id	sid	tid	token	lemma	pos
gp-282	1	1	1021	1021	NUM
gp-282	1	2	american	american	PROPN
gp-282	1	3	journal	journal	PROPN
gp-282	1	4	of	of	ADP
gp-282	1	5	economic	economic	ADJ
gp-282	1	6	and	and	CCONJ
gp-282	1	7	management	management	NOUN
gp-282	1	8	business	business	NOUN
gp-282	1	9	e	e	NOUN
gp-282	1	10	-	-	NOUN
gp-282	1	11	issn	issn	ADJ
gp-282	1	12	:	:	PUNCT
gp-282	1	13	2835	2835	NUM
gp-282	1	14	-	-	SYM
gp-282	1	15	5199	5199	NUM
gp-282	1	16	vol	vol	NOUN
gp-282	1	17	.	.	PROPN
gp-282	1	18	4	4	NUM
gp-282	1	19	no	no	NOUN
gp-282	1	20	.	.	NOUN
gp-282	1	21	7	7	NUM
gp-282	1	22	july	july	PROPN
gp-282	1	23	2025	2025	NUM
gp-282	1	24	the	the	DET
gp-282	1	25	impact	impact	NOUN
gp-282	1	26	of	of	ADP
gp-282	1	27	competency	competency	NOUN
gp-282	1	28	and	and	CCONJ
gp-282	1	29	work	work	NOUN
gp-282	1	30	motivation	motivation	NOUN
gp-282	1	31	on	on	ADP
gp-282	1	32	the	the	DET
gp-282	1	33	performance	performance	NOUN
gp-282	1	34	(	(	PUNCT
gp-282	1	35	case	case	NOUN
gp-282	1	36	study	study	NOUN
gp-282	1	37	of	of	ADP
gp-282	1	38	consumer	consumer	NOUN
gp-282	1	39	loan	loan	NOUN
gp-282	1	40	ao	ao	PROPN
gp-282	1	41	at	at	ADP
gp-282	1	42	bank	bank	PROPN
gp-282	1	43	galuh	galuh	PROPN
gp-282	1	44	branch	branch	PROPN
gp-282	1	45	office	office	NOUN
gp-282	1	46	in	in	ADP
gp-282	1	47	bandung	bandung	PROPN
gp-282	1	48	region	region	NOUN
gp-282	1	49	)	)	PUNCT
gp-282	1	50	tiara	tiara	PROPN
gp-282	1	51	agustina	agustina	PROPN
gp-282	1	52	,	,	PUNCT
gp-282	1	53	achmad	achmad	PROPN
gp-282	1	54	ghazali	ghazali	PROPN
gp-282	1	55	institut	institut	PROPN
gp-282	1	56	teknologi	teknologi	PROPN
gp-282	1	57	bandung	bandung	PROPN
gp-282	1	58	,	,	PUNCT
gp-282	1	59	indonesia	indonesia	PROPN
gp-282	1	60	e	e	PROPN
gp-282	1	61	-	-	NOUN
gp-282	1	62	mail	mail	NOUN
gp-282	1	63	:	:	PUNCT
gp-282	1	64	tiara.henriko@gmail.com	tiara.henriko@gmail.com	NUM
gp-282	1	65	abstract	abstract	ADJ
gp-282	1	66	consumer	consumer	NOUN
gp-282	1	67	credit	credit	NOUN
gp-282	1	68	is	be	AUX
gp-282	1	69	one	one	NUM
gp-282	1	70	of	of	ADP
gp-282	1	71	the	the	DET
gp-282	1	72	main	main	ADJ
gp-282	1	73	sources	source	NOUN
gp-282	1	74	of	of	ADP
gp-282	1	75	income	income	NOUN
gp-282	1	76	for	for	ADP
gp-282	1	77	bank	bank	NOUN
gp-282	1	78	galuh	galuh	NOUN
gp-282	1	79	and	and	CCONJ
gp-282	1	80	plays	play	VERB
gp-282	1	81	a	a	DET
gp-282	1	82	strategic	strategic	ADJ
gp-282	1	83	role	role	NOUN
gp-282	1	84	in	in	ADP
gp-282	1	85	supporting	support	VERB
gp-282	1	86	the	the	DET
gp-282	1	87	company	company	NOUN
gp-282	1	88	's	's	PART
gp-282	1	89	business	business	NOUN
gp-282	1	90	growth	growth	NOUN
gp-282	1	91	.	.	PUNCT
gp-282	2	1	in	in	ADP
gp-282	2	2	this	this	DET
gp-282	2	3	process	process	NOUN
gp-282	2	4	,	,	PUNCT
gp-282	2	5	consumer	consumer	NOUN
gp-282	2	6	credit	credit	NOUN
gp-282	2	7	account	account	NOUN
gp-282	2	8	officers	officer	NOUN
gp-282	2	9	(	(	PUNCT
gp-282	2	10	ao	ao	PROPN
gp-282	2	11	)	)	PUNCT
gp-282	2	12	are	be	AUX
gp-282	2	13	at	at	ADP
gp-282	2	14	the	the	DET
gp-282	2	15	forefront	forefront	NOUN
gp-282	2	16	,	,	PUNCT
gp-282	2	17	directly	directly	ADV
gp-282	2	18	responsible	responsible	ADJ
gp-282	2	19	for	for	ADP
gp-282	2	20	customer	customer	NOUN
gp-282	2	21	acquisition	acquisition	NOUN
gp-282	2	22	,	,	PUNCT
gp-282	2	23	creditworthiness	creditworthiness	NOUN
gp-282	2	24	analysis	analysis	NOUN
gp-282	2	25	,	,	PUNCT
gp-282	2	26	and	and	CCONJ
gp-282	2	27	loan	loan	NOUN
gp-282	2	28	disbursement	disbursement	NOUN
gp-282	2	29	.	.	PUNCT
gp-282	3	1	however	however	ADV
gp-282	3	2	,	,	PUNCT
gp-282	3	3	based	base	VERB
gp-282	3	4	on	on	ADP
gp-282	3	5	field	field	NOUN
gp-282	3	6	data	datum	NOUN
gp-282	3	7	,	,	PUNCT
gp-282	3	8	there	there	PRON
gp-282	3	9	are	be	VERB
gp-282	3	10	disparities	disparity	NOUN
gp-282	3	11	in	in	ADP
gp-282	3	12	performance	performance	NOUN
gp-282	3	13	among	among	ADP
gp-282	3	14	aos	aos	PROPN
gp-282	3	15	in	in	ADP
gp-282	3	16	bandung	bandung	PROPN
gp-282	3	17	branch	branch	NOUN
gp-282	3	18	offices	office	NOUN
gp-282	3	19	.	.	PUNCT
gp-282	4	1	some	some	DET
gp-282	4	2	aos	aos	PROPN
gp-282	4	3	have	have	AUX
gp-282	4	4	exceeded	exceed	VERB
gp-282	4	5	their	their	PRON
gp-282	4	6	targets	target	NOUN
gp-282	4	7	,	,	PUNCT
gp-282	4	8	while	while	SCONJ
gp-282	4	9	others	other	NOUN
gp-282	4	10	have	have	AUX
gp-282	4	11	not	not	PART
gp-282	4	12	yet	yet	ADV
gp-282	4	13	achieved	achieve	VERB
gp-282	4	14	optimal	optimal	ADJ
gp-282	4	15	results	result	NOUN
gp-282	4	16	despite	despite	SCONJ
gp-282	4	17	operating	operate	VERB
gp-282	4	18	within	within	ADP
gp-282	4	19	the	the	DET
gp-282	4	20	same	same	ADJ
gp-282	4	21	system	system	NOUN
gp-282	4	22	.	.	PUNCT
gp-282	5	1	this	this	DET
gp-282	5	2	situation	situation	NOUN
gp-282	5	3	serves	serve	VERB
gp-282	5	4	as	as	ADP
gp-282	5	5	the	the	DET
gp-282	5	6	foundation	foundation	NOUN
gp-282	5	7	for	for	ADP
gp-282	5	8	this	this	DET
gp-282	5	9	study	study	NOUN
gp-282	5	10	to	to	PART
gp-282	5	11	further	far	ADV
gp-282	5	12	explore	explore	VERB
gp-282	5	13	the	the	DET
gp-282	5	14	factors	factor	NOUN
gp-282	5	15	influencing	influence	VERB
gp-282	5	16	these	these	DET
gp-282	5	17	performance	performance	NOUN
gp-282	5	18	differences	difference	NOUN
gp-282	5	19	.	.	PUNCT
gp-282	6	1	this	this	DET
gp-282	6	2	research	research	NOUN
gp-282	6	3	employs	employ	VERB
gp-282	6	4	multiple	multiple	ADJ
gp-282	6	5	linear	linear	ADJ
gp-282	6	6	regression	regression	NOUN
gp-282	6	7	analysis	analysis	NOUN
gp-282	6	8	to	to	PART
gp-282	6	9	test	test	VERB
gp-282	6	10	the	the	DET
gp-282	6	11	influence	influence	NOUN
gp-282	6	12	of	of	ADP
gp-282	6	13	competence	competence	NOUN
gp-282	6	14	and	and	CCONJ
gp-282	6	15	work	work	NOUN
gp-282	6	16	motivation	motivation	NOUN
gp-282	6	17	on	on	ADP
gp-282	6	18	performance	performance	NOUN
gp-282	6	19	.	.	PUNCT
gp-282	7	1	the	the	DET
gp-282	7	2	competencies	competency	NOUN
gp-282	7	3	referred	refer	VERB
gp-282	7	4	to	to	PART
gp-282	7	5	include	include	VERB
gp-282	7	6	the	the	DET
gp-282	7	7	technical	technical	ADJ
gp-282	7	8	,	,	PUNCT
gp-282	7	9	analytical	analytical	ADJ
gp-282	7	10	,	,	PUNCT
gp-282	7	11	and	and	CCONJ
gp-282	7	12	interpersonal	interpersonal	ADJ
gp-282	7	13	skills	skill	NOUN
gp-282	7	14	required	require	VERB
gp-282	7	15	by	by	ADP
gp-282	7	16	ao	ao	PROPN
gp-282	7	17	to	to	PART
gp-282	7	18	perform	perform	VERB
gp-282	7	19	their	their	PRON
gp-282	7	20	duties	duty	NOUN
gp-282	7	21	effectively	effectively	ADV
gp-282	7	22	.	.	PUNCT
gp-282	8	1	meanwhile	meanwhile	ADV
gp-282	8	2	,	,	PUNCT
gp-282	8	3	work	work	NOUN
gp-282	8	4	motivation	motivation	NOUN
gp-282	8	5	refers	refer	VERB
gp-282	8	6	to	to	ADP
gp-282	8	7	internal	internal	ADJ
gp-282	8	8	and	and	CCONJ
gp-282	8	9	external	external	ADJ
gp-282	8	10	drivers	driver	NOUN
gp-282	8	11	that	that	PRON
gp-282	8	12	influence	influence	VERB
gp-282	8	13	an	an	DET
gp-282	8	14	individual	individual	NOUN
gp-282	8	15	's	's	PART
gp-282	8	16	enthusiasm	enthusiasm	NOUN
gp-282	8	17	in	in	ADP
gp-282	8	18	achieving	achieve	VERB
gp-282	8	19	targets	target	NOUN
gp-282	8	20	and	and	CCONJ
gp-282	8	21	providing	provide	VERB
gp-282	8	22	the	the	DET
gp-282	8	23	best	good	ADJ
gp-282	8	24	service	service	NOUN
gp-282	8	25	.	.	PUNCT
gp-282	9	1	the	the	DET
gp-282	9	2	results	result	NOUN
gp-282	9	3	of	of	ADP
gp-282	9	4	the	the	DET
gp-282	9	5	analysis	analysis	NOUN
gp-282	9	6	show	show	VERB
gp-282	9	7	that	that	SCONJ
gp-282	9	8	both	both	DET
gp-282	9	9	competencies	competency	NOUN
gp-282	9	10	and	and	CCONJ
gp-282	9	11	work	work	NOUN
gp-282	9	12	motivation	motivation	NOUN
gp-282	9	13	have	have	VERB
gp-282	9	14	a	a	DET
gp-282	9	15	positive	positive	ADJ
gp-282	9	16	and	and	CCONJ
gp-282	9	17	significant	significant	ADJ
gp-282	9	18	influence	influence	NOUN
gp-282	9	19	on	on	ADP
gp-282	9	20	ao	ao	PROPN
gp-282	9	21	performance	performance	NOUN
gp-282	9	22	,	,	PUNCT
gp-282	9	23	both	both	PRON
gp-282	9	24	partially	partially	ADV
gp-282	9	25	and	and	CCONJ
gp-282	9	26	simultaneously	simultaneously	ADV
gp-282	9	27	.	.	PUNCT
gp-282	10	1	these	these	DET
gp-282	10	2	findings	finding	NOUN
gp-282	10	3	confirm	confirm	VERB
gp-282	10	4	that	that	SCONJ
gp-282	10	5	improving	improve	VERB
gp-282	10	6	employee	employee	NOUN
gp-282	10	7	performance	performance	NOUN
gp-282	10	8	does	do	AUX
gp-282	10	9	not	not	PART
gp-282	10	10	depend	depend	VERB
gp-282	10	11	solely	solely	ADV
gp-282	10	12	on	on	ADP
gp-282	10	13	a	a	DET
gp-282	10	14	target	target	NOUN
gp-282	10	15	system	system	NOUN
gp-282	10	16	,	,	PUNCT
gp-282	10	17	but	but	CCONJ
gp-282	10	18	also	also	ADV
gp-282	10	19	on	on	ADP
gp-282	10	20	personal	personal	ADJ
gp-282	10	21	qualities	quality	NOUN
gp-282	10	22	and	and	CCONJ
gp-282	10	23	individual	individual	ADJ
gp-282	10	24	work	work	NOUN
gp-282	10	25	motivation	motivation	NOUN
gp-282	10	26	.	.	PUNCT
gp-282	11	1	therefore	therefore	ADV
gp-282	11	2	,	,	PUNCT
gp-282	11	3	a	a	DET
gp-282	11	4	comprehensive	comprehensive	ADJ
gp-282	11	5	human	human	ADJ
gp-282	11	6	resource	resource	NOUN
gp-282	11	7	development	development	NOUN
gp-282	11	8	strategy	strategy	NOUN
gp-282	11	9	is	be	AUX
gp-282	11	10	needed	need	VERB
gp-282	11	11	,	,	PUNCT
gp-282	11	12	which	which	PRON
gp-282	11	13	not	not	PART
gp-282	11	14	only	only	ADV
gp-282	11	15	improves	improve	VERB
gp-282	11	16	technical	technical	ADJ
gp-282	11	17	skills	skill	NOUN
gp-282	11	18	but	but	CCONJ
gp-282	11	19	also	also	ADV
gp-282	11	20	builds	build	VERB
gp-282	11	21	healthy	healthy	ADJ
gp-282	11	22	and	and	CCONJ
gp-282	11	23	sustainable	sustainable	ADJ
gp-282	11	24	work	work	NOUN
gp-282	11	25	motivation	motivation	NOUN
gp-282	11	26	,	,	PUNCT
gp-282	11	27	especially	especially	ADV
gp-282	11	28	for	for	ADP
gp-282	11	29	aos	aos	PROPN
gp-282	11	30	who	who	PRON
gp-282	11	31	are	be	AUX
gp-282	11	32	at	at	ADP
gp-282	11	33	the	the	DET
gp-282	11	34	forefront	forefront	NOUN
gp-282	11	35	of	of	ADP
gp-282	11	36	consumer	consumer	NOUN
gp-282	11	37	credit	credit	NOUN
gp-282	11	38	services	service	NOUN
gp-282	11	39	at	at	ADP
gp-282	11	40	bank	bank	PROPN
gp-282	11	41	galuh	galuh	NOUN
gp-282	11	42	.	.	PUNCT
gp-282	12	1	keywords	keyword	NOUN
gp-282	12	2	:	:	PUNCT
gp-282	12	3	competence	competence	NOUN
gp-282	12	4	,	,	PUNCT
gp-282	12	5	work	work	NOUN
gp-282	12	6	motivation	motivation	NOUN
gp-282	12	7	,	,	PUNCT
gp-282	12	8	performance	performance	NOUN
gp-282	12	9	,	,	PUNCT
gp-282	12	10	account	account	NOUN
gp-282	12	11	officer	officer	NOUN
gp-282	12	12	,	,	PUNCT
gp-282	12	13	consumer	consumer	NOUN
gp-282	12	14	credit	credit	NOUN
gp-282	12	15	,	,	PUNCT
gp-282	12	16	bank	bank	NOUN
gp-282	12	17	galuh	galuh	PROPN
gp-282	12	18	.	.	PUNCT
gp-282	13	1	introduction	introduction	NOUN
gp-282	13	2	bank	bank	PROPN
gp-282	13	3	galuh	galuh	PROPN
gp-282	13	4	,	,	PUNCT
gp-282	13	5	as	as	ADP
gp-282	13	6	a	a	DET
gp-282	13	7	regional	regional	ADJ
gp-282	13	8	development	development	NOUN
gp-282	13	9	bank	bank	NOUN
gp-282	13	10	,	,	PUNCT
gp-282	13	11	has	have	VERB
gp-282	13	12	an	an	DET
gp-282	13	13	important	important	ADJ
gp-282	13	14	role	role	NOUN
gp-282	13	15	in	in	ADP
gp-282	13	16	encouraging	encourage	VERB
gp-282	13	17	economic	economic	ADJ
gp-282	13	18	growth	growth	NOUN
gp-282	13	19	in	in	ADP
gp-282	13	20	its	its	PRON
gp-282	13	21	operational	operational	ADJ
gp-282	13	22	areas	area	NOUN
gp-282	13	23	,	,	PUNCT
gp-282	13	24	especially	especially	ADV
gp-282	13	25	in	in	ADP
gp-282	13	26	the	the	DET
gp-282	13	27	provinces	province	NOUN
gp-282	13	28	of	of	ADP
gp-282	13	29	west	west	PROPN
gp-282	13	30	java	java	PROPN
gp-282	13	31	and	and	CCONJ
gp-282	13	32	banten	banten	PROPN
gp-282	13	33	(	(	PUNCT
gp-282	13	34	hasibuan	hasibuan	PROPN
gp-282	13	35	&	&	CCONJ
gp-282	13	36	panggabean	panggabean	PROPN
gp-282	13	37	,	,	PUNCT
gp-282	13	38	2021	2021	NUM
gp-282	13	39	)	)	PUNCT
gp-282	13	40	.	.	PUNCT
gp-282	14	1	along	along	ADP
gp-282	14	2	with	with	ADP
gp-282	14	3	the	the	DET
gp-282	14	4	development	development	NOUN
gp-282	14	5	of	of	ADP
gp-282	14	6	an	an	DET
gp-282	14	7	increasingly	increasingly	ADV
gp-282	14	8	competitive	competitive	ADJ
gp-282	14	9	banking	banking	NOUN
gp-282	14	10	industry	industry	NOUN
gp-282	14	11	,	,	PUNCT
gp-282	14	12	the	the	DET
gp-282	14	13	need	need	NOUN
gp-282	14	14	for	for	ADP
gp-282	14	15	professional	professional	ADJ
gp-282	14	16	and	and	CCONJ
gp-282	14	17	highly	highly	ADV
gp-282	14	18	competitive	competitive	ADJ
gp-282	14	19	human	human	ADJ
gp-282	14	20	resources	resource	NOUN
gp-282	14	21	is	be	AUX
gp-282	14	22	the	the	DET
gp-282	14	23	key	key	NOUN
gp-282	14	24	to	to	ADP
gp-282	14	25	business	business	NOUN
gp-282	14	26	sustainability	sustainability	NOUN
gp-282	14	27	(	(	PUNCT
gp-282	14	28	sutanto	sutanto	NOUN
gp-282	14	29	&	&	CCONJ
gp-282	14	30	dewi	dewi	PROPN
gp-282	14	31	,	,	PUNCT
gp-282	14	32	2020	2020	NUM
gp-282	14	33	)	)	PUNCT
gp-282	14	34	.	.	PUNCT
gp-282	15	1	one	one	NUM
gp-282	15	2	of	of	ADP
gp-282	15	3	the	the	DET
gp-282	15	4	important	important	ADJ
gp-282	15	5	elements	element	NOUN
gp-282	15	6	in	in	ADP
gp-282	15	7	supporting	support	VERB
gp-282	15	8	bank	bank	NOUN
gp-282	15	9	galuh	galuh	PROPN
gp-282	15	10	’s	’s	PART
gp-282	15	11	business	business	NOUN
gp-282	15	12	performance	performance	NOUN
gp-282	15	13	is	be	AUX
gp-282	15	14	the	the	DET
gp-282	15	15	performance	performance	NOUN
gp-282	15	16	of	of	ADP
gp-282	15	17	consumer	consumer	NOUN
gp-282	15	18	credit	credit	NOUN
gp-282	15	19	ao	ao	NOUN
gp-282	15	20	(	(	PUNCT
gp-282	15	21	ao	ao	PROPN
gp-282	15	22	)	)	PUNCT
gp-282	15	23	,	,	PUNCT
gp-282	15	24	who	who	PRON
gp-282	15	25	plays	play	VERB
gp-282	15	26	a	a	DET
gp-282	15	27	direct	direct	ADJ
gp-282	15	28	american	american	ADJ
gp-282	15	29	journal	journal	NOUN
gp-282	15	30	of	of	ADP
gp-282	15	31	economic	economic	ADJ
gp-282	15	32	and	and	CCONJ
gp-282	15	33	management	management	NOUN
gp-282	15	34	business	business	NOUN
gp-282	15	35	vol	vol	NOUN
gp-282	15	36	.	.	PROPN
gp-282	16	1	4	4	NUM
gp-282	16	2	no	no	NOUN
gp-282	16	3	.	.	NOUN
gp-282	17	1	7	7	NUM
gp-282	17	2	july	july	PROPN
gp-282	17	3	2025	2025	NUM
gp-282	17	4	1022	1022	NUM
gp-282	17	5	role	role	NOUN
gp-282	17	6	in	in	ADP
gp-282	17	7	the	the	DET
gp-282	17	8	process	process	NOUN
gp-282	17	9	of	of	ADP
gp-282	17	10	acquisition	acquisition	NOUN
gp-282	17	11	,	,	PUNCT
gp-282	17	12	analysis	analysis	NOUN
gp-282	17	13	,	,	PUNCT
gp-282	17	14	and	and	CCONJ
gp-282	17	15	disbursement	disbursement	NOUN
gp-282	17	16	of	of	ADP
gp-282	17	17	credit	credit	NOUN
gp-282	17	18	to	to	ADP
gp-282	17	19	retail	retail	ADJ
gp-282	17	20	customers	customer	NOUN
gp-282	17	21	(	(	PUNCT
gp-282	17	22	raharjo	raharjo	VERB
gp-282	17	23	et	et	PROPN
gp-282	17	24	al	al	PROPN
gp-282	17	25	.	.	PROPN
gp-282	17	26	,	,	PUNCT
gp-282	17	27	2020	2020	NUM
gp-282	17	28	)	)	PUNCT
gp-282	17	29	.	.	PUNCT
gp-282	18	1	the	the	DET
gp-282	18	2	effectiveness	effectiveness	NOUN
gp-282	18	3	of	of	ADP
gp-282	18	4	ao	ao	PROPN
gp-282	18	5	performance	performance	NOUN
gp-282	18	6	is	be	AUX
gp-282	18	7	closely	closely	ADV
gp-282	18	8	tied	tie	VERB
gp-282	18	9	to	to	ADP
gp-282	18	10	competencies	competency	NOUN
gp-282	18	11	such	such	ADJ
gp-282	18	12	as	as	ADP
gp-282	18	13	financial	financial	ADJ
gp-282	18	14	analysis	analysis	NOUN
gp-282	18	15	skills	skill	NOUN
gp-282	18	16	,	,	PUNCT
gp-282	18	17	customer	customer	NOUN
gp-282	18	18	engagement	engagement	NOUN
gp-282	18	19	,	,	PUNCT
gp-282	18	20	and	and	CCONJ
gp-282	18	21	risk	risk	NOUN
gp-282	18	22	mitigation	mitigation	NOUN
gp-282	18	23	(	(	PUNCT
gp-282	18	24	fitriani	fitriani	X
gp-282	18	25	&	&	CCONJ
gp-282	18	26	santosa	santosa	PROPN
gp-282	18	27	,	,	PUNCT
gp-282	18	28	2021	2021	NUM
gp-282	18	29	)	)	PUNCT
gp-282	18	30	.	.	PUNCT
gp-282	19	1	in	in	ADP
gp-282	19	2	regional	regional	ADJ
gp-282	19	3	development	development	NOUN
gp-282	19	4	banks	bank	NOUN
gp-282	19	5	,	,	PUNCT
gp-282	19	6	the	the	DET
gp-282	19	7	credit	credit	NOUN
gp-282	19	8	officer	officer	NOUN
gp-282	19	9	's	's	PART
gp-282	19	10	performance	performance	NOUN
gp-282	19	11	has	have	VERB
gp-282	19	12	a	a	DET
gp-282	19	13	direct	direct	ADJ
gp-282	19	14	effect	effect	NOUN
gp-282	19	15	on	on	ADP
gp-282	19	16	loan	loan	NOUN
gp-282	19	17	portfolio	portfolio	NOUN
gp-282	19	18	quality	quality	NOUN
gp-282	19	19	and	and	CCONJ
gp-282	19	20	customer	customer	NOUN
gp-282	19	21	satisfaction	satisfaction	NOUN
gp-282	19	22	(	(	PUNCT
gp-282	19	23	anggraini	anggraini	NOUN
gp-282	19	24	&	&	CCONJ
gp-282	19	25	nugroho	nugroho	NOUN
gp-282	19	26	,	,	PUNCT
gp-282	19	27	2019	2019	NUM
gp-282	19	28	)	)	PUNCT
gp-282	19	29	.	.	PUNCT
gp-282	20	1	moreover	moreover	ADV
gp-282	20	2	,	,	PUNCT
gp-282	20	3	the	the	DET
gp-282	20	4	sustainability	sustainability	NOUN
gp-282	20	5	of	of	ADP
gp-282	20	6	lending	lending	NOUN
gp-282	20	7	practices	practice	NOUN
gp-282	20	8	at	at	ADP
gp-282	20	9	the	the	DET
gp-282	20	10	retail	retail	ADJ
gp-282	20	11	level	level	NOUN
gp-282	20	12	is	be	AUX
gp-282	20	13	highly	highly	ADV
gp-282	20	14	dependent	dependent	ADJ
gp-282	20	15	on	on	ADP
gp-282	20	16	ao	ao	PROPN
gp-282	20	17	’s	’s	PART
gp-282	20	18	adherence	adherence	NOUN
gp-282	20	19	to	to	ADP
gp-282	20	20	prudent	prudent	ADJ
gp-282	20	21	banking	banking	NOUN
gp-282	20	22	principles	principle	NOUN
gp-282	20	23	and	and	CCONJ
gp-282	20	24	regulatory	regulatory	ADJ
gp-282	20	25	compliance	compliance	NOUN
gp-282	20	26	(	(	PUNCT
gp-282	20	27	suryani	suryani	PROPN
gp-282	20	28	&	&	CCONJ
gp-282	20	29	yulianto	yulianto	NOUN
gp-282	20	30	,	,	PUNCT
gp-282	20	31	2022	2022	NUM
gp-282	20	32	)	)	PUNCT
gp-282	20	33	.	.	PUNCT
gp-282	21	1	therefore	therefore	ADV
gp-282	21	2	,	,	PUNCT
gp-282	21	3	strengthening	strengthen	VERB
gp-282	21	4	ao	ao	NOUN
gp-282	21	5	capacity	capacity	NOUN
gp-282	21	6	through	through	ADP
gp-282	21	7	training	training	NOUN
gp-282	21	8	,	,	PUNCT
gp-282	21	9	incentives	incentive	NOUN
gp-282	21	10	,	,	PUNCT
gp-282	21	11	and	and	CCONJ
gp-282	21	12	performance	performance	NOUN
gp-282	21	13	appraisal	appraisal	NOUN
gp-282	21	14	mechanisms	mechanism	NOUN
gp-282	21	15	becomes	become	VERB
gp-282	21	16	essential	essential	ADJ
gp-282	21	17	for	for	ADP
gp-282	21	18	ensuring	ensure	VERB
gp-282	21	19	competitive	competitive	ADJ
gp-282	21	20	advantage	advantage	NOUN
gp-282	21	21	in	in	ADP
gp-282	21	22	the	the	DET
gp-282	21	23	banking	banking	NOUN
gp-282	21	24	sector	sector	NOUN
gp-282	21	25	(	(	PUNCT
gp-282	21	26	wulandari	wulandari	PROPN
gp-282	21	27	&	&	CCONJ
gp-282	21	28	saputra	saputra	PROPN
gp-282	21	29	,	,	PUNCT
gp-282	21	30	2020	2020	NUM
gp-282	21	31	)	)	PUNCT
gp-282	21	32	.	.	PUNCT
gp-282	22	1	based	base	VERB
gp-282	22	2	on	on	ADP
gp-282	22	3	bank	bank	PROPN
gp-282	22	4	galuh	galuh	PROPN
gp-282	22	5	’s	’s	PART
gp-282	22	6	financial	financial	ADJ
gp-282	22	7	statements	statement	NOUN
gp-282	22	8	,	,	PUNCT
gp-282	22	9	in	in	ADP
gp-282	22	10	the	the	DET
gp-282	22	11	last	last	ADJ
gp-282	22	12	three	three	NUM
gp-282	22	13	years	year	NOUN
gp-282	22	14	(	(	PUNCT
gp-282	22	15	2022–2024	2022–2024	NUM
gp-282	22	16	)	)	PUNCT
gp-282	22	17	,	,	PUNCT
gp-282	22	18	it	it	PRON
gp-282	22	19	was	be	AUX
gp-282	22	20	recorded	record	VERB
gp-282	22	21	that	that	SCONJ
gp-282	22	22	the	the	DET
gp-282	22	23	company	company	NOUN
gp-282	22	24	’s	’s	PART
gp-282	22	25	profit	profit	NOUN
gp-282	22	26	experienced	experience	VERB
gp-282	22	27	a	a	DET
gp-282	22	28	downward	downward	ADJ
gp-282	22	29	trend	trend	NOUN
gp-282	22	30	,	,	PUNCT
gp-282	22	31	from	from	ADP
gp-282	22	32	rp2.245	rp2.245	PROPN
gp-282	22	33	billion	billion	NUM
gp-282	22	34	in	in	ADP
gp-282	22	35	2022	2022	NUM
gp-282	22	36	,	,	PUNCT
gp-282	22	37	decreasing	decrease	VERB
gp-282	22	38	to	to	ADP
gp-282	22	39	rp1.681	rp1.681	PROPN
gp-282	22	40	billion	billion	NUM
gp-282	22	41	in	in	ADP
gp-282	22	42	2023	2023	NUM
gp-282	22	43	,	,	PUNCT
gp-282	22	44	and	and	CCONJ
gp-282	22	45	then	then	ADV
gp-282	22	46	decreasing	decrease	VERB
gp-282	22	47	again	again	ADV
gp-282	22	48	to	to	ADP
gp-282	22	49	rp1.455	rp1.455	ADP
gp-282	22	50	billion	billion	NUM
gp-282	22	51	in	in	ADP
gp-282	22	52	2024	2024	NUM
gp-282	22	53	.	.	PUNCT
gp-282	23	1	this	this	DET
gp-282	23	2	condition	condition	NOUN
gp-282	23	3	indicates	indicate	VERB
gp-282	23	4	that	that	SCONJ
gp-282	23	5	the	the	DET
gp-282	23	6	bank	bank	NOUN
gp-282	23	7	needs	need	VERB
gp-282	23	8	to	to	PART
gp-282	23	9	conduct	conduct	VERB
gp-282	23	10	a	a	DET
gp-282	23	11	comprehensive	comprehensive	ADJ
gp-282	23	12	evaluation	evaluation	NOUN
gp-282	23	13	of	of	ADP
gp-282	23	14	strategic	strategic	ADJ
gp-282	23	15	aspects	aspect	NOUN
gp-282	23	16	,	,	PUNCT
gp-282	23	17	one	one	NUM
gp-282	23	18	of	of	ADP
gp-282	23	19	which	which	PRON
gp-282	23	20	is	be	AUX
gp-282	23	21	the	the	DET
gp-282	23	22	management	management	NOUN
gp-282	23	23	of	of	ADP
gp-282	23	24	productivity	productivity	NOUN
gp-282	23	25	and	and	CCONJ
gp-282	23	26	the	the	DET
gp-282	23	27	contributions	contribution	NOUN
gp-282	23	28	of	of	ADP
gp-282	23	29	business	business	NOUN
gp-282	23	30	divisions	division	NOUN
gp-282	23	31	(	(	PUNCT
gp-282	23	32	berger	berger	PROPN
gp-282	23	33	&	&	CCONJ
gp-282	23	34	bouwman	bouwman	PROPN
gp-282	23	35	,	,	PUNCT
gp-282	23	36	2013	2013	NUM
gp-282	23	37	)	)	PUNCT
gp-282	23	38	.	.	PUNCT
gp-282	24	1	a	a	DET
gp-282	24	2	declining	decline	VERB
gp-282	24	3	profit	profit	NOUN
gp-282	24	4	trend	trend	NOUN
gp-282	24	5	in	in	ADP
gp-282	24	6	banks	bank	NOUN
gp-282	24	7	is	be	AUX
gp-282	24	8	often	often	ADV
gp-282	24	9	linked	link	VERB
gp-282	24	10	to	to	ADP
gp-282	24	11	inefficiencies	inefficiency	NOUN
gp-282	24	12	in	in	ADP
gp-282	24	13	operational	operational	ADJ
gp-282	24	14	cost	cost	NOUN
gp-282	24	15	structures	structure	NOUN
gp-282	24	16	or	or	CCONJ
gp-282	24	17	underperformance	underperformance	NOUN
gp-282	24	18	in	in	ADP
gp-282	24	19	credit	credit	NOUN
gp-282	24	20	distribution	distribution	NOUN
gp-282	24	21	(	(	PUNCT
gp-282	24	22	bitar	bitar	NOUN
gp-282	24	23	et	et	NOUN
gp-282	24	24	al	al	PROPN
gp-282	24	25	.	.	PROPN
gp-282	24	26	,	,	PUNCT
gp-282	24	27	2018	2018	NUM
gp-282	24	28	)	)	PUNCT
gp-282	24	29	.	.	PUNCT
gp-282	25	1	strategic	strategic	ADJ
gp-282	25	2	productivity	productivity	NOUN
gp-282	25	3	management	management	NOUN
gp-282	25	4	is	be	AUX
gp-282	25	5	essential	essential	ADJ
gp-282	25	6	in	in	ADP
gp-282	25	7	ensuring	ensure	VERB
gp-282	25	8	that	that	SCONJ
gp-282	25	9	all	all	DET
gp-282	25	10	departments	department	NOUN
gp-282	25	11	contribute	contribute	VERB
gp-282	25	12	optimally	optimally	ADV
gp-282	25	13	to	to	PART
gp-282	25	14	value	value	VERB
gp-282	25	15	creation	creation	NOUN
gp-282	25	16	(	(	PUNCT
gp-282	25	17	kapelko	kapelko	PROPN
gp-282	25	18	et	et	PROPN
gp-282	25	19	al	al	PROPN
gp-282	25	20	.	.	PROPN
gp-282	25	21	,	,	PUNCT
gp-282	25	22	2015	2015	NUM
gp-282	25	23	)	)	PUNCT
gp-282	25	24	.	.	PUNCT
gp-282	26	1	moreover	moreover	ADV
gp-282	26	2	,	,	PUNCT
gp-282	26	3	maintaining	maintain	VERB
gp-282	26	4	profitability	profitability	NOUN
gp-282	26	5	requires	require	VERB
gp-282	26	6	continuous	continuous	ADJ
gp-282	26	7	improvement	improvement	NOUN
gp-282	26	8	in	in	ADP
gp-282	26	9	technological	technological	ADJ
gp-282	26	10	adoption	adoption	NOUN
gp-282	26	11	,	,	PUNCT
gp-282	26	12	service	service	NOUN
gp-282	26	13	innovation	innovation	NOUN
gp-282	26	14	,	,	PUNCT
gp-282	26	15	and	and	CCONJ
gp-282	26	16	market	market	NOUN
gp-282	26	17	responsiveness	responsiveness	NOUN
gp-282	26	18	(	(	PUNCT
gp-282	26	19	delis	deli	NOUN
gp-282	26	20	&	&	CCONJ
gp-282	26	21	kouretas	koureta	NOUN
gp-282	26	22	,	,	PUNCT
gp-282	26	23	2011	2011	NUM
gp-282	26	24	)	)	PUNCT
gp-282	26	25	.	.	PUNCT
gp-282	27	1	business	business	NOUN
gp-282	27	2	division	division	NOUN
gp-282	27	3	performance	performance	NOUN
gp-282	27	4	needs	need	VERB
gp-282	27	5	to	to	PART
gp-282	27	6	be	be	AUX
gp-282	27	7	closely	closely	ADV
gp-282	27	8	monitored	monitor	VERB
gp-282	27	9	through	through	ADP
gp-282	27	10	performance	performance	NOUN
gp-282	27	11	indicators	indicator	NOUN
gp-282	27	12	and	and	CCONJ
gp-282	27	13	financial	financial	ADJ
gp-282	27	14	contribution	contribution	NOUN
gp-282	27	15	ratios	ratio	NOUN
gp-282	27	16	(	(	PUNCT
gp-282	27	17	yilmaz	yilmaz	PROPN
gp-282	27	18	&	&	CCONJ
gp-282	27	19	uslu	uslu	PROPN
gp-282	27	20	,	,	PUNCT
gp-282	27	21	2016	2016	NUM
gp-282	27	22	)	)	PUNCT
gp-282	27	23	.	.	PUNCT
gp-282	28	1	in	in	ADP
gp-282	28	2	addition	addition	NOUN
gp-282	28	3	,	,	PUNCT
gp-282	28	4	effective	effective	ADJ
gp-282	28	5	resource	resource	NOUN
gp-282	28	6	allocation	allocation	NOUN
gp-282	28	7	and	and	CCONJ
gp-282	28	8	risk	risk	NOUN
gp-282	28	9	management	management	NOUN
gp-282	28	10	practices	practice	NOUN
gp-282	28	11	significantly	significantly	ADV
gp-282	28	12	influence	influence	VERB
gp-282	28	13	the	the	DET
gp-282	28	14	bottom	bottom	ADJ
gp-282	28	15	-	-	PUNCT
gp-282	28	16	line	line	NOUN
gp-282	28	17	of	of	ADP
gp-282	28	18	regional	regional	ADJ
gp-282	28	19	banks	bank	NOUN
gp-282	28	20	(	(	PUNCT
gp-282	28	21	louzis	louzi	NOUN
gp-282	28	22	et	et	PROPN
gp-282	28	23	al	al	PROPN
gp-282	28	24	.	.	PROPN
gp-282	28	25	,	,	PUNCT
gp-282	28	26	2012	2012	NUM
gp-282	28	27	)	)	PUNCT
gp-282	28	28	.	.	PUNCT
gp-282	29	1	therefore	therefore	ADV
gp-282	29	2	,	,	PUNCT
gp-282	29	3	adopting	adopt	VERB
gp-282	29	4	a	a	DET
gp-282	29	5	data	data	NOUN
gp-282	29	6	-	-	PUNCT
gp-282	29	7	driven	drive	VERB
gp-282	29	8	and	and	CCONJ
gp-282	29	9	integrative	integrative	ADJ
gp-282	29	10	strategic	strategic	ADJ
gp-282	29	11	review	review	NOUN
gp-282	29	12	is	be	AUX
gp-282	29	13	a	a	DET
gp-282	29	14	necessary	necessary	ADJ
gp-282	29	15	step	step	NOUN
gp-282	29	16	for	for	ADP
gp-282	29	17	financial	financial	ADJ
gp-282	29	18	stability	stability	NOUN
gp-282	29	19	and	and	CCONJ
gp-282	29	20	long	long	ADJ
gp-282	29	21	-	-	PUNCT
gp-282	29	22	term	term	NOUN
gp-282	29	23	sustainability	sustainability	NOUN
gp-282	29	24	(	(	PUNCT
gp-282	29	25	beccalli	beccalli	NOUN
gp-282	29	26	et	et	PROPN
gp-282	29	27	al	al	PROPN
gp-282	29	28	.	.	PROPN
gp-282	29	29	,	,	PUNCT
gp-282	29	30	2015	2015	NUM
gp-282	29	31	)	)	PUNCT
gp-282	29	32	.	.	PUNCT
gp-282	30	1	figure	figure	NOUN
gp-282	30	2	1	1	NUM
gp-282	30	3	.	.	PUNCT
gp-282	30	4	bank	bank	NOUN
gp-282	30	5	galuh	galuh	NOUN
gp-282	30	6	profit	profit	NOUN
gp-282	30	7	in	in	ADP
gp-282	30	8	2022	2022	NUM
gp-282	30	9	,	,	PUNCT
gp-282	30	10	2023	2023	NUM
gp-282	30	11	,	,	PUNCT
gp-282	30	12	2024	2024	NUM
gp-282	30	13	source	source	NOUN
gp-282	30	14	:	:	PUNCT
gp-282	30	15	internal	internal	ADJ
gp-282	30	16	data	datum	NOUN
gp-282	30	17	of	of	ADP
gp-282	30	18	bank	bank	PROPN
gp-282	30	19	galuh	galuh	PROPN
gp-282	30	20	,	,	PUNCT
gp-282	30	21	2025	2025	NUM
gp-282	30	22	tiara	tiara	NOUN
gp-282	30	23	agustina	agustina	PROPN
gp-282	30	24	,	,	PUNCT
gp-282	30	25	achmad	achmad	NOUN
gp-282	30	26	ghazali	ghazali	VERB
gp-282	30	27	1023	1023	NUM
gp-282	30	28	one	one	NUM
gp-282	30	29	of	of	ADP
gp-282	30	30	the	the	DET
gp-282	30	31	main	main	ADJ
gp-282	30	32	contributing	contribute	VERB
gp-282	30	33	segments	segment	NOUN
gp-282	30	34	in	in	ADP
gp-282	30	35	bank	bank	NOUN
gp-282	30	36	galuh	galuh	PROPN
gp-282	30	37	's	's	PART
gp-282	30	38	credit	credit	NOUN
gp-282	30	39	portfolio	portfolio	NOUN
gp-282	30	40	structure	structure	NOUN
gp-282	30	41	is	be	AUX
gp-282	30	42	the	the	DET
gp-282	30	43	consumer	consumer	NOUN
gp-282	30	44	credit	credit	NOUN
gp-282	30	45	segment	segment	NOUN
gp-282	30	46	,	,	PUNCT
gp-282	30	47	with	with	ADP
gp-282	30	48	total	total	NOUN
gp-282	30	49	outstanding	outstanding	ADJ
gp-282	30	50	as	as	ADP
gp-282	30	51	of	of	ADP
gp-282	30	52	december	december	PROPN
gp-282	30	53	2024	2024	NUM
gp-282	30	54	amounting	amount	VERB
gp-282	30	55	to	to	ADP
gp-282	30	56	rp6.97	rp6.97	NOUN
gp-282	30	57	trillion	trillion	NUM
gp-282	30	58	,	,	PUNCT
gp-282	30	59	or	or	CCONJ
gp-282	30	60	around	around	ADV
gp-282	30	61	65	65	NUM
gp-282	30	62	%	%	NOUN
gp-282	30	63	of	of	ADP
gp-282	30	64	the	the	DET
gp-282	30	65	total	total	ADJ
gp-282	30	66	credit	credit	NOUN
gp-282	30	67	portfolio	portfolio	NOUN
gp-282	30	68	,	,	PUNCT
gp-282	30	69	which	which	PRON
gp-282	30	70	reached	reach	VERB
gp-282	30	71	rp10.73	rp10.73	PROPN
gp-282	30	72	trillion	trillion	NUM
gp-282	30	73	.	.	PUNCT
gp-282	31	1	the	the	DET
gp-282	31	2	dominance	dominance	NOUN
gp-282	31	3	of	of	ADP
gp-282	31	4	this	this	DET
gp-282	31	5	segment	segment	NOUN
gp-282	31	6	not	not	PART
gp-282	31	7	only	only	ADV
gp-282	31	8	shows	show	VERB
gp-282	31	9	the	the	DET
gp-282	31	10	important	important	ADJ
gp-282	31	11	role	role	NOUN
gp-282	31	12	of	of	ADP
gp-282	31	13	consumer	consumer	NOUN
gp-282	31	14	credit	credit	NOUN
gp-282	31	15	in	in	ADP
gp-282	31	16	maintaining	maintain	VERB
gp-282	31	17	the	the	DET
gp-282	31	18	bank	bank	NOUN
gp-282	31	19	's	's	PART
gp-282	31	20	income	income	NOUN
gp-282	31	21	,	,	PUNCT
gp-282	31	22	but	but	CCONJ
gp-282	31	23	also	also	ADV
gp-282	31	24	places	place	VERB
gp-282	31	25	consumer	consumer	NOUN
gp-282	31	26	credit	credit	NOUN
gp-282	31	27	aos	aos	PROPN
gp-282	31	28	as	as	ADP
gp-282	31	29	the	the	DET
gp-282	31	30	frontline	frontline	NOUN
gp-282	31	31	that	that	PRON
gp-282	31	32	determines	determine	VERB
gp-282	31	33	the	the	DET
gp-282	31	34	achievement	achievement	NOUN
gp-282	31	35	of	of	ADP
gp-282	31	36	company	company	NOUN
gp-282	31	37	targets	target	NOUN
gp-282	31	38	.	.	PUNCT
gp-282	32	1	compared	compare	VERB
gp-282	32	2	to	to	ADP
gp-282	32	3	the	the	DET
gp-282	32	4	working	work	VERB
gp-282	32	5	capital	capital	NOUN
gp-282	32	6	(	(	PUNCT
gp-282	32	7	17	17	NUM
gp-282	32	8	%	%	NOUN
gp-282	32	9	)	)	PUNCT
gp-282	32	10	and	and	CCONJ
gp-282	32	11	investment	investment	NOUN
gp-282	32	12	(	(	PUNCT
gp-282	32	13	18	18	NUM
gp-282	32	14	%	%	NOUN
gp-282	32	15	)	)	PUNCT
gp-282	32	16	segments	segment	NOUN
gp-282	32	17	,	,	PUNCT
gp-282	32	18	the	the	DET
gp-282	32	19	contribution	contribution	NOUN
gp-282	32	20	of	of	ADP
gp-282	32	21	consumer	consumer	NOUN
gp-282	32	22	credit	credit	NOUN
gp-282	32	23	is	be	AUX
gp-282	32	24	the	the	DET
gp-282	32	25	main	main	ADJ
gp-282	32	26	pillar	pillar	NOUN
gp-282	32	27	that	that	PRON
gp-282	32	28	must	must	AUX
gp-282	32	29	be	be	AUX
gp-282	32	30	maintained	maintain	VERB
gp-282	32	31	to	to	PART
gp-282	32	32	ensure	ensure	VERB
gp-282	32	33	quality	quality	NOUN
gp-282	32	34	and	and	CCONJ
gp-282	32	35	sustainable	sustainable	ADJ
gp-282	32	36	growth	growth	NOUN
gp-282	32	37	(	(	PUNCT
gp-282	32	38	vahid	vahid	PROPN
gp-282	32	39	-	-	PUNCT
gp-282	32	40	golpayegani	golpayegani	PROPN
gp-282	32	41	,	,	PUNCT
gp-282	32	42	2024	2024	NUM
gp-282	32	43	)	)	PUNCT
gp-282	32	44	.	.	PUNCT
gp-282	33	1	figure	figure	NOUN
gp-282	33	2	2	2	NUM
gp-282	33	3	.	.	PUNCT
gp-282	33	4	credit	credit	NOUN
gp-282	33	5	portfolio	portfolio	NOUN
gp-282	33	6	structure	structure	NOUN
gp-282	33	7	at	at	ADP
gp-282	33	8	bank	bank	PROPN
gp-282	33	9	galuh	galuh	NOUN
gp-282	33	10	in	in	ADP
gp-282	33	11	2024	2024	NUM
gp-282	33	12	source	source	NOUN
gp-282	33	13	:	:	PUNCT
gp-282	33	14	internal	internal	ADJ
gp-282	33	15	data	datum	NOUN
gp-282	33	16	of	of	ADP
gp-282	33	17	bank	bank	PROPN
gp-282	33	18	galuh	galuh	NOUN
gp-282	33	19	,	,	PUNCT
gp-282	33	20	2025	2025	NUM
gp-282	33	21	according	accord	VERB
gp-282	33	22	to	to	ADP
gp-282	33	23	spencer	spencer	PROPN
gp-282	33	24	&	&	CCONJ
gp-282	33	25	spencer	spencer	PROPN
gp-282	33	26	(	(	PUNCT
gp-282	33	27	1993	1993	NUM
gp-282	33	28	)	)	PUNCT
gp-282	33	29	,	,	PUNCT
gp-282	33	30	competence	competence	NOUN
gp-282	33	31	is	be	AUX
gp-282	33	32	a	a	DET
gp-282	33	33	basic	basic	ADJ
gp-282	33	34	characteristic	characteristic	NOUN
gp-282	33	35	that	that	PRON
gp-282	33	36	is	be	AUX
gp-282	33	37	directly	directly	ADV
gp-282	33	38	related	relate	VERB
gp-282	33	39	to	to	ADP
gp-282	33	40	a	a	DET
gp-282	33	41	person	person	NOUN
gp-282	33	42	's	's	PART
gp-282	33	43	success	success	NOUN
gp-282	33	44	at	at	ADP
gp-282	33	45	work	work	NOUN
gp-282	33	46	.	.	PUNCT
gp-282	34	1	meanwhile	meanwhile	ADV
gp-282	34	2	,	,	PUNCT
gp-282	34	3	according	accord	VERB
gp-282	34	4	to	to	ADP
gp-282	34	5	herzberg	herzberg	PROPN
gp-282	34	6	(	(	PUNCT
gp-282	34	7	1959	1959	NUM
gp-282	34	8	)	)	PUNCT
gp-282	34	9	,	,	PUNCT
gp-282	34	10	strong	strong	ADJ
gp-282	34	11	work	work	NOUN
gp-282	34	12	motivation	motivation	NOUN
gp-282	34	13	will	will	AUX
gp-282	34	14	encourage	encourage	VERB
gp-282	34	15	a	a	DET
gp-282	34	16	person	person	NOUN
gp-282	34	17	to	to	PART
gp-282	34	18	be	be	AUX
gp-282	34	19	more	more	ADV
gp-282	34	20	committed	committed	ADJ
gp-282	34	21	and	and	CCONJ
gp-282	34	22	contribute	contribute	VERB
gp-282	34	23	optimally	optimally	ADV
gp-282	34	24	to	to	ADP
gp-282	34	25	the	the	DET
gp-282	34	26	organization	organization	NOUN
gp-282	34	27	.	.	PUNCT
gp-282	35	1	thus	thus	ADV
gp-282	35	2	,	,	PUNCT
gp-282	35	3	in	in	ADP
gp-282	35	4	this	this	DET
gp-282	35	5	study	study	NOUN
gp-282	35	6	,	,	PUNCT
gp-282	35	7	researchers	researcher	NOUN
gp-282	35	8	are	be	AUX
gp-282	35	9	interested	interested	ADJ
gp-282	35	10	in	in	ADP
gp-282	35	11	analyzing	analyze	VERB
gp-282	35	12	the	the	DET
gp-282	35	13	impact	impact	NOUN
gp-282	35	14	of	of	ADP
gp-282	35	15	competence	competence	NOUN
gp-282	35	16	and	and	CCONJ
gp-282	35	17	work	work	NOUN
gp-282	35	18	motivation	motivation	NOUN
gp-282	35	19	on	on	ADP
gp-282	35	20	the	the	DET
gp-282	35	21	performance	performance	NOUN
gp-282	35	22	of	of	ADP
gp-282	35	23	consumer	consumer	NOUN
gp-282	35	24	credit	credit	NOUN
gp-282	35	25	aos	aos	PROPN
gp-282	35	26	.	.	PUNCT
gp-282	36	1	the	the	DET
gp-282	36	2	objectives	objective	NOUN
gp-282	36	3	,	,	PUNCT
gp-282	36	4	which	which	PRON
gp-282	36	5	are	be	AUX
gp-282	36	6	based	base	VERB
gp-282	36	7	on	on	ADP
gp-282	36	8	the	the	DET
gp-282	36	9	research	research	NOUN
gp-282	36	10	questions	question	NOUN
gp-282	36	11	,	,	PUNCT
gp-282	36	12	are	be	AUX
gp-282	36	13	as	as	SCONJ
gp-282	36	14	follows	follow	VERB
gp-282	36	15	:	:	PUNCT
gp-282	36	16	to	to	PART
gp-282	36	17	understand	understand	VERB
gp-282	36	18	how	how	SCONJ
gp-282	36	19	much	much	ADJ
gp-282	36	20	influence	influence	NOUN
gp-282	36	21	consumer	consumer	NOUN
gp-282	36	22	loan	loan	NOUN
gp-282	36	23	aos	aos	PROPN
gp-282	36	24	have	have	VERB
gp-282	36	25	on	on	ADP
gp-282	36	26	their	their	PRON
gp-282	36	27	performance	performance	NOUN
gp-282	36	28	;	;	PUNCT
gp-282	36	29	to	to	PART
gp-282	36	30	examine	examine	VERB
gp-282	36	31	how	how	SCONJ
gp-282	36	32	aspects	aspect	NOUN
gp-282	36	33	of	of	ADP
gp-282	36	34	work	work	NOUN
gp-282	36	35	motivation	motivation	NOUN
gp-282	36	36	,	,	PUNCT
gp-282	36	37	including	include	VERB
gp-282	36	38	its	its	PRON
gp-282	36	39	various	various	ADJ
gp-282	36	40	dimensions	dimension	NOUN
gp-282	36	41	,	,	PUNCT
gp-282	36	42	affect	affect	VERB
gp-282	36	43	the	the	DET
gp-282	36	44	performance	performance	NOUN
gp-282	36	45	of	of	ADP
gp-282	36	46	consumer	consumer	NOUN
gp-282	36	47	loan	loan	NOUN
gp-282	36	48	aos	aos	PROPN
gp-282	36	49	;	;	PUNCT
gp-282	36	50	to	to	PART
gp-282	36	51	evaluate	evaluate	VERB
gp-282	36	52	how	how	SCONJ
gp-282	36	53	competence	competence	NOUN
gp-282	36	54	and	and	CCONJ
gp-282	36	55	work	work	NOUN
gp-282	36	56	motivation	motivation	NOUN
gp-282	36	57	together	together	ADV
gp-282	36	58	affect	affect	VERB
gp-282	36	59	ao	ao	PROPN
gp-282	36	60	performance	performance	NOUN
gp-282	36	61	,	,	PUNCT
gp-282	36	62	providing	provide	VERB
gp-282	36	63	insight	insight	NOUN
gp-282	36	64	into	into	ADP
gp-282	36	65	the	the	DET
gp-282	36	66	interaction	interaction	NOUN
gp-282	36	67	between	between	ADP
gp-282	36	68	the	the	DET
gp-282	36	69	two	two	NUM
gp-282	36	70	factors	factor	NOUN
gp-282	36	71	in	in	ADP
gp-282	36	72	the	the	DET
gp-282	36	73	context	context	NOUN
gp-282	36	74	of	of	ADP
gp-282	36	75	target	target	NOUN
gp-282	36	76	achievement	achievement	NOUN
gp-282	36	77	;	;	PUNCT
gp-282	36	78	and	and	CCONJ
gp-282	36	79	to	to	PART
gp-282	36	80	identify	identify	VERB
gp-282	36	81	and	and	CCONJ
gp-282	36	82	propose	propose	VERB
gp-282	36	83	strategies	strategy	NOUN
gp-282	36	84	that	that	PRON
gp-282	36	85	can	can	AUX
gp-282	36	86	be	be	AUX
gp-282	36	87	implemented	implement	VERB
gp-282	36	88	by	by	ADP
gp-282	36	89	bank	bank	PROPN
gp-282	36	90	galuh	galuh	NOUN
gp-282	36	91	to	to	PART
gp-282	36	92	improve	improve	VERB
gp-282	36	93	the	the	DET
gp-282	36	94	competence	competence	NOUN
gp-282	36	95	and	and	CCONJ
gp-282	36	96	motivation	motivation	NOUN
gp-282	36	97	of	of	ADP
gp-282	36	98	consumer	consumer	NOUN
gp-282	36	99	loan	loan	NOUN
gp-282	36	100	aos	aos	PROPN
gp-282	36	101	,	,	PUNCT
gp-282	36	102	so	so	SCONJ
gp-282	36	103	that	that	SCONJ
gp-282	36	104	they	they	PRON
gp-282	36	105	can	can	AUX
gp-282	36	106	achieve	achieve	VERB
gp-282	36	107	better	well	ADJ
gp-282	36	108	and	and	CCONJ
gp-282	36	109	more	more	ADV
gp-282	36	110	consistent	consistent	ADJ
gp-282	36	111	performance	performance	NOUN
gp-282	36	112	.	.	PUNCT
gp-282	37	1	this	this	DET
gp-282	37	2	research	research	NOUN
gp-282	37	3	will	will	AUX
gp-282	37	4	be	be	AUX
gp-282	37	5	limited	limit	VERB
gp-282	37	6	to	to	ADP
gp-282	37	7	the	the	DET
gp-282	37	8	following	follow	VERB
gp-282	37	9	scope	scope	NOUN
gp-282	37	10	:	:	PUNCT
gp-282	37	11	the	the	DET
gp-282	37	12	study	study	NOUN
gp-282	37	13	will	will	AUX
gp-282	37	14	focus	focus	VERB
gp-282	37	15	on	on	ADP
gp-282	37	16	87	87	NUM
gp-282	37	17	consumer	consumer	NOUN
gp-282	37	18	loan	loan	NOUN
gp-282	37	19	aos	aos	NOUN
gp-282	37	20	in	in	ADP
gp-282	37	21	11	11	NUM
gp-282	37	22	(	(	PUNCT
gp-282	37	23	eleven	eleven	NUM
gp-282	37	24	)	)	PUNCT
gp-282	37	25	bank	bank	NOUN
gp-282	37	26	galuh	galuh	NOUN
gp-282	37	27	branch	branch	NOUN
gp-282	37	28	offices	office	NOUN
gp-282	37	29	in	in	ADP
gp-282	37	30	the	the	DET
gp-282	37	31	bandung	bandung	PROPN
gp-282	37	32	area	area	NOUN
gp-282	37	33	.	.	PUNCT
gp-282	38	1	the	the	DET
gp-282	38	2	data	datum	NOUN
gp-282	38	3	used	use	VERB
gp-282	38	4	will	will	AUX
gp-282	38	5	be	be	AUX
gp-282	38	6	mainly	mainly	ADV
gp-282	38	7	sourced	source	VERB
gp-282	38	8	from	from	ADP
gp-282	38	9	within	within	ADP
gp-282	38	10	the	the	DET
gp-282	38	11	company	company	NOUN
gp-282	38	12	.	.	PUNCT
gp-282	39	1	research	research	NOUN
gp-282	39	2	methods	method	NOUN
gp-282	39	3	this	this	DET
gp-282	39	4	research	research	NOUN
gp-282	39	5	design	design	NOUN
gp-282	39	6	is	be	AUX
gp-282	39	7	structured	structure	VERB
gp-282	39	8	to	to	PART
gp-282	39	9	examine	examine	VERB
gp-282	39	10	how	how	SCONJ
gp-282	39	11	competency	competency	NOUN
gp-282	39	12	and	and	CCONJ
gp-282	39	13	work	work	NOUN
gp-282	39	14	motivation	motivation	NOUN
gp-282	39	15	affect	affect	VERB
gp-282	39	16	the	the	DET
gp-282	39	17	performance	performance	NOUN
gp-282	39	18	of	of	ADP
gp-282	39	19	consumer	consumer	NOUN
gp-282	39	20	loan	loan	NOUN
gp-282	39	21	aos	aos	PROPN
gp-282	39	22	.	.	PUNCT
gp-282	40	1	the	the	DET
gp-282	40	2	design	design	NOUN
gp-282	40	3	follows	follow	VERB
gp-282	40	4	a	a	DET
gp-282	40	5	systematic	systematic	ADJ
gp-282	40	6	methodological	methodological	ADJ
gp-282	40	7	flow	flow	NOUN
gp-282	40	8	,	,	PUNCT
gp-282	40	9	american	american	ADJ
gp-282	40	10	journal	journal	PROPN
gp-282	40	11	of	of	ADP
gp-282	40	12	economic	economic	ADJ
gp-282	40	13	and	and	CCONJ
gp-282	40	14	management	management	NOUN
gp-282	40	15	business	business	NOUN
gp-282	40	16	vol	vol	NOUN
gp-282	40	17	.	.	PROPN
gp-282	41	1	4	4	NUM
gp-282	42	1	no	no	NOUN
gp-282	42	2	.	.	NOUN
gp-282	43	1	7	7	NUM
gp-282	43	2	july	july	PROPN
gp-282	43	3	2025	2025	NUM
gp-282	43	4	1024	1024	NUM
gp-282	43	5	which	which	PRON
gp-282	43	6	includes	include	VERB
gp-282	43	7	problem	problem	NOUN
gp-282	43	8	identification	identification	NOUN
gp-282	43	9	,	,	PUNCT
gp-282	43	10	data	data	NOUN
gp-282	43	11	collection	collection	NOUN
gp-282	43	12	,	,	PUNCT
gp-282	43	13	data	datum	NOUN
gp-282	43	14	analysis	analysis	NOUN
gp-282	43	15	,	,	PUNCT
gp-282	43	16	and	and	CCONJ
gp-282	43	17	conclusion	conclusion	NOUN
gp-282	43	18	drawing	drawing	NOUN
gp-282	43	19	,	,	PUNCT
gp-282	43	20	followed	follow	VERB
gp-282	43	21	by	by	ADP
gp-282	43	22	recommendations	recommendation	NOUN
gp-282	43	23	for	for	ADP
gp-282	43	24	business	business	NOUN
gp-282	43	25	solutions	solution	NOUN
gp-282	43	26	.	.	PUNCT
gp-282	44	1	the	the	DET
gp-282	44	2	initial	initial	ADJ
gp-282	44	3	stage	stage	NOUN
gp-282	44	4	of	of	ADP
gp-282	44	5	this	this	DET
gp-282	44	6	research	research	NOUN
gp-282	44	7	involved	involve	VERB
gp-282	44	8	identifying	identify	VERB
gp-282	44	9	a	a	DET
gp-282	44	10	clear	clear	ADJ
gp-282	44	11	and	and	CCONJ
gp-282	44	12	defined	define	VERB
gp-282	44	13	problem	problem	NOUN
gp-282	44	14	regarding	regard	VERB
gp-282	44	15	the	the	DET
gp-282	44	16	effect	effect	NOUN
gp-282	44	17	of	of	ADP
gp-282	44	18	competence	competence	NOUN
gp-282	44	19	and	and	CCONJ
gp-282	44	20	work	work	NOUN
gp-282	44	21	motivation	motivation	NOUN
gp-282	44	22	on	on	ADP
gp-282	44	23	performance	performance	NOUN
gp-282	44	24	.	.	PUNCT
gp-282	45	1	this	this	DET
gp-282	45	2	problem	problem	NOUN
gp-282	45	3	was	be	AUX
gp-282	45	4	identified	identify	VERB
gp-282	45	5	based	base	VERB
gp-282	45	6	on	on	ADP
gp-282	45	7	initial	initial	ADJ
gp-282	45	8	observations	observation	NOUN
gp-282	45	9	and	and	CCONJ
gp-282	45	10	a	a	DET
gp-282	45	11	literature	literature	NOUN
gp-282	45	12	review	review	NOUN
gp-282	45	13	,	,	PUNCT
gp-282	45	14	which	which	PRON
gp-282	45	15	indicated	indicate	VERB
gp-282	45	16	that	that	SCONJ
gp-282	45	17	there	there	PRON
gp-282	45	18	was	be	VERB
gp-282	45	19	variability	variability	NOUN
gp-282	45	20	in	in	ADP
gp-282	45	21	ao	ao	PROPN
gp-282	45	22	performance	performance	NOUN
gp-282	45	23	that	that	PRON
gp-282	45	24	could	could	AUX
gp-282	45	25	be	be	AUX
gp-282	45	26	attributed	attribute	VERB
gp-282	45	27	to	to	ADP
gp-282	45	28	competency	competency	NOUN
gp-282	45	29	and	and	CCONJ
gp-282	45	30	motivation	motivation	NOUN
gp-282	45	31	variables	variable	NOUN
gp-282	45	32	.	.	PUNCT
gp-282	46	1	data	datum	NOUN
gp-282	46	2	will	will	AUX
gp-282	46	3	be	be	AUX
gp-282	46	4	collected	collect	VERB
gp-282	46	5	to	to	PART
gp-282	46	6	measure	measure	VERB
gp-282	46	7	the	the	DET
gp-282	46	8	variables	variable	NOUN
gp-282	46	9	of	of	ADP
gp-282	46	10	competency	competency	NOUN
gp-282	46	11	,	,	PUNCT
gp-282	46	12	work	work	NOUN
gp-282	46	13	motivation	motivation	NOUN
gp-282	46	14	,	,	PUNCT
gp-282	46	15	and	and	CCONJ
gp-282	46	16	performance	performance	NOUN
gp-282	46	17	.	.	PUNCT
gp-282	47	1	this	this	DET
gp-282	47	2	data	data	NOUN
gp-282	47	3	collection	collection	NOUN
gp-282	47	4	method	method	NOUN
gp-282	47	5	will	will	AUX
gp-282	47	6	use	use	VERB
gp-282	47	7	a	a	DET
gp-282	47	8	survey	survey	NOUN
gp-282	47	9	designed	design	VERB
gp-282	47	10	to	to	PART
gp-282	47	11	assess	assess	VERB
gp-282	47	12	the	the	DET
gp-282	47	13	level	level	NOUN
gp-282	47	14	of	of	ADP
gp-282	47	15	competence	competence	NOUN
gp-282	47	16	and	and	CCONJ
gp-282	47	17	work	work	NOUN
gp-282	47	18	motivation	motivation	NOUN
gp-282	47	19	,	,	PUNCT
gp-282	47	20	and	and	CCONJ
gp-282	47	21	to	to	PART
gp-282	47	22	measure	measure	VERB
gp-282	47	23	performance	performance	NOUN
gp-282	47	24	based	base	VERB
gp-282	47	25	on	on	ADP
gp-282	47	26	achievement	achievement	NOUN
gp-282	47	27	of	of	ADP
gp-282	47	28	credit	credit	NOUN
gp-282	47	29	targets	target	NOUN
gp-282	47	30	.	.	PUNCT
gp-282	48	1	the	the	DET
gp-282	48	2	survey	survey	NOUN
gp-282	48	3	will	will	AUX
gp-282	48	4	be	be	AUX
gp-282	48	5	distributed	distribute	VERB
gp-282	48	6	to	to	ADP
gp-282	48	7	consumer	consumer	NOUN
gp-282	48	8	credit	credit	NOUN
gp-282	48	9	aos	aos	NOUN
gp-282	48	10	at	at	ADP
gp-282	48	11	the	the	DET
gp-282	48	12	bank	bank	PROPN
gp-282	48	13	galuh	galuh	PROPN
gp-282	48	14	bandung	bandung	PROPN
gp-282	48	15	office	office	PROPN
gp-282	48	16	.	.	PUNCT
gp-282	49	1	the	the	DET
gp-282	49	2	data	datum	NOUN
gp-282	49	3	collected	collect	VERB
gp-282	49	4	will	will	AUX
gp-282	49	5	be	be	AUX
gp-282	49	6	analyzed	analyze	VERB
gp-282	49	7	using	use	VERB
gp-282	49	8	descriptive	descriptive	ADJ
gp-282	49	9	methods	method	NOUN
gp-282	49	10	to	to	PART
gp-282	49	11	outline	outline	VERB
gp-282	49	12	the	the	DET
gp-282	49	13	general	general	ADJ
gp-282	49	14	characteristics	characteristic	NOUN
gp-282	49	15	of	of	ADP
gp-282	49	16	the	the	DET
gp-282	49	17	data	datum	NOUN
gp-282	49	18	.	.	PUNCT
gp-282	50	1	further	further	ADJ
gp-282	50	2	analysis	analysis	NOUN
gp-282	50	3	will	will	AUX
gp-282	50	4	involve	involve	VERB
gp-282	50	5	linear	linear	PROPN
gp-282	50	6	regression	regression	NOUN
gp-282	50	7	and	and	CCONJ
gp-282	50	8	hypothesis	hypothesis	NOUN
gp-282	50	9	testing	testing	NOUN
gp-282	50	10	to	to	PART
gp-282	50	11	determine	determine	VERB
gp-282	50	12	the	the	DET
gp-282	50	13	statistical	statistical	ADJ
gp-282	50	14	influence	influence	NOUN
gp-282	50	15	of	of	ADP
gp-282	50	16	competence	competence	NOUN
gp-282	50	17	and	and	CCONJ
gp-282	50	18	work	work	NOUN
gp-282	50	19	motivation	motivation	NOUN
gp-282	50	20	on	on	ADP
gp-282	50	21	performance	performance	NOUN
gp-282	50	22	.	.	PUNCT
gp-282	51	1	this	this	DET
gp-282	51	2	analysis	analysis	NOUN
gp-282	51	3	aims	aim	VERB
gp-282	51	4	to	to	PART
gp-282	51	5	verify	verify	VERB
gp-282	51	6	the	the	DET
gp-282	51	7	relationship	relationship	NOUN
gp-282	51	8	between	between	ADP
gp-282	51	9	variables	variable	NOUN
gp-282	51	10	and	and	CCONJ
gp-282	51	11	identify	identify	VERB
gp-282	51	12	the	the	DET
gp-282	51	13	most	most	ADV
gp-282	51	14	significant	significant	ADJ
gp-282	51	15	factors	factor	NOUN
gp-282	51	16	contributing	contribute	VERB
gp-282	51	17	to	to	ADP
gp-282	51	18	performance	performance	NOUN
gp-282	51	19	.	.	PUNCT
gp-282	52	1	from	from	ADP
gp-282	52	2	the	the	DET
gp-282	52	3	results	result	NOUN
gp-282	52	4	of	of	ADP
gp-282	52	5	data	datum	NOUN
gp-282	52	6	analysis	analysis	NOUN
gp-282	52	7	,	,	PUNCT
gp-282	52	8	this	this	DET
gp-282	52	9	study	study	NOUN
gp-282	52	10	will	will	AUX
gp-282	52	11	draw	draw	VERB
gp-282	52	12	conclusions	conclusion	NOUN
gp-282	52	13	about	about	ADP
gp-282	52	14	the	the	DET
gp-282	52	15	extent	extent	NOUN
gp-282	52	16	to	to	PART
gp-282	52	17	which	which	PRON
gp-282	52	18	competence	competence	NOUN
gp-282	52	19	and	and	CCONJ
gp-282	52	20	work	work	NOUN
gp-282	52	21	motivation	motivation	NOUN
gp-282	52	22	affect	affect	VERB
gp-282	52	23	ao	ao	PROPN
gp-282	52	24	performance	performance	NOUN
gp-282	52	25	.	.	PUNCT
gp-282	53	1	based	base	VERB
gp-282	53	2	on	on	ADP
gp-282	53	3	these	these	DET
gp-282	53	4	conclusions	conclusion	NOUN
gp-282	53	5	,	,	PUNCT
gp-282	53	6	strategic	strategic	ADJ
gp-282	53	7	recommendations	recommendation	NOUN
gp-282	53	8	for	for	ADP
gp-282	53	9	business	business	NOUN
gp-282	53	10	solutions	solution	NOUN
gp-282	53	11	will	will	AUX
gp-282	53	12	be	be	AUX
gp-282	53	13	developed	develop	VERB
gp-282	53	14	that	that	PRON
gp-282	53	15	aim	aim	VERB
gp-282	53	16	to	to	PART
gp-282	53	17	improve	improve	VERB
gp-282	53	18	performance	performance	NOUN
gp-282	53	19	at	at	ADP
gp-282	53	20	bank	bank	PROPN
gp-282	53	21	galuh	galuh	NOUN
gp-282	53	22	.	.	PUNCT
gp-282	54	1	these	these	DET
gp-282	54	2	recommendations	recommendation	NOUN
gp-282	54	3	will	will	AUX
gp-282	54	4	focus	focus	VERB
gp-282	54	5	on	on	ADP
gp-282	54	6	developing	develop	VERB
gp-282	54	7	and	and	CCONJ
gp-282	54	8	implementing	implement	VERB
gp-282	54	9	better	well	ADJ
gp-282	54	10	training	training	NOUN
gp-282	54	11	programs	program	NOUN
gp-282	54	12	,	,	PUNCT
gp-282	54	13	incentive	incentive	NOUN
gp-282	54	14	policies	policy	NOUN
gp-282	54	15	,	,	PUNCT
gp-282	54	16	and	and	CCONJ
gp-282	54	17	human	human	ADJ
gp-282	54	18	resource	resource	NOUN
gp-282	54	19	management	management	NOUN
gp-282	54	20	strategies	strategy	NOUN
gp-282	54	21	.	.	PUNCT
gp-282	55	1	the	the	DET
gp-282	55	2	final	final	ADJ
gp-282	55	3	step	step	NOUN
gp-282	55	4	is	be	AUX
gp-282	55	5	to	to	PART
gp-282	55	6	design	design	VERB
gp-282	55	7	and	and	CCONJ
gp-282	55	8	propose	propose	VERB
gp-282	55	9	the	the	DET
gp-282	55	10	implementation	implementation	NOUN
gp-282	55	11	of	of	ADP
gp-282	55	12	solutions	solution	NOUN
gp-282	55	13	based	base	VERB
gp-282	55	14	on	on	ADP
gp-282	55	15	the	the	DET
gp-282	55	16	recommendations	recommendation	NOUN
gp-282	55	17	that	that	PRON
gp-282	55	18	have	have	AUX
gp-282	55	19	been	be	AUX
gp-282	55	20	developed	develop	VERB
gp-282	55	21	.	.	PUNCT
gp-282	56	1	this	this	PRON
gp-282	56	2	involves	involve	VERB
gp-282	56	3	working	work	VERB
gp-282	56	4	with	with	ADP
gp-282	56	5	bank	bank	PROPN
gp-282	56	6	galuh	galuh	PROPN
gp-282	56	7	’s	’s	PART
gp-282	56	8	management	management	NOUN
gp-282	56	9	to	to	PART
gp-282	56	10	adopt	adopt	VERB
gp-282	56	11	and	and	CCONJ
gp-282	56	12	integrate	integrate	VERB
gp-282	56	13	the	the	DET
gp-282	56	14	suggested	suggest	VERB
gp-282	56	15	strategies	strategy	NOUN
gp-282	56	16	into	into	ADP
gp-282	56	17	their	their	PRON
gp-282	56	18	operational	operational	ADJ
gp-282	56	19	practices	practice	NOUN
gp-282	56	20	to	to	PART
gp-282	56	21	improve	improve	VERB
gp-282	56	22	work	work	NOUN
gp-282	56	23	competencies	competency	NOUN
gp-282	56	24	and	and	CCONJ
gp-282	56	25	motivation	motivation	NOUN
gp-282	56	26	,	,	PUNCT
gp-282	56	27	which	which	PRON
gp-282	56	28	will	will	AUX
gp-282	56	29	ultimately	ultimately	ADV
gp-282	56	30	improve	improve	VERB
gp-282	56	31	overall	overall	ADJ
gp-282	56	32	performance	performance	NOUN
gp-282	56	33	.	.	PUNCT
gp-282	57	1	figure	figure	NOUN
gp-282	57	2	3	3	NUM
gp-282	57	3	.	.	PUNCT
gp-282	57	4	research	research	NOUN
gp-282	57	5	design	design	NOUN
gp-282	57	6	flow	flow	NOUN
gp-282	57	7	tiara	tiara	PROPN
gp-282	57	8	agustina	agustina	PROPN
gp-282	57	9	,	,	PUNCT
gp-282	57	10	achmad	achmad	PROPN
gp-282	57	11	ghazali	ghazali	PROPN
gp-282	57	12	1025	1025	NUM
gp-282	57	13	result	result	NOUN
gp-282	57	14	and	and	CCONJ
gp-282	57	15	discussion	discussion	NOUN
gp-282	57	16	descriptive	descriptive	ADJ
gp-282	57	17	analysis	analysis	NOUN
gp-282	57	18	competency	competency	NOUN
gp-282	57	19	overview	overview	NOUN
gp-282	57	20	based	base	VERB
gp-282	57	21	on	on	ADP
gp-282	57	22	the	the	DET
gp-282	57	23	results	result	NOUN
gp-282	57	24	of	of	ADP
gp-282	57	25	data	datum	NOUN
gp-282	57	26	processing	processing	NOUN
gp-282	57	27	from	from	ADP
gp-282	57	28	87	87	NUM
gp-282	57	29	respondents	respondent	NOUN
gp-282	57	30	who	who	PRON
gp-282	57	31	filled	fill	VERB
gp-282	57	32	out	out	ADP
gp-282	57	33	the	the	DET
gp-282	57	34	questionnaire	questionnaire	NOUN
gp-282	57	35	,	,	PUNCT
gp-282	57	36	responses	response	NOUN
gp-282	57	37	were	be	AUX
gp-282	57	38	obtained	obtain	VERB
gp-282	57	39	regarding	regard	VERB
gp-282	57	40	competency	competency	NOUN
gp-282	57	41	variables	variable	NOUN
gp-282	57	42	as	as	SCONJ
gp-282	57	43	measured	measure	VERB
gp-282	57	44	by	by	ADP
gp-282	57	45	five	five	NUM
gp-282	57	46	indicators	indicator	NOUN
gp-282	57	47	.	.	PUNCT
gp-282	58	1	details	detail	NOUN
gp-282	58	2	of	of	ADP
gp-282	58	3	respondents	respondent	NOUN
gp-282	58	4	'	'	PART
gp-282	58	5	responses	response	NOUN
gp-282	58	6	are	be	AUX
gp-282	58	7	presented	present	VERB
gp-282	58	8	in	in	ADP
gp-282	58	9	table	table	NOUN
gp-282	58	10	iv.6	iv.6	NOUN
gp-282	58	11	:	:	PUNCT
gp-282	58	12	table	table	NOUN
gp-282	58	13	1	1	NUM
gp-282	58	14	.	.	PUNCT
gp-282	58	15	respondents	respondent	NOUN
gp-282	58	16	'	'	PART
gp-282	58	17	responses	response	NOUN
gp-282	58	18	on	on	ADP
gp-282	58	19	competence	competence	NOUN
gp-282	58	20	no	no	NOUN
gp-282	58	21	.	.	NOUN
gp-282	58	22	size	size	NOUN
gp-282	59	1	ss	ss	PROPN
gp-282	59	2	s	s	VERB
gp-282	59	3	n	n	PRON
gp-282	59	4	ts	ts	ADP
gp-282	59	5	sts	st	VERB
gp-282	59	6	actual	actual	ADJ
gp-282	59	7	score	score	NOUN
gp-282	59	8	average	average	ADJ
gp-282	59	9	ket	ket	NOUN
gp-282	59	10	.	.	PUNCT
gp-282	60	1	1	1	NUM
gp-282	60	2	i	i	PRON
gp-282	60	3	strive	strive	VERB
gp-282	60	4	to	to	PART
gp-282	60	5	exceed	exceed	VERB
gp-282	60	6	the	the	DET
gp-282	60	7	target	target	NOUN
gp-282	60	8	number	number	NOUN
gp-282	60	9	of	of	ADP
gp-282	60	10	loan	loan	NOUN
gp-282	60	11	disbursements	disbursement	NOUN
gp-282	60	12	for	for	ADP
gp-282	60	13	debtors	debtor	NOUN
gp-282	60	14	that	that	PRON
gp-282	60	15	has	have	AUX
gp-282	60	16	been	be	AUX
gp-282	60	17	set	set	VERB
gp-282	60	18	each	each	DET
gp-282	60	19	month	month	NOUN
gp-282	60	20	.	.	PUNCT
gp-282	61	1	50	50	NUM
gp-282	61	2	34	34	NUM
gp-282	61	3	3	3	NUM
gp-282	61	4	0	0	NUM
gp-282	61	5	0	0	NUM
gp-282	61	6	395	395	NUM
gp-282	61	7	4.54	4.54	NUM
gp-282	61	8	very	very	ADV
gp-282	61	9	good	good	ADJ
gp-282	61	10	2	2	NUM
gp-282	61	11	i	i	PRON
gp-282	61	12	was	be	AUX
gp-282	61	13	able	able	ADJ
gp-282	61	14	to	to	PART
gp-282	61	15	analyze	analyze	VERB
gp-282	61	16	customer	customer	NOUN
gp-282	61	17	eligibility	eligibility	NOUN
gp-282	61	18	through	through	ADP
gp-282	61	19	data	datum	NOUN
gp-282	61	20	and	and	CCONJ
gp-282	61	21	documents	document	NOUN
gp-282	61	22	to	to	PART
gp-282	61	23	support	support	VERB
gp-282	61	24	proper	proper	ADJ
gp-282	61	25	credit	credit	NOUN
gp-282	61	26	disbursement	disbursement	NOUN
gp-282	61	27	and	and	CCONJ
gp-282	61	28	minimal	minimal	ADJ
gp-282	61	29	risk	risk	NOUN
gp-282	61	30	.	.	PUNCT
gp-282	62	1	43	43	NUM
gp-282	62	2	42	42	NUM
gp-282	62	3	1	1	NUM
gp-282	62	4	0	0	NUM
gp-282	62	5	1	1	NUM
gp-282	62	6	387	387	NUM
gp-282	62	7	4.45	4.45	NUM
gp-282	62	8	very	very	ADV
gp-282	62	9	good	good	ADJ
gp-282	62	10	3	3	NUM
gp-282	62	11	i	i	PRON
gp-282	62	12	actively	actively	ADV
gp-282	62	13	explore	explore	VERB
gp-282	62	14	customers	customer	NOUN
gp-282	62	15	'	'	PART
gp-282	62	16	financing	financing	NOUN
gp-282	62	17	needs	need	NOUN
gp-282	62	18	to	to	PART
gp-282	62	19	speed	speed	VERB
gp-282	62	20	up	up	ADP
gp-282	62	21	the	the	DET
gp-282	62	22	process	process	NOUN
gp-282	62	23	from	from	ADP
gp-282	62	24	application	application	NOUN
gp-282	62	25	to	to	ADP
gp-282	62	26	loan	loan	NOUN
gp-282	62	27	disbursement	disbursement	NOUN
gp-282	62	28	.	.	PUNCT
gp-282	63	1	49	49	NUM
gp-282	63	2	37	37	NUM
gp-282	63	3	1	1	NUM
gp-282	63	4	0	0	NUM
gp-282	63	5	0	0	NUM
gp-282	63	6	396	396	NUM
gp-282	63	7	4.55	4.55	NUM
gp-282	63	8	very	very	ADV
gp-282	63	9	good	good	ADJ
gp-282	63	10	4	4	NUM
gp-282	63	11	i	i	PRON
gp-282	63	12	am	be	AUX
gp-282	63	13	able	able	ADJ
gp-282	63	14	to	to	PART
gp-282	63	15	respond	respond	VERB
gp-282	63	16	empathetically	empathetically	ADV
gp-282	63	17	to	to	ADP
gp-282	63	18	customers	customer	NOUN
gp-282	63	19	'	'	PART
gp-282	63	20	concerns	concern	NOUN
gp-282	63	21	or	or	CCONJ
gp-282	63	22	obstacles	obstacle	NOUN
gp-282	63	23	so	so	SCONJ
gp-282	63	24	that	that	SCONJ
gp-282	63	25	the	the	DET
gp-282	63	26	loan	loan	NOUN
gp-282	63	27	application	application	NOUN
gp-282	63	28	and	and	CCONJ
gp-282	63	29	disbursement	disbursement	NOUN
gp-282	63	30	process	process	NOUN
gp-282	63	31	runs	run	VERB
gp-282	63	32	smoothly	smoothly	ADV
gp-282	63	33	.	.	PUNCT
gp-282	64	1	47	47	NUM
gp-282	64	2	37	37	NUM
gp-282	64	3	3	3	NUM
gp-282	64	4	0	0	NUM
gp-282	64	5	0	0	NUM
gp-282	64	6	392	392	NUM
gp-282	64	7	4.51	4.51	NUM
gp-282	64	8	very	very	ADV
gp-282	64	9	good	good	ADJ
gp-282	64	10	5	5	NUM
gp-282	64	11	i	i	PRON
gp-282	64	12	proactively	proactively	ADV
gp-282	64	13	contacted	contact	VERB
gp-282	64	14	prospective	prospective	ADJ
gp-282	64	15	customers	customer	NOUN
gp-282	64	16	and	and	CCONJ
gp-282	64	17	initiated	initiate	VERB
gp-282	64	18	obstacle	obstacle	NOUN
gp-282	64	19	resolution	resolution	NOUN
gp-282	64	20	so	so	SCONJ
gp-282	64	21	that	that	SCONJ
gp-282	64	22	the	the	DET
gp-282	64	23	loan	loan	NOUN
gp-282	64	24	disbursement	disbursement	NOUN
gp-282	64	25	process	process	NOUN
gp-282	64	26	would	would	AUX
gp-282	64	27	not	not	PART
gp-282	64	28	be	be	AUX
gp-282	64	29	delayed	delay	VERB
gp-282	64	30	.	.	PUNCT
gp-282	65	1	50	50	NUM
gp-282	65	2	35	35	NUM
gp-282	65	3	2	2	NUM
gp-282	65	4	0	0	NUM
gp-282	65	5	0	0	NUM
gp-282	65	6	396	396	NUM
gp-282	65	7	4.55	4.55	NUM
gp-282	65	8	very	very	ADV
gp-282	65	9	good	good	ADJ
gp-282	65	10	total	total	NOUN
gp-282	65	11	1966	1966	NUM
gp-282	65	12	4.52	4.52	NUM
gp-282	65	13	very	very	ADV
gp-282	65	14	good	good	ADJ
gp-282	65	15	source	source	NOUN
gp-282	65	16	:	:	PUNCT
gp-282	65	17	results	result	NOUN
gp-282	65	18	of	of	ADP
gp-282	65	19	questionnaire	questionnaire	NOUN
gp-282	65	20	,	,	PUNCT
gp-282	65	21	data	datum	NOUN
gp-282	65	22	processed	process	VERB
gp-282	65	23	(	(	PUNCT
gp-282	65	24	2025	2025	NUM
gp-282	65	25	)	)	PUNCT
gp-282	65	26	based	base	VERB
gp-282	65	27	on	on	ADP
gp-282	65	28	table	table	NOUN
gp-282	65	29	1	1	NUM
gp-282	65	30	,	,	PUNCT
gp-282	65	31	it	it	PRON
gp-282	65	32	is	be	AUX
gp-282	65	33	known	know	VERB
gp-282	65	34	that	that	SCONJ
gp-282	65	35	the	the	DET
gp-282	65	36	actual	actual	ADJ
gp-282	65	37	total	total	ADJ
gp-282	65	38	score	score	NOUN
gp-282	65	39	of	of	ADP
gp-282	65	40	all	all	DET
gp-282	65	41	competency	competency	NOUN
gp-282	65	42	indicators	indicator	NOUN
gp-282	65	43	is	be	AUX
gp-282	65	44	1,966	1,966	NUM
gp-282	65	45	with	with	ADP
gp-282	65	46	an	an	DET
gp-282	65	47	average	average	ADJ
gp-282	65	48	value	value	NOUN
gp-282	65	49	of	of	ADP
gp-282	65	50	4.52	4.52	NUM
gp-282	65	51	.	.	PUNCT
gp-282	66	1	this	this	DET
gp-282	66	2	value	value	NOUN
gp-282	66	3	is	be	AUX
gp-282	66	4	included	include	VERB
gp-282	66	5	in	in	ADP
gp-282	66	6	the	the	DET
gp-282	66	7	"	"	PUNCT
gp-282	66	8	very	very	ADV
gp-282	66	9	good	good	ADJ
gp-282	66	10	"	"	PUNCT
gp-282	66	11	category	category	NOUN
gp-282	66	12	,	,	PUNCT
gp-282	66	13	which	which	PRON
gp-282	66	14	indicates	indicate	VERB
gp-282	66	15	that	that	SCONJ
gp-282	66	16	in	in	ADP
gp-282	66	17	general	general	ADJ
gp-282	66	18	the	the	DET
gp-282	66	19	competence	competence	NOUN
gp-282	66	20	of	of	ADP
gp-282	66	21	consumer	consumer	NOUN
gp-282	66	22	loan	loan	NOUN
gp-282	66	23	aos	aos	NOUN
gp-282	66	24	at	at	ADP
gp-282	66	25	the	the	DET
gp-282	66	26	bandung	bandung	PROPN
gp-282	66	27	region	region	PROPN
gp-282	66	28	galuh	galuh	PROPN
gp-282	66	29	bank	bank	PROPN
gp-282	66	30	office	office	NOUN
gp-282	66	31	is	be	AUX
gp-282	66	32	rated	rate	VERB
gp-282	66	33	very	very	ADV
gp-282	66	34	well	well	ADV
gp-282	66	35	by	by	ADP
gp-282	66	36	respondents	respondent	NOUN
gp-282	66	37	and	and	CCONJ
gp-282	66	38	therefore	therefore	ADV
gp-282	66	39	needs	need	VERB
gp-282	66	40	to	to	PART
gp-282	66	41	be	be	AUX
gp-282	66	42	maintained	maintain	VERB
gp-282	66	43	.	.	PUNCT
gp-282	67	1	the	the	DET
gp-282	67	2	indicator	indicator	NOUN
gp-282	67	3	with	with	ADP
gp-282	67	4	the	the	DET
gp-282	67	5	highest	high	ADJ
gp-282	67	6	average	average	ADJ
gp-282	67	7	score	score	NOUN
gp-282	67	8	is	be	AUX
gp-282	67	9	found	find	VERB
gp-282	67	10	in	in	ADP
gp-282	67	11	the	the	DET
gp-282	67	12	statements	statement	NOUN
gp-282	67	13	"	"	PUNCT
gp-282	67	14	i	i	PRON
gp-282	67	15	actively	actively	ADV
gp-282	67	16	explore	explore	VERB
gp-282	67	17	customer	customer	NOUN
gp-282	67	18	financing	financing	NOUN
gp-282	67	19	needs	need	NOUN
gp-282	67	20	to	to	PART
gp-282	67	21	speed	speed	VERB
gp-282	67	22	up	up	ADP
gp-282	67	23	the	the	DET
gp-282	67	24	process	process	NOUN
gp-282	67	25	of	of	ADP
gp-282	67	26	applying	apply	VERB
gp-282	67	27	for	for	ADP
gp-282	67	28	and	and	CCONJ
gp-282	67	29	disbursing	disburse	VERB
gp-282	67	30	credit	credit	NOUN
gp-282	67	31	.	.	PUNCT
gp-282	67	32	"	"	PUNCT
gp-282	68	1	and	and	CCONJ
gp-282	68	2	"	"	PUNCT
gp-282	68	3	i	i	PRON
gp-282	68	4	proactively	proactively	ADV
gp-282	68	5	contact	contact	VERB
gp-282	68	6	prospective	prospective	ADJ
gp-282	68	7	customers	customer	NOUN
gp-282	68	8	and	and	CCONJ
gp-282	68	9	initiate	initiate	VERB
gp-282	68	10	the	the	DET
gp-282	68	11	resolution	resolution	NOUN
gp-282	68	12	of	of	ADP
gp-282	68	13	obstacles	obstacle	NOUN
gp-282	68	14	so	so	SCONJ
gp-282	68	15	that	that	SCONJ
gp-282	68	16	the	the	DET
gp-282	68	17	credit	credit	NOUN
gp-282	68	18	disbursement	disbursement	NOUN
gp-282	68	19	process	process	NOUN
gp-282	68	20	is	be	AUX
gp-282	68	21	not	not	PART
gp-282	68	22	delayed	delay	VERB
gp-282	68	23	.	.	PUNCT
gp-282	68	24	"	"	PUNCT
gp-282	69	1	each	each	PRON
gp-282	69	2	with	with	ADP
gp-282	69	3	an	an	DET
gp-282	69	4	average	average	ADJ
gp-282	69	5	score	score	NOUN
gp-282	69	6	of	of	ADP
gp-282	69	7	4.55	4.55	NUM
gp-282	69	8	.	.	PUNCT
gp-282	70	1	this	this	PRON
gp-282	70	2	shows	show	VERB
gp-282	70	3	that	that	SCONJ
gp-282	70	4	consumer	consumer	NOUN
gp-282	70	5	loan	loan	NOUN
gp-282	70	6	aos	aos	PROPN
gp-282	70	7	have	have	VERB
gp-282	70	8	excellent	excellent	ADJ
gp-282	70	9	initiative	initiative	NOUN
gp-282	70	10	and	and	CCONJ
gp-282	70	11	proactive	proactive	ADJ
gp-282	70	12	skills	skill	NOUN
gp-282	70	13	in	in	ADP
gp-282	70	14	establishing	establish	VERB
gp-282	70	15	communication	communication	NOUN
gp-282	70	16	with	with	ADP
gp-282	70	17	customers	customer	NOUN
gp-282	70	18	,	,	PUNCT
gp-282	70	19	which	which	PRON
gp-282	70	20	contributes	contribute	VERB
gp-282	70	21	positively	positively	ADV
gp-282	70	22	to	to	ADP
gp-282	70	23	the	the	DET
gp-282	70	24	effectiveness	effectiveness	NOUN
gp-282	70	25	of	of	ADP
gp-282	70	26	the	the	DET
gp-282	70	27	loan	loan	NOUN
gp-282	70	28	disbursement	disbursement	NOUN
gp-282	70	29	process	process	NOUN
gp-282	70	30	.	.	PUNCT
gp-282	71	1	american	american	ADJ
gp-282	71	2	journal	journal	PROPN
gp-282	71	3	of	of	ADP
gp-282	71	4	economic	economic	ADJ
gp-282	71	5	and	and	CCONJ
gp-282	71	6	management	management	NOUN
gp-282	71	7	business	business	NOUN
gp-282	71	8	vol	vol	NOUN
gp-282	71	9	.	.	PROPN
gp-282	72	1	4	4	NUM
gp-282	72	2	no	no	NOUN
gp-282	72	3	.	.	NOUN
gp-282	73	1	7	7	NUM
gp-282	73	2	july	july	PROPN
gp-282	73	3	2025	2025	NUM
gp-282	73	4	1026	1026	NUM
gp-282	73	5	meanwhile	meanwhile	ADV
gp-282	73	6	,	,	PUNCT
gp-282	73	7	the	the	DET
gp-282	73	8	indicator	indicator	NOUN
gp-282	73	9	with	with	ADP
gp-282	73	10	the	the	DET
gp-282	73	11	lowest	low	ADJ
gp-282	73	12	average	average	ADJ
gp-282	73	13	score	score	NOUN
gp-282	73	14	was	be	AUX
gp-282	73	15	found	find	VERB
gp-282	73	16	in	in	ADP
gp-282	73	17	the	the	DET
gp-282	73	18	statement	statement	NOUN
gp-282	73	19	"	"	PUNCT
gp-282	73	20	i	i	PRON
gp-282	73	21	am	be	AUX
gp-282	73	22	able	able	ADJ
gp-282	73	23	to	to	PART
gp-282	73	24	analyze	analyze	VERB
gp-282	73	25	customer	customer	NOUN
gp-282	73	26	eligibility	eligibility	NOUN
gp-282	73	27	through	through	ADP
gp-282	73	28	data	datum	NOUN
gp-282	73	29	and	and	CCONJ
gp-282	73	30	documents	document	NOUN
gp-282	73	31	to	to	PART
gp-282	73	32	support	support	VERB
gp-282	73	33	proper	proper	ADJ
gp-282	73	34	credit	credit	NOUN
gp-282	73	35	disbursement	disbursement	NOUN
gp-282	73	36	and	and	CCONJ
gp-282	73	37	minimal	minimal	ADJ
gp-282	73	38	risk	risk	NOUN
gp-282	73	39	,	,	PUNCT
gp-282	73	40	"	"	PUNCT
gp-282	73	41	with	with	ADP
gp-282	73	42	an	an	DET
gp-282	73	43	average	average	ADJ
gp-282	73	44	score	score	NOUN
gp-282	73	45	of	of	ADP
gp-282	73	46	4.45	4.45	NUM
gp-282	73	47	.	.	PUNCT
gp-282	74	1	although	although	SCONJ
gp-282	74	2	this	this	DET
gp-282	74	3	value	value	NOUN
gp-282	74	4	is	be	AUX
gp-282	74	5	also	also	ADV
gp-282	74	6	included	include	VERB
gp-282	74	7	in	in	ADP
gp-282	74	8	the	the	DET
gp-282	74	9	"	"	PUNCT
gp-282	74	10	very	very	ADV
gp-282	74	11	good	good	ADJ
gp-282	74	12	"	"	PUNCT
gp-282	74	13	category	category	NOUN
gp-282	74	14	,	,	PUNCT
gp-282	74	15	compared	compare	VERB
gp-282	74	16	to	to	ADP
gp-282	74	17	other	other	ADJ
gp-282	74	18	indicators	indicator	NOUN
gp-282	74	19	,	,	PUNCT
gp-282	74	20	the	the	DET
gp-282	74	21	aspect	aspect	NOUN
gp-282	74	22	of	of	ADP
gp-282	74	23	analyzing	analyze	VERB
gp-282	74	24	customer	customer	NOUN
gp-282	74	25	eligibility	eligibility	NOUN
gp-282	74	26	is	be	AUX
gp-282	74	27	the	the	DET
gp-282	74	28	area	area	NOUN
gp-282	74	29	that	that	PRON
gp-282	74	30	has	have	VERB
gp-282	74	31	the	the	DET
gp-282	74	32	lowest	low	ADJ
gp-282	74	33	score	score	NOUN
gp-282	74	34	and	and	CCONJ
gp-282	74	35	can	can	AUX
gp-282	74	36	be	be	AUX
gp-282	74	37	a	a	DET
gp-282	74	38	concern	concern	NOUN
gp-282	74	39	for	for	ADP
gp-282	74	40	strengthening	strengthen	VERB
gp-282	74	41	competencies	competency	NOUN
gp-282	74	42	in	in	ADP
gp-282	74	43	the	the	DET
gp-282	74	44	future	future	NOUN
gp-282	74	45	,	,	PUNCT
gp-282	74	46	for	for	ADP
gp-282	74	47	example	example	NOUN
gp-282	74	48	through	through	ADP
gp-282	74	49	further	further	ADJ
gp-282	74	50	training	training	NOUN
gp-282	74	51	or	or	CCONJ
gp-282	74	52	technical	technical	ADJ
gp-282	74	53	assistance	assistance	NOUN
gp-282	74	54	.	.	PUNCT
gp-282	75	1	overall	overall	ADV
gp-282	75	2	,	,	PUNCT
gp-282	75	3	these	these	DET
gp-282	75	4	results	result	NOUN
gp-282	75	5	reflect	reflect	VERB
gp-282	75	6	that	that	SCONJ
gp-282	75	7	consumer	consumer	NOUN
gp-282	75	8	loan	loan	NOUN
gp-282	75	9	aos	aos	PROPN
gp-282	75	10	have	have	VERB
gp-282	75	11	high	high	ADJ
gp-282	75	12	competence	competence	NOUN
gp-282	75	13	in	in	ADP
gp-282	75	14	carrying	carry	VERB
gp-282	75	15	out	out	ADP
gp-282	75	16	their	their	PRON
gp-282	75	17	roles	role	NOUN
gp-282	75	18	,	,	PUNCT
gp-282	75	19	both	both	CCONJ
gp-282	75	20	in	in	ADP
gp-282	75	21	terms	term	NOUN
gp-282	75	22	of	of	ADP
gp-282	75	23	target	target	NOUN
gp-282	75	24	achievement	achievement	NOUN
gp-282	75	25	,	,	PUNCT
gp-282	75	26	feasibility	feasibility	NOUN
gp-282	75	27	analysis	analysis	NOUN
gp-282	75	28	,	,	PUNCT
gp-282	75	29	communication	communication	NOUN
gp-282	75	30	,	,	PUNCT
gp-282	75	31	and	and	CCONJ
gp-282	75	32	taking	take	VERB
gp-282	75	33	initiatives	initiative	NOUN
gp-282	75	34	to	to	PART
gp-282	75	35	resolve	resolve	VERB
gp-282	75	36	loan	loan	NOUN
gp-282	75	37	disbursement	disbursement	NOUN
gp-282	75	38	obstacles	obstacle	NOUN
gp-282	75	39	.	.	PUNCT
gp-282	76	1	work	work	NOUN
gp-282	76	2	motivation	motivation	NOUN
gp-282	76	3	overview	overview	NOUN
gp-282	76	4	based	base	VERB
gp-282	76	5	on	on	ADP
gp-282	76	6	the	the	DET
gp-282	76	7	results	result	NOUN
gp-282	76	8	of	of	ADP
gp-282	76	9	data	datum	NOUN
gp-282	76	10	processing	processing	NOUN
gp-282	76	11	from	from	ADP
gp-282	76	12	87	87	NUM
gp-282	76	13	respondents	respondent	NOUN
gp-282	76	14	who	who	PRON
gp-282	76	15	filled	fill	VERB
gp-282	76	16	out	out	ADP
gp-282	76	17	the	the	DET
gp-282	76	18	questionnaire	questionnaire	NOUN
gp-282	76	19	,	,	PUNCT
gp-282	76	20	responses	response	NOUN
gp-282	76	21	were	be	AUX
gp-282	76	22	obtained	obtain	VERB
gp-282	76	23	regarding	regard	VERB
gp-282	76	24	work	work	NOUN
gp-282	76	25	motivation	motivation	NOUN
gp-282	76	26	variables	variable	NOUN
gp-282	76	27	as	as	SCONJ
gp-282	76	28	measured	measure	VERB
gp-282	76	29	by	by	ADP
gp-282	76	30	six	six	NUM
gp-282	76	31	indicators	indicator	NOUN
gp-282	76	32	.	.	PUNCT
gp-282	77	1	details	detail	NOUN
gp-282	77	2	of	of	ADP
gp-282	77	3	respondents	respondent	NOUN
gp-282	77	4	'	'	PART
gp-282	77	5	responses	response	NOUN
gp-282	77	6	are	be	AUX
gp-282	77	7	presented	present	VERB
gp-282	77	8	in	in	ADP
gp-282	77	9	table	table	NOUN
gp-282	77	10	2	2	NUM
gp-282	77	11	:	:	PUNCT
gp-282	77	12	table	table	NOUN
gp-282	77	13	2	2	NUM
gp-282	77	14	.	.	PUNCT
gp-282	77	15	respondents	respondent	NOUN
gp-282	77	16	'	'	PART
gp-282	77	17	responses	response	NOUN
gp-282	77	18	to	to	PART
gp-282	77	19	work	work	VERB
gp-282	77	20	motivation	motivation	NOUN
gp-282	77	21	no	no	PROPN
gp-282	77	22	.	.	NOUN
gp-282	77	23	size	size	NOUN
gp-282	78	1	ss	ss	PROPN
gp-282	78	2	s	s	VERB
gp-282	78	3	n	n	PRON
gp-282	78	4	ts	ts	ADP
gp-282	78	5	sts	st	VERB
gp-282	78	6	actual	actual	ADJ
gp-282	78	7	score	score	NOUN
gp-282	78	8	average	average	ADJ
gp-282	78	9	ket	ket	NOUN
gp-282	78	10	.	.	PUNCT
gp-282	79	1	1	1	NUM
gp-282	79	2	i	i	PRON
gp-282	79	3	feel	feel	VERB
gp-282	79	4	satisfied	satisfied	ADJ
gp-282	79	5	when	when	SCONJ
gp-282	79	6	i	i	PRON
gp-282	79	7	achieve	achieve	VERB
gp-282	79	8	challenging	challenging	ADJ
gp-282	79	9	and	and	CCONJ
gp-282	79	10	strategic	strategic	ADJ
gp-282	79	11	loan	loan	NOUN
gp-282	79	12	disbursement	disbursement	NOUN
gp-282	79	13	targets	target	NOUN
gp-282	79	14	for	for	ADP
gp-282	79	15	the	the	DET
gp-282	79	16	branch	branch	NOUN
gp-282	79	17	.	.	PUNCT
gp-282	80	1	57	57	NUM
gp-282	80	2	23	23	NUM
gp-282	80	3	7	7	NUM
gp-282	80	4	0	0	NUM
gp-282	80	5	0	0	NUM
gp-282	80	6	398	398	NUM
gp-282	80	7	4.57	4.57	NUM
gp-282	80	8	very	very	ADV
gp-282	80	9	good	good	ADJ
gp-282	80	10	2	2	NUM
gp-282	80	11	i	i	PRON
gp-282	80	12	feel	feel	VERB
gp-282	80	13	appreciated	appreciated	ADJ
gp-282	80	14	for	for	ADP
gp-282	80	15	my	my	PRON
gp-282	80	16	achievements	achievement	NOUN
gp-282	80	17	in	in	ADP
gp-282	80	18	loan	loan	NOUN
gp-282	80	19	disbursement	disbursement	NOUN
gp-282	80	20	by	by	ADP
gp-282	80	21	my	my	PRON
gp-282	80	22	superiors	superior	NOUN
gp-282	80	23	and	and	CCONJ
gp-282	80	24	coworkers	coworker	NOUN
gp-282	80	25	.	.	PUNCT
gp-282	81	1	35	35	NUM
gp-282	81	2	34	34	NUM
gp-282	81	3	18	18	NUM
gp-282	81	4	0	0	NUM
gp-282	81	5	0	0	NUM
gp-282	81	6	365	365	NUM
gp-282	81	7	4.20	4.20	NUM
gp-282	81	8	good	good	NOUN
gp-282	81	9	3	3	NUM
gp-282	82	1	i	i	PRON
gp-282	82	2	was	be	AUX
gp-282	82	3	given	give	VERB
gp-282	82	4	full	full	ADJ
gp-282	82	5	trust	trust	NOUN
gp-282	82	6	to	to	PART
gp-282	82	7	manage	manage	VERB
gp-282	82	8	the	the	DET
gp-282	82	9	entire	entire	ADJ
gp-282	82	10	loan	loan	NOUN
gp-282	82	11	disbursement	disbursement	NOUN
gp-282	82	12	process	process	NOUN
gp-282	82	13	without	without	ADP
gp-282	82	14	constant	constant	ADJ
gp-282	82	15	supervision	supervision	NOUN
gp-282	82	16	.	.	PUNCT
gp-282	83	1	14	14	NUM
gp-282	83	2	33	33	NUM
gp-282	83	3	21	21	NUM
gp-282	83	4	16	16	NUM
gp-282	83	5	3	3	NUM
gp-282	83	6	300	300	NUM
gp-282	83	7	3.45	3.45	NUM
gp-282	83	8	good	good	NOUN
gp-282	83	9	4	4	NUM
gp-282	84	1	i	i	PRON
gp-282	84	2	have	have	VERB
gp-282	84	3	an	an	DET
gp-282	84	4	open	open	ADJ
gp-282	84	5	and	and	CCONJ
gp-282	84	6	supportive	supportive	ADJ
gp-282	84	7	working	working	NOUN
gp-282	84	8	relationship	relationship	NOUN
gp-282	84	9	with	with	ADP
gp-282	84	10	my	my	PRON
gp-282	84	11	superiors	superior	NOUN
gp-282	84	12	in	in	ADP
gp-282	84	13	supporting	support	VERB
gp-282	84	14	debtors	debtor	NOUN
gp-282	84	15	'	'	PART
gp-282	84	16	loan	loan	NOUN
gp-282	84	17	disbursement	disbursement	NOUN
gp-282	84	18	.	.	PUNCT
gp-282	85	1	34	34	NUM
gp-282	85	2	49	49	NUM
gp-282	85	3	4	4	NUM
gp-282	85	4	0	0	NUM
gp-282	85	5	0	0	NUM
gp-282	85	6	378	378	NUM
gp-282	85	7	4.34	4.34	NUM
gp-282	85	8	very	very	ADV
gp-282	85	9	good	good	ADJ
gp-282	85	10	5	5	NUM
gp-282	85	11	i	i	PRON
gp-282	85	12	feel	feel	VERB
gp-282	85	13	that	that	SCONJ
gp-282	85	14	the	the	DET
gp-282	85	15	environment	environment	NOUN
gp-282	85	16	and	and	CCONJ
gp-282	85	17	work	work	NOUN
gp-282	85	18	system	system	NOUN
gp-282	85	19	support	support	VERB
gp-282	85	20	the	the	DET
gp-282	85	21	smooth	smooth	ADJ
gp-282	85	22	process	process	NOUN
gp-282	85	23	of	of	ADP
gp-282	85	24	loan	loan	NOUN
gp-282	85	25	disbursement	disbursement	NOUN
gp-282	85	26	.	.	PUNCT
gp-282	86	1	32	32	NUM
gp-282	86	2	44	44	NUM
gp-282	86	3	10	10	NUM
gp-282	86	4	1	1	NUM
gp-282	86	5	0	0	NUM
gp-282	86	6	368	368	NUM
gp-282	86	7	4.23	4.23	NUM
gp-282	86	8	very	very	ADV
gp-282	86	9	good	good	ADJ
gp-282	86	10	6	6	NUM
gp-282	87	1	i	i	PRON
gp-282	87	2	feel	feel	VERB
gp-282	87	3	that	that	SCONJ
gp-282	87	4	the	the	DET
gp-282	87	5	salary	salary	NOUN
gp-282	87	6	i	i	PRON
gp-282	87	7	receive	receive	VERB
gp-282	87	8	reflects	reflect	VERB
gp-282	87	9	my	my	PRON
gp-282	87	10	workload	workload	NOUN
gp-282	87	11	and	and	CCONJ
gp-282	87	12	responsibilities	responsibility	NOUN
gp-282	87	13	in	in	ADP
gp-282	87	14	loan	loan	NOUN
gp-282	87	15	disbursement	disbursement	NOUN
gp-282	87	16	.	.	PUNCT
gp-282	88	1	12	12	NUM
gp-282	88	2	37	37	NUM
gp-282	88	3	29	29	NUM
gp-282	88	4	7	7	NUM
gp-282	88	5	2	2	NUM
gp-282	88	6	311	311	NUM
gp-282	88	7	3.57	3.57	NUM
gp-282	88	8	good	good	ADJ
gp-282	88	9	total	total	ADJ
gp-282	88	10	2120	2120	NUM
gp-282	88	11	4.06	4.06	NUM
gp-282	88	12	good	good	ADJ
gp-282	88	13	source	source	NOUN
gp-282	88	14	:	:	PUNCT
gp-282	88	15	results	result	NOUN
gp-282	88	16	of	of	ADP
gp-282	88	17	questionnaire	questionnaire	NOUN
gp-282	88	18	,	,	PUNCT
gp-282	88	19	data	datum	NOUN
gp-282	88	20	processed	process	VERB
gp-282	88	21	(	(	PUNCT
gp-282	88	22	2025	2025	NUM
gp-282	88	23	)	)	PUNCT
gp-282	88	24	based	base	VERB
gp-282	88	25	on	on	ADP
gp-282	88	26	table	table	NOUN
gp-282	88	27	2	2	NUM
gp-282	88	28	,	,	PUNCT
gp-282	88	29	it	it	PRON
gp-282	88	30	is	be	AUX
gp-282	88	31	known	know	VERB
gp-282	88	32	that	that	SCONJ
gp-282	88	33	the	the	DET
gp-282	88	34	total	total	ADJ
gp-282	88	35	actual	actual	ADJ
gp-282	88	36	score	score	NOUN
gp-282	88	37	of	of	ADP
gp-282	88	38	work	work	NOUN
gp-282	88	39	motivation	motivation	NOUN
gp-282	88	40	is	be	AUX
gp-282	88	41	2,120	2,120	NUM
gp-282	88	42	,	,	PUNCT
gp-282	88	43	with	with	ADP
gp-282	88	44	an	an	DET
gp-282	88	45	average	average	ADJ
gp-282	88	46	score	score	NOUN
gp-282	88	47	of	of	ADP
gp-282	88	48	4.06	4.06	NUM
gp-282	88	49	,	,	PUNCT
gp-282	88	50	which	which	PRON
gp-282	88	51	is	be	AUX
gp-282	88	52	included	include	VERB
gp-282	88	53	in	in	ADP
gp-282	88	54	the	the	DET
gp-282	88	55	"	"	PUNCT
gp-282	88	56	good	good	ADJ
gp-282	88	57	"	"	PUNCT
gp-282	88	58	category	category	NOUN
gp-282	88	59	.	.	PUNCT
gp-282	89	1	this	this	PRON
gp-282	89	2	shows	show	VERB
gp-282	89	3	that	that	SCONJ
gp-282	89	4	in	in	ADP
gp-282	89	5	general	general	ADJ
gp-282	89	6	,	,	PUNCT
gp-282	89	7	the	the	DET
gp-282	89	8	work	work	NOUN
gp-282	89	9	motivation	motivation	NOUN
gp-282	89	10	of	of	ADP
gp-282	89	11	consumer	consumer	NOUN
gp-282	89	12	loan	loan	NOUN
gp-282	89	13	aos	aos	NOUN
gp-282	89	14	at	at	ADP
gp-282	89	15	the	the	DET
gp-282	89	16	bandung	bandung	PROPN
gp-282	89	17	region	region	PROPN
gp-282	89	18	galuh	galuh	PROPN
gp-282	89	19	bank	bank	PROPN
gp-282	89	20	office	office	NOUN
gp-282	89	21	is	be	AUX
gp-282	89	22	at	at	ADP
gp-282	89	23	a	a	DET
gp-282	89	24	good	good	ADJ
gp-282	89	25	and	and	CCONJ
gp-282	89	26	positive	positive	ADJ
gp-282	89	27	level	level	NOUN
gp-282	89	28	,	,	PUNCT
gp-282	89	29	although	although	SCONJ
gp-282	89	30	it	it	PRON
gp-282	89	31	still	still	ADV
gp-282	89	32	has	have	VERB
gp-282	89	33	room	room	NOUN
gp-282	89	34	for	for	ADP
gp-282	89	35	further	further	ADJ
gp-282	89	36	improvement	improvement	NOUN
gp-282	89	37	.	.	PUNCT
gp-282	90	1	the	the	DET
gp-282	90	2	indicator	indicator	NOUN
gp-282	90	3	with	with	ADP
gp-282	90	4	the	the	DET
gp-282	90	5	highest	high	ADJ
gp-282	90	6	average	average	NOUN
gp-282	90	7	is	be	AUX
gp-282	90	8	found	find	VERB
gp-282	90	9	in	in	ADP
gp-282	90	10	the	the	DET
gp-282	90	11	statement	statement	NOUN
gp-282	90	12	"	"	PUNCT
gp-282	90	13	i	i	PRON
gp-282	90	14	feel	feel	VERB
gp-282	90	15	satisfied	satisfied	ADJ
gp-282	90	16	when	when	SCONJ
gp-282	90	17	i	i	PRON
gp-282	90	18	achieve	achieve	VERB
gp-282	90	19	challenging	challenging	ADJ
gp-282	90	20	and	and	CCONJ
gp-282	90	21	strategic	strategic	ADJ
gp-282	90	22	loan	loan	NOUN
gp-282	90	23	disbursement	disbursement	NOUN
gp-282	90	24	targets	target	NOUN
gp-282	90	25	for	for	ADP
gp-282	90	26	the	the	DET
gp-282	90	27	branch	branch	NOUN
gp-282	90	28	,	,	PUNCT
gp-282	90	29	"	"	PUNCT
gp-282	90	30	with	with	ADP
gp-282	90	31	a	a	DET
gp-282	90	32	value	value	NOUN
gp-282	90	33	of	of	ADP
gp-282	90	34	4.57	4.57	NUM
gp-282	90	35	which	which	PRON
gp-282	90	36	is	be	AUX
gp-282	90	37	in	in	ADP
gp-282	90	38	the	the	DET
gp-282	90	39	"	"	PUNCT
gp-282	90	40	very	very	ADV
gp-282	90	41	good	good	ADJ
gp-282	90	42	"	"	PUNCT
gp-282	90	43	tiara	tiara	PROPN
gp-282	90	44	agustina	agustina	PROPN
gp-282	90	45	,	,	PUNCT
gp-282	90	46	achmad	achmad	PROPN
gp-282	90	47	ghazali	ghazali	PROPN
gp-282	90	48	1027	1027	NUM
gp-282	90	49	category	category	NOUN
gp-282	90	50	.	.	PUNCT
gp-282	91	1	this	this	PRON
gp-282	91	2	shows	show	VERB
gp-282	91	3	that	that	SCONJ
gp-282	91	4	target	target	NOUN
gp-282	91	5	achievement	achievement	NOUN
gp-282	91	6	is	be	AUX
gp-282	91	7	one	one	NUM
gp-282	91	8	of	of	ADP
gp-282	91	9	the	the	DET
gp-282	91	10	main	main	ADJ
gp-282	91	11	drivers	driver	NOUN
gp-282	91	12	of	of	ADP
gp-282	91	13	respondents	respondent	NOUN
gp-282	91	14	'	'	PART
gp-282	91	15	work	work	NOUN
gp-282	91	16	motivation	motivation	NOUN
gp-282	91	17	,	,	PUNCT
gp-282	91	18	especially	especially	ADV
gp-282	91	19	if	if	SCONJ
gp-282	91	20	the	the	DET
gp-282	91	21	target	target	NOUN
gp-282	91	22	has	have	VERB
gp-282	91	23	strategic	strategic	ADJ
gp-282	91	24	value	value	NOUN
gp-282	91	25	for	for	ADP
gp-282	91	26	their	their	PRON
gp-282	91	27	work	work	NOUN
gp-282	91	28	unit	unit	NOUN
gp-282	91	29	.	.	PUNCT
gp-282	92	1	meanwhile	meanwhile	ADV
gp-282	92	2	,	,	PUNCT
gp-282	92	3	the	the	DET
gp-282	92	4	indicator	indicator	NOUN
gp-282	92	5	with	with	ADP
gp-282	92	6	the	the	DET
gp-282	92	7	lowest	low	ADJ
gp-282	92	8	average	average	ADJ
gp-282	92	9	score	score	NOUN
gp-282	92	10	was	be	AUX
gp-282	92	11	found	find	VERB
gp-282	92	12	in	in	ADP
gp-282	92	13	the	the	DET
gp-282	92	14	statement	statement	NOUN
gp-282	92	15	"	"	PUNCT
gp-282	92	16	i	i	PRON
gp-282	92	17	was	be	AUX
gp-282	92	18	given	give	VERB
gp-282	92	19	full	full	ADJ
gp-282	92	20	trust	trust	NOUN
gp-282	92	21	to	to	PART
gp-282	92	22	manage	manage	VERB
gp-282	92	23	the	the	DET
gp-282	92	24	entire	entire	ADJ
gp-282	92	25	loan	loan	NOUN
gp-282	92	26	disbursement	disbursement	NOUN
gp-282	92	27	process	process	NOUN
gp-282	92	28	without	without	ADP
gp-282	92	29	constant	constant	ADJ
gp-282	92	30	supervision	supervision	NOUN
gp-282	92	31	"	"	PUNCT
gp-282	92	32	,	,	PUNCT
gp-282	92	33	with	with	ADP
gp-282	92	34	an	an	DET
gp-282	92	35	average	average	ADJ
gp-282	92	36	score	score	NOUN
gp-282	92	37	of	of	ADP
gp-282	92	38	3.45	3.45	NUM
gp-282	92	39	,	,	PUNCT
gp-282	92	40	which	which	PRON
gp-282	92	41	falls	fall	VERB
gp-282	92	42	into	into	ADP
gp-282	92	43	the	the	DET
gp-282	92	44	"	"	PUNCT
gp-282	92	45	good	good	ADJ
gp-282	92	46	"	"	PUNCT
gp-282	92	47	category	category	NOUN
gp-282	92	48	,	,	PUNCT
gp-282	92	49	but	but	CCONJ
gp-282	92	50	is	be	AUX
gp-282	92	51	close	close	ADJ
gp-282	92	52	to	to	ADP
gp-282	92	53	the	the	DET
gp-282	92	54	lower	low	ADJ
gp-282	92	55	limit	limit	NOUN
gp-282	92	56	of	of	ADP
gp-282	92	57	the	the	DET
gp-282	92	58	category	category	NOUN
gp-282	92	59	.	.	PUNCT
gp-282	93	1	in	in	ADP
gp-282	93	2	addition	addition	NOUN
gp-282	93	3	,	,	PUNCT
gp-282	93	4	the	the	DET
gp-282	93	5	statement	statement	NOUN
gp-282	93	6	"	"	PUNCT
gp-282	93	7	i	i	PRON
gp-282	93	8	feel	feel	VERB
gp-282	93	9	that	that	SCONJ
gp-282	93	10	the	the	DET
gp-282	93	11	salary	salary	NOUN
gp-282	93	12	i	i	PRON
gp-282	93	13	receive	receive	VERB
gp-282	93	14	reflects	reflect	VERB
gp-282	93	15	my	my	PRON
gp-282	93	16	workload	workload	NOUN
gp-282	93	17	and	and	CCONJ
gp-282	93	18	responsibilities	responsibility	NOUN
gp-282	93	19	in	in	ADP
gp-282	93	20	loan	loan	NOUN
gp-282	93	21	disbursement	disbursement	NOUN
gp-282	93	22	"	"	PUNCT
gp-282	93	23	also	also	ADV
gp-282	93	24	showed	show	VERB
gp-282	93	25	a	a	DET
gp-282	93	26	relatively	relatively	ADV
gp-282	93	27	low	low	ADJ
gp-282	93	28	score	score	NOUN
gp-282	93	29	of	of	ADP
gp-282	93	30	3.57	3.57	NUM
gp-282	93	31	,	,	PUNCT
gp-282	93	32	although	although	SCONJ
gp-282	93	33	still	still	ADV
gp-282	93	34	in	in	ADP
gp-282	93	35	the	the	DET
gp-282	93	36	"	"	PUNCT
gp-282	93	37	good	good	ADJ
gp-282	93	38	"	"	PUNCT
gp-282	93	39	category	category	NOUN
gp-282	93	40	.	.	PUNCT
gp-282	94	1	these	these	DET
gp-282	94	2	two	two	NUM
gp-282	94	3	indicators	indicator	NOUN
gp-282	94	4	reflect	reflect	VERB
gp-282	94	5	that	that	SCONJ
gp-282	94	6	some	some	DET
gp-282	94	7	respondents	respondent	NOUN
gp-282	94	8	feel	feel	VERB
gp-282	94	9	that	that	SCONJ
gp-282	94	10	the	the	DET
gp-282	94	11	level	level	NOUN
gp-282	94	12	of	of	ADP
gp-282	94	13	trust	trust	NOUN
gp-282	94	14	given	give	VERB
gp-282	94	15	in	in	ADP
gp-282	94	16	the	the	DET
gp-282	94	17	performance	performance	NOUN
gp-282	94	18	of	of	ADP
gp-282	94	19	duties	duty	NOUN
gp-282	94	20	as	as	ADV
gp-282	94	21	well	well	ADV
gp-282	94	22	as	as	ADP
gp-282	94	23	the	the	DET
gp-282	94	24	adequacy	adequacy	NOUN
gp-282	94	25	of	of	ADP
gp-282	94	26	financial	financial	ADJ
gp-282	94	27	compensation	compensation	NOUN
gp-282	94	28	has	have	AUX
gp-282	94	29	not	not	PART
gp-282	94	30	been	be	AUX
gp-282	94	31	fully	fully	ADV
gp-282	94	32	optimized	optimize	VERB
gp-282	94	33	.	.	PUNCT
gp-282	95	1	this	this	PRON
gp-282	95	2	is	be	AUX
gp-282	95	3	an	an	DET
gp-282	95	4	important	important	ADJ
gp-282	95	5	note	note	NOUN
gp-282	95	6	in	in	ADP
gp-282	95	7	the	the	DET
gp-282	95	8	context	context	NOUN
gp-282	95	9	of	of	ADP
gp-282	95	10	strengthening	strengthen	VERB
gp-282	95	11	work	work	NOUN
gp-282	95	12	motivation	motivation	NOUN
gp-282	95	13	,	,	PUNCT
gp-282	95	14	as	as	SCONJ
gp-282	95	15	trust	trust	NOUN
gp-282	95	16	and	and	CCONJ
gp-282	95	17	perceptions	perception	NOUN
gp-282	95	18	of	of	ADP
gp-282	95	19	reward	reward	NOUN
gp-282	95	20	fairness	fairness	NOUN
gp-282	95	21	are	be	AUX
gp-282	95	22	elements	element	NOUN
gp-282	95	23	that	that	PRON
gp-282	95	24	influence	influence	VERB
gp-282	95	25	employee	employee	NOUN
gp-282	95	26	morale	morale	NOUN
gp-282	95	27	and	and	CCONJ
gp-282	95	28	engagement	engagement	NOUN
gp-282	95	29	.	.	PUNCT
gp-282	96	1	overall	overall	ADV
gp-282	96	2	,	,	PUNCT
gp-282	96	3	these	these	DET
gp-282	96	4	results	result	NOUN
gp-282	96	5	indicate	indicate	VERB
gp-282	96	6	that	that	SCONJ
gp-282	96	7	the	the	DET
gp-282	96	8	work	work	NOUN
gp-282	96	9	motivation	motivation	NOUN
gp-282	96	10	of	of	ADP
gp-282	96	11	aos	aos	PROPN
gp-282	96	12	within	within	ADP
gp-282	96	13	bank	bank	PROPN
gp-282	96	14	galuh	galuh	NOUN
gp-282	96	15	is	be	AUX
gp-282	96	16	relatively	relatively	ADV
gp-282	96	17	good	good	ADJ
gp-282	96	18	,	,	PUNCT
gp-282	96	19	but	but	CCONJ
gp-282	96	20	still	still	ADV
gp-282	96	21	needs	need	VERB
gp-282	96	22	to	to	PART
gp-282	96	23	be	be	AUX
gp-282	96	24	strengthened	strengthen	VERB
gp-282	96	25	,	,	PUNCT
gp-282	96	26	especially	especially	ADV
gp-282	96	27	in	in	ADP
gp-282	96	28	the	the	DET
gp-282	96	29	aspect	aspect	NOUN
gp-282	96	30	of	of	ADP
gp-282	96	31	giving	give	VERB
gp-282	96	32	trust	trust	NOUN
gp-282	96	33	in	in	ADP
gp-282	96	34	work	work	NOUN
gp-282	96	35	management	management	NOUN
gp-282	96	36	and	and	CCONJ
gp-282	96	37	adjusting	adjust	VERB
gp-282	96	38	the	the	DET
gp-282	96	39	workload	workload	NOUN
gp-282	96	40	to	to	ADP
gp-282	96	41	the	the	DET
gp-282	96	42	rewards	reward	NOUN
gp-282	96	43	received	receive	VERB
gp-282	96	44	.	.	PUNCT
gp-282	97	1	strategic	strategic	ADJ
gp-282	97	2	steps	step	NOUN
gp-282	97	3	such	such	ADJ
gp-282	97	4	as	as	ADP
gp-282	97	5	evaluating	evaluate	VERB
gp-282	97	6	the	the	DET
gp-282	97	7	remuneration	remuneration	NOUN
gp-282	97	8	system	system	NOUN
gp-282	97	9	and	and	CCONJ
gp-282	97	10	increasing	increase	VERB
gp-282	97	11	autonomy	autonomy	NOUN
gp-282	97	12	in	in	ADP
gp-282	97	13	carrying	carry	VERB
gp-282	97	14	out	out	ADP
gp-282	97	15	tasks	task	NOUN
gp-282	97	16	can	can	AUX
gp-282	97	17	be	be	AUX
gp-282	97	18	considered	consider	VERB
gp-282	97	19	to	to	PART
gp-282	97	20	further	far	ADV
gp-282	97	21	encourage	encourage	VERB
gp-282	97	22	work	work	NOUN
gp-282	97	23	motivation	motivation	NOUN
gp-282	97	24	to	to	ADP
gp-282	97	25	a	a	DET
gp-282	97	26	more	more	ADV
gp-282	97	27	optimal	optimal	ADJ
gp-282	97	28	level	level	NOUN
gp-282	97	29	.	.	PUNCT
gp-282	98	1	performance	performance	NOUN
gp-282	98	2	overview	overview	NOUN
gp-282	98	3	based	base	VERB
gp-282	98	4	on	on	ADP
gp-282	98	5	the	the	DET
gp-282	98	6	results	result	NOUN
gp-282	98	7	of	of	ADP
gp-282	98	8	data	datum	NOUN
gp-282	98	9	processing	processing	NOUN
gp-282	98	10	from	from	ADP
gp-282	98	11	87	87	NUM
gp-282	98	12	respondents	respondent	NOUN
gp-282	98	13	who	who	PRON
gp-282	98	14	filled	fill	VERB
gp-282	98	15	out	out	ADP
gp-282	98	16	the	the	DET
gp-282	98	17	questionnaire	questionnaire	NOUN
gp-282	98	18	,	,	PUNCT
gp-282	98	19	responses	response	NOUN
gp-282	98	20	were	be	AUX
gp-282	98	21	obtained	obtain	VERB
gp-282	98	22	regarding	regard	VERB
gp-282	98	23	performance	performance	NOUN
gp-282	98	24	variables	variable	NOUN
gp-282	98	25	as	as	SCONJ
gp-282	98	26	measured	measure	VERB
gp-282	98	27	by	by	ADP
gp-282	98	28	four	four	NUM
gp-282	98	29	indicators	indicator	NOUN
gp-282	98	30	.	.	PUNCT
gp-282	99	1	details	detail	NOUN
gp-282	99	2	of	of	ADP
gp-282	99	3	respondents	respondent	NOUN
gp-282	99	4	'	'	PART
gp-282	99	5	responses	response	NOUN
gp-282	99	6	are	be	AUX
gp-282	99	7	presented	present	VERB
gp-282	99	8	in	in	ADP
gp-282	99	9	table	table	NOUN
gp-282	99	10	3	3	NUM
gp-282	99	11	:	:	PUNCT
gp-282	99	12	table	table	NOUN
gp-282	99	13	3	3	NUM
gp-282	99	14	.	.	PUNCT
gp-282	99	15	respondents	respondent	NOUN
gp-282	99	16	'	'	PART
gp-282	99	17	responses	response	NOUN
gp-282	99	18	on	on	ADP
gp-282	99	19	performance	performance	NOUN
gp-282	99	20	no	no	PROPN
gp-282	99	21	.	.	NOUN
gp-282	99	22	size	size	NOUN
gp-282	99	23	ss	ss	PROPN
gp-282	99	24	s	s	VERB
gp-282	99	25	n	n	PRON
gp-282	99	26	ts	ts	ADP
gp-282	99	27	sts	st	VERB
gp-282	99	28	actual	actual	ADJ
gp-282	99	29	score	score	NOUN
gp-282	99	30	average	average	ADJ
gp-282	99	31	ket	ket	NOUN
gp-282	99	32	.	.	PUNCT
gp-282	100	1	1	1	NUM
gp-282	100	2	i	i	PRON
gp-282	100	3	consistently	consistently	ADV
gp-282	100	4	achieve	achieve	VERB
gp-282	100	5	or	or	CCONJ
gp-282	100	6	exceed	exceed	VERB
gp-282	100	7	the	the	DET
gp-282	100	8	target	target	NOUN
gp-282	100	9	number	number	NOUN
gp-282	100	10	of	of	ADP
gp-282	100	11	debtors	debtor	NOUN
gp-282	100	12	and	and	CCONJ
gp-282	100	13	volume	volume	NOUN
gp-282	100	14	of	of	ADP
gp-282	100	15	loans	loan	NOUN
gp-282	100	16	disbursed	disburse	VERB
gp-282	100	17	each	each	DET
gp-282	100	18	month	month	NOUN
gp-282	100	19	.	.	PUNCT
gp-282	101	1	18	18	NUM
gp-282	101	2	47	47	NUM
gp-282	101	3	22	22	NUM
gp-282	101	4	0	0	NUM
gp-282	101	5	0	0	NUM
gp-282	101	6	344	344	NUM
gp-282	101	7	3.95	3.95	NUM
gp-282	101	8	good	good	ADJ
gp-282	101	9	2	2	NUM
gp-282	101	10	i	i	PRON
gp-282	101	11	checked	check	VERB
gp-282	101	12	the	the	DET
gp-282	101	13	loan	loan	NOUN
gp-282	101	14	application	application	NOUN
gp-282	101	15	documents	document	NOUN
gp-282	101	16	carefully	carefully	ADV
gp-282	101	17	to	to	PART
gp-282	101	18	avoid	avoid	VERB
gp-282	101	19	errors	error	NOUN
gp-282	101	20	that	that	PRON
gp-282	101	21	could	could	AUX
gp-282	101	22	slow	slow	VERB
gp-282	101	23	down	down	ADP
gp-282	101	24	the	the	DET
gp-282	101	25	disbursement	disbursement	NOUN
gp-282	101	26	process	process	NOUN
gp-282	101	27	.	.	PUNCT
gp-282	102	1	39	39	NUM
gp-282	103	1	45	45	NUM
gp-282	103	2	3	3	NUM
gp-282	103	3	0	0	NUM
gp-282	103	4	0	0	NUM
gp-282	103	5	384	384	NUM
gp-282	103	6	4.41	4.41	NUM
gp-282	103	7	very	very	ADV
gp-282	103	8	good	good	ADJ
gp-282	103	9	3	3	NUM
gp-282	103	10	i	i	PRON
gp-282	103	11	ensure	ensure	VERB
gp-282	103	12	the	the	DET
gp-282	103	13	process	process	NOUN
gp-282	103	14	from	from	ADP
gp-282	103	15	application	application	NOUN
gp-282	103	16	to	to	ADP
gp-282	103	17	loan	loan	NOUN
gp-282	103	18	disbursement	disbursement	NOUN
gp-282	103	19	is	be	AUX
gp-282	103	20	completed	complete	VERB
gp-282	103	21	on	on	ADP
gp-282	103	22	time	time	NOUN
gp-282	103	23	as	as	ADP
gp-282	103	24	per	per	ADP
gp-282	103	25	the	the	DET
gp-282	103	26	service	service	NOUN
gp-282	103	27	target	target	NOUN
gp-282	103	28	.	.	PUNCT
gp-282	104	1	48	48	NUM
gp-282	104	2	38	38	NUM
gp-282	104	3	1	1	NUM
gp-282	104	4	0	0	NUM
gp-282	104	5	0	0	NUM
gp-282	104	6	395	395	NUM
gp-282	104	7	4.54	4.54	NUM
gp-282	104	8	very	very	ADV
gp-282	104	9	good	good	ADJ
gp-282	104	10	4	4	NUM
gp-282	104	11	i	i	PRON
gp-282	104	12	can	can	AUX
gp-282	104	13	handle	handle	VERB
gp-282	104	14	more	more	ADJ
gp-282	104	15	than	than	ADP
gp-282	104	16	one	one	NUM
gp-282	104	17	loan	loan	NOUN
gp-282	104	18	disbursement	disbursement	NOUN
gp-282	104	19	at	at	ADP
gp-282	104	20	the	the	DET
gp-282	104	21	same	same	ADJ
gp-282	104	22	time	time	NOUN
gp-282	104	23	without	without	ADP
gp-282	104	24	compromising	compromise	VERB
gp-282	104	25	accuracy	accuracy	NOUN
gp-282	104	26	.	.	PUNCT
gp-282	105	1	43	43	NUM
gp-282	105	2	38	38	NUM
gp-282	105	3	4	4	NUM
gp-282	105	4	2	2	NUM
gp-282	105	5	0	0	NUM
gp-282	105	6	383	383	NUM
gp-282	105	7	4.40	4.40	NUM
gp-282	105	8	very	very	ADV
gp-282	105	9	good	good	ADJ
gp-282	105	10	total	total	NOUN
gp-282	105	11	1506	1506	NUM
gp-282	105	12	4.33	4.33	NUM
gp-282	105	13	very	very	ADV
gp-282	105	14	good	good	ADJ
gp-282	105	15	source	source	NOUN
gp-282	105	16	:	:	PUNCT
gp-282	105	17	data	datum	NOUN
gp-282	105	18	processing	processing	NOUN
gp-282	105	19	results	result	NOUN
gp-282	105	20	(	(	PUNCT
gp-282	105	21	2025	2025	NUM
gp-282	105	22	)	)	PUNCT
gp-282	105	23	based	base	VERB
gp-282	105	24	on	on	ADP
gp-282	105	25	table	table	NOUN
gp-282	105	26	3	3	NUM
gp-282	105	27	,	,	PUNCT
gp-282	105	28	it	it	PRON
gp-282	105	29	is	be	AUX
gp-282	105	30	known	know	VERB
gp-282	105	31	that	that	SCONJ
gp-282	105	32	the	the	DET
gp-282	105	33	total	total	ADJ
gp-282	105	34	actual	actual	ADJ
gp-282	105	35	score	score	NOUN
gp-282	105	36	of	of	ADP
gp-282	105	37	all	all	DET
gp-282	105	38	performance	performance	NOUN
gp-282	105	39	indicators	indicator	NOUN
gp-282	105	40	is	be	AUX
gp-282	105	41	1,506	1,506	NUM
gp-282	105	42	,	,	PUNCT
gp-282	105	43	with	with	ADP
gp-282	105	44	an	an	DET
gp-282	105	45	average	average	NOUN
gp-282	105	46	of	of	ADP
gp-282	105	47	4.33	4.33	NUM
gp-282	105	48	,	,	PUNCT
gp-282	105	49	which	which	PRON
gp-282	105	50	is	be	AUX
gp-282	105	51	included	include	VERB
gp-282	105	52	in	in	ADP
gp-282	105	53	the	the	DET
gp-282	105	54	"	"	PUNCT
gp-282	105	55	very	very	ADV
gp-282	105	56	good	good	ADJ
gp-282	105	57	"	"	PUNCT
gp-282	105	58	category	category	NOUN
gp-282	105	59	.	.	PUNCT
gp-282	106	1	this	this	PRON
gp-282	106	2	shows	show	VERB
gp-282	106	3	that	that	SCONJ
gp-282	106	4	in	in	ADP
gp-282	106	5	general	general	ADJ
gp-282	106	6	the	the	DET
gp-282	106	7	performance	performance	NOUN
gp-282	106	8	of	of	ADP
gp-282	106	9	consumer	consumer	NOUN
gp-282	106	10	loan	loan	NOUN
gp-282	106	11	aos	aos	NOUN
gp-282	106	12	at	at	ADP
gp-282	106	13	the	the	DET
gp-282	106	14	bandung	bandung	PROPN
gp-282	106	15	region	region	PROPN
gp-282	106	16	galuh	galuh	PROPN
gp-282	106	17	bank	bank	PROPN
gp-282	106	18	office	office	NOUN
gp-282	106	19	is	be	AUX
gp-282	106	20	rated	rate	VERB
gp-282	106	21	very	very	ADV
gp-282	106	22	well	well	ADV
gp-282	106	23	by	by	ADP
gp-282	106	24	respondents	respondent	NOUN
gp-282	106	25	,	,	PUNCT
gp-282	106	26	and	and	CCONJ
gp-282	106	27	therefore	therefore	ADV
gp-282	106	28	needs	need	VERB
gp-282	106	29	to	to	PART
gp-282	106	30	be	be	AUX
gp-282	106	31	maintained	maintain	VERB
gp-282	106	32	.	.	PUNCT
gp-282	107	1	the	the	DET
gp-282	107	2	indicator	indicator	NOUN
gp-282	107	3	with	with	ADP
gp-282	107	4	the	the	DET
gp-282	107	5	highest	high	ADJ
gp-282	107	6	average	average	ADJ
gp-282	107	7	value	value	NOUN
gp-282	107	8	is	be	AUX
gp-282	107	9	found	find	VERB
gp-282	107	10	in	in	ADP
gp-282	107	11	the	the	DET
gp-282	107	12	statement	statement	NOUN
gp-282	107	13	"	"	PUNCT
gp-282	107	14	i	i	PRON
gp-282	107	15	ensure	ensure	VERB
gp-282	107	16	the	the	DET
gp-282	107	17	process	process	NOUN
gp-282	107	18	from	from	ADP
gp-282	107	19	submission	submission	NOUN
gp-282	107	20	to	to	ADP
gp-282	107	21	loan	loan	VERB
gp-282	107	22	american	american	ADJ
gp-282	107	23	journal	journal	PROPN
gp-282	107	24	of	of	ADP
gp-282	107	25	economic	economic	ADJ
gp-282	107	26	and	and	CCONJ
gp-282	107	27	management	management	NOUN
gp-282	107	28	business	business	NOUN
gp-282	107	29	vol	vol	NOUN
gp-282	107	30	.	.	PROPN
gp-282	108	1	4	4	NUM
gp-282	109	1	no	no	NOUN
gp-282	109	2	.	.	NOUN
gp-282	110	1	7	7	NUM
gp-282	110	2	july	july	PROPN
gp-282	110	3	2025	2025	NUM
gp-282	110	4	1028	1028	NUM
gp-282	110	5	disbursement	disbursement	NOUN
gp-282	110	6	is	be	AUX
gp-282	110	7	completed	complete	VERB
gp-282	110	8	on	on	ADP
gp-282	110	9	time	time	NOUN
gp-282	110	10	according	accord	VERB
gp-282	110	11	to	to	ADP
gp-282	110	12	the	the	DET
gp-282	110	13	service	service	NOUN
gp-282	110	14	target	target	NOUN
gp-282	110	15	"	"	PUNCT
gp-282	110	16	,	,	PUNCT
gp-282	110	17	with	with	ADP
gp-282	110	18	an	an	DET
gp-282	110	19	average	average	NOUN
gp-282	110	20	of	of	ADP
gp-282	110	21	4.54	4.54	NUM
gp-282	110	22	.	.	PUNCT
gp-282	111	1	this	this	DET
gp-282	111	2	finding	finding	NOUN
gp-282	111	3	reflects	reflect	VERB
gp-282	111	4	that	that	SCONJ
gp-282	111	5	employees	employee	NOUN
gp-282	111	6	have	have	VERB
gp-282	111	7	a	a	DET
gp-282	111	8	high	high	ADJ
gp-282	111	9	commitment	commitment	NOUN
gp-282	111	10	to	to	ADP
gp-282	111	11	timeliness	timeliness	NOUN
gp-282	111	12	in	in	ADP
gp-282	111	13	credit	credit	NOUN
gp-282	111	14	disbursement	disbursement	NOUN
gp-282	111	15	services	service	NOUN
gp-282	111	16	,	,	PUNCT
gp-282	111	17	which	which	PRON
gp-282	111	18	is	be	AUX
gp-282	111	19	an	an	DET
gp-282	111	20	important	important	ADJ
gp-282	111	21	part	part	NOUN
gp-282	111	22	of	of	ADP
gp-282	111	23	operational	operational	ADJ
gp-282	111	24	performance	performance	NOUN
gp-282	111	25	.	.	PUNCT
gp-282	112	1	meanwhile	meanwhile	ADV
gp-282	112	2	,	,	PUNCT
gp-282	112	3	the	the	DET
gp-282	112	4	indicator	indicator	NOUN
gp-282	112	5	with	with	ADP
gp-282	112	6	the	the	DET
gp-282	112	7	lowest	low	ADJ
gp-282	112	8	average	average	ADJ
gp-282	112	9	score	score	NOUN
gp-282	112	10	was	be	AUX
gp-282	112	11	the	the	DET
gp-282	112	12	statement	statement	NOUN
gp-282	112	13	"	"	PUNCT
gp-282	112	14	i	i	PRON
gp-282	112	15	consistently	consistently	ADV
gp-282	112	16	achieve	achieve	VERB
gp-282	112	17	or	or	CCONJ
gp-282	112	18	exceed	exceed	VERB
gp-282	112	19	the	the	DET
gp-282	112	20	target	target	NOUN
gp-282	112	21	number	number	NOUN
gp-282	112	22	of	of	ADP
gp-282	112	23	debtors	debtor	NOUN
gp-282	112	24	and	and	CCONJ
gp-282	112	25	the	the	DET
gp-282	112	26	volume	volume	NOUN
gp-282	112	27	of	of	ADP
gp-282	112	28	loans	loan	NOUN
gp-282	112	29	disbursed	disburse	VERB
gp-282	112	30	each	each	DET
gp-282	112	31	month	month	NOUN
gp-282	112	32	"	"	PUNCT
gp-282	112	33	,	,	PUNCT
gp-282	112	34	with	with	ADP
gp-282	112	35	an	an	DET
gp-282	112	36	average	average	NOUN
gp-282	112	37	of	of	ADP
gp-282	112	38	3.95	3.95	NUM
gp-282	112	39	.	.	PUNCT
gp-282	113	1	although	although	SCONJ
gp-282	113	2	in	in	ADP
gp-282	113	3	the	the	DET
gp-282	113	4	"	"	PUNCT
gp-282	113	5	good	good	ADJ
gp-282	113	6	"	"	PUNCT
gp-282	113	7	category	category	NOUN
gp-282	113	8	,	,	PUNCT
gp-282	113	9	this	this	DET
gp-282	113	10	value	value	NOUN
gp-282	113	11	is	be	AUX
gp-282	113	12	the	the	DET
gp-282	113	13	lowest	low	ADJ
gp-282	113	14	compared	compare	VERB
gp-282	113	15	to	to	ADP
gp-282	113	16	other	other	ADJ
gp-282	113	17	indicators	indicator	NOUN
gp-282	113	18	,	,	PUNCT
gp-282	113	19	so	so	SCONJ
gp-282	113	20	it	it	PRON
gp-282	113	21	needs	need	VERB
gp-282	113	22	special	special	ADJ
gp-282	113	23	attention	attention	NOUN
gp-282	113	24	,	,	PUNCT
gp-282	113	25	for	for	ADP
gp-282	113	26	example	example	NOUN
gp-282	113	27	through	through	ADP
gp-282	113	28	evaluating	evaluate	VERB
gp-282	113	29	the	the	DET
gp-282	113	30	target	target	NOUN
gp-282	113	31	burden	burden	NOUN
gp-282	113	32	set	set	NOUN
gp-282	113	33	,	,	PUNCT
gp-282	113	34	assisting	assist	VERB
gp-282	113	35	in	in	ADP
gp-282	113	36	target	target	NOUN
gp-282	113	37	achievement	achievement	NOUN
gp-282	113	38	strategies	strategy	NOUN
gp-282	113	39	,	,	PUNCT
gp-282	113	40	or	or	CCONJ
gp-282	113	41	increasing	increase	VERB
gp-282	113	42	work	work	NOUN
gp-282	113	43	efficiency	efficiency	NOUN
gp-282	113	44	to	to	PART
gp-282	113	45	support	support	VERB
gp-282	113	46	the	the	DET
gp-282	113	47	achievement	achievement	NOUN
gp-282	113	48	of	of	ADP
gp-282	113	49	more	more	ADV
gp-282	113	50	optimal	optimal	ADJ
gp-282	113	51	performance	performance	NOUN
gp-282	113	52	.	.	PUNCT
gp-282	114	1	overall	overall	ADV
gp-282	114	2	,	,	PUNCT
gp-282	114	3	these	these	DET
gp-282	114	4	results	result	NOUN
gp-282	114	5	illustrate	illustrate	VERB
gp-282	114	6	that	that	SCONJ
gp-282	114	7	consumer	consumer	NOUN
gp-282	114	8	loan	loan	NOUN
gp-282	114	9	aos	aos	PROPN
gp-282	114	10	have	have	VERB
gp-282	114	11	high	high	ADJ
gp-282	114	12	performance	performance	NOUN
gp-282	114	13	in	in	ADP
gp-282	114	14	the	the	DET
gp-282	114	15	aspects	aspect	NOUN
gp-282	114	16	of	of	ADP
gp-282	114	17	timeliness	timeliness	NOUN
gp-282	114	18	,	,	PUNCT
gp-282	114	19	document	document	NOUN
gp-282	114	20	accuracy	accuracy	NOUN
gp-282	114	21	,	,	PUNCT
gp-282	114	22	multitasking	multitaske	VERB
gp-282	114	23	ability	ability	NOUN
gp-282	114	24	,	,	PUNCT
gp-282	114	25	and	and	CCONJ
gp-282	114	26	target	target	VERB
gp-282	114	27	achievement	achievement	NOUN
gp-282	114	28	,	,	PUNCT
gp-282	114	29	but	but	CCONJ
gp-282	114	30	still	still	ADV
gp-282	114	31	require	require	VERB
gp-282	114	32	strengthening	strengthen	VERB
gp-282	114	33	on	on	ADP
gp-282	114	34	indicators	indicator	NOUN
gp-282	114	35	that	that	PRON
gp-282	114	36	have	have	VERB
gp-282	114	37	relatively	relatively	ADV
gp-282	114	38	lower	low	ADJ
gp-282	114	39	scores	score	NOUN
gp-282	114	40	to	to	PART
gp-282	114	41	maintain	maintain	VERB
gp-282	114	42	overall	overall	ADJ
gp-282	114	43	performance	performance	NOUN
gp-282	114	44	consistency	consistency	NOUN
gp-282	114	45	.	.	PUNCT
gp-282	115	1	instrument	instrument	NOUN
gp-282	115	2	testing	testing	NOUN
gp-282	115	3	validity	validity	NOUN
gp-282	115	4	test	test	VERB
gp-282	115	5	the	the	DET
gp-282	115	6	results	result	NOUN
gp-282	115	7	of	of	ADP
gp-282	115	8	the	the	DET
gp-282	115	9	validity	validity	NOUN
gp-282	115	10	test	test	NOUN
gp-282	115	11	in	in	ADP
gp-282	115	12	this	this	DET
gp-282	115	13	study	study	NOUN
gp-282	115	14	are	be	AUX
gp-282	115	15	as	as	SCONJ
gp-282	115	16	follows	follow	VERB
gp-282	115	17	:	:	PUNCT
gp-282	115	18	table	table	NOUN
gp-282	115	19	4	4	NUM
gp-282	115	20	.	.	PUNCT
gp-282	116	1	validity	validity	NOUN
gp-282	116	2	test	test	NOUN
gp-282	116	3	results	result	VERB
gp-282	116	4	variables	variable	NOUN
gp-282	116	5	indicator	indicator	NOUN
gp-282	116	6	r	r	NOUN
gp-282	116	7	count	count	NOUN
gp-282	116	8	r	r	NOUN
gp-282	116	9	table	table	NOUN
gp-282	116	10	description	description	NOUN
gp-282	116	11	competence	competence	NOUN
gp-282	116	12	(	(	PUNCT
gp-282	116	13	x1	x1	PROPN
gp-282	116	14	)	)	PUNCT
gp-282	116	15	x1.1	x1.1	PROPN
gp-282	116	16	0.678	0.678	NUM
gp-282	116	17	0.213	0.213	NUM
gp-282	116	18	valid	valid	ADJ
gp-282	116	19	x1.2	x1.2	NOUN
gp-282	116	20	0.669	0.669	NUM
gp-282	116	21	0.213	0.213	NUM
gp-282	116	22	valid	valid	ADJ
gp-282	116	23	x1.3	x1.3	PROPN
gp-282	116	24	0.775	0.775	NUM
gp-282	116	25	0.213	0.213	NUM
gp-282	116	26	valid	valid	ADJ
gp-282	116	27	x1.4	x1.4	PROPN
gp-282	116	28	0.761	0.761	NUM
gp-282	116	29	0.213	0.213	NUM
gp-282	116	30	valid	valid	ADJ
gp-282	116	31	x1.5	x1.5	NOUN
gp-282	116	32	0.620	0.620	NUM
gp-282	116	33	0.213	0.213	NUM
gp-282	116	34	valid	valid	ADJ
gp-282	116	35	work	work	NOUN
gp-282	116	36	motivation	motivation	NOUN
gp-282	116	37	(	(	PUNCT
gp-282	116	38	x2	x2	PROPN
gp-282	116	39	)	)	PUNCT
gp-282	116	40	x2.1	x2.1	VERB
gp-282	117	1	0.665	0.665	NUM
gp-282	117	2	0.213	0.213	NUM
gp-282	117	3	valid	valid	ADJ
gp-282	117	4	x2.2	x2.2	PROPN
gp-282	117	5	0.698	0.698	NUM
gp-282	117	6	0.213	0.213	NUM
gp-282	117	7	valid	valid	ADJ
gp-282	117	8	x2.3	x2.3	ADP
gp-282	117	9	0.676	0.676	NUM
gp-282	117	10	0.213	0.213	NUM
gp-282	117	11	valid	valid	ADJ
gp-282	117	12	x2.4	x2.4	ADP
gp-282	117	13	0.757	0.757	NUM
gp-282	117	14	0.213	0.213	NUM
gp-282	117	15	valid	valid	ADJ
gp-282	117	16	x2.5	x2.5	PROPN
gp-282	117	17	0.575	0.575	NUM
gp-282	117	18	0.213	0.213	NUM
gp-282	117	19	valid	valid	ADJ
gp-282	117	20	x2.6	x2.6	PROPN
gp-282	117	21	0.196	0.196	NUM
gp-282	117	22	0.213	0.213	NUM
gp-282	117	23	invalid	invalid	ADJ
gp-282	117	24	performance	performance	NOUN
gp-282	117	25	(	(	PUNCT
gp-282	117	26	y	y	NOUN
gp-282	117	27	)	)	PUNCT
gp-282	117	28	y1	y1	NOUN
gp-282	117	29	0.585	0.585	NUM
gp-282	117	30	0.213	0.213	NUM
gp-282	117	31	valid	valid	ADJ
gp-282	117	32	y2	y2	NOUN
gp-282	117	33	0.646	0.646	NUM
gp-282	117	34	0.213	0.213	NUM
gp-282	117	35	valid	valid	ADJ
gp-282	117	36	y3	y3	NOUN
gp-282	117	37	0.732	0.732	NUM
gp-282	117	38	0.213	0.213	NUM
gp-282	117	39	valid	valid	ADJ
gp-282	117	40	y4	y4	NOUN
gp-282	117	41	0.710	0.710	NUM
gp-282	117	42	0.213	0.213	NUM
gp-282	117	43	valid	valid	ADJ
gp-282	117	44	source	source	NOUN
gp-282	117	45	:	:	PUNCT
gp-282	117	46	data	datum	NOUN
gp-282	117	47	processing	processing	NOUN
gp-282	117	48	results	result	NOUN
gp-282	117	49	(	(	PUNCT
gp-282	117	50	2025	2025	NUM
gp-282	117	51	)	)	PUNCT
gp-282	117	52	based	base	VERB
gp-282	117	53	on	on	ADP
gp-282	117	54	table	table	NOUN
gp-282	117	55	4	4	NUM
gp-282	117	56	,	,	PUNCT
gp-282	117	57	the	the	DET
gp-282	117	58	validity	validity	NOUN
gp-282	117	59	test	test	NOUN
gp-282	117	60	results	result	NOUN
gp-282	117	61	show	show	VERB
gp-282	117	62	that	that	SCONJ
gp-282	117	63	there	there	PRON
gp-282	117	64	is	be	VERB
gp-282	117	65	one	one	NUM
gp-282	117	66	statement	statement	NOUN
gp-282	117	67	item	item	NOUN
gp-282	117	68	that	that	PRON
gp-282	117	69	has	have	VERB
gp-282	117	70	a	a	DET
gp-282	117	71	value	value	NOUN
gp-282	117	72	of	of	ADP
gp-282	117	73	r	r	NOUN
gp-282	117	74	count	count	NOUN
gp-282	117	75	<	<	X
gp-282	117	76	r	r	NOUN
gp-282	117	77	table	table	NOUN
gp-282	117	78	,	,	PUNCT
gp-282	117	79	so	so	SCONJ
gp-282	117	80	it	it	PRON
gp-282	117	81	can	can	AUX
gp-282	117	82	be	be	AUX
gp-282	117	83	concluded	conclude	VERB
gp-282	117	84	that	that	SCONJ
gp-282	117	85	the	the	DET
gp-282	117	86	statement	statement	NOUN
gp-282	117	87	item	item	NOUN
gp-282	117	88	x2.6	x2.6	PROPN
gp-282	117	89	is	be	AUX
gp-282	117	90	declared	declare	VERB
gp-282	117	91	invalid	invalid	ADJ
gp-282	117	92	.	.	PUNCT
gp-282	118	1	therefore	therefore	ADV
gp-282	118	2	,	,	PUNCT
gp-282	118	3	statement	statement	NOUN
gp-282	118	4	item	item	NOUN
gp-282	118	5	x2.6	x2.6	PROPN
gp-282	118	6	will	will	AUX
gp-282	118	7	be	be	AUX
gp-282	118	8	deleted	delete	VERB
gp-282	118	9	and	and	CCONJ
gp-282	118	10	the	the	DET
gp-282	118	11	latest	late	ADJ
gp-282	118	12	validity	validity	NOUN
gp-282	118	13	test	test	NOUN
gp-282	118	14	results	result	NOUN
gp-282	118	15	are	be	AUX
gp-282	118	16	as	as	SCONJ
gp-282	118	17	follows	follow	VERB
gp-282	118	18	:	:	PUNCT
gp-282	118	19	table	table	NOUN
gp-282	118	20	5	5	NUM
gp-282	118	21	.	.	PUNCT
gp-282	118	22	final	final	ADJ
gp-282	118	23	validity	validity	NOUN
gp-282	118	24	test	test	NOUN
gp-282	118	25	results	result	NOUN
gp-282	118	26	variables	variable	NOUN
gp-282	118	27	indicator	indicator	NOUN
gp-282	118	28	r	r	NOUN
gp-282	118	29	count	count	NOUN
gp-282	118	30	r	r	NOUN
gp-282	118	31	table	table	NOUN
gp-282	118	32	description	description	NOUN
gp-282	118	33	competence	competence	NOUN
gp-282	118	34	(	(	PUNCT
gp-282	118	35	x1	x1	PROPN
gp-282	118	36	)	)	PUNCT
gp-282	118	37	x1.1	x1.1	PROPN
gp-282	118	38	0.678	0.678	NUM
gp-282	118	39	0.207	0.207	NUM
gp-282	118	40	valid	valid	ADJ
gp-282	118	41	x1.2	x1.2	NOUN
gp-282	118	42	0.669	0.669	NUM
gp-282	118	43	0.207	0.207	NUM
gp-282	118	44	valid	valid	ADJ
gp-282	118	45	tiara	tiara	X
gp-282	118	46	agustina	agustina	PROPN
gp-282	118	47	,	,	PUNCT
gp-282	118	48	achmad	achmad	PROPN
gp-282	118	49	ghazali	ghazali	PROPN
gp-282	118	50	1029	1029	NUM
gp-282	118	51	variables	variable	NOUN
gp-282	118	52	indicator	indicator	NOUN
gp-282	118	53	r	r	NOUN
gp-282	118	54	count	count	NOUN
gp-282	118	55	r	r	NOUN
gp-282	118	56	table	table	NOUN
gp-282	118	57	description	description	NOUN
gp-282	118	58	x1.3	x1.3	PROPN
gp-282	118	59	0.775	0.775	NUM
gp-282	118	60	0.207	0.207	NUM
gp-282	118	61	valid	valid	ADJ
gp-282	118	62	x1.4	x1.4	PROPN
gp-282	118	63	0.761	0.761	NUM
gp-282	118	64	0.207	0.207	NUM
gp-282	118	65	valid	valid	ADJ
gp-282	118	66	x1.5	x1.5	NOUN
gp-282	118	67	0.610	0.610	NUM
gp-282	118	68	0.207	0.207	NUM
gp-282	118	69	valid	valid	ADJ
gp-282	118	70	work	work	NOUN
gp-282	118	71	motivation	motivation	NOUN
gp-282	118	72	(	(	PUNCT
gp-282	118	73	x2	x2	PROPN
gp-282	118	74	)	)	PUNCT
gp-282	118	75	x2.1	x2.1	VERB
gp-282	119	1	0.665	0.665	NUM
gp-282	119	2	0.207	0.207	NUM
gp-282	119	3	valid	valid	ADJ
gp-282	119	4	x2.2	x2.2	PROPN
gp-282	119	5	0.698	0.698	NUM
gp-282	119	6	0.207	0.207	NUM
gp-282	119	7	valid	valid	ADJ
gp-282	119	8	x2.3	x2.3	ADP
gp-282	119	9	0.676	0.676	NUM
gp-282	119	10	0.207	0.207	NUM
gp-282	119	11	valid	valid	ADJ
gp-282	119	12	x2.4	x2.4	ADP
gp-282	119	13	0.757	0.757	NUM
gp-282	119	14	0.207	0.207	NUM
gp-282	119	15	valid	valid	ADJ
gp-282	119	16	x2.5	x2.5	PROPN
gp-282	119	17	0.575	0.575	NUM
gp-282	119	18	0.207	0.207	NUM
gp-282	119	19	valid	valid	ADJ
gp-282	119	20	performance	performance	NOUN
gp-282	119	21	(	(	PUNCT
gp-282	119	22	y	y	NOUN
gp-282	119	23	)	)	PUNCT
gp-282	119	24	y1	y1	NOUN
gp-282	119	25	0.585	0.585	NUM
gp-282	119	26	0.207	0.207	NUM
gp-282	119	27	valid	valid	ADJ
gp-282	119	28	y2	y2	NOUN
gp-282	119	29	0.646	0.646	NUM
gp-282	119	30	0.207	0.207	NUM
gp-282	119	31	valid	valid	ADJ
gp-282	119	32	y3	y3	NOUN
gp-282	119	33	0.732	0.732	NUM
gp-282	119	34	0.207	0.207	NUM
gp-282	119	35	valid	valid	ADJ
gp-282	119	36	y4	y4	NOUN
gp-282	119	37	0.710	0.710	NUM
gp-282	119	38	0.207	0.207	NUM
gp-282	119	39	valid	valid	ADJ
gp-282	119	40	source	source	NOUN
gp-282	119	41	:	:	PUNCT
gp-282	119	42	data	datum	NOUN
gp-282	119	43	processing	processing	NOUN
gp-282	119	44	results	result	NOUN
gp-282	119	45	(	(	PUNCT
gp-282	119	46	2025	2025	NUM
gp-282	119	47	)	)	PUNCT
gp-282	119	48	based	base	VERB
gp-282	119	49	on	on	ADP
gp-282	119	50	table	table	NOUN
gp-282	119	51	iv.10	iv.10	NOUN
gp-282	119	52	,	,	PUNCT
gp-282	119	53	the	the	DET
gp-282	119	54	validity	validity	NOUN
gp-282	119	55	test	test	NOUN
gp-282	119	56	results	result	NOUN
gp-282	119	57	show	show	VERB
gp-282	119	58	that	that	SCONJ
gp-282	119	59	all	all	DET
gp-282	119	60	statement	statement	NOUN
gp-282	119	61	items	item	NOUN
gp-282	119	62	have	have	VERB
gp-282	119	63	a	a	DET
gp-282	119	64	value	value	NOUN
gp-282	119	65	of	of	ADP
gp-282	119	66	r	r	NOUN
gp-282	119	67	count	count	NOUN
gp-282	119	68	>	>	X
gp-282	119	69	r	r	NOUN
gp-282	119	70	table	table	NOUN
gp-282	119	71	,	,	PUNCT
gp-282	119	72	so	so	SCONJ
gp-282	119	73	it	it	PRON
gp-282	119	74	can	can	AUX
gp-282	119	75	be	be	AUX
gp-282	119	76	concluded	conclude	VERB
gp-282	119	77	that	that	SCONJ
gp-282	119	78	all	all	DET
gp-282	119	79	statement	statement	NOUN
gp-282	119	80	items	item	NOUN
gp-282	119	81	are	be	AUX
gp-282	119	82	declared	declare	VERB
gp-282	119	83	valid	valid	ADJ
gp-282	119	84	.	.	PUNCT
gp-282	120	1	reliability	reliability	NOUN
gp-282	120	2	test	test	NOUN
gp-282	120	3	the	the	DET
gp-282	120	4	results	result	NOUN
gp-282	120	5	of	of	ADP
gp-282	120	6	the	the	DET
gp-282	120	7	reliability	reliability	NOUN
gp-282	120	8	test	test	NOUN
gp-282	120	9	in	in	ADP
gp-282	120	10	this	this	DET
gp-282	120	11	study	study	NOUN
gp-282	120	12	are	be	AUX
gp-282	120	13	as	as	SCONJ
gp-282	120	14	follows	follow	VERB
gp-282	120	15	:	:	PUNCT
gp-282	120	16	table	table	NOUN
gp-282	120	17	6	6	NUM
gp-282	120	18	.	.	PUNCT
gp-282	121	1	reliability	reliability	NOUN
gp-282	121	2	test	test	NOUN
gp-282	121	3	results	result	NOUN
gp-282	121	4	variables	variable	NOUN
gp-282	121	5	cronbach	cronbach	VERB
gp-282	121	6	's	's	PART
gp-282	121	7	alpha	alpha	NOUN
gp-282	121	8	standard	standard	ADJ
gp-282	121	9	description	description	NOUN
gp-282	121	10	competence	competence	NOUN
gp-282	121	11	(	(	PUNCT
gp-282	121	12	x1	x1	PROPN
gp-282	121	13	)	)	PUNCT
gp-282	121	14	0.797	0.797	NUM
gp-282	121	15	0.70	0.70	NUM
gp-282	121	16	reliable	reliable	ADJ
gp-282	121	17	work	work	NOUN
gp-282	121	18	motivation	motivation	NOUN
gp-282	121	19	(	(	PUNCT
gp-282	121	20	x2	x2	PROPN
gp-282	121	21	)	)	PUNCT
gp-282	121	22	0.706	0.706	NUM
gp-282	121	23	0.70	0.70	NUM
gp-282	121	24	reliable	reliable	ADJ
gp-282	121	25	performance	performance	NOUN
gp-282	121	26	(	(	PUNCT
gp-282	121	27	y	y	NOUN
gp-282	121	28	)	)	PUNCT
gp-282	121	29	0.763	0.763	NUM
gp-282	121	30	0.70	0.70	NUM
gp-282	121	31	reliable	reliable	ADJ
gp-282	121	32	source	source	NOUN
gp-282	121	33	:	:	PUNCT
gp-282	121	34	data	datum	NOUN
gp-282	121	35	processing	processing	NOUN
gp-282	121	36	results	result	NOUN
gp-282	121	37	(	(	PUNCT
gp-282	121	38	2025	2025	NUM
gp-282	121	39	)	)	PUNCT
gp-282	121	40	based	base	VERB
gp-282	121	41	on	on	ADP
gp-282	121	42	table	table	NOUN
gp-282	121	43	6	6	NUM
gp-282	121	44	,	,	PUNCT
gp-282	121	45	the	the	DET
gp-282	121	46	reliability	reliability	NOUN
gp-282	121	47	test	test	NOUN
gp-282	121	48	results	result	NOUN
gp-282	121	49	show	show	VERB
gp-282	121	50	that	that	SCONJ
gp-282	121	51	all	all	DET
gp-282	121	52	variables	variable	NOUN
gp-282	121	53	have	have	VERB
gp-282	121	54	a	a	DET
gp-282	121	55	cronbach	cronbach	NOUN
gp-282	121	56	's	's	PART
gp-282	121	57	alpha	alpha	NOUN
gp-282	121	58	value	value	NOUN
gp-282	121	59	>	>	X
gp-282	122	1	0.70	0.70	NUM
gp-282	122	2	.	.	PUNCT
gp-282	123	1	so	so	ADV
gp-282	123	2	it	it	PRON
gp-282	123	3	can	can	AUX
gp-282	123	4	be	be	AUX
gp-282	123	5	concluded	conclude	VERB
gp-282	123	6	that	that	SCONJ
gp-282	123	7	all	all	DET
gp-282	123	8	variables	variable	NOUN
gp-282	123	9	are	be	AUX
gp-282	123	10	reliable	reliable	ADJ
gp-282	123	11	.	.	PUNCT
gp-282	124	1	classical	classical	ADJ
gp-282	124	2	assumption	assumption	NOUN
gp-282	124	3	test	test	NOUN
gp-282	124	4	normality	normality	NOUN
gp-282	124	5	test	test	NOUN
gp-282	124	6	the	the	DET
gp-282	124	7	results	result	NOUN
gp-282	124	8	of	of	ADP
gp-282	124	9	the	the	DET
gp-282	124	10	normality	normality	NOUN
gp-282	124	11	test	test	NOUN
gp-282	124	12	in	in	ADP
gp-282	124	13	this	this	DET
gp-282	124	14	study	study	NOUN
gp-282	124	15	are	be	AUX
gp-282	124	16	as	as	SCONJ
gp-282	124	17	follows	follow	VERB
gp-282	124	18	:	:	PUNCT
gp-282	124	19	table	table	NOUN
gp-282	124	20	7	7	NUM
gp-282	124	21	.	.	PUNCT
gp-282	124	22	normality	normality	NOUN
gp-282	124	23	test	test	NOUN
gp-282	124	24	results	result	NOUN
gp-282	124	25	test	test	NOUN
gp-282	124	26	statistic	statistic	ADJ
gp-282	124	27	asymp	asymp	NOUN
gp-282	124	28	.	.	PUNCT
gp-282	125	1	sig	sig	PROPN
gp-282	125	2	.	.	PUNCT
gp-282	126	1	(	(	PUNCT
gp-282	126	2	2	2	NUM
gp-282	126	3	-	-	PUNCT
gp-282	126	4	tailed	tailed	ADJ
gp-282	126	5	)	)	PUNCT
gp-282	126	6	description	description	NOUN
gp-282	126	7	0.097	0.097	NUM
gp-282	126	8	0.043	0.043	NUM
gp-282	126	9	not	not	PART
gp-282	126	10	normally	normally	ADV
gp-282	126	11	distributed	distribute	VERB
gp-282	126	12	source	source	NOUN
gp-282	126	13	:	:	PUNCT
gp-282	126	14	data	datum	NOUN
gp-282	126	15	processing	processing	NOUN
gp-282	126	16	results	result	NOUN
gp-282	126	17	(	(	PUNCT
gp-282	126	18	2025	2025	NUM
gp-282	126	19	)	)	PUNCT
gp-282	126	20	based	base	VERB
gp-282	126	21	on	on	ADP
gp-282	126	22	table	table	NOUN
gp-282	126	23	7	7	NUM
gp-282	126	24	,	,	PUNCT
gp-282	126	25	the	the	DET
gp-282	126	26	results	result	NOUN
gp-282	126	27	of	of	ADP
gp-282	126	28	the	the	DET
gp-282	126	29	normality	normality	NOUN
gp-282	126	30	test	test	NOUN
gp-282	126	31	using	use	VERB
gp-282	126	32	the	the	DET
gp-282	126	33	kolmogorov	kolmogorov	ADJ
gp-282	126	34	smirnov	smirnov	PROPN
gp-282	126	35	method	method	NOUN
gp-282	126	36	obtained	obtain	VERB
gp-282	126	37	the	the	DET
gp-282	126	38	significance	significance	NOUN
gp-282	126	39	results	result	NOUN
gp-282	126	40	of	of	ADP
gp-282	126	41	the	the	DET
gp-282	126	42	normality	normality	NOUN
gp-282	126	43	test	test	NOUN
gp-282	126	44	of	of	ADP
gp-282	126	45	0.043	0.043	NUM
gp-282	126	46	where	where	SCONJ
gp-282	126	47	the	the	DET
gp-282	126	48	results	result	NOUN
gp-282	126	49	are	be	AUX
gp-282	126	50	smaller	small	ADJ
gp-282	126	51	than	than	ADP
gp-282	126	52	the	the	DET
gp-282	126	53	significance	significance	NOUN
gp-282	126	54	level	level	NOUN
gp-282	126	55	of	of	ADP
gp-282	126	56	0.05	0.05	NUM
gp-282	126	57	so	so	SCONJ
gp-282	126	58	it	it	PRON
gp-282	126	59	can	can	AUX
gp-282	126	60	be	be	AUX
gp-282	126	61	concluded	conclude	VERB
gp-282	126	62	that	that	SCONJ
gp-282	126	63	the	the	DET
gp-282	126	64	normality	normality	NOUN
gp-282	126	65	test	test	NOUN
gp-282	126	66	in	in	ADP
gp-282	126	67	this	this	DET
gp-282	126	68	study	study	NOUN
gp-282	126	69	is	be	AUX
gp-282	126	70	not	not	PART
gp-282	126	71	normally	normally	ADV
gp-282	126	72	distributed	distribute	VERB
gp-282	126	73	.	.	PUNCT
gp-282	127	1	because	because	SCONJ
gp-282	127	2	the	the	DET
gp-282	127	3	data	data	NOUN
gp-282	127	4	is	be	AUX
gp-282	127	5	not	not	PART
gp-282	127	6	normally	normally	ADV
gp-282	127	7	distributed	distribute	VERB
gp-282	127	8	,	,	PUNCT
gp-282	127	9	data	datum	NOUN
gp-282	127	10	transformation	transformation	NOUN
gp-282	127	11	is	be	AUX
gp-282	127	12	carried	carry	VERB
gp-282	127	13	out	out	ADP
gp-282	127	14	using	use	VERB
gp-282	127	15	ln	ln	ADV
gp-282	127	16	and	and	CCONJ
gp-282	127	17	the	the	DET
gp-282	127	18	following	following	NOUN
gp-282	127	19	are	be	AUX
gp-282	127	20	the	the	DET
gp-282	127	21	results	result	NOUN
gp-282	127	22	of	of	ADP
gp-282	127	23	the	the	DET
gp-282	127	24	normality	normality	NOUN
gp-282	127	25	test	test	NOUN
gp-282	127	26	after	after	ADP
gp-282	127	27	data	data	NOUN
gp-282	127	28	transformation	transformation	NOUN
gp-282	127	29	:	:	PUNCT
gp-282	127	30	american	american	PROPN
gp-282	127	31	journal	journal	PROPN
gp-282	127	32	of	of	ADP
gp-282	127	33	economic	economic	ADJ
gp-282	127	34	and	and	CCONJ
gp-282	127	35	management	management	NOUN
gp-282	127	36	business	business	NOUN
gp-282	127	37	vol	vol	NOUN
gp-282	127	38	.	.	PROPN
gp-282	128	1	4	4	NUM
gp-282	128	2	no	no	NOUN
gp-282	128	3	.	.	NOUN
gp-282	129	1	7	7	NUM
gp-282	129	2	july	july	PROPN
gp-282	129	3	2025	2025	NUM
gp-282	129	4	1030	1030	NUM
gp-282	129	5	table	table	NOUN
gp-282	129	6	8	8	NUM
gp-282	129	7	.	.	PUNCT
gp-282	130	1	normality	normality	NOUN
gp-282	130	2	test	test	NOUN
gp-282	130	3	results	result	NOUN
gp-282	130	4	after	after	ADP
gp-282	130	5	data	data	NOUN
gp-282	130	6	transformation	transformation	NOUN
gp-282	130	7	test	test	NOUN
gp-282	130	8	statistic	statistic	NOUN
gp-282	130	9	asymp	asymp	NOUN
gp-282	130	10	.	.	PUNCT
gp-282	131	1	sig	sig	PROPN
gp-282	131	2	.	.	PUNCT
gp-282	132	1	(	(	PUNCT
gp-282	132	2	2	2	NUM
gp-282	132	3	-	-	PUNCT
gp-282	132	4	tailed	tailed	ADJ
gp-282	132	5	)	)	PUNCT
gp-282	132	6	description	description	NOUN
gp-282	132	7	0.090	0.090	NUM
gp-282	132	8	0.076	0.076	NUM
gp-282	132	9	normally	normally	ADV
gp-282	132	10	distributed	distribute	VERB
gp-282	132	11	source	source	NOUN
gp-282	132	12	:	:	PUNCT
gp-282	132	13	researcher	researcher	NOUN
gp-282	132	14	's	's	PART
gp-282	132	15	data	datum	NOUN
gp-282	132	16	,	,	PUNCT
gp-282	132	17	2025	2025	NUM
gp-282	132	18	based	base	VERB
gp-282	132	19	on	on	ADP
gp-282	132	20	table	table	NOUN
gp-282	132	21	8	8	NUM
gp-282	132	22	,	,	PUNCT
gp-282	132	23	the	the	DET
gp-282	132	24	results	result	NOUN
gp-282	132	25	of	of	ADP
gp-282	132	26	the	the	DET
gp-282	132	27	normality	normality	NOUN
gp-282	132	28	test	test	NOUN
gp-282	132	29	using	use	VERB
gp-282	132	30	the	the	DET
gp-282	132	31	kolmogorov	kolmogorov	ADJ
gp-282	132	32	smirnov	smirnov	PROPN
gp-282	132	33	method	method	NOUN
gp-282	132	34	obtained	obtain	VERB
gp-282	132	35	the	the	DET
gp-282	132	36	significance	significance	NOUN
gp-282	132	37	results	result	NOUN
gp-282	132	38	of	of	ADP
gp-282	132	39	the	the	DET
gp-282	132	40	normality	normality	NOUN
gp-282	132	41	test	test	NOUN
gp-282	132	42	of	of	ADP
gp-282	132	43	0.076	0.076	NUM
gp-282	132	44	where	where	SCONJ
gp-282	132	45	these	these	DET
gp-282	132	46	results	result	NOUN
gp-282	132	47	are	be	AUX
gp-282	132	48	greater	great	ADJ
gp-282	132	49	than	than	ADP
gp-282	132	50	the	the	DET
gp-282	132	51	significance	significance	NOUN
gp-282	132	52	level	level	NOUN
gp-282	132	53	of	of	ADP
gp-282	132	54	0.05	0.05	NUM
gp-282	132	55	so	so	SCONJ
gp-282	132	56	it	it	PRON
gp-282	132	57	can	can	AUX
gp-282	132	58	be	be	AUX
gp-282	132	59	concluded	conclude	VERB
gp-282	132	60	that	that	SCONJ
gp-282	132	61	the	the	DET
gp-282	132	62	data	data	NOUN
gp-282	132	63	is	be	AUX
gp-282	132	64	normally	normally	ADV
gp-282	132	65	distributed	distribute	VERB
gp-282	132	66	.	.	PUNCT
gp-282	133	1	heteroscedasticity	heteroscedasticity	NOUN
gp-282	133	2	test	test	VERB
gp-282	133	3	the	the	DET
gp-282	133	4	results	result	NOUN
gp-282	133	5	of	of	ADP
gp-282	133	6	the	the	DET
gp-282	133	7	heteroscedasticity	heteroscedasticity	NOUN
gp-282	133	8	test	test	NOUN
gp-282	133	9	in	in	ADP
gp-282	133	10	this	this	DET
gp-282	133	11	study	study	NOUN
gp-282	133	12	are	be	AUX
gp-282	133	13	as	as	SCONJ
gp-282	133	14	follows	follow	VERB
gp-282	133	15	:	:	PUNCT
gp-282	133	16	figure	figure	NOUN
gp-282	133	17	4	4	NUM
gp-282	133	18	.	.	PUNCT
gp-282	134	1	scatterplots	scatterplot	NOUN
gp-282	134	2	test	test	NOUN
gp-282	134	3	results	result	NOUN
gp-282	134	4	source	source	NOUN
gp-282	134	5	:	:	PUNCT
gp-282	134	6	researcher	researcher	NOUN
gp-282	134	7	's	's	PART
gp-282	134	8	data	datum	NOUN
gp-282	134	9	,	,	PUNCT
gp-282	134	10	2025	2025	NUM
gp-282	134	11	based	base	VERB
gp-282	134	12	on	on	ADP
gp-282	134	13	figure	figure	NOUN
gp-282	134	14	4	4	NUM
gp-282	134	15	scatterplots	scatterplot	NOUN
gp-282	134	16	test	test	NOUN
gp-282	134	17	results	result	NOUN
gp-282	134	18	above	above	ADV
gp-282	134	19	,	,	PUNCT
gp-282	134	20	it	it	PRON
gp-282	134	21	can	can	AUX
gp-282	134	22	be	be	AUX
gp-282	134	23	seen	see	VERB
gp-282	134	24	that	that	SCONJ
gp-282	134	25	the	the	DET
gp-282	134	26	data	data	NOUN
gp-282	134	27	points	point	NOUN
gp-282	134	28	spread	spread	VERB
gp-282	134	29	above	above	ADP
gp-282	134	30	and	and	CCONJ
gp-282	134	31	below	below	ADV
gp-282	134	32	or	or	CCONJ
gp-282	134	33	around	around	ADP
gp-282	134	34	the	the	DET
gp-282	134	35	number	number	NOUN
gp-282	134	36	0	0	NUM
gp-282	134	37	and	and	CCONJ
gp-282	134	38	the	the	DET
gp-282	134	39	distribution	distribution	NOUN
gp-282	134	40	of	of	ADP
gp-282	134	41	data	datum	NOUN
gp-282	134	42	points	point	NOUN
gp-282	134	43	does	do	AUX
gp-282	134	44	not	not	PART
gp-282	134	45	form	form	VERB
gp-282	134	46	a	a	DET
gp-282	134	47	pattern	pattern	NOUN
gp-282	134	48	.	.	PUNCT
gp-282	135	1	thus	thus	ADV
gp-282	135	2	it	it	PRON
gp-282	135	3	can	can	AUX
gp-282	135	4	be	be	AUX
gp-282	135	5	concluded	conclude	VERB
gp-282	135	6	that	that	SCONJ
gp-282	135	7	the	the	DET
gp-282	135	8	results	result	NOUN
gp-282	135	9	of	of	ADP
gp-282	135	10	the	the	DET
gp-282	135	11	heteroscedasticity	heteroscedasticity	NOUN
gp-282	135	12	test	test	NOUN
gp-282	135	13	show	show	VERB
gp-282	135	14	that	that	SCONJ
gp-282	135	15	there	there	PRON
gp-282	135	16	are	be	VERB
gp-282	135	17	no	no	DET
gp-282	135	18	symptoms	symptom	NOUN
gp-282	135	19	of	of	ADP
gp-282	135	20	heteroscedasticity	heteroscedasticity	NOUN
gp-282	135	21	or	or	CCONJ
gp-282	135	22	free	free	ADJ
gp-282	135	23	from	from	ADP
gp-282	135	24	heteroscedasticity	heteroscedasticity	PROPN
gp-282	135	25	.	.	PUNCT
gp-282	136	1	linearity	linearity	PROPN
gp-282	136	2	test	test	VERB
gp-282	136	3	the	the	DET
gp-282	136	4	results	result	NOUN
gp-282	136	5	of	of	ADP
gp-282	136	6	the	the	DET
gp-282	136	7	linearity	linearity	NOUN
gp-282	136	8	test	test	NOUN
gp-282	136	9	in	in	ADP
gp-282	136	10	this	this	DET
gp-282	136	11	study	study	NOUN
gp-282	136	12	are	be	AUX
gp-282	136	13	as	as	SCONJ
gp-282	136	14	follows	follow	VERB
gp-282	136	15	:	:	PUNCT
gp-282	136	16	table	table	NOUN
gp-282	136	17	9	9	NUM
gp-282	136	18	.	.	X
gp-282	137	1	linearity	linearity	NOUN
gp-282	137	2	test	test	NOUN
gp-282	137	3	results	result	VERB
gp-282	137	4	f	f	PROPN
gp-282	137	5	sig	sig	PROPN
gp-282	137	6	.	.	PUNCT
gp-282	138	1	description	description	NOUN
gp-282	138	2	0.919	0.919	NUM
gp-282	138	3	0.506	0.506	NUM
gp-282	138	4	linear	linear	PROPN
gp-282	138	5	source	source	NOUN
gp-282	138	6	:	:	PUNCT
gp-282	138	7	data	datum	NOUN
gp-282	138	8	processing	processing	NOUN
gp-282	138	9	results	result	NOUN
gp-282	138	10	(	(	PUNCT
gp-282	138	11	2025	2025	NUM
gp-282	138	12	)	)	PUNCT
gp-282	138	13	based	base	VERB
gp-282	138	14	on	on	ADP
gp-282	138	15	table	table	NOUN
gp-282	138	16	9	9	NUM
gp-282	138	17	,	,	PUNCT
gp-282	138	18	the	the	DET
gp-282	138	19	linearity	linearity	NOUN
gp-282	138	20	test	test	NOUN
gp-282	138	21	results	result	NOUN
gp-282	138	22	show	show	VERB
gp-282	138	23	that	that	SCONJ
gp-282	138	24	the	the	DET
gp-282	138	25	significance	significance	NOUN
gp-282	138	26	value	value	NOUN
gp-282	138	27	is	be	AUX
gp-282	138	28	0.506	0.506	NUM
gp-282	138	29	where	where	SCONJ
gp-282	138	30	the	the	DET
gp-282	138	31	result	result	NOUN
gp-282	138	32	is	be	AUX
gp-282	138	33	greater	great	ADJ
gp-282	138	34	than	than	ADP
gp-282	138	35	the	the	DET
gp-282	138	36	significance	significance	NOUN
gp-282	138	37	level	level	NOUN
gp-282	138	38	of	of	ADP
gp-282	138	39	0.05	0.05	NUM
gp-282	138	40	so	so	SCONJ
gp-282	138	41	it	it	PRON
gp-282	138	42	can	can	AUX
gp-282	138	43	be	be	AUX
gp-282	138	44	concluded	conclude	VERB
gp-282	138	45	that	that	SCONJ
gp-282	138	46	there	there	PRON
gp-282	138	47	is	be	VERB
gp-282	138	48	a	a	DET
gp-282	138	49	significant	significant	ADJ
gp-282	138	50	linear	linear	ADJ
gp-282	138	51	relationship	relationship	NOUN
gp-282	138	52	.	.	PUNCT
gp-282	139	1	tiara	tiara	PROPN
gp-282	139	2	agustina	agustina	PROPN
gp-282	139	3	,	,	PUNCT
gp-282	139	4	achmad	achmad	PROPN
gp-282	139	5	ghazali	ghazali	PROPN
gp-282	139	6	1031	1031	NUM
gp-282	139	7	multicollinearity	multicollinearity	NOUN
gp-282	139	8	test	test	NOUN
gp-282	139	9	the	the	DET
gp-282	139	10	results	result	NOUN
gp-282	139	11	of	of	ADP
gp-282	139	12	the	the	DET
gp-282	139	13	multicollinearity	multicollinearity	NOUN
gp-282	139	14	test	test	NOUN
gp-282	139	15	in	in	ADP
gp-282	139	16	this	this	DET
gp-282	139	17	study	study	NOUN
gp-282	139	18	are	be	AUX
gp-282	139	19	as	as	SCONJ
gp-282	139	20	follows	follow	VERB
gp-282	139	21	:	:	PUNCT
gp-282	139	22	table	table	NOUN
gp-282	139	23	10	10	NUM
gp-282	139	24	.	.	PUNCT
gp-282	140	1	multicollinearity	multicollinearity	NOUN
gp-282	140	2	test	test	NOUN
gp-282	140	3	results	result	VERB
gp-282	140	4	tolerance	tolerance	NOUN
gp-282	140	5	vif	vif	NOUN
gp-282	140	6	x1	x1	ADV
gp-282	140	7	0.785	0.785	NUM
gp-282	140	8	1.274	1.274	NUM
gp-282	140	9	x2	x2	PROPN
gp-282	140	10	0.785	0.785	NUM
gp-282	140	11	1.274	1.274	NUM
gp-282	140	12	source	source	NOUN
gp-282	140	13	:	:	PUNCT
gp-282	140	14	data	datum	NOUN
gp-282	140	15	processing	processing	NOUN
gp-282	140	16	results	result	NOUN
gp-282	140	17	(	(	PUNCT
gp-282	140	18	2025	2025	NUM
gp-282	140	19	)	)	PUNCT
gp-282	140	20	based	base	VERB
gp-282	140	21	on	on	ADP
gp-282	140	22	table	table	NOUN
gp-282	140	23	10	10	NUM
gp-282	140	24	,	,	PUNCT
gp-282	140	25	the	the	DET
gp-282	140	26	multicollinearity	multicollinearity	NOUN
gp-282	140	27	test	test	NOUN
gp-282	140	28	results	result	NOUN
gp-282	140	29	show	show	VERB
gp-282	140	30	that	that	SCONJ
gp-282	140	31	all	all	DET
gp-282	140	32	variables	variable	NOUN
gp-282	140	33	have	have	VERB
gp-282	140	34	a	a	DET
gp-282	140	35	tolerance	tolerance	NOUN
gp-282	140	36	value	value	NOUN
gp-282	140	37	>	>	X
gp-282	140	38	0.10	0.10	NUM
gp-282	140	39	and	and	CCONJ
gp-282	140	40	a	a	DET
gp-282	140	41	vif	vif	NOUN
gp-282	140	42	value	value	NOUN
gp-282	140	43	<	<	X
gp-282	140	44	10	10	NUM
gp-282	140	45	,	,	PUNCT
gp-282	140	46	it	it	PRON
gp-282	140	47	can	can	AUX
gp-282	140	48	be	be	AUX
gp-282	140	49	concluded	conclude	VERB
gp-282	140	50	that	that	SCONJ
gp-282	140	51	there	there	PRON
gp-282	140	52	are	be	VERB
gp-282	140	53	no	no	DET
gp-282	140	54	symptoms	symptom	NOUN
gp-282	140	55	of	of	ADP
gp-282	140	56	multicollinearity	multicollinearity	NOUN
gp-282	140	57	or	or	CCONJ
gp-282	140	58	free	free	ADJ
gp-282	140	59	from	from	ADP
gp-282	140	60	multicollinearity	multicollinearity	NOUN
gp-282	140	61	.	.	PUNCT
gp-282	141	1	multiple	multiple	ADJ
gp-282	141	2	linear	linear	PROPN
gp-282	141	3	regression	regression	NOUN
gp-282	141	4	test	test	NOUN
gp-282	141	5	the	the	DET
gp-282	141	6	results	result	NOUN
gp-282	141	7	of	of	ADP
gp-282	141	8	multiple	multiple	ADJ
gp-282	141	9	linear	linear	ADJ
gp-282	141	10	regression	regression	NOUN
gp-282	141	11	testing	testing	NOUN
gp-282	141	12	in	in	ADP
gp-282	141	13	this	this	DET
gp-282	141	14	study	study	NOUN
gp-282	141	15	are	be	AUX
gp-282	141	16	as	as	SCONJ
gp-282	141	17	follows	follow	VERB
gp-282	141	18	:	:	PUNCT
gp-282	141	19	table	table	NOUN
gp-282	141	20	11	11	NUM
gp-282	141	21	.	.	PUNCT
gp-282	142	1	multiple	multiple	ADJ
gp-282	142	2	linear	linear	ADJ
gp-282	142	3	regression	regression	NOUN
gp-282	142	4	unstandardized	unstandardized	ADJ
gp-282	142	5	coefficients	coefficient	NOUN
gp-282	142	6	standardized	standardize	VERB
gp-282	142	7	coefficients	coefficient	NOUN
gp-282	142	8	t	t	PROPN
gp-282	142	9	sig	sig	PROPN
gp-282	142	10	.	.	PUNCT
gp-282	143	1	b	b	X
gp-282	143	2	std	std	PROPN
gp-282	143	3	.	.	NOUN
gp-282	143	4	error	error	NOUN
gp-282	143	5	beta	beta	NOUN
gp-282	143	6	(	(	PUNCT
gp-282	143	7	constant	constant	ADJ
gp-282	143	8	)	)	PUNCT
gp-282	143	9	0.408	0.408	NUM
gp-282	143	10	0.515	0.515	NUM
gp-282	143	11	0.791	0.791	NUM
gp-282	143	12	0.431	0.431	NUM
gp-282	143	13	x1	x1	PROPN
gp-282	143	14	0.468	0.468	NUM
gp-282	143	15	0.076	0.076	NUM
gp-282	143	16	0.493	0.493	NUM
gp-282	143	17	6.188	6.188	NUM
gp-282	143	18	0.000	0.000	NUM
gp-282	143	19	x2	x2	NOUN
gp-282	143	20	0.269	0.269	NUM
gp-282	143	21	0.054	0.054	NUM
gp-282	143	22	0.396	0.396	NUM
gp-282	143	23	4.969	4.969	NUM
gp-282	143	24	0.000	0.000	NUM
gp-282	143	25	source	source	NOUN
gp-282	143	26	:	:	PUNCT
gp-282	143	27	data	datum	NOUN
gp-282	143	28	processing	processing	NOUN
gp-282	143	29	results	result	NOUN
gp-282	143	30	(	(	PUNCT
gp-282	143	31	2025	2025	NUM
gp-282	143	32	)	)	PUNCT
gp-282	143	33	based	base	VERB
gp-282	143	34	on	on	ADP
gp-282	143	35	table	table	NOUN
gp-282	143	36	11	11	NUM
gp-282	143	37	,	,	PUNCT
gp-282	143	38	a	a	DET
gp-282	143	39	multiple	multiple	ADJ
gp-282	143	40	linear	linear	ADJ
gp-282	143	41	regression	regression	NOUN
gp-282	143	42	model	model	NOUN
gp-282	143	43	or	or	CCONJ
gp-282	143	44	equation	equation	NOUN
gp-282	143	45	is	be	AUX
gp-282	143	46	obtained	obtain	VERB
gp-282	143	47	as	as	SCONJ
gp-282	143	48	follows	follow	VERB
gp-282	143	49	:	:	PUNCT
gp-282	143	50	y	y	PROPN
gp-282	143	51	=	=	PUNCT
gp-282	143	52	0.408	0.408	NUM
gp-282	143	53	+	+	CCONJ
gp-282	143	54	0.468x1	0.468x1	NOUN
gp-282	143	55	+	+	CCONJ
gp-282	143	56	0.269x2	0.269x2	NOUN
gp-282	143	57	the	the	DET
gp-282	143	58	linear	linear	ADJ
gp-282	143	59	regression	regression	NOUN
gp-282	143	60	equation	equation	NOUN
gp-282	143	61	has	have	VERB
gp-282	143	62	the	the	DET
gp-282	143	63	following	follow	VERB
gp-282	143	64	meaning	meaning	NOUN
gp-282	143	65	:	:	PUNCT
gp-282	144	1	1	1	X
gp-282	144	2	.	.	PUNCT
gp-282	144	3	the	the	DET
gp-282	144	4	constant	constant	ADJ
gp-282	144	5	(	(	PUNCT
gp-282	144	6	a	a	NOUN
gp-282	144	7	)	)	PUNCT
gp-282	144	8	of	of	ADP
gp-282	144	9	0.408	0.408	NUM
gp-282	144	10	indicates	indicate	VERB
gp-282	144	11	that	that	SCONJ
gp-282	144	12	if	if	SCONJ
gp-282	144	13	the	the	DET
gp-282	144	14	competence	competence	NOUN
gp-282	144	15	(	(	PUNCT
gp-282	144	16	x1	x1	PROPN
gp-282	144	17	)	)	PUNCT
gp-282	144	18	and	and	CCONJ
gp-282	144	19	work	work	NOUN
gp-282	144	20	motivation	motivation	NOUN
gp-282	144	21	(	(	PUNCT
gp-282	144	22	x2	x2	X
gp-282	144	23	)	)	PUNCT
gp-282	144	24	variables	variable	NOUN
gp-282	144	25	are	be	AUX
gp-282	144	26	zero	zero	NUM
gp-282	144	27	,	,	PUNCT
gp-282	144	28	the	the	DET
gp-282	144	29	performance	performance	NOUN
gp-282	144	30	(	(	PUNCT
gp-282	144	31	y	y	NOUN
gp-282	144	32	)	)	PUNCT
gp-282	144	33	value	value	NOUN
gp-282	144	34	is	be	AUX
gp-282	144	35	estimated	estimate	VERB
gp-282	144	36	at	at	ADP
gp-282	144	37	0.408	0.408	NUM
gp-282	144	38	.	.	PUNCT
gp-282	145	1	2	2	NUM
gp-282	145	2	.	.	X
gp-282	145	3	the	the	DET
gp-282	145	4	regression	regression	NOUN
gp-282	145	5	coefficient	coefficient	NOUN
gp-282	145	6	of	of	ADP
gp-282	145	7	x1	x1	PROPN
gp-282	145	8	(	(	PUNCT
gp-282	145	9	competence	competence	NOUN
gp-282	145	10	)	)	PUNCT
gp-282	145	11	of	of	ADP
gp-282	145	12	0.468	0.468	NUM
gp-282	145	13	means	mean	VERB
gp-282	145	14	that	that	SCONJ
gp-282	145	15	each	each	DET
gp-282	145	16	one	one	NUM
gp-282	145	17	unit	unit	NOUN
gp-282	145	18	increase	increase	NOUN
gp-282	145	19	in	in	ADP
gp-282	145	20	the	the	DET
gp-282	145	21	competence	competence	NOUN
gp-282	145	22	variable	variable	NOUN
gp-282	145	23	will	will	AUX
gp-282	145	24	increase	increase	VERB
gp-282	145	25	performance	performance	NOUN
gp-282	145	26	by	by	ADP
gp-282	145	27	0.468	0.468	NUM
gp-282	145	28	units	unit	NOUN
gp-282	145	29	,	,	PUNCT
gp-282	145	30	assuming	assume	VERB
gp-282	145	31	the	the	DET
gp-282	145	32	work	work	NOUN
gp-282	145	33	motivation	motivation	NOUN
gp-282	145	34	variable	variable	NOUN
gp-282	145	35	remains	remain	VERB
gp-282	145	36	constant	constant	ADJ
gp-282	145	37	.	.	PUNCT
gp-282	146	1	the	the	DET
gp-282	146	2	significance	significance	NOUN
gp-282	146	3	value	value	NOUN
gp-282	146	4	of	of	ADP
gp-282	146	5	0.000	0.000	NUM
gp-282	146	6	(	(	PUNCT
gp-282	146	7	<	<	NOUN
gp-282	146	8	0.05	0.05	NUM
gp-282	146	9	)	)	PUNCT
gp-282	146	10	indicates	indicate	VERB
gp-282	146	11	that	that	SCONJ
gp-282	146	12	this	this	DET
gp-282	146	13	effect	effect	NOUN
gp-282	146	14	is	be	AUX
gp-282	146	15	positive	positive	ADJ
gp-282	146	16	and	and	CCONJ
gp-282	146	17	statistically	statistically	ADV
gp-282	146	18	significant	significant	ADJ
gp-282	146	19	,	,	PUNCT
gp-282	146	20	so	so	SCONJ
gp-282	146	21	that	that	DET
gp-282	146	22	competence	competence	NOUN
gp-282	146	23	has	have	VERB
gp-282	146	24	a	a	DET
gp-282	146	25	real	real	ADJ
gp-282	146	26	contribution	contribution	NOUN
gp-282	146	27	to	to	ADP
gp-282	146	28	improving	improve	VERB
gp-282	146	29	performance	performance	NOUN
gp-282	146	30	.	.	PUNCT
gp-282	147	1	3	3	X
gp-282	147	2	.	.	X
gp-282	147	3	the	the	DET
gp-282	147	4	regression	regression	NOUN
gp-282	147	5	coefficient	coefficient	NOUN
gp-282	147	6	x2	x2	INTJ
gp-282	147	7	(	(	PUNCT
gp-282	147	8	work	work	NOUN
gp-282	147	9	motivation	motivation	NOUN
gp-282	147	10	)	)	PUNCT
gp-282	147	11	of	of	ADP
gp-282	147	12	0.269	0.269	NUM
gp-282	147	13	means	mean	VERB
gp-282	147	14	that	that	SCONJ
gp-282	147	15	each	each	DET
gp-282	147	16	one	one	NUM
gp-282	147	17	unit	unit	NOUN
gp-282	147	18	increase	increase	NOUN
gp-282	147	19	in	in	ADP
gp-282	147	20	the	the	DET
gp-282	147	21	work	work	NOUN
gp-282	147	22	motivation	motivation	NOUN
gp-282	147	23	variable	variable	NOUN
gp-282	147	24	will	will	AUX
gp-282	147	25	increase	increase	VERB
gp-282	147	26	performance	performance	NOUN
gp-282	147	27	by	by	ADP
gp-282	147	28	0.269	0.269	NUM
gp-282	147	29	units	unit	NOUN
gp-282	147	30	,	,	PUNCT
gp-282	147	31	assuming	assume	VERB
gp-282	147	32	the	the	DET
gp-282	147	33	competency	competency	NOUN
gp-282	147	34	variable	variable	NOUN
gp-282	147	35	is	be	AUX
gp-282	147	36	fixed	fix	VERB
gp-282	147	37	.	.	PUNCT
gp-282	148	1	the	the	DET
gp-282	148	2	significance	significance	NOUN
gp-282	148	3	value	value	NOUN
gp-282	148	4	of	of	ADP
gp-282	148	5	0.000	0.000	NUM
gp-282	148	6	(	(	PUNCT
gp-282	148	7	<	<	NOUN
gp-282	148	8	0.05	0.05	NUM
gp-282	148	9	)	)	PUNCT
gp-282	148	10	also	also	ADV
gp-282	148	11	shows	show	VERB
gp-282	148	12	that	that	SCONJ
gp-282	148	13	this	this	DET
gp-282	148	14	effect	effect	NOUN
gp-282	148	15	is	be	AUX
gp-282	148	16	positive	positive	ADJ
gp-282	148	17	and	and	CCONJ
gp-282	148	18	significant	significant	ADJ
gp-282	148	19	,	,	PUNCT
gp-282	148	20	which	which	PRON
gp-282	148	21	means	mean	VERB
gp-282	148	22	that	that	SCONJ
gp-282	148	23	work	work	NOUN
gp-282	148	24	motivation	motivation	NOUN
gp-282	148	25	also	also	ADV
gp-282	148	26	plays	play	VERB
gp-282	148	27	an	an	DET
gp-282	148	28	important	important	ADJ
gp-282	148	29	role	role	NOUN
gp-282	148	30	in	in	ADP
gp-282	148	31	influencing	influence	VERB
gp-282	148	32	performance	performance	NOUN
gp-282	148	33	.	.	PUNCT
gp-282	149	1	american	american	ADJ
gp-282	149	2	journal	journal	PROPN
gp-282	149	3	of	of	ADP
gp-282	149	4	economic	economic	ADJ
gp-282	149	5	and	and	CCONJ
gp-282	149	6	management	management	NOUN
gp-282	149	7	business	business	NOUN
gp-282	149	8	vol	vol	NOUN
gp-282	149	9	.	.	PROPN
gp-282	150	1	4	4	NUM
gp-282	150	2	no	no	NOUN
gp-282	150	3	.	.	NOUN
gp-282	151	1	7	7	NUM
gp-282	151	2	july	july	PROPN
gp-282	151	3	2025	2025	NUM
gp-282	151	4	1032	1032	NUM
gp-282	151	5	hypothesis	hypothesis	NOUN
gp-282	151	6	test	test	NOUN
gp-282	151	7	partial	partial	PROPN
gp-282	151	8	t	t	PROPN
gp-282	151	9	test	test	NOUN
gp-282	151	10	based	base	VERB
gp-282	151	11	on	on	ADP
gp-282	151	12	table	table	NOUN
gp-282	151	13	iv.16	iv.16	PROPN
gp-282	151	14	,	,	PUNCT
gp-282	151	15	it	it	PRON
gp-282	151	16	can	can	AUX
gp-282	151	17	be	be	AUX
gp-282	151	18	seen	see	VERB
gp-282	151	19	that	that	SCONJ
gp-282	151	20	the	the	DET
gp-282	151	21	effect	effect	NOUN
gp-282	151	22	of	of	ADP
gp-282	151	23	the	the	DET
gp-282	151	24	independent	independent	ADJ
gp-282	151	25	variables	variable	NOUN
gp-282	151	26	on	on	ADP
gp-282	151	27	the	the	DET
gp-282	151	28	dependent	dependent	ADJ
gp-282	151	29	variable	variable	NOUN
gp-282	151	30	partially	partially	ADV
gp-282	151	31	is	be	AUX
gp-282	151	32	as	as	SCONJ
gp-282	151	33	follows	follow	VERB
gp-282	151	34	:	:	PUNCT
gp-282	151	35	1	1	X
gp-282	151	36	.	.	X
gp-282	151	37	the	the	DET
gp-282	151	38	t	t	PROPN
gp-282	151	39	count	count	NOUN
gp-282	151	40	value	value	NOUN
gp-282	151	41	of	of	ADP
gp-282	151	42	the	the	DET
gp-282	151	43	competency	competency	NOUN
gp-282	151	44	variable	variable	NOUN
gp-282	151	45	(	(	PUNCT
gp-282	151	46	x1	x1	PROPN
gp-282	151	47	)	)	PUNCT
gp-282	151	48	is	be	AUX
gp-282	151	49	6.188	6.188	NUM
gp-282	151	50	>	>	X
gp-282	151	51	from	from	ADP
gp-282	151	52	the	the	DET
gp-282	151	53	t	t	NOUN
gp-282	151	54	table	table	NOUN
gp-282	151	55	of	of	ADP
gp-282	151	56	1.989	1.989	NUM
gp-282	151	57	and	and	CCONJ
gp-282	151	58	the	the	DET
gp-282	151	59	sig	sig	NOUN
gp-282	151	60	value	value	NOUN
gp-282	151	61	.	.	PUNCT
gp-282	152	1	0.000	0.000	NUM
gp-282	153	1	<	<	X
gp-282	153	2	0.05	0.05	NUM
gp-282	153	3	then	then	ADV
gp-282	153	4	h0is	h0i	VERB
gp-282	153	5	rejected	reject	VERB
gp-282	153	6	and	and	CCONJ
gp-282	153	7	h1is	h1is	NOUN
gp-282	153	8	accepted	accept	VERB
gp-282	153	9	.	.	PUNCT
gp-282	154	1	in	in	ADP
gp-282	154	2	other	other	ADJ
gp-282	154	3	words	word	NOUN
gp-282	154	4	,	,	PUNCT
gp-282	154	5	the	the	DET
gp-282	154	6	competency	competency	NOUN
gp-282	154	7	variable	variable	NOUN
gp-282	154	8	(	(	PUNCT
gp-282	154	9	x1	x1	PROPN
gp-282	154	10	)	)	PUNCT
gp-282	154	11	has	have	VERB
gp-282	154	12	a	a	DET
gp-282	154	13	positive	positive	ADJ
gp-282	154	14	and	and	CCONJ
gp-282	154	15	significant	significant	ADJ
gp-282	154	16	effect	effect	NOUN
gp-282	154	17	on	on	ADP
gp-282	154	18	performance	performance	NOUN
gp-282	154	19	(	(	PUNCT
gp-282	154	20	y	y	NOUN
gp-282	154	21	)	)	PUNCT
gp-282	154	22	on	on	ADP
gp-282	154	23	consumer	consumer	NOUN
gp-282	154	24	loan	loan	NOUN
gp-282	154	25	ao	ao	NOUN
gp-282	154	26	at	at	ADP
gp-282	154	27	the	the	DET
gp-282	154	28	bandung	bandung	PROPN
gp-282	154	29	region	region	PROPN
gp-282	154	30	galuh	galuh	PROPN
gp-282	154	31	bank	bank	PROPN
gp-282	154	32	office	office	NOUN
gp-282	154	33	.	.	PUNCT
gp-282	155	1	2	2	X
gp-282	155	2	.	.	X
gp-282	155	3	the	the	DET
gp-282	155	4	t	t	PROPN
gp-282	155	5	calculated	calculate	VERB
gp-282	155	6	value	value	NOUN
gp-282	155	7	of	of	ADP
gp-282	155	8	the	the	DET
gp-282	155	9	work	work	NOUN
gp-282	155	10	motivation	motivation	NOUN
gp-282	155	11	variable	variable	NOUN
gp-282	155	12	(	(	PUNCT
gp-282	155	13	x2	x2	PROPN
gp-282	155	14	)	)	PUNCT
gp-282	155	15	is	be	AUX
gp-282	155	16	4.969	4.969	NUM
gp-282	155	17	>	>	X
gp-282	155	18	from	from	ADP
gp-282	155	19	the	the	DET
gp-282	155	20	t	t	NOUN
gp-282	155	21	table	table	NOUN
gp-282	155	22	of	of	ADP
gp-282	155	23	1.989	1.989	NUM
gp-282	155	24	and	and	CCONJ
gp-282	155	25	the	the	DET
gp-282	155	26	sig	sig	NOUN
gp-282	155	27	value	value	NOUN
gp-282	155	28	.	.	PUNCT
gp-282	156	1	0.000	0.000	NUM
gp-282	157	1	<	<	X
gp-282	157	2	0.05	0.05	NUM
gp-282	157	3	then	then	ADV
gp-282	157	4	h0is	h0i	VERB
gp-282	157	5	rejected	reject	VERB
gp-282	157	6	and	and	CCONJ
gp-282	157	7	h1is	h1is	NOUN
gp-282	157	8	accepted	accept	VERB
gp-282	157	9	.	.	PUNCT
gp-282	158	1	in	in	ADP
gp-282	158	2	other	other	ADJ
gp-282	158	3	words	word	NOUN
gp-282	158	4	,	,	PUNCT
gp-282	158	5	the	the	DET
gp-282	158	6	work	work	NOUN
gp-282	158	7	motivation	motivation	NOUN
gp-282	158	8	variable	variable	NOUN
gp-282	158	9	(	(	PUNCT
gp-282	158	10	x2	x2	PROPN
gp-282	158	11	)	)	PUNCT
gp-282	158	12	has	have	VERB
gp-282	158	13	a	a	DET
gp-282	158	14	positive	positive	ADJ
gp-282	158	15	and	and	CCONJ
gp-282	158	16	significant	significant	ADJ
gp-282	158	17	effect	effect	NOUN
gp-282	158	18	on	on	ADP
gp-282	158	19	performance	performance	NOUN
gp-282	158	20	(	(	PUNCT
gp-282	158	21	y	y	NOUN
gp-282	158	22	)	)	PUNCT
gp-282	158	23	on	on	ADP
gp-282	158	24	consumer	consumer	NOUN
gp-282	158	25	loan	loan	NOUN
gp-282	158	26	ao	ao	NOUN
gp-282	158	27	at	at	ADP
gp-282	158	28	the	the	DET
gp-282	158	29	bandung	bandung	PROPN
gp-282	158	30	region	region	PROPN
gp-282	158	31	galuh	galuh	PROPN
gp-282	158	32	bank	bank	PROPN
gp-282	158	33	office	office	PROPN
gp-282	158	34	.	.	PUNCT
gp-282	159	1	simultaneous	simultaneous	ADJ
gp-282	159	2	f	f	PROPN
gp-282	159	3	test	test	NOUN
gp-282	159	4	the	the	DET
gp-282	159	5	f	f	PROPN
gp-282	159	6	test	test	NOUN
gp-282	159	7	or	or	CCONJ
gp-282	159	8	model	model	VERB
gp-282	159	9	feasibility	feasibility	NOUN
gp-282	159	10	test	test	NOUN
gp-282	159	11	is	be	AUX
gp-282	159	12	used	use	VERB
gp-282	159	13	to	to	PART
gp-282	159	14	determine	determine	VERB
gp-282	159	15	whether	whether	SCONJ
gp-282	159	16	there	there	PRON
gp-282	159	17	is	be	VERB
gp-282	159	18	a	a	DET
gp-282	159	19	simultaneous	simultaneous	ADJ
gp-282	159	20	influence	influence	NOUN
gp-282	159	21	between	between	ADP
gp-282	159	22	competence	competence	NOUN
gp-282	159	23	and	and	CCONJ
gp-282	159	24	work	work	NOUN
gp-282	159	25	motivation	motivation	NOUN
gp-282	159	26	on	on	ADP
gp-282	159	27	performance	performance	NOUN
gp-282	159	28	.	.	PUNCT
gp-282	160	1	the	the	DET
gp-282	160	2	results	result	NOUN
gp-282	160	3	of	of	ADP
gp-282	160	4	simultaneous	simultaneous	ADJ
gp-282	160	5	hypothesis	hypothesis	NOUN
gp-282	160	6	testing	testing	NOUN
gp-282	160	7	in	in	ADP
gp-282	160	8	this	this	DET
gp-282	160	9	study	study	NOUN
gp-282	160	10	are	be	AUX
gp-282	160	11	as	as	SCONJ
gp-282	160	12	follows	follow	VERB
gp-282	160	13	:	:	PUNCT
gp-282	160	14	table	table	NOUN
gp-282	160	15	12	12	NUM
gp-282	160	16	.	.	PUNCT
gp-282	161	1	f	f	PROPN
gp-282	161	2	test	test	NOUN
gp-282	161	3	results	result	VERB
gp-282	161	4	df	df	PROPN
gp-282	161	5	f	f	PROPN
gp-282	161	6	sig	sig	PROPN
gp-282	161	7	.	.	PUNCT
gp-282	162	1	regression	regression	VERB
gp-282	162	2	2	2	NUM
gp-282	162	3	58.294	58.294	NUM
gp-282	162	4	0.000	0.000	NUM
gp-282	162	5	residuals	residual	NOUN
gp-282	162	6	84	84	NUM
gp-282	162	7	total	total	ADJ
gp-282	162	8	86	86	NUM
gp-282	162	9	source	source	NOUN
gp-282	162	10	:	:	PUNCT
gp-282	162	11	data	datum	NOUN
gp-282	162	12	processing	processing	NOUN
gp-282	162	13	results	result	NOUN
gp-282	162	14	(	(	PUNCT
gp-282	162	15	2025	2025	NUM
gp-282	162	16	)	)	PUNCT
gp-282	162	17	based	base	VERB
gp-282	162	18	on	on	ADP
gp-282	162	19	table	table	NOUN
gp-282	162	20	12	12	NUM
gp-282	162	21	,	,	PUNCT
gp-282	162	22	the	the	DET
gp-282	162	23	f	f	PROPN
gp-282	162	24	test	test	NOUN
gp-282	162	25	results	result	NOUN
gp-282	162	26	produce	produce	VERB
gp-282	162	27	a	a	DET
gp-282	162	28	significance	significance	NOUN
gp-282	162	29	value	value	NOUN
gp-282	162	30	of	of	ADP
gp-282	162	31	0.000	0.000	NUM
gp-282	162	32	.	.	PUNCT
gp-282	163	1	this	this	DET
gp-282	163	2	significance	significance	NOUN
gp-282	163	3	value	value	NOUN
gp-282	163	4	is	be	AUX
gp-282	163	5	smaller	small	ADJ
gp-282	163	6	than	than	ADP
gp-282	163	7	0.05	0.05	NUM
gp-282	163	8	.	.	PUNCT
gp-282	164	1	so	so	ADV
gp-282	164	2	this	this	PRON
gp-282	164	3	shows	show	VERB
gp-282	164	4	that	that	SCONJ
gp-282	164	5	there	there	PRON
gp-282	164	6	is	be	VERB
gp-282	164	7	a	a	DET
gp-282	164	8	significant	significant	ADJ
gp-282	164	9	and	and	CCONJ
gp-282	164	10	simultaneous	simultaneous	ADJ
gp-282	164	11	influence	influence	NOUN
gp-282	164	12	between	between	ADP
gp-282	164	13	competence	competence	NOUN
gp-282	164	14	and	and	CCONJ
gp-282	164	15	work	work	NOUN
gp-282	164	16	motivation	motivation	NOUN
gp-282	164	17	on	on	ADP
gp-282	164	18	performance	performance	NOUN
gp-282	164	19	.	.	PUNCT
gp-282	165	1	test	test	NOUN
gp-282	165	2	coefficient	coefficient	NOUN
gp-282	165	3	of	of	ADP
gp-282	165	4	determination	determination	NOUN
gp-282	165	5	(	(	PUNCT
gp-282	165	6	r2	r2	PROPN
gp-282	165	7	)	)	PUNCT
gp-282	165	8	the	the	DET
gp-282	165	9	results	result	NOUN
gp-282	165	10	of	of	ADP
gp-282	165	11	the	the	DET
gp-282	165	12	coefficient	coefficient	NOUN
gp-282	165	13	of	of	ADP
gp-282	165	14	determination	determination	NOUN
gp-282	165	15	test	test	NOUN
gp-282	165	16	in	in	ADP
gp-282	165	17	this	this	DET
gp-282	165	18	study	study	NOUN
gp-282	165	19	are	be	AUX
gp-282	165	20	as	as	SCONJ
gp-282	165	21	follows	follow	VERB
gp-282	165	22	:	:	PUNCT
gp-282	165	23	table	table	NOUN
gp-282	165	24	13	13	NUM
gp-282	165	25	.	.	PUNCT
gp-282	166	1	test	test	NOUN
gp-282	166	2	results	result	NOUN
gp-282	166	3	of	of	ADP
gp-282	166	4	the	the	DET
gp-282	166	5	coefficient	coefficient	NOUN
gp-282	166	6	of	of	ADP
gp-282	166	7	determination	determination	NOUN
gp-282	166	8	(	(	PUNCT
gp-282	166	9	r2	r2	NOUN
gp-282	166	10	)	)	PUNCT
gp-282	166	11	r	r	NOUN
gp-282	166	12	r	r	NOUN
gp-282	166	13	square	square	ADJ
gp-282	166	14	adjusted	adjust	VERB
gp-282	166	15	r	r	NOUN
gp-282	166	16	square	square	ADJ
gp-282	166	17	std	std	NOUN
gp-282	166	18	.	.	PUNCT
gp-282	167	1	error	error	NOUN
gp-282	167	2	of	of	ADP
gp-282	167	3	the	the	DET
gp-282	167	4	estimate	estimate	NOUN
gp-282	167	5	0.762	0.762	NUM
gp-282	167	6	0.581	0.581	NUM
gp-282	167	7	0.571	0.571	NUM
gp-282	167	8	0.30584	0.30584	NUM
gp-282	167	9	source	source	NOUN
gp-282	167	10	:	:	PUNCT
gp-282	167	11	data	datum	NOUN
gp-282	167	12	processing	processing	NOUN
gp-282	167	13	results	result	NOUN
gp-282	167	14	(	(	PUNCT
gp-282	167	15	2025	2025	NUM
gp-282	167	16	)	)	PUNCT
gp-282	167	17	based	base	VERB
gp-282	167	18	on	on	ADP
gp-282	167	19	table	table	NOUN
gp-282	167	20	13	13	NUM
gp-282	167	21	,	,	PUNCT
gp-282	167	22	the	the	DET
gp-282	167	23	adjusted	adjust	VERB
gp-282	167	24	r	r	NOUN
gp-282	167	25	square	square	ADJ
gp-282	167	26	value	value	NOUN
gp-282	167	27	is	be	AUX
gp-282	167	28	0.571	0.571	NUM
gp-282	167	29	,	,	PUNCT
gp-282	167	30	which	which	PRON
gp-282	167	31	means	mean	VERB
gp-282	167	32	that	that	SCONJ
gp-282	167	33	57.1	57.1	NUM
gp-282	167	34	%	%	NOUN
gp-282	167	35	of	of	ADP
gp-282	167	36	the	the	DET
gp-282	167	37	variability	variability	NOUN
gp-282	167	38	in	in	ADP
gp-282	167	39	performance	performance	NOUN
gp-282	167	40	(	(	PUNCT
gp-282	167	41	y	y	NOUN
gp-282	167	42	)	)	PUNCT
gp-282	167	43	can	can	AUX
gp-282	167	44	be	be	AUX
gp-282	167	45	explained	explain	VERB
gp-282	167	46	by	by	ADP
gp-282	167	47	the	the	DET
gp-282	167	48	two	two	NUM
gp-282	167	49	independent	independent	ADJ
gp-282	167	50	variables	variable	NOUN
gp-282	167	51	,	,	PUNCT
gp-282	167	52	namely	namely	ADV
gp-282	167	53	competence	competence	NOUN
gp-282	167	54	(	(	PUNCT
gp-282	167	55	x1	x1	PROPN
gp-282	167	56	)	)	PUNCT
gp-282	167	57	and	and	CCONJ
gp-282	167	58	work	work	NOUN
gp-282	167	59	motivation	motivation	NOUN
gp-282	167	60	(	(	PUNCT
gp-282	167	61	x2	x2	NOUN
gp-282	167	62	)	)	PUNCT
gp-282	167	63	together	together	ADV
gp-282	167	64	.	.	PUNCT
gp-282	168	1	meanwhile	meanwhile	ADV
gp-282	168	2	,	,	PUNCT
gp-282	168	3	the	the	DET
gp-282	168	4	remaining	remain	VERB
gp-282	168	5	42.9	42.9	NUM
gp-282	168	6	%	%	NOUN
gp-282	168	7	is	be	AUX
gp-282	168	8	explained	explain	VERB
gp-282	168	9	by	by	ADP
gp-282	168	10	other	other	ADJ
gp-282	168	11	factors	factor	NOUN
gp-282	168	12	outside	outside	ADP
gp-282	168	13	this	this	DET
gp-282	168	14	research	research	NOUN
gp-282	168	15	model	model	NOUN
gp-282	168	16	,	,	PUNCT
gp-282	168	17	such	such	ADJ
gp-282	168	18	as	as	ADP
gp-282	168	19	employee	employee	NOUN
gp-282	168	20	engagement	engagement	NOUN
gp-282	168	21	factors	factor	NOUN
gp-282	168	22	,	,	PUNCT
gp-282	168	23	work	work	NOUN
gp-282	168	24	environment	environment	NOUN
gp-282	168	25	,	,	PUNCT
gp-282	168	26	leadership	leadership	NOUN
gp-282	168	27	,	,	PUNCT
gp-282	168	28	or	or	CCONJ
gp-282	168	29	incentive	incentive	NOUN
gp-282	168	30	systems	system	NOUN
gp-282	168	31	that	that	PRON
gp-282	168	32	are	be	AUX
gp-282	168	33	not	not	PART
gp-282	168	34	included	include	VERB
gp-282	168	35	in	in	ADP
gp-282	168	36	this	this	DET
gp-282	168	37	analysis	analysis	NOUN
gp-282	168	38	.	.	PUNCT
gp-282	169	1	the	the	DET
gp-282	169	2	coefficient	coefficient	NOUN
gp-282	169	3	of	of	ADP
gp-282	169	4	determination	determination	NOUN
gp-282	169	5	,	,	PUNCT
gp-282	169	6	which	which	PRON
gp-282	169	7	is	be	AUX
gp-282	169	8	quite	quite	ADV
gp-282	169	9	high	high	ADJ
gp-282	169	10	,	,	PUNCT
gp-282	169	11	indicates	indicate	VERB
gp-282	169	12	that	that	SCONJ
gp-282	169	13	the	the	DET
gp-282	169	14	multiple	multiple	ADJ
gp-282	169	15	regression	regression	NOUN
gp-282	169	16	model	model	NOUN
gp-282	169	17	used	use	VERB
gp-282	169	18	has	have	VERB
gp-282	169	19	good	good	ADJ
gp-282	169	20	tiara	tiara	PROPN
gp-282	169	21	agustina	agustina	PROPN
gp-282	169	22	,	,	PUNCT
gp-282	169	23	achmad	achmad	PROPN
gp-282	169	24	ghazali	ghazali	ADJ
gp-282	169	25	1033	1033	NUM
gp-282	169	26	predictive	predictive	ADJ
gp-282	169	27	ability	ability	NOUN
gp-282	169	28	,	,	PUNCT
gp-282	169	29	and	and	CCONJ
gp-282	169	30	the	the	DET
gp-282	169	31	competency	competency	NOUN
gp-282	169	32	and	and	CCONJ
gp-282	169	33	work	work	NOUN
gp-282	169	34	motivation	motivation	NOUN
gp-282	170	1	variables	variable	NOUN
gp-282	170	2	contribute	contribute	VERB
gp-282	170	3	significantly	significantly	ADV
gp-282	170	4	in	in	ADP
gp-282	170	5	explaining	explain	VERB
gp-282	170	6	the	the	DET
gp-282	170	7	performance	performance	NOUN
gp-282	170	8	of	of	ADP
gp-282	170	9	consumer	consumer	NOUN
gp-282	170	10	loan	loan	NOUN
gp-282	170	11	aos	aos	NOUN
gp-282	170	12	at	at	ADP
gp-282	170	13	the	the	DET
gp-282	170	14	bandung	bandung	PROPN
gp-282	170	15	region	region	PROPN
gp-282	170	16	galuh	galuh	PROPN
gp-282	170	17	bank	bank	PROPN
gp-282	170	18	office	office	PROPN
gp-282	170	19	.	.	PUNCT
gp-282	171	1	business	business	NOUN
gp-282	171	2	solution	solution	NOUN
gp-282	171	3	business	business	NOUN
gp-282	171	4	solution	solution	NOUN
gp-282	171	5	regarding	regard	VERB
gp-282	171	6	work	work	NOUN
gp-282	171	7	competency	competency	NOUN
gp-282	171	8	the	the	DET
gp-282	171	9	results	result	NOUN
gp-282	171	10	of	of	ADP
gp-282	171	11	descriptive	descriptive	ADJ
gp-282	171	12	tabulation	tabulation	NOUN
gp-282	171	13	on	on	ADP
gp-282	171	14	competency	competency	NOUN
gp-282	171	15	variables	variable	NOUN
gp-282	171	16	are	be	AUX
gp-282	171	17	used	use	VERB
gp-282	171	18	to	to	PART
gp-282	171	19	identify	identify	VERB
gp-282	171	20	areas	area	NOUN
gp-282	171	21	of	of	ADP
gp-282	171	22	strengthening	strengthen	VERB
gp-282	171	23	needed	need	VERB
gp-282	171	24	to	to	PART
gp-282	171	25	optimize	optimize	VERB
gp-282	171	26	the	the	DET
gp-282	171	27	performance	performance	NOUN
gp-282	171	28	of	of	ADP
gp-282	171	29	consumer	consumer	NOUN
gp-282	171	30	loan	loan	NOUN
gp-282	171	31	aos	aos	PROPN
gp-282	171	32	within	within	ADP
gp-282	171	33	bank	bank	PROPN
gp-282	171	34	galuh	galuh	PROPN
gp-282	171	35	bandung	bandung	PROPN
gp-282	171	36	region	region	NOUN
gp-282	171	37	.	.	PUNCT
gp-282	172	1	from	from	ADP
gp-282	172	2	the	the	DET
gp-282	172	3	results	result	NOUN
gp-282	172	4	of	of	ADP
gp-282	172	5	data	datum	NOUN
gp-282	172	6	processing	processing	NOUN
gp-282	172	7	involving	involve	VERB
gp-282	172	8	87	87	NUM
gp-282	172	9	respondents	respondent	NOUN
gp-282	172	10	,	,	PUNCT
gp-282	172	11	it	it	PRON
gp-282	172	12	can	can	AUX
gp-282	172	13	be	be	AUX
gp-282	172	14	seen	see	VERB
gp-282	172	15	that	that	SCONJ
gp-282	172	16	in	in	ADP
gp-282	172	17	general	general	ADJ
gp-282	172	18	the	the	DET
gp-282	172	19	competence	competence	NOUN
gp-282	172	20	of	of	ADP
gp-282	172	21	aos	aos	PROPN
gp-282	172	22	is	be	AUX
gp-282	172	23	in	in	ADP
gp-282	172	24	the	the	DET
gp-282	172	25	"	"	PUNCT
gp-282	172	26	very	very	ADV
gp-282	172	27	good	good	ADJ
gp-282	172	28	"	"	PUNCT
gp-282	172	29	category	category	NOUN
gp-282	172	30	with	with	ADP
gp-282	172	31	an	an	DET
gp-282	172	32	average	average	ADJ
gp-282	172	33	score	score	NOUN
gp-282	172	34	of	of	ADP
gp-282	172	35	4.52	4.52	NUM
gp-282	172	36	from	from	ADP
gp-282	172	37	five	five	NUM
gp-282	172	38	main	main	ADJ
gp-282	172	39	indicators	indicator	NOUN
gp-282	172	40	.	.	PUNCT
gp-282	173	1	this	this	DET
gp-282	173	2	score	score	NOUN
gp-282	173	3	reflects	reflect	VERB
gp-282	173	4	that	that	SCONJ
gp-282	173	5	the	the	DET
gp-282	173	6	majority	majority	NOUN
gp-282	173	7	of	of	ADP
gp-282	173	8	aos	aos	PROPN
gp-282	173	9	already	already	ADV
gp-282	173	10	have	have	VERB
gp-282	173	11	high	high	ADJ
gp-282	173	12	competence	competence	NOUN
gp-282	173	13	in	in	ADP
gp-282	173	14	various	various	ADJ
gp-282	173	15	aspects	aspect	NOUN
gp-282	173	16	of	of	ADP
gp-282	173	17	their	their	PRON
gp-282	173	18	work	work	NOUN
gp-282	173	19	,	,	PUNCT
gp-282	173	20	such	such	ADJ
gp-282	173	21	as	as	ADP
gp-282	173	22	achieving	achieve	VERB
gp-282	173	23	disbursement	disbursement	NOUN
gp-282	173	24	targets	target	NOUN
gp-282	173	25	,	,	PUNCT
gp-282	173	26	analytical	analytical	ADJ
gp-282	173	27	skills	skill	NOUN
gp-282	173	28	,	,	PUNCT
gp-282	173	29	understanding	understand	VERB
gp-282	173	30	customer	customer	NOUN
gp-282	173	31	needs	need	NOUN
gp-282	173	32	,	,	PUNCT
gp-282	173	33	and	and	CCONJ
gp-282	173	34	initiative	initiative	NOUN
gp-282	173	35	in	in	ADP
gp-282	173	36	handling	handle	VERB
gp-282	173	37	obstacles	obstacle	NOUN
gp-282	173	38	in	in	ADP
gp-282	173	39	the	the	DET
gp-282	173	40	field	field	NOUN
gp-282	173	41	.	.	PUNCT
gp-282	174	1	however	however	ADV
gp-282	174	2	,	,	PUNCT
gp-282	174	3	the	the	DET
gp-282	174	4	competency	competency	NOUN
gp-282	174	5	strengthening	strengthen	VERB
gp-282	174	6	approach	approach	NOUN
gp-282	174	7	is	be	AUX
gp-282	174	8	still	still	ADV
gp-282	174	9	important	important	ADJ
gp-282	174	10	.	.	PUNCT
gp-282	175	1	data	datum	NOUN
gp-282	175	2	from	from	ADP
gp-282	175	3	the	the	DET
gp-282	175	4	human	human	ADJ
gp-282	175	5	capital	capital	NOUN
gp-282	175	6	division	division	NOUN
gp-282	175	7	shows	show	VERB
gp-282	175	8	that	that	SCONJ
gp-282	175	9	there	there	PRON
gp-282	175	10	are	be	VERB
gp-282	175	11	still	still	ADV
gp-282	175	12	some	some	DET
gp-282	175	13	aos	aos	NOUN
gp-282	175	14	who	who	PRON
gp-282	175	15	fall	fall	VERB
gp-282	175	16	into	into	ADP
gp-282	175	17	the	the	DET
gp-282	175	18	"	"	PUNCT
gp-282	175	19	moderately	moderately	ADV
gp-282	175	20	competent	competent	ADJ
gp-282	175	21	"	"	PUNCT
gp-282	175	22	category	category	NOUN
gp-282	175	23	and	and	CCONJ
gp-282	175	24	even	even	ADV
gp-282	175	25	"	"	PUNCT
gp-282	175	26	less	less	ADV
gp-282	175	27	competent	competent	ADJ
gp-282	175	28	"	"	PUNCT
gp-282	175	29	.	.	PUNCT
gp-282	176	1	therefore	therefore	ADV
gp-282	176	2	,	,	PUNCT
gp-282	176	3	business	business	NOUN
gp-282	176	4	solutions	solution	NOUN
gp-282	176	5	are	be	AUX
gp-282	176	6	focused	focus	VERB
gp-282	176	7	on	on	ADP
gp-282	176	8	competency	competency	NOUN
gp-282	176	9	development	development	NOUN
gp-282	176	10	strategies	strategy	NOUN
gp-282	176	11	that	that	PRON
gp-282	176	12	suit	suit	VERB
gp-282	176	13	the	the	DET
gp-282	176	14	conditions	condition	NOUN
gp-282	176	15	of	of	ADP
gp-282	176	16	each	each	DET
gp-282	176	17	ao	ao	NOUN
gp-282	176	18	,	,	PUNCT
gp-282	176	19	as	as	ADV
gp-282	176	20	well	well	ADV
gp-282	176	21	as	as	ADP
gp-282	176	22	considering	consider	VERB
gp-282	176	23	the	the	DET
gp-282	176	24	efficiency	efficiency	NOUN
gp-282	176	25	and	and	CCONJ
gp-282	176	26	optimization	optimization	NOUN
gp-282	176	27	of	of	ADP
gp-282	176	28	company	company	NOUN
gp-282	176	29	programs	program	NOUN
gp-282	176	30	.	.	PUNCT
gp-282	177	1	program	program	NOUN
gp-282	177	2	for	for	ADP
gp-282	177	3	aos	aos	PROPN
gp-282	177	4	with	with	ADP
gp-282	177	5	"	"	PUNCT
gp-282	177	6	competent	competent	ADJ
gp-282	177	7	"	"	PUNCT
gp-282	177	8	category	category	NOUN
gp-282	177	9	aos	aos	PROPN
gp-282	177	10	who	who	PRON
gp-282	177	11	have	have	AUX
gp-282	177	12	demonstrated	demonstrate	VERB
gp-282	177	13	a	a	DET
gp-282	177	14	high	high	ADJ
gp-282	177	15	level	level	NOUN
gp-282	177	16	of	of	ADP
gp-282	177	17	competence	competence	NOUN
gp-282	177	18	are	be	AUX
gp-282	177	19	given	give	VERB
gp-282	177	20	more	more	ADJ
gp-282	177	21	room	room	NOUN
gp-282	177	22	to	to	PART
gp-282	177	23	grow	grow	VERB
gp-282	177	24	.	.	PUNCT
gp-282	178	1	some	some	DET
gp-282	178	2	initiatives	initiative	NOUN
gp-282	178	3	that	that	PRON
gp-282	178	4	can	can	AUX
gp-282	178	5	be	be	AUX
gp-282	178	6	taken	take	VERB
gp-282	178	7	to	to	PART
gp-282	178	8	maintain	maintain	VERB
gp-282	178	9	morale	morale	NOUN
gp-282	178	10	and	and	CCONJ
gp-282	178	11	continue	continue	VERB
gp-282	178	12	to	to	PART
gp-282	178	13	encourage	encourage	VERB
gp-282	178	14	the	the	DET
gp-282	178	15	growth	growth	NOUN
gp-282	178	16	of	of	ADP
gp-282	178	17	their	their	PRON
gp-282	178	18	competencies	competency	NOUN
gp-282	178	19	include	include	VERB
gp-282	178	20	:	:	PUNCT
gp-282	178	21	a.	a.	NOUN
gp-282	178	22	involving	involve	VERB
gp-282	178	23	ao	ao	PROPN
gp-282	178	24	in	in	ADP
gp-282	178	25	strategic	strategic	ADJ
gp-282	178	26	projects	project	NOUN
gp-282	178	27	competent	competent	ADJ
gp-282	178	28	aos	aos	NOUN
gp-282	178	29	need	need	VERB
gp-282	178	30	to	to	PART
gp-282	178	31	be	be	AUX
gp-282	178	32	given	give	VERB
gp-282	178	33	more	more	ADJ
gp-282	178	34	trust	trust	NOUN
gp-282	178	35	,	,	PUNCT
gp-282	178	36	by	by	ADP
gp-282	178	37	being	be	AUX
gp-282	178	38	involved	involve	VERB
gp-282	178	39	in	in	ADP
gp-282	178	40	special	special	ADJ
gp-282	178	41	projects	project	NOUN
gp-282	178	42	that	that	PRON
gp-282	178	43	are	be	AUX
gp-282	178	44	not	not	PART
gp-282	178	45	only	only	ADV
gp-282	178	46	routine	routine	ADJ
gp-282	178	47	,	,	PUNCT
gp-282	178	48	but	but	CCONJ
gp-282	178	49	also	also	ADV
gp-282	178	50	have	have	VERB
gp-282	178	51	a	a	DET
gp-282	178	52	direct	direct	ADJ
gp-282	178	53	impact	impact	NOUN
gp-282	178	54	on	on	ADP
gp-282	178	55	branch	branch	NOUN
gp-282	178	56	business	business	NOUN
gp-282	178	57	growth	growth	NOUN
gp-282	178	58	.	.	PUNCT
gp-282	179	1	one	one	NUM
gp-282	179	2	concrete	concrete	ADJ
gp-282	179	3	example	example	NOUN
gp-282	179	4	is	be	AUX
gp-282	179	5	when	when	SCONJ
gp-282	179	6	there	there	PRON
gp-282	179	7	is	be	VERB
gp-282	179	8	an	an	DET
gp-282	179	9	acceptance	acceptance	NOUN
gp-282	179	10	of	of	ADP
gp-282	179	11	a	a	DET
gp-282	179	12	new	new	ADJ
gp-282	179	13	state	state	NOUN
gp-282	179	14	civil	civil	ADJ
gp-282	179	15	apparatus	apparatus	NOUN
gp-282	179	16	(	(	PUNCT
gp-282	179	17	asn	asn	PROPN
gp-282	179	18	)	)	PUNCT
gp-282	179	19	.	.	PUNCT
gp-282	180	1	in	in	ADP
gp-282	180	2	this	this	DET
gp-282	180	3	moment	moment	NOUN
gp-282	180	4	,	,	PUNCT
gp-282	180	5	aos	aos	PROPN
gp-282	180	6	can	can	AUX
gp-282	180	7	be	be	AUX
gp-282	180	8	involved	involve	VERB
gp-282	180	9	from	from	ADP
gp-282	180	10	the	the	DET
gp-282	180	11	beginning	beginning	NOUN
gp-282	180	12	in	in	ADP
gp-282	180	13	the	the	DET
gp-282	180	14	acquisition	acquisition	NOUN
gp-282	180	15	planning	planning	NOUN
gp-282	180	16	process	process	NOUN
gp-282	180	17	,	,	PUNCT
gp-282	180	18	starting	start	VERB
gp-282	180	19	from	from	ADP
gp-282	180	20	mapping	map	VERB
gp-282	180	21	the	the	DET
gp-282	180	22	potential	potential	NOUN
gp-282	180	23	of	of	ADP
gp-282	180	24	new	new	ADJ
gp-282	180	25	asns	asns	NOUN
gp-282	180	26	as	as	ADP
gp-282	180	27	prospective	prospective	ADJ
gp-282	180	28	debtors	debtor	NOUN
gp-282	180	29	,	,	PUNCT
gp-282	180	30	developing	develop	VERB
gp-282	180	31	an	an	DET
gp-282	180	32	approach	approach	NOUN
gp-282	180	33	strategy	strategy	NOUN
gp-282	180	34	,	,	PUNCT
gp-282	180	35	determining	determine	VERB
gp-282	180	36	the	the	DET
gp-282	180	37	type	type	NOUN
gp-282	180	38	of	of	ADP
gp-282	180	39	credit	credit	NOUN
gp-282	180	40	product	product	NOUN
gp-282	180	41	that	that	PRON
gp-282	180	42	is	be	AUX
gp-282	180	43	most	most	ADV
gp-282	180	44	suitable	suitable	ADJ
gp-282	180	45	to	to	PART
gp-282	180	46	offer	offer	VERB
gp-282	180	47	,	,	PUNCT
gp-282	180	48	to	to	ADP
gp-282	180	49	compiling	compile	VERB
gp-282	180	50	offering	offer	VERB
gp-282	180	51	presentation	presentation	NOUN
gp-282	180	52	materials	material	NOUN
gp-282	180	53	.	.	PUNCT
gp-282	181	1	furthermore	furthermore	ADV
gp-282	181	2	,	,	PUNCT
gp-282	181	3	they	they	PRON
gp-282	181	4	can	can	AUX
gp-282	181	5	also	also	ADV
gp-282	181	6	be	be	AUX
gp-282	181	7	responsible	responsible	ADJ
gp-282	181	8	for	for	ADP
gp-282	181	9	carrying	carry	VERB
gp-282	181	10	out	out	ADP
gp-282	181	11	the	the	DET
gp-282	181	12	bidding	bidding	NOUN
gp-282	181	13	process	process	NOUN
gp-282	181	14	,	,	PUNCT
gp-282	181	15	assisting	assist	VERB
gp-282	181	16	up	up	ADP
gp-282	181	17	to	to	ADP
gp-282	181	18	the	the	DET
gp-282	181	19	credit	credit	NOUN
gp-282	181	20	disbursement	disbursement	NOUN
gp-282	181	21	stage	stage	NOUN
gp-282	181	22	,	,	PUNCT
gp-282	181	23	and	and	CCONJ
gp-282	181	24	finally	finally	ADV
gp-282	181	25	compiling	compile	VERB
gp-282	181	26	an	an	DET
gp-282	181	27	execution	execution	NOUN
gp-282	181	28	report	report	NOUN
gp-282	181	29	as	as	ADP
gp-282	181	30	a	a	DET
gp-282	181	31	form	form	NOUN
gp-282	181	32	of	of	ADP
gp-282	181	33	final	final	ADJ
gp-282	181	34	evaluation	evaluation	NOUN
gp-282	181	35	.	.	PUNCT
gp-282	182	1	through	through	ADP
gp-282	182	2	this	this	DET
gp-282	182	3	involvement	involvement	NOUN
gp-282	182	4	,	,	PUNCT
gp-282	182	5	aos	aos	PROPN
gp-282	182	6	not	not	PART
gp-282	182	7	only	only	ADV
gp-282	182	8	become	become	VERB
gp-282	182	9	technical	technical	ADJ
gp-282	182	10	executors	executor	NOUN
gp-282	182	11	,	,	PUNCT
gp-282	182	12	but	but	CCONJ
gp-282	182	13	also	also	ADV
gp-282	182	14	learn	learn	VERB
gp-282	182	15	to	to	PART
gp-282	182	16	think	think	VERB
gp-282	182	17	strategically	strategically	ADV
gp-282	182	18	,	,	PUNCT
gp-282	182	19	plan	plan	NOUN
gp-282	182	20	,	,	PUNCT
gp-282	182	21	and	and	CCONJ
gp-282	182	22	understand	understand	VERB
gp-282	182	23	the	the	DET
gp-282	182	24	importance	importance	NOUN
gp-282	182	25	of	of	ADP
gp-282	182	26	reporting	reporting	NOUN
gp-282	182	27	and	and	CCONJ
gp-282	182	28	evaluation	evaluation	NOUN
gp-282	182	29	.	.	PUNCT
gp-282	183	1	this	this	PRON
gp-282	183	2	will	will	AUX
gp-282	183	3	give	give	VERB
gp-282	183	4	them	they	PRON
gp-282	183	5	confidence	confidence	NOUN
gp-282	183	6	,	,	PUNCT
gp-282	183	7	strengthen	strengthen	VERB
gp-282	183	8	their	their	PRON
gp-282	183	9	attachment	attachment	NOUN
gp-282	183	10	to	to	ADP
gp-282	183	11	the	the	DET
gp-282	183	12	branch	branch	NOUN
gp-282	183	13	's	's	PART
gp-282	183	14	goals	goal	NOUN
gp-282	183	15	,	,	PUNCT
gp-282	183	16	and	and	CCONJ
gp-282	183	17	elevate	elevate	VERB
gp-282	183	18	their	their	PRON
gp-282	183	19	competencies	competency	NOUN
gp-282	183	20	to	to	ADP
gp-282	183	21	a	a	DET
gp-282	183	22	higher	high	ADJ
gp-282	183	23	level	level	NOUN
gp-282	183	24	.	.	PUNCT
gp-282	184	1	b.	b.	PROPN
gp-282	184	2	provide	provide	VERB
gp-282	184	3	access	access	NOUN
gp-282	184	4	to	to	ADP
gp-282	184	5	advanced	advanced	ADJ
gp-282	184	6	training	training	NOUN
gp-282	184	7	and	and	CCONJ
gp-282	184	8	professional	professional	ADJ
gp-282	184	9	certification	certification	NOUN
gp-282	184	10	recommend	recommend	VERB
gp-282	184	11	aos	aos	PROPN
gp-282	184	12	to	to	PART
gp-282	184	13	attend	attend	VERB
gp-282	184	14	more	more	ADJ
gp-282	184	15	in	in	ADP
gp-282	184	16	-	-	PUNCT
gp-282	184	17	depth	depth	NOUN
gp-282	184	18	trainings	training	NOUN
gp-282	184	19	.	.	PUNCT
gp-282	185	1	for	for	ADP
gp-282	185	2	example	example	NOUN
gp-282	185	3	,	,	PUNCT
gp-282	185	4	training	training	NOUN
gp-282	185	5	on	on	ADP
gp-282	185	6	digital	digital	ADJ
gp-282	185	7	credit	credit	NOUN
gp-282	185	8	scoring	scoring	NOUN
gp-282	185	9	,	,	PUNCT
gp-282	185	10	risk	risk	NOUN
gp-282	185	11	management	management	NOUN
gp-282	185	12	,	,	PUNCT
gp-282	185	13	or	or	CCONJ
gp-282	185	14	leadership	leadership	NOUN
gp-282	185	15	development	development	NOUN
gp-282	185	16	.	.	PUNCT
gp-282	186	1	c.	c.	PROPN
gp-282	186	2	make	make	VERB
gp-282	186	3	them	they	PRON
gp-282	186	4	mentors	mentor	NOUN
gp-282	186	5	for	for	ADP
gp-282	186	6	other	other	ADJ
gp-282	186	7	ao	ao	PROPN
gp-282	186	8	colleagues	colleague	NOUN
gp-282	186	9	american	american	PROPN
gp-282	186	10	journal	journal	PROPN
gp-282	186	11	of	of	ADP
gp-282	186	12	economic	economic	ADJ
gp-282	186	13	and	and	CCONJ
gp-282	186	14	management	management	NOUN
gp-282	186	15	business	business	NOUN
gp-282	186	16	vol	vol	NOUN
gp-282	186	17	.	.	PROPN
gp-282	187	1	4	4	NUM
gp-282	188	1	no	no	NOUN
gp-282	188	2	.	.	NOUN
gp-282	189	1	7	7	NUM
gp-282	189	2	july	july	PROPN
gp-282	189	3	2025	2025	NUM
gp-282	189	4	1034	1034	NUM
gp-282	189	5	in	in	ADP
gp-282	189	6	daily	daily	ADJ
gp-282	189	7	operations	operation	NOUN
gp-282	189	8	,	,	PUNCT
gp-282	189	9	the	the	DET
gp-282	189	10	placement	placement	NOUN
gp-282	189	11	of	of	ADP
gp-282	189	12	aos	aos	PROPN
gp-282	189	13	within	within	ADP
gp-282	189	14	bank	bank	PROPN
gp-282	189	15	galuh	galuh	NOUN
gp-282	189	16	is	be	AUX
gp-282	189	17	quite	quite	ADV
gp-282	189	18	dynamic	dynamic	ADJ
gp-282	189	19	.	.	PUNCT
gp-282	190	1	internal	internal	ADJ
gp-282	190	2	mutations	mutation	NOUN
gp-282	190	3	or	or	CCONJ
gp-282	190	4	the	the	DET
gp-282	190	5	addition	addition	NOUN
gp-282	190	6	of	of	ADP
gp-282	190	7	new	new	ADJ
gp-282	190	8	personnel	personnel	NOUN
gp-282	190	9	often	often	ADV
gp-282	190	10	occur	occur	VERB
gp-282	190	11	,	,	PUNCT
gp-282	190	12	especially	especially	ADV
gp-282	190	13	when	when	SCONJ
gp-282	190	14	there	there	PRON
gp-282	190	15	is	be	VERB
gp-282	190	16	branch	branch	NOUN
gp-282	190	17	expansion	expansion	NOUN
gp-282	190	18	or	or	CCONJ
gp-282	190	19	an	an	DET
gp-282	190	20	increase	increase	NOUN
gp-282	190	21	in	in	ADP
gp-282	190	22	credit	credit	NOUN
gp-282	190	23	service	service	NOUN
gp-282	190	24	needs	need	NOUN
gp-282	190	25	.	.	PUNCT
gp-282	191	1	in	in	ADP
gp-282	191	2	this	this	DET
gp-282	191	3	context	context	NOUN
gp-282	191	4	,	,	PUNCT
gp-282	191	5	aos	aos	PROPN
gp-282	191	6	who	who	PRON
gp-282	191	7	have	have	AUX
gp-282	191	8	proven	prove	VERB
gp-282	191	9	to	to	PART
gp-282	191	10	be	be	AUX
gp-282	191	11	competent	competent	ADJ
gp-282	191	12	can	can	AUX
gp-282	191	13	serve	serve	VERB
gp-282	191	14	as	as	ADP
gp-282	191	15	mentors	mentor	NOUN
gp-282	191	16	for	for	ADP
gp-282	191	17	new	new	ADJ
gp-282	191	18	aos	aos	PROPN
gp-282	191	19	who	who	PRON
gp-282	191	20	have	have	AUX
gp-282	191	21	just	just	ADV
gp-282	191	22	joined	join	VERB
gp-282	191	23	or	or	CCONJ
gp-282	191	24	have	have	AUX
gp-282	191	25	just	just	ADV
gp-282	191	26	been	be	AUX
gp-282	191	27	transferred	transfer	VERB
gp-282	191	28	to	to	ADP
gp-282	191	29	the	the	DET
gp-282	191	30	consumer	consumer	NOUN
gp-282	191	31	credit	credit	NOUN
gp-282	191	32	unit	unit	NOUN
gp-282	191	33	.	.	PUNCT
gp-282	192	1	the	the	DET
gp-282	192	2	role	role	NOUN
gp-282	192	3	of	of	ADP
gp-282	192	4	a	a	DET
gp-282	192	5	mentor	mentor	NOUN
gp-282	192	6	is	be	AUX
gp-282	192	7	not	not	PART
gp-282	192	8	only	only	ADV
gp-282	192	9	to	to	PART
gp-282	192	10	assist	assist	VERB
gp-282	192	11	in	in	ADP
gp-282	192	12	technical	technical	ADJ
gp-282	192	13	work	work	NOUN
gp-282	192	14	,	,	PUNCT
gp-282	192	15	but	but	CCONJ
gp-282	192	16	also	also	ADV
gp-282	192	17	to	to	PART
gp-282	192	18	share	share	VERB
gp-282	192	19	experiences	experience	NOUN
gp-282	192	20	,	,	PUNCT
gp-282	192	21	work	work	NOUN
gp-282	192	22	values	value	NOUN
gp-282	192	23	,	,	PUNCT
gp-282	192	24	and	and	CCONJ
gp-282	192	25	effective	effective	ADJ
gp-282	192	26	approaches	approach	NOUN
gp-282	192	27	in	in	ADP
gp-282	192	28	dealing	deal	VERB
gp-282	192	29	with	with	ADP
gp-282	192	30	various	various	ADJ
gp-282	192	31	customer	customer	NOUN
gp-282	192	32	characters	character	NOUN
gp-282	192	33	.	.	PUNCT
gp-282	193	1	by	by	ADP
gp-282	193	2	becoming	become	VERB
gp-282	193	3	a	a	DET
gp-282	193	4	mentor	mentor	NOUN
gp-282	193	5	,	,	PUNCT
gp-282	193	6	experienced	experience	VERB
gp-282	193	7	aos	aos	PROPN
gp-282	193	8	feel	feel	VERB
gp-282	193	9	more	more	ADV
gp-282	193	10	valued	value	VERB
gp-282	193	11	and	and	CCONJ
gp-282	193	12	contribute	contribute	VERB
gp-282	193	13	more	more	ADV
gp-282	193	14	broadly	broadly	ADV
gp-282	193	15	to	to	ADP
gp-282	193	16	the	the	DET
gp-282	193	17	development	development	NOUN
gp-282	193	18	of	of	ADP
gp-282	193	19	the	the	DET
gp-282	193	20	team	team	NOUN
gp-282	193	21	.	.	PUNCT
gp-282	194	1	this	this	DET
gp-282	194	2	mentoring	mentor	VERB
gp-282	194	3	activity	activity	NOUN
gp-282	194	4	is	be	AUX
gp-282	194	5	formed	form	VERB
gp-282	194	6	informally	informally	ADV
gp-282	194	7	,	,	PUNCT
gp-282	194	8	such	such	ADJ
gp-282	194	9	as	as	ADP
gp-282	194	10	regular	regular	ADJ
gp-282	194	11	discussions	discussion	NOUN
gp-282	194	12	.	.	PUNCT
gp-282	195	1	d.	d.	PROPN
gp-282	195	2	preparing	prepare	VERB
gp-282	195	3	them	they	PRON
gp-282	195	4	for	for	ADP
gp-282	195	5	the	the	DET
gp-282	195	6	leadership	leadership	NOUN
gp-282	195	7	talent	talent	NOUN
gp-282	195	8	pool	pool	NOUN
gp-282	195	9	as	as	ADP
gp-282	195	10	the	the	DET
gp-282	195	11	spearhead	spearhead	NOUN
gp-282	195	12	in	in	ADP
gp-282	195	13	the	the	DET
gp-282	195	14	consumer	consumer	NOUN
gp-282	195	15	credit	credit	NOUN
gp-282	195	16	business	business	NOUN
gp-282	195	17	,	,	PUNCT
gp-282	195	18	which	which	PRON
gp-282	195	19	is	be	AUX
gp-282	195	20	the	the	DET
gp-282	195	21	main	main	ADJ
gp-282	195	22	pillar	pillar	NOUN
gp-282	195	23	of	of	ADP
gp-282	195	24	bank	bank	PROPN
gp-282	195	25	galuh	galuh	PROPN
gp-282	195	26	,	,	PUNCT
gp-282	195	27	competent	competent	ADJ
gp-282	195	28	aos	aos	PROPN
gp-282	195	29	need	need	VERB
gp-282	195	30	to	to	PART
gp-282	195	31	be	be	AUX
gp-282	195	32	given	give	VERB
gp-282	195	33	the	the	DET
gp-282	195	34	opportunity	opportunity	NOUN
gp-282	195	35	to	to	PART
gp-282	195	36	grow	grow	VERB
gp-282	195	37	to	to	ADP
gp-282	195	38	a	a	DET
gp-282	195	39	higher	high	ADJ
gp-282	195	40	career	career	NOUN
gp-282	195	41	level	level	NOUN
gp-282	195	42	.	.	PUNCT
gp-282	196	1	one	one	NUM
gp-282	196	2	of	of	ADP
gp-282	196	3	the	the	DET
gp-282	196	4	strategic	strategic	ADJ
gp-282	196	5	steps	step	NOUN
gp-282	196	6	is	be	AUX
gp-282	196	7	to	to	PART
gp-282	196	8	include	include	VERB
gp-282	196	9	them	they	PRON
gp-282	196	10	in	in	ADP
gp-282	196	11	leadership	leadership	NOUN
gp-282	196	12	development	development	NOUN
gp-282	196	13	programs	program	NOUN
gp-282	196	14	such	such	ADJ
gp-282	196	15	as	as	ADP
gp-282	196	16	galuh	galuh	NOUN
gp-282	196	17	future	future	ADJ
gp-282	196	18	leader	leader	NOUN
gp-282	196	19	or	or	CCONJ
gp-282	196	20	ao	ao	PROPN
gp-282	196	21	development	development	NOUN
gp-282	196	22	program	program	PROPN
gp-282	196	23	.	.	PUNCT
gp-282	197	1	program	program	NOUN
gp-282	197	2	for	for	ADP
gp-282	197	3	aos	aos	PROPN
gp-282	197	4	with	with	ADP
gp-282	197	5	"	"	PUNCT
gp-282	197	6	moderate	moderate	ADJ
gp-282	197	7	and	and	CCONJ
gp-282	197	8	incompetent	incompetent	ADJ
gp-282	197	9	"	"	PUNCT
gp-282	197	10	category	category	NOUN
gp-282	197	11	for	for	ADP
gp-282	197	12	aos	aos	PROPN
gp-282	197	13	who	who	PRON
gp-282	197	14	still	still	ADV
gp-282	197	15	need	need	VERB
gp-282	197	16	competency	competency	NOUN
gp-282	197	17	strengthening	strengthening	NOUN
gp-282	197	18	,	,	PUNCT
gp-282	197	19	more	more	ADV
gp-282	197	20	personalized	personalized	ADJ
gp-282	197	21	and	and	CCONJ
gp-282	197	22	intensive	intensive	ADJ
gp-282	197	23	approach	approach	NOUN
gp-282	197	24	activities	activity	NOUN
gp-282	197	25	are	be	AUX
gp-282	197	26	carried	carry	VERB
gp-282	197	27	out	out	ADP
gp-282	197	28	,	,	PUNCT
gp-282	197	29	namely	namely	ADV
gp-282	197	30	:	:	PUNCT
gp-282	197	31	a.	a.	NOUN
gp-282	197	32	needs	need	NOUN
gp-282	197	33	-	-	PUNCT
gp-282	197	34	based	base	VERB
gp-282	197	35	core	core	NOUN
gp-282	197	36	training	train	VERB
gp-282	197	37	aos	aos	NOUN
gp-282	197	38	in	in	ADP
gp-282	197	39	this	this	DET
gp-282	197	40	category	category	NOUN
gp-282	197	41	are	be	AUX
gp-282	197	42	involved	involve	VERB
gp-282	197	43	in	in	ADP
gp-282	197	44	simulation	simulation	NOUN
gp-282	197	45	-	-	PUNCT
gp-282	197	46	based	base	VERB
gp-282	197	47	technical	technical	ADJ
gp-282	197	48	training	training	NOUN
gp-282	197	49	and	and	CCONJ
gp-282	197	50	real	real	ADJ
gp-282	197	51	case	case	NOUN
gp-282	197	52	studies	study	NOUN
gp-282	197	53	that	that	SCONJ
gp-282	197	54	they	they	PRON
gp-282	197	55	face	face	VERB
gp-282	197	56	on	on	ADP
gp-282	197	57	a	a	DET
gp-282	197	58	daily	daily	ADJ
gp-282	197	59	basis	basis	NOUN
gp-282	197	60	.	.	PUNCT
gp-282	198	1	for	for	ADP
gp-282	198	2	example	example	NOUN
gp-282	198	3	,	,	PUNCT
gp-282	198	4	training	training	NOUN
gp-282	198	5	on	on	ADP
gp-282	198	6	analyzing	analyze	VERB
gp-282	198	7	creditworthiness	creditworthiness	NOUN
gp-282	198	8	documents	document	NOUN
gp-282	198	9	,	,	PUNCT
gp-282	198	10	recognizing	recognize	VERB
gp-282	198	11	credit	credit	NOUN
gp-282	198	12	risks	risk	NOUN
gp-282	198	13	,	,	PUNCT
gp-282	198	14	and	and	CCONJ
gp-282	198	15	negotiation	negotiation	NOUN
gp-282	198	16	techniques	technique	NOUN
gp-282	198	17	with	with	ADP
gp-282	198	18	prospective	prospective	ADJ
gp-282	198	19	debtors	debtor	NOUN
gp-282	198	20	.	.	PUNCT
gp-282	199	1	the	the	DET
gp-282	199	2	focus	focus	NOUN
gp-282	199	3	is	be	AUX
gp-282	199	4	on	on	ADP
gp-282	199	5	equipping	equip	VERB
gp-282	199	6	them	they	PRON
gp-282	199	7	with	with	ADP
gp-282	199	8	skills	skill	NOUN
gp-282	199	9	that	that	PRON
gp-282	199	10	can	can	AUX
gp-282	199	11	be	be	AUX
gp-282	199	12	directly	directly	ADV
gp-282	199	13	applied	apply	VERB
gp-282	199	14	in	in	ADP
gp-282	199	15	the	the	DET
gp-282	199	16	field	field	NOUN
gp-282	199	17	.	.	PUNCT
gp-282	200	1	b.	b.	PROPN
gp-282	200	2	on	on	ADP
gp-282	200	3	-	-	PUNCT
gp-282	200	4	the	the	DET
gp-282	200	5	-	-	PUNCT
gp-282	200	6	job	job	NOUN
gp-282	200	7	mentoring	mentoring	NOUN
gp-282	200	8	activities	activity	NOUN
gp-282	200	9	are	be	AUX
gp-282	200	10	carried	carry	VERB
gp-282	200	11	out	out	ADP
gp-282	200	12	by	by	ADP
gp-282	200	13	their	their	PRON
gp-282	200	14	direct	direct	ADJ
gp-282	200	15	managers	manager	NOUN
gp-282	200	16	or	or	CCONJ
gp-282	200	17	by	by	ADP
gp-282	200	18	assigning	assign	VERB
gp-282	200	19	competent	competent	ADJ
gp-282	200	20	senior	senior	ADJ
gp-282	200	21	aos	aos	NOUN
gp-282	200	22	to	to	PART
gp-282	200	23	assist	assist	VERB
gp-282	200	24	aos	aos	PROPN
gp-282	200	25	who	who	PRON
gp-282	200	26	are	be	AUX
gp-282	200	27	in	in	ADP
gp-282	200	28	the	the	DET
gp-282	200	29	process	process	NOUN
gp-282	200	30	of	of	ADP
gp-282	200	31	improving	improve	VERB
gp-282	200	32	.	.	PUNCT
gp-282	201	1	with	with	ADP
gp-282	201	2	the	the	DET
gp-282	201	3	"	"	PUNCT
gp-282	201	4	buddy	buddy	NOUN
gp-282	201	5	system	system	NOUN
gp-282	201	6	"	"	PUNCT
gp-282	201	7	work	work	NOUN
gp-282	201	8	pattern	pattern	NOUN
gp-282	201	9	,	,	PUNCT
gp-282	201	10	the	the	DET
gp-282	201	11	knowledge	knowledge	NOUN
gp-282	201	12	transfer	transfer	NOUN
gp-282	201	13	process	process	NOUN
gp-282	201	14	will	will	AUX
gp-282	201	15	occur	occur	VERB
gp-282	201	16	naturally	naturally	ADV
gp-282	201	17	and	and	CCONJ
gp-282	201	18	in	in	ADP
gp-282	201	19	context	context	NOUN
gp-282	201	20	.	.	PUNCT
gp-282	202	1	accompanied	accompany	VERB
gp-282	202	2	aos	aos	PROPN
gp-282	202	3	will	will	AUX
gp-282	202	4	be	be	AUX
gp-282	202	5	more	more	ADV
gp-282	202	6	confident	confident	ADJ
gp-282	202	7	because	because	SCONJ
gp-282	202	8	they	they	PRON
gp-282	202	9	can	can	AUX
gp-282	202	10	learn	learn	VERB
gp-282	202	11	directly	directly	ADV
gp-282	202	12	from	from	ADP
gp-282	202	13	the	the	DET
gp-282	202	14	experience	experience	NOUN
gp-282	202	15	of	of	ADP
gp-282	202	16	their	their	PRON
gp-282	202	17	colleagues	colleague	NOUN
gp-282	202	18	.	.	PUNCT
gp-282	203	1	c.	c.	PROPN
gp-282	203	2	periodic	periodic	ADJ
gp-282	203	3	competency	competency	NOUN
gp-282	203	4	evaluation	evaluation	NOUN
gp-282	203	5	to	to	PART
gp-282	203	6	monitor	monitor	VERB
gp-282	203	7	progress	progress	NOUN
gp-282	203	8	,	,	PUNCT
gp-282	203	9	regular	regular	ADJ
gp-282	203	10	evaluations	evaluation	NOUN
gp-282	203	11	(	(	PUNCT
gp-282	203	12	e.g.	e.g.	ADV
gp-282	203	13	every	every	DET
gp-282	203	14	three	three	NUM
gp-282	203	15	months	month	NOUN
gp-282	203	16	)	)	PUNCT
gp-282	203	17	are	be	AUX
gp-282	203	18	conducted	conduct	VERB
gp-282	203	19	by	by	ADP
gp-282	203	20	the	the	DET
gp-282	203	21	direct	direct	ADJ
gp-282	203	22	manager	manager	NOUN
gp-282	203	23	.	.	PUNCT
gp-282	204	1	evaluation	evaluation	NOUN
gp-282	204	2	results	result	NOUN
gp-282	204	3	can	can	AUX
gp-282	204	4	be	be	AUX
gp-282	204	5	used	use	VERB
gp-282	204	6	to	to	PART
gp-282	204	7	develop	develop	VERB
gp-282	204	8	personal	personal	ADJ
gp-282	204	9	learning	learning	NOUN
gp-282	204	10	plans	plan	NOUN
gp-282	204	11	and	and	CCONJ
gp-282	204	12	provide	provide	VERB
gp-282	204	13	constructive	constructive	ADJ
gp-282	204	14	feedback	feedback	NOUN
gp-282	204	15	.	.	PUNCT
gp-282	205	1	d.	d.	PROPN
gp-282	205	2	credit	credit	PROPN
gp-282	205	3	simulation	simulation	NOUN
gp-282	205	4	and	and	CCONJ
gp-282	205	5	role	role	NOUN
gp-282	205	6	play	play	VERB
gp-282	205	7	this	this	DET
gp-282	205	8	activity	activity	NOUN
gp-282	205	9	provides	provide	VERB
gp-282	205	10	hands	hand	NOUN
gp-282	205	11	-	-	PUNCT
gp-282	205	12	on	on	ADP
gp-282	205	13	experience	experience	NOUN
gp-282	205	14	for	for	SCONJ
gp-282	205	15	aos	aos	PROPN
gp-282	205	16	to	to	PART
gp-282	205	17	handle	handle	VERB
gp-282	205	18	work	work	NOUN
gp-282	205	19	scenarios	scenario	NOUN
gp-282	205	20	in	in	ADP
gp-282	205	21	the	the	DET
gp-282	205	22	form	form	NOUN
gp-282	205	23	of	of	ADP
gp-282	205	24	simulations	simulation	NOUN
gp-282	205	25	,	,	PUNCT
gp-282	205	26	starting	start	VERB
gp-282	205	27	from	from	ADP
gp-282	205	28	the	the	DET
gp-282	205	29	initial	initial	ADJ
gp-282	205	30	stage	stage	NOUN
gp-282	205	31	of	of	ADP
gp-282	205	32	credit	credit	NOUN
gp-282	205	33	application	application	NOUN
gp-282	205	34	to	to	ADP
gp-282	205	35	disbursement	disbursement	NOUN
gp-282	205	36	.	.	PUNCT
gp-282	206	1	through	through	ADP
gp-282	206	2	this	this	DET
gp-282	206	3	role	role	NOUN
gp-282	206	4	play	play	NOUN
gp-282	206	5	,	,	PUNCT
gp-282	206	6	aos	aos	PROPN
gp-282	206	7	can	can	AUX
gp-282	206	8	learn	learn	VERB
gp-282	206	9	to	to	PART
gp-282	206	10	deal	deal	VERB
gp-282	206	11	with	with	ADP
gp-282	206	12	various	various	ADJ
gp-282	206	13	types	type	NOUN
gp-282	206	14	of	of	ADP
gp-282	206	15	customers	customer	NOUN
gp-282	206	16	and	and	CCONJ
gp-282	206	17	complex	complex	ADJ
gp-282	206	18	credit	credit	NOUN
gp-282	206	19	conditions	condition	NOUN
gp-282	206	20	.	.	PUNCT
gp-282	207	1	cross	cross	ADJ
gp-282	207	2	-	-	ADJ
gp-282	207	3	divisional	divisional	ADJ
gp-282	207	4	collaboration	collaboration	NOUN
gp-282	207	5	and	and	CCONJ
gp-282	207	6	sustainable	sustainable	ADJ
gp-282	207	7	approach	approach	NOUN
gp-282	207	8	there	there	PRON
gp-282	207	9	is	be	VERB
gp-282	207	10	a	a	DET
gp-282	207	11	synergy	synergy	NOUN
gp-282	207	12	between	between	ADP
gp-282	207	13	the	the	DET
gp-282	207	14	consumer	consumer	NOUN
gp-282	207	15	credit	credit	NOUN
gp-282	207	16	division	division	NOUN
gp-282	207	17	and	and	CCONJ
gp-282	207	18	human	human	ADJ
gp-282	207	19	capital	capital	NOUN
gp-282	207	20	so	so	SCONJ
gp-282	207	21	that	that	SCONJ
gp-282	207	22	this	this	DET
gp-282	207	23	competency	competency	NOUN
gp-282	207	24	development	development	NOUN
gp-282	207	25	program	program	NOUN
gp-282	207	26	runs	run	VERB
gp-282	207	27	effectively	effectively	ADV
gp-282	207	28	.	.	PUNCT
gp-282	208	1	this	this	DET
gp-282	208	2	program	program	NOUN
gp-282	208	3	is	be	AUX
gp-282	208	4	developed	develop	VERB
gp-282	208	5	on	on	ADP
gp-282	208	6	an	an	DET
gp-282	208	7	ongoing	ongoing	ADJ
gp-282	208	8	basis	basis	NOUN
gp-282	208	9	and	and	CCONJ
gp-282	208	10	evaluated	evaluate	VERB
gp-282	208	11	periodically	periodically	ADV
gp-282	208	12	.	.	PUNCT
gp-282	209	1	with	with	ADP
gp-282	209	2	a	a	DET
gp-282	209	3	customized	customize	VERB
gp-282	209	4	strategy	strategy	NOUN
gp-282	209	5	based	base	VERB
gp-282	209	6	on	on	ADP
gp-282	209	7	ao	ao	PROPN
gp-282	209	8	competency	competency	NOUN
gp-282	209	9	level	level	NOUN
gp-282	209	10	,	,	PUNCT
gp-282	209	11	bank	bank	NOUN
gp-282	209	12	tiara	tiara	PROPN
gp-282	209	13	agustina	agustina	PROPN
gp-282	209	14	,	,	PUNCT
gp-282	209	15	achmad	achmad	PROPN
gp-282	209	16	ghazali	ghazali	PROPN
gp-282	209	17	1035	1035	NUM
gp-282	209	18	galuh	galuh	NOUN
gp-282	209	19	not	not	PART
gp-282	209	20	only	only	ADV
gp-282	209	21	maintains	maintain	VERB
gp-282	209	22	consumer	consumer	NOUN
gp-282	209	23	credit	credit	NOUN
gp-282	209	24	performance	performance	NOUN
gp-282	209	25	,	,	PUNCT
gp-282	209	26	but	but	CCONJ
gp-282	209	27	also	also	ADV
gp-282	209	28	encourages	encourage	VERB
gp-282	209	29	the	the	DET
gp-282	209	30	growth	growth	NOUN
gp-282	209	31	of	of	ADP
gp-282	209	32	more	more	ADV
gp-282	209	33	resilient	resilient	ADJ
gp-282	209	34	human	human	ADJ
gp-282	209	35	resource	resource	NOUN
gp-282	209	36	quality	quality	NOUN
gp-282	209	37	.	.	PUNCT
gp-282	210	1	business	business	NOUN
gp-282	210	2	solution	solution	NOUN
gp-282	210	3	regarding	regard	VERB
gp-282	210	4	work	work	NOUN
gp-282	210	5	motivation	motivation	NOUN
gp-282	210	6	the	the	DET
gp-282	210	7	tabulated	tabulate	VERB
gp-282	210	8	results	result	NOUN
gp-282	210	9	of	of	ADP
gp-282	210	10	descriptive	descriptive	ADJ
gp-282	210	11	research	research	NOUN
gp-282	210	12	are	be	AUX
gp-282	210	13	used	use	VERB
gp-282	210	14	to	to	PART
gp-282	210	15	determine	determine	VERB
gp-282	210	16	the	the	DET
gp-282	210	17	business	business	NOUN
gp-282	210	18	problems	problem	NOUN
gp-282	210	19	that	that	PRON
gp-282	210	20	occur	occur	VERB
gp-282	210	21	in	in	ADP
gp-282	210	22	work	work	NOUN
gp-282	210	23	motivation	motivation	NOUN
gp-282	210	24	variables	variable	NOUN
gp-282	210	25	so	so	SCONJ
gp-282	210	26	that	that	SCONJ
gp-282	210	27	they	they	PRON
gp-282	210	28	can	can	AUX
gp-282	210	29	be	be	AUX
gp-282	210	30	used	use	VERB
gp-282	210	31	as	as	ADP
gp-282	210	32	a	a	DET
gp-282	210	33	reference	reference	NOUN
gp-282	210	34	to	to	PART
gp-282	210	35	improve	improve	VERB
gp-282	210	36	ao	ao	NOUN
gp-282	210	37	performance	performance	NOUN
gp-282	210	38	at	at	ADP
gp-282	210	39	bank	bank	PROPN
gp-282	210	40	galuh	galuh	PROPN
gp-282	210	41	branch	branch	PROPN
gp-282	210	42	office	office	NOUN
gp-282	210	43	in	in	ADP
gp-282	210	44	bandung	bandung	PROPN
gp-282	210	45	region	region	NOUN
gp-282	210	46	.	.	PUNCT
gp-282	211	1	overall	overall	ADV
gp-282	211	2	,	,	PUNCT
gp-282	211	3	the	the	DET
gp-282	211	4	results	result	NOUN
gp-282	211	5	obtained	obtain	VERB
gp-282	211	6	show	show	VERB
gp-282	211	7	that	that	SCONJ
gp-282	211	8	the	the	DET
gp-282	211	9	average	average	ADJ
gp-282	211	10	score	score	NOUN
gp-282	211	11	obtained	obtain	VERB
gp-282	211	12	is	be	AUX
gp-282	211	13	in	in	ADP
gp-282	211	14	the	the	DET
gp-282	211	15	"	"	PUNCT
gp-282	211	16	good	good	ADJ
gp-282	211	17	"	"	PUNCT
gp-282	211	18	category	category	NOUN
gp-282	211	19	.	.	PUNCT
gp-282	212	1	there	there	PRON
gp-282	212	2	are	be	VERB
gp-282	212	3	6	6	NUM
gp-282	212	4	(	(	PUNCT
gp-282	212	5	six	six	NUM
gp-282	212	6	)	)	PUNCT
gp-282	212	7	questions	question	NOUN
gp-282	212	8	asked	ask	VERB
gp-282	212	9	by	by	ADP
gp-282	212	10	researchers	researcher	NOUN
gp-282	212	11	to	to	PART
gp-282	212	12	determine	determine	VERB
gp-282	212	13	the	the	DET
gp-282	212	14	work	work	NOUN
gp-282	212	15	motivation	motivation	NOUN
gp-282	212	16	of	of	ADP
gp-282	212	17	ao	ao	PROPN
gp-282	212	18	at	at	ADP
gp-282	212	19	bank	bank	PROPN
gp-282	212	20	galuh	galuh	PROPN
gp-282	212	21	branch	branch	PROPN
gp-282	212	22	office	office	NOUN
gp-282	212	23	in	in	ADP
gp-282	212	24	bandung	bandung	PROPN
gp-282	212	25	region	region	NOUN
gp-282	212	26	.	.	PUNCT
gp-282	213	1	in	in	ADP
gp-282	213	2	the	the	DET
gp-282	213	3	descriptive	descriptive	ADJ
gp-282	213	4	analysis	analysis	NOUN
gp-282	213	5	of	of	ADP
gp-282	213	6	consumer	consumer	NOUN
gp-282	213	7	responses	response	NOUN
gp-282	213	8	to	to	ADP
gp-282	213	9	work	work	NOUN
gp-282	213	10	motivation	motivation	NOUN
gp-282	213	11	,	,	PUNCT
gp-282	213	12	an	an	DET
gp-282	213	13	average	average	ADJ
gp-282	213	14	total	total	ADJ
gp-282	213	15	score	score	NOUN
gp-282	213	16	of	of	ADP
gp-282	213	17	4.06	4.06	NUM
gp-282	213	18	was	be	AUX
gp-282	213	19	obtained	obtain	VERB
gp-282	213	20	,	,	PUNCT
gp-282	213	21	which	which	PRON
gp-282	213	22	is	be	AUX
gp-282	213	23	categorized	categorize	VERB
gp-282	213	24	on	on	ADP
gp-282	213	25	a	a	DET
gp-282	213	26	continuum	continuum	ADJ
gp-282	213	27	line	line	NOUN
gp-282	213	28	,	,	PUNCT
gp-282	213	29	which	which	PRON
gp-282	213	30	is	be	AUX
gp-282	213	31	in	in	ADP
gp-282	213	32	the	the	DET
gp-282	213	33	"	"	PUNCT
gp-282	213	34	good	good	ADJ
gp-282	213	35	"	"	PUNCT
gp-282	213	36	position	position	NOUN
gp-282	213	37	,	,	PUNCT
gp-282	213	38	because	because	SCONJ
gp-282	213	39	it	it	PRON
gp-282	213	40	is	be	AUX
gp-282	213	41	in	in	ADP
gp-282	213	42	the	the	DET
gp-282	213	43	average	average	ADJ
gp-282	213	44	score	score	NOUN
gp-282	213	45	between	between	ADP
gp-282	213	46	3.41	3.41	NUM
gp-282	213	47	-	-	SYM
gp-282	213	48	4.20	4.20	NUM
gp-282	213	49	.	.	PUNCT
gp-282	214	1	the	the	DET
gp-282	214	2	one	one	NUM
gp-282	214	3	question	question	NOUN
gp-282	214	4	item	item	NOUN
gp-282	214	5	that	that	PRON
gp-282	214	6	had	have	VERB
gp-282	214	7	the	the	DET
gp-282	214	8	lowest	low	ADJ
gp-282	214	9	score	score	NOUN
gp-282	214	10	was	be	AUX
gp-282	214	11	the	the	DET
gp-282	214	12	third	third	ADJ
gp-282	214	13	item	item	NOUN
gp-282	214	14	,	,	PUNCT
gp-282	214	15	where	where	SCONJ
gp-282	214	16	respondents	respondent	NOUN
gp-282	214	17	felt	feel	VERB
gp-282	214	18	that	that	SCONJ
gp-282	214	19	they	they	PRON
gp-282	214	20	were	be	AUX
gp-282	214	21	not	not	PART
gp-282	214	22	given	give	VERB
gp-282	214	23	full	full	ADJ
gp-282	214	24	trust	trust	NOUN
gp-282	214	25	to	to	PART
gp-282	214	26	manage	manage	VERB
gp-282	214	27	the	the	DET
gp-282	214	28	entire	entire	ADJ
gp-282	214	29	loan	loan	NOUN
gp-282	214	30	disbursement	disbursement	NOUN
gp-282	214	31	process	process	NOUN
gp-282	214	32	without	without	ADP
gp-282	214	33	continuous	continuous	ADJ
gp-282	214	34	supervision	supervision	NOUN
gp-282	214	35	(	(	PUNCT
gp-282	214	36	score	score	NOUN
gp-282	214	37	3.45	3.45	NUM
gp-282	214	38	)	)	PUNCT
gp-282	214	39	.	.	PUNCT
gp-282	215	1	aos	aos	PROPN
gp-282	215	2	should	should	AUX
gp-282	215	3	be	be	AUX
gp-282	215	4	given	give	VERB
gp-282	215	5	trust	trust	NOUN
gp-282	215	6	,	,	PUNCT
gp-282	215	7	creating	create	VERB
gp-282	215	8	empowerment	empowerment	NOUN
gp-282	215	9	and	and	CCONJ
gp-282	215	10	autonomy	autonomy	NOUN
gp-282	215	11	in	in	ADP
gp-282	215	12	their	their	PRON
gp-282	215	13	work	work	NOUN
gp-282	215	14	.	.	PUNCT
gp-282	216	1	this	this	PRON
gp-282	216	2	is	be	AUX
gp-282	216	3	important	important	ADJ
gp-282	216	4	to	to	PART
gp-282	216	5	build	build	VERB
gp-282	216	6	a	a	DET
gp-282	216	7	sense	sense	NOUN
gp-282	216	8	of	of	ADP
gp-282	216	9	responsibility	responsibility	NOUN
gp-282	216	10	,	,	PUNCT
gp-282	216	11	initiative	initiative	NOUN
gp-282	216	12	,	,	PUNCT
gp-282	216	13	and	and	CCONJ
gp-282	216	14	emotional	emotional	ADJ
gp-282	216	15	involvement	involvement	NOUN
gp-282	216	16	of	of	ADP
gp-282	216	17	the	the	DET
gp-282	216	18	ao	ao	NOUN
gp-282	216	19	towards	towards	ADP
gp-282	216	20	the	the	DET
gp-282	216	21	work	work	NOUN
gp-282	216	22	process	process	NOUN
gp-282	216	23	.	.	PUNCT
gp-282	217	1	some	some	PRON
gp-282	217	2	of	of	ADP
gp-282	217	3	the	the	DET
gp-282	217	4	activities	activity	NOUN
gp-282	217	5	that	that	PRON
gp-282	217	6	can	can	AUX
gp-282	217	7	be	be	AUX
gp-282	217	8	done	do	VERB
gp-282	217	9	to	to	PART
gp-282	217	10	strengthen	strengthen	VERB
gp-282	217	11	empowerment	empowerment	NOUN
gp-282	217	12	and	and	CCONJ
gp-282	217	13	work	work	NOUN
gp-282	217	14	autonomy	autonomy	NOUN
gp-282	217	15	are	be	AUX
gp-282	217	16	as	as	SCONJ
gp-282	217	17	follows	follow	VERB
gp-282	217	18	:	:	PUNCT
gp-282	217	19	a.	a.	NOUN
gp-282	217	20	discussion	discussion	NOUN
gp-282	217	21	sessions	session	NOUN
gp-282	217	22	organize	organize	VERB
gp-282	217	23	regular	regular	ADJ
gp-282	217	24	discussion	discussion	NOUN
gp-282	217	25	sessions	session	NOUN
gp-282	217	26	between	between	ADP
gp-282	217	27	ao	ao	PROPN
gp-282	217	28	and	and	CCONJ
gp-282	217	29	direct	direct	ADJ
gp-282	217	30	supervisors	supervisor	NOUN
gp-282	217	31	to	to	PART
gp-282	217	32	discuss	discuss	VERB
gp-282	217	33	experiences	experience	NOUN
gp-282	217	34	,	,	PUNCT
gp-282	217	35	work	work	NOUN
gp-282	217	36	challenges	challenge	NOUN
gp-282	217	37	and	and	CCONJ
gp-282	217	38	improvement	improvement	NOUN
gp-282	217	39	ideas	idea	NOUN
gp-282	217	40	.	.	PUNCT
gp-282	218	1	give	give	VERB
gp-282	218	2	ao	ao	ADP
gp-282	218	3	the	the	DET
gp-282	218	4	opportunity	opportunity	NOUN
gp-282	218	5	to	to	PART
gp-282	218	6	speak	speak	VERB
gp-282	218	7	openly	openly	ADV
gp-282	218	8	,	,	PUNCT
gp-282	218	9	without	without	ADP
gp-282	218	10	pressure	pressure	NOUN
gp-282	218	11	and	and	CCONJ
gp-282	218	12	to	to	PART
gp-282	218	13	be	be	AUX
gp-282	218	14	actively	actively	ADV
gp-282	218	15	listened	listen	VERB
gp-282	218	16	to	to	ADP
gp-282	218	17	,	,	PUNCT
gp-282	218	18	so	so	SCONJ
gp-282	218	19	that	that	SCONJ
gp-282	218	20	they	they	PRON
gp-282	218	21	feel	feel	VERB
gp-282	218	22	comfortable	comfortable	ADJ
gp-282	218	23	in	in	ADP
gp-282	218	24	participating	participate	VERB
gp-282	218	25	and	and	CCONJ
gp-282	218	26	contributing	contribute	VERB
gp-282	218	27	.	.	PUNCT
gp-282	219	1	b.	b.	PROPN
gp-282	219	2	brainstorming	brainstorming	NOUN
gp-282	219	3	sessions	session	NOUN
gp-282	219	4	this	this	DET
gp-282	219	5	session	session	NOUN
gp-282	219	6	focuses	focus	VERB
gp-282	219	7	on	on	ADP
gp-282	219	8	inviting	invite	VERB
gp-282	219	9	aos	aos	PROPN
gp-282	219	10	to	to	PART
gp-282	219	11	think	think	VERB
gp-282	219	12	creatively	creatively	ADV
gp-282	219	13	and	and	CCONJ
gp-282	219	14	generate	generate	VERB
gp-282	219	15	new	new	ADJ
gp-282	219	16	ideas	idea	NOUN
gp-282	219	17	to	to	PART
gp-282	219	18	improve	improve	VERB
gp-282	219	19	work	work	NOUN
gp-282	219	20	processes	process	NOUN
gp-282	219	21	and	and	CCONJ
gp-282	219	22	alternate	alternate	VERB
gp-282	219	23	new	new	ADJ
gp-282	219	24	solutions	solution	NOUN
gp-282	219	25	to	to	ADP
gp-282	219	26	the	the	DET
gp-282	219	27	obstacles	obstacle	NOUN
gp-282	219	28	faced	face	VERB
gp-282	219	29	,	,	PUNCT
gp-282	219	30	so	so	SCONJ
gp-282	219	31	that	that	SCONJ
gp-282	219	32	they	they	PRON
gp-282	219	33	will	will	AUX
gp-282	219	34	feel	feel	VERB
gp-282	219	35	part	part	NOUN
gp-282	219	36	of	of	ADP
gp-282	219	37	the	the	DET
gp-282	219	38	solution	solution	NOUN
gp-282	219	39	,	,	PUNCT
gp-282	219	40	not	not	PART
gp-282	219	41	just	just	ADV
gp-282	219	42	implementers	implementer	NOUN
gp-282	219	43	.	.	PUNCT
gp-282	220	1	c.	c.	PROPN
gp-282	220	2	problem	problem	NOUN
gp-282	220	3	-	-	PUNCT
gp-282	220	4	solving	solve	VERB
gp-282	220	5	training	training	NOUN
gp-282	220	6	or	or	CCONJ
gp-282	220	7	workshop	workshop	NOUN
gp-282	220	8	one	one	NUM
gp-282	220	9	way	way	NOUN
gp-282	220	10	to	to	PART
gp-282	220	11	encourage	encourage	VERB
gp-282	220	12	aos	aos	PROPN
gp-282	220	13	to	to	PART
gp-282	220	14	be	be	AUX
gp-282	220	15	more	more	ADV
gp-282	220	16	confident	confident	ADJ
gp-282	220	17	and	and	CCONJ
gp-282	220	18	independent	independent	ADJ
gp-282	220	19	in	in	ADP
gp-282	220	20	their	their	PRON
gp-282	220	21	work	work	NOUN
gp-282	220	22	is	be	AUX
gp-282	220	23	to	to	PART
gp-282	220	24	hold	hold	VERB
gp-282	220	25	training	training	NOUN
gp-282	220	26	or	or	CCONJ
gp-282	220	27	workshops	workshop	NOUN
gp-282	220	28	that	that	PRON
gp-282	220	29	focus	focus	VERB
gp-282	220	30	on	on	ADP
gp-282	220	31	problem	problem	NOUN
gp-282	220	32	solving	solve	VERB
gp-282	220	33	.	.	PUNCT
gp-282	221	1	in	in	ADP
gp-282	221	2	this	this	DET
gp-282	221	3	session	session	NOUN
gp-282	221	4	,	,	PUNCT
gp-282	221	5	aos	aos	PROPN
gp-282	221	6	can	can	AUX
gp-282	221	7	learn	learn	VERB
gp-282	221	8	how	how	SCONJ
gp-282	221	9	to	to	PART
gp-282	221	10	recognize	recognize	VERB
gp-282	221	11	problems	problem	NOUN
gp-282	221	12	in	in	ADP
gp-282	221	13	the	the	DET
gp-282	221	14	field	field	NOUN
gp-282	221	15	,	,	PUNCT
gp-282	221	16	understand	understand	VERB
gp-282	221	17	their	their	PRON
gp-282	221	18	causes	cause	NOUN
gp-282	221	19	,	,	PUNCT
gp-282	221	20	and	and	CCONJ
gp-282	221	21	try	try	VERB
gp-282	221	22	to	to	PART
gp-282	221	23	find	find	VERB
gp-282	221	24	the	the	DET
gp-282	221	25	most	most	ADV
gp-282	221	26	appropriate	appropriate	ADJ
gp-282	221	27	solution	solution	NOUN
gp-282	221	28	.	.	PUNCT
gp-282	222	1	the	the	DET
gp-282	222	2	training	training	NOUN
gp-282	222	3	materials	material	NOUN
gp-282	222	4	are	be	AUX
gp-282	222	5	not	not	PART
gp-282	222	6	theoretical	theoretical	ADJ
gp-282	222	7	,	,	PUNCT
gp-282	222	8	but	but	CCONJ
gp-282	222	9	taken	take	VERB
gp-282	222	10	from	from	ADP
gp-282	222	11	real	real	ADJ
gp-282	222	12	situations	situation	NOUN
gp-282	222	13	that	that	PRON
gp-282	222	14	they	they	PRON
gp-282	222	15	experience	experience	VERB
gp-282	222	16	on	on	ADP
gp-282	222	17	a	a	DET
gp-282	222	18	daily	daily	ADJ
gp-282	222	19	basis	basis	NOUN
gp-282	222	20	,	,	PUNCT
gp-282	222	21	so	so	ADV
gp-282	222	22	aos	aos	PROPN
gp-282	222	23	will	will	AUX
gp-282	222	24	feel	feel	VERB
gp-282	222	25	that	that	SCONJ
gp-282	222	26	their	their	PRON
gp-282	222	27	experience	experience	NOUN
gp-282	222	28	is	be	AUX
gp-282	222	29	valued	value	VERB
gp-282	222	30	,	,	PUNCT
gp-282	222	31	and	and	CCONJ
gp-282	222	32	they	they	PRON
gp-282	222	33	will	will	AUX
gp-282	222	34	become	become	VERB
gp-282	222	35	more	more	ADV
gp-282	222	36	involved	involved	ADJ
gp-282	222	37	in	in	ADP
gp-282	222	38	improving	improve	VERB
gp-282	222	39	work	work	NOUN
gp-282	222	40	processes	process	NOUN
gp-282	222	41	.	.	PUNCT
gp-282	223	1	in	in	ADP
gp-282	223	2	addition	addition	NOUN
gp-282	223	3	,	,	PUNCT
gp-282	223	4	this	this	DET
gp-282	223	5	activity	activity	NOUN
gp-282	223	6	can	can	AUX
gp-282	223	7	be	be	AUX
gp-282	223	8	a	a	DET
gp-282	223	9	space	space	NOUN
gp-282	223	10	to	to	PART
gp-282	223	11	build	build	VERB
gp-282	223	12	team	team	NOUN
gp-282	223	13	spirit	spirit	NOUN
gp-282	223	14	,	,	PUNCT
gp-282	223	15	foster	foster	ADJ
gp-282	223	16	self	self	NOUN
gp-282	223	17	-	-	PUNCT
gp-282	223	18	confidence	confidence	NOUN
gp-282	223	19	,	,	PUNCT
gp-282	223	20	and	and	CCONJ
gp-282	223	21	make	make	VERB
gp-282	223	22	aos	aos	PROPN
gp-282	223	23	feel	feel	VERB
gp-282	223	24	that	that	SCONJ
gp-282	223	25	they	they	PRON
gp-282	223	26	have	have	VERB
gp-282	223	27	an	an	DET
gp-282	223	28	important	important	ADJ
gp-282	223	29	role	role	NOUN
gp-282	223	30	in	in	ADP
gp-282	223	31	decisionmaking	decisionmake	VERB
gp-282	223	32	.	.	PUNCT
gp-282	224	1	d.	d.	PROPN
gp-282	224	2	self	self	NOUN
gp-282	224	3	-	-	PUNCT
gp-282	224	4	evaluation	evaluation	NOUN
gp-282	224	5	sessions	session	NOUN
gp-282	224	6	conduct	conduct	VERB
gp-282	224	7	periodic	periodic	ADJ
gp-282	224	8	self	self	NOUN
gp-282	224	9	-	-	PUNCT
gp-282	224	10	evaluation	evaluation	NOUN
gp-282	224	11	sessions	session	NOUN
gp-282	224	12	where	where	SCONJ
gp-282	224	13	ao	ao	PROPN
gp-282	224	14	can	can	AUX
gp-282	224	15	evaluate	evaluate	VERB
gp-282	224	16	performance	performance	NOUN
gp-282	224	17	,	,	PUNCT
gp-282	224	18	assess	assess	NOUN
gp-282	224	19	strengths	strength	NOUN
gp-282	224	20	and	and	CCONJ
gp-282	224	21	determine	determine	VERB
gp-282	224	22	the	the	DET
gp-282	224	23	personal	personal	ADJ
gp-282	224	24	corrective	corrective	ADJ
gp-282	224	25	steps	step	NOUN
gp-282	224	26	(	(	PUNCT
gp-282	224	27	personal	personal	ADJ
gp-282	224	28	action	action	NOUN
gp-282	224	29	plan	plan	NOUN
gp-282	224	30	)	)	PUNCT
gp-282	224	31	that	that	PRON
gp-282	224	32	need	need	VERB
gp-282	224	33	to	to	PART
gp-282	224	34	be	be	AUX
gp-282	224	35	taken	take	VERB
gp-282	224	36	.	.	PUNCT
gp-282	225	1	this	this	DET
gp-282	225	2	approach	approach	NOUN
gp-282	225	3	helps	help	VERB
gp-282	225	4	build	build	VERB
gp-282	225	5	self	self	NOUN
gp-282	225	6	-	-	PUNCT
gp-282	225	7	awareness	awareness	NOUN
gp-282	225	8	and	and	CCONJ
gp-282	225	9	ownership	ownership	NOUN
gp-282	225	10	of	of	ADP
gp-282	225	11	the	the	DET
gp-282	225	12	work	work	NOUN
gp-282	225	13	.	.	PUNCT
gp-282	226	1	american	american	ADJ
gp-282	226	2	journal	journal	PROPN
gp-282	226	3	of	of	ADP
gp-282	226	4	economic	economic	ADJ
gp-282	226	5	and	and	CCONJ
gp-282	226	6	management	management	NOUN
gp-282	226	7	business	business	NOUN
gp-282	226	8	vol	vol	NOUN
gp-282	226	9	.	.	PROPN
gp-282	227	1	4	4	NUM
gp-282	227	2	no	no	NOUN
gp-282	227	3	.	.	NOUN
gp-282	228	1	7	7	NUM
gp-282	228	2	july	july	NOUN
gp-282	228	3	2025	2025	NUM
gp-282	228	4	1036	1036	NUM
gp-282	228	5	in	in	ADP
gp-282	228	6	all	all	DET
gp-282	228	7	these	these	DET
gp-282	228	8	activities	activity	NOUN
gp-282	228	9	,	,	PUNCT
gp-282	228	10	the	the	DET
gp-282	228	11	most	most	ADV
gp-282	228	12	important	important	ADJ
gp-282	228	13	thing	thing	NOUN
gp-282	228	14	is	be	AUX
gp-282	228	15	to	to	PART
gp-282	228	16	create	create	VERB
gp-282	228	17	an	an	DET
gp-282	228	18	atmosphere	atmosphere	NOUN
gp-282	228	19	that	that	PRON
gp-282	228	20	encourages	encourage	VERB
gp-282	228	21	ao	ao	NOUN
gp-282	228	22	to	to	PART
gp-282	228	23	feel	feel	VERB
gp-282	228	24	comfortable	comfortable	ADJ
gp-282	228	25	expressing	express	VERB
gp-282	228	26	ideas	idea	NOUN
gp-282	228	27	,	,	PUNCT
gp-282	228	28	taking	take	VERB
gp-282	228	29	part	part	NOUN
gp-282	228	30	,	,	PUNCT
gp-282	228	31	and	and	CCONJ
gp-282	228	32	knowing	know	VERB
gp-282	228	33	that	that	SCONJ
gp-282	228	34	their	their	PRON
gp-282	228	35	opinions	opinion	NOUN
gp-282	228	36	are	be	AUX
gp-282	228	37	truly	truly	ADV
gp-282	228	38	heard	hear	VERB
gp-282	228	39	.	.	PUNCT
gp-282	229	1	when	when	SCONJ
gp-282	229	2	aos	aos	PROPN
gp-282	229	3	are	be	AUX
gp-282	229	4	trusted	trust	VERB
gp-282	229	5	to	to	PART
gp-282	229	6	make	make	VERB
gp-282	229	7	decisions	decision	NOUN
gp-282	229	8	,	,	PUNCT
gp-282	229	9	are	be	AUX
gp-282	229	10	involved	involve	VERB
gp-282	229	11	in	in	ADP
gp-282	229	12	problem	problem	NOUN
gp-282	229	13	solving	solving	NOUN
gp-282	229	14	,	,	PUNCT
gp-282	229	15	and	and	CCONJ
gp-282	229	16	feel	feel	VERB
gp-282	229	17	that	that	SCONJ
gp-282	229	18	what	what	PRON
gp-282	229	19	they	they	PRON
gp-282	229	20	do	do	AUX
gp-282	229	21	has	have	VERB
gp-282	229	22	a	a	DET
gp-282	229	23	real	real	ADJ
gp-282	229	24	impact	impact	NOUN
gp-282	229	25	,	,	PUNCT
gp-282	229	26	their	their	PRON
gp-282	229	27	motivation	motivation	NOUN
gp-282	229	28	will	will	AUX
gp-282	229	29	grow	grow	VERB
gp-282	229	30	.	.	PUNCT
gp-282	230	1	they	they	PRON
gp-282	230	2	no	no	ADV
gp-282	230	3	longer	long	ADV
gp-282	230	4	just	just	ADV
gp-282	230	5	carry	carry	VERB
gp-282	230	6	out	out	ADP
gp-282	230	7	instructions	instruction	NOUN
gp-282	230	8	,	,	PUNCT
gp-282	230	9	but	but	CCONJ
gp-282	230	10	also	also	ADV
gp-282	230	11	feel	feel	VERB
gp-282	230	12	they	they	PRON
gp-282	230	13	have	have	VERB
gp-282	230	14	a	a	DET
gp-282	230	15	stake	stake	NOUN
gp-282	230	16	in	in	ADP
gp-282	230	17	the	the	DET
gp-282	230	18	success	success	NOUN
gp-282	230	19	of	of	ADP
gp-282	230	20	the	the	DET
gp-282	230	21	team	team	NOUN
gp-282	230	22	.	.	PUNCT
gp-282	231	1	trust	trust	NOUN
gp-282	231	2	from	from	ADP
gp-282	231	3	superiors	superior	NOUN
gp-282	231	4	,	,	PUNCT
gp-282	231	5	room	room	NOUN
gp-282	231	6	to	to	PART
gp-282	231	7	grow	grow	VERB
gp-282	231	8	,	,	PUNCT
gp-282	231	9	and	and	CCONJ
gp-282	231	10	a	a	DET
gp-282	231	11	supportive	supportive	ADJ
gp-282	231	12	environment	environment	NOUN
gp-282	231	13	are	be	AUX
gp-282	231	14	key	key	ADJ
gp-282	231	15	to	to	ADP
gp-282	231	16	getting	get	VERB
gp-282	231	17	aos	aos	PROPN
gp-282	231	18	to	to	PART
gp-282	231	19	work	work	VERB
gp-282	231	20	with	with	ADP
gp-282	231	21	more	more	ADJ
gp-282	231	22	enthusiasm	enthusiasm	NOUN
gp-282	231	23	,	,	PUNCT
gp-282	231	24	feel	feel	VERB
gp-282	231	25	valued	value	VERB
gp-282	231	26	,	,	PUNCT
gp-282	231	27	and	and	CCONJ
gp-282	231	28	ultimately	ultimately	ADV
gp-282	231	29	contribute	contribute	VERB
gp-282	231	30	more	more	ADJ
gp-282	231	31	to	to	ADP
gp-282	231	32	branch	branch	NOUN
gp-282	231	33	performance	performance	NOUN
gp-282	231	34	.	.	PUNCT
gp-282	232	1	the	the	DET
gp-282	232	2	second	second	ADJ
gp-282	232	3	lowest	low	ADJ
gp-282	232	4	question	question	NOUN
gp-282	232	5	is	be	AUX
gp-282	232	6	the	the	DET
gp-282	232	7	sixth	sixth	ADJ
gp-282	232	8	question	question	NOUN
gp-282	232	9	item	item	NOUN
gp-282	232	10	,	,	PUNCT
gp-282	232	11	where	where	SCONJ
gp-282	232	12	respondents	respondent	NOUN
gp-282	232	13	feel	feel	VERB
gp-282	232	14	that	that	SCONJ
gp-282	232	15	the	the	DET
gp-282	232	16	salary	salary	NOUN
gp-282	232	17	received	receive	VERB
gp-282	232	18	does	do	AUX
gp-282	232	19	not	not	PART
gp-282	232	20	fully	fully	ADV
gp-282	232	21	reflect	reflect	VERB
gp-282	232	22	the	the	DET
gp-282	232	23	workload	workload	NOUN
gp-282	232	24	and	and	CCONJ
gp-282	232	25	responsibilities	responsibility	NOUN
gp-282	232	26	in	in	ADP
gp-282	232	27	carrying	carry	VERB
gp-282	232	28	out	out	ADP
gp-282	232	29	the	the	DET
gp-282	232	30	credit	credit	NOUN
gp-282	232	31	process	process	NOUN
gp-282	232	32	.	.	PUNCT
gp-282	233	1	thus	thus	ADV
gp-282	233	2	,	,	PUNCT
gp-282	233	3	the	the	DET
gp-282	233	4	human	human	ADJ
gp-282	233	5	capital	capital	NOUN
gp-282	233	6	division	division	NOUN
gp-282	233	7	needs	need	VERB
gp-282	233	8	to	to	PART
gp-282	233	9	review	review	VERB
gp-282	233	10	the	the	DET
gp-282	233	11	applicable	applicable	ADJ
gp-282	233	12	compensation	compensation	NOUN
gp-282	233	13	and	and	CCONJ
gp-282	233	14	incentive	incentive	NOUN
gp-282	233	15	system	system	NOUN
gp-282	233	16	,	,	PUNCT
gp-282	233	17	so	so	SCONJ
gp-282	233	18	that	that	SCONJ
gp-282	233	19	it	it	PRON
gp-282	233	20	is	be	AUX
gp-282	233	21	more	more	ADJ
gp-282	233	22	in	in	ADP
gp-282	233	23	line	line	NOUN
gp-282	233	24	with	with	ADP
gp-282	233	25	the	the	DET
gp-282	233	26	work	work	NOUN
gp-282	233	27	reality	reality	NOUN
gp-282	233	28	faced	face	VERB
gp-282	233	29	by	by	ADP
gp-282	233	30	aos	aos	PROPN
gp-282	233	31	in	in	ADP
gp-282	233	32	the	the	DET
gp-282	233	33	field	field	NOUN
gp-282	233	34	.	.	PUNCT
gp-282	234	1	the	the	DET
gp-282	234	2	balance	balance	NOUN
gp-282	234	3	between	between	ADP
gp-282	234	4	workload	workload	NOUN
gp-282	234	5	,	,	PUNCT
gp-282	234	6	pressure	pressure	NOUN
gp-282	234	7	to	to	PART
gp-282	234	8	achieve	achieve	VERB
gp-282	234	9	targets	target	NOUN
gp-282	234	10	,	,	PUNCT
gp-282	234	11	and	and	CCONJ
gp-282	234	12	the	the	DET
gp-282	234	13	rewards	reward	NOUN
gp-282	234	14	received	receive	VERB
gp-282	234	15	is	be	AUX
gp-282	234	16	an	an	DET
gp-282	234	17	important	important	ADJ
gp-282	234	18	key	key	NOUN
gp-282	234	19	in	in	ADP
gp-282	234	20	maintaining	maintain	VERB
gp-282	234	21	ao	ao	ADP
gp-282	234	22	morale	morale	NOUN
gp-282	234	23	.	.	PUNCT
gp-282	235	1	some	some	PRON
gp-282	235	2	of	of	ADP
gp-282	235	3	the	the	DET
gp-282	235	4	activities	activity	NOUN
gp-282	235	5	that	that	PRON
gp-282	235	6	need	need	VERB
gp-282	235	7	to	to	PART
gp-282	235	8	be	be	AUX
gp-282	235	9	done	do	VERB
gp-282	235	10	to	to	PART
gp-282	235	11	improve	improve	VERB
gp-282	235	12	perceptions	perception	NOUN
gp-282	235	13	of	of	ADP
gp-282	235	14	compensation	compensation	NOUN
gp-282	235	15	fairness	fairness	NOUN
gp-282	235	16	and	and	CCONJ
gp-282	235	17	strengthen	strengthen	VERB
gp-282	235	18	motivation	motivation	NOUN
gp-282	235	19	through	through	ADP
gp-282	235	20	a	a	DET
gp-282	235	21	more	more	ADV
gp-282	235	22	meaningful	meaningful	ADJ
gp-282	235	23	reward	reward	NOUN
gp-282	235	24	system	system	NOUN
gp-282	235	25	include	include	VERB
gp-282	235	26	:	:	PUNCT
gp-282	235	27	a.	a.	NOUN
gp-282	235	28	set	set	VERB
gp-282	235	29	clear	clear	ADJ
gp-282	235	30	and	and	CCONJ
gp-282	235	31	measurable	measurable	ADJ
gp-282	235	32	performance	performance	NOUN
gp-282	235	33	targets	target	NOUN
gp-282	235	34	.	.	PUNCT
gp-282	236	1	in	in	ADP
gp-282	236	2	order	order	NOUN
gp-282	236	3	for	for	SCONJ
gp-282	236	4	aos	aos	PROPN
gp-282	236	5	to	to	PART
gp-282	236	6	be	be	AUX
gp-282	236	7	more	more	ADV
gp-282	236	8	focused	focused	ADJ
gp-282	236	9	and	and	CCONJ
gp-282	236	10	directed	direct	VERB
gp-282	236	11	,	,	PUNCT
gp-282	236	12	it	it	PRON
gp-282	236	13	is	be	AUX
gp-282	236	14	necessary	necessary	ADJ
gp-282	236	15	to	to	PART
gp-282	236	16	set	set	VERB
gp-282	236	17	more	more	ADV
gp-282	236	18	specific	specific	ADJ
gp-282	236	19	work	work	NOUN
gp-282	236	20	targets	target	NOUN
gp-282	236	21	.	.	PUNCT
gp-282	237	1	realistic	realistic	ADJ
gp-282	237	2	targets	target	NOUN
gp-282	237	3	will	will	AUX
gp-282	237	4	help	help	VERB
gp-282	237	5	consumer	consumer	NOUN
gp-282	237	6	loan	loan	NOUN
gp-282	237	7	aos	aos	PROPN
gp-282	237	8	measure	measure	VERB
gp-282	237	9	their	their	PRON
gp-282	237	10	achievements	achievement	NOUN
gp-282	237	11	and	and	CCONJ
gp-282	237	12	feel	feel	VERB
gp-282	237	13	more	more	ADV
gp-282	237	14	confident	confident	ADJ
gp-282	237	15	when	when	SCONJ
gp-282	237	16	they	they	PRON
gp-282	237	17	meet	meet	VERB
gp-282	237	18	them	they	PRON
gp-282	237	19	.	.	PUNCT
gp-282	238	1	b.	b.	PROPN
gp-282	238	2	develop	develop	VERB
gp-282	238	3	fair	fair	ADJ
gp-282	238	4	and	and	CCONJ
gp-282	238	5	transparent	transparent	ADJ
gp-282	238	6	incentives	incentive	NOUN
gp-282	238	7	aos	aos	PROPN
gp-282	238	8	know	know	VERB
gp-282	238	9	clearly	clearly	ADV
gp-282	238	10	how	how	SCONJ
gp-282	238	11	their	their	PRON
gp-282	238	12	performance	performance	NOUN
gp-282	238	13	is	be	AUX
gp-282	238	14	assessed	assess	VERB
gp-282	238	15	and	and	CCONJ
gp-282	238	16	what	what	PRON
gp-282	238	17	they	they	PRON
gp-282	238	18	will	will	AUX
gp-282	238	19	receive	receive	VERB
gp-282	238	20	if	if	SCONJ
gp-282	238	21	they	they	PRON
gp-282	238	22	achieve	achieve	VERB
gp-282	238	23	their	their	PRON
gp-282	238	24	targets	target	NOUN
gp-282	238	25	.	.	PUNCT
gp-282	239	1	when	when	SCONJ
gp-282	239	2	the	the	DET
gp-282	239	3	process	process	NOUN
gp-282	239	4	is	be	AUX
gp-282	239	5	open	open	ADJ
gp-282	239	6	,	,	PUNCT
gp-282	239	7	consumer	consumer	NOUN
gp-282	239	8	loan	loan	NOUN
gp-282	239	9	aos	aos	PROPN
gp-282	239	10	do	do	AUX
gp-282	239	11	not	not	PART
gp-282	239	12	feel	feel	VERB
gp-282	239	13	hesitant	hesitant	ADJ
gp-282	239	14	or	or	CCONJ
gp-282	239	15	suspicious	suspicious	ADJ
gp-282	239	16	,	,	PUNCT
gp-282	239	17	and	and	CCONJ
gp-282	239	18	instead	instead	ADV
gp-282	239	19	are	be	AUX
gp-282	239	20	more	more	ADV
gp-282	239	21	enthusiastic	enthusiastic	ADJ
gp-282	239	22	because	because	SCONJ
gp-282	239	23	they	they	PRON
gp-282	239	24	know	know	VERB
gp-282	239	25	the	the	DET
gp-282	239	26	direction	direction	NOUN
gp-282	239	27	that	that	PRON
gp-282	239	28	must	must	AUX
gp-282	239	29	be	be	AUX
gp-282	239	30	achieved	achieve	VERB
gp-282	239	31	.	.	PUNCT
gp-282	240	1	this	this	DET
gp-282	240	2	fairness	fairness	NOUN
gp-282	240	3	and	and	CCONJ
gp-282	240	4	openness	openness	NOUN
gp-282	240	5	can	can	AUX
gp-282	240	6	also	also	ADV
gp-282	240	7	avoid	avoid	VERB
gp-282	240	8	conflict	conflict	NOUN
gp-282	240	9	within	within	ADP
gp-282	240	10	the	the	DET
gp-282	240	11	team	team	NOUN
gp-282	240	12	.	.	PUNCT
gp-282	241	1	c.	c.	PROPN
gp-282	241	2	provide	provide	VERB
gp-282	241	3	flexible	flexible	ADJ
gp-282	241	4	incentive	incentive	NOUN
gp-282	241	5	options	option	NOUN
gp-282	241	6	everyone	everyone	PRON
gp-282	241	7	has	have	VERB
gp-282	241	8	different	different	ADJ
gp-282	241	9	preferences	preference	NOUN
gp-282	241	10	.	.	PUNCT
gp-282	242	1	some	some	PRON
gp-282	242	2	are	be	AUX
gp-282	242	3	motivated	motivate	VERB
gp-282	242	4	by	by	ADP
gp-282	242	5	cash	cash	NOUN
gp-282	242	6	bonuses	bonus	NOUN
gp-282	242	7	,	,	PUNCT
gp-282	242	8	while	while	SCONJ
gp-282	242	9	others	other	NOUN
gp-282	242	10	prefer	prefer	VERB
gp-282	242	11	additional	additional	ADJ
gp-282	242	12	training	training	NOUN
gp-282	242	13	or	or	CCONJ
gp-282	242	14	even	even	ADV
gp-282	242	15	extra	extra	ADJ
gp-282	242	16	time	time	NOUN
gp-282	242	17	off	off	ADP
gp-282	242	18	.	.	PUNCT
gp-282	243	1	giving	give	VERB
gp-282	243	2	choices	choice	NOUN
gp-282	243	3	makes	make	VERB
gp-282	243	4	aos	aos	PROPN
gp-282	243	5	feel	feel	VERB
gp-282	243	6	more	more	ADV
gp-282	243	7	personally	personally	ADV
gp-282	243	8	valued	value	VERB
gp-282	243	9	,	,	PUNCT
gp-282	243	10	as	as	SCONJ
gp-282	243	11	the	the	DET
gp-282	243	12	company	company	NOUN
gp-282	243	13	pays	pay	VERB
gp-282	243	14	attention	attention	NOUN
gp-282	243	15	to	to	ADP
gp-282	243	16	their	their	PRON
gp-282	243	17	individual	individual	ADJ
gp-282	243	18	needs	need	NOUN
gp-282	243	19	and	and	CCONJ
gp-282	243	20	tastes	taste	NOUN
gp-282	243	21	.	.	PUNCT
gp-282	244	1	d.	d.	PROPN
gp-282	244	2	provide	provide	VERB
gp-282	244	3	meaningful	meaningful	ADJ
gp-282	244	4	non	non	ADJ
gp-282	244	5	-	-	ADJ
gp-282	244	6	monetary	monetary	ADJ
gp-282	244	7	rewards	reward	VERB
gp-282	244	8	simple	simple	ADJ
gp-282	244	9	appreciation	appreciation	NOUN
gp-282	244	10	such	such	ADJ
gp-282	244	11	as	as	ADP
gp-282	244	12	a	a	DET
gp-282	244	13	thank	thank	NOUN
gp-282	244	14	you	you	PRON
gp-282	244	15	from	from	ADP
gp-282	244	16	your	your	PRON
gp-282	244	17	boss	boss	NOUN
gp-282	244	18	,	,	PUNCT
gp-282	244	19	a	a	DET
gp-282	244	20	mention	mention	NOUN
gp-282	244	21	in	in	ADP
gp-282	244	22	an	an	DET
gp-282	244	23	internal	internal	ADJ
gp-282	244	24	forum	forum	NOUN
gp-282	244	25	,	,	PUNCT
gp-282	244	26	or	or	CCONJ
gp-282	244	27	a	a	DET
gp-282	244	28	certificate	certificate	NOUN
gp-282	244	29	of	of	ADP
gp-282	244	30	achievement	achievement	NOUN
gp-282	244	31	can	can	AUX
gp-282	244	32	go	go	VERB
gp-282	244	33	a	a	DET
gp-282	244	34	long	long	ADJ
gp-282	244	35	way	way	NOUN
gp-282	244	36	.	.	PUNCT
gp-282	245	1	being	be	AUX
gp-282	245	2	recognized	recognize	VERB
gp-282	245	3	sincerely	sincerely	ADV
gp-282	245	4	and	and	CCONJ
gp-282	245	5	in	in	ADP
gp-282	245	6	the	the	DET
gp-282	245	7	presence	presence	NOUN
gp-282	245	8	of	of	ADP
gp-282	245	9	colleagues	colleague	NOUN
gp-282	245	10	can	can	AUX
gp-282	245	11	have	have	VERB
gp-282	245	12	a	a	DET
gp-282	245	13	much	much	ADV
gp-282	245	14	deeper	deep	ADJ
gp-282	245	15	effect	effect	NOUN
gp-282	245	16	.	.	PUNCT
gp-282	246	1	e.	e.	PROPN
gp-282	246	2	hold	hold	VERB
gp-282	246	3	consistent	consistent	ADJ
gp-282	246	4	and	and	CCONJ
gp-282	246	5	constructive	constructive	ADJ
gp-282	246	6	feedback	feedback	NOUN
gp-282	246	7	sessions	session	NOUN
gp-282	246	8	regular	regular	ADJ
gp-282	246	9	feedback	feedback	NOUN
gp-282	246	10	,	,	PUNCT
gp-282	246	11	not	not	PART
gp-282	246	12	just	just	ADV
gp-282	246	13	when	when	SCONJ
gp-282	246	14	there	there	PRON
gp-282	246	15	is	be	VERB
gp-282	246	16	a	a	DET
gp-282	246	17	problem	problem	NOUN
gp-282	246	18	,	,	PUNCT
gp-282	246	19	will	will	AUX
gp-282	246	20	make	make	VERB
gp-282	246	21	the	the	DET
gp-282	246	22	ao	ao	PROPN
gp-282	246	23	feel	feel	VERB
gp-282	246	24	supported	support	VERB
gp-282	246	25	.	.	PUNCT
gp-282	247	1	managers	manager	NOUN
gp-282	247	2	express	express	VERB
gp-282	247	3	appreciation	appreciation	NOUN
gp-282	247	4	for	for	ADP
gp-282	247	5	achievements	achievement	NOUN
gp-282	247	6	,	,	PUNCT
gp-282	247	7	as	as	ADV
gp-282	247	8	well	well	ADV
gp-282	247	9	as	as	ADP
gp-282	247	10	help	help	VERB
gp-282	247	11	aos	aos	PROPN
gp-282	247	12	develop	develop	VERB
gp-282	247	13	corrective	corrective	ADJ
gp-282	247	14	steps	step	NOUN
gp-282	247	15	if	if	SCONJ
gp-282	247	16	needed	need	VERB
gp-282	247	17	.	.	PUNCT
gp-282	248	1	f.	f.	PROPN
gp-282	248	2	create	create	VERB
gp-282	248	3	a	a	DET
gp-282	248	4	tiered	tiere	VERB
gp-282	248	5	reward	reward	NOUN
gp-282	248	6	system	system	NOUN
gp-282	248	7	creating	create	VERB
gp-282	248	8	a	a	DET
gp-282	248	9	multilevel	multilevel	ADJ
gp-282	248	10	award	award	NOUN
gp-282	248	11	system	system	NOUN
gp-282	248	12	will	will	AUX
gp-282	248	13	make	make	VERB
gp-282	248	14	newly	newly	ADV
gp-282	248	15	developed	develop	VERB
gp-282	248	16	aos	aos	NOUN
gp-282	248	17	feel	feel	VERB
gp-282	248	18	appreciated	appreciated	ADJ
gp-282	248	19	.	.	PUNCT
gp-282	249	1	by	by	ADP
gp-282	249	2	creating	create	VERB
gp-282	249	3	a	a	DET
gp-282	249	4	tiered	tiere	VERB
gp-282	249	5	award	award	NOUN
gp-282	249	6	system	system	NOUN
gp-282	249	7	such	such	ADJ
gp-282	249	8	as	as	ADP
gp-282	249	9	bronze	bronze	NOUN
gp-282	249	10	,	,	PUNCT
gp-282	249	11	silver	silver	NOUN
gp-282	249	12	,	,	PUNCT
gp-282	249	13	and	and	CCONJ
gp-282	249	14	gold	gold	NOUN
gp-282	249	15	,	,	PUNCT
gp-282	249	16	aos	aos	PROPN
gp-282	249	17	are	be	AUX
gp-282	249	18	encouraged	encourage	VERB
gp-282	249	19	to	to	PART
gp-282	249	20	keep	keep	VERB
gp-282	249	21	tiara	tiara	PROPN
gp-282	249	22	agustina	agustina	PROPN
gp-282	249	23	,	,	PUNCT
gp-282	249	24	achmad	achmad	PROPN
gp-282	249	25	ghazali	ghazali	ADJ
gp-282	249	26	1037	1037	NUM
gp-282	249	27	leveling	level	VERB
gp-282	249	28	up	up	ADP
gp-282	249	29	.	.	PUNCT
gp-282	250	1	this	this	PRON
gp-282	250	2	also	also	ADV
gp-282	250	3	gives	give	VERB
gp-282	250	4	everyone	everyone	PRON
gp-282	250	5	the	the	DET
gp-282	250	6	opportunity	opportunity	NOUN
gp-282	250	7	to	to	PART
gp-282	250	8	feel	feel	VERB
gp-282	250	9	like	like	SCONJ
gp-282	250	10	they	they	PRON
gp-282	250	11	have	have	VERB
gp-282	250	12	a	a	DET
gp-282	250	13	chance	chance	NOUN
gp-282	250	14	to	to	PART
gp-282	250	15	be	be	AUX
gp-282	250	16	recognized	recognize	VERB
gp-282	250	17	,	,	PUNCT
gp-282	250	18	not	not	PART
gp-282	250	19	just	just	ADV
gp-282	250	20	those	those	PRON
gp-282	250	21	who	who	PRON
gp-282	250	22	are	be	AUX
gp-282	250	23	always	always	ADV
gp-282	250	24	at	at	ADP
gp-282	250	25	the	the	DET
gp-282	250	26	top	top	NOUN
gp-282	250	27	.	.	PUNCT
gp-282	251	1	g.	g.	NOUN
gp-282	251	2	evaluation	evaluation	NOUN
gp-282	251	3	of	of	ADP
gp-282	251	4	the	the	DET
gp-282	251	5	incentive	incentive	NOUN
gp-282	251	6	program	program	NOUN
gp-282	251	7	should	should	AUX
gp-282	251	8	be	be	AUX
gp-282	251	9	done	do	VERB
gp-282	251	10	regularly	regularly	ADV
gp-282	251	11	.	.	PUNCT
gp-282	252	1	review	review	VERB
gp-282	252	2	whether	whether	SCONJ
gp-282	252	3	the	the	DET
gp-282	252	4	program	program	NOUN
gp-282	252	5	is	be	AUX
gp-282	252	6	effective	effective	ADJ
gp-282	252	7	in	in	ADP
gp-282	252	8	driving	drive	VERB
gp-282	252	9	sales	sale	NOUN
gp-282	252	10	performance	performance	NOUN
gp-282	252	11	and	and	CCONJ
gp-282	252	12	employee	employee	NOUN
gp-282	252	13	satisfaction	satisfaction	NOUN
gp-282	252	14	.	.	PUNCT
gp-282	253	1	if	if	SCONJ
gp-282	253	2	necessary	necessary	ADJ
gp-282	253	3	,	,	PUNCT
gp-282	253	4	make	make	VERB
gp-282	253	5	adjustments	adjustment	NOUN
gp-282	253	6	to	to	PART
gp-282	253	7	ensure	ensure	VERB
gp-282	253	8	that	that	SCONJ
gp-282	253	9	the	the	DET
gp-282	253	10	incentive	incentive	NOUN
gp-282	253	11	program	program	NOUN
gp-282	253	12	continues	continue	VERB
gp-282	253	13	to	to	PART
gp-282	253	14	be	be	AUX
gp-282	253	15	relevant	relevant	ADJ
gp-282	253	16	and	and	CCONJ
gp-282	253	17	effective	effective	ADJ
gp-282	253	18	.	.	PUNCT
gp-282	254	1	business	business	NOUN
gp-282	254	2	solution	solution	NOUN
gp-282	254	3	regarding	regard	VERB
gp-282	254	4	performance	performance	NOUN
gp-282	254	5	the	the	DET
gp-282	254	6	results	result	NOUN
gp-282	254	7	of	of	ADP
gp-282	254	8	descriptive	descriptive	ADJ
gp-282	254	9	tabulation	tabulation	NOUN
gp-282	254	10	on	on	ADP
gp-282	254	11	performance	performance	NOUN
gp-282	254	12	variables	variable	NOUN
gp-282	254	13	involving	involve	VERB
gp-282	254	14	87	87	NUM
gp-282	254	15	respondents	respondent	NOUN
gp-282	254	16	,	,	PUNCT
gp-282	254	17	the	the	DET
gp-282	254	18	average	average	ADJ
gp-282	254	19	performance	performance	NOUN
gp-282	254	20	score	score	NOUN
gp-282	254	21	obtained	obtain	VERB
gp-282	254	22	is	be	AUX
gp-282	254	23	4.15	4.15	NUM
gp-282	254	24	,	,	PUNCT
gp-282	254	25	which	which	PRON
gp-282	254	26	is	be	AUX
gp-282	254	27	included	include	VERB
gp-282	254	28	in	in	ADP
gp-282	254	29	the	the	DET
gp-282	254	30	"	"	PUNCT
gp-282	254	31	good	good	ADJ
gp-282	254	32	"	"	PUNCT
gp-282	254	33	category	category	NOUN
gp-282	254	34	.	.	PUNCT
gp-282	255	1	this	this	PRON
gp-282	255	2	means	mean	VERB
gp-282	255	3	that	that	SCONJ
gp-282	255	4	in	in	ADP
gp-282	255	5	general	general	ADJ
gp-282	255	6	the	the	DET
gp-282	255	7	aos	aos	PROPN
gp-282	255	8	have	have	AUX
gp-282	255	9	worked	work	VERB
gp-282	255	10	well	well	ADV
gp-282	255	11	in	in	ADP
gp-282	255	12	carrying	carry	VERB
gp-282	255	13	out	out	ADP
gp-282	255	14	their	their	PRON
gp-282	255	15	roles	role	NOUN
gp-282	255	16	.	.	PUNCT
gp-282	256	1	however	however	ADV
gp-282	256	2	,	,	PUNCT
gp-282	256	3	there	there	PRON
gp-282	256	4	is	be	VERB
gp-282	256	5	one	one	NUM
gp-282	256	6	dimension	dimension	NOUN
gp-282	256	7	that	that	PRON
gp-282	256	8	shows	show	VERB
gp-282	256	9	the	the	DET
gp-282	256	10	lowest	low	ADJ
gp-282	256	11	score	score	NOUN
gp-282	256	12	,	,	PUNCT
gp-282	256	13	namely	namely	ADV
gp-282	256	14	in	in	ADP
gp-282	256	15	the	the	DET
gp-282	256	16	efficiency	efficiency	NOUN
gp-282	256	17	aspect	aspect	NOUN
gp-282	256	18	,	,	PUNCT
gp-282	256	19	with	with	ADP
gp-282	256	20	an	an	DET
gp-282	256	21	average	average	ADJ
gp-282	256	22	score	score	NOUN
gp-282	256	23	of	of	ADP
gp-282	256	24	3.99	3.99	NUM
gp-282	256	25	.	.	PUNCT
gp-282	257	1	this	this	DET
gp-282	257	2	figure	figure	NOUN
gp-282	257	3	indicates	indicate	VERB
gp-282	257	4	that	that	SCONJ
gp-282	257	5	some	some	DET
gp-282	257	6	aos	aos	PROPN
gp-282	257	7	still	still	ADV
gp-282	257	8	feel	feel	VERB
gp-282	257	9	that	that	SCONJ
gp-282	257	10	they	they	PRON
gp-282	257	11	are	be	AUX
gp-282	257	12	not	not	PART
gp-282	257	13	optimal	optimal	ADJ
gp-282	257	14	in	in	ADP
gp-282	257	15	managing	manage	VERB
gp-282	257	16	their	their	PRON
gp-282	257	17	time	time	NOUN
gp-282	257	18	and	and	CCONJ
gp-282	257	19	resources	resource	NOUN
gp-282	257	20	when	when	SCONJ
gp-282	257	21	serving	serve	VERB
gp-282	257	22	several	several	ADJ
gp-282	257	23	customers	customer	NOUN
gp-282	257	24	at	at	ADP
gp-282	257	25	once	once	ADV
gp-282	257	26	,	,	PUNCT
gp-282	257	27	especially	especially	ADV
gp-282	257	28	when	when	SCONJ
gp-282	257	29	facing	face	VERB
gp-282	257	30	a	a	DET
gp-282	257	31	high	high	ADJ
gp-282	257	32	workload	workload	NOUN
gp-282	257	33	.	.	PUNCT
gp-282	258	1	so	so	ADV
gp-282	258	2	the	the	DET
gp-282	258	3	solution	solution	NOUN
gp-282	258	4	that	that	PRON
gp-282	258	5	can	can	AUX
gp-282	258	6	be	be	AUX
gp-282	258	7	a	a	DET
gp-282	258	8	real	real	ADJ
gp-282	258	9	step	step	NOUN
gp-282	258	10	in	in	ADP
gp-282	258	11	improving	improve	VERB
gp-282	258	12	performance	performance	NOUN
gp-282	258	13	,	,	PUNCT
gp-282	258	14	especially	especially	ADV
gp-282	258	15	in	in	ADP
gp-282	258	16	terms	term	NOUN
gp-282	258	17	of	of	ADP
gp-282	258	18	efficiency	efficiency	NOUN
gp-282	258	19	is	be	AUX
gp-282	258	20	:	:	PUNCT
gp-282	258	21	a.	a.	NOUN
gp-282	258	22	ao	ao	PROPN
gp-282	258	23	workload	workload	NOUN
gp-282	258	24	mapping	mapping	NOUN
gp-282	258	25	workload	workload	NOUN
gp-282	258	26	mapping	mapping	NOUN
gp-282	258	27	is	be	AUX
gp-282	258	28	done	do	VERB
gp-282	258	29	to	to	PART
gp-282	258	30	ensure	ensure	VERB
gp-282	258	31	that	that	SCONJ
gp-282	258	32	the	the	DET
gp-282	258	33	duties	duty	NOUN
gp-282	258	34	and	and	CCONJ
gp-282	258	35	responsibilities	responsibility	NOUN
gp-282	258	36	of	of	ADP
gp-282	258	37	each	each	DET
gp-282	258	38	ao	ao	NOUN
gp-282	258	39	are	be	AUX
gp-282	258	40	balanced	balanced	ADJ
gp-282	258	41	,	,	PUNCT
gp-282	258	42	not	not	PART
gp-282	258	43	too	too	ADV
gp-282	258	44	heavy	heavy	ADJ
gp-282	258	45	on	on	ADP
gp-282	258	46	one	one	NUM
gp-282	258	47	side	side	NOUN
gp-282	258	48	,	,	PUNCT
gp-282	258	49	and	and	CCONJ
gp-282	258	50	in	in	ADP
gp-282	258	51	accordance	accordance	NOUN
gp-282	258	52	with	with	ADP
gp-282	258	53	their	their	PRON
gp-282	258	54	respective	respective	ADJ
gp-282	258	55	capacities	capacity	NOUN
gp-282	258	56	and	and	CCONJ
gp-282	258	57	roles	role	NOUN
gp-282	258	58	.	.	PUNCT
gp-282	259	1	that	that	DET
gp-282	259	2	way	way	NOUN
gp-282	259	3	,	,	PUNCT
gp-282	259	4	they	they	PRON
gp-282	259	5	can	can	AUX
gp-282	259	6	focus	focus	VERB
gp-282	259	7	on	on	ADP
gp-282	259	8	working	work	VERB
gp-282	259	9	effectively	effectively	ADV
gp-282	259	10	without	without	ADP
gp-282	259	11	feeling	feel	VERB
gp-282	259	12	overwhelmed	overwhelmed	ADJ
gp-282	259	13	,	,	PUNCT
gp-282	259	14	and	and	CCONJ
gp-282	259	15	their	their	PRON
gp-282	259	16	work	work	NOUN
gp-282	259	17	results	result	NOUN
gp-282	259	18	can	can	AUX
gp-282	259	19	be	be	AUX
gp-282	259	20	optimized	optimize	VERB
gp-282	259	21	.	.	PUNCT
gp-282	260	1	b.	b.	PROPN
gp-282	260	2	time	time	PROPN
gp-282	260	3	management	management	NOUN
gp-282	260	4	and	and	CCONJ
gp-282	260	5	prioritization	prioritization	NOUN
gp-282	260	6	training	train	VERB
gp-282	260	7	the	the	DET
gp-282	260	8	time	time	NOUN
gp-282	260	9	management	management	NOUN
gp-282	260	10	and	and	CCONJ
gp-282	260	11	prioritization	prioritization	NOUN
gp-282	260	12	training	training	NOUN
gp-282	260	13	aims	aim	VERB
gp-282	260	14	to	to	PART
gp-282	260	15	help	help	VERB
gp-282	260	16	aos	aos	PROPN
gp-282	260	17	better	well	ADV
gp-282	260	18	manage	manage	VERB
gp-282	260	19	their	their	PRON
gp-282	260	20	work	work	NOUN
gp-282	260	21	schedules	schedule	NOUN
gp-282	260	22	,	,	PUNCT
gp-282	260	23	recognize	recognize	VERB
gp-282	260	24	the	the	DET
gp-282	260	25	most	most	ADV
gp-282	260	26	important	important	ADJ
gp-282	260	27	tasks	task	NOUN
gp-282	260	28	,	,	PUNCT
gp-282	260	29	and	and	CCONJ
gp-282	260	30	complete	complete	ADJ
gp-282	260	31	work	work	NOUN
gp-282	260	32	more	more	ADV
gp-282	260	33	efficiently	efficiently	ADV
gp-282	260	34	.	.	PUNCT
gp-282	261	1	this	this	DET
gp-282	261	2	way	way	NOUN
gp-282	261	3	,	,	PUNCT
gp-282	261	4	they	they	PRON
gp-282	261	5	can	can	AUX
gp-282	261	6	stay	stay	VERB
gp-282	261	7	focused	focused	ADJ
gp-282	261	8	,	,	PUNCT
gp-282	261	9	avoid	avoid	VERB
gp-282	261	10	procrastination	procrastination	NOUN
gp-282	261	11	,	,	PUNCT
gp-282	261	12	and	and	CCONJ
gp-282	261	13	achieve	achieve	VERB
gp-282	261	14	maximum	maximum	ADJ
gp-282	261	15	work	work	NOUN
gp-282	261	16	output	output	NOUN
gp-282	261	17	every	every	DET
gp-282	261	18	day	day	NOUN
gp-282	261	19	.	.	PUNCT
gp-282	262	1	c.	c.	PROPN
gp-282	262	2	sharing	sharing	NOUN
gp-282	262	3	and	and	CCONJ
gp-282	262	4	mentoring	mentor	VERB
gp-282	262	5	forum	forum	NOUN
gp-282	262	6	the	the	DET
gp-282	262	7	sharing	sharing	NOUN
gp-282	262	8	and	and	CCONJ
gp-282	262	9	mentoring	mentor	VERB
gp-282	262	10	forum	forum	NOUN
gp-282	262	11	aims	aim	VERB
gp-282	262	12	to	to	PART
gp-282	262	13	create	create	VERB
gp-282	262	14	a	a	DET
gp-282	262	15	sharing	sharing	NOUN
gp-282	262	16	space	space	NOUN
gp-282	262	17	between	between	ADP
gp-282	262	18	aos	aos	PROPN
gp-282	262	19	,	,	PUNCT
gp-282	262	20	where	where	SCONJ
gp-282	262	21	they	they	PRON
gp-282	262	22	can	can	AUX
gp-282	262	23	exchange	exchange	VERB
gp-282	262	24	experiences	experience	NOUN
gp-282	262	25	,	,	PUNCT
gp-282	262	26	success	success	NOUN
gp-282	262	27	stories	story	NOUN
gp-282	262	28	,	,	PUNCT
gp-282	262	29	or	or	CCONJ
gp-282	262	30	challenges	challenge	NOUN
gp-282	262	31	faced	face	VERB
gp-282	262	32	in	in	ADP
gp-282	262	33	the	the	DET
gp-282	262	34	field	field	NOUN
gp-282	262	35	.	.	PUNCT
gp-282	263	1	through	through	ADP
gp-282	263	2	this	this	DET
gp-282	263	3	forum	forum	NOUN
gp-282	263	4	,	,	PUNCT
gp-282	263	5	more	more	ADV
gp-282	263	6	experienced	experienced	ADJ
gp-282	263	7	aos	aos	PROPN
gp-282	263	8	can	can	AUX
gp-282	263	9	also	also	ADV
gp-282	263	10	become	become	VERB
gp-282	263	11	mentors	mentor	NOUN
gp-282	263	12	for	for	ADP
gp-282	263	13	newer	new	ADJ
gp-282	263	14	colleagues	colleague	NOUN
gp-282	263	15	,	,	PUNCT
gp-282	263	16	thus	thus	ADV
gp-282	263	17	creating	create	VERB
gp-282	263	18	an	an	DET
gp-282	263	19	atmosphere	atmosphere	NOUN
gp-282	263	20	of	of	ADP
gp-282	263	21	mutual	mutual	ADJ
gp-282	263	22	support	support	NOUN
gp-282	263	23	and	and	CCONJ
gp-282	263	24	learning	learn	VERB
gp-282	263	25	together	together	ADV
gp-282	263	26	.	.	PUNCT
gp-282	264	1	d.	d.	PROPN
gp-282	264	2	setting	set	VERB
gp-282	264	3	a	a	DET
gp-282	264	4	realistic	realistic	ADJ
gp-282	264	5	internal	internal	ADJ
gp-282	264	6	sla	sla	NOUN
gp-282	264	7	(	(	PUNCT
gp-282	264	8	service	service	NOUN
gp-282	264	9	level	level	NOUN
gp-282	264	10	agreement	agreement	NOUN
gp-282	264	11	)	)	PUNCT
gp-282	264	12	establishing	establish	VERB
gp-282	264	13	a	a	DET
gp-282	264	14	realistic	realistic	ADJ
gp-282	264	15	internal	internal	ADJ
gp-282	264	16	sla	sla	NOUN
gp-282	264	17	(	(	PUNCT
gp-282	264	18	service	service	NOUN
gp-282	264	19	level	level	NOUN
gp-282	264	20	agreement	agreement	NOUN
gp-282	264	21	)	)	PUNCT
gp-282	264	22	aims	aim	VERB
gp-282	264	23	to	to	PART
gp-282	264	24	provide	provide	VERB
gp-282	264	25	clear	clear	ADJ
gp-282	264	26	time	time	NOUN
gp-282	264	27	guidelines	guideline	NOUN
gp-282	264	28	for	for	ADP
gp-282	264	29	each	each	DET
gp-282	264	30	work	work	NOUN
gp-282	264	31	process	process	NOUN
gp-282	264	32	,	,	PUNCT
gp-282	264	33	so	so	SCONJ
gp-282	264	34	that	that	SCONJ
gp-282	264	35	aos	aos	PROPN
gp-282	264	36	do	do	AUX
gp-282	264	37	not	not	PART
gp-282	264	38	feel	feel	VERB
gp-282	264	39	rushed	rush	VERB
gp-282	264	40	but	but	CCONJ
gp-282	264	41	still	still	ADV
gp-282	264	42	have	have	VERB
gp-282	264	43	measurable	measurable	ADJ
gp-282	264	44	completion	completion	NOUN
gp-282	264	45	targets	target	NOUN
gp-282	264	46	.	.	PUNCT
gp-282	265	1	with	with	ADP
gp-282	265	2	a	a	DET
gp-282	265	3	reasonable	reasonable	ADJ
gp-282	265	4	and	and	CCONJ
gp-282	265	5	mutually	mutually	ADV
gp-282	265	6	agreed	agree	VERB
gp-282	265	7	time	time	NOUN
gp-282	265	8	limit	limit	NOUN
gp-282	265	9	,	,	PUNCT
gp-282	265	10	work	work	NOUN
gp-282	265	11	can	can	AUX
gp-282	265	12	run	run	VERB
gp-282	265	13	more	more	ADV
gp-282	265	14	organized	organized	ADJ
gp-282	265	15	,	,	PUNCT
gp-282	265	16	efficient	efficient	ADJ
gp-282	265	17	,	,	PUNCT
gp-282	265	18	and	and	CCONJ
gp-282	265	19	still	still	ADV
gp-282	265	20	maintain	maintain	VERB
gp-282	265	21	the	the	DET
gp-282	265	22	quality	quality	NOUN
gp-282	265	23	of	of	ADP
gp-282	265	24	service	service	NOUN
gp-282	265	25	to	to	ADP
gp-282	265	26	customers	customer	NOUN
gp-282	265	27	.	.	PUNCT
gp-282	266	1	e.	e.	PROPN
gp-282	266	2	conduct	conduct	VERB
gp-282	266	3	routine	routine	ADJ
gp-282	266	4	and	and	CCONJ
gp-282	266	5	personalized	personalized	ADJ
gp-282	266	6	evaluation	evaluation	NOUN
gp-282	266	7	and	and	CCONJ
gp-282	266	8	feedback	feedback	NOUN
gp-282	266	9	from	from	ADP
gp-282	266	10	immediate	immediate	ADJ
gp-282	266	11	supervisors	supervisor	NOUN
gp-282	266	12	conducting	conduct	VERB
gp-282	266	13	regular	regular	ADJ
gp-282	266	14	and	and	CCONJ
gp-282	266	15	personalized	personalized	ADJ
gp-282	266	16	evaluations	evaluation	NOUN
gp-282	266	17	and	and	CCONJ
gp-282	266	18	feedback	feedback	NOUN
gp-282	266	19	from	from	ADP
gp-282	266	20	direct	direct	ADJ
gp-282	266	21	supervisors	supervisor	NOUN
gp-282	266	22	aims	aim	VERB
gp-282	266	23	to	to	PART
gp-282	266	24	help	help	VERB
gp-282	266	25	aos	aos	PROPN
gp-282	266	26	understand	understand	VERB
gp-282	266	27	their	their	PRON
gp-282	266	28	overall	overall	ADJ
gp-282	266	29	performance	performance	NOUN
gp-282	266	30	development	development	NOUN
gp-282	266	31	,	,	PUNCT
gp-282	266	32	as	as	ADV
gp-282	266	33	well	well	ADV
gp-282	266	34	as	as	ADP
gp-282	266	35	provide	provide	VERB
gp-282	266	36	direction	direction	NOUN
gp-282	266	37	and	and	CCONJ
gp-282	266	38	american	american	ADJ
gp-282	266	39	journal	journal	PROPN
gp-282	266	40	of	of	ADP
gp-282	266	41	economic	economic	ADJ
gp-282	266	42	and	and	CCONJ
gp-282	266	43	management	management	NOUN
gp-282	266	44	business	business	NOUN
gp-282	266	45	vol	vol	NOUN
gp-282	266	46	.	.	PROPN
gp-282	267	1	4	4	NUM
gp-282	267	2	no	no	NOUN
gp-282	267	3	.	.	NOUN
gp-282	268	1	7	7	NUM
gp-282	268	2	july	july	PROPN
gp-282	268	3	2025	2025	NUM
gp-282	268	4	1038	1038	NUM
gp-282	268	5	encouragement	encouragement	NOUN
gp-282	268	6	according	accord	VERB
gp-282	268	7	to	to	ADP
gp-282	268	8	their	their	PRON
gp-282	268	9	needs	need	NOUN
gp-282	268	10	,	,	PUNCT
gp-282	268	11	in	in	ADP
gp-282	268	12	order	order	NOUN
gp-282	268	13	to	to	PART
gp-282	268	14	improve	improve	VERB
gp-282	268	15	work	work	NOUN
gp-282	268	16	effectiveness	effectiveness	NOUN
gp-282	268	17	and	and	CCONJ
gp-282	268	18	achieve	achieve	VERB
gp-282	268	19	set	set	ADJ
gp-282	268	20	targets	target	NOUN
gp-282	268	21	.	.	PUNCT
gp-282	269	1	conclusion	conclusion	VERB
gp-282	269	2	the	the	DET
gp-282	269	3	conclusions	conclusion	NOUN
gp-282	269	4	that	that	PRON
gp-282	269	5	can	can	AUX
gp-282	269	6	be	be	AUX
gp-282	269	7	drawn	draw	VERB
gp-282	269	8	from	from	ADP
gp-282	269	9	the	the	DET
gp-282	269	10	results	result	NOUN
gp-282	269	11	and	and	CCONJ
gp-282	269	12	discussion	discussion	NOUN
gp-282	269	13	of	of	ADP
gp-282	269	14	this	this	DET
gp-282	269	15	research	research	NOUN
gp-282	269	16	are	be	AUX
gp-282	269	17	as	as	SCONJ
gp-282	269	18	follows	follow	VERB
gp-282	269	19	:	:	PUNCT
gp-282	269	20	competency	competency	NOUN
gp-282	269	21	has	have	VERB
gp-282	269	22	a	a	DET
gp-282	269	23	positive	positive	ADJ
gp-282	269	24	and	and	CCONJ
gp-282	269	25	significant	significant	ADJ
gp-282	269	26	influence	influence	NOUN
gp-282	269	27	on	on	ADP
gp-282	269	28	the	the	DET
gp-282	269	29	performance	performance	NOUN
gp-282	269	30	of	of	ADP
gp-282	269	31	consumer	consumer	NOUN
gp-282	269	32	loan	loan	NOUN
gp-282	269	33	aos	aos	NOUN
gp-282	269	34	at	at	ADP
gp-282	269	35	the	the	DET
gp-282	269	36	bank	bank	PROPN
gp-282	269	37	galuh	galuh	PROPN
gp-282	269	38	branch	branch	NOUN
gp-282	269	39	office	office	NOUN
gp-282	269	40	in	in	ADP
gp-282	269	41	the	the	DET
gp-282	269	42	bandung	bandung	PROPN
gp-282	269	43	region	region	NOUN
gp-282	269	44	.	.	PUNCT
gp-282	270	1	likewise	likewise	ADV
gp-282	270	2	,	,	PUNCT
gp-282	270	3	work	work	NOUN
gp-282	270	4	motivation	motivation	NOUN
gp-282	270	5	also	also	ADV
gp-282	270	6	has	have	VERB
gp-282	270	7	a	a	DET
gp-282	270	8	positive	positive	ADJ
gp-282	270	9	and	and	CCONJ
gp-282	270	10	significant	significant	ADJ
gp-282	270	11	effect	effect	NOUN
gp-282	270	12	on	on	ADP
gp-282	270	13	their	their	PRON
gp-282	270	14	performance	performance	NOUN
gp-282	270	15	.	.	PUNCT
gp-282	271	1	the	the	DET
gp-282	271	2	influence	influence	NOUN
gp-282	271	3	of	of	ADP
gp-282	271	4	competency	competency	NOUN
gp-282	271	5	(	(	PUNCT
gp-282	271	6	x1	x1	PROPN
gp-282	271	7	)	)	PUNCT
gp-282	271	8	and	and	CCONJ
gp-282	271	9	work	work	NOUN
gp-282	271	10	motivation	motivation	NOUN
gp-282	271	11	(	(	PUNCT
gp-282	271	12	x2	x2	NOUN
gp-282	271	13	)	)	PUNCT
gp-282	271	14	on	on	ADP
gp-282	271	15	performance	performance	NOUN
gp-282	271	16	(	(	PUNCT
gp-282	271	17	y	y	NOUN
gp-282	271	18	)	)	PUNCT
gp-282	271	19	simultaneously	simultaneously	ADV
gp-282	271	20	is	be	AUX
gp-282	271	21	57.1	57.1	NUM
gp-282	271	22	%	%	NOUN
gp-282	271	23	,	,	PUNCT
gp-282	271	24	as	as	SCONJ
gp-282	271	25	shown	show	VERB
gp-282	271	26	by	by	ADP
gp-282	271	27	the	the	DET
gp-282	271	28	adjusted	adjust	VERB
gp-282	271	29	r²	r²	NOUN
gp-282	271	30	value	value	NOUN
gp-282	271	31	in	in	ADP
gp-282	271	32	the	the	DET
gp-282	271	33	regression	regression	NOUN
gp-282	271	34	analysis	analysis	NOUN
gp-282	271	35	.	.	PUNCT
gp-282	272	1	this	this	PRON
gp-282	272	2	means	mean	VERB
gp-282	272	3	that	that	SCONJ
gp-282	272	4	more	more	ADJ
gp-282	272	5	than	than	ADP
gp-282	272	6	half	half	NOUN
gp-282	272	7	of	of	ADP
gp-282	272	8	the	the	DET
gp-282	272	9	variation	variation	NOUN
gp-282	272	10	in	in	ADP
gp-282	272	11	ao	ao	PROPN
gp-282	272	12	performance	performance	NOUN
gp-282	272	13	can	can	AUX
gp-282	272	14	be	be	AUX
gp-282	272	15	explained	explain	VERB
gp-282	272	16	by	by	ADP
gp-282	272	17	the	the	DET
gp-282	272	18	combined	combine	VERB
gp-282	272	19	improvement	improvement	NOUN
gp-282	272	20	of	of	ADP
gp-282	272	21	their	their	PRON
gp-282	272	22	competency	competency	NOUN
gp-282	272	23	and	and	CCONJ
gp-282	272	24	motivation	motivation	NOUN
gp-282	272	25	.	.	PUNCT
gp-282	273	1	to	to	PART
gp-282	273	2	improve	improve	VERB
gp-282	273	3	performance	performance	NOUN
gp-282	273	4	,	,	PUNCT
gp-282	273	5	the	the	DET
gp-282	273	6	company	company	NOUN
gp-282	273	7	should	should	AUX
gp-282	273	8	focus	focus	VERB
gp-282	273	9	on	on	ADP
gp-282	273	10	enhancing	enhance	VERB
gp-282	273	11	both	both	DET
gp-282	273	12	competency	competency	NOUN
gp-282	273	13	and	and	CCONJ
gp-282	273	14	motivation	motivation	NOUN
gp-282	273	15	through	through	ADP
gp-282	273	16	targeted	target	VERB
gp-282	273	17	interventions	intervention	NOUN
gp-282	273	18	,	,	PUNCT
gp-282	273	19	such	such	ADJ
gp-282	273	20	as	as	ADP
gp-282	273	21	competency	competency	NOUN
gp-282	273	22	-	-	PUNCT
gp-282	273	23	based	base	VERB
gp-282	273	24	development	development	NOUN
gp-282	273	25	programs	program	NOUN
gp-282	273	26	,	,	PUNCT
gp-282	273	27	trust	trust	NOUN
gp-282	273	28	-	-	PUNCT
gp-282	273	29	building	building	NOUN
gp-282	273	30	,	,	PUNCT
gp-282	273	31	recognition	recognition	NOUN
gp-282	273	32	,	,	PUNCT
gp-282	273	33	and	and	CCONJ
gp-282	273	34	a	a	DET
gp-282	273	35	better	well	ADJ
gp-282	273	36	reward	reward	NOUN
gp-282	273	37	system	system	NOUN
gp-282	273	38	that	that	PRON
gp-282	273	39	reflects	reflect	VERB
gp-282	273	40	actual	actual	ADJ
gp-282	273	41	responsibilities	responsibility	NOUN
gp-282	273	42	.	.	PUNCT
gp-282	274	1	references	reference	NOUN
gp-282	274	2	anggraini	anggraini	NOUN
gp-282	274	3	,	,	PUNCT
gp-282	274	4	l.	l.	PROPN
gp-282	274	5	,	,	PUNCT
gp-282	274	6	&	&	CCONJ
gp-282	274	7	nugroho	nugroho	PROPN
gp-282	274	8	,	,	PUNCT
gp-282	274	9	y.	y.	PROPN
gp-282	274	10	(	(	PUNCT
gp-282	274	11	2019	2019	NUM
gp-282	274	12	)	)	PUNCT
gp-282	274	13	.	.	PUNCT
gp-282	275	1	analisis	analisis	PROPN
gp-282	275	2	kinerja	kinerja	PROPN
gp-282	275	3	account	account	NOUN
gp-282	275	4	officer	officer	NOUN
gp-282	275	5	dalam	dalam	PROPN
gp-282	275	6	meningkatkan	meningkatkan	PROPN
gp-282	275	7	kualitas	kualitas	PROPN
gp-282	275	8	kredit	kredit	PROPN
gp-282	275	9	pada	pada	PROPN
gp-282	275	10	bank	bank	PROPN
gp-282	275	11	perkreditan	perkreditan	PROPN
gp-282	275	12	rakyat	rakyat	PROPN
gp-282	275	13	.	.	PUNCT
gp-282	276	1	jurnal	jurnal	ADJ
gp-282	276	2	ilmiah	ilmiah	PROPN
gp-282	276	3	ekonomi	ekonomi	PROPN
gp-282	276	4	dan	dan	PROPN
gp-282	276	5	bisnis	bisnis	PROPN
gp-282	276	6	,	,	PUNCT
gp-282	276	7	16(2	16(2	NUM
gp-282	276	8	)	)	PUNCT
gp-282	276	9	,	,	PUNCT
gp-282	276	10	103	103	NUM
gp-282	276	11	–	–	SYM
gp-282	276	12	111	111	NUM
gp-282	276	13	.	.	PUNCT
gp-282	277	1	https://doi.org/10.1234/jieb.v16i2.345	https://doi.org/10.1234/jieb.v16i2.345	PROPN
gp-282	277	2	beccalli	beccalli	PROPN
gp-282	277	3	,	,	PUNCT
gp-282	277	4	e.	e.	PROPN
gp-282	277	5	,	,	PUNCT
gp-282	277	6	frantz	frantz	PROPN
gp-282	277	7	,	,	PUNCT
gp-282	277	8	p.	p.	NOUN
gp-282	277	9	,	,	PUNCT
gp-282	277	10	&	&	CCONJ
gp-282	277	11	parisi	parisi	PROPN
gp-282	277	12	,	,	PUNCT
gp-282	277	13	l.	l.	PROPN
gp-282	277	14	(	(	PUNCT
gp-282	277	15	2015	2015	NUM
gp-282	277	16	)	)	PUNCT
gp-282	277	17	.	.	PUNCT
gp-282	278	1	financial	financial	ADJ
gp-282	278	2	structure	structure	NOUN
gp-282	278	3	,	,	PUNCT
gp-282	278	4	efficiency	efficiency	NOUN
gp-282	278	5	and	and	CCONJ
gp-282	278	6	profitability	profitability	NOUN
gp-282	278	7	in	in	ADP
gp-282	278	8	european	european	ADJ
gp-282	278	9	banks	bank	NOUN
gp-282	278	10	.	.	PUNCT
gp-282	279	1	applied	apply	VERB
gp-282	279	2	financial	financial	ADJ
gp-282	279	3	economics	economic	NOUN
gp-282	279	4	,	,	PUNCT
gp-282	279	5	25(1	25(1	NUM
gp-282	279	6	)	)	PUNCT
gp-282	279	7	,	,	PUNCT
gp-282	279	8	1–16	1–16	PROPN
gp-282	279	9	.	.	PUNCT
gp-282	280	1	https://doi.org/10.1080/09603107.2014.935475	https://doi.org/10.1080/09603107.2014.935475	PROPN
gp-282	280	2	berger	berger	PROPN
gp-282	280	3	,	,	PUNCT
gp-282	280	4	a.	a.	PROPN
gp-282	280	5	n.	n.	PROPN
gp-282	280	6	,	,	PUNCT
gp-282	280	7	&	&	CCONJ
gp-282	280	8	bouwman	bouwman	PROPN
gp-282	280	9	,	,	PUNCT
gp-282	280	10	c.	c.	PROPN
gp-282	280	11	h.	h.	PROPN
gp-282	280	12	s.	s.	PROPN
gp-282	280	13	(	(	PUNCT
gp-282	280	14	2013	2013	NUM
gp-282	280	15	)	)	PUNCT
gp-282	280	16	.	.	PUNCT
gp-282	281	1	how	how	SCONJ
gp-282	281	2	does	do	AUX
gp-282	281	3	capital	capital	NOUN
gp-282	281	4	affect	affect	VERB
gp-282	281	5	bank	bank	NOUN
gp-282	281	6	performance	performance	NOUN
gp-282	281	7	during	during	ADP
gp-282	281	8	financial	financial	ADJ
gp-282	281	9	crises	crisis	NOUN
gp-282	281	10	?	?	PUNCT
gp-282	282	1	journal	journal	NOUN
gp-282	282	2	of	of	ADP
gp-282	282	3	financial	financial	ADJ
gp-282	282	4	economics	economic	NOUN
gp-282	282	5	,	,	PUNCT
gp-282	282	6	109(1	109(1	NUM
gp-282	282	7	)	)	PUNCT
gp-282	282	8	,	,	PUNCT
gp-282	282	9	146–176	146–176	NUM
gp-282	282	10	.	.	PUNCT
gp-282	283	1	https://doi.org/10.1016/j.jfineco.2013.02.008	https://doi.org/10.1016/j.jfineco.2013.02.008	NOUN
gp-282	283	2	bitar	bitar	PROPN
gp-282	283	3	,	,	PUNCT
gp-282	283	4	m.	m.	NOUN
gp-282	283	5	,	,	PUNCT
gp-282	283	6	pukthuanthong	pukthuanthong	NOUN
gp-282	283	7	,	,	PUNCT
gp-282	283	8	k.	k.	PROPN
gp-282	283	9	,	,	PUNCT
gp-282	283	10	&	&	CCONJ
gp-282	283	11	walker	walker	PROPN
gp-282	283	12	,	,	PUNCT
gp-282	283	13	t.	t.	PROPN
gp-282	283	14	(	(	PUNCT
gp-282	283	15	2018	2018	NUM
gp-282	283	16	)	)	PUNCT
gp-282	283	17	.	.	PUNCT
gp-282	284	1	efficiency	efficiency	NOUN
gp-282	284	2	in	in	ADP
gp-282	284	3	islamic	islamic	PROPN
gp-282	284	4	vs.	vs.	ADP
gp-282	284	5	conventional	conventional	ADJ
gp-282	284	6	banking	banking	NOUN
gp-282	284	7	:	:	PUNCT
gp-282	284	8	the	the	DET
gp-282	284	9	role	role	NOUN
gp-282	284	10	of	of	ADP
gp-282	284	11	capital	capital	NOUN
gp-282	284	12	and	and	CCONJ
gp-282	284	13	liquidity	liquidity	NOUN
gp-282	284	14	.	.	PUNCT
gp-282	285	1	global	global	ADJ
gp-282	285	2	finance	finance	PROPN
gp-282	285	3	journal	journal	NOUN
gp-282	285	4	,	,	PUNCT
gp-282	285	5	38	38	NUM
gp-282	285	6	,	,	PUNCT
gp-282	285	7	1–15	1–15	NUM
gp-282	285	8	.	.	PUNCT
gp-282	286	1	https://doi.org/10.1016/j.gfj.2018.01.006	https://doi.org/10.1016/j.gfj.2018.01.006	NOUN
gp-282	286	2	delis	deli	NOUN
gp-282	286	3	,	,	PUNCT
gp-282	286	4	m.	m.	NOUN
gp-282	286	5	d.	d.	PROPN
gp-282	286	6	,	,	PUNCT
gp-282	286	7	&	&	CCONJ
gp-282	286	8	kouretas	kouretas	PROPN
gp-282	286	9	,	,	PUNCT
gp-282	286	10	g.	g.	PROPN
gp-282	286	11	p.	p.	PROPN
gp-282	286	12	(	(	PUNCT
gp-282	286	13	2011	2011	NUM
gp-282	286	14	)	)	PUNCT
gp-282	286	15	.	.	PUNCT
gp-282	287	1	interest	interest	NOUN
gp-282	287	2	rates	rate	NOUN
gp-282	287	3	and	and	CCONJ
gp-282	287	4	bank	bank	NOUN
gp-282	287	5	risk	risk	NOUN
gp-282	287	6	-	-	PUNCT
gp-282	287	7	taking	taking	NOUN
gp-282	287	8	.	.	PUNCT
gp-282	288	1	journal	journal	PROPN
gp-282	288	2	of	of	ADP
gp-282	288	3	banking	banking	NOUN
gp-282	288	4	&	&	CCONJ
gp-282	288	5	finance	finance	NOUN
gp-282	288	6	,	,	PUNCT
gp-282	288	7	35(4	35(4	NUM
gp-282	288	8	)	)	PUNCT
gp-282	288	9	,	,	PUNCT
gp-282	288	10	840–855	840–855	NUM
gp-282	288	11	.	.	PUNCT
gp-282	289	1	https://doi.org/10.1016/j.jbankfin.2010.09.032	https://doi.org/10.1016/j.jbankfin.2010.09.032	PRON
gp-282	289	2	fitriani	fitriani	PROPN
gp-282	289	3	,	,	PUNCT
gp-282	289	4	e.	e.	PROPN
gp-282	289	5	,	,	PUNCT
gp-282	289	6	&	&	CCONJ
gp-282	289	7	santosa	santosa	PROPN
gp-282	289	8	,	,	PUNCT
gp-282	289	9	p.	p.	NOUN
gp-282	289	10	w.	w.	PROPN
gp-282	289	11	(	(	PUNCT
gp-282	289	12	2021	2021	NUM
gp-282	289	13	)	)	PUNCT
gp-282	289	14	.	.	PUNCT
gp-282	290	1	the	the	DET
gp-282	290	2	role	role	NOUN
gp-282	290	3	of	of	ADP
gp-282	290	4	account	account	NOUN
gp-282	290	5	officers	officer	NOUN
gp-282	290	6	’	’	PART
gp-282	290	7	competency	competency	NOUN
gp-282	290	8	on	on	ADP
gp-282	290	9	credit	credit	NOUN
gp-282	290	10	risk	risk	NOUN
gp-282	290	11	management	management	NOUN
gp-282	290	12	in	in	ADP
gp-282	290	13	regional	regional	ADJ
gp-282	290	14	banks	bank	NOUN
gp-282	290	15	.	.	PUNCT
gp-282	291	1	jurnal	jurnal	ADJ
gp-282	291	2	keuangan	keuangan	PROPN
gp-282	291	3	dan	dan	PROPN
gp-282	291	4	perbankan	perbankan	PROPN
gp-282	291	5	,	,	PUNCT
gp-282	291	6	25(1	25(1	NUM
gp-282	291	7	)	)	PUNCT
gp-282	291	8	,	,	PUNCT
gp-282	291	9	22–34	22–34	NUM
gp-282	291	10	.	.	PUNCT
gp-282	291	11	https://doi.org/10.26905/jkdp.v25i1.5732	https://doi.org/10.26905/jkdp.v25i1.5732	X
gp-282	291	12	hasibuan	hasibuan	PROPN
gp-282	291	13	,	,	PUNCT
gp-282	291	14	m.	m.	NOUN
gp-282	291	15	s.	s.	PROPN
gp-282	291	16	p.	p.	PROPN
gp-282	291	17	,	,	PUNCT
gp-282	291	18	&	&	CCONJ
gp-282	291	19	panggabean	panggabean	PROPN
gp-282	291	20	,	,	PUNCT
gp-282	291	21	h.	h.	PROPN
gp-282	291	22	(	(	PUNCT
gp-282	291	23	2021	2021	NUM
gp-282	291	24	)	)	PUNCT
gp-282	291	25	.	.	PUNCT
gp-282	292	1	peran	peran	PROPN
gp-282	292	2	bank	bank	PROPN
gp-282	292	3	pembangunan	pembangunan	PROPN
gp-282	292	4	daerah	daerah	PROPN
gp-282	292	5	dalam	dalam	PROPN
gp-282	292	6	pertumbuhan	pertumbuhan	PROPN
gp-282	292	7	ekonomi	ekonomi	PROPN
gp-282	292	8	wilayah	wilayah	NOUN
gp-282	292	9	.	.	PUNCT
gp-282	293	1	jurnal	jurnal	PROPN
gp-282	293	2	pembangunan	pembangunan	PROPN
gp-282	293	3	daerah	daerah	PROPN
gp-282	293	4	,	,	PUNCT
gp-282	293	5	13(1	13(1	NUM
gp-282	293	6	)	)	PUNCT
gp-282	293	7	,	,	PUNCT
gp-282	293	8	45–59	45–59	NOUN
gp-282	293	9	.	.	PUNCT
gp-282	294	1	https://doi.org/10.15294/jpd.v13i1.7529	https://doi.org/10.15294/jpd.v13i1.7529	ADP
gp-282	294	2	herzberg	herzberg	PROPN
gp-282	294	3	,	,	PUNCT
gp-282	294	4	f.	f.	PROPN
gp-282	294	5	(	(	PUNCT
gp-282	294	6	1966	1966	NUM
gp-282	294	7	)	)	PUNCT
gp-282	294	8	.	.	PUNCT
gp-282	295	1	work	work	NOUN
gp-282	295	2	and	and	CCONJ
gp-282	295	3	the	the	DET
gp-282	295	4	nature	nature	NOUN
gp-282	295	5	of	of	ADP
gp-282	295	6	man	man	NOUN
gp-282	295	7	.	.	PUNCT
gp-282	296	1	world	world	NOUN
gp-282	296	2	publishing	publishing	NOUN
gp-282	296	3	.	.	PUNCT
gp-282	297	1	kapelko	kapelko	ADJ
gp-282	297	2	,	,	PUNCT
gp-282	297	3	m.	m.	NOUN
gp-282	297	4	,	,	PUNCT
gp-282	297	5	lansink	lansink	ADJ
gp-282	297	6	,	,	PUNCT
gp-282	297	7	a.	a.	NOUN
gp-282	297	8	o.	o.	PROPN
gp-282	297	9	,	,	PUNCT
gp-282	297	10	&	&	CCONJ
gp-282	297	11	stefanou	stefanou	PROPN
gp-282	297	12	,	,	PUNCT
gp-282	297	13	s.	s.	PROPN
gp-282	297	14	e.	e.	PROPN
gp-282	297	15	(	(	PUNCT
gp-282	297	16	2015	2015	NUM
gp-282	297	17	)	)	PUNCT
gp-282	297	18	.	.	PUNCT
gp-282	298	1	assessing	assess	VERB
gp-282	298	2	dynamic	dynamic	ADJ
gp-282	298	3	inefficiency	inefficiency	NOUN
gp-282	298	4	of	of	ADP
gp-282	298	5	the	the	DET
gp-282	298	6	banking	banking	NOUN
gp-282	298	7	sector	sector	NOUN
gp-282	298	8	:	:	PUNCT
gp-282	298	9	evidence	evidence	NOUN
gp-282	298	10	from	from	ADP
gp-282	298	11	eastern	eastern	ADJ
gp-282	298	12	european	european	ADJ
gp-282	298	13	countries	country	NOUN
gp-282	298	14	.	.	PUNCT
gp-282	299	1	omega	omega	NOUN
gp-282	299	2	,	,	PUNCT
gp-282	299	3	51	51	NUM
gp-282	299	4	,	,	PUNCT
gp-282	299	5	124–132	124–132	NUM
gp-282	299	6	.	.	PUNCT
gp-282	300	1	https://doi.org/10.1016/j.omega.2014.09.004	https://doi.org/10.1016/j.omega.2014.09.004	NOUN
gp-282	300	2	louzis	louzi	NOUN
gp-282	300	3	,	,	PUNCT
gp-282	300	4	d.	d.	PROPN
gp-282	300	5	p.	p.	PROPN
gp-282	300	6	,	,	PUNCT
gp-282	300	7	vouldis	vouldis	PROPN
gp-282	300	8	,	,	PUNCT
gp-282	300	9	a.	a.	NOUN
gp-282	300	10	t.	t.	PROPN
gp-282	300	11	,	,	PUNCT
gp-282	300	12	&	&	CCONJ
gp-282	300	13	metaxas	metaxas	PROPN
gp-282	300	14	,	,	PUNCT
gp-282	300	15	v.	v.	ADP
gp-282	300	16	l.	l.	PROPN
gp-282	300	17	(	(	PUNCT
gp-282	300	18	2012	2012	NUM
gp-282	300	19	)	)	PUNCT
gp-282	300	20	.	.	PUNCT
gp-282	301	1	macroeconomic	macroeconomic	ADJ
gp-282	301	2	and	and	CCONJ
gp-282	301	3	bank	bank	NOUN
gp-282	301	4	-	-	PUNCT
gp-282	301	5	specific	specific	ADJ
gp-282	301	6	determinants	determinant	NOUN
gp-282	301	7	of	of	ADP
gp-282	301	8	non	non	ADJ
gp-282	301	9	-	-	ADJ
gp-282	301	10	performing	performing	ADJ
gp-282	301	11	loans	loan	NOUN
gp-282	301	12	in	in	ADP
gp-282	301	13	greece	greece	PROPN
gp-282	301	14	.	.	PROPN
gp-282	301	15	journal	journal	PROPN
gp-282	301	16	of	of	ADP
gp-282	301	17	banking	banking	NOUN
gp-282	301	18	&	&	CCONJ
gp-282	301	19	finance	finance	PROPN
gp-282	301	20	,	,	PUNCT
gp-282	301	21	36(4	36(4	NUM
gp-282	301	22	)	)	PUNCT
gp-282	301	23	,	,	PUNCT
gp-282	301	24	1012	1012	NUM
gp-282	301	25	–	–	PUNCT
gp-282	301	26	1027	1027	NUM
gp-282	301	27	.	.	PUNCT
gp-282	302	1	https://doi.org/10.1016/j.jbankfin.2011.10.012	https://doi.org/10.1016/j.jbankfin.2011.10.012	PROPN
gp-282	302	2	https://doi.org/10.1234/jieb.v16i2.345	https://doi.org/10.1234/jieb.v16i2.345	PROPN
gp-282	302	3	https://doi.org/10.1080/09603107.2014.935475	https://doi.org/10.1080/09603107.2014.935475	PROPN
gp-282	302	4	https://doi.org/10.1016/j.jfineco.2013.02.008	https://doi.org/10.1016/j.jfineco.2013.02.008	NOUN
gp-282	302	5	https://doi.org/10.1016/j.gfj.2018.01.006	https://doi.org/10.1016/j.gfj.2018.01.006	NOUN
gp-282	302	6	https://doi.org/10.1016/j.jbankfin.2010.09.032	https://doi.org/10.1016/j.jbankfin.2010.09.032	NOUN
gp-282	302	7	https://doi.org/10.26905/jkdp.v25i1.5732	https://doi.org/10.26905/jkdp.v25i1.5732	NUM
gp-282	302	8	https://doi.org/10.15294/jpd.v13i1.7529	https://doi.org/10.15294/jpd.v13i1.7529	ADP
gp-282	302	9	https://doi.org/10.1016/j.omega.2014.09.004	https://doi.org/10.1016/j.omega.2014.09.004	PRON
gp-282	302	10	https://doi.org/10.1016/j.jbankfin.2011.10.012	https://doi.org/10.1016/j.jbankfin.2011.10.012	PROPN
gp-282	302	11	tiara	tiara	PROPN
gp-282	302	12	agustina	agustina	PROPN
gp-282	302	13	,	,	PUNCT
gp-282	302	14	achmad	achmad	PROPN
gp-282	302	15	ghazali	ghazali	ADJ
gp-282	302	16	1039	1039	NUM
gp-282	302	17	raharjo	raharjo	NOUN
gp-282	302	18	,	,	PUNCT
gp-282	302	19	p.	p.	PROPN
gp-282	302	20	,	,	PUNCT
gp-282	302	21	juwita	juwita	PROPN
gp-282	302	22	,	,	PUNCT
gp-282	302	23	d.	d.	PROPN
gp-282	302	24	,	,	PUNCT
gp-282	302	25	&	&	CCONJ
gp-282	302	26	pramudito	pramudito	PROPN
gp-282	302	27	,	,	PUNCT
gp-282	302	28	a.	a.	PROPN
gp-282	302	29	(	(	PUNCT
gp-282	302	30	2020	2020	NUM
gp-282	302	31	)	)	PUNCT
gp-282	302	32	.	.	PUNCT
gp-282	303	1	performa	performa	PROPN
gp-282	303	2	account	account	PROPN
gp-282	303	3	officer	officer	NOUN
gp-282	303	4	dalam	dalam	PROPN
gp-282	303	5	proses	proses	PROPN
gp-282	303	6	pemberian	pemberian	PROPN
gp-282	303	7	kredit	kredit	PROPN
gp-282	303	8	konsumsi	konsumsi	PROPN
gp-282	303	9	pada	pada	PROPN
gp-282	303	10	bank	bank	PROPN
gp-282	303	11	daerah	daerah	PROPN
gp-282	303	12	.	.	PUNCT
gp-282	304	1	jurnal	jurnal	ADJ
gp-282	304	2	manajemen	manajeman	NOUN
gp-282	304	3	dan	dan	PROPN
gp-282	304	4	bisnis	bisnis	PROPN
gp-282	304	5	indonesia	indonesia	PROPN
gp-282	304	6	,	,	PUNCT
gp-282	304	7	6(2	6(2	NUM
gp-282	304	8	)	)	PUNCT
gp-282	304	9	,	,	PUNCT
gp-282	305	1	118–127	118–127	NUM
gp-282	305	2	.	.	PUNCT
gp-282	306	1	https://doi.org/10.31294/jmbi.v6i2.6892	https://doi.org/10.31294/jmbi.v6i2.6892	PROPN
gp-282	306	2	spencer	spencer	PROPN
gp-282	306	3	,	,	PUNCT
gp-282	306	4	l.	l.	PROPN
gp-282	306	5	m.	m.	PROPN
gp-282	306	6	,	,	PUNCT
gp-282	306	7	&	&	CCONJ
gp-282	306	8	spencer	spencer	PROPN
gp-282	306	9	,	,	PUNCT
gp-282	306	10	s.	s.	PROPN
gp-282	306	11	m.	m.	PROPN
gp-282	306	12	(	(	PUNCT
gp-282	306	13	1993	1993	NUM
gp-282	306	14	)	)	PUNCT
gp-282	306	15	.	.	PUNCT
gp-282	307	1	competence	competence	NOUN
gp-282	307	2	at	at	ADP
gp-282	307	3	work	work	NOUN
gp-282	307	4	:	:	PUNCT
gp-282	307	5	models	model	NOUN
gp-282	307	6	for	for	ADP
gp-282	307	7	superior	superior	ADJ
gp-282	307	8	performance	performance	NOUN
gp-282	307	9	.	.	PUNCT
gp-282	308	1	john	john	PROPN
gp-282	308	2	wiley	wiley	PROPN
gp-282	308	3	&	&	CCONJ
gp-282	308	4	sons	son	NOUN
gp-282	308	5	.	.	PUNCT
gp-282	309	1	sutanto	sutanto	PROPN
gp-282	309	2	,	,	PUNCT
gp-282	309	3	e.	e.	PROPN
gp-282	309	4	m.	m.	PROPN
gp-282	309	5	,	,	PUNCT
gp-282	309	6	&	&	CCONJ
gp-282	309	7	dewi	dewi	PROPN
gp-282	309	8	,	,	PUNCT
gp-282	309	9	r.	r.	PROPN
gp-282	309	10	k.	k.	PROPN
gp-282	309	11	(	(	PUNCT
gp-282	309	12	2020	2020	NUM
gp-282	309	13	)	)	PUNCT
gp-282	309	14	.	.	PUNCT
gp-282	310	1	human	human	ADJ
gp-282	310	2	capital	capital	NOUN
gp-282	310	3	quality	quality	NOUN
gp-282	310	4	and	and	CCONJ
gp-282	310	5	bank	bank	NOUN
gp-282	310	6	performance	performance	NOUN
gp-282	310	7	:	:	PUNCT
gp-282	310	8	evidence	evidence	NOUN
gp-282	310	9	from	from	ADP
gp-282	310	10	indonesian	indonesian	ADJ
gp-282	310	11	banking	banking	NOUN
gp-282	310	12	industry	industry	NOUN
gp-282	310	13	.	.	PUNCT
gp-282	311	1	asian	asian	ADJ
gp-282	311	2	journal	journal	PROPN
gp-282	311	3	of	of	ADP
gp-282	311	4	business	business	NOUN
gp-282	311	5	and	and	CCONJ
gp-282	311	6	accounting	accounting	NOUN
gp-282	311	7	,	,	PUNCT
gp-282	311	8	13(2	13(2	NOUN
gp-282	311	9	)	)	PUNCT
gp-282	311	10	,	,	PUNCT
gp-282	311	11	29–52	29–52	NUM
gp-282	311	12	.	.	PUNCT
gp-282	312	1	https://doi.org/10.22452/ajba.vol13no2.2	https://doi.org/10.22452/ajba.vol13no2.2	ADJ
gp-282	312	2	suryani	suryani	PROPN
gp-282	312	3	,	,	PUNCT
gp-282	312	4	e.	e.	PROPN
gp-282	312	5	,	,	PUNCT
gp-282	312	6	&	&	CCONJ
gp-282	312	7	yulianto	yulianto	PROPN
gp-282	312	8	,	,	PUNCT
gp-282	312	9	a.	a.	NOUN
gp-282	312	10	(	(	PUNCT
gp-282	312	11	2022	2022	NUM
gp-282	312	12	)	)	PUNCT
gp-282	312	13	.	.	PUNCT
gp-282	313	1	governance	governance	NOUN
gp-282	313	2	and	and	CCONJ
gp-282	313	3	compliance	compliance	NOUN
gp-282	313	4	in	in	ADP
gp-282	313	5	retail	retail	ADJ
gp-282	313	6	banking	banking	NOUN
gp-282	313	7	:	:	PUNCT
gp-282	313	8	role	role	NOUN
gp-282	313	9	of	of	ADP
gp-282	313	10	frontline	frontline	NOUN
gp-282	313	11	credit	credit	NOUN
gp-282	313	12	officers	officer	NOUN
gp-282	313	13	.	.	PUNCT
gp-282	314	1	journal	journal	NOUN
gp-282	314	2	of	of	ADP
gp-282	314	3	risk	risk	NOUN
gp-282	314	4	and	and	CCONJ
gp-282	314	5	financial	financial	ADJ
gp-282	314	6	management	management	NOUN
gp-282	314	7	,	,	PUNCT
gp-282	314	8	15(3	15(3	NUM
gp-282	314	9	)	)	PUNCT
gp-282	314	10	,	,	PUNCT
gp-282	314	11	115	115	NUM
gp-282	314	12	.	.	PUNCT
gp-282	315	1	https://doi.org/10.3390/jrfm15030115	https://doi.org/10.3390/jrfm15030115	PROPN
gp-282	315	2	vahid	vahid	PROPN
gp-282	315	3	-	-	PUNCT
gp-282	315	4	golpayegani	golpayegani	PROPN
gp-282	315	5	,	,	PUNCT
gp-282	315	6	s.	s.	PROPN
gp-282	315	7	(	(	PUNCT
gp-282	315	8	2024	2024	NUM
gp-282	315	9	)	)	PUNCT
gp-282	315	10	.	.	PUNCT
gp-282	316	1	study	study	NOUN
gp-282	316	2	on	on	ADP
gp-282	316	3	the	the	DET
gp-282	316	4	link	link	NOUN
gp-282	316	5	between	between	ADP
gp-282	316	6	working	work	VERB
gp-282	316	7	capital	capital	NOUN
gp-282	316	8	management	management	NOUN
gp-282	316	9	and	and	CCONJ
gp-282	316	10	sustainability	sustainability	NOUN
gp-282	316	11	issues	issue	NOUN
gp-282	316	12	.	.	PUNCT
gp-282	317	1	wulandari	wulandari	PROPN
gp-282	317	2	,	,	PUNCT
gp-282	317	3	f.	f.	PROPN
gp-282	317	4	,	,	PUNCT
gp-282	317	5	&	&	CCONJ
gp-282	317	6	saputra	saputra	PROPN
gp-282	317	7	,	,	PUNCT
gp-282	317	8	h.	h.	PROPN
gp-282	317	9	(	(	PUNCT
gp-282	317	10	2020	2020	NUM
gp-282	317	11	)	)	PUNCT
gp-282	317	12	.	.	PUNCT
gp-282	318	1	the	the	DET
gp-282	318	2	effect	effect	NOUN
gp-282	318	3	of	of	ADP
gp-282	318	4	incentive	incentive	NOUN
gp-282	318	5	and	and	CCONJ
gp-282	318	6	training	training	NOUN
gp-282	318	7	on	on	ADP
gp-282	318	8	employee	employee	NOUN
gp-282	318	9	performance	performance	NOUN
gp-282	318	10	:	:	PUNCT
gp-282	318	11	case	case	NOUN
gp-282	318	12	study	study	NOUN
gp-282	318	13	on	on	ADP
gp-282	318	14	credit	credit	NOUN
gp-282	318	15	officers	officer	NOUN
gp-282	318	16	in	in	ADP
gp-282	318	17	bpr	bpr	PROPN
gp-282	318	18	.	.	PUNCT
gp-282	319	1	jurnal	jurnal	PROPN
gp-282	319	2	ilmu	ilmu	PROPN
gp-282	319	3	ekonomi	ekonomi	PROPN
gp-282	319	4	dan	dan	PROPN
gp-282	319	5	manajemen	manajemen	PROPN
gp-282	319	6	,	,	PUNCT
gp-282	319	7	7(1	7(1	NUM
gp-282	319	8	)	)	PUNCT
gp-282	319	9	,	,	PUNCT
gp-282	319	10	77–87	77–87	NUM
gp-282	319	11	.	.	PUNCT
gp-282	320	1	https://doi.org/10.31227/osf.io/qaz56	https://doi.org/10.31227/osf.io/qaz56	PROPN
gp-282	320	2	yilmaz	yilmaz	PROPN
gp-282	320	3	,	,	PUNCT
gp-282	320	4	a.	a.	PROPN
gp-282	320	5	k.	k.	PROPN
gp-282	320	6	,	,	PUNCT
gp-282	320	7	&	&	CCONJ
gp-282	320	8	uslu	uslu	PROPN
gp-282	320	9	,	,	PUNCT
gp-282	320	10	a.	a.	NOUN
gp-282	320	11	(	(	PUNCT
gp-282	320	12	2016	2016	NUM
gp-282	320	13	)	)	PUNCT
gp-282	320	14	.	.	PUNCT
gp-282	321	1	financial	financial	ADJ
gp-282	321	2	performance	performance	NOUN
gp-282	321	3	evaluation	evaluation	NOUN
gp-282	321	4	of	of	ADP
gp-282	321	5	turkish	turkish	ADJ
gp-282	321	6	banking	banking	NOUN
gp-282	321	7	sector	sector	NOUN
gp-282	321	8	with	with	ADP
gp-282	321	9	grey	grey	PROPN
gp-282	321	10	relational	relational	ADJ
gp-282	321	11	analysis	analysis	NOUN
gp-282	321	12	.	.	PUNCT
gp-282	322	1	procedia	procedia	ADJ
gp-282	322	2	social	social	ADJ
gp-282	322	3	and	and	CCONJ
gp-282	322	4	behavioral	behavioral	ADJ
gp-282	322	5	sciences	science	NOUN
gp-282	322	6	,	,	PUNCT
gp-282	322	7	235	235	NUM
gp-282	322	8	,	,	PUNCT
gp-282	322	9	153–163	153–163	NUM
gp-282	322	10	.	.	PUNCT
gp-282	323	1	https://doi.org/10.1016/j.sbspro.2016.11.011	https://doi.org/10.1016/j.sbspro.2016.11.011	PROPN
gp-282	323	2	copyright	copyright	NOUN
gp-282	323	3	holders	holder	NOUN
gp-282	323	4	:	:	PUNCT
gp-282	323	5	tiara	tiara	PROPN
gp-282	323	6	agustina	agustina	PROPN
gp-282	323	7	,	,	PUNCT
gp-282	323	8	achmad	achmad	PROPN
gp-282	323	9	ghazali	ghazali	PROPN
gp-282	323	10	(	(	PUNCT
gp-282	323	11	2025	2025	NUM
gp-282	323	12	)	)	PUNCT
gp-282	323	13	first	first	ADJ
gp-282	323	14	publication	publication	NOUN
gp-282	323	15	right	right	NOUN
gp-282	323	16	:	:	PUNCT
gp-282	323	17	ajemb	ajemb	PROPN
gp-282	323	18	–	–	PUNCT
gp-282	323	19	american	american	ADJ
gp-282	323	20	journal	journal	PROPN
gp-282	323	21	of	of	ADP
gp-282	323	22	economic	economic	ADJ
gp-282	323	23	and	and	CCONJ
gp-282	323	24	management	management	NOUN
gp-282	323	25	business	business	NOUN
gp-282	323	26	https://doi.org/10.31294/jmbi.v6i2.6892	https://doi.org/10.31294/jmbi.v6i2.6892	PROPN
gp-282	324	1	https://doi.org/10.22452/ajba.vol13no2.2	https://doi.org/10.22452/ajba.vol13no2.2	PROPN
gp-282	324	2	https://doi.org/10.3390/jrfm15030115	https://doi.org/10.3390/jrfm15030115	PROPN
gp-282	324	3	https://doi.org/10.31227/osf.io/qaz56	https://doi.org/10.31227/osf.io/qaz56	NOUN
gp-282	324	4	https://doi.org/10.1016/j.sbspro.2016.11.011	https://doi.org/10.1016/j.sbspro.2016.11.011	PROPN