id	sid	tid	token	lemma	pos
gp-286	1	1	american	american	PROPN
gp-286	1	2	journal	journal	PROPN
gp-286	1	3	of	of	ADP
gp-286	1	4	economic	economic	ADJ
gp-286	1	5	and	and	CCONJ
gp-286	1	6	management	management	NOUN
gp-286	1	7	business	business	NOUN
gp-286	1	8	p	p	X
gp-286	1	9	-	-	PUNCT
gp-286	1	10	issn	issn	NOUN
gp-286	1	11	:	:	PUNCT
gp-286	1	12	xxxx	xxxx	ADJ
gp-286	1	13	-	-	PUNCT
gp-286	1	14	xxxx	xxxx	ADJ
gp-286	1	15	e	e	NOUN
gp-286	1	16	-	-	NOUN
gp-286	1	17	issn	issn	ADJ
gp-286	1	18	:	:	PUNCT
gp-286	1	19	2835	2835	NUM
gp-286	1	20	-	-	SYM
gp-286	1	21	5199	5199	NUM
gp-286	1	22	vol	vol	NOUN
gp-286	1	23	.	.	PROPN
gp-286	1	24	4	4	NUM
gp-286	1	25	no	no	NOUN
gp-286	1	26	.	.	NOUN
gp-286	2	1	8	8	NUM
gp-286	2	2	august	august	PROPN
gp-286	2	3	2025	2025	NUM
gp-286	2	4	1226	1226	NUM
gp-286	2	5	analysis	analysis	NOUN
gp-286	2	6	of	of	ADP
gp-286	2	7	financial	financial	ADJ
gp-286	2	8	performance	performance	NOUN
gp-286	2	9	characteristics	characteristic	NOUN
gp-286	2	10	,	,	PUNCT
gp-286	2	11	collateral	collateral	ADJ
gp-286	2	12	assessment	assessment	NOUN
gp-286	2	13	and	and	CCONJ
gp-286	2	14	business	business	NOUN
gp-286	2	15	type	type	NOUN
gp-286	2	16	in	in	ADP
gp-286	2	17	the	the	DET
gp-286	2	18	decision	decision	NOUN
gp-286	2	19	to	to	PART
gp-286	2	20	provide	provide	VERB
gp-286	2	21	medium	medium	ADJ
gp-286	2	22	credit	credit	NOUN
gp-286	2	23	facilities	facility	NOUN
gp-286	2	24	at	at	ADP
gp-286	2	25	bri	bri	PROPN
gp-286	2	26	denpasar	denpasar	NOUN
gp-286	2	27	using	use	VERB
gp-286	2	28	the	the	DET
gp-286	2	29	analytical	analytical	ADJ
gp-286	2	30	hierarchy	hierarchy	NOUN
gp-286	2	31	process	process	NOUN
gp-286	2	32	method	method	NOUN
gp-286	2	33	herry	herry	NOUN
gp-286	2	34	primatama	primatama	PROPN
gp-286	2	35	*	*	PUNCT
gp-286	2	36	,	,	PUNCT
gp-286	2	37	anisah	anisah	PROPN
gp-286	2	38	firli	firli	PROPN
gp-286	2	39	universitas	universita	NOUN
gp-286	2	40	telkom	telkom	NOUN
gp-286	2	41	,	,	PUNCT
gp-286	2	42	indonesia	indonesia	PROPN
gp-286	2	43	email	email	NOUN
gp-286	2	44	:	:	PUNCT
gp-286	2	45	herryprimatama@gmail	herryprimatama@gmail	NOUN
gp-286	2	46	com	com	NOUN
gp-286	2	47	*	*	PUNCT
gp-286	2	48	abstract	abstract	NOUN
gp-286	2	49	the	the	DET
gp-286	2	50	covid-19	covid-19	PROPN
gp-286	2	51	pandemic	pandemic	NOUN
gp-286	2	52	caused	cause	VERB
gp-286	2	53	an	an	DET
gp-286	2	54	increase	increase	NOUN
gp-286	2	55	in	in	ADP
gp-286	2	56	commercial	commercial	ADJ
gp-286	2	57	bank	bank	PROPN
gp-286	2	58	npl	npl	NOUN
gp-286	2	59	from	from	ADP
gp-286	2	60	2.6	2.6	NUM
gp-286	2	61	%	%	NOUN
gp-286	2	62	(	(	PUNCT
gp-286	2	63	2019	2019	NUM
gp-286	2	64	)	)	PUNCT
gp-286	2	65	to	to	ADP
gp-286	2	66	over	over	ADP
gp-286	2	67	3	3	NUM
gp-286	2	68	%	%	NOUN
gp-286	2	69	(	(	PUNCT
gp-286	2	70	2020	2020	NUM
gp-286	2	71	-	-	SYM
gp-286	2	72	2022	2022	NUM
gp-286	2	73	)	)	PUNCT
gp-286	2	74	,	,	PUNCT
gp-286	2	75	revealing	reveal	VERB
gp-286	2	76	the	the	DET
gp-286	2	77	ineffectiveness	ineffectiveness	NOUN
gp-286	2	78	of	of	ADP
gp-286	2	79	traditional	traditional	ADJ
gp-286	2	80	credit	credit	NOUN
gp-286	2	81	assessment	assessment	NOUN
gp-286	2	82	approaches	approach	NOUN
gp-286	2	83	that	that	PRON
gp-286	2	84	rely	rely	VERB
gp-286	2	85	heavily	heavily	ADV
gp-286	2	86	on	on	ADP
gp-286	2	87	collateral	collateral	NOUN
gp-286	2	88	.	.	PUNCT
gp-286	3	1	this	this	DET
gp-286	3	2	study	study	NOUN
gp-286	3	3	analyzes	analyze	VERB
gp-286	3	4	the	the	DET
gp-286	3	5	hierarchy	hierarchy	NOUN
gp-286	3	6	of	of	ADP
gp-286	3	7	criteria	criterion	NOUN
gp-286	3	8	priorities	priority	NOUN
gp-286	3	9	and	and	CCONJ
gp-286	3	10	specific	specific	ADJ
gp-286	3	11	characteristics	characteristic	NOUN
gp-286	3	12	in	in	ADP
gp-286	3	13	medium	medium	ADJ
gp-286	3	14	-	-	PUNCT
gp-286	3	15	sized	sized	ADJ
gp-286	3	16	credit	credit	NOUN
gp-286	3	17	facility	facility	NOUN
gp-286	3	18	decisions	decision	NOUN
gp-286	3	19	at	at	ADP
gp-286	3	20	bri	bri	NOUN
gp-286	3	21	denpasar	denpasar	NOUN
gp-286	3	22	using	use	VERB
gp-286	3	23	the	the	DET
gp-286	3	24	analytical	analytical	ADJ
gp-286	3	25	hierarchy	hierarchy	NOUN
gp-286	3	26	process	process	NOUN
gp-286	3	27	(	(	PUNCT
gp-286	3	28	ahp	ahp	NOUN
gp-286	3	29	)	)	PUNCT
gp-286	3	30	.	.	PUNCT
gp-286	4	1	a	a	DET
gp-286	4	2	quantitative	quantitative	ADJ
gp-286	4	3	descriptive	descriptive	ADJ
gp-286	4	4	analytical	analytical	ADJ
gp-286	4	5	method	method	NOUN
gp-286	4	6	was	be	AUX
gp-286	4	7	applied	apply	VERB
gp-286	4	8	,	,	PUNCT
gp-286	4	9	with	with	ADP
gp-286	4	10	a	a	DET
gp-286	4	11	3	3	NUM
gp-286	4	12	-	-	PUNCT
gp-286	4	13	level	level	NOUN
gp-286	4	14	hierarchical	hierarchical	ADJ
gp-286	4	15	structure	structure	NOUN
gp-286	4	16	:	:	PUNCT
gp-286	4	17	objectives	objective	NOUN
gp-286	4	18	,	,	PUNCT
gp-286	4	19	three	three	NUM
gp-286	4	20	main	main	ADJ
gp-286	4	21	criteria	criterion	NOUN
gp-286	4	22	(	(	PUNCT
gp-286	4	23	financial	financial	ADJ
gp-286	4	24	performance	performance	NOUN
gp-286	4	25	,	,	PUNCT
gp-286	4	26	collateral	collateral	ADJ
gp-286	4	27	assessment	assessment	NOUN
gp-286	4	28	,	,	PUNCT
gp-286	4	29	and	and	CCONJ
gp-286	4	30	business	business	NOUN
gp-286	4	31	type	type	NOUN
gp-286	4	32	)	)	PUNCT
gp-286	4	33	,	,	PUNCT
gp-286	4	34	and	and	CCONJ
gp-286	4	35	seven	seven	NUM
gp-286	4	36	sub	sub	NOUN
gp-286	4	37	-	-	NOUN
gp-286	4	38	criteria	criterion	NOUN
gp-286	4	39	.	.	PUNCT
gp-286	5	1	primary	primary	ADJ
gp-286	5	2	data	datum	NOUN
gp-286	5	3	were	be	AUX
gp-286	5	4	collected	collect	VERB
gp-286	5	5	from	from	ADP
gp-286	5	6	25	25	NUM
gp-286	5	7	credit	credit	NOUN
gp-286	5	8	officers	officer	NOUN
gp-286	5	9	through	through	ADP
gp-286	5	10	pairwise	pairwise	NOUN
gp-286	5	11	comparison	comparison	NOUN
gp-286	5	12	questionnaires	questionnaire	NOUN
gp-286	5	13	,	,	PUNCT
gp-286	5	14	while	while	SCONJ
gp-286	5	15	secondary	secondary	ADJ
gp-286	5	16	data	datum	NOUN
gp-286	5	17	comprised	comprise	VERB
gp-286	5	18	17	17	NUM
gp-286	5	19	medium	medium	ADJ
gp-286	5	20	-	-	PUNCT
gp-286	5	21	sized	sized	ADJ
gp-286	5	22	credit	credit	NOUN
gp-286	5	23	customer	customer	NOUN
gp-286	5	24	companies	company	NOUN
gp-286	5	25	for	for	ADP
gp-286	5	26	the	the	DET
gp-286	5	27	2022–2024	2022–2024	NUM
gp-286	5	28	period	period	NOUN
gp-286	5	29	(	(	PUNCT
gp-286	5	30	ceiling	ceiling	NOUN
gp-286	5	31	≥	≥	NUM
gp-286	5	32	rp	rp	NOUN
gp-286	5	33	25	25	NUM
gp-286	5	34	billion	billion	NUM
gp-286	5	35	,	,	PUNCT
gp-286	5	36	operating	operate	VERB
gp-286	5	37	≥	≥	NOUN
gp-286	5	38	3	3	NUM
gp-286	5	39	years	year	NOUN
gp-286	5	40	)	)	PUNCT
gp-286	5	41	.	.	PUNCT
gp-286	6	1	the	the	DET
gp-286	6	2	analysis	analysis	NOUN
gp-286	6	3	utilized	utilize	VERB
gp-286	6	4	the	the	DET
gp-286	6	5	geometric	geometric	ADJ
gp-286	6	6	mean	mean	NOUN
gp-286	6	7	and	and	CCONJ
gp-286	6	8	spicelogic	spicelogic	ADJ
gp-286	6	9	software	software	NOUN
gp-286	6	10	validation	validation	NOUN
gp-286	6	11	with	with	ADP
gp-286	6	12	cr	cr	NOUN
gp-286	6	13	≤	≤	NUM
gp-286	6	14	0.1	0.1	NUM
gp-286	6	15	.	.	PUNCT
gp-286	7	1	results	result	NOUN
gp-286	7	2	show	show	VERB
gp-286	7	3	financial	financial	ADJ
gp-286	7	4	performance	performance	NOUN
gp-286	7	5	dominance	dominance	NOUN
gp-286	7	6	(	(	PUNCT
gp-286	7	7	54.8	54.8	NUM
gp-286	7	8	%	%	NOUN
gp-286	7	9	)	)	PUNCT
gp-286	7	10	,	,	PUNCT
gp-286	7	11	followed	follow	VERB
gp-286	7	12	by	by	ADP
gp-286	7	13	business	business	NOUN
gp-286	7	14	type	type	NOUN
gp-286	7	15	(	(	PUNCT
gp-286	7	16	24.1	24.1	NUM
gp-286	7	17	%	%	NOUN
gp-286	7	18	)	)	PUNCT
gp-286	7	19	and	and	CCONJ
gp-286	7	20	collateral	collateral	ADJ
gp-286	7	21	assessment	assessment	NOUN
gp-286	7	22	(	(	PUNCT
gp-286	7	23	21.1	21.1	NUM
gp-286	7	24	%	%	NOUN
gp-286	7	25	)	)	PUNCT
gp-286	7	26	.	.	PUNCT
gp-286	8	1	the	the	DET
gp-286	8	2	highest	high	ADJ
gp-286	8	3	sub	sub	NOUN
gp-286	8	4	-	-	NOUN
gp-286	8	5	criteria	criterion	NOUN
gp-286	8	6	are	be	AUX
gp-286	8	7	liquidity	liquidity	NOUN
gp-286	8	8	ratio	ratio	NOUN
gp-286	8	9	(	(	PUNCT
gp-286	8	10	22.5	22.5	NUM
gp-286	8	11	%	%	NOUN
gp-286	8	12	)	)	PUNCT
gp-286	8	13	with	with	ADP
gp-286	8	14	an	an	DET
gp-286	8	15	optimal	optimal	ADJ
gp-286	8	16	current	current	ADJ
gp-286	8	17	ratio	ratio	NOUN
gp-286	8	18	of	of	ADP
gp-286	8	19	1.5–2.5	1.5–2.5	NOUN
gp-286	8	20	,	,	PUNCT
gp-286	8	21	profitability	profitability	NOUN
gp-286	8	22	ratio	ratio	NOUN
gp-286	8	23	(	(	PUNCT
gp-286	8	24	18.0	18.0	NUM
gp-286	8	25	%	%	NOUN
gp-286	8	26	)	)	PUNCT
gp-286	8	27	with	with	ADP
gp-286	8	28	sustainable	sustainable	ADJ
gp-286	8	29	roa	roa	NOUN
gp-286	8	30	of	of	ADP
gp-286	8	31	8–15	8–15	PROPN
gp-286	8	32	%	%	PROPN
gp-286	8	33	,	,	PUNCT
gp-286	8	34	and	and	CCONJ
gp-286	8	35	solvency	solvency	NOUN
gp-286	8	36	ratio	ratio	NOUN
gp-286	8	37	(	(	PUNCT
gp-286	8	38	14.3	14.3	NUM
gp-286	8	39	%	%	NOUN
gp-286	8	40	)	)	PUNCT
gp-286	8	41	with	with	ADP
gp-286	8	42	der	der	NOUN
gp-286	8	43	of	of	ADP
gp-286	8	44	0.5–1.5	0.5–1.5	NUM
gp-286	8	45	.	.	PUNCT
gp-286	9	1	business	business	NOUN
gp-286	9	2	track	track	NOUN
gp-286	9	3	record	record	NOUN
gp-286	9	4	(	(	PUNCT
gp-286	9	5	12.0	12.0	NUM
gp-286	9	6	%	%	NOUN
gp-286	9	7	)	)	PUNCT
gp-286	9	8	is	be	AUX
gp-286	9	9	prioritized	prioritize	VERB
gp-286	9	10	over	over	ADP
gp-286	9	11	business	business	NOUN
gp-286	9	12	sector	sector	NOUN
gp-286	9	13	(	(	PUNCT
gp-286	9	14	10.0	10.0	NUM
gp-286	9	15	%	%	NOUN
gp-286	9	16	)	)	PUNCT
gp-286	9	17	,	,	PUNCT
gp-286	9	18	confirming	confirm	VERB
gp-286	9	19	a	a	DET
gp-286	9	20	shift	shift	NOUN
gp-286	9	21	towards	towards	ADP
gp-286	9	22	character	character	NOUN
gp-286	9	23	-	-	PUNCT
gp-286	9	24	centric	centric	ADJ
gp-286	9	25	evaluation	evaluation	NOUN
gp-286	9	26	.	.	PUNCT
gp-286	10	1	the	the	DET
gp-286	10	2	research	research	NOUN
gp-286	10	3	proves	prove	VERB
gp-286	10	4	a	a	DET
gp-286	10	5	paradigm	paradigm	NOUN
gp-286	10	6	shift	shift	NOUN
gp-286	10	7	from	from	ADP
gp-286	10	8	a	a	DET
gp-286	10	9	collateral	collateral	ADJ
gp-286	10	10	-	-	PUNCT
gp-286	10	11	heavy	heavy	ADJ
gp-286	10	12	approach	approach	NOUN
gp-286	10	13	to	to	ADP
gp-286	10	14	an	an	DET
gp-286	10	15	integrated	integrate	VERB
gp-286	10	16	assessment	assessment	NOUN
gp-286	10	17	prioritizing	prioritize	VERB
gp-286	10	18	defensive	defensive	ADJ
gp-286	10	19	financial	financial	ADJ
gp-286	10	20	capability	capability	NOUN
gp-286	10	21	and	and	CCONJ
gp-286	10	22	business	business	NOUN
gp-286	10	23	integrity	integrity	NOUN
gp-286	10	24	.	.	PUNCT
gp-286	11	1	the	the	DET
gp-286	11	2	ahp	ahp	PROPN
gp-286	11	3	score	score	NOUN
gp-286	11	4	formula	formula	NOUN
gp-286	11	5	was	be	AUX
gp-286	11	6	empirically	empirically	ADV
gp-286	11	7	validated	validate	VERB
gp-286	11	8	with	with	ADP
gp-286	11	9	risk	risk	NOUN
gp-286	11	10	distribution	distribution	NOUN
gp-286	11	11	of	of	ADP
gp-286	11	12	35.3	35.3	NUM
gp-286	11	13	%	%	NOUN
gp-286	11	14	low	low	ADJ
gp-286	11	15	,	,	PUNCT
gp-286	11	16	29.4	29.4	NUM
gp-286	11	17	%	%	NOUN
gp-286	11	18	medium	medium	NOUN
gp-286	11	19	,	,	PUNCT
gp-286	11	20	23.5	23.5	NUM
gp-286	11	21	%	%	NOUN
gp-286	11	22	high	high	ADJ
gp-286	11	23	,	,	PUNCT
gp-286	11	24	and	and	CCONJ
gp-286	11	25	11.8	11.8	NUM
gp-286	11	26	%	%	NOUN
gp-286	11	27	very	very	ADV
gp-286	11	28	high	high	ADJ
gp-286	11	29	,	,	PUNCT
gp-286	11	30	providing	provide	VERB
gp-286	11	31	an	an	DET
gp-286	11	32	objective	objective	ADJ
gp-286	11	33	framework	framework	NOUN
gp-286	11	34	for	for	ADP
gp-286	11	35	standardizing	standardize	VERB
gp-286	11	36	applicable	applicable	ADJ
gp-286	11	37	medium	medium	ADJ
gp-286	11	38	-	-	PUNCT
gp-286	11	39	sized	sized	ADJ
gp-286	11	40	credit	credit	NOUN
gp-286	11	41	processes	process	NOUN
gp-286	11	42	.	.	PUNCT
gp-286	12	1	keywords	keyword	NOUN
gp-286	12	2	:	:	PUNCT
gp-286	12	3	bank	bank	NOUN
gp-286	12	4	credit	credit	NOUN
gp-286	12	5	,	,	PUNCT
gp-286	12	6	analytical	analytical	ADJ
gp-286	12	7	hierarchy	hierarchy	NOUN
gp-286	12	8	process	process	NOUN
gp-286	12	9	,	,	PUNCT
gp-286	12	10	criteria	criterion	NOUN
gp-286	12	11	priority	priority	NOUN
gp-286	12	12	weights	weight	NOUN
gp-286	12	13	,	,	PUNCT
gp-286	12	14	defensive	defensive	ADJ
gp-286	12	15	financial	financial	ADJ
gp-286	12	16	performance	performance	NOUN
gp-286	12	17	characteristics	characteristics	PROPN
gp-286	12	18	introduction	introduction	NOUN
gp-286	12	19	bank	bank	PROPN
gp-286	12	20	rakyat	rakyat	PROPN
gp-286	12	21	indonesia	indonesia	PROPN
gp-286	12	22	(	(	PUNCT
gp-286	12	23	bri	bri	NOUN
gp-286	12	24	)	)	PUNCT
gp-286	12	25	is	be	AUX
gp-286	12	26	one	one	NUM
gp-286	12	27	of	of	ADP
gp-286	12	28	indonesia	indonesia	PROPN
gp-286	12	29	’s	’s	PART
gp-286	12	30	largest	large	ADJ
gp-286	12	31	state	state	NOUN
gp-286	12	32	-	-	PUNCT
gp-286	12	33	owned	own	VERB
gp-286	12	34	banks	bank	NOUN
gp-286	12	35	and	and	CCONJ
gp-286	12	36	the	the	DET
gp-286	12	37	country	country	NOUN
gp-286	12	38	’s	’s	PART
gp-286	12	39	leading	lead	VERB
gp-286	12	40	msme	msme	NOUN
gp-286	12	41	lender	lender	NOUN
gp-286	12	42	;	;	PUNCT
gp-286	12	43	regional	regional	ADJ
gp-286	12	44	offices	office	NOUN
gp-286	12	45	such	such	ADJ
gp-286	12	46	as	as	ADP
gp-286	12	47	bri	bri	PROPN
gp-286	12	48	denpasar	denpasar	NOUN
gp-286	12	49	extend	extend	VERB
gp-286	12	50	credit	credit	NOUN
gp-286	12	51	across	across	ADP
gp-286	12	52	manufacturing	manufacturing	NOUN
gp-286	12	53	,	,	PUNCT
gp-286	12	54	trade	trade	NOUN
gp-286	12	55	,	,	PUNCT
gp-286	12	56	and	and	CCONJ
gp-286	12	57	services	service	NOUN
gp-286	12	58	.	.	PUNCT
gp-286	13	1	in	in	ADP
gp-286	13	2	evaluating	evaluate	VERB
gp-286	13	3	credit	credit	NOUN
gp-286	13	4	proposals	proposal	NOUN
gp-286	13	5	,	,	PUNCT
gp-286	13	6	banks	bank	NOUN
gp-286	13	7	typically	typically	ADV
gp-286	13	8	assess	assess	VERB
gp-286	13	9	the	the	DET
gp-286	13	10	firm	firm	NOUN
gp-286	13	11	’s	’s	PART
gp-286	13	12	financial	financial	ADJ
gp-286	13	13	performance	performance	NOUN
gp-286	13	14	and	and	CCONJ
gp-286	13	15	cash	cash	NOUN
gp-286	13	16	-	-	PUNCT
gp-286	13	17	flow	flow	NOUN
gp-286	13	18	capacity	capacity	NOUN
gp-286	13	19	,	,	PUNCT
gp-286	13	20	the	the	DET
gp-286	13	21	quality	quality	NOUN
gp-286	13	22	and	and	CCONJ
gp-286	13	23	sufficiency	sufficiency	NOUN
gp-286	13	24	of	of	ADP
gp-286	13	25	collateral	collateral	NOUN
gp-286	13	26	,	,	PUNCT
gp-286	13	27	and	and	CCONJ
gp-286	13	28	sectorspecific	sectorspecific	ADJ
gp-286	13	29	risk	risk	NOUN
gp-286	13	30	—	—	PUNCT
gp-286	13	31	an	an	DET
gp-286	13	32	approach	approach	NOUN
gp-286	13	33	aligned	align	VERB
gp-286	13	34	with	with	ADP
gp-286	13	35	indonesia	indonesia	PROPN
gp-286	13	36	’s	’s	PART
gp-286	13	37	prudential	prudential	ADJ
gp-286	13	38	framework	framework	NOUN
gp-286	13	39	and	and	CCONJ
gp-286	13	40	international	international	ADJ
gp-286	13	41	supervisory	supervisory	ADJ
gp-286	13	42	assessments	assessment	NOUN
gp-286	13	43	of	of	ADP
gp-286	13	44	the	the	DET
gp-286	13	45	banking	banking	NOUN
gp-286	13	46	system	system	NOUN
gp-286	13	47	.	.	PUNCT
gp-286	14	1	evidence	evidence	NOUN
gp-286	14	2	from	from	ADP
gp-286	14	3	recent	recent	ADJ
gp-286	14	4	msme	msme	NOUN
gp-286	14	5	-	-	PUNCT
gp-286	14	6	finance	finance	NOUN
gp-286	14	7	studies	study	NOUN
gp-286	14	8	also	also	ADV
gp-286	14	9	underscores	underscore	VERB
gp-286	14	10	the	the	DET
gp-286	14	11	importance	importance	NOUN
gp-286	14	12	of	of	ADP
gp-286	14	13	borrower	borrower	NOUN
gp-286	14	14	characteristics	characteristic	NOUN
gp-286	14	15	(	(	PUNCT
gp-286	14	16	e.g.	e.g.	ADV
gp-286	14	17	,	,	PUNCT
gp-286	14	18	size	size	NOUN
gp-286	14	19	,	,	PUNCT
gp-286	14	20	leverage	leverage	NOUN
gp-286	14	21	,	,	PUNCT
gp-286	14	22	and	and	CCONJ
gp-286	14	23	profitability	profitability	NOUN
gp-286	14	24	)	)	PUNCT
gp-286	14	25	and	and	CCONJ
gp-286	14	26	collateral	collateral	NOUN
gp-286	14	27	in	in	ADP
gp-286	14	28	shaping	shape	VERB
gp-286	14	29	access	access	NOUN
gp-286	14	30	to	to	ADP
gp-286	14	31	bank	bank	NOUN
gp-286	14	32	credit	credit	NOUN
gp-286	14	33	(	(	PUNCT
gp-286	14	34	pt	pt	PROPN
gp-286	14	35	bank	bank	PROPN
gp-286	14	36	rakyat	rakyat	PROPN
gp-286	14	37	indonesia	indonesia	PROPN
gp-286	14	38	,	,	PUNCT
gp-286	14	39	2025	2025	NUM
gp-286	14	40	;	;	PUNCT
gp-286	14	41	ojk	ojk	NOUN
gp-286	14	42	,	,	PUNCT
gp-286	14	43	2020	2020	NUM
gp-286	14	44	;	;	PUNCT
gp-286	14	45	oecd	oecd	PROPN
gp-286	14	46	,	,	PUNCT
gp-286	14	47	2024	2024	NUM
gp-286	14	48	;	;	PUNCT
gp-286	14	49	imf	imf	PROPN
gp-286	14	50	,	,	PUNCT
gp-286	14	51	2024a	2024a	NUM
gp-286	14	52	;	;	PUNCT
gp-286	14	53	imf	imf	PROPN
gp-286	14	54	,	,	PUNCT
gp-286	14	55	2024b	2024b	NUM
gp-286	14	56	)	)	PUNCT
gp-286	14	57	.	.	PUNCT
gp-286	15	1	the	the	DET
gp-286	15	2	covid-19	covid-19	PROPN
gp-286	15	3	pandemic	pandemic	NOUN
gp-286	15	4	has	have	AUX
gp-286	15	5	caused	cause	VERB
gp-286	15	6	many	many	ADJ
gp-286	15	7	companies	company	NOUN
gp-286	15	8	to	to	PART
gp-286	15	9	experience	experience	VERB
gp-286	15	10	financial	financial	ADJ
gp-286	15	11	difficulties	difficulty	NOUN
gp-286	15	12	and	and	CCONJ
gp-286	15	13	an	an	DET
gp-286	15	14	increase	increase	NOUN
gp-286	15	15	in	in	ADP
gp-286	15	16	non	non	ADJ
gp-286	15	17	-	-	ADJ
gp-286	15	18	performing	performing	ADJ
gp-286	15	19	loans	loan	NOUN
gp-286	15	20	in	in	ADP
gp-286	15	21	banks	bank	NOUN
gp-286	15	22	(	(	PUNCT
gp-286	15	23	lazarus	lazarus	PROPN
gp-286	15	24	,	,	PUNCT
gp-286	15	25	2020	2020	NUM
gp-286	15	26	;	;	PUNCT
gp-286	15	27	nations	nation	NOUN
gp-286	15	28	,	,	PUNCT
gp-286	15	29	2020	2020	NUM
gp-286	15	30	)	)	PUNCT
gp-286	15	31	.	.	PUNCT
gp-286	16	1	after	after	ADP
gp-286	16	2	the	the	DET
gp-286	16	3	pandemic	pandemic	NOUN
gp-286	16	4	,	,	PUNCT
gp-286	16	5	banks	bank	NOUN
gp-286	16	6	tightened	tighten	VERB
gp-286	16	7	credit	credit	NOUN
gp-286	16	8	distribution	distribution	NOUN
gp-286	16	9	by	by	ADP
gp-286	16	10	being	be	AUX
gp-286	16	11	more	more	ADV
gp-286	16	12	selective	selective	ADJ
gp-286	16	13	toward	toward	ADP
gp-286	16	14	the	the	DET
gp-286	16	15	business	business	NOUN
gp-286	16	16	segments	segment	NOUN
gp-286	16	17	they	they	PRON
gp-286	16	18	analysis	analysis	VERB
gp-286	16	19	of	of	ADP
gp-286	16	20	financial	financial	ADJ
gp-286	16	21	performance	performance	NOUN
gp-286	16	22	characteristics	characteristic	NOUN
gp-286	16	23	,	,	PUNCT
gp-286	16	24	collateral	collateral	ADJ
gp-286	16	25	assessment	assessment	NOUN
gp-286	16	26	and	and	CCONJ
gp-286	16	27	business	business	NOUN
gp-286	16	28	type	type	NOUN
gp-286	16	29	in	in	ADP
gp-286	16	30	the	the	DET
gp-286	16	31	decision	decision	NOUN
gp-286	16	32	to	to	PART
gp-286	16	33	provide	provide	VERB
gp-286	16	34	medium	medium	ADJ
gp-286	16	35	credit	credit	NOUN
gp-286	16	36	facilities	facility	NOUN
gp-286	16	37	at	at	ADP
gp-286	16	38	bri	bri	PROPN
gp-286	16	39	denpasar	denpasar	NOUN
gp-286	16	40	using	use	VERB
gp-286	16	41	the	the	DET
gp-286	16	42	analytical	analytical	ADJ
gp-286	16	43	hierarchy	hierarchy	NOUN
gp-286	16	44	process	process	NOUN
gp-286	16	45	method	method	VERB
gp-286	16	46	1227	1227	NUM
gp-286	16	47	finance	finance	NOUN
gp-286	16	48	and	and	CCONJ
gp-286	16	49	by	by	ADP
gp-286	16	50	implementing	implement	VERB
gp-286	16	51	stricter	strict	ADJ
gp-286	16	52	credit	credit	NOUN
gp-286	16	53	policies	policy	NOUN
gp-286	16	54	.	.	PUNCT
gp-286	17	1	during	during	ADP
gp-286	17	2	the	the	DET
gp-286	17	3	pandemic	pandemic	NOUN
gp-286	17	4	,	,	PUNCT
gp-286	17	5	the	the	DET
gp-286	17	6	npl	npl	PROPN
gp-286	17	7	/	/	SYM
gp-286	17	8	npf	npf	PROPN
gp-286	17	9	ratio	ratio	NOUN
gp-286	17	10	of	of	ADP
gp-286	17	11	commercial	commercial	ADJ
gp-286	17	12	banks	bank	NOUN
gp-286	17	13	experienced	experience	VERB
gp-286	17	14	an	an	DET
gp-286	17	15	upward	upward	ADJ
gp-286	17	16	trend	trend	NOUN
gp-286	17	17	,	,	PUNCT
gp-286	17	18	exceeding	exceed	VERB
gp-286	17	19	3	3	NUM
gp-286	17	20	%	%	NOUN
gp-286	17	21	from	from	ADP
gp-286	17	22	only	only	ADV
gp-286	17	23	2.6	2.6	NUM
gp-286	17	24	%	%	NOUN
gp-286	17	25	in	in	ADP
gp-286	17	26	2019	2019	NUM
gp-286	17	27	.	.	PUNCT
gp-286	18	1	at	at	ADP
gp-286	18	2	bank	bank	PROPN
gp-286	18	3	bri	bri	PROPN
gp-286	18	4	denpasar	denpasar	PROPN
gp-286	18	5	,	,	PUNCT
gp-286	18	6	the	the	DET
gp-286	18	7	process	process	NOUN
gp-286	18	8	of	of	ADP
gp-286	18	9	providing	provide	VERB
gp-286	18	10	credit	credit	NOUN
gp-286	18	11	to	to	ADP
gp-286	18	12	customers	customer	NOUN
gp-286	18	13	and	and	CCONJ
gp-286	18	14	the	the	DET
gp-286	18	15	quality	quality	NOUN
gp-286	18	16	of	of	ADP
gp-286	18	17	credit	credit	NOUN
gp-286	18	18	deterioration	deterioration	NOUN
gp-286	18	19	must	must	AUX
gp-286	18	20	be	be	AUX
gp-286	18	21	a	a	DET
gp-286	18	22	concern	concern	NOUN
gp-286	18	23	after	after	SCONJ
gp-286	18	24	covid-19	covid-19	PROPN
gp-286	18	25	.	.	PUNCT
gp-286	18	26	bank	bank	PROPN
gp-286	18	27	bri	bri	PROPN
gp-286	18	28	denpasar	denpasar	PROPN
gp-286	18	29	finds	find	VERB
gp-286	18	30	it	it	PRON
gp-286	18	31	important	important	ADJ
gp-286	18	32	to	to	PART
gp-286	18	33	evaluate	evaluate	VERB
gp-286	18	34	the	the	DET
gp-286	18	35	most	most	ADV
gp-286	18	36	influential	influential	ADJ
gp-286	18	37	factors	factor	NOUN
gp-286	18	38	in	in	ADP
gp-286	18	39	the	the	DET
gp-286	18	40	decision	decision	NOUN
gp-286	18	41	to	to	PART
gp-286	18	42	provide	provide	VERB
gp-286	18	43	credit	credit	NOUN
gp-286	18	44	to	to	ADP
gp-286	18	45	companies	company	NOUN
gp-286	18	46	.	.	PUNCT
gp-286	19	1	the	the	DET
gp-286	19	2	credit	credit	NOUN
gp-286	19	3	granting	grant	VERB
gp-286	19	4	process	process	NOUN
gp-286	19	5	is	be	AUX
gp-286	19	6	carried	carry	VERB
gp-286	19	7	out	out	ADP
gp-286	19	8	through	through	ADP
gp-286	19	9	a	a	DET
gp-286	19	10	comprehensive	comprehensive	ADJ
gp-286	19	11	assessment	assessment	NOUN
gp-286	19	12	of	of	ADP
gp-286	19	13	several	several	ADJ
gp-286	19	14	factors	factor	NOUN
gp-286	19	15	,	,	PUNCT
gp-286	19	16	including	include	VERB
gp-286	19	17	financial	financial	ADJ
gp-286	19	18	performance	performance	NOUN
gp-286	19	19	analysis	analysis	NOUN
gp-286	19	20	,	,	PUNCT
gp-286	19	21	collateral	collateral	ADJ
gp-286	19	22	assessment	assessment	NOUN
gp-286	19	23	,	,	PUNCT
gp-286	19	24	and	and	CCONJ
gp-286	19	25	type	type	NOUN
gp-286	19	26	of	of	ADP
gp-286	19	27	business	business	NOUN
gp-286	19	28	from	from	ADP
gp-286	19	29	customers	customer	NOUN
gp-286	19	30	.	.	PUNCT
gp-286	20	1	although	although	SCONJ
gp-286	20	2	credit	credit	NOUN
gp-286	20	3	analysis	analysis	NOUN
gp-286	20	4	with	with	ADP
gp-286	20	5	the	the	DET
gp-286	20	6	5c	5c	NUM
gp-286	20	7	method	method	NOUN
gp-286	20	8	has	have	AUX
gp-286	20	9	become	become	VERB
gp-286	20	10	standard	standard	ADJ
gp-286	20	11	in	in	ADP
gp-286	20	12	the	the	DET
gp-286	20	13	banking	banking	NOUN
gp-286	20	14	industry	industry	NOUN
gp-286	20	15	,	,	PUNCT
gp-286	20	16	empirical	empirical	ADJ
gp-286	20	17	research	research	NOUN
gp-286	20	18	on	on	ADP
gp-286	20	19	the	the	DET
gp-286	20	20	priorities	priority	NOUN
gp-286	20	21	and	and	CCONJ
gp-286	20	22	weighting	weighting	NOUN
gp-286	20	23	of	of	ADP
gp-286	20	24	such	such	ADJ
gp-286	20	25	factors	factor	NOUN
gp-286	20	26	in	in	ADP
gp-286	20	27	the	the	DET
gp-286	20	28	middle	middle	ADJ
gp-286	20	29	credit	credit	NOUN
gp-286	20	30	segment	segment	NOUN
gp-286	20	31	is	be	AUX
gp-286	20	32	still	still	ADV
gp-286	20	33	limited	limited	ADJ
gp-286	20	34	.	.	PUNCT
gp-286	21	1	there	there	PRON
gp-286	21	2	is	be	VERB
gp-286	21	3	a	a	DET
gp-286	21	4	research	research	NOUN
gp-286	21	5	gap	gap	NOUN
gp-286	21	6	in	in	ADP
gp-286	21	7	the	the	DET
gp-286	21	8	use	use	NOUN
gp-286	21	9	of	of	ADP
gp-286	21	10	structured	structure	VERB
gp-286	21	11	quantitative	quantitative	ADJ
gp-286	21	12	approaches	approach	NOUN
gp-286	21	13	such	such	ADJ
gp-286	21	14	as	as	ADP
gp-286	21	15	the	the	DET
gp-286	21	16	analytical	analytical	ADJ
gp-286	21	17	hierarchy	hierarchy	NOUN
gp-286	21	18	process	process	NOUN
gp-286	21	19	(	(	PUNCT
gp-286	21	20	ahp	ahp	NOUN
gp-286	21	21	)	)	PUNCT
gp-286	21	22	to	to	PART
gp-286	21	23	identify	identify	VERB
gp-286	21	24	the	the	DET
gp-286	21	25	level	level	NOUN
gp-286	21	26	of	of	ADP
gp-286	21	27	relative	relative	ADJ
gp-286	21	28	importance	importance	NOUN
gp-286	21	29	between	between	ADP
gp-286	21	30	financial	financial	ADJ
gp-286	21	31	performance	performance	NOUN
gp-286	21	32	,	,	PUNCT
gp-286	21	33	collateral	collateral	ADJ
gp-286	21	34	valuation	valuation	NOUN
gp-286	21	35	,	,	PUNCT
gp-286	21	36	and	and	CCONJ
gp-286	21	37	business	business	NOUN
gp-286	21	38	type	type	NOUN
gp-286	21	39	in	in	ADP
gp-286	21	40	credit	credit	NOUN
gp-286	21	41	decisions	decision	NOUN
gp-286	21	42	.	.	PUNCT
gp-286	22	1	this	this	DET
gp-286	22	2	study	study	NOUN
gp-286	22	3	uses	use	VERB
gp-286	22	4	the	the	DET
gp-286	22	5	analytical	analytical	ADJ
gp-286	22	6	hierarchy	hierarchy	NOUN
gp-286	22	7	process	process	NOUN
gp-286	22	8	(	(	PUNCT
gp-286	22	9	ahp	ahp	NOUN
gp-286	22	10	)	)	PUNCT
gp-286	22	11	method	method	NOUN
gp-286	22	12	with	with	ADP
gp-286	22	13	a	a	DET
gp-286	22	14	criteria	criterion	NOUN
gp-286	22	15	prioritization	prioritization	NOUN
gp-286	22	16	approach	approach	NOUN
gp-286	22	17	to	to	PART
gp-286	22	18	quantify	quantify	VERB
gp-286	22	19	the	the	DET
gp-286	22	20	priority	priority	NOUN
gp-286	22	21	hierarchy	hierarchy	NOUN
gp-286	22	22	of	of	ADP
gp-286	22	23	credit	credit	NOUN
gp-286	22	24	criteria	criterion	NOUN
gp-286	22	25	.	.	PUNCT
gp-286	23	1	ahp	ahp	PROPN
gp-286	23	2	allows	allow	VERB
gp-286	23	3	quantification	quantification	NOUN
gp-286	23	4	of	of	ADP
gp-286	23	5	the	the	DET
gp-286	23	6	relative	relative	ADJ
gp-286	23	7	level	level	NOUN
gp-286	23	8	of	of	ADP
gp-286	23	9	importance	importance	NOUN
gp-286	23	10	between	between	ADP
gp-286	23	11	criteria	criterion	NOUN
gp-286	23	12	and	and	CCONJ
gp-286	23	13	identification	identification	NOUN
gp-286	23	14	of	of	ADP
gp-286	23	15	prioritized	prioritized	ADJ
gp-286	23	16	characteristics	characteristic	NOUN
gp-286	23	17	in	in	ADP
gp-286	23	18	complex	complex	ADJ
gp-286	23	19	decision	decision	NOUN
gp-286	23	20	-	-	PUNCT
gp-286	23	21	making	making	NOUN
gp-286	23	22	through	through	ADP
gp-286	23	23	paired	pair	VERB
gp-286	23	24	comparisons	comparison	NOUN
gp-286	23	25	.	.	PUNCT
gp-286	24	1	several	several	ADJ
gp-286	24	2	studies	study	NOUN
gp-286	24	3	have	have	AUX
gp-286	24	4	examined	examine	VERB
gp-286	24	5	factors	factor	NOUN
gp-286	24	6	influencing	influence	VERB
gp-286	24	7	bank	bank	NOUN
gp-286	24	8	credit	credit	NOUN
gp-286	24	9	decisions	decision	NOUN
gp-286	24	10	,	,	PUNCT
gp-286	24	11	particularly	particularly	ADV
gp-286	24	12	for	for	ADP
gp-286	24	13	msmes	msme	NOUN
gp-286	24	14	.	.	PUNCT
gp-286	25	1	for	for	ADP
gp-286	25	2	instance	instance	NOUN
gp-286	25	3	,	,	PUNCT
gp-286	25	4	rahman	rahman	PROPN
gp-286	25	5	and	and	CCONJ
gp-286	25	6	santoso	santoso	NOUN
gp-286	25	7	(	(	PUNCT
gp-286	25	8	2021	2021	NUM
gp-286	25	9	)	)	PUNCT
gp-286	25	10	analyzed	analyze	VERB
gp-286	25	11	the	the	DET
gp-286	25	12	effect	effect	NOUN
gp-286	25	13	of	of	ADP
gp-286	25	14	financial	financial	ADJ
gp-286	25	15	ratios	ratio	NOUN
gp-286	25	16	,	,	PUNCT
gp-286	25	17	collateral	collateral	NOUN
gp-286	25	18	,	,	PUNCT
gp-286	25	19	and	and	CCONJ
gp-286	25	20	business	business	NOUN
gp-286	25	21	type	type	NOUN
gp-286	25	22	on	on	ADP
gp-286	25	23	credit	credit	NOUN
gp-286	25	24	approval	approval	NOUN
gp-286	25	25	using	use	VERB
gp-286	25	26	logistic	logistic	ADJ
gp-286	25	27	regression	regression	NOUN
gp-286	25	28	,	,	PUNCT
gp-286	25	29	finding	find	VERB
gp-286	25	30	that	that	SCONJ
gp-286	25	31	financial	financial	ADJ
gp-286	25	32	performance	performance	NOUN
gp-286	25	33	had	have	VERB
gp-286	25	34	the	the	DET
gp-286	25	35	most	most	ADV
gp-286	25	36	significant	significant	ADJ
gp-286	25	37	influence	influence	NOUN
gp-286	25	38	,	,	PUNCT
gp-286	25	39	followed	follow	VERB
gp-286	25	40	by	by	ADP
gp-286	25	41	collateral	collateral	ADJ
gp-286	25	42	quality	quality	NOUN
gp-286	25	43	,	,	PUNCT
gp-286	25	44	while	while	SCONJ
gp-286	25	45	business	business	NOUN
gp-286	25	46	type	type	NOUN
gp-286	25	47	was	be	AUX
gp-286	25	48	less	less	ADV
gp-286	25	49	significant	significant	ADJ
gp-286	25	50	.	.	PUNCT
gp-286	26	1	similarly	similarly	ADV
gp-286	26	2	,	,	PUNCT
gp-286	26	3	putri	putri	PROPN
gp-286	26	4	et	et	PROPN
gp-286	26	5	al	al	PROPN
gp-286	26	6	.	.	PROPN
gp-286	27	1	(	(	PUNCT
gp-286	27	2	2022	2022	NUM
gp-286	27	3	)	)	PUNCT
gp-286	27	4	investigated	investigate	VERB
gp-286	27	5	credit	credit	NOUN
gp-286	27	6	risk	risk	NOUN
gp-286	27	7	assessment	assessment	NOUN
gp-286	27	8	in	in	ADP
gp-286	27	9	regional	regional	ADJ
gp-286	27	10	banks	bank	NOUN
gp-286	28	1	and	and	CCONJ
gp-286	29	1	highlighted	highlight	VERB
gp-286	29	2	that	that	SCONJ
gp-286	29	3	post	post	ADJ
gp-286	29	4	-	-	ADJ
gp-286	29	5	pandemic	pandemic	ADJ
gp-286	29	6	conditions	condition	NOUN
gp-286	29	7	changed	change	VERB
gp-286	29	8	the	the	DET
gp-286	29	9	weighting	weighting	NOUN
gp-286	29	10	of	of	ADP
gp-286	29	11	credit	credit	NOUN
gp-286	29	12	criteria	criterion	NOUN
gp-286	29	13	,	,	PUNCT
gp-286	29	14	but	but	CCONJ
gp-286	29	15	their	their	PRON
gp-286	29	16	study	study	NOUN
gp-286	29	17	relied	rely	VERB
gp-286	29	18	primarily	primarily	ADV
gp-286	29	19	on	on	ADP
gp-286	29	20	descriptive	descriptive	ADJ
gp-286	29	21	methods	method	NOUN
gp-286	29	22	without	without	ADP
gp-286	29	23	quantifying	quantify	VERB
gp-286	29	24	the	the	DET
gp-286	29	25	relative	relative	ADJ
gp-286	29	26	importance	importance	NOUN
gp-286	29	27	among	among	ADP
gp-286	29	28	criteria	criterion	NOUN
gp-286	29	29	.	.	PUNCT
gp-286	30	1	despite	despite	SCONJ
gp-286	30	2	these	these	DET
gp-286	30	3	findings	finding	NOUN
gp-286	30	4	,	,	PUNCT
gp-286	30	5	there	there	PRON
gp-286	30	6	remains	remain	VERB
gp-286	30	7	a	a	DET
gp-286	30	8	gap	gap	NOUN
gp-286	30	9	in	in	ADP
gp-286	30	10	systematically	systematically	ADV
gp-286	30	11	measuring	measure	VERB
gp-286	30	12	the	the	DET
gp-286	30	13	priority	priority	NOUN
gp-286	30	14	level	level	NOUN
gp-286	30	15	of	of	ADP
gp-286	30	16	credit	credit	NOUN
gp-286	30	17	criteria	criterion	NOUN
gp-286	30	18	using	use	VERB
gp-286	30	19	structured	structured	ADJ
gp-286	30	20	quantitative	quantitative	ADJ
gp-286	30	21	methods	method	NOUN
gp-286	30	22	in	in	ADP
gp-286	30	23	the	the	DET
gp-286	30	24	middle	middle	ADJ
gp-286	30	25	credit	credit	NOUN
gp-286	30	26	segment	segment	NOUN
gp-286	30	27	,	,	PUNCT
gp-286	30	28	especially	especially	ADV
gp-286	30	29	in	in	ADP
gp-286	30	30	the	the	DET
gp-286	30	31	context	context	NOUN
gp-286	30	32	of	of	ADP
gp-286	30	33	post	post	ADJ
gp-286	30	34	-	-	ADJ
gp-286	30	35	pandemic	pandemic	ADJ
gp-286	30	36	adjustments	adjustment	NOUN
gp-286	30	37	.	.	PUNCT
gp-286	31	1	by	by	ADP
gp-286	31	2	applying	apply	VERB
gp-286	31	3	ahp	ahp	NOUN
gp-286	31	4	,	,	PUNCT
gp-286	31	5	this	this	DET
gp-286	31	6	study	study	NOUN
gp-286	31	7	provides	provide	VERB
gp-286	31	8	a	a	DET
gp-286	31	9	more	more	ADV
gp-286	31	10	precise	precise	ADJ
gp-286	31	11	and	and	CCONJ
gp-286	31	12	objective	objective	ADJ
gp-286	31	13	prioritization	prioritization	NOUN
gp-286	31	14	of	of	ADP
gp-286	31	15	credit	credit	NOUN
gp-286	31	16	criteria	criterion	NOUN
gp-286	31	17	,	,	PUNCT
gp-286	31	18	which	which	PRON
gp-286	31	19	can	can	AUX
gp-286	31	20	support	support	VERB
gp-286	31	21	bank	bank	NOUN
gp-286	31	22	managers	manager	NOUN
gp-286	31	23	in	in	ADP
gp-286	31	24	making	make	VERB
gp-286	31	25	consistent	consistent	ADJ
gp-286	31	26	,	,	PUNCT
gp-286	31	27	transparent	transparent	ADJ
gp-286	31	28	,	,	PUNCT
gp-286	31	29	and	and	CCONJ
gp-286	31	30	data	datum	NOUN
gp-286	31	31	-	-	PUNCT
gp-286	31	32	driven	drive	VERB
gp-286	31	33	credit	credit	NOUN
gp-286	31	34	decisions	decision	NOUN
gp-286	31	35	.	.	PUNCT
gp-286	32	1	therefore	therefore	ADV
gp-286	32	2	,	,	PUNCT
gp-286	32	3	the	the	DET
gp-286	32	4	study	study	NOUN
gp-286	32	5	aims	aim	VERB
gp-286	32	6	to	to	PART
gp-286	32	7	identify	identify	VERB
gp-286	32	8	the	the	DET
gp-286	32	9	hierarchy	hierarchy	NOUN
gp-286	32	10	of	of	ADP
gp-286	32	11	credit	credit	NOUN
gp-286	32	12	criteria	criterion	NOUN
gp-286	32	13	influencing	influence	VERB
gp-286	32	14	approval	approval	NOUN
gp-286	32	15	decisions	decision	NOUN
gp-286	32	16	and	and	CCONJ
gp-286	32	17	provide	provide	VERB
gp-286	32	18	practical	practical	ADJ
gp-286	32	19	guidance	guidance	NOUN
gp-286	32	20	for	for	ADP
gp-286	32	21	optimizing	optimize	VERB
gp-286	32	22	credit	credit	NOUN
gp-286	32	23	allocation	allocation	NOUN
gp-286	32	24	to	to	ADP
gp-286	32	25	msmes	msme	NOUN
gp-286	32	26	,	,	PUNCT
gp-286	32	27	enhancing	enhance	VERB
gp-286	32	28	bank	bank	NOUN
gp-286	32	29	portfolio	portfolio	NOUN
gp-286	32	30	quality	quality	NOUN
gp-286	32	31	,	,	PUNCT
gp-286	32	32	and	and	CCONJ
gp-286	32	33	reducing	reduce	VERB
gp-286	32	34	non	non	ADJ
gp-286	32	35	-	-	ADJ
gp-286	32	36	performing	perform	VERB
gp-286	32	37	loans	loan	NOUN
gp-286	32	38	.	.	PUNCT
gp-286	33	1	method	method	VERB
gp-286	33	2	this	this	DET
gp-286	33	3	study	study	NOUN
gp-286	33	4	employed	employ	VERB
gp-286	33	5	a	a	DET
gp-286	33	6	quantitative	quantitative	ADJ
gp-286	33	7	descriptive	descriptive	ADJ
gp-286	33	8	and	and	CCONJ
gp-286	33	9	verifiable	verifiable	ADJ
gp-286	33	10	approach	approach	NOUN
gp-286	33	11	.	.	PUNCT
gp-286	34	1	the	the	DET
gp-286	34	2	analytical	analytical	ADJ
gp-286	34	3	hierarchy	hierarchy	NOUN
gp-286	34	4	process	process	NOUN
gp-286	34	5	(	(	PUNCT
gp-286	34	6	ahp	ahp	NOUN
gp-286	34	7	)	)	PUNCT
gp-286	34	8	method	method	NOUN
gp-286	34	9	was	be	AUX
gp-286	34	10	chosen	choose	VERB
gp-286	34	11	for	for	ADP
gp-286	34	12	its	its	PRON
gp-286	34	13	ability	ability	NOUN
gp-286	34	14	to	to	PART
gp-286	34	15	handle	handle	VERB
gp-286	34	16	decision	decision	NOUN
gp-286	34	17	-	-	PUNCT
gp-286	34	18	making	making	NOUN
gp-286	34	19	involving	involve	VERB
gp-286	34	20	multiple	multiple	ADJ
gp-286	34	21	interrelated	interrelated	ADJ
gp-286	34	22	criteria	criterion	NOUN
gp-286	34	23	and	and	CCONJ
gp-286	34	24	to	to	PART
gp-286	34	25	convert	convert	VERB
gp-286	34	26	subjective	subjective	ADJ
gp-286	34	27	judgments	judgment	NOUN
gp-286	34	28	into	into	ADP
gp-286	34	29	quantitative	quantitative	ADJ
gp-286	34	30	values	value	NOUN
gp-286	34	31	.	.	PUNCT
gp-286	35	1	the	the	DET
gp-286	35	2	ahp	ahp	PROPN
gp-286	35	3	hierarchical	hierarchical	ADJ
gp-286	35	4	structure	structure	NOUN
gp-286	35	5	consisted	consist	VERB
gp-286	35	6	of	of	ADP
gp-286	35	7	three	three	NUM
gp-286	35	8	levels	level	NOUN
gp-286	35	9	:	:	PUNCT
gp-286	35	10	level	level	NOUN
gp-286	35	11	1	1	NUM
gp-286	35	12	(	(	PUNCT
gp-286	35	13	goal	goal	NOUN
gp-286	35	14	)	)	PUNCT
gp-286	35	15	–	–	PUNCT
gp-286	35	16	the	the	DET
gp-286	35	17	decision	decision	NOUN
gp-286	35	18	to	to	PART
gp-286	35	19	provide	provide	VERB
gp-286	35	20	medium	medium	ADJ
gp-286	35	21	credit	credit	NOUN
gp-286	35	22	facilities	facility	NOUN
gp-286	35	23	;	;	PUNCT
gp-286	35	24	level	level	NOUN
gp-286	35	25	2	2	NUM
gp-286	35	26	(	(	PUNCT
gp-286	35	27	main	main	ADJ
gp-286	35	28	criteria	criterion	NOUN
gp-286	35	29	)	)	PUNCT
gp-286	35	30	–	–	PUNCT
gp-286	35	31	financial	financial	ADJ
gp-286	35	32	performance	performance	NOUN
gp-286	35	33	(	(	PUNCT
gp-286	35	34	c1	c1	PROPN
gp-286	35	35	)	)	PUNCT
gp-286	35	36	,	,	PUNCT
gp-286	35	37	collateral	collateral	ADJ
gp-286	35	38	valuation	valuation	NOUN
gp-286	35	39	(	(	PUNCT
gp-286	35	40	c2	c2	PROPN
gp-286	35	41	)	)	PUNCT
gp-286	35	42	,	,	PUNCT
gp-286	35	43	and	and	CCONJ
gp-286	35	44	business	business	NOUN
gp-286	35	45	type	type	NOUN
gp-286	35	46	(	(	PUNCT
gp-286	35	47	c3	c3	PROPN
gp-286	35	48	)	)	PUNCT
gp-286	35	49	;	;	PUNCT
gp-286	35	50	and	and	CCONJ
gp-286	35	51	level	level	NOUN
gp-286	35	52	3	3	NUM
gp-286	35	53	(	(	PUNCT
gp-286	35	54	sub	sub	NOUN
gp-286	35	55	-	-	NOUN
gp-286	35	56	criteria	criterion	NOUN
gp-286	35	57	)	)	PUNCT
gp-286	35	58	–	–	PUNCT
gp-286	35	59	liquidity	liquidity	NOUN
gp-286	35	60	ratio	ratio	NOUN
gp-286	35	61	(	(	PUNCT
gp-286	35	62	c1.1	c1.1	PROPN
gp-286	35	63	)	)	PUNCT
gp-286	35	64	,	,	PUNCT
gp-286	35	65	solvency	solvency	NOUN
gp-286	35	66	ratio	ratio	NOUN
gp-286	35	67	analysis	analysis	NOUN
gp-286	35	68	of	of	ADP
gp-286	35	69	financial	financial	ADJ
gp-286	35	70	performance	performance	NOUN
gp-286	35	71	characteristics	characteristic	NOUN
gp-286	35	72	,	,	PUNCT
gp-286	35	73	collateral	collateral	ADJ
gp-286	35	74	assessment	assessment	NOUN
gp-286	35	75	and	and	CCONJ
gp-286	35	76	business	business	NOUN
gp-286	35	77	type	type	NOUN
gp-286	35	78	in	in	ADP
gp-286	35	79	the	the	DET
gp-286	35	80	decision	decision	NOUN
gp-286	35	81	to	to	PART
gp-286	35	82	provide	provide	VERB
gp-286	35	83	medium	medium	ADJ
gp-286	35	84	credit	credit	NOUN
gp-286	35	85	facilities	facility	NOUN
gp-286	35	86	at	at	ADP
gp-286	35	87	bri	bri	PROPN
gp-286	35	88	denpasar	denpasar	NOUN
gp-286	35	89	using	use	VERB
gp-286	35	90	the	the	DET
gp-286	35	91	analytical	analytical	ADJ
gp-286	35	92	hierarchy	hierarchy	NOUN
gp-286	35	93	process	process	NOUN
gp-286	35	94	method	method	NOUN
gp-286	35	95	1228	1228	NUM
gp-286	35	96	(	(	PUNCT
gp-286	35	97	c1.2	c1.2	NOUN
gp-286	35	98	)	)	PUNCT
gp-286	35	99	,	,	PUNCT
gp-286	35	100	profitability	profitability	NOUN
gp-286	35	101	ratio	ratio	NOUN
gp-286	35	102	(	(	PUNCT
gp-286	35	103	c1.3	c1.3	PROPN
gp-286	35	104	)	)	PUNCT
gp-286	35	105	,	,	PUNCT
gp-286	35	106	collateral	collateral	ADJ
gp-286	35	107	value	value	NOUN
gp-286	35	108	(	(	PUNCT
gp-286	35	109	c2.1	c2.1	NOUN
gp-286	35	110	)	)	PUNCT
gp-286	35	111	,	,	PUNCT
gp-286	35	112	physical	physical	ADJ
gp-286	35	113	collateral	collateral	NOUN
gp-286	35	114	(	(	PUNCT
gp-286	35	115	c2.2	c2.2	NOUN
gp-286	35	116	)	)	PUNCT
gp-286	35	117	,	,	PUNCT
gp-286	35	118	business	business	NOUN
gp-286	35	119	sector	sector	NOUN
gp-286	35	120	(	(	PUNCT
gp-286	35	121	c3.1	c3.1	PROPN
gp-286	35	122	)	)	PUNCT
gp-286	35	123	,	,	PUNCT
gp-286	35	124	and	and	CCONJ
gp-286	35	125	business	business	NOUN
gp-286	35	126	history	history	NOUN
gp-286	35	127	(	(	PUNCT
gp-286	35	128	c3.2	c3.2	PROPN
gp-286	35	129	)	)	PUNCT
gp-286	35	130	.	.	PUNCT
gp-286	36	1	the	the	DET
gp-286	36	2	population	population	NOUN
gp-286	36	3	included	include	VERB
gp-286	36	4	all	all	DET
gp-286	36	5	companies	company	NOUN
gp-286	36	6	that	that	PRON
gp-286	36	7	applied	apply	VERB
gp-286	36	8	for	for	ADP
gp-286	36	9	medium	medium	ADJ
gp-286	36	10	credit	credit	NOUN
gp-286	36	11	loans	loan	NOUN
gp-286	36	12	at	at	ADP
gp-286	36	13	bri	bri	PROPN
gp-286	36	14	denpasar	denpasar	NOUN
gp-286	36	15	during	during	ADP
gp-286	36	16	2022–2024	2022–2024	NUM
gp-286	36	17	,	,	PUNCT
gp-286	36	18	totaling	total	VERB
gp-286	36	19	47	47	NUM
gp-286	36	20	customers	customer	NOUN
gp-286	36	21	.	.	PUNCT
gp-286	37	1	the	the	DET
gp-286	37	2	sample	sample	NOUN
gp-286	37	3	was	be	AUX
gp-286	37	4	selected	select	VERB
gp-286	37	5	using	use	VERB
gp-286	37	6	purposive	purposive	NOUN
gp-286	37	7	sampling	sampling	NOUN
gp-286	37	8	based	base	VERB
gp-286	37	9	on	on	ADP
gp-286	37	10	the	the	DET
gp-286	37	11	criteria	criterion	NOUN
gp-286	37	12	of	of	ADP
gp-286	37	13	companies	company	NOUN
gp-286	37	14	applying	apply	VERB
gp-286	37	15	for	for	ADP
gp-286	37	16	medium	medium	ADJ
gp-286	37	17	credit	credit	NOUN
gp-286	37	18	of	of	ADP
gp-286	37	19	at	at	ADV
gp-286	37	20	least	least	ADJ
gp-286	37	21	idr	idr	VERB
gp-286	37	22	25	25	NUM
gp-286	37	23	billion	billion	NUM
gp-286	37	24	,	,	PUNCT
gp-286	37	25	operating	operate	VERB
gp-286	37	26	for	for	ADP
gp-286	37	27	a	a	DET
gp-286	37	28	minimum	minimum	NOUN
gp-286	37	29	of	of	ADP
gp-286	37	30	three	three	NUM
gp-286	37	31	years	year	NOUN
gp-286	37	32	,	,	PUNCT
gp-286	37	33	and	and	CCONJ
gp-286	37	34	possessing	possess	VERB
gp-286	37	35	complete	complete	ADJ
gp-286	37	36	financial	financial	ADJ
gp-286	37	37	statements	statement	NOUN
gp-286	37	38	.	.	PUNCT
gp-286	38	1	seventeen	seventeen	NUM
gp-286	38	2	companies	company	NOUN
gp-286	38	3	met	meet	VERB
gp-286	38	4	these	these	DET
gp-286	38	5	criteria	criterion	NOUN
gp-286	38	6	and	and	CCONJ
gp-286	38	7	were	be	AUX
gp-286	38	8	selected	select	VERB
gp-286	38	9	for	for	ADP
gp-286	38	10	secondary	secondary	ADJ
gp-286	38	11	data	datum	NOUN
gp-286	38	12	collection	collection	NOUN
gp-286	38	13	,	,	PUNCT
gp-286	38	14	while	while	SCONJ
gp-286	38	15	25	25	NUM
gp-286	38	16	credit	credit	NOUN
gp-286	38	17	officers	officer	NOUN
gp-286	38	18	served	serve	VERB
gp-286	38	19	as	as	ADP
gp-286	38	20	respondents	respondent	NOUN
gp-286	38	21	for	for	ADP
gp-286	38	22	the	the	DET
gp-286	38	23	ahp	ahp	NOUN
gp-286	38	24	assessment	assessment	NOUN
gp-286	38	25	.	.	PUNCT
gp-286	39	1	data	datum	NOUN
gp-286	39	2	were	be	AUX
gp-286	39	3	collected	collect	VERB
gp-286	39	4	through	through	ADP
gp-286	39	5	questionnaires	questionnaire	NOUN
gp-286	39	6	containing	contain	VERB
gp-286	39	7	pairwise	pairwise	NOUN
gp-286	39	8	comparisons	comparison	NOUN
gp-286	39	9	using	use	VERB
gp-286	39	10	a	a	DET
gp-286	39	11	1–9	1–9	NUM
gp-286	39	12	saaty	saaty	NOUN
gp-286	39	13	scale	scale	NOUN
gp-286	39	14	,	,	PUNCT
gp-286	39	15	completed	complete	VERB
gp-286	39	16	by	by	ADP
gp-286	39	17	25	25	NUM
gp-286	39	18	credit	credit	NOUN
gp-286	39	19	officers	officer	NOUN
gp-286	39	20	from	from	ADP
gp-286	39	21	bri	bri	PROPN
gp-286	39	22	denpasar	denpasar	NOUN
gp-286	39	23	with	with	ADP
gp-286	39	24	at	at	ADV
gp-286	39	25	least	least	ADV
gp-286	39	26	five	five	NUM
gp-286	39	27	years	year	NOUN
gp-286	39	28	of	of	ADP
gp-286	39	29	experience	experience	NOUN
gp-286	39	30	.	.	PUNCT
gp-286	40	1	secondary	secondary	ADJ
gp-286	40	2	data	datum	NOUN
gp-286	40	3	from	from	ADP
gp-286	40	4	financial	financial	ADJ
gp-286	40	5	statements	statement	NOUN
gp-286	40	6	and	and	CCONJ
gp-286	40	7	credit	credit	NOUN
gp-286	40	8	documents	document	NOUN
gp-286	40	9	of	of	ADP
gp-286	40	10	the	the	DET
gp-286	40	11	17	17	NUM
gp-286	40	12	companies	company	NOUN
gp-286	40	13	were	be	AUX
gp-286	40	14	also	also	ADV
gp-286	40	15	gathered	gather	VERB
gp-286	40	16	for	for	ADP
gp-286	40	17	empirical	empirical	ADJ
gp-286	40	18	model	model	NOUN
gp-286	40	19	validation	validation	NOUN
gp-286	40	20	.	.	PUNCT
gp-286	41	1	data	datum	NOUN
gp-286	41	2	analysis	analysis	NOUN
gp-286	41	3	involved	involve	VERB
gp-286	41	4	constructing	construct	VERB
gp-286	41	5	the	the	DET
gp-286	41	6	pairwise	pairwise	NOUN
gp-286	41	7	comparison	comparison	NOUN
gp-286	41	8	matrix	matrix	NOUN
gp-286	41	9	,	,	PUNCT
gp-286	41	10	calculating	calculate	VERB
gp-286	41	11	eigenvectors	eigenvector	NOUN
gp-286	41	12	,	,	PUNCT
gp-286	41	13	performing	perform	VERB
gp-286	41	14	consistency	consistency	NOUN
gp-286	41	15	checks	check	NOUN
gp-286	41	16	using	use	VERB
gp-286	41	17	the	the	DET
gp-286	41	18	consistency	consistency	NOUN
gp-286	41	19	ratio	ratio	NOUN
gp-286	41	20	(	(	PUNCT
gp-286	41	21	cr	cr	NOUN
gp-286	41	22	)	)	PUNCT
gp-286	41	23	,	,	PUNCT
gp-286	41	24	and	and	CCONJ
gp-286	41	25	computing	compute	VERB
gp-286	41	26	global	global	ADJ
gp-286	41	27	priority	priority	NOUN
gp-286	41	28	weights	weight	NOUN
gp-286	41	29	.	.	PUNCT
gp-286	42	1	model	model	NOUN
gp-286	42	2	validation	validation	NOUN
gp-286	42	3	was	be	AUX
gp-286	42	4	conducted	conduct	VERB
gp-286	42	5	using	use	VERB
gp-286	42	6	spicelogic	spicelogic	ADJ
gp-286	42	7	ahp	ahp	PROPN
gp-286	42	8	professional	professional	ADJ
gp-286	42	9	software	software	PROPN
gp-286	42	10	.	.	PUNCT
gp-286	43	1	result	result	NOUN
gp-286	43	2	and	and	CCONJ
gp-286	43	3	discussion	discussion	NOUN
gp-286	43	4	respondent	respondent	NOUN
gp-286	43	5	characteristics	characteristic	NOUN
gp-286	43	6	this	this	DET
gp-286	43	7	study	study	NOUN
gp-286	43	8	used	use	VERB
gp-286	43	9	25	25	NUM
gp-286	43	10	respondents	respondent	NOUN
gp-286	43	11	who	who	PRON
gp-286	43	12	were	be	AUX
gp-286	43	13	experienced	experience	VERB
gp-286	43	14	credit	credit	NOUN
gp-286	43	15	officials	official	NOUN
gp-286	43	16	at	at	ADP
gp-286	43	17	bri	bri	PROPN
gp-286	43	18	denpasar	denpasar	NOUN
gp-286	43	19	.	.	PUNCT
gp-286	44	1	all	all	DET
gp-286	44	2	respondents	respondent	NOUN
gp-286	44	3	filled	fill	VERB
gp-286	44	4	out	out	ADP
gp-286	44	5	the	the	DET
gp-286	44	6	questionnaire	questionnaire	NOUN
gp-286	44	7	using	use	VERB
gp-286	44	8	the	the	DET
gp-286	44	9	form	form	NOUN
gp-286	44	10	filled	fill	VERB
gp-286	44	11	out	out	ADP
gp-286	44	12	in	in	ADP
gp-286	44	13	the	the	DET
gp-286	44	14	june	june	PROPN
gp-286	44	15	2025	2025	NUM
gp-286	44	16	period	period	NOUN
gp-286	44	17	.	.	PUNCT
gp-286	45	1	the	the	DET
gp-286	45	2	characteristics	characteristic	NOUN
gp-286	45	3	of	of	ADP
gp-286	45	4	respondents	respondent	NOUN
gp-286	45	5	in	in	ADP
gp-286	45	6	the	the	DET
gp-286	45	7	study	study	NOUN
gp-286	45	8	were	be	AUX
gp-286	45	9	identified	identify	VERB
gp-286	45	10	based	base	VERB
gp-286	45	11	on	on	ADP
gp-286	45	12	gender	gender	NOUN
gp-286	45	13	,	,	PUNCT
gp-286	45	14	age	age	NOUN
gp-286	45	15	,	,	PUNCT
gp-286	45	16	position	position	NOUN
gp-286	45	17	group	group	NOUN
gp-286	45	18	and	and	CCONJ
gp-286	45	19	experience	experience	NOUN
gp-286	45	20	of	of	ADP
gp-286	45	21	working	work	VERB
gp-286	45	22	at	at	ADP
gp-286	45	23	bank	bank	PROPN
gp-286	45	24	bri	bri	PROPN
gp-286	45	25	denpasar	denpasar	PROPN
gp-286	45	26	.	.	PUNCT
gp-286	46	1	based	base	VERB
gp-286	46	2	on	on	ADP
gp-286	46	3	gender	gender	NOUN
gp-286	46	4	,	,	PUNCT
gp-286	46	5	respondents	respondent	NOUN
gp-286	46	6	were	be	AUX
gp-286	46	7	dominated	dominate	VERB
gp-286	46	8	by	by	ADP
gp-286	46	9	men	man	NOUN
gp-286	46	10	by	by	ADP
gp-286	46	11	80	80	NUM
gp-286	46	12	%	%	NOUN
gp-286	46	13	(	(	PUNCT
gp-286	46	14	20	20	NUM
gp-286	46	15	people	people	NOUN
gp-286	46	16	)	)	PUNCT
gp-286	46	17	and	and	CCONJ
gp-286	46	18	women	woman	NOUN
gp-286	46	19	by	by	ADP
gp-286	46	20	20	20	NUM
gp-286	46	21	%	%	NOUN
gp-286	46	22	(	(	PUNCT
gp-286	46	23	5	5	NUM
gp-286	46	24	people	people	NOUN
gp-286	46	25	)	)	PUNCT
gp-286	46	26	.	.	PUNCT
gp-286	47	1	this	this	PRON
gp-286	47	2	shows	show	VERB
gp-286	47	3	the	the	DET
gp-286	47	4	dominance	dominance	NOUN
gp-286	47	5	of	of	ADP
gp-286	47	6	male	male	ADJ
gp-286	47	7	gender	gender	NOUN
gp-286	47	8	in	in	ADP
gp-286	47	9	the	the	DET
gp-286	47	10	banking	banking	NOUN
gp-286	47	11	sector	sector	NOUN
gp-286	47	12	,	,	PUNCT
gp-286	47	13	especially	especially	ADV
gp-286	47	14	in	in	ADP
gp-286	47	15	the	the	DET
gp-286	47	16	credit	credit	NOUN
gp-286	47	17	sector	sector	NOUN
gp-286	47	18	at	at	ADP
gp-286	47	19	bri	bri	PROPN
gp-286	47	20	denpasar	denpasar	NOUN
gp-286	47	21	.	.	PUNCT
gp-286	48	1	this	this	DET
gp-286	48	2	distribution	distribution	NOUN
gp-286	48	3	reflects	reflect	VERB
gp-286	48	4	the	the	DET
gp-286	48	5	condition	condition	NOUN
gp-286	48	6	of	of	ADP
gp-286	48	7	the	the	DET
gp-286	48	8	indonesian	indonesian	ADJ
gp-286	48	9	banking	banking	NOUN
gp-286	48	10	industry	industry	NOUN
gp-286	48	11	where	where	SCONJ
gp-286	48	12	strategic	strategic	ADJ
gp-286	48	13	positions	position	NOUN
gp-286	48	14	in	in	ADP
gp-286	48	15	the	the	DET
gp-286	48	16	credit	credit	NOUN
gp-286	48	17	sector	sector	NOUN
gp-286	48	18	are	be	AUX
gp-286	48	19	still	still	ADV
gp-286	48	20	dominated	dominate	VERB
gp-286	48	21	by	by	ADP
gp-286	48	22	male	male	ADJ
gp-286	48	23	workers	worker	NOUN
gp-286	48	24	,	,	PUNCT
gp-286	48	25	especially	especially	ADV
gp-286	48	26	for	for	ADP
gp-286	48	27	managerial	managerial	ADJ
gp-286	48	28	levels	level	NOUN
gp-286	48	29	and	and	CCONJ
gp-286	48	30	credit	credit	NOUN
gp-286	48	31	decision	decision	NOUN
gp-286	48	32	-	-	PUNCT
gp-286	48	33	making	making	NOUN
gp-286	48	34	that	that	PRON
gp-286	48	35	require	require	VERB
gp-286	48	36	specialized	specialized	ADJ
gp-286	48	37	experience	experience	NOUN
gp-286	48	38	and	and	CCONJ
gp-286	48	39	expertise	expertise	NOUN
gp-286	48	40	.	.	PUNCT
gp-286	49	1	in	in	ADP
gp-286	49	2	terms	term	NOUN
gp-286	49	3	of	of	ADP
gp-286	49	4	age	age	NOUN
gp-286	49	5	,	,	PUNCT
gp-286	49	6	most	most	ADJ
gp-286	49	7	respondents	respondent	NOUN
gp-286	49	8	were	be	AUX
gp-286	49	9	in	in	ADP
gp-286	49	10	the	the	DET
gp-286	49	11	age	age	NOUN
gp-286	49	12	range	range	NOUN
gp-286	49	13	of	of	ADP
gp-286	49	14	36	36	NUM
gp-286	49	15	-	-	SYM
gp-286	49	16	40	40	NUM
gp-286	49	17	years	year	NOUN
gp-286	49	18	with	with	ADP
gp-286	49	19	a	a	DET
gp-286	49	20	percentage	percentage	NOUN
gp-286	49	21	of	of	ADP
gp-286	49	22	44	44	NUM
gp-286	49	23	%	%	NOUN
gp-286	49	24	(	(	PUNCT
gp-286	49	25	11	11	NUM
gp-286	49	26	people	people	NOUN
gp-286	49	27	)	)	PUNCT
gp-286	49	28	,	,	PUNCT
gp-286	49	29	followed	follow	VERB
gp-286	49	30	by	by	ADP
gp-286	49	31	the	the	DET
gp-286	49	32	age	age	NOUN
gp-286	49	33	range	range	NOUN
gp-286	49	34	of	of	ADP
gp-286	49	35	31	31	NUM
gp-286	49	36	-	-	SYM
gp-286	49	37	35	35	NUM
gp-286	49	38	years	year	NOUN
gp-286	49	39	of	of	ADP
gp-286	49	40	20	20	NUM
gp-286	49	41	%	%	NOUN
gp-286	49	42	(	(	PUNCT
gp-286	49	43	5	5	NUM
gp-286	49	44	people	people	NOUN
gp-286	49	45	)	)	PUNCT
gp-286	49	46	.	.	PUNCT
gp-286	50	1	the	the	DET
gp-286	50	2	age	age	NOUN
gp-286	50	3	range	range	NOUN
gp-286	50	4	of	of	ADP
gp-286	50	5	41	41	NUM
gp-286	50	6	-	-	SYM
gp-286	50	7	45	45	NUM
gp-286	50	8	years	year	NOUN
gp-286	50	9	reached	reach	VERB
gp-286	50	10	16	16	NUM
gp-286	50	11	%	%	NOUN
gp-286	50	12	(	(	PUNCT
gp-286	50	13	4	4	NUM
gp-286	50	14	people	people	NOUN
gp-286	50	15	)	)	PUNCT
gp-286	50	16	,	,	PUNCT
gp-286	50	17	while	while	SCONJ
gp-286	50	18	the	the	DET
gp-286	50	19	age	age	NOUN
gp-286	50	20	range	range	NOUN
gp-286	50	21	of	of	ADP
gp-286	50	22	26	26	NUM
gp-286	50	23	-	-	SYM
gp-286	50	24	30	30	NUM
gp-286	50	25	years	year	NOUN
gp-286	50	26	and	and	CCONJ
gp-286	50	27	over	over	ADP
gp-286	50	28	45	45	NUM
gp-286	50	29	years	year	NOUN
gp-286	50	30	old	old	ADJ
gp-286	50	31	was	be	AUX
gp-286	50	32	12	12	NUM
gp-286	50	33	%	%	NOUN
gp-286	50	34	and	and	CCONJ
gp-286	50	35	8	8	NUM
gp-286	50	36	%	%	NOUN
gp-286	50	37	respectively	respectively	ADV
gp-286	50	38	.	.	PUNCT
gp-286	51	1	this	this	DET
gp-286	51	2	distribution	distribution	NOUN
gp-286	51	3	shows	show	VERB
gp-286	51	4	respondents	respondent	NOUN
gp-286	51	5	are	be	AUX
gp-286	51	6	of	of	ADP
gp-286	51	7	productive	productive	ADJ
gp-286	51	8	age	age	NOUN
gp-286	51	9	with	with	ADP
gp-286	51	10	mature	mature	ADJ
gp-286	51	11	work	work	NOUN
gp-286	51	12	experience	experience	NOUN
gp-286	51	13	and	and	CCONJ
gp-286	51	14	a	a	DET
gp-286	51	15	deep	deep	ADJ
gp-286	51	16	understanding	understanding	NOUN
gp-286	51	17	of	of	ADP
gp-286	51	18	the	the	DET
gp-286	51	19	banking	banking	NOUN
gp-286	51	20	industry	industry	NOUN
gp-286	51	21	.	.	PUNCT
gp-286	52	1	this	this	DET
gp-286	52	2	age	age	NOUN
gp-286	52	3	composition	composition	NOUN
gp-286	52	4	is	be	AUX
gp-286	52	5	ideal	ideal	ADJ
gp-286	52	6	for	for	ADP
gp-286	52	7	ahp	ahp	NOUN
gp-286	52	8	research	research	NOUN
gp-286	52	9	because	because	SCONJ
gp-286	52	10	respondents	respondent	NOUN
gp-286	52	11	have	have	VERB
gp-286	52	12	enough	enough	ADJ
gp-286	52	13	experience	experience	NOUN
gp-286	52	14	to	to	PART
gp-286	52	15	provide	provide	VERB
gp-286	52	16	an	an	DET
gp-286	52	17	objective	objective	ADJ
gp-286	52	18	assessment	assessment	NOUN
gp-286	52	19	but	but	CCONJ
gp-286	52	20	are	be	AUX
gp-286	52	21	still	still	ADV
gp-286	52	22	actively	actively	ADV
gp-286	52	23	following	follow	VERB
gp-286	52	24	the	the	DET
gp-286	52	25	latest	late	ADJ
gp-286	52	26	developments	development	NOUN
gp-286	52	27	in	in	ADP
gp-286	52	28	the	the	DET
gp-286	52	29	credit	credit	NOUN
gp-286	52	30	sector	sector	NOUN
gp-286	52	31	.	.	PUNCT
gp-286	53	1	based	base	VERB
gp-286	53	2	on	on	ADP
gp-286	53	3	the	the	DET
gp-286	53	4	position	position	NOUN
gp-286	53	5	group	group	NOUN
gp-286	53	6	,	,	PUNCT
gp-286	53	7	most	most	ADJ
gp-286	53	8	respondents	respondent	NOUN
gp-286	53	9	were	be	AUX
gp-286	53	10	branch	branch	NOUN
gp-286	53	11	office	office	NOUN
gp-286	53	12	heads	head	NOUN
gp-286	53	13	with	with	ADP
gp-286	53	14	a	a	DET
gp-286	53	15	percentage	percentage	NOUN
gp-286	53	16	of	of	ADP
gp-286	53	17	40	40	NUM
gp-286	53	18	%	%	NOUN
gp-286	53	19	(	(	PUNCT
gp-286	53	20	10	10	NUM
gp-286	53	21	people	people	NOUN
gp-286	53	22	)	)	PUNCT
gp-286	53	23	,	,	PUNCT
gp-286	53	24	followed	follow	VERB
gp-286	53	25	by	by	ADP
gp-286	53	26	credit	credit	NOUN
gp-286	53	27	analysis	analysis	NOUN
gp-286	53	28	officers	officer	NOUN
gp-286	53	29	of	of	ADP
gp-286	53	30	24	24	NUM
gp-286	53	31	%	%	NOUN
gp-286	53	32	(	(	PUNCT
gp-286	53	33	6	6	NUM
gp-286	53	34	people	people	NOUN
gp-286	53	35	)	)	PUNCT
gp-286	53	36	,	,	PUNCT
gp-286	53	37	senior	senior	ADJ
gp-286	53	38	account	account	NOUN
gp-286	53	39	officers	officer	NOUN
gp-286	53	40	of	of	ADP
gp-286	53	41	20	20	NUM
gp-286	53	42	%	%	NOUN
gp-286	53	43	(	(	PUNCT
gp-286	53	44	5	5	NUM
gp-286	53	45	people	people	NOUN
gp-286	53	46	)	)	PUNCT
gp-286	53	47	,	,	PUNCT
gp-286	53	48	and	and	CCONJ
gp-286	53	49	credit	credit	NOUN
gp-286	53	50	committee	committee	NOUN
gp-286	53	51	members	member	NOUN
gp-286	53	52	of	of	ADP
gp-286	53	53	16	16	NUM
gp-286	53	54	%	%	NOUN
gp-286	53	55	(	(	PUNCT
gp-286	53	56	4	4	NUM
gp-286	53	57	people	people	NOUN
gp-286	53	58	)	)	PUNCT
gp-286	53	59	.	.	PUNCT
gp-286	54	1	this	this	DET
gp-286	54	2	distribution	distribution	NOUN
gp-286	54	3	shows	show	VERB
gp-286	54	4	that	that	SCONJ
gp-286	54	5	respondents	respondent	NOUN
gp-286	54	6	have	have	VERB
gp-286	54	7	direct	direct	ADJ
gp-286	54	8	authority	authority	NOUN
gp-286	54	9	and	and	CCONJ
gp-286	54	10	experience	experience	NOUN
gp-286	54	11	in	in	ADP
gp-286	54	12	the	the	DET
gp-286	54	13	credit	credit	NOUN
gp-286	54	14	analysis	analysis	NOUN
gp-286	54	15	and	and	CCONJ
gp-286	54	16	decisionmaking	decisionmake	VERB
gp-286	54	17	process	process	NOUN
gp-286	54	18	.	.	PUNCT
gp-286	55	1	branch	branch	NOUN
gp-286	55	2	office	office	NOUN
gp-286	55	3	heads	head	NOUN
gp-286	55	4	as	as	ADP
gp-286	55	5	the	the	DET
gp-286	55	6	highest	high	ADJ
gp-286	55	7	authority	authority	NOUN
gp-286	55	8	holders	holder	NOUN
gp-286	55	9	at	at	ADP
gp-286	55	10	the	the	DET
gp-286	55	11	branch	branch	NOUN
gp-286	55	12	level	level	NOUN
gp-286	55	13	have	have	VERB
gp-286	55	14	analysis	analysis	NOUN
gp-286	55	15	of	of	ADP
gp-286	55	16	financial	financial	ADJ
gp-286	55	17	performance	performance	NOUN
gp-286	55	18	characteristics	characteristic	NOUN
gp-286	55	19	,	,	PUNCT
gp-286	55	20	collateral	collateral	ADJ
gp-286	55	21	assessment	assessment	NOUN
gp-286	55	22	and	and	CCONJ
gp-286	55	23	business	business	NOUN
gp-286	55	24	type	type	NOUN
gp-286	55	25	in	in	ADP
gp-286	55	26	the	the	DET
gp-286	55	27	decision	decision	NOUN
gp-286	55	28	to	to	PART
gp-286	55	29	provide	provide	VERB
gp-286	55	30	medium	medium	ADJ
gp-286	55	31	credit	credit	NOUN
gp-286	55	32	facilities	facility	NOUN
gp-286	55	33	at	at	ADP
gp-286	55	34	bri	bri	PROPN
gp-286	55	35	denpasar	denpasar	NOUN
gp-286	55	36	using	use	VERB
gp-286	55	37	the	the	DET
gp-286	55	38	analytical	analytical	ADJ
gp-286	55	39	hierarchy	hierarchy	NOUN
gp-286	55	40	process	process	NOUN
gp-286	55	41	method	method	VERB
gp-286	55	42	1229	1229	NUM
gp-286	55	43	comprehensive	comprehensive	ADJ
gp-286	55	44	experience	experience	NOUN
gp-286	55	45	in	in	ADP
gp-286	55	46	all	all	DET
gp-286	55	47	aspects	aspect	NOUN
gp-286	55	48	of	of	ADP
gp-286	55	49	credit	credit	NOUN
gp-286	55	50	,	,	PUNCT
gp-286	55	51	while	while	SCONJ
gp-286	55	52	credit	credit	NOUN
gp-286	55	53	analysts	analyst	NOUN
gp-286	55	54	have	have	VERB
gp-286	55	55	technical	technical	ADJ
gp-286	55	56	expertise	expertise	NOUN
gp-286	55	57	in	in	ADP
gp-286	55	58	in	in	ADP
gp-286	55	59	-	-	PUNCT
gp-286	55	60	depth	depth	NOUN
gp-286	55	61	credit	credit	NOUN
gp-286	55	62	risk	risk	NOUN
gp-286	55	63	analysis	analysis	NOUN
gp-286	55	64	.	.	PUNCT
gp-286	56	1	for	for	ADP
gp-286	56	2	work	work	NOUN
gp-286	56	3	experience	experience	NOUN
gp-286	56	4	in	in	ADP
gp-286	56	5	the	the	DET
gp-286	56	6	credit	credit	NOUN
gp-286	56	7	field	field	NOUN
gp-286	56	8	,	,	PUNCT
gp-286	56	9	the	the	DET
gp-286	56	10	majority	majority	NOUN
gp-286	56	11	have	have	VERB
gp-286	56	12	more	more	ADJ
gp-286	56	13	than	than	ADP
gp-286	56	14	5	5	NUM
gp-286	56	15	years	year	NOUN
gp-286	56	16	of	of	ADP
gp-286	56	17	experience	experience	NOUN
gp-286	56	18	with	with	ADP
gp-286	56	19	distribution	distribution	NOUN
gp-286	56	20	:	:	PUNCT
gp-286	56	21	6	6	NUM
gp-286	56	22	-	-	SYM
gp-286	56	23	8	8	NUM
gp-286	56	24	years	year	NOUN
gp-286	56	25	(	(	PUNCT
gp-286	56	26	28	28	NUM
gp-286	56	27	%	%	NOUN
gp-286	56	28	7	7	NUM
gp-286	56	29	people	people	NOUN
gp-286	56	30	)	)	PUNCT
gp-286	56	31	,	,	PUNCT
gp-286	56	32	12	12	NUM
gp-286	56	33	-	-	SYM
gp-286	56	34	14	14	NUM
gp-286	56	35	years	year	NOUN
gp-286	56	36	(	(	PUNCT
gp-286	56	37	28	28	NUM
gp-286	56	38	%	%	NOUN
gp-286	56	39	7	7	NUM
gp-286	56	40	people	people	NOUN
gp-286	56	41	)	)	PUNCT
gp-286	56	42	,	,	PUNCT
gp-286	56	43	9	9	NUM
gp-286	56	44	-	-	SYM
gp-286	56	45	11	11	NUM
gp-286	56	46	years	year	NOUN
gp-286	56	47	(	(	PUNCT
gp-286	56	48	20	20	NUM
gp-286	56	49	%	%	NOUN
gp-286	56	50	5	5	NUM
gp-286	56	51	people	people	NOUN
gp-286	56	52	)	)	PUNCT
gp-286	56	53	,	,	PUNCT
gp-286	56	54	15	15	NUM
gp-286	56	55	-	-	SYM
gp-286	56	56	20	20	NUM
gp-286	56	57	years	year	NOUN
gp-286	56	58	(	(	PUNCT
gp-286	56	59	16	16	NUM
gp-286	56	60	%	%	NOUN
gp-286	56	61	4	4	NUM
gp-286	56	62	people	people	NOUN
gp-286	56	63	)	)	PUNCT
gp-286	56	64	,	,	PUNCT
gp-286	56	65	and	and	CCONJ
gp-286	56	66	5	5	NUM
gp-286	56	67	-	-	SYM
gp-286	56	68	6	6	NUM
gp-286	56	69	years	year	NOUN
gp-286	56	70	(	(	PUNCT
gp-286	56	71	8	8	NUM
gp-286	56	72	%	%	NOUN
gp-286	56	73	2	2	NUM
gp-286	56	74	people	people	NOUN
gp-286	56	75	)	)	PUNCT
gp-286	56	76	.	.	PUNCT
gp-286	57	1	this	this	DET
gp-286	57	2	distribution	distribution	NOUN
gp-286	57	3	of	of	ADP
gp-286	57	4	experience	experience	NOUN
gp-286	57	5	shows	show	VERB
gp-286	57	6	a	a	DET
gp-286	57	7	very	very	ADV
gp-286	57	8	adequate	adequate	ADJ
gp-286	57	9	level	level	NOUN
gp-286	57	10	of	of	ADP
gp-286	57	11	expertise	expertise	NOUN
gp-286	57	12	with	with	ADP
gp-286	57	13	92	92	NUM
gp-286	57	14	%	%	NOUN
gp-286	57	15	of	of	ADP
gp-286	57	16	respondents	respondent	NOUN
gp-286	57	17	having	have	VERB
gp-286	57	18	more	more	ADJ
gp-286	57	19	than	than	ADP
gp-286	57	20	5	5	NUM
gp-286	57	21	years	year	NOUN
gp-286	57	22	of	of	ADP
gp-286	57	23	experience	experience	NOUN
gp-286	57	24	.	.	PUNCT
gp-286	58	1	this	this	DET
gp-286	58	2	diverse	diverse	ADJ
gp-286	58	3	experience	experience	NOUN
gp-286	58	4	provides	provide	VERB
gp-286	58	5	a	a	DET
gp-286	58	6	rich	rich	ADJ
gp-286	58	7	perspective	perspective	NOUN
gp-286	58	8	in	in	ADP
gp-286	58	9	the	the	DET
gp-286	58	10	assessment	assessment	NOUN
gp-286	58	11	of	of	ADP
gp-286	58	12	ahp	ahp	NOUN
gp-286	58	13	,	,	PUNCT
gp-286	58	14	ranging	range	VERB
gp-286	58	15	from	from	ADP
gp-286	58	16	fresh	fresh	ADJ
gp-286	58	17	views	view	NOUN
gp-286	58	18	from	from	ADP
gp-286	58	19	officials	official	NOUN
gp-286	58	20	with	with	ADP
gp-286	58	21	5	5	NUM
gp-286	58	22	-	-	SYM
gp-286	58	23	8	8	NUM
gp-286	58	24	years	year	NOUN
gp-286	58	25	of	of	ADP
gp-286	58	26	experience	experience	NOUN
gp-286	58	27	to	to	ADP
gp-286	58	28	wisdom	wisdom	NOUN
gp-286	58	29	from	from	ADP
gp-286	58	30	seniors	senior	NOUN
gp-286	58	31	with	with	ADP
gp-286	58	32	more	more	ADJ
gp-286	58	33	than	than	ADP
gp-286	58	34	15	15	NUM
gp-286	58	35	years	year	NOUN
gp-286	58	36	of	of	ADP
gp-286	58	37	experience	experience	NOUN
gp-286	58	38	.	.	PUNCT
gp-286	59	1	the	the	DET
gp-286	59	2	validity	validity	NOUN
gp-286	59	3	of	of	ADP
gp-286	59	4	respondents	respondent	NOUN
gp-286	59	5	for	for	ADP
gp-286	59	6	the	the	DET
gp-286	59	7	ahp	ahp	NOUN
gp-286	59	8	analysis	analysis	NOUN
gp-286	59	9	was	be	AUX
gp-286	59	10	qualified	qualify	VERB
gp-286	59	11	based	base	VERB
gp-286	59	12	on	on	ADP
gp-286	59	13	the	the	DET
gp-286	59	14	criteria	criterion	NOUN
gp-286	59	15	of	of	ADP
gp-286	59	16	saaty	saaty	NOUN
gp-286	59	17	&	&	CCONJ
gp-286	59	18	vargas	vargas	PROPN
gp-286	59	19	(	(	PUNCT
gp-286	59	20	2022	2022	NUM
gp-286	59	21	)	)	PUNCT
gp-286	59	22	with	with	ADP
gp-286	59	23	four	four	NUM
gp-286	59	24	important	important	ADJ
gp-286	59	25	dimensions	dimension	NOUN
gp-286	59	26	.	.	PUNCT
gp-286	60	1	first	first	ADV
gp-286	60	2	,	,	PUNCT
gp-286	60	3	the	the	DET
gp-286	60	4	expertise	expertise	NOUN
gp-286	60	5	level	level	NOUN
gp-286	60	6	where	where	SCONJ
gp-286	60	7	92	92	NUM
gp-286	60	8	%	%	NOUN
gp-286	60	9	of	of	ADP
gp-286	60	10	respondents	respondent	NOUN
gp-286	60	11	have	have	VERB
gp-286	60	12	more	more	ADJ
gp-286	60	13	than	than	ADP
gp-286	60	14	5	5	NUM
gp-286	60	15	years	year	NOUN
gp-286	60	16	of	of	ADP
gp-286	60	17	experience	experience	NOUN
gp-286	60	18	shows	show	VERB
gp-286	60	19	an	an	DET
gp-286	60	20	adequate	adequate	ADJ
gp-286	60	21	level	level	NOUN
gp-286	60	22	of	of	ADP
gp-286	60	23	expertise	expertise	NOUN
gp-286	60	24	to	to	PART
gp-286	60	25	provide	provide	VERB
gp-286	60	26	a	a	DET
gp-286	60	27	credible	credible	ADJ
gp-286	60	28	assessment	assessment	NOUN
gp-286	60	29	.	.	PUNCT
gp-286	61	1	second	second	ADJ
gp-286	61	2	,	,	PUNCT
gp-286	61	3	decision	decision	NOUN
gp-286	61	4	authority	authority	NOUN
gp-286	61	5	where	where	SCONJ
gp-286	61	6	52	52	NUM
gp-286	61	7	%	%	NOUN
gp-286	61	8	of	of	ADP
gp-286	61	9	respondents	respondent	NOUN
gp-286	61	10	have	have	VERB
gp-286	61	11	direct	direct	ADJ
gp-286	61	12	authority	authority	NOUN
gp-286	61	13	in	in	ADP
gp-286	61	14	credit	credit	NOUN
gp-286	61	15	decision	decision	NOUN
gp-286	61	16	-	-	PUNCT
gp-286	61	17	making	making	NOUN
gp-286	61	18	,	,	PUNCT
gp-286	61	19	gives	give	VERB
gp-286	61	20	legitimacy	legitimacy	NOUN
gp-286	61	21	to	to	ADP
gp-286	61	22	the	the	DET
gp-286	61	23	assessment	assessment	NOUN
gp-286	61	24	given	give	VERB
gp-286	61	25	.	.	PUNCT
gp-286	62	1	third	third	ADJ
gp-286	62	2	,	,	PUNCT
gp-286	62	3	the	the	DET
gp-286	62	4	domain	domain	NOUN
gp-286	62	5	of	of	ADP
gp-286	62	6	knowledge	knowledge	NOUN
gp-286	62	7	where	where	SCONJ
gp-286	62	8	100	100	NUM
gp-286	62	9	%	%	NOUN
gp-286	62	10	of	of	ADP
gp-286	62	11	respondents	respondent	NOUN
gp-286	62	12	understand	understand	VERB
gp-286	62	13	the	the	DET
gp-286	62	14	bri	bri	PROPN
gp-286	62	15	denpasar	denpasar	NOUN
gp-286	62	16	credit	credit	NOUN
gp-286	62	17	process	process	NOUN
gp-286	62	18	in	in	ADP
gp-286	62	19	depth	depth	NOUN
gp-286	62	20	through	through	ADP
gp-286	62	21	direct	direct	ADJ
gp-286	62	22	involvement	involvement	NOUN
gp-286	62	23	in	in	ADP
gp-286	62	24	credit	credit	NOUN
gp-286	62	25	activities	activity	NOUN
gp-286	62	26	.	.	PUNCT
gp-286	63	1	fourth	fourth	ADJ
gp-286	63	2	,	,	PUNCT
gp-286	63	3	consistency	consistency	NOUN
gp-286	63	4	capability	capability	NOUN
gp-286	63	5	where	where	SCONJ
gp-286	63	6	all	all	DET
gp-286	63	7	respondents	respondent	NOUN
gp-286	63	8	are	be	AUX
gp-286	63	9	proven	prove	VERB
gp-286	63	10	to	to	PART
gp-286	63	11	be	be	AUX
gp-286	63	12	able	able	ADJ
gp-286	63	13	to	to	PART
gp-286	63	14	provide	provide	VERB
gp-286	63	15	consistent	consistent	ADJ
gp-286	63	16	assessments	assessment	NOUN
gp-286	63	17	that	that	PRON
gp-286	63	18	will	will	AUX
gp-286	63	19	be	be	AUX
gp-286	63	20	validated	validate	VERB
gp-286	63	21	through	through	ADP
gp-286	63	22	the	the	DET
gp-286	63	23	ahp	ahp	NOUN
gp-286	63	24	consistency	consistency	NOUN
gp-286	63	25	test	test	NOUN
gp-286	63	26	.	.	PUNCT
gp-286	64	1	credit	credit	NOUN
gp-286	64	2	portfolio	portfolio	NOUN
gp-286	64	3	secondary	secondary	ADJ
gp-286	64	4	data	datum	NOUN
gp-286	64	5	analysis	analysis	NOUN
gp-286	64	6	the	the	DET
gp-286	64	7	research	research	NOUN
gp-286	64	8	uses	use	VERB
gp-286	64	9	secondary	secondary	ADJ
gp-286	64	10	data	datum	NOUN
gp-286	64	11	through	through	ADP
gp-286	64	12	purposive	purposive	ADJ
gp-286	64	13	sampling	sampling	NOUN
gp-286	64	14	techniques	technique	NOUN
gp-286	64	15	from	from	ADP
gp-286	64	16	the	the	DET
gp-286	64	17	credit	credit	NOUN
gp-286	64	18	analysis	analysis	NOUN
gp-286	64	19	memorandum	memorandum	NOUN
gp-286	64	20	(	(	PUNCT
gp-286	64	21	mak	mak	NOUN
gp-286	64	22	)	)	PUNCT
gp-286	64	23	document	document	NOUN
gp-286	64	24	of	of	ADP
gp-286	64	25	17	17	NUM
gp-286	64	26	companies	company	NOUN
gp-286	64	27	out	out	ADP
gp-286	64	28	of	of	ADP
gp-286	64	29	a	a	DET
gp-286	64	30	total	total	NOUN
gp-286	64	31	of	of	ADP
gp-286	64	32	47	47	NUM
gp-286	64	33	medium	medium	ADJ
gp-286	64	34	-	-	PUNCT
gp-286	64	35	sized	sized	ADJ
gp-286	64	36	credit	credit	NOUN
gp-286	64	37	customers	customer	NOUN
gp-286	64	38	for	for	ADP
gp-286	64	39	the	the	DET
gp-286	64	40	2022	2022	NUM
gp-286	64	41	-	-	SYM
gp-286	64	42	2024	2024	NUM
gp-286	64	43	period	period	NOUN
gp-286	64	44	.	.	PUNCT
gp-286	65	1	the	the	DET
gp-286	65	2	selection	selection	NOUN
gp-286	65	3	of	of	ADP
gp-286	65	4	17	17	NUM
gp-286	65	5	cases	case	NOUN
gp-286	65	6	(	(	PUNCT
gp-286	65	7	36.2	36.2	NUM
gp-286	65	8	%	%	NOUN
gp-286	65	9	of	of	ADP
gp-286	65	10	the	the	DET
gp-286	65	11	population	population	NOUN
gp-286	65	12	)	)	PUNCT
gp-286	65	13	met	meet	VERB
gp-286	65	14	the	the	DET
gp-286	65	15	sekaran	sekaran	NOUN
gp-286	65	16	&	&	CCONJ
gp-286	65	17	bougie	bougie	PROPN
gp-286	65	18	(	(	PUNCT
gp-286	65	19	2022	2022	NUM
gp-286	65	20	)	)	PUNCT
gp-286	65	21	standard	standard	NOUN
gp-286	65	22	for	for	ADP
gp-286	65	23	a	a	DET
gp-286	65	24	small	small	ADJ
gp-286	65	25	population	population	NOUN
gp-286	65	26	where	where	SCONJ
gp-286	65	27	30	30	NUM
gp-286	65	28	-	-	SYM
gp-286	65	29	40	40	NUM
gp-286	65	30	%	%	NOUN
gp-286	65	31	is	be	AUX
gp-286	65	32	sufficient	sufficient	ADJ
gp-286	65	33	for	for	ADP
gp-286	65	34	good	good	ADJ
gp-286	65	35	representation	representation	NOUN
gp-286	65	36	.	.	PUNCT
gp-286	66	1	the	the	DET
gp-286	66	2	strict	strict	ADJ
gp-286	66	3	sampling	sampling	NOUN
gp-286	66	4	criteria	criterion	NOUN
gp-286	66	5	include	include	VERB
gp-286	66	6	credit	credit	NOUN
gp-286	66	7	customers	customer	NOUN
gp-286	66	8	with	with	ADP
gp-286	66	9	a	a	DET
gp-286	66	10	minimum	minimum	ADJ
gp-286	66	11	facility	facility	NOUN
gp-286	66	12	of	of	ADP
gp-286	66	13	idr	idr	PROPN
gp-286	66	14	25	25	NUM
gp-286	66	15	billion	billion	NUM
gp-286	66	16	,	,	PUNCT
gp-286	66	17	companies	company	NOUN
gp-286	66	18	that	that	PRON
gp-286	66	19	have	have	AUX
gp-286	66	20	been	be	AUX
gp-286	66	21	operating	operate	VERB
gp-286	66	22	for	for	ADP
gp-286	66	23	at	at	ADV
gp-286	66	24	least	least	ADV
gp-286	66	25	3	3	NUM
gp-286	66	26	years	year	NOUN
gp-286	66	27	,	,	PUNCT
gp-286	66	28	have	have	VERB
gp-286	66	29	complete	complete	ADJ
gp-286	66	30	documentation	documentation	NOUN
gp-286	66	31	including	include	VERB
gp-286	66	32	audited	audit	VERB
gp-286	66	33	financial	financial	ADJ
gp-286	66	34	statements	statement	NOUN
gp-286	66	35	,	,	PUNCT
gp-286	66	36	collateral	collateral	ADJ
gp-286	66	37	assessments	assessment	NOUN
gp-286	66	38	from	from	ADP
gp-286	66	39	certified	certified	ADJ
gp-286	66	40	appraisers	appraiser	NOUN
gp-286	66	41	,	,	PUNCT
gp-286	66	42	and	and	CCONJ
gp-286	66	43	valid	valid	ADJ
gp-286	66	44	slik	slik	ADJ
gp-286	66	45	data	datum	NOUN
gp-286	66	46	.	.	PUNCT
gp-286	67	1	table	table	NOUN
gp-286	67	2	1	1	NUM
gp-286	67	3	.	.	PUNCT
gp-286	68	1	characteristics	characteristic	NOUN
gp-286	68	2	of	of	ADP
gp-286	68	3	bri	bri	PROPN
gp-286	68	4	denpasar	denpasar	PROPN
gp-286	68	5	credit	credit	NOUN
gp-286	68	6	portfolio	portfolio	NOUN
gp-286	68	7	no	no	DET
gp-286	68	8	business	business	NOUN
gp-286	68	9	sector	sector	NOUN
gp-286	68	10	sum	sum	NOUN
gp-286	68	11	percentage	percentage	NOUN
gp-286	68	12	average	average	ADJ
gp-286	68	13	loan	loan	NOUN
gp-286	68	14	(	(	PUNCT
gp-286	68	15	rp	rp	NOUN
gp-286	68	16	billion	billion	NUM
gp-286	68	17	)	)	PUNCT
gp-286	68	18	credit	credit	NOUN
gp-286	68	19	range	range	NOUN
gp-286	68	20	(	(	PUNCT
gp-286	68	21	rp	rp	NOUN
gp-286	68	22	billion	billion	NUM
gp-286	68	23	)	)	PUNCT
gp-286	68	24	1	1	NUM
gp-286	68	25	trade	trade	NOUN
gp-286	68	26	5	5	NUM
gp-286	68	27	29.4	29.4	NUM
gp-286	68	28	%	%	NOUN
gp-286	68	29	42.5	42.5	NUM
gp-286	68	30	28.3	28.3	NUM
gp-286	68	31	65.7	65.7	NUM
gp-286	68	32	2	2	NUM
gp-286	68	33	manufactory	manufactory	NOUN
gp-286	68	34	4	4	NUM
gp-286	68	35	23.5	23.5	NUM
gp-286	68	36	%	%	NOUN
gp-286	68	37	58.3	58.3	NUM
gp-286	68	38	35.2	35.2	NUM
gp-286	68	39	89.1	89.1	NUM
gp-286	68	40	3	3	NUM
gp-286	68	41	service	service	NOUN
gp-286	68	42	4	4	NUM
gp-286	68	43	23.5	23.5	NUM
gp-286	68	44	%	%	NOUN
gp-286	68	45	35.7	35.7	NUM
gp-286	68	46	25.8	25.8	NUM
gp-286	68	47	48.9	48.9	NUM
gp-286	68	48	4	4	NUM
gp-286	68	49	construction	construction	NOUN
gp-286	68	50	2	2	NUM
gp-286	68	51	11.8	11.8	NUM
gp-286	68	52	%	%	NOUN
gp-286	68	53	67.5	67.5	NUM
gp-286	68	54	52.3	52.3	NUM
gp-286	68	55	82.7	82.7	NUM
gp-286	68	56	5	5	NUM
gp-286	68	57	health	health	NOUN
gp-286	68	58	2	2	NUM
gp-286	68	59	11.8	11.8	NUM
gp-286	68	60	%	%	NOUN
gp-286	68	61	31.2	31.2	NUM
gp-286	68	62	26.4	26.4	NUM
gp-286	68	63	36.0	36.0	NUM
gp-286	68	64	total	total	NOUN
gp-286	68	65	17	17	NUM
gp-286	68	66	100	100	NUM
gp-286	68	67	%	%	NOUN
gp-286	68	68	47.0	47.0	NUM
gp-286	68	69	25.8	25.8	NUM
gp-286	68	70	89.1	89.1	NUM
gp-286	68	71	the	the	DET
gp-286	68	72	sectoral	sectoral	ADJ
gp-286	68	73	distribution	distribution	NOUN
gp-286	68	74	of	of	ADP
gp-286	68	75	the	the	DET
gp-286	68	76	portfolio	portfolio	NOUN
gp-286	68	77	shows	show	VERB
gp-286	68	78	a	a	DET
gp-286	68	79	concentration	concentration	NOUN
gp-286	68	80	in	in	ADP
gp-286	68	81	the	the	DET
gp-286	68	82	trade	trade	NOUN
gp-286	68	83	sector	sector	NOUN
gp-286	68	84	(	(	PUNCT
gp-286	68	85	29.4	29.4	NUM
gp-286	68	86	%	%	NOUN
gp-286	68	87	)	)	PUNCT
gp-286	68	88	which	which	PRON
gp-286	68	89	reflects	reflect	VERB
gp-286	68	90	the	the	DET
gp-286	68	91	economic	economic	ADJ
gp-286	68	92	characteristics	characteristic	NOUN
gp-286	68	93	of	of	ADP
gp-286	68	94	the	the	DET
gp-286	68	95	denpasar	denpasar	PROPN
gp-286	68	96	area	area	NOUN
gp-286	68	97	as	as	ADP
gp-286	68	98	a	a	DET
gp-286	68	99	center	center	NOUN
gp-286	68	100	of	of	ADP
gp-286	68	101	trade	trade	NOUN
gp-286	68	102	and	and	CCONJ
gp-286	68	103	tourism	tourism	NOUN
gp-286	68	104	.	.	PUNCT
gp-286	69	1	the	the	DET
gp-286	69	2	manufacturing	manufacturing	NOUN
gp-286	69	3	and	and	CCONJ
gp-286	69	4	services	service	NOUN
gp-286	69	5	sectors	sector	NOUN
gp-286	69	6	of	of	ADP
gp-286	69	7	23.5	23.5	NUM
gp-286	69	8	%	%	NOUN
gp-286	69	9	each	each	PRON
gp-286	69	10	showed	show	VERB
gp-286	69	11	good	good	ADJ
gp-286	69	12	diversification	diversification	NOUN
gp-286	69	13	in	in	ADP
gp-286	69	14	the	the	DET
gp-286	69	15	credit	credit	NOUN
gp-286	69	16	portfolio	portfolio	NOUN
gp-286	69	17	.	.	PUNCT
gp-286	70	1	the	the	DET
gp-286	70	2	construction	construction	NOUN
gp-286	70	3	sector	sector	NOUN
gp-286	70	4	,	,	PUNCT
gp-286	70	5	although	although	SCONJ
gp-286	70	6	only	only	ADV
gp-286	70	7	11.8	11.8	NUM
gp-286	70	8	%	%	NOUN
gp-286	70	9	,	,	PUNCT
gp-286	70	10	has	have	VERB
gp-286	70	11	the	the	DET
gp-286	70	12	highest	high	ADJ
gp-286	70	13	average	average	ADJ
gp-286	70	14	credit	credit	NOUN
gp-286	70	15	(	(	PUNCT
gp-286	70	16	rp	rp	NOUN
gp-286	70	17	67.5	67.5	NUM
gp-286	70	18	billion	billion	NUM
gp-286	70	19	)	)	PUNCT
gp-286	70	20	which	which	PRON
gp-286	70	21	reflects	reflect	VERB
gp-286	70	22	the	the	DET
gp-286	70	23	capital	capital	NOUN
gp-286	70	24	-	-	PUNCT
gp-286	70	25	intensive	intensive	ADJ
gp-286	70	26	characteristics	characteristic	NOUN
gp-286	70	27	of	of	ADP
gp-286	70	28	this	this	DET
gp-286	70	29	industry	industry	NOUN
gp-286	70	30	.	.	PUNCT
gp-286	71	1	the	the	DET
gp-286	71	2	health	health	NOUN
gp-286	71	3	sector	sector	NOUN
gp-286	71	4	with	with	ADP
gp-286	71	5	a	a	DET
gp-286	71	6	proportion	proportion	NOUN
gp-286	71	7	of	of	ADP
gp-286	71	8	11.8	11.8	NUM
gp-286	71	9	%	%	NOUN
gp-286	71	10	shows	show	VERB
gp-286	71	11	bri	bri	NOUN
gp-286	71	12	's	's	PART
gp-286	71	13	focus	focus	NOUN
gp-286	71	14	on	on	ADP
gp-286	71	15	essential	essential	ADJ
gp-286	71	16	sectors	sector	NOUN
gp-286	71	17	that	that	PRON
gp-286	71	18	are	be	AUX
gp-286	71	19	resistant	resistant	ADJ
gp-286	71	20	to	to	ADP
gp-286	71	21	economic	economic	ADJ
gp-286	71	22	shocks	shock	NOUN
gp-286	71	23	.	.	PUNCT
gp-286	72	1	analysis	analysis	NOUN
gp-286	72	2	of	of	ADP
gp-286	72	3	financial	financial	ADJ
gp-286	72	4	performance	performance	NOUN
gp-286	72	5	characteristics	characteristic	NOUN
gp-286	72	6	,	,	PUNCT
gp-286	72	7	collateral	collateral	ADJ
gp-286	72	8	assessment	assessment	NOUN
gp-286	72	9	and	and	CCONJ
gp-286	72	10	business	business	NOUN
gp-286	72	11	type	type	NOUN
gp-286	72	12	in	in	ADP
gp-286	72	13	the	the	DET
gp-286	72	14	decision	decision	NOUN
gp-286	72	15	to	to	PART
gp-286	72	16	provide	provide	VERB
gp-286	72	17	medium	medium	ADJ
gp-286	72	18	credit	credit	NOUN
gp-286	72	19	facilities	facility	NOUN
gp-286	72	20	at	at	ADP
gp-286	72	21	bri	bri	PROPN
gp-286	72	22	denpasar	denpasar	NOUN
gp-286	72	23	using	use	VERB
gp-286	72	24	the	the	DET
gp-286	72	25	analytical	analytical	ADJ
gp-286	72	26	hierarchy	hierarchy	NOUN
gp-286	72	27	process	process	NOUN
gp-286	72	28	method	method	NOUN
gp-286	72	29	1230	1230	NUM
gp-286	72	30	the	the	DET
gp-286	72	31	credit	credit	NOUN
gp-286	72	32	range	range	NOUN
gp-286	72	33	varies	vary	VERB
gp-286	72	34	from	from	ADP
gp-286	72	35	idr	idr	PROPN
gp-286	72	36	25.8	25.8	NUM
gp-286	72	37	billion	billion	NUM
gp-286	72	38	to	to	PART
gp-286	72	39	idr	idr	VERB
gp-286	72	40	89.1	89.1	NUM
gp-286	72	41	billion	billion	NUM
gp-286	72	42	,	,	PUNCT
gp-286	72	43	indicating	indicate	VERB
gp-286	72	44	that	that	SCONJ
gp-286	72	45	bri	bri	PROPN
gp-286	72	46	denpasar	denpasar	PROPN
gp-286	72	47	's	's	PART
gp-286	72	48	medium	medium	ADJ
gp-286	72	49	credit	credit	NOUN
gp-286	72	50	portfolio	portfolio	NOUN
gp-286	72	51	serves	serve	VERB
gp-286	72	52	a	a	DET
gp-286	72	53	wide	wide	ADJ
gp-286	72	54	spectrum	spectrum	NOUN
gp-286	72	55	of	of	ADP
gp-286	72	56	businesses	business	NOUN
gp-286	72	57	,	,	PUNCT
gp-286	72	58	ranging	range	VERB
gp-286	72	59	from	from	ADP
gp-286	72	60	growing	grow	VERB
gp-286	72	61	smes	sme	NOUN
gp-286	72	62	to	to	ADP
gp-286	72	63	established	establish	VERB
gp-286	72	64	medium	medium	ADJ
gp-286	72	65	-	-	PUNCT
gp-286	72	66	sized	sized	ADJ
gp-286	72	67	companies	company	NOUN
gp-286	72	68	.	.	PUNCT
gp-286	73	1	the	the	DET
gp-286	73	2	average	average	ADJ
gp-286	73	3	overall	overall	ADJ
gp-286	73	4	credit	credit	NOUN
gp-286	73	5	of	of	ADP
gp-286	73	6	idr	idr	PROPN
gp-286	73	7	47.0	47.0	NUM
gp-286	73	8	billion	billion	NUM
gp-286	73	9	is	be	AUX
gp-286	73	10	in	in	ADP
gp-286	73	11	a	a	DET
gp-286	73	12	healthy	healthy	ADJ
gp-286	73	13	position	position	NOUN
gp-286	73	14	for	for	ADP
gp-286	73	15	the	the	DET
gp-286	73	16	medium	medium	ADJ
gp-286	73	17	credit	credit	NOUN
gp-286	73	18	category	category	NOUN
gp-286	73	19	,	,	PUNCT
gp-286	73	20	not	not	PART
gp-286	73	21	too	too	ADV
gp-286	73	22	small	small	ADJ
gp-286	73	23	so	so	SCONJ
gp-286	73	24	that	that	SCONJ
gp-286	73	25	it	it	PRON
gp-286	73	26	is	be	AUX
gp-286	73	27	less	less	ADV
gp-286	73	28	profitable	profitable	ADJ
gp-286	73	29	but	but	CCONJ
gp-286	73	30	not	not	PART
gp-286	73	31	too	too	ADV
gp-286	73	32	large	large	ADJ
gp-286	73	33	so	so	SCONJ
gp-286	73	34	that	that	SCONJ
gp-286	73	35	it	it	PRON
gp-286	73	36	becomes	become	VERB
gp-286	73	37	a	a	DET
gp-286	73	38	concentration	concentration	NOUN
gp-286	73	39	risk	risk	NOUN
gp-286	73	40	.	.	PUNCT
gp-286	74	1	development	development	NOUN
gp-286	74	2	of	of	ADP
gp-286	74	3	composite	composite	ADJ
gp-286	74	4	scoring	scoring	NOUN
gp-286	74	5	formulas	formula	NOUN
gp-286	74	6	based	base	VERB
gp-286	74	7	on	on	ADP
gp-286	74	8	the	the	DET
gp-286	74	9	results	result	NOUN
gp-286	74	10	of	of	ADP
gp-286	74	11	the	the	DET
gp-286	74	12	ahp	ahp	NOUN
gp-286	74	13	analysis	analysis	NOUN
gp-286	74	14	and	and	CCONJ
gp-286	74	15	comprehensive	comprehensive	ADJ
gp-286	74	16	literature	literature	PROPN
gp-286	74	17	review	review	PROPN
gp-286	74	18	,	,	PUNCT
gp-286	74	19	a	a	DET
gp-286	74	20	composite	composite	ADJ
gp-286	74	21	scoring	scoring	NOUN
gp-286	74	22	formula	formula	NOUN
gp-286	74	23	was	be	AUX
gp-286	74	24	developed	develop	VERB
gp-286	74	25	for	for	ADP
gp-286	74	26	the	the	DET
gp-286	74	27	operationalization	operationalization	NOUN
gp-286	74	28	of	of	ADP
gp-286	74	29	credit	credit	NOUN
gp-286	74	30	assessment	assessment	NOUN
gp-286	74	31	that	that	PRON
gp-286	74	32	combines	combine	VERB
gp-286	74	33	the	the	DET
gp-286	74	34	theoretical	theoretical	ADJ
gp-286	74	35	approach	approach	NOUN
gp-286	74	36	from	from	ADP
gp-286	74	37	the	the	DET
gp-286	74	38	current	current	ADJ
gp-286	74	39	financial	financial	ADJ
gp-286	74	40	literature	literature	NOUN
gp-286	74	41	with	with	ADP
gp-286	74	42	the	the	DET
gp-286	74	43	priority	priority	NOUN
gp-286	74	44	weights	weight	NOUN
gp-286	74	45	obtained	obtain	VERB
gp-286	74	46	from	from	ADP
gp-286	74	47	the	the	DET
gp-286	74	48	ahp	ahp	NOUN
gp-286	74	49	analysis	analysis	NOUN
gp-286	74	50	.	.	PUNCT
gp-286	75	1	this	this	DET
gp-286	75	2	formula	formula	NOUN
gp-286	75	3	is	be	AUX
gp-286	75	4	designed	design	VERB
gp-286	75	5	to	to	PART
gp-286	75	6	bridge	bridge	VERB
gp-286	75	7	the	the	DET
gp-286	75	8	gap	gap	NOUN
gp-286	75	9	between	between	ADP
gp-286	75	10	the	the	DET
gp-286	75	11	theoretical	theoretical	ADJ
gp-286	75	12	results	result	NOUN
gp-286	75	13	of	of	ADP
gp-286	75	14	ahp	ahp	NOUN
gp-286	75	15	and	and	CCONJ
gp-286	75	16	practical	practical	ADJ
gp-286	75	17	applications	application	NOUN
gp-286	75	18	in	in	ADP
gp-286	75	19	day	day	NOUN
gp-286	75	20	-	-	PUNCT
gp-286	75	21	to	to	ADP
gp-286	75	22	-	-	PUNCT
gp-286	75	23	day	day	NOUN
gp-286	75	24	credit	credit	NOUN
gp-286	75	25	assessment	assessment	NOUN
gp-286	75	26	.	.	PUNCT
gp-286	76	1	theoretical	theoretical	ADJ
gp-286	76	2	foundations	foundation	NOUN
gp-286	76	3	of	of	ADP
gp-286	76	4	liquidity	liquidity	NOUN
gp-286	76	5	composite	composite	NOUN
gp-286	76	6	based	base	VERB
gp-286	76	7	on	on	ADP
gp-286	76	8	the	the	DET
gp-286	76	9	theories	theory	NOUN
gp-286	76	10	of	of	ADP
gp-286	76	11	brigham	brigham	PROPN
gp-286	76	12	&	&	CCONJ
gp-286	76	13	houston	houston	PROPN
gp-286	76	14	(	(	PUNCT
gp-286	76	15	2021	2021	NUM
gp-286	76	16	)	)	PUNCT
gp-286	76	17	and	and	CCONJ
gp-286	76	18	gitman	gitman	PROPN
gp-286	76	19	&	&	CCONJ
gp-286	76	20	zutter	zutter	PROPN
gp-286	76	21	(	(	PUNCT
gp-286	76	22	2022	2022	NUM
gp-286	76	23	)	)	PUNCT
gp-286	76	24	,	,	PUNCT
gp-286	76	25	liquidity	liquidity	NOUN
gp-286	76	26	measurement	measurement	NOUN
gp-286	76	27	requires	require	VERB
gp-286	76	28	a	a	DET
gp-286	76	29	multi	multi	ADJ
gp-286	76	30	-	-	ADJ
gp-286	76	31	indicator	indicator	ADJ
gp-286	76	32	approach	approach	NOUN
gp-286	76	33	to	to	PART
gp-286	76	34	capture	capture	VERB
gp-286	76	35	various	various	ADJ
gp-286	76	36	dimensions	dimension	NOUN
gp-286	76	37	of	of	ADP
gp-286	76	38	short	short	ADJ
gp-286	76	39	-	-	PUNCT
gp-286	76	40	term	term	NOUN
gp-286	76	41	solvency	solvency	NOUN
gp-286	76	42	that	that	PRON
gp-286	76	43	can	can	AUX
gp-286	76	44	not	not	PART
gp-286	76	45	be	be	AUX
gp-286	76	46	represented	represent	VERB
gp-286	76	47	by	by	ADP
gp-286	76	48	a	a	DET
gp-286	76	49	single	single	ADJ
gp-286	76	50	ratio	ratio	NOUN
gp-286	76	51	.	.	PUNCT
gp-286	77	1	developed	develop	VERB
gp-286	77	2	formula	formula	NOUN
gp-286	77	3	:	:	PUNCT
gp-286	77	4	composite	composite	ADJ
gp-286	77	5	liquidities	liquidity	NOUN
gp-286	77	6	=	=	PUNCT
gp-286	77	7	(	(	PUNCT
gp-286	77	8	current	current	ADJ
gp-286	77	9	ratio	ratio	NOUN
gp-286	77	10	×	×	NOUN
gp-286	77	11	70	70	NUM
gp-286	77	12	%	%	NOUN
gp-286	77	13	)	)	PUNCT
gp-286	78	1	+	+	CCONJ
gp-286	78	2	(	(	PUNCT
gp-286	78	3	quick	quick	ADJ
gp-286	78	4	ratio	ratio	NOUN
gp-286	78	5	×	×	NOUN
gp-286	78	6	30	30	NUM
gp-286	78	7	%	%	NOUN
gp-286	78	8	)	)	PUNCT
gp-286	78	9	the	the	DET
gp-286	78	10	current	current	ADJ
gp-286	78	11	ratio	ratio	NOUN
gp-286	78	12	gets	get	VERB
gp-286	78	13	a	a	DET
gp-286	78	14	weight	weight	NOUN
gp-286	78	15	of	of	ADP
gp-286	78	16	70	70	NUM
gp-286	78	17	%	%	NOUN
gp-286	78	18	because	because	SCONJ
gp-286	78	19	ross	ross	PROPN
gp-286	78	20	et	et	PROPN
gp-286	78	21	al	al	PROPN
gp-286	78	22	.	.	PROPN
gp-286	78	23	's	's	PART
gp-286	78	24	(	(	PUNCT
gp-286	78	25	2021	2021	NUM
gp-286	78	26	)	)	PUNCT
gp-286	78	27	research	research	NOUN
gp-286	78	28	shows	show	VERB
gp-286	78	29	a	a	DET
gp-286	78	30	correlation	correlation	NOUN
gp-286	78	31	of	of	ADP
gp-286	78	32	0.82	0.82	NUM
gp-286	78	33	with	with	ADP
gp-286	78	34	actual	actual	ADJ
gp-286	78	35	payability	payability	NOUN
gp-286	78	36	and	and	CCONJ
gp-286	78	37	includes	include	VERB
gp-286	78	38	all	all	DET
gp-286	78	39	current	current	ADJ
gp-286	78	40	assets	asset	NOUN
gp-286	78	41	available	available	ADJ
gp-286	78	42	to	to	PART
gp-286	78	43	meet	meet	VERB
gp-286	78	44	obligations	obligation	NOUN
gp-286	78	45	.	.	PUNCT
gp-286	79	1	the	the	DET
gp-286	79	2	quick	quick	ADJ
gp-286	79	3	ratio	ratio	NOUN
gp-286	79	4	gets	get	VERB
gp-286	79	5	a	a	DET
gp-286	79	6	weight	weight	NOUN
gp-286	79	7	of	of	ADP
gp-286	79	8	30	30	NUM
gp-286	79	9	%	%	NOUN
gp-286	79	10	because	because	SCONJ
gp-286	79	11	it	it	PRON
gp-286	79	12	provides	provide	VERB
gp-286	79	13	a	a	DET
gp-286	79	14	conservative	conservative	ADJ
gp-286	79	15	perspective	perspective	NOUN
gp-286	79	16	by	by	ADP
gp-286	79	17	issuing	issue	VERB
gp-286	79	18	fewer	few	ADJ
gp-286	79	19	liquid	liquid	ADJ
gp-286	79	20	inventories	inventory	NOUN
gp-286	79	21	,	,	PUNCT
gp-286	79	22	in	in	ADP
gp-286	79	23	accordance	accordance	NOUN
gp-286	79	24	with	with	ADP
gp-286	79	25	the	the	DET
gp-286	79	26	bank	bank	NOUN
gp-286	79	27	's	's	PART
gp-286	79	28	prudential	prudential	ADJ
gp-286	79	29	principle	principle	NOUN
gp-286	79	30	emphasized	emphasize	VERB
gp-286	79	31	by	by	ADP
gp-286	79	32	hery	hery	NOUN
gp-286	79	33	(	(	PUNCT
gp-286	79	34	2020	2020	NUM
gp-286	79	35	)	)	PUNCT
gp-286	79	36	.	.	PUNCT
gp-286	80	1	this	this	DET
gp-286	80	2	weighting	weighting	NOUN
gp-286	80	3	has	have	AUX
gp-286	80	4	been	be	AUX
gp-286	80	5	validated	validate	VERB
gp-286	80	6	through	through	ADP
gp-286	80	7	discussions	discussion	NOUN
gp-286	80	8	with	with	ADP
gp-286	80	9	senior	senior	ADJ
gp-286	80	10	credit	credit	NOUN
gp-286	80	11	analyst	analyst	NOUN
gp-286	80	12	bri	bri	PROPN
gp-286	80	13	denpasar	denpasar	PROPN
gp-286	80	14	and	and	CCONJ
gp-286	80	15	shows	show	VERB
gp-286	80	16	a	a	DET
gp-286	80	17	consensus	consensus	NOUN
gp-286	80	18	agreement	agreement	NOUN
gp-286	80	19	score	score	NOUN
gp-286	80	20	of	of	ADP
gp-286	80	21	0.87	0.87	NUM
gp-286	80	22	.	.	PUNCT
gp-286	81	1	theoretical	theoretical	ADJ
gp-286	81	2	foundations	foundation	NOUN
gp-286	81	3	of	of	ADP
gp-286	81	4	composite	composite	ADJ
gp-286	81	5	profitability	profitability	NOUN
gp-286	81	6	referring	refer	VERB
gp-286	81	7	to	to	ADP
gp-286	81	8	the	the	DET
gp-286	81	9	profitability	profitability	NOUN
gp-286	81	10	analysis	analysis	NOUN
gp-286	81	11	framework	framework	NOUN
gp-286	81	12	of	of	ADP
gp-286	81	13	francis	francis	PROPN
gp-286	81	14	(	(	PUNCT
gp-286	81	15	2020	2020	NUM
gp-286	81	16	)	)	PUNCT
gp-286	81	17	and	and	CCONJ
gp-286	81	18	the	the	DET
gp-286	81	19	empirical	empirical	ADJ
gp-286	81	20	validation	validation	NOUN
gp-286	81	21	of	of	ADP
gp-286	81	22	hair	hair	NOUN
gp-286	81	23	et	et	PROPN
gp-286	81	24	al	al	PROPN
gp-286	81	25	.	.	PROPN
gp-286	81	26	(	(	PUNCT
gp-286	81	27	2017	2017	NUM
gp-286	81	28	)	)	PUNCT
gp-286	81	29	,	,	PUNCT
gp-286	81	30	the	the	DET
gp-286	81	31	formula	formula	NOUN
gp-286	81	32	was	be	AUX
gp-286	81	33	developed	develop	VERB
gp-286	81	34	to	to	PART
gp-286	81	35	capture	capture	VERB
gp-286	81	36	the	the	DET
gp-286	81	37	various	various	ADJ
gp-286	81	38	dimensions	dimension	NOUN
gp-286	81	39	of	of	ADP
gp-286	81	40	profitability	profitability	NOUN
gp-286	81	41	:	:	PUNCT
gp-286	81	42	composite	composite	ADJ
gp-286	81	43	profitability	profitability	NOUN
gp-286	81	44	=	=	SYM
gp-286	81	45	(	(	PUNCT
gp-286	81	46	roa	roa	NOUN
gp-286	81	47	×	×	NOUN
gp-286	81	48	50	50	NUM
gp-286	81	49	%	%	NOUN
gp-286	81	50	)	)	PUNCT
gp-286	82	1	+	+	CCONJ
gp-286	82	2	(	(	PUNCT
gp-286	82	3	roe	roe	NOUN
gp-286	82	4	×	×	NOUN
gp-286	82	5	30	30	NUM
gp-286	82	6	%	%	NOUN
gp-286	82	7	)	)	PUNCT
gp-286	83	1	+	+	CCONJ
gp-286	83	2	(	(	PUNCT
gp-286	83	3	net	net	ADJ
gp-286	83	4	profit	profit	NOUN
gp-286	83	5	margin	margin	NOUN
gp-286	83	6	×	×	NOUN
gp-286	83	7	20	20	NUM
gp-286	83	8	%	%	NOUN
gp-286	83	9	)	)	PUNCT
gp-286	83	10	roa	roa	PROPN
gp-286	83	11	gets	get	VERB
gp-286	83	12	a	a	DET
gp-286	83	13	weight	weight	NOUN
gp-286	83	14	of	of	ADP
gp-286	83	15	50	50	NUM
gp-286	83	16	%	%	NOUN
gp-286	83	17	because	because	SCONJ
gp-286	83	18	research	research	NOUN
gp-286	83	19	by	by	ADP
gp-286	83	20	brigham	brigham	PROPN
gp-286	83	21	&	&	CCONJ
gp-286	83	22	houston	houston	PROPN
gp-286	83	23	(	(	PUNCT
gp-286	83	24	2021	2021	NUM
gp-286	83	25	)	)	PUNCT
gp-286	83	26	shows	show	VERB
gp-286	83	27	roa	roa	PROPN
gp-286	83	28	as	as	ADP
gp-286	83	29	the	the	DET
gp-286	83	30	best	good	ADJ
gp-286	83	31	indicator	indicator	NOUN
gp-286	83	32	of	of	ADP
gp-286	83	33	asset	asset	NOUN
gp-286	83	34	utilization	utilization	NOUN
gp-286	83	35	efficiency	efficiency	NOUN
gp-286	83	36	with	with	ADP
gp-286	83	37	the	the	DET
gp-286	83	38	highest	high	ADJ
gp-286	83	39	predictive	predictive	ADJ
gp-286	83	40	power	power	NOUN
gp-286	83	41	(	(	PUNCT
gp-286	83	42	r²	r²	NOUN
gp-286	83	43	=	=	SYM
gp-286	83	44	0.67	0.67	NUM
gp-286	83	45	)	)	PUNCT
gp-286	83	46	for	for	ADP
gp-286	83	47	business	business	NOUN
gp-286	83	48	sustainability	sustainability	NOUN
gp-286	83	49	.	.	PUNCT
gp-286	84	1	roe	roe	PROPN
gp-286	84	2	is	be	AUX
gp-286	84	3	weighted	weight	VERB
gp-286	84	4	at	at	ADP
gp-286	84	5	30	30	NUM
gp-286	84	6	%	%	NOUN
gp-286	84	7	because	because	SCONJ
gp-286	84	8	it	it	PRON
gp-286	84	9	measures	measure	VERB
gp-286	84	10	returns	return	NOUN
gp-286	84	11	for	for	ADP
gp-286	84	12	shareholders	shareholder	NOUN
gp-286	84	13	and	and	CCONJ
gp-286	84	14	the	the	DET
gp-286	84	15	quality	quality	NOUN
gp-286	84	16	of	of	ADP
gp-286	84	17	capital	capital	NOUN
gp-286	84	18	management	management	NOUN
gp-286	84	19	as	as	SCONJ
gp-286	84	20	stated	state	VERB
gp-286	84	21	by	by	ADP
gp-286	84	22	ross	ross	PROPN
gp-286	84	23	et	et	PROPN
gp-286	84	24	al	al	PROPN
gp-286	84	25	.	.	PROPN
gp-286	85	1	(	(	PUNCT
gp-286	85	2	2021	2021	NUM
gp-286	85	3	)	)	PUNCT
gp-286	85	4	.	.	PUNCT
gp-286	86	1	net	net	ADJ
gp-286	86	2	profit	profit	NOUN
gp-286	86	3	margin	margin	NOUN
gp-286	86	4	gets	get	VERB
gp-286	86	5	a	a	DET
gp-286	86	6	weight	weight	NOUN
gp-286	86	7	of	of	ADP
gp-286	86	8	20	20	NUM
gp-286	86	9	%	%	NOUN
gp-286	86	10	because	because	SCONJ
gp-286	86	11	it	it	PRON
gp-286	86	12	shows	show	VERB
gp-286	86	13	operational	operational	ADJ
gp-286	86	14	efficiency	efficiency	NOUN
gp-286	86	15	and	and	CCONJ
gp-286	86	16	cost	cost	NOUN
gp-286	86	17	control	control	NOUN
gp-286	86	18	which	which	PRON
gp-286	86	19	are	be	AUX
gp-286	86	20	important	important	ADJ
gp-286	86	21	indicators	indicator	NOUN
gp-286	86	22	of	of	ADP
gp-286	86	23	long	long	ADJ
gp-286	86	24	-	-	PUNCT
gp-286	86	25	term	term	NOUN
gp-286	86	26	stability	stability	NOUN
gp-286	86	27	according	accord	VERB
gp-286	86	28	to	to	ADP
gp-286	86	29	gitman	gitman	PROPN
gp-286	86	30	&	&	CCONJ
gp-286	86	31	zutter	zutter	PROPN
gp-286	86	32	(	(	PUNCT
gp-286	86	33	2022	2022	NUM
gp-286	86	34	)	)	PUNCT
gp-286	86	35	.	.	PUNCT
gp-286	87	1	theoretical	theoretical	ADJ
gp-286	87	2	foundations	foundation	NOUN
gp-286	87	3	of	of	ADP
gp-286	87	4	composite	composite	ADJ
gp-286	87	5	solvency	solvency	NOUN
gp-286	87	6	based	base	VERB
gp-286	87	7	on	on	ADP
gp-286	87	8	the	the	DET
gp-286	87	9	capital	capital	NOUN
gp-286	87	10	structure	structure	NOUN
gp-286	87	11	theory	theory	NOUN
gp-286	87	12	from	from	ADP
gp-286	87	13	brigham	brigham	PROPN
gp-286	87	14	&	&	CCONJ
gp-286	87	15	houston	houston	PROPN
gp-286	87	16	(	(	PUNCT
gp-286	87	17	2021	2021	NUM
gp-286	87	18	)	)	PUNCT
gp-286	87	19	and	and	CCONJ
gp-286	87	20	the	the	DET
gp-286	87	21	evolving	evolve	VERB
gp-286	87	22	credit	credit	NOUN
gp-286	87	23	risk	risk	NOUN
gp-286	87	24	assessment	assessment	NOUN
gp-286	87	25	practices	practice	VERB
gp-286	87	26	post	post	ADJ
gp-286	87	27	-	-	ADJ
gp-286	87	28	pandemic	pandemic	ADJ
gp-286	87	29	:	:	PUNCT
gp-286	87	30	analysis	analysis	NOUN
gp-286	87	31	of	of	ADP
gp-286	87	32	financial	financial	ADJ
gp-286	87	33	performance	performance	NOUN
gp-286	87	34	characteristics	characteristic	NOUN
gp-286	87	35	,	,	PUNCT
gp-286	87	36	collateral	collateral	ADJ
gp-286	87	37	assessment	assessment	NOUN
gp-286	87	38	and	and	CCONJ
gp-286	87	39	business	business	NOUN
gp-286	87	40	type	type	NOUN
gp-286	87	41	in	in	ADP
gp-286	87	42	the	the	DET
gp-286	87	43	decision	decision	NOUN
gp-286	87	44	to	to	PART
gp-286	87	45	provide	provide	VERB
gp-286	87	46	medium	medium	ADJ
gp-286	87	47	credit	credit	NOUN
gp-286	87	48	facilities	facility	NOUN
gp-286	87	49	at	at	ADP
gp-286	87	50	bri	bri	PROPN
gp-286	87	51	denpasar	denpasar	NOUN
gp-286	87	52	using	use	VERB
gp-286	87	53	the	the	DET
gp-286	87	54	analytical	analytical	ADJ
gp-286	87	55	hierarchy	hierarchy	NOUN
gp-286	87	56	process	process	NOUN
gp-286	87	57	method	method	NOUN
gp-286	87	58	1231	1231	NUM
gp-286	87	59	composite	composite	ADJ
gp-286	87	60	solvability	solvability	NOUN
gp-286	88	1	=	=	PUNCT
gp-286	88	2	(	(	PUNCT
gp-286	88	3	debt	debt	NOUN
gp-286	88	4	to	to	ADP
gp-286	88	5	equity	equity	NOUN
gp-286	88	6	ratio	ratio	NOUN
gp-286	88	7	×	×	NOUN
gp-286	88	8	60	60	NUM
gp-286	88	9	%	%	NOUN
gp-286	88	10	)	)	PUNCT
gp-286	89	1	+	+	CCONJ
gp-286	89	2	(	(	PUNCT
gp-286	89	3	debt	debt	NOUN
gp-286	89	4	to	to	ADP
gp-286	89	5	asset	asset	NOUN
gp-286	89	6	ratio	ratio	NOUN
gp-286	89	7	×	×	NOUN
gp-286	89	8	40	40	NUM
gp-286	89	9	%	%	NOUN
gp-286	89	10	)	)	PUNCT
gp-286	89	11	der	der	NOUN
gp-286	89	12	gets	get	VERB
gp-286	89	13	a	a	DET
gp-286	89	14	weight	weight	NOUN
gp-286	89	15	of	of	ADP
gp-286	89	16	60	60	NUM
gp-286	89	17	%	%	NOUN
gp-286	89	18	because	because	SCONJ
gp-286	89	19	it	it	PRON
gp-286	89	20	is	be	AUX
gp-286	89	21	more	more	ADV
gp-286	89	22	sensitive	sensitive	ADJ
gp-286	89	23	to	to	ADP
gp-286	89	24	changes	change	NOUN
gp-286	89	25	in	in	ADP
gp-286	89	26	leverage	leverage	NOUN
gp-286	89	27	and	and	CCONJ
gp-286	89	28	has	have	VERB
gp-286	89	29	a	a	DET
gp-286	89	30	stronger	strong	ADJ
gp-286	89	31	correlation	correlation	NOUN
gp-286	89	32	with	with	ADP
gp-286	89	33	the	the	DET
gp-286	89	34	risk	risk	NOUN
gp-286	89	35	of	of	ADP
gp-286	89	36	default	default	NOUN
gp-286	89	37	as	as	SCONJ
gp-286	89	38	shown	show	VERB
gp-286	89	39	by	by	ADP
gp-286	89	40	research	research	NOUN
gp-286	89	41	by	by	ADP
gp-286	89	42	hair	hair	NOUN
gp-286	89	43	et	et	PROPN
gp-286	89	44	al	al	PROPN
gp-286	89	45	.	.	PROPN
gp-286	90	1	(	(	PUNCT
gp-286	90	2	2017	2017	NUM
gp-286	90	3	)	)	PUNCT
gp-286	90	4	.	.	PUNCT
gp-286	91	1	dtas	dtas	PROPN
gp-286	91	2	are	be	AUX
gp-286	91	3	weighted	weight	VERB
gp-286	91	4	40	40	NUM
gp-286	91	5	%	%	NOUN
gp-286	91	6	because	because	SCONJ
gp-286	91	7	they	they	PRON
gp-286	91	8	provide	provide	VERB
gp-286	91	9	a	a	DET
gp-286	91	10	comprehensive	comprehensive	ADJ
gp-286	91	11	perspective	perspective	NOUN
gp-286	91	12	on	on	ADP
gp-286	91	13	the	the	DET
gp-286	91	14	proportion	proportion	NOUN
gp-286	91	15	of	of	ADP
gp-286	91	16	assets	asset	NOUN
gp-286	91	17	financed	finance	VERB
gp-286	91	18	by	by	ADP
gp-286	91	19	debt	debt	NOUN
gp-286	91	20	and	and	CCONJ
gp-286	91	21	are	be	AUX
gp-286	91	22	more	more	ADV
gp-286	91	23	stable	stable	ADJ
gp-286	91	24	against	against	ADP
gp-286	91	25	short	short	ADJ
gp-286	91	26	-	-	PUNCT
gp-286	91	27	term	term	NOUN
gp-286	91	28	fluctuations	fluctuation	NOUN
gp-286	91	29	as	as	ADP
gp-286	91	30	per	per	ADP
gp-286	91	31	the	the	DET
gp-286	91	32	findings	finding	NOUN
gp-286	91	33	of	of	ADP
gp-286	91	34	ross	ross	PROPN
gp-286	91	35	et	et	PROPN
gp-286	91	36	al	al	PROPN
gp-286	91	37	.	.	PROPN
gp-286	92	1	(	(	PUNCT
gp-286	92	2	2021	2021	NUM
gp-286	92	3	)	)	PUNCT
gp-286	92	4	.	.	PUNCT
gp-286	93	1	integrated	integrate	VERB
gp-286	93	2	ahp	ahp	NOUN
gp-286	93	3	score	score	NOUN
gp-286	93	4	formula	formula	NOUN
gp-286	93	5	based	base	VERB
gp-286	93	6	on	on	ADP
gp-286	93	7	the	the	DET
gp-286	93	8	priority	priority	NOUN
gp-286	93	9	weights	weight	NOUN
gp-286	93	10	of	of	ADP
gp-286	93	11	ahp	ahp	NOUN
gp-286	93	12	that	that	PRON
gp-286	93	13	have	have	AUX
gp-286	93	14	been	be	AUX
gp-286	93	15	validated	validate	VERB
gp-286	93	16	through	through	ADP
gp-286	93	17	consistency	consistency	NOUN
gp-286	93	18	tests	test	NOUN
gp-286	93	19	,	,	PUNCT
gp-286	93	20	a	a	DET
gp-286	93	21	comprehensive	comprehensive	ADJ
gp-286	93	22	formula	formula	NOUN
gp-286	93	23	is	be	AUX
gp-286	93	24	developed	develop	VERB
gp-286	93	25	:	:	PUNCT
gp-286	93	26	ahp	ahp	NOUN
gp-286	93	27	score	score	NOUN
gp-286	93	28	=	=	PUNCT
gp-286	93	29	(	(	PUNCT
gp-286	93	30	composite	composite	ADJ
gp-286	93	31	liquidity	liquidity	NOUN
gp-286	93	32	×	×	NOUN
gp-286	93	33	22.5	22.5	NUM
gp-286	93	34	%	%	NOUN
gp-286	93	35	)	)	PUNCT
gp-286	94	1	+	+	CCONJ
gp-286	94	2	(	(	PUNCT
gp-286	94	3	composite	composite	ADJ
gp-286	94	4	profitability	profitability	NOUN
gp-286	94	5	×	×	NOUN
gp-286	94	6	18.0	18.0	NUM
gp-286	94	7	%	%	NOUN
gp-286	94	8	)	)	PUNCT
gp-286	95	1	+	+	CCONJ
gp-286	95	2	(	(	PUNCT
gp-286	95	3	composite	composite	ADJ
gp-286	95	4	solvency	solvency	NOUN
gp-286	95	5	×	×	NOUN
gp-286	95	6	14.3	14.3	NUM
gp-286	95	7	%	%	NOUN
gp-286	95	8	)	)	PUNCT
gp-286	96	1	+	+	CCONJ
gp-286	96	2	(	(	PUNCT
gp-286	96	3	business	business	NOUN
gp-286	96	4	history	history	NOUN
gp-286	96	5	×	×	NOUN
gp-286	96	6	12.0	12.0	NUM
gp-286	96	7	%	%	NOUN
gp-286	96	8	)	)	PUNCT
gp-286	97	1	+	+	CCONJ
gp-286	97	2	(	(	PUNCT
gp-286	97	3	business	business	NOUN
gp-286	97	4	sector	sector	NOUN
gp-286	97	5	×	×	NOUN
gp-286	97	6	10.0	10.0	NUM
gp-286	97	7	%	%	NOUN
gp-286	97	8	)	)	PUNCT
gp-286	98	1	+	+	CCONJ
gp-286	98	2	(	(	PUNCT
gp-286	98	3	collateral	collateral	ADJ
gp-286	98	4	value	value	NOUN
gp-286	98	5	×	×	NOUN
gp-286	98	6	10.6	10.6	NUM
gp-286	98	7	%	%	NOUN
gp-286	98	8	)	)	PUNCT
gp-286	99	1	+	+	CCONJ
gp-286	99	2	(	(	PUNCT
gp-286	99	3	physical	physical	ADJ
gp-286	99	4	collateral	collateral	NOUN
gp-286	99	5	×	×	NOUN
gp-286	99	6	10.6	10.6	NUM
gp-286	99	7	%	%	NOUN
gp-286	99	8	)	)	PUNCT
gp-286	99	9	this	this	DET
gp-286	99	10	formula	formula	NOUN
gp-286	99	11	integrates	integrate	VERB
gp-286	99	12	all	all	DET
gp-286	99	13	criteria	criterion	NOUN
gp-286	99	14	and	and	CCONJ
gp-286	99	15	sub	sub	NOUN
gp-286	99	16	-	-	NOUN
gp-286	99	17	criteria	criterion	NOUN
gp-286	99	18	with	with	ADP
gp-286	99	19	weighting	weighting	NOUN
gp-286	99	20	that	that	PRON
gp-286	99	21	reflects	reflect	VERB
gp-286	99	22	the	the	DET
gp-286	99	23	actual	actual	ADJ
gp-286	99	24	preferences	preference	NOUN
gp-286	99	25	of	of	ADP
gp-286	99	26	bri	bri	PROPN
gp-286	99	27	denpasar	denpasar	NOUN
gp-286	99	28	credit	credit	NOUN
gp-286	99	29	officers	officer	NOUN
gp-286	99	30	.	.	PUNCT
gp-286	100	1	scoring	score	VERB
gp-286	100	2	implementation	implementation	NOUN
gp-286	100	3	and	and	CCONJ
gp-286	100	4	standardization	standardization	NOUN
gp-286	100	5	for	for	ADP
gp-286	100	6	the	the	DET
gp-286	100	7	operationalization	operationalization	NOUN
gp-286	100	8	of	of	ADP
gp-286	100	9	the	the	DET
gp-286	100	10	formula	formula	NOUN
gp-286	100	11	,	,	PUNCT
gp-286	100	12	each	each	DET
gp-286	100	13	component	component	NOUN
gp-286	100	14	is	be	AUX
gp-286	100	15	standardized	standardize	VERB
gp-286	100	16	using	use	VERB
gp-286	100	17	a	a	DET
gp-286	100	18	scale	scale	NOUN
gp-286	100	19	of	of	ADP
gp-286	100	20	0	0	NUM
gp-286	100	21	-	-	SYM
gp-286	100	22	100	100	NUM
gp-286	100	23	based	base	VERB
gp-286	100	24	on	on	ADP
gp-286	100	25	the	the	DET
gp-286	100	26	banking	banking	NOUN
gp-286	100	27	industry	industry	NOUN
gp-286	100	28	benchmark	benchmark	NOUN
gp-286	100	29	set	set	VERB
gp-286	100	30	by	by	ADP
gp-286	100	31	the	the	DET
gp-286	100	32	indonesian	indonesian	PROPN
gp-286	100	33	bankers	bankers	PROPN
gp-286	100	34	association	association	PROPN
gp-286	100	35	(	(	PUNCT
gp-286	100	36	2023	2023	NUM
gp-286	100	37	)	)	PUNCT
gp-286	100	38	and	and	CCONJ
gp-286	100	39	adjusted	adjust	VERB
gp-286	100	40	to	to	ADP
gp-286	100	41	the	the	DET
gp-286	100	42	specific	specific	ADJ
gp-286	100	43	economic	economic	ADJ
gp-286	100	44	conditions	condition	NOUN
gp-286	100	45	of	of	ADP
gp-286	100	46	the	the	DET
gp-286	100	47	bali	bali	PROPN
gp-286	100	48	-	-	PUNCT
gp-286	100	49	nusa	nusa	PROPN
gp-286	100	50	tenggara	tenggara	PROPN
gp-286	100	51	region	region	NOUN
gp-286	100	52	:	:	PUNCT
gp-286	100	53	table	table	NOUN
gp-286	101	1	2	2	NUM
gp-286	101	2	.	.	PUNCT
gp-286	101	3	comprehensive	comprehensive	ADJ
gp-286	101	4	scoring	scoring	NOUN
gp-286	101	5	standardization	standardization	NOUN
gp-286	101	6	criteria	criterion	NOUN
gp-286	101	7	component	component	NOUN
gp-286	101	8	excellent	excellent	ADJ
gp-286	101	9	(	(	PUNCT
gp-286	101	10	80100	80100	NUM
gp-286	101	11	)	)	PUNCT
gp-286	101	12	good	good	NOUN
gp-286	101	13	(	(	PUNCT
gp-286	101	14	6079	6079	NUM
gp-286	101	15	)	)	PUNCT
gp-286	101	16	fair	fair	ADJ
gp-286	101	17	(	(	PUNCT
gp-286	101	18	4059	4059	NUM
gp-286	101	19	)	)	PUNCT
gp-286	101	20	poor	poor	ADJ
gp-286	101	21	(	(	PUNCT
gp-286	101	22	039	039	NUM
gp-286	101	23	)	)	PUNCT
gp-286	101	24	rationale	rationale	NOUN
gp-286	101	25	current	current	ADJ
gp-286	101	26	ratio	ratio	NOUN
gp-286	101	27	>	>	PUNCT
gp-286	101	28	2.5	2.5	NUM
gp-286	101	29	1.5	1.5	NUM
gp-286	101	30	-	-	SYM
gp-286	101	31	2.5	2.5	NUM
gp-286	101	32	1.0	1.0	NUM
gp-286	101	33	-	-	SYM
gp-286	101	34	1.5	1.5	NUM
gp-286	101	35	<	<	NOUN
gp-286	101	36	1.0	1.0	NUM
gp-286	101	37	based	base	VERB
gp-286	101	38	on	on	ADP
gp-286	101	39	regional	regional	ADJ
gp-286	101	40	industry	industry	NOUN
gp-286	101	41	benchmarks	benchmark	NOUN
gp-286	101	42	quick	quick	ADJ
gp-286	101	43	ratio	ratio	NOUN
gp-286	101	44	>	>	PUNCT
gp-286	101	45	1.5	1.5	NUM
gp-286	101	46	1.0	1.0	NUM
gp-286	101	47	-	-	SYM
gp-286	101	48	1.5	1.5	NUM
gp-286	101	49	0.7	0.7	NUM
gp-286	101	50	-	-	SYM
gp-286	101	51	1.0	1.0	NUM
gp-286	101	52	<	<	NOUN
gp-286	101	53	0.7	0.7	NUM
gp-286	101	54	adjusted	adjust	VERB
gp-286	101	55	for	for	ADP
gp-286	101	56	msme	msme	NOUN
gp-286	101	57	characteristics	characteristic	NOUN
gp-286	101	58	length	length	NOUN
gp-286	101	59	>	>	PUNCT
gp-286	101	60	15	15	NUM
gp-286	101	61	%	%	NOUN
gp-286	101	62	8	8	NUM
gp-286	101	63	-	-	SYM
gp-286	101	64	15	15	NUM
gp-286	101	65	%	%	NOUN
gp-286	101	66	3	3	NUM
gp-286	101	67	-	-	SYM
gp-286	101	68	8	8	NUM
gp-286	101	69	%	%	NOUN
gp-286	102	1	<3	<3	NOUN
gp-286	102	2	%	%	NOUN
gp-286	102	3	non	non	ADJ
gp-286	102	4	-	-	ADJ
gp-286	102	5	banking	banking	ADJ
gp-286	102	6	sector	sector	NOUN
gp-286	102	7	profitability	profitability	NOUN
gp-286	102	8	standards	standard	NOUN
gp-286	102	9	roe	roe	PROPN
gp-286	102	10	>	>	NOUN
gp-286	102	11	25	25	NUM
gp-286	102	12	%	%	NOUN
gp-286	102	13	15	15	NUM
gp-286	102	14	-	-	SYM
gp-286	102	15	25	25	NUM
gp-286	102	16	%	%	NOUN
gp-286	102	17	8	8	NUM
gp-286	102	18	-	-	SYM
gp-286	102	19	15	15	NUM
gp-286	102	20	%	%	NOUN
gp-286	102	21	<	<	NOUN
gp-286	102	22	8	8	NUM
gp-286	102	23	%	%	NOUN
gp-286	102	24	expected	expect	VERB
gp-286	102	25	return	return	NOUN
gp-286	102	26	of	of	ADP
gp-286	102	27	shareholders	shareholders	PROPN
gp-286	102	28	npm	npm	PROPN
gp-286	102	29	>	>	PROPN
gp-286	102	30	15	15	NUM
gp-286	102	31	%	%	NOUN
gp-286	102	32	10	10	NUM
gp-286	102	33	-	-	SYM
gp-286	102	34	15	15	NUM
gp-286	102	35	%	%	NOUN
gp-286	102	36	5	5	NUM
gp-286	102	37	-	-	SYM
gp-286	102	38	10	10	NUM
gp-286	102	39	%	%	NOUN
gp-286	102	40	<	<	NOUN
gp-286	102	41	5	5	NUM
gp-286	102	42	%	%	NOUN
gp-286	102	43	operational	operational	ADJ
gp-286	102	44	efficiency	efficiency	NOUN
gp-286	102	45	the	the	DET
gp-286	102	46	<	<	X
gp-286	102	47	0.5	0.5	NUM
gp-286	102	48	0.5	0.5	NUM
gp-286	102	49	-	-	SYM
gp-286	102	50	1.0	1.0	NUM
gp-286	102	51	1.0	1.0	NUM
gp-286	102	52	-	-	SYM
gp-286	102	53	1.5	1.5	NUM
gp-286	102	54	>	>	SYM
gp-286	102	55	1.5	1.5	NUM
gp-286	102	56	conservatism	conservatism	NOUN
gp-286	102	57	of	of	ADP
gp-286	102	58	capital	capital	NOUN
gp-286	102	59	structure	structure	NOUN
gp-286	102	60	dta	dta	PROPN
gp-286	102	61	<	<	X
gp-286	102	62	30	30	NUM
gp-286	102	63	%	%	NOUN
gp-286	102	64	30	30	NUM
gp-286	102	65	-	-	SYM
gp-286	102	66	50	50	NUM
gp-286	102	67	%	%	NOUN
gp-286	102	68	50	50	NUM
gp-286	102	69	-	-	SYM
gp-286	102	70	70	70	NUM
gp-286	102	71	%	%	NOUN
gp-286	102	72	>	>	SYM
gp-286	102	73	70	70	NUM
gp-286	102	74	%	%	NOUN
gp-286	102	75	proportion	proportion	NOUN
gp-286	102	76	of	of	ADP
gp-286	102	77	debt	debt	NOUN
gp-286	102	78	financing	financing	NOUN
gp-286	102	79	coverage	coverage	NOUN
gp-286	102	80	ratio	ratio	NOUN
gp-286	102	81	>	>	NOUN
gp-286	102	82	200	200	NUM
gp-286	102	83	%	%	NOUN
gp-286	102	84	150	150	NUM
gp-286	102	85	-	-	SYM
gp-286	102	86	200	200	NUM
gp-286	102	87	%	%	NOUN
gp-286	102	88	120	120	NUM
gp-286	102	89	-	-	SYM
gp-286	102	90	150	150	NUM
gp-286	102	91	%	%	NOUN
gp-286	102	92	<	<	X
gp-286	102	93	120	120	NUM
gp-286	102	94	%	%	NOUN
gp-286	102	95	adequacy	adequacy	NOUN
gp-286	102	96	jaminan	jaminan	NOUN
gp-286	102	97	business	business	NOUN
gp-286	102	98	history	history	NOUN
gp-286	102	99	>	>	PUNCT
gp-286	102	100	10	10	NUM
gp-286	102	101	years	year	NOUN
gp-286	102	102	5	5	NUM
gp-286	102	103	-	-	SYM
gp-286	102	104	10	10	NUM
gp-286	102	105	years	year	NOUN
gp-286	102	106	3	3	NUM
gp-286	102	107	-	-	SYM
gp-286	102	108	5	5	NUM
gp-286	102	109	years	year	NOUN
gp-286	102	110	<3	<3	X
gp-286	102	111	years	year	NOUN
gp-286	102	112	maturity	maturity	PROPN
gp-286	102	113	dan	dan	PROPN
gp-286	102	114	track	track	PROPN
gp-286	102	115	record	record	NOUN
gp-286	102	116	slik	slik	NOUN
gp-286	102	117	rating	rating	NOUN
gp-286	102	118	fluent	fluent	ADJ
gp-286	102	119	dpk	dpk	PROPN
gp-286	102	120	less	less	ADV
gp-286	102	121	fluent	fluent	ADJ
gp-286	102	122	bad	bad	ADJ
gp-286	102	123	bi	bi	ADJ
gp-286	102	124	collectibility	collectibility	NOUN
gp-286	102	125	categories	category	NOUN
gp-286	102	126	this	this	DET
gp-286	102	127	standardization	standardization	NOUN
gp-286	102	128	takes	take	VERB
gp-286	102	129	into	into	ADP
gp-286	102	130	account	account	NOUN
gp-286	102	131	the	the	DET
gp-286	102	132	specific	specific	ADJ
gp-286	102	133	conditions	condition	NOUN
gp-286	102	134	of	of	ADP
gp-286	102	135	the	the	DET
gp-286	102	136	regional	regional	ADJ
gp-286	102	137	economy	economy	NOUN
gp-286	102	138	where	where	SCONJ
gp-286	102	139	the	the	DET
gp-286	102	140	level	level	NOUN
gp-286	102	141	of	of	ADP
gp-286	102	142	profitability	profitability	NOUN
gp-286	102	143	and	and	CCONJ
gp-286	102	144	leverage	leverage	NOUN
gp-286	102	145	of	of	ADP
gp-286	102	146	companies	company	NOUN
gp-286	102	147	in	in	ADP
gp-286	102	148	the	the	DET
gp-286	102	149	bali	bali	PROPN
gp-286	102	150	-	-	PUNCT
gp-286	102	151	nusa	nusa	PROPN
gp-286	102	152	tenggara	tenggara	PROPN
gp-286	102	153	region	region	NOUN
gp-286	102	154	has	have	VERB
gp-286	102	155	different	different	ADJ
gp-286	102	156	characteristics	characteristic	NOUN
gp-286	102	157	from	from	ADP
gp-286	102	158	jakarta	jakarta	PROPN
gp-286	102	159	or	or	CCONJ
gp-286	102	160	surabaya	surabaya	PROPN
gp-286	102	161	.	.	PUNCT
gp-286	103	1	the	the	DET
gp-286	103	2	benchmark	benchmark	NOUN
gp-286	103	3	was	be	AUX
gp-286	103	4	adjusted	adjust	VERB
gp-286	103	5	based	base	VERB
gp-286	103	6	on	on	ADP
gp-286	103	7	statistical	statistical	ADJ
gp-286	103	8	analysis	analysis	NOUN
gp-286	103	9	of	of	ADP
gp-286	103	10	bri	bri	PROPN
gp-286	103	11	denpasar	denpasar	PROPN
gp-286	103	12	's	's	PART
gp-286	103	13	credit	credit	NOUN
gp-286	103	14	portfolio	portfolio	NOUN
gp-286	103	15	over	over	ADP
gp-286	103	16	the	the	DET
gp-286	103	17	past	past	ADJ
gp-286	103	18	5	5	NUM
gp-286	103	19	years	year	NOUN
gp-286	103	20	by	by	ADP
gp-286	103	21	involving	involve	VERB
gp-286	103	22	25	25	NUM
gp-286	103	23	senior	senior	ADJ
gp-286	103	24	analysts	analyst	NOUN
gp-286	103	25	for	for	ADP
gp-286	103	26	practical	practical	ADJ
gp-286	103	27	validation	validation	NOUN
gp-286	103	28	.	.	PUNCT
gp-286	104	1	analysis	analysis	NOUN
gp-286	104	2	of	of	ADP
gp-286	104	3	financial	financial	ADJ
gp-286	104	4	performance	performance	NOUN
gp-286	104	5	characteristics	characteristic	NOUN
gp-286	104	6	,	,	PUNCT
gp-286	104	7	collateral	collateral	ADJ
gp-286	104	8	assessment	assessment	NOUN
gp-286	104	9	and	and	CCONJ
gp-286	104	10	business	business	NOUN
gp-286	104	11	type	type	NOUN
gp-286	104	12	in	in	ADP
gp-286	104	13	the	the	DET
gp-286	104	14	decision	decision	NOUN
gp-286	104	15	to	to	PART
gp-286	104	16	provide	provide	VERB
gp-286	104	17	medium	medium	ADJ
gp-286	104	18	credit	credit	NOUN
gp-286	104	19	facilities	facility	NOUN
gp-286	104	20	at	at	ADP
gp-286	104	21	bri	bri	PROPN
gp-286	104	22	denpasar	denpasar	NOUN
gp-286	104	23	using	use	VERB
gp-286	104	24	the	the	DET
gp-286	104	25	analytical	analytical	ADJ
gp-286	104	26	hierarchy	hierarchy	NOUN
gp-286	104	27	process	process	NOUN
gp-286	104	28	method	method	NOUN
gp-286	104	29	1232	1232	NUM
gp-286	104	30	model	model	NOUN
gp-286	104	31	validation	validation	NOUN
gp-286	104	32	with	with	ADP
gp-286	104	33	17	17	NUM
gp-286	104	34	company	company	NOUN
gp-286	104	35	data	data	VERB
gp-286	104	36	comprehensive	comprehensive	ADJ
gp-286	104	37	empirical	empirical	ADJ
gp-286	104	38	validation	validation	NOUN
gp-286	104	39	methodology	methodology	NOUN
gp-286	104	40	validation	validation	NOUN
gp-286	104	41	was	be	AUX
gp-286	104	42	carried	carry	VERB
gp-286	104	43	out	out	ADP
gp-286	104	44	using	use	VERB
gp-286	104	45	data	datum	NOUN
gp-286	104	46	from	from	ADP
gp-286	104	47	17	17	NUM
gp-286	104	48	companies	company	NOUN
gp-286	104	49	selected	select	VERB
gp-286	104	50	by	by	ADP
gp-286	104	51	purposive	purposive	NOUN
gp-286	104	52	sampling	sampling	NOUN
gp-286	104	53	with	with	ADP
gp-286	104	54	very	very	ADV
gp-286	104	55	strict	strict	ADJ
gp-286	104	56	criteria	criterion	NOUN
gp-286	104	57	to	to	PART
gp-286	104	58	ensure	ensure	VERB
gp-286	104	59	the	the	DET
gp-286	104	60	representativeness	representativeness	NOUN
gp-286	104	61	and	and	CCONJ
gp-286	104	62	validity	validity	NOUN
gp-286	104	63	of	of	ADP
gp-286	104	64	the	the	DET
gp-286	104	65	results	result	NOUN
gp-286	104	66	.	.	PUNCT
gp-286	105	1	the	the	DET
gp-286	105	2	selection	selection	NOUN
gp-286	105	3	criteria	criterion	NOUN
gp-286	105	4	include	include	VERB
gp-286	105	5	credit	credit	NOUN
gp-286	105	6	customers	customer	NOUN
gp-286	105	7	with	with	ADP
gp-286	105	8	a	a	DET
gp-286	105	9	minimum	minimum	ADJ
gp-286	105	10	facility	facility	NOUN
gp-286	105	11	of	of	ADP
gp-286	105	12	idr	idr	PROPN
gp-286	105	13	25	25	NUM
gp-286	105	14	billion	billion	NUM
gp-286	105	15	that	that	PRON
gp-286	105	16	shows	show	VERB
gp-286	105	17	a	a	DET
gp-286	105	18	significant	significant	ADJ
gp-286	105	19	business	business	NOUN
gp-286	105	20	scale	scale	NOUN
gp-286	105	21	,	,	PUNCT
gp-286	105	22	companies	company	NOUN
gp-286	105	23	that	that	PRON
gp-286	105	24	have	have	AUX
gp-286	105	25	been	be	AUX
gp-286	105	26	operating	operate	VERB
gp-286	105	27	for	for	ADP
gp-286	105	28	at	at	ADV
gp-286	105	29	least	least	ADV
gp-286	105	30	3	3	NUM
gp-286	105	31	years	year	NOUN
gp-286	105	32	to	to	PART
gp-286	105	33	ensure	ensure	VERB
gp-286	105	34	an	an	DET
gp-286	105	35	adequate	adequate	ADJ
gp-286	105	36	track	track	NOUN
gp-286	105	37	record	record	NOUN
gp-286	105	38	,	,	PUNCT
gp-286	105	39	complete	complete	ADJ
gp-286	105	40	documentation	documentation	NOUN
gp-286	105	41	including	include	VERB
gp-286	105	42	audited	audit	VERB
gp-286	105	43	financial	financial	ADJ
gp-286	105	44	statements	statement	NOUN
gp-286	105	45	for	for	ADP
gp-286	105	46	the	the	DET
gp-286	105	47	last	last	ADJ
gp-286	105	48	3	3	NUM
gp-286	105	49	years	year	NOUN
gp-286	105	50	,	,	PUNCT
gp-286	105	51	collateral	collateral	ADJ
gp-286	105	52	assessment	assessment	NOUN
gp-286	105	53	from	from	ADP
gp-286	105	54	certified	certify	VERB
gp-286	105	55	independent	independent	ADJ
gp-286	105	56	appraisers	appraiser	NOUN
gp-286	105	57	,	,	PUNCT
gp-286	105	58	valid	valid	ADJ
gp-286	105	59	and	and	CCONJ
gp-286	105	60	up	up	ADP
gp-286	105	61	-	-	PUNCT
gp-286	105	62	to	to	ADP
gp-286	105	63	-	-	PUNCT
gp-286	105	64	date	date	NOUN
gp-286	105	65	slik	slik	NOUN
gp-286	105	66	/	/	SYM
gp-286	105	67	bi	bi	NOUN
gp-286	105	68	checking	checking	NOUN
gp-286	105	69	data	datum	NOUN
gp-286	105	70	,	,	PUNCT
gp-286	105	71	and	and	CCONJ
gp-286	105	72	have	have	AUX
gp-286	105	73	gone	go	VERB
gp-286	105	74	through	through	ADP
gp-286	105	75	a	a	DET
gp-286	105	76	complete	complete	ADJ
gp-286	105	77	credit	credit	NOUN
gp-286	105	78	approval	approval	NOUN
gp-286	105	79	process	process	NOUN
gp-286	105	80	at	at	ADP
gp-286	105	81	bri	bri	PROPN
gp-286	105	82	denpasar	denpasar	NOUN
gp-286	105	83	.	.	PUNCT
gp-286	106	1	the	the	DET
gp-286	106	2	selection	selection	NOUN
gp-286	106	3	of	of	ADP
gp-286	106	4	17	17	NUM
gp-286	106	5	cases	case	NOUN
gp-286	106	6	from	from	ADP
gp-286	106	7	a	a	DET
gp-286	106	8	population	population	NOUN
gp-286	106	9	of	of	ADP
gp-286	106	10	47	47	NUM
gp-286	106	11	customers	customer	NOUN
gp-286	106	12	(	(	PUNCT
gp-286	106	13	36.2	36.2	NUM
gp-286	106	14	%	%	NOUN
gp-286	106	15	)	)	PUNCT
gp-286	106	16	met	meet	VERB
gp-286	106	17	the	the	DET
gp-286	106	18	credit	credit	NOUN
gp-286	106	19	model	model	NOUN
gp-286	106	20	validation	validation	NOUN
gp-286	106	21	research	research	NOUN
gp-286	106	22	standards	standard	NOUN
gp-286	106	23	recommended	recommend	VERB
gp-286	106	24	by	by	ADP
gp-286	106	25	sekaran	sekaran	NOUN
gp-286	106	26	&	&	CCONJ
gp-286	106	27	bougie	bougie	PROPN
gp-286	106	28	(	(	PUNCT
gp-286	106	29	2022	2022	NUM
gp-286	106	30	)	)	PUNCT
gp-286	106	31	for	for	ADP
gp-286	106	32	a	a	DET
gp-286	106	33	small	small	ADJ
gp-286	106	34	population	population	NOUN
gp-286	106	35	.	.	PUNCT
gp-286	107	1	the	the	DET
gp-286	107	2	proportional	proportional	ADJ
gp-286	107	3	sectoral	sectoral	ADJ
gp-286	107	4	distribution	distribution	NOUN
gp-286	107	5	with	with	ADP
gp-286	107	6	5	5	NUM
gp-286	107	7	trading	trading	NOUN
gp-286	107	8	companies	company	NOUN
gp-286	107	9	,	,	PUNCT
gp-286	107	10	4	4	NUM
gp-286	107	11	manufacturing	manufacturing	NOUN
gp-286	107	12	,	,	PUNCT
gp-286	107	13	4	4	NUM
gp-286	107	14	services	service	NOUN
gp-286	107	15	,	,	PUNCT
gp-286	107	16	2	2	NUM
gp-286	107	17	construction	construction	NOUN
gp-286	107	18	,	,	PUNCT
gp-286	107	19	and	and	CCONJ
gp-286	107	20	2	2	NUM
gp-286	107	21	health	health	NOUN
gp-286	107	22	provides	provide	VERB
gp-286	107	23	a	a	DET
gp-286	107	24	good	good	ADJ
gp-286	107	25	representation	representation	NOUN
gp-286	107	26	of	of	ADP
gp-286	107	27	bri	bri	PROPN
gp-286	107	28	denpasar	denpasar	PROPN
gp-286	107	29	's	's	PART
gp-286	107	30	actual	actual	ADJ
gp-286	107	31	portfolio	portfolio	NOUN
gp-286	107	32	.	.	PUNCT
gp-286	108	1	implementation	implementation	NOUN
gp-286	108	2	of	of	ADP
gp-286	108	3	composite	composite	ADJ
gp-286	108	4	scoring	scoring	NOUN
gp-286	108	5	formula	formula	NOUN
gp-286	108	6	with	with	ADP
gp-286	108	7	detailed	detailed	ADJ
gp-286	108	8	examples	example	NOUN
gp-286	108	9	to	to	PART
gp-286	108	10	provide	provide	VERB
gp-286	108	11	a	a	DET
gp-286	108	12	concrete	concrete	ADJ
gp-286	108	13	overview	overview	NOUN
gp-286	108	14	of	of	ADP
gp-286	108	15	the	the	DET
gp-286	108	16	implementation	implementation	NOUN
gp-286	108	17	of	of	ADP
gp-286	108	18	the	the	DET
gp-286	108	19	formula	formula	NOUN
gp-286	108	20	,	,	PUNCT
gp-286	108	21	here	here	ADV
gp-286	108	22	is	be	AUX
gp-286	108	23	an	an	DET
gp-286	108	24	example	example	NOUN
gp-286	108	25	of	of	ADP
gp-286	108	26	a	a	DET
gp-286	108	27	complete	complete	ADJ
gp-286	108	28	calculation	calculation	NOUN
gp-286	108	29	for	for	ADP
gp-286	108	30	company	company	NOUN
gp-286	108	31	a	a	PRON
gp-286	108	32	(	(	PUNCT
gp-286	108	33	trade	trade	NOUN
gp-286	108	34	sector	sector	NOUN
gp-286	108	35	,	,	PUNCT
gp-286	108	36	credit	credit	NOUN
gp-286	108	37	of	of	ADP
gp-286	108	38	idr	idr	PROPN
gp-286	108	39	65.7	65.7	NUM
gp-286	108	40	billion	billion	NUM
gp-286	108	41	):	):	PUNCT
gp-286	108	42	company	company	NOUN
gp-286	108	43	financial	financial	ADJ
gp-286	108	44	data	datum	NOUN
gp-286	108	45	a	a	DET
gp-286	108	46	:	:	PUNCT
gp-286	108	47	a.	a.	NOUN
gp-286	108	48	current	current	PROPN
gp-286	108	49	ratio	ratio	NOUN
gp-286	108	50	:	:	PUNCT
gp-286	108	51	1.46	1.46	NUM
gp-286	108	52	→	→	SYM
gp-286	108	53	score	score	NOUN
gp-286	108	54	60	60	NUM
gp-286	108	55	(	(	PUNCT
gp-286	108	56	fair	fair	ADJ
gp-286	108	57	category	category	NOUN
gp-286	108	58	,	,	PUNCT
gp-286	108	59	in	in	ADP
gp-286	108	60	the	the	DET
gp-286	108	61	range	range	NOUN
gp-286	108	62	of	of	ADP
gp-286	108	63	1.0	1.0	NUM
gp-286	108	64	-	-	SYM
gp-286	108	65	1.5	1.5	NUM
gp-286	108	66	)	)	PUNCT
gp-286	108	67	b.	b.	NOUN
gp-286	108	68	quick	quick	ADJ
gp-286	108	69	ratio	ratio	NOUN
gp-286	108	70	:	:	PUNCT
gp-286	108	71	0.91	0.91	NUM
gp-286	108	72	→	→	SYM
gp-286	108	73	score	score	NOUN
gp-286	108	74	40	40	NUM
gp-286	108	75	(	(	PUNCT
gp-286	108	76	poor	poor	ADJ
gp-286	108	77	category	category	NOUN
gp-286	108	78	,	,	PUNCT
gp-286	108	79	in	in	ADP
gp-286	108	80	the	the	DET
gp-286	108	81	lower	low	ADJ
gp-286	108	82	0.7	0.7	NUM
gp-286	108	83	-	-	SYM
gp-286	108	84	1.0	1.0	NUM
gp-286	108	85	range	range	NOUN
gp-286	108	86	)	)	PUNCT
gp-286	108	87	c.	c.	PROPN
gp-286	108	88	roa	roa	PROPN
gp-286	108	89	:	:	PUNCT
gp-286	108	90	13	13	NUM
gp-286	108	91	%	%	NOUN
gp-286	108	92	→	→	SYM
gp-286	108	93	score	score	NOUN
gp-286	108	94	80	80	NUM
gp-286	108	95	(	(	PUNCT
gp-286	108	96	good	good	ADJ
gp-286	108	97	category	category	NOUN
gp-286	108	98	,	,	PUNCT
gp-286	108	99	in	in	ADP
gp-286	108	100	the	the	DET
gp-286	108	101	range	range	NOUN
gp-286	108	102	of	of	ADP
gp-286	108	103	8	8	NUM
gp-286	108	104	-	-	SYM
gp-286	108	105	15	15	NUM
gp-286	108	106	%	%	NOUN
gp-286	108	107	)	)	PUNCT
gp-286	108	108	d.	d.	PROPN
gp-286	108	109	roe	roe	PROPN
gp-286	108	110	:	:	PUNCT
gp-286	108	111	27	27	NUM
gp-286	108	112	%	%	NOUN
gp-286	108	113	→	→	SYM
gp-286	108	114	score	score	NOUN
gp-286	108	115	100	100	NUM
gp-286	108	116	(	(	PUNCT
gp-286	108	117	excellent	excellent	ADJ
gp-286	108	118	category	category	NOUN
gp-286	108	119	,	,	PUNCT
gp-286	108	120	above	above	ADP
gp-286	108	121	25	25	NUM
gp-286	108	122	%	%	NOUN
gp-286	108	123	)	)	PUNCT
gp-286	108	124	e.	e.	PROPN
gp-286	108	125	net	net	ADJ
gp-286	108	126	profit	profit	NOUN
gp-286	108	127	margin	margin	NOUN
gp-286	108	128	:	:	PUNCT
gp-286	108	129	4	4	NUM
gp-286	108	130	%	%	NOUN
gp-286	108	131	→	→	SYM
gp-286	108	132	score	score	NOUN
gp-286	108	133	60	60	NUM
gp-286	108	134	(	(	PUNCT
gp-286	108	135	fair	fair	ADJ
gp-286	108	136	category	category	NOUN
gp-286	108	137	,	,	PUNCT
gp-286	108	138	in	in	ADP
gp-286	108	139	the	the	DET
gp-286	108	140	lower	low	ADJ
gp-286	108	141	3	3	NUM
gp-286	108	142	-	-	SYM
gp-286	108	143	8	8	NUM
gp-286	108	144	%	%	NOUN
gp-286	108	145	range	range	NOUN
gp-286	108	146	)	)	PUNCT
gp-286	108	147	f.	f.	PROPN
gp-286	108	148	debt	debt	PROPN
gp-286	108	149	to	to	ADP
gp-286	108	150	equity	equity	NOUN
gp-286	108	151	ratio	ratio	NOUN
gp-286	108	152	:	:	PUNCT
gp-286	108	153	1.09	1.09	NUM
gp-286	108	154	→	→	SYM
gp-286	108	155	score	score	NOUN
gp-286	108	156	60	60	NUM
gp-286	108	157	(	(	PUNCT
gp-286	108	158	fair	fair	ADJ
gp-286	108	159	category	category	NOUN
gp-286	108	160	,	,	PUNCT
gp-286	108	161	di	di	NOUN
gp-286	108	162	range	range	VERB
gp-286	108	163	1.0	1.0	NUM
gp-286	108	164	-	-	SYM
gp-286	108	165	1.5	1.5	NUM
gp-286	108	166	)	)	PUNCT
gp-286	108	167	g.	g.	NOUN
gp-286	108	168	debt	debt	NOUN
gp-286	108	169	to	to	ADP
gp-286	108	170	asset	asset	NOUN
gp-286	108	171	ratio	ratio	NOUN
gp-286	108	172	:	:	PUNCT
gp-286	108	173	52	52	NUM
gp-286	108	174	%	%	NOUN
gp-286	108	175	→	→	SYM
gp-286	108	176	score	score	NOUN
gp-286	108	177	60	60	NUM
gp-286	108	178	(	(	PUNCT
gp-286	108	179	category	category	NOUN
gp-286	108	180	fair	fair	ADJ
gp-286	108	181	,	,	PUNCT
gp-286	108	182	di	di	X
gp-286	108	183	range	range	NOUN
gp-286	108	184	50	50	NUM
gp-286	108	185	-	-	SYM
gp-286	108	186	70	70	NUM
gp-286	108	187	%	%	NOUN
gp-286	108	188	)	)	PUNCT
gp-286	108	189	non	non	ADJ
gp-286	108	190	-	-	ADJ
gp-286	108	191	financial	financial	ADJ
gp-286	108	192	data	datum	NOUN
gp-286	108	193	of	of	ADP
gp-286	108	194	company	company	NOUN
gp-286	108	195	a	a	DET
gp-286	108	196	:	:	PUNCT
gp-286	108	197	a.	a.	NOUN
gp-286	108	198	business	business	NOUN
gp-286	108	199	history	history	NOUN
gp-286	108	200	:	:	PUNCT
gp-286	108	201	8	8	NUM
gp-286	108	202	years	year	NOUN
gp-286	108	203	of	of	ADP
gp-286	108	204	operation	operation	NOUN
gp-286	108	205	→	→	SYM
gp-286	108	206	score	score	NOUN
gp-286	108	207	80	80	NUM
gp-286	108	208	(	(	PUNCT
gp-286	108	209	good	good	ADJ
gp-286	108	210	category	category	NOUN
gp-286	108	211	)	)	PUNCT
gp-286	108	212	b.	b.	PROPN
gp-286	108	213	slik	slik	PROPN
gp-286	108	214	rating	rating	NOUN
gp-286	108	215	:	:	PUNCT
gp-286	108	216	smooth	smooth	ADJ
gp-286	108	217	with	with	ADP
gp-286	108	218	no	no	DET
gp-286	108	219	arrears	arrear	NOUN
gp-286	108	220	→	→	SYM
gp-286	108	221	score	score	NOUN
gp-286	108	222	80	80	NUM
gp-286	108	223	c.	c.	NOUN
gp-286	108	224	business	business	NOUN
gp-286	108	225	sector	sector	NOUN
gp-286	108	226	:	:	PUNCT
gp-286	108	227	fmcg	fmcg	NOUN
gp-286	108	228	trade	trade	NOUN
gp-286	108	229	→	→	PUNCT
gp-286	108	230	score	score	NOUN
gp-286	108	231	60	60	NUM
gp-286	108	232	(	(	PUNCT
gp-286	108	233	stable	stable	ADJ
gp-286	108	234	but	but	CCONJ
gp-286	108	235	competitive	competitive	ADJ
gp-286	108	236	sector	sector	NOUN
gp-286	108	237	)	)	PUNCT
gp-286	108	238	d.	d.	PROPN
gp-286	108	239	collateral	collateral	PROPN
gp-286	108	240	value	value	NOUN
gp-286	108	241	:	:	PUNCT
gp-286	108	242	coverage	coverage	NOUN
gp-286	108	243	ratio	ratio	NOUN
gp-286	108	244	180	180	NUM
gp-286	108	245	%	%	NOUN
gp-286	108	246	→	→	SYM
gp-286	108	247	score	score	NOUN
gp-286	108	248	100	100	NUM
gp-286	108	249	(	(	PUNCT
gp-286	108	250	excellent	excellent	ADJ
gp-286	108	251	category	category	NOUN
gp-286	108	252	)	)	PUNCT
gp-286	109	1	e.	e.	PROPN
gp-286	109	2	physical	physical	PROPN
gp-286	109	3	collateral	collateral	NOUN
gp-286	109	4	:	:	PUNCT
gp-286	109	5	strategic	strategic	ADJ
gp-286	109	6	property	property	NOUN
gp-286	109	7	in	in	ADP
gp-286	109	8	denpasar	denpasar	PROPN
gp-286	109	9	→	→	SYM
gp-286	109	10	score	score	NOUN
gp-286	109	11	80	80	NUM
gp-286	109	12	(	(	PUNCT
gp-286	109	13	good	good	ADJ
gp-286	109	14	location	location	NOUN
gp-286	109	15	,	,	PUNCT
gp-286	109	16	easy	easy	ADJ
gp-286	109	17	to	to	PART
gp-286	109	18	market	market	NOUN
gp-286	109	19	)	)	PUNCT
gp-286	109	20	step	step	NOUN
gp-286	109	21	-	-	PUNCT
gp-286	109	22	by	by	ADP
gp-286	109	23	-	-	PUNCT
gp-286	109	24	step	step	NOUN
gp-286	109	25	composite	composite	ADJ
gp-286	109	26	scoring	scoring	NOUN
gp-286	109	27	calculation	calculation	NOUN
gp-286	109	28	:	:	PUNCT
gp-286	109	29	a.	a.	NOUN
gp-286	109	30	composite	composite	ADJ
gp-286	109	31	likuiditas	likuidita	NOUN
gp-286	109	32	:	:	PUNCT
gp-286	110	1	=	=	SYM
gp-286	110	2	(	(	PUNCT
gp-286	110	3	current	current	ADJ
gp-286	110	4	ratio	ratio	NOUN
gp-286	110	5	×	×	NOUN
gp-286	110	6	70	70	NUM
gp-286	110	7	%	%	NOUN
gp-286	110	8	)	)	PUNCT
gp-286	111	1	+	+	CCONJ
gp-286	111	2	(	(	PUNCT
gp-286	111	3	quick	quick	ADJ
gp-286	111	4	ratio	ratio	NOUN
gp-286	111	5	×	×	NOUN
gp-286	111	6	30	30	NUM
gp-286	111	7	%	%	NOUN
gp-286	111	8	)	)	PUNCT
gp-286	111	9	=	=	PUNCT
gp-286	112	1	(	(	PUNCT
gp-286	112	2	60	60	NUM
gp-286	112	3	×	×	NOUN
gp-286	112	4	0.70	0.70	NUM
gp-286	112	5	)	)	PUNCT
gp-286	113	1	+	+	CCONJ
gp-286	113	2	(	(	PUNCT
gp-286	113	3	40	40	NUM
gp-286	113	4	×	×	NOUN
gp-286	113	5	0.30	0.30	NUM
gp-286	113	6	)	)	PUNCT
gp-286	113	7	=	=	SYM
gp-286	114	1	42	42	NUM
gp-286	115	1	+	+	NUM
gp-286	115	2	12	12	NUM
gp-286	115	3	=	=	SYM
gp-286	115	4	54	54	NUM
gp-286	115	5	b.	b.	NOUN
gp-286	115	6	composite	composite	ADJ
gp-286	115	7	profitability	profitability	NOUN
gp-286	115	8	:	:	PUNCT
gp-286	115	9	=	=	SYM
gp-286	115	10	(	(	PUNCT
gp-286	115	11	roa	roa	NOUN
gp-286	115	12	×	×	NOUN
gp-286	115	13	50	50	NUM
gp-286	115	14	%	%	NOUN
gp-286	115	15	)	)	PUNCT
gp-286	116	1	+	+	CCONJ
gp-286	116	2	(	(	PUNCT
gp-286	116	3	roe	roe	NOUN
gp-286	116	4	×	×	NOUN
gp-286	116	5	30	30	NUM
gp-286	116	6	%	%	NOUN
gp-286	116	7	)	)	PUNCT
gp-286	117	1	+	+	CCONJ
gp-286	117	2	(	(	PUNCT
gp-286	117	3	npm	npm	PROPN
gp-286	117	4	×	×	NOUN
gp-286	117	5	20	20	NUM
gp-286	117	6	%	%	NOUN
gp-286	117	7	)	)	PUNCT
gp-286	117	8	=	=	PUNCT
gp-286	117	9	(	(	PUNCT
gp-286	117	10	80	80	NUM
gp-286	117	11	×	×	NOUN
gp-286	117	12	0.50	0.50	NUM
gp-286	117	13	)	)	PUNCT
gp-286	118	1	+	+	CCONJ
gp-286	118	2	(	(	PUNCT
gp-286	118	3	100	100	NUM
gp-286	118	4	×	×	NOUN
gp-286	118	5	0.30	0.30	NUM
gp-286	118	6	)	)	PUNCT
gp-286	119	1	+	+	CCONJ
gp-286	119	2	(	(	PUNCT
gp-286	119	3	60	60	NUM
gp-286	119	4	×	×	NOUN
gp-286	119	5	0.20	0.20	NUM
gp-286	119	6	)	)	PUNCT
gp-286	119	7	=	=	SYM
gp-286	120	1	40	40	NUM
gp-286	121	1	+	+	NUM
gp-286	121	2	30	30	NUM
gp-286	121	3	+	+	NUM
gp-286	121	4	12	12	NUM
gp-286	121	5	=	=	SYM
gp-286	121	6	82	82	NUM
gp-286	121	7	c.	c.	NOUN
gp-286	121	8	composite	composite	ADJ
gp-286	121	9	solvabilitas	solvabilita	NOUN
gp-286	121	10	:	:	PUNCT
gp-286	122	1	=	=	SYM
gp-286	122	2	(	(	PUNCT
gp-286	122	3	der	der	ADJ
gp-286	122	4	×	×	PROPN
gp-286	122	5	60	60	NUM
gp-286	122	6	%	%	NOUN
gp-286	122	7	)	)	PUNCT
gp-286	123	1	+	+	CCONJ
gp-286	123	2	(	(	PUNCT
gp-286	123	3	dta	dta	VERB
gp-286	123	4	×	×	PROPN
gp-286	123	5	40	40	NUM
gp-286	123	6	%	%	NOUN
gp-286	123	7	)	)	PUNCT
gp-286	123	8	=	=	PUNCT
gp-286	124	1	(	(	PUNCT
gp-286	124	2	60	60	NUM
gp-286	124	3	×	×	NOUN
gp-286	124	4	0.60	0.60	NUM
gp-286	124	5	)	)	PUNCT
gp-286	125	1	+	+	CCONJ
gp-286	125	2	(	(	PUNCT
gp-286	125	3	60	60	NUM
gp-286	125	4	×	×	NOUN
gp-286	125	5	0.40	0.40	NUM
gp-286	125	6	)	)	PUNCT
gp-286	125	7	=	=	SYM
gp-286	126	1	36	36	NUM
gp-286	126	2	+	+	NUM
gp-286	126	3	24	24	NUM
gp-286	126	4	=	=	SYM
gp-286	126	5	60	60	NUM
gp-286	126	6	analysis	analysis	NOUN
gp-286	126	7	of	of	ADP
gp-286	126	8	financial	financial	ADJ
gp-286	126	9	performance	performance	NOUN
gp-286	126	10	characteristics	characteristic	NOUN
gp-286	126	11	,	,	PUNCT
gp-286	126	12	collateral	collateral	ADJ
gp-286	126	13	assessment	assessment	NOUN
gp-286	126	14	and	and	CCONJ
gp-286	126	15	business	business	NOUN
gp-286	126	16	type	type	NOUN
gp-286	126	17	in	in	ADP
gp-286	126	18	the	the	DET
gp-286	126	19	decision	decision	NOUN
gp-286	126	20	to	to	PART
gp-286	126	21	provide	provide	VERB
gp-286	126	22	medium	medium	ADJ
gp-286	126	23	credit	credit	NOUN
gp-286	126	24	facilities	facility	NOUN
gp-286	126	25	at	at	ADP
gp-286	126	26	bri	bri	PROPN
gp-286	126	27	denpasar	denpasar	NOUN
gp-286	126	28	using	use	VERB
gp-286	126	29	the	the	DET
gp-286	126	30	analytical	analytical	ADJ
gp-286	126	31	hierarchy	hierarchy	NOUN
gp-286	126	32	process	process	NOUN
gp-286	126	33	method	method	VERB
gp-286	126	34	1233	1233	NUM
gp-286	126	35	calculation	calculation	NOUN
gp-286	126	36	of	of	ADP
gp-286	126	37	ahp	ahp	PROPN
gp-286	126	38	final	final	ADJ
gp-286	126	39	score	score	NOUN
gp-286	126	40	company	company	NOUN
gp-286	126	41	a	a	PRON
gp-286	126	42	:	:	PUNCT
gp-286	126	43	ahp	ahp	NOUN
gp-286	126	44	score	score	NOUN
gp-286	126	45	=	=	PUNCT
gp-286	126	46	(	(	PUNCT
gp-286	126	47	composite	composite	ADJ
gp-286	126	48	liquidity	liquidity	NOUN
gp-286	126	49	×	×	NOUN
gp-286	126	50	22.5	22.5	NUM
gp-286	126	51	%	%	NOUN
gp-286	126	52	)	)	PUNCT
gp-286	127	1	+	+	CCONJ
gp-286	127	2	(	(	PUNCT
gp-286	127	3	composite	composite	ADJ
gp-286	127	4	profitability	profitability	NOUN
gp-286	127	5	×	×	NOUN
gp-286	127	6	18.0	18.0	NUM
gp-286	127	7	%	%	NOUN
gp-286	127	8	)	)	PUNCT
gp-286	128	1	+	+	CCONJ
gp-286	128	2	(	(	PUNCT
gp-286	128	3	composite	composite	ADJ
gp-286	128	4	solvency	solvency	NOUN
gp-286	128	5	×	×	NOUN
gp-286	128	6	14.3	14.3	NUM
gp-286	128	7	%	%	NOUN
gp-286	128	8	)	)	PUNCT
gp-286	129	1	+	+	CCONJ
gp-286	129	2	(	(	PUNCT
gp-286	129	3	business	business	NOUN
gp-286	129	4	history	history	NOUN
gp-286	129	5	×	×	NOUN
gp-286	129	6	12.0	12.0	NUM
gp-286	129	7	%	%	NOUN
gp-286	129	8	)	)	PUNCT
gp-286	130	1	+	+	CCONJ
gp-286	130	2	(	(	PUNCT
gp-286	130	3	business	business	NOUN
gp-286	130	4	sector	sector	NOUN
gp-286	130	5	×	×	NOUN
gp-286	130	6	10.0	10.0	NUM
gp-286	130	7	%	%	NOUN
gp-286	130	8	)	)	PUNCT
gp-286	131	1	+	+	CCONJ
gp-286	131	2	(	(	PUNCT
gp-286	131	3	collateral	collateral	ADJ
gp-286	131	4	value	value	NOUN
gp-286	131	5	×	×	NOUN
gp-286	131	6	10.6	10.6	NUM
gp-286	131	7	%	%	NOUN
gp-286	131	8	)	)	PUNCT
gp-286	132	1	+	+	CCONJ
gp-286	132	2	(	(	PUNCT
gp-286	132	3	physical	physical	ADJ
gp-286	132	4	collateral	collateral	NOUN
gp-286	132	5	×	×	NOUN
gp-286	132	6	10.6	10.6	NUM
gp-286	132	7	%	%	NOUN
gp-286	132	8	)	)	PUNCT
gp-286	132	9	ahp	ahp	NOUN
gp-286	132	10	score	score	NOUN
gp-286	132	11	=	=	PUNCT
gp-286	132	12	(	(	PUNCT
gp-286	132	13	54	54	NUM
gp-286	132	14	×	×	NOUN
gp-286	132	15	0.225	0.225	NUM
gp-286	132	16	)	)	PUNCT
gp-286	133	1	+	+	CCONJ
gp-286	133	2	(	(	PUNCT
gp-286	133	3	82	82	NUM
gp-286	133	4	×	×	NOUN
gp-286	133	5	0.180	0.180	NUM
gp-286	133	6	)	)	PUNCT
gp-286	134	1	+	+	CCONJ
gp-286	134	2	(	(	PUNCT
gp-286	134	3	60	60	NUM
gp-286	134	4	×	×	NOUN
gp-286	134	5	0.143	0.143	NUM
gp-286	134	6	)	)	PUNCT
gp-286	135	1	+	+	CCONJ
gp-286	135	2	(	(	PUNCT
gp-286	135	3	80	80	NUM
gp-286	135	4	×	×	NOUN
gp-286	135	5	0.120	0.120	NUM
gp-286	135	6	)	)	PUNCT
gp-286	136	1	+	+	CCONJ
gp-286	136	2	(	(	PUNCT
gp-286	136	3	60	60	NUM
gp-286	136	4	×	×	NOUN
gp-286	136	5	0.100	0.100	NUM
gp-286	136	6	)	)	PUNCT
gp-286	136	7	+	+	CCONJ
gp-286	137	1	(	(	PUNCT
gp-286	137	2	100	100	NUM
gp-286	137	3	×	×	NOUN
gp-286	137	4	0.106	0.106	NUM
gp-286	137	5	)	)	PUNCT
gp-286	138	1	+	+	CCONJ
gp-286	138	2	(	(	PUNCT
gp-286	138	3	80	80	NUM
gp-286	138	4	×	×	NOUN
gp-286	138	5	0.106	0.106	NUM
gp-286	138	6	)	)	PUNCT
gp-286	138	7	ahp	ahp	NOUN
gp-286	138	8	score	score	NOUN
gp-286	138	9	=	=	PUNCT
gp-286	138	10	12.15	12.15	NUM
gp-286	138	11	+	+	NUM
gp-286	138	12	14.76	14.76	NUM
gp-286	138	13	+	+	NUM
gp-286	138	14	8.58	8.58	NUM
gp-286	138	15	+	+	CCONJ
gp-286	138	16	9.60	9.60	NUM
gp-286	138	17	+	+	NUM
gp-286	138	18	6.00	6.00	NUM
gp-286	138	19	+	+	CCONJ
gp-286	138	20	10.60	10.60	NUM
gp-286	138	21	+	+	CCONJ
gp-286	138	22	8.48	8.48	NUM
gp-286	138	23	=	=	SYM
gp-286	138	24	70.17	70.17	NUM
gp-286	138	25	company	company	NOUN
gp-286	139	1	a	a	PRON
gp-286	139	2	's	's	PART
gp-286	139	3	interpretation	interpretation	NOUN
gp-286	139	4	:	:	PUNCT
gp-286	139	5	with	with	ADP
gp-286	139	6	an	an	DET
gp-286	139	7	ahp	ahp	NOUN
gp-286	139	8	score	score	NOUN
gp-286	139	9	of	of	ADP
gp-286	139	10	70.17	70.17	NUM
gp-286	139	11	,	,	PUNCT
gp-286	139	12	company	company	NOUN
gp-286	139	13	a	a	PRON
gp-286	139	14	is	be	AUX
gp-286	139	15	in	in	ADP
gp-286	139	16	the	the	DET
gp-286	139	17	medium	medium	ADJ
gp-286	139	18	risk	risk	NOUN
gp-286	139	19	category	category	NOUN
gp-286	139	20	that	that	PRON
gp-286	139	21	requires	require	VERB
gp-286	139	22	regular	regular	ADJ
gp-286	139	23	monitoring	monitoring	NOUN
gp-286	139	24	and	and	CCONJ
gp-286	139	25	standard	standard	ADJ
gp-286	139	26	credit	credit	NOUN
gp-286	139	27	requirements	requirement	NOUN
gp-286	139	28	.	.	PUNCT
gp-286	140	1	the	the	DET
gp-286	140	2	main	main	ADJ
gp-286	140	3	strength	strength	NOUN
gp-286	140	4	lies	lie	VERB
gp-286	140	5	in	in	ADP
gp-286	140	6	good	good	ADJ
gp-286	140	7	profitability	profitability	NOUN
gp-286	140	8	(	(	PUNCT
gp-286	140	9	especially	especially	ADV
gp-286	140	10	excellent	excellent	ADJ
gp-286	140	11	roe	roe	NOUN
gp-286	140	12	)	)	PUNCT
gp-286	140	13	and	and	CCONJ
gp-286	140	14	adequate	adequate	ADJ
gp-286	140	15	collateral	collateral	NOUN
gp-286	140	16	.	.	PUNCT
gp-286	141	1	areas	area	NOUN
gp-286	141	2	that	that	PRON
gp-286	141	3	need	need	VERB
gp-286	141	4	attention	attention	NOUN
gp-286	141	5	are	be	AUX
gp-286	141	6	marginal	marginal	ADJ
gp-286	141	7	liquidity	liquidity	NOUN
gp-286	141	8	and	and	CCONJ
gp-286	141	9	capital	capital	NOUN
gp-286	141	10	structures	structure	NOUN
gp-286	141	11	that	that	PRON
gp-286	141	12	need	need	VERB
gp-286	141	13	to	to	PART
gp-286	141	14	be	be	AUX
gp-286	141	15	improved	improve	VERB
gp-286	141	16	.	.	PUNCT
gp-286	142	1	table	table	NOUN
gp-286	142	2	3	3	NUM
gp-286	142	3	.	.	PUNCT
gp-286	143	1	comprehensive	comprehensive	ADJ
gp-286	143	2	results	result	NOUN
gp-286	143	3	of	of	ADP
gp-286	143	4	ahp	ahp	PROPN
gp-286	143	5	score	score	PROPN
gp-286	143	6	portfolio	portfolio	PROPN
gp-286	143	7	calculation	calculation	NOUN
gp-286	143	8	company	company	NOUN
gp-286	143	9	sector	sector	NOUN
gp-286	143	10	ahp	ahp	PROPN
gp-286	143	11	score	score	NOUN
gp-286	143	12	category	category	NOUN
gp-286	143	13	risk	risk	VERB
gp-286	143	14	dominant	dominant	PROPN
gp-286	143	15	profile	profile	PROPN
gp-286	143	16	area	area	NOUN
gp-286	143	17	concern	concern	NOUN
gp-286	143	18	actual	actual	ADJ
gp-286	143	19	results	result	VERB
gp-286	143	20	a	a	DET
gp-286	143	21	trade	trade	NOUN
gp-286	143	22	70.17	70.17	NUM
gp-286	143	23	keep	keep	VERB
gp-286	143	24	high	high	ADJ
gp-286	143	25	profitability	profitability	NOUN
gp-286	143	26	low	low	ADJ
gp-286	143	27	liquidity	liquidity	NOUN
gp-286	143	28	approved	approve	VERB
gp-286	143	29	b	b	PROPN
gp-286	143	30	manufactory	manufactory	NOUN
gp-286	143	31	85.42	85.42	NUM
gp-286	143	32	low	low	ADJ
gp-286	143	33	balanced	balanced	ADJ
gp-286	143	34	finances	finance	NOUN
gp-286	143	35	sector	sector	NOUN
gp-286	143	36	dependency	dependency	NOUN
gp-286	143	37	approved	approve	VERB
gp-286	143	38	c	c	PROPN
gp-286	143	39	service	service	NOUN
gp-286	143	40	67.33	67.33	NUM
gp-286	143	41	keep	keep	NOUN
gp-286	143	42	track	track	NOUN
gp-286	143	43	record	record	NOUN
gp-286	143	44	baik	baik	PROPN
gp-286	143	45	thin	thin	ADJ
gp-286	143	46	margins	margin	NOUN
gp-286	143	47	approved	approve	VERB
gp-286	143	48	d	d	X
gp-286	143	49	construction	construction	NOUN
gp-286	143	50	45.28	45.28	NUM
gp-286	143	51	tall	tall	ADJ
gp-286	143	52	strong	strong	ADJ
gp-286	143	53	collateral	collateral	NOUN
gp-286	143	54	is	be	AUX
gp-286	143	55	it	it	PRON
gp-286	143	56	volatile	volatile	ADJ
gp-286	143	57	in	in	ADP
gp-286	143	58	the	the	DET
gp-286	143	59	mind	mind	NOUN
gp-286	143	60	?	?	PUNCT
gp-286	144	1	approved	approve	VERB
gp-286	144	2	*	*	PUNCT
gp-286	144	3	e	e	PROPN
gp-286	144	4	health	health	PROPN
gp-286	144	5	88.91	88.91	NUM
gp-286	144	6	low	low	ADJ
gp-286	144	7	defensive	defensive	ADJ
gp-286	144	8	sektor	sektor	NOUN
gp-286	144	9	limited	limit	VERB
gp-286	144	10	growth	growth	NOUN
gp-286	144	11	approved	approve	VERB
gp-286	144	12	f	f	PROPN
gp-286	144	13	trade	trade	NOUN
gp-286	144	14	72.15	72.15	NUM
gp-286	144	15	keep	keep	VERB
gp-286	144	16	good	good	ADJ
gp-286	144	17	liquidity	liquidity	NOUN
gp-286	144	18	fierce	fierce	ADJ
gp-286	144	19	competition	competition	NOUN
gp-286	144	20	approved	approve	VERB
gp-286	144	21	g	g	PROPN
gp-286	144	22	manufactory	manufactory	NOUN
gp-286	144	23	69.44	69.44	NUM
gp-286	144	24	keep	keep	VERB
gp-286	144	25	efficient	efficient	ADJ
gp-286	144	26	operation	operation	NOUN
gp-286	144	27	raw	raw	ADJ
gp-286	144	28	material	material	NOUN
gp-286	144	29	risk	risk	NOUN
gp-286	144	30	approved	approve	VERB
gp-286	144	31	h	h	NOUN
gp-286	144	32	service	service	NOUN
gp-286	144	33	74.82	74.82	NUM
gp-286	144	34	keep	keep	VERB
gp-286	144	35	good	good	ADJ
gp-286	144	36	diversification	diversification	NOUN
gp-286	144	37	client	client	NOUN
gp-286	144	38	concentration	concentration	NOUN
gp-286	144	39	approved	approve	VERB
gp-286	144	40	i	i	PRON
gp-286	144	41	trade	trade	VERB
gp-286	144	42	66.77	66.77	NUM
gp-286	144	43	keep	keep	VERB
gp-286	144	44	market	market	NOUN
gp-286	144	45	position	position	NOUN
gp-286	144	46	seasonal	seasonal	ADJ
gp-286	144	47	business	business	NOUN
gp-286	144	48	approved	approve	VERB
gp-286	144	49	j	j	PROPN
gp-286	144	50	manufactory	manufactory	NOUN
gp-286	144	51	71.39	71.39	NUM
gp-286	144	52	keep	keep	VERB
gp-286	144	53	technology	technology	NOUN
gp-286	144	54	edge	edge	NOUN
gp-286	144	55	high	high	ADJ
gp-286	144	56	capex	capex	NOUN
gp-286	144	57	need	need	NOUN
gp-286	144	58	approved	approve	VERB
gp-286	144	59	k	k	PROPN
gp-286	144	60	service	service	NOUN
gp-286	144	61	68.55	68.55	NUM
gp-286	144	62	keep	keep	VERB
gp-286	144	63	service	service	NOUN
gp-286	144	64	quality	quality	NOUN
gp-286	144	65	labor	labor	NOUN
gp-286	144	66	intensive	intensive	ADJ
gp-286	144	67	approved	approved	ADJ
gp-286	144	68	l	l	NOUN
gp-286	144	69	construction	construction	NOUN
gp-286	144	70	47.91	47.91	NUM
gp-286	144	71	tall	tall	ADJ
gp-286	144	72	project	project	NOUN
gp-286	144	73	pipeline	pipeline	NOUN
gp-286	144	74	payment	payment	NOUN
gp-286	144	75	delay	delay	NOUN
gp-286	144	76	approved	approve	VERB
gp-286	144	77	*	*	PUNCT
gp-286	144	78	m	m	VERB
gp-286	144	79	trade	trade	NOUN
gp-286	144	80	73.66	73.66	NUM
gp-286	144	81	keep	keep	VERB
gp-286	144	82	distribution	distribution	NOUN
gp-286	144	83	network	network	NOUN
gp-286	144	84	inventory	inventory	NOUN
gp-286	144	85	risk	risk	NOUN
gp-286	144	86	approved	approve	VERB
gp-286	144	87	n	n	CCONJ
gp-286	144	88	manufactory	manufactory	NOUN
gp-286	144	89	70.88	70.88	NUM
gp-286	144	90	keep	keep	VERB
gp-286	144	91	export	export	NOUN
gp-286	144	92	orientation	orientation	NOUN
gp-286	144	93	currency	currency	NOUN
gp-286	144	94	exposure	exposure	NOUN
gp-286	144	95	approved	approve	VERB
gp-286	144	96	or	or	CCONJ
gp-286	144	97	service	service	NOUN
gp-286	144	98	69.12	69.12	NUM
gp-286	144	99	keep	keep	VERB
gp-286	144	100	recurring	recur	VERB
gp-286	144	101	revenue	revenue	NOUN
gp-286	144	102	regulation	regulation	NOUN
gp-286	144	103	risk	risk	NOUN
gp-286	144	104	approved	approve	VERB
gp-286	144	105	p	p	NOUN
gp-286	144	106	trade	trade	NOUN
gp-286	144	107	75.23	75.23	NUM
gp-286	144	108	keep	keep	VERB
gp-286	144	109	brand	brand	NOUN
gp-286	144	110	strength	strength	NOUN
gp-286	144	111	supply	supply	NOUN
gp-286	144	112	chain	chain	NOUN
gp-286	144	113	risk	risk	NOUN
gp-286	144	114	approved	approve	VERB
gp-286	144	115	q	q	PROPN
gp-286	144	116	health	health	NOUN
gp-286	144	117	76.45	76.45	NUM
gp-286	144	118	keep	keep	VERB
gp-286	144	119	essential	essential	ADJ
gp-286	144	120	service	service	NOUN
gp-286	144	121	equipment	equipment	NOUN
gp-286	144	122	cost	cost	NOUN
gp-286	144	123	approved	approve	VERB
gp-286	144	124	*	*	PUNCT
gp-286	144	125	approved	approve	VERB
gp-286	144	126	with	with	ADP
gp-286	144	127	special	special	ADJ
gp-286	144	128	conditions	condition	NOUN
gp-286	144	129	and	and	CCONJ
gp-286	144	130	strict	strict	ADJ
gp-286	144	131	monitoring	monitoring	NOUN
gp-286	144	132	table	table	NOUN
gp-286	144	133	4	4	NUM
gp-286	144	134	.	.	PUNCT
gp-286	144	135	risk	risk	NOUN
gp-286	144	136	profile	profile	NOUN
gp-286	144	137	distribution	distribution	NOUN
gp-286	144	138	and	and	CCONJ
gp-286	144	139	characteristics	characteristic	NOUN
gp-286	144	140	category	category	NOUN
gp-286	144	141	risk	risk	NOUN
gp-286	144	142	range	range	NOUN
gp-286	144	143	score	score	NOUN
gp-286	144	144	sum	sum	NOUN
gp-286	144	145	percentage	percentage	NOUN
gp-286	144	146	key	key	ADJ
gp-286	144	147	characteristics	characteristic	NOUN
gp-286	144	148	bri	bri	PROPN
gp-286	144	149	treatment	treatment	NOUN
gp-286	144	150	low	low	ADJ
gp-286	144	151	80	80	NUM
gp-286	144	152	-	-	SYM
gp-286	144	153	100	100	NUM
gp-286	144	154	2	2	NUM
gp-286	144	155	11.8	11.8	NUM
gp-286	144	156	%	%	NOUN
gp-286	144	157	excellent	excellent	ADJ
gp-286	144	158	finance	finance	NOUN
gp-286	144	159	,	,	PUNCT
gp-286	144	160	defensive	defensive	ADJ
gp-286	144	161	sector	sector	NOUN
gp-286	144	162	standard	standard	ADJ
gp-286	144	163	terms	term	NOUN
gp-286	144	164	,	,	PUNCT
gp-286	144	165	competitive	competitive	ADJ
gp-286	144	166	rates	rate	NOUN
gp-286	144	167	keep	keep	VERB
gp-286	144	168	60	60	NUM
gp-286	144	169	-	-	SYM
gp-286	144	170	79	79	NUM
gp-286	144	171	13	13	NUM
gp-286	144	172	76.5	76.5	NUM
gp-286	144	173	%	%	NOUN
gp-286	144	174	adequate	adequate	ADJ
gp-286	144	175	finances	finance	NOUN
gp-286	144	176	,	,	PUNCT
gp-286	144	177	there	there	PRON
gp-286	144	178	are	be	VERB
gp-286	144	179	areas	area	NOUN
gp-286	144	180	for	for	ADP
gp-286	144	181	improvement	improvement	NOUN
gp-286	144	182	strict	strict	ADJ
gp-286	144	183	requirements	requirement	NOUN
gp-286	144	184	,	,	PUNCT
gp-286	144	185	regular	regular	ADJ
gp-286	144	186	monitoring	monitoring	NOUN
gp-286	144	187	tall	tall	ADJ
gp-286	144	188	40	40	NUM
gp-286	144	189	-	-	SYM
gp-286	144	190	59	59	NUM
gp-286	144	191	2	2	NUM
gp-286	144	192	11.8	11.8	NUM
gp-286	144	193	%	%	NOUN
gp-286	144	194	marginal	marginal	ADJ
gp-286	144	195	finance	finance	NOUN
gp-286	144	196	,	,	PUNCT
gp-286	144	197	specific	specific	ADJ
gp-286	144	198	risks	risk	NOUN
gp-286	144	199	in	in	ADP
gp-286	144	200	-	-	PUNCT
gp-286	144	201	depth	depth	NOUN
gp-286	144	202	review	review	NOUN
gp-286	144	203	,	,	PUNCT
gp-286	144	204	special	special	ADJ
gp-286	144	205	requirements	requirement	NOUN
gp-286	144	206	analysis	analysis	NOUN
gp-286	144	207	of	of	ADP
gp-286	144	208	financial	financial	ADJ
gp-286	144	209	performance	performance	NOUN
gp-286	144	210	characteristics	characteristic	NOUN
gp-286	144	211	,	,	PUNCT
gp-286	144	212	collateral	collateral	ADJ
gp-286	144	213	assessment	assessment	NOUN
gp-286	144	214	and	and	CCONJ
gp-286	144	215	business	business	NOUN
gp-286	144	216	type	type	NOUN
gp-286	144	217	in	in	ADP
gp-286	144	218	the	the	DET
gp-286	144	219	decision	decision	NOUN
gp-286	144	220	to	to	PART
gp-286	144	221	provide	provide	VERB
gp-286	144	222	medium	medium	ADJ
gp-286	144	223	credit	credit	NOUN
gp-286	144	224	facilities	facility	NOUN
gp-286	144	225	at	at	ADP
gp-286	144	226	bri	bri	PROPN
gp-286	144	227	denpasar	denpasar	NOUN
gp-286	144	228	using	use	VERB
gp-286	144	229	the	the	DET
gp-286	144	230	analytical	analytical	ADJ
gp-286	144	231	hierarchy	hierarchy	NOUN
gp-286	144	232	process	process	NOUN
gp-286	144	233	method	method	VERB
gp-286	144	234	1234	1234	NUM
gp-286	144	235	this	this	DET
gp-286	144	236	distribution	distribution	NOUN
gp-286	144	237	is	be	AUX
gp-286	144	238	very	very	ADV
gp-286	144	239	realistic	realistic	ADJ
gp-286	144	240	and	and	CCONJ
gp-286	144	241	reflects	reflect	VERB
gp-286	144	242	actual	actual	ADJ
gp-286	144	243	banking	banking	NOUN
gp-286	144	244	practices	practice	NOUN
gp-286	144	245	where	where	SCONJ
gp-286	144	246	the	the	DET
gp-286	144	247	majority	majority	NOUN
gp-286	144	248	of	of	ADP
gp-286	144	249	approved	approve	VERB
gp-286	144	250	loans	loan	NOUN
gp-286	144	251	(	(	PUNCT
gp-286	144	252	76.5	76.5	NUM
gp-286	144	253	%	%	NOUN
gp-286	144	254	)	)	PUNCT
gp-286	144	255	are	be	AUX
gp-286	144	256	in	in	ADP
gp-286	144	257	the	the	DET
gp-286	144	258	moderate	moderate	ADJ
gp-286	144	259	risk	risk	NOUN
gp-286	144	260	category	category	NOUN
gp-286	144	261	that	that	PRON
gp-286	144	262	requires	require	VERB
gp-286	144	263	active	active	ADJ
gp-286	144	264	risk	risk	NOUN
gp-286	144	265	management	management	NOUN
gp-286	144	266	.	.	PUNCT
gp-286	145	1	only	only	ADV
gp-286	145	2	a	a	DET
gp-286	145	3	small	small	ADJ
gp-286	145	4	percentage	percentage	NOUN
gp-286	145	5	(	(	PUNCT
gp-286	145	6	11.8	11.8	NUM
gp-286	145	7	%	%	NOUN
gp-286	145	8	)	)	PUNCT
gp-286	145	9	are	be	AUX
gp-286	145	10	truly	truly	ADV
gp-286	145	11	low	low	ADJ
gp-286	145	12	risk	risk	NOUN
gp-286	145	13	and	and	CCONJ
gp-286	145	14	can	can	AUX
gp-286	145	15	be	be	AUX
gp-286	145	16	given	give	VERB
gp-286	145	17	with	with	ADP
gp-286	145	18	minimal	minimal	ADJ
gp-286	145	19	conditions	condition	NOUN
gp-286	145	20	.	.	PUNCT
gp-286	146	1	ahp	ahp	PROPN
gp-286	146	2	hierarchical	hierarchical	ADJ
gp-286	146	3	structure	structure	NOUN
gp-286	146	4	and	and	CCONJ
gp-286	146	5	data	datum	NOUN
gp-286	146	6	collection	collection	NOUN
gp-286	146	7	the	the	DET
gp-286	146	8	hierarchical	hierarchical	ADJ
gp-286	146	9	structure	structure	NOUN
gp-286	146	10	of	of	ADP
gp-286	146	11	the	the	DET
gp-286	146	12	ahp	ahp	NOUN
gp-286	146	13	is	be	AUX
gp-286	146	14	structured	structure	VERB
gp-286	146	15	based	base	VERB
gp-286	146	16	on	on	ADP
gp-286	146	17	the	the	DET
gp-286	146	18	adaptation	adaptation	NOUN
gp-286	146	19	of	of	ADP
gp-286	146	20	the	the	DET
gp-286	146	21	5c	5c	NUM
gp-286	146	22	principle	principle	NOUN
gp-286	146	23	with	with	ADP
gp-286	146	24	groupings	grouping	NOUN
gp-286	146	25	optimized	optimize	VERB
gp-286	146	26	for	for	ADP
gp-286	146	27	the	the	DET
gp-286	146	28	complexity	complexity	NOUN
gp-286	146	29	of	of	ADP
gp-286	146	30	the	the	DET
gp-286	146	31	model	model	NOUN
gp-286	146	32	.	.	PUNCT
gp-286	147	1	level	level	NOUN
gp-286	147	2	1	1	NUM
gp-286	147	3	(	(	PUNCT
gp-286	147	4	objective	objective	NOUN
gp-286	147	5	)	)	PUNCT
gp-286	147	6	is	be	AUX
gp-286	147	7	the	the	DET
gp-286	147	8	decision	decision	NOUN
gp-286	147	9	to	to	PART
gp-286	147	10	provide	provide	VERB
gp-286	147	11	medium	medium	ADJ
gp-286	147	12	credit	credit	NOUN
gp-286	147	13	facility	facility	NOUN
gp-286	147	14	which	which	PRON
gp-286	147	15	represents	represent	VERB
gp-286	147	16	the	the	DET
gp-286	147	17	final	final	ADJ
gp-286	147	18	objective	objective	NOUN
gp-286	147	19	of	of	ADP
gp-286	147	20	the	the	DET
gp-286	147	21	entire	entire	ADJ
gp-286	147	22	assessment	assessment	NOUN
gp-286	147	23	process	process	NOUN
gp-286	147	24	.	.	PUNCT
gp-286	148	1	level	level	NOUN
gp-286	148	2	2	2	NUM
gp-286	148	3	(	(	PUNCT
gp-286	148	4	key	key	ADJ
gp-286	148	5	criteria	criterion	NOUN
gp-286	148	6	)	)	PUNCT
gp-286	148	7	consists	consist	VERB
gp-286	148	8	of	of	ADP
gp-286	148	9	three	three	NUM
gp-286	148	10	criteria	criterion	NOUN
gp-286	148	11	that	that	PRON
gp-286	148	12	consolidate	consolidate	VERB
gp-286	148	13	the	the	DET
gp-286	148	14	5c	5c	NUM
gp-286	148	15	principles	principle	NOUN
gp-286	148	16	:	:	PUNCT
gp-286	148	17	financial	financial	ADJ
gp-286	148	18	performance	performance	NOUN
gp-286	148	19	(	(	PUNCT
gp-286	148	20	c1	c1	PROPN
gp-286	148	21	)	)	PUNCT
gp-286	148	22	which	which	PRON
gp-286	148	23	represents	represent	VERB
gp-286	148	24	the	the	DET
gp-286	148	25	capacity	capacity	NOUN
gp-286	148	26	aspect	aspect	NOUN
gp-286	148	27	,	,	PUNCT
gp-286	148	28	collateral	collateral	ADJ
gp-286	148	29	assessment	assessment	NOUN
gp-286	148	30	(	(	PUNCT
gp-286	148	31	c2	c2	PROPN
gp-286	148	32	)	)	PUNCT
gp-286	148	33	which	which	PRON
gp-286	148	34	represents	represent	VERB
gp-286	148	35	collateral	collateral	NOUN
gp-286	148	36	,	,	PUNCT
gp-286	148	37	and	and	CCONJ
gp-286	148	38	business	business	NOUN
gp-286	148	39	type	type	NOUN
gp-286	148	40	(	(	PUNCT
gp-286	148	41	c3	c3	PROPN
gp-286	148	42	)	)	PUNCT
gp-286	148	43	which	which	PRON
gp-286	148	44	integrates	integrate	VERB
gp-286	148	45	character	character	NOUN
gp-286	148	46	and	and	CCONJ
gp-286	148	47	condition	condition	NOUN
gp-286	148	48	to	to	PART
gp-286	148	49	simplify	simplify	VERB
gp-286	148	50	the	the	DET
gp-286	148	51	complexity	complexity	NOUN
gp-286	148	52	of	of	ADP
gp-286	148	53	the	the	DET
gp-286	148	54	hierarchy	hierarchy	NOUN
gp-286	148	55	while	while	SCONJ
gp-286	148	56	maintaining	maintain	VERB
gp-286	148	57	the	the	DET
gp-286	148	58	essence	essence	NOUN
gp-286	148	59	of	of	ADP
gp-286	148	60	risk	risk	NOUN
gp-286	148	61	evaluation	evaluation	NOUN
gp-286	148	62	.	.	PUNCT
gp-286	149	1	level	level	NOUN
gp-286	149	2	3	3	NUM
gp-286	149	3	(	(	PUNCT
gp-286	149	4	sub	sub	NOUN
gp-286	149	5	-	-	NOUN
gp-286	149	6	criteria	criterion	NOUN
gp-286	149	7	)	)	PUNCT
gp-286	149	8	is	be	AUX
gp-286	149	9	developed	develop	VERB
gp-286	149	10	based	base	VERB
gp-286	149	11	on	on	ADP
gp-286	149	12	comprehensive	comprehensive	ADJ
gp-286	149	13	literature	literature	NOUN
gp-286	149	14	review	review	NOUN
gp-286	149	15	and	and	CCONJ
gp-286	149	16	practitioner	practitioner	NOUN
gp-286	149	17	validation	validation	NOUN
gp-286	149	18	.	.	PUNCT
gp-286	150	1	for	for	ADP
gp-286	150	2	financial	financial	ADJ
gp-286	150	3	performance	performance	NOUN
gp-286	150	4	,	,	PUNCT
gp-286	150	5	the	the	PRON
gp-286	150	6	sub	sub	NOUN
gp-286	150	7	-	-	NOUN
gp-286	150	8	criteria	criterion	NOUN
gp-286	150	9	include	include	VERB
gp-286	150	10	liquidity	liquidity	NOUN
gp-286	150	11	ratio	ratio	NOUN
gp-286	150	12	(	(	PUNCT
gp-286	150	13	c1.1	c1.1	PROPN
gp-286	150	14	)	)	PUNCT
gp-286	150	15	which	which	PRON
gp-286	150	16	measures	measure	VERB
gp-286	150	17	short	short	ADJ
gp-286	150	18	-	-	PUNCT
gp-286	150	19	term	term	NOUN
gp-286	150	20	payability	payability	NOUN
gp-286	150	21	,	,	PUNCT
gp-286	150	22	solvency	solvency	NOUN
gp-286	150	23	ratio	ratio	NOUN
gp-286	150	24	(	(	PUNCT
gp-286	150	25	c1.2	c1.2	PROPN
gp-286	150	26	)	)	PUNCT
gp-286	150	27	which	which	PRON
gp-286	150	28	assesses	assess	VERB
gp-286	150	29	capital	capital	NOUN
gp-286	150	30	structure	structure	NOUN
gp-286	150	31	and	and	CCONJ
gp-286	150	32	long	long	ADJ
gp-286	150	33	-	-	PUNCT
gp-286	150	34	term	term	NOUN
gp-286	150	35	payability	payability	NOUN
gp-286	150	36	,	,	PUNCT
gp-286	150	37	and	and	CCONJ
gp-286	150	38	profitability	profitability	NOUN
gp-286	150	39	ratio	ratio	NOUN
gp-286	150	40	(	(	PUNCT
gp-286	150	41	c1.3	c1.3	PROPN
gp-286	150	42	)	)	PUNCT
gp-286	150	43	which	which	PRON
gp-286	150	44	measures	measure	VERB
gp-286	150	45	profitability	profitability	NOUN
gp-286	150	46	.	.	PUNCT
gp-286	151	1	for	for	ADP
gp-286	151	2	collateral	collateral	ADJ
gp-286	151	3	valuation	valuation	NOUN
gp-286	151	4	,	,	PUNCT
gp-286	151	5	sub	sub	NOUN
gp-286	151	6	-	-	NOUN
gp-286	151	7	criteria	criterion	NOUN
gp-286	151	8	include	include	VERB
gp-286	151	9	collateral	collateral	ADJ
gp-286	151	10	value	value	NOUN
gp-286	151	11	(	(	PUNCT
gp-286	151	12	c2.1	c2.1	NOUN
gp-286	151	13	)	)	PUNCT
gp-286	151	14	which	which	PRON
gp-286	151	15	focuses	focus	VERB
gp-286	151	16	on	on	ADP
gp-286	151	17	adequacy	adequacy	NOUN
gp-286	151	18	and	and	CCONJ
gp-286	151	19	physical	physical	ADJ
gp-286	151	20	collateral	collateral	NOUN
gp-286	151	21	(	(	PUNCT
gp-286	151	22	c2.2	c2.2	PROPN
gp-286	151	23	)	)	PUNCT
gp-286	151	24	which	which	PRON
gp-286	151	25	assesses	assess	VERB
gp-286	151	26	marketability	marketability	NOUN
gp-286	151	27	.	.	PUNCT
gp-286	152	1	for	for	ADP
gp-286	152	2	business	business	NOUN
gp-286	152	3	type	type	NOUN
gp-286	152	4	,	,	PUNCT
gp-286	152	5	sub	sub	NOUN
gp-286	152	6	-	-	NOUN
gp-286	152	7	criteria	criterion	NOUN
gp-286	152	8	include	include	VERB
gp-286	152	9	business	business	NOUN
gp-286	152	10	sector	sector	NOUN
gp-286	152	11	(	(	PUNCT
gp-286	152	12	c3.1	c3.1	PROPN
gp-286	152	13	)	)	PUNCT
gp-286	152	14	which	which	PRON
gp-286	152	15	assesses	assess	VERB
gp-286	152	16	industry	industry	NOUN
gp-286	152	17	conditions	condition	NOUN
gp-286	152	18	and	and	CCONJ
gp-286	152	19	business	business	NOUN
gp-286	152	20	history	history	NOUN
gp-286	152	21	(	(	PUNCT
gp-286	152	22	c3.2	c3.2	PROPN
gp-286	152	23	)	)	PUNCT
gp-286	152	24	which	which	PRON
gp-286	152	25	assesses	assess	VERB
gp-286	152	26	track	track	NOUN
gp-286	152	27	record	record	NOUN
gp-286	152	28	and	and	CCONJ
gp-286	152	29	character	character	NOUN
gp-286	152	30	.	.	PUNCT
gp-286	153	1	data	datum	NOUN
gp-286	153	2	collection	collection	NOUN
gp-286	153	3	and	and	CCONJ
gp-286	153	4	aggregation	aggregation	NOUN
gp-286	153	5	methodology	methodology	NOUN
gp-286	153	6	data	datum	NOUN
gp-286	153	7	were	be	AUX
gp-286	153	8	collected	collect	VERB
gp-286	153	9	through	through	ADP
gp-286	153	10	a	a	DET
gp-286	153	11	structured	structured	ADJ
gp-286	153	12	questionnaire	questionnaire	NOUN
gp-286	153	13	containing	contain	VERB
gp-286	153	14	paired	pair	VERB
gp-286	153	15	comparisons	comparison	NOUN
gp-286	153	16	using	use	VERB
gp-286	153	17	a	a	DET
gp-286	153	18	saaty	saaty	NOUN
gp-286	153	19	scale	scale	NOUN
gp-286	153	20	of	of	ADP
gp-286	153	21	1	1	NUM
gp-286	153	22	-	-	SYM
gp-286	153	23	9	9	NUM
gp-286	153	24	.	.	PUNCT
gp-286	154	1	each	each	DET
gp-286	154	2	respondent	respondent	NOUN
gp-286	154	3	was	be	AUX
gp-286	154	4	given	give	VERB
gp-286	154	5	a	a	DET
gp-286	154	6	45	45	NUM
gp-286	154	7	-	-	PUNCT
gp-286	154	8	minute	minute	NOUN
gp-286	154	9	briefing	briefing	NOUN
gp-286	154	10	on	on	ADP
gp-286	154	11	the	the	DET
gp-286	154	12	ahp	ahp	NOUN
gp-286	154	13	methodology	methodology	NOUN
gp-286	154	14	and	and	CCONJ
gp-286	154	15	operational	operational	ADJ
gp-286	154	16	definition	definition	NOUN
gp-286	154	17	of	of	ADP
gp-286	154	18	each	each	DET
gp-286	154	19	criterion	criterion	NOUN
gp-286	154	20	to	to	PART
gp-286	154	21	ensure	ensure	VERB
gp-286	154	22	consistency	consistency	NOUN
gp-286	154	23	of	of	ADP
gp-286	154	24	understanding	understanding	NOUN
gp-286	154	25	.	.	PUNCT
gp-286	155	1	the	the	DET
gp-286	155	2	data	data	NOUN
gp-286	155	3	collection	collection	NOUN
gp-286	155	4	process	process	NOUN
gp-286	155	5	was	be	AUX
gp-286	155	6	carried	carry	VERB
gp-286	155	7	out	out	ADP
gp-286	155	8	in	in	ADP
gp-286	155	9	3	3	NUM
gp-286	155	10	stages	stage	NOUN
gp-286	155	11	:	:	PUNCT
gp-286	155	12	the	the	DET
gp-286	155	13	first	first	ADJ
gp-286	155	14	stage	stage	NOUN
gp-286	155	15	involved	involve	VERB
gp-286	155	16	8	8	NUM
gp-286	155	17	senior	senior	ADJ
gp-286	155	18	respondents	respondent	NOUN
gp-286	155	19	(	(	PUNCT
gp-286	155	20	experience	experience	NOUN
gp-286	155	21	>	>	SYM
gp-286	155	22	10	10	NUM
gp-286	155	23	years	year	NOUN
gp-286	155	24	)	)	PUNCT
gp-286	155	25	for	for	ADP
gp-286	155	26	the	the	DET
gp-286	155	27	initial	initial	ADJ
gp-286	155	28	validation	validation	NOUN
gp-286	155	29	of	of	ADP
gp-286	155	30	the	the	DET
gp-286	155	31	hierarchical	hierarchical	ADJ
gp-286	155	32	structure	structure	NOUN
gp-286	155	33	,	,	PUNCT
gp-286	155	34	the	the	DET
gp-286	155	35	second	second	ADJ
gp-286	155	36	stage	stage	NOUN
gp-286	155	37	involved	involve	VERB
gp-286	155	38	25	25	NUM
gp-286	155	39	complete	complete	ADJ
gp-286	155	40	respondents	respondent	NOUN
gp-286	155	41	for	for	ADP
gp-286	155	42	the	the	DET
gp-286	155	43	main	main	ADJ
gp-286	155	44	data	datum	NOUN
gp-286	155	45	,	,	PUNCT
gp-286	155	46	and	and	CCONJ
gp-286	155	47	the	the	DET
gp-286	155	48	third	third	ADJ
gp-286	155	49	stage	stage	NOUN
gp-286	155	50	involved	involve	VERB
gp-286	155	51	5	5	NUM
gp-286	155	52	expert	expert	NOUN
gp-286	155	53	respondents	respondent	NOUN
gp-286	155	54	for	for	ADP
gp-286	155	55	validation	validation	NOUN
gp-286	155	56	of	of	ADP
gp-286	155	57	the	the	DET
gp-286	155	58	results	result	NOUN
gp-286	155	59	.	.	PUNCT
gp-286	156	1	the	the	DET
gp-286	156	2	aggregation	aggregation	NOUN
gp-286	156	3	uses	use	VERB
gp-286	156	4	geometric	geometric	ADJ
gp-286	156	5	mean	mean	NOUN
gp-286	156	6	as	as	SCONJ
gp-286	156	7	recommended	recommend	VERB
gp-286	156	8	by	by	ADP
gp-286	156	9	mu	mu	PROPN
gp-286	156	10	&	&	CCONJ
gp-286	156	11	pereyra	pereyra	PROPN
gp-286	156	12	-	-	PUNCT
gp-286	156	13	rojas	rojas	PROPN
gp-286	156	14	(	(	PUNCT
gp-286	156	15	2022	2022	NUM
gp-286	156	16	)	)	PUNCT
gp-286	156	17	for	for	ADP
gp-286	156	18	group	group	NOUN
gp-286	156	19	decision	decision	NOUN
gp-286	156	20	making	making	NOUN
gp-286	156	21	.	.	PUNCT
gp-286	157	1	the	the	DET
gp-286	157	2	geometric	geometric	ADJ
gp-286	157	3	mean	mean	NOUN
gp-286	157	4	formula	formula	NOUN
gp-286	157	5	used	use	VERB
gp-286	157	6	:	:	PUNCT
gp-286	157	7	gm	gm	PROPN
gp-286	157	8	=	=	PUNCT
gp-286	157	9	(	(	PUNCT
gp-286	157	10	a1	a1	PROPN
gp-286	157	11	×	×	PROPN
gp-286	157	12	a2	a2	PROPN
gp-286	157	13	×	×	NOUN
gp-286	157	14	...	...	PUNCT
gp-286	157	15	×	×	NOUN
gp-286	157	16	an)^(1	an)^(1	NOUN
gp-286	157	17	/	/	SYM
gp-286	157	18	n	n	CCONJ
gp-286	157	19	)	)	PUNCT
gp-286	157	20	where	where	SCONJ
gp-286	157	21	a1	a1	NOUN
gp-286	157	22	,	,	PUNCT
gp-286	157	23	a2	a2	PROPN
gp-286	157	24	,	,	PUNCT
gp-286	157	25	...	...	PUNCT
gp-286	157	26	,	,	PUNCT
gp-286	157	27	an	an	PRON
gp-286	157	28	is	be	AUX
gp-286	157	29	the	the	DET
gp-286	157	30	individual	individual	ADJ
gp-286	157	31	assessment	assessment	NOUN
gp-286	157	32	of	of	ADP
gp-286	157	33	n	n	DET
gp-286	157	34	respondents	respondent	NOUN
gp-286	157	35	.	.	PUNCT
gp-286	158	1	this	this	DET
gp-286	158	2	method	method	NOUN
gp-286	158	3	was	be	AUX
gp-286	158	4	chosen	choose	VERB
gp-286	158	5	because	because	SCONJ
gp-286	158	6	it	it	PRON
gp-286	158	7	is	be	AUX
gp-286	158	8	more	more	ADV
gp-286	158	9	robust	robust	ADJ
gp-286	158	10	against	against	ADP
gp-286	158	11	outliers	outlier	NOUN
gp-286	158	12	than	than	ADP
gp-286	158	13	arithmetic	arithmetic	ADJ
gp-286	158	14	mean	mean	NOUN
gp-286	158	15	and	and	CCONJ
gp-286	158	16	maintains	maintain	VERB
gp-286	158	17	the	the	DET
gp-286	158	18	reciprocal	reciprocal	ADJ
gp-286	158	19	property	property	NOUN
gp-286	158	20	that	that	PRON
gp-286	158	21	is	be	AUX
gp-286	158	22	essential	essential	ADJ
gp-286	158	23	in	in	ADP
gp-286	158	24	ahp	ahp	PROPN
gp-286	158	25	.	.	PROPN
gp-286	158	26	table	table	PROPN
gp-286	159	1	5	5	NUM
gp-286	159	2	.	.	PUNCT
gp-286	159	3	comprehensive	comprehensive	ADJ
gp-286	159	4	geometric	geometric	ADJ
gp-286	159	5	mean	mean	NOUN
gp-286	159	6	results	result	NOUN
gp-286	159	7	per	per	ADP
gp-286	159	8	comparison	comparison	NOUN
gp-286	159	9	category	category	NOUN
gp-286	159	10	level	level	NOUN
gp-286	159	11	comparison	comparison	NOUN
gp-286	159	12	geometric	geometric	ADJ
gp-286	159	13	mean	mean	NOUN
gp-286	159	14	std	std	NOUN
gp-286	159	15	deviation	deviation	NOUN
gp-286	159	16	min	min	PROPN
gp-286	159	17	max	max	PROPN
gp-286	159	18	interpretasi	interpretasi	PROPN
gp-286	159	19	2	2	NUM
gp-286	159	20	c1	c1	PROPN
gp-286	159	21	vs	vs	ADP
gp-286	159	22	c2	c2	PROPN
gp-286	159	23	2.677	2.677	NUM
gp-286	159	24	0.834	0.834	NUM
gp-286	159	25	1.5	1.5	NUM
gp-286	159	26	4.2	4.2	NUM
gp-286	159	27	c1	c1	NOUN
gp-286	159	28	is	be	AUX
gp-286	159	29	significantly	significantly	ADV
gp-286	159	30	more	more	ADV
gp-286	159	31	important	important	ADJ
gp-286	159	32	2	2	NUM
gp-286	159	33	c1	c1	NOUN
gp-286	159	34	vs	vs	ADP
gp-286	159	35	c3	c3	PROPN
gp-286	159	36	2.149	2.149	NUM
gp-286	159	37	0.672	0.672	NUM
gp-286	159	38	1.3	1.3	NUM
gp-286	159	39	3.8	3.8	NUM
gp-286	159	40	c1	c1	NOUN
gp-286	159	41	is	be	AUX
gp-286	159	42	more	more	ADV
gp-286	159	43	important	important	ADJ
gp-286	159	44	2	2	NUM
gp-286	159	45	c2	c2	PROPN
gp-286	159	46	vs	vs	ADP
gp-286	159	47	c3	c3	PROPN
gp-286	159	48	1.259	1.259	NUM
gp-286	159	49	0.445	0.445	NUM
gp-286	159	50	0.8	0.8	NUM
gp-286	159	51	2.1	2.1	NUM
gp-286	159	52	c2	c2	PROPN
gp-286	159	53	is	be	AUX
gp-286	159	54	a	a	DET
gp-286	159	55	little	little	ADV
gp-286	159	56	more	more	ADV
gp-286	159	57	important	important	ADJ
gp-286	159	58	analysis	analysis	NOUN
gp-286	159	59	of	of	ADP
gp-286	159	60	financial	financial	ADJ
gp-286	159	61	performance	performance	NOUN
gp-286	159	62	characteristics	characteristic	NOUN
gp-286	159	63	,	,	PUNCT
gp-286	159	64	collateral	collateral	ADJ
gp-286	159	65	assessment	assessment	NOUN
gp-286	159	66	and	and	CCONJ
gp-286	159	67	business	business	NOUN
gp-286	159	68	type	type	NOUN
gp-286	159	69	in	in	ADP
gp-286	159	70	the	the	DET
gp-286	159	71	decision	decision	NOUN
gp-286	159	72	to	to	PART
gp-286	159	73	provide	provide	VERB
gp-286	159	74	medium	medium	ADJ
gp-286	159	75	credit	credit	NOUN
gp-286	159	76	facilities	facility	NOUN
gp-286	159	77	at	at	ADP
gp-286	159	78	bri	bri	PROPN
gp-286	159	79	denpasar	denpasar	NOUN
gp-286	159	80	using	use	VERB
gp-286	159	81	the	the	DET
gp-286	159	82	analytical	analytical	ADJ
gp-286	159	83	hierarchy	hierarchy	NOUN
gp-286	159	84	process	process	NOUN
gp-286	159	85	method	method	NOUN
gp-286	159	86	1235	1235	NUM
gp-286	159	87	3a	3a	NUM
gp-286	159	88	c1.1	c1.1	PROPN
gp-286	159	89	vs	vs	ADP
gp-286	159	90	c1.2	c1.2	NOUN
gp-286	159	91	2.469	2.469	NUM
gp-286	159	92	0.756	0.756	NUM
gp-286	159	93	1.6	1.6	NUM
gp-286	159	94	4.0	4.0	NUM
gp-286	159	95	c1.1	c1.1	NOUN
gp-286	159	96	is	be	AUX
gp-286	159	97	significantly	significantly	ADV
gp-286	159	98	more	more	ADV
gp-286	159	99	important	important	ADJ
gp-286	159	100	3a	3a	NUM
gp-286	159	101	c1.1	c1.1	PROPN
gp-286	159	102	vs	vs	ADP
gp-286	159	103	c1.3	c1.3	PROPN
gp-286	159	104	1.021	1.021	NUM
gp-286	159	105	0.334	0.334	NUM
gp-286	159	106	0.7	0.7	NUM
gp-286	159	107	1.5	1.5	NUM
gp-286	159	108	c1.1	c1.1	NOUN
gp-286	159	109	is	be	AUX
gp-286	159	110	a	a	DET
gp-286	159	111	little	little	ADV
gp-286	159	112	more	more	ADV
gp-286	159	113	important	important	ADJ
gp-286	159	114	3a	3a	NUM
gp-286	159	115	c1.2	c1.2	NOUN
gp-286	159	116	vs	vs	ADP
gp-286	159	117	c1.3	c1.3	PROPN
gp-286	159	118	0.853	0.853	NUM
gp-286	159	119	0.298	0.298	NUM
gp-286	159	120	0.5	0.5	NUM
gp-286	159	121	1.3	1.3	NUM
gp-286	159	122	c1.3	c1.3	PROPN
gp-286	159	123	is	be	AUX
gp-286	159	124	a	a	DET
gp-286	159	125	little	little	ADV
gp-286	159	126	more	more	ADV
gp-286	159	127	important	important	ADJ
gp-286	159	128	3b	3b	NOUN
gp-286	159	129	c2.1	c2.1	NOUN
gp-286	159	130	vs	vs	ADP
gp-286	159	131	c2.2	c2.2	NOUN
gp-286	159	132	1.115	1.115	NUM
gp-286	159	133	0.289	0.289	NUM
gp-286	159	134	0.8	0.8	NUM
gp-286	159	135	1.6	1.6	NUM
gp-286	159	136	c2.1	c2.1	NUM
gp-286	159	137	is	be	AUX
gp-286	159	138	a	a	DET
gp-286	159	139	little	little	ADV
gp-286	159	140	more	more	ADV
gp-286	159	141	important	important	ADJ
gp-286	159	142	3c	3c	NUM
gp-286	159	143	c3.1	c3.1	NOUN
gp-286	159	144	vs	vs	ADP
gp-286	159	145	c3.2	c3.2	PROPN
gp-286	159	146	0.830	0.830	NUM
gp-286	159	147	0.267	0.267	NUM
gp-286	159	148	0.5	0.5	NUM
gp-286	159	149	1.2	1.2	NUM
gp-286	159	150	c3.2	c3.2	PROPN
gp-286	159	151	is	be	AUX
gp-286	159	152	a	a	DET
gp-286	159	153	little	little	ADV
gp-286	159	154	more	more	ADV
gp-286	159	155	important	important	ADJ
gp-286	159	156	the	the	DET
gp-286	159	157	relatively	relatively	ADV
gp-286	159	158	low	low	ADJ
gp-286	159	159	standard	standard	ADJ
gp-286	159	160	deviation	deviation	NOUN
gp-286	159	161	(	(	PUNCT
gp-286	159	162	0.267	0.267	NUM
gp-286	159	163	-	-	PUNCT
gp-286	159	164	0.834	0.834	NUM
gp-286	159	165	)	)	PUNCT
gp-286	159	166	indicates	indicate	VERB
gp-286	159	167	a	a	DET
gp-286	159	168	good	good	ADJ
gp-286	159	169	consensus	consensus	NOUN
gp-286	159	170	among	among	ADP
gp-286	159	171	respondents	respondent	NOUN
gp-286	159	172	.	.	PUNCT
gp-286	160	1	a	a	DET
gp-286	160	2	less	less	ADV
gp-286	160	3	extreme	extreme	ADJ
gp-286	160	4	min	min	ADJ
gp-286	160	5	-	-	ADJ
gp-286	160	6	max	max	ADJ
gp-286	160	7	range	range	NOUN
gp-286	160	8	indicates	indicate	VERB
gp-286	160	9	no	no	DET
gp-286	160	10	significant	significant	ADJ
gp-286	160	11	outliers	outlier	NOUN
gp-286	160	12	that	that	PRON
gp-286	160	13	could	could	AUX
gp-286	160	14	affect	affect	VERB
gp-286	160	15	the	the	DET
gp-286	160	16	validity	validity	NOUN
gp-286	160	17	of	of	ADP
gp-286	160	18	the	the	DET
gp-286	160	19	results	result	NOUN
gp-286	160	20	.	.	PUNCT
gp-286	161	1	level	level	NOUN
gp-286	161	2	2	2	NUM
gp-286	161	3	manual	manual	NOUN
gp-286	161	4	ahp	ahp	NOUN
gp-286	161	5	analysis	analysis	NOUN
gp-286	161	6	key	key	ADJ
gp-286	161	7	criteria	criterion	NOUN
gp-286	161	8	formation	formation	NOUN
gp-286	161	9	and	and	CCONJ
gp-286	161	10	analysis	analysis	NOUN
gp-286	161	11	of	of	ADP
gp-286	161	12	paired	pair	VERB
gp-286	161	13	comparison	comparison	NOUN
gp-286	161	14	matrix	matrix	NOUN
gp-286	161	15	the	the	DET
gp-286	161	16	credit	credit	NOUN
gp-286	161	17	-	-	PUNCT
gp-286	161	18	granting	grant	VERB
gp-286	161	19	process	process	NOUN
gp-286	161	20	involves	involve	VERB
gp-286	161	21	a	a	DET
gp-286	161	22	complex	complex	ADJ
gp-286	161	23	subjective	subjective	ADJ
gp-286	161	24	assessment	assessment	NOUN
gp-286	161	25	of	of	ADP
gp-286	161	26	experienced	experienced	ADJ
gp-286	161	27	credit	credit	NOUN
gp-286	161	28	analysts	analyst	NOUN
gp-286	161	29	.	.	PUNCT
gp-286	162	1	ahp	ahp	PROPN
gp-286	162	2	enables	enable	VERB
gp-286	162	3	the	the	DET
gp-286	162	4	systematic	systematic	ADJ
gp-286	162	5	conversion	conversion	NOUN
gp-286	162	6	of	of	ADP
gp-286	162	7	such	such	ADJ
gp-286	162	8	qualitative	qualitative	ADJ
gp-286	162	9	assessments	assessment	NOUN
gp-286	162	10	into	into	ADP
gp-286	162	11	quantitative	quantitative	ADJ
gp-286	162	12	values	value	NOUN
gp-286	162	13	through	through	ADP
gp-286	162	14	structured	structured	ADJ
gp-286	162	15	pairwise	pairwise	NOUN
gp-286	162	16	comparisons	comparison	NOUN
gp-286	162	17	that	that	PRON
gp-286	162	18	follow	follow	VERB
gp-286	162	19	solid	solid	ADJ
gp-286	162	20	mathematical	mathematical	ADJ
gp-286	162	21	principles	principle	NOUN
gp-286	162	22	.	.	PUNCT
gp-286	163	1	from	from	ADP
gp-286	163	2	the	the	DET
gp-286	163	3	assessment	assessment	NOUN
gp-286	163	4	of	of	ADP
gp-286	163	5	25	25	NUM
gp-286	163	6	respondents	respondent	NOUN
gp-286	163	7	using	use	VERB
gp-286	163	8	the	the	DET
gp-286	163	9	ahp	ahp	NOUN
gp-286	163	10	scale	scale	NOUN
gp-286	163	11	of	of	ADP
gp-286	163	12	1	1	NUM
gp-286	163	13	-	-	SYM
gp-286	163	14	9	9	NUM
gp-286	163	15	,	,	PUNCT
gp-286	163	16	a	a	DET
gp-286	163	17	geometric	geometric	ADJ
gp-286	163	18	mean	mean	NOUN
gp-286	163	19	was	be	AUX
gp-286	163	20	obtained	obtain	VERB
gp-286	163	21	which	which	PRON
gp-286	163	22	was	be	AUX
gp-286	163	23	then	then	ADV
gp-286	163	24	formed	form	VERB
gp-286	163	25	into	into	ADP
gp-286	163	26	a	a	DET
gp-286	163	27	level	level	NOUN
gp-286	163	28	2	2	NUM
gp-286	163	29	paired	pair	VERB
gp-286	163	30	comparison	comparison	NOUN
gp-286	163	31	matrix	matrix	NOUN
gp-286	163	32	.	.	PUNCT
gp-286	164	1	table	table	NOUN
gp-286	164	2	6	6	NUM
gp-286	164	3	.	.	PUNCT
gp-286	164	4	level	level	NOUN
gp-286	164	5	2	2	NUM
gp-286	164	6	paired	pair	VERB
gp-286	164	7	comparison	comparison	NOUN
gp-286	164	8	matrix	matrix	NOUN
gp-286	164	9	(	(	PUNCT
gp-286	164	10	key	key	ADJ
gp-286	164	11	criteria	criterion	NOUN
gp-286	164	12	)	)	PUNCT
gp-286	164	13	criterion	criterion	NOUN
gp-286	164	14	c1	c1	NOUN
gp-286	164	15	(	(	PUNCT
gp-286	164	16	financial	financial	ADJ
gp-286	164	17	performance	performance	NOUN
gp-286	164	18	)	)	PUNCT
gp-286	164	19	c2	c2	PROPN
gp-286	164	20	(	(	PUNCT
gp-286	164	21	collateral	collateral	NOUN
gp-286	164	22	assessment	assessment	NOUN
gp-286	164	23	)	)	PUNCT
gp-286	164	24	c3	c3	NOUN
gp-286	164	25	(	(	PUNCT
gp-286	164	26	type	type	NOUN
gp-286	164	27	of	of	ADP
gp-286	164	28	business	business	NOUN
gp-286	164	29	)	)	PUNCT
gp-286	164	30	c1	c1	NOUN
gp-286	164	31	(	(	PUNCT
gp-286	164	32	financial	financial	ADJ
gp-286	164	33	performance	performance	NOUN
gp-286	164	34	)	)	PUNCT
gp-286	164	35	1.000	1.000	NUM
gp-286	164	36	2.677	2.677	NUM
gp-286	164	37	2.149	2.149	NUM
gp-286	164	38	c2	c2	PROPN
gp-286	164	39	(	(	PUNCT
gp-286	164	40	collateral	collateral	ADJ
gp-286	164	41	assessment	assessment	NOUN
gp-286	164	42	)	)	PUNCT
gp-286	164	43	0.374	0.374	NUM
gp-286	164	44	1.000	1.000	NUM
gp-286	164	45	1.259	1.259	NUM
gp-286	164	46	c3	c3	NOUN
gp-286	164	47	(	(	PUNCT
gp-286	164	48	type	type	NOUN
gp-286	164	49	of	of	ADP
gp-286	164	50	business	business	NOUN
gp-286	164	51	)	)	PUNCT
gp-286	164	52	0.465	0.465	NUM
gp-286	164	53	0.794	0.794	NUM
gp-286	164	54	1.000	1.000	NUM
gp-286	164	55	reciprocal	reciprocal	ADJ
gp-286	164	56	data	datum	NOUN
gp-286	164	57	is	be	AUX
gp-286	164	58	calculated	calculate	VERB
gp-286	164	59	with	with	ADP
gp-286	164	60	high	high	ADJ
gp-286	164	61	precision	precision	NOUN
gp-286	164	62	to	to	PART
gp-286	164	63	maintain	maintain	VERB
gp-286	164	64	the	the	DET
gp-286	164	65	mathematical	mathematical	ADJ
gp-286	164	66	property	property	NOUN
gp-286	164	67	of	of	ADP
gp-286	164	68	the	the	DET
gp-286	164	69	ahp	ahp	NOUN
gp-286	164	70	:	:	PUNCT
gp-286	164	71	a.	a.	NOUN
gp-286	164	72	position	position	NOUN
gp-286	165	1	[	[	X
gp-286	165	2	2.1	2.1	NUM
gp-286	165	3	]	]	PUNCT
gp-286	165	4	=	=	SYM
gp-286	165	5	1/2.677	1/2.677	NUM
gp-286	165	6	=	=	SYM
gp-286	165	7	0.374	0.374	NUM
gp-286	165	8	(	(	PUNCT
gp-286	165	9	c2	c2	PROPN
gp-286	165	10	vs	vs	PROPN
gp-286	165	11	c1	c1	PROPN
gp-286	165	12	)	)	PUNCT
gp-286	165	13	b.	b.	PROPN
gp-286	165	14	position	position	NOUN
gp-286	165	15	[	[	X
gp-286	165	16	3.1	3.1	NUM
gp-286	165	17	]	]	PUNCT
gp-286	165	18	=	=	SYM
gp-286	165	19	1/2.149	1/2.149	NUM
gp-286	165	20	=	=	PUNCT
gp-286	165	21	0.465	0.465	NUM
gp-286	165	22	(	(	PUNCT
gp-286	165	23	c3	c3	PROPN
gp-286	165	24	vs	vs	PROPN
gp-286	165	25	c1	c1	PROPN
gp-286	165	26	)	)	PUNCT
gp-286	165	27	c.	c.	PROPN
gp-286	165	28	position	position	NOUN
gp-286	165	29	[	[	X
gp-286	165	30	3.2	3.2	NUM
gp-286	165	31	]	]	PUNCT
gp-286	165	32	=	=	SYM
gp-286	165	33	1/1.259	1/1.259	NOUN
gp-286	165	34	=	=	SYM
gp-286	165	35	0.794	0.794	NUM
gp-286	165	36	(	(	PUNCT
gp-286	165	37	c3	c3	PROPN
gp-286	165	38	vs	vs	ADP
gp-286	165	39	c2	c2	PROPN
gp-286	165	40	)	)	PUNCT
gp-286	165	41	this	this	DET
gp-286	165	42	matrix	matrix	NOUN
gp-286	165	43	shows	show	VERB
gp-286	165	44	that	that	SCONJ
gp-286	165	45	respondents	respondent	NOUN
gp-286	165	46	consistently	consistently	ADV
gp-286	165	47	rate	rate	VERB
gp-286	165	48	financial	financial	ADJ
gp-286	165	49	performance	performance	NOUN
gp-286	165	50	as	as	ADP
gp-286	165	51	the	the	DET
gp-286	165	52	most	most	ADV
gp-286	165	53	important	important	ADJ
gp-286	165	54	criterion	criterion	NOUN
gp-286	165	55	,	,	PUNCT
gp-286	165	56	followed	follow	VERB
gp-286	165	57	by	by	ADP
gp-286	165	58	collateral	collateral	ADJ
gp-286	165	59	assessment	assessment	NOUN
gp-286	165	60	,	,	PUNCT
gp-286	165	61	and	and	CCONJ
gp-286	165	62	business	business	NOUN
gp-286	165	63	type	type	NOUN
gp-286	165	64	.	.	PUNCT
gp-286	166	1	the	the	DET
gp-286	166	2	intensity	intensity	NOUN
gp-286	166	3	of	of	ADP
gp-286	166	4	preference	preference	NOUN
gp-286	166	5	between	between	ADP
gp-286	166	6	financial	financial	ADJ
gp-286	166	7	performance	performance	NOUN
gp-286	166	8	to	to	ADP
gp-286	166	9	collateral	collateral	ADJ
gp-286	166	10	valuation	valuation	NOUN
gp-286	166	11	(	(	PUNCT
gp-286	166	12	2,677	2,677	NUM
gp-286	166	13	)	)	PUNCT
gp-286	166	14	showed	show	VERB
gp-286	166	15	significant	significant	ADJ
gp-286	166	16	dominance	dominance	NOUN
gp-286	166	17	,	,	PUNCT
gp-286	166	18	while	while	SCONJ
gp-286	166	19	preference	preference	NOUN
gp-286	166	20	for	for	ADP
gp-286	166	21	business	business	NOUN
gp-286	166	22	type	type	NOUN
gp-286	166	23	(	(	PUNCT
gp-286	166	24	2,149	2,149	NUM
gp-286	166	25	)	)	PUNCT
gp-286	166	26	was	be	AUX
gp-286	166	27	also	also	ADV
gp-286	166	28	strong	strong	ADJ
gp-286	166	29	but	but	CCONJ
gp-286	166	30	not	not	PART
gp-286	166	31	extreme	extreme	ADJ
gp-286	166	32	.	.	PUNCT
gp-286	167	1	matrix	matrix	NOUN
gp-286	167	2	normalization	normalization	NOUN
gp-286	167	3	and	and	CCONJ
gp-286	167	4	mathematical	mathematical	ADJ
gp-286	167	5	validation	validation	NOUN
gp-286	167	6	process	process	NOUN
gp-286	167	7	matrix	matrix	NOUN
gp-286	167	8	normalization	normalization	NOUN
gp-286	167	9	is	be	AUX
gp-286	167	10	done	do	VERB
gp-286	167	11	through	through	ADP
gp-286	167	12	column	column	NOUN
gp-286	167	13	-	-	PUNCT
gp-286	167	14	wise	wise	ADJ
gp-286	167	15	normalization	normalization	NOUN
gp-286	167	16	where	where	SCONJ
gp-286	167	17	each	each	DET
gp-286	167	18	element	element	NOUN
gp-286	167	19	is	be	AUX
gp-286	167	20	divided	divide	VERB
gp-286	167	21	by	by	ADP
gp-286	167	22	the	the	DET
gp-286	167	23	number	number	NOUN
gp-286	167	24	of	of	ADP
gp-286	167	25	columns	column	NOUN
gp-286	167	26	to	to	PART
gp-286	167	27	produce	produce	VERB
gp-286	167	28	a	a	DET
gp-286	167	29	normalized	normalize	VERB
gp-286	167	30	matrix	matrix	NOUN
gp-286	167	31	that	that	PRON
gp-286	167	32	meets	meet	VERB
gp-286	167	33	the	the	DET
gp-286	167	34	stochastic	stochastic	ADJ
gp-286	167	35	property	property	NOUN
gp-286	167	36	.	.	PUNCT
gp-286	168	1	the	the	DET
gp-286	168	2	calculation	calculation	NOUN
gp-286	168	3	of	of	ADP
gp-286	168	4	column	column	NOUN
gp-286	168	5	sums	sum	NOUN
gp-286	168	6	is	be	AUX
gp-286	168	7	carried	carry	VERB
gp-286	168	8	out	out	ADP
gp-286	168	9	with	with	ADP
gp-286	168	10	high	high	ADJ
gp-286	168	11	accuracy	accuracy	NOUN
gp-286	168	12	:	:	PUNCT
gp-286	168	13	a.	a.	NOUN
gp-286	168	14	column	column	NOUN
gp-286	168	15	1	1	NUM
gp-286	168	16	sum	sum	NOUN
gp-286	168	17	:	:	PUNCT
gp-286	168	18	1.000	1.000	NUM
gp-286	168	19	+	+	NUM
gp-286	168	20	0.374	0.374	NUM
gp-286	168	21	+	+	CCONJ
gp-286	168	22	0.465	0.465	NUM
gp-286	168	23	=	=	SYM
gp-286	168	24	1.839	1.839	NUM
gp-286	168	25	b.	b.	PROPN
gp-286	168	26	column	column	NOUN
gp-286	168	27	2	2	NUM
gp-286	168	28	sum	sum	NOUN
gp-286	168	29	:	:	PUNCT
gp-286	168	30	2.677	2.677	NUM
gp-286	168	31	+	+	NOUN
gp-286	168	32	1.000	1.000	NUM
gp-286	168	33	+	+	NUM
gp-286	168	34	0.794	0.794	NUM
gp-286	168	35	=	=	SYM
gp-286	168	36	4.471	4.471	NUM
gp-286	168	37	c.	c.	NOUN
gp-286	168	38	column	column	NOUN
gp-286	168	39	3	3	NUM
gp-286	168	40	sum	sum	NOUN
gp-286	168	41	:	:	PUNCT
gp-286	168	42	2.149	2.149	NUM
gp-286	168	43	+	+	NOUN
gp-286	168	44	1.259	1.259	NUM
gp-286	168	45	+	+	NUM
gp-286	168	46	1.000	1.000	NUM
gp-286	168	47	=	=	SYM
gp-286	168	48	4.408	4.408	NUM
gp-286	168	49	analysis	analysis	NOUN
gp-286	168	50	of	of	ADP
gp-286	168	51	financial	financial	ADJ
gp-286	168	52	performance	performance	NOUN
gp-286	168	53	characteristics	characteristic	NOUN
gp-286	168	54	,	,	PUNCT
gp-286	168	55	collateral	collateral	ADJ
gp-286	168	56	assessment	assessment	NOUN
gp-286	168	57	and	and	CCONJ
gp-286	168	58	business	business	NOUN
gp-286	168	59	type	type	NOUN
gp-286	168	60	in	in	ADP
gp-286	168	61	the	the	DET
gp-286	168	62	decision	decision	NOUN
gp-286	168	63	to	to	PART
gp-286	168	64	provide	provide	VERB
gp-286	168	65	medium	medium	ADJ
gp-286	168	66	credit	credit	NOUN
gp-286	168	67	facilities	facility	NOUN
gp-286	168	68	at	at	ADP
gp-286	168	69	bri	bri	PROPN
gp-286	168	70	denpasar	denpasar	NOUN
gp-286	168	71	using	use	VERB
gp-286	168	72	the	the	DET
gp-286	168	73	analytical	analytical	ADJ
gp-286	168	74	hierarchy	hierarchy	NOUN
gp-286	168	75	process	process	NOUN
gp-286	168	76	method	method	NOUN
gp-286	168	77	1236	1236	NUM
gp-286	168	78	the	the	DET
gp-286	168	79	normalization	normalization	NOUN
gp-286	168	80	process	process	NOUN
gp-286	168	81	uses	use	VERB
gp-286	168	82	the	the	DET
gp-286	168	83	formula	formula	NOUN
gp-286	168	84	:	:	PUNCT
gp-286	168	85	normalized_ij	normalized_ij	NOUN
gp-286	168	86	=	=	SYM
gp-286	168	87	aij	aij	X
gp-286	168	88	/	/	SYM
gp-286	168	89	sum_kolom_j	sum_kolom_j	NOUN
gp-286	168	90	for	for	ADP
gp-286	168	91	each	each	DET
gp-286	168	92	element	element	NOUN
gp-286	168	93	of	of	ADP
gp-286	168	94	the	the	DET
gp-286	168	95	matrix	matrix	NOUN
gp-286	168	96	:	:	PUNCT
gp-286	168	97	table	table	NOUN
gp-286	168	98	7	7	NUM
gp-286	168	99	.	.	PUNCT
gp-286	168	100	matrix	matrix	NOUN
gp-286	168	101	normalized	normalize	VERB
gp-286	168	102	key	key	ADJ
gp-286	168	103	criteria	criterion	NOUN
gp-286	168	104	with	with	ADP
gp-286	168	105	validation	validation	NOUN
gp-286	168	106	criterion	criterion	NOUN
gp-286	168	107	c1	c1	PROPN
gp-286	168	108	c2	c2	PROPN
gp-286	168	109	c3	c3	PROPN
gp-286	168	110	row	row	PROPN
gp-286	168	111	sum	sum	PROPN
gp-286	168	112	validation	validation	NOUN
gp-286	168	113	c1	c1	NOUN
gp-286	168	114	(	(	PUNCT
gp-286	168	115	financial	financial	ADJ
gp-286	168	116	performance	performance	NOUN
gp-286	168	117	)	)	PUNCT
gp-286	168	118	0.544	0.544	NUM
gp-286	168	119	0.599	0.599	NUM
gp-286	168	120	0.488	0.488	NUM
gp-286	168	121	1.631	1.631	NUM
gp-286	168	122	✓	✓	ADJ
gp-286	168	123	c2	c2	PROPN
gp-286	168	124	(	(	PUNCT
gp-286	168	125	collateral	collateral	NOUN
gp-286	168	126	assessment	assessment	NOUN
gp-286	168	127	)	)	PUNCT
gp-286	168	128	0.203	0.203	NUM
gp-286	168	129	0.224	0.224	NUM
gp-286	168	130	0.286	0.286	NUM
gp-286	168	131	0.713	0.713	ADP
gp-286	168	132	✓	✓	ADJ
gp-286	168	133	c3	c3	NOUN
gp-286	168	134	(	(	PUNCT
gp-286	168	135	type	type	NOUN
gp-286	168	136	of	of	ADP
gp-286	168	137	business	business	NOUN
gp-286	168	138	)	)	PUNCT
gp-286	169	1	0.253	0.253	NUM
gp-286	169	2	0.178	0.178	NUM
gp-286	169	3	0.227	0.227	NUM
gp-286	169	4	0.658	0.658	NUM
gp-286	169	5	✓	✓	ADJ
gp-286	169	6	column	column	NOUN
gp-286	169	7	sum	sum	NOUN
gp-286	169	8	1.000	1.000	NUM
gp-286	169	9	1.001	1.001	NUM
gp-286	169	10	1.001	1.001	NUM
gp-286	169	11	3.002	3.002	NUM
gp-286	169	12	✓	✓	ADJ
gp-286	169	13	mathematical	mathematical	ADJ
gp-286	169	14	validation	validation	NOUN
gp-286	169	15	shows	show	VERB
gp-286	169	16	that	that	SCONJ
gp-286	169	17	each	each	DET
gp-286	169	18	column	column	NOUN
gp-286	169	19	is	be	AUX
gp-286	169	20	1,000	1,000	NUM
gp-286	169	21	in	in	ADP
gp-286	169	22	number	number	NOUN
gp-286	169	23	(	(	PUNCT
gp-286	169	24	with	with	ADP
gp-286	169	25	a	a	DET
gp-286	169	26	rounding	round	VERB
gp-286	169	27	error	error	NOUN
gp-286	169	28	tolerance	tolerance	NOUN
gp-286	169	29	of	of	ADP
gp-286	169	30	0.001	0.001	NUM
gp-286	169	31	)	)	PUNCT
gp-286	169	32	which	which	PRON
gp-286	169	33	confirms	confirm	VERB
gp-286	169	34	the	the	DET
gp-286	169	35	accuracy	accuracy	NOUN
gp-286	169	36	of	of	ADP
gp-286	169	37	the	the	DET
gp-286	169	38	normalization	normalization	NOUN
gp-286	169	39	calculation	calculation	NOUN
gp-286	169	40	.	.	PUNCT
gp-286	170	1	eigenvector	eigenvector	NOUN
gp-286	170	2	calculation	calculation	NOUN
gp-286	170	3	and	and	CCONJ
gp-286	170	4	priority	priority	NOUN
gp-286	170	5	interpretation	interpretation	NOUN
gp-286	170	6	eigenvector	eigenvector	NOUN
gp-286	170	7	or	or	CCONJ
gp-286	170	8	priority	priority	NOUN
gp-286	170	9	weights	weight	NOUN
gp-286	170	10	are	be	AUX
gp-286	170	11	calculated	calculate	VERB
gp-286	170	12	using	use	VERB
gp-286	170	13	the	the	DET
gp-286	170	14	row	row	NOUN
gp-286	170	15	averaging	averaging	NOUN
gp-286	170	16	method	method	NOUN
gp-286	170	17	which	which	PRON
gp-286	170	18	is	be	AUX
gp-286	170	19	a	a	DET
gp-286	170	20	robust	robust	ADJ
gp-286	170	21	and	and	CCONJ
gp-286	170	22	easy	easy	ADJ
gp-286	170	23	-	-	PUNCT
gp-286	170	24	to	to	PART
gp-286	170	25	-	-	PUNCT
gp-286	170	26	understand	understand	VERB
gp-286	170	27	approximation	approximation	NOUN
gp-286	170	28	method	method	NOUN
gp-286	170	29	.	.	PUNCT
gp-286	171	1	the	the	DET
gp-286	171	2	formula	formula	NOUN
gp-286	171	3	used	use	VERB
gp-286	171	4	:	:	PUNCT
gp-286	171	5	wi	wi	PROPN
gp-286	171	6	=	=	SYM
gp-286	171	7	(	(	PUNCT
gp-286	171	8	σ	σ	PROPN
gp-286	171	9	normalized_ij)/n	normalized_ij)/n	NOUN
gp-286	171	10	where	where	SCONJ
gp-286	171	11	n	n	PRON
gp-286	171	12	is	be	AUX
gp-286	171	13	the	the	DET
gp-286	171	14	dimension	dimension	NOUN
gp-286	171	15	of	of	ADP
gp-286	171	16	the	the	DET
gp-286	171	17	matrix	matrix	NOUN
gp-286	171	18	.	.	PUNCT
gp-286	172	1	detailed	detailed	ADJ
gp-286	172	2	calculation	calculation	NOUN
gp-286	172	3	for	for	ADP
gp-286	172	4	each	each	DET
gp-286	172	5	criterion	criterion	NOUN
gp-286	172	6	:	:	PUNCT
gp-286	172	7	a.	a.	NOUN
gp-286	172	8	financial	financial	ADJ
gp-286	172	9	performance	performance	NOUN
gp-286	172	10	(	(	PUNCT
gp-286	172	11	c1	c1	NOUN
gp-286	172	12	):	):	PUNCT
gp-286	172	13	(	(	PUNCT
gp-286	172	14	0.544	0.544	NUM
gp-286	173	1	+	+	NUM
gp-286	173	2	0.599	0.599	NUM
gp-286	173	3	+	+	NUM
gp-286	173	4	0.488	0.488	NUM
gp-286	173	5	)	)	PUNCT
gp-286	173	6	÷	÷	NUM
gp-286	173	7	3	3	NUM
gp-286	173	8	=	=	SYM
gp-286	173	9	1.631	1.631	NUM
gp-286	173	10	÷	÷	SYM
gp-286	173	11	3	3	NUM
gp-286	173	12	=	=	SYM
gp-286	173	13	0.543	0.543	NUM
gp-286	173	14	b.	b.	PROPN
gp-286	173	15	collateral	collateral	PROPN
gp-286	173	16	valuation	valuation	NOUN
gp-286	173	17	(	(	PUNCT
gp-286	173	18	c2	c2	PROPN
gp-286	173	19	):	):	PUNCT
gp-286	173	20	(	(	PUNCT
gp-286	173	21	0.203	0.203	NUM
gp-286	173	22	+	+	CCONJ
gp-286	173	23	0.224	0.224	NUM
gp-286	173	24	+	+	CCONJ
gp-286	173	25	0.286	0.286	NUM
gp-286	173	26	)	)	PUNCT
gp-286	173	27	÷	÷	NUM
gp-286	173	28	3	3	NUM
gp-286	173	29	=	=	SYM
gp-286	173	30	0.713	0.713	NUM
gp-286	173	31	÷	÷	NUM
gp-286	173	32	3	3	NUM
gp-286	173	33	=	=	SYM
gp-286	173	34	0.237	0.237	NUM
gp-286	173	35	c.	c.	PROPN
gp-286	173	36	business	business	NOUN
gp-286	173	37	type	type	NOUN
gp-286	173	38	(	(	PUNCT
gp-286	173	39	c3	c3	NOUN
gp-286	173	40	):	):	PUNCT
gp-286	173	41	(	(	PUNCT
gp-286	173	42	0.253	0.253	NUM
gp-286	173	43	+	+	NOUN
gp-286	173	44	0.178	0.178	NUM
gp-286	173	45	+	+	NUM
gp-286	173	46	0.227	0.227	NUM
gp-286	173	47	)	)	PUNCT
gp-286	173	48	÷	÷	NUM
gp-286	173	49	3	3	NUM
gp-286	173	50	=	=	SYM
gp-286	173	51	0.658	0.658	NUM
gp-286	173	52	÷	÷	NUM
gp-286	173	53	3	3	NUM
gp-286	173	54	=	=	SYM
gp-286	173	55	0.220	0.220	NUM
gp-286	173	56	table	table	NOUN
gp-286	173	57	8	8	NUM
gp-286	173	58	.	.	PUNCT
gp-286	173	59	priority	priority	NOUN
gp-286	173	60	weighting	weighting	NOUN
gp-286	173	61	of	of	ADP
gp-286	173	62	main	main	ADJ
gp-286	173	63	criteria	criterion	NOUN
gp-286	173	64	(	(	PUNCT
gp-286	173	65	eigenvector	eigenvector	NOUN
gp-286	173	66	)	)	PUNCT
gp-286	173	67	with	with	ADP
gp-286	173	68	analysis	analysis	NOUN
gp-286	173	69	criterion	criterion	NOUN
gp-286	173	70	weight	weight	NOUN
gp-286	173	71	percentage	percentage	NOUN
gp-286	173	72	ranking	ranking	NOUN
gp-286	173	73	priority	priority	NOUN
gp-286	173	74	categories	category	NOUN
gp-286	173	75	gap	gap	NOUN
gp-286	173	76	with	with	ADP
gp-286	173	77	next	next	ADJ
gp-286	173	78	ranking	ranking	ADJ
gp-286	173	79	financial	financial	ADJ
gp-286	173	80	performance	performance	NOUN
gp-286	173	81	(	(	PUNCT
gp-286	173	82	c1	c1	NOUN
gp-286	173	83	)	)	PUNCT
gp-286	173	84	0.543	0.543	NUM
gp-286	173	85	54.3	54.3	NUM
gp-286	173	86	%	%	NOUN
gp-286	173	87	1	1	NUM
gp-286	173	88	very	very	ADV
gp-286	173	89	dominant	dominant	ADJ
gp-286	173	90	30.6	30.6	NUM
gp-286	173	91	%	%	NOUN
gp-286	173	92	collateral	collateral	NOUN
gp-286	173	93	valuation	valuation	NOUN
gp-286	173	94	(	(	PUNCT
gp-286	173	95	c2	c2	PROPN
gp-286	173	96	)	)	PUNCT
gp-286	173	97	0.237	0.237	NUM
gp-286	173	98	23.7	23.7	NUM
gp-286	173	99	%	%	NOUN
gp-286	173	100	2	2	NUM
gp-286	173	101	signifikan	signifikan	ADJ
gp-286	173	102	1.7	1.7	NUM
gp-286	173	103	%	%	NOUN
gp-286	173	104	type	type	NOUN
gp-286	173	105	of	of	ADP
gp-286	173	106	business	business	NOUN
gp-286	173	107	(	(	PUNCT
gp-286	173	108	c3	c3	PROPN
gp-286	173	109	)	)	PUNCT
gp-286	173	110	0.220	0.220	NUM
gp-286	173	111	22.0	22.0	NUM
gp-286	173	112	%	%	NOUN
gp-286	173	113	3	3	NUM
gp-286	173	114	signifikan	signifikan	NOUN
gp-286	173	115	the	the	DET
gp-286	173	116	results	result	NOUN
gp-286	173	117	showed	show	VERB
gp-286	173	118	a	a	DET
gp-286	173	119	very	very	ADV
gp-286	173	120	clear	clear	ADJ
gp-286	173	121	dominance	dominance	NOUN
gp-286	173	122	of	of	ADP
gp-286	173	123	financial	financial	ADJ
gp-286	173	124	performance	performance	NOUN
gp-286	173	125	with	with	ADP
gp-286	173	126	a	a	DET
gp-286	173	127	gap	gap	NOUN
gp-286	173	128	of	of	ADP
gp-286	173	129	30.6	30.6	NUM
gp-286	173	130	%	%	NOUN
gp-286	173	131	from	from	ADP
gp-286	173	132	the	the	DET
gp-286	173	133	second	second	ADJ
gp-286	173	134	criterion	criterion	NOUN
gp-286	173	135	,	,	PUNCT
gp-286	173	136	while	while	SCONJ
gp-286	173	137	the	the	DET
gp-286	173	138	collateral	collateral	NOUN
gp-286	173	139	and	and	CCONJ
gp-286	173	140	business	business	NOUN
gp-286	173	141	type	type	NOUN
gp-286	173	142	assessment	assessment	NOUN
gp-286	173	143	had	have	VERB
gp-286	173	144	a	a	DET
gp-286	173	145	minimal	minimal	ADJ
gp-286	173	146	gap	gap	NOUN
gp-286	173	147	(	(	PUNCT
gp-286	173	148	1.7	1.7	NUM
gp-286	173	149	%	%	NOUN
gp-286	173	150	)	)	PUNCT
gp-286	173	151	indicating	indicate	VERB
gp-286	173	152	stiff	stiff	ADJ
gp-286	173	153	competition	competition	NOUN
gp-286	173	154	for	for	ADP
gp-286	173	155	the	the	DET
gp-286	173	156	second	second	ADJ
gp-286	173	157	and	and	CCONJ
gp-286	173	158	third	third	ADJ
gp-286	173	159	priorities	priority	NOUN
gp-286	173	160	.	.	PUNCT
gp-286	174	1	comprehensive	comprehensive	ADJ
gp-286	174	2	consistency	consistency	NOUN
gp-286	174	3	test	test	NOUN
gp-286	174	4	with	with	ADP
gp-286	174	5	statistical	statistical	ADJ
gp-286	174	6	interpretation	interpretation	NOUN
gp-286	174	7	the	the	DET
gp-286	174	8	consistency	consistency	NOUN
gp-286	174	9	test	test	NOUN
gp-286	174	10	is	be	AUX
gp-286	174	11	a	a	DET
gp-286	174	12	critical	critical	ADJ
gp-286	174	13	aspect	aspect	NOUN
gp-286	174	14	of	of	ADP
gp-286	174	15	the	the	DET
gp-286	174	16	ahp	ahp	NOUN
gp-286	174	17	that	that	PRON
gp-286	174	18	validates	validate	VERB
gp-286	174	19	the	the	DET
gp-286	174	20	logical	logical	ADJ
gp-286	174	21	coherence	coherence	NOUN
gp-286	174	22	of	of	ADP
gp-286	174	23	respondents	respondent	NOUN
gp-286	174	24	'	'	PART
gp-286	174	25	assessments	assessment	NOUN
gp-286	174	26	.	.	PUNCT
gp-286	175	1	the	the	DET
gp-286	175	2	calculation	calculation	NOUN
gp-286	175	3	is	be	AUX
gp-286	175	4	carried	carry	VERB
gp-286	175	5	out	out	ADP
gp-286	175	6	using	use	VERB
gp-286	175	7	the	the	DET
gp-286	175	8	principal	principal	ADJ
gp-286	175	9	eigenvalue	eigenvalue	NOUN
gp-286	175	10	method	method	NOUN
gp-286	175	11	:	:	PUNCT
gp-286	175	12	a.	a.	NOUN
gp-286	175	13	lambda	lambda	PROPN
gp-286	175	14	maximum	maximum	ADJ
gp-286	175	15	(	(	PUNCT
gp-286	175	16	λmax	λmax	NOUN
gp-286	175	17	)	)	PUNCT
gp-286	175	18	calculation	calculation	NOUN
gp-286	175	19	:	:	PUNCT
gp-286	175	20	λmax	λmax	NOUN
gp-286	175	21	=	=	PUNCT
gp-286	175	22	σ(wi	σ(wi	VERB
gp-286	175	23	×	×	NOUN
gp-286	175	24	sum_kolom_i	sum_kolom_i	NOUN
gp-286	175	25	)	)	PUNCT
gp-286	175	26	for	for	ADP
gp-286	175	27	each	each	DET
gp-286	175	28	criterion	criterion	NOUN
gp-286	175	29	λmax	λmax	NOUN
gp-286	175	30	=	=	PUNCT
gp-286	175	31	(	(	PUNCT
gp-286	175	32	0.543	0.543	NUM
gp-286	175	33	×	×	NOUN
gp-286	175	34	1.839	1.839	NUM
gp-286	175	35	)	)	PUNCT
gp-286	176	1	+	+	CCONJ
gp-286	176	2	(	(	PUNCT
gp-286	176	3	0.237	0.237	NUM
gp-286	176	4	×	×	NOUN
gp-286	176	5	4.471	4.471	NUM
gp-286	176	6	)	)	PUNCT
gp-286	177	1	+	+	CCONJ
gp-286	177	2	(	(	PUNCT
gp-286	177	3	0.220	0.220	NUM
gp-286	177	4	×	×	NOUN
gp-286	177	5	4.408	4.408	NUM
gp-286	177	6	)	)	PUNCT
gp-286	177	7	λmax	λmax	NOUN
gp-286	177	8	=	=	PUNCT
gp-286	178	1	0.998	0.998	NUM
gp-286	178	2	+	+	NUM
gp-286	178	3	1.060	1.060	NUM
gp-286	178	4	+	+	CCONJ
gp-286	178	5	0.970	0.970	NUM
gp-286	178	6	=	=	SYM
gp-286	178	7	3.0226	3.0226	NUM
gp-286	178	8	b.	b.	PROPN
gp-286	178	9	consistency	consistency	NOUN
gp-286	178	10	index	index	NOUN
gp-286	178	11	(	(	PUNCT
gp-286	178	12	ci	ci	NOUN
gp-286	178	13	):	):	PUNCT
gp-286	178	14	ci	ci	NOUN
gp-286	178	15	=	=	SYM
gp-286	178	16	(	(	PUNCT
gp-286	178	17	λmax	λmax	NOUN
gp-286	178	18	n	n	CCONJ
gp-286	178	19	)	)	PUNCT
gp-286	178	20	/	/	PUNCT
gp-286	178	21	(	(	PUNCT
gp-286	178	22	n	n	NOUN
gp-286	178	23	1	1	NUM
gp-286	178	24	)	)	PUNCT
gp-286	178	25	=	=	NOUN
gp-286	178	26	(	(	PUNCT
gp-286	178	27	3.0226	3.0226	NUM
gp-286	178	28	3	3	NUM
gp-286	178	29	)	)	PUNCT
gp-286	178	30	/	/	PUNCT
gp-286	178	31	(	(	PUNCT
gp-286	178	32	3	3	NUM
gp-286	178	33	1	1	NUM
gp-286	178	34	)	)	PUNCT
gp-286	178	35	=	=	SYM
gp-286	179	1	0.0226	0.0226	NUM
gp-286	179	2	/	/	SYM
gp-286	179	3	2	2	NUM
gp-286	179	4	=	=	SYM
gp-286	179	5	0.0113	0.0113	NUM
gp-286	179	6	c.	c.	NOUN
gp-286	179	7	consistency	consistency	NOUN
gp-286	179	8	ratio	ratio	NOUN
gp-286	179	9	(	(	PUNCT
gp-286	179	10	cr	cr	PROPN
gp-286	179	11	):	):	PUNCT
gp-286	179	12	cr	cr	PROPN
gp-286	179	13	=	=	SYM
gp-286	179	14	ci	ci	PROPN
gp-286	179	15	/	/	SYM
gp-286	179	16	ri	ri	PROPN
gp-286	179	17	where	where	SCONJ
gp-286	179	18	the	the	DET
gp-286	179	19	ri	ri	PROPN
gp-286	179	20	for	for	ADP
gp-286	179	21	matrix	matrix	NOUN
gp-286	179	22	3×3	3×3	NUM
gp-286	179	23	is	be	AUX
gp-286	179	24	0.58	0.58	NUM
gp-286	179	25	(	(	PUNCT
gp-286	179	26	based	base	VERB
gp-286	179	27	on	on	ADP
gp-286	179	28	the	the	DET
gp-286	179	29	saaty	saaty	NOUN
gp-286	179	30	table	table	NOUN
gp-286	179	31	)	)	PUNCT
gp-286	179	32	cr	cr	NOUN
gp-286	180	1	=	=	NOUN
gp-286	181	1	0.0113	0.0113	NUM
gp-286	181	2	/	/	SYM
gp-286	181	3	0.58	0.58	NUM
gp-286	181	4	=	=	SYM
gp-286	181	5	0.0195	0.0195	NUM
gp-286	181	6	analysis	analysis	NOUN
gp-286	181	7	of	of	ADP
gp-286	181	8	financial	financial	ADJ
gp-286	181	9	performance	performance	NOUN
gp-286	181	10	characteristics	characteristic	NOUN
gp-286	181	11	,	,	PUNCT
gp-286	181	12	collateral	collateral	ADJ
gp-286	181	13	assessment	assessment	NOUN
gp-286	181	14	and	and	CCONJ
gp-286	181	15	business	business	NOUN
gp-286	181	16	type	type	NOUN
gp-286	181	17	in	in	ADP
gp-286	181	18	the	the	DET
gp-286	181	19	decision	decision	NOUN
gp-286	181	20	to	to	PART
gp-286	181	21	provide	provide	VERB
gp-286	181	22	medium	medium	ADJ
gp-286	181	23	credit	credit	NOUN
gp-286	181	24	facilities	facility	NOUN
gp-286	181	25	at	at	ADP
gp-286	181	26	bri	bri	PROPN
gp-286	181	27	denpasar	denpasar	NOUN
gp-286	181	28	using	use	VERB
gp-286	181	29	the	the	DET
gp-286	181	30	analytical	analytical	ADJ
gp-286	181	31	hierarchy	hierarchy	NOUN
gp-286	181	32	process	process	NOUN
gp-286	181	33	method	method	NOUN
gp-286	181	34	1237	1237	NUM
gp-286	181	35	d.	d.	PROPN
gp-286	181	36	consistency	consistency	PROPN
gp-286	181	37	interpretation	interpretation	NOUN
gp-286	181	38	:	:	PUNCT
gp-286	181	39	cr	cr	PROPN
gp-286	181	40	=	=	SYM
gp-286	181	41	0.0195	0.0195	PROPN
gp-286	181	42	<	<	X
gp-286	181	43	0.1	0.1	NUM
gp-286	181	44	(	(	PUNCT
gp-286	181	45	saaty	saaty	NOUN
gp-286	181	46	threshold	threshold	NOUN
gp-286	181	47	)	)	PUNCT
gp-286	181	48	,	,	PUNCT
gp-286	181	49	then	then	ADV
gp-286	181	50	the	the	DET
gp-286	181	51	matrix	matrix	NOUN
gp-286	181	52	is	be	AUX
gp-286	181	53	very	very	ADV
gp-286	181	54	consistent	consistent	ADJ
gp-286	181	55	.	.	PUNCT
gp-286	182	1	a	a	DET
gp-286	182	2	very	very	ADV
gp-286	182	3	low	low	ADJ
gp-286	182	4	cr	cr	NOUN
gp-286	182	5	value	value	NOUN
gp-286	182	6	(	(	PUNCT
gp-286	182	7	1.95	1.95	NUM
gp-286	182	8	%	%	NOUN
gp-286	182	9	)	)	PUNCT
gp-286	182	10	indicates	indicate	VERB
gp-286	182	11	that	that	SCONJ
gp-286	182	12	the	the	DET
gp-286	182	13	respondents	respondent	NOUN
gp-286	182	14	gave	give	VERB
gp-286	182	15	a	a	DET
gp-286	182	16	very	very	ADV
gp-286	182	17	logical	logical	ADJ
gp-286	182	18	and	and	CCONJ
gp-286	182	19	coherent	coherent	ADJ
gp-286	182	20	assessment	assessment	NOUN
gp-286	182	21	,	,	PUNCT
gp-286	182	22	far	far	ADV
gp-286	182	23	below	below	ADP
gp-286	182	24	the	the	DET
gp-286	182	25	maximum	maximum	ADJ
gp-286	182	26	limit	limit	NOUN
gp-286	182	27	of	of	ADP
gp-286	182	28	10	10	NUM
gp-286	182	29	%	%	NOUN
gp-286	182	30	set	set	VERB
gp-286	182	31	by	by	ADP
gp-286	182	32	saaty	saaty	NOUN
gp-286	182	33	(	(	PUNCT
gp-286	182	34	1980	1980	NUM
gp-286	182	35	)	)	PUNCT
gp-286	182	36	.	.	PUNCT
gp-286	183	1	level	level	NOUN
gp-286	183	2	3a	3a	NUM
gp-286	183	3	manual	manual	ADJ
gp-286	183	4	ahp	ahp	NOUN
gp-286	183	5	analysis	analysis	NOUN
gp-286	183	6	financial	financial	ADJ
gp-286	183	7	performance	performance	NOUN
gp-286	183	8	sub	sub	ADJ
gp-286	183	9	-	-	ADJ
gp-286	183	10	criteria	criterion	NOUN
gp-286	183	11	comparative	comparative	ADJ
gp-286	183	12	dynamics	dynamic	NOUN
gp-286	183	13	of	of	ADP
gp-286	183	14	financial	financial	ADJ
gp-286	183	15	performance	performance	NOUN
gp-286	183	16	sub	sub	NOUN
gp-286	183	17	-	-	NOUN
gp-286	183	18	criteria	criterion	NOUN
gp-286	183	19	the	the	DET
gp-286	183	20	analysis	analysis	NOUN
gp-286	183	21	of	of	ADP
gp-286	183	22	financial	financial	ADJ
gp-286	183	23	performance	performance	NOUN
gp-286	183	24	sub	sub	NOUN
gp-286	183	25	-	-	NOUN
gp-286	183	26	criteria	criterion	NOUN
gp-286	183	27	reveals	reveal	VERB
gp-286	183	28	an	an	DET
gp-286	183	29	interesting	interesting	ADJ
gp-286	183	30	preference	preference	NOUN
gp-286	183	31	where	where	SCONJ
gp-286	183	32	bri	bri	NOUN
gp-286	183	33	denpasar	denpasar	PROPN
gp-286	183	34	credit	credit	NOUN
gp-286	183	35	practitioners	practitioner	NOUN
gp-286	183	36	prioritize	prioritize	VERB
gp-286	183	37	defensive	defensive	ADJ
gp-286	183	38	financial	financial	ADJ
gp-286	183	39	capability	capability	NOUN
gp-286	183	40	aspects	aspect	NOUN
gp-286	183	41	over	over	ADP
gp-286	183	42	aggressive	aggressive	ADJ
gp-286	183	43	growth	growth	NOUN
gp-286	183	44	indicators	indicator	NOUN
gp-286	183	45	.	.	PUNCT
gp-286	184	1	this	this	PRON
gp-286	184	2	reflects	reflect	VERB
gp-286	184	3	post	post	ADJ
gp-286	184	4	-	-	ADJ
gp-286	184	5	pandemic	pandemic	ADJ
gp-286	184	6	learning	learning	NOUN
gp-286	184	7	where	where	SCONJ
gp-286	184	8	survival	survival	NOUN
gp-286	184	9	skills	skill	NOUN
gp-286	184	10	are	be	AUX
gp-286	184	11	more	more	ADV
gp-286	184	12	important	important	ADJ
gp-286	184	13	than	than	ADP
gp-286	184	14	thrive	thrive	VERB
gp-286	184	15	skills	skill	NOUN
gp-286	184	16	.	.	PUNCT
gp-286	185	1	table	table	NOUN
gp-286	185	2	9	9	NUM
gp-286	185	3	.	.	PUNCT
gp-286	186	1	financial	financial	ADJ
gp-286	186	2	performance	performance	NOUN
gp-286	186	3	sub	sub	NOUN
gp-286	186	4	-	-	NOUN
gp-286	186	5	criteria	criterion	NOUN
gp-286	186	6	paired	pair	VERB
gp-286	186	7	comparison	comparison	NOUN
gp-286	186	8	matrix	matrix	NOUN
gp-286	186	9	sub	sub	ADJ
gp-286	186	10	-	-	ADJ
gp-286	186	11	criteria	criteria	ADJ
gp-286	186	12	c1.1	c1.1	NOUN
gp-286	186	13	(	(	PUNCT
gp-286	186	14	liquidity	liquidity	NOUN
gp-286	186	15	)	)	PUNCT
gp-286	186	16	c1.2	c1.2	PROPN
gp-286	186	17	(	(	PUNCT
gp-286	186	18	solvabilis	solvabilis	NOUN
gp-286	186	19	)	)	PUNCT
gp-286	186	20	c1.3	c1.3	PROPN
gp-286	186	21	(	(	PUNCT
gp-286	186	22	profitability	profitability	NOUN
gp-286	186	23	)	)	PUNCT
gp-286	186	24	c1.1	c1.1	NOUN
gp-286	186	25	(	(	PUNCT
gp-286	186	26	liquidity	liquidity	NOUN
gp-286	186	27	ratio	ratio	NOUN
gp-286	186	28	)	)	PUNCT
gp-286	186	29	1.000	1.000	NUM
gp-286	186	30	2.469	2.469	NUM
gp-286	186	31	1.021	1.021	NUM
gp-286	186	32	c1.2	c1.2	NOUN
gp-286	186	33	(	(	PUNCT
gp-286	186	34	solvency	solvency	NOUN
gp-286	186	35	ratio	ratio	NOUN
gp-286	186	36	)	)	PUNCT
gp-286	186	37	0.405	0.405	NUM
gp-286	186	38	1.000	1.000	NUM
gp-286	186	39	0.853	0.853	NUM
gp-286	186	40	c1.3	c1.3	PROPN
gp-286	186	41	(	(	PUNCT
gp-286	186	42	profitability	profitability	NOUN
gp-286	186	43	ratio	ratio	NOUN
gp-286	186	44	)	)	PUNCT
gp-286	186	45	0.979	0.979	NUM
gp-286	186	46	1.172	1.172	NUM
gp-286	186	47	1.000	1.000	NUM
gp-286	186	48	the	the	DET
gp-286	186	49	geometric	geometric	ADJ
gp-286	186	50	mean	mean	NOUN
gp-286	186	51	data	datum	NOUN
gp-286	186	52	shows	show	VERB
gp-286	186	53	a	a	DET
gp-286	186	54	consistent	consistent	ADJ
gp-286	186	55	pattern	pattern	NOUN
gp-286	186	56	:	:	PUNCT
gp-286	186	57	liquidity	liquidity	NOUN
gp-286	186	58	vs	vs	ADP
gp-286	186	59	solvency	solvency	NOUN
gp-286	186	60	(	(	PUNCT
gp-286	186	61	2.469	2.469	NUM
gp-286	186	62	)	)	PUNCT
gp-286	186	63	shows	show	VERB
gp-286	186	64	a	a	DET
gp-286	186	65	strong	strong	ADJ
gp-286	186	66	preference	preference	NOUN
gp-286	186	67	for	for	ADP
gp-286	186	68	liquidity	liquidity	NOUN
gp-286	186	69	,	,	PUNCT
gp-286	186	70	liquidity	liquidity	NOUN
gp-286	186	71	vs	vs	ADP
gp-286	186	72	profitability	profitability	NOUN
gp-286	186	73	(	(	PUNCT
gp-286	186	74	1.021	1.021	NUM
gp-286	186	75	)	)	PUNCT
gp-286	186	76	shows	show	VERB
gp-286	186	77	a	a	DET
gp-286	186	78	slight	slight	ADJ
gp-286	186	79	preference	preference	NOUN
gp-286	186	80	for	for	ADP
gp-286	186	81	liquidity	liquidity	NOUN
gp-286	186	82	,	,	PUNCT
gp-286	186	83	while	while	SCONJ
gp-286	186	84	solvency	solvency	NOUN
gp-286	186	85	vs	vs	ADP
gp-286	186	86	profitability	profitability	NOUN
gp-286	186	87	(	(	PUNCT
gp-286	186	88	0.853	0.853	NUM
gp-286	186	89	)	)	PUNCT
gp-286	186	90	shows	show	VERB
gp-286	186	91	a	a	DET
gp-286	186	92	slight	slight	ADJ
gp-286	186	93	preference	preference	NOUN
gp-286	186	94	for	for	ADP
gp-286	186	95	profitability	profitability	NOUN
gp-286	186	96	.	.	PUNCT
gp-286	187	1	this	this	DET
gp-286	187	2	pattern	pattern	NOUN
gp-286	187	3	confirms	confirm	VERB
gp-286	187	4	the	the	DET
gp-286	187	5	priority	priority	NOUN
gp-286	187	6	on	on	ADP
gp-286	187	7	short	short	ADJ
gp-286	187	8	-	-	PUNCT
gp-286	187	9	term	term	NOUN
gp-286	187	10	financial	financial	ADJ
gp-286	187	11	stability	stability	NOUN
gp-286	187	12	.	.	PUNCT
gp-286	188	1	high	high	ADJ
gp-286	188	2	-	-	PUNCT
gp-286	188	3	precision	precision	NOUN
gp-286	188	4	reciprocal	reciprocal	ADJ
gp-286	188	5	calculations	calculation	NOUN
gp-286	188	6	:	:	PUNCT
gp-286	188	7	a.	a.	NOUN
gp-286	188	8	position	position	NOUN
gp-286	189	1	[	[	X
gp-286	189	2	2.1	2.1	NUM
gp-286	189	3	]	]	PUNCT
gp-286	189	4	=	=	SYM
gp-286	189	5	1/2.469	1/2.469	NOUN
gp-286	189	6	=	=	SYM
gp-286	189	7	0.405	0.405	NUM
gp-286	189	8	b.	b.	NOUN
gp-286	189	9	position	position	NOUN
gp-286	189	10	[	[	X
gp-286	189	11	3.1	3.1	NUM
gp-286	189	12	]	]	PUNCT
gp-286	189	13	=	=	PUNCT
gp-286	189	14	1/1.021	1/1.021	NOUN
gp-286	189	15	=	=	SYM
gp-286	189	16	0.979	0.979	NUM
gp-286	189	17	c.	c.	NOUN
gp-286	189	18	position	position	NOUN
gp-286	189	19	[	[	X
gp-286	189	20	3.2	3.2	NUM
gp-286	189	21	]	]	PUNCT
gp-286	189	22	=	=	SYM
gp-286	189	23	1/0.853	1/0.853	NOUN
gp-286	189	24	=	=	NUM
gp-286	189	25	1.172	1.172	NUM
gp-286	189	26	1	1	NUM
gp-286	189	27	.	.	PUNCT
gp-286	190	1	internalized	internalize	VERB
gp-286	190	2	normalization	normalization	NOUN
gp-286	190	3	and	and	CCONJ
gp-286	190	4	consistency	consistency	NOUN
gp-286	190	5	analysis	analysis	NOUN
gp-286	190	6	the	the	DET
gp-286	190	7	normalization	normalization	NOUN
gp-286	190	8	process	process	NOUN
gp-286	190	9	for	for	ADP
gp-286	190	10	the	the	DET
gp-286	190	11	financial	financial	ADJ
gp-286	190	12	performance	performance	NOUN
gp-286	190	13	sub	sub	NOUN
gp-286	190	14	-	-	NOUN
gp-286	190	15	criteria	criterion	NOUN
gp-286	190	16	shows	show	VERB
gp-286	190	17	a	a	DET
gp-286	190	18	more	more	ADV
gp-286	190	19	balanced	balanced	ADJ
gp-286	190	20	distribution	distribution	NOUN
gp-286	190	21	than	than	ADP
gp-286	190	22	level	level	NOUN
gp-286	190	23	2	2	NUM
gp-286	190	24	,	,	PUNCT
gp-286	190	25	indicating	indicate	VERB
gp-286	190	26	that	that	SCONJ
gp-286	190	27	all	all	DET
gp-286	190	28	three	three	NUM
gp-286	190	29	financial	financial	ADJ
gp-286	190	30	aspects	aspect	NOUN
gp-286	190	31	are	be	AUX
gp-286	190	32	of	of	ADP
gp-286	190	33	relatively	relatively	ADV
gp-286	190	34	equal	equal	ADJ
gp-286	190	35	importance	importance	NOUN
gp-286	190	36	despite	despite	SCONJ
gp-286	190	37	the	the	DET
gp-286	190	38	existence	existence	NOUN
gp-286	190	39	of	of	ADP
gp-286	190	40	hierarchical	hierarchical	ADJ
gp-286	190	41	preferences	preference	NOUN
gp-286	190	42	.	.	PUNCT
gp-286	191	1	column	column	NOUN
gp-286	191	2	sum	sum	NOUN
gp-286	191	3	calculation	calculation	NOUN
gp-286	191	4	:	:	PUNCT
gp-286	191	5	a.	a.	NOUN
gp-286	191	6	sum	sum	NOUN
gp-286	191	7	of	of	ADP
gp-286	191	8	column	column	NOUN
gp-286	191	9	1	1	NUM
gp-286	191	10	:	:	SYM
gp-286	191	11	1.000	1.000	NUM
gp-286	191	12	+	+	NUM
gp-286	191	13	0.405	0.405	NUM
gp-286	191	14	+	+	NUM
gp-286	191	15	0.979	0.979	NUM
gp-286	191	16	=	=	SYM
gp-286	191	17	2.384	2.384	NUM
gp-286	191	18	b.	b.	PROPN
gp-286	191	19	column	column	NOUN
gp-286	191	20	sum	sum	NOUN
gp-286	191	21	2	2	NUM
gp-286	191	22	:	:	SYM
gp-286	191	23	2.469	2.469	NUM
gp-286	192	1	+	+	SYM
gp-286	192	2	1.000	1.000	NUM
gp-286	192	3	+	+	NUM
gp-286	192	4	1.172	1.172	NUM
gp-286	192	5	=	=	SYM
gp-286	192	6	4.641	4.641	NUM
gp-286	192	7	c.	c.	NOUN
gp-286	192	8	column	column	NOUN
gp-286	192	9	sum	sum	NOUN
gp-286	192	10	3	3	NUM
gp-286	192	11	:	:	PUNCT
gp-286	192	12	1.021	1.021	NUM
gp-286	192	13	+	+	NUM
gp-286	192	14	0.853	0.853	NUM
gp-286	192	15	+	+	CCONJ
gp-286	192	16	1.000	1.000	NUM
gp-286	192	17	=	=	SYM
gp-286	192	18	2.874	2.874	NUM
gp-286	192	19	table	table	NOUN
gp-286	192	20	10	10	NUM
gp-286	192	21	.	.	PUNCT
gp-286	193	1	normalized	normalize	VERB
gp-286	193	2	matrix	matrix	NOUN
gp-286	193	3	of	of	ADP
gp-286	193	4	financial	financial	ADJ
gp-286	193	5	performance	performance	NOUN
gp-286	193	6	sub	sub	NOUN
gp-286	193	7	-	-	NOUN
gp-286	193	8	criteria	criteria	ADJ
gp-286	193	9	sub	sub	ADJ
gp-286	193	10	-	-	ADJ
gp-286	193	11	criteria	criterion	NOUN
gp-286	193	12	c1.1	c1.1	NOUN
gp-286	193	13	c1.2	c1.2	PROPN
gp-286	193	14	c1.3	c1.3	PROPN
gp-286	193	15	row	row	NOUN
gp-286	193	16	average	average	ADJ
gp-286	193	17	interpretasi	interpretasi	NOUN
gp-286	193	18	c1.1	c1.1	PROPN
gp-286	193	19	(	(	PUNCT
gp-286	193	20	liquidity	liquidity	NOUN
gp-286	193	21	)	)	PUNCT
gp-286	193	22	0.420	0.420	NUM
gp-286	193	23	0.532	0.532	NUM
gp-286	193	24	0.355	0.355	NUM
gp-286	193	25	0.436	0.436	NUM
gp-286	193	26	dominate	dominate	VERB
gp-286	193	27	c1.2	c1.2	PROPN
gp-286	193	28	(	(	PUNCT
gp-286	193	29	solvabilis	solvabilis	PROPN
gp-286	193	30	)	)	PUNCT
gp-286	193	31	0.170	0.170	NUM
gp-286	193	32	0.215	0.215	NUM
gp-286	193	33	0.297	0.297	NUM
gp-286	193	34	0.227	0.227	NUM
gp-286	193	35	weakest	weak	ADJ
gp-286	193	36	c1.3	c1.3	PROPN
gp-286	193	37	(	(	PUNCT
gp-286	193	38	profitability	profitability	NOUN
gp-286	193	39	)	)	PUNCT
gp-286	193	40	0.411	0.411	NUM
gp-286	193	41	0.253	0.253	NUM
gp-286	193	42	0.348	0.348	NUM
gp-286	193	43	0.337	0.337	NUM
gp-286	193	44	intermediate	intermediate	ADJ
gp-286	193	45	priority	priority	NOUN
gp-286	193	46	weight	weight	NOUN
gp-286	193	47	calculation	calculation	NOUN
gp-286	193	48	and	and	CCONJ
gp-286	193	49	implications	implication	VERB
gp-286	193	50	analysis	analysis	NOUN
gp-286	193	51	eigenvector	eigenvector	NOUN
gp-286	193	52	formula	formula	NOUN
gp-286	193	53	and	and	CCONJ
gp-286	193	54	calculation	calculation	NOUN
gp-286	193	55	:	:	PUNCT
gp-286	193	56	a.	a.	NOUN
gp-286	193	57	liquidity	liquidity	PROPN
gp-286	193	58	ratio	ratio	NOUN
gp-286	193	59	(	(	PUNCT
gp-286	193	60	c1.1	c1.1	NOUN
gp-286	193	61	):	):	PUNCT
gp-286	193	62	(	(	PUNCT
gp-286	193	63	0.420	0.420	NUM
gp-286	193	64	+	+	NUM
gp-286	193	65	0.532	0.532	NUM
gp-286	193	66	+	+	NUM
gp-286	193	67	0.355	0.355	NUM
gp-286	193	68	)	)	PUNCT
gp-286	193	69	÷	÷	NUM
gp-286	193	70	3	3	NUM
gp-286	193	71	=	=	SYM
gp-286	193	72	0.436	0.436	NUM
gp-286	193	73	analysis	analysis	NOUN
gp-286	193	74	of	of	ADP
gp-286	193	75	financial	financial	ADJ
gp-286	193	76	performance	performance	NOUN
gp-286	193	77	characteristics	characteristic	NOUN
gp-286	193	78	,	,	PUNCT
gp-286	193	79	collateral	collateral	ADJ
gp-286	193	80	assessment	assessment	NOUN
gp-286	193	81	and	and	CCONJ
gp-286	193	82	business	business	NOUN
gp-286	193	83	type	type	NOUN
gp-286	193	84	in	in	ADP
gp-286	193	85	the	the	DET
gp-286	193	86	decision	decision	NOUN
gp-286	193	87	to	to	PART
gp-286	193	88	provide	provide	VERB
gp-286	193	89	medium	medium	ADJ
gp-286	193	90	credit	credit	NOUN
gp-286	193	91	facilities	facility	NOUN
gp-286	193	92	at	at	ADP
gp-286	193	93	bri	bri	PROPN
gp-286	193	94	denpasar	denpasar	NOUN
gp-286	193	95	using	use	VERB
gp-286	193	96	the	the	DET
gp-286	193	97	analytical	analytical	ADJ
gp-286	193	98	hierarchy	hierarchy	NOUN
gp-286	193	99	process	process	NOUN
gp-286	193	100	method	method	VERB
gp-286	193	101	1238	1238	NUM
gp-286	193	102	b.	b.	PROPN
gp-286	193	103	solvency	solvency	NOUN
gp-286	193	104	ratio	ratio	NOUN
gp-286	193	105	(	(	PUNCT
gp-286	193	106	c1.2	c1.2	PROPN
gp-286	193	107	):	):	PUNCT
gp-286	193	108	(	(	PUNCT
gp-286	193	109	0.170	0.170	NUM
gp-286	193	110	+	+	CCONJ
gp-286	193	111	0.215	0.215	NUM
gp-286	193	112	+	+	NUM
gp-286	193	113	0.297	0.297	NUM
gp-286	193	114	)	)	PUNCT
gp-286	193	115	÷	÷	NUM
gp-286	193	116	3	3	NUM
gp-286	193	117	=	=	SYM
gp-286	193	118	0.227	0.227	NUM
gp-286	193	119	c.	c.	NOUN
gp-286	193	120	profitability	profitability	NOUN
gp-286	193	121	ratio	ratio	NOUN
gp-286	193	122	(	(	PUNCT
gp-286	193	123	c1.3	c1.3	PROPN
gp-286	193	124	):	):	PUNCT
gp-286	193	125	(	(	PUNCT
gp-286	193	126	0.411	0.411	NUM
gp-286	193	127	+	+	CCONJ
gp-286	193	128	0.253	0.253	NUM
gp-286	193	129	+	+	NUM
gp-286	193	130	0.348	0.348	NUM
gp-286	193	131	)	)	PUNCT
gp-286	193	132	÷	÷	NUM
gp-286	193	133	3	3	NUM
gp-286	193	134	=	=	SYM
gp-286	193	135	0.337	0.337	NUM
gp-286	193	136	table	table	NOUN
gp-286	193	137	11	11	NUM
gp-286	193	138	.	.	PUNCT
gp-286	194	1	priority	priority	NOUN
gp-286	194	2	weighting	weighting	NOUN
gp-286	194	3	of	of	ADP
gp-286	194	4	financial	financial	ADJ
gp-286	194	5	performance	performance	NOUN
gp-286	194	6	sub	sub	NOUN
gp-286	194	7	-	-	NOUN
gp-286	194	8	criteria	criterion	NOUN
gp-286	194	9	with	with	ADP
gp-286	194	10	analysis	analysis	NOUN
gp-286	194	11	ub	ub	NOUN
gp-286	194	12	-	-	PUNCT
gp-286	194	13	criteria	criterion	NOUN
gp-286	194	14	local	local	ADJ
gp-286	194	15	weights	weight	NOUN
gp-286	194	16	percentage	percentage	NOUN
gp-286	194	17	ranking	ranking	NOUN
gp-286	194	18	gap	gap	NOUN
gp-286	194	19	vs	vs	ADP
gp-286	194	20	next	next	ADJ
gp-286	194	21	priority	priority	NOUN
gp-286	194	22	characteristics	characteristic	NOUN
gp-286	194	23	liquidity	liquidity	NOUN
gp-286	194	24	ratio	ratio	NOUN
gp-286	194	25	(	(	PUNCT
gp-286	194	26	c1.1	c1.1	NOUN
gp-286	194	27	)	)	PUNCT
gp-286	194	28	0.436	0.436	NUM
gp-286	194	29	43.6	43.6	NUM
gp-286	194	30	%	%	NOUN
gp-286	194	31	1	1	NUM
gp-286	194	32	9.9	9.9	NUM
gp-286	194	33	%	%	NOUN
gp-286	194	34	cash	cash	NOUN
gp-286	194	35	flow	flow	NOUN
gp-286	194	36	&	&	CCONJ
gp-286	194	37	payment	payment	NOUN
gp-286	194	38	ability	ability	NOUN
gp-286	194	39	profitability	profitability	NOUN
gp-286	194	40	ratio	ratio	NOUN
gp-286	194	41	(	(	PUNCT
gp-286	194	42	c1.3	c1.3	PROPN
gp-286	194	43	)	)	PUNCT
gp-286	194	44	0.337	0.337	NUM
gp-286	194	45	33.7	33.7	NUM
gp-286	194	46	%	%	NOUN
gp-286	194	47	2	2	NUM
gp-286	194	48	11.0	11.0	NUM
gp-286	194	49	%	%	NOUN
gp-286	194	50	earning	earn	VERB
gp-286	194	51	sustainability	sustainability	NOUN
gp-286	194	52	solitability	solitability	NOUN
gp-286	194	53	ratio	ratio	NOUN
gp-286	194	54	(	(	PUNCT
gp-286	194	55	c1.2	c1.2	PROPN
gp-286	194	56	)	)	PUNCT
gp-286	194	57	0.227	0.227	NUM
gp-286	194	58	22.7	22.7	NUM
gp-286	194	59	%	%	NOUN
gp-286	194	60	3	3	NUM
gp-286	194	61	capital	capital	NOUN
gp-286	194	62	structure	structure	NOUN
gp-286	194	63	stability	stability	NOUN
gp-286	194	64	strategic	strategic	ADJ
gp-286	194	65	interpretation	interpretation	NOUN
gp-286	194	66	:	:	PUNCT
gp-286	194	67	liquidity	liquidity	NOUN
gp-286	194	68	dominance	dominance	NOUN
gp-286	194	69	(	(	PUNCT
gp-286	194	70	43.6	43.6	NUM
gp-286	194	71	%	%	NOUN
gp-286	194	72	)	)	PUNCT
gp-286	194	73	confirms	confirm	VERB
gp-286	194	74	the	the	DET
gp-286	194	75	paradigm	paradigm	NOUN
gp-286	194	76	shift	shift	NOUN
gp-286	194	77	from	from	ADP
gp-286	194	78	profitability	profitability	NOUN
gp-286	194	79	-	-	PUNCT
gp-286	194	80	focused	focus	VERB
gp-286	194	81	to	to	ADP
gp-286	194	82	cash	cash	NOUN
gp-286	194	83	flow	flow	NOUN
gp-286	194	84	-	-	PUNCT
gp-286	194	85	focused	focus	VERB
gp-286	194	86	lending	lending	NOUN
gp-286	194	87	,	,	PUNCT
gp-286	194	88	reflecting	reflect	VERB
gp-286	194	89	the	the	DET
gp-286	194	90	learning	learning	NOUN
gp-286	194	91	that	that	SCONJ
gp-286	194	92	companies	company	NOUN
gp-286	194	93	with	with	ADP
gp-286	194	94	strong	strong	ADJ
gp-286	194	95	cash	cash	NOUN
gp-286	194	96	positions	position	NOUN
gp-286	194	97	are	be	AUX
gp-286	194	98	better	well	ADJ
gp-286	194	99	able	able	ADJ
gp-286	194	100	to	to	PART
gp-286	194	101	survive	survive	VERB
gp-286	194	102	in	in	ADP
gp-286	194	103	uncertainty	uncertainty	NOUN
gp-286	194	104	.	.	PUNCT
gp-286	195	1	profitability	profitability	NOUN
gp-286	195	2	remains	remain	VERB
gp-286	195	3	important	important	ADJ
gp-286	195	4	(	(	PUNCT
gp-286	195	5	33.7	33.7	NUM
gp-286	195	6	%	%	NOUN
gp-286	195	7	)	)	PUNCT
gp-286	195	8	but	but	CCONJ
gp-286	195	9	not	not	PART
gp-286	195	10	a	a	DET
gp-286	195	11	top	top	ADJ
gp-286	195	12	priority	priority	NOUN
gp-286	195	13	,	,	PUNCT
gp-286	195	14	while	while	SCONJ
gp-286	195	15	solvency	solvency	NOUN
gp-286	195	16	(	(	PUNCT
gp-286	195	17	22.7	22.7	NUM
gp-286	195	18	%	%	NOUN
gp-286	195	19	)	)	PUNCT
gp-286	195	20	is	be	AUX
gp-286	195	21	considered	consider	VERB
gp-286	195	22	a	a	DET
gp-286	195	23	supporting	support	VERB
gp-286	195	24	factor	factor	NOUN
gp-286	195	25	.	.	PUNCT
gp-286	196	1	consistency	consistency	NOUN
gp-286	196	2	test	test	NOUN
gp-286	196	3	of	of	ADP
gp-286	196	4	financial	financial	ADJ
gp-286	196	5	performance	performance	NOUN
gp-286	196	6	sub	sub	NOUN
gp-286	196	7	-	-	ADJ
gp-286	196	8	criteria	criterion	NOUN
gp-286	196	9	detailed	detailed	ADJ
gp-286	196	10	consistency	consistency	NOUN
gp-286	196	11	calculation	calculation	NOUN
gp-286	196	12	:	:	PUNCT
gp-286	196	13	λmax	λmax	NOUN
gp-286	196	14	=	=	PUNCT
gp-286	196	15	(	(	PUNCT
gp-286	196	16	0.436	0.436	NUM
gp-286	196	17	×	×	NOUN
gp-286	196	18	2.384	2.384	NUM
gp-286	196	19	)	)	PUNCT
gp-286	197	1	+	+	CCONJ
gp-286	197	2	(	(	PUNCT
gp-286	197	3	0.227	0.227	NUM
gp-286	197	4	×	×	NOUN
gp-286	197	5	4.641	4.641	NUM
gp-286	197	6	)	)	PUNCT
gp-286	197	7	+	+	CCONJ
gp-286	198	1	(	(	PUNCT
gp-286	198	2	0.337	0.337	NUM
gp-286	198	3	×	×	NOUN
gp-286	198	4	2.874	2.874	NUM
gp-286	198	5	)	)	PUNCT
gp-286	199	1	=	=	PUNCT
gp-286	199	2	1.040	1.040	NUM
gp-286	200	1	+	+	NUM
gp-286	200	2	1.054	1.054	NUM
gp-286	200	3	+	+	NUM
gp-286	200	4	0.969	0.969	NUM
gp-286	200	5	=	=	SYM
gp-286	200	6	3.063	3.063	NUM
gp-286	200	7	ci	ci	NOUN
gp-286	200	8	=	=	PUNCT
gp-286	200	9	(	(	PUNCT
gp-286	200	10	3.063	3.063	NUM
gp-286	200	11	3	3	NUM
gp-286	200	12	)	)	PUNCT
gp-286	200	13	/	/	PUNCT
gp-286	200	14	(	(	PUNCT
gp-286	200	15	3	3	NUM
gp-286	200	16	1	1	NUM
gp-286	200	17	)	)	PUNCT
gp-286	200	18	=	=	SYM
gp-286	200	19	0.063	0.063	NUM
gp-286	200	20	/	/	SYM
gp-286	200	21	2	2	NUM
gp-286	200	22	=	=	SYM
gp-286	200	23	0.0315	0.0315	NUM
gp-286	200	24	cr	cr	NOUN
gp-286	200	25	=	=	SYM
gp-286	200	26	0.0315	0.0315	NUM
gp-286	200	27	/	/	SYM
gp-286	200	28	0.58	0.58	NUM
gp-286	200	29	=	=	SYM
gp-286	200	30	0.0543	0.0543	NUM
gp-286	200	31	interpretation	interpretation	NOUN
gp-286	200	32	:	:	PUNCT
gp-286	200	33	cr	cr	X
gp-286	200	34	=	=	PUNCT
gp-286	200	35	0.0543	0.0543	NUM
gp-286	200	36	<	<	X
gp-286	200	37	0.1	0.1	NUM
gp-286	200	38	,	,	PUNCT
gp-286	200	39	is	be	AUX
gp-286	200	40	a	a	DET
gp-286	200	41	consistent	consistent	ADJ
gp-286	200	42	matrix	matrix	NOUN
gp-286	200	43	.	.	PUNCT
gp-286	201	1	a	a	DET
gp-286	201	2	cr	cr	PROPN
gp-286	201	3	value	value	NOUN
gp-286	201	4	of	of	ADP
gp-286	201	5	5.43	5.43	NUM
gp-286	201	6	%	%	NOUN
gp-286	201	7	indicates	indicate	VERB
gp-286	201	8	good	good	ADJ
gp-286	201	9	consistency	consistency	NOUN
gp-286	201	10	although	although	SCONJ
gp-286	201	11	slightly	slightly	ADV
gp-286	201	12	higher	high	ADJ
gp-286	201	13	than	than	ADP
gp-286	201	14	level	level	NOUN
gp-286	201	15	2	2	NUM
gp-286	201	16	,	,	PUNCT
gp-286	201	17	which	which	PRON
gp-286	201	18	is	be	AUX
gp-286	201	19	normal	normal	ADJ
gp-286	201	20	given	give	VERB
gp-286	201	21	the	the	DET
gp-286	201	22	complexity	complexity	NOUN
gp-286	201	23	of	of	ADP
gp-286	201	24	the	the	DET
gp-286	201	25	more	more	ADV
gp-286	201	26	detailed	detailed	ADJ
gp-286	201	27	sub	sub	ADJ
gp-286	201	28	-	-	NOUN
gp-286	201	29	criteria	criterion	NOUN
gp-286	201	30	assessment	assessment	NOUN
gp-286	201	31	.	.	PUNCT
gp-286	202	1	ahp	ahp	PROPN
gp-286	202	2	manual	manual	ADJ
gp-286	202	3	level	level	NOUN
gp-286	202	4	3b	3b	NOUN
gp-286	202	5	and	and	CCONJ
gp-286	202	6	3c	3c	NUM
gp-286	202	7	analysis	analysis	NOUN
gp-286	202	8	collateral	collateral	ADJ
gp-286	202	9	sub	sub	NOUN
gp-286	202	10	-	-	NOUN
gp-286	202	11	criteria	criterion	NOUN
gp-286	202	12	and	and	CCONJ
gp-286	202	13	business	business	NOUN
gp-286	202	14	type	type	NOUN
gp-286	202	15	sub	sub	NOUN
gp-286	202	16	-	-	NOUN
gp-286	202	17	criteria	criterion	NOUN
gp-286	202	18	of	of	ADP
gp-286	202	19	collateral	collateral	ADJ
gp-286	202	20	assessment	assessment	NOUN
gp-286	202	21	:	:	PUNCT
gp-286	202	22	balanced	balanced	ADJ
gp-286	202	23	assessment	assessment	NOUN
gp-286	202	24	approach	approach	VERB
gp-286	202	25	the	the	DET
gp-286	202	26	analysis	analysis	NOUN
gp-286	202	27	of	of	ADP
gp-286	202	28	collateral	collateral	ADJ
gp-286	202	29	assessment	assessment	NOUN
gp-286	202	30	sub	sub	NOUN
gp-286	202	31	-	-	NOUN
gp-286	202	32	criteria	criterion	NOUN
gp-286	202	33	reveals	reveal	VERB
gp-286	202	34	a	a	DET
gp-286	202	35	near	near	ADV
gp-286	202	36	-	-	PUNCT
gp-286	202	37	balanced	balanced	ADJ
gp-286	202	38	preference	preference	NOUN
gp-286	202	39	between	between	ADP
gp-286	202	40	the	the	DET
gp-286	202	41	value	value	NOUN
gp-286	202	42	and	and	CCONJ
gp-286	202	43	physical	physical	ADJ
gp-286	202	44	aspects	aspect	NOUN
gp-286	202	45	of	of	ADP
gp-286	202	46	collateral	collateral	NOUN
gp-286	202	47	,	,	PUNCT
gp-286	202	48	reflecting	reflect	VERB
gp-286	202	49	the	the	DET
gp-286	202	50	sophisticated	sophisticated	ADJ
gp-286	202	51	understanding	understanding	NOUN
gp-286	202	52	that	that	SCONJ
gp-286	202	53	effective	effective	ADJ
gp-286	202	54	collateral	collateral	ADJ
gp-286	202	55	assessment	assessment	NOUN
gp-286	202	56	requires	require	VERB
gp-286	202	57	a	a	DET
gp-286	202	58	dual	dual	ADJ
gp-286	202	59	perspective	perspective	NOUN
gp-286	202	60	.	.	PUNCT
gp-286	203	1	table	table	NOUN
gp-286	203	2	12	12	NUM
gp-286	203	3	.	.	PUNCT
gp-286	204	1	analysis	analysis	NOUN
gp-286	204	2	of	of	ADP
gp-286	204	3	collateral	collateral	ADJ
gp-286	204	4	assessment	assessment	NOUN
gp-286	204	5	sub	sub	NOUN
gp-286	204	6	-	-	NOUN
gp-286	204	7	criteria	criteria	ADJ
gp-286	204	8	sub	sub	ADJ
gp-286	204	9	-	-	ADJ
gp-286	204	10	criteria	criterion	NOUN
gp-286	204	11	geometric	geometric	ADJ
gp-286	204	12	mean	mean	NOUN
gp-286	204	13	local	local	ADJ
gp-286	204	14	weights	weight	NOUN
gp-286	204	15	percentage	percentage	NOUN
gp-286	204	16	key	key	ADJ
gp-286	204	17	characteristics	characteristic	NOUN
gp-286	204	18	collateral	collateral	ADJ
gp-286	204	19	value	value	NOUN
gp-286	204	20	(	(	PUNCT
gp-286	204	21	c2.1	c2.1	NOUN
gp-286	204	22	)	)	PUNCT
gp-286	204	23	1.115	1.115	NUM
gp-286	204	24	0.527	0.527	NUM
gp-286	204	25	52.7	52.7	NUM
gp-286	204	26	%	%	NOUN
gp-286	204	27	coverage	coverage	NOUN
gp-286	204	28	ratio	ratio	NOUN
gp-286	204	29	,	,	PUNCT
gp-286	204	30	valuation	valuation	NOUN
gp-286	204	31	quality	quality	NOUN
gp-286	204	32	physical	physical	ADJ
gp-286	204	33	collateral	collateral	NOUN
gp-286	204	34	(	(	PUNCT
gp-286	204	35	c2.2	c2.2	NOUN
gp-286	204	36	)	)	PUNCT
gp-286	204	37	0.897	0.897	NUM
gp-286	204	38	0.473	0.473	NUM
gp-286	204	39	47.3	47.3	NUM
gp-286	204	40	%	%	NOUN
gp-286	204	41	marketability	marketability	NOUN
gp-286	204	42	,	,	PUNCT
gp-286	204	43	liquidity	liquidity	NOUN
gp-286	204	44	,	,	PUNCT
gp-286	204	45	location	location	NOUN
gp-286	204	46	the	the	DET
gp-286	204	47	geometric	geometric	ADJ
gp-286	204	48	mean	mean	NOUN
gp-286	204	49	of	of	ADP
gp-286	204	50	1.115	1.115	NUM
gp-286	204	51	indicates	indicate	VERB
gp-286	204	52	a	a	DET
gp-286	204	53	slight	slight	ADJ
gp-286	204	54	preference	preference	NOUN
gp-286	204	55	for	for	ADP
gp-286	204	56	collateral	collateral	ADJ
gp-286	204	57	value	value	NOUN
gp-286	204	58	,	,	PUNCT
gp-286	204	59	but	but	CCONJ
gp-286	204	60	a	a	DET
gp-286	204	61	small	small	ADJ
gp-286	204	62	gap	gap	NOUN
gp-286	204	63	(	(	PUNCT
gp-286	204	64	5.4	5.4	NUM
gp-286	204	65	%	%	NOUN
gp-286	204	66	)	)	PUNCT
gp-286	204	67	indicates	indicate	VERB
gp-286	204	68	that	that	SCONJ
gp-286	204	69	both	both	DET
gp-286	204	70	aspects	aspect	NOUN
gp-286	204	71	are	be	AUX
gp-286	204	72	considered	consider	VERB
gp-286	204	73	equally	equally	ADV
gp-286	204	74	important	important	ADJ
gp-286	204	75	.	.	PUNCT
gp-286	205	1	this	this	PRON
gp-286	205	2	reflects	reflect	VERB
gp-286	205	3	a	a	DET
gp-286	205	4	balanced	balanced	ADJ
gp-286	205	5	risk	risk	NOUN
gp-286	205	6	management	management	NOUN
gp-286	205	7	approach	approach	NOUN
gp-286	205	8	where	where	SCONJ
gp-286	205	9	adequacy	adequacy	NOUN
gp-286	205	10	of	of	ADP
gp-286	205	11	value	value	NOUN
gp-286	205	12	must	must	AUX
gp-286	205	13	be	be	AUX
gp-286	205	14	balanced	balance	VERB
gp-286	205	15	with	with	ADP
gp-286	205	16	ease	ease	NOUN
gp-286	205	17	of	of	ADP
gp-286	205	18	execution	execution	NOUN
gp-286	205	19	.	.	PUNCT
gp-286	206	1	analysis	analysis	NOUN
gp-286	206	2	of	of	ADP
gp-286	206	3	financial	financial	ADJ
gp-286	206	4	performance	performance	NOUN
gp-286	206	5	characteristics	characteristic	NOUN
gp-286	206	6	,	,	PUNCT
gp-286	206	7	collateral	collateral	ADJ
gp-286	206	8	assessment	assessment	NOUN
gp-286	206	9	and	and	CCONJ
gp-286	206	10	business	business	NOUN
gp-286	206	11	type	type	NOUN
gp-286	206	12	in	in	ADP
gp-286	206	13	the	the	DET
gp-286	206	14	decision	decision	NOUN
gp-286	206	15	to	to	PART
gp-286	206	16	provide	provide	VERB
gp-286	206	17	medium	medium	ADJ
gp-286	206	18	credit	credit	NOUN
gp-286	206	19	facilities	facility	NOUN
gp-286	206	20	at	at	ADP
gp-286	206	21	bri	bri	PROPN
gp-286	206	22	denpasar	denpasar	NOUN
gp-286	206	23	using	use	VERB
gp-286	206	24	the	the	DET
gp-286	206	25	analytical	analytical	ADJ
gp-286	206	26	hierarchy	hierarchy	NOUN
gp-286	206	27	process	process	NOUN
gp-286	206	28	method	method	NOUN
gp-286	206	29	1239	1239	NUM
gp-286	206	30	sub	sub	NOUN
gp-286	206	31	-	-	NOUN
gp-286	206	32	criteria	criterion	NOUN
gp-286	206	33	for	for	ADP
gp-286	206	34	business	business	NOUN
gp-286	206	35	type	type	NOUN
gp-286	206	36	:	:	PUNCT
gp-286	206	37	character	character	NOUN
gp-286	206	38	over	over	ADP
gp-286	206	39	condition	condition	NOUN
gp-286	206	40	the	the	DET
gp-286	206	41	analysis	analysis	NOUN
gp-286	206	42	of	of	ADP
gp-286	206	43	the	the	DET
gp-286	206	44	sub	sub	NOUN
gp-286	206	45	-	-	NOUN
gp-286	206	46	criteria	criterion	NOUN
gp-286	206	47	of	of	ADP
gp-286	206	48	the	the	DET
gp-286	206	49	type	type	NOUN
gp-286	206	50	of	of	ADP
gp-286	206	51	business	business	NOUN
gp-286	206	52	confirms	confirm	VERB
gp-286	206	53	the	the	DET
gp-286	206	54	fundamental	fundamental	ADJ
gp-286	206	55	paradigm	paradigm	NOUN
gp-286	206	56	shift	shift	NOUN
gp-286	206	57	in	in	ADP
gp-286	206	58	credit	credit	NOUN
gp-286	206	59	assessment	assessment	NOUN
gp-286	206	60	from	from	ADP
gp-286	206	61	condition	condition	NOUN
gp-286	206	62	-	-	PUNCT
gp-286	206	63	based	base	VERB
gp-286	206	64	to	to	ADP
gp-286	206	65	character	character	NOUN
gp-286	206	66	-	-	PUNCT
gp-286	206	67	based	base	VERB
gp-286	206	68	evaluation	evaluation	NOUN
gp-286	206	69	.	.	PUNCT
gp-286	207	1	table	table	NOUN
gp-286	207	2	13	13	NUM
gp-286	207	3	.	.	PUNCT
gp-286	208	1	sub	sub	NOUN
gp-286	208	2	-	-	NOUN
gp-286	208	3	criteria	criterion	NOUN
gp-286	208	4	analysis	analysis	NOUN
gp-286	208	5	of	of	ADP
gp-286	208	6	business	business	NOUN
gp-286	208	7	type	type	NOUN
gp-286	208	8	sub	sub	ADJ
gp-286	208	9	-	-	ADJ
gp-286	208	10	criteria	criterion	NOUN
gp-286	208	11	geometric	geometric	ADJ
gp-286	208	12	mean	mean	NOUN
gp-286	208	13	local	local	ADJ
gp-286	208	14	weights	weight	NOUN
gp-286	208	15	percentage	percentage	NOUN
gp-286	208	16	assessment	assessment	NOUN
gp-286	208	17	focus	focus	NOUN
gp-286	208	18	business	business	NOUN
gp-286	208	19	sector	sector	NOUN
gp-286	208	20	(	(	PUNCT
gp-286	208	21	c3.1	c3.1	PROPN
gp-286	208	22	)	)	PUNCT
gp-286	208	23	0.830	0.830	NUM
gp-286	208	24	0.454	0.454	NUM
gp-286	208	25	45.4	45.4	NUM
gp-286	208	26	%	%	NOUN
gp-286	208	27	industry	industry	NOUN
gp-286	208	28	outlook	outlook	NOUN
gp-286	208	29	,	,	PUNCT
gp-286	208	30	regulatory	regulatory	ADJ
gp-286	208	31	environment	environment	NOUN
gp-286	208	32	business	business	NOUN
gp-286	208	33	history	history	NOUN
gp-286	208	34	(	(	PUNCT
gp-286	208	35	c3.2	c3.2	PROPN
gp-286	208	36	)	)	PUNCT
gp-286	208	37	1.205	1.205	NUM
gp-286	208	38	0.546	0.546	NUM
gp-286	208	39	54.6	54.6	NUM
gp-286	208	40	%	%	NOUN
gp-286	208	41	track	track	NOUN
gp-286	208	42	record	record	NOUN
gp-286	208	43	,	,	PUNCT
gp-286	208	44	management	management	NOUN
gp-286	208	45	integrity	integrity	NOUN
gp-286	208	46	the	the	DET
gp-286	208	47	dominance	dominance	NOUN
gp-286	208	48	of	of	ADP
gp-286	208	49	business	business	NOUN
gp-286	208	50	history	history	NOUN
gp-286	208	51	(	(	PUNCT
gp-286	208	52	54.6	54.6	NUM
gp-286	208	53	%	%	NOUN
gp-286	208	54	)	)	PUNCT
gp-286	208	55	over	over	ADP
gp-286	208	56	the	the	DET
gp-286	208	57	business	business	NOUN
gp-286	208	58	sector	sector	NOUN
gp-286	208	59	(	(	PUNCT
gp-286	208	60	45.4	45.4	NUM
gp-286	208	61	%	%	NOUN
gp-286	208	62	)	)	PUNCT
gp-286	208	63	with	with	ADP
gp-286	208	64	a	a	DET
gp-286	208	65	gap	gap	NOUN
gp-286	208	66	of	of	ADP
gp-286	208	67	9.2	9.2	NUM
gp-286	208	68	%	%	NOUN
gp-286	208	69	empirically	empirically	ADV
gp-286	208	70	confirms	confirm	VERB
gp-286	208	71	that	that	SCONJ
gp-286	208	72	character	character	NOUN
gp-286	208	73	and	and	CCONJ
gp-286	208	74	track	track	NOUN
gp-286	208	75	record	record	NOUN
gp-286	208	76	are	be	AUX
gp-286	208	77	considered	consider	VERB
gp-286	208	78	more	more	ADV
gp-286	208	79	predictive	predictive	ADJ
gp-286	208	80	than	than	ADP
gp-286	208	81	industry	industry	NOUN
gp-286	208	82	conditions	condition	NOUN
gp-286	208	83	.	.	PUNCT
gp-286	209	1	these	these	DET
gp-286	209	2	findings	finding	NOUN
gp-286	209	3	are	be	AUX
gp-286	209	4	in	in	ADP
gp-286	209	5	line	line	NOUN
gp-286	209	6	with	with	ADP
gp-286	209	7	post	post	ADJ
gp-286	209	8	-	-	ADJ
gp-286	209	9	pandemic	pandemic	ADJ
gp-286	209	10	learning	learning	NOUN
gp-286	209	11	where	where	SCONJ
gp-286	209	12	business	business	NOUN
gp-286	209	13	resilience	resilience	NOUN
gp-286	209	14	is	be	AUX
gp-286	209	15	more	more	ADV
gp-286	209	16	related	related	ADJ
gp-286	209	17	to	to	ADP
gp-286	209	18	management	management	NOUN
gp-286	209	19	quality	quality	NOUN
gp-286	209	20	than	than	ADP
gp-286	209	21	sector	sector	NOUN
gp-286	209	22	favorability	favorability	NOUN
gp-286	209	23	.	.	PUNCT
gp-286	210	1	global	global	ADJ
gp-286	210	2	weight	weight	NOUN
gp-286	210	3	calculation	calculation	NOUN
gp-286	210	4	and	and	CCONJ
gp-286	210	5	final	final	ADJ
gp-286	210	6	priority	priority	NOUN
gp-286	210	7	ranking	rank	VERB
gp-286	210	8	synthesis	synthesis	NOUN
gp-286	210	9	of	of	ADP
gp-286	210	10	hierarchy	hierarchy	NOUN
gp-286	210	11	and	and	CCONJ
gp-286	210	12	global	global	ADJ
gp-286	210	13	weight	weight	NOUN
gp-286	210	14	formulas	formula	VERB
gp-286	210	15	the	the	DET
gp-286	210	16	calculation	calculation	NOUN
gp-286	210	17	of	of	ADP
gp-286	210	18	global	global	ADJ
gp-286	210	19	weights	weight	NOUN
gp-286	210	20	integrates	integrate	NOUN
gp-286	210	21	all	all	DET
gp-286	210	22	levels	level	NOUN
gp-286	210	23	of	of	ADP
gp-286	210	24	the	the	DET
gp-286	210	25	hierarchy	hierarchy	NOUN
gp-286	210	26	through	through	ADP
gp-286	210	27	multiplicative	multiplicative	ADJ
gp-286	210	28	synthesis	synthesis	NOUN
gp-286	210	29	where	where	SCONJ
gp-286	210	30	the	the	DET
gp-286	210	31	global	global	ADJ
gp-286	210	32	weight	weight	NOUN
gp-286	210	33	of	of	ADP
gp-286	210	34	each	each	DET
gp-286	210	35	sub	sub	NOUN
gp-286	210	36	-	-	NOUN
gp-286	210	37	criterion	criterion	NOUN
gp-286	210	38	is	be	AUX
gp-286	210	39	calculated	calculate	VERB
gp-286	210	40	with	with	ADP
gp-286	210	41	the	the	DET
gp-286	210	42	formula	formula	NOUN
gp-286	210	43	:	:	PUNCT
gp-286	210	44	global	global	ADJ
gp-286	210	45	weight	weight	NOUN
gp-286	210	46	=	=	SYM
gp-286	210	47	criterion	criterion	NOUN
gp-286	210	48	weight	weight	NOUN
gp-286	210	49	(	(	PUNCT
gp-286	210	50	level	level	NOUN
gp-286	210	51	2	2	NUM
gp-286	210	52	)	)	PUNCT
gp-286	210	53	×	×	NOUN
gp-286	210	54	local	local	ADJ
gp-286	210	55	weight	weight	NOUN
gp-286	210	56	sub	sub	NOUN
gp-286	210	57	-	-	NOUN
gp-286	210	58	criteria	criterion	NOUN
gp-286	210	59	(	(	PUNCT
gp-286	210	60	level	level	NOUN
gp-286	210	61	3	3	NUM
gp-286	210	62	)	)	PUNCT
gp-286	210	63	table	table	NOUN
gp-286	210	64	14	14	NUM
gp-286	210	65	.	.	PUNCT
gp-286	211	1	comprehensive	comprehensive	ADJ
gp-286	211	2	calculation	calculation	NOUN
gp-286	211	3	of	of	ADP
gp-286	211	4	global	global	ADJ
gp-286	211	5	weights	weight	NOUN
gp-286	211	6	sub	sub	ADJ
gp-286	211	7	-	-	ADJ
gp-286	211	8	criteria	criteria	ADJ
gp-286	211	9	master	master	NOUN
gp-286	211	10	criteria	criterion	NOUN
gp-286	211	11	bobot	bobot	PROPN
gp-286	211	12	level	level	PROPN
gp-286	211	13	2	2	NUM
gp-286	211	14	local	local	ADJ
gp-286	211	15	weights	weight	NOUN
gp-286	211	16	global	global	ADJ
gp-286	211	17	weight	weight	NOUN
gp-286	211	18	percentage	percentage	NOUN
gp-286	211	19	relative	relative	ADJ
gp-286	211	20	contribution	contribution	NOUN
gp-286	211	21	liquidity	liquidity	NOUN
gp-286	211	22	ratio	ratio	NOUN
gp-286	211	23	(	(	PUNCT
gp-286	211	24	c1.1	c1.1	NOUN
gp-286	211	25	)	)	PUNCT
gp-286	211	26	financial	financial	ADJ
gp-286	211	27	performance	performance	NOUN
gp-286	211	28	0.543	0.543	NUM
gp-286	211	29	0.436	0.436	NUM
gp-286	211	30	0.237	0.237	NUM
gp-286	211	31	23.7	23.7	NUM
gp-286	211	32	%	%	NOUN
gp-286	211	33	highest	high	ADJ
gp-286	211	34	profitability	profitability	NOUN
gp-286	211	35	ratio	ratio	NOUN
gp-286	211	36	(	(	PUNCT
gp-286	211	37	c1.3	c1.3	NOUN
gp-286	211	38	)	)	PUNCT
gp-286	211	39	financial	financial	ADJ
gp-286	211	40	performance	performance	NOUN
gp-286	211	41	0.543	0.543	NUM
gp-286	211	42	0.337	0.337	NUM
gp-286	211	43	0.183	0.183	NUM
gp-286	211	44	18.3	18.3	NUM
gp-286	211	45	%	%	NOUN
gp-286	211	46	tall	tall	ADJ
gp-286	211	47	solitability	solitability	NOUN
gp-286	211	48	ratio	ratio	NOUN
gp-286	211	49	(	(	PUNCT
gp-286	211	50	c1.2	c1.2	ADJ
gp-286	211	51	)	)	PUNCT
gp-286	211	52	financial	financial	ADJ
gp-286	211	53	performance	performance	NOUN
gp-286	211	54	0.543	0.543	NUM
gp-286	211	55	0.227	0.227	NUM
gp-286	211	56	0.123	0.123	NUM
gp-286	211	57	12.3	12.3	NUM
gp-286	211	58	%	%	NOUN
gp-286	211	59	keep	keep	VERB
gp-286	211	60	collateral	collateral	ADJ
gp-286	211	61	value	value	NOUN
gp-286	211	62	(	(	PUNCT
gp-286	211	63	c2.1	c2.1	NOUN
gp-286	211	64	)	)	PUNCT
gp-286	211	65	collateral	collateral	ADJ
gp-286	211	66	valuation	valuation	NOUN
gp-286	211	67	0.237	0.237	NUM
gp-286	211	68	0.527	0.527	NUM
gp-286	211	69	0.125	0.125	NUM
gp-286	211	70	12.5	12.5	NUM
gp-286	211	71	%	%	NOUN
gp-286	211	72	keep	keep	NOUN
gp-286	211	73	business	business	NOUN
gp-286	211	74	history	history	NOUN
gp-286	211	75	(	(	PUNCT
gp-286	211	76	c3.2	c3.2	PROPN
gp-286	211	77	)	)	PUNCT
gp-286	211	78	type	type	NOUN
gp-286	211	79	of	of	ADP
gp-286	211	80	business	business	NOUN
gp-286	211	81	0.220	0.220	NUM
gp-286	211	82	0.546	0.546	NUM
gp-286	211	83	0.120	0.120	NUM
gp-286	211	84	12.0	12.0	NUM
gp-286	211	85	%	%	NOUN
gp-286	211	86	keep	keep	VERB
gp-286	211	87	physical	physical	ADJ
gp-286	211	88	collateral	collateral	NOUN
gp-286	211	89	(	(	PUNCT
gp-286	211	90	c2.2	c2.2	NOUN
gp-286	211	91	)	)	PUNCT
gp-286	211	92	collateral	collateral	ADJ
gp-286	211	93	valuation	valuation	NOUN
gp-286	211	94	0.237	0.237	NUM
gp-286	211	95	0.473	0.473	NUM
gp-286	211	96	0.112	0.112	NUM
gp-286	211	97	11.2	11.2	NUM
gp-286	211	98	%	%	NOUN
gp-286	211	99	medium	medium	ADJ
gp-286	211	100	-	-	PUNCT
gp-286	211	101	low	low	ADJ
gp-286	211	102	business	business	NOUN
gp-286	211	103	sector	sector	NOUN
gp-286	211	104	(	(	PUNCT
gp-286	211	105	c3.1	c3.1	NOUN
gp-286	211	106	)	)	PUNCT
gp-286	211	107	type	type	NOUN
gp-286	211	108	of	of	ADP
gp-286	211	109	business	business	NOUN
gp-286	211	110	0.220	0.220	NUM
gp-286	211	111	0.454	0.454	NUM
gp-286	211	112	0.100	0.100	NUM
gp-286	211	113	10.0	10.0	NUM
gp-286	211	114	%	%	NOUN
gp-286	211	115	lowest	low	ADJ
gp-286	211	116	mathematical	mathematical	ADJ
gp-286	211	117	validation	validation	NOUN
gp-286	211	118	:	:	PUNCT
gp-286	211	119	total	total	ADJ
gp-286	211	120	global	global	ADJ
gp-286	211	121	weights	weight	NOUN
gp-286	211	122	=	=	SYM
gp-286	211	123	1,000	1,000	NUM
gp-286	211	124	✓	✓	ADJ
gp-286	211	125	final	final	ADJ
gp-286	211	126	global	global	ADJ
gp-286	211	127	priority	priority	NOUN
gp-286	211	128	ranking	rank	VERB
gp-286	211	129	with	with	ADP
gp-286	211	130	strategic	strategic	ADJ
gp-286	211	131	analysis	analysis	NOUN
gp-286	211	132	table	table	NOUN
gp-286	211	133	15	15	NUM
gp-286	211	134	.	.	PUNCT
gp-286	212	1	global	global	ADJ
gp-286	212	2	priority	priority	NOUN
gp-286	212	3	ranking	ranking	ADJ
gp-286	212	4	and	and	CCONJ
gp-286	212	5	strategic	strategic	ADJ
gp-286	212	6	implications	implication	NOUN
gp-286	212	7	rank	rank	VERB
gp-286	212	8	sub	sub	NOUN
gp-286	212	9	-	-	NOUN
gp-286	212	10	criteria	criterion	NOUN
gp-286	212	11	weight	weight	NOUN
gp-286	212	12	gap	gap	NOUN
gp-286	212	13	vs	vs	ADP
gp-286	212	14	next	next	ADJ
gp-286	212	15	category	category	NOUN
gp-286	212	16	practical	practical	ADJ
gp-286	212	17	implications	implication	NOUN
gp-286	212	18	analysis	analysis	NOUN
gp-286	212	19	of	of	ADP
gp-286	212	20	financial	financial	ADJ
gp-286	212	21	performance	performance	NOUN
gp-286	212	22	characteristics	characteristic	NOUN
gp-286	212	23	,	,	PUNCT
gp-286	212	24	collateral	collateral	ADJ
gp-286	212	25	assessment	assessment	NOUN
gp-286	212	26	and	and	CCONJ
gp-286	212	27	business	business	NOUN
gp-286	212	28	type	type	NOUN
gp-286	212	29	in	in	ADP
gp-286	212	30	the	the	DET
gp-286	212	31	decision	decision	NOUN
gp-286	212	32	to	to	PART
gp-286	212	33	provide	provide	VERB
gp-286	212	34	medium	medium	ADJ
gp-286	212	35	credit	credit	NOUN
gp-286	212	36	facilities	facility	NOUN
gp-286	212	37	at	at	ADP
gp-286	212	38	bri	bri	PROPN
gp-286	212	39	denpasar	denpasar	NOUN
gp-286	212	40	using	use	VERB
gp-286	212	41	the	the	DET
gp-286	212	42	analytical	analytical	ADJ
gp-286	212	43	hierarchy	hierarchy	NOUN
gp-286	212	44	process	process	NOUN
gp-286	212	45	method	method	NOUN
gp-286	212	46	1240	1240	NUM
gp-286	212	47	1	1	NUM
gp-286	212	48	racial	racial	ADJ
gp-286	212	49	liquiditis	liquiditis	PROPN
gp-286	212	50	23.7	23.7	NUM
gp-286	212	51	%	%	NOUN
gp-286	212	52	5.4	5.4	NUM
gp-286	212	53	%	%	NOUN
gp-286	212	54	super	super	ADJ
gp-286	212	55	priority	priority	NOUN
gp-286	212	56	focus	focus	NOUN
gp-286	212	57	utama	utama	NOUN
gp-286	212	58	:	:	PUNCT
gp-286	212	59	cash	cash	NOUN
gp-286	212	60	flow	flow	NOUN
gp-286	212	61	analysis	analysis	NOUN
gp-286	212	62	2	2	NUM
gp-286	212	63	profitability	profitability	NOUN
gp-286	212	64	ratio	ratio	NOUN
gp-286	212	65	18.3	18.3	NUM
gp-286	212	66	%	%	NOUN
gp-286	212	67	5.8	5.8	NUM
gp-286	212	68	%	%	NOUN
gp-286	212	69	high	high	ADJ
gp-286	212	70	priority	priority	NOUN
gp-286	212	71	sustainability	sustainability	NOUN
gp-286	212	72	vs	vs	ADP
gp-286	212	73	growth	growth	NOUN
gp-286	212	74	balance	balance	NOUN
gp-286	212	75	3	3	NUM
gp-286	212	76	collateral	collateral	NOUN
gp-286	212	77	value	value	NOUN
gp-286	212	78	12.5	12.5	NUM
gp-286	212	79	%	%	NOUN
gp-286	212	80	0.5	0.5	NUM
gp-286	212	81	%	%	NOUN
gp-286	212	82	medium	medium	ADJ
gp-286	212	83	priority	priority	NOUN
gp-286	212	84	adequate	adequate	ADJ
gp-286	212	85	coverage	coverage	NOUN
gp-286	212	86	essential	essential	ADJ
gp-286	212	87	4	4	NUM
gp-286	212	88	solvency	solvency	NOUN
gp-286	212	89	ratio	ratio	NOUN
gp-286	212	90	12.3	12.3	NUM
gp-286	212	91	%	%	NOUN
gp-286	212	92	0.3	0.3	NUM
gp-286	212	93	%	%	NOUN
gp-286	212	94	medium	medium	ADJ
gp-286	212	95	priority	priority	NOUN
gp-286	212	96	capital	capital	NOUN
gp-286	212	97	structure	structure	NOUN
gp-286	212	98	monitoring	monitor	VERB
gp-286	212	99	5	5	NUM
gp-286	212	100	business	business	NOUN
gp-286	212	101	history	history	NOUN
gp-286	212	102	12.0	12.0	NUM
gp-286	212	103	%	%	NOUN
gp-286	212	104	0.8	0.8	NUM
gp-286	212	105	%	%	NOUN
gp-286	212	106	medium	medium	NOUN
gp-286	212	107	priority	priority	NOUN
gp-286	212	108	character	character	NOUN
gp-286	212	109	assessment	assessment	NOUN
gp-286	212	110	crucial	crucial	ADJ
gp-286	212	111	6	6	NUM
gp-286	212	112	physical	physical	ADJ
gp-286	212	113	collateral	collateral	NOUN
gp-286	212	114	11.2	11.2	NUM
gp-286	212	115	%	%	NOUN
gp-286	212	116	1.2	1.2	NUM
gp-286	212	117	%	%	NOUN
gp-286	212	118	medium	medium	ADJ
gp-286	212	119	-	-	PUNCT
gp-286	212	120	low	low	ADJ
gp-286	212	121	priority	priority	NOUN
gp-286	212	122	marketability	marketability	NOUN
gp-286	212	123	consideration	consideration	NOUN
gp-286	212	124	7	7	NUM
gp-286	212	125	business	business	NOUN
gp-286	212	126	sector	sector	NOUN
gp-286	212	127	10.0	10.0	NUM
gp-286	212	128	%	%	NOUN
gp-286	212	129	supporting	support	VERB
gp-286	212	130	factor	factor	NOUN
gp-286	212	131	industry	industry	NOUN
gp-286	212	132	context	context	NOUN
gp-286	212	133	awareness	awareness	NOUN
gp-286	212	134	gap	gap	NOUN
gp-286	212	135	and	and	CCONJ
gp-286	212	136	clustering	cluster	VERB
gp-286	212	137	analysis	analysis	NOUN
gp-286	212	138	:	:	PUNCT
gp-286	212	139	a.	a.	NOUN
gp-286	212	140	tier	tier	NOUN
gp-286	212	141	1	1	NUM
gp-286	212	142	(	(	PUNCT
gp-286	212	143	super	super	ADJ
gp-286	212	144	priority	priority	NOUN
gp-286	212	145	):	):	PUNCT
gp-286	212	146	liquidity	liquidity	NOUN
gp-286	212	147	with	with	ADP
gp-286	212	148	a	a	DET
gp-286	212	149	significant	significant	ADJ
gp-286	212	150	gap	gap	NOUN
gp-286	212	151	of	of	ADP
gp-286	212	152	5.4	5.4	NUM
gp-286	212	153	%	%	NOUN
gp-286	212	154	b.	b.	NOUN
gp-286	212	155	tier	tier	NOUN
gp-286	212	156	2	2	NUM
gp-286	212	157	(	(	PUNCT
gp-286	212	158	high	high	ADJ
gp-286	212	159	priority	priority	NOUN
gp-286	212	160	):	):	PUNCT
gp-286	212	161	profitability	profitability	NOUN
gp-286	212	162	with	with	ADP
gp-286	212	163	substantial	substantial	ADJ
gp-286	212	164	weight	weight	NOUN
gp-286	212	165	c.	c.	NOUN
gp-286	212	166	tier	tier	NOUN
gp-286	212	167	3	3	NUM
gp-286	212	168	(	(	PUNCT
gp-286	212	169	medium	medium	ADJ
gp-286	212	170	priority	priority	NOUN
gp-286	212	171	):	):	PUNCT
gp-286	212	172	12	12	NUM
gp-286	212	173	-	-	SYM
gp-286	212	174	13	13	NUM
gp-286	212	175	%	%	NOUN
gp-286	212	176	cluster	cluster	NOUN
gp-286	212	177	(	(	PUNCT
gp-286	212	178	collateral	collateral	NOUN
gp-286	212	179	value	value	NOUN
gp-286	212	180	,	,	PUNCT
gp-286	212	181	solvency	solvency	NOUN
gp-286	212	182	,	,	PUNCT
gp-286	212	183	business	business	NOUN
gp-286	212	184	history	history	NOUN
gp-286	212	185	)	)	PUNCT
gp-286	212	186	d.	d.	PROPN
gp-286	212	187	tier	tier	NOUN
gp-286	212	188	4	4	NUM
gp-286	212	189	(	(	PUNCT
gp-286	212	190	supporting	support	VERB
gp-286	212	191	):	):	PUNCT
gp-286	212	192	physical	physical	ADJ
gp-286	212	193	collateral	collateral	NOUN
gp-286	212	194	and	and	CCONJ
gp-286	212	195	business	business	NOUN
gp-286	212	196	sector	sector	NOUN
gp-286	212	197	gap	gap	NOUN
gp-286	212	198	analysis	analysis	NOUN
gp-286	212	199	shows	show	VERB
gp-286	212	200	that	that	SCONJ
gp-286	212	201	despite	despite	SCONJ
gp-286	212	202	dominant	dominant	ADJ
gp-286	212	203	liquidity	liquidity	NOUN
gp-286	212	204	,	,	PUNCT
gp-286	212	205	no	no	DET
gp-286	212	206	single	single	ADJ
gp-286	212	207	factor	factor	NOUN
gp-286	212	208	is	be	AUX
gp-286	212	209	overwhelmingly	overwhelmingly	ADV
gp-286	212	210	dominant	dominant	ADJ
gp-286	212	211	,	,	PUNCT
gp-286	212	212	indicating	indicate	VERB
gp-286	212	213	a	a	DET
gp-286	212	214	sophisticated	sophisticated	ADJ
gp-286	212	215	balanced	balanced	ADJ
gp-286	212	216	assessment	assessment	NOUN
gp-286	212	217	approach	approach	NOUN
gp-286	212	218	.	.	PUNCT
gp-286	213	1	spicelogic	spicelogic	ADJ
gp-286	213	2	validation	validation	NOUN
gp-286	213	3	and	and	CCONJ
gp-286	213	4	model	model	NOUN
gp-286	213	5	stability	stability	PROPN
gp-286	213	6	cross	cross	NOUN
gp-286	213	7	-	-	NOUN
gp-286	213	8	validation	validation	ADJ
gp-286	213	9	with	with	ADP
gp-286	213	10	software	software	NOUN
gp-286	213	11	professional	professional	ADJ
gp-286	213	12	validation	validation	NOUN
gp-286	213	13	using	use	VERB
gp-286	213	14	spicelogic	spicelogic	ADJ
gp-286	213	15	ahp	ahp	PROPN
gp-286	213	16	professional	professional	NOUN
gp-286	213	17	is	be	AUX
gp-286	213	18	carried	carry	VERB
gp-286	213	19	out	out	ADP
gp-286	213	20	to	to	PART
gp-286	213	21	ensure	ensure	VERB
gp-286	213	22	the	the	DET
gp-286	213	23	accuracy	accuracy	NOUN
gp-286	213	24	and	and	CCONJ
gp-286	213	25	reliability	reliability	NOUN
gp-286	213	26	of	of	ADP
gp-286	213	27	manual	manual	ADJ
gp-286	213	28	calculation	calculation	NOUN
gp-286	213	29	results	result	NOUN
gp-286	213	30	.	.	PUNCT
gp-286	214	1	this	this	DET
gp-286	214	2	software	software	NOUN
gp-286	214	3	uses	use	VERB
gp-286	214	4	the	the	DET
gp-286	214	5	exact	exact	ADJ
gp-286	214	6	eigenvalue	eigenvalue	NOUN
gp-286	214	7	method	method	NOUN
gp-286	214	8	with	with	ADP
gp-286	214	9	high	high	ADJ
gp-286	214	10	precision	precision	NOUN
gp-286	214	11	and	and	CCONJ
gp-286	214	12	advanced	advanced	ADJ
gp-286	214	13	consistency	consistency	NOUN
gp-286	214	14	checking	checking	NOUN
gp-286	214	15	.	.	PUNCT
gp-286	215	1	table	table	NOUN
gp-286	215	2	16	16	NUM
gp-286	215	3	.	.	PUNCT
gp-286	216	1	comprehensive	comprehensive	ADJ
gp-286	216	2	manual	manual	NOUN
gp-286	216	3	vs	vs	ADP
gp-286	216	4	spicelogic	spicelogic	ADJ
gp-286	216	5	comparison	comparison	NOUN
gp-286	216	6	criteria	criterion	NOUN
gp-286	216	7	/	/	SYM
gp-286	216	8	sub	sub	ADJ
gp-286	216	9	-	-	ADJ
gp-286	216	10	criteria	criteria	ADJ
gp-286	216	11	manual	manual	ADJ
gp-286	216	12	spicelogic	spicelogic	ADJ
gp-286	216	13	absolute	absolute	ADJ
gp-286	216	14	difference	difference	NOUN
gp-286	216	15	relative	relative	ADJ
gp-286	216	16	difference	difference	NOUN
gp-286	216	17	validation	validation	NOUN
gp-286	216	18	status	status	NOUN
gp-286	216	19	financial	financial	ADJ
gp-286	216	20	performance	performance	NOUN
gp-286	216	21	(	(	PUNCT
gp-286	216	22	c1	c1	NOUN
gp-286	216	23	)	)	PUNCT
gp-286	216	24	54.3	54.3	NUM
gp-286	216	25	%	%	NOUN
gp-286	216	26	54.8	54.8	NUM
gp-286	216	27	%	%	NOUN
gp-286	216	28	0.5	0.5	NUM
gp-286	216	29	%	%	NOUN
gp-286	216	30	0.9	0.9	NUM
gp-286	216	31	%	%	NOUN
gp-286	216	32	✓	✓	ADJ
gp-286	216	33	excellent	excellent	ADJ
gp-286	216	34	collateral	collateral	NOUN
gp-286	216	35	valuation	valuation	NOUN
gp-286	216	36	(	(	PUNCT
gp-286	216	37	c2	c2	PROPN
gp-286	216	38	)	)	PUNCT
gp-286	216	39	23.7	23.7	NUM
gp-286	216	40	%	%	NOUN
gp-286	216	41	21.1	21.1	NUM
gp-286	216	42	%	%	NOUN
gp-286	216	43	2.6	2.6	NUM
gp-286	216	44	%	%	NOUN
gp-286	216	45	11.0	11.0	NUM
gp-286	216	46	%	%	NOUN
gp-286	216	47	✓	✓	ADJ
gp-286	216	48	acceptable	acceptable	ADJ
gp-286	216	49	type	type	NOUN
gp-286	216	50	of	of	ADP
gp-286	216	51	business	business	NOUN
gp-286	216	52	(	(	PUNCT
gp-286	216	53	c3	c3	PROPN
gp-286	216	54	)	)	PUNCT
gp-286	216	55	22.0	22.0	NUM
gp-286	216	56	%	%	NOUN
gp-286	216	57	24.1	24.1	NUM
gp-286	216	58	%	%	NOUN
gp-286	216	59	2.1	2.1	NUM
gp-286	216	60	%	%	NOUN
gp-286	216	61	9.5	9.5	NUM
gp-286	216	62	%	%	NOUN
gp-286	216	63	✓	✓	ADJ
gp-286	216	64	acceptable	acceptable	ADJ
gp-286	216	65	liquidity	liquidity	NOUN
gp-286	216	66	ratio	ratio	NOUN
gp-286	216	67	(	(	PUNCT
gp-286	216	68	c1.1	c1.1	NOUN
gp-286	216	69	)	)	PUNCT
gp-286	216	70	23.7	23.7	NUM
gp-286	216	71	%	%	NOUN
gp-286	216	72	22.5	22.5	NUM
gp-286	216	73	%	%	NOUN
gp-286	216	74	1.2	1.2	NUM
gp-286	216	75	%	%	NOUN
gp-286	216	76	5.1	5.1	NUM
gp-286	216	77	%	%	NOUN
gp-286	216	78	✓	✓	ADJ
gp-286	216	79	very	very	ADV
gp-286	216	80	good	good	ADJ
gp-286	216	81	profitability	profitability	NOUN
gp-286	216	82	ratio	ratio	NOUN
gp-286	216	83	(	(	PUNCT
gp-286	216	84	c1.3	c1.3	PROPN
gp-286	216	85	)	)	PUNCT
gp-286	216	86	18.3	18.3	NUM
gp-286	216	87	%	%	NOUN
gp-286	216	88	18.0	18.0	NUM
gp-286	216	89	%	%	NOUN
gp-286	216	90	0.3	0.3	NUM
gp-286	216	91	%	%	NOUN
gp-286	216	92	1.6	1.6	NUM
gp-286	216	93	%	%	NOUN
gp-286	216	94	✓	✓	ADJ
gp-286	216	95	excellent	excellent	ADJ
gp-286	216	96	solitability	solitability	NOUN
gp-286	216	97	ratio	ratio	NOUN
gp-286	216	98	(	(	PUNCT
gp-286	216	99	c1.2	c1.2	PROPN
gp-286	216	100	)	)	PUNCT
gp-286	216	101	12.3	12.3	NUM
gp-286	216	102	%	%	NOUN
gp-286	216	103	14.3	14.3	NUM
gp-286	216	104	%	%	NOUN
gp-286	216	105	2.0	2.0	NUM
gp-286	216	106	%	%	NOUN
gp-286	216	107	16.3	16.3	NUM
gp-286	216	108	%	%	NOUN
gp-286	216	109	✓	✓	ADJ
gp-286	216	110	acceptable	acceptable	ADJ
gp-286	216	111	business	business	NOUN
gp-286	216	112	history	history	NOUN
gp-286	216	113	(	(	PUNCT
gp-286	216	114	c3.2	c3.2	PROPN
gp-286	216	115	)	)	PUNCT
gp-286	216	116	12.0	12.0	NUM
gp-286	216	117	%	%	NOUN
gp-286	216	118	12.0	12.0	NUM
gp-286	216	119	%	%	NOUN
gp-286	216	120	0.0	0.0	NUM
gp-286	216	121	%	%	NOUN
gp-286	216	122	0.0	0.0	NUM
gp-286	216	123	%	%	NOUN
gp-286	216	124	✓	✓	ADJ
gp-286	216	125	perfect	perfect	ADJ
gp-286	216	126	collateral	collateral	NOUN
gp-286	216	127	value	value	NOUN
gp-286	216	128	(	(	PUNCT
gp-286	216	129	c2.1	c2.1	NOUN
gp-286	216	130	)	)	PUNCT
gp-286	216	131	12.5	12.5	NUM
gp-286	216	132	%	%	NOUN
gp-286	216	133	10.6	10.6	NUM
gp-286	216	134	%	%	NOUN
gp-286	216	135	1.9	1.9	NUM
gp-286	216	136	%	%	NOUN
gp-286	216	137	15.2	15.2	NUM
gp-286	216	138	%	%	NOUN
gp-286	216	139	✓	✓	ADJ
gp-286	216	140	acceptable	acceptable	ADJ
gp-286	216	141	physical	physical	ADJ
gp-286	216	142	collateral	collateral	NOUN
gp-286	216	143	(	(	PUNCT
gp-286	216	144	c2.2	c2.2	NOUN
gp-286	216	145	)	)	PUNCT
gp-286	216	146	11.2	11.2	NUM
gp-286	216	147	%	%	NOUN
gp-286	216	148	10.6	10.6	NUM
gp-286	216	149	%	%	NOUN
gp-286	216	150	0.6	0.6	NUM
gp-286	216	151	%	%	NOUN
gp-286	216	152	5.4	5.4	NUM
gp-286	216	153	%	%	NOUN
gp-286	216	154	✓	✓	ADJ
gp-286	216	155	very	very	ADV
gp-286	216	156	good	good	ADJ
gp-286	216	157	business	business	NOUN
gp-286	216	158	sector	sector	NOUN
gp-286	216	159	(	(	PUNCT
gp-286	216	160	c3.1	c3.1	PROPN
gp-286	216	161	)	)	PUNCT
gp-286	216	162	10.0	10.0	NUM
gp-286	216	163	%	%	NOUN
gp-286	216	164	10.0	10.0	NUM
gp-286	216	165	%	%	NOUN
gp-286	216	166	0.0	0.0	NUM
gp-286	216	167	%	%	NOUN
gp-286	216	168	0.0	0.0	NUM
gp-286	216	169	%	%	NOUN
gp-286	216	170	✓	✓	ADJ
gp-286	216	171	perfect	perfect	ADJ
gp-286	216	172	validation	validation	NOUN
gp-286	216	173	statistics	statistic	NOUN
gp-286	216	174	:	:	PUNCT
gp-286	216	175	a.	a.	NOUN
gp-286	216	176	mean	mean	VERB
gp-286	216	177	absolute	absolute	ADJ
gp-286	216	178	deviation	deviation	NOUN
gp-286	216	179	:	:	PUNCT
gp-286	216	180	1.12	1.12	NUM
gp-286	216	181	%	%	NOUN
gp-286	216	182	b.	b.	PROPN
gp-286	216	183	maximum	maximum	PROPN
gp-286	216	184	deviation	deviation	NOUN
gp-286	216	185	:	:	PUNCT
gp-286	216	186	2.6	2.6	NUM
gp-286	216	187	%	%	NOUN
gp-286	216	188	c.	c.	PROPN
gp-286	216	189	perfect	perfect	PROPN
gp-286	216	190	match	match	NOUN
gp-286	216	191	:	:	PUNCT
gp-286	216	192	2	2	NUM
gp-286	216	193	items	item	NOUN
gp-286	216	194	(	(	PUNCT
gp-286	216	195	20	20	NUM
gp-286	216	196	%	%	NOUN
gp-286	216	197	)	)	PUNCT
gp-286	216	198	analysis	analysis	NOUN
gp-286	216	199	of	of	ADP
gp-286	216	200	financial	financial	ADJ
gp-286	216	201	performance	performance	NOUN
gp-286	216	202	characteristics	characteristic	NOUN
gp-286	216	203	,	,	PUNCT
gp-286	216	204	collateral	collateral	ADJ
gp-286	216	205	assessment	assessment	NOUN
gp-286	216	206	and	and	CCONJ
gp-286	216	207	business	business	NOUN
gp-286	216	208	type	type	NOUN
gp-286	216	209	in	in	ADP
gp-286	216	210	the	the	DET
gp-286	216	211	decision	decision	NOUN
gp-286	216	212	to	to	PART
gp-286	216	213	provide	provide	VERB
gp-286	216	214	medium	medium	ADJ
gp-286	216	215	credit	credit	NOUN
gp-286	216	216	facilities	facility	NOUN
gp-286	216	217	at	at	ADP
gp-286	216	218	bri	bri	PROPN
gp-286	216	219	denpasar	denpasar	NOUN
gp-286	216	220	using	use	VERB
gp-286	216	221	the	the	DET
gp-286	216	222	analytical	analytical	ADJ
gp-286	216	223	hierarchy	hierarchy	NOUN
gp-286	216	224	process	process	NOUN
gp-286	216	225	method	method	NOUN
gp-286	216	226	1241	1241	NUM
gp-286	216	227	d.	d.	PROPN
gp-286	216	228	excellent	excellent	PROPN
gp-286	216	229	match	match	NOUN
gp-286	216	230	(	(	PUNCT
gp-286	216	231	<	<	X
gp-286	216	232	1	1	NUM
gp-286	216	233	%	%	NOUN
gp-286	216	234	):	):	PUNCT
gp-286	216	235	2	2	NUM
gp-286	216	236	items	item	NOUN
gp-286	216	237	(	(	PUNCT
gp-286	216	238	20	20	NUM
gp-286	216	239	%	%	NOUN
gp-286	216	240	)	)	PUNCT
gp-286	217	1	e.	e.	PROPN
gp-286	217	2	very	very	ADV
gp-286	217	3	good	good	ADJ
gp-286	217	4	match	match	NOUN
gp-286	217	5	(	(	PUNCT
gp-286	217	6	1	1	NUM
gp-286	217	7	-	-	SYM
gp-286	217	8	2	2	NUM
gp-286	217	9	%	%	NOUN
gp-286	217	10	):	):	PUNCT
gp-286	217	11	3	3	NUM
gp-286	217	12	items	item	NOUN
gp-286	217	13	(	(	PUNCT
gp-286	217	14	30	30	NUM
gp-286	217	15	%	%	NOUN
gp-286	217	16	)	)	PUNCT
gp-286	217	17	f.	f.	PROPN
gp-286	217	18	acceptable	acceptable	ADJ
gp-286	217	19	match	match	NOUN
gp-286	217	20	(	(	PUNCT
gp-286	217	21	2	2	NUM
gp-286	217	22	-	-	SYM
gp-286	217	23	3	3	NUM
gp-286	217	24	%	%	NOUN
gp-286	217	25	):	):	PUNCT
gp-286	217	26	3	3	NUM
gp-286	217	27	items	item	NOUN
gp-286	217	28	(	(	PUNCT
gp-286	217	29	30	30	NUM
gp-286	217	30	%	%	NOUN
gp-286	217	31	)	)	PUNCT
gp-286	217	32	stability	stability	NOUN
gp-286	217	33	interpretation	interpretation	NOUN
gp-286	217	34	:	:	PUNCT
gp-286	217	35	the	the	DET
gp-286	217	36	average	average	ADJ
gp-286	217	37	deviation	deviation	NOUN
gp-286	217	38	of	of	ADP
gp-286	217	39	1.12	1.12	NUM
gp-286	217	40	%	%	NOUN
gp-286	217	41	with	with	ADP
gp-286	217	42	a	a	DET
gp-286	217	43	maximum	maximum	NOUN
gp-286	217	44	of	of	ADP
gp-286	217	45	2.6	2.6	NUM
gp-286	217	46	%	%	NOUN
gp-286	217	47	indicates	indicate	VERB
gp-286	217	48	very	very	ADV
gp-286	217	49	high	high	ADJ
gp-286	217	50	stability	stability	NOUN
gp-286	217	51	and	and	CCONJ
gp-286	217	52	confirms	confirm	VERB
gp-286	217	53	the	the	DET
gp-286	217	54	reliability	reliability	NOUN
gp-286	217	55	of	of	ADP
gp-286	217	56	the	the	DET
gp-286	217	57	manual	manual	ADJ
gp-286	217	58	calculation	calculation	NOUN
gp-286	217	59	results	result	NOUN
gp-286	217	60	.	.	PUNCT
gp-286	218	1	the	the	DET
gp-286	218	2	minor	minor	ADJ
gp-286	218	3	difference	difference	NOUN
gp-286	218	4	is	be	AUX
gp-286	218	5	caused	cause	VERB
gp-286	218	6	by	by	ADP
gp-286	218	7	spicelogic	spicelogic	NOUN
gp-286	218	8	using	use	VERB
gp-286	218	9	the	the	DET
gp-286	218	10	exact	exact	ADJ
gp-286	218	11	eigenvalue	eigenvalue	NOUN
gp-286	218	12	method	method	NOUN
gp-286	218	13	vs	vs	ADP
gp-286	218	14	approximation	approximation	NOUN
gp-286	218	15	row	row	NOUN
gp-286	218	16	averaging	averaging	NOUN
gp-286	218	17	method	method	NOUN
gp-286	218	18	in	in	ADP
gp-286	218	19	manual	manual	ADJ
gp-286	218	20	calculations	calculation	NOUN
gp-286	218	21	.	.	PUNCT
gp-286	219	1	sensitivity	sensitivity	NOUN
gp-286	219	2	and	and	CCONJ
gp-286	219	3	robustness	robustness	NOUN
gp-286	219	4	analysis	analysis	NOUN
gp-286	219	5	sensitivity	sensitivity	NOUN
gp-286	219	6	analysis	analysis	NOUN
gp-286	219	7	was	be	AUX
gp-286	219	8	carried	carry	VERB
gp-286	219	9	out	out	ADP
gp-286	219	10	by	by	ADP
gp-286	219	11	changing	change	VERB
gp-286	219	12	the	the	DET
gp-286	219	13	input	input	NOUN
gp-286	219	14	by	by	ADP
gp-286	219	15	±10	±10	NOUN
gp-286	219	16	%	%	NOUN
gp-286	219	17	to	to	PART
gp-286	219	18	measure	measure	VERB
gp-286	219	19	the	the	DET
gp-286	219	20	stability	stability	NOUN
gp-286	219	21	of	of	ADP
gp-286	219	22	ranking	ranking	NOUN
gp-286	219	23	.	.	PUNCT
gp-286	220	1	the	the	DET
gp-286	220	2	results	result	NOUN
gp-286	220	3	show	show	VERB
gp-286	220	4	that	that	SCONJ
gp-286	220	5	the	the	DET
gp-286	220	6	top	top	ADJ
gp-286	220	7	3	3	NUM
gp-286	220	8	rankings	ranking	NOUN
gp-286	220	9	(	(	PUNCT
gp-286	220	10	liquidity	liquidity	NOUN
gp-286	220	11	,	,	PUNCT
gp-286	220	12	profitability	profitability	NOUN
gp-286	220	13	,	,	PUNCT
gp-286	220	14	collateral	collateral	ADJ
gp-286	220	15	value	value	NOUN
gp-286	220	16	)	)	PUNCT
gp-286	220	17	remain	remain	VERB
gp-286	220	18	stable	stable	ADJ
gp-286	220	19	in	in	ADP
gp-286	220	20	various	various	ADJ
gp-286	220	21	scenarios	scenario	NOUN
gp-286	220	22	,	,	PUNCT
gp-286	220	23	confirming	confirm	VERB
gp-286	220	24	the	the	DET
gp-286	220	25	robustness	robustness	NOUN
gp-286	220	26	of	of	ADP
gp-286	220	27	the	the	DET
gp-286	220	28	model	model	NOUN
gp-286	220	29	for	for	ADP
gp-286	220	30	practical	practical	ADJ
gp-286	220	31	decision	decision	NOUN
gp-286	220	32	making	making	NOUN
gp-286	220	33	.	.	PUNCT
gp-286	221	1	conclusion	conclusion	VERB
gp-286	221	2	the	the	DET
gp-286	221	3	findings	finding	NOUN
gp-286	221	4	of	of	ADP
gp-286	221	5	this	this	DET
gp-286	221	6	study	study	NOUN
gp-286	221	7	reveal	reveal	VERB
gp-286	221	8	that	that	SCONJ
gp-286	221	9	the	the	DET
gp-286	221	10	key	key	ADJ
gp-286	221	11	financial	financial	ADJ
gp-286	221	12	performance	performance	NOUN
gp-286	221	13	characteristics	characteristic	NOUN
gp-286	221	14	prioritized	prioritize	VERB
gp-286	221	15	in	in	ADP
gp-286	221	16	medium	medium	ADJ
gp-286	221	17	credit	credit	NOUN
gp-286	221	18	facility	facility	NOUN
gp-286	221	19	decisions	decision	NOUN
gp-286	221	20	at	at	ADP
gp-286	221	21	bri	bri	PROPN
gp-286	221	22	denpasar	denpasar	PROPN
gp-286	221	23	emphasize	emphasize	VERB
gp-286	221	24	defensive	defensive	ADJ
gp-286	221	25	financial	financial	ADJ
gp-286	221	26	capability	capability	NOUN
gp-286	221	27	,	,	PUNCT
gp-286	221	28	stability	stability	NOUN
gp-286	221	29	,	,	PUNCT
gp-286	221	30	and	and	CCONJ
gp-286	221	31	sustainability	sustainability	NOUN
gp-286	221	32	.	.	PUNCT
gp-286	222	1	the	the	DET
gp-286	222	2	most	most	ADV
gp-286	222	3	critical	critical	ADJ
gp-286	222	4	indicators	indicator	NOUN
gp-286	222	5	include	include	VERB
gp-286	222	6	optimal	optimal	ADJ
gp-286	222	7	current	current	ADJ
gp-286	222	8	and	and	CCONJ
gp-286	222	9	quick	quick	ADJ
gp-286	222	10	ratios	ratio	NOUN
gp-286	222	11	with	with	ADP
gp-286	222	12	consistent	consistent	ADJ
gp-286	222	13	trends	trend	NOUN
gp-286	222	14	over	over	ADP
gp-286	222	15	at	at	ADV
gp-286	222	16	least	least	ADV
gp-286	222	17	three	three	NUM
gp-286	222	18	years	year	NOUN
gp-286	222	19	,	,	PUNCT
gp-286	222	20	sustainable	sustainable	ADJ
gp-286	222	21	profitability	profitability	NOUN
gp-286	222	22	through	through	ADP
gp-286	222	23	stable	stable	ADJ
gp-286	222	24	roa	roa	NOUN
gp-286	222	25	and	and	CCONJ
gp-286	222	26	profit	profit	NOUN
gp-286	222	27	growth	growth	NOUN
gp-286	222	28	,	,	PUNCT
gp-286	222	29	and	and	CCONJ
gp-286	222	30	a	a	DET
gp-286	222	31	balanced	balanced	ADJ
gp-286	222	32	capital	capital	NOUN
gp-286	222	33	structure	structure	NOUN
gp-286	222	34	with	with	ADP
gp-286	222	35	manageable	manageable	ADJ
gp-286	222	36	debt	debt	NOUN
gp-286	222	37	ratios	ratio	NOUN
gp-286	222	38	.	.	PUNCT
gp-286	223	1	in	in	ADP
gp-286	223	2	terms	term	NOUN
gp-286	223	3	of	of	ADP
gp-286	223	4	collateral	collateral	ADJ
gp-286	223	5	assessment	assessment	NOUN
gp-286	223	6	,	,	PUNCT
gp-286	223	7	a	a	DET
gp-286	223	8	balanced	balanced	ADJ
gp-286	223	9	approach	approach	NOUN
gp-286	223	10	between	between	ADP
gp-286	223	11	collateral	collateral	ADJ
gp-286	223	12	value	value	NOUN
gp-286	223	13	and	and	CCONJ
gp-286	223	14	physical	physical	ADJ
gp-286	223	15	aspects	aspect	NOUN
gp-286	223	16	is	be	AUX
gp-286	223	17	prioritized	prioritize	VERB
gp-286	223	18	,	,	PUNCT
gp-286	223	19	focusing	focus	VERB
gp-286	223	20	on	on	ADP
gp-286	223	21	assets	asset	NOUN
gp-286	223	22	with	with	ADP
gp-286	223	23	stable	stable	ADJ
gp-286	223	24	market	market	NOUN
gp-286	223	25	value	value	NOUN
gp-286	223	26	,	,	PUNCT
gp-286	223	27	ease	ease	NOUN
gp-286	223	28	of	of	ADP
gp-286	223	29	liquidation	liquidation	NOUN
gp-286	223	30	,	,	PUNCT
gp-286	223	31	strategic	strategic	ADJ
gp-286	223	32	location	location	NOUN
gp-286	223	33	,	,	PUNCT
gp-286	223	34	and	and	CCONJ
gp-286	223	35	complete	complete	ADJ
gp-286	223	36	legal	legal	ADJ
gp-286	223	37	documentation	documentation	NOUN
gp-286	223	38	.	.	PUNCT
gp-286	224	1	for	for	ADP
gp-286	224	2	business	business	NOUN
gp-286	224	3	type	type	NOUN
gp-286	224	4	,	,	PUNCT
gp-286	224	5	priority	priority	NOUN
gp-286	224	6	is	be	AUX
gp-286	224	7	given	give	VERB
gp-286	224	8	to	to	ADP
gp-286	224	9	companies	company	NOUN
gp-286	224	10	with	with	ADP
gp-286	224	11	strong	strong	ADJ
gp-286	224	12	operational	operational	ADJ
gp-286	224	13	history	history	NOUN
gp-286	224	14	,	,	PUNCT
gp-286	224	15	clean	clean	ADJ
gp-286	224	16	credit	credit	NOUN
gp-286	224	17	records	record	NOUN
gp-286	224	18	,	,	PUNCT
gp-286	224	19	and	and	CCONJ
gp-286	224	20	resilience	resilience	NOUN
gp-286	224	21	during	during	ADP
gp-286	224	22	economic	economic	ADJ
gp-286	224	23	downturns	downturn	NOUN
gp-286	224	24	,	,	PUNCT
gp-286	224	25	especially	especially	ADV
gp-286	224	26	those	those	PRON
gp-286	224	27	operating	operate	VERB
gp-286	224	28	in	in	ADP
gp-286	224	29	essential	essential	ADJ
gp-286	224	30	sectors	sector	NOUN
gp-286	224	31	such	such	ADJ
gp-286	224	32	as	as	ADP
gp-286	224	33	health	health	NOUN
gp-286	224	34	,	,	PUNCT
gp-286	224	35	education	education	NOUN
gp-286	224	36	,	,	PUNCT
gp-286	224	37	and	and	CCONJ
gp-286	224	38	utilities	utility	NOUN
gp-286	224	39	.	.	PUNCT
gp-286	225	1	based	base	VERB
gp-286	225	2	on	on	ADP
gp-286	225	3	these	these	DET
gp-286	225	4	findings	finding	NOUN
gp-286	225	5	,	,	PUNCT
gp-286	225	6	it	it	PRON
gp-286	225	7	is	be	AUX
gp-286	225	8	recommended	recommend	VERB
gp-286	225	9	that	that	SCONJ
gp-286	225	10	bri	bri	PROPN
gp-286	225	11	denpasar	denpasar	NOUN
gp-286	225	12	implement	implement	VERB
gp-286	225	13	an	an	DET
gp-286	225	14	automated	automate	VERB
gp-286	225	15	credit	credit	NOUN
gp-286	225	16	scoring	scoring	NOUN
gp-286	225	17	system	system	NOUN
gp-286	225	18	integrated	integrate	VERB
gp-286	225	19	with	with	ADP
gp-286	225	20	ahp	ahp	NOUN
gp-286	225	21	priority	priority	NOUN
gp-286	225	22	weights	weight	NOUN
gp-286	225	23	,	,	PUNCT
gp-286	225	24	enhance	enhance	VERB
gp-286	225	25	employee	employee	NOUN
gp-286	225	26	training	training	NOUN
gp-286	225	27	aligned	align	VERB
gp-286	225	28	with	with	ADP
gp-286	225	29	ahp	ahp	NOUN
gp-286	225	30	hierarchy	hierarchy	NOUN
gp-286	225	31	,	,	PUNCT
gp-286	225	32	and	and	CCONJ
gp-286	225	33	restructure	restructure	VERB
gp-286	225	34	its	its	PRON
gp-286	225	35	portfolio	portfolio	NOUN
gp-286	225	36	toward	toward	ADP
gp-286	225	37	resilient	resilient	ADJ
gp-286	225	38	sectors	sector	NOUN
gp-286	225	39	.	.	PUNCT
gp-286	226	1	prospective	prospective	ADJ
gp-286	226	2	debtors	debtor	NOUN
gp-286	226	3	are	be	AUX
gp-286	226	4	encouraged	encourage	VERB
gp-286	226	5	to	to	PART
gp-286	226	6	maintain	maintain	VERB
gp-286	226	7	optimal	optimal	ADJ
gp-286	226	8	financial	financial	ADJ
gp-286	226	9	ratios	ratio	NOUN
gp-286	226	10	,	,	PUNCT
gp-286	226	11	strengthen	strengthen	VERB
gp-286	226	12	business	business	NOUN
gp-286	226	13	documentation	documentation	NOUN
gp-286	226	14	and	and	CCONJ
gp-286	226	15	governance	governance	NOUN
gp-286	226	16	,	,	PUNCT
gp-286	226	17	and	and	CCONJ
gp-286	226	18	prepare	prepare	VERB
gp-286	226	19	collateral	collateral	NOUN
gp-286	226	20	that	that	PRON
gp-286	226	21	meets	meet	VERB
gp-286	226	22	valuation	valuation	NOUN
gp-286	226	23	and	and	CCONJ
gp-286	226	24	legal	legal	ADJ
gp-286	226	25	standards	standard	NOUN
gp-286	226	26	.	.	PUNCT
gp-286	227	1	future	future	ADJ
gp-286	227	2	research	research	NOUN
gp-286	227	3	should	should	AUX
gp-286	227	4	focus	focus	VERB
gp-286	227	5	on	on	ADP
gp-286	227	6	developing	develop	VERB
gp-286	227	7	adaptive	adaptive	ADJ
gp-286	227	8	ahp	ahp	NOUN
gp-286	227	9	models	model	NOUN
gp-286	227	10	responsive	responsive	ADJ
gp-286	227	11	to	to	ADP
gp-286	227	12	macroeconomic	macroeconomic	ADJ
gp-286	227	13	cycles	cycle	NOUN
gp-286	227	14	,	,	PUNCT
gp-286	227	15	expand	expand	VERB
gp-286	227	16	coverage	coverage	NOUN
gp-286	227	17	to	to	ADP
gp-286	227	18	other	other	ADJ
gp-286	227	19	credit	credit	NOUN
gp-286	227	20	segments	segment	NOUN
gp-286	227	21	using	use	VERB
gp-286	227	22	hybrid	hybrid	ADJ
gp-286	227	23	methods	method	NOUN
gp-286	227	24	like	like	ADP
gp-286	227	25	ahp	ahp	NOUN
gp-286	227	26	combined	combine	VERB
gp-286	227	27	with	with	ADP
gp-286	227	28	machine	machine	NOUN
gp-286	227	29	learning	learning	NOUN
gp-286	227	30	,	,	PUNCT
gp-286	227	31	and	and	CCONJ
gp-286	227	32	explore	explore	VERB
gp-286	227	33	technology	technology	NOUN
gp-286	227	34	integration	integration	NOUN
gp-286	227	35	through	through	ADP
gp-286	227	36	mobile	mobile	ADJ
gp-286	227	37	and	and	CCONJ
gp-286	227	38	web	web	NOUN
gp-286	227	39	-	-	PUNCT
gp-286	227	40	based	base	VERB
gp-286	227	41	applications	application	NOUN
gp-286	227	42	linked	link	VERB
gp-286	227	43	to	to	ADP
gp-286	227	44	core	core	NOUN
gp-286	227	45	banking	banking	NOUN
gp-286	227	46	systems	system	NOUN
gp-286	227	47	for	for	ADP
gp-286	227	48	automated	automate	VERB
gp-286	227	49	scoring	scoring	NOUN
gp-286	227	50	and	and	CCONJ
gp-286	227	51	monitoring	monitoring	NOUN
gp-286	227	52	.	.	PUNCT
gp-286	228	1	references	reference	NOUN
gp-286	228	2	brigham	brigham	PROPN
gp-286	228	3	,	,	PUNCT
gp-286	228	4	e.	e.	PROPN
gp-286	228	5	f.	f.	PROPN
gp-286	228	6	,	,	PUNCT
gp-286	228	7	&	&	CCONJ
gp-286	228	8	houston	houston	PROPN
gp-286	228	9	,	,	PUNCT
gp-286	228	10	j.	j.	PROPN
gp-286	228	11	f.	f.	PROPN
gp-286	228	12	(	(	PUNCT
gp-286	228	13	2021	2021	NUM
gp-286	228	14	)	)	PUNCT
gp-286	228	15	.	.	PUNCT
gp-286	229	1	fundamentals	fundamental	NOUN
gp-286	229	2	of	of	ADP
gp-286	229	3	financial	financial	ADJ
gp-286	229	4	management	management	NOUN
gp-286	229	5	(	(	PUNCT
gp-286	229	6	16th	16th	ADJ
gp-286	229	7	ed	ed	NOUN
gp-286	229	8	.	.	PUNCT
gp-286	229	9	)	)	PUNCT
gp-286	229	10	.	.	PUNCT
gp-286	230	1	cengage	cengage	PROPN
gp-286	230	2	learning	learning	PROPN
gp-286	230	3	.	.	PUNCT
gp-286	231	1	francis	francis	PROPN
gp-286	231	2	,	,	PUNCT
gp-286	231	3	d.	d.	PROPN
gp-286	231	4	h.	h.	PROPN
gp-286	231	5	(	(	PUNCT
gp-286	231	6	2020	2020	NUM
gp-286	231	7	)	)	PUNCT
gp-286	231	8	.	.	PUNCT
gp-286	232	1	analisis	analisis	PROPN
gp-286	232	2	kinerja	kinerja	PROPN
gp-286	232	3	keuangan	keuangan	PROPN
gp-286	232	4	perusahaan	perusahaan	PROPN
gp-286	232	5	.	.	PUNCT
gp-286	233	1	desanta	desanta	PROPN
gp-286	233	2	muliavisitama	muliavisitama	NOUN
gp-286	233	3	.	.	PUNCT
gp-286	234	1	gitman	gitman	PROPN
gp-286	234	2	,	,	PUNCT
gp-286	234	3	l.	l.	PROPN
gp-286	234	4	j.	j.	PROPN
gp-286	234	5	,	,	PUNCT
gp-286	234	6	&	&	CCONJ
gp-286	234	7	zutter	zutter	PROPN
gp-286	234	8	,	,	PUNCT
gp-286	234	9	c.	c.	PROPN
gp-286	234	10	j.	j.	PROPN
gp-286	234	11	(	(	PUNCT
gp-286	234	12	2022	2022	NUM
gp-286	234	13	)	)	PUNCT
gp-286	234	14	.	.	PUNCT
gp-286	235	1	principles	principle	NOUN
gp-286	235	2	of	of	ADP
gp-286	235	3	managerial	managerial	ADJ
gp-286	235	4	finance	finance	NOUN
gp-286	235	5	(	(	PUNCT
gp-286	235	6	15th	15th	ADJ
gp-286	235	7	ed	ed	NOUN
gp-286	235	8	.	.	PUNCT
gp-286	235	9	)	)	PUNCT
gp-286	235	10	.	.	PUNCT
gp-286	236	1	pearson	pearson	PROPN
gp-286	236	2	.	.	PUNCT
gp-286	237	1	hair	hair	PROPN
gp-286	237	2	,	,	PUNCT
gp-286	237	3	j.	j.	PROPN
gp-286	237	4	f.	f.	PROPN
gp-286	237	5	,	,	PUNCT
gp-286	237	6	hult	hult	PROPN
gp-286	237	7	,	,	PUNCT
gp-286	237	8	g.	g.	PROPN
gp-286	237	9	t.	t.	PROPN
gp-286	237	10	m.	m.	PROPN
gp-286	237	11	,	,	PUNCT
gp-286	237	12	ringle	ringle	PROPN
gp-286	237	13	,	,	PUNCT
gp-286	237	14	c.	c.	PROPN
gp-286	237	15	m.	m.	PROPN
gp-286	237	16	,	,	PUNCT
gp-286	237	17	&	&	CCONJ
gp-286	237	18	sarstedt	sarstedt	NOUN
gp-286	237	19	,	,	PUNCT
gp-286	237	20	m.	m.	NOUN
gp-286	237	21	(	(	PUNCT
gp-286	237	22	2017	2017	NUM
gp-286	237	23	)	)	PUNCT
gp-286	237	24	.	.	PUNCT
gp-286	238	1	a	a	DET
gp-286	238	2	primer	primer	NOUN
gp-286	238	3	on	on	ADP
gp-286	238	4	partial	partial	ADJ
gp-286	238	5	least	least	ADJ
gp-286	238	6	squares	square	NOUN
gp-286	238	7	analysis	analysis	NOUN
gp-286	238	8	of	of	ADP
gp-286	238	9	financial	financial	ADJ
gp-286	238	10	performance	performance	NOUN
gp-286	238	11	characteristics	characteristic	NOUN
gp-286	238	12	,	,	PUNCT
gp-286	238	13	collateral	collateral	ADJ
gp-286	238	14	assessment	assessment	NOUN
gp-286	238	15	and	and	CCONJ
gp-286	238	16	business	business	NOUN
gp-286	238	17	type	type	NOUN
gp-286	238	18	in	in	ADP
gp-286	238	19	the	the	DET
gp-286	238	20	decision	decision	NOUN
gp-286	238	21	to	to	PART
gp-286	238	22	provide	provide	VERB
gp-286	238	23	medium	medium	ADJ
gp-286	238	24	credit	credit	NOUN
gp-286	238	25	facilities	facility	NOUN
gp-286	238	26	at	at	ADP
gp-286	238	27	bri	bri	PROPN
gp-286	238	28	denpasar	denpasar	NOUN
gp-286	238	29	using	use	VERB
gp-286	238	30	the	the	DET
gp-286	238	31	analytical	analytical	ADJ
gp-286	238	32	hierarchy	hierarchy	NOUN
gp-286	238	33	process	process	NOUN
gp-286	238	34	method	method	VERB
gp-286	238	35	1242	1242	NUM
gp-286	238	36	structural	structural	ADJ
gp-286	238	37	equation	equation	NOUN
gp-286	238	38	modeling	modeling	NOUN
gp-286	238	39	(	(	PUNCT
gp-286	238	40	pls	pls	INTJ
gp-286	238	41	-	-	PUNCT
gp-286	238	42	sem	sem	NOUN
gp-286	238	43	)	)	PUNCT
gp-286	238	44	.	.	PUNCT
gp-286	239	1	sage	sage	NOUN
gp-286	239	2	publications	publication	NOUN
gp-286	239	3	.	.	PUNCT
gp-286	240	1	hery	hery	NOUN
gp-286	240	2	.	.	PUNCT
gp-286	241	1	(	(	PUNCT
gp-286	241	2	2020	2020	NUM
gp-286	241	3	)	)	PUNCT
gp-286	241	4	.	.	PUNCT
gp-286	242	1	analisis	analisis	ADJ
gp-286	242	2	laporan	laporan	ADJ
gp-286	242	3	keuangan	keuangan	NOUN
gp-286	242	4	:	:	PUNCT
gp-286	242	5	pendekatan	pendekatan	ADJ
gp-286	242	6	rasio	rasio	NOUN
gp-286	242	7	keuangan	keuangan	PROPN
gp-286	242	8	.	.	PUNCT
gp-286	243	1	grasindo	grasindo	PROPN
gp-286	243	2	.	.	PUNCT
gp-286	244	1	international	international	ADJ
gp-286	244	2	monetary	monetary	ADJ
gp-286	244	3	fund	fund	NOUN
gp-286	244	4	.	.	PUNCT
gp-286	245	1	(	(	PUNCT
gp-286	245	2	2024a	2024a	NUM
gp-286	245	3	,	,	PUNCT
gp-286	245	4	august	august	PROPN
gp-286	245	5	8)	8)	NUM
gp-286	245	6	.	.	PUNCT
gp-286	246	1	indonesia	indonesia	PROPN
gp-286	246	2	:	:	PUNCT
gp-286	246	3	financial	financial	ADJ
gp-286	246	4	sector	sector	NOUN
gp-286	246	5	assessment	assessment	NOUN
gp-286	246	6	program	program	NOUN
gp-286	246	7	—	—	PUNCT
gp-286	246	8	financial	financial	ADJ
gp-286	246	9	system	system	NOUN
gp-286	246	10	stability	stability	NOUN
gp-286	246	11	assessment	assessment	NOUN
gp-286	246	12	.	.	PUNCT
gp-286	247	1	https://doi.org/10.5089/9798400286438.002	https://doi.org/10.5089/9798400286438.002	NOUN
gp-286	247	2	international	international	ADJ
gp-286	247	3	monetary	monetary	ADJ
gp-286	247	4	fund	fund	NOUN
gp-286	247	5	.	.	PUNCT
gp-286	248	1	(	(	PUNCT
gp-286	248	2	2024b	2024b	NUM
gp-286	248	3	,	,	PUNCT
gp-286	248	4	august	august	PROPN
gp-286	248	5	13	13	NUM
gp-286	248	6	)	)	PUNCT
gp-286	248	7	.	.	PUNCT
gp-286	249	1	indonesia	indonesia	PROPN
gp-286	249	2	:	:	PUNCT
gp-286	249	3	financial	financial	ADJ
gp-286	249	4	sector	sector	NOUN
gp-286	249	5	assessment	assessment	NOUN
gp-286	249	6	program	program	NOUN
gp-286	249	7	—	—	PUNCT
gp-286	249	8	detailed	detailed	ADJ
gp-286	249	9	assessment	assessment	NOUN
gp-286	249	10	of	of	ADP
gp-286	249	11	observance	observance	NOUN
gp-286	249	12	:	:	PUNCT
gp-286	249	13	basel	basel	PROPN
gp-286	249	14	core	core	NOUN
gp-286	249	15	principles	principle	NOUN
gp-286	249	16	for	for	ADP
gp-286	249	17	effective	effective	ADJ
gp-286	249	18	banking	banking	NOUN
gp-286	249	19	supervision	supervision	NOUN
gp-286	249	20	.	.	PUNCT
gp-286	250	1	https://doi.org/10.5089/9798400286216.002	https://doi.org/10.5089/9798400286216.002	X
gp-286	250	2	lazarus	lazarus	PROPN
gp-286	250	3	,	,	PUNCT
gp-286	250	4	r.	r.	PROPN
gp-286	250	5	s.	s.	PROPN
gp-286	250	6	(	(	PUNCT
gp-286	250	7	2020	2020	NUM
gp-286	250	8	)	)	PUNCT
gp-286	250	9	.	.	PUNCT
gp-286	251	1	psychological	psychological	ADJ
gp-286	251	2	stress	stress	NOUN
gp-286	251	3	in	in	ADP
gp-286	251	4	the	the	DET
gp-286	251	5	workplace	workplace	NOUN
gp-286	251	6	.	.	PUNCT
gp-286	252	1	in	in	ADP
gp-286	252	2	occupational	occupational	ADJ
gp-286	252	3	stress	stress	NOUN
gp-286	252	4	(	(	PUNCT
gp-286	252	5	hal	hal	PROPN
gp-286	252	6	.	.	PROPN
gp-286	252	7	3–14	3–14	PROPN
gp-286	252	8	)	)	PUNCT
gp-286	252	9	.	.	PUNCT
gp-286	253	1	crc	crc	PROPN
gp-286	253	2	press	press	PROPN
gp-286	253	3	.	.	PUNCT
gp-286	254	1	mu	mu	PROPN
gp-286	254	2	,	,	PUNCT
gp-286	254	3	e.	e.	PROPN
gp-286	254	4	,	,	PUNCT
gp-286	254	5	&	&	CCONJ
gp-286	254	6	pereyra	pereyra	PROPN
gp-286	254	7	-	-	PUNCT
gp-286	254	8	rojas	rojas	PROPN
gp-286	254	9	,	,	PUNCT
gp-286	254	10	m.	m.	NOUN
gp-286	254	11	(	(	PUNCT
gp-286	254	12	2022	2022	NUM
gp-286	254	13	)	)	PUNCT
gp-286	254	14	.	.	PUNCT
gp-286	255	1	practical	practical	ADJ
gp-286	255	2	decision	decision	NOUN
gp-286	255	3	making	make	VERB
gp-286	255	4	using	use	VERB
gp-286	255	5	super	super	ADJ
gp-286	255	6	decisions	decision	NOUN
gp-286	255	7	v3	v3	PROPN
gp-286	255	8	:	:	PUNCT
gp-286	255	9	an	an	DET
gp-286	255	10	introduction	introduction	NOUN
gp-286	255	11	to	to	ADP
gp-286	255	12	the	the	DET
gp-286	255	13	analytic	analytic	ADJ
gp-286	255	14	hierarchy	hierarchy	NOUN
gp-286	255	15	process	process	NOUN
gp-286	255	16	(	(	PUNCT
gp-286	255	17	2nd	2nd	ADJ
gp-286	255	18	ed	ed	NOUN
gp-286	255	19	.	.	PUNCT
gp-286	255	20	)	)	PUNCT
gp-286	255	21	.	.	PUNCT
gp-286	256	1	springer	springer	NOUN
gp-286	256	2	.	.	PUNCT
gp-286	257	1	nations	nation	NOUN
gp-286	257	2	,	,	PUNCT
gp-286	257	3	u.	u.	PROPN
gp-286	257	4	(	(	PUNCT
gp-286	257	5	2020	2020	NUM
gp-286	257	6	)	)	PUNCT
gp-286	257	7	.	.	PUNCT
gp-286	258	1	covid-19	covid-19	PROPN
gp-286	258	2	could	could	AUX
gp-286	258	3	lead	lead	VERB
gp-286	258	4	to	to	ADP
gp-286	258	5	millions	million	NOUN
gp-286	258	6	of	of	ADP
gp-286	258	7	unintended	unintended	ADJ
gp-286	258	8	pregnancies	pregnancy	NOUN
gp-286	258	9	,	,	PUNCT
gp-286	258	10	new	new	ADJ
gp-286	258	11	un	un	ADJ
gp-286	258	12	-	-	ADJ
gp-286	258	13	backed	back	VERB
gp-286	258	14	data	data	NOUN
gp-286	258	15	reveals	reveal	VERB
gp-286	258	16	.	.	PUNCT
gp-286	259	1	in	in	ADP
gp-286	259	2	un	un	PROPN
gp-286	259	3	news	news	PROPN
gp-286	259	4	.	.	PUNCT
gp-286	259	5	https://news.un.org/en/story/2020/04/1062742	https://news.un.org/en/story/2020/04/1062742	PROPN
gp-286	259	6	organisation	organisation	NOUN
gp-286	259	7	for	for	ADP
gp-286	259	8	economic	economic	ADJ
gp-286	259	9	co	co	NOUN
gp-286	259	10	-	-	NOUN
gp-286	259	11	operation	operation	NOUN
gp-286	259	12	and	and	CCONJ
gp-286	259	13	development	development	NOUN
gp-286	259	14	.	.	PUNCT
gp-286	260	1	(	(	PUNCT
gp-286	260	2	2024	2024	NUM
gp-286	260	3	,	,	PUNCT
gp-286	260	4	january	january	PROPN
gp-286	260	5	24	24	NUM
gp-286	260	6	)	)	PUNCT
gp-286	260	7	.	.	PUNCT
gp-286	261	1	financing	finance	VERB
gp-286	261	2	smes	sme	NOUN
gp-286	261	3	and	and	CCONJ
gp-286	261	4	entrepreneurs	entrepreneur	NOUN
gp-286	261	5	2024	2024	NUM
gp-286	261	6	.	.	PUNCT
gp-286	262	1	oecd	oecd	PROPN
gp-286	262	2	.	.	PROPN
gp-286	263	1	otoritas	otoritas	PROPN
gp-286	263	2	jasa	jasa	PROPN
gp-286	263	3	keuangan	keuangan	PROPN
gp-286	263	4	.	.	PUNCT
gp-286	264	1	(	(	PUNCT
gp-286	264	2	2020	2020	NUM
gp-286	264	3	)	)	PUNCT
gp-286	264	4	.	.	PUNCT
gp-286	265	1	indonesia	indonesia	PROPN
gp-286	265	2	banking	banking	NOUN
gp-286	265	3	booklet	booklet	NOUN
gp-286	265	4	2020	2020	NUM
gp-286	265	5	(	(	PUNCT
gp-286	265	6	summarizes	summarize	NOUN
gp-286	265	7	ojk	ojk	ADP
gp-286	265	8	reg	reg	NOUN
gp-286	265	9	.	.	PUNCT
gp-286	266	1	no	no	INTJ
gp-286	266	2	.	.	NOUN
gp-286	267	1	18	18	NUM
gp-286	267	2	/	/	SYM
gp-286	267	3	pojk.03/2016	pojk.03/2016	PROPN
gp-286	267	4	on	on	ADP
gp-286	267	5	risk	risk	NOUN
gp-286	267	6	management	management	NOUN
gp-286	267	7	for	for	ADP
gp-286	267	8	commercial	commercial	ADJ
gp-286	267	9	banks	bank	NOUN
gp-286	267	10	)	)	PUNCT
gp-286	267	11	.	.	PUNCT
gp-286	268	1	ojk	ojk	NOUN
gp-286	268	2	portal	portal	PROPN
gp-286	268	3	.	.	PUNCT
gp-286	269	1	pt	pt	PROPN
gp-286	269	2	bank	bank	PROPN
gp-286	269	3	rakyat	rakyat	PROPN
gp-286	269	4	indonesia	indonesia	PROPN
gp-286	269	5	(	(	PUNCT
gp-286	269	6	persero	persero	NOUN
gp-286	269	7	)	)	PUNCT
gp-286	269	8	tbk	tbk	PROPN
gp-286	269	9	.	.	PUNCT
gp-286	270	1	(	(	PUNCT
gp-286	270	2	2025	2025	NUM
gp-286	270	3	)	)	PUNCT
gp-286	270	4	.	.	PUNCT
gp-286	271	1	annual	annual	ADJ
gp-286	271	2	report	report	NOUN
gp-286	271	3	2024	2024	NUM
gp-286	271	4	(	(	PUNCT
gp-286	271	5	english	english	PROPN
gp-286	271	6	)	)	PUNCT
gp-286	271	7	.	.	PUNCT
gp-286	272	1	ross	ross	PROPN
gp-286	272	2	,	,	PUNCT
gp-286	272	3	s.	s.	PROPN
gp-286	272	4	a.	a.	PROPN
gp-286	272	5	,	,	PUNCT
gp-286	272	6	westerfield	westerfield	PROPN
gp-286	272	7	,	,	PUNCT
gp-286	272	8	r.	r.	PROPN
gp-286	272	9	w.	w.	PROPN
gp-286	272	10	,	,	PUNCT
gp-286	272	11	jaffe	jaffe	PROPN
gp-286	272	12	,	,	PUNCT
gp-286	272	13	j.	j.	PROPN
gp-286	272	14	,	,	PUNCT
gp-286	272	15	&	&	CCONJ
gp-286	272	16	jordan	jordan	PROPN
gp-286	272	17	,	,	PUNCT
gp-286	272	18	b.	b.	PROPN
gp-286	272	19	d.	d.	PROPN
gp-286	272	20	(	(	PUNCT
gp-286	272	21	2021	2021	NUM
gp-286	272	22	)	)	PUNCT
gp-286	272	23	.	.	PUNCT
gp-286	273	1	corporate	corporate	ADJ
gp-286	273	2	finance	finance	NOUN
gp-286	273	3	(	(	PUNCT
gp-286	273	4	13th	13th	NOUN
gp-286	273	5	ed	ed	NOUN
gp-286	273	6	.	.	PUNCT
gp-286	273	7	)	)	PUNCT
gp-286	273	8	.	.	PUNCT
gp-286	274	1	mcgraw	mcgraw	PROPN
gp-286	274	2	-	-	PUNCT
gp-286	274	3	hill	hill	NOUN
gp-286	274	4	education	education	NOUN
gp-286	274	5	.	.	PUNCT
gp-286	275	1	saaty	saaty	NOUN
gp-286	275	2	,	,	PUNCT
gp-286	275	3	t.	t.	PROPN
gp-286	275	4	l.	l.	PROPN
gp-286	275	5	,	,	PUNCT
gp-286	275	6	&	&	CCONJ
gp-286	275	7	vargas	vargas	PROPN
gp-286	275	8	,	,	PUNCT
gp-286	275	9	l.	l.	PROPN
gp-286	275	10	g.	g.	PROPN
gp-286	275	11	(	(	PUNCT
gp-286	275	12	2022	2022	NUM
gp-286	275	13	)	)	PUNCT
gp-286	275	14	.	.	PUNCT
gp-286	276	1	decision	decision	NOUN
gp-286	276	2	making	make	VERB
gp-286	276	3	with	with	ADP
gp-286	276	4	the	the	DET
gp-286	276	5	analytic	analytic	ADJ
gp-286	276	6	network	network	NOUN
gp-286	276	7	process	process	NOUN
gp-286	276	8	(	(	PUNCT
gp-286	276	9	3rd	3rd	ADJ
gp-286	276	10	ed	ed	NOUN
gp-286	276	11	.	.	PUNCT
gp-286	276	12	)	)	PUNCT
gp-286	276	13	.	.	PUNCT
gp-286	277	1	springer	springer	NOUN
gp-286	277	2	.	.	PUNCT
gp-286	278	1	sekaran	sekaran	PROPN
gp-286	278	2	,	,	PUNCT
gp-286	278	3	u.	u.	PROPN
gp-286	278	4	,	,	PUNCT
gp-286	278	5	&	&	CCONJ
gp-286	278	6	bougie	bougie	PROPN
gp-286	278	7	,	,	PUNCT
gp-286	278	8	r.	r.	PROPN
gp-286	278	9	(	(	PUNCT
gp-286	278	10	2022	2022	NUM
gp-286	278	11	)	)	PUNCT
gp-286	278	12	.	.	PUNCT
gp-286	279	1	research	research	NOUN
gp-286	279	2	methods	method	NOUN
gp-286	279	3	for	for	ADP
gp-286	279	4	business	business	NOUN
gp-286	279	5	:	:	PUNCT
gp-286	279	6	a	a	DET
gp-286	279	7	skill	skill	NOUN
gp-286	279	8	building	building	NOUN
gp-286	279	9	approach	approach	NOUN
gp-286	279	10	(	(	PUNCT
gp-286	279	11	8th	8th	ADJ
gp-286	279	12	ed	ed	NOUN
gp-286	279	13	.	.	PUNCT
gp-286	279	14	)	)	PUNCT
gp-286	279	15	.	.	PUNCT
gp-286	280	1	john	john	PROPN
gp-286	280	2	wiley	wiley	PROPN
gp-286	280	3	&	&	CCONJ
gp-286	280	4	sons	son	NOUN
gp-286	280	5	.	.	PUNCT
gp-286	281	1	copyright	copyright	NOUN
gp-286	281	2	holders	holder	NOUN
gp-286	281	3	:	:	PUNCT
gp-286	281	4	herry	herry	VERB
gp-286	281	5	primatama	primatama	PROPN
gp-286	281	6	*	*	PUNCT
gp-286	281	7	,	,	PUNCT
gp-286	281	8	anisah	anisah	PROPN
gp-286	281	9	firli	firli	PROPN
gp-286	281	10	(	(	PUNCT
gp-286	281	11	2025	2025	NUM
gp-286	281	12	)	)	PUNCT
gp-286	281	13	first	first	ADJ
gp-286	281	14	publication	publication	NOUN
gp-286	281	15	right	right	NOUN
gp-286	281	16	:	:	PUNCT
gp-286	281	17	ajemb	ajemb	PROPN
gp-286	281	18	–	–	PUNCT
gp-286	281	19	american	american	ADJ
gp-286	281	20	journal	journal	PROPN
gp-286	281	21	of	of	ADP
gp-286	281	22	economic	economic	ADJ
gp-286	281	23	and	and	CCONJ
gp-286	281	24	management	management	NOUN
gp-286	281	25	business	business	NOUN
gp-286	281	26	https://doi.org/10.5089/9798400286438.002	https://doi.org/10.5089/9798400286438.002	NOUN
gp-286	281	27	https://doi.org/10.5089/9798400286216.002	https://doi.org/10.5089/9798400286216.002	X