id	sid	tid	token	lemma	pos
ajiss-357	1	1	islamic	islamic	ADJ
ajiss-357	1	2	banking	banking	NOUN
ajiss-357	1	3	regulations	regulation	NOUN
ajiss-357	1	4	in	in	ADP
ajiss-357	1	5	light	light	NOUN
ajiss-357	1	6	of	of	ADP
ajiss-357	1	7	basel	basel	PROPN
ajiss-357	1	8	ii	ii	PROPN
ajiss-357	1	9	m.	m.	NOUN
ajiss-357	1	10	kabir	kabir	PROPN
ajiss-357	1	11	hassan	hassan	PROPN
ajiss-357	1	12	and	and	CCONJ
ajiss-357	1	13	muhammad	muhammad	PROPN
ajiss-357	1	14	abdul	abdul	PROPN
ajiss-357	1	15	mannan	mannan	PROPN
ajiss-357	1	16	chowdhury	chowdhury	PROPN
ajiss-357	1	17	abstract	abstract	PROPN
ajiss-357	1	18	this	this	DET
ajiss-357	1	19	paper	paper	NOUN
ajiss-357	1	20	seeks	seek	VERB
ajiss-357	1	21	to	to	PART
ajiss-357	1	22	determine	determine	VERB
ajiss-357	1	23	whether	whether	SCONJ
ajiss-357	1	24	the	the	DET
ajiss-357	1	25	existing	exist	VERB
ajiss-357	1	26	regulatory	regulatory	ADJ
ajiss-357	1	27	standards	standard	NOUN
ajiss-357	1	28	and	and	CCONJ
ajiss-357	1	29	supervisory	supervisory	ADJ
ajiss-357	1	30	framework	framework	NOUN
ajiss-357	1	31	are	be	AUX
ajiss-357	1	32	adequate	adequate	ADJ
ajiss-357	1	33	to	to	PART
ajiss-357	1	34	ensure	ensure	VERB
ajiss-357	1	35	the	the	DET
ajiss-357	1	36	viability	viability	NOUN
ajiss-357	1	37	,	,	PUNCT
ajiss-357	1	38	strength	strength	NOUN
ajiss-357	1	39	,	,	PUNCT
ajiss-357	1	40	and	and	CCONJ
ajiss-357	1	41	continued	continued	ADJ
ajiss-357	1	42	expansion	expansion	NOUN
ajiss-357	1	43	of	of	ADP
ajiss-357	1	44	islamic	islamic	ADJ
ajiss-357	1	45	financial	financial	ADJ
ajiss-357	1	46	institutions	institution	NOUN
ajiss-357	1	47	.	.	PUNCT
ajiss-357	2	1	the	the	DET
ajiss-357	2	2	reemergence	reemergence	NOUN
ajiss-357	2	3	of	of	ADP
ajiss-357	2	4	islamic	islamic	ADJ
ajiss-357	2	5	banking	banking	NOUN
ajiss-357	2	6	and	and	CCONJ
ajiss-357	2	7	the	the	DET
ajiss-357	2	8	attention	attention	NOUN
ajiss-357	2	9	given	give	VERB
ajiss-357	2	10	to	to	ADP
ajiss-357	2	11	it	it	PRON
ajiss-357	2	12	by	by	ADP
ajiss-357	2	13	regulators	regulator	NOUN
ajiss-357	2	14	around	around	ADP
ajiss-357	2	15	the	the	DET
ajiss-357	2	16	globe	globe	NOUN
ajiss-357	2	17	as	as	ADP
ajiss-357	2	18	to	to	ADP
ajiss-357	2	19	the	the	DET
ajiss-357	2	20	implications	implication	NOUN
ajiss-357	2	21	of	of	ADP
ajiss-357	2	22	a	a	DET
ajiss-357	2	23	recently	recently	ADV
ajiss-357	2	24	issued	issue	VERB
ajiss-357	2	25	basel	basel	PROPN
ajiss-357	2	26	ii	ii	PROPN
ajiss-357	2	27	banking	banking	NOUN
ajiss-357	2	28	regulation	regulation	NOUN
ajiss-357	2	29	makes	make	VERB
ajiss-357	2	30	this	this	DET
ajiss-357	2	31	article	article	NOUN
ajiss-357	2	32	timely	timely	ADV
ajiss-357	2	33	.	.	PUNCT
ajiss-357	3	1	the	the	DET
ajiss-357	3	2	basel	basel	PROPN
ajiss-357	3	3	ii	ii	PROPN
ajiss-357	3	4	framework	framework	NOUN
ajiss-357	3	5	,	,	PUNCT
ajiss-357	3	6	which	which	PRON
ajiss-357	3	7	is	be	AUX
ajiss-357	3	8	based	base	VERB
ajiss-357	3	9	on	on	ADP
ajiss-357	3	10	minimum	minimum	ADJ
ajiss-357	3	11	capital	capital	NOUN
ajiss-357	3	12	requirements	requirement	NOUN
ajiss-357	3	13	,	,	PUNCT
ajiss-357	3	14	a	a	DET
ajiss-357	3	15	supervisory	supervisory	ADJ
ajiss-357	3	16	review	review	NOUN
ajiss-357	3	17	process	process	NOUN
ajiss-357	3	18	,	,	PUNCT
ajiss-357	3	19	and	and	CCONJ
ajiss-357	3	20	the	the	DET
ajiss-357	3	21	effective	effective	ADJ
ajiss-357	3	22	use	use	NOUN
ajiss-357	3	23	of	of	ADP
ajiss-357	3	24	market	market	NOUN
ajiss-357	3	25	discipline	discipline	NOUN
ajiss-357	3	26	,	,	PUNCT
ajiss-357	3	27	aligns	align	VERB
ajiss-357	3	28	capital	capital	NOUN
ajiss-357	3	29	adequacy	adequacy	NOUN
ajiss-357	3	30	with	with	ADP
ajiss-357	3	31	banking	banking	NOUN
ajiss-357	3	32	risks	risk	NOUN
ajiss-357	3	33	and	and	CCONJ
ajiss-357	3	34	provides	provide	VERB
ajiss-357	3	35	an	an	DET
ajiss-357	3	36	incentive	incentive	NOUN
ajiss-357	3	37	for	for	SCONJ
ajiss-357	3	38	financial	financial	ADJ
ajiss-357	3	39	institutions	institution	NOUN
ajiss-357	3	40	to	to	PART
ajiss-357	3	41	enhance	enhance	VERB
ajiss-357	3	42	risk	risk	NOUN
ajiss-357	3	43	management	management	NOUN
ajiss-357	3	44	and	and	CCONJ
ajiss-357	3	45	their	their	PRON
ajiss-357	3	46	system	system	NOUN
ajiss-357	3	47	of	of	ADP
ajiss-357	3	48	internal	internal	ADJ
ajiss-357	3	49	controls	control	NOUN
ajiss-357	3	50	.	.	PUNCT
ajiss-357	4	1	like	like	ADP
ajiss-357	4	2	conventional	conventional	ADJ
ajiss-357	4	3	banks	bank	NOUN
ajiss-357	4	4	,	,	PUNCT
ajiss-357	4	5	islamic	islamic	ADJ
ajiss-357	4	6	banks	bank	NOUN
ajiss-357	4	7	operate	operate	VERB
ajiss-357	4	8	under	under	ADP
ajiss-357	4	9	different	different	ADJ
ajiss-357	4	10	regulatory	regulatory	ADJ
ajiss-357	4	11	regimes	regime	NOUN
ajiss-357	4	12	.	.	PUNCT
ajiss-357	5	1	the	the	DET
ajiss-357	5	2	still	still	ADV
ajiss-357	5	3	diverse	diverse	ADJ
ajiss-357	5	4	views	view	NOUN
ajiss-357	5	5	held	hold	VERB
ajiss-357	5	6	by	by	ADP
ajiss-357	5	7	the	the	DET
ajiss-357	5	8	regulatory	regulatory	ADJ
ajiss-357	5	9	agencies	agency	NOUN
ajiss-357	5	10	of	of	ADP
ajiss-357	5	11	different	different	ADJ
ajiss-357	5	12	countries	country	NOUN
ajiss-357	5	13	on	on	ADP
ajiss-357	5	14	islamic	islamic	ADJ
ajiss-357	5	15	banking	banking	NOUN
ajiss-357	5	16	and	and	CCONJ
ajiss-357	5	17	finance	finance	NOUN
ajiss-357	5	18	operations	operation	NOUN
ajiss-357	5	19	make	make	VERB
ajiss-357	5	20	it	it	PRON
ajiss-357	5	21	harder	hard	ADJ
ajiss-357	5	22	to	to	PART
ajiss-357	5	23	assess	assess	VERB
ajiss-357	5	24	the	the	DET
ajiss-357	5	25	overall	overall	ADJ
ajiss-357	5	26	performance	performance	NOUN
ajiss-357	5	27	of	of	ADP
ajiss-357	5	28	international	international	ADJ
ajiss-357	5	29	islamic	islamic	ADJ
ajiss-357	5	30	banks	bank	NOUN
ajiss-357	5	31	.	.	PUNCT
ajiss-357	6	1	in	in	ADP
ajiss-357	6	2	light	light	NOUN
ajiss-357	6	3	of	of	ADP
ajiss-357	6	4	the	the	DET
ajiss-357	6	5	increased	increase	VERB
ajiss-357	6	6	financial	financial	ADJ
ajiss-357	6	7	innovation	innovation	NOUN
ajiss-357	6	8	and	and	CCONJ
ajiss-357	6	9	diversity	diversity	NOUN
ajiss-357	6	10	of	of	ADP
ajiss-357	6	11	instruments	instrument	NOUN
ajiss-357	6	12	offered	offer	VERB
ajiss-357	6	13	in	in	ADP
ajiss-357	6	14	islamic	islamic	ADJ
ajiss-357	6	15	finance	finance	NOUN
ajiss-357	6	16	,	,	PUNCT
ajiss-357	6	17	the	the	DET
ajiss-357	6	18	need	need	NOUN
ajiss-357	6	19	to	to	PART
ajiss-357	6	20	improve	improve	VERB
ajiss-357	6	21	the	the	DET
ajiss-357	6	22	transparency	transparency	NOUN
ajiss-357	6	23	of	of	ADP
ajiss-357	6	24	bank	bank	NOUN
ajiss-357	6	25	operations	operation	NOUN
ajiss-357	6	26	is	be	AUX
ajiss-357	6	27	particularly	particularly	ADV
ajiss-357	6	28	relevant	relevant	ADJ
ajiss-357	6	29	for	for	ADP
ajiss-357	6	30	islamic	islamic	ADJ
ajiss-357	6	31	banks	bank	NOUN
ajiss-357	6	32	.	.	PUNCT
ajiss-357	7	1	while	while	SCONJ
ajiss-357	7	2	product	product	NOUN
ajiss-357	7	3	diversity	diversity	NOUN
ajiss-357	7	4	is	be	AUX
ajiss-357	7	5	important	important	ADJ
ajiss-357	7	6	in	in	ADP
ajiss-357	7	7	maintainm	maintainm	PROPN
ajiss-357	7	8	.	.	PUNCT
ajiss-357	8	1	kabir	kabir	PROPN
ajiss-357	8	2	hassan	hassan	PROPN
ajiss-357	8	3	is	be	AUX
ajiss-357	8	4	a	a	DET
ajiss-357	8	5	professor	professor	NOUN
ajiss-357	8	6	in	in	ADP
ajiss-357	8	7	the	the	DET
ajiss-357	8	8	department	department	NOUN
ajiss-357	8	9	of	of	ADP
ajiss-357	8	10	economics	economic	NOUN
ajiss-357	8	11	and	and	CCONJ
ajiss-357	8	12	finance	finance	NOUN
ajiss-357	8	13	,	,	PUNCT
ajiss-357	8	14	university	university	NOUN
ajiss-357	8	15	of	of	ADP
ajiss-357	8	16	new	new	PROPN
ajiss-357	8	17	orleans	orleans	PROPN
ajiss-357	8	18	,	,	PUNCT
ajiss-357	8	19	louisiana	louisiana	PROPN
ajiss-357	8	20	.	.	PUNCT
ajiss-357	9	1	he	he	PRON
ajiss-357	9	2	can	can	AUX
ajiss-357	9	3	be	be	AUX
ajiss-357	9	4	contacted	contact	VERB
ajiss-357	9	5	at	at	ADP
ajiss-357	9	6	mhassan@uno.edu	mhassan@uno.edu	PROPN
ajiss-357	9	7	.	.	PUNCT
ajiss-357	10	1	muhammad	muhammad	PROPN
ajiss-357	10	2	abdul	abdul	PROPN
ajiss-357	10	3	mannan	mannan	PROPN
ajiss-357	10	4	chowdhury	chowdhury	PROPN
ajiss-357	10	5	is	be	AUX
ajiss-357	10	6	a	a	DET
ajiss-357	10	7	professor	professor	NOUN
ajiss-357	10	8	in	in	ADP
ajiss-357	10	9	the	the	DET
ajiss-357	10	10	department	department	NOUN
ajiss-357	10	11	of	of	ADP
ajiss-357	10	12	economics	economic	NOUN
ajiss-357	10	13	at	at	ADP
ajiss-357	10	14	the	the	DET
ajiss-357	10	15	university	university	PROPN
ajiss-357	10	16	of	of	ADP
ajiss-357	10	17	chittagong	chittagong	PROPN
ajiss-357	10	18	,	,	PUNCT
ajiss-357	10	19	bangladesh	bangladesh	PROPN
ajiss-357	10	20	.	.	PUNCT
ajiss-357	11	1	an	an	DET
ajiss-357	11	2	earlier	early	ADJ
ajiss-357	11	3	version	version	NOUN
ajiss-357	11	4	of	of	ADP
ajiss-357	11	5	this	this	DET
ajiss-357	11	6	paper	paper	NOUN
ajiss-357	11	7	was	be	AUX
ajiss-357	11	8	presented	present	VERB
ajiss-357	11	9	at	at	ADP
ajiss-357	11	10	the	the	DET
ajiss-357	11	11	2004	2004	NUM
ajiss-357	11	12	harvard	harvard	PROPN
ajiss-357	11	13	university	university	PROPN
ajiss-357	11	14	islamic	islamic	PROPN
ajiss-357	11	15	finance	finance	PROPN
ajiss-357	11	16	program	program	NOUN
ajiss-357	11	17	symposium	symposium	NOUN
ajiss-357	11	18	,	,	PUNCT
ajiss-357	11	19	held	hold	VERB
ajiss-357	11	20	in	in	ADP
ajiss-357	11	21	cambridge	cambridge	PROPN
ajiss-357	11	22	,	,	PUNCT
ajiss-357	11	23	ma	ma	PROPN
ajiss-357	11	24	.	.	PUNCT
ajiss-357	12	1	we	we	PRON
ajiss-357	12	2	acknowledge	acknowledge	VERB
ajiss-357	12	3	the	the	DET
ajiss-357	12	4	comments	comment	NOUN
ajiss-357	12	5	and	and	CCONJ
ajiss-357	12	6	suggestions	suggestion	NOUN
ajiss-357	12	7	made	make	VERB
ajiss-357	12	8	by	by	ADP
ajiss-357	12	9	the	the	DET
ajiss-357	12	10	two	two	NUM
ajiss-357	12	11	anonymous	anonymous	ADJ
ajiss-357	12	12	referees	referee	NOUN
ajiss-357	12	13	,	,	PUNCT
ajiss-357	12	14	which	which	PRON
ajiss-357	12	15	substantially	substantially	ADV
ajiss-357	12	16	improved	improve	VERB
ajiss-357	12	17	the	the	DET
ajiss-357	12	18	paper	paper	NOUN
ajiss-357	12	19	’s	’s	PART
ajiss-357	12	20	quality	quality	NOUN
ajiss-357	12	21	and	and	CCONJ
ajiss-357	12	22	readability	readability	NOUN
ajiss-357	12	23	,	,	PUNCT
ajiss-357	12	24	as	as	ADV
ajiss-357	12	25	well	well	ADV
ajiss-357	12	26	as	as	ADP
ajiss-357	12	27	the	the	DET
ajiss-357	12	28	editorial	editorial	ADJ
ajiss-357	12	29	help	help	NOUN
ajiss-357	12	30	provided	provide	VERB
ajiss-357	12	31	by	by	ADP
ajiss-357	12	32	geoffrey	geoffrey	PROPN
ajiss-357	12	33	ngene	ngene	PROPN
ajiss-357	12	34	and	and	CCONJ
ajiss-357	12	35	mamunur	mamunur	PROPN
ajiss-357	12	36	rashid	rashid	PROPN
ajiss-357	12	37	.	.	PUNCT
ajiss-357	13	1	ajiss-27-1-final-obay.qxp	ajiss-27-1-final-obay.qxp	PROPN
ajiss-357	13	2	6/9/2010	6/9/2010	NOUN
ajiss-357	13	3	4:06	4:06	NUM
ajiss-357	13	4	pm	pm	NOUN
ajiss-357	13	5	page	page	NOUN
ajiss-357	13	6	74	74	NUM
ajiss-357	13	7	pdf	pdf	NOUN
ajiss-357	13	8	created	create	VERB
ajiss-357	13	9	with	with	ADP
ajiss-357	13	10	pdffactory	pdffactory	ADJ
ajiss-357	13	11	pro	pro	ADJ
ajiss-357	13	12	trial	trial	NOUN
ajiss-357	13	13	version	version	NOUN
ajiss-357	13	14	www.pdffactory.com	www.pdffactory.com	X
ajiss-357	13	15	mailto:mhassan@uno.edu	mailto:mhassan@uno.edu	VERB
ajiss-357	13	16	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	13	17	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	14	1	ing	e	VERB
ajiss-357	14	2	their	their	PRON
ajiss-357	14	3	competitiveness	competitiveness	NOUN
ajiss-357	14	4	,	,	PUNCT
ajiss-357	14	5	it	it	PRON
ajiss-357	14	6	also	also	ADV
ajiss-357	14	7	requires	require	VERB
ajiss-357	14	8	increased	increase	VERB
ajiss-357	14	9	transparency	transparency	NOUN
ajiss-357	14	10	and	and	CCONJ
ajiss-357	14	11	disclosure	disclosure	NOUN
ajiss-357	14	12	to	to	PART
ajiss-357	14	13	improve	improve	VERB
ajiss-357	14	14	the	the	DET
ajiss-357	14	15	understanding	understanding	NOUN
ajiss-357	14	16	of	of	ADP
ajiss-357	14	17	markets	market	NOUN
ajiss-357	14	18	and	and	CCONJ
ajiss-357	14	19	regulatory	regulatory	ADJ
ajiss-357	14	20	agencies	agency	NOUN
ajiss-357	14	21	.	.	PUNCT
ajiss-357	15	1	the	the	DET
ajiss-357	15	2	governance	governance	NOUN
ajiss-357	15	3	of	of	ADP
ajiss-357	15	4	islamic	islamic	ADJ
ajiss-357	15	5	banks	bank	NOUN
ajiss-357	15	6	is	be	AUX
ajiss-357	15	7	made	make	VERB
ajiss-357	15	8	even	even	ADV
ajiss-357	15	9	more	more	ADV
ajiss-357	15	10	complex	complex	ADJ
ajiss-357	15	11	by	by	ADP
ajiss-357	15	12	the	the	DET
ajiss-357	15	13	need	need	NOUN
ajiss-357	15	14	for	for	SCONJ
ajiss-357	15	15	these	these	DET
ajiss-357	15	16	banks	bank	NOUN
ajiss-357	15	17	to	to	PART
ajiss-357	15	18	meet	meet	VERB
ajiss-357	15	19	a	a	DET
ajiss-357	15	20	set	set	NOUN
ajiss-357	15	21	of	of	ADP
ajiss-357	15	22	ethical	ethical	ADJ
ajiss-357	15	23	and	and	CCONJ
ajiss-357	15	24	financial	financial	ADJ
ajiss-357	15	25	standards	standard	NOUN
ajiss-357	15	26	defined	define	VERB
ajiss-357	15	27	by	by	ADP
ajiss-357	15	28	the	the	DET
ajiss-357	15	29	shari`ah	shari`ah	PROPN
ajiss-357	15	30	and	and	CCONJ
ajiss-357	15	31	the	the	DET
ajiss-357	15	32	nature	nature	NOUN
ajiss-357	15	33	of	of	ADP
ajiss-357	15	34	the	the	DET
ajiss-357	15	35	financial	financial	ADJ
ajiss-357	15	36	contracts	contract	NOUN
ajiss-357	15	37	banks	bank	NOUN
ajiss-357	15	38	use	use	VERB
ajiss-357	15	39	to	to	PART
ajiss-357	15	40	mobilize	mobilize	VERB
ajiss-357	15	41	deposits	deposit	NOUN
ajiss-357	15	42	.	.	PUNCT
ajiss-357	16	1	effective	effective	ADJ
ajiss-357	16	2	transparency	transparency	NOUN
ajiss-357	16	3	in	in	ADP
ajiss-357	16	4	this	this	DET
ajiss-357	16	5	area	area	NOUN
ajiss-357	16	6	will	will	AUX
ajiss-357	16	7	greatly	greatly	ADV
ajiss-357	16	8	enhance	enhance	VERB
ajiss-357	16	9	their	their	PRON
ajiss-357	16	10	credibility	credibility	NOUN
ajiss-357	16	11	and	and	CCONJ
ajiss-357	16	12	reinforce	reinforce	VERB
ajiss-357	16	13	their	their	PRON
ajiss-357	16	14	depositors	depositor	NOUN
ajiss-357	16	15	and	and	CCONJ
ajiss-357	16	16	investors	investor	NOUN
ajiss-357	16	17	’	'	PUNCT
ajiss-357	16	18	level	level	NOUN
ajiss-357	16	19	of	of	ADP
ajiss-357	16	20	confidence	confidence	NOUN
ajiss-357	16	21	.	.	PUNCT
ajiss-357	17	1	introduction	introduction	NOUN
ajiss-357	17	2	basel	basel	PROPN
ajiss-357	17	3	ii	ii	PROPN
ajiss-357	17	4	,	,	PUNCT
ajiss-357	17	5	the	the	DET
ajiss-357	17	6	capital	capital	NOUN
ajiss-357	17	7	accord	accord	NOUN
ajiss-357	17	8	adopted	adopt	VERB
ajiss-357	17	9	by	by	ADP
ajiss-357	17	10	the	the	DET
ajiss-357	17	11	basel	basel	PROPN
ajiss-357	17	12	committee	committee	PROPN
ajiss-357	17	13	on	on	ADP
ajiss-357	17	14	banking	banking	NOUN
ajiss-357	17	15	supervision	supervision	NOUN
ajiss-357	17	16	in	in	ADP
ajiss-357	17	17	2003	2003	NUM
ajiss-357	17	18	and	and	CCONJ
ajiss-357	17	19	implemented	implement	VERB
ajiss-357	17	20	in	in	ADP
ajiss-357	17	21	member	member	NOUN
ajiss-357	17	22	countries	country	NOUN
ajiss-357	17	23	by	by	ADP
ajiss-357	17	24	the	the	DET
ajiss-357	17	25	end	end	NOUN
ajiss-357	17	26	of	of	ADP
ajiss-357	17	27	2006	2006	NUM
ajiss-357	17	28	,	,	PUNCT
ajiss-357	17	29	seeks	seek	VERB
ajiss-357	17	30	to	to	PART
ajiss-357	17	31	encourage	encourage	VERB
ajiss-357	17	32	market	market	NOUN
ajiss-357	17	33	discipline	discipline	NOUN
ajiss-357	17	34	by	by	ADP
ajiss-357	17	35	developing	develop	VERB
ajiss-357	17	36	a	a	DET
ajiss-357	17	37	set	set	NOUN
ajiss-357	17	38	of	of	ADP
ajiss-357	17	39	disclosure	disclosure	NOUN
ajiss-357	17	40	requirements	requirement	NOUN
ajiss-357	17	41	that	that	PRON
ajiss-357	17	42	will	will	AUX
ajiss-357	17	43	enable	enable	VERB
ajiss-357	17	44	market	market	NOUN
ajiss-357	17	45	participants	participant	NOUN
ajiss-357	17	46	to	to	PART
ajiss-357	17	47	assess	assess	VERB
ajiss-357	17	48	fundamental	fundamental	ADJ
ajiss-357	17	49	information	information	NOUN
ajiss-357	17	50	on	on	ADP
ajiss-357	17	51	a	a	DET
ajiss-357	17	52	given	give	VERB
ajiss-357	17	53	bank	bank	NOUN
ajiss-357	17	54	’s	’s	PART
ajiss-357	17	55	capital	capital	NOUN
ajiss-357	17	56	risk	risk	NOUN
ajiss-357	17	57	exposure	exposure	NOUN
ajiss-357	17	58	,	,	PUNCT
ajiss-357	17	59	risk	risk	NOUN
ajiss-357	17	60	assessment	assessment	NOUN
ajiss-357	17	61	and	and	CCONJ
ajiss-357	17	62	management	management	NOUN
ajiss-357	17	63	processes	process	NOUN
ajiss-357	17	64	,	,	PUNCT
ajiss-357	17	65	and	and	CCONJ
ajiss-357	17	66	capital	capital	NOUN
ajiss-357	17	67	adequacy	adequacy	NOUN
ajiss-357	17	68	.	.	PUNCT
ajiss-357	18	1	it	it	PRON
ajiss-357	18	2	is	be	AUX
ajiss-357	18	3	based	base	VERB
ajiss-357	18	4	on	on	ADP
ajiss-357	18	5	three	three	NUM
ajiss-357	18	6	mutually	mutually	ADV
ajiss-357	18	7	reinforcing	reinforce	VERB
ajiss-357	18	8	pillars	pillar	NOUN
ajiss-357	18	9	:	:	PUNCT
ajiss-357	18	10	capital	capital	NOUN
ajiss-357	18	11	requirements	requirement	NOUN
ajiss-357	18	12	,	,	PUNCT
ajiss-357	18	13	supervisory	supervisory	ADJ
ajiss-357	18	14	review	review	NOUN
ajiss-357	18	15	,	,	PUNCT
ajiss-357	18	16	and	and	CCONJ
ajiss-357	18	17	market	market	NOUN
ajiss-357	18	18	discipline	discipline	NOUN
ajiss-357	18	19	.	.	PUNCT
ajiss-357	19	1	but	but	CCONJ
ajiss-357	19	2	its	its	PRON
ajiss-357	19	3	major	major	ADJ
ajiss-357	19	4	focus	focus	NOUN
ajiss-357	19	5	is	be	AUX
ajiss-357	19	6	on	on	ADP
ajiss-357	19	7	the	the	DET
ajiss-357	19	8	risk	risk	NOUN
ajiss-357	19	9	-	-	PUNCT
ajiss-357	19	10	based	base	VERB
ajiss-357	19	11	capital	capital	NOUN
ajiss-357	19	12	requirement	requirement	NOUN
ajiss-357	19	13	.	.	PUNCT
ajiss-357	20	1	the	the	DET
ajiss-357	20	2	accord	accord	NOUN
ajiss-357	20	3	is	be	AUX
ajiss-357	20	4	designed	design	VERB
ajiss-357	20	5	to	to	PART
ajiss-357	20	6	allow	allow	VERB
ajiss-357	20	7	some	some	DET
ajiss-357	20	8	banks	bank	NOUN
ajiss-357	20	9	to	to	PART
ajiss-357	20	10	determine	determine	VERB
ajiss-357	20	11	capital	capital	NOUN
ajiss-357	20	12	costs	cost	NOUN
ajiss-357	20	13	using	use	VERB
ajiss-357	20	14	their	their	PRON
ajiss-357	20	15	advanced	advanced	ADJ
ajiss-357	20	16	internal	internal	ADJ
ajiss-357	20	17	risk	risk	NOUN
ajiss-357	20	18	management	management	NOUN
ajiss-357	20	19	models	model	NOUN
ajiss-357	20	20	,	,	PUNCT
ajiss-357	20	21	which	which	PRON
ajiss-357	20	22	would	would	AUX
ajiss-357	20	23	help	help	VERB
ajiss-357	20	24	establish	establish	VERB
ajiss-357	20	25	proper	proper	ADJ
ajiss-357	20	26	risk	risk	NOUN
ajiss-357	20	27	management	management	NOUN
ajiss-357	20	28	guidelines	guideline	NOUN
ajiss-357	20	29	and	and	CCONJ
ajiss-357	20	30	assessment	assessment	NOUN
ajiss-357	20	31	capabilities	capability	NOUN
ajiss-357	20	32	.	.	PUNCT
ajiss-357	21	1	nevertheless	nevertheless	ADV
ajiss-357	21	2	,	,	PUNCT
ajiss-357	21	3	the	the	DET
ajiss-357	21	4	accord	accord	NOUN
ajiss-357	21	5	has	have	AUX
ajiss-357	21	6	been	be	AUX
ajiss-357	21	7	received	receive	VERB
ajiss-357	21	8	with	with	ADP
ajiss-357	21	9	mixed	mixed	ADJ
ajiss-357	21	10	reactions	reaction	NOUN
ajiss-357	21	11	.	.	PUNCT
ajiss-357	22	1	a	a	DET
ajiss-357	22	2	few	few	ADJ
ajiss-357	22	3	quantitative	quantitative	ADJ
ajiss-357	22	4	impact	impact	NOUN
ajiss-357	22	5	studies	study	NOUN
ajiss-357	22	6	have	have	AUX
ajiss-357	22	7	already	already	ADV
ajiss-357	22	8	revealed	reveal	VERB
ajiss-357	22	9	the	the	DET
ajiss-357	22	10	waiting	wait	VERB
ajiss-357	22	11	regulatory	regulatory	ADJ
ajiss-357	22	12	nightmare	nightmare	NOUN
ajiss-357	22	13	even	even	ADV
ajiss-357	22	14	for	for	ADP
ajiss-357	22	15	industrialized	industrialized	ADJ
ajiss-357	22	16	countries	country	NOUN
ajiss-357	22	17	.	.	PUNCT
ajiss-357	23	1	its	its	PRON
ajiss-357	23	2	overly	overly	ADV
ajiss-357	23	3	prescriptive	prescriptive	ADJ
ajiss-357	23	4	and	and	CCONJ
ajiss-357	23	5	complex	complex	ADJ
ajiss-357	23	6	approach	approach	NOUN
ajiss-357	23	7	may	may	AUX
ajiss-357	23	8	stifle	stifle	VERB
ajiss-357	23	9	market	market	NOUN
ajiss-357	23	10	-	-	PUNCT
ajiss-357	23	11	based	base	VERB
ajiss-357	23	12	innovation	innovation	NOUN
ajiss-357	23	13	in	in	ADP
ajiss-357	23	14	risk	risk	NOUN
ajiss-357	23	15	management	management	NOUN
ajiss-357	23	16	practices	practice	NOUN
ajiss-357	23	17	,	,	PUNCT
ajiss-357	23	18	as	as	SCONJ
ajiss-357	23	19	exemplified	exemplify	VERB
ajiss-357	23	20	by	by	ADP
ajiss-357	23	21	the	the	DET
ajiss-357	23	22	preference	preference	NOUN
ajiss-357	23	23	of	of	ADP
ajiss-357	23	24	most	most	ADJ
ajiss-357	23	25	national	national	ADJ
ajiss-357	23	26	regulatory	regulatory	ADJ
ajiss-357	23	27	regimes	regime	NOUN
ajiss-357	23	28	for	for	ADP
ajiss-357	23	29	a	a	DET
ajiss-357	23	30	competitive	competitive	ADJ
ajiss-357	23	31	approach	approach	NOUN
ajiss-357	23	32	.	.	PUNCT
ajiss-357	24	1	if	if	SCONJ
ajiss-357	24	2	government	government	NOUN
ajiss-357	24	3	-	-	PUNCT
ajiss-357	24	4	sponsored	sponsor	VERB
ajiss-357	24	5	deposit	deposit	NOUN
ajiss-357	24	6	insurance	insurance	NOUN
ajiss-357	24	7	systems	system	NOUN
ajiss-357	24	8	require	require	VERB
ajiss-357	24	9	minimum	minimum	ADJ
ajiss-357	24	10	capital	capital	NOUN
ajiss-357	24	11	standards	standard	NOUN
ajiss-357	24	12	,	,	PUNCT
ajiss-357	24	13	then	then	ADV
ajiss-357	24	14	a	a	DET
ajiss-357	24	15	simple	simple	ADJ
ajiss-357	24	16	capital	capital	NOUN
ajiss-357	24	17	leverage	leverage	NOUN
ajiss-357	24	18	rule	rule	NOUN
ajiss-357	24	19	with	with	ADP
ajiss-357	24	20	no	no	DET
ajiss-357	24	21	risk	risk	NOUN
ajiss-357	24	22	weights	weight	NOUN
ajiss-357	24	23	may	may	AUX
ajiss-357	24	24	be	be	AUX
ajiss-357	24	25	sufficient	sufficient	ADJ
ajiss-357	24	26	,	,	PUNCT
ajiss-357	24	27	especially	especially	ADV
ajiss-357	24	28	if	if	SCONJ
ajiss-357	24	29	there	there	PRON
ajiss-357	24	30	is	be	VERB
ajiss-357	24	31	an	an	DET
ajiss-357	24	32	emphasis	emphasis	NOUN
ajiss-357	24	33	on	on	ADP
ajiss-357	24	34	market	market	NOUN
ajiss-357	24	35	discipline	discipline	NOUN
ajiss-357	24	36	through	through	ADP
ajiss-357	24	37	a	a	DET
ajiss-357	24	38	subordinated	subordinated	ADJ
ajiss-357	24	39	debt	debt	NOUN
ajiss-357	24	40	requirement	requirement	NOUN
ajiss-357	24	41	and	and	CCONJ
ajiss-357	24	42	disclosure	disclosure	NOUN
ajiss-357	24	43	framework	framework	NOUN
ajiss-357	24	44	.	.	PUNCT
ajiss-357	25	1	it	it	PRON
ajiss-357	25	2	is	be	AUX
ajiss-357	25	3	also	also	ADV
ajiss-357	25	4	argued	argue	VERB
ajiss-357	25	5	that	that	SCONJ
ajiss-357	25	6	countries	country	NOUN
ajiss-357	25	7	without	without	ADP
ajiss-357	25	8	a	a	DET
ajiss-357	25	9	public	public	ADJ
ajiss-357	25	10	deposit	deposit	NOUN
ajiss-357	25	11	insurance	insurance	NOUN
ajiss-357	25	12	system	system	NOUN
ajiss-357	25	13	should	should	AUX
ajiss-357	25	14	move	move	VERB
ajiss-357	25	15	toward	toward	ADP
ajiss-357	25	16	a	a	DET
ajiss-357	25	17	system	system	NOUN
ajiss-357	25	18	of	of	ADP
ajiss-357	25	19	financial	financial	ADJ
ajiss-357	25	20	deregulation	deregulation	NOUN
ajiss-357	25	21	.	.	PUNCT
ajiss-357	26	1	in	in	ADP
ajiss-357	26	2	basel	basel	PROPN
ajiss-357	26	3	ii	ii	PROPN
ajiss-357	26	4	,	,	PUNCT
ajiss-357	26	5	the	the	DET
ajiss-357	26	6	committee	committee	NOUN
ajiss-357	26	7	continues	continue	VERB
ajiss-357	26	8	the	the	DET
ajiss-357	26	9	twenty	twenty	NUM
ajiss-357	26	10	-	-	PUNCT
ajiss-357	26	11	five	five	NUM
ajiss-357	26	12	core	core	NOUN
ajiss-357	26	13	principles	principle	NOUN
ajiss-357	26	14	(	(	PUNCT
ajiss-357	26	15	adopted	adopt	VERB
ajiss-357	26	16	from	from	ADP
ajiss-357	26	17	basel	basel	PROPN
ajiss-357	26	18	i	i	PROPN
ajiss-357	26	19	)	)	PUNCT
ajiss-357	26	20	related	relate	VERB
ajiss-357	26	21	to	to	ADP
ajiss-357	26	22	five	five	NUM
ajiss-357	26	23	major	major	ADJ
ajiss-357	26	24	areas	area	NOUN
ajiss-357	26	25	,	,	PUNCT
ajiss-357	26	26	namely	namely	ADV
ajiss-357	26	27	,	,	PUNCT
ajiss-357	26	28	bank	bank	NOUN
ajiss-357	26	29	chartering	chartering	NOUN
ajiss-357	26	30	and	and	CCONJ
ajiss-357	26	31	licensing	licensing	NOUN
ajiss-357	26	32	;	;	PUNCT
ajiss-357	26	33	risk	risk	NOUN
ajiss-357	26	34	identification	identification	NOUN
ajiss-357	26	35	and	and	CCONJ
ajiss-357	26	36	measurement	measurement	NOUN
ajiss-357	26	37	;	;	PUNCT
ajiss-357	26	38	asset	asset	NOUN
ajiss-357	26	39	quality	quality	NOUN
ajiss-357	26	40	and	and	CCONJ
ajiss-357	26	41	provisioning	provisioning	NOUN
ajiss-357	26	42	;	;	PUNCT
ajiss-357	26	43	cross	cross	ADJ
ajiss-357	26	44	-	-	ADJ
ajiss-357	26	45	border	border	ADJ
ajiss-357	26	46	banking	banking	NOUN
ajiss-357	26	47	,	,	PUNCT
ajiss-357	26	48	relationship	relationship	NOUN
ajiss-357	26	49	,	,	PUNCT
ajiss-357	26	50	and	and	CCONJ
ajiss-357	26	51	control	control	NOUN
ajiss-357	26	52	;	;	PUNCT
ajiss-357	26	53	and	and	CCONJ
ajiss-357	26	54	supervisory	supervisory	ADJ
ajiss-357	26	55	capacity	capacity	NOUN
ajiss-357	26	56	development	development	NOUN
ajiss-357	26	57	between	between	ADP
ajiss-357	26	58	home	home	NOUN
ajiss-357	26	59	and	and	CCONJ
ajiss-357	26	60	host	host	NOUN
ajiss-357	26	61	.	.	PUNCT
ajiss-357	27	1	these	these	DET
ajiss-357	27	2	principles	principle	NOUN
ajiss-357	27	3	,	,	PUNCT
ajiss-357	27	4	which	which	PRON
ajiss-357	27	5	have	have	AUX
ajiss-357	27	6	been	be	AUX
ajiss-357	27	7	reviewed	review	VERB
ajiss-357	27	8	biannually	biannually	ADV
ajiss-357	27	9	since	since	SCONJ
ajiss-357	27	10	october	october	PROPN
ajiss-357	27	11	1998	1998	NUM
ajiss-357	27	12	,	,	PUNCT
ajiss-357	27	13	were	be	AUX
ajiss-357	27	14	intended	intend	VERB
ajiss-357	27	15	to	to	PART
ajiss-357	27	16	serve	serve	VERB
ajiss-357	27	17	as	as	ADP
ajiss-357	27	18	a	a	DET
ajiss-357	27	19	hassan	hassan	PROPN
ajiss-357	27	20	and	and	CCONJ
ajiss-357	27	21	chowdhury	chowdhury	PROPN
ajiss-357	27	22	:	:	PUNCT
ajiss-357	27	23	islamic	islamic	ADJ
ajiss-357	27	24	banking	banking	NOUN
ajiss-357	27	25	regulations	regulation	NOUN
ajiss-357	27	26	75	75	NUM
ajiss-357	27	27	ajiss-27-1-final-obay.qxp	ajiss-27-1-final-obay.qxp	PROPN
ajiss-357	27	28	6/9/2010	6/9/2010	NUM
ajiss-357	27	29	4:06	4:06	NUM
ajiss-357	27	30	pm	pm	NOUN
ajiss-357	27	31	page	page	NOUN
ajiss-357	27	32	75	75	NUM
ajiss-357	27	33	pdf	pdf	NOUN
ajiss-357	27	34	created	create	VERB
ajiss-357	27	35	with	with	ADP
ajiss-357	27	36	pdffactory	pdffactory	ADJ
ajiss-357	27	37	pro	pro	ADJ
ajiss-357	27	38	trial	trial	NOUN
ajiss-357	27	39	version	version	NOUN
ajiss-357	27	40	www.pdffactory.com	www.pdffactory.com	X
ajiss-357	27	41	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	27	42	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	28	1	basic	basic	ADJ
ajiss-357	28	2	guideline	guideline	NOUN
ajiss-357	28	3	for	for	ADP
ajiss-357	28	4	supervisory	supervisory	ADJ
ajiss-357	28	5	authorities	authority	NOUN
ajiss-357	28	6	worldwide	worldwide	ADV
ajiss-357	28	7	,	,	PUNCT
ajiss-357	28	8	ensure	ensure	VERB
ajiss-357	28	9	financial	financial	ADJ
ajiss-357	28	10	stability	stability	NOUN
ajiss-357	28	11	,	,	PUNCT
ajiss-357	28	12	and	and	CCONJ
ajiss-357	28	13	bolster	bolster	VERB
ajiss-357	28	14	the	the	DET
ajiss-357	28	15	investors	investor	NOUN
ajiss-357	28	16	’	’	PART
ajiss-357	28	17	confidence	confidence	NOUN
ajiss-357	28	18	level	level	NOUN
ajiss-357	28	19	.	.	PUNCT
ajiss-357	29	1	countries	country	NOUN
ajiss-357	29	2	are	be	AUX
ajiss-357	29	3	encouraged	encourage	VERB
ajiss-357	29	4	to	to	PART
ajiss-357	29	5	review	review	VERB
ajiss-357	29	6	deficiencies	deficiency	NOUN
ajiss-357	29	7	in	in	ADP
ajiss-357	29	8	their	their	PRON
ajiss-357	29	9	existing	exist	VERB
ajiss-357	29	10	supervisory	supervisory	ADJ
ajiss-357	29	11	arrangements	arrangement	NOUN
ajiss-357	29	12	in	in	ADP
ajiss-357	29	13	light	light	NOUN
ajiss-357	29	14	of	of	ADP
ajiss-357	29	15	these	these	DET
ajiss-357	29	16	principles	principle	NOUN
ajiss-357	29	17	and	and	CCONJ
ajiss-357	29	18	to	to	PART
ajiss-357	29	19	make	make	VERB
ajiss-357	29	20	the	the	DET
ajiss-357	29	21	changes	change	NOUN
ajiss-357	29	22	needed	need	VERB
ajiss-357	29	23	to	to	PART
ajiss-357	29	24	meet	meet	VERB
ajiss-357	29	25	the	the	DET
ajiss-357	29	26	emerging	emerge	VERB
ajiss-357	29	27	challenges	challenge	NOUN
ajiss-357	29	28	facing	face	VERB
ajiss-357	29	29	their	their	PRON
ajiss-357	29	30	financial	financial	ADJ
ajiss-357	29	31	institutions	institution	NOUN
ajiss-357	29	32	and	and	CCONJ
ajiss-357	29	33	systems	system	NOUN
ajiss-357	29	34	.	.	PUNCT
ajiss-357	30	1	the	the	DET
ajiss-357	30	2	committee	committee	NOUN
ajiss-357	30	3	is	be	AUX
ajiss-357	30	4	expected	expect	VERB
ajiss-357	30	5	to	to	PART
ajiss-357	30	6	monitor	monitor	VERB
ajiss-357	30	7	their	their	PRON
ajiss-357	30	8	progress	progress	NOUN
ajiss-357	30	9	as	as	SCONJ
ajiss-357	30	10	regards	regard	VERB
ajiss-357	30	11	principle	principle	ADJ
ajiss-357	30	12	implementation	implementation	NOUN
ajiss-357	30	13	.	.	PUNCT
ajiss-357	31	1	it	it	PRON
ajiss-357	31	2	is	be	AUX
ajiss-357	31	3	proposed	propose	VERB
ajiss-357	31	4	that	that	SCONJ
ajiss-357	31	5	such	such	ADJ
ajiss-357	31	6	international	international	ADJ
ajiss-357	31	7	organizations	organization	NOUN
ajiss-357	31	8	as	as	ADP
ajiss-357	31	9	the	the	DET
ajiss-357	31	10	international	international	ADJ
ajiss-357	31	11	monetary	monetary	ADJ
ajiss-357	31	12	fund	fund	NOUN
ajiss-357	31	13	and	and	CCONJ
ajiss-357	31	14	the	the	DET
ajiss-357	31	15	world	world	NOUN
ajiss-357	31	16	bank	bank	PROPN
ajiss-357	31	17	should	should	AUX
ajiss-357	31	18	use	use	VERB
ajiss-357	31	19	these	these	DET
ajiss-357	31	20	principles	principle	NOUN
ajiss-357	31	21	to	to	PART
ajiss-357	31	22	help	help	VERB
ajiss-357	31	23	countries	country	NOUN
ajiss-357	31	24	strengthen	strengthen	VERB
ajiss-357	31	25	their	their	PRON
ajiss-357	31	26	supervisory	supervisory	ADJ
ajiss-357	31	27	arrangements	arrangement	NOUN
ajiss-357	31	28	for	for	ADP
ajiss-357	31	29	promoting	promote	VERB
ajiss-357	31	30	macroeconomic	macroeconomic	ADJ
ajiss-357	31	31	and	and	CCONJ
ajiss-357	31	32	financial	financial	ADJ
ajiss-357	31	33	stability	stability	NOUN
ajiss-357	31	34	.	.	PUNCT
ajiss-357	32	1	islamic	islamic	ADJ
ajiss-357	32	2	financial	financial	ADJ
ajiss-357	32	3	institutions	institution	NOUN
ajiss-357	32	4	(	(	PUNCT
ajiss-357	32	5	ifis	ifis	PROPN
ajiss-357	32	6	)	)	PUNCT
ajiss-357	32	7	have	have	AUX
ajiss-357	32	8	been	be	AUX
ajiss-357	32	9	facing	face	VERB
ajiss-357	32	10	immense	immense	ADJ
ajiss-357	32	11	challenges	challenge	NOUN
ajiss-357	32	12	for	for	ADP
ajiss-357	32	13	the	the	DET
ajiss-357	32	14	last	last	ADJ
ajiss-357	32	15	two	two	NUM
ajiss-357	32	16	decades	decade	NOUN
ajiss-357	32	17	due	due	ADJ
ajiss-357	32	18	to	to	ADP
ajiss-357	32	19	increased	increase	VERB
ajiss-357	32	20	competition	competition	NOUN
ajiss-357	32	21	from	from	ADP
ajiss-357	32	22	conventional	conventional	ADJ
ajiss-357	32	23	financial	financial	ADJ
ajiss-357	32	24	institutions	institution	NOUN
ajiss-357	32	25	(	(	PUNCT
ajiss-357	32	26	cfis	cfis	PROPN
ajiss-357	32	27	)	)	PUNCT
ajiss-357	32	28	offering	offer	VERB
ajiss-357	32	29	universal	universal	ADJ
ajiss-357	32	30	financial	financial	ADJ
ajiss-357	32	31	services	service	NOUN
ajiss-357	32	32	and	and	CCONJ
ajiss-357	32	33	islamic	islamic	ADJ
ajiss-357	32	34	financial	financial	ADJ
ajiss-357	32	35	institutions	institution	NOUN
ajiss-357	32	36	offering	offer	VERB
ajiss-357	32	37	non	non	ADJ
ajiss-357	32	38	-	-	ADJ
ajiss-357	32	39	banking	banking	ADJ
ajiss-357	32	40	services	service	NOUN
ajiss-357	32	41	(	(	PUNCT
ajiss-357	32	42	e.g.	e.g.	ADV
ajiss-357	32	43	,	,	PUNCT
ajiss-357	32	44	islamic	islamic	ADJ
ajiss-357	32	45	leasing	leasing	NOUN
ajiss-357	32	46	and	and	CCONJ
ajiss-357	32	47	insurance	insurance	NOUN
ajiss-357	32	48	)	)	PUNCT
ajiss-357	32	49	;	;	PUNCT
ajiss-357	32	50	the	the	DET
ajiss-357	32	51	manic	manic	ADJ
ajiss-357	32	52	utilization	utilization	NOUN
ajiss-357	32	53	of	of	ADP
ajiss-357	32	54	complex	complex	ADJ
ajiss-357	32	55	financial	financial	ADJ
ajiss-357	32	56	instruments	instrument	NOUN
ajiss-357	32	57	in	in	ADP
ajiss-357	32	58	a	a	DET
ajiss-357	32	59	technologically	technologically	ADV
ajiss-357	32	60	driven	drive	VERB
ajiss-357	32	61	financial	financial	ADJ
ajiss-357	32	62	market	market	NOUN
ajiss-357	32	63	;	;	PUNCT
ajiss-357	32	64	and	and	CCONJ
ajiss-357	32	65	the	the	DET
ajiss-357	32	66	atypical	atypical	ADJ
ajiss-357	32	67	asset	asset	NOUN
ajiss-357	32	68	-	-	PUNCT
ajiss-357	32	69	liability	liability	NOUN
ajiss-357	32	70	structure	structure	NOUN
ajiss-357	32	71	of	of	ADP
ajiss-357	32	72	islamic	islamic	ADJ
ajiss-357	32	73	banks	bank	NOUN
ajiss-357	32	74	as	as	SCONJ
ajiss-357	32	75	compared	compare	VERB
ajiss-357	32	76	to	to	ADP
ajiss-357	32	77	cfis	cfis	PROPN
ajiss-357	32	78	.	.	PUNCT
ajiss-357	33	1	the	the	DET
ajiss-357	33	2	establishment	establishment	NOUN
ajiss-357	33	3	of	of	ADP
ajiss-357	33	4	islamic	islamic	ADJ
ajiss-357	33	5	investment	investment	NOUN
ajiss-357	33	6	banks	bank	NOUN
ajiss-357	33	7	and	and	CCONJ
ajiss-357	33	8	mutual	mutual	ADJ
ajiss-357	33	9	funds	fund	NOUN
ajiss-357	33	10	that	that	PRON
ajiss-357	33	11	operate	operate	VERB
ajiss-357	33	12	alongside	alongside	ADP
ajiss-357	33	13	islamic	islamic	ADJ
ajiss-357	33	14	banks	bank	NOUN
ajiss-357	33	15	has	have	AUX
ajiss-357	33	16	gained	gain	VERB
ajiss-357	33	17	currency	currency	NOUN
ajiss-357	33	18	and	and	CCONJ
ajiss-357	33	19	complicated	complicate	VERB
ajiss-357	33	20	the	the	DET
ajiss-357	33	21	stability	stability	NOUN
ajiss-357	33	22	of	of	ADP
ajiss-357	33	23	the	the	DET
ajiss-357	33	24	financial	financial	ADJ
ajiss-357	33	25	system	system	NOUN
ajiss-357	33	26	and	and	CCONJ
ajiss-357	33	27	inter	inter	NOUN
ajiss-357	33	28	-	-	NOUN
ajiss-357	33	29	relationships	relationship	NOUN
ajiss-357	33	30	among	among	ADP
ajiss-357	33	31	these	these	DET
ajiss-357	33	32	institutions	institution	NOUN
ajiss-357	33	33	.	.	PUNCT
ajiss-357	34	1	ifis	ifis	PROPN
ajiss-357	34	2	differ	differ	VERB
ajiss-357	34	3	from	from	ADP
ajiss-357	34	4	cfis	cfis	NOUN
ajiss-357	34	5	in	in	ADP
ajiss-357	34	6	four	four	NUM
ajiss-357	34	7	main	main	ADJ
ajiss-357	34	8	dimensions	dimension	NOUN
ajiss-357	34	9	:	:	PUNCT
ajiss-357	34	10	the	the	DET
ajiss-357	34	11	mix	mix	NOUN
ajiss-357	34	12	of	of	ADP
ajiss-357	34	13	contracts	contract	NOUN
ajiss-357	34	14	on	on	ADP
ajiss-357	34	15	the	the	DET
ajiss-357	34	16	liabilities	liability	NOUN
ajiss-357	34	17	side	side	NOUN
ajiss-357	34	18	of	of	ADP
ajiss-357	34	19	the	the	DET
ajiss-357	34	20	balance	balance	NOUN
ajiss-357	34	21	sheet	sheet	NOUN
ajiss-357	34	22	,	,	PUNCT
ajiss-357	34	23	the	the	DET
ajiss-357	34	24	quasi	quasi	ADJ
ajiss-357	34	25	-	-	ADJ
ajiss-357	34	26	equity	equity	ADJ
ajiss-357	34	27	nature	nature	NOUN
ajiss-357	34	28	of	of	ADP
ajiss-357	34	29	investment	investment	NOUN
ajiss-357	34	30	deposits	deposit	NOUN
ajiss-357	34	31	/	/	SYM
ajiss-357	34	32	risk	risk	NOUN
ajiss-357	34	33	sharing	sharing	NOUN
ajiss-357	34	34	between	between	ADP
ajiss-357	34	35	the	the	DET
ajiss-357	34	36	depositor	depositor	NOUN
ajiss-357	34	37	and	and	CCONJ
ajiss-357	34	38	the	the	DET
ajiss-357	34	39	bank	bank	NOUN
ajiss-357	34	40	,	,	PUNCT
ajiss-357	34	41	a	a	DET
ajiss-357	34	42	wider	wide	ADJ
ajiss-357	34	43	variety	variety	NOUN
ajiss-357	34	44	of	of	ADP
ajiss-357	34	45	modes	mode	NOUN
ajiss-357	34	46	of	of	ADP
ajiss-357	34	47	financing	financing	NOUN
ajiss-357	34	48	and	and	CCONJ
ajiss-357	34	49	asset	asset	NOUN
ajiss-357	34	50	mix	mix	NOUN
ajiss-357	34	51	,	,	PUNCT
ajiss-357	34	52	and	and	CCONJ
ajiss-357	34	53	the	the	DET
ajiss-357	34	54	contracts	contract	NOUN
ajiss-357	34	55	’	'	PUNCT
ajiss-357	34	56	risk	risk	NOUN
ajiss-357	34	57	-	-	PUNCT
ajiss-357	34	58	sharing	share	VERB
ajiss-357	34	59	characteristics	characteristic	NOUN
ajiss-357	34	60	and	and	CCONJ
ajiss-357	34	61	the	the	DET
ajiss-357	34	62	absence	absence	NOUN
ajiss-357	34	63	of	of	ADP
ajiss-357	34	64	interest	interest	NOUN
ajiss-357	34	65	in	in	ADP
ajiss-357	34	66	islamic	islamic	ADJ
ajiss-357	34	67	financial	financial	ADJ
ajiss-357	34	68	transactions.1	transactions.1	PROPN
ajiss-357	34	69	the	the	DET
ajiss-357	34	70	major	major	ADJ
ajiss-357	34	71	systemic	systemic	ADJ
ajiss-357	34	72	characteristics	characteristic	NOUN
ajiss-357	34	73	of	of	ADP
ajiss-357	34	74	islamic	islamic	ADJ
ajiss-357	34	75	banks	bank	NOUN
ajiss-357	34	76	are	be	AUX
ajiss-357	34	77	enumerated	enumerate	VERB
ajiss-357	34	78	below	below	ADV
ajiss-357	34	79	.	.	PUNCT
ajiss-357	35	1	the	the	DET
ajiss-357	35	2	liabilities	liability	NOUN
ajiss-357	35	3	of	of	ADP
ajiss-357	35	4	ifis	ifis	PROPN
ajiss-357	35	5	in	in	ADP
ajiss-357	35	6	the	the	DET
ajiss-357	35	7	balance	balance	NOUN
ajiss-357	35	8	sheet	sheet	NOUN
ajiss-357	35	9	are	be	AUX
ajiss-357	35	10	shareholder	shareholder	NOUN
ajiss-357	35	11	equity	equity	NOUN
ajiss-357	35	12	,	,	PUNCT
ajiss-357	35	13	demand	demand	NOUN
ajiss-357	35	14	deposits	deposit	NOUN
ajiss-357	35	15	,	,	PUNCT
ajiss-357	35	16	and	and	CCONJ
ajiss-357	35	17	investment	investment	NOUN
ajiss-357	35	18	deposits	deposit	NOUN
ajiss-357	35	19	.	.	PUNCT
ajiss-357	36	1	these	these	DET
ajiss-357	36	2	latter	latter	ADJ
ajiss-357	36	3	deposits	deposit	NOUN
ajiss-357	36	4	,	,	PUNCT
ajiss-357	36	5	however	however	ADV
ajiss-357	36	6	,	,	PUNCT
ajiss-357	36	7	are	be	AUX
ajiss-357	36	8	managed	manage	VERB
ajiss-357	36	9	according	accord	VERB
ajiss-357	36	10	to	to	ADP
ajiss-357	36	11	profit	profit	NOUN
ajiss-357	36	12	-	-	PUNCT
ajiss-357	36	13	and	and	CCONJ
ajiss-357	36	14	-	-	PUNCT
ajiss-357	36	15	loss	loss	NOUN
ajiss-357	36	16	sharing	sharing	NOUN
ajiss-357	36	17	(	(	PUNCT
ajiss-357	36	18	pls	pls	INTJ
ajiss-357	36	19	)	)	PUNCT
ajiss-357	36	20	principles	principle	NOUN
ajiss-357	36	21	.	.	PUNCT
ajiss-357	37	1	the	the	DET
ajiss-357	37	2	repayment	repayment	NOUN
ajiss-357	37	3	of	of	ADP
ajiss-357	37	4	investment	investment	NOUN
ajiss-357	37	5	deposits	deposit	NOUN
ajiss-357	37	6	is	be	AUX
ajiss-357	37	7	not	not	PART
ajiss-357	37	8	guaranteed	guarantee	VERB
ajiss-357	37	9	,	,	PUNCT
ajiss-357	37	10	and	and	CCONJ
ajiss-357	37	11	the	the	DET
ajiss-357	37	12	deposits	deposit	NOUN
ajiss-357	37	13	do	do	AUX
ajiss-357	37	14	not	not	PART
ajiss-357	37	15	yield	yield	VERB
ajiss-357	37	16	any	any	DET
ajiss-357	37	17	fixed	fix	VERB
ajiss-357	37	18	returns	return	NOUN
ajiss-357	37	19	/	/	SYM
ajiss-357	37	20	interest	interest	NOUN
ajiss-357	37	21	.	.	PUNCT
ajiss-357	38	1	demand	demand	NOUN
ajiss-357	38	2	deposits	deposit	NOUN
ajiss-357	38	3	are	be	AUX
ajiss-357	38	4	guaranteed	guarantee	VERB
ajiss-357	38	5	(	(	PUNCT
ajiss-357	38	6	except	except	SCONJ
ajiss-357	38	7	in	in	ADP
ajiss-357	38	8	the	the	DET
ajiss-357	38	9	event	event	NOUN
ajiss-357	38	10	of	of	ADP
ajiss-357	38	11	insolvency	insolvency	NOUN
ajiss-357	38	12	)	)	PUNCT
ajiss-357	38	13	and	and	CCONJ
ajiss-357	38	14	holders	holder	NOUN
ajiss-357	38	15	,	,	PUNCT
ajiss-357	38	16	therefore	therefore	ADV
ajiss-357	38	17	,	,	PUNCT
ajiss-357	38	18	do	do	AUX
ajiss-357	38	19	not	not	PART
ajiss-357	38	20	share	share	VERB
ajiss-357	38	21	in	in	ADP
ajiss-357	38	22	the	the	DET
ajiss-357	38	23	bank	bank	NOUN
ajiss-357	38	24	’s	’s	PART
ajiss-357	38	25	profits	profit	NOUN
ajiss-357	38	26	and	and	CCONJ
ajiss-357	38	27	losses	loss	NOUN
ajiss-357	38	28	.	.	PUNCT
ajiss-357	39	1	in	in	ADP
ajiss-357	39	2	addition	addition	NOUN
ajiss-357	39	3	,	,	PUNCT
ajiss-357	39	4	they	they	PRON
ajiss-357	39	5	are	be	AUX
ajiss-357	39	6	assumed	assume	VERB
ajiss-357	39	7	to	to	PART
ajiss-357	39	8	be	be	AUX
ajiss-357	39	9	placed	place	VERB
ajiss-357	39	10	as	as	ADP
ajiss-357	39	11	amanah	amanah	PROPN
ajiss-357	39	12	(	(	PUNCT
ajiss-357	39	13	i.e.	i.e.	X
ajiss-357	39	14	,	,	PUNCT
ajiss-357	39	15	safekeeping	safekeeping	NOUN
ajiss-357	39	16	)	)	PUNCT
ajiss-357	39	17	,	,	PUNCT
ajiss-357	39	18	and	and	CCONJ
ajiss-357	39	19	thus	thus	ADV
ajiss-357	39	20	all	all	PRON
ajiss-357	39	21	of	of	ADP
ajiss-357	39	22	the	the	DET
ajiss-357	39	23	central	central	PROPN
ajiss-357	39	24	bank	bank	NOUN
ajiss-357	39	25	’s	’s	PART
ajiss-357	39	26	reserves	reserve	NOUN
ajiss-357	39	27	are	be	AUX
ajiss-357	39	28	held	hold	VERB
ajiss-357	39	29	against	against	ADP
ajiss-357	39	30	them	they	PRON
ajiss-357	39	31	.	.	PUNCT
ajiss-357	40	1	all	all	DET
ajiss-357	40	2	islamic	islamic	ADJ
ajiss-357	40	3	banks	bank	NOUN
ajiss-357	40	4	have	have	VERB
ajiss-357	40	5	the	the	DET
ajiss-357	40	6	following	follow	VERB
ajiss-357	40	7	major	major	ADJ
ajiss-357	40	8	systemic	systemic	ADJ
ajiss-357	40	9	characteristics	characteristic	NOUN
ajiss-357	40	10	in	in	ADP
ajiss-357	40	11	common	common	ADJ
ajiss-357	40	12	:	:	PUNCT
ajiss-357	40	13	(	(	PUNCT
ajiss-357	40	14	a	a	X
ajiss-357	40	15	)	)	PUNCT
ajiss-357	40	16	they	they	PRON
ajiss-357	40	17	offer	offer	VERB
ajiss-357	40	18	a	a	DET
ajiss-357	40	19	full	full	ADJ
ajiss-357	40	20	range	range	NOUN
ajiss-357	40	21	of	of	ADP
ajiss-357	40	22	banking	banking	NOUN
ajiss-357	40	23	services	service	NOUN
ajiss-357	40	24	and	and	CCONJ
ajiss-357	40	25	keep	keep	VERB
ajiss-357	40	26	both	both	PRON
ajiss-357	40	27	a	a	DET
ajiss-357	40	28	banking	banking	NOUN
ajiss-357	40	29	and	and	CCONJ
ajiss-357	40	30	a	a	DET
ajiss-357	40	31	trading	trading	NOUN
ajiss-357	40	32	book	book	NOUN
ajiss-357	40	33	.	.	PUNCT
ajiss-357	41	1	76	76	NUM
ajiss-357	42	1	the	the	DET
ajiss-357	42	2	american	american	PROPN
ajiss-357	42	3	journal	journal	PROPN
ajiss-357	42	4	of	of	ADP
ajiss-357	42	5	islamic	islamic	ADJ
ajiss-357	42	6	social	social	PROPN
ajiss-357	42	7	sciences	sciences	PROPN
ajiss-357	42	8	27:1	27:1	NUM
ajiss-357	42	9	ajiss-27-1-final-obay.qxp	ajiss-27-1-final-obay.qxp	PROPN
ajiss-357	42	10	6/9/2010	6/9/2010	NUM
ajiss-357	42	11	4:06	4:06	NUM
ajiss-357	42	12	pm	pm	NOUN
ajiss-357	42	13	page	page	NOUN
ajiss-357	42	14	76	76	NUM
ajiss-357	42	15	pdf	pdf	NOUN
ajiss-357	42	16	created	create	VERB
ajiss-357	42	17	with	with	ADP
ajiss-357	42	18	pdffactory	pdffactory	ADJ
ajiss-357	42	19	pro	pro	ADJ
ajiss-357	42	20	trial	trial	NOUN
ajiss-357	42	21	version	version	NOUN
ajiss-357	42	22	www.pdffactory.com	www.pdffactory.com	X
ajiss-357	42	23	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	42	24	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	43	1	(	(	PUNCT
ajiss-357	43	2	b	b	X
ajiss-357	43	3	)	)	PUNCT
ajiss-357	43	4	on	on	ADP
ajiss-357	43	5	the	the	DET
ajiss-357	43	6	balance	balance	NOUN
ajiss-357	43	7	sheet	sheet	NOUN
ajiss-357	43	8	’s	’s	PART
ajiss-357	43	9	asset	asset	NOUN
ajiss-357	43	10	side	side	NOUN
ajiss-357	43	11	,	,	PUNCT
ajiss-357	43	12	they	they	PRON
ajiss-357	43	13	have	have	VERB
ajiss-357	43	14	a	a	DET
ajiss-357	43	15	variety	variety	NOUN
ajiss-357	43	16	of	of	ADP
ajiss-357	43	17	assets	asset	NOUN
ajiss-357	43	18	based	base	VERB
ajiss-357	43	19	on	on	ADP
ajiss-357	43	20	either	either	PRON
ajiss-357	43	21	pls	pls	INTJ
ajiss-357	43	22	principles	principle	NOUN
ajiss-357	43	23	or	or	CCONJ
ajiss-357	43	24	mark	mark	NOUN
ajiss-357	43	25	-	-	PUNCT
ajiss-357	43	26	up	up	ADP
ajiss-357	43	27	pricing	pricing	NOUN
ajiss-357	43	28	;	;	PUNCT
ajiss-357	43	29	equity	equity	NOUN
ajiss-357	43	30	-	-	PUNCT
ajiss-357	43	31	based	base	VERB
ajiss-357	43	32	pls	pls	PROPN
ajiss-357	43	33	modes	mode	NOUN
ajiss-357	43	34	of	of	ADP
ajiss-357	43	35	mudarabah	mudarabah	NOUN
ajiss-357	43	36	(	(	PUNCT
ajiss-357	43	37	venture	venture	NOUN
ajiss-357	43	38	capital	capital	NOUN
ajiss-357	43	39	and	and	CCONJ
ajiss-357	43	40	partnership	partnership	NOUN
ajiss-357	43	41	)	)	PUNCT
ajiss-357	43	42	;	;	PUNCT
ajiss-357	43	43	holdings	holding	NOUN
ajiss-357	43	44	of	of	ADP
ajiss-357	43	45	company	company	NOUN
ajiss-357	43	46	equity	equity	NOUN
ajiss-357	43	47	and	and	CCONJ
ajiss-357	43	48	various	various	ADJ
ajiss-357	43	49	“	"	PUNCT
ajiss-357	43	50	sales	sale	NOUN
ajiss-357	43	51	-	-	PUNCT
ajiss-357	43	52	based	base	VERB
ajiss-357	43	53	”	"	PUNCT
ajiss-357	43	54	assets	asset	NOUN
ajiss-357	43	55	through	through	ADP
ajiss-357	43	56	murabahah	murabahah	NOUN
ajiss-357	43	57	(	(	PUNCT
ajiss-357	43	58	resale	resale	NOUN
ajiss-357	43	59	with	with	ADP
ajiss-357	43	60	specification	specification	NOUN
ajiss-357	43	61	of	of	ADP
ajiss-357	43	62	gain	gain	NOUN
ajiss-357	43	63	)	)	PUNCT
ajiss-357	43	64	,	,	PUNCT
ajiss-357	43	65	ijarah	ijarah	PROPN
ajiss-357	43	66	(	(	PUNCT
ajiss-357	43	67	lease	lease	NOUN
ajiss-357	43	68	assets	asset	NOUN
ajiss-357	43	69	)	)	PUNCT
ajiss-357	43	70	,	,	PUNCT
ajiss-357	43	71	salam	salam	PROPN
ajiss-357	43	72	(	(	PUNCT
ajiss-357	43	73	forward	forward	ADV
ajiss-357	43	74	buying	buying	NOUN
ajiss-357	43	75	)	)	PUNCT
ajiss-357	43	76	,	,	PUNCT
ajiss-357	43	77	and	and	CCONJ
ajiss-357	43	78	istisna	istisna	NOUN
ajiss-357	43	79	`	`	PUNCT
ajiss-357	43	80	(	(	PUNCT
ajiss-357	43	81	contract	contract	NOUN
ajiss-357	43	82	of	of	ADP
ajiss-357	43	83	exchange	exchange	NOUN
ajiss-357	43	84	with	with	ADP
ajiss-357	43	85	deferred	deferred	ADJ
ajiss-357	43	86	delivery	delivery	NOUN
ajiss-357	43	87	)	)	PUNCT
ajiss-357	43	88	.	.	PUNCT
ajiss-357	44	1	in	in	ADP
ajiss-357	44	2	addition	addition	NOUN
ajiss-357	44	3	,	,	PUNCT
ajiss-357	44	4	it	it	PRON
ajiss-357	44	5	is	be	AUX
ajiss-357	44	6	subject	subject	ADJ
ajiss-357	44	7	to	to	ADP
ajiss-357	44	8	a	a	DET
ajiss-357	44	9	different	different	ADJ
ajiss-357	44	10	structure	structure	NOUN
ajiss-357	44	11	of	of	ADP
ajiss-357	44	12	risks	risk	NOUN
ajiss-357	44	13	due	due	ADP
ajiss-357	44	14	to	to	ADP
ajiss-357	44	15	its	its	PRON
ajiss-357	44	16	wider	wide	ADJ
ajiss-357	44	17	range	range	NOUN
ajiss-357	44	18	of	of	ADP
ajiss-357	44	19	financing	financing	NOUN
ajiss-357	44	20	modes	mode	NOUN
ajiss-357	44	21	.	.	PUNCT
ajiss-357	45	1	for	for	ADP
ajiss-357	45	2	instance	instance	NOUN
ajiss-357	45	3	,	,	PUNCT
ajiss-357	45	4	under	under	ADP
ajiss-357	45	5	mudarabah	mudarabah	NOUN
ajiss-357	45	6	and	and	CCONJ
ajiss-357	45	7	salam	salam	PROPN
ajiss-357	45	8	contracts	contract	NOUN
ajiss-357	45	9	,	,	PUNCT
ajiss-357	45	10	it	it	PRON
ajiss-357	45	11	faces	face	VERB
ajiss-357	45	12	a	a	DET
ajiss-357	45	13	risk	risk	NOUN
ajiss-357	45	14	that	that	SCONJ
ajiss-357	45	15	the	the	DET
ajiss-357	45	16	counterparty	counterparty	NOUN
ajiss-357	45	17	will	will	AUX
ajiss-357	45	18	fail	fail	VERB
ajiss-357	45	19	to	to	PART
ajiss-357	45	20	deliver	deliver	VERB
ajiss-357	45	21	the	the	DET
ajiss-357	45	22	goods	good	NOUN
ajiss-357	45	23	as	as	SCONJ
ajiss-357	45	24	promised	promise	VERB
ajiss-357	45	25	.	.	PUNCT
ajiss-357	46	1	(	(	PUNCT
ajiss-357	46	2	c	c	X
ajiss-357	46	3	)	)	PUNCT
ajiss-357	46	4	a	a	DET
ajiss-357	46	5	substantial	substantial	ADJ
ajiss-357	46	6	proportion	proportion	NOUN
ajiss-357	46	7	of	of	ADP
ajiss-357	46	8	their	their	PRON
ajiss-357	46	9	financing	financing	NOUN
ajiss-357	46	10	is	be	AUX
ajiss-357	46	11	conducted	conduct	VERB
ajiss-357	46	12	through	through	ADP
ajiss-357	46	13	murabahah	murabahah	NOUN
ajiss-357	46	14	,	,	PUNCT
ajiss-357	46	15	in	in	ADP
ajiss-357	46	16	which	which	PRON
ajiss-357	46	17	the	the	DET
ajiss-357	46	18	bank	bank	NOUN
ajiss-357	46	19	purchases	purchase	VERB
ajiss-357	46	20	a	a	DET
ajiss-357	46	21	good	good	NOUN
ajiss-357	46	22	and	and	CCONJ
ajiss-357	46	23	then	then	ADV
ajiss-357	46	24	sells	sell	VERB
ajiss-357	46	25	it	it	PRON
ajiss-357	46	26	at	at	ADP
ajiss-357	46	27	a	a	DET
ajiss-357	46	28	predetermined	predetermine	VERB
ajiss-357	46	29	mark	mark	NOUN
ajiss-357	46	30	-	-	PUNCT
ajiss-357	46	31	up	up	NOUN
ajiss-357	46	32	.	.	PUNCT
ajiss-357	47	1	(	(	PUNCT
ajiss-357	47	2	d	d	X
ajiss-357	47	3	)	)	PUNCT
ajiss-357	47	4	they	they	PRON
ajiss-357	47	5	can	can	AUX
ajiss-357	47	6	not	not	PART
ajiss-357	47	7	trade	trade	VERB
ajiss-357	47	8	in	in	ADP
ajiss-357	47	9	debt	debt	NOUN
ajiss-357	47	10	,	,	PUNCT
ajiss-357	47	11	which	which	PRON
ajiss-357	47	12	must	must	AUX
ajiss-357	47	13	be	be	AUX
ajiss-357	47	14	held	hold	VERB
ajiss-357	47	15	until	until	ADP
ajiss-357	47	16	maturity	maturity	NOUN
ajiss-357	47	17	.	.	PUNCT
ajiss-357	48	1	(	(	PUNCT
ajiss-357	48	2	e	e	X
ajiss-357	48	3	)	)	PUNCT
ajiss-357	48	4	there	there	PRON
ajiss-357	48	5	are	be	VERB
ajiss-357	48	6	limits	limit	NOUN
ajiss-357	48	7	on	on	ADP
ajiss-357	48	8	how	how	SCONJ
ajiss-357	48	9	much	much	ADJ
ajiss-357	48	10	they	they	PRON
ajiss-357	48	11	can	can	AUX
ajiss-357	48	12	depend	depend	VERB
ajiss-357	48	13	upon	upon	SCONJ
ajiss-357	48	14	the	the	DET
ajiss-357	48	15	collateral	collateral	NOUN
ajiss-357	48	16	offered	offer	VERB
ajiss-357	48	17	against	against	ADP
ajiss-357	48	18	a	a	DET
ajiss-357	48	19	loan	loan	NOUN
ajiss-357	48	20	.	.	PUNCT
ajiss-357	49	1	incidentally	incidentally	ADV
ajiss-357	49	2	,	,	PUNCT
ajiss-357	49	3	this	this	PRON
ajiss-357	49	4	creates	create	VERB
ajiss-357	49	5	problems	problem	NOUN
ajiss-357	49	6	for	for	ADP
ajiss-357	49	7	the	the	DET
ajiss-357	49	8	“	"	PUNCT
ajiss-357	49	9	lender	lender	NOUN
ajiss-357	49	10	of	of	ADP
ajiss-357	49	11	last	last	ADJ
ajiss-357	49	12	resort	resort	NOUN
ajiss-357	49	13	”	"	PUNCT
ajiss-357	49	14	role	role	NOUN
ajiss-357	49	15	.	.	PUNCT
ajiss-357	50	1	(	(	PUNCT
ajiss-357	50	2	f	f	X
ajiss-357	50	3	)	)	PUNCT
ajiss-357	50	4	their	their	PRON
ajiss-357	50	5	access	access	NOUN
ajiss-357	50	6	to	to	ADP
ajiss-357	50	7	credit	credit	NOUN
ajiss-357	50	8	derivatives	derivative	NOUN
ajiss-357	50	9	to	to	PART
ajiss-357	50	10	mitigate	mitigate	VERB
ajiss-357	50	11	risk	risk	NOUN
ajiss-357	50	12	is	be	AUX
ajiss-357	50	13	restricted	restrict	VERB
ajiss-357	50	14	when	when	SCONJ
ajiss-357	50	15	compared	compare	VERB
ajiss-357	50	16	to	to	ADP
ajiss-357	50	17	that	that	PRON
ajiss-357	50	18	of	of	ADP
ajiss-357	50	19	a	a	DET
ajiss-357	50	20	conventional	conventional	ADJ
ajiss-357	50	21	bank.2	bank.2	NOUN
ajiss-357	50	22	the	the	DET
ajiss-357	50	23	guarantee	guarantee	NOUN
ajiss-357	50	24	on	on	ADP
ajiss-357	50	25	demand	demand	NOUN
ajiss-357	50	26	deposits	deposit	NOUN
ajiss-357	50	27	,	,	PUNCT
ajiss-357	50	28	which	which	PRON
ajiss-357	50	29	is	be	AUX
ajiss-357	50	30	naturally	naturally	ADV
ajiss-357	50	31	temporal	temporal	ADJ
ajiss-357	50	32	,	,	PUNCT
ajiss-357	50	33	is	be	AUX
ajiss-357	50	34	not	not	PART
ajiss-357	50	35	part	part	NOUN
ajiss-357	50	36	of	of	ADP
ajiss-357	50	37	the	the	DET
ajiss-357	50	38	spirit	spirit	NOUN
ajiss-357	50	39	of	of	ADP
ajiss-357	50	40	islamic	islamic	ADJ
ajiss-357	50	41	finance	finance	PROPN
ajiss-357	50	42	per	per	ADP
ajiss-357	50	43	se	se	ADV
ajiss-357	50	44	;	;	PUNCT
ajiss-357	50	45	however	however	ADV
ajiss-357	50	46	,	,	PUNCT
ajiss-357	50	47	it	it	PRON
ajiss-357	50	48	is	be	AUX
ajiss-357	50	49	done	do	VERB
ajiss-357	50	50	to	to	PART
ajiss-357	50	51	maintain	maintain	VERB
ajiss-357	50	52	the	the	DET
ajiss-357	50	53	depositors	depositor	NOUN
ajiss-357	50	54	’	’	PART
ajiss-357	50	55	confidence	confidence	NOUN
ajiss-357	50	56	in	in	ADP
ajiss-357	50	57	the	the	DET
ajiss-357	50	58	system	system	NOUN
ajiss-357	50	59	.	.	PUNCT
ajiss-357	51	1	although	although	SCONJ
ajiss-357	51	2	these	these	PRON
ajiss-357	51	3	contribute	contribute	VERB
ajiss-357	51	4	less	less	ADV
ajiss-357	51	5	to	to	ADP
ajiss-357	51	6	the	the	DET
ajiss-357	51	7	liability	liability	NOUN
ajiss-357	51	8	risk	risk	NOUN
ajiss-357	51	9	matrix	matrix	NOUN
ajiss-357	51	10	,	,	PUNCT
ajiss-357	51	11	demand	demand	NOUN
ajiss-357	51	12	deposits	deposit	NOUN
ajiss-357	51	13	are	be	AUX
ajiss-357	51	14	crucial	crucial	ADJ
ajiss-357	51	15	if	if	SCONJ
ajiss-357	51	16	banks	bank	NOUN
ajiss-357	51	17	,	,	PUNCT
ajiss-357	51	18	in	in	ADP
ajiss-357	51	19	the	the	DET
ajiss-357	51	20	unlikely	unlikely	ADJ
ajiss-357	51	21	event	event	NOUN
ajiss-357	51	22	,	,	PUNCT
ajiss-357	51	23	suffer	suffer	VERB
ajiss-357	51	24	considerable	considerable	ADJ
ajiss-357	51	25	losses	loss	NOUN
ajiss-357	51	26	on	on	ADP
ajiss-357	51	27	their	their	PRON
ajiss-357	51	28	pls	pls	NOUN
ajiss-357	51	29	advances	advance	NOUN
ajiss-357	51	30	and	and	CCONJ
ajiss-357	51	31	capital	capital	NOUN
ajiss-357	51	32	reserves	reserve	NOUN
ajiss-357	51	33	if	if	SCONJ
ajiss-357	51	34	their	their	PRON
ajiss-357	51	35	investment	investment	NOUN
ajiss-357	51	36	deposits	deposit	NOUN
ajiss-357	51	37	are	be	AUX
ajiss-357	51	38	not	not	PART
ajiss-357	51	39	sufficient	sufficient	ADJ
ajiss-357	51	40	to	to	PART
ajiss-357	51	41	cover	cover	VERB
ajiss-357	51	42	losses	loss	NOUN
ajiss-357	51	43	.	.	PUNCT
ajiss-357	52	1	the	the	DET
ajiss-357	52	2	rest	rest	NOUN
ajiss-357	52	3	of	of	ADP
ajiss-357	52	4	this	this	DET
ajiss-357	52	5	paper	paper	NOUN
ajiss-357	52	6	is	be	AUX
ajiss-357	52	7	divided	divide	VERB
ajiss-357	52	8	into	into	ADP
ajiss-357	52	9	the	the	DET
ajiss-357	52	10	following	follow	VERB
ajiss-357	52	11	sections	section	NOUN
ajiss-357	52	12	:	:	PUNCT
ajiss-357	52	13	regulating	regulate	VERB
ajiss-357	52	14	islamic	islamic	ADJ
ajiss-357	52	15	banks	bank	NOUN
ajiss-357	52	16	,	,	PUNCT
ajiss-357	52	17	shedding	shed	VERB
ajiss-357	52	18	light	light	NOUN
ajiss-357	52	19	on	on	ADP
ajiss-357	52	20	islamic	islamic	ADJ
ajiss-357	52	21	banking	banking	NOUN
ajiss-357	52	22	regulations	regulation	NOUN
ajiss-357	52	23	within	within	ADP
ajiss-357	52	24	the	the	DET
ajiss-357	52	25	context	context	NOUN
ajiss-357	52	26	of	of	ADP
ajiss-357	52	27	basel	basel	PROPN
ajiss-357	52	28	ii	ii	PROPN
ajiss-357	52	29	,	,	PUNCT
ajiss-357	52	30	analyzing	analyze	VERB
ajiss-357	52	31	basel	basel	PROPN
ajiss-357	52	32	ii	ii	PROPN
ajiss-357	52	33	’s	’s	PART
ajiss-357	52	34	capital	capital	NOUN
ajiss-357	52	35	adequacy	adequacy	NOUN
ajiss-357	52	36	requirement	requirement	NOUN
ajiss-357	52	37	and	and	CCONJ
ajiss-357	52	38	risk	risk	NOUN
ajiss-357	52	39	-	-	PUNCT
ajiss-357	52	40	weight	weight	NOUN
ajiss-357	52	41	issues	issue	NOUN
ajiss-357	52	42	related	relate	VERB
ajiss-357	52	43	to	to	ADP
ajiss-357	52	44	these	these	DET
ajiss-357	52	45	regulations	regulation	NOUN
ajiss-357	52	46	,	,	PUNCT
ajiss-357	52	47	examining	examine	VERB
ajiss-357	52	48	risk	risk	NOUN
ajiss-357	52	49	management	management	NOUN
ajiss-357	52	50	practices	practice	NOUN
ajiss-357	52	51	in	in	ADP
ajiss-357	52	52	islamic	islamic	ADJ
ajiss-357	52	53	banking	banking	NOUN
ajiss-357	52	54	,	,	PUNCT
ajiss-357	52	55	discussing	discuss	VERB
ajiss-357	52	56	the	the	DET
ajiss-357	52	57	corporate	corporate	ADJ
ajiss-357	52	58	governance	governance	NOUN
ajiss-357	52	59	of	of	ADP
ajiss-357	52	60	islamic	islamic	ADJ
ajiss-357	52	61	banks	bank	NOUN
ajiss-357	52	62	,	,	PUNCT
ajiss-357	52	63	analyzing	analyze	VERB
ajiss-357	52	64	the	the	DET
ajiss-357	52	65	transparency	transparency	NOUN
ajiss-357	52	66	of	of	ADP
ajiss-357	52	67	islamic	islamic	ADJ
ajiss-357	52	68	banks	bank	NOUN
ajiss-357	52	69	within	within	ADP
ajiss-357	52	70	the	the	DET
ajiss-357	52	71	basel	basel	PROPN
ajiss-357	52	72	ii	ii	PROPN
ajiss-357	52	73	framework	framework	NOUN
ajiss-357	52	74	,	,	PUNCT
ajiss-357	52	75	examining	examine	VERB
ajiss-357	52	76	the	the	DET
ajiss-357	52	77	causes	cause	NOUN
ajiss-357	52	78	of	of	ADP
ajiss-357	52	79	the	the	DET
ajiss-357	52	80	current	current	ADJ
ajiss-357	52	81	global	global	ADJ
ajiss-357	52	82	financial	financial	ADJ
ajiss-357	52	83	crisis	crisis	NOUN
ajiss-357	52	84	and	and	CCONJ
ajiss-357	52	85	how	how	SCONJ
ajiss-357	52	86	islamic	islamic	ADJ
ajiss-357	52	87	finance	finance	NOUN
ajiss-357	52	88	could	could	AUX
ajiss-357	52	89	have	have	AUX
ajiss-357	52	90	prevented	prevent	VERB
ajiss-357	52	91	it	it	PRON
ajiss-357	52	92	,	,	PUNCT
ajiss-357	52	93	and	and	CCONJ
ajiss-357	52	94	a	a	DET
ajiss-357	52	95	conclusion	conclusion	NOUN
ajiss-357	52	96	.	.	PUNCT
ajiss-357	53	1	the	the	DET
ajiss-357	53	2	case	case	NOUN
ajiss-357	53	3	for	for	ADP
ajiss-357	53	4	regulating	regulate	VERB
ajiss-357	53	5	islamic	islamic	ADJ
ajiss-357	53	6	banks	bank	NOUN
ajiss-357	53	7	there	there	PRON
ajiss-357	53	8	are	be	VERB
ajiss-357	53	9	many	many	ADJ
ajiss-357	53	10	differing	differ	VERB
ajiss-357	53	11	opinions	opinion	NOUN
ajiss-357	53	12	on	on	ADP
ajiss-357	53	13	regulation	regulation	NOUN
ajiss-357	53	14	and	and	CCONJ
ajiss-357	53	15	deregulation	deregulation	NOUN
ajiss-357	53	16	.	.	PUNCT
ajiss-357	54	1	proponents	proponent	NOUN
ajiss-357	54	2	of	of	ADP
ajiss-357	54	3	regulation	regulation	NOUN
ajiss-357	54	4	constantly	constantly	ADV
ajiss-357	54	5	point	point	VERB
ajiss-357	54	6	to	to	ADP
ajiss-357	54	7	the	the	DET
ajiss-357	54	8	moral	moral	ADJ
ajiss-357	54	9	hazards	hazard	NOUN
ajiss-357	54	10	resulting	result	VERB
ajiss-357	54	11	from	from	ADP
ajiss-357	54	12	safety	safety	NOUN
ajiss-357	54	13	-	-	PUNCT
ajiss-357	54	14	net	net	ADJ
ajiss-357	54	15	arrangements	arrangement	NOUN
ajiss-357	54	16	(	(	PUNCT
ajiss-357	54	17	a	a	DET
ajiss-357	54	18	regulatory	regulatory	ADJ
ajiss-357	54	19	problem	problem	NOUN
ajiss-357	54	20	)	)	PUNCT
ajiss-357	54	21	as	as	ADP
ajiss-357	54	22	the	the	DET
ajiss-357	54	23	root	root	NOUN
ajiss-357	54	24	cause	cause	NOUN
ajiss-357	54	25	of	of	ADP
ajiss-357	54	26	bank	bank	PROPN
ajiss-357	54	27	hassan	hassan	PROPN
ajiss-357	54	28	and	and	CCONJ
ajiss-357	54	29	chowdhury	chowdhury	PROPN
ajiss-357	54	30	:	:	PUNCT
ajiss-357	54	31	islamic	islamic	ADJ
ajiss-357	54	32	banking	banking	NOUN
ajiss-357	54	33	regulations	regulation	NOUN
ajiss-357	54	34	77	77	NUM
ajiss-357	54	35	ajiss-27-1-final-obay.qxp	ajiss-27-1-final-obay.qxp	PROPN
ajiss-357	54	36	6/9/2010	6/9/2010	NOUN
ajiss-357	54	37	4:06	4:06	NUM
ajiss-357	54	38	pm	pm	NOUN
ajiss-357	54	39	page	page	NOUN
ajiss-357	54	40	77	77	NUM
ajiss-357	54	41	pdf	pdf	NOUN
ajiss-357	54	42	created	create	VERB
ajiss-357	54	43	with	with	ADP
ajiss-357	54	44	pdffactory	pdffactory	ADJ
ajiss-357	54	45	pro	pro	ADJ
ajiss-357	54	46	trial	trial	NOUN
ajiss-357	54	47	version	version	NOUN
ajiss-357	54	48	www.pdffactory.com	www.pdffactory.com	X
ajiss-357	54	49	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	54	50	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	55	1	failure.3	failure.3	VERB
ajiss-357	55	2	other	other	ADJ
ajiss-357	55	3	proponents	proponent	NOUN
ajiss-357	55	4	opine	opine	VERB
ajiss-357	55	5	that	that	PRON
ajiss-357	55	6	regulation	regulation	NOUN
ajiss-357	55	7	can	can	AUX
ajiss-357	55	8	not	not	PART
ajiss-357	55	9	solve	solve	VERB
ajiss-357	55	10	the	the	DET
ajiss-357	55	11	problems	problem	NOUN
ajiss-357	55	12	of	of	ADP
ajiss-357	55	13	market	market	NOUN
ajiss-357	55	14	failure	failure	NOUN
ajiss-357	55	15	and	and	CCONJ
ajiss-357	55	16	imperfections	imperfection	NOUN
ajiss-357	55	17	without	without	ADP
ajiss-357	55	18	imposing	impose	VERB
ajiss-357	55	19	costs	cost	NOUN
ajiss-357	55	20	on	on	ADP
ajiss-357	55	21	consumers	consumer	NOUN
ajiss-357	55	22	that	that	PRON
ajiss-357	55	23	exceed	exceed	VERB
ajiss-357	55	24	the	the	DET
ajiss-357	55	25	cost	cost	NOUN
ajiss-357	55	26	of	of	ADP
ajiss-357	55	27	the	the	DET
ajiss-357	55	28	original	original	ADJ
ajiss-357	55	29	problem	problem	NOUN
ajiss-357	55	30	;	;	PUNCT
ajiss-357	55	31	still	still	ADV
ajiss-357	55	32	others	other	NOUN
ajiss-357	55	33	maintain	maintain	VERB
ajiss-357	55	34	that	that	SCONJ
ajiss-357	55	35	financial	financial	ADJ
ajiss-357	55	36	systems	system	NOUN
ajiss-357	55	37	are	be	AUX
ajiss-357	55	38	prone	prone	ADJ
ajiss-357	55	39	to	to	ADP
ajiss-357	55	40	periods	period	NOUN
ajiss-357	55	41	of	of	ADP
ajiss-357	55	42	instability	instability	NOUN
ajiss-357	55	43	coupled	couple	VERB
ajiss-357	55	44	with	with	ADP
ajiss-357	55	45	painful	painful	ADJ
ajiss-357	55	46	and	and	CCONJ
ajiss-357	55	47	pricey	pricey	ADJ
ajiss-357	55	48	bank	bank	NOUN
ajiss-357	55	49	failures	failure	NOUN
ajiss-357	55	50	.	.	PUNCT
ajiss-357	56	1	the	the	DET
ajiss-357	56	2	asian	asian	ADJ
ajiss-357	56	3	banking	banking	NOUN
ajiss-357	56	4	crisis	crisis	NOUN
ajiss-357	56	5	of	of	ADP
ajiss-357	56	6	1996	1996	NUM
ajiss-357	56	7	-	-	SYM
ajiss-357	56	8	97	97	NUM
ajiss-357	56	9	,	,	PUNCT
ajiss-357	56	10	which	which	PRON
ajiss-357	56	11	was	be	AUX
ajiss-357	56	12	due	due	ADJ
ajiss-357	56	13	to	to	ADP
ajiss-357	56	14	poor	poor	ADJ
ajiss-357	56	15	regulation	regulation	NOUN
ajiss-357	56	16	and	and	CCONJ
ajiss-357	56	17	weak	weak	ADJ
ajiss-357	56	18	management	management	NOUN
ajiss-357	56	19	,	,	PUNCT
ajiss-357	56	20	strengthens	strengthen	VERB
ajiss-357	56	21	the	the	DET
ajiss-357	56	22	case	case	NOUN
ajiss-357	56	23	for	for	ADP
ajiss-357	56	24	prudential	prudential	ADJ
ajiss-357	56	25	regulation	regulation	NOUN
ajiss-357	56	26	in	in	ADP
ajiss-357	56	27	order	order	NOUN
ajiss-357	56	28	to	to	PART
ajiss-357	56	29	achieve	achieve	VERB
ajiss-357	56	30	enhanced	enhanced	ADJ
ajiss-357	56	31	economic	economic	ADJ
ajiss-357	56	32	cooperation	cooperation	NOUN
ajiss-357	56	33	,	,	PUNCT
ajiss-357	56	34	performance	performance	NOUN
ajiss-357	56	35	,	,	PUNCT
ajiss-357	56	36	stability	stability	NOUN
ajiss-357	56	37	,	,	PUNCT
ajiss-357	56	38	control	control	NOUN
ajiss-357	56	39	,	,	PUNCT
ajiss-357	56	40	and	and	CCONJ
ajiss-357	56	41	customer	customer	NOUN
ajiss-357	56	42	safety.4	safety.4	VERB
ajiss-357	56	43	financial	financial	ADJ
ajiss-357	56	44	regulation	regulation	NOUN
ajiss-357	56	45	for	for	ADP
ajiss-357	56	46	ifis	ifis	NOUN
ajiss-357	56	47	should	should	AUX
ajiss-357	56	48	seek	seek	VERB
ajiss-357	56	49	to	to	PART
ajiss-357	56	50	determine	determine	VERB
ajiss-357	56	51	if	if	SCONJ
ajiss-357	56	52	their	their	PRON
ajiss-357	56	53	contracts	contract	NOUN
ajiss-357	56	54	and	and	CCONJ
ajiss-357	56	55	operations	operation	NOUN
ajiss-357	56	56	are	be	AUX
ajiss-357	56	57	consistent	consistent	ADJ
ajiss-357	56	58	with	with	ADP
ajiss-357	56	59	the	the	DET
ajiss-357	56	60	shari`ah	shari`ah	PROPN
ajiss-357	56	61	.	.	PUNCT
ajiss-357	56	62	llewellyn	llewellyn	PROPN
ajiss-357	56	63	lists	list	VERB
ajiss-357	56	64	several	several	ADJ
ajiss-357	56	65	economic	economic	ADJ
ajiss-357	56	66	rationales	rationale	NOUN
ajiss-357	56	67	for	for	ADP
ajiss-357	56	68	regulating	regulate	VERB
ajiss-357	56	69	and	and	CCONJ
ajiss-357	56	70	supervising	supervise	VERB
ajiss-357	56	71	banking	banking	NOUN
ajiss-357	56	72	and	and	CCONJ
ajiss-357	56	73	financial	financial	ADJ
ajiss-357	56	74	services	service	NOUN
ajiss-357	56	75	:	:	PUNCT
ajiss-357	56	76	potential	potential	ADJ
ajiss-357	56	77	systemic	systemic	ADJ
ajiss-357	56	78	problems	problem	NOUN
ajiss-357	56	79	associated	associate	VERB
ajiss-357	56	80	with	with	ADP
ajiss-357	56	81	externalities	externality	NOUN
ajiss-357	56	82	;	;	PUNCT
ajiss-357	56	83	the	the	DET
ajiss-357	56	84	correction	correction	NOUN
ajiss-357	56	85	of	of	ADP
ajiss-357	56	86	market	market	NOUN
ajiss-357	56	87	imperfections	imperfection	NOUN
ajiss-357	56	88	and	and	CCONJ
ajiss-357	56	89	failures	failure	NOUN
ajiss-357	56	90	;	;	PUNCT
ajiss-357	56	91	the	the	DET
ajiss-357	56	92	need	need	NOUN
ajiss-357	56	93	for	for	ADP
ajiss-357	56	94	monitoring	monitor	VERB
ajiss-357	56	95	financial	financial	ADJ
ajiss-357	56	96	firms	firm	NOUN
ajiss-357	56	97	and	and	CCONJ
ajiss-357	56	98	the	the	DET
ajiss-357	56	99	economies	economy	NOUN
ajiss-357	56	100	of	of	ADP
ajiss-357	56	101	scale	scale	NOUN
ajiss-357	56	102	that	that	PRON
ajiss-357	56	103	exist	exist	VERB
ajiss-357	56	104	in	in	ADP
ajiss-357	56	105	this	this	DET
ajiss-357	56	106	activity	activity	NOUN
ajiss-357	56	107	;	;	PUNCT
ajiss-357	56	108	the	the	DET
ajiss-357	56	109	need	need	NOUN
ajiss-357	56	110	for	for	ADP
ajiss-357	56	111	consumer	consumer	NOUN
ajiss-357	56	112	confidence	confidence	NOUN
ajiss-357	56	113	,	,	PUNCT
ajiss-357	56	114	especially	especially	ADV
ajiss-357	56	115	if	if	SCONJ
ajiss-357	56	116	consumer	consumer	NOUN
ajiss-357	56	117	demand	demand	NOUN
ajiss-357	56	118	for	for	ADP
ajiss-357	56	119	banking	banking	NOUN
ajiss-357	56	120	services	service	NOUN
ajiss-357	56	121	may	may	AUX
ajiss-357	56	122	be	be	AUX
ajiss-357	56	123	reduced	reduce	VERB
ajiss-357	56	124	by	by	ADP
ajiss-357	56	125	the	the	DET
ajiss-357	56	126	known	know	VERB
ajiss-357	56	127	existence	existence	NOUN
ajiss-357	56	128	of	of	ADP
ajiss-357	56	129	asymmetric	asymmetric	ADJ
ajiss-357	56	130	information	information	NOUN
ajiss-357	56	131	;	;	PUNCT
ajiss-357	56	132	the	the	DET
ajiss-357	56	133	potential	potential	NOUN
ajiss-357	56	134	for	for	ADP
ajiss-357	56	135	gridlock	gridlock	NOUN
ajiss-357	56	136	with	with	ADP
ajiss-357	56	137	associated	associated	ADJ
ajiss-357	56	138	adverse	adverse	ADJ
ajiss-357	56	139	selection	selection	NOUN
ajiss-357	56	140	and	and	CCONJ
ajiss-357	56	141	moral	moral	ADJ
ajiss-357	56	142	hazard	hazard	NOUN
ajiss-357	56	143	problems	problem	NOUN
ajiss-357	56	144	.	.	PUNCT
ajiss-357	57	1	one	one	NUM
ajiss-357	57	2	role	role	NOUN
ajiss-357	57	3	for	for	ADP
ajiss-357	57	4	regulation	regulation	NOUN
ajiss-357	57	5	,	,	PUNCT
ajiss-357	57	6	therefore	therefore	ADV
ajiss-357	57	7	,	,	PUNCT
ajiss-357	57	8	is	be	AUX
ajiss-357	57	9	to	to	PART
ajiss-357	57	10	ensure	ensure	VERB
ajiss-357	57	11	the	the	DET
ajiss-357	57	12	common	common	ADJ
ajiss-357	57	13	minimum	minimum	NOUN
ajiss-357	57	14	standards	standard	NOUN
ajiss-357	57	15	that	that	PRON
ajiss-357	57	16	all	all	DET
ajiss-357	57	17	firms	firm	NOUN
ajiss-357	57	18	know	know	VERB
ajiss-357	57	19	will	will	AUX
ajiss-357	57	20	be	be	AUX
ajiss-357	57	21	applied	apply	VERB
ajiss-357	57	22	equally	equally	ADV
ajiss-357	57	23	to	to	ADP
ajiss-357	57	24	all	all	DET
ajiss-357	57	25	competitors	competitor	NOUN
ajiss-357	57	26	without	without	ADP
ajiss-357	57	27	any	any	DET
ajiss-357	57	28	firm	firm	NOUN
ajiss-357	57	29	acting	act	VERB
ajiss-357	57	30	to	to	PART
ajiss-357	57	31	follow	follow	VERB
ajiss-357	57	32	the	the	DET
ajiss-357	57	33	behavior	behavior	NOUN
ajiss-357	57	34	of	of	ADP
ajiss-357	57	35	the	the	DET
ajiss-357	57	36	competitors	competitor	NOUN
ajiss-357	57	37	;	;	PUNCT
ajiss-357	57	38	the	the	DET
ajiss-357	57	39	moral	moral	ADJ
ajiss-357	57	40	hazard	hazard	NOUN
ajiss-357	57	41	associated	associate	VERB
ajiss-357	57	42	with	with	ADP
ajiss-357	57	43	a	a	DET
ajiss-357	57	44	government	government	NOUN
ajiss-357	57	45	’s	’s	PART
ajiss-357	57	46	clear	clear	ADJ
ajiss-357	57	47	preference	preference	NOUN
ajiss-357	57	48	for	for	ADP
ajiss-357	57	49	creating	create	VERB
ajiss-357	57	50	safety	safety	NOUN
ajiss-357	57	51	net	net	ADJ
ajiss-357	57	52	arrangements	arrangement	NOUN
ajiss-357	57	53	:	:	PUNCT
ajiss-357	57	54	the	the	DET
ajiss-357	57	55	“	"	PUNCT
ajiss-357	57	56	lender	lender	NOUN
ajiss-357	57	57	of	of	ADP
ajiss-357	57	58	last	last	ADJ
ajiss-357	57	59	resort	resort	NOUN
ajiss-357	57	60	,	,	PUNCT
ajiss-357	57	61	”	"	PUNCT
ajiss-357	57	62	deposit	deposit	NOUN
ajiss-357	57	63	insurance	insurance	NOUN
ajiss-357	57	64	,	,	PUNCT
ajiss-357	57	65	and	and	CCONJ
ajiss-357	57	66	compensation	compensation	NOUN
ajiss-357	57	67	schemes	scheme	NOUN
ajiss-357	57	68	;	;	PUNCT
ajiss-357	57	69	and	and	CCONJ
ajiss-357	57	70	consumer	consumer	NOUN
ajiss-357	57	71	demand	demand	NOUN
ajiss-357	57	72	for	for	ADP
ajiss-357	57	73	regulation	regulation	NOUN
ajiss-357	57	74	to	to	PART
ajiss-357	57	75	gain	gain	VERB
ajiss-357	57	76	a	a	DET
ajiss-357	57	77	degree	degree	NOUN
ajiss-357	57	78	of	of	ADP
ajiss-357	57	79	revealed	reveal	VERB
ajiss-357	57	80	preference	preference	NOUN
ajiss-357	57	81	for	for	ADP
ajiss-357	57	82	assurance	assurance	NOUN
ajiss-357	57	83	and	and	CCONJ
ajiss-357	57	84	lower	low	ADJ
ajiss-357	57	85	transaction	transaction	NOUN
ajiss-357	57	86	costs.5	costs.5	ADV
ajiss-357	57	87	usually	usually	ADV
ajiss-357	57	88	,	,	PUNCT
ajiss-357	57	89	two	two	NUM
ajiss-357	57	90	generic	generic	ADJ
ajiss-357	57	91	types	type	NOUN
ajiss-357	57	92	of	of	ADP
ajiss-357	57	93	regulation	regulation	NOUN
ajiss-357	57	94	and	and	CCONJ
ajiss-357	57	95	supervision	supervision	NOUN
ajiss-357	57	96	in	in	ADP
ajiss-357	57	97	the	the	DET
ajiss-357	57	98	banking	banking	NOUN
ajiss-357	57	99	arena	arena	NOUN
ajiss-357	57	100	can	can	AUX
ajiss-357	57	101	be	be	AUX
ajiss-357	57	102	identified	identify	VERB
ajiss-357	57	103	:	:	PUNCT
ajiss-357	57	104	prudential	prudential	ADJ
ajiss-357	57	105	regulation	regulation	NOUN
ajiss-357	57	106	,	,	PUNCT
ajiss-357	57	107	which	which	PRON
ajiss-357	57	108	focuses	focus	VERB
ajiss-357	57	109	on	on	ADP
ajiss-357	57	110	the	the	DET
ajiss-357	57	111	financial	financial	ADJ
ajiss-357	57	112	institutions	institution	NOUN
ajiss-357	57	113	’	'	PUNCT
ajiss-357	57	114	solvency	solvency	NOUN
ajiss-357	57	115	,	,	PUNCT
ajiss-357	57	116	safety	safety	NOUN
ajiss-357	57	117	,	,	PUNCT
ajiss-357	57	118	and	and	CCONJ
ajiss-357	57	119	soundness	soundness	NOUN
ajiss-357	57	120	;	;	PUNCT
ajiss-357	57	121	and	and	CCONJ
ajiss-357	57	122	the	the	DET
ajiss-357	57	123	conduct	conduct	NOUN
ajiss-357	57	124	of	of	ADP
ajiss-357	57	125	business	business	NOUN
ajiss-357	57	126	regulation	regulation	NOUN
ajiss-357	57	127	,	,	PUNCT
ajiss-357	57	128	which	which	PRON
ajiss-357	57	129	focuses	focus	VERB
ajiss-357	57	130	on	on	ADP
ajiss-357	57	131	how	how	SCONJ
ajiss-357	57	132	financial	financial	ADJ
ajiss-357	57	133	firms	firm	NOUN
ajiss-357	57	134	conduct	conduct	VERB
ajiss-357	57	135	business	business	NOUN
ajiss-357	57	136	.	.	PUNCT
ajiss-357	58	1	as	as	SCONJ
ajiss-357	58	2	a	a	DET
ajiss-357	58	3	bank	bank	NOUN
ajiss-357	58	4	’s	’s	PART
ajiss-357	58	5	failure	failure	NOUN
ajiss-357	58	6	may	may	AUX
ajiss-357	58	7	have	have	VERB
ajiss-357	58	8	an	an	DET
ajiss-357	58	9	adverse	adverse	ADJ
ajiss-357	58	10	contagion	contagion	NOUN
ajiss-357	58	11	effect	effect	NOUN
ajiss-357	58	12	,	,	PUNCT
ajiss-357	58	13	regulators	regulator	NOUN
ajiss-357	58	14	are	be	AUX
ajiss-357	58	15	almost	almost	ADV
ajiss-357	58	16	inevitably	inevitably	ADV
ajiss-357	58	17	bound	bind	VERB
ajiss-357	58	18	to	to	PART
ajiss-357	58	19	have	have	VERB
ajiss-357	58	20	a	a	DET
ajiss-357	58	21	prudential	prudential	ADJ
ajiss-357	58	22	concern	concern	NOUN
ajiss-357	58	23	for	for	ADP
ajiss-357	58	24	the	the	DET
ajiss-357	58	25	financial	financial	ADJ
ajiss-357	58	26	institutions	institution	NOUN
ajiss-357	58	27	’	'	PUNCT
ajiss-357	58	28	liquidity	liquidity	NOUN
ajiss-357	58	29	,	,	PUNCT
ajiss-357	58	30	solvency	solvency	NOUN
ajiss-357	58	31	,	,	PUNCT
ajiss-357	58	32	and	and	CCONJ
ajiss-357	58	33	riskiness	riskiness	NOUN
ajiss-357	58	34	.	.	PUNCT
ajiss-357	59	1	the	the	DET
ajiss-357	59	2	conduct	conduct	NOUN
ajiss-357	59	3	of	of	ADP
ajiss-357	59	4	business	business	NOUN
ajiss-357	59	5	regulation	regulation	NOUN
ajiss-357	59	6	,	,	PUNCT
ajiss-357	59	7	however	however	ADV
ajiss-357	59	8	,	,	PUNCT
ajiss-357	59	9	focuses	focus	VERB
ajiss-357	59	10	upon	upon	SCONJ
ajiss-357	59	11	these	these	DET
ajiss-357	59	12	functions	function	NOUN
ajiss-357	59	13	irrespective	irrespective	ADV
ajiss-357	59	14	of	of	ADP
ajiss-357	59	15	the	the	DET
ajiss-357	59	16	type	type	NOUN
ajiss-357	59	17	of	of	ADP
ajiss-357	59	18	firm.6	firm.6	NOUN
ajiss-357	59	19	regulation	regulation	NOUN
ajiss-357	59	20	for	for	ADP
ajiss-357	59	21	systemic	systemic	ADJ
ajiss-357	59	22	reasons	reason	NOUN
ajiss-357	59	23	is	be	AUX
ajiss-357	59	24	warranted	warrant	VERB
ajiss-357	59	25	when	when	SCONJ
ajiss-357	59	26	the	the	DET
ajiss-357	59	27	social	social	ADJ
ajiss-357	59	28	costs	cost	NOUN
ajiss-357	59	29	of	of	ADP
ajiss-357	59	30	a	a	DET
ajiss-357	59	31	bank	bank	NOUN
ajiss-357	59	32	’s	’s	PART
ajiss-357	59	33	failure	failure	NOUN
ajiss-357	59	34	exceed	exceed	VERB
ajiss-357	59	35	the	the	DET
ajiss-357	59	36	private	private	ADJ
ajiss-357	59	37	costs	cost	NOUN
ajiss-357	59	38	and	and	CCONJ
ajiss-357	59	39	such	such	ADJ
ajiss-357	59	40	potential	potential	ADJ
ajiss-357	59	41	social	social	ADJ
ajiss-357	59	42	costs	cost	NOUN
ajiss-357	59	43	are	be	AUX
ajiss-357	59	44	not	not	PART
ajiss-357	59	45	incorporated	incorporate	VERB
ajiss-357	59	46	into	into	ADP
ajiss-357	59	47	the	the	DET
ajiss-357	59	48	firm	firm	NOUN
ajiss-357	59	49	’s	’s	PART
ajiss-357	59	50	decision	decision	NOUN
ajiss-357	59	51	-	-	PUNCT
ajiss-357	59	52	making	make	VERB
ajiss-357	59	53	process	process	NOUN
ajiss-357	59	54	.	.	PUNCT
ajiss-357	60	1	in	in	ADP
ajiss-357	60	2	such	such	DET
ajiss-357	60	3	a	a	DET
ajiss-357	60	4	case	case	NOUN
ajiss-357	60	5	,	,	PUNCT
ajiss-357	60	6	banks	bank	NOUN
ajiss-357	60	7	may	may	AUX
ajiss-357	60	8	be	be	AUX
ajiss-357	60	9	induced	induce	VERB
ajiss-357	60	10	to	to	PART
ajiss-357	60	11	engage	engage	VERB
ajiss-357	60	12	in	in	ADP
ajiss-357	60	13	more	more	ADV
ajiss-357	60	14	risky	risky	ADJ
ajiss-357	60	15	behavior	behavior	NOUN
ajiss-357	60	16	than	than	SCONJ
ajiss-357	60	17	they	they	PRON
ajiss-357	60	18	would	would	AUX
ajiss-357	60	19	be	be	AUX
ajiss-357	60	20	if	if	SCONJ
ajiss-357	60	21	all	all	DET
ajiss-357	60	22	risks	risk	NOUN
ajiss-357	60	23	,	,	PUNCT
ajiss-357	60	24	including	include	VERB
ajiss-357	60	25	those	those	PRON
ajiss-357	60	26	for	for	ADP
ajiss-357	60	27	the	the	DET
ajiss-357	60	28	system	system	NOUN
ajiss-357	60	29	as	as	ADP
ajiss-357	60	30	a	a	DET
ajiss-357	60	31	whole	whole	NOUN
ajiss-357	60	32	,	,	PUNCT
ajiss-357	60	33	were	be	AUX
ajiss-357	60	34	incorporated	incorporate	VERB
ajiss-357	60	35	into	into	ADP
ajiss-357	60	36	their	their	PRON
ajiss-357	60	37	pricing.7	pricing.7	ADJ
ajiss-357	60	38	78	78	NUM
ajiss-357	60	39	the	the	DET
ajiss-357	60	40	american	american	ADJ
ajiss-357	60	41	journal	journal	PROPN
ajiss-357	60	42	of	of	ADP
ajiss-357	60	43	islamic	islamic	ADJ
ajiss-357	60	44	social	social	PROPN
ajiss-357	60	45	sciences	sciences	PROPN
ajiss-357	60	46	27:1	27:1	NUM
ajiss-357	60	47	ajiss-27-1-final-obay.qxp	ajiss-27-1-final-obay.qxp	PROPN
ajiss-357	60	48	6/9/2010	6/9/2010	NUM
ajiss-357	60	49	4:06	4:06	NUM
ajiss-357	60	50	pm	pm	NOUN
ajiss-357	60	51	page	page	NOUN
ajiss-357	60	52	78	78	NUM
ajiss-357	60	53	pdf	pdf	NOUN
ajiss-357	60	54	created	create	VERB
ajiss-357	60	55	with	with	ADP
ajiss-357	60	56	pdffactory	pdffactory	ADJ
ajiss-357	60	57	pro	pro	ADJ
ajiss-357	60	58	trial	trial	NOUN
ajiss-357	60	59	version	version	NOUN
ajiss-357	60	60	www.pdffactory.com	www.pdffactory.com	X
ajiss-357	60	61	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	60	62	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	61	1	systemic	systemic	ADJ
ajiss-357	61	2	issues	issue	NOUN
ajiss-357	61	3	have	have	AUX
ajiss-357	61	4	traditionally	traditionally	ADV
ajiss-357	61	5	been	be	AUX
ajiss-357	61	6	central	central	ADJ
ajiss-357	61	7	to	to	ADP
ajiss-357	61	8	bank	bank	NOUN
ajiss-357	61	9	regulation	regulation	NOUN
ajiss-357	61	10	based	base	VERB
ajiss-357	61	11	on	on	ADP
ajiss-357	61	12	four	four	NUM
ajiss-357	61	13	main	main	ADJ
ajiss-357	61	14	considerations	consideration	NOUN
ajiss-357	61	15	:	:	PUNCT
ajiss-357	61	16	the	the	DET
ajiss-357	61	17	banks	bank	NOUN
ajiss-357	61	18	’	’	PART
ajiss-357	61	19	pivotal	pivotal	ADJ
ajiss-357	61	20	position	position	NOUN
ajiss-357	61	21	in	in	ADP
ajiss-357	61	22	the	the	DET
ajiss-357	61	23	financial	financial	ADJ
ajiss-357	61	24	system	system	NOUN
ajiss-357	61	25	,	,	PUNCT
ajiss-357	61	26	especially	especially	ADV
ajiss-357	61	27	in	in	ADP
ajiss-357	61	28	the	the	DET
ajiss-357	61	29	clearing	clearing	NOUN
ajiss-357	61	30	and	and	CCONJ
ajiss-357	61	31	payment	payment	NOUN
ajiss-357	61	32	systems	system	NOUN
ajiss-357	61	33	;	;	PUNCT
ajiss-357	61	34	the	the	DET
ajiss-357	61	35	potential	potential	ADJ
ajiss-357	61	36	systemic	systemic	ADJ
ajiss-357	61	37	dangers	danger	NOUN
ajiss-357	61	38	resulting	result	VERB
ajiss-357	61	39	from	from	ADP
ajiss-357	61	40	bank	bank	NOUN
ajiss-357	61	41	runs	run	NOUN
ajiss-357	61	42	;	;	PUNCT
ajiss-357	61	43	the	the	DET
ajiss-357	61	44	nature	nature	NOUN
ajiss-357	61	45	of	of	ADP
ajiss-357	61	46	a	a	DET
ajiss-357	61	47	bank	bank	NOUN
ajiss-357	61	48	’s	’s	PART
ajiss-357	61	49	debt	debt	NOUN
ajiss-357	61	50	contracts	contract	NOUN
ajiss-357	61	51	on	on	ADP
ajiss-357	61	52	both	both	DET
ajiss-357	61	53	sides	side	NOUN
ajiss-357	61	54	of	of	ADP
ajiss-357	61	55	the	the	DET
ajiss-357	61	56	islamic	islamic	PROPN
ajiss-357	61	57	bank	bank	PROPN
ajiss-357	61	58	’s	’s	PART
ajiss-357	61	59	balance	balance	NOUN
ajiss-357	61	60	sheet	sheet	NOUN
ajiss-357	61	61	;	;	PUNCT
ajiss-357	61	62	and	and	CCONJ
ajiss-357	61	63	the	the	DET
ajiss-357	61	64	adverse	adverse	ADJ
ajiss-357	61	65	selection	selection	NOUN
ajiss-357	61	66	and	and	CCONJ
ajiss-357	61	67	moral	moral	ADJ
ajiss-357	61	68	hazard	hazard	NOUN
ajiss-357	61	69	associated	associate	VERB
ajiss-357	61	70	with	with	ADP
ajiss-357	61	71	safety	safety	NOUN
ajiss-357	61	72	-	-	PUNCT
ajiss-357	61	73	net	net	ADJ
ajiss-357	61	74	arrangements	arrangement	NOUN
ajiss-357	61	75	.	.	PUNCT
ajiss-357	62	1	prudential	prudential	ADJ
ajiss-357	62	2	regulation	regulation	PROPN
ajiss-357	62	3	and	and	CCONJ
ajiss-357	62	4	supervision	supervision	NOUN
ajiss-357	62	5	enable	enable	VERB
ajiss-357	62	6	consumers	consumer	NOUN
ajiss-357	62	7	to	to	PART
ajiss-357	62	8	judge	judge	VERB
ajiss-357	62	9	the	the	DET
ajiss-357	62	10	financial	financial	ADJ
ajiss-357	62	11	firm	firm	NOUN
ajiss-357	62	12	’s	’s	PART
ajiss-357	62	13	safety	safety	NOUN
ajiss-357	62	14	and	and	CCONJ
ajiss-357	62	15	soundness	soundness	NOUN
ajiss-357	62	16	before	before	ADP
ajiss-357	62	17	and	and	CCONJ
ajiss-357	62	18	after	after	ADP
ajiss-357	62	19	the	the	DET
ajiss-357	62	20	execution	execution	NOUN
ajiss-357	62	21	of	of	ADP
ajiss-357	62	22	a	a	DET
ajiss-357	62	23	contract	contract	NOUN
ajiss-357	62	24	,	,	PUNCT
ajiss-357	62	25	provide	provide	VERB
ajiss-357	62	26	perfect	perfect	ADJ
ajiss-357	62	27	information	information	NOUN
ajiss-357	62	28	,	,	PUNCT
ajiss-357	62	29	and	and	CCONJ
ajiss-357	62	30	guard	guard	VERB
ajiss-357	62	31	against	against	ADP
ajiss-357	62	32	moral	moral	ADJ
ajiss-357	62	33	hazard.8	hazard.8	PROPN
ajiss-357	62	34	from	from	ADP
ajiss-357	62	35	the	the	DET
ajiss-357	62	36	foregoing	foregoing	NOUN
ajiss-357	62	37	,	,	PUNCT
ajiss-357	62	38	it	it	PRON
ajiss-357	62	39	is	be	AUX
ajiss-357	62	40	evident	evident	ADJ
ajiss-357	62	41	that	that	SCONJ
ajiss-357	62	42	any	any	DET
ajiss-357	62	43	financial	financial	ADJ
ajiss-357	62	44	regulation	regulation	NOUN
ajiss-357	62	45	superstructure	superstructure	NOUN
ajiss-357	62	46	is	be	AUX
ajiss-357	62	47	premised	premise	VERB
ajiss-357	62	48	on	on	ADP
ajiss-357	62	49	cfis	cfis	PROPN
ajiss-357	62	50	.	.	PUNCT
ajiss-357	63	1	the	the	DET
ajiss-357	63	2	key	key	ADJ
ajiss-357	63	3	regulatory	regulatory	ADJ
ajiss-357	63	4	questions	question	NOUN
ajiss-357	63	5	for	for	ADP
ajiss-357	63	6	ifis	ifis	NOUN
ajiss-357	63	7	are	be	AUX
ajiss-357	63	8	:	:	PUNCT
ajiss-357	63	9	do	do	AUX
ajiss-357	63	10	islamic	islamic	ADJ
ajiss-357	63	11	banks	bank	NOUN
ajiss-357	63	12	need	need	VERB
ajiss-357	63	13	to	to	PART
ajiss-357	63	14	be	be	AUX
ajiss-357	63	15	regulated	regulate	VERB
ajiss-357	63	16	;	;	PUNCT
ajiss-357	63	17	if	if	SCONJ
ajiss-357	63	18	so	so	ADV
ajiss-357	63	19	,	,	PUNCT
ajiss-357	63	20	is	be	AUX
ajiss-357	63	21	a	a	DET
ajiss-357	63	22	different	different	ADJ
ajiss-357	63	23	type	type	NOUN
ajiss-357	63	24	of	of	ADP
ajiss-357	63	25	regulation	regulation	NOUN
ajiss-357	63	26	needed	need	VERB
ajiss-357	63	27	;	;	PUNCT
ajiss-357	63	28	and	and	CCONJ
ajiss-357	63	29	is	be	AUX
ajiss-357	63	30	less	less	ADJ
ajiss-357	63	31	reliance	reliance	NOUN
ajiss-357	63	32	to	to	PART
ajiss-357	63	33	be	be	AUX
ajiss-357	63	34	placed	place	VERB
ajiss-357	63	35	on	on	ADP
ajiss-357	63	36	formal	formal	ADJ
ajiss-357	63	37	regulation	regulation	NOUN
ajiss-357	63	38	and	and	CCONJ
ajiss-357	63	39	more	more	ADJ
ajiss-357	63	40	on	on	ADP
ajiss-357	63	41	market	market	NOUN
ajiss-357	63	42	discipline	discipline	NOUN
ajiss-357	63	43	?	?	PUNCT
ajiss-357	64	1	islamic	islamic	ADJ
ajiss-357	64	2	banks	bank	NOUN
ajiss-357	64	3	have	have	VERB
ajiss-357	64	4	a	a	DET
ajiss-357	64	5	different	different	ADJ
ajiss-357	64	6	set	set	NOUN
ajiss-357	64	7	of	of	ADP
ajiss-357	64	8	contracts	contract	NOUN
ajiss-357	64	9	and	and	CCONJ
ajiss-357	64	10	range	range	NOUN
ajiss-357	64	11	of	of	ADP
ajiss-357	64	12	risks	risk	NOUN
ajiss-357	64	13	than	than	ADP
ajiss-357	64	14	conventional	conventional	ADJ
ajiss-357	64	15	banks	bank	NOUN
ajiss-357	64	16	.	.	PUNCT
ajiss-357	65	1	in	in	ADP
ajiss-357	65	2	extreme	extreme	ADJ
ajiss-357	65	3	cases	case	NOUN
ajiss-357	65	4	,	,	PUNCT
ajiss-357	65	5	it	it	PRON
ajiss-357	65	6	is	be	AUX
ajiss-357	65	7	argued	argue	VERB
ajiss-357	65	8	that	that	SCONJ
ajiss-357	65	9	islamic	islamic	ADJ
ajiss-357	65	10	banks	bank	NOUN
ajiss-357	65	11	will	will	AUX
ajiss-357	65	12	have	have	VERB
ajiss-357	65	13	only	only	ADV
ajiss-357	65	14	equity	equity	NOUN
ajiss-357	65	15	capital	capital	NOUN
ajiss-357	65	16	and	and	CCONJ
ajiss-357	65	17	investment	investment	NOUN
ajiss-357	65	18	deposits	deposit	NOUN
ajiss-357	65	19	on	on	ADP
ajiss-357	65	20	the	the	DET
ajiss-357	65	21	liabilities	liability	NOUN
ajiss-357	65	22	side	side	NOUN
ajiss-357	65	23	of	of	ADP
ajiss-357	65	24	the	the	DET
ajiss-357	65	25	balance	balance	NOUN
ajiss-357	65	26	sheet	sheet	NOUN
ajiss-357	65	27	.	.	PUNCT
ajiss-357	66	1	therefore	therefore	ADV
ajiss-357	66	2	they	they	PRON
ajiss-357	66	3	would	would	AUX
ajiss-357	66	4	not	not	PART
ajiss-357	66	5	need	need	VERB
ajiss-357	66	6	to	to	PART
ajiss-357	66	7	hold	hold	VERB
ajiss-357	66	8	regulatory	regulatory	ADJ
ajiss-357	66	9	capital	capital	NOUN
ajiss-357	66	10	,	,	PUNCT
ajiss-357	66	11	because	because	SCONJ
ajiss-357	66	12	while	while	SCONJ
ajiss-357	66	13	the	the	DET
ajiss-357	66	14	value	value	NOUN
ajiss-357	66	15	of	of	ADP
ajiss-357	66	16	assets	asset	NOUN
ajiss-357	66	17	remains	remain	VERB
ajiss-357	66	18	uncertain	uncertain	ADJ
ajiss-357	66	19	there	there	PRON
ajiss-357	66	20	is	be	VERB
ajiss-357	66	21	no	no	DET
ajiss-357	66	22	conflict	conflict	NOUN
ajiss-357	66	23	of	of	ADP
ajiss-357	66	24	contracts	contract	NOUN
ajiss-357	66	25	,	,	PUNCT
ajiss-357	66	26	since	since	SCONJ
ajiss-357	66	27	the	the	DET
ajiss-357	66	28	banks	bank	NOUN
ajiss-357	66	29	are	be	AUX
ajiss-357	66	30	not	not	PART
ajiss-357	66	31	required	require	VERB
ajiss-357	66	32	to	to	PART
ajiss-357	66	33	guarantee	guarantee	VERB
ajiss-357	66	34	the	the	DET
ajiss-357	66	35	nominal	nominal	ADJ
ajiss-357	66	36	value	value	NOUN
ajiss-357	66	37	of	of	ADP
ajiss-357	66	38	their	their	PRON
ajiss-357	66	39	liabilities	liability	NOUN
ajiss-357	66	40	.	.	PUNCT
ajiss-357	67	1	in	in	ADP
ajiss-357	67	2	this	this	DET
ajiss-357	67	3	extreme	extreme	ADJ
ajiss-357	67	4	model	model	NOUN
ajiss-357	67	5	and	and	CCONJ
ajiss-357	67	6	unlike	unlike	ADP
ajiss-357	67	7	cfis	cfis	NOUN
ajiss-357	67	8	,	,	PUNCT
ajiss-357	67	9	depositors	depositor	NOUN
ajiss-357	67	10	share	share	VERB
ajiss-357	67	11	in	in	ADP
ajiss-357	67	12	the	the	DET
ajiss-357	67	13	banks	bank	NOUN
ajiss-357	67	14	’	’	PART
ajiss-357	67	15	profits	profit	NOUN
ajiss-357	67	16	and	and	CCONJ
ajiss-357	67	17	losses	loss	NOUN
ajiss-357	67	18	,	,	PUNCT
ajiss-357	67	19	which	which	PRON
ajiss-357	67	20	makes	make	VERB
ajiss-357	67	21	such	such	ADJ
ajiss-357	67	22	banks	bank	NOUN
ajiss-357	67	23	analogous	analogous	ADJ
ajiss-357	67	24	to	to	ADP
ajiss-357	67	25	mutual	mutual	ADJ
ajiss-357	67	26	funds	fund	NOUN
ajiss-357	67	27	.	.	PUNCT
ajiss-357	68	1	the	the	DET
ajiss-357	68	2	problem	problem	NOUN
ajiss-357	68	3	of	of	ADP
ajiss-357	68	4	money	money	NOUN
ajiss-357	68	5	-	-	PUNCT
ajiss-357	68	6	uncertain	uncertain	ADJ
ajiss-357	68	7	assets	asset	NOUN
ajiss-357	68	8	being	be	AUX
ajiss-357	68	9	funded	fund	VERB
ajiss-357	68	10	by	by	ADP
ajiss-357	68	11	moneycertain	moneycertain	NOUN
ajiss-357	68	12	liabilities	liability	NOUN
ajiss-357	68	13	is	be	AUX
ajiss-357	68	14	thereby	thereby	ADV
ajiss-357	68	15	entirely	entirely	ADV
ajiss-357	68	16	avoided	avoid	VERB
ajiss-357	68	17	.	.	PUNCT
ajiss-357	69	1	this	this	PRON
ajiss-357	69	2	amounts	amount	VERB
ajiss-357	69	3	to	to	ADP
ajiss-357	69	4	pure	pure	ADJ
ajiss-357	69	5	islamic	islamic	ADJ
ajiss-357	69	6	banks	bank	NOUN
ajiss-357	69	7	being	be	AUX
ajiss-357	69	8	less	less	ADV
ajiss-357	69	9	susceptible	susceptible	ADJ
ajiss-357	69	10	to	to	ADP
ajiss-357	69	11	any	any	DET
ajiss-357	69	12	risk	risk	NOUN
ajiss-357	69	13	of	of	ADP
ajiss-357	69	14	insolvency.9	insolvency.9	PROPN
ajiss-357	69	15	yet	yet	ADV
ajiss-357	69	16	this	this	DET
ajiss-357	69	17	extreme	extreme	ADJ
ajiss-357	69	18	version	version	NOUN
ajiss-357	69	19	does	do	AUX
ajiss-357	69	20	not	not	PART
ajiss-357	69	21	exist	exist	VERB
ajiss-357	69	22	,	,	PUNCT
ajiss-357	69	23	and	and	CCONJ
ajiss-357	69	24	thus	thus	ADV
ajiss-357	69	25	there	there	PRON
ajiss-357	69	26	are	be	VERB
ajiss-357	69	27	many	many	ADJ
ajiss-357	69	28	reasons	reason	NOUN
ajiss-357	69	29	for	for	ADP
ajiss-357	69	30	the	the	DET
ajiss-357	69	31	prudential	prudential	ADJ
ajiss-357	69	32	,	,	PUNCT
ajiss-357	69	33	solvency	solvency	NOUN
ajiss-357	69	34	,	,	PUNCT
ajiss-357	69	35	and	and	CCONJ
ajiss-357	69	36	capital	capital	NOUN
ajiss-357	69	37	adequacy	adequacy	NOUN
ajiss-357	69	38	regulation	regulation	NOUN
ajiss-357	69	39	of	of	ADP
ajiss-357	69	40	islamic	islamic	ADJ
ajiss-357	69	41	banks	bank	NOUN
ajiss-357	69	42	,	,	PUNCT
ajiss-357	69	43	among	among	ADP
ajiss-357	69	44	them	they	PRON
ajiss-357	69	45	the	the	DET
ajiss-357	69	46	following	following	NOUN
ajiss-357	69	47	:	:	PUNCT
ajiss-357	69	48	(	(	PUNCT
ajiss-357	69	49	a	a	X
ajiss-357	69	50	)	)	PUNCT
ajiss-357	69	51	demand	demand	NOUN
ajiss-357	69	52	deposit	deposit	NOUN
ajiss-357	69	53	holders	holder	NOUN
ajiss-357	69	54	face	face	VERB
ajiss-357	69	55	a	a	DET
ajiss-357	69	56	risk	risk	NOUN
ajiss-357	69	57	to	to	ADP
ajiss-357	69	58	the	the	DET
ajiss-357	69	59	extent	extent	NOUN
ajiss-357	69	60	that	that	SCONJ
ajiss-357	69	61	the	the	DET
ajiss-357	69	62	bank	bank	NOUN
ajiss-357	69	63	’s	’s	PART
ajiss-357	69	64	losses	loss	NOUN
ajiss-357	69	65	on	on	ADP
ajiss-357	69	66	pls	pls	NOUN
ajiss-357	69	67	contracts	contract	NOUN
ajiss-357	69	68	may	may	AUX
ajiss-357	69	69	be	be	AUX
ajiss-357	69	70	substantial	substantial	ADJ
ajiss-357	69	71	and	and	CCONJ
ajiss-357	69	72	greater	great	ADJ
ajiss-357	69	73	than	than	ADP
ajiss-357	69	74	the	the	DET
ajiss-357	69	75	value	value	NOUN
ajiss-357	69	76	of	of	ADP
ajiss-357	69	77	the	the	DET
ajiss-357	69	78	investment	investment	NOUN
ajiss-357	69	79	deposits	deposit	NOUN
ajiss-357	69	80	.	.	PUNCT
ajiss-357	70	1	(	(	PUNCT
ajiss-357	70	2	b	b	X
ajiss-357	70	3	)	)	PUNCT
ajiss-357	70	4	while	while	SCONJ
ajiss-357	70	5	investment	investment	NOUN
ajiss-357	70	6	deposit	deposit	NOUN
ajiss-357	70	7	holders	holder	NOUN
ajiss-357	70	8	are	be	AUX
ajiss-357	70	9	not	not	PART
ajiss-357	70	10	legally	legally	ADV
ajiss-357	70	11	entitled	entitle	VERB
ajiss-357	70	12	to	to	ADP
ajiss-357	70	13	repayment	repayment	NOUN
ajiss-357	70	14	,	,	PUNCT
ajiss-357	70	15	it	it	PRON
ajiss-357	70	16	is	be	AUX
ajiss-357	70	17	unlikely	unlikely	ADJ
ajiss-357	70	18	that	that	SCONJ
ajiss-357	70	19	they	they	PRON
ajiss-357	70	20	will	will	AUX
ajiss-357	70	21	supply	supply	VERB
ajiss-357	70	22	funds	fund	NOUN
ajiss-357	70	23	on	on	ADP
ajiss-357	70	24	the	the	DET
ajiss-357	70	25	basis	basis	NOUN
ajiss-357	70	26	of	of	ADP
ajiss-357	70	27	this	this	DET
ajiss-357	70	28	contract	contract	NOUN
ajiss-357	70	29	if	if	SCONJ
ajiss-357	70	30	the	the	DET
ajiss-357	70	31	bank	bank	NOUN
ajiss-357	70	32	’s	’s	PART
ajiss-357	70	33	capital	capital	NOUN
ajiss-357	70	34	is	be	AUX
ajiss-357	70	35	very	very	ADV
ajiss-357	70	36	low	low	ADJ
ajiss-357	70	37	and	and	CCONJ
ajiss-357	70	38	if	if	SCONJ
ajiss-357	70	39	the	the	DET
ajiss-357	70	40	bank	bank	NOUN
ajiss-357	70	41	is	be	AUX
ajiss-357	70	42	not	not	PART
ajiss-357	70	43	regulated	regulate	VERB
ajiss-357	70	44	for	for	ADP
ajiss-357	70	45	prudential	prudential	ADJ
ajiss-357	70	46	reasons	reason	NOUN
ajiss-357	70	47	.	.	PUNCT
ajiss-357	71	1	(	(	PUNCT
ajiss-357	71	2	c	c	X
ajiss-357	71	3	)	)	PUNCT
ajiss-357	71	4	as	as	SCONJ
ajiss-357	71	5	investment	investment	NOUN
ajiss-357	71	6	deposits	deposit	NOUN
ajiss-357	71	7	can	can	AUX
ajiss-357	71	8	be	be	AUX
ajiss-357	71	9	withdrawn	withdraw	VERB
ajiss-357	71	10	,	,	PUNCT
ajiss-357	71	11	runs	run	VERB
ajiss-357	71	12	on	on	ADP
ajiss-357	71	13	islamic	islamic	ADJ
ajiss-357	71	14	banks	bank	NOUN
ajiss-357	71	15	and	and	CCONJ
ajiss-357	71	16	systemic	systemic	ADJ
ajiss-357	71	17	instability	instability	NOUN
ajiss-357	71	18	are	be	AUX
ajiss-357	71	19	possible	possible	ADJ
ajiss-357	71	20	,	,	PUNCT
ajiss-357	71	21	just	just	ADV
ajiss-357	71	22	as	as	SCONJ
ajiss-357	71	23	they	they	PRON
ajiss-357	71	24	are	be	AUX
ajiss-357	71	25	with	with	ADP
ajiss-357	71	26	cfis	cfis	PROPN
ajiss-357	71	27	.	.	PUNCT
ajiss-357	72	1	hassan	hassan	PROPN
ajiss-357	72	2	and	and	CCONJ
ajiss-357	72	3	chowdhury	chowdhury	PROPN
ajiss-357	72	4	:	:	PUNCT
ajiss-357	72	5	islamic	islamic	ADJ
ajiss-357	72	6	banking	banking	NOUN
ajiss-357	72	7	regulations	regulation	NOUN
ajiss-357	72	8	79	79	NUM
ajiss-357	72	9	ajiss-27-1-final-obay.qxp	ajiss-27-1-final-obay.qxp	NOUN
ajiss-357	72	10	6/9/2010	6/9/2010	NUM
ajiss-357	72	11	4:06	4:06	NUM
ajiss-357	72	12	pm	pm	NOUN
ajiss-357	72	13	page	page	NOUN
ajiss-357	72	14	79	79	NUM
ajiss-357	72	15	pdf	pdf	NOUN
ajiss-357	72	16	created	create	VERB
ajiss-357	72	17	with	with	ADP
ajiss-357	72	18	pdffactory	pdffactory	ADJ
ajiss-357	72	19	pro	pro	ADJ
ajiss-357	72	20	trial	trial	NOUN
ajiss-357	72	21	version	version	NOUN
ajiss-357	72	22	www.pdffactory.com	www.pdffactory.com	X
ajiss-357	72	23	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	72	24	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	73	1	80	80	NUM
ajiss-357	73	2	the	the	DET
ajiss-357	73	3	american	american	PROPN
ajiss-357	73	4	journal	journal	PROPN
ajiss-357	73	5	of	of	ADP
ajiss-357	73	6	islamic	islamic	ADJ
ajiss-357	73	7	social	social	PROPN
ajiss-357	73	8	sciences	science	NOUN
ajiss-357	73	9	27:1	27:1	NUM
ajiss-357	73	10	(	(	PUNCT
ajiss-357	73	11	d	d	X
ajiss-357	73	12	)	)	PUNCT
ajiss-357	73	13	if	if	SCONJ
ajiss-357	73	14	islamic	islamic	ADJ
ajiss-357	73	15	banks	bank	NOUN
ajiss-357	73	16	exist	exist	VERB
ajiss-357	73	17	alongside	alongside	ADP
ajiss-357	73	18	conventional	conventional	ADJ
ajiss-357	73	19	banks	bank	NOUN
ajiss-357	73	20	,	,	PUNCT
ajiss-357	73	21	they	they	PRON
ajiss-357	73	22	may	may	AUX
ajiss-357	73	23	be	be	AUX
ajiss-357	73	24	at	at	ADP
ajiss-357	73	25	a	a	DET
ajiss-357	73	26	competitive	competitive	ADJ
ajiss-357	73	27	disadvantage	disadvantage	NOUN
ajiss-357	73	28	if	if	SCONJ
ajiss-357	73	29	they	they	PRON
ajiss-357	73	30	are	be	AUX
ajiss-357	73	31	viewed	view	VERB
ajiss-357	73	32	as	as	ADP
ajiss-357	73	33	being	be	AUX
ajiss-357	73	34	insufficiently	insufficiently	ADV
ajiss-357	73	35	capitalized	capitalize	VERB
ajiss-357	73	36	and	and	CCONJ
ajiss-357	73	37	supervised	supervised	ADJ
ajiss-357	73	38	.	.	PUNCT
ajiss-357	74	1	(	(	PUNCT
ajiss-357	74	2	e	e	X
ajiss-357	74	3	)	)	PUNCT
ajiss-357	74	4	if	if	SCONJ
ajiss-357	74	5	islamic	islamic	ADJ
ajiss-357	74	6	banks	bank	NOUN
ajiss-357	74	7	are	be	AUX
ajiss-357	74	8	to	to	PART
ajiss-357	74	9	work	work	VERB
ajiss-357	74	10	in	in	ADP
ajiss-357	74	11	a	a	DET
ajiss-357	74	12	non	non	ADJ
ajiss-357	74	13	-	-	ADJ
ajiss-357	74	14	islamic	islamic	ADJ
ajiss-357	74	15	money	money	NOUN
ajiss-357	74	16	market	market	NOUN
ajiss-357	74	17	and	and	CCONJ
ajiss-357	74	18	depend	depend	VERB
ajiss-357	74	19	on	on	ADP
ajiss-357	74	20	the	the	DET
ajiss-357	74	21	inter	inter	ADJ
ajiss-357	74	22	-	-	ADJ
ajiss-357	74	23	bank	bank	ADJ
ajiss-357	74	24	market	market	NOUN
ajiss-357	74	25	for	for	ADP
ajiss-357	74	26	funding	funding	NOUN
ajiss-357	74	27	,	,	PUNCT
ajiss-357	74	28	they	they	PRON
ajiss-357	74	29	are	be	AUX
ajiss-357	74	30	required	require	VERB
ajiss-357	74	31	to	to	PART
ajiss-357	74	32	demonstrate	demonstrate	VERB
ajiss-357	74	33	that	that	SCONJ
ajiss-357	74	34	they	they	PRON
ajiss-357	74	35	are	be	AUX
ajiss-357	74	36	regulated	regulate	VERB
ajiss-357	74	37	just	just	ADV
ajiss-357	74	38	as	as	ADV
ajiss-357	74	39	effectively	effectively	ADV
ajiss-357	74	40	as	as	ADP
ajiss-357	74	41	conventional	conventional	ADJ
ajiss-357	74	42	banks	bank	NOUN
ajiss-357	74	43	,	,	PUNCT
ajiss-357	74	44	which	which	PRON
ajiss-357	74	45	have	have	VERB
ajiss-357	74	46	to	to	PART
ajiss-357	74	47	meet	meet	VERB
ajiss-357	74	48	the	the	DET
ajiss-357	74	49	internationally	internationally	ADV
ajiss-357	74	50	agreed	agree	VERB
ajiss-357	74	51	-	-	PUNCT
ajiss-357	74	52	upon	upon	NOUN
ajiss-357	74	53	standards	standard	NOUN
ajiss-357	74	54	established	establish	VERB
ajiss-357	74	55	for	for	ADP
ajiss-357	74	56	them	they	PRON
ajiss-357	74	57	.	.	PUNCT
ajiss-357	75	1	host	host	NOUN
ajiss-357	75	2	country	country	NOUN
ajiss-357	75	3	regulators	regulator	NOUN
ajiss-357	75	4	will	will	AUX
ajiss-357	75	5	demand	demand	VERB
ajiss-357	75	6	effective	effective	ADJ
ajiss-357	75	7	and	and	CCONJ
ajiss-357	75	8	transparent	transparent	ADJ
ajiss-357	75	9	home	home	NOUN
ajiss-357	75	10	-	-	PUNCT
ajiss-357	75	11	country	country	NOUN
ajiss-357	75	12	regulation	regulation	NOUN
ajiss-357	75	13	and	and	CCONJ
ajiss-357	75	14	supervision	supervision	NOUN
ajiss-357	75	15	.	.	PUNCT
ajiss-357	76	1	(	(	PUNCT
ajiss-357	76	2	f	f	X
ajiss-357	76	3	)	)	PUNCT
ajiss-357	76	4	systemic	systemic	ADJ
ajiss-357	76	5	stability	stability	NOUN
ajiss-357	76	6	issues	issue	NOUN
ajiss-357	76	7	associated	associate	VERB
ajiss-357	76	8	with	with	ADP
ajiss-357	76	9	the	the	DET
ajiss-357	76	10	externalities	externality	NOUN
ajiss-357	76	11	of	of	ADP
ajiss-357	76	12	individual	individual	ADJ
ajiss-357	76	13	bank	bank	NOUN
ajiss-357	76	14	failure	failure	NOUN
ajiss-357	76	15	still	still	ADV
ajiss-357	76	16	apply	apply	VERB
ajiss-357	76	17	in	in	ADP
ajiss-357	76	18	islamic	islamic	ADJ
ajiss-357	76	19	banking	banking	NOUN
ajiss-357	76	20	,	,	PUNCT
ajiss-357	76	21	even	even	ADV
ajiss-357	76	22	in	in	ADP
ajiss-357	76	23	cases	case	NOUN
ajiss-357	76	24	where	where	SCONJ
ajiss-357	76	25	investment	investment	NOUN
ajiss-357	76	26	deposits	deposit	NOUN
ajiss-357	76	27	form	form	VERB
ajiss-357	76	28	a	a	DET
ajiss-357	76	29	high	high	ADJ
ajiss-357	76	30	proportion	proportion	NOUN
ajiss-357	76	31	of	of	ADP
ajiss-357	76	32	the	the	DET
ajiss-357	76	33	bank	bank	NOUN
ajiss-357	76	34	’s	’s	PART
ajiss-357	76	35	total	total	ADJ
ajiss-357	76	36	liabilities	liability	NOUN
ajiss-357	76	37	.	.	PUNCT
ajiss-357	77	1	in	in	ADP
ajiss-357	77	2	fact	fact	NOUN
ajiss-357	77	3	,	,	PUNCT
ajiss-357	77	4	the	the	DET
ajiss-357	77	5	lesser	less	ADJ
ajiss-357	77	6	ability	ability	NOUN
ajiss-357	77	7	of	of	ADP
ajiss-357	77	8	islamic	islamic	ADJ
ajiss-357	77	9	banks	bank	NOUN
ajiss-357	77	10	to	to	PART
ajiss-357	77	11	trade	trade	VERB
ajiss-357	77	12	assets	asset	NOUN
ajiss-357	77	13	makes	make	VERB
ajiss-357	77	14	the	the	DET
ajiss-357	77	15	potential	potential	ADJ
ajiss-357	77	16	systemic	systemic	ADJ
ajiss-357	77	17	cost	cost	NOUN
ajiss-357	77	18	of	of	ADP
ajiss-357	77	19	individual	individual	ADJ
ajiss-357	77	20	bank	bank	NOUN
ajiss-357	77	21	failure	failure	NOUN
ajiss-357	77	22	even	even	ADV
ajiss-357	77	23	higher	high	ADJ
ajiss-357	77	24	than	than	ADP
ajiss-357	77	25	for	for	ADP
ajiss-357	77	26	conventional	conventional	ADJ
ajiss-357	77	27	banks	bank	NOUN
ajiss-357	77	28	.	.	PUNCT
ajiss-357	78	1	(	(	PUNCT
ajiss-357	78	2	g	g	NOUN
ajiss-357	78	3	)	)	PUNCT
ajiss-357	78	4	the	the	DET
ajiss-357	78	5	centralized	centralized	ADJ
ajiss-357	78	6	supervision	supervision	NOUN
ajiss-357	78	7	by	by	ADP
ajiss-357	78	8	an	an	DET
ajiss-357	78	9	official	official	ADJ
ajiss-357	78	10	agency	agency	NOUN
ajiss-357	78	11	is	be	AUX
ajiss-357	78	12	likely	likely	ADJ
ajiss-357	78	13	to	to	PART
ajiss-357	78	14	raise	raise	VERB
ajiss-357	78	15	the	the	DET
ajiss-357	78	16	overall	overall	ADJ
ajiss-357	78	17	efficiency	efficiency	NOUN
ajiss-357	78	18	of	of	ADP
ajiss-357	78	19	the	the	DET
ajiss-357	78	20	powerful	powerful	ADJ
ajiss-357	78	21	mechanisms	mechanism	NOUN
ajiss-357	78	22	of	of	ADP
ajiss-357	78	23	market	market	NOUN
ajiss-357	78	24	discipline	discipline	NOUN
ajiss-357	78	25	and	and	CCONJ
ajiss-357	78	26	monitoring	monitoring	NOUN
ajiss-357	78	27	process	process	NOUN
ajiss-357	78	28	.	.	PUNCT
ajiss-357	79	1	(	(	PUNCT
ajiss-357	79	2	h	h	X
ajiss-357	79	3	)	)	PUNCT
ajiss-357	79	4	the	the	DET
ajiss-357	79	5	consumer	consumer	NOUN
ajiss-357	79	6	confidence	confidence	NOUN
ajiss-357	79	7	argument	argument	NOUN
ajiss-357	79	8	is	be	AUX
ajiss-357	79	9	equally	equally	ADV
ajiss-357	79	10	applicable	applicable	ADJ
ajiss-357	79	11	to	to	ADP
ajiss-357	79	12	islamic	islamic	ADJ
ajiss-357	79	13	banks	bank	NOUN
ajiss-357	79	14	.	.	PUNCT
ajiss-357	80	1	if	if	SCONJ
ajiss-357	80	2	there	there	PRON
ajiss-357	80	3	is	be	VERB
ajiss-357	80	4	a	a	DET
ajiss-357	80	5	consumer	consumer	NOUN
ajiss-357	80	6	demand	demand	NOUN
ajiss-357	80	7	for	for	ADP
ajiss-357	80	8	minimum	minimum	NOUN
ajiss-357	80	9	standards	standard	NOUN
ajiss-357	80	10	of	of	ADP
ajiss-357	80	11	capital	capital	NOUN
ajiss-357	80	12	adequacy	adequacy	NOUN
ajiss-357	80	13	and	and	CCONJ
ajiss-357	80	14	supervision	supervision	NOUN
ajiss-357	80	15	,	,	PUNCT
ajiss-357	80	16	it	it	PRON
ajiss-357	80	17	is	be	AUX
ajiss-357	80	18	rational	rational	ADJ
ajiss-357	80	19	to	to	PART
ajiss-357	80	20	meet	meet	VERB
ajiss-357	80	21	this	this	DET
ajiss-357	80	22	demand	demand	NOUN
ajiss-357	80	23	.	.	PUNCT
ajiss-357	81	1	(	(	PUNCT
ajiss-357	81	2	i	i	NOUN
ajiss-357	81	3	)	)	PUNCT
ajiss-357	81	4	the	the	DET
ajiss-357	81	5	adverse	adverse	ADJ
ajiss-357	81	6	selection	selection	NOUN
ajiss-357	81	7	and	and	CCONJ
ajiss-357	81	8	moral	moral	ADJ
ajiss-357	81	9	hazard	hazard	NOUN
ajiss-357	81	10	problems	problem	NOUN
ajiss-357	81	11	associated	associate	VERB
ajiss-357	81	12	with	with	ADP
ajiss-357	81	13	gridlock	gridlock	NOUN
ajiss-357	81	14	also	also	ADV
ajiss-357	81	15	apply	apply	VERB
ajiss-357	81	16	to	to	ADP
ajiss-357	81	17	islamic	islamic	ADJ
ajiss-357	81	18	banks	bank	NOUN
ajiss-357	81	19	.	.	PUNCT
ajiss-357	82	1	(	(	PUNCT
ajiss-357	82	2	j	j	NOUN
ajiss-357	82	3	)	)	PUNCT
ajiss-357	82	4	conventional	conventional	ADJ
ajiss-357	82	5	banks	bank	NOUN
ajiss-357	82	6	can	can	AUX
ajiss-357	82	7	transfer	transfer	VERB
ajiss-357	82	8	asset	asset	NOUN
ajiss-357	82	9	or	or	CCONJ
ajiss-357	82	10	business	business	NOUN
ajiss-357	82	11	risks	risk	NOUN
ajiss-357	82	12	to	to	ADP
ajiss-357	82	13	shareholders	shareholder	NOUN
ajiss-357	82	14	,	,	PUNCT
ajiss-357	82	15	since	since	SCONJ
ajiss-357	82	16	such	such	ADJ
ajiss-357	82	17	risks	risk	NOUN
ajiss-357	82	18	are	be	AUX
ajiss-357	82	19	not	not	PART
ajiss-357	82	20	borne	bear	VERB
ajiss-357	82	21	by	by	ADP
ajiss-357	82	22	lenders	lender	NOUN
ajiss-357	82	23	.	.	PUNCT
ajiss-357	83	1	islamic	islamic	ADJ
ajiss-357	83	2	banks	bank	NOUN
ajiss-357	83	3	can	can	AUX
ajiss-357	83	4	not	not	PART
ajiss-357	83	5	do	do	VERB
ajiss-357	83	6	this	this	PRON
ajiss-357	83	7	,	,	PUNCT
ajiss-357	83	8	however	however	ADV
ajiss-357	83	9	,	,	PUNCT
ajiss-357	83	10	for	for	SCONJ
ajiss-357	83	11	they	they	PRON
ajiss-357	83	12	fully	fully	ADV
ajiss-357	83	13	recognize	recognize	VERB
ajiss-357	83	14	the	the	DET
ajiss-357	83	15	risks	risk	NOUN
ajiss-357	83	16	generated	generate	VERB
ajiss-357	83	17	by	by	ADP
ajiss-357	83	18	financial	financial	ADJ
ajiss-357	83	19	and	and	CCONJ
ajiss-357	83	20	commercial	commercial	ADJ
ajiss-357	83	21	factors	factor	NOUN
ajiss-357	83	22	and	and	CCONJ
ajiss-357	83	23	elements	element	NOUN
ajiss-357	83	24	extrinsic	extrinsic	ADJ
ajiss-357	83	25	to	to	ADP
ajiss-357	83	26	the	the	DET
ajiss-357	83	27	formation	formation	NOUN
ajiss-357	83	28	of	of	ADP
ajiss-357	83	29	the	the	DET
ajiss-357	83	30	business	business	NOUN
ajiss-357	83	31	transaction	transaction	NOUN
ajiss-357	83	32	,	,	PUNCT
ajiss-357	83	33	given	give	VERB
ajiss-357	83	34	that	that	SCONJ
ajiss-357	83	35	the	the	DET
ajiss-357	83	36	freedom	freedom	NOUN
ajiss-357	83	37	of	of	ADP
ajiss-357	83	38	contracts	contract	NOUN
ajiss-357	83	39	and	and	CCONJ
ajiss-357	83	40	prohibition	prohibition	NOUN
ajiss-357	83	41	of	of	ADP
ajiss-357	83	42	gharar	gharar	NOUN
ajiss-357	83	43	(	(	PUNCT
ajiss-357	83	44	deception	deception	NOUN
ajiss-357	83	45	)	)	PUNCT
ajiss-357	83	46	should	should	AUX
ajiss-357	83	47	be	be	AUX
ajiss-357	83	48	consistent	consistent	ADJ
ajiss-357	83	49	with	with	ADP
ajiss-357	83	50	the	the	DET
ajiss-357	83	51	shari`ah	shari`ah	PROPN
ajiss-357	83	52	.	.	PUNCT
ajiss-357	84	1	(	(	PUNCT
ajiss-357	84	2	k	k	X
ajiss-357	84	3	)	)	PUNCT
ajiss-357	84	4	unlike	unlike	ADP
ajiss-357	84	5	conventional	conventional	ADJ
ajiss-357	84	6	banks	bank	NOUN
ajiss-357	84	7	,	,	PUNCT
ajiss-357	84	8	credit	credit	NOUN
ajiss-357	84	9	and	and	CCONJ
ajiss-357	84	10	liquidity	liquidity	NOUN
ajiss-357	84	11	risks	risk	NOUN
ajiss-357	84	12	are	be	AUX
ajiss-357	84	13	higher	high	ADJ
ajiss-357	84	14	in	in	ADP
ajiss-357	84	15	ifis	ifis	NOUN
ajiss-357	84	16	since	since	SCONJ
ajiss-357	84	17	they	they	PRON
ajiss-357	84	18	can	can	AUX
ajiss-357	84	19	not	not	PART
ajiss-357	84	20	hold	hold	VERB
ajiss-357	84	21	cash	cash	NOUN
ajiss-357	84	22	equivalents	equivalent	NOUN
ajiss-357	84	23	(	(	PUNCT
ajiss-357	84	24	liquid	liquid	ADJ
ajiss-357	84	25	assets	asset	NOUN
ajiss-357	84	26	)	)	PUNCT
ajiss-357	84	27	like	like	ADP
ajiss-357	84	28	conventional	conventional	ADJ
ajiss-357	84	29	banks	bank	NOUN
ajiss-357	84	30	.	.	PUNCT
ajiss-357	85	1	once	once	ADV
ajiss-357	85	2	a	a	DET
ajiss-357	85	3	debt	debt	NOUN
ajiss-357	85	4	has	have	AUX
ajiss-357	85	5	been	be	AUX
ajiss-357	85	6	created	create	VERB
ajiss-357	85	7	,	,	PUNCT
ajiss-357	85	8	it	it	PRON
ajiss-357	85	9	can	can	AUX
ajiss-357	85	10	be	be	AUX
ajiss-357	85	11	transferred	transfer	VERB
ajiss-357	85	12	to	to	ADP
ajiss-357	85	13	someone	someone	PRON
ajiss-357	85	14	else	else	ADV
ajiss-357	85	15	only	only	ADV
ajiss-357	85	16	at	at	ADP
ajiss-357	85	17	par	par	NOUN
ajiss-357	85	18	value	value	NOUN
ajiss-357	85	19	.	.	PUNCT
ajiss-357	86	1	depositor	depositor	NOUN
ajiss-357	86	2	funds	fund	NOUN
ajiss-357	86	3	are	be	AUX
ajiss-357	86	4	either	either	CCONJ
ajiss-357	86	5	callable	callable	ADJ
ajiss-357	86	6	on	on	ADP
ajiss-357	86	7	demand	demand	NOUN
ajiss-357	86	8	or	or	CCONJ
ajiss-357	86	9	require	require	VERB
ajiss-357	86	10	very	very	ADV
ajiss-357	86	11	short	short	ADJ
ajiss-357	86	12	withdrawal	withdrawal	NOUN
ajiss-357	86	13	notice	notice	NOUN
ajiss-357	86	14	periods	period	NOUN
ajiss-357	86	15	.	.	PUNCT
ajiss-357	87	1	credit	credit	NOUN
ajiss-357	87	2	risk	risk	NOUN
ajiss-357	87	3	is	be	AUX
ajiss-357	87	4	expected	expect	VERB
ajiss-357	87	5	to	to	PART
ajiss-357	87	6	be	be	AUX
ajiss-357	87	7	high	high	ADJ
ajiss-357	87	8	under	under	ADP
ajiss-357	87	9	mudarabah	mudarabah	NOUN
ajiss-357	87	10	and	and	CCONJ
ajiss-357	87	11	musharakah	musharakah	PROPN
ajiss-357	87	12	contracts	contract	NOUN
ajiss-357	87	13	due	due	ADP
ajiss-357	87	14	to	to	ADP
ajiss-357	87	15	the	the	DET
ajiss-357	87	16	high	high	ADJ
ajiss-357	87	17	level	level	NOUN
ajiss-357	87	18	of	of	ADP
ajiss-357	87	19	moral	moral	ADJ
ajiss-357	87	20	hazard	hazard	NOUN
ajiss-357	87	21	,	,	PUNCT
ajiss-357	87	22	adverse	adverse	ADJ
ajiss-357	87	23	selection	selection	NOUN
ajiss-357	87	24	,	,	PUNCT
ajiss-357	87	25	and	and	CCONJ
ajiss-357	87	26	limited	limited	ADJ
ajiss-357	87	27	bank	bank	NOUN
ajiss-357	87	28	competencies	competency	NOUN
ajiss-357	87	29	in	in	ADP
ajiss-357	87	30	project	project	NOUN
ajiss-357	87	31	evaluation	evaluation	NOUN
ajiss-357	87	32	.	.	PUNCT
ajiss-357	88	1	ajiss-27-1-final-obay.qxp	ajiss-27-1-final-obay.qxp	PROPN
ajiss-357	89	1	6/9/2010	6/9/2010	NOUN
ajiss-357	89	2	4:06	4:06	NUM
ajiss-357	89	3	pm	pm	NOUN
ajiss-357	89	4	page	page	NOUN
ajiss-357	89	5	80	80	NUM
ajiss-357	89	6	pdf	pdf	NOUN
ajiss-357	89	7	created	create	VERB
ajiss-357	89	8	with	with	ADP
ajiss-357	89	9	pdffactory	pdffactory	ADJ
ajiss-357	89	10	pro	pro	ADJ
ajiss-357	89	11	trial	trial	NOUN
ajiss-357	89	12	version	version	NOUN
ajiss-357	89	13	www.pdffactory.com	www.pdffactory.com	X
ajiss-357	89	14	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	89	15	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	90	1	(	(	PUNCT
ajiss-357	90	2	l	l	NOUN
ajiss-357	90	3	)	)	PUNCT
ajiss-357	90	4	the	the	DET
ajiss-357	90	5	shari`ah	shari`ah	PROPN
ajiss-357	90	6	prohibits	prohibit	VERB
ajiss-357	90	7	islamic	islamic	ADJ
ajiss-357	90	8	banks	bank	NOUN
ajiss-357	90	9	from	from	ADP
ajiss-357	90	10	borrowing	borrow	VERB
ajiss-357	90	11	at	at	ADP
ajiss-357	90	12	short	short	ADJ
ajiss-357	90	13	notice	notice	NOUN
ajiss-357	90	14	by	by	ADP
ajiss-357	90	15	discounting	discount	VERB
ajiss-357	90	16	debt	debt	NOUN
ajiss-357	90	17	obligation	obligation	NOUN
ajiss-357	90	18	receivables	receivables	NOUN
ajiss-357	90	19	(	(	PUNCT
ajiss-357	90	20	e.g.	e.g.	ADV
ajiss-357	90	21	,	,	PUNCT
ajiss-357	90	22	through	through	ADP
ajiss-357	90	23	a	a	DET
ajiss-357	90	24	central	central	ADJ
ajiss-357	90	25	bank	bank	NOUN
ajiss-357	90	26	discount	discount	NOUN
ajiss-357	90	27	window	window	NOUN
ajiss-357	90	28	)	)	PUNCT
ajiss-357	90	29	.	.	PUNCT
ajiss-357	91	1	in	in	ADP
ajiss-357	91	2	addition	addition	NOUN
ajiss-357	91	3	,	,	PUNCT
ajiss-357	91	4	central	central	ADJ
ajiss-357	91	5	banks	bank	NOUN
ajiss-357	91	6	do	do	AUX
ajiss-357	91	7	not	not	PART
ajiss-357	91	8	offer	offer	VERB
ajiss-357	91	9	a	a	DET
ajiss-357	91	10	“	"	PUNCT
ajiss-357	91	11	lender	lender	NOUN
ajiss-357	91	12	of	of	ADP
ajiss-357	91	13	last	last	ADJ
ajiss-357	91	14	resort	resort	NOUN
ajiss-357	91	15	”	"	PUNCT
ajiss-357	91	16	facility	facility	NOUN
ajiss-357	91	17	and	and	CCONJ
ajiss-357	91	18	offer	offer	VERB
ajiss-357	91	19	no	no	DET
ajiss-357	91	20	deposit	deposit	NOUN
ajiss-357	91	21	insurance	insurance	NOUN
ajiss-357	91	22	schemes	scheme	NOUN
ajiss-357	91	23	to	to	PART
ajiss-357	91	24	guarantee	guarantee	VERB
ajiss-357	91	25	depositor	depositor	NOUN
ajiss-357	91	26	capital	capital	NOUN
ajiss-357	91	27	.	.	PUNCT
ajiss-357	92	1	this	this	PRON
ajiss-357	92	2	means	mean	VERB
ajiss-357	92	3	that	that	SCONJ
ajiss-357	92	4	islamic	islamic	ADJ
ajiss-357	92	5	banks	bank	NOUN
ajiss-357	92	6	can	can	AUX
ajiss-357	92	7	not	not	PART
ajiss-357	92	8	tie	tie	VERB
ajiss-357	92	9	up	up	ADP
ajiss-357	92	10	their	their	PRON
ajiss-357	92	11	cash	cash	NOUN
ajiss-357	92	12	in	in	ADP
ajiss-357	92	13	illiquid	illiquid	ADJ
ajiss-357	92	14	long	long	ADJ
ajiss-357	92	15	-	-	PUNCT
ajiss-357	92	16	term	term	NOUN
ajiss-357	92	17	assets	asset	NOUN
ajiss-357	92	18	(	(	PUNCT
ajiss-357	92	19	e.g.	e.g.	ADV
ajiss-357	92	20	,	,	PUNCT
ajiss-357	92	21	ijarah	ijarah	PROPN
ajiss-357	92	22	,	,	PUNCT
ajiss-357	92	23	mudarabah	mudarabah	NOUN
ajiss-357	92	24	,	,	PUNCT
ajiss-357	92	25	or	or	CCONJ
ajiss-357	92	26	musharakah	musharakah	PROPN
ajiss-357	92	27	arrangements	arrangement	NOUN
ajiss-357	92	28	)	)	PUNCT
ajiss-357	92	29	.	.	PUNCT
ajiss-357	93	1	however	however	ADV
ajiss-357	93	2	,	,	PUNCT
ajiss-357	93	3	some	some	DET
ajiss-357	93	4	islamic	islamic	ADJ
ajiss-357	93	5	banks	bank	NOUN
ajiss-357	93	6	in	in	ADP
ajiss-357	93	7	bahrain	bahrain	NOUN
ajiss-357	93	8	do	do	AUX
ajiss-357	93	9	take	take	VERB
ajiss-357	93	10	into	into	ADP
ajiss-357	93	11	consideration	consideration	NOUN
ajiss-357	93	12	the	the	DET
ajiss-357	93	13	level	level	NOUN
ajiss-357	93	14	of	of	ADP
ajiss-357	93	15	liquidity	liquidity	NOUN
ajiss-357	93	16	on	on	ADP
ajiss-357	93	17	each	each	DET
ajiss-357	93	18	type	type	NOUN
ajiss-357	93	19	of	of	ADP
ajiss-357	93	20	account	account	NOUN
ajiss-357	93	21	(	(	PUNCT
ajiss-357	93	22	e.g.	e.g.	ADV
ajiss-357	93	23	,	,	PUNCT
ajiss-357	93	24	investment	investment	NOUN
ajiss-357	93	25	,	,	PUNCT
ajiss-357	93	26	savings	saving	NOUN
ajiss-357	93	27	,	,	PUNCT
ajiss-357	93	28	and	and	CCONJ
ajiss-357	93	29	current	current	ADJ
ajiss-357	93	30	)	)	PUNCT
ajiss-357	93	31	in	in	ADP
ajiss-357	93	32	order	order	NOUN
ajiss-357	93	33	to	to	PART
ajiss-357	93	34	meet	meet	VERB
ajiss-357	93	35	the	the	DET
ajiss-357	93	36	investor	investor	NOUN
ajiss-357	93	37	’s	’s	PART
ajiss-357	93	38	withdrawal	withdrawal	NOUN
ajiss-357	93	39	needs.10	needs.10	NOUN
ajiss-357	93	40	(	(	PUNCT
ajiss-357	93	41	m	m	NOUN
ajiss-357	93	42	)	)	PUNCT
ajiss-357	93	43	islamic	islamic	ADJ
ajiss-357	93	44	banks	bank	NOUN
ajiss-357	93	45	also	also	ADV
ajiss-357	93	46	face	face	VERB
ajiss-357	93	47	fiduciary	fiduciary	ADJ
ajiss-357	93	48	and	and	CCONJ
ajiss-357	93	49	displaced	displace	VERB
ajiss-357	93	50	commercial	commercial	ADJ
ajiss-357	93	51	risks.11	risks.11	NOUN
ajiss-357	93	52	fiduciary	fiduciary	ADJ
ajiss-357	93	53	risk	risk	NOUN
ajiss-357	93	54	is	be	AUX
ajiss-357	93	55	an	an	DET
ajiss-357	93	56	operational	operational	ADJ
ajiss-357	93	57	risk	risk	NOUN
ajiss-357	93	58	that	that	PRON
ajiss-357	93	59	refers	refer	VERB
ajiss-357	93	60	to	to	ADP
ajiss-357	93	61	a	a	DET
ajiss-357	93	62	breach	breach	NOUN
ajiss-357	93	63	of	of	ADP
ajiss-357	93	64	the	the	DET
ajiss-357	93	65	mudarabah	mudarabah	NOUN
ajiss-357	93	66	contract	contract	NOUN
ajiss-357	93	67	,	,	PUNCT
ajiss-357	93	68	or	or	CCONJ
ajiss-357	93	69	to	to	PART
ajiss-357	93	70	misconduct	misconduct	NOUN
ajiss-357	93	71	or	or	CCONJ
ajiss-357	93	72	negligence	negligence	NOUN
ajiss-357	93	73	on	on	ADP
ajiss-357	93	74	the	the	DET
ajiss-357	93	75	part	part	NOUN
ajiss-357	93	76	of	of	ADP
ajiss-357	93	77	the	the	DET
ajiss-357	93	78	bank	bank	NOUN
ajiss-357	93	79	(	(	PUNCT
ajiss-357	93	80	the	the	DET
ajiss-357	93	81	mudarib	mudarib	NOUN
ajiss-357	93	82	)	)	PUNCT
ajiss-357	93	83	,	,	PUNCT
ajiss-357	93	84	as	as	ADP
ajiss-357	93	85	a	a	DET
ajiss-357	93	86	result	result	NOUN
ajiss-357	93	87	of	of	ADP
ajiss-357	93	88	which	which	PRON
ajiss-357	93	89	the	the	DET
ajiss-357	93	90	mudarabah	mudarabah	NOUN
ajiss-357	93	91	fund	fund	NOUN
ajiss-357	93	92	becomes	become	VERB
ajiss-357	93	93	a	a	DET
ajiss-357	93	94	liability	liability	NOUN
ajiss-357	93	95	for	for	ADP
ajiss-357	93	96	the	the	DET
ajiss-357	93	97	bank	bank	NOUN
ajiss-357	93	98	.	.	PUNCT
ajiss-357	94	1	on	on	ADP
ajiss-357	94	2	the	the	DET
ajiss-357	94	3	other	other	ADJ
ajiss-357	94	4	hand	hand	NOUN
ajiss-357	94	5	,	,	PUNCT
ajiss-357	94	6	a	a	DET
ajiss-357	94	7	displaced	displace	VERB
ajiss-357	94	8	commercial	commercial	ADJ
ajiss-357	94	9	risk	risk	NOUN
ajiss-357	94	10	is	be	AUX
ajiss-357	94	11	a	a	DET
ajiss-357	94	12	market	market	NOUN
ajiss-357	94	13	risk	risk	NOUN
ajiss-357	94	14	that	that	PRON
ajiss-357	94	15	arises	arise	VERB
ajiss-357	94	16	from	from	ADP
ajiss-357	94	17	transferring	transfer	VERB
ajiss-357	94	18	the	the	DET
ajiss-357	94	19	risk	risk	NOUN
ajiss-357	94	20	associated	associate	VERB
ajiss-357	94	21	with	with	ADP
ajiss-357	94	22	deposits	deposit	NOUN
ajiss-357	94	23	to	to	ADP
ajiss-357	94	24	the	the	DET
ajiss-357	94	25	equity	equity	NOUN
ajiss-357	94	26	holder	holder	NOUN
ajiss-357	94	27	.	.	PUNCT
ajiss-357	95	1	this	this	PRON
ajiss-357	95	2	occurs	occur	VERB
ajiss-357	95	3	when	when	SCONJ
ajiss-357	95	4	banks	bank	NOUN
ajiss-357	95	5	forgo	forgo	VERB
ajiss-357	95	6	part	part	NOUN
ajiss-357	95	7	of	of	ADP
ajiss-357	95	8	the	the	DET
ajiss-357	95	9	mudarib	mudarib	NOUN
ajiss-357	95	10	’s	’s	PART
ajiss-357	95	11	share	share	NOUN
ajiss-357	95	12	of	of	ADP
ajiss-357	95	13	profit	profit	NOUN
ajiss-357	95	14	and	and	CCONJ
ajiss-357	95	15	transfer	transfer	VERB
ajiss-357	95	16	it	it	PRON
ajiss-357	95	17	to	to	ADP
ajiss-357	95	18	the	the	DET
ajiss-357	95	19	depositors	depositor	NOUN
ajiss-357	95	20	,	,	PUNCT
ajiss-357	95	21	under	under	ADP
ajiss-357	95	22	commercial	commercial	ADJ
ajiss-357	95	23	pressure	pressure	NOUN
ajiss-357	95	24	,	,	PUNCT
ajiss-357	95	25	to	to	PART
ajiss-357	95	26	prevent	prevent	VERB
ajiss-357	95	27	withdrawals	withdrawal	NOUN
ajiss-357	95	28	due	due	ADP
ajiss-357	95	29	to	to	ADP
ajiss-357	95	30	a	a	DET
ajiss-357	95	31	non	non	ADJ
ajiss-357	95	32	-	-	ADJ
ajiss-357	95	33	competitive	competitive	ADJ
ajiss-357	95	34	return	return	NOUN
ajiss-357	95	35	.	.	PUNCT
ajiss-357	96	1	the	the	DET
ajiss-357	96	2	rate	rate	NOUN
ajiss-357	96	3	of	of	ADP
ajiss-357	96	4	return	return	NOUN
ajiss-357	96	5	risk	risk	NOUN
ajiss-357	96	6	has	have	AUX
ajiss-357	96	7	been	be	AUX
ajiss-357	96	8	found	find	VERB
ajiss-357	96	9	to	to	PART
ajiss-357	96	10	be	be	AUX
ajiss-357	96	11	the	the	DET
ajiss-357	96	12	most	most	ADV
ajiss-357	96	13	critical	critical	ADJ
ajiss-357	96	14	risk	risk	NOUN
ajiss-357	96	15	for	for	ADP
ajiss-357	96	16	islamic	islamic	ADJ
ajiss-357	96	17	banks	bank	NOUN
ajiss-357	96	18	since	since	ADV
ajiss-357	96	19	,	,	PUNCT
ajiss-357	96	20	for	for	ADP
ajiss-357	96	21	example	example	NOUN
ajiss-357	96	22	,	,	PUNCT
ajiss-357	96	23	a	a	DET
ajiss-357	96	24	murabahah	murabahah	NOUN
ajiss-357	96	25	contract	contract	NOUN
ajiss-357	96	26	can	can	AUX
ajiss-357	96	27	not	not	PART
ajiss-357	96	28	be	be	AUX
ajiss-357	96	29	repriced	reprice	VERB
ajiss-357	96	30	and	and	CCONJ
ajiss-357	96	31	hedged	hedge	VERB
ajiss-357	96	32	through	through	ADP
ajiss-357	96	33	swaps.12	swaps.12	PROPN
ajiss-357	96	34	(	(	PUNCT
ajiss-357	96	35	n	n	CCONJ
ajiss-357	96	36	)	)	PUNCT
ajiss-357	96	37	the	the	DET
ajiss-357	96	38	lack	lack	NOUN
ajiss-357	96	39	of	of	ADP
ajiss-357	96	40	instruments	instrument	NOUN
ajiss-357	96	41	like	like	ADP
ajiss-357	96	42	short	short	ADJ
ajiss-357	96	43	-	-	PUNCT
ajiss-357	96	44	term	term	NOUN
ajiss-357	96	45	financial	financial	ADJ
ajiss-357	96	46	assets	asset	NOUN
ajiss-357	96	47	and	and	CCONJ
ajiss-357	96	48	derivatives	derivative	NOUN
ajiss-357	96	49	and	and	CCONJ
ajiss-357	96	50	a	a	DET
ajiss-357	96	51	money	money	NOUN
ajiss-357	96	52	market	market	NOUN
ajiss-357	96	53	,	,	PUNCT
ajiss-357	96	54	except	except	SCONJ
ajiss-357	96	55	in	in	ADP
ajiss-357	96	56	malaysia	malaysia	PROPN
ajiss-357	96	57	and	and	CCONJ
ajiss-357	96	58	some	some	PRON
ajiss-357	96	59	in	in	ADP
ajiss-357	96	60	bahrain	bahrain	NOUN
ajiss-357	96	61	,	,	PUNCT
ajiss-357	96	62	hampers	hamper	VERB
ajiss-357	96	63	risk	risk	NOUN
ajiss-357	96	64	management	management	NOUN
ajiss-357	96	65	in	in	ADP
ajiss-357	96	66	ifis.13	ifis.13	NOUN
ajiss-357	96	67	(	(	PUNCT
ajiss-357	96	68	o	o	NOUN
ajiss-357	96	69	)	)	PUNCT
ajiss-357	96	70	demand	demand	NOUN
ajiss-357	96	71	deposits	deposit	NOUN
ajiss-357	96	72	that	that	PRON
ajiss-357	96	73	do	do	AUX
ajiss-357	96	74	not	not	PART
ajiss-357	96	75	share	share	VERB
ajiss-357	96	76	in	in	ADP
ajiss-357	96	77	the	the	DET
ajiss-357	96	78	return	return	NOUN
ajiss-357	96	79	should	should	AUX
ajiss-357	96	80	be	be	AUX
ajiss-357	96	81	protected	protect	VERB
ajiss-357	96	82	from	from	ADP
ajiss-357	96	83	risk	risk	NOUN
ajiss-357	96	84	.	.	PUNCT
ajiss-357	97	1	islamic	islamic	ADJ
ajiss-357	97	2	banks	bank	NOUN
ajiss-357	97	3	should	should	AUX
ajiss-357	97	4	,	,	PUNCT
ajiss-357	97	5	therefore	therefore	ADV
ajiss-357	97	6	,	,	PUNCT
ajiss-357	97	7	ensure	ensure	VERB
ajiss-357	97	8	prudent	prudent	ADJ
ajiss-357	97	9	risk	risk	NOUN
ajiss-357	97	10	management	management	NOUN
ajiss-357	97	11	to	to	PART
ajiss-357	97	12	prevent	prevent	VERB
ajiss-357	97	13	mismanagement	mismanagement	NOUN
ajiss-357	97	14	and	and	CCONJ
ajiss-357	97	15	inefficient	inefficient	ADJ
ajiss-357	97	16	investment	investment	NOUN
ajiss-357	97	17	decisions	decision	NOUN
ajiss-357	97	18	.	.	PUNCT
ajiss-357	98	1	(	(	PUNCT
ajiss-357	98	2	p	p	X
ajiss-357	98	3	)	)	PUNCT
ajiss-357	98	4	islamic	islamic	ADJ
ajiss-357	98	5	banks	bank	NOUN
ajiss-357	98	6	must	must	AUX
ajiss-357	98	7	ensure	ensure	VERB
ajiss-357	98	8	their	their	PRON
ajiss-357	98	9	faithful	faithful	ADJ
ajiss-357	98	10	compliance	compliance	NOUN
ajiss-357	98	11	with	with	ADP
ajiss-357	98	12	the	the	DET
ajiss-357	98	13	shari`ah	shari`ah	PROPN
ajiss-357	98	14	,	,	PUNCT
ajiss-357	98	15	a	a	DET
ajiss-357	98	16	requirement	requirement	NOUN
ajiss-357	98	17	that	that	PRON
ajiss-357	98	18	is	be	AUX
ajiss-357	98	19	difficult	difficult	ADJ
ajiss-357	98	20	in	in	ADP
ajiss-357	98	21	the	the	DET
ajiss-357	98	22	absence	absence	NOUN
ajiss-357	98	23	of	of	ADP
ajiss-357	98	24	legal	legal	ADJ
ajiss-357	98	25	definitions	definition	NOUN
ajiss-357	98	26	and	and	CCONJ
ajiss-357	98	27	effective	effective	ADJ
ajiss-357	98	28	supervision	supervision	NOUN
ajiss-357	98	29	.	.	PUNCT
ajiss-357	99	1	(	(	PUNCT
ajiss-357	99	2	q	q	X
ajiss-357	99	3	)	)	PUNCT
ajiss-357	99	4	the	the	DET
ajiss-357	99	5	differences	difference	NOUN
ajiss-357	99	6	between	between	ADP
ajiss-357	99	7	ifis	ifis	PROPN
ajiss-357	99	8	and	and	CCONJ
ajiss-357	99	9	cfis	cfis	PROPN
ajiss-357	99	10	do	do	AUX
ajiss-357	99	11	not	not	PART
ajiss-357	99	12	lessen	lessen	VERB
ajiss-357	99	13	the	the	DET
ajiss-357	99	14	need	need	NOUN
ajiss-357	99	15	for	for	ADP
ajiss-357	99	16	appropriate	appropriate	ADJ
ajiss-357	99	17	regulation	regulation	NOUN
ajiss-357	99	18	and	and	CCONJ
ajiss-357	99	19	supervision	supervision	NOUN
ajiss-357	99	20	.	.	PUNCT
ajiss-357	100	1	measures	measure	NOUN
ajiss-357	100	2	like	like	ADP
ajiss-357	100	3	macro	macro	NOUN
ajiss-357	100	4	-	-	VERB
ajiss-357	100	5	managing	manage	VERB
ajiss-357	100	6	the	the	DET
ajiss-357	100	7	economy	economy	NOUN
ajiss-357	100	8	,	,	PUNCT
ajiss-357	100	9	as	as	ADV
ajiss-357	100	10	well	well	ADV
ajiss-357	100	11	as	as	ADP
ajiss-357	100	12	building	build	VERB
ajiss-357	100	13	adequate	adequate	ADJ
ajiss-357	100	14	loss	loss	NOUN
ajiss-357	100	15	-	-	PUNCT
ajiss-357	100	16	offsetting	offset	VERB
ajiss-357	100	17	reserves	reserve	NOUN
ajiss-357	100	18	and	and	CCONJ
ajiss-357	100	19	the	the	DET
ajiss-357	100	20	efficient	efficient	ADJ
ajiss-357	100	21	micro	micro	NOUN
ajiss-357	100	22	-	-	NOUN
ajiss-357	100	23	management	management	NOUN
ajiss-357	100	24	of	of	ADP
ajiss-357	100	25	banks	bank	NOUN
ajiss-357	100	26	under	under	ADP
ajiss-357	100	27	an	an	DET
ajiss-357	100	28	umbrella	umbrella	NOUN
ajiss-357	100	29	of	of	ADP
ajiss-357	100	30	proper	proper	ADJ
ajiss-357	100	31	regulation	regulation	NOUN
ajiss-357	100	32	and	and	CCONJ
ajiss-357	100	33	supervision	supervision	NOUN
ajiss-357	100	34	,	,	PUNCT
ajiss-357	100	35	are	be	AUX
ajiss-357	100	36	required	require	VERB
ajiss-357	100	37	to	to	PART
ajiss-357	100	38	safeguard	safeguard	VERB
ajiss-357	100	39	both	both	DET
ajiss-357	100	40	demand	demand	NOUN
ajiss-357	100	41	and	and	CCONJ
ajiss-357	100	42	investment	investment	NOUN
ajiss-357	100	43	deposits	deposit	NOUN
ajiss-357	100	44	.	.	PUNCT
ajiss-357	101	1	to	to	PART
ajiss-357	101	2	reinforce	reinforce	VERB
ajiss-357	101	3	these	these	DET
ajiss-357	101	4	measures	measure	NOUN
ajiss-357	101	5	,	,	PUNCT
ajiss-357	101	6	the	the	DET
ajiss-357	101	7	insuring	insuring	NOUN
ajiss-357	101	8	of	of	ADP
ajiss-357	101	9	demand	demand	NOUN
ajiss-357	101	10	deposits	deposit	NOUN
ajiss-357	101	11	should	should	AUX
ajiss-357	101	12	be	be	AUX
ajiss-357	101	13	required	require	VERB
ajiss-357	101	14	.	.	PUNCT
ajiss-357	102	1	hassan	hassan	PROPN
ajiss-357	102	2	and	and	CCONJ
ajiss-357	102	3	chowdhury	chowdhury	PROPN
ajiss-357	102	4	:	:	PUNCT
ajiss-357	102	5	islamic	islamic	ADJ
ajiss-357	102	6	banking	banking	NOUN
ajiss-357	102	7	regulations	regulation	NOUN
ajiss-357	102	8	81	81	NUM
ajiss-357	102	9	ajiss-27-1-final-obay.qxp	ajiss-27-1-final-obay.qxp	PROPN
ajiss-357	102	10	6/9/2010	6/9/2010	PROPN
ajiss-357	102	11	4:06	4:06	NUM
ajiss-357	102	12	pm	pm	NOUN
ajiss-357	102	13	page	page	NOUN
ajiss-357	102	14	81	81	NUM
ajiss-357	102	15	pdf	pdf	NOUN
ajiss-357	102	16	created	create	VERB
ajiss-357	102	17	with	with	ADP
ajiss-357	102	18	pdffactory	pdffactory	ADJ
ajiss-357	102	19	pro	pro	ADJ
ajiss-357	102	20	trial	trial	NOUN
ajiss-357	102	21	version	version	NOUN
ajiss-357	102	22	www.pdffactory.com	www.pdffactory.com	X
ajiss-357	102	23	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	102	24	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	103	1	(	(	PUNCT
ajiss-357	103	2	r	r	NOUN
ajiss-357	103	3	)	)	PUNCT
ajiss-357	103	4	if	if	SCONJ
ajiss-357	103	5	the	the	DET
ajiss-357	103	6	outstanding	outstanding	ADJ
ajiss-357	103	7	legal	legal	ADJ
ajiss-357	103	8	(	(	PUNCT
ajiss-357	103	9	fiqhi	fiqhi	NOUN
ajiss-357	103	10	)	)	PUNCT
ajiss-357	103	11	issues	issue	NOUN
ajiss-357	103	12	related	relate	VERB
ajiss-357	103	13	to	to	ADP
ajiss-357	103	14	finance	finance	NOUN
ajiss-357	103	15	are	be	AUX
ajiss-357	103	16	addressed	address	VERB
ajiss-357	103	17	satisfactorily	satisfactorily	ADV
ajiss-357	103	18	,	,	PUNCT
ajiss-357	103	19	compliance	compliance	NOUN
ajiss-357	103	20	with	with	ADP
ajiss-357	103	21	the	the	DET
ajiss-357	103	22	shari`ah	shari`ah	PROPN
ajiss-357	103	23	can	can	AUX
ajiss-357	103	24	be	be	AUX
ajiss-357	103	25	ensured	ensure	VERB
ajiss-357	103	26	.	.	PUNCT
ajiss-357	104	1	to	to	PART
ajiss-357	104	2	resolve	resolve	VERB
ajiss-357	104	3	these	these	DET
ajiss-357	104	4	issues	issue	NOUN
ajiss-357	104	5	a	a	DET
ajiss-357	104	6	legal	legal	ADJ
ajiss-357	104	7	framework	framework	NOUN
ajiss-357	104	8	must	must	AUX
ajiss-357	104	9	be	be	AUX
ajiss-357	104	10	prepared	prepare	VERB
ajiss-357	104	11	,	,	PUNCT
ajiss-357	104	12	one	one	NUM
ajiss-357	104	13	that	that	PRON
ajiss-357	104	14	can	can	AUX
ajiss-357	104	15	remove	remove	VERB
ajiss-357	104	16	obstacles	obstacle	NOUN
ajiss-357	104	17	that	that	PRON
ajiss-357	104	18	hinder	hinder	VERB
ajiss-357	104	19	the	the	DET
ajiss-357	104	20	development	development	NOUN
ajiss-357	104	21	of	of	ADP
ajiss-357	104	22	standardized	standardized	ADJ
ajiss-357	104	23	products	product	NOUN
ajiss-357	104	24	for	for	ADP
ajiss-357	104	25	islamic	islamic	ADJ
ajiss-357	104	26	institutions	institution	NOUN
ajiss-357	104	27	,	,	PUNCT
ajiss-357	104	28	penalize	penalize	VERB
ajiss-357	104	29	defaulters	defaulter	NOUN
ajiss-357	104	30	,	,	PUNCT
ajiss-357	104	31	compensate	compensate	VERB
ajiss-357	104	32	banks	bank	NOUN
ajiss-357	104	33	for	for	ADP
ajiss-357	104	34	the	the	DET
ajiss-357	104	35	loss	loss	NOUN
ajiss-357	104	36	of	of	ADP
ajiss-357	104	37	income	income	NOUN
ajiss-357	104	38	,	,	PUNCT
ajiss-357	104	39	and	and	CCONJ
ajiss-357	104	40	manage	manage	VERB
ajiss-357	104	41	risk	risk	NOUN
ajiss-357	104	42	more	more	ADV
ajiss-357	104	43	effectively	effectively	ADV
ajiss-357	104	44	by	by	ADP
ajiss-357	104	45	adopting	adopt	VERB
ajiss-357	104	46	certain	certain	ADJ
ajiss-357	104	47	standard	standard	ADJ
ajiss-357	104	48	techniques	technique	NOUN
ajiss-357	104	49	used	use	VERB
ajiss-357	104	50	by	by	ADP
ajiss-357	104	51	conventional	conventional	ADJ
ajiss-357	104	52	banks	bank	NOUN
ajiss-357	104	53	internationally	internationally	ADV
ajiss-357	104	54	.	.	PUNCT
ajiss-357	105	1	(	(	PUNCT
ajiss-357	105	2	s	s	X
ajiss-357	105	3	)	)	PUNCT
ajiss-357	105	4	the	the	DET
ajiss-357	105	5	issue	issue	NOUN
ajiss-357	105	6	of	of	ADP
ajiss-357	105	7	transparency	transparency	NOUN
ajiss-357	105	8	also	also	ADV
ajiss-357	105	9	demands	demand	VERB
ajiss-357	105	10	the	the	DET
ajiss-357	105	11	regulation	regulation	NOUN
ajiss-357	105	12	of	of	ADP
ajiss-357	105	13	islamic	islamic	ADJ
ajiss-357	105	14	banks	bank	NOUN
ajiss-357	105	15	.	.	PUNCT
ajiss-357	106	1	several	several	ADJ
ajiss-357	106	2	developments	development	NOUN
ajiss-357	106	3	underlie	underlie	VERB
ajiss-357	106	4	the	the	DET
ajiss-357	106	5	call	call	NOUN
ajiss-357	106	6	for	for	ADP
ajiss-357	106	7	improved	improved	ADJ
ajiss-357	106	8	transparency	transparency	NOUN
ajiss-357	106	9	,	,	PUNCT
ajiss-357	106	10	among	among	ADP
ajiss-357	106	11	them	they	PRON
ajiss-357	106	12	:	:	PUNCT
ajiss-357	106	13	(	(	PUNCT
ajiss-357	106	14	i	i	NOUN
ajiss-357	106	15	)	)	PUNCT
ajiss-357	106	16	banks	bank	NOUN
ajiss-357	106	17	are	be	AUX
ajiss-357	106	18	operating	operate	VERB
ajiss-357	106	19	in	in	ADP
ajiss-357	106	20	a	a	DET
ajiss-357	106	21	multidimensional	multidimensional	ADJ
ajiss-357	106	22	regulatory	regulatory	ADJ
ajiss-357	106	23	framework	framework	NOUN
ajiss-357	106	24	at	at	ADP
ajiss-357	106	25	home	home	NOUN
ajiss-357	106	26	and	and	CCONJ
ajiss-357	106	27	abroad	abroad	ADV
ajiss-357	106	28	;	;	PUNCT
ajiss-357	106	29	(	(	PUNCT
ajiss-357	106	30	ii	ii	NOUN
ajiss-357	106	31	)	)	PUNCT
ajiss-357	106	32	cross	cross	ADJ
ajiss-357	106	33	-	-	ADJ
ajiss-357	106	34	pillar	pillar	ADJ
ajiss-357	106	35	activity	activity	NOUN
ajiss-357	106	36	has	have	AUX
ajiss-357	106	37	increased	increase	VERB
ajiss-357	106	38	substantially	substantially	ADV
ajiss-357	106	39	;	;	PUNCT
ajiss-357	106	40	(	(	PUNCT
ajiss-357	106	41	iii	iii	X
ajiss-357	106	42	)	)	PUNCT
ajiss-357	106	43	customer	customer	NOUN
ajiss-357	106	44	expectation	expectation	NOUN
ajiss-357	106	45	and	and	CCONJ
ajiss-357	106	46	diversification	diversification	NOUN
ajiss-357	106	47	benefits	benefit	NOUN
ajiss-357	106	48	will	will	AUX
ajiss-357	106	49	compel	compel	VERB
ajiss-357	106	50	the	the	DET
ajiss-357	106	51	banks	bank	NOUN
ajiss-357	106	52	to	to	PART
ajiss-357	106	53	formulate	formulate	VERB
ajiss-357	106	54	new	new	ADJ
ajiss-357	106	55	services	service	NOUN
ajiss-357	106	56	,	,	PUNCT
ajiss-357	106	57	for	for	SCONJ
ajiss-357	106	58	the	the	DET
ajiss-357	106	59	existing	exist	VERB
ajiss-357	106	60	ones	one	NOUN
ajiss-357	106	61	have	have	AUX
ajiss-357	106	62	given	give	VERB
ajiss-357	106	63	way	way	NOUN
ajiss-357	106	64	to	to	ADP
ajiss-357	106	65	the	the	DET
ajiss-357	106	66	rise	rise	NOUN
ajiss-357	106	67	of	of	ADP
ajiss-357	106	68	a	a	DET
ajiss-357	106	69	highly	highly	ADV
ajiss-357	106	70	dynamic	dynamic	ADJ
ajiss-357	106	71	and	and	CCONJ
ajiss-357	106	72	complex	complex	ADJ
ajiss-357	106	73	banking	banking	NOUN
ajiss-357	106	74	governance	governance	NOUN
ajiss-357	106	75	structure	structure	NOUN
ajiss-357	106	76	.	.	PUNCT
ajiss-357	107	1	most	most	ADJ
ajiss-357	107	2	of	of	ADP
ajiss-357	107	3	the	the	DET
ajiss-357	107	4	above	above	ADJ
ajiss-357	107	5	characteristics	characteristic	NOUN
ajiss-357	107	6	of	of	ADP
ajiss-357	107	7	banking	banking	NOUN
ajiss-357	107	8	development	development	NOUN
ajiss-357	107	9	are	be	AUX
ajiss-357	107	10	also	also	ADV
ajiss-357	107	11	inherent	inherent	ADJ
ajiss-357	107	12	in	in	ADP
ajiss-357	107	13	islamic	islamic	ADJ
ajiss-357	107	14	banking	banking	NOUN
ajiss-357	107	15	.	.	PUNCT
ajiss-357	108	1	for	for	ADP
ajiss-357	108	2	historical	historical	ADJ
ajiss-357	108	3	reasons	reason	NOUN
ajiss-357	108	4	,	,	PUNCT
ajiss-357	108	5	most	most	ADJ
ajiss-357	108	6	islamic	islamic	ADJ
ajiss-357	108	7	banks	bank	NOUN
ajiss-357	108	8	maintain	maintain	VERB
ajiss-357	108	9	large	large	ADJ
ajiss-357	108	10	international	international	ADJ
ajiss-357	108	11	operations	operation	NOUN
ajiss-357	108	12	,	,	PUNCT
ajiss-357	108	13	have	have	VERB
ajiss-357	108	14	wide	wide	ADJ
ajiss-357	108	15	range	range	NOUN
ajiss-357	108	16	of	of	ADP
ajiss-357	108	17	financial	financial	ADJ
ajiss-357	108	18	products	product	NOUN
ajiss-357	108	19	and	and	CCONJ
ajiss-357	108	20	services	service	NOUN
ajiss-357	108	21	,	,	PUNCT
ajiss-357	108	22	and	and	CCONJ
ajiss-357	108	23	operate	operate	VERB
ajiss-357	108	24	under	under	ADP
ajiss-357	108	25	somewhat	somewhat	ADV
ajiss-357	108	26	complex	complex	ADJ
ajiss-357	108	27	governance	governance	NOUN
ajiss-357	108	28	structures14	structures14	NOUN
ajiss-357	108	29	;	;	PUNCT
ajiss-357	108	30	(	(	PUNCT
ajiss-357	108	31	iv	iv	X
ajiss-357	108	32	)	)	PUNCT
ajiss-357	108	33	islamic	islamic	ADJ
ajiss-357	108	34	banks	bank	NOUN
ajiss-357	108	35	also	also	ADV
ajiss-357	108	36	finance	finance	VERB
ajiss-357	108	37	large	large	ADJ
ajiss-357	108	38	projects	project	NOUN
ajiss-357	108	39	through	through	ADP
ajiss-357	108	40	such	such	ADJ
ajiss-357	108	41	faceted	faceted	ADJ
ajiss-357	108	42	financial	financial	ADJ
ajiss-357	108	43	arrangements	arrangement	NOUN
ajiss-357	108	44	as	as	ADP
ajiss-357	108	45	debt	debt	NOUN
ajiss-357	108	46	,	,	PUNCT
ajiss-357	108	47	equity	equity	NOUN
ajiss-357	108	48	,	,	PUNCT
ajiss-357	108	49	and	and	CCONJ
ajiss-357	108	50	lease	lease	NOUN
ajiss-357	108	51	components	component	NOUN
ajiss-357	108	52	.	.	PUNCT
ajiss-357	109	1	the	the	DET
ajiss-357	109	2	rise	rise	NOUN
ajiss-357	109	3	of	of	ADP
ajiss-357	109	4	securitizing	securitize	VERB
ajiss-357	109	5	the	the	DET
ajiss-357	109	6	assets	asset	NOUN
ajiss-357	109	7	of	of	ADP
ajiss-357	109	8	islamic	islamic	ADJ
ajiss-357	109	9	banks	bank	NOUN
ajiss-357	109	10	has	have	AUX
ajiss-357	109	11	also	also	ADV
ajiss-357	109	12	increased	increase	VERB
ajiss-357	109	13	product	product	NOUN
ajiss-357	109	14	diversity	diversity	NOUN
ajiss-357	109	15	,	,	PUNCT
ajiss-357	109	16	a	a	DET
ajiss-357	109	17	development	development	NOUN
ajiss-357	109	18	that	that	PRON
ajiss-357	109	19	may	may	AUX
ajiss-357	109	20	increase	increase	VERB
ajiss-357	109	21	their	their	PRON
ajiss-357	109	22	competitiveness	competitiveness	NOUN
ajiss-357	109	23	.	.	PUNCT
ajiss-357	110	1	this	this	PRON
ajiss-357	110	2	requires	require	VERB
ajiss-357	110	3	increased	increase	VERB
ajiss-357	110	4	transparency	transparency	NOUN
ajiss-357	110	5	and	and	CCONJ
ajiss-357	110	6	disclosure	disclosure	NOUN
ajiss-357	110	7	to	to	PART
ajiss-357	110	8	improve	improve	VERB
ajiss-357	110	9	the	the	DET
ajiss-357	110	10	regulatory	regulatory	ADJ
ajiss-357	110	11	agencies	agency	NOUN
ajiss-357	110	12	’	’	PART
ajiss-357	110	13	understanding	understanding	NOUN
ajiss-357	110	14	of	of	ADP
ajiss-357	110	15	markets	market	NOUN
ajiss-357	110	16	.	.	PUNCT
ajiss-357	111	1	the	the	DET
ajiss-357	111	2	concerned	concerned	ADJ
ajiss-357	111	3	financial	financial	ADJ
ajiss-357	111	4	institutions	institution	NOUN
ajiss-357	111	5	may	may	AUX
ajiss-357	111	6	be	be	AUX
ajiss-357	111	7	penalized	penalize	VERB
ajiss-357	111	8	by	by	ADP
ajiss-357	111	9	markets	market	NOUN
ajiss-357	111	10	and	and	CCONJ
ajiss-357	111	11	regulators	regulator	NOUN
ajiss-357	111	12	through	through	ADP
ajiss-357	111	13	lower	low	ADJ
ajiss-357	111	14	ratings	rating	NOUN
ajiss-357	111	15	and/or	and/or	CCONJ
ajiss-357	111	16	a	a	DET
ajiss-357	111	17	stricter	strict	ADJ
ajiss-357	111	18	enforcement	enforcement	NOUN
ajiss-357	111	19	of	of	ADP
ajiss-357	111	20	regulations	regulation	NOUN
ajiss-357	111	21	in	in	ADP
ajiss-357	111	22	the	the	DET
ajiss-357	111	23	absence	absence	NOUN
ajiss-357	111	24	of	of	ADP
ajiss-357	111	25	such	such	DET
ajiss-357	111	26	an	an	DET
ajiss-357	111	27	understanding15	understanding15	NOUN
ajiss-357	111	28	;	;	PUNCT
ajiss-357	111	29	and	and	CCONJ
ajiss-357	111	30	(	(	PUNCT
ajiss-357	111	31	v	v	NOUN
ajiss-357	111	32	)	)	PUNCT
ajiss-357	111	33	the	the	DET
ajiss-357	111	34	banks	bank	NOUN
ajiss-357	111	35	’	'	PUNCT
ajiss-357	111	36	operations	operation	NOUN
ajiss-357	111	37	need	need	VERB
ajiss-357	111	38	to	to	PART
ajiss-357	111	39	meet	meet	VERB
ajiss-357	111	40	a	a	DET
ajiss-357	111	41	set	set	NOUN
ajiss-357	111	42	of	of	ADP
ajiss-357	111	43	ethical	ethical	ADJ
ajiss-357	111	44	and	and	CCONJ
ajiss-357	111	45	financing	financing	NOUN
ajiss-357	111	46	standards	standard	NOUN
ajiss-357	111	47	defined	define	VERB
ajiss-357	111	48	by	by	ADP
ajiss-357	111	49	the	the	DET
ajiss-357	111	50	shari`ah	shari`ah	PROPN
ajiss-357	111	51	and	and	CCONJ
ajiss-357	111	52	the	the	DET
ajiss-357	111	53	financial	financial	ADJ
ajiss-357	111	54	contracts	contract	NOUN
ajiss-357	111	55	used	use	VERB
ajiss-357	111	56	by	by	ADP
ajiss-357	111	57	banks	bank	NOUN
ajiss-357	111	58	to	to	PART
ajiss-357	111	59	mobilize	mobilize	VERB
ajiss-357	111	60	deposits	deposit	NOUN
ajiss-357	111	61	,	,	PUNCT
ajiss-357	111	62	both	both	PRON
ajiss-357	111	63	of	of	ADP
ajiss-357	111	64	which	which	PRON
ajiss-357	111	65	lead	lead	VERB
ajiss-357	111	66	depositors	depositor	NOUN
ajiss-357	111	67	to	to	PART
ajiss-357	111	68	take	take	VERB
ajiss-357	111	69	a	a	DET
ajiss-357	111	70	direct	direct	ADJ
ajiss-357	111	71	financial	financial	ADJ
ajiss-357	111	72	stake	stake	NOUN
ajiss-357	111	73	in	in	ADP
ajiss-357	111	74	the	the	DET
ajiss-357	111	75	bank	bank	NOUN
ajiss-357	111	76	.	.	PUNCT
ajiss-357	112	1	this	this	PRON
ajiss-357	112	2	makes	make	VERB
ajiss-357	112	3	the	the	DET
ajiss-357	112	4	governance	governance	NOUN
ajiss-357	112	5	of	of	ADP
ajiss-357	112	6	islamic	islamic	ADJ
ajiss-357	112	7	banks	bank	NOUN
ajiss-357	112	8	more	more	ADV
ajiss-357	112	9	complex	complex	ADJ
ajiss-357	112	10	,	,	PUNCT
ajiss-357	112	11	since	since	SCONJ
ajiss-357	112	12	these	these	PRON
ajiss-357	112	13	require	require	VERB
ajiss-357	112	14	a	a	DET
ajiss-357	112	15	clear	clear	ADJ
ajiss-357	112	16	definition	definition	NOUN
ajiss-357	112	17	of	of	ADP
ajiss-357	112	18	related	related	ADJ
ajiss-357	112	19	governance	governance	NOUN
ajiss-357	112	20	issues	issue	NOUN
ajiss-357	112	21	.	.	PUNCT
ajiss-357	113	1	the	the	DET
ajiss-357	113	2	islamic	islamic	ADJ
ajiss-357	113	3	financial	financial	ADJ
ajiss-357	113	4	system	system	NOUN
ajiss-357	113	5	exposes	expose	VERB
ajiss-357	113	6	depositors	depositor	NOUN
ajiss-357	113	7	to	to	ADP
ajiss-357	113	8	risks	risk	NOUN
ajiss-357	113	9	that	that	SCONJ
ajiss-357	113	10	traditional	traditional	ADJ
ajiss-357	113	11	bank	bank	NOUN
ajiss-357	113	12	depositors	depositor	NOUN
ajiss-357	113	13	do	do	AUX
ajiss-357	113	14	not	not	PART
ajiss-357	113	15	face	face	VERB
ajiss-357	113	16	.	.	PUNCT
ajiss-357	114	1	proper	proper	ADJ
ajiss-357	114	2	regulation	regulation	NOUN
ajiss-357	114	3	and	and	CCONJ
ajiss-357	114	4	supervision	supervision	NOUN
ajiss-357	114	5	,	,	PUNCT
ajiss-357	114	6	capital	capital	NOUN
ajiss-357	114	7	adequacy	adequacy	NOUN
ajiss-357	114	8	,	,	PUNCT
ajiss-357	114	9	risk	risk	NOUN
ajiss-357	114	10	assessment	assessment	NOUN
ajiss-357	114	11	,	,	PUNCT
ajiss-357	114	12	and	and	CCONJ
ajiss-357	114	13	internal	internal	ADJ
ajiss-357	114	14	controls	control	NOUN
ajiss-357	114	15	will	will	AUX
ajiss-357	114	16	bolster	bolster	VERB
ajiss-357	114	17	public	public	ADJ
ajiss-357	114	18	confidence	confidence	NOUN
ajiss-357	114	19	in	in	ADP
ajiss-357	114	20	the	the	DET
ajiss-357	114	21	financial	financial	ADJ
ajiss-357	114	22	system	system	NOUN
ajiss-357	114	23	–	–	PUNCT
ajiss-357	114	24	and	and	CCONJ
ajiss-357	114	25	all	all	PRON
ajiss-357	114	26	of	of	ADP
ajiss-357	114	27	them	they	PRON
ajiss-357	114	28	are	be	AUX
ajiss-357	114	29	critical	critical	ADJ
ajiss-357	114	30	to	to	ADP
ajiss-357	114	31	the	the	DET
ajiss-357	114	32	success	success	NOUN
ajiss-357	114	33	and	and	CCONJ
ajiss-357	114	34	growth	growth	NOUN
ajiss-357	114	35	of	of	ADP
ajiss-357	114	36	islamic	islamic	ADJ
ajiss-357	114	37	financial	financial	ADJ
ajiss-357	114	38	intermediation	intermediation	NOUN
ajiss-357	114	39	.	.	PUNCT
ajiss-357	115	1	of	of	ADP
ajiss-357	115	2	course	course	NOUN
ajiss-357	115	3	there	there	PRON
ajiss-357	115	4	is	be	VERB
ajiss-357	115	5	a	a	DET
ajiss-357	115	6	trade	trade	NOUN
ajiss-357	115	7	-	-	PUNCT
ajiss-357	115	8	off	off	NOUN
ajiss-357	115	9	to	to	PART
ajiss-357	115	10	consider	consider	VERB
ajiss-357	115	11	.	.	PUNCT
ajiss-357	116	1	as	as	SCONJ
ajiss-357	116	2	llewellyn	llewellyn	PROPN
ajiss-357	116	3	says	say	VERB
ajiss-357	116	4	:	:	PUNCT
ajiss-357	116	5	“	"	PUNCT
ajiss-357	116	6	while	while	SCONJ
ajiss-357	116	7	regulation	regulation	NOUN
ajiss-357	116	8	and	and	CCONJ
ajiss-357	116	9	capital	capital	NOUN
ajiss-357	116	10	adequacy	adequacy	NOUN
ajiss-357	116	11	arrangements	arrangement	NOUN
ajiss-357	116	12	82	82	NUM
ajiss-357	116	13	the	the	DET
ajiss-357	116	14	american	american	PROPN
ajiss-357	116	15	journal	journal	PROPN
ajiss-357	116	16	of	of	ADP
ajiss-357	116	17	islamic	islamic	ADJ
ajiss-357	116	18	social	social	PROPN
ajiss-357	116	19	sciences	sciences	PROPN
ajiss-357	116	20	27:1	27:1	NUM
ajiss-357	116	21	ajiss-27-1-final-obay.qxp	ajiss-27-1-final-obay.qxp	PROPN
ajiss-357	116	22	6/9/2010	6/9/2010	NUM
ajiss-357	116	23	4:06	4:06	NUM
ajiss-357	116	24	pm	pm	NOUN
ajiss-357	116	25	page	page	NOUN
ajiss-357	116	26	82	82	NUM
ajiss-357	116	27	pdf	pdf	NOUN
ajiss-357	116	28	created	create	VERB
ajiss-357	116	29	with	with	ADP
ajiss-357	116	30	pdffactory	pdffactory	ADJ
ajiss-357	116	31	pro	pro	ADJ
ajiss-357	116	32	trial	trial	NOUN
ajiss-357	116	33	version	version	NOUN
ajiss-357	116	34	www.pdffactory.com	www.pdffactory.com	X
ajiss-357	116	35	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	117	1	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	118	1	must	must	AUX
ajiss-357	118	2	be	be	AUX
ajiss-357	118	3	robust	robust	ADJ
ajiss-357	118	4	and	and	CCONJ
ajiss-357	118	5	effective	effective	ADJ
ajiss-357	118	6	,	,	PUNCT
ajiss-357	118	7	they	they	PRON
ajiss-357	118	8	should	should	AUX
ajiss-357	118	9	not	not	PART
ajiss-357	118	10	be	be	AUX
ajiss-357	118	11	too	too	ADV
ajiss-357	118	12	prescriptive	prescriptive	ADJ
ajiss-357	118	13	to	to	PART
ajiss-357	118	14	stifle	stifle	VERB
ajiss-357	118	15	financial	financial	ADJ
ajiss-357	118	16	innovation	innovation	NOUN
ajiss-357	118	17	and	and	CCONJ
ajiss-357	118	18	development	development	NOUN
ajiss-357	118	19	of	of	ADP
ajiss-357	118	20	islamic	islamic	ADJ
ajiss-357	118	21	banking	banking	NOUN
ajiss-357	118	22	.	.	PUNCT
ajiss-357	119	1	”16	”16	NOUN
ajiss-357	119	2	therefore	therefore	ADV
ajiss-357	119	3	,	,	PUNCT
ajiss-357	119	4	regulation	regulation	NOUN
ajiss-357	119	5	is	be	AUX
ajiss-357	119	6	a	a	DET
ajiss-357	119	7	wider	wide	ADJ
ajiss-357	119	8	contextualization	contextualization	NOUN
ajiss-357	119	9	by	by	ADP
ajiss-357	119	10	a	a	DET
ajiss-357	119	11	regulatory	regulatory	ADJ
ajiss-357	119	12	regime	regime	NOUN
ajiss-357	119	13	for	for	ADP
ajiss-357	119	14	the	the	DET
ajiss-357	119	15	following	follow	VERB
ajiss-357	119	16	reasons	reason	NOUN
ajiss-357	119	17	:	:	PUNCT
ajiss-357	119	18	prescriptive	prescriptive	ADJ
ajiss-357	119	19	regulation	regulation	NOUN
ajiss-357	119	20	is	be	AUX
ajiss-357	119	21	invariably	invariably	ADV
ajiss-357	119	22	not	not	PART
ajiss-357	119	23	effective	effective	ADJ
ajiss-357	119	24	in	in	ADP
ajiss-357	119	25	reducing	reduce	VERB
ajiss-357	119	26	the	the	DET
ajiss-357	119	27	probability	probability	NOUN
ajiss-357	119	28	of	of	ADP
ajiss-357	119	29	bank	bank	NOUN
ajiss-357	119	30	failure	failure	NOUN
ajiss-357	119	31	and	and	CCONJ
ajiss-357	119	32	the	the	DET
ajiss-357	119	33	resultant	resultant	NOUN
ajiss-357	119	34	costs	cost	NOUN
ajiss-357	119	35	;	;	PUNCT
ajiss-357	119	36	regulation	regulation	NOUN
ajiss-357	119	37	may	may	AUX
ajiss-357	119	38	be	be	AUX
ajiss-357	119	39	costly	costly	ADJ
ajiss-357	119	40	due	due	ADP
ajiss-357	119	41	to	to	ADP
ajiss-357	119	42	the	the	DET
ajiss-357	119	43	direct	direct	ADJ
ajiss-357	119	44	costs	cost	NOUN
ajiss-357	119	45	and	and	CCONJ
ajiss-357	119	46	unwarranted	unwarranted	ADJ
ajiss-357	119	47	distortions	distortion	NOUN
ajiss-357	119	48	associated	associate	VERB
ajiss-357	119	49	with	with	ADP
ajiss-357	119	50	the	the	DET
ajiss-357	119	51	inaccurate	inaccurate	ADJ
ajiss-357	119	52	risk	risk	NOUN
ajiss-357	119	53	weight	weight	NOUN
ajiss-357	119	54	applied	apply	VERB
ajiss-357	119	55	in	in	ADP
ajiss-357	119	56	capital	capital	NOUN
ajiss-357	119	57	adequacy	adequacy	NOUN
ajiss-357	119	58	arrangements	arrangement	NOUN
ajiss-357	119	59	;	;	PUNCT
ajiss-357	119	60	alternative	alternative	ADJ
ajiss-357	119	61	routes	route	NOUN
ajiss-357	119	62	to	to	ADP
ajiss-357	119	63	regulation	regulation	NOUN
ajiss-357	119	64	may	may	AUX
ajiss-357	119	65	achieve	achieve	VERB
ajiss-357	119	66	the	the	DET
ajiss-357	119	67	desired	desire	VERB
ajiss-357	119	68	success	success	NOUN
ajiss-357	119	69	at	at	ADP
ajiss-357	119	70	a	a	DET
ajiss-357	119	71	lower	low	ADJ
ajiss-357	119	72	cost	cost	NOUN
ajiss-357	119	73	;	;	PUNCT
ajiss-357	119	74	regulation	regulation	NOUN
ajiss-357	119	75	may	may	AUX
ajiss-357	119	76	be	be	AUX
ajiss-357	119	77	inflexible	inflexible	ADJ
ajiss-357	119	78	and	and	CCONJ
ajiss-357	119	79	inadequately	inadequately	ADV
ajiss-357	119	80	differentiated	differentiate	VERB
ajiss-357	119	81	;	;	PUNCT
ajiss-357	119	82	a	a	DET
ajiss-357	119	83	monopolist	monopolist	ADJ
ajiss-357	119	84	dictator	dictator	NOUN
ajiss-357	119	85	may	may	AUX
ajiss-357	119	86	be	be	AUX
ajiss-357	119	87	dangerous	dangerous	ADJ
ajiss-357	119	88	;	;	PUNCT
ajiss-357	119	89	and	and	CCONJ
ajiss-357	119	90	regulation	regulation	NOUN
ajiss-357	119	91	may	may	AUX
ajiss-357	119	92	impair	impair	VERB
ajiss-357	119	93	the	the	DET
ajiss-357	119	94	effectiveness	effectiveness	NOUN
ajiss-357	119	95	and	and	CCONJ
ajiss-357	119	96	efficiency	efficiency	NOUN
ajiss-357	119	97	of	of	ADP
ajiss-357	119	98	other	other	ADJ
ajiss-357	119	99	mechanisms	mechanism	NOUN
ajiss-357	119	100	for	for	ADP
ajiss-357	119	101	achieving	achieve	VERB
ajiss-357	119	102	financial	financial	ADJ
ajiss-357	119	103	stability	stability	NOUN
ajiss-357	119	104	.	.	PUNCT
ajiss-357	120	1	based	base	VERB
ajiss-357	120	2	on	on	ADP
ajiss-357	120	3	the	the	DET
ajiss-357	120	4	above	above	ADJ
ajiss-357	120	5	brief	brief	ADJ
ajiss-357	120	6	discussion	discussion	NOUN
ajiss-357	120	7	,	,	PUNCT
ajiss-357	120	8	we	we	PRON
ajiss-357	120	9	can	can	AUX
ajiss-357	120	10	safely	safely	ADV
ajiss-357	120	11	conclude	conclude	VERB
ajiss-357	120	12	that	that	SCONJ
ajiss-357	120	13	any	any	DET
ajiss-357	120	14	regulatory	regulatory	ADJ
ajiss-357	120	15	regime	regime	NOUN
ajiss-357	120	16	should	should	AUX
ajiss-357	120	17	aggressively	aggressively	ADV
ajiss-357	120	18	pursue	pursue	VERB
ajiss-357	120	19	the	the	DET
ajiss-357	120	20	main	main	ADJ
ajiss-357	120	21	objective	objective	NOUN
ajiss-357	120	22	:	:	PUNCT
ajiss-357	120	23	an	an	DET
ajiss-357	120	24	optimum	optimum	ADJ
ajiss-357	120	25	mix	mix	NOUN
ajiss-357	120	26	of	of	ADP
ajiss-357	120	27	components	component	NOUN
ajiss-357	120	28	combined	combine	VERB
ajiss-357	120	29	with	with	ADP
ajiss-357	120	30	the	the	DET
ajiss-357	120	31	careful	careful	ADJ
ajiss-357	120	32	choice	choice	NOUN
ajiss-357	120	33	of	of	ADP
ajiss-357	120	34	regulatory	regulatory	ADJ
ajiss-357	120	35	instruments	instrument	NOUN
ajiss-357	120	36	within	within	ADP
ajiss-357	120	37	each	each	DET
ajiss-357	120	38	one	one	NUM
ajiss-357	120	39	.	.	PUNCT
ajiss-357	121	1	regulation	regulation	NOUN
ajiss-357	121	2	should	should	AUX
ajiss-357	121	3	contribute	contribute	VERB
ajiss-357	121	4	directly	directly	ADV
ajiss-357	121	5	to	to	ADP
ajiss-357	121	6	achieving	achieve	VERB
ajiss-357	121	7	the	the	DET
ajiss-357	121	8	objectives	objective	NOUN
ajiss-357	121	9	and	and	CCONJ
ajiss-357	121	10	impacting	impact	VERB
ajiss-357	121	11	other	other	ADJ
ajiss-357	121	12	components	component	NOUN
ajiss-357	121	13	of	of	ADP
ajiss-357	121	14	the	the	DET
ajiss-357	121	15	regime	regime	NOUN
ajiss-357	121	16	,	,	PUNCT
ajiss-357	121	17	such	such	ADJ
ajiss-357	121	18	as	as	ADP
ajiss-357	121	19	incentive	incentive	NOUN
ajiss-357	121	20	structures	structure	NOUN
ajiss-357	121	21	within	within	ADP
ajiss-357	121	22	banks	bank	NOUN
ajiss-357	121	23	and	and	CCONJ
ajiss-357	121	24	the	the	DET
ajiss-357	121	25	role	role	NOUN
ajiss-357	121	26	played	play	VERB
ajiss-357	121	27	by	by	ADP
ajiss-357	121	28	market	market	NOUN
ajiss-357	121	29	discipline	discipline	NOUN
ajiss-357	121	30	and	and	CCONJ
ajiss-357	121	31	monitoring	monitoring	NOUN
ajiss-357	121	32	.	.	PUNCT
ajiss-357	122	1	in	in	ADP
ajiss-357	122	2	current	current	ADJ
ajiss-357	122	3	conditions	condition	NOUN
ajiss-357	122	4	,	,	PUNCT
ajiss-357	122	5	there	there	PRON
ajiss-357	122	6	needs	need	VERB
ajiss-357	122	7	to	to	PART
ajiss-357	122	8	be	be	AUX
ajiss-357	122	9	a	a	DET
ajiss-357	122	10	shift	shift	NOUN
ajiss-357	122	11	within	within	ADP
ajiss-357	122	12	the	the	DET
ajiss-357	122	13	regime	regime	NOUN
ajiss-357	122	14	in	in	ADP
ajiss-357	122	15	five	five	NUM
ajiss-357	122	16	dimensions	dimension	NOUN
ajiss-357	122	17	:	:	PUNCT
ajiss-357	122	18	less	less	ADJ
ajiss-357	122	19	reliance	reliance	NOUN
ajiss-357	122	20	placed	place	VERB
ajiss-357	122	21	on	on	ADP
ajiss-357	122	22	detailed	detailed	ADJ
ajiss-357	122	23	and	and	CCONJ
ajiss-357	122	24	prescriptive	prescriptive	ADJ
ajiss-357	122	25	rules	rule	NOUN
ajiss-357	122	26	,	,	PUNCT
ajiss-357	122	27	more	more	ADJ
ajiss-357	122	28	emphasis	emphasis	NOUN
ajiss-357	122	29	given	give	VERB
ajiss-357	122	30	to	to	ADP
ajiss-357	122	31	prudential	prudential	ADJ
ajiss-357	122	32	regulation	regulation	NOUN
ajiss-357	122	33	and	and	CCONJ
ajiss-357	122	34	official	official	ADJ
ajiss-357	122	35	supervision	supervision	NOUN
ajiss-357	122	36	,	,	PUNCT
ajiss-357	122	37	a	a	DET
ajiss-357	122	38	greater	great	ADJ
ajiss-357	122	39	focus	focus	NOUN
ajiss-357	122	40	on	on	ADP
ajiss-357	122	41	incentive	incentive	NOUN
ajiss-357	122	42	structures	structure	NOUN
ajiss-357	122	43	,	,	PUNCT
ajiss-357	122	44	an	an	DET
ajiss-357	122	45	enhanced	enhanced	ADJ
ajiss-357	122	46	and	and	CCONJ
ajiss-357	122	47	strengthened	strengthen	VERB
ajiss-357	122	48	role	role	NOUN
ajiss-357	122	49	for	for	ADP
ajiss-357	122	50	market	market	NOUN
ajiss-357	122	51	discipline	discipline	NOUN
ajiss-357	122	52	and	and	CCONJ
ajiss-357	122	53	monitoring	monitoring	NOUN
ajiss-357	122	54	,	,	PUNCT
ajiss-357	122	55	and	and	CCONJ
ajiss-357	122	56	a	a	DET
ajiss-357	122	57	more	more	ADV
ajiss-357	122	58	central	central	ADJ
ajiss-357	122	59	role	role	NOUN
ajiss-357	122	60	for	for	ADP
ajiss-357	122	61	corporate	corporate	ADJ
ajiss-357	122	62	governance	governance	NOUN
ajiss-357	122	63	arrangements	arrangement	NOUN
ajiss-357	122	64	within	within	ADP
ajiss-357	122	65	banks.17	banks.17	NOUN
ajiss-357	122	66	this	this	PRON
ajiss-357	122	67	is	be	AUX
ajiss-357	122	68	more	more	ADV
ajiss-357	122	69	applicable	applicable	ADJ
ajiss-357	122	70	to	to	ADP
ajiss-357	122	71	ifis	ifis	PROPN
ajiss-357	122	72	.	.	PUNCT
ajiss-357	123	1	regulation	regulation	NOUN
ajiss-357	123	2	,	,	PUNCT
ajiss-357	123	3	which	which	PRON
ajiss-357	123	4	can	can	AUX
ajiss-357	123	5	never	never	ADV
ajiss-357	123	6	be	be	AUX
ajiss-357	123	7	an	an	DET
ajiss-357	123	8	alternative	alternative	NOUN
ajiss-357	123	9	to	to	ADP
ajiss-357	123	10	market	market	NOUN
ajiss-357	123	11	discipline	discipline	NOUN
ajiss-357	123	12	,	,	PUNCT
ajiss-357	123	13	should	should	AUX
ajiss-357	123	14	,	,	PUNCT
ajiss-357	123	15	in	in	ADP
ajiss-357	123	16	fact	fact	NOUN
ajiss-357	123	17	,	,	PUNCT
ajiss-357	123	18	reinforce	reinforce	VERB
ajiss-357	123	19	it	it	PRON
ajiss-357	123	20	.	.	PUNCT
ajiss-357	124	1	market	market	NOUN
ajiss-357	124	2	and	and	CCONJ
ajiss-357	124	3	regulatory	regulatory	ADJ
ajiss-357	124	4	agencies	agency	NOUN
ajiss-357	124	5	,	,	PUNCT
ajiss-357	124	6	even	even	ADV
ajiss-357	124	7	with	with	ADP
ajiss-357	124	8	all	all	PRON
ajiss-357	124	9	of	of	ADP
ajiss-357	124	10	their	their	PRON
ajiss-357	124	11	imperfections	imperfection	NOUN
ajiss-357	124	12	,	,	PUNCT
ajiss-357	124	13	should	should	AUX
ajiss-357	124	14	be	be	AUX
ajiss-357	124	15	utilized	utilize	VERB
ajiss-357	124	16	in	in	ADP
ajiss-357	124	17	such	such	DET
ajiss-357	124	18	a	a	DET
ajiss-357	124	19	way	way	NOUN
ajiss-357	124	20	that	that	SCONJ
ajiss-357	124	21	neither	neither	PRON
ajiss-357	124	22	of	of	ADP
ajiss-357	124	23	them	they	PRON
ajiss-357	124	24	enjoys	enjoy	VERB
ajiss-357	124	25	a	a	DET
ajiss-357	124	26	monopoly	monopoly	NOUN
ajiss-357	124	27	on	on	ADP
ajiss-357	124	28	wisdom	wisdom	NOUN
ajiss-357	124	29	and	and	CCONJ
ajiss-357	124	30	judgment	judgment	NOUN
ajiss-357	124	31	.	.	PUNCT
ajiss-357	125	1	therefore	therefore	ADV
ajiss-357	125	2	,	,	PUNCT
ajiss-357	125	3	more	more	ADV
ajiss-357	125	4	systematic	systematic	ADJ
ajiss-357	125	5	research	research	NOUN
ajiss-357	125	6	into	into	ADP
ajiss-357	125	7	the	the	DET
ajiss-357	125	8	predictive	predictive	ADJ
ajiss-357	125	9	power	power	NOUN
ajiss-357	125	10	of	of	ADP
ajiss-357	125	11	market	market	NOUN
ajiss-357	125	12	data	datum	NOUN
ajiss-357	125	13	and	and	CCONJ
ajiss-357	125	14	how	how	SCONJ
ajiss-357	125	15	market	market	NOUN
ajiss-357	125	16	information	information	NOUN
ajiss-357	125	17	can	can	AUX
ajiss-357	125	18	be	be	AUX
ajiss-357	125	19	incorporated	incorporate	VERB
ajiss-357	125	20	into	into	ADP
ajiss-357	125	21	the	the	DET
ajiss-357	125	22	supervisory	supervisory	ADJ
ajiss-357	125	23	process	process	NOUN
ajiss-357	125	24	both	both	PRON
ajiss-357	125	25	by	by	ADP
ajiss-357	125	26	regulators	regulator	NOUN
ajiss-357	125	27	and	and	CCONJ
ajiss-357	125	28	the	the	DET
ajiss-357	125	29	market	market	NOUN
ajiss-357	125	30	is	be	AUX
ajiss-357	125	31	required	require	VERB
ajiss-357	125	32	.	.	PUNCT
ajiss-357	126	1	islamic	islamic	ADJ
ajiss-357	126	2	banking	banking	NOUN
ajiss-357	126	3	regulation	regulation	NOUN
ajiss-357	126	4	in	in	ADP
ajiss-357	126	5	light	light	NOUN
ajiss-357	126	6	of	of	ADP
ajiss-357	126	7	basel	basel	PROPN
ajiss-357	126	8	ii	ii	PROPN
ajiss-357	126	9	basel	basel	PROPN
ajiss-357	126	10	ii	ii	PROPN
ajiss-357	126	11	emphasizes	emphasize	VERB
ajiss-357	126	12	various	various	ADJ
ajiss-357	126	13	issues	issue	NOUN
ajiss-357	126	14	related	relate	VERB
ajiss-357	126	15	to	to	ADP
ajiss-357	126	16	the	the	DET
ajiss-357	126	17	islamic	islamic	ADJ
ajiss-357	126	18	financial	financial	ADJ
ajiss-357	126	19	system	system	NOUN
ajiss-357	126	20	’s	’s	PART
ajiss-357	126	21	stability	stability	NOUN
ajiss-357	126	22	,	,	PUNCT
ajiss-357	126	23	including	include	VERB
ajiss-357	126	24	capital	capital	NOUN
ajiss-357	126	25	adequacy	adequacy	NOUN
ajiss-357	126	26	,	,	PUNCT
ajiss-357	126	27	policies	policy	NOUN
ajiss-357	126	28	and	and	CCONJ
ajiss-357	126	29	procedures	procedure	NOUN
ajiss-357	126	30	related	relate	VERB
ajiss-357	126	31	to	to	ADP
ajiss-357	126	32	lending	lending	NOUN
ajiss-357	126	33	and	and	CCONJ
ajiss-357	126	34	investing	investing	NOUN
ajiss-357	126	35	,	,	PUNCT
ajiss-357	126	36	risk	risk	NOUN
ajiss-357	126	37	management	management	NOUN
ajiss-357	126	38	techniques	technique	NOUN
ajiss-357	126	39	,	,	PUNCT
ajiss-357	126	40	effective	effective	ADJ
ajiss-357	126	41	internal	internal	ADJ
ajiss-357	126	42	controls	control	NOUN
ajiss-357	126	43	,	,	PUNCT
ajiss-357	126	44	and	and	CCONJ
ajiss-357	126	45	external	external	ADJ
ajiss-357	126	46	audits	audits	NOUN
ajiss-357	126	47	.	.	PUNCT
ajiss-357	127	1	it	it	PRON
ajiss-357	127	2	also	also	ADV
ajiss-357	127	3	requires	require	VERB
ajiss-357	127	4	islamic	islamic	ADJ
ajiss-357	127	5	banks	bank	NOUN
ajiss-357	127	6	to	to	PART
ajiss-357	127	7	meet	meet	VERB
ajiss-357	127	8	specific	specific	ADJ
ajiss-357	127	9	legal	legal	ADJ
ajiss-357	127	10	and	and	CCONJ
ajiss-357	127	11	regulatory	regulatory	ADJ
ajiss-357	127	12	standards	standard	NOUN
ajiss-357	127	13	,	,	PUNCT
ajiss-357	127	14	as	as	SCONJ
ajiss-357	127	15	specified	specify	VERB
ajiss-357	127	16	in	in	ADP
ajiss-357	127	17	basel	basel	PROPN
ajiss-357	127	18	ii	ii	PROPN
ajiss-357	127	19	.	.	PUNCT
ajiss-357	128	1	some	some	PRON
ajiss-357	128	2	contend	contend	VERB
ajiss-357	128	3	that	that	SCONJ
ajiss-357	128	4	ifis	ifis	PROPN
ajiss-357	128	5	should	should	AUX
ajiss-357	128	6	not	not	PART
ajiss-357	128	7	be	be	AUX
ajiss-357	128	8	subject	subject	ADJ
ajiss-357	128	9	to	to	ADP
ajiss-357	128	10	all	all	DET
ajiss-357	128	11	regulatory	regulatory	ADJ
ajiss-357	128	12	measures	measure	NOUN
ajiss-357	128	13	specified	specify	VERB
ajiss-357	128	14	therein	therein	ADV
ajiss-357	128	15	;	;	PUNCT
ajiss-357	128	16	rather	rather	ADV
ajiss-357	128	17	,	,	PUNCT
ajiss-357	128	18	they	they	PRON
ajiss-357	128	19	hassan	hassan	PROPN
ajiss-357	128	20	and	and	CCONJ
ajiss-357	128	21	chowdhury	chowdhury	PROPN
ajiss-357	128	22	:	:	PUNCT
ajiss-357	128	23	islamic	islamic	ADJ
ajiss-357	128	24	banking	banking	NOUN
ajiss-357	128	25	regulations	regulation	NOUN
ajiss-357	128	26	83	83	NUM
ajiss-357	128	27	ajiss-27-1-final-obay.qxp	ajiss-27-1-final-obay.qxp	PROPN
ajiss-357	128	28	6/9/2010	6/9/2010	NOUN
ajiss-357	128	29	4:06	4:06	NUM
ajiss-357	128	30	pm	pm	NOUN
ajiss-357	128	31	page	page	NOUN
ajiss-357	128	32	83	83	NUM
ajiss-357	128	33	pdf	pdf	NOUN
ajiss-357	128	34	created	create	VERB
ajiss-357	128	35	with	with	ADP
ajiss-357	128	36	pdffactory	pdffactory	ADJ
ajiss-357	128	37	pro	pro	ADJ
ajiss-357	128	38	trial	trial	NOUN
ajiss-357	128	39	version	version	NOUN
ajiss-357	128	40	www.pdffactory.com	www.pdffactory.com	X
ajiss-357	128	41	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	128	42	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	128	43	should	should	AUX
ajiss-357	128	44	be	be	AUX
ajiss-357	128	45	subject	subject	ADJ
ajiss-357	128	46	to	to	ADP
ajiss-357	128	47	corporate	corporate	ADJ
ajiss-357	128	48	regulations	regulation	NOUN
ajiss-357	128	49	due	due	ADP
ajiss-357	128	50	to	to	ADP
ajiss-357	128	51	risk	risk	NOUN
ajiss-357	128	52	sharing	sharing	NOUN
ajiss-357	128	53	between	between	ADP
ajiss-357	128	54	investment	investment	NOUN
ajiss-357	128	55	depositors	depositor	NOUN
ajiss-357	128	56	and	and	CCONJ
ajiss-357	128	57	islamic	islamic	ADJ
ajiss-357	128	58	banks	bank	NOUN
ajiss-357	128	59	.	.	PUNCT
ajiss-357	129	1	but	but	CCONJ
ajiss-357	129	2	this	this	DET
ajiss-357	129	3	argument	argument	NOUN
ajiss-357	129	4	is	be	AUX
ajiss-357	129	5	invalidated	invalidate	VERB
ajiss-357	129	6	by	by	ADP
ajiss-357	129	7	the	the	DET
ajiss-357	129	8	fact	fact	NOUN
ajiss-357	129	9	that	that	SCONJ
ajiss-357	129	10	a	a	DET
ajiss-357	129	11	corporation	corporation	NOUN
ajiss-357	129	12	’s	’s	PART
ajiss-357	129	13	failure	failure	NOUN
ajiss-357	129	14	directly	directly	ADV
ajiss-357	129	15	affects	affect	VERB
ajiss-357	129	16	its	its	PRON
ajiss-357	129	17	shareholders	shareholder	NOUN
ajiss-357	129	18	,	,	PUNCT
ajiss-357	129	19	while	while	SCONJ
ajiss-357	129	20	a	a	DET
ajiss-357	129	21	financial	financial	ADJ
ajiss-357	129	22	institution	institution	NOUN
ajiss-357	129	23	’s	’s	PART
ajiss-357	129	24	failure	failure	NOUN
ajiss-357	129	25	affects	affect	VERB
ajiss-357	129	26	the	the	DET
ajiss-357	129	27	health	health	NOUN
ajiss-357	129	28	and	and	CCONJ
ajiss-357	129	29	stability	stability	NOUN
ajiss-357	129	30	of	of	ADP
ajiss-357	129	31	the	the	DET
ajiss-357	129	32	entire	entire	ADJ
ajiss-357	129	33	financial	financial	ADJ
ajiss-357	129	34	system	system	NOUN
ajiss-357	129	35	and	and	CCONJ
ajiss-357	129	36	the	the	DET
ajiss-357	129	37	economy	economy	NOUN
ajiss-357	129	38	at	at	ADP
ajiss-357	129	39	large	large	ADJ
ajiss-357	129	40	.	.	PUNCT
ajiss-357	130	1	besides	besides	ADV
ajiss-357	130	2	,	,	PUNCT
ajiss-357	130	3	islamic	islamic	ADJ
ajiss-357	130	4	banks	bank	NOUN
ajiss-357	130	5	will	will	AUX
ajiss-357	130	6	face	face	VERB
ajiss-357	130	7	difficulty	difficulty	NOUN
ajiss-357	130	8	in	in	ADP
ajiss-357	130	9	securing	secure	VERB
ajiss-357	130	10	international	international	ADJ
ajiss-357	130	11	recognition	recognition	NOUN
ajiss-357	130	12	until	until	SCONJ
ajiss-357	130	13	they	they	PRON
ajiss-357	130	14	adhere	adhere	VERB
ajiss-357	130	15	to	to	ADP
ajiss-357	130	16	international	international	ADJ
ajiss-357	130	17	standards	standard	NOUN
ajiss-357	130	18	.	.	PUNCT
ajiss-357	131	1	so	so	ADV
ajiss-357	131	2	as	as	ADP
ajiss-357	131	3	members	member	NOUN
ajiss-357	131	4	of	of	ADP
ajiss-357	131	5	the	the	DET
ajiss-357	131	6	international	international	ADJ
ajiss-357	131	7	community	community	NOUN
ajiss-357	131	8	,	,	PUNCT
ajiss-357	131	9	they	they	PRON
ajiss-357	131	10	should	should	AUX
ajiss-357	131	11	comply	comply	VERB
ajiss-357	131	12	with	with	ADP
ajiss-357	131	13	basel	basel	PROPN
ajiss-357	131	14	ii	ii	PROPN
ajiss-357	131	15	’s	’s	PART
ajiss-357	131	16	provisions	provision	NOUN
ajiss-357	131	17	in	in	ADP
ajiss-357	131	18	so	so	ADV
ajiss-357	131	19	far	far	ADV
ajiss-357	131	20	as	as	SCONJ
ajiss-357	131	21	they	they	PRON
ajiss-357	131	22	are	be	AUX
ajiss-357	131	23	consistent	consistent	ADJ
ajiss-357	131	24	with	with	ADP
ajiss-357	131	25	the	the	DET
ajiss-357	131	26	shari`ah	shari`ah	PROPN
ajiss-357	131	27	.	.	PROPN
ajiss-357	131	28	basel	basel	PROPN
ajiss-357	131	29	ii	ii	PROPN
ajiss-357	131	30	’s	’s	PART
ajiss-357	131	31	framework	framework	NOUN
ajiss-357	131	32	is	be	AUX
ajiss-357	131	33	based	base	VERB
ajiss-357	131	34	on	on	ADP
ajiss-357	131	35	minimum	minimum	ADJ
ajiss-357	131	36	capital	capital	NOUN
ajiss-357	131	37	requirements	requirement	NOUN
ajiss-357	131	38	,	,	PUNCT
ajiss-357	131	39	a	a	DET
ajiss-357	131	40	supervisory	supervisory	ADJ
ajiss-357	131	41	review	review	NOUN
ajiss-357	131	42	process	process	NOUN
ajiss-357	131	43	,	,	PUNCT
ajiss-357	131	44	and	and	CCONJ
ajiss-357	131	45	the	the	DET
ajiss-357	131	46	effective	effective	ADJ
ajiss-357	131	47	use	use	NOUN
ajiss-357	131	48	of	of	ADP
ajiss-357	131	49	market	market	NOUN
ajiss-357	131	50	discipline	discipline	NOUN
ajiss-357	131	51	.	.	PUNCT
ajiss-357	132	1	the	the	DET
ajiss-357	132	2	capital	capital	NOUN
ajiss-357	132	3	adequacy	adequacy	NOUN
ajiss-357	132	4	requirement	requirement	NOUN
ajiss-357	132	5	is	be	AUX
ajiss-357	132	6	regarded	regard	VERB
ajiss-357	132	7	as	as	ADP
ajiss-357	132	8	one	one	NUM
ajiss-357	132	9	of	of	ADP
ajiss-357	132	10	the	the	DET
ajiss-357	132	11	most	most	ADV
ajiss-357	132	12	important	important	ADJ
ajiss-357	132	13	standards	standard	NOUN
ajiss-357	132	14	in	in	ADP
ajiss-357	132	15	developing	develop	VERB
ajiss-357	132	16	the	the	DET
ajiss-357	132	17	necessary	necessary	ADJ
ajiss-357	132	18	regulations	regulation	NOUN
ajiss-357	132	19	for	for	ADP
ajiss-357	132	20	bank	bank	NOUN
ajiss-357	132	21	supervision	supervision	NOUN
ajiss-357	132	22	.	.	PUNCT
ajiss-357	133	1	this	this	DET
ajiss-357	133	2	accord	accord	NOUN
ajiss-357	133	3	aligns	align	VERB
ajiss-357	133	4	capital	capital	NOUN
ajiss-357	133	5	adequacy	adequacy	NOUN
ajiss-357	133	6	with	with	ADP
ajiss-357	133	7	banking	banking	NOUN
ajiss-357	133	8	risks	risk	NOUN
ajiss-357	133	9	and	and	CCONJ
ajiss-357	133	10	provides	provide	VERB
ajiss-357	133	11	an	an	DET
ajiss-357	133	12	incentive	incentive	NOUN
ajiss-357	133	13	for	for	SCONJ
ajiss-357	133	14	financial	financial	ADJ
ajiss-357	133	15	institutions	institution	NOUN
ajiss-357	133	16	to	to	PART
ajiss-357	133	17	boost	boost	VERB
ajiss-357	133	18	risk	risk	NOUN
ajiss-357	133	19	management	management	NOUN
ajiss-357	133	20	and	and	CCONJ
ajiss-357	133	21	internal	internal	ADJ
ajiss-357	133	22	controls	control	NOUN
ajiss-357	133	23	.	.	PUNCT
ajiss-357	134	1	risk	risk	NOUN
ajiss-357	134	2	is	be	AUX
ajiss-357	134	3	defined	define	VERB
ajiss-357	134	4	primarily	primarily	ADV
ajiss-357	134	5	as	as	ADP
ajiss-357	134	6	the	the	DET
ajiss-357	134	7	probability	probability	NOUN
ajiss-357	134	8	of	of	ADP
ajiss-357	134	9	default	default	NOUN
ajiss-357	134	10	to	to	ADP
ajiss-357	134	11	the	the	DET
ajiss-357	134	12	third	third	ADJ
ajiss-357	134	13	party	party	NOUN
ajiss-357	134	14	as	as	ADV
ajiss-357	134	15	well	well	ADV
ajiss-357	134	16	as	as	ADP
ajiss-357	134	17	the	the	DET
ajiss-357	134	18	volatility	volatility	NOUN
ajiss-357	134	19	of	of	ADP
ajiss-357	134	20	unexpected	unexpected	ADJ
ajiss-357	134	21	outcomes	outcome	NOUN
ajiss-357	134	22	(	(	PUNCT
ajiss-357	134	23	usually	usually	ADV
ajiss-357	134	24	the	the	DET
ajiss-357	134	25	value	value	NOUN
ajiss-357	134	26	of	of	ADP
ajiss-357	134	27	assets	asset	NOUN
ajiss-357	134	28	or	or	CCONJ
ajiss-357	134	29	liabilities	liability	NOUN
ajiss-357	134	30	)	)	PUNCT
ajiss-357	134	31	.	.	PUNCT
ajiss-357	135	1	it	it	PRON
ajiss-357	135	2	is	be	AUX
ajiss-357	135	3	commonly	commonly	ADV
ajiss-357	135	4	measured	measure	VERB
ajiss-357	135	5	by	by	ADP
ajiss-357	135	6	the	the	DET
ajiss-357	135	7	standard	standard	ADJ
ajiss-357	135	8	deviation	deviation	NOUN
ajiss-357	135	9	of	of	ADP
ajiss-357	135	10	historic	historic	ADJ
ajiss-357	135	11	outcomes	outcome	NOUN
ajiss-357	135	12	.	.	PUNCT
ajiss-357	136	1	while	while	SCONJ
ajiss-357	136	2	the	the	DET
ajiss-357	136	3	definition	definition	NOUN
ajiss-357	136	4	of	of	ADP
ajiss-357	136	5	capital	capital	NOUN
ajiss-357	136	6	adequacy	adequacy	NOUN
ajiss-357	136	7	in	in	ADP
ajiss-357	136	8	basel	basel	PROPN
ajiss-357	136	9	i	i	PROPN
ajiss-357	136	10	and	and	CCONJ
ajiss-357	136	11	ii	ii	PROPN
ajiss-357	136	12	is	be	AUX
ajiss-357	136	13	the	the	DET
ajiss-357	136	14	same	same	ADJ
ajiss-357	136	15	,	,	PUNCT
ajiss-357	136	16	basel	basel	PROPN
ajiss-357	136	17	ii	ii	PROPN
ajiss-357	136	18	emphasizes	emphasize	VERB
ajiss-357	136	19	the	the	DET
ajiss-357	136	20	risk	risk	NOUN
ajiss-357	136	21	-	-	PUNCT
ajiss-357	136	22	weighting	weighting	NOUN
ajiss-357	136	23	of	of	ADP
ajiss-357	136	24	assets	asset	NOUN
ajiss-357	136	25	using	use	VERB
ajiss-357	136	26	the	the	DET
ajiss-357	136	27	standardized	standardized	ADJ
ajiss-357	136	28	approach	approach	NOUN
ajiss-357	136	29	(	(	PUNCT
ajiss-357	136	30	determining	determine	VERB
ajiss-357	136	31	credit	credit	NOUN
ajiss-357	136	32	risk	risk	NOUN
ajiss-357	136	33	via	via	ADP
ajiss-357	136	34	external	external	ADJ
ajiss-357	136	35	rating	rating	NOUN
ajiss-357	136	36	,	,	PUNCT
ajiss-357	136	37	which	which	PRON
ajiss-357	136	38	depends	depend	VERB
ajiss-357	136	39	upon	upon	SCONJ
ajiss-357	136	40	the	the	DET
ajiss-357	136	41	provision	provision	NOUN
ajiss-357	136	42	of	of	ADP
ajiss-357	136	43	complete	complete	ADJ
ajiss-357	136	44	information	information	NOUN
ajiss-357	136	45	regarding	regard	VERB
ajiss-357	136	46	the	the	DET
ajiss-357	136	47	relevant	relevant	ADJ
ajiss-357	136	48	asset	asset	NOUN
ajiss-357	136	49	group	group	NOUN
ajiss-357	136	50	)	)	PUNCT
ajiss-357	136	51	,	,	PUNCT
ajiss-357	136	52	the	the	DET
ajiss-357	136	53	irb	irb	PROPN
ajiss-357	136	54	approach	approach	NOUN
ajiss-357	136	55	(	(	PUNCT
ajiss-357	136	56	measuring	measure	VERB
ajiss-357	136	57	each	each	DET
ajiss-357	136	58	asset	asset	NOUN
ajiss-357	136	59	’s	’s	PART
ajiss-357	136	60	risk	risk	NOUN
ajiss-357	136	61	internally	internally	ADV
ajiss-357	136	62	by	by	ADP
ajiss-357	136	63	using	use	VERB
ajiss-357	136	64	qualitative	qualitative	ADJ
ajiss-357	136	65	judgments	judgment	NOUN
ajiss-357	136	66	)	)	PUNCT
ajiss-357	136	67	,	,	PUNCT
ajiss-357	136	68	and	and	CCONJ
ajiss-357	136	69	the	the	DET
ajiss-357	136	70	model	model	NOUN
ajiss-357	136	71	-	-	PUNCT
ajiss-357	136	72	based	base	VERB
ajiss-357	136	73	approach	approach	NOUN
ajiss-357	136	74	(	(	PUNCT
ajiss-357	136	75	measuring	measure	VERB
ajiss-357	136	76	risk	risk	NOUN
ajiss-357	136	77	on	on	ADP
ajiss-357	136	78	the	the	DET
ajiss-357	136	79	basis	basis	NOUN
ajiss-357	136	80	of	of	ADP
ajiss-357	136	81	portfolios	portfolio	NOUN
ajiss-357	136	82	using	use	VERB
ajiss-357	136	83	models	model	NOUN
ajiss-357	136	84	and	and	CCONJ
ajiss-357	136	85	qualitative	qualitative	NOUN
ajiss-357	136	86	data).18	data).18	PROPN
ajiss-357	136	87	how	how	SCONJ
ajiss-357	136	88	do	do	AUX
ajiss-357	136	89	we	we	PRON
ajiss-357	136	90	apply	apply	VERB
ajiss-357	136	91	international	international	ADJ
ajiss-357	136	92	standards	standard	NOUN
ajiss-357	136	93	to	to	ADP
ajiss-357	136	94	islamic	islamic	ADJ
ajiss-357	136	95	banks	bank	NOUN
ajiss-357	136	96	while	while	SCONJ
ajiss-357	136	97	enabling	enable	VERB
ajiss-357	136	98	them	they	PRON
ajiss-357	136	99	to	to	PART
ajiss-357	136	100	operate	operate	VERB
ajiss-357	136	101	in	in	ADP
ajiss-357	136	102	conformity	conformity	NOUN
ajiss-357	136	103	with	with	ADP
ajiss-357	136	104	the	the	DET
ajiss-357	136	105	shari`ah	shari`ah	PROPN
ajiss-357	136	106	?	?	PUNCT
ajiss-357	137	1	the	the	DET
ajiss-357	137	2	special	special	ADJ
ajiss-357	137	3	nature	nature	NOUN
ajiss-357	137	4	of	of	ADP
ajiss-357	137	5	investment	investment	NOUN
ajiss-357	137	6	deposits	deposit	NOUN
ajiss-357	137	7	and	and	CCONJ
ajiss-357	137	8	the	the	DET
ajiss-357	137	9	various	various	ADJ
ajiss-357	137	10	risks	risk	NOUN
ajiss-357	137	11	faced	face	VERB
ajiss-357	137	12	by	by	ADP
ajiss-357	137	13	the	the	DET
ajiss-357	137	14	assets	asset	NOUN
ajiss-357	137	15	of	of	ADP
ajiss-357	137	16	islamic	islamic	ADJ
ajiss-357	137	17	banks	bank	NOUN
ajiss-357	137	18	makes	make	VERB
ajiss-357	137	19	the	the	DET
ajiss-357	137	20	application	application	NOUN
ajiss-357	137	21	of	of	ADP
ajiss-357	137	22	basel	basel	PROPN
ajiss-357	137	23	ii	ii	PROPN
ajiss-357	137	24	’s	’s	PART
ajiss-357	137	25	international	international	ADJ
ajiss-357	137	26	capital	capital	NOUN
ajiss-357	137	27	adequacy	adequacy	NOUN
ajiss-357	137	28	requirement	requirement	NOUN
ajiss-357	137	29	a	a	DET
ajiss-357	137	30	daunting	daunting	ADJ
ajiss-357	137	31	task	task	NOUN
ajiss-357	137	32	.	.	PUNCT
ajiss-357	138	1	but	but	CCONJ
ajiss-357	138	2	fulfilling	fulfil	VERB
ajiss-357	138	3	this	this	DET
ajiss-357	138	4	requirement	requirement	NOUN
ajiss-357	138	5	will	will	AUX
ajiss-357	138	6	ameliorate	ameliorate	VERB
ajiss-357	138	7	islamic	islamic	ADJ
ajiss-357	138	8	banking	banking	NOUN
ajiss-357	138	9	’s	’s	PART
ajiss-357	138	10	credibility	credibility	NOUN
ajiss-357	138	11	and	and	CCONJ
ajiss-357	138	12	growth	growth	NOUN
ajiss-357	138	13	because	because	SCONJ
ajiss-357	138	14	capital	capital	NOUN
ajiss-357	138	15	adequacy	adequacy	NOUN
ajiss-357	138	16	is	be	AUX
ajiss-357	138	17	internationally	internationally	ADV
ajiss-357	138	18	recognized	recognize	VERB
ajiss-357	138	19	to	to	PART
ajiss-357	138	20	be	be	AUX
ajiss-357	138	21	the	the	DET
ajiss-357	138	22	core	core	NOUN
ajiss-357	138	23	of	of	ADP
ajiss-357	138	24	systemic	systemic	ADJ
ajiss-357	138	25	safety	safety	NOUN
ajiss-357	138	26	.	.	PUNCT
ajiss-357	139	1	the	the	DET
ajiss-357	139	2	capital	capital	NOUN
ajiss-357	139	3	of	of	ADP
ajiss-357	139	4	ifis	ifis	PROPN
ajiss-357	139	5	is	be	AUX
ajiss-357	139	6	due	due	ADJ
ajiss-357	139	7	to	to	ADP
ajiss-357	139	8	the	the	DET
ajiss-357	139	9	absence	absence	NOUN
ajiss-357	139	10	of	of	ADP
ajiss-357	139	11	hybrid	hybrid	ADJ
ajiss-357	139	12	instruments	instrument	NOUN
ajiss-357	139	13	.	.	PUNCT
ajiss-357	140	1	of	of	ADP
ajiss-357	140	2	course	course	NOUN
ajiss-357	140	3	,	,	PUNCT
ajiss-357	140	4	the	the	DET
ajiss-357	140	5	investment	investment	NOUN
ajiss-357	140	6	deposits	deposit	NOUN
ajiss-357	140	7	held	hold	VERB
ajiss-357	140	8	by	by	ADP
ajiss-357	140	9	islamic	islamic	ADJ
ajiss-357	140	10	banks	bank	NOUN
ajiss-357	140	11	differ	differ	VERB
ajiss-357	140	12	in	in	ADP
ajiss-357	140	13	nature	nature	NOUN
ajiss-357	140	14	from	from	ADP
ajiss-357	140	15	those	those	PRON
ajiss-357	140	16	of	of	ADP
ajiss-357	140	17	cfis	cfis	PROPN
ajiss-357	140	18	.	.	PUNCT
ajiss-357	141	1	applying	apply	VERB
ajiss-357	141	2	basel	basel	PROPN
ajiss-357	141	3	ii	ii	PROPN
ajiss-357	141	4	’s	’s	PART
ajiss-357	141	5	capital	capital	NOUN
ajiss-357	141	6	adequacy	adequacy	NOUN
ajiss-357	141	7	standard	standard	NOUN
ajiss-357	141	8	may	may	AUX
ajiss-357	141	9	encourage	encourage	VERB
ajiss-357	141	10	them	they	PRON
ajiss-357	141	11	to	to	PART
ajiss-357	141	12	keep	keep	VERB
ajiss-357	141	13	investment	investment	NOUN
ajiss-357	141	14	deposits	deposit	NOUN
ajiss-357	141	15	off	off	ADP
ajiss-357	141	16	the	the	DET
ajiss-357	141	17	balance	balance	NOUN
ajiss-357	141	18	sheet	sheet	NOUN
ajiss-357	141	19	,	,	PUNCT
ajiss-357	141	20	a	a	DET
ajiss-357	141	21	trend	trend	NOUN
ajiss-357	141	22	that	that	PRON
ajiss-357	141	23	could	could	AUX
ajiss-357	141	24	weaken	weaken	VERB
ajiss-357	141	25	the	the	DET
ajiss-357	141	26	capital	capital	NOUN
ajiss-357	141	27	position	position	NOUN
ajiss-357	141	28	.	.	PUNCT
ajiss-357	142	1	the	the	DET
ajiss-357	142	2	accounting	accounting	NOUN
ajiss-357	142	3	and	and	CCONJ
ajiss-357	142	4	auditing	auditing	NOUN
ajiss-357	142	5	organization	organization	NOUN
ajiss-357	142	6	for	for	ADP
ajiss-357	142	7	islamic	islamic	ADJ
ajiss-357	142	8	financial	financial	PROPN
ajiss-357	142	9	institution	institution	NOUN
ajiss-357	142	10	’s	’s	PART
ajiss-357	142	11	(	(	PUNCT
ajiss-357	142	12	aaoifi	aaoifi	NOUN
ajiss-357	142	13	)	)	PUNCT
ajiss-357	142	14	requirement	requirement	NOUN
ajiss-357	142	15	that	that	SCONJ
ajiss-357	142	16	islamic	islamic	ADJ
ajiss-357	142	17	banks	bank	NOUN
ajiss-357	142	18	report	report	VERB
ajiss-357	142	19	risk	risk	NOUN
ajiss-357	142	20	-	-	PUNCT
ajiss-357	142	21	sharing	share	VERB
ajiss-357	142	22	investment	investment	NOUN
ajiss-357	142	23	deposits	deposit	NOUN
ajiss-357	142	24	on	on	ADP
ajiss-357	142	25	the	the	DET
ajiss-357	142	26	balance	balance	NOUN
ajiss-357	142	27	sheet	sheet	NOUN
ajiss-357	142	28	may	may	AUX
ajiss-357	142	29	also	also	ADV
ajiss-357	142	30	check	check	VERB
ajiss-357	142	31	that	that	DET
ajiss-357	142	32	particular	particular	ADJ
ajiss-357	142	33	trend	trend	NOUN
ajiss-357	142	34	.	.	PUNCT
ajiss-357	143	1	84	84	NUM
ajiss-357	143	2	the	the	DET
ajiss-357	143	3	american	american	PROPN
ajiss-357	143	4	journal	journal	PROPN
ajiss-357	143	5	of	of	ADP
ajiss-357	143	6	islamic	islamic	ADJ
ajiss-357	143	7	social	social	PROPN
ajiss-357	143	8	sciences	sciences	PROPN
ajiss-357	143	9	27:1	27:1	NUM
ajiss-357	143	10	ajiss-27-1-final-obay.qxp	ajiss-27-1-final-obay.qxp	PROPN
ajiss-357	143	11	6/9/2010	6/9/2010	NUM
ajiss-357	143	12	4:06	4:06	NUM
ajiss-357	143	13	pm	pm	NOUN
ajiss-357	143	14	page	page	NOUN
ajiss-357	143	15	84	84	NUM
ajiss-357	143	16	pdf	pdf	NOUN
ajiss-357	143	17	created	create	VERB
ajiss-357	143	18	with	with	ADP
ajiss-357	143	19	pdffactory	pdffactory	ADJ
ajiss-357	143	20	pro	pro	ADJ
ajiss-357	143	21	trial	trial	NOUN
ajiss-357	143	22	version	version	NOUN
ajiss-357	143	23	www.pdffactory.com	www.pdffactory.com	X
ajiss-357	143	24	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	143	25	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	144	1	this	this	PRON
ajiss-357	144	2	,	,	PUNCT
ajiss-357	144	3	in	in	ADP
ajiss-357	144	4	turn	turn	NOUN
ajiss-357	144	5	,	,	PUNCT
ajiss-357	144	6	raises	raise	VERB
ajiss-357	144	7	the	the	DET
ajiss-357	144	8	issue	issue	NOUN
ajiss-357	144	9	of	of	ADP
ajiss-357	144	10	capital	capital	NOUN
ajiss-357	144	11	adequacy	adequacy	NOUN
ajiss-357	144	12	requirements	requirement	NOUN
ajiss-357	144	13	.	.	PUNCT
ajiss-357	145	1	as	as	ADP
ajiss-357	145	2	per	per	ADP
ajiss-357	145	3	the	the	DET
ajiss-357	145	4	aaoifi	aaoifi	NOUN
ajiss-357	145	5	’s	’s	PART
ajiss-357	145	6	suggested	suggest	VERB
ajiss-357	145	7	standards,19	standards,19	NOUN
ajiss-357	145	8	the	the	DET
ajiss-357	145	9	risk	risk	NOUN
ajiss-357	145	10	of	of	ADP
ajiss-357	145	11	assets	asset	NOUN
ajiss-357	145	12	financed	finance	VERB
ajiss-357	145	13	by	by	ADP
ajiss-357	145	14	investment	investment	NOUN
ajiss-357	145	15	deposits	deposit	NOUN
ajiss-357	145	16	should	should	AUX
ajiss-357	145	17	be	be	AUX
ajiss-357	145	18	shared	share	VERB
ajiss-357	145	19	equally	equally	ADV
ajiss-357	145	20	by	by	ADP
ajiss-357	145	21	the	the	DET
ajiss-357	145	22	depositors	depositor	NOUN
ajiss-357	145	23	and	and	CCONJ
ajiss-357	145	24	investors	investor	NOUN
ajiss-357	145	25	.	.	PUNCT
ajiss-357	146	1	thus	thus	ADV
ajiss-357	146	2	,	,	PUNCT
ajiss-357	146	3	investment	investment	NOUN
ajiss-357	146	4	deposits	deposit	NOUN
ajiss-357	146	5	are	be	AUX
ajiss-357	146	6	assigned	assign	VERB
ajiss-357	146	7	a	a	DET
ajiss-357	146	8	weight	weight	NOUN
ajiss-357	146	9	of	of	ADP
ajiss-357	146	10	only	only	ADV
ajiss-357	146	11	50	50	NUM
ajiss-357	146	12	%	%	NOUN
ajiss-357	146	13	when	when	SCONJ
ajiss-357	146	14	determining	determine	VERB
ajiss-357	146	15	capital	capital	NOUN
ajiss-357	146	16	requirements	requirement	NOUN
ajiss-357	146	17	.	.	PUNCT
ajiss-357	147	1	this	this	DET
ajiss-357	147	2	weight	weight	NOUN
ajiss-357	147	3	should	should	AUX
ajiss-357	147	4	be	be	AUX
ajiss-357	147	5	raised	raise	VERB
ajiss-357	147	6	to	to	ADP
ajiss-357	147	7	100	100	NUM
ajiss-357	147	8	%	%	NOUN
ajiss-357	147	9	percent	percent	NOUN
ajiss-357	147	10	to	to	PART
ajiss-357	147	11	determine	determine	VERB
ajiss-357	147	12	capital	capital	NOUN
ajiss-357	147	13	adequacy	adequacy	NOUN
ajiss-357	147	14	,	,	PUNCT
ajiss-357	147	15	as	as	ADP
ajiss-357	147	16	per	per	ADP
ajiss-357	147	17	basel	basel	PROPN
ajiss-357	147	18	ii	ii	PROPN
ajiss-357	147	19	,	,	PUNCT
ajiss-357	147	20	in	in	ADP
ajiss-357	147	21	view	view	NOUN
ajiss-357	147	22	of	of	ADP
ajiss-357	147	23	the	the	DET
ajiss-357	147	24	following	follow	VERB
ajiss-357	147	25	reasons	reason	NOUN
ajiss-357	147	26	:	:	PUNCT
ajiss-357	147	27	a	a	DET
ajiss-357	147	28	higher	high	ADJ
ajiss-357	147	29	capital	capital	NOUN
ajiss-357	147	30	requirement	requirement	NOUN
ajiss-357	147	31	would	would	AUX
ajiss-357	147	32	increase	increase	VERB
ajiss-357	147	33	their	their	PRON
ajiss-357	147	34	acceptability	acceptability	NOUN
ajiss-357	147	35	within	within	ADP
ajiss-357	147	36	the	the	DET
ajiss-357	147	37	domain	domain	NOUN
ajiss-357	147	38	of	of	ADP
ajiss-357	147	39	international	international	ADJ
ajiss-357	147	40	financial	financial	ADJ
ajiss-357	147	41	markets	market	NOUN
ajiss-357	147	42	,	,	PUNCT
ajiss-357	147	43	where	where	SCONJ
ajiss-357	147	44	systemic	systemic	ADJ
ajiss-357	147	45	ability	ability	NOUN
ajiss-357	147	46	is	be	AUX
ajiss-357	147	47	a	a	DET
ajiss-357	147	48	primary	primary	ADJ
ajiss-357	147	49	concern	concern	NOUN
ajiss-357	147	50	;	;	PUNCT
ajiss-357	147	51	since	since	SCONJ
ajiss-357	147	52	demand	demand	NOUN
ajiss-357	147	53	deposits	deposit	NOUN
ajiss-357	147	54	in	in	ADP
ajiss-357	147	55	islamic	islamic	ADJ
ajiss-357	147	56	banks	bank	NOUN
ajiss-357	147	57	are	be	AUX
ajiss-357	147	58	proportionally	proportionally	ADV
ajiss-357	147	59	higher	high	ADJ
ajiss-357	147	60	than	than	ADP
ajiss-357	147	61	in	in	ADP
ajiss-357	147	62	cfis	cfis	NOUN
ajiss-357	147	63	,	,	PUNCT
ajiss-357	147	64	capital	capital	NOUN
ajiss-357	147	65	will	will	AUX
ajiss-357	147	66	safeguard	safeguard	VERB
ajiss-357	147	67	the	the	DET
ajiss-357	147	68	depositors	depositor	NOUN
ajiss-357	147	69	’	’	PART
ajiss-357	147	70	investments	investment	NOUN
ajiss-357	147	71	;	;	PUNCT
ajiss-357	147	72	since	since	SCONJ
ajiss-357	147	73	the	the	DET
ajiss-357	147	74	typically	typically	ADV
ajiss-357	147	75	smaller	small	ADJ
ajiss-357	147	76	islamic	islamic	ADJ
ajiss-357	147	77	banks	bank	NOUN
ajiss-357	147	78	are	be	AUX
ajiss-357	147	79	unable	unable	ADJ
ajiss-357	147	80	to	to	PART
ajiss-357	147	81	diversify	diversify	VERB
ajiss-357	147	82	their	their	PRON
ajiss-357	147	83	assets	asset	NOUN
ajiss-357	147	84	effectively	effectively	ADV
ajiss-357	147	85	like	like	ADP
ajiss-357	147	86	larger	large	ADJ
ajiss-357	147	87	institutions	institution	NOUN
ajiss-357	147	88	,	,	PUNCT
ajiss-357	147	89	more	more	ADJ
ajiss-357	147	90	capital	capital	NOUN
ajiss-357	147	91	will	will	AUX
ajiss-357	147	92	promote	promote	VERB
ajiss-357	147	93	confidence	confidence	NOUN
ajiss-357	147	94	in	in	ADP
ajiss-357	147	95	their	their	PRON
ajiss-357	147	96	viability	viability	NOUN
ajiss-357	147	97	;	;	PUNCT
ajiss-357	147	98	since	since	SCONJ
ajiss-357	147	99	there	there	PRON
ajiss-357	147	100	is	be	VERB
ajiss-357	147	101	a	a	DET
ajiss-357	147	102	greater	great	ADJ
ajiss-357	147	103	allocation	allocation	NOUN
ajiss-357	147	104	of	of	ADP
ajiss-357	147	105	investments	investment	NOUN
ajiss-357	147	106	to	to	ADP
ajiss-357	147	107	the	the	DET
ajiss-357	147	108	typically	typically	ADV
ajiss-357	147	109	riskier	risky	ADJ
ajiss-357	147	110	pls	pls	NOUN
ajiss-357	147	111	modes	mode	NOUN
ajiss-357	147	112	of	of	ADP
ajiss-357	147	113	mudarabah	mudarabah	NOUN
ajiss-357	147	114	and	and	CCONJ
ajiss-357	147	115	musharakah	musharakah	NOUN
ajiss-357	147	116	in	in	ADP
ajiss-357	147	117	the	the	DET
ajiss-357	147	118	portfolio	portfolio	NOUN
ajiss-357	147	119	,	,	PUNCT
ajiss-357	147	120	the	the	DET
ajiss-357	147	121	need	need	NOUN
ajiss-357	147	122	for	for	ADP
ajiss-357	147	123	capital	capital	NOUN
ajiss-357	147	124	may	may	AUX
ajiss-357	147	125	be	be	AUX
ajiss-357	147	126	still	still	ADV
ajiss-357	147	127	higher	high	ADJ
ajiss-357	147	128	in	in	ADP
ajiss-357	147	129	order	order	NOUN
ajiss-357	147	130	to	to	PART
ajiss-357	147	131	protect	protect	VERB
ajiss-357	147	132	demand	demand	NOUN
ajiss-357	147	133	and	and	CCONJ
ajiss-357	147	134	investment	investment	NOUN
ajiss-357	147	135	deposits	deposit	NOUN
ajiss-357	147	136	.	.	PUNCT
ajiss-357	148	1	accordingly	accordingly	ADV
ajiss-357	148	2	,	,	PUNCT
ajiss-357	148	3	the	the	DET
ajiss-357	148	4	capital	capital	NOUN
ajiss-357	148	5	requirements	requirement	NOUN
ajiss-357	148	6	should	should	AUX
ajiss-357	148	7	vary	vary	VERB
ajiss-357	148	8	based	base	VERB
ajiss-357	148	9	on	on	ADP
ajiss-357	148	10	the	the	DET
ajiss-357	148	11	risk	risk	NOUN
ajiss-357	148	12	of	of	ADP
ajiss-357	148	13	the	the	DET
ajiss-357	148	14	institutions	institution	NOUN
ajiss-357	148	15	’	'	PUNCT
ajiss-357	148	16	portfolios	portfolio	NOUN
ajiss-357	148	17	;	;	PUNCT
ajiss-357	148	18	and	and	CCONJ
ajiss-357	148	19	an	an	DET
ajiss-357	148	20	adequate	adequate	ADJ
ajiss-357	148	21	amount	amount	NOUN
ajiss-357	148	22	of	of	ADP
ajiss-357	148	23	capital	capital	NOUN
ajiss-357	148	24	is	be	AUX
ajiss-357	148	25	also	also	ADV
ajiss-357	148	26	required	require	VERB
ajiss-357	148	27	to	to	PART
ajiss-357	148	28	ensure	ensure	VERB
ajiss-357	148	29	the	the	DET
ajiss-357	148	30	availability	availability	NOUN
ajiss-357	148	31	of	of	ADP
ajiss-357	148	32	collateral	collateral	NOUN
ajiss-357	148	33	and	and	CCONJ
ajiss-357	148	34	legal	legal	ADJ
ajiss-357	148	35	facility	facility	NOUN
ajiss-357	148	36	for	for	ADP
ajiss-357	148	37	its	its	PRON
ajiss-357	148	38	hypothecation	hypothecation	NOUN
ajiss-357	148	39	,	,	PUNCT
ajiss-357	148	40	shared	share	VERB
ajiss-357	148	41	institutions	institution	NOUN
ajiss-357	148	42	,	,	PUNCT
ajiss-357	148	43	and	and	CCONJ
ajiss-357	148	44	efficient	efficient	ADJ
ajiss-357	148	45	courts	court	NOUN
ajiss-357	148	46	for	for	ADP
ajiss-357	148	47	settling	settle	VERB
ajiss-357	148	48	default	default	NOUN
ajiss-357	148	49	cases	case	NOUN
ajiss-357	148	50	promptly	promptly	ADV
ajiss-357	148	51	.	.	PUNCT
ajiss-357	149	1	separate	separate	ADJ
ajiss-357	149	2	capital	capital	NOUN
ajiss-357	149	3	standards	standard	NOUN
ajiss-357	149	4	for	for	ADP
ajiss-357	149	5	demand	demand	NOUN
ajiss-357	149	6	and	and	CCONJ
ajiss-357	149	7	investments	investment	NOUN
ajiss-357	149	8	deposits	deposit	NOUN
ajiss-357	149	9	would	would	AUX
ajiss-357	149	10	remove	remove	VERB
ajiss-357	149	11	the	the	DET
ajiss-357	149	12	interdependence	interdependence	NOUN
ajiss-357	149	13	of	of	ADP
ajiss-357	149	14	risks	risk	NOUN
ajiss-357	149	15	of	of	ADP
ajiss-357	149	16	both	both	DET
ajiss-357	149	17	types	type	NOUN
ajiss-357	149	18	of	of	ADP
ajiss-357	149	19	deposits	deposit	NOUN
ajiss-357	149	20	.	.	PUNCT
ajiss-357	150	1	since	since	SCONJ
ajiss-357	150	2	demand	demand	NOUN
ajiss-357	150	3	deposits	deposit	NOUN
ajiss-357	150	4	are	be	AUX
ajiss-357	150	5	required	require	VERB
ajiss-357	150	6	to	to	PART
ajiss-357	150	7	be	be	AUX
ajiss-357	150	8	guaranteed	guarantee	VERB
ajiss-357	150	9	and	and	CCONJ
ajiss-357	150	10	need	need	VERB
ajiss-357	150	11	more	more	ADJ
ajiss-357	150	12	protection	protection	NOUN
ajiss-357	150	13	than	than	ADP
ajiss-357	150	14	investment	investment	NOUN
ajiss-357	150	15	deposits	deposit	NOUN
ajiss-357	150	16	,	,	PUNCT
ajiss-357	150	17	it	it	PRON
ajiss-357	150	18	would	would	AUX
ajiss-357	150	19	be	be	AUX
ajiss-357	150	20	wise	wise	ADJ
ajiss-357	150	21	to	to	PART
ajiss-357	150	22	demand	demand	VERB
ajiss-357	150	23	higher	high	ADJ
ajiss-357	150	24	capital	capital	NOUN
ajiss-357	150	25	requirements	requirement	NOUN
ajiss-357	150	26	against	against	ADP
ajiss-357	150	27	these	these	DET
ajiss-357	150	28	deposits	deposit	NOUN
ajiss-357	150	29	.	.	PUNCT
ajiss-357	151	1	the	the	DET
ajiss-357	151	2	two	two	NUM
ajiss-357	151	3	alternatives	alternative	NOUN
ajiss-357	151	4	regarding	regard	VERB
ajiss-357	151	5	capital	capital	NOUN
ajiss-357	151	6	adequacy	adequacy	NOUN
ajiss-357	151	7	are	be	AUX
ajiss-357	151	8	as	as	SCONJ
ajiss-357	151	9	follows	follow	VERB
ajiss-357	151	10	:	:	PUNCT
ajiss-357	151	11	either	either	CCONJ
ajiss-357	151	12	keep	keep	VERB
ajiss-357	151	13	demand	demand	NOUN
ajiss-357	151	14	deposits	deposit	NOUN
ajiss-357	151	15	in	in	ADP
ajiss-357	151	16	the	the	DET
ajiss-357	151	17	banking	banking	NOUN
ajiss-357	151	18	book	book	NOUN
ajiss-357	151	19	and	and	CCONJ
ajiss-357	151	20	investment	investment	NOUN
ajiss-357	151	21	deposits	deposit	NOUN
ajiss-357	151	22	in	in	ADP
ajiss-357	151	23	the	the	DET
ajiss-357	151	24	trading	trading	NOUN
ajiss-357	151	25	book	book	NOUN
ajiss-357	151	26	requiring	require	VERB
ajiss-357	151	27	separate	separate	ADJ
ajiss-357	151	28	capital	capital	NOUN
ajiss-357	151	29	adequacy	adequacy	NOUN
ajiss-357	151	30	requirements	requirement	NOUN
ajiss-357	151	31	,	,	PUNCT
ajiss-357	151	32	or	or	CCONJ
ajiss-357	151	33	pool	pool	NOUN
ajiss-357	151	34	“	"	PUNCT
ajiss-357	151	35	investment	investment	NOUN
ajiss-357	151	36	”	"	PUNCT
ajiss-357	151	37	deposits	deposit	NOUN
ajiss-357	151	38	into	into	ADP
ajiss-357	151	39	securities	security	NOUN
ajiss-357	151	40	as	as	ADP
ajiss-357	151	41	subsidiary	subsidiary	NOUN
ajiss-357	151	42	of	of	ADP
ajiss-357	151	43	the	the	DET
ajiss-357	151	44	bank	bank	NOUN
ajiss-357	151	45	with	with	ADP
ajiss-357	151	46	separate	separate	ADJ
ajiss-357	151	47	capital	capital	NOUN
ajiss-357	151	48	adequacy	adequacy	NOUN
ajiss-357	151	49	requirements	requirement	NOUN
ajiss-357	151	50	.	.	PUNCT
ajiss-357	152	1	both	both	DET
ajiss-357	152	2	alternatives	alternative	NOUN
ajiss-357	152	3	enhance	enhance	VERB
ajiss-357	152	4	transparency	transparency	NOUN
ajiss-357	152	5	and	and	CCONJ
ajiss-357	152	6	eliminate	eliminate	VERB
ajiss-357	152	7	the	the	DET
ajiss-357	152	8	number	number	NOUN
ajiss-357	152	9	of	of	ADP
ajiss-357	152	10	legal	legal	ADJ
ajiss-357	152	11	objections	objection	NOUN
ajiss-357	152	12	to	to	ADP
ajiss-357	152	13	the	the	DET
ajiss-357	152	14	nature	nature	NOUN
ajiss-357	152	15	and	and	CCONJ
ajiss-357	152	16	practices	practice	NOUN
ajiss-357	152	17	of	of	ADP
ajiss-357	152	18	islamic	islamic	ADJ
ajiss-357	152	19	banks	bank	NOUN
ajiss-357	152	20	.	.	PUNCT
ajiss-357	153	1	besides	besides	SCONJ
ajiss-357	153	2	,	,	PUNCT
ajiss-357	153	3	these	these	DET
ajiss-357	153	4	alternatives	alternative	NOUN
ajiss-357	153	5	will	will	AUX
ajiss-357	153	6	make	make	VERB
ajiss-357	153	7	it	it	PRON
ajiss-357	153	8	easier	easy	ADJ
ajiss-357	153	9	to	to	PART
ajiss-357	153	10	treat	treat	VERB
ajiss-357	153	11	investment	investment	NOUN
ajiss-357	153	12	deposits	deposit	NOUN
ajiss-357	153	13	while	while	SCONJ
ajiss-357	153	14	applying	apply	VERB
ajiss-357	153	15	the	the	DET
ajiss-357	153	16	basel	basel	PROPN
ajiss-357	153	17	ii	ii	PROPN
ajiss-357	153	18	capital	capital	PROPN
ajiss-357	153	19	adequacy	adequacy	NOUN
ajiss-357	153	20	standards	standard	NOUN
ajiss-357	153	21	.	.	PUNCT
ajiss-357	154	1	separating	separate	VERB
ajiss-357	154	2	the	the	DET
ajiss-357	154	3	depository	depository	NOUN
ajiss-357	154	4	function	function	NOUN
ajiss-357	154	5	from	from	ADP
ajiss-357	154	6	the	the	DET
ajiss-357	154	7	investments	investment	NOUN
ajiss-357	154	8	function	function	NOUN
ajiss-357	154	9	will	will	AUX
ajiss-357	154	10	increase	increase	VERB
ajiss-357	154	11	the	the	DET
ajiss-357	154	12	credibility	credibility	NOUN
ajiss-357	154	13	and	and	CCONJ
ajiss-357	154	14	acceptability	acceptability	NOUN
ajiss-357	154	15	of	of	ADP
ajiss-357	154	16	the	the	DET
ajiss-357	154	17	islamic	islamic	ADJ
ajiss-357	154	18	financial	financial	ADJ
ajiss-357	154	19	system	system	NOUN
ajiss-357	154	20	under	under	ADP
ajiss-357	154	21	almost	almost	ADV
ajiss-357	154	22	all	all	PRON
ajiss-357	154	23	jurisdictions	jurisdiction	NOUN
ajiss-357	154	24	.	.	PUNCT
ajiss-357	155	1	the	the	DET
ajiss-357	155	2	irb	irb	PROPN
ajiss-357	155	3	approach	approach	NOUN
ajiss-357	155	4	of	of	ADP
ajiss-357	155	5	basel	basel	PROPN
ajiss-357	155	6	ii	ii	PROPN
ajiss-357	155	7	is	be	AUX
ajiss-357	155	8	preferable	preferable	ADJ
ajiss-357	155	9	for	for	ADP
ajiss-357	155	10	risk	risk	NOUN
ajiss-357	155	11	weighting	weighting	NOUN
ajiss-357	155	12	,	,	PUNCT
ajiss-357	155	13	because	because	SCONJ
ajiss-357	155	14	it	it	PRON
ajiss-357	155	15	evaluates	evaluate	VERB
ajiss-357	155	16	assets	asset	NOUN
ajiss-357	155	17	individually	individually	ADV
ajiss-357	155	18	when	when	SCONJ
ajiss-357	155	19	computing	compute	VERB
ajiss-357	155	20	the	the	DET
ajiss-357	155	21	overall	overall	ADJ
ajiss-357	155	22	capital	capital	NOUN
ajiss-357	155	23	requirements	requirement	NOUN
ajiss-357	155	24	and	and	CCONJ
ajiss-357	155	25	due	due	ADP
ajiss-357	155	26	to	to	ADP
ajiss-357	155	27	differences	difference	NOUN
ajiss-357	155	28	in	in	ADP
ajiss-357	155	29	islamic	islamic	ADJ
ajiss-357	155	30	modes	mode	NOUN
ajiss-357	155	31	of	of	ADP
ajiss-357	155	32	financing	financing	NOUN
ajiss-357	155	33	.	.	PUNCT
ajiss-357	156	1	an	an	DET
ajiss-357	156	2	index	index	NOUN
ajiss-357	156	3	of	of	ADP
ajiss-357	156	4	the	the	DET
ajiss-357	156	5	hassan	hassan	PROPN
ajiss-357	156	6	and	and	CCONJ
ajiss-357	156	7	chowdhury	chowdhury	PROPN
ajiss-357	156	8	:	:	PUNCT
ajiss-357	156	9	islamic	islamic	ADJ
ajiss-357	156	10	banking	banking	NOUN
ajiss-357	156	11	regulations	regulation	NOUN
ajiss-357	156	12	85	85	NUM
ajiss-357	156	13	ajiss-27-1-final-obay.qxp	ajiss-27-1-final-obay.qxp	PROPN
ajiss-357	156	14	6/9/2010	6/9/2010	NOUN
ajiss-357	156	15	4:06	4:06	NUM
ajiss-357	156	16	pm	pm	NOUN
ajiss-357	156	17	page	page	NOUN
ajiss-357	156	18	85	85	NUM
ajiss-357	156	19	pdf	pdf	NOUN
ajiss-357	156	20	created	create	VERB
ajiss-357	156	21	with	with	ADP
ajiss-357	156	22	pdffactory	pdffactory	ADJ
ajiss-357	156	23	pro	pro	ADJ
ajiss-357	156	24	trial	trial	NOUN
ajiss-357	156	25	version	version	NOUN
ajiss-357	156	26	www.pdffactory.com	www.pdffactory.com	X
ajiss-357	156	27	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	156	28	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	157	1	assets	asset	NOUN
ajiss-357	157	2	can	can	AUX
ajiss-357	157	3	then	then	ADV
ajiss-357	157	4	be	be	AUX
ajiss-357	157	5	developed	develop	VERB
ajiss-357	157	6	and	and	CCONJ
ajiss-357	157	7	used	use	VERB
ajiss-357	157	8	to	to	PART
ajiss-357	157	9	determine	determine	VERB
ajiss-357	157	10	the	the	DET
ajiss-357	157	11	capital	capital	NOUN
ajiss-357	157	12	requirements	requirement	NOUN
ajiss-357	157	13	for	for	ADP
ajiss-357	157	14	each	each	DET
ajiss-357	157	15	asset	asset	NOUN
ajiss-357	157	16	.	.	PUNCT
ajiss-357	158	1	this	this	DET
ajiss-357	158	2	approach	approach	NOUN
ajiss-357	158	3	will	will	AUX
ajiss-357	158	4	,	,	PUNCT
ajiss-357	158	5	however	however	ADV
ajiss-357	158	6	,	,	PUNCT
ajiss-357	158	7	require	require	VERB
ajiss-357	158	8	additional	additional	ADJ
ajiss-357	158	9	risk	risk	NOUN
ajiss-357	158	10	management	management	NOUN
ajiss-357	158	11	and	and	CCONJ
ajiss-357	158	12	resources	resource	VERB
ajiss-357	158	13	supervisory	supervisory	ADJ
ajiss-357	158	14	approval	approval	NOUN
ajiss-357	158	15	.	.	PUNCT
ajiss-357	159	1	securing	secure	VERB
ajiss-357	159	2	supervisory	supervisory	ADJ
ajiss-357	159	3	approval	approval	NOUN
ajiss-357	159	4	may	may	AUX
ajiss-357	159	5	not	not	PART
ajiss-357	159	6	be	be	AUX
ajiss-357	159	7	easy	easy	ADJ
ajiss-357	159	8	,	,	PUNCT
ajiss-357	159	9	due	due	ADP
ajiss-357	159	10	to	to	ADP
ajiss-357	159	11	the	the	DET
ajiss-357	159	12	islamic	islamic	ADJ
ajiss-357	159	13	banks	bank	NOUN
ajiss-357	159	14	’	’	PART
ajiss-357	159	15	size	size	NOUN
ajiss-357	159	16	and	and	CCONJ
ajiss-357	159	17	insufficient	insufficient	ADJ
ajiss-357	159	18	risk	risk	NOUN
ajiss-357	159	19	management	management	NOUN
ajiss-357	159	20	capabilities	capability	NOUN
ajiss-357	159	21	.	.	PUNCT
ajiss-357	160	1	therefore	therefore	ADV
ajiss-357	160	2	,	,	PUNCT
ajiss-357	160	3	most	most	ADJ
ajiss-357	160	4	of	of	ADP
ajiss-357	160	5	them	they	PRON
ajiss-357	160	6	will	will	AUX
ajiss-357	160	7	have	have	VERB
ajiss-357	160	8	to	to	PART
ajiss-357	160	9	be	be	AUX
ajiss-357	160	10	supervised	supervise	VERB
ajiss-357	160	11	initially	initially	ADV
ajiss-357	160	12	within	within	ADP
ajiss-357	160	13	the	the	DET
ajiss-357	160	14	framework	framework	NOUN
ajiss-357	160	15	of	of	ADP
ajiss-357	160	16	the	the	DET
ajiss-357	160	17	standardized	standardized	ADJ
ajiss-357	160	18	approach	approach	NOUN
ajiss-357	160	19	(	(	PUNCT
ajiss-357	160	20	based	base	VERB
ajiss-357	160	21	on	on	ADP
ajiss-357	160	22	an	an	DET
ajiss-357	160	23	external	external	ADJ
ajiss-357	160	24	credit	credit	NOUN
ajiss-357	160	25	assessment	assessment	NOUN
ajiss-357	160	26	)	)	PUNCT
ajiss-357	160	27	.	.	PUNCT
ajiss-357	161	1	the	the	DET
ajiss-357	161	2	lack	lack	NOUN
ajiss-357	161	3	of	of	ADP
ajiss-357	161	4	ratings	rating	NOUN
ajiss-357	161	5	for	for	ADP
ajiss-357	161	6	most	most	ADJ
ajiss-357	161	7	of	of	ADP
ajiss-357	161	8	the	the	DET
ajiss-357	161	9	islamic	islamic	ADJ
ajiss-357	161	10	banks	bank	NOUN
ajiss-357	161	11	’	'	PUNCT
ajiss-357	161	12	clients	client	NOUN
ajiss-357	161	13	has	have	AUX
ajiss-357	161	14	led	lead	VERB
ajiss-357	161	15	to	to	ADP
ajiss-357	161	16	the	the	DET
ajiss-357	161	17	assignment	assignment	NOUN
ajiss-357	161	18	of	of	ADP
ajiss-357	161	19	100	100	NUM
ajiss-357	161	20	percent	percent	NOUN
ajiss-357	161	21	risk	risk	NOUN
ajiss-357	161	22	-	-	PUNCT
ajiss-357	161	23	weights	weight	NOUN
ajiss-357	161	24	to	to	ADP
ajiss-357	161	25	assets	asset	NOUN
ajiss-357	161	26	for	for	ADP
ajiss-357	161	27	which	which	PRON
ajiss-357	161	28	no	no	DET
ajiss-357	161	29	external	external	ADJ
ajiss-357	161	30	rating	rating	NOUN
ajiss-357	161	31	is	be	AUX
ajiss-357	161	32	available	available	ADJ
ajiss-357	161	33	.	.	PUNCT
ajiss-357	162	1	this	this	PRON
ajiss-357	162	2	is	be	AUX
ajiss-357	162	3	another	another	DET
ajiss-357	162	4	disadvantage	disadvantage	NOUN
ajiss-357	162	5	of	of	ADP
ajiss-357	162	6	this	this	DET
ajiss-357	162	7	approach	approach	NOUN
ajiss-357	162	8	,	,	PUNCT
ajiss-357	162	9	one	one	NOUN
ajiss-357	162	10	that	that	PRON
ajiss-357	162	11	stresses	stress	VERB
ajiss-357	162	12	the	the	DET
ajiss-357	162	13	need	need	NOUN
ajiss-357	162	14	for	for	SCONJ
ajiss-357	162	15	islamic	islamic	ADJ
ajiss-357	162	16	banks	bank	NOUN
ajiss-357	162	17	to	to	PART
ajiss-357	162	18	adopt	adopt	VERB
ajiss-357	162	19	the	the	DET
ajiss-357	162	20	irb	irb	NOUN
ajiss-357	162	21	approach	approach	NOUN
ajiss-357	162	22	.	.	PUNCT
ajiss-357	163	1	although	although	SCONJ
ajiss-357	163	2	it	it	PRON
ajiss-357	163	3	is	be	AUX
ajiss-357	163	4	too	too	ADV
ajiss-357	163	5	early	early	ADJ
ajiss-357	163	6	for	for	SCONJ
ajiss-357	163	7	them	they	PRON
ajiss-357	163	8	to	to	PART
ajiss-357	163	9	adopt	adopt	VERB
ajiss-357	163	10	the	the	DET
ajiss-357	163	11	model	model	NOUN
ajiss-357	163	12	-	-	PUNCT
ajiss-357	163	13	based	base	VERB
ajiss-357	163	14	approach	approach	NOUN
ajiss-357	163	15	,	,	PUNCT
ajiss-357	163	16	they	they	PRON
ajiss-357	163	17	should	should	AUX
ajiss-357	163	18	nevertheless	nevertheless	ADV
ajiss-357	163	19	become	become	VERB
ajiss-357	163	20	familiar	familiar	ADJ
ajiss-357	163	21	with	with	ADP
ajiss-357	163	22	it	it	PRON
ajiss-357	163	23	and	and	CCONJ
ajiss-357	163	24	build	build	VERB
ajiss-357	163	25	up	up	ADP
ajiss-357	163	26	their	their	PRON
ajiss-357	163	27	infrastructure	infrastructure	NOUN
ajiss-357	163	28	and	and	CCONJ
ajiss-357	163	29	capability	capability	NOUN
ajiss-357	163	30	to	to	PART
ajiss-357	163	31	apply	apply	VERB
ajiss-357	163	32	a	a	DET
ajiss-357	163	33	computer	computer	NOUN
ajiss-357	163	34	-	-	PUNCT
ajiss-357	163	35	based	base	VERB
ajiss-357	163	36	model	model	NOUN
ajiss-357	163	37	at	at	ADP
ajiss-357	163	38	some	some	DET
ajiss-357	163	39	time	time	NOUN
ajiss-357	163	40	in	in	ADP
ajiss-357	163	41	the	the	DET
ajiss-357	163	42	future	future	NOUN
ajiss-357	163	43	.	.	PUNCT
ajiss-357	164	1	regulating	regulate	VERB
ajiss-357	164	2	the	the	DET
ajiss-357	164	3	capital	capital	NOUN
ajiss-357	164	4	of	of	ADP
ajiss-357	164	5	islamic	islamic	ADJ
ajiss-357	164	6	banks	bank	NOUN
ajiss-357	164	7	the	the	DET
ajiss-357	164	8	islamic	islamic	PROPN
ajiss-357	164	9	financial	financial	PROPN
ajiss-357	164	10	services	services	PROPN
ajiss-357	164	11	board	board	PROPN
ajiss-357	164	12	(	(	PUNCT
ajiss-357	164	13	ifsb	ifsb	NOUN
ajiss-357	164	14	)	)	PUNCT
ajiss-357	164	15	has	have	AUX
ajiss-357	164	16	made	make	VERB
ajiss-357	164	17	a	a	DET
ajiss-357	164	18	capital	capital	NOUN
ajiss-357	164	19	adequacy	adequacy	NOUN
ajiss-357	164	20	pronouncement	pronouncement	NOUN
ajiss-357	164	21	for	for	ADP
ajiss-357	164	22	all	all	DET
ajiss-357	164	23	ifis20	ifis20	NOUN
ajiss-357	164	24	that	that	PRON
ajiss-357	164	25	allows	allow	VERB
ajiss-357	164	26	the	the	DET
ajiss-357	164	27	collection	collection	NOUN
ajiss-357	164	28	and	and	CCONJ
ajiss-357	164	29	utilization	utilization	NOUN
ajiss-357	164	30	of	of	ADP
ajiss-357	164	31	deposits	deposit	NOUN
ajiss-357	164	32	as	as	ADP
ajiss-357	164	33	credits	credit	NOUN
ajiss-357	164	34	in	in	ADP
ajiss-357	164	35	accordance	accordance	NOUN
ajiss-357	164	36	with	with	ADP
ajiss-357	164	37	the	the	DET
ajiss-357	164	38	shari`ah	shari`ah	PROPN
ajiss-357	164	39	.	.	PUNCT
ajiss-357	165	1	this	this	DET
ajiss-357	165	2	revision	revision	NOUN
ajiss-357	165	3	is	be	AUX
ajiss-357	165	4	of	of	ADP
ajiss-357	165	5	critical	critical	ADJ
ajiss-357	165	6	importance	importance	NOUN
ajiss-357	165	7	to	to	PART
ajiss-357	165	8	ifis	ifis	PROPN
ajiss-357	165	9	,	,	PUNCT
ajiss-357	165	10	due	due	ADP
ajiss-357	165	11	to	to	ADP
ajiss-357	165	12	the	the	DET
ajiss-357	165	13	atypical	atypical	ADJ
ajiss-357	165	14	nature	nature	NOUN
ajiss-357	165	15	of	of	ADP
ajiss-357	165	16	their	their	PRON
ajiss-357	165	17	financial	financial	ADJ
ajiss-357	165	18	structure	structure	NOUN
ajiss-357	165	19	,	,	PUNCT
ajiss-357	165	20	for	for	SCONJ
ajiss-357	165	21	it	it	PRON
ajiss-357	165	22	provides	provide	VERB
ajiss-357	165	23	them	they	PRON
ajiss-357	165	24	with	with	ADP
ajiss-357	165	25	valuable	valuable	ADJ
ajiss-357	165	26	guidelines	guideline	NOUN
ajiss-357	165	27	on	on	ADP
ajiss-357	165	28	how	how	SCONJ
ajiss-357	165	29	to	to	PART
ajiss-357	165	30	devise	devise	VERB
ajiss-357	165	31	regulations	regulation	NOUN
ajiss-357	165	32	,	,	PUNCT
ajiss-357	165	33	risk	risk	NOUN
ajiss-357	165	34	measurement	measurement	NOUN
ajiss-357	165	35	and	and	CCONJ
ajiss-357	165	36	identification	identification	NOUN
ajiss-357	165	37	mechanisms	mechanism	NOUN
ajiss-357	165	38	,	,	PUNCT
ajiss-357	165	39	and	and	CCONJ
ajiss-357	165	40	adapt	adapt	VERB
ajiss-357	165	41	themselves	themselves	PRON
ajiss-357	165	42	to	to	ADP
ajiss-357	165	43	international	international	ADJ
ajiss-357	165	44	rules	rule	NOUN
ajiss-357	165	45	and	and	CCONJ
ajiss-357	165	46	best	good	ADJ
ajiss-357	165	47	practices	practice	NOUN
ajiss-357	165	48	to	to	PART
ajiss-357	165	49	ensure	ensure	VERB
ajiss-357	165	50	strict	strict	ADJ
ajiss-357	165	51	shari`ah	shari`ah	NOUN
ajiss-357	165	52	compliance.21	compliance.21	VERB
ajiss-357	165	53	the	the	DET
ajiss-357	165	54	upshot	upshot	NOUN
ajiss-357	165	55	is	be	AUX
ajiss-357	165	56	an	an	DET
ajiss-357	165	57	incessant	incessant	ADJ
ajiss-357	165	58	engagement	engagement	NOUN
ajiss-357	165	59	in	in	ADP
ajiss-357	165	60	cross	cross	ADJ
ajiss-357	165	61	-	-	ADJ
ajiss-357	165	62	border	border	ADJ
ajiss-357	165	63	financial	financial	ADJ
ajiss-357	165	64	activities	activity	NOUN
ajiss-357	165	65	.	.	PUNCT
ajiss-357	166	1	the	the	DET
ajiss-357	166	2	ifsb	ifsb	NOUN
ajiss-357	166	3	largely	largely	ADV
ajiss-357	166	4	adopted	adopt	VERB
ajiss-357	166	5	a	a	DET
ajiss-357	166	6	complex	complex	ADJ
ajiss-357	166	7	basel	basel	PROPN
ajiss-357	166	8	ii	ii	PROPN
ajiss-357	166	9	capital	capital	PROPN
ajiss-357	166	10	adequacy	adequacy	NOUN
ajiss-357	166	11	standard	standard	NOUN
ajiss-357	166	12	and	and	CCONJ
ajiss-357	166	13	then	then	ADV
ajiss-357	166	14	simplified	simplify	VERB
ajiss-357	166	15	it	it	PRON
ajiss-357	166	16	into	into	ADP
ajiss-357	166	17	a	a	DET
ajiss-357	166	18	comprehensible	comprehensible	ADJ
ajiss-357	166	19	and	and	CCONJ
ajiss-357	166	20	plausible	plausible	ADJ
ajiss-357	166	21	standard	standard	NOUN
ajiss-357	166	22	based	base	VERB
ajiss-357	166	23	on	on	ADP
ajiss-357	166	24	the	the	DET
ajiss-357	166	25	shari`ah	shari`ah	PROPN
ajiss-357	166	26	and	and	CCONJ
ajiss-357	166	27	with	with	ADP
ajiss-357	166	28	minor	minor	ADJ
ajiss-357	166	29	differences	difference	NOUN
ajiss-357	166	30	in	in	ADP
ajiss-357	166	31	methodology.22	methodology.22	NOUN
ajiss-357	166	32	the	the	DET
ajiss-357	166	33	fundamental	fundamental	ADJ
ajiss-357	166	34	principles	principle	NOUN
ajiss-357	166	35	,	,	PUNCT
ajiss-357	166	36	however	however	ADV
ajiss-357	166	37	,	,	PUNCT
ajiss-357	166	38	are	be	AUX
ajiss-357	166	39	firmly	firmly	ADV
ajiss-357	166	40	engraved	engrave	VERB
ajiss-357	166	41	in	in	ADP
ajiss-357	166	42	the	the	DET
ajiss-357	166	43	shari`ah	shari`ah	PROPN
ajiss-357	166	44	.	.	PUNCT
ajiss-357	167	1	the	the	DET
ajiss-357	167	2	ifsb	ifsb	NOUN
ajiss-357	167	3	deviated	deviate	VERB
ajiss-357	167	4	from	from	ADP
ajiss-357	167	5	basel	basel	PROPN
ajiss-357	167	6	ii	ii	PROPN
ajiss-357	167	7	’s	’s	PART
ajiss-357	167	8	structured	structured	ADJ
ajiss-357	167	9	and	and	CCONJ
ajiss-357	167	10	sequential	sequential	ADJ
ajiss-357	167	11	approach	approach	NOUN
ajiss-357	167	12	to	to	ADP
ajiss-357	167	13	capital	capital	NOUN
ajiss-357	167	14	adequacy	adequacy	NOUN
ajiss-357	167	15	by	by	ADP
ajiss-357	167	16	starting	start	VERB
ajiss-357	167	17	off	off	ADP
ajiss-357	167	18	with	with	ADP
ajiss-357	167	19	the	the	DET
ajiss-357	167	20	standard	standard	ADJ
ajiss-357	167	21	approach	approach	NOUN
ajiss-357	167	22	as	as	SCONJ
ajiss-357	167	23	regards	regard	VERB
ajiss-357	167	24	credit	credit	NOUN
ajiss-357	167	25	risk	risk	NOUN
ajiss-357	167	26	management	management	NOUN
ajiss-357	167	27	,	,	PUNCT
ajiss-357	167	28	which	which	PRON
ajiss-357	167	29	it	it	PRON
ajiss-357	167	30	follows	follow	VERB
ajiss-357	167	31	with	with	ADP
ajiss-357	167	32	an	an	DET
ajiss-357	167	33	indicator	indicator	NOUN
ajiss-357	167	34	approach	approach	NOUN
ajiss-357	167	35	for	for	ADP
ajiss-357	167	36	operational	operational	ADJ
ajiss-357	167	37	risk	risk	NOUN
ajiss-357	167	38	management.23	management.23	PROPN
ajiss-357	167	39	this	this	DET
ajiss-357	167	40	board	board	NOUN
ajiss-357	167	41	also	also	ADV
ajiss-357	167	42	advocates	advocate	VERB
ajiss-357	167	43	the	the	DET
ajiss-357	167	44	gradual	gradual	ADJ
ajiss-357	167	45	adoption	adoption	NOUN
ajiss-357	167	46	of	of	ADP
ajiss-357	167	47	an	an	DET
ajiss-357	167	48	internal	internal	ADJ
ajiss-357	167	49	rating	rating	NOUN
ajiss-357	167	50	based	base	VERB
ajiss-357	167	51	(	(	PUNCT
ajiss-357	167	52	irb	irb	PROPN
ajiss-357	167	53	)	)	PUNCT
ajiss-357	167	54	approach	approach	NOUN
ajiss-357	167	55	by	by	ADP
ajiss-357	167	56	regulatory	regulatory	ADJ
ajiss-357	167	57	authorities	authority	NOUN
ajiss-357	167	58	,	,	PUNCT
ajiss-357	167	59	for	for	ADP
ajiss-357	167	60	this	this	DET
ajiss-357	167	61	approach	approach	NOUN
ajiss-357	167	62	has	have	VERB
ajiss-357	167	63	immediate	immediate	ADJ
ajiss-357	167	64	implications	implication	NOUN
ajiss-357	167	65	with	with	ADP
ajiss-357	167	66	respect	respect	NOUN
ajiss-357	167	67	to	to	ADP
ajiss-357	167	68	coverage	coverage	NOUN
ajiss-357	167	69	for	for	ADP
ajiss-357	167	70	risk	risk	NOUN
ajiss-357	167	71	mitigation	mitigation	NOUN
ajiss-357	167	72	techniques	technique	NOUN
ajiss-357	167	73	,	,	PUNCT
ajiss-357	167	74	collateral	collateral	NOUN
ajiss-357	167	75	,	,	PUNCT
ajiss-357	167	76	derivatives	derivative	NOUN
ajiss-357	167	77	instruments	instrument	NOUN
ajiss-357	167	78	for	for	ADP
ajiss-357	167	79	hedging	hedging	NOUN
ajiss-357	167	80	risk	risk	NOUN
ajiss-357	167	81	,	,	PUNCT
ajiss-357	167	82	benefits	benefit	NOUN
ajiss-357	167	83	for	for	ADP
ajiss-357	167	84	a	a	DET
ajiss-357	167	85	small	small	ADJ
ajiss-357	167	86	and	and	CCONJ
ajiss-357	167	87	medium	medium	ADJ
ajiss-357	167	88	enterprise	enterprise	NOUN
ajiss-357	167	89	(	(	PUNCT
ajiss-357	167	90	sme	sme	NOUN
ajiss-357	167	91	)	)	PUNCT
ajiss-357	167	92	,	,	PUNCT
ajiss-357	167	93	and	and	CCONJ
ajiss-357	167	94	retail	retail	ADJ
ajiss-357	167	95	lending	lending	NOUN
ajiss-357	167	96	and	and	CCONJ
ajiss-357	167	97	benefit	benefit	NOUN
ajiss-357	167	98	for	for	ADP
ajiss-357	167	99	the	the	DET
ajiss-357	167	100	equity	equity	NOUN
ajiss-357	167	101	participation	participation	NOUN
ajiss-357	167	102	procedures	procedure	NOUN
ajiss-357	167	103	applied	apply	VERB
ajiss-357	167	104	by	by	ADP
ajiss-357	167	105	ifis.24	ifis.24	NOUN
ajiss-357	167	106	86	86	NUM
ajiss-357	167	107	the	the	DET
ajiss-357	167	108	american	american	PROPN
ajiss-357	167	109	journal	journal	PROPN
ajiss-357	167	110	of	of	ADP
ajiss-357	167	111	islamic	islamic	ADJ
ajiss-357	167	112	social	social	PROPN
ajiss-357	167	113	sciences	sciences	PROPN
ajiss-357	167	114	27:1	27:1	NUM
ajiss-357	167	115	ajiss-27-1-final-obay.qxp	ajiss-27-1-final-obay.qxp	PROPN
ajiss-357	167	116	6/9/2010	6/9/2010	NUM
ajiss-357	167	117	4:06	4:06	NUM
ajiss-357	167	118	pm	pm	NOUN
ajiss-357	167	119	page	page	NOUN
ajiss-357	167	120	86	86	NUM
ajiss-357	167	121	pdf	pdf	NOUN
ajiss-357	167	122	created	create	VERB
ajiss-357	167	123	with	with	ADP
ajiss-357	167	124	pdffactory	pdffactory	ADJ
ajiss-357	167	125	pro	pro	ADJ
ajiss-357	167	126	trial	trial	NOUN
ajiss-357	167	127	version	version	NOUN
ajiss-357	167	128	www.pdffactory.com	www.pdffactory.com	X
ajiss-357	167	129	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	167	130	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	168	1	implementing	implement	VERB
ajiss-357	168	2	the	the	DET
ajiss-357	168	3	revised	revise	VERB
ajiss-357	168	4	ifsb	ifsb	NOUN
ajiss-357	168	5	standard	standard	NOUN
ajiss-357	168	6	is	be	AUX
ajiss-357	168	7	not	not	PART
ajiss-357	168	8	without	without	ADP
ajiss-357	168	9	its	its	PRON
ajiss-357	168	10	hurdles	hurdle	NOUN
ajiss-357	168	11	.	.	PUNCT
ajiss-357	169	1	for	for	ADP
ajiss-357	169	2	example	example	NOUN
ajiss-357	169	3	,	,	PUNCT
ajiss-357	169	4	islamic	islamic	ADJ
ajiss-357	169	5	banks	bank	NOUN
ajiss-357	169	6	do	do	AUX
ajiss-357	169	7	not	not	PART
ajiss-357	169	8	have	have	VERB
ajiss-357	169	9	sufficient	sufficient	ADJ
ajiss-357	169	10	expertise	expertise	NOUN
ajiss-357	169	11	in	in	ADP
ajiss-357	169	12	this	this	DET
ajiss-357	169	13	field	field	NOUN
ajiss-357	169	14	,	,	PUNCT
ajiss-357	169	15	the	the	DET
ajiss-357	169	16	existing	exist	VERB
ajiss-357	169	17	legal	legal	ADJ
ajiss-357	169	18	framework	framework	NOUN
ajiss-357	169	19	was	be	AUX
ajiss-357	169	20	not	not	PART
ajiss-357	169	21	designed	design	VERB
ajiss-357	169	22	to	to	PART
ajiss-357	169	23	incorporate	incorporate	VERB
ajiss-357	169	24	the	the	DET
ajiss-357	169	25	necessary	necessary	ADJ
ajiss-357	169	26	adjustments	adjustment	NOUN
ajiss-357	169	27	needed	need	VERB
ajiss-357	169	28	to	to	PART
ajiss-357	169	29	reflect	reflect	VERB
ajiss-357	169	30	the	the	DET
ajiss-357	169	31	country	country	NOUN
ajiss-357	169	32	-	-	PUNCT
ajiss-357	169	33	specific	specific	ADJ
ajiss-357	169	34	features	feature	NOUN
ajiss-357	169	35	of	of	ADP
ajiss-357	169	36	the	the	DET
ajiss-357	169	37	islamic	islamic	ADJ
ajiss-357	169	38	financial	financial	ADJ
ajiss-357	169	39	system	system	NOUN
ajiss-357	169	40	,	,	PUNCT
ajiss-357	169	41	and	and	CCONJ
ajiss-357	169	42	the	the	DET
ajiss-357	169	43	special	special	ADJ
ajiss-357	169	44	attention	attention	NOUN
ajiss-357	169	45	that	that	PRON
ajiss-357	169	46	needs	need	VERB
ajiss-357	169	47	to	to	PART
ajiss-357	169	48	be	be	AUX
ajiss-357	169	49	accorded	accord	VERB
ajiss-357	169	50	to	to	ADP
ajiss-357	169	51	investment	investment	NOUN
ajiss-357	169	52	accounts	account	NOUN
ajiss-357	169	53	where	where	SCONJ
ajiss-357	169	54	the	the	DET
ajiss-357	169	55	direct	direct	ADJ
ajiss-357	169	56	absorption	absorption	NOUN
ajiss-357	169	57	of	of	ADP
ajiss-357	169	58	all	all	DET
ajiss-357	169	59	investment	investment	NOUN
ajiss-357	169	60	risk	risk	NOUN
ajiss-357	169	61	is	be	AUX
ajiss-357	169	62	debatable	debatable	ADJ
ajiss-357	169	63	further	far	ADV
ajiss-357	169	64	complicates	complicate	VERB
ajiss-357	169	65	the	the	DET
ajiss-357	169	66	matter.25	matter.25	NOUN
ajiss-357	169	67	the	the	DET
ajiss-357	169	68	islamic	islamic	PROPN
ajiss-357	169	69	development	development	PROPN
ajiss-357	169	70	bank	bank	PROPN
ajiss-357	169	71	and	and	CCONJ
ajiss-357	169	72	shari`ah	shari`ah	PROPN
ajiss-357	169	73	scholars	scholar	NOUN
ajiss-357	169	74	representing	represent	VERB
ajiss-357	169	75	central	central	ADJ
ajiss-357	169	76	banks	bank	NOUN
ajiss-357	169	77	and	and	CCONJ
ajiss-357	169	78	monetary	monetary	ADJ
ajiss-357	169	79	agencies	agency	NOUN
ajiss-357	169	80	have	have	AUX
ajiss-357	169	81	endorsed	endorse	VERB
ajiss-357	169	82	the	the	DET
ajiss-357	169	83	board	board	NOUN
ajiss-357	169	84	’s	’s	PART
ajiss-357	169	85	regulatory	regulatory	ADJ
ajiss-357	169	86	guidelines	guideline	NOUN
ajiss-357	169	87	on	on	ADP
ajiss-357	169	88	capital	capital	NOUN
ajiss-357	169	89	adequacy	adequacy	NOUN
ajiss-357	169	90	due	due	ADP
ajiss-357	169	91	to	to	ADP
ajiss-357	169	92	its	its	PRON
ajiss-357	169	93	systematic	systematic	ADJ
ajiss-357	169	94	,	,	PUNCT
ajiss-357	169	95	plausible	plausible	ADJ
ajiss-357	169	96	,	,	PUNCT
ajiss-357	169	97	and	and	CCONJ
ajiss-357	169	98	coherent	coherent	ADJ
ajiss-357	169	99	structure	structure	NOUN
ajiss-357	169	100	;	;	PUNCT
ajiss-357	169	101	however	however	ADV
ajiss-357	169	102	,	,	PUNCT
ajiss-357	169	103	the	the	DET
ajiss-357	169	104	shari`ah	shari`ah	PROPN
ajiss-357	169	105	’s	’s	PART
ajiss-357	169	106	guidelines	guideline	NOUN
ajiss-357	169	107	must	must	AUX
ajiss-357	169	108	be	be	AUX
ajiss-357	169	109	provided	provide	VERB
ajiss-357	169	110	by	by	ADP
ajiss-357	169	111	the	the	DET
ajiss-357	169	112	bank	bank	NOUN
ajiss-357	169	113	’s	’s	PART
ajiss-357	169	114	shari`ah	shari`ah	PROPN
ajiss-357	169	115	board	board	PROPN
ajiss-357	169	116	or	or	CCONJ
ajiss-357	169	117	the	the	DET
ajiss-357	169	118	national	national	PROPN
ajiss-357	169	119	shari`ah	shari`ah	PROPN
ajiss-357	169	120	council.26	council.26	NOUN
ajiss-357	169	121	the	the	DET
ajiss-357	169	122	alternative	alternative	NOUN
ajiss-357	169	123	to	to	ADP
ajiss-357	169	124	the	the	DET
ajiss-357	169	125	bank	bank	NOUN
ajiss-357	169	126	’s	’s	PART
ajiss-357	169	127	computation	computation	NOUN
ajiss-357	169	128	of	of	ADP
ajiss-357	169	129	capital	capital	NOUN
ajiss-357	169	130	adequacy	adequacy	NOUN
ajiss-357	169	131	was	be	AUX
ajiss-357	169	132	provided	provide	VERB
ajiss-357	169	133	but	but	CCONJ
ajiss-357	169	134	did	do	AUX
ajiss-357	169	135	not	not	PART
ajiss-357	169	136	have	have	VERB
ajiss-357	169	137	much	much	ADJ
ajiss-357	169	138	clout	clout	NOUN
ajiss-357	169	139	,	,	PUNCT
ajiss-357	169	140	since	since	SCONJ
ajiss-357	169	141	it	it	PRON
ajiss-357	169	142	was	be	AUX
ajiss-357	169	143	too	too	ADV
ajiss-357	169	144	much	much	ADJ
ajiss-357	169	145	accounting	accounting	NOUN
ajiss-357	169	146	-	-	PUNCT
ajiss-357	169	147	based	base	VERB
ajiss-357	169	148	as	as	SCONJ
ajiss-357	169	149	opposed	oppose	VERB
ajiss-357	169	150	to	to	ADP
ajiss-357	169	151	a	a	DET
ajiss-357	169	152	systematic	systematic	ADJ
ajiss-357	169	153	approach.27	approach.27	NOUN
ajiss-357	169	154	moreover	moreover	ADV
ajiss-357	169	155	,	,	PUNCT
ajiss-357	169	156	the	the	DET
ajiss-357	169	157	aaoifi	aaoifi	NOUN
ajiss-357	169	158	standard	standard	NOUN
ajiss-357	169	159	for	for	ADP
ajiss-357	169	160	capital	capital	NOUN
ajiss-357	169	161	adequacy	adequacy	NOUN
ajiss-357	169	162	ignored	ignore	VERB
ajiss-357	169	163	the	the	DET
ajiss-357	169	164	agency	agency	NOUN
ajiss-357	169	165	role	role	NOUN
ajiss-357	169	166	played	play	VERB
ajiss-357	169	167	by	by	ADP
ajiss-357	169	168	the	the	DET
ajiss-357	169	169	bank	bank	NOUN
ajiss-357	169	170	,	,	PUNCT
ajiss-357	169	171	the	the	DET
ajiss-357	169	172	separation	separation	NOUN
ajiss-357	169	173	of	of	ADP
ajiss-357	169	174	restricted	restricted	ADJ
ajiss-357	169	175	and	and	CCONJ
ajiss-357	169	176	unrestricted	unrestricted	ADJ
ajiss-357	169	177	pls	pls	NOUN
ajiss-357	169	178	accounts	account	NOUN
ajiss-357	169	179	,	,	PUNCT
ajiss-357	169	180	and	and	CCONJ
ajiss-357	169	181	the	the	DET
ajiss-357	169	182	difference	difference	NOUN
ajiss-357	169	183	between	between	ADP
ajiss-357	169	184	pls	pls	NOUN
ajiss-357	169	185	accounts	account	NOUN
ajiss-357	169	186	and	and	CCONJ
ajiss-357	169	187	deposits	deposit	NOUN
ajiss-357	169	188	with	with	ADP
ajiss-357	169	189	any	any	DET
ajiss-357	169	190	potential	potential	ADJ
ajiss-357	169	191	claim	claim	NOUN
ajiss-357	169	192	.	.	PUNCT
ajiss-357	170	1	the	the	DET
ajiss-357	170	2	striking	strike	VERB
ajiss-357	170	3	contrasts	contrast	VERB
ajiss-357	170	4	between	between	ADP
ajiss-357	170	5	the	the	DET
ajiss-357	170	6	ifsb	ifsb	NOUN
ajiss-357	170	7	and	and	CCONJ
ajiss-357	170	8	the	the	DET
ajiss-357	170	9	aaoifi	aaoifi	NOUN
ajiss-357	170	10	standards	standard	NOUN
ajiss-357	170	11	do	do	AUX
ajiss-357	170	12	not	not	PART
ajiss-357	170	13	alter	alter	VERB
ajiss-357	170	14	the	the	DET
ajiss-357	170	15	minimum	minimum	ADJ
ajiss-357	170	16	capital	capital	NOUN
ajiss-357	170	17	reserve	reserve	NOUN
ajiss-357	170	18	requirement	requirement	NOUN
ajiss-357	170	19	of	of	ADP
ajiss-357	170	20	8	8	NUM
ajiss-357	170	21	%	%	NOUN
ajiss-357	170	22	,	,	PUNCT
ajiss-357	170	23	as	as	SCONJ
ajiss-357	170	24	set	set	VERB
ajiss-357	170	25	according	accord	VERB
ajiss-357	170	26	to	to	ADP
ajiss-357	170	27	basel	basel	PROPN
ajiss-357	170	28	ii	ii	PROPN
ajiss-357	170	29	guidelines	guideline	NOUN
ajiss-357	170	30	.	.	PUNCT
ajiss-357	171	1	this	this	PRON
ajiss-357	171	2	suggests	suggest	VERB
ajiss-357	171	3	that	that	SCONJ
ajiss-357	171	4	100	100	NUM
ajiss-357	171	5	%	%	NOUN
ajiss-357	171	6	of	of	ADP
ajiss-357	171	7	this	this	DET
ajiss-357	171	8	8	8	NUM
ajiss-357	171	9	%	%	NOUN
ajiss-357	171	10	should	should	AUX
ajiss-357	171	11	be	be	AUX
ajiss-357	171	12	wholly	wholly	ADV
ajiss-357	171	13	from	from	ADP
ajiss-357	171	14	tier	tier	NOUN
ajiss-357	171	15	i	i	PROPN
ajiss-357	171	16	/	/	SYM
ajiss-357	171	17	primary	primary	ADJ
ajiss-357	171	18	capital	capital	NOUN
ajiss-357	171	19	,	,	PUNCT
ajiss-357	171	20	while	while	SCONJ
ajiss-357	171	21	the	the	DET
ajiss-357	171	22	risk	risk	NOUN
ajiss-357	171	23	weighted	weight	VERB
ajiss-357	171	24	equivalent	equivalent	ADJ
ajiss-357	171	25	asset	asset	NOUN
ajiss-357	171	26	(	(	PUNCT
ajiss-357	171	27	rwa	rwa	PROPN
ajiss-357	171	28	)	)	PUNCT
ajiss-357	171	29	will	will	AUX
ajiss-357	171	30	be	be	AUX
ajiss-357	171	31	12.5	12.5	NUM
ajiss-357	171	32	times	time	NOUN
ajiss-357	171	33	the	the	DET
ajiss-357	171	34	capital	capital	NOUN
ajiss-357	171	35	requirement	requirement	NOUN
ajiss-357	171	36	for	for	ADP
ajiss-357	171	37	market	market	NOUN
ajiss-357	171	38	risk	risk	NOUN
ajiss-357	171	39	and	and	CCONJ
ajiss-357	171	40	operational	operational	ADJ
ajiss-357	171	41	risk	risk	NOUN
ajiss-357	171	42	.	.	PUNCT
ajiss-357	172	1	the	the	DET
ajiss-357	172	2	release	release	NOUN
ajiss-357	172	3	of	of	ADP
ajiss-357	172	4	the	the	DET
ajiss-357	172	5	aaoifi	aaoifi	NOUN
ajiss-357	172	6	standard	standard	NOUN
ajiss-357	172	7	generated	generate	VERB
ajiss-357	172	8	heated	heated	ADJ
ajiss-357	172	9	debate	debate	NOUN
ajiss-357	172	10	among	among	ADP
ajiss-357	172	11	chapra	chapra	PROPN
ajiss-357	172	12	and	and	CCONJ
ajiss-357	172	13	khan	khan	PROPN
ajiss-357	172	14	,	,	PUNCT
ajiss-357	172	15	khan	khan	PROPN
ajiss-357	172	16	and	and	CCONJ
ajiss-357	172	17	ahmed	ahme	VERB
ajiss-357	172	18	,	,	PUNCT
ajiss-357	172	19	and	and	CCONJ
ajiss-357	172	20	other	other	ADJ
ajiss-357	172	21	scholars	scholar	NOUN
ajiss-357	172	22	.	.	PUNCT
ajiss-357	173	1	the	the	DET
ajiss-357	173	2	culmination	culmination	NOUN
ajiss-357	173	3	of	of	ADP
ajiss-357	173	4	the	the	DET
ajiss-357	173	5	debate	debate	NOUN
ajiss-357	173	6	was	be	AUX
ajiss-357	173	7	karim	karim	PROPN
ajiss-357	173	8	’s	’s	PART
ajiss-357	173	9	four	four	NUM
ajiss-357	173	10	suggested	suggest	VERB
ajiss-357	173	11	methods	method	NOUN
ajiss-357	173	12	of	of	ADP
ajiss-357	173	13	calculating	calculate	VERB
ajiss-357	173	14	capital	capital	NOUN
ajiss-357	173	15	adequacy	adequacy	NOUN
ajiss-357	173	16	and	and	CCONJ
ajiss-357	173	17	the	the	DET
ajiss-357	173	18	treatment	treatment	NOUN
ajiss-357	173	19	of	of	ADP
ajiss-357	173	20	pls	pls	INTJ
ajiss-357	173	21	accounts.28	accounts.28	PROPN
ajiss-357	173	22	the	the	DET
ajiss-357	173	23	most	most	ADV
ajiss-357	173	24	important	important	ADJ
ajiss-357	173	25	of	of	ADP
ajiss-357	173	26	the	the	DET
ajiss-357	173	27	four	four	NUM
ajiss-357	173	28	were	be	AUX
ajiss-357	173	29	pooling	pool	VERB
ajiss-357	173	30	and	and	CCONJ
ajiss-357	173	31	separation	separation	NOUN
ajiss-357	173	32	.	.	PUNCT
ajiss-357	174	1	how	how	SCONJ
ajiss-357	174	2	risk	risk	NOUN
ajiss-357	174	3	is	be	AUX
ajiss-357	174	4	treated	treat	VERB
ajiss-357	174	5	varies	varie	NOUN
ajiss-357	174	6	across	across	ADP
ajiss-357	174	7	different	different	ADJ
ajiss-357	174	8	shari`ah	shari`ah	PROPN
ajiss-357	174	9	-	-	PUNCT
ajiss-357	174	10	compliant	compliant	ADJ
ajiss-357	174	11	instruments	instrument	NOUN
ajiss-357	174	12	.	.	PUNCT
ajiss-357	175	1	investment	investment	NOUN
ajiss-357	175	2	account	account	NOUN
ajiss-357	175	3	holders	holder	NOUN
ajiss-357	175	4	(	(	PUNCT
ajiss-357	175	5	iahs	iah	NOUN
ajiss-357	175	6	)	)	PUNCT
ajiss-357	175	7	,	,	PUNCT
ajiss-357	175	8	who	who	PRON
ajiss-357	175	9	are	be	AUX
ajiss-357	175	10	fundamentally	fundamentally	ADV
ajiss-357	175	11	investment	investment	NOUN
ajiss-357	175	12	depositors	depositor	NOUN
ajiss-357	175	13	,	,	PUNCT
ajiss-357	175	14	bear	bear	VERB
ajiss-357	175	15	the	the	DET
ajiss-357	175	16	credit	credit	NOUN
ajiss-357	175	17	and	and	CCONJ
ajiss-357	175	18	market	market	NOUN
ajiss-357	175	19	risk	risk	NOUN
ajiss-357	175	20	to	to	ADP
ajiss-357	175	21	the	the	DET
ajiss-357	175	22	limit	limit	NOUN
ajiss-357	175	23	of	of	ADP
ajiss-357	175	24	the	the	DET
ajiss-357	175	25	funds	fund	NOUN
ajiss-357	175	26	they	they	PRON
ajiss-357	175	27	provide	provide	VERB
ajiss-357	175	28	;	;	PUNCT
ajiss-357	175	29	institutions	institution	NOUN
ajiss-357	175	30	offering	offer	VERB
ajiss-357	175	31	islamic	islamic	ADJ
ajiss-357	175	32	financial	financial	ADJ
ajiss-357	175	33	services	service	NOUN
ajiss-357	175	34	(	(	PUNCT
ajiss-357	175	35	iifs	iifs	PROPN
ajiss-357	175	36	)	)	PUNCT
ajiss-357	175	37	,	,	PUNCT
ajiss-357	175	38	which	which	PRON
ajiss-357	175	39	function	function	VERB
ajiss-357	175	40	as	as	ADP
ajiss-357	175	41	investment	investment	NOUN
ajiss-357	175	42	agents	agent	NOUN
ajiss-357	175	43	,	,	PUNCT
ajiss-357	175	44	only	only	ADV
ajiss-357	175	45	bear	bear	VERB
ajiss-357	175	46	the	the	DET
ajiss-357	175	47	operational	operational	ADJ
ajiss-357	175	48	risk	risk	NOUN
ajiss-357	175	49	.	.	PUNCT
ajiss-357	176	1	salam	salam	PROPN
ajiss-357	176	2	contracts	contract	NOUN
ajiss-357	176	3	expose	expose	VERB
ajiss-357	176	4	iifs	iif	NOUN
ajiss-357	176	5	to	to	ADP
ajiss-357	176	6	counterparty	counterparty	NOUN
ajiss-357	176	7	risk	risk	NOUN
ajiss-357	176	8	,	,	PUNCT
ajiss-357	176	9	murabahah	murabahah	NOUN
ajiss-357	176	10	contracts	contract	NOUN
ajiss-357	176	11	to	to	ADP
ajiss-357	176	12	credit	credit	NOUN
ajiss-357	176	13	risk	risk	NOUN
ajiss-357	176	14	through	through	ADP
ajiss-357	176	15	receivables	receivables	NOUN
ajiss-357	176	16	,	,	PUNCT
ajiss-357	176	17	and	and	CCONJ
ajiss-357	176	18	istisna	istisna	NOUN
ajiss-357	176	19	`	`	PUNCT
ajiss-357	176	20	contracts	contract	NOUN
ajiss-357	176	21	to	to	ADP
ajiss-357	176	22	both	both	DET
ajiss-357	176	23	types	type	NOUN
ajiss-357	176	24	of	of	ADP
ajiss-357	176	25	risks	risk	NOUN
ajiss-357	176	26	through	through	ADP
ajiss-357	176	27	accounts	account	NOUN
ajiss-357	176	28	receivables	receivables	NOUN
ajiss-357	176	29	and	and	CCONJ
ajiss-357	176	30	counterparty	counterparty	NOUN
ajiss-357	176	31	arrangements.29	arrangements.29	NOUN
ajiss-357	176	32	the	the	DET
ajiss-357	176	33	calculation	calculation	NOUN
ajiss-357	176	34	of	of	ADP
ajiss-357	176	35	risk	risk	NOUN
ajiss-357	176	36	weights	weight	NOUN
ajiss-357	176	37	requires	require	VERB
ajiss-357	176	38	,	,	PUNCT
ajiss-357	176	39	among	among	ADP
ajiss-357	176	40	other	other	ADJ
ajiss-357	176	41	inputs	input	NOUN
ajiss-357	176	42	,	,	PUNCT
ajiss-357	176	43	supervisory	supervisory	ADJ
ajiss-357	176	44	discretion	discretion	NOUN
ajiss-357	176	45	,	,	PUNCT
ajiss-357	176	46	counterparty	counterparty	NOUN
ajiss-357	176	47	credit	credit	NOUN
ajiss-357	176	48	risk	risk	NOUN
ajiss-357	176	49	rating	rating	NOUN
ajiss-357	176	50	,	,	PUNCT
ajiss-357	176	51	external	external	ADJ
ajiss-357	176	52	assessment	assessment	NOUN
ajiss-357	176	53	of	of	ADP
ajiss-357	176	54	the	the	DET
ajiss-357	176	55	rating	rating	NOUN
ajiss-357	176	56	,	,	PUNCT
ajiss-357	176	57	and	and	CCONJ
ajiss-357	176	58	endorsement	endorsement	NOUN
ajiss-357	176	59	of	of	ADP
ajiss-357	176	60	the	the	DET
ajiss-357	176	61	external	external	ADJ
ajiss-357	176	62	credit	credit	NOUN
ajiss-357	176	63	rating	rating	NOUN
ajiss-357	176	64	agencies	agency	NOUN
ajiss-357	176	65	by	by	ADP
ajiss-357	176	66	the	the	DET
ajiss-357	176	67	supervisors.30	supervisors.30	PROPN
ajiss-357	176	68	hassan	hassan	PROPN
ajiss-357	176	69	and	and	CCONJ
ajiss-357	176	70	chowdhury	chowdhury	PROPN
ajiss-357	176	71	:	:	PUNCT
ajiss-357	176	72	islamic	islamic	ADJ
ajiss-357	176	73	banking	banking	NOUN
ajiss-357	176	74	regulations	regulation	NOUN
ajiss-357	176	75	87	87	NUM
ajiss-357	176	76	ajiss-27-1-final-obay.qxp	ajiss-27-1-final-obay.qxp	PROPN
ajiss-357	176	77	6/9/2010	6/9/2010	NUM
ajiss-357	176	78	4:06	4:06	NUM
ajiss-357	176	79	pm	pm	NOUN
ajiss-357	176	80	page	page	NOUN
ajiss-357	176	81	87	87	NUM
ajiss-357	176	82	pdf	pdf	NOUN
ajiss-357	176	83	created	create	VERB
ajiss-357	176	84	with	with	ADP
ajiss-357	176	85	pdffactory	pdffactory	ADJ
ajiss-357	176	86	pro	pro	ADJ
ajiss-357	176	87	trial	trial	NOUN
ajiss-357	176	88	version	version	NOUN
ajiss-357	176	89	www.pdffactory.com	www.pdffactory.com	X
ajiss-357	176	90	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	176	91	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	177	1	risk	risk	NOUN
ajiss-357	177	2	management	management	NOUN
ajiss-357	177	3	in	in	ADP
ajiss-357	177	4	islamic	islamic	ADJ
ajiss-357	177	5	banks	bank	NOUN
ajiss-357	177	6	credit	credit	NOUN
ajiss-357	177	7	risk	risk	NOUN
ajiss-357	177	8	,	,	PUNCT
ajiss-357	177	9	market	market	NOUN
ajiss-357	177	10	risk	risk	NOUN
ajiss-357	177	11	,	,	PUNCT
ajiss-357	177	12	liquidity	liquidity	NOUN
ajiss-357	177	13	risk	risk	NOUN
ajiss-357	177	14	,	,	PUNCT
ajiss-357	177	15	and	and	CCONJ
ajiss-357	177	16	operational	operational	ADJ
ajiss-357	177	17	risk	risk	NOUN
ajiss-357	177	18	are	be	AUX
ajiss-357	177	19	all	all	ADV
ajiss-357	177	20	common	common	ADJ
ajiss-357	177	21	to	to	ADP
ajiss-357	177	22	both	both	CCONJ
ajiss-357	177	23	the	the	DET
ajiss-357	177	24	islamic	islamic	ADJ
ajiss-357	177	25	and	and	CCONJ
ajiss-357	177	26	the	the	DET
ajiss-357	177	27	conventional	conventional	ADJ
ajiss-357	177	28	banking	banking	NOUN
ajiss-357	177	29	systems	system	NOUN
ajiss-357	177	30	.	.	PUNCT
ajiss-357	178	1	islamic	islamic	ADJ
ajiss-357	178	2	banks	bank	NOUN
ajiss-357	178	3	are	be	AUX
ajiss-357	178	4	exposed	expose	VERB
ajiss-357	178	5	to	to	ADP
ajiss-357	178	6	credit	credit	NOUN
ajiss-357	178	7	risks	risk	NOUN
ajiss-357	178	8	through	through	ADP
ajiss-357	178	9	assets	asset	NOUN
ajiss-357	178	10	created	create	VERB
ajiss-357	178	11	by	by	ADP
ajiss-357	178	12	debt	debt	NOUN
ajiss-357	178	13	-	-	PUNCT
ajiss-357	178	14	based	base	VERB
ajiss-357	178	15	instruments	instrument	NOUN
ajiss-357	178	16	(	(	PUNCT
ajiss-357	178	17	e.g.	e.g.	ADV
ajiss-357	178	18	,	,	PUNCT
ajiss-357	178	19	murabahah	murabahah	PROPN
ajiss-357	178	20	,	,	PUNCT
ajiss-357	178	21	salam	salam	PROPN
ajiss-357	178	22	,	,	PUNCT
ajiss-357	178	23	and	and	CCONJ
ajiss-357	178	24	istisna	istisna	NOUN
ajiss-357	178	25	`	`	PUNCT
ajiss-357	178	26	)	)	PUNCT
ajiss-357	178	27	,	,	PUNCT
ajiss-357	178	28	which	which	PRON
ajiss-357	178	29	should	should	AUX
ajiss-357	178	30	be	be	AUX
ajiss-357	178	31	disclosed	disclose	VERB
ajiss-357	178	32	for	for	ADP
ajiss-357	178	33	the	the	DET
ajiss-357	178	34	purpose	purpose	NOUN
ajiss-357	178	35	of	of	ADP
ajiss-357	178	36	transparency	transparency	NOUN
ajiss-357	178	37	.	.	PUNCT
ajiss-357	179	1	but	but	CCONJ
ajiss-357	179	2	the	the	DET
ajiss-357	179	3	underlying	underlie	VERB
ajiss-357	179	4	measurement	measurement	NOUN
ajiss-357	179	5	of	of	ADP
ajiss-357	179	6	transparency	transparency	NOUN
ajiss-357	179	7	is	be	AUX
ajiss-357	179	8	different	different	ADJ
ajiss-357	179	9	from	from	ADP
ajiss-357	179	10	that	that	PRON
ajiss-357	179	11	used	use	VERB
ajiss-357	179	12	for	for	ADP
ajiss-357	179	13	cfis	cfis	NOUN
ajiss-357	179	14	,	,	PUNCT
ajiss-357	179	15	since	since	SCONJ
ajiss-357	179	16	there	there	PRON
ajiss-357	179	17	are	be	VERB
ajiss-357	179	18	certain	certain	ADJ
ajiss-357	179	19	differences	difference	NOUN
ajiss-357	179	20	in	in	ADP
ajiss-357	179	21	how	how	SCONJ
ajiss-357	179	22	credit	credit	NOUN
ajiss-357	179	23	risk	risk	NOUN
ajiss-357	179	24	arises	arise	VERB
ajiss-357	179	25	and	and	CCONJ
ajiss-357	179	26	impacts	impact	VERB
ajiss-357	179	27	islamic	islamic	ADJ
ajiss-357	179	28	banks	bank	NOUN
ajiss-357	179	29	.	.	PUNCT
ajiss-357	180	1	credit	credit	NOUN
ajiss-357	180	2	risk	risk	NOUN
ajiss-357	180	3	refers	refer	VERB
ajiss-357	180	4	to	to	ADP
ajiss-357	180	5	the	the	DET
ajiss-357	180	6	volatility	volatility	NOUN
ajiss-357	180	7	in	in	ADP
ajiss-357	180	8	a	a	DET
ajiss-357	180	9	bank	bank	NOUN
ajiss-357	180	10	’s	’s	PART
ajiss-357	180	11	net	net	ADJ
ajiss-357	180	12	cash	cash	NOUN
ajiss-357	180	13	flow	flow	NOUN
ajiss-357	180	14	as	as	ADP
ajiss-357	180	15	a	a	DET
ajiss-357	180	16	result	result	NOUN
ajiss-357	180	17	of	of	ADP
ajiss-357	180	18	an	an	DET
ajiss-357	180	19	unexpected	unexpected	ADJ
ajiss-357	180	20	decline	decline	NOUN
ajiss-357	180	21	in	in	ADP
ajiss-357	180	22	its	its	PRON
ajiss-357	180	23	total	total	ADJ
ajiss-357	180	24	cash	cash	NOUN
ajiss-357	180	25	flow	flow	NOUN
ajiss-357	180	26	due	due	ADJ
ajiss-357	180	27	to	to	ADP
ajiss-357	180	28	default	default	NOUN
ajiss-357	180	29	by	by	ADP
ajiss-357	180	30	a	a	DET
ajiss-357	180	31	counterparty	counterparty	NOUN
ajiss-357	180	32	.	.	PUNCT
ajiss-357	181	1	since	since	SCONJ
ajiss-357	181	2	islamic	islamic	ADJ
ajiss-357	181	3	banking	banking	NOUN
ajiss-357	181	4	is	be	AUX
ajiss-357	181	5	asset	asset	NOUN
ajiss-357	181	6	-	-	PUNCT
ajiss-357	181	7	based	base	VERB
ajiss-357	181	8	,	,	PUNCT
ajiss-357	181	9	credit	credit	NOUN
ajiss-357	181	10	risk	risk	NOUN
ajiss-357	181	11	is	be	AUX
ajiss-357	181	12	linked	link	VERB
ajiss-357	181	13	to	to	ADP
ajiss-357	181	14	price	price	NOUN
ajiss-357	181	15	risks	risk	NOUN
ajiss-357	181	16	to	to	ADP
ajiss-357	181	17	a	a	DET
ajiss-357	181	18	degree	degree	NOUN
ajiss-357	181	19	that	that	PRON
ajiss-357	181	20	is	be	AUX
ajiss-357	181	21	unusual	unusual	ADJ
ajiss-357	181	22	for	for	ADP
ajiss-357	181	23	conventional	conventional	ADJ
ajiss-357	181	24	banks	bank	NOUN
ajiss-357	181	25	and	and	CCONJ
ajiss-357	181	26	thus	thus	ADV
ajiss-357	181	27	warrants	warrant	NOUN
ajiss-357	181	28	corresponding	correspond	VERB
ajiss-357	181	29	transparency.31	transparency.31	NOUN
ajiss-357	181	30	market	market	NOUN
ajiss-357	181	31	risk	risk	NOUN
ajiss-357	181	32	for	for	ADP
ajiss-357	181	33	islamic	islamic	ADJ
ajiss-357	181	34	banks	bank	NOUN
ajiss-357	181	35	arises	arise	VERB
ajiss-357	181	36	from	from	ADP
ajiss-357	181	37	changes	change	NOUN
ajiss-357	181	38	in	in	ADP
ajiss-357	181	39	the	the	DET
ajiss-357	181	40	foreign	foreign	ADJ
ajiss-357	181	41	exchange	exchange	NOUN
ajiss-357	181	42	rate	rate	NOUN
ajiss-357	181	43	and	and	CCONJ
ajiss-357	181	44	prices	price	NOUN
ajiss-357	181	45	(	(	PUNCT
ajiss-357	181	46	equity	equity	NOUN
ajiss-357	181	47	and	and	CCONJ
ajiss-357	181	48	commodities	commodity	NOUN
ajiss-357	181	49	)	)	PUNCT
ajiss-357	181	50	,	,	PUNCT
ajiss-357	181	51	which	which	PRON
ajiss-357	181	52	have	have	VERB
ajiss-357	181	53	a	a	DET
ajiss-357	181	54	direct	direct	ADJ
ajiss-357	181	55	impact	impact	NOUN
ajiss-357	181	56	on	on	ADP
ajiss-357	181	57	the	the	DET
ajiss-357	181	58	bank	bank	NOUN
ajiss-357	181	59	’s	’s	PART
ajiss-357	181	60	earnings	earning	NOUN
ajiss-357	181	61	and	and	CCONJ
ajiss-357	181	62	the	the	DET
ajiss-357	181	63	value	value	NOUN
ajiss-357	181	64	of	of	ADP
ajiss-357	181	65	its	its	PRON
ajiss-357	181	66	assets	asset	NOUN
ajiss-357	181	67	and	and	CCONJ
ajiss-357	181	68	liabilities	liability	NOUN
ajiss-357	181	69	.	.	PUNCT
ajiss-357	182	1	transparency	transparency	NOUN
ajiss-357	182	2	standards	standard	NOUN
ajiss-357	182	3	for	for	ADP
ajiss-357	182	4	market	market	NOUN
ajiss-357	182	5	risk	risk	NOUN
ajiss-357	182	6	disclosure	disclosure	NOUN
ajiss-357	182	7	should	should	AUX
ajiss-357	182	8	be	be	AUX
ajiss-357	182	9	modified	modify	VERB
ajiss-357	182	10	for	for	ADP
ajiss-357	182	11	islamic	islamic	ADJ
ajiss-357	182	12	banks	bank	NOUN
ajiss-357	182	13	,	,	PUNCT
ajiss-357	182	14	however	however	ADV
ajiss-357	182	15	,	,	PUNCT
ajiss-357	182	16	to	to	PART
ajiss-357	182	17	reflect	reflect	VERB
ajiss-357	182	18	the	the	DET
ajiss-357	182	19	distinguishing	distinguish	VERB
ajiss-357	182	20	features	feature	NOUN
ajiss-357	182	21	of	of	ADP
ajiss-357	182	22	their	their	PRON
ajiss-357	182	23	operations	operation	NOUN
ajiss-357	182	24	.	.	PUNCT
ajiss-357	183	1	it	it	PRON
ajiss-357	183	2	should	should	AUX
ajiss-357	183	3	be	be	AUX
ajiss-357	183	4	mentioned	mention	VERB
ajiss-357	183	5	here	here	ADV
ajiss-357	183	6	that	that	SCONJ
ajiss-357	183	7	although	although	SCONJ
ajiss-357	183	8	islamic	islamic	ADJ
ajiss-357	183	9	banks	bank	NOUN
ajiss-357	183	10	operate	operate	VERB
ajiss-357	183	11	on	on	ADP
ajiss-357	183	12	an	an	DET
ajiss-357	183	13	interest	interest	NOUN
ajiss-357	183	14	-	-	PUNCT
ajiss-357	183	15	free	free	ADJ
ajiss-357	183	16	basis	basis	NOUN
ajiss-357	183	17	,	,	PUNCT
ajiss-357	183	18	they	they	PRON
ajiss-357	183	19	are	be	AUX
ajiss-357	183	20	not	not	PART
ajiss-357	183	21	shielded	shield	VERB
ajiss-357	183	22	from	from	ADP
ajiss-357	183	23	the	the	DET
ajiss-357	183	24	impact	impact	NOUN
ajiss-357	183	25	of	of	ADP
ajiss-357	183	26	interest	interest	NOUN
ajiss-357	183	27	rate	rate	NOUN
ajiss-357	183	28	changes.32	changes.32	PROPN
ajiss-357	183	29	foreign	foreign	ADJ
ajiss-357	183	30	exchange	exchange	NOUN
ajiss-357	183	31	risk	risk	NOUN
ajiss-357	183	32	also	also	ADV
ajiss-357	183	33	applies	apply	VERB
ajiss-357	183	34	to	to	ADP
ajiss-357	183	35	islamic	islamic	ADJ
ajiss-357	183	36	banks	bank	NOUN
ajiss-357	183	37	,	,	PUNCT
ajiss-357	183	38	although	although	SCONJ
ajiss-357	183	39	this	this	PRON
ajiss-357	183	40	may	may	AUX
ajiss-357	183	41	be	be	AUX
ajiss-357	183	42	limited	limit	VERB
ajiss-357	183	43	to	to	ADP
ajiss-357	183	44	the	the	DET
ajiss-357	183	45	degree	degree	NOUN
ajiss-357	183	46	of	of	ADP
ajiss-357	183	47	the	the	DET
ajiss-357	183	48	bank	bank	NOUN
ajiss-357	183	49	’s	’s	PART
ajiss-357	183	50	international	international	ADJ
ajiss-357	183	51	operations	operation	NOUN
ajiss-357	183	52	.	.	PUNCT
ajiss-357	184	1	under	under	ADP
ajiss-357	184	2	islamic	islamic	ADJ
ajiss-357	184	3	finance	finance	NOUN
ajiss-357	184	4	rules	rule	NOUN
ajiss-357	184	5	,	,	PUNCT
ajiss-357	184	6	only	only	ADV
ajiss-357	184	7	spot	spot	VERB
ajiss-357	184	8	foreign	foreign	ADJ
ajiss-357	184	9	exchange	exchange	NOUN
ajiss-357	184	10	transactions	transaction	NOUN
ajiss-357	184	11	are	be	AUX
ajiss-357	184	12	allowed	allow	VERB
ajiss-357	184	13	;	;	PUNCT
ajiss-357	184	14	therefore	therefore	ADV
ajiss-357	184	15	,	,	PUNCT
ajiss-357	184	16	forward	forward	ADJ
ajiss-357	184	17	market	market	NOUN
ajiss-357	184	18	risks	risk	NOUN
ajiss-357	184	19	can	can	AUX
ajiss-357	184	20	be	be	AUX
ajiss-357	184	21	avoided	avoid	VERB
ajiss-357	184	22	in	in	ADP
ajiss-357	184	23	a	a	DET
ajiss-357	184	24	pure	pure	ADJ
ajiss-357	184	25	islamic	islamic	ADJ
ajiss-357	184	26	form	form	NOUN
ajiss-357	184	27	of	of	ADP
ajiss-357	184	28	banking	banking	NOUN
ajiss-357	184	29	.	.	PUNCT
ajiss-357	185	1	since	since	SCONJ
ajiss-357	185	2	all	all	DET
ajiss-357	185	3	commodity	commodity	NOUN
ajiss-357	185	4	markets	market	NOUN
ajiss-357	185	5	do	do	AUX
ajiss-357	185	6	not	not	PART
ajiss-357	185	7	conform	conform	VERB
ajiss-357	185	8	to	to	ADP
ajiss-357	185	9	the	the	DET
ajiss-357	185	10	shari`ah	shari`ah	PROPN
ajiss-357	185	11	,	,	PUNCT
ajiss-357	185	12	islamic	islamic	ADJ
ajiss-357	185	13	banks	bank	NOUN
ajiss-357	185	14	can	can	AUX
ajiss-357	185	15	neither	neither	CCONJ
ajiss-357	185	16	hedge	hedge	VERB
ajiss-357	185	17	against	against	ADP
ajiss-357	185	18	these	these	DET
ajiss-357	185	19	risks	risk	NOUN
ajiss-357	185	20	nor	nor	CCONJ
ajiss-357	185	21	isolate	isolate	VERB
ajiss-357	185	22	the	the	DET
ajiss-357	185	23	financing	financing	NOUN
ajiss-357	185	24	and	and	CCONJ
ajiss-357	185	25	price	price	NOUN
ajiss-357	185	26	premiums	premium	NOUN
ajiss-357	185	27	mixed	mix	VERB
ajiss-357	185	28	together	together	ADV
ajiss-357	185	29	in	in	ADP
ajiss-357	185	30	a	a	DET
ajiss-357	185	31	salam	salam	PROPN
ajiss-357	185	32	contract	contract	NOUN
ajiss-357	185	33	.	.	PUNCT
ajiss-357	186	1	in	in	ADP
ajiss-357	186	2	the	the	DET
ajiss-357	186	3	same	same	ADJ
ajiss-357	186	4	way	way	NOUN
ajiss-357	186	5	,	,	PUNCT
ajiss-357	186	6	any	any	DET
ajiss-357	186	7	financing	financing	NOUN
ajiss-357	186	8	provided	provide	VERB
ajiss-357	186	9	under	under	ADP
ajiss-357	186	10	equity	equity	NOUN
ajiss-357	186	11	-	-	PUNCT
ajiss-357	186	12	type	type	NOUN
ajiss-357	186	13	contracts	contract	NOUN
ajiss-357	186	14	(	(	PUNCT
ajiss-357	186	15	e.g.	e.g.	ADV
ajiss-357	186	16	,	,	PUNCT
ajiss-357	186	17	musharakah	musharakah	PROPN
ajiss-357	186	18	)	)	PUNCT
ajiss-357	186	19	is	be	AUX
ajiss-357	186	20	not	not	PART
ajiss-357	186	21	exposed	expose	VERB
ajiss-357	186	22	to	to	ADP
ajiss-357	186	23	price	price	NOUN
ajiss-357	186	24	risk	risk	NOUN
ajiss-357	186	25	in	in	ADP
ajiss-357	186	26	the	the	DET
ajiss-357	186	27	conventional	conventional	ADJ
ajiss-357	186	28	sense	sense	NOUN
ajiss-357	186	29	,	,	PUNCT
ajiss-357	186	30	since	since	SCONJ
ajiss-357	186	31	the	the	DET
ajiss-357	186	32	bank	bank	NOUN
ajiss-357	186	33	is	be	AUX
ajiss-357	186	34	unable	unable	ADJ
ajiss-357	186	35	to	to	PART
ajiss-357	186	36	operate	operate	VERB
ajiss-357	186	37	these	these	DET
ajiss-357	186	38	contracts	contract	NOUN
ajiss-357	186	39	independently	independently	ADV
ajiss-357	186	40	,	,	PUNCT
ajiss-357	186	41	assume	assume	VERB
ajiss-357	186	42	the	the	DET
ajiss-357	186	43	power	power	NOUN
ajiss-357	186	44	of	of	ADP
ajiss-357	186	45	a	a	DET
ajiss-357	186	46	shareholder	shareholder	NOUN
ajiss-357	186	47	,	,	PUNCT
ajiss-357	186	48	or	or	CCONJ
ajiss-357	186	49	receive	receive	VERB
ajiss-357	186	50	capital	capital	NOUN
ajiss-357	186	51	gains	gain	NOUN
ajiss-357	186	52	due	due	ADP
ajiss-357	186	53	to	to	ADP
ajiss-357	186	54	the	the	DET
ajiss-357	186	55	absence	absence	NOUN
ajiss-357	186	56	of	of	ADP
ajiss-357	186	57	revaluation	revaluation	NOUN
ajiss-357	186	58	.	.	PUNCT
ajiss-357	187	1	in	in	ADP
ajiss-357	187	2	addition	addition	NOUN
ajiss-357	187	3	,	,	PUNCT
ajiss-357	187	4	no	no	DET
ajiss-357	187	5	independent	independent	ADJ
ajiss-357	187	6	market	market	NOUN
ajiss-357	187	7	exists	exist	VERB
ajiss-357	187	8	for	for	ADP
ajiss-357	187	9	such	such	ADJ
ajiss-357	187	10	contracts	contract	NOUN
ajiss-357	187	11	.	.	PUNCT
ajiss-357	188	1	therefore	therefore	ADV
ajiss-357	188	2	,	,	PUNCT
ajiss-357	188	3	transparency	transparency	NOUN
ajiss-357	188	4	standards	standard	NOUN
ajiss-357	188	5	should	should	AUX
ajiss-357	188	6	consider	consider	VERB
ajiss-357	188	7	the	the	DET
ajiss-357	188	8	particular	particular	ADJ
ajiss-357	188	9	market	market	NOUN
ajiss-357	188	10	risk	risk	NOUN
ajiss-357	188	11	associated	associate	VERB
ajiss-357	188	12	with	with	ADP
ajiss-357	188	13	these	these	DET
ajiss-357	188	14	contracts	contract	NOUN
ajiss-357	188	15	.	.	PUNCT
ajiss-357	189	1	liquidity	liquidity	NOUN
ajiss-357	189	2	risk	risk	NOUN
ajiss-357	189	3	arises	arise	VERB
ajiss-357	189	4	when	when	SCONJ
ajiss-357	189	5	the	the	DET
ajiss-357	189	6	bank	bank	NOUN
ajiss-357	189	7	experiences	experience	VERB
ajiss-357	189	8	an	an	DET
ajiss-357	189	9	unexpected	unexpected	ADJ
ajiss-357	189	10	decline	decline	NOUN
ajiss-357	189	11	in	in	ADP
ajiss-357	189	12	its	its	PRON
ajiss-357	189	13	net	net	ADJ
ajiss-357	189	14	cash	cash	NOUN
ajiss-357	189	15	flow	flow	NOUN
ajiss-357	189	16	and	and	CCONJ
ajiss-357	189	17	is	be	AUX
ajiss-357	189	18	unable	unable	ADJ
ajiss-357	189	19	to	to	PART
ajiss-357	189	20	raise	raise	VERB
ajiss-357	189	21	resources	resource	NOUN
ajiss-357	189	22	at	at	ADP
ajiss-357	189	23	a	a	DET
ajiss-357	189	24	reasonable	reasonable	ADJ
ajiss-357	189	25	cost	cost	NOUN
ajiss-357	189	26	,	,	PUNCT
ajiss-357	189	27	either	either	CCONJ
ajiss-357	189	28	by	by	ADP
ajiss-357	189	29	selling	sell	VERB
ajiss-357	189	30	its	its	PRON
ajiss-357	189	31	assets	asset	NOUN
ajiss-357	189	32	or	or	CCONJ
ajiss-357	189	33	borrowing	borrow	VERB
ajiss-357	189	34	through	through	ADP
ajiss-357	189	35	the	the	DET
ajiss-357	189	36	issuance	issuance	NOUN
ajiss-357	189	37	of	of	ADP
ajiss-357	189	38	new	new	ADJ
ajiss-357	189	39	financial	financial	ADJ
ajiss-357	189	40	instruments	instrument	NOUN
ajiss-357	189	41	,	,	PUNCT
ajiss-357	189	42	to	to	PART
ajiss-357	189	43	meet	meet	VERB
ajiss-357	189	44	its	its	PRON
ajiss-357	189	45	commitment	commitment	NOUN
ajiss-357	189	46	,	,	PUNCT
ajiss-357	189	47	particularly	particularly	ADV
ajiss-357	189	48	those	those	PRON
ajiss-357	189	49	to	to	ADP
ajiss-357	189	50	its	its	PRON
ajiss-357	189	51	depositors	depositor	NOUN
ajiss-357	189	52	.	.	PUNCT
ajiss-357	190	1	88	88	NUM
ajiss-357	190	2	the	the	DET
ajiss-357	190	3	american	american	PROPN
ajiss-357	190	4	journal	journal	PROPN
ajiss-357	190	5	of	of	ADP
ajiss-357	190	6	islamic	islamic	ADJ
ajiss-357	190	7	social	social	PROPN
ajiss-357	190	8	sciences	sciences	PROPN
ajiss-357	190	9	27:1	27:1	NUM
ajiss-357	190	10	ajiss-27-1-final-obay.qxp	ajiss-27-1-final-obay.qxp	PROPN
ajiss-357	190	11	6/9/2010	6/9/2010	NUM
ajiss-357	190	12	4:06	4:06	NUM
ajiss-357	190	13	pm	pm	NOUN
ajiss-357	190	14	page	page	NOUN
ajiss-357	190	15	88	88	NUM
ajiss-357	190	16	pdf	pdf	NOUN
ajiss-357	190	17	created	create	VERB
ajiss-357	190	18	with	with	ADP
ajiss-357	190	19	pdffactory	pdffactory	ADJ
ajiss-357	190	20	pro	pro	ADJ
ajiss-357	190	21	trial	trial	NOUN
ajiss-357	190	22	version	version	NOUN
ajiss-357	190	23	www.pdffactory.com	www.pdffactory.com	X
ajiss-357	190	24	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	190	25	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	191	1	this	this	PRON
ajiss-357	191	2	is	be	AUX
ajiss-357	191	3	a	a	DET
ajiss-357	191	4	prevalent	prevalent	ADJ
ajiss-357	191	5	problem	problem	NOUN
ajiss-357	191	6	within	within	ADP
ajiss-357	191	7	the	the	DET
ajiss-357	191	8	islamic	islamic	ADJ
ajiss-357	191	9	banking	banking	NOUN
ajiss-357	191	10	system	system	NOUN
ajiss-357	191	11	,	,	PUNCT
ajiss-357	191	12	mainly	mainly	ADV
ajiss-357	191	13	due	due	ADP
ajiss-357	191	14	to	to	ADP
ajiss-357	191	15	deficiencies	deficiency	NOUN
ajiss-357	191	16	in	in	ADP
ajiss-357	191	17	the	the	DET
ajiss-357	191	18	existing	exist	VERB
ajiss-357	191	19	infrastructure	infrastructure	NOUN
ajiss-357	191	20	to	to	PART
ajiss-357	191	21	manage	manage	VERB
ajiss-357	191	22	liquidity.33	liquidity.33	NOUN
ajiss-357	191	23	given	give	VERB
ajiss-357	191	24	the	the	DET
ajiss-357	191	25	growing	grow	VERB
ajiss-357	191	26	complexity	complexity	NOUN
ajiss-357	191	27	in	in	ADP
ajiss-357	191	28	the	the	DET
ajiss-357	191	29	islamic	islamic	ADJ
ajiss-357	191	30	banks	bank	NOUN
ajiss-357	191	31	’	’	PART
ajiss-357	191	32	asset	asset	NOUN
ajiss-357	191	33	-	-	PUNCT
ajiss-357	191	34	liability	liability	NOUN
ajiss-357	191	35	structure	structure	NOUN
ajiss-357	191	36	,	,	PUNCT
ajiss-357	191	37	liquidity	liquidity	NOUN
ajiss-357	191	38	management	management	NOUN
ajiss-357	191	39	will	will	AUX
ajiss-357	191	40	be	be	AUX
ajiss-357	191	41	vital	vital	ADJ
ajiss-357	191	42	.	.	PUNCT
ajiss-357	192	1	operational	operational	ADJ
ajiss-357	192	2	risk	risk	NOUN
ajiss-357	192	3	arises	arise	VERB
ajiss-357	192	4	from	from	ADP
ajiss-357	192	5	the	the	DET
ajiss-357	192	6	breakdown	breakdown	NOUN
ajiss-357	192	7	of	of	ADP
ajiss-357	192	8	internal	internal	ADJ
ajiss-357	192	9	controls	control	NOUN
ajiss-357	192	10	.	.	PUNCT
ajiss-357	193	1	islamic	islamic	ADJ
ajiss-357	193	2	banks	bank	NOUN
ajiss-357	193	3	,	,	PUNCT
ajiss-357	193	4	like	like	ADP
ajiss-357	193	5	cfis	cfis	NOUN
ajiss-357	193	6	,	,	PUNCT
ajiss-357	193	7	should	should	AUX
ajiss-357	193	8	disclose	disclose	VERB
ajiss-357	193	9	sufficient	sufficient	ADJ
ajiss-357	193	10	information	information	NOUN
ajiss-357	193	11	on	on	ADP
ajiss-357	193	12	standing	stand	VERB
ajiss-357	193	13	legal	legal	ADJ
ajiss-357	193	14	contingencies	contingency	NOUN
ajiss-357	193	15	,	,	PUNCT
ajiss-357	193	16	as	as	ADV
ajiss-357	193	17	well	well	ADV
ajiss-357	193	18	as	as	ADP
ajiss-357	193	19	their	their	PRON
ajiss-357	193	20	nature	nature	NOUN
ajiss-357	193	21	and	and	CCONJ
ajiss-357	193	22	estimated	estimate	VERB
ajiss-357	193	23	liability	liability	NOUN
ajiss-357	193	24	.	.	PUNCT
ajiss-357	194	1	such	such	ADJ
ajiss-357	194	2	contingencies	contingency	NOUN
ajiss-357	194	3	arise	arise	VERB
ajiss-357	194	4	from	from	ADP
ajiss-357	194	5	litigation	litigation	NOUN
ajiss-357	194	6	involving	involve	VERB
ajiss-357	194	7	the	the	DET
ajiss-357	194	8	bank	bank	NOUN
ajiss-357	194	9	’s	’s	PART
ajiss-357	194	10	clients	client	NOUN
ajiss-357	194	11	,	,	PUNCT
ajiss-357	194	12	depositors	depositor	NOUN
ajiss-357	194	13	,	,	PUNCT
ajiss-357	194	14	investors	investor	NOUN
ajiss-357	194	15	,	,	PUNCT
ajiss-357	194	16	shareholders	shareholder	NOUN
ajiss-357	194	17	,	,	PUNCT
ajiss-357	194	18	and	and	CCONJ
ajiss-357	194	19	staff	staff	NOUN
ajiss-357	194	20	members	member	NOUN
ajiss-357	194	21	,	,	PUNCT
ajiss-357	194	22	as	as	ADV
ajiss-357	194	23	well	well	ADV
ajiss-357	194	24	as	as	ADP
ajiss-357	194	25	changes	change	NOUN
ajiss-357	194	26	in	in	ADP
ajiss-357	194	27	the	the	DET
ajiss-357	194	28	regulatory	regulatory	ADJ
ajiss-357	194	29	and	and	CCONJ
ajiss-357	194	30	legal	legal	ADJ
ajiss-357	194	31	regimes	regime	NOUN
ajiss-357	194	32	covering	cover	VERB
ajiss-357	194	33	its	its	PRON
ajiss-357	194	34	activities.34	activities.34	NOUN
ajiss-357	194	35	due	due	ADP
ajiss-357	194	36	to	to	ADP
ajiss-357	194	37	the	the	DET
ajiss-357	194	38	non	non	ADJ
ajiss-357	194	39	-	-	ADJ
ajiss-357	194	40	islamic	islamic	ADJ
ajiss-357	194	41	legal	legal	ADJ
ajiss-357	194	42	and	and	CCONJ
ajiss-357	194	43	regulatory	regulatory	ADJ
ajiss-357	194	44	regimes	regime	NOUN
ajiss-357	194	45	in	in	ADP
ajiss-357	194	46	many	many	ADJ
ajiss-357	194	47	countries	country	NOUN
ajiss-357	194	48	,	,	PUNCT
ajiss-357	194	49	which	which	PRON
ajiss-357	194	50	oppose	oppose	VERB
ajiss-357	194	51	the	the	DET
ajiss-357	194	52	virtues	virtue	NOUN
ajiss-357	194	53	espoused	espouse	VERB
ajiss-357	194	54	by	by	ADP
ajiss-357	194	55	the	the	DET
ajiss-357	194	56	islamic	islamic	ADJ
ajiss-357	194	57	financial	financial	ADJ
ajiss-357	194	58	system	system	NOUN
ajiss-357	194	59	,	,	PUNCT
ajiss-357	194	60	it	it	PRON
ajiss-357	194	61	is	be	AUX
ajiss-357	194	62	difficult	difficult	ADJ
ajiss-357	194	63	for	for	SCONJ
ajiss-357	194	64	islamic	islamic	ADJ
ajiss-357	194	65	banks	bank	NOUN
ajiss-357	194	66	to	to	PART
ajiss-357	194	67	maintain	maintain	VERB
ajiss-357	194	68	standard	standard	ADJ
ajiss-357	194	69	operating	operating	NOUN
ajiss-357	194	70	procedures	procedure	NOUN
ajiss-357	194	71	.	.	PUNCT
ajiss-357	195	1	as	as	SCONJ
ajiss-357	195	2	regards	regard	VERB
ajiss-357	195	3	legal	legal	ADJ
ajiss-357	195	4	risks	risk	NOUN
ajiss-357	195	5	,	,	PUNCT
ajiss-357	195	6	islamic	islamic	ADJ
ajiss-357	195	7	banks	bank	NOUN
ajiss-357	195	8	operating	operate	VERB
ajiss-357	195	9	in	in	ADP
ajiss-357	195	10	non	non	ADJ
ajiss-357	195	11	-	-	ADJ
ajiss-357	195	12	islamic	islamic	ADJ
ajiss-357	195	13	financial	financial	ADJ
ajiss-357	195	14	environments	environment	NOUN
ajiss-357	195	15	face	face	VERB
ajiss-357	195	16	a	a	DET
ajiss-357	195	17	twofold	twofold	NOUN
ajiss-357	195	18	conundrum	conundrum	NOUN
ajiss-357	195	19	when	when	SCONJ
ajiss-357	195	20	confronted	confront	VERB
ajiss-357	195	21	with	with	ADP
ajiss-357	195	22	abrupt	abrupt	ADJ
ajiss-357	195	23	changes	change	NOUN
ajiss-357	195	24	in	in	ADP
ajiss-357	195	25	financial	financial	ADJ
ajiss-357	195	26	regulations	regulation	NOUN
ajiss-357	195	27	:	:	PUNCT
ajiss-357	195	28	the	the	DET
ajiss-357	195	29	regulations	regulation	NOUN
ajiss-357	195	30	are	be	AUX
ajiss-357	195	31	made	make	VERB
ajiss-357	195	32	for	for	ADP
ajiss-357	195	33	conventional	conventional	ADJ
ajiss-357	195	34	banks	bank	NOUN
ajiss-357	195	35	,	,	PUNCT
ajiss-357	195	36	and	and	CCONJ
ajiss-357	195	37	customizing	customize	VERB
ajiss-357	195	38	them	they	PRON
ajiss-357	195	39	to	to	PART
ajiss-357	195	40	accord	accord	VERB
ajiss-357	195	41	with	with	ADP
ajiss-357	195	42	the	the	DET
ajiss-357	195	43	shari`ah	shari`ah	PROPN
ajiss-357	195	44	requires	require	VERB
ajiss-357	195	45	expert	expert	ADJ
ajiss-357	195	46	knowledge	knowledge	NOUN
ajiss-357	195	47	.	.	PUNCT
ajiss-357	196	1	equity	equity	NOUN
ajiss-357	196	2	participation	participation	NOUN
ajiss-357	196	3	principles	principle	NOUN
ajiss-357	196	4	and	and	CCONJ
ajiss-357	196	5	shari`ah	shari`ah	PROPN
ajiss-357	196	6	guidelines	guideline	NOUN
ajiss-357	196	7	get	get	AUX
ajiss-357	196	8	complicated	complicated	ADJ
ajiss-357	196	9	when	when	SCONJ
ajiss-357	196	10	an	an	DET
ajiss-357	196	11	islamic	islamic	PROPN
ajiss-357	196	12	bank	bank	PROPN
ajiss-357	196	13	operates	operate	VERB
ajiss-357	196	14	in	in	ADP
ajiss-357	196	15	a	a	DET
ajiss-357	196	16	conventional	conventional	ADJ
ajiss-357	196	17	legal	legal	ADJ
ajiss-357	196	18	environment	environment	NOUN
ajiss-357	196	19	.	.	PUNCT
ajiss-357	197	1	the	the	DET
ajiss-357	197	2	inimitable	inimitable	ADJ
ajiss-357	197	3	nature	nature	NOUN
ajiss-357	197	4	of	of	ADP
ajiss-357	197	5	the	the	DET
ajiss-357	197	6	ifis	ifis	NOUN
ajiss-357	197	7	’	'	PUNCT
ajiss-357	197	8	financing	financing	NOUN
ajiss-357	197	9	modes	mode	NOUN
ajiss-357	197	10	and	and	CCONJ
ajiss-357	197	11	business	business	NOUN
ajiss-357	197	12	contracts	contract	NOUN
ajiss-357	197	13	expose	expose	VERB
ajiss-357	197	14	them	they	PRON
ajiss-357	197	15	to	to	ADP
ajiss-357	197	16	business	business	NOUN
ajiss-357	197	17	,	,	PUNCT
ajiss-357	197	18	reputational	reputational	ADJ
ajiss-357	197	19	,	,	PUNCT
ajiss-357	197	20	and	and	CCONJ
ajiss-357	197	21	legal	legal	ADJ
ajiss-357	197	22	risks	risk	NOUN
ajiss-357	197	23	that	that	PRON
ajiss-357	197	24	must	must	AUX
ajiss-357	197	25	adhere	adhere	VERB
ajiss-357	197	26	to	to	ADP
ajiss-357	197	27	the	the	DET
ajiss-357	197	28	shari`ah	shari`ah	PROPN
ajiss-357	197	29	’s	’s	PART
ajiss-357	197	30	guidelines	guideline	NOUN
ajiss-357	197	31	.	.	PUNCT
ajiss-357	198	1	any	any	DET
ajiss-357	198	2	failure	failure	NOUN
ajiss-357	198	3	to	to	PART
ajiss-357	198	4	do	do	AUX
ajiss-357	198	5	so	so	ADV
ajiss-357	198	6	will	will	AUX
ajiss-357	198	7	result	result	VERB
ajiss-357	198	8	in	in	ADP
ajiss-357	198	9	the	the	DET
ajiss-357	198	10	loss	loss	NOUN
ajiss-357	198	11	of	of	ADP
ajiss-357	198	12	customers	customer	NOUN
ajiss-357	198	13	and	and	CCONJ
ajiss-357	198	14	,	,	PUNCT
ajiss-357	198	15	ultimately	ultimately	ADV
ajiss-357	198	16	,	,	PUNCT
ajiss-357	198	17	liquidity	liquidity	NOUN
ajiss-357	198	18	risk	risk	NOUN
ajiss-357	198	19	.	.	PUNCT
ajiss-357	199	1	the	the	DET
ajiss-357	199	2	ifsb	ifsb	NOUN
ajiss-357	199	3	provides	provide	VERB
ajiss-357	199	4	scanty	scanty	ADJ
ajiss-357	199	5	guidelines	guideline	NOUN
ajiss-357	199	6	on	on	ADP
ajiss-357	199	7	such	such	ADJ
ajiss-357	199	8	matters	matter	NOUN
ajiss-357	199	9	as	as	ADP
ajiss-357	199	10	risk	risk	NOUN
ajiss-357	199	11	assessment	assessment	NOUN
ajiss-357	199	12	and	and	CCONJ
ajiss-357	199	13	implementation	implementation	NOUN
ajiss-357	199	14	principles	principle	NOUN
ajiss-357	199	15	,	,	PUNCT
ajiss-357	199	16	matching	match	VERB
ajiss-357	199	17	the	the	DET
ajiss-357	199	18	regulations	regulation	NOUN
ajiss-357	199	19	with	with	ADP
ajiss-357	199	20	local	local	ADJ
ajiss-357	199	21	laws	law	NOUN
ajiss-357	199	22	to	to	PART
ajiss-357	199	23	avoid	avoid	VERB
ajiss-357	199	24	legal	legal	ADJ
ajiss-357	199	25	risk	risk	NOUN
ajiss-357	199	26	,	,	PUNCT
ajiss-357	199	27	and	and	CCONJ
ajiss-357	199	28	strict	strict	ADJ
ajiss-357	199	29	matching	matching	NOUN
ajiss-357	199	30	with	with	ADP
ajiss-357	199	31	shari`ah	shari`ah	NOUN
ajiss-357	199	32	principles.35	principles.35	NOUN
ajiss-357	199	33	establishing	establish	VERB
ajiss-357	199	34	a	a	DET
ajiss-357	199	35	risk	risk	NOUN
ajiss-357	199	36	management	management	NOUN
ajiss-357	199	37	system	system	NOUN
ajiss-357	199	38	in	in	ADP
ajiss-357	199	39	ifis	ifis	PROPN
ajiss-357	199	40	is	be	AUX
ajiss-357	199	41	an	an	DET
ajiss-357	199	42	iterative	iterative	NOUN
ajiss-357	199	43	process	process	NOUN
ajiss-357	199	44	.	.	PUNCT
ajiss-357	200	1	the	the	DET
ajiss-357	200	2	priority	priority	NOUN
ajiss-357	200	3	now	now	ADV
ajiss-357	200	4	is	be	AUX
ajiss-357	200	5	to	to	PART
ajiss-357	200	6	call	call	VERB
ajiss-357	200	7	upon	upon	SCONJ
ajiss-357	200	8	the	the	DET
ajiss-357	200	9	international	international	ADJ
ajiss-357	200	10	organization	organization	NOUN
ajiss-357	200	11	for	for	ADP
ajiss-357	200	12	standardization	standardization	NOUN
ajiss-357	200	13	(	(	PUNCT
ajiss-357	200	14	iso	iso	NOUN
ajiss-357	200	15	)	)	PUNCT
ajiss-357	200	16	to	to	PART
ajiss-357	200	17	formulate	formulate	VERB
ajiss-357	200	18	detailed	detailed	ADJ
ajiss-357	200	19	standardized	standardized	ADJ
ajiss-357	200	20	risk	risk	NOUN
ajiss-357	200	21	management	management	NOUN
ajiss-357	200	22	regulations	regulation	NOUN
ajiss-357	200	23	for	for	ADP
ajiss-357	200	24	islamic	islamic	ADJ
ajiss-357	200	25	banks	bank	NOUN
ajiss-357	200	26	only	only	ADV
ajiss-357	200	27	including	include	VERB
ajiss-357	200	28	the	the	DET
ajiss-357	200	29	pro	pro	ADJ
ajiss-357	200	30	-	-	ADJ
ajiss-357	200	31	active	active	ADJ
ajiss-357	200	32	role	role	NOUN
ajiss-357	200	33	of	of	ADP
ajiss-357	200	34	derivative	derivative	ADJ
ajiss-357	200	35	instruments.36	instruments.36	NOUN
ajiss-357	200	36	effective	effective	ADJ
ajiss-357	200	37	risk	risk	NOUN
ajiss-357	200	38	management	management	NOUN
ajiss-357	200	39	requires	require	VERB
ajiss-357	200	40	an	an	DET
ajiss-357	200	41	external	external	ADJ
ajiss-357	200	42	audit	audit	NOUN
ajiss-357	200	43	,	,	PUNCT
ajiss-357	200	44	an	an	DET
ajiss-357	200	45	internal	internal	ADJ
ajiss-357	200	46	audit	audit	NOUN
ajiss-357	200	47	and	and	CCONJ
ajiss-357	200	48	control	control	NOUN
ajiss-357	200	49	system	system	NOUN
ajiss-357	200	50	,	,	PUNCT
ajiss-357	200	51	a	a	DET
ajiss-357	200	52	separate	separate	ADJ
ajiss-357	200	53	risk	risk	NOUN
ajiss-357	200	54	management	management	NOUN
ajiss-357	200	55	division	division	NOUN
ajiss-357	200	56	for	for	ADP
ajiss-357	200	57	all	all	DET
ajiss-357	200	58	islamic	islamic	ADJ
ajiss-357	200	59	banks	bank	NOUN
ajiss-357	200	60	,	,	PUNCT
ajiss-357	200	61	and	and	CCONJ
ajiss-357	200	62	a	a	DET
ajiss-357	200	63	vigilant	vigilant	ADJ
ajiss-357	200	64	board	board	NOUN
ajiss-357	200	65	of	of	ADP
ajiss-357	200	66	directors	director	NOUN
ajiss-357	200	67	to	to	PART
ajiss-357	200	68	foresee	foresee	VERB
ajiss-357	200	69	the	the	DET
ajiss-357	200	70	risk	risk	NOUN
ajiss-357	200	71	management	management	NOUN
ajiss-357	200	72	condition	condition	NOUN
ajiss-357	200	73	and	and	CCONJ
ajiss-357	200	74	control	control	VERB
ajiss-357	200	75	the	the	DET
ajiss-357	200	76	bank	bank	NOUN
ajiss-357	200	77	’s	’s	PART
ajiss-357	200	78	functioning.37	functioning.37	NOUN
ajiss-357	200	79	for	for	ADP
ajiss-357	200	80	transparency	transparency	NOUN
ajiss-357	200	81	,	,	PUNCT
ajiss-357	200	82	an	an	DET
ajiss-357	200	83	effective	effective	ADJ
ajiss-357	200	84	risk	risk	NOUN
ajiss-357	200	85	management	management	NOUN
ajiss-357	200	86	culture	culture	NOUN
ajiss-357	200	87	must	must	AUX
ajiss-357	200	88	be	be	AUX
ajiss-357	200	89	cultivated	cultivate	VERB
ajiss-357	200	90	in	in	ADP
ajiss-357	200	91	order	order	NOUN
ajiss-357	200	92	to	to	PART
ajiss-357	200	93	ensure	ensure	VERB
ajiss-357	200	94	competitiveness	competitiveness	NOUN
ajiss-357	200	95	and	and	CCONJ
ajiss-357	200	96	the	the	DET
ajiss-357	200	97	islamic	islamic	PROPN
ajiss-357	200	98	bank	bank	PROPN
ajiss-357	200	99	’s	’s	PART
ajiss-357	200	100	survival	survival	NOUN
ajiss-357	200	101	.	.	PUNCT
ajiss-357	201	1	of	of	ADV
ajiss-357	201	2	course	course	ADV
ajiss-357	201	3	this	this	PRON
ajiss-357	201	4	requires	require	VERB
ajiss-357	201	5	the	the	DET
ajiss-357	201	6	active	active	ADJ
ajiss-357	201	7	collaboration	collaboration	NOUN
ajiss-357	201	8	of	of	ADP
ajiss-357	201	9	bank	bank	NOUN
ajiss-357	201	10	supervisors	supervisor	NOUN
ajiss-357	201	11	,	,	PUNCT
ajiss-357	201	12	senior	senior	ADJ
ajiss-357	201	13	bank	bank	NOUN
ajiss-357	201	14	managers	manager	NOUN
ajiss-357	201	15	,	,	PUNCT
ajiss-357	201	16	and	and	CCONJ
ajiss-357	201	17	shari`ah	shari`ah	PROPN
ajiss-357	201	18	scholars	scholar	NOUN
ajiss-357	201	19	.	.	PUNCT
ajiss-357	202	1	hassan	hassan	PROPN
ajiss-357	202	2	and	and	CCONJ
ajiss-357	202	3	chowdhury	chowdhury	PROPN
ajiss-357	202	4	:	:	PUNCT
ajiss-357	202	5	islamic	islamic	ADJ
ajiss-357	202	6	banking	banking	NOUN
ajiss-357	202	7	regulations	regulation	NOUN
ajiss-357	202	8	89	89	NUM
ajiss-357	202	9	ajiss-27-1-final-obay.qxp	ajiss-27-1-final-obay.qxp	PROPN
ajiss-357	202	10	6/9/2010	6/9/2010	PROPN
ajiss-357	202	11	4:06	4:06	NUM
ajiss-357	202	12	pm	pm	NOUN
ajiss-357	202	13	page	page	NOUN
ajiss-357	202	14	89	89	NUM
ajiss-357	202	15	pdf	pdf	NOUN
ajiss-357	202	16	created	create	VERB
ajiss-357	202	17	with	with	ADP
ajiss-357	202	18	pdffactory	pdffactory	ADJ
ajiss-357	202	19	pro	pro	ADJ
ajiss-357	202	20	trial	trial	NOUN
ajiss-357	202	21	version	version	NOUN
ajiss-357	202	22	www.pdffactory.com	www.pdffactory.com	X
ajiss-357	202	23	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	202	24	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	203	1	corporate	corporate	ADJ
ajiss-357	203	2	governance	governance	NOUN
ajiss-357	203	3	of	of	ADP
ajiss-357	203	4	islamic	islamic	ADJ
ajiss-357	203	5	banks	bank	NOUN
ajiss-357	203	6	corporate	corporate	ADJ
ajiss-357	203	7	governance	governance	NOUN
ajiss-357	203	8	,	,	PUNCT
ajiss-357	203	9	defined	define	VERB
ajiss-357	203	10	as	as	ADP
ajiss-357	203	11	enhancing	enhance	VERB
ajiss-357	203	12	wealth	wealth	NOUN
ajiss-357	203	13	creation	creation	NOUN
ajiss-357	203	14	through	through	ADP
ajiss-357	203	15	increased	increase	VERB
ajiss-357	203	16	accountability	accountability	NOUN
ajiss-357	203	17	,	,	PUNCT
ajiss-357	203	18	is	be	AUX
ajiss-357	203	19	also	also	ADV
ajiss-357	203	20	a	a	DET
ajiss-357	203	21	set	set	NOUN
ajiss-357	203	22	of	of	ADP
ajiss-357	203	23	processes	process	NOUN
ajiss-357	203	24	,	,	PUNCT
ajiss-357	203	25	customs	custom	NOUN
ajiss-357	203	26	,	,	PUNCT
ajiss-357	203	27	policies	policy	NOUN
ajiss-357	203	28	,	,	PUNCT
ajiss-357	203	29	laws	law	NOUN
ajiss-357	203	30	,	,	PUNCT
ajiss-357	203	31	and	and	CCONJ
ajiss-357	203	32	institutions	institution	NOUN
ajiss-357	203	33	that	that	PRON
ajiss-357	203	34	affect	affect	VERB
ajiss-357	203	35	how	how	SCONJ
ajiss-357	203	36	a	a	DET
ajiss-357	203	37	corporation	corporation	NOUN
ajiss-357	203	38	is	be	AUX
ajiss-357	203	39	directed	direct	VERB
ajiss-357	203	40	,	,	PUNCT
ajiss-357	203	41	administered	administer	VERB
ajiss-357	203	42	or	or	CCONJ
ajiss-357	203	43	controlled	control	VERB
ajiss-357	203	44	;	;	PUNCT
ajiss-357	203	45	a	a	DET
ajiss-357	203	46	system	system	NOUN
ajiss-357	203	47	through	through	ADP
ajiss-357	203	48	which	which	PRON
ajiss-357	203	49	the	the	DET
ajiss-357	203	50	organization	organization	NOUN
ajiss-357	203	51	’s	’s	PART
ajiss-357	203	52	step	step	NOUN
ajiss-357	203	53	-	-	PUNCT
ajiss-357	203	54	by	by	ADP
ajiss-357	203	55	-	-	PUNCT
ajiss-357	203	56	step	step	NOUN
ajiss-357	203	57	procedures	procedure	NOUN
ajiss-357	203	58	achieve	achieve	VERB
ajiss-357	203	59	the	the	DET
ajiss-357	203	60	bottom	bottom	ADJ
ajiss-357	203	61	-	-	PUNCT
ajiss-357	203	62	line	line	NOUN
ajiss-357	203	63	objective.38	objective.38	NOUN
ajiss-357	203	64	the	the	DET
ajiss-357	203	65	thread	thread	NOUN
ajiss-357	203	66	of	of	ADP
ajiss-357	203	67	corporate	corporate	ADJ
ajiss-357	203	68	governance	governance	NOUN
ajiss-357	203	69	for	for	ADP
ajiss-357	203	70	islamic	islamic	ADJ
ajiss-357	203	71	banking	banking	NOUN
ajiss-357	203	72	is	be	AUX
ajiss-357	203	73	that	that	PRON
ajiss-357	203	74	of	of	ADP
ajiss-357	203	75	having	have	VERB
ajiss-357	203	76	respect	respect	NOUN
ajiss-357	203	77	for	for	ADP
ajiss-357	203	78	a	a	DET
ajiss-357	203	79	godly	godly	ADJ
ajiss-357	203	80	,	,	PUNCT
ajiss-357	203	81	ethical	ethical	ADJ
ajiss-357	203	82	,	,	PUNCT
ajiss-357	203	83	human	human	ADJ
ajiss-357	203	84	,	,	PUNCT
ajiss-357	203	85	balanced	balanced	ADJ
ajiss-357	203	86	,	,	PUNCT
ajiss-357	203	87	and	and	CCONJ
ajiss-357	203	88	moderate	moderate	ADJ
ajiss-357	203	89	system	system	NOUN
ajiss-357	203	90	that	that	PRON
ajiss-357	203	91	establishes	establish	VERB
ajiss-357	203	92	an	an	DET
ajiss-357	203	93	islamic	islamic	ADJ
ajiss-357	203	94	way	way	NOUN
ajiss-357	203	95	of	of	ADP
ajiss-357	203	96	life39	life39	NOUN
ajiss-357	203	97	–	–	PUNCT
ajiss-357	203	98	the	the	DET
ajiss-357	203	99	islamic	islamic	ADJ
ajiss-357	203	100	way	way	NOUN
ajiss-357	203	101	of	of	ADP
ajiss-357	203	102	banking	banking	NOUN
ajiss-357	203	103	,	,	PUNCT
ajiss-357	203	104	which	which	PRON
ajiss-357	203	105	successfully	successfully	ADV
ajiss-357	203	106	integrates	integrate	VERB
ajiss-357	203	107	the	the	DET
ajiss-357	203	108	stakeholders	stakeholder	NOUN
ajiss-357	203	109	for	for	ADP
ajiss-357	203	110	mutual	mutual	ADJ
ajiss-357	203	111	cooperation	cooperation	NOUN
ajiss-357	203	112	and	and	CCONJ
ajiss-357	203	113	development	development	NOUN
ajiss-357	203	114	.	.	PUNCT
ajiss-357	204	1	apart	apart	ADV
ajiss-357	204	2	from	from	ADP
ajiss-357	204	3	prohibiting	prohibit	VERB
ajiss-357	204	4	interest	interest	NOUN
ajiss-357	204	5	,	,	PUNCT
ajiss-357	204	6	corporate	corporate	ADJ
ajiss-357	204	7	governance	governance	NOUN
ajiss-357	204	8	standards	standard	NOUN
ajiss-357	204	9	can	can	AUX
ajiss-357	204	10	uniquely	uniquely	ADV
ajiss-357	204	11	differentiate	differentiate	VERB
ajiss-357	204	12	ifis	ifis	NOUN
ajiss-357	204	13	from	from	ADP
ajiss-357	204	14	cfis	cfis	NOUN
ajiss-357	204	15	for	for	ADP
ajiss-357	204	16	banks	bank	NOUN
ajiss-357	204	17	.	.	PUNCT
ajiss-357	205	1	there	there	PRON
ajiss-357	205	2	are	be	VERB
ajiss-357	205	3	ten	ten	NUM
ajiss-357	205	4	different	different	ADJ
ajiss-357	205	5	types	type	NOUN
ajiss-357	205	6	of	of	ADP
ajiss-357	205	7	stakeholders	stakeholder	NOUN
ajiss-357	205	8	:	:	PUNCT
ajiss-357	205	9	shareholders	shareholder	NOUN
ajiss-357	205	10	,	,	PUNCT
ajiss-357	205	11	boards	board	NOUN
ajiss-357	205	12	of	of	ADP
ajiss-357	205	13	directors	director	NOUN
ajiss-357	205	14	,	,	PUNCT
ajiss-357	205	15	shari`ah	shari`ah	PROPN
ajiss-357	205	16	board	board	NOUN
ajiss-357	205	17	,	,	PUNCT
ajiss-357	205	18	managers	manager	NOUN
ajiss-357	205	19	,	,	PUNCT
ajiss-357	205	20	employees	employee	NOUN
ajiss-357	205	21	,	,	PUNCT
ajiss-357	205	22	current	current	ADJ
ajiss-357	205	23	account	account	NOUN
ajiss-357	205	24	holders	holder	NOUN
ajiss-357	205	25	,	,	PUNCT
ajiss-357	205	26	investment	investment	NOUN
ajiss-357	205	27	account	account	NOUN
ajiss-357	205	28	holders	holder	NOUN
ajiss-357	205	29	,	,	PUNCT
ajiss-357	205	30	partners	partner	NOUN
ajiss-357	205	31	through	through	ADP
ajiss-357	205	32	mudarabah	mudarabah	NOUN
ajiss-357	205	33	and	and	CCONJ
ajiss-357	205	34	musharakah	musharakah	PROPN
ajiss-357	205	35	,	,	PUNCT
ajiss-357	205	36	regulators	regulator	NOUN
ajiss-357	205	37	,	,	PUNCT
ajiss-357	205	38	and	and	CCONJ
ajiss-357	205	39	external	external	ADJ
ajiss-357	205	40	auditors	auditor	NOUN
ajiss-357	205	41	–	–	PUNCT
ajiss-357	205	42	all	all	PRON
ajiss-357	205	43	of	of	ADP
ajiss-357	205	44	whom	whom	PRON
ajiss-357	205	45	operate	operate	VERB
ajiss-357	205	46	with	with	ADP
ajiss-357	205	47	the	the	DET
ajiss-357	205	48	economic	economic	ADJ
ajiss-357	205	49	,	,	PUNCT
ajiss-357	205	50	financial	financial	ADJ
ajiss-357	205	51	,	,	PUNCT
ajiss-357	205	52	legal	legal	ADJ
ajiss-357	205	53	,	,	PUNCT
ajiss-357	205	54	and	and	CCONJ
ajiss-357	205	55	accounting	accounting	NOUN
ajiss-357	205	56	systems	system	NOUN
ajiss-357	205	57	as	as	ADV
ajiss-357	205	58	well	well	ADV
ajiss-357	205	59	as	as	ADP
ajiss-357	205	60	banking	bank	VERB
ajiss-357	205	61	associations.40	associations.40	ADP
ajiss-357	205	62	the	the	DET
ajiss-357	205	63	ifsb	ifsb	NOUN
ajiss-357	205	64	has	have	AUX
ajiss-357	205	65	proposed	propose	VERB
ajiss-357	205	66	the	the	DET
ajiss-357	205	67	development	development	NOUN
ajiss-357	205	68	of	of	ADP
ajiss-357	205	69	a	a	DET
ajiss-357	205	70	strategic	strategic	ADJ
ajiss-357	205	71	and	and	CCONJ
ajiss-357	205	72	tailor	tailor	NOUN
ajiss-357	205	73	-	-	PUNCT
ajiss-357	205	74	made	make	VERB
ajiss-357	205	75	corporate	corporate	ADJ
ajiss-357	205	76	culture	culture	NOUN
ajiss-357	205	77	in	in	ADP
ajiss-357	205	78	order	order	NOUN
ajiss-357	205	79	to	to	PART
ajiss-357	205	80	build	build	VERB
ajiss-357	205	81	an	an	DET
ajiss-357	205	82	effective	effective	ADJ
ajiss-357	205	83	corporate	corporate	ADJ
ajiss-357	205	84	governance	governance	NOUN
ajiss-357	205	85	mechanism	mechanism	NOUN
ajiss-357	205	86	for	for	ADP
ajiss-357	205	87	islamic	islamic	ADJ
ajiss-357	205	88	banks	bank	NOUN
ajiss-357	205	89	operating	operate	VERB
ajiss-357	205	90	in	in	ADP
ajiss-357	205	91	all	all	DET
ajiss-357	205	92	countries.41	countries.41	NOUN
ajiss-357	205	93	this	this	DET
ajiss-357	205	94	document	document	NOUN
ajiss-357	205	95	enumerates	enumerate	VERB
ajiss-357	205	96	four	four	NUM
ajiss-357	205	97	broad	broad	ADJ
ajiss-357	205	98	principles	principle	NOUN
ajiss-357	205	99	:	:	PUNCT
ajiss-357	205	100	establishing	establish	VERB
ajiss-357	205	101	a	a	DET
ajiss-357	205	102	comprehensive	comprehensive	ADJ
ajiss-357	205	103	governance	governance	NOUN
ajiss-357	205	104	framework	framework	NOUN
ajiss-357	205	105	that	that	PRON
ajiss-357	205	106	explains	explain	VERB
ajiss-357	205	107	the	the	DET
ajiss-357	205	108	stakeholders	stakeholder	NOUN
ajiss-357	205	109	’	'	PUNCT
ajiss-357	205	110	role	role	NOUN
ajiss-357	205	111	and	and	CCONJ
ajiss-357	205	112	accountability	accountability	NOUN
ajiss-357	205	113	,	,	PUNCT
ajiss-357	205	114	exercising	exercise	VERB
ajiss-357	205	115	the	the	DET
ajiss-357	205	116	rights	right	NOUN
ajiss-357	205	117	of	of	ADP
ajiss-357	205	118	the	the	DET
ajiss-357	205	119	investment	investment	NOUN
ajiss-357	205	120	account	account	NOUN
ajiss-357	205	121	holders	holder	NOUN
ajiss-357	205	122	,	,	PUNCT
ajiss-357	205	123	obtaining	obtain	VERB
ajiss-357	205	124	shari`ah	shari`ah	NOUN
ajiss-357	205	125	rulings	ruling	NOUN
ajiss-357	205	126	and	and	CCONJ
ajiss-357	205	127	then	then	ADV
ajiss-357	205	128	applying	apply	VERB
ajiss-357	205	129	and	and	CCONJ
ajiss-357	205	130	controlling	control	VERB
ajiss-357	205	131	them	they	PRON
ajiss-357	205	132	effectively	effectively	ADV
ajiss-357	205	133	,	,	PUNCT
ajiss-357	205	134	and	and	CCONJ
ajiss-357	205	135	disclosing	disclose	VERB
ajiss-357	205	136	information	information	NOUN
ajiss-357	205	137	pertinent	pertinent	NOUN
ajiss-357	205	138	to	to	ADP
ajiss-357	205	139	the	the	DET
ajiss-357	205	140	investment	investment	NOUN
ajiss-357	205	141	account	account	NOUN
ajiss-357	205	142	holders	holder	NOUN
ajiss-357	205	143	and	and	CCONJ
ajiss-357	205	144	the	the	DET
ajiss-357	205	145	general	general	ADJ
ajiss-357	205	146	public	public	NOUN
ajiss-357	205	147	so	so	SCONJ
ajiss-357	205	148	they	they	PRON
ajiss-357	205	149	can	can	AUX
ajiss-357	205	150	make	make	VERB
ajiss-357	205	151	better	well	ADJ
ajiss-357	205	152	investment	investment	NOUN
ajiss-357	205	153	decisions	decision	NOUN
ajiss-357	205	154	.	.	PUNCT
ajiss-357	206	1	the	the	DET
ajiss-357	206	2	rating	rating	NOUN
ajiss-357	206	3	of	of	ADP
ajiss-357	206	4	islamic	islamic	ADJ
ajiss-357	206	5	banks	bank	NOUN
ajiss-357	206	6	,	,	PUNCT
ajiss-357	206	7	standardization	standardization	NOUN
ajiss-357	206	8	,	,	PUNCT
ajiss-357	206	9	transparency	transparency	NOUN
ajiss-357	206	10	,	,	PUNCT
ajiss-357	206	11	and	and	CCONJ
ajiss-357	206	12	disclosure	disclosure	NOUN
ajiss-357	206	13	can	can	AUX
ajiss-357	206	14	emerge	emerge	VERB
ajiss-357	206	15	as	as	ADP
ajiss-357	206	16	significant	significant	ADJ
ajiss-357	206	17	issues	issue	NOUN
ajiss-357	206	18	that	that	PRON
ajiss-357	206	19	must	must	AUX
ajiss-357	206	20	be	be	AUX
ajiss-357	206	21	addressed	address	VERB
ajiss-357	206	22	.	.	PUNCT
ajiss-357	207	1	auditing	audit	VERB
ajiss-357	207	2	the	the	DET
ajiss-357	207	3	banks	bank	NOUN
ajiss-357	207	4	’	’	PART
ajiss-357	207	5	accountability	accountability	NOUN
ajiss-357	207	6	and	and	CCONJ
ajiss-357	207	7	transparency	transparency	NOUN
ajiss-357	207	8	should	should	AUX
ajiss-357	207	9	vouchsafe	vouchsafe	VERB
ajiss-357	207	10	for	for	ADP
ajiss-357	207	11	the	the	DET
ajiss-357	207	12	ethical	ethical	ADJ
ajiss-357	207	13	provision	provision	NOUN
ajiss-357	207	14	of	of	ADP
ajiss-357	207	15	information	information	NOUN
ajiss-357	207	16	.	.	PUNCT
ajiss-357	208	1	internal	internal	ADJ
ajiss-357	208	2	supervisors	supervisor	NOUN
ajiss-357	208	3	are	be	AUX
ajiss-357	208	4	to	to	PART
ajiss-357	208	5	intervene	intervene	VERB
ajiss-357	208	6	in	in	ADP
ajiss-357	208	7	any	any	DET
ajiss-357	208	8	job	job	NOUN
ajiss-357	208	9	that	that	PRON
ajiss-357	208	10	violates	violate	VERB
ajiss-357	208	11	the	the	DET
ajiss-357	208	12	suggested	suggest	VERB
ajiss-357	208	13	guidelines	guideline	NOUN
ajiss-357	208	14	,	,	PUNCT
ajiss-357	208	15	while	while	SCONJ
ajiss-357	208	16	external	external	ADJ
ajiss-357	208	17	auditors	auditor	NOUN
ajiss-357	208	18	ensure	ensure	VERB
ajiss-357	208	19	tighter	tight	ADJ
ajiss-357	208	20	accountability	accountability	NOUN
ajiss-357	208	21	and	and	CCONJ
ajiss-357	208	22	objectivity	objectivity	NOUN
ajiss-357	208	23	.	.	PUNCT
ajiss-357	209	1	islamic	islamic	ADJ
ajiss-357	209	2	banks	bank	NOUN
ajiss-357	209	3	need	need	VERB
ajiss-357	209	4	to	to	PART
ajiss-357	209	5	understand	understand	VERB
ajiss-357	209	6	the	the	DET
ajiss-357	209	7	vital	vital	ADJ
ajiss-357	209	8	relationship	relationship	NOUN
ajiss-357	209	9	among	among	ADP
ajiss-357	209	10	stakeholders	stakeholder	NOUN
ajiss-357	209	11	and	and	CCONJ
ajiss-357	209	12	nurture	nurture	VERB
ajiss-357	209	13	the	the	DET
ajiss-357	209	14	shared	share	VERB
ajiss-357	209	15	objective	objective	NOUN
ajiss-357	209	16	of	of	ADP
ajiss-357	209	17	wealth	wealth	NOUN
ajiss-357	209	18	maximization	maximization	NOUN
ajiss-357	209	19	.	.	PUNCT
ajiss-357	210	1	establishing	establish	VERB
ajiss-357	210	2	a	a	DET
ajiss-357	210	3	corporate	corporate	ADJ
ajiss-357	210	4	governance	governance	NOUN
ajiss-357	210	5	culture	culture	NOUN
ajiss-357	210	6	,	,	PUNCT
ajiss-357	210	7	a	a	DET
ajiss-357	210	8	central	central	ADJ
ajiss-357	210	9	shari`ah	shari`ah	PROPN
ajiss-357	210	10	council	council	NOUN
ajiss-357	210	11	,	,	PUNCT
ajiss-357	210	12	and	and	CCONJ
ajiss-357	210	13	the	the	DET
ajiss-357	210	14	shari`ah	shari`ah	PROPN
ajiss-357	210	15	’s	’s	PART
ajiss-357	210	16	guidelines	guideline	NOUN
ajiss-357	210	17	will	will	AUX
ajiss-357	210	18	become	become	VERB
ajiss-357	210	19	inexorable	inexorable	ADJ
ajiss-357	210	20	for	for	ADP
ajiss-357	210	21	achieving	achieve	VERB
ajiss-357	210	22	effective	effective	ADJ
ajiss-357	210	23	corporate	corporate	ADJ
ajiss-357	210	24	governance.42	governance.42	NOUN
ajiss-357	210	25	transparency	transparency	NOUN
ajiss-357	210	26	of	of	ADP
ajiss-357	210	27	islamic	islamic	ADJ
ajiss-357	210	28	banks	bank	NOUN
ajiss-357	210	29	in	in	ADP
ajiss-357	210	30	light	light	NOUN
ajiss-357	210	31	of	of	ADP
ajiss-357	210	32	basel	basel	PROPN
ajiss-357	210	33	ii	ii	PROPN
ajiss-357	210	34	basel	basel	PROPN
ajiss-357	210	35	ii	ii	PROPN
ajiss-357	210	36	’s	’s	PART
ajiss-357	210	37	third	third	ADJ
ajiss-357	210	38	pillar	pillar	NOUN
ajiss-357	210	39	envisages	envisage	VERB
ajiss-357	210	40	supervisors	supervisor	NOUN
ajiss-357	210	41	promoting	promote	VERB
ajiss-357	210	42	market	market	NOUN
ajiss-357	210	43	discipline	discipline	NOUN
ajiss-357	210	44	through	through	ADP
ajiss-357	210	45	disclosure	disclosure	NOUN
ajiss-357	210	46	and	and	CCONJ
ajiss-357	210	47	transparency	transparency	NOUN
ajiss-357	210	48	of	of	ADP
ajiss-357	210	49	relevant	relevant	ADJ
ajiss-357	210	50	information	information	NOUN
ajiss-357	210	51	on	on	ADP
ajiss-357	210	52	the	the	DET
ajiss-357	210	53	bank	bank	NOUN
ajiss-357	210	54	’s	’s	PART
ajiss-357	210	55	90	90	NUM
ajiss-357	210	56	the	the	DET
ajiss-357	210	57	american	american	ADJ
ajiss-357	210	58	journal	journal	PROPN
ajiss-357	210	59	of	of	ADP
ajiss-357	210	60	islamic	islamic	ADJ
ajiss-357	210	61	social	social	PROPN
ajiss-357	210	62	sciences	sciences	PROPN
ajiss-357	210	63	27:1	27:1	NUM
ajiss-357	210	64	ajiss-27-1-final-obay.qxp	ajiss-27-1-final-obay.qxp	PROPN
ajiss-357	210	65	6/9/2010	6/9/2010	NUM
ajiss-357	210	66	4:06	4:06	NUM
ajiss-357	210	67	pm	pm	NOUN
ajiss-357	210	68	page	page	NOUN
ajiss-357	210	69	90	90	NUM
ajiss-357	210	70	pdf	pdf	NOUN
ajiss-357	210	71	created	create	VERB
ajiss-357	210	72	with	with	ADP
ajiss-357	210	73	pdffactory	pdffactory	ADJ
ajiss-357	210	74	pro	pro	ADJ
ajiss-357	210	75	trial	trial	NOUN
ajiss-357	210	76	version	version	NOUN
ajiss-357	210	77	www.pdffactory.com	www.pdffactory.com	X
ajiss-357	210	78	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	210	79	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	211	1	risk	risk	NOUN
ajiss-357	211	2	exposure	exposure	NOUN
ajiss-357	211	3	and	and	CCONJ
ajiss-357	211	4	measurement	measurement	NOUN
ajiss-357	211	5	resulting	result	VERB
ajiss-357	211	6	from	from	ADP
ajiss-357	211	7	capital	capital	NOUN
ajiss-357	211	8	inadequacy	inadequacy	NOUN
ajiss-357	211	9	.	.	PUNCT
ajiss-357	212	1	market	market	NOUN
ajiss-357	212	2	discipline	discipline	NOUN
ajiss-357	212	3	refers	refer	VERB
ajiss-357	212	4	to	to	ADP
ajiss-357	212	5	a	a	DET
ajiss-357	212	6	market	market	NOUN
ajiss-357	212	7	-	-	PUNCT
ajiss-357	212	8	based	base	VERB
ajiss-357	212	9	incentive	incentive	NOUN
ajiss-357	212	10	scheme	scheme	NOUN
ajiss-357	212	11	in	in	ADP
ajiss-357	212	12	which	which	PRON
ajiss-357	212	13	investors	investor	NOUN
ajiss-357	212	14	in	in	ADP
ajiss-357	212	15	bank	bank	NOUN
ajiss-357	212	16	liabilities	liability	NOUN
ajiss-357	212	17	(	(	PUNCT
ajiss-357	212	18	e.g.	e.g.	ADV
ajiss-357	212	19	,	,	PUNCT
ajiss-357	212	20	subordinated	subordinated	ADJ
ajiss-357	212	21	debt	debt	NOUN
ajiss-357	212	22	or	or	CCONJ
ajiss-357	212	23	uninsured	uninsured	ADJ
ajiss-357	212	24	deposits	deposit	NOUN
ajiss-357	212	25	)	)	PUNCT
ajiss-357	212	26	punish	punish	VERB
ajiss-357	212	27	banks	bank	NOUN
ajiss-357	212	28	for	for	ADP
ajiss-357	212	29	greater	great	ADJ
ajiss-357	212	30	risk	risk	NOUN
ajiss-357	212	31	-	-	PUNCT
ajiss-357	212	32	taking	taking	NOUN
ajiss-357	212	33	by	by	ADP
ajiss-357	212	34	demanding	demand	VERB
ajiss-357	212	35	higher	high	ADJ
ajiss-357	212	36	yields	yield	NOUN
ajiss-357	212	37	on	on	ADP
ajiss-357	212	38	those	those	DET
ajiss-357	212	39	liabilities.43	liabilities.43	NOUN
ajiss-357	212	40	this	this	PRON
ajiss-357	212	41	is	be	AUX
ajiss-357	212	42	meant	mean	VERB
ajiss-357	212	43	to	to	PART
ajiss-357	212	44	dissuade	dissuade	VERB
ajiss-357	212	45	banks	bank	NOUN
ajiss-357	212	46	from	from	ADP
ajiss-357	212	47	taking	take	VERB
ajiss-357	212	48	arbitrage	arbitrage	NOUN
ajiss-357	212	49	risks	risk	NOUN
ajiss-357	212	50	.	.	PUNCT
ajiss-357	213	1	transparency	transparency	NOUN
ajiss-357	213	2	is	be	AUX
ajiss-357	213	3	defined	define	VERB
ajiss-357	213	4	as	as	ADP
ajiss-357	213	5	the	the	DET
ajiss-357	213	6	public	public	ADJ
ajiss-357	213	7	disclosure	disclosure	NOUN
ajiss-357	213	8	of	of	ADP
ajiss-357	213	9	reliable	reliable	ADJ
ajiss-357	213	10	and	and	CCONJ
ajiss-357	213	11	timely	timely	ADJ
ajiss-357	213	12	information	information	NOUN
ajiss-357	213	13	that	that	PRON
ajiss-357	213	14	enables	enable	VERB
ajiss-357	213	15	those	those	PRON
ajiss-357	213	16	who	who	PRON
ajiss-357	213	17	are	be	AUX
ajiss-357	213	18	familiar	familiar	ADJ
ajiss-357	213	19	with	with	ADP
ajiss-357	213	20	it	it	PRON
ajiss-357	213	21	to	to	PART
ajiss-357	213	22	form	form	VERB
ajiss-357	213	23	an	an	DET
ajiss-357	213	24	accurate	accurate	ADJ
ajiss-357	213	25	assessment	assessment	NOUN
ajiss-357	213	26	of	of	ADP
ajiss-357	213	27	a	a	DET
ajiss-357	213	28	bank	bank	NOUN
ajiss-357	213	29	’s	’s	PART
ajiss-357	213	30	financial	financial	ADJ
ajiss-357	213	31	condition	condition	NOUN
ajiss-357	213	32	and	and	CCONJ
ajiss-357	213	33	performance	performance	NOUN
ajiss-357	213	34	,	,	PUNCT
ajiss-357	213	35	business	business	NOUN
ajiss-357	213	36	activities	activity	NOUN
ajiss-357	213	37	,	,	PUNCT
ajiss-357	213	38	risk	risk	NOUN
ajiss-357	213	39	profile	profile	NOUN
ajiss-357	213	40	,	,	PUNCT
ajiss-357	213	41	and	and	CCONJ
ajiss-357	213	42	risk	risk	NOUN
ajiss-357	213	43	management	management	NOUN
ajiss-357	213	44	practices	practice	NOUN
ajiss-357	213	45	.	.	PUNCT
ajiss-357	214	1	crockett	crockett	NOUN
ajiss-357	214	2	suggests	suggest	VERB
ajiss-357	214	3	four	four	NUM
ajiss-357	214	4	prerequisites	prerequisite	NOUN
ajiss-357	214	5	to	to	PART
ajiss-357	214	6	make	make	VERB
ajiss-357	214	7	market	market	NOUN
ajiss-357	214	8	discipline	discipline	NOUN
ajiss-357	214	9	effective	effective	ADJ
ajiss-357	214	10	and	and	CCONJ
ajiss-357	214	11	ensure	ensure	VERB
ajiss-357	214	12	financial	financial	ADJ
ajiss-357	214	13	stability	stability	NOUN
ajiss-357	214	14	:	:	PUNCT
ajiss-357	214	15	market	market	NOUN
ajiss-357	214	16	participants	participant	NOUN
ajiss-357	214	17	need	need	VERB
ajiss-357	214	18	to	to	PART
ajiss-357	214	19	have	have	VERB
ajiss-357	214	20	sufficient	sufficient	ADJ
ajiss-357	214	21	information	information	NOUN
ajiss-357	214	22	to	to	PART
ajiss-357	214	23	reach	reach	VERB
ajiss-357	214	24	informed	informed	ADJ
ajiss-357	214	25	judgments	judgment	NOUN
ajiss-357	214	26	,	,	PUNCT
ajiss-357	214	27	the	the	DET
ajiss-357	214	28	ability	ability	NOUN
ajiss-357	214	29	to	to	PART
ajiss-357	214	30	process	process	VERB
ajiss-357	214	31	information	information	NOUN
ajiss-357	214	32	correctly	correctly	ADV
ajiss-357	214	33	,	,	PUNCT
ajiss-357	214	34	the	the	DET
ajiss-357	214	35	right	right	ADJ
ajiss-357	214	36	incentives	incentive	NOUN
ajiss-357	214	37	,	,	PUNCT
ajiss-357	214	38	and	and	CCONJ
ajiss-357	214	39	the	the	DET
ajiss-357	214	40	right	right	ADJ
ajiss-357	214	41	mechanism	mechanism	NOUN
ajiss-357	214	42	to	to	PART
ajiss-357	214	43	exercise	exercise	VERB
ajiss-357	214	44	discipline.44	discipline.44	PROPN
ajiss-357	214	45	market	market	NOUN
ajiss-357	214	46	discipline	discipline	NOUN
ajiss-357	214	47	plays	play	VERB
ajiss-357	214	48	a	a	DET
ajiss-357	214	49	vital	vital	ADJ
ajiss-357	214	50	role	role	NOUN
ajiss-357	214	51	in	in	ADP
ajiss-357	214	52	mitigating	mitigate	VERB
ajiss-357	214	53	a	a	DET
ajiss-357	214	54	bank	bank	NOUN
ajiss-357	214	55	’s	’s	PART
ajiss-357	214	56	risk	risk	NOUN
ajiss-357	214	57	of	of	ADP
ajiss-357	214	58	insolvency.45	insolvency.45	CCONJ
ajiss-357	214	59	according	accord	VERB
ajiss-357	214	60	to	to	ADP
ajiss-357	214	61	basel	basel	PROPN
ajiss-357	214	62	ii	ii	PROPN
ajiss-357	214	63	,	,	PUNCT
ajiss-357	214	64	the	the	DET
ajiss-357	214	65	effectiveness	effectiveness	NOUN
ajiss-357	214	66	of	of	ADP
ajiss-357	214	67	market	market	NOUN
ajiss-357	214	68	discipline	discipline	NOUN
ajiss-357	214	69	in	in	ADP
ajiss-357	214	70	controlling	control	VERB
ajiss-357	214	71	excessive	excessive	ADJ
ajiss-357	214	72	risk	risk	NOUN
ajiss-357	214	73	-	-	PUNCT
ajiss-357	214	74	taking	taking	NOUN
ajiss-357	214	75	depends	depend	VERB
ajiss-357	214	76	on	on	ADP
ajiss-357	214	77	three	three	NUM
ajiss-357	214	78	factors	factor	NOUN
ajiss-357	214	79	:	:	PUNCT
ajiss-357	214	80	the	the	DET
ajiss-357	214	81	extent	extent	NOUN
ajiss-357	214	82	of	of	ADP
ajiss-357	214	83	the	the	DET
ajiss-357	214	84	government	government	NOUN
ajiss-357	214	85	’s	’s	PART
ajiss-357	214	86	safety	safety	NOUN
ajiss-357	214	87	net	net	NOUN
ajiss-357	214	88	,	,	PUNCT
ajiss-357	214	89	the	the	DET
ajiss-357	214	90	degree	degree	NOUN
ajiss-357	214	91	to	to	PART
ajiss-357	214	92	which	which	PRON
ajiss-357	214	93	the	the	DET
ajiss-357	214	94	bank	bank	NOUN
ajiss-357	214	95	is	be	AUX
ajiss-357	214	96	financed	finance	VERB
ajiss-357	214	97	by	by	ADP
ajiss-357	214	98	uninsured	uninsured	ADJ
ajiss-357	214	99	liabilities	liability	NOUN
ajiss-357	214	100	,	,	PUNCT
ajiss-357	214	101	and	and	CCONJ
ajiss-357	214	102	the	the	DET
ajiss-357	214	103	degree	degree	NOUN
ajiss-357	214	104	of	of	ADP
ajiss-357	214	105	observability	observability	NOUN
ajiss-357	214	106	of	of	ADP
ajiss-357	214	107	bank	bank	NOUN
ajiss-357	214	108	risk	risk	NOUN
ajiss-357	214	109	choices	choice	NOUN
ajiss-357	214	110	.	.	PUNCT
ajiss-357	215	1	the	the	DET
ajiss-357	215	2	lesser	less	ADJ
ajiss-357	215	3	the	the	DET
ajiss-357	215	4	degree	degree	NOUN
ajiss-357	215	5	of	of	ADP
ajiss-357	215	6	either	either	CCONJ
ajiss-357	215	7	an	an	DET
ajiss-357	215	8	explicit	explicit	ADJ
ajiss-357	215	9	or	or	CCONJ
ajiss-357	215	10	an	an	DET
ajiss-357	215	11	implicit	implicit	ADJ
ajiss-357	215	12	government	government	NOUN
ajiss-357	215	13	guarantee	guarantee	NOUN
ajiss-357	215	14	of	of	ADP
ajiss-357	215	15	the	the	DET
ajiss-357	215	16	bank	bank	NOUN
ajiss-357	215	17	’s	’s	PART
ajiss-357	215	18	liability	liability	NOUN
ajiss-357	215	19	,	,	PUNCT
ajiss-357	215	20	the	the	PRON
ajiss-357	215	21	greater	great	ADJ
ajiss-357	215	22	the	the	DET
ajiss-357	215	23	amount	amount	NOUN
ajiss-357	215	24	of	of	ADP
ajiss-357	215	25	uninsured	uninsured	ADJ
ajiss-357	215	26	liabilities	liability	NOUN
ajiss-357	215	27	in	in	ADP
ajiss-357	215	28	the	the	DET
ajiss-357	215	29	bank	bank	NOUN
ajiss-357	215	30	’s	’s	PART
ajiss-357	215	31	balance	balance	NOUN
ajiss-357	215	32	sheet	sheet	NOUN
ajiss-357	215	33	and	and	CCONJ
ajiss-357	215	34	the	the	PRON
ajiss-357	215	35	greater	great	ADJ
ajiss-357	215	36	the	the	DET
ajiss-357	215	37	market	market	NOUN
ajiss-357	215	38	discipline	discipline	NOUN
ajiss-357	215	39	.	.	PUNCT
ajiss-357	216	1	the	the	DET
ajiss-357	216	2	considerable	considerable	ADJ
ajiss-357	216	3	differences	difference	NOUN
ajiss-357	216	4	in	in	ADP
ajiss-357	216	5	market	market	NOUN
ajiss-357	216	6	discipline	discipline	NOUN
ajiss-357	216	7	across	across	ADP
ajiss-357	216	8	countries	country	NOUN
ajiss-357	216	9	are	be	AUX
ajiss-357	216	10	attributable	attributable	ADJ
ajiss-357	216	11	to	to	ADP
ajiss-357	216	12	technical	technical	ADJ
ajiss-357	216	13	aspects	aspect	NOUN
ajiss-357	216	14	and	and	CCONJ
ajiss-357	216	15	interdependence	interdependence	NOUN
ajiss-357	216	16	among	among	ADP
ajiss-357	216	17	the	the	DET
ajiss-357	216	18	existing	exist	VERB
ajiss-357	216	19	accounting	accounting	NOUN
ajiss-357	216	20	,	,	PUNCT
ajiss-357	216	21	legal	legal	ADJ
ajiss-357	216	22	,	,	PUNCT
ajiss-357	216	23	fiscal	fiscal	ADJ
ajiss-357	216	24	,	,	PUNCT
ajiss-357	216	25	and	and	CCONJ
ajiss-357	216	26	political	political	ADJ
ajiss-357	216	27	considerations	consideration	NOUN
ajiss-357	216	28	.	.	PUNCT
ajiss-357	217	1	policymakers	policymaker	NOUN
ajiss-357	217	2	require	require	VERB
ajiss-357	217	3	adequate	adequate	ADJ
ajiss-357	217	4	information	information	NOUN
ajiss-357	217	5	on	on	ADP
ajiss-357	217	6	the	the	DET
ajiss-357	217	7	condition	condition	NOUN
ajiss-357	217	8	of	of	ADP
ajiss-357	217	9	the	the	DET
ajiss-357	217	10	economy	economy	NOUN
ajiss-357	217	11	and	and	CCONJ
ajiss-357	217	12	the	the	DET
ajiss-357	217	13	financial	financial	ADJ
ajiss-357	217	14	system	system	NOUN
ajiss-357	217	15	so	so	SCONJ
ajiss-357	217	16	they	they	PRON
ajiss-357	217	17	can	can	AUX
ajiss-357	217	18	react	react	VERB
ajiss-357	217	19	appropriately	appropriately	ADV
ajiss-357	217	20	and	and	CCONJ
ajiss-357	217	21	promptly	promptly	ADV
ajiss-357	217	22	to	to	ADP
ajiss-357	217	23	unforeseen	unforeseen	ADJ
ajiss-357	217	24	events	event	NOUN
ajiss-357	217	25	and	and	CCONJ
ajiss-357	217	26	eliminate	eliminate	VERB
ajiss-357	217	27	any	any	DET
ajiss-357	217	28	uncertainty	uncertainty	NOUN
ajiss-357	217	29	regarding	regard	VERB
ajiss-357	217	30	the	the	DET
ajiss-357	217	31	financial	financial	ADJ
ajiss-357	217	32	market	market	NOUN
ajiss-357	217	33	’s	’s	PART
ajiss-357	217	34	stability	stability	NOUN
ajiss-357	217	35	.	.	PUNCT
ajiss-357	218	1	greater	great	ADJ
ajiss-357	218	2	transparency	transparency	NOUN
ajiss-357	218	3	and	and	CCONJ
ajiss-357	218	4	better	well	ADJ
ajiss-357	218	5	accountability	accountability	NOUN
ajiss-357	218	6	can	can	AUX
ajiss-357	218	7	help	help	VERB
ajiss-357	218	8	reduce	reduce	VERB
ajiss-357	218	9	the	the	DET
ajiss-357	218	10	frequency	frequency	NOUN
ajiss-357	218	11	and	and	CCONJ
ajiss-357	218	12	severity	severity	NOUN
ajiss-357	218	13	of	of	ADP
ajiss-357	218	14	financial	financial	ADJ
ajiss-357	218	15	crises	crisis	NOUN
ajiss-357	218	16	by	by	ADP
ajiss-357	218	17	encouraging	encourage	VERB
ajiss-357	218	18	macroeconomic	macroeconomic	ADJ
ajiss-357	218	19	policy	policy	NOUN
ajiss-357	218	20	adjustments	adjustment	NOUN
ajiss-357	218	21	to	to	PART
ajiss-357	218	22	begin	begin	VERB
ajiss-357	218	23	earlier	early	ADV
ajiss-357	218	24	,	,	PUNCT
ajiss-357	218	25	occur	occur	VERB
ajiss-357	218	26	more	more	ADV
ajiss-357	218	27	smoothly	smoothly	ADV
ajiss-357	218	28	,	,	PUNCT
ajiss-357	218	29	and	and	CCONJ
ajiss-357	218	30	resolve	resolve	VERB
ajiss-357	218	31	crises	crisis	NOUN
ajiss-357	218	32	by	by	ADP
ajiss-357	218	33	reducing	reduce	VERB
ajiss-357	218	34	uncertainty	uncertainty	NOUN
ajiss-357	218	35	.	.	PUNCT
ajiss-357	219	1	transparency	transparency	NOUN
ajiss-357	219	2	disclosure	disclosure	NOUN
ajiss-357	219	3	of	of	ADP
ajiss-357	219	4	accurate	accurate	ADJ
ajiss-357	219	5	financial	financial	ADJ
ajiss-357	219	6	results	result	NOUN
ajiss-357	219	7	by	by	ADP
ajiss-357	219	8	ifis	ifis	PROPN
ajiss-357	219	9	is	be	AUX
ajiss-357	219	10	even	even	ADV
ajiss-357	219	11	more	more	ADV
ajiss-357	219	12	relevant	relevant	ADJ
ajiss-357	219	13	,	,	PUNCT
ajiss-357	219	14	since	since	SCONJ
ajiss-357	219	15	islamic	islamic	ADJ
ajiss-357	219	16	banking	banking	NOUN
ajiss-357	219	17	is	be	AUX
ajiss-357	219	18	based	base	VERB
ajiss-357	219	19	on	on	ADP
ajiss-357	219	20	the	the	DET
ajiss-357	219	21	profit	profit	NOUN
ajiss-357	219	22	-	-	PUNCT
ajiss-357	219	23	and	and	CCONJ
ajiss-357	219	24	-	-	PUNCT
ajiss-357	219	25	loss	loss	NOUN
ajiss-357	219	26	system	system	NOUN
ajiss-357	219	27	.	.	PUNCT
ajiss-357	220	1	thus	thus	ADV
ajiss-357	220	2	,	,	PUNCT
ajiss-357	220	3	financial	financial	ADJ
ajiss-357	220	4	results	result	NOUN
ajiss-357	220	5	are	be	AUX
ajiss-357	220	6	essential.46	essential.46	ADJ
ajiss-357	220	7	investors	investor	NOUN
ajiss-357	220	8	and	and	CCONJ
ajiss-357	220	9	shareholders	shareholder	NOUN
ajiss-357	220	10	should	should	AUX
ajiss-357	220	11	have	have	VERB
ajiss-357	220	12	access	access	NOUN
ajiss-357	220	13	to	to	ADP
ajiss-357	220	14	all	all	DET
ajiss-357	220	15	financial	financial	ADJ
ajiss-357	220	16	results	result	NOUN
ajiss-357	220	17	that	that	PRON
ajiss-357	220	18	will	will	AUX
ajiss-357	220	19	promote	promote	VERB
ajiss-357	220	20	openness	openness	NOUN
ajiss-357	220	21	and	and	CCONJ
ajiss-357	220	22	distribution	distribution	NOUN
ajiss-357	220	23	of	of	ADP
ajiss-357	220	24	profits	profit	NOUN
ajiss-357	220	25	because	because	SCONJ
ajiss-357	220	26	,	,	PUNCT
ajiss-357	220	27	as	as	SCONJ
ajiss-357	220	28	we	we	PRON
ajiss-357	220	29	read	read	VERB
ajiss-357	220	30	in	in	ADP
ajiss-357	220	31	the	the	DET
ajiss-357	220	32	qur’an	qur’an	NOUN
ajiss-357	220	33	,	,	PUNCT
ajiss-357	220	34	“	"	PUNCT
ajiss-357	220	35	…	…	PUNCT
ajiss-357	220	36	and	and	CCONJ
ajiss-357	220	37	do	do	AUX
ajiss-357	220	38	not	not	PART
ajiss-357	220	39	conceal	conceal	VERB
ajiss-357	220	40	testimony	testimony	NOUN
ajiss-357	220	41	,	,	PUNCT
ajiss-357	220	42	and	and	CCONJ
ajiss-357	220	43	whoever	whoever	PRON
ajiss-357	220	44	conceals	conceal	VERB
ajiss-357	220	45	it	it	PRON
ajiss-357	220	46	,	,	PUNCT
ajiss-357	220	47	his	his	PRON
ajiss-357	220	48	heart	heart	NOUN
ajiss-357	220	49	is	be	AUX
ajiss-357	220	50	surely	surely	ADV
ajiss-357	220	51	sinful	sinful	ADJ
ajiss-357	220	52	”	"	PUNCT
ajiss-357	220	53	(	(	PUNCT
ajiss-357	220	54	2:283	2:283	NUM
ajiss-357	220	55	)	)	PUNCT
ajiss-357	220	56	the	the	DET
ajiss-357	220	57	novelty	novelty	NOUN
ajiss-357	220	58	of	of	ADP
ajiss-357	220	59	islamic	islamic	ADJ
ajiss-357	220	60	banking	banking	NOUN
ajiss-357	220	61	requires	require	VERB
ajiss-357	220	62	the	the	DET
ajiss-357	220	63	development	development	NOUN
ajiss-357	220	64	of	of	ADP
ajiss-357	220	65	an	an	DET
ajiss-357	220	66	appropriate	appropriate	ADJ
ajiss-357	220	67	and	and	CCONJ
ajiss-357	220	68	relevant	relevant	ADJ
ajiss-357	220	69	accounting	accounting	NOUN
ajiss-357	220	70	system	system	NOUN
ajiss-357	220	71	as	as	ADV
ajiss-357	220	72	well	well	ADV
ajiss-357	220	73	as	as	ADP
ajiss-357	220	74	disclosure	disclosure	NOUN
ajiss-357	220	75	and	and	CCONJ
ajiss-357	220	76	regulatory	regulatory	ADJ
ajiss-357	220	77	standards	standard	NOUN
ajiss-357	220	78	,	,	PUNCT
ajiss-357	220	79	all	all	PRON
ajiss-357	220	80	of	of	ADP
ajiss-357	220	81	which	which	PRON
ajiss-357	220	82	are	be	AUX
ajiss-357	220	83	prerequisites	prerequisite	NOUN
ajiss-357	220	84	for	for	ADP
ajiss-357	220	85	effective	effective	ADJ
ajiss-357	220	86	transparency	transparency	NOUN
ajiss-357	220	87	.	.	PUNCT
ajiss-357	221	1	hassan	hassan	PROPN
ajiss-357	221	2	and	and	CCONJ
ajiss-357	221	3	chowdhury	chowdhury	PROPN
ajiss-357	221	4	:	:	PUNCT
ajiss-357	221	5	islamic	islamic	ADJ
ajiss-357	221	6	banking	banking	NOUN
ajiss-357	221	7	regulations	regulation	NOUN
ajiss-357	221	8	91	91	NUM
ajiss-357	221	9	ajiss-27-1-final-obay.qxp	ajiss-27-1-final-obay.qxp	PROPN
ajiss-357	221	10	6/9/2010	6/9/2010	NOUN
ajiss-357	221	11	4:06	4:06	NUM
ajiss-357	221	12	pm	pm	NOUN
ajiss-357	221	13	page	page	NOUN
ajiss-357	221	14	91	91	NUM
ajiss-357	221	15	pdf	pdf	NOUN
ajiss-357	221	16	created	create	VERB
ajiss-357	221	17	with	with	ADP
ajiss-357	221	18	pdffactory	pdffactory	ADJ
ajiss-357	221	19	pro	pro	ADJ
ajiss-357	221	20	trial	trial	NOUN
ajiss-357	221	21	version	version	NOUN
ajiss-357	221	22	www.pdffactory.com	www.pdffactory.com	X
ajiss-357	221	23	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	221	24	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	222	1	basel	basel	PROPN
ajiss-357	222	2	ii	ii	PROPN
ajiss-357	222	3	identifies	identify	VERB
ajiss-357	222	4	six	six	NUM
ajiss-357	222	5	broad	broad	ADJ
ajiss-357	222	6	categories	category	NOUN
ajiss-357	222	7	of	of	ADP
ajiss-357	222	8	detailed	detailed	ADJ
ajiss-357	222	9	,	,	PUNCT
ajiss-357	222	10	timely	timely	ADJ
ajiss-357	222	11	,	,	PUNCT
ajiss-357	222	12	and	and	CCONJ
ajiss-357	222	13	regular	regular	ADJ
ajiss-357	222	14	information	information	NOUN
ajiss-357	222	15	through	through	ADP
ajiss-357	222	16	which	which	PRON
ajiss-357	222	17	banks	bank	NOUN
ajiss-357	222	18	enhance	enhance	VERB
ajiss-357	222	19	the	the	DET
ajiss-357	222	20	transparency	transparency	NOUN
ajiss-357	222	21	of	of	ADP
ajiss-357	222	22	their	their	PRON
ajiss-357	222	23	operations	operation	NOUN
ajiss-357	222	24	:	:	PUNCT
ajiss-357	222	25	financial	financial	ADJ
ajiss-357	222	26	performance	performance	NOUN
ajiss-357	222	27	;	;	PUNCT
ajiss-357	222	28	financial	financial	ADJ
ajiss-357	222	29	position	position	NOUN
ajiss-357	222	30	(	(	PUNCT
ajiss-357	222	31	including	include	VERB
ajiss-357	222	32	capital	capital	NOUN
ajiss-357	222	33	,	,	PUNCT
ajiss-357	222	34	solvency	solvency	NOUN
ajiss-357	222	35	,	,	PUNCT
ajiss-357	222	36	and	and	CCONJ
ajiss-357	222	37	liquidity	liquidity	NOUN
ajiss-357	222	38	)	)	PUNCT
ajiss-357	222	39	;	;	PUNCT
ajiss-357	222	40	risk	risk	NOUN
ajiss-357	222	41	management	management	NOUN
ajiss-357	222	42	strategies	strategy	NOUN
ajiss-357	222	43	and	and	CCONJ
ajiss-357	222	44	practices	practice	NOUN
ajiss-357	222	45	;	;	PUNCT
ajiss-357	222	46	risk	risk	NOUN
ajiss-357	222	47	exposure	exposure	NOUN
ajiss-357	222	48	(	(	PUNCT
ajiss-357	222	49	including	include	VERB
ajiss-357	222	50	all	all	DET
ajiss-357	222	51	credit	credit	NOUN
ajiss-357	222	52	,	,	PUNCT
ajiss-357	222	53	market	market	NOUN
ajiss-357	222	54	,	,	PUNCT
ajiss-357	222	55	liquidity	liquidity	NOUN
ajiss-357	222	56	,	,	PUNCT
ajiss-357	222	57	operational	operational	ADJ
ajiss-357	222	58	,	,	PUNCT
ajiss-357	222	59	legal	legal	ADJ
ajiss-357	222	60	,	,	PUNCT
ajiss-357	222	61	and	and	CCONJ
ajiss-357	222	62	other	other	ADJ
ajiss-357	222	63	risks	risk	NOUN
ajiss-357	222	64	)	)	PUNCT
ajiss-357	222	65	;	;	PUNCT
ajiss-357	222	66	accounting	account	VERB
ajiss-357	222	67	policies	policy	NOUN
ajiss-357	222	68	;	;	PUNCT
ajiss-357	222	69	and	and	CCONJ
ajiss-357	222	70	basic	basic	ADJ
ajiss-357	222	71	business	business	NOUN
ajiss-357	222	72	,	,	PUNCT
ajiss-357	222	73	management	management	NOUN
ajiss-357	222	74	,	,	PUNCT
ajiss-357	222	75	and	and	CCONJ
ajiss-357	222	76	corporate	corporate	ADJ
ajiss-357	222	77	governance	governance	NOUN
ajiss-357	222	78	information	information	NOUN
ajiss-357	222	79	.	.	PUNCT
ajiss-357	223	1	the	the	DET
ajiss-357	223	2	scope	scope	NOUN
ajiss-357	223	3	of	of	ADP
ajiss-357	223	4	information	information	NOUN
ajiss-357	223	5	in	in	ADP
ajiss-357	223	6	these	these	DET
ajiss-357	223	7	categories	category	NOUN
ajiss-357	223	8	,	,	PUNCT
ajiss-357	223	9	however	however	ADV
ajiss-357	223	10	,	,	PUNCT
ajiss-357	223	11	will	will	AUX
ajiss-357	223	12	depend	depend	VERB
ajiss-357	223	13	on	on	ADP
ajiss-357	223	14	the	the	DET
ajiss-357	223	15	nature	nature	NOUN
ajiss-357	223	16	of	of	ADP
ajiss-357	223	17	the	the	DET
ajiss-357	223	18	bank	bank	NOUN
ajiss-357	223	19	’s	’s	PART
ajiss-357	223	20	operation	operation	NOUN
ajiss-357	223	21	and	and	CCONJ
ajiss-357	223	22	accounting	accounting	NOUN
ajiss-357	223	23	standards	standard	NOUN
ajiss-357	223	24	.	.	PUNCT
ajiss-357	224	1	due	due	ADP
ajiss-357	224	2	to	to	ADP
ajiss-357	224	3	the	the	DET
ajiss-357	224	4	pls	pls	PROPN
ajiss-357	224	5	’s	’s	PART
ajiss-357	224	6	inherent	inherent	ADJ
ajiss-357	224	7	riskiness	riskiness	NOUN
ajiss-357	224	8	,	,	PUNCT
ajiss-357	224	9	depositors	depositor	NOUN
ajiss-357	224	10	become	become	VERB
ajiss-357	224	11	direct	direct	ADJ
ajiss-357	224	12	stakeholders	stakeholder	NOUN
ajiss-357	224	13	in	in	ADP
ajiss-357	224	14	the	the	DET
ajiss-357	224	15	islamic	islamic	ADJ
ajiss-357	224	16	banking	banking	NOUN
ajiss-357	224	17	system	system	NOUN
ajiss-357	224	18	,	,	PUNCT
ajiss-357	224	19	while	while	SCONJ
ajiss-357	224	20	regulators	regulator	NOUN
ajiss-357	224	21	strengthen	strengthen	VERB
ajiss-357	224	22	the	the	DET
ajiss-357	224	23	relationship	relationship	NOUN
ajiss-357	224	24	between	between	ADP
ajiss-357	224	25	the	the	DET
ajiss-357	224	26	banks	bank	NOUN
ajiss-357	224	27	and	and	CCONJ
ajiss-357	224	28	their	their	PRON
ajiss-357	224	29	depositors	depositor	NOUN
ajiss-357	224	30	and	and	CCONJ
ajiss-357	224	31	those	those	DET
ajiss-357	224	32	banks	bank	NOUN
ajiss-357	224	33	that	that	PRON
ajiss-357	224	34	want	want	VERB
ajiss-357	224	35	to	to	PART
ajiss-357	224	36	maximize	maximize	VERB
ajiss-357	224	37	the	the	DET
ajiss-357	224	38	benefit	benefit	NOUN
ajiss-357	224	39	to	to	ADP
ajiss-357	224	40	the	the	DET
ajiss-357	224	41	society	society	NOUN
ajiss-357	224	42	in	in	ADP
ajiss-357	224	43	which	which	PRON
ajiss-357	224	44	they	they	PRON
ajiss-357	224	45	operate	operate	VERB
ajiss-357	224	46	.	.	PUNCT
ajiss-357	225	1	this	this	DET
ajiss-357	225	2	triangular	triangular	NOUN
ajiss-357	225	3	relationship	relationship	NOUN
ajiss-357	225	4	serves	serve	VERB
ajiss-357	225	5	as	as	ADP
ajiss-357	225	6	a	a	DET
ajiss-357	225	7	better	well	ADJ
ajiss-357	225	8	social	social	ADJ
ajiss-357	225	9	development	development	NOUN
ajiss-357	225	10	tool	tool	NOUN
ajiss-357	225	11	that	that	PRON
ajiss-357	225	12	has	have	AUX
ajiss-357	225	13	been	be	AUX
ajiss-357	225	14	established	establish	VERB
ajiss-357	225	15	through	through	ADP
ajiss-357	225	16	transparency	transparency	NOUN
ajiss-357	225	17	rules	rule	NOUN
ajiss-357	225	18	.	.	PUNCT
ajiss-357	226	1	improved	improved	ADJ
ajiss-357	226	2	transparency	transparency	NOUN
ajiss-357	226	3	is	be	AUX
ajiss-357	226	4	still	still	ADV
ajiss-357	226	5	pivotal	pivotal	ADJ
ajiss-357	226	6	,	,	PUNCT
ajiss-357	226	7	although	although	SCONJ
ajiss-357	226	8	islamic	islamic	ADJ
ajiss-357	226	9	banks	bank	NOUN
ajiss-357	226	10	have	have	AUX
ajiss-357	226	11	developed	develop	VERB
ajiss-357	226	12	various	various	ADJ
ajiss-357	226	13	mechanisms	mechanism	NOUN
ajiss-357	226	14	(	(	PUNCT
ajiss-357	226	15	e.g.	e.g.	ADV
ajiss-357	226	16	,	,	PUNCT
ajiss-357	226	17	an	an	DET
ajiss-357	226	18	income	income	NOUN
ajiss-357	226	19	smoothing	smooth	VERB
ajiss-357	226	20	fund	fund	NOUN
ajiss-357	226	21	)	)	PUNCT
ajiss-357	226	22	to	to	PART
ajiss-357	226	23	stabilize	stabilize	VERB
ajiss-357	226	24	the	the	DET
ajiss-357	226	25	return	return	NOUN
ajiss-357	226	26	on	on	ADP
ajiss-357	226	27	individual	individual	ADJ
ajiss-357	226	28	deposits	deposit	NOUN
ajiss-357	226	29	and	and	CCONJ
ajiss-357	226	30	stem	stem	VERB
ajiss-357	226	31	the	the	DET
ajiss-357	226	32	depositor	depositor	NOUN
ajiss-357	226	33	’s	’s	PART
ajiss-357	226	34	perception	perception	NOUN
ajiss-357	226	35	of	of	ADP
ajiss-357	226	36	the	the	DET
ajiss-357	226	37	bank	bank	NOUN
ajiss-357	226	38	’s	’s	PART
ajiss-357	226	39	performance.47	performance.47	NOUN
ajiss-357	226	40	due	due	ADP
ajiss-357	226	41	to	to	ADP
ajiss-357	226	42	structural	structural	ADJ
ajiss-357	226	43	differences	difference	NOUN
ajiss-357	226	44	in	in	ADP
ajiss-357	226	45	the	the	DET
ajiss-357	226	46	islamic	islamic	ADJ
ajiss-357	226	47	banks	bank	NOUN
ajiss-357	226	48	’	’	PART
ajiss-357	226	49	debt	debt	NOUN
ajiss-357	226	50	and	and	CCONJ
ajiss-357	226	51	equity	equity	NOUN
ajiss-357	226	52	structures	structure	NOUN
ajiss-357	226	53	,	,	PUNCT
ajiss-357	226	54	the	the	DET
ajiss-357	226	55	risk	risk	NOUN
ajiss-357	226	56	weights	weight	NOUN
ajiss-357	226	57	given	give	VERB
ajiss-357	226	58	by	by	ADP
ajiss-357	226	59	basel	basel	PROPN
ajiss-357	226	60	ii	ii	PROPN
ajiss-357	226	61	are	be	AUX
ajiss-357	226	62	inappropriate	inappropriate	ADJ
ajiss-357	226	63	.	.	PUNCT
ajiss-357	227	1	the	the	DET
ajiss-357	227	2	aaoifi	aaoifi	NOUN
ajiss-357	227	3	’s	’s	PART
ajiss-357	227	4	recommendations	recommendation	NOUN
ajiss-357	227	5	,	,	PUNCT
ajiss-357	227	6	although	although	SCONJ
ajiss-357	227	7	good	good	ADJ
ajiss-357	227	8	,	,	PUNCT
ajiss-357	227	9	are	be	AUX
ajiss-357	227	10	only	only	ADV
ajiss-357	227	11	related	relate	VERB
ajiss-357	227	12	to	to	ADP
ajiss-357	227	13	the	the	DET
ajiss-357	227	14	liabilities	liability	NOUN
ajiss-357	227	15	side	side	NOUN
ajiss-357	227	16	of	of	ADP
ajiss-357	227	17	the	the	DET
ajiss-357	227	18	balance	balance	NOUN
ajiss-357	227	19	sheet	sheet	NOUN
ajiss-357	227	20	.	.	PUNCT
ajiss-357	228	1	therefore	therefore	ADV
ajiss-357	228	2	,	,	PUNCT
ajiss-357	228	3	a	a	DET
ajiss-357	228	4	comprehensive	comprehensive	ADJ
ajiss-357	228	5	assessment	assessment	NOUN
ajiss-357	228	6	of	of	ADP
ajiss-357	228	7	the	the	DET
ajiss-357	228	8	risk	risk	NOUN
ajiss-357	228	9	adjusted	adjust	VERB
ajiss-357	228	10	assets	asset	NOUN
ajiss-357	228	11	and	and	CCONJ
ajiss-357	228	12	related	relate	VERB
ajiss-357	228	13	best	good	ADJ
ajiss-357	228	14	risk	risk	NOUN
ajiss-357	228	15	management	management	NOUN
ajiss-357	228	16	practice	practice	NOUN
ajiss-357	228	17	of	of	ADP
ajiss-357	228	18	islamic	islamic	ADJ
ajiss-357	228	19	banks	bank	NOUN
ajiss-357	228	20	are	be	AUX
ajiss-357	228	21	urgently	urgently	ADV
ajiss-357	228	22	required	require	VERB
ajiss-357	228	23	to	to	PART
ajiss-357	228	24	ensure	ensure	VERB
ajiss-357	228	25	more	more	ADJ
ajiss-357	228	26	transparency	transparency	NOUN
ajiss-357	228	27	.	.	PUNCT
ajiss-357	229	1	governance	governance	NOUN
ajiss-357	229	2	and	and	CCONJ
ajiss-357	229	3	disclosure	disclosure	NOUN
ajiss-357	229	4	of	of	ADP
ajiss-357	229	5	islamic	islamic	ADJ
ajiss-357	229	6	banks	bank	NOUN
ajiss-357	229	7	and	and	CCONJ
ajiss-357	229	8	transparency	transparency	VERB
ajiss-357	229	9	the	the	DET
ajiss-357	229	10	transparency	transparency	NOUN
ajiss-357	229	11	of	of	ADP
ajiss-357	229	12	a	a	DET
ajiss-357	229	13	bank	bank	NOUN
ajiss-357	229	14	’s	’s	PART
ajiss-357	229	15	governance	governance	NOUN
ajiss-357	229	16	and	and	CCONJ
ajiss-357	229	17	management	management	NOUN
ajiss-357	229	18	practices	practice	NOUN
ajiss-357	229	19	will	will	AUX
ajiss-357	229	20	help	help	VERB
ajiss-357	229	21	market	market	NOUN
ajiss-357	229	22	participants	participant	NOUN
ajiss-357	229	23	and	and	CCONJ
ajiss-357	229	24	regulators	regulator	NOUN
ajiss-357	229	25	understand	understand	VERB
ajiss-357	229	26	its	its	PRON
ajiss-357	229	27	activities	activity	NOUN
ajiss-357	229	28	,	,	PUNCT
ajiss-357	229	29	assess	assess	VERB
ajiss-357	229	30	its	its	PRON
ajiss-357	229	31	efficiency	efficiency	NOUN
ajiss-357	229	32	and	and	CCONJ
ajiss-357	229	33	strength	strength	NOUN
ajiss-357	229	34	,	,	PUNCT
ajiss-357	229	35	evaluate	evaluate	VERB
ajiss-357	229	36	the	the	DET
ajiss-357	229	37	appropriateness	appropriateness	NOUN
ajiss-357	229	38	of	of	ADP
ajiss-357	229	39	its	its	PRON
ajiss-357	229	40	incentive	incentive	NOUN
ajiss-357	229	41	structure	structure	NOUN
ajiss-357	229	42	,	,	PUNCT
ajiss-357	229	43	erect	erect	ADJ
ajiss-357	229	44	barriers	barrier	NOUN
ajiss-357	229	45	to	to	ADP
ajiss-357	229	46	conflict	conflict	NOUN
ajiss-357	229	47	-	-	PUNCT
ajiss-357	229	48	of	of	ADP
ajiss-357	229	49	-	-	PUNCT
ajiss-357	229	50	interest	interest	NOUN
ajiss-357	229	51	situations	situation	NOUN
ajiss-357	229	52	,	,	PUNCT
ajiss-357	229	53	and	and	CCONJ
ajiss-357	229	54	ensure	ensure	VERB
ajiss-357	229	55	the	the	DET
ajiss-357	229	56	materialization	materialization	NOUN
ajiss-357	229	57	of	of	ADP
ajiss-357	229	58	proper	proper	ADJ
ajiss-357	229	59	internal	internal	ADJ
ajiss-357	229	60	controls	control	NOUN
ajiss-357	229	61	.	.	PUNCT
ajiss-357	230	1	the	the	DET
ajiss-357	230	2	governance	governance	NOUN
ajiss-357	230	3	structure	structure	NOUN
ajiss-357	230	4	of	of	ADP
ajiss-357	230	5	islamic	islamic	ADJ
ajiss-357	230	6	banks	bank	NOUN
ajiss-357	230	7	is	be	AUX
ajiss-357	230	8	more	more	ADV
ajiss-357	230	9	complex	complex	ADJ
ajiss-357	230	10	than	than	ADP
ajiss-357	230	11	that	that	PRON
ajiss-357	230	12	of	of	ADP
ajiss-357	230	13	conventional	conventional	ADJ
ajiss-357	230	14	banks	bank	NOUN
ajiss-357	230	15	,	,	PUNCT
ajiss-357	230	16	since	since	SCONJ
ajiss-357	230	17	it	it	PRON
ajiss-357	230	18	involves	involve	VERB
ajiss-357	230	19	depositors	depositor	NOUN
ajiss-357	230	20	who	who	PRON
ajiss-357	230	21	have	have	VERB
ajiss-357	230	22	a	a	DET
ajiss-357	230	23	direct	direct	ADJ
ajiss-357	230	24	financial	financial	ADJ
ajiss-357	230	25	stake	stake	NOUN
ajiss-357	230	26	in	in	ADP
ajiss-357	230	27	the	the	DET
ajiss-357	230	28	bank	bank	NOUN
ajiss-357	230	29	and	and	CCONJ
ajiss-357	230	30	have	have	VERB
ajiss-357	230	31	shari`ah	shari`ah	NOUN
ajiss-357	230	32	boards	board	NOUN
ajiss-357	230	33	(	(	PUNCT
ajiss-357	230	34	sbs	sbs	NOUN
ajiss-357	230	35	)	)	PUNCT
ajiss-357	230	36	as	as	ADP
ajiss-357	230	37	ensuring	ensure	VERB
ajiss-357	230	38	an	an	DET
ajiss-357	230	39	additional	additional	ADJ
ajiss-357	230	40	regulatory	regulatory	ADJ
ajiss-357	230	41	layer	layer	NOUN
ajiss-357	230	42	.	.	PUNCT
ajiss-357	231	1	gaps	gap	NOUN
ajiss-357	231	2	exist	exist	VERB
ajiss-357	231	3	in	in	ADP
ajiss-357	231	4	this	this	DET
ajiss-357	231	5	structure	structure	NOUN
ajiss-357	231	6	with	with	ADP
ajiss-357	231	7	regard	regard	NOUN
ajiss-357	231	8	to	to	ADP
ajiss-357	231	9	the	the	DET
ajiss-357	231	10	sbs	sbs	NOUN
ajiss-357	231	11	’	'	PUNCT
ajiss-357	231	12	role	role	NOUN
ajiss-357	231	13	and	and	CCONJ
ajiss-357	231	14	that	that	PRON
ajiss-357	231	15	of	of	ADP
ajiss-357	231	16	depositors	depositor	NOUN
ajiss-357	231	17	in	in	ADP
ajiss-357	231	18	assuring	assure	VERB
ajiss-357	231	19	performance	performance	NOUN
ajiss-357	231	20	,	,	PUNCT
ajiss-357	231	21	given	give	VERB
ajiss-357	231	22	their	their	PRON
ajiss-357	231	23	direct	direct	ADJ
ajiss-357	231	24	financial	financial	ADJ
ajiss-357	231	25	stake	stake	NOUN
ajiss-357	231	26	in	in	ADP
ajiss-357	231	27	the	the	DET
ajiss-357	231	28	bank	bank	NOUN
ajiss-357	231	29	.	.	PUNCT
ajiss-357	232	1	therefore	therefore	ADV
ajiss-357	232	2	,	,	PUNCT
ajiss-357	232	3	special	special	ADJ
ajiss-357	232	4	attention	attention	NOUN
ajiss-357	232	5	should	should	AUX
ajiss-357	232	6	be	be	AUX
ajiss-357	232	7	given	give	VERB
ajiss-357	232	8	to	to	ADP
ajiss-357	232	9	the	the	DET
ajiss-357	232	10	role	role	NOUN
ajiss-357	232	11	of	of	ADP
ajiss-357	232	12	both	both	PRON
ajiss-357	232	13	from	from	ADP
ajiss-357	232	14	the	the	DET
ajiss-357	232	15	transparency	transparency	NOUN
ajiss-357	232	16	point	point	NOUN
ajiss-357	232	17	of	of	ADP
ajiss-357	232	18	view	view	NOUN
ajiss-357	232	19	,	,	PUNCT
ajiss-357	232	20	as	as	SCONJ
ajiss-357	232	21	envisaged	envisage	VERB
ajiss-357	232	22	in	in	ADP
ajiss-357	232	23	basel	basel	PROPN
ajiss-357	232	24	ii	ii	PROPN
ajiss-357	232	25	.	.	PROPN
ajiss-357	233	1	92	92	NUM
ajiss-357	234	1	the	the	DET
ajiss-357	234	2	american	american	ADJ
ajiss-357	234	3	journal	journal	PROPN
ajiss-357	234	4	of	of	ADP
ajiss-357	234	5	islamic	islamic	ADJ
ajiss-357	234	6	social	social	PROPN
ajiss-357	234	7	sciences	sciences	PROPN
ajiss-357	234	8	27:1	27:1	NUM
ajiss-357	234	9	ajiss-27-1-final-obay.qxp	ajiss-27-1-final-obay.qxp	PROPN
ajiss-357	234	10	6/9/2010	6/9/2010	NUM
ajiss-357	234	11	4:06	4:06	NUM
ajiss-357	234	12	pm	pm	NOUN
ajiss-357	234	13	page	page	NOUN
ajiss-357	234	14	92	92	NUM
ajiss-357	234	15	pdf	pdf	NOUN
ajiss-357	234	16	created	create	VERB
ajiss-357	234	17	with	with	ADP
ajiss-357	234	18	pdffactory	pdffactory	ADJ
ajiss-357	234	19	pro	pro	ADJ
ajiss-357	234	20	trial	trial	NOUN
ajiss-357	234	21	version	version	NOUN
ajiss-357	234	22	www.pdffactory.com	www.pdffactory.com	X
ajiss-357	234	23	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	234	24	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	235	1	rating	rating	NOUN
ajiss-357	235	2	credit	credit	NOUN
ajiss-357	235	3	risk	risk	NOUN
ajiss-357	235	4	through	through	ADP
ajiss-357	235	5	an	an	DET
ajiss-357	235	6	external	external	ADJ
ajiss-357	235	7	credit	credit	NOUN
ajiss-357	235	8	assessment	assessment	NOUN
ajiss-357	235	9	,	,	PUNCT
ajiss-357	235	10	as	as	SCONJ
ajiss-357	235	11	provided	provide	VERB
ajiss-357	235	12	for	for	ADP
ajiss-357	235	13	in	in	ADP
ajiss-357	235	14	basel	basel	PROPN
ajiss-357	235	15	ii	ii	PROPN
ajiss-357	235	16	,	,	PUNCT
ajiss-357	235	17	will	will	AUX
ajiss-357	235	18	increase	increase	VERB
ajiss-357	235	19	transparency	transparency	NOUN
ajiss-357	235	20	by	by	ADP
ajiss-357	235	21	allowing	allow	VERB
ajiss-357	235	22	for	for	ADP
ajiss-357	235	23	efficient	efficient	ADJ
ajiss-357	235	24	operation	operation	NOUN
ajiss-357	235	25	and	and	CCONJ
ajiss-357	235	26	providing	provide	VERB
ajiss-357	235	27	information	information	NOUN
ajiss-357	235	28	to	to	ADP
ajiss-357	235	29	depositors	depositor	NOUN
ajiss-357	235	30	so	so	SCONJ
ajiss-357	235	31	they	they	PRON
ajiss-357	235	32	can	can	AUX
ajiss-357	235	33	select	select	VERB
ajiss-357	235	34	the	the	DET
ajiss-357	235	35	bank	bank	NOUN
ajiss-357	235	36	of	of	ADP
ajiss-357	235	37	their	their	PRON
ajiss-357	235	38	choice	choice	NOUN
ajiss-357	235	39	.	.	PUNCT
ajiss-357	236	1	as	as	SCONJ
ajiss-357	236	2	the	the	DET
ajiss-357	236	3	transparent	transparent	ADJ
ajiss-357	236	4	presentation	presentation	NOUN
ajiss-357	236	5	of	of	ADP
ajiss-357	236	6	income	income	NOUN
ajiss-357	236	7	is	be	AUX
ajiss-357	236	8	essential	essential	ADJ
ajiss-357	236	9	to	to	ADP
ajiss-357	236	10	making	make	VERB
ajiss-357	236	11	rational	rational	ADJ
ajiss-357	236	12	investment	investment	NOUN
ajiss-357	236	13	decisions	decision	NOUN
ajiss-357	236	14	,	,	PUNCT
ajiss-357	236	15	the	the	DET
ajiss-357	236	16	disclosure	disclosure	NOUN
ajiss-357	236	17	of	of	ADP
ajiss-357	236	18	accounting	accounting	NOUN
ajiss-357	236	19	practices	practice	NOUN
ajiss-357	236	20	and	and	CCONJ
ajiss-357	236	21	policies	policy	NOUN
ajiss-357	236	22	will	will	AUX
ajiss-357	236	23	enable	enable	VERB
ajiss-357	236	24	market	market	NOUN
ajiss-357	236	25	participants	participant	NOUN
ajiss-357	236	26	and	and	CCONJ
ajiss-357	236	27	regulators	regulator	NOUN
ajiss-357	236	28	to	to	PART
ajiss-357	236	29	make	make	VERB
ajiss-357	236	30	a	a	DET
ajiss-357	236	31	reliable	reliable	ADJ
ajiss-357	236	32	assessment	assessment	NOUN
ajiss-357	236	33	of	of	ADP
ajiss-357	236	34	the	the	DET
ajiss-357	236	35	bank	bank	NOUN
ajiss-357	236	36	’s	’s	PART
ajiss-357	236	37	performance	performance	NOUN
ajiss-357	236	38	.	.	PUNCT
ajiss-357	237	1	before	before	SCONJ
ajiss-357	237	2	the	the	DET
ajiss-357	237	3	aaoifi	aaoifi	NOUN
ajiss-357	237	4	’s	’s	PART
ajiss-357	237	5	financial	financial	ADJ
ajiss-357	237	6	accounting	accounting	NOUN
ajiss-357	237	7	standards	standard	NOUN
ajiss-357	237	8	(	(	PUNCT
ajiss-357	237	9	fas	fas	NOUN
ajiss-357	237	10	)	)	PUNCT
ajiss-357	237	11	were	be	AUX
ajiss-357	237	12	developed	develop	VERB
ajiss-357	237	13	,	,	PUNCT
ajiss-357	237	14	the	the	DET
ajiss-357	237	15	financial	financial	ADJ
ajiss-357	237	16	standards	standard	NOUN
ajiss-357	237	17	produced	produce	VERB
ajiss-357	237	18	by	by	ADP
ajiss-357	237	19	islamic	islamic	ADJ
ajiss-357	237	20	banks	bank	NOUN
ajiss-357	237	21	were	be	AUX
ajiss-357	237	22	rendered	render	VERB
ajiss-357	237	23	non	non	ADJ
ajiss-357	237	24	-	-	ADJ
ajiss-357	237	25	comparable	comparable	ADJ
ajiss-357	237	26	,	,	PUNCT
ajiss-357	237	27	due	due	ADP
ajiss-357	237	28	to	to	ADP
ajiss-357	237	29	differences	difference	NOUN
ajiss-357	237	30	in	in	ADP
ajiss-357	237	31	their	their	PRON
ajiss-357	237	32	accounting	accounting	NOUN
ajiss-357	237	33	policies	policy	NOUN
ajiss-357	237	34	,	,	PUNCT
ajiss-357	237	35	differences	difference	NOUN
ajiss-357	237	36	in	in	ADP
ajiss-357	237	37	interpreting	interpret	VERB
ajiss-357	237	38	the	the	DET
ajiss-357	237	39	relevant	relevant	ADJ
ajiss-357	237	40	shari`ah	shari`ah	PROPN
ajiss-357	237	41	guidelines	guideline	NOUN
ajiss-357	237	42	by	by	ADP
ajiss-357	237	43	individual	individual	ADJ
ajiss-357	237	44	banks	bank	NOUN
ajiss-357	237	45	,	,	PUNCT
ajiss-357	237	46	and	and	CCONJ
ajiss-357	237	47	the	the	DET
ajiss-357	237	48	inability	inability	NOUN
ajiss-357	237	49	of	of	ADP
ajiss-357	237	50	the	the	DET
ajiss-357	237	51	international	international	ADJ
ajiss-357	237	52	accounting	accounting	NOUN
ajiss-357	237	53	standard	standard	PROPN
ajiss-357	237	54	(	(	PUNCT
ajiss-357	237	55	ias	ias	PROPN
ajiss-357	237	56	)	)	PUNCT
ajiss-357	237	57	to	to	PART
ajiss-357	237	58	capture	capture	VERB
ajiss-357	237	59	the	the	DET
ajiss-357	237	60	true	true	ADJ
ajiss-357	237	61	features	feature	NOUN
ajiss-357	237	62	of	of	ADP
ajiss-357	237	63	some	some	DET
ajiss-357	237	64	islamic	islamic	PROPN
ajiss-357	237	65	bank	bank	PROPN
ajiss-357	237	66	’s	’s	PART
ajiss-357	237	67	contracts	contract	NOUN
ajiss-357	237	68	.	.	PUNCT
ajiss-357	238	1	a	a	DET
ajiss-357	238	2	standardized	standardized	ADJ
ajiss-357	238	3	accounting	accounting	NOUN
ajiss-357	238	4	framework	framework	NOUN
ajiss-357	238	5	in	in	ADP
ajiss-357	238	6	line	line	NOUN
ajiss-357	238	7	with	with	ADP
ajiss-357	238	8	basel	basel	PROPN
ajiss-357	238	9	ii	ii	PROPN
ajiss-357	238	10	is	be	AUX
ajiss-357	238	11	still	still	ADV
ajiss-357	238	12	needed	need	VERB
ajiss-357	238	13	to	to	PART
ajiss-357	238	14	facilitate	facilitate	VERB
ajiss-357	238	15	market	market	NOUN
ajiss-357	238	16	discipline	discipline	NOUN
ajiss-357	238	17	,	,	PUNCT
ajiss-357	238	18	make	make	VERB
ajiss-357	238	19	an	an	DET
ajiss-357	238	20	objective	objective	ADJ
ajiss-357	238	21	comparison	comparison	NOUN
ajiss-357	238	22	of	of	ADP
ajiss-357	238	23	financial	financial	ADJ
ajiss-357	238	24	institutions	institution	NOUN
ajiss-357	238	25	,	,	PUNCT
ajiss-357	238	26	and	and	CCONJ
ajiss-357	238	27	improve	improve	VERB
ajiss-357	238	28	transparency	transparency	NOUN
ajiss-357	238	29	.	.	PUNCT
ajiss-357	239	1	unresolved	unresolved	ADJ
ajiss-357	239	2	legal	legal	ADJ
ajiss-357	239	3	issues	issue	NOUN
ajiss-357	239	4	and	and	CCONJ
ajiss-357	239	5	the	the	DET
ajiss-357	239	6	question	question	NOUN
ajiss-357	239	7	of	of	ADP
ajiss-357	239	8	transparency	transparency	NOUN
ajiss-357	239	9	there	there	PRON
ajiss-357	239	10	are	be	VERB
ajiss-357	239	11	still	still	ADV
ajiss-357	239	12	some	some	DET
ajiss-357	239	13	unresolved	unresolved	ADJ
ajiss-357	239	14	legal	legal	ADJ
ajiss-357	239	15	issues	issue	NOUN
ajiss-357	239	16	related	relate	VERB
ajiss-357	239	17	to	to	ADP
ajiss-357	239	18	the	the	DET
ajiss-357	239	19	late	late	ADJ
ajiss-357	239	20	settlement	settlement	NOUN
ajiss-357	239	21	of	of	ADP
ajiss-357	239	22	financial	financial	ADJ
ajiss-357	239	23	obligations	obligation	NOUN
ajiss-357	239	24	(	(	PUNCT
ajiss-357	239	25	e.g.	e.g.	ADV
ajiss-357	239	26	,	,	PUNCT
ajiss-357	239	27	how	how	SCONJ
ajiss-357	239	28	to	to	PART
ajiss-357	239	29	deal	deal	VERB
ajiss-357	239	30	with	with	ADP
ajiss-357	239	31	the	the	DET
ajiss-357	239	32	failure	failure	NOUN
ajiss-357	239	33	of	of	ADP
ajiss-357	239	34	a	a	DET
ajiss-357	239	35	purchaser	purchaser	NOUN
ajiss-357	239	36	of	of	ADP
ajiss-357	239	37	goods	good	NOUN
ajiss-357	239	38	and	and	CCONJ
ajiss-357	239	39	services	service	NOUN
ajiss-357	239	40	under	under	ADP
ajiss-357	239	41	the	the	DET
ajiss-357	239	42	murabahah	murabahah	NOUN
ajiss-357	239	43	mode	mode	NOUN
ajiss-357	239	44	of	of	ADP
ajiss-357	239	45	financing	financing	NOUN
ajiss-357	239	46	to	to	PART
ajiss-357	239	47	settle	settle	VERB
ajiss-357	239	48	the	the	DET
ajiss-357	239	49	payment	payment	NOUN
ajiss-357	239	50	on	on	ADP
ajiss-357	239	51	time	time	NOUN
ajiss-357	239	52	)	)	PUNCT
ajiss-357	239	53	,	,	PUNCT
ajiss-357	239	54	the	the	DET
ajiss-357	239	55	nature	nature	NOUN
ajiss-357	239	56	of	of	ADP
ajiss-357	239	57	a	a	DET
ajiss-357	239	58	pls	pls	PROPN
ajiss-357	239	59	partner	partner	NOUN
ajiss-357	239	60	’s	’s	PART
ajiss-357	239	61	liability	liability	NOUN
ajiss-357	239	62	(	(	PUNCT
ajiss-357	239	63	limited	limited	ADJ
ajiss-357	239	64	or	or	CCONJ
ajiss-357	239	65	unlimited	unlimited	ADJ
ajiss-357	239	66	)	)	PUNCT
ajiss-357	239	67	with	with	ADP
ajiss-357	239	68	respect	respect	NOUN
ajiss-357	239	69	to	to	ADP
ajiss-357	239	70	third	third	ADJ
ajiss-357	239	71	parties	party	NOUN
ajiss-357	239	72	,	,	PUNCT
ajiss-357	239	73	the	the	DET
ajiss-357	239	74	permissibility	permissibility	NOUN
ajiss-357	239	75	of	of	ADP
ajiss-357	239	76	financial	financial	ADJ
ajiss-357	239	77	leases	lease	NOUN
ajiss-357	239	78	,	,	PUNCT
ajiss-357	239	79	the	the	DET
ajiss-357	239	80	sale	sale	NOUN
ajiss-357	239	81	of	of	ADP
ajiss-357	239	82	debts	debt	NOUN
ajiss-357	239	83	(	(	PUNCT
ajiss-357	239	84	securitization	securitization	NOUN
ajiss-357	239	85	)	)	PUNCT
ajiss-357	239	86	except	except	SCONJ
ajiss-357	239	87	at	at	ADP
ajiss-357	239	88	face	face	NOUN
ajiss-357	239	89	value	value	NOUN
ajiss-357	239	90	,	,	PUNCT
ajiss-357	239	91	and	and	CCONJ
ajiss-357	239	92	the	the	DET
ajiss-357	239	93	permissibility	permissibility	NOUN
ajiss-357	239	94	of	of	ADP
ajiss-357	239	95	hedging	hedging	NOUN
ajiss-357	239	96	.	.	PUNCT
ajiss-357	240	1	such	such	ADJ
ajiss-357	240	2	issues	issue	NOUN
ajiss-357	240	3	have	have	VERB
ajiss-357	240	4	an	an	DET
ajiss-357	240	5	important	important	ADJ
ajiss-357	240	6	bearing	bearing	NOUN
ajiss-357	240	7	on	on	ADP
ajiss-357	240	8	regulating	regulate	VERB
ajiss-357	240	9	and	and	CCONJ
ajiss-357	240	10	supervising	supervise	VERB
ajiss-357	240	11	the	the	DET
ajiss-357	240	12	islamic	islamic	ADJ
ajiss-357	240	13	financial	financial	ADJ
ajiss-357	240	14	system	system	NOUN
ajiss-357	240	15	.	.	PUNCT
ajiss-357	241	1	since	since	SCONJ
ajiss-357	241	2	they	they	PRON
ajiss-357	241	3	must	must	AUX
ajiss-357	241	4	be	be	AUX
ajiss-357	241	5	resolved	resolve	VERB
ajiss-357	241	6	by	by	ADP
ajiss-357	241	7	interpreting	interpret	VERB
ajiss-357	241	8	the	the	DET
ajiss-357	241	9	relevant	relevant	ADJ
ajiss-357	241	10	guidelines	guideline	NOUN
ajiss-357	241	11	mentioned	mention	VERB
ajiss-357	241	12	in	in	ADP
ajiss-357	241	13	the	the	DET
ajiss-357	241	14	qur’an	qur’an	NOUN
ajiss-357	241	15	and	and	CCONJ
ajiss-357	241	16	the	the	DET
ajiss-357	241	17	hadith	hadith	NOUN
ajiss-357	241	18	,	,	PUNCT
ajiss-357	241	19	these	these	DET
ajiss-357	241	20	interpretations	interpretation	NOUN
ajiss-357	241	21	were	be	AUX
ajiss-357	241	22	likely	likely	ADJ
ajiss-357	241	23	to	to	PART
ajiss-357	241	24	be	be	AUX
ajiss-357	241	25	influenced	influence	VERB
ajiss-357	241	26	by	by	ADP
ajiss-357	241	27	the	the	DET
ajiss-357	241	28	rapidly	rapidly	ADV
ajiss-357	241	29	changing	change	VERB
ajiss-357	241	30	socioeconomic	socioeconomic	ADJ
ajiss-357	241	31	and	and	CCONJ
ajiss-357	241	32	political	political	ADJ
ajiss-357	241	33	situations	situation	NOUN
ajiss-357	241	34	prevailing	prevail	VERB
ajiss-357	241	35	at	at	ADP
ajiss-357	241	36	the	the	DET
ajiss-357	241	37	time	time	NOUN
ajiss-357	241	38	the	the	DET
ajiss-357	241	39	jurists	jurist	NOUN
ajiss-357	241	40	were	be	AUX
ajiss-357	241	41	formulating	formulate	VERB
ajiss-357	241	42	their	their	PRON
ajiss-357	241	43	rulings	ruling	NOUN
ajiss-357	241	44	.	.	PUNCT
ajiss-357	242	1	since	since	SCONJ
ajiss-357	242	2	it	it	PRON
ajiss-357	242	3	is	be	AUX
ajiss-357	242	4	not	not	PART
ajiss-357	242	5	possible	possible	ADJ
ajiss-357	242	6	to	to	PART
ajiss-357	242	7	establish	establish	VERB
ajiss-357	242	8	an	an	DET
ajiss-357	242	9	agreed	agree	VERB
ajiss-357	242	10	-	-	PUNCT
ajiss-357	242	11	upon	upon	NOUN
ajiss-357	242	12	legal	legal	ADJ
ajiss-357	242	13	framework	framework	NOUN
ajiss-357	242	14	and	and	CCONJ
ajiss-357	242	15	capital	capital	NOUN
ajiss-357	242	16	adequacy	adequacy	NOUN
ajiss-357	242	17	standards	standard	NOUN
ajiss-357	242	18	for	for	ADP
ajiss-357	242	19	islamic	islamic	ADJ
ajiss-357	242	20	banks	bank	NOUN
ajiss-357	242	21	unless	unless	SCONJ
ajiss-357	242	22	a	a	DET
ajiss-357	242	23	consensus	consensus	NOUN
ajiss-357	242	24	or	or	CCONJ
ajiss-357	242	25	near	near	ADP
ajiss-357	242	26	consensus	consensus	NOUN
ajiss-357	242	27	has	have	AUX
ajiss-357	242	28	been	be	AUX
ajiss-357	242	29	reached	reach	VERB
ajiss-357	242	30	on	on	ADP
ajiss-357	242	31	these	these	DET
ajiss-357	242	32	fundamental	fundamental	ADJ
ajiss-357	242	33	issues	issue	NOUN
ajiss-357	242	34	,	,	PUNCT
ajiss-357	242	35	special	special	ADJ
ajiss-357	242	36	attention	attention	NOUN
ajiss-357	242	37	is	be	AUX
ajiss-357	242	38	required	require	VERB
ajiss-357	242	39	from	from	ADP
ajiss-357	242	40	islamic	islamic	ADJ
ajiss-357	242	41	banks	bank	NOUN
ajiss-357	242	42	,	,	PUNCT
ajiss-357	242	43	the	the	DET
ajiss-357	242	44	regulators	regulator	NOUN
ajiss-357	242	45	,	,	PUNCT
ajiss-357	242	46	and	and	CCONJ
ajiss-357	242	47	the	the	DET
ajiss-357	242	48	jurists.48	jurists.48	PROPN
ajiss-357	242	49	the	the	DET
ajiss-357	242	50	current	current	ADJ
ajiss-357	242	51	financial	financial	ADJ
ajiss-357	242	52	crisis	crisis	NOUN
ajiss-357	242	53	and	and	CCONJ
ajiss-357	242	54	the	the	DET
ajiss-357	242	55	islamic	islamic	ADJ
ajiss-357	242	56	financial	financial	ADJ
ajiss-357	242	57	system	system	NOUN
ajiss-357	242	58	it	it	PRON
ajiss-357	242	59	has	have	AUX
ajiss-357	242	60	been	be	AUX
ajiss-357	242	61	strongly	strongly	ADV
ajiss-357	242	62	argued	argue	VERB
ajiss-357	242	63	that	that	SCONJ
ajiss-357	242	64	if	if	SCONJ
ajiss-357	242	65	global	global	ADJ
ajiss-357	242	66	banking	banking	NOUN
ajiss-357	242	67	practices	practice	NOUN
ajiss-357	242	68	had	have	AUX
ajiss-357	242	69	adhered	adhere	VERB
ajiss-357	242	70	to	to	ADP
ajiss-357	242	71	the	the	DET
ajiss-357	242	72	principles	principle	NOUN
ajiss-357	242	73	of	of	ADP
ajiss-357	242	74	islamic	islamic	ADJ
ajiss-357	242	75	finance	finance	NOUN
ajiss-357	242	76	related	relate	VERB
ajiss-357	242	77	to	to	ADP
ajiss-357	242	78	entrepreneurship	entrepreneurship	NOUN
ajiss-357	242	79	and	and	CCONJ
ajiss-357	242	80	transhassan	transhassan	VERB
ajiss-357	242	81	and	and	CCONJ
ajiss-357	242	82	chowdhury	chowdhury	PROPN
ajiss-357	242	83	:	:	PUNCT
ajiss-357	242	84	islamic	islamic	ADJ
ajiss-357	242	85	banking	banking	NOUN
ajiss-357	242	86	regulations	regulation	NOUN
ajiss-357	242	87	93	93	NUM
ajiss-357	242	88	ajiss-27-1-final-obay.qxp	ajiss-27-1-final-obay.qxp	PROPN
ajiss-357	242	89	6/9/2010	6/9/2010	PROPN
ajiss-357	242	90	4:06	4:06	NUM
ajiss-357	242	91	pm	pm	NOUN
ajiss-357	242	92	page	page	NOUN
ajiss-357	242	93	93	93	NUM
ajiss-357	242	94	pdf	pdf	NOUN
ajiss-357	242	95	created	create	VERB
ajiss-357	242	96	with	with	ADP
ajiss-357	242	97	pdffactory	pdffactory	ADJ
ajiss-357	242	98	pro	pro	ADJ
ajiss-357	242	99	trial	trial	NOUN
ajiss-357	242	100	version	version	NOUN
ajiss-357	242	101	www.pdffactory.com	www.pdffactory.com	X
ajiss-357	242	102	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	242	103	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	243	1	parency	parency	NOUN
ajiss-357	243	2	,	,	PUNCT
ajiss-357	243	3	the	the	DET
ajiss-357	243	4	global	global	ADJ
ajiss-357	243	5	crisis	crisis	NOUN
ajiss-357	243	6	/	/	SYM
ajiss-357	243	7	subprime	subprime	NOUN
ajiss-357	243	8	mortgage	mortgage	NOUN
ajiss-357	243	9	debacle	debacle	NOUN
ajiss-357	243	10	would	would	AUX
ajiss-357	243	11	have	have	AUX
ajiss-357	243	12	been	be	AUX
ajiss-357	243	13	prevented	prevent	VERB
ajiss-357	243	14	because	because	SCONJ
ajiss-357	243	15	it	it	PRON
ajiss-357	243	16	is	be	AUX
ajiss-357	243	17	against	against	ADP
ajiss-357	243	18	the	the	DET
ajiss-357	243	19	shari`ah	shari`ah	PROPN
ajiss-357	243	20	’s	’s	PART
ajiss-357	243	21	guidelines	guideline	NOUN
ajiss-357	243	22	to	to	PART
ajiss-357	243	23	sell	sell	VERB
ajiss-357	243	24	a	a	DET
ajiss-357	243	25	debt	debt	NOUN
ajiss-357	243	26	against	against	ADP
ajiss-357	243	27	a	a	DET
ajiss-357	243	28	debt	debt	NOUN
ajiss-357	243	29	.	.	PUNCT
ajiss-357	244	1	the	the	DET
ajiss-357	244	2	fundamental	fundamental	ADJ
ajiss-357	244	3	rule	rule	NOUN
ajiss-357	244	4	here	here	ADV
ajiss-357	244	5	is	be	AUX
ajiss-357	244	6	that	that	SCONJ
ajiss-357	244	7	one	one	PRON
ajiss-357	244	8	can	can	AUX
ajiss-357	244	9	not	not	PART
ajiss-357	244	10	sell	sell	VERB
ajiss-357	244	11	or	or	CCONJ
ajiss-357	244	12	lease	lease	VERB
ajiss-357	244	13	an	an	DET
ajiss-357	244	14	item	item	NOUN
ajiss-357	244	15	unless	unless	SCONJ
ajiss-357	244	16	he	he	PRON
ajiss-357	244	17	/	/	SYM
ajiss-357	244	18	she	she	PRON
ajiss-357	244	19	possesses	possess	VERB
ajiss-357	244	20	real	real	ADJ
ajiss-357	244	21	assets	asset	NOUN
ajiss-357	244	22	,	,	PUNCT
ajiss-357	244	23	since	since	SCONJ
ajiss-357	244	24	this	this	PRON
ajiss-357	244	25	is	be	AUX
ajiss-357	244	26	a	a	DET
ajiss-357	244	27	risky	risky	ADJ
ajiss-357	244	28	speculative	speculative	ADJ
ajiss-357	244	29	financial	financial	ADJ
ajiss-357	244	30	business	business	NOUN
ajiss-357	244	31	transaction.49	transaction.49	NOUN
ajiss-357	244	32	given	give	VERB
ajiss-357	244	33	that	that	SCONJ
ajiss-357	244	34	islamic	islamic	ADJ
ajiss-357	244	35	finance	finance	NOUN
ajiss-357	244	36	is	be	AUX
ajiss-357	244	37	based	base	VERB
ajiss-357	244	38	on	on	ADP
ajiss-357	244	39	equity	equity	NOUN
ajiss-357	244	40	rather	rather	ADV
ajiss-357	244	41	than	than	ADP
ajiss-357	244	42	debt	debt	NOUN
ajiss-357	244	43	,	,	PUNCT
ajiss-357	244	44	every	every	DET
ajiss-357	244	45	lending	lending	NOUN
ajiss-357	244	46	transaction	transaction	NOUN
ajiss-357	244	47	requires	require	VERB
ajiss-357	244	48	assets	asset	NOUN
ajiss-357	244	49	to	to	PART
ajiss-357	244	50	be	be	AUX
ajiss-357	244	51	backed	back	VERB
ajiss-357	244	52	in	in	ADP
ajiss-357	244	53	order	order	NOUN
ajiss-357	244	54	to	to	PART
ajiss-357	244	55	safeguard	safeguard	VERB
ajiss-357	244	56	the	the	DET
ajiss-357	244	57	banking	banking	NOUN
ajiss-357	244	58	industry	industry	NOUN
ajiss-357	244	59	against	against	ADP
ajiss-357	244	60	possible	possible	ADJ
ajiss-357	244	61	loan	loan	NOUN
ajiss-357	244	62	defaults	default	NOUN
ajiss-357	244	63	.	.	PUNCT
ajiss-357	245	1	the	the	DET
ajiss-357	245	2	enormity	enormity	NOUN
ajiss-357	245	3	of	of	ADP
ajiss-357	245	4	such	such	ADJ
ajiss-357	245	5	defaults	default	NOUN
ajiss-357	245	6	,	,	PUNCT
ajiss-357	245	7	should	should	AUX
ajiss-357	245	8	they	they	PRON
ajiss-357	245	9	occur	occur	VERB
ajiss-357	245	10	,	,	PUNCT
ajiss-357	245	11	within	within	ADP
ajiss-357	245	12	an	an	DET
ajiss-357	245	13	islamic	islamic	ADJ
ajiss-357	245	14	financial	financial	ADJ
ajiss-357	245	15	setting	setting	NOUN
ajiss-357	245	16	will	will	AUX
ajiss-357	245	17	not	not	PART
ajiss-357	245	18	threaten	threaten	VERB
ajiss-357	245	19	the	the	DET
ajiss-357	245	20	banking	banking	NOUN
ajiss-357	245	21	system	system	NOUN
ajiss-357	245	22	’s	’s	PART
ajiss-357	245	23	health	health	NOUN
ajiss-357	245	24	and	and	CCONJ
ajiss-357	245	25	proper	proper	ADJ
ajiss-357	245	26	functioning.50	functioning.50	PROPN
ajiss-357	245	27	islam	islam	PROPN
ajiss-357	245	28	takes	take	VERB
ajiss-357	245	29	particular	particular	ADJ
ajiss-357	245	30	interest	interest	NOUN
ajiss-357	245	31	in	in	ADP
ajiss-357	245	32	fostering	foster	VERB
ajiss-357	245	33	a	a	DET
ajiss-357	245	34	close	close	ADJ
ajiss-357	245	35	relationship	relationship	NOUN
ajiss-357	245	36	,	,	PUNCT
ajiss-357	245	37	transparency	transparency	NOUN
ajiss-357	245	38	,	,	PUNCT
ajiss-357	245	39	and	and	CCONJ
ajiss-357	245	40	trust	trust	NOUN
ajiss-357	245	41	between	between	ADP
ajiss-357	245	42	originators	originator	NOUN
ajiss-357	245	43	(	(	PUNCT
ajiss-357	245	44	financial	financial	ADJ
ajiss-357	245	45	institutions	institution	NOUN
ajiss-357	245	46	)	)	PUNCT
ajiss-357	245	47	of	of	ADP
ajiss-357	245	48	islamic	islamic	ADJ
ajiss-357	245	49	financial	financial	ADJ
ajiss-357	245	50	products	product	NOUN
ajiss-357	245	51	and	and	CCONJ
ajiss-357	245	52	investors	investor	NOUN
ajiss-357	245	53	.	.	PUNCT
ajiss-357	246	1	financiers	financier	NOUN
ajiss-357	246	2	loan	loan	VERB
ajiss-357	246	3	only	only	ADV
ajiss-357	246	4	to	to	ADP
ajiss-357	246	5	worthy	worthy	ADJ
ajiss-357	246	6	borrowers	borrower	NOUN
ajiss-357	246	7	who	who	PRON
ajiss-357	246	8	have	have	VERB
ajiss-357	246	9	a	a	DET
ajiss-357	246	10	genuine	genuine	ADJ
ajiss-357	246	11	need	need	NOUN
ajiss-357	246	12	and	and	CCONJ
ajiss-357	246	13	an	an	DET
ajiss-357	246	14	identifiable	identifiable	ADJ
ajiss-357	246	15	business	business	NOUN
ajiss-357	246	16	activity	activity	NOUN
ajiss-357	246	17	.	.	PUNCT
ajiss-357	247	1	in	in	ADP
ajiss-357	247	2	an	an	DET
ajiss-357	247	3	astounding	astounding	ADJ
ajiss-357	247	4	move	move	NOUN
ajiss-357	247	5	,	,	PUNCT
ajiss-357	247	6	even	even	ADV
ajiss-357	247	7	the	the	DET
ajiss-357	247	8	vatican	vatican	PROPN
ajiss-357	247	9	has	have	AUX
ajiss-357	247	10	recognized	recognize	VERB
ajiss-357	247	11	the	the	DET
ajiss-357	247	12	implication	implication	NOUN
ajiss-357	247	13	of	of	ADP
ajiss-357	247	14	bringing	bring	VERB
ajiss-357	247	15	banks	bank	NOUN
ajiss-357	247	16	closer	close	ADV
ajiss-357	247	17	to	to	ADP
ajiss-357	247	18	their	their	PRON
ajiss-357	247	19	clients	client	NOUN
ajiss-357	247	20	and	and	CCONJ
ajiss-357	247	21	has	have	AUX
ajiss-357	247	22	accredited	accredit	VERB
ajiss-357	247	23	islamic	islamic	ADJ
ajiss-357	247	24	finance	finance	NOUN
ajiss-357	247	25	as	as	ADP
ajiss-357	247	26	the	the	DET
ajiss-357	247	27	frontrunner	frontrunner	NOUN
ajiss-357	247	28	in	in	ADP
ajiss-357	247	29	this	this	DET
ajiss-357	247	30	regard.51	regard.51	NOUN
ajiss-357	247	31	the	the	DET
ajiss-357	247	32	islamic	islamic	ADJ
ajiss-357	247	33	regulatory	regulatory	ADJ
ajiss-357	247	34	control	control	NOUN
ajiss-357	247	35	system	system	NOUN
ajiss-357	247	36	stipulates	stipulate	VERB
ajiss-357	247	37	that	that	SCONJ
ajiss-357	247	38	potential	potential	ADJ
ajiss-357	247	39	investors	investor	NOUN
ajiss-357	247	40	be	be	VERB
ajiss-357	247	41	well	well	ADV
ajiss-357	247	42	-	-	PUNCT
ajiss-357	247	43	versed	verse	VERB
ajiss-357	247	44	in	in	ADP
ajiss-357	247	45	the	the	DET
ajiss-357	247	46	prospects	prospect	NOUN
ajiss-357	247	47	(	(	PUNCT
ajiss-357	247	48	opportunities	opportunity	NOUN
ajiss-357	247	49	and	and	CCONJ
ajiss-357	247	50	risks	risk	NOUN
ajiss-357	247	51	)	)	PUNCT
ajiss-357	247	52	to	to	PART
ajiss-357	247	53	which	which	PRON
ajiss-357	247	54	their	their	PRON
ajiss-357	247	55	investments	investment	NOUN
ajiss-357	247	56	are	be	AUX
ajiss-357	247	57	subject	subject	ADJ
ajiss-357	247	58	when	when	SCONJ
ajiss-357	247	59	entering	enter	VERB
ajiss-357	247	60	into	into	ADP
ajiss-357	247	61	new	new	ADJ
ajiss-357	247	62	contracts	contract	NOUN
ajiss-357	247	63	.	.	PUNCT
ajiss-357	248	1	risk	risk	NOUN
ajiss-357	248	2	must	must	AUX
ajiss-357	248	3	be	be	AUX
ajiss-357	248	4	explicitly	explicitly	ADV
ajiss-357	248	5	communicated	communicate	VERB
ajiss-357	248	6	to	to	ADP
ajiss-357	248	7	all	all	DET
ajiss-357	248	8	stakeholders	stakeholder	NOUN
ajiss-357	248	9	,	,	PUNCT
ajiss-357	248	10	and	and	CCONJ
ajiss-357	248	11	financial	financial	ADJ
ajiss-357	248	12	institutions	institution	NOUN
ajiss-357	248	13	are	be	AUX
ajiss-357	248	14	under	under	ADP
ajiss-357	248	15	obligation	obligation	NOUN
ajiss-357	248	16	to	to	PART
ajiss-357	248	17	conform	conform	VERB
ajiss-357	248	18	to	to	ADP
ajiss-357	248	19	comprehensive	comprehensive	ADJ
ajiss-357	248	20	disclosure	disclosure	NOUN
ajiss-357	248	21	and	and	CCONJ
ajiss-357	248	22	transparency	transparency	NOUN
ajiss-357	248	23	standards	standard	NOUN
ajiss-357	248	24	.	.	PUNCT
ajiss-357	249	1	full	full	ADJ
ajiss-357	249	2	disclosure	disclosure	NOUN
ajiss-357	249	3	and	and	CCONJ
ajiss-357	249	4	transparency	transparency	NOUN
ajiss-357	249	5	in	in	ADP
ajiss-357	249	6	mudarabah	mudarabah	NOUN
ajiss-357	249	7	and	and	CCONJ
ajiss-357	249	8	musharakah	musharakah	ADJ
ajiss-357	249	9	contracts	contract	NOUN
ajiss-357	249	10	in	in	ADP
ajiss-357	249	11	the	the	DET
ajiss-357	249	12	spirit	spirit	NOUN
ajiss-357	249	13	of	of	ADP
ajiss-357	249	14	the	the	DET
ajiss-357	249	15	shari`ah	shari`ah	PROPN
ajiss-357	249	16	will	will	AUX
ajiss-357	249	17	enhance	enhance	VERB
ajiss-357	249	18	market	market	NOUN
ajiss-357	249	19	discipline	discipline	NOUN
ajiss-357	249	20	,	,	PUNCT
ajiss-357	249	21	control	control	VERB
ajiss-357	249	22	imprudent	imprudent	ADJ
ajiss-357	249	23	lending	lending	NOUN
ajiss-357	249	24	,	,	PUNCT
ajiss-357	249	25	avoid	avoid	VERB
ajiss-357	249	26	speculation	speculation	NOUN
ajiss-357	249	27	and	and	CCONJ
ajiss-357	249	28	preventable	preventable	ADJ
ajiss-357	249	29	uncertainty	uncertainty	NOUN
ajiss-357	249	30	(	(	PUNCT
ajiss-357	249	31	gharar	gharar	NOUN
ajiss-357	249	32	)	)	PUNCT
ajiss-357	249	33	,	,	PUNCT
ajiss-357	249	34	and	and	CCONJ
ajiss-357	249	35	ensure	ensure	VERB
ajiss-357	249	36	the	the	DET
ajiss-357	249	37	islamic	islamic	ADJ
ajiss-357	249	38	financial	financial	ADJ
ajiss-357	249	39	system	system	NOUN
ajiss-357	249	40	’s	’s	PART
ajiss-357	249	41	financial	financial	ADJ
ajiss-357	249	42	stability.52	stability.52	PROPN
ajiss-357	249	43	mudarabah	mudarabah	NOUN
ajiss-357	249	44	and	and	CCONJ
ajiss-357	249	45	musharakah	musharakah	PROPN
ajiss-357	249	46	contracts	contract	NOUN
ajiss-357	249	47	are	be	AUX
ajiss-357	249	48	also	also	ADV
ajiss-357	249	49	seen	see	VERB
ajiss-357	249	50	as	as	ADP
ajiss-357	249	51	effective	effective	ADJ
ajiss-357	249	52	instruments	instrument	NOUN
ajiss-357	249	53	for	for	ADP
ajiss-357	249	54	managing	manage	VERB
ajiss-357	249	55	risk	risk	NOUN
ajiss-357	249	56	through	through	ADP
ajiss-357	249	57	risk	risk	NOUN
ajiss-357	249	58	sharing	sharing	NOUN
ajiss-357	249	59	,	,	PUNCT
ajiss-357	249	60	as	as	SCONJ
ajiss-357	249	61	opposed	oppose	VERB
ajiss-357	249	62	to	to	PART
ajiss-357	249	63	risk	risk	NOUN
ajiss-357	249	64	shifting	shift	VERB
ajiss-357	249	65	.	.	PUNCT
ajiss-357	250	1	the	the	DET
ajiss-357	250	2	inclusiveness	inclusiveness	NOUN
ajiss-357	250	3	of	of	ADP
ajiss-357	250	4	the	the	DET
ajiss-357	250	5	concept	concept	NOUN
ajiss-357	250	6	of	of	ADP
ajiss-357	250	7	risk	risk	NOUN
ajiss-357	250	8	sharing	sharing	NOUN
ajiss-357	250	9	,	,	PUNCT
ajiss-357	250	10	as	as	SCONJ
ajiss-357	250	11	opposed	oppose	VERB
ajiss-357	250	12	to	to	PART
ajiss-357	250	13	risk	risk	NOUN
ajiss-357	250	14	taking	taking	NOUN
ajiss-357	250	15	,	,	PUNCT
ajiss-357	250	16	is	be	AUX
ajiss-357	250	17	extended	extend	VERB
ajiss-357	250	18	to	to	PART
ajiss-357	250	19	include	include	VERB
ajiss-357	250	20	the	the	DET
ajiss-357	250	21	prohibition	prohibition	NOUN
ajiss-357	250	22	of	of	ADP
ajiss-357	250	23	risk	risk	NOUN
ajiss-357	250	24	shifting	shift	VERB
ajiss-357	250	25	,	,	PUNCT
ajiss-357	250	26	as	as	ADP
ajiss-357	250	27	in	in	ADP
ajiss-357	250	28	credit	credit	NOUN
ajiss-357	250	29	default	default	NOUN
ajiss-357	250	30	swaps	swap	NOUN
ajiss-357	250	31	(	(	PUNCT
ajiss-357	250	32	cds	cds	PROPN
ajiss-357	250	33	)	)	PUNCT
ajiss-357	250	34	.	.	PUNCT
ajiss-357	251	1	siddiqi	siddiqi	PROPN
ajiss-357	251	2	strongly	strongly	ADV
ajiss-357	251	3	argues	argue	VERB
ajiss-357	251	4	that	that	SCONJ
ajiss-357	251	5	“	"	PUNCT
ajiss-357	251	6	risk	risk	NOUN
ajiss-357	251	7	shifting	shift	VERB
ajiss-357	251	8	is	be	AUX
ajiss-357	251	9	gambling	gamble	VERB
ajiss-357	251	10	.	.	PUNCT
ajiss-357	252	1	”53	”53	ADV
ajiss-357	252	2	every	every	DET
ajiss-357	252	3	loan	loan	NOUN
ajiss-357	252	4	made	make	VERB
ajiss-357	252	5	by	by	ADP
ajiss-357	252	6	a	a	DET
ajiss-357	252	7	lending	lending	NOUN
ajiss-357	252	8	institution	institution	NOUN
ajiss-357	252	9	is	be	AUX
ajiss-357	252	10	subject	subject	ADJ
ajiss-357	252	11	to	to	ADP
ajiss-357	252	12	credit	credit	NOUN
ajiss-357	252	13	risk	risk	NOUN
ajiss-357	252	14	,	,	PUNCT
ajiss-357	252	15	and	and	CCONJ
ajiss-357	252	16	selling	sell	VERB
ajiss-357	252	17	these	these	DET
ajiss-357	252	18	risks	risk	NOUN
ajiss-357	252	19	to	to	ADP
ajiss-357	252	20	a	a	DET
ajiss-357	252	21	third	third	ADJ
ajiss-357	252	22	party	party	NOUN
ajiss-357	252	23	ensures	ensure	VERB
ajiss-357	252	24	that	that	SCONJ
ajiss-357	252	25	only	only	ADV
ajiss-357	252	26	one	one	NUM
ajiss-357	252	27	party	party	NOUN
ajiss-357	252	28	(	(	PUNCT
ajiss-357	252	29	viz	viz	PROPN
ajiss-357	252	30	.	.	PROPN
ajiss-357	252	31	,	,	PUNCT
ajiss-357	252	32	the	the	DET
ajiss-357	252	33	seller	seller	NOUN
ajiss-357	252	34	or	or	CCONJ
ajiss-357	252	35	the	the	DET
ajiss-357	252	36	buyer	buyer	NOUN
ajiss-357	252	37	of	of	ADP
ajiss-357	252	38	risk	risk	NOUN
ajiss-357	252	39	)	)	PUNCT
ajiss-357	252	40	gains	gain	VERB
ajiss-357	252	41	the	the	DET
ajiss-357	252	42	losses	loss	NOUN
ajiss-357	252	43	incurred	incur	VERB
ajiss-357	252	44	by	by	ADP
ajiss-357	252	45	the	the	DET
ajiss-357	252	46	other	other	ADJ
ajiss-357	252	47	parties	party	NOUN
ajiss-357	252	48	;	;	PUNCT
ajiss-357	252	49	no	no	DET
ajiss-357	252	50	additional	additional	ADJ
ajiss-357	252	51	wealth	wealth	NOUN
ajiss-357	252	52	is	be	AUX
ajiss-357	252	53	created.54	created.54	PROPN
ajiss-357	252	54	unethical	unethical	ADJ
ajiss-357	252	55	accounting	accounting	NOUN
ajiss-357	252	56	,	,	PUNCT
ajiss-357	252	57	fraud	fraud	NOUN
ajiss-357	252	58	,	,	PUNCT
ajiss-357	252	59	and	and	CCONJ
ajiss-357	252	60	corruption	corruption	NOUN
ajiss-357	252	61	,	,	PUNCT
ajiss-357	252	62	all	all	PRON
ajiss-357	252	63	of	of	ADP
ajiss-357	252	64	which	which	PRON
ajiss-357	252	65	are	be	AUX
ajiss-357	252	66	ubiquitous	ubiquitous	ADJ
ajiss-357	252	67	in	in	ADP
ajiss-357	252	68	conventional	conventional	ADJ
ajiss-357	252	69	banking	banking	NOUN
ajiss-357	252	70	,	,	PUNCT
ajiss-357	252	71	are	be	AUX
ajiss-357	252	72	mitigated	mitigate	VERB
ajiss-357	252	73	in	in	ADP
ajiss-357	252	74	islamic	islamic	ADJ
ajiss-357	252	75	finance	finance	NOUN
ajiss-357	252	76	,	,	PUNCT
ajiss-357	252	77	since	since	SCONJ
ajiss-357	252	78	ethics	ethic	NOUN
ajiss-357	252	79	are	be	AUX
ajiss-357	252	80	entrenched	entrench	VERB
ajiss-357	252	81	in	in	ADP
ajiss-357	252	82	islamic	islamic	ADJ
ajiss-357	252	83	institutions	institution	NOUN
ajiss-357	252	84	.	.	PUNCT
ajiss-357	253	1	the	the	DET
ajiss-357	253	2	islamic	islamic	ADJ
ajiss-357	253	3	concept	concept	NOUN
ajiss-357	253	4	of	of	ADP
ajiss-357	253	5	ethics	ethic	NOUN
ajiss-357	253	6	gains	gain	VERB
ajiss-357	253	7	its	its	PRON
ajiss-357	253	8	legitimacy	legitimacy	NOUN
ajiss-357	253	9	from	from	ADP
ajiss-357	253	10	being	be	AUX
ajiss-357	253	11	based	base	VERB
ajiss-357	253	12	on	on	ADP
ajiss-357	253	13	heavenly	heavenly	ADJ
ajiss-357	253	14	commands	command	NOUN
ajiss-357	253	15	that	that	PRON
ajiss-357	253	16	establish	establish	VERB
ajiss-357	253	17	opera94	opera94	PROPN
ajiss-357	253	18	the	the	DET
ajiss-357	253	19	american	american	PROPN
ajiss-357	253	20	journal	journal	PROPN
ajiss-357	253	21	of	of	ADP
ajiss-357	253	22	islamic	islamic	ADJ
ajiss-357	253	23	social	social	PROPN
ajiss-357	253	24	sciences	sciences	PROPN
ajiss-357	253	25	27:1	27:1	NUM
ajiss-357	253	26	ajiss-27-1-final-obay.qxp	ajiss-27-1-final-obay.qxp	PROPN
ajiss-357	253	27	6/9/2010	6/9/2010	NUM
ajiss-357	253	28	4:06	4:06	NUM
ajiss-357	253	29	pm	pm	NOUN
ajiss-357	253	30	page	page	NOUN
ajiss-357	253	31	94	94	NUM
ajiss-357	253	32	pdf	pdf	NOUN
ajiss-357	253	33	created	create	VERB
ajiss-357	253	34	with	with	ADP
ajiss-357	253	35	pdffactory	pdffactory	ADJ
ajiss-357	253	36	pro	pro	ADJ
ajiss-357	253	37	trial	trial	NOUN
ajiss-357	253	38	version	version	NOUN
ajiss-357	253	39	www.pdffactory.com	www.pdffactory.com	X
ajiss-357	253	40	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	253	41	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	254	1	tional	tional	ADJ
ajiss-357	254	2	guidelines	guideline	NOUN
ajiss-357	254	3	,	,	PUNCT
ajiss-357	254	4	while	while	SCONJ
ajiss-357	254	5	western	western	ADJ
ajiss-357	254	6	man	man	NOUN
ajiss-357	254	7	-	-	PUNCT
ajiss-357	254	8	made	make	VERB
ajiss-357	254	9	trial	trial	NOUN
ajiss-357	254	10	-	-	PUNCT
ajiss-357	254	11	and	and	CCONJ
ajiss-357	254	12	-	-	PUNCT
ajiss-357	254	13	error	error	NOUN
ajiss-357	254	14	business	business	NOUN
ajiss-357	254	15	ethics	ethic	NOUN
ajiss-357	254	16	lack	lack	VERB
ajiss-357	254	17	any	any	DET
ajiss-357	254	18	accepted	accepted	ADJ
ajiss-357	254	19	authority	authority	NOUN
ajiss-357	254	20	of	of	ADP
ajiss-357	254	21	ethical	ethical	ADJ
ajiss-357	254	22	ideals	ideal	NOUN
ajiss-357	254	23	and	and	CCONJ
ajiss-357	254	24	the	the	DET
ajiss-357	254	25	power	power	NOUN
ajiss-357	254	26	of	of	ADP
ajiss-357	254	27	generalization	generalization	NOUN
ajiss-357	254	28	.	.	PUNCT
ajiss-357	255	1	in	in	ADP
ajiss-357	255	2	july	july	PROPN
ajiss-357	255	3	2009	2009	NUM
ajiss-357	255	4	,	,	PUNCT
ajiss-357	255	5	the	the	DET
ajiss-357	255	6	basel	basel	PROPN
ajiss-357	255	7	committee	committee	PROPN
ajiss-357	255	8	on	on	ADP
ajiss-357	255	9	banking	banking	NOUN
ajiss-357	255	10	supervision	supervision	NOUN
ajiss-357	255	11	introduced	introduce	VERB
ajiss-357	255	12	new	new	ADJ
ajiss-357	255	13	measures	measure	NOUN
ajiss-357	255	14	to	to	PART
ajiss-357	255	15	enhance	enhance	VERB
ajiss-357	255	16	the	the	DET
ajiss-357	255	17	three	three	NUM
ajiss-357	255	18	pillars	pillar	NOUN
ajiss-357	255	19	of	of	ADP
ajiss-357	255	20	the	the	DET
ajiss-357	255	21	basel	basel	PROPN
ajiss-357	255	22	ii	ii	PROPN
ajiss-357	255	23	framework	framework	NOUN
ajiss-357	255	24	.	.	PUNCT
ajiss-357	256	1	such	such	ADJ
ajiss-357	256	2	measures	measure	NOUN
ajiss-357	256	3	are	be	AUX
ajiss-357	256	4	part	part	NOUN
ajiss-357	256	5	of	of	ADP
ajiss-357	256	6	the	the	DET
ajiss-357	256	7	committee	committee	NOUN
ajiss-357	256	8	’s	’s	PART
ajiss-357	256	9	program	program	NOUN
ajiss-357	256	10	of	of	ADP
ajiss-357	256	11	enhancing	enhance	VERB
ajiss-357	256	12	the	the	DET
ajiss-357	256	13	regulatory	regulatory	ADJ
ajiss-357	256	14	capital	capital	NOUN
ajiss-357	256	15	framework	framework	NOUN
ajiss-357	256	16	by	by	ADP
ajiss-357	256	17	introducing	introduce	VERB
ajiss-357	256	18	higher	high	ADJ
ajiss-357	256	19	risk	risk	NOUN
ajiss-357	256	20	weights	weight	NOUN
ajiss-357	256	21	for	for	ADP
ajiss-357	256	22	the	the	DET
ajiss-357	256	23	resecuritization	resecuritization	NOUN
ajiss-357	256	24	exposures	exposure	NOUN
ajiss-357	256	25	of	of	ADP
ajiss-357	256	26	complex	complex	ADJ
ajiss-357	256	27	derivative	derivative	ADJ
ajiss-357	256	28	products	product	NOUN
ajiss-357	256	29	(	(	PUNCT
ajiss-357	256	30	e.g.	e.g.	ADV
ajiss-357	256	31	,	,	PUNCT
ajiss-357	256	32	collateralized	collateralized	ADJ
ajiss-357	256	33	debt	debt	NOUN
ajiss-357	256	34	obligations	obligation	NOUN
ajiss-357	257	1	[	[	X
ajiss-357	257	2	cdos	cdo	NOUN
ajiss-357	257	3	]	]	PUNCT
ajiss-357	257	4	of	of	ADP
ajiss-357	257	5	asset	asset	NOUN
ajiss-357	257	6	-	-	PUNCT
ajiss-357	257	7	backed	back	VERB
ajiss-357	257	8	securities	security	NOUN
ajiss-357	257	9	[	[	X
ajiss-357	257	10	abs	ab	NOUN
ajiss-357	257	11	]	]	PUNCT
ajiss-357	257	12	)	)	PUNCT
ajiss-357	257	13	to	to	PART
ajiss-357	257	14	better	well	ADV
ajiss-357	257	15	reflect	reflect	VERB
ajiss-357	257	16	their	their	PRON
ajiss-357	257	17	risk	risk	NOUN
ajiss-357	257	18	exposure	exposure	NOUN
ajiss-357	257	19	.	.	PUNCT
ajiss-357	258	1	it	it	PRON
ajiss-357	258	2	is	be	AUX
ajiss-357	258	3	also	also	ADV
ajiss-357	258	4	raising	raise	VERB
ajiss-357	258	5	credit	credit	NOUN
ajiss-357	258	6	conversion	conversion	NOUN
ajiss-357	258	7	factors	factor	NOUN
ajiss-357	258	8	for	for	ADP
ajiss-357	258	9	short	short	ADJ
ajiss-357	258	10	-	-	PUNCT
ajiss-357	258	11	term	term	NOUN
ajiss-357	258	12	liquidity	liquidity	NOUN
ajiss-357	258	13	facilities	facility	NOUN
ajiss-357	258	14	to	to	ADP
ajiss-357	258	15	off	off	ADP
ajiss-357	258	16	-	-	PUNCT
ajiss-357	258	17	balance	balance	NOUN
ajiss-357	258	18	sheet	sheet	NOUN
ajiss-357	258	19	conduits	conduit	NOUN
ajiss-357	258	20	and	and	CCONJ
ajiss-357	258	21	requiring	require	VERB
ajiss-357	258	22	that	that	SCONJ
ajiss-357	258	23	banks	bank	NOUN
ajiss-357	258	24	conduct	conduct	VERB
ajiss-357	258	25	a	a	DET
ajiss-357	258	26	more	more	ADV
ajiss-357	258	27	thorough	thorough	ADJ
ajiss-357	258	28	credit	credit	NOUN
ajiss-357	258	29	analysis	analysis	NOUN
ajiss-357	258	30	of	of	ADP
ajiss-357	258	31	securitization	securitization	NOUN
ajiss-357	258	32	risk	risk	NOUN
ajiss-357	258	33	conducted	conduct	VERB
ajiss-357	258	34	by	by	ADP
ajiss-357	258	35	external	external	ADJ
ajiss-357	258	36	credit	credit	NOUN
ajiss-357	258	37	rating	rating	NOUN
ajiss-357	258	38	agencies	agency	NOUN
ajiss-357	258	39	.	.	PUNCT
ajiss-357	259	1	in	in	ADP
ajiss-357	259	2	addition	addition	NOUN
ajiss-357	259	3	,	,	PUNCT
ajiss-357	259	4	the	the	DET
ajiss-357	259	5	basel	basel	PROPN
ajiss-357	259	6	ii	ii	PROPN
ajiss-357	259	7	package	package	NOUN
ajiss-357	259	8	includes	include	VERB
ajiss-357	259	9	enhancements	enhancement	NOUN
ajiss-357	259	10	to	to	ADP
ajiss-357	259	11	the	the	DET
ajiss-357	259	12	market	market	NOUN
ajiss-357	259	13	discipline	discipline	NOUN
ajiss-357	259	14	frameworks	framework	NOUN
ajiss-357	259	15	that	that	PRON
ajiss-357	259	16	are	be	AUX
ajiss-357	259	17	designed	design	VERB
ajiss-357	259	18	to	to	PART
ajiss-357	259	19	boost	boost	VERB
ajiss-357	259	20	disclosure	disclosure	NOUN
ajiss-357	259	21	requirements	requirement	NOUN
ajiss-357	259	22	for	for	ADP
ajiss-357	259	23	securitizations	securitization	NOUN
ajiss-357	259	24	,	,	PUNCT
ajiss-357	259	25	off	off	ADP
ajiss-357	259	26	-	-	PUNCT
ajiss-357	259	27	balance	balance	NOUN
ajiss-357	259	28	sheet	sheet	NOUN
ajiss-357	259	29	exposures	exposure	NOUN
ajiss-357	259	30	,	,	PUNCT
ajiss-357	259	31	and	and	CCONJ
ajiss-357	259	32	trading	trading	NOUN
ajiss-357	259	33	activities	activity	NOUN
ajiss-357	259	34	.	.	PUNCT
ajiss-357	260	1	such	such	ADJ
ajiss-357	260	2	additional	additional	ADJ
ajiss-357	260	3	requirements	requirement	NOUN
ajiss-357	260	4	are	be	AUX
ajiss-357	260	5	expected	expect	VERB
ajiss-357	260	6	to	to	PART
ajiss-357	260	7	decrease	decrease	VERB
ajiss-357	260	8	the	the	DET
ajiss-357	260	9	level	level	NOUN
ajiss-357	260	10	of	of	ADP
ajiss-357	260	11	risk	risk	NOUN
ajiss-357	260	12	related	relate	VERB
ajiss-357	260	13	to	to	ADP
ajiss-357	260	14	the	the	DET
ajiss-357	260	15	banks	bank	NOUN
ajiss-357	260	16	’	’	PART
ajiss-357	260	17	balance	balance	NOUN
ajiss-357	260	18	sheet	sheet	NOUN
ajiss-357	260	19	as	as	SCONJ
ajiss-357	260	20	regards	regard	VERB
ajiss-357	260	21	capital	capital	NOUN
ajiss-357	260	22	market	market	NOUN
ajiss-357	260	23	exposure.55	exposure.55	NOUN
ajiss-357	260	24	the	the	DET
ajiss-357	260	25	conventional	conventional	ADJ
ajiss-357	260	26	financial	financial	ADJ
ajiss-357	260	27	system	system	NOUN
ajiss-357	260	28	’s	’s	PART
ajiss-357	260	29	inherent	inherent	ADJ
ajiss-357	260	30	frailty	frailty	NOUN
ajiss-357	260	31	and	and	CCONJ
ajiss-357	260	32	faults	fault	NOUN
ajiss-357	260	33	has	have	AUX
ajiss-357	260	34	led	lead	VERB
ajiss-357	260	35	islamic	islamic	ADJ
ajiss-357	260	36	scholars	scholar	NOUN
ajiss-357	260	37	and	and	CCONJ
ajiss-357	260	38	economists	economist	NOUN
ajiss-357	260	39	to	to	PART
ajiss-357	260	40	reaffirm	reaffirm	VERB
ajiss-357	260	41	that	that	SCONJ
ajiss-357	260	42	the	the	DET
ajiss-357	260	43	root	root	NOUN
ajiss-357	260	44	of	of	ADP
ajiss-357	260	45	the	the	DET
ajiss-357	260	46	ongoing	ongoing	ADJ
ajiss-357	260	47	crisis	crisis	NOUN
ajiss-357	260	48	was	be	AUX
ajiss-357	260	49	the	the	DET
ajiss-357	260	50	inadequate	inadequate	ADJ
ajiss-357	260	51	market	market	NOUN
ajiss-357	260	52	discipline	discipline	NOUN
ajiss-357	260	53	that	that	PRON
ajiss-357	260	54	resulted	result	VERB
ajiss-357	260	55	from	from	ADP
ajiss-357	260	56	the	the	DET
ajiss-357	260	57	lack	lack	NOUN
ajiss-357	260	58	of	of	ADP
ajiss-357	260	59	profit	profit	NOUN
ajiss-357	260	60	sharing	sharing	NOUN
ajiss-357	260	61	models	model	NOUN
ajiss-357	260	62	of	of	ADP
ajiss-357	260	63	financing	financing	NOUN
ajiss-357	260	64	,	,	PUNCT
ajiss-357	260	65	the	the	DET
ajiss-357	260	66	expansion	expansion	NOUN
ajiss-357	260	67	of	of	ADP
ajiss-357	260	68	derivatives	derivative	NOUN
ajiss-357	260	69	,	,	PUNCT
ajiss-357	260	70	and	and	CCONJ
ajiss-357	260	71	the	the	DET
ajiss-357	260	72	policy	policy	NOUN
ajiss-357	260	73	of	of	ADP
ajiss-357	260	74	“	"	PUNCT
ajiss-357	260	75	too	too	ADV
ajiss-357	260	76	big	big	ADJ
ajiss-357	260	77	to	to	PART
ajiss-357	260	78	fail	fail	VERB
ajiss-357	260	79	.	.	PUNCT
ajiss-357	261	1	”56	”56	PUNCT
ajiss-357	261	2	others	other	NOUN
ajiss-357	261	3	argue	argue	VERB
ajiss-357	261	4	that	that	SCONJ
ajiss-357	261	5	moral	moral	ADJ
ajiss-357	261	6	failure	failure	NOUN
ajiss-357	261	7	led	lead	VERB
ajiss-357	261	8	to	to	ADP
ajiss-357	261	9	exploitation	exploitation	NOUN
ajiss-357	261	10	and	and	CCONJ
ajiss-357	261	11	corruption	corruption	NOUN
ajiss-357	261	12	,	,	PUNCT
ajiss-357	261	13	as	as	SCONJ
ajiss-357	261	14	characterized	characterize	VERB
ajiss-357	261	15	by	by	ADP
ajiss-357	261	16	overextended	overextended	ADJ
ajiss-357	261	17	leverage	leverage	NOUN
ajiss-357	261	18	,	,	PUNCT
ajiss-357	261	19	complex	complex	ADJ
ajiss-357	261	20	products	product	NOUN
ajiss-357	261	21	,	,	PUNCT
ajiss-357	261	22	and	and	CCONJ
ajiss-357	261	23	speculation	speculation	NOUN
ajiss-357	261	24	through	through	ADP
ajiss-357	261	25	risk	risk	NOUN
ajiss-357	261	26	shifting	shift	VERB
ajiss-357	261	27	.	.	PUNCT
ajiss-357	262	1	it	it	PRON
ajiss-357	262	2	should	should	AUX
ajiss-357	262	3	not	not	PART
ajiss-357	262	4	be	be	AUX
ajiss-357	262	5	forgotten	forget	VERB
ajiss-357	262	6	,	,	PUNCT
ajiss-357	262	7	however	however	ADV
ajiss-357	262	8	,	,	PUNCT
ajiss-357	262	9	that	that	SCONJ
ajiss-357	262	10	islamic	islamic	ADJ
ajiss-357	262	11	banks	bank	NOUN
ajiss-357	262	12	are	be	AUX
ajiss-357	262	13	susceptible	susceptible	ADJ
ajiss-357	262	14	to	to	ADP
ajiss-357	262	15	the	the	DET
ajiss-357	262	16	same	same	ADJ
ajiss-357	262	17	fate	fate	NOUN
ajiss-357	262	18	if	if	SCONJ
ajiss-357	262	19	they	they	PRON
ajiss-357	262	20	are	be	AUX
ajiss-357	262	21	not	not	PART
ajiss-357	262	22	well	well	ADV
ajiss-357	262	23	monitored	monitor	VERB
ajiss-357	262	24	.	.	PUNCT
ajiss-357	263	1	there	there	PRON
ajiss-357	263	2	is	be	VERB
ajiss-357	263	3	a	a	DET
ajiss-357	263	4	rapid	rapid	ADJ
ajiss-357	263	5	growth	growth	NOUN
ajiss-357	263	6	of	of	ADP
ajiss-357	263	7	complex	complex	ADJ
ajiss-357	263	8	shari`ah	shari`ah	PROPN
ajiss-357	263	9	-	-	PUNCT
ajiss-357	263	10	compliant	compliant	ADJ
ajiss-357	263	11	financial	financial	ADJ
ajiss-357	263	12	innovations	innovation	NOUN
ajiss-357	263	13	such	such	ADJ
ajiss-357	263	14	as	as	ADP
ajiss-357	263	15	tradable	tradable	ADJ
ajiss-357	263	16	sukuk	sukuk	NOUN
ajiss-357	263	17	(	(	PUNCT
ajiss-357	263	18	financial	financial	ADJ
ajiss-357	263	19	certificates	certificate	NOUN
ajiss-357	263	20	or	or	CCONJ
ajiss-357	263	21	bonds	bond	NOUN
ajiss-357	263	22	)	)	PUNCT
ajiss-357	263	23	,	,	PUNCT
ajiss-357	263	24	which	which	PRON
ajiss-357	263	25	have	have	AUX
ajiss-357	263	26	features	feature	NOUN
ajiss-357	263	27	similar	similar	ADJ
ajiss-357	263	28	to	to	ADP
ajiss-357	263	29	those	those	PRON
ajiss-357	263	30	of	of	ADP
ajiss-357	263	31	cdos	cdo	NOUN
ajiss-357	263	32	and	and	CCONJ
ajiss-357	263	33	mortgage	mortgage	NOUN
ajiss-357	263	34	-	-	PUNCT
ajiss-357	263	35	backed	back	VERB
ajiss-357	263	36	securities	security	NOUN
ajiss-357	263	37	(	(	PUNCT
ajiss-357	263	38	mbss	mbss	NOUN
ajiss-357	263	39	)	)	PUNCT
ajiss-357	263	40	,	,	PUNCT
ajiss-357	263	41	and	and	CCONJ
ajiss-357	263	42	islamic	islamic	ADJ
ajiss-357	263	43	return	return	NOUN
ajiss-357	263	44	swaps	swap	NOUN
ajiss-357	263	45	,	,	PUNCT
ajiss-357	263	46	where	where	SCONJ
ajiss-357	263	47	the	the	DET
ajiss-357	263	48	underlying	underlie	VERB
ajiss-357	263	49	permissible	permissible	ADJ
ajiss-357	263	50	assets	asset	NOUN
ajiss-357	263	51	can	can	AUX
ajiss-357	263	52	be	be	AUX
ajiss-357	263	53	swapped	swap	VERB
ajiss-357	263	54	with	with	ADP
ajiss-357	263	55	returns	return	NOUN
ajiss-357	263	56	on	on	ADP
ajiss-357	263	57	subprime	subprime	ADJ
ajiss-357	263	58	cdos	cdo	NOUN
ajiss-357	263	59	.	.	PUNCT
ajiss-357	264	1	the	the	DET
ajiss-357	264	2	islamic	islamic	ADJ
ajiss-357	264	3	financial	financial	ADJ
ajiss-357	264	4	industry	industry	NOUN
ajiss-357	264	5	should	should	AUX
ajiss-357	264	6	avoid	avoid	VERB
ajiss-357	264	7	mimicking	mimic	VERB
ajiss-357	264	8	conventional	conventional	ADJ
ajiss-357	264	9	financial	financial	ADJ
ajiss-357	264	10	products	product	NOUN
ajiss-357	264	11	and	and	CCONJ
ajiss-357	264	12	understand	understand	VERB
ajiss-357	264	13	the	the	DET
ajiss-357	264	14	incentive	incentive	NOUN
ajiss-357	264	15	structures	structure	NOUN
ajiss-357	264	16	and	and	CCONJ
ajiss-357	264	17	risks	risk	NOUN
ajiss-357	264	18	associated	associate	VERB
ajiss-357	264	19	with	with	ADP
ajiss-357	264	20	different	different	ADJ
ajiss-357	264	21	instruments	instrument	NOUN
ajiss-357	264	22	.	.	PUNCT
ajiss-357	265	1	shari`ah	shari`ah	NOUN
ajiss-357	265	2	boards	board	NOUN
ajiss-357	265	3	,	,	PUNCT
ajiss-357	265	4	being	be	AUX
ajiss-357	265	5	the	the	DET
ajiss-357	265	6	custodians	custodian	NOUN
ajiss-357	265	7	and	and	CCONJ
ajiss-357	265	8	gate	gate	NOUN
ajiss-357	265	9	-	-	PUNCT
ajiss-357	265	10	keepers	keeper	NOUN
ajiss-357	265	11	of	of	ADP
ajiss-357	265	12	islamic	islamic	ADJ
ajiss-357	265	13	finance	finance	NOUN
ajiss-357	265	14	,	,	PUNCT
ajiss-357	265	15	should	should	AUX
ajiss-357	265	16	approve	approve	VERB
ajiss-357	265	17	and	and	CCONJ
ajiss-357	265	18	monitor	monitor	VERB
ajiss-357	265	19	islamic	islamic	ADJ
ajiss-357	265	20	products	product	NOUN
ajiss-357	265	21	in	in	ADP
ajiss-357	265	22	order	order	NOUN
ajiss-357	265	23	to	to	PART
ajiss-357	265	24	reduce	reduce	VERB
ajiss-357	265	25	the	the	DET
ajiss-357	265	26	associated	associated	ADJ
ajiss-357	265	27	risk	risk	NOUN
ajiss-357	265	28	,	,	PUNCT
ajiss-357	265	29	including	include	VERB
ajiss-357	265	30	sukuk	sukuk	NOUN
ajiss-357	265	31	,	,	PUNCT
ajiss-357	265	32	and	and	CCONJ
ajiss-357	265	33	provide	provide	VERB
ajiss-357	265	34	shari`ah	shari`ah	PROPN
ajiss-357	265	35	governance	governance	NOUN
ajiss-357	265	36	guidelines	guideline	NOUN
ajiss-357	265	37	to	to	PART
ajiss-357	265	38	reduce	reduce	VERB
ajiss-357	265	39	the	the	DET
ajiss-357	265	40	shari`ah	shari`ah	PROPN
ajiss-357	265	41	compliance	compliance	NOUN
ajiss-357	265	42	risk.57	risk.57	NOUN
ajiss-357	265	43	the	the	DET
ajiss-357	265	44	ifsb	ifsb	NOUN
ajiss-357	265	45	has	have	AUX
ajiss-357	265	46	published	publish	VERB
ajiss-357	265	47	various	various	ADJ
ajiss-357	265	48	guidelines	guideline	NOUN
ajiss-357	265	49	designed	design	VERB
ajiss-357	265	50	to	to	PART
ajiss-357	265	51	reduce	reduce	VERB
ajiss-357	265	52	such	such	ADJ
ajiss-357	265	53	risks	risk	NOUN
ajiss-357	265	54	.	.	PUNCT
ajiss-357	266	1	the	the	DET
ajiss-357	266	2	most	most	ADV
ajiss-357	266	3	recent	recent	ADJ
ajiss-357	266	4	guideline	guideline	NOUN
ajiss-357	266	5	,	,	PUNCT
ajiss-357	266	6	published	publish	VERB
ajiss-357	266	7	in	in	ADP
ajiss-357	266	8	2009	2009	NUM
ajiss-357	266	9	,	,	PUNCT
ajiss-357	266	10	deals	deal	NOUN
ajiss-357	266	11	with	with	ADP
ajiss-357	266	12	the	the	DET
ajiss-357	266	13	capital	capital	NOUN
ajiss-357	266	14	adequacy	adequacy	NOUN
ajiss-357	266	15	requirements	requirement	NOUN
ajiss-357	266	16	of	of	ADP
ajiss-357	266	17	sukuk	sukuk	NOUN
ajiss-357	266	18	,	,	PUNCT
ajiss-357	266	19	securitization	securitization	NOUN
ajiss-357	266	20	,	,	PUNCT
ajiss-357	266	21	and	and	CCONJ
ajiss-357	266	22	real	real	ADJ
ajiss-357	266	23	estate	estate	NOUN
ajiss-357	266	24	investments	investment	NOUN
ajiss-357	266	25	.	.	PUNCT
ajiss-357	267	1	hassan	hassan	PROPN
ajiss-357	267	2	and	and	CCONJ
ajiss-357	267	3	chowdhury	chowdhury	PROPN
ajiss-357	267	4	:	:	PUNCT
ajiss-357	267	5	islamic	islamic	ADJ
ajiss-357	267	6	banking	banking	NOUN
ajiss-357	267	7	regulations	regulation	NOUN
ajiss-357	267	8	95	95	NUM
ajiss-357	267	9	ajiss-27-1-final-obay.qxp	ajiss-27-1-final-obay.qxp	NOUN
ajiss-357	267	10	6/9/2010	6/9/2010	NOUN
ajiss-357	267	11	4:06	4:06	NUM
ajiss-357	267	12	pm	pm	NOUN
ajiss-357	267	13	page	page	NOUN
ajiss-357	267	14	95	95	NUM
ajiss-357	267	15	pdf	pdf	NOUN
ajiss-357	267	16	created	create	VERB
ajiss-357	267	17	with	with	ADP
ajiss-357	267	18	pdffactory	pdffactory	ADJ
ajiss-357	267	19	pro	pro	ADJ
ajiss-357	267	20	trial	trial	NOUN
ajiss-357	267	21	version	version	NOUN
ajiss-357	267	22	www.pdffactory.com	www.pdffactory.com	X
ajiss-357	267	23	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	267	24	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	268	1	concluding	conclude	VERB
ajiss-357	268	2	discussions	discussion	NOUN
ajiss-357	268	3	the	the	DET
ajiss-357	268	4	islamic	islamic	ADJ
ajiss-357	268	5	banking	banking	NOUN
ajiss-357	268	6	industry	industry	NOUN
ajiss-357	268	7	has	have	AUX
ajiss-357	268	8	grown	grow	VERB
ajiss-357	268	9	astronomically	astronomically	ADV
ajiss-357	268	10	over	over	ADP
ajiss-357	268	11	the	the	DET
ajiss-357	268	12	past	past	ADJ
ajiss-357	268	13	two	two	NUM
ajiss-357	268	14	decades	decade	NOUN
ajiss-357	268	15	and	and	CCONJ
ajiss-357	268	16	shows	show	VERB
ajiss-357	268	17	no	no	DET
ajiss-357	268	18	sign	sign	NOUN
ajiss-357	268	19	of	of	ADP
ajiss-357	268	20	slowing	slow	VERB
ajiss-357	268	21	down	down	ADP
ajiss-357	268	22	anytime	anytime	ADV
ajiss-357	268	23	soon	soon	ADV
ajiss-357	268	24	.	.	PUNCT
ajiss-357	269	1	as	as	SCONJ
ajiss-357	269	2	islamic	islamic	ADJ
ajiss-357	269	3	banks	bank	NOUN
ajiss-357	269	4	are	be	AUX
ajiss-357	269	5	taking	take	VERB
ajiss-357	269	6	shape	shape	NOUN
ajiss-357	269	7	in	in	ADP
ajiss-357	269	8	a	a	DET
ajiss-357	269	9	rapidly	rapidly	ADV
ajiss-357	269	10	changing	change	VERB
ajiss-357	269	11	financial	financial	ADJ
ajiss-357	269	12	environment	environment	NOUN
ajiss-357	269	13	with	with	ADP
ajiss-357	269	14	diverse	diverse	ADJ
ajiss-357	269	15	complications	complication	NOUN
ajiss-357	269	16	,	,	PUNCT
ajiss-357	269	17	stakeholders	stakeholder	NOUN
ajiss-357	269	18	should	should	AUX
ajiss-357	269	19	adopt	adopt	VERB
ajiss-357	269	20	an	an	DET
ajiss-357	269	21	active	active	ADJ
ajiss-357	269	22	and	and	CCONJ
ajiss-357	269	23	influential	influential	ADJ
ajiss-357	269	24	role	role	NOUN
ajiss-357	269	25	in	in	ADP
ajiss-357	269	26	molding	mold	VERB
ajiss-357	269	27	the	the	DET
ajiss-357	269	28	islamic	islamic	ADJ
ajiss-357	269	29	standard	standard	NOUN
ajiss-357	269	30	of	of	ADP
ajiss-357	269	31	banking	banking	NOUN
ajiss-357	269	32	business	business	NOUN
ajiss-357	269	33	.	.	PUNCT
ajiss-357	270	1	the	the	DET
ajiss-357	270	2	pressure	pressure	NOUN
ajiss-357	270	3	exerted	exert	VERB
ajiss-357	270	4	by	by	ADP
ajiss-357	270	5	cross	cross	ADJ
ajiss-357	270	6	-	-	ADJ
ajiss-357	270	7	border	border	ADJ
ajiss-357	270	8	operations	operation	NOUN
ajiss-357	270	9	and	and	CCONJ
ajiss-357	270	10	financial	financial	ADJ
ajiss-357	270	11	relationships	relationship	NOUN
ajiss-357	270	12	will	will	AUX
ajiss-357	270	13	ensure	ensure	VERB
ajiss-357	270	14	that	that	SCONJ
ajiss-357	270	15	the	the	DET
ajiss-357	270	16	basel	basel	PROPN
ajiss-357	270	17	ii	ii	PROPN
ajiss-357	270	18	regulations	regulation	NOUN
ajiss-357	270	19	will	will	AUX
ajiss-357	270	20	play	play	VERB
ajiss-357	270	21	a	a	DET
ajiss-357	270	22	focal	focal	ADJ
ajiss-357	270	23	role	role	NOUN
ajiss-357	270	24	as	as	ADP
ajiss-357	270	25	islamic	islamic	ADJ
ajiss-357	270	26	regulatory	regulatory	ADJ
ajiss-357	270	27	agencies	agency	NOUN
ajiss-357	270	28	(	(	PUNCT
ajiss-357	270	29	viz	viz	PROPN
ajiss-357	270	30	.	.	PROPN
ajiss-357	270	31	,	,	PUNCT
ajiss-357	270	32	the	the	DET
ajiss-357	270	33	ifsb	ifsb	NOUN
ajiss-357	270	34	,	,	PUNCT
ajiss-357	270	35	the	the	DET
ajiss-357	270	36	islamic	islamic	PROPN
ajiss-357	270	37	development	development	PROPN
ajiss-357	270	38	bank	bank	PROPN
ajiss-357	270	39	,	,	PUNCT
ajiss-357	270	40	the	the	DET
ajiss-357	270	41	aaoifi	aaoifi	NOUN
ajiss-357	270	42	,	,	PUNCT
ajiss-357	270	43	and	and	CCONJ
ajiss-357	270	44	the	the	DET
ajiss-357	270	45	organization	organization	NOUN
ajiss-357	270	46	of	of	ADP
ajiss-357	270	47	the	the	DET
ajiss-357	270	48	islamic	islamic	PROPN
ajiss-357	270	49	conference	conference	PROPN
ajiss-357	270	50	)	)	PUNCT
ajiss-357	270	51	gradually	gradually	ADV
ajiss-357	270	52	develop	develop	VERB
ajiss-357	270	53	guiding	guide	VERB
ajiss-357	270	54	principles	principle	NOUN
ajiss-357	270	55	suited	suit	VERB
ajiss-357	270	56	to	to	ADP
ajiss-357	270	57	islamic	islamic	ADJ
ajiss-357	270	58	banking	banking	NOUN
ajiss-357	270	59	.	.	PUNCT
ajiss-357	271	1	effective	effective	ADJ
ajiss-357	271	2	corporate	corporate	ADJ
ajiss-357	271	3	governance	governance	NOUN
ajiss-357	271	4	requires	require	VERB
ajiss-357	271	5	a	a	DET
ajiss-357	271	6	code	code	NOUN
ajiss-357	271	7	of	of	ADP
ajiss-357	271	8	islamic	islamic	ADJ
ajiss-357	271	9	ethics	ethic	NOUN
ajiss-357	271	10	to	to	PART
ajiss-357	271	11	which	which	PRON
ajiss-357	271	12	all	all	DET
ajiss-357	271	13	islamic	islamic	ADJ
ajiss-357	271	14	banks	bank	NOUN
ajiss-357	271	15	and	and	CCONJ
ajiss-357	271	16	financial	financial	ADJ
ajiss-357	271	17	institutions	institution	NOUN
ajiss-357	271	18	should	should	AUX
ajiss-357	271	19	adhere	adhere	VERB
ajiss-357	271	20	,	,	PUNCT
ajiss-357	271	21	especially	especially	ADV
ajiss-357	271	22	when	when	SCONJ
ajiss-357	271	23	dealing	deal	VERB
ajiss-357	271	24	with	with	ADP
ajiss-357	271	25	complex	complex	ADJ
ajiss-357	271	26	financial	financial	ADJ
ajiss-357	271	27	innovations	innovation	NOUN
ajiss-357	271	28	.	.	PUNCT
ajiss-357	272	1	the	the	DET
ajiss-357	272	2	governance	governance	NOUN
ajiss-357	272	3	mechanism	mechanism	NOUN
ajiss-357	272	4	should	should	AUX
ajiss-357	272	5	lay	lay	VERB
ajiss-357	272	6	a	a	DET
ajiss-357	272	7	firm	firm	ADJ
ajiss-357	272	8	foundation	foundation	NOUN
ajiss-357	272	9	for	for	ADP
ajiss-357	272	10	an	an	DET
ajiss-357	272	11	ethical	ethical	ADJ
ajiss-357	272	12	and	and	CCONJ
ajiss-357	272	13	social	social	ADJ
ajiss-357	272	14	enterprise	enterprise	NOUN
ajiss-357	272	15	to	to	PART
ajiss-357	272	16	handle	handle	VERB
ajiss-357	272	17	property	property	NOUN
ajiss-357	272	18	rights	right	NOUN
ajiss-357	272	19	and	and	CCONJ
ajiss-357	272	20	the	the	DET
ajiss-357	272	21	challenging	challenging	ADJ
ajiss-357	272	22	task	task	NOUN
ajiss-357	272	23	of	of	ADP
ajiss-357	272	24	devising	devise	VERB
ajiss-357	272	25	effective	effective	ADJ
ajiss-357	272	26	risk	risk	NOUN
ajiss-357	272	27	management	management	NOUN
ajiss-357	272	28	procedures	procedure	NOUN
ajiss-357	272	29	for	for	ADP
ajiss-357	272	30	all	all	DET
ajiss-357	272	31	types	type	NOUN
ajiss-357	272	32	of	of	ADP
ajiss-357	272	33	islamic	islamic	ADJ
ajiss-357	272	34	financial	financial	ADJ
ajiss-357	272	35	products	product	NOUN
ajiss-357	272	36	.	.	PUNCT
ajiss-357	273	1	internal	internal	ADJ
ajiss-357	273	2	and	and	CCONJ
ajiss-357	273	3	external	external	ADJ
ajiss-357	273	4	resources	resource	NOUN
ajiss-357	273	5	should	should	AUX
ajiss-357	273	6	be	be	AUX
ajiss-357	273	7	set	set	VERB
ajiss-357	273	8	aside	aside	ADV
ajiss-357	273	9	to	to	PART
ajiss-357	273	10	ensure	ensure	VERB
ajiss-357	273	11	that	that	SCONJ
ajiss-357	273	12	the	the	DET
ajiss-357	273	13	regulators	regulator	NOUN
ajiss-357	273	14	control	control	VERB
ajiss-357	273	15	and	and	CCONJ
ajiss-357	273	16	update	update	VERB
ajiss-357	273	17	the	the	DET
ajiss-357	273	18	resulting	result	VERB
ajiss-357	273	19	code	code	NOUN
ajiss-357	273	20	of	of	ADP
ajiss-357	273	21	ethics	ethic	NOUN
ajiss-357	273	22	.	.	PUNCT
ajiss-357	274	1	in	in	ADP
ajiss-357	274	2	islamic	islamic	ADJ
ajiss-357	274	3	banking	banking	NOUN
ajiss-357	274	4	,	,	PUNCT
ajiss-357	274	5	transparency	transparency	NOUN
ajiss-357	274	6	in	in	ADP
ajiss-357	274	7	risk	risk	NOUN
ajiss-357	274	8	management	management	NOUN
ajiss-357	274	9	and	and	CCONJ
ajiss-357	274	10	the	the	DET
ajiss-357	274	11	bank	bank	NOUN
ajiss-357	274	12	’s	’s	PART
ajiss-357	274	13	underlying	underlie	VERB
ajiss-357	274	14	soundness	soundness	NOUN
ajiss-357	274	15	,	,	PUNCT
ajiss-357	274	16	particularly	particularly	ADV
ajiss-357	274	17	to	to	ADP
ajiss-357	274	18	investment	investment	NOUN
ajiss-357	274	19	account	account	NOUN
ajiss-357	274	20	holders	holder	NOUN
ajiss-357	274	21	,	,	PUNCT
ajiss-357	274	22	plays	play	VERB
ajiss-357	274	23	a	a	DET
ajiss-357	274	24	central	central	ADJ
ajiss-357	274	25	role	role	NOUN
ajiss-357	274	26	in	in	ADP
ajiss-357	274	27	bolstering	bolster	VERB
ajiss-357	274	28	participant	participant	ADJ
ajiss-357	274	29	confidence	confidence	NOUN
ajiss-357	274	30	.	.	PUNCT
ajiss-357	275	1	depositors	depositor	NOUN
ajiss-357	275	2	and	and	CCONJ
ajiss-357	275	3	markets	market	NOUN
ajiss-357	275	4	have	have	VERB
ajiss-357	275	5	a	a	DET
ajiss-357	275	6	direct	direct	ADJ
ajiss-357	275	7	interest	interest	NOUN
ajiss-357	275	8	in	in	ADP
ajiss-357	275	9	the	the	DET
ajiss-357	275	10	portfolio	portfolio	NOUN
ajiss-357	275	11	risks	risk	NOUN
ajiss-357	275	12	,	,	PUNCT
ajiss-357	275	13	since	since	SCONJ
ajiss-357	275	14	these	these	PRON
ajiss-357	275	15	affect	affect	VERB
ajiss-357	275	16	depositors	depositor	NOUN
ajiss-357	275	17	’	’	PART
ajiss-357	275	18	returns	return	NOUN
ajiss-357	275	19	and	and	CCONJ
ajiss-357	275	20	help	help	VERB
ajiss-357	275	21	them	they	PRON
ajiss-357	275	22	understand	understand	VERB
ajiss-357	275	23	the	the	DET
ajiss-357	275	24	institution	institution	NOUN
ajiss-357	275	25	’s	’s	PART
ajiss-357	275	26	operations	operation	NOUN
ajiss-357	275	27	.	.	PUNCT
ajiss-357	276	1	accounting	accounting	NOUN
ajiss-357	276	2	disclosure	disclosure	NOUN
ajiss-357	276	3	should	should	AUX
ajiss-357	276	4	detail	detail	VERB
ajiss-357	276	5	information	information	NOUN
ajiss-357	276	6	regarding	regard	VERB
ajiss-357	276	7	any	any	DET
ajiss-357	276	8	risk	risk	NOUN
ajiss-357	276	9	faced	face	VERB
ajiss-357	276	10	by	by	ADP
ajiss-357	276	11	stakeholders	stakeholder	NOUN
ajiss-357	276	12	and	and	CCONJ
ajiss-357	276	13	the	the	DET
ajiss-357	276	14	mechanisms	mechanism	NOUN
ajiss-357	276	15	for	for	ADP
ajiss-357	276	16	mitigating	mitigate	VERB
ajiss-357	276	17	such	such	ADJ
ajiss-357	276	18	risk	risk	NOUN
ajiss-357	276	19	.	.	PUNCT
ajiss-357	277	1	therefore	therefore	ADV
ajiss-357	277	2	,	,	PUNCT
ajiss-357	277	3	stakeholders	stakeholder	NOUN
ajiss-357	277	4	in	in	ADP
ajiss-357	277	5	islamic	islamic	ADJ
ajiss-357	277	6	banks	bank	NOUN
ajiss-357	277	7	should	should	AUX
ajiss-357	277	8	engage	engage	VERB
ajiss-357	277	9	in	in	ADP
ajiss-357	277	10	financial	financial	ADJ
ajiss-357	277	11	dealings	dealing	NOUN
ajiss-357	277	12	in	in	ADP
ajiss-357	277	13	line	line	NOUN
ajiss-357	277	14	with	with	ADP
ajiss-357	277	15	the	the	DET
ajiss-357	277	16	shari`ah	shari`ah	PROPN
ajiss-357	277	17	’s	’s	PART
ajiss-357	277	18	tenets	tenet	NOUN
ajiss-357	277	19	.	.	PUNCT
ajiss-357	278	1	prudential	prudential	ADJ
ajiss-357	278	2	regulations	regulation	NOUN
ajiss-357	278	3	and	and	CCONJ
ajiss-357	278	4	supervision	supervision	NOUN
ajiss-357	278	5	,	,	PUNCT
ajiss-357	278	6	internal	internal	ADJ
ajiss-357	278	7	controls	control	NOUN
ajiss-357	278	8	,	,	PUNCT
ajiss-357	278	9	risk	risk	NOUN
ajiss-357	278	10	management	management	NOUN
ajiss-357	278	11	,	,	PUNCT
ajiss-357	278	12	and	and	CCONJ
ajiss-357	278	13	external	external	ADJ
ajiss-357	278	14	audits	audits	NOUN
ajiss-357	278	15	of	of	ADP
ajiss-357	278	16	islamic	islamic	ADJ
ajiss-357	278	17	banks	bank	NOUN
ajiss-357	278	18	are	be	AUX
ajiss-357	278	19	daunting	daunt	VERB
ajiss-357	278	20	challenges	challenge	NOUN
ajiss-357	278	21	to	to	ADP
ajiss-357	278	22	the	the	DET
ajiss-357	278	23	islamic	islamic	ADJ
ajiss-357	278	24	financial	financial	ADJ
ajiss-357	278	25	system	system	NOUN
ajiss-357	278	26	’s	’s	PART
ajiss-357	278	27	continued	continue	VERB
ajiss-357	278	28	growth	growth	NOUN
ajiss-357	278	29	.	.	PUNCT
ajiss-357	279	1	all	all	PRON
ajiss-357	279	2	of	of	ADP
ajiss-357	279	3	these	these	DET
ajiss-357	279	4	management	management	NOUN
ajiss-357	279	5	paradigms	paradigm	NOUN
ajiss-357	279	6	are	be	AUX
ajiss-357	279	7	vital	vital	ADJ
ajiss-357	279	8	,	,	PUNCT
ajiss-357	279	9	due	due	ADP
ajiss-357	279	10	to	to	ADP
ajiss-357	279	11	the	the	DET
ajiss-357	279	12	atypical	atypical	ADJ
ajiss-357	279	13	nature	nature	NOUN
ajiss-357	279	14	of	of	ADP
ajiss-357	279	15	deposits	deposit	NOUN
ajiss-357	279	16	,	,	PUNCT
ajiss-357	279	17	modes	mode	NOUN
ajiss-357	279	18	of	of	ADP
ajiss-357	279	19	financing	financing	NOUN
ajiss-357	279	20	,	,	PUNCT
ajiss-357	279	21	the	the	DET
ajiss-357	279	22	need	need	NOUN
ajiss-357	279	23	to	to	PART
ajiss-357	279	24	strictly	strictly	ADV
ajiss-357	279	25	comply	comply	VERB
ajiss-357	279	26	with	with	ADP
ajiss-357	279	27	the	the	DET
ajiss-357	279	28	shari`ah	shari`ah	PROPN
ajiss-357	279	29	,	,	PUNCT
ajiss-357	279	30	exigent	exigent	ADJ
ajiss-357	279	31	calls	call	NOUN
ajiss-357	279	32	to	to	PART
ajiss-357	279	33	stem	stem	VERB
ajiss-357	279	34	a	a	DET
ajiss-357	279	35	possible	possible	ADJ
ajiss-357	279	36	systemic	systemic	ADJ
ajiss-357	279	37	crisis	crisis	NOUN
ajiss-357	279	38	,	,	PUNCT
ajiss-357	279	39	and	and	CCONJ
ajiss-357	279	40	the	the	DET
ajiss-357	279	41	all	all	ADV
ajiss-357	279	42	-	-	PUNCT
ajiss-357	279	43	important	important	ADJ
ajiss-357	279	44	aspect	aspect	NOUN
ajiss-357	279	45	of	of	ADP
ajiss-357	279	46	maintaining	maintain	VERB
ajiss-357	279	47	the	the	DET
ajiss-357	279	48	system	system	NOUN
ajiss-357	279	49	’s	’s	PART
ajiss-357	279	50	credibility	credibility	NOUN
ajiss-357	279	51	and	and	CCONJ
ajiss-357	279	52	stability	stability	NOUN
ajiss-357	279	53	.	.	PUNCT
ajiss-357	280	1	if	if	SCONJ
ajiss-357	280	2	the	the	DET
ajiss-357	280	3	islamic	islamic	ADJ
ajiss-357	280	4	banking	banking	NOUN
ajiss-357	280	5	system	system	NOUN
ajiss-357	280	6	is	be	AUX
ajiss-357	280	7	to	to	PART
ajiss-357	280	8	survive	survive	VERB
ajiss-357	280	9	in	in	ADP
ajiss-357	280	10	a	a	DET
ajiss-357	280	11	competitive	competitive	ADJ
ajiss-357	280	12	market	market	NOUN
ajiss-357	280	13	alongside	alongside	ADP
ajiss-357	280	14	cfis	cfis	PROPN
ajiss-357	280	15	,	,	PUNCT
ajiss-357	280	16	it	it	PRON
ajiss-357	280	17	needs	need	VERB
ajiss-357	280	18	to	to	PART
ajiss-357	280	19	differentiate	differentiate	VERB
ajiss-357	280	20	itself	itself	PRON
ajiss-357	280	21	by	by	ADP
ajiss-357	280	22	promoting	promote	VERB
ajiss-357	280	23	(	(	PUNCT
ajiss-357	280	24	in	in	ADP
ajiss-357	280	25	the	the	DET
ajiss-357	280	26	nonislamic	nonislamic	ADJ
ajiss-357	280	27	world	world	NOUN
ajiss-357	280	28	)	)	PUNCT
ajiss-357	280	29	a	a	DET
ajiss-357	280	30	modified	modify	VERB
ajiss-357	280	31	approach	approach	NOUN
ajiss-357	280	32	to	to	ADP
ajiss-357	280	33	bank	bank	NOUN
ajiss-357	280	34	capital	capital	NOUN
ajiss-357	280	35	adequacy	adequacy	NOUN
ajiss-357	280	36	assessment	assessment	NOUN
ajiss-357	280	37	that	that	PRON
ajiss-357	280	38	outlines	outline	VERB
ajiss-357	280	39	the	the	DET
ajiss-357	280	40	distinctive	distinctive	ADJ
ajiss-357	280	41	features	feature	NOUN
ajiss-357	280	42	of	of	ADP
ajiss-357	280	43	its	its	PRON
ajiss-357	280	44	members	member	NOUN
ajiss-357	280	45	’	'	PUNCT
ajiss-357	280	46	activities	activity	NOUN
ajiss-357	280	47	and	and	CCONJ
ajiss-357	280	48	balance	balance	NOUN
ajiss-357	280	49	sheets	sheet	NOUN
ajiss-357	280	50	,	,	PUNCT
ajiss-357	280	51	minimum	minimum	ADJ
ajiss-357	280	52	financial	financial	ADJ
ajiss-357	280	53	participation	participation	NOUN
ajiss-357	280	54	requirements	requirement	NOUN
ajiss-357	280	55	vis	vis	X
ajiss-357	280	56	-	-	ADJ
ajiss-357	280	57	à	à	X
ajiss-357	280	58	-	-	PUNCT
ajiss-357	280	59	vis	vis	X
ajiss-357	280	60	depositors	depositor	NOUN
ajiss-357	280	61	to	to	ADP
ajiss-357	280	62	96	96	NUM
ajiss-357	280	63	the	the	DET
ajiss-357	280	64	american	american	PROPN
ajiss-357	280	65	journal	journal	PROPN
ajiss-357	280	66	of	of	ADP
ajiss-357	280	67	islamic	islamic	ADJ
ajiss-357	280	68	social	social	PROPN
ajiss-357	280	69	sciences	sciences	PROPN
ajiss-357	280	70	27:1	27:1	NUM
ajiss-357	280	71	ajiss-27-1-final-obay.qxp	ajiss-27-1-final-obay.qxp	PROPN
ajiss-357	280	72	6/9/2010	6/9/2010	NUM
ajiss-357	280	73	4:06	4:06	NUM
ajiss-357	280	74	pm	pm	NOUN
ajiss-357	280	75	page	page	NOUN
ajiss-357	280	76	96	96	NUM
ajiss-357	280	77	pdf	pdf	NOUN
ajiss-357	280	78	created	create	VERB
ajiss-357	280	79	with	with	ADP
ajiss-357	280	80	pdffactory	pdffactory	ADJ
ajiss-357	280	81	pro	pro	ADJ
ajiss-357	280	82	trial	trial	NOUN
ajiss-357	280	83	version	version	NOUN
ajiss-357	280	84	www.pdffactory.com	www.pdffactory.com	X
ajiss-357	280	85	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	280	86	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	281	1	improve	improve	VERB
ajiss-357	281	2	the	the	DET
ajiss-357	281	3	quality	quality	NOUN
ajiss-357	281	4	of	of	ADP
ajiss-357	281	5	pls	pls	NOUN
ajiss-357	281	6	contracts	contract	NOUN
ajiss-357	281	7	,	,	PUNCT
ajiss-357	281	8	and	and	CCONJ
ajiss-357	281	9	introduce	introduce	VERB
ajiss-357	281	10	measures	measure	NOUN
ajiss-357	281	11	designed	design	VERB
ajiss-357	281	12	to	to	PART
ajiss-357	281	13	ensure	ensure	VERB
ajiss-357	281	14	the	the	DET
ajiss-357	281	15	prudent	prudent	ADJ
ajiss-357	281	16	mix	mix	NOUN
ajiss-357	281	17	of	of	ADP
ajiss-357	281	18	pls	pls	NOUN
ajiss-357	281	19	and	and	CCONJ
ajiss-357	281	20	non	non	ADJ
ajiss-357	281	21	-	-	ADJ
ajiss-357	281	22	pls	pls	ADJ
ajiss-357	281	23	assets	asset	NOUN
ajiss-357	281	24	and	and	CCONJ
ajiss-357	281	25	liabilities	liability	NOUN
ajiss-357	281	26	and	and	CCONJ
ajiss-357	281	27	risksharing	riskshare	VERB
ajiss-357	281	28	between	between	ADP
ajiss-357	281	29	banks	bank	NOUN
ajiss-357	281	30	and	and	CCONJ
ajiss-357	281	31	investment	investment	NOUN
ajiss-357	281	32	depositors.58	depositors.58	NOUN
ajiss-357	281	33	this	this	DET
ajiss-357	281	34	risk	risk	NOUN
ajiss-357	281	35	assessment	assessment	NOUN
ajiss-357	281	36	framework	framework	NOUN
ajiss-357	281	37	should	should	AUX
ajiss-357	281	38	be	be	AUX
ajiss-357	281	39	based	base	VERB
ajiss-357	281	40	on	on	ADP
ajiss-357	281	41	the	the	DET
ajiss-357	281	42	standardized	standardized	ADJ
ajiss-357	281	43	approach	approach	NOUN
ajiss-357	281	44	envisaged	envisage	VERB
ajiss-357	281	45	in	in	ADP
ajiss-357	281	46	basel	basel	PROPN
ajiss-357	281	47	ii	ii	PROPN
ajiss-357	281	48	to	to	PART
ajiss-357	281	49	promulgate	promulgate	VERB
ajiss-357	281	50	the	the	DET
ajiss-357	281	51	islamic	islamic	ADJ
ajiss-357	281	52	financial	financial	ADJ
ajiss-357	281	53	system	system	NOUN
ajiss-357	281	54	’s	’s	PART
ajiss-357	281	55	basic	basic	ADJ
ajiss-357	281	56	safety	safety	NOUN
ajiss-357	281	57	and	and	CCONJ
ajiss-357	281	58	soundness	soundness	NOUN
ajiss-357	281	59	.	.	PUNCT
ajiss-357	282	1	adopting	adopt	VERB
ajiss-357	282	2	the	the	DET
ajiss-357	282	3	irb	irb	NOUN
ajiss-357	282	4	approach	approach	NOUN
ajiss-357	282	5	would	would	AUX
ajiss-357	282	6	be	be	AUX
ajiss-357	282	7	justified	justify	VERB
ajiss-357	282	8	if	if	SCONJ
ajiss-357	282	9	it	it	PRON
ajiss-357	282	10	reduces	reduce	VERB
ajiss-357	282	11	compliance	compliance	NOUN
ajiss-357	282	12	costs	cost	NOUN
ajiss-357	282	13	,	,	PUNCT
ajiss-357	282	14	lowers	lower	VERB
ajiss-357	282	15	capital	capital	NOUN
ajiss-357	282	16	requirements	requirement	NOUN
ajiss-357	282	17	under	under	ADP
ajiss-357	282	18	basel	basel	PROPN
ajiss-357	282	19	ii	ii	PROPN
ajiss-357	282	20	,	,	PUNCT
ajiss-357	282	21	and	and	CCONJ
ajiss-357	282	22	fortifies	fortify	VERB
ajiss-357	282	23	the	the	DET
ajiss-357	282	24	risk	risk	NOUN
ajiss-357	282	25	management	management	NOUN
ajiss-357	282	26	practices	practice	NOUN
ajiss-357	282	27	of	of	ADP
ajiss-357	282	28	islamic	islamic	ADJ
ajiss-357	282	29	banks	bank	NOUN
ajiss-357	282	30	.	.	PUNCT
ajiss-357	283	1	the	the	DET
ajiss-357	283	2	supervisory	supervisory	ADJ
ajiss-357	283	3	review	review	NOUN
ajiss-357	283	4	process	process	NOUN
ajiss-357	283	5	,	,	PUNCT
ajiss-357	283	6	as	as	SCONJ
ajiss-357	283	7	stated	state	VERB
ajiss-357	283	8	under	under	ADP
ajiss-357	283	9	pillar	pillar	NOUN
ajiss-357	283	10	ii	ii	PROPN
ajiss-357	283	11	of	of	ADP
ajiss-357	283	12	basel	basel	PROPN
ajiss-357	283	13	ii	ii	PROPN
ajiss-357	283	14	,	,	PUNCT
ajiss-357	283	15	may	may	AUX
ajiss-357	283	16	be	be	AUX
ajiss-357	283	17	acceptable	acceptable	ADJ
ajiss-357	283	18	as	as	ADP
ajiss-357	283	19	a	a	DET
ajiss-357	283	20	stop	stop	NOUN
ajiss-357	283	21	-	-	PUNCT
ajiss-357	283	22	gap	gap	NOUN
ajiss-357	283	23	measure	measure	NOUN
ajiss-357	283	24	employed	employ	VERB
ajiss-357	283	25	to	to	PART
ajiss-357	283	26	advance	advance	VERB
ajiss-357	283	27	efficiency	efficiency	NOUN
ajiss-357	283	28	in	in	ADP
ajiss-357	283	29	islamic	islamic	ADJ
ajiss-357	283	30	banking	banking	NOUN
ajiss-357	283	31	supervision	supervision	NOUN
ajiss-357	283	32	while	while	SCONJ
ajiss-357	283	33	developing	develop	VERB
ajiss-357	283	34	supervisory	supervisory	ADJ
ajiss-357	283	35	mechanisms	mechanism	NOUN
ajiss-357	283	36	that	that	PRON
ajiss-357	283	37	adhere	adhere	VERB
ajiss-357	283	38	to	to	ADP
ajiss-357	283	39	the	the	DET
ajiss-357	283	40	shari`ah	shari`ah	PROPN
ajiss-357	283	41	.	.	PUNCT
ajiss-357	283	42	glossary	glossary	NOUN
ajiss-357	283	43	of	of	ADP
ajiss-357	283	44	terms59	terms59	ADJ
ajiss-357	283	45	murabahah	murabahah	PROPN
ajiss-357	283	46	:	:	PUNCT
ajiss-357	283	47	a	a	DET
ajiss-357	283	48	murabahah	murabahah	NOUN
ajiss-357	283	49	contract	contract	NOUN
ajiss-357	283	50	refers	refer	VERB
ajiss-357	283	51	to	to	ADP
ajiss-357	283	52	a	a	DET
ajiss-357	283	53	sale	sale	NOUN
ajiss-357	283	54	contract	contract	NOUN
ajiss-357	283	55	whereby	whereby	SCONJ
ajiss-357	283	56	the	the	DET
ajiss-357	283	57	iifs	iif	NOUN
ajiss-357	283	58	sell	sell	VERB
ajiss-357	283	59	to	to	ADP
ajiss-357	283	60	a	a	DET
ajiss-357	283	61	customer	customer	NOUN
ajiss-357	283	62	at	at	ADP
ajiss-357	283	63	an	an	DET
ajiss-357	283	64	agreed	agree	VERB
ajiss-357	283	65	profit	profit	NOUN
ajiss-357	283	66	margin	margin	NOUN
ajiss-357	283	67	plus	plus	CCONJ
ajiss-357	283	68	cost	cost	NOUN
ajiss-357	283	69	(	(	PUNCT
ajiss-357	283	70	selling	sell	VERB
ajiss-357	283	71	price	price	NOUN
ajiss-357	283	72	)	)	PUNCT
ajiss-357	283	73	,	,	PUNCT
ajiss-357	283	74	a	a	DET
ajiss-357	283	75	specified	specified	ADJ
ajiss-357	283	76	kind	kind	NOUN
ajiss-357	283	77	of	of	ADP
ajiss-357	283	78	asset	asset	NOUN
ajiss-357	283	79	that	that	PRON
ajiss-357	283	80	is	be	AUX
ajiss-357	283	81	already	already	ADV
ajiss-357	283	82	in	in	ADP
ajiss-357	283	83	their	their	PRON
ajiss-357	283	84	possession	possession	NOUN
ajiss-357	283	85	.	.	PUNCT
ajiss-357	284	1	mudarabah	mudarabah	NOUN
ajiss-357	284	2	:	:	PUNCT
ajiss-357	284	3	a	a	DET
ajiss-357	284	4	mudarabah	mudarabah	NOUN
ajiss-357	284	5	is	be	AUX
ajiss-357	284	6	a	a	DET
ajiss-357	284	7	contract	contract	NOUN
ajiss-357	284	8	between	between	ADP
ajiss-357	284	9	the	the	DET
ajiss-357	284	10	capital	capital	NOUN
ajiss-357	284	11	provider	provider	NOUN
ajiss-357	284	12	and	and	CCONJ
ajiss-357	284	13	a	a	DET
ajiss-357	284	14	skilled	skilled	ADJ
ajiss-357	284	15	entrepreneur	entrepreneur	NOUN
ajiss-357	284	16	whereby	whereby	SCONJ
ajiss-357	284	17	the	the	DET
ajiss-357	284	18	capital	capital	NOUN
ajiss-357	284	19	provider	provider	NOUN
ajiss-357	284	20	would	would	AUX
ajiss-357	284	21	contribute	contribute	VERB
ajiss-357	284	22	capital	capital	NOUN
ajiss-357	284	23	to	to	ADP
ajiss-357	284	24	an	an	DET
ajiss-357	284	25	enterprise	enterprise	NOUN
ajiss-357	284	26	or	or	CCONJ
ajiss-357	284	27	activity	activity	NOUN
ajiss-357	284	28	,	,	PUNCT
ajiss-357	284	29	which	which	PRON
ajiss-357	284	30	is	be	AUX
ajiss-357	284	31	to	to	PART
ajiss-357	284	32	be	be	AUX
ajiss-357	284	33	managed	manage	VERB
ajiss-357	284	34	,	,	PUNCT
ajiss-357	284	35	by	by	ADP
ajiss-357	284	36	the	the	DET
ajiss-357	284	37	entrepreneur	entrepreneur	NOUN
ajiss-357	284	38	as	as	ADP
ajiss-357	284	39	the	the	DET
ajiss-357	284	40	mudarib	mudarib	NOUN
ajiss-357	284	41	(	(	PUNCT
ajiss-357	284	42	or	or	CCONJ
ajiss-357	284	43	labor	labor	NOUN
ajiss-357	284	44	provider	provider	NOUN
ajiss-357	284	45	)	)	PUNCT
ajiss-357	284	46	.	.	PUNCT
ajiss-357	285	1	profits	profit	NOUN
ajiss-357	285	2	generated	generate	VERB
ajiss-357	285	3	by	by	ADP
ajiss-357	285	4	that	that	DET
ajiss-357	285	5	enterprise	enterprise	NOUN
ajiss-357	285	6	or	or	CCONJ
ajiss-357	285	7	activity	activity	NOUN
ajiss-357	285	8	are	be	AUX
ajiss-357	285	9	shared	share	VERB
ajiss-357	285	10	in	in	ADP
ajiss-357	285	11	accordance	accordance	NOUN
ajiss-357	285	12	with	with	ADP
ajiss-357	285	13	the	the	DET
ajiss-357	285	14	terms	term	NOUN
ajiss-357	285	15	of	of	ADP
ajiss-357	285	16	the	the	DET
ajiss-357	285	17	mudarabah	mudarabah	NOUN
ajiss-357	285	18	agreement	agreement	NOUN
ajiss-357	285	19	whilst	whilst	SCONJ
ajiss-357	285	20	losses	loss	NOUN
ajiss-357	285	21	are	be	AUX
ajiss-357	285	22	to	to	PART
ajiss-357	285	23	borne	borne	VERB
ajiss-357	285	24	solely	solely	ADV
ajiss-357	285	25	by	by	ADP
ajiss-357	285	26	the	the	DET
ajiss-357	285	27	capital	capital	NOUN
ajiss-357	285	28	provider	provider	NOUN
ajiss-357	285	29	unless	unless	SCONJ
ajiss-357	285	30	the	the	DET
ajiss-357	285	31	losses	loss	NOUN
ajiss-357	285	32	are	be	AUX
ajiss-357	285	33	due	due	ADJ
ajiss-357	285	34	to	to	ADP
ajiss-357	285	35	the	the	DET
ajiss-357	285	36	mudarib	mudarib	NOUN
ajiss-357	285	37	’s	’s	PART
ajiss-357	285	38	misconduct	misconduct	NOUN
ajiss-357	285	39	,	,	PUNCT
ajiss-357	285	40	negligence	negligence	NOUN
ajiss-357	285	41	or	or	CCONJ
ajiss-357	285	42	breach	breach	NOUN
ajiss-357	285	43	of	of	ADP
ajiss-357	285	44	contracted	contract	VERB
ajiss-357	285	45	terms	term	NOUN
ajiss-357	285	46	.	.	PUNCT
ajiss-357	286	1	musharakah	musharakah	PROPN
ajiss-357	286	2	:	:	PUNCT
ajiss-357	286	3	a	a	DET
ajiss-357	286	4	musharakah	musharakah	NOUN
ajiss-357	286	5	is	be	AUX
ajiss-357	286	6	a	a	DET
ajiss-357	286	7	contract	contract	NOUN
ajiss-357	286	8	between	between	ADP
ajiss-357	286	9	the	the	DET
ajiss-357	286	10	iifs	iif	NOUN
ajiss-357	286	11	and	and	CCONJ
ajiss-357	286	12	a	a	DET
ajiss-357	286	13	customer	customer	NOUN
ajiss-357	286	14	to	to	PART
ajiss-357	286	15	contribute	contribute	VERB
ajiss-357	286	16	capital	capital	NOUN
ajiss-357	286	17	to	to	ADP
ajiss-357	286	18	an	an	DET
ajiss-357	286	19	enterprise	enterprise	NOUN
ajiss-357	286	20	,	,	PUNCT
ajiss-357	286	21	whether	whether	SCONJ
ajiss-357	286	22	existing	exist	VERB
ajiss-357	286	23	or	or	CCONJ
ajiss-357	286	24	new	new	ADJ
ajiss-357	286	25	,	,	PUNCT
ajiss-357	286	26	or	or	CCONJ
ajiss-357	286	27	to	to	ADP
ajiss-357	286	28	ownership	ownership	NOUN
ajiss-357	286	29	of	of	ADP
ajiss-357	286	30	a	a	DET
ajiss-357	286	31	real	real	ADJ
ajiss-357	286	32	estate	estate	NOUN
ajiss-357	286	33	or	or	CCONJ
ajiss-357	286	34	moveable	moveable	ADJ
ajiss-357	286	35	asset	asset	NOUN
ajiss-357	286	36	,	,	PUNCT
ajiss-357	286	37	either	either	CCONJ
ajiss-357	286	38	on	on	ADP
ajiss-357	286	39	a	a	DET
ajiss-357	286	40	temporary	temporary	ADJ
ajiss-357	286	41	or	or	CCONJ
ajiss-357	286	42	permanent	permanent	ADJ
ajiss-357	286	43	basis	basis	NOUN
ajiss-357	286	44	.	.	PUNCT
ajiss-357	287	1	profits	profit	NOUN
ajiss-357	287	2	generated	generate	VERB
ajiss-357	287	3	by	by	ADP
ajiss-357	287	4	that	that	DET
ajiss-357	287	5	enterprise	enterprise	NOUN
ajiss-357	287	6	or	or	CCONJ
ajiss-357	287	7	real	real	ADJ
ajiss-357	287	8	estate	estate	NOUN
ajiss-357	287	9	/	/	SYM
ajiss-357	287	10	asset	asset	NOUN
ajiss-357	287	11	are	be	AUX
ajiss-357	287	12	shared	share	VERB
ajiss-357	287	13	in	in	ADP
ajiss-357	287	14	accordance	accordance	NOUN
ajiss-357	287	15	with	with	ADP
ajiss-357	287	16	the	the	DET
ajiss-357	287	17	terms	term	NOUN
ajiss-357	287	18	of	of	ADP
ajiss-357	287	19	musharakah	musharakah	PROPN
ajiss-357	287	20	agreement	agreement	NOUN
ajiss-357	287	21	whilst	whilst	SCONJ
ajiss-357	287	22	losses	loss	NOUN
ajiss-357	287	23	are	be	AUX
ajiss-357	287	24	shared	share	VERB
ajiss-357	287	25	in	in	ADP
ajiss-357	287	26	proportion	proportion	NOUN
ajiss-357	287	27	to	to	ADP
ajiss-357	287	28	each	each	DET
ajiss-357	287	29	partner	partner	NOUN
ajiss-357	287	30	’s	’s	PART
ajiss-357	287	31	share	share	NOUN
ajiss-357	287	32	of	of	ADP
ajiss-357	287	33	capital	capital	NOUN
ajiss-357	287	34	.	.	PUNCT
ajiss-357	288	1	ijarah	ijarah	PROPN
ajiss-357	288	2	:	:	PUNCT
ajiss-357	288	3	an	an	DET
ajiss-357	288	4	ijarah	ijarah	NOUN
ajiss-357	288	5	contract	contract	NOUN
ajiss-357	288	6	refers	refer	VERB
ajiss-357	288	7	to	to	ADP
ajiss-357	288	8	an	an	DET
ajiss-357	288	9	agreement	agreement	NOUN
ajiss-357	288	10	made	make	VERB
ajiss-357	288	11	by	by	ADP
ajiss-357	288	12	an	an	DET
ajiss-357	288	13	institutions	institution	NOUN
ajiss-357	288	14	offering	offer	VERB
ajiss-357	288	15	only	only	ADV
ajiss-357	288	16	islamic	islamic	ADJ
ajiss-357	288	17	financial	financial	ADJ
ajiss-357	288	18	services	service	NOUN
ajiss-357	288	19	(	(	PUNCT
ajiss-357	288	20	iifs	iif	NOUN
ajiss-357	288	21	)	)	PUNCT
ajiss-357	288	22	to	to	PART
ajiss-357	288	23	lease	lease	VERB
ajiss-357	288	24	to	to	ADP
ajiss-357	288	25	a	a	DET
ajiss-357	288	26	customer	customer	NOUN
ajiss-357	288	27	an	an	DET
ajiss-357	288	28	asset	asset	NOUN
ajiss-357	288	29	specified	specify	VERB
ajiss-357	288	30	by	by	ADP
ajiss-357	288	31	the	the	DET
ajiss-357	288	32	customer	customer	NOUN
ajiss-357	288	33	for	for	ADP
ajiss-357	288	34	an	an	DET
ajiss-357	288	35	agreed	agree	VERB
ajiss-357	288	36	period	period	NOUN
ajiss-357	288	37	against	against	ADP
ajiss-357	288	38	specified	specify	VERB
ajiss-357	288	39	installments	installment	NOUN
ajiss-357	288	40	of	of	ADP
ajiss-357	288	41	lease	lease	NOUN
ajiss-357	288	42	rental	rental	NOUN
ajiss-357	288	43	.	.	PUNCT
ajiss-357	289	1	an	an	DET
ajiss-357	289	2	ijarah	ijarah	NOUN
ajiss-357	289	3	contract	contract	NOUN
ajiss-357	289	4	commences	commence	VERB
ajiss-357	289	5	with	with	ADP
ajiss-357	289	6	a	a	DET
ajiss-357	289	7	promise	promise	NOUN
ajiss-357	289	8	to	to	PART
ajiss-357	289	9	lease	lease	VERB
ajiss-357	289	10	that	that	PRON
ajiss-357	289	11	is	be	AUX
ajiss-357	289	12	binding	bind	VERB
ajiss-357	289	13	on	on	ADP
ajiss-357	289	14	the	the	DET
ajiss-357	289	15	part	part	NOUN
ajiss-357	289	16	of	of	ADP
ajiss-357	289	17	the	the	DET
ajiss-357	289	18	potential	potential	ADJ
ajiss-357	289	19	lessee	lessee	NOUN
ajiss-357	289	20	prior	prior	ADV
ajiss-357	289	21	to	to	ADP
ajiss-357	289	22	entering	enter	VERB
ajiss-357	289	23	the	the	DET
ajiss-357	289	24	ijarah	ijarah	NOUN
ajiss-357	289	25	contract	contract	NOUN
ajiss-357	289	26	.	.	PUNCT
ajiss-357	290	1	salam	salam	PROPN
ajiss-357	290	2	:	:	PUNCT
ajiss-357	290	3	a	a	DET
ajiss-357	290	4	salam	salam	PROPN
ajiss-357	290	5	contract	contract	NOUN
ajiss-357	290	6	refers	refer	VERB
ajiss-357	290	7	to	to	ADP
ajiss-357	290	8	an	an	DET
ajiss-357	290	9	agreement	agreement	NOUN
ajiss-357	290	10	to	to	PART
ajiss-357	290	11	purchase	purchase	VERB
ajiss-357	290	12	,	,	PUNCT
ajiss-357	290	13	at	at	ADP
ajiss-357	290	14	a	a	DET
ajiss-357	290	15	predetermined	predetermined	ADJ
ajiss-357	290	16	price	price	NOUN
ajiss-357	290	17	,	,	PUNCT
ajiss-357	290	18	a	a	DET
ajiss-357	290	19	specified	specified	ADJ
ajiss-357	290	20	kind	kind	NOUN
ajiss-357	290	21	of	of	ADP
ajiss-357	290	22	commodity	commodity	NOUN
ajiss-357	290	23	not	not	PART
ajiss-357	290	24	available	available	ADJ
ajiss-357	290	25	with	with	ADP
ajiss-357	290	26	the	the	DET
ajiss-357	290	27	seller	seller	NOUN
ajiss-357	290	28	,	,	PUNCT
ajiss-357	290	29	which	which	PRON
ajiss-357	290	30	is	be	AUX
ajiss-357	290	31	to	to	PART
ajiss-357	290	32	be	be	AUX
ajiss-357	290	33	delivered	deliver	VERB
ajiss-357	290	34	on	on	ADP
ajiss-357	290	35	a	a	DET
ajiss-357	290	36	specified	specify	VERB
ajiss-357	290	37	future	future	ADJ
ajiss-357	290	38	date	date	NOUN
ajiss-357	290	39	in	in	ADP
ajiss-357	290	40	a	a	DET
ajiss-357	290	41	specified	specified	ADJ
ajiss-357	290	42	quantity	quantity	NOUN
ajiss-357	290	43	and	and	CCONJ
ajiss-357	290	44	quality	quality	NOUN
ajiss-357	290	45	.	.	PUNCT
ajiss-357	291	1	the	the	DET
ajiss-357	291	2	iifs	iif	NOUN
ajiss-357	291	3	as	as	SCONJ
ajiss-357	291	4	the	the	DET
ajiss-357	291	5	buyers	buyer	NOUN
ajiss-357	291	6	make	make	VERB
ajiss-357	291	7	full	full	ADJ
ajiss-357	291	8	payment	payment	NOUN
ajiss-357	291	9	of	of	ADP
ajiss-357	291	10	the	the	DET
ajiss-357	291	11	purchase	purchase	NOUN
ajiss-357	291	12	price	price	NOUN
ajiss-357	291	13	upon	upon	SCONJ
ajiss-357	291	14	execution	execution	NOUN
ajiss-357	291	15	of	of	ADP
ajiss-357	291	16	a	a	DET
ajiss-357	291	17	salam	salam	PROPN
ajiss-357	291	18	contract	contract	PROPN
ajiss-357	291	19	.	.	PUNCT
ajiss-357	292	1	the	the	DET
ajiss-357	292	2	commodity	commodity	NOUN
ajiss-357	292	3	may	may	AUX
ajiss-357	292	4	or	or	CCONJ
ajiss-357	292	5	may	may	AUX
ajiss-357	292	6	not	not	PART
ajiss-357	292	7	be	be	AUX
ajiss-357	292	8	traded	trade	VERB
ajiss-357	292	9	over	over	ADP
ajiss-357	292	10	the	the	DET
ajiss-357	292	11	counter	counter	NOUN
ajiss-357	292	12	or	or	CCONJ
ajiss-357	292	13	on	on	ADP
ajiss-357	292	14	an	an	DET
ajiss-357	292	15	exchange	exchange	NOUN
ajiss-357	292	16	.	.	PUNCT
ajiss-357	293	1	hassan	hassan	PROPN
ajiss-357	293	2	and	and	CCONJ
ajiss-357	293	3	chowdhury	chowdhury	PROPN
ajiss-357	293	4	:	:	PUNCT
ajiss-357	293	5	islamic	islamic	ADJ
ajiss-357	293	6	banking	banking	NOUN
ajiss-357	293	7	regulations	regulation	NOUN
ajiss-357	293	8	97	97	NUM
ajiss-357	293	9	ajiss-27-1-final-obay.qxp	ajiss-27-1-final-obay.qxp	PROPN
ajiss-357	293	10	6/9/2010	6/9/2010	NOUN
ajiss-357	293	11	4:06	4:06	NUM
ajiss-357	293	12	pm	pm	NOUN
ajiss-357	293	13	page	page	NOUN
ajiss-357	293	14	97	97	NUM
ajiss-357	293	15	pdf	pdf	NOUN
ajiss-357	293	16	created	create	VERB
ajiss-357	293	17	with	with	ADP
ajiss-357	293	18	pdffactory	pdffactory	ADJ
ajiss-357	293	19	pro	pro	ADJ
ajiss-357	293	20	trial	trial	NOUN
ajiss-357	293	21	version	version	NOUN
ajiss-357	293	22	www.pdffactory.com	www.pdffactory.com	X
ajiss-357	293	23	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	293	24	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	293	25	98	98	NUM
ajiss-357	293	26	the	the	DET
ajiss-357	293	27	american	american	ADJ
ajiss-357	293	28	journal	journal	PROPN
ajiss-357	293	29	of	of	ADP
ajiss-357	293	30	islamic	islamic	ADJ
ajiss-357	293	31	social	social	PROPN
ajiss-357	293	32	sciences	sciences	PROPN
ajiss-357	293	33	27:1	27:1	NUM
ajiss-357	293	34	istisna	istisna	NOUN
ajiss-357	293	35	:	:	PUNCT
ajiss-357	293	36	an	an	DET
ajiss-357	293	37	istisna	istisna	NOUN
ajiss-357	293	38	contract	contract	NOUN
ajiss-357	293	39	refers	refer	VERB
ajiss-357	293	40	to	to	ADP
ajiss-357	293	41	an	an	DET
ajiss-357	293	42	agreement	agreement	NOUN
ajiss-357	293	43	to	to	PART
ajiss-357	293	44	sell	sell	VERB
ajiss-357	293	45	to	to	ADP
ajiss-357	293	46	a	a	DET
ajiss-357	293	47	customer	customer	NOUN
ajiss-357	293	48	a	a	DET
ajiss-357	293	49	non	non	ADJ
ajiss-357	293	50	-	-	ADJ
ajiss-357	293	51	existent	existent	ADJ
ajiss-357	293	52	asset	asset	NOUN
ajiss-357	293	53	,	,	PUNCT
ajiss-357	293	54	which	which	PRON
ajiss-357	293	55	is	be	AUX
ajiss-357	293	56	to	to	PART
ajiss-357	293	57	be	be	AUX
ajiss-357	293	58	manufactured	manufacture	VERB
ajiss-357	293	59	or	or	CCONJ
ajiss-357	293	60	built	build	VERB
ajiss-357	293	61	according	accord	VERB
ajiss-357	293	62	to	to	ADP
ajiss-357	293	63	the	the	DET
ajiss-357	293	64	buyer	buyer	NOUN
ajiss-357	293	65	’s	’s	PART
ajiss-357	293	66	specifications	specification	NOUN
ajiss-357	293	67	and	and	CCONJ
ajiss-357	293	68	is	be	AUX
ajiss-357	293	69	to	to	PART
ajiss-357	293	70	be	be	AUX
ajiss-357	293	71	delivered	deliver	VERB
ajiss-357	293	72	on	on	ADP
ajiss-357	293	73	a	a	DET
ajiss-357	293	74	specified	specify	VERB
ajiss-357	293	75	future	future	ADJ
ajiss-357	293	76	date	date	NOUN
ajiss-357	293	77	at	at	ADP
ajiss-357	293	78	a	a	DET
ajiss-357	293	79	predetermined	predetermine	VERB
ajiss-357	293	80	selling	selling	NOUN
ajiss-357	293	81	price	price	NOUN
ajiss-357	293	82	.	.	PUNCT
ajiss-357	294	1	sukuk	sukuk	NOUN
ajiss-357	294	2	:	:	PUNCT
ajiss-357	294	3	sukuk	sukuk	NOUN
ajiss-357	294	4	(	(	PUNCT
ajiss-357	294	5	certificates	certificate	NOUN
ajiss-357	294	6	)	)	PUNCT
ajiss-357	294	7	represents	represent	VERB
ajiss-357	294	8	the	the	DET
ajiss-357	294	9	holder	holder	NOUN
ajiss-357	294	10	’s	’s	PART
ajiss-357	294	11	proportionate	proportionate	ADJ
ajiss-357	294	12	ownership	ownership	NOUN
ajiss-357	294	13	in	in	ADP
ajiss-357	294	14	an	an	DET
ajiss-357	294	15	undivided	undivided	ADJ
ajiss-357	294	16	part	part	NOUN
ajiss-357	294	17	of	of	ADP
ajiss-357	294	18	an	an	DET
ajiss-357	294	19	underlying	underlie	VERB
ajiss-357	294	20	asset	asset	NOUN
ajiss-357	294	21	where	where	SCONJ
ajiss-357	294	22	the	the	DET
ajiss-357	294	23	holder	holder	NOUN
ajiss-357	294	24	assumes	assume	VERB
ajiss-357	294	25	all	all	DET
ajiss-357	294	26	rights	right	NOUN
ajiss-357	294	27	and	and	CCONJ
ajiss-357	294	28	obligations	obligation	NOUN
ajiss-357	294	29	.	.	PUNCT
ajiss-357	295	1	endnotes	endnote	NOUN
ajiss-357	295	2	1	1	NUM
ajiss-357	295	3	.	.	PUNCT
ajiss-357	295	4	d.	d.	PROPN
ajiss-357	295	5	t.	t.	PROPN
ajiss-357	295	6	llewellyn	llewellyn	PROPN
ajiss-357	295	7	,	,	PUNCT
ajiss-357	295	8	“	"	PUNCT
ajiss-357	295	9	a	a	DET
ajiss-357	295	10	regulatory	regulatory	ADJ
ajiss-357	295	11	regime	regime	NOUN
ajiss-357	295	12	for	for	ADP
ajiss-357	295	13	conventional	conventional	ADJ
ajiss-357	295	14	and	and	CCONJ
ajiss-357	295	15	islamic	islamic	ADJ
ajiss-357	295	16	banks	bank	NOUN
ajiss-357	295	17	”	"	PUNCT
ajiss-357	295	18	(	(	PUNCT
ajiss-357	295	19	paper	paper	NOUN
ajiss-357	295	20	presented	present	VERB
ajiss-357	295	21	at	at	ADP
ajiss-357	295	22	the	the	DET
ajiss-357	295	23	conference	conference	NOUN
ajiss-357	295	24	on	on	ADP
ajiss-357	295	25	regulation	regulation	NOUN
ajiss-357	295	26	and	and	CCONJ
ajiss-357	295	27	supervision	supervision	NOUN
ajiss-357	295	28	of	of	ADP
ajiss-357	295	29	islamic	islamic	ADJ
ajiss-357	295	30	banks	bank	NOUN
ajiss-357	295	31	:	:	PUNCT
ajiss-357	295	32	current	current	ADJ
ajiss-357	295	33	status	status	NOUN
ajiss-357	295	34	and	and	CCONJ
ajiss-357	295	35	prospective	prospective	ADJ
ajiss-357	295	36	developments	development	NOUN
ajiss-357	295	37	,	,	PUNCT
ajiss-357	295	38	khartoum	khartoum	PROPN
ajiss-357	295	39	,	,	PUNCT
ajiss-357	295	40	sudan	sudan	PROPN
ajiss-357	295	41	,	,	PUNCT
ajiss-357	295	42	2426	2426	NUM
ajiss-357	295	43	apr	apr	NOUN
ajiss-357	295	44	.	.	PROPN
ajiss-357	295	45	2001	2001	NUM
ajiss-357	295	46	)	)	PUNCT
ajiss-357	295	47	.	.	PUNCT
ajiss-357	296	1	2	2	X
ajiss-357	296	2	.	.	X
ajiss-357	296	3	tarek	tarek	PROPN
ajiss-357	296	4	zaher	zaher	PROPN
ajiss-357	296	5	and	and	CCONJ
ajiss-357	296	6	m.	m.	PROPN
ajiss-357	296	7	kabir	kabir	PROPN
ajiss-357	296	8	hassan	hassan	PROPN
ajiss-357	296	9	,	,	PUNCT
ajiss-357	296	10	“	"	PUNCT
ajiss-357	296	11	a	a	DET
ajiss-357	296	12	comparative	comparative	ADJ
ajiss-357	296	13	literature	literature	NOUN
ajiss-357	296	14	survey	survey	NOUN
ajiss-357	296	15	of	of	ADP
ajiss-357	296	16	islamic	islamic	ADJ
ajiss-357	296	17	finance	finance	NOUN
ajiss-357	296	18	and	and	CCONJ
ajiss-357	296	19	banking	banking	NOUN
ajiss-357	296	20	,	,	PUNCT
ajiss-357	296	21	”	"	PUNCT
ajiss-357	296	22	financial	financial	ADJ
ajiss-357	296	23	markets	market	NOUN
ajiss-357	296	24	,	,	PUNCT
ajiss-357	296	25	institutions	institution	NOUN
ajiss-357	296	26	,	,	PUNCT
ajiss-357	296	27	and	and	CCONJ
ajiss-357	296	28	instruments	instrument	NOUN
ajiss-357	296	29	10	10	NUM
ajiss-357	296	30	,	,	PUNCT
ajiss-357	296	31	no	no	INTJ
ajiss-357	296	32	.	.	NOUN
ajiss-357	296	33	4	4	NUM
ajiss-357	296	34	(	(	PUNCT
ajiss-357	296	35	2001	2001	NUM
ajiss-357	296	36	):	):	PUNCT
ajiss-357	296	37	155	155	NUM
ajiss-357	296	38	-	-	SYM
ajiss-357	296	39	99	99	NUM
ajiss-357	296	40	.	.	PUNCT
ajiss-357	296	41	3	3	X
ajiss-357	296	42	.	.	X
ajiss-357	296	43	g.	g.	NOUN
ajiss-357	296	44	benston	benston	PROPN
ajiss-357	296	45	and	and	CCONJ
ajiss-357	296	46	g.	g.	PROPN
ajiss-357	296	47	kaufman	kaufman	PROPN
ajiss-357	296	48	,	,	PUNCT
ajiss-357	296	49	“	"	PUNCT
ajiss-357	296	50	is	be	AUX
ajiss-357	296	51	the	the	DET
ajiss-357	296	52	banking	banking	NOUN
ajiss-357	296	53	and	and	CCONJ
ajiss-357	296	54	payment	payment	NOUN
ajiss-357	296	55	system	system	NOUN
ajiss-357	296	56	fragile	fragile	ADJ
ajiss-357	296	57	?	?	PUNCT
ajiss-357	296	58	”	"	PUNCT
ajiss-357	296	59	journal	journal	NOUN
ajiss-357	296	60	of	of	ADP
ajiss-357	296	61	financial	financial	ADJ
ajiss-357	296	62	services	service	NOUN
ajiss-357	296	63	research	research	NOUN
ajiss-357	296	64	(	(	PUNCT
ajiss-357	296	65	sept	sept	PROPN
ajiss-357	296	66	.	.	PROPN
ajiss-357	296	67	1995	1995	NUM
ajiss-357	296	68	)	)	PUNCT
ajiss-357	296	69	;	;	PUNCT
ajiss-357	296	70	a.	a.	NOUN
ajiss-357	296	71	schwartz	schwartz	PROPN
ajiss-357	296	72	,	,	PUNCT
ajiss-357	296	73	“	"	PUNCT
ajiss-357	296	74	coping	cope	VERB
ajiss-357	296	75	with	with	ADP
ajiss-357	296	76	financial	financial	ADJ
ajiss-357	296	77	fragility	fragility	NOUN
ajiss-357	296	78	:	:	PUNCT
ajiss-357	296	79	a	a	DET
ajiss-357	296	80	global	global	ADJ
ajiss-357	296	81	perspective	perspective	NOUN
ajiss-357	296	82	,	,	PUNCT
ajiss-357	296	83	”	"	PUNCT
ajiss-357	296	84	journal	journal	NOUN
ajiss-357	296	85	of	of	ADP
ajiss-357	296	86	financial	financial	ADJ
ajiss-357	296	87	services	service	NOUN
ajiss-357	296	88	research	research	NOUN
ajiss-357	296	89	(	(	PUNCT
ajiss-357	296	90	sept	sept	PROPN
ajiss-357	296	91	.	.	PROPN
ajiss-357	296	92	1995	1995	NUM
ajiss-357	296	93	)	)	PUNCT
ajiss-357	296	94	;	;	PUNCT
ajiss-357	296	95	and	and	CCONJ
ajiss-357	296	96	richard	richard	PROPN
ajiss-357	296	97	j.	j.	PROPN
ajiss-357	296	98	herring	herring	PROPN
ajiss-357	296	99	and	and	CCONJ
ajiss-357	296	100	robert	robert	PROPN
ajiss-357	296	101	e.	e.	PROPN
ajiss-357	296	102	litan	litan	PROPN
ajiss-357	296	103	,	,	PUNCT
ajiss-357	296	104	financial	financial	ADJ
ajiss-357	296	105	regulation	regulation	NOUN
ajiss-357	296	106	in	in	ADP
ajiss-357	296	107	the	the	DET
ajiss-357	296	108	global	global	ADJ
ajiss-357	296	109	economy	economy	NOUN
ajiss-357	296	110	(	(	PUNCT
ajiss-357	296	111	washington	washington	PROPN
ajiss-357	296	112	dc	dc	PROPN
ajiss-357	296	113	:	:	PUNCT
ajiss-357	296	114	brookings	brookings	PROPN
ajiss-357	296	115	institution	institution	NOUN
ajiss-357	296	116	,	,	PUNCT
ajiss-357	296	117	1995	1995	NUM
ajiss-357	296	118	)	)	PUNCT
ajiss-357	296	119	.	.	PUNCT
ajiss-357	297	1	4	4	X
ajiss-357	297	2	.	.	X
ajiss-357	297	3	s.	s.	PROPN
ajiss-357	297	4	c.	c.	PROPN
ajiss-357	297	5	dow	dow	PROPN
ajiss-357	297	6	,	,	PUNCT
ajiss-357	297	7	“	"	PUNCT
ajiss-357	297	8	why	why	SCONJ
ajiss-357	297	9	the	the	DET
ajiss-357	297	10	banking	banking	NOUN
ajiss-357	297	11	system	system	NOUN
ajiss-357	297	12	should	should	AUX
ajiss-357	297	13	be	be	AUX
ajiss-357	297	14	regulated	regulate	VERB
ajiss-357	297	15	,	,	PUNCT
ajiss-357	297	16	”	"	PUNCT
ajiss-357	297	17	economic	economic	ADJ
ajiss-357	297	18	journal	journal	NOUN
ajiss-357	297	19	(	(	PUNCT
ajiss-357	297	20	1996	1996	NUM
ajiss-357	297	21	)	)	PUNCT
ajiss-357	297	22	;	;	PUNCT
ajiss-357	297	23	c.	c.	PROPN
ajiss-357	297	24	j.	j.	PROPN
ajiss-357	297	25	lindgren	lindgren	PROPN
ajiss-357	297	26	,	,	PUNCT
ajiss-357	297	27	g.	g.	PROPN
ajiss-357	297	28	garcia	garcia	PROPN
ajiss-357	297	29	,	,	PUNCT
ajiss-357	297	30	and	and	CCONJ
ajiss-357	297	31	m.	m.	PROPN
ajiss-357	297	32	saal	saal	PROPN
ajiss-357	297	33	,	,	PUNCT
ajiss-357	297	34	bank	bank	NOUN
ajiss-357	297	35	soundness	soundness	NOUN
ajiss-357	297	36	and	and	CCONJ
ajiss-357	297	37	macroeconomic	macroeconomic	ADJ
ajiss-357	297	38	policy	policy	NOUN
ajiss-357	297	39	(	(	PUNCT
ajiss-357	297	40	washington	washington	PROPN
ajiss-357	297	41	,	,	PUNCT
ajiss-357	297	42	dc	dc	PROPN
ajiss-357	297	43	:	:	PUNCT
ajiss-357	297	44	imf	imf	PROPN
ajiss-357	297	45	,	,	PUNCT
ajiss-357	297	46	1996	1996	NUM
ajiss-357	297	47	)	)	PUNCT
ajiss-357	297	48	;	;	PUNCT
ajiss-357	297	49	j.	j.	PROPN
ajiss-357	297	50	drage	drage	PROPN
ajiss-357	297	51	et	et	PROPN
ajiss-357	297	52	.	.	PUNCT
ajiss-357	298	1	al	al	PROPN
ajiss-357	298	2	.	.	PROPN
ajiss-357	298	3	,	,	PUNCT
ajiss-357	298	4	“	"	PUNCT
ajiss-357	298	5	some	some	DET
ajiss-357	298	6	issues	issue	NOUN
ajiss-357	298	7	for	for	ADP
ajiss-357	298	8	policy	policy	NOUN
ajiss-357	298	9	makers	maker	NOUN
ajiss-357	298	10	arising	arise	VERB
ajiss-357	298	11	from	from	ADP
ajiss-357	298	12	the	the	DET
ajiss-357	298	13	international	international	ADJ
ajiss-357	298	14	financial	financial	ADJ
ajiss-357	298	15	crisis	crisis	NOUN
ajiss-357	298	16	,	,	PUNCT
ajiss-357	298	17	”	"	PUNCT
ajiss-357	298	18	journal	journal	NOUN
ajiss-357	298	19	of	of	ADP
ajiss-357	298	20	financial	financial	ADJ
ajiss-357	298	21	regulation	regulation	NOUN
ajiss-357	298	22	and	and	CCONJ
ajiss-357	298	23	compliance	compliance	NOUN
ajiss-357	298	24	(	(	PUNCT
ajiss-357	298	25	nov	nov	PROPN
ajiss-357	298	26	.	.	PROPN
ajiss-357	298	27	1998	1998	NUM
ajiss-357	298	28	)	)	PUNCT
ajiss-357	298	29	;	;	PUNCT
ajiss-357	298	30	d.	d.	PROPN
ajiss-357	298	31	t.	t.	PROPN
ajiss-357	298	32	llewellyn	llewellyn	PROPN
ajiss-357	298	33	,	,	PUNCT
ajiss-357	298	34	“	"	PUNCT
ajiss-357	298	35	the	the	DET
ajiss-357	298	36	economic	economic	ADJ
ajiss-357	298	37	rationale	rationale	NOUN
ajiss-357	298	38	of	of	ADP
ajiss-357	298	39	financial	financial	ADJ
ajiss-357	298	40	regulation	regulation	NOUN
ajiss-357	298	41	,	,	PUNCT
ajiss-357	298	42	”	"	PUNCT
ajiss-357	298	43	occasional	occasional	ADJ
ajiss-357	298	44	paper	paper	NOUN
ajiss-357	298	45	no	no	NOUN
ajiss-357	298	46	.	.	NOUN
ajiss-357	298	47	1	1	NUM
ajiss-357	298	48	(	(	PUNCT
ajiss-357	298	49	london	london	PROPN
ajiss-357	298	50	:	:	PUNCT
ajiss-357	298	51	financial	financial	ADJ
ajiss-357	298	52	services	service	NOUN
ajiss-357	298	53	authority	authority	NOUN
ajiss-357	298	54	,	,	PUNCT
ajiss-357	298	55	1999	1999	NUM
ajiss-357	298	56	)	)	PUNCT
ajiss-357	298	57	.	.	PUNCT
ajiss-357	299	1	5	5	X
ajiss-357	299	2	.	.	X
ajiss-357	299	3	ibid	ibid	NOUN
ajiss-357	299	4	.	.	PUNCT
ajiss-357	300	1	6	6	X
ajiss-357	300	2	.	.	X
ajiss-357	300	3	llewellyn	llewellyn	PROPN
ajiss-357	300	4	,	,	PUNCT
ajiss-357	300	5	a	a	DET
ajiss-357	300	6	regulatory	regulatory	ADJ
ajiss-357	300	7	regime	regime	NOUN
ajiss-357	300	8	.	.	PUNCT
ajiss-357	301	1	7	7	X
ajiss-357	301	2	.	.	X
ajiss-357	301	3	ibid	ibid	NOUN
ajiss-357	301	4	.	.	PUNCT
ajiss-357	302	1	8	8	X
ajiss-357	302	2	.	.	X
ajiss-357	302	3	ibid	ibid	NOUN
ajiss-357	302	4	.	.	PUNCT
ajiss-357	303	1	9	9	X
ajiss-357	303	2	.	.	X
ajiss-357	303	3	ibid	ibid	NOUN
ajiss-357	303	4	.	.	PUNCT
ajiss-357	304	1	10	10	NUM
ajiss-357	304	2	.	.	PUNCT
ajiss-357	304	3	a.	a.	PROPN
ajiss-357	304	4	k.	k.	PROPN
ajiss-357	304	5	i.	i.	PROPN
ajiss-357	304	6	al	al	PROPN
ajiss-357	304	7	-	-	PUNCT
ajiss-357	304	8	sadah	sadah	PROPN
ajiss-357	304	9	,	,	PUNCT
ajiss-357	304	10	regulation	regulation	NOUN
ajiss-357	304	11	of	of	ADP
ajiss-357	304	12	financial	financial	ADJ
ajiss-357	304	13	reporting	reporting	NOUN
ajiss-357	304	14	by	by	ADP
ajiss-357	304	15	islamic	islamic	ADJ
ajiss-357	304	16	banks	bank	NOUN
ajiss-357	304	17	(	(	PUNCT
ajiss-357	304	18	surrey	surrey	PROPN
ajiss-357	304	19	,	,	PUNCT
ajiss-357	304	20	uk	uk	PROPN
ajiss-357	304	21	:	:	PUNCT
ajiss-357	304	22	university	university	NOUN
ajiss-357	304	23	of	of	ADP
ajiss-357	304	24	surrey	surrey	PROPN
ajiss-357	304	25	,	,	PUNCT
ajiss-357	304	26	1999	1999	NUM
ajiss-357	304	27	)	)	PUNCT
ajiss-357	304	28	.	.	PUNCT
ajiss-357	305	1	11	11	NUM
ajiss-357	305	2	.	.	X
ajiss-357	305	3	accounting	accounting	NOUN
ajiss-357	305	4	and	and	CCONJ
ajiss-357	305	5	auditing	auditing	NOUN
ajiss-357	305	6	organisation	organisation	NOUN
ajiss-357	305	7	for	for	ADP
ajiss-357	305	8	islamic	islamic	ADJ
ajiss-357	305	9	financial	financial	ADJ
ajiss-357	305	10	institutions	institution	NOUN
ajiss-357	305	11	,	,	PUNCT
ajiss-357	305	12	“	"	PUNCT
ajiss-357	305	13	statement	statement	NOUN
ajiss-357	305	14	on	on	ADP
ajiss-357	305	15	the	the	DET
ajiss-357	305	16	purpose	purpose	NOUN
ajiss-357	305	17	and	and	CCONJ
ajiss-357	305	18	calculation	calculation	NOUN
ajiss-357	305	19	of	of	ADP
ajiss-357	305	20	the	the	DET
ajiss-357	305	21	capital	capital	NOUN
ajiss-357	305	22	adequacy	adequacy	NOUN
ajiss-357	305	23	ratio	ratio	NOUN
ajiss-357	305	24	for	for	ADP
ajiss-357	305	25	islamic	islamic	ADJ
ajiss-357	305	26	banks	bank	NOUN
ajiss-357	305	27	”	"	PUNCT
ajiss-357	305	28	(	(	PUNCT
ajiss-357	305	29	bahrain	bahrain	NOUN
ajiss-357	305	30	:	:	PUNCT
ajiss-357	305	31	aaoifi	aaoifi	PROPN
ajiss-357	305	32	,	,	PUNCT
ajiss-357	305	33	1999	1999	NUM
ajiss-357	305	34	)	)	PUNCT
ajiss-357	305	35	.	.	PUNCT
ajiss-357	306	1	12	12	NUM
ajiss-357	306	2	.	.	PUNCT
ajiss-357	307	1	t.	t.	PROPN
ajiss-357	307	2	khan	khan	PROPN
ajiss-357	307	3	and	and	CCONJ
ajiss-357	307	4	h.	h.	PROPN
ajiss-357	307	5	ahmed	ahmed	PROPN
ajiss-357	307	6	,	,	PUNCT
ajiss-357	307	7	“	"	PUNCT
ajiss-357	307	8	risk	risk	NOUN
ajiss-357	307	9	management	management	NOUN
ajiss-357	307	10	:	:	PUNCT
ajiss-357	307	11	an	an	DET
ajiss-357	307	12	analysis	analysis	NOUN
ajiss-357	307	13	of	of	ADP
ajiss-357	307	14	issues	issue	NOUN
ajiss-357	307	15	in	in	ADP
ajiss-357	307	16	islamic	islamic	ADJ
ajiss-357	307	17	financial	financial	ADJ
ajiss-357	307	18	industry	industry	NOUN
ajiss-357	307	19	,	,	PUNCT
ajiss-357	307	20	”	"	PUNCT
ajiss-357	307	21	occasional	occasional	ADJ
ajiss-357	307	22	paper	paper	NOUN
ajiss-357	307	23	no	no	NOUN
ajiss-357	307	24	.	.	NOUN
ajiss-357	307	25	5	5	NUM
ajiss-357	307	26	(	(	PUNCT
ajiss-357	307	27	jeddah	jeddah	PROPN
ajiss-357	307	28	:	:	PUNCT
ajiss-357	307	29	islamic	islamic	ADJ
ajiss-357	307	30	research	research	NOUN
ajiss-357	307	31	and	and	CCONJ
ajiss-357	307	32	trading	trading	NOUN
ajiss-357	307	33	institute	institute	PROPN
ajiss-357	307	34	,	,	PUNCT
ajiss-357	307	35	ibd	ibd	PROPN
ajiss-357	307	36	,	,	PUNCT
ajiss-357	307	37	2001	2001	NUM
ajiss-357	307	38	)	)	PUNCT
ajiss-357	307	39	.	.	PUNCT
ajiss-357	308	1	ajiss-27-1-final-obay.qxp	ajiss-27-1-final-obay.qxp	PROPN
ajiss-357	309	1	6/9/2010	6/9/2010	NOUN
ajiss-357	309	2	4:06	4:06	NUM
ajiss-357	309	3	pm	pm	NOUN
ajiss-357	309	4	page	page	NOUN
ajiss-357	309	5	98	98	NUM
ajiss-357	309	6	pdf	pdf	NOUN
ajiss-357	309	7	created	create	VERB
ajiss-357	309	8	with	with	ADP
ajiss-357	309	9	pdffactory	pdffactory	ADJ
ajiss-357	309	10	pro	pro	ADJ
ajiss-357	309	11	trial	trial	NOUN
ajiss-357	309	12	version	version	NOUN
ajiss-357	309	13	www.pdffactory.com	www.pdffactory.com	X
ajiss-357	309	14	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	309	15	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	310	1	13	13	NUM
ajiss-357	310	2	.	.	X
ajiss-357	310	3	ibid	ibid	NOUN
ajiss-357	310	4	.	.	PUNCT
ajiss-357	311	1	14	14	NUM
ajiss-357	311	2	.	.	X
ajiss-357	312	1	ghiath	ghiath	PROPN
ajiss-357	312	2	shabsigh	shabsigh	NOUN
ajiss-357	312	3	,	,	PUNCT
ajiss-357	312	4	“	"	PUNCT
ajiss-357	312	5	issues	issue	NOUN
ajiss-357	312	6	in	in	ADP
ajiss-357	312	7	transparency	transparency	NOUN
ajiss-357	312	8	in	in	ADP
ajiss-357	312	9	islamic	islamic	ADJ
ajiss-357	312	10	banking	banking	NOUN
ajiss-357	312	11	”	"	PUNCT
ajiss-357	312	12	(	(	PUNCT
ajiss-357	312	13	paper	paper	NOUN
ajiss-357	312	14	presented	present	VERB
ajiss-357	312	15	at	at	ADP
ajiss-357	312	16	the	the	DET
ajiss-357	312	17	conference	conference	NOUN
ajiss-357	312	18	on	on	ADP
ajiss-357	312	19	regulation	regulation	NOUN
ajiss-357	312	20	and	and	CCONJ
ajiss-357	312	21	supervision	supervision	NOUN
ajiss-357	312	22	of	of	ADP
ajiss-357	312	23	islamic	islamic	ADJ
ajiss-357	312	24	banks	bank	NOUN
ajiss-357	312	25	:	:	PUNCT
ajiss-357	312	26	current	current	ADJ
ajiss-357	312	27	status	status	NOUN
ajiss-357	312	28	and	and	CCONJ
ajiss-357	312	29	prospective	prospective	ADJ
ajiss-357	312	30	developments	development	NOUN
ajiss-357	312	31	,	,	PUNCT
ajiss-357	312	32	khartoum	khartoum	PROPN
ajiss-357	312	33	,	,	PUNCT
ajiss-357	312	34	sudan	sudan	PROPN
ajiss-357	312	35	,	,	PUNCT
ajiss-357	312	36	24	24	NUM
ajiss-357	312	37	-	-	SYM
ajiss-357	312	38	26	26	NUM
ajiss-357	312	39	april	april	PROPN
ajiss-357	312	40	2001	2001	NUM
ajiss-357	312	41	)	)	PUNCT
ajiss-357	312	42	.	.	PUNCT
ajiss-357	313	1	15	15	X
ajiss-357	313	2	.	.	X
ajiss-357	313	3	ibid	ibid	NOUN
ajiss-357	313	4	.	.	PUNCT
ajiss-357	314	1	16	16	NUM
ajiss-357	314	2	.	.	PUNCT
ajiss-357	314	3	llewellyn	llewellyn	PROPN
ajiss-357	314	4	,	,	PUNCT
ajiss-357	314	5	a	a	DET
ajiss-357	314	6	regulatory	regulatory	ADJ
ajiss-357	314	7	regime	regime	NOUN
ajiss-357	314	8	.	.	PUNCT
ajiss-357	315	1	17	17	NUM
ajiss-357	315	2	.	.	X
ajiss-357	315	3	ibid	ibid	NOUN
ajiss-357	315	4	.	.	PUNCT
ajiss-357	316	1	18	18	NUM
ajiss-357	316	2	.	.	PUNCT
ajiss-357	316	3	m.	m.	NOUN
ajiss-357	316	4	kabir	kabir	PROPN
ajiss-357	316	5	hassan	hassan	PROPN
ajiss-357	316	6	,	,	PUNCT
ajiss-357	316	7	“	"	PUNCT
ajiss-357	316	8	summary	summary	NOUN
ajiss-357	316	9	of	of	ADP
ajiss-357	316	10	consultative	consultative	ADJ
ajiss-357	316	11	document	document	NOUN
ajiss-357	316	12	:	:	PUNCT
ajiss-357	316	13	the	the	DET
ajiss-357	316	14	new	new	ADJ
ajiss-357	316	15	basel	basel	PROPN
ajiss-357	316	16	accord	accord	NOUN
ajiss-357	316	17	,	,	PUNCT
ajiss-357	316	18	”	"	PUNCT
ajiss-357	316	19	mimeo	mimeo	NOUN
ajiss-357	316	20	(	(	PUNCT
ajiss-357	316	21	2003	2003	NUM
ajiss-357	316	22	)	)	PUNCT
ajiss-357	316	23	.	.	PUNCT
ajiss-357	317	1	19	19	NUM
ajiss-357	317	2	.	.	PUNCT
ajiss-357	317	3	statement	statement	NOUN
ajiss-357	317	4	on	on	ADP
ajiss-357	317	5	the	the	DET
ajiss-357	317	6	purpose	purpose	NOUN
ajiss-357	317	7	and	and	CCONJ
ajiss-357	317	8	calculation	calculation	NOUN
ajiss-357	317	9	of	of	ADP
ajiss-357	317	10	the	the	DET
ajiss-357	317	11	capital	capital	NOUN
ajiss-357	317	12	adequacy	adequacy	NOUN
ajiss-357	317	13	ratio	ratio	NOUN
ajiss-357	317	14	for	for	ADP
ajiss-357	317	15	islamic	islamic	ADJ
ajiss-357	317	16	banks	bank	NOUN
ajiss-357	317	17	(	(	PUNCT
ajiss-357	317	18	english	english	PROPN
ajiss-357	317	19	and	and	CCONJ
ajiss-357	317	20	arabic	arabic	ADJ
ajiss-357	317	21	)	)	PUNCT
ajiss-357	317	22	,	,	PUNCT
ajiss-357	317	23	bahrain	bahrain	NOUN
ajiss-357	317	24	(	(	PUNCT
ajiss-357	317	25	1999	1999	NUM
ajiss-357	317	26	)	)	PUNCT
ajiss-357	317	27	.	.	PUNCT
ajiss-357	318	1	20	20	NUM
ajiss-357	318	2	.	.	X
ajiss-357	318	3	ifsb	ifsb	NOUN
ajiss-357	318	4	,	,	PUNCT
ajiss-357	318	5	“	"	PUNCT
ajiss-357	318	6	capital	capital	NOUN
ajiss-357	318	7	adequacy	adequacy	NOUN
ajiss-357	318	8	standard	standard	NOUN
ajiss-357	318	9	for	for	ADP
ajiss-357	318	10	institutions	institution	NOUN
ajiss-357	318	11	(	(	PUNCT
ajiss-357	318	12	other	other	ADJ
ajiss-357	318	13	than	than	ADP
ajiss-357	318	14	insurance	insurance	NOUN
ajiss-357	318	15	institutions	institution	NOUN
ajiss-357	318	16	)	)	PUNCT
ajiss-357	318	17	offering	offer	VERB
ajiss-357	318	18	only	only	ADV
ajiss-357	318	19	islamic	islamic	ADJ
ajiss-357	318	20	financial	financial	ADJ
ajiss-357	318	21	services	service	NOUN
ajiss-357	318	22	(	(	PUNCT
ajiss-357	318	23	iifs	iifs	PROPN
ajiss-357	318	24	)	)	PUNCT
ajiss-357	318	25	,	,	PUNCT
ajiss-357	318	26	”	"	PUNCT
ajiss-357	318	27	2005	2005	NUM
ajiss-357	318	28	.	.	PUNCT
ajiss-357	319	1	online	online	ADV
ajiss-357	319	2	at	at	ADP
ajiss-357	319	3	www.ifsb.org	www.ifsb.org	NUM
ajiss-357	319	4	.	.	PUNCT
ajiss-357	320	1	21	21	NUM
ajiss-357	320	2	.	.	PUNCT
ajiss-357	321	1	m.	m.	PROPN
ajiss-357	321	2	k.	k.	PROPN
ajiss-357	321	3	hassan	hassan	PROPN
ajiss-357	321	4	and	and	CCONJ
ajiss-357	321	5	m.	m.	PROPN
ajiss-357	321	6	f.	f.	PROPN
ajiss-357	321	7	dicle	dicle	PROPN
ajiss-357	321	8	,	,	PUNCT
ajiss-357	321	9	“	"	PUNCT
ajiss-357	321	10	basel	basel	PROPN
ajiss-357	321	11	ii	ii	PROPN
ajiss-357	321	12	and	and	CCONJ
ajiss-357	321	13	capital	capital	NOUN
ajiss-357	321	14	requirements	requirement	NOUN
ajiss-357	321	15	for	for	ADP
ajiss-357	321	16	islamic	islamic	ADJ
ajiss-357	321	17	banks	bank	NOUN
ajiss-357	321	18	,	,	PUNCT
ajiss-357	321	19	”	"	PUNCT
ajiss-357	321	20	in	in	ADP
ajiss-357	321	21	proceedings	proceeding	NOUN
ajiss-357	321	22	(	(	PUNCT
ajiss-357	321	23	volume	volume	NOUN
ajiss-357	321	24	2	2	NUM
ajiss-357	321	25	)	)	PUNCT
ajiss-357	321	26	of	of	ADP
ajiss-357	321	27	the	the	DET
ajiss-357	321	28	international	international	ADJ
ajiss-357	321	29	conference	conference	NOUN
ajiss-357	321	30	on	on	ADP
ajiss-357	321	31	islamic	islamic	ADJ
ajiss-357	321	32	economics	economic	NOUN
ajiss-357	321	33	and	and	CCONJ
ajiss-357	321	34	finance	finance	NOUN
ajiss-357	321	35	,	,	PUNCT
ajiss-357	321	36	islamic	islamic	ADJ
ajiss-357	321	37	economics	economic	NOUN
ajiss-357	321	38	and	and	CCONJ
ajiss-357	321	39	banking	banking	NOUN
ajiss-357	321	40	in	in	ADP
ajiss-357	321	41	the	the	DET
ajiss-357	321	42	21st	21st	ADJ
ajiss-357	321	43	century	century	NOUN
ajiss-357	321	44	,	,	PUNCT
ajiss-357	321	45	held	hold	VERB
ajiss-357	321	46	in	in	ADP
ajiss-357	321	47	jakarta	jakarta	PROPN
ajiss-357	321	48	,	,	PUNCT
ajiss-357	321	49	indonesia	indonesia	PROPN
ajiss-357	321	50	,	,	PUNCT
ajiss-357	321	51	21	21	NUM
ajiss-357	321	52	-	-	SYM
ajiss-357	321	53	24	24	NUM
ajiss-357	321	54	november	november	PROPN
ajiss-357	321	55	2005	2005	NUM
ajiss-357	321	56	.	.	PUNCT
ajiss-357	322	1	22	22	NUM
ajiss-357	322	2	.	.	PUNCT
ajiss-357	323	1	basel	basel	PROPN
ajiss-357	323	2	committee	committee	PROPN
ajiss-357	323	3	on	on	ADP
ajiss-357	323	4	banking	banking	NOUN
ajiss-357	323	5	supervision	supervision	NOUN
ajiss-357	323	6	,	,	PUNCT
ajiss-357	323	7	“	"	PUNCT
ajiss-357	323	8	the	the	DET
ajiss-357	323	9	new	new	ADJ
ajiss-357	323	10	basel	basel	PROPN
ajiss-357	323	11	capital	capital	PROPN
ajiss-357	323	12	accord	accord	NOUN
ajiss-357	323	13	:	:	PUNCT
ajiss-357	323	14	third	third	ADJ
ajiss-357	323	15	consultative	consultative	ADJ
ajiss-357	323	16	paper	paper	NOUN
ajiss-357	323	17	,	,	PUNCT
ajiss-357	323	18	”	"	PUNCT
ajiss-357	323	19	basel	basel	PROPN
ajiss-357	323	20	,	,	PUNCT
ajiss-357	323	21	april	april	PROPN
ajiss-357	323	22	2003	2003	NUM
ajiss-357	323	23	.	.	PUNCT
ajiss-357	324	1	23	23	NUM
ajiss-357	324	2	.	.	PUNCT
ajiss-357	325	1	basel	basel	PROPN
ajiss-357	325	2	committee	committee	PROPN
ajiss-357	325	3	on	on	ADP
ajiss-357	325	4	banking	banking	NOUN
ajiss-357	325	5	supervision	supervision	NOUN
ajiss-357	325	6	,	,	PUNCT
ajiss-357	325	7	“	"	PUNCT
ajiss-357	325	8	amendment	amendment	NOUN
ajiss-357	325	9	to	to	ADP
ajiss-357	325	10	the	the	DET
ajiss-357	325	11	capital	capital	NOUN
ajiss-357	325	12	accord	accord	NOUN
ajiss-357	325	13	to	to	PART
ajiss-357	325	14	incorporate	incorporate	VERB
ajiss-357	325	15	market	market	NOUN
ajiss-357	325	16	risk	risk	NOUN
ajiss-357	325	17	,	,	PUNCT
ajiss-357	325	18	”	"	PUNCT
ajiss-357	325	19	basel	basel	PROPN
ajiss-357	325	20	,	,	PUNCT
ajiss-357	325	21	january	january	PROPN
ajiss-357	325	22	1996	1996	NUM
ajiss-357	325	23	.	.	PUNCT
ajiss-357	326	1	24	24	NUM
ajiss-357	326	2	.	.	PUNCT
ajiss-357	327	1	hassan	hassan	PROPN
ajiss-357	327	2	and	and	CCONJ
ajiss-357	327	3	dicle	dicle	PROPN
ajiss-357	327	4	,	,	PUNCT
ajiss-357	327	5	“	"	PUNCT
ajiss-357	327	6	basel	basel	PROPN
ajiss-357	327	7	ii	ii	PROPN
ajiss-357	327	8	and	and	CCONJ
ajiss-357	327	9	capital	capital	NOUN
ajiss-357	327	10	requirements	requirement	NOUN
ajiss-357	327	11	.	.	PUNCT
ajiss-357	327	12	”	"	PUNCT
ajiss-357	328	1	25	25	NUM
ajiss-357	328	2	.	.	PUNCT
ajiss-357	328	3	ibid	ibid	NOUN
ajiss-357	328	4	.	.	PUNCT
ajiss-357	329	1	26	26	NUM
ajiss-357	329	2	.	.	PUNCT
ajiss-357	329	3	ifsb	ifsb	NOUN
ajiss-357	329	4	,	,	PUNCT
ajiss-357	329	5	“	"	PUNCT
ajiss-357	329	6	capital	capital	NOUN
ajiss-357	329	7	adequacy	adequacy	NOUN
ajiss-357	329	8	standard	standard	NOUN
ajiss-357	329	9	for	for	ADP
ajiss-357	329	10	iifs	iif	NOUN
ajiss-357	329	11	,	,	PUNCT
ajiss-357	329	12	”	"	PUNCT
ajiss-357	329	13	2005	2005	NUM
ajiss-357	329	14	.	.	PUNCT
ajiss-357	330	1	27	27	NUM
ajiss-357	330	2	.	.	X
ajiss-357	331	1	accounting	accounting	NOUN
ajiss-357	331	2	and	and	CCONJ
ajiss-357	331	3	auditing	auditing	NOUN
ajiss-357	331	4	organisation	organisation	NOUN
ajiss-357	331	5	for	for	ADP
ajiss-357	331	6	islamic	islamic	ADJ
ajiss-357	331	7	financial	financial	ADJ
ajiss-357	331	8	institutions	institution	NOUN
ajiss-357	331	9	,	,	PUNCT
ajiss-357	331	10	statement	statement	NOUN
ajiss-357	331	11	on	on	ADP
ajiss-357	331	12	capital	capital	NOUN
ajiss-357	331	13	adequacy	adequacy	NOUN
ajiss-357	331	14	ratio	ratio	NOUN
ajiss-357	331	15	;	;	PUNCT
ajiss-357	331	16	m.	m.	PROPN
ajiss-357	331	17	u.	u.	PROPN
ajiss-357	331	18	chapra	chapra	PROPN
ajiss-357	331	19	and	and	CCONJ
ajiss-357	331	20	t.	t.	PROPN
ajiss-357	331	21	khan	khan	PROPN
ajiss-357	331	22	,	,	PUNCT
ajiss-357	331	23	“	"	PUNCT
ajiss-357	331	24	regulation	regulation	NOUN
ajiss-357	331	25	and	and	CCONJ
ajiss-357	331	26	supervision	supervision	NOUN
ajiss-357	331	27	of	of	ADP
ajiss-357	331	28	islamic	islamic	ADJ
ajiss-357	331	29	banks	bank	NOUN
ajiss-357	331	30	,	,	PUNCT
ajiss-357	331	31	”	"	PUNCT
ajiss-357	331	32	islamic	islamic	PROPN
ajiss-357	331	33	development	development	PROPN
ajiss-357	331	34	bank	bank	PROPN
ajiss-357	331	35	,	,	PUNCT
ajiss-357	331	36	islamic	islamic	ADJ
ajiss-357	331	37	research	research	NOUN
ajiss-357	331	38	and	and	CCONJ
ajiss-357	331	39	training	training	NOUN
ajiss-357	331	40	institute	institute	NOUN
ajiss-357	331	41	occasional	occasional	ADJ
ajiss-357	331	42	paper	paper	NOUN
ajiss-357	331	43	,	,	PUNCT
ajiss-357	331	44	no	no	INTJ
ajiss-357	331	45	.	.	NOUN
ajiss-357	331	46	3	3	NUM
ajiss-357	331	47	,	,	PUNCT
ajiss-357	331	48	jeddah	jeddah	PROPN
ajiss-357	331	49	,	,	PUNCT
ajiss-357	331	50	2000	2000	NUM
ajiss-357	331	51	.	.	PUNCT
ajiss-357	332	1	28	28	NUM
ajiss-357	332	2	.	.	PUNCT
ajiss-357	332	3	r.	r.	PROPN
ajiss-357	332	4	a.	a.	PROPN
ajiss-357	332	5	a.	a.	PROPN
ajiss-357	332	6	karim	karim	PROPN
ajiss-357	332	7	,	,	PUNCT
ajiss-357	332	8	“	"	PUNCT
ajiss-357	332	9	international	international	ADJ
ajiss-357	332	10	accounting	accounting	NOUN
ajiss-357	332	11	harmonization	harmonization	NOUN
ajiss-357	332	12	,	,	PUNCT
ajiss-357	332	13	banking	banking	NOUN
ajiss-357	332	14	regulation	regulation	NOUN
ajiss-357	332	15	,	,	PUNCT
ajiss-357	332	16	and	and	CCONJ
ajiss-357	332	17	islamic	islamic	ADJ
ajiss-357	332	18	banks	bank	NOUN
ajiss-357	332	19	,	,	PUNCT
ajiss-357	332	20	”	"	PUNCT
ajiss-357	332	21	international	international	ADJ
ajiss-357	332	22	journal	journal	NOUN
ajiss-357	332	23	of	of	ADP
ajiss-357	332	24	accounting	account	VERB
ajiss-357	332	25	36	36	NUM
ajiss-357	332	26	(	(	PUNCT
ajiss-357	332	27	2001	2001	NUM
ajiss-357	332	28	)	)	PUNCT
ajiss-357	332	29	.	.	PUNCT
ajiss-357	333	1	29	29	NUM
ajiss-357	333	2	.	.	X
ajiss-357	333	3	ifsb	ifsb	PROPN
ajiss-357	333	4	(	(	PUNCT
ajiss-357	333	5	2005a	2005a	NUM
ajiss-357	333	6	)	)	PUNCT
ajiss-357	333	7	,	,	PUNCT
ajiss-357	333	8	“	"	PUNCT
ajiss-357	333	9	capital	capital	NOUN
ajiss-357	333	10	adequacy	adequacy	NOUN
ajiss-357	333	11	standard	standard	NOUN
ajiss-357	333	12	for	for	ADP
ajiss-357	333	13	institutions	institution	NOUN
ajiss-357	333	14	(	(	PUNCT
ajiss-357	333	15	other	other	ADJ
ajiss-357	333	16	than	than	ADP
ajiss-357	333	17	insurance	insurance	NOUN
ajiss-357	333	18	institutions	institution	NOUN
ajiss-357	333	19	)	)	PUNCT
ajiss-357	333	20	offering	offer	VERB
ajiss-357	333	21	only	only	ADV
ajiss-357	333	22	islamic	islamic	ADJ
ajiss-357	333	23	financial	financial	ADJ
ajiss-357	333	24	services	service	NOUN
ajiss-357	333	25	(	(	PUNCT
ajiss-357	333	26	iifs	iifs	PROPN
ajiss-357	333	27	)	)	PUNCT
ajiss-357	333	28	.	.	PUNCT
ajiss-357	333	29	”	"	PUNCT
ajiss-357	333	30	available	available	ADJ
ajiss-357	333	31	at	at	ADP
ajiss-357	333	32	www.ifsb.org	www.ifsb.org	NUM
ajiss-357	333	33	.	.	PUNCT
ajiss-357	334	1	30	30	NUM
ajiss-357	334	2	.	.	PUNCT
ajiss-357	335	1	m.	m.	PROPN
ajiss-357	335	2	k.	k.	PROPN
ajiss-357	335	3	hassan	hassan	PROPN
ajiss-357	335	4	and	and	CCONJ
ajiss-357	335	5	m.	m.	PROPN
ajiss-357	335	6	f.	f.	PROPN
ajiss-357	335	7	dicle	dicle	PROPN
ajiss-357	335	8	,	,	PUNCT
ajiss-357	335	9	“	"	PUNCT
ajiss-357	335	10	basel	basel	PROPN
ajiss-357	335	11	ii	ii	PROPN
ajiss-357	335	12	and	and	CCONJ
ajiss-357	335	13	regulatory	regulatory	ADJ
ajiss-357	335	14	framework	framework	NOUN
ajiss-357	335	15	for	for	ADP
ajiss-357	335	16	islamic	islamic	ADJ
ajiss-357	335	17	banks	bank	NOUN
ajiss-357	335	18	,	,	PUNCT
ajiss-357	335	19	”	"	PUNCT
ajiss-357	335	20	journal	journal	NOUN
ajiss-357	335	21	of	of	ADP
ajiss-357	335	22	islamic	islamic	ADJ
ajiss-357	335	23	economics	economic	NOUN
ajiss-357	335	24	and	and	CCONJ
ajiss-357	335	25	finance	finance	NOUN
ajiss-357	335	26	1	1	NUM
ajiss-357	335	27	,	,	PUNCT
ajiss-357	335	28	no	no	INTJ
ajiss-357	335	29	.	.	NOUN
ajiss-357	335	30	1	1	NUM
ajiss-357	335	31	(	(	PUNCT
ajiss-357	335	32	2005	2005	NUM
ajiss-357	335	33	):	):	PUNCT
ajiss-357	335	34	17	17	NUM
ajiss-357	335	35	-	-	SYM
ajiss-357	335	36	36	36	NUM
ajiss-357	335	37	.	.	PUNCT
ajiss-357	335	38	31	31	NUM
ajiss-357	335	39	.	.	PUNCT
ajiss-357	335	40	shabsigh	shabsigh	ADJ
ajiss-357	335	41	,	,	PUNCT
ajiss-357	335	42	issues	issue	NOUN
ajiss-357	335	43	in	in	ADP
ajiss-357	335	44	transparency	transparency	NOUN
ajiss-357	335	45	in	in	ADP
ajiss-357	335	46	islamic	islamic	ADJ
ajiss-357	335	47	banking	banking	NOUN
ajiss-357	335	48	.	.	PUNCT
ajiss-357	336	1	32	32	NUM
ajiss-357	336	2	.	.	X
ajiss-357	336	3	ibid	ibid	NOUN
ajiss-357	336	4	.	.	PUNCT
ajiss-357	337	1	33	33	NUM
ajiss-357	337	2	.	.	X
ajiss-357	337	3	chapra	chapra	PROPN
ajiss-357	337	4	and	and	CCONJ
ajiss-357	337	5	khan	khan	PROPN
ajiss-357	337	6	,	,	PUNCT
ajiss-357	337	7	regulation	regulation	NOUN
ajiss-357	337	8	and	and	CCONJ
ajiss-357	337	9	supervision	supervision	NOUN
ajiss-357	337	10	of	of	ADP
ajiss-357	337	11	islamic	islamic	ADJ
ajiss-357	337	12	banks	bank	NOUN
ajiss-357	337	13	.	.	PUNCT
ajiss-357	338	1	34	34	NUM
ajiss-357	338	2	.	.	PUNCT
ajiss-357	338	3	shabsigh	shabsigh	PROPN
ajiss-357	338	4	,	,	PUNCT
ajiss-357	338	5	issues	issue	NOUN
ajiss-357	338	6	in	in	ADP
ajiss-357	338	7	transparency	transparency	NOUN
ajiss-357	338	8	in	in	ADP
ajiss-357	338	9	islamic	islamic	ADJ
ajiss-357	338	10	banking	banking	NOUN
ajiss-357	338	11	.	.	PUNCT
ajiss-357	339	1	35	35	NUM
ajiss-357	339	2	.	.	PUNCT
ajiss-357	339	3	ifsb	ifsb	NOUN
ajiss-357	339	4	,	,	PUNCT
ajiss-357	339	5	“	"	PUNCT
ajiss-357	339	6	guiding	guide	VERB
ajiss-357	339	7	principles	principle	NOUN
ajiss-357	339	8	of	of	ADP
ajiss-357	339	9	risk	risk	NOUN
ajiss-357	339	10	management	management	NOUN
ajiss-357	339	11	for	for	ADP
ajiss-357	339	12	institutions	institution	NOUN
ajiss-357	339	13	(	(	PUNCT
ajiss-357	339	14	other	other	ADJ
ajiss-357	339	15	than	than	ADP
ajiss-357	339	16	insurance	insurance	NOUN
ajiss-357	339	17	institutions	institution	NOUN
ajiss-357	339	18	)	)	PUNCT
ajiss-357	339	19	offering	offer	VERB
ajiss-357	339	20	only	only	ADV
ajiss-357	339	21	islamic	islamic	ADJ
ajiss-357	339	22	financial	financial	ADJ
ajiss-357	339	23	services	service	NOUN
ajiss-357	339	24	(	(	PUNCT
ajiss-357	339	25	iifs	iifs	PROPN
ajiss-357	339	26	)	)	PUNCT
ajiss-357	339	27	,	,	PUNCT
ajiss-357	339	28	”	"	PUNCT
ajiss-357	339	29	2005	2005	NUM
ajiss-357	339	30	.	.	PUNCT
ajiss-357	340	1	online	online	ADV
ajiss-357	340	2	at	at	ADP
ajiss-357	340	3	www.ifsb.org	www.ifsb.org	NUM
ajiss-357	340	4	.	.	PUNCT
ajiss-357	341	1	hassan	hassan	PROPN
ajiss-357	341	2	and	and	CCONJ
ajiss-357	341	3	chowdhury	chowdhury	PROPN
ajiss-357	341	4	:	:	PUNCT
ajiss-357	341	5	islamic	islamic	ADJ
ajiss-357	341	6	banking	banking	NOUN
ajiss-357	341	7	regulations	regulation	NOUN
ajiss-357	341	8	99	99	NUM
ajiss-357	341	9	ajiss-27-1-final-obay.qxp	ajiss-27-1-final-obay.qxp	PROPN
ajiss-357	341	10	6/9/2010	6/9/2010	PROPN
ajiss-357	341	11	4:06	4:06	NUM
ajiss-357	341	12	pm	pm	NOUN
ajiss-357	341	13	page	page	NOUN
ajiss-357	341	14	99	99	NUM
ajiss-357	341	15	pdf	pdf	NOUN
ajiss-357	341	16	created	create	VERB
ajiss-357	341	17	with	with	ADP
ajiss-357	341	18	pdffactory	pdffactory	ADJ
ajiss-357	341	19	pro	pro	ADJ
ajiss-357	341	20	trial	trial	NOUN
ajiss-357	341	21	version	version	NOUN
ajiss-357	341	22	www.pdffactory.com	www.pdffactory.com	X
ajiss-357	341	23	http://www.ifsb.org	http://www.ifsb.org	X
ajiss-357	341	24	http://www.ifsb.org	http://www.ifsb.org	X
ajiss-357	341	25	http://www.ifsb.org	http://www.ifsb.org	X
ajiss-357	341	26	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	341	27	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	342	1	36	36	NUM
ajiss-357	342	2	.	.	PUNCT
ajiss-357	343	1	zaher	zaher	PROPN
ajiss-357	343	2	and	and	CCONJ
ajiss-357	343	3	hassan	hassan	PROPN
ajiss-357	343	4	,	,	PUNCT
ajiss-357	343	5	a	a	DET
ajiss-357	343	6	comparative	comparative	ADJ
ajiss-357	343	7	literature	literature	NOUN
ajiss-357	343	8	survey	survey	NOUN
ajiss-357	343	9	of	of	ADP
ajiss-357	343	10	islamic	islamic	ADJ
ajiss-357	343	11	finance	finance	NOUN
ajiss-357	343	12	.	.	PUNCT
ajiss-357	344	1	37	37	NUM
ajiss-357	344	2	.	.	PUNCT
ajiss-357	345	1	j.	j.	PROPN
ajiss-357	345	2	ahmed	ahmed	PROPN
ajiss-357	345	3	,	,	PUNCT
ajiss-357	345	4	“	"	PUNCT
ajiss-357	345	5	handbook	handbook	NOUN
ajiss-357	345	6	of	of	ADP
ajiss-357	345	7	corporate	corporate	ADJ
ajiss-357	345	8	governance	governance	NOUN
ajiss-357	345	9	,	,	PUNCT
ajiss-357	345	10	”	"	PUNCT
ajiss-357	345	11	state	state	NOUN
ajiss-357	345	12	bank	bank	PROPN
ajiss-357	345	13	of	of	ADP
ajiss-357	345	14	pakistan	pakistan	PROPN
ajiss-357	345	15	,	,	PUNCT
ajiss-357	345	16	2003	2003	NUM
ajiss-357	345	17	.	.	PUNCT
ajiss-357	346	1	38	38	NUM
ajiss-357	346	2	.	.	PUNCT
ajiss-357	346	3	ibid	ibid	NOUN
ajiss-357	346	4	.	.	PUNCT
ajiss-357	346	5	;	;	PUNCT
ajiss-357	346	6	andrei	andrei	NOUN
ajiss-357	346	7	shleifer	shleifer	PROPN
ajiss-357	346	8	and	and	CCONJ
ajiss-357	346	9	robert	robert	PROPN
ajiss-357	346	10	w.	w.	PROPN
ajiss-357	346	11	vishny	vishny	PROPN
ajiss-357	346	12	“	"	PUNCT
ajiss-357	346	13	a	a	DET
ajiss-357	346	14	survey	survey	NOUN
ajiss-357	346	15	of	of	ADP
ajiss-357	346	16	corporate	corporate	ADJ
ajiss-357	346	17	governance	governance	NOUN
ajiss-357	346	18	,	,	PUNCT
ajiss-357	346	19	”	"	PUNCT
ajiss-357	346	20	journal	journal	NOUN
ajiss-357	346	21	of	of	ADP
ajiss-357	346	22	finance	finance	NOUN
ajiss-357	346	23	52	52	NUM
ajiss-357	346	24	,	,	PUNCT
ajiss-357	346	25	no	no	INTJ
ajiss-357	346	26	.	.	NOUN
ajiss-357	346	27	2	2	NUM
ajiss-357	346	28	(	(	PUNCT
ajiss-357	346	29	1997	1997	NUM
ajiss-357	346	30	)	)	PUNCT
ajiss-357	346	31	.	.	PUNCT
ajiss-357	347	1	39	39	NUM
ajiss-357	347	2	.	.	PUNCT
ajiss-357	348	1	m.	m.	PROPN
ajiss-357	348	2	k.	k.	PROPN
ajiss-357	348	3	lewis	lewis	PROPN
ajiss-357	348	4	,	,	PUNCT
ajiss-357	348	5	“	"	PUNCT
ajiss-357	348	6	islamic	islamic	ADJ
ajiss-357	348	7	corporate	corporate	ADJ
ajiss-357	348	8	governance	governance	NOUN
ajiss-357	348	9	,	,	PUNCT
ajiss-357	348	10	”	"	PUNCT
ajiss-357	348	11	review	review	NOUN
ajiss-357	348	12	of	of	ADP
ajiss-357	348	13	islamic	islamic	ADJ
ajiss-357	348	14	economics	economic	NOUN
ajiss-357	348	15	9	9	NUM
ajiss-357	348	16	,	,	PUNCT
ajiss-357	348	17	no	no	INTJ
ajiss-357	348	18	.	.	NOUN
ajiss-357	348	19	1	1	NUM
ajiss-357	348	20	(	(	PUNCT
ajiss-357	348	21	2005	2005	NUM
ajiss-357	348	22	):	):	PUNCT
ajiss-357	348	23	5	5	NUM
ajiss-357	348	24	-	-	SYM
ajiss-357	348	25	29	29	NUM
ajiss-357	348	26	;	;	PUNCT
ajiss-357	348	27	and	and	CCONJ
ajiss-357	348	28	a.	a.	PROPN
ajiss-357	348	29	s.	s.	PROPN
ajiss-357	348	30	khalifa	khalifa	PROPN
ajiss-357	348	31	,	,	PUNCT
ajiss-357	348	32	“	"	PUNCT
ajiss-357	348	33	the	the	DET
ajiss-357	348	34	multidimensional	multidimensional	ADJ
ajiss-357	348	35	nature	nature	NOUN
ajiss-357	348	36	and	and	CCONJ
ajiss-357	348	37	purpose	purpose	NOUN
ajiss-357	348	38	of	of	ADP
ajiss-357	348	39	business	business	NOUN
ajiss-357	348	40	in	in	ADP
ajiss-357	348	41	islam	islam	PROPN
ajiss-357	348	42	:	:	PUNCT
ajiss-357	348	43	accounting	accounting	NOUN
ajiss-357	348	44	,	,	PUNCT
ajiss-357	348	45	commerce	commerce	NOUN
ajiss-357	348	46	,	,	PUNCT
ajiss-357	348	47	and	and	CCONJ
ajiss-357	348	48	finance	finance	NOUN
ajiss-357	348	49	,	,	PUNCT
ajiss-357	348	50	”	"	PUNCT
ajiss-357	348	51	islamic	islamic	ADJ
ajiss-357	348	52	perspec	perspec	PROPN
ajiss-357	348	53	-	-	PUNCT
ajiss-357	348	54	tive	tive	PROPN
ajiss-357	348	55	journal	journal	NOUN
ajiss-357	348	56	7	7	NUM
ajiss-357	348	57	,	,	PUNCT
ajiss-357	348	58	nos	nos	NOUN
ajiss-357	348	59	.	.	PROPN
ajiss-357	348	60	1/2	1/2	NUM
ajiss-357	348	61	(	(	PUNCT
ajiss-357	348	62	2003	2003	NUM
ajiss-357	348	63	):	):	PUNCT
ajiss-357	348	64	1	1	NUM
ajiss-357	348	65	-	-	SYM
ajiss-357	348	66	25	25	NUM
ajiss-357	348	67	.	.	PUNCT
ajiss-357	348	68	40	40	NUM
ajiss-357	348	69	.	.	PUNCT
ajiss-357	349	1	m.	m.	PROPN
ajiss-357	349	2	k.	k.	PROPN
ajiss-357	349	3	hassan	hassan	PROPN
ajiss-357	349	4	and	and	CCONJ
ajiss-357	349	5	m.	m.	PROPN
ajiss-357	349	6	f.	f.	PROPN
ajiss-357	349	7	dicle	dicle	PROPN
ajiss-357	349	8	,	,	PUNCT
ajiss-357	349	9	“	"	PUNCT
ajiss-357	349	10	basel	basel	PROPN
ajiss-357	349	11	ii	ii	PROPN
ajiss-357	349	12	and	and	CCONJ
ajiss-357	349	13	corporate	corporate	ADJ
ajiss-357	349	14	governance	governance	NOUN
ajiss-357	349	15	of	of	ADP
ajiss-357	349	16	islamic	islamic	ADJ
ajiss-357	349	17	banks	bank	NOUN
ajiss-357	349	18	,	,	PUNCT
ajiss-357	349	19	”	"	PUNCT
ajiss-357	349	20	in	in	ADP
ajiss-357	349	21	integrating	integrate	VERB
ajiss-357	349	22	islamic	islamic	ADJ
ajiss-357	349	23	finance	finance	NOUN
ajiss-357	349	24	into	into	ADP
ajiss-357	349	25	the	the	DET
ajiss-357	349	26	mainstream	mainstream	NOUN
ajiss-357	349	27	:	:	PUNCT
ajiss-357	349	28	regulation	regulation	NOUN
ajiss-357	349	29	,	,	PUNCT
ajiss-357	349	30	standardization	standardization	NOUN
ajiss-357	349	31	and	and	CCONJ
ajiss-357	349	32	transparency	transparency	NOUN
ajiss-357	349	33	,	,	PUNCT
ajiss-357	349	34	ed	ed	NOUN
ajiss-357	349	35	.	.	PUNCT
ajiss-357	349	36	nazim	nazim	PROPN
ajiss-357	349	37	ali	ali	PROPN
ajiss-357	349	38	,	,	PUNCT
ajiss-357	349	39	islamic	islamic	ADJ
ajiss-357	349	40	finance	finance	NOUN
ajiss-357	349	41	project	project	NOUN
ajiss-357	349	42	,	,	PUNCT
ajiss-357	349	43	islamic	islamic	ADJ
ajiss-357	349	44	legal	legal	ADJ
ajiss-357	349	45	studies	study	NOUN
ajiss-357	349	46	program	program	NOUN
ajiss-357	349	47	,	,	PUNCT
ajiss-357	349	48	harvard	harvard	PROPN
ajiss-357	349	49	law	law	PROPN
ajiss-357	349	50	school	school	PROPN
ajiss-357	349	51	2007	2007	NUM
ajiss-357	349	52	;	;	PUNCT
ajiss-357	349	53	m.	m.	PROPN
ajiss-357	349	54	u.	u.	PROPN
ajiss-357	349	55	chapra	chapra	PROPN
ajiss-357	349	56	and	and	CCONJ
ajiss-357	349	57	h.	h.	PROPN
ajiss-357	349	58	ahmed	ahmed	PROPN
ajiss-357	349	59	,	,	PUNCT
ajiss-357	349	60	corporate	corporate	ADJ
ajiss-357	349	61	governance	governance	NOUN
ajiss-357	349	62	in	in	ADP
ajiss-357	349	63	islamic	islamic	ADJ
ajiss-357	349	64	financial	financial	ADJ
ajiss-357	349	65	institutions	institution	NOUN
ajiss-357	349	66	(	(	PUNCT
ajiss-357	349	67	jeddah	jeddah	PROPN
ajiss-357	349	68	:	:	PUNCT
ajiss-357	349	69	irti	irti	PROPN
ajiss-357	349	70	,	,	PUNCT
ajiss-357	349	71	2002	2002	NUM
ajiss-357	349	72	)	)	PUNCT
ajiss-357	349	73	.	.	PUNCT
ajiss-357	350	1	41	41	NUM
ajiss-357	350	2	.	.	PUNCT
ajiss-357	350	3	ifsb	ifsb	PROPN
ajiss-357	350	4	,	,	PUNCT
ajiss-357	350	5	“	"	PUNCT
ajiss-357	350	6	guiding	guide	VERB
ajiss-357	350	7	principles	principle	NOUN
ajiss-357	350	8	on	on	ADP
ajiss-357	350	9	corporate	corporate	ADJ
ajiss-357	350	10	governance	governance	NOUN
ajiss-357	350	11	for	for	ADP
ajiss-357	350	12	institutions	institution	NOUN
ajiss-357	350	13	offering	offer	VERB
ajiss-357	350	14	only	only	ADV
ajiss-357	350	15	islamic	islamic	ADJ
ajiss-357	350	16	financial	financial	ADJ
ajiss-357	350	17	services	service	NOUN
ajiss-357	350	18	(	(	PUNCT
ajiss-357	350	19	excluding	exclude	VERB
ajiss-357	350	20	islamic	islamic	ADJ
ajiss-357	350	21	insurance	insurance	NOUN
ajiss-357	350	22	(	(	PUNCT
ajiss-357	350	23	takaful	takaful	ADJ
ajiss-357	350	24	)	)	PUNCT
ajiss-357	350	25	institutions	institution	NOUN
ajiss-357	350	26	and	and	CCONJ
ajiss-357	350	27	islamic	islamic	ADJ
ajiss-357	350	28	mutual	mutual	ADJ
ajiss-357	350	29	funds	fund	NOUN
ajiss-357	350	30	,	,	PUNCT
ajiss-357	350	31	”	"	PUNCT
ajiss-357	350	32	2006	2006	NUM
ajiss-357	350	33	.	.	PUNCT
ajiss-357	351	1	online	online	ADV
ajiss-357	351	2	at	at	ADP
ajiss-357	351	3	www.ifsb.org	www.ifsb.org	NUM
ajiss-357	351	4	;	;	PUNCT
ajiss-357	351	5	and	and	CCONJ
ajiss-357	351	6	m.	m.	PROPN
ajiss-357	351	7	k.	k.	PROPN
ajiss-357	351	8	hassan	hassan	PROPN
ajiss-357	351	9	,	,	PUNCT
ajiss-357	351	10	d.	d.	PROPN
ajiss-357	351	11	r.	r.	PROPN
ajiss-357	351	12	wolfe	wolfe	PROPN
ajiss-357	351	13	,	,	PUNCT
ajiss-357	351	14	and	and	CCONJ
ajiss-357	351	15	n.	n.	PROPN
ajiss-357	351	16	c.	c.	PROPN
ajiss-357	351	17	maroney	maroney	PROPN
ajiss-357	351	18	,	,	PUNCT
ajiss-357	351	19	“	"	PUNCT
ajiss-357	351	20	corporate	corporate	ADJ
ajiss-357	351	21	control	control	NOUN
ajiss-357	351	22	and	and	CCONJ
ajiss-357	351	23	governance	governance	NOUN
ajiss-357	351	24	in	in	ADP
ajiss-357	351	25	banking	banking	NOUN
ajiss-357	351	26	,	,	PUNCT
ajiss-357	351	27	”	"	PUNCT
ajiss-357	351	28	development	development	NOUN
ajiss-357	351	29	of	of	ADP
ajiss-357	351	30	economics	economic	NOUN
ajiss-357	351	31	and	and	CCONJ
ajiss-357	351	32	finance	finance	PROPN
ajiss-357	351	33	(	(	PUNCT
ajiss-357	351	34	usa	usa	NOUN
ajiss-357	351	35	:	:	PUNCT
ajiss-357	351	36	university	university	NOUN
ajiss-357	351	37	of	of	ADP
ajiss-357	351	38	new	new	PROPN
ajiss-357	351	39	orleans	orleans	PROPN
ajiss-357	351	40	,	,	PUNCT
ajiss-357	351	41	2004	2004	NUM
ajiss-357	351	42	)	)	PUNCT
ajiss-357	351	43	.	.	PUNCT
ajiss-357	352	1	42	42	NUM
ajiss-357	352	2	.	.	PUNCT
ajiss-357	352	3	ibid	ibid	NOUN
ajiss-357	352	4	.	.	PUNCT
ajiss-357	353	1	43	43	NUM
ajiss-357	353	2	.	.	PUNCT
ajiss-357	353	3	a.	a.	PROPN
ajiss-357	353	4	n.	n.	PROPN
ajiss-357	353	5	berger	berger	PROPN
ajiss-357	353	6	,	,	PUNCT
ajiss-357	353	7	“	"	PUNCT
ajiss-357	353	8	market	market	NOUN
ajiss-357	353	9	discipline	discipline	NOUN
ajiss-357	353	10	in	in	ADP
ajiss-357	353	11	banking	banking	NOUN
ajiss-357	353	12	,	,	PUNCT
ajiss-357	353	13	”	"	PUNCT
ajiss-357	353	14	federal	federal	PROPN
ajiss-357	353	15	reserve	reserve	PROPN
ajiss-357	353	16	bank	bank	PROPN
ajiss-357	353	17	of	of	ADP
ajiss-357	353	18	chicago	chicago	PROPN
ajiss-357	353	19	,	,	PUNCT
ajiss-357	353	20	may	may	PROPN
ajiss-357	353	21	1991	1991	NUM
ajiss-357	353	22	;	;	PUNCT
ajiss-357	353	23	and	and	CCONJ
ajiss-357	353	24	r.	r.	PROPN
ajiss-357	353	25	r.	r.	PROPN
ajiss-357	353	26	bliss	bliss	PROPN
ajiss-357	353	27	and	and	CCONJ
ajiss-357	353	28	m.	m.	PROPN
ajiss-357	353	29	j.	j.	PROPN
ajiss-357	353	30	flanners	flanners	PROPN
ajiss-357	353	31	,	,	PUNCT
ajiss-357	353	32	“	"	PUNCT
ajiss-357	353	33	market	market	NOUN
ajiss-357	353	34	discipline	discipline	NOUN
ajiss-357	353	35	in	in	ADP
ajiss-357	353	36	the	the	DET
ajiss-357	353	37	government	government	NOUN
ajiss-357	353	38	of	of	ADP
ajiss-357	353	39	the	the	DET
ajiss-357	353	40	u.s	u.s	PROPN
ajiss-357	353	41	.	.	PROPN
ajiss-357	353	42	bank	bank	PROPN
ajiss-357	353	43	holding	hold	VERB
ajiss-357	353	44	companies	company	NOUN
ajiss-357	353	45	monitoring	monitor	VERB
ajiss-357	353	46	versus	versus	ADP
ajiss-357	353	47	influence	influence	NOUN
ajiss-357	353	48	,	,	PUNCT
ajiss-357	353	49	”	"	PUNCT
ajiss-357	353	50	european	european	PROPN
ajiss-357	353	51	finance	finance	PROPN
ajiss-357	353	52	review	review	PROPN
ajiss-357	353	53	,	,	PUNCT
ajiss-357	353	54	vol	vol	NOUN
ajiss-357	353	55	.	.	PROPN
ajiss-357	353	56	5	5	NUM
ajiss-357	353	57	(	(	PUNCT
ajiss-357	353	58	2001	2001	NUM
ajiss-357	353	59	)	)	PUNCT
ajiss-357	353	60	and	and	CCONJ
ajiss-357	353	61	vol	vol	NOUN
ajiss-357	353	62	.	.	PROPN
ajiss-357	353	63	6	6	NUM
ajiss-357	353	64	(	(	PUNCT
ajiss-357	353	65	2002	2002	NUM
ajiss-357	353	66	)	)	PUNCT
ajiss-357	353	67	.	.	PUNCT
ajiss-357	354	1	44	44	NUM
ajiss-357	354	2	.	.	PUNCT
ajiss-357	354	3	a.	a.	PROPN
ajiss-357	354	4	crockett	crockett	PROPN
ajiss-357	354	5	,	,	PUNCT
ajiss-357	354	6	“	"	PUNCT
ajiss-357	354	7	market	market	NOUN
ajiss-357	354	8	discipline	discipline	NOUN
ajiss-357	354	9	and	and	CCONJ
ajiss-357	354	10	financial	financial	ADJ
ajiss-357	354	11	stability	stability	NOUN
ajiss-357	354	12	.	.	PUNCT
ajiss-357	354	13	”	"	PUNCT
ajiss-357	355	1	(	(	PUNCT
ajiss-357	355	2	speech	speech	NOUN
ajiss-357	355	3	delivered	deliver	VERB
ajiss-357	355	4	on	on	ADP
ajiss-357	355	5	banks	bank	NOUN
ajiss-357	355	6	and	and	CCONJ
ajiss-357	355	7	systemic	systemic	ADJ
ajiss-357	355	8	risk	risk	NOUN
ajiss-357	355	9	at	at	ADP
ajiss-357	355	10	the	the	DET
ajiss-357	355	11	bank	bank	PROPN
ajiss-357	355	12	of	of	ADP
ajiss-357	355	13	england	england	PROPN
ajiss-357	355	14	conference	conference	PROPN
ajiss-357	355	15	,	,	PUNCT
ajiss-357	355	16	london	london	PROPN
ajiss-357	355	17	,	,	PUNCT
ajiss-357	355	18	may	may	PROPN
ajiss-357	355	19	2001	2001	NUM
ajiss-357	355	20	)	)	PUNCT
ajiss-357	355	21	.	.	PUNCT
ajiss-357	356	1	45	45	NUM
ajiss-357	356	2	.	.	PUNCT
ajiss-357	356	3	a.	a.	PROPN
ajiss-357	356	4	sironi	sironi	PROPN
ajiss-357	356	5	,	,	PUNCT
ajiss-357	356	6	“	"	PUNCT
ajiss-357	356	7	testing	test	VERB
ajiss-357	356	8	for	for	ADP
ajiss-357	356	9	market	market	NOUN
ajiss-357	356	10	discipline	discipline	NOUN
ajiss-357	356	11	in	in	ADP
ajiss-357	356	12	the	the	DET
ajiss-357	356	13	european	european	ADJ
ajiss-357	356	14	banking	banking	NOUN
ajiss-357	356	15	industry	industry	NOUN
ajiss-357	356	16	:	:	PUNCT
ajiss-357	356	17	evidence	evidence	NOUN
ajiss-357	356	18	from	from	ADP
ajiss-357	356	19	subordinated	subordinated	ADJ
ajiss-357	356	20	debt	debt	NOUN
ajiss-357	356	21	issues	issue	NOUN
ajiss-357	356	22	,	,	PUNCT
ajiss-357	356	23	”	"	PUNCT
ajiss-357	356	24	board	board	NOUN
ajiss-357	356	25	of	of	ADP
ajiss-357	356	26	governors	governor	NOUN
ajiss-357	356	27	of	of	ADP
ajiss-357	356	28	federal	federal	PROPN
ajiss-357	356	29	reserve	reserve	PROPN
ajiss-357	356	30	system	system	NOUN
ajiss-357	356	31	,	,	PUNCT
ajiss-357	356	32	finance	finance	NOUN
ajiss-357	356	33	and	and	CCONJ
ajiss-357	356	34	economics	economic	NOUN
ajiss-357	356	35	discussion	discussion	NOUN
ajiss-357	356	36	paper	paper	NOUN
ajiss-357	356	37	,	,	PUNCT
ajiss-357	356	38	no	no	INTJ
ajiss-357	356	39	.	.	NOUN
ajiss-357	356	40	40	40	NUM
ajiss-357	356	41	(	(	PUNCT
ajiss-357	356	42	2000	2000	NUM
ajiss-357	356	43	)	)	PUNCT
ajiss-357	356	44	;	;	PUNCT
ajiss-357	356	45	m.	m.	NOUN
ajiss-357	356	46	s.	s.	PROPN
ajiss-357	356	47	peria	peria	PROPN
ajiss-357	356	48	and	and	CCONJ
ajiss-357	356	49	s.	s.	PROPN
ajiss-357	356	50	l.	l.	PROPN
ajiss-357	356	51	schmukler	schmukler	PROPN
ajiss-357	356	52	,	,	PUNCT
ajiss-357	356	53	“	"	PUNCT
ajiss-357	356	54	do	do	AUX
ajiss-357	356	55	depositors	depositor	NOUN
ajiss-357	356	56	punish	punish	VERB
ajiss-357	356	57	banks	bank	NOUN
ajiss-357	356	58	for	for	ADP
ajiss-357	356	59	‘	'	PUNCT
ajiss-357	356	60	bad	bad	ADJ
ajiss-357	356	61	’	'	PUNCT
ajiss-357	356	62	behavior	behavior	NOUN
ajiss-357	356	63	?	?	PUNCT
ajiss-357	356	64	:	:	PUNCT
ajiss-357	356	65	market	market	NOUN
ajiss-357	356	66	discipline	discipline	NOUN
ajiss-357	356	67	,	,	PUNCT
ajiss-357	356	68	deposit	deposit	NOUN
ajiss-357	356	69	insurance	insurance	NOUN
ajiss-357	356	70	,	,	PUNCT
ajiss-357	356	71	and	and	CCONJ
ajiss-357	356	72	banking	banking	NOUN
ajiss-357	356	73	crisis	crisis	NOUN
ajiss-357	356	74	”	"	PUNCT
ajiss-357	356	75	(	(	PUNCT
ajiss-357	356	76	working	working	NOUN
ajiss-357	356	77	paper	paper	NOUN
ajiss-357	356	78	,	,	PUNCT
ajiss-357	356	79	world	world	PROPN
ajiss-357	356	80	bank	bank	PROPN
ajiss-357	356	81	,	,	PUNCT
ajiss-357	356	82	washington	washington	PROPN
ajiss-357	356	83	,	,	PUNCT
ajiss-357	356	84	dc	dc	PROPN
ajiss-357	356	85	:	:	PUNCT
ajiss-357	356	86	1999	1999	NUM
ajiss-357	356	87	)	)	PUNCT
ajiss-357	356	88	;	;	PUNCT
ajiss-357	356	89	d.	d.	PROPN
ajiss-357	356	90	kliger	kliger	PROPN
ajiss-357	356	91	and	and	CCONJ
ajiss-357	356	92	o.	o.	PROPN
ajiss-357	356	93	sarig	sarig	PROPN
ajiss-357	356	94	,	,	PUNCT
ajiss-357	356	95	“	"	PUNCT
ajiss-357	356	96	the	the	DET
ajiss-357	356	97	information	information	NOUN
ajiss-357	356	98	value	value	NOUN
ajiss-357	356	99	of	of	ADP
ajiss-357	356	100	bond	bond	NOUN
ajiss-357	356	101	ratings	rating	NOUN
ajiss-357	356	102	,	,	PUNCT
ajiss-357	356	103	”	"	PUNCT
ajiss-357	356	104	journal	journal	NOUN
ajiss-357	356	105	of	of	ADP
ajiss-357	356	106	finance	finance	NOUN
ajiss-357	356	107	55	55	NUM
ajiss-357	356	108	,	,	PUNCT
ajiss-357	356	109	no	no	INTJ
ajiss-357	356	110	.	.	NOUN
ajiss-357	356	111	6	6	NUM
ajiss-357	356	112	(	(	PUNCT
ajiss-357	356	113	2000	2000	NUM
ajiss-357	356	114	)	)	PUNCT
ajiss-357	356	115	;	;	PUNCT
ajiss-357	356	116	u.	u.	PROPN
ajiss-357	356	117	baumann	baumann	PROPN
ajiss-357	356	118	and	and	CCONJ
ajiss-357	356	119	e.	e.	PROPN
ajiss-357	356	120	nier	nier	PROPN
ajiss-357	356	121	,	,	PUNCT
ajiss-357	356	122	“	"	PUNCT
ajiss-357	356	123	market	market	NOUN
ajiss-357	356	124	discipline	discipline	NOUN
ajiss-357	356	125	and	and	CCONJ
ajiss-357	356	126	financial	financial	ADJ
ajiss-357	356	127	stability	stability	NOUN
ajiss-357	356	128	:	:	PUNCT
ajiss-357	356	129	some	some	DET
ajiss-357	356	130	empirical	empirical	ADJ
ajiss-357	356	131	evidence	evidence	NOUN
ajiss-357	356	132	,	,	PUNCT
ajiss-357	356	133	”	"	PUNCT
ajiss-357	356	134	financial	financial	ADJ
ajiss-357	356	135	stability	stability	NOUN
ajiss-357	356	136	review	review	NOUN
ajiss-357	356	137	(	(	PUNCT
ajiss-357	356	138	june	june	PROPN
ajiss-357	356	139	2003	2003	NUM
ajiss-357	356	140	)	)	PUNCT
ajiss-357	356	141	;	;	PUNCT
ajiss-357	356	142	u.	u.	PROPN
ajiss-357	356	143	w.	w.	PROPN
ajiss-357	356	144	birchler	birchler	PROPN
ajiss-357	356	145	and	and	CCONJ
ajiss-357	356	146	m.	m.	NOUN
ajiss-357	356	147	maechler	maechler	NOUN
ajiss-357	356	148	,	,	PUNCT
ajiss-357	356	149	“	"	PUNCT
ajiss-357	356	150	do	do	AUX
ajiss-357	356	151	depositors	depositor	NOUN
ajiss-357	356	152	discipline	discipline	VERB
ajiss-357	356	153	swiss	swiss	ADJ
ajiss-357	356	154	banks	bank	NOUN
ajiss-357	356	155	?	?	PUNCT
ajiss-357	356	156	”	"	PUNCT
ajiss-357	356	157	in	in	ADP
ajiss-357	356	158	research	research	NOUN
ajiss-357	356	159	in	in	ADP
ajiss-357	356	160	financial	financial	ADJ
ajiss-357	356	161	services	service	NOUN
ajiss-357	356	162	,	,	PUNCT
ajiss-357	356	163	ed	ed	NOUN
ajiss-357	356	164	.	.	PROPN
ajiss-357	356	165	,	,	PUNCT
ajiss-357	357	1	g.	g.	PROPN
ajiss-357	357	2	kaufman	kaufman	PROPN
ajiss-357	357	3	,	,	PUNCT
ajiss-357	357	4	vol	vol	NOUN
ajiss-357	357	5	.	.	PROPN
ajiss-357	357	6	14	14	NUM
ajiss-357	357	7	(	(	PUNCT
ajiss-357	357	8	2002	2002	NUM
ajiss-357	357	9	)	)	PUNCT
ajiss-357	357	10	;	;	PUNCT
ajiss-357	357	11	j.	j.	PROPN
ajiss-357	357	12	blum	blum	PROPN
ajiss-357	357	13	,	,	PUNCT
ajiss-357	357	14	“	"	PUNCT
ajiss-357	357	15	subordinated	subordinated	ADJ
ajiss-357	357	16	debt	debt	NOUN
ajiss-357	357	17	,	,	PUNCT
ajiss-357	357	18	market	market	NOUN
ajiss-357	357	19	discipline	discipline	NOUN
ajiss-357	357	20	,	,	PUNCT
ajiss-357	357	21	and	and	CCONJ
ajiss-357	357	22	bank	bank	NOUN
ajiss-357	357	23	risk	risk	NOUN
ajiss-357	357	24	taking	taking	NOUN
ajiss-357	357	25	,	,	PUNCT
ajiss-357	357	26	”	"	PUNCT
ajiss-357	357	27	journal	journal	NOUN
ajiss-357	357	28	of	of	ADP
ajiss-357	357	29	banking	banking	NOUN
ajiss-357	357	30	and	and	CCONJ
ajiss-357	357	31	finance	finance	NOUN
ajiss-357	357	32	26	26	NUM
ajiss-357	357	33	,	,	PUNCT
ajiss-357	357	34	no	no	INTJ
ajiss-357	357	35	.	.	NOUN
ajiss-357	357	36	7	7	NUM
ajiss-357	357	37	(	(	PUNCT
ajiss-357	357	38	2002	2002	NUM
ajiss-357	357	39	)	)	PUNCT
ajiss-357	357	40	;	;	PUNCT
ajiss-357	357	41	t.	t.	PROPN
ajiss-357	357	42	cordella	cordella	PROPN
ajiss-357	357	43	and	and	CCONJ
ajiss-357	357	44	e.	e.	PROPN
ajiss-357	357	45	l.	l.	PROPN
ajiss-357	357	46	yeyatti	yeyatti	PROPN
ajiss-357	357	47	,	,	PUNCT
ajiss-357	357	48	“	"	PUNCT
ajiss-357	357	49	public	public	ADJ
ajiss-357	357	50	disclosure	disclosure	NOUN
ajiss-357	357	51	and	and	CCONJ
ajiss-357	357	52	bank	bank	NOUN
ajiss-357	357	53	failures	failure	NOUN
ajiss-357	357	54	,	,	PUNCT
ajiss-357	357	55	”	"	PUNCT
ajiss-357	357	56	imf	imf	PROPN
ajiss-357	357	57	staff	staff	NOUN
ajiss-357	357	58	paper	paper	NOUN
ajiss-357	357	59	45	45	NUM
ajiss-357	357	60	,	,	PUNCT
ajiss-357	357	61	no	no	INTJ
ajiss-357	357	62	.	.	NOUN
ajiss-357	357	63	1	1	NUM
ajiss-357	357	64	(	(	PUNCT
ajiss-357	357	65	march	march	NOUN
ajiss-357	357	66	1998	1998	NUM
ajiss-357	357	67	)	)	PUNCT
ajiss-357	357	68	.	.	PUNCT
ajiss-357	358	1	100	100	NUM
ajiss-357	358	2	the	the	DET
ajiss-357	358	3	american	american	PROPN
ajiss-357	358	4	journal	journal	PROPN
ajiss-357	358	5	of	of	ADP
ajiss-357	358	6	islamic	islamic	ADJ
ajiss-357	358	7	social	social	PROPN
ajiss-357	358	8	sciences	sciences	PROPN
ajiss-357	358	9	27:1	27:1	NUM
ajiss-357	358	10	ajiss-27-1-final-obay.qxp	ajiss-27-1-final-obay.qxp	PROPN
ajiss-357	358	11	6/9/2010	6/9/2010	NUM
ajiss-357	358	12	4:06	4:06	NUM
ajiss-357	358	13	pm	pm	NOUN
ajiss-357	358	14	page	page	NOUN
ajiss-357	358	15	100	100	NUM
ajiss-357	358	16	pdf	pdf	NOUN
ajiss-357	358	17	created	create	VERB
ajiss-357	358	18	with	with	ADP
ajiss-357	358	19	pdffactory	pdffactory	ADJ
ajiss-357	358	20	pro	pro	ADJ
ajiss-357	358	21	trial	trial	NOUN
ajiss-357	358	22	version	version	NOUN
ajiss-357	358	23	www.pdffactory.com	www.pdffactory.com	X
ajiss-357	358	24	http://www.ifsb.org	http://www.ifsb.org	NUM
ajiss-357	358	25	;	;	PUNCT
ajiss-357	358	26	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	358	27	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	359	1	46	46	NUM
ajiss-357	359	2	.	.	PUNCT
ajiss-357	359	3	m.	m.	NOUN
ajiss-357	359	4	bahrami	bahrami	NOUN
ajiss-357	359	5	,	,	PUNCT
ajiss-357	359	6	“	"	PUNCT
ajiss-357	359	7	risk	risk	NOUN
ajiss-357	359	8	management	management	NOUN
ajiss-357	359	9	in	in	ADP
ajiss-357	359	10	compliance	compliance	NOUN
ajiss-357	359	11	with	with	ADP
ajiss-357	359	12	the	the	DET
ajiss-357	359	13	new	new	ADJ
ajiss-357	359	14	basel	basel	PROPN
ajiss-357	359	15	accord	accord	NOUN
ajiss-357	359	16	”	"	PUNCT
ajiss-357	359	17	(	(	PUNCT
ajiss-357	359	18	paper	paper	NOUN
ajiss-357	359	19	presented	present	VERB
ajiss-357	359	20	at	at	ADP
ajiss-357	359	21	the	the	DET
ajiss-357	359	22	world	world	NOUN
ajiss-357	359	23	islamic	islamic	PROPN
ajiss-357	359	24	banking	banking	PROPN
ajiss-357	359	25	conference	conference	NOUN
ajiss-357	359	26	,	,	PUNCT
ajiss-357	359	27	2002	2002	NUM
ajiss-357	359	28	)	)	PUNCT
ajiss-357	359	29	.	.	PUNCT
ajiss-357	360	1	47	47	NUM
ajiss-357	360	2	.	.	PUNCT
ajiss-357	361	1	shabsigh	shabsigh	ADJ
ajiss-357	361	2	,	,	PUNCT
ajiss-357	361	3	issues	issue	NOUN
ajiss-357	361	4	in	in	ADP
ajiss-357	361	5	transparency	transparency	NOUN
ajiss-357	361	6	in	in	ADP
ajiss-357	361	7	islamic	islamic	ADJ
ajiss-357	361	8	banking	banking	NOUN
ajiss-357	361	9	.	.	PUNCT
ajiss-357	362	1	48	48	NUM
ajiss-357	362	2	.	.	X
ajiss-357	362	3	chapra	chapra	PROPN
ajiss-357	362	4	and	and	CCONJ
ajiss-357	362	5	khan	khan	PROPN
ajiss-357	362	6	,	,	PUNCT
ajiss-357	362	7	regulation	regulation	NOUN
ajiss-357	362	8	and	and	CCONJ
ajiss-357	362	9	supervision	supervision	NOUN
ajiss-357	362	10	of	of	ADP
ajiss-357	362	11	islamic	islamic	ADJ
ajiss-357	362	12	banks	bank	NOUN
ajiss-357	362	13	.	.	PUNCT
ajiss-357	363	1	49	49	NUM
ajiss-357	363	2	.	.	PUNCT
ajiss-357	364	1	rasem	rasem	ADJ
ajiss-357	364	2	n.	n.	PROPN
ajiss-357	364	3	kayed	kaye	VERB
ajiss-357	364	4	and	and	CCONJ
ajiss-357	364	5	m.	m.	PROPN
ajiss-357	364	6	kabir	kabir	PROPN
ajiss-357	364	7	hassan	hassan	PROPN
ajiss-357	364	8	.	.	PUNCT
ajiss-357	365	1	“	"	PUNCT
ajiss-357	365	2	the	the	DET
ajiss-357	365	3	global	global	ADJ
ajiss-357	365	4	financial	financial	ADJ
ajiss-357	365	5	crisis	crisis	NOUN
ajiss-357	365	6	and	and	CCONJ
ajiss-357	365	7	the	the	DET
ajiss-357	365	8	islamic	islamic	ADJ
ajiss-357	365	9	finance	finance	NOUN
ajiss-357	365	10	solution	solution	NOUN
ajiss-357	365	11	”	"	PUNCT
ajiss-357	365	12	(	(	PUNCT
ajiss-357	365	13	working	working	NOUN
ajiss-357	365	14	paper	paper	NOUN
ajiss-357	365	15	,	,	PUNCT
ajiss-357	365	16	university	university	NOUN
ajiss-357	365	17	of	of	ADP
ajiss-357	365	18	new	new	PROPN
ajiss-357	365	19	orleans	orleans	PROPN
ajiss-357	365	20	:	:	PUNCT
ajiss-357	365	21	2009	2009	NUM
ajiss-357	365	22	.	.	PUNCT
ajiss-357	366	1	50	50	NUM
ajiss-357	366	2	.	.	X
ajiss-357	366	3	ibid	ibid	NOUN
ajiss-357	366	4	.	.	PUNCT
ajiss-357	367	1	51	51	NUM
ajiss-357	367	2	.	.	PUNCT
ajiss-357	367	3	l.	l.	PROPN
ajiss-357	367	4	totaro	totaro	PROPN
ajiss-357	367	5	,	,	PUNCT
ajiss-357	367	6	“	"	PUNCT
ajiss-357	367	7	vatican	vatican	PROPN
ajiss-357	367	8	says	say	VERB
ajiss-357	367	9	islamic	islamic	PROPN
ajiss-357	367	10	finance	finance	PROPN
ajiss-357	367	11	may	may	AUX
ajiss-357	367	12	help	help	VERB
ajiss-357	367	13	western	western	ADJ
ajiss-357	367	14	banks	bank	NOUN
ajiss-357	367	15	in	in	ADP
ajiss-357	367	16	crisis	crisis	NOUN
ajiss-357	367	17	.	.	PUNCT
ajiss-357	367	18	”	"	PUNCT
ajiss-357	367	19	retrieved	retrieve	VERB
ajiss-357	367	20	26	26	NUM
ajiss-357	367	21	march	march	NOUN
ajiss-357	367	22	2009	2009	NUM
ajiss-357	367	23	from	from	ADP
ajiss-357	367	24	www.bloomberg.com/apps/news	www.bloomberg.com/apps/news	PROPN
ajiss-357	367	25	.	.	PROPN
ajiss-357	367	26	52	52	NUM
ajiss-357	367	27	.	.	PUNCT
ajiss-357	368	1	i	i	PRON
ajiss-357	368	2	özturk	özturk	VERB
ajiss-357	368	3	,	,	PUNCT
ajiss-357	368	4	“	"	PUNCT
ajiss-357	368	5	global	global	ADJ
ajiss-357	368	6	financial	financial	ADJ
ajiss-357	368	7	crisis	crisis	NOUN
ajiss-357	368	8	highlights	highlight	NOUN
ajiss-357	368	9	benefits	benefit	NOUN
ajiss-357	368	10	of	of	ADP
ajiss-357	368	11	islamic	islamic	ADJ
ajiss-357	368	12	finance	finance	NOUN
ajiss-357	368	13	.	.	PUNCT
ajiss-357	368	14	”	"	PUNCT
ajiss-357	368	15	retrieved	retrieve	VERB
ajiss-357	368	16	23	23	NUM
ajiss-357	368	17	november	november	PROPN
ajiss-357	368	18	2008	2008	NUM
ajiss-357	368	19	from	from	ADP
ajiss-357	368	20	www.todayszaman.com/tz-web/yazar	www.todayszaman.com/tz-web/yazar	NOUN
ajiss-357	368	21	detay.do?haberno	detay.do?haberno	NOUN
ajiss-357	368	22	.	.	PUNCT
ajiss-357	369	1	53	53	NUM
ajiss-357	369	2	.	.	PUNCT
ajiss-357	369	3	m.	m.	NOUN
ajiss-357	369	4	n.	n.	PROPN
ajiss-357	369	5	siddiqi	siddiqi	PROPN
ajiss-357	369	6	,	,	PUNCT
ajiss-357	369	7	“	"	PUNCT
ajiss-357	369	8	current	current	ADJ
ajiss-357	369	9	financial	financial	ADJ
ajiss-357	369	10	crisis	crisis	NOUN
ajiss-357	369	11	and	and	CCONJ
ajiss-357	369	12	islamic	islamic	ADJ
ajiss-357	369	13	economics	economic	NOUN
ajiss-357	369	14	,	,	PUNCT
ajiss-357	369	15	”	"	PUNCT
ajiss-357	369	16	2008	2008	NUM
ajiss-357	369	17	.	.	PUNCT
ajiss-357	370	1	retrieved	retrieve	VERB
ajiss-357	370	2	7	7	NUM
ajiss-357	370	3	january	january	NOUN
ajiss-357	370	4	2009	2009	NUM
ajiss-357	370	5	from	from	ADP
ajiss-357	370	6	:	:	SYM
ajiss-357	370	7	www.siddiqi.com/mns	www.siddiqi.com/mns	PROPN
ajiss-357	370	8	.	.	PUNCT
ajiss-357	370	9	54	54	NUM
ajiss-357	370	10	.	.	PUNCT
ajiss-357	371	1	ibid	ibid	NOUN
ajiss-357	371	2	.	.	PUNCT
ajiss-357	372	1	55	55	NUM
ajiss-357	372	2	.	.	PUNCT
ajiss-357	373	1	john	john	PROPN
ajiss-357	373	2	m.	m.	PROPN
ajiss-357	373	3	pachkowski	pachkowski	PROPN
ajiss-357	373	4	,	,	PUNCT
ajiss-357	373	5	“	"	PUNCT
ajiss-357	373	6	improvements	improvement	NOUN
ajiss-357	373	7	to	to	ADP
ajiss-357	373	8	basel	basel	PROPN
ajiss-357	373	9	ii	ii	PROPN
ajiss-357	373	10	approved	approve	VERB
ajiss-357	373	11	.	.	PUNCT
ajiss-357	373	12	”	"	PUNCT
ajiss-357	374	1	available	available	ADJ
ajiss-357	374	2	at	at	ADP
ajiss-357	374	3	www	www	PROPN
ajiss-357	374	4	.	.	PROPN
ajiss-357	374	5	financialcrisisupdate.com/2009/07/improvements-to-basel-ii-approved.html	financialcrisisupdate.com/2009/07/improvements-to-basel-ii-approved.html	PROPN
ajiss-357	374	6	.	.	PUNCT
ajiss-357	375	1	accessed	access	VERB
ajiss-357	375	2	1	1	NUM
ajiss-357	375	3	december	december	PROPN
ajiss-357	375	4	2009	2009	NUM
ajiss-357	375	5	.	.	PUNCT
ajiss-357	376	1	56	56	NUM
ajiss-357	376	2	.	.	PUNCT
ajiss-357	377	1	h.	h.	PROPN
ajiss-357	377	2	ahmed	ahmed	PROPN
ajiss-357	377	3	,	,	PUNCT
ajiss-357	377	4	“	"	PUNCT
ajiss-357	377	5	financial	financial	ADJ
ajiss-357	377	6	crisis	crisis	NOUN
ajiss-357	377	7	,	,	PUNCT
ajiss-357	377	8	risks	risk	NOUN
ajiss-357	377	9	and	and	CCONJ
ajiss-357	377	10	lessons	lesson	NOUN
ajiss-357	377	11	for	for	ADP
ajiss-357	377	12	islamic	islamic	ADJ
ajiss-357	377	13	finance	finance	NOUN
ajiss-357	377	14	”	"	PUNCT
ajiss-357	377	15	(	(	PUNCT
ajiss-357	377	16	paper	paper	NOUN
ajiss-357	377	17	presented	present	VERB
ajiss-357	377	18	at	at	ADP
ajiss-357	377	19	the	the	DET
ajiss-357	377	20	harvard	harvard	PROPN
ajiss-357	377	21	-	-	PUNCT
ajiss-357	377	22	lse	lse	PROPN
ajiss-357	377	23	workshop	workshop	NOUN
ajiss-357	377	24	on	on	ADP
ajiss-357	377	25	risk	risk	NOUN
ajiss-357	377	26	management	management	NOUN
ajiss-357	377	27	[	[	X
ajiss-357	377	28	islamic	islamic	ADJ
ajiss-357	377	29	economics	economic	NOUN
ajiss-357	377	30	and	and	CCONJ
ajiss-357	377	31	islamic	islamic	ADJ
ajiss-357	377	32	ethico	ethico	NOUN
ajiss-357	377	33	-	-	ADJ
ajiss-357	377	34	legal	legal	ADJ
ajiss-357	377	35	perspectives	perspective	NOUN
ajiss-357	377	36	on	on	ADP
ajiss-357	377	37	current	current	ADJ
ajiss-357	377	38	financial	financial	ADJ
ajiss-357	377	39	crisis	crisis	NOUN
ajiss-357	377	40	]	]	PUNCT
ajiss-357	377	41	,	,	PUNCT
ajiss-357	377	42	london	london	PROPN
ajiss-357	377	43	school	school	NOUN
ajiss-357	377	44	of	of	ADP
ajiss-357	377	45	economics	economic	NOUN
ajiss-357	377	46	,	,	PUNCT
ajiss-357	377	47	26	26	NUM
ajiss-357	377	48	february	february	NOUN
ajiss-357	377	49	2009	2009	NUM
ajiss-357	377	50	.	.	PUNCT
ajiss-357	378	1	57	57	NUM
ajiss-357	378	2	.	.	X
ajiss-357	378	3	ibid	ibid	NOUN
ajiss-357	378	4	.	.	PUNCT
ajiss-357	379	1	58	58	NUM
ajiss-357	379	2	.	.	PUNCT
ajiss-357	380	1	m.	m.	PROPN
ajiss-357	380	2	j.	j.	PROPN
ajiss-357	380	3	b.	b.	PROPN
ajiss-357	380	4	hall	hall	PROPN
ajiss-357	380	5	,	,	PUNCT
ajiss-357	380	6	“	"	PUNCT
ajiss-357	380	7	basel	basel	PROPN
ajiss-357	380	8	ii	ii	PROPN
ajiss-357	380	9	:	:	PUNCT
ajiss-357	380	10	latest	late	ADJ
ajiss-357	380	11	developments	development	NOUN
ajiss-357	380	12	and	and	CCONJ
ajiss-357	380	13	implications	implication	NOUN
ajiss-357	380	14	for	for	ADP
ajiss-357	380	15	bank	bank	NOUN
ajiss-357	380	16	risk	risk	NOUN
ajiss-357	380	17	management	management	NOUN
ajiss-357	380	18	”	"	PUNCT
ajiss-357	380	19	(	(	PUNCT
ajiss-357	380	20	paper	paper	NOUN
ajiss-357	380	21	presented	present	VERB
ajiss-357	380	22	at	at	ADP
ajiss-357	380	23	the	the	DET
ajiss-357	380	24	international	international	ADJ
ajiss-357	380	25	conference	conference	NOUN
ajiss-357	380	26	on	on	ADP
ajiss-357	380	27	islamic	islamic	ADJ
ajiss-357	380	28	banking	banking	NOUN
ajiss-357	380	29	:	:	PUNCT
ajiss-357	380	30	risk	risk	NOUN
ajiss-357	380	31	management	management	NOUN
ajiss-357	380	32	,	,	PUNCT
ajiss-357	380	33	regulation	regulation	NOUN
ajiss-357	380	34	and	and	CCONJ
ajiss-357	380	35	supervision	supervision	NOUN
ajiss-357	380	36	,	,	PUNCT
ajiss-357	380	37	jakarta	jakarta	PROPN
ajiss-357	380	38	,	,	PUNCT
ajiss-357	380	39	indonesia	indonesia	PROPN
ajiss-357	380	40	,	,	PUNCT
ajiss-357	380	41	september	september	PROPN
ajiss-357	380	42	2003	2003	NUM
ajiss-357	380	43	)	)	PUNCT
ajiss-357	380	44	.	.	PUNCT
ajiss-357	381	1	59	59	NUM
ajiss-357	381	2	.	.	PUNCT
ajiss-357	382	1	these	these	DET
ajiss-357	382	2	definitions	definition	NOUN
ajiss-357	382	3	are	be	AUX
ajiss-357	382	4	taken	take	VERB
ajiss-357	382	5	directly	directly	ADV
ajiss-357	382	6	from	from	ADP
ajiss-357	382	7	“	"	PUNCT
ajiss-357	382	8	capital	capital	NOUN
ajiss-357	382	9	adequacy	adequacy	NOUN
ajiss-357	382	10	requirements	requirement	NOUN
ajiss-357	382	11	from	from	ADP
ajiss-357	382	12	sukuk	sukuk	NOUN
ajiss-357	382	13	,	,	PUNCT
ajiss-357	382	14	securitizations	securitization	NOUN
ajiss-357	382	15	and	and	CCONJ
ajiss-357	382	16	real	real	ADJ
ajiss-357	382	17	estate	estate	NOUN
ajiss-357	382	18	investment	investment	NOUN
ajiss-357	382	19	,	,	PUNCT
ajiss-357	382	20	”	"	PUNCT
ajiss-357	382	21	islamic	islamic	PROPN
ajiss-357	382	22	financial	financial	PROPN
ajiss-357	382	23	services	services	PROPN
ajiss-357	382	24	board	board	PROPN
ajiss-357	382	25	,	,	PUNCT
ajiss-357	382	26	january	january	PROPN
ajiss-357	382	27	2009	2009	NUM
ajiss-357	382	28	,	,	PUNCT
ajiss-357	382	29	18	18	NUM
ajiss-357	382	30	-	-	SYM
ajiss-357	382	31	19	19	NUM
ajiss-357	382	32	.	.	PUNCT
ajiss-357	382	33	available	available	ADJ
ajiss-357	382	34	at	at	ADP
ajiss-357	382	35	www.ifsb.org	www.ifsb.org	NUM
ajiss-357	382	36	.	.	PUNCT
ajiss-357	383	1	hassan	hassan	PROPN
ajiss-357	383	2	and	and	CCONJ
ajiss-357	383	3	chowdhury	chowdhury	PROPN
ajiss-357	383	4	:	:	PUNCT
ajiss-357	383	5	islamic	islamic	ADJ
ajiss-357	383	6	banking	banking	NOUN
ajiss-357	383	7	regulations	regulation	NOUN
ajiss-357	383	8	101	101	NUM
ajiss-357	383	9	ajiss-27-1-final-obay.qxp	ajiss-27-1-final-obay.qxp	PROPN
ajiss-357	383	10	6/9/2010	6/9/2010	PROPN
ajiss-357	383	11	4:06	4:06	NUM
ajiss-357	383	12	pm	pm	NOUN
ajiss-357	383	13	page	page	NOUN
ajiss-357	383	14	101	101	NUM
ajiss-357	383	15	pdf	pdf	NOUN
ajiss-357	383	16	created	create	VERB
ajiss-357	383	17	with	with	ADP
ajiss-357	383	18	pdffactory	pdffactory	ADJ
ajiss-357	383	19	pro	pro	ADJ
ajiss-357	383	20	trial	trial	NOUN
ajiss-357	383	21	version	version	NOUN
ajiss-357	383	22	www.pdffactory.com	www.pdffactory.com	X
ajiss-357	383	23	http://www.bloomberg.com/apps/news	http://www.bloomberg.com/apps/news	AUX
ajiss-357	383	24	http://www.todayszaman.com/tz-web/yazar	http://www.todayszaman.com/tz-web/yazar	NOUN
ajiss-357	383	25	http://www.siddiqi.com/mns	http://www.siddiqi.com/mn	NOUN
ajiss-357	383	26	http://www.ifsb.org	http://www.ifsb.org	X
ajiss-357	383	27	http://www.pdffactory.com	http://www.pdffactory.com	X
ajiss-357	383	28	http://www.pdffactory.com	http://www.pdffactory.com	X