id	sid	tid	token	lemma	pos
gp-143	1	1	473	473	NUM
gp-143	1	2	american	american	ADJ
gp-143	1	3	journal	journal	PROPN
gp-143	1	4	of	of	ADP
gp-143	1	5	economic	economic	ADJ
gp-143	1	6	and	and	CCONJ
gp-143	1	7	management	management	NOUN
gp-143	1	8	business	business	NOUN
gp-143	1	9	p	p	X
gp-143	1	10	-	-	PUNCT
gp-143	1	11	issn	issn	NOUN
gp-143	1	12	:	:	PUNCT
gp-143	1	13	xxxx	xxxx	ADJ
gp-143	1	14	-	-	PUNCT
gp-143	1	15	xxxx	xxxx	ADJ
gp-143	1	16	e	e	NOUN
gp-143	1	17	-	-	NOUN
gp-143	1	18	issn	issn	ADJ
gp-143	1	19	:	:	PUNCT
gp-143	1	20	2835	2835	NUM
gp-143	1	21	-	-	SYM
gp-143	1	22	5199	5199	NUM
gp-143	1	23	vol	vol	NOUN
gp-143	1	24	.	.	NOUN
gp-143	1	25	3	3	NUM
gp-143	1	26	no	no	NOUN
gp-143	1	27	.	.	PROPN
gp-143	2	1	12	12	NUM
gp-143	2	2	december	december	PROPN
gp-143	2	3	2024	2024	NUM
gp-143	2	4	the	the	DET
gp-143	2	5	effectiveness	effectiveness	NOUN
gp-143	2	6	of	of	ADP
gp-143	2	7	fintech	fintech	NOUN
gp-143	2	8	in	in	ADP
gp-143	2	9	sme	sme	PROPN
gp-143	2	10	financial	financial	ADJ
gp-143	2	11	management	management	NOUN
gp-143	2	12	:	:	PUNCT
gp-143	2	13	a	a	DET
gp-143	2	14	systematic	systematic	ADJ
gp-143	2	15	literature	literature	NOUN
gp-143	2	16	review	review	NOUN
gp-143	2	17	husnayetti1	husnayetti1	NOUN
gp-143	2	18	*	*	NOUN
gp-143	2	19	,	,	PUNCT
gp-143	2	20	tri	tri	PROPN
gp-143	2	21	budi	budi	PROPN
gp-143	2	22	astuti2	astuti2	PROPN
gp-143	2	23	,	,	PUNCT
gp-143	2	24	junarti3	junarti3	PROPN
gp-143	2	25	1,2institut	1,2institut	NUM
gp-143	2	26	teknologi	teknologi	PROPN
gp-143	2	27	dan	dan	PROPN
gp-143	2	28	bisnis	bisnis	PROPN
gp-143	2	29	ahmad	ahmad	PROPN
gp-143	2	30	dahlan	dahlan	PROPN
gp-143	2	31	,	,	PUNCT
gp-143	2	32	indonesia	indonesia	PROPN
gp-143	2	33	3international	3international	PROPN
gp-143	2	34	islamic	islamic	PROPN
gp-143	2	35	university	university	PROPN
gp-143	2	36	malaysia	malaysia	PROPN
gp-143	2	37	emails	email	NOUN
gp-143	2	38	:	:	PUNCT
gp-143	2	39	yetti_pipit99@yahoo.co.id	yetti_pipit99@yahoo.co.id	PROPN
gp-143	2	40	,	,	PUNCT
gp-143	2	41	tbastuti1967@gmail.com	tbastuti1967@gmail.com	X
gp-143	2	42	,	,	PUNCT
gp-143	2	43	junarti92@gmail.com	junarti92@gmail.com	PROPN
gp-143	3	1	abstract	abstract	ADV
gp-143	3	2	this	this	DET
gp-143	3	3	study	study	NOUN
gp-143	3	4	aims	aim	VERB
gp-143	3	5	to	to	PART
gp-143	3	6	systematically	systematically	ADV
gp-143	3	7	review	review	VERB
gp-143	3	8	the	the	DET
gp-143	3	9	effectiveness	effectiveness	NOUN
gp-143	3	10	of	of	ADP
gp-143	3	11	financial	financial	ADJ
gp-143	3	12	technology	technology	NOUN
gp-143	3	13	(	(	PUNCT
gp-143	3	14	fintech	fintech	NOUN
gp-143	3	15	)	)	PUNCT
gp-143	3	16	in	in	ADP
gp-143	3	17	the	the	DET
gp-143	3	18	financial	financial	ADJ
gp-143	3	19	management	management	NOUN
gp-143	3	20	of	of	ADP
gp-143	3	21	small	small	ADJ
gp-143	3	22	and	and	CCONJ
gp-143	3	23	medium	medium	ADJ
gp-143	3	24	enterprises	enterprise	NOUN
gp-143	3	25	(	(	PUNCT
gp-143	3	26	smes	sme	NOUN
gp-143	3	27	)	)	PUNCT
gp-143	3	28	.	.	PUNCT
gp-143	4	1	smes	sme	NOUN
gp-143	4	2	are	be	AUX
gp-143	4	3	a	a	DET
gp-143	4	4	vital	vital	ADJ
gp-143	4	5	sector	sector	NOUN
gp-143	4	6	in	in	ADP
gp-143	4	7	the	the	DET
gp-143	4	8	indonesian	indonesian	ADJ
gp-143	4	9	economy	economy	NOUN
gp-143	4	10	,	,	PUNCT
gp-143	4	11	but	but	CCONJ
gp-143	4	12	they	they	PRON
gp-143	4	13	often	often	ADV
gp-143	4	14	face	face	VERB
gp-143	4	15	challenges	challenge	NOUN
gp-143	4	16	in	in	ADP
gp-143	4	17	financial	financial	ADJ
gp-143	4	18	management	management	NOUN
gp-143	4	19	and	and	CCONJ
gp-143	4	20	access	access	NOUN
gp-143	4	21	to	to	ADP
gp-143	4	22	formal	formal	ADJ
gp-143	4	23	financing	financing	NOUN
gp-143	4	24	.	.	PUNCT
gp-143	5	1	the	the	DET
gp-143	5	2	development	development	NOUN
gp-143	5	3	of	of	ADP
gp-143	5	4	fintech	fintech	NOUN
gp-143	5	5	has	have	AUX
gp-143	5	6	offered	offer	VERB
gp-143	5	7	innovative	innovative	ADJ
gp-143	5	8	solutions	solution	NOUN
gp-143	5	9	to	to	PART
gp-143	5	10	overcome	overcome	VERB
gp-143	5	11	these	these	DET
gp-143	5	12	barriers	barrier	NOUN
gp-143	5	13	through	through	ADP
gp-143	5	14	services	service	NOUN
gp-143	5	15	such	such	ADJ
gp-143	5	16	as	as	ADP
gp-143	5	17	peer	peer	NOUN
gp-143	5	18	-	-	PUNCT
gp-143	5	19	to	to	ADP
gp-143	5	20	-	-	PUNCT
gp-143	5	21	peer	peer	NOUN
gp-143	5	22	lending	lending	NOUN
gp-143	5	23	,	,	PUNCT
gp-143	5	24	digital	digital	ADJ
gp-143	5	25	wallets	wallet	NOUN
gp-143	5	26	,	,	PUNCT
gp-143	5	27	and	and	CCONJ
gp-143	5	28	financial	financial	ADJ
gp-143	5	29	management	management	NOUN
gp-143	5	30	applications	application	NOUN
gp-143	5	31	that	that	PRON
gp-143	5	32	can	can	AUX
gp-143	5	33	improve	improve	VERB
gp-143	5	34	smes	sme	NOUN
gp-143	5	35	'	'	PART
gp-143	5	36	access	access	NOUN
gp-143	5	37	to	to	ADP
gp-143	5	38	capital	capital	NOUN
gp-143	5	39	and	and	CCONJ
gp-143	5	40	business	business	NOUN
gp-143	5	41	efficiency	efficiency	NOUN
gp-143	5	42	.	.	PUNCT
gp-143	6	1	this	this	DET
gp-143	6	2	study	study	NOUN
gp-143	6	3	employs	employ	VERB
gp-143	6	4	a	a	DET
gp-143	6	5	systematic	systematic	ADJ
gp-143	6	6	literature	literature	NOUN
gp-143	6	7	review	review	NOUN
gp-143	6	8	methodology	methodology	NOUN
gp-143	6	9	.	.	PUNCT
gp-143	7	1	relevant	relevant	ADJ
gp-143	7	2	literature	literature	NOUN
gp-143	7	3	was	be	AUX
gp-143	7	4	collected	collect	VERB
gp-143	7	5	and	and	CCONJ
gp-143	7	6	analyzed	analyze	VERB
gp-143	7	7	using	use	VERB
gp-143	7	8	the	the	DET
gp-143	7	9	publish	publish	NOUN
gp-143	7	10	or	or	CCONJ
gp-143	7	11	perish	perish	ADJ
gp-143	7	12	tool	tool	NOUN
gp-143	7	13	to	to	PART
gp-143	7	14	extract	extract	VERB
gp-143	7	15	bibliometric	bibliometric	ADJ
gp-143	7	16	data	datum	NOUN
gp-143	7	17	and	and	CCONJ
gp-143	7	18	the	the	DET
gp-143	7	19	vos	vos	NOUN
gp-143	7	20	viewer	viewer	NOUN
gp-143	7	21	for	for	ADP
gp-143	7	22	visualization	visualization	NOUN
gp-143	7	23	and	and	CCONJ
gp-143	7	24	clustering	cluster	VERB
gp-143	7	25	analysis	analysis	NOUN
gp-143	7	26	.	.	PUNCT
gp-143	8	1	the	the	DET
gp-143	8	2	selected	select	VERB
gp-143	8	3	studies	study	NOUN
gp-143	8	4	focus	focus	VERB
gp-143	8	5	on	on	ADP
gp-143	8	6	the	the	DET
gp-143	8	7	relationship	relationship	NOUN
gp-143	8	8	between	between	ADP
gp-143	8	9	fintech	fintech	NOUN
gp-143	8	10	services	service	NOUN
gp-143	8	11	and	and	CCONJ
gp-143	8	12	financial	financial	ADJ
gp-143	8	13	performance	performance	NOUN
gp-143	8	14	indicators	indicator	NOUN
gp-143	8	15	of	of	ADP
gp-143	8	16	smes	sme	NOUN
gp-143	8	17	,	,	PUNCT
gp-143	8	18	including	include	VERB
gp-143	8	19	financial	financial	ADJ
gp-143	8	20	literacy	literacy	NOUN
gp-143	8	21	,	,	PUNCT
gp-143	8	22	financial	financial	ADJ
gp-143	8	23	inclusion	inclusion	NOUN
gp-143	8	24	,	,	PUNCT
gp-143	8	25	and	and	CCONJ
gp-143	8	26	financial	financial	ADJ
gp-143	8	27	management	management	NOUN
gp-143	8	28	.	.	PUNCT
gp-143	9	1	the	the	DET
gp-143	9	2	results	result	NOUN
gp-143	9	3	demonstrate	demonstrate	VERB
gp-143	9	4	that	that	SCONJ
gp-143	9	5	fintech	fintech	NOUN
gp-143	9	6	contributes	contribute	VERB
gp-143	9	7	to	to	ADP
gp-143	9	8	improving	improve	VERB
gp-143	9	9	financial	financial	ADJ
gp-143	9	10	transparency	transparency	NOUN
gp-143	9	11	and	and	CCONJ
gp-143	9	12	facilitates	facilitate	VERB
gp-143	9	13	more	more	ADV
gp-143	9	14	accessible	accessible	ADJ
gp-143	9	15	access	access	NOUN
gp-143	9	16	to	to	ADP
gp-143	9	17	financing	financing	NOUN
gp-143	9	18	for	for	ADP
gp-143	9	19	smes	sme	NOUN
gp-143	9	20	.	.	PUNCT
gp-143	10	1	however	however	ADV
gp-143	10	2	,	,	PUNCT
gp-143	10	3	the	the	DET
gp-143	10	4	success	success	NOUN
gp-143	10	5	of	of	ADP
gp-143	10	6	fintech	fintech	NOUN
gp-143	10	7	adoption	adoption	NOUN
gp-143	10	8	heavily	heavily	ADV
gp-143	10	9	depends	depend	VERB
gp-143	10	10	on	on	ADP
gp-143	10	11	the	the	DET
gp-143	10	12	levels	level	NOUN
gp-143	10	13	of	of	ADP
gp-143	10	14	digital	digital	ADJ
gp-143	10	15	literacy	literacy	NOUN
gp-143	10	16	and	and	CCONJ
gp-143	10	17	user	user	NOUN
gp-143	10	18	trust	trust	NOUN
gp-143	10	19	among	among	ADP
gp-143	10	20	sme	sme	PROPN
gp-143	10	21	operators	operator	NOUN
gp-143	10	22	.	.	PUNCT
gp-143	11	1	the	the	DET
gp-143	11	2	findings	finding	NOUN
gp-143	11	3	highlight	highlight	VERB
gp-143	11	4	the	the	DET
gp-143	11	5	importance	importance	NOUN
gp-143	11	6	of	of	ADP
gp-143	11	7	enhancing	enhance	VERB
gp-143	11	8	digital	digital	ADJ
gp-143	11	9	literacy	literacy	NOUN
gp-143	11	10	and	and	CCONJ
gp-143	11	11	fostering	foster	VERB
gp-143	11	12	user	user	NOUN
gp-143	11	13	trust	trust	NOUN
gp-143	11	14	as	as	ADP
gp-143	11	15	critical	critical	ADJ
gp-143	11	16	enablers	enabler	NOUN
gp-143	11	17	of	of	ADP
gp-143	11	18	fintech	fintech	NOUN
gp-143	11	19	adoption	adoption	NOUN
gp-143	11	20	.	.	PUNCT
gp-143	12	1	the	the	DET
gp-143	12	2	study	study	NOUN
gp-143	12	3	has	have	VERB
gp-143	12	4	significant	significant	ADJ
gp-143	12	5	implications	implication	NOUN
gp-143	12	6	for	for	ADP
gp-143	12	7	policymakers	policymaker	NOUN
gp-143	12	8	and	and	CCONJ
gp-143	12	9	practitioners	practitioner	NOUN
gp-143	12	10	.	.	PUNCT
gp-143	13	1	there	there	PRON
gp-143	13	2	is	be	VERB
gp-143	13	3	a	a	DET
gp-143	13	4	need	need	NOUN
gp-143	13	5	for	for	SCONJ
gp-143	13	6	educational	educational	ADJ
gp-143	13	7	programs	program	NOUN
gp-143	13	8	to	to	PART
gp-143	13	9	improve	improve	VERB
gp-143	13	10	financial	financial	ADJ
gp-143	13	11	and	and	CCONJ
gp-143	13	12	digital	digital	ADJ
gp-143	13	13	literacy	literacy	NOUN
gp-143	13	14	among	among	ADP
gp-143	13	15	smes	sme	NOUN
gp-143	13	16	to	to	PART
gp-143	13	17	maximize	maximize	VERB
gp-143	13	18	fintech	fintech	NOUN
gp-143	13	19	utilization	utilization	NOUN
gp-143	13	20	.	.	PUNCT
gp-143	14	1	keywords	keyword	NOUN
gp-143	14	2	:	:	PUNCT
gp-143	14	3	fintech	fintech	NOUN
gp-143	14	4	,	,	PUNCT
gp-143	14	5	smes	sme	NOUN
gp-143	14	6	,	,	PUNCT
gp-143	14	7	financial	financial	ADJ
gp-143	14	8	management	management	NOUN
gp-143	14	9	,	,	PUNCT
gp-143	14	10	financial	financial	ADJ
gp-143	14	11	literacy	literacy	NOUN
gp-143	14	12	,	,	PUNCT
gp-143	14	13	financial	financial	ADJ
gp-143	14	14	inclusion	inclusion	NOUN
gp-143	14	15	,	,	PUNCT
gp-143	14	16	systematic	systematic	ADJ
gp-143	14	17	review	review	NOUN
gp-143	14	18	.	.	PUNCT
gp-143	15	1	introduction	introduction	NOUN
gp-143	15	2	small	small	ADJ
gp-143	15	3	and	and	CCONJ
gp-143	15	4	medium	medium	ADJ
gp-143	15	5	enterprises	enterprise	NOUN
gp-143	15	6	(	(	PUNCT
gp-143	15	7	smes	sme	NOUN
gp-143	15	8	)	)	PUNCT
gp-143	15	9	are	be	AUX
gp-143	15	10	one	one	NUM
gp-143	15	11	of	of	ADP
gp-143	15	12	the	the	DET
gp-143	15	13	main	main	ADJ
gp-143	15	14	pillars	pillar	NOUN
gp-143	15	15	of	of	ADP
gp-143	15	16	the	the	DET
gp-143	15	17	indonesian	indonesian	ADJ
gp-143	15	18	economy	economy	NOUN
gp-143	15	19	,	,	PUNCT
gp-143	15	20	significantly	significantly	ADV
gp-143	15	21	contributing	contribute	VERB
gp-143	15	22	to	to	ADP
gp-143	15	23	national	national	ADJ
gp-143	15	24	economic	economic	ADJ
gp-143	15	25	growth	growth	NOUN
gp-143	15	26	.	.	PUNCT
gp-143	16	1	based	base	VERB
gp-143	16	2	on	on	ADP
gp-143	16	3	data	datum	NOUN
gp-143	16	4	from	from	ADP
gp-143	16	5	the	the	DET
gp-143	16	6	ministry	ministry	PROPN
gp-143	16	7	of	of	ADP
gp-143	16	8	cooperatives	cooperative	NOUN
gp-143	16	9	and	and	CCONJ
gp-143	16	10	smes	sme	NOUN
gp-143	16	11	,	,	PUNCT
gp-143	16	12	as	as	ADP
gp-143	16	13	of	of	ADP
gp-143	16	14	2022	2022	NUM
gp-143	16	15	,	,	PUNCT
gp-143	16	16	smes	sme	NOUN
gp-143	16	17	in	in	ADP
gp-143	16	18	indonesia	indonesia	PROPN
gp-143	16	19	accounted	account	VERB
gp-143	16	20	for	for	ADP
gp-143	16	21	approximately	approximately	ADV
gp-143	16	22	61.07	61.07	NUM
gp-143	16	23	%	%	NOUN
gp-143	16	24	of	of	ADP
gp-143	16	25	the	the	DET
gp-143	16	26	gross	gross	ADJ
gp-143	16	27	domestic	domestic	ADJ
gp-143	16	28	product	product	NOUN
gp-143	16	29	(	(	PUNCT
gp-143	16	30	gdp	gdp	NOUN
gp-143	16	31	)	)	PUNCT
gp-143	16	32	and	and	CCONJ
gp-143	16	33	absorbed	absorb	VERB
gp-143	16	34	around	around	ADV
gp-143	16	35	97	97	NUM
gp-143	16	36	%	%	NOUN
gp-143	16	37	of	of	ADP
gp-143	16	38	the	the	DET
gp-143	16	39	total	total	ADJ
gp-143	16	40	national	national	PROPN
gp-143	16	41	workforce	workforce	PROPN
gp-143	16	42	,	,	PUNCT
gp-143	16	43	making	make	VERB
gp-143	16	44	them	they	PRON
gp-143	16	45	essential	essential	ADJ
gp-143	16	46	drivers	driver	NOUN
gp-143	16	47	of	of	ADP
gp-143	16	48	job	job	NOUN
gp-143	16	49	creation	creation	NOUN
gp-143	16	50	and	and	CCONJ
gp-143	16	51	poverty	poverty	NOUN
gp-143	16	52	alleviation	alleviation	NOUN
gp-143	16	53	(	(	PUNCT
gp-143	16	54	murti	murti	PROPN
gp-143	16	55	et	et	PROPN
gp-143	16	56	al	al	PROPN
gp-143	16	57	.	.	PROPN
gp-143	16	58	,	,	PUNCT
gp-143	16	59	2022	2022	NUM
gp-143	16	60	)	)	PUNCT
gp-143	16	61	.	.	PUNCT
gp-143	17	1	moreover	moreover	ADV
gp-143	17	2	,	,	PUNCT
gp-143	17	3	smes	sme	NOUN
gp-143	17	4	play	play	VERB
gp-143	17	5	a	a	DET
gp-143	17	6	pivotal	pivotal	ADJ
gp-143	17	7	role	role	NOUN
gp-143	17	8	in	in	ADP
gp-143	17	9	enhancing	enhance	VERB
gp-143	17	10	the	the	DET
gp-143	17	11	competitiveness	competitiveness	NOUN
gp-143	17	12	of	of	ADP
gp-143	17	13	the	the	DET
gp-143	17	14	national	national	ADJ
gp-143	17	15	economy	economy	NOUN
gp-143	17	16	american	american	PROPN
gp-143	17	17	journal	journal	PROPN
gp-143	17	18	of	of	ADP
gp-143	17	19	economic	economic	ADJ
gp-143	17	20	and	and	CCONJ
gp-143	17	21	management	management	NOUN
gp-143	17	22	business	business	NOUN
gp-143	17	23	vol	vol	NOUN
gp-143	17	24	.	.	PROPN
gp-143	18	1	3	3	NUM
gp-143	19	1	no	no	NOUN
gp-143	19	2	.	.	PROPN
gp-143	20	1	12	12	NUM
gp-143	20	2	december	december	PROPN
gp-143	20	3	2024	2024	NUM
gp-143	20	4	474	474	NUM
gp-143	20	5	through	through	ADP
gp-143	20	6	product	product	NOUN
gp-143	20	7	and	and	CCONJ
gp-143	20	8	service	service	NOUN
gp-143	20	9	innovations	innovation	NOUN
gp-143	20	10	that	that	PRON
gp-143	20	11	cater	cater	VERB
gp-143	20	12	to	to	PART
gp-143	20	13	diverse	diverse	ADJ
gp-143	20	14	community	community	NOUN
gp-143	20	15	needs	need	VERB
gp-143	20	16	across	across	ADP
gp-143	20	17	various	various	ADJ
gp-143	20	18	sectors	sector	NOUN
gp-143	20	19	(	(	PUNCT
gp-143	20	20	pratiwi	pratiwi	NOUN
gp-143	20	21	et	et	PROPN
gp-143	20	22	al	al	PROPN
gp-143	20	23	.	.	PROPN
gp-143	20	24	,	,	PUNCT
gp-143	20	25	2023	2023	NUM
gp-143	20	26	)	)	PUNCT
gp-143	20	27	.despite	.despite	NOUN
gp-143	21	1	their	their	PRON
gp-143	21	2	significant	significant	ADJ
gp-143	21	3	contributions	contribution	NOUN
gp-143	21	4	,	,	PUNCT
gp-143	21	5	smes	sme	NOUN
gp-143	21	6	face	face	VERB
gp-143	21	7	persistent	persistent	ADJ
gp-143	21	8	challenges	challenge	NOUN
gp-143	21	9	in	in	ADP
gp-143	21	10	financial	financial	ADJ
gp-143	21	11	management	management	NOUN
gp-143	21	12	,	,	PUNCT
gp-143	21	13	which	which	PRON
gp-143	21	14	impede	impede	VERB
gp-143	21	15	their	their	PRON
gp-143	21	16	sustainability	sustainability	NOUN
gp-143	21	17	and	and	CCONJ
gp-143	21	18	growth	growth	NOUN
gp-143	21	19	.	.	PUNCT
gp-143	22	1	one	one	NUM
gp-143	22	2	of	of	ADP
gp-143	22	3	the	the	DET
gp-143	22	4	most	most	ADV
gp-143	22	5	critical	critical	ADJ
gp-143	22	6	issues	issue	NOUN
gp-143	22	7	is	be	AUX
gp-143	22	8	limited	limited	ADJ
gp-143	22	9	access	access	NOUN
gp-143	22	10	to	to	ADP
gp-143	22	11	formal	formal	ADJ
gp-143	22	12	financing	financing	NOUN
gp-143	22	13	(	(	PUNCT
gp-143	22	14	aritonang	aritonang	PROPN
gp-143	22	15	et	et	PROPN
gp-143	22	16	al	al	PROPN
gp-143	22	17	.	.	PROPN
gp-143	22	18	,	,	PUNCT
gp-143	22	19	2023	2023	NUM
gp-143	22	20	)	)	PUNCT
gp-143	22	21	.	.	PUNCT
gp-143	23	1	according	accord	VERB
gp-143	23	2	to	to	ADP
gp-143	23	3	data	datum	NOUN
gp-143	23	4	from	from	ADP
gp-143	23	5	the	the	DET
gp-143	23	6	financial	financial	ADJ
gp-143	23	7	services	service	NOUN
gp-143	23	8	authority	authority	NOUN
gp-143	23	9	(	(	PUNCT
gp-143	23	10	ojk	ojk	NOUN
gp-143	23	11	)	)	PUNCT
gp-143	23	12	,	,	PUNCT
gp-143	23	13	in	in	ADP
gp-143	23	14	2022	2022	NUM
gp-143	23	15	,	,	PUNCT
gp-143	23	16	only	only	ADV
gp-143	23	17	around	around	ADV
gp-143	23	18	12.2	12.2	NUM
gp-143	23	19	million	million	NUM
gp-143	23	20	smes	sme	NOUN
gp-143	23	21	had	have	VERB
gp-143	23	22	access	access	NOUN
gp-143	23	23	to	to	ADP
gp-143	23	24	funding	funding	NOUN
gp-143	23	25	from	from	ADP
gp-143	23	26	formal	formal	ADJ
gp-143	23	27	financial	financial	ADJ
gp-143	23	28	institutions	institution	NOUN
gp-143	23	29	out	out	ADP
gp-143	23	30	of	of	ADP
gp-143	23	31	a	a	DET
gp-143	23	32	total	total	NOUN
gp-143	23	33	of	of	ADP
gp-143	23	34	64.2	64.2	NUM
gp-143	23	35	million	million	NUM
gp-143	23	36	smes	sme	NOUN
gp-143	23	37	operating	operate	VERB
gp-143	23	38	in	in	ADP
gp-143	23	39	indonesia	indonesia	PROPN
gp-143	23	40	(	(	PUNCT
gp-143	23	41	murti	murti	PROPN
gp-143	23	42	et	et	PROPN
gp-143	23	43	al	al	PROPN
gp-143	23	44	.	.	PROPN
gp-143	23	45	,	,	PUNCT
gp-143	23	46	2022	2022	NUM
gp-143	23	47	)	)	PUNCT
gp-143	23	48	.	.	PUNCT
gp-143	24	1	additionally	additionally	ADV
gp-143	24	2	,	,	PUNCT
gp-143	24	3	smes	sme	NOUN
gp-143	24	4	struggle	struggle	VERB
gp-143	24	5	with	with	ADP
gp-143	24	6	cash	cash	NOUN
gp-143	24	7	flow	flow	NOUN
gp-143	24	8	management	management	NOUN
gp-143	24	9	,	,	PUNCT
gp-143	24	10	debt	debt	NOUN
gp-143	24	11	handling	handling	NOUN
gp-143	24	12	,	,	PUNCT
gp-143	24	13	and	and	CCONJ
gp-143	24	14	inadequate	inadequate	ADJ
gp-143	24	15	financial	financial	ADJ
gp-143	24	16	reporting	reporting	NOUN
gp-143	24	17	capabilities	capability	NOUN
gp-143	24	18	(	(	PUNCT
gp-143	24	19	aritonang	aritonang	PROPN
gp-143	24	20	et	et	PROPN
gp-143	24	21	al	al	PROPN
gp-143	24	22	.	.	PROPN
gp-143	24	23	,	,	PUNCT
gp-143	24	24	2023	2023	NUM
gp-143	24	25	)	)	PUNCT
gp-143	24	26	.	.	PUNCT
gp-143	25	1	these	these	DET
gp-143	25	2	challenges	challenge	NOUN
gp-143	25	3	are	be	AUX
gp-143	25	4	often	often	ADV
gp-143	25	5	attributed	attribute	VERB
gp-143	25	6	to	to	ADP
gp-143	25	7	limited	limited	ADJ
gp-143	25	8	knowledge	knowledge	NOUN
gp-143	25	9	and	and	CCONJ
gp-143	25	10	access	access	NOUN
gp-143	25	11	to	to	ADP
gp-143	25	12	financial	financial	ADJ
gp-143	25	13	technology	technology	NOUN
gp-143	25	14	(	(	PUNCT
gp-143	25	15	kurniawati	kurniawati	NOUN
gp-143	25	16	et	et	PROPN
gp-143	25	17	al	al	PROPN
gp-143	25	18	.	.	PROPN
gp-143	25	19	,	,	PUNCT
gp-143	25	20	2021	2021	NUM
gp-143	25	21	)	)	PUNCT
gp-143	25	22	,	,	PUNCT
gp-143	25	23	leaving	leave	VERB
gp-143	25	24	smes	sme	NOUN
gp-143	25	25	vulnerable	vulnerable	ADJ
gp-143	25	26	to	to	ADP
gp-143	25	27	stagnation	stagnation	NOUN
gp-143	25	28	or	or	CCONJ
gp-143	25	29	business	business	NOUN
gp-143	25	30	failure	failure	NOUN
gp-143	25	31	.	.	PUNCT
gp-143	26	1	in	in	ADP
gp-143	26	2	recent	recent	ADJ
gp-143	26	3	years	year	NOUN
gp-143	26	4	,	,	PUNCT
gp-143	26	5	financial	financial	ADJ
gp-143	26	6	technology	technology	NOUN
gp-143	26	7	(	(	PUNCT
gp-143	26	8	fintech	fintech	NOUN
gp-143	26	9	)	)	PUNCT
gp-143	26	10	has	have	AUX
gp-143	26	11	emerged	emerge	VERB
gp-143	26	12	as	as	ADP
gp-143	26	13	a	a	DET
gp-143	26	14	promising	promising	ADJ
gp-143	26	15	solution	solution	NOUN
gp-143	26	16	to	to	PART
gp-143	26	17	address	address	VERB
gp-143	26	18	these	these	DET
gp-143	26	19	issues	issue	NOUN
gp-143	26	20	.	.	PUNCT
gp-143	27	1	fintech	fintech	NOUN
gp-143	27	2	encompasses	encompass	VERB
gp-143	27	3	a	a	DET
gp-143	27	4	wide	wide	ADJ
gp-143	27	5	range	range	NOUN
gp-143	27	6	of	of	ADP
gp-143	27	7	technology	technology	NOUN
gp-143	27	8	-	-	PUNCT
gp-143	27	9	driven	drive	VERB
gp-143	27	10	financial	financial	ADJ
gp-143	27	11	services	service	NOUN
gp-143	27	12	designed	design	VERB
gp-143	27	13	to	to	PART
gp-143	27	14	improve	improve	VERB
gp-143	27	15	access	access	NOUN
gp-143	27	16	to	to	ADP
gp-143	27	17	financing	financing	NOUN
gp-143	27	18	,	,	PUNCT
gp-143	27	19	streamline	streamline	VERB
gp-143	27	20	financial	financial	ADJ
gp-143	27	21	management	management	NOUN
gp-143	27	22	,	,	PUNCT
gp-143	27	23	and	and	CCONJ
gp-143	27	24	enhance	enhance	VERB
gp-143	27	25	business	business	NOUN
gp-143	27	26	efficiency	efficiency	NOUN
gp-143	27	27	(	(	PUNCT
gp-143	27	28	kurniawati	kurniawati	NOUN
gp-143	27	29	et	et	PROPN
gp-143	27	30	al	al	PROPN
gp-143	27	31	.	.	PROPN
gp-143	27	32	,	,	PUNCT
gp-143	27	33	2021	2021	NUM
gp-143	27	34	)	)	PUNCT
gp-143	27	35	.	.	PUNCT
gp-143	28	1	the	the	DET
gp-143	28	2	fintech	fintech	NOUN
gp-143	28	3	industry	industry	NOUN
gp-143	28	4	in	in	ADP
gp-143	28	5	indonesia	indonesia	PROPN
gp-143	28	6	has	have	AUX
gp-143	28	7	experienced	experience	VERB
gp-143	28	8	remarkable	remarkable	ADJ
gp-143	28	9	growth	growth	NOUN
gp-143	28	10	,	,	PUNCT
gp-143	28	11	with	with	ADP
gp-143	28	12	a	a	DET
gp-143	28	13	transaction	transaction	NOUN
gp-143	28	14	value	value	NOUN
gp-143	28	15	of	of	ADP
gp-143	28	16	idr	idr	PROPN
gp-143	28	17	396.65	396.65	NUM
gp-143	28	18	trillion	trillion	NUM
gp-143	28	19	in	in	ADP
gp-143	28	20	2022	2022	NUM
gp-143	28	21	,	,	PUNCT
gp-143	28	22	marking	mark	VERB
gp-143	28	23	a	a	DET
gp-143	28	24	significant	significant	ADJ
gp-143	28	25	increase	increase	NOUN
gp-143	28	26	from	from	ADP
gp-143	28	27	previous	previous	ADJ
gp-143	28	28	years	year	NOUN
gp-143	28	29	(	(	PUNCT
gp-143	28	30	financial	financial	ADJ
gp-143	28	31	services	service	NOUN
gp-143	28	32	authority	authority	NOUN
gp-143	28	33	,	,	PUNCT
gp-143	28	34	2024	2024	NUM
gp-143	28	35	)	)	PUNCT
gp-143	28	36	.	.	PUNCT
gp-143	29	1	fintech	fintech	NOUN
gp-143	29	2	services	service	NOUN
gp-143	29	3	such	such	ADJ
gp-143	29	4	as	as	ADP
gp-143	29	5	peer	peer	NOUN
gp-143	29	6	-	-	PUNCT
gp-143	29	7	to	to	ADP
gp-143	29	8	-	-	PUNCT
gp-143	29	9	peer	peer	NOUN
gp-143	29	10	(	(	PUNCT
gp-143	29	11	p2p	p2p	NOUN
gp-143	29	12	)	)	PUNCT
gp-143	29	13	lending	lending	NOUN
gp-143	29	14	,	,	PUNCT
gp-143	29	15	digital	digital	ADJ
gp-143	29	16	wallets	wallet	NOUN
gp-143	29	17	,	,	PUNCT
gp-143	29	18	and	and	CCONJ
gp-143	29	19	financial	financial	ADJ
gp-143	29	20	management	management	NOUN
gp-143	29	21	applications	application	NOUN
gp-143	29	22	provide	provide	VERB
gp-143	29	23	smes	sme	NOUN
gp-143	29	24	with	with	ADP
gp-143	29	25	tools	tool	NOUN
gp-143	29	26	to	to	PART
gp-143	29	27	access	access	VERB
gp-143	29	28	capital	capital	NOUN
gp-143	29	29	,	,	PUNCT
gp-143	29	30	manage	manage	VERB
gp-143	29	31	finances	finance	NOUN
gp-143	29	32	effectively	effectively	ADV
gp-143	29	33	,	,	PUNCT
gp-143	29	34	and	and	CCONJ
gp-143	29	35	monitor	monitor	VERB
gp-143	29	36	business	business	NOUN
gp-143	29	37	performance	performance	NOUN
gp-143	29	38	in	in	ADP
gp-143	29	39	real	real	ADJ
gp-143	29	40	time	time	NOUN
gp-143	29	41	.	.	PUNCT
gp-143	30	1	however	however	ADV
gp-143	30	2	,	,	PUNCT
gp-143	30	3	despite	despite	SCONJ
gp-143	30	4	its	its	PRON
gp-143	30	5	potential	potential	NOUN
gp-143	30	6	,	,	PUNCT
gp-143	30	7	the	the	DET
gp-143	30	8	adoption	adoption	NOUN
gp-143	30	9	of	of	ADP
gp-143	30	10	fintech	fintech	NOUN
gp-143	30	11	by	by	ADP
gp-143	30	12	smes	sme	NOUN
gp-143	30	13	remains	remain	VERB
gp-143	30	14	limited	limited	ADJ
gp-143	30	15	,	,	PUNCT
gp-143	30	16	highlighting	highlight	VERB
gp-143	30	17	the	the	DET
gp-143	30	18	urgency	urgency	NOUN
gp-143	30	19	of	of	ADP
gp-143	30	20	research	research	NOUN
gp-143	30	21	to	to	PART
gp-143	30	22	explore	explore	VERB
gp-143	30	23	its	its	PRON
gp-143	30	24	effectiveness	effectiveness	NOUN
gp-143	30	25	.	.	PUNCT
gp-143	31	1	this	this	DET
gp-143	31	2	study	study	NOUN
gp-143	31	3	seeks	seek	VERB
gp-143	31	4	to	to	PART
gp-143	31	5	address	address	VERB
gp-143	31	6	this	this	DET
gp-143	31	7	gap	gap	NOUN
gp-143	31	8	by	by	ADP
gp-143	31	9	systematically	systematically	ADV
gp-143	31	10	reviewing	review	VERB
gp-143	31	11	the	the	DET
gp-143	31	12	impact	impact	NOUN
gp-143	31	13	of	of	ADP
gp-143	31	14	fintech	fintech	NOUN
gp-143	31	15	on	on	ADP
gp-143	31	16	the	the	DET
gp-143	31	17	financial	financial	ADJ
gp-143	31	18	management	management	NOUN
gp-143	31	19	,	,	PUNCT
gp-143	31	20	operational	operational	ADJ
gp-143	31	21	efficiency	efficiency	NOUN
gp-143	31	22	,	,	PUNCT
gp-143	31	23	and	and	CCONJ
gp-143	31	24	business	business	NOUN
gp-143	31	25	growth	growth	NOUN
gp-143	31	26	of	of	ADP
gp-143	31	27	smes	sme	NOUN
gp-143	31	28	in	in	ADP
gp-143	31	29	indonesia	indonesia	PROPN
gp-143	31	30	.	.	PUNCT
gp-143	32	1	by	by	ADP
gp-143	32	2	analyzing	analyze	VERB
gp-143	32	3	various	various	ADJ
gp-143	32	4	literature	literature	NOUN
gp-143	32	5	,	,	PUNCT
gp-143	32	6	empirical	empirical	ADJ
gp-143	32	7	data	datum	NOUN
gp-143	32	8	,	,	PUNCT
gp-143	32	9	and	and	CCONJ
gp-143	32	10	case	case	NOUN
gp-143	32	11	studies	study	NOUN
gp-143	32	12	,	,	PUNCT
gp-143	32	13	this	this	DET
gp-143	32	14	study	study	NOUN
gp-143	32	15	aims	aim	VERB
gp-143	32	16	to	to	PART
gp-143	32	17	provide	provide	VERB
gp-143	32	18	a	a	DET
gp-143	32	19	comprehensive	comprehensive	ADJ
gp-143	32	20	understanding	understanding	NOUN
gp-143	32	21	of	of	ADP
gp-143	32	22	fintech	fintech	NOUN
gp-143	32	23	's	's	PART
gp-143	32	24	role	role	NOUN
gp-143	32	25	in	in	ADP
gp-143	32	26	overcoming	overcome	VERB
gp-143	32	27	the	the	DET
gp-143	32	28	financial	financial	ADJ
gp-143	32	29	challenges	challenge	NOUN
gp-143	32	30	faced	face	VERB
gp-143	32	31	by	by	ADP
gp-143	32	32	smes	sme	NOUN
gp-143	32	33	.	.	PUNCT
gp-143	33	1	the	the	DET
gp-143	33	2	novelty	novelty	NOUN
gp-143	33	3	of	of	ADP
gp-143	33	4	this	this	DET
gp-143	33	5	research	research	NOUN
gp-143	33	6	lies	lie	VERB
gp-143	33	7	in	in	ADP
gp-143	33	8	its	its	PRON
gp-143	33	9	focus	focus	NOUN
gp-143	33	10	on	on	ADP
gp-143	33	11	identifying	identify	VERB
gp-143	33	12	specific	specific	ADJ
gp-143	33	13	factors	factor	NOUN
gp-143	33	14	that	that	PRON
gp-143	33	15	influence	influence	VERB
gp-143	33	16	fintech	fintech	NOUN
gp-143	33	17	adoption	adoption	NOUN
gp-143	33	18	by	by	ADP
gp-143	33	19	smes	sme	NOUN
gp-143	33	20	and	and	CCONJ
gp-143	33	21	its	its	PRON
gp-143	33	22	implications	implication	NOUN
gp-143	33	23	for	for	ADP
gp-143	33	24	inclusive	inclusive	ADJ
gp-143	33	25	financial	financial	ADJ
gp-143	33	26	policies	policy	NOUN
gp-143	33	27	in	in	ADP
gp-143	33	28	indonesia	indonesia	PROPN
gp-143	33	29	.	.	PUNCT
gp-143	34	1	unlike	unlike	ADP
gp-143	34	2	existing	exist	VERB
gp-143	34	3	studies	study	NOUN
gp-143	34	4	that	that	PRON
gp-143	34	5	primarily	primarily	ADV
gp-143	34	6	explore	explore	VERB
gp-143	34	7	fintech	fintech	NOUN
gp-143	34	8	adoption	adoption	NOUN
gp-143	34	9	at	at	ADP
gp-143	34	10	a	a	DET
gp-143	34	11	macro	macro	ADJ
gp-143	34	12	level	level	NOUN
gp-143	34	13	,	,	PUNCT
gp-143	34	14	this	this	DET
gp-143	34	15	research	research	NOUN
gp-143	34	16	delves	delve	VERB
gp-143	34	17	deeper	deeply	ADV
gp-143	34	18	into	into	ADP
gp-143	34	19	the	the	DET
gp-143	34	20	micro	micro	ADJ
gp-143	34	21	-	-	NOUN
gp-143	34	22	level	level	ADJ
gp-143	34	23	dynamics	dynamic	NOUN
gp-143	34	24	of	of	ADP
gp-143	34	25	smes	sme	NOUN
gp-143	34	26	,	,	PUNCT
gp-143	34	27	examining	examine	VERB
gp-143	34	28	the	the	DET
gp-143	34	29	barriers	barrier	NOUN
gp-143	34	30	and	and	CCONJ
gp-143	34	31	enablers	enabler	NOUN
gp-143	34	32	specific	specific	ADJ
gp-143	34	33	to	to	ADP
gp-143	34	34	this	this	DET
gp-143	34	35	segment	segment	NOUN
gp-143	34	36	.	.	PUNCT
gp-143	35	1	the	the	DET
gp-143	35	2	findings	finding	NOUN
gp-143	35	3	of	of	ADP
gp-143	35	4	this	this	DET
gp-143	35	5	study	study	NOUN
gp-143	35	6	are	be	AUX
gp-143	35	7	expected	expect	VERB
gp-143	35	8	to	to	PART
gp-143	35	9	offer	offer	VERB
gp-143	35	10	significant	significant	ADJ
gp-143	35	11	benefits	benefit	NOUN
gp-143	35	12	,	,	PUNCT
gp-143	35	13	including	include	VERB
gp-143	35	14	practical	practical	ADJ
gp-143	35	15	insights	insight	NOUN
gp-143	35	16	for	for	ADP
gp-143	35	17	policymakers	policymaker	NOUN
gp-143	35	18	,	,	PUNCT
gp-143	35	19	fintech	fintech	NOUN
gp-143	35	20	service	service	NOUN
gp-143	35	21	providers	provider	NOUN
gp-143	35	22	,	,	PUNCT
gp-143	35	23	and	and	CCONJ
gp-143	35	24	sme	sme	NOUN
gp-143	35	25	owners	owner	NOUN
gp-143	35	26	.	.	PUNCT
gp-143	36	1	for	for	ADP
gp-143	36	2	policymakers	policymaker	NOUN
gp-143	36	3	,	,	PUNCT
gp-143	36	4	the	the	DET
gp-143	36	5	study	study	NOUN
gp-143	36	6	provides	provide	VERB
gp-143	36	7	a	a	DET
gp-143	36	8	basis	basis	NOUN
gp-143	36	9	for	for	ADP
gp-143	36	10	developing	develop	VERB
gp-143	36	11	inclusive	inclusive	ADJ
gp-143	36	12	financial	financial	ADJ
gp-143	36	13	policies	policy	NOUN
gp-143	36	14	that	that	PRON
gp-143	36	15	facilitate	facilitate	VERB
gp-143	36	16	wider	wide	ADJ
gp-143	36	17	fintech	fintech	NOUN
gp-143	36	18	adoption	adoption	NOUN
gp-143	36	19	.	.	PUNCT
gp-143	37	1	for	for	ADP
gp-143	37	2	fintech	fintech	NOUN
gp-143	37	3	providers	provider	NOUN
gp-143	37	4	,	,	PUNCT
gp-143	37	5	it	it	PRON
gp-143	37	6	offers	offer	VERB
gp-143	37	7	an	an	DET
gp-143	37	8	understanding	understanding	NOUN
gp-143	37	9	of	of	ADP
gp-143	37	10	sme	sme	ADJ
gp-143	37	11	-	-	PUNCT
gp-143	37	12	specific	specific	ADJ
gp-143	37	13	needs	need	NOUN
gp-143	37	14	,	,	PUNCT
gp-143	37	15	enabling	enable	VERB
gp-143	37	16	tailored	tailor	VERB
gp-143	37	17	solutions	solution	NOUN
gp-143	37	18	that	that	PRON
gp-143	37	19	enhance	enhance	VERB
gp-143	37	20	usability	usability	NOUN
gp-143	37	21	and	and	CCONJ
gp-143	37	22	accessibility	accessibility	NOUN
gp-143	37	23	.	.	PUNCT
gp-143	38	1	lastly	lastly	ADV
gp-143	38	2	,	,	PUNCT
gp-143	38	3	for	for	ADP
gp-143	38	4	smes	sme	NOUN
gp-143	38	5	,	,	PUNCT
gp-143	38	6	the	the	DET
gp-143	38	7	research	research	NOUN
gp-143	38	8	highlights	highlight	VERB
gp-143	38	9	best	good	ADJ
gp-143	38	10	practices	practice	NOUN
gp-143	38	11	and	and	CCONJ
gp-143	38	12	strategies	strategy	NOUN
gp-143	38	13	to	to	PART
gp-143	38	14	leverage	leverage	VERB
gp-143	38	15	fintech	fintech	NOUN
gp-143	38	16	for	for	ADP
gp-143	38	17	sustainable	sustainable	ADJ
gp-143	38	18	growth	growth	NOUN
gp-143	38	19	,	,	PUNCT
gp-143	38	20	ultimately	ultimately	ADV
gp-143	38	21	contributing	contribute	VERB
gp-143	38	22	to	to	ADP
gp-143	38	23	strengthening	strengthen	VERB
gp-143	38	24	the	the	DET
gp-143	38	25	resilience	resilience	NOUN
gp-143	38	26	and	and	CCONJ
gp-143	38	27	competitiveness	competitiveness	NOUN
gp-143	38	28	of	of	ADP
gp-143	38	29	smes	sme	NOUN
gp-143	38	30	in	in	ADP
gp-143	38	31	indonesia	indonesia	PROPN
gp-143	38	32	's	's	PART
gp-143	38	33	economy	economy	NOUN
gp-143	38	34	.	.	PUNCT
gp-143	39	1	husnayetti	husnayetti	PROPN
gp-143	39	2	,	,	PUNCT
gp-143	39	3	tri	tri	PROPN
gp-143	39	4	budi	budi	PROPN
gp-143	39	5	astuti	astuti	PROPN
gp-143	39	6	,	,	PUNCT
gp-143	39	7	junarti	junarti	PROPN
gp-143	39	8	475	475	NUM
gp-143	39	9	research	research	NOUN
gp-143	39	10	methods	method	NOUN
gp-143	39	11	this	this	DET
gp-143	39	12	study	study	NOUN
gp-143	39	13	uses	use	VERB
gp-143	39	14	a	a	DET
gp-143	39	15	systematic	systematic	ADJ
gp-143	39	16	approach	approach	NOUN
gp-143	39	17	through	through	ADP
gp-143	39	18	the	the	DET
gp-143	39	19	publish	publish	NOUN
gp-143	39	20	or	or	CCONJ
gp-143	39	21	perish	perish	ADJ
gp-143	39	22	tool	tool	NOUN
gp-143	39	23	to	to	PART
gp-143	39	24	collect	collect	VERB
gp-143	39	25	and	and	CCONJ
gp-143	39	26	analyze	analyze	VERB
gp-143	39	27	literature	literature	NOUN
gp-143	39	28	data	datum	NOUN
gp-143	39	29	related	relate	VERB
gp-143	39	30	to	to	ADP
gp-143	39	31	the	the	DET
gp-143	39	32	effectiveness	effectiveness	NOUN
gp-143	39	33	of	of	ADP
gp-143	39	34	fintech	fintech	NOUN
gp-143	39	35	in	in	ADP
gp-143	39	36	sme	sme	PROPN
gp-143	39	37	financial	financial	ADJ
gp-143	39	38	management	management	NOUN
gp-143	39	39	.	.	PUNCT
gp-143	40	1	keywords	keyword	NOUN
gp-143	40	2	used	use	VERB
gp-143	40	3	in	in	ADP
gp-143	40	4	literature	literature	NOUN
gp-143	40	5	searches	search	NOUN
gp-143	40	6	include	include	VERB
gp-143	40	7	(	(	PUNCT
gp-143	40	8	"	"	PUNCT
gp-143	40	9	fintech	fintech	NOUN
gp-143	40	10	"	"	PUNCT
gp-143	40	11	or	or	CCONJ
gp-143	40	12	"	"	PUNCT
gp-143	40	13	financial	financial	ADJ
gp-143	40	14	technology	technology	NOUN
gp-143	40	15	"	"	PUNCT
gp-143	40	16	or	or	CCONJ
gp-143	40	17	"	"	PUNCT
gp-143	40	18	digital	digital	ADJ
gp-143	40	19	financial	financial	ADJ
gp-143	40	20	services	service	NOUN
gp-143	40	21	"	"	PUNCT
gp-143	40	22	)	)	PUNCT
gp-143	40	23	and	and	CCONJ
gp-143	40	24	(	(	PUNCT
gp-143	40	25	"	"	PUNCT
gp-143	40	26	sme	sme	NOUN
gp-143	40	27	"	"	PUNCT
gp-143	40	28	or	or	CCONJ
gp-143	40	29	"	"	PUNCT
gp-143	40	30	small	small	ADJ
gp-143	40	31	business	business	NOUN
gp-143	40	32	"	"	PUNCT
gp-143	40	33	or	or	CCONJ
gp-143	40	34	"	"	PUNCT
gp-143	40	35	msme	msme	NOUN
gp-143	40	36	"	"	PUNCT
gp-143	40	37	)	)	PUNCT
gp-143	40	38	and	and	CCONJ
gp-143	40	39	(	(	PUNCT
gp-143	40	40	"	"	PUNCT
gp-143	40	41	financial	financial	ADJ
gp-143	40	42	management	management	NOUN
gp-143	40	43	"	"	PUNCT
gp-143	40	44	or	or	CCONJ
gp-143	40	45	"	"	PUNCT
gp-143	40	46	financial	financial	ADJ
gp-143	40	47	records	record	NOUN
gp-143	40	48	"	"	PUNCT
gp-143	40	49	)	)	PUNCT
gp-143	40	50	.	.	PUNCT
gp-143	41	1	this	this	DET
gp-143	41	2	study	study	NOUN
gp-143	41	3	focuses	focus	VERB
gp-143	41	4	on	on	ADP
gp-143	41	5	literature	literature	NOUN
gp-143	41	6	published	publish	VERB
gp-143	41	7	in	in	ADP
gp-143	41	8	the	the	DET
gp-143	41	9	last	last	ADJ
gp-143	41	10	five	five	NUM
gp-143	41	11	years	year	NOUN
gp-143	41	12	to	to	PART
gp-143	41	13	ensure	ensure	VERB
gp-143	41	14	the	the	DET
gp-143	41	15	relevance	relevance	NOUN
gp-143	41	16	and	and	CCONJ
gp-143	41	17	accuracy	accuracy	NOUN
gp-143	41	18	of	of	ADP
gp-143	41	19	the	the	DET
gp-143	41	20	analysis	analysis	NOUN
gp-143	41	21	results	result	NOUN
gp-143	41	22	.	.	PUNCT
gp-143	42	1	from	from	ADP
gp-143	42	2	the	the	DET
gp-143	42	3	search	search	NOUN
gp-143	42	4	results	result	NOUN
gp-143	42	5	,	,	PUNCT
gp-143	42	6	974	974	NUM
gp-143	42	7	data	datum	NOUN
gp-143	42	8	were	be	AUX
gp-143	42	9	taken	take	VERB
gp-143	42	10	from	from	ADP
gp-143	42	11	google	google	PROPN
gp-143	42	12	scholar	scholar	NOUN
gp-143	42	13	and	and	CCONJ
gp-143	42	14	7	7	NUM
gp-143	42	15	scopus	scopus	NOUN
gp-143	42	16	-	-	PUNCT
gp-143	42	17	indexed	index	VERB
gp-143	42	18	journals	journal	NOUN
gp-143	42	19	to	to	PART
gp-143	42	20	get	get	VERB
gp-143	42	21	a	a	DET
gp-143	42	22	broader	broad	ADJ
gp-143	42	23	and	and	CCONJ
gp-143	42	24	in	in	ADP
gp-143	42	25	-	-	PUNCT
gp-143	42	26	depth	depth	NOUN
gp-143	42	27	view	view	NOUN
gp-143	42	28	of	of	ADP
gp-143	42	29	this	this	DET
gp-143	42	30	research	research	NOUN
gp-143	42	31	topic	topic	NOUN
gp-143	42	32	.	.	PUNCT
gp-143	43	1	furthermore	furthermore	ADV
gp-143	43	2	,	,	PUNCT
gp-143	43	3	to	to	PART
gp-143	43	4	identify	identify	VERB
gp-143	43	5	the	the	DET
gp-143	43	6	relationship	relationship	NOUN
gp-143	43	7	between	between	ADP
gp-143	43	8	concepts	concept	NOUN
gp-143	43	9	and	and	CCONJ
gp-143	43	10	trends	trend	NOUN
gp-143	43	11	in	in	ADP
gp-143	43	12	the	the	DET
gp-143	43	13	literature	literature	NOUN
gp-143	43	14	,	,	PUNCT
gp-143	43	15	the	the	DET
gp-143	43	16	vos	vos	NOUN
gp-143	43	17	viewer	viewer	NOUN
gp-143	43	18	device	device	NOUN
gp-143	43	19	was	be	AUX
gp-143	43	20	used	use	VERB
gp-143	43	21	to	to	PART
gp-143	43	22	perform	perform	VERB
gp-143	43	23	a	a	DET
gp-143	43	24	bibliometric	bibliometric	ADJ
gp-143	43	25	analysis	analysis	NOUN
gp-143	43	26	(	(	PUNCT
gp-143	43	27	iliescu	iliescu	NOUN
gp-143	43	28	,	,	PUNCT
gp-143	43	29	2021	2021	NUM
gp-143	43	30	)	)	PUNCT
gp-143	43	31	.	.	PUNCT
gp-143	44	1	with	with	ADP
gp-143	44	2	the	the	DET
gp-143	44	3	help	help	NOUN
gp-143	44	4	of	of	ADP
gp-143	44	5	vos	vos	PROPN
gp-143	44	6	viewer	viewer	PROPN
gp-143	44	7	,	,	PUNCT
gp-143	44	8	common	common	ADJ
gp-143	44	9	patterns	pattern	NOUN
gp-143	44	10	,	,	PUNCT
gp-143	44	11	keyword	keyword	NOUN
gp-143	44	12	clusters	cluster	NOUN
gp-143	44	13	,	,	PUNCT
gp-143	44	14	and	and	CCONJ
gp-143	44	15	research	research	NOUN
gp-143	44	16	trends	trend	NOUN
gp-143	44	17	related	relate	VERB
gp-143	44	18	to	to	ADP
gp-143	44	19	fintech	fintech	NOUN
gp-143	44	20	and	and	CCONJ
gp-143	44	21	smes	sme	NOUN
gp-143	44	22	are	be	AUX
gp-143	44	23	analyzed	analyze	VERB
gp-143	44	24	based	base	VERB
gp-143	44	25	on	on	ADP
gp-143	44	26	citation	citation	NOUN
gp-143	44	27	networks	network	NOUN
gp-143	44	28	and	and	CCONJ
gp-143	44	29	the	the	DET
gp-143	44	30	emergence	emergence	NOUN
gp-143	44	31	of	of	ADP
gp-143	44	32	frequently	frequently	ADV
gp-143	44	33	used	use	VERB
gp-143	44	34	keywords	keyword	NOUN
gp-143	44	35	.	.	PUNCT
gp-143	45	1	this	this	DET
gp-143	45	2	analysis	analysis	NOUN
gp-143	45	3	helps	help	VERB
gp-143	45	4	to	to	PART
gp-143	45	5	unravel	unravel	VERB
gp-143	45	6	the	the	DET
gp-143	45	7	relevance	relevance	NOUN
gp-143	45	8	of	of	ADP
gp-143	45	9	the	the	DET
gp-143	45	10	existing	exist	VERB
gp-143	45	11	literature	literature	NOUN
gp-143	45	12	.	.	PUNCT
gp-143	46	1	it	it	PRON
gp-143	46	2	provides	provide	VERB
gp-143	46	3	a	a	DET
gp-143	46	4	comprehensive	comprehensive	ADJ
gp-143	46	5	overview	overview	NOUN
gp-143	46	6	of	of	ADP
gp-143	46	7	the	the	DET
gp-143	46	8	rapidly	rapidly	ADV
gp-143	46	9	growing	grow	VERB
gp-143	46	10	research	research	NOUN
gp-143	46	11	areas	area	NOUN
gp-143	46	12	and	and	CCONJ
gp-143	46	13	gaps	gap	NOUN
gp-143	46	14	that	that	PRON
gp-143	46	15	are	be	AUX
gp-143	46	16	still	still	ADV
gp-143	46	17	untapped	untapped	ADJ
gp-143	46	18	in	in	ADP
gp-143	46	19	academic	academic	ADJ
gp-143	46	20	studies	study	NOUN
gp-143	46	21	related	relate	VERB
gp-143	46	22	to	to	ADP
gp-143	46	23	fintech	fintech	NOUN
gp-143	46	24	and	and	CCONJ
gp-143	46	25	sme	sme	PROPN
gp-143	46	26	financial	financial	ADJ
gp-143	46	27	management	management	NOUN
gp-143	46	28	.	.	PUNCT
gp-143	47	1	result	result	NOUN
gp-143	47	2	and	and	CCONJ
gp-143	47	3	discussion	discussion	VERB
gp-143	47	4	the	the	DET
gp-143	47	5	results	result	NOUN
gp-143	47	6	of	of	ADP
gp-143	47	7	a	a	DET
gp-143	47	8	systematic	systematic	ADJ
gp-143	47	9	analysis	analysis	NOUN
gp-143	47	10	of	of	ADP
gp-143	47	11	the	the	DET
gp-143	47	12	effectiveness	effectiveness	NOUN
gp-143	47	13	of	of	ADP
gp-143	47	14	fintech	fintech	NOUN
gp-143	47	15	in	in	ADP
gp-143	47	16	sme	sme	PROPN
gp-143	47	17	financial	financial	ADJ
gp-143	47	18	management	management	NOUN
gp-143	47	19	will	will	AUX
gp-143	47	20	be	be	AUX
gp-143	47	21	described	describe	VERB
gp-143	47	22	.	.	PUNCT
gp-143	48	1	based	base	VERB
gp-143	48	2	on	on	ADP
gp-143	48	3	the	the	DET
gp-143	48	4	visualization	visualization	NOUN
gp-143	48	5	from	from	ADP
gp-143	48	6	vos	vos	PROPN
gp-143	48	7	viewer	viewer	PROPN
gp-143	48	8	,	,	PUNCT
gp-143	48	9	38	38	NUM
gp-143	48	10	items	item	NOUN
gp-143	48	11	are	be	AUX
gp-143	48	12	divided	divide	VERB
gp-143	48	13	into	into	ADP
gp-143	48	14	6	6	NUM
gp-143	48	15	clusters	cluster	NOUN
gp-143	48	16	,	,	PUNCT
gp-143	48	17	with	with	ADP
gp-143	48	18	211	211	NUM
gp-143	48	19	links	link	NOUN
gp-143	48	20	and	and	CCONJ
gp-143	48	21	481	481	NUM
gp-143	48	22	total	total	ADJ
gp-143	48	23	link	link	NOUN
gp-143	48	24	strength	strength	NOUN
gp-143	48	25	.	.	PUNCT
gp-143	49	1	this	this	DET
gp-143	49	2	analysis	analysis	NOUN
gp-143	49	3	shows	show	VERB
gp-143	49	4	the	the	DET
gp-143	49	5	linkages	linkage	NOUN
gp-143	49	6	between	between	ADP
gp-143	49	7	the	the	DET
gp-143	49	8	main	main	ADJ
gp-143	49	9	literature	literature	NOUN
gp-143	49	10	on	on	ADP
gp-143	49	11	fintech	fintech	NOUN
gp-143	49	12	and	and	CCONJ
gp-143	49	13	smes	sme	NOUN
gp-143	49	14	,	,	PUNCT
gp-143	49	15	especially	especially	ADV
gp-143	49	16	in	in	ADP
gp-143	49	17	relation	relation	NOUN
gp-143	49	18	to	to	PART
gp-143	49	19	access	access	VERB
gp-143	49	20	to	to	ADP
gp-143	49	21	financing	financing	NOUN
gp-143	49	22	,	,	PUNCT
gp-143	49	23	digital	digital	ADJ
gp-143	49	24	financial	financial	ADJ
gp-143	49	25	management	management	NOUN
gp-143	49	26	,	,	PUNCT
gp-143	49	27	and	and	CCONJ
gp-143	49	28	financial	financial	ADJ
gp-143	49	29	literacy	literacy	NOUN
gp-143	49	30	.	.	PUNCT
gp-143	50	1	this	this	DET
gp-143	50	2	study	study	NOUN
gp-143	50	3	underscores	underscore	VERB
gp-143	50	4	how	how	SCONJ
gp-143	50	5	fintech	fintech	NOUN
gp-143	50	6	has	have	AUX
gp-143	50	7	played	play	VERB
gp-143	50	8	an	an	DET
gp-143	50	9	important	important	ADJ
gp-143	50	10	role	role	NOUN
gp-143	50	11	in	in	ADP
gp-143	50	12	improving	improve	VERB
gp-143	50	13	smes	sme	NOUN
gp-143	50	14	'	'	PART
gp-143	50	15	access	access	NOUN
gp-143	50	16	to	to	ADP
gp-143	50	17	financial	financial	ADJ
gp-143	50	18	services	service	NOUN
gp-143	50	19	,	,	PUNCT
gp-143	50	20	as	as	ADV
gp-143	50	21	well	well	ADV
gp-143	50	22	as	as	ADP
gp-143	50	23	the	the	DET
gp-143	50	24	challenges	challenge	NOUN
gp-143	50	25	that	that	PRON
gp-143	50	26	arise	arise	VERB
gp-143	50	27	in	in	ADP
gp-143	50	28	the	the	DET
gp-143	50	29	adoption	adoption	NOUN
gp-143	50	30	of	of	ADP
gp-143	50	31	this	this	DET
gp-143	50	32	technology	technology	NOUN
gp-143	50	33	.	.	PUNCT
gp-143	51	1	further	further	ADJ
gp-143	51	2	findings	finding	NOUN
gp-143	51	3	will	will	AUX
gp-143	51	4	elaborate	elaborate	VERB
gp-143	51	5	on	on	ADP
gp-143	51	6	the	the	DET
gp-143	51	7	impact	impact	NOUN
gp-143	51	8	and	and	CCONJ
gp-143	51	9	potential	potential	NOUN
gp-143	51	10	of	of	ADP
gp-143	51	11	fintech	fintech	NOUN
gp-143	51	12	on	on	ADP
gp-143	51	13	sme	sme	ADJ
gp-143	51	14	financial	financial	ADJ
gp-143	51	15	management	management	NOUN
gp-143	51	16	in	in	ADP
gp-143	51	17	the	the	DET
gp-143	51	18	digital	digital	ADJ
gp-143	51	19	era	era	NOUN
gp-143	51	20	.	.	PUNCT
gp-143	52	1	the	the	DET
gp-143	52	2	network	network	NOUN
gp-143	52	3	map	map	NOUN
gp-143	52	4	visualization	visualization	NOUN
gp-143	52	5	fig	fig	NOUN
gp-143	52	6	1	1	NUM
gp-143	52	7	.	.	PUNCT
gp-143	53	1	the	the	DET
gp-143	53	2	network	network	NOUN
gp-143	53	3	map	map	NOUN
gp-143	53	4	visualization	visualization	NOUN
gp-143	53	5	using	use	VERB
gp-143	53	6	vosviewer	vosviewer	PROPN
gp-143	53	7	american	american	PROPN
gp-143	53	8	journal	journal	PROPN
gp-143	53	9	of	of	ADP
gp-143	53	10	economic	economic	ADJ
gp-143	53	11	and	and	CCONJ
gp-143	53	12	management	management	NOUN
gp-143	53	13	business	business	NOUN
gp-143	53	14	vol	vol	NOUN
gp-143	53	15	.	.	PROPN
gp-143	53	16	3	3	NUM
gp-143	53	17	no	no	NOUN
gp-143	53	18	.	.	PROPN
gp-143	54	1	12	12	NUM
gp-143	54	2	december	december	PROPN
gp-143	54	3	2024	2024	NUM
gp-143	54	4	476	476	NUM
gp-143	54	5	the	the	DET
gp-143	54	6	results	result	NOUN
gp-143	54	7	of	of	ADP
gp-143	54	8	the	the	DET
gp-143	54	9	vosviewer	vosviewer	NOUN
gp-143	54	10	visualization	visualization	NOUN
gp-143	54	11	above	above	ADV
gp-143	54	12	show	show	VERB
gp-143	54	13	the	the	DET
gp-143	54	14	relationship	relationship	NOUN
gp-143	54	15	between	between	ADP
gp-143	54	16	various	various	ADJ
gp-143	54	17	topics	topic	NOUN
gp-143	54	18	in	in	ADP
gp-143	54	19	the	the	DET
gp-143	54	20	analyzed	analyze	VERB
gp-143	54	21	literature	literature	NOUN
gp-143	54	22	,	,	PUNCT
gp-143	54	23	with	with	ADP
gp-143	54	24	a	a	DET
gp-143	54	25	focus	focus	NOUN
gp-143	54	26	on	on	ADP
gp-143	54	27	financial	financial	ADJ
gp-143	54	28	literacy	literacy	NOUN
gp-143	54	29	,	,	PUNCT
gp-143	54	30	financial	financial	ADJ
gp-143	54	31	services	service	NOUN
gp-143	54	32	,	,	PUNCT
gp-143	54	33	and	and	CCONJ
gp-143	54	34	inclusion	inclusion	NOUN
gp-143	54	35	.	.	PUNCT
gp-143	55	1	financial	financial	ADJ
gp-143	55	2	literacy	literacy	NOUN
gp-143	55	3	emerged	emerge	VERB
gp-143	55	4	as	as	ADP
gp-143	55	5	a	a	DET
gp-143	55	6	central	central	ADJ
gp-143	55	7	theme	theme	NOUN
gp-143	55	8	that	that	PRON
gp-143	55	9	is	be	AUX
gp-143	55	10	closely	closely	ADV
gp-143	55	11	related	relate	VERB
gp-143	55	12	to	to	ADP
gp-143	55	13	the	the	DET
gp-143	55	14	financial	financial	ADJ
gp-143	55	15	management	management	NOUN
gp-143	55	16	of	of	ADP
gp-143	55	17	msmes	msme	NOUN
gp-143	55	18	(	(	PUNCT
gp-143	55	19	msme	msme	PROPN
gp-143	55	20	financial	financial	ADJ
gp-143	55	21	management	management	NOUN
gp-143	55	22	)	)	PUNCT
gp-143	55	23	and	and	CCONJ
gp-143	55	24	the	the	DET
gp-143	55	25	financial	financial	ADJ
gp-143	55	26	services	service	NOUN
gp-143	55	27	they	they	PRON
gp-143	55	28	use	use	VERB
gp-143	55	29	.	.	PUNCT
gp-143	56	1	large	large	ADJ
gp-143	56	2	nodes	node	NOUN
gp-143	56	3	such	such	ADJ
gp-143	56	4	as	as	ADP
gp-143	56	5	financial	financial	ADJ
gp-143	56	6	literacy	literacy	NOUN
gp-143	56	7	,	,	PUNCT
gp-143	56	8	inclusion	inclusion	NOUN
gp-143	56	9	,	,	PUNCT
gp-143	56	10	and	and	CCONJ
gp-143	56	11	financial	financial	ADJ
gp-143	56	12	services	service	NOUN
gp-143	56	13	show	show	VERB
gp-143	56	14	that	that	SCONJ
gp-143	56	15	the	the	DET
gp-143	56	16	literature	literature	NOUN
gp-143	56	17	discusses	discuss	VERB
gp-143	56	18	a	a	DET
gp-143	56	19	lot	lot	NOUN
gp-143	56	20	about	about	ADP
gp-143	56	21	how	how	SCONJ
gp-143	56	22	financial	financial	ADJ
gp-143	56	23	literacy	literacy	NOUN
gp-143	56	24	affects	affect	VERB
gp-143	56	25	access	access	NOUN
gp-143	56	26	to	to	ADP
gp-143	56	27	financial	financial	ADJ
gp-143	56	28	services	service	NOUN
gp-143	56	29	,	,	PUNCT
gp-143	56	30	especially	especially	ADV
gp-143	56	31	in	in	ADP
gp-143	56	32	the	the	DET
gp-143	56	33	context	context	NOUN
gp-143	56	34	of	of	ADP
gp-143	56	35	msmes	msme	NOUN
gp-143	56	36	.	.	PUNCT
gp-143	57	1	in	in	ADP
gp-143	57	2	addition	addition	NOUN
gp-143	57	3	,	,	PUNCT
gp-143	57	4	some	some	DET
gp-143	57	5	clusters	cluster	NOUN
gp-143	57	6	show	show	VERB
gp-143	57	7	a	a	DET
gp-143	57	8	strong	strong	ADJ
gp-143	57	9	link	link	NOUN
gp-143	57	10	between	between	ADP
gp-143	57	11	the	the	DET
gp-143	57	12	literature	literature	NOUN
gp-143	57	13	on	on	ADP
gp-143	57	14	fintech	fintech	NOUN
gp-143	57	15	and	and	CCONJ
gp-143	57	16	lending	lending	NOUN
gp-143	57	17	,	,	PUNCT
gp-143	57	18	with	with	ADP
gp-143	57	19	topics	topic	NOUN
gp-143	57	20	such	such	ADJ
gp-143	57	21	as	as	ADP
gp-143	57	22	fintech	fintech	NOUN
gp-143	57	23	companies	company	NOUN
gp-143	57	24	,	,	PUNCT
gp-143	57	25	lending	lending	NOUN
gp-143	57	26	,	,	PUNCT
gp-143	57	27	and	and	CCONJ
gp-143	57	28	small	small	ADJ
gp-143	57	29	business	business	NOUN
gp-143	57	30	.	.	PUNCT
gp-143	58	1	this	this	DET
gp-143	58	2	cluster	cluster	NOUN
gp-143	58	3	illustrates	illustrate	VERB
gp-143	58	4	the	the	DET
gp-143	58	5	role	role	NOUN
gp-143	58	6	of	of	ADP
gp-143	58	7	financial	financial	ADJ
gp-143	58	8	technology	technology	NOUN
gp-143	58	9	in	in	ADP
gp-143	58	10	facilitating	facilitate	VERB
gp-143	58	11	loans	loan	NOUN
gp-143	58	12	and	and	CCONJ
gp-143	58	13	supporting	support	VERB
gp-143	58	14	the	the	DET
gp-143	58	15	growth	growth	NOUN
gp-143	58	16	of	of	ADP
gp-143	58	17	small	small	ADJ
gp-143	58	18	businesses	business	NOUN
gp-143	58	19	.	.	PUNCT
gp-143	59	1	in	in	ADP
gp-143	59	2	another	another	DET
gp-143	59	3	part	part	NOUN
gp-143	59	4	,	,	PUNCT
gp-143	59	5	the	the	DET
gp-143	59	6	fintech	fintech	NOUN
gp-143	59	7	theme	theme	NOUN
gp-143	59	8	also	also	ADV
gp-143	59	9	includes	include	VERB
gp-143	59	10	sharia	sharia	PROPN
gp-143	59	11	fintech	fintech	PROPN
gp-143	59	12	(	(	PUNCT
gp-143	59	13	sharia	sharia	PROPN
gp-143	59	14	fintech	fintech	PROPN
gp-143	59	15	,	,	PUNCT
gp-143	59	16	islamic	islamic	ADJ
gp-143	59	17	fintech	fintech	NOUN
gp-143	59	18	)	)	PUNCT
gp-143	59	19	,	,	PUNCT
gp-143	59	20	which	which	PRON
gp-143	59	21	illustrates	illustrate	VERB
gp-143	59	22	the	the	DET
gp-143	59	23	focus	focus	NOUN
gp-143	59	24	of	of	ADP
gp-143	59	25	the	the	DET
gp-143	59	26	literature	literature	NOUN
gp-143	59	27	on	on	ADP
gp-143	59	28	the	the	DET
gp-143	59	29	development	development	NOUN
gp-143	59	30	of	of	ADP
gp-143	59	31	sharia	sharia	PROPN
gp-143	59	32	-	-	PUNCT
gp-143	59	33	based	base	VERB
gp-143	59	34	fintech	fintech	NOUN
gp-143	59	35	.	.	PUNCT
gp-143	60	1	some	some	PRON
gp-143	60	2	of	of	ADP
gp-143	60	3	the	the	DET
gp-143	60	4	other	other	ADJ
gp-143	60	5	themes	theme	NOUN
gp-143	60	6	identified	identify	VERB
gp-143	60	7	are	be	AUX
gp-143	60	8	fintech	fintech	NOUN
gp-143	60	9	adoption	adoption	NOUN
gp-143	60	10	and	and	CCONJ
gp-143	60	11	the	the	DET
gp-143	60	12	impact	impact	NOUN
gp-143	60	13	of	of	ADP
gp-143	60	14	the	the	DET
gp-143	60	15	pandemic	pandemic	NOUN
gp-143	60	16	on	on	ADP
gp-143	60	17	financial	financial	ADJ
gp-143	60	18	services	service	NOUN
gp-143	60	19	.	.	PUNCT
gp-143	61	1	this	this	PRON
gp-143	61	2	shows	show	VERB
gp-143	61	3	how	how	SCONJ
gp-143	61	4	the	the	DET
gp-143	61	5	pandemic	pandemic	NOUN
gp-143	61	6	has	have	AUX
gp-143	61	7	affected	affect	VERB
gp-143	61	8	the	the	DET
gp-143	61	9	way	way	NOUN
gp-143	61	10	msmes	msme	NOUN
gp-143	61	11	adopt	adopt	VERB
gp-143	61	12	fintech	fintech	NOUN
gp-143	61	13	to	to	PART
gp-143	61	14	meet	meet	VERB
gp-143	61	15	their	their	PRON
gp-143	61	16	financial	financial	ADJ
gp-143	61	17	needs	need	NOUN
gp-143	61	18	.	.	PUNCT
gp-143	62	1	on	on	ADP
gp-143	62	2	the	the	DET
gp-143	62	3	other	other	ADJ
gp-143	62	4	hand	hand	NOUN
gp-143	62	5	,	,	PUNCT
gp-143	62	6	the	the	DET
gp-143	62	7	literature	literature	NOUN
gp-143	62	8	also	also	ADV
gp-143	62	9	discusses	discuss	VERB
gp-143	62	10	digitalization	digitalization	NOUN
gp-143	62	11	in	in	ADP
gp-143	62	12	msme	msme	NOUN
gp-143	62	13	management	management	NOUN
gp-143	62	14	through	through	ADP
gp-143	62	15	digital	digital	ADJ
gp-143	62	16	payments	payment	NOUN
gp-143	62	17	and	and	CCONJ
gp-143	62	18	digital	digital	ADJ
gp-143	62	19	marketing	marketing	NOUN
gp-143	62	20	,	,	PUNCT
gp-143	62	21	which	which	PRON
gp-143	62	22	shows	show	VERB
gp-143	62	23	the	the	DET
gp-143	62	24	trend	trend	NOUN
gp-143	62	25	of	of	ADP
gp-143	62	26	digital	digital	ADJ
gp-143	62	27	transformation	transformation	NOUN
gp-143	62	28	in	in	ADP
gp-143	62	29	the	the	DET
gp-143	62	30	small	small	ADJ
gp-143	62	31	and	and	CCONJ
gp-143	62	32	medium	medium	ADJ
gp-143	62	33	business	business	NOUN
gp-143	62	34	sectors	sector	NOUN
gp-143	62	35	.	.	PUNCT
gp-143	63	1	overall	overall	ADV
gp-143	63	2	,	,	PUNCT
gp-143	63	3	this	this	DET
gp-143	63	4	visualization	visualization	NOUN
gp-143	63	5	illustrates	illustrate	VERB
gp-143	63	6	the	the	DET
gp-143	63	7	strong	strong	ADJ
gp-143	63	8	link	link	NOUN
gp-143	63	9	between	between	ADP
gp-143	63	10	financial	financial	ADJ
gp-143	63	11	literacy	literacy	NOUN
gp-143	63	12	,	,	PUNCT
gp-143	63	13	financial	financial	ADJ
gp-143	63	14	inclusion	inclusion	NOUN
gp-143	63	15	,	,	PUNCT
gp-143	63	16	and	and	CCONJ
gp-143	63	17	the	the	DET
gp-143	63	18	role	role	NOUN
gp-143	63	19	of	of	ADP
gp-143	63	20	financial	financial	ADJ
gp-143	63	21	technology	technology	NOUN
gp-143	63	22	,	,	PUNCT
gp-143	63	23	including	include	VERB
gp-143	63	24	sharia	sharia	PROPN
gp-143	63	25	fintech	fintech	NOUN
gp-143	63	26	,	,	PUNCT
gp-143	63	27	in	in	ADP
gp-143	63	28	supporting	support	VERB
gp-143	63	29	financial	financial	ADJ
gp-143	63	30	services	service	NOUN
gp-143	63	31	for	for	ADP
gp-143	63	32	msmes	msme	NOUN
gp-143	63	33	.	.	PUNCT
gp-143	64	1	the	the	DET
gp-143	64	2	network	network	NOUN
gp-143	64	3	map	map	VERB
gp-143	64	4	evolution	evolution	NOUN
gp-143	64	5	of	of	ADP
gp-143	64	6	research	research	NOUN
gp-143	64	7	topics	topic	NOUN
gp-143	64	8	fig	fig	NOUN
gp-143	64	9	.	.	PUNCT
gp-143	65	1	2	2	NUM
gp-143	66	1	the	the	DET
gp-143	66	2	network	network	NOUN
gp-143	66	3	map	map	NOUN
gp-143	66	4	evolution	evolution	NOUN
gp-143	66	5	of	of	ADP
gp-143	66	6	research	research	NOUN
gp-143	66	7	topics	topic	NOUN
gp-143	66	8	using	use	VERB
gp-143	66	9	vosviewer	vosviewer	NOUN
gp-143	66	10	this	this	DET
gp-143	66	11	vosviewer	vosviewer	NOUN
gp-143	66	12	visualization	visualization	NOUN
gp-143	66	13	image	image	NOUN
gp-143	66	14	shows	show	VERB
gp-143	66	15	the	the	DET
gp-143	66	16	evolution	evolution	NOUN
gp-143	66	17	of	of	ADP
gp-143	66	18	the	the	DET
gp-143	66	19	research	research	NOUN
gp-143	66	20	topic	topic	NOUN
gp-143	66	21	from	from	ADP
gp-143	66	22	2022	2022	NUM
gp-143	66	23	to	to	ADP
gp-143	66	24	2023	2023	NUM
gp-143	66	25	with	with	ADP
gp-143	66	26	temporal	temporal	ADJ
gp-143	66	27	analysis	analysis	NOUN
gp-143	66	28	.	.	PUNCT
gp-143	67	1	the	the	DET
gp-143	67	2	colors	color	NOUN
gp-143	67	3	in	in	ADP
gp-143	67	4	the	the	DET
gp-143	67	5	image	image	NOUN
gp-143	67	6	indicate	indicate	VERB
gp-143	67	7	the	the	DET
gp-143	67	8	period	period	NOUN
gp-143	67	9	in	in	ADP
gp-143	67	10	which	which	PRON
gp-143	67	11	the	the	DET
gp-143	67	12	topics	topic	NOUN
gp-143	67	13	were	be	AUX
gp-143	67	14	studied	study	VERB
gp-143	67	15	.	.	PUNCT
gp-143	68	1	topics	topic	NOUN
gp-143	68	2	that	that	PRON
gp-143	68	3	are	be	AUX
gp-143	68	4	yellow	yellow	ADJ
gp-143	68	5	,	,	PUNCT
gp-143	68	6	such	such	ADJ
gp-143	68	7	as	as	ADP
gp-143	68	8	financial	financial	ADJ
gp-143	68	9	literacy	literacy	NOUN
gp-143	68	10	,	,	PUNCT
gp-143	68	11	msme	msme	NOUN
gp-143	68	12	financial	financial	ADJ
gp-143	68	13	management	management	NOUN
gp-143	68	14	,	,	PUNCT
gp-143	68	15	inclusion	inclusion	NOUN
gp-143	68	16	,	,	PUNCT
gp-143	68	17	and	and	CCONJ
gp-143	68	18	financial	financial	ADJ
gp-143	68	19	behavior	behavior	NOUN
gp-143	68	20	,	,	PUNCT
gp-143	68	21	show	show	VERB
gp-143	68	22	increased	increase	VERB
gp-143	68	23	attention	attention	NOUN
gp-143	68	24	in	in	ADP
gp-143	68	25	the	the	DET
gp-143	68	26	latest	late	ADJ
gp-143	68	27	research	research	NOUN
gp-143	68	28	in	in	ADP
gp-143	68	29	2023	2023	NUM
gp-143	68	30	.	.	PUNCT
gp-143	69	1	this	this	PRON
gp-143	69	2	reflects	reflect	VERB
gp-143	69	3	that	that	SCONJ
gp-143	69	4	financial	financial	ADJ
gp-143	69	5	literacy	literacy	NOUN
gp-143	69	6	and	and	CCONJ
gp-143	69	7	financial	financial	ADJ
gp-143	69	8	management	management	NOUN
gp-143	69	9	of	of	ADP
gp-143	69	10	msmes	msme	NOUN
gp-143	69	11	have	have	AUX
gp-143	69	12	become	become	VERB
gp-143	69	13	increasingly	increasingly	ADV
gp-143	69	14	relevant	relevant	ADJ
gp-143	69	15	in	in	ADP
gp-143	69	16	recent	recent	ADJ
gp-143	69	17	years	year	NOUN
gp-143	69	18	,	,	PUNCT
gp-143	69	19	especially	especially	ADV
gp-143	69	20	related	relate	VERB
gp-143	69	21	to	to	ADP
gp-143	69	22	the	the	DET
gp-143	69	23	financial	financial	ADJ
gp-143	69	24	inclusion	inclusion	NOUN
gp-143	69	25	and	and	CCONJ
gp-143	69	26	financial	financial	ADJ
gp-143	69	27	behavior	behavior	NOUN
gp-143	69	28	of	of	ADP
gp-143	69	29	msmes	msmes	PROPN
gp-143	69	30	.	.	PUNCT
gp-143	70	1	husnayetti	husnayetti	PROPN
gp-143	70	2	,	,	PUNCT
gp-143	70	3	tri	tri	PROPN
gp-143	70	4	budi	budi	PROPN
gp-143	70	5	astuti	astuti	PROPN
gp-143	70	6	,	,	PUNCT
gp-143	70	7	junarti	junarti	PROPN
gp-143	70	8	477	477	NUM
gp-143	70	9	on	on	ADP
gp-143	70	10	the	the	DET
gp-143	70	11	other	other	ADJ
gp-143	70	12	hand	hand	NOUN
gp-143	70	13	,	,	PUNCT
gp-143	70	14	topics	topic	NOUN
gp-143	70	15	such	such	ADJ
gp-143	70	16	as	as	ADP
gp-143	70	17	fintech	fintech	NOUN
gp-143	70	18	companies	company	NOUN
gp-143	70	19	,	,	PUNCT
gp-143	70	20	lending	lending	NOUN
gp-143	70	21	,	,	PUNCT
gp-143	70	22	fintech	fintech	NOUN
gp-143	70	23	development	development	NOUN
gp-143	70	24	,	,	PUNCT
gp-143	70	25	and	and	CCONJ
gp-143	70	26	fintech	fintech	NOUN
gp-143	70	27	innovation	innovation	NOUN
gp-143	70	28	,	,	PUNCT
gp-143	70	29	which	which	PRON
gp-143	70	30	are	be	AUX
gp-143	70	31	blue	blue	ADJ
gp-143	70	32	and	and	CCONJ
gp-143	70	33	purple	purple	ADJ
gp-143	70	34	,	,	PUNCT
gp-143	70	35	were	be	AUX
gp-143	70	36	more	more	ADV
gp-143	70	37	discussed	discuss	VERB
gp-143	70	38	at	at	ADP
gp-143	70	39	the	the	DET
gp-143	70	40	beginning	beginning	NOUN
gp-143	70	41	of	of	ADP
gp-143	70	42	the	the	DET
gp-143	70	43	period	period	NOUN
gp-143	70	44	(	(	PUNCT
gp-143	70	45	2022	2022	NUM
gp-143	70	46	)	)	PUNCT
gp-143	70	47	.	.	PUNCT
gp-143	71	1	the	the	DET
gp-143	71	2	focus	focus	NOUN
gp-143	71	3	on	on	ADP
gp-143	71	4	the	the	DET
gp-143	71	5	development	development	NOUN
gp-143	71	6	and	and	CCONJ
gp-143	71	7	innovation	innovation	NOUN
gp-143	71	8	of	of	ADP
gp-143	71	9	financial	financial	ADJ
gp-143	71	10	technology	technology	NOUN
gp-143	71	11	and	and	CCONJ
gp-143	71	12	its	its	PRON
gp-143	71	13	role	role	NOUN
gp-143	71	14	in	in	ADP
gp-143	71	15	facilitating	facilitate	VERB
gp-143	71	16	loans	loan	NOUN
gp-143	71	17	and	and	CCONJ
gp-143	71	18	supporting	support	VERB
gp-143	71	19	small	small	ADJ
gp-143	71	20	and	and	CCONJ
gp-143	71	21	medium	medium	ADJ
gp-143	71	22	-	-	PUNCT
gp-143	71	23	sized	sized	ADJ
gp-143	71	24	enterprises	enterprise	NOUN
gp-143	71	25	was	be	AUX
gp-143	71	26	discussed	discuss	VERB
gp-143	71	27	more	more	ADV
gp-143	71	28	intensively	intensively	ADV
gp-143	71	29	at	at	ADP
gp-143	71	30	the	the	DET
gp-143	71	31	beginning	beginning	NOUN
gp-143	71	32	of	of	ADP
gp-143	71	33	the	the	DET
gp-143	71	34	research	research	NOUN
gp-143	71	35	period	period	NOUN
gp-143	71	36	.	.	PUNCT
gp-143	72	1	as	as	SCONJ
gp-143	72	2	time	time	NOUN
gp-143	72	3	goes	go	VERB
gp-143	72	4	by	by	ADV
gp-143	72	5	,	,	PUNCT
gp-143	72	6	topics	topic	NOUN
gp-143	72	7	related	relate	VERB
gp-143	72	8	to	to	ADP
gp-143	72	9	financial	financial	ADJ
gp-143	72	10	literacy	literacy	NOUN
gp-143	72	11	and	and	CCONJ
gp-143	72	12	fintech	fintech	NOUN
gp-143	72	13	adoption	adoption	NOUN
gp-143	72	14	among	among	ADP
gp-143	72	15	msmes	msme	NOUN
gp-143	72	16	begin	begin	VERB
gp-143	72	17	to	to	PART
gp-143	72	18	dominate	dominate	VERB
gp-143	72	19	.	.	PUNCT
gp-143	73	1	research	research	NOUN
gp-143	73	2	in	in	ADP
gp-143	73	3	2023	2023	NUM
gp-143	73	4	also	also	ADV
gp-143	73	5	shows	show	VERB
gp-143	73	6	increased	increase	VERB
gp-143	73	7	attention	attention	NOUN
gp-143	73	8	to	to	ADP
gp-143	73	9	digital	digital	ADJ
gp-143	73	10	transformation	transformation	NOUN
gp-143	73	11	through	through	ADP
gp-143	73	12	topics	topic	NOUN
gp-143	73	13	such	such	ADJ
gp-143	73	14	as	as	ADP
gp-143	73	15	digital	digital	ADJ
gp-143	73	16	payments	payment	NOUN
gp-143	73	17	and	and	CCONJ
gp-143	73	18	digital	digital	ADJ
gp-143	73	19	marketing	marketing	NOUN
gp-143	73	20	,	,	PUNCT
gp-143	73	21	which	which	PRON
gp-143	73	22	reflects	reflect	VERB
gp-143	73	23	the	the	DET
gp-143	73	24	adoption	adoption	NOUN
gp-143	73	25	of	of	ADP
gp-143	73	26	technology	technology	NOUN
gp-143	73	27	in	in	ADP
gp-143	73	28	msme	msme	PROPN
gp-143	73	29	business	business	NOUN
gp-143	73	30	management	management	NOUN
gp-143	73	31	.	.	PUNCT
gp-143	74	1	overall	overall	ADV
gp-143	74	2	,	,	PUNCT
gp-143	74	3	this	this	DET
gp-143	74	4	visualization	visualization	NOUN
gp-143	74	5	illustrates	illustrate	VERB
gp-143	74	6	the	the	DET
gp-143	74	7	shift	shift	NOUN
gp-143	74	8	in	in	ADP
gp-143	74	9	trend	trend	NOUN
gp-143	74	10	from	from	ADP
gp-143	74	11	focusing	focus	VERB
gp-143	74	12	on	on	ADP
gp-143	74	13	fintech	fintech	NOUN
gp-143	74	14	innovation	innovation	NOUN
gp-143	74	15	in	in	ADP
gp-143	74	16	2022	2022	NUM
gp-143	74	17	to	to	ADP
gp-143	74	18	more	more	ADV
gp-143	74	19	intensive	intensive	ADJ
gp-143	74	20	financial	financial	ADJ
gp-143	74	21	literacy	literacy	NOUN
gp-143	74	22	,	,	PUNCT
gp-143	74	23	msme	msme	NOUN
gp-143	74	24	financial	financial	ADJ
gp-143	74	25	management	management	NOUN
gp-143	74	26	,	,	PUNCT
gp-143	74	27	and	and	CCONJ
gp-143	74	28	financial	financial	ADJ
gp-143	74	29	inclusion	inclusion	NOUN
gp-143	74	30	in	in	ADP
gp-143	74	31	2023	2023	NUM
gp-143	74	32	.	.	PUNCT
gp-143	75	1	fig	fig	NOUN
gp-143	75	2	.	.	PUNCT
gp-143	76	1	3	3	NUM
gp-143	76	2	density	density	NOUN
gp-143	76	3	map	map	NOUN
gp-143	76	4	using	use	VERB
gp-143	76	5	vos	vos	PROPN
gp-143	76	6	viewer	viewer	VERB
gp-143	76	7	the	the	DET
gp-143	76	8	image	image	NOUN
gp-143	76	9	produced	produce	VERB
gp-143	76	10	by	by	ADP
gp-143	76	11	vosviewer	vosviewer	PROPN
gp-143	76	12	uses	use	VERB
gp-143	76	13	heatmaps	heatmap	NOUN
gp-143	76	14	to	to	PART
gp-143	76	15	show	show	VERB
gp-143	76	16	the	the	DET
gp-143	76	17	density	density	NOUN
gp-143	76	18	of	of	ADP
gp-143	76	19	research	research	NOUN
gp-143	76	20	topics	topic	NOUN
gp-143	76	21	related	relate	VERB
gp-143	76	22	to	to	ADP
gp-143	76	23	financial	financial	ADJ
gp-143	76	24	literacy	literacy	NOUN
gp-143	76	25	,	,	PUNCT
gp-143	76	26	fintech	fintech	NOUN
gp-143	76	27	,	,	PUNCT
gp-143	76	28	and	and	CCONJ
gp-143	76	29	msmes	msme	NOUN
gp-143	76	30	.	.	PUNCT
gp-143	77	1	lighter	light	ADJ
gp-143	77	2	colours	colour	NOUN
gp-143	77	3	,	,	PUNCT
gp-143	77	4	such	such	ADJ
gp-143	77	5	as	as	ADP
gp-143	77	6	yellow	yellow	ADJ
gp-143	77	7	,	,	PUNCT
gp-143	77	8	signify	signify	VERB
gp-143	77	9	higher	high	ADJ
gp-143	77	10	density	density	NOUN
gp-143	77	11	or	or	CCONJ
gp-143	77	12	focus	focus	NOUN
gp-143	77	13	of	of	ADP
gp-143	77	14	research	research	NOUN
gp-143	77	15	,	,	PUNCT
gp-143	77	16	while	while	SCONJ
gp-143	77	17	green	green	ADJ
gp-143	77	18	and	and	CCONJ
gp-143	77	19	blue	blue	ADJ
gp-143	77	20	indicate	indicate	VERB
gp-143	77	21	lower	low	ADJ
gp-143	77	22	density	density	NOUN
gp-143	77	23	.	.	PUNCT
gp-143	78	1	the	the	DET
gp-143	78	2	interpretation	interpretation	NOUN
gp-143	78	3	of	of	ADP
gp-143	78	4	this	this	DET
gp-143	78	5	figure	figure	NOUN
gp-143	78	6	shows	show	VERB
gp-143	78	7	that	that	SCONJ
gp-143	78	8	financial	financial	ADJ
gp-143	78	9	literacy	literacy	NOUN
gp-143	78	10	is	be	AUX
gp-143	78	11	the	the	DET
gp-143	78	12	most	most	ADV
gp-143	78	13	dominant	dominant	ADJ
gp-143	78	14	centre	centre	NOUN
gp-143	78	15	of	of	ADP
gp-143	78	16	attention	attention	NOUN
gp-143	78	17	in	in	ADP
gp-143	78	18	the	the	DET
gp-143	78	19	literature	literature	NOUN
gp-143	78	20	,	,	PUNCT
gp-143	78	21	followed	follow	VERB
gp-143	78	22	by	by	ADP
gp-143	78	23	financial	financial	ADJ
gp-143	78	24	service	service	NOUN
gp-143	78	25	and	and	CCONJ
gp-143	78	26	inclusion	inclusion	NOUN
gp-143	78	27	.	.	PUNCT
gp-143	79	1	the	the	DET
gp-143	79	2	area	area	NOUN
gp-143	79	3	in	in	ADP
gp-143	79	4	yellow	yellow	ADJ
gp-143	79	5	on	on	ADP
gp-143	79	6	this	this	DET
gp-143	79	7	topic	topic	NOUN
gp-143	79	8	shows	show	VERB
gp-143	79	9	that	that	SCONJ
gp-143	79	10	many	many	ADJ
gp-143	79	11	studies	study	NOUN
gp-143	79	12	focus	focus	VERB
gp-143	79	13	on	on	ADP
gp-143	79	14	aspects	aspect	NOUN
gp-143	79	15	of	of	ADP
gp-143	79	16	financial	financial	ADJ
gp-143	79	17	literacy	literacy	NOUN
gp-143	79	18	,	,	PUNCT
gp-143	79	19	financial	financial	ADJ
gp-143	79	20	inclusion	inclusion	NOUN
gp-143	79	21	,	,	PUNCT
gp-143	79	22	and	and	CCONJ
gp-143	79	23	financial	financial	ADJ
gp-143	79	24	services	service	NOUN
gp-143	79	25	used	use	VERB
gp-143	79	26	by	by	ADP
gp-143	79	27	msmes	msme	NOUN
gp-143	79	28	.	.	PUNCT
gp-143	80	1	in	in	ADP
gp-143	80	2	addition	addition	NOUN
gp-143	80	3	,	,	PUNCT
gp-143	80	4	msme	msme	NOUN
gp-143	80	5	financial	financial	ADJ
gp-143	80	6	management	management	NOUN
gp-143	80	7	and	and	CCONJ
gp-143	80	8	financial	financial	ADJ
gp-143	80	9	behaviour	behaviour	NOUN
gp-143	80	10	are	be	AUX
gp-143	80	11	also	also	ADV
gp-143	80	12	important	important	ADJ
gp-143	80	13	parts	part	NOUN
gp-143	80	14	that	that	PRON
gp-143	80	15	are	be	AUX
gp-143	80	16	closely	closely	ADV
gp-143	80	17	related	relate	VERB
gp-143	80	18	to	to	ADP
gp-143	80	19	financial	financial	ADJ
gp-143	80	20	literacy	literacy	NOUN
gp-143	80	21	,	,	PUNCT
gp-143	80	22	which	which	PRON
gp-143	80	23	reflects	reflect	VERB
gp-143	80	24	that	that	SCONJ
gp-143	80	25	financial	financial	ADJ
gp-143	80	26	management	management	NOUN
gp-143	80	27	and	and	CCONJ
gp-143	80	28	msme	msme	NOUN
gp-143	80	29	behaviour	behaviour	NOUN
gp-143	80	30	are	be	AUX
gp-143	80	31	topics	topic	NOUN
gp-143	80	32	that	that	PRON
gp-143	80	33	receive	receive	VERB
gp-143	80	34	great	great	ADJ
gp-143	80	35	attention	attention	NOUN
gp-143	80	36	.	.	PUNCT
gp-143	81	1	on	on	ADP
gp-143	81	2	the	the	DET
gp-143	81	3	other	other	ADJ
gp-143	81	4	hand	hand	NOUN
gp-143	81	5	,	,	PUNCT
gp-143	81	6	areas	area	NOUN
gp-143	81	7	with	with	ADP
gp-143	81	8	green	green	ADJ
gp-143	81	9	and	and	CCONJ
gp-143	81	10	blue	blue	ADJ
gp-143	81	11	colours	colour	NOUN
gp-143	81	12	,	,	PUNCT
gp-143	81	13	such	such	ADJ
gp-143	81	14	as	as	ADP
gp-143	81	15	fintech	fintech	NOUN
gp-143	81	16	companies	company	NOUN
gp-143	81	17	,	,	PUNCT
gp-143	81	18	lending	lending	NOUN
gp-143	81	19	,	,	PUNCT
gp-143	81	20	and	and	CCONJ
gp-143	81	21	small	small	ADJ
gp-143	81	22	businesses	business	NOUN
gp-143	81	23	,	,	PUNCT
gp-143	81	24	indicate	indicate	VERB
gp-143	81	25	that	that	SCONJ
gp-143	81	26	although	although	SCONJ
gp-143	81	27	these	these	DET
gp-143	81	28	topics	topic	NOUN
gp-143	81	29	are	be	AUX
gp-143	81	30	covered	cover	VERB
gp-143	81	31	,	,	PUNCT
gp-143	81	32	they	they	PRON
gp-143	81	33	have	have	VERB
gp-143	81	34	a	a	DET
gp-143	81	35	lower	low	ADJ
gp-143	81	36	density	density	NOUN
gp-143	81	37	compared	compare	VERB
gp-143	81	38	to	to	ADP
gp-143	81	39	the	the	DET
gp-143	81	40	main	main	ADJ
gp-143	81	41	topics	topic	NOUN
gp-143	81	42	.	.	PUNCT
gp-143	82	1	this	this	PRON
gp-143	82	2	shows	show	VERB
gp-143	82	3	that	that	SCONJ
gp-143	82	4	research	research	NOUN
gp-143	82	5	on	on	ADP
gp-143	82	6	fintech	fintech	NOUN
gp-143	82	7	companies	company	NOUN
gp-143	82	8	,	,	PUNCT
gp-143	82	9	lending	lending	NOUN
gp-143	82	10	,	,	PUNCT
gp-143	82	11	and	and	CCONJ
gp-143	82	12	the	the	DET
gp-143	82	13	role	role	NOUN
gp-143	82	14	of	of	ADP
gp-143	82	15	technology	technology	NOUN
gp-143	82	16	in	in	ADP
gp-143	82	17	small	small	ADJ
gp-143	82	18	businesses	business	NOUN
gp-143	82	19	is	be	AUX
gp-143	82	20	still	still	ADV
gp-143	82	21	growing	grow	VERB
gp-143	82	22	,	,	PUNCT
gp-143	82	23	but	but	CCONJ
gp-143	82	24	not	not	PART
gp-143	82	25	as	as	ADV
gp-143	82	26	much	much	ADV
gp-143	82	27	as	as	ADP
gp-143	82	28	the	the	DET
gp-143	82	29	focus	focus	NOUN
gp-143	82	30	on	on	ADP
gp-143	82	31	financial	financial	ADJ
gp-143	82	32	literacy	literacy	NOUN
gp-143	82	33	.	.	PUNCT
gp-143	83	1	overall	overall	ADV
gp-143	83	2	,	,	PUNCT
gp-143	83	3	this	this	DET
gp-143	83	4	heatmap	heatmap	NOUN
gp-143	83	5	illustrates	illustrate	VERB
gp-143	83	6	that	that	SCONJ
gp-143	83	7	financial	financial	ADJ
gp-143	83	8	literacy	literacy	NOUN
gp-143	83	9	and	and	CCONJ
gp-143	83	10	financial	financial	ADJ
gp-143	83	11	services	service	NOUN
gp-143	83	12	related	relate	VERB
gp-143	83	13	to	to	ADP
gp-143	83	14	financial	financial	ADJ
gp-143	83	15	inclusion	inclusion	NOUN
gp-143	83	16	are	be	AUX
gp-143	83	17	the	the	DET
gp-143	83	18	focus	focus	NOUN
gp-143	83	19	of	of	ADP
gp-143	83	20	the	the	DET
gp-143	83	21	literature	literature	NOUN
gp-143	83	22	,	,	PUNCT
gp-143	83	23	while	while	SCONJ
gp-143	83	24	topics	topic	NOUN
gp-143	83	25	related	relate	VERB
gp-143	83	26	to	to	ADP
gp-143	83	27	fintech	fintech	NOUN
gp-143	83	28	,	,	PUNCT
gp-143	83	29	innovation	innovation	NOUN
gp-143	83	30	,	,	PUNCT
gp-143	83	31	and	and	CCONJ
gp-143	83	32	msmes	msme	NOUN
gp-143	83	33	are	be	AUX
gp-143	83	34	at	at	ADP
gp-143	83	35	a	a	DET
gp-143	83	36	lower	low	ADJ
gp-143	83	37	density	density	NOUN
gp-143	83	38	level	level	NOUN
gp-143	83	39	but	but	CCONJ
gp-143	83	40	remain	remain	VERB
gp-143	83	41	relevant	relevant	ADJ
gp-143	83	42	.	.	PUNCT
gp-143	84	1	american	american	PROPN
gp-143	84	2	journal	journal	PROPN
gp-143	84	3	of	of	ADP
gp-143	84	4	economic	economic	ADJ
gp-143	84	5	and	and	CCONJ
gp-143	84	6	management	management	NOUN
gp-143	84	7	business	business	NOUN
gp-143	84	8	vol	vol	NOUN
gp-143	84	9	.	.	PROPN
gp-143	85	1	3	3	NUM
gp-143	85	2	no	no	NOUN
gp-143	85	3	.	.	PROPN
gp-143	86	1	12	12	NUM
gp-143	86	2	december	december	PROPN
gp-143	86	3	2024	2024	NUM
gp-143	86	4	478	478	NUM
gp-143	86	5	the	the	DET
gp-143	86	6	importance	importance	NOUN
gp-143	86	7	of	of	ADP
gp-143	86	8	financial	financial	ADJ
gp-143	86	9	literacy	literacy	NOUN
gp-143	86	10	in	in	ADP
gp-143	86	11	sme	sme	PROPN
gp-143	86	12	financial	financial	PROPN
gp-143	86	13	management	management	PROPN
gp-143	86	14	vosviewer	vosviewer	NOUN
gp-143	86	15	visualization	visualization	NOUN
gp-143	86	16	reveals	reveal	VERB
gp-143	86	17	that	that	SCONJ
gp-143	86	18	financial	financial	ADJ
gp-143	86	19	literacy	literacy	NOUN
gp-143	86	20	is	be	AUX
gp-143	86	21	one	one	NUM
gp-143	86	22	of	of	ADP
gp-143	86	23	the	the	DET
gp-143	86	24	main	main	ADJ
gp-143	86	25	topics	topic	NOUN
gp-143	86	26	that	that	PRON
gp-143	86	27	is	be	AUX
gp-143	86	28	often	often	ADV
gp-143	86	29	discussed	discuss	VERB
gp-143	86	30	in	in	ADP
gp-143	86	31	the	the	DET
gp-143	86	32	literature	literature	NOUN
gp-143	86	33	related	relate	VERB
gp-143	86	34	to	to	ADP
gp-143	86	35	fintech	fintech	NOUN
gp-143	86	36	and	and	CCONJ
gp-143	86	37	smes	sme	NOUN
gp-143	86	38	(	(	PUNCT
gp-143	86	39	jennifer	jennifer	PROPN
gp-143	86	40	&	&	CCONJ
gp-143	86	41	widoatmodjo	widoatmodjo	PROPN
gp-143	86	42	,	,	PUNCT
gp-143	86	43	2023	2023	NUM
gp-143	86	44	)	)	PUNCT
gp-143	86	45	.	.	PUNCT
gp-143	87	1	financial	financial	ADJ
gp-143	87	2	literacy	literacy	NOUN
gp-143	87	3	,	,	PUNCT
gp-143	87	4	which	which	PRON
gp-143	87	5	includes	include	VERB
gp-143	87	6	a	a	DET
gp-143	87	7	basic	basic	ADJ
gp-143	87	8	understanding	understanding	NOUN
gp-143	87	9	of	of	ADP
gp-143	87	10	financial	financial	ADJ
gp-143	87	11	principles	principle	NOUN
gp-143	87	12	such	such	ADJ
gp-143	87	13	as	as	ADP
gp-143	87	14	budgeting	budgeting	NOUN
gp-143	87	15	,	,	PUNCT
gp-143	87	16	cash	cash	NOUN
gp-143	87	17	flow	flow	NOUN
gp-143	87	18	management	management	NOUN
gp-143	87	19	,	,	PUNCT
gp-143	87	20	as	as	ADV
gp-143	87	21	well	well	ADV
gp-143	87	22	as	as	ADP
gp-143	87	23	long	long	ADJ
gp-143	87	24	-	-	PUNCT
gp-143	87	25	term	term	NOUN
gp-143	87	26	financial	financial	ADJ
gp-143	87	27	planning	planning	NOUN
gp-143	87	28	,	,	PUNCT
gp-143	87	29	plays	play	VERB
gp-143	87	30	a	a	DET
gp-143	87	31	central	central	ADJ
gp-143	87	32	role	role	NOUN
gp-143	87	33	in	in	ADP
gp-143	87	34	the	the	DET
gp-143	87	35	success	success	NOUN
gp-143	87	36	of	of	ADP
gp-143	87	37	sme	sme	PROPN
gp-143	87	38	financial	financial	PROPN
gp-143	87	39	management	management	NOUN
gp-143	87	40	(	(	PUNCT
gp-143	87	41	rahayu	rahayu	PROPN
gp-143	87	42	et	et	PROPN
gp-143	87	43	al	al	PROPN
gp-143	87	44	.	.	PROPN
gp-143	87	45	,	,	PUNCT
gp-143	87	46	2023	2023	NUM
gp-143	87	47	)	)	PUNCT
gp-143	87	48	.	.	PUNCT
gp-143	88	1	smes	sme	NOUN
gp-143	88	2	with	with	ADP
gp-143	88	3	a	a	DET
gp-143	88	4	good	good	ADJ
gp-143	88	5	level	level	NOUN
gp-143	88	6	of	of	ADP
gp-143	88	7	financial	financial	ADJ
gp-143	88	8	literacy	literacy	NOUN
gp-143	88	9	are	be	AUX
gp-143	88	10	more	more	ADV
gp-143	88	11	likely	likely	ADJ
gp-143	88	12	to	to	PART
gp-143	88	13	understand	understand	VERB
gp-143	88	14	the	the	DET
gp-143	88	15	risks	risk	NOUN
gp-143	88	16	and	and	CCONJ
gp-143	88	17	opportunities	opportunity	NOUN
gp-143	88	18	that	that	PRON
gp-143	88	19	come	come	VERB
gp-143	88	20	with	with	ADP
gp-143	88	21	the	the	DET
gp-143	88	22	application	application	NOUN
gp-143	88	23	of	of	ADP
gp-143	88	24	fintech	fintech	NOUN
gp-143	88	25	,	,	PUNCT
gp-143	88	26	such	such	ADJ
gp-143	88	27	as	as	ADP
gp-143	88	28	the	the	DET
gp-143	88	29	use	use	NOUN
gp-143	88	30	of	of	ADP
gp-143	88	31	digital	digital	NOUN
gp-143	88	32	-	-	PUNCT
gp-143	88	33	based	base	VERB
gp-143	88	34	lending	lending	NOUN
gp-143	88	35	platforms	platform	NOUN
gp-143	88	36	or	or	CCONJ
gp-143	88	37	online	online	ADJ
gp-143	88	38	payment	payment	NOUN
gp-143	88	39	services	service	NOUN
gp-143	88	40	(	(	PUNCT
gp-143	88	41	khasanah	khasanah	PROPN
gp-143	88	42	&	&	CCONJ
gp-143	88	43	irawati	irawati	PROPN
gp-143	88	44	,	,	PUNCT
gp-143	88	45	2022	2022	NUM
gp-143	88	46	)	)	PUNCT
gp-143	88	47	.	.	PUNCT
gp-143	89	1	for	for	ADP
gp-143	89	2	smes	sme	NOUN
gp-143	89	3	,	,	PUNCT
gp-143	89	4	the	the	DET
gp-143	89	5	adoption	adoption	NOUN
gp-143	89	6	of	of	ADP
gp-143	89	7	financial	financial	ADJ
gp-143	89	8	technology	technology	NOUN
gp-143	89	9	is	be	AUX
gp-143	89	10	not	not	PART
gp-143	89	11	just	just	ADV
gp-143	89	12	about	about	ADP
gp-143	89	13	access	access	NOUN
gp-143	89	14	to	to	ADP
gp-143	89	15	digital	digital	ADJ
gp-143	89	16	tools	tool	NOUN
gp-143	89	17	but	but	CCONJ
gp-143	89	18	also	also	ADV
gp-143	89	19	about	about	ADP
gp-143	89	20	understanding	understand	VERB
gp-143	89	21	how	how	SCONJ
gp-143	89	22	to	to	PART
gp-143	89	23	utilize	utilize	VERB
gp-143	89	24	the	the	DET
gp-143	89	25	technology	technology	NOUN
gp-143	89	26	to	to	PART
gp-143	89	27	optimize	optimize	VERB
gp-143	89	28	financial	financial	ADJ
gp-143	89	29	management	management	NOUN
gp-143	89	30	(	(	PUNCT
gp-143	89	31	nugraha	nugraha	NOUN
gp-143	89	32	et	et	PROPN
gp-143	89	33	al	al	PROPN
gp-143	89	34	.	.	PROPN
gp-143	89	35	,	,	PUNCT
gp-143	89	36	2022	2022	NUM
gp-143	89	37	)	)	PUNCT
gp-143	89	38	.	.	PUNCT
gp-143	90	1	financial	financial	ADJ
gp-143	90	2	solid	solid	ADJ
gp-143	90	3	literacy	literacy	NOUN
gp-143	90	4	allows	allow	VERB
gp-143	90	5	sme	sme	NOUN
gp-143	90	6	owners	owner	NOUN
gp-143	90	7	to	to	PART
gp-143	90	8	make	make	VERB
gp-143	90	9	more	more	ADV
gp-143	90	10	informed	informed	ADJ
gp-143	90	11	decisions	decision	NOUN
gp-143	90	12	about	about	ADP
gp-143	90	13	financing	financing	NOUN
gp-143	90	14	,	,	PUNCT
gp-143	90	15	debt	debt	NOUN
gp-143	90	16	management	management	NOUN
gp-143	90	17	,	,	PUNCT
gp-143	90	18	and	and	CCONJ
gp-143	90	19	investment	investment	NOUN
gp-143	90	20	and	and	CCONJ
gp-143	90	21	understand	understand	VERB
gp-143	90	22	the	the	DET
gp-143	90	23	implications	implication	NOUN
gp-143	90	24	of	of	ADP
gp-143	90	25	any	any	DET
gp-143	90	26	financial	financial	ADJ
gp-143	90	27	action	action	NOUN
gp-143	90	28	they	they	PRON
gp-143	90	29	take	take	VERB
gp-143	90	30	through	through	ADP
gp-143	90	31	fintech	fintech	NOUN
gp-143	90	32	(	(	PUNCT
gp-143	90	33	nur	nur	VERB
gp-143	90	34	hamidah	hamidah	PROPN
gp-143	90	35	et	et	PROPN
gp-143	90	36	al	al	PROPN
gp-143	90	37	.	.	PROPN
gp-143	90	38	,	,	PUNCT
gp-143	90	39	2020	2020	NUM
gp-143	90	40	)	)	PUNCT
gp-143	90	41	.	.	PUNCT
gp-143	91	1	this	this	PRON
gp-143	91	2	helps	help	VERB
gp-143	91	3	reduce	reduce	VERB
gp-143	91	4	the	the	DET
gp-143	91	5	risk	risk	NOUN
gp-143	91	6	of	of	ADP
gp-143	91	7	bankruptcy	bankruptcy	NOUN
gp-143	91	8	that	that	PRON
gp-143	91	9	many	many	ADJ
gp-143	91	10	smes	sme	NOUN
gp-143	91	11	face	face	VERB
gp-143	91	12	,	,	PUNCT
gp-143	91	13	especially	especially	ADV
gp-143	91	14	in	in	ADP
gp-143	91	15	an	an	DET
gp-143	91	16	uncertain	uncertain	ADJ
gp-143	91	17	economic	economic	ADJ
gp-143	91	18	situation	situation	NOUN
gp-143	91	19	.	.	PUNCT
gp-143	92	1	in	in	ADP
gp-143	92	2	addition	addition	NOUN
gp-143	92	3	,	,	PUNCT
gp-143	92	4	research	research	NOUN
gp-143	92	5	shows	show	VERB
gp-143	92	6	that	that	SCONJ
gp-143	92	7	financial	financial	ADJ
gp-143	92	8	literacy	literacy	NOUN
gp-143	92	9	plays	play	VERB
gp-143	92	10	a	a	DET
gp-143	92	11	role	role	NOUN
gp-143	92	12	in	in	ADP
gp-143	92	13	increasing	increase	VERB
gp-143	92	14	the	the	DET
gp-143	92	15	effectiveness	effectiveness	NOUN
gp-143	92	16	of	of	ADP
gp-143	92	17	fintech	fintech	NOUN
gp-143	92	18	among	among	ADP
gp-143	92	19	smes	sme	NOUN
gp-143	92	20	(	(	PUNCT
gp-143	92	21	widiawati	widiawati	PROPN
gp-143	92	22	et	et	PROPN
gp-143	92	23	al	al	PROPN
gp-143	92	24	.	.	PROPN
gp-143	92	25	,	,	PUNCT
gp-143	92	26	2023	2023	NUM
gp-143	92	27	)	)	PUNCT
gp-143	92	28	.	.	PUNCT
gp-143	93	1	without	without	ADP
gp-143	93	2	a	a	DET
gp-143	93	3	sufficient	sufficient	ADJ
gp-143	93	4	understanding	understanding	NOUN
gp-143	93	5	of	of	ADP
gp-143	93	6	how	how	SCONJ
gp-143	93	7	to	to	PART
gp-143	93	8	properly	properly	ADV
gp-143	93	9	utilize	utilize	VERB
gp-143	93	10	fintech	fintech	NOUN
gp-143	93	11	,	,	PUNCT
gp-143	93	12	there	there	PRON
gp-143	93	13	is	be	VERB
gp-143	93	14	a	a	DET
gp-143	93	15	possibility	possibility	NOUN
gp-143	93	16	that	that	SCONJ
gp-143	93	17	smes	sme	NOUN
gp-143	93	18	will	will	AUX
gp-143	93	19	not	not	PART
gp-143	93	20	fully	fully	ADV
gp-143	93	21	experience	experience	VERB
gp-143	93	22	the	the	DET
gp-143	93	23	benefits	benefit	NOUN
gp-143	93	24	of	of	ADP
gp-143	93	25	this	this	DET
gp-143	93	26	technology	technology	NOUN
gp-143	93	27	,	,	PUNCT
gp-143	93	28	such	such	ADJ
gp-143	93	29	as	as	ADP
gp-143	93	30	more	more	ADV
gp-143	93	31	accessible	accessible	ADJ
gp-143	93	32	access	access	NOUN
gp-143	93	33	to	to	ADP
gp-143	93	34	financing	financing	NOUN
gp-143	93	35	or	or	CCONJ
gp-143	93	36	transaction	transaction	NOUN
gp-143	93	37	efficiency	efficiency	NOUN
gp-143	93	38	.	.	PUNCT
gp-143	94	1	therefore	therefore	ADV
gp-143	94	2	,	,	PUNCT
gp-143	94	3	the	the	DET
gp-143	94	4	integration	integration	NOUN
gp-143	94	5	of	of	ADP
gp-143	94	6	financial	financial	ADJ
gp-143	94	7	literacy	literacy	NOUN
gp-143	94	8	with	with	ADP
gp-143	94	9	fintech	fintech	NOUN
gp-143	94	10	adoption	adoption	NOUN
gp-143	94	11	is	be	AUX
gp-143	94	12	a	a	DET
gp-143	94	13	crucial	crucial	ADJ
gp-143	94	14	element	element	NOUN
gp-143	94	15	in	in	ADP
gp-143	94	16	a	a	DET
gp-143	94	17	more	more	ADV
gp-143	94	18	sustainable	sustainable	ADJ
gp-143	94	19	sme	sme	NOUN
gp-143	94	20	development	development	NOUN
gp-143	94	21	strategy	strategy	NOUN
gp-143	94	22	(	(	PUNCT
gp-143	94	23	winarsih	winarsih	NOUN
gp-143	94	24	et	et	PROPN
gp-143	94	25	al	al	PROPN
gp-143	94	26	.	.	PROPN
gp-143	94	27	,	,	PUNCT
gp-143	94	28	2020	2020	NUM
gp-143	94	29	)	)	PUNCT
gp-143	94	30	.	.	PUNCT
gp-143	95	1	financial	financial	ADJ
gp-143	95	2	literacy	literacy	NOUN
gp-143	95	3	training	training	NOUN
gp-143	95	4	and	and	CCONJ
gp-143	95	5	education	education	NOUN
gp-143	95	6	are	be	AUX
gp-143	95	7	important	important	ADJ
gp-143	95	8	so	so	SCONJ
gp-143	95	9	that	that	SCONJ
gp-143	95	10	smes	sme	NOUN
gp-143	95	11	can	can	AUX
gp-143	95	12	understand	understand	VERB
gp-143	95	13	not	not	PART
gp-143	95	14	only	only	ADV
gp-143	95	15	the	the	DET
gp-143	95	16	function	function	NOUN
gp-143	95	17	of	of	ADP
gp-143	95	18	fintech	fintech	NOUN
gp-143	95	19	tools	tool	NOUN
gp-143	95	20	but	but	CCONJ
gp-143	95	21	also	also	ADV
gp-143	95	22	how	how	SCONJ
gp-143	95	23	to	to	PART
gp-143	95	24	utilize	utilize	VERB
gp-143	95	25	them	they	PRON
gp-143	95	26	for	for	ADP
gp-143	95	27	long	long	ADJ
gp-143	95	28	-	-	PUNCT
gp-143	95	29	term	term	NOUN
gp-143	95	30	business	business	NOUN
gp-143	95	31	growth	growth	NOUN
gp-143	95	32	and	and	CCONJ
gp-143	95	33	stability	stability	NOUN
gp-143	95	34	(	(	PUNCT
gp-143	95	35	nur	nur	VERB
gp-143	95	36	hamidah	hamidah	PROPN
gp-143	95	37	et	et	PROPN
gp-143	95	38	al	al	PROPN
gp-143	95	39	.	.	PROPN
gp-143	95	40	,	,	PUNCT
gp-143	95	41	2020	2020	NUM
gp-143	95	42	)	)	PUNCT
gp-143	95	43	.	.	PUNCT
gp-143	96	1	thus	thus	ADV
gp-143	96	2	,	,	PUNCT
gp-143	96	3	financial	financial	ADJ
gp-143	96	4	literacy	literacy	NOUN
gp-143	96	5	not	not	PART
gp-143	96	6	only	only	ADV
gp-143	96	7	supports	support	VERB
gp-143	96	8	fintech	fintech	NOUN
gp-143	96	9	adoption	adoption	NOUN
gp-143	96	10	but	but	CCONJ
gp-143	96	11	also	also	ADV
gp-143	96	12	prepares	prepare	VERB
gp-143	96	13	smes	sme	NOUN
gp-143	96	14	to	to	PART
gp-143	96	15	face	face	VERB
gp-143	96	16	challenges	challenge	NOUN
gp-143	96	17	and	and	CCONJ
gp-143	96	18	take	take	VERB
gp-143	96	19	advantage	advantage	NOUN
gp-143	96	20	of	of	ADP
gp-143	96	21	the	the	DET
gp-143	96	22	opportunities	opportunity	NOUN
gp-143	96	23	offered	offer	VERB
gp-143	96	24	by	by	ADP
gp-143	96	25	financial	financial	ADJ
gp-143	96	26	technology	technology	NOUN
gp-143	96	27	to	to	PART
gp-143	96	28	improve	improve	VERB
gp-143	96	29	their	their	PRON
gp-143	96	30	competitiveness	competitiveness	NOUN
gp-143	96	31	and	and	CCONJ
gp-143	96	32	efficiency	efficiency	NOUN
gp-143	96	33	.	.	PUNCT
gp-143	97	1	financial	financial	ADJ
gp-143	97	2	inclusion	inclusion	NOUN
gp-143	97	3	as	as	ADP
gp-143	97	4	a	a	DET
gp-143	97	5	supporting	support	VERB
gp-143	97	6	factor	factor	NOUN
gp-143	97	7	for	for	ADP
gp-143	97	8	fintech	fintech	NOUN
gp-143	97	9	effectiveness	effectiveness	NOUN
gp-143	97	10	in	in	ADP
gp-143	97	11	the	the	DET
gp-143	97	12	visualization	visualization	NOUN
gp-143	97	13	generated	generate	VERB
gp-143	97	14	by	by	ADP
gp-143	97	15	vosviewer	vosviewer	NOUN
gp-143	97	16	,	,	PUNCT
gp-143	97	17	the	the	DET
gp-143	97	18	topic	topic	NOUN
gp-143	97	19	of	of	ADP
gp-143	97	20	financial	financial	ADJ
gp-143	97	21	inclusion	inclusion	NOUN
gp-143	97	22	stands	stand	VERB
gp-143	97	23	out	out	ADP
gp-143	97	24	as	as	ADP
gp-143	97	25	one	one	NUM
gp-143	97	26	of	of	ADP
gp-143	97	27	the	the	DET
gp-143	97	28	important	important	ADJ
gp-143	97	29	factors	factor	NOUN
gp-143	97	30	in	in	ADP
gp-143	97	31	the	the	DET
gp-143	97	32	literature	literature	NOUN
gp-143	97	33	that	that	PRON
gp-143	97	34	discusses	discuss	VERB
gp-143	97	35	fintech	fintech	NOUN
gp-143	97	36	and	and	CCONJ
gp-143	97	37	smes	sme	NOUN
gp-143	97	38	(	(	PUNCT
gp-143	97	39	cahyawati	cahyawati	PROPN
gp-143	97	40	et	et	PROPN
gp-143	97	41	al	al	PROPN
gp-143	97	42	.	.	PROPN
gp-143	97	43	,	,	PUNCT
gp-143	97	44	2023	2023	NUM
gp-143	97	45	)	)	PUNCT
gp-143	97	46	.	.	PUNCT
gp-143	98	1	financial	financial	ADJ
gp-143	98	2	inclusion	inclusion	NOUN
gp-143	98	3	refers	refer	VERB
gp-143	98	4	to	to	ADP
gp-143	98	5	efforts	effort	NOUN
gp-143	98	6	to	to	PART
gp-143	98	7	ensure	ensure	VERB
gp-143	98	8	that	that	SCONJ
gp-143	98	9	all	all	DET
gp-143	98	10	individuals	individual	NOUN
gp-143	98	11	and	and	CCONJ
gp-143	98	12	businesses	business	NOUN
gp-143	98	13	,	,	PUNCT
gp-143	98	14	especially	especially	ADV
gp-143	98	15	those	those	PRON
gp-143	98	16	previously	previously	ADV
gp-143	98	17	underserved	underserve	VERB
gp-143	98	18	by	by	ADP
gp-143	98	19	the	the	DET
gp-143	98	20	formal	formal	ADJ
gp-143	98	21	financial	financial	ADJ
gp-143	98	22	system	system	NOUN
gp-143	98	23	,	,	PUNCT
gp-143	98	24	have	have	VERB
gp-143	98	25	equal	equal	ADJ
gp-143	98	26	access	access	NOUN
gp-143	98	27	to	to	ADP
gp-143	98	28	a	a	DET
gp-143	98	29	wide	wide	ADJ
gp-143	98	30	range	range	NOUN
gp-143	98	31	of	of	ADP
gp-143	98	32	financial	financial	ADJ
gp-143	98	33	products	product	NOUN
gp-143	98	34	and	and	CCONJ
gp-143	98	35	services	service	NOUN
gp-143	98	36	(	(	PUNCT
gp-143	98	37	seo	seo	PROPN
gp-143	98	38	&	&	CCONJ
gp-143	98	39	yoo	yoo	PROPN
gp-143	98	40	,	,	PUNCT
gp-143	98	41	2020	2020	NUM
gp-143	98	42	)	)	PUNCT
gp-143	98	43	.	.	PUNCT
gp-143	99	1	the	the	DET
gp-143	99	2	use	use	NOUN
gp-143	99	3	of	of	ADP
gp-143	99	4	fintech	fintech	NOUN
gp-143	99	5	in	in	ADP
gp-143	99	6	the	the	DET
gp-143	99	7	context	context	NOUN
gp-143	99	8	of	of	ADP
gp-143	99	9	smes	sme	NOUN
gp-143	99	10	is	be	AUX
gp-143	99	11	closely	closely	ADV
gp-143	99	12	related	relate	VERB
gp-143	99	13	to	to	ADP
gp-143	99	14	increased	increase	VERB
gp-143	99	15	financial	financial	ADJ
gp-143	99	16	inclusion	inclusion	NOUN
gp-143	99	17	,	,	PUNCT
gp-143	99	18	where	where	SCONJ
gp-143	99	19	financial	financial	ADJ
gp-143	99	20	technology	technology	NOUN
gp-143	99	21	provides	provide	VERB
gp-143	99	22	wider	wide	ADJ
gp-143	99	23	and	and	CCONJ
gp-143	99	24	easier	easy	ADJ
gp-143	99	25	access	access	NOUN
gp-143	99	26	to	to	ADP
gp-143	99	27	services	service	NOUN
gp-143	99	28	that	that	PRON
gp-143	99	29	were	be	AUX
gp-143	99	30	previously	previously	ADV
gp-143	99	31	difficult	difficult	ADJ
gp-143	99	32	to	to	PART
gp-143	99	33	reach	reach	VERB
gp-143	99	34	,	,	PUNCT
gp-143	99	35	such	such	ADJ
gp-143	99	36	as	as	ADP
gp-143	99	37	loans	loan	NOUN
gp-143	99	38	,	,	PUNCT
gp-143	99	39	insurance	insurance	NOUN
gp-143	99	40	,	,	PUNCT
gp-143	99	41	and	and	CCONJ
gp-143	99	42	digital	digital	ADJ
gp-143	99	43	payments	payment	NOUN
gp-143	99	44	(	(	PUNCT
gp-143	99	45	dwijayanti	dwijayanti	PROPN
gp-143	99	46	et	et	PROPN
gp-143	99	47	al	al	PROPN
gp-143	99	48	.	.	PROPN
gp-143	99	49	,	,	PUNCT
gp-143	99	50	2022	2022	NUM
gp-143	99	51	)	)	PUNCT
gp-143	99	52	.	.	PUNCT
gp-143	100	1	many	many	ADJ
gp-143	100	2	smes	sme	NOUN
gp-143	100	3	fall	fall	VERB
gp-143	100	4	into	into	ADP
gp-143	100	5	the	the	DET
gp-143	100	6	underbanked	underbanked	ADJ
gp-143	100	7	or	or	CCONJ
gp-143	100	8	even	even	ADV
gp-143	100	9	unbanked	unbanked	ADJ
gp-143	100	10	category	category	NOUN
gp-143	100	11	,	,	PUNCT
gp-143	100	12	meaning	mean	VERB
gp-143	100	13	they	they	PRON
gp-143	100	14	have	have	AUX
gp-143	100	15	limited	limit	VERB
gp-143	100	16	or	or	CCONJ
gp-143	100	17	no	no	DET
gp-143	100	18	access	access	NOUN
gp-143	100	19	to	to	ADP
gp-143	100	20	traditional	traditional	ADJ
gp-143	100	21	financial	financial	ADJ
gp-143	100	22	services	service	NOUN
gp-143	100	23	such	such	ADJ
gp-143	100	24	as	as	ADP
gp-143	100	25	banking	banking	NOUN
gp-143	100	26	(	(	PUNCT
gp-143	100	27	pambudianti	pambudianti	X
gp-143	100	28	et	et	PROPN
gp-143	100	29	al	al	PROPN
gp-143	100	30	.	.	PROPN
gp-143	100	31	,	,	PUNCT
gp-143	100	32	2020	2020	NUM
gp-143	100	33	)	)	PUNCT
gp-143	100	34	.	.	PUNCT
gp-143	101	1	through	through	ADP
gp-143	101	2	fintech	fintech	NOUN
gp-143	101	3	,	,	PUNCT
gp-143	101	4	these	these	DET
gp-143	101	5	smes	sme	NOUN
gp-143	101	6	can	can	AUX
gp-143	101	7	obtain	obtain	VERB
gp-143	101	8	more	more	ADV
gp-143	101	9	affordable	affordable	ADJ
gp-143	101	10	,	,	PUNCT
gp-143	101	11	fast	fast	ADJ
gp-143	101	12	,	,	PUNCT
gp-143	101	13	and	and	CCONJ
gp-143	101	14	practical	practical	ADJ
gp-143	101	15	financial	financial	ADJ
gp-143	101	16	services	service	NOUN
gp-143	101	17	without	without	ADP
gp-143	101	18	having	have	VERB
gp-143	101	19	to	to	PART
gp-143	101	20	rely	rely	VERB
gp-143	101	21	on	on	ADP
gp-143	101	22	formal	formal	ADJ
gp-143	101	23	financial	financial	ADJ
gp-143	101	24	institutions	institution	NOUN
gp-143	101	25	such	such	ADJ
gp-143	101	26	as	as	ADP
gp-143	101	27	banks	bank	NOUN
gp-143	101	28	(	(	PUNCT
gp-143	101	29	erlianta	erlianta	PROPN
gp-143	101	30	et	et	PROPN
gp-143	101	31	al	al	PROPN
gp-143	101	32	.	.	PROPN
gp-143	101	33	,	,	PUNCT
gp-143	101	34	2021	2021	NUM
gp-143	101	35	)	)	PUNCT
gp-143	101	36	.	.	PUNCT
gp-143	102	1	for	for	ADP
gp-143	102	2	example	example	NOUN
gp-143	102	3	,	,	PUNCT
gp-143	102	4	fintech	fintech	NOUN
gp-143	102	5	lending	lending	NOUN
gp-143	102	6	platforms	platform	NOUN
gp-143	102	7	allow	allow	VERB
gp-143	102	8	smes	sme	NOUN
gp-143	102	9	to	to	PART
gp-143	102	10	obtain	obtain	VERB
gp-143	102	11	funding	funding	NOUN
gp-143	102	12	through	through	ADP
gp-143	102	13	a	a	DET
gp-143	102	14	peer	peer	NOUN
gp-143	102	15	-	-	PUNCT
gp-143	102	16	to	to	ADP
gp-143	102	17	-	-	PUNCT
gp-143	102	18	peer	peer	NOUN
gp-143	102	19	lending	lending	NOUN
gp-143	102	20	husnayetti	husnayetti	PROPN
gp-143	102	21	,	,	PUNCT
gp-143	102	22	tri	tri	PROPN
gp-143	102	23	budi	budi	PROPN
gp-143	102	24	astuti	astuti	PROPN
gp-143	102	25	,	,	PUNCT
gp-143	102	26	junarti	junarti	NOUN
gp-143	102	27	479	479	NUM
gp-143	102	28	mechanism	mechanism	NOUN
gp-143	102	29	,	,	PUNCT
gp-143	102	30	where	where	SCONJ
gp-143	102	31	they	they	PRON
gp-143	102	32	can	can	AUX
gp-143	102	33	apply	apply	VERB
gp-143	102	34	for	for	ADP
gp-143	102	35	loans	loan	NOUN
gp-143	102	36	with	with	ADP
gp-143	102	37	a	a	DET
gp-143	102	38	more	more	ADV
gp-143	102	39	straightforward	straightforward	ADJ
gp-143	102	40	process	process	NOUN
gp-143	102	41	and	and	CCONJ
gp-143	102	42	more	more	ADV
gp-143	102	43	flexible	flexible	ADJ
gp-143	102	44	terms	term	NOUN
gp-143	102	45	compared	compare	VERB
gp-143	102	46	to	to	ADP
gp-143	102	47	traditional	traditional	ADJ
gp-143	102	48	bank	bank	NOUN
gp-143	102	49	loans	loan	NOUN
gp-143	102	50	(	(	PUNCT
gp-143	102	51	dwijayanti	dwijayanti	PROPN
gp-143	102	52	et	et	PROPN
gp-143	102	53	al	al	PROPN
gp-143	102	54	.	.	PROPN
gp-143	102	55	,	,	PUNCT
gp-143	102	56	2022	2022	NUM
gp-143	102	57	)	)	PUNCT
gp-143	102	58	.	.	PUNCT
gp-143	103	1	financial	financial	ADJ
gp-143	103	2	inclusion	inclusion	NOUN
gp-143	103	3	is	be	AUX
gp-143	103	4	one	one	NUM
gp-143	103	5	of	of	ADP
gp-143	103	6	the	the	DET
gp-143	103	7	important	important	ADJ
gp-143	103	8	indicators	indicator	NOUN
gp-143	103	9	in	in	ADP
gp-143	103	10	assessing	assess	VERB
gp-143	103	11	the	the	DET
gp-143	103	12	effectiveness	effectiveness	NOUN
gp-143	103	13	of	of	ADP
gp-143	103	14	fintech	fintech	NOUN
gp-143	103	15	because	because	SCONJ
gp-143	103	16	one	one	NUM
gp-143	103	17	of	of	ADP
gp-143	103	18	the	the	DET
gp-143	103	19	main	main	ADJ
gp-143	103	20	goals	goal	NOUN
gp-143	103	21	of	of	ADP
gp-143	103	22	fintech	fintech	NOUN
gp-143	103	23	is	be	AUX
gp-143	103	24	to	to	PART
gp-143	103	25	expand	expand	VERB
gp-143	103	26	financial	financial	ADJ
gp-143	103	27	access	access	NOUN
gp-143	103	28	for	for	ADP
gp-143	103	29	segments	segment	NOUN
gp-143	103	30	of	of	ADP
gp-143	103	31	society	society	NOUN
gp-143	103	32	that	that	PRON
gp-143	103	33	the	the	DET
gp-143	103	34	formal	formal	ADJ
gp-143	103	35	financial	financial	ADJ
gp-143	103	36	system	system	NOUN
gp-143	103	37	has	have	AUX
gp-143	103	38	not	not	PART
gp-143	103	39	well	well	ADV
gp-143	103	40	served	serve	VERB
gp-143	103	41	(	(	PUNCT
gp-143	103	42	erlianta	erlianta	PROPN
gp-143	103	43	et	et	PROPN
gp-143	103	44	al	al	PROPN
gp-143	103	45	.	.	PROPN
gp-143	103	46	,	,	PUNCT
gp-143	103	47	2021	2021	NUM
gp-143	103	48	)	)	PUNCT
gp-143	103	49	.	.	PUNCT
gp-143	104	1	the	the	DET
gp-143	104	2	more	more	ADJ
gp-143	104	3	smes	sme	NOUN
gp-143	104	4	that	that	PRON
gp-143	104	5	are	be	AUX
gp-143	104	6	connected	connect	VERB
gp-143	104	7	to	to	ADP
gp-143	104	8	financial	financial	ADJ
gp-143	104	9	services	service	NOUN
gp-143	104	10	through	through	ADP
gp-143	104	11	fintech	fintech	NOUN
gp-143	104	12	,	,	PUNCT
gp-143	104	13	the	the	PRON
gp-143	104	14	greater	great	ADJ
gp-143	104	15	the	the	DET
gp-143	104	16	potential	potential	NOUN
gp-143	104	17	for	for	ADP
gp-143	104	18	growth	growth	NOUN
gp-143	104	19	and	and	CCONJ
gp-143	104	20	development	development	NOUN
gp-143	104	21	of	of	ADP
gp-143	104	22	these	these	DET
gp-143	104	23	smes	sme	NOUN
gp-143	104	24	.	.	PUNCT
gp-143	105	1	therefore	therefore	ADV
gp-143	105	2	,	,	PUNCT
gp-143	105	3	in	in	ADP
gp-143	105	4	this	this	DET
gp-143	105	5	systematic	systematic	ADJ
gp-143	105	6	review	review	NOUN
gp-143	105	7	,	,	PUNCT
gp-143	105	8	financial	financial	ADJ
gp-143	105	9	inclusion	inclusion	NOUN
gp-143	105	10	should	should	AUX
gp-143	105	11	be	be	AUX
gp-143	105	12	considered	consider	VERB
gp-143	105	13	as	as	ADP
gp-143	105	14	a	a	DET
gp-143	105	15	key	key	ADJ
gp-143	105	16	aspect	aspect	NOUN
gp-143	105	17	that	that	PRON
gp-143	105	18	not	not	PART
gp-143	105	19	only	only	ADV
gp-143	105	20	supports	support	VERB
gp-143	105	21	fintech	fintech	NOUN
gp-143	105	22	adoption	adoption	NOUN
gp-143	105	23	but	but	CCONJ
gp-143	105	24	also	also	ADV
gp-143	105	25	affects	affect	VERB
gp-143	105	26	the	the	DET
gp-143	105	27	positive	positive	ADJ
gp-143	105	28	impact	impact	NOUN
gp-143	105	29	that	that	PRON
gp-143	105	30	smes	sme	NOUN
gp-143	105	31	can	can	AUX
gp-143	105	32	feel	feel	VERB
gp-143	105	33	.	.	PUNCT
gp-143	106	1	with	with	ADP
gp-143	106	2	increasing	increase	VERB
gp-143	106	3	financial	financial	ADJ
gp-143	106	4	inclusion	inclusion	NOUN
gp-143	106	5	,	,	PUNCT
gp-143	106	6	smes	sme	NOUN
gp-143	106	7	can	can	AUX
gp-143	106	8	develop	develop	VERB
gp-143	106	9	their	their	PRON
gp-143	106	10	businesses	business	NOUN
gp-143	106	11	further	far	ADV
gp-143	106	12	,	,	PUNCT
gp-143	106	13	increase	increase	VERB
gp-143	106	14	competitiveness	competitiveness	NOUN
gp-143	106	15	,	,	PUNCT
gp-143	106	16	and	and	CCONJ
gp-143	106	17	gain	gain	VERB
gp-143	106	18	access	access	NOUN
gp-143	106	19	to	to	ADP
gp-143	106	20	a	a	DET
gp-143	106	21	range	range	NOUN
gp-143	106	22	of	of	ADP
gp-143	106	23	financial	financial	ADJ
gp-143	106	24	resources	resource	NOUN
gp-143	106	25	that	that	PRON
gp-143	106	26	are	be	AUX
gp-143	106	27	essential	essential	ADJ
gp-143	106	28	for	for	ADP
gp-143	106	29	long	long	ADJ
gp-143	106	30	-	-	PUNCT
gp-143	106	31	term	term	NOUN
gp-143	106	32	growth	growth	NOUN
gp-143	106	33	.	.	PUNCT
gp-143	107	1	the	the	DET
gp-143	107	2	role	role	NOUN
gp-143	107	3	of	of	ADP
gp-143	107	4	financial	financial	ADJ
gp-143	107	5	management	management	NOUN
gp-143	107	6	and	and	CCONJ
gp-143	107	7	financial	financial	ADJ
gp-143	107	8	behavior	behavior	NOUN
gp-143	107	9	the	the	DET
gp-143	107	10	topic	topic	NOUN
gp-143	107	11	of	of	ADP
gp-143	107	12	sme	sme	PROPN
gp-143	107	13	financial	financial	PROPN
gp-143	107	14	management	management	PROPN
gp-143	107	15	and	and	CCONJ
gp-143	107	16	financial	financial	ADJ
gp-143	107	17	behavior	behavior	NOUN
gp-143	107	18	is	be	AUX
gp-143	107	19	an	an	DET
gp-143	107	20	important	important	ADJ
gp-143	107	21	part	part	NOUN
gp-143	107	22	of	of	ADP
gp-143	107	23	the	the	DET
gp-143	107	24	literature	literature	NOUN
gp-143	107	25	that	that	PRON
gp-143	107	26	discusses	discuss	VERB
gp-143	107	27	fintech	fintech	NOUN
gp-143	107	28	(	(	PUNCT
gp-143	107	29	agustina	agustina	PROPN
gp-143	107	30	,	,	PUNCT
gp-143	107	31	2023	2023	NUM
gp-143	107	32	)	)	PUNCT
gp-143	107	33	(	(	PUNCT
gp-143	107	34	handayani	handayani	ADJ
gp-143	107	35	,	,	PUNCT
gp-143	107	36	2023	2023	NUM
gp-143	107	37	)	)	PUNCT
gp-143	107	38	.	.	PUNCT
gp-143	108	1	the	the	DET
gp-143	108	2	effectiveness	effectiveness	NOUN
gp-143	108	3	of	of	ADP
gp-143	108	4	fintech	fintech	NOUN
gp-143	108	5	in	in	ADP
gp-143	108	6	supporting	support	VERB
gp-143	108	7	smes	sme	NOUN
gp-143	108	8	is	be	AUX
gp-143	108	9	highly	highly	ADV
gp-143	108	10	dependent	dependent	ADJ
gp-143	108	11	on	on	ADP
gp-143	108	12	how	how	SCONJ
gp-143	108	13	this	this	DET
gp-143	108	14	technology	technology	NOUN
gp-143	108	15	affects	affect	VERB
gp-143	108	16	critical	critical	ADJ
gp-143	108	17	aspects	aspect	NOUN
gp-143	108	18	of	of	ADP
gp-143	108	19	sme	sme	PROPN
gp-143	108	20	financial	financial	PROPN
gp-143	108	21	management	management	NOUN
gp-143	108	22	,	,	PUNCT
gp-143	108	23	such	such	ADJ
gp-143	108	24	as	as	ADP
gp-143	108	25	financial	financial	ADJ
gp-143	108	26	planning	planning	NOUN
gp-143	108	27	,	,	PUNCT
gp-143	108	28	financial	financial	ADJ
gp-143	108	29	record	record	NOUN
gp-143	108	30	-	-	PUNCT
gp-143	108	31	keeping	keeping	NOUN
gp-143	108	32	,	,	PUNCT
gp-143	108	33	and	and	CCONJ
gp-143	108	34	cash	cash	NOUN
gp-143	108	35	management	management	NOUN
gp-143	108	36	(	(	PUNCT
gp-143	108	37	nugraha	nugraha	NOUN
gp-143	108	38	et	et	PROPN
gp-143	108	39	al	al	PROPN
gp-143	108	40	.	.	PROPN
gp-143	108	41	,	,	PUNCT
gp-143	108	42	2022	2022	NUM
gp-143	108	43	)	)	PUNCT
gp-143	108	44	.	.	PUNCT
gp-143	109	1	fintech	fintech	NOUN
gp-143	109	2	presents	present	VERB
gp-143	109	3	various	various	ADJ
gp-143	109	4	tools	tool	NOUN
gp-143	109	5	that	that	PRON
gp-143	109	6	help	help	VERB
gp-143	109	7	smes	sme	NOUN
gp-143	109	8	to	to	PART
gp-143	109	9	be	be	AUX
gp-143	109	10	more	more	ADV
gp-143	109	11	structured	structured	ADJ
gp-143	109	12	and	and	CCONJ
gp-143	109	13	transparent	transparent	ADJ
gp-143	109	14	in	in	ADP
gp-143	109	15	managing	manage	VERB
gp-143	109	16	their	their	PRON
gp-143	109	17	finances	finance	NOUN
gp-143	109	18	(	(	PUNCT
gp-143	109	19	winarsih	winarsih	X
gp-143	109	20	et	et	PROPN
gp-143	109	21	al	al	PROPN
gp-143	109	22	.	.	PROPN
gp-143	109	23	,	,	PUNCT
gp-143	109	24	2020	2020	NUM
gp-143	109	25	)	)	PUNCT
gp-143	109	26	.	.	PUNCT
gp-143	110	1	through	through	ADP
gp-143	110	2	fintech	fintech	NOUN
gp-143	110	3	applications	application	NOUN
gp-143	110	4	,	,	PUNCT
gp-143	110	5	smes	sme	NOUN
gp-143	110	6	can	can	AUX
gp-143	110	7	record	record	VERB
gp-143	110	8	their	their	PRON
gp-143	110	9	finances	finance	NOUN
gp-143	110	10	in	in	ADP
gp-143	110	11	real	real	ADJ
gp-143	110	12	-	-	PUNCT
gp-143	110	13	time	time	NOUN
gp-143	110	14	,	,	PUNCT
gp-143	110	15	monitor	monitor	VERB
gp-143	110	16	cash	cash	NOUN
gp-143	110	17	flow	flow	NOUN
gp-143	110	18	more	more	ADV
gp-143	110	19	efficiently	efficiently	ADV
gp-143	110	20	,	,	PUNCT
gp-143	110	21	and	and	CCONJ
gp-143	110	22	gain	gain	VERB
gp-143	110	23	access	access	NOUN
gp-143	110	24	to	to	ADP
gp-143	110	25	more	more	ADV
gp-143	110	26	accurate	accurate	ADJ
gp-143	110	27	financial	financial	ADJ
gp-143	110	28	data	datum	NOUN
gp-143	110	29	for	for	ADP
gp-143	110	30	business	business	NOUN
gp-143	110	31	decision	decision	NOUN
gp-143	110	32	-	-	PUNCT
gp-143	110	33	making	making	NOUN
gp-143	110	34	(	(	PUNCT
gp-143	110	35	chen	chen	PROPN
gp-143	110	36	et	et	PROPN
gp-143	110	37	al	al	PROPN
gp-143	110	38	.	.	PROPN
gp-143	110	39	,	,	PUNCT
gp-143	110	40	2019	2019	NUM
gp-143	110	41	)	)	PUNCT
gp-143	110	42	.	.	PUNCT
gp-143	111	1	in	in	ADP
gp-143	111	2	addition	addition	NOUN
gp-143	111	3	,	,	PUNCT
gp-143	111	4	fintech	fintech	NOUN
gp-143	111	5	also	also	ADV
gp-143	111	6	offers	offer	VERB
gp-143	111	7	ease	ease	NOUN
gp-143	111	8	in	in	ADP
gp-143	111	9	cash	cash	NOUN
gp-143	111	10	and	and	CCONJ
gp-143	111	11	working	work	VERB
gp-143	111	12	capital	capital	NOUN
gp-143	111	13	management	management	NOUN
gp-143	111	14	,	,	PUNCT
gp-143	111	15	for	for	ADP
gp-143	111	16	example	example	NOUN
gp-143	111	17	,	,	PUNCT
gp-143	111	18	by	by	ADP
gp-143	111	19	providing	provide	VERB
gp-143	111	20	access	access	NOUN
gp-143	111	21	to	to	ADP
gp-143	111	22	digital	digital	ADJ
gp-143	111	23	lending	lending	NOUN
gp-143	111	24	platforms	platform	NOUN
gp-143	111	25	,	,	PUNCT
gp-143	111	26	automatic	automatic	ADJ
gp-143	111	27	payments	payment	NOUN
gp-143	111	28	,	,	PUNCT
gp-143	111	29	or	or	CCONJ
gp-143	111	30	faster	fast	ADJ
gp-143	111	31	invoicing	invoicing	NOUN
gp-143	111	32	solutions	solution	NOUN
gp-143	111	33	(	(	PUNCT
gp-143	111	34	seo	seo	NOUN
gp-143	111	35	&	&	CCONJ
gp-143	111	36	yoo	yoo	PROPN
gp-143	111	37	,	,	PUNCT
gp-143	111	38	2020	2020	NUM
gp-143	111	39	)	)	PUNCT
gp-143	111	40	.	.	PUNCT
gp-143	112	1	thus	thus	ADV
gp-143	112	2	,	,	PUNCT
gp-143	112	3	this	this	DET
gp-143	112	4	technology	technology	NOUN
gp-143	112	5	helps	help	VERB
gp-143	112	6	improve	improve	VERB
gp-143	112	7	the	the	DET
gp-143	112	8	operational	operational	ADJ
gp-143	112	9	efficiency	efficiency	NOUN
gp-143	112	10	of	of	ADP
gp-143	112	11	smes	sme	NOUN
gp-143	112	12	and	and	CCONJ
gp-143	112	13	reduce	reduce	VERB
gp-143	112	14	the	the	DET
gp-143	112	15	administrative	administrative	ADJ
gp-143	112	16	burden	burden	NOUN
gp-143	112	17	that	that	PRON
gp-143	112	18	is	be	AUX
gp-143	112	19	often	often	ADV
gp-143	112	20	a	a	DET
gp-143	112	21	bottleneck	bottleneck	NOUN
gp-143	112	22	in	in	ADP
gp-143	112	23	traditional	traditional	ADJ
gp-143	112	24	financial	financial	ADJ
gp-143	112	25	management	management	NOUN
gp-143	112	26	(	(	PUNCT
gp-143	112	27	agustina	agustina	PROPN
gp-143	112	28	,	,	PUNCT
gp-143	112	29	2023	2023	NUM
gp-143	112	30	)	)	PUNCT
gp-143	112	31	.	.	PUNCT
gp-143	113	1	the	the	DET
gp-143	113	2	effectiveness	effectiveness	NOUN
gp-143	113	3	of	of	ADP
gp-143	113	4	fintech	fintech	NOUN
gp-143	113	5	depends	depend	VERB
gp-143	113	6	not	not	PART
gp-143	113	7	only	only	ADV
gp-143	113	8	on	on	ADP
gp-143	113	9	the	the	DET
gp-143	113	10	availability	availability	NOUN
gp-143	113	11	of	of	ADP
gp-143	113	12	technology	technology	NOUN
gp-143	113	13	but	but	CCONJ
gp-143	113	14	also	also	ADV
gp-143	113	15	on	on	ADP
gp-143	113	16	the	the	DET
gp-143	113	17	financial	financial	ADJ
gp-143	113	18	behavior	behavior	NOUN
gp-143	113	19	of	of	ADP
gp-143	113	20	smes	sme	NOUN
gp-143	113	21	themselves	themselves	PRON
gp-143	113	22	(	(	PUNCT
gp-143	113	23	prasetiyani	prasetiyani	PROPN
gp-143	113	24	&	&	CCONJ
gp-143	113	25	vikaliana	vikaliana	PROPN
gp-143	113	26	,	,	PUNCT
gp-143	113	27	2020	2020	NUM
gp-143	113	28	)	)	PUNCT
gp-143	113	29	.	.	PUNCT
gp-143	114	1	financial	financial	ADJ
gp-143	114	2	behavior	behavior	NOUN
gp-143	114	3	encompasses	encompass	VERB
gp-143	114	4	how	how	SCONJ
gp-143	114	5	smes	sme	NOUN
gp-143	114	6	make	make	VERB
gp-143	114	7	decisions	decision	NOUN
gp-143	114	8	regarding	regard	VERB
gp-143	114	9	spending	spending	NOUN
gp-143	114	10	,	,	PUNCT
gp-143	114	11	debt	debt	NOUN
gp-143	114	12	management	management	NOUN
gp-143	114	13	,	,	PUNCT
gp-143	114	14	and	and	CCONJ
gp-143	114	15	financial	financial	ADJ
gp-143	114	16	investments	investment	NOUN
gp-143	114	17	(	(	PUNCT
gp-143	114	18	nasir	nasir	PROPN
gp-143	114	19	,	,	PUNCT
gp-143	114	20	2021	2021	NUM
gp-143	114	21	)	)	PUNCT
gp-143	114	22	.	.	PUNCT
gp-143	115	1	research	research	NOUN
gp-143	115	2	highlights	highlight	NOUN
gp-143	115	3	that	that	PRON
gp-143	115	4	disciplined	discipline	VERB
gp-143	115	5	financial	financial	ADJ
gp-143	115	6	practices	practice	NOUN
gp-143	115	7	significantly	significantly	ADV
gp-143	115	8	impact	impact	VERB
gp-143	115	9	the	the	DET
gp-143	115	10	optimal	optimal	ADJ
gp-143	115	11	utilization	utilization	NOUN
gp-143	115	12	of	of	ADP
gp-143	115	13	financial	financial	ADJ
gp-143	115	14	technologies	technology	NOUN
gp-143	115	15	.	.	PUNCT
gp-143	116	1	similarly	similarly	ADV
gp-143	116	2	,	,	PUNCT
gp-143	116	3	studies	study	NOUN
gp-143	116	4	by	by	ADP
gp-143	116	5	handayani	handayani	PROPN
gp-143	116	6	(	(	PUNCT
gp-143	116	7	2023	2023	NUM
gp-143	116	8	)	)	PUNCT
gp-143	116	9	emphasize	emphasize	VERB
gp-143	116	10	that	that	SCONJ
gp-143	116	11	a	a	DET
gp-143	116	12	lack	lack	NOUN
gp-143	116	13	of	of	ADP
gp-143	116	14	discipline	discipline	NOUN
gp-143	116	15	in	in	ADP
gp-143	116	16	cash	cash	NOUN
gp-143	116	17	flow	flow	NOUN
gp-143	116	18	management	management	NOUN
gp-143	116	19	or	or	CCONJ
gp-143	116	20	indiscretion	indiscretion	NOUN
gp-143	116	21	in	in	ADP
gp-143	116	22	loan	loan	NOUN
gp-143	116	23	utilization	utilization	NOUN
gp-143	116	24	can	can	AUX
gp-143	116	25	hinder	hinder	VERB
gp-143	116	26	the	the	DET
gp-143	116	27	full	full	ADJ
gp-143	116	28	potential	potential	NOUN
gp-143	116	29	of	of	ADP
gp-143	116	30	fintech	fintech	NOUN
gp-143	116	31	.	.	PUNCT
gp-143	117	1	therefore	therefore	ADV
gp-143	117	2	,	,	PUNCT
gp-143	117	3	supportive	supportive	ADJ
gp-143	117	4	financial	financial	ADJ
gp-143	117	5	behaviors	behavior	NOUN
gp-143	117	6	,	,	PUNCT
gp-143	117	7	such	such	ADJ
gp-143	117	8	as	as	ADP
gp-143	117	9	consistent	consistent	ADJ
gp-143	117	10	financial	financial	ADJ
gp-143	117	11	reporting	reporting	NOUN
gp-143	117	12	and	and	CCONJ
gp-143	117	13	prudent	prudent	ADJ
gp-143	117	14	financial	financial	ADJ
gp-143	117	15	resource	resource	NOUN
gp-143	117	16	management	management	NOUN
gp-143	117	17	,	,	PUNCT
gp-143	117	18	are	be	AUX
gp-143	117	19	crucial	crucial	ADJ
gp-143	117	20	factors	factor	NOUN
gp-143	117	21	in	in	ADP
gp-143	117	22	ensuring	ensure	VERB
gp-143	117	23	fintech	fintech	NOUN
gp-143	117	24	's	's	PART
gp-143	117	25	effectiveness	effectiveness	NOUN
gp-143	117	26	in	in	ADP
gp-143	117	27	sme	sme	ADJ
gp-143	117	28	financial	financial	ADJ
gp-143	117	29	management	management	NOUN
gp-143	117	30	.	.	PUNCT
gp-143	118	1	these	these	DET
gp-143	118	2	findings	finding	NOUN
gp-143	118	3	are	be	AUX
gp-143	118	4	consistent	consistent	ADJ
gp-143	118	5	with	with	ADP
gp-143	118	6	prior	prior	ADJ
gp-143	118	7	research	research	NOUN
gp-143	118	8	,	,	PUNCT
gp-143	118	9	which	which	PRON
gp-143	118	10	indicates	indicate	VERB
gp-143	118	11	that	that	SCONJ
gp-143	118	12	financial	financial	ADJ
gp-143	118	13	literacy	literacy	NOUN
gp-143	118	14	and	and	CCONJ
gp-143	118	15	positive	positive	ADJ
gp-143	118	16	financial	financial	ADJ
gp-143	118	17	behavior	behavior	NOUN
gp-143	118	18	not	not	PART
gp-143	118	19	only	only	ADV
gp-143	118	20	enhance	enhance	VERB
gp-143	118	21	fintech	fintech	NOUN
gp-143	118	22	adoption	adoption	NOUN
gp-143	118	23	but	but	CCONJ
gp-143	118	24	also	also	ADV
gp-143	118	25	contribute	contribute	VERB
gp-143	118	26	to	to	ADP
gp-143	118	27	improved	improve	VERB
gp-143	118	28	business	business	NOUN
gp-143	118	29	performance	performance	NOUN
gp-143	118	30	and	and	CCONJ
gp-143	118	31	strengthened	strengthen	VERB
gp-143	118	32	financial	financial	ADJ
gp-143	118	33	stability	stability	NOUN
gp-143	118	34	for	for	ADP
gp-143	118	35	smes	sme	NOUN
gp-143	118	36	(	(	PUNCT
gp-143	118	37	handayani	handayani	ADJ
gp-143	118	38	,	,	PUNCT
gp-143	118	39	2023	2023	NUM
gp-143	118	40	)	)	PUNCT
gp-143	118	41	.	.	PUNCT
gp-143	119	1	conclusion	conclusion	NOUN
gp-143	119	2	based	base	VERB
gp-143	119	3	on	on	ADP
gp-143	119	4	the	the	DET
gp-143	119	5	results	result	NOUN
gp-143	119	6	of	of	ADP
gp-143	119	7	the	the	DET
gp-143	119	8	visualization	visualization	NOUN
gp-143	119	9	analysis	analysis	NOUN
gp-143	119	10	from	from	ADP
gp-143	119	11	vosviewer	vosviewer	NOUN
gp-143	119	12	and	and	CCONJ
gp-143	119	13	discussions	discussion	NOUN
gp-143	119	14	related	relate	VERB
gp-143	119	15	american	american	ADJ
gp-143	119	16	journal	journal	NOUN
gp-143	119	17	of	of	ADP
gp-143	119	18	economic	economic	ADJ
gp-143	119	19	and	and	CCONJ
gp-143	119	20	management	management	NOUN
gp-143	119	21	business	business	NOUN
gp-143	119	22	vol	vol	NOUN
gp-143	119	23	.	.	PROPN
gp-143	120	1	3	3	NUM
gp-143	121	1	no	no	NOUN
gp-143	121	2	.	.	PROPN
gp-143	122	1	12	12	NUM
gp-143	122	2	december	december	PROPN
gp-143	122	3	2024	2024	NUM
gp-143	122	4	480	480	NUM
gp-143	122	5	to	to	ADP
gp-143	122	6	the	the	DET
gp-143	122	7	effectiveness	effectiveness	NOUN
gp-143	122	8	of	of	ADP
gp-143	122	9	fintech	fintech	NOUN
gp-143	122	10	in	in	ADP
gp-143	122	11	sme	sme	PROPN
gp-143	122	12	financial	financial	PROPN
gp-143	122	13	management	management	NOUN
gp-143	122	14	,	,	PUNCT
gp-143	122	15	it	it	PRON
gp-143	122	16	can	can	AUX
gp-143	122	17	be	be	AUX
gp-143	122	18	concluded	conclude	VERB
gp-143	122	19	that	that	SCONJ
gp-143	122	20	fintech	fintech	NOUN
gp-143	122	21	plays	play	VERB
gp-143	122	22	an	an	DET
gp-143	122	23	important	important	ADJ
gp-143	122	24	role	role	NOUN
gp-143	122	25	in	in	ADP
gp-143	122	26	improving	improve	VERB
gp-143	122	27	financial	financial	ADJ
gp-143	122	28	literacy	literacy	NOUN
gp-143	122	29	,	,	PUNCT
gp-143	122	30	financial	financial	ADJ
gp-143	122	31	inclusion	inclusion	NOUN
gp-143	122	32	,	,	PUNCT
gp-143	122	33	and	and	CCONJ
gp-143	122	34	financial	financial	ADJ
gp-143	122	35	management	management	NOUN
gp-143	122	36	efficiency	efficiency	NOUN
gp-143	122	37	for	for	ADP
gp-143	122	38	smes	sme	NOUN
gp-143	122	39	.	.	PUNCT
gp-143	123	1	financial	financial	ADJ
gp-143	123	2	literacy	literacy	NOUN
gp-143	123	3	has	have	AUX
gp-143	123	4	proven	prove	VERB
gp-143	123	5	to	to	PART
gp-143	123	6	be	be	AUX
gp-143	123	7	a	a	DET
gp-143	123	8	key	key	ADJ
gp-143	123	9	factor	factor	NOUN
gp-143	123	10	in	in	ADP
gp-143	123	11	making	make	VERB
gp-143	123	12	optimal	optimal	ADJ
gp-143	123	13	use	use	NOUN
gp-143	123	14	of	of	ADP
gp-143	123	15	fintech	fintech	NOUN
gp-143	123	16	services	service	NOUN
gp-143	123	17	,	,	PUNCT
gp-143	123	18	while	while	SCONJ
gp-143	123	19	expanded	expand	VERB
gp-143	123	20	financial	financial	ADJ
gp-143	123	21	inclusion	inclusion	NOUN
gp-143	123	22	through	through	ADP
gp-143	123	23	fintech	fintech	NOUN
gp-143	123	24	allows	allow	VERB
gp-143	123	25	smes	sme	NOUN
gp-143	123	26	to	to	PART
gp-143	123	27	gain	gain	VERB
gp-143	123	28	access	access	NOUN
gp-143	123	29	to	to	ADP
gp-143	123	30	formal	formal	ADJ
gp-143	123	31	financial	financial	ADJ
gp-143	123	32	services	service	NOUN
gp-143	123	33	that	that	PRON
gp-143	123	34	were	be	AUX
gp-143	123	35	previously	previously	ADV
gp-143	123	36	difficult	difficult	ADJ
gp-143	123	37	to	to	PART
gp-143	123	38	reach	reach	VERB
gp-143	123	39	.	.	PUNCT
gp-143	124	1	in	in	ADP
gp-143	124	2	addition	addition	NOUN
gp-143	124	3	,	,	PUNCT
gp-143	124	4	fintech	fintech	NOUN
gp-143	124	5	lending	lending	NOUN
gp-143	124	6	and	and	CCONJ
gp-143	124	7	fintech	fintech	NOUN
gp-143	124	8	platforms	platform	NOUN
gp-143	124	9	help	help	VERB
gp-143	124	10	provide	provide	VERB
gp-143	124	11	faster	fast	ADJ
gp-143	124	12	and	and	CCONJ
gp-143	124	13	more	more	ADV
gp-143	124	14	flexible	flexible	ADJ
gp-143	124	15	access	access	NOUN
gp-143	124	16	to	to	ADP
gp-143	124	17	capital	capital	NOUN
gp-143	124	18	for	for	ADP
gp-143	124	19	smes	sme	NOUN
gp-143	124	20	,	,	PUNCT
gp-143	124	21	especially	especially	ADV
gp-143	124	22	amid	amid	ADP
gp-143	124	23	challenges	challenge	NOUN
gp-143	124	24	such	such	ADJ
gp-143	124	25	as	as	ADP
gp-143	124	26	the	the	DET
gp-143	124	27	pandemic	pandemic	NOUN
gp-143	124	28	.	.	PUNCT
gp-143	125	1	however	however	ADV
gp-143	125	2	,	,	PUNCT
gp-143	125	3	fintech	fintech	NOUN
gp-143	125	4	's	's	PART
gp-143	125	5	effectiveness	effectiveness	NOUN
gp-143	125	6	is	be	AUX
gp-143	125	7	also	also	ADV
gp-143	125	8	highly	highly	ADV
gp-143	125	9	dependent	dependent	ADJ
gp-143	125	10	on	on	ADP
gp-143	125	11	financial	financial	ADJ
gp-143	125	12	behavior	behavior	NOUN
gp-143	125	13	and	and	CCONJ
gp-143	125	14	smes	sme	NOUN
gp-143	125	15	'	'	PART
gp-143	125	16	ability	ability	NOUN
gp-143	125	17	to	to	PART
gp-143	125	18	adopt	adopt	VERB
gp-143	125	19	technology	technology	NOUN
gp-143	125	20	.	.	PUNCT
gp-143	126	1	thus	thus	ADV
gp-143	126	2	,	,	PUNCT
gp-143	126	3	fintech	fintech	NOUN
gp-143	126	4	adoption	adoption	NOUN
gp-143	126	5	requires	require	VERB
gp-143	126	6	a	a	DET
gp-143	126	7	comprehensive	comprehensive	ADJ
gp-143	126	8	approach	approach	NOUN
gp-143	126	9	that	that	PRON
gp-143	126	10	includes	include	VERB
gp-143	126	11	not	not	PART
gp-143	126	12	only	only	ADV
gp-143	126	13	the	the	DET
gp-143	126	14	provision	provision	NOUN
gp-143	126	15	of	of	ADP
gp-143	126	16	technology	technology	NOUN
gp-143	126	17	but	but	CCONJ
gp-143	126	18	also	also	ADV
gp-143	126	19	financial	financial	ADJ
gp-143	126	20	education	education	NOUN
gp-143	126	21	and	and	CCONJ
gp-143	126	22	increased	increase	VERB
gp-143	126	23	user	user	NOUN
gp-143	126	24	trust	trust	NOUN
gp-143	126	25	in	in	ADP
gp-143	126	26	technology	technology	NOUN
gp-143	126	27	.	.	PUNCT
gp-143	127	1	bibliography	bibliography	NOUN
gp-143	127	2	agustina	agustina	PROPN
gp-143	127	3	,	,	PUNCT
gp-143	127	4	a.	a.	NOUN
gp-143	127	5	(	(	PUNCT
gp-143	127	6	2023	2023	NUM
gp-143	127	7	)	)	PUNCT
gp-143	127	8	.	.	PUNCT
gp-143	128	1	the	the	DET
gp-143	128	2	influence	influence	NOUN
gp-143	128	3	of	of	ADP
gp-143	128	4	fintech	fintech	NOUN
gp-143	128	5	on	on	ADP
gp-143	128	6	the	the	DET
gp-143	128	7	development	development	NOUN
gp-143	128	8	of	of	ADP
gp-143	128	9	islamic	islamic	ADJ
gp-143	128	10	financial	financial	ADJ
gp-143	128	11	inclusion	inclusion	NOUN
gp-143	128	12	in	in	ADP
gp-143	128	13	msmes	msme	NOUN
gp-143	128	14	in	in	ADP
gp-143	128	15	tanak	tanak	PROPN
gp-143	128	16	awu	awu	PROPN
gp-143	128	17	village	village	NOUN
gp-143	128	18	.	.	PUNCT
gp-143	129	1	jurnal	jurnal	ADJ
gp-143	129	2	ilmiah	ilmiah	PROPN
gp-143	129	3	ekonomi	ekonomi	PROPN
gp-143	129	4	islam	islam	PROPN
gp-143	129	5	,	,	PUNCT
gp-143	129	6	9(2	9(2	NUM
gp-143	129	7	)	)	PUNCT
gp-143	129	8	,	,	PUNCT
gp-143	129	9	2531	2531	NUM
gp-143	129	10	.	.	PUNCT
gp-143	130	1	https://doi.org/10.29040/jiei.v9i2.8777	https://doi.org/10.29040/jiei.v9i2.8777	PROPN
gp-143	130	2	aritonang	aritonang	PROPN
gp-143	130	3	,	,	PUNCT
gp-143	130	4	m.	m.	PROPN
gp-143	130	5	p.	p.	PROPN
gp-143	130	6	,	,	PUNCT
gp-143	130	7	sadalia	sadalia	PROPN
gp-143	130	8	,	,	PUNCT
gp-143	130	9	i.	i.	PROPN
gp-143	130	10	,	,	PUNCT
gp-143	130	11	&	&	CCONJ
gp-143	130	12	muluk	muluk	PROPN
gp-143	130	13	,	,	PUNCT
gp-143	130	14	c.	c.	PROPN
gp-143	130	15	(	(	PUNCT
gp-143	130	16	2023	2023	NUM
gp-143	130	17	)	)	PUNCT
gp-143	130	18	.	.	PUNCT
gp-143	131	1	the	the	DET
gp-143	131	2	effect	effect	NOUN
gp-143	131	3	of	of	ADP
gp-143	131	4	financial	financial	ADJ
gp-143	131	5	literacy	literacy	NOUN
gp-143	131	6	and	and	CCONJ
gp-143	131	7	financial	financial	ADJ
gp-143	131	8	inclusion	inclusion	NOUN
gp-143	131	9	on	on	ADP
gp-143	131	10	msmes	msme	NOUN
gp-143	131	11	performance	performance	NOUN
gp-143	131	12	(	(	PUNCT
gp-143	131	13	pp	pp	ADJ
gp-143	131	14	.	.	PUNCT
gp-143	131	15	356–368	356–368	NUM
gp-143	131	16	)	)	PUNCT
gp-143	131	17	.	.	PUNCT
gp-143	132	1	https://doi.org/10.2991/978-94-6463-0084_46	https://doi.org/10.2991/978-94-6463-0084_46	ADV
gp-143	132	2	cahyawati	cahyawati	PROPN
gp-143	132	3	,	,	PUNCT
gp-143	132	4	n.	n.	PROPN
gp-143	132	5	e.	e.	PROPN
gp-143	132	6	,	,	PUNCT
gp-143	132	7	nantungga	nantungga	ADV
gp-143	132	8	,	,	PUNCT
gp-143	132	9	k.	k.	PROPN
gp-143	132	10	h.	h.	PROPN
gp-143	132	11	,	,	PUNCT
gp-143	132	12	&	&	CCONJ
gp-143	132	13	tumewang	tumewang	PROPN
gp-143	132	14	,	,	PUNCT
gp-143	132	15	y.	y.	PROPN
gp-143	132	16	k.	k.	PROPN
gp-143	132	17	(	(	PUNCT
gp-143	132	18	2023	2023	NUM
gp-143	132	19	)	)	PUNCT
gp-143	132	20	.	.	PUNCT
gp-143	133	1	the	the	DET
gp-143	133	2	influence	influence	NOUN
gp-143	133	3	of	of	ADP
gp-143	133	4	financial	financial	ADJ
gp-143	133	5	technology	technology	PROPN
gp-143	133	6	&	&	CCONJ
gp-143	133	7	amp	amp	PROPN
gp-143	133	8	;	;	PUNCT
gp-143	133	9	literacy	literacy	NOUN
gp-143	133	10	on	on	ADP
gp-143	133	11	msmes	msme	NOUN
gp-143	133	12	sustainability	sustainability	NOUN
gp-143	133	13	with	with	ADP
gp-143	133	14	financial	financial	ADJ
gp-143	133	15	inclusion	inclusion	NOUN
gp-143	133	16	as	as	ADP
gp-143	133	17	a	a	DET
gp-143	133	18	mediating	mediate	VERB
gp-143	133	19	variable	variable	NOUN
gp-143	133	20	.	.	PUNCT
gp-143	134	1	journal	journal	PROPN
gp-143	134	2	of	of	ADP
gp-143	134	3	contemporary	contemporary	ADJ
gp-143	134	4	accounting	accounting	NOUN
gp-143	134	5	,	,	PUNCT
gp-143	134	6	71–82	71–82	NUM
gp-143	134	7	.	.	PUNCT
gp-143	135	1	https://doi.org/10.20885/jca.vol5.iss2.art2	https://doi.org/10.20885/jca.vol5.iss2.art2	PROPN
gp-143	135	2	chen	chen	PROPN
gp-143	135	3	,	,	PUNCT
gp-143	135	4	m.	m.	NOUN
gp-143	135	5	a.	a.	PROPN
gp-143	135	6	,	,	PUNCT
gp-143	135	7	wu	wu	PROPN
gp-143	135	8	,	,	PUNCT
gp-143	135	9	q.	q.	PROPN
gp-143	135	10	,	,	PUNCT
gp-143	135	11	&	&	CCONJ
gp-143	135	12	yang	yang	PROPN
gp-143	135	13	,	,	PUNCT
gp-143	135	14	b.	b.	PROPN
gp-143	135	15	(	(	PUNCT
gp-143	135	16	2019	2019	NUM
gp-143	135	17	)	)	PUNCT
gp-143	135	18	.	.	PUNCT
gp-143	136	1	how	how	SCONJ
gp-143	136	2	valuable	valuable	ADJ
gp-143	136	3	is	be	AUX
gp-143	136	4	fintech	fintech	NOUN
gp-143	136	5	innovation	innovation	NOUN
gp-143	136	6	?	?	PUNCT
gp-143	137	1	the	the	DET
gp-143	137	2	review	review	NOUN
gp-143	137	3	of	of	ADP
gp-143	137	4	financial	financial	ADJ
gp-143	137	5	studies	study	NOUN
gp-143	137	6	,	,	PUNCT
gp-143	137	7	32(5	32(5	NOUN
gp-143	137	8	)	)	PUNCT
gp-143	137	9	,	,	PUNCT
gp-143	137	10	2062–2106	2062–2106	NUM
gp-143	137	11	.	.	PUNCT
gp-143	138	1	https://doi.org/10.1093/rfs/hhy130	https://doi.org/10.1093/rfs/hhy130	PROPN
gp-143	138	2	dwijayanti	dwijayanti	PROPN
gp-143	138	3	,	,	PUNCT
gp-143	138	4	n.	n.	NOUN
gp-143	138	5	,	,	PUNCT
gp-143	138	6	iqbal	iqbal	PROPN
gp-143	138	7	,	,	PUNCT
gp-143	138	8	m.	m.	NOUN
gp-143	138	9	,	,	PUNCT
gp-143	138	10	&	&	CCONJ
gp-143	138	11	zulfikar	zulfikar	NOUN
gp-143	138	12	,	,	PUNCT
gp-143	138	13	m.	m.	NOUN
gp-143	138	14	(	(	PUNCT
gp-143	138	15	2022	2022	NUM
gp-143	138	16	)	)	PUNCT
gp-143	138	17	.	.	PUNCT
gp-143	139	1	the	the	DET
gp-143	139	2	role	role	NOUN
gp-143	139	3	of	of	ADP
gp-143	139	4	islamic	islamic	ADJ
gp-143	139	5	fintech	fintech	NOUN
gp-143	139	6	p2pl	p2pl	VERB
gp-143	139	7	in	in	ADP
gp-143	139	8	increasing	increase	VERB
gp-143	139	9	inclusion	inclusion	NOUN
gp-143	139	10	and	and	CCONJ
gp-143	139	11	financial	financial	ADJ
gp-143	139	12	literacy	literacy	NOUN
gp-143	139	13	of	of	ADP
gp-143	139	14	msmes	msmes	PROPN
gp-143	139	15	.	.	PUNCT
gp-143	140	1	journal	journal	PROPN
gp-143	140	2	of	of	ADP
gp-143	140	3	islamic	islamic	PROPN
gp-143	140	4	finance	finance	NOUN
gp-143	140	5	,	,	PUNCT
gp-143	140	6	11(1	11(1	NUM
gp-143	140	7	)	)	PUNCT
gp-143	140	8	,	,	PUNCT
gp-143	140	9	94–101	94–101	PROPN
gp-143	140	10	.	.	PUNCT
gp-143	140	11	erlianta	erlianta	PROPN
gp-143	140	12	,	,	PUNCT
gp-143	140	13	n.	n.	PROPN
gp-143	140	14	r.	r.	PROPN
gp-143	140	15	,	,	PUNCT
gp-143	140	16	lupikawaty	lupikawaty	PROPN
gp-143	140	17	,	,	PUNCT
gp-143	140	18	m.	m.	NOUN
gp-143	140	19	,	,	PUNCT
gp-143	140	20	&	&	CCONJ
gp-143	140	21	andriyani	andriyani	PROPN
gp-143	140	22	,	,	PUNCT
gp-143	140	23	t.	t.	NOUN
gp-143	140	24	(	(	PUNCT
gp-143	140	25	2021	2021	NUM
gp-143	140	26	)	)	PUNCT
gp-143	140	27	.	.	PUNCT
gp-143	141	1	the	the	DET
gp-143	141	2	effect	effect	NOUN
gp-143	141	3	of	of	ADP
gp-143	141	4	financial	financial	ADJ
gp-143	141	5	technology	technology	NOUN
gp-143	141	6	on	on	ADP
gp-143	141	7	financial	financial	ADJ
gp-143	141	8	inclusion	inclusion	NOUN
gp-143	141	9	smes	sme	NOUN
gp-143	141	10	in	in	ADP
gp-143	141	11	palembang	palembang	PROPN
gp-143	141	12	city	city	PROPN
gp-143	141	13	.	.	PUNCT
gp-143	142	1	https://doi.org/10.2991/ahsseh.k.210122.015	https://doi.org/10.2991/ahsseh.k.210122.015	PROPN
gp-143	143	1	handayani	handayani	PROPN
gp-143	143	2	,	,	PUNCT
gp-143	143	3	a.	a.	NOUN
gp-143	143	4	(	(	PUNCT
gp-143	143	5	2023	2023	NUM
gp-143	143	6	)	)	PUNCT
gp-143	143	7	.	.	PUNCT
gp-143	144	1	the	the	DET
gp-143	144	2	role	role	NOUN
gp-143	144	3	of	of	ADP
gp-143	144	4	financial	financial	ADJ
gp-143	144	5	factor	factor	NOUN
gp-143	144	6	on	on	ADP
gp-143	144	7	the	the	DET
gp-143	144	8	financial	financial	ADJ
gp-143	144	9	behaviour	behaviour	NOUN
gp-143	144	10	of	of	ADP
gp-143	144	11	small	small	ADJ
gp-143	144	12	and	and	CCONJ
gp-143	144	13	medium	medium	ADJ
gp-143	144	14	enterprises	enterprise	NOUN
gp-143	144	15	(	(	PUNCT
gp-143	144	16	smes	sme	NOUN
gp-143	144	17	)	)	PUNCT
gp-143	144	18	.	.	PUNCT
gp-143	145	1	journal	journal	PROPN
gp-143	145	2	of	of	ADP
gp-143	145	3	business	business	NOUN
gp-143	145	4	and	and	CCONJ
gp-143	145	5	management	management	NOUN
gp-143	145	6	review	review	NOUN
gp-143	145	7	,	,	PUNCT
gp-143	145	8	4(4	4(4	NUM
gp-143	145	9	)	)	PUNCT
gp-143	145	10	,	,	PUNCT
gp-143	145	11	295–305	295–305	NUM
gp-143	145	12	.	.	PUNCT
gp-143	146	1	https://doi.org/10.47153/jbmr44.6752023	https://doi.org/10.47153/jbmr44.6752023	DET
gp-143	146	2	iliescu	iliescu	NOUN
gp-143	146	3	,	,	PUNCT
gp-143	146	4	a.	a.	NOUN
gp-143	146	5	n.	n.	NOUN
gp-143	146	6	(	(	PUNCT
gp-143	146	7	2021	2021	NUM
gp-143	146	8	)	)	PUNCT
gp-143	146	9	.	.	PUNCT
gp-143	147	1	conceptual	conceptual	ADJ
gp-143	147	2	atlas	atlas	PROPN
gp-143	147	3	of	of	ADP
gp-143	147	4	the	the	DET
gp-143	147	5	knowmad	knowmad	PROPN
gp-143	147	6	literature	literature	PROPN
gp-143	147	7	:	:	PUNCT
gp-143	147	8	visual	visual	ADJ
gp-143	147	9	mapping	mapping	NOUN
gp-143	147	10	with	with	ADP
gp-143	147	11	vosviewer	vosviewer	NOUN
gp-143	147	12	.	.	PUNCT
gp-143	148	1	management	management	NOUN
gp-143	148	2	dynamics	dynamic	NOUN
gp-143	148	3	in	in	ADP
gp-143	148	4	the	the	DET
gp-143	148	5	knowledge	knowledge	NOUN
gp-143	148	6	economy	economy	NOUN
gp-143	148	7	,	,	PUNCT
gp-143	148	8	9(3	9(3	NUM
gp-143	148	9	)	)	PUNCT
gp-143	148	10	,	,	PUNCT
gp-143	148	11	379–392	379–392	NUM
gp-143	148	12	.	.	PUNCT
gp-143	149	1	jennifer	jennifer	PROPN
gp-143	149	2	,	,	PUNCT
gp-143	149	3	j.	j.	PROPN
gp-143	149	4	,	,	PUNCT
gp-143	149	5	&	&	CCONJ
gp-143	149	6	widoatmodjo	widoatmodjo	PROPN
gp-143	149	7	,	,	PUNCT
gp-143	149	8	s.	s.	PROPN
gp-143	149	9	(	(	PUNCT
gp-143	149	10	2023	2023	NUM
gp-143	149	11	)	)	PUNCT
gp-143	149	12	.	.	PUNCT
gp-143	150	1	the	the	DET
gp-143	150	2	influence	influence	NOUN
gp-143	150	3	of	of	ADP
gp-143	150	4	financial	financial	ADJ
gp-143	150	5	knowledge	knowledge	NOUN
gp-143	150	6	,	,	PUNCT
gp-143	150	7	financial	financial	ADJ
gp-143	150	8	literacy	literacy	NOUN
gp-143	150	9	,	,	PUNCT
gp-143	150	10	and	and	CCONJ
gp-143	150	11	financial	financial	ADJ
gp-143	150	12	technology	technology	NOUN
gp-143	150	13	on	on	ADP
gp-143	150	14	financial	financial	ADJ
gp-143	150	15	management	management	NOUN
gp-143	150	16	behavior	behavior	NOUN
gp-143	150	17	among	among	ADP
gp-143	150	18	young	young	ADJ
gp-143	150	19	adults	adult	NOUN
gp-143	150	20	.	.	PUNCT
gp-143	151	1	international	international	ADJ
gp-143	151	2	journal	journal	PROPN
gp-143	151	3	of	of	ADP
gp-143	151	4	application	application	NOUN
gp-143	151	5	on	on	ADP
gp-143	151	6	economics	economic	NOUN
gp-143	151	7	and	and	CCONJ
gp-143	151	8	business	business	NOUN
gp-143	151	9	,	,	PUNCT
gp-143	151	10	1(1	1(1	NUM
gp-143	151	11	)	)	PUNCT
gp-143	151	12	,	,	PUNCT
gp-143	151	13	344–353	344–353	NUM
gp-143	151	14	.	.	PUNCT
gp-143	152	1	https://doi.org/10.24912/ijaeb.v1i1.344-353	https://doi.org/10.24912/ijaeb.v1i1.344-353	PROPN
gp-143	152	2	husnayetti	husnayetti	PROPN
gp-143	152	3	,	,	PUNCT
gp-143	152	4	tri	tri	PROPN
gp-143	152	5	budi	budi	PROPN
gp-143	152	6	astuti	astuti	PROPN
gp-143	152	7	,	,	PUNCT
gp-143	152	8	junarti	junarti	PROPN
gp-143	152	9	481	481	NUM
gp-143	152	10	khasanah	khasanah	PROPN
gp-143	152	11	,	,	PUNCT
gp-143	152	12	u.	u.	PROPN
gp-143	152	13	,	,	PUNCT
gp-143	152	14	&	&	CCONJ
gp-143	152	15	irawati	irawati	PROPN
gp-143	152	16	,	,	PUNCT
gp-143	152	17	z.	z.	PROPN
gp-143	152	18	(	(	PUNCT
gp-143	152	19	2022	2022	NUM
gp-143	152	20	)	)	PUNCT
gp-143	152	21	.	.	PUNCT
gp-143	153	1	the	the	DET
gp-143	153	2	effect	effect	NOUN
gp-143	153	3	of	of	ADP
gp-143	153	4	financial	financial	ADJ
gp-143	153	5	literacy	literacy	NOUN
gp-143	153	6	,	,	PUNCT
gp-143	153	7	financial	financial	ADJ
gp-143	153	8	attitude	attitude	NOUN
gp-143	153	9	,	,	PUNCT
gp-143	153	10	and	and	CCONJ
gp-143	153	11	the	the	DET
gp-143	153	12	use	use	NOUN
gp-143	153	13	of	of	ADP
gp-143	153	14	financial	financial	ADJ
gp-143	153	15	technology	technology	NOUN
gp-143	153	16	on	on	ADP
gp-143	153	17	the	the	DET
gp-143	153	18	financial	financial	ADJ
gp-143	153	19	management	management	NOUN
gp-143	153	20	of	of	ADP
gp-143	153	21	smes	sme	NOUN
gp-143	153	22	.	.	PUNCT
gp-143	154	1	https://doi.org/10.2991/aebmr.k.220602.019	https://doi.org/10.2991/aebmr.k.220602.019	PROPN
gp-143	155	1	kurniawati	kurniawati	PROPN
gp-143	155	2	,	,	PUNCT
gp-143	155	3	e.	e.	PROPN
gp-143	155	4	,	,	PUNCT
gp-143	155	5	idris	idris	PROPN
gp-143	155	6	,	,	PUNCT
gp-143	155	7	i.	i.	PROPN
gp-143	155	8	,	,	PUNCT
gp-143	155	9	handayati	handayati	NOUN
gp-143	155	10	,	,	PUNCT
gp-143	155	11	p.	p.	NOUN
gp-143	155	12	,	,	PUNCT
gp-143	155	13	&	&	CCONJ
gp-143	155	14	osman	osman	PROPN
gp-143	155	15	,	,	PUNCT
gp-143	155	16	s.	s.	PROPN
gp-143	155	17	(	(	PUNCT
gp-143	155	18	2021	2021	NUM
gp-143	155	19	)	)	PUNCT
gp-143	155	20	.	.	PUNCT
gp-143	156	1	digital	digital	ADJ
gp-143	156	2	transformation	transformation	NOUN
gp-143	156	3	of	of	ADP
gp-143	156	4	msmes	msme	NOUN
gp-143	156	5	in	in	ADP
gp-143	156	6	indonesia	indonesia	PROPN
gp-143	156	7	during	during	ADP
gp-143	156	8	the	the	DET
gp-143	156	9	pandemic	pandemic	ADJ
gp-143	156	10	.	.	PUNCT
gp-143	156	11	entrepreneurship	entrepreneurship	NOUN
gp-143	156	12	and	and	CCONJ
gp-143	156	13	sustainability	sustainability	NOUN
gp-143	156	14	issues	issue	NOUN
gp-143	156	15	,	,	PUNCT
gp-143	156	16	9(2	9(2	NUM
gp-143	156	17	)	)	PUNCT
gp-143	156	18	,	,	PUNCT
gp-143	156	19	316–331	316–331	NUM
gp-143	156	20	.	.	PUNCT
gp-143	157	1	https://doi.org/10.9770/jesi.2021.9.2(21	https://doi.org/10.9770/jesi.2021.9.2(21	X
gp-143	157	2	)	)	PUNCT
gp-143	157	3	murti	murti	PROPN
gp-143	157	4	,	,	PUNCT
gp-143	157	5	g.	g.	PROPN
gp-143	157	6	t.	t.	PROPN
gp-143	157	7	,	,	PUNCT
gp-143	157	8	nazar	nazar	PROPN
gp-143	157	9	,	,	PUNCT
gp-143	157	10	m.	m.	NOUN
gp-143	157	11	r.	r.	PROPN
gp-143	157	12	,	,	PUNCT
gp-143	157	13	&	&	CCONJ
gp-143	157	14	wardoyo	wardoyo	PROPN
gp-143	157	15	,	,	PUNCT
gp-143	157	16	d.	d.	PROPN
gp-143	157	17	u.	u.	PROPN
gp-143	157	18	(	(	PUNCT
gp-143	157	19	2022	2022	NUM
gp-143	157	20	)	)	PUNCT
gp-143	157	21	.	.	PUNCT
gp-143	158	1	pendampingan	pendampingan	PROPN
gp-143	158	2	umkm	umkm	PROPN
gp-143	158	3	dalam	dalam	PROPN
gp-143	158	4	melakukan	melakukan	PROPN
gp-143	158	5	pembentukan	pembentukan	PROPN
gp-143	158	6	badan	badan	PROPN
gp-143	158	7	usaha	usaha	PROPN
gp-143	158	8	melalui	melalui	PROPN
gp-143	158	9	pendanaan	pendanaan	PROPN
gp-143	158	10	lembaga	lembaga	PROPN
gp-143	158	11	keuangan	keuangan	PROPN
gp-143	158	12	.	.	PUNCT
gp-143	159	1	jurnal	jurnal	ADJ
gp-143	159	2	pengabdian	pengabdian	PROPN
gp-143	159	3	masyarakat	masyarakat	PROPN
gp-143	159	4	akademisi	akademisi	PROPN
gp-143	159	5	,	,	PUNCT
gp-143	159	6	1(4	1(4	NUM
gp-143	159	7	)	)	PUNCT
gp-143	159	8	,	,	PUNCT
gp-143	159	9	54–59	54–59	NUM
gp-143	159	10	.	.	PUNCT
gp-143	160	1	nasir	nasir	PROPN
gp-143	160	2	,	,	PUNCT
gp-143	160	3	f.	f.	PROPN
gp-143	160	4	(	(	PUNCT
gp-143	160	5	2021	2021	NUM
gp-143	160	6	)	)	PUNCT
gp-143	160	7	.	.	PUNCT
gp-143	161	1	pengaruh	pengaruh	VERB
gp-143	161	2	persepsi	persepsi	PROPN
gp-143	161	3	kemudahan	kemudahan	PROPN
gp-143	161	4	penggunaan	penggunaan	PROPN
gp-143	161	5	,	,	PUNCT
gp-143	161	6	efektivitas	efektivita	VERB
gp-143	161	7	dan	dan	PROPN
gp-143	161	8	risiko	risiko	PROPN
gp-143	161	9	terhadap	terhadap	PROPN
gp-143	161	10	minat	minat	PROPN
gp-143	161	11	bertransaksi	bertransaksi	PROPN
gp-143	161	12	menggunakan	menggunakan	PROPN
gp-143	161	13	aplikasi	aplikasi	PROPN
gp-143	161	14	ovo	ovo	PROPN
gp-143	161	15	studi	studi	PROPN
gp-143	161	16	pada	pada	PROPN
gp-143	161	17	mahasiswa	mahasiswa	PROPN
gp-143	161	18	s1	s1	PROPN
gp-143	161	19	universitas	universita	NOUN
gp-143	161	20	sarjanawiyata	sarjanawiyata	VERB
gp-143	161	21	tamansiswa	tamansiswa	NOUN
gp-143	161	22	.	.	PUNCT
gp-143	162	1	jurnal	jurnal	ADJ
gp-143	162	2	investasi	investasi	PROPN
gp-143	162	3	,	,	PUNCT
gp-143	162	4	7(1	7(1	NUM
gp-143	162	5	)	)	PUNCT
gp-143	162	6	,	,	PUNCT
gp-143	162	7	36–43	36–43	NUM
gp-143	162	8	.	.	PUNCT
gp-143	163	1	nugraha	nugraha	PROPN
gp-143	163	2	,	,	PUNCT
gp-143	163	3	d.	d.	PROPN
gp-143	163	4	p.	p.	PROPN
gp-143	163	5	,	,	PUNCT
gp-143	163	6	setiawan	setiawan	PROPN
gp-143	163	7	,	,	PUNCT
gp-143	163	8	b.	b.	PROPN
gp-143	163	9	,	,	PUNCT
gp-143	163	10	nathan	nathan	PROPN
gp-143	163	11	,	,	PUNCT
gp-143	163	12	r.	r.	PROPN
gp-143	163	13	j.	j.	PROPN
gp-143	163	14	,	,	PUNCT
gp-143	163	15	&	&	CCONJ
gp-143	163	16	fekete	fekete	PROPN
gp-143	163	17	-	-	PUNCT
gp-143	163	18	farkas	farkas	PROPN
gp-143	163	19	,	,	PUNCT
gp-143	163	20	m.	m.	NOUN
gp-143	163	21	(	(	PUNCT
gp-143	163	22	2022	2022	NUM
gp-143	163	23	)	)	PUNCT
gp-143	163	24	.	.	PUNCT
gp-143	164	1	fintech	fintech	NOUN
gp-143	164	2	adoption	adoption	NOUN
gp-143	164	3	drivers	driver	NOUN
gp-143	164	4	for	for	ADP
gp-143	164	5	innovation	innovation	NOUN
gp-143	164	6	for	for	ADP
gp-143	164	7	smes	sme	NOUN
gp-143	164	8	in	in	ADP
gp-143	164	9	indonesia	indonesia	PROPN
gp-143	164	10	.	.	PROPN
gp-143	165	1	journal	journal	PROPN
gp-143	165	2	of	of	ADP
gp-143	165	3	open	open	ADJ
gp-143	165	4	innovation	innovation	NOUN
gp-143	165	5	:	:	PUNCT
gp-143	165	6	technology	technology	NOUN
gp-143	165	7	,	,	PUNCT
gp-143	165	8	market	market	NOUN
gp-143	165	9	,	,	PUNCT
gp-143	165	10	and	and	CCONJ
gp-143	165	11	complexity	complexity	NOUN
gp-143	165	12	,	,	PUNCT
gp-143	165	13	8(4	8(4	NUM
gp-143	165	14	)	)	PUNCT
gp-143	165	15	,	,	PUNCT
gp-143	165	16	208	208	NUM
gp-143	165	17	.	.	PUNCT
gp-143	166	1	https://doi.org/10.3390/joitmc8040208	https://doi.org/10.3390/joitmc8040208	PROPN
gp-143	166	2	nur	nur	PROPN
gp-143	166	3	hamidah	hamidah	PROPN
gp-143	166	4	,	,	PUNCT
gp-143	166	5	rida	rida	PROPN
gp-143	166	6	prihatni	prihatni	PROPN
gp-143	166	7	,	,	PUNCT
gp-143	166	8	&	&	CCONJ
gp-143	166	9	igka	igka	PROPN
gp-143	166	10	ulupui	ulupui	PROPN
gp-143	166	11	.	.	PUNCT
gp-143	166	12	(	(	PUNCT
gp-143	166	13	2020	2020	NUM
gp-143	166	14	)	)	PUNCT
gp-143	166	15	.	.	PUNCT
gp-143	167	1	the	the	DET
gp-143	167	2	effect	effect	NOUN
gp-143	167	3	of	of	ADP
gp-143	167	4	financial	financial	ADJ
gp-143	167	5	literacy	literacy	NOUN
gp-143	167	6	,	,	PUNCT
gp-143	167	7	fintech	fintech	NOUN
gp-143	167	8	(	(	PUNCT
gp-143	167	9	financial	financial	ADJ
gp-143	167	10	technology	technology	NOUN
gp-143	167	11	)	)	PUNCT
gp-143	167	12	and	and	CCONJ
gp-143	167	13	intellectual	intellectual	ADJ
gp-143	167	14	capital	capital	NOUN
gp-143	167	15	on	on	ADP
gp-143	167	16	the	the	DET
gp-143	167	17	performance	performance	NOUN
gp-143	167	18	of	of	ADP
gp-143	167	19	msmes	msme	NOUN
gp-143	167	20	in	in	ADP
gp-143	167	21	depok	depok	PROPN
gp-143	167	22	city	city	PROPN
gp-143	167	23	,	,	PUNCT
gp-143	167	24	west	west	PROPN
gp-143	167	25	java	java	PROPN
gp-143	167	26	.	.	PUNCT
gp-143	167	27	journal	journal	PROPN
gp-143	167	28	of	of	ADP
gp-143	167	29	sosial	sosial	ADJ
gp-143	167	30	science	science	NOUN
gp-143	167	31	,	,	PUNCT
gp-143	167	32	1(4	1(4	NUM
gp-143	167	33	)	)	PUNCT
gp-143	167	34	,	,	PUNCT
gp-143	167	35	152–158	152–158	NUM
gp-143	167	36	.	.	PUNCT
gp-143	167	37	https://doi.org/10.46799/jsss.v1i4.53	https://doi.org/10.46799/jsss.v1i4.53	PROPN
gp-143	167	38	pambudianti	pambudianti	PROPN
gp-143	167	39	,	,	PUNCT
gp-143	167	40	f.	f.	PROPN
gp-143	167	41	f.	f.	PROPN
gp-143	167	42	r.	r.	PROPN
gp-143	167	43	,	,	PUNCT
gp-143	167	44	purwanto	purwanto	ADP
gp-143	167	45	,	,	PUNCT
gp-143	167	46	b.	b.	PROPN
gp-143	167	47	,	,	PUNCT
gp-143	167	48	&	&	CCONJ
gp-143	167	49	maulana	maulana	PROPN
gp-143	167	50	,	,	PUNCT
gp-143	167	51	t.	t.	PROPN
gp-143	167	52	n.	n.	PROPN
gp-143	167	53	a.	a.	PROPN
gp-143	167	54	(	(	PUNCT
gp-143	167	55	2020	2020	NUM
gp-143	167	56	)	)	PUNCT
gp-143	167	57	.	.	PUNCT
gp-143	168	1	the	the	DET
gp-143	168	2	implementation	implementation	NOUN
gp-143	168	3	of	of	ADP
gp-143	168	4	fintech	fintech	NOUN
gp-143	168	5	:	:	PUNCT
gp-143	168	6	efficiency	efficiency	NOUN
gp-143	168	7	of	of	ADP
gp-143	168	8	msmes	msme	NOUN
gp-143	168	9	loans	loan	NOUN
gp-143	168	10	distribution	distribution	NOUN
gp-143	168	11	and	and	CCONJ
gp-143	168	12	users	user	NOUN
gp-143	168	13	’	'	PUNCT
gp-143	168	14	financial	financial	ADJ
gp-143	168	15	inclusion	inclusion	NOUN
gp-143	168	16	index	index	NOUN
gp-143	168	17	.	.	PUNCT
gp-143	169	1	jurnal	jurnal	ADJ
gp-143	169	2	keuangan	keuangan	PROPN
gp-143	169	3	dan	dan	PROPN
gp-143	169	4	perbankan	perbankan	PROPN
gp-143	169	5	,	,	PUNCT
gp-143	169	6	24(1	24(1	NUM
gp-143	169	7	)	)	PUNCT
gp-143	169	8	.	.	PUNCT
gp-143	170	1	https://doi.org/10.26905/jkdp.v24i1.3218	https://doi.org/10.26905/jkdp.v24i1.3218	X
gp-143	170	2	pratiwi	pratiwi	NOUN
gp-143	170	3	,	,	PUNCT
gp-143	170	4	a.	a.	NOUN
gp-143	170	5	,	,	PUNCT
gp-143	170	6	januarti	januarti	PROPN
gp-143	170	7	,	,	PUNCT
gp-143	170	8	d.	d.	PROPN
gp-143	170	9	,	,	PUNCT
gp-143	170	10	sunarti	sunarti	PROPN
gp-143	170	11	,	,	PUNCT
gp-143	170	12	d.	d.	PROPN
gp-143	170	13	,	,	PUNCT
gp-143	170	14	&	&	CCONJ
gp-143	170	15	nafiah	nafiah	PROPN
gp-143	170	16	,	,	PUNCT
gp-143	170	17	d.	d.	PROPN
gp-143	170	18	h.	h.	PROPN
gp-143	170	19	(	(	PUNCT
gp-143	170	20	2023	2023	NUM
gp-143	170	21	)	)	PUNCT
gp-143	170	22	.	.	PUNCT
gp-143	171	1	pengaruh	pengaruh	PROPN
gp-143	171	2	perkembangan	perkembangan	PROPN
gp-143	171	3	usaha	usaha	PROPN
gp-143	171	4	mikro	mikro	PROPN
gp-143	171	5	,	,	PUNCT
gp-143	171	6	kecil	kecil	PROPN
gp-143	171	7	dan	dan	PROPN
gp-143	171	8	menengah	menengah	PROPN
gp-143	171	9	terhadap	terhadap	PROPN
gp-143	171	10	pendapatan	pendapatan	PROPN
gp-143	171	11	nasional	nasional	PROPN
gp-143	171	12	di	di	PROPN
gp-143	171	13	indonesia	indonesia	PROPN
gp-143	171	14	pada	pada	PROPN
gp-143	171	15	tahun	tahun	PROPN
gp-143	171	16	20102013	20102013	NUM
gp-143	171	17	.	.	PUNCT
gp-143	172	1	jurnal	jurnal	ADJ
gp-143	172	2	ilmiah	ilmiah	PROPN
gp-143	172	3	wahana	wahana	PROPN
gp-143	172	4	pendidikan	pendidikan	PROPN
gp-143	172	5	,	,	PUNCT
gp-143	172	6	9(15	9(15	NUM
gp-143	172	7	)	)	PUNCT
gp-143	172	8	,	,	PUNCT
gp-143	172	9	36–44	36–44	NUM
gp-143	172	10	.	.	PUNCT
gp-143	173	1	rahayu	rahayu	PROPN
gp-143	173	2	,	,	PUNCT
gp-143	173	3	f.	f.	PROPN
gp-143	173	4	s.	s.	PROPN
gp-143	173	5	,	,	PUNCT
gp-143	173	6	risman	risman	NOUN
gp-143	173	7	,	,	PUNCT
gp-143	173	8	a.	a.	PROPN
gp-143	173	9	,	,	PUNCT
gp-143	173	10	firdaus	firdaus	PROPN
gp-143	173	11	,	,	PUNCT
gp-143	173	12	i.	i.	PROPN
gp-143	173	13	,	,	PUNCT
gp-143	173	14	&	&	CCONJ
gp-143	173	15	haningsih	haningsih	PROPN
gp-143	173	16	,	,	PUNCT
gp-143	173	17	l.	l.	PROPN
gp-143	173	18	(	(	PUNCT
gp-143	173	19	2023	2023	NUM
gp-143	173	20	)	)	PUNCT
gp-143	173	21	.	.	PUNCT
gp-143	174	1	the	the	DET
gp-143	174	2	behavioral	behavioral	ADJ
gp-143	174	3	finance	finance	NOUN
gp-143	174	4	of	of	ADP
gp-143	174	5	msme	msme	PROPN
gp-143	174	6	in	in	ADP
gp-143	174	7	indonesia	indonesia	PROPN
gp-143	174	8	:	:	PUNCT
gp-143	174	9	financial	financial	ADJ
gp-143	174	10	literacy	literacy	NOUN
gp-143	174	11	,	,	PUNCT
gp-143	174	12	financial	financial	ADJ
gp-143	174	13	technology	technology	NOUN
gp-143	174	14	(	(	PUNCT
gp-143	174	15	fintech	fintech	NOUN
gp-143	174	16	)	)	PUNCT
gp-143	174	17	,	,	PUNCT
gp-143	174	18	and	and	CCONJ
gp-143	174	19	financial	financial	ADJ
gp-143	174	20	attitudes	attitude	NOUN
gp-143	174	21	.	.	PUNCT
gp-143	175	1	international	international	ADJ
gp-143	175	2	journal	journal	NOUN
gp-143	175	3	of	of	ADP
gp-143	175	4	digital	digital	ADJ
gp-143	175	5	entrepreneurship	entrepreneurship	NOUN
gp-143	175	6	and	and	CCONJ
gp-143	175	7	business	business	NOUN
gp-143	175	8	,	,	PUNCT
gp-143	175	9	4(2	4(2	NUM
gp-143	175	10	)	)	PUNCT
gp-143	175	11	.	.	PUNCT
gp-143	176	1	https://doi.org/10.52238/ideb.v4i2.127	https://doi.org/10.52238/ideb.v4i2.127	NOUN
gp-143	176	2	seo	seo	PROPN
gp-143	176	3	,	,	PUNCT
gp-143	176	4	e.	e.	PROPN
gp-143	176	5	,	,	PUNCT
gp-143	176	6	&	&	CCONJ
gp-143	176	7	yoo	yoo	PROPN
gp-143	176	8	,	,	PUNCT
gp-143	176	9	k.-w	k.-w	PROPN
gp-143	176	10	.	.	PUNCT
gp-143	176	11	(	(	PUNCT
gp-143	176	12	2020	2020	NUM
gp-143	176	13	)	)	PUNCT
gp-143	176	14	.	.	PUNCT
gp-143	177	1	financial	financial	ADJ
gp-143	177	2	inclusion	inclusion	NOUN
gp-143	177	3	through	through	ADP
gp-143	177	4	fintech	fintech	NOUN
gp-143	177	5	in	in	ADP
gp-143	177	6	the	the	DET
gp-143	177	7	digital	digital	ADJ
gp-143	177	8	economy	economy	NOUN
gp-143	177	9	.	.	PUNCT
gp-143	178	1	ssrn	ssrn	PROPN
gp-143	178	2	electronic	electronic	ADJ
gp-143	178	3	journal	journal	PROPN
gp-143	178	4	.	.	PUNCT
gp-143	179	1	https://doi.org/10.2139/ssrn.3817243	https://doi.org/10.2139/ssrn.3817243	PROPN
gp-143	179	2	widiawati	widiawati	PROPN
gp-143	179	3	,	,	PUNCT
gp-143	179	4	w.	w.	PROPN
gp-143	179	5	,	,	PUNCT
gp-143	179	6	ani	ani	X
gp-143	179	7	nuraini	nuraini	PROPN
gp-143	179	8	,	,	PUNCT
gp-143	179	9	a.	a.	NOUN
gp-143	179	10	n.	n.	PROPN
gp-143	179	11	,	,	PUNCT
gp-143	179	12	&	&	CCONJ
gp-143	179	13	arif	arif	PROPN
gp-143	179	14	haryana	haryana	PROPN
gp-143	179	15	,	,	PUNCT
gp-143	179	16	a.	a.	PROPN
gp-143	179	17	h.	h.	PROPN
gp-143	179	18	(	(	PUNCT
gp-143	179	19	2023	2023	NUM
gp-143	179	20	)	)	PUNCT
gp-143	179	21	.	.	PUNCT
gp-143	180	1	analysis	analysis	NOUN
gp-143	180	2	of	of	ADP
gp-143	180	3	the	the	DET
gp-143	180	4	effect	effect	NOUN
gp-143	180	5	of	of	ADP
gp-143	180	6	sharia	sharia	PROPN
gp-143	180	7	financial	financial	ADJ
gp-143	180	8	technology	technology	NOUN
gp-143	180	9	(	(	PUNCT
gp-143	180	10	fintech	fintech	NOUN
gp-143	180	11	)	)	PUNCT
gp-143	180	12	on	on	ADP
gp-143	180	13	increasing	increase	VERB
gp-143	180	14	literacy	literacy	NOUN
gp-143	180	15	and	and	CCONJ
gp-143	180	16	inclusion	inclusion	NOUN
gp-143	180	17	of	of	ADP
gp-143	180	18	sharia	sharia	PROPN
gp-143	180	19	financial	financial	ADJ
gp-143	180	20	inclusion	inclusion	NOUN
gp-143	180	21	of	of	ADP
gp-143	180	22	msmes	msme	NOUN
gp-143	180	23	in	in	ADP
gp-143	180	24	dki	dki	PROPN
gp-143	180	25	jakarta	jakarta	PROPN
gp-143	180	26	.	.	PUNCT
gp-143	181	1	journal	journal	PROPN
gp-143	181	2	of	of	ADP
gp-143	181	3	entrepreneur	entrepreneur	NOUN
gp-143	181	4	and	and	CCONJ
gp-143	181	5	business	business	NOUN
gp-143	181	6	,	,	PUNCT
gp-143	181	7	1(1	1(1	NUM
gp-143	181	8	)	)	PUNCT
gp-143	181	9	,	,	PUNCT
gp-143	181	10	14–24	14–24	NUM
gp-143	181	11	.	.	PUNCT
gp-143	182	1	https://doi.org/10.52643/joeb.v1i1.22	https://doi.org/10.52643/joeb.v1i1.22	PROPN
gp-143	182	2	winarsih	winarsih	PROPN
gp-143	182	3	,	,	PUNCT
gp-143	182	4	w.	w.	PROPN
gp-143	182	5	,	,	PUNCT
gp-143	182	6	mutoharoh	mutoharoh	PROPN
gp-143	182	7	,	,	PUNCT
gp-143	182	8	m.	m.	NOUN
gp-143	182	9	,	,	PUNCT
gp-143	182	10	tahar	tahar	PROPN
gp-143	182	11	,	,	PUNCT
gp-143	182	12	e.	e.	PROPN
gp-143	182	13	,	,	PUNCT
gp-143	182	14	&	&	CCONJ
gp-143	182	15	aziz	aziz	PROPN
gp-143	182	16	,	,	PUNCT
gp-143	182	17	i.	i.	PROPN
gp-143	182	18	(	(	PUNCT
gp-143	182	19	2020	2020	NUM
gp-143	182	20	)	)	PUNCT
gp-143	182	21	.	.	PUNCT
gp-143	183	1	the	the	DET
gp-143	183	2	role	role	NOUN
gp-143	183	3	of	of	ADP
gp-143	183	4	fintech	fintech	NOUN
gp-143	183	5	and	and	CCONJ
gp-143	183	6	financial	financial	ADJ
gp-143	183	7	literacy	literacy	NOUN
gp-143	183	8	on	on	ADP
gp-143	183	9	smes	sme	NOUN
gp-143	183	10	sustainability	sustainability	NOUN
gp-143	183	11	.	.	PUNCT
gp-143	184	1	proceedings	proceeding	NOUN
gp-143	184	2	of	of	ADP
gp-143	184	3	the	the	DET
gp-143	184	4	1st	1st	ADJ
gp-143	184	5	international	international	ADJ
gp-143	184	6	conference	conference	NOUN
gp-143	184	7	on	on	ADP
gp-143	184	8	islamic	islamic	PROPN
gp-143	184	9	american	american	PROPN
gp-143	184	10	journal	journal	PROPN
gp-143	184	11	of	of	ADP
gp-143	184	12	economic	economic	ADJ
gp-143	184	13	and	and	CCONJ
gp-143	184	14	management	management	NOUN
gp-143	184	15	business	business	NOUN
gp-143	184	16	vol	vol	NOUN
gp-143	184	17	.	.	PROPN
gp-143	184	18	3	3	NUM
gp-143	184	19	no	no	NOUN
gp-143	184	20	.	.	PROPN
gp-143	185	1	12	12	NUM
gp-143	185	2	december	december	PROPN
gp-143	185	3	2024	2024	NUM
gp-143	185	4	482	482	NUM
gp-143	185	5	civilization	civilization	NOUN
gp-143	185	6	,	,	PUNCT
gp-143	185	7	icic	icic	PROPN
gp-143	185	8	2020	2020	NUM
gp-143	185	9	,	,	PUNCT
gp-143	185	10	27th	27th	ADJ
gp-143	185	11	august	august	PROPN
gp-143	185	12	2020	2020	NUM
gp-143	185	13	,	,	PUNCT
gp-143	185	14	semarang	semarang	PROPN
gp-143	185	15	,	,	PUNCT
gp-143	185	16	indonesia	indonesia	PROPN
gp-143	185	17	.	.	PUNCT
gp-143	186	1	https://doi.org/10.4108/eai.27-8-2020.2303270	https://doi.org/10.4108/eai.27-8-2020.2303270	PROPN
gp-143	186	2	copyright	copyright	NOUN
gp-143	186	3	holders	holder	NOUN
gp-143	186	4	:	:	PUNCT
gp-143	186	5	husnayetti	husnayetti	PROPN
gp-143	186	6	,	,	PUNCT
gp-143	186	7	tri	tri	PROPN
gp-143	186	8	budi	budi	PROPN
gp-143	186	9	astuti	astuti	PROPN
gp-143	186	10	,	,	PUNCT
gp-143	186	11	junarti	junarti	PROPN
gp-143	186	12	(	(	PUNCT
gp-143	186	13	2024	2024	NUM
gp-143	186	14	)	)	PUNCT
gp-143	186	15	first	first	ADJ
gp-143	186	16	publication	publication	NOUN
gp-143	186	17	right	right	NOUN
gp-143	186	18	:	:	PUNCT
gp-143	186	19	ajemb	ajemb	PROPN
gp-143	186	20	–	–	PUNCT
gp-143	186	21	american	american	ADJ
gp-143	186	22	journal	journal	PROPN
gp-143	186	23	of	of	ADP
gp-143	186	24	economic	economic	ADJ
gp-143	186	25	and	and	CCONJ
gp-143	186	26	management	management	NOUN
gp-143	186	27	business	business	NOUN