id	sid	tid	token	lemma	pos
gp-129	1	1	429	429	NUM
gp-129	1	2	american	american	ADJ
gp-129	1	3	journal	journal	NOUN
gp-129	1	4	of	of	ADP
gp-129	1	5	economic	economic	ADJ
gp-129	1	6	and	and	CCONJ
gp-129	1	7	management	management	NOUN
gp-129	1	8	business	business	NOUN
gp-129	1	9	e	e	NOUN
gp-129	1	10	-	-	NOUN
gp-129	1	11	issn	issn	ADJ
gp-129	1	12	:	:	PUNCT
gp-129	1	13	2835	2835	NUM
gp-129	1	14	-	-	SYM
gp-129	1	15	5199	5199	NUM
gp-129	1	16	vol	vol	NOUN
gp-129	1	17	.	.	NOUN
gp-129	1	18	3	3	NUM
gp-129	1	19	no	no	NOUN
gp-129	1	20	.	.	NOUN
gp-129	1	21	11	11	NUM
gp-129	1	22	november	november	PROPN
gp-129	1	23	2024	2024	NUM
gp-129	1	24	analysis	analysis	NOUN
gp-129	1	25	of	of	ADP
gp-129	1	26	the	the	DET
gp-129	1	27	implementation	implementation	NOUN
gp-129	1	28	of	of	ADP
gp-129	1	29	islamic	islamic	ADJ
gp-129	1	30	finance	finance	NOUN
gp-129	1	31	on	on	ADP
gp-129	1	32	economic	economic	ADJ
gp-129	1	33	welfare	welfare	NOUN
gp-129	1	34	among	among	ADP
gp-129	1	35	muslim	muslim	ADJ
gp-129	1	36	communities	community	NOUN
gp-129	1	37	elsa	elsa	PROPN
gp-129	1	38	islammia	islammia	PROPN
gp-129	1	39	pasha1	pasha1	PROPN
gp-129	1	40	*	*	PROPN
gp-129	1	41	,	,	PUNCT
gp-129	1	42	zaki	zaki	PROPN
gp-129	1	43	ahmad2	ahmad2	PROPN
gp-129	1	44	1sekolah	1sekolah	PROPN
gp-129	1	45	tinggi	tinggi	PROPN
gp-129	1	46	agama	agama	PROPN
gp-129	2	1	islam	islam	PROPN
gp-129	2	2	kuningan	kuningan	PROPN
gp-129	2	3	,	,	PUNCT
gp-129	2	4	indonesia	indonesia	PROPN
gp-129	2	5	2university	2university	PROPN
gp-129	2	6	utara	utara	NOUN
gp-129	2	7	malaysia	malaysia	PROPN
gp-129	2	8	,	,	PUNCT
gp-129	2	9	sintok	sintok	ADJ
gp-129	2	10	,	,	PUNCT
gp-129	2	11	kedah	kedah	PROPN
gp-129	2	12	,	,	PUNCT
gp-129	2	13	malaysia	malaysia	PROPN
gp-129	2	14	email	email	NOUN
gp-129	2	15	:	:	PUNCT
gp-129	2	16	islamiafasa7@gmail.com	islamiafasa7@gmail.com	X
gp-129	2	17	abstract	abstract	VERB
gp-129	2	18	the	the	DET
gp-129	2	19	implementation	implementation	NOUN
gp-129	2	20	of	of	ADP
gp-129	2	21	islamic	islamic	ADJ
gp-129	2	22	finance	finance	NOUN
gp-129	2	23	has	have	AUX
gp-129	2	24	become	become	VERB
gp-129	2	25	one	one	NUM
gp-129	2	26	of	of	ADP
gp-129	2	27	the	the	DET
gp-129	2	28	main	main	ADJ
gp-129	2	29	instruments	instrument	NOUN
gp-129	2	30	in	in	ADP
gp-129	2	31	improving	improve	VERB
gp-129	2	32	economic	economic	ADJ
gp-129	2	33	welfare	welfare	NOUN
gp-129	2	34	among	among	ADP
gp-129	2	35	muslim	muslim	ADJ
gp-129	2	36	communities	community	NOUN
gp-129	2	37	.	.	PUNCT
gp-129	3	1	however	however	ADV
gp-129	3	2	,	,	PUNCT
gp-129	3	3	challenges	challenge	NOUN
gp-129	3	4	such	such	ADJ
gp-129	3	5	as	as	ADP
gp-129	3	6	low	low	ADJ
gp-129	3	7	islamic	islamic	ADJ
gp-129	3	8	financial	financial	ADJ
gp-129	3	9	literacy	literacy	NOUN
gp-129	3	10	and	and	CCONJ
gp-129	3	11	limited	limited	ADJ
gp-129	3	12	access	access	NOUN
gp-129	3	13	to	to	ADP
gp-129	3	14	financial	financial	ADJ
gp-129	3	15	services	service	NOUN
gp-129	3	16	still	still	ADV
gp-129	3	17	hinder	hinder	VERB
gp-129	3	18	the	the	DET
gp-129	3	19	optimization	optimization	NOUN
gp-129	3	20	of	of	ADP
gp-129	3	21	this	this	DET
gp-129	3	22	system	system	NOUN
gp-129	3	23	.	.	PUNCT
gp-129	4	1	the	the	DET
gp-129	4	2	purpose	purpose	NOUN
gp-129	4	3	of	of	ADP
gp-129	4	4	this	this	DET
gp-129	4	5	research	research	NOUN
gp-129	4	6	is	be	AUX
gp-129	4	7	to	to	PART
gp-129	4	8	examine	examine	VERB
gp-129	4	9	the	the	DET
gp-129	4	10	impact	impact	NOUN
gp-129	4	11	of	of	ADP
gp-129	4	12	islamic	islamic	ADJ
gp-129	4	13	finance	finance	NOUN
gp-129	4	14	implementation	implementation	NOUN
gp-129	4	15	on	on	ADP
gp-129	4	16	the	the	DET
gp-129	4	17	economic	economic	ADJ
gp-129	4	18	welfare	welfare	NOUN
gp-129	4	19	of	of	ADP
gp-129	4	20	muslim	muslim	ADJ
gp-129	4	21	communities	community	NOUN
gp-129	4	22	and	and	CCONJ
gp-129	4	23	to	to	PART
gp-129	4	24	identify	identify	VERB
gp-129	4	25	the	the	DET
gp-129	4	26	mediating	mediate	VERB
gp-129	4	27	role	role	NOUN
gp-129	4	28	of	of	ADP
gp-129	4	29	islamic	islamic	ADJ
gp-129	4	30	financial	financial	ADJ
gp-129	4	31	literacy	literacy	NOUN
gp-129	4	32	in	in	ADP
gp-129	4	33	enhancing	enhance	VERB
gp-129	4	34	this	this	DET
gp-129	4	35	effect	effect	NOUN
gp-129	4	36	.	.	PUNCT
gp-129	5	1	the	the	DET
gp-129	5	2	study	study	NOUN
gp-129	5	3	employed	employ	VERB
gp-129	5	4	a	a	DET
gp-129	5	5	quantitative	quantitative	ADJ
gp-129	5	6	approach	approach	NOUN
gp-129	5	7	with	with	ADP
gp-129	5	8	a	a	DET
gp-129	5	9	survey	survey	NOUN
gp-129	5	10	method	method	NOUN
gp-129	5	11	involving	involve	VERB
gp-129	5	12	200	200	NUM
gp-129	5	13	respondents	respondent	NOUN
gp-129	5	14	from	from	ADP
gp-129	5	15	various	various	ADJ
gp-129	5	16	age	age	NOUN
gp-129	5	17	and	and	CCONJ
gp-129	5	18	income	income	NOUN
gp-129	5	19	groups	group	NOUN
gp-129	5	20	in	in	ADP
gp-129	5	21	a	a	DET
gp-129	5	22	specific	specific	ADJ
gp-129	5	23	region	region	NOUN
gp-129	5	24	.	.	PUNCT
gp-129	6	1	data	datum	NOUN
gp-129	6	2	were	be	AUX
gp-129	6	3	analyzed	analyze	VERB
gp-129	6	4	using	use	VERB
gp-129	6	5	linear	linear	PROPN
gp-129	6	6	regression	regression	NOUN
gp-129	6	7	to	to	PART
gp-129	6	8	determine	determine	VERB
gp-129	6	9	the	the	DET
gp-129	6	10	relationship	relationship	NOUN
gp-129	6	11	between	between	ADP
gp-129	6	12	the	the	DET
gp-129	6	13	use	use	NOUN
gp-129	6	14	of	of	ADP
gp-129	6	15	islamic	islamic	ADJ
gp-129	6	16	financial	financial	ADJ
gp-129	6	17	products	product	NOUN
gp-129	6	18	,	,	PUNCT
gp-129	6	19	islamic	islamic	ADJ
gp-129	6	20	financial	financial	ADJ
gp-129	6	21	literacy	literacy	NOUN
gp-129	6	22	,	,	PUNCT
gp-129	6	23	and	and	CCONJ
gp-129	6	24	economic	economic	ADJ
gp-129	6	25	welfare	welfare	NOUN
gp-129	6	26	.	.	PUNCT
gp-129	7	1	the	the	DET
gp-129	7	2	results	result	NOUN
gp-129	7	3	showed	show	VERB
gp-129	7	4	that	that	SCONJ
gp-129	7	5	the	the	DET
gp-129	7	6	use	use	NOUN
gp-129	7	7	of	of	ADP
gp-129	7	8	islamic	islamic	ADJ
gp-129	7	9	financial	financial	ADJ
gp-129	7	10	products	product	NOUN
gp-129	7	11	,	,	PUNCT
gp-129	7	12	such	such	ADJ
gp-129	7	13	as	as	ADP
gp-129	7	14	sharia	sharia	NOUN
gp-129	7	15	-	-	PUNCT
gp-129	7	16	based	base	VERB
gp-129	7	17	savings	saving	NOUN
gp-129	7	18	,	,	PUNCT
gp-129	7	19	financing	financing	NOUN
gp-129	7	20	,	,	PUNCT
gp-129	7	21	and	and	CCONJ
gp-129	7	22	investment	investment	NOUN
gp-129	7	23	,	,	PUNCT
gp-129	7	24	has	have	VERB
gp-129	7	25	a	a	DET
gp-129	7	26	significant	significant	ADJ
gp-129	7	27	positive	positive	ADJ
gp-129	7	28	impact	impact	NOUN
gp-129	7	29	on	on	ADP
gp-129	7	30	economic	economic	ADJ
gp-129	7	31	welfare	welfare	NOUN
gp-129	7	32	.	.	PUNCT
gp-129	8	1	islamic	islamic	ADJ
gp-129	8	2	financial	financial	ADJ
gp-129	8	3	literacy	literacy	NOUN
gp-129	8	4	acts	act	VERB
gp-129	8	5	as	as	ADP
gp-129	8	6	a	a	DET
gp-129	8	7	mediator	mediator	NOUN
gp-129	8	8	that	that	PRON
gp-129	8	9	strengthens	strengthen	VERB
gp-129	8	10	this	this	DET
gp-129	8	11	effect	effect	NOUN
gp-129	8	12	.	.	PUNCT
gp-129	9	1	this	this	DET
gp-129	9	2	study	study	NOUN
gp-129	9	3	highlights	highlight	VERB
gp-129	9	4	the	the	DET
gp-129	9	5	importance	importance	NOUN
gp-129	9	6	of	of	ADP
gp-129	9	7	education	education	NOUN
gp-129	9	8	and	and	CCONJ
gp-129	9	9	expanding	expand	VERB
gp-129	9	10	access	access	NOUN
gp-129	9	11	to	to	ADP
gp-129	9	12	islamic	islamic	ADJ
gp-129	9	13	finance	finance	NOUN
gp-129	9	14	to	to	PART
gp-129	9	15	improve	improve	VERB
gp-129	9	16	people	people	NOUN
gp-129	9	17	's	's	PART
gp-129	9	18	lives	life	NOUN
gp-129	9	19	.	.	PUNCT
gp-129	10	1	the	the	DET
gp-129	10	2	conclusion	conclusion	NOUN
gp-129	10	3	of	of	ADP
gp-129	10	4	this	this	DET
gp-129	10	5	study	study	NOUN
gp-129	10	6	recommends	recommend	VERB
gp-129	10	7	strengthening	strengthen	VERB
gp-129	10	8	inclusive	inclusive	ADJ
gp-129	10	9	and	and	CCONJ
gp-129	10	10	community	community	NOUN
gp-129	10	11	-	-	PUNCT
gp-129	10	12	based	base	VERB
gp-129	10	13	islamic	islamic	ADJ
gp-129	10	14	financial	financial	ADJ
gp-129	10	15	policies	policy	NOUN
gp-129	10	16	to	to	PART
gp-129	10	17	achieve	achieve	VERB
gp-129	10	18	sustainable	sustainable	ADJ
gp-129	10	19	economic	economic	ADJ
gp-129	10	20	welfare	welfare	NOUN
gp-129	10	21	.	.	PUNCT
gp-129	11	1	keywords	keyword	NOUN
gp-129	11	2	:	:	PUNCT
gp-129	11	3	economic	economic	ADJ
gp-129	11	4	welfare	welfare	NOUN
gp-129	11	5	,	,	PUNCT
gp-129	11	6	financial	financial	ADJ
gp-129	11	7	literacy	literacy	NOUN
gp-129	11	8	,	,	PUNCT
gp-129	11	9	financial	financial	ADJ
gp-129	11	10	inclusion	inclusion	NOUN
gp-129	11	11	,	,	PUNCT
gp-129	11	12	islamic	islamic	PROPN
gp-129	11	13	finance	finance	PROPN
gp-129	11	14	,	,	PUNCT
gp-129	11	15	islamic	islamic	ADJ
gp-129	11	16	financial	financial	ADJ
gp-129	11	17	products	product	NOUN
gp-129	11	18	introduction	introduction	NOUN
gp-129	11	19	islamic	islamic	PROPN
gp-129	11	20	finance	finance	PROPN
gp-129	11	21	,	,	PUNCT
gp-129	11	22	a	a	DET
gp-129	11	23	financial	financial	ADJ
gp-129	11	24	system	system	NOUN
gp-129	11	25	adhering	adhere	VERB
gp-129	11	26	to	to	ADP
gp-129	11	27	sharia	sharia	PROPN
gp-129	11	28	principles	principle	NOUN
gp-129	11	29	,	,	PUNCT
gp-129	11	30	has	have	AUX
gp-129	11	31	emerged	emerge	VERB
gp-129	11	32	as	as	ADP
gp-129	11	33	an	an	DET
gp-129	11	34	alternative	alternative	ADJ
gp-129	11	35	economic	economic	ADJ
gp-129	11	36	model	model	NOUN
gp-129	11	37	aimed	aim	VERB
gp-129	11	38	at	at	ADP
gp-129	11	39	fostering	foster	VERB
gp-129	11	40	social	social	ADJ
gp-129	11	41	justice	justice	NOUN
gp-129	11	42	and	and	CCONJ
gp-129	11	43	equitable	equitable	ADJ
gp-129	11	44	wealth	wealth	NOUN
gp-129	11	45	distribution	distribution	NOUN
gp-129	11	46	(	(	PUNCT
gp-129	11	47	khalidin	khalidin	NOUN
gp-129	11	48	,	,	PUNCT
gp-129	11	49	2024	2024	NUM
gp-129	11	50	)	)	PUNCT
gp-129	11	51	.	.	PUNCT
gp-129	12	1	unlike	unlike	ADP
gp-129	12	2	conventional	conventional	ADJ
gp-129	12	3	finance	finance	NOUN
gp-129	12	4	,	,	PUNCT
gp-129	12	5	it	it	PRON
gp-129	12	6	prohibits	prohibit	VERB
gp-129	12	7	interest	interest	NOUN
gp-129	12	8	(	(	PUNCT
gp-129	12	9	riba	riba	PROPN
gp-129	12	10	)	)	PUNCT
gp-129	12	11	,	,	PUNCT
gp-129	12	12	uncertainty	uncertainty	NOUN
gp-129	12	13	(	(	PUNCT
gp-129	12	14	gharar	gharar	NOUN
gp-129	12	15	)	)	PUNCT
gp-129	12	16	,	,	PUNCT
gp-129	12	17	and	and	CCONJ
gp-129	12	18	speculative	speculative	ADJ
gp-129	12	19	transactions	transaction	NOUN
gp-129	12	20	(	(	PUNCT
gp-129	12	21	maisir	maisir	NOUN
gp-129	12	22	)	)	PUNCT
gp-129	12	23	,	,	PUNCT
gp-129	12	24	emphasizing	emphasize	VERB
gp-129	12	25	ethical	ethical	ADJ
gp-129	12	26	investments	investment	NOUN
gp-129	12	27	and	and	CCONJ
gp-129	12	28	risk	risk	NOUN
gp-129	12	29	-	-	PUNCT
gp-129	12	30	sharing	sharing	NOUN
gp-129	12	31	.	.	PUNCT
gp-129	13	1	islamic	islamic	ADJ
gp-129	13	2	finance	finance	PROPN
gp-129	13	3	offers	offer	VERB
gp-129	13	4	a	a	DET
gp-129	13	5	wide	wide	ADJ
gp-129	13	6	range	range	NOUN
gp-129	13	7	of	of	ADP
gp-129	13	8	financial	financial	ADJ
gp-129	13	9	instruments	instrument	NOUN
gp-129	13	10	,	,	PUNCT
gp-129	13	11	including	include	VERB
gp-129	13	12	banking	banking	NOUN
gp-129	13	13	,	,	PUNCT
gp-129	13	14	sukuk	sukuk	NOUN
gp-129	13	15	(	(	PUNCT
gp-129	13	16	islamic	islamic	ADJ
gp-129	13	17	bonds	bond	NOUN
gp-129	13	18	)	)	PUNCT
gp-129	13	19	,	,	PUNCT
gp-129	13	20	takaful	takaful	ADJ
gp-129	13	21	(	(	PUNCT
gp-129	13	22	islamic	islamic	ADJ
gp-129	13	23	insurance	insurance	NOUN
gp-129	13	24	)	)	PUNCT
gp-129	13	25	,	,	PUNCT
gp-129	13	26	zakat	zakat	NOUN
gp-129	13	27	,	,	PUNCT
gp-129	13	28	and	and	CCONJ
gp-129	13	29	waqf	waqf	NOUN
gp-129	13	30	,	,	PUNCT
gp-129	13	31	which	which	PRON
gp-129	13	32	cater	cater	VERB
gp-129	13	33	to	to	ADP
gp-129	13	34	the	the	DET
gp-129	13	35	financial	financial	ADJ
gp-129	13	36	needs	need	NOUN
gp-129	13	37	of	of	ADP
gp-129	13	38	muslim	muslim	ADJ
gp-129	13	39	communities	community	NOUN
gp-129	13	40	worldwide	worldwide	ADV
gp-129	13	41	.	.	PUNCT
gp-129	14	1	this	this	DET
gp-129	14	2	system	system	NOUN
gp-129	14	3	holds	hold	VERB
gp-129	14	4	significant	significant	ADJ
gp-129	14	5	potential	potential	NOUN
gp-129	14	6	for	for	ADP
gp-129	14	7	contributing	contribute	VERB
gp-129	14	8	to	to	ADP
gp-129	14	9	economic	economic	ADJ
gp-129	14	10	welfare	welfare	NOUN
gp-129	14	11	by	by	ADP
gp-129	14	12	providing	provide	VERB
gp-129	14	13	inclusive	inclusive	ADJ
gp-129	14	14	financial	financial	ADJ
gp-129	14	15	solutions	solution	NOUN
gp-129	14	16	that	that	PRON
gp-129	14	17	align	align	VERB
gp-129	14	18	with	with	ADP
gp-129	14	19	islamic	islamic	ADJ
gp-129	14	20	values	value	NOUN
gp-129	14	21	(	(	PUNCT
gp-129	14	22	osman	osman	NOUN
gp-129	14	23	&	&	CCONJ
gp-129	14	24	elamin	elamin	NOUN
gp-129	14	25	,	,	PUNCT
gp-129	14	26	2023	2023	NUM
gp-129	14	27	)	)	PUNCT
gp-129	14	28	.	.	PUNCT
gp-129	15	1	however	however	ADV
gp-129	15	2	,	,	PUNCT
gp-129	15	3	challenges	challenge	NOUN
gp-129	15	4	persist	persist	VERB
gp-129	15	5	,	,	PUNCT
gp-129	15	6	particularly	particularly	ADV
gp-129	15	7	in	in	ADP
gp-129	15	8	achieving	achieve	VERB
gp-129	15	9	equitable	equitable	ADJ
gp-129	15	10	implementation	implementation	NOUN
gp-129	15	11	across	across	ADP
gp-129	15	12	diverse	diverse	ADJ
gp-129	15	13	regions	region	NOUN
gp-129	15	14	.	.	PUNCT
gp-129	16	1	american	american	ADJ
gp-129	16	2	journal	journal	PROPN
gp-129	16	3	of	of	ADP
gp-129	16	4	economic	economic	ADJ
gp-129	16	5	and	and	CCONJ
gp-129	16	6	management	management	NOUN
gp-129	16	7	business	business	NOUN
gp-129	16	8	vol	vol	NOUN
gp-129	16	9	.	.	PROPN
gp-129	17	1	3	3	NUM
gp-129	17	2	no	no	NOUN
gp-129	17	3	.	.	NOUN
gp-129	17	4	11	11	NUM
gp-129	17	5	november	november	PROPN
gp-129	17	6	2024	2024	NUM
gp-129	17	7	430	430	NUM
gp-129	17	8	islamic	islamic	ADJ
gp-129	17	9	finance	finance	NOUN
gp-129	17	10	has	have	AUX
gp-129	17	11	become	become	VERB
gp-129	17	12	an	an	DET
gp-129	17	13	essential	essential	ADJ
gp-129	17	14	component	component	NOUN
gp-129	17	15	of	of	ADP
gp-129	17	16	the	the	DET
gp-129	17	17	global	global	ADJ
gp-129	17	18	economic	economic	ADJ
gp-129	17	19	transformation	transformation	NOUN
gp-129	17	20	,	,	PUNCT
gp-129	17	21	particularly	particularly	ADV
gp-129	17	22	in	in	ADP
gp-129	17	23	muslim	muslim	ADJ
gp-129	17	24	-	-	PUNCT
gp-129	17	25	majority	majority	NOUN
gp-129	17	26	countries	country	NOUN
gp-129	17	27	.	.	PUNCT
gp-129	18	1	according	accord	VERB
gp-129	18	2	to	to	ADP
gp-129	18	3	the	the	DET
gp-129	18	4	islamic	islamic	PROPN
gp-129	18	5	finance	finance	PROPN
gp-129	18	6	development	development	PROPN
gp-129	18	7	report	report	PROPN
gp-129	18	8	2023	2023	NUM
gp-129	18	9	,	,	PUNCT
gp-129	18	10	the	the	DET
gp-129	18	11	global	global	ADJ
gp-129	18	12	islamic	islamic	PROPN
gp-129	18	13	finance	finance	NOUN
gp-129	18	14	industry	industry	NOUN
gp-129	18	15	is	be	AUX
gp-129	18	16	projected	project	VERB
gp-129	18	17	to	to	PART
gp-129	18	18	reach	reach	VERB
gp-129	18	19	$	$	SYM
gp-129	18	20	3.5	3.5	NUM
gp-129	18	21	trillion	trillion	NUM
gp-129	18	22	by	by	ADP
gp-129	18	23	2025	2025	NUM
gp-129	18	24	(	(	PUNCT
gp-129	18	25	ifdr	ifdr	NOUN
gp-129	18	26	,	,	PUNCT
gp-129	18	27	2023	2023	NUM
gp-129	18	28	)	)	PUNCT
gp-129	18	29	.	.	PUNCT
gp-129	19	1	this	this	DET
gp-129	19	2	growth	growth	NOUN
gp-129	19	3	is	be	AUX
gp-129	19	4	largely	largely	ADV
gp-129	19	5	driven	drive	VERB
gp-129	19	6	by	by	ADP
gp-129	19	7	the	the	DET
gp-129	19	8	expansion	expansion	NOUN
gp-129	19	9	of	of	ADP
gp-129	19	10	islamic	islamic	ADJ
gp-129	19	11	banking	banking	NOUN
gp-129	19	12	,	,	PUNCT
gp-129	19	13	takaful	takaful	ADJ
gp-129	19	14	,	,	PUNCT
gp-129	19	15	and	and	CCONJ
gp-129	19	16	sukuk	sukuk	NOUN
gp-129	19	17	,	,	PUNCT
gp-129	19	18	which	which	PRON
gp-129	19	19	offer	offer	VERB
gp-129	19	20	sharia	sharia	NOUN
gp-129	19	21	-	-	PUNCT
gp-129	19	22	compliant	compliant	ADJ
gp-129	19	23	financial	financial	ADJ
gp-129	19	24	solutions	solution	NOUN
gp-129	19	25	.	.	PUNCT
gp-129	20	1	however	however	ADV
gp-129	20	2	,	,	PUNCT
gp-129	20	3	the	the	DET
gp-129	20	4	implementation	implementation	NOUN
gp-129	20	5	of	of	ADP
gp-129	20	6	islamic	islamic	ADJ
gp-129	20	7	finance	finance	NOUN
gp-129	20	8	in	in	ADP
gp-129	20	9	various	various	ADJ
gp-129	20	10	countries	country	NOUN
gp-129	20	11	still	still	ADV
gp-129	20	12	faces	face	VERB
gp-129	20	13	significant	significant	ADJ
gp-129	20	14	challenges	challenge	NOUN
gp-129	20	15	,	,	PUNCT
gp-129	20	16	including	include	VERB
gp-129	20	17	low	low	ADJ
gp-129	20	18	financial	financial	ADJ
gp-129	20	19	literacy	literacy	NOUN
gp-129	20	20	,	,	PUNCT
gp-129	20	21	inadequate	inadequate	ADJ
gp-129	20	22	infrastructure	infrastructure	NOUN
gp-129	20	23	,	,	PUNCT
gp-129	20	24	and	and	CCONJ
gp-129	20	25	persistent	persistent	ADJ
gp-129	20	26	economic	economic	ADJ
gp-129	20	27	inequality	inequality	NOUN
gp-129	20	28	among	among	ADP
gp-129	20	29	muslim	muslim	ADJ
gp-129	20	30	communities	community	NOUN
gp-129	20	31	.	.	PUNCT
gp-129	21	1	these	these	DET
gp-129	21	2	challenges	challenge	NOUN
gp-129	21	3	have	have	AUX
gp-129	21	4	led	lead	VERB
gp-129	21	5	to	to	ADP
gp-129	21	6	uneven	uneven	ADJ
gp-129	21	7	implementation	implementation	NOUN
gp-129	21	8	,	,	PUNCT
gp-129	21	9	which	which	PRON
gp-129	21	10	has	have	AUX
gp-129	21	11	adversely	adversely	ADV
gp-129	21	12	affected	affect	VERB
gp-129	21	13	economic	economic	ADJ
gp-129	21	14	welfare	welfare	NOUN
gp-129	21	15	,	,	PUNCT
gp-129	21	16	especially	especially	ADV
gp-129	21	17	in	in	ADP
gp-129	21	18	developing	develop	VERB
gp-129	21	19	countries	country	NOUN
gp-129	21	20	(	(	PUNCT
gp-129	21	21	sun	sun	PROPN
gp-129	21	22	&	&	CCONJ
gp-129	21	23	chang	chang	PROPN
gp-129	21	24	,	,	PUNCT
gp-129	21	25	2020	2020	NUM
gp-129	21	26	)	)	PUNCT
gp-129	21	27	.	.	PUNCT
gp-129	22	1	a	a	DET
gp-129	22	2	key	key	ADJ
gp-129	22	3	factor	factor	NOUN
gp-129	22	4	impacting	impact	VERB
gp-129	22	5	the	the	DET
gp-129	22	6	effectiveness	effectiveness	NOUN
gp-129	22	7	of	of	ADP
gp-129	22	8	islamic	islamic	ADJ
gp-129	22	9	finance	finance	NOUN
gp-129	22	10	in	in	ADP
gp-129	22	11	improving	improve	VERB
gp-129	22	12	economic	economic	ADJ
gp-129	22	13	welfare	welfare	NOUN
gp-129	22	14	is	be	AUX
gp-129	22	15	the	the	DET
gp-129	22	16	lack	lack	NOUN
gp-129	22	17	of	of	ADP
gp-129	22	18	public	public	ADJ
gp-129	22	19	understanding	understanding	NOUN
gp-129	22	20	of	of	ADP
gp-129	22	21	islamic	islamic	ADJ
gp-129	22	22	financial	financial	ADJ
gp-129	22	23	products	product	NOUN
gp-129	22	24	(	(	PUNCT
gp-129	22	25	ismail	ismail	PROPN
gp-129	22	26	&	&	CCONJ
gp-129	22	27	zulkhibri	zulkhibri	PROPN
gp-129	22	28	,	,	PUNCT
gp-129	22	29	2024	2024	NUM
gp-129	22	30	)	)	PUNCT
gp-129	22	31	.	.	PUNCT
gp-129	23	1	many	many	ADJ
gp-129	23	2	individuals	individual	NOUN
gp-129	23	3	perceive	perceive	VERB
gp-129	23	4	these	these	DET
gp-129	23	5	products	product	NOUN
gp-129	23	6	as	as	ADP
gp-129	23	7	complex	complex	ADJ
gp-129	23	8	and	and	CCONJ
gp-129	23	9	difficult	difficult	ADJ
gp-129	23	10	to	to	PART
gp-129	23	11	access	access	VERB
gp-129	23	12	.	.	PUNCT
gp-129	24	1	as	as	ADP
gp-129	24	2	a	a	DET
gp-129	24	3	result	result	NOUN
gp-129	24	4	,	,	PUNCT
gp-129	24	5	limited	limited	ADJ
gp-129	24	6	understanding	understanding	NOUN
gp-129	24	7	and	and	CCONJ
gp-129	24	8	accessibility	accessibility	NOUN
gp-129	24	9	contribute	contribute	VERB
gp-129	24	10	to	to	ADP
gp-129	24	11	low	low	ADJ
gp-129	24	12	financial	financial	ADJ
gp-129	24	13	inclusion	inclusion	NOUN
gp-129	24	14	among	among	ADP
gp-129	24	15	muslim	muslim	ADJ
gp-129	24	16	communities	community	NOUN
gp-129	24	17	,	,	PUNCT
gp-129	24	18	preventing	prevent	VERB
gp-129	24	19	them	they	PRON
gp-129	24	20	from	from	ADP
gp-129	24	21	leveraging	leverage	VERB
gp-129	24	22	islamic	islamic	ADJ
gp-129	24	23	financial	financial	ADJ
gp-129	24	24	products	product	NOUN
gp-129	24	25	for	for	ADP
gp-129	24	26	economic	economic	ADJ
gp-129	24	27	empowerment	empowerment	NOUN
gp-129	24	28	.	.	PUNCT
gp-129	25	1	for	for	ADP
gp-129	25	2	instance	instance	NOUN
gp-129	25	3	,	,	PUNCT
gp-129	25	4	a	a	DET
gp-129	25	5	study	study	NOUN
gp-129	25	6	by	by	ADP
gp-129	25	7	haneef	haneef	PROPN
gp-129	25	8	et	et	PROPN
gp-129	25	9	al	al	PROPN
gp-129	25	10	.	.	PROPN
gp-129	26	1	(	(	PUNCT
gp-129	26	2	2015	2015	NUM
gp-129	26	3	)	)	PUNCT
gp-129	26	4	revealed	reveal	VERB
gp-129	26	5	that	that	SCONJ
gp-129	26	6	only	only	ADV
gp-129	26	7	25	25	NUM
gp-129	26	8	%	%	NOUN
gp-129	26	9	of	of	ADP
gp-129	26	10	muslims	muslims	PROPN
gp-129	26	11	in	in	ADP
gp-129	26	12	developing	develop	VERB
gp-129	26	13	countries	country	NOUN
gp-129	26	14	have	have	VERB
gp-129	26	15	access	access	NOUN
gp-129	26	16	to	to	ADP
gp-129	26	17	islamic	islamic	ADJ
gp-129	26	18	banking	banking	NOUN
gp-129	26	19	products	product	NOUN
gp-129	26	20	.	.	PUNCT
gp-129	27	1	this	this	DET
gp-129	27	2	disparity	disparity	NOUN
gp-129	27	3	exacerbates	exacerbate	VERB
gp-129	27	4	economic	economic	ADJ
gp-129	27	5	inequality	inequality	NOUN
gp-129	27	6	,	,	PUNCT
gp-129	27	7	particularly	particularly	ADV
gp-129	27	8	in	in	ADP
gp-129	27	9	regions	region	NOUN
gp-129	27	10	with	with	ADP
gp-129	27	11	high	high	ADJ
gp-129	27	12	poverty	poverty	NOUN
gp-129	27	13	rates	rate	NOUN
gp-129	27	14	.	.	PUNCT
gp-129	28	1	moreover	moreover	ADV
gp-129	28	2	,	,	PUNCT
gp-129	28	3	limited	limited	ADJ
gp-129	28	4	innovation	innovation	NOUN
gp-129	28	5	in	in	ADP
gp-129	28	6	islamic	islamic	ADJ
gp-129	28	7	financial	financial	ADJ
gp-129	28	8	products	product	NOUN
gp-129	28	9	and	and	CCONJ
gp-129	28	10	regulatory	regulatory	ADJ
gp-129	28	11	barriers	barrier	NOUN
gp-129	28	12	further	far	ADV
gp-129	28	13	impede	impede	VERB
gp-129	28	14	the	the	DET
gp-129	28	15	growth	growth	NOUN
gp-129	28	16	of	of	ADP
gp-129	28	17	the	the	DET
gp-129	28	18	islamic	islamic	ADJ
gp-129	28	19	finance	finance	NOUN
gp-129	28	20	sector	sector	NOUN
gp-129	28	21	.	.	PUNCT
gp-129	29	1	islamic	islamic	ADJ
gp-129	29	2	finance	finance	PROPN
gp-129	29	3	encompasses	encompass	VERB
gp-129	29	4	a	a	DET
gp-129	29	5	diverse	diverse	ADJ
gp-129	29	6	range	range	NOUN
gp-129	29	7	of	of	ADP
gp-129	29	8	financial	financial	ADJ
gp-129	29	9	instruments	instrument	NOUN
gp-129	29	10	that	that	PRON
gp-129	29	11	adhere	adhere	VERB
gp-129	29	12	to	to	ADP
gp-129	29	13	sharia	sharia	PROPN
gp-129	29	14	principles	principle	NOUN
gp-129	29	15	,	,	PUNCT
gp-129	29	16	such	such	ADJ
gp-129	29	17	as	as	ADP
gp-129	29	18	the	the	DET
gp-129	29	19	prohibition	prohibition	NOUN
gp-129	29	20	of	of	ADP
gp-129	29	21	riba	riba	PROPN
gp-129	29	22	,	,	PUNCT
gp-129	29	23	gharar	gharar	NOUN
gp-129	29	24	,	,	PUNCT
gp-129	29	25	and	and	CCONJ
gp-129	29	26	maisir	maisir	PROPN
gp-129	29	27	(	(	PUNCT
gp-129	29	28	paltrinieri	paltrinieri	PROPN
gp-129	29	29	,	,	PUNCT
gp-129	29	30	2023	2023	NUM
gp-129	29	31	)	)	PUNCT
gp-129	29	32	.	.	PUNCT
gp-129	30	1	its	its	PRON
gp-129	30	2	scope	scope	NOUN
gp-129	30	3	extends	extend	VERB
gp-129	30	4	beyond	beyond	ADP
gp-129	30	5	banking	banking	NOUN
gp-129	30	6	to	to	PART
gp-129	30	7	include	include	VERB
gp-129	30	8	sukuk	sukuk	NOUN
gp-129	30	9	,	,	PUNCT
gp-129	30	10	zakat	zakat	NOUN
gp-129	30	11	,	,	PUNCT
gp-129	30	12	waqf	waqf	NOUN
gp-129	30	13	,	,	PUNCT
gp-129	30	14	and	and	CCONJ
gp-129	30	15	takaful	takaful	ADJ
gp-129	30	16	.	.	PUNCT
gp-129	31	1	these	these	DET
gp-129	31	2	principles	principle	NOUN
gp-129	31	3	are	be	AUX
gp-129	31	4	designed	design	VERB
gp-129	31	5	to	to	PART
gp-129	31	6	promote	promote	VERB
gp-129	31	7	social	social	ADJ
gp-129	31	8	justice	justice	NOUN
gp-129	31	9	and	and	CCONJ
gp-129	31	10	equitable	equitable	ADJ
gp-129	31	11	wealth	wealth	NOUN
gp-129	31	12	distribution	distribution	NOUN
gp-129	31	13	.	.	PUNCT
gp-129	32	1	economic	economic	ADJ
gp-129	32	2	welfare	welfare	NOUN
gp-129	32	3	,	,	PUNCT
gp-129	32	4	on	on	ADP
gp-129	32	5	the	the	DET
gp-129	32	6	other	other	ADJ
gp-129	32	7	hand	hand	NOUN
gp-129	32	8	,	,	PUNCT
gp-129	32	9	refers	refer	VERB
gp-129	32	10	to	to	ADP
gp-129	32	11	a	a	DET
gp-129	32	12	state	state	NOUN
gp-129	32	13	where	where	SCONJ
gp-129	32	14	individuals	individual	NOUN
gp-129	32	15	or	or	CCONJ
gp-129	32	16	communities	community	NOUN
gp-129	32	17	have	have	VERB
gp-129	32	18	adequate	adequate	ADJ
gp-129	32	19	access	access	NOUN
gp-129	32	20	to	to	ADP
gp-129	32	21	economic	economic	ADJ
gp-129	32	22	resources	resource	NOUN
gp-129	32	23	to	to	PART
gp-129	32	24	meet	meet	VERB
gp-129	32	25	their	their	PRON
gp-129	32	26	basic	basic	ADJ
gp-129	32	27	needs	need	NOUN
gp-129	32	28	.	.	PUNCT
gp-129	33	1	this	this	DET
gp-129	33	2	study	study	NOUN
gp-129	33	3	seeks	seek	VERB
gp-129	33	4	to	to	PART
gp-129	33	5	examine	examine	VERB
gp-129	33	6	the	the	DET
gp-129	33	7	role	role	NOUN
gp-129	33	8	of	of	ADP
gp-129	33	9	islamic	islamic	ADJ
gp-129	33	10	finance	finance	NOUN
gp-129	33	11	in	in	ADP
gp-129	33	12	enhancing	enhance	VERB
gp-129	33	13	economic	economic	ADJ
gp-129	33	14	welfare	welfare	NOUN
gp-129	33	15	,	,	PUNCT
gp-129	33	16	particularly	particularly	ADV
gp-129	33	17	among	among	ADP
gp-129	33	18	muslim	muslim	ADJ
gp-129	33	19	communities	community	NOUN
gp-129	33	20	.	.	PUNCT
gp-129	34	1	while	while	SCONJ
gp-129	34	2	previous	previous	ADJ
gp-129	34	3	studies	study	NOUN
gp-129	34	4	have	have	AUX
gp-129	34	5	extensively	extensively	ADV
gp-129	34	6	analyzed	analyze	VERB
gp-129	34	7	the	the	DET
gp-129	34	8	impact	impact	NOUN
gp-129	34	9	of	of	ADP
gp-129	34	10	islamic	islamic	ADJ
gp-129	34	11	finance	finance	NOUN
gp-129	34	12	on	on	ADP
gp-129	34	13	macroeconomic	macroeconomic	ADJ
gp-129	34	14	development	development	NOUN
gp-129	34	15	,	,	PUNCT
gp-129	34	16	this	this	DET
gp-129	34	17	research	research	NOUN
gp-129	34	18	takes	take	VERB
gp-129	34	19	a	a	DET
gp-129	34	20	novel	novel	ADJ
gp-129	34	21	approach	approach	NOUN
gp-129	34	22	by	by	ADP
gp-129	34	23	investigating	investigate	VERB
gp-129	34	24	its	its	PRON
gp-129	34	25	implementation	implementation	NOUN
gp-129	34	26	at	at	ADP
gp-129	34	27	the	the	DET
gp-129	34	28	micro	micro	ADJ
gp-129	34	29	level	level	NOUN
gp-129	34	30	(	(	PUNCT
gp-129	34	31	gheeraert	gheeraert	PROPN
gp-129	34	32	&	&	CCONJ
gp-129	34	33	weill	weill	PROPN
gp-129	34	34	,	,	PUNCT
gp-129	34	35	2015	2015	NUM
gp-129	34	36	)	)	PUNCT
gp-129	34	37	.	.	PUNCT
gp-129	35	1	specifically	specifically	ADV
gp-129	35	2	,	,	PUNCT
gp-129	35	3	it	it	PRON
gp-129	35	4	explores	explore	VERB
gp-129	35	5	how	how	SCONJ
gp-129	35	6	islamic	islamic	ADJ
gp-129	35	7	finance	finance	NOUN
gp-129	35	8	affects	affect	VERB
gp-129	35	9	the	the	DET
gp-129	35	10	economic	economic	ADJ
gp-129	35	11	welfare	welfare	NOUN
gp-129	35	12	of	of	ADP
gp-129	35	13	muslim	muslim	ADJ
gp-129	35	14	communities	community	NOUN
gp-129	35	15	in	in	ADP
gp-129	35	16	specific	specific	ADJ
gp-129	35	17	regions	region	NOUN
gp-129	35	18	.	.	PUNCT
gp-129	36	1	using	use	VERB
gp-129	36	2	both	both	CCONJ
gp-129	36	3	quantitative	quantitative	ADJ
gp-129	36	4	and	and	CCONJ
gp-129	36	5	qualitative	qualitative	ADJ
gp-129	36	6	methodologies	methodology	NOUN
gp-129	36	7	,	,	PUNCT
gp-129	36	8	this	this	DET
gp-129	36	9	study	study	NOUN
gp-129	36	10	aims	aim	VERB
gp-129	36	11	to	to	PART
gp-129	36	12	provide	provide	VERB
gp-129	36	13	a	a	DET
gp-129	36	14	comprehensive	comprehensive	ADJ
gp-129	36	15	understanding	understanding	NOUN
gp-129	36	16	of	of	ADP
gp-129	36	17	the	the	DET
gp-129	36	18	dynamics	dynamic	NOUN
gp-129	36	19	of	of	ADP
gp-129	36	20	islamic	islamic	ADJ
gp-129	36	21	finance	finance	NOUN
gp-129	36	22	within	within	ADP
gp-129	36	23	communities	community	NOUN
gp-129	36	24	.	.	PUNCT
gp-129	37	1	the	the	DET
gp-129	37	2	findings	finding	NOUN
gp-129	37	3	are	be	AUX
gp-129	37	4	expected	expect	VERB
gp-129	37	5	to	to	PART
gp-129	37	6	contribute	contribute	VERB
gp-129	37	7	significantly	significantly	ADV
gp-129	37	8	to	to	ADP
gp-129	37	9	the	the	DET
gp-129	37	10	existing	exist	VERB
gp-129	37	11	literature	literature	NOUN
gp-129	37	12	on	on	ADP
gp-129	37	13	islamic	islamic	PROPN
gp-129	37	14	finance	finance	NOUN
gp-129	37	15	,	,	PUNCT
gp-129	37	16	particularly	particularly	ADV
gp-129	37	17	in	in	ADP
gp-129	37	18	the	the	DET
gp-129	37	19	context	context	NOUN
gp-129	37	20	of	of	ADP
gp-129	37	21	economic	economic	ADJ
gp-129	37	22	welfare	welfare	NOUN
gp-129	37	23	in	in	ADP
gp-129	37	24	developing	develop	VERB
gp-129	37	25	countries	country	NOUN
gp-129	37	26	(	(	PUNCT
gp-129	37	27	dirie	dirie	NOUN
gp-129	37	28	et	et	PROPN
gp-129	37	29	al	al	PROPN
gp-129	37	30	.	.	PROPN
gp-129	37	31	,	,	PUNCT
gp-129	37	32	2024	2024	NUM
gp-129	37	33	)	)	PUNCT
gp-129	37	34	.	.	PUNCT
gp-129	38	1	the	the	DET
gp-129	38	2	urgency	urgency	NOUN
gp-129	38	3	of	of	ADP
gp-129	38	4	this	this	DET
gp-129	38	5	research	research	NOUN
gp-129	38	6	stems	stem	VERB
gp-129	38	7	from	from	ADP
gp-129	38	8	the	the	DET
gp-129	38	9	critical	critical	ADJ
gp-129	38	10	need	need	NOUN
gp-129	38	11	to	to	PART
gp-129	38	12	improve	improve	VERB
gp-129	38	13	the	the	DET
gp-129	38	14	economic	economic	ADJ
gp-129	38	15	welfare	welfare	NOUN
gp-129	38	16	of	of	ADP
gp-129	38	17	muslim	muslim	ADJ
gp-129	38	18	communities	community	NOUN
gp-129	38	19	through	through	ADP
gp-129	38	20	the	the	DET
gp-129	38	21	implementation	implementation	NOUN
gp-129	38	22	of	of	ADP
gp-129	38	23	islamic	islamic	ADJ
gp-129	38	24	finance	finance	NOUN
gp-129	38	25	(	(	PUNCT
gp-129	38	26	gwadabe	gwadabe	PROPN
gp-129	38	27	&	&	CCONJ
gp-129	38	28	ab	ab	PROPN
gp-129	38	29	rahman	rahman	PROPN
gp-129	38	30	,	,	PUNCT
gp-129	38	31	2020	2020	NUM
gp-129	38	32	)	)	PUNCT
gp-129	38	33	.	.	PUNCT
gp-129	39	1	in	in	ADP
gp-129	39	2	indonesia	indonesia	PROPN
gp-129	39	3	,	,	PUNCT
gp-129	39	4	home	home	ADV
gp-129	39	5	to	to	ADP
gp-129	39	6	the	the	DET
gp-129	39	7	largest	large	ADJ
gp-129	39	8	muslim	muslim	ADJ
gp-129	39	9	population	population	NOUN
gp-129	39	10	globally	globally	ADV
gp-129	39	11	,	,	PUNCT
gp-129	39	12	effective	effective	ADJ
gp-129	39	13	utilization	utilization	NOUN
gp-129	39	14	of	of	ADP
gp-129	39	15	islamic	islamic	ADJ
gp-129	39	16	finance	finance	NOUN
gp-129	39	17	has	have	VERB
gp-129	39	18	the	the	DET
gp-129	39	19	potential	potential	NOUN
gp-129	39	20	to	to	PART
gp-129	39	21	reduce	reduce	VERB
gp-129	39	22	poverty	poverty	NOUN
gp-129	39	23	and	and	CCONJ
gp-129	39	24	economic	economic	ADJ
gp-129	39	25	inequality	inequality	NOUN
gp-129	39	26	significantly	significantly	ADV
gp-129	39	27	.	.	PUNCT
gp-129	40	1	however	however	ADV
gp-129	40	2	,	,	PUNCT
gp-129	40	3	there	there	PRON
gp-129	40	4	is	be	VERB
gp-129	40	5	a	a	DET
gp-129	40	6	lack	lack	NOUN
gp-129	40	7	of	of	ADP
gp-129	40	8	research	research	NOUN
gp-129	40	9	focused	focus	VERB
gp-129	40	10	on	on	ADP
gp-129	40	11	evaluating	evaluate	VERB
gp-129	40	12	the	the	DET
gp-129	40	13	micro	micro	ADJ
gp-129	40	14	-	-	NOUN
gp-129	40	15	level	level	ADJ
gp-129	40	16	implementation	implementation	NOUN
gp-129	40	17	of	of	ADP
gp-129	40	18	elsa	elsa	PROPN
gp-129	40	19	islammia	islammia	PROPN
gp-129	40	20	pasha	pasha	PROPN
gp-129	40	21	,	,	PUNCT
gp-129	40	22	zaki	zaki	PROPN
gp-129	40	23	ahmad	ahmad	PROPN
gp-129	40	24	431	431	NUM
gp-129	40	25	islamic	islamic	ADJ
gp-129	40	26	finance	finance	NOUN
gp-129	40	27	.	.	PUNCT
gp-129	41	1	therefore	therefore	ADV
gp-129	41	2	,	,	PUNCT
gp-129	41	3	this	this	DET
gp-129	41	4	study	study	NOUN
gp-129	41	5	aims	aim	VERB
gp-129	41	6	to	to	PART
gp-129	41	7	address	address	VERB
gp-129	41	8	this	this	DET
gp-129	41	9	gap	gap	NOUN
gp-129	41	10	by	by	ADP
gp-129	41	11	providing	provide	VERB
gp-129	41	12	insights	insight	NOUN
gp-129	41	13	that	that	PRON
gp-129	41	14	can	can	AUX
gp-129	41	15	inform	inform	VERB
gp-129	41	16	more	more	ADJ
gp-129	41	17	inclusive	inclusive	ADJ
gp-129	41	18	and	and	CCONJ
gp-129	41	19	equitable	equitable	ADJ
gp-129	41	20	policy	policy	NOUN
gp-129	41	21	-	-	PUNCT
gp-129	41	22	making	making	NOUN
gp-129	41	23	.	.	PUNCT
gp-129	42	1	the	the	DET
gp-129	42	2	primary	primary	ADJ
gp-129	42	3	objective	objective	NOUN
gp-129	42	4	of	of	ADP
gp-129	42	5	this	this	DET
gp-129	42	6	research	research	NOUN
gp-129	42	7	is	be	AUX
gp-129	42	8	to	to	PART
gp-129	42	9	analyze	analyze	VERB
gp-129	42	10	the	the	DET
gp-129	42	11	implementation	implementation	NOUN
gp-129	42	12	of	of	ADP
gp-129	42	13	islamic	islamic	ADJ
gp-129	42	14	finance	finance	NOUN
gp-129	42	15	in	in	ADP
gp-129	42	16	improving	improve	VERB
gp-129	42	17	economic	economic	ADJ
gp-129	42	18	welfare	welfare	NOUN
gp-129	42	19	among	among	ADP
gp-129	42	20	muslim	muslim	ADJ
gp-129	42	21	communities	community	NOUN
gp-129	42	22	(	(	PUNCT
gp-129	42	23	widiarto	widiarto	NOUN
gp-129	42	24	&	&	CCONJ
gp-129	42	25	emrouznejad	emrouznejad	NOUN
gp-129	42	26	,	,	PUNCT
gp-129	42	27	2015	2015	NUM
gp-129	42	28	)	)	PUNCT
gp-129	42	29	.	.	PUNCT
gp-129	43	1	it	it	PRON
gp-129	43	2	also	also	ADV
gp-129	43	3	seeks	seek	VERB
gp-129	43	4	to	to	PART
gp-129	43	5	identify	identify	VERB
gp-129	43	6	factors	factor	NOUN
gp-129	43	7	that	that	PRON
gp-129	43	8	influence	influence	VERB
gp-129	43	9	the	the	DET
gp-129	43	10	success	success	NOUN
gp-129	43	11	or	or	CCONJ
gp-129	43	12	failure	failure	NOUN
gp-129	43	13	of	of	ADP
gp-129	43	14	islamic	islamic	ADJ
gp-129	43	15	finance	finance	NOUN
gp-129	43	16	implementation	implementation	NOUN
gp-129	43	17	in	in	ADP
gp-129	43	18	these	these	DET
gp-129	43	19	communities	community	NOUN
gp-129	43	20	.	.	PUNCT
gp-129	44	1	furthermore	furthermore	ADV
gp-129	44	2	,	,	PUNCT
gp-129	44	3	the	the	DET
gp-129	44	4	study	study	NOUN
gp-129	44	5	aims	aim	VERB
gp-129	44	6	to	to	PART
gp-129	44	7	explore	explore	VERB
gp-129	44	8	the	the	DET
gp-129	44	9	relationship	relationship	NOUN
gp-129	44	10	between	between	ADP
gp-129	44	11	community	community	NOUN
gp-129	44	12	understanding	understanding	NOUN
gp-129	44	13	of	of	ADP
gp-129	44	14	islamic	islamic	ADJ
gp-129	44	15	finance	finance	NOUN
gp-129	44	16	and	and	CCONJ
gp-129	44	17	their	their	PRON
gp-129	44	18	level	level	NOUN
gp-129	44	19	of	of	ADP
gp-129	44	20	economic	economic	ADJ
gp-129	44	21	welfare	welfare	NOUN
gp-129	44	22	.	.	PUNCT
gp-129	45	1	by	by	ADP
gp-129	45	2	doing	do	VERB
gp-129	45	3	so	so	ADV
gp-129	45	4	,	,	PUNCT
gp-129	45	5	the	the	DET
gp-129	45	6	research	research	NOUN
gp-129	45	7	aims	aim	VERB
gp-129	45	8	to	to	PART
gp-129	45	9	provide	provide	VERB
gp-129	45	10	actionable	actionable	ADJ
gp-129	45	11	recommendations	recommendation	NOUN
gp-129	45	12	for	for	ADP
gp-129	45	13	governments	government	NOUN
gp-129	45	14	,	,	PUNCT
gp-129	45	15	islamic	islamic	ADJ
gp-129	45	16	financial	financial	ADJ
gp-129	45	17	institutions	institution	NOUN
gp-129	45	18	,	,	PUNCT
gp-129	45	19	and	and	CCONJ
gp-129	45	20	communities	community	NOUN
gp-129	45	21	to	to	PART
gp-129	45	22	enhance	enhance	VERB
gp-129	45	23	the	the	DET
gp-129	45	24	effectiveness	effectiveness	NOUN
gp-129	45	25	of	of	ADP
gp-129	45	26	islamic	islamic	ADJ
gp-129	45	27	finance	finance	NOUN
gp-129	45	28	in	in	ADP
gp-129	45	29	fostering	foster	VERB
gp-129	45	30	economic	economic	ADJ
gp-129	45	31	empowerment	empowerment	NOUN
gp-129	45	32	..	..	PUNCT
gp-129	45	33	research	research	NOUN
gp-129	45	34	methods	method	NOUN
gp-129	45	35	this	this	DET
gp-129	45	36	research	research	NOUN
gp-129	45	37	employs	employ	VERB
gp-129	45	38	qualitative	qualitative	ADJ
gp-129	45	39	methods	method	NOUN
gp-129	45	40	with	with	ADP
gp-129	45	41	a	a	DET
gp-129	45	42	descriptive	descriptive	ADJ
gp-129	45	43	approach	approach	NOUN
gp-129	45	44	,	,	PUNCT
gp-129	45	45	aiming	aim	VERB
gp-129	45	46	to	to	PART
gp-129	45	47	deeply	deeply	ADV
gp-129	45	48	understand	understand	VERB
gp-129	45	49	the	the	DET
gp-129	45	50	implementation	implementation	NOUN
gp-129	45	51	of	of	ADP
gp-129	45	52	islamic	islamic	ADJ
gp-129	45	53	finance	finance	NOUN
gp-129	45	54	on	on	ADP
gp-129	45	55	economic	economic	ADJ
gp-129	45	56	welfare	welfare	NOUN
gp-129	45	57	among	among	ADP
gp-129	45	58	muslim	muslim	ADJ
gp-129	45	59	communities	community	NOUN
gp-129	45	60	.	.	PUNCT
gp-129	46	1	the	the	DET
gp-129	46	2	research	research	NOUN
gp-129	46	3	methodology	methodology	NOUN
gp-129	46	4	is	be	AUX
gp-129	46	5	designed	design	VERB
gp-129	46	6	to	to	PART
gp-129	46	7	provide	provide	VERB
gp-129	46	8	relevant	relevant	ADJ
gp-129	46	9	and	and	CCONJ
gp-129	46	10	applicable	applicable	ADJ
gp-129	46	11	solutions	solution	NOUN
gp-129	46	12	to	to	ADP
gp-129	46	13	existing	exist	VERB
gp-129	46	14	problems	problem	NOUN
gp-129	46	15	by	by	ADP
gp-129	46	16	exploring	explore	VERB
gp-129	46	17	aspects	aspect	NOUN
gp-129	46	18	related	relate	VERB
gp-129	46	19	to	to	ADP
gp-129	46	20	the	the	DET
gp-129	46	21	implementation	implementation	NOUN
gp-129	46	22	of	of	ADP
gp-129	46	23	islamic	islamic	ADJ
gp-129	46	24	finance	finance	NOUN
gp-129	46	25	at	at	ADP
gp-129	46	26	the	the	DET
gp-129	46	27	micro	micro	ADJ
gp-129	46	28	level	level	NOUN
gp-129	46	29	.	.	PUNCT
gp-129	47	1	data	datum	NOUN
gp-129	47	2	collection	collection	NOUN
gp-129	47	3	techniques	technique	NOUN
gp-129	47	4	include	include	VERB
gp-129	47	5	in	in	ADP
gp-129	47	6	-	-	PUNCT
gp-129	47	7	depth	depth	NOUN
gp-129	47	8	interviews	interview	NOUN
gp-129	47	9	,	,	PUNCT
gp-129	47	10	focus	focus	NOUN
gp-129	47	11	group	group	NOUN
gp-129	47	12	discussions	discussion	NOUN
gp-129	47	13	(	(	PUNCT
gp-129	47	14	fgds	fgds	PROPN
gp-129	47	15	)	)	PUNCT
gp-129	47	16	,	,	PUNCT
gp-129	47	17	and	and	CCONJ
gp-129	47	18	direct	direct	ADJ
gp-129	47	19	observation	observation	NOUN
gp-129	47	20	.	.	PUNCT
gp-129	48	1	these	these	DET
gp-129	48	2	techniques	technique	NOUN
gp-129	48	3	were	be	AUX
gp-129	48	4	applied	apply	VERB
gp-129	48	5	to	to	PART
gp-129	48	6	gather	gather	VERB
gp-129	48	7	detailed	detailed	ADJ
gp-129	48	8	insights	insight	NOUN
gp-129	48	9	from	from	ADP
gp-129	48	10	participants	participant	NOUN
gp-129	48	11	,	,	PUNCT
gp-129	48	12	including	include	VERB
gp-129	48	13	their	their	PRON
gp-129	48	14	experiences	experience	NOUN
gp-129	48	15	,	,	PUNCT
gp-129	48	16	perceptions	perception	NOUN
gp-129	48	17	,	,	PUNCT
gp-129	48	18	and	and	CCONJ
gp-129	48	19	practices	practice	NOUN
gp-129	48	20	related	relate	VERB
gp-129	48	21	to	to	ADP
gp-129	48	22	islamic	islamic	ADJ
gp-129	48	23	finance	finance	NOUN
gp-129	48	24	.	.	PUNCT
gp-129	49	1	secondary	secondary	ADJ
gp-129	49	2	data	datum	NOUN
gp-129	49	3	,	,	PUNCT
gp-129	49	4	such	such	ADJ
gp-129	49	5	as	as	ADP
gp-129	49	6	geographical	geographical	ADJ
gp-129	49	7	and	and	CCONJ
gp-129	49	8	demographic	demographic	ADJ
gp-129	49	9	information	information	NOUN
gp-129	49	10	,	,	PUNCT
gp-129	49	11	were	be	AUX
gp-129	49	12	obtained	obtain	VERB
gp-129	49	13	from	from	ADP
gp-129	49	14	official	official	ADJ
gp-129	49	15	reports	report	NOUN
gp-129	49	16	and	and	CCONJ
gp-129	49	17	publications	publication	NOUN
gp-129	49	18	to	to	PART
gp-129	49	19	ensure	ensure	VERB
gp-129	49	20	the	the	DET
gp-129	49	21	accuracy	accuracy	NOUN
gp-129	49	22	and	and	CCONJ
gp-129	49	23	relevance	relevance	NOUN
gp-129	49	24	of	of	ADP
gp-129	49	25	the	the	DET
gp-129	49	26	research	research	NOUN
gp-129	49	27	locations	location	NOUN
gp-129	49	28	.	.	PUNCT
gp-129	50	1	this	this	DET
gp-129	50	2	study	study	NOUN
gp-129	50	3	was	be	AUX
gp-129	50	4	conducted	conduct	VERB
gp-129	50	5	in	in	ADP
gp-129	50	6	several	several	ADJ
gp-129	50	7	areas	area	NOUN
gp-129	50	8	with	with	ADP
gp-129	50	9	significant	significant	ADJ
gp-129	50	10	muslim	muslim	ADJ
gp-129	50	11	populations	population	NOUN
gp-129	50	12	,	,	PUNCT
gp-129	50	13	specifically	specifically	ADV
gp-129	50	14	urban	urban	ADJ
gp-129	50	15	and	and	CCONJ
gp-129	50	16	semi	semi	ADJ
gp-129	50	17	-	-	ADJ
gp-129	50	18	urban	urban	ADJ
gp-129	50	19	areas	area	NOUN
gp-129	50	20	in	in	ADP
gp-129	50	21	indonesia	indonesia	PROPN
gp-129	50	22	.	.	PUNCT
gp-129	51	1	these	these	DET
gp-129	51	2	locations	location	NOUN
gp-129	51	3	were	be	AUX
gp-129	51	4	selected	select	VERB
gp-129	51	5	based	base	VERB
gp-129	51	6	on	on	ADP
gp-129	51	7	the	the	DET
gp-129	51	8	accessibility	accessibility	NOUN
gp-129	51	9	of	of	ADP
gp-129	51	10	various	various	ADJ
gp-129	51	11	islamic	islamic	ADJ
gp-129	51	12	financial	financial	ADJ
gp-129	51	13	institutions	institution	NOUN
gp-129	51	14	,	,	PUNCT
gp-129	51	15	such	such	ADJ
gp-129	51	16	as	as	ADP
gp-129	51	17	islamic	islamic	ADJ
gp-129	51	18	banks	bank	NOUN
gp-129	51	19	,	,	PUNCT
gp-129	51	20	islamic	islamic	ADJ
gp-129	51	21	cooperatives	cooperative	NOUN
gp-129	51	22	,	,	PUNCT
gp-129	51	23	and	and	CCONJ
gp-129	51	24	zakat	zakat	NOUN
gp-129	51	25	institutions	institution	NOUN
gp-129	51	26	.	.	PUNCT
gp-129	52	1	the	the	DET
gp-129	52	2	selection	selection	NOUN
gp-129	52	3	process	process	NOUN
gp-129	52	4	also	also	ADV
gp-129	52	5	considered	consider	VERB
gp-129	52	6	the	the	DET
gp-129	52	7	presence	presence	NOUN
gp-129	52	8	of	of	ADP
gp-129	52	9	muslim	muslim	ADJ
gp-129	52	10	communities	community	NOUN
gp-129	52	11	actively	actively	ADV
gp-129	52	12	utilizing	utilize	VERB
gp-129	52	13	islamic	islamic	ADJ
gp-129	52	14	financial	financial	ADJ
gp-129	52	15	services	service	NOUN
gp-129	52	16	(	(	PUNCT
gp-129	52	17	ullah	ullah	PROPN
gp-129	52	18	et	et	PROPN
gp-129	52	19	al	al	PROPN
gp-129	52	20	.	.	PROPN
gp-129	52	21	,	,	PUNCT
gp-129	52	22	2018	2018	NUM
gp-129	52	23	)	)	PUNCT
gp-129	52	24	.	.	PUNCT
gp-129	53	1	the	the	DET
gp-129	53	2	population	population	NOUN
gp-129	53	3	of	of	ADP
gp-129	53	4	this	this	DET
gp-129	53	5	study	study	NOUN
gp-129	53	6	consists	consist	VERB
gp-129	53	7	of	of	ADP
gp-129	53	8	muslim	muslim	ADJ
gp-129	53	9	communities	community	NOUN
gp-129	53	10	residing	reside	VERB
gp-129	53	11	in	in	ADP
gp-129	53	12	the	the	DET
gp-129	53	13	research	research	NOUN
gp-129	53	14	locations	location	NOUN
gp-129	53	15	,	,	PUNCT
gp-129	53	16	focusing	focus	VERB
gp-129	53	17	on	on	ADP
gp-129	53	18	individuals	individual	NOUN
gp-129	53	19	who	who	PRON
gp-129	53	20	have	have	AUX
gp-129	53	21	used	use	VERB
gp-129	53	22	or	or	CCONJ
gp-129	53	23	are	be	AUX
gp-129	53	24	currently	currently	ADV
gp-129	53	25	using	use	VERB
gp-129	53	26	islamic	islamic	ADJ
gp-129	53	27	financial	financial	ADJ
gp-129	53	28	services	service	NOUN
gp-129	53	29	.	.	PUNCT
gp-129	54	1	the	the	DET
gp-129	54	2	sample	sample	NOUN
gp-129	54	3	was	be	AUX
gp-129	54	4	selected	select	VERB
gp-129	54	5	using	use	VERB
gp-129	54	6	the	the	DET
gp-129	54	7	purposive	purposive	ADJ
gp-129	54	8	sampling	sampling	NOUN
gp-129	54	9	method	method	NOUN
gp-129	54	10	,	,	PUNCT
gp-129	54	11	targeting	target	VERB
gp-129	54	12	individuals	individual	NOUN
gp-129	54	13	who	who	PRON
gp-129	54	14	meet	meet	VERB
gp-129	54	15	specific	specific	ADJ
gp-129	54	16	criteria	criterion	NOUN
gp-129	54	17	.	.	PUNCT
gp-129	55	1	data	datum	NOUN
gp-129	55	2	analysis	analysis	NOUN
gp-129	55	3	techniques	technique	NOUN
gp-129	55	4	include	include	VERB
gp-129	55	5	thematic	thematic	ADJ
gp-129	55	6	analysis	analysis	NOUN
gp-129	55	7	,	,	PUNCT
gp-129	55	8	which	which	PRON
gp-129	55	9	was	be	AUX
gp-129	55	10	employed	employ	VERB
gp-129	55	11	to	to	PART
gp-129	55	12	identify	identify	VERB
gp-129	55	13	,	,	PUNCT
gp-129	55	14	analyze	analyze	VERB
gp-129	55	15	,	,	PUNCT
gp-129	55	16	and	and	CCONJ
gp-129	55	17	interpret	interpret	VERB
gp-129	55	18	patterns	pattern	NOUN
gp-129	55	19	or	or	CCONJ
gp-129	55	20	themes	theme	NOUN
gp-129	55	21	in	in	ADP
gp-129	55	22	the	the	DET
gp-129	55	23	qualitative	qualitative	ADJ
gp-129	55	24	data	datum	NOUN
gp-129	55	25	,	,	PUNCT
gp-129	55	26	providing	provide	VERB
gp-129	55	27	a	a	DET
gp-129	55	28	comprehensive	comprehensive	ADJ
gp-129	55	29	understanding	understanding	NOUN
gp-129	55	30	of	of	ADP
gp-129	55	31	the	the	DET
gp-129	55	32	implementation	implementation	NOUN
gp-129	55	33	of	of	ADP
gp-129	55	34	islamic	islamic	ADJ
gp-129	55	35	finance	finance	NOUN
gp-129	55	36	in	in	ADP
gp-129	55	37	improving	improve	VERB
gp-129	55	38	economic	economic	ADJ
gp-129	55	39	welfare	welfare	NOUN
gp-129	55	40	.	.	PUNCT
gp-129	56	1	result	result	NOUN
gp-129	56	2	and	and	CCONJ
gp-129	56	3	discussion	discussion	NOUN
gp-129	56	4	research	research	NOUN
gp-129	56	5	study	study	NOUN
gp-129	56	6	profile	profile	NOUN
gp-129	56	7	this	this	DET
gp-129	56	8	research	research	NOUN
gp-129	56	9	was	be	AUX
gp-129	56	10	conducted	conduct	VERB
gp-129	56	11	in	in	ADP
gp-129	56	12	several	several	ADJ
gp-129	56	13	regions	region	NOUN
gp-129	56	14	in	in	ADP
gp-129	56	15	indonesia	indonesia	PROPN
gp-129	56	16	,	,	PUNCT
gp-129	56	17	with	with	ADP
gp-129	56	18	the	the	DET
gp-129	56	19	main	main	ADJ
gp-129	56	20	focus	focus	NOUN
gp-129	56	21	on	on	ADP
gp-129	56	22	muslim	muslim	ADJ
gp-129	56	23	communities	community	NOUN
gp-129	56	24	who	who	PRON
gp-129	56	25	have	have	AUX
gp-129	56	26	used	use	VERB
gp-129	56	27	islamic	islamic	ADJ
gp-129	56	28	financial	financial	ADJ
gp-129	56	29	services	service	NOUN
gp-129	56	30	(	(	PUNCT
gp-129	56	31	utomo	utomo	PROPN
gp-129	56	32	et	et	PROPN
gp-129	56	33	al	al	PROPN
gp-129	56	34	.	.	PROPN
gp-129	56	35	,	,	PUNCT
gp-129	56	36	2021	2021	NUM
gp-129	56	37	)	)	PUNCT
gp-129	56	38	.	.	PUNCT
gp-129	57	1	the	the	DET
gp-129	57	2	research	research	NOUN
gp-129	57	3	areas	area	NOUN
gp-129	57	4	include	include	VERB
gp-129	57	5	urban	urban	ADJ
gp-129	57	6	areas	area	NOUN
gp-129	57	7	such	such	ADJ
gp-129	57	8	as	as	ADP
gp-129	57	9	jakarta	jakarta	PROPN
gp-129	57	10	and	and	CCONJ
gp-129	57	11	surabaya	surabaya	PROPN
gp-129	57	12	,	,	PUNCT
gp-129	57	13	as	as	ADV
gp-129	57	14	well	well	ADV
gp-129	57	15	as	as	ADP
gp-129	57	16	semi	semi	ADJ
gp-129	57	17	-	-	ADJ
gp-129	57	18	urban	urban	ADJ
gp-129	57	19	areas	area	NOUN
gp-129	57	20	such	such	ADJ
gp-129	57	21	as	as	ADP
gp-129	57	22	cirebon	cirebon	NOUN
gp-129	57	23	and	and	CCONJ
gp-129	57	24	american	american	ADJ
gp-129	57	25	journal	journal	PROPN
gp-129	57	26	of	of	ADP
gp-129	57	27	economic	economic	ADJ
gp-129	57	28	and	and	CCONJ
gp-129	57	29	management	management	NOUN
gp-129	57	30	business	business	NOUN
gp-129	57	31	vol	vol	NOUN
gp-129	57	32	.	.	PROPN
gp-129	58	1	3	3	NUM
gp-129	59	1	no	no	NOUN
gp-129	59	2	.	.	NOUN
gp-129	60	1	11	11	NUM
gp-129	60	2	november	november	PROPN
gp-129	60	3	2024	2024	NUM
gp-129	60	4	432	432	NUM
gp-129	60	5	purwakarta	purwakarta	NOUN
gp-129	60	6	.	.	PUNCT
gp-129	61	1	the	the	DET
gp-129	61	2	selection	selection	NOUN
gp-129	61	3	of	of	ADP
gp-129	61	4	these	these	DET
gp-129	61	5	locations	location	NOUN
gp-129	61	6	considered	consider	VERB
gp-129	61	7	variations	variation	NOUN
gp-129	61	8	in	in	ADP
gp-129	61	9	accessibility	accessibility	NOUN
gp-129	61	10	to	to	ADP
gp-129	61	11	islamic	islamic	ADJ
gp-129	61	12	financial	financial	ADJ
gp-129	61	13	institutions	institution	NOUN
gp-129	61	14	,	,	PUNCT
gp-129	61	15	including	include	VERB
gp-129	61	16	islamic	islamic	ADJ
gp-129	61	17	banks	bank	NOUN
gp-129	61	18	,	,	PUNCT
gp-129	61	19	islamic	islamic	ADJ
gp-129	61	20	cooperatives	cooperative	NOUN
gp-129	61	21	,	,	PUNCT
gp-129	61	22	and	and	CCONJ
gp-129	61	23	zakat	zakat	NOUN
gp-129	61	24	institutions	institution	NOUN
gp-129	61	25	.	.	PUNCT
gp-129	62	1	the	the	DET
gp-129	62	2	respondents	respondent	NOUN
gp-129	62	3	consisted	consist	VERB
gp-129	62	4	of	of	ADP
gp-129	62	5	45	45	NUM
gp-129	62	6	individuals	individual	NOUN
gp-129	62	7	selected	select	VERB
gp-129	62	8	through	through	ADP
gp-129	62	9	purposive	purposive	ADJ
gp-129	62	10	sampling	sampling	NOUN
gp-129	62	11	.	.	PUNCT
gp-129	63	1	60	60	NUM
gp-129	63	2	%	%	NOUN
gp-129	63	3	of	of	ADP
gp-129	63	4	respondents	respondent	NOUN
gp-129	63	5	came	come	VERB
gp-129	63	6	from	from	ADP
gp-129	63	7	urban	urban	ADJ
gp-129	63	8	areas	area	NOUN
gp-129	63	9	,	,	PUNCT
gp-129	63	10	while	while	SCONJ
gp-129	63	11	40	40	NUM
gp-129	63	12	%	%	NOUN
gp-129	63	13	came	come	VERB
gp-129	63	14	from	from	ADP
gp-129	63	15	semi	semi	ADJ
gp-129	63	16	-	-	ADJ
gp-129	63	17	urban	urban	ADJ
gp-129	63	18	areas	area	NOUN
gp-129	63	19	.	.	PUNCT
gp-129	64	1	the	the	DET
gp-129	64	2	majority	majority	NOUN
gp-129	64	3	of	of	ADP
gp-129	64	4	respondents	respondent	NOUN
gp-129	64	5	were	be	AUX
gp-129	64	6	between	between	ADP
gp-129	64	7	25	25	NUM
gp-129	64	8	and	and	CCONJ
gp-129	64	9	45	45	NUM
gp-129	64	10	years	year	NOUN
gp-129	64	11	old	old	ADJ
gp-129	64	12	,	,	PUNCT
gp-129	64	13	with	with	ADP
gp-129	64	14	a	a	DET
gp-129	64	15	minimum	minimum	ADJ
gp-129	64	16	education	education	NOUN
gp-129	64	17	level	level	NOUN
gp-129	64	18	in	in	ADP
gp-129	64	19	high	high	ADJ
gp-129	64	20	school	school	NOUN
gp-129	64	21	.	.	PUNCT
gp-129	65	1	70	70	NUM
gp-129	65	2	%	%	NOUN
gp-129	65	3	of	of	ADP
gp-129	65	4	respondents	respondent	NOUN
gp-129	65	5	have	have	AUX
gp-129	65	6	been	be	AUX
gp-129	65	7	using	use	VERB
gp-129	65	8	islamic	islamic	ADJ
gp-129	65	9	financial	financial	ADJ
gp-129	65	10	services	service	NOUN
gp-129	65	11	for	for	ADP
gp-129	65	12	more	more	ADJ
gp-129	65	13	than	than	ADP
gp-129	65	14	two	two	NUM
gp-129	65	15	years	year	NOUN
gp-129	65	16	,	,	PUNCT
gp-129	65	17	while	while	SCONJ
gp-129	65	18	the	the	DET
gp-129	65	19	remaining	remain	VERB
gp-129	65	20	30	30	NUM
gp-129	65	21	%	%	NOUN
gp-129	65	22	have	have	AUX
gp-129	65	23	just	just	ADV
gp-129	65	24	started	start	VERB
gp-129	65	25	within	within	ADP
gp-129	65	26	the	the	DET
gp-129	65	27	last	last	ADJ
gp-129	65	28	year	year	NOUN
gp-129	65	29	.	.	PUNCT
gp-129	66	1	respondents	respondent	NOUN
gp-129	66	2	'	'	PART
gp-129	66	3	employment	employment	NOUN
gp-129	66	4	backgrounds	background	NOUN
gp-129	66	5	also	also	ADV
gp-129	66	6	varied	varied	ADJ
gp-129	66	7	,	,	PUNCT
gp-129	66	8	including	include	VERB
gp-129	66	9	private	private	ADJ
gp-129	66	10	employees	employee	NOUN
gp-129	66	11	,	,	PUNCT
gp-129	66	12	self	self	NOUN
gp-129	66	13	-	-	PUNCT
gp-129	66	14	employed	employ	VERB
gp-129	66	15	,	,	PUNCT
gp-129	66	16	housewives	housewife	NOUN
gp-129	66	17	,	,	PUNCT
gp-129	66	18	and	and	CCONJ
gp-129	66	19	informal	informal	ADJ
gp-129	66	20	sector	sector	NOUN
gp-129	66	21	workers	worker	NOUN
gp-129	66	22	.	.	PUNCT
gp-129	67	1	specific	specific	ADJ
gp-129	67	2	description	description	NOUN
gp-129	67	3	of	of	ADP
gp-129	67	4	variables	variable	NOUN
gp-129	67	5	studied	study	VERB
gp-129	67	6	this	this	DET
gp-129	67	7	research	research	NOUN
gp-129	67	8	focuses	focus	VERB
gp-129	67	9	on	on	ADP
gp-129	67	10	two	two	NUM
gp-129	67	11	main	main	ADJ
gp-129	67	12	variables	variable	NOUN
gp-129	67	13	:	:	PUNCT
gp-129	67	14	islamic	islamic	ADJ
gp-129	67	15	finance	finance	NOUN
gp-129	67	16	and	and	CCONJ
gp-129	67	17	economic	economic	ADJ
gp-129	67	18	well	well	NOUN
gp-129	67	19	-	-	PUNCT
gp-129	67	20	being	being	NOUN
gp-129	67	21	.	.	PUNCT
gp-129	68	1	the	the	DET
gp-129	68	2	islamic	islamic	PROPN
gp-129	68	3	finance	finance	PROPN
gp-129	68	4	variable	variable	NOUN
gp-129	68	5	includes	include	VERB
gp-129	68	6	three	three	NUM
gp-129	68	7	main	main	ADJ
gp-129	68	8	dimensions	dimension	NOUN
gp-129	68	9	:	:	PUNCT
gp-129	68	10	1	1	X
gp-129	68	11	.	.	X
gp-129	68	12	islamic	islamic	ADJ
gp-129	68	13	financial	financial	ADJ
gp-129	68	14	literacy	literacy	NOUN
gp-129	68	15	,	,	PUNCT
gp-129	68	16	measured	measure	VERB
gp-129	68	17	based	base	VERB
gp-129	68	18	on	on	ADP
gp-129	68	19	respondents	respondent	NOUN
gp-129	68	20	'	'	PART
gp-129	68	21	understanding	understanding	NOUN
gp-129	68	22	of	of	ADP
gp-129	68	23	sharia	sharia	PROPN
gp-129	68	24	principles	principle	NOUN
gp-129	68	25	,	,	PUNCT
gp-129	68	26	such	such	ADJ
gp-129	68	27	as	as	ADP
gp-129	68	28	the	the	DET
gp-129	68	29	prohibition	prohibition	NOUN
gp-129	68	30	of	of	ADP
gp-129	68	31	usury	usury	NOUN
gp-129	68	32	and	and	CCONJ
gp-129	68	33	gharar	gharar	NOUN
gp-129	68	34	.	.	PUNCT
gp-129	69	1	2	2	X
gp-129	69	2	.	.	X
gp-129	69	3	accessibility	accessibility	NOUN
gp-129	69	4	of	of	ADP
gp-129	69	5	islamic	islamic	ADJ
gp-129	69	6	financial	financial	ADJ
gp-129	69	7	services	service	NOUN
gp-129	69	8	,	,	PUNCT
gp-129	69	9	including	include	VERB
gp-129	69	10	ease	ease	NOUN
gp-129	69	11	of	of	ADP
gp-129	69	12	access	access	NOUN
gp-129	69	13	to	to	ADP
gp-129	69	14	products	product	NOUN
gp-129	69	15	such	such	ADJ
gp-129	69	16	as	as	ADP
gp-129	69	17	islamic	islamic	ADJ
gp-129	69	18	savings	saving	NOUN
gp-129	69	19	,	,	PUNCT
gp-129	69	20	islamic	islamic	ADJ
gp-129	69	21	financing	financing	NOUN
gp-129	69	22	,	,	PUNCT
gp-129	69	23	and	and	CCONJ
gp-129	69	24	islamic	islamic	ADJ
gp-129	69	25	insurance	insurance	NOUN
gp-129	69	26	.	.	PUNCT
gp-129	70	1	3	3	X
gp-129	70	2	.	.	X
gp-129	70	3	the	the	DET
gp-129	70	4	economic	economic	ADJ
gp-129	70	5	benefits	benefit	NOUN
gp-129	70	6	of	of	ADP
gp-129	70	7	islamic	islamic	ADJ
gp-129	70	8	financial	financial	ADJ
gp-129	70	9	products	product	NOUN
gp-129	70	10	are	be	AUX
gp-129	70	11	measured	measure	VERB
gp-129	70	12	through	through	ADP
gp-129	70	13	indicators	indicator	NOUN
gp-129	70	14	of	of	ADP
gp-129	70	15	increased	increase	VERB
gp-129	70	16	income	income	NOUN
gp-129	70	17	,	,	PUNCT
gp-129	70	18	financial	financial	ADJ
gp-129	70	19	stability	stability	NOUN
gp-129	70	20	,	,	PUNCT
gp-129	70	21	and	and	CCONJ
gp-129	70	22	the	the	DET
gp-129	70	23	ability	ability	NOUN
gp-129	70	24	to	to	PART
gp-129	70	25	save	save	VERB
gp-129	70	26	.	.	PUNCT
gp-129	71	1	meanwhile	meanwhile	ADV
gp-129	71	2	,	,	PUNCT
gp-129	71	3	the	the	DET
gp-129	71	4	economic	economic	ADJ
gp-129	71	5	welfare	welfare	NOUN
gp-129	71	6	variable	variable	NOUN
gp-129	71	7	includes	include	VERB
gp-129	71	8	three	three	NUM
gp-129	71	9	aspects	aspect	NOUN
gp-129	71	10	:	:	PUNCT
gp-129	71	11	1	1	X
gp-129	71	12	.	.	NUM
gp-129	71	13	increased	increase	VERB
gp-129	71	14	household	household	NOUN
gp-129	71	15	income	income	NOUN
gp-129	71	16	is	be	AUX
gp-129	71	17	seen	see	VERB
gp-129	71	18	from	from	ADP
gp-129	71	19	changes	change	NOUN
gp-129	71	20	in	in	ADP
gp-129	71	21	income	income	NOUN
gp-129	71	22	after	after	ADP
gp-129	71	23	using	use	VERB
gp-129	71	24	islamic	islamic	ADJ
gp-129	71	25	financial	financial	ADJ
gp-129	71	26	services	service	NOUN
gp-129	71	27	.	.	PUNCT
gp-129	72	1	2	2	X
gp-129	72	2	.	.	X
gp-129	72	3	the	the	DET
gp-129	72	4	ability	ability	NOUN
gp-129	72	5	to	to	PART
gp-129	72	6	fulfill	fulfill	VERB
gp-129	72	7	basic	basic	ADJ
gp-129	72	8	needs	need	NOUN
gp-129	72	9	,	,	PUNCT
gp-129	72	10	such	such	ADJ
gp-129	72	11	as	as	ADP
gp-129	72	12	food	food	NOUN
gp-129	72	13	,	,	PUNCT
gp-129	72	14	clothing	clothing	NOUN
gp-129	72	15	,	,	PUNCT
gp-129	72	16	and	and	CCONJ
gp-129	72	17	education	education	NOUN
gp-129	72	18	.	.	PUNCT
gp-129	73	1	3	3	X
gp-129	73	2	.	.	X
gp-129	73	3	household	household	NOUN
gp-129	73	4	financial	financial	ADJ
gp-129	73	5	balance	balance	NOUN
gp-129	73	6	,	,	PUNCT
gp-129	73	7	measured	measure	VERB
gp-129	73	8	through	through	ADP
gp-129	73	9	the	the	DET
gp-129	73	10	existence	existence	NOUN
gp-129	73	11	of	of	ADP
gp-129	73	12	an	an	DET
gp-129	73	13	emergency	emergency	NOUN
gp-129	73	14	fund	fund	NOUN
gp-129	73	15	and	and	CCONJ
gp-129	73	16	reduction	reduction	NOUN
gp-129	73	17	of	of	ADP
gp-129	73	18	consumptive	consumptive	ADJ
gp-129	73	19	debt	debt	NOUN
gp-129	73	20	.	.	PUNCT
gp-129	74	1	data	datum	NOUN
gp-129	74	2	used	use	VERB
gp-129	74	3	this	this	DET
gp-129	74	4	research	research	NOUN
gp-129	74	5	utilized	utilize	VERB
gp-129	74	6	three	three	NUM
gp-129	74	7	main	main	ADJ
gp-129	74	8	data	datum	NOUN
gp-129	74	9	sources	source	NOUN
gp-129	74	10	:	:	PUNCT
gp-129	74	11	1	1	X
gp-129	74	12	.	.	X
gp-129	74	13	in	in	ADP
gp-129	74	14	-	-	PUNCT
gp-129	74	15	depth	depth	NOUN
gp-129	74	16	interviews	interview	NOUN
gp-129	74	17	with	with	ADP
gp-129	74	18	45	45	NUM
gp-129	74	19	respondents	respondent	NOUN
gp-129	74	20	to	to	PART
gp-129	74	21	understand	understand	VERB
gp-129	74	22	their	their	PRON
gp-129	74	23	experiences	experience	NOUN
gp-129	74	24	and	and	CCONJ
gp-129	74	25	perceptions	perception	NOUN
gp-129	74	26	of	of	ADP
gp-129	74	27	islamic	islamic	ADJ
gp-129	74	28	finance	finance	NOUN
gp-129	74	29	.	.	PUNCT
gp-129	75	1	2	2	X
gp-129	75	2	.	.	X
gp-129	75	3	secondary	secondary	ADJ
gp-129	75	4	data	datum	NOUN
gp-129	75	5	from	from	ADP
gp-129	75	6	annual	annual	ADJ
gp-129	75	7	reports	report	NOUN
gp-129	75	8	of	of	ADP
gp-129	75	9	islamic	islamic	ADJ
gp-129	75	10	financial	financial	ADJ
gp-129	75	11	institutions	institution	NOUN
gp-129	75	12	,	,	PUNCT
gp-129	75	13	national	national	ADJ
gp-129	75	14	statistics	statistic	NOUN
gp-129	75	15	,	,	PUNCT
gp-129	75	16	and	and	CCONJ
gp-129	75	17	reports	report	NOUN
gp-129	75	18	of	of	ADP
gp-129	75	19	the	the	DET
gp-129	75	20	national	national	PROPN
gp-129	75	21	amil	amil	PROPN
gp-129	75	22	zakat	zakat	PROPN
gp-129	75	23	agency	agency	PROPN
gp-129	75	24	(	(	PUNCT
gp-129	75	25	baznas	baznas	PROPN
gp-129	75	26	)	)	PUNCT
gp-129	75	27	.	.	PUNCT
gp-129	76	1	3	3	X
gp-129	76	2	.	.	X
gp-129	76	3	the	the	DET
gp-129	76	4	results	result	NOUN
gp-129	76	5	of	of	ADP
gp-129	76	6	direct	direct	ADJ
gp-129	76	7	observation	observation	NOUN
gp-129	76	8	in	in	ADP
gp-129	76	9	islamic	islamic	ADJ
gp-129	76	10	financial	financial	ADJ
gp-129	76	11	institutions	institution	NOUN
gp-129	76	12	,	,	PUNCT
gp-129	76	13	including	include	VERB
gp-129	76	14	the	the	DET
gp-129	76	15	pattern	pattern	NOUN
gp-129	76	16	of	of	ADP
gp-129	76	17	interaction	interaction	NOUN
gp-129	76	18	between	between	ADP
gp-129	76	19	officers	officer	NOUN
gp-129	76	20	and	and	CCONJ
gp-129	76	21	customers	customer	NOUN
gp-129	76	22	.	.	PUNCT
gp-129	77	1	from	from	ADP
gp-129	77	2	the	the	DET
gp-129	77	3	data	datum	NOUN
gp-129	77	4	collected	collect	VERB
gp-129	77	5	,	,	PUNCT
gp-129	77	6	75	75	NUM
gp-129	77	7	%	%	NOUN
gp-129	77	8	of	of	ADP
gp-129	77	9	respondents	respondent	NOUN
gp-129	77	10	stated	state	VERB
gp-129	77	11	that	that	SCONJ
gp-129	77	12	they	they	PRON
gp-129	77	13	feel	feel	VERB
gp-129	77	14	more	more	ADV
gp-129	77	15	financially	financially	ADV
gp-129	77	16	stable	stable	ADJ
gp-129	77	17	after	after	ADP
gp-129	77	18	using	use	VERB
gp-129	77	19	islamic	islamic	ADJ
gp-129	77	20	financial	financial	ADJ
gp-129	77	21	services	service	NOUN
gp-129	77	22	.	.	PUNCT
gp-129	78	1	in	in	ADP
gp-129	78	2	contrast	contrast	NOUN
gp-129	78	3	,	,	PUNCT
gp-129	78	4	25	25	NUM
gp-129	78	5	%	%	NOUN
gp-129	78	6	of	of	ADP
gp-129	78	7	respondents	respondent	NOUN
gp-129	78	8	mentioned	mention	VERB
gp-129	78	9	that	that	SCONJ
gp-129	78	10	they	they	PRON
gp-129	78	11	still	still	ADV
gp-129	78	12	face	face	VERB
gp-129	78	13	obstacles	obstacle	NOUN
gp-129	78	14	,	,	PUNCT
gp-129	78	15	such	such	ADJ
gp-129	78	16	as	as	ADP
gp-129	78	17	relatively	relatively	ADV
gp-129	78	18	high	high	ADJ
gp-129	78	19	administrative	administrative	ADJ
gp-129	78	20	costs	cost	NOUN
gp-129	78	21	or	or	CCONJ
gp-129	78	22	a	a	DET
gp-129	78	23	lack	lack	NOUN
gp-129	78	24	of	of	ADP
gp-129	78	25	understanding	understanding	NOUN
gp-129	78	26	of	of	ADP
gp-129	78	27	the	the	DET
gp-129	78	28	products	product	NOUN
gp-129	78	29	offered	offer	VERB
gp-129	78	30	.	.	PUNCT
gp-129	79	1	research	research	NOUN
gp-129	79	2	findings	finding	VERB
gp-129	79	3	sharia	sharia	PROPN
gp-129	79	4	financial	financial	ADJ
gp-129	79	5	literacy	literacy	NOUN
gp-129	79	6	level	level	NOUN
gp-129	79	7	most	most	ADJ
gp-129	79	8	respondents	respondent	NOUN
gp-129	79	9	have	have	VERB
gp-129	79	10	a	a	DET
gp-129	79	11	moderate	moderate	ADJ
gp-129	79	12	level	level	NOUN
gp-129	79	13	of	of	ADP
gp-129	79	14	islamic	islamic	ADJ
gp-129	79	15	financial	financial	ADJ
gp-129	79	16	literacy	literacy	NOUN
gp-129	79	17	.	.	PUNCT
gp-129	80	1	while	while	SCONJ
gp-129	80	2	65	65	NUM
gp-129	80	3	%	%	NOUN
gp-129	80	4	of	of	ADP
gp-129	80	5	respondents	respondent	NOUN
gp-129	80	6	understand	understand	VERB
gp-129	80	7	the	the	DET
gp-129	80	8	basic	basic	ADJ
gp-129	80	9	principles	principle	NOUN
gp-129	80	10	of	of	ADP
gp-129	80	11	islamic	islamic	ADJ
gp-129	80	12	finance	finance	NOUN
gp-129	80	13	,	,	PUNCT
gp-129	80	14	such	such	ADJ
gp-129	80	15	as	as	ADP
gp-129	80	16	the	the	DET
gp-129	80	17	prohibition	prohibition	NOUN
gp-129	80	18	of	of	ADP
gp-129	80	19	riba	riba	PROPN
gp-129	80	20	and	and	CCONJ
gp-129	80	21	elsa	elsa	PROPN
gp-129	80	22	islammia	islammia	PROPN
gp-129	80	23	pasha	pasha	PROPN
gp-129	80	24	,	,	PUNCT
gp-129	80	25	zaki	zaki	PROPN
gp-129	80	26	ahmad	ahmad	PROPN
gp-129	80	27	433	433	NUM
gp-129	80	28	gharar	gharar	NOUN
gp-129	80	29	,	,	PUNCT
gp-129	80	30	only	only	ADV
gp-129	80	31	40	40	NUM
gp-129	80	32	%	%	NOUN
gp-129	80	33	have	have	VERB
gp-129	80	34	an	an	DET
gp-129	80	35	in	in	ADP
gp-129	80	36	-	-	PUNCT
gp-129	80	37	depth	depth	NOUN
gp-129	80	38	understanding	understanding	NOUN
gp-129	80	39	of	of	ADP
gp-129	80	40	product	product	NOUN
gp-129	80	41	mechanisms	mechanism	NOUN
gp-129	80	42	.	.	PUNCT
gp-129	81	1	for	for	ADP
gp-129	81	2	example	example	NOUN
gp-129	81	3	,	,	PUNCT
gp-129	81	4	many	many	ADJ
gp-129	81	5	respondents	respondent	NOUN
gp-129	81	6	knew	know	VERB
gp-129	81	7	about	about	ADP
gp-129	81	8	islamic	islamic	ADJ
gp-129	81	9	savings	saving	NOUN
gp-129	81	10	but	but	CCONJ
gp-129	81	11	did	do	AUX
gp-129	81	12	not	not	PART
gp-129	81	13	understand	understand	VERB
gp-129	81	14	the	the	DET
gp-129	81	15	concept	concept	NOUN
gp-129	81	16	of	of	ADP
gp-129	81	17	profit	profit	NOUN
gp-129	81	18	sharing	sharing	NOUN
gp-129	81	19	in	in	ADP
gp-129	81	20	detail	detail	NOUN
gp-129	81	21	.	.	PUNCT
gp-129	82	1	this	this	DET
gp-129	82	2	level	level	NOUN
gp-129	82	3	of	of	ADP
gp-129	82	4	literacy	literacy	NOUN
gp-129	82	5	correlates	correlate	VERB
gp-129	82	6	with	with	ADP
gp-129	82	7	educational	educational	ADJ
gp-129	82	8	background	background	NOUN
gp-129	82	9	and	and	CCONJ
gp-129	82	10	access	access	NOUN
gp-129	82	11	to	to	ADP
gp-129	82	12	information	information	NOUN
gp-129	82	13	.	.	PUNCT
gp-129	83	1	respondents	respondent	NOUN
gp-129	83	2	with	with	ADP
gp-129	83	3	higher	high	ADJ
gp-129	83	4	education	education	NOUN
gp-129	83	5	levels	level	NOUN
gp-129	83	6	tend	tend	VERB
gp-129	83	7	to	to	PART
gp-129	83	8	have	have	VERB
gp-129	83	9	a	a	DET
gp-129	83	10	better	well	ADJ
gp-129	83	11	understanding	understanding	NOUN
gp-129	83	12	.	.	PUNCT
gp-129	84	1	however	however	ADV
gp-129	84	2	,	,	PUNCT
gp-129	84	3	the	the	DET
gp-129	84	4	lack	lack	NOUN
gp-129	84	5	of	of	ADP
gp-129	84	6	intensive	intensive	ADJ
gp-129	84	7	educational	educational	ADJ
gp-129	84	8	programs	program	NOUN
gp-129	84	9	from	from	ADP
gp-129	84	10	islamic	islamic	ADJ
gp-129	84	11	financial	financial	ADJ
gp-129	84	12	institutions	institution	NOUN
gp-129	84	13	is	be	AUX
gp-129	84	14	one	one	NUM
gp-129	84	15	of	of	ADP
gp-129	84	16	the	the	DET
gp-129	84	17	main	main	ADJ
gp-129	84	18	obstacles	obstacle	NOUN
gp-129	84	19	in	in	ADP
gp-129	84	20	improving	improve	VERB
gp-129	84	21	people	people	NOUN
gp-129	84	22	's	's	PART
gp-129	84	23	financial	financial	ADJ
gp-129	84	24	literacy	literacy	NOUN
gp-129	84	25	.	.	PUNCT
gp-129	85	1	several	several	ADJ
gp-129	85	2	previous	previous	ADJ
gp-129	85	3	studies	study	NOUN
gp-129	85	4	support	support	VERB
gp-129	85	5	this	this	DET
gp-129	85	6	finding	finding	NOUN
gp-129	85	7	.	.	PUNCT
gp-129	86	1	according	accord	VERB
gp-129	86	2	to	to	ADP
gp-129	86	3	a	a	DET
gp-129	86	4	study	study	NOUN
gp-129	86	5	conducted	conduct	VERB
gp-129	86	6	by	by	ADP
gp-129	86	7	rahman	rahman	PROPN
gp-129	86	8	and	and	CCONJ
gp-129	86	9	amin	amin	PROPN
gp-129	86	10	(	(	PUNCT
gp-129	86	11	2020	2020	NUM
gp-129	86	12	)	)	PUNCT
gp-129	86	13	,	,	PUNCT
gp-129	86	14	the	the	DET
gp-129	86	15	level	level	NOUN
gp-129	86	16	of	of	ADP
gp-129	86	17	islamic	islamic	ADJ
gp-129	86	18	financial	financial	ADJ
gp-129	86	19	literacy	literacy	NOUN
gp-129	86	20	among	among	ADP
gp-129	86	21	indonesians	indonesians	PROPN
gp-129	86	22	in	in	ADP
gp-129	86	23	general	general	ADJ
gp-129	86	24	is	be	AUX
gp-129	86	25	still	still	ADV
gp-129	86	26	low	low	ADJ
gp-129	86	27	,	,	PUNCT
gp-129	86	28	especially	especially	ADV
gp-129	86	29	in	in	ADP
gp-129	86	30	understanding	understand	VERB
gp-129	86	31	specific	specific	ADJ
gp-129	86	32	principles	principle	NOUN
gp-129	86	33	such	such	ADJ
gp-129	86	34	as	as	ADP
gp-129	86	35	mudharabah	mudharabah	NOUN
gp-129	86	36	and	and	CCONJ
gp-129	86	37	musyarakah	musyarakah	PROPN
gp-129	86	38	.	.	PUNCT
gp-129	87	1	this	this	DET
gp-129	87	2	study	study	NOUN
gp-129	87	3	shows	show	VERB
gp-129	87	4	that	that	SCONJ
gp-129	87	5	although	although	SCONJ
gp-129	87	6	people	people	NOUN
gp-129	87	7	are	be	AUX
gp-129	87	8	familiar	familiar	ADJ
gp-129	87	9	with	with	ADP
gp-129	87	10	islamic	islamic	ADJ
gp-129	87	11	financial	financial	ADJ
gp-129	87	12	products	product	NOUN
gp-129	87	13	in	in	ADP
gp-129	87	14	general	general	ADJ
gp-129	87	15	,	,	PUNCT
gp-129	87	16	they	they	PRON
gp-129	87	17	still	still	ADV
gp-129	87	18	lack	lack	VERB
gp-129	87	19	an	an	DET
gp-129	87	20	in	in	ADP
gp-129	87	21	-	-	PUNCT
gp-129	87	22	depth	depth	NOUN
gp-129	87	23	understanding	understanding	NOUN
gp-129	87	24	of	of	ADP
gp-129	87	25	their	their	PRON
gp-129	87	26	operational	operational	ADJ
gp-129	87	27	mechanisms	mechanism	NOUN
gp-129	87	28	.	.	PUNCT
gp-129	88	1	this	this	PRON
gp-129	88	2	suggests	suggest	VERB
gp-129	88	3	the	the	DET
gp-129	88	4	need	need	NOUN
gp-129	88	5	for	for	ADP
gp-129	88	6	more	more	ADV
gp-129	88	7	intensive	intensive	ADJ
gp-129	88	8	and	and	CCONJ
gp-129	88	9	structured	structured	ADJ
gp-129	88	10	educational	educational	ADJ
gp-129	88	11	programs	program	NOUN
gp-129	88	12	to	to	PART
gp-129	88	13	improve	improve	VERB
gp-129	88	14	islamic	islamic	ADJ
gp-129	88	15	financial	financial	ADJ
gp-129	88	16	literacy	literacy	NOUN
gp-129	88	17	in	in	ADP
gp-129	88	18	indonesia	indonesia	PROPN
gp-129	88	19	.	.	PUNCT
gp-129	89	1	in	in	ADP
gp-129	89	2	addition	addition	NOUN
gp-129	89	3	,	,	PUNCT
gp-129	89	4	research	research	NOUN
gp-129	89	5	by	by	ADP
gp-129	89	6	nugraha	nugraha	NOUN
gp-129	89	7	and	and	CCONJ
gp-129	89	8	susanto	susanto	NOUN
gp-129	89	9	(	(	PUNCT
gp-129	89	10	2024	2024	NUM
gp-129	89	11	)	)	PUNCT
gp-129	89	12	highlighted	highlight	VERB
gp-129	89	13	that	that	SCONJ
gp-129	89	14	the	the	DET
gp-129	89	15	level	level	NOUN
gp-129	89	16	of	of	ADP
gp-129	89	17	islamic	islamic	ADJ
gp-129	89	18	financial	financial	ADJ
gp-129	89	19	literacy	literacy	NOUN
gp-129	89	20	is	be	AUX
gp-129	89	21	positively	positively	ADV
gp-129	89	22	correlated	correlate	VERB
gp-129	89	23	with	with	ADP
gp-129	89	24	the	the	DET
gp-129	89	25	level	level	NOUN
gp-129	89	26	of	of	ADP
gp-129	89	27	formal	formal	ADJ
gp-129	89	28	education	education	NOUN
gp-129	89	29	and	and	CCONJ
gp-129	89	30	exposure	exposure	NOUN
gp-129	89	31	to	to	ADP
gp-129	89	32	islamic	islamic	ADJ
gp-129	89	33	financial	financial	ADJ
gp-129	89	34	information	information	NOUN
gp-129	89	35	.	.	PUNCT
gp-129	90	1	the	the	DET
gp-129	90	2	study	study	NOUN
gp-129	90	3	revealed	reveal	VERB
gp-129	90	4	that	that	SCONJ
gp-129	90	5	individuals	individual	NOUN
gp-129	90	6	who	who	PRON
gp-129	90	7	have	have	VERB
gp-129	90	8	better	well	ADJ
gp-129	90	9	access	access	NOUN
gp-129	90	10	to	to	ADP
gp-129	90	11	formal	formal	ADJ
gp-129	90	12	education	education	NOUN
gp-129	90	13	and	and	CCONJ
gp-129	90	14	media	medium	NOUN
gp-129	90	15	discussing	discuss	VERB
gp-129	90	16	islamic	islamic	ADJ
gp-129	90	17	finance	finance	NOUN
gp-129	90	18	have	have	VERB
gp-129	90	19	a	a	DET
gp-129	90	20	better	well	ADJ
gp-129	90	21	understanding	understanding	NOUN
gp-129	90	22	of	of	ADP
gp-129	90	23	concepts	concept	NOUN
gp-129	90	24	such	such	ADJ
gp-129	90	25	as	as	ADP
gp-129	90	26	riba	riba	NOUN
gp-129	90	27	,	,	PUNCT
gp-129	90	28	gharar	gharar	NOUN
gp-129	90	29	,	,	PUNCT
gp-129	90	30	and	and	CCONJ
gp-129	90	31	profit	profit	NOUN
gp-129	90	32	-	-	PUNCT
gp-129	90	33	sharing	share	VERB
gp-129	90	34	systems	system	NOUN
gp-129	90	35	.	.	PUNCT
gp-129	91	1	however	however	ADV
gp-129	91	2	,	,	PUNCT
gp-129	91	3	the	the	DET
gp-129	91	4	study	study	NOUN
gp-129	91	5	also	also	ADV
gp-129	91	6	confirms	confirm	VERB
gp-129	91	7	that	that	SCONJ
gp-129	91	8	the	the	DET
gp-129	91	9	amount	amount	NOUN
gp-129	91	10	of	of	ADP
gp-129	91	11	information	information	NOUN
gp-129	91	12	spread	spread	VERB
gp-129	91	13	in	in	ADP
gp-129	91	14	the	the	DET
gp-129	91	15	mass	mass	NOUN
gp-129	91	16	media	medium	NOUN
gp-129	91	17	is	be	AUX
gp-129	91	18	still	still	ADV
gp-129	91	19	not	not	PART
gp-129	91	20	matched	match	VERB
gp-129	91	21	by	by	ADP
gp-129	91	22	explanations	explanation	NOUN
gp-129	91	23	that	that	PRON
gp-129	91	24	are	be	AUX
gp-129	91	25	easily	easily	ADV
gp-129	91	26	understood	understand	VERB
gp-129	91	27	by	by	ADP
gp-129	91	28	ordinary	ordinary	ADJ
gp-129	91	29	people	people	NOUN
gp-129	91	30	,	,	PUNCT
gp-129	91	31	so	so	ADV
gp-129	91	32	its	its	PRON
gp-129	91	33	effectiveness	effectiveness	NOUN
gp-129	91	34	is	be	AUX
gp-129	91	35	limited	limited	ADJ
gp-129	91	36	.	.	PUNCT
gp-129	92	1	these	these	DET
gp-129	92	2	two	two	NUM
gp-129	92	3	studies	study	NOUN
gp-129	92	4	underscore	underscore	VERB
gp-129	92	5	the	the	DET
gp-129	92	6	importance	importance	NOUN
gp-129	92	7	of	of	ADP
gp-129	92	8	improving	improve	VERB
gp-129	92	9	islamic	islamic	ADJ
gp-129	92	10	financial	financial	ADJ
gp-129	92	11	literacy	literacy	NOUN
gp-129	92	12	through	through	ADP
gp-129	92	13	an	an	DET
gp-129	92	14	inclusive	inclusive	ADJ
gp-129	92	15	and	and	CCONJ
gp-129	92	16	community	community	NOUN
gp-129	92	17	-	-	PUNCT
gp-129	92	18	based	base	VERB
gp-129	92	19	education	education	NOUN
gp-129	92	20	approach	approach	NOUN
gp-129	92	21	,	,	PUNCT
gp-129	92	22	involving	involve	VERB
gp-129	92	23	islamic	islamic	ADJ
gp-129	92	24	financial	financial	ADJ
gp-129	92	25	institutions	institution	NOUN
gp-129	92	26	as	as	ADP
gp-129	92	27	lead	lead	NOUN
gp-129	92	28	agents	agent	NOUN
gp-129	92	29	(	(	PUNCT
gp-129	92	30	qizam	qizam	NOUN
gp-129	92	31	et	et	PROPN
gp-129	92	32	al	al	PROPN
gp-129	92	33	.	.	PROPN
gp-129	92	34	,	,	PUNCT
gp-129	92	35	2024	2024	NUM
gp-129	92	36	)	)	PUNCT
gp-129	92	37	.	.	PUNCT
gp-129	93	1	accessibility	accessibility	NOUN
gp-129	93	2	of	of	ADP
gp-129	93	3	islamic	islamic	ADJ
gp-129	93	4	financial	financial	ADJ
gp-129	93	5	services	service	NOUN
gp-129	93	6	accessibility	accessibility	NOUN
gp-129	93	7	to	to	ADP
gp-129	93	8	islamic	islamic	ADJ
gp-129	93	9	financial	financial	ADJ
gp-129	93	10	services	service	NOUN
gp-129	93	11	varies	vary	VERB
gp-129	93	12	between	between	ADP
gp-129	93	13	urban	urban	ADJ
gp-129	93	14	and	and	CCONJ
gp-129	93	15	semi	semi	ADJ
gp-129	93	16	-	-	ADJ
gp-129	93	17	urban	urban	ADJ
gp-129	93	18	areas	area	NOUN
gp-129	93	19	.	.	PUNCT
gp-129	94	1	in	in	ADP
gp-129	94	2	urban	urban	ADJ
gp-129	94	3	areas	area	NOUN
gp-129	94	4	,	,	PUNCT
gp-129	94	5	such	such	ADJ
gp-129	94	6	as	as	ADP
gp-129	94	7	jakarta	jakarta	PROPN
gp-129	94	8	and	and	CCONJ
gp-129	94	9	surabaya	surabaya	PROPN
gp-129	94	10	,	,	PUNCT
gp-129	94	11	the	the	DET
gp-129	94	12	majority	majority	NOUN
gp-129	94	13	of	of	ADP
gp-129	94	14	respondents	respondent	NOUN
gp-129	94	15	stated	state	VERB
gp-129	94	16	that	that	SCONJ
gp-129	94	17	islamic	islamic	ADJ
gp-129	94	18	financial	financial	ADJ
gp-129	94	19	services	service	NOUN
gp-129	94	20	are	be	AUX
gp-129	94	21	relatively	relatively	ADV
gp-129	94	22	easy	easy	ADJ
gp-129	94	23	to	to	PART
gp-129	94	24	access	access	VERB
gp-129	94	25	.	.	PUNCT
gp-129	95	1	in	in	ADP
gp-129	95	2	contrast	contrast	NOUN
gp-129	95	3	,	,	PUNCT
gp-129	95	4	in	in	ADP
gp-129	95	5	semi	semi	ADJ
gp-129	95	6	-	-	ADJ
gp-129	95	7	urban	urban	ADJ
gp-129	95	8	areas	area	NOUN
gp-129	95	9	,	,	PUNCT
gp-129	95	10	such	such	ADJ
gp-129	95	11	as	as	ADP
gp-129	95	12	cirebon	cirebon	NOUN
gp-129	95	13	and	and	CCONJ
gp-129	95	14	purwakarta	purwakarta	NOUN
gp-129	95	15	,	,	PUNCT
gp-129	95	16	respondents	respondent	NOUN
gp-129	95	17	complained	complain	VERB
gp-129	95	18	about	about	ADP
gp-129	95	19	the	the	DET
gp-129	95	20	lack	lack	NOUN
gp-129	95	21	of	of	ADP
gp-129	95	22	islamic	islamic	PROPN
gp-129	95	23	bank	bank	PROPN
gp-129	95	24	branches	branch	NOUN
gp-129	95	25	and	and	CCONJ
gp-129	95	26	limited	limited	ADJ
gp-129	95	27	digital	digital	ADJ
gp-129	95	28	services	service	NOUN
gp-129	95	29	.	.	PUNCT
gp-129	96	1	as	as	ADV
gp-129	96	2	many	many	ADJ
gp-129	96	3	as	as	ADP
gp-129	96	4	30	30	NUM
gp-129	96	5	%	%	NOUN
gp-129	96	6	of	of	ADP
gp-129	96	7	respondents	respondent	NOUN
gp-129	96	8	from	from	ADP
gp-129	96	9	semi	semi	ADJ
gp-129	96	10	-	-	ADJ
gp-129	96	11	urban	urban	ADJ
gp-129	96	12	areas	area	NOUN
gp-129	96	13	have	have	VERB
gp-129	96	14	to	to	PART
gp-129	96	15	travel	travel	VERB
gp-129	96	16	long	long	ADJ
gp-129	96	17	distances	distance	NOUN
gp-129	96	18	to	to	PART
gp-129	96	19	access	access	VERB
gp-129	96	20	islamic	islamic	ADJ
gp-129	96	21	financial	financial	ADJ
gp-129	96	22	services	service	NOUN
gp-129	96	23	,	,	PUNCT
gp-129	96	24	which	which	PRON
gp-129	96	25	often	often	ADV
gp-129	96	26	leads	lead	VERB
gp-129	96	27	them	they	PRON
gp-129	96	28	to	to	PART
gp-129	96	29	choose	choose	VERB
gp-129	96	30	conventional	conventional	ADJ
gp-129	96	31	services	service	NOUN
gp-129	96	32	as	as	ADP
gp-129	96	33	an	an	DET
gp-129	96	34	alternative	alternative	NOUN
gp-129	96	35	.	.	PUNCT
gp-129	97	1	this	this	PRON
gp-129	97	2	shows	show	VERB
gp-129	97	3	that	that	SCONJ
gp-129	97	4	lack	lack	NOUN
gp-129	97	5	of	of	ADP
gp-129	97	6	infrastructure	infrastructure	NOUN
gp-129	97	7	is	be	AUX
gp-129	97	8	a	a	DET
gp-129	97	9	significant	significant	ADJ
gp-129	97	10	challenge	challenge	NOUN
gp-129	97	11	in	in	ADP
gp-129	97	12	islamic	islamic	ADJ
gp-129	97	13	financial	financial	ADJ
gp-129	97	14	inclusion	inclusion	NOUN
gp-129	97	15	.	.	PUNCT
gp-129	98	1	previous	previous	ADJ
gp-129	98	2	research	research	NOUN
gp-129	98	3	by	by	ADP
gp-129	98	4	ahmed	ahmed	PROPN
gp-129	98	5	and	and	CCONJ
gp-129	98	6	hassan	hassan	PROPN
gp-129	98	7	(	(	PUNCT
gp-129	98	8	2024	2024	NUM
gp-129	98	9	)	)	PUNCT
gp-129	98	10	shows	show	VERB
gp-129	98	11	that	that	SCONJ
gp-129	98	12	the	the	DET
gp-129	98	13	accessibility	accessibility	NOUN
gp-129	98	14	of	of	ADP
gp-129	98	15	islamic	islamic	ADJ
gp-129	98	16	financial	financial	ADJ
gp-129	98	17	services	service	NOUN
gp-129	98	18	in	in	ADP
gp-129	98	19	semi	semi	ADJ
gp-129	98	20	-	-	ADJ
gp-129	98	21	urban	urban	ADJ
gp-129	98	22	and	and	CCONJ
gp-129	98	23	rural	rural	ADJ
gp-129	98	24	areas	area	NOUN
gp-129	98	25	tends	tend	VERB
gp-129	98	26	to	to	PART
gp-129	98	27	be	be	AUX
gp-129	98	28	lower	low	ADJ
gp-129	98	29	than	than	ADP
gp-129	98	30	in	in	ADP
gp-129	98	31	urban	urban	ADJ
gp-129	98	32	areas	area	NOUN
gp-129	98	33	.	.	PUNCT
gp-129	99	1	the	the	DET
gp-129	99	2	study	study	NOUN
gp-129	99	3	identified	identify	VERB
gp-129	99	4	the	the	DET
gp-129	99	5	lack	lack	NOUN
gp-129	99	6	of	of	ADP
gp-129	99	7	islamic	islamic	PROPN
gp-129	99	8	bank	bank	PROPN
gp-129	99	9	branch	branch	NOUN
gp-129	99	10	networks	network	NOUN
gp-129	99	11	as	as	ADV
gp-129	99	12	well	well	ADV
gp-129	99	13	as	as	ADP
gp-129	99	14	digital	digital	ADJ
gp-129	99	15	infrastructure	infrastructure	NOUN
gp-129	99	16	as	as	ADP
gp-129	99	17	key	key	ADJ
gp-129	99	18	barriers	barrier	NOUN
gp-129	99	19	.	.	PUNCT
gp-129	100	1	in	in	ADP
gp-129	100	2	addition	addition	NOUN
gp-129	100	3	,	,	PUNCT
gp-129	100	4	ahmed	ahmed	PROPN
gp-129	100	5	and	and	CCONJ
gp-129	100	6	hassan	hassan	PROPN
gp-129	100	7	noted	note	VERB
gp-129	100	8	that	that	SCONJ
gp-129	100	9	although	although	SCONJ
gp-129	100	10	islamic	islamic	PROPN
gp-129	100	11	digital	digital	ADJ
gp-129	100	12	financial	financial	ADJ
gp-129	100	13	services	service	NOUN
gp-129	100	14	are	be	AUX
gp-129	100	15	gaining	gain	VERB
gp-129	100	16	ground	ground	NOUN
gp-129	100	17	,	,	PUNCT
gp-129	100	18	their	their	PRON
gp-129	100	19	penetration	penetration	NOUN
gp-129	100	20	is	be	AUX
gp-129	100	21	still	still	ADV
gp-129	100	22	limited	limit	VERB
gp-129	100	23	to	to	ADP
gp-129	100	24	urban	urban	ADJ
gp-129	100	25	areas	area	NOUN
gp-129	100	26	with	with	ADP
gp-129	100	27	higher	high	ADJ
gp-129	100	28	levels	level	NOUN
gp-129	100	29	of	of	ADP
gp-129	100	30	technological	technological	ADJ
gp-129	100	31	literacy	literacy	NOUN
gp-129	100	32	.	.	PUNCT
gp-129	101	1	the	the	DET
gp-129	101	2	study	study	NOUN
gp-129	101	3	by	by	ADP
gp-129	101	4	karim	karim	PROPN
gp-129	101	5	et	et	PROPN
gp-129	101	6	al	al	PROPN
gp-129	101	7	.	.	PROPN
gp-129	101	8	(	(	PUNCT
gp-129	101	9	2017	2017	NUM
gp-129	101	10	)	)	PUNCT
gp-129	101	11	revealed	reveal	VERB
gp-129	101	12	that	that	SCONJ
gp-129	101	13	geographical	geographical	ADJ
gp-129	101	14	distance	distance	NOUN
gp-129	101	15	to	to	ADP
gp-129	101	16	islamic	islamic	PROPN
gp-129	101	17	bank	bank	PROPN
gp-129	101	18	branches	branch	NOUN
gp-129	101	19	significantly	significantly	ADV
gp-129	101	20	affects	affect	VERB
gp-129	101	21	people	people	NOUN
gp-129	101	22	's	's	PART
gp-129	101	23	decision	decision	NOUN
gp-129	101	24	to	to	PART
gp-129	101	25	use	use	VERB
gp-129	101	26	islamic	islamic	ADJ
gp-129	101	27	financial	financial	ADJ
gp-129	101	28	services	service	NOUN
gp-129	101	29	.	.	PUNCT
gp-129	102	1	in	in	ADP
gp-129	102	2	this	this	DET
gp-129	102	3	study	study	NOUN
gp-129	102	4	,	,	PUNCT
gp-129	102	5	it	it	PRON
gp-129	102	6	was	be	AUX
gp-129	102	7	found	find	VERB
gp-129	102	8	that	that	SCONJ
gp-129	102	9	35	35	NUM
gp-129	102	10	%	%	NOUN
gp-129	102	11	of	of	ADP
gp-129	102	12	respondents	respondent	NOUN
gp-129	102	13	from	from	ADP
gp-129	102	14	semi	semi	ADJ
gp-129	102	15	-	-	ADJ
gp-129	102	16	urban	urban	ADJ
gp-129	102	17	areas	area	NOUN
gp-129	102	18	were	be	AUX
gp-129	102	19	more	more	ADV
gp-129	102	20	likely	likely	ADJ
gp-129	102	21	to	to	PART
gp-129	102	22	turn	turn	VERB
gp-129	102	23	to	to	ADP
gp-129	102	24	conventional	conventional	ADJ
gp-129	102	25	american	american	ADJ
gp-129	102	26	journal	journal	PROPN
gp-129	102	27	of	of	ADP
gp-129	102	28	economic	economic	ADJ
gp-129	102	29	and	and	CCONJ
gp-129	102	30	management	management	NOUN
gp-129	102	31	business	business	NOUN
gp-129	102	32	vol	vol	NOUN
gp-129	102	33	.	.	PROPN
gp-129	103	1	3	3	NUM
gp-129	104	1	no	no	NOUN
gp-129	104	2	.	.	NOUN
gp-129	104	3	11	11	NUM
gp-129	104	4	november	november	PROPN
gp-129	104	5	2024	2024	NUM
gp-129	104	6	434	434	NUM
gp-129	104	7	financial	financial	ADJ
gp-129	104	8	services	service	NOUN
gp-129	104	9	due	due	ADP
gp-129	104	10	to	to	ADP
gp-129	104	11	ease	ease	NOUN
gp-129	104	12	of	of	ADP
gp-129	104	13	access	access	NOUN
gp-129	104	14	,	,	PUNCT
gp-129	104	15	despite	despite	SCONJ
gp-129	104	16	their	their	PRON
gp-129	104	17	preference	preference	NOUN
gp-129	104	18	for	for	ADP
gp-129	104	19	sharia	sharia	PROPN
gp-129	104	20	principles	principle	NOUN
gp-129	104	21	.	.	PUNCT
gp-129	105	1	this	this	PRON
gp-129	105	2	reinforces	reinforce	VERB
gp-129	105	3	the	the	DET
gp-129	105	4	argument	argument	NOUN
gp-129	105	5	that	that	SCONJ
gp-129	105	6	infrastructure	infrastructure	NOUN
gp-129	105	7	limitations	limitation	NOUN
gp-129	105	8	play	play	VERB
gp-129	105	9	a	a	DET
gp-129	105	10	crucial	crucial	ADJ
gp-129	105	11	role	role	NOUN
gp-129	105	12	in	in	ADP
gp-129	105	13	islamic	islamic	ADJ
gp-129	105	14	financial	financial	ADJ
gp-129	105	15	inclusion	inclusion	NOUN
gp-129	105	16	,	,	PUNCT
gp-129	105	17	especially	especially	ADV
gp-129	105	18	in	in	ADP
gp-129	105	19	areas	area	NOUN
gp-129	105	20	with	with	ADP
gp-129	105	21	limited	limited	ADJ
gp-129	105	22	access	access	NOUN
gp-129	105	23	.	.	PUNCT
gp-129	106	1	economic	economic	ADJ
gp-129	106	2	benefits	benefit	NOUN
gp-129	106	3	of	of	ADP
gp-129	106	4	islamic	islamic	ADJ
gp-129	106	5	finance	finance	NOUN
gp-129	106	6	the	the	DET
gp-129	106	7	majority	majority	NOUN
gp-129	106	8	of	of	ADP
gp-129	106	9	respondents	respondent	NOUN
gp-129	106	10	reported	report	VERB
gp-129	106	11	that	that	SCONJ
gp-129	106	12	using	use	VERB
gp-129	106	13	islamic	islamic	ADJ
gp-129	106	14	financial	financial	ADJ
gp-129	106	15	services	service	NOUN
gp-129	106	16	brought	bring	VERB
gp-129	106	17	significant	significant	ADJ
gp-129	106	18	economic	economic	ADJ
gp-129	106	19	benefits	benefit	NOUN
gp-129	106	20	.	.	PUNCT
gp-129	107	1	70	70	NUM
gp-129	107	2	%	%	NOUN
gp-129	107	3	of	of	ADP
gp-129	107	4	respondents	respondent	NOUN
gp-129	107	5	felt	feel	VERB
gp-129	107	6	that	that	SCONJ
gp-129	107	7	their	their	PRON
gp-129	107	8	income	income	NOUN
gp-129	107	9	was	be	AUX
gp-129	107	10	better	well	ADV
gp-129	107	11	managed	manage	VERB
gp-129	107	12	after	after	ADP
gp-129	107	13	switching	switch	VERB
gp-129	107	14	to	to	ADP
gp-129	107	15	islamic	islamic	ADJ
gp-129	107	16	savings	saving	NOUN
gp-129	107	17	.	.	PUNCT
gp-129	108	1	in	in	ADP
gp-129	108	2	addition	addition	NOUN
gp-129	108	3	,	,	PUNCT
gp-129	108	4	respondents	respondent	NOUN
gp-129	108	5	who	who	PRON
gp-129	108	6	use	use	VERB
gp-129	108	7	islamic	islamic	ADJ
gp-129	108	8	financing	financing	NOUN
gp-129	108	9	for	for	ADP
gp-129	108	10	small	small	ADJ
gp-129	108	11	businesses	business	NOUN
gp-129	108	12	stated	state	VERB
gp-129	108	13	that	that	SCONJ
gp-129	108	14	the	the	DET
gp-129	108	15	profit	profit	NOUN
gp-129	108	16	-	-	PUNCT
gp-129	108	17	sharing	share	VERB
gp-129	108	18	system	system	NOUN
gp-129	108	19	provides	provide	VERB
gp-129	108	20	flexibility	flexibility	NOUN
gp-129	108	21	in	in	ADP
gp-129	108	22	managing	manage	VERB
gp-129	108	23	financial	financial	ADJ
gp-129	108	24	risks	risk	NOUN
gp-129	108	25	.	.	PUNCT
gp-129	109	1	however	however	ADV
gp-129	109	2	,	,	PUNCT
gp-129	109	3	some	some	DET
gp-129	109	4	respondents	respondent	NOUN
gp-129	109	5	stated	state	VERB
gp-129	109	6	that	that	SCONJ
gp-129	109	7	these	these	DET
gp-129	109	8	economic	economic	ADJ
gp-129	109	9	benefits	benefit	NOUN
gp-129	109	10	have	have	AUX
gp-129	109	11	not	not	PART
gp-129	109	12	been	be	AUX
gp-129	109	13	optimized	optimize	VERB
gp-129	109	14	due	due	ADP
gp-129	109	15	to	to	ADP
gp-129	109	16	high	high	ADJ
gp-129	109	17	administrative	administrative	ADJ
gp-129	109	18	costs	cost	NOUN
gp-129	109	19	and	and	CCONJ
gp-129	109	20	a	a	DET
gp-129	109	21	lack	lack	NOUN
gp-129	109	22	of	of	ADP
gp-129	109	23	product	product	NOUN
gp-129	109	24	variety	variety	NOUN
gp-129	109	25	that	that	PRON
gp-129	109	26	suits	suit	VERB
gp-129	109	27	their	their	PRON
gp-129	109	28	needs	need	NOUN
gp-129	109	29	.	.	PUNCT
gp-129	110	1	for	for	ADP
gp-129	110	2	example	example	NOUN
gp-129	110	3	,	,	PUNCT
gp-129	110	4	few	few	ADJ
gp-129	110	5	islamic	islamic	ADJ
gp-129	110	6	financial	financial	ADJ
gp-129	110	7	institutions	institution	NOUN
gp-129	110	8	offer	offer	VERB
gp-129	110	9	financing	financing	NOUN
gp-129	110	10	products	product	NOUN
gp-129	110	11	for	for	ADP
gp-129	110	12	the	the	DET
gp-129	110	13	informal	informal	ADJ
gp-129	110	14	sector	sector	NOUN
gp-129	110	15	,	,	PUNCT
gp-129	110	16	which	which	PRON
gp-129	110	17	is	be	AUX
gp-129	110	18	actually	actually	ADV
gp-129	110	19	the	the	DET
gp-129	110	20	majority	majority	NOUN
gp-129	110	21	in	in	ADP
gp-129	110	22	semi	semi	ADJ
gp-129	110	23	-	-	ADJ
gp-129	110	24	urban	urban	ADJ
gp-129	110	25	areas	area	NOUN
gp-129	110	26	.	.	PUNCT
gp-129	111	1	previous	previous	ADJ
gp-129	111	2	research	research	NOUN
gp-129	111	3	by	by	ADP
gp-129	111	4	gait	gait	PROPN
gp-129	111	5	and	and	CCONJ
gp-129	111	6	worthington	worthington	PROPN
gp-129	111	7	(	(	PUNCT
gp-129	111	8	2018	2018	NUM
gp-129	111	9	)	)	PUNCT
gp-129	111	10	shows	show	VERB
gp-129	111	11	that	that	SCONJ
gp-129	111	12	the	the	DET
gp-129	111	13	islamic	islamic	ADJ
gp-129	111	14	financial	financial	ADJ
gp-129	111	15	system	system	NOUN
gp-129	111	16	provides	provide	VERB
gp-129	111	17	significant	significant	ADJ
gp-129	111	18	economic	economic	ADJ
gp-129	111	19	benefits	benefit	NOUN
gp-129	111	20	,	,	PUNCT
gp-129	111	21	especially	especially	ADV
gp-129	111	22	for	for	ADP
gp-129	111	23	individuals	individual	NOUN
gp-129	111	24	and	and	CCONJ
gp-129	111	25	small	small	ADJ
gp-129	111	26	businesses	business	NOUN
gp-129	111	27	that	that	PRON
gp-129	111	28	previously	previously	ADV
gp-129	111	29	had	have	VERB
gp-129	111	30	difficulty	difficulty	NOUN
gp-129	111	31	accessing	access	VERB
gp-129	111	32	financing	financing	NOUN
gp-129	111	33	in	in	ADP
gp-129	111	34	the	the	DET
gp-129	111	35	conventional	conventional	ADJ
gp-129	111	36	financial	financial	ADJ
gp-129	111	37	system	system	NOUN
gp-129	111	38	.	.	PUNCT
gp-129	112	1	through	through	ADP
gp-129	112	2	profit	profit	NOUN
gp-129	112	3	-	-	PUNCT
gp-129	112	4	sharing	share	VERB
gp-129	112	5	mechanisms	mechanism	NOUN
gp-129	112	6	,	,	PUNCT
gp-129	112	7	islamic	islamic	ADJ
gp-129	112	8	finance	finance	NOUN
gp-129	112	9	creates	create	VERB
gp-129	112	10	a	a	DET
gp-129	112	11	more	more	ADV
gp-129	112	12	equitable	equitable	ADJ
gp-129	112	13	relationship	relationship	NOUN
gp-129	112	14	between	between	ADP
gp-129	112	15	financial	financial	ADJ
gp-129	112	16	institutions	institution	NOUN
gp-129	112	17	and	and	CCONJ
gp-129	112	18	customers	customer	NOUN
gp-129	112	19	,	,	PUNCT
gp-129	112	20	reduces	reduce	VERB
gp-129	112	21	default	default	NOUN
gp-129	112	22	risk	risk	NOUN
gp-129	112	23	,	,	PUNCT
gp-129	112	24	and	and	CCONJ
gp-129	112	25	increases	increase	VERB
gp-129	112	26	the	the	DET
gp-129	112	27	sustainability	sustainability	NOUN
gp-129	112	28	of	of	ADP
gp-129	112	29	small	small	ADJ
gp-129	112	30	and	and	CCONJ
gp-129	112	31	medium	medium	ADJ
gp-129	112	32	enterprises	enterprise	NOUN
gp-129	112	33	(	(	PUNCT
gp-129	112	34	smes	sme	NOUN
gp-129	112	35	)	)	PUNCT
gp-129	112	36	.	.	PUNCT
gp-129	113	1	the	the	DET
gp-129	113	2	research	research	NOUN
gp-129	113	3	also	also	ADV
gp-129	113	4	highlights	highlight	VERB
gp-129	113	5	the	the	DET
gp-129	113	6	importance	importance	NOUN
gp-129	113	7	of	of	ADP
gp-129	113	8	product	product	NOUN
gp-129	113	9	innovation	innovation	NOUN
gp-129	113	10	in	in	ADP
gp-129	113	11	reaching	reach	VERB
gp-129	113	12	a	a	DET
gp-129	113	13	wider	wide	ADJ
gp-129	113	14	group	group	NOUN
gp-129	113	15	of	of	ADP
gp-129	113	16	people	people	NOUN
gp-129	113	17	.	.	PUNCT
gp-129	114	1	a	a	DET
gp-129	114	2	study	study	NOUN
gp-129	114	3	by	by	ADP
gp-129	114	4	khan	khan	PROPN
gp-129	114	5	and	and	CCONJ
gp-129	114	6	bhatti	bhatti	PROPN
gp-129	114	7	(	(	PUNCT
gp-129	114	8	2015	2015	NUM
gp-129	114	9	)	)	PUNCT
gp-129	114	10	revealed	reveal	VERB
gp-129	114	11	that	that	SCONJ
gp-129	114	12	the	the	DET
gp-129	114	13	use	use	NOUN
gp-129	114	14	of	of	ADP
gp-129	114	15	islamic	islamic	ADJ
gp-129	114	16	financial	financial	ADJ
gp-129	114	17	products	product	NOUN
gp-129	114	18	,	,	PUNCT
gp-129	114	19	such	such	ADJ
gp-129	114	20	as	as	ADP
gp-129	114	21	shariah	shariah	PROPN
gp-129	114	22	-	-	PUNCT
gp-129	114	23	based	base	VERB
gp-129	114	24	savings	saving	NOUN
gp-129	114	25	and	and	CCONJ
gp-129	114	26	financing	financing	NOUN
gp-129	114	27	,	,	PUNCT
gp-129	114	28	not	not	PART
gp-129	114	29	only	only	ADV
gp-129	114	30	helps	help	VERB
gp-129	114	31	with	with	ADP
gp-129	114	32	income	income	NOUN
gp-129	114	33	management	management	NOUN
gp-129	114	34	but	but	CCONJ
gp-129	114	35	also	also	ADV
gp-129	114	36	contributes	contribute	VERB
gp-129	114	37	to	to	ADP
gp-129	114	38	increased	increase	VERB
gp-129	114	39	financial	financial	ADJ
gp-129	114	40	inclusion	inclusion	NOUN
gp-129	114	41	.	.	PUNCT
gp-129	115	1	however	however	ADV
gp-129	115	2	,	,	PUNCT
gp-129	115	3	they	they	PRON
gp-129	115	4	also	also	ADV
gp-129	115	5	noted	note	VERB
gp-129	115	6	that	that	SCONJ
gp-129	115	7	the	the	DET
gp-129	115	8	lack	lack	NOUN
gp-129	115	9	of	of	ADP
gp-129	115	10	product	product	NOUN
gp-129	115	11	diversification	diversification	NOUN
gp-129	115	12	,	,	PUNCT
gp-129	115	13	especially	especially	ADV
gp-129	115	14	for	for	ADP
gp-129	115	15	the	the	DET
gp-129	115	16	informal	informal	ADJ
gp-129	115	17	sector	sector	NOUN
gp-129	115	18	,	,	PUNCT
gp-129	115	19	hinders	hinder	VERB
gp-129	115	20	the	the	DET
gp-129	115	21	potential	potential	NOUN
gp-129	115	22	for	for	ADP
gp-129	115	23	greater	great	ADJ
gp-129	115	24	benefits	benefit	NOUN
gp-129	115	25	.	.	PUNCT
gp-129	116	1	khan	khan	PROPN
gp-129	116	2	and	and	CCONJ
gp-129	116	3	bhatti	bhatti	PROPN
gp-129	116	4	emphasize	emphasize	VERB
gp-129	116	5	the	the	DET
gp-129	116	6	need	need	NOUN
gp-129	116	7	for	for	ADP
gp-129	116	8	strategies	strategy	NOUN
gp-129	116	9	to	to	PART
gp-129	116	10	lower	low	ADJ
gp-129	116	11	operational	operational	ADJ
gp-129	116	12	costs	cost	NOUN
gp-129	116	13	and	and	CCONJ
gp-129	116	14	increase	increase	VERB
gp-129	116	15	accessibility	accessibility	NOUN
gp-129	116	16	of	of	ADP
gp-129	116	17	islamic	islamic	ADJ
gp-129	116	18	financial	financial	ADJ
gp-129	116	19	products	product	NOUN
gp-129	116	20	.	.	PUNCT
gp-129	117	1	economic	economic	ADJ
gp-129	117	2	prosperity	prosperity	NOUN
gp-129	117	3	the	the	DET
gp-129	117	4	positive	positive	ADJ
gp-129	117	5	impact	impact	NOUN
gp-129	117	6	of	of	ADP
gp-129	117	7	islamic	islamic	ADJ
gp-129	117	8	finance	finance	NOUN
gp-129	117	9	on	on	ADP
gp-129	117	10	economic	economic	ADJ
gp-129	117	11	welfare	welfare	NOUN
gp-129	117	12	can	can	AUX
gp-129	117	13	be	be	AUX
gp-129	117	14	seen	see	VERB
gp-129	117	15	from	from	ADP
gp-129	117	16	several	several	ADJ
gp-129	117	17	indicators	indicator	NOUN
gp-129	117	18	.	.	PUNCT
gp-129	118	1	as	as	ADV
gp-129	118	2	many	many	ADJ
gp-129	118	3	as	as	ADP
gp-129	118	4	65	65	NUM
gp-129	118	5	%	%	NOUN
gp-129	118	6	of	of	ADP
gp-129	118	7	respondents	respondent	NOUN
gp-129	118	8	stated	state	VERB
gp-129	118	9	that	that	SCONJ
gp-129	118	10	they	they	PRON
gp-129	118	11	now	now	ADV
gp-129	118	12	have	have	VERB
gp-129	118	13	adequate	adequate	ADJ
gp-129	118	14	emergency	emergency	NOUN
gp-129	118	15	funds	fund	NOUN
gp-129	118	16	after	after	ADP
gp-129	118	17	joining	join	VERB
gp-129	118	18	an	an	DET
gp-129	118	19	islamic	islamic	ADJ
gp-129	118	20	savings	saving	NOUN
gp-129	118	21	program	program	NOUN
gp-129	118	22	.	.	PUNCT
gp-129	119	1	55	55	NUM
gp-129	119	2	%	%	NOUN
gp-129	119	3	of	of	ADP
gp-129	119	4	respondents	respondent	NOUN
gp-129	119	5	also	also	ADV
gp-129	119	6	reported	report	VERB
gp-129	119	7	an	an	DET
gp-129	119	8	increase	increase	NOUN
gp-129	119	9	in	in	ADP
gp-129	119	10	their	their	PRON
gp-129	119	11	ability	ability	NOUN
gp-129	119	12	to	to	PART
gp-129	119	13	fulfill	fulfill	VERB
gp-129	119	14	their	their	PRON
gp-129	119	15	children	child	NOUN
gp-129	119	16	's	's	PART
gp-129	119	17	education	education	NOUN
gp-129	119	18	needs	need	VERB
gp-129	119	19	after	after	ADP
gp-129	119	20	obtaining	obtain	VERB
gp-129	119	21	sharia	sharia	PROPN
gp-129	119	22	financing	financing	NOUN
gp-129	119	23	.	.	PUNCT
gp-129	120	1	however	however	ADV
gp-129	120	2	,	,	PUNCT
gp-129	120	3	there	there	PRON
gp-129	120	4	are	be	VERB
gp-129	120	5	also	also	ADV
gp-129	120	6	respondents	respondent	NOUN
gp-129	120	7	who	who	PRON
gp-129	120	8	face	face	VERB
gp-129	120	9	difficulties	difficulty	NOUN
gp-129	120	10	in	in	ADP
gp-129	120	11	making	make	VERB
gp-129	120	12	the	the	DET
gp-129	120	13	most	most	ADJ
gp-129	120	14	of	of	ADP
gp-129	120	15	islamic	islamic	ADJ
gp-129	120	16	financial	financial	ADJ
gp-129	120	17	services	service	NOUN
gp-129	120	18	.	.	PUNCT
gp-129	121	1	for	for	ADP
gp-129	121	2	example	example	NOUN
gp-129	121	3	,	,	PUNCT
gp-129	121	4	20	20	NUM
gp-129	121	5	%	%	NOUN
gp-129	121	6	of	of	ADP
gp-129	121	7	respondents	respondent	NOUN
gp-129	121	8	reported	report	VERB
gp-129	121	9	that	that	SCONJ
gp-129	121	10	their	their	PRON
gp-129	121	11	income	income	NOUN
gp-129	121	12	had	have	AUX
gp-129	121	13	not	not	PART
gp-129	121	14	changed	change	VERB
gp-129	121	15	significantly	significantly	ADV
gp-129	121	16	despite	despite	SCONJ
gp-129	121	17	using	use	VERB
gp-129	121	18	islamic	islamic	ADJ
gp-129	121	19	financial	financial	ADJ
gp-129	121	20	services	service	NOUN
gp-129	121	21	.	.	PUNCT
gp-129	122	1	this	this	PRON
gp-129	122	2	suggests	suggest	VERB
gp-129	122	3	that	that	SCONJ
gp-129	122	4	the	the	DET
gp-129	122	5	successful	successful	ADJ
gp-129	122	6	implementation	implementation	NOUN
gp-129	122	7	of	of	ADP
gp-129	122	8	islamic	islamic	ADJ
gp-129	122	9	finance	finance	NOUN
gp-129	122	10	is	be	AUX
gp-129	122	11	also	also	ADV
gp-129	122	12	influenced	influence	VERB
gp-129	122	13	by	by	ADP
gp-129	122	14	external	external	ADJ
gp-129	122	15	factors	factor	NOUN
gp-129	122	16	,	,	PUNCT
gp-129	122	17	such	such	ADJ
gp-129	122	18	as	as	ADP
gp-129	122	19	income	income	NOUN
gp-129	122	20	stability	stability	NOUN
gp-129	122	21	and	and	CCONJ
gp-129	122	22	financial	financial	ADJ
gp-129	122	23	literacy	literacy	NOUN
gp-129	122	24	levels	level	NOUN
gp-129	122	25	.	.	PUNCT
gp-129	123	1	previous	previous	ADJ
gp-129	123	2	research	research	NOUN
gp-129	123	3	by	by	ADP
gp-129	123	4	abduh	abduh	ADJ
gp-129	123	5	and	and	CCONJ
gp-129	123	6	omar	omar	PROPN
gp-129	123	7	(	(	PUNCT
gp-129	123	8	2020	2020	NUM
gp-129	123	9	)	)	PUNCT
gp-129	123	10	shows	show	VERB
gp-129	123	11	that	that	SCONJ
gp-129	123	12	islamic	islamic	ADJ
gp-129	123	13	financial	financial	ADJ
gp-129	123	14	inclusion	inclusion	NOUN
gp-129	123	15	has	have	VERB
gp-129	123	16	a	a	DET
gp-129	123	17	significant	significant	ADJ
gp-129	123	18	relationship	relationship	NOUN
gp-129	123	19	with	with	ADP
gp-129	123	20	improving	improve	VERB
gp-129	123	21	people	people	NOUN
gp-129	123	22	's	's	PART
gp-129	123	23	welfare	welfare	NOUN
gp-129	123	24	.	.	PUNCT
gp-129	124	1	their	their	PRON
gp-129	124	2	study	study	NOUN
gp-129	124	3	found	find	VERB
gp-129	124	4	that	that	SCONJ
gp-129	124	5	access	access	NOUN
gp-129	124	6	to	to	ADP
gp-129	124	7	islamic	islamic	ADJ
gp-129	124	8	financing	financing	NOUN
gp-129	124	9	helps	help	VERB
gp-129	124	10	people	people	NOUN
gp-129	124	11	start	start	VERB
gp-129	124	12	small	small	ADJ
gp-129	124	13	and	and	CCONJ
gp-129	124	14	medium	medium	ADJ
gp-129	124	15	enterprises	enterprise	NOUN
gp-129	124	16	(	(	PUNCT
gp-129	124	17	smes	sme	NOUN
gp-129	124	18	)	)	PUNCT
gp-129	124	19	,	,	PUNCT
gp-129	124	20	which	which	PRON
gp-129	124	21	directly	directly	ADV
gp-129	124	22	increases	increase	VERB
gp-129	124	23	household	household	NOUN
gp-129	124	24	income	income	NOUN
gp-129	124	25	.	.	PUNCT
gp-129	125	1	this	this	PRON
gp-129	125	2	supports	support	VERB
gp-129	125	3	the	the	DET
gp-129	125	4	finding	finding	NOUN
gp-129	125	5	that	that	DET
gp-129	125	6	participation	participation	NOUN
gp-129	125	7	in	in	ADP
gp-129	125	8	islamic	islamic	ADJ
gp-129	125	9	savings	saving	NOUN
gp-129	125	10	programs	program	NOUN
gp-129	125	11	and	and	CCONJ
gp-129	125	12	islamic	islamic	ADJ
gp-129	125	13	financing	financing	NOUN
gp-129	125	14	can	can	AUX
gp-129	125	15	have	have	VERB
gp-129	125	16	a	a	DET
gp-129	125	17	positive	positive	ADJ
gp-129	125	18	impact	impact	NOUN
gp-129	125	19	on	on	ADP
gp-129	125	20	household	household	NOUN
gp-129	125	21	economic	economic	ADJ
gp-129	125	22	stability	stability	NOUN
gp-129	125	23	.	.	PUNCT
gp-129	126	1	elsa	elsa	PROPN
gp-129	126	2	islammia	islammia	PROPN
gp-129	126	3	pasha	pasha	PROPN
gp-129	126	4	,	,	PUNCT
gp-129	126	5	zaki	zaki	PROPN
gp-129	126	6	ahmad	ahmad	VERB
gp-129	126	7	435	435	NUM
gp-129	126	8	a	a	DET
gp-129	126	9	study	study	NOUN
gp-129	126	10	by	by	ADP
gp-129	126	11	ali	ali	PROPN
gp-129	126	12	and	and	CCONJ
gp-129	126	13	ali	ali	PROPN
gp-129	126	14	(	(	PUNCT
gp-129	126	15	2019	2019	NUM
gp-129	126	16	)	)	PUNCT
gp-129	126	17	revealed	reveal	VERB
gp-129	126	18	that	that	SCONJ
gp-129	126	19	islamic	islamic	PROPN
gp-129	126	20	finance	finance	NOUN
gp-129	126	21	plays	play	VERB
gp-129	126	22	a	a	DET
gp-129	126	23	role	role	NOUN
gp-129	126	24	in	in	ADP
gp-129	126	25	improving	improve	VERB
gp-129	126	26	people	people	NOUN
gp-129	126	27	's	's	PART
gp-129	126	28	welfare	welfare	NOUN
gp-129	126	29	through	through	ADP
gp-129	126	30	the	the	DET
gp-129	126	31	mechanisms	mechanism	NOUN
gp-129	126	32	of	of	ADP
gp-129	126	33	zakat	zakat	NOUN
gp-129	126	34	,	,	PUNCT
gp-129	126	35	waqf	waqf	NOUN
gp-129	126	36	,	,	PUNCT
gp-129	126	37	and	and	CCONJ
gp-129	126	38	profit	profit	NOUN
gp-129	126	39	-	-	PUNCT
gp-129	126	40	sharing	sharing	NOUN
gp-129	126	41	-	-	PUNCT
gp-129	126	42	based	base	VERB
gp-129	126	43	financing	financing	NOUN
gp-129	126	44	.	.	PUNCT
gp-129	127	1	they	they	PRON
gp-129	127	2	found	find	VERB
gp-129	127	3	that	that	SCONJ
gp-129	127	4	islamic	islamic	ADJ
gp-129	127	5	finance	finance	NOUN
gp-129	127	6	programs	program	NOUN
gp-129	127	7	not	not	PART
gp-129	127	8	only	only	ADV
gp-129	127	9	encourage	encourage	VERB
gp-129	127	10	increased	increase	VERB
gp-129	127	11	access	access	NOUN
gp-129	127	12	to	to	ADP
gp-129	127	13	financial	financial	ADJ
gp-129	127	14	services	service	NOUN
gp-129	127	15	for	for	ADP
gp-129	127	16	lowincome	lowincome	NOUN
gp-129	127	17	communities	community	NOUN
gp-129	127	18	but	but	CCONJ
gp-129	127	19	also	also	ADV
gp-129	127	20	strengthen	strengthen	VERB
gp-129	127	21	their	their	PRON
gp-129	127	22	ability	ability	NOUN
gp-129	127	23	to	to	PART
gp-129	127	24	meet	meet	VERB
gp-129	127	25	basic	basic	ADJ
gp-129	127	26	needs	need	NOUN
gp-129	127	27	such	such	ADJ
gp-129	127	28	as	as	ADP
gp-129	127	29	education	education	NOUN
gp-129	127	30	and	and	CCONJ
gp-129	127	31	health	health	NOUN
gp-129	127	32	.	.	PUNCT
gp-129	128	1	this	this	PRON
gp-129	128	2	is	be	AUX
gp-129	128	3	in	in	ADP
gp-129	128	4	line	line	NOUN
gp-129	128	5	with	with	ADP
gp-129	128	6	respondents	respondent	NOUN
gp-129	128	7	'	'	PART
gp-129	128	8	reports	report	NOUN
gp-129	128	9	that	that	SCONJ
gp-129	128	10	islamic	islamic	ADJ
gp-129	128	11	financing	financing	NOUN
gp-129	128	12	helps	help	VERB
gp-129	128	13	fulfill	fulfill	VERB
gp-129	128	14	their	their	PRON
gp-129	128	15	children	child	NOUN
gp-129	128	16	's	's	PART
gp-129	128	17	education	education	NOUN
gp-129	128	18	needs	need	NOUN
gp-129	128	19	.	.	PUNCT
gp-129	129	1	barriers	barrier	NOUN
gp-129	129	2	and	and	CCONJ
gp-129	129	3	challenges	challenge	VERB
gp-129	129	4	the	the	DET
gp-129	129	5	study	study	NOUN
gp-129	129	6	also	also	ADV
gp-129	129	7	found	find	VERB
gp-129	129	8	several	several	ADJ
gp-129	129	9	key	key	ADJ
gp-129	129	10	barriers	barrier	NOUN
gp-129	129	11	to	to	ADP
gp-129	129	12	the	the	DET
gp-129	129	13	implementation	implementation	NOUN
gp-129	129	14	of	of	ADP
gp-129	129	15	islamic	islamic	ADJ
gp-129	129	16	finance	finance	NOUN
gp-129	129	17	:	:	PUNCT
gp-129	129	18	1	1	X
gp-129	129	19	.	.	X
gp-129	129	20	lack	lack	NOUN
gp-129	129	21	of	of	ADP
gp-129	129	22	product	product	NOUN
gp-129	129	23	innovation	innovation	NOUN
gp-129	129	24	:	:	PUNCT
gp-129	129	25	many	many	ADJ
gp-129	129	26	respondents	respondent	NOUN
gp-129	129	27	feel	feel	VERB
gp-129	129	28	that	that	SCONJ
gp-129	129	29	islamic	islamic	ADJ
gp-129	129	30	financial	financial	ADJ
gp-129	129	31	products	product	NOUN
gp-129	129	32	are	be	AUX
gp-129	129	33	not	not	PART
gp-129	129	34	flexible	flexible	ADJ
gp-129	129	35	enough	enough	ADV
gp-129	129	36	to	to	PART
gp-129	129	37	meet	meet	VERB
gp-129	129	38	their	their	PRON
gp-129	129	39	needs	need	NOUN
gp-129	129	40	.	.	PUNCT
gp-129	130	1	2	2	X
gp-129	130	2	.	.	X
gp-129	130	3	high	high	ADJ
gp-129	130	4	administrative	administrative	ADJ
gp-129	130	5	costs	cost	NOUN
gp-129	130	6	:	:	PUNCT
gp-129	130	7	some	some	DET
gp-129	130	8	respondents	respondent	NOUN
gp-129	130	9	mentioned	mention	VERB
gp-129	130	10	that	that	SCONJ
gp-129	130	11	the	the	DET
gp-129	130	12	administration	administration	NOUN
gp-129	130	13	fees	fee	NOUN
gp-129	130	14	on	on	ADP
gp-129	130	15	islamic	islamic	ADJ
gp-129	130	16	financial	financial	ADJ
gp-129	130	17	products	product	NOUN
gp-129	130	18	are	be	AUX
gp-129	130	19	more	more	ADV
gp-129	130	20	expensive	expensive	ADJ
gp-129	130	21	compared	compare	VERB
gp-129	130	22	to	to	ADP
gp-129	130	23	conventional	conventional	ADJ
gp-129	130	24	products	product	NOUN
gp-129	130	25	.	.	PUNCT
gp-129	131	1	3	3	X
gp-129	131	2	.	.	X
gp-129	131	3	lack	lack	NOUN
gp-129	131	4	of	of	ADP
gp-129	131	5	socialization	socialization	NOUN
gp-129	131	6	:	:	PUNCT
gp-129	131	7	lack	lack	NOUN
gp-129	131	8	of	of	ADP
gp-129	131	9	intensive	intensive	ADJ
gp-129	131	10	education	education	NOUN
gp-129	131	11	and	and	CCONJ
gp-129	131	12	promotion	promotion	NOUN
gp-129	131	13	is	be	AUX
gp-129	131	14	one	one	NUM
gp-129	131	15	of	of	ADP
gp-129	131	16	the	the	DET
gp-129	131	17	causes	cause	NOUN
gp-129	131	18	of	of	ADP
gp-129	131	19	low	low	ADJ
gp-129	131	20	islamic	islamic	ADJ
gp-129	131	21	financial	financial	ADJ
gp-129	131	22	literacy	literacy	NOUN
gp-129	131	23	.	.	PUNCT
gp-129	132	1	answers	answer	NOUN
gp-129	132	2	to	to	PART
gp-129	132	3	research	research	VERB
gp-129	132	4	questions	question	NOUN
gp-129	132	5	what	what	PRON
gp-129	132	6	is	be	AUX
gp-129	132	7	the	the	DET
gp-129	132	8	level	level	NOUN
gp-129	132	9	of	of	ADP
gp-129	132	10	islamic	islamic	ADJ
gp-129	132	11	financial	financial	ADJ
gp-129	132	12	literacy	literacy	NOUN
gp-129	132	13	in	in	ADP
gp-129	132	14	the	the	DET
gp-129	132	15	muslim	muslim	PROPN
gp-129	132	16	community	community	NOUN
gp-129	132	17	?	?	PUNCT
gp-129	133	1	literacy	literacy	NOUN
gp-129	133	2	levels	level	NOUN
gp-129	133	3	are	be	AUX
gp-129	133	4	still	still	ADV
gp-129	133	5	at	at	ADP
gp-129	133	6	a	a	DET
gp-129	133	7	moderate	moderate	ADJ
gp-129	133	8	level	level	NOUN
gp-129	133	9	,	,	PUNCT
gp-129	133	10	with	with	ADP
gp-129	133	11	understanding	understand	VERB
gp-129	133	12	varying	vary	VERB
gp-129	133	13	depending	depend	VERB
gp-129	133	14	on	on	ADP
gp-129	133	15	educational	educational	ADJ
gp-129	133	16	background	background	NOUN
gp-129	133	17	and	and	CCONJ
gp-129	133	18	access	access	NOUN
gp-129	133	19	to	to	ADP
gp-129	133	20	information	information	NOUN
gp-129	133	21	.	.	PUNCT
gp-129	134	1	how	how	SCONJ
gp-129	134	2	is	be	AUX
gp-129	134	3	the	the	DET
gp-129	134	4	accessibility	accessibility	NOUN
gp-129	134	5	of	of	ADP
gp-129	134	6	islamic	islamic	ADJ
gp-129	134	7	financial	financial	ADJ
gp-129	134	8	services	service	NOUN
gp-129	134	9	?	?	PUNCT
gp-129	135	1	accessibility	accessibility	NOUN
gp-129	135	2	is	be	AUX
gp-129	135	3	better	well	ADJ
gp-129	135	4	in	in	ADP
gp-129	135	5	urban	urban	ADJ
gp-129	135	6	areas	area	NOUN
gp-129	135	7	compared	compare	VERB
gp-129	135	8	to	to	ADP
gp-129	135	9	semi	semi	ADJ
gp-129	135	10	-	-	ADJ
gp-129	135	11	urban	urban	ADJ
gp-129	135	12	areas	area	NOUN
gp-129	135	13	,	,	PUNCT
gp-129	135	14	but	but	CCONJ
gp-129	135	15	there	there	PRON
gp-129	135	16	are	be	VERB
gp-129	135	17	still	still	ADV
gp-129	135	18	infrastructure	infrastructure	NOUN
gp-129	135	19	challenges	challenge	NOUN
gp-129	135	20	that	that	PRON
gp-129	135	21	hinder	hinder	VERB
gp-129	135	22	islamic	islamic	ADJ
gp-129	135	23	financial	financial	ADJ
gp-129	135	24	inclusion	inclusion	NOUN
gp-129	135	25	.	.	PUNCT
gp-129	136	1	what	what	PRON
gp-129	136	2	are	be	AUX
gp-129	136	3	the	the	DET
gp-129	136	4	benefits	benefit	NOUN
gp-129	136	5	of	of	ADP
gp-129	136	6	islamic	islamic	ADJ
gp-129	136	7	finance	finance	NOUN
gp-129	136	8	to	to	ADP
gp-129	136	9	economic	economic	ADJ
gp-129	136	10	well	well	NOUN
gp-129	136	11	-	-	PUNCT
gp-129	136	12	being	being	NOUN
gp-129	136	13	?	?	PUNCT
gp-129	137	1	islamic	islamic	ADJ
gp-129	137	2	finance	finance	PROPN
gp-129	137	3	has	have	VERB
gp-129	137	4	a	a	DET
gp-129	137	5	positive	positive	ADJ
gp-129	137	6	impact	impact	NOUN
gp-129	137	7	on	on	ADP
gp-129	137	8	financial	financial	ADJ
gp-129	137	9	management	management	NOUN
gp-129	137	10	and	and	CCONJ
gp-129	137	11	household	household	NOUN
gp-129	137	12	balance	balance	NOUN
gp-129	137	13	,	,	PUNCT
gp-129	137	14	although	although	SCONJ
gp-129	137	15	this	this	DET
gp-129	137	16	benefit	benefit	NOUN
gp-129	137	17	has	have	AUX
gp-129	137	18	not	not	PART
gp-129	137	19	been	be	AUX
gp-129	137	20	felt	feel	VERB
gp-129	137	21	equally	equally	ADV
gp-129	137	22	by	by	ADP
gp-129	137	23	all	all	DET
gp-129	137	24	respondents	respondent	NOUN
gp-129	137	25	.	.	PUNCT
gp-129	138	1	what	what	PRON
gp-129	138	2	are	be	AUX
gp-129	138	3	the	the	DET
gp-129	138	4	main	main	ADJ
gp-129	138	5	barriers	barrier	NOUN
gp-129	138	6	to	to	ADP
gp-129	138	7	the	the	DET
gp-129	138	8	implementation	implementation	NOUN
gp-129	138	9	of	of	ADP
gp-129	138	10	islamic	islamic	ADJ
gp-129	138	11	finance	finance	NOUN
gp-129	138	12	?	?	PUNCT
gp-129	139	1	the	the	DET
gp-129	139	2	main	main	ADJ
gp-129	139	3	barriers	barrier	NOUN
gp-129	139	4	include	include	VERB
gp-129	139	5	a	a	DET
gp-129	139	6	lack	lack	NOUN
gp-129	139	7	of	of	ADP
gp-129	139	8	product	product	NOUN
gp-129	139	9	innovation	innovation	NOUN
gp-129	139	10	,	,	PUNCT
gp-129	139	11	high	high	ADJ
gp-129	139	12	administrative	administrative	ADJ
gp-129	139	13	costs	cost	NOUN
gp-129	139	14	,	,	PUNCT
gp-129	139	15	and	and	CCONJ
gp-129	139	16	a	a	DET
gp-129	139	17	lack	lack	NOUN
gp-129	139	18	of	of	ADP
gp-129	139	19	socialization	socialization	NOUN
gp-129	139	20	.	.	PUNCT
gp-129	140	1	conclusion	conclusion	NOUN
gp-129	140	2	this	this	DET
gp-129	140	3	study	study	NOUN
gp-129	140	4	aims	aim	VERB
gp-129	140	5	to	to	PART
gp-129	140	6	analyze	analyze	VERB
gp-129	140	7	the	the	DET
gp-129	140	8	implementation	implementation	NOUN
gp-129	140	9	of	of	ADP
gp-129	140	10	islamic	islamic	ADJ
gp-129	140	11	finance	finance	NOUN
gp-129	140	12	on	on	ADP
gp-129	140	13	the	the	DET
gp-129	140	14	economic	economic	ADJ
gp-129	140	15	welfare	welfare	NOUN
gp-129	140	16	of	of	ADP
gp-129	140	17	muslim	muslim	ADJ
gp-129	140	18	communities	community	NOUN
gp-129	140	19	,	,	PUNCT
gp-129	140	20	focusing	focus	VERB
gp-129	140	21	on	on	ADP
gp-129	140	22	literacy	literacy	NOUN
gp-129	140	23	,	,	PUNCT
gp-129	140	24	accessibility	accessibility	NOUN
gp-129	140	25	,	,	PUNCT
gp-129	140	26	economic	economic	ADJ
gp-129	140	27	benefits	benefit	NOUN
gp-129	140	28	,	,	PUNCT
gp-129	140	29	and	and	CCONJ
gp-129	140	30	challenges	challenge	NOUN
gp-129	140	31	in	in	ADP
gp-129	140	32	its	its	PRON
gp-129	140	33	implementation	implementation	NOUN
gp-129	140	34	.	.	PUNCT
gp-129	141	1	the	the	DET
gp-129	141	2	study	study	NOUN
gp-129	141	3	found	find	VERB
gp-129	141	4	that	that	SCONJ
gp-129	141	5	the	the	DET
gp-129	141	6	islamic	islamic	ADJ
gp-129	141	7	financial	financial	ADJ
gp-129	141	8	literacy	literacy	NOUN
gp-129	141	9	level	level	NOUN
gp-129	141	10	of	of	ADP
gp-129	141	11	the	the	DET
gp-129	141	12	community	community	NOUN
gp-129	141	13	is	be	AUX
gp-129	141	14	still	still	ADV
gp-129	141	15	at	at	ADP
gp-129	141	16	a	a	DET
gp-129	141	17	moderate	moderate	ADJ
gp-129	141	18	level	level	NOUN
gp-129	141	19	,	,	PUNCT
gp-129	141	20	with	with	ADP
gp-129	141	21	understanding	understanding	NOUN
gp-129	141	22	influenced	influence	VERB
gp-129	141	23	by	by	ADP
gp-129	141	24	education	education	NOUN
gp-129	141	25	level	level	NOUN
gp-129	141	26	and	and	CCONJ
gp-129	141	27	access	access	NOUN
gp-129	141	28	to	to	ADP
gp-129	141	29	information	information	NOUN
gp-129	141	30	.	.	PUNCT
gp-129	142	1	accessibility	accessibility	NOUN
gp-129	142	2	of	of	ADP
gp-129	142	3	islamic	islamic	ADJ
gp-129	142	4	financial	financial	ADJ
gp-129	142	5	services	service	NOUN
gp-129	142	6	shows	show	VERB
gp-129	142	7	disparities	disparity	NOUN
gp-129	142	8	between	between	ADP
gp-129	142	9	urban	urban	ADJ
gp-129	142	10	and	and	CCONJ
gp-129	142	11	semiurban	semiurban	ADJ
gp-129	142	12	areas	area	NOUN
gp-129	142	13	,	,	PUNCT
gp-129	142	14	with	with	ADP
gp-129	142	15	semi	semi	ADJ
gp-129	142	16	-	-	ADJ
gp-129	142	17	urban	urban	ADJ
gp-129	142	18	areas	area	NOUN
gp-129	142	19	facing	face	VERB
gp-129	142	20	more	more	ADJ
gp-129	142	21	infrastructure	infrastructure	NOUN
gp-129	142	22	constraints	constraint	NOUN
gp-129	142	23	.	.	PUNCT
gp-129	143	1	in	in	ADP
gp-129	143	2	addition	addition	NOUN
gp-129	143	3	,	,	PUNCT
gp-129	143	4	islamic	islamic	ADJ
gp-129	143	5	finance	finance	NOUN
gp-129	143	6	is	be	AUX
gp-129	143	7	shown	show	VERB
gp-129	143	8	to	to	PART
gp-129	143	9	have	have	VERB
gp-129	143	10	a	a	DET
gp-129	143	11	positive	positive	ADJ
gp-129	143	12	impact	impact	NOUN
gp-129	143	13	on	on	ADP
gp-129	143	14	economic	economic	ADJ
gp-129	143	15	welfare	welfare	NOUN
gp-129	143	16	,	,	PUNCT
gp-129	143	17	especially	especially	ADV
gp-129	143	18	in	in	ADP
gp-129	143	19	income	income	NOUN
gp-129	143	20	management	management	NOUN
gp-129	143	21	,	,	PUNCT
gp-129	143	22	savings	saving	NOUN
gp-129	143	23	,	,	PUNCT
gp-129	143	24	and	and	CCONJ
gp-129	143	25	small	small	ADJ
gp-129	143	26	business	business	NOUN
gp-129	143	27	financing	financing	NOUN
gp-129	143	28	,	,	PUNCT
gp-129	143	29	although	although	SCONJ
gp-129	143	30	these	these	DET
gp-129	143	31	benefits	benefit	NOUN
gp-129	143	32	have	have	AUX
gp-129	143	33	not	not	PART
gp-129	143	34	been	be	AUX
gp-129	143	35	felt	feel	VERB
gp-129	143	36	equally	equally	ADV
gp-129	143	37	.	.	PUNCT
gp-129	144	1	this	this	DET
gp-129	144	2	study	study	NOUN
gp-129	144	3	contributes	contribute	VERB
gp-129	144	4	to	to	ADP
gp-129	144	5	the	the	DET
gp-129	144	6	literature	literature	NOUN
gp-129	144	7	by	by	ADP
gp-129	144	8	highlighting	highlight	VERB
gp-129	144	9	the	the	DET
gp-129	144	10	micro	micro	NOUN
gp-129	144	11	-	-	NOUN
gp-129	144	12	dynamics	dynamic	NOUN
gp-129	144	13	of	of	ADP
gp-129	144	14	islamic	islamic	ADJ
gp-129	144	15	finance	finance	NOUN
gp-129	144	16	,	,	PUNCT
gp-129	144	17	linking	link	VERB
gp-129	144	18	literacy	literacy	NOUN
gp-129	144	19	and	and	CCONJ
gp-129	144	20	accessibility	accessibility	NOUN
gp-129	144	21	with	with	ADP
gp-129	144	22	economic	economic	ADJ
gp-129	144	23	welfare	welfare	NOUN
gp-129	144	24	impacts	impact	NOUN
gp-129	144	25	at	at	ADP
gp-129	144	26	the	the	DET
gp-129	144	27	individual	individual	ADJ
gp-129	144	28	level	level	NOUN
gp-129	144	29	.	.	PUNCT
gp-129	145	1	the	the	DET
gp-129	145	2	findings	finding	NOUN
gp-129	145	3	also	also	ADV
gp-129	145	4	emphasize	emphasize	VERB
gp-129	145	5	the	the	DET
gp-129	145	6	importance	importance	NOUN
gp-129	145	7	of	of	ADP
gp-129	145	8	developing	develop	VERB
gp-129	145	9	more	more	ADV
gp-129	145	10	flexible	flexible	ADJ
gp-129	145	11	and	and	CCONJ
gp-129	145	12	inclusive	inclusive	ADJ
gp-129	145	13	islamic	islamic	ADJ
gp-129	145	14	financial	financial	ADJ
gp-129	145	15	products	product	NOUN
gp-129	145	16	to	to	PART
gp-129	145	17	meet	meet	VERB
gp-129	145	18	the	the	DET
gp-129	145	19	needs	need	NOUN
gp-129	145	20	of	of	ADP
gp-129	145	21	the	the	DET
gp-129	145	22	community	community	NOUN
gp-129	145	23	,	,	PUNCT
gp-129	145	24	especially	especially	ADV
gp-129	145	25	in	in	ADP
gp-129	145	26	underserved	underserved	ADJ
gp-129	145	27	areas	area	NOUN
gp-129	145	28	.	.	PUNCT
gp-129	146	1	american	american	ADJ
gp-129	146	2	journal	journal	PROPN
gp-129	146	3	of	of	ADP
gp-129	146	4	economic	economic	ADJ
gp-129	146	5	and	and	CCONJ
gp-129	146	6	management	management	NOUN
gp-129	146	7	business	business	NOUN
gp-129	146	8	vol	vol	NOUN
gp-129	146	9	.	.	PROPN
gp-129	147	1	3	3	NUM
gp-129	147	2	no	no	NOUN
gp-129	147	3	.	.	NOUN
gp-129	147	4	11	11	NUM
gp-129	147	5	november	november	PROPN
gp-129	147	6	2024	2024	NUM
gp-129	147	7	436	436	NUM
gp-129	147	8	the	the	DET
gp-129	147	9	limitations	limitation	NOUN
gp-129	147	10	of	of	ADP
gp-129	147	11	this	this	DET
gp-129	147	12	study	study	NOUN
gp-129	147	13	lie	lie	VERB
gp-129	147	14	in	in	ADP
gp-129	147	15	its	its	PRON
gp-129	147	16	limited	limited	ADJ
gp-129	147	17	geographical	geographical	ADJ
gp-129	147	18	scope	scope	NOUN
gp-129	147	19	and	and	CCONJ
gp-129	147	20	relatively	relatively	ADV
gp-129	147	21	small	small	ADJ
gp-129	147	22	sample	sample	NOUN
gp-129	147	23	size	size	NOUN
gp-129	147	24	,	,	PUNCT
gp-129	147	25	so	so	SCONJ
gp-129	147	26	the	the	DET
gp-129	147	27	results	result	NOUN
gp-129	147	28	may	may	AUX
gp-129	147	29	not	not	PART
gp-129	147	30	fully	fully	ADV
gp-129	147	31	represent	represent	VERB
gp-129	147	32	the	the	DET
gp-129	147	33	wider	wide	ADJ
gp-129	147	34	population	population	NOUN
gp-129	147	35	.	.	PUNCT
gp-129	148	1	in	in	ADP
gp-129	148	2	addition	addition	NOUN
gp-129	148	3	,	,	PUNCT
gp-129	148	4	this	this	DET
gp-129	148	5	study	study	NOUN
gp-129	148	6	did	do	AUX
gp-129	148	7	not	not	PART
gp-129	148	8	include	include	VERB
gp-129	148	9	an	an	DET
gp-129	148	10	in	in	ADP
gp-129	148	11	-	-	PUNCT
gp-129	148	12	depth	depth	NOUN
gp-129	148	13	quantitative	quantitative	ADJ
gp-129	148	14	analysis	analysis	NOUN
gp-129	148	15	of	of	ADP
gp-129	148	16	the	the	DET
gp-129	148	17	causal	causal	ADJ
gp-129	148	18	relationships	relationship	NOUN
gp-129	148	19	between	between	ADP
gp-129	148	20	variables	variable	NOUN
gp-129	148	21	,	,	PUNCT
gp-129	148	22	which	which	PRON
gp-129	148	23	could	could	AUX
gp-129	148	24	provide	provide	VERB
gp-129	148	25	more	more	ADV
gp-129	148	26	quantifiable	quantifiable	ADJ
gp-129	148	27	results	result	NOUN
gp-129	148	28	.	.	PUNCT
gp-129	149	1	for	for	ADP
gp-129	149	2	future	future	ADJ
gp-129	149	3	research	research	NOUN
gp-129	149	4	,	,	PUNCT
gp-129	149	5	it	it	PRON
gp-129	149	6	is	be	AUX
gp-129	149	7	recommended	recommend	VERB
gp-129	149	8	to	to	PART
gp-129	149	9	expand	expand	VERB
gp-129	149	10	the	the	DET
gp-129	149	11	geographical	geographical	ADJ
gp-129	149	12	coverage	coverage	NOUN
gp-129	149	13	,	,	PUNCT
gp-129	149	14	increase	increase	VERB
gp-129	149	15	the	the	DET
gp-129	149	16	sample	sample	NOUN
gp-129	149	17	size	size	NOUN
gp-129	149	18	,	,	PUNCT
gp-129	149	19	and	and	CCONJ
gp-129	149	20	use	use	VERB
gp-129	149	21	a	a	DET
gp-129	149	22	mixed	mixed	ADJ
gp-129	149	23	-	-	PUNCT
gp-129	149	24	methods	method	NOUN
gp-129	149	25	approach	approach	NOUN
gp-129	149	26	to	to	PART
gp-129	149	27	explore	explore	VERB
gp-129	149	28	quantitative	quantitative	ADJ
gp-129	149	29	and	and	CCONJ
gp-129	149	30	qualitative	qualitative	ADJ
gp-129	149	31	relationships	relationship	NOUN
gp-129	149	32	simultaneously	simultaneously	ADV
gp-129	149	33	.	.	PUNCT
gp-129	150	1	further	further	ADJ
gp-129	150	2	research	research	NOUN
gp-129	150	3	can	can	AUX
gp-129	150	4	also	also	ADV
gp-129	150	5	explore	explore	VERB
gp-129	150	6	islamic	islamic	ADJ
gp-129	150	7	financial	financial	ADJ
gp-129	150	8	product	product	NOUN
gp-129	150	9	innovation	innovation	NOUN
gp-129	150	10	and	and	CCONJ
gp-129	150	11	its	its	PRON
gp-129	150	12	impact	impact	NOUN
gp-129	150	13	on	on	ADP
gp-129	150	14	specific	specific	ADJ
gp-129	150	15	community	community	NOUN
gp-129	150	16	groups	group	NOUN
gp-129	150	17	,	,	PUNCT
gp-129	150	18	such	such	ADJ
gp-129	150	19	as	as	ADP
gp-129	150	20	microentrepreneurs	microentrepreneur	NOUN
gp-129	150	21	or	or	CCONJ
gp-129	150	22	communities	community	NOUN
gp-129	150	23	in	in	ADP
gp-129	150	24	remote	remote	ADJ
gp-129	150	25	areas	area	NOUN
gp-129	150	26	.	.	PUNCT
gp-129	151	1	this	this	PRON
gp-129	151	2	is	be	AUX
gp-129	151	3	expected	expect	VERB
gp-129	151	4	to	to	PART
gp-129	151	5	support	support	VERB
gp-129	151	6	the	the	DET
gp-129	151	7	development	development	NOUN
gp-129	151	8	of	of	ADP
gp-129	151	9	more	more	ADJ
gp-129	151	10	inclusive	inclusive	ADJ
gp-129	151	11	and	and	CCONJ
gp-129	151	12	sustainable	sustainable	ADJ
gp-129	151	13	islamic	islamic	ADJ
gp-129	151	14	finance	finance	NOUN
gp-129	151	15	.	.	PUNCT
gp-129	152	1	bibliography	bibliography	NOUN
gp-129	152	2	aliyu	aliyu	PROPN
gp-129	152	3	,	,	PUNCT
gp-129	152	4	s.	s.	PROPN
gp-129	152	5	u.	u.	PROPN
gp-129	152	6	r.	r.	PROPN
gp-129	152	7	,	,	PUNCT
gp-129	152	8	danlami	danlami	PROPN
gp-129	152	9	,	,	PUNCT
gp-129	152	10	a.	a.	PROPN
gp-129	152	11	h.	h.	PROPN
gp-129	152	12	,	,	PUNCT
gp-129	152	13	&	&	CCONJ
gp-129	152	14	shehu	shehu	PROPN
gp-129	152	15	,	,	PUNCT
gp-129	152	16	f.	f.	PROPN
gp-129	152	17	m.	m.	PROPN
gp-129	152	18	(	(	PUNCT
gp-129	152	19	2024	2024	NUM
gp-129	152	20	)	)	PUNCT
gp-129	152	21	.	.	PUNCT
gp-129	153	1	predictors	predictor	NOUN
gp-129	153	2	of	of	ADP
gp-129	153	3	islamic	islamic	ADJ
gp-129	153	4	financial	financial	ADJ
gp-129	153	5	inclusion	inclusion	NOUN
gp-129	153	6	in	in	ADP
gp-129	153	7	the	the	DET
gp-129	153	8	northwest	northwest	PROPN
gp-129	153	9	nigeria	nigeria	PROPN
gp-129	153	10	:	:	PUNCT
gp-129	153	11	a	a	DET
gp-129	153	12	preliminary	preliminary	ADJ
gp-129	153	13	cross	cross	ADJ
gp-129	153	14	-	-	ADJ
gp-129	153	15	sectional	sectional	ADJ
gp-129	153	16	investigation	investigation	NOUN
gp-129	153	17	.	.	PUNCT
gp-129	154	1	international	international	ADJ
gp-129	154	2	journal	journal	PROPN
gp-129	154	3	of	of	ADP
gp-129	154	4	islamic	islamic	ADJ
gp-129	154	5	economics	economic	NOUN
gp-129	154	6	and	and	CCONJ
gp-129	154	7	finance	finance	NOUN
gp-129	154	8	(	(	PUNCT
gp-129	154	9	ijief	ijief	NOUN
gp-129	154	10	)	)	PUNCT
gp-129	154	11	,	,	PUNCT
gp-129	154	12	7(2	7(2	NUM
gp-129	154	13	)	)	PUNCT
gp-129	154	14	,	,	PUNCT
gp-129	154	15	223–247	223–247	NUM
gp-129	154	16	.	.	PUNCT
gp-129	155	1	dirie	dirie	ADJ
gp-129	155	2	,	,	PUNCT
gp-129	155	3	k.	k.	PROPN
gp-129	155	4	a.	a.	PROPN
gp-129	155	5	,	,	PUNCT
gp-129	155	6	alam	alam	PROPN
gp-129	155	7	,	,	PUNCT
gp-129	155	8	m.	m.	NOUN
gp-129	155	9	m.	m.	NOUN
gp-129	155	10	,	,	PUNCT
gp-129	155	11	&	&	CCONJ
gp-129	155	12	maamor	maamor	PROPN
gp-129	155	13	,	,	PUNCT
gp-129	155	14	s.	s.	PROPN
gp-129	155	15	(	(	PUNCT
gp-129	155	16	2024	2024	NUM
gp-129	155	17	)	)	PUNCT
gp-129	155	18	.	.	PUNCT
gp-129	156	1	islamic	islamic	ADJ
gp-129	156	2	social	social	ADJ
gp-129	156	3	finance	finance	NOUN
gp-129	156	4	for	for	ADP
gp-129	156	5	achieving	achieve	VERB
gp-129	156	6	sustainable	sustainable	ADJ
gp-129	156	7	development	development	NOUN
gp-129	156	8	goals	goal	NOUN
gp-129	156	9	:	:	PUNCT
gp-129	156	10	a	a	DET
gp-129	156	11	systematic	systematic	ADJ
gp-129	156	12	literature	literature	NOUN
gp-129	156	13	review	review	NOUN
gp-129	156	14	and	and	CCONJ
gp-129	156	15	future	future	ADJ
gp-129	156	16	research	research	NOUN
gp-129	156	17	agenda	agenda	NOUN
gp-129	156	18	.	.	PUNCT
gp-129	157	1	international	international	ADJ
gp-129	157	2	journal	journal	PROPN
gp-129	157	3	of	of	ADP
gp-129	157	4	ethics	ethic	NOUN
gp-129	157	5	and	and	CCONJ
gp-129	157	6	systems	system	NOUN
gp-129	157	7	,	,	PUNCT
gp-129	157	8	40(4	40(4	NUM
gp-129	157	9	)	)	PUNCT
gp-129	157	10	,	,	PUNCT
gp-129	157	11	676–698	676–698	NUM
gp-129	157	12	.	.	PUNCT
gp-129	158	1	er	er	INTJ
gp-129	158	2	,	,	PUNCT
gp-129	158	3	b.	b.	PROPN
gp-129	158	4	,	,	PUNCT
gp-129	158	5	&	&	CCONJ
gp-129	158	6	mutlu	mutlu	PROPN
gp-129	158	7	,	,	PUNCT
gp-129	158	8	m.	m.	NOUN
gp-129	158	9	(	(	PUNCT
gp-129	158	10	2017	2017	NUM
gp-129	158	11	)	)	PUNCT
gp-129	158	12	.	.	PUNCT
gp-129	159	1	financial	financial	ADJ
gp-129	159	2	inclusion	inclusion	NOUN
gp-129	159	3	and	and	CCONJ
gp-129	159	4	islamic	islamic	ADJ
gp-129	159	5	finance	finance	PROPN
gp-129	159	6	:	:	PUNCT
gp-129	159	7	a	a	DET
gp-129	159	8	survey	survey	NOUN
gp-129	159	9	of	of	ADP
gp-129	159	10	islamic	islamic	ADJ
gp-129	159	11	financial	financial	ADJ
gp-129	159	12	literacy	literacy	PROPN
gp-129	159	13	index	index	NOUN
gp-129	159	14	.	.	PUNCT
gp-129	160	1	international	international	ADJ
gp-129	160	2	journal	journal	PROPN
gp-129	160	3	of	of	ADP
gp-129	160	4	islamic	islamic	ADJ
gp-129	160	5	economics	economics	PROPN
gp-129	160	6	and	and	CCONJ
gp-129	160	7	finance	finance	NOUN
gp-129	160	8	studies	study	NOUN
gp-129	160	9	,	,	PUNCT
gp-129	160	10	3(2	3(2	NUM
gp-129	160	11	)	)	PUNCT
gp-129	160	12	.	.	PUNCT
gp-129	161	1	gait	gait	PROPN
gp-129	161	2	,	,	PUNCT
gp-129	161	3	a.	a.	PROPN
gp-129	161	4	h.	h.	PROPN
gp-129	161	5	,	,	PUNCT
gp-129	161	6	&	&	CCONJ
gp-129	161	7	worthington	worthington	PROPN
gp-129	161	8	,	,	PUNCT
gp-129	161	9	a.	a.	PROPN
gp-129	161	10	c.	c.	PROPN
gp-129	161	11	(	(	PUNCT
gp-129	161	12	2018	2018	NUM
gp-129	161	13	)	)	PUNCT
gp-129	161	14	.	.	PUNCT
gp-129	162	1	attitudes	attitude	NOUN
gp-129	162	2	of	of	ADP
gp-129	162	3	libyan	libyan	ADJ
gp-129	162	4	banks	bank	NOUN
gp-129	162	5	towards	towards	ADP
gp-129	162	6	islamic	islamic	ADJ
gp-129	162	7	methods	method	NOUN
gp-129	162	8	of	of	ADP
gp-129	162	9	finance	finance	NOUN
gp-129	162	10	.	.	PUNCT
gp-129	163	1	current	current	ADJ
gp-129	163	2	politics	politic	NOUN
gp-129	163	3	&	&	CCONJ
gp-129	163	4	economics	economics	PROPN
gp-129	163	5	of	of	ADP
gp-129	163	6	africa	africa	PROPN
gp-129	163	7	,	,	PUNCT
gp-129	163	8	11	11	NUM
gp-129	163	9	.	.	PUNCT
gp-129	164	1	gheeraert	gheeraert	PROPN
gp-129	164	2	,	,	PUNCT
gp-129	164	3	l.	l.	PROPN
gp-129	164	4	,	,	PUNCT
gp-129	164	5	&	&	CCONJ
gp-129	164	6	weill	weill	PROPN
gp-129	164	7	,	,	PUNCT
gp-129	164	8	l.	l.	PROPN
gp-129	164	9	(	(	PUNCT
gp-129	164	10	2015	2015	NUM
gp-129	164	11	)	)	PUNCT
gp-129	164	12	.	.	PUNCT
gp-129	165	1	does	do	AUX
gp-129	165	2	islamic	islamic	PROPN
gp-129	165	3	banking	banking	NOUN
gp-129	165	4	development	development	NOUN
gp-129	165	5	favor	favor	VERB
gp-129	165	6	macroeconomic	macroeconomic	ADJ
gp-129	165	7	efficiency	efficiency	NOUN
gp-129	165	8	?	?	PUNCT
gp-129	166	1	evidence	evidence	NOUN
gp-129	166	2	on	on	ADP
gp-129	166	3	the	the	DET
gp-129	166	4	islamic	islamic	ADJ
gp-129	166	5	finance	finance	NOUN
gp-129	166	6	-	-	PUNCT
gp-129	166	7	growth	growth	NOUN
gp-129	166	8	nexus	nexus	NOUN
gp-129	166	9	.	.	PUNCT
gp-129	167	1	economic	economic	ADJ
gp-129	167	2	modelling	modelling	NOUN
gp-129	167	3	,	,	PUNCT
gp-129	167	4	47	47	NUM
gp-129	167	5	,	,	PUNCT
gp-129	167	6	32–39	32–39	NUM
gp-129	167	7	.	.	PUNCT
gp-129	168	1	https://doi.org/10.1016/j.econmod.2015.02.012	https://doi.org/10.1016/j.econmod.2015.02.012	PROPN
gp-129	168	2	gwadabe	gwadabe	PROPN
gp-129	168	3	,	,	PUNCT
gp-129	168	4	n.	n.	NOUN
gp-129	168	5	a.	a.	PROPN
gp-129	168	6	,	,	PUNCT
gp-129	168	7	&	&	CCONJ
gp-129	168	8	ab	ab	PROPN
gp-129	168	9	rahman	rahman	PROPN
gp-129	168	10	,	,	PUNCT
gp-129	168	11	a.	a.	NOUN
gp-129	168	12	(	(	PUNCT
gp-129	168	13	2020	2020	NUM
gp-129	168	14	)	)	PUNCT
gp-129	168	15	.	.	PUNCT
gp-129	169	1	the	the	DET
gp-129	169	2	role	role	NOUN
gp-129	169	3	of	of	ADP
gp-129	169	4	islamic	islamic	ADJ
gp-129	169	5	finance	finance	NOUN
gp-129	169	6	in	in	ADP
gp-129	169	7	mitigating	mitigate	VERB
gp-129	169	8	the	the	DET
gp-129	169	9	economic	economic	ADJ
gp-129	169	10	impact	impact	NOUN
gp-129	169	11	of	of	ADP
gp-129	169	12	covid-19	covid-19	PROPN
gp-129	169	13	towards	towards	ADP
gp-129	169	14	the	the	DET
gp-129	169	15	attainment	attainment	NOUN
gp-129	169	16	of	of	ADP
gp-129	169	17	maqasid	maqasid	PROPN
gp-129	169	18	al	al	PROPN
gp-129	169	19	shariah	shariah	PROPN
gp-129	169	20	:	:	PUNCT
gp-129	169	21	a	a	DET
gp-129	169	22	case	case	NOUN
gp-129	169	23	study	study	NOUN
gp-129	169	24	of	of	ADP
gp-129	169	25	waqf	waqf	ADJ
gp-129	169	26	institutions	institution	NOUN
gp-129	169	27	in	in	ADP
gp-129	169	28	kano	kano	PROPN
gp-129	169	29	state	state	PROPN
gp-129	169	30	,	,	PUNCT
gp-129	169	31	nigeria	nigeria	PROPN
gp-129	169	32	.	.	PUNCT
gp-129	170	1	the	the	DET
gp-129	170	2	journal	journal	PROPN
gp-129	170	3	of	of	ADP
gp-129	170	4	muamalat	muamalat	NOUN
gp-129	170	5	and	and	CCONJ
gp-129	170	6	islamic	islamic	ADJ
gp-129	170	7	finance	finance	NOUN
gp-129	170	8	research	research	NOUN
gp-129	170	9	,	,	PUNCT
gp-129	170	10	59–70	59–70	NUM
gp-129	170	11	.	.	PUNCT
gp-129	171	1	haneef	haneef	PROPN
gp-129	171	2	,	,	PUNCT
gp-129	171	3	m.	m.	NOUN
gp-129	171	4	a.	a.	NOUN
gp-129	171	5	,	,	PUNCT
gp-129	171	6	pramanik	pramanik	VERB
gp-129	171	7	,	,	PUNCT
gp-129	171	8	a.	a.	PROPN
gp-129	171	9	h.	h.	PROPN
gp-129	171	10	,	,	PUNCT
gp-129	171	11	mohammed	mohammed	PROPN
gp-129	171	12	,	,	PUNCT
gp-129	171	13	m.	m.	NOUN
gp-129	171	14	o.	o.	PROPN
gp-129	171	15	,	,	PUNCT
gp-129	171	16	amin	amin	PROPN
gp-129	171	17	,	,	PUNCT
gp-129	171	18	m.	m.	PROPN
gp-129	171	19	f.	f.	PROPN
gp-129	171	20	bin	bin	PROPN
gp-129	171	21	,	,	PUNCT
gp-129	171	22	&	&	CCONJ
gp-129	171	23	muhammad	muhammad	PROPN
gp-129	171	24	,	,	PUNCT
gp-129	171	25	a.	a.	PROPN
gp-129	171	26	d.	d.	PROPN
gp-129	171	27	(	(	PUNCT
gp-129	171	28	2015	2015	NUM
gp-129	171	29	)	)	PUNCT
gp-129	171	30	.	.	PUNCT
gp-129	172	1	integration	integration	NOUN
gp-129	172	2	of	of	ADP
gp-129	172	3	waqf	waqf	ADJ
gp-129	172	4	-	-	PUNCT
gp-129	172	5	islamic	islamic	ADJ
gp-129	172	6	microfinance	microfinance	NOUN
gp-129	172	7	model	model	NOUN
gp-129	172	8	for	for	ADP
gp-129	172	9	poverty	poverty	NOUN
gp-129	172	10	reduction	reduction	NOUN
gp-129	172	11	:	:	PUNCT
gp-129	172	12	the	the	DET
gp-129	172	13	case	case	NOUN
gp-129	172	14	of	of	ADP
gp-129	172	15	bangladesh	bangladesh	PROPN
gp-129	172	16	.	.	PUNCT
gp-129	173	1	international	international	ADJ
gp-129	173	2	journal	journal	PROPN
gp-129	173	3	of	of	ADP
gp-129	173	4	islamic	islamic	ADJ
gp-129	173	5	and	and	CCONJ
gp-129	173	6	middle	middle	ADJ
gp-129	173	7	eastern	eastern	ADJ
gp-129	173	8	finance	finance	NOUN
gp-129	173	9	and	and	CCONJ
gp-129	173	10	management	management	NOUN
gp-129	173	11	,	,	PUNCT
gp-129	173	12	8(2	8(2	NUM
gp-129	173	13	)	)	PUNCT
gp-129	173	14	,	,	PUNCT
gp-129	173	15	246–270	246–270	NUM
gp-129	173	16	.	.	PUNCT
gp-129	174	1	hasan	hasan	PROPN
gp-129	174	2	,	,	PUNCT
gp-129	174	3	r.	r.	PROPN
gp-129	174	4	,	,	PUNCT
gp-129	174	5	hassan	hassan	PROPN
gp-129	174	6	,	,	PUNCT
gp-129	174	7	m.	m.	PROPN
gp-129	174	8	k.	k.	PROPN
gp-129	174	9	,	,	PUNCT
gp-129	174	10	&	&	CCONJ
gp-129	174	11	rashid	rashid	PROPN
gp-129	174	12	,	,	PUNCT
gp-129	174	13	m.	m.	NOUN
gp-129	174	14	(	(	PUNCT
gp-129	174	15	2019	2019	NUM
gp-129	174	16	)	)	PUNCT
gp-129	174	17	.	.	PUNCT
gp-129	175	1	mediating	mediate	VERB
gp-129	175	2	role	role	NOUN
gp-129	175	3	of	of	ADP
gp-129	175	4	trust	trust	NOUN
gp-129	175	5	in	in	ADP
gp-129	175	6	cash	cash	NOUN
gp-129	175	7	waqf	waqf	NOUN
gp-129	175	8	donations	donation	NOUN
gp-129	175	9	.	.	PUNCT
gp-129	176	1	revitalization	revitalization	NOUN
gp-129	176	2	of	of	ADP
gp-129	176	3	waqf	waqf	NOUN
gp-129	176	4	for	for	ADP
gp-129	176	5	socio	socio	NOUN
gp-129	176	6	-	-	PUNCT
gp-129	176	7	economic	economic	ADJ
gp-129	176	8	development	development	NOUN
gp-129	176	9	,	,	PUNCT
gp-129	176	10	volume	volume	NOUN
gp-129	176	11	ii	ii	PROPN
gp-129	176	12	,	,	PUNCT
gp-129	176	13	293–317	293–317	NUM
gp-129	176	14	.	.	PUNCT
gp-129	177	1	elsa	elsa	NOUN
gp-129	177	2	islammia	islammia	PROPN
gp-129	177	3	pasha	pasha	PROPN
gp-129	177	4	,	,	PUNCT
gp-129	177	5	zaki	zaki	PROPN
gp-129	177	6	ahmad	ahmad	VERB
gp-129	177	7	437	437	NUM
gp-129	177	8	ismail	ismail	NOUN
gp-129	177	9	,	,	PUNCT
gp-129	177	10	a.	a.	NOUN
gp-129	177	11	g.	g.	PROPN
gp-129	177	12	,	,	PUNCT
gp-129	177	13	&	&	CCONJ
gp-129	177	14	zulkhibri	zulkhibri	PROPN
gp-129	177	15	,	,	PUNCT
gp-129	177	16	m.	m.	NOUN
gp-129	177	17	(	(	PUNCT
gp-129	177	18	2024	2024	NUM
gp-129	177	19	)	)	PUNCT
gp-129	177	20	.	.	PUNCT
gp-129	178	1	economic	economic	ADJ
gp-129	178	2	capital	capital	NOUN
gp-129	178	3	and	and	CCONJ
gp-129	178	4	risk	risk	NOUN
gp-129	178	5	management	management	NOUN
gp-129	178	6	in	in	ADP
gp-129	178	7	islamic	islamic	ADJ
gp-129	178	8	finance	finance	PROPN
gp-129	178	9	.	.	PUNCT
gp-129	179	1	jayanti	jayanti	PROPN
gp-129	179	2	,	,	PUNCT
gp-129	179	3	m.	m.	NOUN
gp-129	179	4	i.	i.	PROPN
gp-129	179	5	(	(	PUNCT
gp-129	179	6	2024	2024	NUM
gp-129	179	7	)	)	PUNCT
gp-129	179	8	.	.	PUNCT
gp-129	180	1	level	level	NOUN
gp-129	180	2	of	of	ADP
gp-129	180	3	exposure	exposure	NOUN
gp-129	180	4	elementary	elementary	PROPN
gp-129	180	5	school	school	PROPN
gp-129	180	6	teachersto	teachersto	VERB
gp-129	180	7	the	the	DET
gp-129	180	8	implementation	implementation	NOUN
gp-129	180	9	merdeka	merdeka	PROPN
gp-129	180	10	curriculum	curriculum	PROPN
gp-129	180	11	.	.	PUNCT
gp-129	181	1	al	al	PROPN
gp-129	181	2	-	-	PUNCT
gp-129	181	3	hayat	hayat	PROPN
gp-129	181	4	:	:	PUNCT
gp-129	181	5	journal	journal	NOUN
gp-129	181	6	of	of	ADP
gp-129	181	7	islamic	islamic	ADJ
gp-129	181	8	education	education	NOUN
gp-129	181	9	,	,	PUNCT
gp-129	181	10	8(3	8(3	NUM
gp-129	181	11	)	)	PUNCT
gp-129	181	12	,	,	PUNCT
gp-129	181	13	845–861	845–861	NUM
gp-129	181	14	.	.	PUNCT
gp-129	182	1	khalidin	khalidin	PROPN
gp-129	182	2	,	,	PUNCT
gp-129	182	3	b.	b.	PROPN
gp-129	182	4	(	(	PUNCT
gp-129	182	5	2024	2024	NUM
gp-129	182	6	)	)	PUNCT
gp-129	182	7	.	.	PUNCT
gp-129	183	1	economic	economic	ADJ
gp-129	183	2	empowerment	empowerment	NOUN
gp-129	183	3	with	with	ADP
gp-129	183	4	islamic	islamic	ADJ
gp-129	183	5	economics	economic	NOUN
gp-129	183	6	-	-	PUNCT
gp-129	183	7	based	base	VERB
gp-129	183	8	instruments	instrument	NOUN
gp-129	183	9	.	.	PUNCT
gp-129	184	1	khan	khan	PROPN
gp-129	184	2	,	,	PUNCT
gp-129	184	3	f.	f.	PROPN
gp-129	184	4	(	(	PUNCT
gp-129	184	5	2015	2015	NUM
gp-129	184	6	)	)	PUNCT
gp-129	184	7	.	.	PUNCT
gp-129	185	1	islamic	islamic	ADJ
gp-129	185	2	banking	banking	PROPN
gp-129	185	3	in	in	ADP
gp-129	185	4	pakistan	pakistan	PROPN
gp-129	185	5	:	:	PUNCT
gp-129	185	6	shariah	shariah	PROPN
gp-129	185	7	-	-	PUNCT
gp-129	185	8	compliant	compliant	ADJ
gp-129	185	9	finance	finance	NOUN
gp-129	185	10	and	and	CCONJ
gp-129	185	11	the	the	DET
gp-129	185	12	quest	quest	NOUN
gp-129	185	13	to	to	PART
gp-129	185	14	make	make	VERB
gp-129	185	15	pakistan	pakistan	PROPN
gp-129	185	16	more	more	ADV
gp-129	185	17	islamic	islamic	ADJ
gp-129	185	18	.	.	PUNCT
gp-129	186	1	routledge	routledge	PROPN
gp-129	186	2	.	.	PUNCT
gp-129	186	3	m.	m.	PROPN
gp-129	186	4	anwar	anwar	PROPN
gp-129	186	5	,	,	PUNCT
gp-129	186	6	s.	s.	PROPN
gp-129	186	7	,	,	PUNCT
gp-129	186	8	junaidi	junaidi	PROPN
gp-129	186	9	,	,	PUNCT
gp-129	186	10	j.	j.	PROPN
gp-129	186	11	,	,	PUNCT
gp-129	186	12	salju	salju	PROPN
gp-129	186	13	,	,	PUNCT
gp-129	186	14	s.	s.	PROPN
gp-129	186	15	,	,	PUNCT
gp-129	186	16	wicaksono	wicaksono	PROPN
gp-129	186	17	,	,	PUNCT
gp-129	186	18	r.	r.	PROPN
gp-129	186	19	,	,	PUNCT
gp-129	186	20	&	&	CCONJ
gp-129	186	21	mispiyanti	mispiyanti	PROPN
gp-129	186	22	,	,	PUNCT
gp-129	186	23	m.	m.	NOUN
gp-129	186	24	(	(	PUNCT
gp-129	186	25	2020	2020	NUM
gp-129	186	26	)	)	PUNCT
gp-129	186	27	.	.	PUNCT
gp-129	187	1	islamic	islamic	PROPN
gp-129	187	2	bank	bank	PROPN
gp-129	187	3	contribution	contribution	NOUN
gp-129	187	4	to	to	ADP
gp-129	187	5	indonesian	indonesian	ADJ
gp-129	187	6	economic	economic	ADJ
gp-129	187	7	growth	growth	NOUN
gp-129	187	8	.	.	PUNCT
gp-129	188	1	international	international	ADJ
gp-129	188	2	journal	journal	PROPN
gp-129	188	3	of	of	ADP
gp-129	188	4	islamic	islamic	ADJ
gp-129	188	5	and	and	CCONJ
gp-129	188	6	middle	middle	ADJ
gp-129	188	7	eastern	eastern	ADJ
gp-129	188	8	finance	finance	NOUN
gp-129	188	9	and	and	CCONJ
gp-129	188	10	management	management	NOUN
gp-129	188	11	,	,	PUNCT
gp-129	188	12	13(3	13(3	NUM
gp-129	188	13	)	)	PUNCT
gp-129	188	14	,	,	PUNCT
gp-129	188	15	519–532	519–532	NUM
gp-129	188	16	.	.	PUNCT
gp-129	189	1	osman	osman	PROPN
gp-129	189	2	,	,	PUNCT
gp-129	189	3	m.	m.	NOUN
gp-129	189	4	,	,	PUNCT
gp-129	189	5	&	&	CCONJ
gp-129	189	6	elamin	elamin	NOUN
gp-129	189	7	,	,	PUNCT
gp-129	189	8	i.	i.	NOUN
gp-129	189	9	(	(	PUNCT
gp-129	189	10	2023	2023	NUM
gp-129	189	11	)	)	PUNCT
gp-129	189	12	.	.	PUNCT
gp-129	190	1	advancing	advance	VERB
gp-129	190	2	ethical	ethical	ADJ
gp-129	190	3	and	and	CCONJ
gp-129	190	4	sustainable	sustainable	ADJ
gp-129	190	5	economy	economy	NOUN
gp-129	190	6	:	:	PUNCT
gp-129	190	7	islamic	islamic	ADJ
gp-129	190	8	finance	finance	NOUN
gp-129	190	9	solutions	solution	NOUN
gp-129	190	10	for	for	ADP
gp-129	190	11	environmental	environmental	ADJ
gp-129	190	12	,	,	PUNCT
gp-129	190	13	social	social	ADJ
gp-129	190	14	,	,	PUNCT
gp-129	190	15	&	&	CCONJ
gp-129	190	16	economic	economic	ADJ
gp-129	190	17	challenges	challenge	NOUN
gp-129	190	18	in	in	ADP
gp-129	190	19	the	the	DET
gp-129	190	20	digital	digital	ADJ
gp-129	190	21	age	age	NOUN
gp-129	190	22	.	.	PUNCT
gp-129	191	1	international	international	ADJ
gp-129	191	2	journal	journal	PROPN
gp-129	191	3	,	,	PUNCT
gp-129	191	4	10(5	10(5	NUM
gp-129	191	5	)	)	PUNCT
gp-129	191	6	,	,	PUNCT
gp-129	191	7	408–429	408–429	NUM
gp-129	191	8	.	.	PUNCT
gp-129	191	9	paltrinieri	paltrinieri	PROPN
gp-129	191	10	,	,	PUNCT
gp-129	191	11	a.	a.	NOUN
gp-129	191	12	(	(	PUNCT
gp-129	191	13	2023	2023	NUM
gp-129	191	14	)	)	PUNCT
gp-129	191	15	.	.	PUNCT
gp-129	192	1	islamic	islamic	ADJ
gp-129	192	2	finance	finance	PROPN
gp-129	192	3	.	.	PUNCT
gp-129	193	1	in	in	ADP
gp-129	193	2	handbook	handbook	NOUN
gp-129	193	3	of	of	ADP
gp-129	193	4	labor	labor	NOUN
gp-129	193	5	,	,	PUNCT
gp-129	193	6	human	human	ADJ
gp-129	193	7	resources	resource	NOUN
gp-129	193	8	and	and	CCONJ
gp-129	193	9	population	population	NOUN
gp-129	193	10	economics	economic	NOUN
gp-129	193	11	(	(	PUNCT
gp-129	193	12	pp	pp	PROPN
gp-129	193	13	.	.	PUNCT
gp-129	194	1	1–16	1–16	NOUN
gp-129	194	2	)	)	PUNCT
gp-129	194	3	.	.	PUNCT
gp-129	195	1	springer	springer	NOUN
gp-129	195	2	.	.	PUNCT
gp-129	196	1	qizam	qizam	PROPN
gp-129	196	2	,	,	PUNCT
gp-129	196	3	i.	i.	PROPN
gp-129	196	4	,	,	PUNCT
gp-129	196	5	berakon	berakon	PROPN
gp-129	196	6	,	,	PUNCT
gp-129	196	7	i.	i.	PROPN
gp-129	196	8	,	,	PUNCT
gp-129	196	9	&	&	CCONJ
gp-129	196	10	ali	ali	PROPN
gp-129	196	11	,	,	PUNCT
gp-129	196	12	h.	h.	PROPN
gp-129	196	13	(	(	PUNCT
gp-129	196	14	2024	2024	NUM
gp-129	196	15	)	)	PUNCT
gp-129	196	16	.	.	PUNCT
gp-129	197	1	the	the	DET
gp-129	197	2	role	role	NOUN
gp-129	197	3	of	of	ADP
gp-129	197	4	halal	halal	NOUN
gp-129	197	5	value	value	NOUN
gp-129	197	6	chain	chain	NOUN
gp-129	197	7	,	,	PUNCT
gp-129	197	8	sharia	sharia	PROPN
gp-129	197	9	financial	financial	ADJ
gp-129	197	10	inclusion	inclusion	NOUN
gp-129	197	11	,	,	PUNCT
gp-129	197	12	and	and	CCONJ
gp-129	197	13	digital	digital	ADJ
gp-129	197	14	economy	economy	NOUN
gp-129	197	15	in	in	ADP
gp-129	197	16	socio	socio	NOUN
gp-129	197	17	-	-	PUNCT
gp-129	197	18	economic	economic	ADJ
gp-129	197	19	transformation	transformation	NOUN
gp-129	197	20	:	:	PUNCT
gp-129	197	21	a	a	DET
gp-129	197	22	study	study	NOUN
gp-129	197	23	of	of	ADP
gp-129	197	24	islamic	islamic	ADJ
gp-129	197	25	boarding	boarding	NOUN
gp-129	197	26	schools	school	NOUN
gp-129	197	27	in	in	ADP
gp-129	197	28	indonesia	indonesia	PROPN
gp-129	197	29	.	.	PROPN
gp-129	197	30	journal	journal	PROPN
gp-129	197	31	of	of	ADP
gp-129	197	32	islamic	islamic	PROPN
gp-129	197	33	marketing	marketing	NOUN
gp-129	197	34	.	.	PUNCT
gp-129	198	1	sun	sun	PROPN
gp-129	198	2	,	,	PUNCT
gp-129	198	3	y.	y.	PROPN
gp-129	198	4	,	,	PUNCT
gp-129	198	5	&	&	CCONJ
gp-129	198	6	chang	chang	PROPN
gp-129	198	7	,	,	PUNCT
gp-129	198	8	y.	y.	PROPN
gp-129	198	9	(	(	PUNCT
gp-129	198	10	2020	2020	NUM
gp-129	198	11	)	)	PUNCT
gp-129	198	12	.	.	PUNCT
gp-129	199	1	trade	trade	NOUN
gp-129	199	2	and	and	CCONJ
gp-129	199	3	poverty	poverty	NOUN
gp-129	199	4	in	in	ADP
gp-129	199	5	developing	develop	VERB
gp-129	199	6	countries	country	NOUN
gp-129	199	7	:	:	PUNCT
gp-129	199	8	beyond	beyond	ADP
gp-129	199	9	assumptions	assumption	NOUN
gp-129	199	10	to	to	ADP
gp-129	199	11	nuanced	nuanced	ADJ
gp-129	199	12	understanding	understanding	NOUN
gp-129	199	13	.	.	PUNCT
gp-129	200	1	journal	journal	NOUN
gp-129	200	2	of	of	ADP
gp-129	200	3	business	business	NOUN
gp-129	200	4	and	and	CCONJ
gp-129	200	5	economic	economic	ADJ
gp-129	200	6	options	option	NOUN
gp-129	200	7	,	,	PUNCT
gp-129	200	8	3(4	3(4	NUM
gp-129	200	9	)	)	PUNCT
gp-129	200	10	,	,	PUNCT
gp-129	200	11	167–175	167–175	NUM
gp-129	200	12	.	.	PUNCT
gp-129	201	1	thaker	thaker	PROPN
gp-129	201	2	,	,	PUNCT
gp-129	201	3	m.	m.	PROPN
gp-129	201	4	a.	a.	PROPN
gp-129	201	5	b.	b.	PROPN
gp-129	201	6	m.	m.	PROPN
gp-129	201	7	t.	t.	PROPN
gp-129	201	8	,	,	PUNCT
gp-129	201	9	thaker	thaker	PROPN
gp-129	201	10	,	,	PUNCT
gp-129	201	11	h.	h.	PROPN
gp-129	201	12	b.	b.	PROPN
gp-129	201	13	m.	m.	PROPN
gp-129	201	14	t.	t.	PROPN
gp-129	201	15	,	,	PUNCT
gp-129	201	16	pitchay	pitchay	PROPN
gp-129	201	17	,	,	PUNCT
gp-129	201	18	a.	a.	NOUN
gp-129	201	19	a.	a.	PROPN
gp-129	201	20	,	,	PUNCT
gp-129	201	21	amin	amin	PROPN
gp-129	201	22	,	,	PUNCT
gp-129	201	23	m.	m.	PROPN
gp-129	201	24	f.	f.	PROPN
gp-129	201	25	bin	bin	PROPN
gp-129	201	26	,	,	PUNCT
gp-129	201	27	&	&	CCONJ
gp-129	201	28	khaliq	khaliq	PROPN
gp-129	201	29	,	,	PUNCT
gp-129	201	30	a.	a.	NOUN
gp-129	201	31	bin	bin	PROPN
gp-129	201	32	.	.	PUNCT
gp-129	201	33	(	(	PUNCT
gp-129	201	34	2020	2020	NUM
gp-129	201	35	)	)	PUNCT
gp-129	201	36	.	.	PUNCT
gp-129	202	1	leveraging	leverage	VERB
gp-129	202	2	islamic	islamic	ADJ
gp-129	202	3	banking	banking	NOUN
gp-129	202	4	and	and	CCONJ
gp-129	202	5	finance	finance	NOUN
gp-129	202	6	for	for	ADP
gp-129	202	7	small	small	ADJ
gp-129	202	8	businesses	business	NOUN
gp-129	202	9	:	:	PUNCT
gp-129	202	10	exploring	explore	VERB
gp-129	202	11	the	the	DET
gp-129	202	12	conceptual	conceptual	ADJ
gp-129	202	13	and	and	CCONJ
gp-129	202	14	practical	practical	ADJ
gp-129	202	15	dimensions	dimension	NOUN
gp-129	202	16	.	.	PUNCT
gp-129	203	1	adbi	adbi	ADJ
gp-129	203	2	working	working	PROPN
gp-129	203	3	paper	paper	NOUN
gp-129	203	4	series	series	NOUN
gp-129	203	5	.	.	PUNCT
gp-129	204	1	ullah	ullah	PROPN
gp-129	204	2	,	,	PUNCT
gp-129	204	3	s.	s.	PROPN
gp-129	204	4	,	,	PUNCT
gp-129	204	5	harwood	harwood	NOUN
gp-129	204	6	,	,	PUNCT
gp-129	204	7	i.	i.	PROPN
gp-129	204	8	a.	a.	PROPN
gp-129	204	9	,	,	PUNCT
gp-129	204	10	&	&	CCONJ
gp-129	204	11	jamali	jamali	PROPN
gp-129	204	12	,	,	PUNCT
gp-129	204	13	d.	d.	PROPN
gp-129	204	14	(	(	PUNCT
gp-129	204	15	2018	2018	NUM
gp-129	204	16	)	)	PUNCT
gp-129	204	17	.	.	PUNCT
gp-129	205	1	‘	'	PUNCT
gp-129	205	2	fatwa	fatwa	NOUN
gp-129	205	3	repositioning	reposition	VERB
gp-129	205	4	’	'	PUNCT
gp-129	205	5	:	:	PUNCT
gp-129	205	6	the	the	DET
gp-129	205	7	hidden	hide	VERB
gp-129	205	8	struggle	struggle	NOUN
gp-129	205	9	for	for	ADP
gp-129	205	10	shari’a	shari’a	NOUN
gp-129	205	11	compliance	compliance	NOUN
gp-129	205	12	within	within	ADP
gp-129	205	13	islamic	islamic	ADJ
gp-129	205	14	financial	financial	ADJ
gp-129	205	15	institutions	institution	NOUN
gp-129	205	16	.	.	PUNCT
gp-129	206	1	journal	journal	PROPN
gp-129	206	2	of	of	ADP
gp-129	206	3	business	business	NOUN
gp-129	206	4	ethics	ethic	NOUN
gp-129	206	5	,	,	PUNCT
gp-129	206	6	149	149	NUM
gp-129	206	7	,	,	PUNCT
gp-129	206	8	895–917	895–917	NUM
gp-129	206	9	.	.	PUNCT
gp-129	207	1	utomo	utomo	PROPN
gp-129	207	2	,	,	PUNCT
gp-129	207	3	s.	s.	PROPN
gp-129	207	4	b.	b.	PROPN
gp-129	207	5	,	,	PUNCT
gp-129	207	6	sekaryuni	sekaryuni	PROPN
gp-129	207	7	,	,	PUNCT
gp-129	207	8	r.	r.	PROPN
gp-129	207	9	,	,	PUNCT
gp-129	207	10	widarjono	widarjono	PROPN
gp-129	207	11	,	,	PUNCT
gp-129	207	12	a.	a.	NOUN
gp-129	207	13	,	,	PUNCT
gp-129	207	14	tohirin	tohirin	PROPN
gp-129	207	15	,	,	PUNCT
gp-129	207	16	a.	a.	PROPN
gp-129	207	17	,	,	PUNCT
gp-129	207	18	&	&	CCONJ
gp-129	207	19	sudarsono	sudarsono	PROPN
gp-129	207	20	,	,	PUNCT
gp-129	207	21	h.	h.	PROPN
gp-129	207	22	(	(	PUNCT
gp-129	207	23	2021	2021	NUM
gp-129	207	24	)	)	PUNCT
gp-129	207	25	.	.	PUNCT
gp-129	208	1	promoting	promote	VERB
gp-129	208	2	islamic	islamic	ADJ
gp-129	208	3	financial	financial	ADJ
gp-129	208	4	ecosystem	ecosystem	NOUN
gp-129	208	5	to	to	PART
gp-129	208	6	improve	improve	VERB
gp-129	208	7	halal	halal	NOUN
gp-129	208	8	industry	industry	NOUN
gp-129	208	9	performance	performance	NOUN
gp-129	208	10	in	in	ADP
gp-129	208	11	indonesia	indonesia	PROPN
gp-129	208	12	:	:	PUNCT
gp-129	208	13	a	a	DET
gp-129	208	14	demand	demand	NOUN
gp-129	208	15	and	and	CCONJ
gp-129	208	16	supply	supply	NOUN
gp-129	208	17	analysis	analysis	NOUN
gp-129	208	18	.	.	PUNCT
gp-129	209	1	journal	journal	PROPN
gp-129	209	2	of	of	ADP
gp-129	209	3	islamic	islamic	PROPN
gp-129	209	4	marketing	marketing	NOUN
gp-129	209	5	,	,	PUNCT
gp-129	209	6	12(5	12(5	NUM
gp-129	209	7	)	)	PUNCT
gp-129	209	8	,	,	PUNCT
gp-129	209	9	992–1011	992–1011	NUM
gp-129	209	10	.	.	PUNCT
gp-129	210	1	widiarto	widiarto	PROPN
gp-129	210	2	,	,	PUNCT
gp-129	210	3	i.	i.	PROPN
gp-129	210	4	,	,	PUNCT
gp-129	210	5	&	&	CCONJ
gp-129	210	6	emrouznejad	emrouznejad	NOUN
gp-129	210	7	,	,	PUNCT
gp-129	210	8	a.	a.	NOUN
gp-129	210	9	(	(	PUNCT
gp-129	210	10	2015	2015	NUM
gp-129	210	11	)	)	PUNCT
gp-129	210	12	.	.	PUNCT
gp-129	211	1	social	social	ADJ
gp-129	211	2	and	and	CCONJ
gp-129	211	3	financial	financial	ADJ
gp-129	211	4	efficiency	efficiency	NOUN
gp-129	211	5	of	of	ADP
gp-129	211	6	islamic	islamic	ADJ
gp-129	211	7	microfinance	microfinance	NOUN
gp-129	211	8	institutions	institution	NOUN
gp-129	211	9	:	:	PUNCT
gp-129	211	10	a	a	DET
gp-129	211	11	data	datum	NOUN
gp-129	211	12	envelopment	envelopment	ADJ
gp-129	211	13	analysis	analysis	NOUN
gp-129	211	14	application	application	NOUN
gp-129	211	15	.	.	PUNCT
gp-129	212	1	socio	socio	NOUN
gp-129	212	2	-	-	PUNCT
gp-129	212	3	economic	economic	ADJ
gp-129	212	4	planning	planning	NOUN
gp-129	212	5	sciences	science	NOUN
gp-129	212	6	,	,	PUNCT
gp-129	212	7	50	50	NUM
gp-129	212	8	,	,	PUNCT
gp-129	212	9	1–17	1–17	PROPN
gp-129	212	10	.	.	PUNCT
gp-129	213	1	https://doi.org/10.1016/j.seps.2014.12.001	https://doi.org/10.1016/j.seps.2014.12.001	VERB
gp-129	213	2	american	american	ADJ
gp-129	213	3	journal	journal	NOUN
gp-129	213	4	of	of	ADP
gp-129	213	5	economic	economic	ADJ
gp-129	213	6	and	and	CCONJ
gp-129	213	7	management	management	NOUN
gp-129	213	8	business	business	NOUN
gp-129	213	9	vol	vol	NOUN
gp-129	213	10	.	.	PROPN
gp-129	213	11	3	3	NUM
gp-129	213	12	no	no	NOUN
gp-129	213	13	.	.	NOUN
gp-129	213	14	11	11	NUM
gp-129	213	15	november	november	PROPN
gp-129	213	16	2024	2024	NUM
gp-129	213	17	438	438	NUM
gp-129	213	18	copyright	copyright	NOUN
gp-129	213	19	holders	holder	NOUN
gp-129	213	20	:	:	PUNCT
gp-129	213	21	elsa	elsa	PROPN
gp-129	213	22	islammia	islammia	PROPN
gp-129	213	23	pasha	pasha	PROPN
gp-129	213	24	,	,	PUNCT
gp-129	213	25	zaki	zaki	PROPN
gp-129	213	26	ahmad	ahmad	PROPN
gp-129	213	27	(	(	PUNCT
gp-129	213	28	2025	2025	NUM
gp-129	213	29	)	)	PUNCT
gp-129	213	30	first	first	ADJ
gp-129	213	31	publication	publication	NOUN
gp-129	213	32	right	right	NOUN
gp-129	213	33	:	:	PUNCT
gp-129	213	34	ajemb	ajemb	PROPN
gp-129	213	35	–	–	PUNCT
gp-129	213	36	american	american	ADJ
gp-129	213	37	journal	journal	PROPN
gp-129	213	38	of	of	ADP
gp-129	213	39	economic	economic	ADJ
gp-129	213	40	and	and	CCONJ
gp-129	213	41	management	management	NOUN
gp-129	213	42	business	business	NOUN