id	sid	tid	token	lemma	pos
ajiss-458	1	1	islamic	islamic	ADJ
ajiss-458	1	2	banking	banking	NOUN
ajiss-458	1	3	and	and	CCONJ
ajiss-458	1	4	finance	finance	NOUN
ajiss-458	1	5	in	in	ADP
ajiss-458	1	6	theory	theory	NOUN
ajiss-458	1	7	and	and	CCONJ
ajiss-458	1	8	practice	practice	NOUN
ajiss-458	1	9	:	:	PUNCT
ajiss-458	1	10	the	the	DET
ajiss-458	1	11	experience	experience	NOUN
ajiss-458	1	12	of	of	ADP
ajiss-458	1	13	malaysia	malaysia	PROPN
ajiss-458	1	14	and	and	CCONJ
ajiss-458	1	15	bahrain	bahrain	PROPN
ajiss-458	1	16	abdus	abdus	PROPN
ajiss-458	1	17	samad	samad	PROPN
ajiss-458	1	18	,	,	PUNCT
ajiss-458	1	19	norman	norman	PROPN
ajiss-458	1	20	d.	d.	PROPN
ajiss-458	1	21	gardner	gardner	PROPN
ajiss-458	1	22	,	,	PUNCT
ajiss-458	1	23	and	and	CCONJ
ajiss-458	1	24	bradley	bradley	PROPN
ajiss-458	1	25	j.	j.	PROPN
ajiss-458	1	26	cook	cook	VERB
ajiss-458	1	27	abstract	abstract	ADV
ajiss-458	1	28	this	this	DET
ajiss-458	1	29	paper	paper	NOUN
ajiss-458	1	30	’s	’s	PART
ajiss-458	1	31	primary	primary	ADJ
ajiss-458	1	32	objective	objective	NOUN
ajiss-458	1	33	is	be	AUX
ajiss-458	1	34	to	to	PART
ajiss-458	1	35	identify	identify	VERB
ajiss-458	1	36	the	the	DET
ajiss-458	1	37	relative	relative	ADJ
ajiss-458	1	38	importance	importance	NOUN
ajiss-458	1	39	of	of	ADP
ajiss-458	1	40	various	various	ADJ
ajiss-458	1	41	islamic	islamic	ADJ
ajiss-458	1	42	financial	financial	ADJ
ajiss-458	1	43	products	product	NOUN
ajiss-458	1	44	,	,	PUNCT
ajiss-458	1	45	in	in	ADP
ajiss-458	1	46	theory	theory	NOUN
ajiss-458	1	47	and	and	CCONJ
ajiss-458	1	48	in	in	ADP
ajiss-458	1	49	practice	practice	NOUN
ajiss-458	1	50	,	,	PUNCT
ajiss-458	1	51	by	by	ADP
ajiss-458	1	52	examining	examine	VERB
ajiss-458	1	53	the	the	DET
ajiss-458	1	54	financing	financing	NOUN
ajiss-458	1	55	records	record	NOUN
ajiss-458	1	56	of	of	ADP
ajiss-458	1	57	the	the	DET
ajiss-458	1	58	bank	bank	NOUN
ajiss-458	1	59	islam	islam	PROPN
ajiss-458	1	60	malaysia	malaysia	PROPN
ajiss-458	1	61	(	(	PUNCT
ajiss-458	1	62	berhad	berhad	PROPN
ajiss-458	1	63	)	)	PUNCT
ajiss-458	1	64	and	and	CCONJ
ajiss-458	1	65	the	the	DET
ajiss-458	1	66	bahrain	bahrain	PROPN
ajiss-458	1	67	islamic	islamic	PROPN
ajiss-458	1	68	bank	bank	PROPN
ajiss-458	1	69	.	.	PUNCT
ajiss-458	2	1	currently	currently	ADV
ajiss-458	2	2	,	,	PUNCT
ajiss-458	2	3	seven	seven	NUM
ajiss-458	2	4	available	available	ADJ
ajiss-458	2	5	islamic	islamic	ADJ
ajiss-458	2	6	financing	financing	NOUN
ajiss-458	2	7	products	product	NOUN
ajiss-458	2	8	are	be	AUX
ajiss-458	2	9	considered	consider	VERB
ajiss-458	2	10	viable	viable	ADJ
ajiss-458	2	11	alternatives	alternative	NOUN
ajiss-458	2	12	to	to	ADP
ajiss-458	2	13	interest	interest	NOUN
ajiss-458	2	14	-	-	PUNCT
ajiss-458	2	15	based	base	VERB
ajiss-458	2	16	conventional	conventional	ADJ
ajiss-458	2	17	contracts	contract	NOUN
ajiss-458	2	18	:	:	PUNCT
ajiss-458	2	19	mudarabah	mudarabah	NOUN
ajiss-458	2	20	(	(	PUNCT
ajiss-458	2	21	trust	trust	NOUN
ajiss-458	2	22	financing	financing	NOUN
ajiss-458	2	23	)	)	PUNCT
ajiss-458	2	24	,	,	PUNCT
ajiss-458	2	25	musharakah	musharakah	PROPN
ajiss-458	2	26	(	(	PUNCT
ajiss-458	2	27	equity	equity	NOUN
ajiss-458	2	28	financing	financing	NOUN
ajiss-458	2	29	)	)	PUNCT
ajiss-458	2	30	,	,	PUNCT
ajiss-458	2	31	ijarah	ijarah	PROPN
ajiss-458	2	32	(	(	PUNCT
ajiss-458	2	33	lease	lease	NOUN
ajiss-458	2	34	financing	financing	NOUN
ajiss-458	2	35	)	)	PUNCT
ajiss-458	2	36	,	,	PUNCT
ajiss-458	2	37	murabahah	murabahah	NOUN
ajiss-458	2	38	(	(	PUNCT
ajiss-458	2	39	trade	trade	NOUN
ajiss-458	2	40	financing	financing	NOUN
ajiss-458	2	41	)	)	PUNCT
ajiss-458	2	42	,	,	PUNCT
ajiss-458	2	43	qard	qard	PROPN
ajiss-458	2	44	al	al	PROPN
ajiss-458	2	45	-	-	PUNCT
ajiss-458	2	46	hassan	hassan	PROPN
ajiss-458	2	47	(	(	PUNCT
ajiss-458	2	48	welfare	welfare	NOUN
ajiss-458	2	49	loan	loan	PROPN
ajiss-458	2	50	)	)	PUNCT
ajiss-458	2	51	,	,	PUNCT
ajiss-458	2	52	bay	bay	PROPN
ajiss-458	2	53	`	`	PUNCT
ajiss-458	2	54	bi	bi	PROPN
ajiss-458	2	55	al	al	PROPN
ajiss-458	2	56	-	-	PUNCT
ajiss-458	2	57	thaman	thaman	PROPN
ajiss-458	2	58	al	al	PROPN
ajiss-458	2	59	-	-	PROPN
ajiss-458	2	60	ajil	ajil	PROPN
ajiss-458	2	61	(	(	PUNCT
ajiss-458	2	62	deferred	defer	VERB
ajiss-458	2	63	payment	payment	NOUN
ajiss-458	2	64	financing	financing	NOUN
ajiss-458	2	65	)	)	PUNCT
ajiss-458	2	66	,	,	PUNCT
ajiss-458	2	67	and	and	CCONJ
ajiss-458	2	68	istisna	istisna	NOUN
ajiss-458	2	69	`	`	PUNCT
ajiss-458	2	70	(	(	PUNCT
ajiss-458	2	71	progressive	progressive	ADJ
ajiss-458	2	72	payments	payment	NOUN
ajiss-458	2	73	)	)	PUNCT
ajiss-458	2	74	.	.	PUNCT
ajiss-458	3	1	among	among	ADP
ajiss-458	3	2	these	these	DET
ajiss-458	3	3	financial	financial	ADJ
ajiss-458	3	4	products	product	NOUN
ajiss-458	3	5	,	,	PUNCT
ajiss-458	3	6	mudarabah	mudarabah	NOUN
ajiss-458	3	7	and	and	CCONJ
ajiss-458	3	8	musharakah	musharakah	NOUN
ajiss-458	3	9	are	be	AUX
ajiss-458	3	10	the	the	DET
ajiss-458	3	11	most	most	ADV
ajiss-458	3	12	distinct	distinct	ADJ
ajiss-458	3	13	.	.	PUNCT
ajiss-458	4	1	their	their	PRON
ajiss-458	4	2	unique	unique	ADJ
ajiss-458	4	3	characteristics	characteristic	NOUN
ajiss-458	4	4	(	(	PUNCT
ajiss-458	4	5	at	at	ADP
ajiss-458	4	6	least	least	ADJ
ajiss-458	4	7	in	in	ADP
ajiss-458	4	8	theory	theory	NOUN
ajiss-458	4	9	)	)	PUNCT
ajiss-458	4	10	make	make	VERB
ajiss-458	4	11	islamic	islamic	ADJ
ajiss-458	4	12	banks	bank	NOUN
ajiss-458	4	13	and	and	CCONJ
ajiss-458	4	14	islamic	islamic	ADJ
ajiss-458	4	15	financing	finance	VERB
ajiss-458	4	16	viable	viable	ADJ
ajiss-458	4	17	alternatives	alternative	NOUN
ajiss-458	4	18	to	to	ADP
ajiss-458	4	19	the	the	DET
ajiss-458	4	20	conventional	conventional	ADJ
ajiss-458	4	21	interest	interest	NOUN
ajiss-458	4	22	-	-	PUNCT
ajiss-458	4	23	based	base	VERB
ajiss-458	4	24	financial	financial	ADJ
ajiss-458	4	25	system	system	NOUN
ajiss-458	4	26	.	.	PUNCT
ajiss-458	5	1	the	the	DET
ajiss-458	5	2	question	question	NOUN
ajiss-458	5	3	before	before	ADP
ajiss-458	5	4	us	we	PRON
ajiss-458	5	5	is	be	AUX
ajiss-458	5	6	to	to	PART
ajiss-458	5	7	determine	determine	VERB
ajiss-458	5	8	the	the	DET
ajiss-458	5	9	extent	extent	NOUN
ajiss-458	5	10	of	of	ADP
ajiss-458	5	11	mudarabah	mudarabah	NOUN
ajiss-458	5	12	and	and	CCONJ
ajiss-458	5	13	musharakah	musharakah	NOUN
ajiss-458	5	14	in	in	ADP
ajiss-458	5	15	islamic	islamic	ADJ
ajiss-458	5	16	financing	financing	NOUN
ajiss-458	5	17	in	in	ADP
ajiss-458	5	18	practice	practice	NOUN
ajiss-458	5	19	.	.	PUNCT
ajiss-458	6	1	the	the	DET
ajiss-458	6	2	data	datum	NOUN
ajiss-458	6	3	are	be	AUX
ajiss-458	6	4	as	as	SCONJ
ajiss-458	6	5	follows	follow	VERB
ajiss-458	6	6	:	:	PUNCT
ajiss-458	6	7	the	the	DET
ajiss-458	6	8	average	average	ADJ
ajiss-458	6	9	mudarabah	mudarabah	NOUN
ajiss-458	6	10	is	be	AUX
ajiss-458	6	11	5	5	NUM
ajiss-458	6	12	%	%	NOUN
ajiss-458	6	13	of	of	ADP
ajiss-458	6	14	total	total	ADJ
ajiss-458	6	15	financing	financing	NOUN
ajiss-458	6	16	,	,	PUNCT
ajiss-458	6	17	and	and	CCONJ
ajiss-458	6	18	the	the	DET
ajiss-458	6	19	average	average	ADJ
ajiss-458	6	20	musharakah	musharakah	NOUN
ajiss-458	6	21	is	be	AUX
ajiss-458	6	22	less	less	ADJ
ajiss-458	6	23	than	than	ADP
ajiss-458	6	24	3	3	NUM
ajiss-458	6	25	%	%	NOUN
ajiss-458	6	26	.	.	PUNCT
ajiss-458	7	1	the	the	DET
ajiss-458	7	2	combined	combined	ADJ
ajiss-458	7	3	average	average	NOUN
ajiss-458	7	4	of	of	ADP
ajiss-458	7	5	mudarabah	mudarabah	NOUN
ajiss-458	7	6	and	and	CCONJ
ajiss-458	7	7	musharakah	musharakah	NOUN
ajiss-458	7	8	for	for	ADP
ajiss-458	7	9	the	the	DET
ajiss-458	7	10	two	two	NUM
ajiss-458	7	11	islamic	islamic	ADJ
ajiss-458	7	12	banks	bank	NOUN
ajiss-458	7	13	is	be	AUX
ajiss-458	7	14	less	less	ADJ
ajiss-458	7	15	than	than	ADP
ajiss-458	7	16	4	4	NUM
ajiss-458	7	17	%	%	NOUN
ajiss-458	7	18	of	of	ADP
ajiss-458	7	19	the	the	DET
ajiss-458	7	20	total	total	ADJ
ajiss-458	7	21	finance	finance	NOUN
ajiss-458	7	22	and	and	CCONJ
ajiss-458	7	23	advances	advance	NOUN
ajiss-458	7	24	.	.	PUNCT
ajiss-458	8	1	the	the	DET
ajiss-458	8	2	average	average	ADJ
ajiss-458	8	3	qard	qard	NOUN
ajiss-458	8	4	alabdus	alabdus	PROPN
ajiss-458	8	5	samad	samad	PROPN
ajiss-458	8	6	,	,	PUNCT
ajiss-458	8	7	ph.d	ph.d	PROPN
ajiss-458	8	8	.	.	PROPN
ajiss-458	8	9	,	,	PUNCT
ajiss-458	8	10	is	be	AUX
ajiss-458	8	11	an	an	DET
ajiss-458	8	12	assistant	assistant	ADJ
ajiss-458	8	13	professor	professor	NOUN
ajiss-458	8	14	in	in	ADP
ajiss-458	8	15	the	the	DET
ajiss-458	8	16	department	department	NOUN
ajiss-458	8	17	of	of	ADP
ajiss-458	8	18	finance	finance	NOUN
ajiss-458	8	19	and	and	CCONJ
ajiss-458	8	20	economics	economic	NOUN
ajiss-458	8	21	,	,	PUNCT
ajiss-458	8	22	utah	utah	PROPN
ajiss-458	8	23	valley	valley	PROPN
ajiss-458	8	24	state	state	PROPN
ajiss-458	8	25	college	college	PROPN
ajiss-458	8	26	,	,	PUNCT
ajiss-458	8	27	orem	orem	PROPN
ajiss-458	8	28	,	,	PUNCT
ajiss-458	8	29	utah	utah	PROPN
ajiss-458	8	30	.	.	PROPN
ajiss-458	9	1	norman	norman	PROPN
ajiss-458	9	2	d.	d.	PROPN
ajiss-458	9	3	gardner	gardner	PROPN
ajiss-458	9	4	,	,	PUNCT
ajiss-458	9	5	ph.d	ph.d	PROPN
ajiss-458	9	6	.	.	PROPN
ajiss-458	9	7	,	,	PUNCT
ajiss-458	9	8	is	be	AUX
ajiss-458	9	9	a	a	DET
ajiss-458	9	10	professor	professor	NOUN
ajiss-458	9	11	in	in	ADP
ajiss-458	9	12	the	the	DET
ajiss-458	9	13	department	department	NOUN
ajiss-458	9	14	of	of	ADP
ajiss-458	9	15	finance	finance	NOUN
ajiss-458	9	16	and	and	CCONJ
ajiss-458	9	17	economics	economic	NOUN
ajiss-458	9	18	,	,	PUNCT
ajiss-458	9	19	utah	utah	PROPN
ajiss-458	9	20	valley	valley	PROPN
ajiss-458	9	21	state	state	PROPN
ajiss-458	9	22	college	college	PROPN
ajiss-458	9	23	,	,	PUNCT
ajiss-458	9	24	orem	orem	PROPN
ajiss-458	9	25	utah	utah	PROPN
ajiss-458	9	26	.	.	PUNCT
ajiss-458	10	1	bradley	bradley	PROPN
ajiss-458	10	2	j.	j.	PROPN
ajiss-458	10	3	cook	cook	PROPN
ajiss-458	10	4	,	,	PUNCT
ajiss-458	10	5	ph.d	ph.d	PROPN
ajiss-458	10	6	.	.	PROPN
ajiss-458	10	7	,	,	PUNCT
ajiss-458	10	8	is	be	AUX
ajiss-458	10	9	vice	vice	NOUN
ajiss-458	10	10	president	president	NOUN
ajiss-458	10	11	of	of	ADP
ajiss-458	10	12	acadmic	acadmic	PROPN
ajiss-458	10	13	affairs	affairs	PROPN
ajiss-458	10	14	,	,	PUNCT
ajiss-458	10	15	utah	utah	PROPN
ajiss-458	10	16	valley	valley	PROPN
ajiss-458	10	17	state	state	PROPN
ajiss-458	10	18	college	college	PROPN
ajiss-458	10	19	,	,	PUNCT
ajiss-458	10	20	orem	orem	PROPN
ajiss-458	10	21	,	,	PUNCT
ajiss-458	10	22	utah	utah	PROPN
ajiss-458	10	23	.	.	PUNCT
ajiss-458	11	1	all	all	DET
ajiss-458	11	2	authors	author	NOUN
ajiss-458	11	3	are	be	AUX
ajiss-458	11	4	grateful	grateful	ADJ
ajiss-458	11	5	for	for	ADP
ajiss-458	11	6	the	the	DET
ajiss-458	11	7	comments	comment	NOUN
ajiss-458	11	8	of	of	ADP
ajiss-458	11	9	the	the	DET
ajiss-458	11	10	reviewers	reviewer	NOUN
ajiss-458	11	11	,	,	PUNCT
ajiss-458	11	12	which	which	PRON
ajiss-458	11	13	have	have	AUX
ajiss-458	11	14	added	add	VERB
ajiss-458	11	15	to	to	ADP
ajiss-458	11	16	the	the	DET
ajiss-458	11	17	quality	quality	NOUN
ajiss-458	11	18	of	of	ADP
ajiss-458	11	19	this	this	DET
ajiss-458	11	20	article	article	NOUN
ajiss-458	11	21	.	.	PUNCT
ajiss-458	12	1	hassan	hassan	PROPN
ajiss-458	12	2	is	be	AUX
ajiss-458	12	3	about	about	ADV
ajiss-458	12	4	4	4	NUM
ajiss-458	12	5	%	%	NOUN
ajiss-458	12	6	,	,	PUNCT
ajiss-458	12	7	while	while	SCONJ
ajiss-458	12	8	istisna	istisna	NOUN
ajiss-458	12	9	`	`	PUNCT
ajiss-458	12	10	does	do	AUX
ajiss-458	12	11	not	not	PART
ajiss-458	12	12	yet	yet	ADV
ajiss-458	12	13	exist	exist	VERB
ajiss-458	12	14	in	in	ADP
ajiss-458	12	15	practice	practice	NOUN
ajiss-458	12	16	.	.	PUNCT
ajiss-458	13	1	murabahah	murabahah	NOUN
ajiss-458	13	2	is	be	AUX
ajiss-458	13	3	the	the	DET
ajiss-458	13	4	most	most	ADV
ajiss-458	13	5	popular	popular	ADJ
ajiss-458	13	6	and	and	CCONJ
ajiss-458	13	7	dominates	dominate	VERB
ajiss-458	13	8	all	all	DET
ajiss-458	13	9	other	other	ADJ
ajiss-458	13	10	modes	mode	NOUN
ajiss-458	13	11	of	of	ADP
ajiss-458	13	12	islamic	islamic	ADJ
ajiss-458	13	13	financing	financing	NOUN
ajiss-458	13	14	.	.	PUNCT
ajiss-458	14	1	the	the	DET
ajiss-458	14	2	average	average	ADJ
ajiss-458	14	3	use	use	NOUN
ajiss-458	14	4	of	of	ADP
ajiss-458	14	5	murabahah	murabahah	NOUN
ajiss-458	14	6	is	be	AUX
ajiss-458	14	7	over	over	ADP
ajiss-458	14	8	54	54	NUM
ajiss-458	14	9	%	%	NOUN
ajiss-458	14	10	.	.	PUNCT
ajiss-458	15	1	when	when	SCONJ
ajiss-458	15	2	the	the	DET
ajiss-458	15	3	bay	bay	NOUN
ajiss-458	15	4	`	`	PUNCT
ajiss-458	15	5	bi	bi	PROPN
ajiss-458	15	6	al	al	PROPN
ajiss-458	15	7	-	-	PUNCT
ajiss-458	15	8	thaman	thaman	PROPN
ajiss-458	15	9	al	al	PROPN
ajiss-458	15	10	-	-	PUNCT
ajiss-458	15	11	ajil	ajil	PROPN
ajiss-458	15	12	is	be	AUX
ajiss-458	15	13	added	add	VERB
ajiss-458	15	14	to	to	ADP
ajiss-458	15	15	the	the	DET
ajiss-458	15	16	murabahah	murabahah	NOUN
ajiss-458	15	17	,	,	PUNCT
ajiss-458	15	18	the	the	DET
ajiss-458	15	19	percentage	percentage	NOUN
ajiss-458	15	20	of	of	ADP
ajiss-458	15	21	total	total	ADJ
ajiss-458	15	22	financing	financing	NOUN
ajiss-458	15	23	is	be	AUX
ajiss-458	15	24	shown	show	VERB
ajiss-458	15	25	to	to	PART
ajiss-458	15	26	be	be	AUX
ajiss-458	15	27	82.68	82.68	NUM
ajiss-458	15	28	%	%	NOUN
ajiss-458	15	29	.	.	PUNCT
ajiss-458	16	1	this	this	DET
ajiss-458	16	2	paper	paper	NOUN
ajiss-458	16	3	also	also	ADV
ajiss-458	16	4	explores	explore	VERB
ajiss-458	16	5	some	some	DET
ajiss-458	16	6	possible	possible	ADJ
ajiss-458	16	7	reasons	reason	NOUN
ajiss-458	16	8	why	why	SCONJ
ajiss-458	16	9	these	these	DET
ajiss-458	16	10	two	two	NUM
ajiss-458	16	11	islamic	islamic	ADJ
ajiss-458	16	12	banks	bank	NOUN
ajiss-458	16	13	appear	appear	VERB
ajiss-458	16	14	to	to	PART
ajiss-458	16	15	prefer	prefer	VERB
ajiss-458	16	16	murabahah	murabahah	NOUN
ajiss-458	16	17	to	to	PART
ajiss-458	16	18	mudarabah	mudarabah	VERB
ajiss-458	16	19	and	and	CCONJ
ajiss-458	16	20	musharakah	musharakah	PROPN
ajiss-458	16	21	.	.	PUNCT
ajiss-458	17	1	introduction	introduction	NOUN
ajiss-458	17	2	islamic	islamic	ADJ
ajiss-458	17	3	banking	banking	NOUN
ajiss-458	17	4	and	and	CCONJ
ajiss-458	17	5	finance	finance	NOUN
ajiss-458	17	6	are	be	AUX
ajiss-458	17	7	emerging	emerge	VERB
ajiss-458	17	8	as	as	ADP
ajiss-458	17	9	viable	viable	ADJ
ajiss-458	17	10	alternatives	alternative	NOUN
ajiss-458	17	11	to	to	ADP
ajiss-458	17	12	conventional	conventional	ADJ
ajiss-458	17	13	interest	interest	NOUN
ajiss-458	17	14	-	-	PUNCT
ajiss-458	17	15	based	base	VERB
ajiss-458	17	16	banking	banking	NOUN
ajiss-458	17	17	and	and	CCONJ
ajiss-458	17	18	financing	financing	NOUN
ajiss-458	17	19	.	.	PUNCT
ajiss-458	18	1	according	accord	VERB
ajiss-458	18	2	to	to	ADP
ajiss-458	18	3	the	the	DET
ajiss-458	18	4	general	general	ADJ
ajiss-458	18	5	council	council	PROPN
ajiss-458	18	6	for	for	ADP
ajiss-458	18	7	islamic	islamic	ADJ
ajiss-458	18	8	banks	bank	NOUN
ajiss-458	18	9	and	and	CCONJ
ajiss-458	18	10	financial	financial	ADJ
ajiss-458	18	11	institutions	institution	NOUN
ajiss-458	18	12	,	,	PUNCT
ajiss-458	18	13	there	there	PRON
ajiss-458	18	14	are	be	VERB
ajiss-458	18	15	currently	currently	ADV
ajiss-458	18	16	275	275	NUM
ajiss-458	18	17	institutions	institution	NOUN
ajiss-458	18	18	worldwide	worldwide	ADV
ajiss-458	18	19	that	that	PRON
ajiss-458	18	20	follow	follow	VERB
ajiss-458	18	21	islamic	islamic	ADJ
ajiss-458	18	22	banking	banking	NOUN
ajiss-458	18	23	and	and	CCONJ
ajiss-458	18	24	financing	financing	NOUN
ajiss-458	18	25	principles	principle	NOUN
ajiss-458	18	26	,	,	PUNCT
ajiss-458	18	27	collectively	collectively	ADV
ajiss-458	18	28	managing	manage	VERB
ajiss-458	18	29	in	in	ADP
ajiss-458	18	30	excess	excess	NOUN
ajiss-458	18	31	of	of	ADP
ajiss-458	18	32	$	$	SYM
ajiss-458	18	33	200	200	NUM
ajiss-458	18	34	billion	billion	NUM
ajiss-458	18	35	.	.	PUNCT
ajiss-458	19	1	these	these	DET
ajiss-458	19	2	institutions	institution	NOUN
ajiss-458	19	3	are	be	AUX
ajiss-458	19	4	spread	spread	VERB
ajiss-458	19	5	throughout	throughout	ADP
ajiss-458	19	6	53	53	NUM
ajiss-458	19	7	countries	country	NOUN
ajiss-458	19	8	,	,	PUNCT
ajiss-458	19	9	including	include	VERB
ajiss-458	19	10	europe	europe	PROPN
ajiss-458	19	11	and	and	CCONJ
ajiss-458	19	12	the	the	DET
ajiss-458	19	13	united	united	PROPN
ajiss-458	19	14	states	states	PROPN
ajiss-458	19	15	.	.	PUNCT
ajiss-458	20	1	twenty	twenty	NUM
ajiss-458	20	2	institutions	institution	NOUN
ajiss-458	20	3	now	now	ADV
ajiss-458	20	4	offer	offer	VERB
ajiss-458	20	5	a	a	DET
ajiss-458	20	6	variety	variety	NOUN
ajiss-458	20	7	of	of	ADP
ajiss-458	20	8	islamic	islamic	ADJ
ajiss-458	20	9	financial	financial	ADJ
ajiss-458	20	10	services	service	NOUN
ajiss-458	20	11	in	in	ADP
ajiss-458	20	12	the	the	DET
ajiss-458	20	13	united	united	PROPN
ajiss-458	20	14	states	states	PROPN
ajiss-458	20	15	.	.	PUNCT
ajiss-458	21	1	in	in	ADP
ajiss-458	21	2	most	most	ADJ
ajiss-458	21	3	of	of	ADP
ajiss-458	21	4	these	these	DET
ajiss-458	21	5	countries	country	NOUN
ajiss-458	21	6	,	,	PUNCT
ajiss-458	21	7	islamic	islamic	ADJ
ajiss-458	21	8	banking	banking	NOUN
ajiss-458	21	9	institutions	institution	NOUN
ajiss-458	21	10	must	must	AUX
ajiss-458	21	11	compete	compete	VERB
ajiss-458	21	12	with	with	ADP
ajiss-458	21	13	conventional	conventional	ADJ
ajiss-458	21	14	interest	interest	NOUN
ajiss-458	21	15	-	-	PUNCT
ajiss-458	21	16	based	base	VERB
ajiss-458	21	17	banking	banking	NOUN
ajiss-458	21	18	institutions	institution	NOUN
ajiss-458	21	19	.	.	PUNCT
ajiss-458	22	1	their	their	PRON
ajiss-458	22	2	successful	successful	ADJ
ajiss-458	22	3	operations	operation	NOUN
ajiss-458	22	4	,	,	PUNCT
ajiss-458	22	5	along	along	ADP
ajiss-458	22	6	with	with	ADP
ajiss-458	22	7	the	the	DET
ajiss-458	22	8	increasing	increase	VERB
ajiss-458	22	9	number	number	NOUN
ajiss-458	22	10	of	of	ADP
ajiss-458	22	11	muslims	muslims	PROPN
ajiss-458	22	12	in	in	ADP
ajiss-458	22	13	europe	europe	PROPN
ajiss-458	22	14	and	and	CCONJ
ajiss-458	22	15	north	north	PROPN
ajiss-458	22	16	america	america	PROPN
ajiss-458	22	17	,	,	PUNCT
ajiss-458	22	18	have	have	AUX
ajiss-458	22	19	attracted	attract	VERB
ajiss-458	22	20	western	western	ADJ
ajiss-458	22	21	attention	attention	NOUN
ajiss-458	22	22	toward	toward	ADP
ajiss-458	22	23	islamic	islamic	ADJ
ajiss-458	22	24	banking	banking	NOUN
ajiss-458	22	25	and	and	CCONJ
ajiss-458	22	26	finance	finance	NOUN
ajiss-458	22	27	.	.	PUNCT
ajiss-458	23	1	as	as	ADP
ajiss-458	23	2	a	a	DET
ajiss-458	23	3	result	result	NOUN
ajiss-458	23	4	,	,	PUNCT
ajiss-458	23	5	an	an	DET
ajiss-458	23	6	increasing	increase	VERB
ajiss-458	23	7	number	number	NOUN
ajiss-458	23	8	of	of	ADP
ajiss-458	23	9	western	western	ADJ
ajiss-458	23	10	financial	financial	ADJ
ajiss-458	23	11	institutions	institution	NOUN
ajiss-458	23	12	now	now	ADV
ajiss-458	23	13	offer	offer	VERB
ajiss-458	23	14	islamic	islamic	ADJ
ajiss-458	23	15	investment	investment	NOUN
ajiss-458	23	16	products	product	NOUN
ajiss-458	23	17	to	to	ADP
ajiss-458	23	18	muslim	muslim	ADJ
ajiss-458	23	19	investors	investor	NOUN
ajiss-458	23	20	.	.	PUNCT
ajiss-458	24	1	in	in	ADP
ajiss-458	24	2	1996	1996	NUM
ajiss-458	24	3	,	,	PUNCT
ajiss-458	24	4	for	for	ADP
ajiss-458	24	5	example	example	NOUN
ajiss-458	24	6	,	,	PUNCT
ajiss-458	24	7	citi	citi	PROPN
ajiss-458	24	8	islamic	islamic	PROPN
ajiss-458	24	9	investment	investment	PROPN
ajiss-458	24	10	bank	bank	PROPN
ajiss-458	24	11	,	,	PUNCT
ajiss-458	24	12	a	a	DET
ajiss-458	24	13	wholly	wholly	ADV
ajiss-458	24	14	owned	own	VERB
ajiss-458	24	15	subsidiary	subsidiary	NOUN
ajiss-458	24	16	of	of	ADP
ajiss-458	24	17	citi	citi	PROPN
ajiss-458	24	18	corp	corp	PROPN
ajiss-458	24	19	.	.	PROPN
ajiss-458	24	20	,	,	PUNCT
ajiss-458	24	21	opened	open	VERB
ajiss-458	24	22	in	in	ADP
ajiss-458	24	23	bahrain	bahrain	NOUN
ajiss-458	24	24	;	;	PUNCT
ajiss-458	24	25	chase	chase	PROPN
ajiss-458	24	26	manhattan	manhattan	PROPN
ajiss-458	24	27	has	have	VERB
ajiss-458	24	28	an	an	DET
ajiss-458	24	29	islamic	islamic	ADJ
ajiss-458	24	30	“	"	PUNCT
ajiss-458	24	31	window	window	NOUN
ajiss-458	24	32	”	"	PUNCT
ajiss-458	24	33	in	in	ADP
ajiss-458	24	34	frankfurt	frankfurt	PROPN
ajiss-458	24	35	,	,	PUNCT
ajiss-458	24	36	germany	germany	PROPN
ajiss-458	24	37	;	;	PUNCT
ajiss-458	24	38	and	and	CCONJ
ajiss-458	24	39	several	several	ADJ
ajiss-458	24	40	multinational	multinational	ADJ
ajiss-458	24	41	corporations	corporation	NOUN
ajiss-458	24	42	,	,	PUNCT
ajiss-458	24	43	among	among	ADP
ajiss-458	24	44	them	they	PRON
ajiss-458	24	45	ibm	ibm	PROPN
ajiss-458	24	46	and	and	CCONJ
ajiss-458	24	47	general	general	ADJ
ajiss-458	24	48	motors	motor	NOUN
ajiss-458	24	49	,	,	PUNCT
ajiss-458	24	50	have	have	AUX
ajiss-458	24	51	raised	raise	VERB
ajiss-458	24	52	funds	fund	NOUN
ajiss-458	24	53	through	through	ADP
ajiss-458	24	54	an	an	DET
ajiss-458	24	55	americanbased	americanbase	VERB
ajiss-458	24	56	islamic	islamic	ADJ
ajiss-458	24	57	leasing	leasing	NOUN
ajiss-458	24	58	fund	fund	NOUN
ajiss-458	24	59	at	at	ADP
ajiss-458	24	60	the	the	DET
ajiss-458	24	61	united	united	PROPN
ajiss-458	24	62	bank	bank	PROPN
ajiss-458	24	63	of	of	ADP
ajiss-458	24	64	kuwait	kuwait	PROPN
ajiss-458	24	65	.	.	PUNCT
ajiss-458	25	1	due	due	ADP
ajiss-458	25	2	to	to	ADP
ajiss-458	25	3	the	the	DET
ajiss-458	25	4	growing	grow	VERB
ajiss-458	25	5	interest	interest	NOUN
ajiss-458	25	6	in	in	ADP
ajiss-458	25	7	islamic	islamic	ADJ
ajiss-458	25	8	banking	banking	NOUN
ajiss-458	25	9	in	in	ADP
ajiss-458	25	10	the	the	DET
ajiss-458	25	11	west	west	NOUN
ajiss-458	25	12	,	,	PUNCT
ajiss-458	25	13	a	a	DET
ajiss-458	25	14	closer	close	ADJ
ajiss-458	25	15	look	look	NOUN
ajiss-458	25	16	at	at	ADP
ajiss-458	25	17	the	the	DET
ajiss-458	25	18	islamic	islamic	PROPN
ajiss-458	25	19	bank	bank	PROPN
ajiss-458	25	20	’s	’s	PART
ajiss-458	25	21	operations	operation	NOUN
ajiss-458	25	22	and	and	CCONJ
ajiss-458	25	23	characteristic	characteristic	ADJ
ajiss-458	25	24	features	feature	NOUN
ajiss-458	25	25	is	be	AUX
ajiss-458	25	26	warranted	warrant	VERB
ajiss-458	25	27	.	.	PUNCT
ajiss-458	26	1	this	this	PRON
ajiss-458	26	2	is	be	AUX
ajiss-458	26	3	the	the	DET
ajiss-458	26	4	primary	primary	ADJ
ajiss-458	26	5	focus	focus	NOUN
ajiss-458	26	6	of	of	ADP
ajiss-458	26	7	this	this	DET
ajiss-458	26	8	study	study	NOUN
ajiss-458	26	9	.	.	PUNCT
ajiss-458	27	1	islamic	islamic	ADJ
ajiss-458	27	2	banking	banking	PROPN
ajiss-458	27	3	in	in	ADP
ajiss-458	27	4	malaysia	malaysia	PROPN
ajiss-458	27	5	differs	differ	VERB
ajiss-458	27	6	in	in	ADP
ajiss-458	27	7	several	several	ADJ
ajiss-458	27	8	ways	way	NOUN
ajiss-458	27	9	,	,	PUNCT
ajiss-458	27	10	and	and	CCONJ
ajiss-458	27	11	for	for	ADP
ajiss-458	27	12	various	various	ADJ
ajiss-458	27	13	reasons	reason	NOUN
ajiss-458	27	14	,	,	PUNCT
ajiss-458	27	15	from	from	ADP
ajiss-458	27	16	islamic	islamic	ADJ
ajiss-458	27	17	banking	banking	NOUN
ajiss-458	27	18	in	in	ADP
ajiss-458	27	19	the	the	DET
ajiss-458	27	20	gulf	gulf	PROPN
ajiss-458	27	21	and	and	CCONJ
ajiss-458	27	22	the	the	DET
ajiss-458	27	23	rest	rest	NOUN
ajiss-458	27	24	of	of	ADP
ajiss-458	27	25	the	the	DET
ajiss-458	27	26	world	world	NOUN
ajiss-458	27	27	.	.	PUNCT
ajiss-458	28	1	a	a	DET
ajiss-458	28	2	comparison	comparison	NOUN
ajiss-458	28	3	of	of	ADP
ajiss-458	28	4	islamic	islamic	ADJ
ajiss-458	28	5	banking	banking	NOUN
ajiss-458	28	6	in	in	ADP
ajiss-458	28	7	malaysia	malaysia	PROPN
ajiss-458	28	8	and	and	CCONJ
ajiss-458	28	9	bahrain	bahrain	PROPN
ajiss-458	28	10	,	,	PUNCT
ajiss-458	28	11	therefore	therefore	ADV
ajiss-458	28	12	,	,	PUNCT
ajiss-458	28	13	is	be	AUX
ajiss-458	28	14	valuable	valuable	ADJ
ajiss-458	28	15	for	for	ADP
ajiss-458	28	16	two	two	NUM
ajiss-458	28	17	reasons	reason	NOUN
ajiss-458	28	18	:	:	PUNCT
ajiss-458	28	19	first	first	ADV
ajiss-458	28	20	,	,	PUNCT
ajiss-458	28	21	bahrain	bahrain	NOUN
ajiss-458	28	22	’s	’s	PART
ajiss-458	28	23	islamic	islamic	ADJ
ajiss-458	28	24	banking	banking	NOUN
ajiss-458	28	25	system	system	NOUN
ajiss-458	28	26	is	be	AUX
ajiss-458	28	27	representative	representative	NOUN
ajiss-458	28	28	of	of	ADP
ajiss-458	28	29	the	the	DET
ajiss-458	28	30	best	good	ADJ
ajiss-458	28	31	practices	practice	NOUN
ajiss-458	28	32	of	of	ADP
ajiss-458	28	33	islamic	islamic	ADJ
ajiss-458	28	34	banks	bank	NOUN
ajiss-458	28	35	in	in	ADP
ajiss-458	28	36	general	general	ADJ
ajiss-458	28	37	,	,	PUNCT
ajiss-458	28	38	and	and	CCONJ
ajiss-458	28	39	second	second	ADJ
ajiss-458	28	40	,	,	PUNCT
ajiss-458	28	41	bahrain	bahrain	NOUN
ajiss-458	28	42	and	and	CCONJ
ajiss-458	28	43	malaysia	malaysia	PROPN
ajiss-458	28	44	are	be	AUX
ajiss-458	28	45	currently	currently	ADV
ajiss-458	28	46	vying	vie	VERB
ajiss-458	28	47	for	for	ADP
ajiss-458	28	48	recognition	recognition	NOUN
ajiss-458	28	49	as	as	ADP
ajiss-458	28	50	the	the	DET
ajiss-458	28	51	capital	capital	NOUN
ajiss-458	28	52	or	or	CCONJ
ajiss-458	28	53	hub	hub	NOUN
ajiss-458	28	54	of	of	ADP
ajiss-458	28	55	islamic	islamic	ADJ
ajiss-458	28	56	banking	banking	NOUN
ajiss-458	28	57	worldwide	worldwide	ADV
ajiss-458	28	58	.	.	PUNCT
ajiss-458	29	1	70	70	NUM
ajiss-458	29	2	the	the	DET
ajiss-458	29	3	american	american	PROPN
ajiss-458	29	4	journal	journal	PROPN
ajiss-458	29	5	of	of	ADP
ajiss-458	29	6	islamic	islamic	ADJ
ajiss-458	29	7	social	social	PROPN
ajiss-458	29	8	sciences	sciences	PROPN
ajiss-458	29	9	22:2	22:2	NUM
ajiss-458	29	10	islamic	islamic	ADJ
ajiss-458	29	11	banking	banking	NOUN
ajiss-458	29	12	,	,	PUNCT
ajiss-458	29	13	which	which	PRON
ajiss-458	29	14	became	became	AUX
ajiss-458	29	15	established	establish	VERB
ajiss-458	29	16	in	in	ADP
ajiss-458	29	17	the	the	DET
ajiss-458	29	18	1970s	1970	NOUN
ajiss-458	29	19	,	,	PUNCT
ajiss-458	29	20	currently	currently	ADV
ajiss-458	29	21	consists	consist	VERB
ajiss-458	29	22	of	of	ADP
ajiss-458	29	23	a	a	DET
ajiss-458	29	24	variety	variety	NOUN
ajiss-458	29	25	of	of	ADP
ajiss-458	29	26	financial	financial	ADJ
ajiss-458	29	27	instruments	instrument	NOUN
ajiss-458	29	28	or	or	CCONJ
ajiss-458	29	29	products	product	NOUN
ajiss-458	29	30	.	.	PUNCT
ajiss-458	30	1	these	these	PRON
ajiss-458	30	2	include	include	VERB
ajiss-458	30	3	mudarabah	mudarabah	NOUN
ajiss-458	30	4	(	(	PUNCT
ajiss-458	30	5	trust	trust	NOUN
ajiss-458	30	6	financing	financing	NOUN
ajiss-458	30	7	)	)	PUNCT
ajiss-458	30	8	,	,	PUNCT
ajiss-458	30	9	musharakah	musharakah	PROPN
ajiss-458	30	10	(	(	PUNCT
ajiss-458	30	11	equity	equity	NOUN
ajiss-458	30	12	financing	financing	NOUN
ajiss-458	30	13	)	)	PUNCT
ajiss-458	30	14	,	,	PUNCT
ajiss-458	30	15	ijarah	ijarah	PROPN
ajiss-458	30	16	(	(	PUNCT
ajiss-458	30	17	lease	lease	NOUN
ajiss-458	30	18	financing	financing	NOUN
ajiss-458	30	19	)	)	PUNCT
ajiss-458	30	20	,	,	PUNCT
ajiss-458	30	21	murabahah	murabahah	NOUN
ajiss-458	30	22	(	(	PUNCT
ajiss-458	30	23	trade	trade	NOUN
ajiss-458	30	24	financing	financing	NOUN
ajiss-458	30	25	)	)	PUNCT
ajiss-458	30	26	,	,	PUNCT
ajiss-458	30	27	qard	qard	PROPN
ajiss-458	30	28	al	al	PROPN
ajiss-458	30	29	-	-	PUNCT
ajiss-458	30	30	hassan	hassan	PROPN
ajiss-458	30	31	(	(	PUNCT
ajiss-458	30	32	welfare	welfare	NOUN
ajiss-458	30	33	loan	loan	NOUN
ajiss-458	30	34	)	)	PUNCT
ajiss-458	30	35	,	,	PUNCT
ajiss-458	30	36	and	and	CCONJ
ajiss-458	30	37	istisna	istisna	NOUN
ajiss-458	30	38	`	`	PUNCT
ajiss-458	30	39	(	(	PUNCT
ajiss-458	30	40	progressive	progressive	ADJ
ajiss-458	30	41	payments	payment	NOUN
ajiss-458	30	42	)	)	PUNCT
ajiss-458	30	43	.	.	PUNCT
ajiss-458	31	1	the	the	DET
ajiss-458	31	2	relative	relative	ADJ
ajiss-458	31	3	significance	significance	NOUN
ajiss-458	31	4	of	of	ADP
ajiss-458	31	5	these	these	DET
ajiss-458	31	6	products	product	NOUN
ajiss-458	31	7	in	in	ADP
ajiss-458	31	8	the	the	DET
ajiss-458	31	9	islamic	islamic	ADJ
ajiss-458	31	10	banking	banking	NOUN
ajiss-458	31	11	system	system	NOUN
ajiss-458	31	12	has	have	VERB
ajiss-458	31	13	yet	yet	ADV
ajiss-458	31	14	to	to	PART
ajiss-458	31	15	be	be	AUX
ajiss-458	31	16	studied	study	VERB
ajiss-458	31	17	.	.	PUNCT
ajiss-458	32	1	an	an	DET
ajiss-458	32	2	additional	additional	ADJ
ajiss-458	32	3	objective	objective	NOUN
ajiss-458	32	4	of	of	ADP
ajiss-458	32	5	this	this	DET
ajiss-458	32	6	paper	paper	NOUN
ajiss-458	32	7	is	be	AUX
ajiss-458	32	8	to	to	PART
ajiss-458	32	9	determine	determine	VERB
ajiss-458	32	10	the	the	DET
ajiss-458	32	11	extent	extent	NOUN
ajiss-458	32	12	to	to	PART
ajiss-458	32	13	which	which	PRON
ajiss-458	32	14	these	these	DET
ajiss-458	32	15	two	two	NUM
ajiss-458	32	16	islamic	islamic	ADJ
ajiss-458	32	17	banks	bank	NOUN
ajiss-458	32	18	currently	currently	ADV
ajiss-458	32	19	utilize	utilize	VERB
ajiss-458	32	20	these	these	DET
ajiss-458	32	21	products	product	NOUN
ajiss-458	32	22	.	.	PUNCT
ajiss-458	33	1	this	this	DET
ajiss-458	33	2	information	information	NOUN
ajiss-458	33	3	will	will	AUX
ajiss-458	33	4	be	be	AUX
ajiss-458	33	5	important	important	ADJ
ajiss-458	33	6	to	to	ADP
ajiss-458	33	7	all	all	DET
ajiss-458	33	8	participants	participant	NOUN
ajiss-458	33	9	in	in	ADP
ajiss-458	33	10	the	the	DET
ajiss-458	33	11	islamic	islamic	PROPN
ajiss-458	33	12	banking	banking	NOUN
ajiss-458	33	13	and	and	CCONJ
ajiss-458	33	14	financing	financing	NOUN
ajiss-458	33	15	systems	system	NOUN
ajiss-458	33	16	.	.	PUNCT
ajiss-458	34	1	review	review	NOUN
ajiss-458	34	2	of	of	ADP
ajiss-458	34	3	the	the	DET
ajiss-458	34	4	literature	literature	NOUN
ajiss-458	34	5	the	the	DET
ajiss-458	34	6	extent	extent	NOUN
ajiss-458	34	7	of	of	ADP
ajiss-458	34	8	past	past	ADJ
ajiss-458	34	9	scholarly	scholarly	ADJ
ajiss-458	34	10	research	research	NOUN
ajiss-458	34	11	on	on	ADP
ajiss-458	34	12	modern	modern	ADJ
ajiss-458	34	13	islamic	islamic	ADJ
ajiss-458	34	14	banking	banking	NOUN
ajiss-458	34	15	and	and	CCONJ
ajiss-458	34	16	financing	financing	NOUN
ajiss-458	34	17	include	include	VERB
ajiss-458	34	18	studies	study	NOUN
ajiss-458	34	19	by	by	ADP
ajiss-458	34	20	siddiqi,1	siddiqi,1	NOUN
ajiss-458	34	21	khan,2	khan,2	PROPN
ajiss-458	34	22	mannan,3	mannan,3	VERB
ajiss-458	34	23	iqbal	iqbal	PROPN
ajiss-458	34	24	and	and	CCONJ
ajiss-458	34	25	mirakhor,4	mirakhor,4	NOUN
ajiss-458	34	26	ahmad,5	ahmad,5	NOUN
ajiss-458	34	27	zineldin,6	zineldin,6	NOUN
ajiss-458	34	28	saeed,7	saeed,7	NOUN
ajiss-458	34	29	al	al	PROPN
ajiss-458	34	30	-	-	PUNCT
ajiss-458	34	31	omar	omar	PROPN
ajiss-458	34	32	and	and	CCONJ
ajiss-458	34	33	abdul	abdul	PROPN
ajiss-458	34	34	-	-	PUNCT
ajiss-458	34	35	haq,8	haq,8	PROPN
ajiss-458	34	36	and	and	CCONJ
ajiss-458	34	37	kahf.9	kahf.9	NOUN
ajiss-458	34	38	these	these	DET
ajiss-458	34	39	authors	author	NOUN
ajiss-458	34	40	discuss	discuss	VERB
ajiss-458	34	41	the	the	DET
ajiss-458	34	42	institutional	institutional	ADJ
ajiss-458	34	43	issues	issue	NOUN
ajiss-458	34	44	,	,	PUNCT
ajiss-458	34	45	including	include	VERB
ajiss-458	34	46	arabic	arabic	ADJ
ajiss-458	34	47	concepts	concept	NOUN
ajiss-458	34	48	and	and	CCONJ
ajiss-458	34	49	principles	principle	NOUN
ajiss-458	34	50	of	of	ADP
ajiss-458	34	51	finance	finance	NOUN
ajiss-458	34	52	that	that	PRON
ajiss-458	34	53	are	be	AUX
ajiss-458	34	54	subject	subject	ADJ
ajiss-458	34	55	to	to	ADP
ajiss-458	34	56	interpretation	interpretation	NOUN
ajiss-458	34	57	.	.	PUNCT
ajiss-458	35	1	elashker,10	elashker,10	NOUN
ajiss-458	35	2	wilson,11	wilson,11	NOUN
ajiss-458	35	3	and	and	CCONJ
ajiss-458	35	4	kazarian12	kazarian12	PROPN
ajiss-458	35	5	provide	provide	VERB
ajiss-458	35	6	financial	financial	ADJ
ajiss-458	35	7	comparisons	comparison	NOUN
ajiss-458	35	8	that	that	PRON
ajiss-458	35	9	are	be	AUX
ajiss-458	35	10	useful	useful	ADJ
ajiss-458	35	11	in	in	ADP
ajiss-458	35	12	understanding	understand	VERB
ajiss-458	35	13	the	the	DET
ajiss-458	35	14	islamic	islamic	ADJ
ajiss-458	35	15	financial	financial	ADJ
ajiss-458	35	16	system	system	NOUN
ajiss-458	35	17	.	.	PUNCT
ajiss-458	36	1	maniam	maniam	PROPN
ajiss-458	36	2	,	,	PUNCT
ajiss-458	36	3	baxely	baxely	ADV
ajiss-458	36	4	,	,	PUNCT
ajiss-458	36	5	and	and	CCONJ
ajiss-458	36	6	james13	james13	NOUN
ajiss-458	36	7	analyze	analyze	VERB
ajiss-458	36	8	the	the	DET
ajiss-458	36	9	perception	perception	NOUN
ajiss-458	36	10	of	of	ADP
ajiss-458	36	11	islamic	islamic	ADJ
ajiss-458	36	12	financing	financing	NOUN
ajiss-458	36	13	in	in	ADP
ajiss-458	36	14	the	the	DET
ajiss-458	36	15	united	united	PROPN
ajiss-458	36	16	states	states	PROPN
ajiss-458	36	17	and	and	CCONJ
ajiss-458	36	18	also	also	ADV
ajiss-458	36	19	discuss	discuss	VERB
ajiss-458	36	20	the	the	DET
ajiss-458	36	21	problems	problem	NOUN
ajiss-458	36	22	of	of	ADP
ajiss-458	36	23	applying	apply	VERB
ajiss-458	36	24	islamic	islamic	ADJ
ajiss-458	36	25	financing	financing	NOUN
ajiss-458	36	26	tools	tool	NOUN
ajiss-458	36	27	.	.	PUNCT
ajiss-458	37	1	bacha14	bacha14	PROPN
ajiss-458	37	2	attributes	attribute	VERB
ajiss-458	37	3	the	the	DET
ajiss-458	37	4	low	low	ADJ
ajiss-458	37	5	growth	growth	NOUN
ajiss-458	37	6	of	of	ADP
ajiss-458	37	7	mudarabah	mudarabah	NOUN
ajiss-458	37	8	financing	financing	NOUN
ajiss-458	37	9	by	by	ADP
ajiss-458	37	10	islamic	islamic	ADJ
ajiss-458	37	11	banks	bank	NOUN
ajiss-458	37	12	to	to	ADP
ajiss-458	37	13	the	the	DET
ajiss-458	37	14	agency	agency	NOUN
ajiss-458	37	15	problem	problem	NOUN
ajiss-458	37	16	.	.	PUNCT
ajiss-458	38	1	although	although	SCONJ
ajiss-458	38	2	few	few	ADJ
ajiss-458	38	3	empirical	empirical	ADJ
ajiss-458	38	4	studies	study	NOUN
ajiss-458	38	5	are	be	AUX
ajiss-458	38	6	available	available	ADJ
ajiss-458	38	7	,	,	PUNCT
ajiss-458	38	8	akkas15	akkas15	PROPN
ajiss-458	38	9	compares	compare	VERB
ajiss-458	38	10	islamic	islamic	ADJ
ajiss-458	38	11	banking	banking	NOUN
ajiss-458	38	12	with	with	ADP
ajiss-458	38	13	conventional	conventional	ADJ
ajiss-458	38	14	banking	banking	NOUN
ajiss-458	38	15	in	in	ADP
ajiss-458	38	16	bangladesh	bangladesh	NOUN
ajiss-458	38	17	,	,	PUNCT
ajiss-458	38	18	and	and	CCONJ
ajiss-458	38	19	kazarian16	kazarian16	PROPN
ajiss-458	38	20	compares	compare	VERB
ajiss-458	38	21	it	it	PRON
ajiss-458	38	22	with	with	ADP
ajiss-458	38	23	conventional	conventional	ADJ
ajiss-458	38	24	banking	banking	NOUN
ajiss-458	38	25	in	in	ADP
ajiss-458	38	26	egypt	egypt	PROPN
ajiss-458	38	27	.	.	PUNCT
ajiss-458	39	1	samad17	samad17	NOUN
ajiss-458	39	2	and	and	CCONJ
ajiss-458	39	3	samad	samad	PROPN
ajiss-458	39	4	and	and	CCONJ
ajiss-458	39	5	hassan18	hassan18	ADJ
ajiss-458	39	6	compare	compare	VERB
ajiss-458	39	7	the	the	DET
ajiss-458	39	8	bank	bank	NOUN
ajiss-458	39	9	islam	islam	PROPN
ajiss-458	39	10	malaysia	malaysia	PROPN
ajiss-458	39	11	(	(	PUNCT
ajiss-458	39	12	berhad	berhad	PROPN
ajiss-458	39	13	)	)	PUNCT
ajiss-458	39	14	’s	’s	PART
ajiss-458	39	15	performance	performance	NOUN
ajiss-458	39	16	with	with	ADP
ajiss-458	39	17	various	various	ADJ
ajiss-458	39	18	conventional	conventional	ADJ
ajiss-458	39	19	malaysian	malaysian	ADJ
ajiss-458	39	20	banks	bank	NOUN
ajiss-458	39	21	.	.	PUNCT
ajiss-458	40	1	de	de	ADJ
ajiss-458	40	2	-	-	NOUN
ajiss-458	40	3	belder	belder	NOUN
ajiss-458	40	4	and	and	CCONJ
ajiss-458	40	5	hassan,19	hassan,19	NOUN
ajiss-458	40	6	as	as	ADV
ajiss-458	40	7	well	well	ADV
ajiss-458	40	8	as	as	ADP
ajiss-458	40	9	hamwai	hamwai	NOUN
ajiss-458	40	10	and	and	CCONJ
ajiss-458	40	11	aylward,20	aylward,20	ADJ
ajiss-458	40	12	address	address	NOUN
ajiss-458	40	13	some	some	DET
ajiss-458	40	14	aspects	aspect	NOUN
ajiss-458	40	15	of	of	ADP
ajiss-458	40	16	islamic	islamic	ADJ
ajiss-458	40	17	financing	financing	NOUN
ajiss-458	40	18	and	and	CCONJ
ajiss-458	40	19	its	its	PRON
ajiss-458	40	20	relative	relative	ADJ
ajiss-458	40	21	success	success	NOUN
ajiss-458	40	22	.	.	PUNCT
ajiss-458	41	1	samad21	samad21	NOUN
ajiss-458	41	2	compares	compare	VERB
ajiss-458	41	3	the	the	DET
ajiss-458	41	4	performance	performance	NOUN
ajiss-458	41	5	of	of	ADP
ajiss-458	41	6	interest	interest	NOUN
ajiss-458	41	7	-	-	PUNCT
ajiss-458	41	8	free	free	ADJ
ajiss-458	41	9	islamic	islamic	ADJ
ajiss-458	41	10	banks	bank	NOUN
ajiss-458	41	11	to	to	ADP
ajiss-458	41	12	that	that	PRON
ajiss-458	41	13	of	of	ADP
ajiss-458	41	14	interest	interest	NOUN
ajiss-458	41	15	-	-	PUNCT
ajiss-458	41	16	based	base	VERB
ajiss-458	41	17	conventional	conventional	ADJ
ajiss-458	41	18	banks	bank	NOUN
ajiss-458	41	19	with	with	ADP
ajiss-458	41	20	respect	respect	NOUN
ajiss-458	41	21	to	to	ADP
ajiss-458	41	22	profitability	profitability	NOUN
ajiss-458	41	23	,	,	PUNCT
ajiss-458	41	24	liquidity	liquidity	NOUN
ajiss-458	41	25	risk	risk	NOUN
ajiss-458	41	26	,	,	PUNCT
ajiss-458	41	27	and	and	CCONJ
ajiss-458	41	28	credit	credit	NOUN
ajiss-458	41	29	risk	risk	NOUN
ajiss-458	41	30	.	.	PUNCT
ajiss-458	42	1	the	the	DET
ajiss-458	42	2	paper	paper	NOUN
ajiss-458	42	3	finds	find	VERB
ajiss-458	42	4	no	no	DET
ajiss-458	42	5	major	major	ADJ
ajiss-458	42	6	differences	difference	NOUN
ajiss-458	42	7	with	with	ADP
ajiss-458	42	8	regard	regard	NOUN
ajiss-458	42	9	to	to	ADP
ajiss-458	42	10	liquidity	liquidity	NOUN
ajiss-458	42	11	risk	risk	NOUN
ajiss-458	42	12	and	and	CCONJ
ajiss-458	42	13	profitability	profitability	NOUN
ajiss-458	42	14	.	.	PUNCT
ajiss-458	43	1	however	however	ADV
ajiss-458	43	2	,	,	PUNCT
ajiss-458	43	3	a	a	DET
ajiss-458	43	4	significant	significant	ADJ
ajiss-458	43	5	difference	difference	NOUN
ajiss-458	43	6	was	be	AUX
ajiss-458	43	7	observed	observe	VERB
ajiss-458	43	8	in	in	ADP
ajiss-458	43	9	credit	credit	NOUN
ajiss-458	43	10	performance	performance	NOUN
ajiss-458	43	11	.	.	PUNCT
ajiss-458	44	1	this	this	DET
ajiss-458	44	2	study	study	NOUN
ajiss-458	44	3	will	will	AUX
ajiss-458	44	4	contribute	contribute	VERB
ajiss-458	44	5	to	to	ADP
ajiss-458	44	6	the	the	DET
ajiss-458	44	7	existing	exist	VERB
ajiss-458	44	8	literature	literature	NOUN
ajiss-458	44	9	on	on	ADP
ajiss-458	44	10	islamic	islamic	ADJ
ajiss-458	44	11	banking	banking	NOUN
ajiss-458	44	12	by	by	ADP
ajiss-458	44	13	providing	provide	VERB
ajiss-458	44	14	data	datum	NOUN
ajiss-458	44	15	on	on	ADP
ajiss-458	44	16	the	the	DET
ajiss-458	44	17	extent	extent	NOUN
ajiss-458	44	18	to	to	PART
ajiss-458	44	19	which	which	PRON
ajiss-458	44	20	the	the	DET
ajiss-458	44	21	various	various	ADJ
ajiss-458	44	22	modes	mode	NOUN
ajiss-458	44	23	of	of	ADP
ajiss-458	44	24	islamic	islamic	ADJ
ajiss-458	44	25	financing	financing	NOUN
ajiss-458	44	26	are	be	AUX
ajiss-458	44	27	actually	actually	ADV
ajiss-458	44	28	being	be	AUX
ajiss-458	44	29	utilized	utilize	VERB
ajiss-458	44	30	.	.	PUNCT
ajiss-458	45	1	samad	samad	PROPN
ajiss-458	45	2	,	,	PUNCT
ajiss-458	45	3	gardner	gardner	NOUN
ajiss-458	45	4	,	,	PUNCT
ajiss-458	45	5	and	and	CCONJ
ajiss-458	45	6	cook	cook	VERB
ajiss-458	45	7	:	:	PUNCT
ajiss-458	45	8	islamic	islamic	ADJ
ajiss-458	45	9	banking	banking	NOUN
ajiss-458	45	10	and	and	CCONJ
ajiss-458	45	11	finance	finance	NOUN
ajiss-458	45	12	71	71	NUM
ajiss-458	45	13	72	72	NUM
ajiss-458	45	14	the	the	DET
ajiss-458	45	15	american	american	PROPN
ajiss-458	45	16	journal	journal	PROPN
ajiss-458	45	17	of	of	ADP
ajiss-458	45	18	islamic	islamic	ADJ
ajiss-458	45	19	social	social	ADJ
ajiss-458	45	20	sciences	science	NOUN
ajiss-458	45	21	22:2	22:2	NUM
ajiss-458	45	22	overview	overview	NOUN
ajiss-458	45	23	of	of	ADP
ajiss-458	45	24	islamic	islamic	ADJ
ajiss-458	45	25	finance	finance	NOUN
ajiss-458	45	26	and	and	CCONJ
ajiss-458	45	27	banking	banking	NOUN
ajiss-458	45	28	principles	principle	NOUN
ajiss-458	45	29	of	of	ADP
ajiss-458	45	30	islamic	islamic	ADJ
ajiss-458	45	31	banking	banking	PROPN
ajiss-458	45	32	islamic	islamic	ADJ
ajiss-458	45	33	economics	economic	NOUN
ajiss-458	45	34	and	and	CCONJ
ajiss-458	45	35	financial	financial	ADJ
ajiss-458	45	36	institutions	institution	NOUN
ajiss-458	45	37	are	be	AUX
ajiss-458	45	38	guided	guide	VERB
ajiss-458	45	39	by	by	ADP
ajiss-458	45	40	the	the	DET
ajiss-458	45	41	shari`ah	shari`ah	PROPN
ajiss-458	45	42	,	,	PUNCT
ajiss-458	45	43	the	the	DET
ajiss-458	45	44	precepts	precept	NOUN
ajiss-458	45	45	of	of	ADP
ajiss-458	45	46	which	which	PRON
ajiss-458	45	47	are	be	AUX
ajiss-458	45	48	founded	found	VERB
ajiss-458	45	49	upon	upon	SCONJ
ajiss-458	45	50	the	the	DET
ajiss-458	45	51	qur’an	qur’an	NOUN
ajiss-458	45	52	,	,	PUNCT
ajiss-458	45	53	the	the	DET
ajiss-458	45	54	sunnah	sunnah	NOUN
ajiss-458	45	55	(	(	PUNCT
ajiss-458	45	56	the	the	DET
ajiss-458	45	57	practices	practice	NOUN
ajiss-458	45	58	and	and	CCONJ
ajiss-458	45	59	sayings	saying	NOUN
ajiss-458	45	60	of	of	ADP
ajiss-458	45	61	prophet	prophet	NOUN
ajiss-458	45	62	muhammad	muhammad	PROPN
ajiss-458	46	1	[	[	X
ajiss-458	46	2	pbuh	pbuh	NOUN
ajiss-458	46	3	]	]	X
ajiss-458	46	4	)	)	PUNCT
ajiss-458	46	5	,	,	PUNCT
ajiss-458	46	6	and	and	CCONJ
ajiss-458	46	7	fiqh	fiqh	NOUN
ajiss-458	46	8	(	(	PUNCT
ajiss-458	46	9	jurisprudence	jurisprudence	NOUN
ajiss-458	46	10	,	,	PUNCT
ajiss-458	46	11	the	the	DET
ajiss-458	46	12	opinion	opinion	NOUN
ajiss-458	46	13	of	of	ADP
ajiss-458	46	14	muslim	muslim	ADJ
ajiss-458	46	15	legal	legal	ADJ
ajiss-458	46	16	scholars	scholar	NOUN
ajiss-458	46	17	)	)	PUNCT
ajiss-458	46	18	.	.	PUNCT
ajiss-458	47	1	according	accord	VERB
ajiss-458	47	2	to	to	ADP
ajiss-458	47	3	the	the	DET
ajiss-458	47	4	shari`ah	shari`ah	PROPN
ajiss-458	47	5	,	,	PUNCT
ajiss-458	47	6	islamic	islamic	ADJ
ajiss-458	47	7	financial	financial	ADJ
ajiss-458	47	8	institutions	institution	NOUN
ajiss-458	47	9	and	and	CCONJ
ajiss-458	47	10	modes	mode	NOUN
ajiss-458	47	11	of	of	ADP
ajiss-458	47	12	financing	financing	NOUN
ajiss-458	47	13	are	be	AUX
ajiss-458	47	14	based	base	VERB
ajiss-458	47	15	strictly	strictly	ADV
ajiss-458	47	16	on	on	ADP
ajiss-458	47	17	the	the	DET
ajiss-458	47	18	following	follow	VERB
ajiss-458	47	19	principles	principle	NOUN
ajiss-458	47	20	:	:	PUNCT
ajiss-458	47	21	•	•	NUM
ajiss-458	47	22	transactions	transaction	NOUN
ajiss-458	47	23	must	must	AUX
ajiss-458	47	24	be	be	AUX
ajiss-458	47	25	free	free	ADJ
ajiss-458	47	26	of	of	ADP
ajiss-458	47	27	interest	interest	NOUN
ajiss-458	47	28	(	(	PUNCT
ajiss-458	47	29	riba	riba	PROPN
ajiss-458	47	30	’	'	PUNCT
ajiss-458	47	31	)	)	PUNCT
ajiss-458	47	32	.	.	PUNCT
ajiss-458	48	1	•	•	NUM
ajiss-458	48	2	goods	good	NOUN
ajiss-458	48	3	and	and	CCONJ
ajiss-458	48	4	services	service	NOUN
ajiss-458	48	5	that	that	PRON
ajiss-458	48	6	are	be	AUX
ajiss-458	48	7	illegal	illegal	ADJ
ajiss-458	48	8	(	(	PUNCT
ajiss-458	48	9	haram	haram	PROPN
ajiss-458	48	10	)	)	PUNCT
ajiss-458	48	11	from	from	ADP
ajiss-458	48	12	the	the	DET
ajiss-458	48	13	islamic	islamic	ADJ
ajiss-458	48	14	point	point	NOUN
ajiss-458	48	15	of	of	ADP
ajiss-458	48	16	view	view	NOUN
ajiss-458	48	17	can	can	AUX
ajiss-458	48	18	not	not	PART
ajiss-458	48	19	be	be	AUX
ajiss-458	48	20	produced	produce	VERB
ajiss-458	48	21	or	or	CCONJ
ajiss-458	48	22	consumed	consume	VERB
ajiss-458	48	23	.	.	PUNCT
ajiss-458	49	1	•	•	NUM
ajiss-458	49	2	activities	activity	NOUN
ajiss-458	49	3	or	or	CCONJ
ajiss-458	49	4	transactions	transaction	NOUN
ajiss-458	49	5	involving	involve	VERB
ajiss-458	49	6	speculation	speculation	NOUN
ajiss-458	49	7	(	(	PUNCT
ajiss-458	49	8	gharar	gharar	NOUN
ajiss-458	49	9	)	)	PUNCT
ajiss-458	49	10	must	must	AUX
ajiss-458	49	11	be	be	AUX
ajiss-458	49	12	avoided	avoid	VERB
ajiss-458	49	13	.	.	PUNCT
ajiss-458	50	1	•	•	NUM
ajiss-458	50	2	zakat	zakat	X
ajiss-458	50	3	(	(	PUNCT
ajiss-458	50	4	the	the	DET
ajiss-458	50	5	compulsory	compulsory	ADJ
ajiss-458	50	6	islamic	islamic	ADJ
ajiss-458	50	7	tax	tax	NOUN
ajiss-458	50	8	)	)	PUNCT
ajiss-458	50	9	must	must	AUX
ajiss-458	50	10	be	be	AUX
ajiss-458	50	11	paid	pay	VERB
ajiss-458	50	12	.	.	PUNCT
ajiss-458	51	1	following	follow	VERB
ajiss-458	51	2	is	be	AUX
ajiss-458	51	3	a	a	DET
ajiss-458	51	4	discussion	discussion	NOUN
ajiss-458	51	5	of	of	ADP
ajiss-458	51	6	these	these	DET
ajiss-458	51	7	four	four	NUM
ajiss-458	51	8	principles	principle	NOUN
ajiss-458	51	9	,	,	PUNCT
ajiss-458	51	10	which	which	PRON
ajiss-458	51	11	make	make	VERB
ajiss-458	51	12	the	the	DET
ajiss-458	51	13	islamic	islamic	ADJ
ajiss-458	51	14	banking	banking	NOUN
ajiss-458	51	15	and	and	CCONJ
ajiss-458	51	16	financing	financing	NOUN
ajiss-458	51	17	system	system	NOUN
ajiss-458	51	18	unique	unique	ADJ
ajiss-458	51	19	.	.	PUNCT
ajiss-458	52	1	interest	interest	NOUN
ajiss-458	52	2	(	(	PUNCT
ajiss-458	52	3	riba	riba	PROPN
ajiss-458	52	4	’	'	PUNCT
ajiss-458	52	5	)	)	PUNCT
ajiss-458	52	6	.	.	PUNCT
ajiss-458	53	1	qur’an	qur’an	NOUN
ajiss-458	53	2	2:185	2:185	NUM
ajiss-458	53	3	explicitly	explicitly	ADV
ajiss-458	53	4	prohibits	prohibit	VERB
ajiss-458	53	5	riba	riba	PROPN
ajiss-458	53	6	’	'	PUNCT
ajiss-458	53	7	and	and	CCONJ
ajiss-458	53	8	permits	permit	VERB
ajiss-458	53	9	trade	trade	NOUN
ajiss-458	53	10	,	,	PUNCT
ajiss-458	53	11	but	but	CCONJ
ajiss-458	53	12	does	do	AUX
ajiss-458	53	13	not	not	PART
ajiss-458	53	14	state	state	VERB
ajiss-458	53	15	clearly	clearly	ADV
ajiss-458	53	16	whether	whether	SCONJ
ajiss-458	53	17	it	it	PRON
ajiss-458	53	18	is	be	AUX
ajiss-458	53	19	to	to	PART
ajiss-458	53	20	be	be	AUX
ajiss-458	53	21	understood	understand	VERB
ajiss-458	53	22	as	as	ADP
ajiss-458	53	23	interest	interest	NOUN
ajiss-458	53	24	or	or	CCONJ
ajiss-458	53	25	as	as	ADP
ajiss-458	53	26	usury	usury	NOUN
ajiss-458	53	27	.	.	PUNCT
ajiss-458	54	1	this	this	DET
ajiss-458	54	2	lack	lack	NOUN
ajiss-458	54	3	of	of	ADP
ajiss-458	54	4	clarity	clarity	NOUN
ajiss-458	54	5	has	have	AUX
ajiss-458	54	6	led	lead	VERB
ajiss-458	54	7	to	to	ADP
ajiss-458	54	8	controversy	controversy	NOUN
ajiss-458	54	9	among	among	ADP
ajiss-458	54	10	muslim	muslim	ADJ
ajiss-458	54	11	scholars	scholar	NOUN
ajiss-458	54	12	in	in	ADP
ajiss-458	54	13	the	the	DET
ajiss-458	54	14	past	past	NOUN
ajiss-458	54	15	.	.	PUNCT
ajiss-458	55	1	however	however	ADV
ajiss-458	55	2	,	,	PUNCT
ajiss-458	55	3	there	there	PRON
ajiss-458	55	4	seems	seem	VERB
ajiss-458	55	5	to	to	PART
ajiss-458	55	6	be	be	AUX
ajiss-458	55	7	a	a	DET
ajiss-458	55	8	general	general	ADJ
ajiss-458	55	9	consensus	consensus	NOUN
ajiss-458	55	10	that	that	PRON
ajiss-458	55	11	riba	riba	PROPN
ajiss-458	55	12	’	'	PUNCT
ajiss-458	55	13	includes	include	VERB
ajiss-458	55	14	all	all	DET
ajiss-458	55	15	forms	form	NOUN
ajiss-458	55	16	of	of	ADP
ajiss-458	55	17	interest	interest	NOUN
ajiss-458	55	18	,	,	PUNCT
ajiss-458	55	19	that	that	ADV
ajiss-458	55	20	is	is	ADV
ajiss-458	55	21	,	,	PUNCT
ajiss-458	55	22	any	any	DET
ajiss-458	55	23	amount	amount	NOUN
ajiss-458	55	24	charged	charge	VERB
ajiss-458	55	25	over	over	ADP
ajiss-458	55	26	and	and	CCONJ
ajiss-458	55	27	above	above	ADP
ajiss-458	55	28	the	the	DET
ajiss-458	55	29	principal	principal	NOUN
ajiss-458	55	30	.	.	PUNCT
ajiss-458	56	1	the	the	DET
ajiss-458	56	2	islamic	islamic	ADJ
ajiss-458	56	3	financial	financial	ADJ
ajiss-458	56	4	system	system	NOUN
ajiss-458	56	5	bans	ban	VERB
ajiss-458	56	6	interest	interest	NOUN
ajiss-458	56	7	in	in	ADP
ajiss-458	56	8	all	all	DET
ajiss-458	56	9	transactions	transaction	NOUN
ajiss-458	56	10	.	.	PUNCT
ajiss-458	57	1	thus	thus	ADV
ajiss-458	57	2	,	,	PUNCT
ajiss-458	57	3	the	the	DET
ajiss-458	57	4	payment	payment	NOUN
ajiss-458	57	5	or	or	CCONJ
ajiss-458	57	6	receipt	receipt	NOUN
ajiss-458	57	7	of	of	ADP
ajiss-458	57	8	interest	interest	NOUN
ajiss-458	57	9	,	,	PUNCT
ajiss-458	57	10	which	which	PRON
ajiss-458	57	11	is	be	AUX
ajiss-458	57	12	the	the	DET
ajiss-458	57	13	cornerstone	cornerstone	NOUN
ajiss-458	57	14	of	of	ADP
ajiss-458	57	15	modern	modern	ADJ
ajiss-458	57	16	conventional	conventional	ADJ
ajiss-458	57	17	banking	banking	NOUN
ajiss-458	57	18	,	,	PUNCT
ajiss-458	57	19	is	be	AUX
ajiss-458	57	20	explicitly	explicitly	ADV
ajiss-458	57	21	prohibited	prohibit	VERB
ajiss-458	57	22	in	in	ADP
ajiss-458	57	23	islamic	islamic	ADJ
ajiss-458	57	24	banking	banking	NOUN
ajiss-458	57	25	.	.	PUNCT
ajiss-458	58	1	financial	financial	ADJ
ajiss-458	58	2	instruments	instrument	NOUN
ajiss-458	58	3	and	and	CCONJ
ajiss-458	58	4	products	product	NOUN
ajiss-458	58	5	that	that	PRON
ajiss-458	58	6	deal	deal	VERB
ajiss-458	58	7	with	with	ADP
ajiss-458	58	8	interest	interest	NOUN
ajiss-458	58	9	are	be	AUX
ajiss-458	58	10	also	also	ADV
ajiss-458	58	11	prohibited	prohibit	VERB
ajiss-458	58	12	.	.	PUNCT
ajiss-458	59	1	in	in	ADP
ajiss-458	59	2	other	other	ADJ
ajiss-458	59	3	words	word	NOUN
ajiss-458	59	4	,	,	PUNCT
ajiss-458	59	5	the	the	DET
ajiss-458	59	6	prohibition	prohibition	NOUN
ajiss-458	59	7	of	of	ADP
ajiss-458	59	8	paying	pay	VERB
ajiss-458	59	9	or	or	CCONJ
ajiss-458	59	10	receiving	receive	VERB
ajiss-458	59	11	interest	interest	NOUN
ajiss-458	59	12	is	be	AUX
ajiss-458	59	13	the	the	DET
ajiss-458	59	14	nucleus	nucleus	NOUN
ajiss-458	59	15	of	of	ADP
ajiss-458	59	16	islamic	islamic	PROPN
ajiss-458	59	17	banking	banking	PROPN
ajiss-458	59	18	and	and	CCONJ
ajiss-458	59	19	its	its	PRON
ajiss-458	59	20	financial	financial	ADJ
ajiss-458	59	21	instruments	instrument	NOUN
ajiss-458	59	22	.	.	PUNCT
ajiss-458	60	1	however	however	ADV
ajiss-458	60	2	,	,	PUNCT
ajiss-458	60	3	it	it	PRON
ajiss-458	60	4	should	should	AUX
ajiss-458	60	5	be	be	AUX
ajiss-458	60	6	stated	state	VERB
ajiss-458	60	7	that	that	SCONJ
ajiss-458	60	8	an	an	DET
ajiss-458	60	9	islamic	islamic	ADJ
ajiss-458	60	10	financial	financial	ADJ
ajiss-458	60	11	system	system	NOUN
ajiss-458	60	12	does	do	AUX
ajiss-458	60	13	not	not	PART
ajiss-458	60	14	simply	simply	ADV
ajiss-458	60	15	mean	mean	VERB
ajiss-458	60	16	the	the	DET
ajiss-458	60	17	avoidance	avoidance	NOUN
ajiss-458	60	18	of	of	ADP
ajiss-458	60	19	interest	interest	NOUN
ajiss-458	60	20	.	.	PUNCT
ajiss-458	61	1	an	an	DET
ajiss-458	61	2	islamic	islamic	ADJ
ajiss-458	61	3	financial	financial	ADJ
ajiss-458	61	4	system	system	NOUN
ajiss-458	61	5	or	or	CCONJ
ajiss-458	61	6	institution	institution	NOUN
ajiss-458	61	7	is	be	AUX
ajiss-458	61	8	much	much	ADV
ajiss-458	61	9	more	more	ADJ
ajiss-458	61	10	than	than	ADP
ajiss-458	61	11	that	that	PRON
ajiss-458	61	12	,	,	PUNCT
ajiss-458	61	13	for	for	SCONJ
ajiss-458	61	14	it	it	PRON
ajiss-458	61	15	“	"	PUNCT
ajiss-458	61	16	is	be	AUX
ajiss-458	61	17	supported	support	VERB
ajiss-458	61	18	by	by	ADP
ajiss-458	61	19	other	other	ADJ
ajiss-458	61	20	principles	principle	NOUN
ajiss-458	61	21	of	of	ADP
ajiss-458	61	22	islamic	islamic	ADJ
ajiss-458	61	23	doctrine	doctrine	NOUN
ajiss-458	61	24	advocating	advocate	VERB
ajiss-458	61	25	risk	risk	NOUN
ajiss-458	61	26	sharing	sharing	NOUN
ajiss-458	61	27	,	,	PUNCT
ajiss-458	61	28	individuals	individual	NOUN
ajiss-458	61	29	’	’	PART
ajiss-458	61	30	rights	right	NOUN
ajiss-458	61	31	and	and	CCONJ
ajiss-458	61	32	duties	duty	NOUN
ajiss-458	61	33	,	,	PUNCT
ajiss-458	61	34	and	and	CCONJ
ajiss-458	61	35	the	the	DET
ajiss-458	61	36	sanctity	sanctity	NOUN
ajiss-458	61	37	of	of	ADP
ajiss-458	61	38	contracts	contract	NOUN
ajiss-458	61	39	.	.	PUNCT
ajiss-458	62	1	”22	”22	NOUN
ajiss-458	62	2	by	by	ADP
ajiss-458	62	3	banning	ban	VERB
ajiss-458	62	4	interest	interest	NOUN
ajiss-458	62	5	,	,	PUNCT
ajiss-458	62	6	islam	islam	PROPN
ajiss-458	62	7	seeks	seek	VERB
ajiss-458	62	8	to	to	PART
ajiss-458	62	9	establish	establish	VERB
ajiss-458	62	10	a	a	DET
ajiss-458	62	11	just	just	ADV
ajiss-458	62	12	and	and	CCONJ
ajiss-458	62	13	fair	fair	ADJ
ajiss-458	62	14	society	society	NOUN
ajiss-458	62	15	(	(	PUNCT
ajiss-458	62	16	qur’an	qur’an	NOUN
ajiss-458	62	17	2:239	2:239	NUM
ajiss-458	62	18	)	)	PUNCT
ajiss-458	62	19	.	.	PUNCT
ajiss-458	63	1	the	the	DET
ajiss-458	63	2	return	return	NOUN
ajiss-458	63	3	of	of	ADP
ajiss-458	63	4	a	a	DET
ajiss-458	63	5	predetermined	predetermine	VERB
ajiss-458	63	6	amount	amount	NOUN
ajiss-458	63	7	of	of	ADP
ajiss-458	63	8	fixed	fix	VERB
ajiss-458	63	9	income	income	NOUN
ajiss-458	63	10	by	by	ADP
ajiss-458	63	11	the	the	DET
ajiss-458	63	12	lender	lender	NOUN
ajiss-458	63	13	,	,	PUNCT
ajiss-458	63	14	irrespective	irrespective	ADV
ajiss-458	63	15	of	of	ADP
ajiss-458	63	16	the	the	DET
ajiss-458	63	17	outcome	outcome	NOUN
ajiss-458	63	18	of	of	ADP
ajiss-458	63	19	the	the	DET
ajiss-458	63	20	borrower	borrower	NOUN
ajiss-458	63	21	’s	’s	PART
ajiss-458	63	22	venture	venture	NOUN
ajiss-458	63	23	,	,	PUNCT
ajiss-458	63	24	is	be	AUX
ajiss-458	63	25	considered	consider	VERB
ajiss-458	63	26	unjust	unjust	ADJ
ajiss-458	63	27	.	.	PUNCT
ajiss-458	64	1	samad	samad	PROPN
ajiss-458	64	2	,	,	PUNCT
ajiss-458	64	3	gardner	gardner	NOUN
ajiss-458	64	4	,	,	PUNCT
ajiss-458	64	5	and	and	CCONJ
ajiss-458	64	6	cook	cook	VERB
ajiss-458	64	7	:	:	PUNCT
ajiss-458	64	8	islamic	islamic	ADJ
ajiss-458	64	9	banking	banking	NOUN
ajiss-458	64	10	and	and	CCONJ
ajiss-458	64	11	finance	finance	NOUN
ajiss-458	64	12	73	73	NUM
ajiss-458	64	13	fairness	fairness	NOUN
ajiss-458	64	14	and	and	CCONJ
ajiss-458	64	15	justice	justice	NOUN
ajiss-458	64	16	demand	demand	NOUN
ajiss-458	64	17	that	that	SCONJ
ajiss-458	64	18	the	the	DET
ajiss-458	64	19	owner	owner	NOUN
ajiss-458	64	20	(	(	PUNCT
ajiss-458	64	21	supplier	supplier	NOUN
ajiss-458	64	22	)	)	PUNCT
ajiss-458	64	23	of	of	ADP
ajiss-458	64	24	capital	capital	NOUN
ajiss-458	64	25	has	have	AUX
ajiss-458	64	26	the	the	DET
ajiss-458	64	27	right	right	NOUN
ajiss-458	64	28	to	to	PART
ajiss-458	64	29	be	be	AUX
ajiss-458	64	30	rewarded	reward	VERB
ajiss-458	64	31	,	,	PUNCT
ajiss-458	64	32	but	but	CCONJ
ajiss-458	64	33	that	that	SCONJ
ajiss-458	64	34	this	this	DET
ajiss-458	64	35	reward	reward	NOUN
ajiss-458	64	36	must	must	AUX
ajiss-458	64	37	be	be	AUX
ajiss-458	64	38	commensurate	commensurate	ADJ
ajiss-458	64	39	with	with	ADP
ajiss-458	64	40	the	the	DET
ajiss-458	64	41	degree	degree	NOUN
ajiss-458	64	42	of	of	ADP
ajiss-458	64	43	risk	risk	NOUN
ajiss-458	64	44	associated	associate	VERB
ajiss-458	64	45	with	with	ADP
ajiss-458	64	46	the	the	DET
ajiss-458	64	47	project	project	NOUN
ajiss-458	64	48	for	for	ADP
ajiss-458	64	49	which	which	PRON
ajiss-458	64	50	funds	fund	NOUN
ajiss-458	64	51	are	be	AUX
ajiss-458	64	52	supplied	supply	VERB
ajiss-458	64	53	.	.	PUNCT
ajiss-458	65	1	hence	hence	ADV
ajiss-458	65	2	,	,	PUNCT
ajiss-458	65	3	what	what	PRON
ajiss-458	65	4	is	be	AUX
ajiss-458	65	5	forbidden	forbid	VERB
ajiss-458	65	6	is	be	AUX
ajiss-458	65	7	the	the	DET
ajiss-458	65	8	predetermined	predetermined	ADJ
ajiss-458	65	9	fixed	fix	VERB
ajiss-458	65	10	charge	charge	NOUN
ajiss-458	65	11	in	in	ADP
ajiss-458	65	12	financing	finance	VERB
ajiss-458	65	13	a	a	DET
ajiss-458	65	14	loan	loan	NOUN
ajiss-458	65	15	,	,	PUNCT
ajiss-458	65	16	an	an	DET
ajiss-458	65	17	investment	investment	NOUN
ajiss-458	65	18	,	,	PUNCT
ajiss-458	65	19	or	or	CCONJ
ajiss-458	65	20	a	a	DET
ajiss-458	65	21	commodity	commodity	NOUN
ajiss-458	65	22	exchange	exchange	NOUN
ajiss-458	65	23	.	.	PUNCT
ajiss-458	66	1	but	but	CCONJ
ajiss-458	66	2	there	there	PRON
ajiss-458	66	3	is	be	VERB
ajiss-458	66	4	more	more	ADJ
ajiss-458	66	5	to	to	ADP
ajiss-458	66	6	the	the	DET
ajiss-458	66	7	islamic	islamic	ADJ
ajiss-458	66	8	banking	banking	PROPN
ajiss-458	66	9	or	or	CCONJ
ajiss-458	66	10	financial	financial	ADJ
ajiss-458	66	11	system	system	NOUN
ajiss-458	66	12	than	than	ADP
ajiss-458	66	13	just	just	ADV
ajiss-458	66	14	interest	interest	NOUN
ajiss-458	66	15	-	-	PUNCT
ajiss-458	66	16	free	free	ADJ
ajiss-458	66	17	financing	financing	NOUN
ajiss-458	66	18	for	for	ADP
ajiss-458	66	19	example	example	NOUN
ajiss-458	66	20	,	,	PUNCT
ajiss-458	66	21	one	one	PRON
ajiss-458	66	22	must	must	AUX
ajiss-458	66	23	consider	consider	VERB
ajiss-458	66	24	such	such	ADJ
ajiss-458	66	25	factors	factor	NOUN
ajiss-458	66	26	as	as	ADP
ajiss-458	66	27	gharar	gharar	NOUN
ajiss-458	66	28	,	,	PUNCT
ajiss-458	66	29	haram	haram	PROPN
ajiss-458	66	30	,	,	PUNCT
ajiss-458	66	31	zakat	zakat	NOUN
ajiss-458	66	32	,	,	PUNCT
ajiss-458	66	33	and	and	CCONJ
ajiss-458	66	34	qard	qard	PROPN
ajiss-458	66	35	al	al	PROPN
ajiss-458	66	36	-	-	PUNCT
ajiss-458	66	37	hassan	hassan	PROPN
ajiss-458	66	38	,	,	PUNCT
ajiss-458	66	39	all	all	PRON
ajiss-458	66	40	of	of	ADP
ajiss-458	66	41	which	which	PRON
ajiss-458	66	42	are	be	AUX
ajiss-458	66	43	explained	explain	VERB
ajiss-458	66	44	below	below	ADV
ajiss-458	66	45	.	.	PUNCT
ajiss-458	67	1	gharar	gharar	NOUN
ajiss-458	67	2	.	.	PUNCT
ajiss-458	68	1	islam	islam	PROPN
ajiss-458	68	2	prohibits	prohibit	VERB
ajiss-458	68	3	all	all	DET
ajiss-458	68	4	games	game	NOUN
ajiss-458	68	5	of	of	ADP
ajiss-458	68	6	chance	chance	NOUN
ajiss-458	68	7	and	and	CCONJ
ajiss-458	68	8	gambling	gambling	NOUN
ajiss-458	68	9	:	:	PUNCT
ajiss-458	68	10	they	they	PRON
ajiss-458	68	11	will	will	AUX
ajiss-458	68	12	ask	ask	VERB
ajiss-458	68	13	about	about	ADP
ajiss-458	68	14	intoxicants	intoxicant	NOUN
ajiss-458	68	15	and	and	CCONJ
ajiss-458	68	16	games	game	NOUN
ajiss-458	68	17	of	of	ADP
ajiss-458	68	18	chance	chance	NOUN
ajiss-458	68	19	.	.	PUNCT
ajiss-458	69	1	say	say	VERB
ajiss-458	69	2	:	:	PUNCT
ajiss-458	69	3	“	"	PUNCT
ajiss-458	69	4	in	in	SCONJ
ajiss-458	69	5	both	both	PRON
ajiss-458	69	6	there	there	PRON
ajiss-458	69	7	are	be	VERB
ajiss-458	69	8	great	great	ADJ
ajiss-458	69	9	evil	evil	NOUN
ajiss-458	69	10	as	as	ADV
ajiss-458	69	11	well	well	ADV
ajiss-458	69	12	as	as	ADP
ajiss-458	69	13	some	some	DET
ajiss-458	69	14	benefit	benefit	NOUN
ajiss-458	69	15	for	for	ADP
ajiss-458	69	16	man	man	NOUN
ajiss-458	69	17	,	,	PUNCT
ajiss-458	69	18	but	but	CCONJ
ajiss-458	69	19	the	the	DET
ajiss-458	69	20	evil	evil	NOUN
ajiss-458	69	21	which	which	PRON
ajiss-458	69	22	they	they	PRON
ajiss-458	69	23	cause	cause	VERB
ajiss-458	69	24	is	be	AUX
ajiss-458	69	25	greater	great	ADJ
ajiss-458	69	26	than	than	ADP
ajiss-458	69	27	the	the	DET
ajiss-458	69	28	benefit	benefit	NOUN
ajiss-458	69	29	which	which	PRON
ajiss-458	69	30	they	they	PRON
ajiss-458	69	31	bring	bring	VERB
ajiss-458	69	32	.	.	PUNCT
ajiss-458	69	33	”	"	PUNCT
ajiss-458	70	1	(	(	PUNCT
ajiss-458	70	2	qur’an	qur’an	NOUN
ajiss-458	70	3	2:219	2:219	NUM
ajiss-458	70	4	)	)	PUNCT
ajiss-458	70	5	in	in	ADP
ajiss-458	70	6	qur’an	qur’an	NOUN
ajiss-458	70	7	5:90	5:90	NUM
ajiss-458	70	8	,	,	PUNCT
ajiss-458	70	9	games	game	NOUN
ajiss-458	70	10	of	of	ADP
ajiss-458	70	11	chance	chance	NOUN
ajiss-458	70	12	and	and	CCONJ
ajiss-458	70	13	gambling	gambling	NOUN
ajiss-458	70	14	are	be	AUX
ajiss-458	70	15	prohibited	prohibit	VERB
ajiss-458	70	16	because	because	SCONJ
ajiss-458	70	17	they	they	PRON
ajiss-458	70	18	cause	cause	VERB
ajiss-458	70	19	enmity	enmity	NOUN
ajiss-458	70	20	and	and	CCONJ
ajiss-458	70	21	hatred	hatred	NOUN
ajiss-458	70	22	and	and	CCONJ
ajiss-458	70	23	also	also	ADV
ajiss-458	70	24	involve	involve	VERB
ajiss-458	70	25	consuming	consume	VERB
ajiss-458	70	26	property	property	NOUN
ajiss-458	70	27	(	(	PUNCT
ajiss-458	70	28	bay	bay	NOUN
ajiss-458	70	29	`	`	PUNCT
ajiss-458	70	30	albatil	albatil	PROPN
ajiss-458	70	31	)	)	PUNCT
ajiss-458	70	32	,	,	PUNCT
ajiss-458	70	33	which	which	PRON
ajiss-458	70	34	is	be	AUX
ajiss-458	70	35	a	a	DET
ajiss-458	70	36	kind	kind	NOUN
ajiss-458	70	37	of	of	ADP
ajiss-458	70	38	oppression	oppression	NOUN
ajiss-458	70	39	.	.	PUNCT
ajiss-458	71	1	the	the	DET
ajiss-458	71	2	question	question	NOUN
ajiss-458	71	3	is	be	AUX
ajiss-458	71	4	whether	whether	SCONJ
ajiss-458	71	5	gharar	gharar	NOUN
ajiss-458	71	6	,	,	PUNCT
ajiss-458	71	7	which	which	PRON
ajiss-458	71	8	involves	involve	VERB
ajiss-458	71	9	uncertainty	uncertainty	NOUN
ajiss-458	71	10	or	or	CCONJ
ajiss-458	71	11	speculation	speculation	NOUN
ajiss-458	71	12	,	,	PUNCT
ajiss-458	71	13	is	be	AUX
ajiss-458	71	14	halal	halal	NOUN
ajiss-458	71	15	(	(	PUNCT
ajiss-458	71	16	permitted	permit	VERB
ajiss-458	71	17	)	)	PUNCT
ajiss-458	71	18	in	in	ADP
ajiss-458	71	19	business	business	NOUN
ajiss-458	71	20	.	.	PUNCT
ajiss-458	72	1	according	accord	VERB
ajiss-458	72	2	to	to	ADP
ajiss-458	72	3	ibn	ibn	PROPN
ajiss-458	72	4	taymiyyah	taymiyyah	NOUN
ajiss-458	72	5	,	,	PUNCT
ajiss-458	72	6	if	if	SCONJ
ajiss-458	72	7	the	the	DET
ajiss-458	72	8	sale	sale	NOUN
ajiss-458	72	9	contains	contain	VERB
ajiss-458	72	10	gharar	gharar	NOUN
ajiss-458	72	11	and	and	CCONJ
ajiss-458	72	12	devours	devour	VERB
ajiss-458	72	13	the	the	DET
ajiss-458	72	14	property	property	NOUN
ajiss-458	72	15	of	of	ADP
ajiss-458	72	16	others	other	NOUN
ajiss-458	72	17	,	,	PUNCT
ajiss-458	72	18	it	it	PRON
ajiss-458	72	19	is	be	AUX
ajiss-458	72	20	equivalent	equivalent	ADJ
ajiss-458	72	21	to	to	ADP
ajiss-458	72	22	gambling	gambling	NOUN
ajiss-458	72	23	and	and	CCONJ
ajiss-458	72	24	,	,	PUNCT
ajiss-458	72	25	as	as	ADP
ajiss-458	72	26	such	such	ADJ
ajiss-458	72	27	,	,	PUNCT
ajiss-458	72	28	haram	haram	PROPN
ajiss-458	72	29	(	(	PUNCT
ajiss-458	72	30	forbidden	forbidden	PROPN
ajiss-458	72	31	)	)	PUNCT
ajiss-458	72	32	.	.	PUNCT
ajiss-458	73	1	pointing	point	VERB
ajiss-458	73	2	to	to	ADP
ajiss-458	73	3	the	the	DET
ajiss-458	73	4	phrase	phrase	NOUN
ajiss-458	73	5	devours	devour	VERB
ajiss-458	73	6	the	the	DET
ajiss-458	73	7	property	property	NOUN
ajiss-458	73	8	of	of	ADP
ajiss-458	73	9	others	other	NOUN
ajiss-458	73	10	,	,	PUNCT
ajiss-458	73	11	kamili23	kamili23	NOUN
ajiss-458	73	12	opines	opine	VERB
ajiss-458	73	13	that	that	PRON
ajiss-458	73	14	speculative	speculative	ADJ
ajiss-458	73	15	risk	risk	NOUN
ajiss-458	73	16	-	-	PUNCT
ajiss-458	73	17	taking	taking	NOUN
ajiss-458	73	18	in	in	ADP
ajiss-458	73	19	commerce	commerce	NOUN
ajiss-458	73	20	,	,	PUNCT
ajiss-458	73	21	which	which	PRON
ajiss-458	73	22	involves	involve	VERB
ajiss-458	73	23	the	the	DET
ajiss-458	73	24	investment	investment	NOUN
ajiss-458	73	25	of	of	ADP
ajiss-458	73	26	assets	asset	NOUN
ajiss-458	73	27	,	,	PUNCT
ajiss-458	73	28	skill	skill	NOUN
ajiss-458	73	29	,	,	PUNCT
ajiss-458	73	30	and	and	CCONJ
ajiss-458	73	31	labor	labor	NOUN
ajiss-458	73	32	,	,	PUNCT
ajiss-458	73	33	is	be	AUX
ajiss-458	73	34	not	not	PART
ajiss-458	73	35	similar	similar	ADJ
ajiss-458	73	36	to	to	ADP
ajiss-458	73	37	gambling	gamble	VERB
ajiss-458	73	38	.	.	PUNCT
ajiss-458	74	1	in	in	ADP
ajiss-458	74	2	business	business	NOUN
ajiss-458	74	3	,	,	PUNCT
ajiss-458	74	4	participants	participant	NOUN
ajiss-458	74	5	engage	engage	VERB
ajiss-458	74	6	in	in	ADP
ajiss-458	74	7	transactions	transaction	NOUN
ajiss-458	74	8	designed	design	VERB
ajiss-458	74	9	to	to	PART
ajiss-458	74	10	maximize	maximize	VERB
ajiss-458	74	11	profit	profit	NOUN
ajiss-458	74	12	through	through	ADP
ajiss-458	74	13	trading	trading	NOUN
ajiss-458	74	14	,	,	PUNCT
ajiss-458	74	15	not	not	PART
ajiss-458	74	16	through	through	ADP
ajiss-458	74	17	any	any	DET
ajiss-458	74	18	dishonest	dishonest	ADJ
ajiss-458	74	19	appropriation	appropriation	NOUN
ajiss-458	74	20	of	of	ADP
ajiss-458	74	21	other	other	ADJ
ajiss-458	74	22	people	people	NOUN
ajiss-458	74	23	’s	’s	PART
ajiss-458	74	24	property	property	NOUN
ajiss-458	74	25	.	.	PUNCT
ajiss-458	75	1	similarly	similarly	ADV
ajiss-458	75	2	,	,	PUNCT
ajiss-458	75	3	according	accord	VERB
ajiss-458	75	4	to	to	ADP
ajiss-458	75	5	el	el	PROPN
ajiss-458	75	6	-	-	NOUN
ajiss-458	75	7	ashkar	ashkar	PROPN
ajiss-458	75	8	,	,	PUNCT
ajiss-458	75	9	speculation	speculation	NOUN
ajiss-458	75	10	in	in	ADP
ajiss-458	75	11	business	business	NOUN
ajiss-458	75	12	is	be	AUX
ajiss-458	75	13	not	not	PART
ajiss-458	75	14	the	the	DET
ajiss-458	75	15	result	result	NOUN
ajiss-458	75	16	of	of	ADP
ajiss-458	75	17	turning	turn	VERB
ajiss-458	75	18	over	over	ADP
ajiss-458	75	19	a	a	DET
ajiss-458	75	20	card	card	NOUN
ajiss-458	75	21	or	or	CCONJ
ajiss-458	75	22	throwing	throw	VERB
ajiss-458	75	23	the	the	DET
ajiss-458	75	24	dice	dice	NOUN
ajiss-458	75	25	,	,	PUNCT
ajiss-458	75	26	but	but	CCONJ
ajiss-458	75	27	rather	rather	ADV
ajiss-458	75	28	is	be	AUX
ajiss-458	75	29	…	…	PUNCT
ajiss-458	75	30	the	the	DET
ajiss-458	75	31	practice	practice	NOUN
ajiss-458	75	32	of	of	ADP
ajiss-458	75	33	(	(	PUNCT
ajiss-458	75	34	a	a	X
ajiss-458	75	35	)	)	PUNCT
ajiss-458	75	36	using	use	VERB
ajiss-458	75	37	available	available	ADJ
ajiss-458	75	38	information	information	NOUN
ajiss-458	75	39	to	to	ADP
ajiss-458	75	40	(	(	PUNCT
ajiss-458	75	41	b	b	X
ajiss-458	75	42	)	)	PUNCT
ajiss-458	75	43	anticipate	anticipate	VERB
ajiss-458	75	44	future	future	ADJ
ajiss-458	75	45	price	price	NOUN
ajiss-458	75	46	movements	movement	NOUN
ajiss-458	75	47	of	of	ADP
ajiss-458	75	48	securities	security	NOUN
ajiss-458	75	49	so	so	SCONJ
ajiss-458	75	50	that	that	SCONJ
ajiss-458	75	51	(	(	PUNCT
ajiss-458	75	52	c	c	X
ajiss-458	75	53	)	)	PUNCT
ajiss-458	76	1	[	[	X
ajiss-458	76	2	the	the	DET
ajiss-458	76	3	]	]	X
ajiss-458	76	4	action	action	NOUN
ajiss-458	76	5	of	of	ADP
ajiss-458	76	6	buying	buy	VERB
ajiss-458	76	7	and	and	CCONJ
ajiss-458	76	8	selling	sell	VERB
ajiss-458	76	9	securities	security	NOUN
ajiss-458	76	10	may	may	AUX
ajiss-458	76	11	be	be	AUX
ajiss-458	76	12	taken	take	VERB
ajiss-458	76	13	with	with	ADP
ajiss-458	76	14	a	a	DET
ajiss-458	76	15	view	view	NOUN
ajiss-458	76	16	to	to	ADP
ajiss-458	76	17	(	(	PUNCT
ajiss-458	76	18	d	d	NOUN
ajiss-458	76	19	)	)	PUNCT
ajiss-458	76	20	buying	buy	VERB
ajiss-458	76	21	and	and	CCONJ
ajiss-458	76	22	selling	sell	VERB
ajiss-458	76	23	securities	security	NOUN
ajiss-458	76	24	in	in	SCONJ
ajiss-458	76	25	order	order	NOUN
ajiss-458	76	26	to	to	PART
ajiss-458	76	27	(	(	PUNCT
ajiss-458	76	28	e	e	NOUN
ajiss-458	76	29	)	)	PUNCT
ajiss-458	76	30	realize	realize	VERB
ajiss-458	76	31	capital	capital	NOUN
ajiss-458	76	32	gains	gain	NOUN
ajiss-458	76	33	and/or	and/or	CCONJ
ajiss-458	76	34	maximize	maximize	VERB
ajiss-458	76	35	the	the	DET
ajiss-458	76	36	capitalized	capitalize	VERB
ajiss-458	76	37	value	value	NOUN
ajiss-458	76	38	of	of	ADP
ajiss-458	76	39	security	security	NOUN
ajiss-458	76	40	-	-	PUNCT
ajiss-458	76	41	holdings.24	holdings.24	NOUN
ajiss-458	76	42	islam	islam	PROPN
ajiss-458	76	43	allows	allow	VERB
ajiss-458	76	44	risk	risk	NOUN
ajiss-458	76	45	-	-	PUNCT
ajiss-458	76	46	taking	taking	NOUN
ajiss-458	76	47	in	in	ADP
ajiss-458	76	48	business	business	NOUN
ajiss-458	76	49	transactions	transaction	NOUN
ajiss-458	76	50	,	,	PUNCT
ajiss-458	76	51	but	but	CCONJ
ajiss-458	76	52	prohibits	prohibit	VERB
ajiss-458	76	53	gambling	gambling	NOUN
ajiss-458	76	54	.	.	PUNCT
ajiss-458	77	1	maniam	maniam	PROPN
ajiss-458	77	2	,	,	PUNCT
ajiss-458	77	3	bexley	bexley	NOUN
ajiss-458	77	4	,	,	PUNCT
ajiss-458	77	5	and	and	CCONJ
ajiss-458	77	6	james	james	PROPN
ajiss-458	77	7	comment	comment	PROPN
ajiss-458	77	8	:	:	PUNCT
ajiss-458	77	9	the	the	DET
ajiss-458	77	10	main	main	ADJ
ajiss-458	77	11	idea	idea	NOUN
ajiss-458	77	12	is	be	AUX
ajiss-458	77	13	that	that	SCONJ
ajiss-458	77	14	investors	investor	NOUN
ajiss-458	77	15	should	should	AUX
ajiss-458	77	16	spend	spend	VERB
ajiss-458	77	17	their	their	PRON
ajiss-458	77	18	effort	effort	NOUN
ajiss-458	77	19	searching	search	VERB
ajiss-458	77	20	for	for	ADP
ajiss-458	77	21	projects	project	NOUN
ajiss-458	77	22	that	that	PRON
ajiss-458	77	23	are	be	AUX
ajiss-458	77	24	sound	sound	ADJ
ajiss-458	77	25	,	,	PUNCT
ajiss-458	77	26	that	that	PRON
ajiss-458	77	27	adhere	adhere	VERB
ajiss-458	77	28	to	to	ADP
ajiss-458	77	29	the	the	DET
ajiss-458	77	30	shari`ah	shari`ah	PROPN
ajiss-458	77	31	,	,	PUNCT
ajiss-458	77	32	and	and	CCONJ
ajiss-458	77	33	share	share	VERB
ajiss-458	77	34	in	in	ADP
ajiss-458	77	35	the	the	DET
ajiss-458	77	36	success	success	NOUN
ajiss-458	77	37	or	or	CCONJ
ajiss-458	77	38	failure	failure	NOUN
ajiss-458	77	39	of	of	ADP
ajiss-458	77	40	that	that	PRON
ajiss-458	77	41	project.25	project.25	VERB
ajiss-458	77	42	islamic	islamic	ADJ
ajiss-458	77	43	investment	investment	NOUN
ajiss-458	77	44	ethics	ethic	NOUN
ajiss-458	77	45	.	.	PUNCT
ajiss-458	78	1	investing	invest	VERB
ajiss-458	78	2	in	in	ADP
ajiss-458	78	3	production	production	NOUN
ajiss-458	78	4	and	and	CCONJ
ajiss-458	78	5	consumption	consumption	NOUN
ajiss-458	78	6	is	be	AUX
ajiss-458	78	7	guided	guide	VERB
ajiss-458	78	8	by	by	ADP
ajiss-458	78	9	a	a	DET
ajiss-458	78	10	strict	strict	ADJ
ajiss-458	78	11	islamic	islamic	ADJ
ajiss-458	78	12	ethical	ethical	PROPN
ajiss-458	78	13	code	code	PROPN
ajiss-458	78	14	.	.	PUNCT
ajiss-458	79	1	muslims	muslim	NOUN
ajiss-458	79	2	are	be	AUX
ajiss-458	79	3	not	not	PART
ajiss-458	79	4	permitted	permit	VERB
ajiss-458	79	5	to	to	PART
ajiss-458	79	6	invest	invest	VERB
ajiss-458	79	7	in	in	ADP
ajiss-458	79	8	any	any	DET
ajiss-458	79	9	production	production	NOUN
ajiss-458	79	10	,	,	PUNCT
ajiss-458	79	11	distribution	distribution	NOUN
ajiss-458	79	12	,	,	PUNCT
ajiss-458	79	13	and	and	CCONJ
ajiss-458	79	14	consumption	consumption	NOUN
ajiss-458	79	15	enterprises	enterprise	NOUN
ajiss-458	79	16	involving	involve	VERB
ajiss-458	79	17	alcohol	alcohol	NOUN
ajiss-458	79	18	,	,	PUNCT
ajiss-458	79	19	tobacco	tobacco	NOUN
ajiss-458	79	20	,	,	PUNCT
ajiss-458	79	21	pork	pork	NOUN
ajiss-458	79	22	,	,	PUNCT
ajiss-458	79	23	pornography	pornography	NOUN
ajiss-458	79	24	,	,	PUNCT
ajiss-458	79	25	gambling	gambling	NOUN
ajiss-458	79	26	,	,	PUNCT
ajiss-458	79	27	illegal	illegal	ADJ
ajiss-458	79	28	drugs	drug	NOUN
ajiss-458	79	29	,	,	PUNCT
ajiss-458	79	30	and	and	CCONJ
ajiss-458	79	31	other	other	ADJ
ajiss-458	79	32	harmful	harmful	ADJ
ajiss-458	79	33	products	product	NOUN
ajiss-458	79	34	,	,	PUNCT
ajiss-458	79	35	even	even	ADV
ajiss-458	79	36	though	though	SCONJ
ajiss-458	79	37	these	these	DET
ajiss-458	79	38	enterprises	enterprise	NOUN
ajiss-458	79	39	may	may	AUX
ajiss-458	79	40	be	be	AUX
ajiss-458	79	41	profitable	profitable	ADJ
ajiss-458	79	42	.	.	PUNCT
ajiss-458	80	1	in	in	ADP
ajiss-458	80	2	addition	addition	NOUN
ajiss-458	80	3	,	,	PUNCT
ajiss-458	80	4	islam	islam	PROPN
ajiss-458	80	5	does	do	AUX
ajiss-458	80	6	not	not	PART
ajiss-458	80	7	permit	permit	VERB
ajiss-458	80	8	muslims	muslim	NOUN
ajiss-458	80	9	to	to	PART
ajiss-458	80	10	invest	invest	VERB
ajiss-458	80	11	in	in	ADP
ajiss-458	80	12	activities	activity	NOUN
ajiss-458	80	13	that	that	PRON
ajiss-458	80	14	are	be	AUX
ajiss-458	80	15	considered	consider	VERB
ajiss-458	80	16	harmful	harmful	ADJ
ajiss-458	80	17	for	for	ADP
ajiss-458	80	18	the	the	DET
ajiss-458	80	19	individual	individual	NOUN
ajiss-458	80	20	or	or	CCONJ
ajiss-458	80	21	society	society	NOUN
ajiss-458	80	22	.	.	PUNCT
ajiss-458	81	1	thus	thus	ADV
ajiss-458	81	2	,	,	PUNCT
ajiss-458	81	3	the	the	DET
ajiss-458	81	4	scope	scope	NOUN
ajiss-458	81	5	of	of	ADP
ajiss-458	81	6	investment	investment	NOUN
ajiss-458	81	7	opportunities	opportunity	NOUN
ajiss-458	81	8	by	by	ADP
ajiss-458	81	9	islamic	islamic	ADJ
ajiss-458	81	10	banks	bank	NOUN
ajiss-458	81	11	is	be	AUX
ajiss-458	81	12	somewhat	somewhat	ADV
ajiss-458	81	13	restricted	restrict	VERB
ajiss-458	81	14	when	when	SCONJ
ajiss-458	81	15	compared	compare	VERB
ajiss-458	81	16	with	with	ADP
ajiss-458	81	17	the	the	DET
ajiss-458	81	18	scope	scope	NOUN
ajiss-458	81	19	of	of	ADP
ajiss-458	81	20	financing	finance	VERB
ajiss-458	81	21	open	open	ADJ
ajiss-458	81	22	to	to	ADP
ajiss-458	81	23	conventional	conventional	ADJ
ajiss-458	81	24	banks	bank	NOUN
ajiss-458	81	25	.	.	PUNCT
ajiss-458	82	1	zakat	zakat	X
ajiss-458	82	2	.	.	PUNCT
ajiss-458	83	1	zakat	zakat	PROPN
ajiss-458	83	2	is	be	AUX
ajiss-458	83	3	a	a	DET
ajiss-458	83	4	compulsory	compulsory	ADJ
ajiss-458	83	5	religious	religious	ADJ
ajiss-458	83	6	tax	tax	NOUN
ajiss-458	83	7	payable	payable	ADJ
ajiss-458	83	8	to	to	ADP
ajiss-458	83	9	the	the	DET
ajiss-458	83	10	poor	poor	ADJ
ajiss-458	83	11	by	by	ADP
ajiss-458	83	12	those	those	PRON
ajiss-458	83	13	who	who	PRON
ajiss-458	83	14	have	have	AUX
ajiss-458	83	15	acquired	acquire	VERB
ajiss-458	83	16	a	a	DET
ajiss-458	83	17	certain	certain	ADJ
ajiss-458	83	18	amount	amount	NOUN
ajiss-458	83	19	of	of	ADP
ajiss-458	83	20	wealth	wealth	NOUN
ajiss-458	83	21	(	(	PUNCT
ajiss-458	83	22	nisab	nisab	NOUN
ajiss-458	83	23	)	)	PUNCT
ajiss-458	83	24	.	.	PUNCT
ajiss-458	84	1	each	each	DET
ajiss-458	84	2	islamic	islamic	PROPN
ajiss-458	84	3	bank	bank	PROPN
ajiss-458	84	4	must	must	AUX
ajiss-458	84	5	establish	establish	VERB
ajiss-458	84	6	a	a	DET
ajiss-458	84	7	zakat	zakat	NOUN
ajiss-458	84	8	fund	fund	NOUN
ajiss-458	84	9	and	and	CCONJ
ajiss-458	84	10	pay	pay	VERB
ajiss-458	84	11	this	this	DET
ajiss-458	84	12	tax	tax	NOUN
ajiss-458	84	13	if	if	SCONJ
ajiss-458	84	14	the	the	DET
ajiss-458	84	15	level	level	NOUN
ajiss-458	84	16	of	of	ADP
ajiss-458	84	17	its	its	PRON
ajiss-458	84	18	earned	earn	VERB
ajiss-458	84	19	profits	profit	NOUN
ajiss-458	84	20	reaches	reach	VERB
ajiss-458	84	21	the	the	DET
ajiss-458	84	22	level	level	NOUN
ajiss-458	84	23	of	of	ADP
ajiss-458	84	24	nisab	nisab	NOUN
ajiss-458	84	25	.	.	PUNCT
ajiss-458	85	1	paying	pay	VERB
ajiss-458	85	2	zakat	zakat	NOUN
ajiss-458	85	3	does	do	AUX
ajiss-458	85	4	not	not	PART
ajiss-458	85	5	exclude	exclude	VERB
ajiss-458	85	6	islamic	islamic	ADJ
ajiss-458	85	7	banks	bank	NOUN
ajiss-458	85	8	from	from	ADP
ajiss-458	85	9	paying	pay	VERB
ajiss-458	85	10	any	any	DET
ajiss-458	85	11	business	business	NOUN
ajiss-458	85	12	-	-	PUNCT
ajiss-458	85	13	related	relate	VERB
ajiss-458	85	14	income	income	NOUN
ajiss-458	85	15	taxes	taxis	NOUN
ajiss-458	85	16	.	.	PUNCT
ajiss-458	86	1	thus	thus	ADV
ajiss-458	86	2	,	,	PUNCT
ajiss-458	86	3	islamic	islamic	ADJ
ajiss-458	86	4	banks	bank	NOUN
ajiss-458	86	5	face	face	VERB
ajiss-458	86	6	a	a	DET
ajiss-458	86	7	dual	dual	ADJ
ajiss-458	86	8	constraint	constraint	NOUN
ajiss-458	86	9	:	:	PUNCT
ajiss-458	86	10	the	the	DET
ajiss-458	86	11	payment	payment	NOUN
ajiss-458	86	12	of	of	ADP
ajiss-458	86	13	a	a	DET
ajiss-458	86	14	religious	religious	ADJ
ajiss-458	86	15	tax	tax	NOUN
ajiss-458	86	16	(	(	PUNCT
ajiss-458	86	17	zakat	zakat	NOUN
ajiss-458	86	18	)	)	PUNCT
ajiss-458	86	19	as	as	ADV
ajiss-458	86	20	well	well	ADV
ajiss-458	86	21	as	as	ADP
ajiss-458	86	22	a	a	DET
ajiss-458	86	23	regular	regular	ADJ
ajiss-458	86	24	business	business	NOUN
ajiss-458	86	25	income	income	NOUN
ajiss-458	86	26	tax	tax	NOUN
ajiss-458	86	27	.	.	PUNCT
ajiss-458	87	1	products	product	NOUN
ajiss-458	87	2	of	of	ADP
ajiss-458	87	3	islamic	islamic	ADJ
ajiss-458	87	4	banks	bank	NOUN
ajiss-458	87	5	and	and	CCONJ
ajiss-458	87	6	their	their	PRON
ajiss-458	87	7	key	key	ADJ
ajiss-458	87	8	elements	element	NOUN
ajiss-458	87	9	.	.	PUNCT
ajiss-458	88	1	the	the	DET
ajiss-458	88	2	prohibition	prohibition	NOUN
ajiss-458	88	3	of	of	ADP
ajiss-458	88	4	interest	interest	NOUN
ajiss-458	88	5	has	have	AUX
ajiss-458	88	6	led	lead	VERB
ajiss-458	88	7	islamic	islamic	ADJ
ajiss-458	88	8	banks	bank	NOUN
ajiss-458	88	9	to	to	PART
ajiss-458	88	10	create	create	VERB
ajiss-458	88	11	various	various	ADJ
ajiss-458	88	12	islamic	islamic	ADJ
ajiss-458	88	13	financial	financial	ADJ
ajiss-458	88	14	instruments	instrument	NOUN
ajiss-458	88	15	as	as	ADP
ajiss-458	88	16	alternatives	alternative	NOUN
ajiss-458	88	17	to	to	ADP
ajiss-458	88	18	conventional	conventional	ADJ
ajiss-458	88	19	financing	financing	NOUN
ajiss-458	88	20	methods	method	NOUN
ajiss-458	88	21	.	.	PUNCT
ajiss-458	89	1	based	base	VERB
ajiss-458	89	2	on	on	ADP
ajiss-458	89	3	the	the	DET
ajiss-458	89	4	nature	nature	NOUN
ajiss-458	89	5	of	of	ADP
ajiss-458	89	6	the	the	DET
ajiss-458	89	7	contracts	contract	NOUN
ajiss-458	89	8	,	,	PUNCT
ajiss-458	89	9	these	these	DET
ajiss-458	89	10	islamic	islamic	ADJ
ajiss-458	89	11	financial	financial	ADJ
ajiss-458	89	12	products	product	NOUN
ajiss-458	89	13	may	may	AUX
ajiss-458	89	14	be	be	AUX
ajiss-458	89	15	classified	classify	VERB
ajiss-458	89	16	into	into	ADP
ajiss-458	89	17	two	two	NUM
ajiss-458	89	18	broad	broad	ADJ
ajiss-458	89	19	categories	category	NOUN
ajiss-458	89	20	:	:	PUNCT
ajiss-458	89	21	equity	equity	NOUN
ajiss-458	89	22	-	-	PUNCT
ajiss-458	89	23	type	type	NOUN
ajiss-458	89	24	contracts	contract	NOUN
ajiss-458	89	25	and	and	CCONJ
ajiss-458	89	26	mark	mark	NOUN
ajiss-458	89	27	-	-	PUNCT
ajiss-458	89	28	up	up	ADP
ajiss-458	89	29	price	price	NOUN
ajiss-458	89	30	(	(	PUNCT
ajiss-458	89	31	debt)type	debt)type	NOUN
ajiss-458	89	32	contracts	contract	NOUN
ajiss-458	89	33	.	.	PUNCT
ajiss-458	90	1	equity	equity	NOUN
ajiss-458	90	2	-	-	PUNCT
ajiss-458	90	3	type	type	NOUN
ajiss-458	90	4	contracts	contract	NOUN
ajiss-458	90	5	.	.	PUNCT
ajiss-458	91	1	mudarabah	mudarabah	NOUN
ajiss-458	91	2	(	(	PUNCT
ajiss-458	91	3	trust	trust	NOUN
ajiss-458	91	4	financing	financing	NOUN
ajiss-458	91	5	)	)	PUNCT
ajiss-458	91	6	and	and	CCONJ
ajiss-458	91	7	musharakah	musharakah	PROPN
ajiss-458	91	8	(	(	PUNCT
ajiss-458	91	9	partnership	partnership	NOUN
ajiss-458	91	10	)	)	PUNCT
ajiss-458	91	11	,	,	PUNCT
ajiss-458	91	12	based	base	VERB
ajiss-458	91	13	on	on	ADP
ajiss-458	91	14	the	the	DET
ajiss-458	91	15	profit	profit	NOUN
ajiss-458	91	16	-	-	PUNCT
ajiss-458	91	17	and	and	CCONJ
ajiss-458	91	18	-	-	PUNCT
ajiss-458	91	19	loss	loss	NOUN
ajiss-458	91	20	sharing	sharing	NOUN
ajiss-458	91	21	(	(	PUNCT
ajiss-458	91	22	pls	pls	INTJ
ajiss-458	91	23	)	)	PUNCT
ajiss-458	91	24	principle	principle	NOUN
ajiss-458	91	25	,	,	PUNCT
ajiss-458	91	26	are	be	AUX
ajiss-458	91	27	the	the	DET
ajiss-458	91	28	only	only	ADV
ajiss-458	91	29	two	two	NUM
ajiss-458	91	30	products	product	NOUN
ajiss-458	91	31	that	that	PRON
ajiss-458	91	32	fall	fall	VERB
ajiss-458	91	33	into	into	ADP
ajiss-458	91	34	equity	equity	NOUN
ajiss-458	91	35	-	-	PUNCT
ajiss-458	91	36	type	type	NOUN
ajiss-458	91	37	contracts.26	contracts.26	NOUN
ajiss-458	91	38	under	under	ADP
ajiss-458	91	39	a	a	DET
ajiss-458	91	40	mudarabah	mudarabah	NOUN
ajiss-458	91	41	contract	contract	NOUN
ajiss-458	91	42	,	,	PUNCT
ajiss-458	91	43	the	the	DET
ajiss-458	91	44	two	two	NUM
ajiss-458	91	45	parties	party	NOUN
ajiss-458	91	46	–	–	PUNCT
ajiss-458	91	47	the	the	DET
ajiss-458	91	48	supplier	supplier	NOUN
ajiss-458	91	49	of	of	ADP
ajiss-458	91	50	capital	capital	NOUN
ajiss-458	91	51	(	(	PUNCT
ajiss-458	91	52	rabb	rabb	PROPN
ajiss-458	91	53	al	al	PROPN
ajiss-458	91	54	-	-	PUNCT
ajiss-458	91	55	mal	mal	ADJ
ajiss-458	91	56	)	)	PUNCT
ajiss-458	91	57	and	and	CCONJ
ajiss-458	91	58	the	the	DET
ajiss-458	91	59	entrepreneur	entrepreneur	NOUN
ajiss-458	91	60	(	(	PUNCT
ajiss-458	91	61	trustee	trustee	NOUN
ajiss-458	91	62	of	of	ADP
ajiss-458	91	63	the	the	DET
ajiss-458	91	64	venture	venture	NOUN
ajiss-458	91	65	)	)	PUNCT
ajiss-458	91	66	–	–	PUNCT
ajiss-458	91	67	share	share	VERB
ajiss-458	91	68	the	the	DET
ajiss-458	91	69	profits	profit	NOUN
ajiss-458	91	70	according	accord	VERB
ajiss-458	91	71	to	to	ADP
ajiss-458	91	72	an	an	DET
ajiss-458	91	73	agreed	agree	VERB
ajiss-458	91	74	-	-	PUNCT
ajiss-458	91	75	upon	upon	NOUN
ajiss-458	91	76	pls	pls	NOUN
ajiss-458	91	77	ratio	ratio	NOUN
ajiss-458	91	78	.	.	PUNCT
ajiss-458	92	1	it	it	PRON
ajiss-458	92	2	may	may	AUX
ajiss-458	92	3	be	be	AUX
ajiss-458	92	4	70:30	70:30	NUM
ajiss-458	92	5	or	or	CCONJ
ajiss-458	92	6	80:20	80:20	NUM
ajiss-458	92	7	,	,	PUNCT
ajiss-458	92	8	depending	depend	VERB
ajiss-458	92	9	upon	upon	SCONJ
ajiss-458	92	10	the	the	DET
ajiss-458	92	11	agreement	agreement	NOUN
ajiss-458	92	12	.	.	PUNCT
ajiss-458	93	1	the	the	DET
ajiss-458	93	2	first	first	ADJ
ajiss-458	93	3	key	key	ADJ
ajiss-458	93	4	element	element	NOUN
ajiss-458	93	5	of	of	ADP
ajiss-458	93	6	a	a	DET
ajiss-458	93	7	mudarabah	mudarabah	NOUN
ajiss-458	93	8	contract	contract	NOUN
ajiss-458	93	9	is	be	AUX
ajiss-458	93	10	that	that	SCONJ
ajiss-458	93	11	the	the	DET
ajiss-458	93	12	lender	lender	NOUN
ajiss-458	93	13	is	be	AUX
ajiss-458	93	14	not	not	PART
ajiss-458	93	15	guaranteed	guarantee	VERB
ajiss-458	93	16	a	a	DET
ajiss-458	93	17	specific	specific	ADJ
ajiss-458	93	18	return	return	NOUN
ajiss-458	93	19	.	.	PUNCT
ajiss-458	94	1	there	there	PRON
ajiss-458	94	2	also	also	ADV
ajiss-458	94	3	is	be	AUX
ajiss-458	94	4	no	no	DET
ajiss-458	94	5	fixed	fix	VERB
ajiss-458	94	6	annual	annual	ADJ
ajiss-458	94	7	payment	payment	NOUN
ajiss-458	94	8	.	.	PUNCT
ajiss-458	95	1	this	this	PRON
ajiss-458	95	2	is	be	AUX
ajiss-458	95	3	in	in	ADP
ajiss-458	95	4	direct	direct	ADJ
ajiss-458	95	5	contrast	contrast	NOUN
ajiss-458	95	6	to	to	ADP
ajiss-458	95	7	conventional	conventional	ADJ
ajiss-458	95	8	interest	interest	NOUN
ajiss-458	95	9	-	-	PUNCT
ajiss-458	95	10	based	base	VERB
ajiss-458	95	11	lending	lending	NOUN
ajiss-458	95	12	/	/	SYM
ajiss-458	95	13	financing	financing	NOUN
ajiss-458	95	14	,	,	PUNCT
ajiss-458	95	15	in	in	ADP
ajiss-458	95	16	which	which	PRON
ajiss-458	95	17	a	a	DET
ajiss-458	95	18	loan	loan	NOUN
ajiss-458	95	19	is	be	AUX
ajiss-458	95	20	not	not	PART
ajiss-458	95	21	contingent	contingent	ADJ
ajiss-458	95	22	upon	upon	SCONJ
ajiss-458	95	23	the	the	DET
ajiss-458	95	24	profit	profit	NOUN
ajiss-458	95	25	or	or	CCONJ
ajiss-458	95	26	loss	loss	NOUN
ajiss-458	95	27	outcome	outcome	NOUN
ajiss-458	95	28	of	of	ADP
ajiss-458	95	29	the	the	DET
ajiss-458	95	30	enterprise	enterprise	NOUN
ajiss-458	95	31	and	and	CCONJ
ajiss-458	95	32	is	be	AUX
ajiss-458	95	33	normally	normally	ADV
ajiss-458	95	34	secured	secure	VERB
ajiss-458	95	35	by	by	ADP
ajiss-458	95	36	collateral	collateral	NOUN
ajiss-458	95	37	.	.	PUNCT
ajiss-458	96	1	thus	thus	ADV
ajiss-458	96	2	,	,	PUNCT
ajiss-458	96	3	any	any	DET
ajiss-458	96	4	losses	loss	NOUN
ajiss-458	96	5	must	must	AUX
ajiss-458	96	6	be	be	AUX
ajiss-458	96	7	borne	bear	VERB
ajiss-458	96	8	by	by	ADP
ajiss-458	96	9	the	the	DET
ajiss-458	96	10	debtor	debtor	NOUN
ajiss-458	96	11	and	and	CCONJ
ajiss-458	96	12	not	not	PART
ajiss-458	96	13	the	the	DET
ajiss-458	96	14	lender	lender	NOUN
ajiss-458	96	15	.	.	PUNCT
ajiss-458	97	1	the	the	DET
ajiss-458	97	2	second	second	ADJ
ajiss-458	97	3	key	key	ADJ
ajiss-458	97	4	element	element	NOUN
ajiss-458	97	5	concerns	concern	NOUN
ajiss-458	97	6	losses	loss	NOUN
ajiss-458	97	7	that	that	PRON
ajiss-458	97	8	may	may	AUX
ajiss-458	97	9	arise	arise	VERB
ajiss-458	97	10	from	from	ADP
ajiss-458	97	11	the	the	DET
ajiss-458	97	12	business	business	NOUN
ajiss-458	97	13	venture	venture	NOUN
ajiss-458	97	14	.	.	PUNCT
ajiss-458	98	1	according	accord	VERB
ajiss-458	98	2	to	to	ADP
ajiss-458	98	3	maniam	maniam	PROPN
ajiss-458	98	4	,	,	PUNCT
ajiss-458	98	5	bexley	bexley	NOUN
ajiss-458	98	6	,	,	PUNCT
ajiss-458	98	7	and	and	CCONJ
ajiss-458	98	8	james	jame	NOUN
ajiss-458	98	9	:	:	PUNCT
ajiss-458	98	10	74	74	NUM
ajiss-458	98	11	the	the	DET
ajiss-458	98	12	american	american	ADJ
ajiss-458	98	13	journal	journal	PROPN
ajiss-458	98	14	of	of	ADP
ajiss-458	98	15	islamic	islamic	ADJ
ajiss-458	98	16	social	social	PROPN
ajiss-458	98	17	sciences	sciences	PROPN
ajiss-458	98	18	22:2	22:2	PROPN
ajiss-458	98	19	samad	samad	PROPN
ajiss-458	98	20	,	,	PUNCT
ajiss-458	98	21	gardner	gardner	NOUN
ajiss-458	98	22	,	,	PUNCT
ajiss-458	98	23	and	and	CCONJ
ajiss-458	98	24	cook	cook	VERB
ajiss-458	98	25	:	:	PUNCT
ajiss-458	98	26	islamic	islamic	ADJ
ajiss-458	98	27	banking	banking	NOUN
ajiss-458	98	28	and	and	CCONJ
ajiss-458	98	29	finance	finance	NOUN
ajiss-458	98	30	75	75	NUM
ajiss-458	98	31	the	the	DET
ajiss-458	98	32	financier	financier	NOUN
ajiss-458	98	33	or	or	CCONJ
ajiss-458	98	34	investor	investor	NOUN
ajiss-458	98	35	is	be	AUX
ajiss-458	98	36	not	not	PART
ajiss-458	98	37	liable	liable	ADJ
ajiss-458	98	38	for	for	ADP
ajiss-458	98	39	losses	loss	NOUN
ajiss-458	98	40	beyond	beyond	ADP
ajiss-458	98	41	the	the	DET
ajiss-458	98	42	capital	capital	NOUN
ajiss-458	98	43	he	he	PRON
ajiss-458	98	44	has	have	AUX
ajiss-458	98	45	contributed	contribute	VERB
ajiss-458	98	46	,	,	PUNCT
ajiss-458	98	47	and	and	CCONJ
ajiss-458	98	48	the	the	DET
ajiss-458	98	49	entrepreneur	entrepreneur	NOUN
ajiss-458	98	50	or	or	CCONJ
ajiss-458	98	51	trustee	trustee	NOUN
ajiss-458	98	52	does	do	AUX
ajiss-458	98	53	not	not	PART
ajiss-458	98	54	share	share	VERB
ajiss-458	98	55	in	in	ADP
ajiss-458	98	56	financial	financial	ADJ
ajiss-458	98	57	losses	loss	NOUN
ajiss-458	98	58	except	except	SCONJ
ajiss-458	98	59	for	for	ADP
ajiss-458	98	60	the	the	DET
ajiss-458	98	61	loss	loss	NOUN
ajiss-458	98	62	of	of	ADP
ajiss-458	98	63	his	his	PRON
ajiss-458	98	64	time	time	NOUN
ajiss-458	98	65	and	and	CCONJ
ajiss-458	98	66	efforts.27	efforts.27	PROPN
ajiss-458	98	67	according	accord	VERB
ajiss-458	98	68	to	to	ADP
ajiss-458	98	69	the	the	DET
ajiss-458	98	70	shari`ah	shari`ah	PROPN
ajiss-458	98	71	,	,	PUNCT
ajiss-458	98	72	the	the	DET
ajiss-458	98	73	supplier	supplier	NOUN
ajiss-458	98	74	of	of	ADP
ajiss-458	98	75	capital	capital	NOUN
ajiss-458	98	76	bears	bear	VERB
ajiss-458	98	77	the	the	DET
ajiss-458	98	78	financial	financial	ADJ
ajiss-458	98	79	loss	loss	NOUN
ajiss-458	98	80	,	,	PUNCT
ajiss-458	98	81	not	not	PART
ajiss-458	98	82	the	the	DET
ajiss-458	98	83	trustee	trustee	NOUN
ajiss-458	98	84	(	(	PUNCT
ajiss-458	98	85	mudarib	mudarib	NOUN
ajiss-458	98	86	)	)	PUNCT
ajiss-458	98	87	who	who	PRON
ajiss-458	98	88	runs	run	VERB
ajiss-458	98	89	the	the	DET
ajiss-458	98	90	business	business	NOUN
ajiss-458	98	91	.	.	PUNCT
ajiss-458	99	1	the	the	DET
ajiss-458	99	2	third	third	ADJ
ajiss-458	99	3	key	key	ADJ
ajiss-458	99	4	element	element	NOUN
ajiss-458	99	5	is	be	AUX
ajiss-458	99	6	that	that	SCONJ
ajiss-458	99	7	a	a	DET
ajiss-458	99	8	financier	financier	NOUN
ajiss-458	99	9	(	(	PUNCT
ajiss-458	99	10	i.e.	i.e.	X
ajiss-458	99	11	,	,	PUNCT
ajiss-458	99	12	the	the	DET
ajiss-458	99	13	islamic	islamic	PROPN
ajiss-458	99	14	bank	bank	PROPN
ajiss-458	99	15	)	)	PUNCT
ajiss-458	99	16	has	have	VERB
ajiss-458	99	17	no	no	DET
ajiss-458	99	18	control	control	NOUN
ajiss-458	99	19	over	over	ADP
ajiss-458	99	20	how	how	SCONJ
ajiss-458	99	21	the	the	DET
ajiss-458	99	22	entrepreneur	entrepreneur	NOUN
ajiss-458	99	23	or	or	CCONJ
ajiss-458	99	24	trustee	trustee	NOUN
ajiss-458	99	25	manages	manage	VERB
ajiss-458	99	26	the	the	DET
ajiss-458	99	27	business	business	NOUN
ajiss-458	99	28	venture	venture	NOUN
ajiss-458	99	29	.	.	PUNCT
ajiss-458	100	1	a	a	DET
ajiss-458	100	2	musharakah	musharakah	PROPN
ajiss-458	100	3	underaking	underake	VERB
ajiss-458	100	4	is	be	AUX
ajiss-458	100	5	a	a	DET
ajiss-458	100	6	partnership	partnership	NOUN
ajiss-458	100	7	contract	contract	NOUN
ajiss-458	100	8	between	between	ADP
ajiss-458	100	9	two	two	NUM
ajiss-458	100	10	or	or	CCONJ
ajiss-458	100	11	more	more	ADJ
ajiss-458	100	12	parties	party	NOUN
ajiss-458	100	13	,	,	PUNCT
ajiss-458	100	14	each	each	PRON
ajiss-458	100	15	of	of	ADP
ajiss-458	100	16	which	which	PRON
ajiss-458	100	17	contributes	contribute	VERB
ajiss-458	100	18	investment	investment	NOUN
ajiss-458	100	19	capital	capital	NOUN
ajiss-458	100	20	.	.	PUNCT
ajiss-458	101	1	in	in	ADP
ajiss-458	101	2	a	a	DET
ajiss-458	101	3	conventional	conventional	ADJ
ajiss-458	101	4	sense	sense	NOUN
ajiss-458	101	5	,	,	PUNCT
ajiss-458	101	6	it	it	PRON
ajiss-458	101	7	is	be	AUX
ajiss-458	101	8	a	a	DET
ajiss-458	101	9	joint	joint	ADJ
ajiss-458	101	10	business	business	NOUN
ajiss-458	101	11	contract	contract	NOUN
ajiss-458	101	12	.	.	PUNCT
ajiss-458	102	1	the	the	DET
ajiss-458	102	2	first	first	ADJ
ajiss-458	102	3	element	element	NOUN
ajiss-458	102	4	of	of	ADP
ajiss-458	102	5	a	a	DET
ajiss-458	102	6	musharakah	musharakah	ADJ
ajiss-458	102	7	contract	contract	NOUN
ajiss-458	102	8	is	be	AUX
ajiss-458	102	9	that	that	SCONJ
ajiss-458	102	10	both	both	DET
ajiss-458	102	11	parties	party	NOUN
ajiss-458	102	12	contribute	contribute	VERB
ajiss-458	102	13	capital	capital	NOUN
ajiss-458	102	14	investment	investment	NOUN
ajiss-458	102	15	and	and	CCONJ
ajiss-458	102	16	that	that	SCONJ
ajiss-458	102	17	profits	profit	NOUN
ajiss-458	102	18	are	be	AUX
ajiss-458	102	19	shared	share	VERB
ajiss-458	102	20	by	by	ADP
ajiss-458	102	21	a	a	DET
ajiss-458	102	22	prearranged	prearrange	VERB
ajiss-458	102	23	agreement	agreement	NOUN
ajiss-458	102	24	,	,	PUNCT
ajiss-458	102	25	not	not	PART
ajiss-458	102	26	necessarily	necessarily	ADV
ajiss-458	102	27	in	in	ADP
ajiss-458	102	28	proportion	proportion	NOUN
ajiss-458	102	29	to	to	ADP
ajiss-458	102	30	their	their	PRON
ajiss-458	102	31	invested	invest	VERB
ajiss-458	102	32	capital	capital	NOUN
ajiss-458	102	33	.	.	PUNCT
ajiss-458	103	1	in	in	ADP
ajiss-458	103	2	case	case	NOUN
ajiss-458	103	3	of	of	ADP
ajiss-458	103	4	loss	loss	NOUN
ajiss-458	103	5	,	,	PUNCT
ajiss-458	103	6	both	both	DET
ajiss-458	103	7	parties	party	NOUN
ajiss-458	103	8	share	share	VERB
ajiss-458	103	9	in	in	ADP
ajiss-458	103	10	proportion	proportion	NOUN
ajiss-458	103	11	to	to	ADP
ajiss-458	103	12	their	their	PRON
ajiss-458	103	13	capital	capital	NOUN
ajiss-458	103	14	contribution	contribution	NOUN
ajiss-458	103	15	.	.	PUNCT
ajiss-458	104	1	the	the	DET
ajiss-458	104	2	second	second	ADJ
ajiss-458	104	3	element	element	NOUN
ajiss-458	104	4	is	be	AUX
ajiss-458	104	5	that	that	SCONJ
ajiss-458	104	6	both	both	DET
ajiss-458	104	7	parties	party	NOUN
ajiss-458	104	8	share	share	VERB
ajiss-458	104	9	and	and	CCONJ
ajiss-458	104	10	control	control	VERB
ajiss-458	104	11	how	how	SCONJ
ajiss-458	104	12	the	the	DET
ajiss-458	104	13	investment	investment	NOUN
ajiss-458	104	14	is	be	AUX
ajiss-458	104	15	managed	manage	VERB
ajiss-458	104	16	.	.	PUNCT
ajiss-458	105	1	thus	thus	ADV
ajiss-458	105	2	,	,	PUNCT
ajiss-458	105	3	the	the	DET
ajiss-458	105	4	islamic	islamic	PROPN
ajiss-458	105	5	bank	bank	PROPN
ajiss-458	105	6	has	have	VERB
ajiss-458	105	7	the	the	DET
ajiss-458	105	8	right	right	NOUN
ajiss-458	105	9	to	to	PART
ajiss-458	105	10	examine	examine	VERB
ajiss-458	105	11	the	the	DET
ajiss-458	105	12	enterprise	enterprise	NOUN
ajiss-458	105	13	’s	’s	PART
ajiss-458	105	14	books	book	NOUN
ajiss-458	105	15	and	and	CCONJ
ajiss-458	105	16	supervise	supervise	VERB
ajiss-458	105	17	its	its	PRON
ajiss-458	105	18	management	management	NOUN
ajiss-458	105	19	.	.	PUNCT
ajiss-458	106	1	the	the	DET
ajiss-458	106	2	third	third	ADJ
ajiss-458	106	3	element	element	NOUN
ajiss-458	106	4	is	be	AUX
ajiss-458	106	5	that	that	SCONJ
ajiss-458	106	6	liability	liability	NOUN
ajiss-458	106	7	is	be	AUX
ajiss-458	106	8	unlimited	unlimited	ADJ
ajiss-458	106	9	.	.	PUNCT
ajiss-458	107	1	“	"	PUNCT
ajiss-458	107	2	therefore	therefore	ADV
ajiss-458	107	3	,	,	PUNCT
ajiss-458	107	4	”	"	PUNCT
ajiss-458	107	5	write	write	VERB
ajiss-458	107	6	maniam	maniam	PROPN
ajiss-458	107	7	,	,	PUNCT
ajiss-458	107	8	bexley	bexley	NOUN
ajiss-458	107	9	,	,	PUNCT
ajiss-458	107	10	and	and	CCONJ
ajiss-458	107	11	james	james	PROPN
ajiss-458	107	12	,	,	PUNCT
ajiss-458	107	13	“	"	PUNCT
ajiss-458	107	14	each	each	DET
ajiss-458	107	15	partner	partner	NOUN
ajiss-458	107	16	is	be	AUX
ajiss-458	107	17	fully	fully	ADV
ajiss-458	107	18	liable	liable	ADJ
ajiss-458	107	19	for	for	ADP
ajiss-458	107	20	the	the	DET
ajiss-458	107	21	actions	action	NOUN
ajiss-458	107	22	and	and	CCONJ
ajiss-458	107	23	commitments	commitment	NOUN
ajiss-458	107	24	of	of	ADP
ajiss-458	107	25	the	the	DET
ajiss-458	107	26	other	other	ADJ
ajiss-458	107	27	in	in	ADP
ajiss-458	107	28	financial	financial	ADJ
ajiss-458	107	29	matters	matter	NOUN
ajiss-458	107	30	.	.	PUNCT
ajiss-458	108	1	”28	”28	NOUN
ajiss-458	108	2	given	give	VERB
ajiss-458	108	3	the	the	DET
ajiss-458	108	4	above	above	ADJ
ajiss-458	108	5	factors	factor	NOUN
ajiss-458	108	6	,	,	PUNCT
ajiss-458	108	7	both	both	DET
ajiss-458	108	8	mudarabah	mudarabah	NOUN
ajiss-458	108	9	and	and	CCONJ
ajiss-458	108	10	musharakah	musharakah	NOUN
ajiss-458	108	11	have	have	VERB
ajiss-458	108	12	elements	element	NOUN
ajiss-458	108	13	of	of	ADP
ajiss-458	108	14	equity	equity	NOUN
ajiss-458	108	15	financing	financing	NOUN
ajiss-458	108	16	.	.	PUNCT
ajiss-458	109	1	the	the	DET
ajiss-458	109	2	islamic	islamic	PROPN
ajiss-458	109	3	bank	bank	PROPN
ajiss-458	109	4	,	,	PUNCT
ajiss-458	109	5	as	as	ADP
ajiss-458	109	6	a	a	DET
ajiss-458	109	7	supplier	supplier	NOUN
ajiss-458	109	8	of	of	ADP
ajiss-458	109	9	funds	fund	NOUN
ajiss-458	109	10	,	,	PUNCT
ajiss-458	109	11	undertakes	undertake	VERB
ajiss-458	109	12	joint	joint	ADJ
ajiss-458	109	13	ventures	venture	NOUN
ajiss-458	109	14	with	with	ADP
ajiss-458	109	15	individual	individual	ADJ
ajiss-458	109	16	customers	customer	NOUN
ajiss-458	109	17	.	.	PUNCT
ajiss-458	110	1	such	such	DET
ajiss-458	110	2	a	a	DET
ajiss-458	110	3	relationship	relationship	NOUN
ajiss-458	110	4	is	be	AUX
ajiss-458	110	5	prohibited	prohibit	VERB
ajiss-458	110	6	in	in	ADP
ajiss-458	110	7	the	the	DET
ajiss-458	110	8	conventional	conventional	ADJ
ajiss-458	110	9	banking	banking	NOUN
ajiss-458	110	10	system	system	NOUN
ajiss-458	110	11	.	.	PUNCT
ajiss-458	111	1	mark	mark	NOUN
ajiss-458	111	2	-	-	PUNCT
ajiss-458	111	3	up	up	ADP
ajiss-458	111	4	price	price	NOUN
ajiss-458	111	5	(	(	PUNCT
ajiss-458	111	6	debt)-type	debt)-type	PROPN
ajiss-458	111	7	contracts	contract	NOUN
ajiss-458	111	8	.	.	PUNCT
ajiss-458	112	1	the	the	DET
ajiss-458	112	2	basic	basic	ADJ
ajiss-458	112	3	principle	principle	NOUN
ajiss-458	112	4	of	of	ADP
ajiss-458	112	5	mark	mark	NOUN
ajiss-458	112	6	-	-	PUNCT
ajiss-458	112	7	up	up	ADP
ajiss-458	112	8	contracts	contract	NOUN
ajiss-458	112	9	is	be	AUX
ajiss-458	112	10	that	that	SCONJ
ajiss-458	112	11	the	the	DET
ajiss-458	112	12	bank	bank	NOUN
ajiss-458	112	13	finances	finance	VERB
ajiss-458	112	14	the	the	DET
ajiss-458	112	15	purchase	purchase	NOUN
ajiss-458	112	16	of	of	ADP
ajiss-458	112	17	assets	asset	NOUN
ajiss-458	112	18	in	in	ADP
ajiss-458	112	19	exchange	exchange	NOUN
ajiss-458	112	20	for	for	ADP
ajiss-458	112	21	a	a	DET
ajiss-458	112	22	negotiated	negotiate	VERB
ajiss-458	112	23	profit	profit	NOUN
ajiss-458	112	24	margin	margin	NOUN
ajiss-458	112	25	.	.	PUNCT
ajiss-458	113	1	two	two	NUM
ajiss-458	113	2	of	of	ADP
ajiss-458	113	3	the	the	DET
ajiss-458	113	4	five	five	NUM
ajiss-458	113	5	instruments	instrument	NOUN
ajiss-458	113	6	in	in	ADP
ajiss-458	113	7	this	this	DET
ajiss-458	113	8	category	category	NOUN
ajiss-458	113	9	are	be	AUX
ajiss-458	113	10	widely	widely	ADV
ajiss-458	113	11	used	use	VERB
ajiss-458	113	12	.	.	PUNCT
ajiss-458	114	1	murabahah	murabahah	NOUN
ajiss-458	114	2	(	(	PUNCT
ajiss-458	114	3	cost	cost	NOUN
ajiss-458	114	4	-	-	PUNCT
ajiss-458	114	5	plus	plus	CCONJ
ajiss-458	114	6	-	-	PUNCT
ajiss-458	114	7	profit	profit	NOUN
ajiss-458	114	8	margin	margin	NOUN
ajiss-458	114	9	)	)	PUNCT
ajiss-458	114	10	.	.	PUNCT
ajiss-458	115	1	murabahah	murabahah	NOUN
ajiss-458	115	2	(	(	PUNCT
ajiss-458	115	3	bay	bay	NOUN
ajiss-458	115	4	`	`	PUNCT
ajiss-458	115	5	bi	bi	PROPN
ajiss-458	115	6	al	al	PROPN
ajiss-458	115	7	-	-	PUNCT
ajiss-458	115	8	thaman	thaman	PROPN
ajiss-458	115	9	al	al	PROPN
ajiss-458	115	10	-	-	PUNCT
ajiss-458	115	11	ajil	ajil	PROPN
ajiss-458	115	12	)	)	PUNCT
ajiss-458	115	13	is	be	AUX
ajiss-458	115	14	a	a	DET
ajiss-458	115	15	cost	cost	NOUN
ajiss-458	115	16	-	-	PUNCT
ajiss-458	115	17	plus	plus	CCONJ
ajiss-458	115	18	-	-	PUNCT
ajiss-458	115	19	profit	profit	NOUN
ajiss-458	115	20	margin	margin	NOUN
ajiss-458	115	21	contract	contract	NOUN
ajiss-458	115	22	whereby	whereby	SCONJ
ajiss-458	115	23	the	the	DET
ajiss-458	115	24	islamic	islamic	PROPN
ajiss-458	115	25	bank	bank	PROPN
ajiss-458	115	26	purchases	purchase	VERB
ajiss-458	115	27	an	an	DET
ajiss-458	115	28	asset	asset	NOUN
ajiss-458	115	29	on	on	ADP
ajiss-458	115	30	behalf	behalf	NOUN
ajiss-458	115	31	of	of	ADP
ajiss-458	115	32	an	an	DET
ajiss-458	115	33	entrepreneur	entrepreneur	NOUN
ajiss-458	115	34	and	and	CCONJ
ajiss-458	115	35	resells	resell	VERB
ajiss-458	115	36	it	it	PRON
ajiss-458	115	37	to	to	ADP
ajiss-458	115	38	him	he	PRON
ajiss-458	115	39	/	/	SYM
ajiss-458	115	40	her	she	PRON
ajiss-458	115	41	at	at	ADP
ajiss-458	115	42	a	a	DET
ajiss-458	115	43	predetermined	predetermined	ADJ
ajiss-458	115	44	price	price	NOUN
ajiss-458	115	45	.	.	PUNCT
ajiss-458	116	1	this	this	DET
ajiss-458	116	2	latter	latter	ADJ
ajiss-458	116	3	price	price	NOUN
ajiss-458	116	4	includes	include	VERB
ajiss-458	116	5	the	the	DET
ajiss-458	116	6	cost	cost	NOUN
ajiss-458	116	7	of	of	ADP
ajiss-458	116	8	the	the	DET
ajiss-458	116	9	asset	asset	NOUN
ajiss-458	116	10	plus	plus	CCONJ
ajiss-458	116	11	a	a	DET
ajiss-458	116	12	negotiated	negotiate	VERB
ajiss-458	116	13	profit	profit	NOUN
ajiss-458	116	14	margin	margin	NOUN
ajiss-458	116	15	.	.	PUNCT
ajiss-458	117	1	under	under	ADP
ajiss-458	117	2	this	this	DET
ajiss-458	117	3	contract	contract	NOUN
ajiss-458	117	4	,	,	PUNCT
ajiss-458	117	5	payment	payment	NOUN
ajiss-458	117	6	is	be	AUX
ajiss-458	117	7	made	make	VERB
ajiss-458	117	8	to	to	ADP
ajiss-458	117	9	the	the	DET
ajiss-458	117	10	bank	bank	NOUN
ajiss-458	117	11	in	in	ADP
ajiss-458	117	12	the	the	DET
ajiss-458	117	13	future	future	NOUN
ajiss-458	117	14	either	either	CCONJ
ajiss-458	117	15	in	in	ADP
ajiss-458	117	16	a	a	DET
ajiss-458	117	17	lump	lump	NOUN
ajiss-458	117	18	sum	sum	NOUN
ajiss-458	117	19	or	or	CCONJ
ajiss-458	117	20	in	in	ADP
ajiss-458	117	21	installments	installment	NOUN
ajiss-458	117	22	.	.	PUNCT
ajiss-458	118	1	the	the	DET
ajiss-458	118	2	key	key	ADJ
ajiss-458	118	3	characteristic	characteristic	NOUN
ajiss-458	118	4	of	of	ADP
ajiss-458	118	5	a	a	DET
ajiss-458	118	6	murabahah	murabahah	NOUN
ajiss-458	118	7	contract	contract	NOUN
ajiss-458	118	8	is	be	AUX
ajiss-458	118	9	that	that	SCONJ
ajiss-458	118	10	ownership	ownership	NOUN
ajiss-458	118	11	of	of	ADP
ajiss-458	118	12	the	the	DET
ajiss-458	118	13	asset	asset	NOUN
ajiss-458	118	14	remains	remain	VERB
ajiss-458	118	15	with	with	ADP
ajiss-458	118	16	the	the	DET
ajiss-458	118	17	bank	bank	NOUN
ajiss-458	118	18	until	until	SCONJ
ajiss-458	118	19	all	all	PRON
ajiss-458	118	20	of	of	ADP
ajiss-458	118	21	the	the	DET
ajiss-458	118	22	payments	payment	NOUN
ajiss-458	118	23	have	have	AUX
ajiss-458	118	24	been	be	AUX
ajiss-458	118	25	made	make	VERB
ajiss-458	118	26	.	.	PUNCT
ajiss-458	119	1	this	this	PRON
ajiss-458	119	2	is	be	AUX
ajiss-458	119	3	a	a	DET
ajiss-458	119	4	popular	popular	ADJ
ajiss-458	119	5	substitute	substitute	NOUN
ajiss-458	119	6	for	for	ADP
ajiss-458	119	7	interest	interest	NOUN
ajiss-458	119	8	-	-	PUNCT
ajiss-458	119	9	based	base	VERB
ajiss-458	119	10	conventional	conventional	ADJ
ajiss-458	119	11	trade	trade	NOUN
ajiss-458	119	12	financing.29	financing.29	NOUN
ajiss-458	119	13	from	from	ADP
ajiss-458	119	14	an	an	DET
ajiss-458	119	15	economic	economic	ADJ
ajiss-458	119	16	point	point	NOUN
ajiss-458	119	17	of	of	ADP
ajiss-458	119	18	view	view	NOUN
ajiss-458	119	19	,	,	PUNCT
ajiss-458	119	20	murabahah	murabahah	NOUN
ajiss-458	119	21	financing	financing	NOUN
ajiss-458	119	22	and	and	CCONJ
ajiss-458	119	23	interest	interest	NOUN
ajiss-458	119	24	-	-	PUNCT
ajiss-458	119	25	based	base	VERB
ajiss-458	119	26	trade	trade	NOUN
ajiss-458	119	27	financing	financing	NOUN
ajiss-458	119	28	appear	appear	VERB
ajiss-458	119	29	quite	quite	ADV
ajiss-458	119	30	similar	similar	ADJ
ajiss-458	119	31	,	,	PUNCT
ajiss-458	119	32	except	except	SCONJ
ajiss-458	119	33	in	in	ADP
ajiss-458	119	34	their	their	PRON
ajiss-458	119	35	contractual	contractual	ADJ
ajiss-458	119	36	features	feature	NOUN
ajiss-458	119	37	.	.	PUNCT
ajiss-458	120	1	ijarah	ijarah	NOUN
ajiss-458	120	2	(	(	PUNCT
ajiss-458	120	3	lease	lease	NOUN
ajiss-458	120	4	financing	financing	NOUN
ajiss-458	120	5	)	)	PUNCT
ajiss-458	120	6	.	.	PUNCT
ajiss-458	121	1	ijarah	ijarah	PROPN
ajiss-458	121	2	involves	involve	VERB
ajiss-458	121	3	acquiring	acquire	VERB
ajiss-458	121	4	the	the	DET
ajiss-458	121	5	financing	financing	NOUN
ajiss-458	121	6	needed	need	VERB
ajiss-458	121	7	to	to	PART
ajiss-458	121	8	use	use	VERB
ajiss-458	121	9	a	a	DET
ajiss-458	121	10	particular	particular	ADJ
ajiss-458	121	11	asset	asset	NOUN
ajiss-458	121	12	.	.	PUNCT
ajiss-458	122	1	in	in	ADP
ajiss-458	122	2	such	such	DET
ajiss-458	122	3	a	a	DET
ajiss-458	122	4	contract	contract	NOUN
ajiss-458	122	5	,	,	PUNCT
ajiss-458	122	6	the	the	DET
ajiss-458	122	7	islamic	islamic	PROPN
ajiss-458	122	8	bank	bank	PROPN
ajiss-458	122	9	purchases	purchase	VERB
ajiss-458	122	10	an	an	DET
ajiss-458	122	11	asset	asset	NOUN
ajiss-458	122	12	on	on	ADP
ajiss-458	122	13	behalf	behalf	NOUN
ajiss-458	122	14	of	of	ADP
ajiss-458	122	15	the	the	DET
ajiss-458	122	16	entrepreneur	entrepreneur	NOUN
ajiss-458	122	17	and	and	CCONJ
ajiss-458	122	18	allows	allow	VERB
ajiss-458	122	19	him	he	PRON
ajiss-458	122	20	/	/	SYM
ajiss-458	122	21	her	she	PRON
ajiss-458	122	22	to	to	PART
ajiss-458	122	23	use	use	VERB
ajiss-458	122	24	it	it	PRON
ajiss-458	122	25	for	for	ADP
ajiss-458	122	26	a	a	DET
ajiss-458	122	27	fixed	fix	VERB
ajiss-458	122	28	rental	rental	ADJ
ajiss-458	122	29	payment	payment	NOUN
ajiss-458	122	30	.	.	PUNCT
ajiss-458	123	1	in	in	ADP
ajiss-458	123	2	ijarah	ijarah	PROPN
ajiss-458	123	3	bi	bi	NOUN
ajiss-458	123	4	tamlik	tamlik	NOUN
ajiss-458	123	5	or	or	CCONJ
ajiss-458	123	6	ijarah	ijarah	PROPN
ajiss-458	123	7	wa	wa	PROPN
ajiss-458	123	8	iqtina	iqtina	PROPN
ajiss-458	123	9	`	`	PUNCT
ajiss-458	123	10	(	(	PUNCT
ajiss-458	123	11	lease	lease	VERB
ajiss-458	123	12	financing	financing	NOUN
ajiss-458	123	13	toward	toward	ADP
ajiss-458	123	14	eventual	eventual	ADJ
ajiss-458	123	15	ownership	ownership	NOUN
ajiss-458	123	16	)	)	PUNCT
ajiss-458	123	17	financing	financing	NOUN
ajiss-458	123	18	,	,	PUNCT
ajiss-458	123	19	the	the	DET
ajiss-458	123	20	islamic	islamic	PROPN
ajiss-458	123	21	bank	bank	PROPN
ajiss-458	123	22	buys	buy	VERB
ajiss-458	123	23	an	an	DET
ajiss-458	123	24	asset	asset	NOUN
ajiss-458	123	25	and	and	CCONJ
ajiss-458	123	26	leases	lease	VERB
ajiss-458	123	27	it	it	PRON
ajiss-458	123	28	to	to	ADP
ajiss-458	123	29	the	the	DET
ajiss-458	123	30	entrepreneur	entrepreneur	NOUN
ajiss-458	123	31	,	,	PUNCT
ajiss-458	123	32	who	who	PRON
ajiss-458	123	33	eventually	eventually	ADV
ajiss-458	123	34	opts	opt	VERB
ajiss-458	123	35	to	to	PART
ajiss-458	123	36	buy	buy	VERB
ajiss-458	123	37	it	it	PRON
ajiss-458	123	38	at	at	ADP
ajiss-458	123	39	a	a	DET
ajiss-458	123	40	previously	previously	ADV
ajiss-458	123	41	agreed	agree	VERB
ajiss-458	123	42	-	-	PUNCT
ajiss-458	123	43	upon	upon	ADP
ajiss-458	123	44	price	price	NOUN
ajiss-458	123	45	.	.	PUNCT
ajiss-458	124	1	the	the	DET
ajiss-458	124	2	key	key	ADJ
ajiss-458	124	3	characteristic	characteristic	NOUN
ajiss-458	124	4	of	of	ADP
ajiss-458	124	5	ijarah	ijarah	NOUN
ajiss-458	124	6	is	be	AUX
ajiss-458	124	7	that	that	SCONJ
ajiss-458	124	8	ownership	ownership	NOUN
ajiss-458	124	9	of	of	ADP
ajiss-458	124	10	the	the	DET
ajiss-458	124	11	asset	asset	NOUN
ajiss-458	124	12	remains	remain	VERB
ajiss-458	124	13	with	with	ADP
ajiss-458	124	14	the	the	DET
ajiss-458	124	15	islamic	islamic	PROPN
ajiss-458	124	16	bank	bank	PROPN
ajiss-458	124	17	or	or	CCONJ
ajiss-458	124	18	is	be	AUX
ajiss-458	124	19	gradually	gradually	ADV
ajiss-458	124	20	transferred	transfer	VERB
ajiss-458	124	21	to	to	ADP
ajiss-458	124	22	the	the	DET
ajiss-458	124	23	entrepreneur	entrepreneur	NOUN
ajiss-458	124	24	as	as	SCONJ
ajiss-458	124	25	the	the	DET
ajiss-458	124	26	lease	lease	NOUN
ajiss-458	124	27	payments	payment	NOUN
ajiss-458	124	28	are	be	AUX
ajiss-458	124	29	made	make	VERB
ajiss-458	124	30	.	.	PUNCT
ajiss-458	125	1	the	the	DET
ajiss-458	125	2	islamic	islamic	PROPN
ajiss-458	125	3	bank	bank	PROPN
ajiss-458	125	4	has	have	VERB
ajiss-458	125	5	other	other	ADJ
ajiss-458	125	6	financial	financial	ADJ
ajiss-458	125	7	products	product	NOUN
ajiss-458	125	8	,	,	PUNCT
ajiss-458	125	9	such	such	ADJ
ajiss-458	125	10	as	as	ADP
ajiss-458	125	11	bay	bay	NOUN
ajiss-458	125	12	`	`	PUNCT
ajiss-458	125	13	bi	bi	PROPN
ajiss-458	125	14	al	al	PROPN
ajiss-458	125	15	-	-	PUNCT
ajiss-458	125	16	thaman	thaman	PROPN
ajiss-458	125	17	al	al	PROPN
ajiss-458	125	18	-	-	PROPN
ajiss-458	125	19	ajil	ajil	PROPN
ajiss-458	125	20	(	(	PUNCT
ajiss-458	125	21	deferred	defer	VERB
ajiss-458	125	22	payment	payment	NOUN
ajiss-458	125	23	financing	financing	NOUN
ajiss-458	125	24	)	)	PUNCT
ajiss-458	125	25	and	and	CCONJ
ajiss-458	125	26	istisna	istisna	NOUN
ajiss-458	125	27	`	`	PUNCT
ajiss-458	125	28	(	(	PUNCT
ajiss-458	125	29	progressive	progressive	ADJ
ajiss-458	125	30	payment	payment	NOUN
ajiss-458	125	31	)	)	PUNCT
ajiss-458	125	32	.	.	PUNCT
ajiss-458	126	1	these	these	DET
ajiss-458	126	2	debt	debt	NOUN
ajiss-458	126	3	-	-	PUNCT
ajiss-458	126	4	like	like	ADJ
ajiss-458	126	5	products	product	NOUN
ajiss-458	126	6	fall	fall	VERB
ajiss-458	126	7	into	into	ADP
ajiss-458	126	8	the	the	DET
ajiss-458	126	9	category	category	NOUN
ajiss-458	126	10	of	of	ADP
ajiss-458	126	11	a	a	DET
ajiss-458	126	12	“	"	PUNCT
ajiss-458	126	13	cost	cost	NOUN
ajiss-458	126	14	-	-	PUNCT
ajiss-458	126	15	plus	plus	CCONJ
ajiss-458	126	16	”	"	PUNCT
ajiss-458	126	17	contract	contract	NOUN
ajiss-458	126	18	.	.	PUNCT
ajiss-458	127	1	a	a	DET
ajiss-458	127	2	key	key	ADJ
ajiss-458	127	3	characteristic	characteristic	NOUN
ajiss-458	127	4	of	of	ADP
ajiss-458	127	5	these	these	DET
ajiss-458	127	6	contracts	contract	NOUN
ajiss-458	127	7	is	be	AUX
ajiss-458	127	8	that	that	SCONJ
ajiss-458	127	9	ownership	ownership	NOUN
ajiss-458	127	10	of	of	ADP
ajiss-458	127	11	the	the	DET
ajiss-458	127	12	asset	asset	NOUN
ajiss-458	127	13	unambiguously	unambiguously	ADV
ajiss-458	127	14	remains	remain	VERB
ajiss-458	127	15	with	with	ADP
ajiss-458	127	16	the	the	DET
ajiss-458	127	17	bank	bank	NOUN
ajiss-458	127	18	until	until	SCONJ
ajiss-458	127	19	all	all	PRON
ajiss-458	127	20	of	of	ADP
ajiss-458	127	21	the	the	DET
ajiss-458	127	22	payments	payment	NOUN
ajiss-458	127	23	have	have	AUX
ajiss-458	127	24	been	be	AUX
ajiss-458	127	25	made	make	VERB
ajiss-458	127	26	.	.	PUNCT
ajiss-458	128	1	qard	qard	PROPN
ajiss-458	128	2	al	al	PROPN
ajiss-458	128	3	-	-	PUNCT
ajiss-458	128	4	hassan	hassan	PROPN
ajiss-458	128	5	(	(	PUNCT
ajiss-458	128	6	benevolence	benevolence	NOUN
ajiss-458	128	7	loan	loan	NOUN
ajiss-458	128	8	)	)	PUNCT
ajiss-458	128	9	.	.	PUNCT
ajiss-458	129	1	qard	qard	PROPN
ajiss-458	129	2	al	al	PROPN
ajiss-458	129	3	-	-	PUNCT
ajiss-458	129	4	hassan	hassan	PROPN
ajiss-458	129	5	,	,	PUNCT
ajiss-458	129	6	a	a	DET
ajiss-458	129	7	unique	unique	ADJ
ajiss-458	129	8	product	product	NOUN
ajiss-458	129	9	of	of	ADP
ajiss-458	129	10	the	the	DET
ajiss-458	129	11	islamic	islamic	PROPN
ajiss-458	129	12	bank	bank	PROPN
ajiss-458	129	13	,	,	PUNCT
ajiss-458	129	14	is	be	AUX
ajiss-458	129	15	a	a	DET
ajiss-458	129	16	zero	zero	NUM
ajiss-458	129	17	-	-	PUNCT
ajiss-458	129	18	return	return	NOUN
ajiss-458	129	19	loan	loan	NOUN
ajiss-458	129	20	(	(	PUNCT
ajiss-458	129	21	a	a	DET
ajiss-458	129	22	negative	negative	ADJ
ajiss-458	129	23	investment	investment	NOUN
ajiss-458	129	24	)	)	PUNCT
ajiss-458	129	25	.	.	PUNCT
ajiss-458	130	1	all	all	DET
ajiss-458	130	2	islamic	islamic	ADJ
ajiss-458	130	3	banks	bank	NOUN
ajiss-458	130	4	are	be	AUX
ajiss-458	130	5	urged	urge	VERB
ajiss-458	130	6	or	or	CCONJ
ajiss-458	130	7	required	require	VERB
ajiss-458	130	8	to	to	PART
ajiss-458	130	9	make	make	VERB
ajiss-458	130	10	these	these	DET
ajiss-458	130	11	benevolence	benevolence	NOUN
ajiss-458	130	12	loans	loan	NOUN
ajiss-458	130	13	to	to	ADP
ajiss-458	130	14	needy	needy	ADJ
ajiss-458	130	15	and	and	CCONJ
ajiss-458	130	16	poor	poor	ADJ
ajiss-458	130	17	people	people	NOUN
ajiss-458	130	18	.	.	PUNCT
ajiss-458	131	1	there	there	PRON
ajiss-458	131	2	is	be	VERB
ajiss-458	131	3	no	no	DET
ajiss-458	131	4	financial	financial	ADJ
ajiss-458	131	5	return	return	NOUN
ajiss-458	131	6	on	on	ADP
ajiss-458	131	7	this	this	DET
ajiss-458	131	8	loan	loan	NOUN
ajiss-458	131	9	,	,	PUNCT
ajiss-458	131	10	for	for	SCONJ
ajiss-458	131	11	the	the	DET
ajiss-458	131	12	borrower	borrower	NOUN
ajiss-458	131	13	is	be	AUX
ajiss-458	131	14	obligated	obligate	VERB
ajiss-458	131	15	to	to	PART
ajiss-458	131	16	repay	repay	VERB
ajiss-458	131	17	only	only	ADV
ajiss-458	131	18	the	the	DET
ajiss-458	131	19	principal	principal	NOUN
ajiss-458	131	20	.	.	PUNCT
ajiss-458	132	1	we	we	PRON
ajiss-458	132	2	will	will	AUX
ajiss-458	132	3	now	now	ADV
ajiss-458	132	4	discuss	discuss	VERB
ajiss-458	132	5	the	the	DET
ajiss-458	132	6	relative	relative	ADJ
ajiss-458	132	7	importance	importance	NOUN
ajiss-458	132	8	of	of	ADP
ajiss-458	132	9	these	these	DET
ajiss-458	132	10	instruments	instrument	NOUN
ajiss-458	132	11	in	in	ADP
ajiss-458	132	12	practice	practice	NOUN
ajiss-458	132	13	by	by	ADP
ajiss-458	132	14	examining	examine	VERB
ajiss-458	132	15	the	the	DET
ajiss-458	132	16	financing	financing	NOUN
ajiss-458	132	17	records	record	NOUN
ajiss-458	132	18	of	of	ADP
ajiss-458	132	19	two	two	NUM
ajiss-458	132	20	islamic	islamic	ADJ
ajiss-458	132	21	banks	bank	NOUN
ajiss-458	132	22	:	:	PUNCT
ajiss-458	132	23	one	one	NUM
ajiss-458	132	24	in	in	ADP
ajiss-458	132	25	bahrain	bahrain	NOUN
ajiss-458	132	26	and	and	CCONJ
ajiss-458	132	27	the	the	DET
ajiss-458	132	28	other	other	ADJ
ajiss-458	132	29	in	in	ADP
ajiss-458	132	30	malaysia	malaysia	PROPN
ajiss-458	132	31	.	.	PUNCT
ajiss-458	133	1	we	we	PRON
ajiss-458	133	2	examine	examine	VERB
ajiss-458	133	3	how	how	SCONJ
ajiss-458	133	4	they	they	PRON
ajiss-458	133	5	use	use	VERB
ajiss-458	133	6	the	the	DET
ajiss-458	133	7	funds	fund	NOUN
ajiss-458	133	8	as	as	SCONJ
ajiss-458	133	9	they	they	PRON
ajiss-458	133	10	provide	provide	VERB
ajiss-458	133	11	financing	financing	NOUN
ajiss-458	133	12	to	to	ADP
ajiss-458	133	13	their	their	PRON
ajiss-458	133	14	customers	customer	NOUN
ajiss-458	133	15	.	.	PUNCT
ajiss-458	134	1	data	datum	NOUN
ajiss-458	134	2	and	and	CCONJ
ajiss-458	134	3	methodology	methodology	NOUN
ajiss-458	134	4	we	we	PRON
ajiss-458	134	5	have	have	AUX
ajiss-458	134	6	selected	select	VERB
ajiss-458	134	7	two	two	NUM
ajiss-458	134	8	islamic	islamic	ADJ
ajiss-458	134	9	banks	bank	NOUN
ajiss-458	134	10	for	for	ADP
ajiss-458	134	11	study	study	NOUN
ajiss-458	134	12	:	:	PUNCT
ajiss-458	134	13	the	the	DET
ajiss-458	134	14	islamic	islamic	PROPN
ajiss-458	134	15	bank	bank	PROPN
ajiss-458	134	16	of	of	ADP
ajiss-458	134	17	bahrain	bahrain	PROPN
ajiss-458	134	18	and	and	CCONJ
ajiss-458	134	19	the	the	DET
ajiss-458	134	20	bank	bank	NOUN
ajiss-458	134	21	islam	islam	PROPN
ajiss-458	134	22	malaysia	malaysia	PROPN
ajiss-458	134	23	(	(	PUNCT
ajiss-458	134	24	berhad	berhad	PROPN
ajiss-458	134	25	)	)	PUNCT
ajiss-458	134	26	.	.	PUNCT
ajiss-458	135	1	these	these	DET
ajiss-458	135	2	two	two	NUM
ajiss-458	135	3	banks	bank	NOUN
ajiss-458	135	4	were	be	AUX
ajiss-458	135	5	selected	select	VERB
ajiss-458	135	6	for	for	ADP
ajiss-458	135	7	several	several	ADJ
ajiss-458	135	8	reasons	reason	NOUN
ajiss-458	135	9	:	:	PUNCT
ajiss-458	135	10	•	•	ADP
ajiss-458	135	11	both	both	CCONJ
ajiss-458	135	12	bahrain	bahrain	NOUN
ajiss-458	135	13	and	and	CCONJ
ajiss-458	135	14	malaysia	malaysia	PROPN
ajiss-458	135	15	provide	provide	VERB
ajiss-458	135	16	relatively	relatively	ADV
ajiss-458	135	17	open	open	ADJ
ajiss-458	135	18	access	access	NOUN
ajiss-458	135	19	to	to	ADP
ajiss-458	135	20	bank	bank	NOUN
ajiss-458	135	21	information	information	NOUN
ajiss-458	135	22	.	.	PUNCT
ajiss-458	136	1	•	•	NUM
ajiss-458	136	2	both	both	DET
ajiss-458	136	3	banks	bank	NOUN
ajiss-458	136	4	operate	operate	VERB
ajiss-458	136	5	in	in	ADP
ajiss-458	136	6	well	well	ADV
ajiss-458	136	7	-	-	PUNCT
ajiss-458	136	8	developed	develop	VERB
ajiss-458	136	9	financial	financial	ADJ
ajiss-458	136	10	markets	market	NOUN
ajiss-458	136	11	and	and	CCONJ
ajiss-458	136	12	compete	compete	VERB
ajiss-458	136	13	with	with	ADP
ajiss-458	136	14	conventional	conventional	ADJ
ajiss-458	136	15	financial	financial	ADJ
ajiss-458	136	16	centers	center	NOUN
ajiss-458	136	17	and	and	CCONJ
ajiss-458	136	18	offshore	offshore	ADJ
ajiss-458	136	19	banks.30	banks.30	NOUN
ajiss-458	136	20	•	•	NOUN
ajiss-458	137	1	both	both	DET
ajiss-458	137	2	banks	bank	NOUN
ajiss-458	137	3	operate	operate	VERB
ajiss-458	137	4	according	accord	VERB
ajiss-458	137	5	to	to	ADP
ajiss-458	137	6	the	the	DET
ajiss-458	137	7	shari`ah	shari`ah	PROPN
ajiss-458	137	8	and	and	CCONJ
ajiss-458	137	9	compete	compete	VERB
ajiss-458	137	10	with	with	ADP
ajiss-458	137	11	conventional	conventional	ADJ
ajiss-458	137	12	banks	bank	NOUN
ajiss-458	137	13	,	,	PUNCT
ajiss-458	137	14	some	some	PRON
ajiss-458	137	15	of	of	ADP
ajiss-458	137	16	which	which	PRON
ajiss-458	137	17	also	also	ADV
ajiss-458	137	18	offer	offer	VERB
ajiss-458	137	19	islamic	islamic	ADJ
ajiss-458	137	20	financial	financial	ADJ
ajiss-458	137	21	instruments	instrument	NOUN
ajiss-458	137	22	to	to	ADP
ajiss-458	137	23	their	their	PRON
ajiss-458	137	24	customers	customer	NOUN
ajiss-458	137	25	but	but	CCONJ
ajiss-458	137	26	are	be	AUX
ajiss-458	137	27	not	not	PART
ajiss-458	137	28	bound	bind	VERB
ajiss-458	137	29	by	by	ADP
ajiss-458	137	30	the	the	DET
ajiss-458	137	31	shari`ah	shari`ah	PROPN
ajiss-458	137	32	.	.	PROPN
ajiss-458	137	33	•	•	NUM
ajiss-458	137	34	while	while	SCONJ
ajiss-458	137	35	the	the	DET
ajiss-458	137	36	relative	relative	ADJ
ajiss-458	137	37	importance	importance	NOUN
ajiss-458	137	38	of	of	ADP
ajiss-458	137	39	the	the	DET
ajiss-458	137	40	various	various	ADJ
ajiss-458	137	41	islamic	islamic	ADJ
ajiss-458	137	42	financial	financial	ADJ
ajiss-458	137	43	products	product	NOUN
ajiss-458	137	44	may	may	AUX
ajiss-458	137	45	well	well	ADV
ajiss-458	137	46	differ	differ	VERB
ajiss-458	137	47	in	in	ADP
ajiss-458	137	48	banks	bank	NOUN
ajiss-458	137	49	operating	operate	VERB
ajiss-458	137	50	in	in	ADP
ajiss-458	137	51	iran	iran	PROPN
ajiss-458	137	52	and	and	CCONJ
ajiss-458	137	53	sudan	sudan	PROPN
ajiss-458	137	54	,	,	PUNCT
ajiss-458	137	55	where	where	SCONJ
ajiss-458	137	56	all	all	DET
ajiss-458	137	57	busi76	busi76	VERB
ajiss-458	137	58	the	the	DET
ajiss-458	137	59	american	american	PROPN
ajiss-458	137	60	journal	journal	PROPN
ajiss-458	137	61	of	of	ADP
ajiss-458	137	62	islamic	islamic	ADJ
ajiss-458	137	63	social	social	PROPN
ajiss-458	137	64	sciences	sciences	PROPN
ajiss-458	137	65	22:2	22:2	PROPN
ajiss-458	137	66	samad	samad	PROPN
ajiss-458	137	67	,	,	PUNCT
ajiss-458	137	68	gardner	gardner	NOUN
ajiss-458	137	69	,	,	PUNCT
ajiss-458	137	70	and	and	CCONJ
ajiss-458	137	71	cook	cook	VERB
ajiss-458	137	72	:	:	PUNCT
ajiss-458	137	73	islamic	islamic	ADJ
ajiss-458	137	74	banking	banking	NOUN
ajiss-458	137	75	and	and	CCONJ
ajiss-458	137	76	finance	finance	NOUN
ajiss-458	137	77	77	77	NUM
ajiss-458	137	78	nesses	ness	NOUN
ajiss-458	137	79	and	and	CCONJ
ajiss-458	137	80	banks	bank	NOUN
ajiss-458	137	81	must	must	AUX
ajiss-458	137	82	comply	comply	VERB
ajiss-458	137	83	with	with	ADP
ajiss-458	137	84	the	the	DET
ajiss-458	137	85	shari`ah	shari`ah	PROPN
ajiss-458	137	86	,	,	PUNCT
ajiss-458	137	87	the	the	DET
ajiss-458	137	88	two	two	NUM
ajiss-458	137	89	islamic	islamic	ADJ
ajiss-458	137	90	banks	bank	NOUN
ajiss-458	137	91	examined	examine	VERB
ajiss-458	137	92	here	here	ADV
ajiss-458	137	93	are	be	AUX
ajiss-458	137	94	considered	consider	VERB
ajiss-458	137	95	more	more	ADJ
ajiss-458	137	96	representative	representative	NOUN
ajiss-458	137	97	of	of	ADP
ajiss-458	137	98	banks	bank	NOUN
ajiss-458	137	99	that	that	PRON
ajiss-458	137	100	are	be	AUX
ajiss-458	137	101	competing	compete	VERB
ajiss-458	137	102	with	with	ADP
ajiss-458	137	103	conventional	conventional	ADJ
ajiss-458	137	104	banks	bank	NOUN
ajiss-458	137	105	throughout	throughout	ADP
ajiss-458	137	106	the	the	DET
ajiss-458	137	107	rest	rest	NOUN
ajiss-458	137	108	of	of	ADP
ajiss-458	137	109	the	the	DET
ajiss-458	137	110	muslim	muslim	ADJ
ajiss-458	137	111	world	world	NOUN
ajiss-458	137	112	.	.	PUNCT
ajiss-458	138	1	the	the	DET
ajiss-458	138	2	data	datum	NOUN
ajiss-458	138	3	for	for	ADP
ajiss-458	138	4	the	the	DET
ajiss-458	138	5	islamic	islamic	PROPN
ajiss-458	138	6	bank	bank	PROPN
ajiss-458	138	7	of	of	ADP
ajiss-458	138	8	bahrain	bahrain	PROPN
ajiss-458	138	9	and	and	CCONJ
ajiss-458	138	10	the	the	DET
ajiss-458	138	11	bank	bank	NOUN
ajiss-458	138	12	islam	islam	PROPN
ajiss-458	138	13	malaysia	malaysia	PROPN
ajiss-458	138	14	(	(	PUNCT
ajiss-458	138	15	berhad	berhad	PROPN
ajiss-458	138	16	)	)	PUNCT
ajiss-458	138	17	were	be	AUX
ajiss-458	138	18	obtained	obtain	VERB
ajiss-458	138	19	from	from	ADP
ajiss-458	138	20	their	their	PRON
ajiss-458	138	21	2002	2002	NUM
ajiss-458	138	22	annual	annual	ADJ
ajiss-458	138	23	reports	report	NOUN
ajiss-458	138	24	.	.	PUNCT
ajiss-458	139	1	we	we	PRON
ajiss-458	139	2	have	have	AUX
ajiss-458	139	3	simply	simply	ADV
ajiss-458	139	4	calculated	calculate	VERB
ajiss-458	139	5	the	the	DET
ajiss-458	139	6	relative	relative	ADJ
ajiss-458	139	7	percentages	percentage	NOUN
ajiss-458	139	8	of	of	ADP
ajiss-458	139	9	the	the	DET
ajiss-458	139	10	various	various	ADJ
ajiss-458	139	11	modes	mode	NOUN
ajiss-458	139	12	of	of	ADP
ajiss-458	139	13	financing	financing	NOUN
ajiss-458	139	14	used	use	VERB
ajiss-458	139	15	by	by	ADP
ajiss-458	139	16	them	they	PRON
ajiss-458	139	17	.	.	PUNCT
ajiss-458	140	1	the	the	DET
ajiss-458	140	2	uses	use	NOUN
ajiss-458	140	3	of	of	ADP
ajiss-458	140	4	funds	fund	NOUN
ajiss-458	140	5	the	the	DET
ajiss-458	140	6	asset	asset	NOUN
ajiss-458	140	7	side	side	NOUN
ajiss-458	140	8	of	of	ADP
ajiss-458	140	9	the	the	DET
ajiss-458	140	10	balance	balance	NOUN
ajiss-458	140	11	sheets	sheet	NOUN
ajiss-458	140	12	of	of	ADP
ajiss-458	140	13	the	the	DET
ajiss-458	140	14	bank	bank	NOUN
ajiss-458	140	15	islam	islam	PROPN
ajiss-458	140	16	malaysia	malaysia	PROPN
ajiss-458	140	17	(	(	PUNCT
ajiss-458	140	18	berhad	berhad	PROPN
ajiss-458	140	19	)	)	PUNCT
ajiss-458	140	20	and	and	CCONJ
ajiss-458	140	21	the	the	DET
ajiss-458	140	22	bahrain	bahrain	PROPN
ajiss-458	140	23	islamic	islamic	PROPN
ajiss-458	140	24	bank	bank	PROPN
ajiss-458	140	25	,	,	PUNCT
ajiss-458	140	26	as	as	SCONJ
ajiss-458	140	27	presented	present	VERB
ajiss-458	140	28	in	in	ADP
ajiss-458	140	29	table	table	NOUN
ajiss-458	140	30	1	1	NUM
ajiss-458	140	31	,	,	PUNCT
ajiss-458	140	32	demonstrates	demonstrate	VERB
ajiss-458	140	33	the	the	DET
ajiss-458	140	34	importance	importance	NOUN
ajiss-458	140	35	of	of	ADP
ajiss-458	140	36	the	the	DET
ajiss-458	140	37	various	various	ADJ
ajiss-458	140	38	islamic	islamic	ADJ
ajiss-458	140	39	financing	financing	NOUN
ajiss-458	140	40	modes	mode	NOUN
ajiss-458	140	41	.	.	PUNCT
ajiss-458	141	1	as	as	SCONJ
ajiss-458	141	2	we	we	PRON
ajiss-458	141	3	can	can	AUX
ajiss-458	141	4	see	see	VERB
ajiss-458	141	5	,	,	PUNCT
ajiss-458	141	6	total	total	ADJ
ajiss-458	141	7	islamic	islamic	ADJ
ajiss-458	141	8	financing	financing	NOUN
ajiss-458	141	9	and	and	CCONJ
ajiss-458	141	10	advances	advance	NOUN
ajiss-458	141	11	by	by	ADP
ajiss-458	141	12	the	the	DET
ajiss-458	141	13	bank	bank	NOUN
ajiss-458	141	14	islam	islam	PROPN
ajiss-458	141	15	malaysia	malaysia	PROPN
ajiss-458	141	16	(	(	PUNCT
ajiss-458	141	17	berhad	berhad	PROPN
ajiss-458	141	18	)	)	PUNCT
ajiss-458	141	19	is	be	AUX
ajiss-458	141	20	only	only	ADV
ajiss-458	141	21	50.65	50.65	NUM
ajiss-458	141	22	%	%	NOUN
ajiss-458	141	23	of	of	ADP
ajiss-458	141	24	the	the	DET
ajiss-458	141	25	total	total	ADJ
ajiss-458	141	26	assets	asset	NOUN
ajiss-458	141	27	.	.	PUNCT
ajiss-458	142	1	on	on	ADP
ajiss-458	142	2	the	the	DET
ajiss-458	142	3	other	other	ADJ
ajiss-458	142	4	hand	hand	NOUN
ajiss-458	142	5	,	,	PUNCT
ajiss-458	142	6	the	the	DET
ajiss-458	142	7	total	total	ADJ
ajiss-458	142	8	islamic	islamic	ADJ
ajiss-458	142	9	financing	financing	NOUN
ajiss-458	142	10	by	by	ADP
ajiss-458	142	11	the	the	DET
ajiss-458	142	12	bahrain	bahrain	PROPN
ajiss-458	142	13	islamic	islamic	PROPN
ajiss-458	142	14	bank	bank	PROPN
ajiss-458	142	15	is	be	AUX
ajiss-458	142	16	78.57	78.57	NUM
ajiss-458	142	17	%	%	NOUN
ajiss-458	142	18	.	.	PUNCT
ajiss-458	143	1	on	on	ADP
ajiss-458	143	2	average	average	ADJ
ajiss-458	143	3	,	,	PUNCT
ajiss-458	143	4	the	the	DET
ajiss-458	143	5	total	total	ADJ
ajiss-458	143	6	islamic	islamic	ADJ
ajiss-458	143	7	financing	financing	NOUN
ajiss-458	143	8	for	for	ADP
ajiss-458	143	9	the	the	DET
ajiss-458	143	10	two	two	NUM
ajiss-458	143	11	islamic	islamic	ADJ
ajiss-458	143	12	banks	bank	NOUN
ajiss-458	143	13	was	be	AUX
ajiss-458	143	14	64.61	64.61	NUM
ajiss-458	143	15	%	%	NOUN
ajiss-458	143	16	of	of	ADP
ajiss-458	143	17	assets	asset	NOUN
ajiss-458	143	18	.	.	PUNCT
ajiss-458	144	1	table	table	NOUN
ajiss-458	144	2	1	1	NUM
ajiss-458	144	3	.	.	PUNCT
ajiss-458	145	1	allocation	allocation	NOUN
ajiss-458	145	2	of	of	ADP
ajiss-458	145	3	funds	fund	NOUN
ajiss-458	145	4	under	under	ADP
ajiss-458	145	5	finance	finance	NOUN
ajiss-458	145	6	and	and	CCONJ
ajiss-458	145	7	advances	advance	NOUN
ajiss-458	145	8	.	.	PUNCT
ajiss-458	146	1	earlier	early	ADV
ajiss-458	146	2	in	in	ADP
ajiss-458	146	3	this	this	DET
ajiss-458	146	4	paper	paper	NOUN
ajiss-458	146	5	,	,	PUNCT
ajiss-458	146	6	we	we	PRON
ajiss-458	146	7	established	establish	VERB
ajiss-458	146	8	that	that	DET
ajiss-458	146	9	mudarabah	mudarabah	NOUN
ajiss-458	146	10	(	(	PUNCT
ajiss-458	146	11	trust	trust	NOUN
ajiss-458	146	12	financing	financing	NOUN
ajiss-458	146	13	)	)	PUNCT
ajiss-458	146	14	and	and	CCONJ
ajiss-458	146	15	musharakah	musharakah	PROPN
ajiss-458	146	16	(	(	PUNCT
ajiss-458	146	17	equity	equity	NOUN
ajiss-458	146	18	financing	financing	NOUN
ajiss-458	146	19	)	)	PUNCT
ajiss-458	146	20	are	be	AUX
ajiss-458	146	21	the	the	DET
ajiss-458	146	22	pillars	pillar	NOUN
ajiss-458	146	23	or	or	CCONJ
ajiss-458	146	24	foundations	foundation	NOUN
ajiss-458	146	25	of	of	ADP
ajiss-458	146	26	the	the	DET
ajiss-458	146	27	islamic	islamic	ADJ
ajiss-458	146	28	banking	banking	NOUN
ajiss-458	146	29	system	system	NOUN
ajiss-458	146	30	.	.	PUNCT
ajiss-458	147	1	when	when	SCONJ
ajiss-458	147	2	the	the	DET
ajiss-458	147	3	breakdown	breakdown	NOUN
ajiss-458	147	4	of	of	ADP
ajiss-458	147	5	the	the	DET
ajiss-458	147	6	total	total	ADJ
ajiss-458	147	7	allocation	allocation	NOUN
ajiss-458	147	8	presented	present	VERB
ajiss-458	147	9	in	in	ADP
ajiss-458	147	10	table	table	NOUN
ajiss-458	147	11	1	1	NUM
ajiss-458	147	12	is	be	AUX
ajiss-458	147	13	examined	examine	VERB
ajiss-458	147	14	,	,	PUNCT
ajiss-458	147	15	it	it	PRON
ajiss-458	147	16	appears	appear	VERB
ajiss-458	147	17	that	that	SCONJ
ajiss-458	147	18	both	both	PRON
ajiss-458	147	19	of	of	ADP
ajiss-458	147	20	them	they	PRON
ajiss-458	147	21	play	play	VERB
ajiss-458	147	22	virtually	virtually	ADV
ajiss-458	147	23	no	no	DET
ajiss-458	147	24	role	role	NOUN
ajiss-458	147	25	in	in	ADP
ajiss-458	147	26	these	these	DET
ajiss-458	147	27	two	two	NUM
ajiss-458	147	28	islamic	islamic	ADJ
ajiss-458	147	29	banks	bank	NOUN
ajiss-458	147	30	,	,	PUNCT
ajiss-458	147	31	as	as	SCONJ
ajiss-458	147	32	compared	compare	VERB
ajiss-458	147	33	to	to	ADP
ajiss-458	147	34	other	other	ADJ
ajiss-458	147	35	modes	mode	NOUN
ajiss-458	147	36	of	of	ADP
ajiss-458	147	37	financing	financing	NOUN
ajiss-458	147	38	.	.	PUNCT
ajiss-458	148	1	for	for	ADP
ajiss-458	148	2	the	the	DET
ajiss-458	148	3	bank	bank	NOUN
ajiss-458	148	4	islam	islam	PROPN
ajiss-458	148	5	malaysia	malaysia	PROPN
ajiss-458	148	6	(	(	PUNCT
ajiss-458	148	7	berhad	berhad	PROPN
ajiss-458	148	8	)	)	PUNCT
ajiss-458	148	9	,	,	PUNCT
ajiss-458	148	10	mudarabah	mudarabah	NOUN
ajiss-458	148	11	accounts	account	VERB
ajiss-458	148	12	for	for	ADP
ajiss-458	148	13	only	only	ADV
ajiss-458	148	14	.66	.66	NUM
ajiss-458	148	15	%	%	NOUN
ajiss-458	148	16	of	of	ADP
ajiss-458	148	17	total	total	ADJ
ajiss-458	148	18	financing	financing	NOUN
ajiss-458	148	19	;	;	PUNCT
ajiss-458	148	20	for	for	ADP
ajiss-458	148	21	the	the	DET
ajiss-458	148	22	bahrain	bahrain	PROPN
ajiss-458	148	23	islamic	islamic	PROPN
ajiss-458	148	24	bank	bank	PROPN
ajiss-458	148	25	,	,	PUNCT
ajiss-458	148	26	it	it	PRON
ajiss-458	148	27	constitutes	constitute	VERB
ajiss-458	148	28	9.33	9.33	NUM
ajiss-458	148	29	%	%	NOUN
ajiss-458	148	30	of	of	ADP
ajiss-458	148	31	total	total	ADJ
ajiss-458	148	32	financing	financing	NOUN
ajiss-458	148	33	.	.	PUNCT
ajiss-458	149	1	on	on	ADP
ajiss-458	149	2	average	average	ADJ
ajiss-458	149	3	,	,	PUNCT
ajiss-458	149	4	mudarabah	mudarabah	NOUN
ajiss-458	149	5	in	in	ADP
ajiss-458	149	6	these	these	DET
ajiss-458	149	7	two	two	NUM
ajiss-458	149	8	islamic	islamic	ADJ
ajiss-458	149	9	banks	bank	NOUN
ajiss-458	149	10	is	be	AUX
ajiss-458	149	11	only	only	ADV
ajiss-458	149	12	5	5	NUM
ajiss-458	149	13	%	%	NOUN
ajiss-458	149	14	.	.	PUNCT
ajiss-458	150	1	the	the	DET
ajiss-458	150	2	other	other	ADJ
ajiss-458	150	3	distinguishing	distinguish	VERB
ajiss-458	150	4	islamic	islamic	ADJ
ajiss-458	150	5	financing	financing	NOUN
ajiss-458	150	6	instrument	instrument	NOUN
ajiss-458	150	7	is	be	AUX
ajiss-458	150	8	the	the	DET
ajiss-458	150	9	musharakah	musharakah	ADJ
ajiss-458	150	10	contract	contract	NOUN
ajiss-458	150	11	.	.	PUNCT
ajiss-458	151	1	in	in	ADP
ajiss-458	151	2	these	these	DET
ajiss-458	151	3	two	two	NUM
ajiss-458	151	4	islamic	islamic	ADJ
ajiss-458	151	5	banks	bank	NOUN
ajiss-458	151	6	,	,	PUNCT
ajiss-458	151	7	as	as	ADP
ajiss-458	151	8	the	the	DET
ajiss-458	151	9	data	data	NOUN
ajiss-458	151	10	show	show	NOUN
ajiss-458	151	11	,	,	PUNCT
ajiss-458	151	12	this	this	DET
ajiss-458	151	13	financing	financing	NOUN
ajiss-458	151	14	mode	mode	NOUN
ajiss-458	151	15	is	be	AUX
ajiss-458	151	16	also	also	ADV
ajiss-458	151	17	insignificant	insignificant	ADJ
ajiss-458	151	18	:	:	PUNCT
ajiss-458	151	19	it	it	PRON
ajiss-458	151	20	is	be	AUX
ajiss-458	151	21	3.53	3.53	NUM
ajiss-458	151	22	%	%	NOUN
ajiss-458	151	23	(	(	PUNCT
ajiss-458	151	24	malaysia	malaysia	PROPN
ajiss-458	151	25	)	)	PUNCT
ajiss-458	151	26	and	and	CCONJ
ajiss-458	151	27	2.16	2.16	NUM
ajiss-458	151	28	%	%	NOUN
ajiss-458	151	29	(	(	PUNCT
ajiss-458	151	30	bahrain	bahrain	NOUN
ajiss-458	151	31	)	)	PUNCT
ajiss-458	151	32	,	,	PUNCT
ajiss-458	151	33	respectively	respectively	ADV
ajiss-458	151	34	.	.	PUNCT
ajiss-458	152	1	on	on	ADP
ajiss-458	152	2	average	average	ADJ
ajiss-458	152	3	,	,	PUNCT
ajiss-458	152	4	it	it	PRON
ajiss-458	152	5	constitutes	constitute	VERB
ajiss-458	152	6	only	only	ADV
ajiss-458	152	7	2.85	2.85	NUM
ajiss-458	152	8	%	%	NOUN
ajiss-458	152	9	of	of	ADP
ajiss-458	152	10	total	total	ADJ
ajiss-458	152	11	islamic	islamic	ADJ
ajiss-458	152	12	financing	financing	NOUN
ajiss-458	152	13	.	.	PUNCT
ajiss-458	153	1	even	even	ADV
ajiss-458	153	2	though	though	SCONJ
ajiss-458	153	3	musharakah	musharakah	PROPN
ajiss-458	153	4	appears	appear	VERB
ajiss-458	153	5	to	to	PART
ajiss-458	153	6	be	be	AUX
ajiss-458	153	7	very	very	ADV
ajiss-458	153	8	significant	significant	ADJ
ajiss-458	153	9	in	in	ADP
ajiss-458	153	10	principle	principle	NOUN
ajiss-458	153	11	,	,	PUNCT
ajiss-458	153	12	in	in	ADP
ajiss-458	153	13	practice	practice	NOUN
ajiss-458	153	14	it	it	PRON
ajiss-458	153	15	constitutes	constitute	VERB
ajiss-458	153	16	an	an	DET
ajiss-458	153	17	insignificant	insignificant	ADJ
ajiss-458	153	18	proportion	proportion	NOUN
ajiss-458	153	19	of	of	ADP
ajiss-458	153	20	islamic	islamic	ADJ
ajiss-458	153	21	financing	financing	NOUN
ajiss-458	153	22	in	in	ADP
ajiss-458	153	23	these	these	DET
ajiss-458	153	24	two	two	NUM
ajiss-458	153	25	banks	bank	NOUN
ajiss-458	153	26	.	.	PUNCT
ajiss-458	154	1	adding	add	VERB
ajiss-458	154	2	together	together	ADP
ajiss-458	154	3	the	the	DET
ajiss-458	154	4	two	two	NUM
ajiss-458	154	5	bank	bank	NOUN
ajiss-458	154	6	’s	’s	PART
ajiss-458	154	7	average	average	ADJ
ajiss-458	154	8	mudarabah	mudarabah	NOUN
ajiss-458	154	9	and	and	CCONJ
ajiss-458	154	10	musharakah	musharakah	PROPN
ajiss-458	154	11	financing	financing	NOUN
ajiss-458	154	12	,	,	PUNCT
ajiss-458	154	13	the	the	DET
ajiss-458	154	14	total	total	NOUN
ajiss-458	154	15	is	be	AUX
ajiss-458	154	16	only	only	ADV
ajiss-458	154	17	3.92	3.92	NUM
ajiss-458	154	18	%	%	NOUN
ajiss-458	154	19	of	of	ADP
ajiss-458	154	20	total	total	ADJ
ajiss-458	154	21	financing	financing	NOUN
ajiss-458	154	22	.	.	PUNCT
ajiss-458	155	1	thus	thus	ADV
ajiss-458	155	2	,	,	PUNCT
ajiss-458	155	3	the	the	DET
ajiss-458	155	4	two	two	NUM
ajiss-458	155	5	most	most	ADV
ajiss-458	155	6	notable	notable	ADJ
ajiss-458	155	7	islamic	islamic	ADJ
ajiss-458	155	8	products	product	NOUN
ajiss-458	155	9	are	be	AUX
ajiss-458	155	10	seen	see	VERB
ajiss-458	155	11	,	,	PUNCT
ajiss-458	155	12	in	in	ADP
ajiss-458	155	13	practice	practice	NOUN
ajiss-458	155	14	,	,	PUNCT
ajiss-458	155	15	to	to	PART
ajiss-458	155	16	constitute	constitute	VERB
ajiss-458	155	17	less	less	ADJ
ajiss-458	155	18	than	than	ADP
ajiss-458	155	19	4	4	NUM
ajiss-458	155	20	%	%	NOUN
ajiss-458	155	21	of	of	ADP
ajiss-458	155	22	their	their	PRON
ajiss-458	155	23	total	total	ADJ
ajiss-458	155	24	islamic	islamic	ADJ
ajiss-458	155	25	financing	financing	NOUN
ajiss-458	155	26	instruments	instrument	NOUN
ajiss-458	155	27	.	.	PUNCT
ajiss-458	156	1	with	with	ADP
ajiss-458	156	2	regards	regard	NOUN
ajiss-458	156	3	to	to	ADP
ajiss-458	156	4	murabahah	murabahah	NOUN
ajiss-458	156	5	(	(	PUNCT
ajiss-458	156	6	debt	debt	NOUN
ajiss-458	156	7	-	-	PUNCT
ajiss-458	156	8	like	like	ADJ
ajiss-458	156	9	financing	financing	NOUN
ajiss-458	156	10	contracts	contract	NOUN
ajiss-458	156	11	)	)	PUNCT
ajiss-458	156	12	,	,	PUNCT
ajiss-458	156	13	the	the	DET
ajiss-458	156	14	data	datum	NOUN
ajiss-458	156	15	in	in	ADP
ajiss-458	156	16	table	table	NOUN
ajiss-458	156	17	1	1	NUM
ajiss-458	156	18	show	show	VERB
ajiss-458	156	19	that	that	SCONJ
ajiss-458	156	20	such	such	ADJ
ajiss-458	156	21	financing	financing	NOUN
ajiss-458	156	22	in	in	ADP
ajiss-458	156	23	malaysia	malaysia	PROPN
ajiss-458	156	24	and	and	CCONJ
ajiss-458	156	25	bahrain	bahrain	NOUN
ajiss-458	156	26	is	be	AUX
ajiss-458	156	27	24.16	24.16	NUM
ajiss-458	156	28	%	%	NOUN
ajiss-458	156	29	and	and	CCONJ
ajiss-458	156	30	84.16	84.16	NUM
ajiss-458	156	31	%	%	NOUN
ajiss-458	156	32	,	,	PUNCT
ajiss-458	156	33	respectively	respectively	ADV
ajiss-458	156	34	.	.	PUNCT
ajiss-458	157	1	on	on	ADP
ajiss-458	157	2	average	average	ADJ
ajiss-458	157	3	,	,	PUNCT
ajiss-458	157	4	murabahah	murabahah	NOUN
ajiss-458	157	5	financing	financing	NOUN
ajiss-458	157	6	is	be	AUX
ajiss-458	157	7	54.41	54.41	NUM
ajiss-458	157	8	%	%	NOUN
ajiss-458	157	9	of	of	ADP
ajiss-458	157	10	total	total	ADJ
ajiss-458	157	11	finance	finance	NOUN
ajiss-458	157	12	and	and	CCONJ
ajiss-458	157	13	advances	advance	NOUN
ajiss-458	157	14	.	.	PUNCT
ajiss-458	158	1	it	it	PRON
ajiss-458	158	2	should	should	AUX
ajiss-458	158	3	be	be	AUX
ajiss-458	158	4	noted	note	VERB
ajiss-458	158	5	that	that	SCONJ
ajiss-458	158	6	if	if	SCONJ
ajiss-458	158	7	the	the	DET
ajiss-458	158	8	figures	figure	NOUN
ajiss-458	158	9	for	for	ADP
ajiss-458	158	10	murabahah	murabahah	NOUN
ajiss-458	158	11	and	and	CCONJ
ajiss-458	158	12	bay	bay	PROPN
ajiss-458	158	13	`	`	PUNCT
ajiss-458	158	14	bi	bi	PROPN
ajiss-458	158	15	al	al	PROPN
ajiss-458	158	16	-	-	PUNCT
ajiss-458	158	17	thaman	thaman	PROPN
ajiss-458	158	18	al	al	PROPN
ajiss-458	158	19	-	-	PUNCT
ajiss-458	158	20	ajil	ajil	PROPN
ajiss-458	158	21	are	be	AUX
ajiss-458	158	22	added	add	VERB
ajiss-458	158	23	together	together	ADV
ajiss-458	158	24	for	for	ADP
ajiss-458	158	25	the	the	DET
ajiss-458	158	26	bank	bank	NOUN
ajiss-458	158	27	islam	islam	PROPN
ajiss-458	158	28	malaysia	malaysia	PROPN
ajiss-458	158	29	(	(	PUNCT
ajiss-458	158	30	berhad	berhad	PROPN
ajiss-458	158	31	)	)	PUNCT
ajiss-458	158	32	,	,	PUNCT
ajiss-458	158	33	the	the	DET
ajiss-458	158	34	percent	percent	NOUN
ajiss-458	158	35	of	of	ADP
ajiss-458	158	36	total	total	ADJ
ajiss-458	158	37	financing	financing	NOUN
ajiss-458	158	38	is	be	AUX
ajiss-458	158	39	81.2	81.2	NUM
ajiss-458	158	40	%	%	NOUN
ajiss-458	158	41	.	.	PUNCT
ajiss-458	159	1	this	this	DET
ajiss-458	159	2	percentage	percentage	NOUN
ajiss-458	159	3	compares	compare	VERB
ajiss-458	159	4	favorably	favorably	ADV
ajiss-458	159	5	with	with	ADP
ajiss-458	159	6	that	that	PRON
ajiss-458	159	7	listed	list	VERB
ajiss-458	159	8	under	under	ADP
ajiss-458	159	9	murabahah	murabahah	NOUN
ajiss-458	159	10	for	for	ADP
ajiss-458	159	11	the	the	DET
ajiss-458	159	12	bahrain	bahrain	PROPN
ajiss-458	159	13	islamic	islamic	PROPN
ajiss-458	159	14	bank	bank	PROPN
ajiss-458	159	15	(	(	PUNCT
ajiss-458	159	16	84.16	84.16	NUM
ajiss-458	159	17	%	%	NOUN
ajiss-458	159	18	)	)	PUNCT
ajiss-458	159	19	.	.	PUNCT
ajiss-458	160	1	no	no	DET
ajiss-458	160	2	amount	amount	NOUN
ajiss-458	160	3	is	be	AUX
ajiss-458	160	4	shown	show	VERB
ajiss-458	160	5	under	under	ADP
ajiss-458	160	6	bay	bay	NOUN
ajiss-458	160	7	`	`	PUNCT
ajiss-458	160	8	bi	bi	PROPN
ajiss-458	160	9	al	al	PROPN
ajiss-458	160	10	-	-	PUNCT
ajiss-458	160	11	thaman	thaman	NOUN
ajiss-458	160	12	alajil	alajil	NOUN
ajiss-458	160	13	for	for	ADP
ajiss-458	160	14	the	the	DET
ajiss-458	160	15	bahrain	bahrain	PROPN
ajiss-458	160	16	islamic	islamic	PROPN
ajiss-458	160	17	bank	bank	PROPN
ajiss-458	160	18	.	.	PUNCT
ajiss-458	161	1	aggregating	aggregate	VERB
ajiss-458	161	2	the	the	DET
ajiss-458	161	3	figures	figure	NOUN
ajiss-458	161	4	for	for	ADP
ajiss-458	161	5	these	these	DET
ajiss-458	161	6	two	two	NUM
ajiss-458	161	7	types	type	NOUN
ajiss-458	161	8	of	of	ADP
ajiss-458	161	9	financing	financing	NOUN
ajiss-458	161	10	is	be	AUX
ajiss-458	161	11	understandable	understandable	ADJ
ajiss-458	161	12	,	,	PUNCT
ajiss-458	161	13	since	since	SCONJ
ajiss-458	161	14	their	their	PRON
ajiss-458	161	15	characteristics	characteristic	NOUN
ajiss-458	161	16	are	be	AUX
ajiss-458	161	17	quite	quite	ADV
ajiss-458	161	18	similar	similar	ADJ
ajiss-458	161	19	.	.	PUNCT
ajiss-458	162	1	the	the	DET
ajiss-458	162	2	average	average	NOUN
ajiss-458	162	3	of	of	ADP
ajiss-458	162	4	total	total	ADJ
ajiss-458	162	5	financing	financing	NOUN
ajiss-458	162	6	of	of	ADP
ajiss-458	162	7	these	these	DET
ajiss-458	162	8	two	two	NUM
ajiss-458	162	9	islamic	islamic	ADJ
ajiss-458	162	10	banks	bank	NOUN
ajiss-458	162	11	under	under	ADP
ajiss-458	162	12	murabahah	murabahah	NOUN
ajiss-458	162	13	and	and	CCONJ
ajiss-458	162	14	bay	bay	PROPN
ajiss-458	162	15	`	`	PUNCT
ajiss-458	162	16	bi	bi	PROPN
ajiss-458	162	17	al	al	PROPN
ajiss-458	162	18	-	-	PUNCT
ajiss-458	162	19	thaman	thaman	PROPN
ajiss-458	162	20	al	al	PROPN
ajiss-458	162	21	-	-	PUNCT
ajiss-458	162	22	ajil	ajil	PROPN
ajiss-458	162	23	is	be	AUX
ajiss-458	162	24	82.68	82.68	NUM
ajiss-458	162	25	%	%	NOUN
ajiss-458	162	26	.	.	PUNCT
ajiss-458	163	1	from	from	ADP
ajiss-458	163	2	the	the	DET
ajiss-458	163	3	point	point	NOUN
ajiss-458	163	4	of	of	ADP
ajiss-458	163	5	view	view	NOUN
ajiss-458	163	6	of	of	ADP
ajiss-458	163	7	some	some	DET
ajiss-458	163	8	critics	critic	NOUN
ajiss-458	163	9	,	,	PUNCT
ajiss-458	163	10	murabahah	murabahah	NOUN
ajiss-458	163	11	is	be	AUX
ajiss-458	163	12	not	not	PART
ajiss-458	163	13	a	a	DET
ajiss-458	163	14	pure	pure	ADJ
ajiss-458	163	15	islamic	islamic	ADJ
ajiss-458	163	16	product	product	NOUN
ajiss-458	163	17	;	;	PUNCT
ajiss-458	163	18	nevertheless	nevertheless	ADV
ajiss-458	163	19	,	,	PUNCT
ajiss-458	163	20	the	the	DET
ajiss-458	163	21	data	datum	NOUN
ajiss-458	163	22	show	show	VERB
ajiss-458	163	23	this	this	DET
ajiss-458	163	24	mode	mode	NOUN
ajiss-458	163	25	of	of	ADP
ajiss-458	163	26	financing	financing	NOUN
ajiss-458	163	27	is	be	AUX
ajiss-458	163	28	dominant	dominant	ADJ
ajiss-458	163	29	in	in	ADP
ajiss-458	163	30	the	the	DET
ajiss-458	163	31	islamic	islamic	ADJ
ajiss-458	163	32	banks	bank	NOUN
ajiss-458	163	33	of	of	ADP
ajiss-458	163	34	malaysia	malaysia	PROPN
ajiss-458	163	35	and	and	CCONJ
ajiss-458	163	36	bahrain	bahrain	NOUN
ajiss-458	163	37	.	.	PUNCT
ajiss-458	164	1	qard	qard	PROPN
ajiss-458	164	2	al	al	PROPN
ajiss-458	164	3	-	-	PUNCT
ajiss-458	164	4	hassan	hassan	PROPN
ajiss-458	164	5	(	(	PUNCT
ajiss-458	164	6	benevolence	benevolence	NOUN
ajiss-458	164	7	/	/	SYM
ajiss-458	164	8	philanthropic	philanthropic	NOUN
ajiss-458	164	9	)	)	PUNCT
ajiss-458	164	10	financing	financing	NOUN
ajiss-458	164	11	is	be	AUX
ajiss-458	164	12	another	another	DET
ajiss-458	164	13	cornerstone	cornerstone	NOUN
ajiss-458	164	14	of	of	ADP
ajiss-458	164	15	islamic	islamic	ADJ
ajiss-458	164	16	finance	finance	NOUN
ajiss-458	164	17	,	,	PUNCT
ajiss-458	164	18	for	for	ADP
ajiss-458	164	19	helping	help	VERB
ajiss-458	164	20	the	the	DET
ajiss-458	164	21	poor	poor	ADJ
ajiss-458	164	22	and	and	CCONJ
ajiss-458	164	23	needy	needy	ADJ
ajiss-458	164	24	is	be	AUX
ajiss-458	164	25	a	a	DET
ajiss-458	164	26	fundamental	fundamental	ADJ
ajiss-458	164	27	islamic	islamic	ADJ
ajiss-458	164	28	teaching	teaching	NOUN
ajiss-458	164	29	.	.	PUNCT
ajiss-458	165	1	the	the	DET
ajiss-458	165	2	extent	extent	NOUN
ajiss-458	165	3	of	of	ADP
ajiss-458	165	4	participation	participation	NOUN
ajiss-458	165	5	in	in	ADP
ajiss-458	165	6	this	this	DET
ajiss-458	165	7	mode	mode	NOUN
ajiss-458	165	8	of	of	ADP
ajiss-458	165	9	financing	financing	NOUN
ajiss-458	165	10	was	be	AUX
ajiss-458	165	11	considered	consider	VERB
ajiss-458	165	12	and	and	CCONJ
ajiss-458	165	13	found	find	VERB
ajiss-458	165	14	to	to	PART
ajiss-458	165	15	be	be	AUX
ajiss-458	165	16	8.09	8.09	NUM
ajiss-458	165	17	%	%	NOUN
ajiss-458	165	18	in	in	ADP
ajiss-458	165	19	malaysia	malaysia	PROPN
ajiss-458	165	20	and	and	CCONJ
ajiss-458	165	21	only	only	ADV
ajiss-458	165	22	0.08	0.08	NUM
ajiss-458	165	23	%	%	NOUN
ajiss-458	165	24	in	in	ADP
ajiss-458	165	25	bahrain	bahrain	NOUN
ajiss-458	165	26	.	.	PUNCT
ajiss-458	166	1	this	this	DET
ajiss-458	166	2	difference	difference	NOUN
ajiss-458	166	3	is	be	AUX
ajiss-458	166	4	probably	probably	ADV
ajiss-458	166	5	due	due	ADJ
ajiss-458	166	6	to	to	ADP
ajiss-458	166	7	the	the	DET
ajiss-458	166	8	larger	large	ADJ
ajiss-458	166	9	proportion	proportion	NOUN
ajiss-458	166	10	of	of	ADP
ajiss-458	166	11	needy	needy	ADJ
ajiss-458	166	12	78	78	NUM
ajiss-458	166	13	the	the	DET
ajiss-458	166	14	american	american	PROPN
ajiss-458	166	15	journal	journal	PROPN
ajiss-458	166	16	of	of	ADP
ajiss-458	166	17	islamic	islamic	ADJ
ajiss-458	166	18	social	social	PROPN
ajiss-458	166	19	sciences	sciences	PROPN
ajiss-458	166	20	22:2	22:2	PROPN
ajiss-458	166	21	samad	samad	PROPN
ajiss-458	166	22	,	,	PUNCT
ajiss-458	166	23	gardner	gardner	NOUN
ajiss-458	166	24	,	,	PUNCT
ajiss-458	166	25	and	and	CCONJ
ajiss-458	166	26	cook	cook	VERB
ajiss-458	166	27	:	:	PUNCT
ajiss-458	166	28	islamic	islamic	ADJ
ajiss-458	166	29	banking	banking	NOUN
ajiss-458	166	30	and	and	CCONJ
ajiss-458	166	31	finance	finance	NOUN
ajiss-458	166	32	79	79	NUM
ajiss-458	166	33	people	people	NOUN
ajiss-458	166	34	in	in	ADP
ajiss-458	166	35	malaysia	malaysia	PROPN
ajiss-458	166	36	and	and	CCONJ
ajiss-458	166	37	the	the	DET
ajiss-458	166	38	increased	increase	VERB
ajiss-458	166	39	availability	availability	NOUN
ajiss-458	166	40	of	of	ADP
ajiss-458	166	41	governmental	governmental	ADJ
ajiss-458	166	42	assistance	assistance	NOUN
ajiss-458	166	43	for	for	ADP
ajiss-458	166	44	the	the	DET
ajiss-458	166	45	needy	needy	NOUN
ajiss-458	166	46	in	in	ADP
ajiss-458	166	47	bahrain	bahrain	NOUN
ajiss-458	166	48	.	.	PUNCT
ajiss-458	167	1	the	the	DET
ajiss-458	167	2	average	average	ADJ
ajiss-458	167	3	qard	qard	NOUN
ajiss-458	167	4	al	al	PROPN
ajiss-458	167	5	-	-	PROPN
ajiss-458	167	6	hassan	hassan	PROPN
ajiss-458	167	7	financing	financing	NOUN
ajiss-458	167	8	by	by	ADP
ajiss-458	167	9	the	the	DET
ajiss-458	167	10	bank	bank	NOUN
ajiss-458	167	11	islam	islam	PROPN
ajiss-458	167	12	malaysia	malaysia	PROPN
ajiss-458	167	13	(	(	PUNCT
ajiss-458	167	14	berhad	berhad	PROPN
ajiss-458	167	15	)	)	PUNCT
ajiss-458	167	16	and	and	CCONJ
ajiss-458	167	17	the	the	DET
ajiss-458	167	18	bahrain	bahrain	PROPN
ajiss-458	167	19	islamic	islamic	PROPN
ajiss-458	167	20	bank	bank	PROPN
ajiss-458	167	21	is	be	AUX
ajiss-458	167	22	only	only	ADV
ajiss-458	167	23	4.09	4.09	NUM
ajiss-458	167	24	%	%	NOUN
ajiss-458	167	25	of	of	ADP
ajiss-458	167	26	the	the	DET
ajiss-458	167	27	total	total	ADJ
ajiss-458	167	28	finance	finance	NOUN
ajiss-458	167	29	and	and	CCONJ
ajiss-458	167	30	advances	advance	NOUN
ajiss-458	167	31	.	.	PUNCT
ajiss-458	168	1	the	the	DET
ajiss-458	168	2	data	datum	NOUN
ajiss-458	168	3	on	on	ADP
ajiss-458	168	4	ijarah	ijarah	PROPN
ajiss-458	168	5	(	(	PUNCT
ajiss-458	168	6	general	general	ADJ
ajiss-458	168	7	lease	lease	NOUN
ajiss-458	168	8	financing	financing	NOUN
ajiss-458	168	9	)	)	PUNCT
ajiss-458	168	10	show	show	VERB
ajiss-458	168	11	that	that	SCONJ
ajiss-458	168	12	the	the	DET
ajiss-458	168	13	average	average	ADJ
ajiss-458	168	14	ijarah	ijarah	NOUN
ajiss-458	168	15	financing	financing	NOUN
ajiss-458	168	16	of	of	ADP
ajiss-458	168	17	the	the	DET
ajiss-458	168	18	two	two	NUM
ajiss-458	168	19	islamic	islamic	ADJ
ajiss-458	168	20	banks	bank	NOUN
ajiss-458	168	21	under	under	ADP
ajiss-458	168	22	discussion	discussion	NOUN
ajiss-458	168	23	is	be	AUX
ajiss-458	168	24	2.59	2.59	NUM
ajiss-458	168	25	%	%	NOUN
ajiss-458	168	26	of	of	ADP
ajiss-458	168	27	their	their	PRON
ajiss-458	168	28	total	total	ADJ
ajiss-458	168	29	finance	finance	NOUN
ajiss-458	168	30	and	and	CCONJ
ajiss-458	168	31	advances	advance	NOUN
ajiss-458	168	32	.	.	PUNCT
ajiss-458	169	1	with	with	ADP
ajiss-458	169	2	regard	regard	NOUN
ajiss-458	169	3	to	to	ADP
ajiss-458	169	4	the	the	DET
ajiss-458	169	5	new	new	ADJ
ajiss-458	169	6	islamic	islamic	ADJ
ajiss-458	169	7	financing	financing	NOUN
ajiss-458	169	8	instrument	instrument	NOUN
ajiss-458	169	9	of	of	ADP
ajiss-458	169	10	istisna	istisna	NOUN
ajiss-458	169	11	`	`	PUNCT
ajiss-458	169	12	(	(	PUNCT
ajiss-458	169	13	progressive	progressive	ADJ
ajiss-458	169	14	payment	payment	NOUN
ajiss-458	169	15	)	)	PUNCT
ajiss-458	169	16	,	,	PUNCT
ajiss-458	169	17	their	their	PRON
ajiss-458	169	18	balance	balance	NOUN
ajiss-458	169	19	sheets	sheet	NOUN
ajiss-458	169	20	indicate	indicate	VERB
ajiss-458	169	21	no	no	DET
ajiss-458	169	22	allocation	allocation	NOUN
ajiss-458	169	23	.	.	PUNCT
ajiss-458	170	1	this	this	PRON
ajiss-458	170	2	suggests	suggest	VERB
ajiss-458	170	3	that	that	SCONJ
ajiss-458	170	4	they	they	PRON
ajiss-458	170	5	have	have	AUX
ajiss-458	170	6	not	not	PART
ajiss-458	170	7	yet	yet	ADV
ajiss-458	170	8	participated	participate	VERB
ajiss-458	170	9	in	in	ADP
ajiss-458	170	10	this	this	DET
ajiss-458	170	11	mode	mode	NOUN
ajiss-458	170	12	of	of	ADP
ajiss-458	170	13	financing	financing	NOUN
ajiss-458	170	14	.	.	PUNCT
ajiss-458	171	1	given	give	VERB
ajiss-458	171	2	this	this	PRON
ajiss-458	171	3	,	,	PUNCT
ajiss-458	171	4	we	we	PRON
ajiss-458	171	5	can	can	AUX
ajiss-458	171	6	say	say	VERB
ajiss-458	171	7	that	that	SCONJ
ajiss-458	171	8	this	this	DET
ajiss-458	171	9	new	new	ADJ
ajiss-458	171	10	instrument	instrument	NOUN
ajiss-458	171	11	appears	appear	VERB
ajiss-458	171	12	to	to	PART
ajiss-458	171	13	exist	exist	VERB
ajiss-458	171	14	in	in	ADP
ajiss-458	171	15	theory	theory	NOUN
ajiss-458	171	16	but	but	CCONJ
ajiss-458	171	17	not	not	PART
ajiss-458	171	18	yet	yet	ADV
ajiss-458	171	19	in	in	ADP
ajiss-458	171	20	practice	practice	NOUN
ajiss-458	171	21	.	.	PUNCT
ajiss-458	172	1	zakat	zakat	NOUN
ajiss-458	172	2	,	,	PUNCT
ajiss-458	172	3	a	a	DET
ajiss-458	172	4	compulsory	compulsory	ADJ
ajiss-458	172	5	religious	religious	ADJ
ajiss-458	172	6	tax	tax	NOUN
ajiss-458	172	7	,	,	PUNCT
ajiss-458	172	8	is	be	AUX
ajiss-458	172	9	one	one	NUM
ajiss-458	172	10	of	of	ADP
ajiss-458	172	11	the	the	DET
ajiss-458	172	12	five	five	NUM
ajiss-458	172	13	pillars	pillar	NOUN
ajiss-458	172	14	of	of	ADP
ajiss-458	172	15	islam	islam	PROPN
ajiss-458	172	16	that	that	SCONJ
ajiss-458	172	17	both	both	DET
ajiss-458	172	18	individuals	individual	NOUN
ajiss-458	172	19	and	and	CCONJ
ajiss-458	172	20	businesses	business	NOUN
ajiss-458	172	21	are	be	AUX
ajiss-458	172	22	required	require	VERB
ajiss-458	172	23	to	to	PART
ajiss-458	172	24	observe	observe	VERB
ajiss-458	172	25	.	.	PUNCT
ajiss-458	173	1	therefore	therefore	ADV
ajiss-458	173	2	,	,	PUNCT
ajiss-458	173	3	islamic	islamic	ADJ
ajiss-458	173	4	banks	bank	NOUN
ajiss-458	173	5	are	be	AUX
ajiss-458	173	6	obligated	obligate	VERB
ajiss-458	173	7	to	to	PART
ajiss-458	173	8	pay	pay	VERB
ajiss-458	173	9	it	it	PRON
ajiss-458	173	10	as	as	ADP
ajiss-458	173	11	an	an	DET
ajiss-458	173	12	integral	integral	ADJ
ajiss-458	173	13	part	part	NOUN
ajiss-458	173	14	of	of	ADP
ajiss-458	173	15	islamic	islamic	ADJ
ajiss-458	173	16	finance	finance	NOUN
ajiss-458	173	17	.	.	PUNCT
ajiss-458	174	1	an	an	DET
ajiss-458	174	2	examination	examination	NOUN
ajiss-458	174	3	of	of	ADP
ajiss-458	174	4	these	these	DET
ajiss-458	174	5	two	two	NUM
ajiss-458	174	6	islamic	islamic	ADJ
ajiss-458	174	7	banks	bank	NOUN
ajiss-458	174	8	’	'	PUNCT
ajiss-458	174	9	income	income	NOUN
ajiss-458	174	10	statements	statement	NOUN
ajiss-458	174	11	reveals	reveal	VERB
ajiss-458	174	12	that	that	SCONJ
ajiss-458	174	13	the	the	DET
ajiss-458	174	14	bank	bank	NOUN
ajiss-458	174	15	islam	islam	PROPN
ajiss-458	174	16	malaysia	malaysia	PROPN
ajiss-458	174	17	(	(	PUNCT
ajiss-458	174	18	berhad	berhad	PROPN
ajiss-458	174	19	)	)	PUNCT
ajiss-458	174	20	and	and	CCONJ
ajiss-458	174	21	the	the	DET
ajiss-458	174	22	bahrain	bahrain	PROPN
ajiss-458	174	23	islamic	islamic	PROPN
ajiss-458	174	24	bank	bank	PROPN
ajiss-458	174	25	pay	pay	VERB
ajiss-458	174	26	a	a	DET
ajiss-458	174	27	zakat	zakat	NOUN
ajiss-458	174	28	of	of	ADP
ajiss-458	174	29	rm	rm	PROPN
ajiss-458	174	30	1,125,000	1,125,000	NUM
ajiss-458	174	31	(	(	PUNCT
ajiss-458	174	32	6.13	6.13	NUM
ajiss-458	174	33	%	%	NOUN
ajiss-458	174	34	of	of	ADP
ajiss-458	174	35	the	the	DET
ajiss-458	174	36	total	total	ADJ
ajiss-458	174	37	profit	profit	NOUN
ajiss-458	174	38	)	)	PUNCT
ajiss-458	174	39	and	and	CCONJ
ajiss-458	174	40	bd	bd	PROPN
ajiss-458	174	41	1,341,555	1,341,555	NUM
ajiss-458	174	42	(	(	PUNCT
ajiss-458	174	43	1.69	1.69	NUM
ajiss-458	174	44	%	%	NOUN
ajiss-458	174	45	of	of	ADP
ajiss-458	174	46	the	the	DET
ajiss-458	174	47	total	total	ADJ
ajiss-458	174	48	profit	profit	NOUN
ajiss-458	174	49	)	)	PUNCT
ajiss-458	174	50	,	,	PUNCT
ajiss-458	174	51	respectively	respectively	ADV
ajiss-458	174	52	,	,	PUNCT
ajiss-458	174	53	from	from	ADP
ajiss-458	174	54	their	their	PRON
ajiss-458	174	55	operating	operating	NOUN
ajiss-458	174	56	profits	profit	NOUN
ajiss-458	174	57	.	.	PUNCT
ajiss-458	175	1	it	it	PRON
ajiss-458	175	2	should	should	AUX
ajiss-458	175	3	be	be	AUX
ajiss-458	175	4	noted	note	VERB
ajiss-458	175	5	that	that	SCONJ
ajiss-458	175	6	both	both	PRON
ajiss-458	175	7	of	of	ADP
ajiss-458	175	8	these	these	DET
ajiss-458	175	9	banks	bank	NOUN
ajiss-458	175	10	operate	operate	VERB
ajiss-458	175	11	under	under	ADP
ajiss-458	175	12	the	the	DET
ajiss-458	175	13	conventional	conventional	ADJ
ajiss-458	175	14	business	business	NOUN
ajiss-458	175	15	laws	law	NOUN
ajiss-458	175	16	of	of	ADP
ajiss-458	175	17	their	their	PRON
ajiss-458	175	18	respective	respective	ADJ
ajiss-458	175	19	countries	country	NOUN
ajiss-458	175	20	and	and	CCONJ
ajiss-458	175	21	thus	thus	ADV
ajiss-458	175	22	pay	pay	VERB
ajiss-458	175	23	this	this	DET
ajiss-458	175	24	religious	religious	ADJ
ajiss-458	175	25	tax	tax	NOUN
ajiss-458	175	26	in	in	ADP
ajiss-458	175	27	addition	addition	NOUN
ajiss-458	175	28	to	to	ADP
ajiss-458	175	29	the	the	DET
ajiss-458	175	30	conventional	conventional	ADJ
ajiss-458	175	31	income	income	NOUN
ajiss-458	175	32	tax	tax	NOUN
ajiss-458	175	33	.	.	PUNCT
ajiss-458	176	1	in	in	ADP
ajiss-458	176	2	theory	theory	NOUN
ajiss-458	176	3	,	,	PUNCT
ajiss-458	176	4	mudarabah	mudarabah	NOUN
ajiss-458	176	5	and	and	CCONJ
ajiss-458	176	6	musharakah	musharakah	PROPN
ajiss-458	176	7	constitute	constitute	VERB
ajiss-458	176	8	the	the	DET
ajiss-458	176	9	foundation	foundation	NOUN
ajiss-458	176	10	of	of	ADP
ajiss-458	176	11	the	the	DET
ajiss-458	176	12	islamic	islamic	ADJ
ajiss-458	176	13	financial	financial	ADJ
ajiss-458	176	14	system	system	NOUN
ajiss-458	176	15	.	.	PUNCT
ajiss-458	177	1	nevertheless	nevertheless	ADV
ajiss-458	177	2	,	,	PUNCT
ajiss-458	177	3	the	the	DET
ajiss-458	177	4	data	datum	NOUN
ajiss-458	177	5	presented	present	VERB
ajiss-458	177	6	here	here	ADV
ajiss-458	177	7	seem	seem	VERB
ajiss-458	177	8	to	to	PART
ajiss-458	177	9	indicate	indicate	VERB
ajiss-458	177	10	that	that	SCONJ
ajiss-458	177	11	they	they	PRON
ajiss-458	177	12	are	be	AUX
ajiss-458	177	13	utilized	utilize	VERB
ajiss-458	177	14	far	far	ADV
ajiss-458	177	15	less	less	ADJ
ajiss-458	177	16	than	than	ADP
ajiss-458	177	17	other	other	ADJ
ajiss-458	177	18	forms	form	NOUN
ajiss-458	177	19	of	of	ADP
ajiss-458	177	20	islamic	islamic	ADJ
ajiss-458	177	21	financing	financing	NOUN
ajiss-458	177	22	,	,	PUNCT
ajiss-458	177	23	such	such	ADJ
ajiss-458	177	24	as	as	ADP
ajiss-458	177	25	murabahah	murabahah	NOUN
ajiss-458	177	26	.	.	PUNCT
ajiss-458	178	1	some	some	DET
ajiss-458	178	2	possible	possible	ADJ
ajiss-458	178	3	explanations	explanation	NOUN
ajiss-458	178	4	as	as	ADP
ajiss-458	178	5	to	to	ADP
ajiss-458	178	6	why	why	SCONJ
ajiss-458	178	7	these	these	DET
ajiss-458	178	8	instruments	instrument	NOUN
ajiss-458	178	9	are	be	AUX
ajiss-458	178	10	not	not	PART
ajiss-458	178	11	utilized	utilize	VERB
ajiss-458	178	12	to	to	ADP
ajiss-458	178	13	a	a	DET
ajiss-458	178	14	greater	great	ADJ
ajiss-458	178	15	extent	extent	NOUN
ajiss-458	178	16	are	be	AUX
ajiss-458	178	17	discussed	discuss	VERB
ajiss-458	178	18	below	below	ADV
ajiss-458	178	19	.	.	PUNCT
ajiss-458	179	1	agency	agency	NOUN
ajiss-458	179	2	problem	problem	NOUN
ajiss-458	179	3	when	when	SCONJ
ajiss-458	179	4	a	a	DET
ajiss-458	179	5	business	business	NOUN
ajiss-458	179	6	is	be	AUX
ajiss-458	179	7	run	run	VERB
ajiss-458	179	8	by	by	ADP
ajiss-458	179	9	professional	professional	ADJ
ajiss-458	179	10	managers	manager	NOUN
ajiss-458	179	11	,	,	PUNCT
ajiss-458	179	12	as	as	SCONJ
ajiss-458	179	13	opposed	oppose	VERB
ajiss-458	179	14	to	to	ADP
ajiss-458	179	15	the	the	DET
ajiss-458	179	16	owner	owner	NOUN
ajiss-458	179	17	or	or	CCONJ
ajiss-458	179	18	supplier	supplier	NOUN
ajiss-458	179	19	of	of	ADP
ajiss-458	179	20	capital	capital	NOUN
ajiss-458	179	21	(	(	PUNCT
ajiss-458	179	22	debtholder	debtholder	NOUN
ajiss-458	179	23	or	or	CCONJ
ajiss-458	179	24	shareholder	shareholder	NOUN
ajiss-458	179	25	)	)	PUNCT
ajiss-458	179	26	,	,	PUNCT
ajiss-458	179	27	a	a	DET
ajiss-458	179	28	conflict	conflict	NOUN
ajiss-458	179	29	of	of	ADP
ajiss-458	179	30	interest	interest	NOUN
ajiss-458	179	31	may	may	AUX
ajiss-458	179	32	arise	arise	VERB
ajiss-458	179	33	.	.	PUNCT
ajiss-458	180	1	a	a	DET
ajiss-458	180	2	manager	manager	NOUN
ajiss-458	180	3	is	be	AUX
ajiss-458	180	4	the	the	DET
ajiss-458	180	5	business	business	NOUN
ajiss-458	180	6	owner	owner	NOUN
ajiss-458	180	7	’s	’s	PART
ajiss-458	180	8	agent	agent	NOUN
ajiss-458	180	9	.	.	PUNCT
ajiss-458	181	1	as	as	ADP
ajiss-458	181	2	the	the	DET
ajiss-458	181	3	utility	utility	NOUN
ajiss-458	181	4	increases	increase	NOUN
ajiss-458	181	5	,	,	PUNCT
ajiss-458	181	6	managers	manager	NOUN
ajiss-458	181	7	will	will	AUX
ajiss-458	181	8	seek	seek	VERB
ajiss-458	181	9	to	to	PART
ajiss-458	181	10	maximize	maximize	VERB
ajiss-458	181	11	their	their	PRON
ajiss-458	181	12	own	own	ADJ
ajiss-458	181	13	utility	utility	NOUN
ajiss-458	181	14	instead	instead	ADV
ajiss-458	181	15	of	of	ADP
ajiss-458	181	16	maximizing	maximize	VERB
ajiss-458	181	17	the	the	DET
ajiss-458	181	18	wealth	wealth	NOUN
ajiss-458	181	19	or	or	CCONJ
ajiss-458	181	20	utility	utility	NOUN
ajiss-458	181	21	of	of	ADP
ajiss-458	181	22	the	the	DET
ajiss-458	181	23	shareholders	shareholder	NOUN
ajiss-458	181	24	or	or	CCONJ
ajiss-458	181	25	the	the	DET
ajiss-458	181	26	business	business	NOUN
ajiss-458	181	27	owners	owner	NOUN
ajiss-458	181	28	.	.	PUNCT
ajiss-458	182	1	they	they	PRON
ajiss-458	182	2	have	have	VERB
ajiss-458	182	3	an	an	DET
ajiss-458	182	4	incentive	incentive	NOUN
ajiss-458	182	5	to	to	PART
ajiss-458	182	6	increase	increase	VERB
ajiss-458	182	7	their	their	PRON
ajiss-458	182	8	own	own	ADJ
ajiss-458	182	9	salaries	salary	NOUN
ajiss-458	182	10	,	,	PUNCT
ajiss-458	182	11	fringe	fringe	NOUN
ajiss-458	182	12	benefits	benefit	NOUN
ajiss-458	182	13	,	,	PUNCT
ajiss-458	182	14	and	and	CCONJ
ajiss-458	182	15	other	other	ADJ
ajiss-458	182	16	perks	perk	NOUN
ajiss-458	182	17	,	,	PUNCT
ajiss-458	182	18	all	all	PRON
ajiss-458	182	19	of	of	ADP
ajiss-458	182	20	which	which	PRON
ajiss-458	182	21	represent	represent	VERB
ajiss-458	182	22	a	a	DET
ajiss-458	182	23	conflict	conflict	NOUN
ajiss-458	182	24	of	of	ADP
ajiss-458	182	25	interest	interest	NOUN
ajiss-458	182	26	that	that	PRON
ajiss-458	182	27	may	may	AUX
ajiss-458	182	28	lead	lead	VERB
ajiss-458	182	29	them	they	PRON
ajiss-458	182	30	to	to	PART
ajiss-458	182	31	place	place	VERB
ajiss-458	182	32	personal	personal	ADJ
ajiss-458	182	33	interest	interest	NOUN
ajiss-458	182	34	ahead	ahead	ADV
ajiss-458	182	35	of	of	ADP
ajiss-458	182	36	such	such	ADJ
ajiss-458	182	37	corporate	corporate	ADJ
ajiss-458	182	38	goals	goal	NOUN
ajiss-458	182	39	as	as	ADP
ajiss-458	182	40	maximizing	maximize	VERB
ajiss-458	182	41	the	the	DET
ajiss-458	182	42	shareholders	shareholder	NOUN
ajiss-458	182	43	’	’	PART
ajiss-458	182	44	profit	profit	NOUN
ajiss-458	182	45	margin.31	margin.31	NOUN
ajiss-458	182	46	this	this	DET
ajiss-458	182	47	conflict	conflict	NOUN
ajiss-458	182	48	is	be	AUX
ajiss-458	182	49	the	the	DET
ajiss-458	182	50	most	most	ADV
ajiss-458	182	51	common	common	ADJ
ajiss-458	182	52	problem	problem	NOUN
ajiss-458	182	53	in	in	ADP
ajiss-458	182	54	all	all	DET
ajiss-458	182	55	businesses	business	NOUN
ajiss-458	182	56	or	or	CCONJ
ajiss-458	182	57	corporations	corporation	NOUN
ajiss-458	182	58	managed	manage	VERB
ajiss-458	182	59	by	by	ADP
ajiss-458	182	60	agents	agent	NOUN
ajiss-458	182	61	rather	rather	ADV
ajiss-458	182	62	than	than	ADP
ajiss-458	182	63	the	the	DET
ajiss-458	182	64	shareholders	shareholder	NOUN
ajiss-458	182	65	or	or	CCONJ
ajiss-458	182	66	debtholders	debtholder	NOUN
ajiss-458	182	67	themselves.32	themselves.32	NOUN
ajiss-458	182	68	given	give	VERB
ajiss-458	182	69	its	its	PRON
ajiss-458	182	70	prevalence	prevalence	NOUN
ajiss-458	182	71	,	,	PUNCT
ajiss-458	182	72	it	it	PRON
ajiss-458	182	73	is	be	AUX
ajiss-458	182	74	important	important	ADJ
ajiss-458	182	75	to	to	PART
ajiss-458	182	76	see	see	VERB
ajiss-458	182	77	how	how	SCONJ
ajiss-458	182	78	it	it	PRON
ajiss-458	182	79	applies	apply	VERB
ajiss-458	182	80	to	to	PART
ajiss-458	182	81	mudarabah	mudarabah	NOUN
ajiss-458	182	82	and	and	CCONJ
ajiss-458	182	83	musharakah	musharakah	PROPN
ajiss-458	182	84	.	.	PUNCT
ajiss-458	183	1	the	the	DET
ajiss-458	183	2	agency	agency	NOUN
ajiss-458	183	3	problem	problem	NOUN
ajiss-458	183	4	in	in	ADP
ajiss-458	183	5	musharakah	musharakah	ADJ
ajiss-458	183	6	financing	financing	NOUN
ajiss-458	183	7	.	.	PUNCT
ajiss-458	184	1	earlier	early	ADV
ajiss-458	184	2	in	in	ADP
ajiss-458	184	3	this	this	DET
ajiss-458	184	4	paper	paper	NOUN
ajiss-458	184	5	,	,	PUNCT
ajiss-458	184	6	musharakah	musharakah	PROPN
ajiss-458	184	7	was	be	AUX
ajiss-458	184	8	described	describe	VERB
ajiss-458	184	9	as	as	ADP
ajiss-458	184	10	essentially	essentially	ADV
ajiss-458	184	11	a	a	DET
ajiss-458	184	12	joint	joint	ADJ
ajiss-458	184	13	venture	venture	NOUN
ajiss-458	184	14	profit	profit	NOUN
ajiss-458	184	15	-	-	PUNCT
ajiss-458	184	16	sharing	share	VERB
ajiss-458	184	17	business	business	NOUN
ajiss-458	184	18	of	of	ADP
ajiss-458	184	19	two	two	NUM
ajiss-458	184	20	or	or	CCONJ
ajiss-458	184	21	more	more	ADJ
ajiss-458	184	22	parties	party	NOUN
ajiss-458	184	23	in	in	ADP
ajiss-458	184	24	which	which	PRON
ajiss-458	184	25	the	the	DET
ajiss-458	184	26	islamic	islamic	PROPN
ajiss-458	184	27	bank	bank	PROPN
ajiss-458	184	28	is	be	AUX
ajiss-458	184	29	an	an	DET
ajiss-458	184	30	important	important	ADJ
ajiss-458	184	31	partner	partner	NOUN
ajiss-458	184	32	or	or	CCONJ
ajiss-458	184	33	shareholder	shareholder	NOUN
ajiss-458	184	34	.	.	PUNCT
ajiss-458	185	1	under	under	ADP
ajiss-458	185	2	musharakah	musharakah	NOUN
ajiss-458	185	3	,	,	PUNCT
ajiss-458	185	4	the	the	DET
ajiss-458	185	5	bank	bank	NOUN
ajiss-458	185	6	relies	rely	VERB
ajiss-458	185	7	on	on	ADP
ajiss-458	185	8	the	the	DET
ajiss-458	185	9	other	other	ADJ
ajiss-458	185	10	partner(s	partner(s	NOUN
ajiss-458	185	11	)	)	PUNCT
ajiss-458	185	12	to	to	PART
ajiss-458	185	13	manage	manage	VERB
ajiss-458	185	14	the	the	DET
ajiss-458	185	15	business	business	NOUN
ajiss-458	185	16	and	and	CCONJ
ajiss-458	185	17	make	make	VERB
ajiss-458	185	18	the	the	DET
ajiss-458	185	19	day	day	NOUN
ajiss-458	185	20	-	-	PUNCT
ajiss-458	185	21	to	to	ADP
ajiss-458	185	22	-	-	PUNCT
ajiss-458	185	23	day	day	NOUN
ajiss-458	185	24	decisions	decision	NOUN
ajiss-458	185	25	.	.	PUNCT
ajiss-458	186	1	even	even	ADV
ajiss-458	186	2	though	though	SCONJ
ajiss-458	186	3	the	the	DET
ajiss-458	186	4	bank	bank	NOUN
ajiss-458	186	5	could	could	AUX
ajiss-458	186	6	monitor	monitor	VERB
ajiss-458	186	7	the	the	DET
ajiss-458	186	8	management	management	NOUN
ajiss-458	186	9	of	of	ADP
ajiss-458	186	10	the	the	DET
ajiss-458	186	11	business	business	NOUN
ajiss-458	186	12	by	by	ADP
ajiss-458	186	13	hiring	hire	VERB
ajiss-458	186	14	external	external	ADJ
ajiss-458	186	15	auditors	auditor	NOUN
ajiss-458	186	16	and	and	CCONJ
ajiss-458	186	17	consultants	consultant	NOUN
ajiss-458	186	18	,	,	PUNCT
ajiss-458	186	19	such	such	ADJ
ajiss-458	186	20	measures	measure	NOUN
ajiss-458	186	21	would	would	AUX
ajiss-458	186	22	incur	incur	VERB
ajiss-458	186	23	additional	additional	ADJ
ajiss-458	186	24	costs	cost	NOUN
ajiss-458	186	25	.	.	PUNCT
ajiss-458	187	1	therefore	therefore	ADV
ajiss-458	187	2	,	,	PUNCT
ajiss-458	187	3	the	the	DET
ajiss-458	187	4	bank	bank	NOUN
ajiss-458	187	5	must	must	AUX
ajiss-458	187	6	rely	rely	VERB
ajiss-458	187	7	on	on	ADP
ajiss-458	187	8	professional	professional	ADJ
ajiss-458	187	9	managers	manager	NOUN
ajiss-458	187	10	or	or	CCONJ
ajiss-458	187	11	other	other	ADJ
ajiss-458	187	12	partners	partner	NOUN
ajiss-458	187	13	to	to	PART
ajiss-458	187	14	manage	manage	VERB
ajiss-458	187	15	the	the	DET
ajiss-458	187	16	businesses	business	NOUN
ajiss-458	187	17	,	,	PUNCT
ajiss-458	187	18	even	even	ADV
ajiss-458	187	19	though	though	SCONJ
ajiss-458	187	20	these	these	DET
ajiss-458	187	21	managers	manager	NOUN
ajiss-458	187	22	may	may	AUX
ajiss-458	187	23	have	have	VERB
ajiss-458	187	24	an	an	DET
ajiss-458	187	25	incentive	incentive	NOUN
ajiss-458	187	26	to	to	PART
ajiss-458	187	27	maximize	maximize	VERB
ajiss-458	187	28	their	their	PRON
ajiss-458	187	29	own	own	ADJ
ajiss-458	187	30	utility	utility	NOUN
ajiss-458	187	31	at	at	ADP
ajiss-458	187	32	the	the	DET
ajiss-458	187	33	business	business	NOUN
ajiss-458	187	34	owner	owner	NOUN
ajiss-458	187	35	’s	’s	PART
ajiss-458	187	36	expense	expense	NOUN
ajiss-458	187	37	.	.	PUNCT
ajiss-458	188	1	the	the	DET
ajiss-458	188	2	agency	agency	NOUN
ajiss-458	188	3	problem	problem	NOUN
ajiss-458	188	4	in	in	ADP
ajiss-458	188	5	mudarabah	mudarabah	NOUN
ajiss-458	188	6	financing	financing	NOUN
ajiss-458	188	7	.	.	PUNCT
ajiss-458	189	1	as	as	ADP
ajiss-458	189	2	bacha	bacha	PROPN
ajiss-458	189	3	states	states	PROPN
ajiss-458	189	4	:	:	PUNCT
ajiss-458	189	5	“	"	PUNCT
ajiss-458	189	6	mudarabah	mudarabah	NOUN
ajiss-458	189	7	financing	financing	NOUN
ajiss-458	189	8	is	be	AUX
ajiss-458	189	9	really	really	ADV
ajiss-458	189	10	a	a	DET
ajiss-458	189	11	hybrid	hybrid	NOUN
ajiss-458	189	12	.	.	PUNCT
ajiss-458	190	1	it	it	PRON
ajiss-458	190	2	is	be	AUX
ajiss-458	190	3	neither	neither	CCONJ
ajiss-458	190	4	equity	equity	NOUN
ajiss-458	190	5	nor	nor	CCONJ
ajiss-458	190	6	debt	debt	NOUN
ajiss-458	190	7	,	,	PUNCT
ajiss-458	190	8	because	because	SCONJ
ajiss-458	190	9	it	it	PRON
ajiss-458	190	10	has	have	VERB
ajiss-458	190	11	important	important	ADJ
ajiss-458	190	12	features	feature	NOUN
ajiss-458	190	13	of	of	ADP
ajiss-458	190	14	both	both	PRON
ajiss-458	190	15	.	.	PUNCT
ajiss-458	191	1	”33	”33	VERB
ajiss-458	191	2	this	this	DET
ajiss-458	191	3	type	type	NOUN
ajiss-458	191	4	of	of	ADP
ajiss-458	191	5	financing	financing	NOUN
ajiss-458	191	6	has	have	VERB
ajiss-458	191	7	elements	element	NOUN
ajiss-458	191	8	of	of	ADP
ajiss-458	191	9	equity	equity	NOUN
ajiss-458	191	10	financing	financing	NOUN
ajiss-458	191	11	,	,	PUNCT
ajiss-458	191	12	since	since	SCONJ
ajiss-458	191	13	the	the	DET
ajiss-458	191	14	islamic	islamic	PROPN
ajiss-458	191	15	bank	bank	PROPN
ajiss-458	191	16	receives	receive	VERB
ajiss-458	191	17	no	no	DET
ajiss-458	191	18	fixed	fix	VERB
ajiss-458	191	19	annual	annual	ADJ
ajiss-458	191	20	return	return	NOUN
ajiss-458	191	21	.	.	PUNCT
ajiss-458	192	1	in	in	ADP
ajiss-458	192	2	fact	fact	NOUN
ajiss-458	192	3	,	,	PUNCT
ajiss-458	192	4	such	such	DET
ajiss-458	192	5	a	a	DET
ajiss-458	192	6	return	return	NOUN
ajiss-458	192	7	from	from	ADP
ajiss-458	192	8	the	the	DET
ajiss-458	192	9	business	business	NOUN
ajiss-458	192	10	is	be	AUX
ajiss-458	192	11	similar	similar	ADJ
ajiss-458	192	12	to	to	ADP
ajiss-458	192	13	a	a	DET
ajiss-458	192	14	dividend	dividend	NOUN
ajiss-458	192	15	,	,	PUNCT
ajiss-458	192	16	which	which	PRON
ajiss-458	192	17	the	the	DET
ajiss-458	192	18	business	business	NOUN
ajiss-458	192	19	pays	pay	VERB
ajiss-458	192	20	only	only	ADV
ajiss-458	192	21	if	if	SCONJ
ajiss-458	192	22	it	it	PRON
ajiss-458	192	23	earns	earn	VERB
ajiss-458	192	24	a	a	DET
ajiss-458	192	25	profit	profit	NOUN
ajiss-458	192	26	.	.	PUNCT
ajiss-458	193	1	on	on	ADP
ajiss-458	193	2	the	the	DET
ajiss-458	193	3	other	other	ADJ
ajiss-458	193	4	hand	hand	NOUN
ajiss-458	193	5	,	,	PUNCT
ajiss-458	193	6	mudarabah	mudarabah	NOUN
ajiss-458	193	7	has	have	VERB
ajiss-458	193	8	elements	element	NOUN
ajiss-458	193	9	of	of	ADP
ajiss-458	193	10	conventional	conventional	ADJ
ajiss-458	193	11	debt	debt	NOUN
ajiss-458	193	12	financing	financing	NOUN
ajiss-458	193	13	,	,	PUNCT
ajiss-458	193	14	because	because	SCONJ
ajiss-458	193	15	in	in	ADP
ajiss-458	193	16	the	the	DET
ajiss-458	193	17	event	event	NOUN
ajiss-458	193	18	of	of	ADP
ajiss-458	193	19	dissolution	dissolution	NOUN
ajiss-458	193	20	,	,	PUNCT
ajiss-458	193	21	the	the	DET
ajiss-458	193	22	bank	bank	NOUN
ajiss-458	193	23	has	have	VERB
ajiss-458	193	24	a	a	DET
ajiss-458	193	25	“	"	PUNCT
ajiss-458	193	26	fixed	fix	VERB
ajiss-458	193	27	”	"	PUNCT
ajiss-458	193	28	claim	claim	NOUN
ajiss-458	193	29	on	on	ADP
ajiss-458	193	30	the	the	DET
ajiss-458	193	31	venture	venture	NOUN
ajiss-458	193	32	equal	equal	ADJ
ajiss-458	193	33	to	to	ADP
ajiss-458	193	34	the	the	DET
ajiss-458	193	35	initial	initial	ADJ
ajiss-458	193	36	capital	capital	NOUN
ajiss-458	193	37	provided	provide	VERB
ajiss-458	193	38	,	,	PUNCT
ajiss-458	193	39	plus	plus	CCONJ
ajiss-458	193	40	its	its	PRON
ajiss-458	193	41	share	share	NOUN
ajiss-458	193	42	of	of	ADP
ajiss-458	193	43	any	any	DET
ajiss-458	193	44	profits	profit	NOUN
ajiss-458	193	45	.	.	PUNCT
ajiss-458	194	1	under	under	ADP
ajiss-458	194	2	mudarabah	mudarabah	NOUN
ajiss-458	194	3	,	,	PUNCT
ajiss-458	194	4	the	the	DET
ajiss-458	194	5	islamic	islamic	PROPN
ajiss-458	194	6	bank	bank	PROPN
ajiss-458	194	7	does	do	AUX
ajiss-458	194	8	not	not	PART
ajiss-458	194	9	participate	participate	VERB
ajiss-458	194	10	directly	directly	ADV
ajiss-458	194	11	in	in	ADP
ajiss-458	194	12	management	management	NOUN
ajiss-458	194	13	decisions	decision	NOUN
ajiss-458	194	14	.	.	PUNCT
ajiss-458	195	1	rather	rather	ADV
ajiss-458	195	2	,	,	PUNCT
ajiss-458	195	3	it	it	PRON
ajiss-458	195	4	relies	rely	VERB
ajiss-458	195	5	completely	completely	ADV
ajiss-458	195	6	on	on	ADP
ajiss-458	195	7	the	the	DET
ajiss-458	195	8	business	business	NOUN
ajiss-458	195	9	venture	venture	NOUN
ajiss-458	195	10	’s	’s	PART
ajiss-458	195	11	trustee	trustee	NOUN
ajiss-458	195	12	or	or	CCONJ
ajiss-458	195	13	entrepreneur	entrepreneur	NOUN
ajiss-458	195	14	.	.	PUNCT
ajiss-458	196	1	this	this	DET
ajiss-458	196	2	trustee	trustee	NOUN
ajiss-458	196	3	is	be	AUX
ajiss-458	196	4	clearly	clearly	ADV
ajiss-458	196	5	an	an	DET
ajiss-458	196	6	agent	agent	NOUN
ajiss-458	196	7	of	of	ADP
ajiss-458	196	8	the	the	DET
ajiss-458	196	9	islamic	islamic	PROPN
ajiss-458	196	10	bank	bank	PROPN
ajiss-458	196	11	and	and	CCONJ
ajiss-458	196	12	,	,	PUNCT
ajiss-458	196	13	therefore	therefore	ADV
ajiss-458	196	14	,	,	PUNCT
ajiss-458	196	15	is	be	AUX
ajiss-458	196	16	inherently	inherently	ADV
ajiss-458	196	17	subject	subject	ADJ
ajiss-458	196	18	to	to	ADP
ajiss-458	196	19	the	the	DET
ajiss-458	196	20	agency	agency	NOUN
ajiss-458	196	21	conflict	conflict	NOUN
ajiss-458	196	22	of	of	ADP
ajiss-458	196	23	interest	interest	NOUN
ajiss-458	196	24	.	.	PUNCT
ajiss-458	197	1	thus	thus	ADV
ajiss-458	197	2	,	,	PUNCT
ajiss-458	197	3	under	under	ADP
ajiss-458	197	4	both	both	PRON
ajiss-458	197	5	musharakah	musharakah	NOUN
ajiss-458	197	6	and	and	CCONJ
ajiss-458	197	7	mudarabah	mudarabah	NOUN
ajiss-458	197	8	,	,	PUNCT
ajiss-458	197	9	the	the	DET
ajiss-458	197	10	islamic	islamic	PROPN
ajiss-458	197	11	bank	bank	PROPN
ajiss-458	197	12	experiences	experience	VERB
ajiss-458	197	13	the	the	DET
ajiss-458	197	14	agency	agency	NOUN
ajiss-458	197	15	problem	problem	NOUN
ajiss-458	197	16	with	with	ADP
ajiss-458	197	17	its	its	PRON
ajiss-458	197	18	associated	associated	ADJ
ajiss-458	197	19	costs	cost	NOUN
ajiss-458	197	20	.	.	PUNCT
ajiss-458	198	1	islamic	islamic	ADJ
ajiss-458	198	2	banks	bank	NOUN
ajiss-458	198	3	operate	operate	VERB
ajiss-458	198	4	primarily	primarily	ADV
ajiss-458	198	5	in	in	ADP
ajiss-458	198	6	developing	develop	VERB
ajiss-458	198	7	countries	country	NOUN
ajiss-458	198	8	,	,	PUNCT
ajiss-458	198	9	where	where	SCONJ
ajiss-458	198	10	there	there	PRON
ajiss-458	198	11	is	be	VERB
ajiss-458	198	12	a	a	DET
ajiss-458	198	13	high	high	ADJ
ajiss-458	198	14	degree	degree	NOUN
ajiss-458	198	15	of	of	ADP
ajiss-458	198	16	financial	financial	ADJ
ajiss-458	198	17	market	market	NOUN
ajiss-458	198	18	imperfection	imperfection	NOUN
ajiss-458	198	19	and	and	CCONJ
ajiss-458	198	20	a	a	DET
ajiss-458	198	21	prevailing	prevail	VERB
ajiss-458	198	22	presence	presence	NOUN
ajiss-458	198	23	of	of	ADP
ajiss-458	198	24	inefficiency	inefficiency	NOUN
ajiss-458	198	25	and	and	CCONJ
ajiss-458	198	26	corruption.34	corruption.34	NOUN
ajiss-458	198	27	the	the	DET
ajiss-458	198	28	agency	agency	NOUN
ajiss-458	198	29	problem	problem	NOUN
ajiss-458	198	30	becomes	become	VERB
ajiss-458	198	31	more	more	ADV
ajiss-458	198	32	acute	acute	ADJ
ajiss-458	198	33	when	when	SCONJ
ajiss-458	198	34	banks	bank	NOUN
ajiss-458	198	35	have	have	VERB
ajiss-458	198	36	little	little	ADJ
ajiss-458	198	37	access	access	NOUN
ajiss-458	198	38	to	to	ADP
ajiss-458	198	39	dependable	dependable	ADJ
ajiss-458	198	40	accounting	accounting	NOUN
ajiss-458	198	41	information	information	NOUN
ajiss-458	198	42	,	,	PUNCT
ajiss-458	198	43	due	due	ADP
ajiss-458	198	44	to	to	ADP
ajiss-458	198	45	a	a	DET
ajiss-458	198	46	lack	lack	NOUN
ajiss-458	198	47	of	of	ADP
ajiss-458	198	48	standardized	standardized	ADJ
ajiss-458	198	49	financial	financial	ADJ
ajiss-458	198	50	reporting	reporting	NOUN
ajiss-458	198	51	requirements	requirement	NOUN
ajiss-458	198	52	and	and	CCONJ
ajiss-458	198	53	procedures	procedure	NOUN
ajiss-458	198	54	.	.	PUNCT
ajiss-458	199	1	the	the	DET
ajiss-458	199	2	difficulties	difficulty	NOUN
ajiss-458	199	3	presented	present	VERB
ajiss-458	199	4	by	by	ADP
ajiss-458	199	5	this	this	DET
ajiss-458	199	6	agency	agency	NOUN
ajiss-458	199	7	problem	problem	NOUN
ajiss-458	199	8	,	,	PUNCT
ajiss-458	199	9	together	together	ADV
ajiss-458	199	10	with	with	ADP
ajiss-458	199	11	the	the	DET
ajiss-458	199	12	lack	lack	NOUN
ajiss-458	199	13	of	of	ADP
ajiss-458	199	14	verifiable	verifiable	ADJ
ajiss-458	199	15	financial	financial	ADJ
ajiss-458	199	16	data	datum	NOUN
ajiss-458	199	17	,	,	PUNCT
ajiss-458	199	18	complicate	complicate	VERB
ajiss-458	199	19	the	the	DET
ajiss-458	199	20	profit	profit	NOUN
ajiss-458	199	21	-	-	PUNCT
ajiss-458	199	22	sharing	share	VERB
ajiss-458	199	23	characteristics	characteristic	NOUN
ajiss-458	199	24	of	of	ADP
ajiss-458	199	25	these	these	DET
ajiss-458	199	26	forms	form	NOUN
ajiss-458	199	27	of	of	ADP
ajiss-458	199	28	islamic	islamic	ADJ
ajiss-458	199	29	financing	financing	NOUN
ajiss-458	199	30	and	and	CCONJ
ajiss-458	199	31	actually	actually	ADV
ajiss-458	199	32	encourage	encourage	VERB
ajiss-458	199	33	debt	debt	NOUN
ajiss-458	199	34	financing	financing	NOUN
ajiss-458	199	35	(	(	PUNCT
ajiss-458	199	36	e.g.	e.g.	ADV
ajiss-458	199	37	,	,	PUNCT
ajiss-458	199	38	murabahah	murabahah	NOUN
ajiss-458	199	39	and	and	CCONJ
ajiss-458	199	40	ijarah	ijarah	PROPN
ajiss-458	199	41	)	)	PUNCT
ajiss-458	199	42	over	over	ADP
ajiss-458	199	43	equity	equity	NOUN
ajiss-458	199	44	financing	financing	NOUN
ajiss-458	199	45	(	(	PUNCT
ajiss-458	199	46	e.g.	e.g.	ADV
ajiss-458	199	47	,	,	PUNCT
ajiss-458	199	48	musharakah	musharakah	NOUN
ajiss-458	199	49	and	and	CCONJ
ajiss-458	199	50	mudarabah).35	mudarabah).35	PROPN
ajiss-458	199	51	80	80	NUM
ajiss-458	199	52	the	the	DET
ajiss-458	199	53	american	american	ADJ
ajiss-458	199	54	journal	journal	PROPN
ajiss-458	199	55	of	of	ADP
ajiss-458	199	56	islamic	islamic	ADJ
ajiss-458	199	57	social	social	PROPN
ajiss-458	199	58	sciences	sciences	PROPN
ajiss-458	199	59	22:2	22:2	PROPN
ajiss-458	199	60	samad	samad	PROPN
ajiss-458	199	61	,	,	PUNCT
ajiss-458	199	62	gardner	gardner	NOUN
ajiss-458	199	63	,	,	PUNCT
ajiss-458	199	64	and	and	CCONJ
ajiss-458	199	65	cook	cook	VERB
ajiss-458	199	66	:	:	PUNCT
ajiss-458	199	67	islamic	islamic	ADJ
ajiss-458	199	68	banking	banking	NOUN
ajiss-458	199	69	and	and	CCONJ
ajiss-458	199	70	finance	finance	NOUN
ajiss-458	199	71	81	81	NUM
ajiss-458	199	72	to	to	ADP
ajiss-458	199	73	some	some	DET
ajiss-458	199	74	extent	extent	NOUN
ajiss-458	199	75	,	,	PUNCT
ajiss-458	199	76	the	the	DET
ajiss-458	199	77	agency	agency	NOUN
ajiss-458	199	78	problem	problem	NOUN
ajiss-458	199	79	in	in	ADP
ajiss-458	199	80	musharakah	musharakah	NOUN
ajiss-458	199	81	and	and	CCONJ
ajiss-458	199	82	mudarabah	mudarabah	NOUN
ajiss-458	199	83	can	can	AUX
ajiss-458	199	84	be	be	AUX
ajiss-458	199	85	reduced	reduce	VERB
ajiss-458	199	86	by	by	ADP
ajiss-458	199	87	carefully	carefully	ADV
ajiss-458	199	88	specifying	specify	VERB
ajiss-458	199	89	the	the	DET
ajiss-458	199	90	sharing	sharing	NOUN
ajiss-458	199	91	of	of	ADP
ajiss-458	199	92	profit	profit	NOUN
ajiss-458	199	93	and	and	CCONJ
ajiss-458	199	94	performance	performance	NOUN
ajiss-458	199	95	bonuses	bonus	NOUN
ajiss-458	199	96	between	between	ADP
ajiss-458	199	97	the	the	DET
ajiss-458	199	98	entrepreneur	entrepreneur	NOUN
ajiss-458	199	99	and	and	CCONJ
ajiss-458	199	100	the	the	DET
ajiss-458	199	101	bank	bank	NOUN
ajiss-458	199	102	.	.	PUNCT
ajiss-458	200	1	also	also	ADV
ajiss-458	200	2	,	,	PUNCT
ajiss-458	200	3	in	in	ADP
ajiss-458	200	4	the	the	DET
ajiss-458	200	5	case	case	NOUN
ajiss-458	200	6	of	of	ADP
ajiss-458	200	7	musharakah	musharakah	NOUN
ajiss-458	200	8	,	,	PUNCT
ajiss-458	200	9	the	the	DET
ajiss-458	200	10	bank	bank	NOUN
ajiss-458	200	11	participates	participate	VERB
ajiss-458	200	12	in	in	ADP
ajiss-458	200	13	the	the	DET
ajiss-458	200	14	election	election	NOUN
ajiss-458	200	15	of	of	ADP
ajiss-458	200	16	the	the	DET
ajiss-458	200	17	company	company	NOUN
ajiss-458	200	18	’s	’s	PART
ajiss-458	200	19	board	board	NOUN
ajiss-458	200	20	and	and	CCONJ
ajiss-458	200	21	officers	officer	NOUN
ajiss-458	200	22	,	,	PUNCT
ajiss-458	200	23	a	a	DET
ajiss-458	200	24	factor	factor	NOUN
ajiss-458	200	25	that	that	PRON
ajiss-458	200	26	should	should	AUX
ajiss-458	200	27	further	far	ADV
ajiss-458	200	28	reduce	reduce	VERB
ajiss-458	200	29	the	the	DET
ajiss-458	200	30	agency	agency	NOUN
ajiss-458	200	31	problem	problem	NOUN
ajiss-458	200	32	.	.	PUNCT
ajiss-458	201	1	ambiguity	ambiguity	NOUN
ajiss-458	201	2	in	in	ADP
ajiss-458	201	3	assets	asset	NOUN
ajiss-458	201	4	ownership	ownership	NOUN
ajiss-458	201	5	.	.	PUNCT
ajiss-458	202	1	in	in	ADP
ajiss-458	202	2	mudarabah	mudarabah	NOUN
ajiss-458	202	3	and	and	CCONJ
ajiss-458	202	4	musharakah	musharakah	PROPN
ajiss-458	202	5	,	,	PUNCT
ajiss-458	202	6	some	some	DET
ajiss-458	202	7	ambiguity	ambiguity	NOUN
ajiss-458	202	8	exists	exist	VERB
ajiss-458	202	9	concerning	concern	VERB
ajiss-458	202	10	the	the	DET
ajiss-458	202	11	title	title	NOUN
ajiss-458	202	12	to	to	ADP
ajiss-458	202	13	assets	asset	NOUN
ajiss-458	202	14	in	in	ADP
ajiss-458	202	15	case	case	NOUN
ajiss-458	202	16	of	of	ADP
ajiss-458	202	17	default	default	NOUN
ajiss-458	202	18	or	or	CCONJ
ajiss-458	202	19	dissolution	dissolution	NOUN
ajiss-458	202	20	of	of	ADP
ajiss-458	202	21	the	the	DET
ajiss-458	202	22	business	business	NOUN
ajiss-458	202	23	.	.	PUNCT
ajiss-458	203	1	under	under	ADP
ajiss-458	203	2	murabahah	murabahah	NOUN
ajiss-458	203	3	and	and	CCONJ
ajiss-458	203	4	ijarah	ijarah	PROPN
ajiss-458	203	5	,	,	PUNCT
ajiss-458	203	6	there	there	PRON
ajiss-458	203	7	is	be	VERB
ajiss-458	203	8	no	no	DET
ajiss-458	203	9	such	such	ADJ
ajiss-458	203	10	ambiguity	ambiguity	NOUN
ajiss-458	203	11	.	.	PUNCT
ajiss-458	204	1	in	in	ADP
ajiss-458	204	2	these	these	DET
ajiss-458	204	3	debt	debt	NOUN
ajiss-458	204	4	-	-	PUNCT
ajiss-458	204	5	type	type	NOUN
ajiss-458	204	6	contracts	contract	NOUN
ajiss-458	204	7	,	,	PUNCT
ajiss-458	204	8	title	title	NOUN
ajiss-458	204	9	to	to	ADP
ajiss-458	204	10	the	the	DET
ajiss-458	204	11	assets	asset	NOUN
ajiss-458	204	12	clearly	clearly	ADV
ajiss-458	204	13	remains	remain	VERB
ajiss-458	204	14	with	with	ADP
ajiss-458	204	15	the	the	DET
ajiss-458	204	16	bank	bank	NOUN
ajiss-458	204	17	until	until	SCONJ
ajiss-458	204	18	all	all	DET
ajiss-458	204	19	payments	payment	NOUN
ajiss-458	204	20	have	have	AUX
ajiss-458	204	21	been	be	AUX
ajiss-458	204	22	made	make	VERB
ajiss-458	204	23	.	.	PUNCT
ajiss-458	205	1	under	under	ADP
ajiss-458	205	2	a	a	DET
ajiss-458	205	3	pls	pls	NOUN
ajiss-458	205	4	contract	contract	NOUN
ajiss-458	205	5	,	,	PUNCT
ajiss-458	205	6	however	however	ADV
ajiss-458	205	7	,	,	PUNCT
ajiss-458	205	8	banks	bank	NOUN
ajiss-458	205	9	have	have	VERB
ajiss-458	205	10	no	no	DET
ajiss-458	205	11	direct	direct	ADJ
ajiss-458	205	12	claim	claim	NOUN
ajiss-458	205	13	on	on	ADP
ajiss-458	205	14	the	the	DET
ajiss-458	205	15	financed	finance	VERB
ajiss-458	205	16	assets	asset	NOUN
ajiss-458	205	17	.	.	PUNCT
ajiss-458	206	1	as	as	ADP
ajiss-458	206	2	a	a	DET
ajiss-458	206	3	result	result	NOUN
ajiss-458	206	4	,	,	PUNCT
ajiss-458	206	5	it	it	PRON
ajiss-458	206	6	is	be	AUX
ajiss-458	206	7	rational	rational	ADJ
ajiss-458	206	8	for	for	SCONJ
ajiss-458	206	9	banks	bank	NOUN
ajiss-458	206	10	to	to	PART
ajiss-458	206	11	opt	opt	VERB
ajiss-458	206	12	for	for	ADP
ajiss-458	206	13	murabahah	murabahah	NOUN
ajiss-458	206	14	and	and	CCONJ
ajiss-458	206	15	ijarah	ijarah	NOUN
ajiss-458	206	16	contracts	contract	NOUN
ajiss-458	206	17	instead	instead	ADV
ajiss-458	206	18	of	of	ADP
ajiss-458	206	19	mudarabah	mudarabah	NOUN
ajiss-458	206	20	and	and	CCONJ
ajiss-458	206	21	musharakah	musharakah	PROPN
ajiss-458	206	22	contracts	contract	NOUN
ajiss-458	206	23	.	.	PUNCT
ajiss-458	207	1	in	in	ADP
ajiss-458	207	2	order	order	NOUN
ajiss-458	207	3	to	to	PART
ajiss-458	207	4	partially	partially	ADV
ajiss-458	207	5	offset	offset	VERB
ajiss-458	207	6	the	the	DET
ajiss-458	207	7	increased	increase	VERB
ajiss-458	207	8	risk	risk	NOUN
ajiss-458	207	9	of	of	ADP
ajiss-458	207	10	musharakah	musharakah	NOUN
ajiss-458	207	11	and	and	CCONJ
ajiss-458	207	12	mudarabah	mudarabah	NOUN
ajiss-458	207	13	contracts	contract	NOUN
ajiss-458	207	14	,	,	PUNCT
ajiss-458	207	15	the	the	DET
ajiss-458	207	16	business	business	NOUN
ajiss-458	207	17	assets	asset	NOUN
ajiss-458	207	18	could	could	AUX
ajiss-458	207	19	be	be	AUX
ajiss-458	207	20	registered	register	VERB
ajiss-458	207	21	under	under	ADP
ajiss-458	207	22	the	the	DET
ajiss-458	207	23	joint	joint	ADJ
ajiss-458	207	24	or	or	CCONJ
ajiss-458	207	25	co	co	NOUN
ajiss-458	207	26	-	-	NOUN
ajiss-458	207	27	ownership	ownership	NOUN
ajiss-458	207	28	concept	concept	NOUN
ajiss-458	207	29	provided	provide	VERB
ajiss-458	207	30	by	by	ADP
ajiss-458	207	31	a	a	DET
ajiss-458	207	32	partnership	partnership	NOUN
ajiss-458	207	33	or	or	CCONJ
ajiss-458	207	34	corporation	corporation	NOUN
ajiss-458	207	35	arrangement	arrangement	NOUN
ajiss-458	207	36	.	.	PUNCT
ajiss-458	208	1	it	it	PRON
ajiss-458	208	2	should	should	AUX
ajiss-458	208	3	be	be	AUX
ajiss-458	208	4	noted	note	VERB
ajiss-458	208	5	here	here	ADV
ajiss-458	208	6	that	that	SCONJ
ajiss-458	208	7	a	a	DET
ajiss-458	208	8	western	western	ADJ
ajiss-458	208	9	debt	debt	NOUN
ajiss-458	208	10	contract	contract	NOUN
ajiss-458	208	11	contains	contain	VERB
ajiss-458	208	12	a	a	DET
ajiss-458	208	13	considerable	considerable	ADJ
ajiss-458	208	14	amount	amount	NOUN
ajiss-458	208	15	of	of	ADP
ajiss-458	208	16	ambiguity	ambiguity	NOUN
ajiss-458	208	17	over	over	ADP
ajiss-458	208	18	just	just	ADV
ajiss-458	208	19	who	who	PRON
ajiss-458	208	20	controls	control	VERB
ajiss-458	208	21	the	the	DET
ajiss-458	208	22	assets	asset	NOUN
ajiss-458	208	23	in	in	ADP
ajiss-458	208	24	the	the	DET
ajiss-458	208	25	case	case	NOUN
ajiss-458	208	26	of	of	ADP
ajiss-458	208	27	default	default	NOUN
ajiss-458	208	28	.	.	PUNCT
ajiss-458	209	1	in	in	ADP
ajiss-458	209	2	western	western	ADJ
ajiss-458	209	3	countries	country	NOUN
ajiss-458	209	4	,	,	PUNCT
ajiss-458	209	5	default	default	NOUN
ajiss-458	209	6	triggers	trigger	NOUN
ajiss-458	209	7	bankruptcy	bankruptcy	NOUN
ajiss-458	209	8	proceedings	proceeding	NOUN
ajiss-458	209	9	,	,	PUNCT
ajiss-458	209	10	during	during	ADP
ajiss-458	209	11	which	which	PRON
ajiss-458	209	12	the	the	DET
ajiss-458	209	13	entrepreneurs	entrepreneur	NOUN
ajiss-458	209	14	and	and	CCONJ
ajiss-458	209	15	the	the	DET
ajiss-458	209	16	managers	manager	NOUN
ajiss-458	209	17	may	may	AUX
ajiss-458	209	18	continue	continue	VERB
ajiss-458	209	19	to	to	PART
ajiss-458	209	20	control	control	VERB
ajiss-458	209	21	the	the	DET
ajiss-458	209	22	assets	asset	NOUN
ajiss-458	209	23	of	of	ADP
ajiss-458	209	24	the	the	DET
ajiss-458	209	25	business	business	NOUN
ajiss-458	209	26	.	.	PUNCT
ajiss-458	210	1	in	in	ADP
ajiss-458	210	2	contrast	contrast	NOUN
ajiss-458	210	3	,	,	PUNCT
ajiss-458	210	4	there	there	PRON
ajiss-458	210	5	is	be	VERB
ajiss-458	210	6	no	no	DET
ajiss-458	210	7	such	such	ADJ
ajiss-458	210	8	ambiguity	ambiguity	NOUN
ajiss-458	210	9	in	in	ADP
ajiss-458	210	10	the	the	DET
ajiss-458	210	11	case	case	NOUN
ajiss-458	210	12	of	of	ADP
ajiss-458	210	13	murabahah	murabahah	NOUN
ajiss-458	210	14	and	and	CCONJ
ajiss-458	210	15	ijarah	ijarah	NOUN
ajiss-458	210	16	contracts	contract	NOUN
ajiss-458	210	17	:	:	PUNCT
ajiss-458	210	18	the	the	DET
ajiss-458	210	19	bank	bank	NOUN
ajiss-458	210	20	may	may	AUX
ajiss-458	210	21	seize	seize	VERB
ajiss-458	210	22	the	the	DET
ajiss-458	210	23	assets	asset	NOUN
ajiss-458	210	24	immediately	immediately	ADV
ajiss-458	210	25	.	.	PUNCT
ajiss-458	211	1	contract	contract	NOUN
ajiss-458	211	2	maturity	maturity	NOUN
ajiss-458	211	3	.	.	PUNCT
ajiss-458	212	1	contrary	contrary	ADJ
ajiss-458	212	2	to	to	PART
ajiss-458	212	3	mudarabah	mudarabah	NOUN
ajiss-458	212	4	and	and	CCONJ
ajiss-458	212	5	musharakah	musharakah	PROPN
ajiss-458	212	6	,	,	PUNCT
ajiss-458	212	7	murabahah	murabahah	NOUN
ajiss-458	212	8	financing	financing	NOUN
ajiss-458	212	9	constitutes	constitute	VERB
ajiss-458	212	10	a	a	DET
ajiss-458	212	11	shorter	short	ADJ
ajiss-458	212	12	term	term	NOUN
ajiss-458	212	13	,	,	PUNCT
ajiss-458	212	14	lower	low	ADJ
ajiss-458	212	15	risk	risk	NOUN
ajiss-458	212	16	investment	investment	NOUN
ajiss-458	212	17	for	for	ADP
ajiss-458	212	18	the	the	DET
ajiss-458	212	19	bank	bank	NOUN
ajiss-458	212	20	.	.	PUNCT
ajiss-458	213	1	this	this	DET
ajiss-458	213	2	form	form	NOUN
ajiss-458	213	3	of	of	ADP
ajiss-458	213	4	financing	financing	NOUN
ajiss-458	213	5	involves	involve	VERB
ajiss-458	213	6	buying	buy	VERB
ajiss-458	213	7	goods	good	NOUN
ajiss-458	213	8	at	at	ADP
ajiss-458	213	9	a	a	DET
ajiss-458	213	10	low	low	ADJ
ajiss-458	213	11	price	price	NOUN
ajiss-458	213	12	and	and	CCONJ
ajiss-458	213	13	selling	sell	VERB
ajiss-458	213	14	them	they	PRON
ajiss-458	213	15	immediately	immediately	ADV
ajiss-458	213	16	at	at	ADP
ajiss-458	213	17	a	a	DET
ajiss-458	213	18	higher	high	ADJ
ajiss-458	213	19	price	price	NOUN
ajiss-458	213	20	.	.	PUNCT
ajiss-458	214	1	such	such	ADJ
ajiss-458	214	2	contracts	contract	NOUN
ajiss-458	214	3	require	require	VERB
ajiss-458	214	4	a	a	DET
ajiss-458	214	5	specific	specific	ADJ
ajiss-458	214	6	payment	payment	NOUN
ajiss-458	214	7	schedule	schedule	NOUN
ajiss-458	214	8	with	with	ADP
ajiss-458	214	9	known	know	VERB
ajiss-458	214	10	maturities	maturity	NOUN
ajiss-458	214	11	.	.	PUNCT
ajiss-458	215	1	in	in	ADP
ajiss-458	215	2	contrast	contrast	NOUN
ajiss-458	215	3	,	,	PUNCT
ajiss-458	215	4	the	the	DET
ajiss-458	215	5	equity	equity	NOUN
ajiss-458	215	6	nature	nature	NOUN
ajiss-458	215	7	of	of	ADP
ajiss-458	215	8	mudarabah	mudarabah	NOUN
ajiss-458	215	9	and	and	CCONJ
ajiss-458	215	10	musharakah	musharakah	PROPN
ajiss-458	215	11	contracts	contract	NOUN
ajiss-458	215	12	results	result	NOUN
ajiss-458	215	13	in	in	ADP
ajiss-458	215	14	longer	long	ADJ
ajiss-458	215	15	term	term	NOUN
ajiss-458	215	16	,	,	PUNCT
ajiss-458	215	17	more	more	ADV
ajiss-458	215	18	uncertain	uncertain	ADJ
ajiss-458	215	19	maturities	maturity	NOUN
ajiss-458	215	20	for	for	ADP
ajiss-458	215	21	these	these	DET
ajiss-458	215	22	investments	investment	NOUN
ajiss-458	215	23	.	.	PUNCT
ajiss-458	216	1	these	these	DET
ajiss-458	216	2	differing	differ	VERB
ajiss-458	216	3	risk	risk	NOUN
ajiss-458	216	4	characteristics	characteristic	NOUN
ajiss-458	216	5	may	may	AUX
ajiss-458	216	6	bias	bias	VERB
ajiss-458	216	7	the	the	DET
ajiss-458	216	8	islamic	islamic	PROPN
ajiss-458	216	9	bank	bank	PROPN
ajiss-458	216	10	against	against	ADP
ajiss-458	216	11	mudarabah	mudarabah	NOUN
ajiss-458	216	12	and	and	CCONJ
ajiss-458	216	13	musharakah	musharakah	PROPN
ajiss-458	216	14	financing	financing	NOUN
ajiss-458	216	15	.	.	PUNCT
ajiss-458	217	1	primary	primary	ADJ
ajiss-458	217	2	data	datum	NOUN
ajiss-458	217	3	collected	collect	VERB
ajiss-458	217	4	by	by	ADP
ajiss-458	217	5	samad	samad	PROPN
ajiss-458	217	6	and	and	CCONJ
ajiss-458	217	7	hassan36	hassan36	NOUN
ajiss-458	217	8	from	from	ADP
ajiss-458	217	9	the	the	DET
ajiss-458	217	10	malaysian	malaysian	ADJ
ajiss-458	217	11	islamic	islamic	PROPN
ajiss-458	217	12	bank	bank	PROPN
ajiss-458	217	13	(	(	PUNCT
ajiss-458	217	14	berhad	berhad	PROPN
ajiss-458	217	15	)	)	PUNCT
ajiss-458	217	16	support	support	NOUN
ajiss-458	217	17	this	this	DET
ajiss-458	217	18	finding	finding	NOUN
ajiss-458	217	19	.	.	PUNCT
ajiss-458	218	1	privacy	privacy	NOUN
ajiss-458	218	2	and	and	CCONJ
ajiss-458	218	3	confidentiality	confidentiality	NOUN
ajiss-458	218	4	.	.	PUNCT
ajiss-458	219	1	entrepreneurs	entrepreneur	NOUN
ajiss-458	219	2	are	be	AUX
ajiss-458	219	3	,	,	PUNCT
ajiss-458	219	4	in	in	ADP
ajiss-458	219	5	general	general	ADJ
ajiss-458	219	6	,	,	PUNCT
ajiss-458	219	7	independent	independent	ADJ
ajiss-458	219	8	,	,	PUNCT
ajiss-458	219	9	free	free	ADJ
ajiss-458	219	10	-	-	PUNCT
ajiss-458	219	11	spirited	spirited	ADJ
ajiss-458	219	12	people	people	NOUN
ajiss-458	219	13	who	who	PRON
ajiss-458	219	14	jealously	jealously	ADV
ajiss-458	219	15	guard	guard	VERB
ajiss-458	219	16	their	their	PRON
ajiss-458	219	17	proprietary	proprietary	ADJ
ajiss-458	219	18	information	information	NOUN
ajiss-458	219	19	.	.	PUNCT
ajiss-458	220	1	since	since	SCONJ
ajiss-458	220	2	joint	joint	ADJ
ajiss-458	220	3	management	management	NOUN
ajiss-458	220	4	and	and	CCONJ
ajiss-458	220	5	supervision	supervision	NOUN
ajiss-458	220	6	are	be	AUX
ajiss-458	220	7	important	important	ADJ
ajiss-458	220	8	characteristics	characteristic	NOUN
ajiss-458	220	9	of	of	ADP
ajiss-458	220	10	musharakah	musharakah	ADJ
ajiss-458	220	11	financing	financing	NOUN
ajiss-458	220	12	,	,	PUNCT
ajiss-458	220	13	entrepreneurs	entrepreneur	NOUN
ajiss-458	220	14	may	may	AUX
ajiss-458	220	15	not	not	PART
ajiss-458	220	16	view	view	VERB
ajiss-458	220	17	such	such	ADJ
ajiss-458	220	18	requirements	requirement	NOUN
ajiss-458	220	19	pos82	pos82	PROPN
ajiss-458	220	20	the	the	DET
ajiss-458	220	21	american	american	PROPN
ajiss-458	220	22	journal	journal	PROPN
ajiss-458	220	23	of	of	ADP
ajiss-458	220	24	islamic	islamic	ADJ
ajiss-458	220	25	social	social	ADJ
ajiss-458	220	26	sciences	science	NOUN
ajiss-458	220	27	22:2	22:2	NUM
ajiss-458	220	28	itively	itively	ADV
ajiss-458	220	29	.	.	PUNCT
ajiss-458	221	1	nevertheless	nevertheless	ADV
ajiss-458	221	2	,	,	PUNCT
ajiss-458	221	3	both	both	PRON
ajiss-458	221	4	mudarabah	mudarabah	NOUN
ajiss-458	221	5	and	and	CCONJ
ajiss-458	221	6	musharakah	musharakah	PROPN
ajiss-458	221	7	require	require	VERB
ajiss-458	221	8	that	that	SCONJ
ajiss-458	221	9	the	the	DET
ajiss-458	221	10	bank	bank	NOUN
ajiss-458	221	11	be	be	AUX
ajiss-458	221	12	given	give	VERB
ajiss-458	221	13	detailed	detailed	ADJ
ajiss-458	221	14	knowledge	knowledge	NOUN
ajiss-458	221	15	of	of	ADP
ajiss-458	221	16	how	how	SCONJ
ajiss-458	221	17	the	the	DET
ajiss-458	221	18	businesses	business	NOUN
ajiss-458	221	19	they	they	PRON
ajiss-458	221	20	finance	finance	VERB
ajiss-458	221	21	operate	operate	VERB
ajiss-458	221	22	and	and	CCONJ
ajiss-458	221	23	be	be	AUX
ajiss-458	221	24	allowed	allow	VERB
ajiss-458	221	25	to	to	PART
ajiss-458	221	26	participate	participate	VERB
ajiss-458	221	27	in	in	ADP
ajiss-458	221	28	all	all	DET
ajiss-458	221	29	management	management	NOUN
ajiss-458	221	30	decisions	decision	NOUN
ajiss-458	221	31	.	.	PUNCT
ajiss-458	222	1	this	this	DET
ajiss-458	222	2	situation	situation	NOUN
ajiss-458	222	3	is	be	AUX
ajiss-458	222	4	likely	likely	ADJ
ajiss-458	222	5	to	to	PART
ajiss-458	222	6	cause	cause	VERB
ajiss-458	222	7	concern	concern	NOUN
ajiss-458	222	8	among	among	ADP
ajiss-458	222	9	those	those	DET
ajiss-458	222	10	entrepreneurs	entrepreneur	NOUN
ajiss-458	222	11	who	who	PRON
ajiss-458	222	12	prefer	prefer	VERB
ajiss-458	222	13	to	to	PART
ajiss-458	222	14	keep	keep	VERB
ajiss-458	222	15	the	the	DET
ajiss-458	222	16	details	detail	NOUN
ajiss-458	222	17	of	of	ADP
ajiss-458	222	18	their	their	PRON
ajiss-458	222	19	business	business	NOUN
ajiss-458	222	20	operations	operation	NOUN
ajiss-458	222	21	private	private	ADJ
ajiss-458	222	22	.	.	PUNCT
ajiss-458	223	1	information	information	NOUN
ajiss-458	223	2	on	on	ADP
ajiss-458	223	3	operating	operating	NOUN
ajiss-458	223	4	procedures	procedure	NOUN
ajiss-458	223	5	and	and	CCONJ
ajiss-458	223	6	the	the	DET
ajiss-458	223	7	degree	degree	NOUN
ajiss-458	223	8	of	of	ADP
ajiss-458	223	9	profitability	profitability	NOUN
ajiss-458	223	10	is	be	AUX
ajiss-458	223	11	not	not	PART
ajiss-458	223	12	usually	usually	ADV
ajiss-458	223	13	shared	share	VERB
ajiss-458	223	14	willingly	willingly	ADV
ajiss-458	223	15	by	by	ADP
ajiss-458	223	16	entrepreneurs	entrepreneur	NOUN
ajiss-458	223	17	,	,	PUNCT
ajiss-458	223	18	who	who	PRON
ajiss-458	223	19	are	be	AUX
ajiss-458	223	20	concerned	concerned	ADJ
ajiss-458	223	21	about	about	ADP
ajiss-458	223	22	competitors	competitor	NOUN
ajiss-458	223	23	entering	enter	VERB
ajiss-458	223	24	the	the	DET
ajiss-458	223	25	marketplace	marketplace	NOUN
ajiss-458	223	26	.	.	PUNCT
ajiss-458	224	1	such	such	ADJ
ajiss-458	224	2	concerns	concern	NOUN
ajiss-458	224	3	may	may	AUX
ajiss-458	224	4	well	well	ADV
ajiss-458	224	5	decrease	decrease	VERB
ajiss-458	224	6	the	the	DET
ajiss-458	224	7	demand	demand	NOUN
ajiss-458	224	8	for	for	ADP
ajiss-458	224	9	mudarabah	mudarabah	NOUN
ajiss-458	224	10	and	and	CCONJ
ajiss-458	224	11	musharakah	musharakah	PROPN
ajiss-458	224	12	financing	financing	NOUN
ajiss-458	224	13	.	.	PUNCT
ajiss-458	225	1	biased	bias	VERB
ajiss-458	225	2	bank	bank	NOUN
ajiss-458	225	3	personnel	personnel	NOUN
ajiss-458	225	4	.	.	PUNCT
ajiss-458	226	1	another	another	DET
ajiss-458	226	2	possible	possible	ADJ
ajiss-458	226	3	impediment	impediment	NOUN
ajiss-458	226	4	to	to	ADP
ajiss-458	226	5	a	a	DET
ajiss-458	226	6	more	more	ADV
ajiss-458	226	7	rapid	rapid	ADJ
ajiss-458	226	8	growth	growth	NOUN
ajiss-458	226	9	of	of	ADP
ajiss-458	226	10	mudarabah	mudarabah	NOUN
ajiss-458	226	11	and	and	CCONJ
ajiss-458	226	12	musharakah	musharakah	NOUN
ajiss-458	226	13	may	may	AUX
ajiss-458	226	14	lie	lie	VERB
ajiss-458	226	15	with	with	ADP
ajiss-458	226	16	the	the	DET
ajiss-458	226	17	islamic	islamic	PROPN
ajiss-458	226	18	bank	bank	PROPN
ajiss-458	226	19	managers	manager	NOUN
ajiss-458	226	20	themselves	themselves	PRON
ajiss-458	226	21	.	.	PUNCT
ajiss-458	227	1	islamic	islamic	ADJ
ajiss-458	227	2	banks	bank	NOUN
ajiss-458	227	3	are	be	AUX
ajiss-458	227	4	currently	currently	ADV
ajiss-458	227	5	managed	manage	VERB
ajiss-458	227	6	by	by	ADP
ajiss-458	227	7	people	people	NOUN
ajiss-458	227	8	who	who	PRON
ajiss-458	227	9	have	have	AUX
ajiss-458	227	10	been	be	AUX
ajiss-458	227	11	educated	educate	VERB
ajiss-458	227	12	and	and	CCONJ
ajiss-458	227	13	trained	train	VERB
ajiss-458	227	14	in	in	ADP
ajiss-458	227	15	the	the	DET
ajiss-458	227	16	conventional	conventional	ADJ
ajiss-458	227	17	banking	banking	NOUN
ajiss-458	227	18	system	system	NOUN
ajiss-458	227	19	.	.	PUNCT
ajiss-458	228	1	thus	thus	ADV
ajiss-458	228	2	,	,	PUNCT
ajiss-458	228	3	more	more	ADJ
ajiss-458	228	4	time	time	NOUN
ajiss-458	228	5	may	may	AUX
ajiss-458	228	6	be	be	AUX
ajiss-458	228	7	required	require	VERB
ajiss-458	228	8	for	for	ADP
ajiss-458	228	9	the	the	DET
ajiss-458	228	10	unique	unique	ADJ
ajiss-458	228	11	characteristics	characteristic	NOUN
ajiss-458	228	12	of	of	ADP
ajiss-458	228	13	islamic	islamic	ADJ
ajiss-458	228	14	financial	financial	ADJ
ajiss-458	228	15	instruments	instrument	NOUN
ajiss-458	228	16	to	to	PART
ajiss-458	228	17	be	be	AUX
ajiss-458	228	18	completely	completely	ADV
ajiss-458	228	19	accepted	accept	VERB
ajiss-458	228	20	and	and	CCONJ
ajiss-458	228	21	understood	understand	VERB
ajiss-458	228	22	by	by	ADP
ajiss-458	228	23	both	both	DET
ajiss-458	228	24	bank	bank	NOUN
ajiss-458	228	25	personnel	personnel	NOUN
ajiss-458	228	26	and	and	CCONJ
ajiss-458	228	27	customers	customer	NOUN
ajiss-458	228	28	.	.	PUNCT
ajiss-458	229	1	a	a	DET
ajiss-458	229	2	similar	similar	ADJ
ajiss-458	229	3	observation	observation	NOUN
ajiss-458	229	4	is	be	AUX
ajiss-458	229	5	found	find	VERB
ajiss-458	229	6	in	in	ADP
ajiss-458	229	7	the	the	DET
ajiss-458	229	8	study	study	NOUN
ajiss-458	229	9	by	by	ADP
ajiss-458	229	10	maniam	maniam	PROPN
ajiss-458	229	11	,	,	PUNCT
ajiss-458	229	12	bexley	bexley	NOUN
ajiss-458	229	13	,	,	PUNCT
ajiss-458	229	14	and	and	CCONJ
ajiss-458	229	15	james.37	james.37	VERB
ajiss-458	229	16	investment	investment	NOUN
ajiss-458	229	17	constraints	constraint	NOUN
ajiss-458	229	18	.	.	PUNCT
ajiss-458	230	1	as	as	SCONJ
ajiss-458	230	2	noted	note	VERB
ajiss-458	230	3	earlier	early	ADV
ajiss-458	230	4	,	,	PUNCT
ajiss-458	230	5	the	the	DET
ajiss-458	230	6	shari`ah	shari`ah	PROPN
ajiss-458	230	7	restricts	restrict	VERB
ajiss-458	230	8	the	the	DET
ajiss-458	230	9	type	type	NOUN
ajiss-458	230	10	of	of	ADP
ajiss-458	230	11	businesses	business	NOUN
ajiss-458	230	12	for	for	ADP
ajiss-458	230	13	which	which	PRON
ajiss-458	230	14	islamic	islamic	ADJ
ajiss-458	230	15	banks	bank	NOUN
ajiss-458	230	16	can	can	AUX
ajiss-458	230	17	provide	provide	VERB
ajiss-458	230	18	financing	financing	NOUN
ajiss-458	230	19	.	.	PUNCT
ajiss-458	231	1	for	for	ADP
ajiss-458	231	2	example	example	NOUN
ajiss-458	231	3	,	,	PUNCT
ajiss-458	231	4	they	they	PRON
ajiss-458	231	5	are	be	AUX
ajiss-458	231	6	not	not	PART
ajiss-458	231	7	permitted	permit	VERB
ajiss-458	231	8	to	to	PART
ajiss-458	231	9	participate	participate	VERB
ajiss-458	231	10	in	in	ADP
ajiss-458	231	11	certain	certain	ADJ
ajiss-458	231	12	prohibited	prohibit	VERB
ajiss-458	231	13	investments	investment	NOUN
ajiss-458	231	14	or	or	CCONJ
ajiss-458	231	15	joint	joint	ADJ
ajiss-458	231	16	venture	venture	NOUN
ajiss-458	231	17	projects	project	NOUN
ajiss-458	231	18	considered	consider	VERB
ajiss-458	231	19	to	to	PART
ajiss-458	231	20	be	be	AUX
ajiss-458	231	21	detrimental	detrimental	ADJ
ajiss-458	231	22	to	to	ADP
ajiss-458	231	23	the	the	DET
ajiss-458	231	24	individual	individual	ADJ
ajiss-458	231	25	,	,	PUNCT
ajiss-458	231	26	society	society	NOUN
ajiss-458	231	27	,	,	PUNCT
ajiss-458	231	28	or	or	CCONJ
ajiss-458	231	29	the	the	DET
ajiss-458	231	30	environment	environment	NOUN
ajiss-458	231	31	.	.	PUNCT
ajiss-458	232	1	as	as	ADP
ajiss-458	232	2	a	a	DET
ajiss-458	232	3	result	result	NOUN
ajiss-458	232	4	,	,	PUNCT
ajiss-458	232	5	the	the	DET
ajiss-458	232	6	scope	scope	NOUN
ajiss-458	232	7	of	of	ADP
ajiss-458	232	8	mudarabah	mudarabah	NOUN
ajiss-458	232	9	and	and	CCONJ
ajiss-458	232	10	musharakah	musharakah	PROPN
ajiss-458	232	11	for	for	ADP
ajiss-458	232	12	islamic	islamic	ADJ
ajiss-458	232	13	banks	bank	NOUN
ajiss-458	232	14	is	be	AUX
ajiss-458	232	15	somewhat	somewhat	ADV
ajiss-458	232	16	more	more	ADV
ajiss-458	232	17	limited	limited	ADJ
ajiss-458	232	18	than	than	SCONJ
ajiss-458	232	19	it	it	PRON
ajiss-458	232	20	is	be	AUX
ajiss-458	232	21	for	for	ADP
ajiss-458	232	22	conventional	conventional	ADJ
ajiss-458	232	23	banks	bank	NOUN
ajiss-458	232	24	.	.	PUNCT
ajiss-458	233	1	a	a	DET
ajiss-458	233	2	long	long	ADJ
ajiss-458	233	3	record	record	NOUN
ajiss-458	233	4	of	of	ADP
ajiss-458	233	5	established	establish	VERB
ajiss-458	233	6	relations	relation	NOUN
ajiss-458	233	7	.	.	PUNCT
ajiss-458	234	1	even	even	ADV
ajiss-458	234	2	though	though	SCONJ
ajiss-458	234	3	muslims	muslim	NOUN
ajiss-458	234	4	throughout	throughout	ADP
ajiss-458	234	5	the	the	DET
ajiss-458	234	6	world	world	NOUN
ajiss-458	234	7	could	could	AUX
ajiss-458	234	8	be	be	AUX
ajiss-458	234	9	expected	expect	VERB
ajiss-458	234	10	to	to	PART
ajiss-458	234	11	prefer	prefer	VERB
ajiss-458	234	12	to	to	PART
ajiss-458	234	13	deal	deal	VERB
ajiss-458	234	14	with	with	ADP
ajiss-458	234	15	an	an	DET
ajiss-458	234	16	islamic	islamic	ADJ
ajiss-458	234	17	bank	bank	NOUN
ajiss-458	234	18	for	for	ADP
ajiss-458	234	19	purely	purely	ADV
ajiss-458	234	20	religious	religious	ADJ
ajiss-458	234	21	reasons	reason	NOUN
ajiss-458	234	22	,	,	PUNCT
ajiss-458	234	23	the	the	DET
ajiss-458	234	24	fact	fact	NOUN
ajiss-458	234	25	is	be	AUX
ajiss-458	234	26	that	that	SCONJ
ajiss-458	234	27	prior	prior	ADV
ajiss-458	234	28	to	to	ADP
ajiss-458	234	29	the	the	DET
ajiss-458	234	30	1970s	1970	NOUN
ajiss-458	234	31	,	,	PUNCT
ajiss-458	234	32	when	when	SCONJ
ajiss-458	234	33	no	no	DET
ajiss-458	234	34	islamic	islamic	ADJ
ajiss-458	234	35	banks	bank	NOUN
ajiss-458	234	36	were	be	AUX
ajiss-458	234	37	available	available	ADJ
ajiss-458	234	38	,	,	PUNCT
ajiss-458	234	39	they	they	PRON
ajiss-458	234	40	dealt	deal	VERB
ajiss-458	234	41	with	with	ADP
ajiss-458	234	42	conventional	conventional	ADJ
ajiss-458	234	43	banks	bank	NOUN
ajiss-458	234	44	.	.	PUNCT
ajiss-458	235	1	thus	thus	ADV
ajiss-458	235	2	,	,	PUNCT
ajiss-458	235	3	banking	banking	NOUN
ajiss-458	235	4	relationships	relationship	NOUN
ajiss-458	235	5	have	have	AUX
ajiss-458	235	6	already	already	ADV
ajiss-458	235	7	been	be	AUX
ajiss-458	235	8	established	establish	VERB
ajiss-458	235	9	and	and	CCONJ
ajiss-458	235	10	,	,	PUNCT
ajiss-458	235	11	except	except	SCONJ
ajiss-458	235	12	for	for	ADP
ajiss-458	235	13	that	that	DET
ajiss-458	235	14	segment	segment	NOUN
ajiss-458	235	15	of	of	ADP
ajiss-458	235	16	the	the	DET
ajiss-458	235	17	banking	banking	NOUN
ajiss-458	235	18	community	community	NOUN
ajiss-458	235	19	that	that	PRON
ajiss-458	235	20	is	be	AUX
ajiss-458	235	21	so	so	ADV
ajiss-458	235	22	religious	religious	ADJ
ajiss-458	235	23	that	that	SCONJ
ajiss-458	235	24	its	its	PRON
ajiss-458	235	25	members	member	NOUN
ajiss-458	235	26	could	could	AUX
ajiss-458	235	27	be	be	AUX
ajiss-458	235	28	expected	expect	VERB
ajiss-458	235	29	to	to	PART
ajiss-458	235	30	transfer	transfer	VERB
ajiss-458	235	31	all	all	PRON
ajiss-458	235	32	of	of	ADP
ajiss-458	235	33	their	their	PRON
ajiss-458	235	34	banking	banking	NOUN
ajiss-458	235	35	transactions	transaction	NOUN
ajiss-458	235	36	to	to	ADP
ajiss-458	235	37	the	the	DET
ajiss-458	235	38	first	first	ADJ
ajiss-458	235	39	available	available	ADJ
ajiss-458	235	40	islamic	islamic	PROPN
ajiss-458	235	41	bank	bank	PROPN
ajiss-458	235	42	,	,	PUNCT
ajiss-458	235	43	others	other	NOUN
ajiss-458	235	44	who	who	PRON
ajiss-458	235	45	would	would	AUX
ajiss-458	235	46	prefer	prefer	VERB
ajiss-458	235	47	the	the	DET
ajiss-458	235	48	islamic	islamic	PROPN
ajiss-458	235	49	bank	bank	PROPN
ajiss-458	235	50	(	(	PUNCT
ajiss-458	235	51	if	if	SCONJ
ajiss-458	235	52	all	all	DET
ajiss-458	235	53	else	else	ADV
ajiss-458	235	54	were	be	AUX
ajiss-458	235	55	equal	equal	ADJ
ajiss-458	235	56	)	)	PUNCT
ajiss-458	235	57	may	may	AUX
ajiss-458	235	58	base	base	VERB
ajiss-458	235	59	such	such	ADJ
ajiss-458	235	60	decisions	decision	NOUN
ajiss-458	235	61	more	more	ADV
ajiss-458	235	62	on	on	ADP
ajiss-458	235	63	the	the	DET
ajiss-458	235	64	relative	relative	ADJ
ajiss-458	235	65	economic	economic	ADJ
ajiss-458	235	66	advantage	advantage	NOUN
ajiss-458	235	67	to	to	ADP
ajiss-458	235	68	them	they	PRON
ajiss-458	235	69	as	as	ADP
ajiss-458	235	70	consumers	consumer	NOUN
ajiss-458	235	71	.	.	PUNCT
ajiss-458	236	1	therefore	therefore	ADV
ajiss-458	236	2	,	,	PUNCT
ajiss-458	236	3	it	it	PRON
ajiss-458	236	4	would	would	AUX
ajiss-458	236	5	seem	seem	VERB
ajiss-458	236	6	incumbent	incumbent	ADJ
ajiss-458	236	7	upon	upon	SCONJ
ajiss-458	236	8	islamic	islamic	ADJ
ajiss-458	236	9	banks	bank	NOUN
ajiss-458	236	10	to	to	PART
ajiss-458	236	11	price	price	VERB
ajiss-458	236	12	their	their	PRON
ajiss-458	236	13	instruments	instrument	NOUN
ajiss-458	236	14	in	in	ADP
ajiss-458	236	15	a	a	DET
ajiss-458	236	16	way	way	NOUN
ajiss-458	236	17	that	that	PRON
ajiss-458	236	18	the	the	DET
ajiss-458	236	19	customers	customer	NOUN
ajiss-458	236	20	’	’	PART
ajiss-458	236	21	net	net	ADJ
ajiss-458	236	22	position	position	NOUN
ajiss-458	236	23	is	be	AUX
ajiss-458	236	24	as	as	ADV
ajiss-458	236	25	current	current	ADJ
ajiss-458	236	26	and	and	CCONJ
ajiss-458	236	27	comsamad	comsamad	ADJ
ajiss-458	236	28	,	,	PUNCT
ajiss-458	236	29	gardner	gardner	NOUN
ajiss-458	236	30	,	,	PUNCT
ajiss-458	236	31	and	and	CCONJ
ajiss-458	236	32	cook	cook	VERB
ajiss-458	236	33	:	:	PUNCT
ajiss-458	236	34	islamic	islamic	ADJ
ajiss-458	236	35	banking	banking	NOUN
ajiss-458	236	36	and	and	CCONJ
ajiss-458	236	37	finance	finance	NOUN
ajiss-458	236	38	83	83	NUM
ajiss-458	236	39	petitive	petitive	ADJ
ajiss-458	236	40	as	as	SCONJ
ajiss-458	236	41	it	it	PRON
ajiss-458	236	42	is	be	AUX
ajiss-458	236	43	in	in	ADP
ajiss-458	236	44	the	the	DET
ajiss-458	236	45	conventional	conventional	ADJ
ajiss-458	236	46	banks	bank	NOUN
ajiss-458	236	47	.	.	PUNCT
ajiss-458	237	1	when	when	SCONJ
ajiss-458	237	2	the	the	DET
ajiss-458	237	3	net	net	ADJ
ajiss-458	237	4	economic	economic	ADJ
ajiss-458	237	5	consequences	consequence	NOUN
ajiss-458	237	6	of	of	ADP
ajiss-458	237	7	being	be	AUX
ajiss-458	237	8	a	a	DET
ajiss-458	237	9	customer	customer	NOUN
ajiss-458	237	10	of	of	ADP
ajiss-458	237	11	an	an	DET
ajiss-458	237	12	islamic	islamic	PROPN
ajiss-458	237	13	bank	bank	NOUN
ajiss-458	237	14	are	be	AUX
ajiss-458	237	15	substantially	substantially	ADV
ajiss-458	237	16	the	the	DET
ajiss-458	237	17	same	same	ADJ
ajiss-458	237	18	as	as	ADP
ajiss-458	237	19	those	those	PRON
ajiss-458	237	20	associated	associate	VERB
ajiss-458	237	21	with	with	ADP
ajiss-458	237	22	conventional	conventional	ADJ
ajiss-458	237	23	banks	bank	NOUN
ajiss-458	237	24	,	,	PUNCT
ajiss-458	237	25	it	it	PRON
ajiss-458	237	26	could	could	AUX
ajiss-458	237	27	be	be	AUX
ajiss-458	237	28	expected	expect	VERB
ajiss-458	237	29	that	that	SCONJ
ajiss-458	237	30	the	the	DET
ajiss-458	237	31	religious	religious	ADJ
ajiss-458	237	32	preference	preference	NOUN
ajiss-458	237	33	of	of	ADP
ajiss-458	237	34	the	the	DET
ajiss-458	237	35	majority	majority	NOUN
ajiss-458	237	36	of	of	ADP
ajiss-458	237	37	banking	banking	NOUN
ajiss-458	237	38	customers	customer	NOUN
ajiss-458	237	39	would	would	AUX
ajiss-458	237	40	attract	attract	VERB
ajiss-458	237	41	them	they	PRON
ajiss-458	237	42	to	to	ADP
ajiss-458	237	43	islamic	islamic	ADJ
ajiss-458	237	44	banks	bank	NOUN
ajiss-458	237	45	and	and	CCONJ
ajiss-458	237	46	their	their	PRON
ajiss-458	237	47	islamic	islamic	ADJ
ajiss-458	237	48	financing	financing	NOUN
ajiss-458	237	49	instruments	instrument	NOUN
ajiss-458	237	50	.	.	PUNCT
ajiss-458	238	1	competition	competition	NOUN
ajiss-458	238	2	from	from	ADP
ajiss-458	238	3	conventional	conventional	ADJ
ajiss-458	238	4	banks	bank	NOUN
ajiss-458	238	5	.	.	PUNCT
ajiss-458	239	1	islamic	islamic	ADJ
ajiss-458	239	2	banks	bank	NOUN
ajiss-458	239	3	compete	compete	VERB
ajiss-458	239	4	with	with	ADP
ajiss-458	239	5	conventional	conventional	ADJ
ajiss-458	239	6	banks	bank	NOUN
ajiss-458	239	7	in	in	ADP
ajiss-458	239	8	both	both	CCONJ
ajiss-458	239	9	the	the	DET
ajiss-458	239	10	deposit	deposit	NOUN
ajiss-458	239	11	and	and	CCONJ
ajiss-458	239	12	credit	credit	NOUN
ajiss-458	239	13	markets	market	NOUN
ajiss-458	239	14	.	.	PUNCT
ajiss-458	240	1	some	some	DET
ajiss-458	240	2	conventional	conventional	ADJ
ajiss-458	240	3	banks	bank	NOUN
ajiss-458	240	4	,	,	PUNCT
ajiss-458	240	5	such	such	ADJ
ajiss-458	240	6	as	as	ADP
ajiss-458	240	7	the	the	DET
ajiss-458	240	8	bank	bank	PROPN
ajiss-458	240	9	bumiputra	bumiputra	PROPN
ajiss-458	240	10	malaysia	malaysia	PROPN
ajiss-458	240	11	berhad	berhad	PROPN
ajiss-458	240	12	,	,	PUNCT
ajiss-458	240	13	have	have	AUX
ajiss-458	240	14	introduced	introduce	VERB
ajiss-458	240	15	islamic	islamic	ADJ
ajiss-458	240	16	deposit	deposit	NOUN
ajiss-458	240	17	instruments	instrument	NOUN
ajiss-458	240	18	,	,	PUNCT
ajiss-458	240	19	thereby	thereby	ADV
ajiss-458	240	20	increasing	increase	VERB
ajiss-458	240	21	the	the	DET
ajiss-458	240	22	competition	competition	NOUN
ajiss-458	240	23	for	for	ADP
ajiss-458	240	24	funds	fund	NOUN
ajiss-458	240	25	.	.	PUNCT
ajiss-458	241	1	as	as	ADP
ajiss-458	241	2	a	a	DET
ajiss-458	241	3	result	result	NOUN
ajiss-458	241	4	of	of	ADP
ajiss-458	241	5	this	this	DET
ajiss-458	241	6	increased	increase	VERB
ajiss-458	241	7	competition	competition	NOUN
ajiss-458	241	8	,	,	PUNCT
ajiss-458	241	9	islamic	islamic	ADJ
ajiss-458	241	10	banks	bank	NOUN
ajiss-458	241	11	are	be	AUX
ajiss-458	241	12	finding	find	VERB
ajiss-458	241	13	it	it	PRON
ajiss-458	241	14	difficult	difficult	ADJ
ajiss-458	241	15	to	to	PART
ajiss-458	241	16	attract	attract	VERB
ajiss-458	241	17	significant	significant	ADJ
ajiss-458	241	18	funds	fund	NOUN
ajiss-458	241	19	in	in	ADP
ajiss-458	241	20	the	the	DET
ajiss-458	241	21	form	form	NOUN
ajiss-458	241	22	of	of	ADP
ajiss-458	241	23	mudarabah	mudarabah	NOUN
ajiss-458	241	24	deposits	deposit	NOUN
ajiss-458	241	25	,	,	PUNCT
ajiss-458	241	26	a	a	DET
ajiss-458	241	27	factor	factor	NOUN
ajiss-458	241	28	that	that	PRON
ajiss-458	241	29	further	far	ADV
ajiss-458	241	30	limits	limit	VERB
ajiss-458	241	31	the	the	DET
ajiss-458	241	32	growth	growth	NOUN
ajiss-458	241	33	of	of	ADP
ajiss-458	241	34	mudarabah	mudarabah	NOUN
ajiss-458	241	35	and	and	CCONJ
ajiss-458	241	36	musharakah	musharakah	PROPN
ajiss-458	241	37	financing	financing	NOUN
ajiss-458	241	38	.	.	PUNCT
ajiss-458	242	1	available	available	ADJ
ajiss-458	242	2	data	datum	NOUN
ajiss-458	242	3	on	on	ADP
ajiss-458	242	4	the	the	DET
ajiss-458	242	5	bank	bank	NOUN
ajiss-458	242	6	islam	islam	PROPN
ajiss-458	242	7	malaysia	malaysia	PROPN
ajiss-458	242	8	(	(	PUNCT
ajiss-458	242	9	berhad	berhad	PROPN
ajiss-458	242	10	)	)	PUNCT
ajiss-458	242	11	reveal	reveal	VERB
ajiss-458	242	12	that	that	PRON
ajiss-458	242	13	of	of	ADP
ajiss-458	242	14	the	the	DET
ajiss-458	242	15	total	total	ADJ
ajiss-458	242	16	customer	customer	NOUN
ajiss-458	242	17	deposits	deposit	NOUN
ajiss-458	242	18	of	of	ADP
ajiss-458	242	19	rm	rm	PROPN
ajiss-458	242	20	11,056,355	11,056,355	NUM
ajiss-458	242	21	,	,	PUNCT
ajiss-458	242	22	the	the	DET
ajiss-458	242	23	amount	amount	NOUN
ajiss-458	242	24	of	of	ADP
ajiss-458	242	25	mudarabah	mudarabah	NOUN
ajiss-458	242	26	deposits	deposit	NOUN
ajiss-458	242	27	was	be	AUX
ajiss-458	242	28	only	only	ADV
ajiss-458	242	29	rm	rm	PROPN
ajiss-458	242	30	250,992	250,992	NUM
ajiss-458	242	31	–	–	PUNCT
ajiss-458	242	32	a	a	DET
ajiss-458	242	33	mere	mere	ADJ
ajiss-458	242	34	2.27	2.27	NUM
ajiss-458	242	35	%	%	NOUN
ajiss-458	242	36	of	of	ADP
ajiss-458	242	37	total	total	ADJ
ajiss-458	242	38	deposits	deposit	NOUN
ajiss-458	242	39	.	.	PUNCT
ajiss-458	243	1	conclusion	conclusion	NOUN
ajiss-458	243	2	the	the	DET
ajiss-458	243	3	above	above	ADJ
ajiss-458	243	4	examination	examination	NOUN
ajiss-458	243	5	of	of	ADP
ajiss-458	243	6	the	the	DET
ajiss-458	243	7	balance	balance	NOUN
ajiss-458	243	8	sheets	sheet	NOUN
ajiss-458	243	9	,	,	PUNCT
ajiss-458	243	10	finance	finance	NOUN
ajiss-458	243	11	and	and	CCONJ
ajiss-458	243	12	advances	advance	NOUN
ajiss-458	243	13	,	,	PUNCT
ajiss-458	243	14	and	and	CCONJ
ajiss-458	243	15	income	income	NOUN
ajiss-458	243	16	statements	statement	NOUN
ajiss-458	243	17	of	of	ADP
ajiss-458	243	18	two	two	NUM
ajiss-458	243	19	islamic	islamic	ADJ
ajiss-458	243	20	banks	bank	NOUN
ajiss-458	243	21	in	in	ADP
ajiss-458	243	22	malaysia	malaysia	PROPN
ajiss-458	243	23	and	and	CCONJ
ajiss-458	243	24	bahrain	bahrain	PROPN
ajiss-458	243	25	discloses	disclose	VERB
ajiss-458	243	26	that	that	SCONJ
ajiss-458	243	27	islamic	islamic	ADJ
ajiss-458	243	28	banks	bank	NOUN
ajiss-458	243	29	follow	follow	VERB
ajiss-458	243	30	the	the	DET
ajiss-458	243	31	shari`ah	shari`ah	PROPN
ajiss-458	243	32	’s	’s	PART
ajiss-458	243	33	injunction	injunction	NOUN
ajiss-458	243	34	to	to	PART
ajiss-458	243	35	pay	pay	VERB
ajiss-458	243	36	zakat	zakat	NOUN
ajiss-458	243	37	and	and	CCONJ
ajiss-458	243	38	finance	finance	VERB
ajiss-458	243	39	economic	economic	ADJ
ajiss-458	243	40	activities	activity	NOUN
ajiss-458	243	41	through	through	ADP
ajiss-458	243	42	islamic	islamic	ADJ
ajiss-458	243	43	contracts	contract	NOUN
ajiss-458	243	44	.	.	PUNCT
ajiss-458	244	1	among	among	ADP
ajiss-458	244	2	these	these	DET
ajiss-458	244	3	financial	financial	ADJ
ajiss-458	244	4	contracts	contract	NOUN
ajiss-458	244	5	,	,	PUNCT
ajiss-458	244	6	mudarabah	mudarabah	NOUN
ajiss-458	244	7	,	,	PUNCT
ajiss-458	244	8	musharakah	musharakah	PROPN
ajiss-458	244	9	,	,	PUNCT
ajiss-458	244	10	qard	qard	PROPN
ajiss-458	244	11	al	al	PROPN
ajiss-458	244	12	-	-	PUNCT
ajiss-458	244	13	hassan	hassan	PROPN
ajiss-458	244	14	,	,	PUNCT
ajiss-458	244	15	and	and	CCONJ
ajiss-458	244	16	istisna	istisna	NOUN
ajiss-458	244	17	`	`	PUNCT
ajiss-458	244	18	are	be	AUX
ajiss-458	244	19	the	the	DET
ajiss-458	244	20	most	most	ADV
ajiss-458	244	21	distinguishing	distinguish	VERB
ajiss-458	244	22	products	product	NOUN
ajiss-458	244	23	in	in	ADP
ajiss-458	244	24	the	the	DET
ajiss-458	244	25	theory	theory	NOUN
ajiss-458	244	26	of	of	ADP
ajiss-458	244	27	islamic	islamic	ADJ
ajiss-458	244	28	finance	finance	NOUN
ajiss-458	244	29	.	.	PUNCT
ajiss-458	245	1	however	however	ADV
ajiss-458	245	2	,	,	PUNCT
ajiss-458	245	3	the	the	DET
ajiss-458	245	4	data	datum	NOUN
ajiss-458	245	5	indicate	indicate	VERB
ajiss-458	245	6	that	that	SCONJ
ajiss-458	245	7	for	for	ADP
ajiss-458	245	8	the	the	DET
ajiss-458	245	9	two	two	NUM
ajiss-458	245	10	islamic	islamic	ADJ
ajiss-458	245	11	banks	bank	NOUN
ajiss-458	245	12	studied	study	VERB
ajiss-458	245	13	here	here	ADV
ajiss-458	245	14	,	,	PUNCT
ajiss-458	245	15	mudarabah	mudarabah	NOUN
ajiss-458	245	16	,	,	PUNCT
ajiss-458	245	17	musharakah	musharakah	PROPN
ajiss-458	245	18	,	,	PUNCT
ajiss-458	245	19	and	and	CCONJ
ajiss-458	245	20	qard	qard	PROPN
ajiss-458	245	21	al	al	PROPN
ajiss-458	245	22	-	-	PROPN
ajiss-458	245	23	hassan	hassan	PROPN
ajiss-458	245	24	financing	financing	NOUN
ajiss-458	245	25	are	be	AUX
ajiss-458	245	26	the	the	DET
ajiss-458	245	27	least	least	ADV
ajiss-458	245	28	significant	significant	ADJ
ajiss-458	245	29	financial	financial	ADJ
ajiss-458	245	30	instruments	instrument	NOUN
ajiss-458	245	31	.	.	PUNCT
ajiss-458	246	1	the	the	DET
ajiss-458	246	2	average	average	ADJ
ajiss-458	246	3	level	level	NOUN
ajiss-458	246	4	of	of	ADP
ajiss-458	246	5	mudarabah	mudarabah	NOUN
ajiss-458	246	6	financing	financing	NOUN
ajiss-458	246	7	engaged	engage	VERB
ajiss-458	246	8	in	in	ADP
ajiss-458	246	9	by	by	ADP
ajiss-458	246	10	these	these	DET
ajiss-458	246	11	two	two	NUM
ajiss-458	246	12	islamic	islamic	ADJ
ajiss-458	246	13	banks	bank	NOUN
ajiss-458	246	14	is	be	AUX
ajiss-458	246	15	only	only	ADV
ajiss-458	246	16	5	5	NUM
ajiss-458	246	17	%	%	NOUN
ajiss-458	246	18	,	,	PUNCT
ajiss-458	246	19	and	and	CCONJ
ajiss-458	246	20	for	for	ADP
ajiss-458	246	21	musharakah	musharakah	NOUN
ajiss-458	246	22	it	it	PRON
ajiss-458	246	23	is	be	AUX
ajiss-458	246	24	less	less	ADJ
ajiss-458	246	25	than	than	ADP
ajiss-458	246	26	3	3	NUM
ajiss-458	246	27	%	%	NOUN
ajiss-458	246	28	,	,	PUNCT
ajiss-458	246	29	making	make	VERB
ajiss-458	246	30	the	the	DET
ajiss-458	246	31	combined	combine	VERB
ajiss-458	246	32	average	average	NOUN
ajiss-458	246	33	less	less	ADJ
ajiss-458	246	34	than	than	ADP
ajiss-458	246	35	4	4	NUM
ajiss-458	246	36	%	%	NOUN
ajiss-458	246	37	of	of	ADP
ajiss-458	246	38	total	total	ADJ
ajiss-458	246	39	finance	finance	NOUN
ajiss-458	246	40	and	and	CCONJ
ajiss-458	246	41	advances	advance	NOUN
ajiss-458	246	42	.	.	PUNCT
ajiss-458	247	1	the	the	DET
ajiss-458	247	2	average	average	ADJ
ajiss-458	247	3	financing	financing	NOUN
ajiss-458	247	4	under	under	ADP
ajiss-458	247	5	the	the	DET
ajiss-458	247	6	qard	qard	NOUN
ajiss-458	247	7	al	al	PROPN
ajiss-458	247	8	-	-	PUNCT
ajiss-458	247	9	hassan	hassan	PROPN
ajiss-458	247	10	(	(	PUNCT
ajiss-458	247	11	benevolence	benevolence	NOUN
ajiss-458	247	12	)	)	PUNCT
ajiss-458	247	13	mode	mode	NOUN
ajiss-458	247	14	is	be	AUX
ajiss-458	247	15	about	about	ADV
ajiss-458	247	16	4	4	NUM
ajiss-458	247	17	%	%	NOUN
ajiss-458	247	18	.	.	PUNCT
ajiss-458	248	1	istisna	istisna	NOUN
ajiss-458	248	2	`	`	PUNCT
ajiss-458	248	3	(	(	PUNCT
ajiss-458	248	4	progressive	progressive	ADJ
ajiss-458	248	5	)	)	PUNCT
ajiss-458	248	6	is	be	AUX
ajiss-458	248	7	not	not	PART
ajiss-458	248	8	yet	yet	ADV
ajiss-458	248	9	used	use	VERB
ajiss-458	248	10	by	by	ADP
ajiss-458	248	11	these	these	DET
ajiss-458	248	12	two	two	NUM
ajiss-458	248	13	islamic	islamic	ADJ
ajiss-458	248	14	banks	bank	NOUN
ajiss-458	248	15	.	.	PUNCT
ajiss-458	249	1	mark	mark	NOUN
ajiss-458	249	2	-	-	PUNCT
ajiss-458	249	3	up	up	ADP
ajiss-458	249	4	products	product	NOUN
ajiss-458	249	5	,	,	PUNCT
ajiss-458	249	6	such	such	ADJ
ajiss-458	249	7	as	as	ADP
ajiss-458	249	8	murabahah	murabahah	NOUN
ajiss-458	249	9	and	and	CCONJ
ajiss-458	249	10	ijarah	ijarah	PROPN
ajiss-458	249	11	,	,	PUNCT
ajiss-458	249	12	appear	appear	VERB
ajiss-458	249	13	to	to	PART
ajiss-458	249	14	be	be	AUX
ajiss-458	249	15	the	the	DET
ajiss-458	249	16	most	most	ADV
ajiss-458	249	17	popular	popular	ADJ
ajiss-458	249	18	,	,	PUNCT
ajiss-458	249	19	for	for	SCONJ
ajiss-458	249	20	they	they	PRON
ajiss-458	249	21	dominate	dominate	VERB
ajiss-458	249	22	all	all	DET
ajiss-458	249	23	other	other	ADJ
ajiss-458	249	24	modes	mode	NOUN
ajiss-458	249	25	of	of	ADP
ajiss-458	249	26	islamic	islamic	ADJ
ajiss-458	249	27	financing	financing	NOUN
ajiss-458	249	28	.	.	PUNCT
ajiss-458	250	1	the	the	DET
ajiss-458	250	2	average	average	ADJ
ajiss-458	250	3	murabahah	murabahah	NOUN
ajiss-458	250	4	financing	financing	NOUN
ajiss-458	250	5	for	for	ADP
ajiss-458	250	6	these	these	DET
ajiss-458	250	7	two	two	NUM
ajiss-458	250	8	islamic	islamic	ADJ
ajiss-458	250	9	banks	bank	NOUN
ajiss-458	250	10	is	be	AUX
ajiss-458	250	11	over	over	ADP
ajiss-458	250	12	54	54	NUM
ajiss-458	250	13	%	%	NOUN
ajiss-458	250	14	.	.	PUNCT
ajiss-458	251	1	when	when	SCONJ
ajiss-458	251	2	bay	bay	NOUN
ajiss-458	251	3	`	`	PUNCT
ajiss-458	251	4	bi	bi	PROPN
ajiss-458	251	5	al	al	PROPN
ajiss-458	251	6	-	-	PUNCT
ajiss-458	251	7	thaman	thaman	PROPN
ajiss-458	251	8	al	al	PROPN
ajiss-458	251	9	-	-	PROPN
ajiss-458	251	10	ajil	ajil	PROPN
ajiss-458	251	11	and	and	CCONJ
ajiss-458	251	12	murabahah	murabahah	NOUN
ajiss-458	251	13	are	be	AUX
ajiss-458	251	14	considered	consider	VERB
ajiss-458	251	15	together	together	ADV
ajiss-458	251	16	,	,	PUNCT
ajiss-458	251	17	the	the	DET
ajiss-458	251	18	average	average	ADJ
ajiss-458	251	19	financing	financing	NOUN
ajiss-458	251	20	of	of	ADP
ajiss-458	251	21	these	these	DET
ajiss-458	251	22	two	two	NUM
ajiss-458	251	23	islamic	islamic	ADJ
ajiss-458	251	24	banks	bank	NOUN
ajiss-458	251	25	is	be	AUX
ajiss-458	251	26	82.68	82.68	NUM
ajiss-458	251	27	%	%	NOUN
ajiss-458	251	28	.	.	PUNCT
ajiss-458	252	1	these	these	DET
ajiss-458	252	2	figures	figure	NOUN
ajiss-458	252	3	are	be	AUX
ajiss-458	252	4	significantly	significantly	ADV
ajiss-458	252	5	higher	high	ADJ
ajiss-458	252	6	than	than	ADP
ajiss-458	252	7	the	the	DET
ajiss-458	252	8	combined	combined	ADJ
ajiss-458	252	9	mudarabah	mudarabah	NOUN
ajiss-458	252	10	,	,	PUNCT
ajiss-458	252	11	musharakah	musharakah	PROPN
ajiss-458	252	12	,	,	PUNCT
ajiss-458	252	13	and	and	CCONJ
ajiss-458	252	14	qard	qard	PROPN
ajiss-458	252	15	al	al	PROPN
ajiss-458	252	16	-	-	PROPN
ajiss-458	252	17	hassan	hassan	PROPN
ajiss-458	252	18	financing	financing	NOUN
ajiss-458	252	19	(	(	PUNCT
ajiss-458	252	20	less	less	ADJ
ajiss-458	252	21	than	than	ADP
ajiss-458	252	22	12	12	NUM
ajiss-458	252	23	%	%	NOUN
ajiss-458	252	24	)	)	PUNCT
ajiss-458	252	25	.	.	PUNCT
ajiss-458	253	1	further	further	ADJ
ajiss-458	253	2	research	research	NOUN
ajiss-458	253	3	should	should	AUX
ajiss-458	253	4	be	be	AUX
ajiss-458	253	5	conducted	conduct	VERB
ajiss-458	253	6	84	84	NUM
ajiss-458	253	7	the	the	DET
ajiss-458	253	8	american	american	PROPN
ajiss-458	253	9	journal	journal	PROPN
ajiss-458	253	10	of	of	ADP
ajiss-458	253	11	islamic	islamic	ADJ
ajiss-458	253	12	social	social	ADJ
ajiss-458	253	13	sciences	science	NOUN
ajiss-458	253	14	22:2	22:2	NUM
ajiss-458	253	15	to	to	PART
ajiss-458	253	16	investigate	investigate	VERB
ajiss-458	253	17	the	the	DET
ajiss-458	253	18	extent	extent	NOUN
ajiss-458	253	19	to	to	PART
ajiss-458	253	20	which	which	DET
ajiss-458	253	21	mudarabah	mudarabah	NOUN
ajiss-458	253	22	and	and	CCONJ
ajiss-458	253	23	musharakah	musharakah	NOUN
ajiss-458	253	24	are	be	AUX
ajiss-458	253	25	utilized	utilize	VERB
ajiss-458	253	26	in	in	ADP
ajiss-458	253	27	other	other	ADJ
ajiss-458	253	28	islamic	islamic	ADJ
ajiss-458	253	29	countries	country	NOUN
ajiss-458	253	30	.	.	PUNCT
ajiss-458	254	1	it	it	PRON
ajiss-458	254	2	is	be	AUX
ajiss-458	254	3	understandable	understandable	ADJ
ajiss-458	254	4	that	that	SCONJ
ajiss-458	254	5	,	,	PUNCT
ajiss-458	254	6	during	during	ADP
ajiss-458	254	7	the	the	DET
ajiss-458	254	8	initial	initial	ADJ
ajiss-458	254	9	development	development	NOUN
ajiss-458	254	10	of	of	ADP
ajiss-458	254	11	the	the	DET
ajiss-458	254	12	islamic	islamic	ADJ
ajiss-458	254	13	banking	banking	NOUN
ajiss-458	254	14	system	system	NOUN
ajiss-458	254	15	,	,	PUNCT
ajiss-458	254	16	musharakah	musharakah	NOUN
ajiss-458	254	17	and	and	CCONJ
ajiss-458	254	18	mudarabah	mudarabah	NOUN
ajiss-458	254	19	financing	financing	NOUN
ajiss-458	254	20	should	should	AUX
ajiss-458	254	21	be	be	AUX
ajiss-458	254	22	deemphasized	deemphasize	VERB
ajiss-458	254	23	due	due	ADP
ajiss-458	254	24	to	to	ADP
ajiss-458	254	25	the	the	DET
ajiss-458	254	26	increased	increase	VERB
ajiss-458	254	27	risk	risk	NOUN
ajiss-458	254	28	associated	associate	VERB
ajiss-458	254	29	with	with	ADP
ajiss-458	254	30	them	they	PRON
ajiss-458	254	31	.	.	PUNCT
ajiss-458	255	1	nevertheless	nevertheless	ADV
ajiss-458	255	2	,	,	PUNCT
ajiss-458	255	3	we	we	PRON
ajiss-458	255	4	can	can	AUX
ajiss-458	255	5	expect	expect	VERB
ajiss-458	255	6	that	that	SCONJ
ajiss-458	255	7	these	these	DET
ajiss-458	255	8	islamic	islamic	ADJ
ajiss-458	255	9	financial	financial	ADJ
ajiss-458	255	10	instruments	instrument	NOUN
ajiss-458	255	11	will	will	AUX
ajiss-458	255	12	increase	increase	VERB
ajiss-458	255	13	in	in	ADP
ajiss-458	255	14	importance	importance	NOUN
ajiss-458	255	15	as	as	SCONJ
ajiss-458	255	16	the	the	DET
ajiss-458	255	17	islamic	islamic	ADJ
ajiss-458	255	18	banking	banking	NOUN
ajiss-458	255	19	system	system	NOUN
ajiss-458	255	20	continues	continue	VERB
ajiss-458	255	21	to	to	PART
ajiss-458	255	22	mature	mature	VERB
ajiss-458	255	23	.	.	PUNCT
ajiss-458	256	1	endnotes	endnote	NOUN
ajiss-458	256	2	1	1	NUM
ajiss-458	256	3	.	.	PUNCT
ajiss-458	256	4	m.	m.	NOUN
ajiss-458	256	5	n.	n.	PROPN
ajiss-458	256	6	siddiqi	siddiqi	PROPN
ajiss-458	256	7	,	,	PUNCT
ajiss-458	256	8	issues	issue	NOUN
ajiss-458	256	9	in	in	ADP
ajiss-458	256	10	islamic	islamic	ADJ
ajiss-458	256	11	banking	banking	NOUN
ajiss-458	256	12	(	(	PUNCT
ajiss-458	256	13	leicester	leicester	NOUN
ajiss-458	256	14	:	:	PUNCT
ajiss-458	256	15	islamic	islamic	PROPN
ajiss-458	256	16	foundation	foundation	PROPN
ajiss-458	256	17	,	,	PUNCT
ajiss-458	256	18	1983	1983	NUM
ajiss-458	256	19	)	)	PUNCT
ajiss-458	256	20	.	.	PUNCT
ajiss-458	257	1	2	2	X
ajiss-458	257	2	.	.	X
ajiss-458	257	3	s.	s.	PROPN
ajiss-458	257	4	r.	r.	PROPN
ajiss-458	257	5	khan	khan	PROPN
ajiss-458	257	6	,	,	PUNCT
ajiss-458	257	7	profit	profit	NOUN
ajiss-458	257	8	and	and	CCONJ
ajiss-458	257	9	loss	loss	NOUN
ajiss-458	257	10	sharing	sharing	NOUN
ajiss-458	257	11	:	:	PUNCT
ajiss-458	257	12	an	an	DET
ajiss-458	257	13	islamic	islamic	ADJ
ajiss-458	257	14	experiment	experiment	NOUN
ajiss-458	257	15	in	in	ADP
ajiss-458	257	16	finance	finance	NOUN
ajiss-458	257	17	and	and	CCONJ
ajiss-458	257	18	banking	banking	NOUN
ajiss-458	257	19	(	(	PUNCT
ajiss-458	257	20	karachi	karachi	PROPN
ajiss-458	257	21	:	:	PUNCT
ajiss-458	257	22	oxford	oxford	PROPN
ajiss-458	257	23	university	university	PROPN
ajiss-458	257	24	press	press	NOUN
ajiss-458	257	25	,	,	PUNCT
ajiss-458	257	26	1987	1987	NUM
ajiss-458	257	27	)	)	PUNCT
ajiss-458	257	28	.	.	PUNCT
ajiss-458	258	1	3	3	X
ajiss-458	258	2	.	.	X
ajiss-458	258	3	m.	m.	NOUN
ajiss-458	258	4	a.	a.	PROPN
ajiss-458	258	5	mannan	mannan	PROPN
ajiss-458	258	6	,	,	PUNCT
ajiss-458	258	7	“	"	PUNCT
ajiss-458	258	8	islam	islam	PROPN
ajiss-458	258	9	and	and	CCONJ
ajiss-458	258	10	trends	trend	NOUN
ajiss-458	258	11	in	in	ADP
ajiss-458	258	12	modern	modern	ADJ
ajiss-458	258	13	banking	banking	NOUN
ajiss-458	258	14	:	:	PUNCT
ajiss-458	258	15	theory	theory	NOUN
ajiss-458	258	16	and	and	CCONJ
ajiss-458	258	17	practice	practice	NOUN
ajiss-458	258	18	of	of	ADP
ajiss-458	258	19	interest	interest	NOUN
ajiss-458	258	20	-	-	PUNCT
ajiss-458	258	21	free	free	ADJ
ajiss-458	258	22	banking	banking	NOUN
ajiss-458	258	23	,	,	PUNCT
ajiss-458	258	24	”	"	PUNCT
ajiss-458	258	25	islamic	islamic	PROPN
ajiss-458	258	26	review	review	PROPN
ajiss-458	258	27	and	and	CCONJ
ajiss-458	258	28	arab	arab	ADJ
ajiss-458	258	29	affairs	affair	NOUN
ajiss-458	258	30	(	(	PUNCT
ajiss-458	258	31	november/	november/	PROPN
ajiss-458	258	32	december	december	PROPN
ajiss-458	258	33	1998	1998	NUM
ajiss-458	258	34	):	):	PUNCT
ajiss-458	258	35	73	73	NUM
ajiss-458	258	36	-	-	SYM
ajiss-458	258	37	95	95	NUM
ajiss-458	258	38	.	.	PUNCT
ajiss-458	259	1	4	4	NUM
ajiss-458	259	2	.	.	PUNCT
ajiss-458	259	3	z.	z.	PROPN
ajiss-458	259	4	iqbal	iqbal	PROPN
ajiss-458	259	5	and	and	CCONJ
ajiss-458	259	6	a.	a.	NOUN
ajiss-458	259	7	mirakhor	mirakhor	NOUN
ajiss-458	259	8	,	,	PUNCT
ajiss-458	259	9	“	"	PUNCT
ajiss-458	259	10	progress	progress	NOUN
ajiss-458	259	11	and	and	CCONJ
ajiss-458	259	12	challenges	challenge	NOUN
ajiss-458	259	13	of	of	ADP
ajiss-458	259	14	islamic	islamic	ADJ
ajiss-458	259	15	banking	banking	NOUN
ajiss-458	259	16	,	,	PUNCT
ajiss-458	259	17	”	"	PUNCT
ajiss-458	259	18	thunderbird	thunderbird	PROPN
ajiss-458	259	19	international	international	PROPN
ajiss-458	259	20	business	business	PROPN
ajiss-458	259	21	review	review	NOUN
ajiss-458	259	22	3	3	NUM
ajiss-458	259	23	(	(	PUNCT
ajiss-458	259	24	1999	1999	NUM
ajiss-458	259	25	):	):	PUNCT
ajiss-458	259	26	381	381	NUM
ajiss-458	259	27	-	-	SYM
ajiss-458	259	28	403	403	NUM
ajiss-458	259	29	.	.	PUNCT
ajiss-458	260	1	5	5	X
ajiss-458	260	2	.	.	X
ajiss-458	260	3	ausaf	ausaf	PROPN
ajiss-458	260	4	ahmad	ahmad	PROPN
ajiss-458	260	5	,	,	PUNCT
ajiss-458	260	6	development	development	NOUN
ajiss-458	260	7	and	and	CCONJ
ajiss-458	260	8	problems	problem	NOUN
ajiss-458	260	9	of	of	ADP
ajiss-458	260	10	islamic	islamic	ADJ
ajiss-458	260	11	banks	bank	NOUN
ajiss-458	260	12	(	(	PUNCT
ajiss-458	260	13	jeddah	jeddah	PROPN
ajiss-458	260	14	:	:	PUNCT
ajiss-458	260	15	islamic	islamic	PROPN
ajiss-458	260	16	development	development	PROPN
ajiss-458	260	17	bank	bank	PROPN
ajiss-458	260	18	,	,	PUNCT
ajiss-458	260	19	islamic	islamic	ADJ
ajiss-458	260	20	research	research	NOUN
ajiss-458	260	21	and	and	CCONJ
ajiss-458	260	22	training	training	NOUN
ajiss-458	260	23	institute	institute	NOUN
ajiss-458	260	24	,	,	PUNCT
ajiss-458	260	25	1987	1987	NUM
ajiss-458	260	26	)	)	PUNCT
ajiss-458	260	27	.	.	PUNCT
ajiss-458	261	1	6	6	X
ajiss-458	261	2	.	.	X
ajiss-458	261	3	m.	m.	NOUN
ajiss-458	261	4	zeneldin	zeneldin	PROPN
ajiss-458	261	5	,	,	PUNCT
ajiss-458	261	6	the	the	DET
ajiss-458	261	7	economy	economy	NOUN
ajiss-458	261	8	of	of	ADP
ajiss-458	261	9	money	money	NOUN
ajiss-458	261	10	and	and	CCONJ
ajiss-458	261	11	banking	banking	NOUN
ajiss-458	261	12	:	:	PUNCT
ajiss-458	261	13	a	a	DET
ajiss-458	261	14	theoretical	theoretical	ADJ
ajiss-458	261	15	and	and	CCONJ
ajiss-458	261	16	empirical	empirical	ADJ
ajiss-458	261	17	study	study	NOUN
ajiss-458	261	18	of	of	ADP
ajiss-458	261	19	islamic	islamic	ADJ
ajiss-458	261	20	interest	interest	NOUN
ajiss-458	261	21	-	-	PUNCT
ajiss-458	261	22	free	free	ADJ
ajiss-458	261	23	banking	banking	NOUN
ajiss-458	261	24	(	(	PUNCT
ajiss-458	261	25	stockholm	stockholm	PROPN
ajiss-458	261	26	:	:	PUNCT
ajiss-458	261	27	almqvist	almqvist	PROPN
ajiss-458	261	28	&	&	CCONJ
ajiss-458	261	29	wiksell	wiksell	PROPN
ajiss-458	261	30	international	international	PROPN
ajiss-458	261	31	,	,	PUNCT
ajiss-458	261	32	1990	1990	NUM
ajiss-458	261	33	)	)	PUNCT
ajiss-458	261	34	.	.	PUNCT
ajiss-458	262	1	7	7	X
ajiss-458	262	2	.	.	X
ajiss-458	262	3	m.	m.	PROPN
ajiss-458	262	4	saeed	saeed	PROPN
ajiss-458	262	5	,	,	PUNCT
ajiss-458	262	6	islamic	islamic	ADJ
ajiss-458	262	7	banking	banking	NOUN
ajiss-458	262	8	and	and	CCONJ
ajiss-458	262	9	interest	interest	NOUN
ajiss-458	262	10	(	(	PUNCT
ajiss-458	262	11	leiden	leiden	PROPN
ajiss-458	262	12	,	,	PUNCT
ajiss-458	262	13	the	the	DET
ajiss-458	262	14	netherlands	netherlands	PROPN
ajiss-458	262	15	:	:	PUNCT
ajiss-458	262	16	e.	e.	PROPN
ajiss-458	262	17	j.	j.	PROPN
ajiss-458	262	18	brill	brill	PROPN
ajiss-458	262	19	,	,	PUNCT
ajiss-458	262	20	1996	1996	NUM
ajiss-458	262	21	)	)	PUNCT
ajiss-458	262	22	.	.	PUNCT
ajiss-458	263	1	8	8	X
ajiss-458	263	2	.	.	PUNCT
ajiss-458	263	3	f.	f.	PROPN
ajiss-458	263	4	al	al	PROPN
ajiss-458	263	5	-	-	PROPN
ajiss-458	263	6	omar	omar	PROPN
ajiss-458	263	7	and	and	CCONJ
ajiss-458	263	8	m.	m.	PROPN
ajiss-458	263	9	abdel	abdel	PROPN
ajiss-458	263	10	haq	haq	PROPN
ajiss-458	263	11	,	,	PUNCT
ajiss-458	263	12	islamic	islamic	ADJ
ajiss-458	263	13	banking	banking	NOUN
ajiss-458	263	14	:	:	PUNCT
ajiss-458	263	15	theory	theory	NOUN
ajiss-458	263	16	,	,	PUNCT
ajiss-458	263	17	practice	practice	NOUN
ajiss-458	263	18	and	and	CCONJ
ajiss-458	263	19	challenges	challenge	NOUN
ajiss-458	263	20	(	(	PUNCT
ajiss-458	263	21	karachi	karachi	PROPN
ajiss-458	263	22	:	:	PUNCT
ajiss-458	263	23	oxford	oxford	PROPN
ajiss-458	263	24	university	university	PROPN
ajiss-458	263	25	press	press	NOUN
ajiss-458	263	26	,	,	PUNCT
ajiss-458	263	27	1996	1996	NUM
ajiss-458	263	28	)	)	PUNCT
ajiss-458	263	29	.	.	PUNCT
ajiss-458	264	1	9	9	X
ajiss-458	264	2	.	.	X
ajiss-458	264	3	m.	m.	NOUN
ajiss-458	264	4	kahf	kahf	PROPN
ajiss-458	264	5	,	,	PUNCT
ajiss-458	264	6	“	"	PUNCT
ajiss-458	264	7	islamic	islamic	ADJ
ajiss-458	264	8	banks	bank	NOUN
ajiss-458	264	9	at	at	ADP
ajiss-458	264	10	the	the	DET
ajiss-458	264	11	threshold	threshold	NOUN
ajiss-458	264	12	of	of	ADP
ajiss-458	264	13	the	the	DET
ajiss-458	264	14	third	third	ADJ
ajiss-458	264	15	millennium	millennium	NOUN
ajiss-458	264	16	,	,	PUNCT
ajiss-458	264	17	”	"	PUNCT
ajiss-458	264	18	thunderbird	thunderbird	PROPN
ajiss-458	264	19	international	international	PROPN
ajiss-458	264	20	business	business	PROPN
ajiss-458	264	21	review	review	NOUN
ajiss-458	264	22	3	3	NUM
ajiss-458	264	23	(	(	PUNCT
ajiss-458	264	24	1999	1999	NUM
ajiss-458	264	25	):	):	PUNCT
ajiss-458	264	26	445	445	NUM
ajiss-458	264	27	-	-	SYM
ajiss-458	264	28	59	59	NUM
ajiss-458	264	29	.	.	PUNCT
ajiss-458	264	30	10	10	NUM
ajiss-458	264	31	.	.	PUNCT
ajiss-458	264	32	a.	a.	PROPN
ajiss-458	264	33	a.	a.	PROPN
ajiss-458	264	34	el	el	PROPN
ajiss-458	264	35	-	-	PUNCT
ajiss-458	264	36	ashker	ashker	NOUN
ajiss-458	264	37	,	,	PUNCT
ajiss-458	264	38	the	the	DET
ajiss-458	264	39	islamic	islamic	ADJ
ajiss-458	264	40	business	business	NOUN
ajiss-458	264	41	enterprise	enterprise	NOUN
ajiss-458	264	42	(	(	PUNCT
ajiss-458	264	43	new	new	PROPN
ajiss-458	264	44	hampshire	hampshire	PROPN
ajiss-458	264	45	:	:	PUNCT
ajiss-458	264	46	croom	croom	PROPN
ajiss-458	264	47	helm	helm	PROPN
ajiss-458	264	48	ltd	ltd	PROPN
ajiss-458	264	49	.	.	PROPN
ajiss-458	264	50	,	,	PUNCT
ajiss-458	264	51	1987	1987	NUM
ajiss-458	264	52	)	)	PUNCT
ajiss-458	264	53	.	.	PUNCT
ajiss-458	265	1	11	11	NUM
ajiss-458	265	2	.	.	PUNCT
ajiss-458	265	3	r.	r.	PROPN
ajiss-458	265	4	wilson	wilson	PROPN
ajiss-458	265	5	,	,	PUNCT
ajiss-458	265	6	islamic	islamic	ADJ
ajiss-458	265	7	financial	financial	ADJ
ajiss-458	265	8	markets	market	NOUN
ajiss-458	265	9	(	(	PUNCT
ajiss-458	265	10	new	new	PROPN
ajiss-458	265	11	york	york	PROPN
ajiss-458	265	12	:	:	PUNCT
ajiss-458	265	13	routledge	routledge	PROPN
ajiss-458	265	14	,	,	PUNCT
ajiss-458	265	15	1995	1995	NUM
ajiss-458	265	16	)	)	PUNCT
ajiss-458	265	17	.	.	PUNCT
ajiss-458	266	1	12	12	NUM
ajiss-458	266	2	.	.	PUNCT
ajiss-458	267	1	e.	e.	PROPN
ajiss-458	267	2	g.	g.	PROPN
ajiss-458	267	3	kazarian	kazarian	PROPN
ajiss-458	267	4	,	,	PUNCT
ajiss-458	267	5	islamic	islamic	ADJ
ajiss-458	267	6	versus	versus	ADP
ajiss-458	267	7	traditional	traditional	ADJ
ajiss-458	267	8	banking	banking	NOUN
ajiss-458	267	9	:	:	PUNCT
ajiss-458	267	10	financial	financial	ADJ
ajiss-458	267	11	innovation	innovation	NOUN
ajiss-458	267	12	in	in	ADP
ajiss-458	267	13	egypt	egypt	PROPN
ajiss-458	267	14	(	(	PUNCT
ajiss-458	267	15	colorado	colorado	PROPN
ajiss-458	267	16	:	:	PUNCT
ajiss-458	267	17	westview	westview	PROPN
ajiss-458	267	18	press	press	PROPN
ajiss-458	267	19	,	,	PUNCT
ajiss-458	267	20	1993	1993	NUM
ajiss-458	267	21	)	)	PUNCT
ajiss-458	267	22	.	.	PUNCT
ajiss-458	268	1	13	13	NUM
ajiss-458	268	2	.	.	X
ajiss-458	268	3	b.	b.	PROPN
ajiss-458	268	4	maniam	maniam	PROPN
ajiss-458	268	5	,	,	PUNCT
ajiss-458	268	6	james	james	PROPN
ajiss-458	268	7	j.	j.	PROPN
ajiss-458	268	8	bexley	bexley	PROPN
ajiss-458	268	9	,	,	PUNCT
ajiss-458	268	10	and	and	CCONJ
ajiss-458	268	11	joe	joe	PROPN
ajiss-458	268	12	f.	f.	PROPN
ajiss-458	268	13	james	james	PROPN
ajiss-458	268	14	,	,	PUNCT
ajiss-458	268	15	“	"	PUNCT
ajiss-458	268	16	perception	perception	NOUN
ajiss-458	268	17	of	of	ADP
ajiss-458	268	18	islamic	islamic	ADJ
ajiss-458	268	19	financial	financial	ADJ
ajiss-458	268	20	system	system	NOUN
ajiss-458	268	21	:	:	PUNCT
ajiss-458	268	22	its	its	PRON
ajiss-458	268	23	obstacles	obstacle	NOUN
ajiss-458	268	24	in	in	ADP
ajiss-458	268	25	application	application	NOUN
ajiss-458	268	26	,	,	PUNCT
ajiss-458	268	27	and	and	CCONJ
ajiss-458	268	28	its	its	PRON
ajiss-458	268	29	market	market	NOUN
ajiss-458	268	30	,	,	PUNCT
ajiss-458	268	31	”	"	PUNCT
ajiss-458	268	32	academy	academy	NOUN
ajiss-458	268	33	of	of	ADP
ajiss-458	268	34	accounting	accounting	NOUN
ajiss-458	268	35	and	and	CCONJ
ajiss-458	268	36	financial	financial	ADJ
ajiss-458	268	37	studies	study	NOUN
ajiss-458	268	38	journal	journal	NOUN
ajiss-458	268	39	4	4	NUM
ajiss-458	268	40	,	,	PUNCT
ajiss-458	268	41	no	no	INTJ
ajiss-458	268	42	.	.	NOUN
ajiss-458	268	43	2	2	NUM
ajiss-458	268	44	(	(	PUNCT
ajiss-458	268	45	2000	2000	NUM
ajiss-458	268	46	):	):	PUNCT
ajiss-458	268	47	22	22	NUM
ajiss-458	268	48	-	-	SYM
ajiss-458	268	49	36	36	NUM
ajiss-458	268	50	.	.	PUNCT
ajiss-458	269	1	14	14	NUM
ajiss-458	269	2	.	.	PUNCT
ajiss-458	270	1	obiyathulla	obiyathulla	PROPN
ajiss-458	270	2	ismath	ismath	PROPN
ajiss-458	270	3	bacha	bacha	PROPN
ajiss-458	270	4	,	,	PUNCT
ajiss-458	270	5	“	"	PUNCT
ajiss-458	270	6	conventional	conventional	ADJ
ajiss-458	270	7	versus	versus	ADP
ajiss-458	270	8	mudarabah	mudarabah	NOUN
ajiss-458	270	9	financing	financing	NOUN
ajiss-458	270	10	:	:	PUNCT
ajiss-458	270	11	an	an	DET
ajiss-458	270	12	agency	agency	NOUN
ajiss-458	270	13	cost	cost	NOUN
ajiss-458	270	14	perspective	perspective	NOUN
ajiss-458	270	15	,	,	PUNCT
ajiss-458	270	16	”	"	PUNCT
ajiss-458	270	17	journal	journal	NOUN
ajiss-458	270	18	of	of	ADP
ajiss-458	270	19	islamic	islamic	ADJ
ajiss-458	270	20	economics	economic	NOUN
ajiss-458	270	21	4	4	NUM
ajiss-458	270	22	,	,	PUNCT
ajiss-458	270	23	nos	nos	NOUN
ajiss-458	270	24	.	.	PROPN
ajiss-458	270	25	1	1	NUM
ajiss-458	270	26	-	-	SYM
ajiss-458	270	27	2	2	NUM
ajiss-458	270	28	,	,	PUNCT
ajiss-458	270	29	(	(	PUNCT
ajiss-458	270	30	1995	1995	NUM
ajiss-458	270	31	):	):	PUNCT
ajiss-458	270	32	33	33	NUM
ajiss-458	270	33	-	-	SYM
ajiss-458	270	34	49	49	NUM
ajiss-458	270	35	;	;	PUNCT
ajiss-458	270	36	de	de	X
ajiss-458	270	37	belder	belder	NOUN
ajiss-458	270	38	,	,	PUNCT
ajiss-458	270	39	r.	r.	PROPN
ajiss-458	270	40	k.	k.	PROPN
ajiss-458	270	41	and	and	CCONJ
ajiss-458	270	42	m.	m.	PROPN
ajiss-458	270	43	hassan	hassan	PROPN
ajiss-458	270	44	,	,	PUNCT
ajiss-458	270	45	“	"	PUNCT
ajiss-458	270	46	the	the	DET
ajiss-458	270	47	changing	change	VERB
ajiss-458	270	48	face	face	NOUN
ajiss-458	270	49	of	of	ADP
ajiss-458	270	50	the	the	DET
ajiss-458	270	51	islamic	islamic	ADJ
ajiss-458	270	52	banking	banking	NOUN
ajiss-458	270	53	,	,	PUNCT
ajiss-458	270	54	”	"	PUNCT
ajiss-458	270	55	international	international	ADJ
ajiss-458	270	56	financial	financial	ADJ
ajiss-458	270	57	law	law	NOUN
ajiss-458	270	58	review	review	NOUN
ajiss-458	270	59	1	1	NUM
ajiss-458	270	60	(	(	PUNCT
ajiss-458	270	61	1993	1993	NUM
ajiss-458	270	62	):	):	PUNCT
ajiss-458	270	63	23	23	NUM
ajiss-458	270	64	-	-	SYM
ajiss-458	270	65	26	26	NUM
ajiss-458	270	66	.	.	PUNCT
ajiss-458	271	1	samad	samad	PROPN
ajiss-458	271	2	,	,	PUNCT
ajiss-458	271	3	gardner	gardner	NOUN
ajiss-458	271	4	,	,	PUNCT
ajiss-458	271	5	and	and	CCONJ
ajiss-458	271	6	cook	cook	VERB
ajiss-458	271	7	:	:	PUNCT
ajiss-458	271	8	islamic	islamic	ADJ
ajiss-458	271	9	banking	banking	NOUN
ajiss-458	271	10	and	and	CCONJ
ajiss-458	271	11	finance	finance	NOUN
ajiss-458	271	12	85	85	NUM
ajiss-458	271	13	15	15	NUM
ajiss-458	271	14	.	.	PUNCT
ajiss-458	271	15	ali	ali	PROPN
ajiss-458	271	16	akkas	akkas	PROPN
ajiss-458	271	17	,	,	PUNCT
ajiss-458	271	18	“	"	PUNCT
ajiss-458	271	19	relative	relative	ADJ
ajiss-458	271	20	efficiencies	efficiency	NOUN
ajiss-458	271	21	of	of	ADP
ajiss-458	271	22	the	the	DET
ajiss-458	271	23	conventional	conventional	ADJ
ajiss-458	271	24	and	and	CCONJ
ajiss-458	271	25	islamic	islamic	ADJ
ajiss-458	271	26	banking	banking	NOUN
ajiss-458	271	27	system	system	NOUN
ajiss-458	271	28	in	in	ADP
ajiss-458	271	29	financing	financing	NOUN
ajiss-458	271	30	investment	investment	NOUN
ajiss-458	271	31	”	"	PUNCT
ajiss-458	271	32	(	(	PUNCT
ajiss-458	271	33	unpublished	unpublished	ADJ
ajiss-458	271	34	ph.d	ph.d	PROPN
ajiss-458	271	35	.	.	PUNCT
ajiss-458	271	36	diss	diss	PROPN
ajiss-458	271	37	.	.	PROPN
ajiss-458	271	38	,	,	PUNCT
ajiss-458	271	39	dhaka	dhaka	PROPN
ajiss-458	271	40	university	university	PROPN
ajiss-458	271	41	,	,	PUNCT
ajiss-458	271	42	dhaka	dhaka	PROPN
ajiss-458	271	43	,	,	PUNCT
ajiss-458	271	44	bangladesh	bangladesh	PROPN
ajiss-458	271	45	,	,	PUNCT
ajiss-458	271	46	1996	1996	NUM
ajiss-458	271	47	)	)	PUNCT
ajiss-458	271	48	.	.	PUNCT
ajiss-458	272	1	16	16	NUM
ajiss-458	272	2	.	.	PUNCT
ajiss-458	273	1	kazarian	kazarian	PROPN
ajiss-458	273	2	,	,	PUNCT
ajiss-458	273	3	islamic	islamic	ADJ
ajiss-458	273	4	versus	versus	ADP
ajiss-458	273	5	traditional	traditional	ADJ
ajiss-458	273	6	banking	banking	NOUN
ajiss-458	273	7	.	.	PUNCT
ajiss-458	274	1	17	17	NUM
ajiss-458	274	2	.	.	PUNCT
ajiss-458	274	3	abdus	abdus	PROPN
ajiss-458	274	4	samad	samad	PROPN
ajiss-458	274	5	,	,	PUNCT
ajiss-458	274	6	“	"	PUNCT
ajiss-458	274	7	comparative	comparative	ADJ
ajiss-458	274	8	efficiency	efficiency	NOUN
ajiss-458	274	9	of	of	ADP
ajiss-458	274	10	the	the	DET
ajiss-458	274	11	islamic	islamic	PROPN
ajiss-458	274	12	bank	bank	PROPN
ajiss-458	274	13	vis	vis	X
ajiss-458	274	14	-	-	PUNCT
ajiss-458	274	15	à	à	X
ajiss-458	274	16	-	-	PUNCT
ajiss-458	274	17	vis	vis	X
ajiss-458	274	18	conventional	conventional	ADJ
ajiss-458	274	19	banks	bank	NOUN
ajiss-458	274	20	in	in	ADP
ajiss-458	274	21	malaysia	malaysia	PROPN
ajiss-458	274	22	,	,	PUNCT
ajiss-458	274	23	”	"	PUNCT
ajiss-458	274	24	journal	journal	NOUN
ajiss-458	274	25	of	of	ADP
ajiss-458	274	26	management	management	NOUN
ajiss-458	274	27	and	and	CCONJ
ajiss-458	274	28	finance	finance	NOUN
ajiss-458	274	29	7	7	NUM
ajiss-458	274	30	,	,	PUNCT
ajiss-458	274	31	no	no	INTJ
ajiss-458	274	32	.	.	NOUN
ajiss-458	274	33	2	2	NUM
ajiss-458	274	34	(	(	PUNCT
ajiss-458	274	35	1999	1999	NUM
ajiss-458	274	36	):	):	PUNCT
ajiss-458	274	37	1	1	NUM
ajiss-458	274	38	-	-	SYM
ajiss-458	274	39	24	24	NUM
ajiss-458	274	40	.	.	PUNCT
ajiss-458	274	41	18	18	NUM
ajiss-458	274	42	.	.	PUNCT
ajiss-458	274	43	abdus	abdus	PROPN
ajiss-458	274	44	samad	samad	PROPN
ajiss-458	274	45	and	and	CCONJ
ajiss-458	274	46	m.	m.	PROPN
ajiss-458	274	47	kabir	kabir	PROPN
ajiss-458	274	48	hasan	hasan	PROPN
ajiss-458	274	49	,	,	PUNCT
ajiss-458	274	50	“	"	PUNCT
ajiss-458	274	51	the	the	DET
ajiss-458	274	52	performance	performance	NOUN
ajiss-458	274	53	of	of	ADP
ajiss-458	274	54	malaysian	malaysian	ADJ
ajiss-458	274	55	islamic	islamic	PROPN
ajiss-458	274	56	bank	bank	PROPN
ajiss-458	274	57	during	during	ADP
ajiss-458	274	58	1984	1984	NUM
ajiss-458	274	59	-	-	SYM
ajiss-458	274	60	1997	1997	NUM
ajiss-458	274	61	:	:	PUNCT
ajiss-458	274	62	an	an	DET
ajiss-458	274	63	exploratory	exploratory	ADJ
ajiss-458	274	64	study	study	NOUN
ajiss-458	274	65	,	,	PUNCT
ajiss-458	274	66	”	"	PUNCT
ajiss-458	274	67	thoughts	thought	NOUN
ajiss-458	274	68	on	on	ADP
ajiss-458	274	69	economics	economic	NOUN
ajiss-458	274	70	10	10	NUM
ajiss-458	274	71	,	,	PUNCT
ajiss-458	274	72	nos	nos	NOUN
ajiss-458	274	73	.	.	PROPN
ajiss-458	274	74	1	1	NUM
ajiss-458	274	75	-	-	SYM
ajiss-458	274	76	2	2	NUM
ajiss-458	274	77	(	(	PUNCT
ajiss-458	274	78	2000	2000	NUM
ajiss-458	274	79	):	):	PUNCT
ajiss-458	274	80	7	7	NUM
ajiss-458	274	81	-	-	SYM
ajiss-458	274	82	26	26	NUM
ajiss-458	274	83	.	.	PUNCT
ajiss-458	274	84	19	19	NUM
ajiss-458	274	85	.	.	PUNCT
ajiss-458	274	86	r.	r.	PROPN
ajiss-458	274	87	k.	k.	PROPN
ajiss-458	274	88	de	de	PROPN
ajiss-458	274	89	belder	belder	NOUN
ajiss-458	274	90	and	and	CCONJ
ajiss-458	274	91	m.	m.	NOUN
ajiss-458	274	92	hassan	hassan	PROPN
ajiss-458	274	93	,	,	PUNCT
ajiss-458	274	94	“	"	PUNCT
ajiss-458	274	95	the	the	DET
ajiss-458	274	96	changing	change	VERB
ajiss-458	274	97	face	face	NOUN
ajiss-458	274	98	of	of	ADP
ajiss-458	274	99	islamic	islamic	ADJ
ajiss-458	274	100	banking	banking	NOUN
ajiss-458	274	101	,	,	PUNCT
ajiss-458	274	102	”	"	PUNCT
ajiss-458	274	103	international	international	ADJ
ajiss-458	274	104	financial	financial	ADJ
ajiss-458	274	105	law	law	NOUN
ajiss-458	274	106	review	review	NOUN
ajiss-458	274	107	1	1	NUM
ajiss-458	274	108	(	(	PUNCT
ajiss-458	274	109	1993	1993	NUM
ajiss-458	274	110	):	):	PUNCT
ajiss-458	274	111	23	23	NUM
ajiss-458	274	112	-	-	SYM
ajiss-458	274	113	26	26	NUM
ajiss-458	274	114	.	.	PUNCT
ajiss-458	274	115	20	20	NUM
ajiss-458	274	116	.	.	PUNCT
ajiss-458	274	117	b.	b.	PROPN
ajiss-458	274	118	hamwi	hamwi	PROPN
ajiss-458	274	119	and	and	CCONJ
ajiss-458	274	120	a.	a.	NOUN
ajiss-458	274	121	aylward	aylward	NOUN
ajiss-458	274	122	,	,	PUNCT
ajiss-458	274	123	“	"	PUNCT
ajiss-458	274	124	islamic	islamic	ADJ
ajiss-458	274	125	finance	finance	NOUN
ajiss-458	274	126	:	:	PUNCT
ajiss-458	274	127	a	a	DET
ajiss-458	274	128	growing	grow	VERB
ajiss-458	274	129	international	international	ADJ
ajiss-458	274	130	market	market	NOUN
ajiss-458	274	131	,	,	PUNCT
ajiss-458	274	132	”	"	PUNCT
ajiss-458	274	133	thunderbird	thunderbird	PROPN
ajiss-458	274	134	international	international	PROPN
ajiss-458	274	135	business	business	PROPN
ajiss-458	274	136	review	review	NOUN
ajiss-458	274	137	3	3	NUM
ajiss-458	274	138	(	(	PUNCT
ajiss-458	274	139	1999	1999	NUM
ajiss-458	274	140	):	):	PUNCT
ajiss-458	274	141	407	407	NUM
ajiss-458	274	142	-	-	SYM
ajiss-458	274	143	20	20	NUM
ajiss-458	274	144	.	.	PUNCT
ajiss-458	275	1	21	21	NUM
ajiss-458	275	2	.	.	PUNCT
ajiss-458	275	3	abdus	abdus	PROPN
ajiss-458	275	4	samad	samad	PROPN
ajiss-458	275	5	,	,	PUNCT
ajiss-458	275	6	“	"	PUNCT
ajiss-458	275	7	performance	performance	NOUN
ajiss-458	275	8	of	of	ADP
ajiss-458	275	9	interest	interest	NOUN
ajiss-458	275	10	-	-	PUNCT
ajiss-458	275	11	free	free	ADJ
ajiss-458	275	12	islamic	islamic	ADJ
ajiss-458	275	13	banks	bank	NOUN
ajiss-458	275	14	vis	vis	X
ajiss-458	275	15	-	-	PUNCT
ajiss-458	275	16	à	à	X
ajiss-458	275	17	-	-	PUNCT
ajiss-458	275	18	vis	vis	X
ajiss-458	275	19	interestbased	interestbase	VERB
ajiss-458	275	20	conventional	conventional	ADJ
ajiss-458	275	21	banks	bank	NOUN
ajiss-458	275	22	,	,	PUNCT
ajiss-458	275	23	”	"	PUNCT
ajiss-458	275	24	iium	iium	NOUN
ajiss-458	275	25	journal	journal	NOUN
ajiss-458	275	26	of	of	ADP
ajiss-458	275	27	economics	economic	NOUN
ajiss-458	275	28	and	and	CCONJ
ajiss-458	275	29	management	management	NOUN
ajiss-458	275	30	12	12	NUM
ajiss-458	275	31	,	,	PUNCT
ajiss-458	275	32	no	no	INTJ
ajiss-458	275	33	.	.	NOUN
ajiss-458	275	34	2	2	NUM
ajiss-458	275	35	(	(	PUNCT
ajiss-458	275	36	2004	2004	NUM
ajiss-458	275	37	):	):	PUNCT
ajiss-458	275	38	115	115	NUM
ajiss-458	275	39	-	-	SYM
ajiss-458	275	40	29	29	NUM
ajiss-458	275	41	.	.	PUNCT
ajiss-458	276	1	22	22	NUM
ajiss-458	276	2	.	.	PUNCT
ajiss-458	277	1	z.	z.	PROPN
ajiss-458	277	2	iqbal	iqbal	PROPN
ajiss-458	277	3	and	and	CCONJ
ajiss-458	277	4	a.	a.	NOUN
ajiss-458	277	5	mirakhor	mirakhor	NOUN
ajiss-458	277	6	,	,	PUNCT
ajiss-458	277	7	“	"	PUNCT
ajiss-458	277	8	progress	progress	NOUN
ajiss-458	277	9	and	and	CCONJ
ajiss-458	277	10	challenges	challenge	NOUN
ajiss-458	277	11	,	,	PUNCT
ajiss-458	277	12	”	"	PUNCT
ajiss-458	277	13	397	397	NUM
ajiss-458	277	14	23	23	NUM
ajiss-458	277	15	.	.	PUNCT
ajiss-458	278	1	m.	m.	PROPN
ajiss-458	278	2	h.	h.	PROPN
ajiss-458	278	3	kamali	kamali	PROPN
ajiss-458	278	4	,	,	PUNCT
ajiss-458	278	5	“	"	PUNCT
ajiss-458	278	6	islamic	islamic	ADJ
ajiss-458	278	7	commercial	commercial	ADJ
ajiss-458	278	8	law	law	NOUN
ajiss-458	278	9	:	:	PUNCT
ajiss-458	278	10	an	an	DET
ajiss-458	278	11	analysis	analysis	NOUN
ajiss-458	278	12	of	of	ADP
ajiss-458	278	13	futures	future	NOUN
ajiss-458	278	14	,	,	PUNCT
ajiss-458	278	15	”	"	PUNCT
ajiss-458	278	16	american	american	ADJ
ajiss-458	278	17	journal	journal	PROPN
ajiss-458	278	18	of	of	ADP
ajiss-458	278	19	islamic	islamic	ADJ
ajiss-458	278	20	social	social	PROPN
ajiss-458	278	21	sciences	science	NOUN
ajiss-458	278	22	13	13	NUM
ajiss-458	278	23	,	,	PUNCT
ajiss-458	278	24	no	no	INTJ
ajiss-458	278	25	.	.	NOUN
ajiss-458	278	26	2	2	NUM
ajiss-458	278	27	(	(	PUNCT
ajiss-458	278	28	1996	1996	NUM
ajiss-458	278	29	):	):	PUNCT
ajiss-458	278	30	197	197	NUM
ajiss-458	278	31	-	-	SYM
ajiss-458	278	32	224	224	NUM
ajiss-458	278	33	.	.	PUNCT
ajiss-458	279	1	24	24	NUM
ajiss-458	279	2	.	.	PUNCT
ajiss-458	279	3	a.	a.	PROPN
ajiss-458	279	4	f.	f.	PROPN
ajiss-458	279	5	el	el	PROPN
ajiss-458	279	6	-	-	PROPN
ajiss-458	279	7	ashkar	ashkar	PROPN
ajiss-458	279	8	,	,	PUNCT
ajiss-458	279	9	“	"	PUNCT
ajiss-458	279	10	towards	towards	ADP
ajiss-458	279	11	an	an	DET
ajiss-458	279	12	islamic	islamic	ADJ
ajiss-458	279	13	stock	stock	NOUN
ajiss-458	279	14	exchange	exchange	NOUN
ajiss-458	279	15	in	in	ADP
ajiss-458	279	16	a	a	DET
ajiss-458	279	17	transition	transition	NOUN
ajiss-458	279	18	stage	stage	NOUN
ajiss-458	279	19	,	,	PUNCT
ajiss-458	279	20	”	"	PUNCT
ajiss-458	279	21	islamic	islamic	ADJ
ajiss-458	279	22	economic	economic	ADJ
ajiss-458	279	23	studies	study	NOUN
ajiss-458	279	24	3	3	NUM
ajiss-458	279	25	,	,	PUNCT
ajiss-458	279	26	no	no	INTJ
ajiss-458	279	27	.	.	NOUN
ajiss-458	279	28	1	1	NUM
ajiss-458	279	29	(	(	PUNCT
ajiss-458	279	30	1995	1995	NUM
ajiss-458	279	31	):	):	PUNCT
ajiss-458	279	32	89	89	NUM
ajiss-458	279	33	.	.	X
ajiss-458	280	1	25	25	NUM
ajiss-458	280	2	.	.	PUNCT
ajiss-458	281	1	maniam	maniam	PROPN
ajiss-458	281	2	,	,	PUNCT
ajiss-458	281	3	bexley	bexley	NOUN
ajiss-458	281	4	,	,	PUNCT
ajiss-458	281	5	and	and	CCONJ
ajiss-458	281	6	james	james	PROPN
ajiss-458	281	7	,	,	PUNCT
ajiss-458	281	8	“	"	PUNCT
ajiss-458	281	9	perception	perception	NOUN
ajiss-458	281	10	,	,	PUNCT
ajiss-458	281	11	”	"	PUNCT
ajiss-458	281	12	25	25	NUM
ajiss-458	281	13	.	.	NOUN
ajiss-458	281	14	26	26	NUM
ajiss-458	281	15	.	.	PUNCT
ajiss-458	282	1	hamwi	hamwi	PROPN
ajiss-458	282	2	and	and	CCONJ
ajiss-458	282	3	aylward	aylward	NOUN
ajiss-458	282	4	,	,	PUNCT
ajiss-458	282	5	“	"	PUNCT
ajiss-458	282	6	islamic	islamic	ADJ
ajiss-458	282	7	finance	finance	NOUN
ajiss-458	282	8	.	.	PUNCT
ajiss-458	282	9	”	"	PUNCT
ajiss-458	283	1	27	27	NUM
ajiss-458	283	2	.	.	PUNCT
ajiss-458	284	1	maniam	maniam	PROPN
ajiss-458	284	2	,	,	PUNCT
ajiss-458	284	3	bexley	bexley	NOUN
ajiss-458	284	4	,	,	PUNCT
ajiss-458	284	5	and	and	CCONJ
ajiss-458	284	6	james	james	PROPN
ajiss-458	284	7	,	,	PUNCT
ajiss-458	284	8	“	"	PUNCT
ajiss-458	284	9	perception	perception	NOUN
ajiss-458	284	10	,	,	PUNCT
ajiss-458	284	11	”	"	PUNCT
ajiss-458	284	12	26	26	NUM
ajiss-458	284	13	.	.	PUNCT
ajiss-458	284	14	28	28	NUM
ajiss-458	284	15	.	.	PUNCT
ajiss-458	284	16	ibid	ibid	NOUN
ajiss-458	284	17	.	.	PUNCT
ajiss-458	285	1	29	29	NUM
ajiss-458	285	2	.	.	PUNCT
ajiss-458	285	3	m.	m.	PROPN
ajiss-458	285	4	josh	josh	PROPN
ajiss-458	285	5	,	,	PUNCT
ajiss-458	285	6	“	"	PUNCT
ajiss-458	285	7	islamic	islamic	ADJ
ajiss-458	285	8	banking	banking	NOUN
ajiss-458	285	9	rises	rise	VERB
ajiss-458	285	10	interest	interest	NOUN
ajiss-458	285	11	,	,	PUNCT
ajiss-458	285	12	”	"	PUNCT
ajiss-458	285	13	management	management	NOUN
ajiss-458	285	14	review	review	NOUN
ajiss-458	285	15	2	2	NUM
ajiss-458	285	16	(	(	PUNCT
ajiss-458	285	17	1997	1997	NUM
ajiss-458	285	18	):	):	PUNCT
ajiss-458	285	19	2529	2529	NUM
ajiss-458	285	20	.	.	PUNCT
ajiss-458	286	1	30	30	NUM
ajiss-458	286	2	.	.	PUNCT
ajiss-458	287	1	laubon	laubon	NOUN
ajiss-458	287	2	and	and	CCONJ
ajiss-458	287	3	manana	manana	PROPN
ajiss-458	287	4	are	be	AUX
ajiss-458	287	5	important	important	ADJ
ajiss-458	287	6	centers	center	NOUN
ajiss-458	287	7	of	of	ADP
ajiss-458	287	8	offshore	offshore	ADJ
ajiss-458	287	9	banking	banking	NOUN
ajiss-458	287	10	in	in	ADP
ajiss-458	287	11	malaysia	malaysia	PROPN
ajiss-458	287	12	and	and	CCONJ
ajiss-458	287	13	bahrain	bahrain	PROPN
ajiss-458	287	14	,	,	PUNCT
ajiss-458	287	15	respectively	respectively	ADV
ajiss-458	287	16	.	.	PUNCT
ajiss-458	288	1	31	31	NUM
ajiss-458	288	2	.	.	PUNCT
ajiss-458	289	1	jensen	jensen	PROPN
ajiss-458	289	2	and	and	CCONJ
ajiss-458	289	3	meckling	meckling	NOUN
ajiss-458	289	4	have	have	AUX
ajiss-458	289	5	identified	identify	VERB
ajiss-458	289	6	significant	significant	ADJ
ajiss-458	289	7	costs	cost	NOUN
ajiss-458	289	8	associated	associate	VERB
ajiss-458	289	9	with	with	ADP
ajiss-458	289	10	the	the	DET
ajiss-458	289	11	agency	agency	NOUN
ajiss-458	289	12	problem	problem	NOUN
ajiss-458	289	13	.	.	PUNCT
ajiss-458	290	1	m.	m.	NOUN
ajiss-458	290	2	c.	c.	PROPN
ajiss-458	290	3	jensen	jensen	PROPN
ajiss-458	290	4	and	and	CCONJ
ajiss-458	290	5	w.	w.	PROPN
ajiss-458	290	6	h.	h.	PROPN
ajiss-458	290	7	meckling	meckling	PROPN
ajiss-458	290	8	,	,	PUNCT
ajiss-458	290	9	“	"	PUNCT
ajiss-458	290	10	theory	theory	NOUN
ajiss-458	290	11	of	of	ADP
ajiss-458	290	12	the	the	DET
ajiss-458	290	13	firm	firm	NOUN
ajiss-458	290	14	:	:	PUNCT
ajiss-458	290	15	managerial	managerial	ADJ
ajiss-458	290	16	behavior	behavior	NOUN
ajiss-458	290	17	,	,	PUNCT
ajiss-458	290	18	agency	agency	NOUN
ajiss-458	290	19	costs	cost	NOUN
ajiss-458	290	20	and	and	CCONJ
ajiss-458	290	21	ownership	ownership	NOUN
ajiss-458	290	22	structure	structure	NOUN
ajiss-458	290	23	,	,	PUNCT
ajiss-458	290	24	”	"	PUNCT
ajiss-458	290	25	journal	journal	NOUN
ajiss-458	290	26	of	of	ADP
ajiss-458	290	27	financial	financial	ADJ
ajiss-458	290	28	economics	economic	NOUN
ajiss-458	290	29	3	3	NUM
ajiss-458	290	30	(	(	PUNCT
ajiss-458	290	31	1976	1976	NUM
ajiss-458	290	32	):	):	PUNCT
ajiss-458	290	33	305	305	NUM
ajiss-458	290	34	-	-	SYM
ajiss-458	290	35	60	60	NUM
ajiss-458	290	36	.	.	PUNCT
ajiss-458	291	1	32	32	NUM
ajiss-458	291	2	.	.	PUNCT
ajiss-458	292	1	in	in	ADP
ajiss-458	292	2	a	a	DET
ajiss-458	292	3	landmark	landmark	NOUN
ajiss-458	292	4	study	study	NOUN
ajiss-458	292	5	,	,	PUNCT
ajiss-458	292	6	lewellen	lewellen	PROPN
ajiss-458	292	7	found	find	VERB
ajiss-458	292	8	that	that	SCONJ
ajiss-458	292	9	in	in	ADP
ajiss-458	292	10	the	the	DET
ajiss-458	292	11	american	american	ADJ
ajiss-458	292	12	financial	financial	ADJ
ajiss-458	292	13	system	system	NOUN
ajiss-458	292	14	,	,	PUNCT
ajiss-458	292	15	this	this	DET
ajiss-458	292	16	agency	agency	NOUN
ajiss-458	292	17	problem	problem	NOUN
ajiss-458	292	18	has	have	AUX
ajiss-458	292	19	been	be	AUX
ajiss-458	292	20	largely	largely	ADV
ajiss-458	292	21	mitigated	mitigate	VERB
ajiss-458	292	22	by	by	ADP
ajiss-458	292	23	the	the	DET
ajiss-458	292	24	use	use	NOUN
ajiss-458	292	25	of	of	ADP
ajiss-458	292	26	executive	executive	ADJ
ajiss-458	292	27	stock	stock	NOUN
ajiss-458	292	28	options	option	NOUN
ajiss-458	292	29	.	.	PUNCT
ajiss-458	293	1	these	these	DET
ajiss-458	293	2	stock	stock	NOUN
ajiss-458	293	3	options	option	NOUN
ajiss-458	293	4	provide	provide	VERB
ajiss-458	293	5	the	the	DET
ajiss-458	293	6	incentive	incentive	NOUN
ajiss-458	293	7	for	for	SCONJ
ajiss-458	293	8	managers	manager	NOUN
ajiss-458	293	9	to	to	PART
ajiss-458	293	10	maximize	maximize	VERB
ajiss-458	293	11	shareholder	shareholder	NOUN
ajiss-458	293	12	wealth	wealth	NOUN
ajiss-458	293	13	,	,	PUNCT
ajiss-458	293	14	and	and	CCONJ
ajiss-458	293	15	thus	thus	ADV
ajiss-458	293	16	significantly	significantly	ADV
ajiss-458	293	17	reduce	reduce	VERB
ajiss-458	293	18	the	the	DET
ajiss-458	293	19	agency	agency	NOUN
ajiss-458	293	20	problem	problem	NOUN
ajiss-458	293	21	.	.	PUNCT
ajiss-458	294	1	wilbur	wilbur	PROPN
ajiss-458	294	2	g.	g.	PROPN
ajiss-458	294	3	lewellen	lewellen	PROPN
ajiss-458	294	4	,	,	PUNCT
ajiss-458	294	5	“	"	PUNCT
ajiss-458	294	6	management	management	NOUN
ajiss-458	294	7	and	and	CCONJ
ajiss-458	294	8	ownership	ownership	NOUN
ajiss-458	294	9	in	in	ADP
ajiss-458	294	10	the	the	DET
ajiss-458	294	11	large	large	ADJ
ajiss-458	294	12	firm	firm	NOUN
ajiss-458	294	13	,	,	PUNCT
ajiss-458	294	14	”	"	PUNCT
ajiss-458	294	15	journal	journal	NOUN
ajiss-458	294	16	of	of	ADP
ajiss-458	294	17	finance	finance	NOUN
ajiss-458	294	18	(	(	PUNCT
ajiss-458	294	19	may	may	PROPN
ajiss-458	294	20	1969	1969	NUM
ajiss-458	294	21	):	):	PUNCT
ajiss-458	294	22	299	299	NUM
ajiss-458	294	23	-	-	SYM
ajiss-458	294	24	322	322	NUM
ajiss-458	294	25	.	.	NOUN
ajiss-458	295	1	33	33	NUM
ajiss-458	295	2	.	.	PUNCT
ajiss-458	295	3	bacha	bacha	PROPN
ajiss-458	295	4	,	,	PUNCT
ajiss-458	295	5	“	"	PUNCT
ajiss-458	295	6	conventional	conventional	ADJ
ajiss-458	295	7	versus	versus	ADP
ajiss-458	295	8	mudarabah	mudarabah	NOUN
ajiss-458	295	9	financing	financing	NOUN
ajiss-458	295	10	,	,	PUNCT
ajiss-458	295	11	”	"	PUNCT
ajiss-458	295	12	40	40	NUM
ajiss-458	295	13	.	.	PUNCT
ajiss-458	296	1	34	34	NUM
ajiss-458	296	2	.	.	PUNCT
ajiss-458	296	3	paolo	paolo	PROPN
ajiss-458	296	4	mauro	mauro	PROPN
ajiss-458	296	5	,	,	PUNCT
ajiss-458	296	6	“	"	PUNCT
ajiss-458	296	7	corruption	corruption	NOUN
ajiss-458	296	8	and	and	CCONJ
ajiss-458	296	9	growth	growth	NOUN
ajiss-458	296	10	,	,	PUNCT
ajiss-458	296	11	”	"	PUNCT
ajiss-458	296	12	quarterly	quarterly	ADJ
ajiss-458	296	13	journal	journal	NOUN
ajiss-458	296	14	of	of	ADP
ajiss-458	296	15	economics	economic	NOUN
ajiss-458	296	16	110	110	NUM
ajiss-458	296	17	,	,	PUNCT
ajiss-458	296	18	(	(	PUNCT
ajiss-458	296	19	1995	1995	NUM
ajiss-458	296	20	):	):	PUNCT
ajiss-458	296	21	618	618	NUM
ajiss-458	296	22	-	-	SYM
ajiss-458	296	23	712	712	NUM
ajiss-458	296	24	.	.	PUNCT
ajiss-458	296	25	35	35	NUM
ajiss-458	296	26	.	.	PUNCT
ajiss-458	296	27	oliver	oliver	PROPN
ajiss-458	296	28	hart	hart	PROPN
ajiss-458	296	29	and	and	CCONJ
ajiss-458	296	30	john	john	PROPN
ajiss-458	296	31	moore	moore	PROPN
ajiss-458	296	32	.	.	PUNCT
ajiss-458	297	1	“	"	PUNCT
ajiss-458	297	2	default	default	NOUN
ajiss-458	297	3	and	and	CCONJ
ajiss-458	297	4	renegotiation	renegotiation	NOUN
ajiss-458	297	5	:	:	PUNCT
ajiss-458	297	6	a	a	DET
ajiss-458	297	7	dynamic	dynamic	ADJ
ajiss-458	297	8	model	model	NOUN
ajiss-458	297	9	of	of	ADP
ajiss-458	297	10	debt	debt	NOUN
ajiss-458	297	11	,	,	PUNCT
ajiss-458	297	12	”	"	PUNCT
ajiss-458	297	13	quarterly	quarterly	ADJ
ajiss-458	297	14	journal	journal	NOUN
ajiss-458	297	15	of	of	ADP
ajiss-458	297	16	economics	economic	NOUN
ajiss-458	297	17	113	113	NUM
ajiss-458	297	18	(	(	PUNCT
ajiss-458	297	19	1998	1998	NUM
ajiss-458	297	20	):	):	PUNCT
ajiss-458	297	21	1	1	NUM
ajiss-458	297	22	-	-	SYM
ajiss-458	297	23	41	41	NUM
ajiss-458	297	24	.	.	PUNCT
ajiss-458	298	1	36	36	NUM
ajiss-458	298	2	.	.	PUNCT
ajiss-458	298	3	samad	samad	PROPN
ajiss-458	298	4	and	and	CCONJ
ajiss-458	298	5	hasan	hasan	PROPN
ajiss-458	298	6	,	,	PUNCT
ajiss-458	298	7	“	"	PUNCT
ajiss-458	298	8	performance	performance	NOUN
ajiss-458	298	9	.	.	PUNCT
ajiss-458	298	10	”	"	PUNCT
ajiss-458	299	1	37	37	NUM
ajiss-458	299	2	.	.	PUNCT
ajiss-458	300	1	maniam	maniam	PROPN
ajiss-458	300	2	,	,	PUNCT
ajiss-458	300	3	bexley	bexley	NOUN
ajiss-458	300	4	,	,	PUNCT
ajiss-458	300	5	and	and	CCONJ
ajiss-458	300	6	james	james	PROPN
ajiss-458	300	7	,	,	PUNCT
ajiss-458	300	8	“	"	PUNCT
ajiss-458	300	9	perception	perception	NOUN
ajiss-458	300	10	.	.	PUNCT
ajiss-458	300	11	”	"	PUNCT
ajiss-458	301	1	86	86	NUM
ajiss-458	301	2	the	the	DET
ajiss-458	301	3	american	american	PROPN
ajiss-458	301	4	journal	journal	PROPN
ajiss-458	301	5	of	of	ADP
ajiss-458	301	6	islamic	islamic	ADJ
ajiss-458	301	7	social	social	ADJ
ajiss-458	301	8	sciences	science	NOUN
ajiss-458	301	9	22:2	22:2	NUM