id	sid	tid	token	lemma	pos
ajfa-918	1	1	microsoft	microsoft	PROPN
ajfa-918	1	2	word	word	NOUN
ajfa-918	1	3	918	918	NUM
ajfa-918	1	4	-	-	SYM
ajfa-918	1	5	3765	3765	NUM
ajfa-918	1	6	-	-	PUNCT
ajfa-918	1	7	1	1	NUM
ajfa-918	1	8	-	-	PUNCT
ajfa-918	1	9	sm	sm	NOUN
ajfa-918	1	10	-	-	PUNCT
ajfa-918	1	11	writer2	writer2	VERB
ajfa-918	1	12	-	-	ADJ
ajfa-918	1	13	new	new	ADJ
ajfa-918	1	14	asian	asian	ADJ
ajfa-918	1	15	journal	journal	NOUN
ajfa-918	1	16	of	of	ADP
ajfa-918	1	17	finance	finance	PROPN
ajfa-918	1	18	&	&	CCONJ
ajfa-918	1	19	accounting	accounting	PROPN
ajfa-918	1	20	issn	issn	PROPN
ajfa-918	1	21	1946	1946	NUM
ajfa-918	1	22	-	-	PUNCT
ajfa-918	1	23	052x	052x	NOUN
ajfa-918	1	24	2011	2011	NUM
ajfa-918	1	25	,	,	PUNCT
ajfa-918	1	26	vol	vol	NOUN
ajfa-918	1	27	.	.	PROPN
ajfa-918	2	1	3	3	NUM
ajfa-918	2	2	,	,	PUNCT
ajfa-918	2	3	no	no	INTJ
ajfa-918	2	4	.	.	NOUN
ajfa-918	2	5	1	1	NUM
ajfa-918	2	6	:	:	PUNCT
ajfa-918	2	7	e4	e4	PROPN
ajfa-918	2	8	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-918	2	9	56	56	NUM
ajfa-918	2	10	barriers	barrier	NOUN
ajfa-918	2	11	to	to	ADP
ajfa-918	2	12	islamic	islamic	ADJ
ajfa-918	2	13	banking	banking	NOUN
ajfa-918	2	14	growthbank	growthbank	NOUN
ajfa-918	2	15	employees	employee	NOUN
ajfa-918	2	16	’	’	PART
ajfa-918	2	17	perspective	perspective	NOUN
ajfa-918	2	18	from	from	ADP
ajfa-918	2	19	pakistan	pakistan	PROPN
ajfa-918	2	20	adnan	adnan	PROPN
ajfa-918	2	21	bashir	bashir	PROPN
ajfa-918	2	22	lecturer	lecturer	PROPN
ajfa-918	2	23	,	,	PUNCT
ajfa-918	2	24	faculty	faculty	NOUN
ajfa-918	2	25	of	of	ADP
ajfa-918	2	26	management	management	NOUN
ajfa-918	2	27	&	&	CCONJ
ajfa-918	2	28	administrative	administrative	PROPN
ajfa-918	2	29	sciences	sciences	PROPN
ajfa-918	2	30	university	university	PROPN
ajfa-918	2	31	of	of	ADP
ajfa-918	2	32	gujrat	gujrat	PROPN
ajfa-918	2	33	,	,	PUNCT
ajfa-918	2	34	pakistan	pakistan	PROPN
ajfa-918	2	35	e	e	NOUN
ajfa-918	2	36	-	-	NOUN
ajfa-918	2	37	mail	mail	NOUN
ajfa-918	2	38	:	:	PUNCT
ajfa-918	2	39	adnan.bashir@uog.edu.pk	adnan.bashir@uog.edu.pk	PROPN
ajfa-918	2	40	mirza	mirza	PROPN
ajfa-918	2	41	rizwan	rizwan	PROPN
ajfa-918	2	42	sajid	sajid	PROPN
ajfa-918	2	43	lecturer	lecturer	PROPN
ajfa-918	2	44	,	,	PUNCT
ajfa-918	2	45	faculty	faculty	NOUN
ajfa-918	2	46	of	of	ADP
ajfa-918	2	47	statistics	statistics	PROPN
ajfa-918	2	48	university	university	PROPN
ajfa-918	2	49	of	of	ADP
ajfa-918	2	50	gujrat	gujrat	PROPN
ajfa-918	2	51	,	,	PUNCT
ajfa-918	2	52	pakistan	pakistan	PROPN
ajfa-918	2	53	e	e	NOUN
ajfa-918	2	54	-	-	NOUN
ajfa-918	2	55	mail	mail	NOUN
ajfa-918	2	56	:	:	PUNCT
ajfa-918	2	57	mirza.rizwan@uog.edu.pk	mirza.rizwan@uog.edu.pk	ADJ
ajfa-918	2	58	samra	samra	PROPN
ajfa-918	2	59	iqbal	iqbal	PROPN
ajfa-918	2	60	mphil	mphil	PROPN
ajfa-918	2	61	scholar	scholar	PROPN
ajfa-918	2	62	,	,	PUNCT
ajfa-918	2	63	department	department	NOUN
ajfa-918	2	64	of	of	ADP
ajfa-918	2	65	economics	economics	PROPN
ajfa-918	2	66	university	university	PROPN
ajfa-918	2	67	of	of	ADP
ajfa-918	2	68	gujrat	gujrat	PROPN
ajfa-918	2	69	,	,	PUNCT
ajfa-918	2	70	pakistan	pakistan	PROPN
ajfa-918	2	71	e	e	NOUN
ajfa-918	2	72	-	-	NOUN
ajfa-918	2	73	mail	mail	NOUN
ajfa-918	2	74	:	:	PUNCT
ajfa-918	2	75	samrabashir@yahoo.com	samrabashir@yahoo.com	X
ajfa-918	2	76	received	receive	VERB
ajfa-918	2	77	:	:	PUNCT
ajfa-918	2	78	september	september	PROPN
ajfa-918	2	79	1	1	NUM
ajfa-918	2	80	,	,	PUNCT
ajfa-918	2	81	2011	2011	NUM
ajfa-918	2	82	accepted	accept	VERB
ajfa-918	2	83	:	:	PUNCT
ajfa-918	2	84	november	november	PROPN
ajfa-918	2	85	20	20	NUM
ajfa-918	2	86	,	,	PUNCT
ajfa-918	2	87	2011	2011	NUM
ajfa-918	2	88	published	publish	VERB
ajfa-918	2	89	:	:	PUNCT
ajfa-918	2	90	december	december	PROPN
ajfa-918	2	91	1	1	NUM
ajfa-918	2	92	,	,	PUNCT
ajfa-918	2	93	2011	2011	NUM
ajfa-918	2	94	doi:10.5296	doi:10.5296	NOUN
ajfa-918	2	95	/	/	SYM
ajfa-918	2	96	ajfa.v3i1.918	ajfa.v3i1.918	PROPN
ajfa-918	2	97	url	url	NOUN
ajfa-918	2	98	:	:	PUNCT
ajfa-918	2	99	http://dx.doi.org/10.5296/ajfa.v3i1.918	http://dx.doi.org/10.5296/ajfa.v3i1.918	PROPN
ajfa-918	2	100	abstract	abstract	ADJ
ajfa-918	2	101	the	the	DET
ajfa-918	2	102	concept	concept	NOUN
ajfa-918	2	103	of	of	ADP
ajfa-918	2	104	islamic	islamic	ADJ
ajfa-918	2	105	banking	banking	NOUN
ajfa-918	2	106	(	(	PUNCT
ajfa-918	2	107	ib	ib	NOUN
ajfa-918	2	108	)	)	PUNCT
ajfa-918	2	109	in	in	ADP
ajfa-918	2	110	pakistan	pakistan	PROPN
ajfa-918	2	111	traces	trace	VERB
ajfa-918	2	112	its	its	PRON
ajfa-918	2	113	roots	root	NOUN
ajfa-918	2	114	back	back	ADV
ajfa-918	2	115	to	to	ADP
ajfa-918	2	116	late	late	ADJ
ajfa-918	2	117	70s	70	NOUN
ajfa-918	2	118	.	.	PUNCT
ajfa-918	3	1	since	since	SCONJ
ajfa-918	3	2	its	its	PRON
ajfa-918	3	3	inception	inception	NOUN
ajfa-918	3	4	it	it	PRON
ajfa-918	3	5	has	have	AUX
ajfa-918	3	6	had	have	VERB
ajfa-918	3	7	its	its	PRON
ajfa-918	3	8	fair	fair	ADJ
ajfa-918	3	9	share	share	NOUN
ajfa-918	3	10	of	of	ADP
ajfa-918	3	11	growth	growth	NOUN
ajfa-918	3	12	.	.	PUNCT
ajfa-918	4	1	the	the	DET
ajfa-918	4	2	ib	ib	NOUN
ajfa-918	4	3	industry	industry	NOUN
ajfa-918	4	4	,	,	PUNCT
ajfa-918	4	5	despite	despite	SCONJ
ajfa-918	4	6	its	its	PRON
ajfa-918	4	7	growth	growth	NOUN
ajfa-918	4	8	during	during	ADP
ajfa-918	4	9	the	the	DET
ajfa-918	4	10	last	last	ADJ
ajfa-918	4	11	few	few	ADJ
ajfa-918	4	12	years	year	NOUN
ajfa-918	4	13	,	,	PUNCT
ajfa-918	4	14	has	have	AUX
ajfa-918	4	15	not	not	PART
ajfa-918	4	16	fully	fully	ADV
ajfa-918	4	17	nurtured	nurture	VERB
ajfa-918	4	18	and	and	CCONJ
ajfa-918	4	19	its	its	PRON
ajfa-918	4	20	share	share	NOUN
ajfa-918	4	21	in	in	ADP
ajfa-918	4	22	banking	banking	NOUN
ajfa-918	4	23	industry	industry	NOUN
ajfa-918	4	24	is	be	AUX
ajfa-918	4	25	moderate	moderate	ADJ
ajfa-918	4	26	6.4	6.4	NUM
ajfa-918	4	27	%	%	NOUN
ajfa-918	4	28	.	.	PUNCT
ajfa-918	5	1	this	this	DET
ajfa-918	5	2	study	study	NOUN
ajfa-918	5	3	explores	explore	VERB
ajfa-918	5	4	the	the	DET
ajfa-918	5	5	view	view	NOUN
ajfa-918	5	6	point	point	NOUN
ajfa-918	5	7	of	of	ADP
ajfa-918	5	8	bank	bank	NOUN
ajfa-918	5	9	employees	employee	NOUN
ajfa-918	5	10	of	of	ADP
ajfa-918	5	11	gujranwala	gujranwala	PROPN
ajfa-918	5	12	division	division	NOUN
ajfa-918	5	13	pakistan	pakistan	PROPN
ajfa-918	5	14	regarding	regard	VERB
ajfa-918	5	15	this	this	DET
ajfa-918	5	16	statistics	statistic	NOUN
ajfa-918	5	17	.	.	PUNCT
ajfa-918	6	1	by	by	ADP
ajfa-918	6	2	using	use	VERB
ajfa-918	6	3	a	a	DET
ajfa-918	6	4	sample	sample	NOUN
ajfa-918	6	5	of	of	ADP
ajfa-918	6	6	126	126	NUM
ajfa-918	6	7	respondents	respondent	NOUN
ajfa-918	6	8	,	,	PUNCT
ajfa-918	6	9	comprising	comprise	VERB
ajfa-918	6	10	islamic	islamic	PROPN
ajfa-918	6	11	bank	bank	PROPN
ajfa-918	6	12	employees	employee	NOUN
ajfa-918	6	13	(	(	PUNCT
ajfa-918	6	14	ibe	ibe	PROPN
ajfa-918	6	15	)	)	PUNCT
ajfa-918	6	16	and	and	CCONJ
ajfa-918	6	17	conventional	conventional	ADJ
ajfa-918	6	18	bank	bank	NOUN
ajfa-918	6	19	employees	employee	NOUN
ajfa-918	6	20	(	(	PUNCT
ajfa-918	6	21	cbe	cbe	PROPN
ajfa-918	6	22	)	)	PUNCT
ajfa-918	6	23	to	to	PART
ajfa-918	6	24	investigate	investigate	VERB
ajfa-918	6	25	the	the	DET
ajfa-918	6	26	factors	factor	NOUN
ajfa-918	6	27	responsible	responsible	ADJ
ajfa-918	6	28	for	for	ADP
ajfa-918	6	29	low	low	ADJ
ajfa-918	6	30	market	market	NOUN
ajfa-918	6	31	share	share	NOUN
ajfa-918	6	32	of	of	ADP
ajfa-918	6	33	islamic	islamic	ADJ
ajfa-918	6	34	banking	banking	NOUN
ajfa-918	6	35	in	in	ADP
ajfa-918	6	36	banking	banking	NOUN
ajfa-918	6	37	industry	industry	NOUN
ajfa-918	6	38	.	.	PUNCT
ajfa-918	7	1	our	our	PRON
ajfa-918	7	2	findings	finding	NOUN
ajfa-918	7	3	indicate	indicate	VERB
ajfa-918	7	4	that	that	SCONJ
ajfa-918	7	5	according	accord	VERB
ajfa-918	7	6	to	to	ADP
ajfa-918	7	7	over	over	ADP
ajfa-918	7	8	all	all	DET
ajfa-918	7	9	sample	sample	NOUN
ajfa-918	7	10	small	small	ADJ
ajfa-918	7	11	network	network	NOUN
ajfa-918	7	12	of	of	ADP
ajfa-918	7	13	branches	branch	NOUN
ajfa-918	7	14	,	,	PUNCT
ajfa-918	7	15	inadequate	inadequate	ADJ
ajfa-918	7	16	info	info	NOUN
ajfa-918	7	17	about	about	ADP
ajfa-918	7	18	islamic	islamic	ADJ
ajfa-918	7	19	banking	banking	NOUN
ajfa-918	7	20	services	service	NOUN
ajfa-918	7	21	,	,	PUNCT
ajfa-918	7	22	ignorance	ignorance	NOUN
ajfa-918	7	23	to	to	ADP
ajfa-918	7	24	teachings	teaching	NOUN
ajfa-918	7	25	of	of	ADP
ajfa-918	7	26	islam	islam	PROPN
ajfa-918	7	27	,	,	PUNCT
ajfa-918	7	28	trust	trust	NOUN
ajfa-918	7	29	deficiency	deficiency	NOUN
ajfa-918	7	30	towards	towards	ADP
ajfa-918	7	31	interest	interest	NOUN
ajfa-918	7	32	free	free	ADJ
ajfa-918	7	33	banking	banking	NOUN
ajfa-918	7	34	and	and	CCONJ
ajfa-918	7	35	location	location	NOUN
ajfa-918	7	36	of	of	ADP
ajfa-918	7	37	banks	bank	NOUN
ajfa-918	7	38	as	as	ADP
ajfa-918	7	39	the	the	DET
ajfa-918	7	40	main	main	ADJ
ajfa-918	7	41	reason	reason	NOUN
ajfa-918	7	42	for	for	ADP
ajfa-918	7	43	mere	mere	ADJ
ajfa-918	7	44	rise	rise	NOUN
ajfa-918	7	45	of	of	ADP
ajfa-918	7	46	islamic	islamic	ADJ
ajfa-918	7	47	banking	banking	NOUN
ajfa-918	7	48	.	.	PUNCT
ajfa-918	8	1	the	the	DET
ajfa-918	8	2	factors	factor	NOUN
ajfa-918	8	3	change	change	VERB
ajfa-918	8	4	if	if	SCONJ
ajfa-918	8	5	we	we	PRON
ajfa-918	8	6	divide	divide	VERB
ajfa-918	8	7	our	our	PRON
ajfa-918	8	8	sample	sample	NOUN
ajfa-918	8	9	in	in	ADP
ajfa-918	8	10	subsamples	subsample	NOUN
ajfa-918	8	11	of	of	ADP
ajfa-918	8	12	ibe	ibe	NOUN
ajfa-918	8	13	and	and	CCONJ
ajfa-918	8	14	cbe	cbe	PROPN
ajfa-918	8	15	.	.	PUNCT
ajfa-918	9	1	although	although	SCONJ
ajfa-918	9	2	considerable	considerable	ADJ
ajfa-918	9	3	work	work	NOUN
ajfa-918	9	4	in	in	ADP
ajfa-918	9	5	this	this	DET
ajfa-918	9	6	area	area	NOUN
ajfa-918	9	7	has	have	AUX
ajfa-918	9	8	been	be	AUX
ajfa-918	9	9	done	do	VERB
ajfa-918	9	10	in	in	ADP
ajfa-918	9	11	world	world	NOUN
ajfa-918	9	12	and	and	CCONJ
ajfa-918	9	13	pakistan	pakistan	PROPN
ajfa-918	9	14	is	be	AUX
ajfa-918	9	15	no	no	DET
ajfa-918	9	16	exception	exception	NOUN
ajfa-918	9	17	to	to	ADP
ajfa-918	9	18	this	this	PRON
ajfa-918	9	19	however	however	ADV
ajfa-918	9	20	,	,	PUNCT
ajfa-918	9	21	the	the	DET
ajfa-918	9	22	focus	focus	NOUN
ajfa-918	9	23	of	of	ADP
ajfa-918	9	24	majority	majority	NOUN
ajfa-918	9	25	of	of	ADP
ajfa-918	9	26	research	research	NOUN
ajfa-918	9	27	asian	asian	ADJ
ajfa-918	9	28	journal	journal	NOUN
ajfa-918	9	29	of	of	ADP
ajfa-918	9	30	finance	finance	PROPN
ajfa-918	9	31	&	&	CCONJ
ajfa-918	9	32	accounting	accounting	PROPN
ajfa-918	9	33	issn	issn	PROPN
ajfa-918	9	34	1946	1946	NUM
ajfa-918	9	35	-	-	PUNCT
ajfa-918	9	36	052x	052x	NOUN
ajfa-918	9	37	2011	2011	NUM
ajfa-918	9	38	,	,	PUNCT
ajfa-918	9	39	vol	vol	NOUN
ajfa-918	9	40	.	.	PROPN
ajfa-918	9	41	3	3	NUM
ajfa-918	9	42	,	,	PUNCT
ajfa-918	9	43	no	no	INTJ
ajfa-918	9	44	.	.	NOUN
ajfa-918	9	45	1	1	NUM
ajfa-918	9	46	:	:	PUNCT
ajfa-918	9	47	e4	e4	PROPN
ajfa-918	9	48	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-918	9	49	57	57	NUM
ajfa-918	9	50	is	be	AUX
ajfa-918	9	51	on	on	ADP
ajfa-918	9	52	the	the	DET
ajfa-918	9	53	customers	customer	NOUN
ajfa-918	9	54	view	view	NOUN
ajfa-918	9	55	point	point	NOUN
ajfa-918	9	56	.	.	PUNCT
ajfa-918	10	1	this	this	DET
ajfa-918	10	2	paper	paper	NOUN
ajfa-918	10	3	explores	explore	VERB
ajfa-918	10	4	the	the	DET
ajfa-918	10	5	roots	root	NOUN
ajfa-918	10	6	of	of	ADP
ajfa-918	10	7	modest	modest	ADJ
ajfa-918	10	8	share	share	NOUN
ajfa-918	10	9	of	of	ADP
ajfa-918	10	10	ib	ib	PROPN
ajfa-918	10	11	from	from	ADP
ajfa-918	10	12	bank	bank	PROPN
ajfa-918	10	13	employees	employee	NOUN
ajfa-918	10	14	’	’	PART
ajfa-918	10	15	angle	angle	NOUN
ajfa-918	10	16	.	.	PUNCT
ajfa-918	11	1	keywords	keyword	NOUN
ajfa-918	11	2	:	:	PUNCT
ajfa-918	11	3	bank	bank	NOUN
ajfa-918	11	4	employees	employee	NOUN
ajfa-918	11	5	,	,	PUNCT
ajfa-918	11	6	conventional	conventional	ADJ
ajfa-918	11	7	banking	banking	NOUN
ajfa-918	11	8	,	,	PUNCT
ajfa-918	11	9	employees	employee	NOUN
ajfa-918	11	10	,	,	PUNCT
ajfa-918	11	11	financial	financial	ADJ
ajfa-918	11	12	system	system	NOUN
ajfa-918	11	13	,	,	PUNCT
ajfa-918	11	14	islamic	islamic	ADJ
ajfa-918	11	15	banking	banking	NOUN
ajfa-918	11	16	.	.	PUNCT
ajfa-918	12	1	asian	asian	ADJ
ajfa-918	12	2	journal	journal	PROPN
ajfa-918	12	3	of	of	ADP
ajfa-918	12	4	finance	finance	PROPN
ajfa-918	12	5	&	&	CCONJ
ajfa-918	12	6	accounting	accounting	PROPN
ajfa-918	12	7	issn	issn	PROPN
ajfa-918	12	8	1946	1946	NUM
ajfa-918	12	9	-	-	PUNCT
ajfa-918	12	10	052x	052x	NOUN
ajfa-918	12	11	2011	2011	NUM
ajfa-918	12	12	,	,	PUNCT
ajfa-918	12	13	vol	vol	NOUN
ajfa-918	12	14	.	.	PROPN
ajfa-918	13	1	3	3	NUM
ajfa-918	13	2	,	,	PUNCT
ajfa-918	13	3	no	no	INTJ
ajfa-918	13	4	.	.	NOUN
ajfa-918	13	5	1	1	NUM
ajfa-918	13	6	:	:	PUNCT
ajfa-918	13	7	e4	e4	PROPN
ajfa-918	13	8	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-918	13	9	58	58	NUM
ajfa-918	13	10	1	1	NUM
ajfa-918	13	11	.	.	PUNCT
ajfa-918	14	1	introduction	introduction	NOUN
ajfa-918	14	2	the	the	DET
ajfa-918	14	3	concept	concept	NOUN
ajfa-918	14	4	of	of	ADP
ajfa-918	14	5	islamic	islamic	ADJ
ajfa-918	14	6	financial	financial	ADJ
ajfa-918	14	7	system	system	NOUN
ajfa-918	14	8	(	(	PUNCT
ajfa-918	14	9	ifs	ifs	PROPN
ajfa-918	14	10	)	)	PUNCT
ajfa-918	14	11	is	be	AUX
ajfa-918	14	12	as	as	ADV
ajfa-918	14	13	old	old	ADJ
ajfa-918	14	14	as	as	ADP
ajfa-918	14	15	the	the	DET
ajfa-918	14	16	religion	religion	NOUN
ajfa-918	14	17	islam	islam	PROPN
ajfa-918	14	18	itself	itself	PRON
ajfa-918	14	19	.	.	PUNCT
ajfa-918	15	1	according	accord	VERB
ajfa-918	15	2	to	to	ADP
ajfa-918	15	3	moin	moin	PROPN
ajfa-918	15	4	(	(	PUNCT
ajfa-918	15	5	2008	2008	NUM
ajfa-918	15	6	)	)	PUNCT
ajfa-918	15	7	it	it	PRON
ajfa-918	15	8	dates	date	VERB
ajfa-918	15	9	back	back	ADV
ajfa-918	15	10	to	to	ADP
ajfa-918	15	11	the	the	DET
ajfa-918	15	12	life	life	NOUN
ajfa-918	15	13	of	of	ADP
ajfa-918	15	14	the	the	DET
ajfa-918	15	15	holy	holy	PROPN
ajfa-918	15	16	prophet	prophet	PROPN
ajfa-918	15	17	muhammad	muhammad	PROPN
ajfa-918	15	18	(	(	PUNCT
ajfa-918	15	19	pbuh	pbuh	NOUN
ajfa-918	15	20	)	)	PUNCT
ajfa-918	15	21	,	,	PUNCT
ajfa-918	15	22	about	about	ADV
ajfa-918	15	23	fifteen	fifteen	NUM
ajfa-918	15	24	centuries	century	NOUN
ajfa-918	15	25	ago	ago	ADV
ajfa-918	15	26	when	when	SCONJ
ajfa-918	15	27	he	he	PRON
ajfa-918	15	28	acted	act	VERB
ajfa-918	15	29	as	as	ADP
ajfa-918	15	30	an	an	DET
ajfa-918	15	31	agent	agent	NOUN
ajfa-918	15	32	for	for	ADP
ajfa-918	15	33	his	his	PRON
ajfa-918	15	34	wife	wife	NOUN
ajfa-918	15	35	business	business	NOUN
ajfa-918	15	36	dealings	dealing	NOUN
ajfa-918	15	37	.	.	PUNCT
ajfa-918	16	1	ifs	ifs	PROPN
ajfa-918	16	2	has	have	AUX
ajfa-918	16	3	evolved	evolve	VERB
ajfa-918	16	4	over	over	ADP
ajfa-918	16	5	the	the	DET
ajfa-918	16	6	years	year	NOUN
ajfa-918	16	7	&	&	CCONJ
ajfa-918	16	8	the	the	DET
ajfa-918	16	9	phenomenon	phenomenon	NOUN
ajfa-918	16	10	which	which	PRON
ajfa-918	16	11	started	start	VERB
ajfa-918	16	12	off	off	ADP
ajfa-918	16	13	as	as	ADP
ajfa-918	16	14	a	a	DET
ajfa-918	16	15	mere	mere	ADJ
ajfa-918	16	16	means	mean	NOUN
ajfa-918	16	17	to	to	PART
ajfa-918	16	18	fulfill	fulfill	VERB
ajfa-918	16	19	religious	religious	ADJ
ajfa-918	16	20	obligation	obligation	NOUN
ajfa-918	16	21	has	have	AUX
ajfa-918	16	22	now	now	ADV
ajfa-918	16	23	turned	turn	VERB
ajfa-918	16	24	into	into	ADP
ajfa-918	16	25	a	a	DET
ajfa-918	16	26	more	more	ADV
ajfa-918	16	27	structured	structured	ADJ
ajfa-918	16	28	&	&	CCONJ
ajfa-918	16	29	organized	organize	VERB
ajfa-918	16	30	way	way	NOUN
ajfa-918	16	31	of	of	ADP
ajfa-918	16	32	banking	banking	NOUN
ajfa-918	16	33	in	in	ADP
ajfa-918	16	34	the	the	DET
ajfa-918	16	35	current	current	ADJ
ajfa-918	16	36	challenging	challenging	ADJ
ajfa-918	16	37	&	&	CCONJ
ajfa-918	16	38	difficult	difficult	ADJ
ajfa-918	16	39	economic	economic	ADJ
ajfa-918	16	40	climate	climate	NOUN
ajfa-918	16	41	.	.	PUNCT
ajfa-918	17	1	in	in	ADP
ajfa-918	17	2	the	the	DET
ajfa-918	17	3	last	last	ADJ
ajfa-918	17	4	quarter	quarter	NOUN
ajfa-918	17	5	of	of	ADP
ajfa-918	17	6	20th	20th	ADJ
ajfa-918	17	7	century	century	NOUN
ajfa-918	17	8	,	,	PUNCT
ajfa-918	17	9	islamic	islamic	ADJ
ajfa-918	17	10	finance	finance	NOUN
ajfa-918	17	11	industry	industry	NOUN
ajfa-918	17	12	has	have	AUX
ajfa-918	17	13	made	make	VERB
ajfa-918	17	14	significant	significant	ADJ
ajfa-918	17	15	progress	progress	NOUN
ajfa-918	17	16	globally	globally	ADV
ajfa-918	17	17	.	.	PUNCT
ajfa-918	18	1	moreover	moreover	ADV
ajfa-918	18	2	,	,	PUNCT
ajfa-918	18	3	during	during	ADP
ajfa-918	18	4	the	the	DET
ajfa-918	18	5	last	last	ADJ
ajfa-918	18	6	decade	decade	NOUN
ajfa-918	18	7	or	or	CCONJ
ajfa-918	18	8	so	so	ADV
ajfa-918	18	9	the	the	DET
ajfa-918	18	10	ifs	ifs	PROPN
ajfa-918	18	11	have	have	AUX
ajfa-918	18	12	registered	register	VERB
ajfa-918	18	13	a	a	DET
ajfa-918	18	14	tremendous	tremendous	ADJ
ajfa-918	18	15	increase	increase	NOUN
ajfa-918	18	16	of	of	ADP
ajfa-918	18	17	about	about	ADV
ajfa-918	18	18	20	20	NUM
ajfa-918	18	19	percent	percent	NOUN
ajfa-918	18	20	per	per	ADP
ajfa-918	18	21	annum	annum	NOUN
ajfa-918	18	22	.	.	PUNCT
ajfa-918	19	1	due	due	ADP
ajfa-918	19	2	to	to	ADP
ajfa-918	19	3	this	this	PRON
ajfa-918	19	4	it	it	PRON
ajfa-918	19	5	has	have	AUX
ajfa-918	19	6	become	become	VERB
ajfa-918	19	7	one	one	NUM
ajfa-918	19	8	of	of	ADP
ajfa-918	19	9	the	the	DET
ajfa-918	19	10	fastest	fast	ADJ
ajfa-918	19	11	growing	grow	VERB
ajfa-918	19	12	sectors	sector	NOUN
ajfa-918	19	13	of	of	ADP
ajfa-918	19	14	the	the	DET
ajfa-918	19	15	overall	overall	ADJ
ajfa-918	19	16	financial	financial	ADJ
ajfa-918	19	17	system	system	NOUN
ajfa-918	19	18	.	.	PUNCT
ajfa-918	20	1	the	the	DET
ajfa-918	20	2	breeding	breeding	NOUN
ajfa-918	20	3	seeds	seed	NOUN
ajfa-918	20	4	of	of	ADP
ajfa-918	20	5	this	this	DET
ajfa-918	20	6	revolutionary	revolutionary	ADJ
ajfa-918	20	7	concept	concept	NOUN
ajfa-918	20	8	of	of	ADP
ajfa-918	20	9	ib	ib	NOUN
ajfa-918	20	10	were	be	AUX
ajfa-918	20	11	sown	sow	VERB
ajfa-918	20	12	in	in	ADP
ajfa-918	20	13	late	late	ADJ
ajfa-918	20	14	1940‘s	1940‘s	PROPN
ajfa-918	20	15	&	&	CCONJ
ajfa-918	20	16	by	by	ADP
ajfa-918	20	17	1960	1960	NUM
ajfa-918	20	18	’s	’s	PART
ajfa-918	20	19	&	&	CCONJ
ajfa-918	20	20	1970	1970	NUM
ajfa-918	20	21	’s	’s	PART
ajfa-918	20	22	ib	ib	NOUN
ajfa-918	20	23	started	start	VERB
ajfa-918	20	24	taking	take	VERB
ajfa-918	20	25	a	a	DET
ajfa-918	20	26	meaningful	meaningful	ADJ
ajfa-918	20	27	shape	shape	NOUN
ajfa-918	20	28	.	.	PUNCT
ajfa-918	21	1	according	accord	VERB
ajfa-918	21	2	to	to	ADP
ajfa-918	21	3	sikand	sikand	NOUN
ajfa-918	21	4	(	(	PUNCT
ajfa-918	21	5	1997	1997	NUM
ajfa-918	21	6	)	)	PUNCT
ajfa-918	21	7	traces	trace	NOUN
ajfa-918	21	8	of	of	ADP
ajfa-918	21	9	first	first	ADJ
ajfa-918	21	10	islamic	islamic	PROPN
ajfa-918	21	11	bank	bank	PROPN
ajfa-918	21	12	are	be	AUX
ajfa-918	21	13	found	find	VERB
ajfa-918	21	14	in	in	ADP
ajfa-918	21	15	the	the	DET
ajfa-918	21	16	area	area	NOUN
ajfa-918	21	17	of	of	ADP
ajfa-918	21	18	mit	mit	NOUN
ajfa-918	21	19	ghamr	ghamr	NOUN
ajfa-918	21	20	in	in	ADP
ajfa-918	21	21	egypt	egypt	PROPN
ajfa-918	21	22	in	in	ADP
ajfa-918	21	23	1963	1963	NUM
ajfa-918	21	24	when	when	SCONJ
ajfa-918	21	25	first	first	ADJ
ajfa-918	21	26	interest	interest	NOUN
ajfa-918	21	27	free	free	ADJ
ajfa-918	21	28	islamic	islamic	PROPN
ajfa-918	21	29	bank	bank	PROPN
ajfa-918	21	30	was	be	AUX
ajfa-918	21	31	formed	form	VERB
ajfa-918	21	32	&	&	CCONJ
ajfa-918	21	33	from	from	ADP
ajfa-918	21	34	onwards	onward	NOUN
ajfa-918	21	35	it	it	PRON
ajfa-918	21	36	has	have	AUX
ajfa-918	21	37	never	never	ADV
ajfa-918	21	38	looked	look	VERB
ajfa-918	21	39	back	back	ADV
ajfa-918	21	40	.	.	PUNCT
ajfa-918	22	1	in	in	ADP
ajfa-918	22	2	the	the	DET
ajfa-918	22	3	years	year	NOUN
ajfa-918	22	4	to	to	PART
ajfa-918	22	5	come	come	VERB
ajfa-918	22	6	ib	ib	NOUN
ajfa-918	22	7	took	take	VERB
ajfa-918	22	8	more	more	ADJ
ajfa-918	22	9	momentum	momentum	NOUN
ajfa-918	22	10	&	&	CCONJ
ajfa-918	22	11	with	with	ADP
ajfa-918	22	12	the	the	DET
ajfa-918	22	13	increasing	increase	VERB
ajfa-918	22	14	influence	influence	NOUN
ajfa-918	22	15	of	of	ADP
ajfa-918	22	16	middle	middle	ADJ
ajfa-918	22	17	eastern	eastern	ADJ
ajfa-918	22	18	countries	country	NOUN
ajfa-918	22	19	on	on	ADP
ajfa-918	22	20	the	the	DET
ajfa-918	22	21	world	world	NOUN
ajfa-918	22	22	economy	economy	NOUN
ajfa-918	22	23	,	,	PUNCT
ajfa-918	22	24	due	due	ADP
ajfa-918	22	25	to	to	ADP
ajfa-918	22	26	their	their	PRON
ajfa-918	22	27	oil	oil	NOUN
ajfa-918	22	28	reserves	reserve	NOUN
ajfa-918	22	29	more	more	ADV
ajfa-918	22	30	and	and	CCONJ
ajfa-918	22	31	more	more	ADV
ajfa-918	22	32	traditional	traditional	ADJ
ajfa-918	22	33	western	western	ADJ
ajfa-918	22	34	banks	bank	NOUN
ajfa-918	22	35	started	start	VERB
ajfa-918	22	36	establishing	establish	VERB
ajfa-918	22	37	their	their	PRON
ajfa-918	22	38	own	own	ADJ
ajfa-918	22	39	subsidiaries	subsidiary	NOUN
ajfa-918	22	40	or	or	CCONJ
ajfa-918	22	41	partnerships	partnership	NOUN
ajfa-918	22	42	practicing	practice	VERB
ajfa-918	22	43	interest	interest	NOUN
ajfa-918	22	44	free	free	ADJ
ajfa-918	22	45	banking	banking	NOUN
ajfa-918	22	46	in	in	ADP
ajfa-918	22	47	muslim	muslim	ADJ
ajfa-918	22	48	countries	country	NOUN
ajfa-918	22	49	.	.	PUNCT
ajfa-918	23	1	according	accord	VERB
ajfa-918	23	2	to	to	ADP
ajfa-918	23	3	warde	warde	PROPN
ajfa-918	23	4	(	(	PUNCT
ajfa-918	23	5	2010	2010	NUM
ajfa-918	23	6	)	)	PUNCT
ajfa-918	23	7	the	the	DET
ajfa-918	23	8	decade	decade	NOUN
ajfa-918	23	9	of	of	ADP
ajfa-918	23	10	1970	1970	NUM
ajfa-918	23	11	saw	see	VERB
ajfa-918	23	12	the	the	DET
ajfa-918	23	13	emergence	emergence	NOUN
ajfa-918	23	14	of	of	ADP
ajfa-918	23	15	so	so	ADV
ajfa-918	23	16	many	many	ADJ
ajfa-918	23	17	islamic	islamic	ADJ
ajfa-918	23	18	banks	bank	NOUN
ajfa-918	23	19	namely	namely	ADV
ajfa-918	23	20	dubai	dubai	VERB
ajfa-918	23	21	islamic	islamic	PROPN
ajfa-918	23	22	bank	bank	PROPN
ajfa-918	23	23	(	(	PUNCT
ajfa-918	23	24	1975	1975	NUM
ajfa-918	23	25	)	)	PUNCT
ajfa-918	23	26	,	,	PUNCT
ajfa-918	23	27	kuwait	kuwait	PROPN
ajfa-918	23	28	finance	finance	PROPN
ajfa-918	23	29	house	house	PROPN
ajfa-918	23	30	(	(	PUNCT
ajfa-918	23	31	1977	1977	NUM
ajfa-918	23	32	)	)	PUNCT
ajfa-918	23	33	,	,	PUNCT
ajfa-918	23	34	faisal	faisal	PROPN
ajfa-918	23	35	islamic	islamic	PROPN
ajfa-918	23	36	bank	bank	PROPN
ajfa-918	23	37	of	of	ADP
ajfa-918	23	38	egypt	egypt	PROPN
ajfa-918	23	39	(	(	PUNCT
ajfa-918	23	40	1977	1977	NUM
ajfa-918	23	41	)	)	PUNCT
ajfa-918	23	42	,	,	PUNCT
ajfa-918	23	43	islamic	islamic	PROPN
ajfa-918	23	44	bank	bank	PROPN
ajfa-918	23	45	of	of	ADP
ajfa-918	23	46	sudan	sudan	PROPN
ajfa-918	23	47	(	(	PUNCT
ajfa-918	23	48	1977	1977	NUM
ajfa-918	23	49	)	)	PUNCT
ajfa-918	23	50	,	,	PUNCT
ajfa-918	23	51	jordan	jordan	PROPN
ajfa-918	23	52	islamic	islamic	PROPN
ajfa-918	23	53	bank	bank	PROPN
ajfa-918	23	54	of	of	ADP
ajfa-918	23	55	finance	finance	PROPN
ajfa-918	23	56	&	&	CCONJ
ajfa-918	23	57	investment	investment	NOUN
ajfa-918	23	58	(	(	PUNCT
ajfa-918	23	59	1978	1978	NUM
ajfa-918	23	60	)	)	PUNCT
ajfa-918	23	61	,	,	PUNCT
ajfa-918	23	62	bahrain	bahrain	NOUN
ajfa-918	23	63	islamic	islamic	PROPN
ajfa-918	23	64	bank	bank	PROPN
ajfa-918	23	65	(	(	PUNCT
ajfa-918	23	66	1978	1978	NUM
ajfa-918	23	67	)	)	PUNCT
ajfa-918	23	68	and	and	CCONJ
ajfa-918	23	69	islamic	islamic	PROPN
ajfa-918	23	70	international	international	PROPN
ajfa-918	23	71	bank	bank	PROPN
ajfa-918	23	72	for	for	ADP
ajfa-918	23	73	investment	investment	NOUN
ajfa-918	23	74	.	.	PUNCT
ajfa-918	24	1	in	in	ADP
ajfa-918	24	2	pakistan	pakistan	PROPN
ajfa-918	24	3	during	during	ADP
ajfa-918	24	4	late	late	ADJ
ajfa-918	24	5	70	70	NUM
ajfa-918	24	6	’s	’s	PART
ajfa-918	24	7	serious	serious	ADJ
ajfa-918	24	8	efforts	effort	NOUN
ajfa-918	24	9	were	be	AUX
ajfa-918	24	10	put	put	VERB
ajfa-918	24	11	into	into	ADP
ajfa-918	24	12	action	action	NOUN
ajfa-918	24	13	to	to	PART
ajfa-918	24	14	islamize	islamize	VERB
ajfa-918	24	15	the	the	DET
ajfa-918	24	16	economy	economy	NOUN
ajfa-918	24	17	and	and	CCONJ
ajfa-918	24	18	that	that	PRON
ajfa-918	24	19	laid	lay	VERB
ajfa-918	24	20	the	the	DET
ajfa-918	24	21	foundation	foundation	NOUN
ajfa-918	24	22	for	for	ADP
ajfa-918	24	23	modern	modern	ADJ
ajfa-918	24	24	ib	ib	NOUN
ajfa-918	24	25	.	.	PUNCT
ajfa-918	25	1	however	however	ADV
ajfa-918	25	2	it	it	PRON
ajfa-918	25	3	took	take	VERB
ajfa-918	25	4	some	some	DET
ajfa-918	25	5	time	time	NOUN
ajfa-918	25	6	to	to	PART
ajfa-918	25	7	flourish	flourish	VERB
ajfa-918	25	8	ib	ib	NOUN
ajfa-918	25	9	.	.	PUNCT
ajfa-918	26	1	according	accord	VERB
ajfa-918	26	2	to	to	ADP
ajfa-918	26	3	awan	awan	PROPN
ajfa-918	26	4	(	(	PUNCT
ajfa-918	26	5	2009	2009	NUM
ajfa-918	26	6	)	)	PUNCT
ajfa-918	26	7	the	the	DET
ajfa-918	26	8	growth	growth	NOUN
ajfa-918	26	9	of	of	ADP
ajfa-918	26	10	ib	ib	PROPN
ajfa-918	26	11	in	in	ADP
ajfa-918	26	12	pakistan	pakistan	PROPN
ajfa-918	26	13	accelerated	accelerate	VERB
ajfa-918	26	14	since	since	SCONJ
ajfa-918	26	15	2002	2002	NUM
ajfa-918	26	16	.	.	PUNCT
ajfa-918	27	1	this	this	PRON
ajfa-918	27	2	was	be	AUX
ajfa-918	27	3	the	the	DET
ajfa-918	27	4	time	time	NOUN
ajfa-918	27	5	when	when	SCONJ
ajfa-918	27	6	state	state	PROPN
ajfa-918	27	7	bank	bank	PROPN
ajfa-918	27	8	of	of	ADP
ajfa-918	27	9	pakistan	pakistan	PROPN
ajfa-918	27	10	changed	change	VERB
ajfa-918	27	11	its	its	PRON
ajfa-918	27	12	approach	approach	NOUN
ajfa-918	27	13	to	to	ADP
ajfa-918	27	14	introduction	introduction	NOUN
ajfa-918	27	15	of	of	ADP
ajfa-918	27	16	ib	ib	PROPN
ajfa-918	27	17	as	as	ADP
ajfa-918	27	18	a	a	DET
ajfa-918	27	19	change	change	NOUN
ajfa-918	27	20	management	management	NOUN
ajfa-918	27	21	issue	issue	NOUN
ajfa-918	27	22	.	.	PUNCT
ajfa-918	28	1	according	accord	VERB
ajfa-918	28	2	to	to	ADP
ajfa-918	28	3	state	state	PROPN
ajfa-918	28	4	bank	bank	PROPN
ajfa-918	28	5	of	of	ADP
ajfa-918	28	6	pakistan	pakistan	PROPN
ajfa-918	28	7	(	(	PUNCT
ajfa-918	28	8	2008	2008	NUM
ajfa-918	28	9	)	)	PUNCT
ajfa-918	28	10	the	the	DET
ajfa-918	28	11	first	first	ADJ
ajfa-918	28	12	fullfledged	fullfledged	ADJ
ajfa-918	28	13	commercial	commercial	ADJ
ajfa-918	28	14	islamic	islamic	PROPN
ajfa-918	28	15	bank	bank	PROPN
ajfa-918	28	16	license	license	NOUN
ajfa-918	28	17	was	be	AUX
ajfa-918	28	18	issued	issue	VERB
ajfa-918	28	19	in	in	ADP
ajfa-918	28	20	2002[1	2002[1	NUM
ajfa-918	28	21	]	]	PUNCT
ajfa-918	28	22	.	.	PUNCT
ajfa-918	29	1	currently	currently	ADV
ajfa-918	29	2	there	there	PRON
ajfa-918	29	3	are	be	VERB
ajfa-918	29	4	6	6	NUM
ajfa-918	29	5	fullfledged	fullfledged	ADJ
ajfa-918	29	6	islamic	islamic	ADJ
ajfa-918	29	7	banks	bank	NOUN
ajfa-918	29	8	and	and	CCONJ
ajfa-918	29	9	13	13	NUM
ajfa-918	29	10	conventional	conventional	ADJ
ajfa-918	29	11	banks	bank	NOUN
ajfa-918	29	12	offering	offer	VERB
ajfa-918	29	13	islamic	islamic	ADJ
ajfa-918	29	14	products	product	NOUN
ajfa-918	29	15	.	.	PUNCT
ajfa-918	30	1	although	although	SCONJ
ajfa-918	30	2	islamization	islamization	NOUN
ajfa-918	30	3	of	of	ADP
ajfa-918	30	4	economy	economy	NOUN
ajfa-918	30	5	was	be	AUX
ajfa-918	30	6	started	start	VERB
ajfa-918	30	7	in	in	ADP
ajfa-918	30	8	late	late	ADJ
ajfa-918	30	9	70	70	NUM
ajfa-918	30	10	’s	’	NOUN
ajfa-918	30	11	,	,	PUNCT
ajfa-918	30	12	still	still	ADV
ajfa-918	30	13	ib	ib	NOUN
ajfa-918	30	14	phenomenon	phenomenon	NOUN
ajfa-918	30	15	has	have	AUX
ajfa-918	30	16	not	not	PART
ajfa-918	30	17	fully	fully	ADV
ajfa-918	30	18	borne	bear	VERB
ajfa-918	30	19	fruit	fruit	NOUN
ajfa-918	30	20	and	and	CCONJ
ajfa-918	30	21	that	that	PRON
ajfa-918	30	22	is	be	AUX
ajfa-918	30	23	reflected	reflect	VERB
ajfa-918	30	24	in	in	ADP
ajfa-918	30	25	its	its	PRON
ajfa-918	30	26	modest	modest	ADJ
ajfa-918	30	27	market	market	NOUN
ajfa-918	30	28	share	share	NOUN
ajfa-918	30	29	of	of	ADP
ajfa-918	30	30	6.4	6.4	NUM
ajfa-918	30	31	%	%	NOUN
ajfa-918	30	32	.	.	PUNCT
ajfa-918	31	1	this	this	DET
ajfa-918	31	2	figure	figure	NOUN
ajfa-918	31	3	looks	look	VERB
ajfa-918	31	4	even	even	ADV
ajfa-918	31	5	more	more	ADV
ajfa-918	31	6	surprising	surprising	ADJ
ajfa-918	31	7	,	,	PUNCT
ajfa-918	31	8	that	that	SCONJ
ajfa-918	31	9	about	about	ADV
ajfa-918	31	10	98	98	NUM
ajfa-918	31	11	%	%	NOUN
ajfa-918	31	12	people	people	NOUN
ajfa-918	31	13	are	be	AUX
ajfa-918	31	14	muslims	muslims	PROPN
ajfa-918	31	15	and	and	CCONJ
ajfa-918	31	16	being	be	AUX
ajfa-918	31	17	a	a	DET
ajfa-918	31	18	conservative	conservative	ADJ
ajfa-918	31	19	society	society	NOUN
ajfa-918	31	20	religious	religious	ADJ
ajfa-918	31	21	beliefs	belief	NOUN
ajfa-918	31	22	hold	hold	VERB
ajfa-918	31	23	a	a	DET
ajfa-918	31	24	central	central	ADJ
ajfa-918	31	25	importance	importance	NOUN
ajfa-918	31	26	and	and	CCONJ
ajfa-918	31	27	place	place	NOUN
ajfa-918	31	28	in	in	ADP
ajfa-918	31	29	the	the	DET
ajfa-918	31	30	overall	overall	ADJ
ajfa-918	31	31	thinking	thinking	NOUN
ajfa-918	31	32	process	process	NOUN
ajfa-918	31	33	.	.	PUNCT
ajfa-918	32	1	although	although	SCONJ
ajfa-918	32	2	a	a	DET
ajfa-918	32	3	lot	lot	NOUN
ajfa-918	32	4	of	of	ADP
ajfa-918	32	5	work	work	NOUN
ajfa-918	32	6	has	have	AUX
ajfa-918	32	7	been	be	AUX
ajfa-918	32	8	done	do	VERB
ajfa-918	32	9	in	in	ADP
ajfa-918	32	10	this	this	DET
ajfa-918	32	11	area	area	NOUN
ajfa-918	32	12	from	from	ADP
ajfa-918	32	13	customer	customer	NOUN
ajfa-918	32	14	’s	’s	PART
ajfa-918	32	15	point	point	NOUN
ajfa-918	32	16	of	of	ADP
ajfa-918	32	17	view	view	NOUN
ajfa-918	32	18	,	,	PUNCT
ajfa-918	32	19	but	but	CCONJ
ajfa-918	32	20	studies	study	NOUN
ajfa-918	32	21	focusing	focus	VERB
ajfa-918	32	22	on	on	ADP
ajfa-918	32	23	employees	employee	NOUN
ajfa-918	32	24	are	be	AUX
ajfa-918	32	25	very	very	ADV
ajfa-918	32	26	few	few	ADJ
ajfa-918	32	27	.	.	PUNCT
ajfa-918	33	1	according	accord	VERB
ajfa-918	33	2	to	to	ADP
ajfa-918	33	3	quagraine	quagraine	NOUN
ajfa-918	33	4	(	(	PUNCT
ajfa-918	33	5	2010	2010	NUM
ajfa-918	33	6	)	)	PUNCT
ajfa-918	33	7	employees	employee	NOUN
ajfa-918	33	8	are	be	AUX
ajfa-918	33	9	the	the	DET
ajfa-918	33	10	source	source	NOUN
ajfa-918	33	11	of	of	ADP
ajfa-918	33	12	energy	energy	NOUN
ajfa-918	33	13	for	for	ADP
ajfa-918	33	14	the	the	DET
ajfa-918	33	15	organization	organization	NOUN
ajfa-918	33	16	.	.	PUNCT
ajfa-918	34	1	their	their	PRON
ajfa-918	34	2	non	non	ADJ
ajfa-918	34	3	involvement	involvement	NOUN
ajfa-918	34	4	in	in	ADP
ajfa-918	34	5	decision	decision	NOUN
ajfa-918	34	6	making	making	NOUN
ajfa-918	34	7	can	can	AUX
ajfa-918	34	8	alter	alter	VERB
ajfa-918	34	9	the	the	DET
ajfa-918	34	10	performance	performance	NOUN
ajfa-918	34	11	of	of	ADP
ajfa-918	34	12	the	the	DET
ajfa-918	34	13	organization	organization	NOUN
ajfa-918	34	14	.	.	PUNCT
ajfa-918	35	1	this	this	DET
ajfa-918	35	2	study	study	NOUN
ajfa-918	35	3	is	be	AUX
ajfa-918	35	4	an	an	DET
ajfa-918	35	5	effort	effort	NOUN
ajfa-918	35	6	to	to	PART
ajfa-918	35	7	bridge	bridge	VERB
ajfa-918	35	8	the	the	DET
ajfa-918	35	9	gap	gap	NOUN
ajfa-918	35	10	of	of	ADP
ajfa-918	35	11	lack	lack	NOUN
ajfa-918	35	12	of	of	ADP
ajfa-918	35	13	literature	literature	NOUN
ajfa-918	35	14	in	in	ADP
ajfa-918	35	15	this	this	DET
ajfa-918	35	16	area	area	NOUN
ajfa-918	35	17	.	.	PUNCT
ajfa-918	36	1	moreover	moreover	ADV
ajfa-918	36	2	the	the	DET
ajfa-918	36	3	recommendations	recommendation	NOUN
ajfa-918	36	4	of	of	ADP
ajfa-918	36	5	this	this	DET
ajfa-918	36	6	study	study	NOUN
ajfa-918	36	7	can	can	AUX
ajfa-918	36	8	be	be	AUX
ajfa-918	36	9	used	use	VERB
ajfa-918	36	10	by	by	ADP
ajfa-918	36	11	the	the	DET
ajfa-918	36	12	policy	policy	NOUN
ajfa-918	36	13	makers	maker	NOUN
ajfa-918	36	14	to	to	PART
ajfa-918	36	15	devise	devise	VERB
ajfa-918	36	16	a	a	DET
ajfa-918	36	17	framework	framework	NOUN
ajfa-918	36	18	for	for	ADP
ajfa-918	36	19	growth	growth	NOUN
ajfa-918	36	20	of	of	ADP
ajfa-918	36	21	ib	ib	PROPN
ajfa-918	36	22	.	.	PROPN
ajfa-918	37	1	2	2	X
ajfa-918	37	2	.	.	X
ajfa-918	37	3	literature	literature	NOUN
ajfa-918	37	4	review	review	NOUN
ajfa-918	37	5	in	in	ADP
ajfa-918	37	6	order	order	NOUN
ajfa-918	37	7	to	to	PART
ajfa-918	37	8	understand	understand	VERB
ajfa-918	37	9	the	the	DET
ajfa-918	37	10	real	real	ADJ
ajfa-918	37	11	causes	cause	NOUN
ajfa-918	37	12	of	of	ADP
ajfa-918	37	13	lack	lack	NOUN
ajfa-918	37	14	of	of	ADP
ajfa-918	37	15	growth	growth	NOUN
ajfa-918	37	16	of	of	ADP
ajfa-918	37	17	ib	ib	PROPN
ajfa-918	37	18	in	in	ADP
ajfa-918	37	19	pakistan	pakistan	PROPN
ajfa-918	37	20	we	we	PRON
ajfa-918	37	21	need	need	VERB
ajfa-918	37	22	to	to	PART
ajfa-918	37	23	discuss	discuss	VERB
ajfa-918	37	24	in	in	ADP
ajfa-918	37	25	detail	detail	NOUN
ajfa-918	37	26	what	what	PRON
ajfa-918	37	27	really	really	ADV
ajfa-918	37	28	matters	matter	VERB
ajfa-918	37	29	according	accord	VERB
ajfa-918	37	30	to	to	ADP
ajfa-918	37	31	employees	employee	NOUN
ajfa-918	37	32	.	.	PUNCT
ajfa-918	38	1	studies	study	NOUN
ajfa-918	38	2	focusing	focus	VERB
ajfa-918	38	3	on	on	ADP
ajfa-918	38	4	employees	employee	NOUN
ajfa-918	38	5	’	'	PUNCT
ajfa-918	38	6	point	point	NOUN
ajfa-918	38	7	of	of	ADP
ajfa-918	38	8	asian	asian	ADJ
ajfa-918	38	9	journal	journal	NOUN
ajfa-918	38	10	of	of	ADP
ajfa-918	38	11	finance	finance	PROPN
ajfa-918	38	12	&	&	CCONJ
ajfa-918	38	13	accounting	accounting	PROPN
ajfa-918	38	14	issn	issn	PROPN
ajfa-918	38	15	1946	1946	NUM
ajfa-918	38	16	-	-	PUNCT
ajfa-918	38	17	052x	052x	NOUN
ajfa-918	38	18	2011	2011	NUM
ajfa-918	38	19	,	,	PUNCT
ajfa-918	38	20	vol	vol	NOUN
ajfa-918	38	21	.	.	PROPN
ajfa-918	39	1	3	3	NUM
ajfa-918	39	2	,	,	PUNCT
ajfa-918	39	3	no	no	INTJ
ajfa-918	39	4	.	.	NOUN
ajfa-918	39	5	1	1	NUM
ajfa-918	39	6	:	:	PUNCT
ajfa-918	39	7	e4	e4	PROPN
ajfa-918	39	8	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-918	39	9	59	59	NUM
ajfa-918	39	10	view	view	NOUN
ajfa-918	39	11	are	be	AUX
ajfa-918	39	12	very	very	ADV
ajfa-918	39	13	few	few	ADJ
ajfa-918	39	14	;	;	PUNCT
ajfa-918	39	15	hence	hence	ADV
ajfa-918	39	16	we	we	PRON
ajfa-918	39	17	will	will	AUX
ajfa-918	39	18	concentrate	concentrate	VERB
ajfa-918	39	19	on	on	ADP
ajfa-918	39	20	what	what	PRON
ajfa-918	39	21	influences	influence	VERB
ajfa-918	39	22	customers	customer	NOUN
ajfa-918	39	23	’	’	PART
ajfa-918	39	24	choice	choice	NOUN
ajfa-918	39	25	or	or	CCONJ
ajfa-918	39	26	decision	decision	NOUN
ajfa-918	39	27	of	of	ADP
ajfa-918	39	28	doing	do	VERB
ajfa-918	39	29	business	business	NOUN
ajfa-918	39	30	with	with	ADP
ajfa-918	39	31	any	any	DET
ajfa-918	39	32	particular	particular	ADJ
ajfa-918	39	33	bank	bank	NOUN
ajfa-918	39	34	.	.	PUNCT
ajfa-918	40	1	different	different	ADJ
ajfa-918	40	2	researchers	researcher	NOUN
ajfa-918	40	3	have	have	AUX
ajfa-918	40	4	listed	list	VERB
ajfa-918	40	5	numerous	numerous	ADJ
ajfa-918	40	6	selection	selection	NOUN
ajfa-918	40	7	criteria	criterion	NOUN
ajfa-918	40	8	&	&	CCONJ
ajfa-918	40	9	they	they	PRON
ajfa-918	40	10	vary	vary	VERB
ajfa-918	40	11	across	across	ADP
ajfa-918	40	12	the	the	DET
ajfa-918	40	13	globe	globe	NOUN
ajfa-918	40	14	.	.	PUNCT
ajfa-918	41	1	according	accord	VERB
ajfa-918	41	2	to	to	ADP
ajfa-918	41	3	erol	erol	NOUN
ajfa-918	41	4	and	and	CCONJ
ajfa-918	41	5	el	el	PROPN
ajfa-918	41	6	-	-	PUNCT
ajfa-918	41	7	bdour	bdour	NOUN
ajfa-918	41	8	(	(	PUNCT
ajfa-918	41	9	1989	1989	NUM
ajfa-918	41	10	)	)	PUNCT
ajfa-918	41	11	availability	availability	NOUN
ajfa-918	41	12	of	of	ADP
ajfa-918	41	13	fast	fast	ADJ
ajfa-918	41	14	and	and	CCONJ
ajfa-918	41	15	efficient	efficient	ADJ
ajfa-918	41	16	services	service	NOUN
ajfa-918	41	17	,	,	PUNCT
ajfa-918	41	18	image	image	NOUN
ajfa-918	41	19	of	of	ADP
ajfa-918	41	20	bank	bank	NOUN
ajfa-918	41	21	and	and	CCONJ
ajfa-918	41	22	its	its	PRON
ajfa-918	41	23	reputation	reputation	NOUN
ajfa-918	41	24	and	and	CCONJ
ajfa-918	41	25	confidentiality	confidentiality	NOUN
ajfa-918	41	26	were	be	AUX
ajfa-918	41	27	the	the	DET
ajfa-918	41	28	most	most	ADV
ajfa-918	41	29	important	important	ADJ
ajfa-918	41	30	factors	factor	NOUN
ajfa-918	41	31	.	.	PUNCT
ajfa-918	42	1	they	they	PRON
ajfa-918	42	2	conducted	conduct	VERB
ajfa-918	42	3	a	a	DET
ajfa-918	42	4	study	study	NOUN
ajfa-918	42	5	on	on	ADP
ajfa-918	42	6	jordanian	jordanian	ADJ
ajfa-918	42	7	customers	customer	NOUN
ajfa-918	42	8	.	.	PUNCT
ajfa-918	43	1	they	they	PRON
ajfa-918	43	2	were	be	AUX
ajfa-918	43	3	of	of	ADP
ajfa-918	43	4	the	the	DET
ajfa-918	43	5	view	view	NOUN
ajfa-918	43	6	that	that	SCONJ
ajfa-918	43	7	religion	religion	NOUN
ajfa-918	43	8	was	be	AUX
ajfa-918	43	9	not	not	PART
ajfa-918	43	10	the	the	DET
ajfa-918	43	11	most	most	ADV
ajfa-918	43	12	important	important	ADJ
ajfa-918	43	13	reason	reason	NOUN
ajfa-918	43	14	to	to	PART
ajfa-918	43	15	select	select	VERB
ajfa-918	43	16	financial	financial	ADJ
ajfa-918	43	17	institution	institution	NOUN
ajfa-918	43	18	.	.	PUNCT
ajfa-918	44	1	sudin	sudin	NOUN
ajfa-918	44	2	et	et	PROPN
ajfa-918	44	3	al	al	PROPN
ajfa-918	44	4	.	.	PROPN
ajfa-918	45	1	(	(	PUNCT
ajfa-918	45	2	1994	1994	NUM
ajfa-918	45	3	)	)	PUNCT
ajfa-918	45	4	observed	observe	VERB
ajfa-918	45	5	the	the	DET
ajfa-918	45	6	behavior	behavior	NOUN
ajfa-918	45	7	of	of	ADP
ajfa-918	45	8	malaysian	malaysian	ADJ
ajfa-918	45	9	customers	customer	NOUN
ajfa-918	45	10	.	.	PUNCT
ajfa-918	46	1	they	they	PRON
ajfa-918	46	2	were	be	AUX
ajfa-918	46	3	of	of	ADP
ajfa-918	46	4	the	the	DET
ajfa-918	46	5	opinion	opinion	NOUN
ajfa-918	46	6	that	that	SCONJ
ajfa-918	46	7	provision	provision	NOUN
ajfa-918	46	8	of	of	ADP
ajfa-918	46	9	fast	fast	ADJ
ajfa-918	46	10	and	and	CCONJ
ajfa-918	46	11	efficient	efficient	ADJ
ajfa-918	46	12	services	service	NOUN
ajfa-918	46	13	,	,	PUNCT
ajfa-918	46	14	speed	speed	NOUN
ajfa-918	46	15	of	of	ADP
ajfa-918	46	16	the	the	DET
ajfa-918	46	17	transaction	transaction	NOUN
ajfa-918	46	18	and	and	CCONJ
ajfa-918	46	19	reputation	reputation	NOUN
ajfa-918	46	20	and	and	CCONJ
ajfa-918	46	21	image	image	NOUN
ajfa-918	46	22	of	of	ADP
ajfa-918	46	23	the	the	DET
ajfa-918	46	24	bank	bank	NOUN
ajfa-918	46	25	were	be	AUX
ajfa-918	46	26	the	the	DET
ajfa-918	46	27	main	main	ADJ
ajfa-918	46	28	factors	factor	NOUN
ajfa-918	46	29	that	that	PRON
ajfa-918	46	30	customers	customer	NOUN
ajfa-918	46	31	consider	consider	VERB
ajfa-918	46	32	important	important	ADJ
ajfa-918	46	33	while	while	SCONJ
ajfa-918	46	34	choosing	choose	VERB
ajfa-918	46	35	the	the	DET
ajfa-918	46	36	financial	financial	ADJ
ajfa-918	46	37	institution	institution	NOUN
ajfa-918	46	38	hegazy	hegazy	ADV
ajfa-918	46	39	(	(	PUNCT
ajfa-918	46	40	1995	1995	NUM
ajfa-918	46	41	)	)	PUNCT
ajfa-918	46	42	carried	carry	VERB
ajfa-918	46	43	out	out	ADP
ajfa-918	46	44	a	a	DET
ajfa-918	46	45	research	research	NOUN
ajfa-918	46	46	on	on	ADP
ajfa-918	46	47	the	the	DET
ajfa-918	46	48	attitude	attitude	NOUN
ajfa-918	46	49	of	of	ADP
ajfa-918	46	50	egyptian	egyptian	ADJ
ajfa-918	46	51	customers	customer	NOUN
ajfa-918	46	52	.	.	PUNCT
ajfa-918	47	1	his	his	PRON
ajfa-918	47	2	respondents	respondent	NOUN
ajfa-918	47	3	were	be	AUX
ajfa-918	47	4	islamic	islamic	ADJ
ajfa-918	47	5	bank	bank	NOUN
ajfa-918	47	6	customers	customer	NOUN
ajfa-918	47	7	.	.	PUNCT
ajfa-918	48	1	he	he	PRON
ajfa-918	48	2	reached	reach	VERB
ajfa-918	48	3	at	at	ADP
ajfa-918	48	4	the	the	DET
ajfa-918	48	5	result	result	NOUN
ajfa-918	48	6	that	that	SCONJ
ajfa-918	48	7	efficiency	efficiency	NOUN
ajfa-918	48	8	and	and	CCONJ
ajfa-918	48	9	speed	speed	NOUN
ajfa-918	48	10	of	of	ADP
ajfa-918	48	11	delivering	deliver	VERB
ajfa-918	48	12	banking	banking	NOUN
ajfa-918	48	13	services	service	NOUN
ajfa-918	48	14	were	be	AUX
ajfa-918	48	15	the	the	DET
ajfa-918	48	16	most	most	ADV
ajfa-918	48	17	crucial	crucial	ADJ
ajfa-918	48	18	elements	element	NOUN
ajfa-918	48	19	in	in	ADP
ajfa-918	48	20	the	the	DET
ajfa-918	48	21	selection	selection	NOUN
ajfa-918	48	22	of	of	ADP
ajfa-918	48	23	bank	bank	NOUN
ajfa-918	48	24	.	.	PUNCT
ajfa-918	49	1	gerrard	gerrard	PROPN
ajfa-918	49	2	and	and	CCONJ
ajfa-918	49	3	cunningham	cunningham	PROPN
ajfa-918	49	4	(	(	PUNCT
ajfa-918	49	5	1997	1997	NUM
ajfa-918	49	6	)	)	PUNCT
ajfa-918	49	7	performed	perform	VERB
ajfa-918	49	8	study	study	NOUN
ajfa-918	49	9	on	on	ADP
ajfa-918	49	10	the	the	DET
ajfa-918	49	11	singapore	singapore	PROPN
ajfa-918	49	12	customer	customer	NOUN
ajfa-918	49	13	.	.	PUNCT
ajfa-918	50	1	they	they	PRON
ajfa-918	50	2	wanted	want	VERB
ajfa-918	50	3	to	to	PART
ajfa-918	50	4	explore	explore	VERB
ajfa-918	50	5	the	the	DET
ajfa-918	50	6	awareness	awareness	NOUN
ajfa-918	50	7	of	of	ADP
ajfa-918	50	8	customers	customer	NOUN
ajfa-918	50	9	towards	towards	ADP
ajfa-918	50	10	the	the	DET
ajfa-918	50	11	islamic	islamic	ADJ
ajfa-918	50	12	banking	banking	NOUN
ajfa-918	50	13	products	product	NOUN
ajfa-918	50	14	.	.	PUNCT
ajfa-918	51	1	their	their	PRON
ajfa-918	51	2	findings	finding	NOUN
ajfa-918	51	3	highlighted	highlight	VERB
ajfa-918	51	4	the	the	DET
ajfa-918	51	5	need	need	NOUN
ajfa-918	51	6	of	of	ADP
ajfa-918	51	7	strong	strong	ADJ
ajfa-918	51	8	advertising	advertising	NOUN
ajfa-918	51	9	campaign	campaign	NOUN
ajfa-918	51	10	to	to	PART
ajfa-918	51	11	overcome	overcome	VERB
ajfa-918	51	12	the	the	DET
ajfa-918	51	13	lack	lack	NOUN
ajfa-918	51	14	of	of	ADP
ajfa-918	51	15	awareness	awareness	NOUN
ajfa-918	51	16	of	of	ADP
ajfa-918	51	17	the	the	DET
ajfa-918	51	18	customer	customer	NOUN
ajfa-918	51	19	regarding	regard	VERB
ajfa-918	51	20	the	the	DET
ajfa-918	51	21	ib	ib	NOUN
ajfa-918	51	22	.	.	PUNCT
ajfa-918	52	1	a	a	DET
ajfa-918	52	2	study	study	NOUN
ajfa-918	52	3	was	be	AUX
ajfa-918	52	4	conducted	conduct	VERB
ajfa-918	52	5	by	by	ADP
ajfa-918	52	6	naser	naser	PROPN
ajfa-918	52	7	et	et	PROPN
ajfa-918	52	8	.	.	PUNCT
ajfa-918	53	1	al	al	PROPN
ajfa-918	53	2	(	(	PUNCT
ajfa-918	53	3	1999	1999	NUM
ajfa-918	53	4	)	)	PUNCT
ajfa-918	53	5	on	on	ADP
ajfa-918	53	6	jordan	jordan	PROPN
ajfa-918	53	7	banks	banks	PROPN
ajfa-918	53	8	clients	client	NOUN
ajfa-918	53	9	.	.	PUNCT
ajfa-918	54	1	they	they	PRON
ajfa-918	54	2	highlighted	highlight	VERB
ajfa-918	54	3	the	the	DET
ajfa-918	54	4	opening	opening	NOUN
ajfa-918	54	5	time	time	NOUN
ajfa-918	54	6	of	of	ADP
ajfa-918	54	7	banks	bank	NOUN
ajfa-918	54	8	as	as	ADP
ajfa-918	54	9	not	not	PART
ajfa-918	54	10	helpful	helpful	ADJ
ajfa-918	54	11	.	.	PUNCT
ajfa-918	55	1	according	accord	VERB
ajfa-918	55	2	to	to	ADP
ajfa-918	55	3	rammal	rammal	NOUN
ajfa-918	55	4	and	and	CCONJ
ajfa-918	55	5	zurbruegg	zurbruegg	PROPN
ajfa-918	55	6	(	(	PUNCT
ajfa-918	55	7	2006	2006	NUM
ajfa-918	55	8	)	)	PUNCT
ajfa-918	55	9	strong	strong	ADJ
ajfa-918	55	10	image	image	NOUN
ajfa-918	55	11	and	and	CCONJ
ajfa-918	55	12	availability	availability	NOUN
ajfa-918	55	13	of	of	ADP
ajfa-918	55	14	services	service	NOUN
ajfa-918	55	15	like	like	ADP
ajfa-918	55	16	atm	atm	NOUN
ajfa-918	55	17	and	and	CCONJ
ajfa-918	55	18	phone	phone	NOUN
ajfa-918	55	19	banking	banking	NOUN
ajfa-918	55	20	were	be	AUX
ajfa-918	55	21	the	the	DET
ajfa-918	55	22	important	important	ADJ
ajfa-918	55	23	contributors	contributor	NOUN
ajfa-918	55	24	in	in	ADP
ajfa-918	55	25	customer	customer	NOUN
ajfa-918	55	26	selection	selection	NOUN
ajfa-918	55	27	of	of	ADP
ajfa-918	55	28	islamic	islamic	ADJ
ajfa-918	55	29	banking	banking	NOUN
ajfa-918	55	30	products	product	NOUN
ajfa-918	55	31	.	.	PUNCT
ajfa-918	56	1	they	they	PRON
ajfa-918	56	2	explored	explore	VERB
ajfa-918	56	3	the	the	DET
ajfa-918	56	4	awareness	awareness	NOUN
ajfa-918	56	5	of	of	ADP
ajfa-918	56	6	australian	australian	ADJ
ajfa-918	56	7	muslims	muslim	NOUN
ajfa-918	56	8	towards	towards	ADP
ajfa-918	56	9	islamic	islamic	ADJ
ajfa-918	56	10	banking	banking	NOUN
ajfa-918	56	11	.	.	PUNCT
ajfa-918	57	1	they	they	PRON
ajfa-918	57	2	pointed	point	VERB
ajfa-918	57	3	out	out	ADP
ajfa-918	57	4	that	that	SCONJ
ajfa-918	57	5	people	people	NOUN
ajfa-918	57	6	were	be	AUX
ajfa-918	57	7	interested	interested	ADJ
ajfa-918	57	8	in	in	ADP
ajfa-918	57	9	ib	ib	NOUN
ajfa-918	57	10	products	product	NOUN
ajfa-918	57	11	;	;	PUNCT
ajfa-918	57	12	however	however	ADV
ajfa-918	57	13	unawareness	unawareness	NOUN
ajfa-918	57	14	to	to	ADP
ajfa-918	57	15	these	these	DET
ajfa-918	57	16	products	product	NOUN
ajfa-918	57	17	was	be	AUX
ajfa-918	57	18	the	the	DET
ajfa-918	57	19	biggest	big	ADJ
ajfa-918	57	20	hurdle	hurdle	NOUN
ajfa-918	57	21	in	in	ADP
ajfa-918	57	22	this	this	DET
ajfa-918	57	23	regard	regard	NOUN
ajfa-918	57	24	.	.	PUNCT
ajfa-918	58	1	dusuki	dusuki	NOUN
ajfa-918	58	2	and	and	CCONJ
ajfa-918	58	3	abdullah	abdullah	PROPN
ajfa-918	58	4	(	(	PUNCT
ajfa-918	58	5	2006	2006	NUM
ajfa-918	58	6	)	)	PUNCT
ajfa-918	58	7	conducted	conduct	VERB
ajfa-918	58	8	a	a	DET
ajfa-918	58	9	research	research	NOUN
ajfa-918	58	10	on	on	ADP
ajfa-918	58	11	why	why	SCONJ
ajfa-918	58	12	do	do	AUX
ajfa-918	58	13	malaysian	malaysian	ADJ
ajfa-918	58	14	customers	customer	NOUN
ajfa-918	58	15	patronize	patronize	VERB
ajfa-918	58	16	islamic	islamic	ADJ
ajfa-918	58	17	banks	bank	NOUN
ajfa-918	58	18	and	and	CCONJ
ajfa-918	58	19	they	they	PRON
ajfa-918	58	20	found	find	VERB
ajfa-918	58	21	out	out	ADP
ajfa-918	58	22	that	that	SCONJ
ajfa-918	58	23	the	the	DET
ajfa-918	58	24	provision	provision	NOUN
ajfa-918	58	25	of	of	ADP
ajfa-918	58	26	offering	offer	VERB
ajfa-918	58	27	islamic	islamic	ADJ
ajfa-918	58	28	banking	banking	NOUN
ajfa-918	58	29	services	service	NOUN
ajfa-918	58	30	should	should	AUX
ajfa-918	58	31	not	not	PART
ajfa-918	58	32	be	be	AUX
ajfa-918	58	33	taken	take	VERB
ajfa-918	58	34	as	as	ADV
ajfa-918	58	35	far	far	ADV
ajfa-918	58	36	granted	grant	VERB
ajfa-918	58	37	success	success	NOUN
ajfa-918	58	38	.	.	PUNCT
ajfa-918	59	1	other	other	ADJ
ajfa-918	59	2	factors	factor	NOUN
ajfa-918	59	3	like	like	ADP
ajfa-918	59	4	cost	cost	NOUN
ajfa-918	59	5	&	&	CCONJ
ajfa-918	59	6	benefits	benefit	NOUN
ajfa-918	59	7	of	of	ADP
ajfa-918	59	8	products	product	NOUN
ajfa-918	59	9	offered	offer	VERB
ajfa-918	59	10	,	,	PUNCT
ajfa-918	59	11	service	service	NOUN
ajfa-918	59	12	quality	quality	NOUN
ajfa-918	59	13	,	,	PUNCT
ajfa-918	59	14	convenience	convenience	NOUN
ajfa-918	59	15	and	and	CCONJ
ajfa-918	59	16	size	size	NOUN
ajfa-918	59	17	of	of	ADP
ajfa-918	59	18	the	the	DET
ajfa-918	59	19	bank	bank	NOUN
ajfa-918	59	20	were	be	AUX
ajfa-918	59	21	equally	equally	ADV
ajfa-918	59	22	important	important	ADJ
ajfa-918	59	23	if	if	SCONJ
ajfa-918	59	24	not	not	PART
ajfa-918	59	25	more	more	ADV
ajfa-918	59	26	important	important	ADJ
ajfa-918	59	27	which	which	DET
ajfa-918	59	28	influence	influence	NOUN
ajfa-918	59	29	customers	customer	NOUN
ajfa-918	59	30	’	'	PUNCT
ajfa-918	59	31	choice	choice	NOUN
ajfa-918	59	32	.	.	PUNCT
ajfa-918	60	1	haque	haque	PROPN
ajfa-918	60	2	et	et	PROPN
ajfa-918	60	3	.	.	PUNCT
ajfa-918	61	1	al	al	PROPN
ajfa-918	61	2	(	(	PUNCT
ajfa-918	61	3	2009	2009	NUM
ajfa-918	61	4	)	)	PUNCT
ajfa-918	61	5	stressed	stress	VERB
ajfa-918	61	6	upon	upon	SCONJ
ajfa-918	61	7	the	the	DET
ajfa-918	61	8	importance	importance	NOUN
ajfa-918	61	9	of	of	ADP
ajfa-918	61	10	availability	availability	NOUN
ajfa-918	61	11	of	of	ADP
ajfa-918	61	12	good	good	ADJ
ajfa-918	61	13	quality	quality	NOUN
ajfa-918	61	14	services	service	NOUN
ajfa-918	61	15	to	to	PART
ajfa-918	61	16	influence	influence	VERB
ajfa-918	61	17	customers	customer	NOUN
ajfa-918	61	18	’	’	PART
ajfa-918	61	19	perception	perception	NOUN
ajfa-918	61	20	about	about	ADP
ajfa-918	61	21	islamic	islamic	PROPN
ajfa-918	61	22	bank	bank	PROPN
ajfa-918	61	23	.	.	PUNCT
ajfa-918	62	1	in	in	ADP
ajfa-918	62	2	addition	addition	NOUN
ajfa-918	62	3	to	to	ADP
ajfa-918	62	4	this	this	DET
ajfa-918	62	5	social	social	ADJ
ajfa-918	62	6	culture	culture	NOUN
ajfa-918	62	7	and	and	CCONJ
ajfa-918	62	8	religion	religion	NOUN
ajfa-918	62	9	was	be	AUX
ajfa-918	62	10	also	also	ADV
ajfa-918	62	11	playing	play	VERB
ajfa-918	62	12	its	its	PRON
ajfa-918	62	13	role	role	NOUN
ajfa-918	62	14	in	in	ADP
ajfa-918	62	15	this	this	DET
ajfa-918	62	16	regard	regard	NOUN
ajfa-918	62	17	.	.	PUNCT
ajfa-918	63	1	they	they	PRON
ajfa-918	63	2	performed	perform	VERB
ajfa-918	63	3	their	their	PRON
ajfa-918	63	4	research	research	NOUN
ajfa-918	63	5	on	on	ADP
ajfa-918	63	6	malaysian	malaysian	ADJ
ajfa-918	63	7	customer	customer	NOUN
ajfa-918	63	8	choices	choice	NOUN
ajfa-918	63	9	.	.	PUNCT
ajfa-918	64	1	al	al	PROPN
ajfa-918	64	2	-	-	PUNCT
ajfa-918	64	3	ajmi	ajmi	PROPN
ajfa-918	64	4	et	et	PROPN
ajfa-918	64	5	.	.	PUNCT
ajfa-918	65	1	al	al	PROPN
ajfa-918	65	2	(	(	PUNCT
ajfa-918	65	3	2009	2009	NUM
ajfa-918	65	4	)	)	PUNCT
ajfa-918	65	5	after	after	SCONJ
ajfa-918	65	6	studied	study	VERB
ajfa-918	65	7	the	the	DET
ajfa-918	65	8	attitude	attitude	NOUN
ajfa-918	65	9	of	of	ADP
ajfa-918	65	10	bahrain	bahrain	NOUN
ajfa-918	65	11	clients	client	NOUN
ajfa-918	65	12	and	and	CCONJ
ajfa-918	65	13	identified	identify	VERB
ajfa-918	65	14	quality	quality	NOUN
ajfa-918	65	15	of	of	ADP
ajfa-918	65	16	customer	customer	NOUN
ajfa-918	65	17	service	service	NOUN
ajfa-918	65	18	,	,	PUNCT
ajfa-918	65	19	friendly	friendly	ADJ
ajfa-918	65	20	staff	staff	NOUN
ajfa-918	65	21	,	,	PUNCT
ajfa-918	65	22	qualified	qualified	ADJ
ajfa-918	65	23	personnel	personnel	NOUN
ajfa-918	65	24	,	,	PUNCT
ajfa-918	65	25	bank	bank	NOUN
ajfa-918	65	26	brand	brand	NOUN
ajfa-918	65	27	name	name	NOUN
ajfa-918	65	28	,	,	PUNCT
ajfa-918	65	29	convenience	convenience	NOUN
ajfa-918	65	30	in	in	ADP
ajfa-918	65	31	terms	term	NOUN
ajfa-918	65	32	of	of	ADP
ajfa-918	65	33	parking	parking	NOUN
ajfa-918	65	34	space	space	NOUN
ajfa-918	65	35	and	and	CCONJ
ajfa-918	65	36	interior	interior	ADJ
ajfa-918	65	37	design	design	NOUN
ajfa-918	65	38	of	of	ADP
ajfa-918	65	39	bank	bank	NOUN
ajfa-918	65	40	as	as	ADP
ajfa-918	65	41	the	the	DET
ajfa-918	65	42	main	main	ADJ
ajfa-918	65	43	factor	factor	NOUN
ajfa-918	65	44	for	for	ADP
ajfa-918	65	45	selection	selection	NOUN
ajfa-918	65	46	of	of	ADP
ajfa-918	65	47	bank	bank	NOUN
ajfa-918	65	48	.	.	PUNCT
ajfa-918	66	1	rashid	rashid	PROPN
ajfa-918	66	2	and	and	CCONJ
ajfa-918	66	3	hassan	hassan	PROPN
ajfa-918	66	4	(	(	PUNCT
ajfa-918	66	5	2009	2009	NUM
ajfa-918	66	6	)	)	PUNCT
ajfa-918	66	7	looked	look	VERB
ajfa-918	66	8	at	at	ADP
ajfa-918	66	9	the	the	DET
ajfa-918	66	10	responses	response	NOUN
ajfa-918	66	11	of	of	ADP
ajfa-918	66	12	bangladesh	bangladesh	NOUN
ajfa-918	66	13	customers	customer	NOUN
ajfa-918	66	14	’	'	PUNCT
ajfa-918	66	15	.	.	PUNCT
ajfa-918	67	1	they	they	PRON
ajfa-918	67	2	arrived	arrive	VERB
ajfa-918	67	3	at	at	ADP
ajfa-918	67	4	asian	asian	ADJ
ajfa-918	67	5	journal	journal	NOUN
ajfa-918	67	6	of	of	ADP
ajfa-918	67	7	finance	finance	PROPN
ajfa-918	67	8	&	&	CCONJ
ajfa-918	67	9	accounting	accounting	PROPN
ajfa-918	67	10	issn	issn	PROPN
ajfa-918	67	11	1946	1946	NUM
ajfa-918	67	12	-	-	PUNCT
ajfa-918	67	13	052x	052x	NOUN
ajfa-918	67	14	2011	2011	NUM
ajfa-918	67	15	,	,	PUNCT
ajfa-918	67	16	vol	vol	NOUN
ajfa-918	67	17	.	.	PROPN
ajfa-918	68	1	3	3	NUM
ajfa-918	68	2	,	,	PUNCT
ajfa-918	68	3	no	no	INTJ
ajfa-918	68	4	.	.	NOUN
ajfa-918	68	5	1	1	NUM
ajfa-918	68	6	:	:	PUNCT
ajfa-918	68	7	e4	e4	PROPN
ajfa-918	68	8	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-918	68	9	60	60	NUM
ajfa-918	68	10	the	the	DET
ajfa-918	68	11	conclusion	conclusion	NOUN
ajfa-918	68	12	that	that	SCONJ
ajfa-918	68	13	fast	fast	ADJ
ajfa-918	68	14	and	and	CCONJ
ajfa-918	68	15	efficient	efficient	ADJ
ajfa-918	68	16	services	service	NOUN
ajfa-918	68	17	,	,	PUNCT
ajfa-918	68	18	speed	speed	NOUN
ajfa-918	68	19	of	of	ADP
ajfa-918	68	20	the	the	DET
ajfa-918	68	21	transaction	transaction	NOUN
ajfa-918	68	22	were	be	AUX
ajfa-918	68	23	the	the	DET
ajfa-918	68	24	most	most	ADV
ajfa-918	68	25	preferred	preferred	ADJ
ajfa-918	68	26	factors	factor	NOUN
ajfa-918	68	27	in	in	ADP
ajfa-918	68	28	choosing	choose	VERB
ajfa-918	68	29	an	an	DET
ajfa-918	68	30	islamic	islamic	PROPN
ajfa-918	68	31	bank	bank	NOUN
ajfa-918	68	32	.	.	PUNCT
ajfa-918	69	1	they	they	PRON
ajfa-918	69	2	negated	negate	VERB
ajfa-918	69	3	the	the	DET
ajfa-918	69	4	religion	religion	NOUN
ajfa-918	69	5	as	as	ADP
ajfa-918	69	6	basic	basic	ADJ
ajfa-918	69	7	criteria	criterion	NOUN
ajfa-918	69	8	for	for	ADP
ajfa-918	69	9	selection	selection	NOUN
ajfa-918	69	10	of	of	ADP
ajfa-918	69	11	bank	bank	NOUN
ajfa-918	69	12	.	.	PUNCT
ajfa-918	70	1	abduh	abduh	PROPN
ajfa-918	70	2	and	and	CCONJ
ajfa-918	70	3	omar	omar	PROPN
ajfa-918	70	4	(	(	PUNCT
ajfa-918	70	5	2010	2010	NUM
ajfa-918	70	6	)	)	PUNCT
ajfa-918	70	7	identified	identify	VERB
ajfa-918	70	8	the	the	DET
ajfa-918	70	9	compliancy	compliancy	NOUN
ajfa-918	70	10	to	to	ADP
ajfa-918	70	11	shariah	shariah	PROPN
ajfa-918	70	12	laws	law	NOUN
ajfa-918	70	13	,	,	PUNCT
ajfa-918	70	14	knowledge	knowledge	NOUN
ajfa-918	70	15	of	of	ADP
ajfa-918	70	16	ulama	ulama	NOUN
ajfa-918	70	17	council	council	PROPN
ajfa-918	70	18	of	of	ADP
ajfa-918	70	19	indonesia	indonesia	PROPN
ajfa-918	70	20	(	(	PUNCT
ajfa-918	70	21	mui	mui	NOUN
ajfa-918	70	22	)	)	PUNCT
ajfa-918	70	23	fatwa	fatwa	NOUN
ajfa-918	70	24	towards	towards	ADP
ajfa-918	70	25	interest	interest	NOUN
ajfa-918	70	26	,	,	PUNCT
ajfa-918	70	27	perceptions	perception	NOUN
ajfa-918	70	28	towards	towards	ADP
ajfa-918	70	29	security	security	NOUN
ajfa-918	70	30	of	of	ADP
ajfa-918	70	31	capital	capital	NOUN
ajfa-918	70	32	and	and	CCONJ
ajfa-918	70	33	advertisement	advertisement	NOUN
ajfa-918	70	34	of	of	ADP
ajfa-918	70	35	islamic	islamic	ADJ
ajfa-918	70	36	banks	bank	NOUN
ajfa-918	70	37	as	as	ADP
ajfa-918	70	38	the	the	DET
ajfa-918	70	39	most	most	ADV
ajfa-918	70	40	important	important	ADJ
ajfa-918	70	41	variables	variable	NOUN
ajfa-918	70	42	for	for	ADP
ajfa-918	70	43	banks	bank	NOUN
ajfa-918	70	44	.	.	PUNCT
ajfa-918	71	1	they	they	PRON
ajfa-918	71	2	explored	explore	VERB
ajfa-918	71	3	the	the	DET
ajfa-918	71	4	obstacles	obstacle	NOUN
ajfa-918	71	5	to	to	ADP
ajfa-918	71	6	indonesian	indonesian	ADJ
ajfa-918	71	7	customers	customer	NOUN
ajfa-918	71	8	.	.	PUNCT
ajfa-918	72	1	khattak	khattak	PROPN
ajfa-918	72	2	&	&	CCONJ
ajfa-918	72	3	rehman	rehman	PROPN
ajfa-918	72	4	(	(	PUNCT
ajfa-918	72	5	2010	2010	NUM
ajfa-918	72	6	)	)	PUNCT
ajfa-918	72	7	analyzed	analyze	VERB
ajfa-918	72	8	the	the	DET
ajfa-918	72	9	customers	customer	NOUN
ajfa-918	72	10	’	’	PART
ajfa-918	72	11	contentment	contentment	NOUN
ajfa-918	72	12	and	and	CCONJ
ajfa-918	72	13	their	their	PRON
ajfa-918	72	14	knowledge	knowledge	NOUN
ajfa-918	72	15	about	about	ADP
ajfa-918	72	16	islamic	islamic	ADJ
ajfa-918	72	17	banking	banking	NOUN
ajfa-918	72	18	products	product	NOUN
ajfa-918	72	19	in	in	ADP
ajfa-918	72	20	pakistan	pakistan	PROPN
ajfa-918	72	21	.	.	PUNCT
ajfa-918	73	1	their	their	PRON
ajfa-918	73	2	findings	finding	NOUN
ajfa-918	73	3	suggested	suggest	VERB
ajfa-918	73	4	that	that	SCONJ
ajfa-918	73	5	islamic	islamic	ADJ
ajfa-918	73	6	banking	banking	NOUN
ajfa-918	73	7	products	product	NOUN
ajfa-918	73	8	were	be	AUX
ajfa-918	73	9	not	not	PART
ajfa-918	73	10	well	well	ADV
ajfa-918	73	11	known	known	ADJ
ajfa-918	73	12	to	to	ADP
ajfa-918	73	13	majority	majority	NOUN
ajfa-918	73	14	of	of	ADP
ajfa-918	73	15	customers	customer	NOUN
ajfa-918	73	16	.	.	PUNCT
ajfa-918	74	1	in	in	ADP
ajfa-918	74	2	their	their	PRON
ajfa-918	74	3	view	view	NOUN
ajfa-918	74	4	,	,	PUNCT
ajfa-918	74	5	branch	branch	NOUN
ajfa-918	74	6	location	location	NOUN
ajfa-918	74	7	was	be	AUX
ajfa-918	74	8	playing	play	VERB
ajfa-918	74	9	a	a	DET
ajfa-918	74	10	vital	vital	ADJ
ajfa-918	74	11	role	role	NOUN
ajfa-918	74	12	in	in	ADP
ajfa-918	74	13	this	this	DET
ajfa-918	74	14	regard	regard	NOUN
ajfa-918	74	15	.	.	PUNCT
ajfa-918	75	1	moreover	moreover	ADV
ajfa-918	75	2	they	they	PRON
ajfa-918	75	3	argued	argue	VERB
ajfa-918	75	4	that	that	SCONJ
ajfa-918	75	5	islamic	islamic	ADJ
ajfa-918	75	6	banks	bank	NOUN
ajfa-918	75	7	must	must	AUX
ajfa-918	75	8	offer	offer	VERB
ajfa-918	75	9	more	more	ADV
ajfa-918	75	10	efficient	efficient	ADJ
ajfa-918	75	11	products	product	NOUN
ajfa-918	75	12	to	to	ADP
ajfa-918	75	13	their	their	PRON
ajfa-918	75	14	customers	customer	NOUN
ajfa-918	75	15	.	.	PUNCT
ajfa-918	76	1	mansour	mansour	PROPN
ajfa-918	76	2	et	et	PROPN
ajfa-918	76	3	.	.	PUNCT
ajfa-918	77	1	al	al	PROPN
ajfa-918	77	2	(	(	PUNCT
ajfa-918	77	3	2010	2010	NUM
ajfa-918	77	4	)	)	PUNCT
ajfa-918	77	5	after	after	ADP
ajfa-918	77	6	analyzing	analyze	VERB
ajfa-918	77	7	the	the	DET
ajfa-918	77	8	uk	uk	PROPN
ajfa-918	77	9	respondents	respondent	NOUN
ajfa-918	77	10	’	'	PUNCT
ajfa-918	77	11	behavior	behavior	NOUN
ajfa-918	77	12	pin	pin	NOUN
ajfa-918	77	13	pointed	point	VERB
ajfa-918	77	14	the	the	DET
ajfa-918	77	15	cost	cost	NOUN
ajfa-918	77	16	as	as	ADP
ajfa-918	77	17	the	the	DET
ajfa-918	77	18	main	main	ADJ
ajfa-918	77	19	reason	reason	NOUN
ajfa-918	77	20	for	for	ADP
ajfa-918	77	21	choosing	choose	VERB
ajfa-918	77	22	a	a	DET
ajfa-918	77	23	bank	bank	NOUN
ajfa-918	77	24	.	.	PUNCT
ajfa-918	78	1	3	3	X
ajfa-918	78	2	.	.	X
ajfa-918	78	3	research	research	NOUN
ajfa-918	78	4	methodology	methodology	NOUN
ajfa-918	78	5	3.1	3.1	NUM
ajfa-918	78	6	data	datum	NOUN
ajfa-918	78	7	a	a	DET
ajfa-918	78	8	well	well	ADV
ajfa-918	78	9	structured	structured	ADJ
ajfa-918	78	10	questionnaire	questionnaire	NOUN
ajfa-918	78	11	was	be	AUX
ajfa-918	78	12	used	use	VERB
ajfa-918	78	13	to	to	PART
ajfa-918	78	14	collect	collect	VERB
ajfa-918	78	15	the	the	DET
ajfa-918	78	16	data	datum	NOUN
ajfa-918	78	17	from	from	ADP
ajfa-918	78	18	the	the	DET
ajfa-918	78	19	respondents	respondent	NOUN
ajfa-918	78	20	.	.	PUNCT
ajfa-918	79	1	this	this	DET
ajfa-918	79	2	instrument	instrument	NOUN
ajfa-918	79	3	of	of	ADP
ajfa-918	79	4	data	datum	NOUN
ajfa-918	79	5	collection	collection	NOUN
ajfa-918	79	6	consisted	consist	VERB
ajfa-918	79	7	of	of	ADP
ajfa-918	79	8	two	two	NUM
ajfa-918	79	9	sections	section	NOUN
ajfa-918	79	10	:	:	PUNCT
ajfa-918	79	11	ist	ist	NOUN
ajfa-918	79	12	section	section	NOUN
ajfa-918	79	13	aimed	aim	VERB
ajfa-918	79	14	to	to	PART
ajfa-918	79	15	obtain	obtain	VERB
ajfa-918	79	16	socio	socio	NOUN
ajfa-918	79	17	-	-	ADJ
ajfa-918	79	18	demographic	demographic	ADJ
ajfa-918	79	19	information	information	NOUN
ajfa-918	79	20	about	about	ADP
ajfa-918	79	21	the	the	DET
ajfa-918	79	22	respondents	respondent	NOUN
ajfa-918	79	23	and	and	CCONJ
ajfa-918	79	24	the	the	DET
ajfa-918	79	25	2nd	2nd	ADJ
ajfa-918	79	26	part	part	NOUN
ajfa-918	79	27	solicited	solicit	VERB
ajfa-918	79	28	information	information	NOUN
ajfa-918	79	29	about	about	ADP
ajfa-918	79	30	the	the	DET
ajfa-918	79	31	9	9	NUM
ajfa-918	79	32	possible	possible	ADJ
ajfa-918	79	33	obstacles	obstacle	NOUN
ajfa-918	79	34	faced	face	VERB
ajfa-918	79	35	by	by	ADP
ajfa-918	79	36	employees	employee	NOUN
ajfa-918	79	37	of	of	ADP
ajfa-918	79	38	islamic	islamic	PROPN
ajfa-918	79	39	&	&	CCONJ
ajfa-918	79	40	conventional	conventional	ADJ
ajfa-918	79	41	banks	bank	NOUN
ajfa-918	79	42	.	.	PUNCT
ajfa-918	80	1	these	these	DET
ajfa-918	80	2	motives	motive	NOUN
ajfa-918	80	3	were	be	AUX
ajfa-918	80	4	drawn	draw	VERB
ajfa-918	80	5	mainly	mainly	ADV
ajfa-918	80	6	from	from	ADP
ajfa-918	80	7	earlier	early	ADJ
ajfa-918	80	8	studies	study	NOUN
ajfa-918	80	9	cited	cite	VERB
ajfa-918	80	10	above	above	ADV
ajfa-918	80	11	.	.	PUNCT
ajfa-918	81	1	in	in	ADP
ajfa-918	81	2	the	the	DET
ajfa-918	81	3	2nd	2nd	ADJ
ajfa-918	81	4	part	part	NOUN
ajfa-918	81	5	five	five	NUM
ajfa-918	81	6	point	point	NOUN
ajfa-918	81	7	likert	likert	ADJ
ajfa-918	81	8	scale	scale	NOUN
ajfa-918	81	9	was	be	AUX
ajfa-918	81	10	used	use	VERB
ajfa-918	81	11	to	to	PART
ajfa-918	81	12	obtain	obtain	VERB
ajfa-918	81	13	answers	answer	NOUN
ajfa-918	81	14	from	from	ADP
ajfa-918	81	15	respondents	respondent	NOUN
ajfa-918	81	16	.	.	PUNCT
ajfa-918	82	1	the	the	DET
ajfa-918	82	2	population	population	NOUN
ajfa-918	82	3	of	of	ADP
ajfa-918	82	4	the	the	DET
ajfa-918	82	5	study	study	NOUN
ajfa-918	82	6	consisted	consist	VERB
ajfa-918	82	7	of	of	ADP
ajfa-918	82	8	the	the	DET
ajfa-918	82	9	employees	employee	NOUN
ajfa-918	82	10	of	of	ADP
ajfa-918	82	11	islamic	islamic	ADJ
ajfa-918	82	12	and	and	CCONJ
ajfa-918	82	13	conventional	conventional	ADJ
ajfa-918	82	14	banks	bank	NOUN
ajfa-918	82	15	.	.	PUNCT
ajfa-918	83	1	they	they	PRON
ajfa-918	83	2	were	be	AUX
ajfa-918	83	3	randomly	randomly	ADV
ajfa-918	83	4	selected	select	VERB
ajfa-918	83	5	from	from	ADP
ajfa-918	83	6	gujranwala	gujranwala	PROPN
ajfa-918	83	7	division	division	NOUN
ajfa-918	83	8	.	.	PUNCT
ajfa-918	84	1	the	the	DET
ajfa-918	84	2	researcher	researcher	NOUN
ajfa-918	84	3	distributed	distribute	VERB
ajfa-918	84	4	the	the	DET
ajfa-918	84	5	questionnaire	questionnaire	NOUN
ajfa-918	84	6	among	among	ADP
ajfa-918	84	7	a	a	DET
ajfa-918	84	8	sample	sample	NOUN
ajfa-918	84	9	size	size	NOUN
ajfa-918	84	10	of	of	ADP
ajfa-918	84	11	around	around	ADP
ajfa-918	84	12	160	160	NUM
ajfa-918	84	13	people	people	NOUN
ajfa-918	84	14	.	.	PUNCT
ajfa-918	85	1	out	out	ADP
ajfa-918	85	2	of	of	ADP
ajfa-918	85	3	those	those	DET
ajfa-918	85	4	distributed	distribute	VERB
ajfa-918	85	5	questionnaires	questionnaire	NOUN
ajfa-918	85	6	,	,	PUNCT
ajfa-918	85	7	126	126	NUM
ajfa-918	85	8	were	be	AUX
ajfa-918	85	9	fully	fully	ADV
ajfa-918	85	10	answered	answer	VERB
ajfa-918	85	11	while	while	SCONJ
ajfa-918	85	12	the	the	DET
ajfa-918	85	13	remaining	remain	VERB
ajfa-918	85	14	34	34	NUM
ajfa-918	85	15	were	be	AUX
ajfa-918	85	16	either	either	ADV
ajfa-918	85	17	partially	partially	ADV
ajfa-918	85	18	answered	answer	VERB
ajfa-918	85	19	or	or	CCONJ
ajfa-918	85	20	not	not	PART
ajfa-918	85	21	answered	answer	VERB
ajfa-918	85	22	at	at	ADV
ajfa-918	85	23	all	all	ADV
ajfa-918	85	24	.	.	PUNCT
ajfa-918	86	1	researcher	researcher	PROPN
ajfa-918	86	2	went	go	VERB
ajfa-918	86	3	to	to	ADP
ajfa-918	86	4	extra	extra	ADJ
ajfa-918	86	5	length	length	NOUN
ajfa-918	86	6	to	to	PART
ajfa-918	86	7	make	make	VERB
ajfa-918	86	8	sure	sure	ADJ
ajfa-918	86	9	that	that	SCONJ
ajfa-918	86	10	selected	select	VERB
ajfa-918	86	11	sample	sample	NOUN
ajfa-918	86	12	had	have	VERB
ajfa-918	86	13	diversification	diversification	NOUN
ajfa-918	86	14	in	in	ADP
ajfa-918	86	15	demographic	demographic	ADJ
ajfa-918	86	16	characteristics	characteristic	NOUN
ajfa-918	86	17	.	.	PUNCT
ajfa-918	87	1	pre	pre	X
ajfa-918	87	2	testing	testing	NOUN
ajfa-918	87	3	was	be	AUX
ajfa-918	87	4	also	also	ADV
ajfa-918	87	5	done	do	VERB
ajfa-918	87	6	to	to	PART
ajfa-918	87	7	check	check	VERB
ajfa-918	87	8	the	the	DET
ajfa-918	87	9	validity	validity	NOUN
ajfa-918	87	10	of	of	ADP
ajfa-918	87	11	questionnaire	questionnaire	NOUN
ajfa-918	87	12	.	.	PUNCT
ajfa-918	88	1	3.2	3.2	NUM
ajfa-918	88	2	methodology	methodology	NOUN
ajfa-918	88	3	stratified	stratify	VERB
ajfa-918	88	4	random	random	ADJ
ajfa-918	88	5	sampling	sampling	NOUN
ajfa-918	88	6	was	be	AUX
ajfa-918	88	7	used	use	VERB
ajfa-918	88	8	to	to	PART
ajfa-918	88	9	select	select	VERB
ajfa-918	88	10	the	the	DET
ajfa-918	88	11	sample	sample	NOUN
ajfa-918	88	12	.	.	PUNCT
ajfa-918	89	1	it	it	PRON
ajfa-918	89	2	was	be	AUX
ajfa-918	89	3	considered	consider	VERB
ajfa-918	89	4	that	that	SCONJ
ajfa-918	89	5	conventional	conventional	ADJ
ajfa-918	89	6	and	and	CCONJ
ajfa-918	89	7	islamic	islamic	PROPN
ajfa-918	89	8	bank	bank	PROPN
ajfa-918	89	9	employees	employee	NOUN
ajfa-918	89	10	might	might	AUX
ajfa-918	89	11	have	have	VERB
ajfa-918	89	12	different	different	ADJ
ajfa-918	89	13	opinions	opinion	NOUN
ajfa-918	89	14	about	about	ADP
ajfa-918	89	15	the	the	DET
ajfa-918	89	16	barriers	barrier	NOUN
ajfa-918	89	17	of	of	ADP
ajfa-918	89	18	ib	ib	NOUN
ajfa-918	89	19	growth	growth	NOUN
ajfa-918	89	20	.	.	PUNCT
ajfa-918	90	1	so	so	ADV
ajfa-918	90	2	population	population	NOUN
ajfa-918	90	3	of	of	ADP
ajfa-918	90	4	bank	bank	NOUN
ajfa-918	90	5	employees	employee	NOUN
ajfa-918	90	6	was	be	AUX
ajfa-918	90	7	divided	divide	VERB
ajfa-918	90	8	into	into	ADP
ajfa-918	90	9	two	two	NUM
ajfa-918	90	10	groups	group	NOUN
ajfa-918	90	11	:	:	PUNCT
ajfa-918	90	12	conventional	conventional	ADJ
ajfa-918	90	13	bank	bank	NOUN
ajfa-918	90	14	employees	employee	NOUN
ajfa-918	90	15	(	(	PUNCT
ajfa-918	90	16	cbe	cbe	PROPN
ajfa-918	90	17	)	)	PUNCT
ajfa-918	90	18	and	and	CCONJ
ajfa-918	90	19	islamic	islamic	PROPN
ajfa-918	90	20	bank	bank	PROPN
ajfa-918	90	21	employees	employee	NOUN
ajfa-918	90	22	(	(	PUNCT
ajfa-918	90	23	cbe	cbe	PROPN
ajfa-918	90	24	)	)	PUNCT
ajfa-918	90	25	.	.	PUNCT
ajfa-918	91	1	proportion	proportion	NOUN
ajfa-918	91	2	allocation	allocation	NOUN
ajfa-918	91	3	method	method	NOUN
ajfa-918	91	4	was	be	AUX
ajfa-918	91	5	used	use	VERB
ajfa-918	91	6	to	to	PART
ajfa-918	91	7	select	select	VERB
ajfa-918	91	8	the	the	DET
ajfa-918	91	9	sample	sample	NOUN
ajfa-918	91	10	from	from	ADP
ajfa-918	91	11	these	these	DET
ajfa-918	91	12	two	two	NUM
ajfa-918	91	13	said	say	VERB
ajfa-918	91	14	groups	group	NOUN
ajfa-918	91	15	.	.	PUNCT
ajfa-918	92	1	chi	chi	ADJ
ajfa-918	92	2	-	-	PUNCT
ajfa-918	92	3	square	square	ADJ
ajfa-918	92	4	test	test	NOUN
ajfa-918	92	5	of	of	ADP
ajfa-918	92	6	homogeneity	homogeneity	NOUN
ajfa-918	92	7	was	be	AUX
ajfa-918	92	8	used	use	VERB
ajfa-918	92	9	to	to	PART
ajfa-918	92	10	see	see	VERB
ajfa-918	92	11	the	the	DET
ajfa-918	92	12	difference	difference	NOUN
ajfa-918	92	13	among	among	ADP
ajfa-918	92	14	more	more	ADJ
ajfa-918	92	15	than	than	ADP
ajfa-918	92	16	two	two	NUM
ajfa-918	92	17	categories	category	NOUN
ajfa-918	92	18	of	of	ADP
ajfa-918	92	19	responses	response	NOUN
ajfa-918	92	20	.	.	PUNCT
ajfa-918	93	1	for	for	SCONJ
ajfa-918	93	2	barriers	barrier	NOUN
ajfa-918	93	3	to	to	ADP
ajfa-918	93	4	ib	ib	PROPN
ajfa-918	93	5	growth	growth	NOUN
ajfa-918	93	6	5	5	NUM
ajfa-918	93	7	-	-	PUNCT
ajfa-918	93	8	point	point	NOUN
ajfa-918	93	9	likert	likert	NOUN
ajfa-918	93	10	scales	scale	NOUN
ajfa-918	93	11	converted	convert	VERB
ajfa-918	93	12	into	into	ADP
ajfa-918	93	13	3	3	NUM
ajfa-918	93	14	-	-	PUNCT
ajfa-918	93	15	point	point	NOUN
ajfa-918	93	16	for	for	ADP
ajfa-918	93	17	data	datum	NOUN
ajfa-918	93	18	analysis	analysis	NOUN
ajfa-918	93	19	.	.	PUNCT
ajfa-918	94	1	strongly	strongly	ADV
ajfa-918	94	2	agree	agree	VERB
ajfa-918	94	3	and	and	CCONJ
ajfa-918	94	4	agree	agree	VERB
ajfa-918	94	5	considered	consider	VERB
ajfa-918	94	6	to	to	PART
ajfa-918	94	7	be	be	AUX
ajfa-918	94	8	one	one	NUM
ajfa-918	94	9	category	category	NOUN
ajfa-918	94	10	as	as	SCONJ
ajfa-918	94	11	agree	agree	VERB
ajfa-918	94	12	and	and	CCONJ
ajfa-918	94	13	strongly	strongly	ADV
ajfa-918	94	14	disagree	disagree	VERB
ajfa-918	94	15	and	and	CCONJ
ajfa-918	94	16	disagree	disagree	VERB
ajfa-918	94	17	as	as	ADP
ajfa-918	94	18	disagree	disagree	NOUN
ajfa-918	94	19	.	.	PUNCT
ajfa-918	95	1	this	this	DET
ajfa-918	95	2	test	test	NOUN
ajfa-918	95	3	shows	show	NOUN
ajfa-918	95	4	which	which	DET
ajfa-918	95	5	category	category	NOUN
ajfa-918	95	6	proportion	proportion	NOUN
ajfa-918	95	7	is	be	AUX
ajfa-918	95	8	different	different	ADJ
ajfa-918	95	9	from	from	ADP
ajfa-918	95	10	other	other	ADJ
ajfa-918	95	11	?	?	PUNCT
ajfa-918	96	1	so	so	ADV
ajfa-918	96	2	on	on	ADP
ajfa-918	96	3	the	the	DET
ajfa-918	96	4	basis	basis	NOUN
ajfa-918	96	5	of	of	ADP
ajfa-918	96	6	this	this	DET
ajfa-918	96	7	test	test	NOUN
ajfa-918	96	8	we	we	PRON
ajfa-918	96	9	can	can	AUX
ajfa-918	96	10	say	say	VERB
ajfa-918	96	11	which	which	PRON
ajfa-918	96	12	assumed	assume	VERB
ajfa-918	96	13	factor	factor	NOUN
ajfa-918	96	14	is	be	AUX
ajfa-918	96	15	asian	asian	ADJ
ajfa-918	96	16	journal	journal	NOUN
ajfa-918	96	17	of	of	ADP
ajfa-918	96	18	finance	finance	PROPN
ajfa-918	96	19	&	&	CCONJ
ajfa-918	96	20	accounting	accounting	PROPN
ajfa-918	96	21	issn	issn	PROPN
ajfa-918	96	22	1946	1946	NUM
ajfa-918	96	23	-	-	PUNCT
ajfa-918	96	24	052x	052x	NOUN
ajfa-918	96	25	2011	2011	NUM
ajfa-918	96	26	,	,	PUNCT
ajfa-918	96	27	vol	vol	NOUN
ajfa-918	96	28	.	.	PROPN
ajfa-918	97	1	3	3	NUM
ajfa-918	97	2	,	,	PUNCT
ajfa-918	97	3	no	no	INTJ
ajfa-918	97	4	.	.	NOUN
ajfa-918	97	5	1	1	NUM
ajfa-918	97	6	:	:	PUNCT
ajfa-918	97	7	e4	e4	PROPN
ajfa-918	97	8	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-918	97	9	61	61	NUM
ajfa-918	97	10	confirmed	confirm	VERB
ajfa-918	97	11	in	in	ADP
ajfa-918	97	12	this	this	DET
ajfa-918	97	13	research	research	NOUN
ajfa-918	97	14	.	.	PUNCT
ajfa-918	98	1	it	it	PRON
ajfa-918	98	2	is	be	AUX
ajfa-918	98	3	important	important	ADJ
ajfa-918	98	4	to	to	PART
ajfa-918	98	5	note	note	VERB
ajfa-918	98	6	that	that	SCONJ
ajfa-918	98	7	we	we	PRON
ajfa-918	98	8	should	should	AUX
ajfa-918	98	9	not	not	PART
ajfa-918	98	10	only	only	ADV
ajfa-918	98	11	focus	focus	VERB
ajfa-918	98	12	on	on	ADP
ajfa-918	98	13	the	the	DET
ajfa-918	98	14	p	p	NOUN
ajfa-918	98	15	-	-	PUNCT
ajfa-918	98	16	value	value	NOUN
ajfa-918	98	17	for	for	ADP
ajfa-918	98	18	the	the	DET
ajfa-918	98	19	confirmation	confirmation	NOUN
ajfa-918	98	20	of	of	ADP
ajfa-918	98	21	factors	factor	NOUN
ajfa-918	98	22	.	.	PUNCT
ajfa-918	99	1	we	we	PRON
ajfa-918	99	2	also	also	ADV
ajfa-918	99	3	have	have	VERB
ajfa-918	99	4	to	to	PART
ajfa-918	99	5	see	see	VERB
ajfa-918	99	6	the	the	DET
ajfa-918	99	7	proportions	proportion	NOUN
ajfa-918	99	8	of	of	ADP
ajfa-918	99	9	category	category	NOUN
ajfa-918	99	10	which	which	PRON
ajfa-918	99	11	has	have	VERB
ajfa-918	99	12	significantly	significantly	ADV
ajfa-918	99	13	high	high	ADJ
ajfa-918	99	14	frequency	frequency	NOUN
ajfa-918	99	15	.	.	PUNCT
ajfa-918	100	1	it	it	PRON
ajfa-918	100	2	shows	show	VERB
ajfa-918	100	3	that	that	SCONJ
ajfa-918	100	4	result	result	NOUN
ajfa-918	100	5	move	move	NOUN
ajfa-918	100	6	towards	towards	ADP
ajfa-918	100	7	that	that	DET
ajfa-918	100	8	direction	direction	NOUN
ajfa-918	100	9	e.g.	e.g.	ADV
ajfa-918	100	10	high	high	ADJ
ajfa-918	100	11	frequency	frequency	NOUN
ajfa-918	100	12	of	of	ADP
ajfa-918	100	13	agree	agree	VERB
ajfa-918	100	14	with	with	ADP
ajfa-918	100	15	p	p	NOUN
ajfa-918	100	16	-	-	PUNCT
ajfa-918	100	17	value	value	NOUN
ajfa-918	100	18	<	<	X
ajfa-918	100	19	level	level	NOUN
ajfa-918	100	20	of	of	ADP
ajfa-918	100	21	significance	significance	NOUN
ajfa-918	100	22	shows	show	VERB
ajfa-918	100	23	that	that	SCONJ
ajfa-918	100	24	factor	factor	NOUN
ajfa-918	100	25	is	be	AUX
ajfa-918	100	26	significant	significant	ADJ
ajfa-918	100	27	barrier	barrier	NOUN
ajfa-918	100	28	for	for	ADP
ajfa-918	100	29	ib	ib	PROPN
ajfa-918	100	30	end	end	VERB
ajfa-918	100	31	vice	vice	PROPN
ajfa-918	100	32	versa	versa	ADV
ajfa-918	100	33	.	.	PUNCT
ajfa-918	101	1	4	4	X
ajfa-918	101	2	.	.	X
ajfa-918	101	3	empirical	empirical	ADJ
ajfa-918	101	4	results	result	NOUN
ajfa-918	101	5	out	out	ADP
ajfa-918	101	6	of	of	ADP
ajfa-918	101	7	126	126	NUM
ajfa-918	101	8	respondents	respondent	NOUN
ajfa-918	101	9	101	101	NUM
ajfa-918	101	10	were	be	AUX
ajfa-918	101	11	male	male	ADJ
ajfa-918	101	12	which	which	PRON
ajfa-918	101	13	constituted	constitute	VERB
ajfa-918	101	14	80.2	80.2	NUM
ajfa-918	101	15	%	%	NOUN
ajfa-918	101	16	of	of	ADP
ajfa-918	101	17	sample	sample	NOUN
ajfa-918	101	18	while	while	SCONJ
ajfa-918	101	19	remaining	remain	VERB
ajfa-918	101	20	19.8	19.8	NUM
ajfa-918	101	21	%	%	NOUN
ajfa-918	101	22	were	be	AUX
ajfa-918	101	23	female	female	ADJ
ajfa-918	101	24	respondents	respondent	NOUN
ajfa-918	101	25	.	.	PUNCT
ajfa-918	102	1	with	with	ADP
ajfa-918	102	2	respect	respect	NOUN
ajfa-918	102	3	to	to	ADP
ajfa-918	102	4	age	age	NOUN
ajfa-918	102	5	of	of	ADP
ajfa-918	102	6	participants	participant	NOUN
ajfa-918	102	7	,	,	PUNCT
ajfa-918	102	8	age	age	NOUN
ajfa-918	102	9	group	group	NOUN
ajfa-918	102	10	of	of	ADP
ajfa-918	102	11	25	25	NUM
ajfa-918	102	12	to	to	PART
ajfa-918	102	13	35	35	NUM
ajfa-918	102	14	was	be	AUX
ajfa-918	102	15	the	the	DET
ajfa-918	102	16	largest	large	ADJ
ajfa-918	102	17	with	with	ADP
ajfa-918	102	18	a	a	DET
ajfa-918	102	19	figure	figure	NOUN
ajfa-918	102	20	of	of	ADP
ajfa-918	102	21	39.7	39.7	NUM
ajfa-918	102	22	%	%	NOUN
ajfa-918	102	23	.	.	PUNCT
ajfa-918	103	1	participants	participant	NOUN
ajfa-918	103	2	of	of	ADP
ajfa-918	103	3	55	55	NUM
ajfa-918	103	4	years	year	NOUN
ajfa-918	103	5	or	or	CCONJ
ajfa-918	103	6	elder	elder	NOUN
ajfa-918	103	7	were	be	AUX
ajfa-918	103	8	in	in	ADP
ajfa-918	103	9	the	the	DET
ajfa-918	103	10	least	least	ADJ
ajfa-918	103	11	quantity	quantity	NOUN
ajfa-918	103	12	.	.	PUNCT
ajfa-918	104	1	according	accord	VERB
ajfa-918	104	2	to	to	ADP
ajfa-918	104	3	the	the	DET
ajfa-918	104	4	education	education	NOUN
ajfa-918	104	5	of	of	ADP
ajfa-918	104	6	the	the	DET
ajfa-918	104	7	respondents	respondent	NOUN
ajfa-918	104	8	,	,	PUNCT
ajfa-918	104	9	people	people	NOUN
ajfa-918	104	10	with	with	ADP
ajfa-918	104	11	graduation	graduation	NOUN
ajfa-918	104	12	had	have	VERB
ajfa-918	104	13	lion	lion	NOUN
ajfa-918	104	14	’s	’s	PART
ajfa-918	104	15	share	share	NOUN
ajfa-918	104	16	of	of	ADP
ajfa-918	104	17	around	around	ADP
ajfa-918	104	18	49	49	NUM
ajfa-918	104	19	%	%	NOUN
ajfa-918	104	20	.	.	PUNCT
ajfa-918	105	1	around	around	ADV
ajfa-918	105	2	39.7	39.7	NUM
ajfa-918	105	3	%	%	NOUN
ajfa-918	105	4	people	people	NOUN
ajfa-918	105	5	had	have	AUX
ajfa-918	105	6	attained	attain	VERB
ajfa-918	105	7	master	master	NOUN
ajfa-918	105	8	’s	’s	PART
ajfa-918	105	9	qualification	qualification	NOUN
ajfa-918	105	10	.	.	PUNCT
ajfa-918	106	1	these	these	DET
ajfa-918	106	2	statistics	statistic	NOUN
ajfa-918	106	3	show	show	VERB
ajfa-918	106	4	that	that	SCONJ
ajfa-918	106	5	majority	majority	NOUN
ajfa-918	106	6	of	of	ADP
ajfa-918	106	7	our	our	PRON
ajfa-918	106	8	sample	sample	NOUN
ajfa-918	106	9	was	be	AUX
ajfa-918	106	10	highly	highly	ADV
ajfa-918	106	11	qualified	qualified	ADJ
ajfa-918	106	12	.	.	PUNCT
ajfa-918	107	1	if	if	SCONJ
ajfa-918	107	2	we	we	PRON
ajfa-918	107	3	turn	turn	VERB
ajfa-918	107	4	our	our	PRON
ajfa-918	107	5	attention	attention	NOUN
ajfa-918	107	6	to	to	ADP
ajfa-918	107	7	marital	marital	ADJ
ajfa-918	107	8	status	status	NOUN
ajfa-918	107	9	of	of	ADP
ajfa-918	107	10	correspondents	correspondent	NOUN
ajfa-918	107	11	here	here	ADV
ajfa-918	107	12	married	marry	VERB
ajfa-918	107	13	people	people	NOUN
ajfa-918	107	14	had	have	VERB
ajfa-918	107	15	a	a	DET
ajfa-918	107	16	figure	figure	NOUN
ajfa-918	107	17	of	of	ADP
ajfa-918	107	18	63.5	63.5	NUM
ajfa-918	107	19	%	%	NOUN
ajfa-918	107	20	as	as	ADP
ajfa-918	107	21	compared	compare	VERB
ajfa-918	107	22	to	to	ADP
ajfa-918	107	23	37.5	37.5	NUM
ajfa-918	107	24	%	%	NOUN
ajfa-918	107	25	of	of	ADP
ajfa-918	107	26	single	single	ADJ
ajfa-918	107	27	.	.	PUNCT
ajfa-918	108	1	the	the	DET
ajfa-918	108	2	researcher	researcher	NOUN
ajfa-918	108	3	found	find	VERB
ajfa-918	108	4	out	out	ADP
ajfa-918	108	5	that	that	SCONJ
ajfa-918	108	6	29	29	NUM
ajfa-918	108	7	%	%	NOUN
ajfa-918	108	8	respondents	respondent	NOUN
ajfa-918	108	9	were	be	AUX
ajfa-918	108	10	earning	earn	VERB
ajfa-918	108	11	25,000	25,000	NUM
ajfa-918	108	12	or	or	CCONJ
ajfa-918	108	13	less	less	ADJ
ajfa-918	108	14	,	,	PUNCT
ajfa-918	108	15	49.2	49.2	NUM
ajfa-918	108	16	%	%	NOUN
ajfa-918	108	17	between	between	ADP
ajfa-918	108	18	25,000	25,000	NUM
ajfa-918	108	19	to	to	PART
ajfa-918	108	20	50,000.while	50,000.while	NUM
ajfa-918	108	21	16.7	16.7	NUM
ajfa-918	108	22	%	%	NOUN
ajfa-918	108	23	were	be	AUX
ajfa-918	108	24	earning	earn	VERB
ajfa-918	108	25	between	between	ADP
ajfa-918	108	26	50,000	50,000	NUM
ajfa-918	108	27	and	and	CCONJ
ajfa-918	108	28	100,000	100,000	NUM
ajfa-918	108	29	,	,	PUNCT
ajfa-918	108	30	while	while	SCONJ
ajfa-918	108	31	6	6	NUM
ajfa-918	108	32	participants	participant	NOUN
ajfa-918	108	33	were	be	AUX
ajfa-918	108	34	earning	earn	VERB
ajfa-918	108	35	above	above	ADP
ajfa-918	108	36	100,000	100,000	NUM
ajfa-918	108	37	.	.	PUNCT
ajfa-918	109	1	the	the	DET
ajfa-918	109	2	above	above	ADJ
ajfa-918	109	3	percentage	percentage	NOUN
ajfa-918	109	4	shows	show	VERB
ajfa-918	109	5	that	that	SCONJ
ajfa-918	109	6	majority	majority	NOUN
ajfa-918	109	7	of	of	ADP
ajfa-918	109	8	the	the	DET
ajfa-918	109	9	respondents	respondent	NOUN
ajfa-918	109	10	were	be	AUX
ajfa-918	109	11	earning	earn	VERB
ajfa-918	109	12	50,000	50,000	NUM
ajfa-918	109	13	or	or	CCONJ
ajfa-918	109	14	less	less	ADJ
ajfa-918	109	15	per	per	ADP
ajfa-918	109	16	month	month	NOUN
ajfa-918	109	17	.	.	PUNCT
ajfa-918	110	1	with	with	ADP
ajfa-918	110	2	respect	respect	NOUN
ajfa-918	110	3	to	to	ADP
ajfa-918	110	4	type	type	NOUN
ajfa-918	110	5	of	of	ADP
ajfa-918	110	6	banking	banking	NOUN
ajfa-918	110	7	,	,	PUNCT
ajfa-918	110	8	majority	majority	NOUN
ajfa-918	110	9	of	of	ADP
ajfa-918	110	10	bankers	banker	NOUN
ajfa-918	110	11	in	in	ADP
ajfa-918	110	12	our	our	PRON
ajfa-918	110	13	population	population	NOUN
ajfa-918	110	14	were	be	AUX
ajfa-918	110	15	employees	employee	NOUN
ajfa-918	110	16	of	of	ADP
ajfa-918	110	17	conventional	conventional	ADJ
ajfa-918	110	18	banks	bank	NOUN
ajfa-918	110	19	.	.	PUNCT
ajfa-918	111	1	their	their	PRON
ajfa-918	111	2	percentages	percentage	NOUN
ajfa-918	111	3	stood	stand	VERB
ajfa-918	111	4	at	at	ADP
ajfa-918	111	5	69.8	69.8	NUM
ajfa-918	111	6	%	%	NOUN
ajfa-918	111	7	while	while	SCONJ
ajfa-918	111	8	employees	employee	NOUN
ajfa-918	111	9	of	of	ADP
ajfa-918	111	10	islamic	islamic	ADJ
ajfa-918	111	11	banks	bank	NOUN
ajfa-918	111	12	had	have	VERB
ajfa-918	111	13	less	less	ADJ
ajfa-918	111	14	proportion	proportion	NOUN
ajfa-918	111	15	with	with	ADP
ajfa-918	111	16	31.2	31.2	NUM
ajfa-918	111	17	%	%	NOUN
ajfa-918	111	18	.	.	PUNCT
ajfa-918	112	1	the	the	DET
ajfa-918	112	2	researcher	researcher	NOUN
ajfa-918	112	3	observed	observe	VERB
ajfa-918	112	4	that	that	SCONJ
ajfa-918	112	5	5	5	NUM
ajfa-918	112	6	-	-	SYM
ajfa-918	112	7	10	10	NUM
ajfa-918	112	8	years	year	NOUN
ajfa-918	112	9	experience	experience	NOUN
ajfa-918	112	10	category	category	NOUN
ajfa-918	112	11	had	have	VERB
ajfa-918	112	12	25.4	25.4	NUM
ajfa-918	112	13	%	%	NOUN
ajfa-918	112	14	while	while	SCONJ
ajfa-918	112	15	less	less	ADJ
ajfa-918	112	16	than	than	ADP
ajfa-918	112	17	3	3	NUM
ajfa-918	112	18	years	year	NOUN
ajfa-918	112	19	experience	experience	NOUN
ajfa-918	112	20	people	people	NOUN
ajfa-918	112	21	were	be	AUX
ajfa-918	112	22	24.6	24.6	NUM
ajfa-918	112	23	%	%	NOUN
ajfa-918	112	24	.	.	PUNCT
ajfa-918	113	1	in	in	ADP
ajfa-918	113	2	this	this	DET
ajfa-918	113	3	category	category	NOUN
ajfa-918	113	4	least	least	ADJ
ajfa-918	113	5	percentage	percentage	NOUN
ajfa-918	113	6	of	of	ADP
ajfa-918	113	7	18.3	18.3	NUM
ajfa-918	113	8	was	be	AUX
ajfa-918	113	9	of	of	ADP
ajfa-918	113	10	respondents	respondent	NOUN
ajfa-918	113	11	with	with	ADP
ajfa-918	113	12	15	15	NUM
ajfa-918	113	13	or	or	CCONJ
ajfa-918	113	14	more	more	ADJ
ajfa-918	113	15	year	year	NOUN
ajfa-918	113	16	’s	’s	PART
ajfa-918	113	17	experience	experience	NOUN
ajfa-918	113	18	.	.	PUNCT
ajfa-918	114	1	table	table	NOUN
ajfa-918	114	2	1	1	NUM
ajfa-918	114	3	presents	present	VERB
ajfa-918	114	4	descriptive	descriptive	ADJ
ajfa-918	114	5	statistics	statistic	NOUN
ajfa-918	114	6	of	of	ADP
ajfa-918	114	7	the	the	DET
ajfa-918	114	8	respondents	respondent	NOUN
ajfa-918	114	9	.	.	PUNCT
ajfa-918	115	1	asian	asian	ADJ
ajfa-918	115	2	journal	journal	PROPN
ajfa-918	115	3	of	of	ADP
ajfa-918	115	4	finance	finance	PROPN
ajfa-918	115	5	&	&	CCONJ
ajfa-918	115	6	accounting	accounting	PROPN
ajfa-918	115	7	issn	issn	PROPN
ajfa-918	115	8	1946	1946	NUM
ajfa-918	115	9	-	-	PUNCT
ajfa-918	115	10	052x	052x	NOUN
ajfa-918	115	11	2011	2011	NUM
ajfa-918	115	12	,	,	PUNCT
ajfa-918	115	13	vol	vol	NOUN
ajfa-918	115	14	.	.	PROPN
ajfa-918	116	1	3	3	NUM
ajfa-918	116	2	,	,	PUNCT
ajfa-918	116	3	no	no	INTJ
ajfa-918	116	4	.	.	NOUN
ajfa-918	116	5	1	1	NUM
ajfa-918	116	6	:	:	PUNCT
ajfa-918	116	7	e4	e4	PROPN
ajfa-918	116	8	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-918	116	9	62	62	NUM
ajfa-918	116	10	table	table	NOUN
ajfa-918	116	11	1	1	NUM
ajfa-918	116	12	.	.	PUNCT
ajfa-918	117	1	demographic	demographic	ADJ
ajfa-918	117	2	characteristics	characteristic	NOUN
ajfa-918	117	3	of	of	ADP
ajfa-918	117	4	the	the	DET
ajfa-918	117	5	sample	sample	NOUN
ajfa-918	117	6	demographic	demographic	ADJ
ajfa-918	117	7	categories	category	NOUN
ajfa-918	117	8	frequency	frequency	NOUN
ajfa-918	117	9	%	%	NOUN
ajfa-918	117	10	age	age	NOUN
ajfa-918	117	11	under	under	ADP
ajfa-918	117	12	25	25	NUM
ajfa-918	117	13	23	23	NUM
ajfa-918	117	14	18.3	18.3	NUM
ajfa-918	117	15	25	25	NUM
ajfa-918	117	16	-	-	SYM
ajfa-918	117	17	35	35	NUM
ajfa-918	117	18	50	50	NUM
ajfa-918	117	19	39.7	39.7	NUM
ajfa-918	117	20	35	35	NUM
ajfa-918	117	21	-	-	SYM
ajfa-918	117	22	45	45	NUM
ajfa-918	117	23	29	29	NUM
ajfa-918	117	24	23.0	23.0	NUM
ajfa-918	117	25	45	45	NUM
ajfa-918	117	26	-	-	SYM
ajfa-918	117	27	55	55	NUM
ajfa-918	117	28	14	14	NUM
ajfa-918	117	29	11.1	11.1	NUM
ajfa-918	117	30	above	above	ADP
ajfa-918	117	31	55	55	NUM
ajfa-918	117	32	10	10	NUM
ajfa-918	117	33	7.9	7.9	NUM
ajfa-918	117	34	sex	sex	NOUN
ajfa-918	117	35	male	male	NOUN
ajfa-918	117	36	101	101	NUM
ajfa-918	117	37	80.2	80.2	NUM
ajfa-918	117	38	female	female	ADJ
ajfa-918	117	39	25	25	NUM
ajfa-918	117	40	19.8	19.8	NUM
ajfa-918	117	41	education	education	NOUN
ajfa-918	117	42	matric	matric	NOUN
ajfa-918	117	43	7	7	NUM
ajfa-918	117	44	5.6	5.6	NUM
ajfa-918	117	45	intermediate	intermediate	ADJ
ajfa-918	117	46	6	6	NUM
ajfa-918	117	47	4.8	4.8	NUM
ajfa-918	117	48	graduation	graduation	NOUN
ajfa-918	117	49	61	61	NUM
ajfa-918	117	50	48.4	48.4	NUM
ajfa-918	117	51	master	master	NOUN
ajfa-918	117	52	50	50	NUM
ajfa-918	117	53	39.7	39.7	NUM
ajfa-918	117	54	other	other	ADJ
ajfa-918	117	55	2	2	NUM
ajfa-918	117	56	1.6	1.6	NUM
ajfa-918	117	57	marital	marital	ADJ
ajfa-918	117	58	status	status	NOUN
ajfa-918	117	59	single	single	ADJ
ajfa-918	117	60	46	46	NUM
ajfa-918	117	61	36.5	36.5	NUM
ajfa-918	117	62	married	marry	VERB
ajfa-918	117	63	80	80	NUM
ajfa-918	117	64	63.5	63.5	NUM
ajfa-918	117	65	monthly	monthly	ADJ
ajfa-918	117	66	income	income	NOUN
ajfa-918	117	67	0	0	NUM
ajfa-918	117	68	-	-	SYM
ajfa-918	117	69	10000	10000	NUM
ajfa-918	117	70	1	1	NUM
ajfa-918	117	71	.8	.8	NUM
ajfa-918	117	72	10000	10000	NUM
ajfa-918	117	73	-	-	SYM
ajfa-918	117	74	25000	25000	NUM
ajfa-918	117	75	36	36	NUM
ajfa-918	117	76	28.6	28.6	NUM
ajfa-918	117	77	25000	25000	NUM
ajfa-918	117	78	-	-	SYM
ajfa-918	117	79	50000	50000	NUM
ajfa-918	117	80	62	62	NUM
ajfa-918	117	81	49.2	49.2	NUM
ajfa-918	117	82	50000	50000	NUM
ajfa-918	117	83	-	-	SYM
ajfa-918	117	84	100000	100000	NUM
ajfa-918	117	85	21	21	NUM
ajfa-918	117	86	16.7	16.7	NUM
ajfa-918	117	87	above	above	ADP
ajfa-918	117	88	100000	100000	NUM
ajfa-918	117	89	6	6	NUM
ajfa-918	117	90	4.8	4.8	NUM
ajfa-918	117	91	banking	banking	NOUN
ajfa-918	117	92	type	type	NOUN
ajfa-918	117	93	islamic	islamic	ADJ
ajfa-918	117	94	38	38	NUM
ajfa-918	117	95	30.2	30.2	NUM
ajfa-918	117	96	conventional	conventional	ADJ
ajfa-918	117	97	88	88	NUM
ajfa-918	117	98	69.8	69.8	NUM
ajfa-918	117	99	years	year	NOUN
ajfa-918	117	100	of	of	ADP
ajfa-918	117	101	experience	experience	NOUN
ajfa-918	117	102	less	less	ADJ
ajfa-918	117	103	than	than	ADP
ajfa-918	117	104	3	3	NUM
ajfa-918	117	105	31	31	NUM
ajfa-918	117	106	24.6	24.6	NUM
ajfa-918	117	107	3	3	NUM
ajfa-918	117	108	-	-	SYM
ajfa-918	117	109	5	5	NUM
ajfa-918	117	110	24	24	NUM
ajfa-918	117	111	19.0	19.0	NUM
ajfa-918	117	112	5	5	NUM
ajfa-918	117	113	-	-	SYM
ajfa-918	117	114	10	10	NUM
ajfa-918	117	115	32	32	NUM
ajfa-918	117	116	25.4	25.4	NUM
ajfa-918	117	117	10	10	NUM
ajfa-918	117	118	-	-	SYM
ajfa-918	117	119	15	15	NUM
ajfa-918	117	120	16	16	NUM
ajfa-918	117	121	12.7	12.7	NUM
ajfa-918	117	122	above	above	ADP
ajfa-918	117	123	15	15	NUM
ajfa-918	117	124	23	23	NUM
ajfa-918	117	125	18.3	18.3	NUM
ajfa-918	117	126	4.1	4.1	NUM
ajfa-918	117	127	barriers	barrier	NOUN
ajfa-918	117	128	to	to	ADP
ajfa-918	117	129	overall	overall	ADJ
ajfa-918	117	130	sample	sample	NOUN
ajfa-918	117	131	table	table	NOUN
ajfa-918	117	132	ii	ii	PROPN
ajfa-918	117	133	shows	show	VERB
ajfa-918	117	134	the	the	DET
ajfa-918	117	135	opinion	opinion	NOUN
ajfa-918	117	136	of	of	ADP
ajfa-918	117	137	ibe	ibe	PROPN
ajfa-918	117	138	and	and	CCONJ
ajfa-918	117	139	cbe	cbe	PROPN
ajfa-918	117	140	as	as	ADP
ajfa-918	117	141	a	a	DET
ajfa-918	117	142	whole	whole	NOUN
ajfa-918	117	143	regarding	regard	VERB
ajfa-918	117	144	the	the	DET
ajfa-918	117	145	lack	lack	NOUN
ajfa-918	117	146	of	of	ADP
ajfa-918	117	147	the	the	DET
ajfa-918	117	148	growth	growth	NOUN
ajfa-918	117	149	of	of	ADP
ajfa-918	117	150	ib	ib	PROPN
ajfa-918	117	151	.	.	PUNCT
ajfa-918	118	1	in	in	ADP
ajfa-918	118	2	this	this	DET
ajfa-918	118	3	research	research	NOUN
ajfa-918	118	4	77	77	NUM
ajfa-918	118	5	out	out	ADP
ajfa-918	118	6	of	of	ADP
ajfa-918	118	7	126	126	NUM
ajfa-918	118	8	employees	employee	NOUN
ajfa-918	118	9	of	of	ADP
ajfa-918	118	10	banks	bank	NOUN
ajfa-918	118	11	(	(	PUNCT
ajfa-918	118	12	conventional	conventional	ADJ
ajfa-918	118	13	and	and	CCONJ
ajfa-918	118	14	islamic	islamic	ADJ
ajfa-918	118	15	both	both	PRON
ajfa-918	118	16	)	)	PUNCT
ajfa-918	118	17	are	be	AUX
ajfa-918	118	18	of	of	ADP
ajfa-918	118	19	the	the	DET
ajfa-918	118	20	view	view	NOUN
ajfa-918	118	21	that	that	SCONJ
ajfa-918	118	22	ignorance	ignorance	NOUN
ajfa-918	118	23	to	to	ADP
ajfa-918	118	24	teachings	teaching	NOUN
ajfa-918	118	25	of	of	ADP
ajfa-918	118	26	islam	islam	PROPN
ajfa-918	118	27	with	with	ADP
ajfa-918	118	28	respect	respect	NOUN
ajfa-918	118	29	to	to	ADP
ajfa-918	118	30	financial	financial	ADJ
ajfa-918	118	31	transactions	transaction	NOUN
ajfa-918	118	32	is	be	AUX
ajfa-918	118	33	a	a	DET
ajfa-918	118	34	major	major	ADJ
ajfa-918	118	35	factor	factor	NOUN
ajfa-918	118	36	for	for	ADP
ajfa-918	118	37	low	low	ADJ
ajfa-918	118	38	market	market	NOUN
ajfa-918	118	39	share	share	NOUN
ajfa-918	118	40	of	of	ADP
ajfa-918	118	41	ib	ib	PROPN
ajfa-918	118	42	.	.	PUNCT
ajfa-918	119	1	the	the	DET
ajfa-918	119	2	test	test	NOUN
ajfa-918	119	3	of	of	ADP
ajfa-918	119	4	homogeneity	homogeneity	NOUN
ajfa-918	119	5	of	of	ADP
ajfa-918	119	6	proportions	proportion	NOUN
ajfa-918	119	7	resulted	result	VERB
ajfa-918	119	8	that	that	SCONJ
ajfa-918	119	9	this	this	DET
ajfa-918	119	10	proportion	proportion	NOUN
ajfa-918	119	11	is	be	AUX
ajfa-918	119	12	significant	significant	ADJ
ajfa-918	119	13	at	at	ADP
ajfa-918	119	14	0.05	0.05	NUM
ajfa-918	119	15	level	level	NOUN
ajfa-918	119	16	of	of	ADP
ajfa-918	119	17	significance	significance	NOUN
ajfa-918	119	18	.	.	PUNCT
ajfa-918	120	1	so	so	ADV
ajfa-918	120	2	ignorance	ignorance	NOUN
ajfa-918	120	3	to	to	ADP
ajfa-918	120	4	teachings	teaching	NOUN
ajfa-918	120	5	of	of	ADP
ajfa-918	120	6	islam	islam	PROPN
ajfa-918	120	7	regarding	regard	VERB
ajfa-918	120	8	financial	financial	ADJ
ajfa-918	120	9	matters	matter	NOUN
ajfa-918	120	10	is	be	AUX
ajfa-918	120	11	an	an	DET
ajfa-918	120	12	important	important	ADJ
ajfa-918	120	13	factor	factor	NOUN
ajfa-918	120	14	for	for	ADP
ajfa-918	120	15	growth	growth	NOUN
ajfa-918	120	16	of	of	ADP
ajfa-918	120	17	ib	ib	NOUN
ajfa-918	120	18	system	system	NOUN
ajfa-918	120	19	.	.	PUNCT
ajfa-918	121	1	this	this	PRON
ajfa-918	121	2	shows	show	VERB
ajfa-918	121	3	that	that	SCONJ
ajfa-918	121	4	religion	religion	NOUN
ajfa-918	121	5	is	be	AUX
ajfa-918	121	6	an	an	DET
ajfa-918	121	7	important	important	ADJ
ajfa-918	121	8	consideration	consideration	NOUN
ajfa-918	121	9	for	for	ADP
ajfa-918	121	10	low	low	ADJ
ajfa-918	121	11	market	market	NOUN
ajfa-918	121	12	share	share	NOUN
ajfa-918	121	13	of	of	ADP
ajfa-918	121	14	ib	ib	NOUN
ajfa-918	121	15	for	for	ADP
ajfa-918	121	16	the	the	DET
ajfa-918	121	17	respondents	respondent	NOUN
ajfa-918	121	18	of	of	ADP
ajfa-918	121	19	this	this	DET
ajfa-918	121	20	asian	asian	ADJ
ajfa-918	121	21	journal	journal	NOUN
ajfa-918	121	22	of	of	ADP
ajfa-918	121	23	finance	finance	PROPN
ajfa-918	121	24	&	&	CCONJ
ajfa-918	121	25	accounting	accounting	PROPN
ajfa-918	121	26	issn	issn	PROPN
ajfa-918	121	27	1946	1946	NUM
ajfa-918	121	28	-	-	PUNCT
ajfa-918	121	29	052x	052x	NOUN
ajfa-918	121	30	2011	2011	NUM
ajfa-918	121	31	,	,	PUNCT
ajfa-918	121	32	vol	vol	NOUN
ajfa-918	121	33	.	.	PROPN
ajfa-918	122	1	3	3	NUM
ajfa-918	122	2	,	,	PUNCT
ajfa-918	122	3	no	no	INTJ
ajfa-918	122	4	.	.	NOUN
ajfa-918	122	5	1	1	NUM
ajfa-918	122	6	:	:	PUNCT
ajfa-918	122	7	e4	e4	PROPN
ajfa-918	122	8	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-918	122	9	63	63	NUM
ajfa-918	122	10	study	study	NOUN
ajfa-918	122	11	.	.	PUNCT
ajfa-918	123	1	this	this	PRON
ajfa-918	123	2	is	be	AUX
ajfa-918	123	3	in	in	ADP
ajfa-918	123	4	-	-	PUNCT
ajfa-918	123	5	align	align	NOUN
ajfa-918	123	6	with	with	ADP
ajfa-918	123	7	the	the	DET
ajfa-918	123	8	study	study	NOUN
ajfa-918	123	9	of	of	ADP
ajfa-918	123	10	haque	haque	PROPN
ajfa-918	123	11	et	et	PROPN
ajfa-918	123	12	.	.	PUNCT
ajfa-918	124	1	al	al	PROPN
ajfa-918	124	2	(	(	PUNCT
ajfa-918	124	3	2009	2009	NUM
ajfa-918	124	4	)	)	PUNCT
ajfa-918	124	5	and	and	CCONJ
ajfa-918	124	6	mansour	mansour	PROPN
ajfa-918	124	7	et	et	PROPN
ajfa-918	124	8	.	.	PUNCT
ajfa-918	125	1	al	al	PROPN
ajfa-918	125	2	(	(	PUNCT
ajfa-918	125	3	2010	2010	NUM
ajfa-918	125	4	)	)	PUNCT
ajfa-918	125	5	.	.	PUNCT
ajfa-918	126	1	these	these	DET
ajfa-918	126	2	studies	study	NOUN
ajfa-918	126	3	considered	consider	VERB
ajfa-918	126	4	religion	religion	NOUN
ajfa-918	126	5	as	as	ADP
ajfa-918	126	6	important	important	ADJ
ajfa-918	126	7	reason	reason	NOUN
ajfa-918	126	8	.	.	PUNCT
ajfa-918	127	1	when	when	SCONJ
ajfa-918	127	2	we	we	PRON
ajfa-918	127	3	turn	turn	VERB
ajfa-918	127	4	our	our	PRON
ajfa-918	127	5	attention	attention	NOUN
ajfa-918	127	6	to	to	ADP
ajfa-918	127	7	trust	trust	NOUN
ajfa-918	127	8	deficiency	deficiency	NOUN
ajfa-918	127	9	towards	towards	ADP
ajfa-918	127	10	interest	interest	NOUN
ajfa-918	127	11	free	free	ADJ
ajfa-918	127	12	banking	banking	NOUN
ajfa-918	127	13	,	,	PUNCT
ajfa-918	127	14	facts	fact	NOUN
ajfa-918	127	15	and	and	CCONJ
ajfa-918	127	16	figures	figure	NOUN
ajfa-918	127	17	show	show	VERB
ajfa-918	127	18	that	that	SCONJ
ajfa-918	127	19	most	most	ADJ
ajfa-918	127	20	of	of	ADP
ajfa-918	127	21	bank	bank	NOUN
ajfa-918	127	22	employees	employee	NOUN
ajfa-918	127	23	think	think	VERB
ajfa-918	127	24	that	that	SCONJ
ajfa-918	127	25	people	people	NOUN
ajfa-918	127	26	do	do	AUX
ajfa-918	127	27	not	not	PART
ajfa-918	127	28	trust	trust	VERB
ajfa-918	127	29	ib	ib	NOUN
ajfa-918	127	30	regarding	regard	VERB
ajfa-918	127	31	interest	interest	NOUN
ajfa-918	127	32	free	free	ADJ
ajfa-918	127	33	setup	setup	NOUN
ajfa-918	127	34	.	.	PUNCT
ajfa-918	128	1	the	the	DET
ajfa-918	128	2	present	present	ADJ
ajfa-918	128	3	factor	factor	NOUN
ajfa-918	128	4	is	be	AUX
ajfa-918	128	5	also	also	ADV
ajfa-918	128	6	confirmed	confirm	VERB
ajfa-918	128	7	through	through	ADP
ajfa-918	128	8	test	test	NOUN
ajfa-918	128	9	of	of	ADP
ajfa-918	128	10	homogeneity	homogeneity	NOUN
ajfa-918	128	11	at	at	ADP
ajfa-918	128	12	0.05	0.05	NUM
ajfa-918	128	13	level	level	NOUN
ajfa-918	128	14	of	of	ADP
ajfa-918	128	15	significance	significance	NOUN
ajfa-918	128	16	with	with	ADP
ajfa-918	128	17	p	p	NOUN
ajfa-918	128	18	-	-	PUNCT
ajfa-918	128	19	value	value	NOUN
ajfa-918	128	20	.of	.of	PUNCT
ajfa-918	128	21	000	000	X
ajfa-918	128	22	.	.	PUNCT
ajfa-918	129	1	this	this	PRON
ajfa-918	129	2	could	could	AUX
ajfa-918	129	3	be	be	AUX
ajfa-918	129	4	explained	explain	VERB
ajfa-918	129	5	by	by	ADP
ajfa-918	129	6	the	the	DET
ajfa-918	129	7	fact	fact	NOUN
ajfa-918	129	8	that	that	SCONJ
ajfa-918	129	9	pakistan	pakistan	PROPN
ajfa-918	129	10	is	be	AUX
ajfa-918	129	11	an	an	DET
ajfa-918	129	12	islamic	islamic	ADJ
ajfa-918	129	13	country	country	NOUN
ajfa-918	129	14	in	in	ADP
ajfa-918	129	15	which	which	PRON
ajfa-918	129	16	majority	majority	NOUN
ajfa-918	129	17	of	of	ADP
ajfa-918	129	18	people	people	NOUN
ajfa-918	129	19	has	have	VERB
ajfa-918	129	20	perception	perception	NOUN
ajfa-918	129	21	about	about	ADP
ajfa-918	129	22	banking	banking	NOUN
ajfa-918	129	23	system	system	NOUN
ajfa-918	129	24	as	as	SCONJ
ajfa-918	129	25	interest	interest	NOUN
ajfa-918	129	26	based	base	VERB
ajfa-918	129	27	set	set	VERB
ajfa-918	129	28	up	up	ADP
ajfa-918	129	29	,	,	PUNCT
ajfa-918	129	30	which	which	PRON
ajfa-918	129	31	is	be	AUX
ajfa-918	129	32	not	not	PART
ajfa-918	129	33	allowed	allow	VERB
ajfa-918	129	34	in	in	ADP
ajfa-918	129	35	islam	islam	PROPN
ajfa-918	129	36	.	.	PUNCT
ajfa-918	130	1	so	so	ADV
ajfa-918	130	2	people	people	NOUN
ajfa-918	130	3	think	think	VERB
ajfa-918	130	4	that	that	SCONJ
ajfa-918	130	5	any	any	DET
ajfa-918	130	6	type	type	NOUN
ajfa-918	130	7	of	of	ADP
ajfa-918	130	8	banking	banking	NOUN
ajfa-918	130	9	can	can	AUX
ajfa-918	130	10	not	not	PART
ajfa-918	130	11	be	be	AUX
ajfa-918	130	12	free	free	ADJ
ajfa-918	130	13	of	of	ADP
ajfa-918	130	14	interest	interest	NOUN
ajfa-918	130	15	.	.	PUNCT
ajfa-918	131	1	here	here	ADV
ajfa-918	131	2	findings	finding	NOUN
ajfa-918	131	3	of	of	ADP
ajfa-918	131	4	our	our	PRON
ajfa-918	131	5	research	research	NOUN
ajfa-918	131	6	are	be	AUX
ajfa-918	131	7	consistent	consistent	ADJ
ajfa-918	131	8	with	with	ADP
ajfa-918	131	9	that	that	PRON
ajfa-918	131	10	of	of	ADP
ajfa-918	131	11	abduh	abduh	ADJ
ajfa-918	131	12	and	and	CCONJ
ajfa-918	131	13	omar	omar	PROPN
ajfa-918	131	14	(	(	PUNCT
ajfa-918	131	15	2003	2003	NUM
ajfa-918	131	16	)	)	PUNCT
ajfa-918	131	17	.	.	PUNCT
ajfa-918	132	1	although	although	SCONJ
ajfa-918	132	2	ib	ib	PROPN
ajfa-918	132	3	is	be	AUX
ajfa-918	132	4	more	more	ADJ
ajfa-918	132	5	than	than	ADP
ajfa-918	132	6	30	30	NUM
ajfa-918	132	7	years	year	NOUN
ajfa-918	132	8	old	old	ADJ
ajfa-918	132	9	,	,	PUNCT
ajfa-918	132	10	however	however	ADV
ajfa-918	132	11	people	people	NOUN
ajfa-918	132	12	are	be	AUX
ajfa-918	132	13	not	not	PART
ajfa-918	132	14	aware	aware	ADJ
ajfa-918	132	15	of	of	ADP
ajfa-918	132	16	its	its	PRON
ajfa-918	132	17	products	product	NOUN
ajfa-918	132	18	and	and	CCONJ
ajfa-918	132	19	services	service	NOUN
ajfa-918	132	20	.	.	PUNCT
ajfa-918	133	1	according	accord	VERB
ajfa-918	133	2	to	to	ADP
ajfa-918	133	3	our	our	PRON
ajfa-918	133	4	study	study	NOUN
ajfa-918	133	5	inadequate	inadequate	ADJ
ajfa-918	133	6	information	information	NOUN
ajfa-918	133	7	about	about	ADP
ajfa-918	133	8	islamic	islamic	ADJ
ajfa-918	133	9	banking	banking	NOUN
ajfa-918	133	10	products	product	NOUN
ajfa-918	133	11	and	and	CCONJ
ajfa-918	133	12	services	service	NOUN
ajfa-918	133	13	is	be	AUX
ajfa-918	133	14	important	important	ADJ
ajfa-918	133	15	factor	factor	NOUN
ajfa-918	133	16	for	for	ADP
ajfa-918	133	17	lack	lack	NOUN
ajfa-918	133	18	of	of	ADP
ajfa-918	133	19	growth	growth	NOUN
ajfa-918	133	20	of	of	ADP
ajfa-918	133	21	ib	ib	PROPN
ajfa-918	133	22	.	.	PUNCT
ajfa-918	133	23	test	test	NOUN
ajfa-918	133	24	of	of	ADP
ajfa-918	133	25	homogeneity	homogeneity	NOUN
ajfa-918	133	26	at	at	ADP
ajfa-918	133	27	0.05	0.05	NUM
ajfa-918	133	28	level	level	NOUN
ajfa-918	133	29	of	of	ADP
ajfa-918	133	30	significance	significance	NOUN
ajfa-918	133	31	also	also	ADV
ajfa-918	133	32	verifies	verify	VERB
ajfa-918	133	33	this	this	PRON
ajfa-918	133	34	.	.	PUNCT
ajfa-918	134	1	in	in	ADP
ajfa-918	134	2	our	our	PRON
ajfa-918	134	3	study	study	NOUN
ajfa-918	134	4	84	84	NUM
ajfa-918	134	5	out	out	ADP
ajfa-918	134	6	of	of	ADP
ajfa-918	134	7	126	126	NUM
ajfa-918	134	8	respondents	respondent	NOUN
ajfa-918	134	9	said	say	VERB
ajfa-918	134	10	that	that	SCONJ
ajfa-918	134	11	it	it	PRON
ajfa-918	134	12	is	be	AUX
ajfa-918	134	13	a	a	DET
ajfa-918	134	14	significant	significant	ADJ
ajfa-918	134	15	factor	factor	NOUN
ajfa-918	134	16	for	for	ADP
ajfa-918	134	17	low	low	ADJ
ajfa-918	134	18	market	market	NOUN
ajfa-918	134	19	share	share	NOUN
ajfa-918	134	20	of	of	ADP
ajfa-918	134	21	ib	ib	PROPN
ajfa-918	134	22	.	.	PUNCT
ajfa-918	135	1	this	this	DET
ajfa-918	135	2	view	view	NOUN
ajfa-918	135	3	was	be	AUX
ajfa-918	135	4	shared	share	VERB
ajfa-918	135	5	by	by	ADP
ajfa-918	135	6	the	the	DET
ajfa-918	135	7	work	work	NOUN
ajfa-918	135	8	of	of	ADP
ajfa-918	135	9	gerrard	gerrard	PROPN
ajfa-918	135	10	and	and	CCONJ
ajfa-918	135	11	cunningham	cunningham	PROPN
ajfa-918	135	12	(	(	PUNCT
ajfa-918	135	13	1997	1997	NUM
ajfa-918	135	14	)	)	PUNCT
ajfa-918	135	15	and	and	CCONJ
ajfa-918	135	16	rammal	rammal	NOUN
ajfa-918	135	17	and	and	CCONJ
ajfa-918	135	18	zurbruegg	zurbruegg	PROPN
ajfa-918	135	19	(	(	PUNCT
ajfa-918	135	20	2006	2006	NUM
ajfa-918	135	21	)	)	PUNCT
ajfa-918	135	22	.	.	PUNCT
ajfa-918	136	1	experienced	experienced	ADJ
ajfa-918	136	2	and	and	CCONJ
ajfa-918	136	3	skilled	skilled	ADJ
ajfa-918	136	4	human	human	ADJ
ajfa-918	136	5	resource	resource	NOUN
ajfa-918	136	6	is	be	AUX
ajfa-918	136	7	required	require	VERB
ajfa-918	136	8	for	for	ADP
ajfa-918	136	9	effective	effective	ADJ
ajfa-918	136	10	and	and	CCONJ
ajfa-918	136	11	efficient	efficient	ADJ
ajfa-918	136	12	system	system	NOUN
ajfa-918	136	13	.	.	PUNCT
ajfa-918	137	1	shortage	shortage	NOUN
ajfa-918	137	2	of	of	ADP
ajfa-918	137	3	experienced	experienced	ADJ
ajfa-918	137	4	and	and	CCONJ
ajfa-918	137	5	qualified	qualified	ADJ
ajfa-918	137	6	staff	staff	NOUN
ajfa-918	137	7	is	be	AUX
ajfa-918	137	8	also	also	ADV
ajfa-918	137	9	significant	significant	ADJ
ajfa-918	137	10	hindrance	hindrance	NOUN
ajfa-918	137	11	for	for	ADP
ajfa-918	137	12	growth	growth	NOUN
ajfa-918	137	13	of	of	ADP
ajfa-918	137	14	ib	ib	NOUN
ajfa-918	137	15	according	accord	VERB
ajfa-918	137	16	to	to	ADP
ajfa-918	137	17	our	our	PRON
ajfa-918	137	18	sample	sample	NOUN
ajfa-918	137	19	.	.	PUNCT
ajfa-918	138	1	according	accord	VERB
ajfa-918	138	2	to	to	ADP
ajfa-918	138	3	this	this	DET
ajfa-918	138	4	study	study	NOUN
ajfa-918	138	5	67	67	NUM
ajfa-918	138	6	out	out	ADP
ajfa-918	138	7	of	of	ADP
ajfa-918	138	8	136	136	NUM
ajfa-918	138	9	agree	agree	VERB
ajfa-918	138	10	with	with	ADP
ajfa-918	138	11	this	this	PRON
ajfa-918	138	12	.	.	PUNCT
ajfa-918	139	1	pvalue	pvalue	NOUN
ajfa-918	139	2	of	of	ADP
ajfa-918	139	3	0.000	0.000	NUM
ajfa-918	139	4	is	be	AUX
ajfa-918	139	5	also	also	ADV
ajfa-918	139	6	significant	significant	ADJ
ajfa-918	139	7	at	at	ADP
ajfa-918	139	8	0.05	0.05	NUM
ajfa-918	139	9	level	level	NOUN
ajfa-918	139	10	of	of	ADP
ajfa-918	139	11	significance	significance	NOUN
ajfa-918	139	12	.	.	PUNCT
ajfa-918	140	1	here	here	ADV
ajfa-918	140	2	our	our	PRON
ajfa-918	140	3	findings	finding	NOUN
ajfa-918	140	4	were	be	AUX
ajfa-918	140	5	in	in	ADP
ajfa-918	140	6	line	line	NOUN
ajfa-918	140	7	with	with	ADP
ajfa-918	140	8	that	that	PRON
ajfa-918	140	9	of	of	ADP
ajfa-918	140	10	al	al	PROPN
ajfa-918	140	11	-	-	PUNCT
ajfa-918	140	12	ajmi	ajmi	PROPN
ajfa-918	140	13	et	et	PROPN
ajfa-918	140	14	.	.	PUNCT
ajfa-918	141	1	al	al	PROPN
ajfa-918	141	2	(	(	PUNCT
ajfa-918	141	3	2009	2009	NUM
ajfa-918	141	4	)	)	PUNCT
ajfa-918	141	5	.	.	PUNCT
ajfa-918	142	1	literature	literature	PROPN
ajfa-918	142	2	review	review	PROPN
ajfa-918	142	3	showed	show	VERB
ajfa-918	142	4	that	that	SCONJ
ajfa-918	142	5	non	non	ADJ
ajfa-918	142	6	availability	availability	NOUN
ajfa-918	142	7	of	of	ADP
ajfa-918	142	8	good	good	ADJ
ajfa-918	142	9	quality	quality	NOUN
ajfa-918	142	10	customer	customer	NOUN
ajfa-918	142	11	services	service	NOUN
ajfa-918	142	12	is	be	AUX
ajfa-918	142	13	also	also	ADV
ajfa-918	142	14	playing	play	VERB
ajfa-918	142	15	its	its	PRON
ajfa-918	142	16	part	part	NOUN
ajfa-918	142	17	in	in	ADP
ajfa-918	142	18	low	low	ADJ
ajfa-918	142	19	market	market	NOUN
ajfa-918	142	20	share	share	NOUN
ajfa-918	142	21	of	of	ADP
ajfa-918	142	22	ib	ib	PROPN
ajfa-918	142	23	.	.	PUNCT
ajfa-918	143	1	but	but	CCONJ
ajfa-918	143	2	according	accord	VERB
ajfa-918	143	3	to	to	ADP
ajfa-918	143	4	our	our	PRON
ajfa-918	143	5	findings	finding	NOUN
ajfa-918	143	6	it	it	PRON
ajfa-918	143	7	is	be	AUX
ajfa-918	143	8	not	not	PART
ajfa-918	143	9	significant	significant	ADJ
ajfa-918	143	10	factor	factor	NOUN
ajfa-918	143	11	,	,	PUNCT
ajfa-918	143	12	because	because	SCONJ
ajfa-918	143	13	majority	majority	NOUN
ajfa-918	143	14	of	of	ADP
ajfa-918	143	15	bank	bank	NOUN
ajfa-918	143	16	employees	employee	NOUN
ajfa-918	143	17	show	show	VERB
ajfa-918	143	18	their	their	PRON
ajfa-918	143	19	disagreement	disagreement	NOUN
ajfa-918	143	20	about	about	ADP
ajfa-918	143	21	it	it	PRON
ajfa-918	143	22	.	.	PUNCT
ajfa-918	144	1	it	it	PRON
ajfa-918	144	2	means	mean	VERB
ajfa-918	144	3	that	that	SCONJ
ajfa-918	144	4	in	in	ADP
ajfa-918	144	5	pakistan	pakistan	PROPN
ajfa-918	144	6	ib	ib	PROPN
ajfa-918	144	7	are	be	AUX
ajfa-918	144	8	providing	provide	VERB
ajfa-918	144	9	good	good	ADJ
ajfa-918	144	10	customer	customer	NOUN
ajfa-918	144	11	services	service	NOUN
ajfa-918	144	12	.	.	PUNCT
ajfa-918	145	1	results	result	NOUN
ajfa-918	145	2	disagreeing	disagree	VERB
ajfa-918	145	3	with	with	ADP
ajfa-918	145	4	inadequate	inadequate	ADJ
ajfa-918	145	5	information	information	NOUN
ajfa-918	145	6	about	about	ADP
ajfa-918	145	7	islamic	islamic	ADJ
ajfa-918	145	8	banking	banking	NOUN
ajfa-918	145	9	service	service	NOUN
ajfa-918	145	10	are	be	AUX
ajfa-918	145	11	significant	significant	ADJ
ajfa-918	145	12	.	.	PUNCT
ajfa-918	146	1	low	low	ADJ
ajfa-918	146	2	effectiveness	effectiveness	NOUN
ajfa-918	146	3	of	of	ADP
ajfa-918	146	4	services	service	NOUN
ajfa-918	146	5	is	be	AUX
ajfa-918	146	6	not	not	PART
ajfa-918	146	7	a	a	DET
ajfa-918	146	8	hurdle	hurdle	NOUN
ajfa-918	146	9	for	for	ADP
ajfa-918	146	10	ib	ib	NOUN
ajfa-918	146	11	progress	progress	NOUN
ajfa-918	146	12	.	.	PUNCT
ajfa-918	147	1	according	accord	VERB
ajfa-918	147	2	to	to	ADP
ajfa-918	147	3	results	result	NOUN
ajfa-918	147	4	of	of	ADP
ajfa-918	147	5	our	our	PRON
ajfa-918	147	6	research	research	NOUN
ajfa-918	147	7	,	,	PUNCT
ajfa-918	147	8	number	number	NOUN
ajfa-918	147	9	of	of	ADP
ajfa-918	147	10	respondents	respondent	NOUN
ajfa-918	147	11	agreeing	agree	VERB
ajfa-918	147	12	and	and	CCONJ
ajfa-918	147	13	disagreeing	disagree	VERB
ajfa-918	147	14	to	to	ADP
ajfa-918	147	15	this	this	PRON
ajfa-918	147	16	is	be	AUX
ajfa-918	147	17	almost	almost	ADV
ajfa-918	147	18	equal	equal	ADJ
ajfa-918	147	19	.	.	PUNCT
ajfa-918	148	1	the	the	DET
ajfa-918	148	2	results	result	NOUN
ajfa-918	148	3	is	be	AUX
ajfa-918	148	4	not	not	PART
ajfa-918	148	5	significant	significant	ADJ
ajfa-918	148	6	due	due	ADJ
ajfa-918	148	7	to	to	ADP
ajfa-918	148	8	proportional	proportional	ADJ
ajfa-918	148	9	difference	difference	NOUN
ajfa-918	148	10	between	between	ADP
ajfa-918	148	11	agree	agree	VERB
ajfa-918	148	12	and	and	CCONJ
ajfa-918	148	13	disagree	disagree	VERB
ajfa-918	148	14	but	but	CCONJ
ajfa-918	148	15	due	due	ADP
ajfa-918	148	16	to	to	ADP
ajfa-918	148	17	huge	huge	ADJ
ajfa-918	148	18	difference	difference	NOUN
ajfa-918	148	19	from	from	ADP
ajfa-918	148	20	neutral	neutral	ADJ
ajfa-918	148	21	group	group	NOUN
ajfa-918	148	22	.	.	PUNCT
ajfa-918	149	1	previous	previous	ADJ
ajfa-918	149	2	researches	research	NOUN
ajfa-918	149	3	also	also	ADV
ajfa-918	149	4	identified	identify	VERB
ajfa-918	149	5	high	high	ADJ
ajfa-918	149	6	cost	cost	NOUN
ajfa-918	149	7	of	of	ADP
ajfa-918	149	8	ib	ib	NOUN
ajfa-918	149	9	products	product	NOUN
ajfa-918	149	10	as	as	ADP
ajfa-918	149	11	main	main	ADJ
ajfa-918	149	12	reason	reason	NOUN
ajfa-918	149	13	for	for	ADP
ajfa-918	149	14	its	its	PRON
ajfa-918	149	15	low	low	ADJ
ajfa-918	149	16	market	market	NOUN
ajfa-918	149	17	share	share	NOUN
ajfa-918	149	18	.	.	PUNCT
ajfa-918	150	1	but	but	CCONJ
ajfa-918	150	2	this	this	DET
ajfa-918	150	3	research	research	NOUN
ajfa-918	150	4	also	also	ADV
ajfa-918	150	5	rejects	reject	VERB
ajfa-918	150	6	this	this	DET
ajfa-918	150	7	notion	notion	NOUN
ajfa-918	150	8	.	.	PUNCT
ajfa-918	151	1	the	the	DET
ajfa-918	151	2	reason	reason	NOUN
ajfa-918	151	3	for	for	ADP
ajfa-918	151	4	this	this	PRON
ajfa-918	151	5	is	be	AUX
ajfa-918	151	6	the	the	DET
ajfa-918	151	7	frequency	frequency	NOUN
ajfa-918	151	8	of	of	ADP
ajfa-918	151	9	people	people	NOUN
ajfa-918	151	10	for	for	ADP
ajfa-918	151	11	and	and	CCONJ
ajfa-918	151	12	against	against	ADP
ajfa-918	151	13	this	this	PRON
ajfa-918	151	14	is	be	AUX
ajfa-918	151	15	almost	almost	ADV
ajfa-918	151	16	equal	equal	ADJ
ajfa-918	151	17	.	.	PUNCT
ajfa-918	152	1	moreover	moreover	ADV
ajfa-918	152	2	p	p	NOUN
ajfa-918	152	3	-	-	PUNCT
ajfa-918	152	4	value	value	NOUN
ajfa-918	152	5	is	be	AUX
ajfa-918	152	6	also	also	ADV
ajfa-918	152	7	insignificant	insignificant	ADJ
ajfa-918	152	8	at	at	ADP
ajfa-918	152	9	0.05	0.05	NUM
ajfa-918	152	10	level	level	NOUN
ajfa-918	152	11	of	of	ADP
ajfa-918	152	12	significance	significance	NOUN
ajfa-918	152	13	.	.	PUNCT
ajfa-918	153	1	employees	employee	NOUN
ajfa-918	153	2	of	of	ADP
ajfa-918	153	3	banking	banking	NOUN
ajfa-918	153	4	system	system	NOUN
ajfa-918	153	5	were	be	AUX
ajfa-918	153	6	of	of	ADP
ajfa-918	153	7	the	the	DET
ajfa-918	153	8	view	view	NOUN
ajfa-918	153	9	that	that	SCONJ
ajfa-918	153	10	small	small	ADJ
ajfa-918	153	11	network	network	NOUN
ajfa-918	153	12	of	of	ADP
ajfa-918	153	13	branches	branch	NOUN
ajfa-918	153	14	and	and	CCONJ
ajfa-918	153	15	their	their	PRON
ajfa-918	153	16	locations	location	NOUN
ajfa-918	153	17	are	be	AUX
ajfa-918	153	18	very	very	ADV
ajfa-918	153	19	important	important	ADJ
ajfa-918	153	20	hurdle	hurdle	NOUN
ajfa-918	153	21	in	in	ADP
ajfa-918	153	22	the	the	DET
ajfa-918	153	23	progress	progress	NOUN
ajfa-918	153	24	of	of	ADP
ajfa-918	153	25	ib	ib	PROPN
ajfa-918	153	26	system	system	NOUN
ajfa-918	153	27	.	.	PUNCT
ajfa-918	154	1	both	both	DET
ajfa-918	154	2	these	these	DET
ajfa-918	154	3	factors	factor	NOUN
ajfa-918	154	4	are	be	AUX
ajfa-918	154	5	significant	significant	ADJ
ajfa-918	154	6	at.05	at.05	ADJ
ajfa-918	154	7	level	level	NOUN
ajfa-918	154	8	of	of	ADP
ajfa-918	154	9	significance	significance	NOUN
ajfa-918	154	10	.	.	PUNCT
ajfa-918	155	1	here	here	ADV
ajfa-918	155	2	our	our	PRON
ajfa-918	155	3	results	result	NOUN
ajfa-918	155	4	also	also	ADV
ajfa-918	155	5	support	support	VERB
ajfa-918	155	6	the	the	DET
ajfa-918	155	7	view	view	NOUN
ajfa-918	155	8	point	point	NOUN
ajfa-918	155	9	of	of	ADP
ajfa-918	155	10	khattak	khattak	PROPN
ajfa-918	155	11	&	&	CCONJ
ajfa-918	155	12	rehman	rehman	PROPN
ajfa-918	155	13	(	(	PUNCT
ajfa-918	155	14	2010	2010	NUM
ajfa-918	155	15	)	)	PUNCT
ajfa-918	155	16	.	.	PUNCT
ajfa-918	156	1	thus	thus	ADV
ajfa-918	156	2	according	accord	VERB
ajfa-918	156	3	to	to	ADP
ajfa-918	156	4	the	the	DET
ajfa-918	156	5	whole	whole	ADJ
ajfa-918	156	6	group	group	NOUN
ajfa-918	156	7	significant	significant	ADJ
ajfa-918	156	8	factors	factor	NOUN
ajfa-918	156	9	for	for	ADP
ajfa-918	156	10	low	low	ADJ
ajfa-918	156	11	share	share	NOUN
ajfa-918	156	12	of	of	ADP
ajfa-918	156	13	ib	ib	PROPN
ajfa-918	156	14	are	be	AUX
ajfa-918	156	15	asian	asian	ADJ
ajfa-918	156	16	journal	journal	NOUN
ajfa-918	156	17	of	of	ADP
ajfa-918	156	18	finance	finance	PROPN
ajfa-918	156	19	&	&	CCONJ
ajfa-918	156	20	accounting	accounting	PROPN
ajfa-918	156	21	issn	issn	PROPN
ajfa-918	156	22	1946	1946	NUM
ajfa-918	156	23	-	-	PUNCT
ajfa-918	156	24	052x	052x	NOUN
ajfa-918	156	25	2011	2011	NUM
ajfa-918	156	26	,	,	PUNCT
ajfa-918	156	27	vol	vol	NOUN
ajfa-918	156	28	.	.	PROPN
ajfa-918	157	1	3	3	NUM
ajfa-918	157	2	,	,	PUNCT
ajfa-918	157	3	no	no	INTJ
ajfa-918	157	4	.	.	NOUN
ajfa-918	157	5	1	1	NUM
ajfa-918	157	6	:	:	PUNCT
ajfa-918	157	7	e4	e4	PROPN
ajfa-918	157	8	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-918	157	9	64	64	NUM
ajfa-918	157	10	1	1	NUM
ajfa-918	157	11	)	)	PUNCT
ajfa-918	157	12	small	small	ADJ
ajfa-918	157	13	network	network	NOUN
ajfa-918	157	14	of	of	ADP
ajfa-918	157	15	branches	branch	NOUN
ajfa-918	157	16	2	2	NUM
ajfa-918	157	17	)	)	PUNCT
ajfa-918	157	18	inadequate	inadequate	ADJ
ajfa-918	157	19	info	info	NOUN
ajfa-918	157	20	about	about	ADP
ajfa-918	157	21	islamic	islamic	ADJ
ajfa-918	157	22	banking	banking	NOUN
ajfa-918	157	23	services	service	NOUN
ajfa-918	157	24	3	3	NUM
ajfa-918	157	25	)	)	PUNCT
ajfa-918	157	26	ignorance	ignorance	NOUN
ajfa-918	157	27	to	to	ADP
ajfa-918	157	28	financial	financial	ADJ
ajfa-918	157	29	teachings	teaching	NOUN
ajfa-918	157	30	of	of	ADP
ajfa-918	157	31	islam	islam	PROPN
ajfa-918	157	32	4	4	NUM
ajfa-918	157	33	)	)	PUNCT
ajfa-918	157	34	trust	trust	NOUN
ajfa-918	157	35	deficiency	deficiency	NOUN
ajfa-918	157	36	towards	towards	ADP
ajfa-918	157	37	interest	interest	NOUN
ajfa-918	157	38	free	free	ADJ
ajfa-918	157	39	banking	bank	VERB
ajfa-918	157	40	5	5	NUM
ajfa-918	157	41	)	)	PUNCT
ajfa-918	157	42	location	location	NOUN
ajfa-918	157	43	of	of	ADP
ajfa-918	157	44	banks	bank	NOUN
ajfa-918	157	45	6	6	NUM
ajfa-918	157	46	)	)	PUNCT
ajfa-918	157	47	shortage	shortage	NOUN
ajfa-918	157	48	of	of	ADP
ajfa-918	157	49	experienced	experienced	ADJ
ajfa-918	157	50	and	and	CCONJ
ajfa-918	157	51	qualified	qualified	ADJ
ajfa-918	157	52	staff	staff	NOUN
ajfa-918	157	53	table	table	NOUN
ajfa-918	157	54	2	2	NUM
ajfa-918	157	55	.	.	PUNCT
ajfa-918	157	56	test	test	NOUN
ajfa-918	157	57	result	result	NOUN
ajfa-918	157	58	of	of	ADP
ajfa-918	157	59	overall	overall	ADJ
ajfa-918	157	60	sample	sample	NOUN
ajfa-918	157	61	factors	factor	NOUN
ajfa-918	157	62	observed	observe	VERB
ajfa-918	157	63	n	n	AUX
ajfa-918	157	64	expected	expect	VERB
ajfa-918	157	65	n	n	CCONJ
ajfa-918	157	66	residual	residual	ADJ
ajfa-918	157	67	chi	chi	PROPN
ajfa-918	157	68	square	square	ADJ
ajfa-918	157	69	test	test	NOUN
ajfa-918	157	70	value	value	NOUN
ajfa-918	157	71	with	with	ADP
ajfa-918	157	72	significance	significance	NOUN
ajfa-918	157	73	ignorance	ignorance	NOUN
ajfa-918	157	74	to	to	ADP
ajfa-918	157	75	financial	financial	ADJ
ajfa-918	157	76	teachings	teaching	NOUN
ajfa-918	157	77	of	of	ADP
ajfa-918	157	78	islam	islam	PROPN
ajfa-918	157	79	disagree	disagree	VERB
ajfa-918	157	80	32	32	NUM
ajfa-918	157	81	42.0	42.0	NUM
ajfa-918	157	82	-10.0	-10.0	NUM
ajfa-918	157	83	46.429	46.429	NUM
ajfa-918	157	84	.000	.000	NUM
ajfa-918	157	85	*	*	PUNCT
ajfa-918	157	86	not	not	PART
ajfa-918	157	87	sure	sure	ADJ
ajfa-918	157	88	17	17	NUM
ajfa-918	157	89	42.0	42.0	NUM
ajfa-918	157	90	-25.0	-25.0	PUNCT
ajfa-918	157	91	agree	agree	VERB
ajfa-918	157	92	77	77	NUM
ajfa-918	157	93	42.0	42.0	NUM
ajfa-918	157	94	35.0	35.0	NUM
ajfa-918	157	95	trust	trust	NOUN
ajfa-918	157	96	deficiency	deficiency	NOUN
ajfa-918	157	97	towards	towards	ADP
ajfa-918	157	98	interest	interest	NOUN
ajfa-918	157	99	free	free	ADJ
ajfa-918	157	100	banking	banking	NOUN
ajfa-918	157	101	disagree	disagree	VERB
ajfa-918	157	102	32	32	NUM
ajfa-918	157	103	42.0	42.0	NUM
ajfa-918	157	104	-10.0	-10.0	NUM
ajfa-918	157	105	46.429	46.429	NUM
ajfa-918	157	106	.000	.000	NUM
ajfa-918	157	107	*	*	PUNCT
ajfa-918	157	108	not	not	PART
ajfa-918	157	109	sure	sure	ADJ
ajfa-918	157	110	17	17	NUM
ajfa-918	157	111	42.0	42.0	NUM
ajfa-918	157	112	-25.0	-25.0	PUNCT
ajfa-918	157	113	agree	agree	VERB
ajfa-918	157	114	77	77	NUM
ajfa-918	157	115	42.0	42.0	NUM
ajfa-918	157	116	35.0	35.0	NUM
ajfa-918	157	117	inadequate	inadequate	ADJ
ajfa-918	157	118	info	info	NOUN
ajfa-918	157	119	about	about	ADP
ajfa-918	157	120	islamic	islamic	ADJ
ajfa-918	157	121	banking	banking	NOUN
ajfa-918	157	122	services	service	NOUN
ajfa-918	157	123	disagree	disagree	VERB
ajfa-918	157	124	27	27	NUM
ajfa-918	157	125	42.0	42.0	NUM
ajfa-918	157	126	-15.0	-15.0	ADP
ajfa-918	157	127	64.714	64.714	NUM
ajfa-918	157	128	.000	.000	NUM
ajfa-918	157	129	*	*	PUNCT
ajfa-918	157	130	not	not	PART
ajfa-918	157	131	sure	sure	ADJ
ajfa-918	157	132	15	15	NUM
ajfa-918	157	133	42.0	42.0	NUM
ajfa-918	157	134	-27.0	-27.0	NUM
ajfa-918	157	135	agree	agree	VERB
ajfa-918	157	136	84	84	NUM
ajfa-918	157	137	42.0	42.0	NUM
ajfa-918	157	138	42.0	42.0	NUM
ajfa-918	157	139	shortage	shortage	NOUN
ajfa-918	157	140	of	of	ADP
ajfa-918	157	141	experienced	experienced	ADJ
ajfa-918	157	142	and	and	CCONJ
ajfa-918	157	143	qualified	qualified	ADJ
ajfa-918	157	144	staff	staff	NOUN
ajfa-918	157	145	disagree	disagree	VERB
ajfa-918	157	146	44	44	NUM
ajfa-918	157	147	42.0	42.0	NUM
ajfa-918	157	148	2.0	2.0	NUM
ajfa-918	157	149	32.333	32.333	NUM
ajfa-918	157	150	.000	.000	NUM
ajfa-918	157	151	*	*	PUNCT
ajfa-918	157	152	not	not	PART
ajfa-918	157	153	sure	sure	ADJ
ajfa-918	157	154	15	15	NUM
ajfa-918	157	155	42.0	42.0	NUM
ajfa-918	157	156	-27.0	-27.0	NUM
ajfa-918	157	157	agree	agree	VERB
ajfa-918	157	158	67	67	NUM
ajfa-918	157	159	42.0	42.0	NUM
ajfa-918	157	160	25.0	25.0	NUM
ajfa-918	157	161	non	non	NOUN
ajfa-918	157	162	availability	availability	NOUN
ajfa-918	157	163	of	of	ADP
ajfa-918	157	164	good	good	ADJ
ajfa-918	157	165	quality	quality	NOUN
ajfa-918	157	166	customer	customer	NOUN
ajfa-918	157	167	services	service	NOUN
ajfa-918	157	168	disagree	disagree	VERB
ajfa-918	157	169	61	61	NUM
ajfa-918	157	170	42.0	42.0	NUM
ajfa-918	157	171	19.0	19.0	NUM
ajfa-918	157	172	25.857	25.857	NUM
ajfa-918	157	173	.000	.000	NUM
ajfa-918	157	174	*	*	PUNCT
ajfa-918	157	175	not	not	PART
ajfa-918	157	176	sure	sure	ADJ
ajfa-918	157	177	16	16	NUM
ajfa-918	157	178	42.0	42.0	NUM
ajfa-918	157	179	-26.0	-26.0	NOUN
ajfa-918	157	180	agree	agree	VERB
ajfa-918	157	181	49	49	NUM
ajfa-918	157	182	42.0	42.0	NUM
ajfa-918	157	183	7.0	7.0	NUM
ajfa-918	157	184	low	low	ADJ
ajfa-918	157	185	effectiveness	effectiveness	NOUN
ajfa-918	157	186	of	of	ADP
ajfa-918	157	187	services	service	NOUN
ajfa-918	157	188	disagree	disagree	VERB
ajfa-918	157	189	54	54	NUM
ajfa-918	157	190	42.0	42.0	NUM
ajfa-918	157	191	12.0	12.0	NUM
ajfa-918	157	192	10.905	10.905	NUM
ajfa-918	157	193	.004	.004	NUM
ajfa-918	157	194	*	*	PUNCT
ajfa-918	157	195	not	not	PART
ajfa-918	157	196	sure	sure	ADJ
ajfa-918	157	197	25	25	NUM
ajfa-918	157	198	42.0	42.0	NUM
ajfa-918	157	199	-17.0	-17.0	PUNCT
ajfa-918	157	200	agree	agree	VERB
ajfa-918	157	201	47	47	NUM
ajfa-918	157	202	42.0	42.0	NUM
ajfa-918	157	203	5.0	5.0	NUM
ajfa-918	157	204	high	high	ADJ
ajfa-918	157	205	cost	cost	NOUN
ajfa-918	157	206	of	of	ADP
ajfa-918	157	207	banking	banking	NOUN
ajfa-918	157	208	products	product	NOUN
ajfa-918	157	209	and	and	CCONJ
ajfa-918	157	210	services	service	NOUN
ajfa-918	157	211	disagree	disagree	VERB
ajfa-918	157	212	47	47	NUM
ajfa-918	157	213	42.0	42.0	NUM
ajfa-918	157	214	5.0	5.0	NUM
ajfa-918	157	215	2.905	2.905	NUM
ajfa-918	157	216	.234	.234	NUM
ajfa-918	157	217	not	not	PART
ajfa-918	157	218	sure	sure	ADJ
ajfa-918	157	219	33	33	NUM
ajfa-918	157	220	42.0	42.0	NUM
ajfa-918	157	221	-9.0	-9.0	NOUN
ajfa-918	157	222	agree	agree	VERB
ajfa-918	157	223	46	46	NUM
ajfa-918	157	224	42.0	42.0	NUM
ajfa-918	157	225	4.0	4.0	NUM
ajfa-918	157	226	small	small	ADJ
ajfa-918	157	227	network	network	NOUN
ajfa-918	157	228	of	of	ADP
ajfa-918	157	229	branches	branch	NOUN
ajfa-918	157	230	disagree	disagree	VERB
ajfa-918	157	231	21	21	NUM
ajfa-918	157	232	42.0	42.0	NUM
ajfa-918	157	233	-21.0	-21.0	PROPN
ajfa-918	157	234	86.333	86.333	NUM
ajfa-918	157	235	.000	.000	NUM
ajfa-918	157	236	*	*	PUNCT
ajfa-918	157	237	not	not	PART
ajfa-918	157	238	sure	sure	ADJ
ajfa-918	157	239	14	14	NUM
ajfa-918	157	240	42.0	42.0	NUM
ajfa-918	157	241	-28.0	-28.0	NOUN
ajfa-918	157	242	agree	agree	VERB
ajfa-918	157	243	91	91	NUM
ajfa-918	157	244	42.0	42.0	NUM
ajfa-918	157	245	49.0	49.0	NUM
ajfa-918	157	246	location	location	NOUN
ajfa-918	157	247	of	of	ADP
ajfa-918	157	248	banks	bank	NOUN
ajfa-918	157	249	disagree	disagree	VERB
ajfa-918	157	250	38	38	NUM
ajfa-918	157	251	42.0	42.0	NUM
ajfa-918	157	252	-4.0	-4.0	PROPN
ajfa-918	157	253	19.619	19.619	NUM
ajfa-918	157	254	.000	.000	NUM
ajfa-918	157	255	*	*	PUNCT
ajfa-918	157	256	not	not	PART
ajfa-918	157	257	sure	sure	ADJ
ajfa-918	157	258	24	24	NUM
ajfa-918	157	259	42.0	42.0	NUM
ajfa-918	158	1	-18.0	-18.0	VERB
ajfa-918	158	2	agree	agree	VERB
ajfa-918	158	3	64	64	NUM
ajfa-918	158	4	42.0	42.0	NUM
ajfa-918	158	5	22.0	22.0	NUM
ajfa-918	158	6	*	*	PUNCT
ajfa-918	158	7	significant	significant	ADJ
ajfa-918	158	8	at	at	ADP
ajfa-918	158	9	.05	.05	NUM
ajfa-918	158	10	level	level	NOUN
ajfa-918	158	11	of	of	ADP
ajfa-918	158	12	significance	significance	NOUN
ajfa-918	158	13	asian	asian	ADJ
ajfa-918	158	14	journal	journal	NOUN
ajfa-918	158	15	of	of	ADP
ajfa-918	158	16	finance	finance	PROPN
ajfa-918	158	17	&	&	CCONJ
ajfa-918	158	18	accounting	accounting	PROPN
ajfa-918	158	19	issn	issn	PROPN
ajfa-918	158	20	1946	1946	NUM
ajfa-918	158	21	-	-	PUNCT
ajfa-918	158	22	052x	052x	NOUN
ajfa-918	158	23	2011	2011	NUM
ajfa-918	158	24	,	,	PUNCT
ajfa-918	158	25	vol	vol	NOUN
ajfa-918	158	26	.	.	PROPN
ajfa-918	158	27	3	3	NUM
ajfa-918	158	28	,	,	PUNCT
ajfa-918	158	29	no	no	INTJ
ajfa-918	158	30	.	.	NOUN
ajfa-918	158	31	1	1	NUM
ajfa-918	158	32	:	:	PUNCT
ajfa-918	158	33	e4	e4	PROPN
ajfa-918	158	34	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-918	158	35	65	65	NUM
ajfa-918	158	36	4.2	4.2	NUM
ajfa-918	158	37	factors	factor	NOUN
ajfa-918	158	38	for	for	ADP
ajfa-918	158	39	subsample	subsample	NOUN
ajfa-918	158	40	:	:	PUNCT
ajfa-918	158	41	it	it	PRON
ajfa-918	158	42	was	be	AUX
ajfa-918	158	43	decided	decide	VERB
ajfa-918	158	44	to	to	PART
ajfa-918	158	45	divide	divide	VERB
ajfa-918	158	46	the	the	DET
ajfa-918	158	47	sample	sample	NOUN
ajfa-918	158	48	into	into	ADP
ajfa-918	158	49	two	two	NUM
ajfa-918	158	50	subsamples	subsample	NOUN
ajfa-918	158	51	i.e.	i.e.	X
ajfa-918	158	52	conventional	conventional	ADJ
ajfa-918	158	53	and	and	CCONJ
ajfa-918	158	54	islamic	islamic	ADJ
ajfa-918	158	55	and	and	CCONJ
ajfa-918	158	56	compare	compare	VERB
ajfa-918	158	57	the	the	DET
ajfa-918	158	58	factors	factor	NOUN
ajfa-918	158	59	responsible	responsible	ADJ
ajfa-918	158	60	for	for	ADP
ajfa-918	158	61	growth	growth	NOUN
ajfa-918	158	62	of	of	ADP
ajfa-918	158	63	ib	ib	NOUN
ajfa-918	158	64	system	system	NOUN
ajfa-918	158	65	.	.	PUNCT
ajfa-918	159	1	our	our	PRON
ajfa-918	159	2	sample	sample	NOUN
ajfa-918	159	3	consisted	consist	VERB
ajfa-918	159	4	of	of	ADP
ajfa-918	159	5	38	38	NUM
ajfa-918	159	6	&	&	CCONJ
ajfa-918	159	7	88	88	NUM
ajfa-918	159	8	respondents	respondent	NOUN
ajfa-918	159	9	respectively	respectively	ADV
ajfa-918	159	10	.	.	PUNCT
ajfa-918	160	1	table	table	NOUN
ajfa-918	160	2	iii	iii	NOUN
ajfa-918	160	3	and	and	CCONJ
ajfa-918	160	4	table	table	NOUN
ajfa-918	160	5	iv	iv	NUM
ajfa-918	160	6	highlight	highlight	VERB
ajfa-918	160	7	these	these	DET
ajfa-918	160	8	factors	factor	NOUN
ajfa-918	160	9	.	.	PUNCT
ajfa-918	161	1	with	with	ADP
ajfa-918	161	2	respect	respect	NOUN
ajfa-918	161	3	to	to	ADP
ajfa-918	161	4	1st	1st	ADJ
ajfa-918	161	5	factor	factor	NOUN
ajfa-918	161	6	of	of	ADP
ajfa-918	161	7	ignorance	ignorance	NOUN
ajfa-918	161	8	to	to	ADP
ajfa-918	161	9	teachings	teaching	NOUN
ajfa-918	161	10	of	of	ADP
ajfa-918	161	11	islam	islam	PROPN
ajfa-918	161	12	,	,	PUNCT
ajfa-918	161	13	total	total	ADJ
ajfa-918	161	14	sample	sample	NOUN
ajfa-918	161	15	agreed	agree	VERB
ajfa-918	161	16	that	that	SCONJ
ajfa-918	161	17	ignorance	ignorance	NOUN
ajfa-918	161	18	to	to	ADP
ajfa-918	161	19	teachings	teaching	NOUN
ajfa-918	161	20	of	of	ADP
ajfa-918	161	21	islam	islam	PROPN
ajfa-918	161	22	is	be	AUX
ajfa-918	161	23	a	a	DET
ajfa-918	161	24	big	big	ADJ
ajfa-918	161	25	barrier	barrier	NOUN
ajfa-918	161	26	for	for	ADP
ajfa-918	161	27	ib	ib	NOUN
ajfa-918	161	28	growth	growth	NOUN
ajfa-918	161	29	.	.	PUNCT
ajfa-918	162	1	both	both	PRON
ajfa-918	162	2	of	of	ADP
ajfa-918	162	3	our	our	PRON
ajfa-918	162	4	subsamples	subsample	NOUN
ajfa-918	162	5	i.e.	i.e.	X
ajfa-918	162	6	islamic	islamic	ADJ
ajfa-918	162	7	and	and	CCONJ
ajfa-918	162	8	conventional	conventional	ADJ
ajfa-918	162	9	bank	bank	NOUN
ajfa-918	162	10	employees	employee	NOUN
ajfa-918	162	11	in	in	ADP
ajfa-918	162	12	table	table	NOUN
ajfa-918	162	13	iii	iii	NOUN
ajfa-918	162	14	and	and	CCONJ
ajfa-918	162	15	iv	iv	PRON
ajfa-918	162	16	also	also	ADV
ajfa-918	162	17	come	come	VERB
ajfa-918	162	18	to	to	ADP
ajfa-918	162	19	same	same	ADJ
ajfa-918	162	20	conclusion	conclusion	NOUN
ajfa-918	162	21	.	.	PUNCT
ajfa-918	163	1	however	however	ADV
ajfa-918	163	2	according	accord	VERB
ajfa-918	163	3	to	to	PART
ajfa-918	163	4	ibe	ibe	VERB
ajfa-918	163	5	this	this	PRON
ajfa-918	163	6	is	be	AUX
ajfa-918	163	7	more	more	ADJ
ajfa-918	163	8	of	of	ADP
ajfa-918	163	9	concern	concern	NOUN
ajfa-918	163	10	as	as	SCONJ
ajfa-918	163	11	compared	compare	VERB
ajfa-918	163	12	to	to	ADP
ajfa-918	163	13	cbe	cbe	PROPN
ajfa-918	163	14	due	due	ADP
ajfa-918	163	15	to	to	ADP
ajfa-918	163	16	no	no	NOUN
ajfa-918	163	17	.	.	PUNCT
ajfa-918	163	18	of	of	ADP
ajfa-918	163	19	respondents	respondent	NOUN
ajfa-918	163	20	in	in	ADP
ajfa-918	163	21	favor	favor	NOUN
ajfa-918	163	22	of	of	ADP
ajfa-918	163	23	this	this	PRON
ajfa-918	163	24	are	be	AUX
ajfa-918	163	25	in	in	ADP
ajfa-918	163	26	much	much	ADV
ajfa-918	163	27	higher	high	ADJ
ajfa-918	163	28	proportion	proportion	NOUN
ajfa-918	163	29	in	in	ADP
ajfa-918	163	30	islamic	islamic	ADJ
ajfa-918	163	31	than	than	ADP
ajfa-918	163	32	conventional	conventional	ADJ
ajfa-918	163	33	.	.	PUNCT
ajfa-918	164	1	next	next	ADJ
ajfa-918	164	2	comes	come	VERB
ajfa-918	164	3	the	the	DET
ajfa-918	164	4	factor	factor	NOUN
ajfa-918	164	5	of	of	ADP
ajfa-918	164	6	trust	trust	NOUN
ajfa-918	164	7	deficiency	deficiency	NOUN
ajfa-918	164	8	towards	towards	ADP
ajfa-918	164	9	interest	interest	NOUN
ajfa-918	164	10	free	free	ADJ
ajfa-918	164	11	banking	banking	NOUN
ajfa-918	164	12	system	system	NOUN
ajfa-918	164	13	.	.	PUNCT
ajfa-918	165	1	the	the	DET
ajfa-918	165	2	overall	overall	ADJ
ajfa-918	165	3	sample	sample	NOUN
ajfa-918	165	4	confirms	confirm	VERB
ajfa-918	165	5	this	this	PRON
ajfa-918	165	6	as	as	ADP
ajfa-918	165	7	significant	significant	ADJ
ajfa-918	165	8	hurdle	hurdle	NOUN
ajfa-918	165	9	in	in	ADP
ajfa-918	165	10	the	the	DET
ajfa-918	165	11	expansion	expansion	NOUN
ajfa-918	165	12	of	of	ADP
ajfa-918	165	13	this	this	DET
ajfa-918	165	14	ib	ib	NOUN
ajfa-918	165	15	.	.	PUNCT
ajfa-918	165	16	results	result	NOUN
ajfa-918	165	17	of	of	ADP
ajfa-918	165	18	both	both	DET
ajfa-918	165	19	subsamples	subsample	NOUN
ajfa-918	165	20	also	also	ADV
ajfa-918	165	21	think	think	VERB
ajfa-918	165	22	that	that	SCONJ
ajfa-918	165	23	this	this	PRON
ajfa-918	165	24	is	be	AUX
ajfa-918	165	25	a	a	DET
ajfa-918	165	26	significant	significant	ADJ
ajfa-918	165	27	factor	factor	NOUN
ajfa-918	165	28	.	.	PUNCT
ajfa-918	166	1	but	but	CCONJ
ajfa-918	166	2	like	like	ADP
ajfa-918	166	3	previous	previous	ADJ
ajfa-918	166	4	factor	factor	NOUN
ajfa-918	166	5	this	this	PRON
ajfa-918	166	6	is	be	AUX
ajfa-918	166	7	much	much	ADV
ajfa-918	166	8	more	more	ADV
ajfa-918	166	9	important	important	ADJ
ajfa-918	166	10	to	to	PART
ajfa-918	166	11	ibe	ibe	VERB
ajfa-918	166	12	as	as	ADP
ajfa-918	166	13	compared	compare	VERB
ajfa-918	166	14	to	to	ADP
ajfa-918	166	15	cbe	cbe	PROPN
ajfa-918	166	16	.	.	PUNCT
ajfa-918	167	1	it	it	PRON
ajfa-918	167	2	can	can	AUX
ajfa-918	167	3	be	be	AUX
ajfa-918	167	4	observed	observe	VERB
ajfa-918	167	5	that	that	SCONJ
ajfa-918	167	6	ibe	ibe	NOUN
ajfa-918	167	7	are	be	AUX
ajfa-918	167	8	giving	give	VERB
ajfa-918	167	9	it	it	PRON
ajfa-918	167	10	more	more	ADJ
ajfa-918	167	11	weight	weight	NOUN
ajfa-918	167	12	than	than	ADP
ajfa-918	167	13	cbe	cbe	PROPN
ajfa-918	167	14	.	.	PUNCT
ajfa-918	168	1	in	in	ADP
ajfa-918	168	2	this	this	DET
ajfa-918	168	3	case	case	NOUN
ajfa-918	168	4	,	,	PUNCT
ajfa-918	168	5	30	30	NUM
ajfa-918	168	6	out	out	ADP
ajfa-918	168	7	of	of	ADP
ajfa-918	168	8	38	38	NUM
ajfa-918	168	9	of	of	ADP
ajfa-918	168	10	ibe	ibe	PROPN
ajfa-918	168	11	are	be	AUX
ajfa-918	168	12	in	in	ADP
ajfa-918	168	13	favor	favor	NOUN
ajfa-918	168	14	of	of	ADP
ajfa-918	168	15	this	this	DET
ajfa-918	168	16	factor	factor	NOUN
ajfa-918	168	17	,	,	PUNCT
ajfa-918	168	18	however	however	ADV
ajfa-918	168	19	in	in	ADP
ajfa-918	168	20	cbe	cbe	PROPN
ajfa-918	168	21	only	only	ADV
ajfa-918	168	22	47	47	NUM
ajfa-918	168	23	out	out	ADP
ajfa-918	168	24	of	of	ADP
ajfa-918	168	25	88	88	NUM
ajfa-918	168	26	agree	agree	VERB
ajfa-918	168	27	with	with	ADP
ajfa-918	168	28	this	this	PRON
ajfa-918	168	29	.	.	PUNCT
ajfa-918	169	1	so	so	ADV
ajfa-918	169	2	it	it	PRON
ajfa-918	169	3	is	be	AUX
ajfa-918	169	4	an	an	DET
ajfa-918	169	5	important	important	ADJ
ajfa-918	169	6	factor	factor	NOUN
ajfa-918	169	7	for	for	ADP
ajfa-918	169	8	both	both	PRON
ajfa-918	169	9	but	but	CCONJ
ajfa-918	169	10	ibs	ibs	PROPN
ajfa-918	169	11	employees	employee	NOUN
ajfa-918	169	12	are	be	AUX
ajfa-918	169	13	more	more	ADV
ajfa-918	169	14	strongly	strongly	ADV
ajfa-918	169	15	agree	agree	VERB
ajfa-918	169	16	to	to	ADP
ajfa-918	169	17	this	this	PRON
ajfa-918	169	18	than	than	ADP
ajfa-918	169	19	cbs	cbs	PROPN
ajfa-918	169	20	employees	employee	NOUN
ajfa-918	169	21	.	.	PUNCT
ajfa-918	170	1	ibe	ibe	PROPN
ajfa-918	170	2	also	also	ADV
ajfa-918	170	3	give	give	VERB
ajfa-918	170	4	assign	assign	NOUN
ajfa-918	170	5	more	more	ADJ
ajfa-918	170	6	weight	weight	NOUN
ajfa-918	170	7	to	to	ADP
ajfa-918	170	8	the	the	DET
ajfa-918	170	9	inadequate	inadequate	ADJ
ajfa-918	170	10	information	information	NOUN
ajfa-918	170	11	about	about	ADP
ajfa-918	170	12	islamic	islamic	ADJ
ajfa-918	170	13	banking	banking	NOUN
ajfa-918	170	14	products	product	NOUN
ajfa-918	170	15	and	and	CCONJ
ajfa-918	170	16	services	service	NOUN
ajfa-918	170	17	as	as	SCONJ
ajfa-918	170	18	compared	compare	VERB
ajfa-918	170	19	to	to	ADP
ajfa-918	170	20	cbe	cbe	PROPN
ajfa-918	170	21	counterparts	counterparts	PROPN
ajfa-918	170	22	.	.	PUNCT
ajfa-918	171	1	this	this	PRON
ajfa-918	171	2	is	be	AUX
ajfa-918	171	3	similar	similar	ADJ
ajfa-918	171	4	to	to	ADP
ajfa-918	171	5	previous	previous	ADJ
ajfa-918	171	6	factor	factor	NOUN
ajfa-918	171	7	situation	situation	NOUN
ajfa-918	171	8	.	.	PUNCT
ajfa-918	172	1	in	in	ADP
ajfa-918	172	2	the	the	DET
ajfa-918	172	3	overall	overall	ADJ
ajfa-918	172	4	sample	sample	NOUN
ajfa-918	172	5	,	,	PUNCT
ajfa-918	172	6	we	we	PRON
ajfa-918	172	7	can	can	AUX
ajfa-918	172	8	see	see	VERB
ajfa-918	172	9	that	that	DET
ajfa-918	172	10	shortage	shortage	NOUN
ajfa-918	172	11	of	of	ADP
ajfa-918	172	12	experienced	experienced	ADJ
ajfa-918	172	13	and	and	CCONJ
ajfa-918	172	14	qualified	qualified	ADJ
ajfa-918	172	15	staff	staff	NOUN
ajfa-918	172	16	is	be	AUX
ajfa-918	172	17	a	a	DET
ajfa-918	172	18	significant	significant	ADJ
ajfa-918	172	19	factor	factor	NOUN
ajfa-918	172	20	.	.	PUNCT
ajfa-918	173	1	however	however	ADV
ajfa-918	173	2	in	in	ADP
ajfa-918	173	3	case	case	NOUN
ajfa-918	173	4	of	of	ADP
ajfa-918	173	5	ibe	ibe	NOUN
ajfa-918	173	6	,	,	PUNCT
ajfa-918	173	7	is	be	AUX
ajfa-918	173	8	not	not	PART
ajfa-918	173	9	significant	significant	ADJ
ajfa-918	173	10	however	however	ADV
ajfa-918	173	11	cbe	cbe	PROPN
ajfa-918	173	12	consider	consider	VERB
ajfa-918	173	13	this	this	PRON
ajfa-918	173	14	to	to	PART
ajfa-918	173	15	be	be	AUX
ajfa-918	173	16	an	an	DET
ajfa-918	173	17	important	important	ADJ
ajfa-918	173	18	factor	factor	NOUN
ajfa-918	173	19	.	.	PUNCT
ajfa-918	174	1	it	it	PRON
ajfa-918	174	2	can	can	AUX
ajfa-918	174	3	be	be	AUX
ajfa-918	174	4	said	say	VERB
ajfa-918	174	5	that	that	SCONJ
ajfa-918	174	6	ibe	ibe	PROPN
ajfa-918	174	7	are	be	AUX
ajfa-918	174	8	biased	bias	VERB
ajfa-918	174	9	because	because	SCONJ
ajfa-918	174	10	being	be	AUX
ajfa-918	174	11	the	the	DET
ajfa-918	174	12	respondents	respondent	NOUN
ajfa-918	174	13	of	of	ADP
ajfa-918	174	14	this	this	DET
ajfa-918	174	15	study	study	NOUN
ajfa-918	174	16	;	;	PUNCT
ajfa-918	174	17	they	they	PRON
ajfa-918	174	18	may	may	AUX
ajfa-918	174	19	not	not	PART
ajfa-918	174	20	consider	consider	VERB
ajfa-918	174	21	themselves	themselves	PRON
ajfa-918	174	22	as	as	ADP
ajfa-918	174	23	unqualified	unqualified	ADJ
ajfa-918	174	24	and	and	CCONJ
ajfa-918	174	25	inexperienced	inexperienced	ADJ
ajfa-918	174	26	.	.	PUNCT
ajfa-918	175	1	in	in	ADP
ajfa-918	175	2	the	the	DET
ajfa-918	175	3	next	next	ADJ
ajfa-918	175	4	case	case	NOUN
ajfa-918	175	5	non	non	NOUN
ajfa-918	175	6	-	-	NOUN
ajfa-918	175	7	availability	availability	NOUN
ajfa-918	175	8	of	of	ADP
ajfa-918	175	9	good	good	ADJ
ajfa-918	175	10	and	and	CCONJ
ajfa-918	175	11	quality	quality	NOUN
ajfa-918	175	12	customer	customer	NOUN
ajfa-918	175	13	services	service	NOUN
ajfa-918	175	14	,	,	PUNCT
ajfa-918	175	15	both	both	DET
ajfa-918	175	16	types	type	NOUN
ajfa-918	175	17	of	of	ADP
ajfa-918	175	18	employees	employee	NOUN
ajfa-918	175	19	show	show	VERB
ajfa-918	175	20	consensus	consensus	NOUN
ajfa-918	175	21	that	that	SCONJ
ajfa-918	175	22	this	this	PRON
ajfa-918	175	23	is	be	AUX
ajfa-918	175	24	not	not	PART
ajfa-918	175	25	a	a	DET
ajfa-918	175	26	barrier	barrier	NOUN
ajfa-918	175	27	to	to	ADP
ajfa-918	175	28	ibs	ibs	PROPN
ajfa-918	175	29	.	.	PUNCT
ajfa-918	176	1	it	it	PRON
ajfa-918	176	2	can	can	AUX
ajfa-918	176	3	be	be	AUX
ajfa-918	176	4	observed	observe	VERB
ajfa-918	176	5	that	that	SCONJ
ajfa-918	176	6	in	in	ADP
ajfa-918	176	7	both	both	DET
ajfa-918	176	8	situations	situation	NOUN
ajfa-918	176	9	,	,	PUNCT
ajfa-918	176	10	disagree	disagree	VERB
ajfa-918	176	11	proportion	proportion	NOUN
ajfa-918	176	12	is	be	AUX
ajfa-918	176	13	high	high	ADJ
ajfa-918	176	14	.	.	PUNCT
ajfa-918	177	1	these	these	DET
ajfa-918	177	2	results	result	NOUN
ajfa-918	177	3	are	be	AUX
ajfa-918	177	4	significant	significant	ADJ
ajfa-918	177	5	at	at	ADP
ajfa-918	177	6	0.05	0.05	NUM
ajfa-918	177	7	level	level	NOUN
ajfa-918	177	8	.	.	PUNCT
ajfa-918	178	1	asian	asian	ADJ
ajfa-918	178	2	journal	journal	PROPN
ajfa-918	178	3	of	of	ADP
ajfa-918	178	4	finance	finance	PROPN
ajfa-918	178	5	&	&	CCONJ
ajfa-918	178	6	accounting	accounting	PROPN
ajfa-918	178	7	issn	issn	PROPN
ajfa-918	178	8	1946	1946	NUM
ajfa-918	178	9	-	-	PUNCT
ajfa-918	178	10	052x	052x	NOUN
ajfa-918	178	11	2011	2011	NUM
ajfa-918	178	12	,	,	PUNCT
ajfa-918	178	13	vol	vol	NOUN
ajfa-918	178	14	.	.	PROPN
ajfa-918	179	1	3	3	NUM
ajfa-918	179	2	,	,	PUNCT
ajfa-918	179	3	no	no	INTJ
ajfa-918	179	4	.	.	NOUN
ajfa-918	179	5	1	1	NUM
ajfa-918	179	6	:	:	PUNCT
ajfa-918	179	7	e4	e4	PROPN
ajfa-918	179	8	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-918	179	9	66	66	NUM
ajfa-918	179	10	table	table	NOUN
ajfa-918	179	11	3	3	NUM
ajfa-918	179	12	.	.	PUNCT
ajfa-918	179	13	test	test	NOUN
ajfa-918	179	14	result	result	NOUN
ajfa-918	179	15	of	of	ADP
ajfa-918	179	16	islamic	islamic	ADJ
ajfa-918	179	17	banking	banking	NOUN
ajfa-918	179	18	factors	factor	NOUN
ajfa-918	179	19	observed	observe	VERB
ajfa-918	179	20	n	n	VERB
ajfa-918	179	21	expected	expect	VERB
ajfa-918	179	22	n	n	CCONJ
ajfa-918	179	23	residual	residual	ADJ
ajfa-918	179	24	chi	chi	PROPN
ajfa-918	179	25	square	square	ADJ
ajfa-918	179	26	test	test	NOUN
ajfa-918	179	27	value	value	NOUN
ajfa-918	179	28	with	with	ADP
ajfa-918	179	29	significance	significance	NOUN
ajfa-918	179	30	ignorance	ignorance	NOUN
ajfa-918	179	31	to	to	ADP
ajfa-918	179	32	financial	financial	ADJ
ajfa-918	179	33	teachings	teaching	NOUN
ajfa-918	179	34	of	of	ADP
ajfa-918	179	35	islam	islam	PROPN
ajfa-918	179	36	disagree	disagree	VERB
ajfa-918	179	37	2	2	NUM
ajfa-918	179	38	12.7	12.7	NUM
ajfa-918	179	39	-10.7	-10.7	NUM
ajfa-918	179	40	40.158	40.158	NUM
ajfa-918	179	41	.000	.000	NUM
ajfa-918	179	42	*	*	PUNCT
ajfa-918	179	43	not	not	PART
ajfa-918	179	44	sure	sure	ADJ
ajfa-918	179	45	5	5	NUM
ajfa-918	179	46	12.7	12.7	NUM
ajfa-918	179	47	-7.7	-7.7	NOUN
ajfa-918	179	48	agree	agree	VERB
ajfa-918	179	49	31	31	NUM
ajfa-918	179	50	12.7	12.7	NUM
ajfa-918	179	51	18.3	18.3	NUM
ajfa-918	179	52	trust	trust	NOUN
ajfa-918	179	53	deficiency	deficiency	NOUN
ajfa-918	179	54	towards	towards	ADP
ajfa-918	179	55	interest	interest	NOUN
ajfa-918	179	56	free	free	ADJ
ajfa-918	179	57	banking	banking	NOUN
ajfa-918	179	58	disagree	disagree	VERB
ajfa-918	179	59	7	7	NUM
ajfa-918	179	60	12.7	12.7	NUM
ajfa-918	179	61	-5.7	-5.7	NOUN
ajfa-918	179	62	37.000	37.000	NUM
ajfa-918	179	63	.000	.000	NUM
ajfa-918	179	64	*	*	PUNCT
ajfa-918	179	65	not	not	PART
ajfa-918	179	66	sure	sure	ADJ
ajfa-918	179	67	1	1	NUM
ajfa-918	179	68	12.7	12.7	NUM
ajfa-918	179	69	-11.7	-11.7	ADV
ajfa-918	179	70	agree	agree	VERB
ajfa-918	179	71	30	30	NUM
ajfa-918	179	72	12.7	12.7	NUM
ajfa-918	179	73	17.3	17.3	NUM
ajfa-918	179	74	inadequate	inadequate	ADJ
ajfa-918	179	75	info	info	NOUN
ajfa-918	179	76	about	about	ADP
ajfa-918	179	77	islamic	islamic	ADJ
ajfa-918	179	78	banking	banking	NOUN
ajfa-918	179	79	services	service	NOUN
ajfa-918	179	80	disagree	disagree	VERB
ajfa-918	179	81	6	6	NUM
ajfa-918	179	82	12.7	12.7	NUM
ajfa-918	179	83	-6.7	-6.7	ADP
ajfa-918	179	84	36.211	36.211	NUM
ajfa-918	179	85	.000	.000	NUM
ajfa-918	179	86	*	*	PUNCT
ajfa-918	179	87	not	not	PART
ajfa-918	179	88	sure	sure	ADJ
ajfa-918	179	89	2	2	NUM
ajfa-918	179	90	12.7	12.7	NUM
ajfa-918	179	91	-10.7	-10.7	NUM
ajfa-918	179	92	agree	agree	VERB
ajfa-918	179	93	30	30	NUM
ajfa-918	179	94	12.7	12.7	NUM
ajfa-918	179	95	17.3	17.3	NUM
ajfa-918	179	96	shortage	shortage	NOUN
ajfa-918	179	97	of	of	ADP
ajfa-918	179	98	experienced	experienced	ADJ
ajfa-918	179	99	and	and	CCONJ
ajfa-918	179	100	qualified	qualified	ADJ
ajfa-918	179	101	staff	staff	NOUN
ajfa-918	179	102	disagree	disagree	VERB
ajfa-918	179	103	15	15	NUM
ajfa-918	179	104	12.7	12.7	NUM
ajfa-918	179	105	2.3	2.3	NUM
ajfa-918	179	106	5.421	5.421	NUM
ajfa-918	179	107	.067	.067	NUM
ajfa-918	179	108	not	not	PART
ajfa-918	179	109	sure	sure	ADJ
ajfa-918	179	110	6	6	NUM
ajfa-918	179	111	12.7	12.7	NUM
ajfa-918	179	112	-6.7	-6.7	PART
ajfa-918	179	113	agree	agree	VERB
ajfa-918	179	114	17	17	NUM
ajfa-918	179	115	12.7	12.7	NUM
ajfa-918	179	116	4.3	4.3	NUM
ajfa-918	179	117	non	non	ADJ
ajfa-918	179	118	availability	availability	NOUN
ajfa-918	179	119	of	of	ADP
ajfa-918	179	120	good	good	ADJ
ajfa-918	179	121	quality	quality	NOUN
ajfa-918	179	122	customer	customer	NOUN
ajfa-918	179	123	services	service	NOUN
ajfa-918	179	124	disagree	disagree	VERB
ajfa-918	179	125	21	21	NUM
ajfa-918	179	126	12.7	12.7	NUM
ajfa-918	179	127	8.3	8.3	NUM
ajfa-918	179	128	13.000	13.000	NUM
ajfa-918	179	129	.002	.002	NUM
ajfa-918	179	130	*	*	PUNCT
ajfa-918	179	131	not	not	PART
ajfa-918	179	132	sure	sure	ADJ
ajfa-918	179	133	3	3	NUM
ajfa-918	179	134	12.7	12.7	NUM
ajfa-918	179	135	-9.7	-9.7	NOUN
ajfa-918	179	136	agree	agree	VERB
ajfa-918	179	137	14	14	NUM
ajfa-918	179	138	12.7	12.7	NUM
ajfa-918	179	139	1.3	1.3	NUM
ajfa-918	179	140	low	low	ADJ
ajfa-918	179	141	effectiveness	effectiveness	NOUN
ajfa-918	179	142	of	of	ADP
ajfa-918	179	143	services	service	NOUN
ajfa-918	179	144	disagree	disagree	VERB
ajfa-918	179	145	18	18	NUM
ajfa-918	179	146	12.7	12.7	NUM
ajfa-918	179	147	5.3	5.3	NUM
ajfa-918	179	148	4.000	4.000	NUM
ajfa-918	179	149	.135	.135	NUM
ajfa-918	179	150	not	not	PART
ajfa-918	179	151	sure	sure	ADJ
ajfa-918	179	152	8	8	NUM
ajfa-918	179	153	12.7	12.7	NUM
ajfa-918	179	154	-4.7	-4.7	NOUN
ajfa-918	179	155	agree	agree	VERB
ajfa-918	179	156	12	12	NUM
ajfa-918	179	157	12.7	12.7	NUM
ajfa-918	179	158	-.7	-.7	PROPN
ajfa-918	179	159	high	high	ADJ
ajfa-918	179	160	cost	cost	NOUN
ajfa-918	179	161	of	of	ADP
ajfa-918	179	162	banking	banking	NOUN
ajfa-918	179	163	products	product	NOUN
ajfa-918	179	164	and	and	CCONJ
ajfa-918	179	165	services	service	NOUN
ajfa-918	179	166	disagree	disagree	VERB
ajfa-918	179	167	17	17	NUM
ajfa-918	179	168	12.7	12.7	NUM
ajfa-918	179	169	4.3	4.3	NUM
ajfa-918	179	170	2.579	2.579	NUM
ajfa-918	179	171	.275	.275	NUM
ajfa-918	179	172	not	not	PART
ajfa-918	179	173	sure	sure	ADJ
ajfa-918	179	174	12	12	NUM
ajfa-918	179	175	12.7	12.7	NUM
ajfa-918	179	176	-.7	-.7	NOUN
ajfa-918	179	177	agree	agree	VERB
ajfa-918	179	178	9	9	NUM
ajfa-918	179	179	12.7	12.7	NUM
ajfa-918	179	180	-3.7	-3.7	NOUN
ajfa-918	179	181	small	small	ADJ
ajfa-918	179	182	network	network	NOUN
ajfa-918	179	183	of	of	ADP
ajfa-918	179	184	branches	branch	NOUN
ajfa-918	179	185	disagree	disagree	VERB
ajfa-918	179	186	8	8	NUM
ajfa-918	179	187	12.7	12.7	NUM
ajfa-918	179	188	-4.7	-4.7	NOUN
ajfa-918	179	189	25.316	25.316	NUM
ajfa-918	179	190	.000	.000	NUM
ajfa-918	179	191	*	*	PUNCT
ajfa-918	179	192	not	not	PART
ajfa-918	179	193	sure	sure	ADJ
ajfa-918	179	194	3	3	NUM
ajfa-918	179	195	12.7	12.7	NUM
ajfa-918	179	196	-9.7	-9.7	PUNCT
ajfa-918	179	197	agree	agree	VERB
ajfa-918	179	198	27	27	NUM
ajfa-918	179	199	12.7	12.7	NUM
ajfa-918	179	200	14.3	14.3	NUM
ajfa-918	179	201	location	location	NOUN
ajfa-918	179	202	of	of	ADP
ajfa-918	179	203	banks	bank	NOUN
ajfa-918	179	204	disagree	disagree	VERB
ajfa-918	179	205	12	12	NUM
ajfa-918	179	206	12.7	12.7	NUM
ajfa-918	179	207	-.7	-.7	PROPN
ajfa-918	179	208	15.842	15.842	NUM
ajfa-918	179	209	.000	.000	NUM
ajfa-918	179	210	*	*	PUNCT
ajfa-918	179	211	not	not	PART
ajfa-918	179	212	sure	sure	ADJ
ajfa-918	179	213	3	3	NUM
ajfa-918	179	214	12.7	12.7	NUM
ajfa-918	179	215	-9.7	-9.7	PUNCT
ajfa-918	179	216	agree	agree	VERB
ajfa-918	179	217	23	23	NUM
ajfa-918	179	218	12.7	12.7	NUM
ajfa-918	179	219	10.3	10.3	NUM
ajfa-918	179	220	*	*	PUNCT
ajfa-918	179	221	significant	significant	ADJ
ajfa-918	179	222	at	at	ADP
ajfa-918	179	223	.05	.05	NUM
ajfa-918	179	224	level	level	NOUN
ajfa-918	179	225	of	of	ADP
ajfa-918	179	226	significance	significance	NOUN
ajfa-918	179	227	with	with	ADP
ajfa-918	179	228	respect	respect	NOUN
ajfa-918	179	229	to	to	ADP
ajfa-918	179	230	low	low	ADJ
ajfa-918	179	231	effectiveness	effectiveness	NOUN
ajfa-918	179	232	of	of	ADP
ajfa-918	179	233	services	service	NOUN
ajfa-918	179	234	,	,	PUNCT
ajfa-918	179	235	ibe	ibe	NOUN
ajfa-918	179	236	and	and	CCONJ
ajfa-918	179	237	cbe	cbe	PROPN
ajfa-918	179	238	as	as	ADP
ajfa-918	179	239	whole	whole	ADJ
ajfa-918	179	240	do	do	AUX
ajfa-918	179	241	not	not	PART
ajfa-918	179	242	see	see	VERB
ajfa-918	179	243	it	it	PRON
ajfa-918	179	244	as	as	ADP
ajfa-918	179	245	a	a	DET
ajfa-918	179	246	problem	problem	NOUN
ajfa-918	179	247	for	for	ADP
ajfa-918	179	248	expansion	expansion	NOUN
ajfa-918	179	249	of	of	ADP
ajfa-918	179	250	ib	ib	PROPN
ajfa-918	179	251	.	.	PUNCT
ajfa-918	180	1	the	the	DET
ajfa-918	180	2	result	result	NOUN
ajfa-918	180	3	of	of	ADP
ajfa-918	180	4	ibe	ibe	PROPN
ajfa-918	180	5	subsample	subsample	NOUN
ajfa-918	180	6	is	be	AUX
ajfa-918	180	7	in	in	ADP
ajfa-918	180	8	aligns	align	NOUN
ajfa-918	180	9	with	with	ADP
ajfa-918	180	10	that	that	PRON
ajfa-918	180	11	of	of	ADP
ajfa-918	180	12	overall	overall	ADJ
ajfa-918	180	13	sample	sample	NOUN
ajfa-918	180	14	.	.	PUNCT
ajfa-918	181	1	moreover	moreover	ADV
ajfa-918	181	2	,	,	PUNCT
ajfa-918	181	3	p	p	NOUN
ajfa-918	181	4	-	-	PUNCT
ajfa-918	181	5	value	value	NOUN
ajfa-918	181	6	of	of	ADP
ajfa-918	181	7	.002	.002	NUM
ajfa-918	181	8	is	be	AUX
ajfa-918	181	9	not	not	PART
ajfa-918	181	10	significant	significant	ADJ
ajfa-918	181	11	for	for	ADP
ajfa-918	181	12	cbe	cbe	PROPN
ajfa-918	181	13	due	due	ADP
ajfa-918	181	14	to	to	ADP
ajfa-918	181	15	proportional	proportional	ADJ
ajfa-918	181	16	difference	difference	NOUN
ajfa-918	181	17	between	between	ADP
ajfa-918	181	18	agree	agree	VERB
ajfa-918	181	19	and	and	CCONJ
ajfa-918	181	20	disagree	disagree	VERB
ajfa-918	181	21	but	but	CCONJ
ajfa-918	181	22	due	due	ADP
ajfa-918	181	23	to	to	ADP
ajfa-918	181	24	huge	huge	ADJ
ajfa-918	181	25	difference	difference	NOUN
ajfa-918	181	26	from	from	ADP
ajfa-918	181	27	neutral	neutral	ADJ
ajfa-918	181	28	group	group	NOUN
ajfa-918	181	29	.	.	PUNCT
ajfa-918	182	1	both	both	DET
ajfa-918	182	2	types	type	NOUN
ajfa-918	182	3	of	of	ADP
ajfa-918	182	4	bank	bank	NOUN
ajfa-918	182	5	employees	employee	NOUN
ajfa-918	182	6	show	show	VERB
ajfa-918	182	7	that	that	SCONJ
ajfa-918	182	8	high	high	ADJ
ajfa-918	182	9	cost	cost	NOUN
ajfa-918	182	10	of	of	ADP
ajfa-918	182	11	banking	banking	NOUN
ajfa-918	182	12	products	product	NOUN
ajfa-918	182	13	and	and	CCONJ
ajfa-918	182	14	services	service	NOUN
ajfa-918	182	15	is	be	AUX
ajfa-918	182	16	not	not	PART
ajfa-918	182	17	a	a	DET
ajfa-918	182	18	asian	asian	ADJ
ajfa-918	182	19	journal	journal	NOUN
ajfa-918	182	20	of	of	ADP
ajfa-918	182	21	finance	finance	PROPN
ajfa-918	182	22	&	&	CCONJ
ajfa-918	182	23	accounting	accounting	PROPN
ajfa-918	182	24	issn	issn	PROPN
ajfa-918	182	25	1946	1946	NUM
ajfa-918	182	26	-	-	PUNCT
ajfa-918	182	27	052x	052x	NOUN
ajfa-918	182	28	2011	2011	NUM
ajfa-918	182	29	,	,	PUNCT
ajfa-918	182	30	vol	vol	NOUN
ajfa-918	182	31	.	.	PROPN
ajfa-918	183	1	3	3	NUM
ajfa-918	183	2	,	,	PUNCT
ajfa-918	183	3	no	no	INTJ
ajfa-918	183	4	.	.	NOUN
ajfa-918	183	5	1	1	NUM
ajfa-918	183	6	:	:	PUNCT
ajfa-918	183	7	e4	e4	PROPN
ajfa-918	183	8	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-918	183	9	67	67	NUM
ajfa-918	183	10	barrier	barrier	NOUN
ajfa-918	183	11	for	for	ADP
ajfa-918	183	12	ibs	ibs	PROPN
ajfa-918	183	13	.	.	PUNCT
ajfa-918	184	1	in	in	ADP
ajfa-918	184	2	the	the	DET
ajfa-918	184	3	last	last	ADJ
ajfa-918	184	4	two	two	NUM
ajfa-918	184	5	factors	factor	NOUN
ajfa-918	184	6	,	,	PUNCT
ajfa-918	184	7	small	small	ADJ
ajfa-918	184	8	network	network	NOUN
ajfa-918	184	9	of	of	ADP
ajfa-918	184	10	branches	branch	NOUN
ajfa-918	184	11	and	and	CCONJ
ajfa-918	184	12	location	location	NOUN
ajfa-918	184	13	of	of	ADP
ajfa-918	184	14	branches	branch	NOUN
ajfa-918	184	15	are	be	AUX
ajfa-918	184	16	significant	significant	ADJ
ajfa-918	184	17	barriers	barrier	NOUN
ajfa-918	184	18	for	for	ADP
ajfa-918	184	19	promotion	promotion	NOUN
ajfa-918	184	20	of	of	ADP
ajfa-918	184	21	ib	ib	PROPN
ajfa-918	184	22	.	.	PUNCT
ajfa-918	185	1	both	both	DET
ajfa-918	185	2	types	type	NOUN
ajfa-918	185	3	of	of	ADP
ajfa-918	185	4	employees	employee	NOUN
ajfa-918	185	5	are	be	AUX
ajfa-918	185	6	showing	show	VERB
ajfa-918	185	7	their	their	PRON
ajfa-918	185	8	consensus	consensus	NOUN
ajfa-918	185	9	on	on	ADP
ajfa-918	185	10	these	these	DET
ajfa-918	185	11	factors	factor	NOUN
ajfa-918	185	12	.	.	PUNCT
ajfa-918	186	1	these	these	DET
ajfa-918	186	2	results	result	NOUN
ajfa-918	186	3	are	be	AUX
ajfa-918	186	4	significant	significant	ADJ
ajfa-918	186	5	at	at	ADP
ajfa-918	186	6	0.05	0.05	NUM
ajfa-918	186	7	level	level	NOUN
ajfa-918	186	8	.	.	PUNCT
ajfa-918	187	1	thus	thus	ADV
ajfa-918	187	2	according	accord	VERB
ajfa-918	187	3	to	to	ADP
ajfa-918	187	4	ib	ib	PROPN
ajfa-918	187	5	employees	employee	NOUN
ajfa-918	187	6	subsample	subsample	ADV
ajfa-918	187	7	following	follow	VERB
ajfa-918	187	8	are	be	AUX
ajfa-918	187	9	hindrances	hindrance	NOUN
ajfa-918	187	10	to	to	ADP
ajfa-918	187	11	ib	ib	PROPN
ajfa-918	187	12	growth	growth	NOUN
ajfa-918	187	13	1	1	NUM
ajfa-918	187	14	)	)	PUNCT
ajfa-918	187	15	ignorance	ignorance	NOUN
ajfa-918	187	16	to	to	ADP
ajfa-918	187	17	teachings	teaching	NOUN
ajfa-918	187	18	of	of	ADP
ajfa-918	187	19	islam	islam	PROPN
ajfa-918	187	20	2	2	NUM
ajfa-918	187	21	)	)	PUNCT
ajfa-918	187	22	inadequate	inadequate	ADJ
ajfa-918	187	23	info	info	NOUN
ajfa-918	187	24	about	about	ADP
ajfa-918	187	25	islamic	islamic	ADJ
ajfa-918	187	26	banking	banking	NOUN
ajfa-918	187	27	services	service	NOUN
ajfa-918	187	28	3	3	NUM
ajfa-918	187	29	)	)	PUNCT
ajfa-918	187	30	trust	trust	NOUN
ajfa-918	187	31	deficiency	deficiency	NOUN
ajfa-918	187	32	towards	towards	ADP
ajfa-918	187	33	interest	interest	NOUN
ajfa-918	187	34	free	free	ADJ
ajfa-918	187	35	banking	banking	NOUN
ajfa-918	187	36	4	4	NUM
ajfa-918	187	37	)	)	PUNCT
ajfa-918	187	38	small	small	ADJ
ajfa-918	187	39	network	network	NOUN
ajfa-918	187	40	of	of	ADP
ajfa-918	187	41	branches	branch	NOUN
ajfa-918	187	42	5	5	NUM
ajfa-918	187	43	)	)	PUNCT
ajfa-918	187	44	location	location	NOUN
ajfa-918	187	45	of	of	ADP
ajfa-918	187	46	banks	bank	NOUN
ajfa-918	187	47	asian	asian	ADJ
ajfa-918	187	48	journal	journal	PROPN
ajfa-918	187	49	of	of	ADP
ajfa-918	187	50	finance	finance	PROPN
ajfa-918	187	51	&	&	CCONJ
ajfa-918	187	52	accounting	accounting	PROPN
ajfa-918	187	53	issn	issn	PROPN
ajfa-918	187	54	1946	1946	NUM
ajfa-918	187	55	-	-	PUNCT
ajfa-918	187	56	052x	052x	NOUN
ajfa-918	187	57	2011	2011	NUM
ajfa-918	187	58	,	,	PUNCT
ajfa-918	187	59	vol	vol	NOUN
ajfa-918	187	60	.	.	PROPN
ajfa-918	188	1	3	3	NUM
ajfa-918	188	2	,	,	PUNCT
ajfa-918	188	3	no	no	INTJ
ajfa-918	188	4	.	.	NOUN
ajfa-918	188	5	1	1	NUM
ajfa-918	188	6	:	:	PUNCT
ajfa-918	188	7	e4	e4	PROPN
ajfa-918	188	8	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-918	188	9	68	68	NUM
ajfa-918	188	10	table	table	NOUN
ajfa-918	188	11	4	4	NUM
ajfa-918	188	12	.	.	PUNCT
ajfa-918	188	13	test	test	NOUN
ajfa-918	188	14	result	result	NOUN
ajfa-918	188	15	of	of	ADP
ajfa-918	188	16	conventional	conventional	ADJ
ajfa-918	188	17	banking	banking	NOUN
ajfa-918	188	18	factors	factor	NOUN
ajfa-918	188	19	observed	observe	VERB
ajfa-918	188	20	n	n	AUX
ajfa-918	188	21	expected	expect	VERB
ajfa-918	188	22	n	n	CCONJ
ajfa-918	188	23	residual	residual	ADJ
ajfa-918	188	24	chi	chi	PROPN
ajfa-918	188	25	square	square	ADJ
ajfa-918	188	26	test	test	NOUN
ajfa-918	188	27	value	value	NOUN
ajfa-918	188	28	with	with	ADP
ajfa-918	188	29	significance	significance	NOUN
ajfa-918	188	30	ignorance	ignorance	NOUN
ajfa-918	188	31	to	to	ADP
ajfa-918	188	32	financial	financial	ADJ
ajfa-918	188	33	teachings	teaching	NOUN
ajfa-918	188	34	of	of	ADP
ajfa-918	188	35	islam	islam	PROPN
ajfa-918	188	36	disagree	disagree	VERB
ajfa-918	188	37	30	30	NUM
ajfa-918	188	38	29.3	29.3	NUM
ajfa-918	188	39	.7	.7	PROPN
ajfa-918	188	40	19.727	19.727	NUM
ajfa-918	188	41	.000	.000	NUM
ajfa-918	188	42	*	*	PUNCT
ajfa-918	188	43	not	not	PART
ajfa-918	188	44	sure	sure	ADJ
ajfa-918	188	45	12	12	NUM
ajfa-918	188	46	29.3	29.3	NUM
ajfa-918	188	47	-17.3	-17.3	NOUN
ajfa-918	188	48	agree	agree	VERB
ajfa-918	188	49	46	46	NUM
ajfa-918	188	50	29.3	29.3	NUM
ajfa-918	188	51	16.7	16.7	NUM
ajfa-918	188	52	trust	trust	NOUN
ajfa-918	188	53	deficiency	deficiency	NOUN
ajfa-918	188	54	towards	towards	ADP
ajfa-918	188	55	interest	interest	NOUN
ajfa-918	188	56	free	free	ADJ
ajfa-918	188	57	banking	banking	NOUN
ajfa-918	188	58	disagree	disagree	VERB
ajfa-918	188	59	25	25	NUM
ajfa-918	188	60	29.3	29.3	NUM
ajfa-918	188	61	-4.3	-4.3	NOUN
ajfa-918	188	62	17.341	17.341	NUM
ajfa-918	188	63	.000	.000	NUM
ajfa-918	188	64	*	*	PUNCT
ajfa-918	188	65	not	not	PART
ajfa-918	188	66	sure	sure	ADJ
ajfa-918	188	67	16	16	NUM
ajfa-918	188	68	29.3	29.3	NUM
ajfa-918	188	69	-13.3	-13.3	NUM
ajfa-918	188	70	agree	agree	VERB
ajfa-918	188	71	47	47	NUM
ajfa-918	188	72	29.3	29.3	NUM
ajfa-918	188	73	17.7	17.7	NUM
ajfa-918	188	74	inadequate	inadequate	ADJ
ajfa-918	188	75	info	info	NOUN
ajfa-918	188	76	about	about	ADP
ajfa-918	188	77	islamic	islamic	ADJ
ajfa-918	188	78	banking	banking	NOUN
ajfa-918	188	79	services	service	NOUN
ajfa-918	188	80	disagree	disagree	VERB
ajfa-918	188	81	21	21	NUM
ajfa-918	188	82	29.3	29.3	NUM
ajfa-918	188	83	-8.3	-8.3	ADP
ajfa-918	188	84	32.205	32.205	NUM
ajfa-918	188	85	.000	.000	NUM
ajfa-918	188	86	*	*	PUNCT
ajfa-918	188	87	not	not	PART
ajfa-918	188	88	sure	sure	ADJ
ajfa-918	188	89	13	13	NUM
ajfa-918	188	90	29.3	29.3	NUM
ajfa-918	188	91	-16.3	-16.3	NOUN
ajfa-918	188	92	agree	agree	VERB
ajfa-918	188	93	54	54	NUM
ajfa-918	188	94	29.3	29.3	NUM
ajfa-918	188	95	24.7	24.7	NUM
ajfa-918	188	96	shortage	shortage	NOUN
ajfa-918	188	97	of	of	ADP
ajfa-918	188	98	experienced	experienced	ADJ
ajfa-918	188	99	and	and	CCONJ
ajfa-918	188	100	qualified	qualified	ADJ
ajfa-918	188	101	staff	staff	NOUN
ajfa-918	188	102	disagree	disagree	VERB
ajfa-918	188	103	29	29	NUM
ajfa-918	188	104	29.3	29.3	NUM
ajfa-918	188	105	-.3	-.3	PROPN
ajfa-918	188	106	28.659	28.659	NUM
ajfa-918	188	107	.000	.000	NUM
ajfa-918	188	108	*	*	PUNCT
ajfa-918	188	109	not	not	PART
ajfa-918	188	110	sure	sure	ADJ
ajfa-918	188	111	9	9	NUM
ajfa-918	188	112	29.3	29.3	NUM
ajfa-918	188	113	-20.3	-20.3	NUM
ajfa-918	188	114	agree	agree	VERB
ajfa-918	188	115	50	50	NUM
ajfa-918	188	116	29.3	29.3	NUM
ajfa-918	188	117	20.7	20.7	NUM
ajfa-918	188	118	non	non	ADJ
ajfa-918	188	119	availability	availability	NOUN
ajfa-918	188	120	of	of	ADP
ajfa-918	188	121	good	good	ADJ
ajfa-918	188	122	quality	quality	NOUN
ajfa-918	188	123	customer	customer	NOUN
ajfa-918	188	124	services	service	NOUN
ajfa-918	188	125	disagree	disagree	VERB
ajfa-918	188	126	40	40	NUM
ajfa-918	188	127	29.3	29.3	NUM
ajfa-918	188	128	10.7	10.7	NUM
ajfa-918	188	129	14.068	14.068	NUM
ajfa-918	188	130	.001	.001	NUM
ajfa-918	188	131	*	*	PUNCT
ajfa-918	188	132	not	not	PART
ajfa-918	188	133	sure	sure	ADJ
ajfa-918	188	134	13	13	NUM
ajfa-918	188	135	29.3	29.3	NUM
ajfa-918	188	136	-16.3	-16.3	NOUN
ajfa-918	188	137	agree	agree	VERB
ajfa-918	188	138	35	35	NUM
ajfa-918	188	139	29.3	29.3	NUM
ajfa-918	188	140	5.7	5.7	NUM
ajfa-918	188	141	low	low	ADJ
ajfa-918	188	142	effectiveness	effectiveness	NOUN
ajfa-918	188	143	of	of	ADP
ajfa-918	188	144	services	service	NOUN
ajfa-918	188	145	disagree	disagree	VERB
ajfa-918	188	146	36	36	NUM
ajfa-918	188	147	29.3	29.3	NUM
ajfa-918	188	148	6.7	6.7	NUM
ajfa-918	188	149	7.795	7.795	NUM
ajfa-918	188	150	.002	.002	NUM
ajfa-918	188	151	*	*	PUNCT
ajfa-918	188	152	not	not	PART
ajfa-918	188	153	sure	sure	ADJ
ajfa-918	188	154	17	17	NUM
ajfa-918	188	155	29.3	29.3	NUM
ajfa-918	188	156	-12.3	-12.3	NUM
ajfa-918	188	157	agree	agree	VERB
ajfa-918	188	158	35	35	NUM
ajfa-918	188	159	29.3	29.3	NUM
ajfa-918	188	160	5.7	5.7	NUM
ajfa-918	188	161	high	high	ADJ
ajfa-918	188	162	cost	cost	NOUN
ajfa-918	188	163	of	of	ADP
ajfa-918	188	164	banking	banking	NOUN
ajfa-918	188	165	products	product	NOUN
ajfa-918	188	166	and	and	CCONJ
ajfa-918	188	167	services	service	NOUN
ajfa-918	188	168	disagree	disagree	VERB
ajfa-918	188	169	30	30	NUM
ajfa-918	188	170	29.3	29.3	NUM
ajfa-918	188	171	.7	.7	NUM
ajfa-918	188	172	4.386	4.386	NUM
ajfa-918	188	173	.112	.112	NUM
ajfa-918	188	174	not	not	PART
ajfa-918	188	175	sure	sure	ADJ
ajfa-918	188	176	21	21	NUM
ajfa-918	188	177	29.3	29.3	NUM
ajfa-918	188	178	-8.3	-8.3	PUNCT
ajfa-918	188	179	agree	agree	VERB
ajfa-918	188	180	37	37	NUM
ajfa-918	188	181	29.3	29.3	NUM
ajfa-918	188	182	7.7	7.7	NUM
ajfa-918	188	183	small	small	ADJ
ajfa-918	188	184	network	network	NOUN
ajfa-918	188	185	of	of	ADP
ajfa-918	188	186	branches	branch	NOUN
ajfa-918	188	187	disagree	disagree	VERB
ajfa-918	188	188	13	13	NUM
ajfa-918	188	189	29.3	29.3	NUM
ajfa-918	188	190	-16.3	-16.3	NOUN
ajfa-918	188	191	61.523	61.523	NUM
ajfa-918	188	192	.000	.000	NUM
ajfa-918	188	193	*	*	PUNCT
ajfa-918	188	194	not	not	PART
ajfa-918	188	195	sure	sure	ADJ
ajfa-918	188	196	11	11	NUM
ajfa-918	188	197	29.3	29.3	NUM
ajfa-918	188	198	-18.3	-18.3	PUNCT
ajfa-918	188	199	agree	agree	VERB
ajfa-918	188	200	64	64	NUM
ajfa-918	188	201	29.3	29.3	NUM
ajfa-918	188	202	34.7	34.7	NUM
ajfa-918	188	203	location	location	NOUN
ajfa-918	188	204	of	of	ADP
ajfa-918	188	205	banks	bank	NOUN
ajfa-918	188	206	5	5	NUM
ajfa-918	188	207	disagree	disagree	VERB
ajfa-918	188	208	26	26	NUM
ajfa-918	188	209	29.3	29.3	NUM
ajfa-918	188	210	-3.3	-3.3	NOUN
ajfa-918	188	211	7.386	7.386	NUM
ajfa-918	188	212	.025	.025	NUM
ajfa-918	188	213	*	*	PUNCT
ajfa-918	188	214	not	not	PART
ajfa-918	188	215	sure	sure	ADJ
ajfa-918	188	216	21	21	NUM
ajfa-918	188	217	29.3	29.3	NUM
ajfa-918	188	218	-8.3	-8.3	PUNCT
ajfa-918	188	219	agree	agree	VERB
ajfa-918	188	220	41	41	NUM
ajfa-918	188	221	29.3	29.3	NUM
ajfa-918	188	222	11.7	11.7	NUM
ajfa-918	188	223	*	*	PUNCT
ajfa-918	188	224	significant	significant	ADJ
ajfa-918	188	225	at	at	ADP
ajfa-918	188	226	.05	.05	NUM
ajfa-918	188	227	level	level	NOUN
ajfa-918	188	228	of	of	ADP
ajfa-918	188	229	significance	significance	NOUN
ajfa-918	188	230	while	while	SCONJ
ajfa-918	188	231	cb	cb	PROPN
ajfa-918	188	232	employees	employee	NOUN
ajfa-918	188	233	consider	consider	VERB
ajfa-918	188	234	following	follow	VERB
ajfa-918	188	235	to	to	ADP
ajfa-918	188	236	major	major	ADJ
ajfa-918	188	237	hurdle	hurdle	NOUN
ajfa-918	188	238	to	to	ADP
ajfa-918	188	239	ib	ib	PROPN
ajfa-918	188	240	growth	growth	NOUN
ajfa-918	188	241	1	1	NUM
ajfa-918	188	242	)	)	PUNCT
ajfa-918	188	243	small	small	ADJ
ajfa-918	188	244	network	network	NOUN
ajfa-918	188	245	of	of	ADP
ajfa-918	188	246	branches	branch	NOUN
ajfa-918	188	247	2	2	NUM
ajfa-918	188	248	)	)	PUNCT
ajfa-918	188	249	inadequate	inadequate	ADJ
ajfa-918	188	250	info	info	NOUN
ajfa-918	188	251	about	about	ADP
ajfa-918	188	252	islamic	islamic	ADJ
ajfa-918	188	253	banking	banking	NOUN
ajfa-918	188	254	services	service	NOUN
ajfa-918	188	255	asian	asian	ADJ
ajfa-918	188	256	journal	journal	PROPN
ajfa-918	188	257	of	of	ADP
ajfa-918	188	258	finance	finance	PROPN
ajfa-918	188	259	&	&	CCONJ
ajfa-918	188	260	accounting	accounting	PROPN
ajfa-918	188	261	issn	issn	PROPN
ajfa-918	188	262	1946	1946	NUM
ajfa-918	188	263	-	-	PUNCT
ajfa-918	188	264	052x	052x	NOUN
ajfa-918	188	265	2011	2011	NUM
ajfa-918	188	266	,	,	PUNCT
ajfa-918	188	267	vol	vol	NOUN
ajfa-918	188	268	.	.	PROPN
ajfa-918	189	1	3	3	NUM
ajfa-918	189	2	,	,	PUNCT
ajfa-918	189	3	no	no	INTJ
ajfa-918	189	4	.	.	NOUN
ajfa-918	189	5	1	1	NUM
ajfa-918	189	6	:	:	PUNCT
ajfa-918	189	7	e4	e4	PROPN
ajfa-918	189	8	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-918	189	9	69	69	NUM
ajfa-918	189	10	3	3	NUM
ajfa-918	189	11	)	)	PUNCT
ajfa-918	189	12	trust	trust	NOUN
ajfa-918	189	13	deficiency	deficiency	NOUN
ajfa-918	189	14	towards	towards	ADP
ajfa-918	189	15	interest	interest	NOUN
ajfa-918	189	16	free	free	ADJ
ajfa-918	189	17	banking	bank	VERB
ajfa-918	189	18	4	4	NUM
ajfa-918	189	19	)	)	PUNCT
ajfa-918	189	20	ignorance	ignorance	NOUN
ajfa-918	189	21	to	to	ADP
ajfa-918	189	22	financial	financial	ADJ
ajfa-918	189	23	teachings	teaching	NOUN
ajfa-918	189	24	of	of	ADP
ajfa-918	189	25	islam	islam	PROPN
ajfa-918	189	26	5	5	NUM
ajfa-918	189	27	)	)	PUNCT
ajfa-918	189	28	location	location	NOUN
ajfa-918	189	29	of	of	ADP
ajfa-918	189	30	banks	bank	NOUN
ajfa-918	189	31	5	5	NUM
ajfa-918	189	32	.	.	PUNCT
ajfa-918	189	33	conclusion	conclusion	NOUN
ajfa-918	189	34	there	there	PRON
ajfa-918	189	35	has	have	AUX
ajfa-918	189	36	been	be	AUX
ajfa-918	189	37	a	a	DET
ajfa-918	189	38	tremendous	tremendous	ADJ
ajfa-918	189	39	growth	growth	NOUN
ajfa-918	189	40	in	in	ADP
ajfa-918	189	41	ib	ib	PROPN
ajfa-918	189	42	all	all	ADV
ajfa-918	189	43	over	over	ADP
ajfa-918	189	44	the	the	DET
ajfa-918	189	45	entire	entire	ADJ
ajfa-918	189	46	world	world	NOUN
ajfa-918	189	47	especially	especially	ADV
ajfa-918	189	48	in	in	ADP
ajfa-918	189	49	muslim	muslim	ADJ
ajfa-918	189	50	countries	country	NOUN
ajfa-918	189	51	.	.	PUNCT
ajfa-918	190	1	pakistan	pakistan	PROPN
ajfa-918	190	2	is	be	AUX
ajfa-918	190	3	the	the	DET
ajfa-918	190	4	second	second	ADV
ajfa-918	190	5	largest	large	ADJ
ajfa-918	190	6	islamic	islamic	ADJ
ajfa-918	190	7	country	country	NOUN
ajfa-918	190	8	in	in	ADP
ajfa-918	190	9	the	the	DET
ajfa-918	190	10	world	world	NOUN
ajfa-918	190	11	in	in	ADP
ajfa-918	190	12	terms	term	NOUN
ajfa-918	190	13	of	of	ADP
ajfa-918	190	14	population	population	NOUN
ajfa-918	190	15	,	,	PUNCT
ajfa-918	190	16	boasting	boast	VERB
ajfa-918	190	17	over	over	ADP
ajfa-918	190	18	98	98	NUM
ajfa-918	190	19	%	%	NOUN
ajfa-918	190	20	muslim	muslim	ADJ
ajfa-918	190	21	population	population	NOUN
ajfa-918	190	22	.	.	PUNCT
ajfa-918	191	1	although	although	SCONJ
ajfa-918	191	2	concept	concept	NOUN
ajfa-918	191	3	of	of	ADP
ajfa-918	191	4	ib	ib	PROPN
ajfa-918	191	5	in	in	ADP
ajfa-918	191	6	pakistan	pakistan	PROPN
ajfa-918	191	7	traces	trace	VERB
ajfa-918	191	8	its	its	PRON
ajfa-918	191	9	roots	root	NOUN
ajfa-918	191	10	back	back	ADV
ajfa-918	191	11	to	to	ADP
ajfa-918	191	12	late	late	ADJ
ajfa-918	191	13	70s	70	NOUN
ajfa-918	191	14	,	,	PUNCT
ajfa-918	191	15	still	still	ADV
ajfa-918	191	16	share	share	VERB
ajfa-918	191	17	of	of	ADP
ajfa-918	191	18	ib	ib	PROPN
ajfa-918	191	19	is	be	AUX
ajfa-918	191	20	modest	modest	ADJ
ajfa-918	191	21	i.e.	i.e.	X
ajfa-918	191	22	6.4	6.4	NUM
ajfa-918	191	23	%	%	NOUN
ajfa-918	191	24	.	.	PUNCT
ajfa-918	192	1	it	it	PRON
ajfa-918	192	2	still	still	ADV
ajfa-918	192	3	remains	remain	VERB
ajfa-918	192	4	a	a	DET
ajfa-918	192	5	surprise	surprise	NOUN
ajfa-918	192	6	why	why	SCONJ
ajfa-918	192	7	has	have	AUX
ajfa-918	192	8	islamic	islamic	ADJ
ajfa-918	192	9	banking	banking	NOUN
ajfa-918	192	10	not	not	PART
ajfa-918	192	11	touched	touch	VERB
ajfa-918	192	12	the	the	DET
ajfa-918	192	13	heights	height	NOUN
ajfa-918	192	14	as	as	SCONJ
ajfa-918	192	15	expected	expect	VERB
ajfa-918	192	16	?	?	PUNCT
ajfa-918	193	1	the	the	DET
ajfa-918	193	2	researcher	researcher	NOUN
ajfa-918	193	3	has	have	AUX
ajfa-918	193	4	tried	try	VERB
ajfa-918	193	5	to	to	PART
ajfa-918	193	6	debate	debate	VERB
ajfa-918	193	7	on	on	ADP
ajfa-918	193	8	this	this	DET
ajfa-918	193	9	issue	issue	NOUN
ajfa-918	193	10	as	as	ADP
ajfa-918	193	11	a	a	DET
ajfa-918	193	12	banker	banker	NOUN
ajfa-918	193	13	.	.	PUNCT
ajfa-918	194	1	according	accord	VERB
ajfa-918	194	2	to	to	ADP
ajfa-918	194	3	this	this	DET
ajfa-918	194	4	study	study	NOUN
ajfa-918	194	5	there	there	PRON
ajfa-918	194	6	are	be	VERB
ajfa-918	194	7	number	number	NOUN
ajfa-918	194	8	of	of	ADP
ajfa-918	194	9	factors	factor	NOUN
ajfa-918	194	10	contributing	contribute	VERB
ajfa-918	194	11	in	in	ADP
ajfa-918	194	12	the	the	DET
ajfa-918	194	13	slow	slow	ADJ
ajfa-918	194	14	progress	progress	NOUN
ajfa-918	194	15	of	of	ADP
ajfa-918	194	16	ib	ib	PROPN
ajfa-918	194	17	i.e.	i.e.	X
ajfa-918	194	18	small	small	ADJ
ajfa-918	194	19	network	network	NOUN
ajfa-918	194	20	of	of	ADP
ajfa-918	194	21	branches	branch	NOUN
ajfa-918	194	22	,	,	PUNCT
ajfa-918	194	23	inadequate	inadequate	ADJ
ajfa-918	194	24	info	info	NOUN
ajfa-918	194	25	about	about	ADP
ajfa-918	194	26	islamic	islamic	ADJ
ajfa-918	194	27	banking	banking	NOUN
ajfa-918	194	28	services	service	NOUN
ajfa-918	194	29	,	,	PUNCT
ajfa-918	194	30	ignorance	ignorance	NOUN
ajfa-918	194	31	to	to	ADP
ajfa-918	194	32	financial	financial	ADJ
ajfa-918	194	33	teachings	teaching	NOUN
ajfa-918	194	34	of	of	ADP
ajfa-918	194	35	islam	islam	PROPN
ajfa-918	194	36	,	,	PUNCT
ajfa-918	194	37	trust	trust	NOUN
ajfa-918	194	38	deficiency	deficiency	NOUN
ajfa-918	194	39	towards	towards	ADP
ajfa-918	194	40	interest	interest	NOUN
ajfa-918	194	41	free	free	ADJ
ajfa-918	194	42	banking	banking	NOUN
ajfa-918	194	43	,	,	PUNCT
ajfa-918	194	44	location	location	NOUN
ajfa-918	194	45	of	of	ADP
ajfa-918	194	46	banks	bank	NOUN
ajfa-918	194	47	and	and	CCONJ
ajfa-918	194	48	shortage	shortage	NOUN
ajfa-918	194	49	of	of	ADP
ajfa-918	194	50	experienced	experienced	ADJ
ajfa-918	194	51	and	and	CCONJ
ajfa-918	194	52	qualified	qualified	ADJ
ajfa-918	194	53	staff	staff	NOUN
ajfa-918	194	54	.	.	PUNCT
ajfa-918	195	1	the	the	DET
ajfa-918	195	2	findings	finding	NOUN
ajfa-918	195	3	of	of	ADP
ajfa-918	195	4	this	this	DET
ajfa-918	195	5	study	study	NOUN
ajfa-918	195	6	reveal	reveal	VERB
ajfa-918	195	7	that	that	SCONJ
ajfa-918	195	8	people	people	NOUN
ajfa-918	195	9	have	have	VERB
ajfa-918	195	10	serious	serious	ADJ
ajfa-918	195	11	reservations	reservation	NOUN
ajfa-918	195	12	about	about	ADP
ajfa-918	195	13	the	the	DET
ajfa-918	195	14	truly	truly	ADV
ajfa-918	195	15	islamic	islamic	ADJ
ajfa-918	195	16	nature	nature	NOUN
ajfa-918	195	17	of	of	ADP
ajfa-918	195	18	ib	ib	NOUN
ajfa-918	195	19	and	and	CCONJ
ajfa-918	195	20	they	they	PRON
ajfa-918	195	21	do	do	AUX
ajfa-918	195	22	n’t	not	PART
ajfa-918	195	23	consider	consider	VERB
ajfa-918	195	24	current	current	ADJ
ajfa-918	195	25	ib	ib	NOUN
ajfa-918	195	26	according	accord	VERB
ajfa-918	195	27	to	to	ADP
ajfa-918	195	28	the	the	DET
ajfa-918	195	29	true	true	ADJ
ajfa-918	195	30	teachings	teaching	NOUN
ajfa-918	195	31	of	of	ADP
ajfa-918	195	32	islam	islam	PROPN
ajfa-918	195	33	.	.	PUNCT
ajfa-918	196	1	sbp	sbp	PROPN
ajfa-918	196	2	being	be	AUX
ajfa-918	196	3	the	the	DET
ajfa-918	196	4	regulator	regulator	NOUN
ajfa-918	196	5	of	of	ADP
ajfa-918	196	6	all	all	DET
ajfa-918	196	7	financial	financial	ADJ
ajfa-918	196	8	activities	activity	NOUN
ajfa-918	196	9	in	in	ADP
ajfa-918	196	10	pakistan	pakistan	PROPN
ajfa-918	196	11	needs	need	NOUN
ajfa-918	196	12	to	to	PART
ajfa-918	196	13	revaluate	revaluate	VERB
ajfa-918	196	14	its	its	PRON
ajfa-918	196	15	regulatory	regulatory	ADJ
ajfa-918	196	16	and	and	CCONJ
ajfa-918	196	17	supervisory	supervisory	ADJ
ajfa-918	196	18	role	role	NOUN
ajfa-918	196	19	.	.	PUNCT
ajfa-918	197	1	although	although	SCONJ
ajfa-918	197	2	sbp	sbp	PROPN
ajfa-918	197	3	have	have	AUX
ajfa-918	197	4	taken	take	VERB
ajfa-918	197	5	several	several	ADJ
ajfa-918	197	6	steps	step	NOUN
ajfa-918	197	7	including	include	VERB
ajfa-918	197	8	establishment	establishment	NOUN
ajfa-918	197	9	of	of	ADP
ajfa-918	197	10	its	its	PRON
ajfa-918	197	11	shariah	shariah	PROPN
ajfa-918	197	12	board	board	NOUN
ajfa-918	197	13	for	for	ADP
ajfa-918	197	14	compliance	compliance	NOUN
ajfa-918	197	15	to	to	ADP
ajfa-918	197	16	sharia	sharia	PROPN
ajfa-918	197	17	laws	law	NOUN
ajfa-918	197	18	.	.	PUNCT
ajfa-918	198	1	however	however	ADV
ajfa-918	198	2	,	,	PUNCT
ajfa-918	198	3	lot	lot	NOUN
ajfa-918	198	4	of	of	ADP
ajfa-918	198	5	work	work	NOUN
ajfa-918	198	6	needs	need	VERB
ajfa-918	198	7	to	to	PART
ajfa-918	198	8	be	be	AUX
ajfa-918	198	9	done	do	VERB
ajfa-918	198	10	in	in	ADP
ajfa-918	198	11	this	this	DET
ajfa-918	198	12	regard	regard	NOUN
ajfa-918	198	13	.	.	PUNCT
ajfa-918	199	1	the	the	DET
ajfa-918	199	2	results	result	NOUN
ajfa-918	199	3	of	of	ADP
ajfa-918	199	4	this	this	DET
ajfa-918	199	5	research	research	NOUN
ajfa-918	199	6	also	also	ADV
ajfa-918	199	7	identify	identify	VERB
ajfa-918	199	8	the	the	DET
ajfa-918	199	9	need	need	NOUN
ajfa-918	199	10	of	of	ADP
ajfa-918	199	11	more	more	ADJ
ajfa-918	199	12	work	work	NOUN
ajfa-918	199	13	for	for	ADP
ajfa-918	199	14	existing	exist	VERB
ajfa-918	199	15	islamic	islamic	ADJ
ajfa-918	199	16	banks	bank	NOUN
ajfa-918	199	17	to	to	PART
ajfa-918	199	18	make	make	VERB
ajfa-918	199	19	their	their	PRON
ajfa-918	199	20	products	product	NOUN
ajfa-918	199	21	acceptable	acceptable	ADJ
ajfa-918	199	22	for	for	ADP
ajfa-918	199	23	common	common	ADJ
ajfa-918	199	24	man	man	NOUN
ajfa-918	199	25	.	.	PUNCT
ajfa-918	200	1	while	while	SCONJ
ajfa-918	200	2	each	each	DET
ajfa-918	200	3	islamic	islamic	PROPN
ajfa-918	200	4	bank	bank	PROPN
ajfa-918	200	5	has	have	AUX
ajfa-918	200	6	appointed	appoint	VERB
ajfa-918	200	7	shariah	shariah	PROPN
ajfa-918	200	8	advisor	advisor	PROPN
ajfa-918	200	9	,	,	PUNCT
ajfa-918	200	10	responsible	responsible	ADJ
ajfa-918	200	11	for	for	ADP
ajfa-918	200	12	shariah	shariah	PROPN
ajfa-918	200	13	compliance	compliance	NOUN
ajfa-918	200	14	matters	matter	NOUN
ajfa-918	200	15	.	.	PUNCT
ajfa-918	201	1	but	but	CCONJ
ajfa-918	201	2	its	its	PRON
ajfa-918	201	3	role	role	NOUN
ajfa-918	201	4	needs	need	VERB
ajfa-918	201	5	to	to	PART
ajfa-918	201	6	be	be	AUX
ajfa-918	201	7	looked	look	VERB
ajfa-918	201	8	at	at	ADP
ajfa-918	201	9	.	.	PUNCT
ajfa-918	202	1	marketing	marketing	NOUN
ajfa-918	202	2	strategies	strategy	NOUN
ajfa-918	202	3	of	of	ADP
ajfa-918	202	4	islamic	islamic	ADJ
ajfa-918	202	5	banks	bank	NOUN
ajfa-918	202	6	may	may	AUX
ajfa-918	202	7	be	be	AUX
ajfa-918	202	8	partially	partially	ADV
ajfa-918	202	9	held	hold	VERB
ajfa-918	202	10	responsible	responsible	ADJ
ajfa-918	202	11	for	for	ADP
ajfa-918	202	12	low	low	ADJ
ajfa-918	202	13	market	market	NOUN
ajfa-918	202	14	share	share	NOUN
ajfa-918	202	15	.	.	PUNCT
ajfa-918	203	1	existing	exist	VERB
ajfa-918	203	2	marketing	marketing	NOUN
ajfa-918	203	3	approaches	approach	NOUN
ajfa-918	203	4	need	need	VERB
ajfa-918	203	5	to	to	PART
ajfa-918	203	6	revamp	revamp	VERB
ajfa-918	203	7	and	and	CCONJ
ajfa-918	203	8	islamic	islamic	ADJ
ajfa-918	203	9	banks	bank	NOUN
ajfa-918	203	10	need	need	VERB
ajfa-918	203	11	to	to	PART
ajfa-918	203	12	come	come	VERB
ajfa-918	203	13	up	up	ADP
ajfa-918	203	14	with	with	ADP
ajfa-918	203	15	new	new	ADJ
ajfa-918	203	16	marketing	marketing	NOUN
ajfa-918	203	17	ideas	idea	NOUN
ajfa-918	203	18	to	to	PART
ajfa-918	203	19	attract	attract	VERB
ajfa-918	203	20	more	more	ADJ
ajfa-918	203	21	customers	customer	NOUN
ajfa-918	203	22	.	.	PUNCT
ajfa-918	204	1	islamic	islamic	ADJ
ajfa-918	204	2	banks	bank	NOUN
ajfa-918	204	3	should	should	AUX
ajfa-918	204	4	try	try	VERB
ajfa-918	204	5	to	to	PART
ajfa-918	204	6	reach	reach	VERB
ajfa-918	204	7	more	more	ADJ
ajfa-918	204	8	people	people	NOUN
ajfa-918	204	9	by	by	ADP
ajfa-918	204	10	opening	open	VERB
ajfa-918	204	11	more	more	ADJ
ajfa-918	204	12	branches	branch	NOUN
ajfa-918	204	13	and	and	CCONJ
ajfa-918	204	14	it	it	PRON
ajfa-918	204	15	will	will	AUX
ajfa-918	204	16	certainly	certainly	ADV
ajfa-918	204	17	increase	increase	VERB
ajfa-918	204	18	public	public	ADJ
ajfa-918	204	19	confidence	confidence	NOUN
ajfa-918	204	20	on	on	ADP
ajfa-918	204	21	them	they	PRON
ajfa-918	204	22	.	.	PUNCT
ajfa-918	205	1	islamic	islamic	ADJ
ajfa-918	205	2	banks	bank	NOUN
ajfa-918	205	3	need	need	VERB
ajfa-918	205	4	to	to	PART
ajfa-918	205	5	expedite	expedite	VERB
ajfa-918	205	6	their	their	PRON
ajfa-918	205	7	expansion	expansion	NOUN
ajfa-918	205	8	plans	plan	NOUN
ajfa-918	205	9	.	.	PUNCT
ajfa-918	206	1	in	in	ADP
ajfa-918	206	2	addition	addition	NOUN
ajfa-918	206	3	to	to	ADP
ajfa-918	206	4	this	this	DET
ajfa-918	206	5	banks	bank	NOUN
ajfa-918	206	6	need	need	VERB
ajfa-918	206	7	to	to	PART
ajfa-918	206	8	train	train	VERB
ajfa-918	206	9	their	their	PRON
ajfa-918	206	10	existing	exist	VERB
ajfa-918	206	11	staff	staff	NOUN
ajfa-918	206	12	to	to	PART
ajfa-918	206	13	deal	deal	VERB
ajfa-918	206	14	with	with	ADP
ajfa-918	206	15	ib	ib	NOUN
ajfa-918	206	16	products	product	NOUN
ajfa-918	206	17	.	.	PUNCT
ajfa-918	207	1	workshops	workshop	NOUN
ajfa-918	207	2	,	,	PUNCT
ajfa-918	207	3	training	training	NOUN
ajfa-918	207	4	sessions	session	NOUN
ajfa-918	207	5	and	and	CCONJ
ajfa-918	207	6	seminars	seminar	NOUN
ajfa-918	207	7	are	be	AUX
ajfa-918	207	8	good	good	ADJ
ajfa-918	207	9	way	way	NOUN
ajfa-918	207	10	to	to	PART
ajfa-918	207	11	overcome	overcome	VERB
ajfa-918	207	12	the	the	DET
ajfa-918	207	13	lack	lack	NOUN
ajfa-918	207	14	of	of	ADP
ajfa-918	207	15	qualified	qualified	ADJ
ajfa-918	207	16	personnel	personnel	NOUN
ajfa-918	207	17	.	.	PUNCT
ajfa-918	208	1	the	the	DET
ajfa-918	208	2	results	result	NOUN
ajfa-918	208	3	of	of	ADP
ajfa-918	208	4	this	this	DET
ajfa-918	208	5	study	study	NOUN
ajfa-918	208	6	provide	provide	VERB
ajfa-918	208	7	some	some	DET
ajfa-918	208	8	useful	useful	ADJ
ajfa-918	208	9	insight	insight	NOUN
ajfa-918	208	10	into	into	ADP
ajfa-918	208	11	the	the	DET
ajfa-918	208	12	hurdles	hurdle	NOUN
ajfa-918	208	13	faced	face	VERB
ajfa-918	208	14	by	by	ADP
ajfa-918	208	15	ib	ib	NOUN
ajfa-918	208	16	industry	industry	NOUN
ajfa-918	208	17	and	and	CCONJ
ajfa-918	208	18	it	it	PRON
ajfa-918	208	19	will	will	AUX
ajfa-918	208	20	pave	pave	VERB
ajfa-918	208	21	the	the	DET
ajfa-918	208	22	way	way	NOUN
ajfa-918	208	23	for	for	ADP
ajfa-918	208	24	further	further	ADJ
ajfa-918	208	25	research	research	NOUN
ajfa-918	208	26	in	in	ADP
ajfa-918	208	27	this	this	DET
ajfa-918	208	28	area	area	NOUN
ajfa-918	208	29	involving	involve	VERB
ajfa-918	208	30	different	different	ADJ
ajfa-918	208	31	stakeholders	stakeholder	NOUN
ajfa-918	208	32	’	'	PUNCT
ajfa-918	208	33	opinion	opinion	NOUN
ajfa-918	208	34	and	and	CCONJ
ajfa-918	208	35	their	their	PRON
ajfa-918	208	36	demographic	demographic	ADJ
ajfa-918	208	37	variables	variable	NOUN
ajfa-918	208	38	.	.	PUNCT
ajfa-918	209	1	references	reference	NOUN
ajfa-918	209	2	abduh	abduh	ADJ
ajfa-918	209	3	,	,	PUNCT
ajfa-918	209	4	muhamad	muhamad	PROPN
ajfa-918	209	5	and	and	CCONJ
ajfa-918	209	6	omar	omar	PROPN
ajfa-918	209	7	,	,	PUNCT
ajfa-918	209	8	mohd	mohd	PROPN
ajfa-918	209	9	.	.	PUNCT
ajfa-918	210	1	azmi	azmi	PROPN
ajfa-918	210	2	.	.	PUNCT
ajfa-918	211	1	(	(	PUNCT
ajfa-918	211	2	2010	2010	NUM
ajfa-918	211	3	)	)	PUNCT
ajfa-918	211	4	.	.	PUNCT
ajfa-918	212	1	who	who	PRON
ajfa-918	212	2	patronizes	patronize	VERB
ajfa-918	212	3	islamic	islamic	ADJ
ajfa-918	212	4	banks	bank	NOUN
ajfa-918	212	5	in	in	ADP
ajfa-918	212	6	indonesia	indonesia	PROPN
ajfa-918	212	7	,	,	PUNCT
ajfa-918	212	8	australian	australian	ADJ
ajfa-918	212	9	journal	journal	NOUN
ajfa-918	212	10	of	of	ADP
ajfa-918	212	11	islamic	islamic	PROPN
ajfa-918	212	12	law	law	PROPN
ajfa-918	212	13	,	,	PUNCT
ajfa-918	212	14	management	management	NOUN
ajfa-918	212	15	and	and	CCONJ
ajfa-918	212	16	finance	finance	NOUN
ajfa-918	212	17	,	,	PUNCT
ajfa-918	212	18	vol	vol	NOUN
ajfa-918	212	19	.	.	PROPN
ajfa-918	212	20	1	1	NUM
ajfa-918	213	1	no	no	NOUN
ajfa-918	213	2	.	.	NOUN
ajfa-918	213	3	1	1	NUM
ajfa-918	213	4	,	,	PUNCT
ajfa-918	213	5	pp.48	pp.48	NOUN
ajfa-918	213	6	-	-	PUNCT
ajfa-918	213	7	63	63	NUM
ajfa-918	213	8	.	.	PUNCT
ajfa-918	214	1	abdullah	abdullah	PROPN
ajfa-918	214	2	,	,	PUNCT
ajfa-918	214	3	n.	n.	PROPN
ajfa-918	214	4	i.	i.	PROPN
ajfa-918	214	5	,	,	PUNCT
ajfa-918	214	6	dusuki	dusuki	PROPN
ajfa-918	214	7	,	,	PUNCT
ajfa-918	214	8	a.	a.	PROPN
ajfa-918	214	9	w.	w.	PROPN
ajfa-918	214	10	(	(	PUNCT
ajfa-918	214	11	2007	2007	NUM
ajfa-918	214	12	)	)	PUNCT
ajfa-918	214	13	.	.	PUNCT
ajfa-918	215	1	why	why	SCONJ
ajfa-918	215	2	do	do	AUX
ajfa-918	215	3	malaysian	malaysian	ADJ
ajfa-918	215	4	customers	customer	NOUN
ajfa-918	215	5	patronise	patronise	VERB
ajfa-918	215	6	islamic	islamic	ADJ
ajfa-918	215	7	banks	bank	NOUN
ajfa-918	215	8	?	?	PUNCT
ajfa-918	216	1	international	international	ADJ
ajfa-918	216	2	journal	journal	NOUN
ajfa-918	216	3	of	of	ADP
ajfa-918	216	4	bank	bank	PROPN
ajfa-918	216	5	marketing	marketing	NOUN
ajfa-918	216	6	25	25	NUM
ajfa-918	216	7	,	,	PUNCT
ajfa-918	216	8	142	142	NUM
ajfa-918	216	9	-	-	SYM
ajfa-918	216	10	160	160	NUM
ajfa-918	216	11	.	.	PUNCT
ajfa-918	217	1	http://dx.doi.org/10.1108/02652320710739850	http://dx.doi.org/10.1108/02652320710739850	PROPN
ajfa-918	217	2	al	al	PROPN
ajfa-918	217	3	-	-	PUNCT
ajfa-918	217	4	ajmi	ajmi	PROPN
ajfa-918	217	5	,	,	PUNCT
ajfa-918	217	6	j.	j.	PROPN
ajfa-918	217	7	,	,	PUNCT
ajfa-918	217	8	hussain	hussain	PROPN
ajfa-918	217	9	,	,	PUNCT
ajfa-918	217	10	h.	h.	PROPN
ajfa-918	217	11	a.	a.	PROPN
ajfa-918	217	12	,	,	PUNCT
ajfa-918	217	13	and	and	CCONJ
ajfa-918	217	14	al	al	PROPN
ajfa-918	217	15	-	-	PUNCT
ajfa-918	217	16	saleh	saleh	PROPN
ajfa-918	217	17	,	,	PUNCT
ajfa-918	217	18	n.	n.	PROPN
ajfa-918	217	19	(	(	PUNCT
ajfa-918	217	20	2009	2009	NUM
ajfa-918	217	21	)	)	PUNCT
ajfa-918	217	22	.	.	PUNCT
ajfa-918	218	1	clients	client	NOUN
ajfa-918	218	2	of	of	ADP
ajfa-918	218	3	conventional	conventional	ADJ
ajfa-918	218	4	and	and	CCONJ
ajfa-918	218	5	islamic	islamic	ADJ
ajfa-918	218	6	banks	bank	NOUN
ajfa-918	218	7	in	in	ADP
ajfa-918	218	8	bahrain	bahrain	NOUN
ajfa-918	218	9	how	how	SCONJ
ajfa-918	218	10	they	they	PRON
ajfa-918	218	11	choose	choose	VERB
ajfa-918	218	12	which	which	DET
ajfa-918	218	13	bank	bank	NOUN
ajfa-918	218	14	to	to	PART
ajfa-918	218	15	patronize	patronize	VERB
ajfa-918	218	16	.	.	PUNCT
ajfa-918	219	1	international	international	ADJ
ajfa-918	219	2	journal	journal	PROPN
ajfa-918	219	3	of	of	ADP
ajfa-918	219	4	social	social	ADJ
ajfa-918	219	5	asian	asian	ADJ
ajfa-918	219	6	journal	journal	NOUN
ajfa-918	219	7	of	of	ADP
ajfa-918	219	8	finance	finance	PROPN
ajfa-918	219	9	&	&	CCONJ
ajfa-918	219	10	accounting	accounting	PROPN
ajfa-918	219	11	issn	issn	PROPN
ajfa-918	219	12	1946	1946	NUM
ajfa-918	219	13	-	-	PUNCT
ajfa-918	219	14	052x	052x	NOUN
ajfa-918	219	15	2011	2011	NUM
ajfa-918	219	16	,	,	PUNCT
ajfa-918	219	17	vol	vol	NOUN
ajfa-918	219	18	.	.	PROPN
ajfa-918	220	1	3	3	NUM
ajfa-918	220	2	,	,	PUNCT
ajfa-918	220	3	no	no	INTJ
ajfa-918	220	4	.	.	NOUN
ajfa-918	220	5	1	1	NUM
ajfa-918	220	6	:	:	PUNCT
ajfa-918	220	7	e4	e4	PROPN
ajfa-918	220	8	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-918	220	9	70	70	NUM
ajfa-918	220	10	economics	economic	NOUN
ajfa-918	220	11	36	36	NUM
ajfa-918	220	12	,	,	PUNCT
ajfa-918	220	13	1086	1086	NUM
ajfa-918	220	14	-	-	SYM
ajfa-918	220	15	1112	1112	NUM
ajfa-918	220	16	.	.	PUNCT
ajfa-918	221	1	http://dx.doi.org/10.1108/03068290910992642	http://dx.doi.org/10.1108/03068290910992642	PROPN
ajfa-918	221	2	awan	awan	PROPN
ajfa-918	221	3	,	,	PUNCT
ajfa-918	221	4	a.	a.	NOUN
ajfa-918	221	5	g.	g.	PROPN
ajfa-918	221	6	(	(	PUNCT
ajfa-918	221	7	2009	2009	NUM
ajfa-918	221	8	)	)	PUNCT
ajfa-918	221	9	.	.	PUNCT
ajfa-918	222	1	comparison	comparison	NOUN
ajfa-918	222	2	of	of	ADP
ajfa-918	222	3	islamic	islamic	ADJ
ajfa-918	222	4	and	and	CCONJ
ajfa-918	222	5	conventional	conventional	ADJ
ajfa-918	222	6	banking	banking	NOUN
ajfa-918	222	7	in	in	ADP
ajfa-918	222	8	pakistan	pakistan	PROPN
ajfa-918	222	9	,	,	PUNCT
ajfa-918	222	10	paper	paper	NOUN
ajfa-918	222	11	presented	present	VERB
ajfa-918	222	12	at	at	ADP
ajfa-918	222	13	2nd	2nd	PROPN
ajfa-918	222	14	cbrc	cbrc	NOUN
ajfa-918	222	15	,	,	PUNCT
ajfa-918	222	16	14	14	NUM
ajfa-918	222	17	november	november	NOUN
ajfa-918	222	18	,	,	PUNCT
ajfa-918	222	19	lahore	lahore	PROPN
ajfa-918	222	20	,	,	PUNCT
ajfa-918	222	21	pakistan	pakistan	PROPN
ajfa-918	222	22	,	,	PUNCT
ajfa-918	222	23	available	available	ADJ
ajfa-918	222	24	at	at	ADP
ajfa-918	222	25	:	:	PUNCT
ajfa-918	222	26	http://www.ciitlahore.edu.pk/pl/abrc/proceedings/proceedings.htm	http://www.ciitlahore.edu.pk/pl/abrc/proceedings/proceedings.htm	X
ajfa-918	222	27	(	(	PUNCT
ajfa-918	222	28	20	20	NUM
ajfa-918	222	29	november	november	PROPN
ajfa-918	222	30	2010	2010	NUM
ajfa-918	222	31	)	)	PUNCT
ajfa-918	222	32	.	.	PUNCT
ajfa-918	223	1	erol	erol	PROPN
ajfa-918	223	2	,	,	PUNCT
ajfa-918	223	3	c.	c.	PROPN
ajfa-918	223	4	,	,	PUNCT
ajfa-918	223	5	el	el	PROPN
ajfa-918	223	6	-	-	PUNCT
ajfa-918	223	7	bdour	bdour	NOUN
ajfa-918	223	8	,	,	PUNCT
ajfa-918	223	9	r.	r.	PROPN
ajfa-918	223	10	(	(	PUNCT
ajfa-918	223	11	1989	1989	NUM
ajfa-918	223	12	)	)	PUNCT
ajfa-918	223	13	.	.	PUNCT
ajfa-918	224	1	attitude	attitude	NOUN
ajfa-918	224	2	,	,	PUNCT
ajfa-918	224	3	behaviour	behaviour	NOUN
ajfa-918	224	4	and	and	CCONJ
ajfa-918	224	5	patronage	patronage	NOUN
ajfa-918	224	6	factors	factor	NOUN
ajfa-918	224	7	of	of	ADP
ajfa-918	224	8	bank	bank	NOUN
ajfa-918	224	9	customers	customer	NOUN
ajfa-918	224	10	towards	towards	ADP
ajfa-918	224	11	islamic	islamic	ADJ
ajfa-918	224	12	banks	bank	NOUN
ajfa-918	224	13	.	.	PUNCT
ajfa-918	225	1	international	international	ADJ
ajfa-918	225	2	journal	journal	PROPN
ajfa-918	225	3	of	of	ADP
ajfa-918	225	4	bank	bank	PROPN
ajfa-918	225	5	marketing	marketing	NOUN
ajfa-918	225	6	7	7	NUM
ajfa-918	225	7	,	,	PUNCT
ajfa-918	225	8	31	31	NUM
ajfa-918	225	9	-	-	SYM
ajfa-918	225	10	37	37	NUM
ajfa-918	225	11	.	.	PUNCT
ajfa-918	226	1	http://dx.doi.org/10.1108/02652328910132060	http://dx.doi.org/10.1108/02652328910132060	PROPN
ajfa-918	226	2	gerrard	gerrard	PROPN
ajfa-918	226	3	,	,	PUNCT
ajfa-918	226	4	p.	p.	PROPN
ajfa-918	226	5	,	,	PUNCT
ajfa-918	226	6	cunningham	cunningham	PROPN
ajfa-918	226	7	,	,	PUNCT
ajfa-918	226	8	j.b	j.b	PROPN
ajfa-918	226	9	.	.	PROPN
ajfa-918	226	10	,	,	PUNCT
ajfa-918	226	11	(	(	PUNCT
ajfa-918	226	12	1997	1997	NUM
ajfa-918	226	13	)	)	PUNCT
ajfa-918	226	14	.	.	PUNCT
ajfa-918	227	1	islamic	islamic	ADJ
ajfa-918	227	2	banking	banking	PROPN
ajfa-918	227	3	:	:	PUNCT
ajfa-918	227	4	a	a	DET
ajfa-918	227	5	study	study	NOUN
ajfa-918	227	6	in	in	ADP
ajfa-918	227	7	singapore	singapore	PROPN
ajfa-918	227	8	.	.	PUNCT
ajfa-918	228	1	international	international	ADJ
ajfa-918	228	2	journal	journal	PROPN
ajfa-918	228	3	of	of	ADP
ajfa-918	228	4	bank	bank	PROPN
ajfa-918	228	5	marketing	marketing	NOUN
ajfa-918	228	6	15	15	NUM
ajfa-918	228	7	,	,	PUNCT
ajfa-918	228	8	204	204	NUM
ajfa-918	228	9	-	-	SYM
ajfa-918	228	10	16	16	NUM
ajfa-918	228	11	.	.	PUNCT
ajfa-918	229	1	http://dx.doi.org/10.1108/02652329710184433	http://dx.doi.org/10.1108/02652329710184433	PROPN
ajfa-918	229	2	haque	haque	PROPN
ajfa-918	229	3	,	,	PUNCT
ajfa-918	229	4	a.	a.	PROPN
ajfa-918	229	5	,	,	PUNCT
ajfa-918	229	6	osman	osman	PROPN
ajfa-918	229	7	,	,	PUNCT
ajfa-918	229	8	j.	j.	PROPN
ajfa-918	229	9	,	,	PUNCT
ajfa-918	229	10	and	and	CCONJ
ajfa-918	229	11	ismail	ismail	NOUN
ajfa-918	229	12	,	,	PUNCT
ajfa-918	229	13	a.z.h	a.z.h	NOUN
ajfa-918	229	14	.	.	PUNCT
ajfa-918	229	15	(	(	PUNCT
ajfa-918	229	16	2009	2009	NUM
ajfa-918	229	17	)	)	PUNCT
ajfa-918	229	18	.	.	PUNCT
ajfa-918	230	1	factor	factor	NOUN
ajfa-918	230	2	influences	influence	VERB
ajfa-918	230	3	selection	selection	NOUN
ajfa-918	230	4	of	of	ADP
ajfa-918	230	5	islamic	islamic	ADJ
ajfa-918	230	6	banking	banking	NOUN
ajfa-918	230	7	:	:	PUNCT
ajfa-918	230	8	a	a	DET
ajfa-918	230	9	study	study	NOUN
ajfa-918	230	10	on	on	ADP
ajfa-918	230	11	malaysian	malaysian	ADJ
ajfa-918	230	12	customer	customer	NOUN
ajfa-918	230	13	preferences	preference	NOUN
ajfa-918	230	14	.	.	PUNCT
ajfa-918	231	1	american	american	ADJ
ajfa-918	231	2	journal	journal	PROPN
ajfa-918	231	3	of	of	ADP
ajfa-918	231	4	applied	apply	VERB
ajfa-918	231	5	sciences	science	NOUN
ajfa-918	231	6	6	6	NUM
ajfa-918	231	7	,	,	PUNCT
ajfa-918	231	8	922	922	NUM
ajfa-918	231	9	-	-	SYM
ajfa-918	231	10	928	928	NUM
ajfa-918	231	11	.	.	PUNCT
ajfa-918	232	1	http://dx.doi.org/10.3844/ajassp.2009.922.928	http://dx.doi.org/10.3844/ajassp.2009.922.928	PROPN
ajfa-918	232	2	hegazy	hegazy	PROPN
ajfa-918	232	3	,	,	PUNCT
ajfa-918	232	4	i.	i.	PROPN
ajfa-918	232	5	(	(	PUNCT
ajfa-918	232	6	1995	1995	NUM
ajfa-918	232	7	)	)	PUNCT
ajfa-918	232	8	.	.	PUNCT
ajfa-918	233	1	an	an	DET
ajfa-918	233	2	empirical	empirical	ADJ
ajfa-918	233	3	comparative	comparative	ADJ
ajfa-918	233	4	study	study	NOUN
ajfa-918	233	5	between	between	ADP
ajfa-918	233	6	islamic	islamic	ADJ
ajfa-918	233	7	and	and	CCONJ
ajfa-918	233	8	commercial	commercial	ADJ
ajfa-918	233	9	banks	bank	NOUN
ajfa-918	233	10	’	'	PUNCT
ajfa-918	233	11	selection	selection	NOUN
ajfa-918	233	12	criteria	criterion	NOUN
ajfa-918	233	13	in	in	ADP
ajfa-918	233	14	egypt	egypt	PROPN
ajfa-918	233	15	.	.	PUNCT
ajfa-918	234	1	international	international	ADJ
ajfa-918	234	2	journal	journal	PROPN
ajfa-918	234	3	of	of	ADP
ajfa-918	234	4	commerce	commerce	PROPN
ajfa-918	234	5	&	&	CCONJ
ajfa-918	234	6	management	management	PROPN
ajfa-918	234	7	5	5	NUM
ajfa-918	234	8	,	,	PUNCT
ajfa-918	234	9	46	46	NUM
ajfa-918	234	10	-	-	SYM
ajfa-918	234	11	61	61	NUM
ajfa-918	234	12	khattak	khattak	PROPN
ajfa-918	234	13	,	,	PUNCT
ajfa-918	234	14	n.a	n.a	PROPN
ajfa-918	234	15	.	.	PROPN
ajfa-918	234	16	,	,	PUNCT
ajfa-918	234	17	ur	ur	PROPN
ajfa-918	234	18	-	-	NOUN
ajfa-918	234	19	rehman	rehman	PROPN
ajfa-918	234	20	,	,	PUNCT
ajfa-918	234	21	k.	k.	PROPN
ajfa-918	234	22	(	(	PUNCT
ajfa-918	234	23	2010	2010	NUM
ajfa-918	234	24	)	)	PUNCT
ajfa-918	234	25	.	.	PUNCT
ajfa-918	235	1	customer	customer	NOUN
ajfa-918	235	2	satisfaction	satisfaction	NOUN
ajfa-918	235	3	and	and	CCONJ
ajfa-918	235	4	awareness	awareness	NOUN
ajfa-918	235	5	of	of	ADP
ajfa-918	235	6	islamic	islamic	ADJ
ajfa-918	235	7	banking	banking	NOUN
ajfa-918	235	8	system	system	NOUN
ajfa-918	235	9	in	in	ADP
ajfa-918	235	10	pakistan	pakistan	PROPN
ajfa-918	235	11	,	,	PUNCT
ajfa-918	235	12	african	african	ADJ
ajfa-918	235	13	journal	journal	NOUN
ajfa-918	235	14	of	of	ADP
ajfa-918	235	15	business	business	NOUN
ajfa-918	235	16	and	and	CCONJ
ajfa-918	235	17	management	management	NOUN
ajfa-918	235	18	4	4	NUM
ajfa-918	235	19	,	,	PUNCT
ajfa-918	235	20	662	662	NUM
ajfa-918	235	21	–	–	PUNCT
ajfa-918	235	22	671	671	NUM
ajfa-918	235	23	.	.	PUNCT
ajfa-918	236	1	mansour	mansour	PROPN
ajfa-918	236	2	,	,	PUNCT
ajfa-918	236	3	w.	w.	PROPN
ajfa-918	236	4	,	,	PUNCT
ajfa-918	236	5	abdelhamid	abdelhamid	PROPN
ajfa-918	236	6	,	,	PUNCT
ajfa-918	236	7	m.b	m.b	PROPN
ajfa-918	236	8	.	.	PROPN
ajfa-918	236	9	,	,	PUNCT
ajfa-918	236	10	masood	masood	PROPN
ajfa-918	236	11	,	,	PUNCT
ajfa-918	236	12	o.	o.	NOUN
ajfa-918	236	13	,	,	PUNCT
ajfa-918	236	14	and	and	CCONJ
ajfa-918	236	15	niazi	niazi	PROPN
ajfa-918	236	16	,	,	PUNCT
ajfa-918	236	17	g.s.k	g.s.k	NOUN
ajfa-918	236	18	.	.	PUNCT
ajfa-918	236	19	(	(	PUNCT
ajfa-918	236	20	2010	2010	NUM
ajfa-918	236	21	)	)	PUNCT
ajfa-918	236	22	.	.	PUNCT
ajfa-918	237	1	islamic	islamic	ADJ
ajfa-918	237	2	banking	banking	PROPN
ajfa-918	237	3	and	and	CCONJ
ajfa-918	237	4	customers	customer	NOUN
ajfa-918	237	5	’	'	PUNCT
ajfa-918	237	6	preferences	preference	NOUN
ajfa-918	237	7	:	:	PUNCT
ajfa-918	237	8	the	the	DET
ajfa-918	237	9	case	case	NOUN
ajfa-918	237	10	of	of	ADP
ajfa-918	237	11	the	the	DET
ajfa-918	237	12	uk	uk	PROPN
ajfa-918	237	13	.	.	PROPN
ajfa-918	237	14	qualitative	qualitative	ADJ
ajfa-918	237	15	research	research	NOUN
ajfa-918	237	16	in	in	ADP
ajfa-918	237	17	financial	financial	ADJ
ajfa-918	237	18	markets	market	NOUN
ajfa-918	237	19	2	2	NUM
ajfa-918	237	20	,	,	PUNCT
ajfa-918	237	21	185	185	NUM
ajfa-918	237	22	-	-	SYM
ajfa-918	237	23	199	199	NUM
ajfa-918	237	24	.	.	PUNCT
ajfa-918	238	1	http://dx.doi.org/10.1108/17554171011091746	http://dx.doi.org/10.1108/17554171011091746	PROPN
ajfa-918	238	2	moin	moin	PROPN
ajfa-918	238	3	,	,	PUNCT
ajfa-918	238	4	m.s	m.s	PROPN
ajfa-918	238	5	.	.	PROPN
ajfa-918	238	6	(	(	PUNCT
ajfa-918	238	7	2008	2008	NUM
ajfa-918	238	8	)	)	PUNCT
ajfa-918	238	9	.	.	PUNCT
ajfa-918	239	1	performance	performance	NOUN
ajfa-918	239	2	of	of	ADP
ajfa-918	239	3	islamic	islamic	ADJ
ajfa-918	239	4	banking	banking	NOUN
ajfa-918	239	5	and	and	CCONJ
ajfa-918	239	6	conventional	conventional	ADJ
ajfa-918	239	7	banking	banking	NOUN
ajfa-918	239	8	in	in	ADP
ajfa-918	239	9	pakistan	pakistan	PROPN
ajfa-918	239	10	:	:	PUNCT
ajfa-918	239	11	a	a	DET
ajfa-918	239	12	comparative	comparative	ADJ
ajfa-918	239	13	study	study	NOUN
ajfa-918	239	14	available	available	ADJ
ajfa-918	239	15	at	at	ADP
ajfa-918	239	16	:	:	PUNCT
ajfa-918	239	17	www.diva-portal.org/smash/get/diva2:113713/fulltext01	www.diva-portal.org/smash/get/diva2:113713/fulltext01	X
ajfa-918	239	18	(	(	PUNCT
ajfa-918	239	19	12	12	NUM
ajfa-918	239	20	november	november	NOUN
ajfa-918	239	21	2010	2010	NUM
ajfa-918	239	22	)	)	PUNCT
ajfa-918	239	23	.	.	PUNCT
ajfa-918	240	1	naser	naser	PROPN
ajfa-918	240	2	,	,	PUNCT
ajfa-918	240	3	k.	k.	PROPN
ajfa-918	240	4	,	,	PUNCT
ajfa-918	240	5	jamal	jamal	PROPN
ajfa-918	240	6	,	,	PUNCT
ajfa-918	240	7	a.	a.	PROPN
ajfa-918	240	8	,	,	PUNCT
ajfa-918	240	9	al	al	PROPN
ajfa-918	240	10	-	-	PUNCT
ajfa-918	240	11	khatib	khatib	PROPN
ajfa-918	240	12	,	,	PUNCT
ajfa-918	240	13	l.	l.	PROPN
ajfa-918	240	14	(	(	PUNCT
ajfa-918	240	15	1999	1999	NUM
ajfa-918	240	16	)	)	PUNCT
ajfa-918	240	17	.	.	PUNCT
ajfa-918	241	1	islamic	islamic	ADJ
ajfa-918	241	2	banking	banking	PROPN
ajfa-918	241	3	:	:	PUNCT
ajfa-918	241	4	a	a	DET
ajfa-918	241	5	study	study	NOUN
ajfa-918	241	6	of	of	ADP
ajfa-918	241	7	customer	customer	NOUN
ajfa-918	241	8	satisfaction	satisfaction	NOUN
ajfa-918	241	9	and	and	CCONJ
ajfa-918	241	10	preferences	preference	NOUN
ajfa-918	241	11	in	in	ADP
ajfa-918	241	12	jordan	jordan	PROPN
ajfa-918	241	13	.	.	PUNCT
ajfa-918	242	1	international	international	ADJ
ajfa-918	242	2	journal	journal	PROPN
ajfa-918	242	3	of	of	ADP
ajfa-918	242	4	bank	bank	PROPN
ajfa-918	242	5	marketing	marketing	NOUN
ajfa-918	242	6	17	17	NUM
ajfa-918	242	7	,	,	PUNCT
ajfa-918	242	8	135	135	NUM
ajfa-918	242	9	-	-	SYM
ajfa-918	242	10	50	50	NUM
ajfa-918	242	11	.	.	PUNCT
ajfa-918	243	1	http://dx.doi.org/10.1108/02652329910269275	http://dx.doi.org/10.1108/02652329910269275	PROPN
ajfa-918	243	2	quagraine	quagraine	PROPN
ajfa-918	243	3	,	,	PUNCT
ajfa-918	243	4	t.	t.	PROPN
ajfa-918	243	5	l.	l.	PROPN
ajfa-918	243	6	(	(	PUNCT
ajfa-918	243	7	2010	2010	NUM
ajfa-918	243	8	)	)	PUNCT
ajfa-918	243	9	.	.	PUNCT
ajfa-918	244	1	employee	employee	NOUN
ajfa-918	244	2	involvement	involvement	NOUN
ajfa-918	244	3	as	as	ADP
ajfa-918	244	4	an	an	DET
ajfa-918	244	5	effective	effective	ADJ
ajfa-918	244	6	management	management	NOUN
ajfa-918	244	7	tool	tool	NOUN
ajfa-918	244	8	in	in	ADP
ajfa-918	244	9	decision	decision	NOUN
ajfa-918	244	10	-	-	PUNCT
ajfa-918	244	11	making	making	NOUN
ajfa-918	244	12	:	:	PUNCT
ajfa-918	244	13	a	a	DET
ajfa-918	244	14	case	case	NOUN
ajfa-918	244	15	study	study	NOUN
ajfa-918	244	16	of	of	ADP
ajfa-918	244	17	merchant	merchant	NOUN
ajfa-918	244	18	bank	bank	PROPN
ajfa-918	244	19	(	(	PUNCT
ajfa-918	244	20	ghana	ghana	PROPN
ajfa-918	244	21	)	)	PUNCT
ajfa-918	244	22	limited	limited	ADJ
ajfa-918	244	23	.	.	PUNCT
ajfa-918	245	1	available	available	ADJ
ajfa-918	245	2	at	at	ADP
ajfa-918	245	3	:	:	PUNCT
ajfa-918	245	4	http://dspace.knust.edu.gh:8080/jspui/bitstream/123456789/877/1/theodosialamleyquagrain	http://dspace.knust.edu.gh:8080/jspui/bitstream/123456789/877/1/theodosialamleyquagrain	NOUN
ajfa-918	245	5	e.pdf	e.pdf	PROPN
ajfa-918	245	6	(	(	PUNCT
ajfa-918	245	7	09	09	NUM
ajfa-918	245	8	november	november	NOUN
ajfa-918	245	9	2010	2010	NUM
ajfa-918	245	10	)	)	PUNCT
ajfa-918	245	11	rammal	rammal	NOUN
ajfa-918	245	12	,	,	PUNCT
ajfa-918	245	13	h.	h.	PROPN
ajfa-918	245	14	,	,	PUNCT
ajfa-918	245	15	zurbrugg	zurbrugg	PROPN
ajfa-918	245	16	,	,	PUNCT
ajfa-918	245	17	r.	r.	PROPN
ajfa-918	245	18	(	(	PUNCT
ajfa-918	245	19	2007	2007	NUM
ajfa-918	245	20	)	)	PUNCT
ajfa-918	245	21	.	.	PUNCT
ajfa-918	246	1	awareness	awareness	NOUN
ajfa-918	246	2	of	of	ADP
ajfa-918	246	3	islamic	islamic	ADJ
ajfa-918	246	4	banking	banking	NOUN
ajfa-918	246	5	products	product	NOUN
ajfa-918	246	6	among	among	ADP
ajfa-918	246	7	muslims	muslim	NOUN
ajfa-918	246	8	:	:	PUNCT
ajfa-918	246	9	the	the	DET
ajfa-918	246	10	case	case	NOUN
ajfa-918	246	11	of	of	ADP
ajfa-918	246	12	australia	australia	PROPN
ajfa-918	246	13	.	.	PUNCT
ajfa-918	247	1	journal	journal	PROPN
ajfa-918	247	2	of	of	ADP
ajfa-918	247	3	financial	financial	ADJ
ajfa-918	247	4	services	service	NOUN
ajfa-918	247	5	marketing	market	VERB
ajfa-918	247	6	12	12	NUM
ajfa-918	247	7	,	,	PUNCT
ajfa-918	247	8	65	65	NUM
ajfa-918	247	9	-	-	SYM
ajfa-918	247	10	74	74	NUM
ajfa-918	247	11	.	.	PUNCT
ajfa-918	248	1	http://dx.doi.org/10.1057/palgrave.fsm.4760060	http://dx.doi.org/10.1057/palgrave.fsm.4760060	NOUN
ajfa-918	248	2	rashid	rashid	PROPN
ajfa-918	248	3	,	,	PUNCT
ajfa-918	248	4	m.	m.	NOUN
ajfa-918	248	5	,	,	PUNCT
ajfa-918	248	6	hassan	hassan	PROPN
ajfa-918	248	7	,	,	PUNCT
ajfa-918	248	8	m.	m.	PROPN
ajfa-918	248	9	k.	k.	PROPN
ajfa-918	248	10	(	(	PUNCT
ajfa-918	248	11	2009	2009	NUM
ajfa-918	248	12	)	)	PUNCT
ajfa-918	248	13	.	.	PUNCT
ajfa-918	249	1	customer	customer	NOUN
ajfa-918	249	2	demographics	demographic	NOUN
ajfa-918	249	3	affecting	affect	VERB
ajfa-918	249	4	bank	bank	NOUN
ajfa-918	249	5	selection	selection	NOUN
ajfa-918	249	6	criteria	criterion	NOUN
ajfa-918	249	7	,	,	PUNCT
ajfa-918	249	8	preference	preference	NOUN
ajfa-918	249	9	and	and	CCONJ
ajfa-918	249	10	market	market	NOUN
ajfa-918	249	11	segmentation	segmentation	NOUN
ajfa-918	249	12	:	:	PUNCT
ajfa-918	249	13	study	study	NOUN
ajfa-918	249	14	on	on	ADP
ajfa-918	249	15	domestic	domestic	ADJ
ajfa-918	249	16	islamic	islamic	ADJ
ajfa-918	249	17	banks	bank	NOUN
ajfa-918	249	18	in	in	ADP
ajfa-918	249	19	bangladesh	bangladesh	PROPN
ajfa-918	249	20	.	.	PUNCT
ajfa-918	250	1	international	international	ADJ
ajfa-918	250	2	journal	journal	PROPN
ajfa-918	250	3	of	of	ADP
ajfa-918	250	4	business	business	NOUN
ajfa-918	250	5	and	and	CCONJ
ajfa-918	250	6	management	management	NOUN
ajfa-918	250	7	4	4	NUM
ajfa-918	250	8	,	,	PUNCT
ajfa-918	250	9	131	131	NUM
ajfa-918	250	10	-	-	SYM
ajfa-918	250	11	146	146	NUM
ajfa-918	250	12	.	.	PUNCT
ajfa-918	251	1	sikand	sikand	NOUN
ajfa-918	251	2	,	,	PUNCT
ajfa-918	251	3	y.	y.	PROPN
ajfa-918	251	4	(	(	PUNCT
ajfa-918	251	5	1997	1997	NUM
ajfa-918	251	6	)	)	PUNCT
ajfa-918	251	7	.	.	PUNCT
ajfa-918	252	1	trends	trend	NOUN
ajfa-918	252	2	in	in	ADP
ajfa-918	252	3	islamic	islamic	ADJ
ajfa-918	252	4	banking	banking	NOUN
ajfa-918	252	5	and	and	CCONJ
ajfa-918	252	6	finance	finance	NOUN
ajfa-918	252	7	.	.	PUNCT
ajfa-918	253	1	islamic	islamic	ADJ
ajfa-918	253	2	voice.11	voice.11	PROPN
ajfa-918	253	3	-	-	PUNCT
ajfa-918	253	4	09	09	NUM
ajfa-918	253	5	,	,	PUNCT
ajfa-918	253	6	available	available	ADJ
ajfa-918	253	7	at	at	ADP
ajfa-918	253	8	:	:	PUNCT
ajfa-918	253	9	http://www.islamicvoice.com/september.97/isla.htm	http://www.islamicvoice.com/september.97/isla.htm	PROPN
ajfa-918	253	10	(	(	PUNCT
ajfa-918	253	11	10	10	NUM
ajfa-918	253	12	december	december	PROPN
ajfa-918	253	13	2010	2010	NUM
ajfa-918	253	14	)	)	PUNCT
ajfa-918	253	15	.	.	PUNCT
ajfa-918	254	1	asian	asian	ADJ
ajfa-918	254	2	journal	journal	PROPN
ajfa-918	254	3	of	of	ADP
ajfa-918	254	4	finance	finance	PROPN
ajfa-918	254	5	&	&	CCONJ
ajfa-918	254	6	accounting	accounting	PROPN
ajfa-918	254	7	issn	issn	PROPN
ajfa-918	254	8	1946	1946	NUM
ajfa-918	254	9	-	-	PUNCT
ajfa-918	254	10	052x	052x	NOUN
ajfa-918	254	11	2011	2011	NUM
ajfa-918	254	12	,	,	PUNCT
ajfa-918	254	13	vol	vol	NOUN
ajfa-918	254	14	.	.	PROPN
ajfa-918	255	1	3	3	NUM
ajfa-918	255	2	,	,	PUNCT
ajfa-918	255	3	no	no	INTJ
ajfa-918	255	4	.	.	NOUN
ajfa-918	255	5	1	1	NUM
ajfa-918	255	6	:	:	PUNCT
ajfa-918	255	7	e4	e4	PROPN
ajfa-918	255	8	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-918	255	9	71	71	NUM
ajfa-918	255	10	sudin	sudin	NOUN
ajfa-918	255	11	,	,	PUNCT
ajfa-918	255	12	h.	h.	PROPN
ajfa-918	255	13	,	,	PUNCT
ajfa-918	255	14	norafifah	norafifah	PROPN
ajfa-918	255	15	,	,	PUNCT
ajfa-918	255	16	a.	a.	NOUN
ajfa-918	255	17	,	,	PUNCT
ajfa-918	255	18	and	and	CCONJ
ajfa-918	255	19	planisek	planisek	ADJ
ajfa-918	255	20	,	,	PUNCT
ajfa-918	255	21	l.	l.	PROPN
ajfa-918	255	22	(	(	PUNCT
ajfa-918	255	23	1994	1994	NUM
ajfa-918	255	24	)	)	PUNCT
ajfa-918	255	25	.	.	PUNCT
ajfa-918	256	1	bank	bank	NOUN
ajfa-918	256	2	patronage	patronage	NOUN
ajfa-918	256	3	factors	factor	NOUN
ajfa-918	256	4	of	of	ADP
ajfa-918	256	5	muslim	muslim	ADJ
ajfa-918	256	6	and	and	CCONJ
ajfa-918	256	7	non	non	ADJ
ajfa-918	256	8	muslim	muslim	ADJ
ajfa-918	256	9	customers	customer	NOUN
ajfa-918	256	10	.	.	PUNCT
ajfa-918	257	1	int	int	NOUN
ajfa-918	257	2	.	.	PUNCT
ajfa-918	258	1	j.	j.	PROPN
ajfa-918	258	2	bank	bank	PROPN
ajfa-918	258	3	mark	mark	PROPN
ajfa-918	258	4	12	12	NUM
ajfa-918	258	5	,	,	PUNCT
ajfa-918	258	6	32	32	NUM
ajfa-918	258	7	-	-	SYM
ajfa-918	258	8	40	40	NUM
ajfa-918	258	9	.	.	PUNCT
ajfa-918	259	1	http://dx.doi.org/10.1108/02652329410049599	http://dx.doi.org/10.1108/02652329410049599	PROPN
ajfa-918	259	2	wardey	wardey	NOUN
ajfa-918	259	3	,	,	PUNCT
ajfa-918	259	4	i.	i.	NOUN
ajfa-918	259	5	(	(	PUNCT
ajfa-918	259	6	2010	2010	NUM
ajfa-918	259	7	)	)	PUNCT
ajfa-918	259	8	.	.	PUNCT
ajfa-918	260	1	islamic	islamic	ADJ
ajfa-918	260	2	finance	finance	NOUN
ajfa-918	260	3	in	in	ADP
ajfa-918	260	4	the	the	DET
ajfa-918	260	5	global	global	ADJ
ajfa-918	260	6	economy	economy	NOUN
ajfa-918	260	7	,	,	PUNCT
ajfa-918	260	8	edinburgh	edinburgh	PROPN
ajfa-918	260	9	university	university	PROPN
ajfa-918	260	10	press	press	NOUN
ajfa-918	260	11	.	.	PUNCT
ajfa-918	261	1	edinburgh	edinburgh	PROPN
ajfa-918	261	2	,	,	PUNCT
ajfa-918	261	3	http://www.sbp.org.pk/publications/schedule_banks/index.htm	http://www.sbp.org.pk/publications/schedule_banks/index.htm	PROPN
ajfa-918	261	4	(	(	PUNCT
ajfa-918	261	5	10	10	NUM
ajfa-918	261	6	october	october	NOUN
ajfa-918	261	7	2010	2010	NUM
ajfa-918	261	8	)	)	PUNCT