106	112	14	,	,	PUNCT
ajase-2106	112	15	including	include	VERB
ajase-2106	112	16	capital	capital	NOUN
ajase-2106	112	17	adequacy	adequacy	NOUN
ajase-2106	112	18	,	,	PUNCT
ajase-2106	112	19	asset	asset	NOUN
ajase-2106	112	20	quality	quality	NOUN
ajase-2106	112	21	,	,	PUNCT
ajase-2106	112	22	profitability	profitability	NOUN
ajase-2106	112	23	,	,	PUNCT
ajase-2106	112	24	and	and	CCONJ
ajase-2106	112	25	liquidity	liquidity	NOUN
ajase-2106	112	26	(	(	PUNCT
ajase-2106	112	27	central	central	ADJ
ajase-2106	112	28	bank	bank	NOUN
ajase-2106	112	29	of	of	ADP
ajase-2106	112	30	iraq	iraq	PROPN
ajase-2106	112	31	report	report	NOUN
ajase-2106	112	32	,	,	PUNCT
ajase-2106	112	33	2021	2021	NUM
ajase-2106	112	34	)	)	PUNCT
ajase-2106	112	35	.	.	PUNCT
ajase-2106	113	1	results	result	NOUN
ajase-2106	113	2	and	and	CCONJ
ajase-2106	113	3	discussion	discussion	NOUN
ajase-2106	113	4	to	to	PART
ajase-2106	113	5	test	test	VERB
ajase-2106	113	6	research	research	NOUN
ajase-2106	113	7	hypotheses	hypothesis	NOUN
ajase-2106	113	8	and	and	CCONJ
ajase-2106	113	9	analyze	analyze	VERB
ajase-2106	113	10	them	they	PRON
ajase-2106	113	11	,	,	PUNCT
ajase-2106	113	12	the	the	DET
ajase-2106	113	13	impact	impact	NOUN
ajase-2106	113	14	of	of	ADP
ajase-2106	113	15	financial	financial	ADJ
ajase-2106	113	16	inclusion	inclusion	NOUN
ajase-2106	113	17	with	with	ADP
ajase-2106	113	18	its	its	PRON
ajase-2106	113	19	indicators	indicator	NOUN
ajase-2106	113	20	on	on	ADP
ajase-2106	113	21	banking	banking	NOUN
ajase-2106	113	22	stability	stability	NOUN
ajase-2106	113	23	was	be	AUX
ajase-2106	113	24	tested	test	VERB
ajase-2106	113	25	based	base	VERB
ajase-2106	113	26	on	on	ADP
ajase-2106	113	27	time	time	NOUN
ajase-2106	113	28	series	series	PROPN
ajase-2106	113	29	data	data	PROPN
ajase-2106	113	30	.	.	PUNCT
ajase-2106	114	1	through	through	ADP
ajase-2106	114	2	this	this	DET
ajase-2106	114	3	model	model	NOUN
ajase-2106	114	4	,	,	PUNCT
ajase-2106	114	5	the	the	DET
ajase-2106	114	6	relationship	relationship	NOUN
ajase-2106	114	7	between	between	ADP
ajase-2106	114	8	research	research	NOUN
ajase-2106	114	9	variables	variable	NOUN
ajase-2106	114	10	will	will	AUX
ajase-2106	114	11	be	be	AUX
ajase-2106	114	12	identified	identify	VERB
ajase-2106	114	13	.	.	PUNCT
ajase-2106	115	1	before	before	ADP
ajase-2106	115	2	starting	start	VERB
ajase-2106	115	3	the	the	DET
ajase-2106	115	4	hypothesis	hypothesis	NOUN
ajase-2106	115	5	testing	testing	NOUN
ajase-2106	115	6	procedures	procedure	NOUN
ajase-2106	115	7	,	,	PUNCT
ajase-2106	115	8	it	it	PRON
ajase-2106	115	9	is	be	AUX
ajase-2106	115	10	necessary	necessary	ADJ
ajase-2106	115	11	to	to	PART
ajase-2106	115	12	ensure	ensure	VERB
ajase-2106	115	13	the	the	DET
ajase-2106	115	14	suitability	suitability	NOUN
ajase-2106	115	15	of	of	ADP
ajase-2106	115	16	the	the	DET
ajase-2106	115	17	data	datum	NOUN
ajase-2106	115	18	for	for	ADP
ajase-2106	115	19	the	the	DET
ajase-2106	115	20	regression	regression	NOUN
ajase-2106	115	21	model	model	NOUN
ajase-2106	115	22	of	of	ADP
ajase-2106	115	23	least	least	ADJ
ajase-2106	115	24	squares	square	NOUN
ajase-2106	115	25	used	use	VERB
ajase-2106	115	26	in	in	ADP
ajase-2106	115	27	this	this	DET
ajase-2106	115	28	research	research	NOUN
ajase-2106	115	29	by	by	ADP
ajase-2106	115	30	examining	examine	VERB
ajase-2106	115	31	the	the	DET
ajase-2106	115	32	data	datum	NOUN
ajase-2106	115	33	and	and	CCONJ
ajase-2106	115	34	determining	determine	VERB
ajase-2106	115	35	whether	whether	SCONJ
ajase-2106	115	36	it	it	PRON
ajase-2106	115	37	possesses	possess	VERB
ajase-2106	115	38	the	the	DET
ajase-2106	115	39	characteristic	characteristic	NOUN
ajase-2106	115	40	of	of	ADP
ajase-2106	115	41	normal	normal	ADJ
ajase-2106	115	42	distribution	distribution	NOUN
ajase-2106	115	43	,	,	PUNCT
ajase-2106	115	44	i.e.	i.e.	X
ajase-2106	115	45	,	,	PUNCT
ajase-2106	115	46	whether	whether	SCONJ
ajase-2106	115	47	the	the	DET
ajase-2106	115	48	data	datum	NOUN
ajase-2106	115	49	of	of	ADP
ajase-2106	115	50	the	the	DET
ajase-2106	115	51	variables	variable	NOUN
ajase-2106	115	52	follow	follow	VERB
ajase-2106	115	53	a	a	DET
ajase-2106	115	54	normal	normal	ADJ
ajase-2106	115	55	distribution	distribution	NOUN
ajase-2106	115	56	.	.	PUNCT
ajase-2106	116	1	the	the	DET
ajase-2106	116	2	table	table	NOUN
ajase-2106	116	3	1	1	NUM
ajase-2106	116	4	.	.	PUNCT
ajase-2106	116	5	displays	display	VERB
ajase-2106	116	6	the	the	DET
ajase-2106	116	7	results	result	NOUN
ajase-2106	116	8	of	of	ADP
ajase-2106	116	9	normal	normal	ADJ
ajase-2106	116	10	distribution	distribution	NOUN
ajase-2106	116	11	tests	test	NOUN
ajase-2106	116	12	using	use	VERB
ajase-2106	116	13	the	the	DET
ajase-2106	116	14	shapiro	shapiro	NOUN
ajase-2106	116	15	-	-	PUNCT
ajase-2106	116	16	wilk	wilk	NOUN
ajase-2106	116	17	w	w	PROPN
ajase-2106	116	18	test	test	NOUN
ajase-2106	116	19	for	for	ADP
ajase-2106	116	20	this	this	DET
ajase-2106	116	21	type	type	NOUN
ajase-2106	116	22	of	of	ADP
ajase-2106	116	23	test	test	NOUN
ajase-2106	116	24	.	.	PUNCT
ajase-2106	117	1	it	it	PRON
ajase-2106	117	2	ensures	ensure	VERB
ajase-2106	117	3	that	that	SCONJ
ajase-2106	117	4	all	all	DET
ajase-2106	117	5	variable	variable	ADJ
ajase-2106	117	6	indicators	indicator	NOUN
ajase-2106	117	7	possess	possess	VERB
ajase-2106	117	8	the	the	DET
ajase-2106	117	9	characteristic	characteristic	NOUN
ajase-2106	117	10	of	of	ADP
ajase-2106	117	11	a	a	DET
ajase-2106	117	12	normal	normal	ADJ
ajase-2106	117	13	distribution	distribution	NOUN
ajase-2106	117	14	.	.	PUNCT
ajase-2106	118	1	table	table	NOUN
ajase-2106	118	2	1	1	NUM
ajase-2106	118	3	:	:	PUNCT
ajase-2106	118	4	results	result	NOUN
ajase-2106	118	5	of	of	ADP
ajase-2106	118	6	normal	normal	ADJ
ajase-2106	118	7	distribution	distribution	NOUN
ajase-2106	118	8	tests	test	NOUN
ajase-2106	118	9	shapiro	shapiro	PROPN
ajase-2106	118	10	wilk	wilk	PROPN
ajase-2106	118	11	w	w	PROPN
ajase-2106	118	12	test	test	PROPN
ajase-2106	118	13	for	for	ADP
ajase-2106	118	14	normal	normal	ADJ
ajase-2106	118	15	data	datum	NOUN
ajase-2106	118	16	variable	variable	NOUN
ajase-2106	118	17	obs	obs	PROPN
ajase-2106	118	18	w	w	PROPN
ajase-2106	118	19	v	v	PROPN
ajase-2106	118	20	z	z	PROPN
ajase-2106	118	21	prob	prob	PROPN
ajase-2106	118	22	>	>	PROPN
ajase-2106	118	23	z	z	PROPN
ajase-2106	118	24	sig	sig	PROPN
ajase-2106	118	25	.	.	PUNCT
ajase-2106	119	1	banking	banking	NOUN
ajase-2106	119	2	density	density	NOUN
ajase-2106	119	3	12	12	NUM
ajase-2106	119	4	0.85399	0.85399	NUM
ajase-2106	119	5	2.440	2.440	NUM
ajase-2106	119	6	1.738	1.738	NUM
ajase-2106	119	7	0.4113	0.4113	NUM
ajase-2106	119	8	not	not	PART
ajase-2106	119	9	significant	significant	ADJ
ajase-2106	119	10	banking	banking	NOUN
ajase-2106	119	11	spread	spread	VERB
ajase-2106	119	12	12	12	NUM
ajase-2106	119	13	0.96338	0.96338	NUM
ajase-2106	119	14	0.612	0.612	NUM
ajase-2106	119	15	-0.957	-0.957	NOUN
ajase-2106	119	16	0.83082	0.83082	NUM
ajase-2106	119	17	not	not	PART
ajase-2106	119	18	significant	significant	ADJ
ajase-2106	119	19	atmratio	atmratio	NOUN
ajase-2106	119	20	12	12	NUM
ajase-2106	119	21	0.86575	0.86575	NUM
ajase-2106	119	22	2.243	2.243	NUM
ajase-2106	119	23	1.574	1.574	NUM
ajase-2106	119	24	0.05775	0.05775	NUM
ajase-2106	119	25	not	not	PART
ajase-2106	119	26	significant	significant	ADJ
ajase-2106	119	27	sub/1000	sub/1000	ADJ
ajase-2106	119	28	km	km	NOUN
ajase-2106	119	29	12	12	NUM
ajase-2106	119	30	0.86103	0.86103	NUM
ajase-2106	119	31	2.322	2.322	NUM
ajase-2106	119	32	1.641	1.641	NUM
ajase-2106	119	33	0.05036	0.05036	NUM
ajase-2106	119	34	not	not	PART
ajase-2106	119	35	significant	significant	ADJ
ajase-2106	119	36	atm/1000	atm/1000	ADJ
ajase-2106	119	37	km	km	NOUN
ajase-2106	119	38	12	12	NUM
ajase-2106	119	39	0.86422	0.86422	NUM
ajase-2106	119	40	2.269	2.269	NUM
ajase-2106	119	41	1.596	1.596	NUM
ajase-2106	119	42	0.05523	0.05523	NUM
ajase-2106	119	43	not	not	PART
ajase-2106	119	44	significant	significant	ADJ
ajase-2106	119	45	depth	depth	NOUN
ajase-2106	119	46	of	of	ADP
ajase-2106	119	47	banking	banking	NOUN
ajase-2106	119	48	loans	loan	NOUN
ajase-2106	119	49	index	index	NOUN
ajase-2106	119	50	12	12	NUM
ajase-2106	119	51	0.94051	0.94051	NUM
ajase-2106	119	52	0.994	0.994	NUM
ajase-2106	119	53	-0.012	-0.012	NUM
ajase-2106	119	54	0.50471	0.50471	NUM
ajase-2106	119	55	not	not	PART
ajase-2106	119	56	significant	significant	ADJ
ajase-2106	119	57	depth	depth	NOUN
ajase-2106	119	58	banking	banking	NOUN
ajase-2106	119	59	index	index	NOUN
ajase-2106	119	60	12	12	NUM
ajase-2106	119	61	0.89952	0.89952	NUM
ajase-2106	119	62	1.679	1.679	NUM
ajase-2106	119	63	1.009	1.009	NUM
ajase-2106	119	64	0.15637	0.15637	NUM
ajase-2106	119	65	not	not	PART
ajase-2106	119	66	significant	significant	ADJ
ajase-2106	119	67	b.	b.	PROPN
ajase-2106	119	68	st	st	PROPN
ajase-2106	119	69	.	.	PROPN
ajase-2106	119	70	index	index	PROPN
ajase-2106	119	71	12	12	NUM
ajase-2106	119	72	0.81225	0.81225	NUM
ajase-2106	119	73	3.137	3.137	NUM
ajase-2106	119	74	2.228	2.228	NUM
ajase-2106	119	75	0.1296	0.1296	NUM
ajase-2106	119	76	not	not	PART
ajase-2106	119	77	significant	significant	ADJ
ajase-2106	119	78	hypothesis	hypothesis	NOUN
ajase-2106	119	79	testing	test	VERB
ajase-2106	119	80	the	the	DET
ajase-2106	119	81	primary	primary	ADJ
ajase-2106	119	82	hypothesis	hypothesis	NOUN
ajase-2106	119	83	of	of	ADP
ajase-2106	119	84	the	the	DET
ajase-2106	119	85	research	research	NOUN
ajase-2106	119	86	was	be	AUX
ajase-2106	119	87	to	to	PART
ajase-2106	119	88	test	test	VERB
ajase-2106	119	89	the	the	DET
ajase-2106	119	90	direct	direct	ADJ
ajase-2106	119	91	impact	impact	NOUN
ajase-2106	119	92	of	of	ADP
ajase-2106	119	93	financial	financial	ADJ
ajase-2106	119	94	inclusion	inclusion	NOUN
ajase-2106	119	95	,	,	PUNCT
ajase-2106	119	96	as	as	SCONJ
ajase-2106	119	97	indicated	indicate	VERB
ajase-2106	119	98	by	by	ADP
ajase-2106	119	99	its	its	PRON
ajase-2106	119	100	independent	independent	ADJ
ajase-2106	119	101	indicators	indicator	NOUN
ajase-2106	119	102	,	,	PUNCT
ajase-2106	119	103	on	on	ADP
ajase-2106	119	104	banking	bank	VERB
ajase-2106	119	105	stability	stability	NOUN
ajase-2106	119	106	.	.	PUNCT
ajase-2106	120	1	table	table	NOUN
ajase-2106	120	2	(	(	PUNCT
ajase-2106	120	3	2	2	NUM
ajase-2106	120	4	)	)	PUNCT
ajase-2106	120	5	presents	present	VERB
ajase-2106	120	6	the	the	DET
ajase-2106	120	7	results	result	NOUN
ajase-2106	120	8	of	of	ADP
ajase-2106	120	9	testing	test	VERB
ajase-2106	120	10	the	the	DET
ajase-2106	120	11	first	first	ADJ
ajase-2106	120	12	hypothesis	hypothesis	NOUN
ajase-2106	120	13	of	of	ADP
ajase-2106	120	14	the	the	DET
ajase-2106	120	15	study	study	NOUN
ajase-2106	120	16	,	,	PUNCT
ajase-2106	120	17	which	which	PRON
ajase-2106	120	18	showed	show	VERB
ajase-2106	120	19	significant	significant	ADJ
ajase-2106	120	20	effects	effect	NOUN
ajase-2106	120	21	.	.	PUNCT
ajase-2106	121	1	the	the	DET
ajase-2106	121	2	bd	bd	PROPN
ajase-2106	121	3	index	index	NOUN
ajase-2106	121	4	had	have	VERB
ajase-2106	121	5	a	a	DET
ajase-2106	121	6	significant	significant	ADJ
ajase-2106	121	7	impact	impact	NOUN
ajase-2106	121	8	on	on	ADP
ajase-2106	121	9	stability	stability	NOUN
ajase-2106	121	10	(	(	PUNCT
ajase-2106	121	11	β=-0.0089	β=-0.0089	VERB
ajase-2106	121	12	,	,	PUNCT
ajase-2106	121	13	p	p	X
ajase-2106	121	14	<	<	X
ajase-2106	121	15	0.05	0.05	NUM
ajase-2106	121	16	)	)	PUNCT
ajase-2106	121	17	,	,	PUNCT
ajase-2106	121	18	as	as	SCONJ
ajase-2106	121	19	did	do	VERB
ajase-2106	121	20	the	the	DET
ajase-2106	121	21	bs	bs	PROPN
ajase-2106	121	22	index	index	NOUN
ajase-2106	121	23	(	(	PUNCT
ajase-2106	121	24	β=0.1228	β=0.1228	PROPN
ajase-2106	121	25	,	,	PUNCT
ajase-2106	121	26	p	p	X
ajase-2106	121	27	<	<	X
ajase-2106	121	28	0.05	0.05	NUM
ajase-2106	121	29	)	)	PUNCT
ajase-2106	121	30	,	,	PUNCT
ajase-2106	121	31	atm	atm	X
ajase-2106	121	32	(	(	PUNCT
ajase-2106	121	33	1000	1000	NUM
ajase-2106	121	34	)	)	PUNCT
ajase-2106	121	35	(	(	PUNCT
ajase-2106	121	36	β=-0.053	β=-0.053	PROPN
ajase-2106	121	37	,	,	PUNCT
ajase-2106	121	38	p	p	X
ajase-2106	121	39	<	<	X
ajase-2106	121	40	0.05	0.05	NUM
ajase-2106	121	41	)	)	PUNCT
ajase-2106	121	42	,	,	PUNCT
ajase-2106	121	43	and	and	CCONJ
ajase-2106	121	44	dobli	dobli	NOUN
ajase-2106	121	45	(	(	PUNCT
ajase-2106	121	46	β=-0.0333	β=-0.0333	PROPN
ajase-2106	121	47	,	,	PUNCT
ajase-2106	121	48	p	p	X
ajase-2106	121	49	<	<	X
ajase-2106	121	50	0.05	0.05	NUM
ajase-2106	121	51	)	)	PUNCT
ajase-2106	121	52	,	,	PUNCT
ajase-2106	121	53	while	while	SCONJ
ajase-2106	121	54	the	the	DET
ajase-2106	121	55	r	r	NOUN
ajase-2106	121	56	atm	atm	NOUN
ajase-2106	121	57	(	(	PUNCT
ajase-2106	121	58	β=0.0318	β=0.0318	PROPN
ajase-2106	121	59	,	,	PUNCT
ajase-2106	121	60	p	p	X
ajase-2106	121	61	>	>	X
ajase-2106	121	62	0.05	0.05	NUM
ajase-2106	121	63	)	)	PUNCT
ajase-2106	121	64	and	and	CCONJ
ajase-2106	121	65	sub	sub	NOUN
ajase-2106	121	66	(	(	PUNCT
ajase-2106	121	67	1000	1000	NUM
ajase-2106	121	68	)	)	PUNCT
ajase-2106	121	69	(	(	PUNCT
ajase-2106	121	70	β=0.00769	β=0.00769	PROPN
ajase-2106	121	71	,	,	PUNCT
ajase-2106	121	72	p	p	X
ajase-2106	121	73	>	>	X
ajase-2106	121	74	0.05	0.05	NUM
ajase-2106	121	75	)	)	PUNCT
ajase-2106	121	76	did	do	AUX
ajase-2106	121	77	not	not	PART
ajase-2106	121	78	have	have	VERB
ajase-2106	121	79	a	a	DET
ajase-2106	121	80	significant	significant	ADJ
ajase-2106	121	81	impact	impact	NOUN
ajase-2106	121	82	on	on	ADP
ajase-2106	121	83	banking	banking	NOUN
ajase-2106	121	84	stability	stability	NOUN
ajase-2106	121	85	.	.	PUNCT
ajase-2106	122	1	the	the	DET
ajase-2106	122	2	coefficient	coefficient	NOUN
ajase-2106	122	3	of	of	ADP
ajase-2106	122	4	determination	determination	NOUN
ajase-2106	122	5	or	or	CCONJ
ajase-2106	122	6	r	r	NOUN
ajase-2106	122	7	-	-	PUNCT
ajase-2106	122	8	squared	square	VERB
ajase-2106	122	9	(	(	PUNCT
ajase-2106	122	10	r2	r2	PROPN
ajase-2106	122	11	)	)	PUNCT
ajase-2106	122	12	for	for	ADP
ajase-2106	122	13	each	each	DET
ajase-2106	122	14	test	test	NOUN
ajase-2106	122	15	model	model	NOUN
ajase-2106	122	16	was	be	AUX
ajase-2106	122	17	significant	significant	ADJ
ajase-2106	122	18	(	(	PUNCT
ajase-2106	122	19	r2=(0.281	r2=(0.281	PROPN
ajase-2106	122	20	,	,	PUNCT
ajase-2106	122	21	0.255	0.255	NUM
ajase-2106	122	22	,	,	PUNCT
ajase-2106	122	23	0.221	0.221	NUM
ajase-2106	122	24	,	,	PUNCT
ajase-2106	122	25	0.488	0.488	NUM
ajase-2106	122	26	,	,	PUNCT
ajase-2106	122	27	0.426	0.426	NUM
ajase-2106	122	28	)	)	PUNCT
ajase-2106	122	29	,	,	PUNCT
ajase-2106	122	30	with	with	ADP
ajase-2106	122	31	a	a	DET
ajase-2106	122	32	statistical	statistical	ADJ
ajase-2106	122	33	significance	significance	NOUN
ajase-2106	122	34	of	of	ADP
ajase-2106	122	35	p	p	NOUN
ajase-2106	122	36	=	=	NOUN
ajase-2106	122	37	0.000	0.000	NUM
ajase-2106	122	38	.	.	PUNCT
ajase-2106	123	1	this	this	PRON
ajase-2106	123	2	indicates	indicate	VERB
ajase-2106	123	3	that	that	SCONJ
ajase-2106	123	4	the	the	DET
ajase-2106	123	5	variation	variation	NOUN
ajase-2106	123	6	in	in	ADP
ajase-2106	123	7	banking	banking	NOUN
ajase-2106	123	8	stability	stability	NOUN
ajase-2106	123	9	was	be	AUX
ajase-2106	123	10	explained	explain	VERB
ajase-2106	123	11	by	by	ADP
ajase-2106	123	12	the	the	DET
ajase-2106	123	13	significant	significant	ADJ
ajase-2106	123	14	financial	financial	ADJ
ajase-2106	123	15	inclusion	inclusion	NOUN
ajase-2106	123	16	indicators	indicator	NOUN
ajase-2106	123	17	,	,	PUNCT
ajase-2106	123	18	while	while	SCONJ
ajase-2106	123	19	the	the	DET
ajase-2106	123	20	remaining	remain	VERB
ajase-2106	123	21	determination	determination	NOUN
ajase-2106	123	22	coefficients	coefficient	NOUN
ajase-2106	123	23	were	be	AUX
ajase-2106	123	24	explained	explain	VERB
ajase-2106	123	25	by	by	ADP
ajase-2106	123	26	other	other	ADJ
ajase-2106	123	27	variables	variable	NOUN
ajase-2106	123	28	not	not	PART
ajase-2106	123	29	considered	consider	VERB
ajase-2106	123	30	in	in	ADP
ajase-2106	123	31	this	this	DET
ajase-2106	123	32	test	test	NOUN
ajase-2106	123	33	model	model	NOUN
ajase-2106	123	34	.	.	PUNCT
ajase-2106	124	1	based	base	VERB
ajase-2106	124	2	on	on	ADP
ajase-2106	124	3	these	these	DET
ajase-2106	124	4	results	result	NOUN
ajase-2106	124	5	,	,	PUNCT
ajase-2106	124	6	the	the	DET
ajase-2106	124	7	impact	impact	NOUN
ajase-2106	124	8	of	of	ADP
ajase-2106	124	9	financial	financial	ADJ
ajase-2106	124	10	inclusion	inclusion	NOUN
ajase-2106	124	11	during	during	ADP
ajase-2106	124	12	the	the	DET
ajase-2106	124	13	study	study	NOUN
ajase-2106	124	14	period	period	NOUN
ajase-2106	124	15	was	be	AUX
ajase-2106	124	16	not	not	PART
ajase-2106	124	17	total	total	ADJ
ajase-2106	124	18	but	but	CCONJ
ajase-2106	124	19	partial	partial	ADJ
ajase-2106	124	20	,	,	PUNCT
ajase-2106	124	21	due	due	ADP
ajase-2106	124	22	to	to	ADP
ajase-2106	124	23	the	the	DET
ajase-2106	124	24	significant	significant	ADJ
ajase-2106	124	25	impact	impact	NOUN
ajase-2106	124	26	of	of	ADP
ajase-2106	124	27	some	some	DET
ajase-2106	124	28	indicators	indicator	NOUN
ajase-2106	124	29	in	in	ADP
ajase-2106	124	30	the	the	DET
ajase-2106	124	31	test	test	NOUN
ajase-2106	124	32	model	model	NOUN
ajase-2106	124	33	.	.	PUNCT
ajase-2106	125	1	the	the	DET
ajase-2106	125	2	reason	reason	NOUN
ajase-2106	125	3	for	for	ADP
ajase-2106	125	4	the	the	DET
ajase-2106	125	5	significance	significance	NOUN
ajase-2106	125	6	of	of	ADP
ajase-2106	125	7	the	the	DET
ajase-2106	125	8	impact	impact	NOUN
ajase-2106	125	9	on	on	ADP
ajase-2106	125	10	banking	banking	NOUN
ajase-2106	125	11	stability	stability	NOUN
ajase-2106	125	12	may	may	AUX
ajase-2106	125	13	be	be	AUX
ajase-2106	125	14	that	that	SCONJ
ajase-2106	125	15	the	the	DET
ajase-2106	125	16	financial	financial	ADJ
ajase-2106	125	17	inclusion	inclusion	NOUN
ajase-2106	125	18	indicators	indicator	NOUN
ajase-2106	125	19	represent	represent	VERB
ajase-2106	125	20	an	an	DET
ajase-2106	125	21	investment	investment	NOUN
ajase-2106	125	22	that	that	PRON
ajase-2106	125	23	aims	aim	VERB
ajase-2106	125	24	to	to	PART
ajase-2106	125	25	achieve	achieve	VERB
ajase-2106	125	26	planned	planned	ADJ
ajase-2106	125	27	stability	stability	NOUN
ajase-2106	125	28	.	.	PUNCT
ajase-2106	126	1	however	however	ADV
ajase-2106	126	2	,	,	PUNCT
ajase-2106	126	3	this	this	DET
ajase-2106	126	4	stability	stability	NOUN
ajase-2106	126	5	appears	appear	VERB
ajase-2106	126	6	to	to	PART
ajase-2106	126	7	be	be	AUX
ajase-2106	126	8	inversely	inversely	ADV
ajase-2106	126	9	related	relate	VERB
ajase-2106	126	10	to	to	ADP
ajase-2106	126	11	the	the	DET
ajase-2106	126	12	beta	beta	ADJ
ajase-2106	126	13	values	value	NOUN
ajase-2106	126	14	,	,	PUNCT
ajase-2106	126	15	meaning	mean	VERB
ajase-2106	126	16	that	that	SCONJ
ajase-2106	126	17	as	as	SCONJ
ajase-2106	126	18	there	there	PRON
ajase-2106	126	19	is	be	VERB
ajase-2106	126	20	an	an	DET
ajase-2106	126	21	expansion	expansion	NOUN
ajase-2106	126	22	in	in	ADP
ajase-2106	126	23	financial	financial	ADJ
ajase-2106	126	24	inclusion	inclusion	NOUN
ajase-2106	126	25	,	,	PUNCT
ajase-2106	126	26	it	it	PRON
ajase-2106	126	27	is	be	AUX
ajase-2106	126	28	accompanied	accompany	VERB
ajase-2106	126	29	by	by	ADP
ajase-2106	126	30	a	a	DET
ajase-2106	126	31	decrease	decrease	NOUN
ajase-2106	126	32	in	in	ADP
ajase-2106	126	33	stability	stability	NOUN
ajase-2106	126	34	.	.	PUNCT
ajase-2106	127	1	this	this	PRON
ajase-2106	127	2	could	could	AUX
ajase-2106	127	3	be	be	AUX
ajase-2106	127	4	attributed	attribute	VERB
ajase-2106	127	5	to	to	ADP
ajase-2106	127	6	the	the	DET
ajase-2106	127	7	growth	growth	NOUN
ajase-2106	127	8	rates	rate	NOUN
ajase-2106	127	9	of	of	ADP
ajase-2106	127	10	financial	financial	ADJ
ajase-2106	127	11	inclusion	inclusion	NOUN
ajase-2106	127	12	indicators	indicator	NOUN
ajase-2106	127	13	leading	lead	VERB
ajase-2106	127	14	to	to	ADP
ajase-2106	127	15	an	an	DET
ajase-2106	127	16	increase	increase	NOUN
ajase-2106	127	17	in	in	ADP
ajase-2106	127	18	deposits	deposit	NOUN
ajase-2106	127	19	and	and	CCONJ
ajase-2106	127	20	loans	loan	NOUN
ajase-2106	127	21	provided	provide	VERB
ajase-2106	127	22	by	by	ADP
ajase-2106	127	23	banks	bank	NOUN
ajase-2106	127	24	to	to	ADP
ajase-2106	127	25	customers	customer	NOUN
ajase-2106	127	26	.	.	PUNCT
ajase-2106	128	1	additionally	additionally	ADV
ajase-2106	128	2	,	,	PUNCT
ajase-2106	128	3	the	the	DET
ajase-2106	128	4	banking	banking	NOUN
ajase-2106	128	5	spread	spread	VERB
ajase-2106	128	6	index	index	NOUN
ajase-2106	128	7	in	in	ADP
ajase-2106	128	8	all	all	DET
ajase-2106	128	9	its	its	PRON
ajase-2106	128	10	forms	form	NOUN
ajase-2106	128	11	negatively	negatively	ADV
ajase-2106	128	12	affects	affect	VERB
ajase-2106	128	13	the	the	DET
ajase-2106	128	14	nature	nature	NOUN
ajase-2106	128	15	of	of	ADP
ajase-2106	128	16	stability	stability	NOUN
ajase-2106	128	17	due	due	ADP
ajase-2106	128	18	to	to	ADP
ajase-2106	128	19	an	an	DET
ajase-2106	128	20	increase	increase	NOUN
ajase-2106	128	21	in	in	ADP
ajase-2106	128	22	the	the	DET
ajase-2106	128	23	supervision	supervision	NOUN
ajase-2106	128	24	scope	scope	NOUN
ajase-2106	128	25	and	and	CCONJ
ajase-2106	128	26	a	a	DET
ajase-2106	128	27	loss	loss	NOUN
ajase-2106	128	28	of	of	ADP
ajase-2106	128	29	control	control	NOUN
ajase-2106	128	30	over	over	ADP
ajase-2106	128	31	branches	branch	NOUN
ajase-2106	128	32	.	.	PUNCT
ajase-2106	129	1	this	this	PRON
ajase-2106	129	2	,	,	PUNCT
ajase-2106	129	3	in	in	ADP
ajase-2106	129	4	turn	turn	NOUN
ajase-2106	129	5	,	,	PUNCT
ajase-2106	129	6	leads	lead	VERB
ajase-2106	129	7	to	to	ADP
ajase-2106	129	8	an	an	DET
ajase-2106	129	9	increase	increase	NOUN
ajase-2106	129	10	in	in	ADP
ajase-2106	129	11	non	non	ADJ
ajase-2106	129	12	-	-	ADJ
ajase-2106	129	13	performing	performing	ADJ
ajase-2106	129	14	loans	loan	NOUN
ajase-2106	129	15	compared	compare	VERB
ajase-2106	129	16	to	to	ADP
ajase-2106	129	17	the	the	DET
ajase-2106	129	18	decrease	decrease	NOUN
ajase-2106	129	19	in	in	ADP
ajase-2106	129	20	deposits	deposit	NOUN
ajase-2106	129	21	,	,	PUNCT
ajase-2106	129	22	which	which	PRON
ajase-2106	129	23	are	be	AUX
ajase-2106	129	24	considered	consider	VERB
ajase-2106	129	25	the	the	DET
ajase-2106	129	26	primary	primary	ADJ
ajase-2106	129	27	drivers	driver	NOUN
ajase-2106	129	28	of	of	ADP
ajase-2106	129	29	banking	banking	NOUN
ajase-2106	129	30	activity	activity	NOUN
ajase-2106	129	31	.	.	PUNCT
ajase-2106	130	1	table	table	NOUN
ajase-2106	130	2	(	(	PUNCT
ajase-2106	130	3	2	2	X
ajase-2106	130	4	)	)	PUNCT
ajase-2106	130	5	summarizes	summarize	VERB
ajase-2106	130	6	the	the	DET
ajase-2106	130	7	results	result	NOUN
ajase-2106	130	8	of	of	ADP
ajase-2106	130	9	testing	test	VERB
ajase-2106	130	10	the	the	DET
ajase-2106	130	11	hypothesis	hypothesis	NOUN
ajase-2106	130	12	.	.	PUNCT
ajase-2106	131	1	table	table	NOUN
ajase-2106	131	2	2	2	NUM
ajase-2106	131	3	:	:	PUNCT
ajase-2106	131	4	results	result	NOUN
ajase-2106	131	5	of	of	ADP
ajase-2106	131	6	the	the	DET
ajase-2106	131	7	first	first	ADJ
ajase-2106	131	8	hypothesis	hypothesis	NOUN
ajase-2106	131	9	testing	testing	NOUN
ajase-2106	131	10	path	path	NOUN
ajase-2106	131	11	α	α	PROPN
ajase-2106	131	12	coef	coef	PROPN
ajase-2106	131	13	.	.	PUNCT
ajase-2106	132	1	std	std	NOUN
ajase-2106	132	2	.	.	PUNCT
ajase-2106	133	1	err	err	PROPN
ajase-2106	133	2	.	.	PUNCT
ajase-2106	134	1	t	t	PROPN
ajase-2106	134	2	p>|t|	p>|t|	PROPN
ajase-2106	134	3	r2	r2	PROPN
ajase-2106	134	4	prob	prob	NOUN
ajase-2106	134	5	bd	bd	PROPN
ajase-2106	134	6	<	<	X
ajase-2106	134	7	--b	--b	PROPN
ajase-2106	134	8	.	.	PUNCT
ajase-2106	135	1	st	st	PROPN
ajase-2106	135	2	.	.	PROPN
ajase-2106	135	3	index	index	PROPN
ajase-2106	135	4	.6301	.6301	PROPN
ajase-2106	135	5	-.0089	-.0089	PROPN
ajase-2106	135	6	.0041	.0041	PROPN
ajase-2106	135	7	-2.17	-2.17	NUM
ajase-2106	135	8	0.030	0.030	NUM
ajase-2106	135	9	0.281	0.281	NUM
ajase-2106	135	10	.000	.000	NUM
ajase-2106	135	11	bs	bs	PROPN
ajase-2106	135	12	<	<	X
ajase-2106	135	13	--	--	PROPN
ajase-2106	135	14	b.	b.	PROPN
ajase-2106	135	15	st	st	PROPN
ajase-2106	135	16	.	.	PROPN
ajase-2106	135	17	index	index	PROPN
ajase-2106	135	18	-.0313	-.0313	PUNCT
ajase-2106	135	19	.1223	.1223	NOUN
ajase-2106	136	1	.0603	.0603	CCONJ
ajase-2106	137	1	2.03	2.03	NUM
ajase-2106	137	2	0.043	0.043	NUM
ajase-2106	137	3	0.255	0.255	NUM
ajase-2106	137	4	.000	.000	NUM
ajase-2106	137	5	r	r	NOUN
ajase-2106	137	6	atm	atm	NOUN
ajase-2106	137	7	<	<	X
ajase-2106	137	8	--	--	PUNCT
ajase-2106	137	9	b.	b.	PROPN
ajase-2106	137	10	st	st	PROPN
ajase-2106	137	11	.	.	PROPN
ajase-2106	137	12	index	index	PROPN
ajase-2106	137	13	.3935	.3935	PROPN
ajase-2106	138	1	.0318	.0318	PROPN
ajase-2106	138	2	.0174	.0174	PROPN
ajase-2106	138	3	-1.82	-1.82	VERB
ajase-2106	138	4	0.069	0.069	NUM
ajase-2106	138	5	0.216	0.216	NUM
ajase-2106	138	6	.000	.000	NUM
ajase-2106	138	7	sub/1000	sub/1000	ADJ
ajase-2106	138	8	<	<	X
ajase-2106	138	9	--	--	PUNCT
ajase-2106	138	10	b.	b.	PROPN
ajase-2106	138	11	st	st	PROPN
ajase-2106	138	12	.	.	PROPN
ajase-2106	138	13	index	index	PROPN
ajase-2106	138	14	.1165	.1165	PROPN
ajase-2106	138	15	.0769	.0769	PUNCT
ajase-2106	139	1	.0953	.0953	NOUN
ajase-2106	139	2	0.81	0.81	NUM
ajase-2106	139	3	0.420	0.420	NUM
ajase-2106	139	4	0.051	0.051	NUM
ajase-2106	139	5	.478	.478	NUM
ajase-2106	139	6	atm	atm	NOUN
ajase-2106	139	7	/1000	/1000	PUNCT
ajase-2106	139	8	<	<	X
ajase-2106	139	9	--	--	PUNCT
ajase-2106	139	10	b.	b.	PROPN
ajase-2106	139	11	st	st	PROPN
ajase-2106	139	12	.	.	PROPN
ajase-2106	139	13	index	index	PROPN
ajase-2106	139	14	.3797	.3797	PROPN
ajase-2106	140	1	-.0530	-.0530	PUNCT
ajase-2106	140	2	.0286	.0286	PROPN
ajase-2106	140	3	-2.05	-2.05	ADJ
ajase-2106	141	1	0.044	0.044	NUM
ajase-2106	141	2	0.221	0.221	NUM
ajase-2106	141	3	.000	.000	NUM
ajase-2106	141	4	dobli	dobli	NOUN
ajase-2106	141	5	<	<	X
ajase-2106	141	6	--	--	PUNCT
ajase-2106	141	7	b.	b.	PROPN
ajase-2106	141	8	st	st	PROPN
ajase-2106	141	9	.	.	PROPN
ajase-2106	141	10	index	index	PROPN
ajase-2106	141	11	.5544	.5544	PROPN
ajase-2106	141	12	-.0333	-.0333	PUNCT
ajase-2106	141	13	.0098	.0098	NOUN
ajase-2106	141	14	-3.38	-3.38	NUM
ajase-2106	141	15	0.001	0.001	NUM
ajase-2106	141	16	0.488	0.488	NUM
ajase-2106	141	17	.000	.000	NUM
ajase-2106	141	18	dbi	dbi	PROPN
ajase-2106	141	19	<	<	PROPN
ajase-2106	141	20	--	--	PUNCT
ajase-2106	141	21	b.	b.	PROPN
ajase-2106	141	22	st	st	PROPN
ajase-2106	141	23	.	.	PROPN
ajase-2106	141	24	index	index	PROPN
ajase-2106	141	25	.5635	.5635	PROPN
ajase-2106	141	26	-.0245	-.0245	PUNCT
ajase-2106	141	27	.0082	.0082	PROPN
ajase-2106	141	28	-2.99	-2.99	VERB
ajase-2106	141	29	0.003	0.003	NUM
ajase-2106	141	30	0.426	0.426	NUM
ajase-2106	141	31	.000	.000	NUM
ajase-2106	141	32	pa	pa	PROPN
ajase-2106	141	33	ge	ge	PROPN
ajase-2106	141	34	52	52	NUM
ajase-2106	141	35	https://journals.e-palli.com/home/index.php/ajase	https://journals.e-palli.com/home/index.php/ajase	PROPN
ajase-2106	141	36	am	be	AUX
ajase-2106	141	37	.	.	PUNCT
ajase-2106	142	1	j.	j.	PROPN
ajase-2106	142	2	appl	appl	PROPN
ajase-2106	142	3	.	.	PROPN
ajase-2106	143	1	stat	stat	PROPN
ajase-2106	143	2	.	.	PUNCT
ajase-2106	144	1	econ	econ	PROPN
ajase-2106	144	2	.	.	PUNCT
ajase-2106	145	1	2(1	2(1	NUM
ajase-2106	145	2	)	)	PUNCT
ajase-2106	145	3	48	48	NUM
ajase-2106	145	4	-	-	SYM
ajase-2106	145	5	53	53	NUM
ajase-2106	145	6	,	,	PUNCT
ajase-2106	145	7	2023	2023	NUM
ajase-2106	145	8	conclusions	conclusion	NOUN
ajase-2106	145	9	the	the	DET
ajase-2106	145	10	current	current	ADJ
ajase-2106	145	11	paper	paper	NOUN
ajase-2106	145	12	aimed	aim	VERB
ajase-2106	145	13	to	to	PART
ajase-2106	145	14	test	test	VERB
ajase-2106	145	15	the	the	DET
ajase-2106	145	16	impact	impact	NOUN
ajase-2106	145	17	of	of	ADP
ajase-2106	145	18	financial	financial	ADJ
ajase-2106	145	19	inclusion	inclusion	NOUN
ajase-2106	145	20	on	on	ADP
ajase-2106	145	21	the	the	DET
ajase-2106	145	22	stability	stability	NOUN
ajase-2106	145	23	of	of	ADP
ajase-2106	145	24	the	the	DET
ajase-2106	145	25	iraqi	iraqi	ADJ
ajase-2106	145	26	banking	banking	NOUN
ajase-2106	145	27	sector	sector	NOUN
ajase-2106	145	28	.	.	PUNCT
ajase-2106	146	1	the	the	DET
ajase-2106	146	2	results	result	NOUN
ajase-2106	146	3	confirmed	confirm	VERB
ajase-2106	146	4	a	a	DET
ajase-2106	146	5	significant	significant	ADJ
ajase-2106	146	6	decrease	decrease	NOUN
ajase-2106	146	7	in	in	ADP
ajase-2106	146	8	the	the	DET
ajase-2106	146	9	number	number	NOUN
ajase-2106	146	10	of	of	ADP
ajase-2106	146	11	bank	bank	NOUN
ajase-2106	146	12	branches	branch	NOUN
ajase-2106	146	13	during	during	ADP
ajase-2106	146	14	the	the	DET
ajase-2106	146	15	research	research	NOUN
ajase-2106	146	16	sample	sample	NOUN
ajase-2106	146	17	period	period	NOUN
ajase-2106	146	18	relative	relative	ADJ
ajase-2106	146	19	to	to	ADP
ajase-2106	146	20	the	the	DET
ajase-2106	146	21	population	population	NOUN
ajase-2106	146	22	in	in	ADP
ajase-2106	146	23	iraq	iraq	PROPN
ajase-2106	146	24	,	,	PUNCT
ajase-2106	146	25	according	accord	VERB
ajase-2106	146	26	to	to	ADP
ajase-2106	146	27	international	international	ADJ
ajase-2106	146	28	standards	standard	NOUN
ajase-2106	146	29	.	.	PUNCT
ajase-2106	147	1	the	the	DET
ajase-2106	147	2	results	result	NOUN
ajase-2106	147	3	indicated	indicate	VERB
ajase-2106	147	4	the	the	DET
ajase-2106	147	5	inadequacy	inadequacy	NOUN
ajase-2106	147	6	of	of	ADP
ajase-2106	147	7	the	the	DET
ajase-2106	147	8	number	number	NOUN
ajase-2106	147	9	of	of	ADP
ajase-2106	147	10	atms	atms	NOUN
ajase-2106	147	11	,	,	PUNCT
ajase-2106	147	12	despite	despite	SCONJ
ajase-2106	147	13	a	a	DET
ajase-2106	147	14	noticeable	noticeable	ADJ
ajase-2106	147	15	increase	increase	NOUN
ajase-2106	147	16	in	in	ADP
ajase-2106	147	17	their	their	PRON
ajase-2106	147	18	numbers	number	NOUN
ajase-2106	147	19	.	.	PUNCT
ajase-2106	148	1	however	however	ADV
ajase-2106	148	2	,	,	PUNCT
ajase-2106	148	3	this	this	DET
ajase-2106	148	4	increase	increase	NOUN
ajase-2106	148	5	is	be	AUX
ajase-2106	148	6	not	not	PART
ajase-2106	148	7	proportional	proportional	ADJ
ajase-2106	148	8	to	to	ADP
ajase-2106	148	9	the	the	DET
ajase-2106	148	10	growing	grow	VERB
ajase-2106	148	11	demand	demand	NOUN
ajase-2106	148	12	for	for	ADP
ajase-2106	148	13	them	they	PRON
ajase-2106	148	14	,	,	PUNCT
ajase-2106	148	15	leading	lead	VERB
ajase-2106	148	16	to	to	ADP
ajase-2106	148	17	a	a	DET
ajase-2106	148	18	significant	significant	ADJ
ajase-2106	148	19	gap	gap	NOUN
ajase-2106	148	20	between	between	ADP
ajase-2106	148	21	the	the	DET
ajase-2106	148	22	two	two	NUM
ajase-2106	148	23	.	.	PUNCT
ajase-2106	149	1	regarding	regard	VERB
ajase-2106	149	2	banking	banking	NOUN
ajase-2106	149	3	distribution	distribution	NOUN
ajase-2106	149	4	,	,	PUNCT
ajase-2106	149	5	there	there	PRON
ajase-2106	149	6	has	have	AUX
ajase-2106	149	7	been	be	AUX
ajase-2106	149	8	a	a	DET
ajase-2106	149	9	noticeable	noticeable	ADJ
ajase-2106	149	10	relative	relative	ADJ
ajase-2106	149	11	increase	increase	NOUN
ajase-2106	149	12	in	in	ADP
ajase-2106	149	13	recent	recent	ADJ
ajase-2106	149	14	years	year	NOUN
ajase-2106	149	15	during	during	ADP
ajase-2106	149	16	the	the	DET
ajase-2106	149	17	time	time	NOUN
ajase-2106	149	18	frame	frame	NOUN
ajase-2106	149	19	of	of	ADP
ajase-2106	149	20	the	the	DET
ajase-2106	149	21	research	research	NOUN
ajase-2106	149	22	sample	sample	NOUN
ajase-2106	149	23	.	.	PUNCT
ajase-2106	150	1	however	however	ADV
ajase-2106	150	2	,	,	PUNCT
ajase-2106	150	3	it	it	PRON
ajase-2106	150	4	has	have	AUX
ajase-2106	150	5	not	not	PART
ajase-2106	150	6	reached	reach	VERB
ajase-2106	150	7	the	the	DET
ajase-2106	150	8	required	require	VERB
ajase-2106	150	9	level	level	NOUN
ajase-2106	150	10	according	accord	VERB
ajase-2106	150	11	to	to	ADP
ajase-2106	150	12	global	global	ADJ
ajase-2106	150	13	standards	standard	NOUN
ajase-2106	150	14	.	.	PUNCT
ajase-2106	151	1	this	this	PRON
ajase-2106	151	2	can	can	AUX
ajase-2106	151	3	be	be	AUX
ajase-2106	151	4	attributed	attribute	VERB
ajase-2106	151	5	to	to	ADP
ajase-2106	151	6	the	the	DET
ajase-2106	151	7	focus	focus	NOUN
ajase-2106	151	8	of	of	ADP
ajase-2106	151	9	the	the	DET
ajase-2106	151	10	research	research	NOUN
ajase-2106	151	11	sample	sample	NOUN
ajase-2106	151	12	’s	’s	PART
ajase-2106	151	13	banks	bank	NOUN
ajase-2106	151	14	on	on	ADP
ajase-2106	151	15	major	major	ADJ
ajase-2106	151	16	cities	city	NOUN
ajase-2106	151	17	,	,	PUNCT
ajase-2106	151	18	which	which	PRON
ajase-2106	151	19	are	be	AUX
ajase-2106	151	20	characterized	characterize	VERB
ajase-2106	151	21	by	by	ADP
ajase-2106	151	22	high	high	ADJ
ajase-2106	151	23	population	population	NOUN
ajase-2106	151	24	density	density	NOUN
ajase-2106	151	25	.	.	PUNCT
ajase-2106	152	1	also	also	ADV
ajase-2106	152	2	,	,	PUNCT
ajase-2106	152	3	the	the	DET
ajase-2106	152	4	stability	stability	NOUN
ajase-2106	152	5	of	of	ADP
ajase-2106	152	6	the	the	DET
ajase-2106	152	7	iraqi	iraqi	ADJ
ajase-2106	152	8	banking	banking	NOUN
ajase-2106	152	9	system	system	NOUN
ajase-2106	152	10	witnessed	witness	VERB
ajase-2106	152	11	significant	significant	ADJ
ajase-2106	152	12	fluctuations	fluctuation	NOUN
ajase-2106	152	13	during	during	ADP
ajase-2106	152	14	the	the	DET
ajase-2106	152	15	research	research	NOUN
ajase-2106	152	16	sample	sample	NOUN
ajase-2106	152	17	period	period	NOUN
ajase-2106	152	18	.	.	PUNCT
ajase-2106	153	1	in	in	ADP
ajase-2106	153	2	the	the	DET
ajase-2106	153	3	first	first	ADJ
ajase-2106	153	4	five	five	NUM
ajase-2106	153	5	years	year	NOUN
ajase-2106	153	6	of	of	ADP
ajase-2106	153	7	the	the	DET
ajase-2106	153	8	research	research	NOUN
ajase-2106	153	9	period	period	NOUN
ajase-2106	153	10	,	,	PUNCT
ajase-2106	153	11	there	there	PRON
ajase-2106	153	12	was	be	VERB
ajase-2106	153	13	clear	clear	ADJ
ajase-2106	153	14	stability	stability	NOUN
ajase-2106	153	15	,	,	PUNCT
ajase-2106	153	16	followed	follow	VERB
ajase-2106	153	17	by	by	ADP
ajase-2106	153	18	a	a	DET
ajase-2106	153	19	significant	significant	ADJ
ajase-2106	153	20	decrease	decrease	NOUN
ajase-2106	153	21	in	in	ADP
ajase-2106	153	22	the	the	DET
ajase-2106	153	23	composite	composite	ADJ
ajase-2106	153	24	index	index	NOUN
ajase-2106	153	25	level	level	NOUN
ajase-2106	153	26	,	,	PUNCT
ajase-2106	153	27	as	as	SCONJ
ajase-2106	153	28	endorsed	endorse	VERB
ajase-2106	153	29	by	by	ADP
ajase-2106	153	30	the	the	DET
ajase-2106	153	31	central	central	ADJ
ajase-2106	153	32	bank	bank	PROPN
ajase-2106	153	33	of	of	ADP
ajase-2106	153	34	iraq	iraq	PROPN
ajase-2106	153	35	,	,	PUNCT
ajase-2106	153	36	as	as	ADP
ajase-2106	153	37	a	a	DET
ajase-2106	153	38	natural	natural	ADJ
ajase-2106	153	39	consequence	consequence	NOUN
ajase-2106	153	40	.	.	PUNCT
ajase-2106	154	1	the	the	DET
ajase-2106	154	2	reasons	reason	NOUN
ajase-2106	154	3	for	for	ADP
ajase-2106	154	4	this	this	PRON
ajase-2106	154	5	can	can	AUX
ajase-2106	154	6	certainly	certainly	ADV
ajase-2106	154	7	be	be	AUX
ajase-2106	154	8	attributed	attribute	VERB
ajase-2106	154	9	to	to	ADP
ajase-2106	154	10	the	the	DET
ajase-2106	154	11	security	security	NOUN
ajase-2106	154	12	and	and	CCONJ
ajase-2106	154	13	political	political	ADJ
ajase-2106	154	14	conditions	condition	NOUN
ajase-2106	154	15	that	that	PRON
ajase-2106	154	16	iraq	iraq	PROPN
ajase-2106	154	17	went	go	VERB
ajase-2106	154	18	through	through	ADP
ajase-2106	154	19	during	during	ADP
ajase-2106	154	20	that	that	DET
ajase-2106	154	21	period	period	NOUN
ajase-2106	154	22	,	,	PUNCT
ajase-2106	154	23	and	and	CCONJ
ajase-2106	154	24	undoubtedly	undoubtedly	ADV
ajase-2106	154	25	followed	follow	VERB
ajase-2106	154	26	by	by	ADP
ajase-2106	154	27	the	the	DET
ajase-2106	154	28	covid-19	covid-19	PROPN
ajase-2106	154	29	pandemic	pandemic	NOUN
ajase-2106	154	30	.	.	PUNCT
ajase-2106	155	1	in	in	ADP
ajase-2106	155	2	light	light	NOUN
ajase-2106	155	3	of	of	ADP
ajase-2106	155	4	the	the	DET
ajase-2106	155	5	conclusions	conclusion	NOUN
ajase-2106	155	6	reached	reach	VERB
ajase-2106	155	7	regarding	regard	VERB
ajase-2106	155	8	the	the	DET
ajase-2106	155	9	iraqi	iraqi	ADJ
ajase-2106	155	10	banking	banking	NOUN
ajase-2106	155	11	sector	sector	NOUN
ajase-2106	155	12	in	in	ADP
ajase-2106	155	13	the	the	DET
ajase-2106	155	14	research	research	NOUN
ajase-2106	155	15	sample	sample	NOUN
ajase-2106	155	16	,	,	PUNCT
ajase-2106	155	17	it	it	PRON
ajase-2106	155	18	becomes	become	VERB
ajase-2106	155	19	evident	evident	ADJ
ajase-2106	155	20	that	that	SCONJ
ajase-2106	155	21	there	there	PRON
ajase-2106	155	22	is	be	VERB
ajase-2106	155	23	a	a	DET
ajase-2106	155	24	need	need	NOUN
ajase-2106	155	25	for	for	SCONJ
ajase-2106	155	26	banking	banking	NOUN
ajase-2106	155	27	management	management	NOUN
ajase-2106	155	28	to	to	PART
ajase-2106	155	29	increase	increase	VERB
ajase-2106	155	30	access	access	NOUN
ajase-2106	155	31	to	to	ADP
ajase-2106	155	32	financial	financial	ADJ
ajase-2106	155	33	services	service	NOUN
ajase-2106	155	34	by	by	ADP
ajase-2106	155	35	increasing	increase	VERB
ajase-2106	155	36	the	the	DET
ajase-2106	155	37	number	number	NOUN
ajase-2106	155	38	of	of	ADP
ajase-2106	155	39	branches	branch	NOUN
ajase-2106	155	40	and	and	CCONJ
ajase-2106	155	41	atms	atms	NOUN
ajase-2106	155	42	in	in	ADP
ajase-2106	155	43	all	all	DET
ajase-2106	155	44	iraqi	iraqi	ADJ
ajase-2106	155	45	provinces	province	NOUN
ajase-2106	155	46	,	,	PUNCT
ajase-2106	155	47	taking	take	VERB
ajase-2106	155	48	into	into	ADP
ajase-2106	155	49	account	account	NOUN
ajase-2106	155	50	the	the	DET
ajase-2106	155	51	country	country	NOUN
ajase-2106	155	52	’s	’s	PART
ajase-2106	155	53	size	size	NOUN
ajase-2106	155	54	,	,	PUNCT
ajase-2106	155	55	and	and	CCONJ
ajase-2106	155	56	not	not	PART
ajase-2106	155	57	restricting	restrict	VERB
ajase-2106	155	58	them	they	PRON
ajase-2106	155	59	to	to	ADP
ajase-2106	155	60	specific	specific	ADJ
ajase-2106	155	61	provinces	province	NOUN
ajase-2106	155	62	only	only	ADV
ajase-2106	155	63	.	.	PUNCT
ajase-2106	156	1	furthermore	furthermore	ADV
ajase-2106	156	2	,	,	PUNCT
ajase-2106	156	3	it	it	PRON
ajase-2106	156	4	is	be	AUX
ajase-2106	156	5	essential	essential	ADJ
ajase-2106	156	6	for	for	SCONJ
ajase-2106	156	7	banking	banking	NOUN
ajase-2106	156	8	management	management	NOUN
ajase-2106	156	9	to	to	PART
ajase-2106	156	10	consistently	consistently	ADV
ajase-2106	156	11	focus	focus	VERB
ajase-2106	156	12	on	on	ADP
ajase-2106	156	13	the	the	DET
ajase-2106	156	14	indicators	indicator	NOUN
ajase-2106	156	15	adopted	adopt	VERB
ajase-2106	156	16	by	by	ADP
ajase-2106	156	17	international	international	ADJ
ajase-2106	156	18	central	central	ADJ
ajase-2106	156	19	banks	bank	NOUN
ajase-2106	156	20	,	,	PUNCT
ajase-2106	156	21	including	include	VERB
ajase-2106	156	22	the	the	DET
ajase-2106	156	23	central	central	ADJ
ajase-2106	156	24	bank	bank	NOUN
ajase-2106	156	25	of	of	ADP
ajase-2106	156	26	iraq	iraq	PROPN
ajase-2106	156	27	.	.	PUNCT
ajase-2106	157	1	references	reference	NOUN
ajase-2106	157	2	akhtar	akhtar	PROPN
ajase-2106	157	3	,	,	PUNCT
ajase-2106	157	4	s.	s.	PROPN
ajase-2106	157	5	,	,	PUNCT
ajase-2106	157	6	&	&	CCONJ
ajase-2106	157	7	pearce	pearce	PROPN
ajase-2106	157	8	,	,	PUNCT
ajase-2106	157	9	d.	d.	PROPN
ajase-2106	157	10	(	(	PUNCT
ajase-2106	157	11	2010	2010	NUM
ajase-2106	157	12	)	)	PUNCT
ajase-2106	157	13	.	.	PUNCT
ajase-2106	158	1	microfinance	microfinance	NOUN
ajase-2106	158	2	in	in	ADP
ajase-2106	158	3	the	the	DET
ajase-2106	158	4	arab	arab	ADJ
ajase-2106	158	5	world	world	NOUN
ajase-2106	158	6	:	:	PUNCT
ajase-2106	158	7	the	the	DET
ajase-2106	158	8	challenge	challenge	NOUN
ajase-2106	158	9	of	of	ADP
ajase-2106	158	10	financial	financial	ADJ
ajase-2106	158	11	inclusion	inclusion	NOUN
ajase-2106	158	12	.	.	PUNCT
ajase-2106	159	1	al	al	PROPN
ajase-2106	159	2	-	-	PUNCT
ajase-2106	159	3	chahadah	chahadah	PROPN
ajase-2106	159	4	,	,	PUNCT
ajase-2106	159	5	a.	a.	PROPN
ajase-2106	159	6	r.	r.	PROPN
ajase-2106	159	7	,	,	PUNCT
ajase-2106	159	8	refae	refae	PROPN
ajase-2106	159	9	,	,	PUNCT
ajase-2106	159	10	g.	g.	PROPN
ajase-2106	159	11	a.	a.	PROPN
ajase-2106	159	12	e.	e.	PROPN
ajase-2106	159	13	,	,	PUNCT
ajase-2106	159	14	&	&	CCONJ
ajase-2106	159	15	qasim	qasim	PROPN
ajase-2106	159	16	,	,	PUNCT
ajase-2106	159	17	a.	a.	NOUN
ajase-2106	159	18	(	(	PUNCT
ajase-2106	159	19	2020	2020	NUM
ajase-2106	159	20	)	)	PUNCT
ajase-2106	159	21	.	.	PUNCT
ajase-2106	160	1	the	the	DET
ajase-2106	160	2	impact	impact	NOUN
ajase-2106	160	3	of	of	ADP
ajase-2106	160	4	financial	financial	ADJ
ajase-2106	160	5	inclusion	inclusion	NOUN
ajase-2106	160	6	on	on	ADP
ajase-2106	160	7	bank	bank	NOUN
ajase-2106	160	8	performance	performance	NOUN
ajase-2106	160	9	:	:	PUNCT
ajase-2106	160	10	the	the	DET
ajase-2106	160	11	case	case	NOUN
ajase-2106	160	12	of	of	ADP
ajase-2106	160	13	jordan	jordan	PROPN
ajase-2106	160	14	.	.	PUNCT
ajase-2106	161	1	international	international	ADJ
ajase-2106	161	2	journal	journal	PROPN
ajase-2106	161	3	of	of	ADP
ajase-2106	161	4	economics	economic	NOUN
ajase-2106	161	5	and	and	CCONJ
ajase-2106	161	6	business	business	NOUN
ajase-2106	161	7	research	research	NOUN
ajase-2106	161	8	,	,	PUNCT
ajase-2106	161	9	20(4	20(4	NOUN
ajase-2106	161	10	)	)	PUNCT
ajase-2106	161	11	,	,	PUNCT
ajase-2106	161	12	483	483	NUM
ajase-2106	161	13	-	-	SYM
ajase-2106	161	14	496	496	NUM
ajase-2106	161	15	.	.	PUNCT
ajase-2106	162	1	al	al	PROPN
ajase-2106	162	2	-	-	PUNCT
ajase-2106	162	3	hasnawi	hasnawi	PROPN
ajase-2106	162	4	,	,	PUNCT
ajase-2106	162	5	s.	s.	PROPN
ajase-2106	162	6	s.	s.	PROPN
ajase-2106	162	7	,	,	PUNCT
ajase-2106	162	8	&	&	CCONJ
ajase-2106	162	9	mahdi	mahdi	PROPN
ajase-2106	162	10	,	,	PUNCT
ajase-2106	162	11	l.	l.	PROPN
ajase-2106	162	12	s.	s.	PROPN
ajase-2106	162	13	(	(	PUNCT
ajase-2106	162	14	2020	2020	NUM
ajase-2106	162	15	)	)	PUNCT
ajase-2106	162	16	.	.	PUNCT
ajase-2106	163	1	the	the	DET
ajase-2106	163	2	role	role	NOUN
ajase-2106	163	3	of	of	ADP
ajase-2106	163	4	financial	financial	ADJ
ajase-2106	163	5	inclusion	inclusion	NOUN
ajase-2106	163	6	in	in	ADP
ajase-2106	163	7	promoting	promote	VERB
ajase-2106	163	8	the	the	DET
ajase-2106	163	9	growth	growth	NOUN
ajase-2106	163	10	of	of	ADP
ajase-2106	163	11	the	the	DET
ajase-2106	163	12	iraqi	iraqi	ADJ
ajase-2106	163	13	economy	economy	NOUN
ajase-2106	163	14	.	.	PUNCT
ajase-2106	164	1	an	an	DET
ajase-2106	164	2	applied	apply	VERB
ajase-2106	164	3	study	study	NOUN
ajase-2106	164	4	of	of	ADP
ajase-2106	164	5	a	a	DET
ajase-2106	164	6	sample	sample	NOUN
ajase-2106	164	7	of	of	ADP
ajase-2106	164	8	banks	bank	NOUN
ajase-2106	164	9	listed	list	VERB
ajase-2106	164	10	in	in	ADP
ajase-2106	164	11	the	the	DET
ajase-2106	164	12	iraqi	iraqi	ADJ
ajase-2106	164	13	stock	stock	NOUN
ajase-2106	164	14	exchange	exchange	PROPN
ajase-2106	164	15	,	,	PUNCT
ajase-2106	164	16	college	college	NOUN
ajase-2106	164	17	of	of	ADP
ajase-2106	164	18	administration	administration	NOUN
ajase-2106	164	19	and	and	CCONJ
ajase-2106	164	20	economics	economic	NOUN
ajase-2106	164	21	,	,	PUNCT
ajase-2106	164	22	university	university	NOUN
ajase-2106	164	23	of	of	ADP
ajase-2106	164	24	al	al	PROPN
ajase-2106	164	25	-	-	PROPN
ajase-2106	164	26	qadisiyah(58	qadisiyah(58	NOUN
ajase-2106	164	27	)	)	PUNCT
ajase-2106	164	28	,	,	PUNCT
ajase-2106	164	29	27	27	NUM
ajase-2106	164	30	-	-	SYM
ajase-2106	164	31	50	50	NUM
ajase-2106	164	32	.	.	PUNCT
ajase-2106	165	1	alshubiri	alshubiri	ADV
ajase-2106	165	2	,	,	PUNCT
ajase-2106	165	3	f.	f.	PROPN
ajase-2106	165	4	n.	n.	PROPN
ajase-2106	165	5	(	(	PUNCT
ajase-2106	165	6	2017	2017	NUM
ajase-2106	165	7	)	)	PUNCT
ajase-2106	165	8	.	.	PUNCT
ajase-2106	166	1	determinants	determinant	NOUN
ajase-2106	166	2	of	of	ADP
ajase-2106	166	3	financial	financial	ADJ
ajase-2106	166	4	stability	stability	NOUN
ajase-2106	166	5	:	:	PUNCT
ajase-2106	166	6	an	an	DET
ajase-2106	166	7	empirical	empirical	ADJ
ajase-2106	166	8	study	study	NOUN
ajase-2106	166	9	of	of	ADP
ajase-2106	166	10	commercial	commercial	ADJ
ajase-2106	166	11	banks	bank	NOUN
ajase-2106	166	12	listed	list	VERB
ajase-2106	166	13	in	in	ADP
ajase-2106	166	14	muscat	muscat	NOUN
ajase-2106	166	15	security	security	NOUN
ajase-2106	166	16	market	market	NOUN
ajase-2106	166	17	.	.	PUNCT
ajase-2106	167	1	journal	journal	NOUN
ajase-2106	167	2	of	of	ADP
ajase-2106	167	3	business	business	NOUN
ajase-2106	167	4	and	and	CCONJ
ajase-2106	167	5	retail	retail	ADJ
ajase-2106	167	6	management	management	NOUN
ajase-2106	167	7	research	research	NOUN
ajase-2106	167	8	,	,	PUNCT
ajase-2106	167	9	11(4	11(4	NUM
ajase-2106	167	10	)	)	PUNCT
ajase-2106	167	11	.	.	PUNCT
ajase-2106	168	1	alsomaidaee	alsomaidaee	ADJ
ajase-2106	168	2	,	,	PUNCT
ajase-2106	168	3	m.	m.	NOUN
ajase-2106	168	4	,	,	PUNCT
ajase-2106	168	5	al	al	PROPN
ajase-2106	168	6	janabi	janabi	NOUN
ajase-2106	168	7	,	,	PUNCT
ajase-2106	168	8	a.	a.	NOUN
ajase-2106	168	9	a.	a.	NOUN
ajase-2106	168	10	m.	m.	PROPN
ajase-2106	168	11	,	,	PUNCT
ajase-2106	168	12	&	&	CCONJ
ajase-2106	168	13	neamah	neamah	PROPN
ajase-2106	168	14	,	,	PUNCT
ajase-2106	168	15	r.	r.	PROPN
ajase-2106	168	16	(	(	PUNCT
ajase-2106	168	17	2023	2023	NUM
ajase-2106	168	18	)	)	PUNCT
ajase-2106	168	19	.	.	PUNCT
ajase-2106	169	1	the	the	DET
ajase-2106	169	2	impact	impact	NOUN
ajase-2106	169	3	of	of	ADP
ajase-2106	169	4	brand	brand	NOUN
ajase-2106	169	5	capital	capital	NOUN
ajase-2106	169	6	on	on	ADP
ajase-2106	169	7	the	the	DET
ajase-2106	169	8	stock	stock	NOUN
ajase-2106	169	9	price	price	NOUN
ajase-2106	169	10	crash	crash	NOUN
ajase-2106	169	11	risk	risk	NOUN
ajase-2106	169	12	,	,	PUNCT
ajase-2106	169	13	an	an	DET
ajase-2106	169	14	empirical	empirical	ADJ
ajase-2106	169	15	study	study	NOUN
ajase-2106	169	16	.	.	PUNCT
ajase-2106	170	1	american	american	PROPN
ajase-2106	170	2	journal	journal	PROPN
ajase-2106	170	3	of	of	ADP
ajase-2106	170	4	environmental	environmental	ADJ
ajase-2106	170	5	economics	economic	NOUN
ajase-2106	170	6	,	,	PUNCT
ajase-2106	170	7	2(1	2(1	NUM
ajase-2106	170	8	)	)	PUNCT
ajase-2106	170	9	,	,	PUNCT
ajase-2106	170	10	29	29	NUM
ajase-2106	170	11	-	-	SYM
ajase-2106	170	12	36	36	NUM
ajase-2106	170	13	.	.	PUNCT
ajase-2106	171	1	alwan	alwan	PROPN
ajase-2106	171	2	,	,	PUNCT
ajase-2106	171	3	g.	g.	PROPN
ajase-2106	171	4	h.	h.	PROPN
ajase-2106	171	5	,	,	PUNCT
ajase-2106	171	6	&	&	CCONJ
ajase-2106	171	7	kadhim	kadhim	PROPN
ajase-2106	171	8	,	,	PUNCT
ajase-2106	171	9	e.	e.	PROPN
ajase-2106	171	10	s.	s.	PROPN
ajase-2106	171	11	(	(	PUNCT
ajase-2106	171	12	2020	2020	NUM
ajase-2106	171	13	)	)	PUNCT
ajase-2106	171	14	.	.	PUNCT
ajase-2106	172	1	the	the	DET
ajase-2106	172	2	impact	impact	NOUN
ajase-2106	172	3	of	of	ADP
ajase-2106	172	4	public	public	ADJ
ajase-2106	172	5	debt	debt	NOUN
ajase-2106	172	6	on	on	ADP
ajase-2106	172	7	financial	financial	ADJ
ajase-2106	172	8	stability	stability	NOUN
ajase-2106	172	9	in	in	ADP
ajase-2106	172	10	iraq	iraq	PROPN
ajase-2106	172	11	.	.	PUNCT
ajase-2106	173	1	journal	journal	PROPN
ajase-2106	173	2	of	of	ADP
ajase-2106	173	3	economics	economic	NOUN
ajase-2106	173	4	and	and	CCONJ
ajase-2106	173	5	administrative	administrative	ADJ
ajase-2106	173	6	sciences	science	NOUN
ajase-2106	173	7	,	,	PUNCT
ajase-2106	173	8	26(121	26(121	NOUN
ajase-2106	173	9	)	)	PUNCT
ajase-2106	173	10	.	.	PUNCT
ajase-2106	174	1	barajas	barajas	PROPN
ajase-2106	174	2	,	,	PUNCT
ajase-2106	174	3	a.	a.	PROPN
ajase-2106	174	4	,	,	PUNCT
ajase-2106	174	5	beck	beck	PROPN
ajase-2106	174	6	,	,	PUNCT
ajase-2106	174	7	t.	t.	PROPN
ajase-2106	174	8	,	,	PUNCT
ajase-2106	174	9	belhaj	belhaj	PROPN
ajase-2106	174	10	,	,	PUNCT
ajase-2106	174	11	m.	m.	NOUN
ajase-2106	174	12	,	,	PUNCT
ajase-2106	174	13	&	&	CCONJ
ajase-2106	174	14	naceur	naceur	PROPN
ajase-2106	174	15	,	,	PUNCT
ajase-2106	174	16	s.	s.	PROPN
ajase-2106	174	17	b.	b.	PROPN
ajase-2106	174	18	(	(	PUNCT
ajase-2106	174	19	2020	2020	NUM
ajase-2106	174	20	)	)	PUNCT
ajase-2106	174	21	.	.	PUNCT
ajase-2106	175	1	financial	financial	ADJ
ajase-2106	175	2	inclusion	inclusion	NOUN
ajase-2106	175	3	:	:	PUNCT
ajase-2106	175	4	what	what	PRON
ajase-2106	175	5	have	have	AUX
ajase-2106	175	6	we	we	PRON
ajase-2106	175	7	learned	learn	VERB
ajase-2106	175	8	so	so	ADV
ajase-2106	175	9	far	far	ADV
ajase-2106	175	10	?	?	PUNCT
ajase-2106	176	1	what	what	PRON
ajase-2106	176	2	do	do	AUX
ajase-2106	176	3	we	we	PRON
ajase-2106	176	4	have	have	VERB
ajase-2106	176	5	to	to	PART
ajase-2106	176	6	learn	learn	VERB
ajase-2106	176	7	?	?	PUNCT
ajase-2106	177	1	imf	imf	PROPN
ajase-2106	177	2	working	working	PROPN
ajase-2106	177	3	papers	paper	NOUN
ajase-2106	177	4	,	,	PUNCT
ajase-2106	177	5	2020(157	2020(157	NUM
ajase-2106	177	6	)	)	PUNCT
ajase-2106	177	7	.	.	PUNCT
ajase-2106	178	1	bhattarai	bhattarai	PROPN
ajase-2106	178	2	,	,	PUNCT
ajase-2106	178	3	b.	b.	PROPN
ajase-2106	178	4	p.	p.	PROPN
ajase-2106	178	5	(	(	PUNCT
ajase-2106	178	6	2020	2020	NUM
ajase-2106	178	7	)	)	PUNCT
ajase-2106	178	8	.	.	PUNCT
ajase-2106	179	1	effects	effect	NOUN
ajase-2106	179	2	of	of	ADP
ajase-2106	179	3	non	non	ADJ
ajase-2106	179	4	-	-	ADJ
ajase-2106	179	5	performing	performing	ADJ
ajase-2106	179	6	loan	loan	NOUN
ajase-2106	179	7	on	on	ADP
ajase-2106	179	8	profitability	profitability	NOUN
ajase-2106	179	9	of	of	ADP
ajase-2106	179	10	commercial	commercial	ADJ
ajase-2106	179	11	banks	bank	NOUN
ajase-2106	179	12	in	in	ADP
ajase-2106	179	13	nepal	nepal	ADJ
ajase-2106	179	14	.	.	PUNCT
ajase-2106	180	1	blancher	blancher	PROPN
ajase-2106	180	2	,	,	PUNCT
ajase-2106	180	3	m.	m.	PROPN
ajase-2106	180	4	n.	n.	PROPN
ajase-2106	180	5	r.	r.	PROPN
ajase-2106	180	6	,	,	PUNCT
ajase-2106	180	7	appendino	appendino	ADJ
ajase-2106	180	8	,	,	PUNCT
ajase-2106	180	9	m.	m.	NOUN
ajase-2106	180	10	,	,	PUNCT
ajase-2106	180	11	bibolov	bibolov	PROPN
ajase-2106	180	12	,	,	PUNCT
ajase-2106	180	13	a.	a.	PROPN
ajase-2106	180	14	,	,	PUNCT
ajase-2106	180	15	fouejieu	fouejieu	NOUN
ajase-2106	180	16	,	,	PUNCT
ajase-2106	180	17	m.	m.	NOUN
ajase-2106	180	18	a.	a.	PROPN
ajase-2106	180	19	,	,	PUNCT
ajase-2106	180	20	li	li	PROPN
ajase-2106	180	21	,	,	PUNCT
ajase-2106	180	22	m.	m.	PROPN
ajase-2106	180	23	j.	j.	PROPN
ajase-2106	180	24	,	,	PUNCT
ajase-2106	180	25	ndoye	ndoye	PROPN
ajase-2106	180	26	,	,	PUNCT
ajase-2106	180	27	a.	a.	NOUN
ajase-2106	180	28	,	,	PUNCT
ajase-2106	180	29	panagiotakopoulou	panagiotakopoulou	PROPN
ajase-2106	180	30	,	,	PUNCT
ajase-2106	180	31	a.	a.	PROPN
ajase-2106	180	32	,	,	PUNCT
ajase-2106	180	33	shi	shi	PROPN
ajase-2106	180	34	,	,	PUNCT
ajase-2106	180	35	w.	w.	PROPN
ajase-2106	180	36	,	,	PUNCT
ajase-2106	180	37	&	&	CCONJ
ajase-2106	180	38	sydorenko	sydorenko	PROPN
ajase-2106	180	39	,	,	PUNCT
ajase-2106	180	40	t.	t.	PROPN
ajase-2106	180	41	(	(	PUNCT
ajase-2106	180	42	2019	2019	NUM
ajase-2106	180	43	)	)	PUNCT
ajase-2106	180	44	.	.	PUNCT
ajase-2106	181	1	financial	financial	ADJ
ajase-2106	181	2	inclusion	inclusion	NOUN
ajase-2106	181	3	of	of	ADP
ajase-2106	181	4	small	small	ADJ
ajase-2106	181	5	and	and	CCONJ
ajase-2106	181	6	medium	medium	ADJ
ajase-2106	181	7	-	-	PUNCT
ajase-2106	181	8	sized	sized	ADJ
ajase-2106	181	9	enterprises	enterprise	NOUN
ajase-2106	181	10	in	in	ADP
ajase-2106	181	11	the	the	DET
ajase-2106	181	12	middle	middle	PROPN
ajase-2106	181	13	east	east	PROPN
ajase-2106	181	14	and	and	CCONJ
ajase-2106	181	15	central	central	PROPN
ajase-2106	181	16	asia	asia	PROPN
ajase-2106	181	17	.	.	PUNCT
ajase-2106	182	1	international	international	ADJ
ajase-2106	182	2	monetary	monetary	ADJ
ajase-2106	182	3	fund	fund	PROPN
ajase-2106	182	4	.	.	PUNCT
ajase-2106	183	1	chouhan	chouhan	PROPN
ajase-2106	183	2	,	,	PUNCT
ajase-2106	183	3	v.	v.	PROPN
ajase-2106	183	4	,	,	PUNCT
ajase-2106	183	5	chandra	chandra	PROPN
ajase-2106	183	6	,	,	PUNCT
ajase-2106	183	7	b.	b.	PROPN
ajase-2106	183	8	,	,	PUNCT
ajase-2106	183	9	&	&	CCONJ
ajase-2106	183	10	goswami	goswami	PROPN
ajase-2106	183	11	,	,	PUNCT
ajase-2106	183	12	s.	s.	PROPN
ajase-2106	183	13	(	(	PUNCT
ajase-2106	183	14	2014	2014	NUM
ajase-2106	183	15	)	)	PUNCT
ajase-2106	183	16	.	.	PUNCT
ajase-2106	184	1	predicting	predict	VERB
ajase-2106	184	2	financial	financial	ADJ
ajase-2106	184	3	stability	stability	NOUN
ajase-2106	184	4	of	of	ADP
ajase-2106	184	5	select	select	ADJ
ajase-2106	184	6	bse	bse	NOUN
ajase-2106	184	7	companies	company	NOUN
ajase-2106	184	8	revisiting	revisit	VERB
ajase-2106	184	9	altman	altman	PROPN
ajase-2106	184	10	z	z	PROPN
ajase-2106	184	11	score	score	NOUN
ajase-2106	184	12	.	.	PUNCT
ajase-2106	185	1	international	international	ADJ
ajase-2106	185	2	letters	letter	NOUN
ajase-2106	185	3	of	of	ADP
ajase-2106	185	4	social	social	ADJ
ajase-2106	185	5	and	and	CCONJ
ajase-2106	185	6	humanistic	humanistic	ADJ
ajase-2106	185	7	sciences	science	NOUN
ajase-2106	185	8	,	,	PUNCT
ajase-2106	185	9	15(2	15(2	NUM
ajase-2106	185	10	)	)	PUNCT
ajase-2106	185	11	,	,	PUNCT
ajase-2106	185	12	92	92	NUM
ajase-2106	185	13	-	-	SYM
ajase-2106	185	14	105	105	NUM
ajase-2106	185	15	.	.	PUNCT
ajase-2106	185	16	eldomiaty	eldomiaty	PROPN
ajase-2106	185	17	,	,	PUNCT
ajase-2106	185	18	t.	t.	PROPN
ajase-2106	185	19	,	,	PUNCT
ajase-2106	185	20	hammam	hammam	PROPN
ajase-2106	185	21	,	,	PUNCT
ajase-2106	185	22	r.	r.	PROPN
ajase-2106	185	23	,	,	PUNCT
ajase-2106	185	24	&	&	CCONJ
ajase-2106	185	25	el	el	PROPN
ajase-2106	185	26	bakry	bakry	PROPN
ajase-2106	185	27	,	,	PUNCT
ajase-2106	185	28	r.	r.	PROPN
ajase-2106	185	29	(	(	PUNCT
ajase-2106	185	30	2020	2020	NUM
ajase-2106	185	31	)	)	PUNCT
ajase-2106	185	32	.	.	PUNCT
ajase-2106	186	1	institutional	institutional	ADJ
ajase-2106	186	2	determinants	determinant	NOUN
ajase-2106	186	3	of	of	ADP
ajase-2106	186	4	financial	financial	ADJ
ajase-2106	186	5	inclusion	inclusion	NOUN
ajase-2106	186	6	:	:	PUNCT
ajase-2106	186	7	evidence	evidence	NOUN
ajase-2106	186	8	from	from	ADP
ajase-2106	186	9	world	world	NOUN
ajase-2106	186	10	economies	economy	NOUN
ajase-2106	186	11	.	.	PUNCT
ajase-2106	187	1	international	international	ADJ
ajase-2106	187	2	journal	journal	PROPN
ajase-2106	187	3	of	of	ADP
ajase-2106	187	4	development	development	NOUN
ajase-2106	187	5	issues	issue	NOUN
ajase-2106	187	6	,	,	PUNCT
ajase-2106	187	7	19(2	19(2	NUM
ajase-2106	187	8	)	)	PUNCT
ajase-2106	187	9	,	,	PUNCT
ajase-2106	187	10	217	217	NUM
ajase-2106	187	11	-	-	SYM
ajase-2106	187	12	228	228	NUM
ajase-2106	187	13	.	.	PUNCT
ajase-2106	188	1	faruqinata	faruqinata	PROPN
ajase-2106	188	2	,	,	PUNCT
ajase-2106	188	3	a.	a.	PROPN
ajase-2106	188	4	,	,	PUNCT
ajase-2106	188	5	&	&	CCONJ
ajase-2106	188	6	wibowo	wibowo	PROPN
ajase-2106	188	7	,	,	PUNCT
ajase-2106	188	8	w.	w.	PROPN
ajase-2106	188	9	(	(	PUNCT
ajase-2106	188	10	2020	2020	NUM
ajase-2106	188	11	)	)	PUNCT
ajase-2106	188	12	.	.	PUNCT
ajase-2106	189	1	the	the	DET
ajase-2106	189	2	effect	effect	NOUN
ajase-2106	189	3	of	of	ADP
ajase-2106	189	4	banking	banking	NOUN
ajase-2106	189	5	credit	credit	NOUN
ajase-2106	189	6	growth	growth	NOUN
ajase-2106	189	7	and	and	CCONJ
ajase-2106	189	8	purchase	purchase	NOUN
ajase-2106	189	9	of	of	ADP
ajase-2106	189	10	securities	security	NOUN
ajase-2106	189	11	growth	growth	NOUN
ajase-2106	189	12	on	on	ADP
ajase-2106	189	13	banking	bank	VERB
ajase-2106	189	14	stability	stability	NOUN
ajase-2106	189	15	in	in	ADP
ajase-2106	189	16	indonesia	indonesia	PROPN
ajase-2106	189	17	.	.	PUNCT
ajase-2106	190	1	international	international	ADJ
ajase-2106	190	2	journal	journal	PROPN
ajase-2106	190	3	of	of	ADP
ajase-2106	190	4	innovation	innovation	NOUN
ajase-2106	190	5	,	,	PUNCT
ajase-2106	190	6	creativity	creativity	NOUN
ajase-2106	190	7	and	and	CCONJ
ajase-2106	190	8	change	change	NOUN
ajase-2106	190	9	,	,	PUNCT
ajase-2106	190	10	13(8	13(8	NUM
ajase-2106	190	11	)	)	PUNCT
ajase-2106	190	12	,	,	PUNCT
ajase-2106	190	13	13711395	13711395	NUM
ajase-2106	190	14	.	.	PUNCT
ajase-2106	191	1	gabor	gabor	PROPN
ajase-2106	191	2	,	,	PUNCT
ajase-2106	191	3	d.	d.	PROPN
ajase-2106	191	4	,	,	PUNCT
ajase-2106	191	5	&	&	CCONJ
ajase-2106	191	6	brooks	brooks	PROPN
ajase-2106	191	7	,	,	PUNCT
ajase-2106	191	8	s.	s.	PROPN
ajase-2106	191	9	(	(	PUNCT
ajase-2106	191	10	2017	2017	NUM
ajase-2106	191	11	)	)	PUNCT
ajase-2106	191	12	.	.	PUNCT
ajase-2106	192	1	the	the	DET
ajase-2106	192	2	digital	digital	PROPN
ajase-2106	192	3	revolution	revolution	NOUN
ajase-2106	192	4	in	in	ADP
ajase-2106	192	5	financial	financial	ADJ
ajase-2106	192	6	inclusion	inclusion	NOUN
ajase-2106	192	7	:	:	PUNCT
ajase-2106	192	8	international	international	ADJ
ajase-2106	192	9	development	development	NOUN
ajase-2106	192	10	in	in	ADP
ajase-2106	192	11	the	the	DET
ajase-2106	192	12	fintech	fintech	NOUN
ajase-2106	192	13	era	era	NOUN
ajase-2106	192	14	.	.	PUNCT
ajase-2106	193	1	new	new	ADJ
ajase-2106	193	2	political	political	ADJ
ajase-2106	193	3	economy	economy	NOUN
ajase-2106	193	4	,	,	PUNCT
ajase-2106	193	5	22(4	22(4	NUM
ajase-2106	193	6	)	)	PUNCT
ajase-2106	193	7	,	,	PUNCT
ajase-2106	193	8	423	423	NUM
ajase-2106	193	9	-	-	SYM
ajase-2106	193	10	436	436	NUM
ajase-2106	193	11	.	.	PUNCT
ajase-2106	194	1	ginevičius	ginevičius	PROPN
ajase-2106	194	2	,	,	PUNCT
ajase-2106	194	3	r.	r.	PROPN
ajase-2106	194	4	,	,	PUNCT
ajase-2106	194	5	&	&	CCONJ
ajase-2106	194	6	podviezko	podviezko	PROPN
ajase-2106	194	7	,	,	PUNCT
ajase-2106	194	8	a.	a.	NOUN
ajase-2106	194	9	(	(	PUNCT
ajase-2106	194	10	2013	2013	NUM
ajase-2106	194	11	)	)	PUNCT
ajase-2106	194	12	.	.	PUNCT
ajase-2106	195	1	the	the	DET
ajase-2106	195	2	evaluation	evaluation	NOUN
ajase-2106	195	3	of	of	ADP
ajase-2106	195	4	financial	financial	ADJ
ajase-2106	195	5	stability	stability	NOUN
ajase-2106	195	6	and	and	CCONJ
ajase-2106	195	7	soundness	soundness	NOUN
ajase-2106	195	8	of	of	ADP
ajase-2106	195	9	lithuanian	lithuanian	ADJ
ajase-2106	195	10	banks	bank	NOUN
ajase-2106	195	11	.	.	PUNCT
ajase-2106	196	1	economic	economic	ADJ
ajase-2106	196	2	research	research	NOUN
ajase-2106	196	3	-	-	PUNCT
ajase-2106	196	4	ekonomska	ekonomska	ADJ
ajase-2106	196	5	istraživanja	istraživanja	NOUN
ajase-2106	196	6	,	,	PUNCT
ajase-2106	196	7	26(2	26(2	NUM
ajase-2106	196	8	)	)	PUNCT
ajase-2106	196	9	,	,	PUNCT
ajase-2106	196	10	191	191	NUM
ajase-2106	196	11	-	-	SYM
ajase-2106	196	12	208	208	NUM
ajase-2106	196	13	.	.	PUNCT
ajase-2106	196	14	guérineau	guérineau	NOUN
ajase-2106	196	15	,	,	PUNCT
ajase-2106	196	16	s.	s.	PROPN
ajase-2106	196	17	,	,	PUNCT
ajase-2106	196	18	&	&	CCONJ
ajase-2106	196	19	jacolin	jacolin	PROPN
ajase-2106	196	20	,	,	PUNCT
ajase-2106	196	21	l.	l.	PROPN
ajase-2106	196	22	(	(	PUNCT
ajase-2106	196	23	2014	2014	NUM
ajase-2106	196	24	)	)	PUNCT
ajase-2106	196	25	.	.	PUNCT
ajase-2106	197	1	l’inclusion	l’inclusion	PROPN
ajase-2106	197	2	financière	financière	PROPN
ajase-2106	197	3	en	en	PROPN
ajase-2106	197	4	afrique	afrique	PROPN
ajase-2106	197	5	subsaharienne	subsaharienne	PROPN
ajase-2106	197	6	:	:	PUNCT
ajase-2106	197	7	faits	fait	NOUN
ajase-2106	197	8	stylisés	stylisé	VERB
ajase-2106	197	9	et	et	NOUN
ajase-2106	197	10	déterminants	déterminant	NOUN
ajase-2106	197	11	.	.	PUNCT
ajase-2106	198	1	revue	revue	PROPN
ajase-2106	198	2	d’économie	d’économie	PROPN
ajase-2106	198	3	financière(4	financière(4	PROPN
ajase-2106	198	4	)	)	PUNCT
ajase-2106	198	5	,	,	PUNCT
ajase-2106	198	6	57	57	NUM
ajase-2106	198	7	-	-	SYM
ajase-2106	198	8	80	80	NUM
ajase-2106	198	9	.	.	PUNCT
ajase-2106	199	1	helms	helm	NOUN
ajase-2106	199	2	,	,	PUNCT
ajase-2106	199	3	b.	b.	PROPN
ajase-2106	199	4	(	(	PUNCT
ajase-2106	199	5	2006	2006	NUM
ajase-2106	199	6	)	)	PUNCT
ajase-2106	199	7	.	.	PUNCT
ajase-2106	200	1	access	access	NOUN
ajase-2106	200	2	for	for	ADP
ajase-2106	200	3	all	all	PRON
ajase-2106	200	4	:	:	PUNCT
ajase-2106	200	5	building	build	VERB
ajase-2106	200	6	inclusive	inclusive	ADJ
ajase-2106	200	7	financial	financial	ADJ
ajase-2106	200	8	systems	system	NOUN
ajase-2106	200	9	.	.	PUNCT
ajase-2106	201	1	world	world	PROPN
ajase-2106	201	2	bank	bank	PROPN
ajase-2106	201	3	publications	publication	NOUN
ajase-2106	201	4	.	.	PUNCT
ajase-2106	202	1	ishioro	ishioro	PROPN
ajase-2106	202	2	,	,	PUNCT
ajase-2106	202	3	b.	b.	PROPN
ajase-2106	202	4	o.	o.	PROPN
ajase-2106	202	5	(	(	PUNCT
ajase-2106	202	6	2022	2022	NUM
ajase-2106	202	7	)	)	PUNCT
ajase-2106	202	8	.	.	PUNCT
ajase-2106	203	1	deposit	deposit	NOUN
ajase-2106	203	2	money	money	NOUN
ajase-2106	203	3	banks	bank	NOUN
ajase-2106	203	4	-	-	PUNCT
ajase-2106	203	5	basedfinancial	basedfinancial	ADJ
ajase-2106	203	6	inclusion	inclusion	NOUN
ajase-2106	203	7	and	and	CCONJ
ajase-2106	203	8	economic	economic	ADJ
ajase-2106	203	9	growth	growth	NOUN
ajase-2106	203	10	in	in	ADP
ajase-2106	203	11	nigeria	nigeria	PROPN
ajase-2106	203	12	:	:	PUNCT
ajase-2106	203	13	the	the	DET
ajase-2106	203	14	role	role	NOUN
ajase-2106	203	15	of	of	ADP
ajase-2106	203	16	a	a	DET
ajase-2106	203	17	dual	dual	ADJ
ajase-2106	203	18	folded	fold	VERB
ajase-2106	203	19	proxy	proxy	NOUN
ajase-2106	203	20	.	.	PUNCT
ajase-2106	204	1	gusau	gusau	PROPN
ajase-2106	204	2	international	international	PROPN
ajase-2106	204	3	journal	journal	PROPN
ajase-2106	204	4	of	of	ADP
ajase-2106	204	5	management	management	NOUN
ajase-2106	204	6	and	and	CCONJ
ajase-2106	204	7	social	social	ADJ
ajase-2106	204	8	sciences	science	NOUN
ajase-2106	204	9	,	,	PUNCT
ajase-2106	204	10	5(3	5(3	NUM
ajase-2106	204	11	)	)	PUNCT
ajase-2106	204	12	,	,	PUNCT
ajase-2106	204	13	23	23	NUM
ajase-2106	204	14	-	-	SYM
ajase-2106	204	15	23	23	NUM
ajase-2106	204	16	.	.	PUNCT
ajase-2106	205	1	j.	j.	PROPN
ajase-2106	205	2	powell	powell	PROPN
ajase-2106	205	3	,	,	PUNCT
ajase-2106	205	4	r.	r.	PROPN
ajase-2106	205	5	,	,	PUNCT
ajase-2106	205	6	&	&	CCONJ
ajase-2106	205	7	h.	h.	PROPN
ajase-2106	205	8	vo	vo	PROPN
ajase-2106	205	9	,	,	PUNCT
ajase-2106	205	10	d.	d.	PROPN
ajase-2106	205	11	(	(	PUNCT
ajase-2106	205	12	2020	2020	NUM
ajase-2106	205	13	)	)	PUNCT
ajase-2106	205	14	.	.	PUNCT
ajase-2106	206	1	a	a	DET
ajase-2106	206	2	comprehensive	comprehensive	ADJ
ajase-2106	206	3	stability	stability	NOUN
ajase-2106	206	4	indicator	indicator	NOUN
ajase-2106	206	5	for	for	ADP
ajase-2106	206	6	banks	bank	NOUN
ajase-2106	206	7	.	.	PUNCT
ajase-2106	207	1	risks	risk	NOUN
ajase-2106	207	2	,	,	PUNCT
ajase-2106	207	3	8(1	8(1	NOUN
ajase-2106	207	4	)	)	PUNCT
ajase-2106	207	5	,	,	PUNCT
ajase-2106	207	6	13	13	NUM
ajase-2106	207	7	.	.	PUNCT
ajase-2106	208	1	kane	kane	PROPN
ajase-2106	208	2	,	,	PUNCT
ajase-2106	208	3	e.	e.	PROPN
ajase-2106	208	4	j.	j.	PROPN
ajase-2106	208	5	(	(	PUNCT
ajase-2106	208	6	2016	2016	NUM
ajase-2106	208	7	)	)	PUNCT
ajase-2106	208	8	.	.	PUNCT
ajase-2106	209	1	a	a	DET
ajase-2106	209	2	theory	theory	NOUN
ajase-2106	209	3	of	of	ADP
ajase-2106	209	4	how	how	SCONJ
ajase-2106	209	5	and	and	CCONJ
ajase-2106	209	6	why	why	SCONJ
ajase-2106	209	7	central	central	ADJ
ajase-2106	209	8	-	-	PUNCT
ajase-2106	209	9	bank	bank	NOUN
ajase-2106	209	10	culture	culture	NOUN
ajase-2106	209	11	supports	support	VERB
ajase-2106	209	12	predatory	predatory	ADJ
ajase-2106	209	13	risk	risk	NOUN
ajase-2106	209	14	-	-	PUNCT
ajase-2106	209	15	taking	taking	NOUN
ajase-2106	209	16	at	at	ADP
ajase-2106	209	17	megabanks	megabank	NOUN
ajase-2106	209	18	.	.	PUNCT
ajase-2106	210	1	atlantic	atlantic	ADJ
ajase-2106	210	2	economic	economic	ADJ
ajase-2106	210	3	journal	journal	NOUN
ajase-2106	210	4	,	,	PUNCT
ajase-2106	210	5	44	44	NUM
ajase-2106	210	6	,	,	PUNCT
ajase-2106	210	7	51	51	NUM
ajase-2106	210	8	-	-	SYM
ajase-2106	210	9	71	71	NUM
ajase-2106	210	10	.	.	PUNCT
ajase-2106	211	1	kumar	kumar	PROPN
ajase-2106	211	2	,	,	PUNCT
ajase-2106	211	3	k.	k.	PROPN
ajase-2106	211	4	v.	v.	PROPN
ajase-2106	211	5	(	(	PUNCT
ajase-2106	211	6	2011	2011	NUM
ajase-2106	211	7	)	)	PUNCT
ajase-2106	211	8	.	.	PUNCT
ajase-2106	212	1	innovations	innovation	NOUN
ajase-2106	212	2	in	in	ADP
ajase-2106	212	3	modern	modern	ADJ
ajase-2106	212	4	banking	banking	NOUN
ajase-2106	212	5	and	and	CCONJ
ajase-2106	212	6	innovative	innovative	ADJ
ajase-2106	212	7	financial	financial	ADJ
ajase-2106	212	8	inclusion	inclusion	NOUN
ajase-2106	212	9	–	–	PUNCT
ajase-2106	212	10	issues	issue	NOUN
ajase-2106	212	11	and	and	CCONJ
ajase-2106	212	12	challenges	challenge	NOUN
ajase-2106	212	13	.	.	PUNCT
ajase-2106	213	1	clear	clear	ADJ
ajase-2106	213	2	ijrcm	ijrcm	PROPN
ajase-2106	213	3	,	,	PUNCT
ajase-2106	213	4	1(2	1(2	NUM
ajase-2106	213	5	)	)	PUNCT
ajase-2106	213	6	,	,	PUNCT
ajase-2106	213	7	147	147	NUM
ajase-2106	213	8	-	-	SYM
ajase-2106	213	9	196	196	NUM
ajase-2106	213	10	.	.	PUNCT
ajase-2106	214	1	lenka	lenka	PROPN
ajase-2106	214	2	,	,	PUNCT
ajase-2106	214	3	s.	s.	PROPN
ajase-2106	214	4	k.	k.	PROPN
ajase-2106	214	5	,	,	PUNCT
ajase-2106	214	6	&	&	CCONJ
ajase-2106	214	7	sharma	sharma	PROPN
ajase-2106	214	8	,	,	PUNCT
ajase-2106	214	9	r.	r.	PROPN
ajase-2106	214	10	(	(	PUNCT
ajase-2106	214	11	2017	2017	NUM
ajase-2106	214	12	)	)	PUNCT
ajase-2106	214	13	.	.	PUNCT
ajase-2106	215	1	does	do	AUX
ajase-2106	215	2	financial	financial	ADJ
ajase-2106	215	3	inclusion	inclusion	NOUN
ajase-2106	215	4	spur	spur	VERB
ajase-2106	215	5	economic	economic	ADJ
ajase-2106	215	6	growth	growth	NOUN
ajase-2106	215	7	in	in	ADP
ajase-2106	215	8	india	india	PROPN
ajase-2106	215	9	?	?	PUNCT
ajase-2106	216	1	the	the	DET
ajase-2106	216	2	journal	journal	NOUN
ajase-2106	216	3	of	of	ADP
ajase-2106	216	4	developing	develop	VERB
ajase-2106	216	5	areas	area	NOUN
ajase-2106	216	6	,	,	PUNCT
ajase-2106	216	7	51(3	51(3	NUM
ajase-2106	216	8	)	)	PUNCT
ajase-2106	216	9	,	,	PUNCT
ajase-2106	216	10	215	215	NUM
ajase-2106	216	11	-	-	SYM
ajase-2106	216	12	228	228	NUM
ajase-2106	216	13	.	.	PUNCT
ajase-2106	217	1	lepetit	lepetit	PROPN
ajase-2106	217	2	,	,	PUNCT
ajase-2106	217	3	l.	l.	PROPN
ajase-2106	217	4	,	,	PUNCT
ajase-2106	217	5	&	&	CCONJ
ajase-2106	217	6	strobel	strobel	PROPN
ajase-2106	217	7	,	,	PUNCT
ajase-2106	217	8	f.	f.	PROPN
ajase-2106	217	9	(	(	PUNCT
ajase-2106	217	10	2015	2015	NUM
ajase-2106	217	11	)	)	PUNCT
ajase-2106	217	12	.	.	PUNCT
ajase-2106	218	1	bank	bank	NOUN
ajase-2106	218	2	insolvency	insolvency	NOUN
ajase-2106	218	3	risk	risk	NOUN
ajase-2106	218	4	and	and	CCONJ
ajase-2106	218	5	z	z	NOUN
ajase-2106	218	6	-	-	PUNCT
ajase-2106	218	7	score	score	NOUN
ajase-2106	218	8	measures	measure	NOUN
ajase-2106	218	9	:	:	PUNCT
ajase-2106	218	10	a	a	DET
ajase-2106	218	11	refinement	refinement	NOUN
ajase-2106	218	12	.	.	PUNCT
ajase-2106	219	1	finance	finance	NOUN
ajase-2106	219	2	research	research	NOUN
ajase-2106	219	3	letters	letter	NOUN
ajase-2106	219	4	,	,	PUNCT
ajase-2106	219	5	13	13	NUM
ajase-2106	219	6	,	,	PUNCT
ajase-2106	219	7	214	214	NUM
ajase-2106	219	8	-	-	SYM
ajase-2106	219	9	224	224	NUM
ajase-2106	219	10	.	.	PUNCT
ajase-2106	220	1	li	li	PROPN
ajase-2106	220	2	,	,	PUNCT
ajase-2106	220	3	x.	x.	NOUN
ajase-2106	220	4	,	,	PUNCT
ajase-2106	220	5	tripe	tripe	NOUN
ajase-2106	220	6	,	,	PUNCT
ajase-2106	220	7	d.	d.	PROPN
ajase-2106	220	8	w.	w.	PROPN
ajase-2106	220	9	,	,	PUNCT
ajase-2106	220	10	&	&	CCONJ
ajase-2106	220	11	malone	malone	PROPN
ajase-2106	220	12	,	,	PUNCT
ajase-2106	220	13	c.	c.	PROPN
ajase-2106	220	14	b.	b.	PROPN
ajase-2106	220	15	(	(	PUNCT
ajase-2106	220	16	2017	2017	NUM
ajase-2106	220	17	)	)	PUNCT
ajase-2106	220	18	.	.	PUNCT
ajase-2106	221	1	measuring	measure	VERB
ajase-2106	221	2	bank	bank	NOUN
ajase-2106	221	3	risk	risk	NOUN
ajase-2106	221	4	:	:	PUNCT
ajase-2106	221	5	an	an	DET
ajase-2106	221	6	exploration	exploration	NOUN
ajase-2106	221	7	of	of	ADP
ajase-2106	221	8	z	z	NOUN
ajase-2106	221	9	-	-	PUNCT
ajase-2106	221	10	score	score	NOUN
ajase-2106	221	11	.	.	PUNCT
ajase-2106	222	1	available	available	ADJ
ajase-2106	222	2	at	at	ADP
ajase-2106	222	3	ssrn	ssrn	NOUN
ajase-2106	222	4	2823946	2823946	NUM
ajase-2106	222	5	.	.	PUNCT
ajase-2106	223	1	pa	pa	PROPN
ajase-2106	223	2	ge	ge	PROPN
ajase-2106	223	3	53	53	NUM
ajase-2106	223	4	https://journals.e-palli.com/home/index.php/ajase	https://journals.e-palli.com/home/index.php/ajase	PROPN
ajase-2106	223	5	am	be	AUX
ajase-2106	223	6	.	.	PUNCT
ajase-2106	224	1	j.	j.	PROPN
ajase-2106	224	2	appl	appl	PROPN
ajase-2106	224	3	.	.	PROPN
ajase-2106	225	1	stat	stat	PROPN
ajase-2106	225	2	.	.	PUNCT
ajase-2106	226	1	econ	econ	PROPN
ajase-2106	226	2	.	.	PUNCT
ajase-2106	227	1	2(1	2(1	NUM
ajase-2106	227	2	)	)	PUNCT
ajase-2106	227	3	48	48	NUM
ajase-2106	227	4	-	-	SYM
ajase-2106	227	5	53	53	NUM
ajase-2106	227	6	,	,	PUNCT
ajase-2106	227	7	2023	2023	NUM
ajase-2106	227	8	lozi	lozi	NOUN
ajase-2106	227	9	,	,	PUNCT
ajase-2106	227	10	n.	n.	NOUN
ajase-2106	227	11	(	(	PUNCT
ajase-2106	227	12	2021	2021	NUM
ajase-2106	227	13	)	)	PUNCT
ajase-2106	227	14	.	.	PUNCT
ajase-2106	228	1	the	the	DET
ajase-2106	228	2	reality	reality	NOUN
ajase-2106	228	3	of	of	ADP
ajase-2106	228	4	financial	financial	ADJ
ajase-2106	228	5	inclusion	inclusion	NOUN
ajase-2106	228	6	in	in	ADP
ajase-2106	228	7	arab	arab	ADJ
ajase-2106	228	8	countries	country	NOUN
ajase-2106	228	9	and	and	CCONJ
ajase-2106	228	10	mechanisms	mechanism	NOUN
ajase-2106	228	11	for	for	ADP
ajase-2106	228	12	promoting	promote	VERB
ajase-2106	228	13	it	it	PRON
ajase-2106	228	14	a	a	DET
ajase-2106	228	15	comparative	comparative	ADJ
ajase-2106	228	16	study	study	NOUN
ajase-2106	228	17	of	of	ADP
ajase-2106	228	18	the	the	DET
ajase-2106	228	19	level	level	NOUN
ajase-2106	228	20	of	of	ADP
ajase-2106	228	21	financial	financial	ADJ
ajase-2106	228	22	inclusion	inclusion	NOUN
ajase-2106	228	23	in	in	ADP
ajase-2106	228	24	a	a	DET
ajase-2106	228	25	group	group	NOUN
ajase-2106	228	26	of	of	ADP
ajase-2106	228	27	arab	arab	ADJ
ajase-2106	228	28	countries	country	NOUN
ajase-2106	228	29	.	.	PUNCT
ajase-2106	229	1	journal	journal	PROPN
ajase-2106	229	2	of	of	ADP
ajase-2106	229	3	economics	economic	NOUN
ajase-2106	229	4	and	and	CCONJ
ajase-2106	229	5	management	management	NOUN
ajase-2106	229	6	research	research	NOUN
ajase-2106	229	7	,	,	PUNCT
ajase-2106	229	8	2(2	2(2	NUM
ajase-2106	229	9	)	)	PUNCT
ajase-2106	229	10	.	.	PUNCT
ajase-2106	230	1	maher	maher	PROPN
ajase-2106	230	2	,	,	PUNCT
ajase-2106	230	3	s.	s.	PROPN
ajase-2106	230	4	(	(	PUNCT
ajase-2106	230	5	2022	2022	NUM
ajase-2106	230	6	)	)	PUNCT
ajase-2106	230	7	.	.	PUNCT
ajase-2106	231	1	financial	financial	ADJ
ajase-2106	231	2	inclusion	inclusion	NOUN
ajase-2106	231	3	and	and	CCONJ
ajase-2106	231	4	monetary	monetary	ADJ
ajase-2106	231	5	policy	policy	NOUN
ajase-2106	231	6	-	-	PUNCT
ajase-2106	231	7	investigating	investigate	VERB
ajase-2106	231	8	the	the	DET
ajase-2106	231	9	relationship	relationship	NOUN
ajase-2106	231	10	between	between	ADP
ajase-2106	231	11	financial	financial	ADJ
ajase-2106	231	12	inclusion	inclusion	NOUN
ajase-2106	231	13	and	and	CCONJ
ajase-2106	231	14	monetary	monetary	ADJ
ajase-2106	231	15	policy	policy	NOUN
ajase-2106	231	16	:	:	PUNCT
ajase-2106	231	17	the	the	DET
ajase-2106	231	18	case	case	NOUN
ajase-2106	231	19	of	of	ADP
ajase-2106	231	20	egypt	egypt	PROPN
ajase-2106	231	21	.	.	PUNCT
ajase-2106	232	1	martínez	martínez	PROPN
ajase-2106	232	2	-	-	PUNCT
ajase-2106	232	3	malvar	malvar	NOUN
ajase-2106	232	4	,	,	PUNCT
ajase-2106	232	5	m.	m.	NOUN
ajase-2106	232	6	,	,	PUNCT
ajase-2106	232	7	&	&	CCONJ
ajase-2106	232	8	baselga	baselga	ADV
ajase-2106	232	9	-	-	PUNCT
ajase-2106	232	10	pascual	pascual	NOUN
ajase-2106	232	11	,	,	PUNCT
ajase-2106	232	12	l.	l.	PROPN
ajase-2106	232	13	(	(	PUNCT
ajase-2106	232	14	2020	2020	NUM
ajase-2106	232	15	)	)	PUNCT
ajase-2106	232	16	.	.	PUNCT
ajase-2106	233	1	bank	bank	NOUN
ajase-2106	233	2	risk	risk	NOUN
ajase-2106	233	3	determinants	determinant	NOUN
ajase-2106	233	4	in	in	ADP
ajase-2106	233	5	latin	latin	PROPN
ajase-2106	233	6	america	america	PROPN
ajase-2106	233	7	.	.	PUNCT
ajase-2106	234	1	risks	risk	NOUN
ajase-2106	234	2	,	,	PUNCT
ajase-2106	234	3	8(3	8(3	NUM
ajase-2106	234	4	)	)	PUNCT
ajase-2106	234	5	,	,	PUNCT
ajase-2106	234	6	94	94	NUM
ajase-2106	234	7	.	.	PUNCT
ajase-2106	234	8	mugo	mugo	PROPN
ajase-2106	234	9	,	,	PUNCT
ajase-2106	234	10	c.	c.	PROPN
ajase-2106	234	11	(	(	PUNCT
ajase-2106	234	12	2021	2021	NUM
ajase-2106	234	13	)	)	PUNCT
ajase-2106	234	14	.	.	PUNCT
ajase-2106	235	1	banking	banking	NOUN
ajase-2106	235	2	sector	sector	NOUN
ajase-2106	235	3	consolidation	consolidation	NOUN
ajase-2106	235	4	and	and	CCONJ
ajase-2106	235	5	stability	stability	NOUN
ajase-2106	235	6	in	in	ADP
ajase-2106	235	7	kenya	kenya	PROPN
ajase-2106	235	8	.	.	PUNCT
ajase-2106	236	1	journal	journal	PROPN
ajase-2106	236	2	of	of	ADP
ajase-2106	236	3	applied	apply	VERB
ajase-2106	236	4	finance	finance	NOUN
ajase-2106	236	5	and	and	CCONJ
ajase-2106	236	6	banking	banking	NOUN
ajase-2106	236	7	,	,	PUNCT
ajase-2106	236	8	11(3	11(3	NUM
ajase-2106	236	9	)	)	PUNCT
ajase-2106	236	10	,	,	PUNCT
ajase-2106	236	11	129	129	NUM
ajase-2106	236	12	-	-	SYM
ajase-2106	236	13	159	159	NUM
ajase-2106	236	14	.	.	PUNCT
ajase-2106	237	1	mutarindwa	mutarindwa	PROPN
ajase-2106	237	2	,	,	PUNCT
ajase-2106	237	3	s.	s.	PROPN
ajase-2106	237	4	,	,	PUNCT
ajase-2106	237	5	schäfer	schäfer	NOUN
ajase-2106	237	6	,	,	PUNCT
ajase-2106	237	7	d.	d.	PROPN
ajase-2106	237	8	,	,	PUNCT
ajase-2106	237	9	&	&	CCONJ
ajase-2106	237	10	stephan	stephan	PROPN
ajase-2106	237	11	,	,	PUNCT
ajase-2106	237	12	a.	a.	PROPN
ajase-2106	237	13	(	(	PUNCT
ajase-2106	237	14	2020	2020	NUM
ajase-2106	237	15	)	)	PUNCT
ajase-2106	237	16	.	.	PUNCT
ajase-2106	238	1	central	central	ADJ
ajase-2106	238	2	banks	bank	NOUN
ajase-2106	238	3	’	’	PART
ajase-2106	238	4	supervisory	supervisory	ADJ
ajase-2106	238	5	guidance	guidance	NOUN
ajase-2106	238	6	on	on	ADP
ajase-2106	238	7	corporate	corporate	ADJ
ajase-2106	238	8	governance	governance	NOUN
ajase-2106	238	9	and	and	CCONJ
ajase-2106	238	10	bank	bank	NOUN
ajase-2106	238	11	stability	stability	NOUN
ajase-2106	238	12	:	:	PUNCT
ajase-2106	238	13	evidence	evidence	NOUN
ajase-2106	238	14	from	from	ADP
ajase-2106	238	15	african	african	ADJ
ajase-2106	238	16	countries	country	NOUN
ajase-2106	238	17	.	.	PUNCT
ajase-2106	239	1	emerging	emerge	VERB
ajase-2106	239	2	markets	market	NOUN
ajase-2106	239	3	review	review	NOUN
ajase-2106	239	4	,	,	PUNCT
ajase-2106	239	5	43	43	NUM
ajase-2106	239	6	,	,	PUNCT
ajase-2106	239	7	100694	100694	NUM
ajase-2106	239	8	.	.	PUNCT
ajase-2106	240	1	my	my	PRON
ajase-2106	240	2	,	,	PUNCT
ajase-2106	240	3	s.	s.	PROPN
ajase-2106	240	4	t.	t.	PROPN
ajase-2106	240	5	(	(	PUNCT
ajase-2106	240	6	2020	2020	NUM
ajase-2106	240	7	)	)	PUNCT
ajase-2106	240	8	.	.	PUNCT
ajase-2106	241	1	credit	credit	NOUN
ajase-2106	241	2	risk	risk	NOUN
ajase-2106	241	3	and	and	CCONJ
ajase-2106	241	4	bank	bank	NOUN
ajase-2106	241	5	stability	stability	NOUN
ajase-2106	241	6	of	of	ADP
ajase-2106	241	7	vietnam	vietnam	PROPN
ajase-2106	241	8	commercial	commercial	PROPN
ajase-2106	241	9	bank	bank	NOUN
ajase-2106	241	10	:	:	PUNCT
ajase-2106	241	11	a	a	DET
ajase-2106	241	12	bk	bk	NOUN
ajase-2106	241	13	approach	approach	NOUN
ajase-2106	241	14	.	.	PUNCT
ajase-2106	242	1	international	international	ADJ
ajase-2106	242	2	journal	journal	NOUN
ajase-2106	242	3	of	of	ADP
ajase-2106	242	4	analysis	analysis	NOUN
ajase-2106	242	5	and	and	CCONJ
ajase-2106	242	6	applications	application	NOUN
ajase-2106	242	7	,	,	PUNCT
ajase-2106	242	8	18(6	18(6	NOUN
ajase-2106	242	9	)	)	PUNCT
ajase-2106	242	10	,	,	PUNCT
ajase-2106	242	11	1066	1066	NUM
ajase-2106	242	12	-	-	SYM
ajase-2106	242	13	1082	1082	NUM
ajase-2106	242	14	.	.	PUNCT
ajase-2106	243	1	oyetade	oyetade	PROPN
ajase-2106	243	2	,	,	PUNCT
ajase-2106	243	3	d.	d.	PROPN
ajase-2106	243	4	,	,	PUNCT
ajase-2106	243	5	obalade	obalade	ADJ
ajase-2106	243	6	,	,	PUNCT
ajase-2106	243	7	a.	a.	NOUN
ajase-2106	243	8	a.	a.	PROPN
ajase-2106	243	9	,	,	PUNCT
ajase-2106	243	10	&	&	CCONJ
ajase-2106	243	11	muzindutsi	muzindutsi	PROPN
ajase-2106	243	12	,	,	PUNCT
ajase-2106	243	13	p.-f	p.-f	NOUN
ajase-2106	243	14	.	.	PUNCT
ajase-2106	244	1	(	(	PUNCT
ajase-2106	244	2	2022	2022	NUM
ajase-2106	244	3	)	)	PUNCT
ajase-2106	244	4	.	.	PUNCT
ajase-2106	245	1	the	the	DET
ajase-2106	245	2	impact	impact	NOUN
ajase-2106	245	3	of	of	ADP
ajase-2106	245	4	changes	change	NOUN
ajase-2106	245	5	in	in	ADP
ajase-2106	245	6	basel	basel	PROPN
ajase-2106	245	7	capital	capital	NOUN
ajase-2106	245	8	requirements	requirement	NOUN
ajase-2106	245	9	on	on	ADP
ajase-2106	245	10	the	the	DET
ajase-2106	245	11	resilience	resilience	NOUN
ajase-2106	245	12	of	of	ADP
ajase-2106	245	13	african	african	ADJ
ajase-2106	245	14	commercial	commercial	ADJ
ajase-2106	245	15	banks	bank	NOUN
ajase-2106	245	16	.	.	PUNCT
ajase-2106	246	1	scientific	scientific	ADJ
ajase-2106	246	2	annals	annal	NOUN
ajase-2106	246	3	of	of	ADP
ajase-2106	246	4	economics	economic	NOUN
ajase-2106	246	5	and	and	CCONJ
ajase-2106	246	6	business	business	NOUN
ajase-2106	246	7	,	,	PUNCT
ajase-2106	246	8	69(1	69(1	NUM
ajase-2106	246	9	)	)	PUNCT
ajase-2106	246	10	,	,	PUNCT
ajase-2106	246	11	111132	111132	NUM
ajase-2106	246	12	.	.	PUNCT
ajase-2106	247	1	shubbar	shubbar	PROPN
ajase-2106	247	2	,	,	PUNCT
ajase-2106	247	3	h.	h.	PROPN
ajase-2106	247	4	h.	h.	PROPN
ajase-2106	247	5	,	,	PUNCT
ajase-2106	247	6	&	&	CCONJ
ajase-2106	247	7	vladimirovich	vladimirovich	PROPN
ajase-2106	247	8	,	,	PUNCT
ajase-2106	247	9	g.	g.	PROPN
ajase-2106	247	10	a.	a.	PROPN
ajase-2106	247	11	(	(	PUNCT
ajase-2106	247	12	2019	2019	NUM
ajase-2106	247	13	)	)	PUNCT
ajase-2106	247	14	.	.	PUNCT
ajase-2106	248	1	basis	basis	NOUN
ajase-2106	248	2	of	of	ADP
ajase-2106	248	3	implementation	implementation	NOUN
ajase-2106	248	4	of	of	ADP
ajase-2106	248	5	improving	improve	VERB
ajase-2106	248	6	financial	financial	ADJ
ajase-2106	248	7	stability	stability	NOUN
ajase-2106	248	8	in	in	ADP
ajase-2106	248	9	the	the	DET
ajase-2106	248	10	banking	banking	NOUN
ajase-2106	248	11	system	system	NOUN
ajase-2106	248	12	in	in	ADP
ajase-2106	248	13	iraq	iraq	PROPN
ajase-2106	248	14	.	.	PUNCT
ajase-2106	249	1	religación	religación	PROPN
ajase-2106	249	2	.	.	PUNCT
ajase-2106	250	1	revista	revista	PROPN
ajase-2106	250	2	de	de	PROPN
ajase-2106	250	3	ciencias	ciencias	PROPN
ajase-2106	250	4	sociales	sociales	PROPN
ajase-2106	250	5	y	y	PROPN
ajase-2106	250	6	humanidades	humanidade	NOUN
ajase-2106	250	7	,	,	PUNCT
ajase-2106	250	8	4(16	4(16	NUM
ajase-2106	250	9	)	)	PUNCT
ajase-2106	250	10	,	,	PUNCT
ajase-2106	250	11	245	245	NUM
ajase-2106	250	12	-	-	SYM
ajase-2106	250	13	253	253	NUM
ajase-2106	250	14	.	.	PUNCT
ajase-2106	251	1	sifrain	sifrain	PROPN
ajase-2106	251	2	,	,	PUNCT
ajase-2106	251	3	r.	r.	PROPN
ajase-2106	251	4	(	(	PUNCT
ajase-2106	251	5	2021	2021	NUM
ajase-2106	251	6	)	)	PUNCT
ajase-2106	251	7	.	.	PUNCT
ajase-2106	252	1	determinants	determinant	NOUN
ajase-2106	252	2	of	of	ADP
ajase-2106	252	3	banking	banking	NOUN
ajase-2106	252	4	stability	stability	NOUN
ajase-2106	252	5	:	:	PUNCT
ajase-2106	252	6	evidence	evidence	NOUN
ajase-2106	252	7	from	from	ADP
ajase-2106	252	8	haiti	haiti	PROPN
ajase-2106	252	9	’s	’s	PART
ajase-2106	252	10	banking	banking	NOUN
ajase-2106	252	11	system	system	NOUN
ajase-2106	252	12	.	.	PUNCT
ajase-2106	253	1	journal	journal	NOUN
ajase-2106	253	2	of	of	ADP
ajase-2106	253	3	financial	financial	ADJ
ajase-2106	253	4	risk	risk	NOUN
ajase-2106	253	5	management	management	NOUN
ajase-2106	253	6	,	,	PUNCT
ajase-2106	253	7	10(1	10(1	NUM
ajase-2106	253	8	)	)	PUNCT
ajase-2106	253	9	,	,	PUNCT
ajase-2106	253	10	80	80	NUM
ajase-2106	253	11	-	-	SYM
ajase-2106	253	12	99	99	NUM
ajase-2106	253	13	.	.	PUNCT
ajase-2106	254	1	sulemana	sulemana	PROPN
ajase-2106	254	2	,	,	PUNCT
ajase-2106	254	3	m.	m.	NOUN
ajase-2106	254	4	,	,	PUNCT
ajase-2106	254	5	dramani	dramani	ADJ
ajase-2106	254	6	,	,	PUNCT
ajase-2106	254	7	j.	j.	PROPN
ajase-2106	254	8	b.	b.	PROPN
ajase-2106	254	9	,	,	PUNCT
ajase-2106	254	10	&	&	CCONJ
ajase-2106	254	11	oteng	oteng	PROPN
ajase-2106	254	12	-	-	PUNCT
ajase-2106	254	13	abayie	abayie	PROPN
ajase-2106	254	14	,	,	PUNCT
ajase-2106	254	15	e.	e.	PROPN
ajase-2106	254	16	f.	f.	PROPN
ajase-2106	254	17	(	(	PUNCT
ajase-2106	254	18	2018	2018	NUM
ajase-2106	254	19	)	)	PUNCT
ajase-2106	254	20	.	.	PUNCT
ajase-2106	255	1	foreign	foreign	ADJ
ajase-2106	255	2	bank	bank	NOUN
ajase-2106	255	3	inflows	inflow	NOUN
ajase-2106	255	4	:	:	PUNCT
ajase-2106	255	5	implications	implication	NOUN
ajase-2106	255	6	for	for	ADP
ajase-2106	255	7	bank	bank	NOUN
ajase-2106	255	8	stability	stability	NOUN
ajase-2106	255	9	in	in	ADP
ajase-2106	255	10	sub	sub	ADJ
ajase-2106	255	11	-	-	ADJ
ajase-2106	255	12	saharan	saharan	ADJ
ajase-2106	255	13	africa	africa	PROPN
ajase-2106	255	14	.	.	PUNCT
ajase-2106	256	1	african	african	PROPN
ajase-2106	256	2	review	review	NOUN
ajase-2106	256	3	of	of	ADP
ajase-2106	256	4	economics	economic	NOUN
ajase-2106	256	5	and	and	CCONJ
ajase-2106	256	6	finance	finance	NOUN
ajase-2106	256	7	,	,	PUNCT
ajase-2106	256	8	10(1	10(1	NUM
ajase-2106	256	9	)	)	PUNCT
ajase-2106	256	10	,	,	PUNCT
ajase-2106	256	11	54	54	NUM
ajase-2106	256	12	-	-	SYM
ajase-2106	256	13	81	81	NUM
ajase-2106	256	14	.	.	PUNCT
ajase-2106	257	1	syed	sye	VERB
ajase-2106	257	2	,	,	PUNCT
ajase-2106	257	3	a.	a.	NOUN
ajase-2106	257	4	a.	a.	PROPN
ajase-2106	257	5	,	,	PUNCT
ajase-2106	257	6	kamal	kamal	PROPN
ajase-2106	257	7	,	,	PUNCT
ajase-2106	257	8	m.	m.	NOUN
ajase-2106	257	9	a.	a.	PROPN
ajase-2106	257	10	,	,	PUNCT
ajase-2106	257	11	ullah	ullah	PROPN
ajase-2106	257	12	,	,	PUNCT
ajase-2106	257	13	a.	a.	PROPN
ajase-2106	257	14	,	,	PUNCT
ajase-2106	257	15	&	&	CCONJ
ajase-2106	257	16	grima	grima	PROPN
ajase-2106	257	17	,	,	PUNCT
ajase-2106	257	18	s.	s.	PROPN
ajase-2106	257	19	(	(	PUNCT
ajase-2106	257	20	2022	2022	NUM
ajase-2106	257	21	)	)	PUNCT
ajase-2106	257	22	.	.	PUNCT
ajase-2106	258	1	an	an	DET
ajase-2106	258	2	asymmetric	asymmetric	ADJ
ajase-2106	258	3	analysis	analysis	NOUN
ajase-2106	258	4	of	of	ADP
ajase-2106	258	5	the	the	DET
ajase-2106	258	6	influence	influence	NOUN
ajase-2106	258	7	that	that	PRON
ajase-2106	258	8	economic	economic	ADJ
ajase-2106	258	9	policy	policy	NOUN
ajase-2106	258	10	uncertainty	uncertainty	NOUN
ajase-2106	258	11	,	,	PUNCT
ajase-2106	258	12	institutional	institutional	ADJ
ajase-2106	258	13	quality	quality	NOUN
ajase-2106	258	14	,	,	PUNCT
ajase-2106	258	15	and	and	CCONJ
ajase-2106	258	16	corruption	corruption	NOUN
ajase-2106	258	17	level	level	NOUN
ajase-2106	258	18	have	have	VERB
ajase-2106	258	19	on	on	ADP
ajase-2106	258	20	india	india	PROPN
ajase-2106	258	21	’s	’s	PART
ajase-2106	258	22	digital	digital	PROPN
ajase-2106	258	23	banking	banking	NOUN
ajase-2106	258	24	services	service	NOUN
ajase-2106	258	25	and	and	CCONJ
ajase-2106	258	26	banking	banking	NOUN
ajase-2106	258	27	stability	stability	NOUN
ajase-2106	258	28	.	.	PUNCT
ajase-2106	259	1	sustainability	sustainability	NOUN
ajase-2106	259	2	,	,	PUNCT
ajase-2106	259	3	14(6	14(6	NOUN
ajase-2106	259	4	)	)	PUNCT
ajase-2106	259	5	,	,	PUNCT
ajase-2106	259	6	3238	3238	NUM
ajase-2106	259	7	.	.	PUNCT
ajase-2106	260	1	uhde	uhde	PROPN
ajase-2106	260	2	,	,	PUNCT
ajase-2106	260	3	a.	a.	PROPN
ajase-2106	260	4	,	,	PUNCT
ajase-2106	260	5	&	&	CCONJ
ajase-2106	260	6	heimeshoff	heimeshoff	PROPN
ajase-2106	260	7	,	,	PUNCT
ajase-2106	260	8	u.	u.	PROPN
ajase-2106	260	9	(	(	PUNCT
ajase-2106	260	10	2009	2009	NUM
ajase-2106	260	11	)	)	PUNCT
ajase-2106	260	12	.	.	PUNCT
ajase-2106	261	1	consolidation	consolidation	NOUN
ajase-2106	261	2	in	in	ADP
ajase-2106	261	3	banking	banking	NOUN
ajase-2106	261	4	and	and	CCONJ
ajase-2106	261	5	financial	financial	ADJ
ajase-2106	261	6	stability	stability	NOUN
ajase-2106	261	7	in	in	ADP
ajase-2106	261	8	europe	europe	PROPN
ajase-2106	261	9	:	:	PUNCT
ajase-2106	261	10	empirical	empirical	ADJ
ajase-2106	261	11	evidence	evidence	NOUN
ajase-2106	261	12	.	.	PUNCT
ajase-2106	262	1	journal	journal	NOUN
ajase-2106	262	2	of	of	ADP
ajase-2106	262	3	banking	banking	NOUN
ajase-2106	262	4	&	&	CCONJ
ajase-2106	262	5	finance	finance	PROPN
ajase-2106	262	6	,	,	PUNCT
ajase-2106	262	7	33(7	33(7	NUM
ajase-2106	262	8	)	)	PUNCT
ajase-2106	262	9	,	,	PUNCT
ajase-2106	262	10	12991311	12991311	NUM
ajase-2106	262	11	.	.	PUNCT
ajase-2106	263	1	yunita	yunita	PROPN
ajase-2106	263	2	,	,	PUNCT
ajase-2106	263	3	p.	p.	NOUN
ajase-2106	263	4	(	(	PUNCT
ajase-2106	263	5	2022	2022	NUM
ajase-2106	263	6	)	)	PUNCT
ajase-2106	263	7	.	.	PUNCT
ajase-2106	264	1	dual	dual	ADJ
ajase-2106	264	2	banking	banking	NOUN
ajase-2106	264	3	system	system	NOUN
ajase-2106	264	4	stability	stability	NOUN
ajase-2106	264	5	index	index	NOUN
ajase-2106	264	6	in	in	ADP
ajase-2106	264	7	the	the	DET
ajase-2106	264	8	shadow	shadow	NOUN
ajase-2106	264	9	of	of	ADP
ajase-2106	264	10	covid-19	covid-19	PROPN
ajase-2106	264	11	pandemic	pandemic	ADJ
ajase-2106	264	12	.	.	PUNCT
ajase-2106	265	1	international	international	ADJ
ajase-2106	265	2	journal	journal	PROPN
ajase-2106	265	3	of	of	ADP
ajase-2106	265	4	islamic	islamic	ADJ
ajase-2106	265	5	economics	economic	NOUN
ajase-2106	265	6	and	and	CCONJ
ajase-2106	265	7	finance	finance	NOUN
ajase-2106	265	8	(	(	PUNCT
ajase-2106	265	9	ijief	ijief	NOUN
ajase-2106	265	10	)	)	PUNCT
ajase-2106	265	11	,	,	PUNCT
ajase-2106	265	12	5(1	5(1	NUM
ajase-2106	265	13	)	)	PUNCT
ajase-2106	265	14	,	,	PUNCT
ajase-2106	265	15	151	151	NUM
ajase-2106	265	16	-	-	SYM
ajase-2106	265	17	176	176	NUM
ajase-2106	265	18	.	.	PUNCT