id	sid	tid	token	lemma	pos
ajiss-452	1	1	al	al	PROPN
ajiss-452	1	2	-	-	PUNCT
ajiss-452	1	3	wakalah	wakalah	PROPN
ajiss-452	1	4	and	and	CCONJ
ajiss-452	1	5	customers	customer	NOUN
ajiss-452	1	6	’	’	PART
ajiss-452	1	7	preferences	preference	NOUN
ajiss-452	1	8	toward	toward	ADP
ajiss-452	1	9	it	it	PRON
ajiss-452	1	10	:	:	PUNCT
ajiss-452	1	11	a	a	DET
ajiss-452	1	12	case	case	NOUN
ajiss-452	1	13	study	study	NOUN
ajiss-452	1	14	of	of	ADP
ajiss-452	1	15	two	two	NUM
ajiss-452	1	16	takaful	takaful	ADJ
ajiss-452	1	17	companies	company	NOUN
ajiss-452	1	18	in	in	ADP
ajiss-452	1	19	malaysia	malaysia	PROPN
ajiss-452	1	20	*	*	PUNCT
ajiss-452	1	21	hairul	hairul	PROPN
ajiss-452	1	22	azlan	azlan	PROPN
ajiss-452	1	23	annuar	annuar	PROPN
ajiss-452	1	24	abstract	abstract	NOUN
ajiss-452	1	25	the	the	DET
ajiss-452	1	26	agency	agency	NOUN
ajiss-452	1	27	system	system	NOUN
ajiss-452	1	28	has	have	AUX
ajiss-452	1	29	been	be	AUX
ajiss-452	1	30	the	the	DET
ajiss-452	1	31	main	main	ADJ
ajiss-452	1	32	distribution	distribution	NOUN
ajiss-452	1	33	channel	channel	NOUN
ajiss-452	1	34	for	for	ADP
ajiss-452	1	35	insurers	insurer	NOUN
ajiss-452	1	36	.	.	PUNCT
ajiss-452	2	1	however	however	ADV
ajiss-452	2	2	,	,	PUNCT
ajiss-452	2	3	syarikat	syarikat	PROPN
ajiss-452	2	4	takaful	takaful	PROPN
ajiss-452	2	5	malaysia	malaysia	PROPN
ajiss-452	2	6	berhad	berhad	PROPN
ajiss-452	2	7	(	(	PUNCT
ajiss-452	2	8	stmb	stmb	PROPN
ajiss-452	2	9	)	)	PUNCT
ajiss-452	2	10	does	do	AUX
ajiss-452	2	11	not	not	PART
ajiss-452	2	12	implement	implement	VERB
ajiss-452	2	13	it	it	PRON
ajiss-452	2	14	,	,	PUNCT
ajiss-452	2	15	while	while	SCONJ
ajiss-452	2	16	takaful	takaful	ADJ
ajiss-452	2	17	nasional	nasional	PROPN
ajiss-452	2	18	sendirian	sendirian	PROPN
ajiss-452	2	19	berhad	berhad	PROPN
ajiss-452	2	20	(	(	PUNCT
ajiss-452	2	21	tnsb	tnsb	NOUN
ajiss-452	2	22	)	)	PUNCT
ajiss-452	2	23	does	do	VERB
ajiss-452	2	24	.	.	PUNCT
ajiss-452	3	1	this	this	PRON
ajiss-452	3	2	has	have	VERB
ajiss-452	3	3	a	a	DET
ajiss-452	3	4	lot	lot	NOUN
ajiss-452	3	5	to	to	PART
ajiss-452	3	6	do	do	VERB
ajiss-452	3	7	with	with	ADP
ajiss-452	3	8	juristic	juristic	ADJ
ajiss-452	3	9	opinions	opinion	NOUN
ajiss-452	3	10	(	(	PUNCT
ajiss-452	3	11	ikhtilaf	ikhtilaf	NOUN
ajiss-452	3	12	)	)	PUNCT
ajiss-452	3	13	on	on	ADP
ajiss-452	3	14	whether	whether	SCONJ
ajiss-452	3	15	a	a	DET
ajiss-452	3	16	takaful	takaful	ADJ
ajiss-452	3	17	company	company	NOUN
ajiss-452	3	18	(	(	PUNCT
ajiss-452	3	19	mudarib	mudarib	PROPN
ajiss-452	3	20	)	)	PUNCT
ajiss-452	3	21	can	can	AUX
ajiss-452	3	22	use	use	VERB
ajiss-452	3	23	part	part	NOUN
ajiss-452	3	24	of	of	ADP
ajiss-452	3	25	the	the	DET
ajiss-452	3	26	participants	participant	NOUN
ajiss-452	3	27	’	'	PUNCT
ajiss-452	3	28	capital	capital	NOUN
ajiss-452	3	29	(	(	PUNCT
ajiss-452	3	30	rabb	rabb	PROPN
ajiss-452	3	31	al	al	PROPN
ajiss-452	3	32	-	-	PUNCT
ajiss-452	3	33	mal	mal	ADJ
ajiss-452	3	34	)	)	PUNCT
ajiss-452	3	35	to	to	PART
ajiss-452	3	36	pay	pay	VERB
ajiss-452	3	37	for	for	ADP
ajiss-452	3	38	management	management	NOUN
ajiss-452	3	39	expenses	expense	NOUN
ajiss-452	3	40	.	.	PUNCT
ajiss-452	4	1	an	an	DET
ajiss-452	4	2	exploratory	exploratory	ADJ
ajiss-452	4	3	survey	survey	NOUN
ajiss-452	4	4	was	be	AUX
ajiss-452	4	5	undertaken	undertake	VERB
ajiss-452	4	6	to	to	PART
ajiss-452	4	7	ascertain	ascertain	VERB
ajiss-452	4	8	the	the	DET
ajiss-452	4	9	respondents	respondent	NOUN
ajiss-452	4	10	’	’	PART
ajiss-452	4	11	perception	perception	NOUN
ajiss-452	4	12	on	on	ADP
ajiss-452	4	13	the	the	DET
ajiss-452	4	14	importance	importance	NOUN
ajiss-452	4	15	of	of	ADP
ajiss-452	4	16	agents	agent	NOUN
ajiss-452	4	17	.	.	PUNCT
ajiss-452	5	1	my	my	PRON
ajiss-452	5	2	study	study	NOUN
ajiss-452	5	3	showed	show	VERB
ajiss-452	5	4	that	that	SCONJ
ajiss-452	5	5	customers	customer	NOUN
ajiss-452	5	6	prefer	prefer	VERB
ajiss-452	5	7	the	the	DET
ajiss-452	5	8	agency	agency	NOUN
ajiss-452	5	9	system	system	NOUN
ajiss-452	5	10	(	(	PUNCT
ajiss-452	5	11	al	al	PROPN
ajiss-452	5	12	-	-	PUNCT
ajiss-452	5	13	wakalah	wakalah	PROPN
ajiss-452	5	14	)	)	PUNCT
ajiss-452	5	15	and	and	CCONJ
ajiss-452	5	16	that	that	SCONJ
ajiss-452	5	17	this	this	DET
ajiss-452	5	18	system	system	NOUN
ajiss-452	5	19	can	can	AUX
ajiss-452	5	20	generate	generate	VERB
ajiss-452	5	21	greater	great	ADJ
ajiss-452	5	22	benefits	benefit	NOUN
ajiss-452	5	23	(	(	PUNCT
ajiss-452	5	24	manfa`at	manfa`at	NOUN
ajiss-452	5	25	)	)	PUNCT
ajiss-452	5	26	to	to	ADP
ajiss-452	5	27	both	both	DET
ajiss-452	5	28	parties	party	NOUN
ajiss-452	5	29	.	.	PUNCT
ajiss-452	6	1	introduction	introduction	NOUN
ajiss-452	6	2	in	in	ADP
ajiss-452	6	3	malaysia	malaysia	PROPN
ajiss-452	6	4	,	,	PUNCT
ajiss-452	6	5	the	the	DET
ajiss-452	6	6	main	main	ADJ
ajiss-452	6	7	sales	sale	NOUN
ajiss-452	6	8	and	and	CCONJ
ajiss-452	6	9	distribution	distribution	NOUN
ajiss-452	6	10	channel	channel	NOUN
ajiss-452	6	11	of	of	ADP
ajiss-452	6	12	insurers	insurer	NOUN
ajiss-452	6	13	has	have	AUX
ajiss-452	6	14	always	always	ADV
ajiss-452	6	15	been	be	AUX
ajiss-452	6	16	that	that	PRON
ajiss-452	6	17	of	of	ADP
ajiss-452	6	18	insurance	insurance	NOUN
ajiss-452	6	19	sales	sale	NOUN
ajiss-452	6	20	agents	agent	NOUN
ajiss-452	6	21	.	.	PUNCT
ajiss-452	7	1	figures	figure	NOUN
ajiss-452	7	2	derived	derive	VERB
ajiss-452	7	3	from	from	ADP
ajiss-452	7	4	the	the	DET
ajiss-452	7	5	insurance	insurance	NOUN
ajiss-452	7	6	hairul	hairul	PROPN
ajiss-452	7	7	azlan	azlan	PROPN
ajiss-452	7	8	annuar	annuar	PROPN
ajiss-452	7	9	is	be	AUX
ajiss-452	7	10	a	a	DET
ajiss-452	7	11	lecturer	lecturer	NOUN
ajiss-452	7	12	in	in	ADP
ajiss-452	7	13	accounting	account	VERB
ajiss-452	7	14	at	at	ADP
ajiss-452	7	15	the	the	DET
ajiss-452	7	16	international	international	ADJ
ajiss-452	7	17	islamic	islamic	PROPN
ajiss-452	7	18	university	university	PROPN
ajiss-452	7	19	malaysia	malaysia	PROPN
ajiss-452	7	20	(	(	PUNCT
ajiss-452	7	21	iium	iium	NOUN
ajiss-452	7	22	)	)	PUNCT
ajiss-452	7	23	.	.	PUNCT
ajiss-452	8	1	he	he	PRON
ajiss-452	8	2	received	receive	VERB
ajiss-452	8	3	his	his	PRON
ajiss-452	8	4	ba	ba	NOUN
ajiss-452	8	5	(	(	PUNCT
ajiss-452	8	6	hons	hon	NOUN
ajiss-452	8	7	)	)	PUNCT
ajiss-452	8	8	in	in	ADP
ajiss-452	8	9	accounting	accounting	NOUN
ajiss-452	8	10	and	and	CCONJ
ajiss-452	8	11	finance	finance	NOUN
ajiss-452	8	12	from	from	ADP
ajiss-452	8	13	the	the	DET
ajiss-452	8	14	university	university	PROPN
ajiss-452	8	15	of	of	ADP
ajiss-452	8	16	east	east	PROPN
ajiss-452	8	17	london	london	PROPN
ajiss-452	8	18	and	and	CCONJ
ajiss-452	8	19	his	his	PRON
ajiss-452	8	20	mba	mba	NOUN
ajiss-452	8	21	,	,	PUNCT
ajiss-452	8	22	with	with	ADP
ajiss-452	8	23	specialization	specialization	NOUN
ajiss-452	8	24	in	in	ADP
ajiss-452	8	25	islamic	islamic	PROPN
ajiss-452	8	26	accounting	accounting	PROPN
ajiss-452	8	27	,	,	PUNCT
ajiss-452	8	28	banking	banking	NOUN
ajiss-452	8	29	,	,	PUNCT
ajiss-452	8	30	and	and	CCONJ
ajiss-452	8	31	finance	finance	NOUN
ajiss-452	8	32	from	from	ADP
ajiss-452	8	33	iium	iium	NOUN
ajiss-452	8	34	.	.	PUNCT
ajiss-452	9	1	currently	currently	ADV
ajiss-452	9	2	,	,	PUNCT
ajiss-452	9	3	he	he	PRON
ajiss-452	9	4	is	be	AUX
ajiss-452	9	5	pursuing	pursue	VERB
ajiss-452	9	6	his	his	PRON
ajiss-452	9	7	ph.d	ph.d	NOUN
ajiss-452	9	8	.	.	PUNCT
ajiss-452	10	1	at	at	ADP
ajiss-452	10	2	cardiff	cardiff	PROPN
ajiss-452	10	3	university	university	NOUN
ajiss-452	10	4	,	,	PUNCT
ajiss-452	10	5	where	where	SCONJ
ajiss-452	10	6	he	he	PRON
ajiss-452	10	7	is	be	AUX
ajiss-452	10	8	examining	examine	VERB
ajiss-452	10	9	the	the	DET
ajiss-452	10	10	evolution	evolution	NOUN
ajiss-452	10	11	and	and	CCONJ
ajiss-452	10	12	effectiveness	effectiveness	NOUN
ajiss-452	10	13	of	of	ADP
ajiss-452	10	14	corporate	corporate	ADJ
ajiss-452	10	15	governance	governance	NOUN
ajiss-452	10	16	mechanisms	mechanism	NOUN
ajiss-452	10	17	in	in	ADP
ajiss-452	10	18	malaysian	malaysian	ADJ
ajiss-452	10	19	companies	company	NOUN
ajiss-452	10	20	.	.	PUNCT
ajiss-452	11	1	this	this	DET
ajiss-452	11	2	paper	paper	NOUN
ajiss-452	11	3	derives	derive	VERB
ajiss-452	11	4	from	from	ADP
ajiss-452	11	5	results	result	NOUN
ajiss-452	11	6	obtained	obtain	VERB
ajiss-452	11	7	by	by	ADP
ajiss-452	11	8	him	he	PRON
ajiss-452	11	9	in	in	ADP
ajiss-452	11	10	researching	research	VERB
ajiss-452	11	11	his	his	PRON
ajiss-452	11	12	mba	mba	NOUN
ajiss-452	11	13	dissertation	dissertation	NOUN
ajiss-452	11	14	.	.	PUNCT
ajiss-452	12	1	*	*	PUNCT
ajiss-452	12	2	the	the	DET
ajiss-452	12	3	author	author	NOUN
ajiss-452	12	4	would	would	AUX
ajiss-452	12	5	like	like	VERB
ajiss-452	12	6	to	to	PART
ajiss-452	12	7	thank	thank	VERB
ajiss-452	12	8	the	the	DET
ajiss-452	12	9	editor	editor	NOUN
ajiss-452	12	10	and	and	CCONJ
ajiss-452	12	11	the	the	DET
ajiss-452	12	12	two	two	NUM
ajiss-452	12	13	anonymous	anonymous	ADJ
ajiss-452	12	14	referees	referee	NOUN
ajiss-452	12	15	,	,	PUNCT
ajiss-452	12	16	as	as	ADV
ajiss-452	12	17	well	well	ADV
ajiss-452	12	18	as	as	ADP
ajiss-452	12	19	saiful	saiful	PROPN
ajiss-452	12	20	azhar	azhar	PROPN
ajiss-452	12	21	rosly	rosly	PROPN
ajiss-452	12	22	and	and	CCONJ
ajiss-452	12	23	intan	intan	PROPN
ajiss-452	12	24	suriani	suriani	PROPN
ajiss-452	12	25	abu	abu	PROPN
ajiss-452	12	26	bakar	bakar	PROPN
ajiss-452	12	27	for	for	ADP
ajiss-452	12	28	their	their	PRON
ajiss-452	12	29	reviews	review	NOUN
ajiss-452	12	30	and	and	CCONJ
ajiss-452	12	31	remarks	remark	NOUN
ajiss-452	12	32	on	on	ADP
ajiss-452	12	33	this	this	DET
ajiss-452	12	34	paper	paper	NOUN
ajiss-452	12	35	.	.	PUNCT
ajiss-452	13	1	also	also	ADV
ajiss-452	13	2	,	,	PUNCT
ajiss-452	13	3	comments	comment	NOUN
ajiss-452	13	4	received	receive	VERB
ajiss-452	13	5	on	on	ADP
ajiss-452	13	6	an	an	DET
ajiss-452	13	7	earlier	early	ADJ
ajiss-452	13	8	version	version	NOUN
ajiss-452	13	9	of	of	ADP
ajiss-452	13	10	this	this	DET
ajiss-452	13	11	paper	paper	NOUN
ajiss-452	13	12	from	from	ADP
ajiss-452	13	13	participants	participant	NOUN
ajiss-452	13	14	of	of	ADP
ajiss-452	13	15	the	the	DET
ajiss-452	13	16	national	national	ADJ
ajiss-452	13	17	conference	conference	NOUN
ajiss-452	13	18	of	of	ADP
ajiss-452	13	19	accounting	accounting	NOUN
ajiss-452	13	20	and	and	CCONJ
ajiss-452	13	21	finance	finance	NOUN
ajiss-452	13	22	2004	2004	NUM
ajiss-452	13	23	,	,	PUNCT
ajiss-452	13	24	organized	organize	VERB
ajiss-452	13	25	by	by	ADP
ajiss-452	13	26	the	the	DET
ajiss-452	13	27	mara	mara	PROPN
ajiss-452	13	28	university	university	PROPN
ajiss-452	13	29	of	of	ADP
ajiss-452	13	30	technology	technology	PROPN
ajiss-452	13	31	,	,	PUNCT
ajiss-452	13	32	johor	johor	PROPN
ajiss-452	13	33	campus	campus	PROPN
ajiss-452	13	34	,	,	PUNCT
ajiss-452	13	35	in	in	ADP
ajiss-452	13	36	august	august	PROPN
ajiss-452	13	37	2004	2004	NUM
ajiss-452	13	38	,	,	PUNCT
ajiss-452	13	39	are	be	AUX
ajiss-452	13	40	duly	duly	ADV
ajiss-452	13	41	acknowledged	acknowledge	VERB
ajiss-452	13	42	.	.	PUNCT
ajiss-452	14	1	annual	annual	ADJ
ajiss-452	14	2	report	report	NOUN
ajiss-452	14	3	2000	2000	NUM
ajiss-452	14	4	,	,	PUNCT
ajiss-452	14	5	compiled	compile	VERB
ajiss-452	14	6	and	and	CCONJ
ajiss-452	14	7	released	release	VERB
ajiss-452	14	8	by	by	ADP
ajiss-452	14	9	the	the	DET
ajiss-452	14	10	central	central	ADJ
ajiss-452	14	11	bank	bank	PROPN
ajiss-452	14	12	of	of	ADP
ajiss-452	14	13	malaysia	malaysia	PROPN
ajiss-452	14	14	,	,	PUNCT
ajiss-452	14	15	showed	show	VERB
ajiss-452	14	16	that	that	SCONJ
ajiss-452	14	17	there	there	PRON
ajiss-452	14	18	were	be	VERB
ajiss-452	14	19	128,608	128,608	NUM
ajiss-452	14	20	registered	register	VERB
ajiss-452	14	21	insurance	insurance	NOUN
ajiss-452	14	22	agents	agent	NOUN
ajiss-452	14	23	,	,	PUNCT
ajiss-452	14	24	an	an	DET
ajiss-452	14	25	increase	increase	NOUN
ajiss-452	14	26	of	of	ADP
ajiss-452	14	27	1,958	1,958	NUM
ajiss-452	14	28	agents	agent	NOUN
ajiss-452	14	29	from	from	ADP
ajiss-452	14	30	the	the	DET
ajiss-452	14	31	previous	previous	ADJ
ajiss-452	14	32	year	year	NOUN
ajiss-452	14	33	,	,	PUNCT
ajiss-452	14	34	87,375	87,375	NUM
ajiss-452	14	35	of	of	ADP
ajiss-452	14	36	whom	whom	PRON
ajiss-452	14	37	were	be	AUX
ajiss-452	14	38	life	life	NOUN
ajiss-452	14	39	insurance	insurance	NOUN
ajiss-452	14	40	agents.1	agents.1	PROPN
ajiss-452	14	41	in	in	ADP
ajiss-452	14	42	terms	term	NOUN
ajiss-452	14	43	of	of	ADP
ajiss-452	14	44	revenues	revenue	NOUN
ajiss-452	14	45	collected	collect	VERB
ajiss-452	14	46	and	and	CCONJ
ajiss-452	14	47	new	new	ADJ
ajiss-452	14	48	policies	policy	NOUN
ajiss-452	14	49	issued	issue	VERB
ajiss-452	14	50	,	,	PUNCT
ajiss-452	14	51	the	the	DET
ajiss-452	14	52	top	top	ADJ
ajiss-452	14	53	two	two	NUM
ajiss-452	14	54	life	life	NOUN
ajiss-452	14	55	insurance	insurance	NOUN
ajiss-452	14	56	performers	performer	NOUN
ajiss-452	14	57	for	for	ADP
ajiss-452	14	58	2000	2000	NUM
ajiss-452	14	59	were	be	AUX
ajiss-452	14	60	great	great	ADJ
ajiss-452	14	61	eastern	eastern	ADJ
ajiss-452	14	62	,	,	PUNCT
ajiss-452	14	63	a	a	DET
ajiss-452	14	64	company	company	NOUN
ajiss-452	14	65	constituted	constitute	VERB
ajiss-452	14	66	in	in	ADP
ajiss-452	14	67	malaysia	malaysia	PROPN
ajiss-452	14	68	,	,	PUNCT
ajiss-452	14	69	and	and	CCONJ
ajiss-452	14	70	the	the	DET
ajiss-452	14	71	american	american	ADJ
ajiss-452	14	72	international	international	PROPN
ajiss-452	14	73	assurance	assurance	NOUN
ajiss-452	14	74	(	(	PUNCT
ajiss-452	14	75	aia	aia	PROPN
ajiss-452	14	76	)	)	PUNCT
ajiss-452	14	77	,	,	PUNCT
ajiss-452	14	78	a	a	DET
ajiss-452	14	79	company	company	NOUN
ajiss-452	14	80	constituted	constitute	VERB
ajiss-452	14	81	outside	outside	ADV
ajiss-452	14	82	malaysia.2	malaysia.2	PROPN
ajiss-452	14	83	examining	examine	VERB
ajiss-452	14	84	the	the	DET
ajiss-452	14	85	insurance	insurance	NOUN
ajiss-452	14	86	reports	report	NOUN
ajiss-452	14	87	of	of	ADP
ajiss-452	14	88	other	other	ADJ
ajiss-452	14	89	years	year	NOUN
ajiss-452	14	90	would	would	AUX
ajiss-452	14	91	show	show	VERB
ajiss-452	14	92	similar	similar	ADJ
ajiss-452	14	93	results	result	NOUN
ajiss-452	14	94	,	,	PUNCT
ajiss-452	14	95	namely	namely	ADV
ajiss-452	14	96	,	,	PUNCT
ajiss-452	14	97	an	an	DET
ajiss-452	14	98	increase	increase	NOUN
ajiss-452	14	99	in	in	ADP
ajiss-452	14	100	the	the	DET
ajiss-452	14	101	number	number	NOUN
ajiss-452	14	102	of	of	ADP
ajiss-452	14	103	agents	agent	NOUN
ajiss-452	14	104	and	and	CCONJ
ajiss-452	14	105	the	the	DET
ajiss-452	14	106	companies	company	NOUN
ajiss-452	14	107	utilizing	utilize	VERB
ajiss-452	14	108	the	the	DET
ajiss-452	14	109	agency	agency	NOUN
ajiss-452	14	110	system	system	NOUN
ajiss-452	14	111	,	,	PUNCT
ajiss-452	14	112	such	such	ADJ
ajiss-452	14	113	as	as	ADP
ajiss-452	14	114	great	great	ADJ
ajiss-452	14	115	eastern	eastern	ADJ
ajiss-452	14	116	and	and	CCONJ
ajiss-452	14	117	aia	aia	PROPN
ajiss-452	14	118	,	,	PUNCT
ajiss-452	14	119	enjoying	enjoy	VERB
ajiss-452	14	120	high	high	ADJ
ajiss-452	14	121	numbers	number	NOUN
ajiss-452	14	122	in	in	ADP
ajiss-452	14	123	terms	term	NOUN
ajiss-452	14	124	of	of	ADP
ajiss-452	14	125	profitability	profitability	NOUN
ajiss-452	14	126	and	and	CCONJ
ajiss-452	14	127	market	market	NOUN
ajiss-452	14	128	share	share	NOUN
ajiss-452	14	129	.	.	PUNCT
ajiss-452	15	1	reasons	reason	NOUN
ajiss-452	15	2	for	for	ADP
ajiss-452	15	3	these	these	PRON
ajiss-452	15	4	are	be	AUX
ajiss-452	15	5	straightforward	straightforward	ADJ
ajiss-452	15	6	.	.	PUNCT
ajiss-452	16	1	insurance	insurance	NOUN
ajiss-452	16	2	agents	agent	NOUN
ajiss-452	16	3	who	who	PRON
ajiss-452	16	4	sell	sell	VERB
ajiss-452	16	5	policies	policy	NOUN
ajiss-452	16	6	are	be	AUX
ajiss-452	16	7	not	not	PART
ajiss-452	16	8	employees	employee	NOUN
ajiss-452	16	9	of	of	ADP
ajiss-452	16	10	the	the	DET
ajiss-452	16	11	insurance	insurance	NOUN
ajiss-452	16	12	companies	company	NOUN
ajiss-452	16	13	.	.	PUNCT
ajiss-452	17	1	rather	rather	ADV
ajiss-452	17	2	,	,	PUNCT
ajiss-452	17	3	they	they	PRON
ajiss-452	17	4	work	work	VERB
ajiss-452	17	5	on	on	ADP
ajiss-452	17	6	a	a	DET
ajiss-452	17	7	commission	commission	NOUN
ajiss-452	17	8	basis	basis	NOUN
ajiss-452	17	9	and	and	CCONJ
ajiss-452	17	10	thus	thus	ADV
ajiss-452	17	11	are	be	AUX
ajiss-452	17	12	motivated	motivate	VERB
ajiss-452	17	13	by	by	ADP
ajiss-452	17	14	the	the	DET
ajiss-452	17	15	volume	volume	NOUN
ajiss-452	17	16	of	of	ADP
ajiss-452	17	17	sales	sale	NOUN
ajiss-452	17	18	made	make	VERB
ajiss-452	17	19	.	.	PUNCT
ajiss-452	18	1	they	they	PRON
ajiss-452	18	2	reduce	reduce	VERB
ajiss-452	18	3	overhead	overhead	ADJ
ajiss-452	18	4	costs	cost	NOUN
ajiss-452	18	5	,	,	PUNCT
ajiss-452	18	6	and	and	CCONJ
ajiss-452	18	7	the	the	DET
ajiss-452	18	8	companies	company	NOUN
ajiss-452	18	9	are	be	AUX
ajiss-452	18	10	able	able	ADJ
ajiss-452	18	11	to	to	PART
ajiss-452	18	12	expand	expand	VERB
ajiss-452	18	13	markets	market	NOUN
ajiss-452	18	14	without	without	ADP
ajiss-452	18	15	setting	set	VERB
ajiss-452	18	16	up	up	ADP
ajiss-452	18	17	subsidiaries	subsidiary	NOUN
ajiss-452	18	18	and	and	CCONJ
ajiss-452	18	19	branches	branch	NOUN
ajiss-452	18	20	.	.	PUNCT
ajiss-452	19	1	furthermore	furthermore	ADV
ajiss-452	19	2	,	,	PUNCT
ajiss-452	19	3	sales	sale	NOUN
ajiss-452	19	4	agents	agent	NOUN
ajiss-452	19	5	can	can	AUX
ajiss-452	19	6	achieve	achieve	VERB
ajiss-452	19	7	greater	great	ADJ
ajiss-452	19	8	market	market	NOUN
ajiss-452	19	9	penetration	penetration	NOUN
ajiss-452	19	10	due	due	ADP
ajiss-452	19	11	to	to	ADP
ajiss-452	19	12	their	their	PRON
ajiss-452	19	13	wider	wide	ADJ
ajiss-452	19	14	coverage	coverage	NOUN
ajiss-452	19	15	and	and	CCONJ
ajiss-452	19	16	mobility	mobility	NOUN
ajiss-452	19	17	.	.	PUNCT
ajiss-452	20	1	however	however	ADV
ajiss-452	20	2	,	,	PUNCT
ajiss-452	20	3	malaysia	malaysia	PROPN
ajiss-452	20	4	’s	’s	PART
ajiss-452	20	5	first	first	ADJ
ajiss-452	20	6	islamic	islamic	ADJ
ajiss-452	20	7	insurance	insurance	NOUN
ajiss-452	20	8	(	(	PUNCT
ajiss-452	20	9	takaful	takaful	ADJ
ajiss-452	20	10	)	)	PUNCT
ajiss-452	20	11	company	company	NOUN
ajiss-452	20	12	,	,	PUNCT
ajiss-452	20	13	syarikat	syarikat	PROPN
ajiss-452	20	14	takaful	takaful	PROPN
ajiss-452	20	15	malaysia	malaysia	PROPN
ajiss-452	20	16	berhad	berhad	PROPN
ajiss-452	20	17	(	(	PUNCT
ajiss-452	20	18	stmb	stmb	PROPN
ajiss-452	20	19	)	)	PUNCT
ajiss-452	20	20	,	,	PUNCT
ajiss-452	20	21	does	do	AUX
ajiss-452	20	22	not	not	PART
ajiss-452	20	23	use	use	VERB
ajiss-452	20	24	agents	agent	NOUN
ajiss-452	20	25	.	.	PUNCT
ajiss-452	21	1	this	this	PRON
ajiss-452	21	2	has	have	VERB
ajiss-452	21	3	a	a	DET
ajiss-452	21	4	lot	lot	NOUN
ajiss-452	21	5	to	to	PART
ajiss-452	21	6	do	do	VERB
ajiss-452	21	7	with	with	ADP
ajiss-452	21	8	juristic	juristic	ADJ
ajiss-452	21	9	rulings	ruling	NOUN
ajiss-452	21	10	(	(	PUNCT
ajiss-452	21	11	ikhtilaf	ikhtilaf	NOUN
ajiss-452	21	12	)	)	PUNCT
ajiss-452	21	13	on	on	ADP
ajiss-452	21	14	whether	whether	SCONJ
ajiss-452	21	15	a	a	DET
ajiss-452	21	16	takaful	takaful	ADJ
ajiss-452	21	17	company	company	NOUN
ajiss-452	21	18	(	(	PUNCT
ajiss-452	21	19	mudarib	mudarib	PROPN
ajiss-452	21	20	)	)	PUNCT
ajiss-452	21	21	can	can	AUX
ajiss-452	21	22	use	use	VERB
ajiss-452	21	23	part	part	NOUN
ajiss-452	21	24	of	of	ADP
ajiss-452	21	25	the	the	DET
ajiss-452	21	26	participants	participant	NOUN
ajiss-452	21	27	’	'	PUNCT
ajiss-452	21	28	capital	capital	NOUN
ajiss-452	21	29	(	(	PUNCT
ajiss-452	21	30	rabb	rabb	PROPN
ajiss-452	21	31	al	al	PROPN
ajiss-452	21	32	-	-	PUNCT
ajiss-452	21	33	mal	mal	ADJ
ajiss-452	21	34	)	)	PUNCT
ajiss-452	21	35	,	,	PUNCT
ajiss-452	21	36	provided	provide	VERB
ajiss-452	21	37	through	through	ADP
ajiss-452	21	38	their	their	PRON
ajiss-452	21	39	monthly	monthly	ADJ
ajiss-452	21	40	premium	premium	NOUN
ajiss-452	21	41	or	or	CCONJ
ajiss-452	21	42	contribution	contribution	NOUN
ajiss-452	21	43	installments	installment	NOUN
ajiss-452	21	44	,	,	PUNCT
ajiss-452	21	45	to	to	PART
ajiss-452	21	46	pay	pay	VERB
ajiss-452	21	47	for	for	ADP
ajiss-452	21	48	management	management	NOUN
ajiss-452	21	49	expenses	expense	NOUN
ajiss-452	21	50	.	.	PUNCT
ajiss-452	22	1	in	in	ADP
ajiss-452	22	2	contrast	contrast	NOUN
ajiss-452	22	3	,	,	PUNCT
ajiss-452	22	4	takaful	takaful	ADJ
ajiss-452	22	5	nasional	nasional	PROPN
ajiss-452	22	6	sendirian	sendirian	PROPN
ajiss-452	22	7	berhad	berhad	PROPN
ajiss-452	22	8	(	(	PUNCT
ajiss-452	22	9	tnsb	tnsb	NOUN
ajiss-452	22	10	)	)	PUNCT
ajiss-452	22	11	uses	use	VERB
ajiss-452	22	12	the	the	DET
ajiss-452	22	13	agency	agency	NOUN
ajiss-452	22	14	system	system	NOUN
ajiss-452	22	15	,	,	PUNCT
ajiss-452	22	16	since	since	SCONJ
ajiss-452	22	17	it	it	PRON
ajiss-452	22	18	holds	hold	VERB
ajiss-452	22	19	a	a	DET
ajiss-452	22	20	different	different	ADJ
ajiss-452	22	21	view	view	NOUN
ajiss-452	22	22	of	of	ADP
ajiss-452	22	23	the	the	DET
ajiss-452	22	24	management	management	NOUN
ajiss-452	22	25	expenses	expense	NOUN
ajiss-452	22	26	related	relate	VERB
ajiss-452	22	27	to	to	ADP
ajiss-452	22	28	the	the	DET
ajiss-452	22	29	al	al	PROPN
ajiss-452	22	30	-	-	PUNCT
ajiss-452	22	31	wakalah	wakalah	PROPN
ajiss-452	22	32	contract	contract	NOUN
ajiss-452	22	33	.	.	PUNCT
ajiss-452	23	1	it	it	PRON
ajiss-452	23	2	is	be	AUX
ajiss-452	23	3	,	,	PUNCT
ajiss-452	23	4	therefore	therefore	ADV
ajiss-452	23	5	,	,	PUNCT
ajiss-452	23	6	interesting	interesting	ADJ
ajiss-452	23	7	to	to	PART
ajiss-452	23	8	see	see	VERB
ajiss-452	23	9	whether	whether	SCONJ
ajiss-452	23	10	the	the	DET
ajiss-452	23	11	effect	effect	NOUN
ajiss-452	23	12	of	of	ADP
ajiss-452	23	13	the	the	DET
ajiss-452	23	14	different	different	ADJ
ajiss-452	23	15	interpretation	interpretation	NOUN
ajiss-452	23	16	of	of	ADP
ajiss-452	23	17	the	the	DET
ajiss-452	23	18	shari`ah	shari`ah	PROPN
ajiss-452	23	19	,	,	PUNCT
ajiss-452	23	20	which	which	PRON
ajiss-452	23	21	resulted	result	VERB
ajiss-452	23	22	in	in	ADP
ajiss-452	23	23	a	a	DET
ajiss-452	23	24	different	different	ADJ
ajiss-452	23	25	strategy	strategy	NOUN
ajiss-452	23	26	,	,	PUNCT
ajiss-452	23	27	is	be	AUX
ajiss-452	23	28	consistent	consistent	ADJ
ajiss-452	23	29	with	with	ADP
ajiss-452	23	30	what	what	PRON
ajiss-452	23	31	customers	customer	NOUN
ajiss-452	23	32	want	want	VERB
ajiss-452	23	33	.	.	PUNCT
ajiss-452	24	1	this	this	DET
ajiss-452	24	2	paper	paper	NOUN
ajiss-452	24	3	explores	explore	NOUN
ajiss-452	24	4	current	current	ADJ
ajiss-452	24	5	and	and	CCONJ
ajiss-452	24	6	potential	potential	ADJ
ajiss-452	24	7	customers	customer	NOUN
ajiss-452	24	8	’	'	PUNCT
ajiss-452	24	9	channel	channel	NOUN
ajiss-452	24	10	preferences	preference	NOUN
ajiss-452	24	11	in	in	ADP
ajiss-452	24	12	buying	buy	VERB
ajiss-452	24	13	takaful	takaful	ADJ
ajiss-452	24	14	coverage	coverage	NOUN
ajiss-452	24	15	in	in	ADP
ajiss-452	24	16	order	order	NOUN
ajiss-452	24	17	to	to	PART
ajiss-452	24	18	determine	determine	VERB
ajiss-452	24	19	which	which	DET
ajiss-452	24	20	strategy	strategy	NOUN
ajiss-452	24	21	is	be	AUX
ajiss-452	24	22	favored	favor	VERB
ajiss-452	24	23	.	.	PUNCT
ajiss-452	25	1	the	the	DET
ajiss-452	25	2	choice	choice	NOUN
ajiss-452	25	3	of	of	ADP
ajiss-452	25	4	strategy	strategy	NOUN
ajiss-452	25	5	should	should	AUX
ajiss-452	25	6	not	not	PART
ajiss-452	25	7	be	be	AUX
ajiss-452	25	8	based	base	VERB
ajiss-452	25	9	solely	solely	ADV
ajiss-452	25	10	on	on	ADP
ajiss-452	25	11	the	the	DET
ajiss-452	25	12	opinion	opinion	NOUN
ajiss-452	25	13	of	of	ADP
ajiss-452	25	14	a	a	DET
ajiss-452	25	15	particular	particular	ADJ
ajiss-452	25	16	legal	legal	ADJ
ajiss-452	25	17	school	school	NOUN
ajiss-452	25	18	without	without	ADP
ajiss-452	25	19	considering	consider	VERB
ajiss-452	25	20	the	the	DET
ajiss-452	25	21	customers	customer	NOUN
ajiss-452	25	22	’	'	PUNCT
ajiss-452	25	23	buying	buy	VERB
ajiss-452	25	24	behavior	behavior	NOUN
ajiss-452	25	25	and	and	CCONJ
ajiss-452	25	26	the	the	DET
ajiss-452	25	27	end	end	NOUN
ajiss-452	25	28	benefits	benefit	VERB
ajiss-452	25	29	attributable	attributable	ADJ
ajiss-452	25	30	to	to	ADP
ajiss-452	25	31	them	they	PRON
ajiss-452	25	32	.	.	PUNCT
ajiss-452	26	1	it	it	PRON
ajiss-452	26	2	is	be	AUX
ajiss-452	26	3	crucial	crucial	ADJ
ajiss-452	26	4	to	to	PART
ajiss-452	26	5	determine	determine	VERB
ajiss-452	26	6	the	the	DET
ajiss-452	26	7	effectiveness	effectiveness	NOUN
ajiss-452	26	8	of	of	ADP
ajiss-452	26	9	takaful	takaful	ADJ
ajiss-452	26	10	operations	operation	NOUN
ajiss-452	26	11	,	,	PUNCT
ajiss-452	26	12	so	so	SCONJ
ajiss-452	26	13	that	that	SCONJ
ajiss-452	26	14	it	it	PRON
ajiss-452	26	15	will	will	AUX
ajiss-452	26	16	benefit	benefit	VERB
ajiss-452	26	17	(	(	PUNCT
ajiss-452	26	18	manfa`at	manfa`at	NOUN
ajiss-452	26	19	)	)	PUNCT
ajiss-452	26	20	both	both	CCONJ
ajiss-452	26	21	the	the	DET
ajiss-452	26	22	customers	customer	NOUN
ajiss-452	26	23	and	and	CCONJ
ajiss-452	26	24	the	the	DET
ajiss-452	26	25	companies	company	NOUN
ajiss-452	26	26	in	in	ADP
ajiss-452	26	27	line	line	NOUN
ajiss-452	26	28	with	with	ADP
ajiss-452	26	29	the	the	DET
ajiss-452	26	30	shari`ah	shari`ah	PROPN
ajiss-452	26	31	precept	precept	NOUN
ajiss-452	26	32	of	of	ADP
ajiss-452	26	33	enjoining	enjoin	VERB
ajiss-452	26	34	good	good	ADJ
ajiss-452	26	35	deeds	deed	NOUN
ajiss-452	26	36	(	(	PUNCT
ajiss-452	26	37	ma`ruf	ma`ruf	NOUN
ajiss-452	26	38	)	)	PUNCT
ajiss-452	26	39	.	.	PUNCT
ajiss-452	27	1	a	a	DET
ajiss-452	27	2	qur’anic	qur’anic	ADJ
ajiss-452	27	3	verse	verse	NOUN
ajiss-452	27	4	testifies	testify	VERB
ajiss-452	27	5	this	this	DET
ajiss-452	27	6	obligation	obligation	NOUN
ajiss-452	27	7	:	:	PUNCT
ajiss-452	27	8	“	"	PUNCT
ajiss-452	27	9	you	you	PRON
ajiss-452	27	10	are	be	AUX
ajiss-452	27	11	the	the	DET
ajiss-452	27	12	best	good	ADJ
ajiss-452	27	13	of	of	ADP
ajiss-452	27	14	peoples	people	NOUN
ajiss-452	27	15	,	,	PUNCT
ajiss-452	27	16	evolved	evolve	VERB
ajiss-452	27	17	for	for	ADP
ajiss-452	27	18	humanity	humanity	NOUN
ajiss-452	27	19	,	,	PUNCT
ajiss-452	27	20	enjoining	enjoin	VERB
ajiss-452	27	21	what	what	PRON
ajiss-452	27	22	is	be	AUX
ajiss-452	27	23	right	right	ADJ
ajiss-452	27	24	,	,	PUNCT
ajiss-452	27	25	forbidding	forbid	VERB
ajiss-452	27	26	what	what	PRON
ajiss-452	27	27	is	be	AUX
ajiss-452	27	28	wrong	wrong	ADJ
ajiss-452	27	29	,	,	PUNCT
ajiss-452	27	30	and	and	CCONJ
ajiss-452	27	31	believing	believe	VERB
ajiss-452	27	32	in	in	ADP
ajiss-452	27	33	allah	allah	PROPN
ajiss-452	27	34	”	"	PUNCT
ajiss-452	27	35	(	(	PUNCT
ajiss-452	27	36	qur’an	qur’an	NOUN
ajiss-452	27	37	3:110	3:110	NUM
ajiss-452	27	38	)	)	PUNCT
ajiss-452	27	39	.	.	PUNCT
ajiss-452	28	1	annuar	annuar	ADJ
ajiss-452	28	2	:	:	PUNCT
ajiss-452	29	1	al	al	PROPN
ajiss-452	29	2	-	-	PUNCT
ajiss-452	29	3	wakalah	wakalah	PROPN
ajiss-452	29	4	and	and	CCONJ
ajiss-452	29	5	customers	customer	NOUN
ajiss-452	29	6	’	’	PART
ajiss-452	29	7	preferences	preference	NOUN
ajiss-452	29	8	toward	toward	ADP
ajiss-452	29	9	it	it	PRON
ajiss-452	29	10	29	29	NUM
ajiss-452	30	1	it	it	PRON
ajiss-452	30	2	is	be	AUX
ajiss-452	30	3	also	also	ADV
ajiss-452	30	4	fascinating	fascinating	ADJ
ajiss-452	30	5	to	to	PART
ajiss-452	30	6	study	study	VERB
ajiss-452	30	7	the	the	DET
ajiss-452	30	8	takaful	takaful	ADJ
ajiss-452	30	9	industry	industry	NOUN
ajiss-452	30	10	in	in	ADP
ajiss-452	30	11	malaysia	malaysia	PROPN
ajiss-452	30	12	,	,	PUNCT
ajiss-452	30	13	since	since	SCONJ
ajiss-452	30	14	the	the	DET
ajiss-452	30	15	country	country	NOUN
ajiss-452	30	16	is	be	AUX
ajiss-452	30	17	a	a	DET
ajiss-452	30	18	global	global	ADJ
ajiss-452	30	19	leader	leader	NOUN
ajiss-452	30	20	in	in	ADP
ajiss-452	30	21	this	this	DET
ajiss-452	30	22	field	field	NOUN
ajiss-452	30	23	,	,	PUNCT
ajiss-452	30	24	accounting	account	VERB
ajiss-452	30	25	for	for	ADP
ajiss-452	30	26	approximately	approximately	ADV
ajiss-452	30	27	27	27	NUM
ajiss-452	30	28	percent	percent	NOUN
ajiss-452	30	29	of	of	ADP
ajiss-452	30	30	the	the	DET
ajiss-452	30	31	global	global	ADJ
ajiss-452	30	32	market	market	NOUN
ajiss-452	30	33	.	.	PUNCT
ajiss-452	31	1	this	this	PRON
ajiss-452	31	2	makes	make	VERB
ajiss-452	31	3	it	it	PRON
ajiss-452	31	4	the	the	DET
ajiss-452	31	5	single	single	ADJ
ajiss-452	31	6	largest	large	ADJ
ajiss-452	31	7	and	and	CCONJ
ajiss-452	31	8	lucrative	lucrative	ADJ
ajiss-452	31	9	market	market	NOUN
ajiss-452	31	10	outside	outside	ADP
ajiss-452	31	11	of	of	ADP
ajiss-452	31	12	the	the	DET
ajiss-452	31	13	arab	arab	NOUN
ajiss-452	31	14	region.3	region.3	PROPN
ajiss-452	31	15	with	with	ADP
ajiss-452	31	16	an	an	DET
ajiss-452	31	17	annual	annual	ADJ
ajiss-452	31	18	rate	rate	NOUN
ajiss-452	31	19	of	of	ADP
ajiss-452	31	20	growth	growth	NOUN
ajiss-452	31	21	at	at	ADP
ajiss-452	31	22	60	60	NUM
ajiss-452	31	23	percent	percent	NOUN
ajiss-452	31	24	per	per	ADP
ajiss-452	31	25	annum	annum	NOUN
ajiss-452	31	26	,	,	PUNCT
ajiss-452	31	27	it	it	PRON
ajiss-452	31	28	is	be	AUX
ajiss-452	31	29	estimated	estimate	VERB
ajiss-452	31	30	that	that	SCONJ
ajiss-452	31	31	malaysia	malaysia	PROPN
ajiss-452	31	32	’s	’s	PART
ajiss-452	31	33	total	total	ADJ
ajiss-452	31	34	takaful	takaful	ADJ
ajiss-452	31	35	premium	premium	NOUN
ajiss-452	31	36	could	could	AUX
ajiss-452	31	37	be	be	AUX
ajiss-452	31	38	in	in	ADP
ajiss-452	31	39	the	the	DET
ajiss-452	31	40	region	region	NOUN
ajiss-452	31	41	of	of	ADP
ajiss-452	31	42	us$1.2	us$1.2	PROPN
ajiss-452	31	43	billion	billion	NUM
ajiss-452	31	44	by	by	ADP
ajiss-452	31	45	the	the	DET
ajiss-452	31	46	year	year	NOUN
ajiss-452	31	47	2015.4	2015.4	NUM
ajiss-452	31	48	currently	currently	ADV
ajiss-452	31	49	,	,	PUNCT
ajiss-452	31	50	stmb	stmb	NOUN
ajiss-452	31	51	is	be	AUX
ajiss-452	31	52	believed	believe	VERB
ajiss-452	31	53	to	to	PART
ajiss-452	31	54	have	have	VERB
ajiss-452	31	55	a	a	DET
ajiss-452	31	56	larger	large	ADJ
ajiss-452	31	57	market	market	NOUN
ajiss-452	31	58	share	share	NOUN
ajiss-452	31	59	than	than	ADP
ajiss-452	31	60	tnsb	tnsb	NOUN
ajiss-452	31	61	,	,	PUNCT
ajiss-452	31	62	in	in	ADP
ajiss-452	31	63	terms	term	NOUN
ajiss-452	31	64	of	of	ADP
ajiss-452	31	65	volume	volume	NOUN
ajiss-452	31	66	and	and	CCONJ
ajiss-452	31	67	membership	membership	NOUN
ajiss-452	31	68	,	,	PUNCT
ajiss-452	31	69	and	and	CCONJ
ajiss-452	31	70	due	due	ADP
ajiss-452	31	71	to	to	ADP
ajiss-452	31	72	the	the	DET
ajiss-452	31	73	fact	fact	NOUN
ajiss-452	31	74	that	that	SCONJ
ajiss-452	31	75	it	it	PRON
ajiss-452	31	76	was	be	AUX
ajiss-452	31	77	established	establish	VERB
ajiss-452	31	78	earlier	early	ADV
ajiss-452	31	79	and	and	CCONJ
ajiss-452	31	80	has	have	VERB
ajiss-452	31	81	the	the	DET
ajiss-452	31	82	firm	firm	ADJ
ajiss-452	31	83	backing	backing	NOUN
ajiss-452	31	84	of	of	ADP
ajiss-452	31	85	its	its	PRON
ajiss-452	31	86	banking	banking	NOUN
ajiss-452	31	87	parent	parent	NOUN
ajiss-452	31	88	company	company	NOUN
ajiss-452	31	89	.	.	PUNCT
ajiss-452	32	1	however	however	ADV
ajiss-452	32	2	,	,	PUNCT
ajiss-452	32	3	exact	exact	ADJ
ajiss-452	32	4	figures	figure	NOUN
ajiss-452	32	5	are	be	AUX
ajiss-452	32	6	not	not	PART
ajiss-452	32	7	available	available	ADJ
ajiss-452	32	8	.	.	PUNCT
ajiss-452	33	1	this	this	DET
ajiss-452	33	2	paper	paper	NOUN
ajiss-452	33	3	,	,	PUNCT
ajiss-452	33	4	which	which	PRON
ajiss-452	33	5	examines	examine	VERB
ajiss-452	33	6	a	a	DET
ajiss-452	33	7	strategy	strategy	NOUN
ajiss-452	33	8	within	within	ADP
ajiss-452	33	9	malaysian	malaysian	ADJ
ajiss-452	33	10	takaful	takaful	ADJ
ajiss-452	33	11	companies	company	NOUN
ajiss-452	33	12	and	and	CCONJ
ajiss-452	33	13	analyzes	analyze	VERB
ajiss-452	33	14	how	how	SCONJ
ajiss-452	33	15	customers	customer	NOUN
ajiss-452	33	16	perceive	perceive	VERB
ajiss-452	33	17	it	it	PRON
ajiss-452	33	18	is	be	AUX
ajiss-452	33	19	structured	structure	VERB
ajiss-452	33	20	in	in	ADP
ajiss-452	33	21	the	the	DET
ajiss-452	33	22	following	follow	VERB
ajiss-452	33	23	manner	manner	NOUN
ajiss-452	33	24	:	:	PUNCT
ajiss-452	33	25	an	an	DET
ajiss-452	33	26	introduction	introduction	NOUN
ajiss-452	33	27	to	to	ADP
ajiss-452	33	28	the	the	DET
ajiss-452	33	29	two	two	NUM
ajiss-452	33	30	above	above	ADV
ajiss-452	33	31	-	-	PUNCT
ajiss-452	33	32	mentioned	mention	VERB
ajiss-452	33	33	takaful	takaful	ADJ
ajiss-452	33	34	companies	company	NOUN
ajiss-452	33	35	precedes	precede	VERB
ajiss-452	33	36	a	a	DET
ajiss-452	33	37	brief	brief	ADJ
ajiss-452	33	38	discussion	discussion	NOUN
ajiss-452	33	39	on	on	ADP
ajiss-452	33	40	the	the	DET
ajiss-452	33	41	concept	concept	NOUN
ajiss-452	33	42	of	of	ADP
ajiss-452	33	43	takaful	takaful	ADJ
ajiss-452	33	44	and	and	CCONJ
ajiss-452	33	45	how	how	SCONJ
ajiss-452	33	46	it	it	PRON
ajiss-452	33	47	works	work	VERB
ajiss-452	33	48	in	in	ADP
ajiss-452	33	49	malaysia	malaysia	PROPN
ajiss-452	33	50	.	.	PUNCT
ajiss-452	34	1	the	the	DET
ajiss-452	34	2	following	follow	VERB
ajiss-452	34	3	sections	section	NOUN
ajiss-452	34	4	then	then	ADV
ajiss-452	34	5	introduce	introduce	VERB
ajiss-452	34	6	the	the	DET
ajiss-452	34	7	concept	concept	NOUN
ajiss-452	34	8	of	of	ADP
ajiss-452	34	9	agency	agency	NOUN
ajiss-452	34	10	and	and	CCONJ
ajiss-452	34	11	explore	explore	VERB
ajiss-452	34	12	the	the	DET
ajiss-452	34	13	ikhtilaf	ikhtilaf	ADJ
ajiss-452	34	14	issue	issue	NOUN
ajiss-452	34	15	that	that	PRON
ajiss-452	34	16	caused	cause	VERB
ajiss-452	34	17	the	the	DET
ajiss-452	34	18	particular	particular	ADJ
ajiss-452	34	19	strategy	strategy	NOUN
ajiss-452	34	20	to	to	PART
ajiss-452	34	21	be	be	AUX
ajiss-452	34	22	chosen	choose	VERB
ajiss-452	34	23	;	;	PUNCT
ajiss-452	34	24	present	present	VERB
ajiss-452	34	25	the	the	DET
ajiss-452	34	26	approach	approach	NOUN
ajiss-452	34	27	and	and	CCONJ
ajiss-452	34	28	results	result	NOUN
ajiss-452	34	29	of	of	ADP
ajiss-452	34	30	the	the	DET
ajiss-452	34	31	customer	customer	NOUN
ajiss-452	34	32	preferences	preference	NOUN
ajiss-452	34	33	survey	survey	NOUN
ajiss-452	34	34	;	;	PUNCT
ajiss-452	34	35	and	and	CCONJ
ajiss-452	34	36	discuss	discuss	VERB
ajiss-452	34	37	how	how	SCONJ
ajiss-452	34	38	to	to	PART
ajiss-452	34	39	eliminate	eliminate	VERB
ajiss-452	34	40	and/or	and/or	CCONJ
ajiss-452	34	41	minimize	minimize	VERB
ajiss-452	34	42	the	the	DET
ajiss-452	34	43	problems	problem	NOUN
ajiss-452	34	44	associated	associate	VERB
ajiss-452	34	45	with	with	ADP
ajiss-452	34	46	the	the	DET
ajiss-452	34	47	use	use	NOUN
ajiss-452	34	48	of	of	ADP
ajiss-452	34	49	sales	sale	NOUN
ajiss-452	34	50	agents	agent	NOUN
ajiss-452	34	51	.	.	PUNCT
ajiss-452	35	1	the	the	DET
ajiss-452	35	2	paper	paper	NOUN
ajiss-452	35	3	ends	end	VERB
ajiss-452	35	4	with	with	ADP
ajiss-452	35	5	a	a	DET
ajiss-452	35	6	conclusion	conclusion	NOUN
ajiss-452	35	7	.	.	PUNCT
ajiss-452	36	1	the	the	DET
ajiss-452	36	2	background	background	NOUN
ajiss-452	36	3	of	of	ADP
ajiss-452	36	4	stmb	stmb	NOUN
ajiss-452	36	5	and	and	CCONJ
ajiss-452	36	6	tnsb	tnsb	NOUN
ajiss-452	36	7	this	this	DET
ajiss-452	36	8	study	study	NOUN
ajiss-452	36	9	was	be	AUX
ajiss-452	36	10	conducted	conduct	VERB
ajiss-452	36	11	at	at	ADP
ajiss-452	36	12	a	a	DET
ajiss-452	36	13	time	time	NOUN
ajiss-452	36	14	when	when	SCONJ
ajiss-452	36	15	two	two	NUM
ajiss-452	36	16	companies	company	NOUN
ajiss-452	36	17	were	be	AUX
ajiss-452	36	18	competing	compete	VERB
ajiss-452	36	19	in	in	ADP
ajiss-452	36	20	the	the	DET
ajiss-452	36	21	takaful	takaful	ADJ
ajiss-452	36	22	business	business	NOUN
ajiss-452	36	23	.	.	PUNCT
ajiss-452	37	1	the	the	DET
ajiss-452	37	2	first	first	ADJ
ajiss-452	37	3	,	,	PUNCT
ajiss-452	37	4	stmb	stmb	NOUN
ajiss-452	37	5	,	,	PUNCT
ajiss-452	37	6	is	be	AUX
ajiss-452	37	7	a	a	DET
ajiss-452	37	8	publicly	publicly	ADV
ajiss-452	37	9	listed	list	VERB
ajiss-452	37	10	company	company	NOUN
ajiss-452	37	11	and	and	CCONJ
ajiss-452	37	12	the	the	DET
ajiss-452	37	13	industry	industry	NOUN
ajiss-452	37	14	’s	’s	PART
ajiss-452	37	15	pioneer	pioneer	NOUN
ajiss-452	37	16	.	.	PUNCT
ajiss-452	38	1	it	it	PRON
ajiss-452	38	2	was	be	AUX
ajiss-452	38	3	established	establish	VERB
ajiss-452	38	4	in	in	ADP
ajiss-452	38	5	1984	1984	NUM
ajiss-452	38	6	with	with	ADP
ajiss-452	38	7	the	the	DET
ajiss-452	38	8	objective	objective	NOUN
ajiss-452	38	9	of	of	ADP
ajiss-452	38	10	providing	provide	VERB
ajiss-452	38	11	the	the	DET
ajiss-452	38	12	highest	high	ADJ
ajiss-452	38	13	level	level	NOUN
ajiss-452	38	14	of	of	ADP
ajiss-452	38	15	efficient	efficient	ADJ
ajiss-452	38	16	and	and	CCONJ
ajiss-452	38	17	professional	professional	ADJ
ajiss-452	38	18	takaful	takaful	ADJ
ajiss-452	38	19	services	service	NOUN
ajiss-452	38	20	to	to	ADP
ajiss-452	38	21	all	all	DET
ajiss-452	38	22	muslims	muslims	PROPN
ajiss-452	38	23	and	and	CCONJ
ajiss-452	38	24	to	to	ADP
ajiss-452	38	25	the	the	DET
ajiss-452	38	26	general	general	ADJ
ajiss-452	38	27	public	public	NOUN
ajiss-452	38	28	.	.	PUNCT
ajiss-452	39	1	the	the	DET
ajiss-452	39	2	other	other	ADJ
ajiss-452	39	3	company	company	NOUN
ajiss-452	39	4	,	,	PUNCT
ajiss-452	39	5	tnsb	tnsb	NOUN
ajiss-452	39	6	,	,	PUNCT
ajiss-452	39	7	is	be	AUX
ajiss-452	39	8	unlisted	unliste	VERB
ajiss-452	39	9	and	and	CCONJ
ajiss-452	39	10	was	be	AUX
ajiss-452	39	11	set	set	VERB
ajiss-452	39	12	up	up	ADP
ajiss-452	39	13	with	with	ADP
ajiss-452	39	14	a	a	DET
ajiss-452	39	15	similar	similar	ADJ
ajiss-452	39	16	objective	objective	NOUN
ajiss-452	39	17	approximately	approximately	ADV
ajiss-452	39	18	9	9	NUM
ajiss-452	39	19	years	year	NOUN
ajiss-452	39	20	later	later	ADV
ajiss-452	39	21	,	,	PUNCT
ajiss-452	39	22	with	with	ADP
ajiss-452	39	23	the	the	DET
ajiss-452	39	24	birth	birth	NOUN
ajiss-452	39	25	of	of	ADP
ajiss-452	39	26	malaysian	malaysian	ADJ
ajiss-452	39	27	national	national	PROPN
ajiss-452	39	28	insurance	insurance	PROPN
ajiss-452	39	29	(	(	PUNCT
ajiss-452	39	30	mni	mni	NOUN
ajiss-452	39	31	)	)	PUNCT
ajiss-452	39	32	takaful	takaful	ADJ
ajiss-452	39	33	sdn	sdn	PROPN
ajiss-452	39	34	bhd.5	bhd.5	PROPN
ajiss-452	39	35	in	in	ADP
ajiss-452	39	36	particular	particular	ADJ
ajiss-452	39	37	,	,	PUNCT
ajiss-452	39	38	it	it	PRON
ajiss-452	39	39	provides	provide	VERB
ajiss-452	39	40	the	the	DET
ajiss-452	39	41	industry	industry	NOUN
ajiss-452	39	42	with	with	ADP
ajiss-452	39	43	the	the	DET
ajiss-452	39	44	desired	desire	VERB
ajiss-452	39	45	level	level	NOUN
ajiss-452	39	46	of	of	ADP
ajiss-452	39	47	competition	competition	NOUN
ajiss-452	39	48	and	and	CCONJ
ajiss-452	39	49	with	with	ADP
ajiss-452	39	50	an	an	DET
ajiss-452	39	51	alternative	alternative	NOUN
ajiss-452	39	52	that	that	PRON
ajiss-452	39	53	potential	potential	ADJ
ajiss-452	39	54	customers	customer	NOUN
ajiss-452	39	55	can	can	AUX
ajiss-452	39	56	use	use	VERB
ajiss-452	39	57	to	to	PART
ajiss-452	39	58	fulfill	fulfill	VERB
ajiss-452	39	59	their	their	PRON
ajiss-452	39	60	takaful	takaful	ADJ
ajiss-452	39	61	needs	need	NOUN
ajiss-452	39	62	.	.	PUNCT
ajiss-452	40	1	the	the	DET
ajiss-452	40	2	principal	principal	ADJ
ajiss-452	40	3	activities	activity	NOUN
ajiss-452	40	4	of	of	ADP
ajiss-452	40	5	both	both	DET
ajiss-452	40	6	companies	company	NOUN
ajiss-452	40	7	are	be	AUX
ajiss-452	40	8	the	the	DET
ajiss-452	40	9	provision	provision	NOUN
ajiss-452	40	10	of	of	ADP
ajiss-452	40	11	takaful	takaful	ADJ
ajiss-452	40	12	keluarga	keluarga	PROPN
ajiss-452	40	13	(	(	PUNCT
ajiss-452	40	14	life	life	NOUN
ajiss-452	40	15	insurance	insurance	NOUN
ajiss-452	40	16	in	in	ADP
ajiss-452	40	17	the	the	DET
ajiss-452	40	18	conventional	conventional	ADJ
ajiss-452	40	19	sense	sense	NOUN
ajiss-452	40	20	)	)	PUNCT
ajiss-452	40	21	and	and	CCONJ
ajiss-452	40	22	general	general	ADJ
ajiss-452	40	23	takaful	takaful	ADJ
ajiss-452	40	24	(	(	PUNCT
ajiss-452	40	25	equivalent	equivalent	ADJ
ajiss-452	40	26	to	to	ADP
ajiss-452	40	27	conventional	conventional	ADJ
ajiss-452	40	28	general	general	ADJ
ajiss-452	40	29	insurance	insurance	NOUN
ajiss-452	40	30	plans	plan	NOUN
ajiss-452	40	31	)	)	PUNCT
ajiss-452	40	32	,	,	PUNCT
ajiss-452	40	33	with	with	ADP
ajiss-452	40	34	malaysian	malaysian	ADJ
ajiss-452	40	35	muslims	muslims	PROPN
ajiss-452	40	36	being	be	AUX
ajiss-452	40	37	the	the	DET
ajiss-452	40	38	main	main	ADJ
ajiss-452	40	39	target	target	NOUN
ajiss-452	40	40	initially.6	initially.6	VERB
ajiss-452	40	41	apart	apart	ADV
ajiss-452	40	42	from	from	ADP
ajiss-452	40	43	having	have	VERB
ajiss-452	40	44	the	the	DET
ajiss-452	40	45	same	same	ADJ
ajiss-452	40	46	principal	principal	ADJ
ajiss-452	40	47	activities	activity	NOUN
ajiss-452	40	48	,	,	PUNCT
ajiss-452	40	49	objectives	objective	NOUN
ajiss-452	40	50	,	,	PUNCT
ajiss-452	40	51	and	and	CCONJ
ajiss-452	40	52	niche	niche	NOUN
ajiss-452	40	53	market	market	NOUN
ajiss-452	40	54	,	,	PUNCT
ajiss-452	40	55	the	the	DET
ajiss-452	40	56	companies	company	NOUN
ajiss-452	40	57	mirror	mirror	VERB
ajiss-452	40	58	one	one	NUM
ajiss-452	40	59	another	another	DET
ajiss-452	40	60	almost	almost	ADV
ajiss-452	40	61	exactly	exactly	ADV
ajiss-452	40	62	in	in	ADP
ajiss-452	40	63	terms	term	NOUN
ajiss-452	40	64	of	of	ADP
ajiss-452	40	65	products	product	NOUN
ajiss-452	40	66	and	and	CCONJ
ajiss-452	40	67	benefits	benefit	NOUN
ajiss-452	40	68	,	,	PUNCT
ajiss-452	40	69	the	the	DET
ajiss-452	40	70	external	external	ADJ
ajiss-452	40	71	envi30	envi30	NOUN
ajiss-452	40	72	the	the	DET
ajiss-452	40	73	american	american	PROPN
ajiss-452	40	74	journal	journal	PROPN
ajiss-452	40	75	of	of	ADP
ajiss-452	40	76	islamic	islamic	ADJ
ajiss-452	40	77	social	social	PROPN
ajiss-452	40	78	sciences	science	NOUN
ajiss-452	40	79	22:1	22:1	NUM
ajiss-452	40	80	ronmental	ronmental	ADJ
ajiss-452	40	81	factors	factor	NOUN
ajiss-452	40	82	with	with	ADP
ajiss-452	40	83	which	which	PRON
ajiss-452	40	84	they	they	PRON
ajiss-452	40	85	interact,7	interact,7	VERB
ajiss-452	40	86	and	and	CCONJ
ajiss-452	40	87	internal	internal	ADJ
ajiss-452	40	88	organizational	organizational	ADJ
ajiss-452	40	89	structures	structure	NOUN
ajiss-452	40	90	.	.	PUNCT
ajiss-452	41	1	the	the	DET
ajiss-452	41	2	internal	internal	ADJ
ajiss-452	41	3	governance	governance	NOUN
ajiss-452	41	4	structure	structure	NOUN
ajiss-452	41	5	of	of	ADP
ajiss-452	41	6	takaful	takaful	ADJ
ajiss-452	41	7	companies	company	NOUN
ajiss-452	41	8	includes	include	VERB
ajiss-452	41	9	an	an	DET
ajiss-452	41	10	independent	independent	ADJ
ajiss-452	41	11	body	body	NOUN
ajiss-452	41	12	,	,	PUNCT
ajiss-452	41	13	namely	namely	ADV
ajiss-452	41	14	,	,	PUNCT
ajiss-452	41	15	the	the	DET
ajiss-452	41	16	shari`ah	shari`ah	PROPN
ajiss-452	41	17	advisory	advisory	ADJ
ajiss-452	41	18	council	council	PROPN
ajiss-452	41	19	,	,	PUNCT
ajiss-452	41	20	which	which	PRON
ajiss-452	41	21	is	be	AUX
ajiss-452	41	22	responsible	responsible	ADJ
ajiss-452	41	23	for	for	ADP
ajiss-452	41	24	ensuring	ensure	VERB
ajiss-452	41	25	that	that	SCONJ
ajiss-452	41	26	business	business	NOUN
ajiss-452	41	27	operations	operation	NOUN
ajiss-452	41	28	conform	conform	VERB
ajiss-452	41	29	to	to	ADP
ajiss-452	41	30	the	the	DET
ajiss-452	41	31	relevant	relevant	ADJ
ajiss-452	41	32	shari`ah	shari`ah	NOUN
ajiss-452	41	33	precepts	precept	NOUN
ajiss-452	41	34	.	.	PUNCT
ajiss-452	42	1	in	in	ADP
ajiss-452	42	2	other	other	ADJ
ajiss-452	42	3	words	word	NOUN
ajiss-452	42	4	,	,	PUNCT
ajiss-452	42	5	potential	potential	ADJ
ajiss-452	42	6	customers	customer	NOUN
ajiss-452	42	7	are	be	AUX
ajiss-452	42	8	not	not	PART
ajiss-452	42	9	able	able	ADJ
ajiss-452	42	10	to	to	PART
ajiss-452	42	11	tell	tell	VERB
ajiss-452	42	12	the	the	DET
ajiss-452	42	13	difference	difference	NOUN
ajiss-452	42	14	between	between	ADP
ajiss-452	42	15	these	these	DET
ajiss-452	42	16	two	two	NUM
ajiss-452	42	17	competitors	competitor	NOUN
ajiss-452	42	18	,	,	PUNCT
ajiss-452	42	19	other	other	ADJ
ajiss-452	42	20	than	than	ADP
ajiss-452	42	21	the	the	DET
ajiss-452	42	22	fact	fact	NOUN
ajiss-452	42	23	that	that	SCONJ
ajiss-452	42	24	stmb	stmb	NOUN
ajiss-452	42	25	has	have	AUX
ajiss-452	42	26	been	be	AUX
ajiss-452	42	27	in	in	ADP
ajiss-452	42	28	the	the	DET
ajiss-452	42	29	market	market	NOUN
ajiss-452	42	30	for	for	ADP
ajiss-452	42	31	a	a	DET
ajiss-452	42	32	longer	long	ADJ
ajiss-452	42	33	period	period	NOUN
ajiss-452	42	34	of	of	ADP
ajiss-452	42	35	time	time	NOUN
ajiss-452	42	36	.	.	PUNCT
ajiss-452	43	1	nonetheless	nonetheless	ADV
ajiss-452	43	2	,	,	PUNCT
ajiss-452	43	3	there	there	PRON
ajiss-452	43	4	is	be	VERB
ajiss-452	43	5	a	a	DET
ajiss-452	43	6	very	very	ADV
ajiss-452	43	7	distinctive	distinctive	ADJ
ajiss-452	43	8	difference	difference	NOUN
ajiss-452	43	9	in	in	ADP
ajiss-452	43	10	the	the	DET
ajiss-452	43	11	two	two	NUM
ajiss-452	43	12	companies	company	NOUN
ajiss-452	43	13	’	'	PUNCT
ajiss-452	43	14	mode	mode	NOUN
ajiss-452	43	15	of	of	ADP
ajiss-452	43	16	operation	operation	NOUN
ajiss-452	43	17	,	,	PUNCT
ajiss-452	43	18	particularly	particularly	ADV
ajiss-452	43	19	in	in	ADP
ajiss-452	43	20	the	the	DET
ajiss-452	43	21	area	area	NOUN
ajiss-452	43	22	of	of	ADP
ajiss-452	43	23	attracting	attract	VERB
ajiss-452	43	24	and	and	CCONJ
ajiss-452	43	25	servicing	service	VERB
ajiss-452	43	26	takaful	takaful	ADJ
ajiss-452	43	27	customers	customer	NOUN
ajiss-452	43	28	.	.	PUNCT
ajiss-452	44	1	this	this	PRON
ajiss-452	44	2	distinguishing	distinguish	VERB
ajiss-452	44	3	feature	feature	NOUN
ajiss-452	44	4	is	be	AUX
ajiss-452	44	5	the	the	DET
ajiss-452	44	6	result	result	NOUN
ajiss-452	44	7	of	of	ADP
ajiss-452	44	8	stmb	stmb	NOUN
ajiss-452	44	9	’s	’s	PART
ajiss-452	44	10	decision	decision	NOUN
ajiss-452	44	11	not	not	PART
ajiss-452	44	12	to	to	PART
ajiss-452	44	13	use	use	VERB
ajiss-452	44	14	takaful	takaful	ADJ
ajiss-452	44	15	sales	sale	NOUN
ajiss-452	44	16	agents	agent	NOUN
ajiss-452	44	17	to	to	PART
ajiss-452	44	18	sell	sell	VERB
ajiss-452	44	19	and	and	CCONJ
ajiss-452	44	20	market	market	VERB
ajiss-452	44	21	its	its	PRON
ajiss-452	44	22	takaful	takaful	ADJ
ajiss-452	44	23	products	product	NOUN
ajiss-452	44	24	.	.	PUNCT
ajiss-452	45	1	stmb	stmb	NOUN
ajiss-452	45	2	expects	expect	VERB
ajiss-452	45	3	interested	interested	ADJ
ajiss-452	45	4	potential	potential	ADJ
ajiss-452	45	5	customers	customer	NOUN
ajiss-452	45	6	to	to	PART
ajiss-452	45	7	come	come	VERB
ajiss-452	45	8	to	to	ADP
ajiss-452	45	9	its	its	PRON
ajiss-452	45	10	counters	counter	NOUN
ajiss-452	45	11	to	to	PART
ajiss-452	45	12	buy	buy	VERB
ajiss-452	45	13	either	either	PRON
ajiss-452	45	14	one	one	NUM
ajiss-452	45	15	or	or	CCONJ
ajiss-452	45	16	a	a	DET
ajiss-452	45	17	combination	combination	NOUN
ajiss-452	45	18	of	of	ADP
ajiss-452	45	19	its	its	PRON
ajiss-452	45	20	product(s	product(s	NOUN
ajiss-452	45	21	)	)	PUNCT
ajiss-452	45	22	or	or	CCONJ
ajiss-452	45	23	plan(s	plan(s	NOUN
ajiss-452	45	24	)	)	PUNCT
ajiss-452	45	25	.	.	PUNCT
ajiss-452	46	1	tnsb	tnsb	NOUN
ajiss-452	46	2	,	,	PUNCT
ajiss-452	46	3	on	on	ADP
ajiss-452	46	4	the	the	DET
ajiss-452	46	5	other	other	ADJ
ajiss-452	46	6	hand	hand	NOUN
ajiss-452	46	7	,	,	PUNCT
ajiss-452	46	8	utilizes	utilize	VERB
ajiss-452	46	9	agents	agent	NOUN
ajiss-452	46	10	in	in	ADP
ajiss-452	46	11	a	a	DET
ajiss-452	46	12	way	way	NOUN
ajiss-452	46	13	similar	similar	ADJ
ajiss-452	46	14	to	to	ADP
ajiss-452	46	15	that	that	PRON
ajiss-452	46	16	found	find	VERB
ajiss-452	46	17	in	in	ADP
ajiss-452	46	18	most	most	ADJ
ajiss-452	46	19	conventional	conventional	ADJ
ajiss-452	46	20	insurance	insurance	NOUN
ajiss-452	46	21	companies	company	NOUN
ajiss-452	46	22	.	.	PUNCT
ajiss-452	47	1	the	the	DET
ajiss-452	47	2	decision	decision	NOUN
ajiss-452	47	3	of	of	ADP
ajiss-452	47	4	whether	whether	SCONJ
ajiss-452	47	5	to	to	PART
ajiss-452	47	6	use	use	VERB
ajiss-452	47	7	agents	agent	NOUN
ajiss-452	47	8	or	or	CCONJ
ajiss-452	47	9	not	not	PART
ajiss-452	47	10	,	,	PUNCT
ajiss-452	47	11	is	be	AUX
ajiss-452	47	12	not	not	PART
ajiss-452	47	13	influenced	influence	VERB
ajiss-452	47	14	by	by	ADP
ajiss-452	47	15	management	management	NOUN
ajiss-452	47	16	intuition	intuition	NOUN
ajiss-452	47	17	and	and	CCONJ
ajiss-452	47	18	judgment	judgment	NOUN
ajiss-452	47	19	,	,	PUNCT
ajiss-452	47	20	but	but	CCONJ
ajiss-452	47	21	rather	rather	ADV
ajiss-452	47	22	by	by	ADP
ajiss-452	47	23	the	the	DET
ajiss-452	47	24	company	company	NOUN
ajiss-452	47	25	’s	’s	PART
ajiss-452	47	26	adherence	adherence	NOUN
ajiss-452	47	27	to	to	ADP
ajiss-452	47	28	the	the	DET
ajiss-452	47	29	previously	previously	ADV
ajiss-452	47	30	mentioned	mention	VERB
ajiss-452	47	31	different	different	ADJ
ajiss-452	47	32	juristic	juristic	ADJ
ajiss-452	47	33	views	view	NOUN
ajiss-452	47	34	.	.	PUNCT
ajiss-452	48	1	before	before	SCONJ
ajiss-452	48	2	this	this	DET
ajiss-452	48	3	juristic	juristic	ADJ
ajiss-452	48	4	issue	issue	NOUN
ajiss-452	48	5	is	be	AUX
ajiss-452	48	6	examined	examine	VERB
ajiss-452	48	7	further	far	ADV
ajiss-452	48	8	,	,	PUNCT
ajiss-452	48	9	a	a	DET
ajiss-452	48	10	brief	brief	ADJ
ajiss-452	48	11	overview	overview	NOUN
ajiss-452	48	12	of	of	ADP
ajiss-452	48	13	the	the	DET
ajiss-452	48	14	takaful	takaful	ADJ
ajiss-452	48	15	business	business	NOUN
ajiss-452	48	16	in	in	ADP
ajiss-452	48	17	malaysia	malaysia	PROPN
ajiss-452	48	18	will	will	AUX
ajiss-452	48	19	be	be	AUX
ajiss-452	48	20	presented	present	VERB
ajiss-452	48	21	.	.	PUNCT
ajiss-452	49	1	the	the	DET
ajiss-452	49	2	concept	concept	NOUN
ajiss-452	49	3	of	of	ADP
ajiss-452	49	4	takaful	takaful	ADJ
ajiss-452	49	5	and	and	CCONJ
ajiss-452	49	6	the	the	DET
ajiss-452	49	7	malaysian	malaysian	ADJ
ajiss-452	49	8	model	model	NOUN
ajiss-452	49	9	stemming	stem	VERB
ajiss-452	49	10	from	from	ADP
ajiss-452	49	11	the	the	DET
ajiss-452	49	12	arabic	arabic	ADJ
ajiss-452	49	13	verb	verb	NOUN
ajiss-452	49	14	kafal	kafal	PROPN
ajiss-452	49	15	,	,	PUNCT
ajiss-452	49	16	which	which	PRON
ajiss-452	49	17	literally	literally	ADV
ajiss-452	49	18	means	mean	VERB
ajiss-452	49	19	“	"	PUNCT
ajiss-452	49	20	to	to	PART
ajiss-452	49	21	take	take	VERB
ajiss-452	49	22	care	care	NOUN
ajiss-452	49	23	of	of	ADP
ajiss-452	49	24	one	one	NUM
ajiss-452	49	25	’s	’s	PART
ajiss-452	49	26	needs	need	NOUN
ajiss-452	49	27	,	,	PUNCT
ajiss-452	49	28	”	"	PUNCT
ajiss-452	49	29	takaful	takaful	ADJ
ajiss-452	49	30	is	be	AUX
ajiss-452	49	31	a	a	DET
ajiss-452	49	32	concept	concept	NOUN
ajiss-452	49	33	of	of	ADP
ajiss-452	49	34	which	which	PRON
ajiss-452	49	35	the	the	DET
ajiss-452	49	36	shari`ah	shari`ah	PROPN
ajiss-452	49	37	approves	approve	VERB
ajiss-452	49	38	.	.	PUNCT
ajiss-452	50	1	section	section	NOUN
ajiss-452	50	2	2	2	NUM
ajiss-452	50	3	of	of	ADP
ajiss-452	50	4	the	the	DET
ajiss-452	50	5	malaysian	malaysian	ADJ
ajiss-452	50	6	takaful	takaful	PROPN
ajiss-452	50	7	act	act	PROPN
ajiss-452	50	8	defines	define	VERB
ajiss-452	50	9	takaful	takaful	ADJ
ajiss-452	50	10	as	as	ADP
ajiss-452	50	11	“	"	PUNCT
ajiss-452	50	12	a	a	DET
ajiss-452	50	13	scheme	scheme	NOUN
ajiss-452	50	14	based	base	VERB
ajiss-452	50	15	on	on	ADP
ajiss-452	50	16	brotherhood	brotherhood	PROPN
ajiss-452	50	17	,	,	PUNCT
ajiss-452	50	18	solidarity	solidarity	NOUN
ajiss-452	50	19	and	and	CCONJ
ajiss-452	50	20	mutual	mutual	ADJ
ajiss-452	50	21	assistance	assistance	NOUN
ajiss-452	50	22	which	which	PRON
ajiss-452	50	23	provides	provide	VERB
ajiss-452	50	24	for	for	ADP
ajiss-452	50	25	mutual	mutual	ADJ
ajiss-452	50	26	financial	financial	ADJ
ajiss-452	50	27	aid	aid	NOUN
ajiss-452	50	28	and	and	CCONJ
ajiss-452	50	29	assistance	assistance	NOUN
ajiss-452	50	30	to	to	ADP
ajiss-452	50	31	the	the	DET
ajiss-452	50	32	participants	participant	NOUN
ajiss-452	50	33	in	in	ADP
ajiss-452	50	34	case	case	NOUN
ajiss-452	50	35	of	of	ADP
ajiss-452	50	36	need	need	NOUN
ajiss-452	50	37	whereby	whereby	SCONJ
ajiss-452	50	38	the	the	DET
ajiss-452	50	39	participants	participant	NOUN
ajiss-452	50	40	mutually	mutually	ADV
ajiss-452	50	41	agree	agree	VERB
ajiss-452	50	42	to	to	PART
ajiss-452	50	43	contribute	contribute	VERB
ajiss-452	50	44	for	for	ADP
ajiss-452	50	45	that	that	DET
ajiss-452	50	46	purpose	purpose	NOUN
ajiss-452	50	47	.	.	PUNCT
ajiss-452	50	48	”8	”8	PUNCT
ajiss-452	51	1	its	its	PRON
ajiss-452	51	2	basic	basic	ADJ
ajiss-452	51	3	objective	objective	NOUN
ajiss-452	51	4	is	be	AUX
ajiss-452	51	5	to	to	PART
ajiss-452	51	6	pay	pay	VERB
ajiss-452	51	7	for	for	ADP
ajiss-452	51	8	a	a	DET
ajiss-452	51	9	defined	define	VERB
ajiss-452	51	10	loss	loss	NOUN
ajiss-452	51	11	from	from	ADP
ajiss-452	51	12	a	a	DET
ajiss-452	51	13	defined	define	VERB
ajiss-452	51	14	fund.9	fund.9	NOUN
ajiss-452	51	15	this	this	DET
ajiss-452	51	16	concept	concept	NOUN
ajiss-452	51	17	was	be	AUX
ajiss-452	51	18	practiced	practice	VERB
ajiss-452	51	19	at	at	ADP
ajiss-452	51	20	the	the	DET
ajiss-452	51	21	time	time	NOUN
ajiss-452	51	22	of	of	ADP
ajiss-452	51	23	prophet	prophet	NOUN
ajiss-452	51	24	muhammad	muhammad	PROPN
ajiss-452	51	25	(	(	PUNCT
ajiss-452	51	26	pbuh	pbuh	NOUN
ajiss-452	51	27	)	)	PUNCT
ajiss-452	51	28	.	.	PUNCT
ajiss-452	52	1	then	then	ADV
ajiss-452	52	2	,	,	PUNCT
ajiss-452	52	3	members	member	NOUN
ajiss-452	52	4	of	of	ADP
ajiss-452	52	5	the	the	DET
ajiss-452	52	6	community	community	NOUN
ajiss-452	52	7	contributed	contribute	VERB
ajiss-452	52	8	to	to	ADP
ajiss-452	52	9	a	a	DET
ajiss-452	52	10	fund	fund	NOUN
ajiss-452	52	11	,	,	PUNCT
ajiss-452	52	12	known	know	VERB
ajiss-452	52	13	as	as	ADP
ajiss-452	52	14	al	al	PROPN
ajiss-452	52	15	-	-	PUNCT
ajiss-452	52	16	kanz	kanz	PROPN
ajiss-452	52	17	,	,	PUNCT
ajiss-452	52	18	to	to	PART
ajiss-452	52	19	help	help	VERB
ajiss-452	52	20	a	a	DET
ajiss-452	52	21	member	member	NOUN
ajiss-452	52	22	of	of	ADP
ajiss-452	52	23	the	the	DET
ajiss-452	52	24	community	community	NOUN
ajiss-452	52	25	who	who	PRON
ajiss-452	52	26	had	have	VERB
ajiss-452	52	27	to	to	PART
ajiss-452	52	28	pay	pay	VERB
ajiss-452	52	29	blood	blood	NOUN
ajiss-452	52	30	money	money	NOUN
ajiss-452	52	31	(	(	PUNCT
ajiss-452	52	32	diyah	diyah	NOUN
ajiss-452	52	33	)	)	PUNCT
ajiss-452	52	34	for	for	ADP
ajiss-452	52	35	a	a	DET
ajiss-452	52	36	specific	specific	ADJ
ajiss-452	52	37	crime.10	crime.10	NOUN
ajiss-452	52	38	based	base	VERB
ajiss-452	52	39	on	on	ADP
ajiss-452	52	40	analogy	analogy	NOUN
ajiss-452	52	41	(	(	PUNCT
ajiss-452	52	42	qiyas	qiyas	PROPN
ajiss-452	52	43	)	)	PUNCT
ajiss-452	52	44	,	,	PUNCT
ajiss-452	52	45	this	this	DET
ajiss-452	52	46	practice	practice	NOUN
ajiss-452	52	47	of	of	ADP
ajiss-452	52	48	paying	pay	VERB
ajiss-452	52	49	diyah	diyah	NOUN
ajiss-452	52	50	is	be	AUX
ajiss-452	52	51	transformed	transform	VERB
ajiss-452	52	52	to	to	ADP
ajiss-452	52	53	takaful	takaful	ADJ
ajiss-452	52	54	,	,	PUNCT
ajiss-452	52	55	as	as	SCONJ
ajiss-452	52	56	currently	currently	ADV
ajiss-452	52	57	practiced	practice	VERB
ajiss-452	52	58	.	.	PUNCT
ajiss-452	53	1	takaful	takaful	ADJ
ajiss-452	53	2	is	be	AUX
ajiss-452	53	3	different	different	ADJ
ajiss-452	53	4	from	from	ADP
ajiss-452	53	5	conventional	conventional	ADJ
ajiss-452	53	6	insurance	insurance	NOUN
ajiss-452	53	7	in	in	ADP
ajiss-452	53	8	that	that	SCONJ
ajiss-452	53	9	the	the	DET
ajiss-452	53	10	premium	premium	NOUN
ajiss-452	53	11	(	(	PUNCT
ajiss-452	53	12	contribution	contribution	NOUN
ajiss-452	53	13	)	)	PUNCT
ajiss-452	53	14	paid	pay	VERB
ajiss-452	53	15	by	by	ADP
ajiss-452	53	16	each	each	DET
ajiss-452	53	17	participant	participant	NOUN
ajiss-452	53	18	should	should	AUX
ajiss-452	53	19	be	be	AUX
ajiss-452	53	20	made	make	VERB
ajiss-452	53	21	with	with	ADP
ajiss-452	53	22	the	the	DET
ajiss-452	53	23	intention	intention	NOUN
ajiss-452	53	24	of	of	ADP
ajiss-452	53	25	giving	give	VERB
ajiss-452	53	26	a	a	DET
ajiss-452	53	27	donation	donation	NOUN
ajiss-452	53	28	,	,	PUNCT
ajiss-452	53	29	gift	gift	NOUN
ajiss-452	53	30	,	,	PUNCT
ajiss-452	53	31	or	or	CCONJ
ajiss-452	53	32	contribution	contribution	NOUN
ajiss-452	53	33	(	(	PUNCT
ajiss-452	53	34	tabarru	tabarru	NOUN
ajiss-452	53	35	`	`	PUNCT
ajiss-452	53	36	)	)	PUNCT
ajiss-452	53	37	and	and	CCONJ
ajiss-452	53	38	not	not	PART
ajiss-452	53	39	of	of	ADP
ajiss-452	53	40	an	an	DET
ajiss-452	53	41	exchange	exchange	NOUN
ajiss-452	53	42	of	of	ADP
ajiss-452	53	43	goods	good	NOUN
ajiss-452	53	44	,	,	PUNCT
ajiss-452	53	45	because	because	SCONJ
ajiss-452	53	46	if	if	SCONJ
ajiss-452	53	47	tabarru	tabarru	PROPN
ajiss-452	53	48	`	`	PUNCT
ajiss-452	53	49	is	be	AUX
ajiss-452	53	50	involved	involve	VERB
ajiss-452	53	51	,	,	PUNCT
ajiss-452	53	52	the	the	DET
ajiss-452	53	53	shari`ah	shari`ah	PROPN
ajiss-452	53	54	considers	consider	VERB
ajiss-452	53	55	the	the	DET
ajiss-452	53	56	transaction	transaction	NOUN
ajiss-452	53	57	to	to	PART
ajiss-452	53	58	be	be	AUX
ajiss-452	53	59	permissible	permissible	ADJ
ajiss-452	53	60	.	.	PUNCT
ajiss-452	54	1	yusuf	yusuf	PROPN
ajiss-452	54	2	al	al	PROPN
ajiss-452	54	3	-	-	PUNCT
ajiss-452	54	4	qaradawi	qaradawi	PROPN
ajiss-452	54	5	has	have	AUX
ajiss-452	54	6	aptly	aptly	ADV
ajiss-452	54	7	summed	sum	VERB
ajiss-452	54	8	up	up	ADP
ajiss-452	54	9	the	the	DET
ajiss-452	54	10	jurists	jurist	NOUN
ajiss-452	54	11	’	'	PUNCT
ajiss-452	54	12	position	position	NOUN
ajiss-452	54	13	:	:	PUNCT
ajiss-452	54	14	annuar	annuar	ADJ
ajiss-452	54	15	:	:	PUNCT
ajiss-452	54	16	al	al	PROPN
ajiss-452	54	17	-	-	PUNCT
ajiss-452	54	18	wakalah	wakalah	PROPN
ajiss-452	54	19	and	and	CCONJ
ajiss-452	54	20	customers	customer	NOUN
ajiss-452	54	21	’	’	PART
ajiss-452	54	22	preferences	preference	NOUN
ajiss-452	54	23	toward	toward	ADP
ajiss-452	54	24	it	it	PRON
ajiss-452	54	25	31	31	NUM
ajiss-452	54	26	our	our	PRON
ajiss-452	54	27	observation	observation	NOUN
ajiss-452	54	28	that	that	SCONJ
ajiss-452	54	29	the	the	DET
ajiss-452	54	30	modern	modern	ADJ
ajiss-452	54	31	form	form	NOUN
ajiss-452	54	32	of	of	ADP
ajiss-452	54	33	insurance	insurance	NOUN
ajiss-452	54	34	companies	company	NOUN
ajiss-452	54	35	and	and	CCONJ
ajiss-452	54	36	their	their	PRON
ajiss-452	54	37	current	current	ADJ
ajiss-452	54	38	practices	practice	NOUN
ajiss-452	54	39	are	be	AUX
ajiss-452	54	40	objectionable	objectionable	ADJ
ajiss-452	54	41	islamically	islamically	ADV
ajiss-452	54	42	does	do	AUX
ajiss-452	54	43	not	not	PART
ajiss-452	54	44	mean	mean	VERB
ajiss-452	54	45	that	that	SCONJ
ajiss-452	54	46	islam	islam	PROPN
ajiss-452	54	47	is	be	AUX
ajiss-452	54	48	against	against	ADP
ajiss-452	54	49	the	the	DET
ajiss-452	54	50	concept	concept	NOUN
ajiss-452	54	51	of	of	ADP
ajiss-452	54	52	insurance	insurance	NOUN
ajiss-452	54	53	itself	itself	PRON
ajiss-452	54	54	:	:	PUNCT
ajiss-452	54	55	not	not	PART
ajiss-452	54	56	in	in	ADP
ajiss-452	54	57	the	the	DET
ajiss-452	54	58	least	least	ADJ
ajiss-452	54	59	–	–	PUNCT
ajiss-452	54	60	it	it	PRON
ajiss-452	54	61	only	only	ADV
ajiss-452	54	62	opposes	oppose	VERB
ajiss-452	54	63	the	the	DET
ajiss-452	54	64	means	mean	NOUN
ajiss-452	54	65	and	and	CCONJ
ajiss-452	54	66	methods	method	NOUN
ajiss-452	54	67	.	.	PUNCT
ajiss-452	55	1	if	if	SCONJ
ajiss-452	55	2	other	other	ADJ
ajiss-452	55	3	insurance	insurance	NOUN
ajiss-452	55	4	practices	practice	NOUN
ajiss-452	55	5	are	be	AUX
ajiss-452	55	6	employed	employ	VERB
ajiss-452	55	7	which	which	PRON
ajiss-452	55	8	do	do	AUX
ajiss-452	55	9	not	not	PART
ajiss-452	55	10	conflict	conflict	VERB
ajiss-452	55	11	with	with	ADP
ajiss-452	55	12	islamic	islamic	ADJ
ajiss-452	55	13	forms	form	NOUN
ajiss-452	55	14	of	of	ADP
ajiss-452	55	15	business	business	NOUN
ajiss-452	55	16	transactions	transaction	NOUN
ajiss-452	55	17	,	,	PUNCT
ajiss-452	55	18	islam	islam	PROPN
ajiss-452	55	19	will	will	AUX
ajiss-452	55	20	welcome	welcome	VERB
ajiss-452	55	21	them.11	them.11	PROPN
ajiss-452	55	22	takaful	takaful	ADJ
ajiss-452	55	23	,	,	PUNCT
ajiss-452	55	24	which	which	PRON
ajiss-452	55	25	is	be	AUX
ajiss-452	55	26	meant	mean	VERB
ajiss-452	55	27	to	to	PART
ajiss-452	55	28	foster	foster	VERB
ajiss-452	55	29	islamic	islamic	PROPN
ajiss-452	55	30	brotherhood	brotherhood	PROPN
ajiss-452	55	31	,	,	PUNCT
ajiss-452	55	32	stresses	stress	VERB
ajiss-452	55	33	the	the	DET
ajiss-452	55	34	importance	importance	NOUN
ajiss-452	55	35	of	of	ADP
ajiss-452	55	36	solidarity	solidarity	NOUN
ajiss-452	55	37	among	among	ADP
ajiss-452	55	38	those	those	DET
ajiss-452	55	39	participants	participant	NOUN
ajiss-452	55	40	who	who	PRON
ajiss-452	55	41	have	have	AUX
ajiss-452	55	42	agreed	agree	VERB
ajiss-452	55	43	to	to	PART
ajiss-452	55	44	bear	bear	VERB
ajiss-452	55	45	each	each	DET
ajiss-452	55	46	other	other	ADJ
ajiss-452	55	47	’s	’s	PART
ajiss-452	55	48	specified	specify	VERB
ajiss-452	55	49	loss	loss	NOUN
ajiss-452	55	50	,	,	PUNCT
ajiss-452	55	51	such	such	ADJ
ajiss-452	55	52	as	as	ADP
ajiss-452	55	53	death	death	NOUN
ajiss-452	55	54	or	or	CCONJ
ajiss-452	55	55	disasters	disaster	NOUN
ajiss-452	55	56	that	that	PRON
ajiss-452	55	57	befall	befall	VERB
ajiss-452	55	58	a	a	DET
ajiss-452	55	59	member	member	NOUN
ajiss-452	55	60	,	,	PUNCT
ajiss-452	55	61	especially	especially	ADV
ajiss-452	55	62	by	by	ADP
ajiss-452	55	63	donating	donate	VERB
ajiss-452	55	64	part	part	NOUN
ajiss-452	55	65	of	of	ADP
ajiss-452	55	66	the	the	DET
ajiss-452	55	67	contributions	contribution	NOUN
ajiss-452	55	68	made	make	VERB
ajiss-452	55	69	.	.	PUNCT
ajiss-452	56	1	selfinterest	selfinterest	PROPN
ajiss-452	56	2	motivated	motivate	VERB
ajiss-452	56	3	by	by	ADP
ajiss-452	56	4	material	material	NOUN
ajiss-452	56	5	gain	gain	NOUN
ajiss-452	56	6	has	have	VERB
ajiss-452	56	7	no	no	DET
ajiss-452	56	8	place	place	NOUN
ajiss-452	56	9	in	in	ADP
ajiss-452	56	10	the	the	DET
ajiss-452	56	11	islamic	islamic	PROPN
ajiss-452	56	12	insurance	insurance	PROPN
ajiss-452	56	13	system.12	system.12	NOUN
ajiss-452	56	14	in	in	ADP
ajiss-452	56	15	malaysia	malaysia	PROPN
ajiss-452	56	16	,	,	PUNCT
ajiss-452	56	17	the	the	DET
ajiss-452	56	18	modus	modus	ADJ
ajiss-452	56	19	operandi	operandi	NOUN
ajiss-452	56	20	of	of	ADP
ajiss-452	56	21	the	the	DET
ajiss-452	56	22	takaful	takaful	ADJ
ajiss-452	56	23	system	system	NOUN
ajiss-452	56	24	,	,	PUNCT
ajiss-452	56	25	which	which	PRON
ajiss-452	56	26	is	be	AUX
ajiss-452	56	27	based	base	VERB
ajiss-452	56	28	on	on	ADP
ajiss-452	56	29	the	the	DET
ajiss-452	56	30	limited	limited	ADJ
ajiss-452	56	31	partnership	partnership	NOUN
ajiss-452	56	32	(	(	PUNCT
ajiss-452	56	33	mudarabah	mudarabah	NOUN
ajiss-452	56	34	)	)	PUNCT
ajiss-452	56	35	model	model	NOUN
ajiss-452	56	36	,	,	PUNCT
ajiss-452	56	37	is	be	AUX
ajiss-452	56	38	presented	present	VERB
ajiss-452	56	39	in	in	ADP
ajiss-452	56	40	figure	figure	NOUN
ajiss-452	56	41	1.13	1.13	NUM
ajiss-452	56	42	the	the	DET
ajiss-452	56	43	resulting	result	VERB
ajiss-452	56	44	contract	contract	NOUN
ajiss-452	56	45	has	have	VERB
ajiss-452	56	46	a	a	DET
ajiss-452	56	47	two	two	NUM
ajiss-452	56	48	-	-	PUNCT
ajiss-452	56	49	tier	tier	NOUN
ajiss-452	56	50	relationship	relationship	NOUN
ajiss-452	56	51	that	that	PRON
ajiss-452	56	52	is	be	AUX
ajiss-452	56	53	external	external	ADJ
ajiss-452	56	54	in	in	ADP
ajiss-452	56	55	nature	nature	NOUN
ajiss-452	56	56	to	to	ADP
ajiss-452	56	57	the	the	DET
ajiss-452	56	58	takaful	takaful	ADJ
ajiss-452	56	59	company	company	NOUN
ajiss-452	56	60	.	.	PUNCT
ajiss-452	57	1	the	the	DET
ajiss-452	57	2	first	first	ADJ
ajiss-452	57	3	tier	tier	NOUN
ajiss-452	57	4	,	,	PUNCT
ajiss-452	57	5	the	the	DET
ajiss-452	57	6	one	one	NOUN
ajiss-452	57	7	among	among	ADP
ajiss-452	57	8	the	the	DET
ajiss-452	57	9	participants	participant	NOUN
ajiss-452	57	10	,	,	PUNCT
ajiss-452	57	11	is	be	AUX
ajiss-452	57	12	based	base	VERB
ajiss-452	57	13	on	on	ADP
ajiss-452	57	14	tabarru	tabarru	PROPN
ajiss-452	57	15	`	`	PUNCT
ajiss-452	57	16	.	.	PUNCT
ajiss-452	58	1	the	the	DET
ajiss-452	58	2	second	second	ADJ
ajiss-452	58	3	tier	tier	NOUN
ajiss-452	58	4	is	be	AUX
ajiss-452	58	5	the	the	DET
ajiss-452	58	6	one	one	NUM
ajiss-452	58	7	among	among	ADP
ajiss-452	58	8	the	the	DET
ajiss-452	58	9	participants	participant	NOUN
ajiss-452	58	10	as	as	ADP
ajiss-452	58	11	one	one	NUM
ajiss-452	58	12	entity	entity	NOUN
ajiss-452	58	13	(	(	PUNCT
ajiss-452	58	14	i.e.	i.e.	X
ajiss-452	58	15	,	,	PUNCT
ajiss-452	58	16	the	the	DET
ajiss-452	58	17	fund	fund	NOUN
ajiss-452	58	18	)	)	PUNCT
ajiss-452	58	19	and	and	CCONJ
ajiss-452	58	20	the	the	DET
ajiss-452	58	21	takaful	takaful	ADJ
ajiss-452	58	22	company	company	NOUN
ajiss-452	58	23	.	.	PUNCT
ajiss-452	59	1	a	a	DET
ajiss-452	59	2	certain	certain	ADJ
ajiss-452	59	3	proportion	proportion	NOUN
ajiss-452	59	4	of	of	ADP
ajiss-452	59	5	the	the	DET
ajiss-452	59	6	participants	participant	NOUN
ajiss-452	59	7	’	'	PUNCT
ajiss-452	59	8	contributions	contribution	NOUN
ajiss-452	59	9	are	be	AUX
ajiss-452	59	10	reallocated	reallocate	VERB
ajiss-452	59	11	in	in	ADP
ajiss-452	59	12	order	order	NOUN
ajiss-452	59	13	to	to	PART
ajiss-452	59	14	pay	pay	VERB
ajiss-452	59	15	his	his	PRON
ajiss-452	59	16	/	/	SYM
ajiss-452	59	17	her	her	PRON
ajiss-452	59	18	fellow	fellow	ADJ
ajiss-452	59	19	participants	participant	NOUN
ajiss-452	59	20	who	who	PRON
ajiss-452	59	21	experience	experience	VERB
ajiss-452	59	22	a	a	DET
ajiss-452	59	23	loss	loss	NOUN
ajiss-452	59	24	.	.	PUNCT
ajiss-452	60	1	this	this	DET
ajiss-452	60	2	portion	portion	NOUN
ajiss-452	60	3	is	be	AUX
ajiss-452	60	4	placed	place	VERB
ajiss-452	60	5	in	in	ADP
ajiss-452	60	6	the	the	DET
ajiss-452	60	7	special	special	ADJ
ajiss-452	60	8	participant	participant	NOUN
ajiss-452	60	9	account	account	NOUN
ajiss-452	60	10	,	,	PUNCT
ajiss-452	60	11	while	while	SCONJ
ajiss-452	60	12	the	the	DET
ajiss-452	60	13	balance	balance	NOUN
ajiss-452	60	14	of	of	ADP
ajiss-452	60	15	the	the	DET
ajiss-452	60	16	contributions	contribution	NOUN
ajiss-452	60	17	is	be	AUX
ajiss-452	60	18	placed	place	VERB
ajiss-452	60	19	in	in	ADP
ajiss-452	60	20	the	the	DET
ajiss-452	60	21	participant	participant	ADJ
ajiss-452	60	22	account	account	NOUN
ajiss-452	60	23	for	for	ADP
ajiss-452	60	24	savings.14	savings.14	NOUN
ajiss-452	60	25	these	these	DET
ajiss-452	60	26	conditions	condition	NOUN
ajiss-452	60	27	are	be	AUX
ajiss-452	60	28	clearly	clearly	ADV
ajiss-452	60	29	mentioned	mention	VERB
ajiss-452	60	30	in	in	ADP
ajiss-452	60	31	both	both	DET
ajiss-452	60	32	stmb	stmb	NOUN
ajiss-452	60	33	’s	’s	PART
ajiss-452	60	34	and	and	CCONJ
ajiss-452	60	35	tnsb	tnsb	VERB
ajiss-452	60	36	’s	’s	PART
ajiss-452	60	37	proposal	proposal	NOUN
ajiss-452	60	38	forms	form	NOUN
ajiss-452	60	39	,	,	PUNCT
ajiss-452	60	40	and	and	CCONJ
ajiss-452	60	41	thus	thus	ADV
ajiss-452	60	42	become	become	VERB
ajiss-452	60	43	the	the	DET
ajiss-452	60	44	basis	basis	NOUN
ajiss-452	60	45	of	of	ADP
ajiss-452	60	46	the	the	DET
ajiss-452	60	47	contract	contract	NOUN
ajiss-452	60	48	.	.	PUNCT
ajiss-452	61	1	figure	figure	NOUN
ajiss-452	61	2	1	1	NUM
ajiss-452	61	3	.	.	PUNCT
ajiss-452	62	1	illustration	illustration	NOUN
ajiss-452	62	2	of	of	ADP
ajiss-452	62	3	the	the	DET
ajiss-452	62	4	takaful	takaful	ADJ
ajiss-452	62	5	system	system	NOUN
ajiss-452	62	6	.	.	PUNCT
ajiss-452	63	1	32	32	NUM
ajiss-452	64	1	the	the	DET
ajiss-452	64	2	american	american	PROPN
ajiss-452	64	3	journal	journal	PROPN
ajiss-452	64	4	of	of	ADP
ajiss-452	64	5	islamic	islamic	ADJ
ajiss-452	64	6	social	social	PROPN
ajiss-452	64	7	sciences	science	NOUN
ajiss-452	64	8	22:1	22:1	NUM
ajiss-452	64	9	a	a	DET
ajiss-452	64	10	slight	slight	ADJ
ajiss-452	64	11	amendment	amendment	NOUN
ajiss-452	64	12	to	to	PART
ajiss-452	64	13	figure	figure	VERB
ajiss-452	64	14	1	1	NUM
ajiss-452	64	15	is	be	AUX
ajiss-452	64	16	needed	need	VERB
ajiss-452	64	17	when	when	SCONJ
ajiss-452	64	18	one	one	PRON
ajiss-452	64	19	considers	consider	VERB
ajiss-452	64	20	tnsb	tnsb	NOUN
ajiss-452	64	21	’s	’s	PART
ajiss-452	64	22	operation	operation	NOUN
ajiss-452	64	23	,	,	PUNCT
ajiss-452	64	24	taking	take	VERB
ajiss-452	64	25	into	into	ADP
ajiss-452	64	26	account	account	NOUN
ajiss-452	64	27	the	the	DET
ajiss-452	64	28	agency	agency	NOUN
ajiss-452	64	29	system	system	NOUN
ajiss-452	64	30	in	in	ADP
ajiss-452	64	31	use	use	NOUN
ajiss-452	64	32	.	.	PUNCT
ajiss-452	65	1	this	this	DET
ajiss-452	65	2	additional	additional	ADJ
ajiss-452	65	3	entity	entity	NOUN
ajiss-452	65	4	is	be	AUX
ajiss-452	65	5	located	locate	VERB
ajiss-452	65	6	between	between	ADP
ajiss-452	65	7	the	the	DET
ajiss-452	65	8	participants	participant	NOUN
ajiss-452	65	9	and	and	CCONJ
ajiss-452	65	10	the	the	DET
ajiss-452	65	11	takaful	takaful	ADJ
ajiss-452	65	12	fund	fund	NOUN
ajiss-452	65	13	,	,	PUNCT
ajiss-452	65	14	as	as	SCONJ
ajiss-452	65	15	agents	agent	NOUN
ajiss-452	65	16	act	act	VERB
ajiss-452	65	17	as	as	ADP
ajiss-452	65	18	intermediaries	intermediary	NOUN
ajiss-452	65	19	.	.	PUNCT
ajiss-452	66	1	although	although	SCONJ
ajiss-452	66	2	agents	agent	NOUN
ajiss-452	66	3	present	present	VERB
ajiss-452	66	4	a	a	DET
ajiss-452	66	5	new	new	ADJ
ajiss-452	66	6	entity	entity	NOUN
ajiss-452	66	7	,	,	PUNCT
ajiss-452	66	8	the	the	DET
ajiss-452	66	9	external	external	ADJ
ajiss-452	66	10	second	second	ADJ
ajiss-452	66	11	tier	tier	NOUN
ajiss-452	66	12	relationship	relationship	NOUN
ajiss-452	66	13	,	,	PUNCT
ajiss-452	66	14	as	as	SCONJ
ajiss-452	66	15	opposed	oppose	VERB
ajiss-452	66	16	to	to	ADP
ajiss-452	66	17	a	a	DET
ajiss-452	66	18	new	new	ADJ
ajiss-452	66	19	tier	tier	NOUN
ajiss-452	66	20	relationship	relationship	NOUN
ajiss-452	66	21	,	,	PUNCT
ajiss-452	66	22	still	still	ADV
ajiss-452	66	23	prevails	prevail	VERB
ajiss-452	66	24	,	,	PUNCT
ajiss-452	66	25	for	for	SCONJ
ajiss-452	66	26	agents	agent	NOUN
ajiss-452	66	27	act	act	VERB
ajiss-452	66	28	only	only	ADV
ajiss-452	66	29	on	on	ADP
ajiss-452	66	30	the	the	DET
ajiss-452	66	31	company	company	NOUN
ajiss-452	66	32	’s	’s	PART
ajiss-452	66	33	behalf	behalf	NOUN
ajiss-452	66	34	.	.	PUNCT
ajiss-452	67	1	however	however	ADV
ajiss-452	67	2	,	,	PUNCT
ajiss-452	67	3	there	there	PRON
ajiss-452	67	4	is	be	VERB
ajiss-452	67	5	still	still	ADV
ajiss-452	67	6	an	an	DET
ajiss-452	67	7	internal	internal	ADJ
ajiss-452	67	8	relationship	relationship	NOUN
ajiss-452	67	9	between	between	ADP
ajiss-452	67	10	the	the	DET
ajiss-452	67	11	agents	agent	NOUN
ajiss-452	67	12	and	and	CCONJ
ajiss-452	67	13	the	the	DET
ajiss-452	67	14	company	company	NOUN
ajiss-452	67	15	(	(	PUNCT
ajiss-452	67	16	the	the	DET
ajiss-452	67	17	principal	principal	NOUN
ajiss-452	67	18	)	)	PUNCT
ajiss-452	67	19	through	through	ADP
ajiss-452	67	20	the	the	DET
ajiss-452	67	21	agency	agency	NOUN
ajiss-452	67	22	contract	contract	NOUN
ajiss-452	67	23	.	.	PUNCT
ajiss-452	68	1	the	the	DET
ajiss-452	68	2	next	next	ADJ
ajiss-452	68	3	section	section	NOUN
ajiss-452	68	4	explores	explore	VERB
ajiss-452	68	5	the	the	DET
ajiss-452	68	6	agency	agency	NOUN
ajiss-452	68	7	system	system	NOUN
ajiss-452	68	8	in	in	ADP
ajiss-452	68	9	more	more	ADJ
ajiss-452	68	10	detail	detail	NOUN
ajiss-452	68	11	.	.	PUNCT
ajiss-452	69	1	the	the	DET
ajiss-452	69	2	theory	theory	NOUN
ajiss-452	69	3	and	and	CCONJ
ajiss-452	69	4	concept	concept	NOUN
ajiss-452	69	5	of	of	ADP
ajiss-452	69	6	al	al	PROPN
ajiss-452	69	7	-	-	PUNCT
ajiss-452	69	8	wakalah	wakalah	PROPN
ajiss-452	69	9	derived	derive	VERB
ajiss-452	69	10	from	from	ADP
ajiss-452	69	11	the	the	DET
ajiss-452	69	12	arabic	arabic	ADJ
ajiss-452	69	13	word	word	NOUN
ajiss-452	69	14	wakala	wakala	PROPN
ajiss-452	69	15	,	,	PUNCT
ajiss-452	69	16	which	which	PRON
ajiss-452	69	17	appears	appear	VERB
ajiss-452	69	18	in	in	ADP
ajiss-452	69	19	the	the	DET
ajiss-452	69	20	qur’an,15	qur’an,15	NUM
ajiss-452	69	21	alwakalah	alwakalah	NOUN
ajiss-452	69	22	is	be	AUX
ajiss-452	69	23	another	another	DET
ajiss-452	69	24	practice	practice	NOUN
ajiss-452	69	25	of	of	ADP
ajiss-452	69	26	which	which	PRON
ajiss-452	69	27	the	the	DET
ajiss-452	69	28	shari`ah	shari`ah	PROPN
ajiss-452	69	29	approves	approve	VERB
ajiss-452	69	30	.	.	PUNCT
ajiss-452	70	1	based	base	VERB
ajiss-452	70	2	on	on	ADP
ajiss-452	70	3	the	the	DET
ajiss-452	70	4	work	work	NOUN
ajiss-452	70	5	of	of	ADP
ajiss-452	70	6	napiah,16	napiah,16	ADJ
ajiss-452	70	7	its	its	PRON
ajiss-452	70	8	legitimacy	legitimacy	NOUN
ajiss-452	70	9	stems	stem	VERB
ajiss-452	70	10	from	from	ADP
ajiss-452	70	11	both	both	CCONJ
ajiss-452	70	12	the	the	DET
ajiss-452	70	13	qur’an	qur’an	NOUN
ajiss-452	70	14	and	and	CCONJ
ajiss-452	70	15	the	the	DET
ajiss-452	70	16	sunnah	sunnah	NOUN
ajiss-452	70	17	of	of	ADP
ajiss-452	70	18	prophet	prophet	NOUN
ajiss-452	70	19	muhammad	muhammad	PROPN
ajiss-452	70	20	(	(	PUNCT
ajiss-452	70	21	pbuh	pbuh	NOUN
ajiss-452	70	22	)	)	PUNCT
ajiss-452	70	23	.	.	PUNCT
ajiss-452	71	1	the	the	DET
ajiss-452	71	2	most	most	ADV
ajiss-452	71	3	significant	significant	ADJ
ajiss-452	71	4	verse	verse	NOUN
ajiss-452	71	5	in	in	ADP
ajiss-452	71	6	this	this	DET
ajiss-452	71	7	regard	regard	NOUN
ajiss-452	71	8	is	be	AUX
ajiss-452	71	9	the	the	DET
ajiss-452	71	10	following	following	NOUN
ajiss-452	71	11	:	:	PUNCT
ajiss-452	71	12	now	now	ADV
ajiss-452	71	13	,	,	PUNCT
ajiss-452	71	14	send	send	VERB
ajiss-452	71	15	one	one	NUM
ajiss-452	71	16	of	of	ADP
ajiss-452	71	17	you	you	PRON
ajiss-452	71	18	with	with	ADP
ajiss-452	71	19	your	your	PRON
ajiss-452	71	20	money	money	NOUN
ajiss-452	71	21	to	to	ADP
ajiss-452	71	22	the	the	DET
ajiss-452	71	23	town	town	NOUN
ajiss-452	71	24	.	.	PUNCT
ajiss-452	72	1	let	let	VERB
ajiss-452	72	2	him	he	PRON
ajiss-452	72	3	find	find	VERB
ajiss-452	72	4	out	out	ADP
ajiss-452	72	5	which	which	PRON
ajiss-452	72	6	is	be	AUX
ajiss-452	72	7	the	the	DET
ajiss-452	72	8	best	good	ADJ
ajiss-452	72	9	food	food	NOUN
ajiss-452	72	10	(	(	PUNCT
ajiss-452	72	11	to	to	PART
ajiss-452	72	12	be	be	AUX
ajiss-452	72	13	had	have	VERB
ajiss-452	72	14	)	)	PUNCT
ajiss-452	72	15	and	and	CCONJ
ajiss-452	72	16	bring	bring	VERB
ajiss-452	72	17	some	some	PRON
ajiss-452	72	18	to	to	ADP
ajiss-452	72	19	you	you	PRON
ajiss-452	72	20	,	,	PUNCT
ajiss-452	72	21	that	that	SCONJ
ajiss-452	72	22	(	(	PUNCT
ajiss-452	72	23	you	you	PRON
ajiss-452	72	24	may	may	AUX
ajiss-452	72	25	)	)	PUNCT
ajiss-452	72	26	satisfy	satisfy	VERB
ajiss-452	72	27	your	your	PRON
ajiss-452	72	28	hunger	hunger	NOUN
ajiss-452	72	29	therewith	therewith	NOUN
ajiss-452	72	30	.	.	PUNCT
ajiss-452	73	1	(	(	PUNCT
ajiss-452	73	2	qur’an	qur’an	NOUN
ajiss-452	73	3	18:19	18:19	NUM
ajiss-452	73	4	)	)	PUNCT
ajiss-452	73	5	this	this	DET
ajiss-452	73	6	verse	verse	NOUN
ajiss-452	73	7	relates	relate	VERB
ajiss-452	73	8	to	to	ADP
ajiss-452	73	9	the	the	DET
ajiss-452	73	10	companions	companion	NOUN
ajiss-452	73	11	of	of	ADP
ajiss-452	73	12	the	the	DET
ajiss-452	73	13	cave	cave	NOUN
ajiss-452	73	14	,	,	PUNCT
ajiss-452	73	15	one	one	NUM
ajiss-452	73	16	of	of	ADP
ajiss-452	73	17	whom	whom	PRON
ajiss-452	73	18	was	be	AUX
ajiss-452	73	19	appointed	appoint	VERB
ajiss-452	73	20	to	to	PART
ajiss-452	73	21	go	go	VERB
ajiss-452	73	22	out	out	ADP
ajiss-452	73	23	and	and	CCONJ
ajiss-452	73	24	buy	buy	VERB
ajiss-452	73	25	food	food	NOUN
ajiss-452	73	26	from	from	ADP
ajiss-452	73	27	the	the	DET
ajiss-452	73	28	city	city	NOUN
ajiss-452	73	29	with	with	ADP
ajiss-452	73	30	their	their	PRON
ajiss-452	73	31	silver	silver	ADJ
ajiss-452	73	32	coin	coin	NOUN
ajiss-452	73	33	.	.	PUNCT
ajiss-452	74	1	another	another	DET
ajiss-452	74	2	verse	verse	NOUN
ajiss-452	74	3	that	that	PRON
ajiss-452	74	4	some	some	DET
ajiss-452	74	5	jurists	jurist	NOUN
ajiss-452	74	6	use	use	VERB
ajiss-452	74	7	as	as	ADP
ajiss-452	74	8	a	a	DET
ajiss-452	74	9	referral	referral	ADJ
ajiss-452	74	10	point	point	NOUN
ajiss-452	74	11	is	be	AUX
ajiss-452	74	12	the	the	DET
ajiss-452	74	13	one	one	NUM
ajiss-452	74	14	in	in	ADP
ajiss-452	74	15	which	which	PRON
ajiss-452	74	16	prophet	prophet	NOUN
ajiss-452	74	17	joseph	joseph	PROPN
ajiss-452	74	18	tells	tell	VERB
ajiss-452	74	19	his	his	PRON
ajiss-452	74	20	brothers	brother	NOUN
ajiss-452	74	21	:	:	PUNCT
ajiss-452	74	22	take	take	VERB
ajiss-452	74	23	my	my	PRON
ajiss-452	74	24	shirt	shirt	NOUN
ajiss-452	74	25	and	and	CCONJ
ajiss-452	74	26	cast	cast	VERB
ajiss-452	74	27	it	it	PRON
ajiss-452	74	28	over	over	ADP
ajiss-452	74	29	my	my	PRON
ajiss-452	74	30	father	father	NOUN
ajiss-452	74	31	’s	’s	PART
ajiss-452	74	32	face	face	NOUN
ajiss-452	74	33	,	,	PUNCT
ajiss-452	74	34	(	(	PUNCT
ajiss-452	74	35	and	and	CCONJ
ajiss-452	74	36	)	)	PUNCT
ajiss-452	74	37	he	he	PRON
ajiss-452	74	38	will	will	AUX
ajiss-452	74	39	come	come	VERB
ajiss-452	74	40	to	to	PART
ajiss-452	74	41	see	see	VERB
ajiss-452	74	42	(	(	PUNCT
ajiss-452	74	43	clearly	clearly	ADV
ajiss-452	74	44	)	)	PUNCT
ajiss-452	74	45	.	.	PUNCT
ajiss-452	75	1	then	then	ADV
ajiss-452	75	2	return	return	VERB
ajiss-452	75	3	to	to	ADP
ajiss-452	75	4	me	i	PRON
ajiss-452	75	5	with	with	ADP
ajiss-452	75	6	all	all	PRON
ajiss-452	75	7	of	of	ADP
ajiss-452	75	8	your	your	PRON
ajiss-452	75	9	family	family	NOUN
ajiss-452	75	10	.	.	PUNCT
ajiss-452	76	1	(	(	PUNCT
ajiss-452	76	2	qur’an	qur’an	NOUN
ajiss-452	76	3	12:93	12:93	NUM
ajiss-452	76	4	)	)	PUNCT
ajiss-452	76	5	this	this	DET
ajiss-452	76	6	system	system	NOUN
ajiss-452	76	7	was	be	AUX
ajiss-452	76	8	a	a	DET
ajiss-452	76	9	common	common	ADJ
ajiss-452	76	10	practice	practice	NOUN
ajiss-452	76	11	in	in	ADP
ajiss-452	76	12	the	the	DET
ajiss-452	76	13	early	early	ADJ
ajiss-452	76	14	period	period	NOUN
ajiss-452	76	15	of	of	ADP
ajiss-452	76	16	islam	islam	PROPN
ajiss-452	76	17	.	.	PUNCT
ajiss-452	77	1	in	in	ADP
ajiss-452	77	2	fact	fact	NOUN
ajiss-452	77	3	,	,	PUNCT
ajiss-452	77	4	prophet	prophet	NOUN
ajiss-452	77	5	muhammad	muhammad	PROPN
ajiss-452	77	6	,	,	PUNCT
ajiss-452	77	7	(	(	PUNCT
ajiss-452	77	8	pbuh	pbuh	NOUN
ajiss-452	77	9	)	)	PUNCT
ajiss-452	77	10	was	be	AUX
ajiss-452	77	11	directly	directly	ADV
ajiss-452	77	12	and	and	CCONJ
ajiss-452	77	13	indirectly	indirectly	ADV
ajiss-452	77	14	involved	involve	VERB
ajiss-452	77	15	in	in	ADP
ajiss-452	77	16	alwakalah	alwakalah	NOUN
ajiss-452	77	17	and	and	CCONJ
ajiss-452	77	18	encouraged	encourage	VERB
ajiss-452	77	19	its	its	PRON
ajiss-452	77	20	proliferation	proliferation	NOUN
ajiss-452	77	21	.	.	PUNCT
ajiss-452	78	1	a	a	DET
ajiss-452	78	2	hadith	hadith	NOUN
ajiss-452	78	3	reported	report	VERB
ajiss-452	78	4	by	by	ADP
ajiss-452	78	5	abu	abu	PROPN
ajiss-452	78	6	dawud	dawud	PROPN
ajiss-452	78	7	,	,	PUNCT
ajiss-452	78	8	al	al	PROPN
ajiss-452	78	9	-	-	PUNCT
ajiss-452	78	10	bayhaqi	bayhaqi	PROPN
ajiss-452	78	11	,	,	PUNCT
ajiss-452	78	12	al	al	PROPN
ajiss-452	78	13	-	-	PUNCT
ajiss-452	78	14	daraqutni	daraqutni	NOUN
ajiss-452	78	15	,	,	PUNCT
ajiss-452	78	16	and	and	CCONJ
ajiss-452	78	17	al	al	PROPN
ajiss-452	78	18	-	-	PUNCT
ajiss-452	78	19	san`ani	san`ani	NOUN
ajiss-452	78	20	provides	provide	VERB
ajiss-452	78	21	further	further	ADJ
ajiss-452	78	22	proof	proof	NOUN
ajiss-452	78	23	of	of	ADP
ajiss-452	78	24	the	the	DET
ajiss-452	78	25	prophet	prophet	NOUN
ajiss-452	78	26	’s	’s	PART
ajiss-452	78	27	(	(	PUNCT
ajiss-452	78	28	pbuh	pbuh	NOUN
ajiss-452	78	29	)	)	PUNCT
ajiss-452	78	30	approval	approval	NOUN
ajiss-452	78	31	of	of	ADP
ajiss-452	78	32	this	this	DET
ajiss-452	78	33	practice17	practice17	NOUN
ajiss-452	78	34	:	:	PUNCT
ajiss-452	78	35	the	the	DET
ajiss-452	78	36	prophet	prophet	NOUN
ajiss-452	78	37	(	(	PUNCT
ajiss-452	78	38	pbuh	pbuh	NOUN
ajiss-452	78	39	)	)	PUNCT
ajiss-452	78	40	asked	ask	VERB
ajiss-452	78	41	jabir	jabir	PROPN
ajiss-452	78	42	ibn	ibn	PROPN
ajiss-452	78	43	abdullah	abdullah	PROPN
ajiss-452	78	44	,	,	PUNCT
ajiss-452	78	45	who	who	PRON
ajiss-452	78	46	was	be	AUX
ajiss-452	78	47	about	about	ADJ
ajiss-452	78	48	to	to	PART
ajiss-452	78	49	go	go	VERB
ajiss-452	78	50	to	to	ADP
ajiss-452	78	51	khybar	khybar	NOUN
ajiss-452	78	52	:	:	PUNCT
ajiss-452	78	53	“	"	PUNCT
ajiss-452	78	54	if	if	SCONJ
ajiss-452	78	55	you	you	PRON
ajiss-452	78	56	meet	meet	VERB
ajiss-452	78	57	my	my	PRON
ajiss-452	78	58	agent	agent	NOUN
ajiss-452	78	59	,	,	PUNCT
ajiss-452	78	60	take	take	VERB
ajiss-452	78	61	or	or	CCONJ
ajiss-452	78	62	ask	ask	VERB
ajiss-452	78	63	from	from	ADP
ajiss-452	78	64	him	he	PRON
ajiss-452	78	65	fifteen	fifteen	NUM
ajiss-452	78	66	wasq	wasq	NOUN
ajiss-452	78	67	.	.	PUNCT
ajiss-452	79	1	”18	”18	PROPN
ajiss-452	79	2	moreover	moreover	ADV
ajiss-452	79	3	,	,	PUNCT
ajiss-452	79	4	the	the	DET
ajiss-452	79	5	prophet	prophet	NOUN
ajiss-452	79	6	(	(	PUNCT
ajiss-452	79	7	pbuh	pbuh	NOUN
ajiss-452	79	8	)	)	PUNCT
ajiss-452	79	9	commonly	commonly	ADV
ajiss-452	79	10	appointed	appoint	VERB
ajiss-452	79	11	agents	agent	NOUN
ajiss-452	79	12	to	to	PART
ajiss-452	79	13	perform	perform	VERB
ajiss-452	79	14	certain	certain	ADJ
ajiss-452	79	15	duties	duty	NOUN
ajiss-452	79	16	on	on	ADP
ajiss-452	79	17	his	his	PRON
ajiss-452	79	18	behalf	behalf	NOUN
ajiss-452	79	19	.	.	PUNCT
ajiss-452	80	1	one	one	NUM
ajiss-452	80	2	such	such	ADJ
ajiss-452	80	3	duty	duty	NOUN
ajiss-452	80	4	was	be	AUX
ajiss-452	80	5	collecting	collect	VERB
ajiss-452	80	6	zakat	zakat	NOUN
ajiss-452	80	7	(	(	PUNCT
ajiss-452	80	8	alms	alm	NOUN
ajiss-452	80	9	)	)	PUNCT
ajiss-452	80	10	.	.	PUNCT
ajiss-452	81	1	according	accord	VERB
ajiss-452	81	2	to	to	ADP
ajiss-452	81	3	a	a	DET
ajiss-452	81	4	hadith	hadith	NOUN
ajiss-452	81	5	narrated	narrate	VERB
ajiss-452	81	6	by	by	ADP
ajiss-452	81	7	abu	abu	PROPN
ajiss-452	81	8	hurayrah	hurayrah	PROPN
ajiss-452	81	9	,	,	PUNCT
ajiss-452	81	10	the	the	DET
ajiss-452	81	11	prophet	prophet	NOUN
ajiss-452	81	12	(	(	PUNCT
ajiss-452	81	13	pbuh	pbuh	NOUN
ajiss-452	81	14	)	)	PUNCT
ajiss-452	81	15	sent	send	VERB
ajiss-452	81	16	`	`	PUNCT
ajiss-452	81	17	umar	umar	PROPN
ajiss-452	81	18	to	to	PART
ajiss-452	81	19	collect	collect	VERB
ajiss-452	81	20	these	these	DET
ajiss-452	81	21	alms	alm	NOUN
ajiss-452	81	22	.	.	PUNCT
ajiss-452	82	1	in	in	ADP
ajiss-452	82	2	all	all	PRON
ajiss-452	82	3	of	of	ADP
ajiss-452	82	4	these	these	DET
ajiss-452	82	5	instances	instance	NOUN
ajiss-452	82	6	,	,	PUNCT
ajiss-452	82	7	the	the	DET
ajiss-452	82	8	prophet	prophet	NOUN
ajiss-452	82	9	’s	’s	PART
ajiss-452	82	10	chosen	choose	VERB
ajiss-452	82	11	assistants	assistant	NOUN
ajiss-452	82	12	carried	carry	VERB
ajiss-452	82	13	out	out	ADP
ajiss-452	82	14	their	their	PRON
ajiss-452	82	15	instructions	instruction	NOUN
ajiss-452	82	16	in	in	ADP
ajiss-452	82	17	the	the	DET
ajiss-452	82	18	form	form	NOUN
ajiss-452	82	19	of	of	ADP
ajiss-452	82	20	al	al	PROPN
ajiss-452	82	21	-	-	PUNCT
ajiss-452	82	22	wakalah.19	wakalah.19	PROPN
ajiss-452	82	23	annuar	annuar	NOUN
ajiss-452	82	24	:	:	PUNCT
ajiss-452	82	25	al	al	PROPN
ajiss-452	82	26	-	-	PUNCT
ajiss-452	82	27	wakalah	wakalah	PROPN
ajiss-452	82	28	and	and	CCONJ
ajiss-452	82	29	customers	customer	NOUN
ajiss-452	82	30	’	’	PART
ajiss-452	82	31	preferences	preference	NOUN
ajiss-452	82	32	toward	toward	ADP
ajiss-452	82	33	it	it	PRON
ajiss-452	82	34	33	33	NUM
ajiss-452	82	35	this	this	DET
ajiss-452	82	36	idea	idea	NOUN
ajiss-452	82	37	of	of	ADP
ajiss-452	82	38	agency	agency	NOUN
ajiss-452	82	39	was	be	AUX
ajiss-452	82	40	established	establish	VERB
ajiss-452	82	41	,	,	PUNCT
ajiss-452	82	42	in	in	ADP
ajiss-452	82	43	its	its	PRON
ajiss-452	82	44	complete	complete	ADJ
ajiss-452	82	45	and	and	CCONJ
ajiss-452	82	46	comprehensive	comprehensive	ADJ
ajiss-452	82	47	form	form	NOUN
ajiss-452	82	48	in	in	ADP
ajiss-452	82	49	islamic	islamic	ADJ
ajiss-452	82	50	law	law	NOUN
ajiss-452	82	51	with	with	ADP
ajiss-452	82	52	the	the	DET
ajiss-452	82	53	birth	birth	NOUN
ajiss-452	82	54	of	of	ADP
ajiss-452	82	55	shari`ah	shari`ah	PROPN
ajiss-452	82	56	,	,	PUNCT
ajiss-452	82	57	in	in	ADP
ajiss-452	82	58	contrast	contrast	NOUN
ajiss-452	82	59	to	to	ADP
ajiss-452	82	60	the	the	DET
ajiss-452	82	61	west	west	NOUN
ajiss-452	82	62	,	,	PUNCT
ajiss-452	82	63	which	which	PRON
ajiss-452	82	64	only	only	ADV
ajiss-452	82	65	derived	derive	VERB
ajiss-452	82	66	the	the	DET
ajiss-452	82	67	complete	complete	ADJ
ajiss-452	82	68	form	form	NOUN
ajiss-452	82	69	later	later	ADV
ajiss-452	82	70	on	on	ADV
ajiss-452	82	71	and	and	CCONJ
ajiss-452	82	72	in	in	ADP
ajiss-452	82	73	stages.20	stages.20	PROPN
ajiss-452	82	74	this	this	PRON
ajiss-452	82	75	is	be	AUX
ajiss-452	82	76	consistent	consistent	ADJ
ajiss-452	82	77	with	with	ADP
ajiss-452	82	78	other	other	ADJ
ajiss-452	82	79	concepts	concept	NOUN
ajiss-452	82	80	or	or	CCONJ
ajiss-452	82	81	contracts	contract	NOUN
ajiss-452	82	82	pertaining	pertain	VERB
ajiss-452	82	83	to	to	ADP
ajiss-452	82	84	islamic	islamic	ADJ
ajiss-452	82	85	commercial	commercial	ADJ
ajiss-452	82	86	law	law	NOUN
ajiss-452	82	87	and	and	CCONJ
ajiss-452	82	88	transactions	transaction	NOUN
ajiss-452	82	89	,	,	PUNCT
ajiss-452	82	90	whereby	whereby	SCONJ
ajiss-452	82	91	all	all	DET
ajiss-452	82	92	regulations	regulation	NOUN
ajiss-452	82	93	and	and	CCONJ
ajiss-452	82	94	rules	rule	NOUN
ajiss-452	82	95	of	of	ADP
ajiss-452	82	96	law	law	NOUN
ajiss-452	82	97	must	must	AUX
ajiss-452	82	98	be	be	AUX
ajiss-452	82	99	derived	derive	VERB
ajiss-452	82	100	from	from	ADP
ajiss-452	82	101	the	the	DET
ajiss-452	82	102	qur’an	qur’an	NOUN
ajiss-452	82	103	and	and	CCONJ
ajiss-452	82	104	the	the	DET
ajiss-452	82	105	sunnah	sunnah	NOUN
ajiss-452	82	106	.	.	PUNCT
ajiss-452	83	1	al	al	PROPN
ajiss-452	83	2	-	-	PUNCT
ajiss-452	83	3	sanhuri	sanhuri	PROPN
ajiss-452	83	4	,	,	PUNCT
ajiss-452	83	5	a	a	DET
ajiss-452	83	6	prominent	prominent	ADJ
ajiss-452	83	7	islamic	islamic	ADJ
ajiss-452	83	8	jurist	jurist	NOUN
ajiss-452	83	9	,	,	PUNCT
ajiss-452	83	10	illustrated	illustrate	VERB
ajiss-452	83	11	how	how	SCONJ
ajiss-452	83	12	definitive	definitive	ADJ
ajiss-452	83	13	islamic	islamic	ADJ
ajiss-452	83	14	law	law	NOUN
ajiss-452	83	15	is	be	AUX
ajiss-452	83	16	in	in	ADP
ajiss-452	83	17	this	this	DET
ajiss-452	83	18	field	field	NOUN
ajiss-452	83	19	when	when	SCONJ
ajiss-452	83	20	he	he	PRON
ajiss-452	83	21	wrote	write	VERB
ajiss-452	83	22	:	:	PUNCT
ajiss-452	83	23	islamic	islamic	ADJ
ajiss-452	83	24	jurisprudence	jurisprudence	NOUN
ajiss-452	83	25	is	be	AUX
ajiss-452	83	26	extremely	extremely	ADV
ajiss-452	83	27	cautious	cautious	ADJ
ajiss-452	83	28	and	and	CCONJ
ajiss-452	83	29	can	can	AUX
ajiss-452	83	30	be	be	AUX
ajiss-452	83	31	distinguished	distinguish	VERB
ajiss-452	83	32	from	from	ADP
ajiss-452	83	33	western	western	ADJ
ajiss-452	83	34	jurisprudence	jurisprudence	NOUN
ajiss-452	83	35	by	by	ADP
ajiss-452	83	36	its	its	PRON
ajiss-452	83	37	advancement	advancement	NOUN
ajiss-452	83	38	in	in	ADP
ajiss-452	83	39	promoting	promote	VERB
ajiss-452	83	40	the	the	DET
ajiss-452	83	41	idea	idea	NOUN
ajiss-452	83	42	of	of	ADP
ajiss-452	83	43	deputation	deputation	NOUN
ajiss-452	83	44	(	(	PUNCT
ajiss-452	83	45	agency21	agency21	PROPN
ajiss-452	83	46	)	)	PUNCT
ajiss-452	83	47	in	in	ADP
ajiss-452	83	48	the	the	DET
ajiss-452	83	49	formulating	formulating	NOUN
ajiss-452	83	50	of	of	ADP
ajiss-452	83	51	contracts	contract	NOUN
ajiss-452	83	52	.	.	PUNCT
ajiss-452	84	1	it	it	PRON
ajiss-452	84	2	excelled	excel	VERB
ajiss-452	84	3	over	over	ADP
ajiss-452	84	4	the	the	DET
ajiss-452	84	5	roman	roman	ADJ
ajiss-452	84	6	jurisprudence	jurisprudence	NOUN
ajiss-452	84	7	,	,	PUNCT
ajiss-452	84	8	which	which	PRON
ajiss-452	84	9	was	be	AUX
ajiss-452	84	10	known	know	VERB
ajiss-452	84	11	for	for	ADP
ajiss-452	84	12	its	its	PRON
ajiss-452	84	13	scarcity	scarcity	NOUN
ajiss-452	84	14	in	in	ADP
ajiss-452	84	15	this	this	DET
ajiss-452	84	16	field	field	NOUN
ajiss-452	84	17	,	,	PUNCT
ajiss-452	84	18	as	as	SCONJ
ajiss-452	84	19	has	have	AUX
ajiss-452	84	20	been	be	AUX
ajiss-452	84	21	seen.22	seen.22	NOUN
ajiss-452	84	22	from	from	ADP
ajiss-452	84	23	the	the	DET
ajiss-452	84	24	above	above	NOUN
ajiss-452	84	25	,	,	PUNCT
ajiss-452	84	26	any	any	DET
ajiss-452	84	27	doubt	doubt	NOUN
ajiss-452	84	28	as	as	ADP
ajiss-452	84	29	to	to	ADP
ajiss-452	84	30	the	the	DET
ajiss-452	84	31	legitimacy	legitimacy	NOUN
ajiss-452	84	32	of	of	ADP
ajiss-452	84	33	al	al	PROPN
ajiss-452	84	34	-	-	PUNCT
ajiss-452	84	35	wakalah	wakalah	PROPN
ajiss-452	84	36	is	be	AUX
ajiss-452	84	37	erased	erase	VERB
ajiss-452	84	38	by	by	ADP
ajiss-452	84	39	evidence	evidence	NOUN
ajiss-452	84	40	derived	derive	VERB
ajiss-452	84	41	from	from	ADP
ajiss-452	84	42	qur’anic	qur’anic	ADJ
ajiss-452	84	43	texts	text	NOUN
ajiss-452	84	44	,	,	PUNCT
ajiss-452	84	45	the	the	DET
ajiss-452	84	46	traditions	tradition	NOUN
ajiss-452	84	47	of	of	ADP
ajiss-452	84	48	the	the	DET
ajiss-452	84	49	prophet	prophet	NOUN
ajiss-452	84	50	(	(	PUNCT
ajiss-452	84	51	pbuh	pbuh	NOUN
ajiss-452	84	52	)	)	PUNCT
ajiss-452	84	53	,	,	PUNCT
ajiss-452	84	54	the	the	DET
ajiss-452	84	55	practices	practice	NOUN
ajiss-452	84	56	of	of	ADP
ajiss-452	84	57	the	the	DET
ajiss-452	84	58	rightly	rightly	ADV
ajiss-452	84	59	guided	guide	VERB
ajiss-452	84	60	caliphs	caliph	NOUN
ajiss-452	84	61	,	,	PUNCT
ajiss-452	84	62	and	and	CCONJ
ajiss-452	84	63	,	,	PUNCT
ajiss-452	84	64	lastly	lastly	ADV
ajiss-452	84	65	,	,	PUNCT
ajiss-452	84	66	from	from	ADP
ajiss-452	84	67	the	the	DET
ajiss-452	84	68	unanimous	unanimous	ADJ
ajiss-452	84	69	affirmative	affirmative	ADJ
ajiss-452	84	70	opinions	opinion	NOUN
ajiss-452	84	71	of	of	ADP
ajiss-452	84	72	all	all	DET
ajiss-452	84	73	muslim	muslim	ADJ
ajiss-452	84	74	jurists	jurist	NOUN
ajiss-452	84	75	.	.	PUNCT
ajiss-452	85	1	as	as	SCONJ
ajiss-452	85	2	the	the	DET
ajiss-452	85	3	system	system	NOUN
ajiss-452	85	4	is	be	AUX
ajiss-452	85	5	legitimate	legitimate	ADJ
ajiss-452	85	6	,	,	PUNCT
ajiss-452	85	7	it	it	PRON
ajiss-452	85	8	is	be	AUX
ajiss-452	85	9	,	,	PUNCT
ajiss-452	85	10	therefore	therefore	ADV
ajiss-452	85	11	,	,	PUNCT
ajiss-452	85	12	not	not	PART
ajiss-452	85	13	the	the	DET
ajiss-452	85	14	issue	issue	NOUN
ajiss-452	85	15	that	that	PRON
ajiss-452	85	16	surrounds	surround	VERB
ajiss-452	85	17	stmb	stmb	NOUN
ajiss-452	85	18	’s	’s	PART
ajiss-452	85	19	decision	decision	NOUN
ajiss-452	85	20	to	to	PART
ajiss-452	85	21	avoid	avoid	VERB
ajiss-452	85	22	it	it	PRON
ajiss-452	85	23	.	.	PUNCT
ajiss-452	86	1	rather	rather	ADV
ajiss-452	86	2	,	,	PUNCT
ajiss-452	86	3	the	the	DET
ajiss-452	86	4	decision	decision	NOUN
ajiss-452	86	5	is	be	AUX
ajiss-452	86	6	based	base	VERB
ajiss-452	86	7	on	on	ADP
ajiss-452	86	8	a	a	DET
ajiss-452	86	9	related	related	ADJ
ajiss-452	86	10	issue	issue	NOUN
ajiss-452	86	11	that	that	PRON
ajiss-452	86	12	is	be	AUX
ajiss-452	86	13	created	create	VERB
ajiss-452	86	14	by	by	ADP
ajiss-452	86	15	implementing	implement	VERB
ajiss-452	86	16	the	the	DET
ajiss-452	86	17	system	system	NOUN
ajiss-452	86	18	(	(	PUNCT
ajiss-452	86	19	i.e.	i.e.	X
ajiss-452	86	20	,	,	PUNCT
ajiss-452	86	21	paying	pay	VERB
ajiss-452	86	22	the	the	DET
ajiss-452	86	23	agents	agent	NOUN
ajiss-452	86	24	’	'	PUNCT
ajiss-452	86	25	commission	commission	PROPN
ajiss-452	86	26	)	)	PUNCT
ajiss-452	86	27	,	,	PUNCT
ajiss-452	86	28	which	which	PRON
ajiss-452	86	29	forms	form	VERB
ajiss-452	86	30	part	part	NOUN
ajiss-452	86	31	of	of	ADP
ajiss-452	86	32	a	a	DET
ajiss-452	86	33	company	company	NOUN
ajiss-452	86	34	’s	’s	PART
ajiss-452	86	35	management	management	NOUN
ajiss-452	86	36	expenses	expense	NOUN
ajiss-452	86	37	.	.	PUNCT
ajiss-452	87	1	a	a	DET
ajiss-452	87	2	significant	significant	ADJ
ajiss-452	87	3	indication	indication	NOUN
ajiss-452	87	4	of	of	ADP
ajiss-452	87	5	stmb	stmb	NOUN
ajiss-452	87	6	’s	’s	PART
ajiss-452	87	7	decision	decision	NOUN
ajiss-452	87	8	is	be	AUX
ajiss-452	87	9	derived	derive	VERB
ajiss-452	87	10	from	from	ADP
ajiss-452	87	11	a	a	DET
ajiss-452	87	12	working	work	VERB
ajiss-452	87	13	paper	paper	NOUN
ajiss-452	87	14	presented	present	VERB
ajiss-452	87	15	by	by	ADP
ajiss-452	87	16	the	the	DET
ajiss-452	87	17	company	company	NOUN
ajiss-452	87	18	’s	’s	PART
ajiss-452	87	19	ceo	ceo	NOUN
ajiss-452	87	20	at	at	ADP
ajiss-452	87	21	a	a	DET
ajiss-452	87	22	seminar	seminar	NOUN
ajiss-452	87	23	on	on	ADP
ajiss-452	87	24	takaful	takaful	ADJ
ajiss-452	87	25	.	.	PUNCT
ajiss-452	88	1	it	it	PRON
ajiss-452	88	2	has	have	AUX
ajiss-452	88	3	since	since	ADV
ajiss-452	88	4	been	be	AUX
ajiss-452	88	5	published	publish	VERB
ajiss-452	88	6	in	in	ADP
ajiss-452	88	7	a	a	DET
ajiss-452	88	8	book	book	NOUN
ajiss-452	88	9	used	use	VERB
ajiss-452	88	10	to	to	PART
ajiss-452	88	11	train	train	VERB
ajiss-452	88	12	takaful	takaful	ADJ
ajiss-452	88	13	branch	branch	NOUN
ajiss-452	88	14	counters	counter	NOUN
ajiss-452	88	15	’	'	PUNCT
ajiss-452	88	16	administrators	administrator	NOUN
ajiss-452	88	17	:	:	PUNCT
ajiss-452	88	18	according	accord	VERB
ajiss-452	88	19	to	to	ADP
ajiss-452	88	20	the	the	DET
ajiss-452	88	21	encyclopedia	encyclopedia	NOUN
ajiss-452	88	22	on	on	ADP
ajiss-452	88	23	the	the	DET
ajiss-452	88	24	theory	theory	NOUN
ajiss-452	88	25	and	and	CCONJ
ajiss-452	88	26	practice	practice	NOUN
ajiss-452	88	27	of	of	ADP
ajiss-452	88	28	islamic	islamic	ADJ
ajiss-452	88	29	banking	banking	PROPN
ajiss-452	88	30	(	(	PUNCT
ajiss-452	88	31	al	al	PROPN
ajiss-452	88	32	-	-	PUNCT
ajiss-452	88	33	mawsu`ah	mawsu`ah	PROPN
ajiss-452	88	34	al-`ilmiyah	al-`ilmiyah	PROPN
ajiss-452	88	35	wa	wa	PROPN
ajiss-452	88	36	al	al	PROPN
ajiss-452	88	37	-	-	PUNCT
ajiss-452	88	38	amaliyah	amaliyah	PROPN
ajiss-452	88	39	li	li	PROPN
ajiss-452	88	40	al	al	PROPN
ajiss-452	88	41	-	-	PUNCT
ajiss-452	88	42	bunuk	bunuk	PROPN
ajiss-452	88	43	alislamiyah	alislamiyah	PROPN
ajiss-452	88	44	)	)	PUNCT
ajiss-452	88	45	,	,	PUNCT
ajiss-452	88	46	published	publish	VERB
ajiss-452	88	47	by	by	ADP
ajiss-452	88	48	the	the	DET
ajiss-452	88	49	international	international	PROPN
ajiss-452	88	50	association	association	PROPN
ajiss-452	88	51	of	of	ADP
ajiss-452	88	52	islamic	islamic	ADJ
ajiss-452	88	53	banks	bank	NOUN
ajiss-452	88	54	,	,	PUNCT
ajiss-452	88	55	it	it	PRON
ajiss-452	88	56	is	be	AUX
ajiss-452	88	57	prohibited	prohibit	VERB
ajiss-452	88	58	to	to	PART
ajiss-452	88	59	deduct	deduct	VERB
ajiss-452	88	60	management	management	NOUN
ajiss-452	88	61	expenses	expense	NOUN
ajiss-452	88	62	from	from	ADP
ajiss-452	88	63	the	the	DET
ajiss-452	88	64	almudarabah	almudarabah	NOUN
ajiss-452	88	65	capital	capital	NOUN
ajiss-452	88	66	or	or	CCONJ
ajiss-452	88	67	its	its	PRON
ajiss-452	88	68	realized	realize	VERB
ajiss-452	88	69	profit	profit	NOUN
ajiss-452	88	70	.	.	PUNCT
ajiss-452	89	1	the	the	DET
ajiss-452	89	2	takaful	takaful	ADJ
ajiss-452	89	3	contribution	contribution	NOUN
ajiss-452	89	4	is	be	AUX
ajiss-452	89	5	the	the	DET
ajiss-452	89	6	mudarabah	mudarabah	NOUN
ajiss-452	89	7	capital	capital	NOUN
ajiss-452	89	8	provided	provide	VERB
ajiss-452	89	9	by	by	ADP
ajiss-452	89	10	the	the	DET
ajiss-452	89	11	participant	participant	NOUN
ajiss-452	89	12	,	,	PUNCT
ajiss-452	89	13	therefore	therefore	ADV
ajiss-452	89	14	the	the	DET
ajiss-452	89	15	capital	capital	NOUN
ajiss-452	89	16	or	or	CCONJ
ajiss-452	89	17	its	its	PRON
ajiss-452	89	18	investment	investment	NOUN
ajiss-452	89	19	profit	profit	NOUN
ajiss-452	89	20	can	can	AUX
ajiss-452	89	21	not	not	PART
ajiss-452	89	22	be	be	AUX
ajiss-452	89	23	used	use	VERB
ajiss-452	89	24	to	to	PART
ajiss-452	89	25	pay	pay	VERB
ajiss-452	89	26	for	for	ADP
ajiss-452	89	27	financing	finance	VERB
ajiss-452	89	28	the	the	DET
ajiss-452	89	29	agency	agency	NOUN
ajiss-452	89	30	system	system	NOUN
ajiss-452	89	31	(	(	PUNCT
ajiss-452	89	32	al	al	PROPN
ajiss-452	89	33	-	-	PUNCT
ajiss-452	89	34	wakalah	wakalah	PROPN
ajiss-452	89	35	)	)	PUNCT
ajiss-452	89	36	in	in	ADP
ajiss-452	89	37	view	view	NOUN
ajiss-452	89	38	of	of	ADP
ajiss-452	89	39	the	the	DET
ajiss-452	89	40	fact	fact	NOUN
ajiss-452	89	41	that	that	SCONJ
ajiss-452	89	42	agency	agency	NOUN
ajiss-452	89	43	cost	cost	NOUN
ajiss-452	89	44	is	be	AUX
ajiss-452	89	45	a	a	DET
ajiss-452	89	46	component	component	NOUN
ajiss-452	89	47	of	of	ADP
ajiss-452	89	48	the	the	DET
ajiss-452	89	49	management	management	NOUN
ajiss-452	89	50	expenses	expense	NOUN
ajiss-452	89	51	which	which	PRON
ajiss-452	89	52	should	should	AUX
ajiss-452	89	53	be	be	AUX
ajiss-452	89	54	borne	bear	VERB
ajiss-452	89	55	by	by	ADP
ajiss-452	89	56	the	the	DET
ajiss-452	89	57	operator.23	operator.23	PROPN
ajiss-452	89	58	stmb	stmb	NOUN
ajiss-452	89	59	argues	argue	VERB
ajiss-452	89	60	that	that	SCONJ
ajiss-452	89	61	because	because	SCONJ
ajiss-452	89	62	of	of	ADP
ajiss-452	89	63	the	the	DET
ajiss-452	89	64	prevailing	prevail	VERB
ajiss-452	89	65	mudarabah	mudarabah	NOUN
ajiss-452	89	66	contract	contract	NOUN
ajiss-452	89	67	governing	govern	VERB
ajiss-452	89	68	the	the	DET
ajiss-452	89	69	relationship	relationship	NOUN
ajiss-452	89	70	between	between	ADP
ajiss-452	89	71	the	the	DET
ajiss-452	89	72	company	company	NOUN
ajiss-452	89	73	and	and	CCONJ
ajiss-452	89	74	the	the	DET
ajiss-452	89	75	policies	policy	NOUN
ajiss-452	89	76	’	'	PUNCT
ajiss-452	89	77	participants	participant	NOUN
ajiss-452	89	78	,	,	PUNCT
ajiss-452	89	79	it	it	PRON
ajiss-452	89	80	can	can	AUX
ajiss-452	89	81	not	not	PART
ajiss-452	89	82	use	use	VERB
ajiss-452	89	83	the	the	DET
ajiss-452	89	84	capital	capital	NOUN
ajiss-452	89	85	or	or	CCONJ
ajiss-452	89	86	the	the	DET
ajiss-452	89	87	profits	profit	NOUN
ajiss-452	89	88	made	make	VERB
ajiss-452	89	89	by	by	ADP
ajiss-452	89	90	investing	invest	VERB
ajiss-452	89	91	it	it	PRON
ajiss-452	89	92	to	to	PART
ajiss-452	89	93	remunerate	remunerate	VERB
ajiss-452	89	94	the	the	DET
ajiss-452	89	95	agents	agent	NOUN
ajiss-452	89	96	.	.	PUNCT
ajiss-452	90	1	hence	hence	ADV
ajiss-452	90	2	,	,	PUNCT
ajiss-452	90	3	by	by	ADP
ajiss-452	90	4	following	follow	VERB
ajiss-452	90	5	a	a	DET
ajiss-452	90	6	certain	certain	ADJ
ajiss-452	90	7	juridical	juridical	ADJ
ajiss-452	90	8	interpretation	interpretation	NOUN
ajiss-452	90	9	(	(	PUNCT
ajiss-452	90	10	or	or	CCONJ
ajiss-452	90	11	ruling	ruling	NOUN
ajiss-452	90	12	)	)	PUNCT
ajiss-452	90	13	34	34	NUM
ajiss-452	90	14	the	the	DET
ajiss-452	90	15	american	american	PROPN
ajiss-452	90	16	journal	journal	PROPN
ajiss-452	90	17	of	of	ADP
ajiss-452	90	18	islamic	islamic	ADJ
ajiss-452	90	19	social	social	PROPN
ajiss-452	90	20	sciences	science	NOUN
ajiss-452	90	21	22:1	22:1	NUM
ajiss-452	90	22	governing	govern	VERB
ajiss-452	90	23	management	management	NOUN
ajiss-452	90	24	expenses	expense	NOUN
ajiss-452	90	25	,	,	PUNCT
ajiss-452	90	26	stmb	stmb	NOUN
ajiss-452	90	27	decided	decide	VERB
ajiss-452	90	28	not	not	PART
ajiss-452	90	29	to	to	PART
ajiss-452	90	30	implement	implement	VERB
ajiss-452	90	31	the	the	DET
ajiss-452	90	32	system	system	NOUN
ajiss-452	90	33	.	.	PUNCT
ajiss-452	91	1	this	this	PRON
ajiss-452	91	2	is	be	AUX
ajiss-452	91	3	a	a	DET
ajiss-452	91	4	classic	classic	ADJ
ajiss-452	91	5	example	example	NOUN
ajiss-452	91	6	whereby	whereby	SCONJ
ajiss-452	91	7	a	a	DET
ajiss-452	91	8	company	company	NOUN
ajiss-452	91	9	’s	’s	PART
ajiss-452	91	10	operating	operate	VERB
ajiss-452	91	11	strategy	strategy	NOUN
ajiss-452	91	12	is	be	AUX
ajiss-452	91	13	constrained	constrain	VERB
ajiss-452	91	14	by	by	ADP
ajiss-452	91	15	adhering	adhere	VERB
ajiss-452	91	16	to	to	ADP
ajiss-452	91	17	a	a	DET
ajiss-452	91	18	particular	particular	ADJ
ajiss-452	91	19	legal	legal	ADJ
ajiss-452	91	20	school	school	NOUN
ajiss-452	91	21	’s	’s	PART
ajiss-452	91	22	ruling.24	ruling.24	NOUN
ajiss-452	91	23	comparatively	comparatively	ADV
ajiss-452	91	24	,	,	PUNCT
ajiss-452	91	25	this	this	PRON
ajiss-452	91	26	would	would	AUX
ajiss-452	91	27	mean	mean	VERB
ajiss-452	91	28	that	that	DET
ajiss-452	91	29	tnsb	tnsb	NOUN
ajiss-452	91	30	,	,	PUNCT
ajiss-452	91	31	in	in	ADP
ajiss-452	91	32	employing	employ	VERB
ajiss-452	91	33	the	the	DET
ajiss-452	91	34	agency	agency	NOUN
ajiss-452	91	35	system	system	NOUN
ajiss-452	91	36	,	,	PUNCT
ajiss-452	91	37	complies	comply	VERB
ajiss-452	91	38	with	with	ADP
ajiss-452	91	39	the	the	DET
ajiss-452	91	40	ruling	ruling	NOUN
ajiss-452	91	41	of	of	ADP
ajiss-452	91	42	another	another	DET
ajiss-452	91	43	legal	legal	ADJ
ajiss-452	91	44	school	school	NOUN
ajiss-452	91	45	with	with	ADP
ajiss-452	91	46	regards	regard	NOUN
ajiss-452	91	47	to	to	ADP
ajiss-452	91	48	agency	agency	NOUN
ajiss-452	91	49	costs	cost	NOUN
ajiss-452	91	50	.	.	PUNCT
ajiss-452	92	1	in	in	ADP
ajiss-452	92	2	a	a	DET
ajiss-452	92	3	discussion	discussion	NOUN
ajiss-452	92	4	with	with	ADP
ajiss-452	92	5	a	a	DET
ajiss-452	92	6	member	member	NOUN
ajiss-452	92	7	of	of	ADP
ajiss-452	92	8	the	the	DET
ajiss-452	92	9	shar`iah	shar`iah	PROPN
ajiss-452	92	10	advisory	advisory	ADJ
ajiss-452	92	11	council	council	NOUN
ajiss-452	92	12	of	of	ADP
ajiss-452	92	13	one	one	NUM
ajiss-452	92	14	of	of	ADP
ajiss-452	92	15	the	the	DET
ajiss-452	92	16	companies	company	NOUN
ajiss-452	92	17	,	,	PUNCT
ajiss-452	92	18	it	it	PRON
ajiss-452	92	19	was	be	AUX
ajiss-452	92	20	made	make	VERB
ajiss-452	92	21	clear	clear	ADJ
ajiss-452	92	22	that	that	SCONJ
ajiss-452	92	23	sunni	sunni	PROPN
ajiss-452	92	24	muslim	muslim	PROPN
ajiss-452	92	25	jurists	jurists	PROPN
ajiss-452	92	26	are	be	AUX
ajiss-452	92	27	divided	divide	VERB
ajiss-452	92	28	on	on	ADP
ajiss-452	92	29	the	the	DET
ajiss-452	92	30	issue	issue	NOUN
ajiss-452	92	31	of	of	ADP
ajiss-452	92	32	management	management	NOUN
ajiss-452	92	33	expenses	expense	NOUN
ajiss-452	92	34	incurred	incur	VERB
ajiss-452	92	35	while	while	SCONJ
ajiss-452	92	36	doing	do	VERB
ajiss-452	92	37	business	business	NOUN
ajiss-452	92	38	.	.	PUNCT
ajiss-452	93	1	al	al	PROPN
ajiss-452	93	2	-	-	PUNCT
ajiss-452	93	3	shafi`i	shafi`i	NOUN
ajiss-452	93	4	writes	write	VERB
ajiss-452	93	5	that	that	SCONJ
ajiss-452	93	6	covering	cover	VERB
ajiss-452	93	7	such	such	ADJ
ajiss-452	93	8	expenses	expense	NOUN
ajiss-452	93	9	from	from	ADP
ajiss-452	93	10	the	the	DET
ajiss-452	93	11	mudarabah	mudarabah	NOUN
ajiss-452	93	12	capital	capital	NOUN
ajiss-452	93	13	or	or	CCONJ
ajiss-452	93	14	its	its	PRON
ajiss-452	93	15	realized	realize	VERB
ajiss-452	93	16	profits	profit	NOUN
ajiss-452	93	17	leads	lead	VERB
ajiss-452	93	18	to	to	ADP
ajiss-452	93	19	gharar	gharar	NOUN
ajiss-452	93	20	(	(	PUNCT
ajiss-452	93	21	uncertainty	uncertainty	NOUN
ajiss-452	93	22	)	)	PUNCT
ajiss-452	93	23	,	,	PUNCT
ajiss-452	93	24	the	the	DET
ajiss-452	93	25	presence	presence	NOUN
ajiss-452	93	26	of	of	ADP
ajiss-452	93	27	which	which	PRON
ajiss-452	93	28	voids	void	VERB
ajiss-452	93	29	a	a	DET
ajiss-452	93	30	contract	contract	NOUN
ajiss-452	93	31	.	.	PUNCT
ajiss-452	94	1	clearly	clearly	ADV
ajiss-452	94	2	,	,	PUNCT
ajiss-452	94	3	stmb	stmb	PROPN
ajiss-452	94	4	’s	’s	PART
ajiss-452	94	5	concept	concept	NOUN
ajiss-452	94	6	of	of	ADP
ajiss-452	94	7	management	management	NOUN
ajiss-452	94	8	expenses	expense	NOUN
ajiss-452	94	9	is	be	AUX
ajiss-452	94	10	based	base	VERB
ajiss-452	94	11	on	on	ADP
ajiss-452	94	12	this	this	DET
ajiss-452	94	13	view	view	NOUN
ajiss-452	94	14	.	.	PUNCT
ajiss-452	95	1	the	the	DET
ajiss-452	95	2	other	other	ADJ
ajiss-452	95	3	sunni	sunni	ADJ
ajiss-452	95	4	legal	legal	ADJ
ajiss-452	95	5	schools	school	NOUN
ajiss-452	95	6	hold	hold	VERB
ajiss-452	95	7	the	the	DET
ajiss-452	95	8	view	view	NOUN
ajiss-452	95	9	that	that	SCONJ
ajiss-452	95	10	expenses	expense	NOUN
ajiss-452	95	11	can	can	AUX
ajiss-452	95	12	be	be	AUX
ajiss-452	95	13	deducted	deduct	VERB
ajiss-452	95	14	from	from	ADP
ajiss-452	95	15	the	the	DET
ajiss-452	95	16	business	business	NOUN
ajiss-452	95	17	account	account	NOUN
ajiss-452	95	18	or	or	CCONJ
ajiss-452	95	19	realized	realize	VERB
ajiss-452	95	20	profit	profit	NOUN
ajiss-452	95	21	,	,	PUNCT
ajiss-452	95	22	depending	depend	VERB
ajiss-452	95	23	on	on	ADP
ajiss-452	95	24	the	the	DET
ajiss-452	95	25	nature	nature	NOUN
ajiss-452	95	26	of	of	ADP
ajiss-452	95	27	the	the	DET
ajiss-452	95	28	expenses	expense	NOUN
ajiss-452	95	29	.	.	PUNCT
ajiss-452	96	1	therefore	therefore	ADV
ajiss-452	96	2	,	,	PUNCT
ajiss-452	96	3	it	it	PRON
ajiss-452	96	4	could	could	AUX
ajiss-452	96	5	be	be	AUX
ajiss-452	96	6	said	say	VERB
ajiss-452	96	7	that	that	SCONJ
ajiss-452	96	8	tnsb	tnsb	NOUN
ajiss-452	96	9	concurs	concur	VERB
ajiss-452	96	10	with	with	ADP
ajiss-452	96	11	them	they	PRON
ajiss-452	96	12	.	.	PUNCT
ajiss-452	97	1	interestingly	interestingly	ADV
ajiss-452	97	2	enough	enough	ADV
ajiss-452	97	3	,	,	PUNCT
ajiss-452	97	4	even	even	ADV
ajiss-452	97	5	if	if	SCONJ
ajiss-452	97	6	stmb	stmb	NOUN
ajiss-452	97	7	continues	continue	VERB
ajiss-452	97	8	with	with	ADP
ajiss-452	97	9	mudarabah	mudarabah	NOUN
ajiss-452	97	10	and	and	CCONJ
ajiss-452	97	11	simultaneously	simultaneously	ADV
ajiss-452	97	12	implements	implement	VERB
ajiss-452	97	13	the	the	DET
ajiss-452	97	14	system	system	NOUN
ajiss-452	97	15	,	,	PUNCT
ajiss-452	97	16	it	it	PRON
ajiss-452	97	17	can	can	AUX
ajiss-452	97	18	still	still	ADV
ajiss-452	97	19	adhere	adhere	VERB
ajiss-452	97	20	to	to	ADP
ajiss-452	97	21	the	the	DET
ajiss-452	97	22	encyclopedia	encyclopedia	NOUN
ajiss-452	97	23	’s	’s	PART
ajiss-452	97	24	definition	definition	NOUN
ajiss-452	97	25	,	,	PUNCT
ajiss-452	97	26	because	because	SCONJ
ajiss-452	97	27	the	the	DET
ajiss-452	97	28	issue	issue	NOUN
ajiss-452	97	29	of	of	ADP
ajiss-452	97	30	non	non	ADJ
ajiss-452	97	31	-	-	ADJ
ajiss-452	97	32	permissibility	permissibility	NOUN
ajiss-452	97	33	arises	arise	VERB
ajiss-452	97	34	only	only	ADV
ajiss-452	97	35	if	if	SCONJ
ajiss-452	97	36	the	the	DET
ajiss-452	97	37	payment	payment	NOUN
ajiss-452	97	38	to	to	ADP
ajiss-452	97	39	the	the	DET
ajiss-452	97	40	agents	agent	NOUN
ajiss-452	97	41	(	(	PUNCT
ajiss-452	97	42	perceived	perceive	VERB
ajiss-452	97	43	as	as	ADP
ajiss-452	97	44	a	a	DET
ajiss-452	97	45	management	management	NOUN
ajiss-452	97	46	cost	cost	NOUN
ajiss-452	97	47	)	)	PUNCT
ajiss-452	97	48	is	be	AUX
ajiss-452	97	49	taken	take	VERB
ajiss-452	97	50	from	from	ADP
ajiss-452	97	51	the	the	DET
ajiss-452	97	52	capital	capital	NOUN
ajiss-452	97	53	or	or	CCONJ
ajiss-452	97	54	deducted	deduct	VERB
ajiss-452	97	55	from	from	ADP
ajiss-452	97	56	the	the	DET
ajiss-452	97	57	gross	gross	ADJ
ajiss-452	97	58	profit	profit	NOUN
ajiss-452	97	59	.	.	PUNCT
ajiss-452	98	1	should	should	AUX
ajiss-452	98	2	the	the	DET
ajiss-452	98	3	payment	payment	NOUN
ajiss-452	98	4	be	be	AUX
ajiss-452	98	5	taken	take	VERB
ajiss-452	98	6	from	from	ADP
ajiss-452	98	7	the	the	DET
ajiss-452	98	8	mudarib	mudarib	NOUN
ajiss-452	98	9	’s	’s	PART
ajiss-452	98	10	share	share	NOUN
ajiss-452	98	11	of	of	ADP
ajiss-452	98	12	the	the	DET
ajiss-452	98	13	profit	profit	NOUN
ajiss-452	98	14	(	(	PUNCT
ajiss-452	98	15	i.e.	i.e.	X
ajiss-452	98	16	,	,	PUNCT
ajiss-452	98	17	the	the	DET
ajiss-452	98	18	company	company	NOUN
ajiss-452	98	19	’s	’s	PART
ajiss-452	98	20	share	share	NOUN
ajiss-452	98	21	after	after	ADP
ajiss-452	98	22	paying	pay	VERB
ajiss-452	98	23	the	the	DET
ajiss-452	98	24	profit	profit	NOUN
ajiss-452	98	25	share	share	NOUN
ajiss-452	98	26	attributable	attributable	ADJ
ajiss-452	98	27	to	to	ADP
ajiss-452	98	28	participants	participant	NOUN
ajiss-452	98	29	)	)	PUNCT
ajiss-452	98	30	,	,	PUNCT
ajiss-452	98	31	the	the	DET
ajiss-452	98	32	issue	issue	NOUN
ajiss-452	98	33	is	be	AUX
ajiss-452	98	34	no	no	ADV
ajiss-452	98	35	longer	long	ADV
ajiss-452	98	36	relevant	relevant	ADJ
ajiss-452	98	37	.	.	PUNCT
ajiss-452	99	1	putting	put	VERB
ajiss-452	99	2	it	it	PRON
ajiss-452	99	3	in	in	ADP
ajiss-452	99	4	a	a	DET
ajiss-452	99	5	form	form	NOUN
ajiss-452	99	6	of	of	ADP
ajiss-452	99	7	a	a	DET
ajiss-452	99	8	question	question	NOUN
ajiss-452	99	9	,	,	PUNCT
ajiss-452	99	10	if	if	SCONJ
ajiss-452	99	11	stmb	stmb	NOUN
ajiss-452	99	12	can	can	AUX
ajiss-452	99	13	not	not	PART
ajiss-452	99	14	deduct	deduct	VERB
ajiss-452	99	15	the	the	DET
ajiss-452	99	16	particular	particular	ADJ
ajiss-452	99	17	expenses	expense	NOUN
ajiss-452	99	18	from	from	ADP
ajiss-452	99	19	the	the	DET
ajiss-452	99	20	capital	capital	NOUN
ajiss-452	99	21	or	or	CCONJ
ajiss-452	99	22	gross	gross	ADJ
ajiss-452	99	23	profit	profit	NOUN
ajiss-452	99	24	,	,	PUNCT
ajiss-452	99	25	why	why	SCONJ
ajiss-452	99	26	not	not	PART
ajiss-452	99	27	deduct	deduct	VERB
ajiss-452	99	28	the	the	DET
ajiss-452	99	29	expenses	expense	NOUN
ajiss-452	99	30	from	from	ADP
ajiss-452	99	31	its	its	PRON
ajiss-452	99	32	share	share	NOUN
ajiss-452	99	33	of	of	ADP
ajiss-452	99	34	the	the	DET
ajiss-452	99	35	profit	profit	NOUN
ajiss-452	99	36	?	?	PUNCT
ajiss-452	100	1	if	if	SCONJ
ajiss-452	100	2	there	there	PRON
ajiss-452	100	3	is	be	VERB
ajiss-452	100	4	no	no	DET
ajiss-452	100	5	profit	profit	NOUN
ajiss-452	100	6	,	,	PUNCT
ajiss-452	100	7	the	the	DET
ajiss-452	100	8	company	company	NOUN
ajiss-452	100	9	can	can	AUX
ajiss-452	100	10	cover	cover	VERB
ajiss-452	100	11	the	the	DET
ajiss-452	100	12	expenses	expense	NOUN
ajiss-452	100	13	by	by	ADP
ajiss-452	100	14	utilizing	utilize	VERB
ajiss-452	100	15	the	the	DET
ajiss-452	100	16	shareholders	shareholder	NOUN
ajiss-452	100	17	’	'	PUNCT
ajiss-452	100	18	fund	fund	NOUN
ajiss-452	100	19	.	.	PUNCT
ajiss-452	101	1	this	this	PRON
ajiss-452	101	2	means	mean	VERB
ajiss-452	101	3	that	that	SCONJ
ajiss-452	101	4	the	the	DET
ajiss-452	101	5	management	management	NOUN
ajiss-452	101	6	expenses	expense	NOUN
ajiss-452	101	7	will	will	AUX
ajiss-452	101	8	always	always	ADV
ajiss-452	101	9	be	be	AUX
ajiss-452	101	10	borne	bear	VERB
ajiss-452	101	11	by	by	ADP
ajiss-452	101	12	the	the	DET
ajiss-452	101	13	company	company	NOUN
ajiss-452	101	14	or	or	CCONJ
ajiss-452	101	15	the	the	DET
ajiss-452	101	16	operator	operator	NOUN
ajiss-452	101	17	,	,	PUNCT
ajiss-452	101	18	which	which	PRON
ajiss-452	101	19	is	be	AUX
ajiss-452	101	20	,	,	PUNCT
ajiss-452	101	21	in	in	ADP
ajiss-452	101	22	fact	fact	NOUN
ajiss-452	101	23	,	,	PUNCT
ajiss-452	101	24	consistent	consistent	ADJ
ajiss-452	101	25	with	with	ADP
ajiss-452	101	26	the	the	DET
ajiss-452	101	27	last	last	ADJ
ajiss-452	101	28	line	line	NOUN
ajiss-452	101	29	of	of	ADP
ajiss-452	101	30	the	the	DET
ajiss-452	101	31	definition	definition	NOUN
ajiss-452	101	32	.	.	PUNCT
ajiss-452	102	1	due	due	ADP
ajiss-452	102	2	to	to	ADP
ajiss-452	102	3	the	the	DET
ajiss-452	102	4	availability	availability	NOUN
ajiss-452	102	5	of	of	ADP
ajiss-452	102	6	various	various	ADJ
ajiss-452	102	7	methods	method	NOUN
ajiss-452	102	8	for	for	ADP
ajiss-452	102	9	conducting	conduct	VERB
ajiss-452	102	10	jurisprudence	jurisprudence	NOUN
ajiss-452	102	11	,	,	PUNCT
ajiss-452	102	12	as	as	ADV
ajiss-452	102	13	well	well	ADV
ajiss-452	102	14	as	as	ADP
ajiss-452	102	15	the	the	DET
ajiss-452	102	16	jurists	jurist	NOUN
ajiss-452	102	17	’	’	PART
ajiss-452	102	18	experience	experience	NOUN
ajiss-452	102	19	,	,	PUNCT
ajiss-452	102	20	there	there	PRON
ajiss-452	102	21	will	will	AUX
ajiss-452	102	22	be	be	AUX
ajiss-452	102	23	situations	situation	NOUN
ajiss-452	102	24	when	when	SCONJ
ajiss-452	102	25	more	more	ADJ
ajiss-452	102	26	than	than	ADP
ajiss-452	102	27	one	one	NUM
ajiss-452	102	28	opinion	opinion	NOUN
ajiss-452	102	29	could	could	AUX
ajiss-452	102	30	exist	exist	VERB
ajiss-452	102	31	.	.	PUNCT
ajiss-452	103	1	the	the	DET
ajiss-452	103	2	different	different	ADJ
ajiss-452	103	3	treatment	treatment	NOUN
ajiss-452	103	4	of	of	ADP
ajiss-452	103	5	management	management	NOUN
ajiss-452	103	6	expenses	expense	NOUN
ajiss-452	103	7	depicted	depict	VERB
ajiss-452	103	8	above	above	ADV
ajiss-452	103	9	is	be	AUX
ajiss-452	103	10	an	an	DET
ajiss-452	103	11	example	example	NOUN
ajiss-452	103	12	of	of	ADP
ajiss-452	103	13	this	this	PRON
ajiss-452	103	14	.	.	PUNCT
ajiss-452	104	1	however	however	ADV
ajiss-452	104	2	,	,	PUNCT
ajiss-452	104	3	it	it	PRON
ajiss-452	104	4	must	must	AUX
ajiss-452	104	5	be	be	AUX
ajiss-452	104	6	noted	note	VERB
ajiss-452	104	7	that	that	SCONJ
ajiss-452	104	8	such	such	ADJ
ajiss-452	104	9	differences	difference	NOUN
ajiss-452	104	10	are	be	AUX
ajiss-452	104	11	unavoidable	unavoidable	ADJ
ajiss-452	104	12	,	,	PUNCT
ajiss-452	104	13	due	due	ADP
ajiss-452	104	14	to	to	ADP
ajiss-452	104	15	the	the	DET
ajiss-452	104	16	nature	nature	NOUN
ajiss-452	104	17	of	of	ADP
ajiss-452	104	18	ijtihad	ijtihad	NOUN
ajiss-452	104	19	.	.	PUNCT
ajiss-452	105	1	furthermore	furthermore	ADV
ajiss-452	105	2	,	,	PUNCT
ajiss-452	105	3	the	the	DET
ajiss-452	105	4	difference	difference	NOUN
ajiss-452	105	5	lies	lie	VERB
ajiss-452	105	6	in	in	ADP
ajiss-452	105	7	how	how	SCONJ
ajiss-452	105	8	the	the	DET
ajiss-452	105	9	shari`ah	shari`ah	PROPN
ajiss-452	105	10	is	be	AUX
ajiss-452	105	11	applied	apply	VERB
ajiss-452	105	12	,	,	PUNCT
ajiss-452	105	13	not	not	PART
ajiss-452	105	14	in	in	ADP
ajiss-452	105	15	its	its	PRON
ajiss-452	105	16	roots	root	NOUN
ajiss-452	105	17	.	.	PUNCT
ajiss-452	106	1	hence	hence	ADV
ajiss-452	106	2	,	,	PUNCT
ajiss-452	106	3	both	both	PRON
ajiss-452	106	4	stmb	stmb	NOUN
ajiss-452	106	5	and	and	CCONJ
ajiss-452	106	6	tnsb	tnsb	NOUN
ajiss-452	106	7	are	be	AUX
ajiss-452	106	8	right	right	ADJ
ajiss-452	106	9	,	,	PUNCT
ajiss-452	106	10	from	from	ADP
ajiss-452	106	11	the	the	DET
ajiss-452	106	12	shari`ah	shari`ah	PROPN
ajiss-452	106	13	’s	’s	PART
ajiss-452	106	14	viewpoint	viewpoint	NOUN
ajiss-452	106	15	,	,	PUNCT
ajiss-452	106	16	with	with	ADP
ajiss-452	106	17	regard	regard	NOUN
ajiss-452	106	18	to	to	ADP
ajiss-452	106	19	their	their	PRON
ajiss-452	106	20	treatment	treatment	NOUN
ajiss-452	106	21	of	of	ADP
ajiss-452	106	22	agency	agency	NOUN
ajiss-452	106	23	costs	cost	NOUN
ajiss-452	106	24	.	.	PUNCT
ajiss-452	107	1	the	the	DET
ajiss-452	107	2	question	question	NOUN
ajiss-452	107	3	now	now	ADV
ajiss-452	107	4	is	be	AUX
ajiss-452	107	5	:	:	PUNCT
ajiss-452	107	6	if	if	SCONJ
ajiss-452	107	7	stmb	stmb	NOUN
ajiss-452	107	8	is	be	AUX
ajiss-452	107	9	correct	correct	ADJ
ajiss-452	107	10	in	in	ADP
ajiss-452	107	11	not	not	PART
ajiss-452	107	12	employing	employ	VERB
ajiss-452	107	13	sales	sale	NOUN
ajiss-452	107	14	agents	agent	NOUN
ajiss-452	107	15	,	,	PUNCT
ajiss-452	107	16	why	why	SCONJ
ajiss-452	107	17	should	should	AUX
ajiss-452	107	18	it	it	PRON
ajiss-452	107	19	consider	consider	VERB
ajiss-452	107	20	changing	change	VERB
ajiss-452	107	21	its	its	PRON
ajiss-452	107	22	strategy	strategy	NOUN
ajiss-452	107	23	?	?	PUNCT
ajiss-452	108	1	the	the	DET
ajiss-452	108	2	answer	answer	NOUN
ajiss-452	108	3	is	be	AUX
ajiss-452	108	4	that	that	SCONJ
ajiss-452	108	5	,	,	PUNCT
ajiss-452	108	6	in	in	ADP
ajiss-452	108	7	deciding	decide	VERB
ajiss-452	108	8	annuar	annuar	ADJ
ajiss-452	108	9	:	:	PUNCT
ajiss-452	108	10	al	al	PROPN
ajiss-452	108	11	-	-	PUNCT
ajiss-452	108	12	wakalah	wakalah	PROPN
ajiss-452	108	13	and	and	CCONJ
ajiss-452	108	14	customers	customer	NOUN
ajiss-452	108	15	’	’	PART
ajiss-452	108	16	preferences	preference	NOUN
ajiss-452	108	17	toward	toward	ADP
ajiss-452	108	18	it	it	PRON
ajiss-452	108	19	35	35	NUM
ajiss-452	108	20	its	its	PRON
ajiss-452	108	21	strategy	strategy	NOUN
ajiss-452	108	22	,	,	PUNCT
ajiss-452	108	23	it	it	PRON
ajiss-452	108	24	has	have	VERB
ajiss-452	108	25	to	to	PART
ajiss-452	108	26	consider	consider	VERB
ajiss-452	108	27	the	the	DET
ajiss-452	108	28	customers	customer	NOUN
ajiss-452	108	29	’	'	PUNCT
ajiss-452	108	30	buying	buy	VERB
ajiss-452	108	31	behavior	behavior	NOUN
ajiss-452	108	32	as	as	ADV
ajiss-452	108	33	well	well	ADV
ajiss-452	108	34	,	,	PUNCT
ajiss-452	108	35	especially	especially	ADV
ajiss-452	108	36	the	the	DET
ajiss-452	108	37	methods	method	NOUN
ajiss-452	108	38	of	of	ADP
ajiss-452	108	39	purchasing	purchase	VERB
ajiss-452	108	40	that	that	SCONJ
ajiss-452	108	41	they	they	PRON
ajiss-452	108	42	are	be	AUX
ajiss-452	108	43	willing	willing	ADJ
ajiss-452	108	44	to	to	PART
ajiss-452	108	45	use	use	VERB
ajiss-452	108	46	.	.	PUNCT
ajiss-452	109	1	ignoring	ignore	VERB
ajiss-452	109	2	these	these	DET
ajiss-452	109	3	preferences	preference	NOUN
ajiss-452	109	4	would	would	AUX
ajiss-452	109	5	result	result	VERB
ajiss-452	109	6	in	in	ADP
ajiss-452	109	7	negative	negative	ADJ
ajiss-452	109	8	implications	implication	NOUN
ajiss-452	109	9	,	,	PUNCT
ajiss-452	109	10	such	such	ADJ
ajiss-452	109	11	as	as	ADP
ajiss-452	109	12	lost	lose	VERB
ajiss-452	109	13	revenue	revenue	NOUN
ajiss-452	109	14	,	,	PUNCT
ajiss-452	109	15	inefficient	inefficient	ADJ
ajiss-452	109	16	cost	cost	NOUN
ajiss-452	109	17	management	management	NOUN
ajiss-452	109	18	,	,	PUNCT
ajiss-452	109	19	and	and	CCONJ
ajiss-452	109	20	depressed	depressed	ADJ
ajiss-452	109	21	profits	profit	NOUN
ajiss-452	109	22	.	.	PUNCT
ajiss-452	110	1	the	the	DET
ajiss-452	110	2	next	next	ADJ
ajiss-452	110	3	section	section	NOUN
ajiss-452	110	4	discusses	discuss	VERB
ajiss-452	110	5	the	the	DET
ajiss-452	110	6	approach	approach	NOUN
ajiss-452	110	7	and	and	CCONJ
ajiss-452	110	8	results	result	NOUN
ajiss-452	110	9	of	of	ADP
ajiss-452	110	10	a	a	DET
ajiss-452	110	11	customer	customer	NOUN
ajiss-452	110	12	preference	preference	NOUN
ajiss-452	110	13	survey	survey	NOUN
ajiss-452	110	14	with	with	ADP
ajiss-452	110	15	regard	regard	NOUN
ajiss-452	110	16	to	to	ADP
ajiss-452	110	17	the	the	DET
ajiss-452	110	18	use	use	NOUN
ajiss-452	110	19	of	of	ADP
ajiss-452	110	20	sales	sale	NOUN
ajiss-452	110	21	agents	agent	NOUN
ajiss-452	110	22	.	.	PUNCT
ajiss-452	111	1	a	a	DET
ajiss-452	111	2	survey	survey	NOUN
ajiss-452	111	3	on	on	ADP
ajiss-452	111	4	customers	customer	NOUN
ajiss-452	111	5	perception	perception	NOUN
ajiss-452	111	6	understanding	understand	VERB
ajiss-452	111	7	customers	customer	NOUN
ajiss-452	111	8	’	'	PUNCT
ajiss-452	111	9	(	(	PUNCT
ajiss-452	111	10	participants	participant	NOUN
ajiss-452	111	11	’	'	PUNCT
ajiss-452	111	12	)	)	PUNCT
ajiss-452	111	13	buying	buy	VERB
ajiss-452	111	14	behavior	behavior	NOUN
ajiss-452	111	15	is	be	AUX
ajiss-452	111	16	an	an	DET
ajiss-452	111	17	important	important	ADJ
ajiss-452	111	18	aspect	aspect	NOUN
ajiss-452	111	19	of	of	ADP
ajiss-452	111	20	marketing	marketing	NOUN
ajiss-452	111	21	-	-	PUNCT
ajiss-452	111	22	based	base	VERB
ajiss-452	111	23	companies	company	NOUN
ajiss-452	111	24	,	,	PUNCT
ajiss-452	111	25	such	such	ADJ
ajiss-452	111	26	as	as	ADP
ajiss-452	111	27	takaful	takaful	ADJ
ajiss-452	111	28	companies	company	NOUN
ajiss-452	111	29	.	.	PUNCT
ajiss-452	112	1	successful	successful	ADJ
ajiss-452	112	2	organizations	organization	NOUN
ajiss-452	112	3	continually	continually	ADV
ajiss-452	112	4	monitor	monitor	VERB
ajiss-452	112	5	both	both	CCONJ
ajiss-452	112	6	present	present	ADJ
ajiss-452	112	7	and	and	CCONJ
ajiss-452	112	8	potential	potential	ADJ
ajiss-452	112	9	customers	customer	NOUN
ajiss-452	112	10	’	'	PUNCT
ajiss-452	112	11	buying	buy	VERB
ajiss-452	112	12	patterns.25	patterns.25	NOUN
ajiss-452	112	13	one	one	NUM
ajiss-452	112	14	characteristic	characteristic	NOUN
ajiss-452	112	15	of	of	ADP
ajiss-452	112	16	the	the	DET
ajiss-452	112	17	insurance	insurance	NOUN
ajiss-452	112	18	and	and	CCONJ
ajiss-452	112	19	takaful	takaful	ADJ
ajiss-452	112	20	product	product	NOUN
ajiss-452	112	21	is	be	AUX
ajiss-452	112	22	its	its	PRON
ajiss-452	112	23	intangibility	intangibility	NOUN
ajiss-452	112	24	,	,	PUNCT
ajiss-452	112	25	where	where	SCONJ
ajiss-452	112	26	the	the	DET
ajiss-452	112	27	service	service	NOUN
ajiss-452	112	28	will	will	AUX
ajiss-452	112	29	only	only	ADV
ajiss-452	112	30	be	be	AUX
ajiss-452	112	31	rendered	render	VERB
ajiss-452	112	32	in	in	ADP
ajiss-452	112	33	relation	relation	NOUN
ajiss-452	112	34	to	to	ADP
ajiss-452	112	35	some	some	DET
ajiss-452	112	36	future	future	ADJ
ajiss-452	112	37	events	event	NOUN
ajiss-452	112	38	.	.	PUNCT
ajiss-452	113	1	this	this	PRON
ajiss-452	113	2	is	be	AUX
ajiss-452	113	3	why	why	SCONJ
ajiss-452	113	4	it	it	PRON
ajiss-452	113	5	is	be	AUX
ajiss-452	113	6	often	often	ADV
ajiss-452	113	7	said	say	VERB
ajiss-452	113	8	that	that	SCONJ
ajiss-452	113	9	insurance	insurance	NOUN
ajiss-452	113	10	or	or	CCONJ
ajiss-452	113	11	takaful	takaful	NOUN
ajiss-452	113	12	is	be	AUX
ajiss-452	113	13	often	often	ADV
ajiss-452	113	14	sold	sell	VERB
ajiss-452	113	15	and	and	CCONJ
ajiss-452	113	16	not	not	PART
ajiss-452	113	17	bought.26	bought.26	NOUN
ajiss-452	113	18	both	both	DET
ajiss-452	113	19	tnsb	tnsb	NOUN
ajiss-452	113	20	and	and	CCONJ
ajiss-452	113	21	stmb	stmb	NOUN
ajiss-452	113	22	sell	sell	VERB
ajiss-452	113	23	their	their	PRON
ajiss-452	113	24	respective	respective	ADJ
ajiss-452	113	25	takaful	takaful	ADJ
ajiss-452	113	26	plans	plan	NOUN
ajiss-452	113	27	using	use	VERB
ajiss-452	113	28	two	two	NUM
ajiss-452	113	29	vastly	vastly	ADV
ajiss-452	113	30	different	different	ADJ
ajiss-452	113	31	channels	channel	NOUN
ajiss-452	113	32	.	.	PUNCT
ajiss-452	114	1	tnsb	tnsb	NOUN
ajiss-452	114	2	utilizes	utilize	NOUN
ajiss-452	114	3	appointed	appoint	VERB
ajiss-452	114	4	agents	agent	NOUN
ajiss-452	114	5	to	to	PART
ajiss-452	114	6	acquire	acquire	VERB
ajiss-452	114	7	new	new	ADJ
ajiss-452	114	8	customers	customer	NOUN
ajiss-452	114	9	,	,	PUNCT
ajiss-452	114	10	while	while	SCONJ
ajiss-452	114	11	stmb	stmb	NOUN
ajiss-452	114	12	depends	depend	VERB
ajiss-452	114	13	on	on	ADP
ajiss-452	114	14	its	its	PRON
ajiss-452	114	15	counters	counter	NOUN
ajiss-452	114	16	,	,	PUNCT
ajiss-452	114	17	made	make	VERB
ajiss-452	114	18	up	up	ADP
ajiss-452	114	19	of	of	ADP
ajiss-452	114	20	branches	branch	NOUN
ajiss-452	114	21	and	and	CCONJ
ajiss-452	114	22	takaful	takaful	ADJ
ajiss-452	114	23	desks	desk	NOUN
ajiss-452	114	24	,	,	PUNCT
ajiss-452	114	25	to	to	PART
ajiss-452	114	26	cater	cater	VERB
ajiss-452	114	27	to	to	PART
ajiss-452	114	28	walk	walk	VERB
ajiss-452	114	29	-	-	PUNCT
ajiss-452	114	30	in	in	ADP
ajiss-452	114	31	customers	customer	NOUN
ajiss-452	114	32	.	.	PUNCT
ajiss-452	115	1	these	these	DET
ajiss-452	115	2	different	different	ADJ
ajiss-452	115	3	points	point	NOUN
ajiss-452	115	4	of	of	ADP
ajiss-452	115	5	contact	contact	NOUN
ajiss-452	115	6	with	with	ADP
ajiss-452	115	7	customers	customer	NOUN
ajiss-452	115	8	provide	provide	VERB
ajiss-452	115	9	not	not	PART
ajiss-452	115	10	only	only	ADV
ajiss-452	115	11	the	the	DET
ajiss-452	115	12	medium	medium	NOUN
ajiss-452	115	13	of	of	ADP
ajiss-452	115	14	exchange	exchange	NOUN
ajiss-452	115	15	through	through	ADP
ajiss-452	115	16	which	which	PRON
ajiss-452	115	17	the	the	DET
ajiss-452	115	18	buying	buying	NOUN
ajiss-452	115	19	and	and	CCONJ
ajiss-452	115	20	selling	selling	NOUN
ajiss-452	115	21	of	of	ADP
ajiss-452	115	22	such	such	ADJ
ajiss-452	115	23	plans	plan	NOUN
ajiss-452	115	24	take	take	VERB
ajiss-452	115	25	place	place	NOUN
ajiss-452	115	26	,	,	PUNCT
ajiss-452	115	27	but	but	CCONJ
ajiss-452	115	28	extend	extend	VERB
ajiss-452	115	29	into	into	ADP
ajiss-452	115	30	other	other	ADJ
ajiss-452	115	31	vital	vital	ADJ
ajiss-452	115	32	areas	area	NOUN
ajiss-452	115	33	that	that	PRON
ajiss-452	115	34	are	be	AUX
ajiss-452	115	35	profoundly	profoundly	ADV
ajiss-452	115	36	fundamental	fundamental	ADJ
ajiss-452	115	37	in	in	ADP
ajiss-452	115	38	marketing	marketing	NOUN
ajiss-452	115	39	activities	activity	NOUN
ajiss-452	115	40	:	:	PUNCT
ajiss-452	115	41	the	the	DET
ajiss-452	115	42	quality	quality	NOUN
ajiss-452	115	43	of	of	ADP
ajiss-452	115	44	services	service	NOUN
ajiss-452	115	45	provided	provide	VERB
ajiss-452	115	46	,	,	PUNCT
ajiss-452	115	47	the	the	DET
ajiss-452	115	48	convenience	convenience	NOUN
ajiss-452	115	49	of	of	ADP
ajiss-452	115	50	customers	customer	NOUN
ajiss-452	115	51	,	,	PUNCT
ajiss-452	115	52	and	and	CCONJ
ajiss-452	115	53	the	the	DET
ajiss-452	115	54	efficiency	efficiency	NOUN
ajiss-452	115	55	rendered	render	VERB
ajiss-452	115	56	,	,	PUNCT
ajiss-452	115	57	all	all	PRON
ajiss-452	115	58	of	of	ADP
ajiss-452	115	59	which	which	PRON
ajiss-452	115	60	point	point	NOUN
ajiss-452	115	61	to	to	ADP
ajiss-452	115	62	one	one	NUM
ajiss-452	115	63	single	single	ADJ
ajiss-452	115	64	objective	objective	NOUN
ajiss-452	115	65	:	:	PUNCT
ajiss-452	115	66	enhancing	enhance	VERB
ajiss-452	115	67	customer	customer	NOUN
ajiss-452	115	68	satisfaction	satisfaction	NOUN
ajiss-452	115	69	.	.	PUNCT
ajiss-452	116	1	a	a	DET
ajiss-452	116	2	simple	simple	ADJ
ajiss-452	116	3	and	and	CCONJ
ajiss-452	116	4	exploratory	exploratory	ADJ
ajiss-452	116	5	survey	survey	NOUN
ajiss-452	116	6	using	use	VERB
ajiss-452	116	7	convenient	convenient	ADJ
ajiss-452	116	8	sampling	sampling	NOUN
ajiss-452	116	9	was	be	AUX
ajiss-452	116	10	conducted	conduct	VERB
ajiss-452	116	11	by	by	ADP
ajiss-452	116	12	distributing	distribute	VERB
ajiss-452	116	13	short	short	ADJ
ajiss-452	116	14	and	and	CCONJ
ajiss-452	116	15	direct	direct	ADJ
ajiss-452	116	16	questionnaires	questionnaire	NOUN
ajiss-452	116	17	designed	design	VERB
ajiss-452	116	18	to	to	PART
ajiss-452	116	19	elicit	elicit	VERB
ajiss-452	116	20	basic	basic	ADJ
ajiss-452	116	21	feedback	feedback	NOUN
ajiss-452	116	22	from	from	ADP
ajiss-452	116	23	current	current	ADJ
ajiss-452	116	24	and	and	CCONJ
ajiss-452	116	25	potential	potential	ADJ
ajiss-452	116	26	customers	customer	NOUN
ajiss-452	116	27	on	on	ADP
ajiss-452	116	28	either	either	DET
ajiss-452	116	29	systems	system	NOUN
ajiss-452	116	30	’	'	PUNCT
ajiss-452	116	31	ability	ability	NOUN
ajiss-452	116	32	to	to	PART
ajiss-452	116	33	satisfy	satisfy	VERB
ajiss-452	116	34	their	their	PRON
ajiss-452	116	35	needs	need	NOUN
ajiss-452	116	36	for	for	ADP
ajiss-452	116	37	takaful	takaful	ADJ
ajiss-452	116	38	coverage	coverage	NOUN
ajiss-452	116	39	.	.	PUNCT
ajiss-452	117	1	in	in	ADP
ajiss-452	117	2	other	other	ADJ
ajiss-452	117	3	words	word	NOUN
ajiss-452	117	4	,	,	PUNCT
ajiss-452	117	5	the	the	DET
ajiss-452	117	6	survey	survey	NOUN
ajiss-452	117	7	sought	seek	VERB
ajiss-452	117	8	to	to	PART
ajiss-452	117	9	gauge	gauge	VERB
ajiss-452	117	10	each	each	DET
ajiss-452	117	11	respondent	respondent	NOUN
ajiss-452	117	12	’s	’s	PART
ajiss-452	117	13	basic	basic	ADJ
ajiss-452	117	14	perceptions	perception	NOUN
ajiss-452	117	15	with	with	ADP
ajiss-452	117	16	regard	regard	NOUN
ajiss-452	117	17	to	to	ADP
ajiss-452	117	18	his	his	PRON
ajiss-452	117	19	or	or	CCONJ
ajiss-452	117	20	her	her	PRON
ajiss-452	117	21	preferences	preference	NOUN
ajiss-452	117	22	of	of	ADP
ajiss-452	117	23	either	either	CCONJ
ajiss-452	117	24	purchasing	purchase	VERB
ajiss-452	117	25	the	the	DET
ajiss-452	117	26	takaful	takaful	ADJ
ajiss-452	117	27	plans	plan	NOUN
ajiss-452	117	28	through	through	ADP
ajiss-452	117	29	agents	agent	NOUN
ajiss-452	117	30	(	(	PUNCT
ajiss-452	117	31	tnsb	tnsb	NOUN
ajiss-452	117	32	)	)	PUNCT
ajiss-452	117	33	or	or	CCONJ
ajiss-452	117	34	directly	directly	ADV
ajiss-452	117	35	from	from	ADP
ajiss-452	117	36	the	the	DET
ajiss-452	117	37	company	company	NOUN
ajiss-452	117	38	(	(	PUNCT
ajiss-452	117	39	stmb	stmb	PROPN
ajiss-452	117	40	)	)	PUNCT
ajiss-452	117	41	.	.	PUNCT
ajiss-452	118	1	note	note	VERB
ajiss-452	118	2	that	that	SCONJ
ajiss-452	118	3	business	business	NOUN
ajiss-452	118	4	-	-	PUNCT
ajiss-452	118	5	to	to	ADP
ajiss-452	118	6	-	-	PUNCT
ajiss-452	118	7	business	business	NOUN
ajiss-452	118	8	transactions	transaction	NOUN
ajiss-452	118	9	and	and	CCONJ
ajiss-452	118	10	a	a	DET
ajiss-452	118	11	detailed	detailed	ADJ
ajiss-452	118	12	discussion	discussion	NOUN
ajiss-452	118	13	of	of	ADP
ajiss-452	118	14	islamic	islamic	ADJ
ajiss-452	118	15	doctrines	doctrine	NOUN
ajiss-452	118	16	are	be	AUX
ajiss-452	118	17	outside	outside	ADP
ajiss-452	118	18	the	the	DET
ajiss-452	118	19	scope	scope	NOUN
ajiss-452	118	20	of	of	ADP
ajiss-452	118	21	this	this	DET
ajiss-452	118	22	survey	survey	NOUN
ajiss-452	118	23	.	.	PUNCT
ajiss-452	119	1	since	since	SCONJ
ajiss-452	119	2	the	the	DET
ajiss-452	119	3	results	result	NOUN
ajiss-452	119	4	are	be	AUX
ajiss-452	119	5	presented	present	VERB
ajiss-452	119	6	through	through	ADP
ajiss-452	119	7	a	a	DET
ajiss-452	119	8	descriptive	descriptive	ADJ
ajiss-452	119	9	analysis	analysis	NOUN
ajiss-452	119	10	,	,	PUNCT
ajiss-452	119	11	an	an	DET
ajiss-452	119	12	in	in	ADP
ajiss-452	119	13	-	-	PUNCT
ajiss-452	119	14	depth	depth	NOUN
ajiss-452	119	15	analysis	analysis	NOUN
ajiss-452	119	16	,	,	PUNCT
ajiss-452	119	17	such	such	ADJ
ajiss-452	119	18	as	as	ADP
ajiss-452	119	19	factor	factor	NOUN
ajiss-452	119	20	analysis	analysis	NOUN
ajiss-452	119	21	or	or	CCONJ
ajiss-452	119	22	analyses	analysis	NOUN
ajiss-452	119	23	of	of	ADP
ajiss-452	119	24	mean	mean	ADJ
ajiss-452	119	25	scores	score	NOUN
ajiss-452	119	26	,	,	PUNCT
ajiss-452	119	27	are	be	AUX
ajiss-452	119	28	not	not	PART
ajiss-452	119	29	covered	cover	VERB
ajiss-452	119	30	.	.	PUNCT
ajiss-452	120	1	36	36	NUM
ajiss-452	120	2	the	the	DET
ajiss-452	120	3	american	american	PROPN
ajiss-452	120	4	journal	journal	PROPN
ajiss-452	120	5	of	of	ADP
ajiss-452	120	6	islamic	islamic	ADJ
ajiss-452	120	7	social	social	PROPN
ajiss-452	120	8	sciences	science	NOUN
ajiss-452	120	9	22:1	22:1	NUM
ajiss-452	120	10	the	the	DET
ajiss-452	120	11	research	research	NOUN
ajiss-452	120	12	method	method	NOUN
ajiss-452	120	13	the	the	DET
ajiss-452	120	14	samples	sample	NOUN
ajiss-452	120	15	for	for	ADP
ajiss-452	120	16	the	the	DET
ajiss-452	120	17	study	study	NOUN
ajiss-452	120	18	are	be	AUX
ajiss-452	120	19	malaysian	malaysian	ADJ
ajiss-452	120	20	muslim	muslim	ADJ
ajiss-452	120	21	lecturers	lecturer	NOUN
ajiss-452	120	22	and	and	CCONJ
ajiss-452	120	23	assistant	assistant	ADJ
ajiss-452	120	24	lecturers	lecturer	NOUN
ajiss-452	120	25	from	from	ADP
ajiss-452	120	26	a	a	DET
ajiss-452	120	27	number	number	NOUN
ajiss-452	120	28	of	of	ADP
ajiss-452	120	29	different	different	ADJ
ajiss-452	120	30	faculty	faculty	NOUN
ajiss-452	120	31	(	(	PUNCT
ajiss-452	120	32	kulliyah	kulliyah	NOUN
ajiss-452	120	33	)	)	PUNCT
ajiss-452	120	34	of	of	ADP
ajiss-452	120	35	the	the	DET
ajiss-452	120	36	international	international	ADJ
ajiss-452	120	37	islamic	islamic	PROPN
ajiss-452	120	38	university	university	PROPN
ajiss-452	120	39	malaysia	malaysia	PROPN
ajiss-452	120	40	(	(	PUNCT
ajiss-452	120	41	iium	iium	NOUN
ajiss-452	120	42	)	)	PUNCT
ajiss-452	120	43	.	.	PUNCT
ajiss-452	121	1	this	this	PRON
ajiss-452	121	2	includes	include	VERB
ajiss-452	121	3	the	the	DET
ajiss-452	121	4	kuliyyahs	kuliyyah	NOUN
ajiss-452	121	5	of	of	ADP
ajiss-452	121	6	economics	economic	NOUN
ajiss-452	121	7	and	and	CCONJ
ajiss-452	121	8	management	management	NOUN
ajiss-452	121	9	sciences	sciences	PROPN
ajiss-452	121	10	(	(	PUNCT
ajiss-452	121	11	ems	ems	PROPN
ajiss-452	121	12	)	)	PUNCT
ajiss-452	121	13	,	,	PUNCT
ajiss-452	121	14	law	law	NOUN
ajiss-452	121	15	(	(	PUNCT
ajiss-452	121	16	law	law	NOUN
ajiss-452	121	17	)	)	PUNCT
ajiss-452	121	18	,	,	PUNCT
ajiss-452	121	19	islamic	islamic	PROPN
ajiss-452	121	20	revealed	reveal	VERB
ajiss-452	121	21	knowledge	knowledge	NOUN
ajiss-452	121	22	and	and	CCONJ
ajiss-452	121	23	human	human	ADJ
ajiss-452	121	24	sciences	science	NOUN
ajiss-452	121	25	(	(	PUNCT
ajiss-452	121	26	irkhs	irkh	NOUN
ajiss-452	121	27	)	)	PUNCT
ajiss-452	121	28	,	,	PUNCT
ajiss-452	121	29	architecture	architecture	NOUN
ajiss-452	121	30	and	and	CCONJ
ajiss-452	121	31	environmental	environmental	ADJ
ajiss-452	121	32	design	design	NOUN
ajiss-452	121	33	(	(	PUNCT
ajiss-452	121	34	kaed	kaed	NOUN
ajiss-452	121	35	)	)	PUNCT
ajiss-452	121	36	,	,	PUNCT
ajiss-452	121	37	engineering	engineering	NOUN
ajiss-452	121	38	(	(	PUNCT
ajiss-452	121	39	engine	engine	NOUN
ajiss-452	121	40	)	)	PUNCT
ajiss-452	121	41	,	,	PUNCT
ajiss-452	121	42	and	and	CCONJ
ajiss-452	121	43	education	education	NOUN
ajiss-452	121	44	(	(	PUNCT
ajiss-452	121	45	educ).27	educ).27	X
ajiss-452	121	46	since	since	SCONJ
ajiss-452	121	47	the	the	DET
ajiss-452	121	48	lecturers	lecturer	NOUN
ajiss-452	121	49	come	come	VERB
ajiss-452	121	50	from	from	ADP
ajiss-452	121	51	all	all	ADV
ajiss-452	121	52	over	over	ADP
ajiss-452	121	53	malaysia	malaysia	NOUN
ajiss-452	121	54	and	and	CCONJ
ajiss-452	121	55	have	have	VERB
ajiss-452	121	56	different	different	ADJ
ajiss-452	121	57	educational	educational	ADJ
ajiss-452	121	58	backgrounds	background	NOUN
ajiss-452	121	59	,	,	PUNCT
ajiss-452	121	60	they	they	PRON
ajiss-452	121	61	represent	represent	VERB
ajiss-452	121	62	a	a	DET
ajiss-452	121	63	good	good	ADJ
ajiss-452	121	64	sample	sample	NOUN
ajiss-452	121	65	of	of	ADP
ajiss-452	121	66	the	the	DET
ajiss-452	121	67	nation	nation	NOUN
ajiss-452	121	68	’s	’s	PART
ajiss-452	121	69	muslim	muslim	PROPN
ajiss-452	121	70	lecturers	lecturer	NOUN
ajiss-452	121	71	.	.	PUNCT
ajiss-452	122	1	malaysian	malaysian	ADJ
ajiss-452	122	2	muslim	muslim	PROPN
ajiss-452	122	3	lecturers	lecturer	NOUN
ajiss-452	122	4	represent	represent	VERB
ajiss-452	122	5	a	a	DET
ajiss-452	122	6	certain	certain	ADJ
ajiss-452	122	7	portion	portion	NOUN
ajiss-452	122	8	of	of	ADP
ajiss-452	122	9	the	the	DET
ajiss-452	122	10	consumer	consumer	NOUN
ajiss-452	122	11	market	market	NOUN
ajiss-452	122	12	,	,	PUNCT
ajiss-452	122	13	customers	customer	NOUN
ajiss-452	122	14	and	and	CCONJ
ajiss-452	122	15	potential	potential	ADJ
ajiss-452	122	16	customers	customer	NOUN
ajiss-452	122	17	of	of	ADP
ajiss-452	122	18	takaful	takaful	ADJ
ajiss-452	122	19	companies	company	NOUN
ajiss-452	122	20	,	,	PUNCT
ajiss-452	122	21	and	and	CCONJ
ajiss-452	122	22	agents	agent	NOUN
ajiss-452	122	23	of	of	ADP
ajiss-452	122	24	change	change	NOUN
ajiss-452	122	25	who	who	PRON
ajiss-452	122	26	would	would	AUX
ajiss-452	122	27	be	be	AUX
ajiss-452	122	28	able	able	ADJ
ajiss-452	122	29	to	to	PART
ajiss-452	122	30	influence	influence	VERB
ajiss-452	122	31	a	a	DET
ajiss-452	122	32	larger	large	ADJ
ajiss-452	122	33	student	student	NOUN
ajiss-452	122	34	population	population	NOUN
ajiss-452	122	35	throughout	throughout	ADP
ajiss-452	122	36	the	the	DET
ajiss-452	122	37	country.28	country.28	NOUN
ajiss-452	122	38	since	since	SCONJ
ajiss-452	122	39	iium	iium	NOUN
ajiss-452	122	40	lecturers	lecturer	NOUN
ajiss-452	122	41	work	work	VERB
ajiss-452	122	42	in	in	ADP
ajiss-452	122	43	an	an	DET
ajiss-452	122	44	islamic	islamic	ADJ
ajiss-452	122	45	environment	environment	NOUN
ajiss-452	122	46	,	,	PUNCT
ajiss-452	122	47	they	they	PRON
ajiss-452	122	48	are	be	AUX
ajiss-452	122	49	more	more	ADV
ajiss-452	122	50	aware	aware	ADJ
ajiss-452	122	51	of	of	ADP
ajiss-452	122	52	any	any	DET
ajiss-452	122	53	products	product	NOUN
ajiss-452	122	54	based	base	VERB
ajiss-452	122	55	on	on	ADP
ajiss-452	122	56	shari`ah	shari`ah	NOUN
ajiss-452	122	57	precepts	precept	NOUN
ajiss-452	122	58	,	,	PUNCT
ajiss-452	122	59	which	which	PRON
ajiss-452	122	60	include	include	VERB
ajiss-452	122	61	takaful	takaful	ADJ
ajiss-452	122	62	products	product	NOUN
ajiss-452	122	63	.	.	PUNCT
ajiss-452	123	1	my	my	PRON
ajiss-452	123	2	original	original	ADJ
ajiss-452	123	3	intention	intention	NOUN
ajiss-452	123	4	was	be	AUX
ajiss-452	123	5	to	to	PART
ajiss-452	123	6	sample	sample	VERB
ajiss-452	123	7	200	200	NUM
ajiss-452	123	8	respondents	respondent	NOUN
ajiss-452	123	9	;	;	PUNCT
ajiss-452	123	10	however	however	ADV
ajiss-452	123	11	,	,	PUNCT
ajiss-452	123	12	due	due	ADP
ajiss-452	123	13	to	to	ADP
ajiss-452	123	14	unavoidable	unavoidable	ADJ
ajiss-452	123	15	circumstances,29	circumstances,29	NOUN
ajiss-452	123	16	only	only	ADV
ajiss-452	123	17	65	65	NUM
ajiss-452	123	18	questionnaires	questionnaire	NOUN
ajiss-452	123	19	were	be	AUX
ajiss-452	123	20	collected	collect	VERB
ajiss-452	123	21	and	and	CCONJ
ajiss-452	123	22	subsequently	subsequently	ADV
ajiss-452	123	23	used	use	VERB
ajiss-452	123	24	for	for	ADP
ajiss-452	123	25	this	this	DET
ajiss-452	123	26	study	study	NOUN
ajiss-452	123	27	.	.	PUNCT
ajiss-452	124	1	the	the	DET
ajiss-452	124	2	questionnaires	questionnaire	NOUN
ajiss-452	124	3	were	be	AUX
ajiss-452	124	4	distributed	distribute	VERB
ajiss-452	124	5	and	and	CCONJ
ajiss-452	124	6	collected	collect	VERB
ajiss-452	124	7	with	with	ADP
ajiss-452	124	8	the	the	DET
ajiss-452	124	9	assistance	assistance	NOUN
ajiss-452	124	10	of	of	ADP
ajiss-452	124	11	the	the	DET
ajiss-452	124	12	respective	respective	ADJ
ajiss-452	124	13	kulliyah	kulliyah	PROPN
ajiss-452	124	14	general	general	ADJ
ajiss-452	124	15	offices	office	NOUN
ajiss-452	124	16	’	'	PUNCT
ajiss-452	124	17	personnel	personnel	NOUN
ajiss-452	124	18	.	.	PUNCT
ajiss-452	125	1	also	also	ADV
ajiss-452	125	2	,	,	PUNCT
ajiss-452	125	3	depending	depend	VERB
ajiss-452	125	4	on	on	ADP
ajiss-452	125	5	the	the	DET
ajiss-452	125	6	situation	situation	NOUN
ajiss-452	125	7	,	,	PUNCT
ajiss-452	125	8	i	i	PRON
ajiss-452	125	9	took	take	VERB
ajiss-452	125	10	the	the	DET
ajiss-452	125	11	initiative	initiative	NOUN
ajiss-452	125	12	to	to	PART
ajiss-452	125	13	personally	personally	ADV
ajiss-452	125	14	meet	meet	VERB
ajiss-452	125	15	the	the	DET
ajiss-452	125	16	lecturers	lecturer	NOUN
ajiss-452	125	17	.	.	PUNCT
ajiss-452	126	1	the	the	DET
ajiss-452	126	2	group	group	NOUN
ajiss-452	126	3	of	of	ADP
ajiss-452	126	4	respondents	respondent	NOUN
ajiss-452	126	5	consisted	consist	VERB
ajiss-452	126	6	of	of	ADP
ajiss-452	126	7	16	16	NUM
ajiss-452	126	8	lecturers	lecturer	NOUN
ajiss-452	126	9	from	from	ADP
ajiss-452	126	10	ems	ems	PROPN
ajiss-452	126	11	,	,	PUNCT
ajiss-452	126	12	8	8	NUM
ajiss-452	126	13	from	from	ADP
ajiss-452	126	14	law	law	NOUN
ajiss-452	126	15	,	,	PUNCT
ajiss-452	126	16	12	12	NUM
ajiss-452	126	17	from	from	ADP
ajiss-452	126	18	irkhs	irkh	NOUN
ajiss-452	126	19	,	,	PUNCT
ajiss-452	126	20	22	22	NUM
ajiss-452	126	21	from	from	ADP
ajiss-452	126	22	kaed	kaed	NOUN
ajiss-452	126	23	,	,	PUNCT
ajiss-452	126	24	2	2	NUM
ajiss-452	126	25	from	from	ADP
ajiss-452	126	26	engine	engine	NOUN
ajiss-452	126	27	,	,	PUNCT
ajiss-452	126	28	and	and	CCONJ
ajiss-452	126	29	5	5	NUM
ajiss-452	126	30	lecturers	lecturer	NOUN
ajiss-452	126	31	from	from	ADP
ajiss-452	126	32	educ	educ	PROPN
ajiss-452	126	33	.	.	PUNCT
ajiss-452	127	1	the	the	DET
ajiss-452	127	2	data	datum	NOUN
ajiss-452	127	3	required	require	VERB
ajiss-452	127	4	for	for	ADP
ajiss-452	127	5	this	this	DET
ajiss-452	127	6	study	study	NOUN
ajiss-452	127	7	were	be	AUX
ajiss-452	127	8	acquired	acquire	VERB
ajiss-452	127	9	through	through	ADP
ajiss-452	127	10	a	a	DET
ajiss-452	127	11	simple	simple	ADJ
ajiss-452	127	12	but	but	CCONJ
ajiss-452	127	13	carefully	carefully	ADV
ajiss-452	127	14	constructed	construct	VERB
ajiss-452	127	15	questionnaire	questionnaire	NOUN
ajiss-452	127	16	,	,	PUNCT
ajiss-452	127	17	which	which	PRON
ajiss-452	127	18	was	be	AUX
ajiss-452	127	19	made	make	VERB
ajiss-452	127	20	up	up	ADP
ajiss-452	127	21	of	of	ADP
ajiss-452	127	22	one	one	NUM
ajiss-452	127	23	section	section	NOUN
ajiss-452	127	24	consisting	consist	VERB
ajiss-452	127	25	of	of	ADP
ajiss-452	127	26	five	five	NUM
ajiss-452	127	27	questions	question	NOUN
ajiss-452	127	28	designed	design	VERB
ajiss-452	127	29	to	to	PART
ajiss-452	127	30	elicit	elicit	VERB
ajiss-452	127	31	the	the	DET
ajiss-452	127	32	respondents	respondent	NOUN
ajiss-452	127	33	’	'	PUNCT
ajiss-452	127	34	basic	basic	ADJ
ajiss-452	127	35	buying	buying	NOUN
ajiss-452	127	36	behavior	behavior	NOUN
ajiss-452	127	37	when	when	SCONJ
ajiss-452	127	38	deciding	decide	VERB
ajiss-452	127	39	to	to	PART
ajiss-452	127	40	buy	buy	VERB
ajiss-452	127	41	takaful	takaful	ADJ
ajiss-452	127	42	plans	plan	NOUN
ajiss-452	127	43	.	.	PUNCT
ajiss-452	128	1	three	three	NUM
ajiss-452	128	2	of	of	ADP
ajiss-452	128	3	the	the	DET
ajiss-452	128	4	questions	question	NOUN
ajiss-452	128	5	,	,	PUNCT
ajiss-452	128	6	namely	namely	ADV
ajiss-452	128	7	,	,	PUNCT
ajiss-452	128	8	numbers	number	NOUN
ajiss-452	128	9	1	1	NUM
ajiss-452	128	10	,	,	PUNCT
ajiss-452	128	11	4	4	NUM
ajiss-452	128	12	,	,	PUNCT
ajiss-452	128	13	and	and	CCONJ
ajiss-452	128	14	5	5	NUM
ajiss-452	128	15	,	,	PUNCT
ajiss-452	128	16	require	require	VERB
ajiss-452	128	17	either	either	CCONJ
ajiss-452	128	18	a	a	DET
ajiss-452	128	19	“	"	PUNCT
ajiss-452	128	20	yes	yes	INTJ
ajiss-452	128	21	”	"	PUNCT
ajiss-452	128	22	or	or	CCONJ
ajiss-452	128	23	a	a	DET
ajiss-452	128	24	“	"	PUNCT
ajiss-452	128	25	no	no	ADJ
ajiss-452	128	26	”	"	PUNCT
ajiss-452	128	27	answer	answer	NOUN
ajiss-452	128	28	.	.	PUNCT
ajiss-452	129	1	question	question	NOUN
ajiss-452	129	2	number	number	NOUN
ajiss-452	129	3	2	2	NUM
ajiss-452	129	4	requires	require	VERB
ajiss-452	129	5	the	the	DET
ajiss-452	129	6	respondents	respondent	NOUN
ajiss-452	129	7	to	to	PART
ajiss-452	129	8	indicate	indicate	VERB
ajiss-452	129	9	the	the	DET
ajiss-452	129	10	type	type	NOUN
ajiss-452	129	11	of	of	ADP
ajiss-452	129	12	takaful	takaful	ADJ
ajiss-452	129	13	plan(s	plan(s	NOUN
ajiss-452	129	14	)	)	PUNCT
ajiss-452	129	15	purchased	purchase	VERB
ajiss-452	129	16	(	(	PUNCT
ajiss-452	129	17	if	if	SCONJ
ajiss-452	129	18	they	they	PRON
ajiss-452	129	19	already	already	ADV
ajiss-452	129	20	own	own	VERB
ajiss-452	129	21	any	any	PRON
ajiss-452	129	22	)	)	PUNCT
ajiss-452	129	23	,	,	PUNCT
ajiss-452	129	24	while	while	SCONJ
ajiss-452	129	25	question	question	NOUN
ajiss-452	129	26	number	number	NOUN
ajiss-452	129	27	3	3	NUM
ajiss-452	129	28	asked	ask	VERB
ajiss-452	129	29	the	the	DET
ajiss-452	129	30	respondents	respondent	NOUN
ajiss-452	129	31	who	who	PRON
ajiss-452	129	32	own	own	VERB
ajiss-452	129	33	takaful	takaful	ADJ
ajiss-452	129	34	plans	plan	NOUN
ajiss-452	129	35	to	to	PART
ajiss-452	129	36	indicate	indicate	VERB
ajiss-452	129	37	how	how	SCONJ
ajiss-452	129	38	they	they	PRON
ajiss-452	129	39	had	have	AUX
ajiss-452	129	40	purchased	purchase	VERB
ajiss-452	129	41	the	the	DET
ajiss-452	129	42	plans	plan	NOUN
ajiss-452	129	43	.	.	PUNCT
ajiss-452	130	1	results	result	NOUN
ajiss-452	130	2	and	and	CCONJ
ajiss-452	130	3	discussion	discussion	NOUN
ajiss-452	130	4	the	the	DET
ajiss-452	130	5	data	datum	NOUN
ajiss-452	130	6	were	be	AUX
ajiss-452	130	7	processed	process	VERB
ajiss-452	130	8	using	use	VERB
ajiss-452	130	9	microsoft	microsoft	PROPN
ajiss-452	130	10	’s	’s	PART
ajiss-452	130	11	excel	excel	ADJ
ajiss-452	130	12	statistical	statistical	ADJ
ajiss-452	130	13	package	package	NOUN
ajiss-452	130	14	software	software	NOUN
ajiss-452	130	15	,	,	PUNCT
ajiss-452	130	16	and	and	CCONJ
ajiss-452	130	17	the	the	DET
ajiss-452	130	18	following	follow	VERB
ajiss-452	130	19	information	information	NOUN
ajiss-452	130	20	was	be	AUX
ajiss-452	130	21	compiled	compile	VERB
ajiss-452	130	22	.	.	PUNCT
ajiss-452	131	1	annuar	annuar	ADJ
ajiss-452	131	2	:	:	PUNCT
ajiss-452	132	1	al	al	PROPN
ajiss-452	132	2	-	-	PUNCT
ajiss-452	132	3	wakalah	wakalah	PROPN
ajiss-452	132	4	and	and	CCONJ
ajiss-452	132	5	customers	customer	NOUN
ajiss-452	132	6	’	’	PART
ajiss-452	132	7	preferences	preference	NOUN
ajiss-452	132	8	toward	toward	ADP
ajiss-452	132	9	it	it	PRON
ajiss-452	132	10	37	37	NUM
ajiss-452	132	11	table	table	NOUN
ajiss-452	132	12	1	1	NUM
ajiss-452	132	13	.	.	PUNCT
ajiss-452	132	14	question	question	NOUN
ajiss-452	132	15	1	1	NUM
ajiss-452	132	16	:	:	PUNCT
ajiss-452	132	17	do	do	AUX
ajiss-452	132	18	you	you	PRON
ajiss-452	132	19	own	own	VERB
ajiss-452	132	20	a	a	DET
ajiss-452	132	21	takaful	takaful	ADJ
ajiss-452	132	22	plan	plan	NOUN
ajiss-452	132	23	?	?	PUNCT
ajiss-452	133	1	38	38	NUM
ajiss-452	133	2	the	the	DET
ajiss-452	133	3	american	american	PROPN
ajiss-452	133	4	journal	journal	PROPN
ajiss-452	133	5	of	of	ADP
ajiss-452	133	6	islamic	islamic	ADJ
ajiss-452	133	7	social	social	PROPN
ajiss-452	133	8	sciences	science	NOUN
ajiss-452	133	9	22:1	22:1	NUM
ajiss-452	133	10	this	this	DET
ajiss-452	133	11	question	question	NOUN
ajiss-452	133	12	examines	examine	VERB
ajiss-452	133	13	the	the	DET
ajiss-452	133	14	distribution	distribution	NOUN
ajiss-452	133	15	of	of	ADP
ajiss-452	133	16	takaful	takaful	ADJ
ajiss-452	133	17	plan	plan	NOUN
ajiss-452	133	18	ownership	ownership	NOUN
ajiss-452	133	19	among	among	ADP
ajiss-452	133	20	the	the	DET
ajiss-452	133	21	respondents	respondent	NOUN
ajiss-452	133	22	.	.	PUNCT
ajiss-452	134	1	the	the	DET
ajiss-452	134	2	results	result	NOUN
ajiss-452	134	3	show	show	VERB
ajiss-452	134	4	that	that	SCONJ
ajiss-452	134	5	a	a	DET
ajiss-452	134	6	majority	majority	NOUN
ajiss-452	134	7	of	of	ADP
ajiss-452	134	8	them	they	PRON
ajiss-452	134	9	do	do	AUX
ajiss-452	134	10	not	not	PART
ajiss-452	134	11	own	own	VERB
ajiss-452	134	12	any	any	DET
ajiss-452	134	13	takaful	takaful	ADJ
ajiss-452	134	14	plan	plan	NOUN
ajiss-452	134	15	.	.	PUNCT
ajiss-452	135	1	this	this	PRON
ajiss-452	135	2	means	mean	VERB
ajiss-452	135	3	that	that	SCONJ
ajiss-452	135	4	there	there	PRON
ajiss-452	135	5	is	be	VERB
ajiss-452	135	6	a	a	DET
ajiss-452	135	7	high	high	ADJ
ajiss-452	135	8	potential	potential	NOUN
ajiss-452	135	9	and	and	CCONJ
ajiss-452	135	10	an	an	DET
ajiss-452	135	11	opportunity	opportunity	NOUN
ajiss-452	135	12	for	for	SCONJ
ajiss-452	135	13	takaful	takaful	ADJ
ajiss-452	135	14	companies	company	NOUN
ajiss-452	135	15	to	to	PART
ajiss-452	135	16	penetrate	penetrate	VERB
ajiss-452	135	17	the	the	DET
ajiss-452	135	18	market	market	NOUN
ajiss-452	135	19	and	and	CCONJ
ajiss-452	135	20	enlarge	enlarge	VERB
ajiss-452	135	21	their	their	PRON
ajiss-452	135	22	respective	respective	ADJ
ajiss-452	135	23	market	market	NOUN
ajiss-452	135	24	share	share	NOUN
ajiss-452	135	25	.	.	PUNCT
ajiss-452	136	1	only	only	ADV
ajiss-452	136	2	30	30	NUM
ajiss-452	136	3	(	(	PUNCT
ajiss-452	136	4	46	46	NUM
ajiss-452	136	5	percent	percent	NOUN
ajiss-452	136	6	)	)	PUNCT
ajiss-452	136	7	respondents	respondent	NOUN
ajiss-452	136	8	stated	state	VERB
ajiss-452	136	9	that	that	SCONJ
ajiss-452	136	10	they	they	PRON
ajiss-452	136	11	own	own	VERB
ajiss-452	136	12	a	a	DET
ajiss-452	136	13	takaful	takaful	ADJ
ajiss-452	136	14	plan	plan	NOUN
ajiss-452	136	15	or	or	CCONJ
ajiss-452	136	16	coverage	coverage	NOUN
ajiss-452	136	17	.	.	PUNCT
ajiss-452	137	1	eight	eight	NUM
ajiss-452	137	2	of	of	ADP
ajiss-452	137	3	them	they	PRON
ajiss-452	137	4	were	be	AUX
ajiss-452	137	5	from	from	ADP
ajiss-452	137	6	irkhs	irkh	NOUN
ajiss-452	137	7	.	.	PUNCT
ajiss-452	138	1	they	they	PRON
ajiss-452	138	2	represent	represent	VERB
ajiss-452	138	3	the	the	DET
ajiss-452	138	4	highest	high	ADJ
ajiss-452	138	5	number	number	NOUN
ajiss-452	138	6	of	of	ADP
ajiss-452	138	7	iium	iium	NOUN
ajiss-452	138	8	lecturers	lecturer	NOUN
ajiss-452	138	9	,	,	PUNCT
ajiss-452	138	10	in	in	ADP
ajiss-452	138	11	the	the	DET
ajiss-452	138	12	sample	sample	NOUN
ajiss-452	138	13	chosen	choose	VERB
ajiss-452	138	14	,	,	PUNCT
ajiss-452	138	15	with	with	ADP
ajiss-452	138	16	takaful	takaful	ADJ
ajiss-452	138	17	coverage	coverage	NOUN
ajiss-452	138	18	.	.	PUNCT
ajiss-452	139	1	in	in	ADP
ajiss-452	139	2	terms	term	NOUN
ajiss-452	139	3	of	of	ADP
ajiss-452	139	4	percentage	percentage	NOUN
ajiss-452	139	5	,	,	PUNCT
ajiss-452	139	6	engine	engine	NOUN
ajiss-452	139	7	,	,	PUNCT
ajiss-452	139	8	with	with	ADP
ajiss-452	139	9	only	only	ADV
ajiss-452	139	10	two	two	NUM
ajiss-452	139	11	respondents	respondent	NOUN
ajiss-452	139	12	,	,	PUNCT
ajiss-452	139	13	had	have	VERB
ajiss-452	139	14	a	a	DET
ajiss-452	139	15	100	100	NUM
ajiss-452	139	16	percent	percent	NOUN
ajiss-452	139	17	coverage	coverage	NOUN
ajiss-452	139	18	rate	rate	NOUN
ajiss-452	139	19	,	,	PUNCT
ajiss-452	139	20	as	as	SCONJ
ajiss-452	139	21	both	both	PRON
ajiss-452	139	22	of	of	ADP
ajiss-452	139	23	them	they	PRON
ajiss-452	139	24	own	own	VERB
ajiss-452	139	25	a	a	DET
ajiss-452	139	26	takaful	takaful	ADJ
ajiss-452	139	27	plan	plan	NOUN
ajiss-452	139	28	.	.	PUNCT
ajiss-452	140	1	thirty	thirty	NUM
ajiss-452	140	2	-	-	PUNCT
ajiss-452	140	3	five	five	NUM
ajiss-452	140	4	(	(	PUNCT
ajiss-452	140	5	54	54	NUM
ajiss-452	140	6	percent	percent	NOUN
ajiss-452	140	7	)	)	PUNCT
ajiss-452	140	8	of	of	ADP
ajiss-452	140	9	respondents	respondent	NOUN
ajiss-452	140	10	have	have	VERB
ajiss-452	140	11	no	no	DET
ajiss-452	140	12	takaful	takaful	ADJ
ajiss-452	140	13	coverage	coverage	NOUN
ajiss-452	140	14	.	.	PUNCT
ajiss-452	141	1	fifteen	fifteen	NUM
ajiss-452	141	2	kaed	kaed	NOUN
ajiss-452	141	3	lecturers	lecturer	NOUN
ajiss-452	141	4	,	,	PUNCT
ajiss-452	141	5	representing	represent	VERB
ajiss-452	141	6	68	68	NUM
ajiss-452	141	7	percent	percent	NOUN
ajiss-452	141	8	of	of	ADP
ajiss-452	141	9	the	the	DET
ajiss-452	141	10	sample	sample	NOUN
ajiss-452	141	11	taken	take	VERB
ajiss-452	141	12	from	from	ADP
ajiss-452	141	13	that	that	DET
ajiss-452	141	14	kulliyah	kulliyah	NOUN
ajiss-452	141	15	,	,	PUNCT
ajiss-452	141	16	have	have	VERB
ajiss-452	141	17	no	no	DET
ajiss-452	141	18	takaful	takaful	ADJ
ajiss-452	141	19	coverage	coverage	NOUN
ajiss-452	141	20	.	.	PUNCT
ajiss-452	142	1	this	this	PRON
ajiss-452	142	2	represents	represent	VERB
ajiss-452	142	3	the	the	DET
ajiss-452	142	4	highest	high	ADJ
ajiss-452	142	5	number	number	NOUN
ajiss-452	142	6	of	of	ADP
ajiss-452	142	7	uninsured	uninsured	ADJ
ajiss-452	142	8	lectures	lecture	NOUN
ajiss-452	142	9	.	.	PUNCT
ajiss-452	143	1	ems	ems	PROPN
ajiss-452	143	2	also	also	ADV
ajiss-452	143	3	has	have	VERB
ajiss-452	143	4	one	one	NUM
ajiss-452	143	5	of	of	ADP
ajiss-452	143	6	the	the	DET
ajiss-452	143	7	highest	high	ADJ
ajiss-452	143	8	number	number	NOUN
ajiss-452	143	9	of	of	ADP
ajiss-452	143	10	lecturers	lecturer	NOUN
ajiss-452	143	11	without	without	ADP
ajiss-452	143	12	any	any	DET
ajiss-452	143	13	takaful	takaful	ADJ
ajiss-452	143	14	coverage	coverage	NOUN
ajiss-452	143	15	.	.	PUNCT
ajiss-452	144	1	table	table	NOUN
ajiss-452	144	2	2	2	NUM
ajiss-452	144	3	.	.	X
ajiss-452	144	4	question	question	NOUN
ajiss-452	144	5	2	2	NUM
ajiss-452	144	6	:	:	PUNCT
ajiss-452	144	7	type	type	NOUN
ajiss-452	144	8	of	of	ADP
ajiss-452	144	9	takaful	takaful	ADJ
ajiss-452	144	10	.	.	PUNCT
ajiss-452	145	1	this	this	DET
ajiss-452	145	2	question	question	NOUN
ajiss-452	145	3	reveals	reveal	VERB
ajiss-452	145	4	the	the	DET
ajiss-452	145	5	type	type	NOUN
ajiss-452	145	6	of	of	ADP
ajiss-452	145	7	plans	plan	NOUN
ajiss-452	145	8	purchased	purchase	VERB
ajiss-452	145	9	by	by	ADP
ajiss-452	145	10	the	the	DET
ajiss-452	145	11	takaful	takaful	ADJ
ajiss-452	145	12	owners	owner	NOUN
ajiss-452	145	13	.	.	PUNCT
ajiss-452	146	1	the	the	DET
ajiss-452	146	2	30	30	NUM
ajiss-452	146	3	respondents	respondent	NOUN
ajiss-452	146	4	who	who	PRON
ajiss-452	146	5	already	already	ADV
ajiss-452	146	6	owned	own	VERB
ajiss-452	146	7	takaful	takaful	ADJ
ajiss-452	146	8	plans	plan	NOUN
ajiss-452	146	9	purchased	purchase	VERB
ajiss-452	146	10	either	either	CCONJ
ajiss-452	146	11	a	a	DET
ajiss-452	146	12	single	single	ADJ
ajiss-452	146	13	plan	plan	NOUN
ajiss-452	146	14	coverage	coverage	NOUN
ajiss-452	146	15	or	or	CCONJ
ajiss-452	146	16	a	a	DET
ajiss-452	146	17	combination	combination	NOUN
ajiss-452	146	18	of	of	ADP
ajiss-452	146	19	plans	plan	NOUN
ajiss-452	146	20	consisting	consist	VERB
ajiss-452	146	21	of	of	ADP
ajiss-452	146	22	family	family	NOUN
ajiss-452	146	23	,	,	PUNCT
ajiss-452	146	24	auto	auto	NOUN
ajiss-452	146	25	,	,	PUNCT
ajiss-452	146	26	health	health	NOUN
ajiss-452	146	27	,	,	PUNCT
ajiss-452	146	28	and	and	CCONJ
ajiss-452	146	29	fire	fire	NOUN
ajiss-452	146	30	,	,	PUNCT
ajiss-452	146	31	respectively	respectively	ADV
ajiss-452	146	32	.	.	PUNCT
ajiss-452	147	1	the	the	DET
ajiss-452	147	2	total	total	ADJ
ajiss-452	147	3	number	number	NOUN
ajiss-452	147	4	of	of	ADP
ajiss-452	147	5	plans	plan	NOUN
ajiss-452	147	6	purchased	purchase	VERB
ajiss-452	147	7	was	be	AUX
ajiss-452	147	8	38	38	NUM
ajiss-452	147	9	,	,	PUNCT
ajiss-452	147	10	with	with	ADP
ajiss-452	147	11	the	the	DET
ajiss-452	147	12	family	family	NOUN
ajiss-452	147	13	plan	plan	NOUN
ajiss-452	147	14	proving	prove	VERB
ajiss-452	147	15	to	to	PART
ajiss-452	147	16	be	be	AUX
ajiss-452	147	17	the	the	DET
ajiss-452	147	18	most	most	ADV
ajiss-452	147	19	popular	popular	ADJ
ajiss-452	147	20	,	,	PUNCT
ajiss-452	147	21	with	with	ADP
ajiss-452	147	22	nearly	nearly	ADV
ajiss-452	147	23	half	half	NOUN
ajiss-452	147	24	of	of	ADP
ajiss-452	147	25	the	the	DET
ajiss-452	147	26	total	total	NOUN
ajiss-452	147	27	(	(	PUNCT
ajiss-452	147	28	i.e.	i.e.	X
ajiss-452	147	29	,	,	PUNCT
ajiss-452	147	30	47	47	NUM
ajiss-452	147	31	percent	percent	NOUN
ajiss-452	147	32	)	)	PUNCT
ajiss-452	147	33	,	,	PUNCT
ajiss-452	147	34	while	while	SCONJ
ajiss-452	147	35	the	the	DET
ajiss-452	147	36	fire	fire	NOUN
ajiss-452	147	37	plan	plan	NOUN
ajiss-452	147	38	was	be	AUX
ajiss-452	147	39	the	the	DET
ajiss-452	147	40	least	least	ADV
ajiss-452	147	41	purchased	purchase	VERB
ajiss-452	147	42	.	.	PUNCT
ajiss-452	148	1	this	this	PRON
ajiss-452	148	2	also	also	ADV
ajiss-452	148	3	reveals	reveal	VERB
ajiss-452	148	4	that	that	SCONJ
ajiss-452	148	5	the	the	DET
ajiss-452	148	6	family	family	NOUN
ajiss-452	148	7	or	or	CCONJ
ajiss-452	148	8	life	life	NOUN
ajiss-452	148	9	takaful	takaful	ADJ
ajiss-452	148	10	plan	plan	NOUN
ajiss-452	148	11	has	have	AUX
ajiss-452	148	12	gained	gain	VERB
ajiss-452	148	13	a	a	DET
ajiss-452	148	14	strong	strong	ADJ
ajiss-452	148	15	foothold	foothold	NOUN
ajiss-452	148	16	,	,	PUNCT
ajiss-452	148	17	and	and	CCONJ
ajiss-452	148	18	that	that	SCONJ
ajiss-452	148	19	the	the	DET
ajiss-452	148	20	takaful	takaful	ADJ
ajiss-452	148	21	companies	company	NOUN
ajiss-452	148	22	must	must	AUX
ajiss-452	148	23	ensure	ensure	VERB
ajiss-452	148	24	its	its	PRON
ajiss-452	148	25	continued	continued	ADJ
ajiss-452	148	26	acceptance	acceptance	NOUN
ajiss-452	148	27	.	.	PUNCT
ajiss-452	149	1	the	the	DET
ajiss-452	149	2	advantages	advantage	NOUN
ajiss-452	149	3	that	that	PRON
ajiss-452	149	4	takaful	takaful	ADJ
ajiss-452	149	5	could	could	AUX
ajiss-452	149	6	bring	bring	VERB
ajiss-452	149	7	(	(	PUNCT
ajiss-452	149	8	e.g.	e.g.	ADV
ajiss-452	149	9	,	,	PUNCT
ajiss-452	149	10	being	be	AUX
ajiss-452	149	11	in	in	ADP
ajiss-452	149	12	line	line	NOUN
ajiss-452	149	13	with	with	ADP
ajiss-452	149	14	the	the	DET
ajiss-452	149	15	shari`ah	shari`ah	PROPN
ajiss-452	149	16	,	,	PUNCT
ajiss-452	149	17	as	as	ADV
ajiss-452	149	18	well	well	ADV
ajiss-452	149	19	as	as	ADP
ajiss-452	149	20	the	the	DET
ajiss-452	149	21	concept	concept	NOUN
ajiss-452	149	22	of	of	ADP
ajiss-452	149	23	tabarru	tabarru	PROPN
ajiss-452	149	24	`	`	PUNCT
ajiss-452	149	25	,	,	PUNCT
ajiss-452	149	26	which	which	PRON
ajiss-452	149	27	stresses	stress	VERB
ajiss-452	149	28	goodwill	goodwill	NOUN
ajiss-452	149	29	and	and	CCONJ
ajiss-452	149	30	cooperation	cooperation	NOUN
ajiss-452	149	31	,	,	PUNCT
ajiss-452	149	32	and	and	CCONJ
ajiss-452	149	33	the	the	DET
ajiss-452	149	34	opportunity	opportunity	NOUN
ajiss-452	149	35	to	to	PART
ajiss-452	149	36	share	share	VERB
ajiss-452	149	37	in	in	ADP
ajiss-452	149	38	the	the	DET
ajiss-452	149	39	profits	profit	NOUN
ajiss-452	149	40	through	through	ADP
ajiss-452	149	41	mudarabah	mudarabah	NOUN
ajiss-452	149	42	)	)	PUNCT
ajiss-452	149	43	must	must	AUX
ajiss-452	149	44	be	be	AUX
ajiss-452	149	45	communicated	communicate	VERB
ajiss-452	149	46	to	to	PART
ajiss-452	149	47	and	and	CCONJ
ajiss-452	149	48	understood	understand	VERB
ajiss-452	149	49	by	by	ADP
ajiss-452	149	50	all	all	DET
ajiss-452	149	51	potential	potential	ADJ
ajiss-452	149	52	customers	customer	NOUN
ajiss-452	149	53	.	.	PUNCT
ajiss-452	150	1	this	this	DET
ajiss-452	150	2	marketing	marketing	NOUN
ajiss-452	150	3	strategy	strategy	NOUN
ajiss-452	150	4	should	should	AUX
ajiss-452	150	5	be	be	AUX
ajiss-452	150	6	done	do	VERB
ajiss-452	150	7	simultaneously	simultaneously	ADV
ajiss-452	150	8	with	with	ADP
ajiss-452	150	9	the	the	DET
ajiss-452	150	10	general	general	ADJ
ajiss-452	150	11	plans	plan	NOUN
ajiss-452	150	12	,	,	PUNCT
ajiss-452	150	13	which	which	PRON
ajiss-452	150	14	are	be	AUX
ajiss-452	150	15	still	still	ADV
ajiss-452	150	16	not	not	PART
ajiss-452	150	17	very	very	ADV
ajiss-452	150	18	popular	popular	ADJ
ajiss-452	150	19	,	,	PUNCT
ajiss-452	150	20	as	as	SCONJ
ajiss-452	150	21	indicated	indicate	VERB
ajiss-452	150	22	above	above	ADV
ajiss-452	150	23	,	,	PUNCT
ajiss-452	150	24	in	in	ADP
ajiss-452	150	25	order	order	NOUN
ajiss-452	150	26	to	to	PART
ajiss-452	150	27	ensure	ensure	VERB
ajiss-452	150	28	that	that	SCONJ
ajiss-452	150	29	a	a	DET
ajiss-452	150	30	full	full	ADJ
ajiss-452	150	31	package	package	NOUN
ajiss-452	150	32	of	of	ADP
ajiss-452	150	33	shari`ah	shari`ah	NOUN
ajiss-452	150	34	-	-	PUNCT
ajiss-452	150	35	approved	approve	VERB
ajiss-452	150	36	insurance	insurance	NOUN
ajiss-452	150	37	policies	policy	NOUN
ajiss-452	150	38	are	be	AUX
ajiss-452	150	39	always	always	ADV
ajiss-452	150	40	available	available	ADJ
ajiss-452	150	41	and	and	CCONJ
ajiss-452	150	42	will	will	AUX
ajiss-452	150	43	be	be	AUX
ajiss-452	150	44	able	able	ADJ
ajiss-452	150	45	to	to	PART
ajiss-452	150	46	withstand	withstand	VERB
ajiss-452	150	47	the	the	DET
ajiss-452	150	48	competition	competition	NOUN
ajiss-452	150	49	from	from	ADP
ajiss-452	150	50	conventional	conventional	ADJ
ajiss-452	150	51	insurance	insurance	NOUN
ajiss-452	150	52	companies	company	NOUN
ajiss-452	150	53	.	.	PUNCT
ajiss-452	151	1	table	table	NOUN
ajiss-452	151	2	3	3	NUM
ajiss-452	151	3	.	.	X
ajiss-452	151	4	question	question	NOUN
ajiss-452	151	5	3	3	NUM
ajiss-452	151	6	:	:	PUNCT
ajiss-452	151	7	presently	presently	ADV
ajiss-452	151	8	covered	cover	VERB
ajiss-452	151	9	with	with	ADP
ajiss-452	151	10	[	[	PUNCT
ajiss-452	151	11	the	the	DET
ajiss-452	151	12	current	current	ADJ
ajiss-452	151	13	policy	policy	NOUN
ajiss-452	151	14	(	(	PUNCT
ajiss-452	151	15	policies	policy	NOUN
ajiss-452	151	16	)	)	PUNCT
ajiss-452	151	17	]	]	PUNCT
ajiss-452	151	18	.	.	PUNCT
ajiss-452	152	1	annuar	annuar	ADJ
ajiss-452	152	2	:	:	PUNCT
ajiss-452	153	1	al	al	PROPN
ajiss-452	153	2	-	-	PUNCT
ajiss-452	153	3	wakalah	wakalah	PROPN
ajiss-452	153	4	and	and	CCONJ
ajiss-452	153	5	customers	customer	NOUN
ajiss-452	153	6	’	’	PART
ajiss-452	153	7	preferences	preference	NOUN
ajiss-452	153	8	toward	toward	ADP
ajiss-452	153	9	it	it	PRON
ajiss-452	153	10	39	39	NUM
ajiss-452	153	11	out	out	ADP
ajiss-452	153	12	of	of	ADP
ajiss-452	153	13	the	the	DET
ajiss-452	153	14	30	30	NUM
ajiss-452	153	15	respondents	respondent	NOUN
ajiss-452	153	16	who	who	PRON
ajiss-452	153	17	already	already	ADV
ajiss-452	153	18	own	own	VERB
ajiss-452	153	19	at	at	ADV
ajiss-452	153	20	least	least	ADV
ajiss-452	153	21	one	one	NUM
ajiss-452	153	22	coverage	coverage	NOUN
ajiss-452	153	23	plan	plan	NOUN
ajiss-452	153	24	,	,	PUNCT
ajiss-452	153	25	one	one	NUM
ajiss-452	153	26	of	of	ADP
ajiss-452	153	27	them	they	PRON
ajiss-452	153	28	(	(	PUNCT
ajiss-452	153	29	from	from	ADP
ajiss-452	153	30	law	law	NOUN
ajiss-452	153	31	)	)	PUNCT
ajiss-452	153	32	had	have	AUX
ajiss-452	153	33	purchased	purchase	VERB
ajiss-452	153	34	a	a	DET
ajiss-452	153	35	policy	policy	NOUN
ajiss-452	153	36	from	from	ADP
ajiss-452	153	37	both	both	DET
ajiss-452	153	38	stmb	stmb	NOUN
ajiss-452	153	39	and	and	CCONJ
ajiss-452	153	40	tnsb	tnsb	NOUN
ajiss-452	153	41	.	.	PUNCT
ajiss-452	154	1	overall	overall	ADV
ajiss-452	154	2	,	,	PUNCT
ajiss-452	154	3	14	14	NUM
ajiss-452	154	4	of	of	ADP
ajiss-452	154	5	them	they	PRON
ajiss-452	154	6	had	have	AUX
ajiss-452	154	7	gone	go	VERB
ajiss-452	154	8	to	to	PART
ajiss-452	154	9	stmb	stmb	VERB
ajiss-452	154	10	counters	counter	NOUN
ajiss-452	154	11	to	to	PART
ajiss-452	154	12	purchase	purchase	VERB
ajiss-452	154	13	the	the	DET
ajiss-452	154	14	plans	plan	NOUN
ajiss-452	154	15	,	,	PUNCT
ajiss-452	154	16	a	a	DET
ajiss-452	154	17	figure	figure	NOUN
ajiss-452	154	18	that	that	PRON
ajiss-452	154	19	represents	represent	VERB
ajiss-452	154	20	45	45	NUM
ajiss-452	154	21	percent	percent	NOUN
ajiss-452	154	22	of	of	ADP
ajiss-452	154	23	those	those	PRON
ajiss-452	154	24	who	who	PRON
ajiss-452	154	25	already	already	ADV
ajiss-452	154	26	owned	own	VERB
ajiss-452	154	27	a	a	DET
ajiss-452	154	28	plan	plan	NOUN
ajiss-452	154	29	.	.	PUNCT
ajiss-452	155	1	however	however	ADV
ajiss-452	155	2	,	,	PUNCT
ajiss-452	155	3	this	this	PRON
ajiss-452	155	4	was	be	AUX
ajiss-452	155	5	lower	low	ADJ
ajiss-452	155	6	as	as	SCONJ
ajiss-452	155	7	compared	compare	VERB
ajiss-452	155	8	to	to	ADP
ajiss-452	155	9	those	those	PRON
ajiss-452	155	10	who	who	PRON
ajiss-452	155	11	had	have	AUX
ajiss-452	155	12	purchased	purchase	VERB
ajiss-452	155	13	a	a	DET
ajiss-452	155	14	plan	plan	NOUN
ajiss-452	155	15	from	from	ADP
ajiss-452	155	16	tnsb	tnsb	NOUN
ajiss-452	155	17	.	.	PUNCT
ajiss-452	156	1	seventeen	seventeen	NUM
ajiss-452	156	2	(	(	PUNCT
ajiss-452	156	3	55	55	NUM
ajiss-452	156	4	percent	percent	NOUN
ajiss-452	156	5	)	)	PUNCT
ajiss-452	156	6	of	of	ADP
ajiss-452	156	7	respondents	respondent	NOUN
ajiss-452	156	8	had	have	AUX
ajiss-452	156	9	used	use	VERB
ajiss-452	156	10	tnsb	tnsb	NOUN
ajiss-452	156	11	agents	agent	NOUN
ajiss-452	156	12	to	to	PART
ajiss-452	156	13	purchase	purchase	VERB
ajiss-452	156	14	the	the	DET
ajiss-452	156	15	plans	plan	NOUN
ajiss-452	156	16	.	.	PUNCT
ajiss-452	157	1	kaed	kaed	PROPN
ajiss-452	157	2	lecturers	lecturer	NOUN
ajiss-452	157	3	were	be	AUX
ajiss-452	157	4	the	the	DET
ajiss-452	157	5	ones	one	NOUN
ajiss-452	157	6	who	who	PRON
ajiss-452	157	7	had	have	VERB
ajiss-452	157	8	the	the	DET
ajiss-452	157	9	most	most	ADJ
ajiss-452	157	10	dealings	dealing	NOUN
ajiss-452	157	11	with	with	ADP
ajiss-452	157	12	agents	agent	NOUN
ajiss-452	157	13	.	.	PUNCT
ajiss-452	158	1	this	this	DET
ajiss-452	158	2	result	result	NOUN
ajiss-452	158	3	shows	show	VERB
ajiss-452	158	4	that	that	SCONJ
ajiss-452	158	5	a	a	DET
ajiss-452	158	6	majority	majority	NOUN
ajiss-452	158	7	of	of	ADP
ajiss-452	158	8	takaful	takaful	ADJ
ajiss-452	158	9	owners	owner	NOUN
ajiss-452	158	10	chose	choose	VERB
ajiss-452	158	11	agents	agent	NOUN
ajiss-452	158	12	as	as	ADP
ajiss-452	158	13	their	their	PRON
ajiss-452	158	14	preferred	preferred	ADJ
ajiss-452	158	15	channel	channel	NOUN
ajiss-452	158	16	in	in	ADP
ajiss-452	158	17	purchasing	purchase	VERB
ajiss-452	158	18	takaful	takaful	ADJ
ajiss-452	158	19	plans	plan	NOUN
ajiss-452	158	20	,	,	PUNCT
ajiss-452	158	21	and	and	CCONJ
ajiss-452	158	22	also	also	ADV
ajiss-452	158	23	indicates	indicate	VERB
ajiss-452	158	24	the	the	DET
ajiss-452	158	25	agents	agent	NOUN
ajiss-452	158	26	’	'	PUNCT
ajiss-452	158	27	ability	ability	NOUN
ajiss-452	158	28	to	to	PART
ajiss-452	158	29	help	help	VERB
ajiss-452	158	30	the	the	DET
ajiss-452	158	31	company	company	NOUN
ajiss-452	158	32	to	to	PART
ajiss-452	158	33	improve	improve	VERB
ajiss-452	158	34	its	its	PRON
ajiss-452	158	35	performance	performance	NOUN
ajiss-452	158	36	.	.	PUNCT
ajiss-452	159	1	through	through	ADP
ajiss-452	159	2	the	the	DET
ajiss-452	159	3	sale	sale	NOUN
ajiss-452	159	4	agents	agent	NOUN
ajiss-452	159	5	’	'	PUNCT
ajiss-452	159	6	mobility	mobility	NOUN
ajiss-452	159	7	and	and	CCONJ
ajiss-452	159	8	proximity	proximity	NOUN
ajiss-452	159	9	to	to	ADP
ajiss-452	159	10	the	the	DET
ajiss-452	159	11	public	public	NOUN
ajiss-452	159	12	,	,	PUNCT
ajiss-452	159	13	their	their	PRON
ajiss-452	159	14	level	level	NOUN
ajiss-452	159	15	of	of	ADP
ajiss-452	159	16	penetration	penetration	NOUN
ajiss-452	159	17	into	into	ADP
ajiss-452	159	18	various	various	ADJ
ajiss-452	159	19	segments	segment	NOUN
ajiss-452	159	20	of	of	ADP
ajiss-452	159	21	the	the	DET
ajiss-452	159	22	public	public	NOUN
ajiss-452	159	23	will	will	AUX
ajiss-452	159	24	be	be	AUX
ajiss-452	159	25	high	high	ADJ
ajiss-452	159	26	.	.	PUNCT
ajiss-452	160	1	also	also	ADV
ajiss-452	160	2	,	,	PUNCT
ajiss-452	160	3	due	due	ADP
ajiss-452	160	4	to	to	ADP
ajiss-452	160	5	their	their	PRON
ajiss-452	160	6	direct	direct	ADJ
ajiss-452	160	7	contact	contact	NOUN
ajiss-452	160	8	with	with	ADP
ajiss-452	160	9	the	the	DET
ajiss-452	160	10	public	public	NOUN
ajiss-452	160	11	,	,	PUNCT
ajiss-452	160	12	they	they	PRON
ajiss-452	160	13	are	be	AUX
ajiss-452	160	14	more	more	ADV
ajiss-452	160	15	aware	aware	ADJ
ajiss-452	160	16	of	of	ADP
ajiss-452	160	17	public	public	ADJ
ajiss-452	160	18	perceptions	perception	NOUN
ajiss-452	160	19	and	and	CCONJ
ajiss-452	160	20	expectations	expectation	NOUN
ajiss-452	160	21	,	,	PUNCT
ajiss-452	160	22	a	a	DET
ajiss-452	160	23	fact	fact	NOUN
ajiss-452	160	24	that	that	PRON
ajiss-452	160	25	enables	enable	VERB
ajiss-452	160	26	them	they	PRON
ajiss-452	160	27	to	to	PART
ajiss-452	160	28	react	react	VERB
ajiss-452	160	29	to	to	ADP
ajiss-452	160	30	changes	change	NOUN
ajiss-452	160	31	in	in	ADP
ajiss-452	160	32	the	the	DET
ajiss-452	160	33	environment	environment	NOUN
ajiss-452	160	34	and	and	CCONJ
ajiss-452	160	35	relay	relay	VERB
ajiss-452	160	36	vital	vital	ADJ
ajiss-452	160	37	feedback	feedback	NOUN
ajiss-452	160	38	to	to	ADP
ajiss-452	160	39	the	the	DET
ajiss-452	160	40	company	company	NOUN
ajiss-452	160	41	.	.	PUNCT
ajiss-452	161	1	through	through	ADP
ajiss-452	161	2	regular	regular	ADJ
ajiss-452	161	3	and	and	CCONJ
ajiss-452	161	4	decisive	decisive	ADJ
ajiss-452	161	5	training,30	training,30	PROPN
ajiss-452	161	6	agents	agent	NOUN
ajiss-452	161	7	can	can	AUX
ajiss-452	161	8	only	only	ADV
ajiss-452	161	9	get	get	VERB
ajiss-452	161	10	better	well	ADJ
ajiss-452	161	11	at	at	ADP
ajiss-452	161	12	discharging	discharge	VERB
ajiss-452	161	13	their	their	PRON
ajiss-452	161	14	duties	duty	NOUN
ajiss-452	161	15	,	,	PUNCT
ajiss-452	161	16	maintaining	maintain	VERB
ajiss-452	161	17	or	or	CCONJ
ajiss-452	161	18	even	even	ADV
ajiss-452	161	19	exceeding	exceed	VERB
ajiss-452	161	20	their	their	PRON
ajiss-452	161	21	quality	quality	NOUN
ajiss-452	161	22	of	of	ADP
ajiss-452	161	23	service	service	NOUN
ajiss-452	161	24	,	,	PUNCT
ajiss-452	161	25	and	and	CCONJ
ajiss-452	161	26	,	,	PUNCT
ajiss-452	161	27	consequently	consequently	ADV
ajiss-452	161	28	,	,	PUNCT
ajiss-452	161	29	raising	raise	VERB
ajiss-452	161	30	the	the	DET
ajiss-452	161	31	company	company	NOUN
ajiss-452	161	32	’s	’s	PART
ajiss-452	161	33	image	image	NOUN
ajiss-452	161	34	to	to	ADP
ajiss-452	161	35	new	new	ADJ
ajiss-452	161	36	and	and	CCONJ
ajiss-452	161	37	greater	great	ADJ
ajiss-452	161	38	heights	height	NOUN
ajiss-452	161	39	.	.	PUNCT
ajiss-452	162	1	question	question	NOUN
ajiss-452	162	2	1	1	NUM
ajiss-452	162	3	revealed	reveal	VERB
ajiss-452	162	4	that	that	SCONJ
ajiss-452	162	5	there	there	PRON
ajiss-452	162	6	is	be	VERB
ajiss-452	162	7	a	a	DET
ajiss-452	162	8	large	large	ADJ
ajiss-452	162	9	potential	potential	NOUN
ajiss-452	162	10	in	in	ADP
ajiss-452	162	11	expanding	expand	VERB
ajiss-452	162	12	the	the	DET
ajiss-452	162	13	takaful	takaful	ADJ
ajiss-452	162	14	market	market	NOUN
ajiss-452	162	15	.	.	PUNCT
ajiss-452	163	1	this	this	DET
ajiss-452	163	2	expansion	expansion	NOUN
ajiss-452	163	3	will	will	AUX
ajiss-452	163	4	effectively	effectively	ADV
ajiss-452	163	5	be	be	AUX
ajiss-452	163	6	brought	bring	VERB
ajiss-452	163	7	about	about	ADP
ajiss-452	163	8	through	through	ADP
ajiss-452	163	9	the	the	DET
ajiss-452	163	10	use	use	NOUN
ajiss-452	163	11	of	of	ADP
ajiss-452	163	12	sales	sale	NOUN
ajiss-452	163	13	agents	agent	NOUN
ajiss-452	163	14	.	.	PUNCT
ajiss-452	164	1	table	table	NOUN
ajiss-452	164	2	4	4	NUM
ajiss-452	164	3	.	.	X
ajiss-452	164	4	question	question	NOUN
ajiss-452	164	5	4	4	NUM
ajiss-452	164	6	:	:	PUNCT
ajiss-452	164	7	would	would	AUX
ajiss-452	164	8	you	you	PRON
ajiss-452	164	9	like	like	VERB
ajiss-452	164	10	to	to	PART
ajiss-452	164	11	purchase	purchase	VERB
ajiss-452	164	12	takaful	takaful	ADJ
ajiss-452	164	13	plans	plan	NOUN
ajiss-452	164	14	for	for	ADP
ajiss-452	164	15	people	people	NOUN
ajiss-452	164	16	who	who	PRON
ajiss-452	164	17	do	do	AUX
ajiss-452	164	18	not	not	PART
ajiss-452	164	19	yet	yet	ADV
ajiss-452	164	20	own	own	VERB
ajiss-452	164	21	one	one	NUM
ajiss-452	164	22	,	,	PUNCT
ajiss-452	164	23	and	and	CCONJ
ajiss-452	164	24	other	other	ADJ
ajiss-452	164	25	plan(s	plan(s	NOUN
ajiss-452	164	26	)	)	PUNCT
ajiss-452	164	27	for	for	ADP
ajiss-452	164	28	those	those	PRON
ajiss-452	164	29	who	who	PRON
ajiss-452	164	30	already	already	ADV
ajiss-452	164	31	own	own	VERB
ajiss-452	164	32	one	one	NUM
ajiss-452	164	33	?	?	PUNCT
ajiss-452	165	1	40	40	NUM
ajiss-452	166	1	the	the	DET
ajiss-452	166	2	american	american	PROPN
ajiss-452	166	3	journal	journal	PROPN
ajiss-452	166	4	of	of	ADP
ajiss-452	166	5	islamic	islamic	ADJ
ajiss-452	166	6	social	social	PROPN
ajiss-452	166	7	sciences	science	NOUN
ajiss-452	166	8	22:1	22:1	NUM
ajiss-452	166	9	the	the	DET
ajiss-452	166	10	response	response	NOUN
ajiss-452	166	11	to	to	ADP
ajiss-452	166	12	this	this	DET
ajiss-452	166	13	question	question	NOUN
ajiss-452	166	14	was	be	AUX
ajiss-452	166	15	overwhelmingly	overwhelmingly	ADV
ajiss-452	166	16	positive	positive	ADJ
ajiss-452	166	17	.	.	PUNCT
ajiss-452	167	1	fortyeight	fortyeight	ADJ
ajiss-452	167	2	respondents	respondent	NOUN
ajiss-452	167	3	(	(	PUNCT
ajiss-452	167	4	74	74	NUM
ajiss-452	167	5	percent	percent	NOUN
ajiss-452	167	6	)	)	PUNCT
ajiss-452	167	7	would	would	AUX
ajiss-452	167	8	like	like	VERB
ajiss-452	167	9	either	either	ADV
ajiss-452	167	10	to	to	PART
ajiss-452	167	11	add	add	VERB
ajiss-452	167	12	new	new	ADJ
ajiss-452	167	13	plans	plan	NOUN
ajiss-452	167	14	to	to	ADP
ajiss-452	167	15	the	the	DET
ajiss-452	167	16	plan(s	plan(s	NOUN
ajiss-452	167	17	)	)	PUNCT
ajiss-452	167	18	they	they	PRON
ajiss-452	167	19	already	already	ADV
ajiss-452	167	20	own	own	VERB
ajiss-452	167	21	,	,	PUNCT
ajiss-452	167	22	or	or	CCONJ
ajiss-452	167	23	purchase	purchase	VERB
ajiss-452	167	24	a	a	DET
ajiss-452	167	25	plan	plan	NOUN
ajiss-452	167	26	for	for	ADP
ajiss-452	167	27	the	the	DET
ajiss-452	167	28	first	first	ADJ
ajiss-452	167	29	time	time	NOUN
ajiss-452	167	30	.	.	PUNCT
ajiss-452	168	1	individually	individually	ADV
ajiss-452	168	2	,	,	PUNCT
ajiss-452	168	3	law	law	NOUN
ajiss-452	168	4	recorded	record	VERB
ajiss-452	168	5	the	the	DET
ajiss-452	168	6	lowest	low	ADJ
ajiss-452	168	7	number	number	NOUN
ajiss-452	168	8	of	of	ADP
ajiss-452	168	9	respondents	respondent	NOUN
ajiss-452	168	10	who	who	PRON
ajiss-452	168	11	would	would	AUX
ajiss-452	168	12	like	like	VERB
ajiss-452	168	13	to	to	PART
ajiss-452	168	14	purchase	purchase	VERB
ajiss-452	168	15	a	a	DET
ajiss-452	168	16	plan	plan	NOUN
ajiss-452	168	17	.	.	PUNCT
ajiss-452	169	1	ems	ems	PROPN
ajiss-452	169	2	and	and	CCONJ
ajiss-452	169	3	irkhs	irkh	NOUN
ajiss-452	169	4	both	both	PRON
ajiss-452	169	5	had	have	VERB
ajiss-452	169	6	a	a	DET
ajiss-452	169	7	favorable	favorable	ADJ
ajiss-452	169	8	response	response	NOUN
ajiss-452	169	9	of	of	ADP
ajiss-452	169	10	over	over	ADP
ajiss-452	169	11	90	90	NUM
ajiss-452	169	12	percent	percent	NOUN
ajiss-452	169	13	.	.	PUNCT
ajiss-452	170	1	engine	engine	NOUN
ajiss-452	170	2	,	,	PUNCT
ajiss-452	170	3	with	with	ADP
ajiss-452	170	4	its	its	PRON
ajiss-452	170	5	2	2	NUM
ajiss-452	170	6	respondents	respondent	NOUN
ajiss-452	170	7	,	,	PUNCT
ajiss-452	170	8	both	both	PRON
ajiss-452	170	9	of	of	ADP
ajiss-452	170	10	whom	whom	PRON
ajiss-452	170	11	wanted	want	VERB
ajiss-452	170	12	to	to	PART
ajiss-452	170	13	add	add	VERB
ajiss-452	170	14	to	to	ADP
ajiss-452	170	15	the	the	DET
ajiss-452	170	16	plans	plan	NOUN
ajiss-452	170	17	they	they	PRON
ajiss-452	170	18	already	already	ADV
ajiss-452	170	19	owned	own	VERB
ajiss-452	170	20	,	,	PUNCT
ajiss-452	170	21	had	have	VERB
ajiss-452	170	22	a	a	DET
ajiss-452	170	23	100	100	NUM
ajiss-452	170	24	percent	percent	NOUN
ajiss-452	170	25	favorable	favorable	ADJ
ajiss-452	170	26	response	response	NOUN
ajiss-452	170	27	.	.	PUNCT
ajiss-452	171	1	again	again	ADV
ajiss-452	171	2	the	the	DET
ajiss-452	171	3	result	result	NOUN
ajiss-452	171	4	here	here	ADV
ajiss-452	171	5	points	point	VERB
ajiss-452	171	6	to	to	ADP
ajiss-452	171	7	the	the	DET
ajiss-452	171	8	fact	fact	NOUN
ajiss-452	171	9	that	that	SCONJ
ajiss-452	171	10	takaful	takaful	NOUN
ajiss-452	171	11	has	have	AUX
ajiss-452	171	12	been	be	AUX
ajiss-452	171	13	well	well	ADV
ajiss-452	171	14	received	receive	VERB
ajiss-452	171	15	and	and	CCONJ
ajiss-452	171	16	accepted	accept	VERB
ajiss-452	171	17	by	by	ADP
ajiss-452	171	18	the	the	DET
ajiss-452	171	19	participating	participate	VERB
ajiss-452	171	20	muslim	muslim	ADJ
ajiss-452	171	21	lecturers	lecturer	NOUN
ajiss-452	171	22	as	as	ADP
ajiss-452	171	23	the	the	DET
ajiss-452	171	24	alternative	alternative	NOUN
ajiss-452	171	25	to	to	ADP
ajiss-452	171	26	conventional	conventional	ADJ
ajiss-452	171	27	insurance	insurance	NOUN
ajiss-452	171	28	policies	policy	NOUN
ajiss-452	171	29	and	and	CCONJ
ajiss-452	171	30	as	as	ADP
ajiss-452	171	31	a	a	DET
ajiss-452	171	32	means	means	NOUN
ajiss-452	171	33	to	to	PART
ajiss-452	171	34	satisfy	satisfy	VERB
ajiss-452	171	35	their	their	PRON
ajiss-452	171	36	coverage	coverage	NOUN
ajiss-452	171	37	needs	need	NOUN
ajiss-452	171	38	.	.	PUNCT
ajiss-452	172	1	table	table	NOUN
ajiss-452	172	2	5	5	NUM
ajiss-452	172	3	.	.	PUNCT
ajiss-452	172	4	question	question	NOUN
ajiss-452	172	5	5	5	NUM
ajiss-452	172	6	:	:	PUNCT
ajiss-452	172	7	would	would	AUX
ajiss-452	172	8	you	you	PRON
ajiss-452	172	9	like	like	VERB
ajiss-452	172	10	to	to	PART
ajiss-452	172	11	purchase	purchase	VERB
ajiss-452	172	12	the	the	DET
ajiss-452	172	13	plans	plan	NOUN
ajiss-452	172	14	from	from	ADP
ajiss-452	172	15	an	an	DET
ajiss-452	172	16	agent	agent	NOUN
ajiss-452	172	17	instead	instead	ADV
ajiss-452	172	18	of	of	ADP
ajiss-452	172	19	personally	personally	ADV
ajiss-452	172	20	going	go	VERB
ajiss-452	172	21	to	to	ADP
ajiss-452	172	22	the	the	DET
ajiss-452	172	23	counters	counter	NOUN
ajiss-452	172	24	?	?	PUNCT
ajiss-452	173	1	respondents	respondent	NOUN
ajiss-452	173	2	were	be	AUX
ajiss-452	173	3	asked	ask	VERB
ajiss-452	173	4	if	if	SCONJ
ajiss-452	173	5	they	they	PRON
ajiss-452	173	6	would	would	AUX
ajiss-452	173	7	like	like	VERB
ajiss-452	173	8	to	to	PART
ajiss-452	173	9	personally	personally	ADV
ajiss-452	173	10	use	use	VERB
ajiss-452	173	11	the	the	DET
ajiss-452	173	12	agents	agent	NOUN
ajiss-452	173	13	’	'	PUNCT
ajiss-452	173	14	assistance	assistance	NOUN
ajiss-452	173	15	in	in	ADP
ajiss-452	173	16	purchasing	purchase	VERB
ajiss-452	173	17	takaful	takaful	ADJ
ajiss-452	173	18	plans	plan	NOUN
ajiss-452	173	19	.	.	PUNCT
ajiss-452	174	1	this	this	DET
ajiss-452	174	2	question	question	NOUN
ajiss-452	174	3	was	be	AUX
ajiss-452	174	4	also	also	ADV
ajiss-452	174	5	asked	ask	VERB
ajiss-452	174	6	to	to	ADP
ajiss-452	174	7	those	those	DET
ajiss-452	174	8	respondents	respondent	NOUN
ajiss-452	174	9	who	who	PRON
ajiss-452	174	10	had	have	AUX
ajiss-452	174	11	indicated	indicate	VERB
ajiss-452	174	12	that	that	SCONJ
ajiss-452	174	13	they	they	PRON
ajiss-452	174	14	did	do	AUX
ajiss-452	174	15	not	not	PART
ajiss-452	174	16	want	want	VERB
ajiss-452	174	17	to	to	PART
ajiss-452	174	18	purchase	purchase	VERB
ajiss-452	174	19	any	any	DET
ajiss-452	174	20	plans	plan	NOUN
ajiss-452	174	21	(	(	PUNCT
ajiss-452	174	22	i.e.	i.e.	X
ajiss-452	174	23	,	,	PUNCT
ajiss-452	174	24	the	the	DET
ajiss-452	174	25	17	17	NUM
ajiss-452	174	26	respondents	respondent	NOUN
ajiss-452	174	27	from	from	ADP
ajiss-452	174	28	question	question	NOUN
ajiss-452	174	29	4	4	NUM
ajiss-452	174	30	)	)	PUNCT
ajiss-452	174	31	,	,	PUNCT
ajiss-452	174	32	in	in	ADP
ajiss-452	174	33	order	order	NOUN
ajiss-452	174	34	to	to	PART
ajiss-452	174	35	get	get	VERB
ajiss-452	174	36	the	the	DET
ajiss-452	174	37	overall	overall	ADJ
ajiss-452	174	38	perception	perception	NOUN
ajiss-452	174	39	to	to	ADP
ajiss-452	174	40	this	this	DET
ajiss-452	174	41	question	question	NOUN
ajiss-452	174	42	.	.	PUNCT
ajiss-452	175	1	consistent	consistent	ADJ
ajiss-452	175	2	with	with	ADP
ajiss-452	175	3	their	their	PRON
ajiss-452	175	4	stand	stand	NOUN
ajiss-452	175	5	of	of	ADP
ajiss-452	175	6	not	not	PART
ajiss-452	175	7	wanting	want	VERB
ajiss-452	175	8	to	to	PART
ajiss-452	175	9	purchase	purchase	VERB
ajiss-452	175	10	,	,	PUNCT
ajiss-452	175	11	all	all	DET
ajiss-452	175	12	17	17	NUM
ajiss-452	175	13	indicated	indicate	VERB
ajiss-452	175	14	that	that	SCONJ
ajiss-452	175	15	they	they	PRON
ajiss-452	175	16	would	would	AUX
ajiss-452	175	17	not	not	PART
ajiss-452	175	18	use	use	VERB
ajiss-452	175	19	agents	agent	NOUN
ajiss-452	175	20	.	.	PUNCT
ajiss-452	176	1	going	go	VERB
ajiss-452	176	2	back	back	ADV
ajiss-452	176	3	to	to	ADP
ajiss-452	176	4	table	table	NOUN
ajiss-452	176	5	5	5	NUM
ajiss-452	176	6	,	,	PUNCT
ajiss-452	176	7	there	there	PRON
ajiss-452	176	8	were	be	VERB
ajiss-452	176	9	more	more	ADJ
ajiss-452	176	10	respondents	respondent	NOUN
ajiss-452	176	11	who	who	PRON
ajiss-452	176	12	want	want	VERB
ajiss-452	176	13	to	to	PART
ajiss-452	176	14	use	use	VERB
ajiss-452	176	15	agents	agent	NOUN
ajiss-452	176	16	(	(	PUNCT
ajiss-452	176	17	37	37	NUM
ajiss-452	177	1	[	[	SYM
ajiss-452	177	2	57	57	NUM
ajiss-452	177	3	percent	percent	NOUN
ajiss-452	177	4	]	]	PUNCT
ajiss-452	177	5	)	)	PUNCT
ajiss-452	177	6	as	as	SCONJ
ajiss-452	177	7	compared	compare	VERB
ajiss-452	177	8	to	to	ADP
ajiss-452	177	9	those	those	PRON
ajiss-452	177	10	who	who	PRON
ajiss-452	177	11	do	do	AUX
ajiss-452	177	12	not	not	PART
ajiss-452	177	13	want	want	VERB
ajiss-452	177	14	to	to	PART
ajiss-452	177	15	(	(	PUNCT
ajiss-452	177	16	28	28	NUM
ajiss-452	177	17	[	[	SYM
ajiss-452	177	18	43	43	NUM
ajiss-452	177	19	percent	percent	NOUN
ajiss-452	177	20	]	]	PUNCT
ajiss-452	177	21	)	)	PUNCT
ajiss-452	177	22	.	.	PUNCT
ajiss-452	178	1	more	more	ADJ
ajiss-452	178	2	of	of	ADP
ajiss-452	178	3	the	the	DET
ajiss-452	178	4	law	law	NOUN
ajiss-452	178	5	and	and	CCONJ
ajiss-452	178	6	educ	educ	VERB
ajiss-452	178	7	respondents	respondent	NOUN
ajiss-452	178	8	preferred	prefer	VERB
ajiss-452	178	9	to	to	PART
ajiss-452	178	10	go	go	VERB
ajiss-452	178	11	to	to	ADP
ajiss-452	178	12	the	the	DET
ajiss-452	178	13	counters	counter	NOUN
ajiss-452	178	14	themselves	themselves	PRON
ajiss-452	178	15	,	,	PUNCT
ajiss-452	178	16	while	while	SCONJ
ajiss-452	178	17	kaed	kaed	NOUN
ajiss-452	178	18	recorded	record	VERB
ajiss-452	178	19	split	split	NOUN
ajiss-452	178	20	preferences	preference	NOUN
ajiss-452	178	21	.	.	PUNCT
ajiss-452	179	1	of	of	ADP
ajiss-452	179	2	the	the	DET
ajiss-452	179	3	remaining	remain	VERB
ajiss-452	179	4	kulliyah	kulliyah	NOUN
ajiss-452	179	5	whose	whose	DET
ajiss-452	179	6	respondents	respondent	NOUN
ajiss-452	179	7	would	would	AUX
ajiss-452	179	8	like	like	VERB
ajiss-452	179	9	to	to	PART
ajiss-452	179	10	use	use	VERB
ajiss-452	179	11	agents	agent	NOUN
ajiss-452	179	12	,	,	PUNCT
ajiss-452	179	13	irkhs	irkh	NOUN
ajiss-452	179	14	recorded	record	VERB
ajiss-452	179	15	the	the	DET
ajiss-452	179	16	highest	high	ADJ
ajiss-452	179	17	of	of	ADP
ajiss-452	179	18	numbers	number	NOUN
ajiss-452	179	19	;	;	PUNCT
ajiss-452	179	20	engine	engine	NOUN
ajiss-452	179	21	,	,	PUNCT
ajiss-452	179	22	through	through	ADP
ajiss-452	179	23	its	its	PRON
ajiss-452	179	24	2	2	NUM
ajiss-452	179	25	respondents	respondent	NOUN
ajiss-452	179	26	,	,	PUNCT
ajiss-452	179	27	recorded	record	VERB
ajiss-452	179	28	the	the	DET
ajiss-452	179	29	highest	high	ADJ
ajiss-452	179	30	percentage	percentage	NOUN
ajiss-452	179	31	.	.	PUNCT
ajiss-452	180	1	now	now	ADV
ajiss-452	180	2	,	,	PUNCT
ajiss-452	180	3	if	if	SCONJ
ajiss-452	180	4	the	the	DET
ajiss-452	180	5	17	17	NUM
ajiss-452	180	6	respondents	respondent	NOUN
ajiss-452	180	7	who	who	PRON
ajiss-452	180	8	had	have	AUX
ajiss-452	180	9	decided	decide	VERB
ajiss-452	180	10	not	not	PART
ajiss-452	180	11	to	to	PART
ajiss-452	180	12	purchase	purchase	VERB
ajiss-452	180	13	and	and	CCONJ
ajiss-452	180	14	not	not	PART
ajiss-452	180	15	to	to	PART
ajiss-452	180	16	use	use	VERB
ajiss-452	180	17	agents	agent	NOUN
ajiss-452	180	18	were	be	AUX
ajiss-452	180	19	removed	remove	VERB
ajiss-452	180	20	from	from	ADP
ajiss-452	180	21	the	the	DET
ajiss-452	180	22	equation	equation	NOUN
ajiss-452	180	23	,	,	PUNCT
ajiss-452	180	24	only	only	ADV
ajiss-452	180	25	11	11	NUM
ajiss-452	180	26	respondents	respondent	NOUN
ajiss-452	180	27	would	would	AUX
ajiss-452	180	28	want	want	VERB
ajiss-452	180	29	to	to	PART
ajiss-452	180	30	purchase	purchase	VERB
ajiss-452	180	31	plans	plan	NOUN
ajiss-452	180	32	,	,	PUNCT
ajiss-452	180	33	but	but	CCONJ
ajiss-452	180	34	not	not	PART
ajiss-452	180	35	through	through	ADP
ajiss-452	180	36	agents	agent	NOUN
ajiss-452	180	37	.	.	PUNCT
ajiss-452	181	1	this	this	PRON
ajiss-452	181	2	would	would	AUX
ajiss-452	181	3	give	give	VERB
ajiss-452	181	4	a	a	DET
ajiss-452	181	5	new	new	ADJ
ajiss-452	181	6	percentage	percentage	NOUN
ajiss-452	181	7	distribution	distribution	NOUN
ajiss-452	181	8	of	of	ADP
ajiss-452	181	9	37	37	NUM
ajiss-452	181	10	(	(	PUNCT
ajiss-452	181	11	77	77	NUM
ajiss-452	181	12	percent	percent	NOUN
ajiss-452	181	13	)	)	PUNCT
ajiss-452	181	14	for	for	ADP
ajiss-452	181	15	those	those	DET
ajiss-452	181	16	preferring	prefer	VERB
ajiss-452	181	17	agents	agent	NOUN
ajiss-452	181	18	,	,	PUNCT
ajiss-452	181	19	and	and	CCONJ
ajiss-452	181	20	only	only	ADV
ajiss-452	181	21	11	11	NUM
ajiss-452	181	22	(	(	PUNCT
ajiss-452	181	23	23	23	NUM
ajiss-452	181	24	percent	percent	NOUN
ajiss-452	181	25	)	)	PUNCT
ajiss-452	181	26	for	for	ADP
ajiss-452	181	27	those	those	PRON
ajiss-452	181	28	preferring	prefer	VERB
ajiss-452	181	29	to	to	PART
ajiss-452	181	30	go	go	VERB
ajiss-452	181	31	directly	directly	ADV
ajiss-452	181	32	to	to	ADP
ajiss-452	181	33	the	the	DET
ajiss-452	181	34	counters	counter	NOUN
ajiss-452	181	35	.	.	PUNCT
ajiss-452	182	1	this	this	DET
ajiss-452	182	2	result	result	NOUN
ajiss-452	182	3	confirms	confirm	VERB
ajiss-452	182	4	the	the	DET
ajiss-452	182	5	fact	fact	NOUN
ajiss-452	182	6	that	that	SCONJ
ajiss-452	182	7	the	the	DET
ajiss-452	182	8	agency	agency	NOUN
ajiss-452	182	9	system	system	NOUN
ajiss-452	182	10	is	be	AUX
ajiss-452	182	11	the	the	DET
ajiss-452	182	12	customers	customer	NOUN
ajiss-452	182	13	’	’	PART
ajiss-452	182	14	most	most	ADV
ajiss-452	182	15	preferred	preferred	ADJ
ajiss-452	182	16	channel	channel	NOUN
ajiss-452	182	17	in	in	ADP
ajiss-452	182	18	dealing	deal	VERB
ajiss-452	182	19	with	with	ADP
ajiss-452	182	20	a	a	DET
ajiss-452	182	21	takaful	takaful	ADJ
ajiss-452	182	22	company	company	NOUN
ajiss-452	182	23	.	.	PUNCT
ajiss-452	183	1	with	with	ADP
ajiss-452	183	2	that	that	PRON
ajiss-452	183	3	,	,	PUNCT
ajiss-452	183	4	the	the	DET
ajiss-452	183	5	results	result	NOUN
ajiss-452	183	6	of	of	ADP
ajiss-452	183	7	the	the	DET
ajiss-452	183	8	survey	survey	NOUN
ajiss-452	183	9	’s	’s	PART
ajiss-452	183	10	5	5	NUM
ajiss-452	183	11	basic	basic	ADJ
ajiss-452	183	12	questions	question	NOUN
ajiss-452	183	13	have	have	AUX
ajiss-452	183	14	been	be	AUX
ajiss-452	183	15	presented	present	VERB
ajiss-452	183	16	.	.	PUNCT
ajiss-452	184	1	from	from	ADP
ajiss-452	184	2	these	these	PRON
ajiss-452	184	3	,	,	PUNCT
ajiss-452	184	4	the	the	DET
ajiss-452	184	5	impact	impact	NOUN
ajiss-452	184	6	of	of	ADP
ajiss-452	184	7	agents	agent	NOUN
ajiss-452	184	8	and	and	CCONJ
ajiss-452	184	9	al	al	PROPN
ajiss-452	184	10	-	-	PUNCT
ajiss-452	184	11	wakalah	wakalah	PROPN
ajiss-452	184	12	can	can	AUX
ajiss-452	184	13	be	be	AUX
ajiss-452	184	14	evaluated	evaluate	VERB
ajiss-452	184	15	further	far	ADV
ajiss-452	184	16	by	by	ADP
ajiss-452	184	17	deducing	deduce	VERB
ajiss-452	184	18	additional	additional	ADJ
ajiss-452	184	19	results	result	NOUN
ajiss-452	184	20	through	through	ADP
ajiss-452	184	21	combining	combine	VERB
ajiss-452	184	22	some	some	PRON
ajiss-452	184	23	of	of	ADP
ajiss-452	184	24	the	the	DET
ajiss-452	184	25	basic	basic	ADJ
ajiss-452	184	26	questions	question	NOUN
ajiss-452	184	27	given	give	VERB
ajiss-452	184	28	above	above	ADV
ajiss-452	184	29	.	.	PUNCT
ajiss-452	185	1	although	although	SCONJ
ajiss-452	185	2	many	many	ADJ
ajiss-452	185	3	results	result	NOUN
ajiss-452	185	4	could	could	AUX
ajiss-452	185	5	be	be	AUX
ajiss-452	185	6	deduced	deduce	VERB
ajiss-452	185	7	by	by	ADP
ajiss-452	185	8	using	use	VERB
ajiss-452	185	9	this	this	DET
ajiss-452	185	10	method	method	NOUN
ajiss-452	185	11	,	,	PUNCT
ajiss-452	185	12	i	i	PRON
ajiss-452	185	13	will	will	AUX
ajiss-452	185	14	present	present	VERB
ajiss-452	185	15	only	only	ADV
ajiss-452	185	16	four	four	NUM
ajiss-452	185	17	in	in	ADP
ajiss-452	185	18	this	this	DET
ajiss-452	185	19	paper	paper	NOUN
ajiss-452	185	20	.	.	PUNCT
ajiss-452	186	1	they	they	PRON
ajiss-452	186	2	are	be	AUX
ajiss-452	186	3	discussed	discuss	VERB
ajiss-452	186	4	next	next	ADV
ajiss-452	186	5	.	.	PUNCT
ajiss-452	187	1	table	table	NOUN
ajiss-452	187	2	6	6	NUM
ajiss-452	187	3	.	.	PUNCT
ajiss-452	188	1	deduced	deduce	VERB
ajiss-452	188	2	result	result	NOUN
ajiss-452	188	3	1	1	NUM
ajiss-452	188	4	:	:	PUNCT
ajiss-452	188	5	types	type	NOUN
ajiss-452	188	6	of	of	ADP
ajiss-452	188	7	takaful	takaful	ADJ
ajiss-452	188	8	plans	plan	NOUN
ajiss-452	188	9	purchased	purchase	VERB
ajiss-452	188	10	and	and	CCONJ
ajiss-452	188	11	the	the	DET
ajiss-452	188	12	channels	channel	NOUN
ajiss-452	188	13	used	use	VERB
ajiss-452	188	14	to	to	PART
ajiss-452	188	15	purchase	purchase	VERB
ajiss-452	188	16	.	.	PUNCT
ajiss-452	189	1	annuar	annuar	ADJ
ajiss-452	189	2	:	:	PUNCT
ajiss-452	190	1	al	al	PROPN
ajiss-452	190	2	-	-	PUNCT
ajiss-452	190	3	wakalah	wakalah	PROPN
ajiss-452	190	4	and	and	CCONJ
ajiss-452	190	5	customers	customer	NOUN
ajiss-452	190	6	’	’	PART
ajiss-452	190	7	preferences	preference	NOUN
ajiss-452	190	8	toward	toward	ADP
ajiss-452	190	9	it	it	PRON
ajiss-452	190	10	41	41	NUM
ajiss-452	191	1	this	this	DET
ajiss-452	191	2	question	question	NOUN
ajiss-452	191	3	combines	combine	VERB
ajiss-452	191	4	questions	question	NOUN
ajiss-452	191	5	2	2	NUM
ajiss-452	191	6	and	and	CCONJ
ajiss-452	191	7	3	3	NUM
ajiss-452	191	8	.	.	PUNCT
ajiss-452	192	1	the	the	DET
ajiss-452	192	2	total	total	ADJ
ajiss-452	192	3	number	number	NOUN
ajiss-452	192	4	of	of	ADP
ajiss-452	192	5	plans	plan	NOUN
ajiss-452	192	6	purchased	purchase	VERB
ajiss-452	192	7	was	be	AUX
ajiss-452	192	8	38	38	NUM
ajiss-452	192	9	:	:	SYM
ajiss-452	192	10	18	18	NUM
ajiss-452	192	11	purchased	purchase	VERB
ajiss-452	192	12	directly	directly	ADV
ajiss-452	192	13	from	from	ADP
ajiss-452	192	14	the	the	DET
ajiss-452	192	15	counters	counter	NOUN
ajiss-452	192	16	(	(	PUNCT
ajiss-452	192	17	47	47	NUM
ajiss-452	192	18	percent	percent	NOUN
ajiss-452	192	19	of	of	ADP
ajiss-452	192	20	all	all	DET
ajiss-452	192	21	plans	plan	NOUN
ajiss-452	192	22	purchased	purchase	VERB
ajiss-452	192	23	)	)	PUNCT
ajiss-452	192	24	,	,	PUNCT
ajiss-452	192	25	and	and	CCONJ
ajiss-452	192	26	20	20	NUM
ajiss-452	192	27	(	(	PUNCT
ajiss-452	192	28	53	53	NUM
ajiss-452	192	29	percent	percent	NOUN
ajiss-452	192	30	)	)	PUNCT
ajiss-452	192	31	purchased	purchase	VERB
ajiss-452	192	32	through	through	ADP
ajiss-452	192	33	tnsb	tnsb	NOUN
ajiss-452	192	34	agents	agent	NOUN
ajiss-452	192	35	.	.	PUNCT
ajiss-452	193	1	individually	individually	ADV
ajiss-452	193	2	,	,	PUNCT
ajiss-452	193	3	kaed	kaed	NOUN
ajiss-452	193	4	respondents	respondent	NOUN
ajiss-452	193	5	purchased	purchase	VERB
ajiss-452	193	6	more	more	ADJ
ajiss-452	193	7	plans	plan	NOUN
ajiss-452	193	8	from	from	ADP
ajiss-452	193	9	agents	agent	NOUN
ajiss-452	193	10	,	,	PUNCT
ajiss-452	193	11	while	while	SCONJ
ajiss-452	193	12	more	more	ADJ
ajiss-452	193	13	irkhs	irkh	NOUN
ajiss-452	193	14	and	and	CCONJ
ajiss-452	193	15	educ	educ	ADJ
ajiss-452	193	16	respondents	respondent	NOUN
ajiss-452	193	17	went	go	VERB
ajiss-452	193	18	to	to	ADP
ajiss-452	193	19	the	the	DET
ajiss-452	193	20	counters	counter	NOUN
ajiss-452	193	21	.	.	PUNCT
ajiss-452	194	1	overall	overall	ADV
ajiss-452	194	2	,	,	PUNCT
ajiss-452	194	3	the	the	DET
ajiss-452	194	4	owners	owner	NOUN
ajiss-452	194	5	preferred	preferred	ADJ
ajiss-452	194	6	agents	agent	NOUN
ajiss-452	194	7	.	.	PUNCT
ajiss-452	195	1	table	table	NOUN
ajiss-452	195	2	7	7	NUM
ajiss-452	195	3	.	.	PUNCT
ajiss-452	195	4	deduced	deduce	VERB
ajiss-452	195	5	result	result	NOUN
ajiss-452	195	6	2	2	NUM
ajiss-452	195	7	:	:	PUNCT
ajiss-452	195	8	respondents	respondent	NOUN
ajiss-452	195	9	already	already	ADV
ajiss-452	195	10	owning	own	VERB
ajiss-452	195	11	a	a	DET
ajiss-452	195	12	plan	plan	NOUN
ajiss-452	195	13	and	and	CCONJ
ajiss-452	195	14	who	who	PRON
ajiss-452	195	15	would	would	AUX
ajiss-452	195	16	like	like	VERB
ajiss-452	195	17	to	to	PART
ajiss-452	195	18	purchase	purchase	VERB
ajiss-452	195	19	others	other	NOUN
ajiss-452	195	20	,	,	PUNCT
ajiss-452	195	21	and	and	CCONJ
ajiss-452	195	22	their	their	PRON
ajiss-452	195	23	purchase	purchase	NOUN
ajiss-452	195	24	preference	preference	NOUN
ajiss-452	195	25	42	42	NUM
ajiss-452	195	26	the	the	DET
ajiss-452	195	27	american	american	PROPN
ajiss-452	195	28	journal	journal	PROPN
ajiss-452	195	29	of	of	ADP
ajiss-452	195	30	islamic	islamic	ADJ
ajiss-452	195	31	social	social	PROPN
ajiss-452	195	32	sciences	science	NOUN
ajiss-452	195	33	22:1	22:1	NUM
ajiss-452	195	34	this	this	DET
ajiss-452	195	35	question	question	NOUN
ajiss-452	195	36	combines	combine	VERB
ajiss-452	195	37	questions	question	NOUN
ajiss-452	195	38	1	1	NUM
ajiss-452	195	39	,	,	PUNCT
ajiss-452	195	40	3	3	NUM
ajiss-452	195	41	,	,	PUNCT
ajiss-452	195	42	4	4	NUM
ajiss-452	195	43	,	,	PUNCT
ajiss-452	195	44	and	and	CCONJ
ajiss-452	195	45	5	5	NUM
ajiss-452	195	46	.	.	NOUN
ajiss-452	195	47	out	out	ADP
ajiss-452	195	48	of	of	ADP
ajiss-452	195	49	the	the	DET
ajiss-452	195	50	30	30	NUM
ajiss-452	195	51	respondents	respondent	NOUN
ajiss-452	195	52	who	who	PRON
ajiss-452	195	53	already	already	ADV
ajiss-452	195	54	owned	own	VERB
ajiss-452	195	55	at	at	ADP
ajiss-452	195	56	least	least	ADV
ajiss-452	195	57	one	one	NUM
ajiss-452	195	58	takaful	takaful	ADJ
ajiss-452	195	59	plan	plan	NOUN
ajiss-452	195	60	,	,	PUNCT
ajiss-452	195	61	27	27	NUM
ajiss-452	195	62	would	would	AUX
ajiss-452	195	63	like	like	VERB
ajiss-452	195	64	to	to	PART
ajiss-452	195	65	add	add	VERB
ajiss-452	195	66	other	other	ADJ
ajiss-452	195	67	plans	plan	NOUN
ajiss-452	195	68	,	,	PUNCT
ajiss-452	195	69	while	while	SCONJ
ajiss-452	195	70	3	3	NUM
ajiss-452	195	71	(	(	PUNCT
ajiss-452	195	72	2	2	NUM
ajiss-452	195	73	from	from	ADP
ajiss-452	195	74	law	law	NOUN
ajiss-452	195	75	and	and	CCONJ
ajiss-452	195	76	1	1	NUM
ajiss-452	195	77	from	from	ADP
ajiss-452	195	78	educ	educ	NOUN
ajiss-452	195	79	)	)	PUNCT
ajiss-452	195	80	would	would	AUX
ajiss-452	195	81	not	not	PART
ajiss-452	195	82	.	.	PUNCT
ajiss-452	196	1	out	out	ADP
ajiss-452	196	2	of	of	ADP
ajiss-452	196	3	these	these	DET
ajiss-452	196	4	27	27	NUM
ajiss-452	196	5	respondents	respondent	NOUN
ajiss-452	196	6	,	,	PUNCT
ajiss-452	196	7	24	24	NUM
ajiss-452	196	8	(	(	PUNCT
ajiss-452	196	9	8	8	NUM
ajiss-452	196	10	percent	percent	NOUN
ajiss-452	196	11	)	)	PUNCT
ajiss-452	196	12	preferred	prefer	VERB
ajiss-452	196	13	to	to	PART
ajiss-452	196	14	use	use	VERB
ajiss-452	196	15	agents	agent	NOUN
ajiss-452	196	16	,	,	PUNCT
ajiss-452	196	17	compared	compare	VERB
ajiss-452	196	18	to	to	ADP
ajiss-452	196	19	only	only	ADV
ajiss-452	196	20	3	3	NUM
ajiss-452	196	21	(	(	PUNCT
ajiss-452	196	22	11	11	NUM
ajiss-452	196	23	percent	percent	NOUN
ajiss-452	196	24	)	)	PUNCT
ajiss-452	196	25	,	,	PUNCT
ajiss-452	196	26	who	who	PRON
ajiss-452	196	27	would	would	AUX
ajiss-452	196	28	rather	rather	ADV
ajiss-452	196	29	go	go	VERB
ajiss-452	196	30	to	to	ADP
ajiss-452	196	31	the	the	DET
ajiss-452	196	32	counters	counter	NOUN
ajiss-452	196	33	themselves	themselves	PRON
ajiss-452	196	34	.	.	PUNCT
ajiss-452	197	1	referring	refer	VERB
ajiss-452	197	2	to	to	ADP
ajiss-452	197	3	questions	question	NOUN
ajiss-452	197	4	3	3	NUM
ajiss-452	197	5	and	and	CCONJ
ajiss-452	197	6	4	4	NUM
ajiss-452	197	7	above	above	ADV
ajiss-452	197	8	,	,	PUNCT
ajiss-452	197	9	out	out	ADP
ajiss-452	197	10	of	of	ADP
ajiss-452	197	11	these	these	DET
ajiss-452	197	12	30	30	NUM
ajiss-452	197	13	respondents	respondent	NOUN
ajiss-452	197	14	,	,	PUNCT
ajiss-452	197	15	about	about	ADV
ajiss-452	197	16	45	45	NUM
ajiss-452	197	17	percent	percent	NOUN
ajiss-452	197	18	had	have	AUX
ajiss-452	197	19	purchased	purchase	VERB
ajiss-452	197	20	their	their	PRON
ajiss-452	197	21	plans	plan	NOUN
ajiss-452	197	22	from	from	ADP
ajiss-452	197	23	stmb	stmb	NOUN
ajiss-452	197	24	(	(	PUNCT
ajiss-452	197	25	i.e.	i.e.	X
ajiss-452	197	26	,	,	PUNCT
ajiss-452	197	27	at	at	ADP
ajiss-452	197	28	the	the	DET
ajiss-452	197	29	counters	counter	NOUN
ajiss-452	197	30	)	)	PUNCT
ajiss-452	197	31	,	,	PUNCT
ajiss-452	197	32	and	and	CCONJ
ajiss-452	197	33	55	55	NUM
ajiss-452	197	34	percent	percent	NOUN
ajiss-452	197	35	from	from	ADP
ajiss-452	197	36	the	the	DET
ajiss-452	197	37	tnsb	tnsb	NOUN
ajiss-452	197	38	agents	agent	NOUN
ajiss-452	197	39	.	.	PUNCT
ajiss-452	198	1	now	now	ADV
ajiss-452	198	2	in	in	ADP
ajiss-452	198	3	purchasing	purchase	VERB
ajiss-452	198	4	their	their	PRON
ajiss-452	198	5	next	next	ADJ
ajiss-452	198	6	plan	plan	NOUN
ajiss-452	198	7	,	,	PUNCT
ajiss-452	198	8	most	most	ADJ
ajiss-452	198	9	stmb	stmb	NOUN
ajiss-452	198	10	customers	customer	NOUN
ajiss-452	198	11	seemed	seem	VERB
ajiss-452	198	12	to	to	PART
ajiss-452	198	13	prefer	prefer	VERB
ajiss-452	198	14	the	the	DET
ajiss-452	198	15	agents	agent	NOUN
ajiss-452	198	16	,	,	PUNCT
ajiss-452	198	17	resulting	result	VERB
ajiss-452	198	18	in	in	ADP
ajiss-452	198	19	a	a	DET
ajiss-452	198	20	large	large	ADJ
ajiss-452	198	21	decrease	decrease	NOUN
ajiss-452	198	22	from	from	ADP
ajiss-452	198	23	45	45	NUM
ajiss-452	198	24	percent	percent	NOUN
ajiss-452	198	25	to	to	ADP
ajiss-452	198	26	11	11	NUM
ajiss-452	198	27	percent	percent	NOUN
ajiss-452	198	28	for	for	ADP
ajiss-452	198	29	stmb	stmb	NOUN
ajiss-452	198	30	.	.	PUNCT
ajiss-452	199	1	this	this	DET
ajiss-452	199	2	finding	finding	NOUN
ajiss-452	199	3	is	be	AUX
ajiss-452	199	4	illustrated	illustrate	VERB
ajiss-452	199	5	in	in	ADP
ajiss-452	199	6	table	table	NOUN
ajiss-452	199	7	8	8	NUM
ajiss-452	199	8	below	below	ADV
ajiss-452	199	9	.	.	PUNCT
ajiss-452	200	1	table	table	NOUN
ajiss-452	200	2	8	8	NUM
ajiss-452	200	3	.	.	PUNCT
ajiss-452	201	1	deduced	deduce	VERB
ajiss-452	201	2	result	result	NOUN
ajiss-452	201	3	3	3	NUM
ajiss-452	201	4	:	:	PUNCT
ajiss-452	201	5	current	current	ADJ
ajiss-452	201	6	and	and	CCONJ
ajiss-452	201	7	future	future	ADJ
ajiss-452	201	8	preferred	preferred	ADJ
ajiss-452	201	9	channel	channel	NOUN
ajiss-452	201	10	.	.	PUNCT
ajiss-452	202	1	recall	recall	VERB
ajiss-452	202	2	that	that	PRON
ajiss-452	202	3	one	one	NUM
ajiss-452	202	4	respondent	respondent	NOUN
ajiss-452	202	5	from	from	ADP
ajiss-452	202	6	law	law	NOUN
ajiss-452	202	7	had	have	AUX
ajiss-452	202	8	purchased	purchase	VERB
ajiss-452	202	9	a	a	DET
ajiss-452	202	10	policy	policy	NOUN
ajiss-452	202	11	from	from	ADP
ajiss-452	202	12	both	both	DET
ajiss-452	202	13	companies	company	NOUN
ajiss-452	202	14	.	.	PUNCT
ajiss-452	203	1	table	table	NOUN
ajiss-452	203	2	9	9	NUM
ajiss-452	203	3	,	,	PUNCT
ajiss-452	203	4	presented	present	VERB
ajiss-452	203	5	on	on	ADP
ajiss-452	203	6	the	the	DET
ajiss-452	203	7	following	follow	VERB
ajiss-452	203	8	page	page	NOUN
ajiss-452	203	9	,	,	PUNCT
ajiss-452	203	10	combines	combine	VERB
ajiss-452	203	11	questions	question	NOUN
ajiss-452	203	12	1	1	NUM
ajiss-452	203	13	,	,	PUNCT
ajiss-452	203	14	4	4	NUM
ajiss-452	203	15	,	,	PUNCT
ajiss-452	203	16	and	and	CCONJ
ajiss-452	203	17	5.thirty	5.thirty	NUM
ajiss-452	203	18	-	-	PUNCT
ajiss-452	203	19	five	five	NUM
ajiss-452	203	20	respondents	respondent	NOUN
ajiss-452	203	21	stated	state	VERB
ajiss-452	203	22	that	that	SCONJ
ajiss-452	203	23	they	they	PRON
ajiss-452	203	24	do	do	AUX
ajiss-452	203	25	not	not	PART
ajiss-452	203	26	own	own	VERB
ajiss-452	203	27	any	any	DET
ajiss-452	203	28	takaful	takaful	ADJ
ajiss-452	203	29	plans	plan	NOUN
ajiss-452	203	30	.	.	PUNCT
ajiss-452	204	1	out	out	ADP
ajiss-452	204	2	of	of	ADP
ajiss-452	204	3	this	this	PRON
ajiss-452	204	4	,	,	PUNCT
ajiss-452	204	5	21	21	NUM
ajiss-452	204	6	respondents	respondent	NOUN
ajiss-452	204	7	indicated	indicate	VERB
ajiss-452	204	8	that	that	SCONJ
ajiss-452	204	9	they	they	PRON
ajiss-452	204	10	would	would	AUX
ajiss-452	204	11	like	like	VERB
ajiss-452	204	12	to	to	PART
ajiss-452	204	13	purchase	purchase	VERB
ajiss-452	204	14	at	at	ADV
ajiss-452	204	15	least	least	ADV
ajiss-452	204	16	one	one	NUM
ajiss-452	204	17	plan	plan	NOUN
ajiss-452	204	18	,	,	PUNCT
ajiss-452	204	19	and	and	CCONJ
ajiss-452	204	20	14	14	NUM
ajiss-452	204	21	wanted	want	VERB
ajiss-452	204	22	to	to	PART
ajiss-452	204	23	remain	remain	VERB
ajiss-452	204	24	uninsured	uninsured	ADJ
ajiss-452	204	25	.	.	PUNCT
ajiss-452	205	1	again	again	ADV
ajiss-452	205	2	,	,	PUNCT
ajiss-452	205	3	the	the	DET
ajiss-452	205	4	channel	channel	NOUN
ajiss-452	205	5	most	most	ADV
ajiss-452	205	6	preferred	preferred	ADJ
ajiss-452	205	7	among	among	ADP
ajiss-452	205	8	the	the	DET
ajiss-452	205	9	21	21	NUM
ajiss-452	205	10	interested	interested	ADJ
ajiss-452	205	11	respondents	respondent	NOUN
ajiss-452	205	12	was	be	AUX
ajiss-452	205	13	the	the	DET
ajiss-452	205	14	use	use	NOUN
ajiss-452	205	15	of	of	ADP
ajiss-452	205	16	agents	agent	NOUN
ajiss-452	205	17	:	:	PUNCT
ajiss-452	205	18	62	62	NUM
ajiss-452	205	19	percent	percent	NOUN
ajiss-452	205	20	preferred	preferred	ADJ
ajiss-452	205	21	agents	agent	NOUN
ajiss-452	205	22	,	,	PUNCT
ajiss-452	205	23	as	as	SCONJ
ajiss-452	205	24	compared	compare	VERB
ajiss-452	205	25	to	to	ADP
ajiss-452	205	26	38	38	NUM
ajiss-452	205	27	percent	percent	NOUN
ajiss-452	205	28	who	who	PRON
ajiss-452	205	29	did	do	VERB
ajiss-452	205	30	not	not	PART
ajiss-452	205	31	.	.	PUNCT
ajiss-452	206	1	table	table	NOUN
ajiss-452	206	2	9	9	NUM
ajiss-452	206	3	.	.	PUNCT
ajiss-452	206	4	deduced	deduce	VERB
ajiss-452	206	5	result	result	NOUN
ajiss-452	206	6	4	4	NUM
ajiss-452	206	7	:	:	PUNCT
ajiss-452	206	8	non	non	ADJ
ajiss-452	206	9	-	-	ADJ
ajiss-452	206	10	owning	owning	ADJ
ajiss-452	206	11	respondents	respondent	NOUN
ajiss-452	206	12	who	who	PRON
ajiss-452	206	13	would	would	AUX
ajiss-452	206	14	like	like	VERB
ajiss-452	206	15	to	to	PART
ajiss-452	206	16	purchase	purchase	VERB
ajiss-452	206	17	a	a	DET
ajiss-452	206	18	plan	plan	NOUN
ajiss-452	206	19	,	,	PUNCT
ajiss-452	206	20	and	and	CCONJ
ajiss-452	206	21	their	their	PRON
ajiss-452	206	22	purchasing	purchasing	NOUN
ajiss-452	206	23	preferences	preference	NOUN
ajiss-452	206	24	.	.	PUNCT
ajiss-452	207	1	the	the	DET
ajiss-452	207	2	survey	survey	NOUN
ajiss-452	207	3	’s	’s	PART
ajiss-452	207	4	results	result	NOUN
ajiss-452	207	5	conclusively	conclusively	ADV
ajiss-452	207	6	show	show	VERB
ajiss-452	207	7	that	that	SCONJ
ajiss-452	207	8	iium	iium	NOUN
ajiss-452	207	9	malaysian	malaysian	ADJ
ajiss-452	207	10	muslim	muslim	PROPN
ajiss-452	207	11	lecturers	lecturers	PROPN
ajiss-452	207	12	’	’	PART
ajiss-452	207	13	current	current	ADJ
ajiss-452	207	14	and	and	CCONJ
ajiss-452	207	15	potential	potential	ADJ
ajiss-452	207	16	takaful	takaful	ADJ
ajiss-452	207	17	participants	participant	NOUN
ajiss-452	207	18	prefer	prefer	VERB
ajiss-452	207	19	to	to	PART
ajiss-452	207	20	use	use	VERB
ajiss-452	207	21	agents	agent	NOUN
ajiss-452	207	22	in	in	ADP
ajiss-452	207	23	their	their	PRON
ajiss-452	207	24	dealings	dealing	NOUN
ajiss-452	207	25	with	with	ADP
ajiss-452	207	26	takaful	takaful	ADJ
ajiss-452	207	27	companies	company	NOUN
ajiss-452	207	28	.	.	PUNCT
ajiss-452	208	1	all	all	PRON
ajiss-452	208	2	of	of	ADP
ajiss-452	208	3	the	the	DET
ajiss-452	208	4	results	result	NOUN
ajiss-452	208	5	derived	derive	VERB
ajiss-452	208	6	from	from	ADP
ajiss-452	208	7	questions	question	NOUN
ajiss-452	208	8	that	that	PRON
ajiss-452	208	9	exclusively	exclusively	ADV
ajiss-452	208	10	pitted	pit	VERB
ajiss-452	208	11	tnsb	tnsb	NOUN
ajiss-452	208	12	agents	agent	NOUN
ajiss-452	208	13	against	against	ADP
ajiss-452	208	14	stmb	stmb	NOUN
ajiss-452	208	15	counters	counter	NOUN
ajiss-452	208	16	(	(	PUNCT
ajiss-452	208	17	branches	branch	NOUN
ajiss-452	208	18	and	and	CCONJ
ajiss-452	208	19	takaful	takaful	ADJ
ajiss-452	208	20	desks	desk	NOUN
ajiss-452	208	21	)	)	PUNCT
ajiss-452	208	22	showed	show	VERB
ajiss-452	208	23	favorable	favorable	ADJ
ajiss-452	208	24	results	result	NOUN
ajiss-452	208	25	for	for	ADP
ajiss-452	208	26	tnsb	tnsb	NOUN
ajiss-452	208	27	by	by	ADP
ajiss-452	208	28	clearly	clearly	ADV
ajiss-452	208	29	revealing	reveal	VERB
ajiss-452	208	30	the	the	DET
ajiss-452	208	31	current	current	ADJ
ajiss-452	208	32	and	and	CCONJ
ajiss-452	208	33	potential	potential	ADJ
ajiss-452	208	34	buyers	buyer	NOUN
ajiss-452	208	35	’	'	PUNCT
ajiss-452	208	36	preferred	preferred	ADJ
ajiss-452	208	37	buying	buying	NOUN
ajiss-452	208	38	behavior	behavior	NOUN
ajiss-452	208	39	.	.	PUNCT
ajiss-452	209	1	this	this	DET
ajiss-452	209	2	sample	sample	NOUN
ajiss-452	209	3	represents	represent	VERB
ajiss-452	209	4	malaysia	malaysia	PROPN
ajiss-452	209	5	’s	’s	PART
ajiss-452	209	6	muslim	muslim	PROPN
ajiss-452	209	7	lecturers	lecturer	NOUN
ajiss-452	209	8	,	,	PUNCT
ajiss-452	209	9	who	who	PRON
ajiss-452	209	10	represent	represent	VERB
ajiss-452	209	11	a	a	DET
ajiss-452	209	12	large	large	ADJ
ajiss-452	209	13	segment	segment	NOUN
ajiss-452	209	14	of	of	ADP
ajiss-452	209	15	the	the	DET
ajiss-452	209	16	takaful	takaful	ADJ
ajiss-452	209	17	market	market	NOUN
ajiss-452	209	18	.	.	PUNCT
ajiss-452	210	1	it	it	PRON
ajiss-452	210	2	is	be	AUX
ajiss-452	210	3	advisable	advisable	ADJ
ajiss-452	210	4	that	that	SCONJ
ajiss-452	210	5	stmb	stmb	NOUN
ajiss-452	210	6	should	should	AUX
ajiss-452	210	7	consider	consider	VERB
ajiss-452	210	8	this	this	DET
ajiss-452	210	9	situation	situation	NOUN
ajiss-452	210	10	by	by	ADP
ajiss-452	210	11	understanding	understanding	NOUN
ajiss-452	210	12	and	and	CCONJ
ajiss-452	210	13	appreciating	appreciate	VERB
ajiss-452	210	14	the	the	DET
ajiss-452	210	15	customers	customer	NOUN
ajiss-452	210	16	’	’	PART
ajiss-452	210	17	preferences	preference	NOUN
ajiss-452	210	18	in	in	ADP
ajiss-452	210	19	the	the	DET
ajiss-452	210	20	method	method	NOUN
ajiss-452	210	21	of	of	ADP
ajiss-452	210	22	purchasing	purchasing	NOUN
ajiss-452	210	23	,	,	PUNCT
ajiss-452	210	24	because	because	SCONJ
ajiss-452	210	25	only	only	ADV
ajiss-452	210	26	then	then	ADV
ajiss-452	210	27	will	will	AUX
ajiss-452	210	28	it	it	PRON
ajiss-452	210	29	be	be	AUX
ajiss-452	210	30	able	able	ADJ
ajiss-452	210	31	to	to	PART
ajiss-452	210	32	satisfy	satisfy	VERB
ajiss-452	210	33	its	its	PRON
ajiss-452	210	34	customers	customer	NOUN
ajiss-452	210	35	’	'	PUNCT
ajiss-452	210	36	needs	need	NOUN
ajiss-452	210	37	.	.	PUNCT
ajiss-452	211	1	since	since	SCONJ
ajiss-452	211	2	all	all	DET
ajiss-452	211	3	marketing	marketing	NOUN
ajiss-452	211	4	strategies	strategy	NOUN
ajiss-452	211	5	are	be	AUX
ajiss-452	211	6	formulated	formulate	VERB
ajiss-452	211	7	and	and	CCONJ
ajiss-452	211	8	implemented	implement	VERB
ajiss-452	211	9	with	with	ADP
ajiss-452	211	10	a	a	DET
ajiss-452	211	11	focus	focus	NOUN
ajiss-452	211	12	on	on	ADP
ajiss-452	211	13	customers	customer	NOUN
ajiss-452	211	14	,	,	PUNCT
ajiss-452	211	15	only	only	ADV
ajiss-452	211	16	learning	learn	VERB
ajiss-452	211	17	and	and	CCONJ
ajiss-452	211	18	identifying	identify	VERB
ajiss-452	211	19	the	the	DET
ajiss-452	211	20	customers	customer	NOUN
ajiss-452	211	21	’	’	PART
ajiss-452	211	22	views	view	NOUN
ajiss-452	211	23	will	will	AUX
ajiss-452	211	24	ensure	ensure	VERB
ajiss-452	211	25	that	that	SCONJ
ajiss-452	211	26	the	the	DET
ajiss-452	211	27	company	company	NOUN
ajiss-452	211	28	will	will	AUX
ajiss-452	211	29	achieve	achieve	VERB
ajiss-452	211	30	both	both	DET
ajiss-452	211	31	its	its	PRON
ajiss-452	211	32	shortand	shortand	NOUN
ajiss-452	211	33	long	long	ADJ
ajiss-452	211	34	-	-	PUNCT
ajiss-452	211	35	term	term	NOUN
ajiss-452	211	36	objectives	objective	NOUN
ajiss-452	211	37	,	,	PUNCT
ajiss-452	211	38	which	which	PRON
ajiss-452	211	39	include	include	VERB
ajiss-452	211	40	,	,	PUNCT
ajiss-452	211	41	among	among	ADP
ajiss-452	211	42	others	other	NOUN
ajiss-452	211	43	,	,	PUNCT
ajiss-452	211	44	better	well	ADJ
ajiss-452	211	45	company	company	NOUN
ajiss-452	211	46	performance	performance	NOUN
ajiss-452	211	47	(	(	PUNCT
ajiss-452	211	48	measured	measure	VERB
ajiss-452	211	49	in	in	ADP
ajiss-452	211	50	terms	term	NOUN
ajiss-452	211	51	of	of	ADP
ajiss-452	211	52	profitability	profitability	NOUN
ajiss-452	211	53	and	and	CCONJ
ajiss-452	211	54	efficiency	efficiency	NOUN
ajiss-452	211	55	)	)	PUNCT
ajiss-452	211	56	.	.	PUNCT
ajiss-452	212	1	it	it	PRON
ajiss-452	212	2	has	have	AUX
ajiss-452	212	3	been	be	AUX
ajiss-452	212	4	revealed	reveal	VERB
ajiss-452	212	5	here	here	ADV
ajiss-452	212	6	that	that	SCONJ
ajiss-452	212	7	the	the	DET
ajiss-452	212	8	agency	agency	NOUN
ajiss-452	212	9	system	system	NOUN
ajiss-452	212	10	is	be	AUX
ajiss-452	212	11	vital	vital	ADJ
ajiss-452	212	12	to	to	ADP
ajiss-452	212	13	a	a	DET
ajiss-452	212	14	takaful	takaful	ADJ
ajiss-452	212	15	company	company	NOUN
ajiss-452	212	16	’s	’s	PART
ajiss-452	212	17	successful	successful	ADJ
ajiss-452	212	18	performance	performance	NOUN
ajiss-452	212	19	and	and	CCONJ
ajiss-452	212	20	,	,	PUNCT
ajiss-452	212	21	hence	hence	ADV
ajiss-452	212	22	,	,	PUNCT
ajiss-452	212	23	long	long	ADJ
ajiss-452	212	24	-	-	PUNCT
ajiss-452	212	25	term	term	NOUN
ajiss-452	212	26	survival	survival	NOUN
ajiss-452	212	27	in	in	ADP
ajiss-452	212	28	the	the	DET
ajiss-452	212	29	face	face	NOUN
ajiss-452	212	30	of	of	ADP
ajiss-452	212	31	impending	impending	ADJ
ajiss-452	212	32	accelerated	accelerated	ADJ
ajiss-452	212	33	competition	competition	NOUN
ajiss-452	212	34	,	,	PUNCT
ajiss-452	212	35	both	both	CCONJ
ajiss-452	212	36	globally	globally	ADV
ajiss-452	212	37	and	and	CCONJ
ajiss-452	212	38	domestically	domestically	ADV
ajiss-452	212	39	.	.	PUNCT
ajiss-452	213	1	annuar	annuar	ADJ
ajiss-452	213	2	:	:	PUNCT
ajiss-452	214	1	al	al	PROPN
ajiss-452	214	2	-	-	PUNCT
ajiss-452	214	3	wakalah	wakalah	PROPN
ajiss-452	214	4	and	and	CCONJ
ajiss-452	214	5	customers	customer	NOUN
ajiss-452	214	6	’	’	PART
ajiss-452	214	7	preferences	preference	NOUN
ajiss-452	214	8	toward	toward	ADP
ajiss-452	214	9	it	it	PRON
ajiss-452	214	10	43	43	NUM
ajiss-452	214	11	problems	problem	NOUN
ajiss-452	214	12	related	relate	VERB
ajiss-452	214	13	to	to	ADP
ajiss-452	214	14	sales	sale	NOUN
ajiss-452	214	15	agents	agent	NOUN
ajiss-452	214	16	in	in	ADP
ajiss-452	214	17	an	an	DET
ajiss-452	214	18	earlier	early	ADJ
ajiss-452	214	19	section	section	NOUN
ajiss-452	214	20	of	of	ADP
ajiss-452	214	21	this	this	DET
ajiss-452	214	22	paper	paper	NOUN
ajiss-452	214	23	,	,	PUNCT
ajiss-452	214	24	it	it	PRON
ajiss-452	214	25	was	be	AUX
ajiss-452	214	26	ascertained	ascertain	VERB
ajiss-452	214	27	that	that	SCONJ
ajiss-452	214	28	al	al	PROPN
ajiss-452	214	29	-	-	PUNCT
ajiss-452	214	30	wakalah	wakalah	PROPN
ajiss-452	214	31	is	be	AUX
ajiss-452	214	32	permissible	permissible	ADJ
ajiss-452	214	33	according	accord	VERB
ajiss-452	214	34	to	to	ADP
ajiss-452	214	35	islamic	islamic	ADJ
ajiss-452	214	36	law	law	NOUN
ajiss-452	214	37	.	.	PUNCT
ajiss-452	215	1	taken	take	VERB
ajiss-452	215	2	together	together	ADV
ajiss-452	215	3	with	with	ADP
ajiss-452	215	4	the	the	DET
ajiss-452	215	5	results	result	NOUN
ajiss-452	215	6	of	of	ADP
ajiss-452	215	7	the	the	DET
ajiss-452	215	8	survey	survey	NOUN
ajiss-452	215	9	,	,	PUNCT
ajiss-452	215	10	it	it	PRON
ajiss-452	215	11	can	can	AUX
ajiss-452	215	12	be	be	AUX
ajiss-452	215	13	concluded	conclude	VERB
ajiss-452	215	14	that	that	SCONJ
ajiss-452	215	15	this	this	DET
ajiss-452	215	16	practice	practice	NOUN
ajiss-452	215	17	will	will	AUX
ajiss-452	215	18	make	make	VERB
ajiss-452	215	19	a	a	DET
ajiss-452	215	20	positive	positive	ADJ
ajiss-452	215	21	contribution	contribution	NOUN
ajiss-452	215	22	to	to	ADP
ajiss-452	215	23	society	society	NOUN
ajiss-452	215	24	by	by	ADP
ajiss-452	215	25	spreading	spread	VERB
ajiss-452	215	26	the	the	DET
ajiss-452	215	27	concepts	concept	NOUN
ajiss-452	215	28	of	of	ADP
ajiss-452	215	29	mutual	mutual	ADJ
ajiss-452	215	30	assistance	assistance	NOUN
ajiss-452	215	31	,	,	PUNCT
ajiss-452	215	32	cooperation	cooperation	NOUN
ajiss-452	215	33	,	,	PUNCT
ajiss-452	215	34	and	and	CCONJ
ajiss-452	215	35	goodwill	goodwill	NOUN
ajiss-452	215	36	among	among	ADP
ajiss-452	215	37	the	the	DET
ajiss-452	215	38	general	general	ADJ
ajiss-452	215	39	public	public	NOUN
ajiss-452	215	40	.	.	PUNCT
ajiss-452	216	1	the	the	DET
ajiss-452	216	2	system	system	NOUN
ajiss-452	216	3	brings	bring	VERB
ajiss-452	216	4	good	good	ADJ
ajiss-452	216	5	and	and	CCONJ
ajiss-452	216	6	promotes	promote	VERB
ajiss-452	216	7	public	public	ADJ
ajiss-452	216	8	interests	interest	NOUN
ajiss-452	216	9	and	and	CCONJ
ajiss-452	216	10	values	value	NOUN
ajiss-452	216	11	that	that	PRON
ajiss-452	216	12	are	be	AUX
ajiss-452	216	13	consistent	consistent	ADJ
ajiss-452	216	14	with	with	ADP
ajiss-452	216	15	the	the	DET
ajiss-452	216	16	shari`ah	shari`ah	PROPN
ajiss-452	216	17	objectives	objective	NOUN
ajiss-452	216	18	.	.	PUNCT
ajiss-452	217	1	however	however	ADV
ajiss-452	217	2	,	,	PUNCT
ajiss-452	217	3	it	it	PRON
ajiss-452	217	4	is	be	AUX
ajiss-452	217	5	almost	almost	ADV
ajiss-452	217	6	impossible	impossible	ADJ
ajiss-452	217	7	to	to	PART
ajiss-452	217	8	find	find	VERB
ajiss-452	217	9	a	a	DET
ajiss-452	217	10	system	system	NOUN
ajiss-452	217	11	that	that	PRON
ajiss-452	217	12	is	be	AUX
ajiss-452	217	13	free	free	ADJ
ajiss-452	217	14	from	from	ADP
ajiss-452	217	15	problems	problem	NOUN
ajiss-452	217	16	or	or	CCONJ
ajiss-452	217	17	defects	defect	NOUN
ajiss-452	217	18	,	,	PUNCT
ajiss-452	217	19	especially	especially	ADV
ajiss-452	217	20	one	one	NUM
ajiss-452	217	21	that	that	PRON
ajiss-452	217	22	interacts	interact	VERB
ajiss-452	217	23	openly	openly	ADV
ajiss-452	217	24	with	with	ADP
ajiss-452	217	25	its	its	PRON
ajiss-452	217	26	environment	environment	NOUN
ajiss-452	217	27	.	.	PUNCT
ajiss-452	218	1	this	this	PRON
ajiss-452	218	2	is	be	AUX
ajiss-452	218	3	even	even	ADV
ajiss-452	218	4	truer	truer	ADV
ajiss-452	218	5	when	when	SCONJ
ajiss-452	218	6	the	the	DET
ajiss-452	218	7	system	system	NOUN
ajiss-452	218	8	depends	depend	VERB
ajiss-452	218	9	to	to	ADP
ajiss-452	218	10	a	a	DET
ajiss-452	218	11	large	large	ADJ
ajiss-452	218	12	extent	extent	NOUN
ajiss-452	218	13	on	on	ADP
ajiss-452	218	14	human	human	ADJ
ajiss-452	218	15	interventions	intervention	NOUN
ajiss-452	218	16	,	,	PUNCT
ajiss-452	218	17	which	which	PRON
ajiss-452	218	18	are	be	AUX
ajiss-452	218	19	subject	subject	ADJ
ajiss-452	218	20	to	to	ADP
ajiss-452	218	21	a	a	DET
ajiss-452	218	22	variety	variety	NOUN
ajiss-452	218	23	of	of	ADP
ajiss-452	218	24	human	human	ADJ
ajiss-452	218	25	emotions	emotion	NOUN
ajiss-452	218	26	and	and	CCONJ
ajiss-452	218	27	judgments	judgment	NOUN
ajiss-452	218	28	,	,	PUNCT
ajiss-452	218	29	as	as	SCONJ
ajiss-452	218	30	is	be	AUX
ajiss-452	218	31	the	the	DET
ajiss-452	218	32	case	case	NOUN
ajiss-452	218	33	with	with	ADP
ajiss-452	218	34	the	the	DET
ajiss-452	218	35	agency	agency	NOUN
ajiss-452	218	36	system	system	NOUN
ajiss-452	218	37	.	.	PUNCT
ajiss-452	219	1	in	in	ADP
ajiss-452	219	2	order	order	NOUN
ajiss-452	219	3	to	to	PART
ajiss-452	219	4	identify	identify	VERB
ajiss-452	219	5	the	the	DET
ajiss-452	219	6	problems	problem	NOUN
ajiss-452	219	7	that	that	PRON
ajiss-452	219	8	plague	plague	VERB
ajiss-452	219	9	the	the	DET
ajiss-452	219	10	system	system	NOUN
ajiss-452	219	11	,	,	PUNCT
ajiss-452	219	12	as	as	ADV
ajiss-452	219	13	well	well	ADV
ajiss-452	219	14	as	as	ADP
ajiss-452	219	15	the	the	DET
ajiss-452	219	16	ways	way	NOUN
ajiss-452	219	17	to	to	PART
ajiss-452	219	18	minimize	minimize	VERB
ajiss-452	219	19	or	or	CCONJ
ajiss-452	219	20	eliminate	eliminate	VERB
ajiss-452	219	21	them	they	PRON
ajiss-452	219	22	,	,	PUNCT
ajiss-452	219	23	i	i	PRON
ajiss-452	219	24	conducted	conduct	VERB
ajiss-452	219	25	e	e	NOUN
ajiss-452	219	26	-	-	NOUN
ajiss-452	219	27	mail	mail	NOUN
ajiss-452	219	28	correspondence	correspondence	NOUN
ajiss-452	219	29	with	with	ADP
ajiss-452	219	30	the	the	DET
ajiss-452	219	31	director	director	NOUN
ajiss-452	219	32	of	of	ADP
ajiss-452	219	33	tnsb	tnsb	PROPN
ajiss-452	219	34	’s	’s	PART
ajiss-452	219	35	agency	agency	PROPN
ajiss-452	219	36	department	department	PROPN
ajiss-452	219	37	.	.	PUNCT
ajiss-452	220	1	he	he	PRON
ajiss-452	220	2	indicated	indicate	VERB
ajiss-452	220	3	that	that	SCONJ
ajiss-452	220	4	three	three	NUM
ajiss-452	220	5	major	major	ADJ
ajiss-452	220	6	problems	problem	NOUN
ajiss-452	220	7	(	(	PUNCT
ajiss-452	220	8	detailed	detailed	ADJ
ajiss-452	220	9	below	below	ADV
ajiss-452	220	10	)	)	PUNCT
ajiss-452	220	11	constitute	constitute	VERB
ajiss-452	220	12	about	about	ADV
ajiss-452	220	13	85	85	NUM
ajiss-452	220	14	percent	percent	NOUN
ajiss-452	220	15	of	of	ADP
ajiss-452	220	16	all	all	DET
ajiss-452	220	17	problems	problem	NOUN
ajiss-452	220	18	.	.	PUNCT
ajiss-452	221	1	these	these	DET
ajiss-452	221	2	problems	problem	NOUN
ajiss-452	221	3	are	be	AUX
ajiss-452	221	4	not	not	PART
ajiss-452	221	5	only	only	ADV
ajiss-452	221	6	specific	specific	ADJ
ajiss-452	221	7	to	to	PART
ajiss-452	221	8	tnsb	tnsb	VERB
ajiss-452	221	9	,	,	PUNCT
ajiss-452	221	10	but	but	CCONJ
ajiss-452	221	11	are	be	AUX
ajiss-452	221	12	associated	associate	VERB
ajiss-452	221	13	with	with	ADP
ajiss-452	221	14	companies	company	NOUN
ajiss-452	221	15	implementing	implement	VERB
ajiss-452	221	16	the	the	DET
ajiss-452	221	17	agency	agency	NOUN
ajiss-452	221	18	system	system	NOUN
ajiss-452	221	19	.	.	PUNCT
ajiss-452	222	1	it	it	PRON
ajiss-452	222	2	must	must	AUX
ajiss-452	222	3	be	be	AUX
ajiss-452	222	4	stressed	stress	VERB
ajiss-452	222	5	here	here	ADV
ajiss-452	222	6	that	that	SCONJ
ajiss-452	222	7	the	the	DET
ajiss-452	222	8	system	system	NOUN
ajiss-452	222	9	as	as	ADP
ajiss-452	222	10	a	a	DET
ajiss-452	222	11	whole	whole	ADJ
ajiss-452	222	12	(	(	PUNCT
ajiss-452	222	13	macro	macro	ADJ
ajiss-452	222	14	level	level	NOUN
ajiss-452	222	15	)	)	PUNCT
ajiss-452	222	16	does	do	AUX
ajiss-452	222	17	not	not	PART
ajiss-452	222	18	cause	cause	VERB
ajiss-452	222	19	these	these	DET
ajiss-452	222	20	problems	problem	NOUN
ajiss-452	222	21	;	;	PUNCT
ajiss-452	222	22	rather	rather	ADV
ajiss-452	222	23	,	,	PUNCT
ajiss-452	222	24	they	they	PRON
ajiss-452	222	25	are	be	AUX
ajiss-452	222	26	the	the	DET
ajiss-452	222	27	consequences	consequence	NOUN
ajiss-452	222	28	of	of	ADP
ajiss-452	222	29	the	the	DET
ajiss-452	222	30	agents’action	agents’action	NOUN
ajiss-452	222	31	,	,	PUNCT
ajiss-452	222	32	which	which	PRON
ajiss-452	222	33	is	be	AUX
ajiss-452	222	34	the	the	DET
ajiss-452	222	35	human	human	ADJ
ajiss-452	222	36	aspect	aspect	NOUN
ajiss-452	222	37	and	and	CCONJ
ajiss-452	222	38	an	an	DET
ajiss-452	222	39	element	element	NOUN
ajiss-452	222	40	of	of	ADP
ajiss-452	222	41	the	the	DET
ajiss-452	222	42	system	system	NOUN
ajiss-452	222	43	(	(	PUNCT
ajiss-452	222	44	micro	micro	ADJ
ajiss-452	222	45	level	level	NOUN
ajiss-452	222	46	)	)	PUNCT
ajiss-452	222	47	.	.	PUNCT
ajiss-452	223	1	these	these	DET
ajiss-452	223	2	three	three	NUM
ajiss-452	223	3	problems	problem	NOUN
ajiss-452	223	4	comprise	comprise	VERB
ajiss-452	223	5	three	three	NUM
ajiss-452	223	6	different	different	ADJ
ajiss-452	223	7	areas	area	NOUN
ajiss-452	223	8	of	of	ADP
ajiss-452	223	9	an	an	DET
ajiss-452	223	10	agent	agent	NOUN
ajiss-452	223	11	’s	’s	PART
ajiss-452	223	12	job	job	NOUN
ajiss-452	223	13	,	,	PUNCT
ajiss-452	223	14	which	which	PRON
ajiss-452	223	15	i	i	PRON
ajiss-452	223	16	termed	term	VERB
ajiss-452	223	17	as	as	ADP
ajiss-452	223	18	the	the	DET
ajiss-452	223	19	“	"	PUNCT
ajiss-452	223	20	agency	agency	NOUN
ajiss-452	223	21	supply	supply	NOUN
ajiss-452	223	22	chain	chain	NOUN
ajiss-452	223	23	,	,	PUNCT
ajiss-452	223	24	”	"	PUNCT
ajiss-452	223	25	namely	namely	ADV
ajiss-452	223	26	,	,	PUNCT
ajiss-452	223	27	procuring	procure	VERB
ajiss-452	223	28	takaful	takaful	ADJ
ajiss-452	223	29	applications	application	NOUN
ajiss-452	223	30	,	,	PUNCT
ajiss-452	223	31	collecting	collect	VERB
ajiss-452	223	32	contributions	contribution	NOUN
ajiss-452	223	33	from	from	ADP
ajiss-452	223	34	participants	participant	NOUN
ajiss-452	223	35	,	,	PUNCT
ajiss-452	223	36	and	and	CCONJ
ajiss-452	223	37	delivering	deliver	VERB
ajiss-452	223	38	takaful	takaful	ADJ
ajiss-452	223	39	certificate	certificate	NOUN
ajiss-452	223	40	plans	plan	NOUN
ajiss-452	223	41	to	to	ADP
ajiss-452	223	42	them	they	PRON
ajiss-452	223	43	.	.	PUNCT
ajiss-452	224	1	tnsb	tnsb	VERB
ajiss-452	224	2	rigorously	rigorously	ADV
ajiss-452	224	3	monitors	monitor	VERB
ajiss-452	224	4	the	the	DET
ajiss-452	224	5	situation	situation	NOUN
ajiss-452	224	6	and	and	CCONJ
ajiss-452	224	7	has	have	AUX
ajiss-452	224	8	devised	devise	VERB
ajiss-452	224	9	ways	way	NOUN
ajiss-452	224	10	to	to	PART
ajiss-452	224	11	control	control	VERB
ajiss-452	224	12	these	these	DET
ajiss-452	224	13	problems	problem	NOUN
ajiss-452	224	14	.	.	PUNCT
ajiss-452	225	1	when	when	SCONJ
ajiss-452	225	2	procuring	procure	VERB
ajiss-452	225	3	takaful	takaful	ADJ
ajiss-452	225	4	applications	application	NOUN
ajiss-452	225	5	(	(	PUNCT
ajiss-452	225	6	selling	sell	VERB
ajiss-452	225	7	takaful	takaful	ADJ
ajiss-452	225	8	plans	plan	NOUN
ajiss-452	225	9	)	)	PUNCT
ajiss-452	225	10	,	,	PUNCT
ajiss-452	225	11	agents	agent	NOUN
ajiss-452	225	12	utilize	utilize	VERB
ajiss-452	225	13	different	different	ADJ
ajiss-452	225	14	means	mean	NOUN
ajiss-452	225	15	to	to	PART
ajiss-452	225	16	reach	reach	VERB
ajiss-452	225	17	their	their	PRON
ajiss-452	225	18	targeted	target	VERB
ajiss-452	225	19	potential	potential	ADJ
ajiss-452	225	20	participants	participant	NOUN
ajiss-452	225	21	.	.	PUNCT
ajiss-452	226	1	these	these	PRON
ajiss-452	226	2	include	include	VERB
ajiss-452	226	3	,	,	PUNCT
ajiss-452	226	4	among	among	ADP
ajiss-452	226	5	others	other	NOUN
ajiss-452	226	6	,	,	PUNCT
ajiss-452	226	7	individual	individual	ADJ
ajiss-452	226	8	and	and	CCONJ
ajiss-452	226	9	company	company	NOUN
ajiss-452	226	10	-	-	PUNCT
ajiss-452	226	11	wide	wide	ADJ
ajiss-452	226	12	presentations	presentation	NOUN
ajiss-452	226	13	,	,	PUNCT
ajiss-452	226	14	convention	convention	NOUN
ajiss-452	226	15	booths	booth	NOUN
ajiss-452	226	16	,	,	PUNCT
ajiss-452	226	17	advertisements	advertisement	NOUN
ajiss-452	226	18	,	,	PUNCT
ajiss-452	226	19	and	and	CCONJ
ajiss-452	226	20	special	special	ADJ
ajiss-452	226	21	publications	publication	NOUN
ajiss-452	226	22	.	.	PUNCT
ajiss-452	227	1	lately	lately	ADV
ajiss-452	227	2	,	,	PUNCT
ajiss-452	227	3	agents	agent	NOUN
ajiss-452	227	4	have	have	AUX
ajiss-452	227	5	become	become	VERB
ajiss-452	227	6	it	it	PRON
ajiss-452	227	7	savvy	savvy	ADJ
ajiss-452	227	8	so	so	SCONJ
ajiss-452	227	9	that	that	SCONJ
ajiss-452	227	10	they	they	PRON
ajiss-452	227	11	can	can	AUX
ajiss-452	227	12	advertise	advertise	VERB
ajiss-452	227	13	their	their	PRON
ajiss-452	227	14	services	service	NOUN
ajiss-452	227	15	through	through	ADP
ajiss-452	227	16	personal	personal	ADJ
ajiss-452	227	17	web	web	NOUN
ajiss-452	227	18	pages	page	NOUN
ajiss-452	227	19	.	.	PUNCT
ajiss-452	228	1	the	the	DET
ajiss-452	228	2	problem	problem	NOUN
ajiss-452	228	3	is	be	AUX
ajiss-452	228	4	not	not	PART
ajiss-452	228	5	so	so	ADV
ajiss-452	228	6	much	much	ADJ
ajiss-452	228	7	in	in	ADP
ajiss-452	228	8	the	the	DET
ajiss-452	228	9	means	mean	NOUN
ajiss-452	228	10	,	,	PUNCT
ajiss-452	228	11	but	but	CCONJ
ajiss-452	228	12	rather	rather	ADV
ajiss-452	228	13	in	in	ADP
ajiss-452	228	14	the	the	DET
ajiss-452	228	15	content	content	NOUN
ajiss-452	228	16	of	of	ADP
ajiss-452	228	17	the	the	DET
ajiss-452	228	18	information	information	NOUN
ajiss-452	228	19	dispersed	disperse	VERB
ajiss-452	228	20	to	to	ADP
ajiss-452	228	21	the	the	DET
ajiss-452	228	22	public	public	NOUN
ajiss-452	228	23	.	.	PUNCT
ajiss-452	229	1	sometimes	sometimes	ADV
ajiss-452	229	2	agents	agent	NOUN
ajiss-452	229	3	produce	produce	VERB
ajiss-452	229	4	their	their	PRON
ajiss-452	229	5	own	own	ADJ
ajiss-452	229	6	version	version	NOUN
ajiss-452	229	7	of	of	ADP
ajiss-452	229	8	information	information	NOUN
ajiss-452	229	9	concerning	concern	VERB
ajiss-452	229	10	the	the	DET
ajiss-452	229	11	services	service	NOUN
ajiss-452	229	12	and	and	CCONJ
ajiss-452	229	13	plans	plan	NOUN
ajiss-452	229	14	offered	offer	VERB
ajiss-452	229	15	,	,	PUNCT
ajiss-452	229	16	in	in	ADP
ajiss-452	229	17	contrast	contrast	NOUN
ajiss-452	229	18	to	to	ADP
ajiss-452	229	19	standard	standard	ADJ
ajiss-452	229	20	company	company	NOUN
ajiss-452	229	21	coverage	coverage	NOUN
ajiss-452	229	22	and	and	CCONJ
ajiss-452	229	23	offerings	offering	NOUN
ajiss-452	229	24	.	.	PUNCT
ajiss-452	230	1	this	this	PRON
ajiss-452	230	2	misleads	mislead	VERB
ajiss-452	230	3	participants	participant	NOUN
ajiss-452	230	4	.	.	PUNCT
ajiss-452	231	1	tnsb	tnsb	NOUN
ajiss-452	231	2	takes	take	VERB
ajiss-452	231	3	this	this	DET
ajiss-452	231	4	matter	matter	NOUN
ajiss-452	231	5	very	very	ADV
ajiss-452	231	6	seriously	seriously	ADV
ajiss-452	231	7	,	,	PUNCT
ajiss-452	231	8	for	for	SCONJ
ajiss-452	231	9	it	it	PRON
ajiss-452	231	10	impedes	impede	VERB
ajiss-452	231	11	the	the	DET
ajiss-452	231	12	basic	basic	ADJ
ajiss-452	231	13	agreement	agreement	NOUN
ajiss-452	231	14	and	and	CCONJ
ajiss-452	231	15	understanding	understanding	NOUN
ajiss-452	231	16	between	between	ADP
ajiss-452	231	17	the	the	DET
ajiss-452	231	18	principal	principal	NOUN
ajiss-452	231	19	and	and	CCONJ
ajiss-452	231	20	the	the	DET
ajiss-452	231	21	agents	agent	NOUN
ajiss-452	231	22	.	.	PUNCT
ajiss-452	232	1	once	once	SCONJ
ajiss-452	232	2	tnsb	tnsb	NOUN
ajiss-452	232	3	receives	receive	VERB
ajiss-452	232	4	any	any	DET
ajiss-452	232	5	complaint	complaint	NOUN
ajiss-452	232	6	or	or	CCONJ
ajiss-452	232	7	relevant	relevant	ADJ
ajiss-452	232	8	information	information	NOUN
ajiss-452	232	9	pertaining	pertain	VERB
ajiss-452	232	10	to	to	ADP
ajiss-452	232	11	the	the	DET
ajiss-452	232	12	issue	issue	NOUN
ajiss-452	232	13	,	,	PUNCT
ajiss-452	232	14	an	an	DET
ajiss-452	232	15	in44	in44	PROPN
ajiss-452	232	16	the	the	DET
ajiss-452	232	17	american	american	PROPN
ajiss-452	232	18	journal	journal	PROPN
ajiss-452	232	19	of	of	ADP
ajiss-452	232	20	islamic	islamic	ADJ
ajiss-452	232	21	social	social	ADJ
ajiss-452	232	22	sciences	science	NOUN
ajiss-452	232	23	22:1	22:1	NUM
ajiss-452	232	24	depth	depth	NOUN
ajiss-452	232	25	investigation	investigation	NOUN
ajiss-452	232	26	is	be	AUX
ajiss-452	232	27	conducted	conduct	VERB
ajiss-452	232	28	,	,	PUNCT
ajiss-452	232	29	and	and	CCONJ
ajiss-452	232	30	those	those	DET
ajiss-452	232	31	agents	agent	NOUN
ajiss-452	232	32	who	who	PRON
ajiss-452	232	33	have	have	AUX
ajiss-452	232	34	misled	mislead	VERB
ajiss-452	232	35	the	the	DET
ajiss-452	232	36	public	public	NOUN
ajiss-452	232	37	find	find	VERB
ajiss-452	232	38	their	their	PRON
ajiss-452	232	39	contracts	contract	NOUN
ajiss-452	232	40	terminated	terminate	VERB
ajiss-452	232	41	immediately	immediately	ADV
ajiss-452	232	42	by	by	ADP
ajiss-452	232	43	the	the	DET
ajiss-452	232	44	company	company	NOUN
ajiss-452	232	45	.	.	PUNCT
ajiss-452	233	1	apart	apart	ADV
ajiss-452	233	2	from	from	ADP
ajiss-452	233	3	this	this	PRON
ajiss-452	233	4	,	,	PUNCT
ajiss-452	233	5	the	the	DET
ajiss-452	233	6	company	company	NOUN
ajiss-452	233	7	undertakes	undertake	VERB
ajiss-452	233	8	to	to	PART
ajiss-452	233	9	produce	produce	VERB
ajiss-452	233	10	enough	enough	ADJ
ajiss-452	233	11	brochures	brochure	NOUN
ajiss-452	233	12	of	of	ADP
ajiss-452	233	13	its	its	PRON
ajiss-452	233	14	products	product	NOUN
ajiss-452	233	15	and	and	CCONJ
ajiss-452	233	16	plans	plan	NOUN
ajiss-452	233	17	for	for	ADP
ajiss-452	233	18	free	free	ADJ
ajiss-452	233	19	distribution	distribution	NOUN
ajiss-452	233	20	to	to	ADP
ajiss-452	233	21	the	the	DET
ajiss-452	233	22	public	public	NOUN
ajiss-452	233	23	.	.	PUNCT
ajiss-452	234	1	it	it	PRON
ajiss-452	234	2	also	also	ADV
ajiss-452	234	3	has	have	AUX
ajiss-452	234	4	taken	take	VERB
ajiss-452	234	5	steps	step	NOUN
ajiss-452	234	6	to	to	PART
ajiss-452	234	7	ensure	ensure	VERB
ajiss-452	234	8	that	that	SCONJ
ajiss-452	234	9	agents	agent	NOUN
ajiss-452	234	10	do	do	AUX
ajiss-452	234	11	not	not	PART
ajiss-452	234	12	produce	produce	VERB
ajiss-452	234	13	their	their	PRON
ajiss-452	234	14	own	own	ADJ
ajiss-452	234	15	version	version	NOUN
ajiss-452	234	16	of	of	ADP
ajiss-452	234	17	publications	publication	NOUN
ajiss-452	234	18	through	through	ADP
ajiss-452	234	19	constant	constant	ADJ
ajiss-452	234	20	reminders	reminder	NOUN
ajiss-452	234	21	,	,	PUNCT
ajiss-452	234	22	such	such	ADJ
ajiss-452	234	23	as	as	ADP
ajiss-452	234	24	training	training	NOUN
ajiss-452	234	25	and	and	CCONJ
ajiss-452	234	26	in	in	ADP
ajiss-452	234	27	-	-	PUNCT
ajiss-452	234	28	house	house	NOUN
ajiss-452	234	29	bulletins	bulletin	NOUN
ajiss-452	234	30	.	.	PUNCT
ajiss-452	235	1	collecting	collect	VERB
ajiss-452	235	2	the	the	DET
ajiss-452	235	3	contributions	contribution	NOUN
ajiss-452	235	4	,	,	PUNCT
ajiss-452	235	5	the	the	DET
ajiss-452	235	6	next	next	ADJ
ajiss-452	235	7	node	node	NOUN
ajiss-452	235	8	on	on	ADP
ajiss-452	235	9	the	the	DET
ajiss-452	235	10	agency	agency	NOUN
ajiss-452	235	11	supply	supply	NOUN
ajiss-452	235	12	chain	chain	NOUN
ajiss-452	235	13	,	,	PUNCT
ajiss-452	235	14	is	be	AUX
ajiss-452	235	15	the	the	DET
ajiss-452	235	16	second	second	ADJ
ajiss-452	235	17	problem	problem	NOUN
ajiss-452	235	18	area	area	NOUN
ajiss-452	235	19	.	.	PUNCT
ajiss-452	236	1	according	accord	VERB
ajiss-452	236	2	to	to	ADP
ajiss-452	236	3	tnsb	tnsb	NOUN
ajiss-452	236	4	,	,	PUNCT
ajiss-452	236	5	some	some	PRON
ajiss-452	236	6	of	of	ADP
ajiss-452	236	7	its	its	PRON
ajiss-452	236	8	agents	agent	NOUN
ajiss-452	236	9	do	do	AUX
ajiss-452	236	10	not	not	PART
ajiss-452	236	11	hand	hand	VERB
ajiss-452	236	12	over	over	ADP
ajiss-452	236	13	the	the	DET
ajiss-452	236	14	collected	collect	VERB
ajiss-452	236	15	money	money	NOUN
ajiss-452	236	16	immediately	immediately	ADV
ajiss-452	236	17	to	to	ADP
ajiss-452	236	18	the	the	DET
ajiss-452	236	19	company	company	NOUN
ajiss-452	236	20	,	,	PUNCT
ajiss-452	236	21	although	although	SCONJ
ajiss-452	236	22	the	the	DET
ajiss-452	236	23	company	company	NOUN
ajiss-452	236	24	gives	give	VERB
ajiss-452	236	25	them	they	PRON
ajiss-452	236	26	a	a	DET
ajiss-452	236	27	reasonable	reasonable	ADJ
ajiss-452	236	28	time	time	NOUN
ajiss-452	236	29	to	to	PART
ajiss-452	236	30	do	do	VERB
ajiss-452	236	31	so	so	ADV
ajiss-452	236	32	.	.	PUNCT
ajiss-452	237	1	tnsb	tnsb	NOUN
ajiss-452	237	2	views	view	VERB
ajiss-452	237	3	this	this	PRON
ajiss-452	237	4	as	as	ADP
ajiss-452	237	5	a	a	DET
ajiss-452	237	6	serious	serious	ADJ
ajiss-452	237	7	problem	problem	NOUN
ajiss-452	237	8	,	,	PUNCT
ajiss-452	237	9	for	for	SCONJ
ajiss-452	237	10	it	it	PRON
ajiss-452	237	11	could	could	AUX
ajiss-452	237	12	lead	lead	VERB
ajiss-452	237	13	to	to	ADP
ajiss-452	237	14	the	the	DET
ajiss-452	237	15	contributions	contribution	NOUN
ajiss-452	237	16	being	be	AUX
ajiss-452	237	17	misappropriated	misappropriate	VERB
ajiss-452	237	18	.	.	PUNCT
ajiss-452	238	1	such	such	DET
ajiss-452	238	2	a	a	DET
ajiss-452	238	3	practice	practice	NOUN
ajiss-452	238	4	infringes	infringe	VERB
ajiss-452	238	5	on	on	ADP
ajiss-452	238	6	the	the	DET
ajiss-452	238	7	contract	contract	NOUN
ajiss-452	238	8	between	between	ADP
ajiss-452	238	9	the	the	DET
ajiss-452	238	10	principal	principal	NOUN
ajiss-452	238	11	and	and	CCONJ
ajiss-452	238	12	the	the	DET
ajiss-452	238	13	agents	agent	NOUN
ajiss-452	238	14	and	and	CCONJ
ajiss-452	238	15	,	,	PUNCT
ajiss-452	238	16	if	if	SCONJ
ajiss-452	238	17	proven	prove	VERB
ajiss-452	238	18	guilty	guilty	ADJ
ajiss-452	238	19	,	,	PUNCT
ajiss-452	238	20	the	the	DET
ajiss-452	238	21	agents	agent	NOUN
ajiss-452	238	22	’	'	PUNCT
ajiss-452	238	23	services	service	NOUN
ajiss-452	238	24	are	be	AUX
ajiss-452	238	25	terminated	terminate	VERB
ajiss-452	238	26	.	.	PUNCT
ajiss-452	239	1	in	in	ADP
ajiss-452	239	2	addition	addition	NOUN
ajiss-452	239	3	to	to	ADP
ajiss-452	239	4	continuously	continuously	ADV
ajiss-452	239	5	reminding	remind	VERB
ajiss-452	239	6	its	its	PRON
ajiss-452	239	7	agents	agent	NOUN
ajiss-452	239	8	through	through	ADP
ajiss-452	239	9	various	various	ADJ
ajiss-452	239	10	means	mean	NOUN
ajiss-452	239	11	,	,	PUNCT
ajiss-452	239	12	tnsb	tnsb	NOUN
ajiss-452	239	13	has	have	AUX
ajiss-452	239	14	implemented	implement	VERB
ajiss-452	239	15	another	another	DET
ajiss-452	239	16	controlling	control	VERB
ajiss-452	239	17	mechanism	mechanism	NOUN
ajiss-452	239	18	to	to	PART
ajiss-452	239	19	minimize	minimize	VERB
ajiss-452	239	20	and	and	CCONJ
ajiss-452	239	21	eliminate	eliminate	VERB
ajiss-452	239	22	this	this	DET
ajiss-452	239	23	problem	problem	NOUN
ajiss-452	239	24	:	:	PUNCT
ajiss-452	239	25	it	it	PRON
ajiss-452	239	26	directly	directly	ADV
ajiss-452	239	27	notifies	notify	VERB
ajiss-452	239	28	participants	participant	NOUN
ajiss-452	239	29	by	by	ADP
ajiss-452	239	30	producing	produce	VERB
ajiss-452	239	31	either	either	CCONJ
ajiss-452	239	32	a	a	DET
ajiss-452	239	33	renewal	renewal	NOUN
ajiss-452	239	34	notice	notice	NOUN
ajiss-452	239	35	or	or	CCONJ
ajiss-452	239	36	a	a	DET
ajiss-452	239	37	lapse	lapse	NOUN
ajiss-452	239	38	notice	notice	NOUN
ajiss-452	239	39	,	,	PUNCT
ajiss-452	239	40	as	as	ADV
ajiss-452	239	41	well	well	ADV
ajiss-452	239	42	as	as	ADP
ajiss-452	239	43	a	a	DET
ajiss-452	239	44	periodic	periodic	ADJ
ajiss-452	239	45	collection	collection	NOUN
ajiss-452	239	46	statement	statement	NOUN
ajiss-452	239	47	.	.	PUNCT
ajiss-452	240	1	in	in	ADP
ajiss-452	240	2	this	this	DET
ajiss-452	240	3	way	way	NOUN
ajiss-452	240	4	,	,	PUNCT
ajiss-452	240	5	participants	participant	NOUN
ajiss-452	240	6	are	be	AUX
ajiss-452	240	7	informed	inform	VERB
ajiss-452	240	8	of	of	ADP
ajiss-452	240	9	whether	whether	SCONJ
ajiss-452	240	10	the	the	DET
ajiss-452	240	11	company	company	NOUN
ajiss-452	240	12	received	receive	VERB
ajiss-452	240	13	their	their	PRON
ajiss-452	240	14	contributions	contribution	NOUN
ajiss-452	240	15	or	or	CCONJ
ajiss-452	240	16	not	not	PART
ajiss-452	240	17	.	.	PUNCT
ajiss-452	241	1	in	in	ADP
ajiss-452	241	2	the	the	DET
ajiss-452	241	3	event	event	NOUN
ajiss-452	241	4	that	that	PRON
ajiss-452	241	5	differences	difference	NOUN
ajiss-452	241	6	occur	occur	VERB
ajiss-452	241	7	between	between	ADP
ajiss-452	241	8	the	the	DET
ajiss-452	241	9	amount	amount	NOUN
ajiss-452	241	10	paid	pay	VERB
ajiss-452	241	11	and	and	CCONJ
ajiss-452	241	12	the	the	DET
ajiss-452	241	13	amount	amount	NOUN
ajiss-452	241	14	received	receive	VERB
ajiss-452	241	15	by	by	ADP
ajiss-452	241	16	the	the	DET
ajiss-452	241	17	company	company	NOUN
ajiss-452	241	18	,	,	PUNCT
ajiss-452	241	19	participants	participant	NOUN
ajiss-452	241	20	either	either	CCONJ
ajiss-452	241	21	can	can	AUX
ajiss-452	241	22	inform	inform	VERB
ajiss-452	241	23	the	the	DET
ajiss-452	241	24	company	company	NOUN
ajiss-452	241	25	or	or	CCONJ
ajiss-452	241	26	confront	confront	VERB
ajiss-452	241	27	the	the	DET
ajiss-452	241	28	agents	agent	NOUN
ajiss-452	241	29	.	.	PUNCT
ajiss-452	242	1	ultimately	ultimately	ADV
ajiss-452	242	2	,	,	PUNCT
ajiss-452	242	3	this	this	PRON
ajiss-452	242	4	will	will	AUX
ajiss-452	242	5	prevent	prevent	VERB
ajiss-452	242	6	the	the	DET
ajiss-452	242	7	misappropriation	misappropriation	NOUN
ajiss-452	242	8	of	of	ADP
ajiss-452	242	9	contributions	contribution	NOUN
ajiss-452	242	10	.	.	PUNCT
ajiss-452	243	1	the	the	DET
ajiss-452	243	2	third	third	ADJ
ajiss-452	243	3	problem	problem	NOUN
ajiss-452	243	4	is	be	AUX
ajiss-452	243	5	that	that	PRON
ajiss-452	243	6	of	of	ADP
ajiss-452	243	7	delivering	deliver	VERB
ajiss-452	243	8	the	the	DET
ajiss-452	243	9	takaful	takaful	ADJ
ajiss-452	243	10	certificate	certificate	NOUN
ajiss-452	243	11	,	,	PUNCT
ajiss-452	243	12	for	for	SCONJ
ajiss-452	243	13	some	some	DET
ajiss-452	243	14	agents	agent	NOUN
ajiss-452	243	15	fail	fail	VERB
ajiss-452	243	16	to	to	PART
ajiss-452	243	17	fulfill	fulfill	VERB
ajiss-452	243	18	this	this	DET
ajiss-452	243	19	responsibility	responsibility	NOUN
ajiss-452	243	20	after	after	SCONJ
ajiss-452	243	21	the	the	DET
ajiss-452	243	22	participant	participant	NOUN
ajiss-452	243	23	joins	join	VERB
ajiss-452	243	24	a	a	DET
ajiss-452	243	25	specific	specific	ADJ
ajiss-452	243	26	plan	plan	NOUN
ajiss-452	243	27	.	.	PUNCT
ajiss-452	244	1	this	this	PRON
ajiss-452	244	2	amounts	amount	VERB
ajiss-452	244	3	to	to	ADP
ajiss-452	244	4	poor	poor	ADJ
ajiss-452	244	5	after	after	ADP
ajiss-452	244	6	-	-	PUNCT
ajiss-452	244	7	sales	sale	NOUN
ajiss-452	244	8	service	service	NOUN
ajiss-452	244	9	,	,	PUNCT
ajiss-452	244	10	for	for	ADP
ajiss-452	244	11	not	not	PART
ajiss-452	244	12	only	only	ADV
ajiss-452	244	13	have	have	AUX
ajiss-452	244	14	the	the	DET
ajiss-452	244	15	agents	agent	NOUN
ajiss-452	244	16	failed	fail	VERB
ajiss-452	244	17	in	in	ADP
ajiss-452	244	18	their	their	PRON
ajiss-452	244	19	responsibilities	responsibility	NOUN
ajiss-452	244	20	,	,	PUNCT
ajiss-452	244	21	but	but	CCONJ
ajiss-452	244	22	the	the	DET
ajiss-452	244	23	company	company	NOUN
ajiss-452	244	24	’s	’s	PART
ajiss-452	244	25	image	image	NOUN
ajiss-452	244	26	is	be	AUX
ajiss-452	244	27	tarnished	tarnish	VERB
ajiss-452	244	28	.	.	PUNCT
ajiss-452	245	1	tnsb	tnsb	NOUN
ajiss-452	245	2	decided	decide	VERB
ajiss-452	245	3	to	to	PART
ajiss-452	245	4	mail	mail	VERB
ajiss-452	245	5	the	the	DET
ajiss-452	245	6	certificates	certificate	NOUN
ajiss-452	245	7	directly	directly	ADV
ajiss-452	245	8	to	to	ADP
ajiss-452	245	9	the	the	DET
ajiss-452	245	10	participants	participant	NOUN
ajiss-452	245	11	in	in	ADP
ajiss-452	245	12	order	order	NOUN
ajiss-452	245	13	to	to	PART
ajiss-452	245	14	prevent	prevent	VERB
ajiss-452	245	15	this	this	DET
ajiss-452	245	16	problem	problem	NOUN
ajiss-452	245	17	in	in	ADP
ajiss-452	245	18	the	the	DET
ajiss-452	245	19	future	future	NOUN
ajiss-452	245	20	.	.	PUNCT
ajiss-452	246	1	the	the	DET
ajiss-452	246	2	advantages	advantage	NOUN
ajiss-452	246	3	of	of	ADP
ajiss-452	246	4	sales	sale	NOUN
ajiss-452	246	5	agents	agent	NOUN
ajiss-452	246	6	although	although	SCONJ
ajiss-452	246	7	there	there	PRON
ajiss-452	246	8	are	be	VERB
ajiss-452	246	9	negative	negative	ADJ
ajiss-452	246	10	reports	report	NOUN
ajiss-452	246	11	about	about	ADP
ajiss-452	246	12	the	the	DET
ajiss-452	246	13	conduct	conduct	NOUN
ajiss-452	246	14	of	of	ADP
ajiss-452	246	15	certain	certain	ADJ
ajiss-452	246	16	agents	agent	NOUN
ajiss-452	246	17	,	,	PUNCT
ajiss-452	246	18	particularly	particularly	ADV
ajiss-452	246	19	about	about	ADP
ajiss-452	246	20	misrepresentation	misrepresentation	NOUN
ajiss-452	246	21	and	and	CCONJ
ajiss-452	246	22	negligence,31	negligence,31	NOUN
ajiss-452	246	23	these	these	DET
ajiss-452	246	24	incidents	incident	NOUN
ajiss-452	246	25	are	be	AUX
ajiss-452	246	26	few	few	ADJ
ajiss-452	246	27	and	and	CCONJ
ajiss-452	246	28	far	far	ADV
ajiss-452	246	29	between	between	ADP
ajiss-452	246	30	.	.	PUNCT
ajiss-452	247	1	moreover	moreover	ADV
ajiss-452	247	2	,	,	PUNCT
ajiss-452	247	3	defaulters	defaulter	NOUN
ajiss-452	247	4	are	be	AUX
ajiss-452	247	5	dealt	deal	VERB
ajiss-452	247	6	with	with	ADP
ajiss-452	247	7	accordingly	accordingly	ADV
ajiss-452	247	8	.	.	PUNCT
ajiss-452	248	1	my	my	PRON
ajiss-452	248	2	study	study	NOUN
ajiss-452	248	3	shows	show	VERB
ajiss-452	248	4	,	,	PUNCT
ajiss-452	248	5	however	however	ADV
ajiss-452	248	6	,	,	PUNCT
ajiss-452	248	7	that	that	SCONJ
ajiss-452	248	8	the	the	DET
ajiss-452	248	9	benefit	benefit	NOUN
ajiss-452	248	10	of	of	ADP
ajiss-452	248	11	using	use	VERB
ajiss-452	248	12	agents	agent	NOUN
ajiss-452	248	13	far	far	ADV
ajiss-452	248	14	outweighs	outweigh	VERB
ajiss-452	248	15	any	any	DET
ajiss-452	248	16	cost	cost	NOUN
ajiss-452	248	17	,	,	PUNCT
ajiss-452	248	18	financial	financial	ADJ
ajiss-452	248	19	or	or	CCONJ
ajiss-452	248	20	otherwise	otherwise	ADV
ajiss-452	248	21	,	,	PUNCT
ajiss-452	248	22	to	to	ADP
ajiss-452	248	23	the	the	DET
ajiss-452	248	24	takaful	takaful	ADJ
ajiss-452	248	25	industry	industry	NOUN
ajiss-452	248	26	.	.	PUNCT
ajiss-452	249	1	these	these	DET
ajiss-452	249	2	benefits	benefit	NOUN
ajiss-452	249	3	will	will	AUX
ajiss-452	249	4	eventually	eventually	ADV
ajiss-452	249	5	spur	spur	VERB
ajiss-452	249	6	takaful	takaful	ADJ
ajiss-452	249	7	companies	company	NOUN
ajiss-452	249	8	to	to	PART
ajiss-452	249	9	compete	compete	VERB
ajiss-452	249	10	competitively	competitively	ADV
ajiss-452	249	11	and	and	CCONJ
ajiss-452	249	12	aggressively	aggressively	ADV
ajiss-452	249	13	against	against	ADP
ajiss-452	249	14	their	their	PRON
ajiss-452	249	15	conventional	conventional	ADJ
ajiss-452	249	16	counterparts	counterpart	NOUN
ajiss-452	249	17	,	,	PUNCT
ajiss-452	249	18	who	who	PRON
ajiss-452	249	19	already	already	ADV
ajiss-452	249	20	enjoy	enjoy	VERB
ajiss-452	249	21	the	the	DET
ajiss-452	249	22	fruits	fruit	NOUN
ajiss-452	249	23	of	of	ADP
ajiss-452	249	24	their	their	PRON
ajiss-452	249	25	agents	agent	NOUN
ajiss-452	249	26	’	'	PUNCT
ajiss-452	249	27	labor	labor	NOUN
ajiss-452	249	28	.	.	PUNCT
ajiss-452	250	1	annuar	annuar	ADJ
ajiss-452	250	2	:	:	PUNCT
ajiss-452	251	1	al	al	PROPN
ajiss-452	251	2	-	-	PUNCT
ajiss-452	251	3	wakalah	wakalah	PROPN
ajiss-452	251	4	and	and	CCONJ
ajiss-452	251	5	customers	customer	NOUN
ajiss-452	251	6	’	’	PART
ajiss-452	251	7	preferences	preference	NOUN
ajiss-452	251	8	toward	toward	ADP
ajiss-452	251	9	it	it	PRON
ajiss-452	251	10	45	45	NUM
ajiss-452	251	11	from	from	ADP
ajiss-452	251	12	a	a	DET
ajiss-452	251	13	socioeconomic	socioeconomic	ADJ
ajiss-452	251	14	viewpoint	viewpoint	NOUN
ajiss-452	251	15	,	,	PUNCT
ajiss-452	251	16	agents	agent	NOUN
ajiss-452	251	17	serve	serve	VERB
ajiss-452	251	18	the	the	DET
ajiss-452	251	19	nation	nation	NOUN
ajiss-452	251	20	by	by	ADP
ajiss-452	251	21	helping	help	VERB
ajiss-452	251	22	to	to	PART
ajiss-452	251	23	reduce	reduce	VERB
ajiss-452	251	24	the	the	DET
ajiss-452	251	25	number	number	NOUN
ajiss-452	251	26	of	of	ADP
ajiss-452	251	27	people	people	NOUN
ajiss-452	251	28	who	who	PRON
ajiss-452	251	29	depend	depend	VERB
ajiss-452	251	30	on	on	ADP
ajiss-452	251	31	charity	charity	NOUN
ajiss-452	251	32	and	and	CCONJ
ajiss-452	251	33	public	public	ADJ
ajiss-452	251	34	relief.32	relief.32	VERB
ajiss-452	251	35	this	this	DET
ajiss-452	251	36	spirit	spirit	NOUN
ajiss-452	251	37	of	of	ADP
ajiss-452	251	38	helping	help	VERB
ajiss-452	251	39	one	one	NOUN
ajiss-452	251	40	another	another	DET
ajiss-452	251	41	can	can	AUX
ajiss-452	251	42	also	also	ADV
ajiss-452	251	43	be	be	AUX
ajiss-452	251	44	seen	see	VERB
ajiss-452	251	45	in	in	ADP
ajiss-452	251	46	other	other	ADJ
ajiss-452	251	47	economic	economic	ADJ
ajiss-452	251	48	areas	area	NOUN
ajiss-452	251	49	of	of	ADP
ajiss-452	251	50	society	society	NOUN
ajiss-452	251	51	,	,	PUNCT
ajiss-452	251	52	such	such	ADJ
ajiss-452	251	53	as	as	ADP
ajiss-452	251	54	the	the	DET
ajiss-452	251	55	takaful	takaful	ADJ
ajiss-452	251	56	program	program	NOUN
ajiss-452	251	57	itself	itself	PRON
ajiss-452	251	58	,	,	PUNCT
ajiss-452	251	59	which	which	PRON
ajiss-452	251	60	is	be	AUX
ajiss-452	251	61	based	base	VERB
ajiss-452	251	62	on	on	ADP
ajiss-452	251	63	brotherhood	brotherhood	NOUN
ajiss-452	251	64	,	,	PUNCT
ajiss-452	251	65	solidarity	solidarity	NOUN
ajiss-452	251	66	,	,	PUNCT
ajiss-452	251	67	and	and	CCONJ
ajiss-452	251	68	mutual	mutual	ADJ
ajiss-452	251	69	assistance	assistance	NOUN
ajiss-452	251	70	.	.	PUNCT
ajiss-452	252	1	the	the	DET
ajiss-452	252	2	takaful	takaful	ADJ
ajiss-452	252	3	industry	industry	NOUN
ajiss-452	252	4	needs	need	VERB
ajiss-452	252	5	agents	agent	NOUN
ajiss-452	252	6	to	to	PART
ajiss-452	252	7	fully	fully	ADV
ajiss-452	252	8	explain	explain	VERB
ajiss-452	252	9	the	the	DET
ajiss-452	252	10	concept	concept	NOUN
ajiss-452	252	11	of	of	ADP
ajiss-452	252	12	takaful	takaful	ADJ
ajiss-452	252	13	to	to	ADP
ajiss-452	252	14	the	the	DET
ajiss-452	252	15	public	public	NOUN
ajiss-452	252	16	,	,	PUNCT
ajiss-452	252	17	the	the	DET
ajiss-452	252	18	majority	majority	NOUN
ajiss-452	252	19	of	of	ADP
ajiss-452	252	20	whom	whom	PRON
ajiss-452	252	21	remain	remain	VERB
ajiss-452	252	22	unaware	unaware	ADJ
ajiss-452	252	23	of	of	ADP
ajiss-452	252	24	the	the	DET
ajiss-452	252	25	need	need	NOUN
ajiss-452	252	26	to	to	PART
ajiss-452	252	27	insure	insure	VERB
ajiss-452	252	28	themselves	themselves	PRON
ajiss-452	252	29	against	against	ADP
ajiss-452	252	30	possible	possible	ADJ
ajiss-452	252	31	tragedy	tragedy	NOUN
ajiss-452	252	32	.	.	PUNCT
ajiss-452	253	1	more	more	ADV
ajiss-452	253	2	importantly	importantly	ADV
ajiss-452	253	3	,	,	PUNCT
ajiss-452	253	4	agents	agent	NOUN
ajiss-452	253	5	play	play	VERB
ajiss-452	253	6	a	a	DET
ajiss-452	253	7	vital	vital	ADJ
ajiss-452	253	8	role	role	NOUN
ajiss-452	253	9	in	in	ADP
ajiss-452	253	10	explaining	explain	VERB
ajiss-452	253	11	the	the	DET
ajiss-452	253	12	beauty	beauty	NOUN
ajiss-452	253	13	of	of	ADP
ajiss-452	253	14	tabarru	tabarru	NOUN
ajiss-452	253	15	`	`	PUNCT
ajiss-452	253	16	in	in	ADP
ajiss-452	253	17	takaful	takaful	ADJ
ajiss-452	253	18	,	,	PUNCT
ajiss-452	253	19	which	which	PRON
ajiss-452	253	20	differentiates	differentiate	VERB
ajiss-452	253	21	it	it	PRON
ajiss-452	253	22	from	from	ADP
ajiss-452	253	23	conventional	conventional	ADJ
ajiss-452	253	24	insurance	insurance	NOUN
ajiss-452	253	25	,	,	PUNCT
ajiss-452	253	26	for	for	SCONJ
ajiss-452	253	27	this	this	DET
ajiss-452	253	28	principle	principle	NOUN
ajiss-452	253	29	islamizes	islamize	VERB
ajiss-452	253	30	insurance	insurance	NOUN
ajiss-452	253	31	and	and	CCONJ
ajiss-452	253	32	brings	bring	VERB
ajiss-452	253	33	it	it	PRON
ajiss-452	253	34	into	into	ADP
ajiss-452	253	35	compliance	compliance	NOUN
ajiss-452	253	36	with	with	ADP
ajiss-452	253	37	the	the	DET
ajiss-452	253	38	shari`ah	shari`ah	PROPN
ajiss-452	253	39	.	.	PUNCT
ajiss-452	254	1	given	give	VERB
ajiss-452	254	2	that	that	DET
ajiss-452	254	3	takaful	takaful	NOUN
ajiss-452	254	4	is	be	AUX
ajiss-452	254	5	meant	mean	VERB
ajiss-452	254	6	for	for	ADP
ajiss-452	254	7	everyone	everyone	PRON
ajiss-452	254	8	at	at	ADP
ajiss-452	254	9	every	every	DET
ajiss-452	254	10	time	time	NOUN
ajiss-452	254	11	,	,	PUNCT
ajiss-452	254	12	not	not	PART
ajiss-452	254	13	just	just	ADV
ajiss-452	254	14	for	for	ADP
ajiss-452	254	15	muslims	muslim	NOUN
ajiss-452	254	16	and	and	CCONJ
ajiss-452	254	17	at	at	ADP
ajiss-452	254	18	this	this	DET
ajiss-452	254	19	moment	moment	NOUN
ajiss-452	254	20	in	in	ADP
ajiss-452	254	21	time	time	NOUN
ajiss-452	254	22	,	,	PUNCT
ajiss-452	254	23	there	there	PRON
ajiss-452	254	24	is	be	VERB
ajiss-452	254	25	no	no	DET
ajiss-452	254	26	other	other	ADJ
ajiss-452	254	27	viable	viable	ADJ
ajiss-452	254	28	way	way	NOUN
ajiss-452	254	29	of	of	ADP
ajiss-452	254	30	spreading	spread	VERB
ajiss-452	254	31	these	these	DET
ajiss-452	254	32	messages	message	NOUN
ajiss-452	254	33	to	to	ADP
ajiss-452	254	34	the	the	DET
ajiss-452	254	35	public	public	NOUN
ajiss-452	254	36	other	other	ADJ
ajiss-452	254	37	than	than	ADP
ajiss-452	254	38	through	through	ADP
ajiss-452	254	39	agents	agent	NOUN
ajiss-452	254	40	.	.	PUNCT
ajiss-452	255	1	agents	agent	NOUN
ajiss-452	255	2	also	also	ADV
ajiss-452	255	3	provide	provide	VERB
ajiss-452	255	4	many	many	ADJ
ajiss-452	255	5	advantages	advantage	NOUN
ajiss-452	255	6	to	to	ADP
ajiss-452	255	7	the	the	DET
ajiss-452	255	8	company	company	NOUN
ajiss-452	255	9	in	in	ADP
ajiss-452	255	10	terms	term	NOUN
ajiss-452	255	11	of	of	ADP
ajiss-452	255	12	improving	improve	VERB
ajiss-452	255	13	its	its	PRON
ajiss-452	255	14	performance	performance	NOUN
ajiss-452	255	15	.	.	PUNCT
ajiss-452	256	1	in	in	ADP
ajiss-452	256	2	return	return	NOUN
ajiss-452	256	3	,	,	PUNCT
ajiss-452	256	4	the	the	DET
ajiss-452	256	5	takaful	takaful	ADJ
ajiss-452	256	6	industry	industry	NOUN
ajiss-452	256	7	provides	provide	VERB
ajiss-452	256	8	the	the	DET
ajiss-452	256	9	avenue	avenue	NOUN
ajiss-452	256	10	for	for	SCONJ
ajiss-452	256	11	agents	agent	NOUN
ajiss-452	256	12	to	to	PART
ajiss-452	256	13	hone	hone	VERB
ajiss-452	256	14	their	their	PRON
ajiss-452	256	15	entrepreneurial	entrepreneurial	ADJ
ajiss-452	256	16	skills	skill	NOUN
ajiss-452	256	17	by	by	ADP
ajiss-452	256	18	building	build	VERB
ajiss-452	256	19	a	a	DET
ajiss-452	256	20	sort	sort	NOUN
ajiss-452	256	21	of	of	ADP
ajiss-452	256	22	a	a	DET
ajiss-452	256	23	mini	mini	NOUN
ajiss-452	256	24	-	-	NOUN
ajiss-452	256	25	business33	business33	NOUN
ajiss-452	256	26	on	on	ADP
ajiss-452	256	27	which	which	PRON
ajiss-452	256	28	they	they	PRON
ajiss-452	256	29	can	can	AUX
ajiss-452	256	30	capitalize	capitalize	VERB
ajiss-452	256	31	.	.	PUNCT
ajiss-452	257	1	it	it	PRON
ajiss-452	257	2	also	also	ADV
ajiss-452	257	3	provides	provide	VERB
ajiss-452	257	4	the	the	DET
ajiss-452	257	5	means	mean	NOUN
ajiss-452	257	6	for	for	SCONJ
ajiss-452	257	7	them	they	PRON
ajiss-452	257	8	to	to	PART
ajiss-452	257	9	accumulate	accumulate	VERB
ajiss-452	257	10	personal	personal	ADJ
ajiss-452	257	11	income	income	NOUN
ajiss-452	257	12	and	and	CCONJ
ajiss-452	257	13	wealth	wealth	NOUN
ajiss-452	257	14	by	by	ADP
ajiss-452	257	15	receiving	receive	VERB
ajiss-452	257	16	a	a	DET
ajiss-452	257	17	commission	commission	NOUN
ajiss-452	257	18	on	on	ADP
ajiss-452	257	19	their	their	PRON
ajiss-452	257	20	sales	sale	NOUN
ajiss-452	257	21	.	.	PUNCT
ajiss-452	258	1	by	by	ADP
ajiss-452	258	2	employing	employ	VERB
ajiss-452	258	3	agents	agent	NOUN
ajiss-452	258	4	,	,	PUNCT
ajiss-452	258	5	takaful	takaful	ADJ
ajiss-452	258	6	companies	company	NOUN
ajiss-452	258	7	help	help	VERB
ajiss-452	258	8	reduce	reduce	VERB
ajiss-452	258	9	the	the	DET
ajiss-452	258	10	prevailing	prevail	VERB
ajiss-452	258	11	unemployment	unemployment	NOUN
ajiss-452	258	12	rate	rate	NOUN
ajiss-452	258	13	in	in	ADP
ajiss-452	258	14	a	a	DET
ajiss-452	258	15	developing	develop	VERB
ajiss-452	258	16	country	country	NOUN
ajiss-452	258	17	,	,	PUNCT
ajiss-452	258	18	such	such	ADJ
ajiss-452	258	19	as	as	ADP
ajiss-452	258	20	malaysia	malaysia	PROPN
ajiss-452	258	21	.	.	PUNCT
ajiss-452	259	1	both	both	CCONJ
ajiss-452	259	2	the	the	DET
ajiss-452	259	3	symbiotic	symbiotic	ADJ
ajiss-452	259	4	interactions	interaction	NOUN
ajiss-452	259	5	between	between	ADP
ajiss-452	259	6	the	the	DET
ajiss-452	259	7	industry	industry	NOUN
ajiss-452	259	8	and	and	CCONJ
ajiss-452	259	9	the	the	DET
ajiss-452	259	10	agents	agent	NOUN
ajiss-452	259	11	contribute	contribute	VERB
ajiss-452	259	12	positively	positively	ADV
ajiss-452	259	13	to	to	ADP
ajiss-452	259	14	the	the	DET
ajiss-452	259	15	country	country	NOUN
ajiss-452	259	16	’s	’s	PART
ajiss-452	259	17	development	development	NOUN
ajiss-452	259	18	,	,	PUNCT
ajiss-452	259	19	especially	especially	ADV
ajiss-452	259	20	by	by	ADP
ajiss-452	259	21	mobilizing	mobilize	VERB
ajiss-452	259	22	and	and	CCONJ
ajiss-452	259	23	distributing	distribute	VERB
ajiss-452	259	24	wealth	wealth	NOUN
ajiss-452	259	25	,	,	PUNCT
ajiss-452	259	26	both	both	PRON
ajiss-452	259	27	of	of	ADP
ajiss-452	259	28	which	which	PRON
ajiss-452	259	29	are	be	AUX
ajiss-452	259	30	vital	vital	ADJ
ajiss-452	259	31	for	for	ADP
ajiss-452	259	32	economic	economic	ADJ
ajiss-452	259	33	prosperity	prosperity	NOUN
ajiss-452	259	34	.	.	PUNCT
ajiss-452	260	1	conclusion	conclusion	NOUN
ajiss-452	260	2	and	and	CCONJ
ajiss-452	260	3	implications	implication	NOUN
ajiss-452	260	4	the	the	DET
ajiss-452	260	5	emergence	emergence	NOUN
ajiss-452	260	6	of	of	ADP
ajiss-452	260	7	the	the	DET
ajiss-452	260	8	concept	concept	NOUN
ajiss-452	260	9	of	of	ADP
ajiss-452	260	10	agency	agency	NOUN
ajiss-452	260	11	is	be	AUX
ajiss-452	260	12	vital	vital	ADJ
ajiss-452	260	13	to	to	ADP
ajiss-452	260	14	all	all	DET
ajiss-452	260	15	people	people	NOUN
ajiss-452	260	16	,	,	PUNCT
ajiss-452	260	17	as	as	SCONJ
ajiss-452	260	18	it	it	PRON
ajiss-452	260	19	is	be	AUX
ajiss-452	260	20	practiced	practice	VERB
ajiss-452	260	21	on	on	ADP
ajiss-452	260	22	a	a	DET
ajiss-452	260	23	large	large	ADJ
ajiss-452	260	24	scale	scale	NOUN
ajiss-452	260	25	in	in	ADP
ajiss-452	260	26	their	their	PRON
ajiss-452	260	27	daily	daily	ADJ
ajiss-452	260	28	activities	activity	NOUN
ajiss-452	260	29	.	.	PUNCT
ajiss-452	261	1	various	various	ADJ
ajiss-452	261	2	trading	trading	NOUN
ajiss-452	261	3	activities	activity	NOUN
ajiss-452	261	4	,	,	PUNCT
ajiss-452	261	5	such	such	ADJ
ajiss-452	261	6	as	as	ADP
ajiss-452	261	7	investment	investment	NOUN
ajiss-452	261	8	activity	activity	NOUN
ajiss-452	261	9	,	,	PUNCT
ajiss-452	261	10	share	share	NOUN
ajiss-452	261	11	trading	trading	NOUN
ajiss-452	261	12	,	,	PUNCT
ajiss-452	261	13	and	and	CCONJ
ajiss-452	261	14	capital	capital	NOUN
ajiss-452	261	15	investment	investment	NOUN
ajiss-452	261	16	,	,	PUNCT
ajiss-452	261	17	as	as	ADV
ajiss-452	261	18	well	well	ADV
ajiss-452	261	19	as	as	ADP
ajiss-452	261	20	marketing	marketing	NOUN
ajiss-452	261	21	activities	activity	NOUN
ajiss-452	261	22	,	,	PUNCT
ajiss-452	261	23	depend	depend	VERB
ajiss-452	261	24	to	to	ADP
ajiss-452	261	25	a	a	DET
ajiss-452	261	26	large	large	ADJ
ajiss-452	261	27	extent	extent	NOUN
ajiss-452	261	28	on	on	ADP
ajiss-452	261	29	the	the	DET
ajiss-452	261	30	skills	skill	NOUN
ajiss-452	261	31	and	and	CCONJ
ajiss-452	261	32	expertise	expertise	NOUN
ajiss-452	261	33	of	of	ADP
ajiss-452	261	34	intermediaries	intermediary	NOUN
ajiss-452	261	35	.	.	PUNCT
ajiss-452	262	1	their	their	PRON
ajiss-452	262	2	qualifications	qualification	NOUN
ajiss-452	262	3	are	be	AUX
ajiss-452	262	4	essential	essential	ADJ
ajiss-452	262	5	when	when	SCONJ
ajiss-452	262	6	it	it	PRON
ajiss-452	262	7	comes	come	VERB
ajiss-452	262	8	to	to	ADP
ajiss-452	262	9	securing	secure	VERB
ajiss-452	262	10	the	the	DET
ajiss-452	262	11	safety	safety	NOUN
ajiss-452	262	12	of	of	ADP
ajiss-452	262	13	the	the	DET
ajiss-452	262	14	capital	capital	NOUN
ajiss-452	262	15	invested	invest	VERB
ajiss-452	262	16	and	and	CCONJ
ajiss-452	262	17	protecting	protect	VERB
ajiss-452	262	18	the	the	DET
ajiss-452	262	19	rights	right	NOUN
ajiss-452	262	20	of	of	ADP
ajiss-452	262	21	individuals	individual	NOUN
ajiss-452	262	22	from	from	ADP
ajiss-452	262	23	being	be	AUX
ajiss-452	262	24	undermined	undermine	VERB
ajiss-452	262	25	.	.	PUNCT
ajiss-452	263	1	the	the	DET
ajiss-452	263	2	results	result	NOUN
ajiss-452	263	3	obtained	obtain	VERB
ajiss-452	263	4	from	from	ADP
ajiss-452	263	5	my	my	PRON
ajiss-452	263	6	survey	survey	NOUN
ajiss-452	263	7	of	of	ADP
ajiss-452	263	8	sampled	sample	VERB
ajiss-452	263	9	iium	iium	NOUN
ajiss-452	263	10	lecturers	lecturer	NOUN
ajiss-452	263	11	indicate	indicate	VERB
ajiss-452	263	12	that	that	SCONJ
ajiss-452	263	13	they	they	PRON
ajiss-452	263	14	preferred	prefer	VERB
ajiss-452	263	15	to	to	PART
ajiss-452	263	16	purchase	purchase	VERB
ajiss-452	263	17	their	their	PRON
ajiss-452	263	18	takaful	takaful	ADJ
ajiss-452	263	19	plans	plan	NOUN
ajiss-452	263	20	coverage	coverage	NOUN
ajiss-452	263	21	from	from	ADP
ajiss-452	263	22	agents	agent	NOUN
ajiss-452	263	23	.	.	PUNCT
ajiss-452	264	1	the	the	DET
ajiss-452	264	2	results	result	NOUN
ajiss-452	264	3	not	not	PART
ajiss-452	264	4	only	only	ADV
ajiss-452	264	5	showed	show	VERB
ajiss-452	264	6	the	the	DET
ajiss-452	264	7	customers	customer	NOUN
ajiss-452	264	8	’	'	PUNCT
ajiss-452	264	9	buying	buying	NOUN
ajiss-452	264	10	behavior	behavior	NOUN
ajiss-452	264	11	,	,	PUNCT
ajiss-452	264	12	which	which	PRON
ajiss-452	264	13	leads	lead	VERB
ajiss-452	264	14	to	to	ADP
ajiss-452	264	15	customer	customer	NOUN
ajiss-452	264	16	satisfaction	satisfaction	NOUN
ajiss-452	264	17	,	,	PUNCT
ajiss-452	264	18	but	but	CCONJ
ajiss-452	264	19	also	also	ADV
ajiss-452	264	20	reflect	reflect	VERB
ajiss-452	264	21	and	and	CCONJ
ajiss-452	264	22	support	support	VERB
ajiss-452	264	23	the	the	DET
ajiss-452	264	24	results	result	NOUN
ajiss-452	264	25	46	46	NUM
ajiss-452	264	26	the	the	DET
ajiss-452	264	27	american	american	PROPN
ajiss-452	264	28	journal	journal	PROPN
ajiss-452	264	29	of	of	ADP
ajiss-452	264	30	islamic	islamic	ADJ
ajiss-452	264	31	social	social	PROPN
ajiss-452	264	32	sciences	science	NOUN
ajiss-452	264	33	22:1	22:1	NUM
ajiss-452	264	34	obtained	obtain	VERB
ajiss-452	264	35	from	from	ADP
ajiss-452	264	36	a	a	DET
ajiss-452	264	37	comparative	comparative	ADJ
ajiss-452	264	38	financial	financial	ADJ
ajiss-452	264	39	analysis	analysis	NOUN
ajiss-452	264	40	of	of	ADP
ajiss-452	264	41	the	the	DET
ajiss-452	264	42	two	two	NUM
ajiss-452	264	43	companies.34	companies.34	NOUN
ajiss-452	264	44	hence	hence	ADV
ajiss-452	264	45	,	,	PUNCT
ajiss-452	264	46	the	the	DET
ajiss-452	264	47	agency	agency	NOUN
ajiss-452	264	48	system	system	NOUN
ajiss-452	264	49	and	and	CCONJ
ajiss-452	264	50	its	its	PRON
ajiss-452	264	51	agents	agent	NOUN
ajiss-452	264	52	are	be	AUX
ajiss-452	264	53	vital	vital	ADJ
ajiss-452	264	54	factors	factor	NOUN
ajiss-452	264	55	to	to	ADP
ajiss-452	264	56	a	a	DET
ajiss-452	264	57	company	company	NOUN
ajiss-452	264	58	’s	’s	PART
ajiss-452	264	59	performance	performance	NOUN
ajiss-452	264	60	and	and	CCONJ
ajiss-452	264	61	its	its	PRON
ajiss-452	264	62	long	long	ADJ
ajiss-452	264	63	-	-	PUNCT
ajiss-452	264	64	term	term	NOUN
ajiss-452	264	65	survival	survival	NOUN
ajiss-452	264	66	in	in	ADP
ajiss-452	264	67	the	the	DET
ajiss-452	264	68	face	face	NOUN
ajiss-452	264	69	of	of	ADP
ajiss-452	264	70	increased	increase	VERB
ajiss-452	264	71	competition	competition	NOUN
ajiss-452	264	72	.	.	PUNCT
ajiss-452	265	1	consequently	consequently	ADV
ajiss-452	265	2	,	,	PUNCT
ajiss-452	265	3	stmb	stmb	NOUN
ajiss-452	265	4	should	should	AUX
ajiss-452	265	5	reconsider	reconsider	VERB
ajiss-452	265	6	its	its	PRON
ajiss-452	265	7	policy	policy	NOUN
ajiss-452	265	8	of	of	ADP
ajiss-452	265	9	not	not	PART
ajiss-452	265	10	employing	employ	VERB
ajiss-452	265	11	agents	agent	NOUN
ajiss-452	265	12	.	.	PUNCT
ajiss-452	266	1	there	there	PRON
ajiss-452	266	2	are	be	VERB
ajiss-452	266	3	no	no	DET
ajiss-452	266	4	barriers	barrier	NOUN
ajiss-452	266	5	to	to	ADP
ajiss-452	266	6	its	its	PRON
ajiss-452	266	7	implementation	implementation	NOUN
ajiss-452	266	8	,	,	PUNCT
ajiss-452	266	9	either	either	CCONJ
ajiss-452	266	10	from	from	ADP
ajiss-452	266	11	the	the	DET
ajiss-452	266	12	shari`ah	shari`ah	PROPN
ajiss-452	266	13	or	or	CCONJ
ajiss-452	266	14	from	from	ADP
ajiss-452	266	15	other	other	ADJ
ajiss-452	266	16	perspectives	perspective	NOUN
ajiss-452	266	17	.	.	PUNCT
ajiss-452	267	1	it	it	PRON
ajiss-452	267	2	should	should	AUX
ajiss-452	267	3	also	also	ADV
ajiss-452	267	4	rethink	rethink	VERB
ajiss-452	267	5	its	its	PRON
ajiss-452	267	6	current	current	ADJ
ajiss-452	267	7	policy	policy	NOUN
ajiss-452	267	8	of	of	ADP
ajiss-452	267	9	opening	open	VERB
ajiss-452	267	10	up	up	ADP
ajiss-452	267	11	new	new	ADJ
ajiss-452	267	12	branches	branch	NOUN
ajiss-452	267	13	and	and	CCONJ
ajiss-452	267	14	takaful	takaful	ADJ
ajiss-452	267	15	desks	desk	NOUN
ajiss-452	267	16	,	,	PUNCT
ajiss-452	267	17	and	and	CCONJ
ajiss-452	267	18	instead	instead	ADV
ajiss-452	267	19	use	use	VERB
ajiss-452	267	20	its	its	PRON
ajiss-452	267	21	current	current	ADJ
ajiss-452	267	22	branches	branch	NOUN
ajiss-452	267	23	and	and	CCONJ
ajiss-452	267	24	desks	desk	NOUN
ajiss-452	267	25	to	to	PART
ajiss-452	267	26	facilitate	facilitate	VERB
ajiss-452	267	27	the	the	DET
ajiss-452	267	28	agency	agency	NOUN
ajiss-452	267	29	system	system	NOUN
ajiss-452	267	30	.	.	PUNCT
ajiss-452	268	1	the	the	DET
ajiss-452	268	2	above	above	ADJ
ajiss-452	268	3	results	result	NOUN
ajiss-452	268	4	,	,	PUNCT
ajiss-452	268	5	however	however	ADV
ajiss-452	268	6	,	,	PUNCT
ajiss-452	268	7	are	be	AUX
ajiss-452	268	8	just	just	ADV
ajiss-452	268	9	indicative	indicative	ADJ
ajiss-452	268	10	and	and	CCONJ
ajiss-452	268	11	definitely	definitely	ADV
ajiss-452	268	12	not	not	PART
ajiss-452	268	13	conclusive	conclusive	ADJ
ajiss-452	268	14	.	.	PUNCT
ajiss-452	269	1	this	this	DET
ajiss-452	269	2	research	research	NOUN
ajiss-452	269	3	provides	provide	VERB
ajiss-452	269	4	the	the	DET
ajiss-452	269	5	basis	basis	NOUN
ajiss-452	269	6	for	for	ADP
ajiss-452	269	7	future	future	ADJ
ajiss-452	269	8	research	research	NOUN
ajiss-452	269	9	,	,	PUNCT
ajiss-452	269	10	where	where	SCONJ
ajiss-452	269	11	further	further	ADJ
ajiss-452	269	12	empirical	empirical	ADJ
ajiss-452	269	13	evidence	evidence	NOUN
ajiss-452	269	14	is	be	AUX
ajiss-452	269	15	required	require	VERB
ajiss-452	269	16	to	to	PART
ajiss-452	269	17	examine	examine	VERB
ajiss-452	269	18	which	which	PRON
ajiss-452	269	19	takaful	takaful	ADJ
ajiss-452	269	20	sales	sale	NOUN
ajiss-452	269	21	and	and	CCONJ
ajiss-452	269	22	marketing	marketing	NOUN
ajiss-452	269	23	channels	channel	NOUN
ajiss-452	269	24	will	will	AUX
ajiss-452	269	25	be	be	AUX
ajiss-452	269	26	the	the	DET
ajiss-452	269	27	most	most	ADV
ajiss-452	269	28	preferred	prefer	VERB
ajiss-452	269	29	by	by	ADP
ajiss-452	269	30	current	current	ADJ
ajiss-452	269	31	and	and	CCONJ
ajiss-452	269	32	potential	potential	ADJ
ajiss-452	269	33	customers	customer	NOUN
ajiss-452	269	34	.	.	PUNCT
ajiss-452	270	1	a	a	DET
ajiss-452	270	2	larger	large	ADJ
ajiss-452	270	3	sample	sample	NOUN
ajiss-452	270	4	size	size	NOUN
ajiss-452	270	5	and	and	CCONJ
ajiss-452	270	6	extended	extended	ADJ
ajiss-452	270	7	questionnaires	questionnaire	NOUN
ajiss-452	270	8	regarding	regard	VERB
ajiss-452	270	9	customer	customer	NOUN
ajiss-452	270	10	perception	perception	NOUN
ajiss-452	270	11	could	could	AUX
ajiss-452	270	12	be	be	AUX
ajiss-452	270	13	used	use	VERB
ajiss-452	270	14	to	to	PART
ajiss-452	270	15	further	far	ADV
ajiss-452	270	16	enhance	enhance	VERB
ajiss-452	270	17	these	these	DET
ajiss-452	270	18	preliminary	preliminary	ADJ
ajiss-452	270	19	findings	finding	NOUN
ajiss-452	270	20	.	.	PUNCT
ajiss-452	271	1	apart	apart	ADV
ajiss-452	271	2	from	from	ADP
ajiss-452	271	3	this	this	PRON
ajiss-452	271	4	,	,	PUNCT
ajiss-452	271	5	other	other	ADJ
ajiss-452	271	6	samples	sample	NOUN
ajiss-452	271	7	(	(	PUNCT
ajiss-452	271	8	e.g.	e.g.	ADV
ajiss-452	271	9	,	,	PUNCT
ajiss-452	271	10	a	a	DET
ajiss-452	271	11	sample	sample	NOUN
ajiss-452	271	12	of	of	ADP
ajiss-452	271	13	professionals	professional	NOUN
ajiss-452	271	14	in	in	ADP
ajiss-452	271	15	business	business	NOUN
ajiss-452	271	16	firms	firm	NOUN
ajiss-452	271	17	)	)	PUNCT
ajiss-452	271	18	could	could	AUX
ajiss-452	271	19	be	be	AUX
ajiss-452	271	20	added	add	VERB
ajiss-452	271	21	to	to	PART
ajiss-452	271	22	improve	improve	VERB
ajiss-452	271	23	the	the	DET
ajiss-452	271	24	generalizability	generalizability	NOUN
ajiss-452	271	25	of	of	ADP
ajiss-452	271	26	the	the	DET
ajiss-452	271	27	above	above	ADJ
ajiss-452	271	28	results	result	NOUN
ajiss-452	271	29	.	.	PUNCT
ajiss-452	272	1	future	future	ADJ
ajiss-452	272	2	research	research	NOUN
ajiss-452	272	3	could	could	AUX
ajiss-452	272	4	also	also	ADV
ajiss-452	272	5	be	be	AUX
ajiss-452	272	6	extended	extend	VERB
ajiss-452	272	7	to	to	PART
ajiss-452	272	8	include	include	VERB
ajiss-452	272	9	interviews	interview	NOUN
ajiss-452	272	10	with	with	ADP
ajiss-452	272	11	each	each	DET
ajiss-452	272	12	company	company	NOUN
ajiss-452	272	13	’s	’s	PART
ajiss-452	272	14	managing	manage	VERB
ajiss-452	272	15	director	director	NOUN
ajiss-452	272	16	and	and	CCONJ
ajiss-452	272	17	thereby	thereby	ADV
ajiss-452	272	18	reveal	reveal	VERB
ajiss-452	272	19	further	further	ADJ
ajiss-452	272	20	reasons	reason	NOUN
ajiss-452	272	21	for	for	ADP
ajiss-452	272	22	following	follow	VERB
ajiss-452	272	23	the	the	DET
ajiss-452	272	24	chosen	choose	VERB
ajiss-452	272	25	strategy	strategy	NOUN
ajiss-452	272	26	.	.	PUNCT
ajiss-452	273	1	endnotes	endnote	NOUN
ajiss-452	273	2	1	1	NUM
ajiss-452	273	3	.	.	PUNCT
ajiss-452	274	1	bank	bank	PROPN
ajiss-452	274	2	negara	negara	PROPN
ajiss-452	274	3	malaysia	malaysia	PROPN
ajiss-452	274	4	,	,	PUNCT
ajiss-452	274	5	insurance	insurance	NOUN
ajiss-452	274	6	annual	annual	ADJ
ajiss-452	274	7	report	report	NOUN
ajiss-452	274	8	2000	2000	NUM
ajiss-452	274	9	(	(	PUNCT
ajiss-452	274	10	kuala	kuala	PROPN
ajiss-452	274	11	lumpur	lumpur	PROPN
ajiss-452	274	12	:	:	PUNCT
ajiss-452	274	13	bank	bank	PROPN
ajiss-452	274	14	negara	negara	PROPN
ajiss-452	274	15	malaysia	malaysia	PROPN
ajiss-452	274	16	,	,	PUNCT
ajiss-452	274	17	2000	2000	NUM
ajiss-452	274	18	)	)	PUNCT
ajiss-452	274	19	,	,	PUNCT
ajiss-452	274	20	2	2	NUM
ajiss-452	274	21	.	.	SYM
ajiss-452	274	22	2	2	NUM
ajiss-452	274	23	.	.	X
ajiss-452	274	24	ibid	ibid	NOUN
ajiss-452	274	25	.	.	PUNCT
ajiss-452	274	26	,	,	PUNCT
ajiss-452	274	27	b6	b6	NOUN
ajiss-452	274	28	-	-	PUNCT
ajiss-452	274	29	b35	b35	NOUN
ajiss-452	274	30	.	.	PUNCT
ajiss-452	275	1	3	3	X
ajiss-452	275	2	.	.	PUNCT
ajiss-452	275	3	a.	a.	NOUN
ajiss-452	275	4	bhatty	bhatty	PROPN
ajiss-452	275	5	,	,	PUNCT
ajiss-452	275	6	“	"	PUNCT
ajiss-452	275	7	takaful	takaful	ADJ
ajiss-452	275	8	industry	industry	NOUN
ajiss-452	275	9	:	:	PUNCT
ajiss-452	275	10	global	global	ADJ
ajiss-452	275	11	profile	profile	NOUN
ajiss-452	275	12	and	and	CCONJ
ajiss-452	275	13	trends	trend	NOUN
ajiss-452	275	14	,	,	PUNCT
ajiss-452	275	15	”	"	PUNCT
ajiss-452	275	16	new	new	ADJ
ajiss-452	275	17	horizon	horizon	NOUN
ajiss-452	275	18	(	(	PUNCT
ajiss-452	275	19	2001	2001	NUM
ajiss-452	275	20	):	):	PUNCT
ajiss-452	275	21	10	10	NUM
ajiss-452	275	22	-	-	SYM
ajiss-452	275	23	11	11	NUM
ajiss-452	275	24	.	.	PUNCT
ajiss-452	276	1	4	4	X
ajiss-452	276	2	.	.	PUNCT
ajiss-452	276	3	“	"	PUNCT
ajiss-452	276	4	takaful	takaful	ADJ
ajiss-452	276	5	,	,	PUNCT
ajiss-452	276	6	”	"	PUNCT
ajiss-452	276	7	www.salaam.co.uk/themeofthemonth/november02_index.php	www.salaam.co.uk/themeofthemonth/november02_index.php	PROPN
ajiss-452	276	8	.	.	PUNCT
ajiss-452	277	1	retrieved	retrieve	VERB
ajiss-452	277	2	december	december	PROPN
ajiss-452	277	3	9	9	NUM
ajiss-452	277	4	,	,	PUNCT
ajiss-452	277	5	2004	2004	NUM
ajiss-452	277	6	.	.	PUNCT
ajiss-452	278	1	5	5	NUM
ajiss-452	278	2	.	.	X
ajiss-452	278	3	mni	mni	PROPN
ajiss-452	278	4	takaful	takaful	NOUN
ajiss-452	278	5	changed	change	VERB
ajiss-452	278	6	its	its	PRON
ajiss-452	278	7	name	name	NOUN
ajiss-452	278	8	to	to	ADP
ajiss-452	278	9	takaful	takaful	ADJ
ajiss-452	278	10	nasional	nasional	PROPN
ajiss-452	278	11	sdn	sdn	PROPN
ajiss-452	278	12	.	.	PUNCT
ajiss-452	279	1	bhd	bhd	PROPN
ajiss-452	279	2	.	.	PUNCT
ajiss-452	280	1	on	on	ADP
ajiss-452	280	2	december	december	PROPN
ajiss-452	280	3	8	8	NUM
ajiss-452	280	4	,	,	PUNCT
ajiss-452	280	5	1998	1998	NUM
ajiss-452	280	6	.	.	PUNCT
ajiss-452	281	1	6	6	NUM
ajiss-452	281	2	.	.	X
ajiss-452	281	3	non	non	NOUN
ajiss-452	281	4	-	-	NOUN
ajiss-452	281	5	muslims	muslim	NOUN
ajiss-452	281	6	can	can	AUX
ajiss-452	281	7	also	also	ADV
ajiss-452	281	8	benefit	benefit	VERB
ajiss-452	281	9	from	from	ADP
ajiss-452	281	10	the	the	DET
ajiss-452	281	11	services	service	NOUN
ajiss-452	281	12	of	of	ADP
ajiss-452	281	13	takaful	takaful	NOUN
ajiss-452	281	14	.	.	PUNCT
ajiss-452	282	1	7	7	X
ajiss-452	282	2	.	.	X
ajiss-452	282	3	although	although	SCONJ
ajiss-452	282	4	stmb	stmb	NOUN
ajiss-452	282	5	ventured	venture	VERB
ajiss-452	282	6	into	into	ADP
ajiss-452	282	7	the	the	DET
ajiss-452	282	8	overseas	overseas	ADJ
ajiss-452	282	9	market	market	NOUN
ajiss-452	282	10	,	,	PUNCT
ajiss-452	282	11	the	the	DET
ajiss-452	282	12	size	size	NOUN
ajiss-452	282	13	of	of	ADP
ajiss-452	282	14	its	its	PRON
ajiss-452	282	15	investment	investment	NOUN
ajiss-452	282	16	is	be	AUX
ajiss-452	282	17	negligible	negligible	ADJ
ajiss-452	282	18	.	.	PUNCT
ajiss-452	283	1	8	8	X
ajiss-452	283	2	.	.	X
ajiss-452	283	3	bank	bank	PROPN
ajiss-452	283	4	negara	negara	PROPN
ajiss-452	283	5	malaysia	malaysia	PROPN
ajiss-452	283	6	,	,	PUNCT
ajiss-452	283	7	takaful	takaful	ADJ
ajiss-452	283	8	act	act	NOUN
ajiss-452	283	9	1984	1984	NUM
ajiss-452	283	10	and	and	CCONJ
ajiss-452	283	11	regulations	regulation	NOUN
ajiss-452	283	12	(	(	PUNCT
ajiss-452	283	13	kuala	kuala	PROPN
ajiss-452	283	14	lumpur	lumpur	PROPN
ajiss-452	283	15	:	:	PUNCT
ajiss-452	283	16	mdc	mdc	NOUN
ajiss-452	283	17	sdn	sdn	PROPN
ajiss-452	283	18	.	.	PUNCT
ajiss-452	284	1	bhd	bhd	PROPN
ajiss-452	284	2	.	.	PROPN
ajiss-452	284	3	,	,	PUNCT
ajiss-452	284	4	1985	1985	NUM
ajiss-452	284	5	)	)	PUNCT
ajiss-452	284	6	,	,	PUNCT
ajiss-452	284	7	78	78	NUM
ajiss-452	284	8	.	.	NOUN
ajiss-452	284	9	9	9	NUM
ajiss-452	284	10	.	.	X
ajiss-452	284	11	s.	s.	PROPN
ajiss-452	284	12	rosly	rosly	PROPN
ajiss-452	284	13	,	,	PUNCT
ajiss-452	284	14	islamic	islamic	ADJ
ajiss-452	284	15	insurance	insurance	NOUN
ajiss-452	284	16	:	:	PUNCT
ajiss-452	284	17	takaful	takaful	ADJ
ajiss-452	284	18	(	(	PUNCT
ajiss-452	284	19	kuala	kuala	PROPN
ajiss-452	284	20	lumpur	lumpur	PROPN
ajiss-452	284	21	:	:	PUNCT
ajiss-452	284	22	the	the	DET
ajiss-452	284	23	sun	sun	NOUN
ajiss-452	284	24	,	,	PUNCT
ajiss-452	284	25	1996	1996	NUM
ajiss-452	284	26	)	)	PUNCT
ajiss-452	284	27	.	.	PUNCT
ajiss-452	285	1	10	10	X
ajiss-452	285	2	.	.	PUNCT
ajiss-452	286	1	diyat	diyat	NOUN
ajiss-452	286	2	is	be	AUX
ajiss-452	286	3	a	a	DET
ajiss-452	286	4	system	system	NOUN
ajiss-452	286	5	of	of	ADP
ajiss-452	286	6	blood	blood	NOUN
ajiss-452	286	7	money	money	NOUN
ajiss-452	286	8	payments	payment	NOUN
ajiss-452	286	9	practiced	practice	VERB
ajiss-452	286	10	in	in	ADP
ajiss-452	286	11	pre	pre	ADJ
ajiss-452	286	12	-	-	ADJ
ajiss-452	286	13	islamic	islamic	ADJ
ajiss-452	286	14	arabia	arabia	PROPN
ajiss-452	286	15	.	.	PUNCT
ajiss-452	287	1	it	it	PRON
ajiss-452	287	2	was	be	AUX
ajiss-452	287	3	later	later	ADV
ajiss-452	287	4	adopted	adopt	VERB
ajiss-452	287	5	and	and	CCONJ
ajiss-452	287	6	refined	refine	VERB
ajiss-452	287	7	by	by	ADP
ajiss-452	287	8	islam	islam	PROPN
ajiss-452	287	9	.	.	PUNCT
ajiss-452	288	1	see	see	VERB
ajiss-452	288	2	m.	m.	PROPN
ajiss-452	288	3	musleh	musleh	PROPN
ajiss-452	288	4	-	-	PUNCT
ajiss-452	288	5	ud	ud	ADP
ajiss-452	288	6	-	-	PUNCT
ajiss-452	288	7	din	din	NOUN
ajiss-452	288	8	,	,	PUNCT
ajiss-452	288	9	insurance	insurance	NOUN
ajiss-452	288	10	and	and	CCONJ
ajiss-452	288	11	islamic	islamic	ADJ
ajiss-452	288	12	law	law	NOUN
ajiss-452	288	13	(	(	PUNCT
ajiss-452	288	14	new	new	ADJ
ajiss-452	288	15	delhi	delhi	PROPN
ajiss-452	288	16	:	:	PUNCT
ajiss-452	288	17	adam	adam	PROPN
ajiss-452	288	18	publishers	publisher	NOUN
ajiss-452	288	19	and	and	CCONJ
ajiss-452	288	20	distributors	distributor	NOUN
ajiss-452	288	21	,	,	PUNCT
ajiss-452	288	22	1982	1982	NUM
ajiss-452	288	23	)	)	PUNCT
ajiss-452	288	24	,	,	PUNCT
ajiss-452	288	25	1626	1626	NUM
ajiss-452	288	26	.	.	PUNCT
ajiss-452	289	1	annuar	annuar	ADJ
ajiss-452	289	2	:	:	PUNCT
ajiss-452	290	1	al	al	PROPN
ajiss-452	290	2	-	-	PUNCT
ajiss-452	290	3	wakalah	wakalah	PROPN
ajiss-452	290	4	and	and	CCONJ
ajiss-452	290	5	customers	customer	NOUN
ajiss-452	290	6	’	’	PART
ajiss-452	290	7	preferences	preference	NOUN
ajiss-452	290	8	toward	toward	ADP
ajiss-452	290	9	it	it	PRON
ajiss-452	290	10	47	47	NUM
ajiss-452	290	11	11	11	NUM
ajiss-452	290	12	.	.	PUNCT
ajiss-452	291	1	y.	y.	PROPN
ajiss-452	291	2	qaradawi	qaradawi	PROPN
ajiss-452	291	3	,	,	PUNCT
ajiss-452	291	4	the	the	DET
ajiss-452	291	5	lawful	lawful	ADJ
ajiss-452	291	6	and	and	CCONJ
ajiss-452	291	7	the	the	DET
ajiss-452	291	8	prohibited	prohibit	VERB
ajiss-452	291	9	in	in	ADP
ajiss-452	291	10	islam	islam	PROPN
ajiss-452	291	11	(	(	PUNCT
ajiss-452	291	12	malaysian	malaysian	PROPN
ajiss-452	291	13	ed	ed	NOUN
ajiss-452	291	14	.	.	PUNCT
ajiss-452	291	15	)	)	PUNCT
ajiss-452	292	1	(	(	PUNCT
ajiss-452	292	2	petaling	petale	VERB
ajiss-452	292	3	jaya	jaya	PROPN
ajiss-452	292	4	:	:	PUNCT
ajiss-452	292	5	islamic	islamic	PROPN
ajiss-452	292	6	book	book	PROPN
ajiss-452	292	7	trust	trust	PROPN
ajiss-452	292	8	,	,	PUNCT
ajiss-452	292	9	1995	1995	NUM
ajiss-452	292	10	)	)	PUNCT
ajiss-452	292	11	,	,	PUNCT
ajiss-452	292	12	276	276	NUM
ajiss-452	292	13	.	.	PUNCT
ajiss-452	292	14	12	12	NUM
ajiss-452	292	15	.	.	PUNCT
ajiss-452	293	1	t.	t.	PROPN
ajiss-452	293	2	nordin	nordin	PROPN
ajiss-452	293	3	,	,	PUNCT
ajiss-452	293	4	collection	collection	NOUN
ajiss-452	293	5	of	of	ADP
ajiss-452	293	6	articles	article	NOUN
ajiss-452	293	7	on	on	ADP
ajiss-452	293	8	takaful	takaful	ADJ
ajiss-452	293	9	(	(	PUNCT
ajiss-452	293	10	kuala	kuala	PROPN
ajiss-452	293	11	lumpur	lumpur	PROPN
ajiss-452	293	12	:	:	PUNCT
ajiss-452	293	13	malaysian	malaysian	PROPN
ajiss-452	293	14	insurance	insurance	PROPN
ajiss-452	293	15	institute	institute	PROPN
ajiss-452	293	16	,	,	PUNCT
ajiss-452	293	17	2000	2000	NUM
ajiss-452	293	18	)	)	PUNCT
ajiss-452	293	19	.	.	PUNCT
ajiss-452	294	1	13	13	NUM
ajiss-452	294	2	.	.	PUNCT
ajiss-452	295	1	this	this	DET
ajiss-452	295	2	model	model	NOUN
ajiss-452	295	3	was	be	AUX
ajiss-452	295	4	derived	derive	VERB
ajiss-452	295	5	after	after	ADP
ajiss-452	295	6	helpful	helpful	ADJ
ajiss-452	295	7	advice	advice	NOUN
ajiss-452	295	8	and	and	CCONJ
ajiss-452	295	9	insights	insight	NOUN
ajiss-452	295	10	from	from	ADP
ajiss-452	295	11	tardmizi	tardmizi	PROPN
ajiss-452	295	12	nordin	nordin	PROPN
ajiss-452	295	13	,	,	PUNCT
ajiss-452	295	14	formerly	formerly	ADV
ajiss-452	295	15	of	of	ADP
ajiss-452	295	16	the	the	DET
ajiss-452	295	17	malaysian	malaysian	PROPN
ajiss-452	295	18	institute	institute	PROPN
ajiss-452	295	19	of	of	ADP
ajiss-452	295	20	insurance	insurance	NOUN
ajiss-452	295	21	,	,	PUNCT
ajiss-452	295	22	and	and	CCONJ
ajiss-452	295	23	norayu	norayu	PROPN
ajiss-452	295	24	omar	omar	PROPN
ajiss-452	295	25	,	,	PUNCT
ajiss-452	295	26	a	a	DET
ajiss-452	295	27	takaful	takaful	ADJ
ajiss-452	295	28	agent	agent	NOUN
ajiss-452	295	29	for	for	ADP
ajiss-452	295	30	tnsb	tnsb	NOUN
ajiss-452	295	31	.	.	PUNCT
ajiss-452	296	1	14	14	NUM
ajiss-452	296	2	.	.	PUNCT
ajiss-452	297	1	for	for	ADP
ajiss-452	297	2	the	the	DET
ajiss-452	297	3	purpose	purpose	NOUN
ajiss-452	297	4	of	of	ADP
ajiss-452	297	5	investments	investment	NOUN
ajiss-452	297	6	,	,	PUNCT
ajiss-452	297	7	both	both	DET
ajiss-452	297	8	accounts	account	NOUN
ajiss-452	297	9	will	will	AUX
ajiss-452	297	10	be	be	AUX
ajiss-452	297	11	combined	combine	VERB
ajiss-452	297	12	and	and	CCONJ
ajiss-452	297	13	the	the	DET
ajiss-452	297	14	returns	return	NOUN
ajiss-452	297	15	from	from	ADP
ajiss-452	297	16	investments	investment	NOUN
ajiss-452	297	17	will	will	AUX
ajiss-452	297	18	be	be	AUX
ajiss-452	297	19	shared	share	VERB
ajiss-452	297	20	using	use	VERB
ajiss-452	297	21	the	the	DET
ajiss-452	297	22	agreed	agree	VERB
ajiss-452	297	23	-	-	PUNCT
ajiss-452	297	24	upon	upon	NOUN
ajiss-452	297	25	mudarabah	mudarabah	NOUN
ajiss-452	297	26	profit	profit	NOUN
ajiss-452	297	27	sharing	sharing	NOUN
ajiss-452	297	28	ratio	ratio	NOUN
ajiss-452	297	29	between	between	ADP
ajiss-452	297	30	the	the	DET
ajiss-452	297	31	companies	company	NOUN
ajiss-452	297	32	and	and	CCONJ
ajiss-452	297	33	the	the	DET
ajiss-452	297	34	participants	participant	NOUN
ajiss-452	297	35	.	.	PUNCT
ajiss-452	298	1	15	15	X
ajiss-452	298	2	.	.	PUNCT
ajiss-452	299	1	although	although	SCONJ
ajiss-452	299	2	wakala	wakala	PROPN
ajiss-452	299	3	appears	appear	VERB
ajiss-452	299	4	in	in	ADP
ajiss-452	299	5	several	several	ADJ
ajiss-452	299	6	places	place	NOUN
ajiss-452	299	7	,	,	PUNCT
ajiss-452	299	8	they	they	PRON
ajiss-452	299	9	are	be	AUX
ajiss-452	299	10	all	all	ADV
ajiss-452	299	11	used	use	VERB
ajiss-452	299	12	to	to	PART
ajiss-452	299	13	indicate	indicate	VERB
ajiss-452	299	14	“	"	PUNCT
ajiss-452	299	15	a	a	DET
ajiss-452	299	16	representation	representation	NOUN
ajiss-452	299	17	of	of	ADP
ajiss-452	299	18	a	a	DET
ajiss-452	299	19	person	person	NOUN
ajiss-452	299	20	on	on	ADP
ajiss-452	299	21	behalf	behalf	NOUN
ajiss-452	299	22	of	of	ADP
ajiss-452	299	23	another	another	DET
ajiss-452	299	24	person	person	NOUN
ajiss-452	299	25	in	in	ADP
ajiss-452	299	26	certain	certain	ADJ
ajiss-452	299	27	dispositions	disposition	NOUN
ajiss-452	299	28	.	.	PUNCT
ajiss-452	299	29	”	"	PUNCT
ajiss-452	300	1	it	it	PRON
ajiss-452	300	2	could	could	AUX
ajiss-452	300	3	mean	mean	VERB
ajiss-452	300	4	hifz	hifz	NOUN
ajiss-452	300	5	(	(	PUNCT
ajiss-452	300	6	to	to	PART
ajiss-452	300	7	preserve	preserve	VERB
ajiss-452	300	8	or	or	CCONJ
ajiss-452	300	9	defend	defend	VERB
ajiss-452	300	10	,	,	PUNCT
ajiss-452	300	11	as	as	ADP
ajiss-452	300	12	in	in	ADP
ajiss-452	300	13	qur’an	qur’an	NOUN
ajiss-452	300	14	3:173	3:173	NUM
ajiss-452	300	15	and	and	CCONJ
ajiss-452	300	16	4:132	4:132	NUM
ajiss-452	300	17	)	)	PUNCT
ajiss-452	300	18	,	,	PUNCT
ajiss-452	300	19	tafwid	tafwid	NOUN
ajiss-452	300	20	(	(	PUNCT
ajiss-452	300	21	to	to	PART
ajiss-452	300	22	entrust	entrust	VERB
ajiss-452	300	23	,	,	PUNCT
ajiss-452	300	24	as	as	ADP
ajiss-452	300	25	in	in	ADP
ajiss-452	300	26	qur’an	qur’an	PROPN
ajiss-452	300	27	3:160	3:160	NUM
ajiss-452	300	28	and	and	CCONJ
ajiss-452	300	29	12:67	12:67	NUM
ajiss-452	300	30	)	)	PUNCT
ajiss-452	300	31	,	,	PUNCT
ajiss-452	300	32	or	or	CCONJ
ajiss-452	300	33	to	to	PART
ajiss-452	300	34	be	be	AUX
ajiss-452	300	35	responsible	responsible	ADJ
ajiss-452	300	36	for	for	ADP
ajiss-452	300	37	arranging	arrange	VERB
ajiss-452	300	38	one	one	NUM
ajiss-452	300	39	’s	’s	PART
ajiss-452	300	40	affair	affair	NOUN
ajiss-452	300	41	(	(	PUNCT
ajiss-452	300	42	qur’an	qur’an	NOUN
ajiss-452	300	43	6:66	6:66	NUM
ajiss-452	300	44	and	and	CCONJ
ajiss-452	300	45	6:107	6:107	NUM
ajiss-452	300	46	)	)	PUNCT
ajiss-452	300	47	.	.	PUNCT
ajiss-452	301	1	16	16	NUM
ajiss-452	301	2	.	.	PUNCT
ajiss-452	302	1	m.	m.	PROPN
ajiss-452	302	2	napiah	napiah	PROPN
ajiss-452	302	3	,	,	PUNCT
ajiss-452	302	4	the	the	DET
ajiss-452	302	5	theory	theory	NOUN
ajiss-452	302	6	of	of	ADP
ajiss-452	302	7	the	the	DET
ajiss-452	302	8	contract	contract	NOUN
ajiss-452	302	9	of	of	ADP
ajiss-452	302	10	agency	agency	PROPN
ajiss-452	302	11	(	(	PUNCT
ajiss-452	302	12	al	al	PROPN
ajiss-452	302	13	-	-	PUNCT
ajiss-452	302	14	wakalah	wakalah	PROPN
ajiss-452	302	15	)	)	PUNCT
ajiss-452	302	16	in	in	ADP
ajiss-452	302	17	islamic	islamic	ADJ
ajiss-452	302	18	law	law	PROPN
ajiss-452	302	19	(	(	PUNCT
ajiss-452	302	20	ph.d	ph.d	PROPN
ajiss-452	302	21	.	.	PUNCT
ajiss-452	303	1	diss	diss	PROPN
ajiss-452	303	2	.	.	PROPN
ajiss-452	303	3	,	,	PUNCT
ajiss-452	303	4	glasgow	glasgow	PROPN
ajiss-452	303	5	:	:	PUNCT
ajiss-452	303	6	university	university	NOUN
ajiss-452	303	7	of	of	ADP
ajiss-452	303	8	glasgow	glasgow	PROPN
ajiss-452	303	9	,	,	PUNCT
ajiss-452	303	10	1995	1995	NUM
ajiss-452	303	11	)	)	PUNCT
ajiss-452	303	12	.	.	PUNCT
ajiss-452	304	1	17	17	NUM
ajiss-452	304	2	.	.	X
ajiss-452	304	3	ibid	ibid	NOUN
ajiss-452	304	4	.	.	PUNCT
ajiss-452	305	1	18	18	NUM
ajiss-452	305	2	.	.	X
ajiss-452	305	3	ibid	ibid	NOUN
ajiss-452	305	4	.	.	PUNCT
ajiss-452	306	1	19	19	NUM
ajiss-452	306	2	.	.	X
ajiss-452	306	3	ibid	ibid	NOUN
ajiss-452	306	4	.	.	PUNCT
ajiss-452	307	1	20	20	NUM
ajiss-452	307	2	.	.	X
ajiss-452	307	3	ibid	ibid	NOUN
ajiss-452	307	4	.	.	PUNCT
ajiss-452	308	1	21	21	NUM
ajiss-452	308	2	.	.	PUNCT
ajiss-452	308	3	added	add	VERB
ajiss-452	308	4	by	by	ADP
ajiss-452	308	5	author	author	NOUN
ajiss-452	308	6	.	.	PUNCT
ajiss-452	309	1	22	22	NUM
ajiss-452	309	2	.	.	PUNCT
ajiss-452	310	1	napiah	napiah	PROPN
ajiss-452	310	2	,	,	PUNCT
ajiss-452	310	3	the	the	DET
ajiss-452	310	4	theory	theory	NOUN
ajiss-452	310	5	of	of	ADP
ajiss-452	310	6	the	the	DET
ajiss-452	310	7	contract	contract	NOUN
ajiss-452	310	8	of	of	ADP
ajiss-452	310	9	agency	agency	NOUN
ajiss-452	310	10	.	.	PUNCT
ajiss-452	311	1	23	23	NUM
ajiss-452	311	2	.	.	PUNCT
ajiss-452	311	3	m.	m.	PROPN
ajiss-452	311	4	f.	f.	PROPN
ajiss-452	311	5	yusof	yusof	PROPN
ajiss-452	311	6	,	,	PUNCT
ajiss-452	311	7	takaful	takaful	ADJ
ajiss-452	311	8	–	–	PUNCT
ajiss-452	311	9	concept	concept	NOUN
ajiss-452	311	10	and	and	CCONJ
ajiss-452	311	11	operational	operational	ADJ
ajiss-452	311	12	system	system	NOUN
ajiss-452	311	13	:	:	PUNCT
ajiss-452	311	14	from	from	ADP
ajiss-452	311	15	the	the	DET
ajiss-452	311	16	practitioner	practitioner	NOUN
ajiss-452	311	17	’s	’s	PART
ajiss-452	311	18	perspectives	perspective	NOUN
ajiss-452	311	19	(	(	PUNCT
ajiss-452	311	20	kuala	kuala	PROPN
ajiss-452	311	21	lumpur	lumpur	PROPN
ajiss-452	311	22	:	:	PUNCT
ajiss-452	311	23	bimb	bimb	PROPN
ajiss-452	311	24	institute	institute	PROPN
ajiss-452	311	25	of	of	ADP
ajiss-452	311	26	research	research	PROPN
ajiss-452	311	27	and	and	CCONJ
ajiss-452	311	28	training	training	NOUN
ajiss-452	311	29	sdn	sdn	PROPN
ajiss-452	311	30	.	.	PUNCT
ajiss-452	312	1	bhd	bhd	PROPN
ajiss-452	312	2	.	.	PROPN
ajiss-452	312	3	,	,	PUNCT
ajiss-452	312	4	1996	1996	NUM
ajiss-452	312	5	)	)	PUNCT
ajiss-452	312	6	,	,	PUNCT
ajiss-452	312	7	20	20	NUM
ajiss-452	312	8	.	.	X
ajiss-452	312	9	24	24	NUM
ajiss-452	312	10	.	.	PUNCT
ajiss-452	313	1	there	there	PRON
ajiss-452	313	2	are	be	VERB
ajiss-452	313	3	four	four	NUM
ajiss-452	313	4	sunni	sunni	ADJ
ajiss-452	313	5	legal	legal	ADJ
ajiss-452	313	6	schools	school	NOUN
ajiss-452	313	7	(	(	PUNCT
ajiss-452	313	8	madhahib	madhahib	NOUN
ajiss-452	313	9	)	)	PUNCT
ajiss-452	313	10	,	,	PUNCT
ajiss-452	313	11	corresponding	correspond	VERB
ajiss-452	313	12	to	to	ADP
ajiss-452	313	13	different	different	ADJ
ajiss-452	313	14	methods	method	NOUN
ajiss-452	313	15	of	of	ADP
ajiss-452	313	16	conducting	conduct	VERB
ajiss-452	313	17	jurisprudence	jurisprudence	NOUN
ajiss-452	313	18	:	:	PUNCT
ajiss-452	313	19	the	the	DET
ajiss-452	313	20	hanafi	hanafi	PROPN
ajiss-452	313	21	,	,	PUNCT
ajiss-452	313	22	maliki	maliki	PROPN
ajiss-452	313	23	,	,	PUNCT
ajiss-452	313	24	shafi`i	shafi`i	NOUN
ajiss-452	313	25	and	and	CCONJ
ajiss-452	313	26	hanbali	hanbali	ADJ
ajiss-452	313	27	.	.	PUNCT
ajiss-452	313	28	25	25	NUM
ajiss-452	313	29	.	.	PUNCT
ajiss-452	314	1	f.	f.	PROPN
ajiss-452	314	2	david	david	PROPN
ajiss-452	314	3	,	,	PUNCT
ajiss-452	314	4	strategic	strategic	ADJ
ajiss-452	314	5	management	management	NOUN
ajiss-452	314	6	concept	concept	NOUN
ajiss-452	314	7	and	and	CCONJ
ajiss-452	314	8	cases	case	NOUN
ajiss-452	314	9	(	(	PUNCT
ajiss-452	314	10	8th	8th	ADJ
ajiss-452	314	11	ed	ed	NOUN
ajiss-452	314	12	.	.	PUNCT
ajiss-452	314	13	)	)	PUNCT
ajiss-452	315	1	(	(	PUNCT
ajiss-452	315	2	new	new	PROPN
ajiss-452	315	3	jersey	jersey	PROPN
ajiss-452	315	4	:	:	PUNCT
ajiss-452	315	5	prentice	prentice	PROPN
ajiss-452	315	6	hall	hall	PROPN
ajiss-452	315	7	international	international	PROPN
ajiss-452	315	8	,	,	PUNCT
ajiss-452	315	9	2001	2001	NUM
ajiss-452	315	10	)	)	PUNCT
ajiss-452	315	11	.	.	PUNCT
ajiss-452	316	1	26	26	NUM
ajiss-452	316	2	.	.	PUNCT
ajiss-452	317	1	t.	t.	PROPN
ajiss-452	317	2	nordin	nordin	PROPN
ajiss-452	317	3	,	,	PUNCT
ajiss-452	317	4	collection	collection	NOUN
ajiss-452	317	5	of	of	ADP
ajiss-452	317	6	articles	article	NOUN
ajiss-452	317	7	on	on	ADP
ajiss-452	317	8	takaful	takaful	ADJ
ajiss-452	317	9	.	.	PUNCT
ajiss-452	318	1	27	27	NUM
ajiss-452	318	2	.	.	PUNCT
ajiss-452	319	1	the	the	DET
ajiss-452	319	2	abbreviations	abbreviation	NOUN
ajiss-452	319	3	follow	follow	VERB
ajiss-452	319	4	what	what	PRON
ajiss-452	319	5	iium	iium	NOUN
ajiss-452	319	6	personnel	personnel	NOUN
ajiss-452	319	7	would	would	AUX
ajiss-452	319	8	normally	normally	ADV
ajiss-452	319	9	use	use	VERB
ajiss-452	319	10	when	when	SCONJ
ajiss-452	319	11	referring	refer	VERB
ajiss-452	319	12	to	to	ADP
ajiss-452	319	13	the	the	DET
ajiss-452	319	14	respective	respective	ADJ
ajiss-452	319	15	kulliyyah	kulliyyah	PROPN
ajiss-452	319	16	.	.	PUNCT
ajiss-452	320	1	28	28	NUM
ajiss-452	320	2	.	.	PUNCT
ajiss-452	321	1	h.	h.	PROPN
ajiss-452	321	2	jantan	jantan	PROPN
ajiss-452	321	3	,	,	PUNCT
ajiss-452	321	4	consumer	consumer	NOUN
ajiss-452	321	5	financing	financing	NOUN
ajiss-452	321	6	:	:	PUNCT
ajiss-452	321	7	a	a	DET
ajiss-452	321	8	study	study	NOUN
ajiss-452	321	9	on	on	ADP
ajiss-452	321	10	the	the	DET
ajiss-452	321	11	perception	perception	NOUN
ajiss-452	321	12	of	of	ADP
ajiss-452	321	13	education	education	NOUN
ajiss-452	321	14	officers	officer	NOUN
ajiss-452	321	15	towards	towards	ADP
ajiss-452	321	16	interest	interest	NOUN
ajiss-452	321	17	free	free	ADJ
ajiss-452	321	18	financing	financing	NOUN
ajiss-452	321	19	(	(	PUNCT
ajiss-452	321	20	master	master	NOUN
ajiss-452	321	21	’s	’s	PART
ajiss-452	321	22	thesis	thesis	NOUN
ajiss-452	321	23	,	,	PUNCT
ajiss-452	321	24	international	international	PROPN
ajiss-452	321	25	islamic	islamic	PROPN
ajiss-452	321	26	university	university	PROPN
ajiss-452	321	27	malaysia	malaysia	PROPN
ajiss-452	321	28	,	,	PUNCT
ajiss-452	321	29	1997	1997	NUM
ajiss-452	321	30	)	)	PUNCT
ajiss-452	321	31	.	.	PUNCT
ajiss-452	322	1	29	29	NUM
ajiss-452	322	2	.	.	PUNCT
ajiss-452	323	1	among	among	ADP
ajiss-452	323	2	the	the	DET
ajiss-452	323	3	circumstances	circumstance	NOUN
ajiss-452	323	4	was	be	AUX
ajiss-452	323	5	that	that	SCONJ
ajiss-452	323	6	the	the	DET
ajiss-452	323	7	survey	survey	NOUN
ajiss-452	323	8	was	be	AUX
ajiss-452	323	9	conducted	conduct	VERB
ajiss-452	323	10	during	during	ADP
ajiss-452	323	11	a	a	DET
ajiss-452	323	12	busy	busy	ADJ
ajiss-452	323	13	period	period	NOUN
ajiss-452	323	14	,	,	PUNCT
ajiss-452	323	15	for	for	SCONJ
ajiss-452	323	16	the	the	DET
ajiss-452	323	17	lecturers	lecturer	NOUN
ajiss-452	323	18	were	be	AUX
ajiss-452	323	19	preparing	prepare	VERB
ajiss-452	323	20	for	for	ADP
ajiss-452	323	21	the	the	DET
ajiss-452	323	22	semester	semester	NOUN
ajiss-452	323	23	’s	’s	PART
ajiss-452	323	24	final	final	ADJ
ajiss-452	323	25	examination	examination	NOUN
ajiss-452	323	26	.	.	PUNCT
ajiss-452	324	1	30	30	NUM
ajiss-452	324	2	.	.	PUNCT
ajiss-452	325	1	the	the	DET
ajiss-452	325	2	agents	agent	NOUN
ajiss-452	325	3	’	'	PUNCT
ajiss-452	325	4	training	training	NOUN
ajiss-452	325	5	,	,	PUNCT
ajiss-452	325	6	which	which	PRON
ajiss-452	325	7	is	be	AUX
ajiss-452	325	8	very	very	ADV
ajiss-452	325	9	rigorous	rigorous	ADJ
ajiss-452	325	10	,	,	PUNCT
ajiss-452	325	11	is	be	AUX
ajiss-452	325	12	divided	divide	VERB
ajiss-452	325	13	into	into	ADP
ajiss-452	325	14	two	two	NUM
ajiss-452	325	15	stages	stage	NOUN
ajiss-452	325	16	:	:	PUNCT
ajiss-452	325	17	training	training	NOUN
ajiss-452	325	18	before	before	ADV
ajiss-452	325	19	and	and	CCONJ
ajiss-452	325	20	training	training	NOUN
ajiss-452	325	21	after	after	SCONJ
ajiss-452	325	22	the	the	DET
ajiss-452	325	23	license	license	NOUN
ajiss-452	325	24	has	have	AUX
ajiss-452	325	25	been	be	AUX
ajiss-452	325	26	granted	grant	VERB
ajiss-452	325	27	.	.	PUNCT
ajiss-452	326	1	this	this	DET
ajiss-452	326	2	training	training	NOUN
ajiss-452	326	3	is	be	AUX
ajiss-452	326	4	usually	usually	ADV
ajiss-452	326	5	conducted	conduct	VERB
ajiss-452	326	6	in	in	ADP
ajiss-452	326	7	-	-	PUNCT
ajiss-452	326	8	house	house	NOUN
ajiss-452	326	9	.	.	PUNCT
ajiss-452	327	1	before	before	ADP
ajiss-452	327	2	receiving	receive	VERB
ajiss-452	327	3	the	the	DET
ajiss-452	327	4	license	license	NOUN
ajiss-452	327	5	,	,	PUNCT
ajiss-452	327	6	all	all	DET
ajiss-452	327	7	prospective	prospective	ADJ
ajiss-452	327	8	agents	agent	NOUN
ajiss-452	327	9	must	must	AUX
ajiss-452	327	10	study	study	VERB
ajiss-452	327	11	many	many	ADJ
ajiss-452	327	12	modules	module	NOUN
ajiss-452	327	13	and	and	CCONJ
ajiss-452	327	14	topics	topic	NOUN
ajiss-452	327	15	that	that	PRON
ajiss-452	327	16	prepare	prepare	VERB
ajiss-452	327	17	them	they	PRON
ajiss-452	327	18	for	for	ADP
ajiss-452	327	19	the	the	DET
ajiss-452	327	20	agent	agent	NOUN
ajiss-452	327	21	’s	’s	PART
ajiss-452	327	22	examination	examination	NOUN
ajiss-452	327	23	.	.	PUNCT
ajiss-452	328	1	after	after	SCONJ
ajiss-452	328	2	the	the	DET
ajiss-452	328	3	license	license	NOUN
ajiss-452	328	4	is	be	AUX
ajiss-452	328	5	granted	grant	VERB
ajiss-452	328	6	,	,	PUNCT
ajiss-452	328	7	they	they	PRON
ajiss-452	328	8	undergo	undergo	VERB
ajiss-452	328	9	more	more	ADJ
ajiss-452	328	10	training	training	NOUN
ajiss-452	328	11	designed	design	VERB
ajiss-452	328	12	to	to	ADP
ajiss-452	328	13	48	48	NUM
ajiss-452	328	14	the	the	DET
ajiss-452	328	15	american	american	PROPN
ajiss-452	328	16	journal	journal	PROPN
ajiss-452	328	17	of	of	ADP
ajiss-452	328	18	islamic	islamic	ADJ
ajiss-452	328	19	social	social	PROPN
ajiss-452	328	20	sciences	science	NOUN
ajiss-452	328	21	22:1	22:1	NUM
ajiss-452	328	22	further	further	ADJ
ajiss-452	328	23	instill	instill	NOUN
ajiss-452	328	24	in	in	ADP
ajiss-452	328	25	them	they	PRON
ajiss-452	328	26	the	the	DET
ajiss-452	328	27	positive	positive	ADJ
ajiss-452	328	28	values	value	NOUN
ajiss-452	328	29	of	of	ADP
ajiss-452	328	30	becoming	become	VERB
ajiss-452	328	31	dedicated	dedicate	VERB
ajiss-452	328	32	,	,	PUNCT
ajiss-452	328	33	committed	committed	ADJ
ajiss-452	328	34	,	,	PUNCT
ajiss-452	328	35	and	and	CCONJ
ajiss-452	328	36	successful	successful	ADJ
ajiss-452	328	37	islamic	islamic	ADJ
ajiss-452	328	38	agents	agent	NOUN
ajiss-452	328	39	.	.	PUNCT
ajiss-452	329	1	apart	apart	ADV
ajiss-452	329	2	from	from	ADP
ajiss-452	329	3	this	this	DET
ajiss-452	329	4	training	training	NOUN
ajiss-452	329	5	and	and	CCONJ
ajiss-452	329	6	coursework	coursework	NOUN
ajiss-452	329	7	,	,	PUNCT
ajiss-452	329	8	agents	agent	NOUN
ajiss-452	329	9	are	be	AUX
ajiss-452	329	10	also	also	ADV
ajiss-452	329	11	sent	send	VERB
ajiss-452	329	12	to	to	ADP
ajiss-452	329	13	various	various	ADJ
ajiss-452	329	14	seminars	seminar	NOUN
ajiss-452	329	15	and	and	CCONJ
ajiss-452	329	16	conventions	convention	NOUN
ajiss-452	329	17	conducted	conduct	VERB
ajiss-452	329	18	by	by	ADP
ajiss-452	329	19	such	such	ADJ
ajiss-452	329	20	professional	professional	ADJ
ajiss-452	329	21	bodies	body	NOUN
ajiss-452	329	22	as	as	ADP
ajiss-452	329	23	the	the	DET
ajiss-452	329	24	malaysian	malaysian	PROPN
ajiss-452	329	25	insurance	insurance	PROPN
ajiss-452	329	26	institute	institute	PROPN
ajiss-452	329	27	.	.	PUNCT
ajiss-452	330	1	31	31	NUM
ajiss-452	330	2	.	.	PUNCT
ajiss-452	331	1	the	the	DET
ajiss-452	331	2	bank	bank	NOUN
ajiss-452	331	3	negara	negara	PROPN
ajiss-452	331	4	malaysia	malaysia	PROPN
ajiss-452	331	5	takaful	takaful	ADJ
ajiss-452	331	6	annual	annual	ADJ
ajiss-452	331	7	report	report	NOUN
ajiss-452	331	8	2000	2000	NUM
ajiss-452	331	9	stated	state	VERB
ajiss-452	331	10	that	that	SCONJ
ajiss-452	331	11	31	31	NUM
ajiss-452	331	12	written	write	VERB
ajiss-452	331	13	complaints	complaint	NOUN
ajiss-452	331	14	were	be	AUX
ajiss-452	331	15	filed	file	VERB
ajiss-452	331	16	against	against	ADP
ajiss-452	331	17	takaful	takaful	ADJ
ajiss-452	331	18	companies	company	NOUN
ajiss-452	331	19	for	for	ADP
ajiss-452	331	20	the	the	DET
ajiss-452	331	21	year	year	NOUN
ajiss-452	331	22	2000	2000	NUM
ajiss-452	331	23	..	..	PUNCT
ajiss-452	331	24	most	most	ADJ
ajiss-452	331	25	of	of	ADP
ajiss-452	331	26	them	they	PRON
ajiss-452	331	27	were	be	AUX
ajiss-452	331	28	related	relate	VERB
ajiss-452	331	29	to	to	ADP
ajiss-452	331	30	delays	delay	NOUN
ajiss-452	331	31	in	in	ADP
ajiss-452	331	32	settlement	settlement	NOUN
ajiss-452	331	33	claims	claim	NOUN
ajiss-452	331	34	and	and	CCONJ
ajiss-452	331	35	in	in	ADP
ajiss-452	331	36	replies	reply	NOUN
ajiss-452	331	37	to	to	ADP
ajiss-452	331	38	correspondence	correspondence	NOUN
ajiss-452	331	39	,	,	PUNCT
ajiss-452	331	40	repudiation	repudiation	NOUN
ajiss-452	331	41	of	of	ADP
ajiss-452	331	42	claims	claim	NOUN
ajiss-452	331	43	,	,	PUNCT
ajiss-452	331	44	or	or	CCONJ
ajiss-452	331	45	disputes	dispute	NOUN
ajiss-452	331	46	about	about	ADP
ajiss-452	331	47	the	the	DET
ajiss-452	331	48	claim	claim	NOUN
ajiss-452	331	49	’s	’s	PART
ajiss-452	331	50	amount	amount	NOUN
ajiss-452	331	51	.	.	PUNCT
ajiss-452	332	1	the	the	DET
ajiss-452	332	2	report	report	NOUN
ajiss-452	332	3	went	go	VERB
ajiss-452	332	4	on	on	ADP
ajiss-452	332	5	to	to	PART
ajiss-452	332	6	record	record	VERB
ajiss-452	332	7	that	that	SCONJ
ajiss-452	332	8	the	the	DET
ajiss-452	332	9	complaints	complaint	NOUN
ajiss-452	332	10	were	be	AUX
ajiss-452	332	11	resolved	resolve	VERB
ajiss-452	332	12	.	.	PUNCT
ajiss-452	333	1	32	32	NUM
ajiss-452	333	2	.	.	PUNCT
ajiss-452	333	3	national	national	PROPN
ajiss-452	333	4	association	association	PROPN
ajiss-452	333	5	of	of	ADP
ajiss-452	333	6	malaysian	malaysian	ADJ
ajiss-452	333	7	life	life	NOUN
ajiss-452	333	8	insurance	insurance	NOUN
ajiss-452	333	9	agents	agent	NOUN
ajiss-452	333	10	,	,	PUNCT
ajiss-452	333	11	life	life	NOUN
ajiss-452	333	12	practitioners	practitioner	NOUN
ajiss-452	333	13	council	council	PROPN
ajiss-452	333	14	:	:	PUNCT
ajiss-452	333	15	module	module	NOUN
ajiss-452	333	16	is1	is1	NOUN
ajiss-452	333	17	–	–	PUNCT
ajiss-452	333	18	personal	personal	ADJ
ajiss-452	333	19	insurance	insurance	NOUN
ajiss-452	333	20	marketing	marketing	NOUN
ajiss-452	333	21	(	(	PUNCT
ajiss-452	333	22	kuala	kuala	PROPN
ajiss-452	333	23	lumpur	lumpur	PROPN
ajiss-452	333	24	:	:	PUNCT
ajiss-452	333	25	national	national	PROPN
ajiss-452	333	26	association	association	PROPN
ajiss-452	333	27	of	of	ADP
ajiss-452	333	28	malaysian	malaysian	ADJ
ajiss-452	333	29	life	life	NOUN
ajiss-452	333	30	insurance	insurance	NOUN
ajiss-452	333	31	agents	agent	NOUN
ajiss-452	333	32	,	,	PUNCT
ajiss-452	333	33	1997	1997	NUM
ajiss-452	333	34	)	)	PUNCT
ajiss-452	333	35	.	.	PUNCT
ajiss-452	334	1	33	33	NUM
ajiss-452	334	2	.	.	PUNCT
ajiss-452	334	3	prophet	prophet	PROPN
ajiss-452	334	4	muhammad	muhammad	PROPN
ajiss-452	334	5	(	(	PUNCT
ajiss-452	334	6	pbuh	pbuh	NOUN
ajiss-452	334	7	)	)	PUNCT
ajiss-452	334	8	is	be	AUX
ajiss-452	334	9	reported	report	VERB
ajiss-452	334	10	to	to	PART
ajiss-452	334	11	have	have	AUX
ajiss-452	334	12	encouraged	encourage	VERB
ajiss-452	334	13	muslims	muslim	NOUN
ajiss-452	334	14	to	to	PART
ajiss-452	334	15	take	take	VERB
ajiss-452	334	16	a	a	DET
ajiss-452	334	17	serious	serious	ADJ
ajiss-452	334	18	interest	interest	NOUN
ajiss-452	334	19	in	in	ADP
ajiss-452	334	20	business	business	NOUN
ajiss-452	334	21	:	:	PUNCT
ajiss-452	334	22	“	"	PUNCT
ajiss-452	334	23	i	i	PRON
ajiss-452	334	24	encourage	encourage	VERB
ajiss-452	334	25	you	you	PRON
ajiss-452	334	26	to	to	PART
ajiss-452	334	27	take	take	VERB
ajiss-452	334	28	part	part	NOUN
ajiss-452	334	29	in	in	ADP
ajiss-452	334	30	business	business	NOUN
ajiss-452	334	31	,	,	PUNCT
ajiss-452	334	32	for	for	ADP
ajiss-452	334	33	in	in	ADP
ajiss-452	334	34	it	it	PRON
ajiss-452	334	35	is	be	AUX
ajiss-452	334	36	nine	nine	NUM
ajiss-452	334	37	out	out	ADP
ajiss-452	334	38	of	of	ADP
ajiss-452	334	39	ten	ten	NUM
ajiss-452	334	40	parts	part	NOUN
ajiss-452	334	41	of	of	ADP
ajiss-452	334	42	your	your	PRON
ajiss-452	334	43	sustenance	sustenance	NOUN
ajiss-452	334	44	.	.	PUNCT
ajiss-452	334	45	”	"	PUNCT
ajiss-452	335	1	34	34	NUM
ajiss-452	335	2	.	.	PUNCT
ajiss-452	336	1	h.	h.	PROPN
ajiss-452	336	2	a.	a.	PROPN
ajiss-452	336	3	annuar	annuar	PROPN
ajiss-452	336	4	,	,	PUNCT
ajiss-452	336	5	s.	s.	PROPN
ajiss-452	336	6	rosly	rosly	ADV
ajiss-452	336	7	,	,	PUNCT
ajiss-452	336	8	and	and	CCONJ
ajiss-452	336	9	h.	h.	PROPN
ajiss-452	336	10	m.	m.	PROPN
ajiss-452	336	11	rashid	rashid	PROPN
ajiss-452	336	12	,	,	PUNCT
ajiss-452	336	13	“	"	PUNCT
ajiss-452	336	14	the	the	DET
ajiss-452	336	15	impact	impact	NOUN
ajiss-452	336	16	of	of	ADP
ajiss-452	336	17	al	al	PROPN
ajiss-452	336	18	wakalah	wakalah	PROPN
ajiss-452	336	19	on	on	ADP
ajiss-452	336	20	the	the	DET
ajiss-452	336	21	performance	performance	NOUN
ajiss-452	336	22	of	of	ADP
ajiss-452	336	23	takaful	takaful	ADJ
ajiss-452	336	24	business	business	NOUN
ajiss-452	336	25	in	in	ADP
ajiss-452	336	26	malaysia	malaysia	PROPN
ajiss-452	336	27	”	"	PUNCT
ajiss-452	336	28	(	(	PUNCT
ajiss-452	336	29	paper	paper	NOUN
ajiss-452	336	30	presented	present	VERB
ajiss-452	336	31	at	at	ADP
ajiss-452	336	32	the	the	DET
ajiss-452	336	33	international	international	ADJ
ajiss-452	336	34	islamic	islamic	PROPN
ajiss-452	336	35	banking	banking	PROPN
ajiss-452	336	36	conference	conference	PROPN
ajiss-452	336	37	,	,	PUNCT
ajiss-452	336	38	italy	italy	PROPN
ajiss-452	336	39	,	,	PUNCT
ajiss-452	336	40	2003	2003	NUM
ajiss-452	336	41	)	)	PUNCT
ajiss-452	336	42	.	.	PUNCT
ajiss-452	337	1	annuar	annuar	ADJ
ajiss-452	337	2	:	:	PUNCT
ajiss-452	338	1	al	al	PROPN
ajiss-452	338	2	-	-	PUNCT
ajiss-452	338	3	wakalah	wakalah	PROPN
ajiss-452	338	4	and	and	CCONJ
ajiss-452	338	5	customers	customer	NOUN
ajiss-452	338	6	’	’	PART
ajiss-452	338	7	preferences	preference	NOUN
ajiss-452	338	8	toward	toward	ADP
ajiss-452	338	9	it	it	PRON
ajiss-452	338	10	49	49	NUM