id	sid	tid	token	lemma	pos
gp-47	1	1	253	253	NUM
gp-47	1	2	american	american	ADJ
gp-47	1	3	journal	journal	NOUN
gp-47	1	4	of	of	ADP
gp-47	1	5	economic	economic	ADJ
gp-47	1	6	and	and	CCONJ
gp-47	1	7	management	management	NOUN
gp-47	1	8	business	business	NOUN
gp-47	1	9	p	p	X
gp-47	1	10	-	-	PUNCT
gp-47	1	11	issn	issn	NOUN
gp-47	1	12	:	:	PUNCT
gp-47	1	13	xxxx	xxxx	ADJ
gp-47	1	14	-	-	PUNCT
gp-47	1	15	xxxx	xxxx	ADJ
gp-47	1	16	e	e	NOUN
gp-47	1	17	-	-	NOUN
gp-47	1	18	issn	issn	ADJ
gp-47	1	19	:	:	PUNCT
gp-47	1	20	2835	2835	NUM
gp-47	1	21	-	-	SYM
gp-47	1	22	5199	5199	NUM
gp-47	1	23	vol	vol	NOUN
gp-47	1	24	.	.	NOUN
gp-47	1	25	2	2	NUM
gp-47	1	26	no	no	NOUN
gp-47	1	27	.	.	NOUN
gp-47	1	28	7	7	NUM
gp-47	1	29	july	july	PROPN
gp-47	1	30	2023	2023	NUM
gp-47	1	31	the	the	DET
gp-47	1	32	mindset	mindset	NOUN
gp-47	1	33	of	of	ADP
gp-47	1	34	msme	msme	NOUN
gp-47	1	35	actors	actor	NOUN
gp-47	1	36	towards	towards	ADP
gp-47	1	37	online	online	ADJ
gp-47	1	38	loan	loan	NOUN
gp-47	1	39	application	application	NOUN
gp-47	1	40	(	(	PUNCT
gp-47	1	41	using	use	VERB
gp-47	1	42	the	the	DET
gp-47	1	43	rubicon	rubicon	PROPN
gp-47	1	44	model	model	PROPN
gp-47	1	45	perspective	perspective	PROPN
gp-47	1	46	)	)	PUNCT
gp-47	1	47	ike	ike	PROPN
gp-47	1	48	meilani	meilani	PROPN
gp-47	1	49	fajarsari	fajarsari	PROPN
gp-47	1	50	politeknik	politeknik	ADJ
gp-47	1	51	masamy	masamy	NOUN
gp-47	1	52	internasional	internasional	NOUN
gp-47	1	53	,	,	PUNCT
gp-47	1	54	banyuwangi	banyuwangi	ADJ
gp-47	1	55	email	email	NOUN
gp-47	1	56	:	:	PUNCT
gp-47	1	57	ike.meilani@polmain.ac.id	ike.meilani@polmain.ac.id	NOUN
gp-47	1	58	abstract	abstract	ADJ
gp-47	1	59	msmes	msme	NOUN
gp-47	1	60	receive	receive	VERB
gp-47	1	61	special	special	ADJ
gp-47	1	62	attention	attention	NOUN
gp-47	1	63	from	from	ADP
gp-47	1	64	the	the	DET
gp-47	1	65	government	government	NOUN
gp-47	1	66	and	and	CCONJ
gp-47	1	67	economic	economic	ADJ
gp-47	1	68	institutions	institution	NOUN
gp-47	1	69	because	because	SCONJ
gp-47	1	70	of	of	ADP
gp-47	1	71	their	their	PRON
gp-47	1	72	strategic	strategic	ADJ
gp-47	1	73	role	role	NOUN
gp-47	1	74	in	in	ADP
gp-47	1	75	supporting	support	VERB
gp-47	1	76	inclusive	inclusive	ADJ
gp-47	1	77	and	and	CCONJ
gp-47	1	78	sustainable	sustainable	ADJ
gp-47	1	79	economic	economic	ADJ
gp-47	1	80	growth	growth	NOUN
gp-47	1	81	.	.	PUNCT
gp-47	2	1	the	the	DET
gp-47	2	2	pandemic	pandemic	NOUN
gp-47	2	3	that	that	PRON
gp-47	2	4	hit	hit	VERB
gp-47	2	5	made	make	VERB
gp-47	2	6	the	the	DET
gp-47	2	7	msme	msme	NOUN
gp-47	2	8	economy	economy	NOUN
gp-47	2	9	decline	decline	NOUN
gp-47	2	10	.	.	PUNCT
gp-47	3	1	business	business	NOUN
gp-47	3	2	actors	actor	NOUN
gp-47	3	3	still	still	ADV
gp-47	3	4	want	want	VERB
gp-47	3	5	their	their	PRON
gp-47	3	6	business	business	NOUN
gp-47	3	7	to	to	PART
gp-47	3	8	run	run	VERB
gp-47	3	9	but	but	CCONJ
gp-47	3	10	are	be	AUX
gp-47	3	11	hampered	hamper	VERB
gp-47	3	12	by	by	ADP
gp-47	3	13	the	the	DET
gp-47	3	14	funds	fund	NOUN
gp-47	3	15	they	they	PRON
gp-47	3	16	have	have	VERB
gp-47	3	17	.	.	PUNCT
gp-47	4	1	one	one	NUM
gp-47	4	2	of	of	ADP
gp-47	4	3	the	the	DET
gp-47	4	4	efforts	effort	NOUN
gp-47	4	5	to	to	PART
gp-47	4	6	increase	increase	VERB
gp-47	4	7	business	business	NOUN
gp-47	4	8	capital	capital	NOUN
gp-47	4	9	by	by	ADP
gp-47	4	10	making	make	VERB
gp-47	4	11	an	an	DET
gp-47	4	12	online	online	ADJ
gp-47	4	13	loan	loan	NOUN
gp-47	4	14	.	.	PUNCT
gp-47	5	1	this	this	DET
gp-47	5	2	study	study	NOUN
gp-47	5	3	used	use	VERB
gp-47	5	4	quantitative	quantitative	ADJ
gp-47	5	5	methods	method	NOUN
gp-47	5	6	and	and	CCONJ
gp-47	5	7	the	the	DET
gp-47	5	8	type	type	NOUN
gp-47	5	9	of	of	ADP
gp-47	5	10	data	datum	NOUN
gp-47	5	11	used	use	VERB
gp-47	5	12	was	be	AUX
gp-47	5	13	primary	primary	ADJ
gp-47	5	14	data	datum	NOUN
gp-47	5	15	,	,	PUNCT
gp-47	5	16	namely	namely	ADV
gp-47	5	17	the	the	DET
gp-47	5	18	results	result	NOUN
gp-47	5	19	of	of	ADP
gp-47	5	20	distributing	distribute	VERB
gp-47	5	21	questionnaires	questionnaire	NOUN
gp-47	5	22	with	with	ADP
gp-47	5	23	questionnaires	questionnaire	NOUN
gp-47	5	24	using	use	VERB
gp-47	5	25	the	the	DET
gp-47	5	26	concept	concept	NOUN
gp-47	5	27	of	of	ADP
gp-47	5	28	the	the	DET
gp-47	5	29	rubicon	rubicon	PROPN
gp-47	5	30	model	model	NOUN
gp-47	5	31	.	.	PUNCT
gp-47	6	1	the	the	DET
gp-47	6	2	population	population	NOUN
gp-47	6	3	selected	select	VERB
gp-47	6	4	in	in	ADP
gp-47	6	5	this	this	DET
gp-47	6	6	study	study	NOUN
gp-47	6	7	is	be	AUX
gp-47	6	8	msmes	msme	NOUN
gp-47	6	9	in	in	ADP
gp-47	6	10	banyuwangi	banyuwangi	PROPN
gp-47	6	11	regency	regency	PROPN
gp-47	6	12	.	.	PUNCT
gp-47	7	1	there	there	PRON
gp-47	7	2	is	be	VERB
gp-47	7	3	a	a	DET
gp-47	7	4	predecisional	predecisional	ADJ
gp-47	7	5	(	(	PUNCT
gp-47	7	6	x1	x1	ADJ
gp-47	7	7	)	)	PUNCT
gp-47	7	8	influence	influence	NOUN
gp-47	7	9	on	on	ADP
gp-47	7	10	online	online	ADJ
gp-47	7	11	loans	loan	NOUN
gp-47	7	12	(	(	PUNCT
gp-47	7	13	y	y	NOUN
gp-47	7	14	)	)	PUNCT
gp-47	7	15	.	.	PUNCT
gp-47	8	1	crossingrub	crossingrub	NOUN
gp-47	8	2	(	(	PUNCT
gp-47	8	3	x2	x2	ADJ
gp-47	8	4	)	)	PUNCT
gp-47	8	5	affects	affect	VERB
gp-47	8	6	online	online	ADJ
gp-47	8	7	loans	loan	NOUN
gp-47	8	8	(	(	PUNCT
gp-47	8	9	y	y	NOUN
gp-47	8	10	)	)	PUNCT
gp-47	8	11	.	.	PUNCT
gp-47	9	1	in	in	ADP
gp-47	9	2	the	the	DET
gp-47	9	3	postdecisional	postdecisional	ADJ
gp-47	9	4	variable	variable	NOUN
gp-47	9	5	,	,	PUNCT
gp-47	9	6	there	there	PRON
gp-47	9	7	is	be	VERB
gp-47	9	8	no	no	DET
gp-47	9	9	postdecisional	postdecisional	ADJ
gp-47	9	10	influence	influence	NOUN
gp-47	9	11	(	(	PUNCT
gp-47	9	12	x3	x3	ADJ
gp-47	9	13	)	)	PUNCT
gp-47	9	14	on	on	ADP
gp-47	9	15	online	online	ADJ
gp-47	9	16	loans	loan	NOUN
gp-47	9	17	(	(	PUNCT
gp-47	9	18	y	y	NOUN
gp-47	9	19	)	)	PUNCT
gp-47	9	20	.	.	PUNCT
gp-47	10	1	in	in	ADP
gp-47	10	2	the	the	DET
gp-47	10	3	sustainingac	sustainingac	ADJ
gp-47	10	4	variable	variable	NOUN
gp-47	10	5	,	,	PUNCT
gp-47	10	6	there	there	PRON
gp-47	10	7	is	be	VERB
gp-47	10	8	an	an	DET
gp-47	10	9	influence	influence	NOUN
gp-47	10	10	of	of	ADP
gp-47	10	11	sustainingac	sustainingac	PROPN
gp-47	10	12	(	(	PUNCT
gp-47	10	13	x4	x4	PROPN
gp-47	10	14	)	)	PUNCT
gp-47	10	15	on	on	ADP
gp-47	10	16	online	online	ADJ
gp-47	10	17	loans	loan	NOUN
gp-47	10	18	(	(	PUNCT
gp-47	10	19	y	y	NOUN
gp-47	10	20	)	)	PUNCT
gp-47	10	21	.	.	PUNCT
gp-47	11	1	it	it	PRON
gp-47	11	2	requires	require	VERB
gp-47	11	3	a	a	DET
gp-47	11	4	wise	wise	ADJ
gp-47	11	5	and	and	CCONJ
gp-47	11	6	planning	planning	NOUN
gp-47	11	7	approach	approach	NOUN
gp-47	11	8	,	,	PUNCT
gp-47	11	9	online	online	ADJ
gp-47	11	10	loans	loan	NOUN
gp-47	11	11	can	can	AUX
gp-47	11	12	be	be	AUX
gp-47	11	13	a	a	DET
gp-47	11	14	valuable	valuable	ADJ
gp-47	11	15	tool	tool	NOUN
gp-47	11	16	for	for	SCONJ
gp-47	11	17	business	business	NOUN
gp-47	11	18	people	people	NOUN
gp-47	11	19	to	to	PART
gp-47	11	20	achieve	achieve	VERB
gp-47	11	21	their	their	PRON
gp-47	11	22	business	business	NOUN
gp-47	11	23	goals	goal	NOUN
gp-47	11	24	.	.	PUNCT
gp-47	12	1	keywords	keyword	NOUN
gp-47	12	2	:	:	PUNCT
gp-47	12	3	msmes	msme	NOUN
gp-47	12	4	;	;	PUNCT
gp-47	12	5	ijen	ijen	PROPN
gp-47	12	6	geopark	geopark	NOUN
gp-47	12	7	;	;	PUNCT
gp-47	12	8	online	online	ADJ
gp-47	12	9	loans	loan	NOUN
gp-47	12	10	this	this	DET
gp-47	12	11	article	article	NOUN
gp-47	12	12	is	be	AUX
gp-47	12	13	licensed	license	VERB
gp-47	12	14	under	under	ADP
gp-47	12	15	a	a	DET
gp-47	12	16	creative	creative	ADJ
gp-47	12	17	commons	common	NOUN
gp-47	12	18	attribution	attribution	NOUN
gp-47	12	19	-	-	PUNCT
gp-47	12	20	sharealike	sharealike	ADJ
gp-47	12	21	4.0	4.0	NUM
gp-47	12	22	international	international	ADJ
gp-47	12	23	introduction	introduction	NOUN
gp-47	12	24	the	the	DET
gp-47	12	25	development	development	NOUN
gp-47	12	26	of	of	ADP
gp-47	12	27	digital	digital	ADJ
gp-47	12	28	technology	technology	NOUN
gp-47	12	29	continues	continue	VERB
gp-47	12	30	to	to	PART
gp-47	12	31	affect	affect	VERB
gp-47	12	32	the	the	DET
gp-47	12	33	business	business	NOUN
gp-47	12	34	world	world	NOUN
gp-47	12	35	in	in	ADP
gp-47	12	36	rapid	rapid	ADJ
gp-47	12	37	and	and	CCONJ
gp-47	12	38	significant	significant	ADJ
gp-47	12	39	ways	way	NOUN
gp-47	12	40	(	(	PUNCT
gp-47	12	41	ratten	ratten	PROPN
gp-47	12	42	,	,	PUNCT
gp-47	12	43	2020	2020	NUM
gp-47	12	44	)	)	PUNCT
gp-47	12	45	.	.	PUNCT
gp-47	13	1	the	the	DET
gp-47	13	2	growth	growth	NOUN
gp-47	13	3	of	of	ADP
gp-47	13	4	e	e	NOUN
gp-47	13	5	-	-	NOUN
gp-47	13	6	commerce	commerce	NOUN
gp-47	13	7	continues	continue	VERB
gp-47	13	8	to	to	PART
gp-47	13	9	be	be	AUX
gp-47	13	10	the	the	DET
gp-47	13	11	dominant	dominant	ADJ
gp-47	13	12	trend	trend	NOUN
gp-47	13	13	worldwide	worldwide	ADV
gp-47	13	14	.	.	PUNCT
gp-47	14	1	consumers	consumer	NOUN
gp-47	14	2	are	be	AUX
gp-47	14	3	increasingly	increasingly	ADV
gp-47	14	4	relying	rely	VERB
gp-47	14	5	on	on	ADP
gp-47	14	6	online	online	ADJ
gp-47	14	7	shopping	shopping	NOUN
gp-47	14	8	to	to	PART
gp-47	14	9	purchase	purchase	VERB
gp-47	14	10	goods	good	NOUN
gp-47	14	11	and	and	CCONJ
gp-47	14	12	services	service	NOUN
gp-47	14	13	,	,	PUNCT
gp-47	14	14	prompting	prompt	VERB
gp-47	14	15	traditional	traditional	ADJ
gp-47	14	16	companies	company	NOUN
gp-47	14	17	to	to	PART
gp-47	14	18	adapt	adapt	VERB
gp-47	14	19	to	to	ADP
gp-47	14	20	more	more	ADJ
gp-47	14	21	digital	digital	ADJ
gp-47	14	22	business	business	NOUN
gp-47	14	23	models	model	NOUN
gp-47	14	24	(	(	PUNCT
gp-47	14	25	fu	fu	NOUN
gp-47	14	26	et	et	PROPN
gp-47	14	27	al	al	PROPN
gp-47	14	28	.	.	PROPN
gp-47	14	29	,	,	PUNCT
gp-47	14	30	2020	2020	NUM
gp-47	14	31	)	)	PUNCT
gp-47	14	32	.	.	PUNCT
gp-47	15	1	the	the	DET
gp-47	15	2	increased	increase	VERB
gp-47	15	3	accessibility	accessibility	NOUN
gp-47	15	4	of	of	ADP
gp-47	15	5	technology	technology	NOUN
gp-47	15	6	and	and	CCONJ
gp-47	15	7	resources	resource	NOUN
gp-47	15	8	has	have	AUX
gp-47	15	9	made	make	VERB
gp-47	15	10	it	it	PRON
gp-47	15	11	possible	possible	ADJ
gp-47	15	12	for	for	SCONJ
gp-47	15	13	anyone	anyone	PRON
gp-47	15	14	to	to	PART
gp-47	15	15	create	create	VERB
gp-47	15	16	innovative	innovative	ADJ
gp-47	15	17	solutions	solution	NOUN
gp-47	15	18	to	to	ADP
gp-47	15	19	existing	exist	VERB
gp-47	15	20	problems	problem	NOUN
gp-47	15	21	.	.	PUNCT
gp-47	16	1	the	the	DET
gp-47	16	2	emergence	emergence	NOUN
gp-47	16	3	of	of	ADP
gp-47	16	4	smartphones	smartphone	NOUN
gp-47	16	5	is	be	AUX
gp-47	16	6	one	one	NUM
gp-47	16	7	of	of	ADP
gp-47	16	8	the	the	DET
gp-47	16	9	technological	technological	ADJ
gp-47	16	10	developments	development	NOUN
gp-47	16	11	that	that	PRON
gp-47	16	12	are	be	AUX
gp-47	16	13	growing	grow	VERB
gp-47	16	14	rapidly	rapidly	ADV
gp-47	16	15	.	.	PUNCT
gp-47	17	1	in	in	ADP
gp-47	17	2	2022	2022	NUM
gp-47	17	3	indonesia	indonesia	PROPN
gp-47	17	4	ranks	rank	VERB
gp-47	17	5	fourth	fourth	ADV
gp-47	17	6	in	in	ADP
gp-47	17	7	the	the	DET
gp-47	17	8	world	world	NOUN
gp-47	17	9	in	in	ADP
gp-47	17	10	terms	term	NOUN
gp-47	17	11	of	of	ADP
gp-47	17	12	smartphone	smartphone	NOUN
gp-47	17	13	users	user	NOUN
gp-47	17	14	,	,	PUNCT
gp-47	17	15	with	with	ADP
gp-47	17	16	192	192	NUM
gp-47	17	17	million	million	NUM
gp-47	17	18	users	user	NOUN
gp-47	17	19	in	in	ADP
gp-47	17	20	newzoo	newzoo	PROPN
gp-47	17	21	quoted	quote	VERB
gp-47	17	22	(	(	PUNCT
gp-47	17	23	sadya	sadya	NOUN
gp-47	17	24	,	,	PUNCT
gp-47	17	25	2023	2023	NUM
gp-47	17	26	)	)	PUNCT
gp-47	17	27	.	.	PUNCT
gp-47	18	1	https://creativecommons.org/licenses/by-sa/4.0/	https://creativecommons.org/licenses/by-sa/4.0/	PROPN
gp-47	18	2	https://creativecommons.org/licenses/by-sa/4.0/	https://creativecommons.org/licenses/by-sa/4.0/	PROPN
gp-47	18	3	https://creativecommons.org/licenses/by-sa/4.0/	https://creativecommons.org/licenses/by-sa/4.0/	PROPN
gp-47	18	4	american	american	PROPN
gp-47	18	5	journal	journal	PROPN
gp-47	18	6	of	of	ADP
gp-47	18	7	economic	economic	ADJ
gp-47	18	8	and	and	CCONJ
gp-47	18	9	management	management	NOUN
gp-47	18	10	business	business	NOUN
gp-47	18	11	vol	vol	NOUN
gp-47	18	12	.	.	PROPN
gp-47	18	13	2	2	NUM
gp-47	18	14	no	no	NOUN
gp-47	18	15	.	.	NOUN
gp-47	18	16	7	7	NUM
gp-47	18	17	july	july	PROPN
gp-47	18	18	2023	2023	NUM
gp-47	18	19	254	254	NUM
gp-47	18	20	figure	figure	NOUN
gp-47	18	21	1	1	NUM
gp-47	18	22	data	datum	NOUN
gp-47	18	23	of	of	ADP
gp-47	18	24	smartphone	smartphone	NOUN
gp-47	18	25	user	user	NOUN
gp-47	18	26	countries	country	NOUN
gp-47	18	27	in	in	ADP
gp-47	18	28	the	the	DET
gp-47	18	29	world	world	NOUN
gp-47	18	30	smart	smart	ADJ
gp-47	18	31	phones	phone	NOUN
gp-47	18	32	can	can	AUX
gp-47	18	33	be	be	AUX
gp-47	18	34	used	use	VERB
gp-47	18	35	to	to	PART
gp-47	18	36	do	do	VERB
gp-47	18	37	many	many	ADJ
gp-47	18	38	things	thing	NOUN
gp-47	18	39	,	,	PUNCT
gp-47	18	40	such	such	ADJ
gp-47	18	41	as	as	ADP
gp-47	18	42	interact	interact	NOUN
gp-47	18	43	through	through	ADP
gp-47	18	44	social	social	ADJ
gp-47	18	45	media	medium	NOUN
gp-47	18	46	,	,	PUNCT
gp-47	18	47	pay	pay	VERB
gp-47	18	48	online	online	NOUN
gp-47	18	49	,	,	PUNCT
gp-47	18	50	and	and	CCONJ
gp-47	18	51	send	send	VERB
gp-47	18	52	messages	message	NOUN
gp-47	18	53	through	through	ADP
gp-47	18	54	instant	instant	ADJ
gp-47	18	55	messengers	messenger	NOUN
gp-47	18	56	.	.	PUNCT
gp-47	19	1	the	the	DET
gp-47	19	2	internet	internet	NOUN
gp-47	19	3	and	and	CCONJ
gp-47	19	4	digital	digital	ADJ
gp-47	19	5	technology	technology	NOUN
gp-47	19	6	have	have	AUX
gp-47	19	7	provided	provide	VERB
gp-47	19	8	easier	easy	ADJ
gp-47	19	9	and	and	CCONJ
gp-47	19	10	wider	wide	ADJ
gp-47	19	11	access	access	NOUN
gp-47	19	12	to	to	ADP
gp-47	19	13	information	information	NOUN
gp-47	19	14	.	.	PUNCT
gp-47	20	1	advances	advance	NOUN
gp-47	20	2	in	in	ADP
gp-47	20	3	technology	technology	NOUN
gp-47	20	4	have	have	AUX
gp-47	20	5	changed	change	VERB
gp-47	20	6	the	the	DET
gp-47	20	7	way	way	NOUN
gp-47	20	8	people	people	NOUN
gp-47	20	9	interact	interact	VERB
gp-47	20	10	and	and	CCONJ
gp-47	20	11	communicate	communicate	VERB
gp-47	20	12	with	with	ADP
gp-47	20	13	each	each	DET
gp-47	20	14	other	other	ADJ
gp-47	20	15	.	.	PUNCT
gp-47	21	1	better	well	ADJ
gp-47	21	2	connectedness	connectedness	NOUN
gp-47	21	3	allows	allow	VERB
gp-47	21	4	people	people	NOUN
gp-47	21	5	to	to	PART
gp-47	21	6	share	share	VERB
gp-47	21	7	views	view	NOUN
gp-47	21	8	,	,	PUNCT
gp-47	21	9	experiences	experience	NOUN
gp-47	21	10	,	,	PUNCT
gp-47	21	11	and	and	CCONJ
gp-47	21	12	ideas	idea	NOUN
gp-47	21	13	globally	globally	ADV
gp-47	21	14	(	(	PUNCT
gp-47	21	15	kwantes	kwantes	PROPN
gp-47	21	16	&	&	CCONJ
gp-47	21	17	chung	chung	PROPN
gp-47	21	18	-	-	PUNCT
gp-47	21	19	yan	yan	PROPN
gp-47	21	20	,	,	PUNCT
gp-47	21	21	2016	2016	NUM
gp-47	21	22	)	)	PUNCT
gp-47	21	23	.	.	PUNCT
gp-47	22	1	this	this	PRON
gp-47	22	2	allows	allow	VERB
gp-47	22	3	people	people	NOUN
gp-47	22	4	to	to	PART
gp-47	22	5	seek	seek	VERB
gp-47	22	6	knowledge	knowledge	NOUN
gp-47	22	7	,	,	PUNCT
gp-47	22	8	learn	learn	VERB
gp-47	22	9	about	about	ADP
gp-47	22	10	new	new	ADJ
gp-47	22	11	things	thing	NOUN
gp-47	22	12	,	,	PUNCT
gp-47	22	13	and	and	CCONJ
gp-47	22	14	access	access	NOUN
gp-47	22	15	news	news	NOUN
gp-47	22	16	and	and	CCONJ
gp-47	22	17	information	information	NOUN
gp-47	22	18	from	from	ADP
gp-47	22	19	various	various	ADJ
gp-47	22	20	sources	source	NOUN
gp-47	22	21	,	,	PUNCT
gp-47	22	22	as	as	ADP
gp-47	22	23	a	a	DET
gp-47	22	24	result	result	NOUN
gp-47	22	25	by	by	ADP
gp-47	22	26	having	have	VERB
gp-47	22	27	access	access	NOUN
gp-47	22	28	to	to	ADP
gp-47	22	29	various	various	ADJ
gp-47	22	30	perspectives	perspective	NOUN
gp-47	22	31	and	and	CCONJ
gp-47	22	32	points	point	NOUN
gp-47	22	33	of	of	ADP
gp-47	22	34	view	view	NOUN
gp-47	22	35	,	,	PUNCT
gp-47	22	36	the	the	DET
gp-47	22	37	mindset	mindset	NOUN
gp-47	22	38	of	of	ADP
gp-47	22	39	the	the	DET
gp-47	22	40	community	community	NOUN
gp-47	22	41	becomes	become	VERB
gp-47	22	42	more	more	ADV
gp-47	22	43	open	open	ADJ
gp-47	22	44	and	and	CCONJ
gp-47	22	45	diverse	diverse	ADJ
gp-47	22	46	.	.	PUNCT
gp-47	23	1	business	business	NOUN
gp-47	23	2	activities	activity	NOUN
gp-47	23	3	can	can	AUX
gp-47	23	4	not	not	PART
gp-47	23	5	be	be	AUX
gp-47	23	6	separated	separate	VERB
gp-47	23	7	from	from	ADP
gp-47	23	8	technology	technology	NOUN
gp-47	23	9	,	,	PUNCT
gp-47	23	10	technology	technology	NOUN
gp-47	23	11	facilitates	facilitate	VERB
gp-47	23	12	various	various	ADJ
gp-47	23	13	forms	form	NOUN
gp-47	23	14	of	of	ADP
gp-47	23	15	innovation	innovation	NOUN
gp-47	23	16	and	and	CCONJ
gp-47	23	17	creativity	creativity	NOUN
gp-47	23	18	by	by	ADP
gp-47	23	19	providing	provide	VERB
gp-47	23	20	a	a	DET
gp-47	23	21	platform	platform	NOUN
gp-47	23	22	that	that	PRON
gp-47	23	23	makes	make	VERB
gp-47	23	24	it	it	PRON
gp-47	23	25	easier	easy	ADJ
gp-47	23	26	for	for	SCONJ
gp-47	23	27	people	people	NOUN
gp-47	23	28	to	to	PART
gp-47	23	29	create	create	VERB
gp-47	23	30	new	new	ADJ
gp-47	23	31	products	product	NOUN
gp-47	23	32	or	or	CCONJ
gp-47	23	33	services	service	NOUN
gp-47	23	34	(	(	PUNCT
gp-47	23	35	coelho	coelho	NOUN
gp-47	23	36	&	&	CCONJ
gp-47	23	37	de	de	PROPN
gp-47	23	38	brito	brito	PROPN
gp-47	23	39	,	,	PUNCT
gp-47	23	40	2013	2013	NUM
gp-47	23	41	)	)	PUNCT
gp-47	23	42	.	.	PUNCT
gp-47	24	1	one	one	NUM
gp-47	24	2	form	form	NOUN
gp-47	24	3	of	of	ADP
gp-47	24	4	combining	combine	VERB
gp-47	24	5	information	information	NOUN
gp-47	24	6	technology	technology	NOUN
gp-47	24	7	and	and	CCONJ
gp-47	24	8	financial	financial	ADJ
gp-47	24	9	services	service	NOUN
gp-47	24	10	that	that	PRON
gp-47	24	11	can	can	AUX
gp-47	24	12	make	make	VERB
gp-47	24	13	transactions	transaction	NOUN
gp-47	24	14	carried	carry	VERB
gp-47	24	15	out	out	ADP
gp-47	24	16	quickly	quickly	ADV
gp-47	24	17	without	without	ADP
gp-47	24	18	worrying	worry	VERB
gp-47	24	19	about	about	ADP
gp-47	24	20	distance	distance	NOUN
gp-47	24	21	is	be	AUX
gp-47	24	22	fintech	fintech	NOUN
gp-47	24	23	.	.	PUNCT
gp-47	25	1	one	one	NUM
gp-47	25	2	of	of	ADP
gp-47	25	3	the	the	DET
gp-47	25	4	factors	factor	NOUN
gp-47	25	5	driving	drive	VERB
gp-47	25	6	the	the	DET
gp-47	25	7	growth	growth	NOUN
gp-47	25	8	of	of	ADP
gp-47	25	9	fintech	fintech	NOUN
gp-47	25	10	innovation	innovation	NOUN
gp-47	25	11	is	be	AUX
gp-47	25	12	the	the	DET
gp-47	25	13	change	change	NOUN
gp-47	25	14	in	in	ADP
gp-47	25	15	consumer	consumer	NOUN
gp-47	25	16	perspective	perspective	NOUN
gp-47	25	17	on	on	ADP
gp-47	25	18	the	the	DET
gp-47	25	19	importance	importance	NOUN
gp-47	25	20	of	of	ADP
gp-47	25	21	having	have	VERB
gp-47	25	22	an	an	DET
gp-47	25	23	internet	internet	NOUN
gp-47	25	24	connection	connection	NOUN
gp-47	25	25	that	that	PRON
gp-47	25	26	allows	allow	VERB
gp-47	25	27	transactions	transaction	NOUN
gp-47	25	28	to	to	PART
gp-47	25	29	be	be	AUX
gp-47	25	30	made	make	VERB
gp-47	25	31	quickly	quickly	ADV
gp-47	25	32	and	and	CCONJ
gp-47	25	33	easily	easily	ADV
gp-47	25	34	(	(	PUNCT
gp-47	25	35	rizvi	rizvi	PROPN
gp-47	25	36	et	et	PROPN
gp-47	25	37	al	al	PROPN
gp-47	25	38	.	.	PROPN
gp-47	25	39	,	,	PUNCT
gp-47	25	40	2018	2018	NUM
gp-47	25	41	)	)	PUNCT
gp-47	25	42	.	.	PUNCT
gp-47	26	1	one	one	NUM
gp-47	26	2	type	type	NOUN
gp-47	26	3	of	of	ADP
gp-47	26	4	business	business	NOUN
gp-47	26	5	in	in	ADP
gp-47	26	6	the	the	DET
gp-47	26	7	fintech	fintech	NOUN
gp-47	26	8	industry	industry	NOUN
gp-47	26	9	is	be	AUX
gp-47	26	10	online	online	ADJ
gp-47	26	11	loans	loan	NOUN
gp-47	26	12	.	.	PUNCT
gp-47	27	1	online	online	ADJ
gp-47	27	2	loans	loan	NOUN
gp-47	27	3	are	be	AUX
gp-47	27	4	a	a	DET
gp-47	27	5	type	type	NOUN
gp-47	27	6	of	of	ADP
gp-47	27	7	loan	loan	NOUN
gp-47	27	8	that	that	PRON
gp-47	27	9	can	can	AUX
gp-47	27	10	be	be	AUX
gp-47	27	11	applied	apply	VERB
gp-47	27	12	for	for	ADP
gp-47	27	13	and	and	CCONJ
gp-47	27	14	processed	process	VERB
gp-47	27	15	online	online	ADV
gp-47	27	16	through	through	ADP
gp-47	27	17	platforms	platform	NOUN
gp-47	27	18	or	or	CCONJ
gp-47	27	19	websites	website	NOUN
gp-47	27	20	that	that	PRON
gp-47	27	21	provide	provide	VERB
gp-47	27	22	loan	loan	NOUN
gp-47	27	23	services	service	NOUN
gp-47	27	24	electronically	electronically	ADV
gp-47	27	25	(	(	PUNCT
gp-47	27	26	wahyuni	wahyuni	PROPN
gp-47	27	27	,	,	PUNCT
gp-47	27	28	2020	2020	NUM
gp-47	27	29	)	)	PUNCT
gp-47	27	30	.	.	PUNCT
gp-47	28	1	online	online	ADJ
gp-47	28	2	loans	loan	NOUN
gp-47	28	3	have	have	VERB
gp-47	28	4	characteristics	characteristic	NOUN
gp-47	28	5	such	such	ADJ
gp-47	28	6	as	as	ADP
gp-47	28	7	,	,	PUNCT
gp-47	28	8	the	the	DET
gp-47	28	9	loan	loan	NOUN
gp-47	28	10	application	application	NOUN
gp-47	28	11	procedure	procedure	NOUN
gp-47	28	12	is	be	AUX
gp-47	28	13	carried	carry	VERB
gp-47	28	14	out	out	ADP
gp-47	28	15	online	online	ADV
gp-47	28	16	through	through	ADP
gp-47	28	17	a	a	DET
gp-47	28	18	website	website	NOUN
gp-47	28	19	or	or	CCONJ
gp-47	28	20	mobile	mobile	ADJ
gp-47	28	21	application	application	NOUN
gp-47	28	22	,	,	PUNCT
gp-47	28	23	the	the	DET
gp-47	28	24	process	process	NOUN
gp-47	28	25	is	be	AUX
gp-47	28	26	faster	fast	ADJ
gp-47	28	27	,	,	PUNCT
gp-47	28	28	and	and	CCONJ
gp-47	28	29	without	without	ADP
gp-47	28	30	collateral	collateral	NOUN
gp-47	28	31	.	.	PUNCT
gp-47	29	1	the	the	DET
gp-47	29	2	ease	ease	NOUN
gp-47	29	3	of	of	ADP
gp-47	29	4	borrowing	borrowing	NOUN
gp-47	29	5	funds	fund	NOUN
gp-47	29	6	is	be	AUX
gp-47	29	7	more	more	ADV
gp-47	29	8	efficient	efficient	ADJ
gp-47	29	9	and	and	CCONJ
gp-47	29	10	increasingly	increasingly	ADV
gp-47	29	11	popular	popular	ADJ
gp-47	29	12	among	among	ADP
gp-47	29	13	the	the	DET
gp-47	29	14	community	community	NOUN
gp-47	29	15	.	.	PUNCT
gp-47	30	1	msmes	msme	NOUN
gp-47	30	2	have	have	VERB
gp-47	30	3	an	an	DET
gp-47	30	4	important	important	ADJ
gp-47	30	5	role	role	NOUN
gp-47	30	6	in	in	ADP
gp-47	30	7	the	the	DET
gp-47	30	8	economy	economy	NOUN
gp-47	30	9	because	because	SCONJ
gp-47	30	10	they	they	PRON
gp-47	30	11	contribute	contribute	VERB
gp-47	30	12	to	to	ADP
gp-47	30	13	creating	create	VERB
gp-47	30	14	jobs	job	NOUN
gp-47	30	15	,	,	PUNCT
gp-47	30	16	increasing	increase	VERB
gp-47	30	17	economic	economic	ADJ
gp-47	30	18	growth	growth	NOUN
gp-47	30	19	,	,	PUNCT
gp-47	30	20	and	and	CCONJ
gp-47	30	21	acting	act	VERB
gp-47	30	22	as	as	ADP
gp-47	30	23	innovators	innovator	NOUN
gp-47	30	24	in	in	ADP
gp-47	30	25	various	various	ADJ
gp-47	30	26	business	business	NOUN
gp-47	30	27	sectors	sector	NOUN
gp-47	30	28	(	(	PUNCT
gp-47	30	29	franquesa	franquesa	PROPN
gp-47	30	30	&	&	CCONJ
gp-47	30	31	vera	vera	NOUN
gp-47	30	32	,	,	PUNCT
gp-47	30	33	2021	2021	NUM
gp-47	30	34	)	)	PUNCT
gp-47	30	35	.	.	PUNCT
gp-47	31	1	the	the	DET
gp-47	31	2	scale	scale	NOUN
gp-47	31	3	of	of	ADP
gp-47	31	4	msmes	msme	NOUN
gp-47	31	5	is	be	AUX
gp-47	31	6	smaller	small	ADJ
gp-47	31	7	than	than	ADP
gp-47	31	8	large	large	ADJ
gp-47	31	9	companies	company	NOUN
gp-47	31	10	,	,	PUNCT
gp-47	31	11	management	management	NOUN
gp-47	31	12	control	control	NOUN
gp-47	31	13	is	be	AUX
gp-47	31	14	needed	need	VERB
gp-47	31	15	to	to	PART
gp-47	31	16	continue	continue	VERB
gp-47	31	17	to	to	PART
gp-47	31	18	assist	assist	VERB
gp-47	31	19	msme	msme	NOUN
gp-47	31	20	owners	owner	NOUN
gp-47	31	21	in	in	ADP
gp-47	31	22	managing	manage	VERB
gp-47	31	23	their	their	PRON
gp-47	31	24	businesses	business	NOUN
gp-47	31	25	efficiently	efficiently	ADV
gp-47	31	26	and	and	CCONJ
gp-47	31	27	effectively	effectively	ADV
gp-47	31	28	(	(	PUNCT
gp-47	31	29	nopiyani	nopiyani	PROPN
gp-47	31	30	,	,	PUNCT
gp-47	31	31	et	et	PROPN
gp-47	31	32	al	al	PROPN
gp-47	31	33	.	.	PROPN
gp-47	31	34	,	,	PUNCT
gp-47	31	35	2022	2022	NUM
gp-47	31	36	)	)	PUNCT
gp-47	31	37	.	.	PUNCT
gp-47	32	1	the	the	DET
gp-47	32	2	covid-19	covid-19	PROPN
gp-47	32	3	pandemic	pandemic	NOUN
gp-47	32	4	not	not	PART
gp-47	32	5	only	only	ADV
gp-47	32	6	has	have	VERB
gp-47	32	7	an	an	DET
gp-47	32	8	impact	impact	NOUN
gp-47	32	9	on	on	ADP
gp-47	32	10	the	the	DET
gp-47	32	11	economic	economic	ADJ
gp-47	32	12	aspect	aspect	NOUN
gp-47	32	13	but	but	CCONJ
gp-47	32	14	also	also	ADV
gp-47	32	15	has	have	VERB
gp-47	32	16	an	an	DET
gp-47	32	17	impact	impact	NOUN
gp-47	32	18	on	on	ADP
gp-47	32	19	the	the	DET
gp-47	32	20	consumption	consumption	NOUN
gp-47	32	21	behavior	behavior	NOUN
gp-47	32	22	of	of	ADP
gp-47	32	23	needs	need	NOUN
gp-47	32	24	in	in	ADP
gp-47	32	25	the	the	DET
gp-47	32	26	community	community	NOUN
gp-47	32	27	,	,	PUNCT
gp-47	32	28	including	include	VERB
gp-47	32	29	msmes	msme	NOUN
gp-47	32	30	.	.	PUNCT
gp-47	33	1	many	many	ADJ
gp-47	33	2	msmes	msme	NOUN
gp-47	33	3	experienced	experience	VERB
gp-47	33	4	a	a	DET
gp-47	33	5	decline	decline	NOUN
gp-47	33	6	in	in	ADP
gp-47	33	7	income	income	NOUN
gp-47	33	8	due	due	ADJ
gp-47	33	9	to	to	ADP
gp-47	33	10	decreased	decrease	VERB
gp-47	33	11	demand	demand	NOUN
gp-47	33	12	and	and	CCONJ
gp-47	33	13	restrictions	restriction	NOUN
gp-47	33	14	on	on	ADP
gp-47	33	15	economic	economic	ADJ
gp-47	33	16	activity	activity	NOUN
gp-47	33	17	during	during	ADP
gp-47	33	18	the	the	DET
gp-47	33	19	pandemic	pandemic	ADJ
gp-47	33	20	as	as	ADV
gp-47	33	21	well	well	ADV
gp-47	33	22	as	as	ADP
gp-47	33	23	suboptimal	suboptimal	ADJ
gp-47	33	24	internal	internal	ADJ
gp-47	33	25	controls	control	NOUN
gp-47	33	26	(	(	PUNCT
gp-47	33	27	amin	amin	NOUN
gp-47	33	28	,	,	PUNCT
gp-47	33	29	meilani	meilani	NOUN
gp-47	33	30	,	,	PUNCT
gp-47	33	31	agus	agus	NOUN
gp-47	33	32	,	,	PUNCT
gp-47	33	33	&	&	CCONJ
gp-47	33	34	firdaus	firdaus	PROPN
gp-47	33	35	,	,	PUNCT
gp-47	33	36	2023	2023	NUM
gp-47	33	37	)	)	PUNCT
gp-47	33	38	.	.	PUNCT
gp-47	34	1	in	in	ADP
gp-47	34	2	addition	addition	NOUN
gp-47	34	3	,	,	PUNCT
gp-47	34	4	msmes	msme	NOUN
gp-47	34	5	also	also	ADV
gp-47	34	6	find	find	VERB
gp-47	34	7	it	it	PRON
gp-47	34	8	difficult	difficult	ADJ
gp-47	34	9	to	to	PART
gp-47	34	10	obtain	obtain	VERB
gp-47	34	11	additional	additional	ADJ
gp-47	34	12	capital	capital	NOUN
gp-47	34	13	to	to	PART
gp-47	34	14	maintain	maintain	VERB
gp-47	34	15	ike	ike	PROPN
gp-47	34	16	meilani	meilani	PROPN
gp-47	34	17	fajarsari	fajarsari	PROPN
gp-47	34	18	255	255	NUM
gp-47	34	19	their	their	PRON
gp-47	34	20	operations	operation	NOUN
gp-47	34	21	.	.	PUNCT
gp-47	35	1	after	after	ADP
gp-47	35	2	the	the	DET
gp-47	35	3	pandemic	pandemic	NOUN
gp-47	35	4	,	,	PUNCT
gp-47	35	5	msmes	msme	NOUN
gp-47	35	6	continue	continue	VERB
gp-47	35	7	to	to	PART
gp-47	35	8	struggle	struggle	VERB
gp-47	35	9	to	to	PART
gp-47	35	10	survive	survive	VERB
gp-47	35	11	by	by	ADP
gp-47	35	12	finding	find	VERB
gp-47	35	13	creative	creative	ADJ
gp-47	35	14	ways	way	NOUN
gp-47	35	15	to	to	PART
gp-47	35	16	survive	survive	VERB
gp-47	35	17	,	,	PUNCT
gp-47	35	18	innovate	innovate	VERB
gp-47	35	19	and	and	CCONJ
gp-47	35	20	adapt	adapt	VERB
gp-47	35	21	to	to	ADP
gp-47	35	22	changing	change	VERB
gp-47	35	23	situations	situation	NOUN
gp-47	35	24	.	.	PUNCT
gp-47	36	1	one	one	NUM
gp-47	36	2	way	way	NOUN
gp-47	36	3	to	to	PART
gp-47	36	4	survive	survive	VERB
gp-47	36	5	by	by	ADP
gp-47	36	6	increasing	increase	VERB
gp-47	36	7	capital	capital	NOUN
gp-47	36	8	is	be	AUX
gp-47	36	9	by	by	ADP
gp-47	36	10	borrowing	borrow	VERB
gp-47	36	11	on	on	ADP
gp-47	36	12	online	online	ADJ
gp-47	36	13	loans	loan	NOUN
gp-47	36	14	.	.	PUNCT
gp-47	37	1	this	this	PRON
gp-47	37	2	is	be	AUX
gp-47	37	3	because	because	SCONJ
gp-47	37	4	the	the	DET
gp-47	37	5	process	process	NOUN
gp-47	37	6	is	be	AUX
gp-47	37	7	faster	fast	ADJ
gp-47	37	8	and	and	CCONJ
gp-47	37	9	loan	loan	NOUN
gp-47	37	10	funds	fund	NOUN
gp-47	37	11	can	can	AUX
gp-47	37	12	be	be	AUX
gp-47	37	13	disbursed	disburse	VERB
gp-47	37	14	in	in	ADP
gp-47	37	15	a	a	DET
gp-47	37	16	short	short	ADJ
gp-47	37	17	time	time	NOUN
gp-47	37	18	after	after	ADP
gp-47	37	19	approval	approval	NOUN
gp-47	37	20	.	.	PUNCT
gp-47	38	1	but	but	CCONJ
gp-47	38	2	it	it	PRON
gp-47	38	3	is	be	AUX
gp-47	38	4	undeniable	undeniable	ADJ
gp-47	38	5	that	that	SCONJ
gp-47	38	6	in	in	ADP
gp-47	38	7	some	some	DET
gp-47	38	8	cases	case	NOUN
gp-47	38	9	with	with	ADP
gp-47	38	10	online	online	ADJ
gp-47	38	11	loans	loan	NOUN
gp-47	38	12	,	,	PUNCT
gp-47	38	13	if	if	SCONJ
gp-47	38	14	the	the	DET
gp-47	38	15	borrower	borrower	NOUN
gp-47	38	16	can	can	AUX
gp-47	38	17	not	not	PART
gp-47	38	18	manage	manage	VERB
gp-47	38	19	loan	loan	NOUN
gp-47	38	20	payments	payment	NOUN
gp-47	38	21	properly	properly	ADV
gp-47	38	22	,	,	PUNCT
gp-47	38	23	the	the	DET
gp-47	38	24	borrower	borrower	NOUN
gp-47	38	25	can	can	AUX
gp-47	38	26	face	face	VERB
gp-47	38	27	sanctions	sanction	NOUN
gp-47	38	28	in	in	ADP
gp-47	38	29	the	the	DET
gp-47	38	30	form	form	NOUN
gp-47	38	31	of	of	ADP
gp-47	38	32	fines	fine	NOUN
gp-47	38	33	or	or	CCONJ
gp-47	38	34	penalties	penalty	NOUN
gp-47	38	35	.	.	PUNCT
gp-47	39	1	in	in	ADP
gp-47	39	2	the	the	DET
gp-47	39	3	perspective	perspective	NOUN
gp-47	39	4	of	of	ADP
gp-47	39	5	the	the	DET
gp-47	39	6	action	action	NOUN
gp-47	39	7	phase	phase	NOUN
gp-47	39	8	model	model	NOUN
gp-47	39	9	,	,	PUNCT
gp-47	39	10	rubicon	rubicon	PROPN
gp-47	39	11	provides	provide	VERB
gp-47	39	12	an	an	DET
gp-47	39	13	explanation	explanation	NOUN
gp-47	39	14	of	of	ADP
gp-47	39	15	the	the	DET
gp-47	39	16	stages	stage	NOUN
gp-47	39	17	of	of	ADP
gp-47	39	18	decision	decision	NOUN
gp-47	39	19	-	-	PUNCT
gp-47	39	20	making	make	VERB
gp-47	39	21	behavior	behavior	NOUN
gp-47	39	22	(	(	PUNCT
gp-47	39	23	liu	liu	PROPN
gp-47	39	24	,	,	PUNCT
gp-47	39	25	lai	lai	PROPN
gp-47	39	26	,	,	PUNCT
gp-47	39	27	hwang	hwang	PROPN
gp-47	39	28	,	,	PUNCT
gp-47	39	29	&	&	CCONJ
gp-47	39	30	tu	tu	PROPN
gp-47	39	31	,	,	PUNCT
gp-47	39	32	2022	2022	NUM
gp-47	39	33	)	)	PUNCT
gp-47	39	34	(	(	PUNCT
gp-47	39	35	kim	kim	PROPN
gp-47	39	36	,	,	PUNCT
gp-47	39	37	shin	shin	PROPN
gp-47	39	38	,	,	PUNCT
gp-47	39	39	&	&	CCONJ
gp-47	39	40	lee	lee	PROPN
gp-47	39	41	,	,	PUNCT
gp-47	39	42	2020	2020	NUM
gp-47	39	43	)	)	PUNCT
gp-47	39	44	.	.	PUNCT
gp-47	40	1	according	accord	VERB
gp-47	40	2	to	to	ADP
gp-47	40	3	the	the	DET
gp-47	40	4	rubicon	rubicon	PROPN
gp-47	40	5	model	model	NOUN
gp-47	40	6	there	there	PRON
gp-47	40	7	are	be	VERB
gp-47	40	8	four	four	NUM
gp-47	40	9	phases	phase	NOUN
gp-47	40	10	of	of	ADP
gp-47	40	11	one	one	NUM
gp-47	40	12	's	's	PART
gp-47	40	13	actions	action	NOUN
gp-47	40	14	,	,	PUNCT
gp-47	40	15	in	in	ADP
gp-47	40	16	this	this	DET
gp-47	40	17	theory	theory	NOUN
gp-47	40	18	describing	describe	VERB
gp-47	40	19	the	the	DET
gp-47	40	20	mental	mental	ADJ
gp-47	40	21	and	and	CCONJ
gp-47	40	22	emotional	emotional	ADJ
gp-47	40	23	processes	process	NOUN
gp-47	40	24	that	that	PRON
gp-47	40	25	occur	occur	VERB
gp-47	40	26	when	when	SCONJ
gp-47	40	27	a	a	DET
gp-47	40	28	person	person	NOUN
gp-47	40	29	decides	decide	VERB
gp-47	40	30	to	to	PART
gp-47	40	31	take	take	VERB
gp-47	40	32	action	action	NOUN
gp-47	40	33	and	and	CCONJ
gp-47	40	34	overcome	overcome	VERB
gp-47	40	35	obstacles	obstacle	NOUN
gp-47	40	36	in	in	ADP
gp-47	40	37	achieving	achieve	VERB
gp-47	40	38	those	those	DET
gp-47	40	39	goals	goal	NOUN
gp-47	40	40	.	.	PUNCT
gp-47	41	1	first	first	ADV
gp-47	41	2	,	,	PUNCT
gp-47	41	3	the	the	DET
gp-47	41	4	predecision	predecision	NOUN
gp-47	41	5	phase	phase	NOUN
gp-47	41	6	is	be	AUX
gp-47	41	7	where	where	SCONJ
gp-47	41	8	potential	potential	ADJ
gp-47	41	9	goals	goal	NOUN
gp-47	41	10	are	be	AUX
gp-47	41	11	evaluated	evaluate	VERB
gp-47	41	12	using	use	VERB
gp-47	41	13	a	a	DET
gp-47	41	14	mindset	mindset	NOUN
gp-47	41	15	of	of	ADP
gp-47	41	16	considering	consider	VERB
gp-47	41	17	to	to	PART
gp-47	41	18	decide	decide	VERB
gp-47	41	19	on	on	ADP
gp-47	41	20	a	a	DET
gp-47	41	21	choice	choice	NOUN
gp-47	41	22	.	.	PUNCT
gp-47	42	1	second	second	ADJ
gp-47	42	2	,	,	PUNCT
gp-47	42	3	the	the	DET
gp-47	42	4	phase	phase	NOUN
gp-47	42	5	of	of	ADP
gp-47	42	6	crossing	cross	VERB
gp-47	42	7	the	the	DET
gp-47	42	8	rubicon	rubicon	PROPN
gp-47	42	9	is	be	AUX
gp-47	42	10	to	to	PART
gp-47	42	11	have	have	AUX
gp-47	42	12	made	make	VERB
gp-47	42	13	a	a	DET
gp-47	42	14	choice	choice	NOUN
gp-47	42	15	and	and	CCONJ
gp-47	42	16	started	start	VERB
gp-47	42	17	making	make	VERB
gp-47	42	18	that	that	DET
gp-47	42	19	decision	decision	NOUN
gp-47	42	20	.	.	PUNCT
gp-47	43	1	the	the	DET
gp-47	43	2	third	third	ADJ
gp-47	43	3	phase	phase	NOUN
gp-47	43	4	,	,	PUNCT
gp-47	43	5	postdecisional	postdecisional	NOUN
gp-47	43	6	,	,	PUNCT
gp-47	43	7	is	be	AUX
gp-47	43	8	the	the	DET
gp-47	43	9	ability	ability	NOUN
gp-47	43	10	to	to	PART
gp-47	43	11	face	face	VERB
gp-47	43	12	the	the	DET
gp-47	43	13	consequences	consequence	NOUN
gp-47	43	14	of	of	ADP
gp-47	43	15	the	the	DET
gp-47	43	16	decisions	decision	NOUN
gp-47	43	17	they	they	PRON
gp-47	43	18	have	have	AUX
gp-47	43	19	taken	take	VERB
gp-47	43	20	and	and	CCONJ
gp-47	43	21	remain	remain	VERB
gp-47	43	22	committed	committed	ADJ
gp-47	43	23	to	to	ADP
gp-47	43	24	the	the	DET
gp-47	43	25	actions	action	NOUN
gp-47	43	26	they	they	PRON
gp-47	43	27	have	have	AUX
gp-47	43	28	chosen	choose	VERB
gp-47	43	29	.	.	PUNCT
gp-47	44	1	last	last	ADJ
gp-47	44	2	is	be	AUX
gp-47	44	3	the	the	DET
gp-47	44	4	sustaining	sustain	VERB
gp-47	44	5	action	action	NOUN
gp-47	44	6	phase	phase	NOUN
gp-47	44	7	,	,	PUNCT
gp-47	44	8	where	where	SCONJ
gp-47	44	9	consistency	consistency	NOUN
gp-47	44	10	and	and	CCONJ
gp-47	44	11	constancy	constancy	NOUN
gp-47	44	12	are	be	AUX
gp-47	44	13	needed	need	VERB
gp-47	44	14	to	to	PART
gp-47	44	15	achieve	achieve	VERB
gp-47	44	16	the	the	DET
gp-47	44	17	desired	desire	VERB
gp-47	44	18	goals	goal	NOUN
gp-47	44	19	.	.	PUNCT
gp-47	45	1	based	base	VERB
gp-47	45	2	on	on	ADP
gp-47	45	3	the	the	DET
gp-47	45	4	background	background	NOUN
gp-47	45	5	description	description	NOUN
gp-47	45	6	above	above	ADV
gp-47	45	7	,	,	PUNCT
gp-47	45	8	this	this	DET
gp-47	45	9	study	study	NOUN
gp-47	45	10	answers	answer	VERB
gp-47	45	11	the	the	DET
gp-47	45	12	problem	problem	NOUN
gp-47	45	13	,	,	PUNCT
gp-47	45	14	what	what	PRON
gp-47	45	15	is	be	AUX
gp-47	45	16	the	the	DET
gp-47	45	17	mindset	mindset	NOUN
gp-47	45	18	of	of	ADP
gp-47	45	19	msmes	msme	NOUN
gp-47	45	20	regarding	regard	VERB
gp-47	45	21	the	the	DET
gp-47	45	22	use	use	NOUN
gp-47	45	23	of	of	ADP
gp-47	45	24	online	online	ADJ
gp-47	45	25	loan	loan	NOUN
gp-47	45	26	applications	application	NOUN
gp-47	45	27	using	use	VERB
gp-47	45	28	the	the	DET
gp-47	45	29	rubicon	rubicon	PROPN
gp-47	45	30	perspective	perspective	NOUN
gp-47	45	31	?	?	PUNCT
gp-47	46	1	research	research	NOUN
gp-47	46	2	methods	method	NOUN
gp-47	46	3	based	base	VERB
gp-47	46	4	on	on	ADP
gp-47	46	5	the	the	DET
gp-47	46	6	method	method	NOUN
gp-47	46	7	used	use	VERB
gp-47	46	8	,	,	PUNCT
gp-47	46	9	this	this	DET
gp-47	46	10	study	study	NOUN
gp-47	46	11	uses	use	VERB
gp-47	46	12	quantitative	quantitative	ADJ
gp-47	46	13	methods	method	NOUN
gp-47	46	14	and	and	CCONJ
gp-47	46	15	the	the	DET
gp-47	46	16	type	type	NOUN
gp-47	46	17	of	of	ADP
gp-47	46	18	data	datum	NOUN
gp-47	46	19	used	use	VERB
gp-47	46	20	is	be	AUX
gp-47	46	21	primary	primary	ADJ
gp-47	46	22	data	datum	NOUN
gp-47	46	23	,	,	PUNCT
gp-47	46	24	namely	namely	ADV
gp-47	46	25	the	the	DET
gp-47	46	26	results	result	NOUN
gp-47	46	27	of	of	ADP
gp-47	46	28	questionnaire	questionnaire	NOUN
gp-47	46	29	distribution	distribution	NOUN
gp-47	46	30	.	.	PUNCT
gp-47	47	1	quantitative	quantitative	ADJ
gp-47	47	2	method	method	NOUN
gp-47	47	3	is	be	AUX
gp-47	47	4	a	a	DET
gp-47	47	5	form	form	NOUN
gp-47	47	6	of	of	ADP
gp-47	47	7	scientific	scientific	ADJ
gp-47	47	8	approach	approach	NOUN
gp-47	47	9	that	that	PRON
gp-47	47	10	examines	examine	VERB
gp-47	47	11	the	the	DET
gp-47	47	12	problem	problem	NOUN
gp-47	47	13	of	of	ADP
gp-47	47	14	a	a	DET
gp-47	47	15	phenomenon	phenomenon	NOUN
gp-47	47	16	,	,	PUNCT
gp-47	47	17	and	and	CCONJ
gp-47	47	18	sees	see	VERB
gp-47	47	19	possible	possible	ADJ
gp-47	47	20	links	link	NOUN
gp-47	47	21	or	or	CCONJ
gp-47	47	22	relationships	relationship	NOUN
gp-47	47	23	between	between	ADP
gp-47	47	24	variables	variable	NOUN
gp-47	47	25	in	in	ADP
gp-47	47	26	the	the	DET
gp-47	47	27	research	research	NOUN
gp-47	47	28	determined	determine	VERB
gp-47	47	29	(	(	PUNCT
gp-47	47	30	nugroho	nugroho	NOUN
gp-47	47	31	,	,	PUNCT
gp-47	47	32	meilani	meilani	NOUN
gp-47	47	33	,	,	PUNCT
gp-47	47	34	solikin	solikin	X
gp-47	47	35	,	,	PUNCT
gp-47	47	36	era	era	NOUN
gp-47	47	37	,	,	PUNCT
gp-47	47	38	&	&	CCONJ
gp-47	47	39	dkk	dkk	PROPN
gp-47	47	40	,	,	PUNCT
gp-47	47	41	2023	2023	NUM
gp-47	47	42	)	)	PUNCT
gp-47	47	43	.	.	PUNCT
gp-47	48	1	the	the	DET
gp-47	48	2	population	population	NOUN
gp-47	48	3	selected	select	VERB
gp-47	48	4	in	in	ADP
gp-47	48	5	this	this	DET
gp-47	48	6	study	study	NOUN
gp-47	48	7	is	be	AUX
gp-47	48	8	msmes	msme	NOUN
gp-47	48	9	in	in	ADP
gp-47	48	10	banyuwangi	banyuwangi	PROPN
gp-47	48	11	regency	regency	PROPN
gp-47	48	12	.	.	PUNCT
gp-47	49	1	sampling	sample	VERB
gp-47	49	2	in	in	ADP
gp-47	49	3	this	this	DET
gp-47	49	4	study	study	NOUN
gp-47	49	5	was	be	AUX
gp-47	49	6	taken	take	VERB
gp-47	49	7	using	use	VERB
gp-47	49	8	purposive	purposive	ADJ
gp-47	49	9	sampling	sample	VERB
gp-47	49	10	techniques	technique	NOUN
gp-47	49	11	.	.	PUNCT
gp-47	50	1	here	here	ADV
gp-47	50	2	are	be	AUX
gp-47	50	3	some	some	DET
gp-47	50	4	criteria	criterion	NOUN
gp-47	50	5	that	that	PRON
gp-47	50	6	must	must	AUX
gp-47	50	7	be	be	AUX
gp-47	50	8	owned	own	VERB
gp-47	50	9	by	by	ADP
gp-47	50	10	msme	msme	NOUN
gp-47	50	11	respondents	respondent	NOUN
gp-47	50	12	:	:	PUNCT
gp-47	51	1	1	1	X
gp-47	51	2	.	.	X
gp-47	51	3	msme	msme	NOUN
gp-47	51	4	businesses	business	NOUN
gp-47	51	5	are	be	AUX
gp-47	51	6	still	still	ADV
gp-47	51	7	running	run	VERB
gp-47	51	8	until	until	ADP
gp-47	51	9	2023	2023	NUM
gp-47	51	10	2	2	NUM
gp-47	51	11	.	.	PUNCT
gp-47	52	1	msme	msme	NOUN
gp-47	52	2	actors	actor	NOUN
gp-47	52	3	in	in	ADP
gp-47	52	4	banyuwangi	banyuwangi	PROPN
gp-47	52	5	regency	regency	PROPN
gp-47	52	6	3	3	NUM
gp-47	52	7	.	.	PUNCT
gp-47	53	1	msme	msme	NOUN
gp-47	53	2	actors	actor	NOUN
gp-47	53	3	have	have	AUX
gp-47	53	4	or	or	CCONJ
gp-47	53	5	are	be	AUX
gp-47	53	6	using	use	VERB
gp-47	53	7	online	online	ADJ
gp-47	53	8	loan	loan	NOUN
gp-47	53	9	applications	application	NOUN
gp-47	53	10	result	result	VERB
gp-47	53	11	and	and	CCONJ
gp-47	53	12	discussion	discussion	NOUN
gp-47	53	13	the	the	DET
gp-47	53	14	following	follow	VERB
gp-47	53	15	table	table	NOUN
gp-47	53	16	is	be	AUX
gp-47	53	17	a	a	DET
gp-47	53	18	descriptive	descriptive	ADJ
gp-47	53	19	analysis	analysis	NOUN
gp-47	53	20	of	of	ADP
gp-47	53	21	the	the	DET
gp-47	53	22	results	result	NOUN
gp-47	53	23	of	of	ADP
gp-47	53	24	data	data	NOUN
gp-47	53	25	processing	processing	NOUN
gp-47	53	26	table	table	NOUN
gp-47	53	27	1	1	NUM
gp-47	53	28	.	.	PUNCT
gp-47	53	29	descriptive	descriptive	ADJ
gp-47	53	30	statistics	statistic	NOUN
gp-47	53	31	descriptive	descriptive	ADJ
gp-47	53	32	statistics	statistic	NOUN
gp-47	53	33	n	n	CCONJ
gp-47	53	34	range	range	VERB
gp-47	53	35	minimum	minimum	ADJ
gp-47	53	36	maximum	maximum	ADJ
gp-47	53	37	sum	sum	NOUN
gp-47	53	38	mean	mean	NOUN
gp-47	53	39	std	std	X
gp-47	53	40	.	.	PUNCT
gp-47	54	1	deviation	deviation	NOUN
gp-47	54	2	predecisional	predecisional	ADJ
gp-47	54	3	(	(	PUNCT
gp-47	54	4	x1	x1	PROPN
gp-47	54	5	)	)	PUNCT
gp-47	54	6	364	364	NUM
gp-47	54	7	30	30	NUM
gp-47	54	8	30	30	NUM
gp-47	54	9	60	60	NUM
gp-47	54	10	16236	16236	NUM
gp-47	54	11	44.60	44.60	NUM
gp-47	54	12	8.795	8.795	NUM
gp-47	54	13	crossingrub	crossingrub	NOUN
gp-47	54	14	(	(	PUNCT
gp-47	54	15	x2	x2	PROPN
gp-47	54	16	)	)	PUNCT
gp-47	54	17	364	364	NUM
gp-47	54	18	20	20	NUM
gp-47	54	19	30	30	NUM
gp-47	54	20	50	50	NUM
gp-47	54	21	15053	15053	NUM
gp-47	54	22	41.35	41.35	NUM
gp-47	54	23	5.727	5.727	NUM
gp-47	54	24	postdecisional	postdecisional	ADJ
gp-47	54	25	(	(	PUNCT
gp-47	54	26	x3	x3	ADJ
gp-47	54	27	)	)	PUNCT
gp-47	54	28	364	364	NUM
gp-47	54	29	20	20	NUM
gp-47	54	30	20	20	NUM
gp-47	54	31	40	40	NUM
gp-47	54	32	11192	11192	NUM
gp-47	54	33	30.75	30.75	NUM
gp-47	54	34	6.864	6.864	NUM
gp-47	54	35	sustainingac	sustainingac	PROPN
gp-47	54	36	(	(	PUNCT
gp-47	54	37	x4	x4	PROPN
gp-47	54	38	)	)	PUNCT
gp-47	54	39	364	364	NUM
gp-47	54	40	20	20	NUM
gp-47	54	41	20	20	NUM
gp-47	54	42	40	40	NUM
gp-47	54	43	10801	10801	NUM
gp-47	54	44	29.67	29.67	NUM
gp-47	54	45	7.162	7.162	NUM
gp-47	54	46	loanonline	loanonline	NOUN
gp-47	54	47	(	(	PUNCT
gp-47	54	48	y	y	NOUN
gp-47	54	49	)	)	PUNCT
gp-47	54	50	364	364	NUM
gp-47	54	51	15	15	NUM
gp-47	54	52	20	20	NUM
gp-47	54	53	35	35	NUM
gp-47	54	54	9885	9885	NUM
gp-47	54	55	27.16	27.16	NUM
gp-47	54	56	4.046	4.046	NUM
gp-47	54	57	valid	valid	ADJ
gp-47	54	58	n	n	CCONJ
gp-47	54	59	(	(	PUNCT
gp-47	54	60	listwise	listwise	PROPN
gp-47	54	61	)	)	PUNCT
gp-47	54	62	364	364	NUM
gp-47	54	63	through	through	ADP
gp-47	54	64	the	the	DET
gp-47	54	65	table	table	NOUN
gp-47	54	66	above	above	ADP
gp-47	54	67	we	we	PRON
gp-47	54	68	can	can	AUX
gp-47	54	69	see	see	VERB
gp-47	54	70	the	the	DET
gp-47	54	71	number	number	NOUN
gp-47	54	72	of	of	ADP
gp-47	54	73	question	question	NOUN
gp-47	54	74	instruments	instrument	NOUN
gp-47	54	75	,	,	PUNCT
gp-47	54	76	the	the	DET
gp-47	54	77	amount	amount	NOUN
gp-47	54	78	of	of	ADP
gp-47	54	79	data	datum	NOUN
gp-47	54	80	used	use	VERB
gp-47	54	81	,	,	PUNCT
gp-47	54	82	know	know	VERB
gp-47	54	83	the	the	DET
gp-47	54	84	minimum	minimum	ADJ
gp-47	54	85	and	and	CCONJ
gp-47	54	86	maximum	maximum	ADJ
gp-47	54	87	values	value	NOUN
gp-47	54	88	and	and	CCONJ
gp-47	54	89	also	also	ADV
gp-47	54	90	the	the	DET
gp-47	54	91	average	average	ADJ
gp-47	54	92	value	value	NOUN
gp-47	54	93	with	with	ADP
gp-47	54	94	standard	standard	ADJ
gp-47	54	95	deviation	deviation	NOUN
gp-47	54	96	.	.	PUNCT
gp-47	55	1	table	table	NOUN
gp-47	55	2	2	2	NUM
gp-47	55	3	partial	partial	ADJ
gp-47	55	4	t	t	NOUN
gp-47	55	5	-	-	PUNCT
gp-47	55	6	test	test	NOUN
gp-47	55	7	table	table	NOUN
gp-47	55	8	coefficientsa	coefficientsa	NOUN
gp-47	55	9	american	american	PROPN
gp-47	55	10	journal	journal	PROPN
gp-47	55	11	of	of	ADP
gp-47	55	12	economic	economic	ADJ
gp-47	55	13	and	and	CCONJ
gp-47	55	14	management	management	NOUN
gp-47	55	15	business	business	NOUN
gp-47	55	16	vol	vol	NOUN
gp-47	55	17	.	.	PROPN
gp-47	55	18	2	2	NUM
gp-47	55	19	no	no	NOUN
gp-47	55	20	.	.	NOUN
gp-47	55	21	7	7	NUM
gp-47	55	22	july	july	PROPN
gp-47	55	23	2023	2023	NUM
gp-47	55	24	256	256	NUM
gp-47	55	25	model	model	NOUN
gp-47	55	26	unstandardized	unstandardized	ADJ
gp-47	55	27	coefficients	coefficient	NOUN
gp-47	55	28	standardized	standardize	VERB
gp-47	55	29	coefficients	coefficient	NOUN
gp-47	55	30	t	t	PROPN
gp-47	55	31	sig	sig	PROPN
gp-47	55	32	.	.	PUNCT
gp-47	56	1	b	b	X
gp-47	56	2	std	std	PROPN
gp-47	56	3	.	.	NOUN
gp-47	56	4	error	error	NOUN
gp-47	56	5	beta	beta	NOUN
gp-47	56	6	1	1	NUM
gp-47	56	7	(	(	PUNCT
gp-47	56	8	constant	constant	ADJ
gp-47	56	9	)	)	PUNCT
gp-47	56	10	8.932	8.932	NUM
gp-47	56	11	1.500	1.500	NUM
gp-47	56	12	5.954	5.954	NUM
gp-47	56	13	.000	.000	NUM
gp-47	56	14	predecisional	predecisional	ADJ
gp-47	56	15	(	(	PUNCT
gp-47	56	16	x1	x1	PROPN
gp-47	56	17	)	)	PUNCT
gp-47	56	18	.090	.090	NUM
gp-47	56	19	.021	.021	NUM
gp-47	56	20	.196	.196	NUM
gp-47	57	1	4.221	4.221	NUM
gp-47	57	2	.000	.000	NUM
gp-47	57	3	crossingrub	crossingrub	NOUN
gp-47	57	4	(	(	PUNCT
gp-47	57	5	x2	x2	PROPN
gp-47	57	6	)	)	PUNCT
gp-47	57	7	.417	.417	NUM
gp-47	57	8	.030	.030	NUM
gp-47	57	9	.590	.590	NUM
gp-47	57	10	14.068	14.068	NUM
gp-47	57	11	.000	.000	NUM
gp-47	57	12	postdecisional	postdecisional	ADJ
gp-47	57	13	(	(	PUNCT
gp-47	57	14	x3	x3	ADJ
gp-47	57	15	)	)	PUNCT
gp-47	57	16	-.008	-.008	NOUN
gp-47	57	17	.028	.028	NUM
gp-47	57	18	-.014	-.014	PROPN
gp-47	57	19	-.291	-.291	PROPN
gp-47	57	20	.771	.771	NUM
gp-47	57	21	sustainingac	sustainingac	PROPN
gp-47	57	22	(	(	PUNCT
gp-47	57	23	x4	x4	PROPN
gp-47	57	24	)	)	PUNCT
gp-47	57	25	-.094	-.094	VERB
gp-47	57	26	.023	.023	NUM
gp-47	58	1	-.166	-.166	PRON
gp-47	58	2	-4.049	-4.049	NUM
gp-47	58	3	.000	.000	NUM
gp-47	58	4	a.	a.	NOUN
gp-47	58	5	dependent	dependent	ADJ
gp-47	58	6	variable	variable	NOUN
gp-47	58	7	:	:	PUNCT
gp-47	58	8	loanonline	loanonline	PROPN
gp-47	58	9	(	(	PUNCT
gp-47	58	10	y	y	NOUN
gp-47	58	11	)	)	PUNCT
gp-47	58	12	based	base	VERB
gp-47	58	13	on	on	ADP
gp-47	58	14	the	the	DET
gp-47	58	15	spss	spss	PROPN
gp-47	58	16	table	table	NOUN
gp-47	58	17	'	'	PUNCT
gp-47	58	18	coefficients	coefficient	NOUN
gp-47	58	19	'	'	PUNCT
gp-47	58	20	above	above	ADP
gp-47	58	21	it	it	PRON
gp-47	58	22	is	be	AUX
gp-47	58	23	known	know	VERB
gp-47	58	24	that	that	SCONJ
gp-47	58	25	the	the	DET
gp-47	58	26	significance	significance	NOUN
gp-47	58	27	value	value	NOUN
gp-47	58	28	(	(	PUNCT
gp-47	58	29	sig	sig	NOUN
gp-47	58	30	)	)	PUNCT
gp-47	58	31	of	of	ADP
gp-47	58	32	the	the	DET
gp-47	58	33	predecisional	predecisional	ADJ
gp-47	58	34	variable	variable	NOUN
gp-47	58	35	(	(	PUNCT
gp-47	58	36	x1	x1	PROPN
gp-47	58	37	)	)	PUNCT
gp-47	58	38	is	be	AUX
gp-47	58	39	0.000	0.000	NUM
gp-47	58	40	,	,	PUNCT
gp-47	58	41	because	because	SCONJ
gp-47	58	42	the	the	DET
gp-47	58	43	value	value	NOUN
gp-47	58	44	of	of	ADP
gp-47	58	45	sig	sig	NOUN
gp-47	58	46	.	.	PUNCT
gp-47	59	1	0.000	0.000	NUM
gp-47	59	2	<	<	X
gp-47	59	3	0.05	0.05	NUM
gp-47	59	4	,	,	PUNCT
gp-47	59	5	then	then	ADV
gp-47	59	6	it	it	PRON
gp-47	59	7	can	can	AUX
gp-47	59	8	be	be	AUX
gp-47	59	9	concluded	conclude	VERB
gp-47	59	10	that	that	SCONJ
gp-47	59	11	h1	h1	PROPN
gp-47	59	12	is	be	AUX
gp-47	59	13	accepted	accept	VERB
gp-47	59	14	.	.	PUNCT
gp-47	60	1	this	this	PRON
gp-47	60	2	means	mean	VERB
gp-47	60	3	that	that	SCONJ
gp-47	60	4	there	there	PRON
gp-47	60	5	is	be	VERB
gp-47	60	6	a	a	DET
gp-47	60	7	predecisional	predecisional	ADJ
gp-47	60	8	(	(	PUNCT
gp-47	60	9	x1	x1	ADJ
gp-47	60	10	)	)	PUNCT
gp-47	60	11	influence	influence	NOUN
gp-47	60	12	on	on	ADP
gp-47	60	13	online	online	ADJ
gp-47	60	14	loans	loan	NOUN
gp-47	60	15	(	(	PUNCT
gp-47	60	16	y	y	NOUN
gp-47	60	17	)	)	PUNCT
gp-47	60	18	.	.	PUNCT
gp-47	61	1	in	in	ADP
gp-47	61	2	the	the	DET
gp-47	61	3	crossingrub	crossingrub	NOUN
gp-47	61	4	variable	variable	NOUN
gp-47	61	5	(	(	PUNCT
gp-47	61	6	x2	x2	PROPN
gp-47	61	7	)	)	PUNCT
gp-47	61	8	is	be	AUX
gp-47	61	9	the	the	DET
gp-47	61	10	value	value	NOUN
gp-47	61	11	of	of	ADP
gp-47	61	12	sig	sig	NOUN
gp-47	61	13	.	.	PUNCT
gp-47	62	1	0.000	0.000	NUM
gp-47	62	2	<	<	X
gp-47	62	3	0.05	0.05	NUM
gp-47	62	4	,	,	PUNCT
gp-47	62	5	then	then	ADV
gp-47	62	6	it	it	PRON
gp-47	62	7	can	can	AUX
gp-47	62	8	be	be	AUX
gp-47	62	9	concluded	conclude	VERB
gp-47	62	10	that	that	SCONJ
gp-47	62	11	h2	h2	NOUN
gp-47	62	12	is	be	AUX
gp-47	62	13	acceptable	acceptable	ADJ
gp-47	62	14	.	.	PUNCT
gp-47	63	1	this	this	PRON
gp-47	63	2	means	mean	VERB
gp-47	63	3	that	that	SCONJ
gp-47	63	4	there	there	PRON
gp-47	63	5	is	be	VERB
gp-47	63	6	an	an	DET
gp-47	63	7	influence	influence	NOUN
gp-47	63	8	of	of	ADP
gp-47	63	9	crossingrub	crossingrub	NOUN
gp-47	63	10	(	(	PUNCT
gp-47	63	11	x2	x2	PROPN
gp-47	63	12	)	)	PUNCT
gp-47	63	13	on	on	ADP
gp-47	63	14	online	online	ADJ
gp-47	63	15	loans	loan	NOUN
gp-47	63	16	(	(	PUNCT
gp-47	63	17	y	y	NOUN
gp-47	63	18	)	)	PUNCT
gp-47	63	19	.	.	PUNCT
gp-47	64	1	in	in	ADP
gp-47	64	2	the	the	DET
gp-47	64	3	postdecisional	postdecisional	ADJ
gp-47	64	4	variable	variable	NOUN
gp-47	64	5	(	(	PUNCT
gp-47	64	6	x3	x3	ADJ
gp-47	64	7	)	)	PUNCT
gp-47	64	8	is	be	AUX
gp-47	64	9	equal	equal	ADJ
gp-47	64	10	to	to	ADP
gp-47	64	11	the	the	DET
gp-47	64	12	value	value	NOUN
gp-47	64	13	of	of	ADP
gp-47	64	14	sig	sig	NOUN
gp-47	64	15	.	.	PUNCT
gp-47	64	16	0.771	0.771	NUM
gp-47	64	17	>	>	ADP
gp-47	64	18	0.05	0.05	NUM
gp-47	64	19	,	,	PUNCT
gp-47	64	20	then	then	ADV
gp-47	64	21	it	it	PRON
gp-47	64	22	can	can	AUX
gp-47	64	23	be	be	AUX
gp-47	64	24	concluded	conclude	VERB
gp-47	64	25	that	that	SCONJ
gp-47	64	26	h3	h3	NOUN
gp-47	64	27	is	be	AUX
gp-47	64	28	rejected	reject	VERB
gp-47	64	29	.	.	PUNCT
gp-47	65	1	this	this	PRON
gp-47	65	2	means	mean	VERB
gp-47	65	3	that	that	SCONJ
gp-47	65	4	there	there	PRON
gp-47	65	5	is	be	VERB
gp-47	65	6	no	no	DET
gp-47	65	7	postdecisional	postdecisional	ADJ
gp-47	65	8	(	(	PUNCT
gp-47	65	9	x3	x3	ADJ
gp-47	65	10	)	)	PUNCT
gp-47	65	11	influence	influence	NOUN
gp-47	65	12	on	on	ADP
gp-47	65	13	online	online	ADJ
gp-47	65	14	loans	loan	NOUN
gp-47	65	15	(	(	PUNCT
gp-47	65	16	y	y	NOUN
gp-47	65	17	)	)	PUNCT
gp-47	65	18	.	.	PUNCT
gp-47	66	1	in	in	ADP
gp-47	66	2	the	the	DET
gp-47	66	3	variable	variable	ADJ
gp-47	66	4	sustainingac	sustainingac	NOUN
gp-47	66	5	(	(	PUNCT
gp-47	66	6	x4	x4	PROPN
gp-47	66	7	)	)	PUNCT
gp-47	66	8	is	be	AUX
gp-47	66	9	equal	equal	ADJ
gp-47	66	10	to	to	ADP
gp-47	66	11	the	the	DET
gp-47	66	12	value	value	NOUN
gp-47	66	13	of	of	ADP
gp-47	66	14	sig	sig	NOUN
gp-47	66	15	.	.	PUNCT
gp-47	67	1	0.00	0.00	NUM
gp-47	67	2	>	>	PUNCT
gp-47	67	3	0.05	0.05	NUM
gp-47	67	4	,	,	PUNCT
gp-47	67	5	then	then	ADV
gp-47	67	6	it	it	PRON
gp-47	67	7	can	can	AUX
gp-47	67	8	be	be	AUX
gp-47	67	9	concluded	conclude	VERB
gp-47	67	10	that	that	SCONJ
gp-47	67	11	h4	h4	PROPN
gp-47	67	12	is	be	AUX
gp-47	67	13	accepted	accept	VERB
gp-47	67	14	.	.	PUNCT
gp-47	68	1	this	this	PRON
gp-47	68	2	means	mean	VERB
gp-47	68	3	that	that	SCONJ
gp-47	68	4	there	there	PRON
gp-47	68	5	is	be	VERB
gp-47	68	6	an	an	DET
gp-47	68	7	influence	influence	NOUN
gp-47	68	8	of	of	ADP
gp-47	68	9	sustainingac	sustainingac	PROPN
gp-47	68	10	(	(	PUNCT
gp-47	68	11	x4	x4	PROPN
gp-47	68	12	)	)	PUNCT
gp-47	68	13	on	on	ADP
gp-47	68	14	online	online	ADJ
gp-47	68	15	loans	loan	NOUN
gp-47	68	16	(	(	PUNCT
gp-47	68	17	y	y	NOUN
gp-47	68	18	)	)	PUNCT
gp-47	68	19	.	.	PUNCT
gp-47	69	1	testing	test	VERB
gp-47	69	2	the	the	DET
gp-47	69	3	effect	effect	NOUN
gp-47	69	4	of	of	ADP
gp-47	69	5	predecisional	predecisional	ADJ
gp-47	69	6	(	(	PUNCT
gp-47	69	7	x1	x1	PROPN
gp-47	69	8	)	)	PUNCT
gp-47	69	9	on	on	ADP
gp-47	69	10	online	online	ADJ
gp-47	69	11	loans	loan	NOUN
gp-47	69	12	based	base	VERB
gp-47	69	13	on	on	ADP
gp-47	69	14	the	the	DET
gp-47	69	15	results	result	NOUN
gp-47	69	16	above	above	ADP
gp-47	69	17	that	that	SCONJ
gp-47	69	18	the	the	DET
gp-47	69	19	predecisional	predecisional	ADJ
gp-47	69	20	variable	variable	NOUN
gp-47	69	21	(	(	PUNCT
gp-47	69	22	x1	x1	PROPN
gp-47	69	23	)	)	PUNCT
gp-47	69	24	is	be	AUX
gp-47	69	25	0.000	0.000	NUM
gp-47	69	26	,	,	PUNCT
gp-47	69	27	because	because	SCONJ
gp-47	69	28	the	the	DET
gp-47	69	29	value	value	NOUN
gp-47	69	30	of	of	ADP
gp-47	69	31	sig	sig	NOUN
gp-47	69	32	.	.	PUNCT
gp-47	70	1	0.000	0.000	NUM
gp-47	70	2	<	<	X
gp-47	70	3	0.05	0.05	NUM
gp-47	70	4	,	,	PUNCT
gp-47	70	5	then	then	ADV
gp-47	70	6	it	it	PRON
gp-47	70	7	can	can	AUX
gp-47	70	8	be	be	AUX
gp-47	70	9	concluded	conclude	VERB
gp-47	70	10	that	that	SCONJ
gp-47	70	11	h1	h1	PROPN
gp-47	70	12	is	be	AUX
gp-47	70	13	accepted	accept	VERB
gp-47	70	14	.	.	PUNCT
gp-47	71	1	at	at	ADP
gp-47	71	2	this	this	DET
gp-47	71	3	stage	stage	NOUN
gp-47	71	4	,	,	PUNCT
gp-47	71	5	msme	msme	NOUN
gp-47	71	6	actors	actor	NOUN
gp-47	71	7	may	may	AUX
gp-47	71	8	be	be	AUX
gp-47	71	9	aware	aware	ADJ
gp-47	71	10	of	of	ADP
gp-47	71	11	problems	problem	NOUN
gp-47	71	12	or	or	CCONJ
gp-47	71	13	goals	goal	NOUN
gp-47	71	14	to	to	PART
gp-47	71	15	be	be	AUX
gp-47	71	16	achieved	achieve	VERB
gp-47	71	17	,	,	PUNCT
gp-47	71	18	but	but	CCONJ
gp-47	71	19	have	have	AUX
gp-47	71	20	not	not	PART
gp-47	71	21	made	make	VERB
gp-47	71	22	concrete	concrete	ADJ
gp-47	71	23	decisions	decision	NOUN
gp-47	71	24	to	to	PART
gp-47	71	25	act	act	VERB
gp-47	71	26	.	.	PUNCT
gp-47	72	1	the	the	DET
gp-47	72	2	pandemic	pandemic	NOUN
gp-47	72	3	is	be	AUX
gp-47	72	4	enough	enough	ADJ
gp-47	72	5	to	to	PART
gp-47	72	6	make	make	VERB
gp-47	72	7	activity	activity	NOUN
gp-47	72	8	activities	activity	NOUN
gp-47	72	9	decrease	decrease	VERB
gp-47	72	10	so	so	SCONJ
gp-47	72	11	that	that	SCONJ
gp-47	72	12	business	business	NOUN
gp-47	72	13	turnover	turnover	NOUN
gp-47	72	14	and	and	CCONJ
gp-47	72	15	capital	capital	NOUN
gp-47	72	16	also	also	ADV
gp-47	72	17	fall	fall	VERB
gp-47	72	18	.	.	PUNCT
gp-47	73	1	the	the	DET
gp-47	73	2	desire	desire	NOUN
gp-47	73	3	to	to	PART
gp-47	73	4	raise	raise	VERB
gp-47	73	5	capital	capital	NOUN
gp-47	73	6	is	be	AUX
gp-47	73	7	quickly	quickly	ADV
gp-47	73	8	thought	think	VERB
gp-47	73	9	of	of	ADP
gp-47	73	10	by	by	ADP
gp-47	73	11	business	business	NOUN
gp-47	73	12	actors	actor	NOUN
gp-47	73	13	,	,	PUNCT
gp-47	73	14	and	and	CCONJ
gp-47	73	15	with	with	ADP
gp-47	73	16	many	many	ADJ
gp-47	73	17	promotional	promotional	ADJ
gp-47	73	18	media	medium	NOUN
gp-47	73	19	about	about	ADP
gp-47	73	20	online	online	ADJ
gp-47	73	21	loans	loan	NOUN
gp-47	73	22	supporting	support	VERB
gp-47	73	23	the	the	DET
gp-47	73	24	interest	interest	NOUN
gp-47	73	25	of	of	ADP
gp-47	73	26	business	business	NOUN
gp-47	73	27	actors	actor	NOUN
gp-47	73	28	to	to	PART
gp-47	73	29	increase	increase	VERB
gp-47	73	30	capital	capital	NOUN
gp-47	73	31	from	from	ADP
gp-47	73	32	online	online	ADJ
gp-47	73	33	loans	loan	NOUN
gp-47	73	34	.	.	PUNCT
gp-47	74	1	testing	test	VERB
gp-47	74	2	the	the	DET
gp-47	74	3	effect	effect	NOUN
gp-47	74	4	of	of	ADP
gp-47	74	5	crossingrub	crossingrub	NOUN
gp-47	74	6	(	(	PUNCT
gp-47	74	7	x2	x2	PROPN
gp-47	74	8	)	)	PUNCT
gp-47	74	9	on	on	ADP
gp-47	74	10	online	online	ADJ
gp-47	74	11	loans	loan	NOUN
gp-47	74	12	based	base	VERB
gp-47	74	13	on	on	ADP
gp-47	74	14	the	the	DET
gp-47	74	15	results	result	NOUN
gp-47	74	16	above	above	ADP
gp-47	74	17	that	that	SCONJ
gp-47	74	18	the	the	DET
gp-47	74	19	crossingrub	crossingrub	NOUN
gp-47	74	20	variable	variable	NOUN
gp-47	74	21	(	(	PUNCT
gp-47	74	22	x2	x2	PROPN
gp-47	74	23	)	)	PUNCT
gp-47	74	24	is	be	AUX
gp-47	74	25	0.000	0.000	NUM
gp-47	74	26	,	,	PUNCT
gp-47	74	27	because	because	SCONJ
gp-47	74	28	the	the	DET
gp-47	74	29	value	value	NOUN
gp-47	74	30	of	of	ADP
gp-47	74	31	sig	sig	NOUN
gp-47	74	32	.	.	PUNCT
gp-47	75	1	0.000	0.000	NUM
gp-47	75	2	<	<	X
gp-47	75	3	0.05	0.05	NUM
gp-47	75	4	,	,	PUNCT
gp-47	75	5	then	then	ADV
gp-47	75	6	it	it	PRON
gp-47	75	7	can	can	AUX
gp-47	75	8	be	be	AUX
gp-47	75	9	concluded	conclude	VERB
gp-47	75	10	that	that	SCONJ
gp-47	75	11	h2	h2	NOUN
gp-47	75	12	is	be	AUX
gp-47	75	13	acceptable	acceptable	ADJ
gp-47	75	14	.	.	PUNCT
gp-47	76	1	at	at	ADP
gp-47	76	2	this	this	DET
gp-47	76	3	stage	stage	NOUN
gp-47	76	4	,	,	PUNCT
gp-47	76	5	msme	msme	NOUN
gp-47	76	6	actors	actor	NOUN
gp-47	76	7	get	get	VERB
gp-47	76	8	a	a	DET
gp-47	76	9	turning	turning	NOUN
gp-47	76	10	point	point	NOUN
gp-47	76	11	when	when	SCONJ
gp-47	76	12	making	make	VERB
gp-47	76	13	decisions	decision	NOUN
gp-47	76	14	to	to	PART
gp-47	76	15	act	act	VERB
gp-47	76	16	and	and	CCONJ
gp-47	76	17	actively	actively	ADV
gp-47	76	18	taking	take	VERB
gp-47	76	19	action	action	NOUN
gp-47	76	20	to	to	PART
gp-47	76	21	achieve	achieve	VERB
gp-47	76	22	goals	goal	NOUN
gp-47	76	23	or	or	CCONJ
gp-47	76	24	overcome	overcome	VERB
gp-47	76	25	problems	problem	NOUN
gp-47	76	26	.	.	PUNCT
gp-47	77	1	loans	loan	NOUN
gp-47	77	2	to	to	ADP
gp-47	77	3	banks	bank	NOUN
gp-47	77	4	have	have	AUX
gp-47	77	5	been	be	AUX
gp-47	77	6	carried	carry	VERB
gp-47	77	7	out	out	ADP
gp-47	77	8	but	but	CCONJ
gp-47	77	9	have	have	AUX
gp-47	77	10	not	not	PART
gp-47	77	11	been	be	AUX
gp-47	77	12	sufficient	sufficient	ADJ
gp-47	77	13	capital	capital	NOUN
gp-47	77	14	to	to	PART
gp-47	77	15	turn	turn	VERB
gp-47	77	16	back	back	ADV
gp-47	77	17	the	the	DET
gp-47	77	18	wheels	wheel	NOUN
gp-47	77	19	of	of	ADP
gp-47	77	20	business	business	NOUN
gp-47	77	21	.	.	PUNCT
gp-47	78	1	for	for	ADP
gp-47	78	2	these	these	DET
gp-47	78	3	problems	problem	NOUN
gp-47	78	4	,	,	PUNCT
gp-47	78	5	business	business	NOUN
gp-47	78	6	actors	actor	NOUN
gp-47	78	7	are	be	AUX
gp-47	78	8	moving	move	VERB
gp-47	78	9	to	to	PART
gp-47	78	10	borrow	borrow	VERB
gp-47	78	11	funds	fund	NOUN
gp-47	78	12	through	through	ADP
gp-47	78	13	online	online	ADJ
gp-47	78	14	loan	loan	NOUN
gp-47	78	15	applications	application	NOUN
gp-47	78	16	,	,	PUNCT
gp-47	78	17	before	before	ADP
gp-47	78	18	making	make	VERB
gp-47	78	19	online	online	ADJ
gp-47	78	20	loans	loan	NOUN
gp-47	78	21	,	,	PUNCT
gp-47	78	22	msme	msme	NOUN
gp-47	78	23	actors	actor	NOUN
gp-47	78	24	have	have	AUX
gp-47	78	25	sought	seek	VERB
gp-47	78	26	information	information	NOUN
gp-47	78	27	from	from	ADP
gp-47	78	28	various	various	ADJ
gp-47	78	29	media	medium	NOUN
gp-47	78	30	sources	source	NOUN
gp-47	78	31	and	and	CCONJ
gp-47	78	32	partners	partner	NOUN
gp-47	78	33	about	about	ADP
gp-47	78	34	how	how	SCONJ
gp-47	78	35	to	to	PART
gp-47	78	36	borrow	borrow	VERB
gp-47	78	37	online	online	NOUN
gp-47	78	38	.	.	PUNCT
gp-47	79	1	testing	test	VERB
gp-47	79	2	the	the	DET
gp-47	79	3	effect	effect	NOUN
gp-47	79	4	of	of	ADP
gp-47	79	5	postdecisional	postdecisional	ADJ
gp-47	79	6	(	(	PUNCT
gp-47	79	7	x3	x3	ADJ
gp-47	79	8	)	)	PUNCT
gp-47	79	9	on	on	ADP
gp-47	79	10	online	online	ADJ
gp-47	79	11	loans	loan	NOUN
gp-47	79	12	based	base	VERB
gp-47	79	13	on	on	ADP
gp-47	79	14	the	the	DET
gp-47	79	15	results	result	NOUN
gp-47	79	16	above	above	ADP
gp-47	79	17	that	that	SCONJ
gp-47	79	18	the	the	DET
gp-47	79	19	postdecisional	postdecisional	ADJ
gp-47	79	20	variable	variable	NOUN
gp-47	79	21	(	(	PUNCT
gp-47	79	22	x3	x3	ADJ
gp-47	79	23	)	)	PUNCT
gp-47	79	24	is	be	AUX
gp-47	79	25	0.771	0.771	NUM
gp-47	79	26	,	,	PUNCT
gp-47	79	27	because	because	SCONJ
gp-47	79	28	the	the	DET
gp-47	79	29	value	value	NOUN
gp-47	79	30	of	of	ADP
gp-47	79	31	sig	sig	NOUN
gp-47	79	32	.	.	PUNCT
gp-47	79	33	0.771	0.771	NUM
gp-47	79	34	>	>	ADP
gp-47	79	35	0.05	0.05	NUM
gp-47	79	36	,	,	PUNCT
gp-47	79	37	then	then	ADV
gp-47	79	38	it	it	PRON
gp-47	79	39	can	can	AUX
gp-47	79	40	be	be	AUX
gp-47	79	41	concluded	conclude	VERB
gp-47	79	42	that	that	SCONJ
gp-47	79	43	h3	h3	NOUN
gp-47	79	44	is	be	AUX
gp-47	79	45	rejected	reject	VERB
gp-47	79	46	.	.	PUNCT
gp-47	80	1	at	at	ADP
gp-47	80	2	this	this	DET
gp-47	80	3	stage	stage	NOUN
gp-47	80	4	,	,	PUNCT
gp-47	80	5	msme	msme	NOUN
gp-47	80	6	players	player	NOUN
gp-47	80	7	have	have	VERB
gp-47	80	8	no	no	DET
gp-47	80	9	obstacles	obstacle	NOUN
gp-47	80	10	or	or	CCONJ
gp-47	80	11	problems	problem	NOUN
gp-47	80	12	in	in	ADP
gp-47	80	13	carrying	carry	VERB
gp-47	80	14	out	out	ADP
gp-47	80	15	the	the	DET
gp-47	80	16	online	online	ADJ
gp-47	80	17	loan	loan	NOUN
gp-47	80	18	process	process	NOUN
gp-47	80	19	.	.	PUNCT
gp-47	81	1	the	the	DET
gp-47	81	2	online	online	ADJ
gp-47	81	3	loan	loan	NOUN
gp-47	81	4	is	be	AUX
gp-47	81	5	quite	quite	ADV
gp-47	81	6	easy	easy	ADJ
gp-47	81	7	to	to	PART
gp-47	81	8	do	do	VERB
gp-47	81	9	and	and	CCONJ
gp-47	81	10	the	the	DET
gp-47	81	11	process	process	NOUN
gp-47	81	12	of	of	ADP
gp-47	81	13	disbursing	disburse	VERB
gp-47	81	14	funds	fund	NOUN
gp-47	81	15	after	after	ADP
gp-47	81	16	approval	approval	NOUN
gp-47	81	17	is	be	AUX
gp-47	81	18	also	also	ADV
gp-47	81	19	fast	fast	ADJ
gp-47	81	20	.	.	PUNCT
gp-47	82	1	but	but	CCONJ
gp-47	82	2	the	the	DET
gp-47	82	3	consequence	consequence	NOUN
gp-47	82	4	that	that	PRON
gp-47	82	5	must	must	AUX
gp-47	82	6	be	be	AUX
gp-47	82	7	faced	face	VERB
gp-47	82	8	is	be	AUX
gp-47	82	9	the	the	DET
gp-47	82	10	return	return	NOUN
gp-47	82	11	of	of	ADP
gp-47	82	12	funds	fund	NOUN
gp-47	82	13	that	that	PRON
gp-47	82	14	must	must	AUX
gp-47	82	15	be	be	AUX
gp-47	82	16	on	on	ADP
gp-47	82	17	time	time	NOUN
gp-47	82	18	,	,	PUNCT
gp-47	82	19	out	out	ADP
gp-47	82	20	of	of	ADP
gp-47	82	21	the	the	DET
gp-47	82	22	time	time	NOUN
gp-47	82	23	specified	specify	VERB
gp-47	82	24	in	in	ADP
gp-47	82	25	the	the	DET
gp-47	82	26	agreement	agreement	NOUN
gp-47	82	27	there	there	PRON
gp-47	82	28	is	be	VERB
gp-47	82	29	a	a	DET
gp-47	82	30	high	high	ADJ
gp-47	82	31	interest	interest	NOUN
gp-47	82	32	.	.	PUNCT
gp-47	83	1	business	business	NOUN
gp-47	83	2	actors	actor	NOUN
gp-47	83	3	admit	admit	VERB
gp-47	83	4	that	that	SCONJ
gp-47	83	5	immediately	immediately	ADV
gp-47	83	6	liquid	liquid	ADJ
gp-47	83	7	funds	fund	NOUN
gp-47	83	8	become	become	VERB
gp-47	83	9	a	a	DET
gp-47	83	10	pleasant	pleasant	ADJ
gp-47	83	11	thing	thing	NOUN
gp-47	83	12	,	,	PUNCT
gp-47	83	13	but	but	CCONJ
gp-47	83	14	if	if	SCONJ
gp-47	83	15	funds	fund	NOUN
gp-47	83	16	are	be	AUX
gp-47	83	17	not	not	PART
gp-47	83	18	managed	manage	VERB
gp-47	83	19	properly	properly	ADV
gp-47	83	20	they	they	PRON
gp-47	83	21	must	must	AUX
gp-47	83	22	be	be	AUX
gp-47	83	23	prepared	prepare	VERB
gp-47	83	24	to	to	PART
gp-47	83	25	face	face	VERB
gp-47	83	26	the	the	DET
gp-47	83	27	consequences	consequence	NOUN
gp-47	83	28	.	.	PUNCT
gp-47	84	1	ike	ike	PROPN
gp-47	84	2	meilani	meilani	PROPN
gp-47	84	3	fajarsari	fajarsari	PROPN
gp-47	84	4	257	257	NUM
gp-47	84	5	testing	test	VERB
gp-47	84	6	the	the	DET
gp-47	84	7	effect	effect	NOUN
gp-47	84	8	of	of	ADP
gp-47	84	9	sustainingac	sustainingac	PROPN
gp-47	84	10	(	(	PUNCT
gp-47	84	11	x4	x4	PROPN
gp-47	84	12	)	)	PUNCT
gp-47	84	13	on	on	ADP
gp-47	84	14	online	online	ADJ
gp-47	84	15	loans	loan	NOUN
gp-47	84	16	based	base	VERB
gp-47	84	17	on	on	ADP
gp-47	84	18	the	the	DET
gp-47	84	19	results	result	NOUN
gp-47	84	20	above	above	ADP
gp-47	84	21	that	that	SCONJ
gp-47	84	22	the	the	DET
gp-47	84	23	variable	variable	ADJ
gp-47	84	24	sustainingac	sustainingac	NOUN
gp-47	84	25	(	(	PUNCT
gp-47	84	26	x4	x4	PROPN
gp-47	84	27	)	)	PUNCT
gp-47	84	28	is	be	AUX
gp-47	84	29	0.000	0.000	NUM
gp-47	84	30	,	,	PUNCT
gp-47	84	31	because	because	SCONJ
gp-47	84	32	the	the	DET
gp-47	84	33	value	value	NOUN
gp-47	84	34	of	of	ADP
gp-47	84	35	sig	sig	NOUN
gp-47	84	36	.	.	PUNCT
gp-47	85	1	0.000	0.000	NUM
gp-47	85	2	<	<	X
gp-47	85	3	0.05	0.05	NUM
gp-47	85	4	,	,	PUNCT
gp-47	85	5	then	then	ADV
gp-47	85	6	it	it	PRON
gp-47	85	7	can	can	AUX
gp-47	85	8	be	be	AUX
gp-47	85	9	concluded	conclude	VERB
gp-47	85	10	that	that	SCONJ
gp-47	85	11	h4	h4	PROPN
gp-47	85	12	is	be	AUX
gp-47	85	13	acceptable	acceptable	ADJ
gp-47	85	14	.	.	PUNCT
gp-47	86	1	at	at	ADP
gp-47	86	2	this	this	DET
gp-47	86	3	stage	stage	NOUN
gp-47	86	4	,	,	PUNCT
gp-47	86	5	consistency	consistency	NOUN
gp-47	86	6	and	and	CCONJ
gp-47	86	7	constancy	constancy	NOUN
gp-47	86	8	are	be	AUX
gp-47	86	9	required	require	VERB
gp-47	86	10	to	to	PART
gp-47	86	11	achieve	achieve	VERB
gp-47	86	12	the	the	DET
gp-47	86	13	desired	desire	VERB
gp-47	86	14	goal	goal	NOUN
gp-47	86	15	.	.	PUNCT
gp-47	87	1	if	if	SCONJ
gp-47	87	2	successful	successful	ADJ
gp-47	87	3	,	,	PUNCT
gp-47	87	4	one	one	PRON
gp-47	87	5	can	can	AUX
gp-47	87	6	achieve	achieve	VERB
gp-47	87	7	positive	positive	ADJ
gp-47	87	8	results	result	NOUN
gp-47	87	9	and	and	CCONJ
gp-47	87	10	overcome	overcome	VERB
gp-47	87	11	obstacles	obstacle	NOUN
gp-47	87	12	that	that	PRON
gp-47	87	13	may	may	AUX
gp-47	87	14	arise	arise	VERB
gp-47	87	15	on	on	ADP
gp-47	87	16	the	the	DET
gp-47	87	17	way	way	NOUN
gp-47	87	18	to	to	ADP
gp-47	87	19	that	that	DET
gp-47	87	20	goal	goal	NOUN
gp-47	87	21	.	.	PUNCT
gp-47	88	1	msme	msme	NOUN
gp-47	88	2	actors	actor	NOUN
gp-47	88	3	must	must	AUX
gp-47	88	4	consistently	consistently	ADV
gp-47	88	5	manage	manage	VERB
gp-47	88	6	money	money	NOUN
gp-47	88	7	well	well	ADV
gp-47	88	8	in	in	ADP
gp-47	88	9	order	order	NOUN
gp-47	88	10	to	to	PART
gp-47	88	11	pay	pay	VERB
gp-47	88	12	principal	principal	NOUN
gp-47	88	13	and	and	CCONJ
gp-47	88	14	interest	interest	NOUN
gp-47	88	15	debts	debt	NOUN
gp-47	88	16	within	within	ADP
gp-47	88	17	the	the	DET
gp-47	88	18	agreed	agree	VERB
gp-47	88	19	time	time	NOUN
gp-47	88	20	.	.	PUNCT
gp-47	89	1	conclusion	conclusion	NOUN
gp-47	89	2	msmes	msme	NOUN
gp-47	89	3	have	have	VERB
gp-47	89	4	an	an	DET
gp-47	89	5	important	important	ADJ
gp-47	89	6	role	role	NOUN
gp-47	89	7	in	in	ADP
gp-47	89	8	the	the	DET
gp-47	89	9	economy	economy	NOUN
gp-47	89	10	because	because	SCONJ
gp-47	89	11	they	they	PRON
gp-47	89	12	contribute	contribute	VERB
gp-47	89	13	to	to	ADP
gp-47	89	14	creating	create	VERB
gp-47	89	15	jobs	job	NOUN
gp-47	89	16	,	,	PUNCT
gp-47	89	17	increasing	increase	VERB
gp-47	89	18	economic	economic	ADJ
gp-47	89	19	growth	growth	NOUN
gp-47	89	20	,	,	PUNCT
gp-47	89	21	and	and	CCONJ
gp-47	89	22	acting	act	VERB
gp-47	89	23	as	as	ADP
gp-47	89	24	innovators	innovator	NOUN
gp-47	89	25	in	in	ADP
gp-47	89	26	various	various	ADJ
gp-47	89	27	business	business	NOUN
gp-47	89	28	sectors	sector	NOUN
gp-47	89	29	.	.	PUNCT
gp-47	90	1	many	many	ADJ
gp-47	90	2	specific	specific	ADJ
gp-47	90	3	assistance	assistance	NOUN
gp-47	90	4	and	and	CCONJ
gp-47	90	5	support	support	NOUN
gp-47	90	6	programs	program	NOUN
gp-47	90	7	are	be	AUX
gp-47	90	8	aimed	aim	VERB
gp-47	90	9	at	at	ADP
gp-47	90	10	assisting	assist	VERB
gp-47	90	11	msmes	msme	NOUN
gp-47	90	12	in	in	ADP
gp-47	90	13	improving	improve	VERB
gp-47	90	14	their	their	PRON
gp-47	90	15	competitiveness	competitiveness	NOUN
gp-47	90	16	,	,	PUNCT
gp-47	90	17	access	access	NOUN
gp-47	90	18	to	to	ADP
gp-47	90	19	markets	market	NOUN
gp-47	90	20	,	,	PUNCT
gp-47	90	21	access	access	NOUN
gp-47	90	22	to	to	ADP
gp-47	90	23	capital	capital	NOUN
gp-47	90	24	,	,	PUNCT
gp-47	90	25	and	and	CCONJ
gp-47	90	26	innovation	innovation	NOUN
gp-47	90	27	capabilities	capability	NOUN
gp-47	90	28	.	.	PUNCT
gp-47	91	1	it	it	PRON
gp-47	91	2	is	be	AUX
gp-47	91	3	important	important	ADJ
gp-47	91	4	for	for	SCONJ
gp-47	91	5	msmes	msme	NOUN
gp-47	91	6	to	to	PART
gp-47	91	7	have	have	VERB
gp-47	91	8	a	a	DET
gp-47	91	9	management	management	NOUN
gp-47	91	10	control	control	NOUN
gp-47	91	11	system	system	NOUN
gp-47	91	12	that	that	PRON
gp-47	91	13	suits	suit	VERB
gp-47	91	14	their	their	PRON
gp-47	91	15	scale	scale	NOUN
gp-47	91	16	and	and	CCONJ
gp-47	91	17	business	business	NOUN
gp-47	91	18	needs	need	NOUN
gp-47	91	19	.	.	PUNCT
gp-47	92	1	online	online	ADJ
gp-47	92	2	loans	loan	NOUN
gp-47	92	3	have	have	AUX
gp-47	92	4	become	become	VERB
gp-47	92	5	a	a	DET
gp-47	92	6	popular	popular	ADJ
gp-47	92	7	alternative	alternative	NOUN
gp-47	92	8	for	for	ADP
gp-47	92	9	many	many	ADJ
gp-47	92	10	business	business	NOUN
gp-47	92	11	actors	actor	NOUN
gp-47	92	12	,	,	PUNCT
gp-47	92	13	especially	especially	ADV
gp-47	92	14	msmes	msme	NOUN
gp-47	92	15	,	,	PUNCT
gp-47	92	16	in	in	ADP
gp-47	92	17	finding	find	VERB
gp-47	92	18	additional	additional	ADJ
gp-47	92	19	sources	source	NOUN
gp-47	92	20	of	of	ADP
gp-47	92	21	funds	fund	NOUN
gp-47	92	22	to	to	PART
gp-47	92	23	support	support	VERB
gp-47	92	24	their	their	PRON
gp-47	92	25	business	business	NOUN
gp-47	92	26	operations	operation	NOUN
gp-47	92	27	and	and	CCONJ
gp-47	92	28	growth	growth	NOUN
gp-47	92	29	.	.	PUNCT
gp-47	93	1	business	business	NOUN
gp-47	93	2	actors	actor	NOUN
gp-47	93	3	who	who	PRON
gp-47	93	4	borrow	borrow	VERB
gp-47	93	5	funds	fund	NOUN
gp-47	93	6	on	on	ADP
gp-47	93	7	online	online	ADJ
gp-47	93	8	loans	loan	NOUN
gp-47	93	9	often	often	ADV
gp-47	93	10	look	look	VERB
gp-47	93	11	for	for	ADP
gp-47	93	12	convenience	convenience	NOUN
gp-47	93	13	and	and	CCONJ
gp-47	93	14	comfort	comfort	NOUN
gp-47	93	15	in	in	ADP
gp-47	93	16	the	the	DET
gp-47	93	17	application	application	NOUN
gp-47	93	18	process	process	NOUN
gp-47	93	19	which	which	PRON
gp-47	93	20	can	can	AUX
gp-47	93	21	be	be	AUX
gp-47	93	22	done	do	VERB
gp-47	93	23	online	online	ADV
gp-47	93	24	through	through	ADP
gp-47	93	25	platforms	platform	NOUN
gp-47	93	26	or	or	CCONJ
gp-47	93	27	applications	application	NOUN
gp-47	93	28	.	.	PUNCT
gp-47	94	1	the	the	DET
gp-47	94	2	quick	quick	ADJ
gp-47	94	3	and	and	CCONJ
gp-47	94	4	easy	easy	ADJ
gp-47	94	5	process	process	NOUN
gp-47	94	6	allows	allow	VERB
gp-47	94	7	them	they	PRON
gp-47	94	8	to	to	PART
gp-47	94	9	gain	gain	VERB
gp-47	94	10	access	access	NOUN
gp-47	94	11	to	to	ADP
gp-47	94	12	funds	fund	NOUN
gp-47	94	13	quickly	quickly	ADV
gp-47	94	14	,	,	PUNCT
gp-47	94	15	which	which	PRON
gp-47	94	16	is	be	AUX
gp-47	94	17	invaluable	invaluable	ADJ
gp-47	94	18	in	in	ADP
gp-47	94	19	addressing	address	VERB
gp-47	94	20	urgent	urgent	ADJ
gp-47	94	21	needs	need	NOUN
gp-47	94	22	or	or	CCONJ
gp-47	94	23	business	business	NOUN
gp-47	94	24	opportunities	opportunity	NOUN
gp-47	94	25	that	that	PRON
gp-47	94	26	come	come	VERB
gp-47	94	27	out	out	ADP
gp-47	94	28	of	of	ADP
gp-47	94	29	the	the	DET
gp-47	94	30	blue	blue	NOUN
gp-47	94	31	.	.	PUNCT
gp-47	95	1	msme	msme	NOUN
gp-47	95	2	players	player	NOUN
gp-47	95	3	must	must	AUX
gp-47	95	4	prioritize	prioritize	VERB
gp-47	95	5	the	the	DET
gp-47	95	6	use	use	NOUN
gp-47	95	7	of	of	ADP
gp-47	95	8	funds	fund	NOUN
gp-47	95	9	for	for	ADP
gp-47	95	10	business	business	NOUN
gp-47	95	11	purposes	purpose	NOUN
gp-47	95	12	that	that	PRON
gp-47	95	13	support	support	VERB
gp-47	95	14	business	business	NOUN
gp-47	95	15	growth	growth	NOUN
gp-47	95	16	and	and	CCONJ
gp-47	95	17	sustainability	sustainability	NOUN
gp-47	95	18	,	,	PUNCT
gp-47	95	19	not	not	PART
gp-47	95	20	for	for	ADP
gp-47	95	21	unnecessary	unnecessary	ADJ
gp-47	95	22	expenses	expense	NOUN
gp-47	95	23	.	.	PUNCT
gp-47	96	1	need	need	VERB
gp-47	96	2	a	a	DET
gp-47	96	3	thoughtful	thoughtful	ADJ
gp-47	96	4	and	and	CCONJ
gp-47	96	5	planning	planning	NOUN
gp-47	96	6	approach	approach	NOUN
gp-47	96	7	,	,	PUNCT
gp-47	96	8	online	online	ADJ
gp-47	96	9	loans	loan	NOUN
gp-47	96	10	can	can	AUX
gp-47	96	11	be	be	AUX
gp-47	96	12	a	a	DET
gp-47	96	13	valuable	valuable	ADJ
gp-47	96	14	tool	tool	NOUN
gp-47	96	15	for	for	SCONJ
gp-47	96	16	business	business	NOUN
gp-47	96	17	people	people	NOUN
gp-47	96	18	to	to	PART
gp-47	96	19	achieve	achieve	VERB
gp-47	96	20	their	their	PRON
gp-47	96	21	business	business	NOUN
gp-47	96	22	goals	goal	NOUN
gp-47	96	23	.	.	PUNCT
gp-47	97	1	references	reference	NOUN
gp-47	97	2	amin	amin	PROPN
gp-47	97	3	,	,	PUNCT
gp-47	97	4	a.	a.	NOUN
gp-47	97	5	,	,	PUNCT
gp-47	97	6	meilani	meilani	PROPN
gp-47	97	7	,	,	PUNCT
gp-47	97	8	i.	i.	PROPN
gp-47	97	9	,	,	PUNCT
gp-47	97	10	agus	agus	PROPN
gp-47	97	11	,	,	PUNCT
gp-47	97	12	i.	i.	PROPN
gp-47	97	13	,	,	PUNCT
gp-47	97	14	&	&	CCONJ
gp-47	97	15	firdaus	firdaus	PROPN
gp-47	97	16	,	,	PUNCT
gp-47	97	17	m.	m.	NOUN
gp-47	97	18	i.	i.	PROPN
gp-47	97	19	(	(	PUNCT
gp-47	97	20	2023	2023	NUM
gp-47	97	21	)	)	PUNCT
gp-47	97	22	.	.	PUNCT
gp-47	98	1	sistem	sistem	PROPN
gp-47	98	2	informasi	informasi	PROPN
gp-47	98	3	akuntansi	akuntansi	PROPN
gp-47	98	4	umkm	umkm	NOUN
gp-47	98	5	.	.	PUNCT
gp-47	99	1	malang	malang	PROPN
gp-47	99	2	:	:	PUNCT
gp-47	99	3	pt	pt	PROPN
gp-47	99	4	samudra	samudra	PROPN
gp-47	99	5	solusi	solusi	PROPN
gp-47	99	6	profesional	profesional	PROPN
gp-47	99	7	.	.	PUNCT
gp-47	100	1	coelho	coelho	PROPN
gp-47	100	2	,	,	PUNCT
gp-47	100	3	a.	a.	PROPN
gp-47	100	4	,	,	PUNCT
gp-47	100	5	&	&	CCONJ
gp-47	100	6	de	de	PROPN
gp-47	100	7	brito	brito	PROPN
gp-47	100	8	,	,	PUNCT
gp-47	100	9	j.	j.	PROPN
gp-47	100	10	(	(	PUNCT
gp-47	100	11	2013	2013	NUM
gp-47	100	12	)	)	PUNCT
gp-47	100	13	.	.	PUNCT
gp-47	101	1	economic	economic	ADJ
gp-47	101	2	viability	viability	NOUN
gp-47	101	3	analysis	analysis	NOUN
gp-47	101	4	of	of	ADP
gp-47	101	5	a	a	DET
gp-47	101	6	construction	construction	NOUN
gp-47	101	7	and	and	CCONJ
gp-47	101	8	demolition	demolition	NOUN
gp-47	101	9	waste	waste	NOUN
gp-47	101	10	recycling	recycling	NOUN
gp-47	101	11	plant	plant	NOUN
gp-47	101	12	in	in	ADP
gp-47	101	13	portugal	portugal	PROPN
gp-47	101	14	–	–	PUNCT
gp-47	101	15	part	part	NOUN
gp-47	101	16	i	i	NOUN
gp-47	101	17	:	:	PUNCT
gp-47	101	18	location	location	NOUN
gp-47	101	19	,	,	PUNCT
gp-47	101	20	materials	material	NOUN
gp-47	101	21	,	,	PUNCT
gp-47	101	22	technology	technology	NOUN
gp-47	101	23	franquesa	franquesa	NOUN
gp-47	101	24	,	,	PUNCT
gp-47	101	25	j.	j.	PROPN
gp-47	101	26	,	,	PUNCT
gp-47	101	27	&	&	CCONJ
gp-47	101	28	vera	vera	PROPN
gp-47	101	29	,	,	PUNCT
gp-47	101	30	d.	d.	PROPN
gp-47	101	31	(	(	PUNCT
gp-47	101	32	2021	2021	NUM
gp-47	101	33	)	)	PUNCT
gp-47	101	34	.	.	PUNCT
gp-47	102	1	small	small	ADJ
gp-47	102	2	business	business	NOUN
gp-47	102	3	debt	debt	NOUN
gp-47	102	4	financing	financing	NOUN
gp-47	102	5	:	:	PUNCT
gp-47	102	6	the	the	DET
gp-47	102	7	effect	effect	NOUN
gp-47	102	8	of	of	ADP
gp-47	102	9	lender	lender	NOUN
gp-47	102	10	structural	structural	ADJ
gp-47	102	11	complexity	complexity	NOUN
gp-47	102	12	.	.	PUNCT
gp-47	103	1	journal	journal	NOUN
gp-47	103	2	of	of	ADP
gp-47	103	3	small	small	ADJ
gp-47	103	4	business	business	NOUN
gp-47	103	5	and	and	CCONJ
gp-47	103	6	enterprise	enterprise	NOUN
gp-47	103	7	development	development	NOUN
gp-47	103	8	,	,	PUNCT
gp-47	103	9	3	3	NUM
gp-47	103	10	,	,	PUNCT
gp-47	103	11	456	456	NUM
gp-47	103	12	-	-	SYM
gp-47	103	13	474	474	NUM
gp-47	103	14	.	.	PUNCT
gp-47	104	1	doi:10.1108	doi:10.1108	PROPN
gp-47	104	2	/	/	SYM
gp-47	104	3	jsbed-01	jsbed-01	PROPN
gp-47	104	4	-	-	PUNCT
gp-47	104	5	2020	2020	NUM
gp-47	104	6	-	-	PUNCT
gp-47	104	7	0013	0013	NUM
gp-47	104	8	fu	fu	NOUN
gp-47	104	9	,	,	PUNCT
gp-47	104	10	j.-r	j.-r	PROPN
gp-47	104	11	.	.	PROPN
gp-47	104	12	,	,	PUNCT
gp-47	104	13	lu	lu	PROPN
gp-47	104	14	,	,	PUNCT
gp-47	104	15	i.-w	i.-w	PROPN
gp-47	104	16	.	.	PUNCT
gp-47	104	17	,	,	PUNCT
gp-47	104	18	chen	chen	PROPN
gp-47	104	19	,	,	PUNCT
gp-47	104	20	j.	j.	PROPN
gp-47	104	21	h.	h.	PROPN
gp-47	104	22	f.	f.	PROPN
gp-47	104	23	,	,	PUNCT
gp-47	104	24	&	&	CCONJ
gp-47	104	25	farn	farn	PROPN
gp-47	104	26	,	,	PUNCT
gp-47	104	27	c.-k	c.-k	PROPN
gp-47	104	28	.	.	PUNCT
gp-47	105	1	(	(	PUNCT
gp-47	105	2	2020	2020	NUM
gp-47	105	3	)	)	PUNCT
gp-47	105	4	.	.	PUNCT
gp-47	106	1	investigating	investigate	VERB
gp-47	106	2	consumers	consumer	NOUN
gp-47	106	3	’	'	PUNCT
gp-47	106	4	online	online	ADJ
gp-47	106	5	social	social	ADJ
gp-47	106	6	shopping	shopping	NOUN
gp-47	106	7	intention	intention	NOUN
gp-47	106	8	:	:	PUNCT
gp-47	106	9	an	an	DET
gp-47	106	10	information	information	NOUN
gp-47	106	11	processing	processing	NOUN
gp-47	106	12	perspective	perspective	NOUN
gp-47	106	13	.	.	PUNCT
gp-47	107	1	international	international	ADJ
gp-47	107	2	journal	journal	PROPN
gp-47	107	3	of	of	ADP
gp-47	107	4	information	information	NOUN
gp-47	107	5	management	management	NOUN
gp-47	107	6	,	,	PUNCT
gp-47	107	7	54	54	NUM
gp-47	107	8	,	,	PUNCT
gp-47	107	9	102189	102189	NUM
gp-47	107	10	.	.	PUNCT
gp-47	108	1	kim	kim	PROPN
gp-47	108	2	,	,	PUNCT
gp-47	108	3	j.	j.	PROPN
gp-47	108	4	,	,	PUNCT
gp-47	108	5	shin	shin	PROPN
gp-47	108	6	,	,	PUNCT
gp-47	108	7	h.	h.	PROPN
gp-47	108	8	i.	i.	PROPN
gp-47	108	9	,	,	PUNCT
gp-47	108	10	&	&	CCONJ
gp-47	108	11	lee	lee	PROPN
gp-47	108	12	,	,	PUNCT
gp-47	108	13	h.	h.	PROPN
gp-47	108	14	t.	t.	PROPN
gp-47	108	15	(	(	PUNCT
gp-47	108	16	2020	2020	NUM
gp-47	108	17	)	)	PUNCT
gp-47	108	18	.	.	PUNCT
gp-47	109	1	broad	broad	ADJ
gp-47	109	2	minded	minded	ADJ
gp-47	109	3	planning	planning	NOUN
gp-47	109	4	and	and	CCONJ
gp-47	109	5	narrow	narrow	ADJ
gp-47	109	6	minded	minded	ADJ
gp-47	109	7	action	action	NOUN
gp-47	109	8	.	.	PUNCT
gp-47	110	1	asia	asia	PROPN
gp-47	110	2	pacific	pacific	PROPN
gp-47	110	3	journal	journal	PROPN
gp-47	110	4	of	of	ADP
gp-47	110	5	marketing	marketing	NOUN
gp-47	110	6	,	,	PUNCT
gp-47	110	7	4	4	NUM
gp-47	110	8	,	,	PUNCT
gp-47	110	9	961	961	NUM
gp-47	110	10	-	-	SYM
gp-47	110	11	974	974	NUM
gp-47	110	12	.	.	PUNCT
gp-47	111	1	doi:10.1108	doi:10.1108	PROPN
gp-47	111	2	/	/	SYM
gp-47	111	3	apjml-032018	apjml-032018	NOUN
gp-47	111	4	-	-	PUNCT
gp-47	111	5	0094	0094	NUM
gp-47	111	6	kwantes	kwante	NOUN
gp-47	111	7	,	,	PUNCT
gp-47	111	8	c.	c.	PROPN
gp-47	111	9	t.	t.	PROPN
gp-47	111	10	,	,	PUNCT
gp-47	111	11	&	&	CCONJ
gp-47	111	12	chung	chung	PROPN
gp-47	111	13	-	-	PUNCT
gp-47	111	14	yan	yan	PROPN
gp-47	111	15	,	,	PUNCT
gp-47	111	16	g.	g.	PROPN
gp-47	111	17	a.	a.	PROPN
gp-47	111	18	(	(	PUNCT
gp-47	111	19	2016	2016	NUM
gp-47	111	20	)	)	PUNCT
gp-47	111	21	.	.	PUNCT
gp-47	112	1	developing	develop	VERB
gp-47	112	2	a	a	DET
gp-47	112	3	global	global	ADJ
gp-47	112	4	mindset	mindset	NOUN
gp-47	112	5	for	for	ADP
gp-47	112	6	leaders	leader	NOUN
gp-47	112	7	.	.	PUNCT
gp-47	113	1	advances	advance	NOUN
gp-47	113	2	in	in	ADP
gp-47	113	3	global	global	ADJ
gp-47	113	4	leadership	leadership	NOUN
gp-47	113	5	,	,	PUNCT
gp-47	113	6	7	7	NUM
gp-47	113	7	,	,	PUNCT
gp-47	113	8	295	295	NUM
gp-47	113	9	-	-	SYM
gp-47	113	10	320	320	NUM
gp-47	113	11	.	.	PUNCT
gp-47	114	1	doi:10.1108	doi:10.1108	PROPN
gp-47	114	2	/	/	SYM
gp-47	114	3	s15351203(2012)0000007017	s15351203(2012)0000007017	PROPN
gp-47	114	4	liu	liu	PROPN
gp-47	114	5	,	,	PUNCT
gp-47	114	6	c.	c.	PROPN
gp-47	114	7	c.	c.	PROPN
gp-47	114	8	,	,	PUNCT
gp-47	114	9	lai	lai	PROPN
gp-47	114	10	,	,	PUNCT
gp-47	114	11	c.	c.	PROPN
gp-47	114	12	,	,	PUNCT
gp-47	114	13	hwang	hwang	PROPN
gp-47	114	14	,	,	PUNCT
gp-47	114	15	g.-j	g.-j	PROPN
gp-47	114	16	.	.	PROPN
gp-47	114	17	,	,	PUNCT
gp-47	114	18	&	&	CCONJ
gp-47	114	19	tu	tu	PROPN
gp-47	114	20	,	,	PUNCT
gp-47	114	21	y.-f	y.-f	PROPN
gp-47	114	22	.	.	PUNCT
gp-47	115	1	(	(	PUNCT
gp-47	115	2	2022	2022	NUM
gp-47	115	3	)	)	PUNCT
gp-47	115	4	.	.	PUNCT
gp-47	116	1	the	the	DET
gp-47	116	2	electric	electric	ADJ
gp-47	116	3	library	library	NOUN
gp-47	116	4	,	,	PUNCT
gp-47	116	5	40	40	NUM
gp-47	116	6	,	,	PUNCT
gp-47	116	7	269	269	NUM
gp-47	116	8	-	-	SYM
gp-47	116	9	290	290	NUM
gp-47	116	10	.	.	PUNCT
gp-47	117	1	doi:10.1108	doi:10.1108	PROPN
gp-47	117	2	/	/	SYM
gp-47	117	3	el-11	el-11	NUM
gp-47	117	4	-	-	PUNCT
gp-47	117	5	2021	2021	NUM
gp-47	117	6	-	-	PUNCT
gp-47	117	7	0205	0205	NUM
gp-47	117	8	nopiyani	nopiyani	NOUN
gp-47	117	9	,	,	PUNCT
gp-47	117	10	p.	p.	PROPN
gp-47	117	11	e.	e.	PROPN
gp-47	117	12	,	,	PUNCT
gp-47	117	13	budiasih	budiasih	PROPN
gp-47	117	14	,	,	PUNCT
gp-47	117	15	y.	y.	PROPN
gp-47	117	16	,	,	PUNCT
gp-47	117	17	sintha	sintha	NOUN
gp-47	117	18	,	,	PUNCT
gp-47	117	19	l.	l.	PROPN
gp-47	117	20	,	,	PUNCT
gp-47	117	21	ramadan	ramadan	PROPN
gp-47	117	22	,	,	PUNCT
gp-47	117	23	i.	i.	PROPN
gp-47	117	24	,	,	PUNCT
gp-47	117	25	erik	erik	PROPN
gp-47	117	26	,	,	PUNCT
gp-47	117	27	n.	n.	PROPN
gp-47	117	28	l.	l.	PROPN
gp-47	117	29	,	,	PUNCT
gp-47	117	30	&	&	CCONJ
gp-47	117	31	dkk	dkk	PROPN
gp-47	117	32	.	.	PROPN
gp-47	117	33	(	(	PUNCT
gp-47	117	34	2022	2022	NUM
gp-47	117	35	)	)	PUNCT
gp-47	117	36	.	.	PUNCT
gp-47	118	1	akuntansi	akuntansi	PROPN
gp-47	118	2	manajemen	manajemen	PROPN
gp-47	118	3	.	.	PUNCT
gp-47	119	1	bandung	bandung	NOUN
gp-47	119	2	:	:	PUNCT
gp-47	120	1	cv	cv	PROPN
gp-47	120	2	widina	widina	PROPN
gp-47	120	3	media	media	PROPN
gp-47	120	4	utama	utama	PROPN
gp-47	120	5	.	.	PUNCT
gp-47	121	1	american	american	PROPN
gp-47	121	2	journal	journal	PROPN
gp-47	121	3	of	of	ADP
gp-47	121	4	economic	economic	ADJ
gp-47	121	5	and	and	CCONJ
gp-47	121	6	management	management	NOUN
gp-47	121	7	business	business	NOUN
gp-47	121	8	vol	vol	NOUN
gp-47	121	9	.	.	PROPN
gp-47	121	10	2	2	NUM
gp-47	121	11	no	no	NOUN
gp-47	121	12	.	.	NOUN
gp-47	122	1	7	7	NUM
gp-47	122	2	july	july	PROPN
gp-47	122	3	2023	2023	NUM
gp-47	122	4	258	258	NUM
gp-47	122	5	nugroho	nugroho	NOUN
gp-47	122	6	,	,	PUNCT
gp-47	122	7	l.	l.	PROPN
gp-47	122	8	,	,	PUNCT
gp-47	122	9	meilani	meilani	PROPN
gp-47	122	10	,	,	PUNCT
gp-47	122	11	i.	i.	NOUN
gp-47	122	12	,	,	PUNCT
gp-47	122	13	solikin	solikin	PROPN
gp-47	122	14	,	,	PUNCT
gp-47	122	15	a.	a.	NOUN
gp-47	122	16	,	,	PUNCT
gp-47	122	17	era	era	NOUN
gp-47	122	18	,	,	PUNCT
gp-47	122	19	e.	e.	PROPN
gp-47	122	20	,	,	PUNCT
gp-47	122	21	&	&	CCONJ
gp-47	122	22	dkk	dkk	PROPN
gp-47	122	23	.	.	PROPN
gp-47	122	24	(	(	PUNCT
gp-47	122	25	2023	2023	NUM
gp-47	122	26	)	)	PUNCT
gp-47	122	27	.	.	PUNCT
gp-47	123	1	metodologi	metodologi	PROPN
gp-47	123	2	penelitian	penelitian	PROPN
gp-47	123	3	akuntansi	akuntansi	PROPN
gp-47	123	4	.	.	PUNCT
gp-47	124	1	bandung	bandung	PROPN
gp-47	124	2	:	:	PUNCT
gp-47	125	1	cv	cv	PROPN
gp-47	125	2	widina	widina	PROPN
gp-47	125	3	media	media	PROPN
gp-47	125	4	utama	utama	PROPN
gp-47	125	5	.	.	PUNCT
gp-47	126	1	ratten	ratten	PROPN
gp-47	126	2	,	,	PUNCT
gp-47	126	3	v.	v.	PROPN
gp-47	126	4	(	(	PUNCT
gp-47	126	5	2020	2020	NUM
gp-47	126	6	)	)	PUNCT
gp-47	126	7	.	.	PUNCT
gp-47	127	1	coronavirus	coronavirus	NOUN
gp-47	127	2	(	(	PUNCT
gp-47	127	3	covid-19	covid-19	PROPN
gp-47	127	4	)	)	PUNCT
gp-47	127	5	and	and	CCONJ
gp-47	127	6	the	the	DET
gp-47	127	7	entrepreneurship	entrepreneurship	NOUN
gp-47	127	8	education	education	NOUN
gp-47	127	9	community	community	NOUN
gp-47	127	10	.	.	PUNCT
gp-47	128	1	journal	journal	NOUN
gp-47	128	2	of	of	ADP
gp-47	128	3	enterprising	enterprise	VERB
gp-47	128	4	communities	community	NOUN
gp-47	128	5	:	:	PUNCT
gp-47	128	6	people	people	NOUN
gp-47	128	7	and	and	CCONJ
gp-47	128	8	places	place	NOUN
gp-47	128	9	in	in	ADP
gp-47	128	10	the	the	DET
gp-47	128	11	global	global	ADJ
gp-47	128	12	economy	economy	NOUN
gp-47	128	13	,	,	PUNCT
gp-47	128	14	14(5	14(5	NUM
gp-47	128	15	)	)	PUNCT
gp-47	128	16	,	,	PUNCT
gp-47	129	1	753–764	753–764	NUM
gp-47	129	2	rizvi	rizvi	VERB
gp-47	129	3	,	,	PUNCT
gp-47	129	4	s.	s.	PROPN
gp-47	129	5	k.	k.	PROPN
gp-47	129	6	a.	a.	PROPN
gp-47	129	7	,	,	PUNCT
gp-47	129	8	naqvi	naqvi	NOUN
gp-47	129	9	,	,	PUNCT
gp-47	129	10	b.	b.	PROPN
gp-47	129	11	,	,	PUNCT
gp-47	129	12	&	&	CCONJ
gp-47	129	13	tanveer	tanveer	PROPN
gp-47	129	14	,	,	PUNCT
gp-47	129	15	f.	f.	PROPN
gp-47	129	16	(	(	PUNCT
gp-47	129	17	2018	2018	NUM
gp-47	129	18	)	)	PUNCT
gp-47	129	19	.	.	PUNCT
gp-47	130	1	is	be	AUX
gp-47	130	2	pakistan	pakistan	PROPN
gp-47	130	3	ready	ready	ADJ
gp-47	130	4	to	to	PART
gp-47	130	5	embrace	embrace	VERB
gp-47	130	6	fintech	fintech	NOUN
gp-47	130	7	innovation	innovation	NOUN
gp-47	130	8	?	?	PUNCT
gp-47	131	1	the	the	DET
gp-47	131	2	lahore	lahore	PROPN
gp-47	131	3	journal	journal	NOUN
gp-47	131	4	of	of	ADP
gp-47	131	5	economics	economic	NOUN
gp-47	131	6	,	,	PUNCT
gp-47	131	7	23(2	23(2	NOUN
gp-47	131	8	)	)	PUNCT
gp-47	131	9	,	,	PUNCT
gp-47	131	10	151–182	151–182	NUM
gp-47	131	11	.	.	PUNCT
gp-47	132	1	sadya	sadya	PROPN
gp-47	132	2	,	,	PUNCT
gp-47	132	3	s.	s.	PROPN
gp-47	132	4	(	(	PUNCT
gp-47	132	5	2023	2023	NUM
gp-47	132	6	,	,	PUNCT
gp-47	132	7	januari	januari	NOUN
gp-47	132	8	17	17	NUM
gp-47	132	9	)	)	PUNCT
gp-47	132	10	.	.	PUNCT
gp-47	133	1	pengguna	pengguna	PROPN
gp-47	133	2	smartphone	smartphone	PROPN
gp-47	133	3	indonesia	indonesia	PROPN
gp-47	133	4	terbesar	terbesar	PROPN
gp-47	133	5	keempat	keempat	PROPN
gp-47	133	6	dunia	dunia	PROPN
gp-47	133	7	pada	pada	PROPN
gp-47	133	8	2022	2022	PROPN
gp-47	133	9	.	.	PUNCT
gp-47	134	1	retrieved	retrieve	VERB
gp-47	134	2	from	from	ADP
gp-47	134	3	https://dataindonesia.id/	https://dataindonesia.id/	PROPN
gp-47	134	4	:	:	PUNCT
gp-47	134	5	https://dataindonesia.id/digital/detail/pengguna-smartphone-indonesia-terbesarkeempat-dunia-pada-2022	https://dataindonesia.id/digital/detail/pengguna-smartphone-indonesia-terbesarkeempat-dunia-pada-2022	NOUN
gp-47	134	6	wahyuni	wahyuni	PROPN
gp-47	134	7	,	,	PUNCT
gp-47	134	8	r.	r.	PROPN
gp-47	134	9	a.	a.	PROPN
gp-47	134	10	e.	e.	PROPN
gp-47	134	11	(	(	PUNCT
gp-47	134	12	2020	2020	NUM
gp-47	134	13	)	)	PUNCT
gp-47	134	14	.	.	PUNCT
gp-47	135	1	strategy	strategy	NOUN
gp-47	135	2	of	of	ADP
gp-47	135	3	illegal	illegal	ADJ
gp-47	135	4	technology	technology	NOUN
gp-47	135	5	financial	financial	ADJ
gp-47	135	6	management	management	NOUN
gp-47	135	7	in	in	ADP
gp-47	135	8	form	form	NOUN
gp-47	135	9	of	of	ADP
gp-47	135	10	online	online	ADJ
gp-47	135	11	loans	loan	NOUN
gp-47	135	12	.	.	PUNCT
gp-47	136	1	jurnal	jurnal	PROPN
gp-47	136	2	hukum	hukum	PROPN
gp-47	136	3	prasada	prasada	PROPN
gp-47	136	4	,	,	PUNCT
gp-47	136	5	7(1	7(1	NUM
gp-47	136	6	)	)	PUNCT
gp-47	136	7	,	,	PUNCT
gp-47	136	8	27–33	27–33	NUM
gp-47	136	9	.	.	PUNCT
gp-47	137	1	copyright	copyright	NOUN
gp-47	137	2	holders	holder	NOUN
gp-47	137	3	:	:	PUNCT
gp-47	137	4	ike	ike	PROPN
gp-47	137	5	meilani	meilani	PROPN
gp-47	137	6	fajarsari	fajarsari	PROPN
gp-47	137	7	(	(	PUNCT
gp-47	137	8	2023	2023	NUM
gp-47	137	9	)	)	PUNCT
gp-47	137	10	first	first	ADJ
gp-47	137	11	publication	publication	NOUN
gp-47	137	12	right	right	NOUN
gp-47	137	13	:	:	PUNCT
gp-47	137	14	ajemb	ajemb	PROPN
gp-47	137	15	–	–	PUNCT
gp-47	137	16	american	american	ADJ
gp-47	137	17	journal	journal	PROPN
gp-47	137	18	of	of	ADP
gp-47	137	19	economic	economic	ADJ
gp-47	137	20	and	and	CCONJ
gp-47	137	21	management	management	NOUN
gp-47	137	22	business	business	NOUN