id sid tid token lemma pos gp-104 1 1 195 195 NUM gp-104 1 2 american american ADJ gp-104 1 3 journal journal NOUN gp-104 1 4 of of ADP gp-104 1 5 economic economic ADJ gp-104 1 6 and and CCONJ gp-104 1 7 management management NOUN gp-104 1 8 business business NOUN gp-104 1 9 p p X gp-104 1 10 - - PUNCT gp-104 1 11 issn issn NOUN gp-104 1 12 : : PUNCT gp-104 1 13 xxxx xxxx ADJ gp-104 1 14 - - PUNCT gp-104 1 15 xxxx xxxx ADJ gp-104 1 16 e e NOUN gp-104 1 17 - - NOUN gp-104 1 18 issn issn ADJ gp-104 1 19 : : PUNCT gp-104 1 20 2835 2835 NUM gp-104 1 21 - - SYM gp-104 1 22 5199 5199 NUM gp-104 1 23 vol vol NOUN gp-104 1 24 . . NOUN gp-104 1 25 3 3 NUM gp-104 1 26 no no NOUN gp-104 1 27 . . NOUN gp-104 1 28 7 7 NUM gp-104 1 29 july july PROPN gp-104 1 30 2024 2024 NUM gp-104 1 31 the the DET gp-104 1 32 effect effect NOUN gp-104 1 33 of of ADP gp-104 1 34 competition competition NOUN gp-104 1 35 and and CCONJ gp-104 1 36 bank bank NOUN gp-104 1 37 size size NOUN gp-104 1 38 on on ADP gp-104 1 39 bank bank NOUN gp-104 1 40 stability stability NOUN gp-104 1 41 in in ADP gp-104 1 42 asean-5 asean-5 NUM gp-104 1 43 countries country NOUN gp-104 1 44 maudy1 maudy1 PROPN gp-104 1 45 * * PROPN gp-104 1 46 , , PUNCT gp-104 1 47 isni isni PROPN gp-104 1 48 andriana2 andriana2 PROPN gp-104 1 49 , , PUNCT gp-104 1 50 mu’izzuddin3 mu’izzuddin3 PROPN gp-104 1 51 , , PUNCT gp-104 1 52 marlina marlina PROPN gp-104 1 53 widiyanti4 widiyanti4 PROPN gp-104 1 54 sriwijaya sriwijaya PROPN gp-104 1 55 university university PROPN gp-104 1 56 , , PUNCT gp-104 1 57 palembang palembang PROPN gp-104 1 58 , , PUNCT gp-104 1 59 south south NOUN gp-104 1 60 sumatera sumatera NOUN gp-104 1 61 , , PUNCT gp-104 1 62 indonesia1,2,3,4 indonesia1,2,3,4 ADJ gp-104 1 63 email email NOUN gp-104 1 64 : : PUNCT gp-104 1 65 maudiody2013@gmail.com1 maudiody2013@gmail.com1 PROPN gp-104 1 66 * * SYM gp-104 1 67 , , PUNCT gp-104 1 68 isniandriana@unsri.ac.id2 isniandriana@unsri.ac.id2 NOUN gp-104 1 69 , , PUNCT gp-104 1 70 muizzudin@unsri.ac.id3 muizzudin@unsri.ac.id3 ADJ gp-104 1 71 , , PUNCT gp-104 1 72 marlinawidiyanti@fe.unsri.ac.id4 marlinawidiyanti@fe.unsri.ac.id4 ADJ gp-104 1 73 abstract abstract ADJ gp-104 1 74 this this DET gp-104 1 75 study study NOUN gp-104 1 76 aims aim VERB gp-104 1 77 to to PART gp-104 1 78 examine examine VERB gp-104 1 79 and and CCONJ gp-104 1 80 analyze analyze VERB gp-104 1 81 the the DET gp-104 1 82 influence influence NOUN gp-104 1 83 of of ADP gp-104 1 84 competition competition NOUN gp-104 1 85 and and CCONJ gp-104 1 86 bank bank NOUN gp-104 1 87 size size NOUN gp-104 1 88 on on ADP gp-104 1 89 bank bank NOUN gp-104 1 90 stability stability NOUN gp-104 1 91 in in ADP gp-104 1 92 asean-5 asean-5 NUM gp-104 1 93 countries country NOUN gp-104 1 94 . . PUNCT gp-104 2 1 utilizing utilize VERB gp-104 2 2 a a DET gp-104 2 3 descriptive descriptive ADJ gp-104 2 4 quantitative quantitative ADJ gp-104 2 5 approach approach NOUN gp-104 2 6 with with ADP gp-104 2 7 panel panel NOUN gp-104 2 8 data datum NOUN gp-104 2 9 estimation estimation NOUN gp-104 2 10 , , PUNCT gp-104 2 11 this this DET gp-104 2 12 research research NOUN gp-104 2 13 employs employ VERB gp-104 2 14 archival archival NOUN gp-104 2 15 data datum NOUN gp-104 2 16 analysis analysis NOUN gp-104 2 17 techniques technique NOUN gp-104 2 18 . . PUNCT gp-104 3 1 the the DET gp-104 3 2 data datum NOUN gp-104 3 3 were be AUX gp-104 3 4 sourced source VERB gp-104 3 5 from from ADP gp-104 3 6 moody moody PROPN gp-104 3 7 's 's PART gp-104 3 8 analytics analytic NOUN gp-104 3 9 bank bank NOUN gp-104 3 10 focus focus VERB gp-104 3 11 , , PUNCT gp-104 3 12 and and CCONJ gp-104 3 13 the the DET gp-104 3 14 sample sample NOUN gp-104 3 15 was be AUX gp-104 3 16 selected select VERB gp-104 3 17 using use VERB gp-104 3 18 purposive purposive ADJ gp-104 3 19 sampling sampling NOUN gp-104 3 20 , , PUNCT gp-104 3 21 resulting result VERB gp-104 3 22 in in ADP gp-104 3 23 133 133 NUM gp-104 3 24 commercial commercial ADJ gp-104 3 25 banks bank NOUN gp-104 3 26 from from ADP gp-104 3 27 asean-5 asean-5 NUM gp-104 3 28 countries country NOUN gp-104 3 29 for for ADP gp-104 3 30 the the DET gp-104 3 31 period period NOUN gp-104 3 32 2013-2023.the 2013-2023.the DET gp-104 3 33 findings finding NOUN gp-104 3 34 reveal reveal VERB gp-104 3 35 that that DET gp-104 3 36 competition competition NOUN gp-104 3 37 , , PUNCT gp-104 3 38 as as SCONJ gp-104 3 39 measured measure VERB gp-104 3 40 by by ADP gp-104 3 41 the the DET gp-104 3 42 lerner lerner PROPN gp-104 3 43 index index PROPN gp-104 3 44 , , PUNCT gp-104 3 45 has have VERB gp-104 3 46 a a DET gp-104 3 47 positive positive ADJ gp-104 3 48 and and CCONJ gp-104 3 49 significant significant ADJ gp-104 3 50 effect effect NOUN gp-104 3 51 on on ADP gp-104 3 52 bank bank NOUN gp-104 3 53 stability stability NOUN gp-104 3 54 , , PUNCT gp-104 3 55 both both CCONJ gp-104 3 56 when when SCONJ gp-104 3 57 stability stability NOUN gp-104 3 58 is be AUX gp-104 3 59 measured measure VERB gp-104 3 60 by by ADP gp-104 3 61 the the DET gp-104 3 62 z z NOUN gp-104 3 63 - - PUNCT gp-104 3 64 score score NOUN gp-104 3 65 and and CCONJ gp-104 3 66 by by ADP gp-104 3 67 non non ADJ gp-104 3 68 - - ADJ gp-104 3 69 performing performing ADJ gp-104 3 70 loans loan NOUN gp-104 3 71 ( ( PUNCT gp-104 3 72 npls npls NOUN gp-104 3 73 ) ) PUNCT gp-104 3 74 . . PUNCT gp-104 4 1 conversely conversely ADV gp-104 4 2 , , PUNCT gp-104 4 3 bank bank NOUN gp-104 4 4 size size NOUN gp-104 4 5 has have VERB gp-104 4 6 a a DET gp-104 4 7 negative negative ADJ gp-104 4 8 and and CCONJ gp-104 4 9 significant significant ADJ gp-104 4 10 effect effect NOUN gp-104 4 11 on on ADP gp-104 4 12 bank bank NOUN gp-104 4 13 stability stability NOUN gp-104 4 14 , , PUNCT gp-104 4 15 again again ADV gp-104 4 16 both both PRON gp-104 4 17 in in ADP gp-104 4 18 terms term NOUN gp-104 4 19 of of ADP gp-104 4 20 z z NOUN gp-104 4 21 - - PUNCT gp-104 4 22 score score NOUN gp-104 4 23 and and CCONJ gp-104 4 24 npls npls NOUN gp-104 4 25 . . PUNCT gp-104 5 1 these these DET gp-104 5 2 insights insight NOUN gp-104 5 3 are be AUX gp-104 5 4 valuable valuable ADJ gp-104 5 5 for for ADP gp-104 5 6 banking banking NOUN gp-104 5 7 institutions institution NOUN gp-104 5 8 , , PUNCT gp-104 5 9 debtors debtor NOUN gp-104 5 10 , , PUNCT gp-104 5 11 customers customer NOUN gp-104 5 12 , , PUNCT gp-104 5 13 and and CCONJ gp-104 5 14 investors investor NOUN gp-104 5 15 , , PUNCT gp-104 5 16 guiding guide VERB gp-104 5 17 their their PRON gp-104 5 18 capital capital NOUN gp-104 5 19 investments investment NOUN gp-104 5 20 in in ADP gp-104 5 21 the the DET gp-104 5 22 banking banking NOUN gp-104 5 23 sector sector NOUN gp-104 5 24 . . PUNCT gp-104 6 1 future future ADJ gp-104 6 2 research research NOUN gp-104 6 3 should should AUX gp-104 6 4 consider consider VERB gp-104 6 5 additional additional ADJ gp-104 6 6 factors factor NOUN gp-104 6 7 such such ADJ gp-104 6 8 as as ADP gp-104 6 9 efficiency efficiency NOUN gp-104 6 10 , , PUNCT gp-104 6 11 gdp gdp NOUN gp-104 6 12 , , PUNCT gp-104 6 13 and and CCONJ gp-104 6 14 interest interest NOUN gp-104 6 15 rates rate NOUN gp-104 6 16 on on ADP gp-104 6 17 bank bank NOUN gp-104 6 18 stability stability NOUN gp-104 6 19 , , PUNCT gp-104 6 20 and and CCONJ gp-104 6 21 expand expand VERB gp-104 6 22 the the DET gp-104 6 23 scope scope NOUN gp-104 6 24 of of ADP gp-104 6 25 the the DET gp-104 6 26 study study NOUN gp-104 6 27 to to PART gp-104 6 28 include include VERB gp-104 6 29 a a DET gp-104 6 30 broader broad ADJ gp-104 6 31 range range NOUN gp-104 6 32 of of ADP gp-104 6 33 observations observation NOUN gp-104 6 34 . . PUNCT gp-104 7 1 keywords keyword NOUN gp-104 7 2 : : PUNCT gp-104 8 1 z z X gp-104 8 2 - - PUNCT gp-104 8 3 score score NOUN gp-104 8 4 ; ; PUNCT gp-104 8 5 non non ADJ gp-104 8 6 - - ADJ gp-104 8 7 performing perform VERB gp-104 8 8 loan loan NOUN gp-104 8 9 ; ; PUNCT gp-104 8 10 lerner lerner PROPN gp-104 8 11 ; ; PUNCT gp-104 8 12 size size NOUN gp-104 8 13 . . PUNCT gp-104 9 1 this this DET gp-104 9 2 article article NOUN gp-104 9 3 is be AUX gp-104 9 4 licensed license VERB gp-104 9 5 under under ADP gp-104 9 6 a a DET gp-104 9 7 creative creative ADJ gp-104 9 8 commons common NOUN gp-104 9 9 attribution attribution NOUN gp-104 9 10 - - PUNCT gp-104 9 11 sharealike sharealike ADJ gp-104 9 12 4.0 4.0 NUM gp-104 9 13 international international ADJ gp-104 9 14 introduction introduction NOUN gp-104 9 15 the the DET gp-104 9 16 global global ADJ gp-104 9 17 economic economic ADJ gp-104 9 18 crisis crisis NOUN gp-104 9 19 that that PRON gp-104 9 20 occurred occur VERB gp-104 9 21 in in ADP gp-104 9 22 2008 2008 NUM gp-104 9 23 was be AUX gp-104 9 24 an an DET gp-104 9 25 event event NOUN gp-104 9 26 that that PRON gp-104 9 27 taught teach VERB gp-104 9 28 lessons lesson NOUN gp-104 9 29 about about ADP gp-104 9 30 the the DET gp-104 9 31 importance importance NOUN gp-104 9 32 of of ADP gp-104 9 33 reducing reduce VERB gp-104 9 34 systemic systemic ADJ gp-104 9 35 risk risk NOUN gp-104 9 36 and and CCONJ gp-104 9 37 maintaining maintain VERB gp-104 9 38 financial financial ADJ gp-104 9 39 system system NOUN gp-104 9 40 stability stability NOUN gp-104 9 41 ( ( PUNCT gp-104 9 42 fauziah fauziah PROPN gp-104 9 43 et et PROPN gp-104 9 44 al al PROPN gp-104 9 45 . . PROPN gp-104 9 46 , , PUNCT gp-104 9 47 2020 2020 NUM gp-104 9 48 ) ) PUNCT gp-104 9 49 and and CCONJ gp-104 9 50 ( ( PUNCT gp-104 9 51 ( ( PUNCT gp-104 9 52 rahmah rahmah NOUN gp-104 9 53 , , PUNCT gp-104 9 54 2018 2018 NUM gp-104 9 55 ) ) PUNCT gp-104 9 56 . . PUNCT gp-104 10 1 significant significant ADJ gp-104 10 2 changes change NOUN gp-104 10 3 to to ADP gp-104 10 4 the the DET gp-104 10 5 legislative legislative ADJ gp-104 10 6 and and CCONJ gp-104 10 7 supervisory supervisory ADJ gp-104 10 8 framework framework NOUN gp-104 10 9 in in ADP gp-104 10 10 the the DET gp-104 10 11 banking banking NOUN gp-104 10 12 industry industry NOUN gp-104 10 13 of of ADP gp-104 10 14 asean asean ADJ gp-104 10 15 countries country NOUN gp-104 10 16 are be AUX gp-104 10 17 caused cause VERB gp-104 10 18 by by ADP gp-104 10 19 the the DET gp-104 10 20 crisis crisis NOUN gp-104 10 21 ( ( PUNCT gp-104 10 22 noman noman PROPN gp-104 10 23 et et PROPN gp-104 10 24 al al PROPN gp-104 10 25 . . PROPN gp-104 10 26 , , PUNCT gp-104 10 27 2017 2017 NUM gp-104 10 28 ) ) PUNCT gp-104 10 29 and and CCONJ gp-104 10 30 ( ( PUNCT gp-104 10 31 kim kim PROPN gp-104 10 32 et et PROPN gp-104 10 33 al al PROPN gp-104 10 34 . . PROPN gp-104 10 35 , , PUNCT gp-104 10 36 2020 2020 NUM gp-104 10 37 ) ) PUNCT gp-104 10 38 . . PUNCT gp-104 11 1 there there PRON gp-104 11 2 is be VERB gp-104 11 3 a a DET gp-104 11 4 complicated complicated ADJ gp-104 11 5 relationship relationship NOUN gp-104 11 6 between between ADP gp-104 11 7 financial financial ADJ gp-104 11 8 stability stability NOUN gp-104 11 9 and and CCONJ gp-104 11 10 macroeconomic macroeconomic ADJ gp-104 11 11 stability stability NOUN gp-104 11 12 . . PUNCT gp-104 12 1 therefore therefore ADV gp-104 12 2 , , PUNCT gp-104 12 3 financial financial ADJ gp-104 12 4 stability stability NOUN gp-104 12 5 analysis analysis NOUN gp-104 12 6 can can AUX gp-104 12 7 not not PART gp-104 12 8 be be AUX gp-104 12 9 ignored ignore VERB gp-104 12 10 ( ( PUNCT gp-104 12 11 amanda amanda PROPN gp-104 12 12 , , PUNCT gp-104 12 13 2023 2023 NUM gp-104 12 14 ) ) PUNCT gp-104 12 15 . . PUNCT gp-104 13 1 stability stability NOUN gp-104 13 2 in in ADP gp-104 13 3 the the DET gp-104 13 4 financial financial ADJ gp-104 13 5 system system NOUN gp-104 13 6 can can AUX gp-104 13 7 prevent prevent VERB gp-104 13 8 financial financial ADJ gp-104 13 9 crises crisis NOUN gp-104 13 10 and and CCONJ gp-104 13 11 play play VERB gp-104 13 12 an an DET gp-104 13 13 important important ADJ gp-104 13 14 role role NOUN gp-104 13 15 in in ADP gp-104 13 16 boosting boost VERB gp-104 13 17 economic economic ADJ gp-104 13 18 growth growth NOUN gp-104 13 19 ( ( PUNCT gp-104 13 20 sri sri PROPN gp-104 13 21 setiawati setiawati NOUN gp-104 13 22 , , PUNCT gp-104 13 23 2020 2020 NUM gp-104 13 24 ) ) PUNCT gp-104 13 25 ( ( PUNCT gp-104 13 26 ahi ahi NOUN gp-104 13 27 & & CCONJ gp-104 13 28 laidroo laidroo PROPN gp-104 13 29 , , PUNCT gp-104 13 30 2019 2019 NUM gp-104 13 31 ; ; PUNCT gp-104 13 32 ahmad ahmad PROPN gp-104 13 33 et et PROPN gp-104 13 34 al al PROPN gp-104 13 35 . . PROPN gp-104 13 36 , , PUNCT gp-104 13 37 2022 2022 NUM gp-104 13 38 ; ; PUNCT gp-104 13 39 shahriar shahriar NOUN gp-104 13 40 et et PROPN gp-104 13 41 al al PROPN gp-104 13 42 . . PROPN gp-104 13 43 , , PUNCT gp-104 13 44 2023 2023 NUM gp-104 13 45 ) ) PUNCT gp-104 13 46 . . PUNCT gp-104 14 1 ( ( PUNCT gp-104 14 2 phan phan NOUN gp-104 14 3 et et PROPN gp-104 14 4 al al PROPN gp-104 14 5 . . PROPN gp-104 14 6 , , PUNCT gp-104 14 7 2019 2019 NUM gp-104 14 8 ) ) PUNCT gp-104 14 9 and and CCONJ gp-104 14 10 ( ( PUNCT gp-104 14 11 wai wai PROPN gp-104 14 12 peng peng PROPN gp-104 14 13 wong wong PROPN gp-104 14 14 , , PUNCT gp-104 14 15 2016 2016 NUM gp-104 14 16 ) ) PUNCT gp-104 14 17 there there PRON gp-104 14 18 are be VERB gp-104 14 19 several several ADJ gp-104 14 20 specific specific ADJ gp-104 14 21 reasons reason NOUN gp-104 14 22 for for ADP gp-104 14 23 the the DET gp-104 14 24 rapid rapid ADJ gp-104 14 25 development development NOUN gp-104 14 26 of of ADP gp-104 14 27 the the DET gp-104 14 28 domestic domestic ADJ gp-104 14 29 banking banking NOUN gp-104 14 30 industry industry NOUN gp-104 14 31 mailto mailto NOUN gp-104 14 32 : : PUNCT gp-104 14 33 maudiody2013@gmail.com1 maudiody2013@gmail.com1 PROPN gp-104 14 34 * * X gp-104 14 35 mailto mailto PROPN gp-104 14 36 : : PUNCT gp-104 14 37 isniandriana@unsri.ac.id2 isniandriana@unsri.ac.id2 NOUN gp-104 14 38 mailto mailto NOUN gp-104 14 39 : : PUNCT gp-104 14 40 muizzudin@unsri.ac.id3 muizzudin@unsri.ac.id3 VERB gp-104 14 41 mailto mailto NOUN gp-104 14 42 : : PUNCT gp-104 14 43 marlinawidiyanti@fe.unsri.ac.id4 marlinawidiyanti@fe.unsri.ac.id4 PROPN gp-104 14 44 https://creativecommons.org/licenses/by-sa/4.0/ https://creativecommons.org/licenses/by-sa/4.0/ PROPN gp-104 14 45 https://creativecommons.org/licenses/by-sa/4.0/ https://creativecommons.org/licenses/by-sa/4.0/ PROPN gp-104 14 46 https://creativecommons.org/licenses/by-sa/4.0/ https://creativecommons.org/licenses/by-sa/4.0/ PROPN gp-104 14 47 american american PROPN gp-104 14 48 journal journal PROPN gp-104 14 49 of of ADP gp-104 14 50 economic economic ADJ gp-104 14 51 and and CCONJ gp-104 14 52 management management NOUN gp-104 14 53 business business NOUN gp-104 14 54 vol vol NOUN gp-104 14 55 . . PROPN gp-104 15 1 3 3 NUM gp-104 16 1 no no NOUN gp-104 16 2 . . NOUN gp-104 17 1 7 7 NUM gp-104 17 2 july july PROPN gp-104 17 3 2024 2024 NUM gp-104 17 4 196 196 NUM gp-104 17 5 in in ADP gp-104 17 6 asean asean PROPN gp-104 17 7 , , PUNCT gp-104 17 8 including include VERB gp-104 17 9 asean asean NOUN gp-104 17 10 is be AUX gp-104 17 11 the the DET gp-104 17 12 fourth fourth ADJ gp-104 17 13 trading trading NOUN gp-104 17 14 region region NOUN gp-104 17 15 that that PRON gp-104 17 16 causes cause VERB gp-104 17 17 fierce fierce ADJ gp-104 17 18 competition competition NOUN gp-104 17 19 , , PUNCT gp-104 17 20 the the DET gp-104 17 21 existence existence NOUN gp-104 17 22 of of ADP gp-104 17 23 the the DET gp-104 17 24 asean asean ADJ gp-104 17 25 economic economic ADJ gp-104 17 26 community community NOUN gp-104 17 27 ( ( PUNCT gp-104 17 28 aec aec PROPN gp-104 17 29 ) ) PUNCT gp-104 17 30 and and CCONJ gp-104 17 31 an an DET gp-104 17 32 integrated integrate VERB gp-104 17 33 banking banking NOUN gp-104 17 34 sector sector NOUN gp-104 17 35 . . PUNCT gp-104 18 1 the the DET gp-104 18 2 bank bank NOUN gp-104 18 3 overcomes overcome VERB gp-104 18 4 various various ADJ gp-104 18 5 obstacles obstacle NOUN gp-104 18 6 and and CCONJ gp-104 18 7 threats threat NOUN gp-104 18 8 to to ADP gp-104 18 9 its its PRON gp-104 18 10 stability stability NOUN gp-104 18 11 . . PUNCT gp-104 19 1 competition competition NOUN gp-104 19 2 and and CCONJ gp-104 19 3 bank bank NOUN gp-104 19 4 size size NOUN gp-104 19 5 are be AUX gp-104 19 6 among among ADP gp-104 19 7 the the DET gp-104 19 8 determinants determinant NOUN gp-104 19 9 of of ADP gp-104 19 10 stability stability NOUN gp-104 19 11 in in ADP gp-104 19 12 several several ADJ gp-104 19 13 studies study NOUN gp-104 19 14 related relate VERB gp-104 19 15 to to ADP gp-104 19 16 banking banking NOUN gp-104 19 17 stability stability NOUN gp-104 19 18 ( ( PUNCT gp-104 19 19 amanda amanda PROPN gp-104 19 20 , , PUNCT gp-104 19 21 2023 2023 NUM gp-104 19 22 ) ) PUNCT gp-104 19 23 . . PUNCT gp-104 20 1 according accord VERB gp-104 20 2 to to ADP gp-104 20 3 ( ( PUNCT gp-104 20 4 phan phan PROPN gp-104 20 5 et et PROPN gp-104 20 6 al al PROPN gp-104 20 7 . . PROPN gp-104 20 8 , , PUNCT gp-104 20 9 2019 2019 NUM gp-104 20 10 ) ) PUNCT gp-104 20 11 ; ; PUNCT gp-104 20 12 ( ( PUNCT gp-104 20 13 hertina hertina ADV gp-104 20 14 et et PROPN gp-104 20 15 al al PROPN gp-104 20 16 . . PROPN gp-104 20 17 , , PUNCT gp-104 20 18 2019 2019 NUM gp-104 20 19 ; ; PUNCT gp-104 20 20 t. t. PROPN gp-104 20 21 p. p. PROPN gp-104 20 22 t. t. PROPN gp-104 20 23 nguyen nguyen PROPN gp-104 20 24 & & CCONJ gp-104 20 25 nghiem nghiem PROPN gp-104 20 26 , , PUNCT gp-104 20 27 2020 2020 NUM gp-104 20 28 ) ) PUNCT gp-104 20 29 . . PUNCT gp-104 21 1 competition competition NOUN gp-104 21 2 is be AUX gp-104 21 3 a a DET gp-104 21 4 state state NOUN gp-104 21 5 in in ADP gp-104 21 6 which which PRON gp-104 21 7 various various ADJ gp-104 21 8 parties party NOUN gp-104 21 9 compete compete VERB gp-104 21 10 with with ADP gp-104 21 11 each each DET gp-104 21 12 other other ADJ gp-104 21 13 to to PART gp-104 21 14 achieve achieve VERB gp-104 21 15 a a DET gp-104 21 16 certain certain ADJ gp-104 21 17 goal goal NOUN gp-104 21 18 . . PUNCT gp-104 22 1 banking banking NOUN gp-104 22 2 institutions institution NOUN gp-104 22 3 are be AUX gp-104 22 4 accelerating accelerate VERB gp-104 22 5 the the DET gp-104 22 6 consolidation consolidation NOUN gp-104 22 7 process process NOUN gp-104 22 8 to to PART gp-104 22 9 maintain maintain VERB gp-104 22 10 their their PRON gp-104 22 11 market market NOUN gp-104 22 12 power power NOUN gp-104 22 13 in in ADP gp-104 22 14 light light NOUN gp-104 22 15 of of ADP gp-104 22 16 increasing increase VERB gp-104 22 17 competition competition NOUN gp-104 22 18 , , PUNCT gp-104 22 19 which which PRON gp-104 22 20 raises raise VERB gp-104 22 21 concerns concern NOUN gp-104 22 22 about about ADP gp-104 22 23 the the DET gp-104 22 24 number number NOUN gp-104 22 25 of of ADP gp-104 22 26 large large ADJ gp-104 22 27 banks bank NOUN gp-104 22 28 and and CCONJ gp-104 22 29 the the DET gp-104 22 30 level level NOUN gp-104 22 31 of of ADP gp-104 22 32 concentration concentration NOUN gp-104 22 33 ( ( PUNCT gp-104 22 34 dutta dutta PROPN gp-104 22 35 & & CCONJ gp-104 22 36 saha saha PROPN gp-104 22 37 , , PUNCT gp-104 22 38 2021 2021 NUM gp-104 22 39 ) ) PUNCT gp-104 22 40 . . PUNCT gp-104 23 1 furthermore furthermore ADV gp-104 23 2 , , PUNCT gp-104 23 3 regarding regard VERB gp-104 23 4 the the DET gp-104 23 5 size size NOUN gp-104 23 6 of of ADP gp-104 23 7 the the DET gp-104 23 8 bank bank NOUN gp-104 23 9 , , PUNCT gp-104 23 10 it it PRON gp-104 23 11 is be AUX gp-104 23 12 theoretically theoretically ADV gp-104 23 13 stated state VERB gp-104 23 14 that that SCONJ gp-104 23 15 the the PRON gp-104 23 16 larger large ADJ gp-104 23 17 the the DET gp-104 23 18 bank bank NOUN gp-104 23 19 's 's PART gp-104 23 20 size size NOUN gp-104 23 21 , , PUNCT gp-104 23 22 the the PRON gp-104 23 23 better well ADJ gp-104 23 24 its its PRON gp-104 23 25 risk risk NOUN gp-104 23 26 management management NOUN gp-104 23 27 capabilities capability NOUN gp-104 23 28 , , PUNCT gp-104 23 29 infrastructure infrastructure NOUN gp-104 23 30 and and CCONJ gp-104 23 31 human human ADJ gp-104 23 32 resources resource NOUN gp-104 23 33 will will AUX gp-104 23 34 be be AUX gp-104 23 35 , , PUNCT gp-104 23 36 which which PRON gp-104 23 37 will will AUX gp-104 23 38 have have VERB gp-104 23 39 a a DET gp-104 23 40 positive positive ADJ gp-104 23 41 impact impact NOUN gp-104 23 42 on on ADP gp-104 23 43 its its PRON gp-104 23 44 stability stability NOUN gp-104 23 45 ( ( PUNCT gp-104 23 46 ahmad ahmad PROPN gp-104 23 47 fatoni fatoni PROPN gp-104 23 48 , , PUNCT gp-104 23 49 2022 2022 NUM gp-104 23 50 ) ) PUNCT gp-104 23 51 . . PUNCT gp-104 24 1 the the DET gp-104 24 2 following follow VERB gp-104 24 3 is be AUX gp-104 24 4 the the DET gp-104 24 5 ranking ranking NOUN gp-104 24 6 of of ADP gp-104 24 7 the the DET gp-104 24 8 top top ADJ gp-104 24 9 5 5 NUM gp-104 24 10 banks bank NOUN gp-104 24 11 in in ADP gp-104 24 12 the the DET gp-104 24 13 asean-5 asean-5 NUM gp-104 24 14 region region NOUN gp-104 24 15 . . PUNCT gp-104 25 1 table table NOUN gp-104 26 1 1 1 NUM gp-104 26 2 . . NOUN gp-104 26 3 size size NOUN gp-104 26 4 of of ADP gp-104 26 5 the the DET gp-104 26 6 5th 5th ADJ gp-104 26 7 largest large ADJ gp-104 26 8 banks bank NOUN gp-104 26 9 in in ADP gp-104 26 10 asean asean NOUN gp-104 26 11 - - PUNCT gp-104 26 12 by by ADP gp-104 26 13 total total ADJ gp-104 26 14 assets asset NOUN gp-104 26 15 it it PRON gp-104 26 16 bank bank NOUN gp-104 26 17 name name NOUN gp-104 26 18 country country NOUN gp-104 26 19 total total ADJ gp-104 26 20 assets asset NOUN gp-104 26 21 us$ us$ SYM gp-104 26 22 1 1 NUM gp-104 26 23 dbs dbs PROPN gp-104 26 24 bank bank PROPN gp-104 26 25 singapore singapore PROPN gp-104 26 26 491,9 491,9 NOUN gp-104 26 27 2 2 NUM gp-104 26 28 ocbc ocbc PROPN gp-104 26 29 bank bank NOUN gp-104 26 30 singapore singapore PROPN gp-104 26 31 394,5 394,5 NUM gp-104 26 32 3 3 NUM gp-104 26 33 united unite VERB gp-104 26 34 overseas overseas PROPN gp-104 26 35 bank bank PROPN gp-104 26 36 singapore singapore PROPN gp-104 26 37 326,7 326,7 PROPN gp-104 26 38 4 4 NUM gp-104 26 39 malayan malayan PROPN gp-104 26 40 banking banking NOUN gp-104 26 41 malaysia malaysia PROPN gp-104 26 42 213 213 NUM gp-104 26 43 5 5 NUM gp-104 26 44 cimb cimb PROPN gp-104 26 45 bank bank PROPN gp-104 26 46 malaysia malaysia PROPN gp-104 26 47 149,7 149,7 PROPN gp-104 26 48 source source NOUN gp-104 26 49 : : PUNCT gp-104 26 50 forbes forbe NOUN gp-104 26 51 , , PUNCT gp-104 26 52 2021 2021 NUM gp-104 26 53 table table NOUN gp-104 26 54 1 1 NUM gp-104 26 55 . . PUNCT gp-104 26 56 shows show VERB gp-104 26 57 the the DET gp-104 26 58 ranking ranking NOUN gp-104 26 59 of of ADP gp-104 26 60 the the DET gp-104 26 61 largest large ADJ gp-104 26 62 banks bank NOUN gp-104 26 63 in in ADP gp-104 26 64 asean-5 asean-5 NUM gp-104 26 65 by by ADP gp-104 26 66 total total ADJ gp-104 26 67 assets asset NOUN gp-104 26 68 in in ADP gp-104 26 69 2021 2021 NUM gp-104 26 70 . . PUNCT gp-104 27 1 the the DET gp-104 27 2 top top ADJ gp-104 27 3 5 5 NUM gp-104 27 4 largest large ADJ gp-104 27 5 asean-5 asean-5 NUM gp-104 27 6 banks bank NOUN gp-104 27 7 are be AUX gp-104 27 8 occupied occupy VERB gp-104 27 9 by by ADP gp-104 27 10 singapore singapore PROPN gp-104 27 11 and and CCONJ gp-104 27 12 malaysian malaysian ADJ gp-104 27 13 banks bank NOUN gp-104 27 14 . . PUNCT gp-104 28 1 singaporean singaporean ADJ gp-104 28 2 banks bank NOUN gp-104 28 3 still still ADV gp-104 28 4 dominate dominate VERB gp-104 28 5 asean asean ADJ gp-104 28 6 banking banking NOUN gp-104 28 7 by by ADP gp-104 28 8 occupying occupy VERB gp-104 28 9 the the DET gp-104 28 10 top top ADJ gp-104 28 11 three three NUM gp-104 28 12 rankings ranking NOUN gp-104 28 13 , , PUNCT gp-104 28 14 namely namely ADV gp-104 28 15 dbs dbs PROPN gp-104 28 16 , , PUNCT gp-104 28 17 ocbc ocbc NOUN gp-104 28 18 , , PUNCT gp-104 28 19 and and CCONJ gp-104 28 20 uob uob NOUN gp-104 28 21 . . PUNCT gp-104 29 1 it it PRON gp-104 29 2 is be AUX gp-104 29 3 followed follow VERB gp-104 29 4 by by ADP gp-104 29 5 malaysian malaysian ADJ gp-104 29 6 banks bank NOUN gp-104 29 7 at at ADP gp-104 29 8 4 4 NUM gp-104 29 9 to to PART gp-104 29 10 5 5 NUM gp-104 29 11 . . PUNCT gp-104 30 1 the the DET gp-104 30 2 problem problem NOUN gp-104 30 3 of of ADP gp-104 30 4 limiting limit VERB gp-104 30 5 the the DET gp-104 30 6 size size NOUN gp-104 30 7 of of ADP gp-104 30 8 banks bank NOUN gp-104 30 9 has have AUX gp-104 30 10 become become VERB gp-104 30 11 increasingly increasingly ADV gp-104 30 12 prominent prominent ADJ gp-104 30 13 since since SCONJ gp-104 30 14 the the DET gp-104 30 15 global global ADJ gp-104 30 16 financial financial ADJ gp-104 30 17 crisis crisis NOUN gp-104 30 18 of of ADP gp-104 30 19 2007 2007 NUM gp-104 30 20 - - SYM gp-104 30 21 2008 2008 NUM gp-104 30 22 . . PUNCT gp-104 31 1 this this PRON gp-104 31 2 is be AUX gp-104 31 3 because because SCONJ gp-104 31 4 of of ADP gp-104 31 5 the the DET gp-104 31 6 abundance abundance NOUN gp-104 31 7 of of ADP gp-104 31 8 evidence evidence NOUN gp-104 31 9 that that PRON gp-104 31 10 shows show VERB gp-104 31 11 that that SCONJ gp-104 31 12 the the DET gp-104 31 13 big big ADJ gp-104 31 14 banks bank NOUN gp-104 31 15 were be AUX gp-104 31 16 responsible responsible ADJ gp-104 31 17 for for ADP gp-104 31 18 the the DET gp-104 31 19 crisis crisis NOUN gp-104 31 20 that that PRON gp-104 31 21 caused cause VERB gp-104 31 22 significant significant ADJ gp-104 31 23 damage damage NOUN gp-104 31 24 to to ADP gp-104 31 25 many many ADJ gp-104 31 26 economies economy NOUN gp-104 31 27 around around ADP gp-104 31 28 the the DET gp-104 31 29 world world NOUN gp-104 31 30 ( ( PUNCT gp-104 31 31 adusei adusei ADJ gp-104 31 32 , , PUNCT gp-104 31 33 2019 2019 NUM gp-104 31 34 ) ) PUNCT gp-104 31 35 . . PUNCT gp-104 32 1 some some DET gp-104 32 2 studies study NOUN gp-104 32 3 show show VERB gp-104 32 4 different different ADJ gp-104 32 5 results result NOUN gp-104 32 6 ( ( PUNCT gp-104 32 7 kanas kanas PROPN gp-104 32 8 et et PROPN gp-104 32 9 al al PROPN gp-104 32 10 . . PROPN gp-104 32 11 , , PUNCT gp-104 32 12 2019 2019 NUM gp-104 32 13 ) ) PUNCT gp-104 32 14 . . PUNCT gp-104 33 1 ( ( PUNCT gp-104 33 2 lee lee PROPN gp-104 33 3 et et PROPN gp-104 33 4 al al PROPN gp-104 33 5 . . PROPN gp-104 33 6 , , PUNCT gp-104 33 7 2023 2023 NUM gp-104 33 8 ) ) PUNCT gp-104 33 9 ; ; PUNCT gp-104 33 10 ( ( PUNCT gp-104 33 11 ibrahim ibrahim NOUN gp-104 33 12 et et PROPN gp-104 33 13 al al PROPN gp-104 33 14 . . PROPN gp-104 33 15 , , PUNCT gp-104 33 16 2019 2019 NUM gp-104 33 17 ) ) PUNCT gp-104 33 18 stated state VERB gp-104 33 19 that that SCONJ gp-104 33 20 bank bank NOUN gp-104 33 21 competition competition NOUN gp-104 33 22 has have VERB gp-104 33 23 a a DET gp-104 33 24 negative negative ADJ gp-104 33 25 and and CCONJ gp-104 33 26 significant significant ADJ gp-104 33 27 effect effect NOUN gp-104 33 28 on on ADP gp-104 33 29 bank bank NOUN gp-104 33 30 stability stability NOUN gp-104 33 31 . . PUNCT gp-104 34 1 the the DET gp-104 34 2 bank bank NOUN gp-104 34 3 's 's PART gp-104 34 4 level level NOUN gp-104 34 5 of of ADP gp-104 34 6 stability stability NOUN gp-104 34 7 supports support VERB gp-104 34 8 the the DET gp-104 34 9 view view NOUN gp-104 34 10 that that SCONJ gp-104 34 11 higher high ADJ gp-104 34 12 competition competition NOUN gp-104 34 13 leads lead VERB gp-104 34 14 to to ADP gp-104 34 15 instability instability NOUN gp-104 34 16 and and CCONJ gp-104 34 17 vice vice NOUN gp-104 34 18 versa versa ADV gp-104 34 19 . . PUNCT gp-104 35 1 this this PRON gp-104 35 2 is be AUX gp-104 35 3 also also ADV gp-104 35 4 in in ADP gp-104 35 5 line line NOUN gp-104 35 6 with with ADP gp-104 35 7 the the DET gp-104 35 8 research research NOUN gp-104 35 9 conducted conduct VERB gp-104 35 10 by by ADP gp-104 35 11 ( ( PUNCT gp-104 35 12 arping arpe VERB gp-104 35 13 , , PUNCT gp-104 35 14 2019 2019 NUM gp-104 35 15 ) ) PUNCT gp-104 35 16 and and CCONJ gp-104 35 17 ( ( PUNCT gp-104 35 18 leroy leroy PROPN gp-104 35 19 & & CCONJ gp-104 35 20 lucotte lucotte PROPN gp-104 35 21 , , PUNCT gp-104 35 22 2019 2019 NUM gp-104 35 23 ) ) PUNCT gp-104 35 24 , , PUNCT gp-104 35 25 which which PRON gp-104 35 26 states state VERB gp-104 35 27 that that SCONJ gp-104 35 28 competition competition NOUN gp-104 35 29 has have VERB gp-104 35 30 a a DET gp-104 35 31 negative negative ADJ gp-104 35 32 effect effect NOUN gp-104 35 33 on on ADP gp-104 35 34 the the DET gp-104 35 35 stability stability NOUN gp-104 35 36 of of ADP gp-104 35 37 the the DET gp-104 35 38 banking banking NOUN gp-104 35 39 industry industry NOUN gp-104 35 40 . . PUNCT gp-104 36 1 however however ADV gp-104 36 2 , , PUNCT gp-104 36 3 it it PRON gp-104 36 4 is be AUX gp-104 36 5 different different ADJ gp-104 36 6 from from ADP gp-104 36 7 the the DET gp-104 36 8 research research NOUN gp-104 36 9 conducted conduct VERB gp-104 36 10 by by ADP gp-104 36 11 ( ( PUNCT gp-104 36 12 pessarossi pessarossi PROPN gp-104 36 13 et et PROPN gp-104 36 14 al al PROPN gp-104 36 15 . . PROPN gp-104 36 16 , , PUNCT gp-104 36 17 2020 2020 NUM gp-104 36 18 ) ) PUNCT gp-104 36 19 and and CCONJ gp-104 36 20 ( ( PUNCT gp-104 36 21 nasim nasim PROPN gp-104 36 22 et et PROPN gp-104 36 23 al al PROPN gp-104 36 24 . . PROPN gp-104 36 25 , , PUNCT gp-104 36 26 2023 2023 NUM gp-104 36 27 ) ) PUNCT gp-104 36 28 ( ( PUNCT gp-104 36 29 sanderson sanderson PROPN gp-104 36 30 et et PROPN gp-104 36 31 al al PROPN gp-104 36 32 . . PROPN gp-104 36 33 , , PUNCT gp-104 36 34 2019 2019 NUM gp-104 36 35 ) ) PUNCT gp-104 36 36 have have VERB gp-104 36 37 a a DET gp-104 36 38 positive positive ADJ gp-104 36 39 and and CCONJ gp-104 36 40 significant significant ADJ gp-104 36 41 effect effect NOUN gp-104 36 42 on on ADP gp-104 36 43 bank bank NOUN gp-104 36 44 stability stability NOUN gp-104 36 45 , , PUNCT gp-104 36 46 this this DET gp-104 36 47 result result NOUN gp-104 36 48 , , PUNCT gp-104 36 49 in in ADP gp-104 36 50 line line NOUN gp-104 36 51 with with ADP gp-104 36 52 research research NOUN gp-104 36 53 conducted conduct VERB gp-104 36 54 by by ADP gp-104 36 55 ( ( PUNCT gp-104 36 56 shamshur shamshur PROPN gp-104 36 57 & & CCONJ gp-104 36 58 weill weill PROPN gp-104 36 59 , , PUNCT gp-104 36 60 2019 2019 NUM gp-104 36 61 ) ) PUNCT gp-104 36 62 and and CCONJ gp-104 36 63 ( ( PUNCT gp-104 36 64 huizhi huizhi PROPN gp-104 36 65 & & CCONJ gp-104 36 66 xianghua xianghua PROPN gp-104 36 67 , , PUNCT gp-104 36 68 2023 2023 NUM gp-104 36 69 ) ) PUNCT gp-104 36 70 said say VERB gp-104 36 71 that that SCONJ gp-104 36 72 competition competition NOUN gp-104 36 73 affects affect VERB gp-104 36 74 the the DET gp-104 36 75 stability stability NOUN gp-104 36 76 of of ADP gp-104 36 77 banks bank NOUN gp-104 36 78 because because SCONJ gp-104 36 79 banks bank NOUN gp-104 36 80 will will AUX gp-104 36 81 continue continue VERB gp-104 36 82 to to PART gp-104 36 83 innovate innovate VERB gp-104 36 84 to to PART gp-104 36 85 maintain maintain VERB gp-104 36 86 their their PRON gp-104 36 87 market market NOUN gp-104 36 88 strength strength NOUN gp-104 36 89 ( ( PUNCT gp-104 36 90 sanderson sanderson PROPN gp-104 36 91 et et PROPN gp-104 36 92 al al PROPN gp-104 36 93 . . PROPN gp-104 36 94 , , PUNCT gp-104 36 95 2019)and 2019)and NUM gp-104 36 96 ( ( PUNCT gp-104 36 97 takahashi takahashi PROPN gp-104 36 98 & & CCONJ gp-104 36 99 vasconcelos vasconcelos PROPN gp-104 36 100 , , PUNCT gp-104 36 101 2024 2024 NUM gp-104 36 102 ) ) PUNCT gp-104 36 103 . . PUNCT gp-104 37 1 maudy maudy ADJ gp-104 37 2 , , PUNCT gp-104 37 3 isni isni PROPN gp-104 37 4 andriana andriana PROPN gp-104 37 5 , , PUNCT gp-104 37 6 mu’izzuddin mu’izzuddin PROPN gp-104 37 7 , , PUNCT gp-104 37 8 marlina marlina PROPN gp-104 37 9 widiyanti widiyanti PROPN gp-104 37 10 197 197 NUM gp-104 37 11 based base VERB gp-104 37 12 on on ADP gp-104 37 13 existing exist VERB gp-104 37 14 research research NOUN gp-104 37 15 related relate VERB gp-104 37 16 to to ADP gp-104 37 17 the the DET gp-104 37 18 influence influence NOUN gp-104 37 19 of of ADP gp-104 37 20 competition competition NOUN gp-104 37 21 and and CCONJ gp-104 37 22 bank bank NOUN gp-104 37 23 size size NOUN gp-104 37 24 on on ADP gp-104 37 25 stability stability NOUN gp-104 37 26 , , PUNCT gp-104 37 27 we we PRON gp-104 37 28 have have AUX gp-104 37 29 not not PART gp-104 37 30 reached reach VERB gp-104 37 31 a a DET gp-104 37 32 consistent consistent ADJ gp-104 37 33 conclusion conclusion NOUN gp-104 37 34 , , PUNCT gp-104 37 35 possibly possibly ADV gp-104 37 36 due due ADP gp-104 37 37 to to ADP gp-104 37 38 differences difference NOUN gp-104 37 39 in in ADP gp-104 37 40 region region NOUN gp-104 37 41 and and CCONJ gp-104 37 42 sample sample NOUN gp-104 37 43 period period NOUN gp-104 37 44 . . PUNCT gp-104 38 1 therefore therefore ADV gp-104 38 2 , , PUNCT gp-104 38 3 the the DET gp-104 38 4 researcher researcher NOUN gp-104 38 5 is be AUX gp-104 38 6 interested interested ADJ gp-104 38 7 in in ADP gp-104 38 8 continuing continue VERB gp-104 38 9 and and CCONJ gp-104 38 10 testing test VERB gp-104 38 11 existing exist VERB gp-104 38 12 research research NOUN gp-104 38 13 and and CCONJ gp-104 38 14 will will AUX gp-104 38 15 specifically specifically ADV gp-104 38 16 analyze analyze VERB gp-104 38 17 the the DET gp-104 38 18 mechanism mechanism NOUN gp-104 38 19 of of ADP gp-104 38 20 the the DET gp-104 38 21 influence influence NOUN gp-104 38 22 of of ADP gp-104 38 23 competition competition NOUN gp-104 38 24 and and CCONJ gp-104 38 25 bank bank NOUN gp-104 38 26 size size NOUN gp-104 38 27 on on ADP gp-104 38 28 bank bank NOUN gp-104 38 29 stability stability NOUN gp-104 38 30 using use VERB gp-104 38 31 data datum NOUN gp-104 38 32 from from ADP gp-104 38 33 the the DET gp-104 38 34 asean-5 asean-5 NUM gp-104 38 35 banking banking NOUN gp-104 38 36 industry industry NOUN gp-104 38 37 for for ADP gp-104 38 38 the the DET gp-104 38 39 2013 2013 NUM gp-104 38 40 - - SYM gp-104 38 41 2023 2023 NUM gp-104 38 42 period period NOUN gp-104 38 43 . . PUNCT gp-104 39 1 therefore therefore ADV gp-104 39 2 , , PUNCT gp-104 39 3 this this DET gp-104 39 4 study study NOUN gp-104 39 5 was be AUX gp-104 39 6 compiled compile VERB gp-104 39 7 with with ADP gp-104 39 8 the the DET gp-104 39 9 title title NOUN gp-104 39 10 " " PUNCT gp-104 39 11 the the DET gp-104 39 12 influence influence NOUN gp-104 39 13 of of ADP gp-104 39 14 competition competition NOUN gp-104 39 15 and and CCONJ gp-104 39 16 bank bank NOUN gp-104 39 17 size size NOUN gp-104 39 18 on on ADP gp-104 39 19 bank bank NOUN gp-104 39 20 stability stability NOUN gp-104 39 21 in in ADP gp-104 39 22 asean-5 asean-5 NUM gp-104 39 23 countries country NOUN gp-104 39 24 " " PUNCT gp-104 39 25 . . PUNCT gp-104 40 1 research research NOUN gp-104 40 2 methods method NOUN gp-104 40 3 this this DET gp-104 40 4 study study NOUN gp-104 40 5 focuses focus VERB gp-104 40 6 on on ADP gp-104 40 7 the the DET gp-104 40 8 variables variable NOUN gp-104 40 9 of of ADP gp-104 40 10 competition competition NOUN gp-104 40 11 and and CCONJ gp-104 40 12 bank bank NOUN gp-104 40 13 size size NOUN gp-104 40 14 on on ADP gp-104 40 15 bank bank NOUN gp-104 40 16 stability stability NOUN gp-104 40 17 . . PUNCT gp-104 41 1 competition competition NOUN gp-104 41 2 is be AUX gp-104 41 3 measured measure VERB gp-104 41 4 by by ADP gp-104 41 5 the the DET gp-104 41 6 lerner lerner PROPN gp-104 41 7 index index PROPN gp-104 41 8 , , PUNCT gp-104 41 9 the the DET gp-104 41 10 size size NOUN gp-104 41 11 of of ADP gp-104 41 12 the the DET gp-104 41 13 bank bank NOUN gp-104 41 14 is be AUX gp-104 41 15 measured measure VERB gp-104 41 16 from from ADP gp-104 41 17 the the DET gp-104 41 18 natural natural ADJ gp-104 41 19 logarithm logarithm NOUN gp-104 41 20 of of ADP gp-104 41 21 total total ADJ gp-104 41 22 assets asset NOUN gp-104 41 23 and and CCONJ gp-104 41 24 stability stability NOUN gp-104 41 25 is be AUX gp-104 41 26 measured measure VERB gp-104 41 27 by by ADP gp-104 41 28 z z NOUN gp-104 41 29 - - PUNCT gp-104 41 30 score score NOUN gp-104 41 31 and and CCONJ gp-104 41 32 npl npl NOUN gp-104 41 33 . . PUNCT gp-104 42 1 the the DET gp-104 42 2 object object NOUN gp-104 42 3 of of ADP gp-104 42 4 this this DET gp-104 42 5 study study NOUN gp-104 42 6 is be AUX gp-104 42 7 to to PART gp-104 42 8 observe observe VERB gp-104 42 9 banks bank NOUN gp-104 42 10 in in ADP gp-104 42 11 asean-5 asean-5 NUM gp-104 42 12 countries country NOUN gp-104 42 13 for for ADP gp-104 42 14 the the DET gp-104 42 15 period period NOUN gp-104 42 16 2013 2013 NUM gp-104 42 17 to to ADP gp-104 42 18 2023 2023 NUM gp-104 42 19 . . PUNCT gp-104 43 1 data datum NOUN gp-104 43 2 collection collection NOUN gp-104 43 3 techniques technique NOUN gp-104 43 4 through through ADP gp-104 43 5 archival archival NOUN gp-104 43 6 data datum NOUN gp-104 43 7 analysis analysis NOUN gp-104 43 8 . . PUNCT gp-104 44 1 this this DET gp-104 44 2 study study NOUN gp-104 44 3 uses use VERB gp-104 44 4 a a DET gp-104 44 5 descriptive descriptive ADJ gp-104 44 6 quantitative quantitative ADJ gp-104 44 7 approach approach NOUN gp-104 44 8 . . PUNCT gp-104 45 1 the the DET gp-104 45 2 data data NOUN gp-104 45 3 source source NOUN gp-104 45 4 in in ADP gp-104 45 5 this this DET gp-104 45 6 study study NOUN gp-104 45 7 is be AUX gp-104 45 8 a a DET gp-104 45 9 dataset dataset NOUN gp-104 45 10 obtained obtain VERB gp-104 45 11 from from ADP gp-104 45 12 moody moody PROPN gp-104 45 13 's 's PART gp-104 45 14 analytics analytic NOUN gp-104 45 15 bank bank NOUN gp-104 45 16 focus focus VERB gp-104 45 17 . . PUNCT gp-104 46 1 the the DET gp-104 46 2 sampling sample VERB gp-104 46 3 technique technique NOUN gp-104 46 4 uses use VERB gp-104 46 5 the the DET gp-104 46 6 purposive purposive ADJ gp-104 46 7 sampling sampling NOUN gp-104 46 8 method method NOUN gp-104 46 9 consisting consist VERB gp-104 46 10 of of ADP gp-104 46 11 133 133 NUM gp-104 46 12 commercial commercial ADJ gp-104 46 13 banks bank NOUN gp-104 46 14 in in ADP gp-104 46 15 asean-5 asean-5 PROPN gp-104 46 16 . . PUNCT gp-104 47 1 panel panel NOUN gp-104 47 2 data data VERB gp-104 47 3 analysis analysis NOUN gp-104 47 4 techniques technique NOUN gp-104 47 5 were be AUX gp-104 47 6 used use VERB gp-104 47 7 in in ADP gp-104 47 8 this this DET gp-104 47 9 research research NOUN gp-104 47 10 . . PUNCT gp-104 48 1 the the DET gp-104 48 2 calculation calculation NOUN gp-104 48 3 of of ADP gp-104 48 4 the the DET gp-104 48 5 panel panel NOUN gp-104 48 6 data datum NOUN gp-104 48 7 model model NOUN gp-104 48 8 in in ADP gp-104 48 9 this this DET gp-104 48 10 study study NOUN gp-104 48 11 uses use VERB gp-104 48 12 approaches approach NOUN gp-104 48 13 such such ADJ gp-104 48 14 as as ADP gp-104 48 15 the the DET gp-104 48 16 fixed fixed ADJ gp-104 48 17 effect effect NOUN gp-104 48 18 model model NOUN gp-104 48 19 ( ( PUNCT gp-104 48 20 fem fem PROPN gp-104 48 21 ) ) PUNCT gp-104 48 22 , , PUNCT gp-104 48 23 random random ADJ gp-104 48 24 effect effect NOUN gp-104 48 25 model model NOUN gp-104 48 26 ( ( PUNCT gp-104 48 27 rem rem NOUN gp-104 48 28 ) ) PUNCT gp-104 48 29 and and CCONJ gp-104 48 30 generalized generalize VERB gp-104 48 31 least least ADJ gp-104 48 32 squares square NOUN gp-104 48 33 ( ( PUNCT gp-104 48 34 gls gls PROPN gp-104 48 35 ) ) PUNCT gp-104 48 36 ( ( PUNCT gp-104 48 37 adusei adusei ADJ gp-104 48 38 , , PUNCT gp-104 48 39 2019 2019 NUM gp-104 48 40 ; ; PUNCT gp-104 48 41 ijaz ijaz PROPN gp-104 48 42 et et PROPN gp-104 48 43 al al PROPN gp-104 48 44 . . PROPN gp-104 48 45 , , PUNCT gp-104 48 46 2020 2020 NUM gp-104 48 47 ; ; PUNCT gp-104 48 48 q. q. PROPN gp-104 48 49 k. k. PROPN gp-104 48 50 nguyen nguyen PROPN gp-104 48 51 & & CCONJ gp-104 48 52 dang dang PROPN gp-104 48 53 , , PUNCT gp-104 48 54 2022 2022 NUM gp-104 48 55 ) ) PUNCT gp-104 48 56 ; ; PUNCT gp-104 48 57 ( ( PUNCT gp-104 48 58 anggraini anggraini NOUN gp-104 48 59 et et PROPN gp-104 48 60 al al PROPN gp-104 48 61 . . PROPN gp-104 48 62 , , PUNCT gp-104 48 63 2023 2023 NUM gp-104 48 64 ; ; PUNCT gp-104 48 65 muizzuddin muizzuddin VERB gp-104 48 66 et et PROPN gp-104 48 67 al al PROPN gp-104 48 68 . . PROPN gp-104 48 69 , , PUNCT gp-104 48 70 2021 2021 NUM gp-104 48 71 ) ) PUNCT gp-104 48 72 . . PUNCT gp-104 49 1 the the DET gp-104 49 2 regression regression NOUN gp-104 49 3 model model NOUN gp-104 49 4 of of ADP gp-104 49 5 panel panel NOUN gp-104 49 6 data datum NOUN gp-104 49 7 in in ADP gp-104 49 8 this this DET gp-104 49 9 study study NOUN gp-104 49 10 is be AUX gp-104 49 11 as as SCONJ gp-104 49 12 follows follow VERB gp-104 49 13 : : PUNCT gp-104 49 14 stabit stabit NOUN gp-104 49 15 = = PUNCT gp-104 50 1 + + ADJ gp-104 50 2 + + NUM gp-104 50 3 πœΆπœ·πŸπ‘°π‘³π’Šπ’•πœ·πŸπ‘Ίπ‘°π’π‘¬π’Šπ’• πœΆπœ·πŸπ‘°π‘³π’Šπ’•πœ·πŸπ‘Ίπ‘°π’π‘¬π’Šπ’• ADJ gp-104 50 4 + + NUM gp-104 50 5 Ι›π’Šπ’• Ι›π’Šπ’• NOUN gp-104 50 6 𝛽1𝐼𝐿𝑖𝑑 𝛽1𝐼𝐿𝑖𝑑 PROPN gp-104 50 7 shows show VERB gp-104 50 8 the the DET gp-104 50 9 competition competition NOUN gp-104 50 10 measured measure VERB gp-104 50 11 by by ADP gp-104 50 12 the the DET gp-104 50 13 value value NOUN gp-104 50 14 of of ADP gp-104 50 15 the the DET gp-104 50 16 bank bank NOUN gp-104 50 17 lerrner lerrner PROPN gp-104 50 18 index index NOUN gp-104 50 19 at at ADP gp-104 50 20 bank bank PROPN gp-104 50 21 s s PROPN gp-104 50 22 at at ADP gp-104 50 23 time time NOUN gp-104 50 24 t t PROPN gp-104 50 25 , , PUNCT gp-104 50 26 to to PART gp-104 50 27 measure measure VERB gp-104 50 28 the the DET gp-104 50 29 size size NOUN gp-104 50 30 of of ADP gp-104 50 31 the the DET gp-104 50 32 bank bank NOUN gp-104 50 33 proxied proxie VERB gp-104 50 34 by by ADP gp-104 50 35 the the DET gp-104 50 36 size size NOUN gp-104 50 37 of of ADP gp-104 50 38 bank bank NOUN gp-104 50 39 s s PROPN gp-104 50 40 at at ADP gp-104 50 41 time time NOUN gp-104 50 42 t t PROPN gp-104 50 43 , , PUNCT gp-104 50 44 and and CCONJ gp-104 50 45 Ι›it Ι›it NOUN gp-104 50 46 is be AUX gp-104 50 47 the the DET gp-104 50 48 standard standard ADJ gp-104 50 49 or or CCONJ gp-104 50 50 residual residual ADJ gp-104 50 51 error error NOUN gp-104 50 52 . . PUNCT gp-104 51 1 𝛽2𝑆𝑖𝑧𝑒𝑖𝑑 𝛽2𝑆𝑖𝑧𝑒𝑖𝑑 ADJ gp-104 51 2 table table NOUN gp-104 51 3 2 2 NUM gp-104 51 4 . . PUNCT gp-104 51 5 variable variable ADJ gp-104 51 6 operational operational ADJ gp-104 51 7 definition definition NOUN gp-104 51 8 variable variable ADJ gp-104 51 9 definition definition NOUN gp-104 51 10 formula formula NOUN gp-104 51 11 dependent dependent ADJ gp-104 51 12 variables variable NOUN gp-104 51 13 z z NOUN gp-104 51 14 - - PUNCT gp-104 51 15 score score NOUN gp-104 51 16 financial financial ADJ gp-104 51 17 indicators indicator NOUN gp-104 51 18 of of ADP gp-104 51 19 a a DET gp-104 51 20 banking banking NOUN gp-104 51 21 health health NOUN gp-104 51 22 institution institution NOUN gp-104 51 23 , , PUNCT gp-104 51 24 which which PRON gp-104 51 25 are be AUX gp-104 51 26 calculated calculate VERB gp-104 51 27 as as ADP gp-104 51 28 the the DET gp-104 51 29 sum sum NOUN gp-104 51 30 of of ADP gp-104 51 31 return return NOUN gp-104 51 32 on on ADP gp-104 51 33 assets asset NOUN gp-104 51 34 ( ( PUNCT gp-104 51 35 roa roa NOUN gp-104 51 36 ) ) PUNCT gp-104 51 37 and and CCONJ gp-104 51 38 the the DET gp-104 51 39 ratio ratio NOUN gp-104 51 40 of of ADP gp-104 51 41 capital capital NOUN gp-104 51 42 to to ADP gp-104 51 43 assets asset NOUN gp-104 51 44 , , PUNCT gp-104 51 45 then then ADV gp-104 51 46 divided divide VERB gp-104 51 47 by by ADP gp-104 51 48 the the DET gp-104 51 49 standard standard ADJ gp-104 51 50 deviation deviation NOUN gp-104 51 51 of of ADP gp-104 51 52 roa roa PROPN gp-104 51 53 ( ( PUNCT gp-104 51 54 erward erward PROPN gp-104 51 55 , , PUNCT gp-104 51 56 1968 1968 NUM gp-104 51 57 ) ) PUNCT gp-104 51 58 zscoreit zscoreit NOUN gp-104 51 59 = = PUNCT gp-104 51 60 𝑅𝑂𝐴𝑖𝑑 𝑅𝑂𝐴𝑖𝑑 PUNCT gp-104 51 61 + + PUNCT gp-104 51 62 𝐸𝑄𝑇𝐴𝑖𝑑 𝐸𝑄𝑇𝐴𝑖𝑑 NOUN gp-104 51 63 πœŽπ‘…π‘‚π΄π‘–π‘‘ πœŽπ‘…π‘‚π΄π‘–π‘‘ NUM gp-104 51 64 npl npl NOUN gp-104 51 65 the the DET gp-104 51 66 ratio ratio NOUN gp-104 51 67 is be AUX gp-104 51 68 used use VERB gp-104 51 69 to to PART gp-104 51 70 measure measure VERB gp-104 51 71 the the DET gp-104 51 72 ability ability NOUN gp-104 51 73 of of ADP gp-104 51 74 banks bank NOUN gp-104 51 75 to to PART gp-104 51 76 protect protect VERB gp-104 51 77 the the DET gp-104 51 78 risk risk NOUN gp-104 51 79 of of ADP gp-104 51 80 default default NOUN gp-104 51 81 of of ADP gp-104 51 82 credit credit NOUN gp-104 51 83 repayment repayment NOUN gp-104 51 84 by by ADP gp-104 51 85 debtors debtor NOUN gp-104 51 86 ( ( PUNCT gp-104 51 87 kasmir kasmir PROPN gp-104 51 88 , , PUNCT gp-104 51 89 2016 2016 NUM gp-104 51 90 ) ) PUNCT gp-104 51 91 𝑁𝑃𝐿 𝑁𝑃𝐿 PROPN gp-104 51 92 = = SYM gp-104 51 93 kredit kredit PROPN gp-104 51 94 bermasalah bermasalah PROPN gp-104 51 95 total total PROPN gp-104 51 96 kredit kredit PROPN gp-104 51 97 Γ— Γ— PROPN gp-104 51 98 100 100 NUM gp-104 51 99 % % NOUN gp-104 51 100 independent independent ADJ gp-104 51 101 variables variable NOUN gp-104 51 102 american american PROPN gp-104 51 103 journal journal PROPN gp-104 51 104 of of ADP gp-104 51 105 economic economic ADJ gp-104 51 106 and and CCONJ gp-104 51 107 management management NOUN gp-104 51 108 business business NOUN gp-104 51 109 vol vol NOUN gp-104 51 110 . . PROPN gp-104 52 1 3 3 NUM gp-104 52 2 no no NOUN gp-104 52 3 . . NOUN gp-104 52 4 7 7 NUM gp-104 52 5 july july PROPN gp-104 52 6 2024 2024 NUM gp-104 52 7 198 198 NUM gp-104 52 8 variable variable ADJ gp-104 52 9 definition definition NOUN gp-104 52 10 formula formula NOUN gp-104 52 11 lerner lerner PROPN gp-104 52 12 index index PROPN gp-104 52 13 non non ADJ gp-104 52 14 - - ADJ gp-104 52 15 structural structural ADJ gp-104 52 16 measures measure NOUN gp-104 52 17 to to PART gp-104 52 18 estimate estimate VERB gp-104 52 19 the the DET gp-104 52 20 level level NOUN gp-104 52 21 of of ADP gp-104 52 22 banking banking NOUN gp-104 52 23 competition competition NOUN gp-104 52 24 ( ( PUNCT gp-104 52 25 weill weill ADV gp-104 52 26 , , PUNCT gp-104 52 27 2011 2011 NUM gp-104 52 28 ) ) PUNCT gp-104 52 29 . . PUNCT gp-104 53 1 lernerit lernerit NOUN gp-104 54 1 = = SYM gp-104 54 2 𝑃𝑠𝑑 𝑃𝑠𝑑 PROPN gp-104 54 3 βˆ’ βˆ’ PROPN gp-104 55 1 𝑀𝐢𝑠𝑑 𝑀𝐢𝑠𝑑 PROPN gp-104 55 2 𝑃𝑠𝑑 𝑃𝑠𝑑 PROPN gp-104 55 3 bank bank PROPN gp-104 55 4 size size VERB gp-104 55 5 the the DET gp-104 55 6 bank bank NOUN gp-104 55 7 's 's PART gp-104 55 8 ability ability NOUN gp-104 55 9 to to PART gp-104 55 10 distribute distribute VERB gp-104 55 11 funds fund NOUN gp-104 55 12 is be AUX gp-104 55 13 seen see VERB gp-104 55 14 in in ADP gp-104 55 15 terms term NOUN gp-104 55 16 of of ADP gp-104 55 17 assets asset NOUN gp-104 55 18 owned own VERB gp-104 55 19 ( ( PUNCT gp-104 55 20 world world PROPN gp-104 55 21 bank bank PROPN gp-104 55 22 , , PUNCT gp-104 55 23 2020 2020 NUM gp-104 55 24 ) ) PUNCT gp-104 56 1 𝐿𝑛 𝐿𝑛 PROPN gp-104 56 2 ( ( PUNCT gp-104 56 3 π‘‡π‘œπ‘‘π‘Žπ‘™ π‘‡π‘œπ‘‘π‘Žπ‘™ PROPN gp-104 56 4 𝐴𝑠𝑠𝑒𝑑 𝐴𝑠𝑠𝑒𝑑 PROPN gp-104 56 5 π΅π‘Žπ‘›π‘˜ π΅π‘Žπ‘›π‘˜ PROPN gp-104 56 6 ) ) PUNCT gp-104 56 7 result result NOUN gp-104 56 8 and and CCONJ gp-104 56 9 discussion discussion NOUN gp-104 56 10 descriptive descriptive ADJ gp-104 56 11 statistics statistic NOUN gp-104 56 12 table table NOUN gp-104 56 13 3 3 NUM gp-104 56 14 . . PUNCT gp-104 56 15 descriptive descriptive ADJ gp-104 56 16 statistics statistic NOUN gp-104 56 17 variable variable ADJ gp-104 56 18 obs obs PROPN gp-104 56 19 average average ADJ gp-104 56 20 std std PROPN gp-104 56 21 . . PUNCT gp-104 57 1 dev dev PROPN gp-104 57 2 . . PUNCT gp-104 57 3 min min PROPN gp-104 57 4 . . PROPN gp-104 57 5 max max PROPN gp-104 57 6 . . PUNCT gp-104 58 1 dependent dependent ADJ gp-104 58 2 variables variable NOUN gp-104 58 3 z z NOUN gp-104 58 4 - - PUNCT gp-104 58 5 score score NOUN gp-104 58 6 10,58 10,58 PROPN gp-104 58 7 2,232 2,232 NUM gp-104 58 8 .487 .487 NUM gp-104 58 9 -0,06 -0,06 PROPN gp-104 58 10 4,007 4,007 NUM gp-104 58 11 npl npl PROPN gp-104 58 12 10,58 10,58 NUM gp-104 58 13 3,445 3,445 NUM gp-104 58 14 5,118 5,118 NUM gp-104 58 15 0 0 NUM gp-104 58 16 68,841 68,841 NUM gp-104 58 17 independent independent ADJ gp-104 58 18 variables variable NOUN gp-104 58 19 lerner lerner PROPN gp-104 58 20 10,58 10,58 PROPN gp-104 58 21 0,291 0,291 NUM gp-104 58 22 0,178 0,178 NUM gp-104 58 23 -.38 -.38 SYM gp-104 58 24 0,616 0,616 NUM gp-104 58 25 size size NOUN gp-104 58 26 10,58 10,58 NUM gp-104 58 27 68,217 68,217 NUM gp-104 58 28 269,117 269,117 NUM gp-104 58 29 15,843 15,843 NUM gp-104 58 30 8,756.463 8,756.463 NUM gp-104 58 31 source source NOUN gp-104 58 32 : : PUNCT gp-104 58 33 stata-17 stata-17 NOUN gp-104 58 34 data data NOUN gp-104 58 35 processing processing NOUN gp-104 58 36 results result NOUN gp-104 58 37 table table VERB gp-104 58 38 3 3 NUM gp-104 58 39 presents present VERB gp-104 58 40 descriptive descriptive ADJ gp-104 58 41 statistics statistic NOUN gp-104 58 42 , , PUNCT gp-104 58 43 including include VERB gp-104 58 44 the the DET gp-104 58 45 number number NOUN gp-104 58 46 of of ADP gp-104 58 47 observations observation NOUN gp-104 58 48 , , PUNCT gp-104 58 49 average average ADJ gp-104 58 50 values value NOUN gp-104 58 51 , , PUNCT gp-104 58 52 standard standard ADJ gp-104 58 53 deviations deviation NOUN gp-104 58 54 , , PUNCT gp-104 58 55 minimums minimum NOUN gp-104 58 56 and and CCONJ gp-104 58 57 maximums maximum NOUN gp-104 58 58 of of ADP gp-104 58 59 all all DET gp-104 58 60 research research NOUN gp-104 58 61 variables variable NOUN gp-104 58 62 . . PUNCT gp-104 59 1 the the DET gp-104 59 2 competition competition NOUN gp-104 59 3 that that PRON gp-104 59 4 was be AUX gp-104 59 5 proxied proxie VERB gp-104 59 6 with with ADP gp-104 59 7 lerner lerner PROPN gp-104 59 8 showed show VERB gp-104 59 9 a a DET gp-104 59 10 value value NOUN gp-104 59 11 of of ADP gp-104 59 12 0.291 0.291 NUM gp-104 59 13 , , PUNCT gp-104 59 14 size size NOUN gp-104 59 15 showed show VERB gp-104 59 16 an an DET gp-104 59 17 average average ADJ gp-104 59 18 value value NOUN gp-104 59 19 of of ADP gp-104 59 20 68.217 68.217 NUM gp-104 59 21 , , PUNCT gp-104 59 22 while while SCONJ gp-104 59 23 bank bank NOUN gp-104 59 24 stability stability NOUN gp-104 59 25 measured measure VERB gp-104 59 26 by by ADP gp-104 59 27 z z NOUN gp-104 59 28 - - PUNCT gp-104 59 29 score score NOUN gp-104 59 30 and and CCONJ gp-104 59 31 npl npl PROPN gp-104 59 32 showed show VERB gp-104 59 33 a a DET gp-104 59 34 value value NOUN gp-104 59 35 of of ADP gp-104 59 36 2.232 2.232 NUM gp-104 59 37 and and CCONJ gp-104 59 38 3.445 3.445 NUM gp-104 59 39 , , PUNCT gp-104 59 40 respectively respectively ADV gp-104 59 41 . . PUNCT gp-104 60 1 the the PRON gp-104 60 2 higher high ADJ gp-104 60 3 the the DET gp-104 60 4 variable variable ADJ gp-104 60 5 value value NOUN gp-104 60 6 indicates indicate VERB gp-104 60 7 the the DET gp-104 60 8 lower low ADJ gp-104 60 9 a a DET gp-104 60 10 bank bank NOUN gp-104 60 11 faces face VERB gp-104 60 12 financial financial ADJ gp-104 60 13 distress distress NOUN gp-104 60 14 ( ( PUNCT gp-104 60 15 muizzuddin muizzuddin VERB gp-104 60 16 et et NOUN gp-104 60 17 al al PROPN gp-104 60 18 . . PROPN gp-104 60 19 , , PUNCT gp-104 60 20 2021 2021 NUM gp-104 60 21 ) ) PUNCT gp-104 60 22 . . PUNCT gp-104 61 1 however however ADV gp-104 61 2 , , PUNCT gp-104 61 3 a a DET gp-104 61 4 minimum minimum ADJ gp-104 61 5 value value NOUN gp-104 61 6 of of ADP gp-104 61 7 -0.06 -0.06 NUM gp-104 61 8 indicates indicate VERB gp-104 61 9 that that SCONJ gp-104 61 10 some some DET gp-104 61 11 banks bank NOUN gp-104 61 12 are be AUX gp-104 61 13 vulnerable vulnerable ADJ gp-104 61 14 to to ADP gp-104 61 15 financial financial ADJ gp-104 61 16 distress distress NOUN gp-104 61 17 ( ( PUNCT gp-104 61 18 risfandy risfandy NOUN gp-104 61 19 et et PROPN gp-104 61 20 al al PROPN gp-104 61 21 . . PROPN gp-104 61 22 , , PUNCT gp-104 61 23 2022 2022 NUM gp-104 61 24 ) ) PUNCT gp-104 61 25 . . PUNCT gp-104 62 1 the the DET gp-104 62 2 average average ADJ gp-104 62 3 , , PUNCT gp-104 62 4 minimum minimum ADJ gp-104 62 5 and and CCONJ gp-104 62 6 maximum maximum ADJ gp-104 62 7 values value NOUN gp-104 62 8 of of ADP gp-104 62 9 each each DET gp-104 62 10 variable variable NOUN gp-104 62 11 in in ADP gp-104 62 12 each each DET gp-104 62 13 country country NOUN gp-104 62 14 can can AUX gp-104 62 15 be be AUX gp-104 62 16 explained explain VERB gp-104 62 17 in in ADP gp-104 62 18 ( ( PUNCT gp-104 62 19 table table NOUN gp-104 62 20 4 4 NUM gp-104 62 21 , , PUNCT gp-104 62 22 table table NOUN gp-104 62 23 5 5 NUM gp-104 62 24 and and CCONJ gp-104 62 25 table table NOUN gp-104 62 26 6 6 NUM gp-104 62 27 ) ) PUNCT gp-104 62 28 . . PUNCT gp-104 63 1 table table NOUN gp-104 63 2 4 4 NUM gp-104 63 3 . . PUNCT gp-104 64 1 the the DET gp-104 64 2 average average ADJ gp-104 64 3 value value NOUN gp-104 64 4 of of ADP gp-104 64 5 variables variable NOUN gp-104 64 6 in in ADP gp-104 64 7 each each DET gp-104 64 8 country country NOUN gp-104 64 9 country country NOUN gp-104 64 10 zscore zscore PROPN gp-104 64 11 npl npl PROPN gp-104 64 12 lerne lerne PROPN gp-104 64 13 r r NOUN gp-104 64 14 size size NOUN gp-104 64 15 indonesia indonesia PROPN gp-104 64 16 n n PROPN gp-104 64 17 2,292 2,292 NUM gp-104 64 18 4,046 4,046 NUM gp-104 64 19 0,234 0,234 NUM gp-104 64 20 14,393 14,393 NUM gp-104 64 21 malaysia malaysia NOUN gp-104 64 22 2,151 2,151 NUM gp-104 64 23 2,249 2,249 NUM gp-104 64 24 0,350 0,350 NUM gp-104 64 25 16,072 16,072 NUM gp-104 64 26 philippin philippin NOUN gp-104 64 27 es es ADP gp-104 64 28 2,106 2,106 NUM gp-104 64 29 3,844 3,844 NUM gp-104 64 30 0,323 0,323 NUM gp-104 64 31 15,417 15,417 NUM gp-104 64 32 singapor singapor NOUN gp-104 64 33 e e SYM gp-104 64 34 1,528 1,528 NUM gp-104 64 35 0 0 NUM gp-104 64 36 , , PUNCT gp-104 64 37 678 678 NUM gp-104 64 38 0,405 0,405 NUM gp-104 64 39 17,79 17,79 NUM gp-104 64 40 thailand thailand PROPN gp-104 64 41 2,299 2,299 NUM gp-104 64 42 2,869 2,869 NUM gp-104 64 43 0,387 0,387 NUM gp-104 64 44 16,106 16,106 NUM gp-104 64 45 maudy maudy NOUN gp-104 64 46 , , PUNCT gp-104 64 47 isni isni PROPN gp-104 64 48 andriana andriana PROPN gp-104 64 49 , , PUNCT gp-104 64 50 mu’izzuddin mu’izzuddin PROPN gp-104 64 51 , , PUNCT gp-104 64 52 marlina marlina PROPN gp-104 64 53 widiyanti widiyanti PROPN gp-104 64 54 199 199 NUM gp-104 64 55 source source NOUN gp-104 64 56 : : PUNCT gp-104 64 57 stata-17 stata-17 NOUN gp-104 64 58 data data NOUN gp-104 64 59 processing processing NOUN gp-104 64 60 results result NOUN gp-104 64 61 table table VERB gp-104 64 62 5 5 NUM gp-104 64 63 . . PUNCT gp-104 64 64 maximum maximum ADJ gp-104 64 65 value value NOUN gp-104 64 66 of of ADP gp-104 64 67 variables variable NOUN gp-104 64 68 in in ADP gp-104 64 69 each each DET gp-104 64 70 country country NOUN gp-104 64 71 country country NOUN gp-104 64 72 zscore zscore PROPN gp-104 64 73 npl npl PROPN gp-104 64 74 lerne lerne PROPN gp-104 64 75 r r NOUN gp-104 64 76 size size NOUN gp-104 64 77 indonesia indonesia PROPN gp-104 64 78 n n PROPN gp-104 64 79 4,049 4,049 NUM gp-104 64 80 68,731 68,731 NUM gp-104 64 81 0,616 0,616 NUM gp-104 64 82 18,595 18,595 NUM gp-104 64 83 malaysia malaysia NOUN gp-104 64 84 4,007 4,007 NUM gp-104 64 85 34,89 34,89 NUM gp-104 64 86 0,616 0,616 NUM gp-104 64 87 18,679 18,679 NUM gp-104 64 88 philippine philippine PROPN gp-104 64 89 s s PART gp-104 64 90 3,145 3,145 NUM gp-104 64 91 31,78 31,78 NUM gp-104 64 92 0,615 0,615 NUM gp-104 64 93 18,156 18,156 NUM gp-104 64 94 singapore singapore PROPN gp-104 64 95 2,051 2,051 NUM gp-104 64 96 1,66 1,66 NUM gp-104 64 97 0,616 0,616 NUM gp-104 64 98 19,618 19,618 NUM gp-104 64 99 thailand thailand PROPN gp-104 64 100 4,092 4,092 NUM gp-104 64 101 25,525 25,525 NUM gp-104 64 102 0,616 0,616 NUM gp-104 64 103 18,559 18,559 NUM gp-104 64 104 source source NOUN gp-104 64 105 : : PUNCT gp-104 64 106 stata-17 stata-17 X gp-104 64 107 data data NOUN gp-104 64 108 processing processing NOUN gp-104 64 109 results result NOUN gp-104 64 110 table table VERB gp-104 64 111 6 6 NUM gp-104 64 112 . . PUNCT gp-104 65 1 variable variable ADJ gp-104 65 2 minimum minimum ADJ gp-104 65 3 values value NOUN gp-104 65 4 in in ADP gp-104 65 5 each each DET gp-104 65 6 country country NOUN gp-104 65 7 source source NOUN gp-104 65 8 : : PUNCT gp-104 65 9 stata-17 stata-17 NOUN gp-104 65 10 data data NOUN gp-104 65 11 processing processing NOUN gp-104 65 12 results result VERB gp-104 65 13 multicollinearity multicollinearity NOUN gp-104 65 14 test test NOUN gp-104 65 15 table table NOUN gp-104 65 16 7 7 NUM gp-104 65 17 . . PUNCT gp-104 65 18 paired pair VERB gp-104 65 19 correlation correlation NOUN gp-104 65 20 matrix matrix NOUN gp-104 65 21 variable variable NOUN gp-104 65 22 ( ( PUNCT gp-104 65 23 1 1 NUM gp-104 65 24 ) ) PUNCT gp-104 65 25 ( ( PUNCT gp-104 65 26 2 2 NUM gp-104 65 27 ) ) PUNCT gp-104 65 28 ( ( PUNCT gp-104 65 29 3 3 X gp-104 65 30 ) ) PUNCT gp-104 65 31 ( ( PUNCT gp-104 65 32 4 4 NUM gp-104 65 33 ) ) PUNCT gp-104 65 34 ( ( PUNCT gp-104 65 35 1 1 X gp-104 65 36 ) ) PUNCT gp-104 65 37 zscore zscore NOUN gp-104 65 38 1,000 1,000 NUM gp-104 65 39 ( ( PUNCT gp-104 65 40 2 2 NUM gp-104 65 41 ) ) PUNCT gp-104 65 42 npl npl NOUN gp-104 65 43 0,058 0,058 NUM gp-104 65 44 1,000 1,000 NUM gp-104 65 45 ( ( PUNCT gp-104 65 46 3 3 NUM gp-104 65 47 ) ) PUNCT gp-104 66 1 lerner lerner PROPN gp-104 66 2 -0,053 -0,053 PROPN gp-104 66 3 -0,085 -0,085 PROPN gp-104 66 4 * * PROPN gp-104 66 5 1,000 1,000 NUM gp-104 66 6 ( ( PUNCT gp-104 66 7 4 4 NUM gp-104 66 8 ) ) PUNCT gp-104 66 9 size size NOUN gp-104 66 10 -0,480 -0,480 PROPN gp-104 66 11 * * PROPN gp-104 66 12 -0,160 -0,160 NOUN gp-104 66 13 * * X gp-104 66 14 0,607 0,607 NUM gp-104 66 15 * * SYM gp-104 66 16 1.000 1.000 NUM gp-104 66 17 source source NOUN gp-104 66 18 : : PUNCT gp-104 66 19 stata-17 stata-17 NOUN gp-104 66 20 data data NOUN gp-104 66 21 processing processing NOUN gp-104 66 22 results result NOUN gp-104 66 23 the the DET gp-104 66 24 multicoloniality multicoloniality NOUN gp-104 66 25 test test NOUN gp-104 66 26 aims aim VERB gp-104 66 27 to to PART gp-104 66 28 test test VERB gp-104 66 29 whether whether SCONJ gp-104 66 30 there there PRON gp-104 66 31 is be VERB gp-104 66 32 a a DET gp-104 66 33 relationship relationship NOUN gp-104 66 34 or or CCONJ gp-104 66 35 correlation correlation NOUN gp-104 66 36 between between ADP gp-104 66 37 dependent dependent ADJ gp-104 66 38 variables variable NOUN gp-104 66 39 . . PUNCT gp-104 67 1 by by ADP gp-104 67 2 pairwise pairwise NOUN gp-104 67 3 correlation correlation NOUN gp-104 67 4 matrix matrix NOUN gp-104 67 5 , , PUNCT gp-104 67 6 if if SCONJ gp-104 67 7 the the DET gp-104 67 8 coefficient coefficient NOUN gp-104 67 9 between between ADP gp-104 67 10 independent independent ADJ gp-104 67 11 variables variable NOUN gp-104 67 12 is be AUX gp-104 67 13 more more ADJ gp-104 67 14 than than ADP gp-104 67 15 > > PUNCT gp-104 67 16 0.8 0.8 NUM gp-104 67 17 , , PUNCT gp-104 67 18 it it PRON gp-104 67 19 means mean VERB gp-104 67 20 that that SCONJ gp-104 67 21 there there PRON gp-104 67 22 is be VERB gp-104 67 23 a a DET gp-104 67 24 multicollinearity multicollinearity NOUN gp-104 67 25 problem problem NOUN gp-104 67 26 in in ADP gp-104 67 27 the the DET gp-104 67 28 model model NOUN gp-104 67 29 ( ( PUNCT gp-104 67 30 adam adam PROPN gp-104 67 31 et et PROPN gp-104 67 32 al al PROPN gp-104 67 33 . . PROPN gp-104 67 34 , , PUNCT gp-104 67 35 2023 2023 NUM gp-104 67 36 ) ) PUNCT gp-104 67 37 . . PUNCT gp-104 68 1 table table NOUN gp-104 68 2 4.5 4.5 NUM gp-104 68 3 shows show VERB gp-104 68 4 that that SCONJ gp-104 68 5 there there PRON gp-104 68 6 is be VERB gp-104 68 7 no no DET gp-104 68 8 multicollinearity multicollinearity NOUN gp-104 68 9 problem problem NOUN gp-104 68 10 between between ADP gp-104 68 11 variables variable NOUN gp-104 68 12 in in ADP gp-104 68 13 this this DET gp-104 68 14 study study NOUN gp-104 68 15 , , PUNCT gp-104 68 16 and and CCONJ gp-104 68 17 diagnostic diagnostic ADJ gp-104 68 18 tests test NOUN gp-104 68 19 show show VERB gp-104 68 20 that that SCONJ gp-104 68 21 there there PRON gp-104 68 22 is be VERB gp-104 68 23 no no DET gp-104 68 24 multicollinearity multicollinearity NOUN gp-104 68 25 issue issue NOUN gp-104 68 26 . . PUNCT gp-104 69 1 panel panel NOUN gp-104 69 2 data datum NOUN gp-104 69 3 regression regression NOUN gp-104 69 4 table table NOUN gp-104 69 5 8 8 NUM gp-104 69 6 . . PUNCT gp-104 70 1 bank bank NOUN gp-104 70 2 stability stability PROPN gp-104 70 3 baseline baseline PROPN gp-104 70 4 regression regression NOUN gp-104 70 5 results result NOUN gp-104 70 6 ( ( PUNCT gp-104 70 7 z z NOUN gp-104 70 8 - - PUNCT gp-104 70 9 score score NOUN gp-104 70 10 ) ) PUNCT gp-104 70 11 country country NOUN gp-104 70 12 zscore zscore NOUN gp-104 70 13 npl npl PROPN gp-104 70 14 lerne lerne PROPN gp-104 70 15 r r NOUN gp-104 70 16 size size NOUN gp-104 70 17 indonesia indonesia PROPN gp-104 70 18 n n PROPN gp-104 70 19 -0,008 -0,008 NOUN gp-104 70 20 0 0 NUM gp-104 70 21 -0,380 -0,380 NOUN gp-104 70 22 9,831 9,831 NUM gp-104 70 23 malaysia malaysia PROPN gp-104 70 24 1,287 1,287 NUM gp-104 70 25 0,003 0,003 NUM gp-104 70 26 -0,380 -0,380 NOUN gp-104 70 27 11,506 11,506 NUM gp-104 70 28 philippine philippine PROPN gp-104 70 29 s s PART gp-104 70 30 0,643 0,643 NUM gp-104 70 31 0,256 0,256 NUM gp-104 70 32 -0,140 -0,140 NUM gp-104 71 1 12,052 12,052 NUM gp-104 72 1 singapore singapore PROPN gp-104 73 1 1,13 1,13 NUM gp-104 73 2 0,022 0,022 NUM gp-104 73 3 0,124 0,124 NUM gp-104 73 4 16,071 16,071 NUM gp-104 73 5 thailand thailand PROPN gp-104 73 6 1,298 1,298 NUM gp-104 73 7 0,009 0,009 NUM gp-104 73 8 -0,380 -0,380 X gp-104 73 9 12,656 12,656 NUM gp-104 73 10 american american ADJ gp-104 73 11 journal journal PROPN gp-104 73 12 of of ADP gp-104 73 13 economic economic ADJ gp-104 73 14 and and CCONJ gp-104 73 15 management management NOUN gp-104 73 16 business business NOUN gp-104 73 17 vol vol NOUN gp-104 73 18 . . PROPN gp-104 74 1 3 3 NUM gp-104 74 2 no no NOUN gp-104 74 3 . . NOUN gp-104 74 4 7 7 NUM gp-104 74 5 july july PROPN gp-104 74 6 2024 2024 NUM gp-104 74 7 200 200 NUM gp-104 74 8 dependent dependent ADJ gp-104 74 9 variable variable NOUN gp-104 74 10 = = PUNCT gp-104 74 11 z z NOUN gp-104 74 12 - - PUNCT gp-104 74 13 score score NOUN gp-104 74 14 ols ol NOUN gp-104 74 15 fem fem NOUN gp-104 74 16 brake brake PROPN gp-104 74 17 gls gl VERB gp-104 74 18 independent independent ADJ gp-104 74 19 variables variable NOUN gp-104 74 20 lerner lerner PROPN gp-104 74 21 1,0599 1,0599 NUM gp-104 74 22 * * PUNCT gp-104 74 23 * * PUNCT gp-104 74 24 * * PUNCT gp-104 74 25 0,4385 0,4385 PROPN gp-104 74 26 * * PUNCT gp-104 74 27 * * PUNCT gp-104 74 28 * * PUNCT gp-104 74 29 0,5640 0,5640 PROPN gp-104 74 30 * * PUNCT gp-104 74 31 * * PUNCT gp-104 74 32 * * PUNCT gp-104 74 33 0,5597 0,5597 NOUN gp-104 74 34 * * PUNCT gp-104 74 35 * * PUNCT gp-104 74 36 * * PUNCT gp-104 74 37 ( ( PUNCT gp-104 74 38 0,0794 0,0794 NOUN gp-104 74 39 ) ) PUNCT gp-104 74 40 ( ( PUNCT gp-104 74 41 0,1754 0,1754 PROPN gp-104 74 42 ) ) PUNCT gp-104 74 43 ( ( PUNCT gp-104 74 44 0,1762 0,1762 NOUN gp-104 74 45 ) ) PUNCT gp-104 74 46 ( ( PUNCT gp-104 74 47 0,0400 0,0400 NOUN gp-104 74 48 ) ) PUNCT gp-104 74 49 control control NOUN gp-104 74 50 variables variable NOUN gp-104 74 51 size size NOUN gp-104 74 52 -0,1931 -0,1931 PROPN gp-104 74 53 * * PUNCT gp-104 74 54 * * PUNCT gp-104 74 55 * * PUNCT gp-104 74 56 -0,0449 -0,0449 PROPN gp-104 74 57 * * PUNCT gp-104 74 58 * * PUNCT gp-104 74 59 * * PUNCT gp-104 74 60 -0,1218 -0,1218 NOUN gp-104 74 61 * * PUNCT gp-104 74 62 * * PUNCT gp-104 74 63 * * PUNCT gp-104 74 64 -0,1637 -0,1637 PROPN gp-104 74 65 * * PUNCT gp-104 74 66 * * PUNCT gp-104 74 67 * * PUNCT gp-104 74 68 ( ( PUNCT gp-104 74 69 0,0077 0,0077 PROPN gp-104 74 70 ) ) PUNCT gp-104 74 71 ( ( PUNCT gp-104 74 72 0,0603 0,0603 PROPN gp-104 74 73 ) ) PUNCT gp-104 74 74 ( ( PUNCT gp-104 74 75 0,0291 0,0291 NOUN gp-104 74 76 ) ) PUNCT gp-104 74 77 ( ( PUNCT gp-104 74 78 0,0057 0,0057 X gp-104 74 79 ) ) PUNCT gp-104 74 80 constant constant ADJ gp-104 74 81 4,8875 4,8875 PROPN gp-104 74 82 * * NOUN gp-104 74 83 * * PUNCT gp-104 74 84 * * PUNCT gp-104 74 85 2,8112 2,8112 NUM gp-104 74 86 * * PUNCT gp-104 74 87 * * PUNCT gp-104 74 88 * * PUNCT gp-104 74 89 3,9498 3,9498 NOUN gp-104 74 90 * * NOUN gp-104 74 91 * * PUNCT gp-104 74 92 * * PUNCT gp-104 74 93 4,5447 4,5447 NUM gp-104 74 94 * * NOUN gp-104 74 95 * * PUNCT gp-104 74 96 * * PUNCT gp-104 74 97 ( ( PUNCT gp-104 74 98 0,1054 0,1054 NUM gp-104 74 99 ) ) PUNCT gp-104 74 100 ( ( PUNCT gp-104 74 101 0,9070 0,9070 NOUN gp-104 74 102 ) ) PUNCT gp-104 74 103 ( ( PUNCT gp-104 74 104 0,4344 0,4344 NOUN gp-104 74 105 ) ) PUNCT gp-104 74 106 ( ( PUNCT gp-104 74 107 0,0,0914 0,0,0914 NOUN gp-104 74 108 ) ) PUNCT gp-104 74 109 number number NOUN gp-104 74 110 of of ADP gp-104 74 111 observations observation NOUN gp-104 74 112 1,369 1,369 NUM gp-104 74 113 1,369 1,369 NUM gp-104 74 114 1,369 1,369 NUM gp-104 74 115 1,369 1,369 NUM gp-104 74 116 number number NOUN gp-104 74 117 of of ADP gp-104 74 118 banks bank NOUN gp-104 74 119 133 133 NUM gp-104 74 120 133 133 NUM gp-104 74 121 133 133 NUM gp-104 74 122 133 133 NUM gp-104 74 123 r r NOUN gp-104 74 124 - - PUNCT gp-104 74 125 squared square VERB gp-104 75 1 0,3174 0,3174 PROPN gp-104 75 2 0,0265 0,0265 PROPN gp-104 75 3 0,3141 0,3141 NUM gp-104 75 4 hausman hausman PROPN gp-104 75 5 test test NOUN gp-104 75 6 0,0000 0,0000 DET gp-104 75 7 heteroscedasticity heteroscedasticity NOUN gp-104 75 8 test test NOUN gp-104 75 9 0,0000 0,0000 NUM gp-104 75 10 autocorrelation autocorrelation NOUN gp-104 75 11 test test NOUN gp-104 75 12 0,0000 0,0000 NUM gp-104 75 13 source source NOUN gp-104 75 14 : : PUNCT gp-104 75 15 stata-17 stata-17 NOUN gp-104 75 16 data data NOUN gp-104 75 17 processing processing NOUN gp-104 75 18 results result NOUN gp-104 75 19 table table NOUN gp-104 75 20 8 8 NUM gp-104 75 21 presents present VERB gp-104 75 22 the the DET gp-104 75 23 results result NOUN gp-104 75 24 of of ADP gp-104 75 25 the the DET gp-104 75 26 panel panel NOUN gp-104 75 27 data datum NOUN gp-104 75 28 estimation estimation NOUN gp-104 75 29 that that PRON gp-104 75 30 tests test VERB gp-104 75 31 the the DET gp-104 75 32 influence influence NOUN gp-104 75 33 of of ADP gp-104 75 34 competition competition NOUN gp-104 75 35 proxied proxie VERB gp-104 75 36 with with ADP gp-104 75 37 lerner lerner PROPN gp-104 75 38 and and CCONJ gp-104 75 39 bank bank NOUN gp-104 75 40 size size NOUN gp-104 75 41 measured measure VERB gp-104 75 42 by by ADP gp-104 75 43 size size NOUN gp-104 75 44 on on ADP gp-104 75 45 stability stability NOUN gp-104 75 46 proxied proxie VERB gp-104 75 47 by by ADP gp-104 75 48 z z NOUN gp-104 75 49 - - PUNCT gp-104 75 50 score score NOUN gp-104 75 51 . . PUNCT gp-104 76 1 based base VERB gp-104 76 2 on on ADP gp-104 76 3 the the DET gp-104 76 4 value value NOUN gp-104 76 5 of of ADP gp-104 76 6 the the DET gp-104 76 7 hausman hausman ADJ gp-104 76 8 test test NOUN gp-104 76 9 , , PUNCT gp-104 76 10 it it PRON gp-104 76 11 shows show VERB gp-104 76 12 a a DET gp-104 76 13 result result NOUN gp-104 76 14 of of ADP gp-104 76 15 0.0000<0.05 0.0000<0.05 NOUN gp-104 76 16 so so SCONJ gp-104 76 17 it it PRON gp-104 76 18 can can AUX gp-104 76 19 be be AUX gp-104 76 20 concluded conclude VERB gp-104 76 21 that that SCONJ gp-104 76 22 the the DET gp-104 76 23 fem fem NOUN gp-104 76 24 model model NOUN gp-104 76 25 is be AUX gp-104 76 26 the the DET gp-104 76 27 right right ADJ gp-104 76 28 model model NOUN gp-104 76 29 in in ADP gp-104 76 30 this this DET gp-104 76 31 study study NOUN gp-104 76 32 . . PUNCT gp-104 77 1 however however ADV gp-104 77 2 , , PUNCT gp-104 77 3 there there PRON gp-104 77 4 are be VERB gp-104 77 5 problems problem NOUN gp-104 77 6 of of ADP gp-104 77 7 heteroscedasticity heteroscedasticity NOUN gp-104 77 8 and and CCONJ gp-104 77 9 autocorrelation autocorrelation NOUN gp-104 77 10 in in ADP gp-104 77 11 the the DET gp-104 77 12 regression regression NOUN gp-104 77 13 of of ADP gp-104 77 14 the the DET gp-104 77 15 fem fem NOUN gp-104 77 16 model model NOUN gp-104 77 17 , , PUNCT gp-104 77 18 therefore therefore ADV gp-104 77 19 , , PUNCT gp-104 77 20 the the DET gp-104 77 21 generalized generalized ADJ gp-104 77 22 least least ADV gp-104 77 23 squared square VERB gp-104 77 24 ( ( PUNCT gp-104 77 25 gls gls PROPN gp-104 77 26 ) ) PUNCT gp-104 77 27 model model NOUN gp-104 77 28 is be AUX gp-104 77 29 used use VERB gp-104 77 30 to to PART gp-104 77 31 correct correct VERB gp-104 77 32 errors error NOUN gp-104 77 33 in in ADP gp-104 77 34 the the DET gp-104 77 35 analysis analysis NOUN gp-104 77 36 ( ( PUNCT gp-104 77 37 erfan erfan NOUN gp-104 77 38 et et PROPN gp-104 77 39 al al PROPN gp-104 77 40 . . PROPN gp-104 77 41 , , PUNCT gp-104 77 42 2023 2023 NUM gp-104 77 43 ) ) PUNCT gp-104 77 44 . . PUNCT gp-104 78 1 the the DET gp-104 78 2 regression regression NOUN gp-104 78 3 results result NOUN gp-104 78 4 of of ADP gp-104 78 5 the the DET gp-104 78 6 panel panel NOUN gp-104 78 7 data datum NOUN gp-104 78 8 are be AUX gp-104 78 9 still still ADV gp-104 78 10 used use VERB gp-104 78 11 as as ADP gp-104 78 12 a a DET gp-104 78 13 comparison comparison NOUN gp-104 78 14 between between ADP gp-104 78 15 four four NUM gp-104 78 16 estimation estimation NOUN gp-104 78 17 models model NOUN gp-104 78 18 , , PUNCT gp-104 78 19 namely namely ADV gp-104 78 20 ols ol NOUN gp-104 78 21 , , PUNCT gp-104 78 22 fem fem NOUN gp-104 78 23 , , PUNCT gp-104 78 24 rem rem X gp-104 78 25 , , PUNCT gp-104 78 26 and and CCONJ gp-104 78 27 gls gls PROPN gp-104 78 28 . . PROPN gp-104 78 29 table table NOUN gp-104 78 30 9 9 NUM gp-104 78 31 . . PUNCT gp-104 78 32 bank bank NOUN gp-104 78 33 stability stability NOUN gp-104 78 34 base base NOUN gp-104 78 35 regression regression NOUN gp-104 78 36 ( ( PUNCT gp-104 78 37 npl npl NOUN gp-104 78 38 ) ) PUNCT gp-104 78 39 results result VERB gp-104 78 40 dependent dependent ADJ gp-104 78 41 variable variable NOUN gp-104 78 42 = = PUNCT gp-104 78 43 z z NOUN gp-104 78 44 - - PUNCT gp-104 78 45 score score NOUN gp-104 78 46 ols ol NOUN gp-104 78 47 fem fem NOUN gp-104 78 48 brake brake PROPN gp-104 78 49 gls gl VERB gp-104 78 50 independent independent ADJ gp-104 78 51 variables variable NOUN gp-104 78 52 lerner lerner PROPN gp-104 78 53 0,5942 0,5942 PROPN gp-104 78 54 * * PUNCT gp-104 78 55 * * PUNCT gp-104 78 56 * * PUNCT gp-104 78 57 0,5769 0,5769 NOUN gp-104 78 58 0,2698 0,2698 ADJ gp-104 78 59 0,3400 0,3400 PROPN gp-104 79 1 * * PUNCT gp-104 79 2 * * PUNCT gp-104 79 3 * * PUNCT gp-104 79 4 ( ( PUNCT gp-104 79 5 1,0585 1,0585 NUM gp-104 79 6 ) ) PUNCT gp-104 79 7 ( ( PUNCT gp-104 79 8 0,9774 0,9774 NOUN gp-104 79 9 ) ) PUNCT gp-104 79 10 ( ( PUNCT gp-104 79 11 1,3072 1,3072 NUM gp-104 79 12 ) ) PUNCT gp-104 79 13 ( ( PUNCT gp-104 79 14 0,2358 0,2358 NOUN gp-104 79 15 ) ) PUNCT gp-104 79 16 control control NOUN gp-104 79 17 variables variable NOUN gp-104 79 18 size size NOUN gp-104 79 19 -0,4735 -0,4735 PUNCT gp-104 79 20 * * PUNCT gp-104 79 21 * * PUNCT gp-104 79 22 * * NOUN gp-104 79 23 0,3700 0,3700 NOUN gp-104 79 24 * * PUNCT gp-104 79 25 * * PUNCT gp-104 79 26 * * PUNCT gp-104 80 1 -0,3508 -0,3508 PROPN gp-104 80 2 * * PUNCT gp-104 80 3 * * PUNCT gp-104 80 4 * * PUNCT gp-104 80 5 -0,3096 -0,3096 PROPN gp-104 80 6 * * PUNCT gp-104 80 7 * * PUNCT gp-104 80 8 * * PUNCT gp-104 80 9 ( ( PUNCT gp-104 80 10 0,1014 0,1014 NOUN gp-104 80 11 ) ) PUNCT gp-104 80 12 ( ( PUNCT gp-104 80 13 0,6312 0,6312 PROPN gp-104 80 14 ) ) PUNCT gp-104 80 15 ( ( PUNCT gp-104 80 16 0,1636 0,1636 PROPN gp-104 80 17 ) ) PUNCT gp-104 80 18 ( ( PUNCT gp-104 80 19 0,0416 0,0416 NOUN gp-104 80 20 ) ) PUNCT gp-104 80 21 constant constant ADJ gp-104 80 22 10.4414 10.4414 NUM gp-104 80 23 * * PUNCT gp-104 80 24 * * PUNCT gp-104 80 25 * * PUNCT gp-104 80 26 -1,9925 -1,9925 NOUN gp-104 80 27 * * PUNCT gp-104 80 28 * * PUNCT gp-104 80 29 * * PUNCT gp-104 80 30 8,6213 8,6213 NOUN gp-104 80 31 * * NOUN gp-104 80 32 * * NOUN gp-104 80 33 * * PUNCT gp-104 80 34 7,7361 7,7361 NOUN gp-104 80 35 * * PUNCT gp-104 80 36 * * PUNCT gp-104 80 37 * * PUNCT gp-104 80 38 ( ( PUNCT gp-104 80 39 1,3745 1,3745 NUM gp-104 80 40 ) ) PUNCT gp-104 80 41 ( ( PUNCT gp-104 80 42 9,1067 9,1067 NOUN gp-104 80 43 ) ) PUNCT gp-104 80 44 ( ( PUNCT gp-104 80 45 2,3561 2,3561 NOUN gp-104 80 46 ) ) PUNCT gp-104 80 47 ( ( PUNCT gp-104 80 48 0,6521 0,6521 NOUN gp-104 80 49 ) ) PUNCT gp-104 80 50 number number NOUN gp-104 80 51 of of ADP gp-104 80 52 observations observation NOUN gp-104 80 53 1,140 1,140 NUM gp-104 80 54 1,140 1,140 NUM gp-104 80 55 1,140 1,140 NUM gp-104 80 56 1,140 1,140 NUM gp-104 80 57 number number NOUN gp-104 80 58 of of ADP gp-104 80 59 banks bank NOUN gp-104 80 60 133 133 NUM gp-104 80 61 133 133 NUM gp-104 80 62 133 133 NUM gp-104 80 63 133 133 NUM gp-104 80 64 r r NOUN gp-104 80 65 - - PUNCT gp-104 80 66 squared square VERB gp-104 80 67 0,0260 0,0260 PROPN gp-104 80 68 0,0010 0,0010 NOUN gp-104 80 69 0,2590 0,2590 PROPN gp-104 80 70 maudy maudy NOUN gp-104 80 71 , , PUNCT gp-104 80 72 isni isni PROPN gp-104 80 73 andriana andriana PROPN gp-104 80 74 , , PUNCT gp-104 80 75 mu’izzuddin mu’izzuddin PROPN gp-104 80 76 , , PUNCT gp-104 80 77 marlina marlina PROPN gp-104 80 78 widiyanti widiyanti PROPN gp-104 80 79 201 201 NUM gp-104 80 80 hausman hausman ADJ gp-104 80 81 test test NOUN gp-104 80 82 0,0822 0,0822 PROPN gp-104 80 83 heteroscedasticity heteroscedasticity NOUN gp-104 80 84 test test NOUN gp-104 80 85 0,0000 0,0000 NUM gp-104 80 86 autocorrelation autocorrelation NOUN gp-104 80 87 test test NOUN gp-104 80 88 0,0000 0,0000 NUM gp-104 80 89 source source NOUN gp-104 80 90 : : PUNCT gp-104 80 91 stata-17 stata-17 NOUN gp-104 80 92 data data NOUN gp-104 80 93 processing processing NOUN gp-104 80 94 results result NOUN gp-104 80 95 table table NOUN gp-104 80 96 9 9 NUM gp-104 80 97 presents present VERB gp-104 80 98 the the DET gp-104 80 99 results result NOUN gp-104 80 100 of of ADP gp-104 80 101 the the DET gp-104 80 102 panel panel NOUN gp-104 80 103 data datum NOUN gp-104 80 104 estimation estimation NOUN gp-104 80 105 that that PRON gp-104 80 106 tests test VERB gp-104 80 107 the the DET gp-104 80 108 effect effect NOUN gp-104 80 109 of of ADP gp-104 80 110 competition competition NOUN gp-104 80 111 proxied proxie VERB gp-104 80 112 with with ADP gp-104 80 113 lerner lerner PROPN gp-104 80 114 and and CCONJ gp-104 80 115 bank bank NOUN gp-104 80 116 size size NOUN gp-104 80 117 measured measure VERB gp-104 80 118 by by ADP gp-104 80 119 size size NOUN gp-104 80 120 on on ADP gp-104 80 121 stability stability NOUN gp-104 80 122 proxied proxie VERB gp-104 80 123 by by ADP gp-104 80 124 z z NOUN gp-104 80 125 - - PUNCT gp-104 80 126 score score NOUN gp-104 80 127 . . PUNCT gp-104 81 1 the the DET gp-104 81 2 hausman hausman PROPN gp-104 81 3 test test NOUN gp-104 81 4 compares compare VERB gp-104 81 5 the the DET gp-104 81 6 two two NUM gp-104 81 7 models model NOUN gp-104 81 8 , , PUNCT gp-104 81 9 between between ADP gp-104 81 10 the the DET gp-104 81 11 random random ADJ gp-104 81 12 effect effect NOUN gp-104 81 13 model model NOUN gp-104 81 14 and and CCONJ gp-104 81 15 the the DET gp-104 81 16 fixed fixed ADJ gp-104 81 17 effect effect NOUN gp-104 81 18 model model NOUN gp-104 81 19 and and CCONJ gp-104 81 20 showing show VERB gp-104 81 21 the the DET gp-104 81 22 results result NOUN gp-104 81 23 that that PRON gp-104 81 24 crosssection crosssection NOUN gp-104 81 25 random random ADJ gp-104 81 26 has have VERB gp-104 81 27 a a DET gp-104 81 28 value value NOUN gp-104 81 29 of of ADP gp-104 81 30 0.0822 0.0822 NUM gp-104 81 31 > > X gp-104 81 32 0.05 0.05 NUM gp-104 81 33 , , PUNCT gp-104 81 34 so so SCONJ gp-104 81 35 the the DET gp-104 81 36 test test NOUN gp-104 81 37 results result NOUN gp-104 81 38 hausman hausman NOUN gp-104 81 39 choosing choose VERB gp-104 81 40 a a DET gp-104 81 41 model model NOUN gp-104 81 42 brake brake NOUN gp-104 81 43 than than ADP gp-104 81 44 fem fem PROPN gp-104 81 45 . . PUNCT gp-104 82 1 however however ADV gp-104 82 2 , , PUNCT gp-104 82 3 there there PRON gp-104 82 4 are be VERB gp-104 82 5 problems problem NOUN gp-104 82 6 of of ADP gp-104 82 7 heteroscedasticity heteroscedasticity NOUN gp-104 82 8 and and CCONJ gp-104 82 9 autocorrelation autocorrelation NOUN gp-104 82 10 in in ADP gp-104 82 11 the the DET gp-104 82 12 regression regression NOUN gp-104 82 13 of of ADP gp-104 82 14 the the DET gp-104 82 15 fem fem NOUN gp-104 82 16 model model NOUN gp-104 82 17 , , PUNCT gp-104 82 18 so so ADV gp-104 82 19 the the DET gp-104 82 20 generalized generalized ADJ gp-104 82 21 least least ADV gp-104 82 22 squared square VERB gp-104 82 23 ( ( PUNCT gp-104 82 24 gls gls PROPN gp-104 82 25 ) ) PUNCT gp-104 82 26 model model NOUN gp-104 82 27 is be AUX gp-104 82 28 an an DET gp-104 82 29 alternative alternative NOUN gp-104 82 30 to to PART gp-104 82 31 overcome overcome VERB gp-104 82 32 the the DET gp-104 82 33 problem problem NOUN gp-104 82 34 of of ADP gp-104 82 35 heteroscedasticity heteroscedasticity NOUN gp-104 82 36 assumption assumption NOUN gp-104 82 37 and and CCONJ gp-104 82 38 autocorrelation autocorrelation NOUN gp-104 82 39 ( ( PUNCT gp-104 82 40 martaningtyas martaningtyas PROPN gp-104 82 41 et et PROPN gp-104 82 42 al al PROPN gp-104 82 43 . . PROPN gp-104 82 44 , , PUNCT gp-104 82 45 2024 2024 NUM gp-104 82 46 ) ) PUNCT gp-104 82 47 and and CCONJ gp-104 82 48 ( ( PUNCT gp-104 82 49 kosmaryati kosmaryati PROPN gp-104 82 50 et et PROPN gp-104 82 51 al al PROPN gp-104 82 52 . . PROPN gp-104 82 53 , , PUNCT gp-104 82 54 2019 2019 NUM gp-104 82 55 ) ) PUNCT gp-104 82 56 . . PUNCT gp-104 83 1 discussion discussion NOUN gp-104 83 2 competition competition NOUN gp-104 83 3 for for ADP gp-104 83 4 bank bank NOUN gp-104 83 5 stability stability NOUN gp-104 83 6 table table NOUN gp-104 83 7 8 8 NUM gp-104 83 8 shows show VERB gp-104 83 9 that that SCONJ gp-104 83 10 competition competition NOUN gp-104 83 11 has have VERB gp-104 83 12 a a DET gp-104 83 13 positive positive ADJ gp-104 83 14 and and CCONJ gp-104 83 15 significant significant ADJ gp-104 83 16 effect effect NOUN gp-104 83 17 on on ADP gp-104 83 18 stability stability NOUN gp-104 83 19 as as SCONJ gp-104 83 20 measured measure VERB gp-104 83 21 by by ADP gp-104 83 22 z z NOUN gp-104 83 23 - - PUNCT gp-104 83 24 score score NOUN gp-104 83 25 . . PUNCT gp-104 84 1 the the DET gp-104 84 2 competition competition NOUN gp-104 84 3 variable variable NOUN gp-104 84 4 showed show VERB gp-104 84 5 a a DET gp-104 84 6 significance significance NOUN gp-104 84 7 level level NOUN gp-104 84 8 of of ADP gp-104 84 9 0.000<0.01 0.000<0.01 NOUN gp-104 84 10 and and CCONJ gp-104 84 11 a a DET gp-104 84 12 coefficient coefficient NOUN gp-104 84 13 of of ADP gp-104 84 14 0.5597 0.5597 NUM gp-104 84 15 on on ADP gp-104 84 16 bank bank NOUN gp-104 84 17 stability stability NOUN gp-104 84 18 ( ( PUNCT gp-104 84 19 z z NOUN gp-104 84 20 - - PUNCT gp-104 84 21 score score NOUN gp-104 84 22 ) ) PUNCT gp-104 84 23 . . PUNCT gp-104 85 1 this this PRON gp-104 85 2 means mean VERB gp-104 85 3 that that SCONJ gp-104 85 4 if if SCONJ gp-104 85 5 the the DET gp-104 85 6 level level NOUN gp-104 85 7 of of ADP gp-104 85 8 competition competition NOUN gp-104 85 9 increases increase NOUN gp-104 85 10 , , PUNCT gp-104 85 11 it it PRON gp-104 85 12 will will AUX gp-104 85 13 have have VERB gp-104 85 14 an an DET gp-104 85 15 effect effect NOUN gp-104 85 16 on on ADP gp-104 85 17 increasing increase VERB gp-104 85 18 stability stability NOUN gp-104 85 19 ( ( PUNCT gp-104 85 20 z z NOUN gp-104 85 21 - - PUNCT gp-104 85 22 score score NOUN gp-104 85 23 ) ) PUNCT gp-104 85 24 by by ADP gp-104 85 25 56 56 NUM gp-104 85 26 % % NOUN gp-104 85 27 . . PUNCT gp-104 86 1 furthermore furthermore ADV gp-104 86 2 , , PUNCT gp-104 86 3 in in ADP gp-104 86 4 table table NOUN gp-104 86 5 9 9 NUM gp-104 86 6 , , PUNCT gp-104 86 7 the the DET gp-104 86 8 competition competition NOUN gp-104 86 9 also also ADV gp-104 86 10 has have VERB gp-104 86 11 a a DET gp-104 86 12 positive positive ADJ gp-104 86 13 and and CCONJ gp-104 86 14 significant significant ADJ gp-104 86 15 effect effect NOUN gp-104 86 16 on on ADP gp-104 86 17 stability stability NOUN gp-104 86 18 as as SCONJ gp-104 86 19 measured measure VERB gp-104 86 20 by by ADP gp-104 86 21 npls npls NOUN gp-104 86 22 , , PUNCT gp-104 86 23 with with ADP gp-104 86 24 a a DET gp-104 86 25 competition competition NOUN gp-104 86 26 significance significance NOUN gp-104 86 27 level level NOUN gp-104 86 28 ( ( PUNCT gp-104 86 29 learner learner NOUN gp-104 86 30 ) ) PUNCT gp-104 86 31 of of ADP gp-104 86 32 0.149>0.01 0.149>0.01 NOUN gp-104 86 33 and and CCONJ gp-104 86 34 a a DET gp-104 86 35 coefficient coefficient NOUN gp-104 86 36 of of ADP gp-104 86 37 0.3400 0.3400 NUM gp-104 86 38 * * PUNCT gp-104 86 39 * * PUNCT gp-104 86 40 * * PUNCT gp-104 86 41 on on ADP gp-104 86 42 bank bank NOUN gp-104 86 43 stability stability NOUN gp-104 86 44 ( ( PUNCT gp-104 86 45 npl npl PROPN gp-104 86 46 ) ) PUNCT gp-104 86 47 . . PUNCT gp-104 87 1 this this PRON gp-104 87 2 means mean VERB gp-104 87 3 that that SCONJ gp-104 87 4 if if SCONJ gp-104 87 5 the the DET gp-104 87 6 increase increase NOUN gp-104 87 7 in in ADP gp-104 87 8 competition competition NOUN gp-104 87 9 increases increase NOUN gp-104 87 10 , , PUNCT gp-104 87 11 it it PRON gp-104 87 12 will will AUX gp-104 87 13 have have VERB gp-104 87 14 an an DET gp-104 87 15 effect effect NOUN gp-104 87 16 on on ADP gp-104 87 17 increasing increase VERB gp-104 87 18 stability stability NOUN gp-104 87 19 ( ( PUNCT gp-104 87 20 npl npl NOUN gp-104 87 21 ) ) PUNCT gp-104 87 22 by by ADP gp-104 87 23 34 34 NUM gp-104 87 24 % % NOUN gp-104 87 25 . . PUNCT gp-104 88 1 the the DET gp-104 88 2 results result NOUN gp-104 88 3 show show VERB gp-104 88 4 that that SCONJ gp-104 88 5 the the DET gp-104 88 6 increase increase NOUN gp-104 88 7 in in ADP gp-104 88 8 market market NOUN gp-104 88 9 strength strength NOUN gp-104 88 10 supports support VERB gp-104 88 11 banking banking NOUN gp-104 88 12 stability stability NOUN gp-104 88 13 in in ADP gp-104 88 14 asean-5 asean-5 NUM gp-104 88 15 , , PUNCT gp-104 88 16 which which PRON gp-104 88 17 means mean VERB gp-104 88 18 that that SCONJ gp-104 88 19 banks bank NOUN gp-104 88 20 have have VERB gp-104 88 21 a a DET gp-104 88 22 small small ADJ gp-104 88 23 risk risk NOUN gp-104 88 24 of of ADP gp-104 88 25 bankruptcy bankruptcy NOUN gp-104 88 26 and and CCONJ gp-104 88 27 high high ADJ gp-104 88 28 stability stability NOUN gp-104 88 29 of of ADP gp-104 88 30 bank bank NOUN gp-104 88 31 companies company NOUN gp-104 88 32 ( ( PUNCT gp-104 88 33 violeta violeta PROPN gp-104 88 34 ketaren ketaren PROPN gp-104 88 35 & & CCONJ gp-104 88 36 mulyo mulyo PROPN gp-104 88 37 haryanto haryanto ADP gp-104 88 38 , , PUNCT gp-104 88 39 2020 2020 NUM gp-104 88 40 ) ) PUNCT gp-104 88 41 . . PUNCT gp-104 89 1 this this PRON gp-104 89 2 is be AUX gp-104 89 3 supported support VERB gp-104 89 4 by by ADP gp-104 89 5 the the DET gp-104 89 6 efficiency efficiency NOUN gp-104 89 7 theory theory NOUN gp-104 89 8 put put VERB gp-104 89 9 forward forward ADV gp-104 89 10 by by ADP gp-104 89 11 drucker drucker NOUN gp-104 89 12 ( ( PUNCT gp-104 89 13 1974 1974 NUM gp-104 89 14 ) ) PUNCT gp-104 89 15 , , PUNCT gp-104 89 16 who who PRON gp-104 89 17 said say VERB gp-104 89 18 that that SCONJ gp-104 89 19 all all DET gp-104 89 20 activities activity NOUN gp-104 89 21 carried carry VERB gp-104 89 22 out out ADP gp-104 89 23 by by ADP gp-104 89 24 a a DET gp-104 89 25 company company NOUN gp-104 89 26 must must AUX gp-104 89 27 be be AUX gp-104 89 28 efficient efficient ADJ gp-104 89 29 in in ADP gp-104 89 30 order order NOUN gp-104 89 31 to to PART gp-104 89 32 obtain obtain VERB gp-104 89 33 maximum maximum ADJ gp-104 89 34 output output NOUN gp-104 89 35 from from ADP gp-104 89 36 the the DET gp-104 89 37 inputs input NOUN gp-104 89 38 it it PRON gp-104 89 39 has have AUX gp-104 89 40 related relate VERB gp-104 89 41 to to ADP gp-104 89 42 this this PRON gp-104 89 43 , , PUNCT gp-104 89 44 this this DET gp-104 89 45 research research NOUN gp-104 89 46 is be AUX gp-104 89 47 in in ADP gp-104 89 48 line line NOUN gp-104 89 49 with with ADP gp-104 89 50 previous previous ADJ gp-104 89 51 research research NOUN gp-104 89 52 conducted conduct VERB gp-104 89 53 by by ADP gp-104 89 54 ( ( PUNCT gp-104 89 55 sanderson sanderson PROPN gp-104 89 56 et et PROPN gp-104 89 57 al al PROPN gp-104 89 58 . . PROPN gp-104 89 59 , , PUNCT gp-104 89 60 2019 2019 NUM gp-104 89 61 ) ) PUNCT gp-104 89 62 , , PUNCT gp-104 89 63 ( ( PUNCT gp-104 89 64 gumanica gumanica PROPN gp-104 89 65 , , PUNCT gp-104 89 66 2022 2022 NUM gp-104 89 67 ) ) PUNCT gp-104 89 68 and and CCONJ gp-104 89 69 ( ( PUNCT gp-104 89 70 sanderson sanderson PROPN gp-104 89 71 et et PROPN gp-104 89 72 al al PROPN gp-104 89 73 . . PROPN gp-104 89 74 , , PUNCT gp-104 89 75 2019 2019 NUM gp-104 89 76 ) ) PUNCT gp-104 89 77 who who PRON gp-104 89 78 said say VERB gp-104 89 79 that that SCONJ gp-104 89 80 competition competition NOUN gp-104 89 81 has have VERB gp-104 89 82 a a DET gp-104 89 83 positive positive ADJ gp-104 89 84 effect effect NOUN gp-104 89 85 on on ADP gp-104 89 86 the the DET gp-104 89 87 stability stability NOUN gp-104 89 88 of of ADP gp-104 89 89 banks bank NOUN gp-104 89 90 . . PUNCT gp-104 90 1 the the DET gp-104 90 2 size size NOUN gp-104 90 3 of of ADP gp-104 90 4 the the DET gp-104 90 5 bank bank NOUN gp-104 90 6 against against ADP gp-104 90 7 the the DET gp-104 90 8 stability stability NOUN gp-104 90 9 of of ADP gp-104 90 10 the the DET gp-104 90 11 bank bank NOUN gp-104 90 12 table table NOUN gp-104 90 13 8 8 NUM gp-104 90 14 shows show VERB gp-104 90 15 that that SCONJ gp-104 90 16 bank bank NOUN gp-104 90 17 size size NOUN gp-104 90 18 has have VERB gp-104 90 19 a a DET gp-104 90 20 negative negative ADJ gp-104 90 21 and and CCONJ gp-104 90 22 significant significant ADJ gp-104 90 23 effect effect NOUN gp-104 90 24 on on ADP gp-104 90 25 stability stability NOUN gp-104 90 26 as as SCONJ gp-104 90 27 measured measure VERB gp-104 90 28 by by ADP gp-104 90 29 z z NOUN gp-104 90 30 - - PUNCT gp-104 90 31 score score NOUN gp-104 90 32 . . PUNCT gp-104 91 1 the the DET gp-104 91 2 bank bank NOUN gp-104 91 3 size size NOUN gp-104 91 4 variable variable NOUN gp-104 91 5 showed show VERB gp-104 91 6 a a DET gp-104 91 7 significance significance NOUN gp-104 91 8 level level NOUN gp-104 91 9 of of ADP gp-104 91 10 0.000<0.01 0.000<0.01 NOUN gp-104 91 11 and and CCONJ gp-104 91 12 a a DET gp-104 91 13 coefficient coefficient NOUN gp-104 91 14 of of ADP gp-104 91 15 -0.1637 -0.1637 NOUN gp-104 91 16 * * PUNCT gp-104 91 17 * * PUNCT gp-104 91 18 * * PUNCT gp-104 91 19 to to PART gp-104 91 20 bank bank VERB gp-104 91 21 stability stability NOUN gp-104 91 22 ( ( PUNCT gp-104 91 23 z z NOUN gp-104 91 24 - - PUNCT gp-104 91 25 score score NOUN gp-104 91 26 ) ) PUNCT gp-104 91 27 . . PUNCT gp-104 92 1 this this PRON gp-104 92 2 means mean VERB gp-104 92 3 that that SCONJ gp-104 92 4 if if SCONJ gp-104 92 5 the the DET gp-104 92 6 bank bank NOUN gp-104 92 7 size size NOUN gp-104 92 8 level level NOUN gp-104 92 9 increases increase NOUN gp-104 92 10 by by ADP gp-104 92 11 1 1 NUM gp-104 92 12 % % NOUN gp-104 92 13 , , PUNCT gp-104 92 14 it it PRON gp-104 92 15 will will AUX gp-104 92 16 have have VERB gp-104 92 17 an an DET gp-104 92 18 effect effect NOUN gp-104 92 19 on on ADP gp-104 92 20 a a DET gp-104 92 21 decrease decrease NOUN gp-104 92 22 in in ADP gp-104 92 23 stability stability NOUN gp-104 92 24 ( ( PUNCT gp-104 92 25 z z NOUN gp-104 92 26 - - PUNCT gp-104 92 27 score score NOUN gp-104 92 28 ) ) PUNCT gp-104 92 29 of of ADP gp-104 92 30 16 16 NUM gp-104 92 31 % % NOUN gp-104 92 32 . . PUNCT gp-104 93 1 furthermore furthermore ADV gp-104 93 2 , , PUNCT gp-104 93 3 in in ADP gp-104 93 4 table table NOUN gp-104 93 5 9 9 NUM gp-104 93 6 , , PUNCT gp-104 93 7 bank bank NOUN gp-104 93 8 size size NOUN gp-104 93 9 also also ADV gp-104 93 10 has have VERB gp-104 93 11 a a DET gp-104 93 12 negative negative ADJ gp-104 93 13 and and CCONJ gp-104 93 14 significant significant ADJ gp-104 93 15 effect effect NOUN gp-104 93 16 on on ADP gp-104 93 17 stability stability NOUN gp-104 93 18 as as SCONJ gp-104 93 19 measured measure VERB gp-104 93 20 by by ADP gp-104 93 21 npls npls NOUN gp-104 93 22 , , PUNCT gp-104 93 23 with with ADP gp-104 93 24 a a DET gp-104 93 25 significance significance NOUN gp-104 93 26 level level NOUN gp-104 93 27 of of ADP gp-104 93 28 0.00<0.01 0.00<0.01 ADJ gp-104 93 29 and and CCONJ gp-104 93 30 a a DET gp-104 93 31 coefficient coefficient NOUN gp-104 93 32 of of ADP gp-104 93 33 -0.3096 -0.3096 ADJ gp-104 93 34 * * PUNCT gp-104 93 35 * * PUNCT gp-104 93 36 * * PUNCT gp-104 93 37 to to PART gp-104 93 38 bank bank VERB gp-104 93 39 stability stability NOUN gp-104 93 40 ( ( PUNCT gp-104 93 41 npl npl PROPN gp-104 93 42 ) ) PUNCT gp-104 93 43 . . PUNCT gp-104 94 1 this this PRON gp-104 94 2 means mean VERB gp-104 94 3 that that SCONJ gp-104 94 4 every every DET gp-104 94 5 1 1 NUM gp-104 94 6 % % NOUN gp-104 94 7 increase increase NOUN gp-104 94 8 in in ADP gp-104 94 9 bank bank NOUN gp-104 94 10 size size NOUN gp-104 94 11 will will AUX gp-104 94 12 reduce reduce VERB gp-104 94 13 the the DET gp-104 94 14 bank bank NOUN gp-104 94 15 's 's PART gp-104 94 16 stability stability NOUN gp-104 94 17 level level NOUN gp-104 94 18 by by ADP gp-104 94 19 31 31 NUM gp-104 94 20 % % NOUN gp-104 94 21 . . PUNCT gp-104 95 1 the the DET gp-104 95 2 results result NOUN gp-104 95 3 show show VERB gp-104 95 4 that that SCONJ gp-104 95 5 the the PRON gp-104 95 6 larger large ADJ gp-104 95 7 the the DET gp-104 95 8 size size NOUN gp-104 95 9 of of ADP gp-104 95 10 the the DET gp-104 95 11 bank bank NOUN gp-104 95 12 , , PUNCT gp-104 95 13 the the DET gp-104 95 14 more more ADV gp-104 95 15 risky risky ADJ gp-104 95 16 or or CCONJ gp-104 95 17 unstable unstable ADJ gp-104 95 18 the the DET gp-104 95 19 bank bank NOUN gp-104 95 20 will will AUX gp-104 95 21 be be AUX gp-104 95 22 . . PUNCT gp-104 96 1 these these DET gp-104 96 2 results result NOUN gp-104 96 3 are be AUX gp-104 96 4 in in ADP gp-104 96 5 line line NOUN gp-104 96 6 with with ADP gp-104 96 7 research research NOUN gp-104 96 8 ( ( PUNCT gp-104 96 9 sanjaya sanjaya PROPN gp-104 96 10 and and CCONJ gp-104 96 11 badjuri badjuri PROPN gp-104 96 12 2022 2022 NUM gp-104 96 13 ) ) PUNCT gp-104 96 14 and and CCONJ gp-104 96 15 ( ( PUNCT gp-104 96 16 shahriar shahriar ADJ gp-104 96 17 , , PUNCT gp-104 96 18 mehzabin mehzabin ADJ gp-104 96 19 , , PUNCT gp-104 96 20 and and CCONJ gp-104 96 21 azad azad PROPN gp-104 96 22 2023 2023 NUM gp-104 96 23 ) ) PUNCT gp-104 96 24 who who PRON gp-104 96 25 said say VERB gp-104 96 26 that that SCONJ gp-104 96 27 the the DET gp-104 96 28 size size NOUN gp-104 96 29 of of ADP gp-104 96 30 the the DET gp-104 96 31 bank bank NOUN gp-104 96 32 has have VERB gp-104 96 33 a a DET gp-104 96 34 negative negative ADJ gp-104 96 35 and and CCONJ gp-104 96 36 significant significant ADJ gp-104 96 37 effect effect NOUN gp-104 96 38 on on ADP gp-104 96 39 the the DET gp-104 96 40 stability stability NOUN gp-104 96 41 of of ADP gp-104 96 42 the the DET gp-104 96 43 bank bank NOUN gp-104 96 44 . . PUNCT gp-104 97 1 conclusion conclusion PROPN gp-104 97 2 american american PROPN gp-104 97 3 journal journal PROPN gp-104 97 4 of of ADP gp-104 97 5 economic economic ADJ gp-104 97 6 and and CCONJ gp-104 97 7 management management NOUN gp-104 97 8 business business NOUN gp-104 97 9 vol vol NOUN gp-104 97 10 . . PROPN gp-104 98 1 3 3 NUM gp-104 98 2 no no NOUN gp-104 98 3 . . NOUN gp-104 98 4 7 7 NUM gp-104 98 5 july july PROPN gp-104 98 6 2024 2024 NUM gp-104 98 7 202 202 NUM gp-104 98 8 this this DET gp-104 98 9 study study NOUN gp-104 98 10 provides provide VERB gp-104 98 11 information information NOUN gp-104 98 12 on on ADP gp-104 98 13 the the DET gp-104 98 14 relationship relationship NOUN gp-104 98 15 between between ADP gp-104 98 16 competition competition NOUN gp-104 98 17 and and CCONJ gp-104 98 18 bank bank NOUN gp-104 98 19 size size NOUN gp-104 98 20 to to ADP gp-104 98 21 banking banking NOUN gp-104 98 22 stability stability NOUN gp-104 98 23 , , PUNCT gp-104 98 24 especially especially ADV gp-104 98 25 in in ADP gp-104 98 26 banking banking NOUN gp-104 98 27 companies company NOUN gp-104 98 28 in in ADP gp-104 98 29 asean-5 asean-5 NUM gp-104 98 30 countries country NOUN gp-104 98 31 . . PUNCT gp-104 99 1 the the DET gp-104 99 2 results result NOUN gp-104 99 3 of of ADP gp-104 99 4 the the DET gp-104 99 5 study study NOUN gp-104 99 6 with with ADP gp-104 99 7 the the DET gp-104 99 8 generalized generalize VERB gp-104 99 9 least least ADV gp-104 99 10 squared square VERB gp-104 99 11 ( ( PUNCT gp-104 99 12 gls gls PROPN gp-104 99 13 ) ) PUNCT gp-104 99 14 model model NOUN gp-104 99 15 show show VERB gp-104 99 16 that that SCONJ gp-104 99 17 competition competition NOUN gp-104 99 18 measured measure VERB gp-104 99 19 by by ADP gp-104 99 20 learner learner NOUN gp-104 99 21 has have VERB gp-104 99 22 a a DET gp-104 99 23 positive positive ADJ gp-104 99 24 and and CCONJ gp-104 99 25 significant significant ADJ gp-104 99 26 effect effect NOUN gp-104 99 27 on on ADP gp-104 99 28 stability stability NOUN gp-104 99 29 measured measure VERB gp-104 99 30 by by ADP gp-104 99 31 z z NOUN gp-104 99 32 - - PUNCT gp-104 99 33 score score NOUN gp-104 99 34 and and CCONJ gp-104 99 35 npl npl NOUN gp-104 99 36 . . PUNCT gp-104 100 1 however however ADV gp-104 100 2 , , PUNCT gp-104 100 3 bank bank NOUN gp-104 100 4 size size NOUN gp-104 100 5 has have VERB gp-104 100 6 a a DET gp-104 100 7 negative negative ADJ gp-104 100 8 and and CCONJ gp-104 100 9 significant significant ADJ gp-104 100 10 effect effect NOUN gp-104 100 11 on on ADP gp-104 100 12 stability stability NOUN gp-104 100 13 , , PUNCT gp-104 100 14 as as SCONJ gp-104 100 15 measured measure VERB gp-104 100 16 by by ADP gp-104 100 17 z z NOUN gp-104 100 18 - - PUNCT gp-104 100 19 score score NOUN gp-104 100 20 and and CCONJ gp-104 100 21 npl npl NOUN gp-104 100 22 . . PUNCT gp-104 101 1 the the DET gp-104 101 2 findings finding NOUN gp-104 101 3 suggest suggest VERB gp-104 101 4 that that SCONJ gp-104 101 5 there there PRON gp-104 101 6 is be VERB gp-104 101 7 more more ADJ gp-104 101 8 diversity diversity NOUN gp-104 101 9 of of ADP gp-104 101 10 assets asset NOUN gp-104 101 11 and and CCONJ gp-104 101 12 funds fund NOUN gp-104 101 13 , , PUNCT gp-104 101 14 which which PRON gp-104 101 15 will will AUX gp-104 101 16 weaken weaken VERB gp-104 101 17 bank bank NOUN gp-104 101 18 stability stability NOUN gp-104 101 19 . . PUNCT gp-104 102 1 banks bank NOUN gp-104 102 2 need need VERB gp-104 102 3 to to PART gp-104 102 4 be be AUX gp-104 102 5 careful careful ADJ gp-104 102 6 in in ADP gp-104 102 7 managing manage VERB gp-104 102 8 their their PRON gp-104 102 9 assets asset NOUN gp-104 102 10 . . PUNCT gp-104 103 1 this this DET gp-104 103 2 research research NOUN gp-104 103 3 makes make VERB gp-104 103 4 a a DET gp-104 103 5 significant significant ADJ gp-104 103 6 contribution contribution NOUN gp-104 103 7 to to ADP gp-104 103 8 the the DET gp-104 103 9 literature literature NOUN gp-104 103 10 on on ADP gp-104 103 11 bank bank NOUN gp-104 103 12 stability stability NOUN gp-104 103 13 . . PUNCT gp-104 104 1 this this DET gp-104 104 2 study study NOUN gp-104 104 3 has have VERB gp-104 104 4 several several ADJ gp-104 104 5 limitations limitation NOUN gp-104 104 6 . . PUNCT gp-104 105 1 first first ADV gp-104 105 2 , , PUNCT gp-104 105 3 it it PRON gp-104 105 4 only only ADV gp-104 105 5 uses use VERB gp-104 105 6 a a DET gp-104 105 7 sample sample NOUN gp-104 105 8 of of ADP gp-104 105 9 asean-5 asean-5 NUM gp-104 105 10 countries country NOUN gp-104 105 11 . . PUNCT gp-104 106 1 future future ADJ gp-104 106 2 research research NOUN gp-104 106 3 is be AUX gp-104 106 4 expected expect VERB gp-104 106 5 to to PART gp-104 106 6 expand expand VERB gp-104 106 7 the the DET gp-104 106 8 research research NOUN gp-104 106 9 object object NOUN gp-104 106 10 to to ADP gp-104 106 11 all all DET gp-104 106 12 countries country NOUN gp-104 106 13 in in ADP gp-104 106 14 southeast southeast PROPN gp-104 106 15 asia asia PROPN gp-104 106 16 or or CCONJ gp-104 106 17 the the DET gp-104 106 18 asian asian ADJ gp-104 106 19 continent continent NOUN gp-104 106 20 . . PUNCT gp-104 107 1 these these DET gp-104 107 2 two two NUM gp-104 107 3 studies study NOUN gp-104 107 4 use use VERB gp-104 107 5 2 2 NUM gp-104 107 6 independent independent ADJ gp-104 107 7 variables variable NOUN gp-104 107 8 , , PUNCT gp-104 107 9 such such ADJ gp-104 107 10 as as ADP gp-104 107 11 competition competition NOUN gp-104 107 12 and and CCONJ gp-104 107 13 bank bank NOUN gp-104 107 14 size size NOUN gp-104 107 15 ; ; PUNCT gp-104 107 16 further further ADJ gp-104 107 17 research research NOUN gp-104 107 18 needs need VERB gp-104 107 19 to to PART gp-104 107 20 be be AUX gp-104 107 21 expected expect VERB gp-104 107 22 to to PART gp-104 107 23 pay pay VERB gp-104 107 24 attention attention NOUN gp-104 107 25 to to ADP gp-104 107 26 other other ADJ gp-104 107 27 variables variable NOUN gp-104 107 28 that that PRON gp-104 107 29 can can AUX gp-104 107 30 affect affect VERB gp-104 107 31 banking bank VERB gp-104 107 32 stability stability NOUN gp-104 107 33 . . PUNCT gp-104 108 1 references reference NOUN gp-104 108 2 adam adam PROPN gp-104 108 3 , , PUNCT gp-104 108 4 m. m. NOUN gp-104 108 5 , , PUNCT gp-104 108 6 sahriman sahriman NOUN gp-104 108 7 , , PUNCT gp-104 108 8 s. s. PROPN gp-104 108 9 , , PUNCT gp-104 108 10 & & CCONJ gp-104 108 11 sirajang sirajang PROPN gp-104 108 12 , , PUNCT gp-104 108 13 n. n. NOUN gp-104 108 14 ( ( PUNCT gp-104 108 15 2023 2023 NUM gp-104 108 16 ) ) PUNCT gp-104 108 17 . . PUNCT gp-104 109 1 penerapan penerapan PROPN gp-104 109 2 metode metode PROPN gp-104 109 3 linearized linearize VERB gp-104 109 4 ridge ridge PROPN gp-104 109 5 regression regression PROPN gp-104 109 6 pada pada PROPN gp-104 109 7 data data PROPN gp-104 109 8 yang yang PROPN gp-104 109 9 mengandung mengandung PROPN gp-104 109 10 multikolinearitas multikolinearitas PROPN gp-104 109 11 . . PUNCT gp-104 110 1 4(1 4(1 NOUN gp-104 110 2 ) ) PUNCT gp-104 110 3 , , PUNCT gp-104 110 4 122–129 122–129 NUM gp-104 110 5 . . PUNCT gp-104 111 1 https://doi.org/10.20956/ejsa.vi.19081 https://doi.org/10.20956/ejsa.vi.19081 PROPN gp-104 111 2 adusei adusei NOUN gp-104 111 3 , , PUNCT gp-104 111 4 m. m. NOUN gp-104 111 5 ( ( PUNCT gp-104 111 6 2019 2019 NUM gp-104 111 7 ) ) PUNCT gp-104 111 8 . . PUNCT gp-104 112 1 the the DET gp-104 112 2 impact impact NOUN gp-104 112 3 of of ADP gp-104 112 4 bank bank NOUN gp-104 112 5 size size NOUN gp-104 112 6 and and CCONJ gp-104 112 7 funding funding NOUN gp-104 112 8 risk risk NOUN gp-104 112 9 on on ADP gp-104 112 10 bank bank NOUN gp-104 112 11 stability stability NOUN gp-104 112 12 . . PUNCT gp-104 113 1 cogent cogent NOUN gp-104 113 2 economics economic NOUN gp-104 113 3 and and CCONJ gp-104 113 4 finance finance NOUN gp-104 113 5 , , PUNCT gp-104 113 6 3(1 3(1 NUM gp-104 113 7 ) ) PUNCT gp-104 113 8 . . PUNCT gp-104 114 1 https://doi.org/10.1080/23322039.2015.1111489 https://doi.org/10.1080/23322039.2015.1111489 PROPN gp-104 114 2 ahi ahi PROPN gp-104 114 3 , , PUNCT gp-104 114 4 k. k. PROPN gp-104 114 5 , , PUNCT gp-104 114 6 & & CCONJ gp-104 114 7 laidroo laidroo PROPN gp-104 114 8 , , PUNCT gp-104 114 9 l. l. PROPN gp-104 114 10 ( ( PUNCT gp-104 114 11 2019 2019 NUM gp-104 114 12 ) ) PUNCT gp-104 114 13 . . PUNCT gp-104 115 1 banking banking NOUN gp-104 115 2 market market NOUN gp-104 115 3 competition competition NOUN gp-104 115 4 in in ADP gp-104 115 5 europe europe PROPN gp-104 115 6 β€” β€” PUNCT gp-104 115 7 financial financial ADJ gp-104 115 8 stability stability NOUN gp-104 115 9 or or CCONJ gp-104 115 10 fragility fragility NOUN gp-104 115 11 enhancing enhancing NOUN gp-104 115 12 ? ? PUNCT gp-104 116 1 quantitative quantitative ADJ gp-104 116 2 finance finance NOUN gp-104 116 3 and and CCONJ gp-104 116 4 economics economic NOUN gp-104 116 5 , , PUNCT gp-104 116 6 3(2 3(2 NUM gp-104 116 7 ) ) PUNCT gp-104 116 8 , , PUNCT gp-104 116 9 257–285 257–285 NUM gp-104 116 10 . . PUNCT gp-104 117 1 https://doi.org/10.3934/qfe.2019.2.257 https://doi.org/10.3934/qfe.2019.2.257 PROPN gp-104 117 2 ahmad ahmad PROPN gp-104 117 3 fatoni fatoni PROPN gp-104 117 4 . . PUNCT gp-104 118 1 ( ( PUNCT gp-104 118 2 2022 2022 NUM gp-104 118 3 ) ) PUNCT gp-104 118 4 . . PUNCT gp-104 119 1 pengaruh pengaruh PROPN gp-104 119 2 kebijakan kebijakan PROPN gp-104 119 3 restrukturisasi restrukturisasi PROPN gp-104 119 4 pembiayaan pembiayaan PROPN gp-104 119 5 , , PUNCT gp-104 119 6 ukuran ukuran ADJ gp-104 119 7 bank bank PROPN gp-104 119 8 , , PUNCT gp-104 119 9 non non AUX gp-104 119 10 performing perform VERB gp-104 119 11 financing financing NOUN gp-104 119 12 , , PUNCT gp-104 119 13 dan dan PROPN gp-104 119 14 produk produk PROPN gp-104 119 15 domestik domestik PROPN gp-104 119 16 bruto bruto PROPN gp-104 119 17 terhadap terhadap PROPN gp-104 119 18 stabilitas stabilitas PROPN gp-104 119 19 perbankan perbankan PROPN gp-104 119 20 syariah syariah PROPN gp-104 119 21 di di PROPN gp-104 119 22 indonesia indonesia PROPN gp-104 119 23 : : PUNCT gp-104 119 24 bukti bukti PROPN gp-104 119 25 empiris empiris PROPN gp-104 119 26 di di PROPN gp-104 119 27 tengah tengah PROPN gp-104 119 28 pandemi pandemi PROPN gp-104 119 29 covid covid PROPN gp-104 119 30 19 19 NUM gp-104 119 31 . . PUNCT gp-104 120 1 jurnal jurnal ADJ gp-104 120 2 ilmiah ilmiah PROPN gp-104 120 3 ekonomi ekonomi PROPN gp-104 120 4 dan dan PROPN gp-104 120 5 bisnis bisnis PROPN gp-104 120 6 , , PUNCT gp-104 120 7 19(2 19(2 NUM gp-104 120 8 ) ) PUNCT gp-104 120 9 , , PUNCT gp-104 120 10 140–148 140–148 NUM gp-104 120 11 . . PUNCT gp-104 120 12 https://doi.org/10.31849/jieb.v19i2.7124 https://doi.org/10.31849/jieb.v19i2.7124 PROPN gp-104 120 13 ahmad ahmad PROPN gp-104 120 14 , , PUNCT gp-104 120 15 s. s. PROPN gp-104 120 16 , , PUNCT gp-104 120 17 wan wan PROPN gp-104 120 18 ahmad ahmad PROPN gp-104 120 19 , , PUNCT gp-104 120 20 w. w. PROPN gp-104 120 21 m. m. PROPN gp-104 120 22 , , PUNCT gp-104 120 23 & & CCONJ gp-104 120 24 shaharuddin shaharuddin PROPN gp-104 120 25 , , PUNCT gp-104 120 26 s. s. PROPN gp-104 120 27 s. s. PROPN gp-104 120 28 ( ( PUNCT gp-104 120 29 2022 2022 NUM gp-104 120 30 ) ) PUNCT gp-104 120 31 . . PUNCT gp-104 120 32 is be AUX gp-104 120 33 excess excess ADJ gp-104 120 34 of of ADP gp-104 120 35 everything everything PRON gp-104 120 36 bad bad ADJ gp-104 120 37 ? ? PUNCT gp-104 121 1 ramifications ramification NOUN gp-104 121 2 of of ADP gp-104 121 3 excess excess ADJ gp-104 121 4 liquidity liquidity NOUN gp-104 121 5 on on ADP gp-104 121 6 bank bank NOUN gp-104 121 7 stability stability NOUN gp-104 121 8 : : PUNCT gp-104 121 9 evidence evidence NOUN gp-104 121 10 from from ADP gp-104 121 11 the the DET gp-104 121 12 dual dual ADJ gp-104 121 13 banking banking NOUN gp-104 121 14 system system NOUN gp-104 121 15 . . PUNCT gp-104 122 1 borsa borsa PROPN gp-104 122 2 istanbul istanbul PROPN gp-104 122 3 review review PROPN gp-104 122 4 , , PUNCT gp-104 122 5 22 22 NUM gp-104 122 6 , , PUNCT gp-104 122 7 s92 s92 NOUN gp-104 122 8 – – PUNCT gp-104 122 9 s107 s107 PROPN gp-104 122 10 . . PUNCT gp-104 122 11 https://doi.org/10.1016/j.bir.2022.09.008 https://doi.org/10.1016/j.bir.2022.09.008 PROPN gp-104 122 12 amanda amanda PROPN gp-104 122 13 , , PUNCT gp-104 122 14 c. c. PROPN gp-104 122 15 ( ( PUNCT gp-104 122 16 2023 2023 NUM gp-104 122 17 ) ) PUNCT gp-104 122 18 . . PUNCT gp-104 123 1 rural rural ADJ gp-104 123 2 banking banking PROPN gp-104 123 3 spatial spatial ADJ gp-104 123 4 competition competition NOUN gp-104 123 5 and and CCONJ gp-104 123 6 stability stability NOUN gp-104 123 7 . . PUNCT gp-104 124 1 economic economic ADJ gp-104 124 2 analysis analysis NOUN gp-104 124 3 and and CCONJ gp-104 124 4 policy policy NOUN gp-104 124 5 , , PUNCT gp-104 124 6 78 78 NUM gp-104 124 7 , , PUNCT gp-104 124 8 492–504 492–504 NUM gp-104 124 9 . . PUNCT gp-104 125 1 https://doi.org/10.1016/j.eap.2023.03.021 https://doi.org/10.1016/j.eap.2023.03.021 NOUN gp-104 125 2 anggraini anggraini NOUN gp-104 125 3 , , PUNCT gp-104 125 4 f. f. PROPN gp-104 125 5 , , PUNCT gp-104 125 6 taufik taufik PROPN gp-104 125 7 , , PUNCT gp-104 125 8 t. t. NOUN gp-104 125 9 , , PUNCT gp-104 125 10 muizzuddin muizzuddin NOUN gp-104 125 11 , , PUNCT gp-104 125 12 m. m. NOUN gp-104 125 13 , , PUNCT gp-104 125 14 & & CCONJ gp-104 125 15 andriana andriana PROPN gp-104 125 16 , , PUNCT gp-104 125 17 i. i. PROPN gp-104 125 18 ( ( PUNCT gp-104 125 19 2023 2023 NUM gp-104 125 20 ) ) PUNCT gp-104 125 21 . . PUNCT gp-104 126 1 analisis analisis NOUN gp-104 126 2 stabilitas stabilitas PROPN gp-104 126 3 perbankan perbankan PROPN gp-104 126 4 syariah syariah PROPN gp-104 126 5 dan dan PROPN gp-104 126 6 konvensional konvensional PROPN gp-104 126 7 di di PROPN gp-104 126 8 negara negara PROPN gp-104 126 9 - - PUNCT gp-104 126 10 negara negara PROPN gp-104 126 11 kawasan kawasan PROPN gp-104 126 12 mena mena PROPN gp-104 126 13 . . PUNCT gp-104 127 1 al al PROPN gp-104 127 2 - - PUNCT gp-104 127 3 kharaj kharaj PROPN gp-104 127 4 β€― β€― SPACE gp-104 127 5 : : PUNCT gp-104 127 6 jurnal jurnal ADJ gp-104 127 7 ekonomi ekonomi PROPN gp-104 127 8 , , PUNCT gp-104 127 9 keuangan keuangan PROPN gp-104 127 10 & & CCONJ gp-104 127 11 bisnis bisnis PROPN gp-104 127 12 syariah syariah PROPN gp-104 127 13 , , PUNCT gp-104 127 14 6(2 6(2 NUM gp-104 127 15 ) ) PUNCT gp-104 127 16 , , PUNCT gp-104 127 17 609–621 609–621 NUM gp-104 127 18 . . PUNCT gp-104 128 1 https://doi.org/10.47467/alkharaj.v6i2.3801 https://doi.org/10.47467/alkharaj.v6i2.3801 PROPN gp-104 128 2 arping arping PROPN gp-104 128 3 , , PUNCT gp-104 128 4 s. s. PROPN gp-104 128 5 ( ( PUNCT gp-104 128 6 2019 2019 NUM gp-104 128 7 ) ) PUNCT gp-104 128 8 . . PUNCT gp-104 129 1 competition competition NOUN gp-104 129 2 and and CCONJ gp-104 129 3 risk risk NOUN gp-104 129 4 taking take VERB gp-104 129 5 in in ADP gp-104 129 6 banking banking NOUN gp-104 129 7 β€― β€― SPACE gp-104 129 8 : : PUNCT gp-104 129 9 the the DET gp-104 129 10 charter charter NOUN gp-104 129 11 value value NOUN gp-104 129 12 hypothesis hypothesis NOUN gp-104 129 13 revisited revisit VERB gp-104 129 14 r. r. PROPN gp-104 129 15 107 107 PROPN gp-104 129 16 . . PUNCT gp-104 130 1 https://doi.org/10.1016/j.jbankfin.2019.105609 https://doi.org/10.1016/j.jbankfin.2019.105609 PROPN gp-104 130 2 dutta dutta PROPN gp-104 130 3 , , PUNCT gp-104 130 4 k. k. PROPN gp-104 130 5 d. d. PROPN gp-104 130 6 , , PUNCT gp-104 130 7 & & CCONJ gp-104 130 8 saha saha PROPN gp-104 130 9 , , PUNCT gp-104 130 10 m. m. NOUN gp-104 130 11 ( ( PUNCT gp-104 130 12 2021 2021 NUM gp-104 130 13 ) ) PUNCT gp-104 130 14 . . PUNCT gp-104 131 1 do do VERB gp-104 131 2 competition competition NOUN gp-104 131 3 and and CCONJ gp-104 131 4 efficiency efficiency NOUN gp-104 131 5 lead lead NOUN gp-104 131 6 to to ADP gp-104 131 7 bank bank NOUN gp-104 131 8 stability stability NOUN gp-104 131 9 ? ? PUNCT gp-104 132 1 evidence evidence NOUN gp-104 132 2 from from ADP gp-104 132 3 bangladesh bangladesh PROPN gp-104 132 4 . . PUNCT gp-104 133 1 future future ADJ gp-104 133 2 business business NOUN gp-104 133 3 journal journal NOUN gp-104 133 4 , , PUNCT gp-104 133 5 7(1 7(1 NUM gp-104 133 6 ) ) PUNCT gp-104 133 7 . . PUNCT gp-104 134 1 https://doi.org/10.1186/s43093-020-00047-4 https://doi.org/10.1186/s43093-020-00047-4 PROPN gp-104 134 2 erfan erfan NOUN gp-104 134 3 , , PUNCT gp-104 134 4 r. r. PROPN gp-104 134 5 , , PUNCT gp-104 134 6 muizzuddin muizzuddin NOUN gp-104 134 7 , , PUNCT gp-104 134 8 & & CCONJ gp-104 134 9 taufik taufik PROPN gp-104 134 10 . . PUNCT gp-104 135 1 ( ( PUNCT gp-104 135 2 2023 2023 NUM gp-104 135 3 ) ) PUNCT gp-104 135 4 . . PUNCT gp-104 136 1 loan loan NOUN gp-104 136 2 growth growth NOUN gp-104 136 3 and and CCONJ gp-104 136 4 bank bank NOUN gp-104 136 5 risk risk NOUN gp-104 136 6 ; ; PUNCT gp-104 136 7 empirical empirical ADJ gp-104 136 8 study study NOUN gp-104 136 9 on on ADP gp-104 136 10 commercial commercial ADJ gp-104 136 11 banks bank NOUN gp-104 136 12 in in ADP gp-104 136 13 asia asia PROPN gp-104 136 14 - - PUNCT gp-104 136 15 pacific pacific PROPN gp-104 136 16 . . PUNCT gp-104 137 1 the the DET gp-104 137 2 8th 8th ADJ gp-104 137 3 indonesian indonesian ADJ gp-104 137 4 finance finance PROPN gp-104 137 5 association association PROPN gp-104 137 6 international international PROPN gp-104 137 7 conference conference NOUN gp-104 137 8 , , PUNCT gp-104 137 9 1 1 NUM gp-104 137 10 , , PUNCT gp-104 137 11 278–303 278–303 NUM gp-104 137 12 . . PUNCT gp-104 138 1 maudy maudy ADJ gp-104 138 2 , , PUNCT gp-104 138 3 isni isni PROPN gp-104 138 4 andriana andriana PROPN gp-104 138 5 , , PUNCT gp-104 138 6 mu’izzuddin mu’izzuddin PROPN gp-104 138 7 , , PUNCT gp-104 138 8 marlina marlina PROPN gp-104 138 9 widiyanti widiyanti PROPN gp-104 138 10 203 203 NUM gp-104 138 11 erward erward NOUN gp-104 138 12 , , PUNCT gp-104 138 13 a. a. NOUN gp-104 138 14 i. i. PROPN gp-104 138 15 ( ( PUNCT gp-104 138 16 1968 1968 NUM gp-104 138 17 ) ) PUNCT gp-104 138 18 . . PUNCT gp-104 139 1 financial financial ADJ gp-104 139 2 ratios ratio NOUN gp-104 139 3 , , PUNCT gp-104 139 4 discriminant discriminant ADJ gp-104 139 5 analysis analysis NOUN gp-104 139 6 and and CCONJ gp-104 139 7 the the DET gp-104 139 8 prediction prediction NOUN gp-104 139 9 of of ADP gp-104 139 10 corporate corporate ADJ gp-104 139 11 bankruptcy bankruptcy NOUN gp-104 139 12 . . PUNCT gp-104 140 1 he he PRON gp-104 140 2 journal journal PROPN gp-104 140 3 of of ADP gp-104 140 4 finance finance NOUN gp-104 140 5 , , PUNCT gp-104 140 6 22(4 22(4 NUM gp-104 140 7 ) ) PUNCT gp-104 140 8 , , PUNCT gp-104 140 9 589–609 589–609 NUM gp-104 140 10 . . PUNCT gp-104 141 1 fauziah fauziah PROPN gp-104 141 2 , , PUNCT gp-104 141 3 ayu ayu PROPN gp-104 141 4 , , PUNCT gp-104 141 5 f. f. PROPN gp-104 141 6 , , PUNCT gp-104 141 7 & & CCONJ gp-104 141 8 hidayatin hidayatin PROPN gp-104 141 9 , , PUNCT gp-104 141 10 n. n. PROPN gp-104 141 11 n. n. PROPN gp-104 141 12 ( ( PUNCT gp-104 141 13 2020 2020 NUM gp-104 141 14 ) ) PUNCT gp-104 141 15 . . PUNCT gp-104 142 1 inklusi inklusi PROPN gp-104 142 2 keuangan keuangan PROPN gp-104 142 3 dan dan PROPN gp-104 142 4 stabilitas stabilitas PROPN gp-104 142 5 sistem sistem PROPN gp-104 142 6 keuangan keuangan PROPN gp-104 142 7 ( ( PUNCT gp-104 142 8 bank bank NOUN gp-104 142 9 z z NOUN gp-104 142 10 - - PUNCT gp-104 142 11 score score NOUN gp-104 142 12 ) ) PUNCT gp-104 142 13 di di PROPN gp-104 142 14 asia asia PROPN gp-104 142 15 jurusan jurusan PROPN gp-104 142 16 administrasi administrasi PROPN gp-104 142 17 niaga niaga NOUN gp-104 142 18 , , PUNCT gp-104 142 19 politeknik politeknik PROPN gp-104 142 20 negeri negeri PROPN gp-104 142 21 malang malang PROPN gp-104 142 22 , , PUNCT gp-104 142 23 indonesia indonesia PROPN gp-104 142 24 . . PROPN gp-104 142 25 journal journal PROPN gp-104 142 26 ekonomi ekonomi PROPN gp-104 142 27 dan dan PROPN gp-104 142 28 kewirausahaan kewirausahaan PROPN gp-104 142 29 , , PUNCT gp-104 142 30 14(1 14(1 NUM gp-104 142 31 ) ) PUNCT gp-104 142 32 , , PUNCT gp-104 142 33 30–47 30–47 NUM gp-104 142 34 . . PUNCT gp-104 142 35 gumanica gumanica PROPN gp-104 142 36 , , PUNCT gp-104 142 37 m. m. NOUN gp-104 142 38 ( ( PUNCT gp-104 142 39 2022 2022 NUM gp-104 142 40 ) ) PUNCT gp-104 142 41 . . PUNCT gp-104 143 1 analisis analisis ADJ gp-104 143 2 pengaruh pengaruh NOUN gp-104 143 3 kompetisi kompetisi VERB gp-104 143 4 , , PUNCT gp-104 143 5 capital capital NOUN gp-104 143 6 buffer buffer NOUN gp-104 143 7 , , PUNCT gp-104 143 8 inklusi inklusi ADJ gp-104 143 9 keuangan keuangan NOUN gp-104 143 10 , , PUNCT gp-104 143 11 dan dan PROPN gp-104 143 12 ukuran ukuran PROPN gp-104 143 13 bank bank PROPN gp-104 143 14 terhadap terhadap PROPN gp-104 143 15 stabilitas stabilitas PROPN gp-104 143 16 perbankandi perbankandi PROPN gp-104 143 17 indonesia indonesia PROPN gp-104 143 18 . . PUNCT gp-104 144 1 contemporary contemporary ADJ gp-104 144 2 studies study NOUN gp-104 144 3 in in ADP gp-104 144 4 economic economic ADJ gp-104 144 5 , , PUNCT gp-104 144 6 1(2 1(2 NUM gp-104 144 7 ) ) PUNCT gp-104 144 8 , , PUNCT gp-104 144 9 283–296 283–296 NUM gp-104 144 10 . . PUNCT gp-104 145 1 hertina hertina ADJ gp-104 145 2 , , PUNCT gp-104 145 3 u. u. PROPN gp-104 145 4 , , PUNCT gp-104 145 5 astuti astuti PROPN gp-104 145 6 , , PUNCT gp-104 145 7 w. w. PROPN gp-104 145 8 , , PUNCT gp-104 145 9 mahardika mahardika PROPN gp-104 145 10 , , PUNCT gp-104 145 11 p. p. NOUN gp-104 145 12 , , PUNCT gp-104 145 13 & & CCONJ gp-104 145 14 saputra saputra PROPN gp-104 145 15 , , PUNCT gp-104 145 16 a. a. NOUN gp-104 145 17 ( ( PUNCT gp-104 145 18 2019 2019 NUM gp-104 145 19 ) ) PUNCT gp-104 145 20 . . PUNCT gp-104 146 1 efficiency efficiency NOUN gp-104 146 2 and and CCONJ gp-104 146 3 competition competition NOUN gp-104 146 4 in in ADP gp-104 146 5 banking banking NOUN gp-104 146 6 industry industry NOUN gp-104 146 7 β€― β€― SPACE gp-104 146 8 : : PUNCT gp-104 146 9 case case NOUN gp-104 146 10 for for ADP gp-104 146 11 asean-5 asean-5 NUM gp-104 146 12 countries country NOUN gp-104 146 13 . . PUNCT gp-104 147 1 66(2 66(2 NUM gp-104 147 2 ) ) PUNCT gp-104 147 3 , , PUNCT gp-104 148 1 141–152 141–152 NUM gp-104 148 2 . . PUNCT gp-104 149 1 https://doi.org/10.2478/saeb-2019-0011 https://doi.org/10.2478/saeb-2019-0011 PROPN gp-104 149 2 huizhi huizhi PROPN gp-104 149 3 , , PUNCT gp-104 149 4 l. l. PROPN gp-104 149 5 , , PUNCT gp-104 149 6 & & CCONJ gp-104 149 7 xianghua xianghua PROPN gp-104 149 8 , , PUNCT gp-104 149 9 y. y. PROPN gp-104 149 10 ( ( PUNCT gp-104 149 11 2023 2023 NUM gp-104 149 12 ) ) PUNCT gp-104 149 13 . . PUNCT gp-104 150 1 jo jo PROPN gp-104 150 2 ur ur INTJ gp-104 151 1 na na VERB gp-104 151 2 l l NOUN gp-104 151 3 p p X gp-104 151 4 re re ADP gp-104 151 5 r r NOUN gp-104 151 6 oo oo PROPN gp-104 151 7 f. f. PROPN gp-104 151 8 heliyon heliyon PROPN gp-104 151 9 , , PUNCT gp-104 151 10 e21378 e21378 PROPN gp-104 151 11 . . PUNCT gp-104 152 1 https://doi.org/10.1016/j.heliyon.2023.e21378 https://doi.org/10.1016/j.heliyon.2023.e21378 PROPN gp-104 152 2 ibrahim ibrahim PROPN gp-104 152 3 , , PUNCT gp-104 152 4 m. m. PROPN gp-104 152 5 h. h. PROPN gp-104 152 6 , , PUNCT gp-104 152 7 salim salim PROPN gp-104 152 8 , , PUNCT gp-104 152 9 k. k. PROPN gp-104 152 10 , , PUNCT gp-104 152 11 abojeib abojeib PROPN gp-104 152 12 , , PUNCT gp-104 152 13 m. m. NOUN gp-104 152 14 , , PUNCT gp-104 152 15 & & CCONJ gp-104 152 16 wee wee PROPN gp-104 152 17 , , PUNCT gp-104 152 18 l. l. PROPN gp-104 152 19 ( ( PUNCT gp-104 152 20 2019 2019 NUM gp-104 152 21 ) ) PUNCT gp-104 152 22 . . PUNCT gp-104 153 1 structural structural ADJ gp-104 153 2 changes change NOUN gp-104 153 3 , , PUNCT gp-104 153 4 competition competition NOUN gp-104 153 5 and and CCONJ gp-104 153 6 bank bank NOUN gp-104 153 7 stability stability NOUN gp-104 153 8 in in ADP gp-104 153 9 malaysia malaysia PROPN gp-104 153 10 ’ ' PUNCT gp-104 153 11 s s PART gp-104 153 12 dual dual ADJ gp-104 153 13 banking banking NOUN gp-104 153 14 system system NOUN gp-104 153 15 . . PUNCT gp-104 154 1 economic economic ADJ gp-104 154 2 systems system NOUN gp-104 154 3 , , PUNCT gp-104 154 4 43(1 43(1 NOUN gp-104 154 5 ) ) PUNCT gp-104 154 6 , , PUNCT gp-104 154 7 111 111 NUM gp-104 154 8 – – PUNCT gp-104 154 9 129 129 NUM gp-104 154 10 . . PUNCT gp-104 155 1 https://doi.org/10.1016/j.ecosys.2018.09.001 https://doi.org/10.1016/j.ecosys.2018.09.001 PROPN gp-104 155 2 ijaz ijaz PROPN gp-104 155 3 , , PUNCT gp-104 155 4 s. s. PROPN gp-104 155 5 , , PUNCT gp-104 155 6 hassan hassan PROPN gp-104 155 7 , , PUNCT gp-104 155 8 a. a. NOUN gp-104 155 9 , , PUNCT gp-104 155 10 tarazi tarazi NOUN gp-104 155 11 , , PUNCT gp-104 155 12 a. a. NOUN gp-104 155 13 , , PUNCT gp-104 155 14 & & CCONJ gp-104 155 15 fraz fraz PROPN gp-104 155 16 , , PUNCT gp-104 155 17 a. a. NOUN gp-104 155 18 ( ( PUNCT gp-104 155 19 2020 2020 NUM gp-104 155 20 ) ) PUNCT gp-104 155 21 . . PUNCT gp-104 156 1 linking link VERB gp-104 156 2 bank bank NOUN gp-104 156 3 competition competition NOUN gp-104 156 4 , , PUNCT gp-104 156 5 financial financial ADJ gp-104 156 6 stability stability NOUN gp-104 156 7 , , PUNCT gp-104 156 8 and and CCONJ gp-104 156 9 economic economic ADJ gp-104 156 10 growth growth NOUN gp-104 156 11 . . PUNCT gp-104 157 1 journal journal NOUN gp-104 157 2 of of ADP gp-104 157 3 business business NOUN gp-104 157 4 economics economic NOUN gp-104 157 5 and and CCONJ gp-104 157 6 management management NOUN gp-104 157 7 , , PUNCT gp-104 157 8 21(1 21(1 NUM gp-104 157 9 ) ) PUNCT gp-104 157 10 , , PUNCT gp-104 157 11 200–221 200–221 NUM gp-104 157 12 . . PUNCT gp-104 158 1 https://doi.org/10.3846/jbem.2020.11761 https://doi.org/10.3846/jbem.2020.11761 PROPN gp-104 158 2 kanas kanas PROPN gp-104 158 3 , , PUNCT gp-104 158 4 a. a. PROPN gp-104 158 5 , , PUNCT gp-104 158 6 hassan hassan PROPN gp-104 158 7 al al PROPN gp-104 158 8 - - PUNCT gp-104 158 9 tamimi tamimi PROPN gp-104 158 10 , , PUNCT gp-104 158 11 h. h. PROPN gp-104 158 12 a. a. PROPN gp-104 158 13 , , PUNCT gp-104 158 14 albaity albaity NOUN gp-104 158 15 , , PUNCT gp-104 158 16 m. m. NOUN gp-104 158 17 , , PUNCT gp-104 158 18 & & CCONJ gp-104 158 19 mallek mallek PROPN gp-104 158 20 , , PUNCT gp-104 158 21 r. r. PROPN gp-104 158 22 s. s. PROPN gp-104 158 23 ( ( PUNCT gp-104 158 24 2019 2019 NUM gp-104 158 25 ) ) PUNCT gp-104 158 26 . . PUNCT gp-104 159 1 bank bank NOUN gp-104 159 2 competition competition NOUN gp-104 159 3 , , PUNCT gp-104 159 4 stability stability NOUN gp-104 159 5 , , PUNCT gp-104 159 6 and and CCONJ gp-104 159 7 intervention intervention NOUN gp-104 159 8 quality quality NOUN gp-104 159 9 . . PUNCT gp-104 160 1 international international ADJ gp-104 160 2 journal journal PROPN gp-104 160 3 of of ADP gp-104 160 4 finance finance NOUN gp-104 160 5 and and CCONJ gp-104 160 6 economics economic NOUN gp-104 160 7 , , PUNCT gp-104 160 8 24(1 24(1 NUM gp-104 160 9 ) ) PUNCT gp-104 160 10 , , PUNCT gp-104 160 11 568–587 568–587 NUM gp-104 160 12 . . PUNCT gp-104 160 13 https://doi.org/10.1002/ijfe.1680 https://doi.org/10.1002/ijfe.1680 PROPN gp-104 160 14 kasmir kasmir PROPN gp-104 160 15 . . PUNCT gp-104 161 1 ( ( PUNCT gp-104 161 2 2016 2016 NUM gp-104 161 3 ) ) PUNCT gp-104 161 4 . . PUNCT gp-104 162 1 analisis analisis ADJ gp-104 162 2 laporan laporan ADJ gp-104 162 3 keuangan keuangan NOUN gp-104 162 4 ( ( PUNCT gp-104 162 5 1st 1st ADJ gp-104 162 6 ed ed NOUN gp-104 162 7 . . PUNCT gp-104 162 8 ) ) PUNCT gp-104 162 9 . . PUNCT gp-104 163 1 raja raja PROPN gp-104 163 2 grafindo grafindo PROPN gp-104 163 3 persada persada PROPN gp-104 163 4 . . PUNCT gp-104 164 1 kim kim PROPN gp-104 164 2 , , PUNCT gp-104 164 3 h. h. PROPN gp-104 164 4 , , PUNCT gp-104 164 5 batten batten NOUN gp-104 164 6 , , PUNCT gp-104 164 7 j. j. PROPN gp-104 164 8 a. a. PROPN gp-104 164 9 , , PUNCT gp-104 164 10 & & CCONJ gp-104 164 11 ryu ryu PROPN gp-104 164 12 , , PUNCT gp-104 164 13 d. d. PROPN gp-104 164 14 ( ( PUNCT gp-104 164 15 2020 2020 NUM gp-104 164 16 ) ) PUNCT gp-104 164 17 . . PUNCT gp-104 165 1 financial financial ADJ gp-104 165 2 crisis crisis NOUN gp-104 165 3 , , PUNCT gp-104 165 4 bank bank NOUN gp-104 165 5 diversification diversification NOUN gp-104 165 6 , , PUNCT gp-104 165 7 and and CCONJ gp-104 165 8 financial financial ADJ gp-104 165 9 stability stability NOUN gp-104 165 10 : : PUNCT gp-104 165 11 oecd oecd PROPN gp-104 165 12 countries country NOUN gp-104 165 13 . . PUNCT gp-104 166 1 international international ADJ gp-104 166 2 review review NOUN gp-104 166 3 of of ADP gp-104 166 4 economics economic NOUN gp-104 166 5 and and CCONJ gp-104 166 6 finance finance NOUN gp-104 166 7 , , PUNCT gp-104 166 8 65(january 65(january NUM gp-104 166 9 2019 2019 NUM gp-104 166 10 ) ) PUNCT gp-104 166 11 , , PUNCT gp-104 166 12 94–104 94–104 PROPN gp-104 166 13 . . PUNCT gp-104 167 1 https://doi.org/10.1016/j.iref.2019.08.009 https://doi.org/10.1016/j.iref.2019.08.009 PROPN gp-104 167 2 kosmaryati kosmaryati PROPN gp-104 167 3 , , PUNCT gp-104 167 4 k. k. PROPN gp-104 167 5 , , PUNCT gp-104 167 6 handayani handayani PROPN gp-104 167 7 , , PUNCT gp-104 167 8 c. c. PROPN gp-104 167 9 a. a. PROPN gp-104 167 10 , , PUNCT gp-104 167 11 isfahani isfahani NOUN gp-104 167 12 , , PUNCT gp-104 167 13 r. r. PROPN gp-104 167 14 n. n. PROPN gp-104 167 15 , , PUNCT gp-104 167 16 & & CCONJ gp-104 167 17 widodo widodo PROPN gp-104 167 18 , , PUNCT gp-104 167 19 e. e. PROPN gp-104 167 20 ( ( PUNCT gp-104 167 21 2019 2019 NUM gp-104 167 22 ) ) PUNCT gp-104 167 23 . . PUNCT gp-104 168 1 faktor faktor NOUN gp-104 168 2 - - PUNCT gp-104 168 3 faktor faktor PROPN gp-104 168 4 yang yang PROPN gp-104 168 5 mempengaruhi mempengaruhi PROPN gp-104 168 6 kriminalitas kriminalitas PROPN gp-104 168 7 di di PROPN gp-104 168 8 indonesia indonesia PROPN gp-104 168 9 tahun tahun PROPN gp-104 168 10 2011 2011 NUM gp-104 168 11 - - SYM gp-104 168 12 2016 2016 NUM gp-104 168 13 dengan dengan PROPN gp-104 168 14 regresi regresi PROPN gp-104 168 15 data data PROPN gp-104 168 16 panel panel PROPN gp-104 168 17 . . PUNCT gp-104 169 1 indonesian indonesian ADJ gp-104 169 2 journal journal PROPN gp-104 169 3 of of ADP gp-104 169 4 applied applied ADJ gp-104 169 5 statistics statistic NOUN gp-104 169 6 , , PUNCT gp-104 169 7 2(1 2(1 NUM gp-104 169 8 ) ) PUNCT gp-104 169 9 , , PUNCT gp-104 169 10 10 10 NUM gp-104 169 11 . . PUNCT gp-104 170 1 https://doi.org/10.13057/ijas.v2i1.27932 https://doi.org/10.13057/ijas.v2i1.27932 PROPN gp-104 170 2 lee lee PROPN gp-104 170 3 , , PUNCT gp-104 170 4 c. c. PROPN gp-104 170 5 , , PUNCT gp-104 170 6 ni ni PROPN gp-104 170 7 , , PUNCT gp-104 170 8 w. w. PROPN gp-104 170 9 , , PUNCT gp-104 170 10 & & CCONJ gp-104 170 11 zhang zhang PROPN gp-104 170 12 , , PUNCT gp-104 170 13 x. x. NOUN gp-104 170 14 ( ( PUNCT gp-104 170 15 2023 2023 NUM gp-104 170 16 ) ) PUNCT gp-104 170 17 . . PUNCT gp-104 171 1 fintech fintech NOUN gp-104 171 2 development development NOUN gp-104 171 3 and and CCONJ gp-104 171 4 commercial commercial ADJ gp-104 171 5 bank bank NOUN gp-104 171 6 efficiency efficiency NOUN gp-104 171 7 in in ADP gp-104 171 8 china china PROPN gp-104 171 9 . . PUNCT gp-104 172 1 global global ADJ gp-104 172 2 finance finance PROPN gp-104 172 3 journal journal NOUN gp-104 172 4 , , PUNCT gp-104 172 5 57(november 57(november NOUN gp-104 172 6 2022 2022 NUM gp-104 172 7 ) ) PUNCT gp-104 172 8 , , PUNCT gp-104 172 9 100850 100850 NUM gp-104 172 10 . . PUNCT gp-104 173 1 https://doi.org/10.1016/j.gfj.2023.100850 https://doi.org/10.1016/j.gfj.2023.100850 PROPN gp-104 173 2 leroy leroy PROPN gp-104 173 3 , , PUNCT gp-104 173 4 a. a. PROPN gp-104 173 5 , , PUNCT gp-104 173 6 & & CCONJ gp-104 173 7 lucotte lucotte PROPN gp-104 173 8 , , PUNCT gp-104 173 9 y. y. PROPN gp-104 173 10 ( ( PUNCT gp-104 173 11 2019 2019 NUM gp-104 173 12 ) ) PUNCT gp-104 173 13 . . PUNCT gp-104 174 1 competition competition NOUN gp-104 174 2 and and CCONJ gp-104 174 3 credit credit NOUN gp-104 174 4 procyclicality procyclicality NOUN gp-104 174 5 in in ADP gp-104 174 6 european european PROPN gp-104 174 7 banking banking PROPN gp-104 174 8 r. r. PROPN gp-104 174 9 99 99 NUM gp-104 174 10 , , PUNCT gp-104 174 11 237–251 237–251 NUM gp-104 174 12 . . PUNCT gp-104 175 1 https://doi.org/10.1016/j.jbankfin.2018.12.004 https://doi.org/10.1016/j.jbankfin.2018.12.004 NOUN gp-104 175 2 martaningtyas martaningtyas NOUN gp-104 175 3 , , PUNCT gp-104 175 4 n. n. PROPN gp-104 175 5 u. u. PROPN gp-104 175 6 , , PUNCT gp-104 175 7 septiyaningrum septiyaningrum PROPN gp-104 175 8 , , PUNCT gp-104 175 9 e. e. PROPN gp-104 175 10 a. a. PROPN gp-104 175 11 , , PUNCT gp-104 175 12 & & CCONJ gp-104 175 13 maulana maulana PROPN gp-104 175 14 , , PUNCT gp-104 175 15 z. z. PROPN gp-104 175 16 ( ( PUNCT gp-104 175 17 2024 2024 NUM gp-104 175 18 ) ) PUNCT gp-104 175 19 . . PUNCT gp-104 176 1 dampak dampak PROPN gp-104 176 2 pelanggaran pelanggaran PROPN gp-104 176 3 asumsi asumsi NOUN gp-104 176 4 klasikterhadap klasikterhadap PROPN gp-104 176 5 kesalahan kesalahan PROPN gp-104 176 6 inferensi inferensi NOUN gp-104 176 7 dalam dalam PROPN gp-104 176 8 analisis analisis NOUN gp-104 176 9 ekonometrika ekonometrika NOUN gp-104 176 10 . . PUNCT gp-104 177 1 synergyjurnal synergyjurnal ADJ gp-104 177 2 ilmiah ilmiah PROPN gp-104 177 3 multidisiplin multidisiplin NOUN gp-104 177 4 , , PUNCT gp-104 177 5 1(4 1(4 NUM gp-104 177 6 ) ) PUNCT gp-104 177 7 , , PUNCT gp-104 177 8 255–265 255–265 NUM gp-104 177 9 . . PUNCT gp-104 178 1 muizzuddin muizzuddin NOUN gp-104 178 2 , , PUNCT gp-104 178 3 tandelilin tandelilin NOUN gp-104 178 4 , , PUNCT gp-104 178 5 e. e. PROPN gp-104 178 6 , , PUNCT gp-104 178 7 hanafi hanafi PROPN gp-104 178 8 , , PUNCT gp-104 178 9 m. m. NOUN gp-104 178 10 m. m. NOUN gp-104 178 11 , , PUNCT gp-104 178 12 & & CCONJ gp-104 178 13 setiyono setiyono PROPN gp-104 178 14 , , PUNCT gp-104 178 15 b. b. PROPN gp-104 178 16 ( ( PUNCT gp-104 178 17 2021 2021 NUM gp-104 178 18 ) ) PUNCT gp-104 178 19 . . PUNCT gp-104 179 1 does do VERB gp-104 179 2 institutional institutional ADJ gp-104 179 3 quality quality NOUN gp-104 179 4 matter matter NOUN gp-104 179 5 in in ADP gp-104 179 6 the the DET gp-104 179 7 relationship relationship NOUN gp-104 179 8 between between ADP gp-104 179 9 competition competition NOUN gp-104 179 10 and and CCONJ gp-104 179 11 bank bank NOUN gp-104 179 12 stability stability NOUN gp-104 179 13 ? ? PUNCT gp-104 180 1 evidence evidence NOUN gp-104 180 2 from from ADP gp-104 180 3 asia asia PROPN gp-104 180 4 . . PUNCT gp-104 181 1 journal journal PROPN gp-104 181 2 of of ADP gp-104 181 3 indonesian indonesian ADJ gp-104 181 4 economy economy NOUN gp-104 181 5 and and CCONJ gp-104 181 6 business business NOUN gp-104 181 7 , , PUNCT gp-104 181 8 36(3 36(3 NUM gp-104 181 9 ) ) PUNCT gp-104 181 10 , , PUNCT gp-104 181 11 283–301 283–301 NUM gp-104 181 12 . . PUNCT gp-104 182 1 https://doi.org/10.22146/jieb.v36i3.1428 https://doi.org/10.22146/jieb.v36i3.1428 VERB gp-104 182 2 american american PROPN gp-104 182 3 journal journal PROPN gp-104 182 4 of of ADP gp-104 182 5 economic economic ADJ gp-104 182 6 and and CCONJ gp-104 182 7 management management NOUN gp-104 182 8 business business NOUN gp-104 182 9 vol vol NOUN gp-104 182 10 . . PROPN gp-104 183 1 3 3 NUM gp-104 183 2 no no NOUN gp-104 183 3 . . NOUN gp-104 183 4 7 7 NUM gp-104 183 5 july july PROPN gp-104 183 6 2024 2024 NUM gp-104 183 7 204 204 NUM gp-104 183 8 nasim nasim PROPN gp-104 183 9 , , PUNCT gp-104 183 10 a. a. PROPN gp-104 183 11 , , PUNCT gp-104 183 12 ullah ullah PROPN gp-104 183 13 , , PUNCT gp-104 183 14 s. s. PROPN gp-104 183 15 , , PUNCT gp-104 183 16 ryong ryong PROPN gp-104 183 17 , , PUNCT gp-104 183 18 j. j. PROPN gp-104 183 19 , , PUNCT gp-104 183 20 & & CCONJ gp-104 183 21 hameed hameed PROPN gp-104 183 22 , , PUNCT gp-104 183 23 a. a. NOUN gp-104 183 24 ( ( PUNCT gp-104 183 25 2023 2023 NUM gp-104 183 26 ) ) PUNCT gp-104 183 27 . . PUNCT gp-104 184 1 energy energy NOUN gp-104 184 2 shocks shock NOUN gp-104 184 3 and and CCONJ gp-104 184 4 bank bank NOUN gp-104 184 5 efficiency efficiency NOUN gp-104 184 6 in in ADP gp-104 184 7 emerging emerge VERB gp-104 184 8 economies economy NOUN gp-104 184 9 . . PUNCT gp-104 185 1 energy energy NOUN gp-104 185 2 economics economic NOUN gp-104 185 3 , , PUNCT gp-104 185 4 126(july 126(july NUM gp-104 185 5 ) ) PUNCT gp-104 185 6 , , PUNCT gp-104 185 7 107005 107005 NUM gp-104 185 8 . . PUNCT gp-104 186 1 https://doi.org/10.1016/j.eneco.2023.107005 https://doi.org/10.1016/j.eneco.2023.107005 PROPN gp-104 186 2 nguyen nguyen PROPN gp-104 186 3 , , PUNCT gp-104 186 4 q. q. PROPN gp-104 186 5 k. k. PROPN gp-104 186 6 , , PUNCT gp-104 186 7 & & CCONJ gp-104 186 8 dang dang PROPN gp-104 186 9 , , PUNCT gp-104 186 10 v. v. CCONJ gp-104 186 11 c. c. PROPN gp-104 186 12 ( ( PUNCT gp-104 186 13 2022 2022 NUM gp-104 186 14 ) ) PUNCT gp-104 186 15 . . PUNCT gp-104 187 1 the the DET gp-104 187 2 impact impact NOUN gp-104 187 3 of of ADP gp-104 187 4 risk risk NOUN gp-104 187 5 governance governance NOUN gp-104 187 6 structure structure NOUN gp-104 187 7 on on ADP gp-104 187 8 bank bank NOUN gp-104 187 9 risk risk NOUN gp-104 187 10 management management NOUN gp-104 187 11 effectiveness effectiveness NOUN gp-104 187 12 : : PUNCT gp-104 187 13 evidence evidence NOUN gp-104 187 14 from from ADP gp-104 187 15 asean asean ADJ gp-104 187 16 countries country NOUN gp-104 187 17 . . PUNCT gp-104 188 1 heliyon heliyon NOUN gp-104 188 2 , , PUNCT gp-104 188 3 8(10 8(10 NUM gp-104 188 4 ) ) PUNCT gp-104 188 5 , , PUNCT gp-104 188 6 e11192 e11192 PROPN gp-104 188 7 . . PUNCT gp-104 189 1 https://doi.org/10.1016/j.heliyon.2022.e11192 https://doi.org/10.1016/j.heliyon.2022.e11192 PROPN gp-104 189 2 nguyen nguyen NOUN gp-104 189 3 , , PUNCT gp-104 189 4 t. t. PROPN gp-104 189 5 p. p. PROPN gp-104 189 6 t. t. PROPN gp-104 189 7 , , PUNCT gp-104 189 8 & & CCONJ gp-104 189 9 nghiem nghiem PROPN gp-104 189 10 , , PUNCT gp-104 189 11 s. s. PROPN gp-104 189 12 o. o. PROPN gp-104 189 13 n. n. PROPN gp-104 189 14 h. h. PROPN gp-104 189 15 ( ( PUNCT gp-104 189 16 2020 2020 NUM gp-104 189 17 ) ) PUNCT gp-104 189 18 . . PUNCT gp-104 190 1 the the DET gp-104 190 2 effects effect NOUN gp-104 190 3 of of ADP gp-104 190 4 competition competition NOUN gp-104 190 5 on on ADP gp-104 190 6 efficiency efficiency NOUN gp-104 190 7 : : PUNCT gp-104 190 8 the the DET gp-104 190 9 vietnamese vietnamese ADJ gp-104 190 10 banking banking NOUN gp-104 190 11 industry industry NOUN gp-104 190 12 experience experience NOUN gp-104 190 13 . . PUNCT gp-104 191 1 singapore singapore PROPN gp-104 191 2 economic economic PROPN gp-104 191 3 review review PROPN gp-104 191 4 , , PUNCT gp-104 191 5 65(6 65(6 NUM gp-104 191 6 ) ) PUNCT gp-104 191 7 , , PUNCT gp-104 191 8 1507–1536 1507–1536 NUM gp-104 191 9 . . PUNCT gp-104 192 1 https://doi.org/10.1142/s0217590817500114 https://doi.org/10.1142/s0217590817500114 PROPN gp-104 192 2 noman noman PROPN gp-104 192 3 , , PUNCT gp-104 192 4 a. a. PROPN gp-104 192 5 h. h. PROPN gp-104 192 6 , , PUNCT gp-104 192 7 gee gee PROPN gp-104 192 8 , , PUNCT gp-104 192 9 c. c. PROPN gp-104 192 10 s. s. PROPN gp-104 192 11 , , PUNCT gp-104 192 12 & & CCONJ gp-104 192 13 isa isa PROPN gp-104 192 14 , , PUNCT gp-104 192 15 c. c. PROPN gp-104 192 16 r. r. PROPN gp-104 192 17 ( ( PUNCT gp-104 192 18 2017 2017 NUM gp-104 192 19 ) ) PUNCT gp-104 192 20 . . PUNCT gp-104 193 1 does do AUX gp-104 193 2 competition competition NOUN gp-104 193 3 improve improve VERB gp-104 193 4 financial financial ADJ gp-104 193 5 stability stability NOUN gp-104 193 6 of of ADP gp-104 193 7 the the DET gp-104 193 8 banking banking NOUN gp-104 193 9 sector sector NOUN gp-104 193 10 in in ADP gp-104 193 11 asean asean ADJ gp-104 193 12 countries country NOUN gp-104 193 13 β€― β€― SPACE gp-104 193 14 ? ? PUNCT gp-104 194 1 an an DET gp-104 194 2 empirical empirical ADJ gp-104 194 3 analysis analysis NOUN gp-104 194 4 . . PUNCT gp-104 195 1 plus plus CCONJ gp-104 195 2 one one NUM gp-104 195 3 , , PUNCT gp-104 195 4 12(5 12(5 NUM gp-104 195 5 ) ) PUNCT gp-104 195 6 , , PUNCT gp-104 195 7 1 1 NUM gp-104 195 8 – – PUNCT gp-104 195 9 27 27 NUM gp-104 195 10 . . PUNCT gp-104 196 1 https://doi.org/https://doi.org/10.1371/journal.pone.0176546 https://doi.org/https://doi.org/10.1371/journal.pone.0176546 PROPN gp-104 196 2 m m PROPN gp-104 196 3 pessarossi pessarossi ADJ gp-104 196 4 , , PUNCT gp-104 196 5 p. p. PROPN gp-104 196 6 , , PUNCT gp-104 196 7 thevenon thevenon NOUN gp-104 196 8 , , PUNCT gp-104 196 9 j. j. PROPN gp-104 196 10 , , PUNCT gp-104 196 11 & & CCONJ gp-104 196 12 weill weill PROPN gp-104 196 13 , , PUNCT gp-104 196 14 l. l. PROPN gp-104 196 15 ( ( PUNCT gp-104 196 16 2020 2020 NUM gp-104 196 17 ) ) PUNCT gp-104 196 18 . . PUNCT gp-104 197 1 research research NOUN gp-104 197 2 in in ADP gp-104 197 3 international international ADJ gp-104 197 4 business business NOUN gp-104 197 5 and and CCONJ gp-104 197 6 finance finance NOUN gp-104 197 7 does do AUX gp-104 197 8 high high ADJ gp-104 197 9 profitability profitability NOUN gp-104 197 10 improve improve VERB gp-104 197 11 stability stability NOUN gp-104 197 12 for for ADP gp-104 197 13 european european ADJ gp-104 197 14 banks bank NOUN gp-104 197 15 β€― β€― SPACE gp-104 197 16 ? ? PUNCT gp-104 198 1 ⋆. ⋆. PUNCT gp-104 198 2 research research NOUN gp-104 198 3 in in ADP gp-104 198 4 international international ADJ gp-104 198 5 business business NOUN gp-104 198 6 and and CCONJ gp-104 198 7 finance finance NOUN gp-104 198 8 , , PUNCT gp-104 198 9 53(february 53(february NUM gp-104 198 10 ) ) PUNCT gp-104 198 11 , , PUNCT gp-104 198 12 101220 101220 NUM gp-104 198 13 . . PUNCT gp-104 199 1 https://doi.org/10.1016/j.ribaf.2020.101220 https://doi.org/10.1016/j.ribaf.2020.101220 ADP gp-104 199 2 phan phan PROPN gp-104 199 3 , , PUNCT gp-104 199 4 h. h. PROPN gp-104 199 5 t. t. PROPN gp-104 199 6 , , PUNCT gp-104 199 7 anwar anwar PROPN gp-104 199 8 , , PUNCT gp-104 199 9 s. s. PROPN gp-104 199 10 , , PUNCT gp-104 199 11 alexander alexander PROPN gp-104 199 12 , , PUNCT gp-104 199 13 w. w. PROPN gp-104 199 14 r. r. PROPN gp-104 199 15 j. j. PROPN gp-104 199 16 , , PUNCT gp-104 199 17 & & CCONJ gp-104 199 18 phan phan PROPN gp-104 199 19 , , PUNCT gp-104 199 20 h. h. PROPN gp-104 199 21 t. t. PROPN gp-104 199 22 m. m. NOUN gp-104 199 23 ( ( PUNCT gp-104 199 24 2019 2019 NUM gp-104 199 25 ) ) PUNCT gp-104 199 26 . . PUNCT gp-104 200 1 competition competition NOUN gp-104 200 2 , , PUNCT gp-104 200 3 efficiency efficiency NOUN gp-104 200 4 and and CCONJ gp-104 200 5 stability stability NOUN gp-104 200 6 : : PUNCT gp-104 200 7 an an DET gp-104 200 8 empirical empirical ADJ gp-104 200 9 study study NOUN gp-104 200 10 of of ADP gp-104 200 11 east east ADJ gp-104 200 12 asian asian ADJ gp-104 200 13 commercial commercial ADJ gp-104 200 14 banks bank NOUN gp-104 200 15 . . PUNCT gp-104 201 1 north north ADJ gp-104 201 2 american american PROPN gp-104 201 3 journal journal PROPN gp-104 201 4 of of ADP gp-104 201 5 economics economic NOUN gp-104 201 6 and and CCONJ gp-104 201 7 finance finance NOUN gp-104 201 8 , , PUNCT gp-104 201 9 50(october 50(october NOUN gp-104 201 10 2018 2018 NUM gp-104 201 11 ) ) PUNCT gp-104 201 12 , , PUNCT gp-104 201 13 100990 100990 NUM gp-104 201 14 . . PUNCT gp-104 202 1 https://doi.org/10.1016/j.najef.2019.100990 https://doi.org/10.1016/j.najef.2019.100990 NOUN gp-104 202 2 rahmah rahmah PROPN gp-104 202 3 , , PUNCT gp-104 203 1 l. l. PROPN gp-104 203 2 p. p. PROPN gp-104 203 3 ( ( PUNCT gp-104 203 4 2018 2018 NUM gp-104 203 5 ) ) PUNCT gp-104 203 6 . . PUNCT gp-104 204 1 analisis analisis ADJ gp-104 204 2 hubungan hubungan PROPN gp-104 204 3 independensi independensi PROPN gp-104 204 4 bank bank PROPN gp-104 204 5 sentral sentral PROPN gp-104 204 6 dan dan PROPN gp-104 204 7 variabel variabel PROPN gp-104 204 8 makroekonomi makroekonomi PROPN gp-104 204 9 terhadap terhadap PROPN gp-104 204 10 stabilitas stabilitas PROPN gp-104 204 11 sistem sistem PROPN gp-104 204 12 keuangan keuangan PROPN gp-104 204 13 di di PROPN gp-104 204 14 asean asean PROPN gp-104 204 15 . . PUNCT gp-104 205 1 jurnal jurnal ADJ gp-104 205 2 ilmiah ilmiah PROPN gp-104 205 3 , , PUNCT gp-104 205 4 6(1 6(1 NUM gp-104 205 5 ) ) PUNCT gp-104 205 6 , , PUNCT gp-104 205 7 1 1 NUM gp-104 205 8 – – SYM gp-104 205 9 13 13 NUM gp-104 205 10 . . PUNCT gp-104 206 1 risfandy risfandy NOUN gp-104 206 2 , , PUNCT gp-104 206 3 t. t. PROPN gp-104 206 4 , , PUNCT gp-104 206 5 tarazi tarazi NOUN gp-104 206 6 , , PUNCT gp-104 206 7 a. a. NOUN gp-104 206 8 , , PUNCT gp-104 206 9 & & CCONJ gp-104 206 10 trinugroho trinugroho PROPN gp-104 206 11 , , PUNCT gp-104 206 12 i. i. PROPN gp-104 206 13 ( ( PUNCT gp-104 206 14 2022 2022 NUM gp-104 206 15 ) ) PUNCT gp-104 206 16 . . PUNCT gp-104 207 1 competition competition NOUN gp-104 207 2 in in ADP gp-104 207 3 dual dual ADJ gp-104 207 4 markets market NOUN gp-104 207 5 : : PUNCT gp-104 207 6 implications implication NOUN gp-104 207 7 for for ADP gp-104 207 8 banking banking NOUN gp-104 207 9 system system NOUN gp-104 207 10 stability stability NOUN gp-104 207 11 . . PUNCT gp-104 208 1 global global ADJ gp-104 208 2 finance finance PROPN gp-104 208 3 journal journal NOUN gp-104 208 4 , , PUNCT gp-104 208 5 52(december 52(december NUM gp-104 208 6 2019 2019 NUM gp-104 208 7 ) ) PUNCT gp-104 208 8 , , PUNCT gp-104 208 9 100579 100579 NUM gp-104 208 10 . . PUNCT gp-104 209 1 https://doi.org/10.1016/j.gfj.2020.100579 https://doi.org/10.1016/j.gfj.2020.100579 PROPN gp-104 209 2 sanderson sanderson PROPN gp-104 209 3 , , PUNCT gp-104 209 4 a. a. NOUN gp-104 209 5 , , PUNCT gp-104 209 6 roux roux NOUN gp-104 209 7 , , PUNCT gp-104 209 8 p. p. NOUN gp-104 209 9 le le X gp-104 209 10 , , PUNCT gp-104 209 11 & & CCONJ gp-104 209 12 mutandwa mutandwa VERB gp-104 209 13 , , PUNCT gp-104 209 14 l. l. PROPN gp-104 209 15 ( ( PUNCT gp-104 209 16 2019 2019 NUM gp-104 209 17 ) ) PUNCT gp-104 209 18 . . PUNCT gp-104 210 1 competition competition NOUN gp-104 210 2 and and CCONJ gp-104 210 3 bank bank NOUN gp-104 210 4 stability stability NOUN gp-104 210 5 . . PUNCT gp-104 211 1 journal journal NOUN gp-104 211 2 of of ADP gp-104 211 3 financial financial ADJ gp-104 211 4 intermediation intermediation NOUN gp-104 211 5 , , PUNCT gp-104 211 6 35(3 35(3 NUM gp-104 211 7 ) ) PUNCT gp-104 211 8 , , PUNCT gp-104 211 9 57–69 57–69 X gp-104 211 10 . . PUNCT gp-104 212 1 https://doi.org/10.1016/j.jfi.2017.06.001 https://doi.org/10.1016/j.jfi.2017.06.001 PROPN gp-104 212 2 sanjaya sanjaya PROPN gp-104 212 3 , , PUNCT gp-104 212 4 s. s. PROPN gp-104 212 5 a. a. PROPN gp-104 212 6 k. k. PROPN gp-104 212 7 , , PUNCT gp-104 212 8 & & CCONJ gp-104 212 9 badjuri badjuri PROPN gp-104 212 10 , , PUNCT gp-104 212 11 a. a. NOUN gp-104 212 12 ( ( PUNCT gp-104 212 13 2022 2022 NUM gp-104 212 14 ) ) PUNCT gp-104 212 15 . . PUNCT gp-104 213 1 pengaruh pengaruh NOUN gp-104 213 2 ukuran ukuran PROPN gp-104 213 3 bank bank PROPN gp-104 213 4 , , PUNCT gp-104 213 5 kredit kredit PROPN gp-104 213 6 , , PUNCT gp-104 213 7 kredit kredit PROPN gp-104 213 8 bermasalah bermasalah PROPN gp-104 213 9 , , PUNCT gp-104 213 10 modal modal NOUN gp-104 213 11 dan dan PROPN gp-104 213 12 produk produk PROPN gp-104 213 13 domestik domestik PROPN gp-104 213 14 bruto bruto PROPN gp-104 213 15 terhadap terhadap PROPN gp-104 213 16 pengambilan pengambilan PROPN gp-104 213 17 risiko risiko PROPN gp-104 213 18 bank bank PROPN gp-104 213 19 . . PUNCT gp-104 214 1 jurnal jurnal ADJ gp-104 214 2 ilmiah ilmiah PROPN gp-104 214 3 mea mea INTJ gp-104 214 4 ( ( PUNCT gp-104 214 5 manajemen manajeman NOUN gp-104 214 6 , , PUNCT gp-104 214 7 ekonomi ekonomi PROPN gp-104 214 8 , , PUNCT gp-104 214 9 dan dan PROPN gp-104 214 10 akuntansi akuntansi PROPN gp-104 214 11 ) ) PUNCT gp-104 214 12 , , PUNCT gp-104 214 13 6(1 6(1 NUM gp-104 214 14 ) ) PUNCT gp-104 214 15 , , PUNCT gp-104 214 16 595 595 NUM gp-104 214 17 . . PUNCT gp-104 215 1 shahriar shahriar PROPN gp-104 215 2 , , PUNCT gp-104 215 3 a. a. NOUN gp-104 215 4 , , PUNCT gp-104 215 5 mehzabin mehzabin PROPN gp-104 215 6 , , PUNCT gp-104 215 7 s. s. PROPN gp-104 215 8 , , PUNCT gp-104 215 9 & & CCONJ gp-104 215 10 azad azad PROPN gp-104 215 11 , , PUNCT gp-104 215 12 m. m. NOUN gp-104 215 13 a. a. PROPN gp-104 215 14 k. k. PROPN gp-104 215 15 ( ( PUNCT gp-104 215 16 2023 2023 NUM gp-104 215 17 ) ) PUNCT gp-104 215 18 . . PUNCT gp-104 216 1 diversification diversification NOUN gp-104 216 2 and and CCONJ gp-104 216 3 bank bank NOUN gp-104 216 4 stability stability NOUN gp-104 216 5 in in ADP gp-104 216 6 the the DET gp-104 216 7 mena mena PROPN gp-104 216 8 region region PROPN gp-104 216 9 . . PUNCT gp-104 217 1 social social ADJ gp-104 217 2 sciences sciences PROPN gp-104 217 3 and and CCONJ gp-104 217 4 humanities humanity NOUN gp-104 217 5 open open VERB gp-104 217 6 , , PUNCT gp-104 217 7 8(1 8(1 NOUN gp-104 217 8 ) ) PUNCT gp-104 217 9 , , PUNCT gp-104 217 10 100520 100520 NUM gp-104 217 11 . . PUNCT gp-104 218 1 https://doi.org/10.1016/j.ssaho.2023.100520 https://doi.org/10.1016/j.ssaho.2023.100520 PROPN gp-104 218 2 shamshur shamshur PROPN gp-104 218 3 , , PUNCT gp-104 218 4 a. a. PROPN gp-104 218 5 , , PUNCT gp-104 218 6 & & CCONJ gp-104 218 7 weill weill PROPN gp-104 218 8 , , PUNCT gp-104 218 9 l. l. PROPN gp-104 218 10 ( ( PUNCT gp-104 218 11 2019 2019 NUM gp-104 218 12 ) ) PUNCT gp-104 218 13 . . PUNCT gp-104 219 1 does do AUX gp-104 219 2 bank bank NOUN gp-104 219 3 efficiency efficiency NOUN gp-104 219 4 influence influence VERB gp-104 219 5 the the DET gp-104 219 6 cost cost NOUN gp-104 219 7 of of ADP gp-104 219 8 credit credit NOUN gp-104 219 9 β€― β€― SPACE gp-104 219 10 ? ? PUNCT gp-104 220 1 r. r. PROPN gp-104 220 2 journal journal PROPN gp-104 220 3 of of ADP gp-104 220 4 banking banking NOUN gp-104 220 5 and and CCONJ gp-104 220 6 finance finance NOUN gp-104 220 7 , , PUNCT gp-104 220 8 105 105 NUM gp-104 220 9 , , PUNCT gp-104 220 10 62–73 62–73 NOUN gp-104 220 11 . . PUNCT gp-104 221 1 https://doi.org/10.1016/j.jbankfin.2019.05.002 https://doi.org/10.1016/j.jbankfin.2019.05.002 PROPN gp-104 221 2 sri sri PROPN gp-104 221 3 setiawati setiawati PROPN gp-104 221 4 , , PUNCT gp-104 221 5 r. r. PROPN gp-104 221 6 i. i. PROPN gp-104 221 7 ( ( PUNCT gp-104 221 8 2020 2020 NUM gp-104 221 9 ) ) PUNCT gp-104 221 10 . . PUNCT gp-104 222 1 analisis analisis ADJ gp-104 222 2 pengaruh pengaruh NOUN gp-104 222 3 faktor faktor NOUN gp-104 222 4 - - PUNCT gp-104 222 5 faktor faktor NOUN gp-104 222 6 fundamental fundamental ADJ gp-104 222 7 kinerja kinerja PROPN gp-104 222 8 bank bank PROPN gp-104 222 9 dan dan PROPN gp-104 222 10 makro makro PROPN gp-104 222 11 ekonomi ekonomi PROPN gp-104 222 12 terhadap terhadap PROPN gp-104 222 13 stabilitas stabilitas PROPN gp-104 222 14 perbankan perbankan PROPN gp-104 222 15 di di PROPN gp-104 222 16 indonesia indonesia PROPN gp-104 222 17 . . PUNCT gp-104 223 1 jurnal jurnal ADJ gp-104 223 2 ilmiah ilmiah PROPN gp-104 223 3 bisnis bisnis PROPN gp-104 223 4 dan dan PROPN gp-104 223 5 ekonomi ekonomi PROPN gp-104 223 6 asia asia PROPN gp-104 223 7 , , PUNCT gp-104 223 8 14(2 14(2 NUM gp-104 223 9 ) ) PUNCT gp-104 223 10 , , PUNCT gp-104 223 11 123–132 123–132 NUM gp-104 223 12 . . PUNCT gp-104 224 1 https://doi.org/10.32812/jibeka.v14i2.194 https://doi.org/10.32812/jibeka.v14i2.194 PROPN gp-104 224 2 maudy maudy PROPN gp-104 224 3 , , PUNCT gp-104 224 4 isni isni PROPN gp-104 224 5 andriana andriana PROPN gp-104 224 6 , , PUNCT gp-104 224 7 mu’izzuddin mu’izzuddin PROPN gp-104 224 8 , , PUNCT gp-104 224 9 marlina marlina PROPN gp-104 224 10 widiyanti widiyanti PROPN gp-104 224 11 205 205 NUM gp-104 224 12 takahashi takahashi PROPN gp-104 224 13 , , PUNCT gp-104 224 14 l. l. PROPN gp-104 224 15 , , PUNCT gp-104 224 16 & & CCONJ gp-104 224 17 vasconcelos vasconcelos PROPN gp-104 224 18 , , PUNCT gp-104 224 19 m. m. PROPN gp-104 224 20 r. r. PROPN gp-104 224 21 ( ( PUNCT gp-104 224 22 2024 2024 NUM gp-104 224 23 ) ) PUNCT gp-104 224 24 . . PUNCT gp-104 225 1 bank bank NOUN gp-104 225 2 efficiency efficiency NOUN gp-104 225 3 and and CCONJ gp-104 225 4 undesirable undesirable ADJ gp-104 225 5 output output NOUN gp-104 225 6 β€― β€― SPACE gp-104 225 7 : : PUNCT gp-104 225 8 an an DET gp-104 225 9 analysis analysis NOUN gp-104 225 10 of of ADP gp-104 225 11 non non ADJ gp-104 225 12 - - ADJ gp-104 225 13 performing performing ADJ gp-104 225 14 loans loan NOUN gp-104 225 15 in in ADP gp-104 225 16 the the DET gp-104 225 17 brazilian brazilian ADJ gp-104 225 18 banking banking NOUN gp-104 225 19 sector sector NOUN gp-104 225 20 . . PUNCT gp-104 226 1 59(november 59(november NUM gp-104 226 2 2023 2023 NUM gp-104 226 3 ) ) PUNCT gp-104 226 4 , , PUNCT gp-104 226 5 1–10 1–10 NOUN gp-104 226 6 . . PUNCT gp-104 227 1 https://doi.org/10.1016/j.frl.2023.104651 https://doi.org/10.1016/j.frl.2023.104651 PUNCT gp-104 227 2 violeta violeta PROPN gp-104 227 3 ketaren ketaren PROPN gp-104 227 4 , , PUNCT gp-104 227 5 e. e. PROPN gp-104 227 6 , , PUNCT gp-104 227 7 & & CCONJ gp-104 227 8 mulyo mulyo VERB gp-104 227 9 haryanto haryanto PROPN gp-104 227 10 , , PUNCT gp-104 227 11 a. a. NOUN gp-104 227 12 ( ( PUNCT gp-104 227 13 2020 2020 NUM gp-104 227 14 ) ) PUNCT gp-104 227 15 . . PUNCT gp-104 228 1 pengaruh pengaruh PROPN gp-104 228 2 kinerja kinerja PROPN gp-104 228 3 keuangan keuangan PROPN gp-104 228 4 terhadap terhadap PROPN gp-104 228 5 stabilitas stabilitas PROPN gp-104 228 6 perbankan perbankan PROPN gp-104 228 7 yang yang PROPN gp-104 228 8 terdaftar terdaftar PROPN gp-104 228 9 di di PROPN gp-104 228 10 bursa bursa PROPN gp-104 228 11 efek efek NOUN gp-104 228 12 indonesia indonesia PROPN gp-104 228 13 ( ( PUNCT gp-104 228 14 studi studi PROPN gp-104 228 15 kasus kasus PROPN gp-104 228 16 pada pada PROPN gp-104 228 17 bank bank PROPN gp-104 228 18 yang yang PROPN gp-104 228 19 terdaftar terdaftar PROPN gp-104 228 20 di di PROPN gp-104 228 21 bei bei VERB gp-104 228 22 tahun tahun PROPN gp-104 228 23 2014 2014 NUM gp-104 228 24 - - SYM gp-104 228 25 2018 2018 NUM gp-104 228 26 ) ) PUNCT gp-104 228 27 . . PUNCT gp-104 229 1 diponegoro diponegoro PROPN gp-104 229 2 journal journal PROPN gp-104 229 3 of of ADP gp-104 229 4 management management NOUN gp-104 229 5 , , PUNCT gp-104 229 6 9(2 9(2 NUM gp-104 229 7 ) ) PUNCT gp-104 229 8 , , PUNCT gp-104 229 9 1–13 1–13 NOUN gp-104 229 10 . . PUNCT gp-104 230 1 wai wai PROPN gp-104 230 2 peng peng PROPN gp-104 230 3 wong wong PROPN gp-104 230 4 , , PUNCT gp-104 230 5 q. q. PROPN gp-104 230 6 d. d. PROPN gp-104 230 7 ( ( PUNCT gp-104 230 8 2016 2016 NUM gp-104 230 9 ) ) PUNCT gp-104 230 10 . . PUNCT gp-104 231 1 efficiency efficiency NOUN gp-104 231 2 analysis analysis NOUN gp-104 231 3 of of ADP gp-104 231 4 banks bank NOUN gp-104 231 5 in in ADP gp-104 231 6 asean asean ADJ gp-104 231 7 countries country NOUN gp-104 231 8 . . PUNCT gp-104 232 1 benchmarking benchmarke VERB gp-104 232 2 : : PUNCT gp-104 232 3 an an DET gp-104 232 4 international international ADJ gp-104 232 5 journal journal NOUN gp-104 232 6 , , PUNCT gp-104 232 7 23(7 23(7 NUM gp-104 232 8 ) ) PUNCT gp-104 232 9 , , PUNCT gp-104 232 10 1798–1817 1798–1817 NUM gp-104 232 11 . . PUNCT gp-104 233 1 https://doi.org/https://doi.org/10.1108/bij-11-2013-0102 https://doi.org/https://doi.org/10.1108/bij-11-2013-0102 ADP gp-104 233 2 weill weill PROPN gp-104 233 3 , , PUNCT gp-104 233 4 l. l. PROPN gp-104 233 5 ( ( PUNCT gp-104 233 6 2011 2011 NUM gp-104 233 7 ) ) PUNCT gp-104 233 8 . . PUNCT gp-104 234 1 do do AUX gp-104 234 2 islamic islamic ADJ gp-104 234 3 banks bank NOUN gp-104 234 4 have have VERB gp-104 234 5 greater great ADJ gp-104 234 6 market market NOUN gp-104 234 7 power power NOUN gp-104 234 8 ? ? PUNCT gp-104 235 1 comparative comparative ADJ gp-104 235 2 economic economic ADJ gp-104 235 3 studies study NOUN gp-104 235 4 , , PUNCT gp-104 235 5 53(2 53(2 NUM gp-104 235 6 ) ) PUNCT gp-104 235 7 , , PUNCT gp-104 235 8 291–306 291–306 NUM gp-104 235 9 . . PUNCT gp-104 236 1 https://doi.org/10.1057/ces.2011.1 https://doi.org/10.1057/ces.2011.1 PROPN gp-104 236 2 world world PROPN gp-104 236 3 bank bank PROPN gp-104 236 4 . . PUNCT gp-104 237 1 ( ( PUNCT gp-104 237 2 2020 2020 NUM gp-104 237 3 ) ) PUNCT gp-104 237 4 . . PUNCT gp-104 238 1 financial financial ADJ gp-104 238 2 stability stability NOUN gp-104 238 3 . . PUNCT gp-104 239 1 ttps://www.worldbank.org/en/ ttps://www.worldbank.org/en/ PROPN gp-104 239 2 publication publication NOUN gp-104 239 3 / / SYM gp-104 239 4 gfdr gfdr NOUN gp-104 239 5 / / SYM gp-104 239 6 gfdr%022016 gfdr%022016 PROPN gp-104 239 7 / / SYM gp-104 239 8 background background NOUN gp-104 239 9 / / SYM gp-104 239 10 financial financial ADJ gp-104 239 11 - - PUNCT gp-104 239 12 stability stability NOUN gp-104 239 13 copyright copyright NOUN gp-104 239 14 holders holder NOUN gp-104 239 15 : : PUNCT gp-104 239 16 maudy maudy ADJ gp-104 239 17 , , PUNCT gp-104 239 18 isni isni PROPN gp-104 239 19 andriana andriana PROPN gp-104 239 20 , , PUNCT gp-104 239 21 mu’izzuddin mu’izzuddin PROPN gp-104 239 22 , , PUNCT gp-104 239 23 marlina marlina PROPN gp-104 239 24 widiyanti widiyanti NOUN gp-104 239 25 ( ( PUNCT gp-104 239 26 2024 2024 NUM gp-104 239 27 ) ) PUNCT gp-104 239 28 first first ADJ gp-104 239 29 publication publication NOUN gp-104 239 30 right right NOUN gp-104 239 31 : : PUNCT gp-104 239 32 ajemb ajemb PROPN gp-104 239 33 – – PUNCT gp-104 239 34 american american ADJ gp-104 239 35 journal journal PROPN gp-104 239 36 of of ADP gp-104 239 37 economic economic ADJ gp-104 239 38 and and CCONJ gp-104 239 39 management management NOUN gp-104 239 40 business business NOUN