id	sid	tid	token	lemma	pos
afbr-1009	1	1	australian	australian	ADJ
afbr-1009	1	2	finance	finance	NOUN
afbr-1009	1	3	&	&	CCONJ
afbr-1009	1	4	banking	banking	PROPN
afbr-1009	1	5	review	review	PROPN
afbr-1009	1	6	vol	vol	NOUN
afbr-1009	1	7	.	.	PROPN
afbr-1009	1	8	5	5	NUM
afbr-1009	1	9	,	,	PUNCT
afbr-1009	1	10	no	no	INTJ
afbr-1009	1	11	.	.	NOUN
afbr-1009	1	12	1	1	NUM
afbr-1009	1	13	;	;	PUNCT
afbr-1009	1	14	2021	2021	NUM
afbr-1009	1	15	issn	issn	VERB
afbr-1009	1	16	2576	2576	NUM
afbr-1009	1	17	-	-	SYM
afbr-1009	1	18	1196	1196	NUM
afbr-1009	1	19	e	e	NOUN
afbr-1009	1	20	-	-	PROPN
afbr-1009	1	21	issn	issn	ADJ
afbr-1009	1	22	2576	2576	NUM
afbr-1009	1	23	-	-	PUNCT
afbr-1009	1	24	120x	120x	NUM
afbr-1009	1	25	published	publish	VERB
afbr-1009	1	26	by	by	ADP
afbr-1009	1	27	cribfb	cribfb	PROPN
afbr-1009	1	28	,	,	PUNCT
afbr-1009	1	29	usa	usa	PROPN
afbr-1009	1	30	15	15	NUM
afbr-1009	1	31	the	the	DET
afbr-1009	1	32	determinance	determinance	NOUN
afbr-1009	1	33	of	of	ADP
afbr-1009	1	34	the	the	DET
afbr-1009	1	35	financial	financial	ADJ
afbr-1009	1	36	behavior	behavior	NOUN
afbr-1009	1	37	among	among	ADP
afbr-1009	1	38	graduate	graduate	NOUN
afbr-1009	1	39	students	student	NOUN
afbr-1009	1	40	in	in	ADP
afbr-1009	1	41	indonesia	indonesia	PROPN
afbr-1009	1	42	dr	dr	PROPN
afbr-1009	1	43	.	.	PROPN
afbr-1009	1	44	nyoto	nyoto	PROPN
afbr-1009	1	45	lecturer	lecturer	NOUN
afbr-1009	1	46	faculty	faculty	NOUN
afbr-1009	1	47	of	of	ADP
afbr-1009	1	48	business	business	PROPN
afbr-1009	1	49	institut	institut	PROPN
afbr-1009	1	50	bisnis	bisnis	PROPN
afbr-1009	1	51	dan	dan	PROPN
afbr-1009	1	52	teknologi	teknologi	PROPN
afbr-1009	1	53	pelita	pelita	PROPN
afbr-1009	1	54	indonesia	indonesia	PROPN
afbr-1009	1	55	,	,	PUNCT
afbr-1009	1	56	indonesia	indonesia	PROPN
afbr-1009	1	57	e	e	PROPN
afbr-1009	1	58	-	-	NOUN
afbr-1009	1	59	mail	mail	NOUN
afbr-1009	1	60	:	:	PUNCT
afbr-1009	1	61	nyoto@lecturer.pelitaindonesia.ac.id	nyoto@lecturer.pelitaindonesia.ac.id	PROPN
afbr-1009	1	62	nicholas	nicholas	PROPN
afbr-1009	1	63	renaldo	renaldo	PROPN
afbr-1009	1	64	lecturer	lecturer	PROPN
afbr-1009	1	65	faculty	faculty	NOUN
afbr-1009	1	66	of	of	ADP
afbr-1009	1	67	business	business	PROPN
afbr-1009	1	68	institut	institut	PROPN
afbr-1009	1	69	bisnis	bisnis	PROPN
afbr-1009	1	70	dan	dan	PROPN
afbr-1009	1	71	teknologi	teknologi	PROPN
afbr-1009	1	72	pelita	pelita	PROPN
afbr-1009	1	73	indonesia	indonesia	PROPN
afbr-1009	1	74	,	,	PUNCT
afbr-1009	1	75	indonesia	indonesia	PROPN
afbr-1009	1	76	e	e	PROPN
afbr-1009	1	77	-	-	NOUN
afbr-1009	1	78	mail	mail	NOUN
afbr-1009	1	79	:	:	PUNCT
afbr-1009	1	80	nicholasrenaldo@lecturer.pelitaindonesia.ac.id	nicholasrenaldo@lecturer.pelitaindonesia.ac.id	PROPN
afbr-1009	1	81	dr	dr	PROPN
afbr-1009	1	82	.	.	PROPN
afbr-1009	1	83	gunasegaran	gunasegaran	PROPN
afbr-1009	1	84	karuppannan	karuppannan	PROPN
afbr-1009	1	85	associate	associate	PROPN
afbr-1009	1	86	professor	professor	NOUN
afbr-1009	1	87	faculty	faculty	NOUN
afbr-1009	1	88	of	of	ADP
afbr-1009	1	89	education	education	NOUN
afbr-1009	1	90	and	and	CCONJ
afbr-1009	1	91	social	social	ADJ
afbr-1009	1	92	science	science	NOUN
afbr-1009	1	93	university	university	PROPN
afbr-1009	1	94	of	of	ADP
afbr-1009	1	95	selangor	selangor	PROPN
afbr-1009	1	96	,	,	PUNCT
afbr-1009	1	97	shah	shah	PROPN
afbr-1009	1	98	alam	alam	PROPN
afbr-1009	1	99	,	,	PUNCT
afbr-1009	1	100	malaysia	malaysia	PROPN
afbr-1009	1	101	e	e	NOUN
afbr-1009	1	102	-	-	NOUN
afbr-1009	1	103	mail	mail	NOUN
afbr-1009	1	104	:	:	PUNCT
afbr-1009	1	105	drguna@unisel.edu.my	drguna@unisel.edu.my	PROPN
afbr-1009	1	106	dr	dr	PROPN
afbr-1009	1	107	.	.	PROPN
afbr-1009	1	108	abul	abul	PROPN
afbr-1009	1	109	bashar	bashar	PROPN
afbr-1009	1	110	bhuiyan	bhuiyan	PROPN
afbr-1009	1	111	associate	associate	NOUN
afbr-1009	1	112	professor	professor	NOUN
afbr-1009	1	113	faculty	faculty	NOUN
afbr-1009	1	114	of	of	ADP
afbr-1009	1	115	business	business	NOUN
afbr-1009	1	116	and	and	CCONJ
afbr-1009	1	117	accountancy	accountancy	NOUN
afbr-1009	1	118	university	university	PROPN
afbr-1009	1	119	of	of	ADP
afbr-1009	1	120	selangor	selangor	PROPN
afbr-1009	1	121	,	,	PUNCT
afbr-1009	1	122	shah	shah	PROPN
afbr-1009	1	123	alam	alam	PROPN
afbr-1009	1	124	,	,	PUNCT
afbr-1009	1	125	malaysia	malaysia	PROPN
afbr-1009	1	126	e	e	NOUN
afbr-1009	1	127	-	-	NOUN
afbr-1009	1	128	mail	mail	NOUN
afbr-1009	1	129	:	:	PUNCT
afbr-1009	1	130	bashariuk@gmail.com	bashariuk@gmail.com	PROPN
afbr-1009	1	131	dr	dr	PROPN
afbr-1009	1	132	.	.	PROPN
afbr-1009	1	133	mokana	mokana	PROPN
afbr-1009	1	134	muthu	muthu	PROPN
afbr-1009	1	135	kumarasamy	kumarasamy	PROPN
afbr-1009	1	136	lecturer	lecturer	NOUN
afbr-1009	1	137	faculty	faculty	NOUN
afbr-1009	1	138	of	of	ADP
afbr-1009	1	139	business	business	NOUN
afbr-1009	1	140	and	and	CCONJ
afbr-1009	1	141	accountancy	accountancy	NOUN
afbr-1009	1	142	university	university	PROPN
afbr-1009	1	143	of	of	ADP
afbr-1009	1	144	selangor	selangor	PROPN
afbr-1009	1	145	,	,	PUNCT
afbr-1009	1	146	shah	shah	PROPN
afbr-1009	1	147	alam	alam	PROPN
afbr-1009	1	148	,	,	PUNCT
afbr-1009	1	149	malaysia	malaysia	PROPN
afbr-1009	1	150	e	e	NOUN
afbr-1009	1	151	-	-	NOUN
afbr-1009	1	152	mail	mail	NOUN
afbr-1009	1	153	:	:	PUNCT
afbr-1009	1	154	mokana@unisel.edu.my	mokana@unisel.edu.my	PROPN
afbr-1009	1	155	abstract	abstract	VERB
afbr-1009	1	156	the	the	DET
afbr-1009	1	157	lifestyle	lifestyle	NOUN
afbr-1009	1	158	of	of	ADP
afbr-1009	1	159	adolescents	adolescent	NOUN
afbr-1009	1	160	who	who	PRON
afbr-1009	1	161	migrate	migrate	VERB
afbr-1009	1	162	to	to	PART
afbr-1009	1	163	work	work	VERB
afbr-1009	1	164	and	and	CCONJ
afbr-1009	1	165	college	college	NOUN
afbr-1009	1	166	will	will	AUX
afbr-1009	1	167	largely	largely	ADV
afbr-1009	1	168	determine	determine	VERB
afbr-1009	1	169	their	their	PRON
afbr-1009	1	170	future	future	NOUN
afbr-1009	1	171	.	.	PUNCT
afbr-1009	2	1	concerns	concern	NOUN
afbr-1009	2	2	about	about	ADP
afbr-1009	2	3	economic	economic	ADJ
afbr-1009	2	4	conditions	condition	NOUN
afbr-1009	2	5	can	can	AUX
afbr-1009	2	6	cause	cause	VERB
afbr-1009	2	7	problems	problem	NOUN
afbr-1009	2	8	with	with	ADP
afbr-1009	2	9	their	their	PRON
afbr-1009	2	10	behavior	behavior	NOUN
afbr-1009	2	11	.	.	PUNCT
afbr-1009	3	1	this	this	DET
afbr-1009	3	2	research	research	NOUN
afbr-1009	3	3	has	have	AUX
afbr-1009	3	4	aimed	aim	VERB
afbr-1009	3	5	to	to	PART
afbr-1009	3	6	explore	explore	VERB
afbr-1009	3	7	the	the	DET
afbr-1009	3	8	most	most	ADV
afbr-1009	3	9	influential	influential	ADJ
afbr-1009	3	10	factors	factor	NOUN
afbr-1009	3	11	on	on	ADP
afbr-1009	3	12	financial	financial	ADJ
afbr-1009	3	13	behavior	behavior	NOUN
afbr-1009	3	14	among	among	ADP
afbr-1009	3	15	graduate	graduate	NOUN
afbr-1009	3	16	students	student	NOUN
afbr-1009	3	17	in	in	ADP
afbr-1009	3	18	indonesia	indonesia	PROPN
afbr-1009	3	19	.	.	PUNCT
afbr-1009	4	1	the	the	DET
afbr-1009	4	2	primary	primary	ADJ
afbr-1009	4	3	data	datum	NOUN
afbr-1009	4	4	collected	collect	VERB
afbr-1009	4	5	by	by	ADP
afbr-1009	4	6	distributing	distribute	VERB
afbr-1009	4	7	questionnaires	questionnaire	NOUN
afbr-1009	4	8	using	use	VERB
afbr-1009	4	9	a	a	DET
afbr-1009	4	10	likert	likert	ADJ
afbr-1009	4	11	scale	scale	NOUN
afbr-1009	4	12	.	.	PUNCT
afbr-1009	5	1	there	there	PRON
afbr-1009	5	2	are	be	VERB
afbr-1009	5	3	239	239	NUM
afbr-1009	5	4	samples	sample	NOUN
afbr-1009	5	5	have	have	AUX
afbr-1009	5	6	collected	collect	VERB
afbr-1009	5	7	based	base	VERB
afbr-1009	5	8	on	on	ADP
afbr-1009	5	9	the	the	DET
afbr-1009	5	10	combination	combination	NOUN
afbr-1009	5	11	of	of	ADP
afbr-1009	5	12	purposive	purposive	NOUN
afbr-1009	5	13	and	and	CCONJ
afbr-1009	5	14	convenience	convenience	NOUN
afbr-1009	5	15	sampling	sampling	NOUN
afbr-1009	5	16	methods	method	NOUN
afbr-1009	5	17	.	.	PUNCT
afbr-1009	6	1	the	the	DET
afbr-1009	6	2	study	study	NOUN
afbr-1009	6	3	used	use	VERB
afbr-1009	6	4	descriptive	descriptive	ADJ
afbr-1009	6	5	statistical	statistical	ADJ
afbr-1009	6	6	techniques	technique	NOUN
afbr-1009	6	7	and	and	CCONJ
afbr-1009	6	8	path	path	NOUN
afbr-1009	6	9	analysis	analysis	NOUN
afbr-1009	6	10	techniques	technique	NOUN
afbr-1009	6	11	for	for	ADP
afbr-1009	6	12	data	datum	NOUN
afbr-1009	6	13	analysis	analysis	NOUN
afbr-1009	6	14	.	.	PUNCT
afbr-1009	7	1	based	base	VERB
afbr-1009	7	2	on	on	ADP
afbr-1009	7	3	path	path	NOUN
afbr-1009	7	4	analysis	analysis	NOUN
afbr-1009	7	5	results	result	NOUN
afbr-1009	7	6	,	,	PUNCT
afbr-1009	7	7	study	study	NOUN
afbr-1009	7	8	findings	finding	NOUN
afbr-1009	7	9	indicate	indicate	VERB
afbr-1009	7	10	that	that	SCONJ
afbr-1009	7	11	there	there	PRON
afbr-1009	7	12	is	be	VERB
afbr-1009	7	13	a	a	DET
afbr-1009	7	14	significant	significant	ADJ
afbr-1009	7	15	influence	influence	NOUN
afbr-1009	7	16	of	of	ADP
afbr-1009	7	17	financial	financial	ADJ
afbr-1009	7	18	knowledge	knowledge	NOUN
afbr-1009	7	19	on	on	ADP
afbr-1009	7	20	financial	financial	ADJ
afbr-1009	7	21	self	self	NOUN
afbr-1009	7	22	-	-	PUNCT
afbr-1009	7	23	efficacy	efficacy	NOUN
afbr-1009	7	24	;	;	PUNCT
afbr-1009	7	25	financial	financial	ADJ
afbr-1009	7	26	self	self	NOUN
afbr-1009	7	27	-	-	PUNCT
afbr-1009	7	28	efficacy	efficacy	NOUN
afbr-1009	7	29	and	and	CCONJ
afbr-1009	7	30	financial	financial	ADJ
afbr-1009	7	31	knowledge	knowledge	NOUN
afbr-1009	7	32	on	on	ADP
afbr-1009	7	33	financial	financial	ADJ
afbr-1009	7	34	behavior	behavior	NOUN
afbr-1009	7	35	;	;	PUNCT
afbr-1009	7	36	financial	financial	ADJ
afbr-1009	7	37	attitude	attitude	NOUN
afbr-1009	7	38	and	and	CCONJ
afbr-1009	7	39	financial	financial	ADJ
afbr-1009	7	40	self	self	NOUN
afbr-1009	7	41	-	-	PUNCT
afbr-1009	7	42	efficacy	efficacy	NOUN
afbr-1009	7	43	on	on	ADP
afbr-1009	7	44	mailto:nyoto@lecturer.pelitaindonesia.ac.id	mailto:nyoto@lecturer.pelitaindonesia.ac.id	PROPN
afbr-1009	7	45	mailto:nicholasrenaldo@lecturer.pelitaindonesia.ac.id	mailto:nicholasrenaldo@lecturer.pelitaindonesia.ac.id	PROPN
afbr-1009	7	46	mailto:drguna@unisel.edu.my	mailto:drguna@unisel.edu.my	NOUN
afbr-1009	7	47	mailto:bashariuk@gmail.com	mailto:bashariuk@gmail.com	PROPN
afbr-1009	7	48	mailto:mokana@unisel.edu.my	mailto:mokana@unisel.edu.my	PROPN
afbr-1009	7	49	https://www.cribfb.com/journal/index.php/afbr	https://www.cribfb.com/journal/index.php/afbr	ADJ
afbr-1009	7	50	australian	australian	ADJ
afbr-1009	7	51	finance	finance	NOUN
afbr-1009	7	52	&	&	CCONJ
afbr-1009	7	53	banking	banking	PROPN
afbr-1009	7	54	review	review	PROPN
afbr-1009	7	55	vol	vol	NOUN
afbr-1009	7	56	.	.	PROPN
afbr-1009	7	57	5	5	NUM
afbr-1009	7	58	,	,	PUNCT
afbr-1009	7	59	no	no	INTJ
afbr-1009	7	60	.	.	NOUN
afbr-1009	7	61	1	1	NUM
afbr-1009	7	62	;	;	PUNCT
afbr-1009	7	63	2021	2021	NUM
afbr-1009	7	64	16	16	NUM
afbr-1009	7	65	financial	financial	ADJ
afbr-1009	7	66	behavior	behavior	NOUN
afbr-1009	7	67	but	but	CCONJ
afbr-1009	7	68	there	there	PRON
afbr-1009	7	69	is	be	VERB
afbr-1009	7	70	no	no	DET
afbr-1009	7	71	significant	significant	ADJ
afbr-1009	7	72	influence	influence	NOUN
afbr-1009	7	73	of	of	ADP
afbr-1009	7	74	financial	financial	ADJ
afbr-1009	7	75	knowledge	knowledge	NOUN
afbr-1009	7	76	on	on	ADP
afbr-1009	7	77	financial	financial	ADJ
afbr-1009	7	78	behavior	behavior	NOUN
afbr-1009	7	79	.	.	PUNCT
afbr-1009	8	1	the	the	DET
afbr-1009	8	2	study	study	NOUN
afbr-1009	8	3	results	result	NOUN
afbr-1009	8	4	also	also	ADV
afbr-1009	8	5	showed	show	VERB
afbr-1009	8	6	that	that	SCONJ
afbr-1009	8	7	adolescent	adolescent	ADJ
afbr-1009	8	8	habits	habit	NOUN
afbr-1009	8	9	are	be	AUX
afbr-1009	8	10	still	still	ADV
afbr-1009	8	11	not	not	PART
afbr-1009	8	12	good	good	ADJ
afbr-1009	8	13	but	but	CCONJ
afbr-1009	8	14	can	can	AUX
afbr-1009	8	15	be	be	AUX
afbr-1009	8	16	improved	improve	VERB
afbr-1009	8	17	through	through	ADP
afbr-1009	8	18	education	education	NOUN
afbr-1009	8	19	such	such	ADJ
afbr-1009	8	20	as	as	ADP
afbr-1009	8	21	character	character	NOUN
afbr-1009	8	22	education	education	NOUN
afbr-1009	8	23	and	and	CCONJ
afbr-1009	8	24	achievement	achievement	NOUN
afbr-1009	8	25	of	of	ADP
afbr-1009	8	26	a	a	DET
afbr-1009	8	27	better	well	ADJ
afbr-1009	8	28	motivation	motivation	NOUN
afbr-1009	8	29	to	to	PART
afbr-1009	8	30	deal	deal	VERB
afbr-1009	8	31	with	with	ADP
afbr-1009	8	32	economic	economic	ADJ
afbr-1009	8	33	problems	problem	NOUN
afbr-1009	8	34	.	.	PUNCT
afbr-1009	9	1	the	the	DET
afbr-1009	9	2	study	study	NOUN
afbr-1009	9	3	recommended	recommend	VERB
afbr-1009	9	4	that	that	SCONJ
afbr-1009	9	5	the	the	DET
afbr-1009	9	6	good	good	ADJ
afbr-1009	9	7	habits	habit	NOUN
afbr-1009	9	8	can	can	AUX
afbr-1009	9	9	be	be	AUX
afbr-1009	9	10	passed	pass	VERB
afbr-1009	9	11	on	on	ADP
afbr-1009	9	12	to	to	ADP
afbr-1009	9	13	friends	friend	NOUN
afbr-1009	9	14	of	of	ADP
afbr-1009	9	15	his	his	PRON
afbr-1009	9	16	age	age	NOUN
afbr-1009	9	17	,	,	PUNCT
afbr-1009	9	18	especially	especially	ADV
afbr-1009	9	19	adolescents	adolescent	NOUN
afbr-1009	9	20	so	so	SCONJ
afbr-1009	9	21	they	they	PRON
afbr-1009	9	22	can	can	AUX
afbr-1009	9	23	have	have	VERB
afbr-1009	9	24	a	a	DET
afbr-1009	9	25	good	good	ADJ
afbr-1009	9	26	future	future	NOUN
afbr-1009	9	27	.	.	PUNCT
afbr-1009	10	1	keywords	keyword	NOUN
afbr-1009	10	2	:	:	PUNCT
afbr-1009	10	3	financial	financial	ADJ
afbr-1009	10	4	behavior	behavior	NOUN
afbr-1009	10	5	,	,	PUNCT
afbr-1009	10	6	self	self	NOUN
afbr-1009	10	7	-	-	PUNCT
afbr-1009	10	8	efficacy	efficacy	NOUN
afbr-1009	10	9	,	,	PUNCT
afbr-1009	10	10	knowledge	knowledge	NOUN
afbr-1009	10	11	,	,	PUNCT
afbr-1009	10	12	attitude	attitude	NOUN
afbr-1009	10	13	.	.	PUNCT
afbr-1009	11	1	jel	jel	PROPN
afbr-1009	11	2	classification	classification	NOUN
afbr-1009	11	3	codes	code	NOUN
afbr-1009	11	4	:	:	PUNCT
afbr-1009	11	5	f36	f36	NOUN
afbr-1009	11	6	,	,	PUNCT
afbr-1009	11	7	g02	g02	NOUN
afbr-1009	11	8	,	,	PUNCT
afbr-1009	11	9	a23	a23	PROPN
afbr-1009	11	10	.	.	PROPN
afbr-1009	11	11	introduction	introduction	NOUN
afbr-1009	11	12	the	the	DET
afbr-1009	11	13	development	development	NOUN
afbr-1009	11	14	of	of	ADP
afbr-1009	11	15	advanced	advanced	ADJ
afbr-1009	11	16	technology	technology	NOUN
afbr-1009	11	17	in	in	ADP
afbr-1009	11	18	2019	2019	NUM
afbr-1009	11	19	will	will	AUX
afbr-1009	11	20	certainly	certainly	ADV
afbr-1009	11	21	affect	affect	VERB
afbr-1009	11	22	the	the	DET
afbr-1009	11	23	lifestyle	lifestyle	NOUN
afbr-1009	11	24	of	of	ADP
afbr-1009	11	25	many	many	ADJ
afbr-1009	11	26	people	people	NOUN
afbr-1009	11	27	.	.	PUNCT
afbr-1009	12	1	everything	everything	PRON
afbr-1009	12	2	is	be	AUX
afbr-1009	12	3	done	do	VERB
afbr-1009	12	4	through	through	ADP
afbr-1009	12	5	technology	technology	NOUN
afbr-1009	12	6	such	such	ADJ
afbr-1009	12	7	as	as	ADP
afbr-1009	12	8	online	online	ADJ
afbr-1009	12	9	shopping	shopping	NOUN
afbr-1009	12	10	,	,	PUNCT
afbr-1009	12	11	online	online	ADJ
afbr-1009	12	12	transactions	transaction	NOUN
afbr-1009	12	13	,	,	PUNCT
afbr-1009	12	14	even	even	ADV
afbr-1009	12	15	to	to	PART
afbr-1009	12	16	buy	buy	VERB
afbr-1009	12	17	food	food	NOUN
afbr-1009	12	18	also	also	ADV
afbr-1009	12	19	through	through	ADP
afbr-1009	12	20	smartphone	smartphone	NOUN
afbr-1009	12	21	applications	application	NOUN
afbr-1009	12	22	.	.	PUNCT
afbr-1009	13	1	of	of	ADP
afbr-1009	13	2	course	course	NOUN
afbr-1009	13	3	,	,	PUNCT
afbr-1009	13	4	this	this	PRON
afbr-1009	13	5	will	will	AUX
afbr-1009	13	6	be	be	AUX
afbr-1009	13	7	more	more	ADV
afbr-1009	13	8	familiar	familiar	ADJ
afbr-1009	13	9	with	with	ADP
afbr-1009	13	10	adolescents	adolescent	NOUN
afbr-1009	13	11	,	,	PUNCT
afbr-1009	13	12	especially	especially	ADV
afbr-1009	13	13	adolescents	adolescent	NOUN
afbr-1009	13	14	who	who	PRON
afbr-1009	13	15	migrate	migrate	VERB
afbr-1009	13	16	to	to	ADP
afbr-1009	13	17	the	the	DET
afbr-1009	13	18	city	city	NOUN
afbr-1009	13	19	.	.	PUNCT
afbr-1009	14	1	the	the	DET
afbr-1009	14	2	use	use	NOUN
afbr-1009	14	3	of	of	ADP
afbr-1009	14	4	the	the	DET
afbr-1009	14	5	latest	late	ADJ
afbr-1009	14	6	technological	technological	ADJ
afbr-1009	14	7	devices	device	NOUN
afbr-1009	14	8	directly	directly	ADV
afbr-1009	14	9	affects	affect	VERB
afbr-1009	14	10	the	the	DET
afbr-1009	14	11	cost	cost	NOUN
afbr-1009	14	12	and	and	CCONJ
afbr-1009	14	13	lifestyle	lifestyle	NOUN
afbr-1009	14	14	of	of	ADP
afbr-1009	14	15	a	a	DET
afbr-1009	14	16	person	person	NOUN
afbr-1009	14	17	.	.	PUNCT
afbr-1009	15	1	the	the	DET
afbr-1009	15	2	cost	cost	NOUN
afbr-1009	15	3	of	of	ADP
afbr-1009	15	4	living	living	NOUN
afbr-1009	15	5	if	if	SCONJ
afbr-1009	15	6	done	do	VERB
afbr-1009	15	7	properly	properly	ADV
afbr-1009	15	8	is	be	AUX
afbr-1009	15	9	still	still	ADV
afbr-1009	15	10	not	not	PART
afbr-1009	15	11	a	a	DET
afbr-1009	15	12	problem	problem	NOUN
afbr-1009	15	13	but	but	CCONJ
afbr-1009	15	14	the	the	DET
afbr-1009	15	15	lifestyle	lifestyle	NOUN
afbr-1009	15	16	of	of	ADP
afbr-1009	15	17	a	a	DET
afbr-1009	15	18	new	new	ADJ
afbr-1009	15	19	adolescent	adolescent	NOUN
afbr-1009	15	20	is	be	AUX
afbr-1009	15	21	dominated	dominate	VERB
afbr-1009	15	22	to	to	PART
afbr-1009	15	23	gather	gather	VERB
afbr-1009	15	24	with	with	ADP
afbr-1009	15	25	friends	friend	NOUN
afbr-1009	15	26	,	,	PUNCT
afbr-1009	15	27	online	online	ADJ
afbr-1009	15	28	shopping	shopping	NOUN
afbr-1009	15	29	,	,	PUNCT
afbr-1009	15	30	holiday	holiday	NOUN
afbr-1009	15	31	after	after	ADP
afbr-1009	15	32	receiving	receive	VERB
afbr-1009	15	33	bonuses	bonus	NOUN
afbr-1009	15	34	,	,	PUNCT
afbr-1009	15	35	or	or	CCONJ
afbr-1009	15	36	year	year	NOUN
afbr-1009	15	37	-	-	PUNCT
afbr-1009	15	38	end	end	NOUN
afbr-1009	15	39	leave	leave	NOUN
afbr-1009	15	40	.	.	PUNCT
afbr-1009	16	1	the	the	DET
afbr-1009	16	2	use	use	NOUN
afbr-1009	16	3	of	of	ADP
afbr-1009	16	4	the	the	DET
afbr-1009	16	5	latest	late	ADJ
afbr-1009	16	6	technology	technology	NOUN
afbr-1009	16	7	certainly	certainly	ADV
afbr-1009	16	8	costs	cost	VERB
afbr-1009	16	9	a	a	DET
afbr-1009	16	10	lot	lot	NOUN
afbr-1009	16	11	.	.	PUNCT
afbr-1009	17	1	the	the	DET
afbr-1009	17	2	pre	pre	ADJ
afbr-1009	17	3	-	-	ADJ
afbr-1009	17	4	survey	survey	ADJ
afbr-1009	17	5	results	result	NOUN
afbr-1009	17	6	showed	show	VERB
afbr-1009	17	7	that	that	SCONJ
afbr-1009	17	8	around	around	ADV
afbr-1009	17	9	34	34	NUM
afbr-1009	17	10	%	%	NOUN
afbr-1009	17	11	of	of	ADP
afbr-1009	17	12	institut	institut	PROPN
afbr-1009	17	13	bisnisdan	bisnisdan	PROPN
afbr-1009	17	14	teknologi	teknologi	PROPN
afbr-1009	17	15	pelita	pelita	PROPN
afbr-1009	17	16	indonesia	indonesia	PROPN
afbr-1009	17	17	(	(	PUNCT
afbr-1009	17	18	ibtpi	ibtpi	NOUN
afbr-1009	17	19	)	)	PUNCT
afbr-1009	17	20	students	student	NOUN
afbr-1009	17	21	showed	show	VERB
afbr-1009	17	22	bad	bad	ADJ
afbr-1009	17	23	habits	habit	NOUN
afbr-1009	17	24	.	.	PUNCT
afbr-1009	18	1	for	for	ADP
afbr-1009	18	2	those	those	PRON
afbr-1009	18	3	who	who	PRON
afbr-1009	18	4	have	have	AUX
afbr-1009	18	5	worked	work	VERB
afbr-1009	18	6	more	more	ADJ
afbr-1009	18	7	than	than	ADP
afbr-1009	18	8	1	1	NUM
afbr-1009	18	9	year	year	NOUN
afbr-1009	18	10	,	,	PUNCT
afbr-1009	18	11	a	a	DET
afbr-1009	18	12	regional	regional	ADJ
afbr-1009	18	13	minimum	minimum	NOUN
afbr-1009	18	14	wage	wage	NOUN
afbr-1009	18	15	increase	increase	NOUN
afbr-1009	18	16	of	of	ADP
afbr-1009	18	17	around	around	ADP
afbr-1009	18	18	8	8	NUM
afbr-1009	18	19	%	%	NOUN
afbr-1009	18	20	per	per	ADP
afbr-1009	18	21	year	year	NOUN
afbr-1009	18	22	should	should	AUX
afbr-1009	18	23	be	be	AUX
afbr-1009	18	24	a	a	DET
afbr-1009	18	25	good	good	ADJ
afbr-1009	18	26	thing	thing	NOUN
afbr-1009	18	27	but	but	CCONJ
afbr-1009	18	28	because	because	SCONJ
afbr-1009	18	29	the	the	DET
afbr-1009	18	30	adolescent	adolescent	NOUN
afbr-1009	18	31	's	's	PART
afbr-1009	18	32	full	full	ADJ
afbr-1009	18	33	prestige	prestige	NOUN
afbr-1009	18	34	style	style	NOUN
afbr-1009	18	35	can	can	AUX
afbr-1009	18	36	result	result	VERB
afbr-1009	18	37	in	in	ADP
afbr-1009	18	38	their	their	PRON
afbr-1009	18	39	downfall	downfall	NOUN
afbr-1009	18	40	in	in	ADP
afbr-1009	18	41	financial	financial	ADJ
afbr-1009	18	42	prisons	prison	NOUN
afbr-1009	18	43	.	.	PUNCT
afbr-1009	19	1	adolescents	adolescent	NOUN
afbr-1009	19	2	aged	aged	ADJ
afbr-1009	19	3	18	18	NUM
afbr-1009	19	4	-	-	SYM
afbr-1009	19	5	25	25	NUM
afbr-1009	19	6	years	year	NOUN
afbr-1009	19	7	can	can	AUX
afbr-1009	19	8	be	be	AUX
afbr-1009	19	9	said	say	VERB
afbr-1009	19	10	as	as	ADP
afbr-1009	19	11	a	a	DET
afbr-1009	19	12	stage	stage	NOUN
afbr-1009	19	13	towards	towards	ADP
afbr-1009	19	14	maturity	maturity	NOUN
afbr-1009	19	15	.	.	PUNCT
afbr-1009	20	1	if	if	SCONJ
afbr-1009	20	2	they	they	PRON
afbr-1009	20	3	fail	fail	VERB
afbr-1009	20	4	financially	financially	ADV
afbr-1009	20	5	in	in	ADP
afbr-1009	20	6	this	this	DET
afbr-1009	20	7	age	age	NOUN
afbr-1009	20	8	range	range	NOUN
afbr-1009	20	9	,	,	PUNCT
afbr-1009	20	10	it	it	PRON
afbr-1009	20	11	will	will	AUX
afbr-1009	20	12	cause	cause	VERB
afbr-1009	20	13	a	a	DET
afbr-1009	20	14	domino	domino	NOUN
afbr-1009	20	15	effect	effect	NOUN
afbr-1009	20	16	going	go	VERB
afbr-1009	20	17	forward	forward	ADV
afbr-1009	20	18	.	.	PUNCT
afbr-1009	21	1	important	important	ADJ
afbr-1009	21	2	skills	skill	NOUN
afbr-1009	21	3	for	for	ADP
afbr-1009	21	4	understanding	understand	VERB
afbr-1009	21	5	money	money	NOUN
afbr-1009	21	6	include	include	VERB
afbr-1009	21	7	controlling	control	VERB
afbr-1009	21	8	expenses	expense	NOUN
afbr-1009	21	9	,	,	PUNCT
afbr-1009	21	10	saving	saving	NOUN
afbr-1009	21	11	,	,	PUNCT
afbr-1009	21	12	and	and	CCONJ
afbr-1009	21	13	investing	investing	NOUN
afbr-1009	21	14	.	.	PUNCT
afbr-1009	22	1	it	it	PRON
afbr-1009	22	2	really	really	ADV
afbr-1009	22	3	depends	depend	VERB
afbr-1009	22	4	on	on	ADP
afbr-1009	22	5	how	how	SCONJ
afbr-1009	22	6	well	well	ADV
afbr-1009	22	7	they	they	PRON
afbr-1009	22	8	follow	follow	VERB
afbr-1009	22	9	their	their	PRON
afbr-1009	22	10	financial	financial	ADJ
afbr-1009	22	11	goals	goal	NOUN
afbr-1009	22	12	.	.	PUNCT
afbr-1009	23	1	the	the	DET
afbr-1009	23	2	matter	matter	NOUN
afbr-1009	23	3	that	that	SCONJ
afbr-1009	23	4	a	a	DET
afbr-1009	23	5	lot	lot	NOUN
afbr-1009	23	6	of	of	ADP
afbr-1009	23	7	people	people	NOUN
afbr-1009	23	8	will	will	AUX
afbr-1009	23	9	face	face	VERB
afbr-1009	23	10	,	,	PUNCT
afbr-1009	23	11	especially	especially	ADV
afbr-1009	23	12	younger	young	ADJ
afbr-1009	23	13	individuals	individual	NOUN
afbr-1009	23	14	,	,	PUNCT
afbr-1009	23	15	is	be	AUX
afbr-1009	23	16	the	the	DET
afbr-1009	23	17	lack	lack	NOUN
afbr-1009	23	18	of	of	ADP
afbr-1009	23	19	monetary	monetary	ADJ
afbr-1009	23	20	knowledge	knowledge	NOUN
afbr-1009	23	21	that	that	PRON
afbr-1009	23	22	results	result	VERB
afbr-1009	23	23	in	in	ADP
afbr-1009	23	24	poor	poor	ADJ
afbr-1009	23	25	financial	financial	ADJ
afbr-1009	23	26	management(susan	management(susan	PROPN
afbr-1009	23	27	,	,	PUNCT
afbr-1009	23	28	2018	2018	NUM
afbr-1009	23	29	)	)	PUNCT
afbr-1009	23	30	.	.	PUNCT
afbr-1009	24	1	theory	theory	NOUN
afbr-1009	24	2	of	of	ADP
afbr-1009	24	3	planned	plan	VERB
afbr-1009	24	4	behavior	behavior	NOUN
afbr-1009	24	5	(	(	PUNCT
afbr-1009	24	6	tpb	tpb	NOUN
afbr-1009	24	7	)	)	PUNCT
afbr-1009	24	8	,	,	PUNCT
afbr-1009	24	9	related	relate	VERB
afbr-1009	24	10	to	to	ADP
afbr-1009	24	11	rational	rational	ADJ
afbr-1009	24	12	actions	action	NOUN
afbr-1009	24	13	based	base	VERB
afbr-1009	24	14	on	on	ADP
afbr-1009	24	15	the	the	DET
afbr-1009	24	16	assumption	assumption	NOUN
afbr-1009	24	17	that	that	SCONJ
afbr-1009	24	18	humans	human	NOUN
afbr-1009	24	19	act	act	VERB
afbr-1009	24	20	logically	logically	ADV
afbr-1009	24	21	,	,	PUNCT
afbr-1009	24	22	considering	consider	VERB
afbr-1009	24	23	all	all	DET
afbr-1009	24	24	available	available	ADJ
afbr-1009	24	25	information	information	NOUN
afbr-1009	24	26	,	,	PUNCT
afbr-1009	24	27	directly	directly	ADV
afbr-1009	24	28	and	and	CCONJ
afbr-1009	24	29	indirectly	indirectly	ADV
afbr-1009	24	30	,	,	PUNCT
afbr-1009	24	31	calculates	calculate	VERB
afbr-1009	24	32	the	the	DET
afbr-1009	24	33	impact	impact	NOUN
afbr-1009	24	34	of	of	ADP
afbr-1009	24	35	the	the	DET
afbr-1009	24	36	actions	action	NOUN
afbr-1009	24	37	they	they	PRON
afbr-1009	24	38	take	take	VERB
afbr-1009	24	39	.	.	PUNCT
afbr-1009	25	1	according	accord	VERB
afbr-1009	25	2	to	to	ADP
afbr-1009	25	3	the	the	DET
afbr-1009	25	4	theory	theory	NOUN
afbr-1009	25	5	of	of	ADP
afbr-1009	25	6	rational	rational	ADJ
afbr-1009	25	7	action	action	NOUN
afbr-1009	25	8	,	,	PUNCT
afbr-1009	25	9	the	the	DET
afbr-1009	25	10	individual	individual	NOUN
afbr-1009	25	11	will	will	AUX
afbr-1009	25	12	take	take	VERB
afbr-1009	25	13	action	action	NOUN
afbr-1009	25	14	whenever	whenever	SCONJ
afbr-1009	25	15	he	he	PRON
afbr-1009	25	16	sees	see	VERB
afbr-1009	25	17	that	that	SCONJ
afbr-1009	25	18	the	the	DET
afbr-1009	25	19	action	action	NOUN
afbr-1009	25	20	is	be	AUX
afbr-1009	25	21	positive	positive	ADJ
afbr-1009	25	22	and	and	CCONJ
afbr-1009	25	23	every	every	DET
afbr-1009	25	24	time	time	NOUN
afbr-1009	25	25	the	the	DET
afbr-1009	25	26	individual	individual	NOUN
afbr-1009	25	27	believes	believe	VERB
afbr-1009	25	28	that	that	SCONJ
afbr-1009	25	29	someone	someone	PRON
afbr-1009	25	30	else	else	ADV
afbr-1009	25	31	wants	want	VERB
afbr-1009	25	32	him	he	PRON
afbr-1009	25	33	to	to	PART
afbr-1009	25	34	do	do	VERB
afbr-1009	25	35	such	such	DET
afbr-1009	25	36	an	an	DET
afbr-1009	25	37	action	action	NOUN
afbr-1009	25	38	(	(	PUNCT
afbr-1009	25	39	arifin	arifin	PROPN
afbr-1009	25	40	,	,	PUNCT
afbr-1009	25	41	2017	2017	NUM
afbr-1009	25	42	)	)	PUNCT
afbr-1009	25	43	.	.	PUNCT
afbr-1009	26	1	research	research	NOUN
afbr-1009	26	2	from	from	ADP
afbr-1009	26	3	herawati	herawati	PROPN
afbr-1009	26	4	et	et	PROPN
afbr-1009	26	5	al	al	PROPN
afbr-1009	26	6	.	.	PROPN
afbr-1009	26	7	,	,	PUNCT
afbr-1009	26	8	2018	2018	NUM
afbr-1009	26	9	showed	show	VERB
afbr-1009	26	10	a	a	DET
afbr-1009	26	11	significant	significant	ADJ
afbr-1009	26	12	positive	positive	ADJ
afbr-1009	26	13	effect	effect	NOUN
afbr-1009	26	14	on	on	ADP
afbr-1009	26	15	financial	financial	ADJ
afbr-1009	26	16	self	self	NOUN
afbr-1009	26	17	-	-	PUNCT
afbr-1009	26	18	efficacy	efficacy	NOUN
afbr-1009	26	19	on	on	ADP
afbr-1009	26	20	financial	financial	ADJ
afbr-1009	26	21	behavior	behavior	NOUN
afbr-1009	26	22	(	(	PUNCT
afbr-1009	26	23	herawati	herawati	PROPN
afbr-1009	26	24	,	,	PUNCT
afbr-1009	26	25	candiasa	candiasa	PROPN
afbr-1009	26	26	,	,	PUNCT
afbr-1009	26	27	yadnyana	yadnyana	PROPN
afbr-1009	26	28	,	,	PUNCT
afbr-1009	26	29	&	&	CCONJ
afbr-1009	26	30	suharsono	suharsono	NOUN
afbr-1009	26	31	,	,	PUNCT
afbr-1009	26	32	2018	2018	NUM
afbr-1009	26	33	)	)	PUNCT
afbr-1009	26	34	.	.	PUNCT
afbr-1009	27	1	research	research	NOUN
afbr-1009	27	2	from	from	ADP
afbr-1009	27	3	(	(	PUNCT
afbr-1009	27	4	ismail	ismail	PROPN
afbr-1009	27	5	et	et	PROPN
afbr-1009	27	6	al	al	PROPN
afbr-1009	27	7	.	.	PROPN
afbr-1009	27	8	,	,	PUNCT
afbr-1009	27	9	2017)showed	2017)showe	VERB
afbr-1009	27	10	a	a	DET
afbr-1009	27	11	positive	positive	ADJ
afbr-1009	27	12	and	and	CCONJ
afbr-1009	27	13	not	not	PART
afbr-1009	27	14	significant	significant	ADJ
afbr-1009	27	15	effect	effect	NOUN
afbr-1009	27	16	whereas	whereas	SCONJ
afbr-1009	27	17	faique	faique	NOUN
afbr-1009	27	18	et	et	PROPN
afbr-1009	27	19	al	al	PROPN
afbr-1009	27	20	.	.	PROPN
afbr-1009	27	21	,	,	PUNCT
afbr-1009	27	22	2017	2017	NUM
afbr-1009	27	23	showed	show	VERB
afbr-1009	27	24	significant	significant	ADJ
afbr-1009	27	25	negative	negative	ADJ
afbr-1009	27	26	results	result	NOUN
afbr-1009	27	27	(	(	PUNCT
afbr-1009	27	28	faique	faique	NOUN
afbr-1009	27	29	et	et	PROPN
afbr-1009	27	30	al	al	PROPN
afbr-1009	27	31	.	.	PROPN
afbr-1009	27	32	,	,	PUNCT
afbr-1009	27	33	2017	2017	NUM
afbr-1009	27	34	)	)	PUNCT
afbr-1009	27	35	.	.	PUNCT
afbr-1009	28	1	the	the	DET
afbr-1009	28	2	effect	effect	NOUN
afbr-1009	28	3	of	of	ADP
afbr-1009	28	4	financial	financial	ADJ
afbr-1009	28	5	attitude	attitude	NOUN
afbr-1009	28	6	on	on	ADP
afbr-1009	28	7	financial	financial	ADJ
afbr-1009	28	8	behavior	behavior	NOUN
afbr-1009	28	9	can	can	AUX
afbr-1009	28	10	be	be	AUX
afbr-1009	28	11	seen	see	VERB
afbr-1009	28	12	in	in	ADP
afbr-1009	28	13	research	research	NOUN
afbr-1009	28	14	from	from	ADP
afbr-1009	28	15	(	(	PUNCT
afbr-1009	28	16	susan	susan	PROPN
afbr-1009	28	17	,	,	PUNCT
afbr-1009	28	18	2018)which	2018)which	PRON
afbr-1009	28	19	showed	show	VERB
afbr-1009	28	20	significant	significant	ADJ
afbr-1009	28	21	positive	positive	ADJ
afbr-1009	28	22	results	result	NOUN
afbr-1009	28	23	.	.	PUNCT
afbr-1009	29	1	these	these	DET
afbr-1009	29	2	results	result	NOUN
afbr-1009	29	3	contradict	contradict	VERB
afbr-1009	29	4	the	the	DET
afbr-1009	29	5	study	study	NOUN
afbr-1009	29	6	from	from	ADP
afbr-1009	29	7	(	(	PUNCT
afbr-1009	29	8	falahati	falahati	PROPN
afbr-1009	29	9	,	,	PUNCT
afbr-1009	29	10	sabri	sabri	NOUN
afbr-1009	29	11	,	,	PUNCT
afbr-1009	29	12	&	&	CCONJ
afbr-1009	29	13	paim	paim	NOUN
afbr-1009	29	14	,	,	PUNCT
afbr-1009	29	15	2012	2012	NUM
afbr-1009	29	16	)	)	PUNCT
afbr-1009	29	17	which	which	PRON
afbr-1009	29	18	gives	give	VERB
afbr-1009	29	19	significant	significant	ADJ
afbr-1009	29	20	negative	negative	ADJ
afbr-1009	29	21	results	result	NOUN
afbr-1009	29	22	and	and	CCONJ
afbr-1009	29	23	with	with	ADP
afbr-1009	29	24	positive	positive	ADJ
afbr-1009	29	25	and	and	CCONJ
afbr-1009	29	26	insignificant	insignificant	ADJ
afbr-1009	29	27	results	result	NOUN
afbr-1009	29	28	(	(	PUNCT
afbr-1009	29	29	ismail	ismail	NOUN
afbr-1009	29	30	et	et	PROPN
afbr-1009	29	31	al	al	PROPN
afbr-1009	29	32	.	.	PROPN
afbr-1009	29	33	,	,	PUNCT
afbr-1009	29	34	2017	2017	NUM
afbr-1009	29	35	)	)	PUNCT
afbr-1009	29	36	.	.	PUNCT
afbr-1009	30	1	the	the	DET
afbr-1009	30	2	effect	effect	NOUN
afbr-1009	30	3	of	of	ADP
afbr-1009	30	4	financial	financial	ADJ
afbr-1009	30	5	knowledge	knowledge	NOUN
afbr-1009	30	6	on	on	ADP
afbr-1009	30	7	financial	financial	ADJ
afbr-1009	30	8	behavior	behavior	NOUN
afbr-1009	30	9	in	in	ADP
afbr-1009	30	10	research	research	NOUN
afbr-1009	30	11	from	from	ADP
afbr-1009	30	12	arifin	arifin	PROPN
afbr-1009	30	13	,	,	PUNCT
afbr-1009	30	14	2018	2018	NUM
afbr-1009	30	15	showed	show	VERB
afbr-1009	30	16	significant	significant	ADJ
afbr-1009	30	17	positive	positive	ADJ
afbr-1009	30	18	results	result	NOUN
afbr-1009	30	19	(	(	PUNCT
afbr-1009	30	20	arifin	arifin	PROPN
afbr-1009	30	21	,	,	PUNCT
afbr-1009	30	22	2018	2018	NUM
afbr-1009	30	23	.	.	PUNCT
afbr-1009	31	1	while	while	SCONJ
afbr-1009	31	2	yong	yong	PROPN
afbr-1009	31	3	,	,	PUNCT
afbr-1009	31	4	yew	yew	PROPN
afbr-1009	31	5	,	,	PUNCT
afbr-1009	31	6	&	&	CCONJ
afbr-1009	31	7	wee	wee	PROPN
afbr-1009	31	8	,	,	PUNCT
afbr-1009	31	9	2018	2018	NUM
afbr-1009	31	10	on	on	ADP
afbr-1009	31	11	the	the	DET
afbr-1009	31	12	same	same	ADJ
afbr-1009	31	13	variable	variable	NOUN
afbr-1009	31	14	gives	give	VERB
afbr-1009	31	15	positive	positive	ADJ
afbr-1009	31	16	and	and	CCONJ
afbr-1009	31	17	insignificant	insignificant	ADJ
afbr-1009	31	18	results	result	NOUN
afbr-1009	31	19	(	(	PUNCT
afbr-1009	31	20	yong	yong	PROPN
afbr-1009	31	21	,	,	PUNCT
afbr-1009	31	22	yew	yew	PROPN
afbr-1009	31	23	,	,	PUNCT
afbr-1009	31	24	&	&	CCONJ
afbr-1009	31	25	wee	wee	ADJ
afbr-1009	31	26	,	,	PUNCT
afbr-1009	31	27	2018	2018	NUM
afbr-1009	31	28	)	)	PUNCT
afbr-1009	31	29	.	.	PUNCT
afbr-1009	32	1	based	base	VERB
afbr-1009	32	2	on	on	ADP
afbr-1009	32	3	the	the	DET
afbr-1009	32	4	description	description	NOUN
afbr-1009	32	5	of	of	ADP
afbr-1009	32	6	phenomena	phenomenon	NOUN
afbr-1009	32	7	,	,	PUNCT
afbr-1009	32	8	existing	exist	VERB
afbr-1009	32	9	research	research	NOUN
afbr-1009	32	10	gaps	gap	NOUN
afbr-1009	32	11	,	,	PUNCT
afbr-1009	32	12	and	and	CCONJ
afbr-1009	32	13	theoretical	theoretical	ADJ
afbr-1009	32	14	gaps	gap	NOUN
afbr-1009	32	15	,	,	PUNCT
afbr-1009	32	16	it	it	PRON
afbr-1009	32	17	will	will	AUX
afbr-1009	32	18	be	be	AUX
afbr-1009	32	19	interesting	interesting	ADJ
afbr-1009	32	20	research	research	NOUN
afbr-1009	32	21	to	to	PART
afbr-1009	32	22	discuss	discuss	VERB
afbr-1009	32	23	more	more	ADJ
afbr-1009	32	24	the	the	DET
afbr-1009	32	25	financial	financial	ADJ
afbr-1009	32	26	behavior	behavior	NOUN
afbr-1009	32	27	of	of	ADP
afbr-1009	32	28	ibtpi	ibtpi	NOUN
afbr-1009	32	29	students	student	NOUN
afbr-1009	32	30	in	in	ADP
afbr-1009	32	31	2019	2019	NUM
afbr-1009	32	32	.	.	PUNCT
afbr-1009	33	1	combined	combine	VERB
afbr-1009	33	2	with	with	ADP
afbr-1009	33	3	this	this	DET
afbr-1009	33	4	research	research	NOUN
afbr-1009	33	5	,	,	PUNCT
afbr-1009	33	6	it	it	PRON
afbr-1009	33	7	can	can	AUX
afbr-1009	33	8	increase	increase	VERB
afbr-1009	33	9	their	their	PRON
afbr-1009	33	10	awareness	awareness	NOUN
afbr-1009	33	11	that	that	SCONJ
afbr-1009	33	12	financial	financial	ADJ
afbr-1009	33	13	maturity	maturity	NOUN
afbr-1009	33	14	will	will	AUX
afbr-1009	33	15	be	be	AUX
afbr-1009	33	16	very	very	ADV
afbr-1009	33	17	beneficial	beneficial	ADJ
afbr-1009	33	18	for	for	ADP
afbr-1009	33	19	this	this	DET
afbr-1009	33	20	generation	generation	NOUN
afbr-1009	33	21	to	to	PART
afbr-1009	33	22	face	face	VERB
afbr-1009	33	23	the	the	DET
afbr-1009	33	24	future	future	NOUN
afbr-1009	33	25	.	.	PUNCT
afbr-1009	34	1	thus	thus	ADV
afbr-1009	34	2	,	,	PUNCT
afbr-1009	34	3	this	this	DET
afbr-1009	34	4	research	research	NOUN
afbr-1009	34	5	has	have	AUX
afbr-1009	34	6	aimed	aim	VERB
afbr-1009	34	7	to	to	PART
afbr-1009	34	8	explore	explore	VERB
afbr-1009	34	9	the	the	DET
afbr-1009	34	10	most	most	ADV
afbr-1009	34	11	https://www.cribfb.com/journal/index.php/afbr	https://www.cribfb.com/journal/index.php/afbr	ADJ
afbr-1009	34	12	australian	australian	ADJ
afbr-1009	34	13	finance	finance	NOUN
afbr-1009	34	14	&	&	CCONJ
afbr-1009	34	15	banking	banking	PROPN
afbr-1009	34	16	review	review	PROPN
afbr-1009	34	17	vol	vol	NOUN
afbr-1009	34	18	.	.	PROPN
afbr-1009	35	1	5	5	NUM
afbr-1009	35	2	,	,	PUNCT
afbr-1009	35	3	no	no	INTJ
afbr-1009	35	4	.	.	NOUN
afbr-1009	35	5	1	1	NUM
afbr-1009	35	6	;	;	PUNCT
afbr-1009	35	7	2021	2021	NUM
afbr-1009	35	8	17	17	NUM
afbr-1009	35	9	influential	influential	ADJ
afbr-1009	35	10	factors	factor	NOUN
afbr-1009	35	11	on	on	ADP
afbr-1009	35	12	the	the	DET
afbr-1009	35	13	financial	financial	ADJ
afbr-1009	35	14	behavior	behavior	NOUN
afbr-1009	35	15	in	in	ADP
afbr-1009	35	16	among	among	ADP
afbr-1009	35	17	graduate	graduate	ADJ
afbr-1009	35	18	students	student	NOUN
afbr-1009	35	19	in	in	ADP
afbr-1009	35	20	indonesia	indonesia	PROPN
afbr-1009	35	21	.	.	PUNCT
afbr-1009	36	1	it	it	PRON
afbr-1009	36	2	is	be	AUX
afbr-1009	36	3	hoped	hope	VERB
afbr-1009	36	4	that	that	SCONJ
afbr-1009	36	5	the	the	DET
afbr-1009	36	6	results	result	NOUN
afbr-1009	36	7	of	of	ADP
afbr-1009	36	8	this	this	DET
afbr-1009	36	9	study	study	NOUN
afbr-1009	36	10	can	can	AUX
afbr-1009	36	11	be	be	AUX
afbr-1009	36	12	beneficial	beneficial	ADJ
afbr-1009	36	13	for	for	ADP
afbr-1009	36	14	the	the	DET
afbr-1009	36	15	development	development	NOUN
afbr-1009	36	16	of	of	ADP
afbr-1009	36	17	education	education	NOUN
afbr-1009	36	18	both	both	CCONJ
afbr-1009	36	19	theoretically	theoretically	ADV
afbr-1009	36	20	and	and	CCONJ
afbr-1009	36	21	practically	practically	ADV
afbr-1009	36	22	.	.	PUNCT
afbr-1009	37	1	the	the	DET
afbr-1009	37	2	theoretical	theoretical	ADJ
afbr-1009	37	3	benefit	benefit	NOUN
afbr-1009	37	4	is	be	AUX
afbr-1009	37	5	that	that	SCONJ
afbr-1009	37	6	this	this	DET
afbr-1009	37	7	research	research	NOUN
afbr-1009	37	8	will	will	AUX
afbr-1009	37	9	be	be	AUX
afbr-1009	37	10	a	a	DET
afbr-1009	37	11	scientific	scientific	ADJ
afbr-1009	37	12	development	development	NOUN
afbr-1009	37	13	in	in	ADP
afbr-1009	37	14	the	the	DET
afbr-1009	37	15	field	field	NOUN
afbr-1009	37	16	of	of	ADP
afbr-1009	37	17	personal	personal	ADJ
afbr-1009	37	18	financial	financial	ADJ
afbr-1009	37	19	management	management	NOUN
afbr-1009	37	20	and	and	CCONJ
afbr-1009	37	21	human	human	ADJ
afbr-1009	37	22	resource	resource	NOUN
afbr-1009	37	23	management	management	NOUN
afbr-1009	37	24	.	.	PUNCT
afbr-1009	38	1	this	this	DET
afbr-1009	38	2	research	research	NOUN
afbr-1009	38	3	is	be	AUX
afbr-1009	38	4	also	also	ADV
afbr-1009	38	5	useful	useful	ADJ
afbr-1009	38	6	as	as	ADP
afbr-1009	38	7	reference	reference	NOUN
afbr-1009	38	8	material	material	NOUN
afbr-1009	38	9	for	for	ADP
afbr-1009	38	10	academics	academic	NOUN
afbr-1009	38	11	and	and	CCONJ
afbr-1009	38	12	also	also	ADV
afbr-1009	38	13	this	this	DET
afbr-1009	38	14	research	research	NOUN
afbr-1009	38	15	can	can	AUX
afbr-1009	38	16	subsequently	subsequently	ADV
afbr-1009	38	17	be	be	AUX
afbr-1009	38	18	a	a	DET
afbr-1009	38	19	reference	reference	NOUN
afbr-1009	38	20	for	for	ADP
afbr-1009	38	21	future	future	ADJ
afbr-1009	38	22	researchers	researcher	NOUN
afbr-1009	38	23	.	.	PUNCT
afbr-1009	39	1	literature	literature	NOUN
afbr-1009	39	2	review	review	VERB
afbr-1009	39	3	financial	financial	ADJ
afbr-1009	39	4	behavior	behavior	NOUN
afbr-1009	39	5	financial	financial	ADJ
afbr-1009	39	6	behavior	behavior	NOUN
afbr-1009	39	7	is	be	AUX
afbr-1009	39	8	human	human	ADJ
afbr-1009	39	9	behavior	behavior	NOUN
afbr-1009	39	10	related	relate	VERB
afbr-1009	39	11	to	to	ADP
afbr-1009	39	12	financial	financial	ADJ
afbr-1009	39	13	management	management	NOUN
afbr-1009	39	14	.	.	PUNCT
afbr-1009	40	1	financial	financial	ADJ
afbr-1009	40	2	behavior	behavior	NOUN
afbr-1009	40	3	is	be	AUX
afbr-1009	40	4	a	a	DET
afbr-1009	40	5	combination	combination	NOUN
afbr-1009	40	6	of	of	ADP
afbr-1009	40	7	cash	cash	NOUN
afbr-1009	40	8	flow	flow	NOUN
afbr-1009	40	9	management	management	NOUN
afbr-1009	40	10	,	,	PUNCT
afbr-1009	40	11	credit	credit	NOUN
afbr-1009	40	12	management	management	NOUN
afbr-1009	40	13	,	,	PUNCT
afbr-1009	40	14	savings	saving	NOUN
afbr-1009	40	15	,	,	PUNCT
afbr-1009	40	16	and	and	CCONJ
afbr-1009	40	17	investment	investment	NOUN
afbr-1009	40	18	.	.	PUNCT
afbr-1009	41	1	financial	financial	ADJ
afbr-1009	41	2	behavior	behavior	NOUN
afbr-1009	41	3	is	be	AUX
afbr-1009	41	4	related	relate	VERB
afbr-1009	41	5	to	to	ADP
afbr-1009	41	6	personal	personal	ADJ
afbr-1009	41	7	responsibility	responsibility	NOUN
afbr-1009	41	8	in	in	ADP
afbr-1009	41	9	financial	financial	ADJ
afbr-1009	41	10	management	management	NOUN
afbr-1009	41	11	.	.	PUNCT
afbr-1009	42	1	effective	effective	ADJ
afbr-1009	42	2	financial	financial	ADJ
afbr-1009	42	3	management	management	NOUN
afbr-1009	42	4	such	such	ADJ
afbr-1009	42	5	as	as	ADP
afbr-1009	42	6	setting	set	VERB
afbr-1009	42	7	a	a	DET
afbr-1009	42	8	budget	budget	NOUN
afbr-1009	42	9	and	and	CCONJ
afbr-1009	42	10	assessing	assess	VERB
afbr-1009	42	11	debt	debt	NOUN
afbr-1009	42	12	purchases	purchase	NOUN
afbr-1009	42	13	and	and	CCONJ
afbr-1009	42	14	retirement	retirement	NOUN
afbr-1009	42	15	needs	need	NOUN
afbr-1009	42	16	in	in	ADP
afbr-1009	42	17	a	a	DET
afbr-1009	42	18	reasonable	reasonable	ADJ
afbr-1009	42	19	time	time	NOUN
afbr-1009	42	20	.	.	PUNCT
afbr-1009	43	1	financial	financial	ADJ
afbr-1009	43	2	behavior	behavior	NOUN
afbr-1009	43	3	is	be	AUX
afbr-1009	43	4	the	the	DET
afbr-1009	43	5	attitude	attitude	NOUN
afbr-1009	43	6	and	and	CCONJ
afbr-1009	43	7	behavior	behavior	NOUN
afbr-1009	43	8	of	of	ADP
afbr-1009	43	9	someone	someone	PRON
afbr-1009	43	10	in	in	ADP
afbr-1009	43	11	managing	manage	VERB
afbr-1009	43	12	finances	finance	NOUN
afbr-1009	43	13	.	.	PUNCT
afbr-1009	44	1	expenditures	expenditure	NOUN
afbr-1009	44	2	and	and	CCONJ
afbr-1009	44	3	savings	saving	NOUN
afbr-1009	44	4	behavior	behavior	NOUN
afbr-1009	44	5	are	be	AUX
afbr-1009	44	6	used	use	VERB
afbr-1009	44	7	as	as	ADP
afbr-1009	44	8	benchmarks	benchmark	NOUN
afbr-1009	44	9	for	for	ADP
afbr-1009	44	10	research	research	NOUN
afbr-1009	44	11	.	.	PUNCT
afbr-1009	45	1	financial	financial	ADJ
afbr-1009	45	2	behavior	behavior	NOUN
afbr-1009	45	3	is	be	AUX
afbr-1009	45	4	related	relate	VERB
afbr-1009	45	5	to	to	ADP
afbr-1009	45	6	the	the	DET
afbr-1009	45	7	way	way	NOUN
afbr-1009	45	8	people	people	NOUN
afbr-1009	45	9	treat	treat	VERB
afbr-1009	45	10	,	,	PUNCT
afbr-1009	45	11	manage	manage	VERB
afbr-1009	45	12	,	,	PUNCT
afbr-1009	45	13	and	and	CCONJ
afbr-1009	45	14	use	use	VERB
afbr-1009	45	15	available	available	ADJ
afbr-1009	45	16	financial	financial	ADJ
afbr-1009	45	17	resources	resource	NOUN
afbr-1009	45	18	.	.	PUNCT
afbr-1009	46	1	financial	financial	ADJ
afbr-1009	46	2	behavior	behavior	NOUN
afbr-1009	46	3	can	can	AUX
afbr-1009	46	4	be	be	AUX
afbr-1009	46	5	measured	measure	VERB
afbr-1009	46	6	in	in	ADP
afbr-1009	46	7	several	several	ADJ
afbr-1009	46	8	ways	way	NOUN
afbr-1009	46	9	:	:	PUNCT
afbr-1009	46	10	(	(	PUNCT
afbr-1009	46	11	1	1	X
afbr-1009	46	12	)	)	PUNCT
afbr-1009	46	13	expenses	expense	NOUN
afbr-1009	46	14	,	,	PUNCT
afbr-1009	46	15	(	(	PUNCT
afbr-1009	46	16	2	2	X
afbr-1009	46	17	)	)	PUNCT
afbr-1009	46	18	payment	payment	NOUN
afbr-1009	46	19	of	of	ADP
afbr-1009	46	20	bills	bill	NOUN
afbr-1009	46	21	,	,	PUNCT
afbr-1009	46	22	(	(	PUNCT
afbr-1009	46	23	3	3	X
afbr-1009	46	24	)	)	PUNCT
afbr-1009	46	25	financial	financial	ADJ
afbr-1009	46	26	planning	planning	NOUN
afbr-1009	46	27	,	,	PUNCT
afbr-1009	46	28	(	(	PUNCT
afbr-1009	46	29	4	4	X
afbr-1009	46	30	)	)	PUNCT
afbr-1009	46	31	providing	provide	VERB
afbr-1009	46	32	money	money	NOUN
afbr-1009	46	33	for	for	ADP
afbr-1009	46	34	yourself	yourself	PRON
afbr-1009	46	35	and	and	CCONJ
afbr-1009	46	36	family	family	NOUN
afbr-1009	46	37	,	,	PUNCT
afbr-1009	46	38	(	(	PUNCT
afbr-1009	46	39	5	5	X
afbr-1009	46	40	)	)	PUNCT
afbr-1009	46	41	savings	saving	NOUN
afbr-1009	46	42	(	(	PUNCT
afbr-1009	46	43	arifin	arifin	PROPN
afbr-1009	46	44	,	,	PUNCT
afbr-1009	46	45	2018	2018	NUM
afbr-1009	46	46	)	)	PUNCT
afbr-1009	46	47	.	.	PUNCT
afbr-1009	47	1	theory	theory	NOUN
afbr-1009	47	2	of	of	ADP
afbr-1009	47	3	planned	plan	VERB
afbr-1009	47	4	behavior	behavior	NOUN
afbr-1009	47	5	(	(	PUNCT
afbr-1009	47	6	tpb	tpb	NOUN
afbr-1009	47	7	)	)	PUNCT
afbr-1009	47	8	,	,	PUNCT
afbr-1009	47	9	which	which	PRON
afbr-1009	47	10	is	be	AUX
afbr-1009	47	11	related	relate	VERB
afbr-1009	47	12	to	to	ADP
afbr-1009	47	13	rational	rational	ADJ
afbr-1009	47	14	actions	action	NOUN
afbr-1009	47	15	on	on	ADP
afbr-1009	47	16	the	the	DET
afbr-1009	47	17	assumption	assumption	NOUN
afbr-1009	47	18	that	that	SCONJ
afbr-1009	47	19	humans	human	NOUN
afbr-1009	47	20	take	take	VERB
afbr-1009	47	21	logical	logical	ADJ
afbr-1009	47	22	actions	action	NOUN
afbr-1009	47	23	and	and	CCONJ
afbr-1009	47	24	consider	consider	VERB
afbr-1009	47	25	all	all	DET
afbr-1009	47	26	available	available	ADJ
afbr-1009	47	27	information	information	NOUN
afbr-1009	47	28	to	to	PART
afbr-1009	47	29	directly	directly	ADV
afbr-1009	47	30	or	or	CCONJ
afbr-1009	47	31	indirectly	indirectly	ADV
afbr-1009	47	32	calculate	calculate	VERB
afbr-1009	47	33	the	the	DET
afbr-1009	47	34	impact	impact	NOUN
afbr-1009	47	35	of	of	ADP
afbr-1009	47	36	their	their	PRON
afbr-1009	47	37	actions	action	NOUN
afbr-1009	47	38	.	.	PUNCT
afbr-1009	48	1	in	in	ADP
afbr-1009	48	2	addition	addition	NOUN
afbr-1009	48	3	,	,	PUNCT
afbr-1009	48	4	this	this	DET
afbr-1009	48	5	theory	theory	NOUN
afbr-1009	48	6	of	of	ADP
afbr-1009	48	7	planned	plan	VERB
afbr-1009	48	8	behavior	behavior	NOUN
afbr-1009	48	9	adds	add	VERB
afbr-1009	48	10	a	a	DET
afbr-1009	48	11	third	third	ADJ
afbr-1009	48	12	factor	factor	NOUN
afbr-1009	48	13	,	,	PUNCT
afbr-1009	48	14	control	control	NOUN
afbr-1009	48	15	of	of	ADP
afbr-1009	48	16	the	the	DET
afbr-1009	48	17	trust	trust	NOUN
afbr-1009	48	18	(	(	PUNCT
afbr-1009	48	19	arifin	arifin	PROPN
afbr-1009	48	20	,	,	PUNCT
afbr-1009	48	21	2017	2017	NUM
afbr-1009	48	22	)	)	PUNCT
afbr-1009	48	23	.	.	PUNCT
afbr-1009	49	1	the	the	DET
afbr-1009	49	2	theory	theory	NOUN
afbr-1009	49	3	of	of	ADP
afbr-1009	49	4	planned	plan	VERB
afbr-1009	49	5	behavior	behavior	NOUN
afbr-1009	49	6	explains	explain	VERB
afbr-1009	49	7	that	that	SCONJ
afbr-1009	49	8	individual	individual	ADJ
afbr-1009	49	9	behavior	behavior	NOUN
afbr-1009	49	10	arises	arise	VERB
afbr-1009	49	11	because	because	SCONJ
afbr-1009	49	12	of	of	ADP
afbr-1009	49	13	intention	intention	NOUN
afbr-1009	49	14	.	.	PUNCT
afbr-1009	50	1	behavioral	behavioral	ADJ
afbr-1009	50	2	intentions	intention	NOUN
afbr-1009	50	3	are	be	AUX
afbr-1009	50	4	determined	determine	VERB
afbr-1009	50	5	by	by	ADP
afbr-1009	50	6	three	three	NUM
afbr-1009	50	7	factors	factor	NOUN
afbr-1009	50	8	,	,	PUNCT
afbr-1009	50	9	namely	namely	ADV
afbr-1009	50	10	:	:	PUNCT
afbr-1009	50	11	(	(	PUNCT
afbr-1009	50	12	1	1	X
afbr-1009	50	13	)	)	PUNCT
afbr-1009	50	14	behavioral	behavioral	ADJ
afbr-1009	50	15	beliefs	belief	NOUN
afbr-1009	50	16	,	,	PUNCT
afbr-1009	50	17	which	which	PRON
afbr-1009	50	18	are	be	AUX
afbr-1009	50	19	individual	individual	ADJ
afbr-1009	50	20	beliefs	belief	NOUN
afbr-1009	50	21	about	about	ADP
afbr-1009	50	22	the	the	DET
afbr-1009	50	23	results	result	NOUN
afbr-1009	50	24	to	to	PART
afbr-1009	50	25	be	be	AUX
afbr-1009	50	26	obtained	obtain	VERB
afbr-1009	50	27	,	,	PUNCT
afbr-1009	50	28	and	and	CCONJ
afbr-1009	50	29	evaluation	evaluation	NOUN
afbr-1009	50	30	of	of	ADP
afbr-1009	50	31	results	result	NOUN
afbr-1009	50	32	,	,	PUNCT
afbr-1009	50	33	(	(	PUNCT
afbr-1009	50	34	2	2	X
afbr-1009	50	35	)	)	PUNCT
afbr-1009	50	36	normative	normative	ADJ
afbr-1009	50	37	beliefs	belief	NOUN
afbr-1009	50	38	,	,	PUNCT
afbr-1009	50	39	are	be	AUX
afbr-1009	50	40	motivations	motivation	NOUN
afbr-1009	50	41	for	for	ADP
afbr-1009	50	42	achieving	achieve	VERB
afbr-1009	50	43	expectations	expectation	NOUN
afbr-1009	50	44	for	for	ADP
afbr-1009	50	45	normative	normative	ADJ
afbr-1009	50	46	expectations	expectation	NOUN
afbr-1009	50	47	together	together	ADV
afbr-1009	50	48	with	with	ADP
afbr-1009	50	49	others	other	NOUN
afbr-1009	50	50	,	,	PUNCT
afbr-1009	50	51	and	and	CCONJ
afbr-1009	50	52	(	(	PUNCT
afbr-1009	50	53	3	3	X
afbr-1009	50	54	)	)	PUNCT
afbr-1009	50	55	control	control	NOUN
afbr-1009	50	56	of	of	ADP
afbr-1009	50	57	belief	belief	NOUN
afbr-1009	50	58	,	,	PUNCT
afbr-1009	50	59	namely	namely	ADV
afbr-1009	50	60	the	the	DET
afbr-1009	50	61	existence	existence	NOUN
afbr-1009	50	62	of	of	ADP
afbr-1009	50	63	things	thing	NOUN
afbr-1009	50	64	that	that	PRON
afbr-1009	50	65	support	support	VERB
afbr-1009	50	66	or	or	CCONJ
afbr-1009	50	67	hinder	hinder	VERB
afbr-1009	50	68	the	the	DET
afbr-1009	50	69	behavior	behavior	NOUN
afbr-1009	50	70	that	that	PRON
afbr-1009	50	71	arises	arise	VERB
afbr-1009	50	72	,	,	PUNCT
afbr-1009	50	73	and	and	CCONJ
afbr-1009	50	74	how	how	SCONJ
afbr-1009	50	75	strong	strong	ADJ
afbr-1009	50	76	the	the	DET
afbr-1009	50	77	support	support	NOUN
afbr-1009	50	78	or	or	CCONJ
afbr-1009	50	79	resistance	resistance	NOUN
afbr-1009	50	80	is	be	AUX
afbr-1009	50	81	(	(	PUNCT
afbr-1009	50	82	arifin	arifin	PROPN
afbr-1009	50	83	,	,	PUNCT
afbr-1009	50	84	2018	2018	NUM
afbr-1009	50	85	)	)	PUNCT
afbr-1009	50	86	.	.	PUNCT
afbr-1009	51	1	according	accord	VERB
afbr-1009	51	2	to	to	ADP
afbr-1009	51	3	the	the	DET
afbr-1009	51	4	theory	theory	NOUN
afbr-1009	51	5	of	of	ADP
afbr-1009	51	6	rational	rational	ADJ
afbr-1009	51	7	behavior	behavior	NOUN
afbr-1009	51	8	,	,	PUNCT
afbr-1009	51	9	every	every	DET
afbr-1009	51	10	time	time	NOUN
afbr-1009	51	11	someone	someone	PRON
afbr-1009	51	12	sees	see	VERB
afbr-1009	51	13	that	that	SCONJ
afbr-1009	51	14	the	the	DET
afbr-1009	51	15	behavior	behavior	NOUN
afbr-1009	51	16	is	be	AUX
afbr-1009	51	17	positive	positive	ADJ
afbr-1009	51	18	,	,	PUNCT
afbr-1009	51	19	and	and	CCONJ
afbr-1009	51	20	every	every	DET
afbr-1009	51	21	time	time	NOUN
afbr-1009	51	22	the	the	DET
afbr-1009	51	23	individual	individual	NOUN
afbr-1009	51	24	thinks	think	VERB
afbr-1009	51	25	that	that	SCONJ
afbr-1009	51	26	someone	someone	PRON
afbr-1009	51	27	wants	want	VERB
afbr-1009	51	28	it	it	PRON
afbr-1009	51	29	,	,	PUNCT
afbr-1009	51	30	he	he	PRON
afbr-1009	51	31	will	will	AUX
afbr-1009	51	32	act	act	VERB
afbr-1009	51	33	.	.	PUNCT
afbr-1009	52	1	a	a	DET
afbr-1009	52	2	person	person	NOUN
afbr-1009	52	3	's	's	PART
afbr-1009	52	4	intention	intention	NOUN
afbr-1009	52	5	to	to	PART
afbr-1009	52	6	do	do	AUX
afbr-1009	52	7	something	something	PRON
afbr-1009	52	8	or	or	CCONJ
afbr-1009	52	9	not	not	PART
afbr-1009	52	10	to	to	PART
afbr-1009	52	11	do	do	VERB
afbr-1009	52	12	something	something	PRON
afbr-1009	52	13	is	be	AUX
afbr-1009	52	14	influenced	influence	VERB
afbr-1009	52	15	by	by	ADP
afbr-1009	52	16	two	two	NUM
afbr-1009	52	17	basic	basic	ADJ
afbr-1009	52	18	factors	factor	NOUN
afbr-1009	52	19	,	,	PUNCT
afbr-1009	52	20	namely	namely	ADV
afbr-1009	52	21	attitudes	attitude	NOUN
afbr-1009	52	22	derived	derive	VERB
afbr-1009	52	23	from	from	ADP
afbr-1009	52	24	behavioral	behavioral	ADJ
afbr-1009	52	25	beliefs	belief	NOUN
afbr-1009	52	26	and	and	CCONJ
afbr-1009	52	27	subjective	subjective	ADJ
afbr-1009	52	28	norms	norm	NOUN
afbr-1009	52	29	derived	derive	VERB
afbr-1009	52	30	from	from	ADP
afbr-1009	52	31	normative	normative	ADJ
afbr-1009	52	32	beliefs	belief	NOUN
afbr-1009	52	33	(	(	PUNCT
afbr-1009	52	34	arifin	arifin	PROPN
afbr-1009	52	35	,	,	PUNCT
afbr-1009	52	36	2017	2017	NUM
afbr-1009	52	37	)	)	PUNCT
afbr-1009	52	38	.	.	PUNCT
afbr-1009	53	1	the	the	DET
afbr-1009	53	2	literature	literature	NOUN
afbr-1009	53	3	shows	show	VERB
afbr-1009	53	4	that	that	SCONJ
afbr-1009	53	5	financial	financial	ADJ
afbr-1009	53	6	behavior	behavior	NOUN
afbr-1009	53	7	and	and	CCONJ
afbr-1009	53	8	financial	financial	ADJ
afbr-1009	53	9	management	management	NOUN
afbr-1009	53	10	can	can	AUX
afbr-1009	53	11	influence	influence	VERB
afbr-1009	53	12	the	the	DET
afbr-1009	53	13	financial	financial	ADJ
afbr-1009	53	14	situation	situation	NOUN
afbr-1009	53	15	.	.	PUNCT
afbr-1009	54	1	personal	personal	ADJ
afbr-1009	54	2	financial	financial	ADJ
afbr-1009	54	3	practices	practice	NOUN
afbr-1009	54	4	such	such	ADJ
afbr-1009	54	5	as	as	ADP
afbr-1009	54	6	cash	cash	NOUN
afbr-1009	54	7	management	management	NOUN
afbr-1009	54	8	,	,	PUNCT
afbr-1009	54	9	credit	credit	NOUN
afbr-1009	54	10	management	management	NOUN
afbr-1009	54	11	,	,	PUNCT
afbr-1009	54	12	budgeting	budgeting	NOUN
afbr-1009	54	13	,	,	PUNCT
afbr-1009	54	14	financial	financial	ADJ
afbr-1009	54	15	planning	planning	NOUN
afbr-1009	54	16	,	,	PUNCT
afbr-1009	54	17	and	and	CCONJ
afbr-1009	54	18	general	general	ADJ
afbr-1009	54	19	fund	fund	NOUN
afbr-1009	54	20	management	management	NOUN
afbr-1009	54	21	have	have	VERB
afbr-1009	54	22	the	the	DET
afbr-1009	54	23	greatest	great	ADJ
afbr-1009	54	24	impact	impact	NOUN
afbr-1009	54	25	on	on	ADP
afbr-1009	54	26	personal	personal	ADJ
afbr-1009	54	27	financial	financial	ADJ
afbr-1009	54	28	satisfaction	satisfaction	NOUN
afbr-1009	54	29	(	(	PUNCT
afbr-1009	54	30	sabri	sabri	NOUN
afbr-1009	54	31	,	,	PUNCT
afbr-1009	54	32	paim	paim	NOUN
afbr-1009	54	33	,	,	PUNCT
afbr-1009	54	34	falahati	falahati	PROPN
afbr-1009	54	35	,	,	PUNCT
afbr-1009	54	36	&	&	CCONJ
afbr-1009	54	37	masud	masud	PROPN
afbr-1009	54	38	,	,	PUNCT
afbr-1009	54	39	2013	2013	NUM
afbr-1009	54	40	)	)	PUNCT
afbr-1009	54	41	.	.	PUNCT
afbr-1009	55	1	financial	financial	ADJ
afbr-1009	55	2	or	or	CCONJ
afbr-1009	55	3	money	money	NOUN
afbr-1009	55	4	attitude	attitude	NOUN
afbr-1009	55	5	individual	individual	ADJ
afbr-1009	55	6	attitudes	attitude	NOUN
afbr-1009	55	7	towards	towards	ADP
afbr-1009	55	8	money	money	NOUN
afbr-1009	55	9	can	can	AUX
afbr-1009	55	10	determine	determine	VERB
afbr-1009	55	11	their	their	PRON
afbr-1009	55	12	personality	personality	NOUN
afbr-1009	55	13	and	and	CCONJ
afbr-1009	55	14	management	management	NOUN
afbr-1009	55	15	style	style	NOUN
afbr-1009	55	16	.	.	PUNCT
afbr-1009	56	1	attitude	attitude	NOUN
afbr-1009	56	2	is	be	AUX
afbr-1009	56	3	a	a	DET
afbr-1009	56	4	subjective	subjective	ADJ
afbr-1009	56	5	tendency	tendency	NOUN
afbr-1009	56	6	to	to	PART
afbr-1009	56	7	do	do	AUX
afbr-1009	56	8	something	something	PRON
afbr-1009	56	9	and	and	CCONJ
afbr-1009	56	10	be	be	AUX
afbr-1009	56	11	expressed	express	VERB
afbr-1009	56	12	which	which	PRON
afbr-1009	56	13	will	will	AUX
afbr-1009	56	14	be	be	AUX
afbr-1009	56	15	demonstrated	demonstrate	VERB
afbr-1009	56	16	through	through	ADP
afbr-1009	56	17	the	the	DET
afbr-1009	56	18	evaluation	evaluation	NOUN
afbr-1009	56	19	of	of	ADP
afbr-1009	56	20	favorable	favorable	ADJ
afbr-1009	56	21	or	or	CCONJ
afbr-1009	56	22	unfavorable	unfavorable	ADJ
afbr-1009	56	23	objects	object	NOUN
afbr-1009	56	24	(	(	PUNCT
afbr-1009	56	25	susan	susan	NOUN
afbr-1009	56	26	,	,	PUNCT
afbr-1009	56	27	2018	2018	NUM
afbr-1009	56	28	)	)	PUNCT
afbr-1009	56	29	.	.	PUNCT
afbr-1009	57	1	in	in	ADP
afbr-1009	57	2	today	today	NOUN
afbr-1009	57	3	's	's	PART
afbr-1009	57	4	materialist	materialist	ADJ
afbr-1009	57	5	environment	environment	NOUN
afbr-1009	57	6	,	,	PUNCT
afbr-1009	57	7	money	money	NOUN
afbr-1009	57	8	is	be	AUX
afbr-1009	57	9	not	not	PART
afbr-1009	57	10	limited	limit	VERB
afbr-1009	57	11	to	to	ADP
afbr-1009	57	12	the	the	DET
afbr-1009	57	13	medium	medium	NOUN
afbr-1009	57	14	of	of	ADP
afbr-1009	57	15	exchange	exchange	NOUN
afbr-1009	57	16	,	,	PUNCT
afbr-1009	57	17	but	but	CCONJ
afbr-1009	57	18	also	also	ADV
afbr-1009	57	19	the	the	DET
afbr-1009	57	20	means	mean	NOUN
afbr-1009	57	21	to	to	PART
afbr-1009	57	22	achieve	achieve	VERB
afbr-1009	57	23	happiness	happiness	NOUN
afbr-1009	57	24	and	and	CCONJ
afbr-1009	57	25	prosperity	prosperity	NOUN
afbr-1009	57	26	.	.	PUNCT
afbr-1009	58	1	money	money	NOUN
afbr-1009	58	2	has	have	VERB
afbr-1009	58	3	four	four	NUM
afbr-1009	58	4	iconic	iconic	ADJ
afbr-1009	58	5	values	value	NOUN
afbr-1009	58	6	,	,	PUNCT
afbr-1009	58	7	namely	namely	ADV
afbr-1009	58	8	status	status	NOUN
afbr-1009	58	9	,	,	PUNCT
afbr-1009	58	10	respect	respect	NOUN
afbr-1009	58	11	,	,	PUNCT
afbr-1009	58	12	freedom	freedom	NOUN
afbr-1009	58	13	,	,	PUNCT
afbr-1009	58	14	and	and	CCONJ
afbr-1009	58	15	luxury	luxury	NOUN
afbr-1009	58	16	.	.	PUNCT
afbr-1009	59	1	materialistic	materialistic	ADJ
afbr-1009	59	2	or	or	CCONJ
afbr-1009	59	3	obsessed	obsess	VERB
afbr-1009	59	4	people	people	NOUN
afbr-1009	59	5	with	with	ADP
afbr-1009	59	6	money	money	NOUN
afbr-1009	59	7	are	be	AUX
afbr-1009	59	8	often	often	ADV
afbr-1009	59	9	more	more	ADV
afbr-1009	59	10	satisfied	satisfied	ADJ
afbr-1009	59	11	with	with	ADP
afbr-1009	59	12	their	their	PRON
afbr-1009	59	13	financial	financial	ADJ
afbr-1009	59	14	situation	situation	NOUN
afbr-1009	59	15	because	because	SCONJ
afbr-1009	59	16	of	of	ADP
afbr-1009	59	17	their	their	PRON
afbr-1009	59	18	ability	ability	NOUN
afbr-1009	59	19	to	to	PART
afbr-1009	59	20	satisfy	satisfy	VERB
afbr-1009	59	21	their	their	PRON
afbr-1009	59	22	material	material	ADJ
afbr-1009	59	23	desires	desire	NOUN
afbr-1009	59	24	.	.	PUNCT
afbr-1009	60	1	the	the	DET
afbr-1009	60	2	results	result	NOUN
afbr-1009	60	3	showed	show	VERB
afbr-1009	60	4	that	that	SCONJ
afbr-1009	60	5	the	the	DET
afbr-1009	60	6	https://www.cribfb.com/journal/index.php/afbr	https://www.cribfb.com/journal/index.php/afbr	ADJ
afbr-1009	60	7	australian	australian	ADJ
afbr-1009	60	8	finance	finance	NOUN
afbr-1009	60	9	&	&	CCONJ
afbr-1009	60	10	banking	banking	PROPN
afbr-1009	60	11	review	review	PROPN
afbr-1009	60	12	vol	vol	NOUN
afbr-1009	60	13	.	.	PROPN
afbr-1009	60	14	5	5	NUM
afbr-1009	60	15	,	,	PUNCT
afbr-1009	60	16	no	no	INTJ
afbr-1009	60	17	.	.	NOUN
afbr-1009	60	18	1	1	NUM
afbr-1009	60	19	;	;	PUNCT
afbr-1009	60	20	2021	2021	NUM
afbr-1009	60	21	18	18	NUM
afbr-1009	60	22	perception	perception	NOUN
afbr-1009	60	23	of	of	ADP
afbr-1009	60	24	individuals	individual	NOUN
afbr-1009	60	25	who	who	PRON
afbr-1009	60	26	have	have	VERB
afbr-1009	60	27	welfare	welfare	NOUN
afbr-1009	60	28	is	be	AUX
afbr-1009	60	29	determined	determine	VERB
afbr-1009	60	30	by	by	ADP
afbr-1009	60	31	their	their	PRON
afbr-1009	60	32	life	life	NOUN
afbr-1009	60	33	aspirations	aspiration	NOUN
afbr-1009	60	34	(	(	PUNCT
afbr-1009	60	35	sabri	sabri	NOUN
afbr-1009	60	36	&	&	CCONJ
afbr-1009	60	37	zakaria	zakaria	PROPN
afbr-1009	60	38	,	,	PUNCT
afbr-1009	60	39	2015	2015	NUM
afbr-1009	60	40	)	)	PUNCT
afbr-1009	60	41	.	.	PUNCT
afbr-1009	61	1	financial	financial	ADJ
afbr-1009	61	2	attitude	attitude	NOUN
afbr-1009	61	3	plays	play	VERB
afbr-1009	61	4	an	an	DET
afbr-1009	61	5	important	important	ADJ
afbr-1009	61	6	role	role	NOUN
afbr-1009	61	7	in	in	ADP
afbr-1009	61	8	determining	determine	VERB
afbr-1009	61	9	the	the	DET
afbr-1009	61	10	success	success	NOUN
afbr-1009	61	11	or	or	CCONJ
afbr-1009	61	12	failure	failure	NOUN
afbr-1009	61	13	of	of	ADP
afbr-1009	61	14	one	one	NUM
afbr-1009	61	15	's	's	PART
afbr-1009	61	16	financial	financial	ADJ
afbr-1009	61	17	behavior	behavior	NOUN
afbr-1009	61	18	.	.	PUNCT
afbr-1009	62	1	financial	financial	ADJ
afbr-1009	62	2	attitudes	attitude	NOUN
afbr-1009	62	3	are	be	AUX
afbr-1009	62	4	defined	define	VERB
afbr-1009	62	5	as	as	ADP
afbr-1009	62	6	psychological	psychological	ADJ
afbr-1009	62	7	tendencies	tendency	NOUN
afbr-1009	62	8	and	and	CCONJ
afbr-1009	62	9	are	be	AUX
afbr-1009	62	10	most	most	ADV
afbr-1009	62	11	easily	easily	ADV
afbr-1009	62	12	expressed	express	VERB
afbr-1009	62	13	by	by	ADP
afbr-1009	62	14	showing	show	VERB
afbr-1009	62	15	likes	like	NOUN
afbr-1009	62	16	or	or	CCONJ
afbr-1009	62	17	dislikes	dislike	NOUN
afbr-1009	62	18	.	.	PUNCT
afbr-1009	63	1	financial	financial	ADJ
afbr-1009	63	2	attitudes	attitude	NOUN
afbr-1009	63	3	that	that	PRON
afbr-1009	63	4	state	state	VERB
afbr-1009	63	5	the	the	DET
afbr-1009	63	6	level	level	NOUN
afbr-1009	63	7	of	of	ADP
afbr-1009	63	8	intelligence	intelligence	NOUN
afbr-1009	63	9	that	that	PRON
afbr-1009	63	10	agrees	agree	VERB
afbr-1009	63	11	or	or	CCONJ
afbr-1009	63	12	disagrees	disagree	VERB
afbr-1009	63	13	can	can	AUX
afbr-1009	63	14	help	help	VERB
afbr-1009	63	15	individuals	individual	NOUN
afbr-1009	63	16	manage	manage	VERB
afbr-1009	63	17	their	their	PRON
afbr-1009	63	18	finances	finance	NOUN
afbr-1009	63	19	.	.	PUNCT
afbr-1009	64	1	the	the	PRON
afbr-1009	64	2	higher	high	ADJ
afbr-1009	64	3	the	the	DET
afbr-1009	64	4	financial	financial	ADJ
afbr-1009	64	5	attitude	attitude	NOUN
afbr-1009	64	6	of	of	ADP
afbr-1009	64	7	a	a	DET
afbr-1009	64	8	person	person	NOUN
afbr-1009	64	9	,	,	PUNCT
afbr-1009	64	10	the	the	PRON
afbr-1009	64	11	higher	high	ADJ
afbr-1009	64	12	the	the	DET
afbr-1009	64	13	awareness	awareness	NOUN
afbr-1009	64	14	to	to	PART
afbr-1009	64	15	be	be	AUX
afbr-1009	64	16	responsible	responsible	ADJ
afbr-1009	64	17	for	for	ADP
afbr-1009	64	18	financial	financial	ADJ
afbr-1009	64	19	use	use	NOUN
afbr-1009	64	20	,	,	PUNCT
afbr-1009	64	21	so	so	SCONJ
afbr-1009	64	22	that	that	SCONJ
afbr-1009	64	23	it	it	PRON
afbr-1009	64	24	will	will	AUX
afbr-1009	64	25	have	have	VERB
afbr-1009	64	26	a	a	DET
afbr-1009	64	27	positive	positive	ADJ
afbr-1009	64	28	impact	impact	NOUN
afbr-1009	64	29	on	on	ADP
afbr-1009	64	30	financial	financial	ADJ
afbr-1009	64	31	behavior	behavior	NOUN
afbr-1009	64	32	(	(	PUNCT
afbr-1009	64	33	arifin	arifin	PROPN
afbr-1009	64	34	,	,	PUNCT
afbr-1009	64	35	2018	2018	NUM
afbr-1009	64	36	)	)	PUNCT
afbr-1009	64	37	.	.	PUNCT
afbr-1009	65	1	financial	financial	ADJ
afbr-1009	65	2	attitude	attitude	NOUN
afbr-1009	65	3	is	be	AUX
afbr-1009	65	4	defined	define	VERB
afbr-1009	65	5	as	as	ADP
afbr-1009	65	6	a	a	DET
afbr-1009	65	7	person	person	NOUN
afbr-1009	65	8	's	's	PART
afbr-1009	65	9	state	state	NOUN
afbr-1009	65	10	of	of	ADP
afbr-1009	65	11	mind	mind	NOUN
afbr-1009	65	12	,	,	PUNCT
afbr-1009	65	13	opinion	opinion	NOUN
afbr-1009	65	14	,	,	PUNCT
afbr-1009	65	15	and	and	CCONJ
afbr-1009	65	16	judgment	judgment	NOUN
afbr-1009	65	17	about	about	ADP
afbr-1009	65	18	finance	finance	NOUN
afbr-1009	65	19	.	.	PUNCT
afbr-1009	66	1	based	base	VERB
afbr-1009	66	2	on	on	ADP
afbr-1009	66	3	the	the	DET
afbr-1009	66	4	theory	theory	NOUN
afbr-1009	66	5	of	of	ADP
afbr-1009	66	6	social	social	ADJ
afbr-1009	66	7	learning	learning	NOUN
afbr-1009	66	8	there	there	PRON
afbr-1009	66	9	is	be	VERB
afbr-1009	66	10	a	a	DET
afbr-1009	66	11	three	three	NUM
afbr-1009	66	12	-	-	PUNCT
afbr-1009	66	13	way	way	NOUN
afbr-1009	66	14	relationship	relationship	NOUN
afbr-1009	66	15	that	that	PRON
afbr-1009	66	16	locks	lock	VERB
afbr-1009	66	17	one	one	NUM
afbr-1009	66	18	another	another	DET
afbr-1009	66	19	,	,	PUNCT
afbr-1009	66	20	namely	namely	ADV
afbr-1009	66	21	behavior	behavior	NOUN
afbr-1009	66	22	,	,	PUNCT
afbr-1009	66	23	environment	environment	NOUN
afbr-1009	66	24	,	,	PUNCT
afbr-1009	66	25	and	and	CCONJ
afbr-1009	66	26	events	event	NOUN
afbr-1009	66	27	that	that	PRON
afbr-1009	66	28	affect	affect	VERB
afbr-1009	66	29	perceptions	perception	NOUN
afbr-1009	66	30	and	and	CCONJ
afbr-1009	66	31	actions	action	NOUN
afbr-1009	66	32	.	.	PUNCT
afbr-1009	67	1	events	event	NOUN
afbr-1009	67	2	in	in	ADP
afbr-1009	67	3	influencing	influence	VERB
afbr-1009	67	4	perceptions	perception	NOUN
afbr-1009	67	5	and	and	CCONJ
afbr-1009	67	6	actions	action	NOUN
afbr-1009	67	7	in	in	ADP
afbr-1009	67	8	this	this	DET
afbr-1009	67	9	study	study	NOUN
afbr-1009	67	10	are	be	AUX
afbr-1009	67	11	financial	financial	ADJ
afbr-1009	67	12	attitudes	attitude	NOUN
afbr-1009	67	13	and	and	CCONJ
afbr-1009	67	14	financial	financial	ADJ
afbr-1009	67	15	management	management	NOUN
afbr-1009	67	16	behaviors	behavior	NOUN
afbr-1009	67	17	.	.	PUNCT
afbr-1009	68	1	financial	financial	ADJ
afbr-1009	68	2	management	management	NOUN
afbr-1009	68	3	behavior	behavior	NOUN
afbr-1009	68	4	can	can	AUX
afbr-1009	68	5	be	be	AUX
afbr-1009	68	6	started	start	VERB
afbr-1009	68	7	properly	properly	ADV
afbr-1009	68	8	and	and	CCONJ
afbr-1009	68	9	correctly	correctly	ADV
afbr-1009	68	10	by	by	ADP
afbr-1009	68	11	applying	apply	VERB
afbr-1009	68	12	good	good	ADJ
afbr-1009	68	13	and	and	CCONJ
afbr-1009	68	14	correct	correct	ADJ
afbr-1009	68	15	financial	financial	ADJ
afbr-1009	68	16	attitudes	attitude	NOUN
afbr-1009	68	17	(	(	PUNCT
afbr-1009	68	18	ameliawati	ameliawati	PROPN
afbr-1009	68	19	&	&	CCONJ
afbr-1009	68	20	setiyani	setiyani	PROPN
afbr-1009	68	21	,	,	PUNCT
afbr-1009	68	22	2018	2018	NUM
afbr-1009	68	23	)	)	PUNCT
afbr-1009	68	24	.	.	PUNCT
afbr-1009	69	1	financial	financial	ADJ
afbr-1009	69	2	knowledge	knowledge	NOUN
afbr-1009	69	3	there	there	PRON
afbr-1009	69	4	are	be	VERB
afbr-1009	69	5	two	two	NUM
afbr-1009	69	6	main	main	ADJ
afbr-1009	69	7	branches	branch	NOUN
afbr-1009	69	8	of	of	ADP
afbr-1009	69	9	financial	financial	ADJ
afbr-1009	69	10	knowledge	knowledge	NOUN
afbr-1009	69	11	,	,	PUNCT
afbr-1009	69	12	namely	namely	ADV
afbr-1009	69	13	the	the	DET
afbr-1009	69	14	ability	ability	NOUN
afbr-1009	69	15	of	of	ADP
afbr-1009	69	16	respondents	respondent	NOUN
afbr-1009	69	17	to	to	PART
afbr-1009	69	18	use	use	VERB
afbr-1009	69	19	and	and	CCONJ
afbr-1009	69	20	apply	apply	VERB
afbr-1009	69	21	general	general	ADJ
afbr-1009	69	22	financial	financial	ADJ
afbr-1009	69	23	knowledge	knowledge	NOUN
afbr-1009	69	24	or	or	CCONJ
afbr-1009	69	25	special	special	ADJ
afbr-1009	69	26	financial	financial	ADJ
afbr-1009	69	27	knowledge	knowledge	NOUN
afbr-1009	69	28	as	as	ADP
afbr-1009	69	29	a	a	DET
afbr-1009	69	30	synonym	synonym	NOUN
afbr-1009	69	31	for	for	ADP
afbr-1009	69	32	financial	financial	ADJ
afbr-1009	69	33	literacy	literacy	NOUN
afbr-1009	69	34	.	.	PUNCT
afbr-1009	70	1	measurement	measurement	NOUN
afbr-1009	70	2	of	of	ADP
afbr-1009	70	3	financial	financial	ADJ
afbr-1009	70	4	literacy	literacy	NOUN
afbr-1009	70	5	mainly	mainly	ADV
afbr-1009	70	6	involves	involve	VERB
afbr-1009	70	7	four	four	NUM
afbr-1009	70	8	aspects	aspect	NOUN
afbr-1009	70	9	,	,	PUNCT
afbr-1009	70	10	namely	namely	ADV
afbr-1009	70	11	personal	personal	ADJ
afbr-1009	70	12	financial	financial	ADJ
afbr-1009	70	13	knowledge	knowledge	NOUN
afbr-1009	70	14	,	,	PUNCT
afbr-1009	70	15	general	general	ADJ
afbr-1009	70	16	financial	financial	ADJ
afbr-1009	70	17	literacy	literacy	NOUN
afbr-1009	70	18	,	,	PUNCT
afbr-1009	70	19	investment	investment	NOUN
afbr-1009	70	20	,	,	PUNCT
afbr-1009	70	21	and	and	CCONJ
afbr-1009	70	22	financial	financial	ADJ
afbr-1009	70	23	and	and	CCONJ
afbr-1009	70	24	tax	tax	NOUN
afbr-1009	70	25	planning	planning	NOUN
afbr-1009	70	26	.	.	PUNCT
afbr-1009	71	1	there	there	PRON
afbr-1009	71	2	is	be	VERB
afbr-1009	71	3	a	a	DET
afbr-1009	71	4	scale	scale	NOUN
afbr-1009	71	5	of	of	ADP
afbr-1009	71	6	knowledge	knowledge	NOUN
afbr-1009	71	7	that	that	PRON
afbr-1009	71	8	includes	include	VERB
afbr-1009	71	9	skills	skill	NOUN
afbr-1009	71	10	and	and	CCONJ
afbr-1009	71	11	knowledge	knowledge	NOUN
afbr-1009	71	12	related	relate	VERB
afbr-1009	71	13	to	to	ADP
afbr-1009	71	14	deposits	deposit	NOUN
afbr-1009	71	15	and	and	CCONJ
afbr-1009	71	16	debits	debit	NOUN
afbr-1009	71	17	,	,	PUNCT
afbr-1009	71	18	insurance	insurance	NOUN
afbr-1009	71	19	and	and	CCONJ
afbr-1009	71	20	investment	investment	NOUN
afbr-1009	71	21	projects	project	NOUN
afbr-1009	71	22	,	,	PUNCT
afbr-1009	71	23	and	and	CCONJ
afbr-1009	71	24	financial	financial	ADJ
afbr-1009	71	25	information	information	NOUN
afbr-1009	71	26	.	.	PUNCT
afbr-1009	72	1	another	another	DET
afbr-1009	72	2	way	way	NOUN
afbr-1009	72	3	to	to	PART
afbr-1009	72	4	measure	measure	VERB
afbr-1009	72	5	financial	financial	ADJ
afbr-1009	72	6	knowledge	knowledge	NOUN
afbr-1009	72	7	is	be	AUX
afbr-1009	72	8	through	through	ADP
afbr-1009	72	9	self	self	NOUN
afbr-1009	72	10	-	-	PUNCT
afbr-1009	72	11	assessment	assessment	NOUN
afbr-1009	72	12	of	of	ADP
afbr-1009	72	13	financial	financial	ADJ
afbr-1009	72	14	knowledge	knowledge	NOUN
afbr-1009	72	15	.	.	PUNCT
afbr-1009	73	1	in	in	ADP
afbr-1009	73	2	addition	addition	NOUN
afbr-1009	73	3	,	,	PUNCT
afbr-1009	73	4	financial	financial	ADJ
afbr-1009	73	5	management	management	NOUN
afbr-1009	73	6	knowledge	knowledge	NOUN
afbr-1009	73	7	is	be	AUX
afbr-1009	73	8	used	use	VERB
afbr-1009	73	9	as	as	ADP
afbr-1009	73	10	an	an	DET
afbr-1009	73	11	evaluation	evaluation	NOUN
afbr-1009	73	12	instrument	instrument	NOUN
afbr-1009	73	13	(	(	PUNCT
afbr-1009	73	14	susan	susan	PROPN
afbr-1009	73	15	,	,	PUNCT
afbr-1009	73	16	2018	2018	NUM
afbr-1009	73	17	)	)	PUNCT
afbr-1009	73	18	.	.	PUNCT
afbr-1009	74	1	to	to	PART
afbr-1009	74	2	develop	develop	VERB
afbr-1009	74	3	financial	financial	ADJ
afbr-1009	74	4	behavior	behavior	NOUN
afbr-1009	74	5	,	,	PUNCT
afbr-1009	74	6	a	a	DET
afbr-1009	74	7	person	person	NOUN
afbr-1009	74	8	must	must	AUX
afbr-1009	74	9	have	have	VERB
afbr-1009	74	10	financial	financial	ADJ
afbr-1009	74	11	knowledge	knowledge	NOUN
afbr-1009	74	12	.	.	PUNCT
afbr-1009	75	1	financial	financial	ADJ
afbr-1009	75	2	knowledge	knowledge	NOUN
afbr-1009	75	3	is	be	AUX
afbr-1009	75	4	the	the	DET
afbr-1009	75	5	key	key	NOUN
afbr-1009	75	6	to	to	ADP
afbr-1009	75	7	understanding	understand	VERB
afbr-1009	75	8	finances	finance	NOUN
afbr-1009	75	9	and	and	CCONJ
afbr-1009	75	10	ideas	idea	NOUN
afbr-1009	75	11	needed	need	VERB
afbr-1009	75	12	that	that	PRON
afbr-1009	75	13	are	be	AUX
afbr-1009	75	14	useful	useful	ADJ
afbr-1009	75	15	for	for	ADP
afbr-1009	75	16	society	society	NOUN
afbr-1009	75	17	.	.	PUNCT
afbr-1009	76	1	financial	financial	ADJ
afbr-1009	76	2	knowledge	knowledge	NOUN
afbr-1009	76	3	in	in	ADP
afbr-1009	76	4	question	question	NOUN
afbr-1009	76	5	is	be	AUX
afbr-1009	76	6	banking	banking	NOUN
afbr-1009	76	7	and	and	CCONJ
afbr-1009	76	8	savings	saving	NOUN
afbr-1009	76	9	,	,	PUNCT
afbr-1009	76	10	insurance	insurance	NOUN
afbr-1009	76	11	,	,	PUNCT
afbr-1009	76	12	the	the	DET
afbr-1009	76	13	use	use	NOUN
afbr-1009	76	14	of	of	ADP
afbr-1009	76	15	credit	credit	NOUN
afbr-1009	76	16	,	,	PUNCT
afbr-1009	76	17	tax	tax	NOUN
afbr-1009	76	18	and	and	CCONJ
afbr-1009	76	19	investment	investment	NOUN
afbr-1009	76	20	.	.	PUNCT
afbr-1009	77	1	every	every	DET
afbr-1009	77	2	individual	individual	NOUN
afbr-1009	77	3	has	have	VERB
afbr-1009	77	4	financial	financial	ADJ
afbr-1009	77	5	knowledge	knowledge	NOUN
afbr-1009	77	6	depending	depend	VERB
afbr-1009	77	7	on	on	ADP
afbr-1009	77	8	how	how	SCONJ
afbr-1009	77	9	deep	deep	ADJ
afbr-1009	77	10	the	the	DET
afbr-1009	77	11	knowledge	knowledge	NOUN
afbr-1009	77	12	is	be	AUX
afbr-1009	77	13	possessed	possess	VERB
afbr-1009	77	14	.	.	PUNCT
afbr-1009	78	1	financial	financial	ADJ
afbr-1009	78	2	knowledge	knowledge	NOUN
afbr-1009	78	3	can	can	AUX
afbr-1009	78	4	be	be	AUX
afbr-1009	78	5	measured	measure	VERB
afbr-1009	78	6	in	in	ADP
afbr-1009	78	7	several	several	ADJ
afbr-1009	78	8	ways	way	NOUN
afbr-1009	78	9	,	,	PUNCT
afbr-1009	78	10	such	such	ADJ
afbr-1009	78	11	as	as	ADP
afbr-1009	78	12	(	(	PUNCT
afbr-1009	78	13	1	1	NUM
afbr-1009	78	14	)	)	PUNCT
afbr-1009	78	15	interest	interest	NOUN
afbr-1009	78	16	rates	rate	NOUN
afbr-1009	78	17	,	,	PUNCT
afbr-1009	78	18	financial	financial	ADJ
afbr-1009	78	19	costs	cost	NOUN
afbr-1009	78	20	and	and	CCONJ
afbr-1009	78	21	credit	credit	NOUN
afbr-1009	78	22	,	,	PUNCT
afbr-1009	78	23	(	(	PUNCT
afbr-1009	78	24	2	2	X
afbr-1009	78	25	)	)	PUNCT
afbr-1009	78	26	credit	credit	NOUN
afbr-1009	78	27	interest	interest	NOUN
afbr-1009	78	28	rates	rate	NOUN
afbr-1009	78	29	and	and	CCONJ
afbr-1009	78	30	credit	credit	NOUN
afbr-1009	78	31	data	datum	NOUN
afbr-1009	78	32	,	,	PUNCT
afbr-1009	78	33	(	(	PUNCT
afbr-1009	78	34	3	3	X
afbr-1009	78	35	)	)	PUNCT
afbr-1009	78	36	financial	financial	ADJ
afbr-1009	78	37	management	management	NOUN
afbr-1009	78	38	,	,	PUNCT
afbr-1009	78	39	(	(	PUNCT
afbr-1009	78	40	4	4	X
afbr-1009	78	41	)	)	PUNCT
afbr-1009	78	42	investment	investment	NOUN
afbr-1009	78	43	,	,	PUNCT
afbr-1009	78	44	(	(	PUNCT
afbr-1009	78	45	5	5	X
afbr-1009	78	46	)	)	PUNCT
afbr-1009	78	47	credit	credit	NOUN
afbr-1009	78	48	reports	report	NOUN
afbr-1009	78	49	(	(	PUNCT
afbr-1009	78	50	arifin	arifin	PROPN
afbr-1009	78	51	,	,	PUNCT
afbr-1009	78	52	2018).financial	2018).financial	ADJ
afbr-1009	78	53	knowledge	knowledge	NOUN
afbr-1009	78	54	is	be	AUX
afbr-1009	78	55	the	the	DET
afbr-1009	78	56	ability	ability	NOUN
afbr-1009	78	57	to	to	PART
afbr-1009	78	58	understand	understand	VERB
afbr-1009	78	59	,	,	PUNCT
afbr-1009	78	60	analyze	analyze	VERB
afbr-1009	78	61	,	,	PUNCT
afbr-1009	78	62	and	and	CCONJ
afbr-1009	78	63	manage	manage	VERB
afbr-1009	78	64	finances	finance	NOUN
afbr-1009	78	65	to	to	PART
afbr-1009	78	66	make	make	VERB
afbr-1009	78	67	correct	correct	ADJ
afbr-1009	78	68	financial	financial	ADJ
afbr-1009	78	69	decisions	decision	NOUN
afbr-1009	78	70	to	to	PART
afbr-1009	78	71	avoid	avoid	VERB
afbr-1009	78	72	financial	financial	ADJ
afbr-1009	78	73	problems	problem	NOUN
afbr-1009	78	74	.	.	PUNCT
afbr-1009	79	1	to	to	PART
afbr-1009	79	2	have	have	VERB
afbr-1009	79	3	financial	financial	ADJ
afbr-1009	79	4	knowledge	knowledge	NOUN
afbr-1009	79	5	,	,	PUNCT
afbr-1009	79	6	one	one	PRON
afbr-1009	79	7	must	must	AUX
afbr-1009	79	8	develop	develop	VERB
afbr-1009	79	9	financial	financial	ADJ
afbr-1009	79	10	skills	skill	NOUN
afbr-1009	79	11	and	and	CCONJ
afbr-1009	79	12	learn	learn	VERB
afbr-1009	79	13	to	to	PART
afbr-1009	79	14	use	use	VERB
afbr-1009	79	15	financial	financial	ADJ
afbr-1009	79	16	tools	tool	NOUN
afbr-1009	79	17	,	,	PUNCT
afbr-1009	79	18	such	such	ADJ
afbr-1009	79	19	as	as	ADP
afbr-1009	79	20	preparing	prepare	VERB
afbr-1009	79	21	a	a	DET
afbr-1009	79	22	budget	budget	NOUN
afbr-1009	79	23	,	,	PUNCT
afbr-1009	79	24	choosing	choose	VERB
afbr-1009	79	25	an	an	DET
afbr-1009	79	26	investment	investment	NOUN
afbr-1009	79	27	,	,	PUNCT
afbr-1009	79	28	and	and	CCONJ
afbr-1009	79	29	choosing	choose	VERB
afbr-1009	79	30	an	an	DET
afbr-1009	79	31	insurance	insurance	NOUN
afbr-1009	79	32	plan	plan	NOUN
afbr-1009	79	33	.	.	PUNCT
afbr-1009	80	1	financial	financial	ADJ
afbr-1009	80	2	knowledge	knowledge	NOUN
afbr-1009	80	3	can	can	AUX
afbr-1009	80	4	be	be	AUX
afbr-1009	80	5	obtained	obtain	VERB
afbr-1009	80	6	from	from	ADP
afbr-1009	80	7	schools	school	NOUN
afbr-1009	80	8	,	,	PUNCT
afbr-1009	80	9	seminars	seminar	NOUN
afbr-1009	80	10	,	,	PUNCT
afbr-1009	80	11	training	training	NOUN
afbr-1009	80	12	,	,	PUNCT
afbr-1009	80	13	and	and	CCONJ
afbr-1009	80	14	non	non	ADJ
afbr-1009	80	15	-	-	ADJ
afbr-1009	80	16	formal	formal	ADJ
afbr-1009	80	17	education	education	NOUN
afbr-1009	80	18	.	.	PUNCT
afbr-1009	81	1	financial	financial	ADJ
afbr-1009	81	2	self	self	NOUN
afbr-1009	81	3	-	-	PUNCT
afbr-1009	81	4	efficacy	efficacy	NOUN
afbr-1009	81	5	self	self	NOUN
afbr-1009	81	6	-	-	PUNCT
afbr-1009	81	7	efficacy	efficacy	NOUN
afbr-1009	81	8	can	can	AUX
afbr-1009	81	9	be	be	AUX
afbr-1009	81	10	understood	understand	VERB
afbr-1009	81	11	as	as	ADP
afbr-1009	81	12	an	an	DET
afbr-1009	81	13	individual	individual	NOUN
afbr-1009	81	14	's	's	PART
afbr-1009	81	15	belief	belief	NOUN
afbr-1009	81	16	about	about	ADP
afbr-1009	81	17	his	his	PRON
afbr-1009	81	18	ability	ability	NOUN
afbr-1009	81	19	to	to	PART
afbr-1009	81	20	organize	organize	VERB
afbr-1009	81	21	and	and	CCONJ
afbr-1009	81	22	carry	carry	VERB
afbr-1009	81	23	out	out	ADP
afbr-1009	81	24	a	a	DET
afbr-1009	81	25	series	series	NOUN
afbr-1009	81	26	of	of	ADP
afbr-1009	81	27	actions	action	NOUN
afbr-1009	81	28	that	that	PRON
afbr-1009	81	29	are	be	AUX
afbr-1009	81	30	deemed	deem	VERB
afbr-1009	81	31	necessary	necessary	ADJ
afbr-1009	81	32	to	to	PART
afbr-1009	81	33	achieve	achieve	VERB
afbr-1009	81	34	something	something	PRON
afbr-1009	81	35	desired	desire	VERB
afbr-1009	81	36	.	.	PUNCT
afbr-1009	82	1	in	in	ADP
afbr-1009	82	2	relation	relation	NOUN
afbr-1009	82	3	to	to	ADP
afbr-1009	82	4	financial	financial	ADJ
afbr-1009	82	5	behavior	behavior	NOUN
afbr-1009	82	6	,	,	PUNCT
afbr-1009	82	7	self	self	NOUN
afbr-1009	82	8	-	-	PUNCT
afbr-1009	82	9	efficacy	efficacy	NOUN
afbr-1009	82	10	can	can	AUX
afbr-1009	82	11	be	be	AUX
afbr-1009	82	12	defined	define	VERB
afbr-1009	82	13	as	as	ADP
afbr-1009	82	14	a	a	DET
afbr-1009	82	15	belief	belief	NOUN
afbr-1009	82	16	in	in	ADP
afbr-1009	82	17	a	a	DET
afbr-1009	82	18	person	person	NOUN
afbr-1009	82	19	's	's	PART
afbr-1009	82	20	ability	ability	NOUN
afbr-1009	82	21	to	to	PART
afbr-1009	82	22	change	change	VERB
afbr-1009	82	23	financial	financial	ADJ
afbr-1009	82	24	behavior	behavior	NOUN
afbr-1009	82	25	for	for	ADP
afbr-1009	82	26	the	the	DET
afbr-1009	82	27	better	well	ADJ
afbr-1009	82	28	.	.	PUNCT
afbr-1009	83	1	self	self	NOUN
afbr-1009	83	2	-	-	PUNCT
afbr-1009	83	3	efficacy	efficacy	NOUN
afbr-1009	83	4	is	be	AUX
afbr-1009	83	5	a	a	DET
afbr-1009	83	6	key	key	ADJ
afbr-1009	83	7	component	component	NOUN
afbr-1009	83	8	in	in	ADP
afbr-1009	83	9	bandura	bandura	NOUN
afbr-1009	83	10	's	's	PART
afbr-1009	83	11	social	social	ADJ
afbr-1009	83	12	cognitive	cognitive	ADJ
afbr-1009	83	13	theory	theory	NOUN
afbr-1009	83	14	that	that	PRON
afbr-1009	83	15	characterizes	characterize	VERB
afbr-1009	83	16	a	a	DET
afbr-1009	83	17	person	person	NOUN
afbr-1009	83	18	's	's	PART
afbr-1009	83	19	confidence	confidence	NOUN
afbr-1009	83	20	in	in	ADP
afbr-1009	83	21	his	his	PRON
afbr-1009	83	22	ability	ability	NOUN
afbr-1009	83	23	to	to	PART
afbr-1009	83	24	succeed	succeed	VERB
afbr-1009	83	25	in	in	ADP
afbr-1009	83	26	performing	perform	VERB
afbr-1009	83	27	tasks	task	NOUN
afbr-1009	83	28	.	.	PUNCT
afbr-1009	84	1	individual	individual	ADJ
afbr-1009	84	2	confidence	confidence	NOUN
afbr-1009	84	3	in	in	ADP
afbr-1009	84	4	his	his	PRON
afbr-1009	84	5	own	own	ADJ
afbr-1009	84	6	ability	ability	NOUN
afbr-1009	84	7	can	can	AUX
afbr-1009	84	8	help	help	VERB
afbr-1009	84	9	in	in	ADP
afbr-1009	84	10	determining	determine	VERB
afbr-1009	84	11	the	the	DET
afbr-1009	84	12	expected	expect	VERB
afbr-1009	84	13	results	result	NOUN
afbr-1009	84	14	because	because	SCONJ
afbr-1009	84	15	individuals	individual	NOUN
afbr-1009	84	16	have	have	VERB
afbr-1009	84	17	confidence	confidence	NOUN
afbr-1009	84	18	in	in	ADP
afbr-1009	84	19	anticipating	anticipate	VERB
afbr-1009	84	20	all	all	DET
afbr-1009	84	21	actions	action	NOUN
afbr-1009	84	22	to	to	PART
afbr-1009	84	23	achieve	achieve	VERB
afbr-1009	84	24	the	the	DET
afbr-1009	84	25	desired	desire	VERB
afbr-1009	84	26	goals	goal	NOUN
afbr-1009	84	27	.	.	PUNCT
afbr-1009	85	1	someone	someone	PRON
afbr-1009	85	2	who	who	PRON
afbr-1009	85	3	is	be	AUX
afbr-1009	85	4	confident	confident	ADJ
afbr-1009	85	5	sees	see	VERB
afbr-1009	85	6	difficult	difficult	ADJ
afbr-1009	85	7	tasks	task	NOUN
afbr-1009	85	8	as	as	ADP
afbr-1009	85	9	a	a	DET
afbr-1009	85	10	challenge	challenge	NOUN
afbr-1009	85	11	to	to	PART
afbr-1009	85	12	be	be	AUX
afbr-1009	85	13	met	meet	VERB
afbr-1009	85	14	rather	rather	ADV
afbr-1009	85	15	than	than	ADP
afbr-1009	85	16	as	as	ADP
afbr-1009	85	17	a	a	DET
afbr-1009	85	18	threat	threat	NOUN
afbr-1009	85	19	that	that	PRON
afbr-1009	85	20	must	must	AUX
afbr-1009	85	21	be	be	AUX
afbr-1009	85	22	avoided	avoid	VERB
afbr-1009	85	23	.	.	PUNCT
afbr-1009	86	1	he	he	PRON
afbr-1009	86	2	has	have	VERB
afbr-1009	86	3	a	a	DET
afbr-1009	86	4	stronger	strong	ADJ
afbr-1009	86	5	interest	interest	NOUN
afbr-1009	86	6	and	and	CCONJ
afbr-1009	86	7	deep	deep	ADJ
afbr-1009	86	8	involvement	involvement	NOUN
afbr-1009	86	9	in	in	ADP
afbr-1009	86	10	an	an	DET
afbr-1009	86	11	activity	activity	NOUN
afbr-1009	86	12	carried	carry	VERB
afbr-1009	86	13	out	out	ADP
afbr-1009	86	14	,	,	PUNCT
afbr-1009	86	15	writes	write	VERB
afbr-1009	86	16	challenging	challenge	VERB
afbr-1009	86	17	https://www.cribfb.com/journal/index.php/afbr	https://www.cribfb.com/journal/index.php/afbr	ADJ
afbr-1009	86	18	australian	australian	ADJ
afbr-1009	86	19	finance	finance	NOUN
afbr-1009	86	20	&	&	CCONJ
afbr-1009	86	21	banking	banking	PROPN
afbr-1009	86	22	review	review	PROPN
afbr-1009	86	23	vol	vol	NOUN
afbr-1009	86	24	.	.	PROPN
afbr-1009	87	1	5	5	NUM
afbr-1009	87	2	,	,	PUNCT
afbr-1009	87	3	no	no	INTJ
afbr-1009	87	4	.	.	NOUN
afbr-1009	87	5	1	1	NUM
afbr-1009	87	6	;	;	PUNCT
afbr-1009	87	7	2021	2021	NUM
afbr-1009	87	8	19	19	NUM
afbr-1009	87	9	goals	goal	NOUN
afbr-1009	87	10	,	,	PUNCT
afbr-1009	87	11	and	and	CCONJ
afbr-1009	87	12	has	have	VERB
afbr-1009	87	13	a	a	DET
afbr-1009	87	14	strong	strong	ADJ
afbr-1009	87	15	commitment	commitment	NOUN
afbr-1009	87	16	to	to	ADP
afbr-1009	87	17	achieving	achieve	VERB
afbr-1009	87	18	the	the	DET
afbr-1009	87	19	desired	desire	VERB
afbr-1009	87	20	goals	goal	NOUN
afbr-1009	87	21	.	.	PUNCT
afbr-1009	88	1	financial	financial	ADJ
afbr-1009	88	2	independence	independence	NOUN
afbr-1009	88	3	helps	help	VERB
afbr-1009	88	4	to	to	PART
afbr-1009	88	5	act	act	VERB
afbr-1009	88	6	and	and	CCONJ
afbr-1009	88	7	change	change	VERB
afbr-1009	88	8	financial	financial	ADJ
afbr-1009	88	9	behavior	behavior	NOUN
afbr-1009	88	10	for	for	ADP
afbr-1009	88	11	the	the	DET
afbr-1009	88	12	better	well	ADJ
afbr-1009	88	13	(	(	PUNCT
afbr-1009	88	14	herawati	herawati	PROPN
afbr-1009	88	15	et	et	PROPN
afbr-1009	88	16	al	al	PROPN
afbr-1009	88	17	.	.	PROPN
afbr-1009	88	18	,	,	PUNCT
afbr-1009	88	19	2018	2018	NUM
afbr-1009	88	20	)	)	PUNCT
afbr-1009	88	21	.	.	PUNCT
afbr-1009	89	1	financial	financial	ADJ
afbr-1009	89	2	self	self	NOUN
afbr-1009	89	3	-	-	PUNCT
afbr-1009	89	4	efficacy	efficacy	NOUN
afbr-1009	89	5	is	be	AUX
afbr-1009	89	6	defined	define	VERB
afbr-1009	89	7	as	as	ADP
afbr-1009	89	8	one	one	NOUN
afbr-1009	89	9	's	's	PART
afbr-1009	89	10	belief	belief	NOUN
afbr-1009	89	11	that	that	SCONJ
afbr-1009	89	12	someone	someone	PRON
afbr-1009	89	13	is	be	AUX
afbr-1009	89	14	capable	capable	ADJ
afbr-1009	89	15	of	of	ADP
afbr-1009	89	16	certain	certain	ADJ
afbr-1009	89	17	behaviors	behavior	NOUN
afbr-1009	89	18	.	.	PUNCT
afbr-1009	90	1	self	self	NOUN
afbr-1009	90	2	-	-	PUNCT
afbr-1009	90	3	efficacy	efficacy	NOUN
afbr-1009	90	4	is	be	AUX
afbr-1009	90	5	proportional	proportional	ADJ
afbr-1009	90	6	to	to	ADP
afbr-1009	90	7	perceived	perceive	VERB
afbr-1009	90	8	personal	personal	ADJ
afbr-1009	90	9	abilities	ability	NOUN
afbr-1009	90	10	.	.	PUNCT
afbr-1009	91	1	self	self	NOUN
afbr-1009	91	2	-	-	PUNCT
afbr-1009	91	3	efficacy	efficacy	NOUN
afbr-1009	91	4	affects	affect	VERB
afbr-1009	91	5	the	the	DET
afbr-1009	91	6	challenges	challenge	NOUN
afbr-1009	91	7	made	make	VERB
afbr-1009	91	8	,	,	PUNCT
afbr-1009	91	9	how	how	SCONJ
afbr-1009	91	10	much	much	ADJ
afbr-1009	91	11	effort	effort	NOUN
afbr-1009	91	12	must	must	AUX
afbr-1009	91	13	be	be	AUX
afbr-1009	91	14	spent	spend	VERB
afbr-1009	91	15	,	,	PUNCT
afbr-1009	91	16	how	how	SCONJ
afbr-1009	91	17	long	long	ADJ
afbr-1009	91	18	to	to	PART
afbr-1009	91	19	survive	survive	VERB
afbr-1009	91	20	in	in	ADP
afbr-1009	91	21	the	the	DET
afbr-1009	91	22	face	face	NOUN
afbr-1009	91	23	of	of	ADP
afbr-1009	91	24	obstacles	obstacle	NOUN
afbr-1009	91	25	and	and	CCONJ
afbr-1009	91	26	failures	failure	NOUN
afbr-1009	91	27	,	,	PUNCT
afbr-1009	91	28	and	and	CCONJ
afbr-1009	91	29	whether	whether	SCONJ
afbr-1009	91	30	the	the	DET
afbr-1009	91	31	failure	failure	NOUN
afbr-1009	91	32	is	be	AUX
afbr-1009	91	33	motivating	motivate	VERB
afbr-1009	91	34	or	or	CCONJ
afbr-1009	91	35	discouraging	discourage	VERB
afbr-1009	91	36	.	.	PUNCT
afbr-1009	92	1	thus	thus	ADV
afbr-1009	92	2	,	,	PUNCT
afbr-1009	92	3	a	a	DET
afbr-1009	92	4	person	person	NOUN
afbr-1009	92	5	's	's	PART
afbr-1009	92	6	sense	sense	NOUN
afbr-1009	92	7	of	of	ADP
afbr-1009	92	8	ability	ability	NOUN
afbr-1009	92	9	to	to	PART
afbr-1009	92	10	engage	engage	VERB
afbr-1009	92	11	in	in	ADP
afbr-1009	92	12	responsible	responsible	ADJ
afbr-1009	92	13	financial	financial	ADJ
afbr-1009	92	14	behavior	behavior	NOUN
afbr-1009	92	15	can	can	AUX
afbr-1009	92	16	also	also	ADV
afbr-1009	92	17	contribute	contribute	VERB
afbr-1009	92	18	to	to	ADP
afbr-1009	92	19	the	the	DET
afbr-1009	92	20	individual	individual	NOUN
afbr-1009	92	21	's	's	PART
afbr-1009	92	22	performance	performance	NOUN
afbr-1009	92	23	of	of	ADP
afbr-1009	92	24	that	that	DET
afbr-1009	92	25	behavior	behavior	NOUN
afbr-1009	92	26	(	(	PUNCT
afbr-1009	92	27	serido	serido	NOUN
afbr-1009	92	28	,	,	PUNCT
afbr-1009	92	29	shim	shim	NOUN
afbr-1009	92	30	,	,	PUNCT
afbr-1009	92	31	&	&	CCONJ
afbr-1009	92	32	tang	tang	PROPN
afbr-1009	92	33	,	,	PUNCT
afbr-1009	92	34	2013	2013	NUM
afbr-1009	92	35	)	)	PUNCT
afbr-1009	92	36	.	.	PUNCT
afbr-1009	93	1	based	base	VERB
afbr-1009	93	2	on	on	ADP
afbr-1009	93	3	(	(	PUNCT
afbr-1009	93	4	faique	faique	NOUN
afbr-1009	93	5	et	et	PROPN
afbr-1009	93	6	al	al	PROPN
afbr-1009	93	7	.	.	PROPN
afbr-1009	93	8	,	,	PUNCT
afbr-1009	93	9	2017	2017	NUM
afbr-1009	93	10	)	)	PUNCT
afbr-1009	93	11	,	,	PUNCT
afbr-1009	93	12	individuals	individual	NOUN
afbr-1009	93	13	who	who	PRON
afbr-1009	93	14	have	have	VERB
afbr-1009	93	15	high	high	ADJ
afbr-1009	93	16	self	self	NOUN
afbr-1009	93	17	-	-	PUNCT
afbr-1009	93	18	efficacy	efficacy	NOUN
afbr-1009	93	19	to	to	PART
afbr-1009	93	20	carry	carry	VERB
afbr-1009	93	21	out	out	ADP
afbr-1009	93	22	certain	certain	ADJ
afbr-1009	93	23	activities	activity	NOUN
afbr-1009	93	24	are	be	AUX
afbr-1009	93	25	more	more	ADV
afbr-1009	93	26	likely	likely	ADJ
afbr-1009	93	27	to	to	PART
afbr-1009	93	28	try	try	VERB
afbr-1009	93	29	to	to	PART
afbr-1009	93	30	do	do	VERB
afbr-1009	93	31	those	those	DET
afbr-1009	93	32	activities	activity	NOUN
afbr-1009	93	33	and	and	CCONJ
afbr-1009	93	34	to	to	PART
afbr-1009	93	35	develop	develop	VERB
afbr-1009	93	36	a	a	DET
afbr-1009	93	37	positive	positive	ADJ
afbr-1009	93	38	attitude	attitude	NOUN
afbr-1009	93	39	towards	towards	ADP
afbr-1009	93	40	them	they	PRON
afbr-1009	93	41	.	.	PUNCT
afbr-1009	94	1	conversely	conversely	ADV
afbr-1009	94	2	,	,	PUNCT
afbr-1009	94	3	if	if	SCONJ
afbr-1009	94	4	individuals	individual	NOUN
afbr-1009	94	5	have	have	VERB
afbr-1009	94	6	low	low	ADJ
afbr-1009	94	7	self	self	NOUN
afbr-1009	94	8	-	-	PUNCT
afbr-1009	94	9	efficacy	efficacy	NOUN
afbr-1009	94	10	to	to	PART
afbr-1009	94	11	do	do	VERB
afbr-1009	94	12	some	some	DET
afbr-1009	94	13	activities	activity	NOUN
afbr-1009	94	14	,	,	PUNCT
afbr-1009	94	15	they	they	PRON
afbr-1009	94	16	tend	tend	VERB
afbr-1009	94	17	to	to	PART
afbr-1009	94	18	try	try	VERB
afbr-1009	94	19	to	to	PART
afbr-1009	94	20	do	do	VERB
afbr-1009	94	21	those	those	DET
afbr-1009	94	22	activities	activity	NOUN
afbr-1009	94	23	and	and	CCONJ
afbr-1009	94	24	they	they	PRON
afbr-1009	94	25	develop	develop	VERB
afbr-1009	94	26	a	a	DET
afbr-1009	94	27	negative	negative	ADJ
afbr-1009	94	28	attitude	attitude	NOUN
afbr-1009	94	29	towards	towards	ADP
afbr-1009	94	30	these	these	DET
afbr-1009	94	31	actions	action	NOUN
afbr-1009	94	32	.	.	PUNCT
afbr-1009	95	1	research	research	NOUN
afbr-1009	95	2	framework	framework	NOUN
afbr-1009	95	3	to	to	PART
afbr-1009	95	4	explain	explain	VERB
afbr-1009	95	5	the	the	DET
afbr-1009	95	6	influence	influence	NOUN
afbr-1009	95	7	of	of	ADP
afbr-1009	95	8	variables	variable	NOUN
afbr-1009	95	9	,	,	PUNCT
afbr-1009	95	10	a	a	DET
afbr-1009	95	11	research	research	NOUN
afbr-1009	95	12	framework	framework	NOUN
afbr-1009	95	13	can	can	AUX
afbr-1009	95	14	be	be	AUX
afbr-1009	95	15	formed	form	VERB
afbr-1009	95	16	as	as	SCONJ
afbr-1009	95	17	follows	follow	VERB
afbr-1009	95	18	.	.	PUNCT
afbr-1009	96	1	figure	figure	NOUN
afbr-1009	96	2	1	1	NUM
afbr-1009	96	3	.	.	PUNCT
afbr-1009	96	4	financial	financial	ADJ
afbr-1009	96	5	behavior	behavior	NOUN
afbr-1009	96	6	research	research	NOUN
afbr-1009	96	7	framework	framework	NOUN
afbr-1009	96	8	source	source	NOUN
afbr-1009	96	9	:	:	PUNCT
afbr-1009	96	10	self	self	NOUN
afbr-1009	96	11	,	,	PUNCT
afbr-1009	96	12	2020	2020	NUM
afbr-1009	96	13	method	method	NOUN
afbr-1009	96	14	place	place	NOUN
afbr-1009	96	15	and	and	CCONJ
afbr-1009	96	16	time	time	NOUN
afbr-1009	96	17	of	of	ADP
afbr-1009	96	18	research	research	NOUN
afbr-1009	96	19	this	this	DET
afbr-1009	96	20	research	research	NOUN
afbr-1009	96	21	was	be	AUX
afbr-1009	96	22	conducted	conduct	VERB
afbr-1009	96	23	in	in	ADP
afbr-1009	96	24	the	the	DET
afbr-1009	96	25	city	city	NOUN
afbr-1009	96	26	of	of	ADP
afbr-1009	96	27	pekanbaru	pekanbaru	NOUN
afbr-1009	96	28	and	and	CCONJ
afbr-1009	96	29	carried	carry	VERB
afbr-1009	96	30	out	out	ADP
afbr-1009	96	31	in	in	ADP
afbr-1009	96	32	2019	2019	NUM
afbr-1009	96	33	for	for	ADP
afbr-1009	96	34	the	the	DET
afbr-1009	96	35	distribution	distribution	NOUN
afbr-1009	96	36	of	of	ADP
afbr-1009	96	37	questionnaires	questionnaire	NOUN
afbr-1009	96	38	and	and	CCONJ
afbr-1009	96	39	data	datum	NOUN
afbr-1009	96	40	processing	processing	NOUN
afbr-1009	96	41	in	in	ADP
afbr-1009	96	42	2020	2020	NUM
afbr-1009	96	43	.	.	PUNCT
afbr-1009	97	1	types	type	NOUN
afbr-1009	97	2	of	of	ADP
afbr-1009	97	3	research	research	NOUN
afbr-1009	97	4	this	this	DET
afbr-1009	97	5	type	type	NOUN
afbr-1009	97	6	of	of	ADP
afbr-1009	97	7	research	research	NOUN
afbr-1009	97	8	is	be	AUX
afbr-1009	97	9	quantitative	quantitative	ADJ
afbr-1009	97	10	research	research	NOUN
afbr-1009	97	11	with	with	ADP
afbr-1009	97	12	an	an	DET
afbr-1009	97	13	objective	objective	ADJ
afbr-1009	97	14	descriptive	descriptive	ADJ
afbr-1009	97	15	approach	approach	NOUN
afbr-1009	97	16	using	use	VERB
afbr-1009	97	17	survey	survey	NOUN
afbr-1009	97	18	methods	method	NOUN
afbr-1009	97	19	.	.	PUNCT
afbr-1009	98	1	surveys	survey	NOUN
afbr-1009	98	2	are	be	AUX
afbr-1009	98	3	systems	system	NOUN
afbr-1009	98	4	for	for	ADP
afbr-1009	98	5	gathering	gather	VERB
afbr-1009	98	6	information	information	NOUN
afbr-1009	98	7	from	from	ADP
afbr-1009	98	8	or	or	CCONJ
afbr-1009	98	9	about	about	ADP
afbr-1009	98	10	people	people	NOUN
afbr-1009	98	11	to	to	PART
afbr-1009	98	12	describe	describe	VERB
afbr-1009	98	13	,	,	PUNCT
afbr-1009	98	14	compare	compare	ADJ
afbr-1009	98	15	,	,	PUNCT
afbr-1009	98	16	or	or	CCONJ
afbr-1009	98	17	explain	explain	VERB
afbr-1009	98	18	their	their	PRON
afbr-1009	98	19	knowledge	knowledge	NOUN
afbr-1009	98	20	,	,	PUNCT
afbr-1009	98	21	attitudes	attitude	NOUN
afbr-1009	98	22	,	,	PUNCT
afbr-1009	98	23	and	and	CCONJ
afbr-1009	98	24	behavior	behavior	NOUN
afbr-1009	98	25	(	(	PUNCT
afbr-1009	98	26	sekaran	sekaran	NOUN
afbr-1009	98	27	&	&	CCONJ
afbr-1009	98	28	bougie	bougie	NOUN
afbr-1009	98	29	,	,	PUNCT
afbr-1009	98	30	2016	2016	NUM
afbr-1009	98	31	)	)	PUNCT
afbr-1009	98	32	.	.	PUNCT
afbr-1009	99	1	this	this	DET
afbr-1009	99	2	research	research	NOUN
afbr-1009	99	3	will	will	AUX
afbr-1009	99	4	look	look	VERB
afbr-1009	99	5	at	at	ADP
afbr-1009	99	6	factors	factor	NOUN
afbr-1009	99	7	that	that	PRON
afbr-1009	99	8	can	can	AUX
afbr-1009	99	9	influence	influence	VERB
afbr-1009	99	10	financial	financial	ADJ
afbr-1009	99	11	behavior	behavior	NOUN
afbr-1009	99	12	.	.	PUNCT
afbr-1009	100	1	this	this	DET
afbr-1009	100	2	research	research	NOUN
afbr-1009	100	3	is	be	AUX
afbr-1009	100	4	a	a	DET
afbr-1009	100	5	crosssectional	crosssectional	ADJ
afbr-1009	100	6	study	study	NOUN
afbr-1009	100	7	.	.	PUNCT
afbr-1009	101	1	h3	h3	NOUN
afbr-1009	101	2	h5	h5	PROPN
afbr-1009	101	3	h1	h1	PROPN
afbr-1009	101	4	h6	h6	PROPN
afbr-1009	101	5	h2	h2	PROPN
afbr-1009	101	6	h4	h4	PROPN
afbr-1009	101	7	financial	financial	ADJ
afbr-1009	101	8	knowledge	knowledge	PROPN
afbr-1009	101	9	financial	financial	ADJ
afbr-1009	101	10	self	self	NOUN
afbr-1009	101	11	-	-	PUNCT
afbr-1009	101	12	efficacy	efficacy	NOUN
afbr-1009	101	13	financial	financial	ADJ
afbr-1009	101	14	attitude	attitude	NOUN
afbr-1009	101	15	financial	financial	ADJ
afbr-1009	101	16	behavior	behavior	NOUN
afbr-1009	101	17	https://www.cribfb.com/journal/index.php/afbr	https://www.cribfb.com/journal/index.php/afbr	PROPN
afbr-1009	101	18	australian	australian	ADJ
afbr-1009	101	19	finance	finance	NOUN
afbr-1009	101	20	&	&	CCONJ
afbr-1009	101	21	banking	banking	PROPN
afbr-1009	101	22	review	review	PROPN
afbr-1009	101	23	vol	vol	NOUN
afbr-1009	101	24	.	.	PROPN
afbr-1009	101	25	5	5	NUM
afbr-1009	101	26	,	,	PUNCT
afbr-1009	101	27	no	no	INTJ
afbr-1009	101	28	.	.	NOUN
afbr-1009	101	29	1	1	NUM
afbr-1009	101	30	;	;	PUNCT
afbr-1009	101	31	2021	2021	NUM
afbr-1009	101	32	20	20	NUM
afbr-1009	101	33	research	research	NOUN
afbr-1009	101	34	variable	variable	ADJ
afbr-1009	101	35	exogenous	exogenous	ADJ
afbr-1009	101	36	variables	variable	NOUN
afbr-1009	101	37	are	be	AUX
afbr-1009	101	38	variables	variable	NOUN
afbr-1009	101	39	that	that	PRON
afbr-1009	101	40	are	be	AUX
afbr-1009	101	41	not	not	PART
afbr-1009	101	42	dependent	dependent	ADJ
afbr-1009	101	43	on	on	ADP
afbr-1009	101	44	or	or	CCONJ
afbr-1009	101	45	predicted	predict	VERB
afbr-1009	101	46	by	by	ADP
afbr-1009	101	47	other	other	ADJ
afbr-1009	101	48	latent	latent	NOUN
afbr-1009	101	49	variables	variable	NOUN
afbr-1009	101	50	or	or	CCONJ
afbr-1009	101	51	indicators	indicator	NOUN
afbr-1009	101	52	.	.	PUNCT
afbr-1009	102	1	the	the	DET
afbr-1009	102	2	exogenous	exogenous	ADJ
afbr-1009	102	3	variable	variable	NOUN
afbr-1009	102	4	in	in	ADP
afbr-1009	102	5	this	this	DET
afbr-1009	102	6	study	study	NOUN
afbr-1009	102	7	is	be	AUX
afbr-1009	102	8	financial	financial	ADJ
afbr-1009	102	9	knowledge	knowledge	NOUN
afbr-1009	102	10	.	.	PUNCT
afbr-1009	103	1	while	while	SCONJ
afbr-1009	103	2	the	the	DET
afbr-1009	103	3	endogenous	endogenous	ADJ
afbr-1009	103	4	variable	variable	NOUN
afbr-1009	103	5	is	be	AUX
afbr-1009	103	6	a	a	DET
afbr-1009	103	7	variable	variable	NOUN
afbr-1009	103	8	predicted	predict	VERB
afbr-1009	103	9	by	by	ADP
afbr-1009	103	10	other	other	ADJ
afbr-1009	103	11	latent	latent	NOUN
afbr-1009	103	12	variables	variable	NOUN
afbr-1009	103	13	or	or	CCONJ
afbr-1009	103	14	indicators	indicator	NOUN
afbr-1009	103	15	(	(	PUNCT
afbr-1009	103	16	weston	weston	PROPN
afbr-1009	103	17	&	&	CCONJ
afbr-1009	103	18	gore	gore	PROPN
afbr-1009	103	19	,	,	PUNCT
afbr-1009	103	20	2006	2006	NUM
afbr-1009	103	21	)	)	PUNCT
afbr-1009	103	22	.	.	PUNCT
afbr-1009	104	1	endogenous	endogenous	ADJ
afbr-1009	104	2	variables	variable	NOUN
afbr-1009	104	3	in	in	ADP
afbr-1009	104	4	this	this	DET
afbr-1009	104	5	study	study	NOUN
afbr-1009	104	6	are	be	AUX
afbr-1009	104	7	financial	financial	ADJ
afbr-1009	104	8	self	self	NOUN
afbr-1009	104	9	-	-	PUNCT
afbr-1009	104	10	efficacy	efficacy	NOUN
afbr-1009	104	11	,	,	PUNCT
afbr-1009	104	12	financial	financial	ADJ
afbr-1009	104	13	attitude	attitude	NOUN
afbr-1009	104	14	,	,	PUNCT
afbr-1009	104	15	and	and	CCONJ
afbr-1009	104	16	financial	financial	ADJ
afbr-1009	104	17	behavior	behavior	NOUN
afbr-1009	104	18	.	.	PUNCT
afbr-1009	105	1	methods	method	NOUN
afbr-1009	105	2	of	of	ADP
afbr-1009	105	3	data	datum	NOUN
afbr-1009	105	4	collection	collection	NOUN
afbr-1009	105	5	and	and	CCONJ
afbr-1009	105	6	sampling	sample	VERB
afbr-1009	105	7	research	research	NOUN
afbr-1009	105	8	techniques	technique	NOUN
afbr-1009	105	9	using	use	VERB
afbr-1009	105	10	surveys	survey	NOUN
afbr-1009	105	11	with	with	ADP
afbr-1009	105	12	a	a	DET
afbr-1009	105	13	questionnaire	questionnaire	NOUN
afbr-1009	105	14	instrument	instrument	NOUN
afbr-1009	105	15	using	use	VERB
afbr-1009	105	16	a	a	DET
afbr-1009	105	17	likert	likert	ADJ
afbr-1009	105	18	scale	scale	NOUN
afbr-1009	105	19	.	.	PUNCT
afbr-1009	106	1	the	the	DET
afbr-1009	106	2	estimated	estimate	VERB
afbr-1009	106	3	population	population	NOUN
afbr-1009	106	4	in	in	ADP
afbr-1009	106	5	this	this	DET
afbr-1009	106	6	study	study	NOUN
afbr-1009	106	7	(	(	PUNCT
afbr-1009	106	8	adolescents	adolescent	NOUN
afbr-1009	106	9	aged	age	VERB
afbr-1009	106	10	18	18	NUM
afbr-1009	106	11	-	-	SYM
afbr-1009	106	12	25	25	NUM
afbr-1009	106	13	years	year	NOUN
afbr-1009	106	14	)	)	PUNCT
afbr-1009	106	15	was	be	AUX
afbr-1009	106	16	±	±	NUM
afbr-1009	106	17	800,000	800,000	NUM
afbr-1009	106	18	people	people	NOUN
afbr-1009	106	19	.	.	PUNCT
afbr-1009	107	1	klein	klein	PROPN
afbr-1009	107	2	recommends	recommend	VERB
afbr-1009	107	3	a	a	DET
afbr-1009	107	4	minimum	minimum	NOUN
afbr-1009	107	5	of	of	ADP
afbr-1009	107	6	10	10	NUM
afbr-1009	107	7	cases	case	NOUN
afbr-1009	107	8	for	for	ADP
afbr-1009	107	9	each	each	DET
afbr-1009	107	10	estimated	estimate	VERB
afbr-1009	107	11	parameter	parameter	NOUN
afbr-1009	107	12	(	(	PUNCT
afbr-1009	107	13	streiner	streiner	NOUN
afbr-1009	107	14	,	,	PUNCT
afbr-1009	107	15	2005	2005	NUM
afbr-1009	107	16	)	)	PUNCT
afbr-1009	107	17	.	.	PUNCT
afbr-1009	108	1	from	from	ADP
afbr-1009	108	2	the	the	DET
afbr-1009	108	3	4	4	NUM
afbr-1009	108	4	variables	variable	NOUN
afbr-1009	108	5	,	,	PUNCT
afbr-1009	108	6	there	there	PRON
afbr-1009	108	7	are	be	VERB
afbr-1009	108	8	20	20	NUM
afbr-1009	108	9	parameters	parameter	NOUN
afbr-1009	108	10	,	,	PUNCT
afbr-1009	108	11	so	so	SCONJ
afbr-1009	108	12	a	a	DET
afbr-1009	108	13	minimum	minimum	ADJ
afbr-1009	108	14	sample	sample	NOUN
afbr-1009	108	15	of	of	ADP
afbr-1009	108	16	20	20	NUM
afbr-1009	108	17	x	x	SYM
afbr-1009	108	18	10	10	NUM
afbr-1009	108	19	=	=	SYM
afbr-1009	108	20	200	200	NUM
afbr-1009	108	21	samples	sample	NOUN
afbr-1009	108	22	is	be	AUX
afbr-1009	108	23	needed	need	VERB
afbr-1009	108	24	.	.	PUNCT
afbr-1009	109	1	from	from	ADP
afbr-1009	109	2	the	the	DET
afbr-1009	109	3	263	263	NUM
afbr-1009	109	4	questionnaires	questionnaire	NOUN
afbr-1009	109	5	distributed	distribute	VERB
afbr-1009	109	6	,	,	PUNCT
afbr-1009	109	7	a	a	DET
afbr-1009	109	8	sample	sample	NOUN
afbr-1009	109	9	of	of	ADP
afbr-1009	109	10	239	239	NUM
afbr-1009	109	11	respondents	respondent	NOUN
afbr-1009	109	12	could	could	AUX
afbr-1009	109	13	be	be	AUX
afbr-1009	109	14	used	use	VERB
afbr-1009	109	15	,	,	PUNCT
afbr-1009	109	16	with	with	ADP
afbr-1009	109	17	a	a	DET
afbr-1009	109	18	combination	combination	NOUN
afbr-1009	109	19	of	of	ADP
afbr-1009	109	20	purposive	purposive	ADJ
afbr-1009	109	21	sampling	sampling	NOUN
afbr-1009	109	22	techniques	technique	NOUN
afbr-1009	109	23	(	(	PUNCT
afbr-1009	109	24	criteria	criterion	NOUN
afbr-1009	109	25	for	for	ADP
afbr-1009	109	26	students	student	NOUN
afbr-1009	109	27	of	of	ADP
afbr-1009	109	28	the	the	DET
afbr-1009	109	29	institut	institut	PROPN
afbr-1009	109	30	bisnisdan	bisnisdan	PROPN
afbr-1009	109	31	teknologi	teknologi	PROPN
afbr-1009	109	32	pelita	pelita	PROPN
afbr-1009	109	33	indonesia	indonesia	PROPN
afbr-1009	109	34	at	at	ADP
afbr-1009	109	35	least	least	ADJ
afbr-1009	109	36	in	in	ADP
afbr-1009	109	37	second	second	ADJ
afbr-1009	109	38	semester	semester	NOUN
afbr-1009	109	39	)	)	PUNCT
afbr-1009	109	40	and	and	CCONJ
afbr-1009	109	41	convenience	convenience	NOUN
afbr-1009	109	42	sampling	sampling	NOUN
afbr-1009	109	43	.	.	PUNCT
afbr-1009	110	1	research	research	NOUN
afbr-1009	110	2	instruments	instrument	NOUN
afbr-1009	110	3	the	the	DET
afbr-1009	110	4	instrument	instrument	NOUN
afbr-1009	110	5	was	be	AUX
afbr-1009	110	6	given	give	VERB
afbr-1009	110	7	to	to	ADP
afbr-1009	110	8	respondents	respondent	NOUN
afbr-1009	110	9	using	use	VERB
afbr-1009	110	10	the	the	DET
afbr-1009	110	11	likert	likert	ADJ
afbr-1009	110	12	scale	scale	NOUN
afbr-1009	110	13	5	5	NUM
afbr-1009	110	14	-	-	PUNCT
afbr-1009	110	15	axis	axis	NOUN
afbr-1009	110	16	likert	likert	ADJ
afbr-1009	110	17	scale	scale	NOUN
afbr-1009	110	18	technique	technique	NOUN
afbr-1009	110	19	to	to	PART
afbr-1009	110	20	measure	measure	VERB
afbr-1009	110	21	the	the	DET
afbr-1009	110	22	research	research	NOUN
afbr-1009	110	23	variables	variable	NOUN
afbr-1009	110	24	.	.	PUNCT
afbr-1009	111	1	respondents	respondent	NOUN
afbr-1009	111	2	will	will	AUX
afbr-1009	111	3	choose	choose	VERB
afbr-1009	111	4	answers	answer	NOUN
afbr-1009	111	5	from	from	ADP
afbr-1009	111	6	positive	positive	ADJ
afbr-1009	111	7	statements	statement	NOUN
afbr-1009	111	8	with	with	ADP
afbr-1009	111	9	5	5	NUM
afbr-1009	111	10	alternative	alternative	ADJ
afbr-1009	111	11	choices	choice	NOUN
afbr-1009	111	12	with	with	ADP
afbr-1009	111	13	the	the	DET
afbr-1009	111	14	following	following	ADJ
afbr-1009	111	15	scores	score	NOUN
afbr-1009	111	16	:	:	PUNCT
afbr-1009	111	17	(	(	PUNCT
afbr-1009	111	18	1	1	X
afbr-1009	111	19	)	)	PUNCT
afbr-1009	111	20	strongly	strongly	ADV
afbr-1009	111	21	disagree	disagree	VERB
afbr-1009	111	22	;	;	PUNCT
afbr-1009	111	23	(	(	PUNCT
afbr-1009	111	24	2	2	X
afbr-1009	111	25	)	)	PUNCT
afbr-1009	111	26	disagree	disagree	VERB
afbr-1009	111	27	;	;	PUNCT
afbr-1009	111	28	(	(	PUNCT
afbr-1009	111	29	3	3	X
afbr-1009	111	30	)	)	PUNCT
afbr-1009	111	31	not	not	PART
afbr-1009	111	32	agree	agree	VERB
afbr-1009	111	33	;	;	PUNCT
afbr-1009	111	34	(	(	PUNCT
afbr-1009	111	35	4	4	X
afbr-1009	111	36	)	)	PUNCT
afbr-1009	111	37	agree	agree	VERB
afbr-1009	111	38	;	;	PUNCT
afbr-1009	111	39	(	(	PUNCT
afbr-1009	111	40	5	5	X
afbr-1009	111	41	)	)	PUNCT
afbr-1009	111	42	strongly	strongly	ADV
afbr-1009	111	43	agree	agree	VERB
afbr-1009	111	44	.	.	PUNCT
afbr-1009	112	1	questionnaire	questionnaire	NOUN
afbr-1009	112	2	indicator	indicator	NOUN
afbr-1009	112	3	indicators	indicator	NOUN
afbr-1009	112	4	of	of	ADP
afbr-1009	112	5	each	each	DET
afbr-1009	112	6	variable	variable	NOUN
afbr-1009	112	7	need	need	VERB
afbr-1009	112	8	to	to	PART
afbr-1009	112	9	be	be	AUX
afbr-1009	112	10	elaborated	elaborate	VERB
afbr-1009	112	11	to	to	PART
afbr-1009	112	12	find	find	VERB
afbr-1009	112	13	out	out	ADP
afbr-1009	112	14	the	the	DET
afbr-1009	112	15	indicators	indicator	NOUN
afbr-1009	112	16	forming	form	VERB
afbr-1009	112	17	latent	latent	NOUN
afbr-1009	112	18	variables	variable	NOUN
afbr-1009	112	19	.	.	PUNCT
afbr-1009	113	1	indicators	indicator	NOUN
afbr-1009	113	2	of	of	ADP
afbr-1009	113	3	each	each	DET
afbr-1009	113	4	variable	variable	NOUN
afbr-1009	113	5	can	can	AUX
afbr-1009	113	6	be	be	AUX
afbr-1009	113	7	seen	see	VERB
afbr-1009	113	8	in	in	ADP
afbr-1009	113	9	table	table	NOUN
afbr-1009	113	10	1	1	NUM
afbr-1009	113	11	.	.	PUNCT
afbr-1009	113	12	table	table	NOUN
afbr-1009	113	13	1	1	NUM
afbr-1009	113	14	.	.	PUNCT
afbr-1009	114	1	research	research	NOUN
afbr-1009	114	2	variable	variable	ADJ
afbr-1009	114	3	indicators	indicator	NOUN
afbr-1009	114	4	attribute	attribute	VERB
afbr-1009	114	5	indicator	indicator	NOUN
afbr-1009	114	6	reference	reference	VERB
afbr-1009	114	7	financial	financial	ADJ
afbr-1009	114	8	attitude	attitude	NOUN
afbr-1009	114	9	fa1	fa1	NOUN
afbr-1009	114	10	i	i	PRON
afbr-1009	114	11	compare	compare	VERB
afbr-1009	114	12	credit	credit	NOUN
afbr-1009	114	13	options	option	NOUN
afbr-1009	114	14	when	when	SCONJ
afbr-1009	114	15	repayments	repayment	NOUN
afbr-1009	114	16	(	(	PUNCT
afbr-1009	114	17	potrich	potrich	PROPN
afbr-1009	114	18	,	,	PUNCT
afbr-1009	114	19	vieira	vieira	PROPN
afbr-1009	114	20	,	,	PUNCT
afbr-1009	114	21	&	&	CCONJ
afbr-1009	114	22	kirch	kirch	PROPN
afbr-1009	114	23	,	,	PUNCT
afbr-1009	114	24	2015	2015	NUM
afbr-1009	114	25	)	)	PUNCT
afbr-1009	114	26	fa2	fa2	NOUN
afbr-1009	114	27	i	i	PRON
afbr-1009	114	28	invest	invest	VERB
afbr-1009	114	29	regularly	regularly	ADV
afbr-1009	114	30	(	(	PUNCT
afbr-1009	114	31	potrich	potrich	INTJ
afbr-1009	114	32	et	et	PROPN
afbr-1009	114	33	al	al	PROPN
afbr-1009	114	34	.	.	PROPN
afbr-1009	114	35	,	,	PUNCT
afbr-1009	114	36	2015	2015	NUM
afbr-1009	114	37	)	)	PUNCT
afbr-1009	114	38	fa3	fa3	NOUN
afbr-1009	115	1	i	i	PRON
afbr-1009	115	2	am	be	AUX
afbr-1009	115	3	responsible	responsible	ADJ
afbr-1009	115	4	for	for	ADP
afbr-1009	115	5	my	my	PRON
afbr-1009	115	6	financial	financial	ADJ
afbr-1009	115	7	well	well	NOUN
afbr-1009	115	8	-	-	PUNCT
afbr-1009	115	9	being	be	AUX
afbr-1009	115	10	(	(	PUNCT
afbr-1009	115	11	susan	susan	PROPN
afbr-1009	115	12	,	,	PUNCT
afbr-1009	115	13	2018	2018	NUM
afbr-1009	115	14	)	)	PUNCT
afbr-1009	115	15	fa4	fa4	NOUN
afbr-1009	115	16	i	i	PRON
afbr-1009	115	17	asked	ask	VERB
afbr-1009	115	18	if	if	SCONJ
afbr-1009	115	19	i	i	PRON
afbr-1009	115	20	could	could	AUX
afbr-1009	115	21	get	get	VERB
afbr-1009	115	22	the	the	DET
afbr-1009	115	23	same	same	ADJ
afbr-1009	115	24	item	item	NOUN
afbr-1009	115	25	at	at	ADP
afbr-1009	115	26	a	a	DET
afbr-1009	115	27	lower	low	ADJ
afbr-1009	115	28	price	price	NOUN
afbr-1009	115	29	after	after	ADP
afbr-1009	115	30	buying	buy	VERB
afbr-1009	115	31	(	(	PUNCT
afbr-1009	115	32	ali	ali	PROPN
afbr-1009	115	33	,	,	PUNCT
afbr-1009	115	34	rahman	rahman	PROPN
afbr-1009	115	35	,	,	PUNCT
afbr-1009	115	36	&	&	CCONJ
afbr-1009	115	37	bakar	bakar	PROPN
afbr-1009	115	38	,	,	PUNCT
afbr-1009	115	39	2013	2013	NUM
afbr-1009	115	40	)	)	PUNCT
afbr-1009	116	1	fa5	fa5	NOUN
afbr-1009	116	2	i	i	PRON
afbr-1009	116	3	imagine	imagine	VERB
afbr-1009	116	4	how	how	SCONJ
afbr-1009	116	5	to	to	PART
afbr-1009	116	6	treat	treat	VERB
afbr-1009	116	7	money	money	NOUN
afbr-1009	116	8	(	(	PUNCT
afbr-1009	116	9	ali	ali	PROPN
afbr-1009	116	10	et	et	PROPN
afbr-1009	116	11	al	al	PROPN
afbr-1009	116	12	.	.	PROPN
afbr-1009	116	13	,	,	PUNCT
afbr-1009	116	14	2013	2013	NUM
afbr-1009	116	15	)	)	PUNCT
afbr-1009	116	16	financial	financial	ADJ
afbr-1009	116	17	behavior	behavior	NOUN
afbr-1009	116	18	fb1	fb1	NOUN
afbr-1009	116	19	i	i	PRON
afbr-1009	116	20	have	have	VERB
afbr-1009	116	21	a	a	DET
afbr-1009	116	22	reserve	reserve	NOUN
afbr-1009	116	23	fund	fund	NOUN
afbr-1009	116	24	(	(	PUNCT
afbr-1009	116	25	potrich	potrich	PROPN
afbr-1009	116	26	et	et	PROPN
afbr-1009	116	27	al	al	PROPN
afbr-1009	116	28	.	.	PROPN
afbr-1009	116	29	,	,	PUNCT
afbr-1009	116	30	2015	2015	NUM
afbr-1009	116	31	)	)	PUNCT
afbr-1009	116	32	fb2	fb2	NOUN
afbr-1009	116	33	i	i	PRON
afbr-1009	116	34	analyze	analyze	VERB
afbr-1009	116	35	finances	finance	NOUN
afbr-1009	116	36	before	before	ADP
afbr-1009	116	37	making	make	VERB
afbr-1009	116	38	a	a	DET
afbr-1009	116	39	large	large	ADJ
afbr-1009	116	40	purchase	purchase	NOUN
afbr-1009	116	41	fb3	fb3	NOUN
afbr-1009	116	42	i	i	PRON
afbr-1009	116	43	save	save	VERB
afbr-1009	116	44	money	money	NOUN
afbr-1009	116	45	every	every	DET
afbr-1009	116	46	month	month	NOUN
afbr-1009	116	47	for	for	ADP
afbr-1009	116	48	future	future	ADJ
afbr-1009	116	49	needs	need	NOUN
afbr-1009	116	50	(	(	PUNCT
afbr-1009	116	51	potrich	potrich	PROPN
afbr-1009	116	52	,	,	PUNCT
afbr-1009	116	53	vieira	vieira	PROPN
afbr-1009	116	54	,	,	PUNCT
afbr-1009	116	55	&	&	CCONJ
afbr-1009	116	56	mendes	mende	NOUN
afbr-1009	116	57	-	-	PUNCT
afbr-1009	116	58	da	da	NOUN
afbr-1009	116	59	-	-	PUNCT
afbr-1009	116	60	silva	silva	NOUN
afbr-1009	116	61	,	,	PUNCT
afbr-1009	116	62	2016	2016	NUM
afbr-1009	116	63	)	)	PUNCT
afbr-1009	116	64	fb4	fb4	NOUN
afbr-1009	116	65	i	i	PRON
afbr-1009	116	66	made	make	VERB
afbr-1009	116	67	a	a	DET
afbr-1009	116	68	plan	plan	NOUN
afbr-1009	116	69	to	to	PART
afbr-1009	116	70	achieve	achieve	VERB
afbr-1009	116	71	financial	financial	ADJ
afbr-1009	116	72	(	(	PUNCT
afbr-1009	116	73	susan	susan	PROPN
afbr-1009	116	74	,	,	PUNCT
afbr-1009	116	75	2018	2018	NUM
afbr-1009	116	76	)	)	PUNCT
afbr-1009	116	77	https://www.cribfb.com/journal/index.php/afbr	https://www.cribfb.com/journal/index.php/afbr	ADJ
afbr-1009	116	78	australian	australian	ADJ
afbr-1009	116	79	finance	finance	NOUN
afbr-1009	116	80	&	&	CCONJ
afbr-1009	116	81	banking	banking	PROPN
afbr-1009	116	82	review	review	PROPN
afbr-1009	116	83	vol	vol	NOUN
afbr-1009	116	84	.	.	PROPN
afbr-1009	117	1	5	5	NUM
afbr-1009	117	2	,	,	PUNCT
afbr-1009	117	3	no	no	INTJ
afbr-1009	117	4	.	.	NOUN
afbr-1009	117	5	1	1	NUM
afbr-1009	117	6	;	;	PUNCT
afbr-1009	117	7	2021	2021	NUM
afbr-1009	117	8	21	21	NUM
afbr-1009	117	9	attribute	attribute	NOUN
afbr-1009	117	10	indicator	indicator	NOUN
afbr-1009	117	11	reference	reference	NOUN
afbr-1009	117	12	goals	goal	VERB
afbr-1009	117	13	fb5	fb5	PROPN
afbr-1009	118	1	i	i	PRON
afbr-1009	118	2	buy	buy	VERB
afbr-1009	118	3	bonds	bond	NOUN
afbr-1009	118	4	,	,	PUNCT
afbr-1009	118	5	stocks	stock	NOUN
afbr-1009	118	6	or	or	CCONJ
afbr-1009	118	7	mutual	mutual	ADJ
afbr-1009	118	8	funds	fund	NOUN
afbr-1009	118	9	(	(	PUNCT
afbr-1009	118	10	mien	mien	PROPN
afbr-1009	118	11	&	&	CCONJ
afbr-1009	118	12	thao	thao	PROPN
afbr-1009	118	13	,	,	PUNCT
afbr-1009	118	14	2015	2015	NUM
afbr-1009	118	15	)	)	PUNCT
afbr-1009	118	16	financial	financial	ADJ
afbr-1009	118	17	knowledge	knowledge	NOUN
afbr-1009	118	18	fk1	fk1	NOUN
afbr-1009	119	1	i	i	PRON
afbr-1009	119	2	understand	understand	VERB
afbr-1009	119	3	interest	interest	NOUN
afbr-1009	119	4	rates	rate	NOUN
afbr-1009	119	5	,	,	PUNCT
afbr-1009	119	6	financial	financial	ADJ
afbr-1009	119	7	costs	cost	NOUN
afbr-1009	119	8	,	,	PUNCT
afbr-1009	119	9	and	and	CCONJ
afbr-1009	119	10	credit	credit	NOUN
afbr-1009	119	11	terms	term	NOUN
afbr-1009	119	12	(	(	PUNCT
afbr-1009	119	13	susan	susan	PROPN
afbr-1009	119	14	,	,	PUNCT
afbr-1009	119	15	2018	2018	NUM
afbr-1009	119	16	)	)	PUNCT
afbr-1009	119	17	fk2	fk2	NOUN
afbr-1009	120	1	i	i	PRON
afbr-1009	120	2	understand	understand	VERB
afbr-1009	120	3	investment	investment	NOUN
afbr-1009	120	4	returns	return	NOUN
afbr-1009	120	5	and	and	CCONJ
afbr-1009	120	6	risks	risk	NOUN
afbr-1009	120	7	fk3	fk3	ADV
afbr-1009	120	8	i	i	PRON
afbr-1009	120	9	understand	understand	VERB
afbr-1009	120	10	how	how	SCONJ
afbr-1009	120	11	to	to	PART
afbr-1009	120	12	minimize	minimize	VERB
afbr-1009	120	13	risk	risk	NOUN
afbr-1009	120	14	in	in	ADP
afbr-1009	120	15	investments	investment	NOUN
afbr-1009	120	16	fk4	fk4	ADJ
afbr-1009	120	17	purchasing	purchasing	NOUN
afbr-1009	120	18	power	power	NOUN
afbr-1009	120	19	decreases	decrease	NOUN
afbr-1009	120	20	when	when	SCONJ
afbr-1009	120	21	inflation	inflation	NOUN
afbr-1009	120	22	increases	increase	VERB
afbr-1009	120	23	(	(	PUNCT
afbr-1009	120	24	ali	ali	PROPN
afbr-1009	120	25	et	et	PROPN
afbr-1009	120	26	al	al	PROPN
afbr-1009	120	27	.	.	PROPN
afbr-1009	120	28	,	,	PUNCT
afbr-1009	120	29	2013	2013	NUM
afbr-1009	120	30	)	)	PUNCT
afbr-1009	120	31	fk5	fk5	NOUN
afbr-1009	121	1	i	i	PRON
afbr-1009	121	2	understand	understand	VERB
afbr-1009	121	3	financial	financial	ADJ
afbr-1009	121	4	concepts	concept	NOUN
afbr-1009	121	5	such	such	ADJ
afbr-1009	121	6	as	as	ADP
afbr-1009	121	7	money	money	NOUN
afbr-1009	121	8	management	management	NOUN
afbr-1009	121	9	,	,	PUNCT
afbr-1009	121	10	investment	investment	NOUN
afbr-1009	121	11	,	,	PUNCT
afbr-1009	121	12	and	and	CCONJ
afbr-1009	121	13	budgeting	budgeting	NOUN
afbr-1009	121	14	(	(	PUNCT
afbr-1009	121	15	kumar	kumar	PROPN
afbr-1009	121	16	,	,	PUNCT
afbr-1009	121	17	watung	watung	PROPN
afbr-1009	121	18	,	,	PUNCT
afbr-1009	121	19	n	n	CCONJ
afbr-1009	121	20	,	,	PUNCT
afbr-1009	121	21	&	&	CCONJ
afbr-1009	121	22	luinata	luinata	PROPN
afbr-1009	121	23	,	,	PUNCT
afbr-1009	121	24	2017	2017	NUM
afbr-1009	121	25	)	)	PUNCT
afbr-1009	121	26	financial	financial	ADJ
afbr-1009	121	27	self	self	NOUN
afbr-1009	121	28	-	-	PUNCT
afbr-1009	121	29	efficacy	efficacy	NOUN
afbr-1009	121	30	fs1	fs1	NOUN
afbr-1009	122	1	i	i	PRON
afbr-1009	122	2	can	can	AUX
afbr-1009	122	3	always	always	ADV
afbr-1009	122	4	overcome	overcome	VERB
afbr-1009	122	5	difficult	difficult	ADJ
afbr-1009	122	6	problems	problem	NOUN
afbr-1009	122	7	if	if	SCONJ
afbr-1009	122	8	i	i	PRON
afbr-1009	122	9	try	try	VERB
afbr-1009	122	10	hard	hard	ADV
afbr-1009	122	11	(	(	PUNCT
afbr-1009	122	12	lown	lown	PROPN
afbr-1009	122	13	,	,	PUNCT
afbr-1009	122	14	2011	2011	NUM
afbr-1009	122	15	)	)	PUNCT
afbr-1009	123	1	fs2	fs2	PROPN
afbr-1009	123	2	i	i	PRON
afbr-1009	123	3	stick	stick	VERB
afbr-1009	123	4	to	to	ADP
afbr-1009	123	5	spending	spend	VERB
afbr-1009	123	6	plans	plan	NOUN
afbr-1009	123	7	when	when	SCONJ
afbr-1009	123	8	unexpected	unexpected	ADJ
afbr-1009	123	9	expenses	expense	NOUN
afbr-1009	123	10	arise	arise	VERB
afbr-1009	123	11	fs3	fs3	PROPN
afbr-1009	123	12	i	i	PRON
afbr-1009	123	13	am	be	AUX
afbr-1009	123	14	challenged	challenge	VERB
afbr-1009	123	15	to	to	PART
afbr-1009	123	16	make	make	VERB
afbr-1009	123	17	progress	progress	NOUN
afbr-1009	123	18	towards	towards	ADP
afbr-1009	123	19	financial	financial	ADJ
afbr-1009	123	20	goals	goal	NOUN
afbr-1009	123	21	fs4	fs4	NOUN
afbr-1009	123	22	i	i	PRON
afbr-1009	123	23	can	can	AUX
afbr-1009	123	24	find	find	VERB
afbr-1009	123	25	a	a	DET
afbr-1009	123	26	way	way	NOUN
afbr-1009	123	27	to	to	PART
afbr-1009	123	28	get	get	VERB
afbr-1009	123	29	what	what	PRON
afbr-1009	123	30	i	i	PRON
afbr-1009	123	31	want	want	VERB
afbr-1009	123	32	(	(	PUNCT
afbr-1009	123	33	schwarzer	schwarzer	PROPN
afbr-1009	123	34	&	&	CCONJ
afbr-1009	123	35	jerusalem	jerusalem	PROPN
afbr-1009	123	36	,	,	PUNCT
afbr-1009	123	37	1995	1995	NUM
afbr-1009	123	38	)	)	PUNCT
afbr-1009	124	1	fs5	fs5	NOUN
afbr-1009	125	1	i	i	PRON
afbr-1009	125	2	feel	feel	VERB
afbr-1009	125	3	confident	confident	ADJ
afbr-1009	125	4	in	in	ADP
afbr-1009	125	5	my	my	PRON
afbr-1009	125	6	ability	ability	NOUN
afbr-1009	125	7	to	to	PART
afbr-1009	125	8	manage	manage	VERB
afbr-1009	125	9	my	my	PRON
afbr-1009	125	10	own	own	ADJ
afbr-1009	125	11	finances	finance	NOUN
afbr-1009	125	12	(	(	PUNCT
afbr-1009	125	13	serido	serido	NOUN
afbr-1009	125	14	et	et	NOUN
afbr-1009	125	15	al	al	PROPN
afbr-1009	125	16	.	.	PROPN
afbr-1009	125	17	,	,	PUNCT
afbr-1009	125	18	2013	2013	NUM
afbr-1009	125	19	)	)	PUNCT
afbr-1009	125	20	source	source	NOUN
afbr-1009	125	21	:	:	PUNCT
afbr-1009	125	22	summary	summary	NOUN
afbr-1009	125	23	of	of	ADP
afbr-1009	125	24	various	various	ADJ
afbr-1009	125	25	journals	journal	NOUN
afbr-1009	125	26	,	,	PUNCT
afbr-1009	125	27	2020	2020	NUM
afbr-1009	125	28	data	datum	NOUN
afbr-1009	125	29	analysis	analysis	NOUN
afbr-1009	125	30	technique	technique	NOUN
afbr-1009	125	31	descriptive	descriptive	ADJ
afbr-1009	125	32	analysis	analysis	NOUN
afbr-1009	125	33	descriptive	descriptive	ADJ
afbr-1009	125	34	analysis	analysis	NOUN
afbr-1009	125	35	in	in	ADP
afbr-1009	125	36	this	this	DET
afbr-1009	125	37	study	study	NOUN
afbr-1009	125	38	contains	contain	VERB
afbr-1009	125	39	a	a	DET
afbr-1009	125	40	discussion	discussion	NOUN
afbr-1009	125	41	of	of	ADP
afbr-1009	125	42	the	the	DET
afbr-1009	125	43	characteristics	characteristic	NOUN
afbr-1009	125	44	of	of	ADP
afbr-1009	125	45	respondents	respondent	NOUN
afbr-1009	125	46	related	relate	VERB
afbr-1009	125	47	to	to	PART
afbr-1009	125	48	respondent	respondent	NOUN
afbr-1009	125	49	responses	response	NOUN
afbr-1009	125	50	.	.	PUNCT
afbr-1009	126	1	first	first	ADV
afbr-1009	126	2	,	,	PUNCT
afbr-1009	126	3	the	the	DET
afbr-1009	126	4	analysis	analysis	NOUN
afbr-1009	126	5	of	of	ADP
afbr-1009	126	6	respondents	respondent	NOUN
afbr-1009	126	7	'	'	PART
afbr-1009	126	8	characteristics	characteristic	NOUN
afbr-1009	126	9	consisting	consist	VERB
afbr-1009	126	10	of	of	ADP
afbr-1009	126	11	age	age	NOUN
afbr-1009	126	12	,	,	PUNCT
afbr-1009	126	13	gender	gender	NOUN
afbr-1009	126	14	,	,	PUNCT
afbr-1009	126	15	marital	marital	ADJ
afbr-1009	126	16	status	status	NOUN
afbr-1009	126	17	,	,	PUNCT
afbr-1009	126	18	employment	employment	NOUN
afbr-1009	126	19	,	,	PUNCT
afbr-1009	126	20	homeownership	homeownership	NOUN
afbr-1009	126	21	status	status	NOUN
afbr-1009	126	22	,	,	PUNCT
afbr-1009	126	23	ethnicity	ethnicity	NOUN
afbr-1009	126	24	,	,	PUNCT
afbr-1009	126	25	religion	religion	NOUN
afbr-1009	126	26	,	,	PUNCT
afbr-1009	126	27	income	income	NOUN
afbr-1009	126	28	,	,	PUNCT
afbr-1009	126	29	placement	placement	NOUN
afbr-1009	126	30	of	of	ADP
afbr-1009	126	31	funds	fund	NOUN
afbr-1009	126	32	,	,	PUNCT
afbr-1009	126	33	and	and	CCONJ
afbr-1009	126	34	primary	primary	ADJ
afbr-1009	126	35	and	and	CCONJ
afbr-1009	126	36	secondary	secondary	ADJ
afbr-1009	126	37	financial	financial	ADJ
afbr-1009	126	38	socialization	socialization	NOUN
afbr-1009	126	39	agents	agent	NOUN
afbr-1009	126	40	.	.	PUNCT
afbr-1009	127	1	the	the	DET
afbr-1009	127	2	analysis	analysis	NOUN
afbr-1009	127	3	will	will	AUX
afbr-1009	127	4	be	be	AUX
afbr-1009	127	5	done	do	VERB
afbr-1009	127	6	using	use	VERB
afbr-1009	127	7	mode	mode	NOUN
afbr-1009	127	8	.	.	PUNCT
afbr-1009	128	1	second	second	ADJ
afbr-1009	128	2	,	,	PUNCT
afbr-1009	128	3	the	the	DET
afbr-1009	128	4	analysis	analysis	NOUN
afbr-1009	128	5	of	of	ADP
afbr-1009	128	6	respondents	respondent	NOUN
afbr-1009	128	7	'	'	PART
afbr-1009	128	8	responses	response	NOUN
afbr-1009	128	9	which	which	PRON
afbr-1009	128	10	contained	contain	VERB
afbr-1009	128	11	a	a	DET
afbr-1009	128	12	discussion	discussion	NOUN
afbr-1009	128	13	of	of	ADP
afbr-1009	128	14	the	the	DET
afbr-1009	128	15	respondents	respondent	NOUN
afbr-1009	128	16	'	'	PART
afbr-1009	128	17	responses	response	NOUN
afbr-1009	128	18	related	relate	VERB
afbr-1009	128	19	to	to	ADP
afbr-1009	128	20	the	the	DET
afbr-1009	128	21	characteristics	characteristic	NOUN
afbr-1009	128	22	of	of	ADP
afbr-1009	128	23	respondents	respondent	NOUN
afbr-1009	128	24	using	use	VERB
afbr-1009	128	25	the	the	DET
afbr-1009	128	26	anova	anova	PROPN
afbr-1009	128	27	method	method	NOUN
afbr-1009	128	28	(	(	PUNCT
afbr-1009	128	29	hafni	hafni	PROPN
afbr-1009	128	30	,	,	PUNCT
afbr-1009	128	31	renaldo	renaldo	PROPN
afbr-1009	128	32	,	,	PUNCT
afbr-1009	128	33	chandra	chandra	PROPN
afbr-1009	128	34	,	,	PUNCT
afbr-1009	128	35	&	&	CCONJ
afbr-1009	128	36	thaief	thaief	NOUN
afbr-1009	128	37	,	,	PUNCT
afbr-1009	128	38	2020	2020	NUM
afbr-1009	128	39	;	;	PUNCT
afbr-1009	128	40	renaldo	renaldo	PROPN
afbr-1009	128	41	,	,	PUNCT
afbr-1009	128	42	sudarno	sudarno	NOUN
afbr-1009	128	43	,	,	PUNCT
afbr-1009	128	44	&	&	CCONJ
afbr-1009	128	45	hutahuruk	hutahuruk	PROPN
afbr-1009	128	46	,	,	PUNCT
afbr-1009	128	47	2020	2020	NUM
afbr-1009	128	48	)	)	PUNCT
afbr-1009	128	49	.	.	PUNCT
afbr-1009	129	1	questionnaire	questionnaire	NOUN
afbr-1009	129	2	eligibility	eligibility	NOUN
afbr-1009	129	3	test	test	NOUN
afbr-1009	129	4	before	before	ADP
afbr-1009	129	5	conducting	conduct	VERB
afbr-1009	129	6	the	the	DET
afbr-1009	129	7	influence	influence	NOUN
afbr-1009	129	8	test	test	NOUN
afbr-1009	129	9	,	,	PUNCT
afbr-1009	129	10	the	the	DET
afbr-1009	129	11	primary	primary	ADJ
afbr-1009	129	12	data	datum	NOUN
afbr-1009	129	13	preliminary	preliminary	ADJ
afbr-1009	129	14	test	test	NOUN
afbr-1009	129	15	is	be	AUX
afbr-1009	129	16	performed	perform	VERB
afbr-1009	129	17	.	.	PUNCT
afbr-1009	130	1	validity	validity	NOUN
afbr-1009	130	2	explains	explain	VERB
afbr-1009	130	3	how	how	SCONJ
afbr-1009	130	4	well	well	ADV
afbr-1009	130	5	the	the	DET
afbr-1009	130	6	data	datum	NOUN
afbr-1009	130	7	collected	collect	VERB
afbr-1009	130	8	covers	cover	VERB
afbr-1009	130	9	the	the	DET
afbr-1009	130	10	actual	actual	ADJ
afbr-1009	130	11	area	area	NOUN
afbr-1009	130	12	of	of	ADP
afbr-1009	130	13	investigation	investigation	NOUN
afbr-1009	130	14	.	.	PUNCT
afbr-1009	131	1	validity	validity	NOUN
afbr-1009	131	2	basically	basically	ADV
afbr-1009	131	3	means	mean	VERB
afbr-1009	131	4	measuring	measure	VERB
afbr-1009	131	5	what	what	PRON
afbr-1009	131	6	is	be	AUX
afbr-1009	131	7	meant	mean	VERB
afbr-1009	131	8	to	to	PART
afbr-1009	131	9	be	be	AUX
afbr-1009	131	10	measured	measure	VERB
afbr-1009	131	11	.	.	PUNCT
afbr-1009	132	1	items	item	NOUN
afbr-1009	132	2	loaded	load	VERB
afbr-1009	132	3	(	(	PUNCT
afbr-1009	132	4	loading	loading	NOUN
afbr-1009	132	5	factor	factor	NOUN
afbr-1009	132	6	)	)	PUNCT
afbr-1009	132	7	above	above	ADP
afbr-1009	132	8	0.40	0.40	NUM
afbr-1009	132	9	,	,	PUNCT
afbr-1009	132	10	which	which	PRON
afbr-1009	132	11	is	be	AUX
afbr-1009	132	12	the	the	DET
afbr-1009	132	13	minimum	minimum	ADJ
afbr-1009	132	14	value	value	NOUN
afbr-1009	132	15	suggested	suggest	VERB
afbr-1009	132	16	in	in	ADP
afbr-1009	132	17	the	the	DET
afbr-1009	132	18	study	study	NOUN
afbr-1009	132	19	are	be	AUX
afbr-1009	132	20	considered	consider	VERB
afbr-1009	132	21	for	for	ADP
afbr-1009	132	22	further	further	ADJ
afbr-1009	132	23	analysis	analysis	NOUN
afbr-1009	132	24	.	.	PUNCT
afbr-1009	133	1	the	the	DET
afbr-1009	133	2	second	second	ADJ
afbr-1009	133	3	test	test	NOUN
afbr-1009	133	4	is	be	AUX
afbr-1009	133	5	reliability	reliability	NOUN
afbr-1009	133	6	which	which	PRON
afbr-1009	133	7	involves	involve	VERB
afbr-1009	133	8	the	the	DET
afbr-1009	133	9	extent	extent	NOUN
afbr-1009	133	10	to	to	PART
afbr-1009	133	11	which	which	PRON
afbr-1009	133	12	the	the	DET
afbr-1009	133	13	measurement	measurement	NOUN
afbr-1009	133	14	of	of	ADP
afbr-1009	133	15	a	a	DET
afbr-1009	133	16	phenomenon	phenomenon	NOUN
afbr-1009	133	17	provides	provide	VERB
afbr-1009	133	18	https://www.cribfb.com/journal/index.php/afbr	https://www.cribfb.com/journal/index.php/afbr	ADJ
afbr-1009	133	19	australian	australian	ADJ
afbr-1009	133	20	finance	finance	NOUN
afbr-1009	133	21	&	&	CCONJ
afbr-1009	133	22	banking	banking	PROPN
afbr-1009	133	23	review	review	PROPN
afbr-1009	133	24	vol	vol	NOUN
afbr-1009	133	25	.	.	PROPN
afbr-1009	134	1	5	5	NUM
afbr-1009	134	2	,	,	PUNCT
afbr-1009	134	3	no	no	INTJ
afbr-1009	134	4	.	.	NOUN
afbr-1009	134	5	1	1	NUM
afbr-1009	134	6	;	;	PUNCT
afbr-1009	134	7	2021	2021	NUM
afbr-1009	134	8	22	22	NUM
afbr-1009	134	9	stable	stable	ADJ
afbr-1009	134	10	and	and	CCONJ
afbr-1009	134	11	consistent	consistent	ADJ
afbr-1009	134	12	results	result	NOUN
afbr-1009	134	13	.	.	PUNCT
afbr-1009	135	1	reliability	reliability	NOUN
afbr-1009	135	2	is	be	AUX
afbr-1009	135	3	also	also	ADV
afbr-1009	135	4	related	relate	VERB
afbr-1009	135	5	to	to	PART
afbr-1009	135	6	repetition	repetition	VERB
afbr-1009	135	7	.	.	PUNCT
afbr-1009	136	1	for	for	ADP
afbr-1009	136	2	example	example	NOUN
afbr-1009	136	3	,	,	PUNCT
afbr-1009	136	4	a	a	DET
afbr-1009	136	5	scale	scale	NOUN
afbr-1009	136	6	or	or	CCONJ
afbr-1009	136	7	test	test	NOUN
afbr-1009	136	8	is	be	AUX
afbr-1009	136	9	said	say	VERB
afbr-1009	136	10	to	to	PART
afbr-1009	136	11	be	be	AUX
afbr-1009	136	12	reliable	reliable	ADJ
afbr-1009	136	13	if	if	SCONJ
afbr-1009	136	14	repeated	repeat	VERB
afbr-1009	136	15	measurements	measurement	NOUN
afbr-1009	136	16	made	make	VERB
afbr-1009	136	17	by	by	ADP
afbr-1009	136	18	it	it	PRON
afbr-1009	136	19	under	under	ADP
afbr-1009	136	20	constant	constant	ADJ
afbr-1009	136	21	conditions	condition	NOUN
afbr-1009	136	22	will	will	AUX
afbr-1009	136	23	give	give	VERB
afbr-1009	136	24	the	the	DET
afbr-1009	136	25	same	same	ADJ
afbr-1009	136	26	results	result	NOUN
afbr-1009	136	27	.	.	PUNCT
afbr-1009	137	1	the	the	DET
afbr-1009	137	2	most	most	ADV
afbr-1009	137	3	commonly	commonly	ADV
afbr-1009	137	4	used	use	VERB
afbr-1009	137	5	measure	measure	NOUN
afbr-1009	137	6	of	of	ADP
afbr-1009	137	7	internal	internal	ADJ
afbr-1009	137	8	consistency	consistency	NOUN
afbr-1009	137	9	is	be	AUX
afbr-1009	137	10	the	the	DET
afbr-1009	137	11	cronbach	cronbach	NOUN
afbr-1009	137	12	’s	’s	PART
afbr-1009	137	13	alpha	alpha	ADJ
afbr-1009	137	14	coefficient	coefficient	NOUN
afbr-1009	137	15	.	.	PUNCT
afbr-1009	138	1	it	it	PRON
afbr-1009	138	2	is	be	AUX
afbr-1009	138	3	recommended	recommend	VERB
afbr-1009	138	4	that	that	SCONJ
afbr-1009	138	5	reliability	reliability	NOUN
afbr-1009	138	6	must	must	AUX
afbr-1009	138	7	be	be	AUX
afbr-1009	138	8	equal	equal	ADJ
afbr-1009	138	9	to	to	ADP
afbr-1009	138	10	or	or	CCONJ
afbr-1009	138	11	above	above	ADP
afbr-1009	138	12	0.60	0.60	NUM
afbr-1009	138	13	(	(	PUNCT
afbr-1009	138	14	taherdoost	taherdoost	ADJ
afbr-1009	138	15	,	,	PUNCT
afbr-1009	138	16	2016	2016	NUM
afbr-1009	138	17	)	)	PUNCT
afbr-1009	138	18	.	.	PUNCT
afbr-1009	139	1	assumptions	assumption	NOUN
afbr-1009	139	2	of	of	ADP
afbr-1009	139	3	path	path	NOUN
afbr-1009	139	4	analysis	analysis	NOUN
afbr-1009	139	5	because	because	SCONJ
afbr-1009	139	6	the	the	DET
afbr-1009	139	7	path	path	NOUN
afbr-1009	139	8	analysis	analysis	NOUN
afbr-1009	139	9	is	be	AUX
afbr-1009	139	10	an	an	DET
afbr-1009	139	11	extension	extension	NOUN
afbr-1009	139	12	of	of	ADP
afbr-1009	139	13	multiple	multiple	ADJ
afbr-1009	139	14	linear	linear	ADJ
afbr-1009	139	15	regression	regression	NOUN
afbr-1009	139	16	,	,	PUNCT
afbr-1009	139	17	many	many	ADJ
afbr-1009	139	18	of	of	ADP
afbr-1009	139	19	the	the	DET
afbr-1009	139	20	same	same	ADJ
afbr-1009	139	21	assumptions	assumption	NOUN
afbr-1009	139	22	apply	apply	VERB
afbr-1009	139	23	to	to	ADP
afbr-1009	139	24	these	these	DET
afbr-1009	139	25	two	two	NUM
afbr-1009	139	26	techniques	technique	NOUN
afbr-1009	139	27	.	.	PUNCT
afbr-1009	140	1	first	first	ADV
afbr-1009	140	2	,	,	PUNCT
afbr-1009	140	3	the	the	DET
afbr-1009	140	4	relationship	relationship	NOUN
afbr-1009	140	5	between	between	ADP
afbr-1009	140	6	variables	variable	NOUN
afbr-1009	140	7	must	must	AUX
afbr-1009	140	8	be	be	AUX
afbr-1009	140	9	linear	linear	ADJ
afbr-1009	140	10	.	.	PUNCT
afbr-1009	141	1	second	second	ADJ
afbr-1009	141	2	,	,	PUNCT
afbr-1009	141	3	there	there	PRON
afbr-1009	141	4	should	should	AUX
afbr-1009	141	5	be	be	AUX
afbr-1009	141	6	no	no	DET
afbr-1009	141	7	interaction	interaction	NOUN
afbr-1009	141	8	between	between	ADP
afbr-1009	141	9	variables	variable	NOUN
afbr-1009	141	10	.	.	PUNCT
afbr-1009	142	1	third	third	ADJ
afbr-1009	142	2	,	,	PUNCT
afbr-1009	142	3	endogenous	endogenous	ADJ
afbr-1009	142	4	variables	variable	NOUN
afbr-1009	142	5	must	must	AUX
afbr-1009	142	6	be	be	AUX
afbr-1009	142	7	continuous	continuous	ADJ
afbr-1009	142	8	and	and	CCONJ
afbr-1009	142	9	normally	normally	ADV
afbr-1009	142	10	distributed	distribute	VERB
afbr-1009	142	11	,	,	PUNCT
afbr-1009	142	12	with	with	ADP
afbr-1009	142	13	coefficients	coefficient	NOUN
afbr-1009	142	14	of	of	ADP
afbr-1009	142	15	skewness	skewness	NOUN
afbr-1009	142	16	and	and	CCONJ
afbr-1009	142	17	kurtosis	kurtosis	NOUN
afbr-1009	142	18	below	below	ADP
afbr-1009	142	19	1	1	NUM
afbr-1009	142	20	.	.	PUNCT
afbr-1009	143	1	fourth	fourth	ADJ
afbr-1009	143	2	,	,	PUNCT
afbr-1009	143	3	it	it	PRON
afbr-1009	143	4	is	be	AUX
afbr-1009	143	5	assumed	assume	VERB
afbr-1009	143	6	that	that	SCONJ
afbr-1009	143	7	the	the	DET
afbr-1009	143	8	covariance	covariance	NOUN
afbr-1009	143	9	between	between	ADP
afbr-1009	143	10	the	the	DET
afbr-1009	143	11	terms	term	NOUN
afbr-1009	143	12	disturbances	disturbance	NOUN
afbr-1009	143	13	are	be	AUX
afbr-1009	143	14	zero	zero	NUM
afbr-1009	143	15	(	(	PUNCT
afbr-1009	143	16	equivalent	equivalent	ADJ
afbr-1009	143	17	to	to	ADP
afbr-1009	143	18	assuming	assume	VERB
afbr-1009	143	19	an	an	DET
afbr-1009	143	20	error	error	NOUN
afbr-1009	143	21	does	do	AUX
afbr-1009	143	22	not	not	PART
afbr-1009	143	23	correlate	correlate	VERB
afbr-1009	143	24	between	between	ADP
afbr-1009	143	25	predictor	predictor	NOUN
afbr-1009	143	26	variables	variable	NOUN
afbr-1009	143	27	in	in	ADP
afbr-1009	143	28	the	the	DET
afbr-1009	143	29	regression	regression	NOUN
afbr-1009	143	30	)	)	PUNCT
afbr-1009	143	31	,	,	PUNCT
afbr-1009	143	32	even	even	ADV
afbr-1009	143	33	though	though	SCONJ
afbr-1009	143	34	the	the	DET
afbr-1009	143	35	analysis	analysis	NOUN
afbr-1009	143	36	variant	variant	VERB
afbr-1009	143	37	a	a	DET
afbr-1009	143	38	more	more	ADV
afbr-1009	143	39	advanced	advanced	ADJ
afbr-1009	143	40	path	path	NOUN
afbr-1009	143	41	can	can	AUX
afbr-1009	143	42	deal	deal	VERB
afbr-1009	143	43	with	with	ADP
afbr-1009	143	44	violations	violation	NOUN
afbr-1009	143	45	of	of	ADP
afbr-1009	143	46	this	this	DET
afbr-1009	143	47	assumption	assumption	NOUN
afbr-1009	143	48	.	.	PUNCT
afbr-1009	144	1	ultimately	ultimately	ADV
afbr-1009	144	2	,	,	PUNCT
afbr-1009	144	3	as	as	SCONJ
afbr-1009	144	4	mentioned	mention	VERB
afbr-1009	144	5	earlier	early	ADV
afbr-1009	144	6	,	,	PUNCT
afbr-1009	144	7	path	path	NOUN
afbr-1009	144	8	analysis	analysis	NOUN
afbr-1009	144	9	is	be	AUX
afbr-1009	144	10	quite	quite	ADV
afbr-1009	144	11	sensitive	sensitive	ADJ
afbr-1009	144	12	to	to	ADP
afbr-1009	144	13	the	the	DET
afbr-1009	144	14	model	model	NOUN
afbr-1009	144	15	specifications	specification	NOUN
afbr-1009	144	16	including	include	VERB
afbr-1009	144	17	variables	variable	NOUN
afbr-1009	144	18	that	that	PRON
afbr-1009	144	19	are	be	AUX
afbr-1009	144	20	not	not	PART
afbr-1009	144	21	relevant	relevant	ADJ
afbr-1009	144	22	,	,	PUNCT
afbr-1009	144	23	or	or	CCONJ
afbr-1009	144	24	more	more	ADV
afbr-1009	144	25	seriously	seriously	ADV
afbr-1009	144	26	,	,	PUNCT
afbr-1009	144	27	eliminating	eliminate	VERB
afbr-1009	144	28	those	those	PRON
afbr-1009	144	29	that	that	PRON
afbr-1009	144	30	are	be	AUX
afbr-1009	144	31	relevant	relevant	ADJ
afbr-1009	144	32	,	,	PUNCT
afbr-1009	144	33	can	can	AUX
afbr-1009	144	34	drastically	drastically	ADV
afbr-1009	144	35	affect	affect	VERB
afbr-1009	144	36	the	the	DET
afbr-1009	144	37	results	result	NOUN
afbr-1009	144	38	(	(	PUNCT
afbr-1009	144	39	streiner	streiner	NOUN
afbr-1009	144	40	,	,	PUNCT
afbr-1009	144	41	2005	2005	NUM
afbr-1009	144	42	)	)	PUNCT
afbr-1009	144	43	.	.	PUNCT
afbr-1009	145	1	results	result	VERB
afbr-1009	145	2	descriptive	descriptive	ADJ
afbr-1009	145	3	statistics	statistic	NOUN
afbr-1009	145	4	the	the	DET
afbr-1009	145	5	age	age	NOUN
afbr-1009	145	6	of	of	ADP
afbr-1009	145	7	the	the	DET
afbr-1009	145	8	most	most	ADJ
afbr-1009	145	9	respondents	respondent	NOUN
afbr-1009	145	10	is	be	AUX
afbr-1009	145	11	20	20	NUM
afbr-1009	145	12	years	year	NOUN
afbr-1009	145	13	with	with	ADP
afbr-1009	145	14	a	a	DET
afbr-1009	145	15	total	total	NOUN
afbr-1009	145	16	of	of	ADP
afbr-1009	145	17	36	36	NUM
afbr-1009	145	18	%	%	NOUN
afbr-1009	145	19	and	and	CCONJ
afbr-1009	145	20	followed	follow	VERB
afbr-1009	145	21	by	by	ADP
afbr-1009	145	22	the	the	DET
afbr-1009	145	23	age	age	NOUN
afbr-1009	145	24	of	of	ADP
afbr-1009	145	25	19	19	NUM
afbr-1009	145	26	years	year	NOUN
afbr-1009	145	27	with	with	ADP
afbr-1009	145	28	the	the	DET
afbr-1009	145	29	number	number	NOUN
afbr-1009	145	30	of	of	ADP
afbr-1009	145	31	respondents	respondent	NOUN
afbr-1009	145	32	32	32	NUM
afbr-1009	145	33	%	%	NOUN
afbr-1009	145	34	.	.	PUNCT
afbr-1009	146	1	the	the	DET
afbr-1009	146	2	number	number	NOUN
afbr-1009	146	3	of	of	ADP
afbr-1009	146	4	male	male	ADJ
afbr-1009	146	5	respondents	respondent	NOUN
afbr-1009	146	6	was	be	AUX
afbr-1009	146	7	59	59	NUM
afbr-1009	146	8	%	%	NOUN
afbr-1009	146	9	and	and	CCONJ
afbr-1009	146	10	41	41	NUM
afbr-1009	146	11	%	%	NOUN
afbr-1009	146	12	female	female	NOUN
afbr-1009	146	13	.	.	PUNCT
afbr-1009	147	1	unmarried	unmarried	ADJ
afbr-1009	147	2	respondents	respondent	NOUN
afbr-1009	147	3	were	be	AUX
afbr-1009	147	4	96	96	NUM
afbr-1009	147	5	%	%	NOUN
afbr-1009	147	6	.	.	PUNCT
afbr-1009	148	1	as	as	ADV
afbr-1009	148	2	many	many	ADJ
afbr-1009	148	3	as	as	ADP
afbr-1009	148	4	57	57	NUM
afbr-1009	148	5	%	%	NOUN
afbr-1009	148	6	of	of	ADP
afbr-1009	148	7	respondents	respondent	NOUN
afbr-1009	148	8	have	have	AUX
afbr-1009	148	9	worked	work	VERB
afbr-1009	148	10	full	full	ADJ
afbr-1009	148	11	time	time	NOUN
afbr-1009	148	12	and	and	CCONJ
afbr-1009	148	13	14	14	NUM
afbr-1009	148	14	%	%	NOUN
afbr-1009	148	15	of	of	ADP
afbr-1009	148	16	respondents	respondent	NOUN
afbr-1009	148	17	have	have	AUX
afbr-1009	148	18	been	be	AUX
afbr-1009	148	19	self	self	NOUN
afbr-1009	148	20	-	-	PUNCT
afbr-1009	148	21	employed	employ	VERB
afbr-1009	148	22	followed	follow	VERB
afbr-1009	148	23	by	by	ADP
afbr-1009	148	24	12	12	NUM
afbr-1009	148	25	%	%	NOUN
afbr-1009	148	26	who	who	PRON
afbr-1009	148	27	work	work	VERB
afbr-1009	148	28	part	part	ADJ
afbr-1009	148	29	-	-	PUNCT
afbr-1009	148	30	time	time	NOUN
afbr-1009	148	31	with	with	ADP
afbr-1009	148	32	the	the	DET
afbr-1009	148	33	record	record	NOUN
afbr-1009	148	34	respondents	respondent	NOUN
afbr-1009	148	35	still	still	ADV
afbr-1009	148	36	come	come	VERB
afbr-1009	148	37	from	from	ADP
afbr-1009	148	38	among	among	ADP
afbr-1009	148	39	the	the	DET
afbr-1009	148	40	students	student	NOUN
afbr-1009	148	41	.	.	PUNCT
afbr-1009	149	1	ownership	ownership	NOUN
afbr-1009	149	2	of	of	ADP
afbr-1009	149	3	houses	house	NOUN
afbr-1009	149	4	inhabited	inhabit	VERB
afbr-1009	149	5	by	by	ADP
afbr-1009	149	6	respondents	respondent	NOUN
afbr-1009	149	7	as	as	ADV
afbr-1009	149	8	much	much	ADJ
afbr-1009	149	9	as	as	ADP
afbr-1009	149	10	66	66	NUM
afbr-1009	149	11	%	%	NOUN
afbr-1009	149	12	owned	own	VERB
afbr-1009	149	13	by	by	ADP
afbr-1009	149	14	parents	parent	NOUN
afbr-1009	149	15	and	and	CCONJ
afbr-1009	149	16	24	24	NUM
afbr-1009	149	17	%	%	NOUN
afbr-1009	149	18	are	be	AUX
afbr-1009	149	19	still	still	ADV
afbr-1009	149	20	renting	rent	VERB
afbr-1009	149	21	.	.	PUNCT
afbr-1009	150	1	as	as	ADV
afbr-1009	150	2	many	many	ADJ
afbr-1009	150	3	as	as	ADP
afbr-1009	150	4	75	75	NUM
afbr-1009	150	5	%	%	NOUN
afbr-1009	150	6	of	of	ADP
afbr-1009	150	7	respondents	respondent	NOUN
afbr-1009	150	8	are	be	AUX
afbr-1009	150	9	chinese	chinese	ADJ
afbr-1009	150	10	and	and	CCONJ
afbr-1009	150	11	11	11	NUM
afbr-1009	150	12	%	%	NOUN
afbr-1009	150	13	are	be	AUX
afbr-1009	150	14	batak	batak	PROPN
afbr-1009	150	15	tribes	tribe	NOUN
afbr-1009	150	16	.	.	PUNCT
afbr-1009	151	1	the	the	DET
afbr-1009	151	2	majority	majority	NOUN
afbr-1009	151	3	of	of	ADP
afbr-1009	151	4	religious	religious	ADJ
afbr-1009	151	5	respondents	respondent	NOUN
afbr-1009	151	6	were	be	AUX
afbr-1009	151	7	buddhist	buddhist	ADJ
afbr-1009	151	8	67	67	NUM
afbr-1009	151	9	%	%	NOUN
afbr-1009	151	10	and	and	CCONJ
afbr-1009	151	11	17	17	NUM
afbr-1009	151	12	%	%	NOUN
afbr-1009	151	13	were	be	AUX
afbr-1009	151	14	protestant	protestant	ADJ
afbr-1009	151	15	christians	christian	NOUN
afbr-1009	151	16	.	.	PUNCT
afbr-1009	152	1	the	the	DET
afbr-1009	152	2	length	length	NOUN
afbr-1009	152	3	of	of	ADP
afbr-1009	152	4	work	work	NOUN
afbr-1009	152	5	of	of	ADP
afbr-1009	152	6	respondents	respondent	NOUN
afbr-1009	152	7	is	be	AUX
afbr-1009	152	8	mostly	mostly	ADV
afbr-1009	152	9	under	under	ADP
afbr-1009	152	10	5	5	NUM
afbr-1009	152	11	years	year	NOUN
afbr-1009	152	12	.	.	PUNCT
afbr-1009	153	1	the	the	DET
afbr-1009	153	2	income	income	NOUN
afbr-1009	153	3	of	of	ADP
afbr-1009	153	4	respondents	respondent	NOUN
afbr-1009	153	5	is	be	AUX
afbr-1009	153	6	92	92	NUM
afbr-1009	153	7	%	%	NOUN
afbr-1009	153	8	under	under	ADP
afbr-1009	153	9	rp	rp	NOUN
afbr-1009	153	10	.	.	PROPN
afbr-1009	153	11	5,000,000	5,000,000	NUM
afbr-1009	153	12	.	.	PUNCT
afbr-1009	154	1	as	as	ADV
afbr-1009	154	2	many	many	ADJ
afbr-1009	154	3	as	as	ADP
afbr-1009	154	4	38	38	NUM
afbr-1009	154	5	%	%	NOUN
afbr-1009	154	6	of	of	ADP
afbr-1009	154	7	respondents	respondent	NOUN
afbr-1009	154	8	learn	learn	VERB
afbr-1009	154	9	financially	financially	ADV
afbr-1009	154	10	from	from	ADP
afbr-1009	154	11	primary	primary	ADJ
afbr-1009	154	12	socialization	socialization	NOUN
afbr-1009	154	13	agents	agent	NOUN
afbr-1009	154	14	(	(	PUNCT
afbr-1009	154	15	31	31	NUM
afbr-1009	154	16	%	%	NOUN
afbr-1009	154	17	parents	parent	NOUN
afbr-1009	154	18	)	)	PUNCT
afbr-1009	154	19	and	and	CCONJ
afbr-1009	154	20	the	the	DET
afbr-1009	154	21	rest	rest	NOUN
afbr-1009	154	22	from	from	ADP
afbr-1009	154	23	secondary	secondary	ADJ
afbr-1009	154	24	agents	agent	NOUN
afbr-1009	154	25	(	(	PUNCT
afbr-1009	154	26	schools	school	NOUN
afbr-1009	154	27	by	by	ADP
afbr-1009	154	28	27	27	NUM
afbr-1009	154	29	%	%	NOUN
afbr-1009	154	30	)	)	PUNCT
afbr-1009	154	31	.	.	PUNCT
afbr-1009	155	1	to	to	PART
afbr-1009	155	2	put	put	VERB
afbr-1009	155	3	down	down	ADP
afbr-1009	155	4	funds	fund	NOUN
afbr-1009	155	5	as	as	ADV
afbr-1009	155	6	much	much	ADJ
afbr-1009	155	7	as	as	ADP
afbr-1009	155	8	67	67	NUM
afbr-1009	155	9	%	%	NOUN
afbr-1009	155	10	of	of	ADP
afbr-1009	155	11	respondents	respondent	NOUN
afbr-1009	155	12	prefer	prefer	VERB
afbr-1009	155	13	to	to	PART
afbr-1009	155	14	place	place	VERB
afbr-1009	155	15	funds	fund	NOUN
afbr-1009	155	16	in	in	ADP
afbr-1009	155	17	savings	saving	NOUN
afbr-1009	155	18	and	and	CCONJ
afbr-1009	155	19	16	16	NUM
afbr-1009	155	20	%	%	NOUN
afbr-1009	155	21	more	more	ADJ
afbr-1009	155	22	in	in	ADP
afbr-1009	155	23	gold	gold	NOUN
afbr-1009	155	24	.	.	PUNCT
afbr-1009	156	1	from	from	ADP
afbr-1009	156	2	the	the	DET
afbr-1009	156	3	descriptive	descriptive	ADJ
afbr-1009	156	4	analysis	analysis	NOUN
afbr-1009	156	5	there	there	PRON
afbr-1009	156	6	is	be	VERB
afbr-1009	156	7	an	an	DET
afbr-1009	156	8	assumption	assumption	NOUN
afbr-1009	156	9	that	that	SCONJ
afbr-1009	156	10	ethnicity	ethnicity	NOUN
afbr-1009	156	11	influences	influence	VERB
afbr-1009	156	12	behavior	behavior	NOUN
afbr-1009	156	13	patterns	pattern	NOUN
afbr-1009	156	14	.	.	PUNCT
afbr-1009	157	1	in	in	ADP
afbr-1009	157	2	this	this	DET
afbr-1009	157	3	study	study	NOUN
afbr-1009	157	4	,	,	PUNCT
afbr-1009	157	5	chinese	chinese	ADJ
afbr-1009	157	6	adolescents	adolescent	NOUN
afbr-1009	157	7	showed	show	VERB
afbr-1009	157	8	behavior	behavior	NOUN
afbr-1009	157	9	in	in	ADP
afbr-1009	157	10	a	a	DET
afbr-1009	157	11	larger	large	ADJ
afbr-1009	157	12	number	number	NOUN
afbr-1009	157	13	pattern	pattern	NOUN
afbr-1009	157	14	for	for	ADP
afbr-1009	157	15	the	the	DET
afbr-1009	157	16	activity	activity	NOUN
afbr-1009	157	17	of	of	ADP
afbr-1009	157	18	saving	save	VERB
afbr-1009	157	19	some	some	PRON
afbr-1009	157	20	of	of	ADP
afbr-1009	157	21	their	their	PRON
afbr-1009	157	22	money	money	NOUN
afbr-1009	157	23	in	in	ADP
afbr-1009	157	24	the	the	DET
afbr-1009	157	25	bank	bank	NOUN
afbr-1009	157	26	.	.	PUNCT
afbr-1009	158	1	analysis	analysis	NOUN
afbr-1009	158	2	of	of	ADP
afbr-1009	158	3	answers	answer	NOUN
afbr-1009	158	4	to	to	PART
afbr-1009	158	5	respondent	respondent	VERB
afbr-1009	158	6	characteristics	characteristic	NOUN
afbr-1009	158	7	the	the	DET
afbr-1009	158	8	financial	financial	ADJ
afbr-1009	158	9	self	self	NOUN
afbr-1009	158	10	-	-	PUNCT
afbr-1009	158	11	efficacy	efficacy	NOUN
afbr-1009	158	12	variable	variable	NOUN
afbr-1009	158	13	has	have	VERB
afbr-1009	158	14	different	different	ADJ
afbr-1009	158	15	respondents	respondent	NOUN
afbr-1009	158	16	'	'	PART
afbr-1009	158	17	responses	response	NOUN
afbr-1009	158	18	on	on	ADP
afbr-1009	158	19	ethnicity	ethnicity	NOUN
afbr-1009	158	20	,	,	PUNCT
afbr-1009	158	21	religion	religion	NOUN
afbr-1009	158	22	,	,	PUNCT
afbr-1009	158	23	income	income	NOUN
afbr-1009	158	24	,	,	PUNCT
afbr-1009	158	25	and	and	CCONJ
afbr-1009	158	26	secondary	secondary	ADJ
afbr-1009	158	27	socialization	socialization	NOUN
afbr-1009	158	28	agents	agent	NOUN
afbr-1009	158	29	.	.	PUNCT
afbr-1009	159	1	respondents	respondent	NOUN
afbr-1009	159	2	from	from	ADP
afbr-1009	159	3	other	other	ADJ
afbr-1009	159	4	ethnic	ethnic	ADJ
afbr-1009	159	5	groups	group	NOUN
afbr-1009	159	6	and	and	CCONJ
afbr-1009	159	7	minang	minang	PROPN
afbr-1009	159	8	tribe	tribe	NOUN
afbr-1009	159	9	groups	group	NOUN
afbr-1009	159	10	gave	give	VERB
afbr-1009	159	11	higher	high	ADJ
afbr-1009	159	12	scores	score	NOUN
afbr-1009	159	13	than	than	ADP
afbr-1009	159	14	the	the	DET
afbr-1009	159	15	nias	nias	PROPN
afbr-1009	159	16	tribe	tribe	PROPN
afbr-1009	159	17	group	group	NOUN
afbr-1009	159	18	and	and	CCONJ
afbr-1009	159	19	respondents	respondent	NOUN
afbr-1009	159	20	who	who	PRON
afbr-1009	159	21	did	do	AUX
afbr-1009	159	22	not	not	PART
afbr-1009	159	23	provide	provide	VERB
afbr-1009	159	24	answers	answer	NOUN
afbr-1009	159	25	.	.	PUNCT
afbr-1009	160	1	hindu	hindu	NOUN
afbr-1009	160	2	and	and	CCONJ
afbr-1009	160	3	protestant	protestant	ADJ
afbr-1009	160	4	christians	christians	PROPN
afbr-1009	160	5	respondents	respondent	NOUN
afbr-1009	160	6	gave	give	VERB
afbr-1009	160	7	a	a	DET
afbr-1009	160	8	higher	high	ADJ
afbr-1009	160	9	score	score	NOUN
afbr-1009	160	10	than	than	ADP
afbr-1009	160	11	confucianism	confucianism	PROPN
afbr-1009	160	12	.	.	PUNCT
afbr-1009	161	1	respondents	respondent	NOUN
afbr-1009	161	2	whose	whose	DET
afbr-1009	161	3	income	income	NOUN
afbr-1009	161	4	is	be	AUX
afbr-1009	161	5	above	above	ADP
afbr-1009	161	6	10	10	NUM
afbr-1009	161	7	million	million	NUM
afbr-1009	161	8	rupiahs	rupiah	NOUN
afbr-1009	161	9	give	give	VERB
afbr-1009	161	10	a	a	DET
afbr-1009	161	11	higher	high	ADJ
afbr-1009	161	12	score	score	NOUN
afbr-1009	161	13	than	than	ADP
afbr-1009	161	14	those	those	PRON
afbr-1009	161	15	whose	whose	DET
afbr-1009	161	16	income	income	NOUN
afbr-1009	161	17	is	be	AUX
afbr-1009	161	18	5	5	NUM
afbr-1009	161	19	to	to	PART
afbr-1009	161	20	10	10	NUM
afbr-1009	161	21	million	million	NUM
afbr-1009	161	22	rupiah	rupiah	NOUN
afbr-1009	161	23	.	.	PUNCT
afbr-1009	162	1	respondents	respondent	NOUN
afbr-1009	162	2	who	who	PRON
afbr-1009	162	3	learn	learn	VERB
afbr-1009	162	4	financially	financially	ADV
afbr-1009	162	5	from	from	ADP
afbr-1009	162	6	print	print	NOUN
afbr-1009	162	7	media	medium	NOUN
afbr-1009	162	8	score	score	NOUN
afbr-1009	162	9	higher	high	ADJ
afbr-1009	162	10	than	than	ADP
afbr-1009	162	11	respondents	respondent	NOUN
afbr-1009	162	12	who	who	PRON
afbr-1009	162	13	do	do	AUX
afbr-1009	162	14	not	not	PART
afbr-1009	162	15	have	have	VERB
afbr-1009	162	16	secondary	secondary	ADJ
afbr-1009	162	17	agents	agent	NOUN
afbr-1009	162	18	.	.	PUNCT
afbr-1009	163	1	the	the	DET
afbr-1009	163	2	indicator	indicator	NOUN
afbr-1009	163	3	"	"	PUNCT
afbr-1009	163	4	i	i	PRON
afbr-1009	163	5	am	be	AUX
afbr-1009	163	6	difficult	difficult	ADJ
afbr-1009	163	7	to	to	PART
afbr-1009	163	8	stick	stick	VERB
afbr-1009	163	9	to	to	ADP
afbr-1009	163	10	the	the	DET
afbr-1009	163	11	expenditure	expenditure	NOUN
afbr-1009	163	12	plan	plan	NOUN
afbr-1009	163	13	when	when	SCONJ
afbr-1009	163	14	unexpected	unexpected	ADJ
afbr-1009	163	15	expenses	expense	NOUN
afbr-1009	163	16	arise	arise	VERB
afbr-1009	163	17	"	"	PUNCT
afbr-1009	163	18	has	have	VERB
afbr-1009	163	19	a	a	DET
afbr-1009	163	20	different	different	ADJ
afbr-1009	163	21	response	response	NOUN
afbr-1009	163	22	at	at	ADP
afbr-1009	163	23	the	the	DET
afbr-1009	163	24	age	age	NOUN
afbr-1009	163	25	where	where	SCONJ
afbr-1009	163	26	respondents	respondent	NOUN
afbr-1009	163	27	aged	age	VERB
afbr-1009	163	28	24	24	NUM
afbr-1009	163	29	-	-	SYM
afbr-1009	163	30	25	25	NUM
afbr-1009	163	31	years	year	NOUN
afbr-1009	163	32	and	and	CCONJ
afbr-1009	163	33	respondents	respondent	NOUN
afbr-1009	163	34	who	who	PRON
afbr-1009	163	35	did	do	AUX
afbr-1009	163	36	not	not	PART
afbr-1009	163	37	give	give	VERB
afbr-1009	163	38	a	a	DET
afbr-1009	163	39	higher	high	ADJ
afbr-1009	163	40	score	score	NOUN
afbr-1009	163	41	than	than	ADP
afbr-1009	163	42	respondents	respondent	NOUN
afbr-1009	163	43	aged	age	VERB
afbr-1009	163	44	18	18	NUM
afbr-1009	163	45	-	-	SYM
afbr-1009	163	46	19	19	NUM
afbr-1009	163	47	years	year	NOUN
afbr-1009	163	48	.	.	PUNCT
afbr-1009	164	1	https://www.cribfb.com/journal/index.php/afbr	https://www.cribfb.com/journal/index.php/afbr	ADJ
afbr-1009	164	2	australian	australian	ADJ
afbr-1009	164	3	finance	finance	NOUN
afbr-1009	164	4	&	&	CCONJ
afbr-1009	164	5	banking	banking	PROPN
afbr-1009	164	6	review	review	PROPN
afbr-1009	164	7	vol	vol	NOUN
afbr-1009	164	8	.	.	PROPN
afbr-1009	164	9	5	5	NUM
afbr-1009	164	10	,	,	PUNCT
afbr-1009	164	11	no	no	INTJ
afbr-1009	164	12	.	.	NOUN
afbr-1009	164	13	1	1	NUM
afbr-1009	164	14	;	;	PUNCT
afbr-1009	164	15	2021	2021	NUM
afbr-1009	164	16	23	23	NUM
afbr-1009	164	17	the	the	DET
afbr-1009	164	18	financial	financial	ADJ
afbr-1009	164	19	attitude	attitude	NOUN
afbr-1009	164	20	variable	variable	NOUN
afbr-1009	164	21	has	have	VERB
afbr-1009	164	22	different	different	ADJ
afbr-1009	164	23	respondents	respondent	NOUN
afbr-1009	164	24	'	'	PART
afbr-1009	164	25	responses	response	NOUN
afbr-1009	164	26	on	on	ADP
afbr-1009	164	27	marital	marital	ADJ
afbr-1009	164	28	status	status	NOUN
afbr-1009	164	29	,	,	PUNCT
afbr-1009	164	30	ethnicity	ethnicity	NOUN
afbr-1009	164	31	,	,	PUNCT
afbr-1009	164	32	and	and	CCONJ
afbr-1009	164	33	income	income	NOUN
afbr-1009	164	34	.	.	PUNCT
afbr-1009	165	1	unmarried	unmarried	ADJ
afbr-1009	165	2	respondents	respondent	NOUN
afbr-1009	165	3	score	score	VERB
afbr-1009	165	4	higher	high	ADJ
afbr-1009	165	5	than	than	ADP
afbr-1009	165	6	those	those	PRON
afbr-1009	165	7	who	who	PRON
afbr-1009	165	8	are	be	AUX
afbr-1009	165	9	separated	separate	VERB
afbr-1009	165	10	.	.	PUNCT
afbr-1009	166	1	respondents	respondent	NOUN
afbr-1009	166	2	from	from	ADP
afbr-1009	166	3	other	other	ADJ
afbr-1009	166	4	ethnic	ethnic	ADJ
afbr-1009	166	5	groups	group	NOUN
afbr-1009	166	6	and	and	CCONJ
afbr-1009	166	7	batak	batak	PROPN
afbr-1009	166	8	ethnic	ethnic	ADJ
afbr-1009	166	9	groups	group	NOUN
afbr-1009	166	10	gave	give	VERB
afbr-1009	166	11	higher	high	ADJ
afbr-1009	166	12	scores	score	NOUN
afbr-1009	166	13	than	than	ADP
afbr-1009	166	14	nias	nias	NUM
afbr-1009	166	15	people	people	NOUN
afbr-1009	166	16	.	.	PUNCT
afbr-1009	167	1	respondents	respondent	NOUN
afbr-1009	167	2	whose	whose	DET
afbr-1009	167	3	income	income	NOUN
afbr-1009	167	4	is	be	AUX
afbr-1009	167	5	above	above	ADP
afbr-1009	167	6	10	10	NUM
afbr-1009	167	7	million	million	NUM
afbr-1009	167	8	give	give	VERB
afbr-1009	167	9	a	a	DET
afbr-1009	167	10	higher	high	ADJ
afbr-1009	167	11	score	score	NOUN
afbr-1009	167	12	than	than	ADP
afbr-1009	167	13	those	those	PRON
afbr-1009	167	14	whose	whose	DET
afbr-1009	167	15	income	income	NOUN
afbr-1009	167	16	is	be	AUX
afbr-1009	167	17	5	5	NUM
afbr-1009	167	18	to	to	PART
afbr-1009	167	19	10	10	NUM
afbr-1009	167	20	million	million	NUM
afbr-1009	167	21	rupiah	rupiah	NOUN
afbr-1009	167	22	and	and	CCONJ
afbr-1009	167	23	respondents	respondent	NOUN
afbr-1009	167	24	who	who	PRON
afbr-1009	167	25	do	do	AUX
afbr-1009	167	26	not	not	PART
afbr-1009	167	27	provide	provide	VERB
afbr-1009	167	28	answers	answer	NOUN
afbr-1009	167	29	.	.	PUNCT
afbr-1009	168	1	the	the	DET
afbr-1009	168	2	indicator	indicator	NOUN
afbr-1009	168	3	"	"	PUNCT
afbr-1009	168	4	i	i	PRON
afbr-1009	168	5	compare	compare	VERB
afbr-1009	168	6	credit	credit	NOUN
afbr-1009	168	7	options	option	NOUN
afbr-1009	168	8	when	when	SCONJ
afbr-1009	168	9	repayments	repayment	NOUN
afbr-1009	168	10	"	"	PUNCT
afbr-1009	168	11	has	have	VERB
afbr-1009	168	12	different	different	ADJ
afbr-1009	168	13	responses	response	NOUN
afbr-1009	168	14	of	of	ADP
afbr-1009	168	15	respondents	respondent	NOUN
afbr-1009	168	16	to	to	ADP
afbr-1009	168	17	primary	primary	ADJ
afbr-1009	168	18	socialization	socialization	NOUN
afbr-1009	168	19	agents	agent	NOUN
afbr-1009	168	20	where	where	SCONJ
afbr-1009	168	21	respondents	respondent	NOUN
afbr-1009	168	22	who	who	PRON
afbr-1009	168	23	learn	learn	VERB
afbr-1009	168	24	financially	financially	ADV
afbr-1009	168	25	from	from	ADP
afbr-1009	168	26	siblings	sibling	NOUN
afbr-1009	168	27	give	give	VERB
afbr-1009	168	28	a	a	DET
afbr-1009	168	29	higher	high	ADJ
afbr-1009	168	30	score	score	NOUN
afbr-1009	168	31	than	than	ADP
afbr-1009	168	32	those	those	PRON
afbr-1009	168	33	who	who	PRON
afbr-1009	168	34	do	do	AUX
afbr-1009	168	35	not	not	PART
afbr-1009	168	36	have	have	VERB
afbr-1009	168	37	primary	primary	ADJ
afbr-1009	168	38	socialization	socialization	NOUN
afbr-1009	168	39	agents	agent	NOUN
afbr-1009	168	40	.	.	PUNCT
afbr-1009	169	1	this	this	PRON
afbr-1009	169	2	gives	give	VERB
afbr-1009	169	3	the	the	DET
afbr-1009	169	4	meaning	meaning	NOUN
afbr-1009	169	5	that	that	SCONJ
afbr-1009	169	6	ethnicity	ethnicity	NOUN
afbr-1009	169	7	contributes	contribute	VERB
afbr-1009	169	8	to	to	ADP
afbr-1009	169	9	the	the	DET
afbr-1009	169	10	pattern	pattern	NOUN
afbr-1009	169	11	of	of	ADP
afbr-1009	169	12	financial	financial	ADJ
afbr-1009	169	13	attitude	attitude	NOUN
afbr-1009	169	14	so	so	SCONJ
afbr-1009	169	15	that	that	SCONJ
afbr-1009	169	16	this	this	DET
afbr-1009	169	17	research	research	NOUN
afbr-1009	169	18	will	will	AUX
afbr-1009	169	19	be	be	AUX
afbr-1009	169	20	even	even	ADV
afbr-1009	169	21	more	more	ADV
afbr-1009	169	22	interesting	interesting	ADJ
afbr-1009	169	23	when	when	SCONJ
afbr-1009	169	24	exploring	explore	VERB
afbr-1009	169	25	the	the	DET
afbr-1009	169	26	social	social	ADJ
afbr-1009	169	27	behavior	behavior	NOUN
afbr-1009	169	28	of	of	ADP
afbr-1009	169	29	certain	certain	ADJ
afbr-1009	169	30	circles	circle	NOUN
afbr-1009	169	31	of	of	ADP
afbr-1009	169	32	society	society	NOUN
afbr-1009	169	33	.	.	PUNCT
afbr-1009	170	1	the	the	DET
afbr-1009	170	2	financial	financial	ADJ
afbr-1009	170	3	knowledge	knowledge	NOUN
afbr-1009	170	4	variable	variable	NOUN
afbr-1009	170	5	has	have	VERB
afbr-1009	170	6	different	different	ADJ
afbr-1009	170	7	respondents	respondent	NOUN
afbr-1009	170	8	'	'	PART
afbr-1009	170	9	responses	response	NOUN
afbr-1009	170	10	to	to	ADP
afbr-1009	170	11	gender	gender	NOUN
afbr-1009	170	12	.	.	PUNCT
afbr-1009	171	1	male	male	ADJ
afbr-1009	171	2	respondents	respondent	NOUN
afbr-1009	171	3	give	give	VERB
afbr-1009	171	4	a	a	DET
afbr-1009	171	5	higher	high	ADJ
afbr-1009	171	6	score	score	NOUN
afbr-1009	171	7	than	than	ADP
afbr-1009	171	8	women	woman	NOUN
afbr-1009	171	9	.	.	PUNCT
afbr-1009	172	1	especially	especially	ADV
afbr-1009	172	2	on	on	ADP
afbr-1009	172	3	the	the	DET
afbr-1009	172	4	indicator	indicator	NOUN
afbr-1009	172	5	"	"	PUNCT
afbr-1009	172	6	i	i	PRON
afbr-1009	172	7	understand	understand	VERB
afbr-1009	172	8	how	how	SCONJ
afbr-1009	172	9	to	to	PART
afbr-1009	172	10	minimize	minimize	VERB
afbr-1009	172	11	risk	risk	NOUN
afbr-1009	172	12	in	in	ADP
afbr-1009	172	13	investment	investment	NOUN
afbr-1009	172	14	"	"	PUNCT
afbr-1009	172	15	.	.	PUNCT
afbr-1009	173	1	psychologically	psychologically	ADV
afbr-1009	173	2	,	,	PUNCT
afbr-1009	173	3	men	man	NOUN
afbr-1009	173	4	are	be	AUX
afbr-1009	173	5	riskier	risky	ADJ
afbr-1009	173	6	than	than	ADP
afbr-1009	173	7	women	woman	NOUN
afbr-1009	173	8	.	.	PUNCT
afbr-1009	174	1	men	man	NOUN
afbr-1009	174	2	are	be	AUX
afbr-1009	174	3	born	bear	VERB
afbr-1009	174	4	as	as	SCONJ
afbr-1009	174	5	if	if	SCONJ
afbr-1009	174	6	they	they	PRON
afbr-1009	174	7	are	be	AUX
afbr-1009	174	8	responsible	responsible	ADJ
afbr-1009	174	9	for	for	ADP
afbr-1009	174	10	making	make	VERB
afbr-1009	174	11	"	"	PUNCT
afbr-1009	174	12	lots	lot	NOUN
afbr-1009	174	13	of	of	ADP
afbr-1009	174	14	money	money	NOUN
afbr-1009	174	15	"	"	PUNCT
afbr-1009	174	16	so	so	SCONJ
afbr-1009	174	17	that	that	SCONJ
afbr-1009	174	18	men	man	NOUN
afbr-1009	174	19	are	be	AUX
afbr-1009	174	20	considered	consider	VERB
afbr-1009	174	21	as	as	ADP
afbr-1009	174	22	a	a	DET
afbr-1009	174	23	source	source	NOUN
afbr-1009	174	24	of	of	ADP
afbr-1009	174	25	energy	energy	NOUN
afbr-1009	174	26	earners	earner	NOUN
afbr-1009	174	27	.	.	PUNCT
afbr-1009	175	1	whereas	whereas	SCONJ
afbr-1009	175	2	women	woman	NOUN
afbr-1009	175	3	are	be	AUX
afbr-1009	175	4	only	only	ADV
afbr-1009	175	5	considered	consider	VERB
afbr-1009	175	6	as	as	ADP
afbr-1009	175	7	financial	financial	ADJ
afbr-1009	175	8	managers	manager	NOUN
afbr-1009	175	9	rather	rather	ADV
afbr-1009	175	10	than	than	ADP
afbr-1009	175	11	what	what	PRON
afbr-1009	175	12	is	be	AUX
afbr-1009	175	13	produced	produce	VERB
afbr-1009	175	14	by	by	ADP
afbr-1009	175	15	men	man	NOUN
afbr-1009	175	16	.	.	PUNCT
afbr-1009	176	1	financial	financial	ADJ
afbr-1009	176	2	behavior	behavior	NOUN
afbr-1009	176	3	variables	variable	NOUN
afbr-1009	176	4	in	in	ADP
afbr-1009	176	5	general	general	ADJ
afbr-1009	176	6	do	do	AUX
afbr-1009	176	7	not	not	PART
afbr-1009	176	8	have	have	VERB
afbr-1009	176	9	differences	difference	NOUN
afbr-1009	176	10	in	in	ADP
afbr-1009	176	11	respondent	respondent	NOUN
afbr-1009	176	12	responses	response	NOUN
afbr-1009	176	13	.	.	PUNCT
afbr-1009	177	1	but	but	CCONJ
afbr-1009	177	2	on	on	ADP
afbr-1009	177	3	the	the	DET
afbr-1009	177	4	indicator	indicator	NOUN
afbr-1009	177	5	"	"	PUNCT
afbr-1009	177	6	i	i	PRON
afbr-1009	177	7	buy	buy	VERB
afbr-1009	177	8	bonds	bond	NOUN
afbr-1009	177	9	,	,	PUNCT
afbr-1009	177	10	stocks	stock	NOUN
afbr-1009	177	11	,	,	PUNCT
afbr-1009	177	12	or	or	CCONJ
afbr-1009	177	13	mutual	mutual	ADJ
afbr-1009	177	14	funds	fund	NOUN
afbr-1009	177	15	"	"	PUNCT
afbr-1009	177	16	,	,	PUNCT
afbr-1009	177	17	respondents	respondent	NOUN
afbr-1009	177	18	who	who	PRON
afbr-1009	177	19	like	like	VERB
afbr-1009	177	20	to	to	PART
afbr-1009	177	21	put	put	VERB
afbr-1009	177	22	funds	fund	NOUN
afbr-1009	177	23	in	in	ADP
afbr-1009	177	24	securities	security	NOUN
afbr-1009	177	25	give	give	VERB
afbr-1009	177	26	a	a	DET
afbr-1009	177	27	higher	high	ADJ
afbr-1009	177	28	score	score	NOUN
afbr-1009	177	29	than	than	ADP
afbr-1009	177	30	those	those	PRON
afbr-1009	177	31	who	who	PRON
afbr-1009	177	32	put	put	VERB
afbr-1009	177	33	funds	fund	NOUN
afbr-1009	177	34	on	on	ADP
afbr-1009	177	35	digital	digital	ADJ
afbr-1009	177	36	assets	asset	NOUN
afbr-1009	177	37	.	.	PUNCT
afbr-1009	178	1	this	this	PRON
afbr-1009	178	2	means	mean	VERB
afbr-1009	178	3	that	that	SCONJ
afbr-1009	178	4	men	man	NOUN
afbr-1009	178	5	are	be	AUX
afbr-1009	178	6	more	more	ADV
afbr-1009	178	7	interested	interested	ADJ
afbr-1009	178	8	in	in	ADP
afbr-1009	178	9	physical	physical	ADJ
afbr-1009	178	10	than	than	ADP
afbr-1009	178	11	digital	digital	ADJ
afbr-1009	178	12	assets	asset	NOUN
afbr-1009	178	13	.	.	PUNCT
afbr-1009	179	1	table	table	NOUN
afbr-1009	179	2	2	2	NUM
afbr-1009	179	3	.	.	PUNCT
afbr-1009	179	4	results	result	NOUN
afbr-1009	179	5	of	of	ADP
afbr-1009	179	6	the	the	DET
afbr-1009	179	7	questionnaire	questionnaire	NOUN
afbr-1009	179	8	eligibility	eligibility	NOUN
afbr-1009	179	9	test	test	NOUN
afbr-1009	179	10	indicator	indicator	PROPN
afbr-1009	179	11	pearson	pearson	PROPN
afbr-1009	179	12	correlation	correlation	PROPN
afbr-1009	179	13	cronbach	cronbach	NOUN
afbr-1009	179	14	's	's	PART
afbr-1009	179	15	alpha	alpha	NOUN
afbr-1009	179	16	indicator	indicator	PROPN
afbr-1009	179	17	pearson	pearson	PROPN
afbr-1009	179	18	correlation	correlation	PROPN
afbr-1009	179	19	cronbach	cronbach	NOUN
afbr-1009	179	20	's	's	PART
afbr-1009	179	21	alpha	alpha	NOUN
afbr-1009	179	22	fse1	fse1	NOUN
afbr-1009	179	23	0,797	0,797	NUM
afbr-1009	180	1	*	*	PUNCT
afbr-1009	180	2	*	*	PUNCT
afbr-1009	180	3	*	*	PUNCT
afbr-1009	180	4	0,803	0,803	NUM
afbr-1009	180	5	fk1	fk1	NOUN
afbr-1009	180	6	0,710	0,710	NUM
afbr-1009	180	7	*	*	PUNCT
afbr-1009	180	8	*	*	PUNCT
afbr-1009	180	9	*	*	SYM
afbr-1009	180	10	0,803	0,803	NUM
afbr-1009	180	11	fse2	fse2	PROPN
afbr-1009	180	12	0,645	0,645	NUM
afbr-1009	180	13	*	*	PUNCT
afbr-1009	180	14	*	*	PUNCT
afbr-1009	180	15	*	*	PUNCT
afbr-1009	180	16	fk2	fk2	NOUN
afbr-1009	180	17	0,845	0,845	NUM
afbr-1009	180	18	*	*	PUNCT
afbr-1009	180	19	*	*	PUNCT
afbr-1009	180	20	*	*	PUNCT
afbr-1009	180	21	fse3	fse3	PROPN
afbr-1009	180	22	0,790	0,790	NUM
afbr-1009	180	23	*	*	PUNCT
afbr-1009	180	24	*	*	PUNCT
afbr-1009	180	25	*	*	PUNCT
afbr-1009	180	26	fk3	fk3	ADJ
afbr-1009	180	27	0,835	0,835	NOUN
afbr-1009	180	28	*	*	PUNCT
afbr-1009	180	29	*	*	PUNCT
afbr-1009	180	30	*	*	PROPN
afbr-1009	180	31	fse4	fse4	NOUN
afbr-1009	180	32	0,777	0,777	NUM
afbr-1009	180	33	*	*	PUNCT
afbr-1009	180	34	*	*	PUNCT
afbr-1009	180	35	*	*	PUNCT
afbr-1009	180	36	fk4	fk4	ADJ
afbr-1009	180	37	0,646	0,646	NUM
afbr-1009	180	38	*	*	PUNCT
afbr-1009	180	39	*	*	PUNCT
afbr-1009	180	40	*	*	PUNCT
afbr-1009	180	41	fse5	fse5	PROPN
afbr-1009	180	42	0,739	0,739	NUM
afbr-1009	180	43	*	*	PUNCT
afbr-1009	180	44	*	*	PUNCT
afbr-1009	180	45	*	*	PUNCT
afbr-1009	180	46	fk5	fk5	NOUN
afbr-1009	180	47	0,708	0,708	NUM
afbr-1009	180	48	*	*	PUNCT
afbr-1009	180	49	*	*	PUNCT
afbr-1009	180	50	*	*	PUNCT
afbr-1009	180	51	fa1	fa1	NOUN
afbr-1009	180	52	0,674	0,674	NUM
afbr-1009	180	53	*	*	PUNCT
afbr-1009	180	54	*	*	PUNCT
afbr-1009	180	55	*	*	X
afbr-1009	180	56	0,625	0,625	NUM
afbr-1009	180	57	fb1	fb1	NOUN
afbr-1009	180	58	0,746	0,746	NUM
afbr-1009	180	59	*	*	PUNCT
afbr-1009	180	60	*	*	PUNCT
afbr-1009	180	61	*	*	PUNCT
afbr-1009	180	62	0,715	0,715	NUM
afbr-1009	180	63	fa2	fa2	NOUN
afbr-1009	180	64	0,192	0,192	NUM
afbr-1009	180	65	*	*	PUNCT
afbr-1009	180	66	*	*	PUNCT
afbr-1009	180	67	*	*	PUNCT
afbr-1009	180	68	fb2	fb2	NOUN
afbr-1009	180	69	0,772	0,772	NUM
afbr-1009	180	70	*	*	PUNCT
afbr-1009	180	71	*	*	PUNCT
afbr-1009	180	72	*	*	X
afbr-1009	180	73	fa3	fa3	NOUN
afbr-1009	180	74	0,718	0,718	NUM
afbr-1009	180	75	*	*	PUNCT
afbr-1009	180	76	*	*	PUNCT
afbr-1009	180	77	*	*	PUNCT
afbr-1009	180	78	fb3	fb3	NOUN
afbr-1009	180	79	0,792	0,792	NUM
afbr-1009	180	80	*	*	PUNCT
afbr-1009	180	81	*	*	PUNCT
afbr-1009	180	82	*	*	PUNCT
afbr-1009	180	83	fa4	fa4	NOUN
afbr-1009	180	84	0,663	0,663	NUM
afbr-1009	180	85	*	*	PUNCT
afbr-1009	180	86	*	*	PUNCT
afbr-1009	180	87	*	*	X
afbr-1009	180	88	fb4	fb4	PROPN
afbr-1009	180	89	0,807	0,807	NUM
afbr-1009	180	90	*	*	PUNCT
afbr-1009	180	91	*	*	PUNCT
afbr-1009	180	92	*	*	PUNCT
afbr-1009	181	1	fa5	fa5	NUM
afbr-1009	181	2	0,769	0,769	NUM
afbr-1009	181	3	*	*	PUNCT
afbr-1009	181	4	*	*	PUNCT
afbr-1009	181	5	*	*	PUNCT
afbr-1009	181	6	fb5	fb5	PROPN
afbr-1009	181	7	0,246	0,246	NUM
afbr-1009	181	8	*	*	PUNCT
afbr-1009	181	9	*	*	PUNCT
afbr-1009	181	10	*	*	PUNCT
afbr-1009	182	1	*	*	PUNCT
afbr-1009	182	2	*	*	PUNCT
afbr-1009	182	3	*	*	PUNCT
afbr-1009	182	4	significant	significant	ADJ
afbr-1009	182	5	at	at	ADP
afbr-1009	182	6	1	1	NUM
afbr-1009	182	7	%	%	NOUN
afbr-1009	182	8	source	source	NOUN
afbr-1009	182	9	:	:	PUNCT
afbr-1009	182	10	processed	process	VERB
afbr-1009	182	11	data	datum	NOUN
afbr-1009	182	12	,	,	PUNCT
afbr-1009	182	13	2020	2020	NUM
afbr-1009	182	14	based	base	VERB
afbr-1009	182	15	on	on	ADP
afbr-1009	182	16	table	table	NOUN
afbr-1009	182	17	2	2	NUM
afbr-1009	182	18	,	,	PUNCT
afbr-1009	182	19	validity	validity	NOUN
afbr-1009	182	20	testing	testing	NOUN
afbr-1009	182	21	uses	use	VERB
afbr-1009	182	22	pearson	pearson	PROPN
afbr-1009	182	23	correlation	correlation	NOUN
afbr-1009	182	24	which	which	PRON
afbr-1009	182	25	shows	show	VERB
afbr-1009	182	26	significant	significant	ADJ
afbr-1009	182	27	results	result	NOUN
afbr-1009	182	28	at	at	ADP
afbr-1009	182	29	1	1	NUM
afbr-1009	182	30	%	%	NOUN
afbr-1009	182	31	for	for	ADP
afbr-1009	182	32	all	all	DET
afbr-1009	182	33	indicators	indicator	NOUN
afbr-1009	182	34	.	.	PUNCT
afbr-1009	183	1	whereas	whereas	SCONJ
afbr-1009	183	2	for	for	ADP
afbr-1009	183	3	reliability	reliability	NOUN
afbr-1009	183	4	testing	testing	NOUN
afbr-1009	183	5	with	with	ADP
afbr-1009	183	6	the	the	DET
afbr-1009	183	7	lowest	low	ADJ
afbr-1009	183	8	cronbach	cronbach	NOUN
afbr-1009	183	9	's	's	PART
afbr-1009	183	10	alpha	alpha	NOUN
afbr-1009	183	11	0.625	0.625	NUM
afbr-1009	183	12	meets	meet	VERB
afbr-1009	183	13	the	the	DET
afbr-1009	183	14	requirements	requirement	NOUN
afbr-1009	183	15	above	above	ADP
afbr-1009	183	16	0.6	0.6	NUM
afbr-1009	183	17	.	.	PUNCT
afbr-1009	184	1	the	the	DET
afbr-1009	184	2	next	next	ADJ
afbr-1009	184	3	stage	stage	NOUN
afbr-1009	184	4	of	of	ADP
afbr-1009	184	5	analysis	analysis	NOUN
afbr-1009	184	6	is	be	AUX
afbr-1009	184	7	path	path	NOUN
afbr-1009	184	8	analysis	analysis	NOUN
afbr-1009	184	9	.	.	PUNCT
afbr-1009	185	1	table	table	NOUN
afbr-1009	185	2	3	3	NUM
afbr-1009	185	3	.	.	PUNCT
afbr-1009	185	4	testing	testing	NOUN
afbr-1009	185	5	results	result	NOUN
afbr-1009	185	6	of	of	ADP
afbr-1009	185	7	path	path	NOUN
afbr-1009	185	8	analysis	analysis	NOUN
afbr-1009	185	9	partial	partial	ADJ
afbr-1009	185	10	test	test	NOUN
afbr-1009	185	11	estimate	estimate	NOUN
afbr-1009	185	12	s.e	s.e	PROPN
afbr-1009	185	13	.	.	PROPN
afbr-1009	185	14	c.r	c.r	PROPN
afbr-1009	185	15	.	.	PUNCT
afbr-1009	186	1	p	p	X
afbr-1009	186	2	direct	direct	ADJ
afbr-1009	186	3	effect	effect	NOUN
afbr-1009	186	4	indirect	indirect	ADJ
afbr-1009	186	5	effect	effect	NOUN
afbr-1009	186	6	squared	square	VERB
afbr-1009	186	7	multiple	multiple	ADJ
afbr-1009	186	8	correlations	correlation	NOUN
afbr-1009	186	9	fse	fse	PROPN
afbr-1009	186	10	<	<	X
afbr-1009	186	11	--fk	--fk	NOUN
afbr-1009	186	12	0,257	0,257	NUM
afbr-1009	186	13	0,057	0,057	NUM
afbr-1009	186	14	4,493	4,493	NUM
afbr-1009	187	1	*	*	PUNCT
afbr-1009	187	2	*	*	PUNCT
afbr-1009	187	3	*	*	PUNCT
afbr-1009	187	4	0,280	0,280	NUM
afbr-1009	187	5	0,000	0,000	NUM
afbr-1009	187	6	0,078	0,078	NUM
afbr-1009	187	7	https://www.cribfb.com/journal/index.php/afbr	https://www.cribfb.com/journal/index.php/afbr	ADJ
afbr-1009	187	8	australian	australian	ADJ
afbr-1009	187	9	finance	finance	NOUN
afbr-1009	187	10	&	&	CCONJ
afbr-1009	187	11	banking	banking	PROPN
afbr-1009	187	12	review	review	PROPN
afbr-1009	187	13	vol	vol	NOUN
afbr-1009	187	14	.	.	PROPN
afbr-1009	188	1	5	5	NUM
afbr-1009	188	2	,	,	PUNCT
afbr-1009	188	3	no	no	INTJ
afbr-1009	188	4	.	.	NOUN
afbr-1009	188	5	1	1	NUM
afbr-1009	188	6	;	;	PUNCT
afbr-1009	188	7	2021	2021	NUM
afbr-1009	188	8	24	24	NUM
afbr-1009	188	9	partial	partial	ADJ
afbr-1009	188	10	test	test	NOUN
afbr-1009	188	11	estimate	estimate	NOUN
afbr-1009	188	12	s.e	s.e	PROPN
afbr-1009	188	13	.	.	PROPN
afbr-1009	188	14	c.r	c.r	PROPN
afbr-1009	188	15	.	.	PUNCT
afbr-1009	189	1	p	p	X
afbr-1009	189	2	direct	direct	ADJ
afbr-1009	189	3	effect	effect	NOUN
afbr-1009	189	4	indirect	indirect	ADJ
afbr-1009	189	5	effect	effect	NOUN
afbr-1009	189	6	squared	square	VERB
afbr-1009	189	7	multiple	multiple	ADJ
afbr-1009	189	8	correlations	correlation	NOUN
afbr-1009	189	9	fa	fa	X
afbr-1009	189	10	<	<	X
afbr-1009	189	11	--fse	--fse	X
afbr-1009	189	12	0,417	0,417	NUM
afbr-1009	189	13	0,062	0,062	NUM
afbr-1009	189	14	6,732	6,732	NUM
afbr-1009	189	15	*	*	PUNCT
afbr-1009	189	16	*	*	PUNCT
afbr-1009	189	17	*	*	PUNCT
afbr-1009	189	18	0,393	0,393	NUM
afbr-1009	189	19	0,000	0,000	NUM
afbr-1009	189	20	0,253	0,253	NUM
afbr-1009	189	21	fa	fa	NOUN
afbr-1009	189	22	<	<	X
afbr-1009	189	23	--fk	--fk	NOUN
afbr-1009	189	24	0,218	0,218	NUM
afbr-1009	189	25	0,057	0,057	NUM
afbr-1009	189	26	3,822	3,822	NUM
afbr-1009	189	27	*	*	PUNCT
afbr-1009	190	1	*	*	PUNCT
afbr-1009	190	2	*	*	PUNCT
afbr-1009	190	3	0,223	0,223	NUM
afbr-1009	190	4	0,110	0,110	NUM
afbr-1009	190	5	fb	fb	NOUN
afbr-1009	191	1	<	<	X
afbr-1009	191	2	--fa	--fa	ADP
afbr-1009	191	3	0,485	0,485	NUM
afbr-1009	191	4	0,062	0,062	NUM
afbr-1009	191	5	7,762	7,762	NUM
afbr-1009	191	6	*	*	PUNCT
afbr-1009	191	7	*	*	PUNCT
afbr-1009	191	8	*	*	PUNCT
afbr-1009	191	9	0,472	0,472	NUM
afbr-1009	191	10	0,000	0,000	NUM
afbr-1009	192	1	0,343	0,343	NUM
afbr-1009	192	2	fb	fb	NOUN
afbr-1009	192	3	<	<	X
afbr-1009	192	4	--fse	--fse	X
afbr-1009	192	5	0,172	0,172	NUM
afbr-1009	192	6	0,065	0,065	NOUN
afbr-1009	192	7	2,633	2,633	NUM
afbr-1009	192	8	0,008	0,008	NUM
afbr-1009	192	9	0,157	0,157	NUM
afbr-1009	192	10	0,185	0,185	NUM
afbr-1009	192	11	fb	fb	NOUN
afbr-1009	192	12	<	<	X
afbr-1009	192	13	--fk	--fk	NOUN
afbr-1009	192	14	0,061	0,061	NUM
afbr-1009	192	15	0,057	0,057	NUM
afbr-1009	192	16	1,077	1,077	NUM
afbr-1009	192	17	0,282	0,282	NUM
afbr-1009	192	18	0,061	0,061	NUM
afbr-1009	192	19	0,201	0,201	NUM
afbr-1009	192	20	source	source	NOUN
afbr-1009	192	21	:	:	PUNCT
afbr-1009	192	22	processed	process	VERB
afbr-1009	192	23	data	datum	NOUN
afbr-1009	192	24	,	,	PUNCT
afbr-1009	192	25	2020	2020	NUM
afbr-1009	192	26	squared	square	VERB
afbr-1009	192	27	multiple	multiple	ADJ
afbr-1009	192	28	correlations	correlation	NOUN
afbr-1009	192	29	shows	show	VERB
afbr-1009	192	30	how	how	SCONJ
afbr-1009	192	31	much	much	ADJ
afbr-1009	192	32	influence	influence	NOUN
afbr-1009	192	33	exogenous	exogenous	ADJ
afbr-1009	192	34	variables	variable	NOUN
afbr-1009	192	35	have	have	VERB
afbr-1009	192	36	on	on	ADP
afbr-1009	192	37	endogenous	endogenous	ADJ
afbr-1009	192	38	variables	variable	NOUN
afbr-1009	192	39	.	.	PUNCT
afbr-1009	193	1	financial	financial	ADJ
afbr-1009	193	2	knowledge	knowledge	NOUN
afbr-1009	193	3	gives	give	VERB
afbr-1009	193	4	a	a	DET
afbr-1009	193	5	7.8	7.8	NUM
afbr-1009	193	6	%	%	NOUN
afbr-1009	193	7	influence	influence	NOUN
afbr-1009	193	8	on	on	ADP
afbr-1009	193	9	financial	financial	ADJ
afbr-1009	193	10	self	self	NOUN
afbr-1009	193	11	-	-	PUNCT
afbr-1009	193	12	efficacy	efficacy	NOUN
afbr-1009	193	13	.	.	PUNCT
afbr-1009	194	1	financial	financial	ADJ
afbr-1009	194	2	self	self	NOUN
afbr-1009	194	3	-	-	PUNCT
afbr-1009	194	4	efficacy	efficacy	NOUN
afbr-1009	194	5	and	and	CCONJ
afbr-1009	194	6	financial	financial	ADJ
afbr-1009	194	7	knowledge	knowledge	NOUN
afbr-1009	194	8	influence	influence	NOUN
afbr-1009	194	9	25.3	25.3	NUM
afbr-1009	194	10	%	%	NOUN
afbr-1009	194	11	of	of	ADP
afbr-1009	194	12	financial	financial	ADJ
afbr-1009	194	13	attitude	attitude	NOUN
afbr-1009	194	14	.	.	PUNCT
afbr-1009	195	1	financial	financial	ADJ
afbr-1009	195	2	attitude	attitude	NOUN
afbr-1009	195	3	,	,	PUNCT
afbr-1009	195	4	financial	financial	ADJ
afbr-1009	195	5	self	self	NOUN
afbr-1009	195	6	-	-	PUNCT
afbr-1009	195	7	efficacy	efficacy	NOUN
afbr-1009	195	8	,	,	PUNCT
afbr-1009	195	9	and	and	CCONJ
afbr-1009	195	10	financial	financial	ADJ
afbr-1009	195	11	knowledge	knowledge	NOUN
afbr-1009	195	12	influence	influence	NOUN
afbr-1009	195	13	34.3	34.3	NUM
afbr-1009	195	14	%	%	NOUN
afbr-1009	195	15	of	of	ADP
afbr-1009	195	16	financial	financial	ADJ
afbr-1009	195	17	behavior	behavior	NOUN
afbr-1009	195	18	.	.	PUNCT
afbr-1009	196	1	figure	figure	NOUN
afbr-1009	196	2	2	2	NUM
afbr-1009	196	3	.	.	NOUN
afbr-1009	196	4	path	path	NOUN
afbr-1009	196	5	analysis	analysis	NOUN
afbr-1009	196	6	results	result	NOUN
afbr-1009	196	7	source	source	NOUN
afbr-1009	196	8	:	:	PUNCT
afbr-1009	196	9	processed	process	VERB
afbr-1009	196	10	data	datum	NOUN
afbr-1009	196	11	,	,	PUNCT
afbr-1009	196	12	2020	2020	NUM
afbr-1009	196	13	direct	direct	ADJ
afbr-1009	196	14	and	and	CCONJ
afbr-1009	196	15	indirect	indirect	ADJ
afbr-1009	196	16	effects	effect	NOUN
afbr-1009	196	17	path	path	NOUN
afbr-1009	196	18	analysis	analysis	NOUN
afbr-1009	196	19	can	can	AUX
afbr-1009	196	20	analyze	analyze	VERB
afbr-1009	196	21	the	the	DET
afbr-1009	196	22	direct	direct	ADJ
afbr-1009	196	23	and	and	CCONJ
afbr-1009	196	24	indirect	indirect	ADJ
afbr-1009	196	25	effects	effect	NOUN
afbr-1009	196	26	between	between	ADP
afbr-1009	196	27	variables	variable	NOUN
afbr-1009	196	28	.	.	PUNCT
afbr-1009	197	1	the	the	DET
afbr-1009	197	2	amount	amount	NOUN
afbr-1009	197	3	of	of	ADP
afbr-1009	197	4	direct	direct	ADJ
afbr-1009	197	5	and	and	CCONJ
afbr-1009	197	6	indirect	indirect	ADJ
afbr-1009	197	7	influence	influence	NOUN
afbr-1009	197	8	can	can	AUX
afbr-1009	197	9	be	be	AUX
afbr-1009	197	10	seen	see	VERB
afbr-1009	197	11	in	in	ADP
afbr-1009	197	12	table	table	NOUN
afbr-1009	197	13	3	3	NUM
afbr-1009	197	14	and	and	CCONJ
afbr-1009	197	15	the	the	DET
afbr-1009	197	16	direction	direction	NOUN
afbr-1009	197	17	can	can	AUX
afbr-1009	197	18	be	be	AUX
afbr-1009	197	19	seen	see	VERB
afbr-1009	197	20	in	in	ADP
afbr-1009	197	21	figure	figure	NOUN
afbr-1009	197	22	2	2	NUM
afbr-1009	197	23	.	.	PUNCT
afbr-1009	198	1	the	the	DET
afbr-1009	198	2	direct	direct	ADJ
afbr-1009	198	3	effect	effect	NOUN
afbr-1009	198	4	of	of	ADP
afbr-1009	198	5	financial	financial	ADJ
afbr-1009	198	6	knowledge	knowledge	NOUN
afbr-1009	198	7	on	on	ADP
afbr-1009	198	8	financial	financial	ADJ
afbr-1009	198	9	attitude	attitude	NOUN
afbr-1009	198	10	(	(	PUNCT
afbr-1009	198	11	0.223	0.223	NUM
afbr-1009	198	12	)	)	PUNCT
afbr-1009	198	13	is	be	AUX
afbr-1009	198	14	greater	great	ADJ
afbr-1009	198	15	than	than	ADP
afbr-1009	198	16	the	the	DET
afbr-1009	198	17	indirect	indirect	ADJ
afbr-1009	198	18	effect	effect	NOUN
afbr-1009	198	19	of	of	ADP
afbr-1009	198	20	financial	financial	ADJ
afbr-1009	198	21	knowledge	knowledge	NOUN
afbr-1009	198	22	on	on	ADP
afbr-1009	198	23	financial	financial	ADJ
afbr-1009	198	24	attitude	attitude	NOUN
afbr-1009	198	25	through	through	ADP
afbr-1009	198	26	financial	financial	ADJ
afbr-1009	198	27	self	self	NOUN
afbr-1009	198	28	-	-	PUNCT
afbr-1009	198	29	efficacy	efficacy	NOUN
afbr-1009	198	30	(	(	PUNCT
afbr-1009	198	31	0.110	0.110	NUM
afbr-1009	198	32	)	)	PUNCT
afbr-1009	198	33	,	,	PUNCT
afbr-1009	198	34	then	then	ADV
afbr-1009	198	35	the	the	DET
afbr-1009	198	36	direct	direct	ADJ
afbr-1009	198	37	influence	influence	NOUN
afbr-1009	198	38	that	that	PRON
afbr-1009	198	39	most	most	ADJ
afbr-1009	198	40	influences	influence	NOUN
afbr-1009	198	41	which	which	PRON
afbr-1009	198	42	mean	mean	VERB
afbr-1009	198	43	financial	financial	ADJ
afbr-1009	198	44	knowledge	knowledge	NOUN
afbr-1009	198	45	which	which	PRON
afbr-1009	198	46	will	will	AUX
afbr-1009	198	47	improve	improve	VERB
afbr-1009	198	48	financial	financial	ADJ
afbr-1009	198	49	attitude	attitude	NOUN
afbr-1009	198	50	.	.	PUNCT
afbr-1009	199	1	the	the	DET
afbr-1009	199	2	direct	direct	ADJ
afbr-1009	199	3	influence	influence	NOUN
afbr-1009	199	4	of	of	ADP
afbr-1009	199	5	financial	financial	ADJ
afbr-1009	199	6	knowledge	knowledge	NOUN
afbr-1009	199	7	on	on	ADP
afbr-1009	199	8	financial	financial	ADJ
afbr-1009	199	9	behavior	behavior	NOUN
afbr-1009	199	10	(	(	PUNCT
afbr-1009	199	11	0.061	0.061	NUM
afbr-1009	199	12	)	)	PUNCT
afbr-1009	199	13	is	be	AUX
afbr-1009	199	14	smaller	small	ADJ
afbr-1009	199	15	than	than	ADP
afbr-1009	199	16	the	the	DET
afbr-1009	199	17	indirect	indirect	ADJ
afbr-1009	199	18	effect	effect	NOUN
afbr-1009	199	19	(	(	PUNCT
afbr-1009	199	20	0.201	0.201	NUM
afbr-1009	199	21	)	)	PUNCT
afbr-1009	199	22	,	,	PUNCT
afbr-1009	199	23	then	then	ADV
afbr-1009	199	24	the	the	DET
afbr-1009	199	25	most	most	ADV
afbr-1009	199	26	influential	influential	ADJ
afbr-1009	199	27	is	be	AUX
afbr-1009	199	28	the	the	DET
afbr-1009	199	29	indirect	indirect	ADJ
afbr-1009	199	30	effect	effect	NOUN
afbr-1009	199	31	which	which	PRON
afbr-1009	199	32	means	mean	VERB
afbr-1009	199	33	through	through	ADP
afbr-1009	199	34	good	good	ADJ
afbr-1009	199	35	financial	financial	ADJ
afbr-1009	199	36	knowledge	knowledge	NOUN
afbr-1009	199	37	,	,	PUNCT
afbr-1009	199	38	financial	financial	ADJ
afbr-1009	199	39	self	self	NOUN
afbr-1009	199	40	-	-	PUNCT
afbr-1009	199	41	efficacy	efficacy	NOUN
afbr-1009	199	42	,	,	PUNCT
afbr-1009	199	43	and	and	CCONJ
afbr-1009	199	44	financial	financial	ADJ
afbr-1009	199	45	attitude	attitude	NOUN
afbr-1009	199	46	will	will	AUX
afbr-1009	199	47	improve	improve	VERB
afbr-1009	199	48	financial	financial	ADJ
afbr-1009	199	49	behavior	behavior	NOUN
afbr-1009	199	50	.	.	PUNCT
afbr-1009	200	1	the	the	DET
afbr-1009	200	2	direct	direct	ADJ
afbr-1009	200	3	effect	effect	NOUN
afbr-1009	200	4	of	of	ADP
afbr-1009	200	5	financial	financial	ADJ
afbr-1009	200	6	self	self	NOUN
afbr-1009	200	7	-	-	PUNCT
afbr-1009	200	8	efficacy	efficacy	NOUN
afbr-1009	200	9	on	on	ADP
afbr-1009	200	10	financial	financial	ADJ
afbr-1009	200	11	behavior	behavior	NOUN
afbr-1009	200	12	r	r	NOUN
afbr-1009	200	13	2	2	NUM
afbr-1009	200	14	=	=	SYM
afbr-1009	200	15	0,078	0,078	NUM
afbr-1009	200	16	r	r	NOUN
afbr-1009	200	17	2	2	NUM
afbr-1009	200	18	=	=	SYM
afbr-1009	200	19	0,253	0,253	NUM
afbr-1009	200	20	h3	h3	VERB
afbr-1009	200	21	0,393	0,393	NUM
afbr-1009	200	22	*	*	PUNCT
afbr-1009	200	23	*	*	PUNCT
afbr-1009	200	24	*	*	PUNCT
afbr-1009	200	25	h5	h5	NOUN
afbr-1009	200	26	0,28	0,28	PUNCT
afbr-1009	200	27	*	*	PUNCT
afbr-1009	200	28	*	*	PUNCT
afbr-1009	200	29	*	*	PUNCT
afbr-1009	200	30	0,157	0,157	NUM
afbr-1009	201	1	*	*	PUNCT
afbr-1009	201	2	*	*	PUNCT
afbr-1009	201	3	*	*	PUNCT
afbr-1009	201	4	h1	h1	PROPN
afbr-1009	201	5	h6	h6	PROPN
afbr-1009	201	6	0,223	0,223	PROPN
afbr-1009	201	7	*	*	PUNCT
afbr-1009	201	8	*	*	PUNCT
afbr-1009	201	9	*	*	PUNCT
afbr-1009	201	10	h2	h2	NOUN
afbr-1009	201	11	0,061	0,061	NUM
afbr-1009	201	12	r	r	NOUN
afbr-1009	201	13	2	2	NUM
afbr-1009	201	14	=	=	SYM
afbr-1009	201	15	0,343	0,343	NUM
afbr-1009	202	1	*	*	PUNCT
afbr-1009	202	2	*	*	PUNCT
afbr-1009	202	3	*	*	PUNCT
afbr-1009	202	4	significant	significant	ADJ
afbr-1009	202	5	at	at	ADP
afbr-1009	202	6	1	1	NUM
afbr-1009	202	7	%	%	NOUN
afbr-1009	202	8	hypothesis	hypothesis	NOUN
afbr-1009	202	9	rejectedhypothesis	rejectedhypothesis	NOUN
afbr-1009	202	10	accepted	accept	VERB
afbr-1009	202	11	h4	h4	NOUN
afbr-1009	202	12	0,472	0,472	NUM
afbr-1009	202	13	*	*	PUNCT
afbr-1009	202	14	*	*	PUNCT
afbr-1009	202	15	*	*	PUNCT
afbr-1009	202	16	financial	financial	ADJ
afbr-1009	202	17	knowledge	knowledge	NOUN
afbr-1009	202	18	financial	financial	ADJ
afbr-1009	202	19	self	self	NOUN
afbr-1009	202	20	-	-	PUNCT
afbr-1009	202	21	efficacy	efficacy	NOUN
afbr-1009	202	22	financial	financial	ADJ
afbr-1009	202	23	attitude	attitude	NOUN
afbr-1009	202	24	financial	financial	ADJ
afbr-1009	202	25	behavior	behavior	NOUN
afbr-1009	202	26	https://www.cribfb.com/journal/index.php/afbr	https://www.cribfb.com/journal/index.php/afbr	PROPN
afbr-1009	202	27	australian	australian	ADJ
afbr-1009	202	28	finance	finance	NOUN
afbr-1009	202	29	&	&	CCONJ
afbr-1009	202	30	banking	banking	PROPN
afbr-1009	202	31	review	review	PROPN
afbr-1009	202	32	vol	vol	NOUN
afbr-1009	202	33	.	.	PROPN
afbr-1009	203	1	5	5	NUM
afbr-1009	203	2	,	,	PUNCT
afbr-1009	203	3	no	no	INTJ
afbr-1009	203	4	.	.	NOUN
afbr-1009	203	5	1	1	NUM
afbr-1009	203	6	;	;	PUNCT
afbr-1009	203	7	2021	2021	NUM
afbr-1009	203	8	25	25	NUM
afbr-1009	203	9	(	(	PUNCT
afbr-1009	203	10	0.157	0.157	NUM
afbr-1009	203	11	)	)	PUNCT
afbr-1009	203	12	is	be	AUX
afbr-1009	203	13	smaller	small	ADJ
afbr-1009	203	14	than	than	ADP
afbr-1009	203	15	the	the	DET
afbr-1009	203	16	indirect	indirect	ADJ
afbr-1009	203	17	effect	effect	NOUN
afbr-1009	203	18	of	of	ADP
afbr-1009	203	19	financial	financial	ADJ
afbr-1009	203	20	self	self	NOUN
afbr-1009	203	21	-	-	PUNCT
afbr-1009	203	22	efficacy	efficacy	NOUN
afbr-1009	203	23	on	on	ADP
afbr-1009	203	24	financial	financial	ADJ
afbr-1009	203	25	behavior	behavior	NOUN
afbr-1009	203	26	through	through	ADP
afbr-1009	203	27	financial	financial	ADJ
afbr-1009	203	28	attitude	attitude	NOUN
afbr-1009	203	29	(	(	PUNCT
afbr-1009	203	30	0.185	0.185	NUM
afbr-1009	203	31	)	)	PUNCT
afbr-1009	203	32	,	,	PUNCT
afbr-1009	203	33	then	then	ADV
afbr-1009	203	34	the	the	DET
afbr-1009	203	35	most	most	ADV
afbr-1009	203	36	influential	influential	ADJ
afbr-1009	203	37	indirect	indirect	ADJ
afbr-1009	203	38	effect	effect	NOUN
afbr-1009	203	39	which	which	PRON
afbr-1009	203	40	means	mean	VERB
afbr-1009	203	41	a	a	DET
afbr-1009	203	42	good	good	ADJ
afbr-1009	203	43	financial	financial	ADJ
afbr-1009	203	44	self	self	NOUN
afbr-1009	203	45	-	-	PUNCT
afbr-1009	203	46	efficacy	efficacy	NOUN
afbr-1009	203	47	will	will	AUX
afbr-1009	203	48	increase	increase	VERB
afbr-1009	203	49	financial	financial	ADJ
afbr-1009	203	50	behavior	behavior	NOUN
afbr-1009	203	51	.	.	PUNCT
afbr-1009	204	1	discussion	discussion	NOUN
afbr-1009	204	2	the	the	DET
afbr-1009	204	3	positive	positive	ADJ
afbr-1009	204	4	influences	influence	NOUN
afbr-1009	204	5	of	of	ADP
afbr-1009	204	6	financial	financial	ADJ
afbr-1009	204	7	knowledge	knowledge	NOUN
afbr-1009	204	8	on	on	ADP
afbr-1009	204	9	financial	financial	ADJ
afbr-1009	204	10	self	self	NOUN
afbr-1009	204	11	-	-	PUNCT
afbr-1009	204	12	efficacy	efficacy	NOUN
afbr-1009	204	13	are	be	AUX
afbr-1009	204	14	significant	significant	ADJ
afbr-1009	204	15	because	because	SCONJ
afbr-1009	204	16	,	,	PUNCT
afbr-1009	204	17	with	with	ADP
afbr-1009	204	18	adequate	adequate	ADJ
afbr-1009	204	19	knowledge	knowledge	NOUN
afbr-1009	204	20	,	,	PUNCT
afbr-1009	204	21	a	a	DET
afbr-1009	204	22	person	person	NOUN
afbr-1009	204	23	will	will	AUX
afbr-1009	204	24	have	have	VERB
afbr-1009	204	25	the	the	DET
afbr-1009	204	26	desire	desire	NOUN
afbr-1009	204	27	to	to	PART
afbr-1009	204	28	develop	develop	VERB
afbr-1009	204	29	into	into	ADP
afbr-1009	204	30	a	a	DET
afbr-1009	204	31	better	well	ADJ
afbr-1009	204	32	person	person	NOUN
afbr-1009	204	33	.	.	PUNCT
afbr-1009	205	1	the	the	DET
afbr-1009	205	2	result	result	NOUN
afbr-1009	205	3	of	of	ADP
afbr-1009	205	4	the	the	DET
afbr-1009	205	5	study	study	NOUN
afbr-1009	205	6	is	be	AUX
afbr-1009	205	7	in	in	ADP
afbr-1009	205	8	line	line	NOUN
afbr-1009	205	9	with	with	ADP
afbr-1009	205	10	(	(	PUNCT
afbr-1009	205	11	serido	serido	NOUN
afbr-1009	205	12	et	et	NOUN
afbr-1009	205	13	al	al	PROPN
afbr-1009	205	14	.	.	PROPN
afbr-1009	205	15	,	,	PUNCT
afbr-1009	205	16	2013	2013	NUM
afbr-1009	205	17	)	)	PUNCT
afbr-1009	205	18	.	.	PUNCT
afbr-1009	206	1	understanding	understand	VERB
afbr-1009	206	2	financial	financial	ADJ
afbr-1009	206	3	concepts	concept	NOUN
afbr-1009	206	4	such	such	ADJ
afbr-1009	206	5	as	as	ADP
afbr-1009	206	6	money	money	NOUN
afbr-1009	206	7	management	management	NOUN
afbr-1009	206	8	,	,	PUNCT
afbr-1009	206	9	investment	investment	NOUN
afbr-1009	206	10	,	,	PUNCT
afbr-1009	206	11	and	and	CCONJ
afbr-1009	206	12	budgeting	budgeting	NOUN
afbr-1009	206	13	will	will	AUX
afbr-1009	206	14	enable	enable	VERB
afbr-1009	206	15	a	a	DET
afbr-1009	206	16	person	person	NOUN
afbr-1009	206	17	to	to	PART
afbr-1009	206	18	overcome	overcome	VERB
afbr-1009	206	19	difficult	difficult	ADJ
afbr-1009	206	20	financial	financial	ADJ
afbr-1009	206	21	problems	problem	NOUN
afbr-1009	206	22	if	if	SCONJ
afbr-1009	206	23	he	he	PRON
afbr-1009	206	24	/	/	SYM
afbr-1009	206	25	she	she	PRON
afbr-1009	206	26	tries	try	VERB
afbr-1009	206	27	hard	hard	ADV
afbr-1009	206	28	.	.	PUNCT
afbr-1009	207	1	the	the	DET
afbr-1009	207	2	positive	positive	ADJ
afbr-1009	207	3	influences	influence	NOUN
afbr-1009	207	4	of	of	ADP
afbr-1009	207	5	financial	financial	ADJ
afbr-1009	207	6	knowledge	knowledge	NOUN
afbr-1009	207	7	on	on	ADP
afbr-1009	207	8	financial	financial	ADJ
afbr-1009	207	9	attitude	attitude	NOUN
afbr-1009	207	10	is	be	AUX
afbr-1009	207	11	significant	significant	ADJ
afbr-1009	207	12	because	because	SCONJ
afbr-1009	207	13	good	good	ADJ
afbr-1009	207	14	financial	financial	ADJ
afbr-1009	207	15	knowledge	knowledge	NOUN
afbr-1009	207	16	will	will	AUX
afbr-1009	207	17	make	make	VERB
afbr-1009	207	18	someone	someone	PRON
afbr-1009	207	19	more	more	ADV
afbr-1009	207	20	preventive	preventive	ADJ
afbr-1009	207	21	.	.	PUNCT
afbr-1009	208	1	this	this	PRON
afbr-1009	208	2	are	be	AUX
afbr-1009	208	3	in	in	ADP
afbr-1009	208	4	line	line	NOUN
afbr-1009	208	5	with	with	ADP
afbr-1009	208	6	research	research	NOUN
afbr-1009	208	7	from	from	ADP
afbr-1009	208	8	(	(	PUNCT
afbr-1009	208	9	susan	susan	PROPN
afbr-1009	208	10	,	,	PUNCT
afbr-1009	208	11	2018	2018	NUM
afbr-1009	208	12	;	;	PUNCT
afbr-1009	208	13	yong	yong	PROPN
afbr-1009	208	14	et	et	PROPN
afbr-1009	208	15	al	al	PROPN
afbr-1009	208	16	.	.	PROPN
afbr-1009	208	17	,	,	PUNCT
afbr-1009	208	18	2018	2018	NUM
afbr-1009	208	19	)	)	PUNCT
afbr-1009	208	20	.	.	PUNCT
afbr-1009	209	1	adolescent	adolescent	ADJ
afbr-1009	209	2	understanding	understanding	NOUN
afbr-1009	209	3	of	of	ADP
afbr-1009	209	4	financial	financial	ADJ
afbr-1009	209	5	concepts	concept	NOUN
afbr-1009	209	6	will	will	AUX
afbr-1009	209	7	positively	positively	ADV
afbr-1009	209	8	determine	determine	VERB
afbr-1009	209	9	their	their	PRON
afbr-1009	209	10	financial	financial	ADJ
afbr-1009	209	11	attitudes	attitude	NOUN
afbr-1009	209	12	.	.	PUNCT
afbr-1009	210	1	accountability	accountability	NOUN
afbr-1009	210	2	for	for	ADP
afbr-1009	210	3	financial	financial	ADJ
afbr-1009	210	4	well	well	ADV
afbr-1009	210	5	-	-	PUNCT
afbr-1009	210	6	being	being	NOUN
afbr-1009	210	7	shows	show	VERB
afbr-1009	210	8	good	good	ADJ
afbr-1009	210	9	results	result	NOUN
afbr-1009	210	10	.	.	PUNCT
afbr-1009	211	1	adolescents	adolescent	NOUN
afbr-1009	211	2	like	like	VERB
afbr-1009	211	3	to	to	PART
afbr-1009	211	4	try	try	VERB
afbr-1009	211	5	new	new	ADJ
afbr-1009	211	6	things	thing	NOUN
afbr-1009	211	7	and	and	CCONJ
afbr-1009	211	8	form	form	VERB
afbr-1009	211	9	their	their	PRON
afbr-1009	211	10	personalities	personality	NOUN
afbr-1009	211	11	who	who	PRON
afbr-1009	211	12	like	like	VERB
afbr-1009	211	13	challenges	challenge	NOUN
afbr-1009	211	14	.	.	PUNCT
afbr-1009	212	1	the	the	DET
afbr-1009	212	2	positive	positive	ADJ
afbr-1009	212	3	influences	influence	NOUN
afbr-1009	212	4	of	of	ADP
afbr-1009	212	5	financial	financial	ADJ
afbr-1009	212	6	self	self	NOUN
afbr-1009	212	7	-	-	PUNCT
afbr-1009	212	8	efficacy	efficacy	NOUN
afbr-1009	212	9	on	on	ADP
afbr-1009	212	10	financial	financial	ADJ
afbr-1009	212	11	attitude	attitude	NOUN
afbr-1009	212	12	is	be	AUX
afbr-1009	212	13	significant	significant	ADJ
afbr-1009	212	14	because	because	SCONJ
afbr-1009	212	15	individuals	individual	NOUN
afbr-1009	212	16	have	have	VERB
afbr-1009	212	17	a	a	DET
afbr-1009	212	18	high	high	ADJ
afbr-1009	212	19	self	self	NOUN
afbr-1009	212	20	-	-	PUNCT
afbr-1009	212	21	efficacy	efficacy	NOUN
afbr-1009	212	22	to	to	PART
afbr-1009	212	23	do	do	AUX
afbr-1009	212	24	some	some	DET
afbr-1009	212	25	activities	activity	NOUN
afbr-1009	212	26	,	,	PUNCT
afbr-1009	212	27	they	they	PRON
afbr-1009	212	28	tend	tend	VERB
afbr-1009	212	29	to	to	PART
afbr-1009	212	30	try	try	VERB
afbr-1009	212	31	to	to	PART
afbr-1009	212	32	do	do	VERB
afbr-1009	212	33	this	this	DET
afbr-1009	212	34	activity	activity	NOUN
afbr-1009	212	35	and	and	CCONJ
afbr-1009	212	36	they	they	PRON
afbr-1009	212	37	develop	develop	VERB
afbr-1009	212	38	a	a	DET
afbr-1009	212	39	positive	positive	ADJ
afbr-1009	212	40	attitude	attitude	NOUN
afbr-1009	212	41	towards	towards	ADP
afbr-1009	212	42	this	this	DET
afbr-1009	212	43	action	action	NOUN
afbr-1009	212	44	.	.	PUNCT
afbr-1009	213	1	the	the	DET
afbr-1009	213	2	result	result	NOUN
afbr-1009	213	3	of	of	ADP
afbr-1009	213	4	this	this	DET
afbr-1009	213	5	study	study	NOUN
afbr-1009	213	6	is	be	AUX
afbr-1009	213	7	in	in	ADP
afbr-1009	213	8	line	line	NOUN
afbr-1009	213	9	with	with	ADP
afbr-1009	213	10	research	research	NOUN
afbr-1009	213	11	from	from	ADP
afbr-1009	213	12	(	(	PUNCT
afbr-1009	213	13	faique	faique	NOUN
afbr-1009	213	14	et	et	PROPN
afbr-1009	213	15	al	al	PROPN
afbr-1009	213	16	.	.	PROPN
afbr-1009	213	17	,	,	PUNCT
afbr-1009	213	18	2017	2017	NUM
afbr-1009	213	19	)	)	PUNCT
afbr-1009	213	20	.	.	PUNCT
afbr-1009	214	1	individuals	individual	NOUN
afbr-1009	214	2	will	will	AUX
afbr-1009	214	3	be	be	AUX
afbr-1009	214	4	more	more	ADV
afbr-1009	214	5	mature	mature	ADJ
afbr-1009	214	6	and	and	CCONJ
afbr-1009	214	7	will	will	AUX
afbr-1009	214	8	not	not	PART
afbr-1009	214	9	think	think	VERB
afbr-1009	214	10	too	too	ADV
afbr-1009	214	11	much	much	ADJ
afbr-1009	214	12	about	about	ADP
afbr-1009	214	13	financial	financial	ADJ
afbr-1009	214	14	problems	problem	NOUN
afbr-1009	214	15	such	such	ADJ
afbr-1009	214	16	as	as	ADP
afbr-1009	214	17	fighting	fight	VERB
afbr-1009	214	18	with	with	ADP
afbr-1009	214	19	parents	parent	NOUN
afbr-1009	214	20	or	or	CCONJ
afbr-1009	214	21	family	family	NOUN
afbr-1009	214	22	about	about	ADP
afbr-1009	214	23	finances	finance	NOUN
afbr-1009	214	24	.	.	PUNCT
afbr-1009	215	1	the	the	DET
afbr-1009	215	2	indicator	indicator	NOUN
afbr-1009	215	3	"	"	PUNCT
afbr-1009	215	4	i	i	PRON
afbr-1009	215	5	can	can	AUX
afbr-1009	215	6	always	always	ADV
afbr-1009	215	7	overcome	overcome	VERB
afbr-1009	215	8	difficult	difficult	ADJ
afbr-1009	215	9	problems	problem	NOUN
afbr-1009	215	10	if	if	SCONJ
afbr-1009	215	11	i	i	PRON
afbr-1009	215	12	try	try	VERB
afbr-1009	215	13	hard	hard	ADV
afbr-1009	215	14	"	"	PUNCT
afbr-1009	215	15	shows	show	VERB
afbr-1009	215	16	an	an	DET
afbr-1009	215	17	independent	independent	ADJ
afbr-1009	215	18	personality	personality	NOUN
afbr-1009	215	19	that	that	PRON
afbr-1009	215	20	is	be	AUX
afbr-1009	215	21	very	very	ADV
afbr-1009	215	22	consistent	consistent	ADJ
afbr-1009	215	23	and	and	CCONJ
afbr-1009	215	24	strengthens	strengthen	VERB
afbr-1009	215	25	the	the	DET
afbr-1009	215	26	character	character	NOUN
afbr-1009	215	27	of	of	ADP
afbr-1009	215	28	individuals	individual	NOUN
afbr-1009	215	29	plus	plus	CCONJ
afbr-1009	215	30	the	the	DET
afbr-1009	215	31	indicator	indicator	NOUN
afbr-1009	215	32	"	"	PUNCT
afbr-1009	215	33	i	i	PRON
afbr-1009	215	34	feel	feel	VERB
afbr-1009	215	35	confident	confident	ADJ
afbr-1009	215	36	in	in	ADP
afbr-1009	215	37	my	my	PRON
afbr-1009	215	38	ability	ability	NOUN
afbr-1009	215	39	to	to	PART
afbr-1009	215	40	manage	manage	VERB
afbr-1009	215	41	my	my	PRON
afbr-1009	215	42	own	own	ADJ
afbr-1009	215	43	finances	finance	NOUN
afbr-1009	215	44	"	"	PUNCT
afbr-1009	215	45	shows	show	VERB
afbr-1009	215	46	high	high	ADJ
afbr-1009	215	47	confidence	confidence	NOUN
afbr-1009	215	48	that	that	PRON
afbr-1009	215	49	will	will	AUX
afbr-1009	215	50	encourage	encourage	VERB
afbr-1009	215	51	someone	someone	PRON
afbr-1009	215	52	's	's	PART
afbr-1009	215	53	independence	independence	NOUN
afbr-1009	215	54	.the	.the	DET
afbr-1009	215	55	positive	positive	ADJ
afbr-1009	215	56	influences	influence	NOUN
afbr-1009	215	57	of	of	ADP
afbr-1009	215	58	financial	financial	ADJ
afbr-1009	215	59	knowledge	knowledge	NOUN
afbr-1009	215	60	on	on	ADP
afbr-1009	215	61	financial	financial	ADJ
afbr-1009	215	62	behavior	behavior	NOUN
afbr-1009	215	63	is	be	AUX
afbr-1009	215	64	not	not	PART
afbr-1009	215	65	significant	significant	ADJ
afbr-1009	215	66	because	because	SCONJ
afbr-1009	215	67	adolescents	adolescent	NOUN
afbr-1009	215	68	still	still	ADV
afbr-1009	215	69	do	do	AUX
afbr-1009	215	70	not	not	PART
afbr-1009	215	71	have	have	VERB
afbr-1009	215	72	much	much	ADJ
afbr-1009	215	73	experience	experience	NOUN
afbr-1009	215	74	in	in	ADP
afbr-1009	215	75	finance	finance	NOUN
afbr-1009	215	76	so	so	SCONJ
afbr-1009	215	77	they	they	PRON
afbr-1009	215	78	can	can	AUX
afbr-1009	215	79	not	not	PART
afbr-1009	215	80	behave	behave	VERB
afbr-1009	215	81	properly	properly	ADV
afbr-1009	215	82	.	.	PUNCT
afbr-1009	216	1	this	this	PRON
afbr-1009	216	2	are	be	AUX
afbr-1009	216	3	in	in	ADP
afbr-1009	216	4	line	line	NOUN
afbr-1009	216	5	with	with	ADP
afbr-1009	216	6	research	research	NOUN
afbr-1009	216	7	from	from	ADP
afbr-1009	216	8	(	(	PUNCT
afbr-1009	216	9	yong	yong	PROPN
afbr-1009	216	10	et	et	PROPN
afbr-1009	216	11	al	al	PROPN
afbr-1009	216	12	.	.	PROPN
afbr-1009	216	13	,	,	PUNCT
afbr-1009	216	14	2018)on	2018)on	PROPN
afbr-1009	216	15	indian	indian	PROPN
afbr-1009	216	16	ethnic	ethnic	ADJ
afbr-1009	216	17	and	and	CCONJ
afbr-1009	216	18	(	(	PUNCT
afbr-1009	216	19	joo	joo	PROPN
afbr-1009	216	20	&	&	CCONJ
afbr-1009	216	21	grable	grable	PROPN
afbr-1009	216	22	,	,	PUNCT
afbr-1009	216	23	2004	2004	NUM
afbr-1009	216	24	)	)	PUNCT
afbr-1009	216	25	but	but	CCONJ
afbr-1009	216	26	not	not	PART
afbr-1009	216	27	in	in	ADP
afbr-1009	216	28	line	line	NOUN
afbr-1009	216	29	with	with	ADP
afbr-1009	216	30	research	research	NOUN
afbr-1009	216	31	from	from	ADP
afbr-1009	216	32	(	(	PUNCT
afbr-1009	216	33	arifin	arifin	PROPN
afbr-1009	216	34	,	,	PUNCT
afbr-1009	216	35	2017	2017	NUM
afbr-1009	216	36	,	,	PUNCT
afbr-1009	216	37	2018	2018	NUM
afbr-1009	216	38	;	;	PUNCT
afbr-1009	216	39	ismail	ismail	PROPN
afbr-1009	216	40	et	et	PROPN
afbr-1009	216	41	al	al	PROPN
afbr-1009	216	42	.	.	PROPN
afbr-1009	216	43	,	,	PUNCT
afbr-1009	216	44	2017	2017	NUM
afbr-1009	216	45	;	;	PUNCT
afbr-1009	216	46	mien	mien	PROPN
afbr-1009	216	47	&	&	CCONJ
afbr-1009	216	48	thao	thao	PROPN
afbr-1009	216	49	,	,	PUNCT
afbr-1009	216	50	2015	2015	NUM
afbr-1009	216	51	)	)	PUNCT
afbr-1009	216	52	and	and	CCONJ
afbr-1009	216	53	(	(	PUNCT
afbr-1009	216	54	yong	yong	PROPN
afbr-1009	216	55	et	et	PROPN
afbr-1009	216	56	al	al	PROPN
afbr-1009	216	57	.	.	PROPN
afbr-1009	216	58	,	,	PUNCT
afbr-1009	216	59	2018	2018	NUM
afbr-1009	216	60	)	)	PUNCT
afbr-1009	216	61	on	on	ADP
afbr-1009	216	62	other	other	ADJ
afbr-1009	216	63	ethnics	ethnic	NOUN
afbr-1009	216	64	.	.	PUNCT
afbr-1009	217	1	it	it	PRON
afbr-1009	217	2	is	be	AUX
afbr-1009	217	3	only	only	ADV
afbr-1009	217	4	natural	natural	ADJ
afbr-1009	217	5	if	if	SCONJ
afbr-1009	217	6	their	their	PRON
afbr-1009	217	7	knowledge	knowledge	NOUN
afbr-1009	217	8	is	be	AUX
afbr-1009	217	9	still	still	ADV
afbr-1009	217	10	lacking	lack	VERB
afbr-1009	217	11	in	in	ADP
afbr-1009	217	12	financial	financial	ADJ
afbr-1009	217	13	analysis	analysis	NOUN
afbr-1009	217	14	.	.	PUNCT
afbr-1009	218	1	lack	lack	NOUN
afbr-1009	218	2	of	of	ADP
afbr-1009	218	3	knowledge	knowledge	NOUN
afbr-1009	218	4	about	about	ADP
afbr-1009	218	5	financial	financial	ADJ
afbr-1009	218	6	knowledge	knowledge	NOUN
afbr-1009	218	7	will	will	AUX
afbr-1009	218	8	lead	lead	VERB
afbr-1009	218	9	to	to	ADP
afbr-1009	218	10	bankruptcy	bankruptcy	NOUN
afbr-1009	218	11	,	,	PUNCT
afbr-1009	218	12	credit	credit	NOUN
afbr-1009	218	13	problems	problem	NOUN
afbr-1009	218	14	,	,	PUNCT
afbr-1009	218	15	low	low	ADJ
afbr-1009	218	16	savings	saving	NOUN
afbr-1009	218	17	rates	rate	NOUN
afbr-1009	218	18	,	,	PUNCT
afbr-1009	218	19	and	and	CCONJ
afbr-1009	218	20	the	the	DET
afbr-1009	218	21	pleasure	pleasure	NOUN
afbr-1009	218	22	of	of	ADP
afbr-1009	218	23	impulsive	impulsive	ADJ
afbr-1009	218	24	purchases	purchase	NOUN
afbr-1009	218	25	.	.	PUNCT
afbr-1009	219	1	the	the	DET
afbr-1009	219	2	positive	positive	ADJ
afbr-1009	219	3	influences	influence	NOUN
afbr-1009	219	4	of	of	ADP
afbr-1009	219	5	financial	financial	ADJ
afbr-1009	219	6	self	self	NOUN
afbr-1009	219	7	-	-	PUNCT
afbr-1009	219	8	efficacy	efficacy	NOUN
afbr-1009	219	9	on	on	ADP
afbr-1009	219	10	financial	financial	ADJ
afbr-1009	219	11	behavior	behavior	NOUN
afbr-1009	219	12	are	be	AUX
afbr-1009	219	13	significant	significant	ADJ
afbr-1009	219	14	because	because	SCONJ
afbr-1009	219	15	good	good	ADJ
afbr-1009	219	16	financial	financial	ADJ
afbr-1009	219	17	efficacy	efficacy	NOUN
afbr-1009	219	18	will	will	AUX
afbr-1009	219	19	be	be	AUX
afbr-1009	219	20	in	in	ADP
afbr-1009	219	21	line	line	NOUN
afbr-1009	219	22	with	with	ADP
afbr-1009	219	23	adolescent	adolescent	ADJ
afbr-1009	219	24	financial	financial	ADJ
afbr-1009	219	25	habits	habit	NOUN
afbr-1009	219	26	.	.	PUNCT
afbr-1009	220	1	the	the	DET
afbr-1009	220	2	results	result	NOUN
afbr-1009	220	3	of	of	ADP
afbr-1009	220	4	this	this	DET
afbr-1009	220	5	study	study	NOUN
afbr-1009	220	6	are	be	AUX
afbr-1009	220	7	in	in	ADP
afbr-1009	220	8	line	line	NOUN
afbr-1009	220	9	with	with	ADP
afbr-1009	220	10	research	research	NOUN
afbr-1009	220	11	from	from	ADP
afbr-1009	220	12	(	(	PUNCT
afbr-1009	220	13	faique	faique	NOUN
afbr-1009	220	14	et	et	PROPN
afbr-1009	220	15	al	al	PROPN
afbr-1009	220	16	.	.	PROPN
afbr-1009	220	17	,	,	PUNCT
afbr-1009	220	18	2017	2017	NUM
afbr-1009	220	19	;	;	PUNCT
afbr-1009	220	20	herawati	herawati	PROPN
afbr-1009	220	21	et	et	PROPN
afbr-1009	220	22	al	al	PROPN
afbr-1009	220	23	.	.	PROPN
afbr-1009	220	24	,	,	PUNCT
afbr-1009	220	25	2018	2018	NUM
afbr-1009	220	26	;	;	PUNCT
afbr-1009	220	27	ismail	ismail	PROPN
afbr-1009	220	28	et	et	PROPN
afbr-1009	220	29	al	al	PROPN
afbr-1009	220	30	.	.	PROPN
afbr-1009	220	31	,	,	PUNCT
afbr-1009	220	32	2017	2017	NUM
afbr-1009	220	33	;	;	PUNCT
afbr-1009	220	34	serido	serido	PRON
afbr-1009	220	35	et	et	PROPN
afbr-1009	220	36	al	al	PROPN
afbr-1009	220	37	.	.	PROPN
afbr-1009	220	38	,	,	PUNCT
afbr-1009	220	39	2013	2013	NUM
afbr-1009	220	40	)	)	PUNCT
afbr-1009	220	41	.	.	PUNCT
afbr-1009	221	1	adolescents	adolescent	NOUN
afbr-1009	221	2	who	who	PRON
afbr-1009	221	3	are	be	AUX
afbr-1009	221	4	independent	independent	ADJ
afbr-1009	221	5	and	and	CCONJ
afbr-1009	221	6	dare	dare	VERB
afbr-1009	221	7	to	to	PART
afbr-1009	221	8	go	go	VERB
afbr-1009	221	9	outside	outside	ADP
afbr-1009	221	10	the	the	DET
afbr-1009	221	11	city	city	NOUN
afbr-1009	221	12	/	/	SYM
afbr-1009	221	13	country	country	NOUN
afbr-1009	221	14	to	to	PART
afbr-1009	221	15	study	study	VERB
afbr-1009	221	16	or	or	CCONJ
afbr-1009	221	17	work	work	VERB
afbr-1009	221	18	.	.	PUNCT
afbr-1009	222	1	the	the	DET
afbr-1009	222	2	lifestyle	lifestyle	NOUN
afbr-1009	222	3	of	of	ADP
afbr-1009	222	4	saving	save	VERB
afbr-1009	222	5	for	for	ADP
afbr-1009	222	6	the	the	DET
afbr-1009	222	7	necessities	necessity	NOUN
afbr-1009	222	8	of	of	ADP
afbr-1009	222	9	living	live	VERB
afbr-1009	222	10	outside	outside	ADV
afbr-1009	222	11	will	will	AUX
afbr-1009	222	12	make	make	VERB
afbr-1009	222	13	them	they	PRON
afbr-1009	222	14	more	more	ADV
afbr-1009	222	15	careful	careful	ADJ
afbr-1009	222	16	when	when	SCONJ
afbr-1009	222	17	shopping	shopping	NOUN
afbr-1009	222	18	and	and	CCONJ
afbr-1009	222	19	will	will	AUX
afbr-1009	222	20	change	change	VERB
afbr-1009	222	21	their	their	PRON
afbr-1009	222	22	behavior	behavior	NOUN
afbr-1009	222	23	slowly	slowly	ADV
afbr-1009	222	24	.	.	PUNCT
afbr-1009	223	1	the	the	DET
afbr-1009	223	2	positive	positive	ADJ
afbr-1009	223	3	influences	influence	NOUN
afbr-1009	223	4	of	of	ADP
afbr-1009	223	5	financial	financial	ADJ
afbr-1009	223	6	attitude	attitude	NOUN
afbr-1009	223	7	on	on	ADP
afbr-1009	223	8	financial	financial	ADJ
afbr-1009	223	9	behavior	behavior	NOUN
afbr-1009	223	10	is	be	AUX
afbr-1009	223	11	significant	significant	ADJ
afbr-1009	223	12	because	because	SCONJ
afbr-1009	223	13	a	a	DET
afbr-1009	223	14	person	person	NOUN
afbr-1009	223	15	's	's	PART
afbr-1009	223	16	attitude	attitude	NOUN
afbr-1009	223	17	towards	towards	ADP
afbr-1009	223	18	finances	finance	NOUN
afbr-1009	223	19	will	will	AUX
afbr-1009	223	20	affect	affect	VERB
afbr-1009	223	21	the	the	DET
afbr-1009	223	22	person	person	NOUN
afbr-1009	223	23	's	's	PART
afbr-1009	223	24	habits	habit	NOUN
afbr-1009	223	25	.	.	PUNCT
afbr-1009	224	1	the	the	DET
afbr-1009	224	2	results	result	NOUN
afbr-1009	224	3	of	of	ADP
afbr-1009	224	4	the	the	DET
afbr-1009	224	5	study	study	NOUN
afbr-1009	224	6	are	be	AUX
afbr-1009	224	7	in	in	ADP
afbr-1009	224	8	line	line	NOUN
afbr-1009	224	9	with	with	ADP
afbr-1009	224	10	(	(	PUNCT
afbr-1009	224	11	ameliawati	ameliawati	PROPN
afbr-1009	224	12	&	&	CCONJ
afbr-1009	224	13	setiyani	setiyani	PROPN
afbr-1009	224	14	,	,	PUNCT
afbr-1009	224	15	2018	2018	NUM
afbr-1009	224	16	;	;	PUNCT
afbr-1009	224	17	arifin	arifin	PROPN
afbr-1009	224	18	,	,	PUNCT
afbr-1009	224	19	2018	2018	NUM
afbr-1009	224	20	;	;	PUNCT
afbr-1009	224	21	faique	faique	NOUN
afbr-1009	224	22	et	et	PROPN
afbr-1009	224	23	al	al	PROPN
afbr-1009	224	24	.	.	PROPN
afbr-1009	224	25	,	,	PUNCT
afbr-1009	224	26	2017	2017	NUM
afbr-1009	224	27	;	;	PUNCT
afbr-1009	224	28	mien	mien	PROPN
afbr-1009	224	29	&	&	CCONJ
afbr-1009	224	30	thao	thao	PROPN
afbr-1009	224	31	,	,	PUNCT
afbr-1009	224	32	2015	2015	NUM
afbr-1009	224	33	;	;	PUNCT
afbr-1009	225	1	serido	serido	PRON
afbr-1009	225	2	et	et	PROPN
afbr-1009	225	3	al	al	PROPN
afbr-1009	225	4	.	.	PROPN
afbr-1009	225	5	,	,	PUNCT
afbr-1009	225	6	2013	2013	NUM
afbr-1009	225	7	;	;	PUNCT
afbr-1009	225	8	susan	susan	PROPN
afbr-1009	225	9	,	,	PUNCT
afbr-1009	225	10	2018	2018	NUM
afbr-1009	225	11	;	;	PUNCT
afbr-1009	225	12	yap	yap	PROPN
afbr-1009	225	13	,	,	PUNCT
afbr-1009	225	14	komalasari	komalasari	NOUN
afbr-1009	225	15	,	,	PUNCT
afbr-1009	225	16	&	&	CCONJ
afbr-1009	225	17	hadiansah	hadiansah	PROPN
afbr-1009	225	18	,	,	PUNCT
afbr-1009	225	19	2016	2016	NUM
afbr-1009	225	20	;	;	PUNCT
afbr-1009	225	21	yong	yong	PROPN
afbr-1009	225	22	et	et	PROPN
afbr-1009	225	23	al	al	PROPN
afbr-1009	225	24	.	.	PROPN
afbr-1009	225	25	,	,	PUNCT
afbr-1009	225	26	2018)and	2018)and	PRON
afbr-1009	225	27	not	not	PART
afbr-1009	225	28	in	in	ADP
afbr-1009	225	29	line	line	NOUN
afbr-1009	225	30	with	with	ADP
afbr-1009	225	31	research	research	NOUN
afbr-1009	225	32	(	(	PUNCT
afbr-1009	225	33	falahati	falahati	PROPN
afbr-1009	225	34	et	et	PROPN
afbr-1009	225	35	al	al	PROPN
afbr-1009	225	36	.	.	PROPN
afbr-1009	225	37	,	,	PUNCT
afbr-1009	225	38	2012	2012	NUM
afbr-1009	225	39	;	;	PUNCT
afbr-1009	225	40	ismail	ismail	PROPN
afbr-1009	225	41	et	et	PROPN
afbr-1009	225	42	al	al	PROPN
afbr-1009	225	43	.	.	PROPN
afbr-1009	225	44	,	,	PUNCT
afbr-1009	225	45	2017	2017	NUM
afbr-1009	225	46	)	)	PUNCT
afbr-1009	225	47	.	.	PUNCT
afbr-1009	226	1	adolescents	adolescent	NOUN
afbr-1009	226	2	who	who	PRON
afbr-1009	226	3	mostly	mostly	ADV
afbr-1009	226	4	wander	wander	VERB
afbr-1009	226	5	allocate	allocate	ADJ
afbr-1009	226	6	money	money	NOUN
afbr-1009	226	7	from	from	ADP
afbr-1009	226	8	their	their	PRON
afbr-1009	226	9	parents	parent	NOUN
afbr-1009	226	10	(	(	PUNCT
afbr-1009	226	11	for	for	ADP
afbr-1009	226	12	those	those	PRON
afbr-1009	226	13	who	who	PRON
afbr-1009	226	14	are	be	AUX
afbr-1009	226	15	not	not	PART
afbr-1009	226	16	yet	yet	ADV
afbr-1009	226	17	working	work	VERB
afbr-1009	226	18	)	)	PUNCT
afbr-1009	226	19	depending	depend	VERB
afbr-1009	226	20	on	on	ADP
afbr-1009	226	21	each	each	DET
afbr-1009	226	22	other	other	ADJ
afbr-1009	226	23	's	's	PART
afbr-1009	226	24	behavior	behavior	NOUN
afbr-1009	226	25	.	.	PUNCT
afbr-1009	227	1	some	some	PRON
afbr-1009	227	2	of	of	ADP
afbr-1009	227	3	them	they	PRON
afbr-1009	227	4	even	even	ADV
afbr-1009	227	5	spend	spend	VERB
afbr-1009	227	6	it	it	PRON
afbr-1009	227	7	and	and	CCONJ
afbr-1009	227	8	ask	ask	VERB
afbr-1009	227	9	for	for	ADP
afbr-1009	227	10	extra	extra	ADJ
afbr-1009	227	11	and	and	CCONJ
afbr-1009	227	12	some	some	PRON
afbr-1009	227	13	set	set	VERB
afbr-1009	227	14	aside	aside	ADV
afbr-1009	227	15	to	to	PART
afbr-1009	227	16	save	save	VERB
afbr-1009	227	17	.	.	PUNCT
afbr-1009	228	1	this	this	PRON
afbr-1009	228	2	can	can	AUX
afbr-1009	228	3	form	form	VERB
afbr-1009	228	4	a	a	DET
afbr-1009	228	5	personality	personality	NOUN
afbr-1009	228	6	that	that	PRON
afbr-1009	228	7	has	have	AUX
afbr-1009	228	8	prepared	prepare	VERB
afbr-1009	228	9	everything	everything	PRON
afbr-1009	228	10	for	for	ADP
afbr-1009	228	11	its	its	PRON
afbr-1009	228	12	future	future	NOUN
afbr-1009	228	13	,	,	PUNCT
afbr-1009	228	14	especially	especially	ADV
afbr-1009	228	15	if	if	SCONJ
afbr-1009	228	16	there	there	PRON
afbr-1009	228	17	is	be	VERB
afbr-1009	228	18	an	an	DET
afbr-1009	228	19	urgent	urgent	ADJ
afbr-1009	228	20	need	need	NOUN
afbr-1009	228	21	.	.	PUNCT
afbr-1009	229	1	https://www.cribfb.com/journal/index.php/afbr	https://www.cribfb.com/journal/index.php/afbr	ADJ
afbr-1009	229	2	australian	australian	ADJ
afbr-1009	229	3	finance	finance	NOUN
afbr-1009	229	4	&	&	CCONJ
afbr-1009	229	5	banking	banking	PROPN
afbr-1009	229	6	review	review	PROPN
afbr-1009	229	7	vol	vol	NOUN
afbr-1009	229	8	.	.	PROPN
afbr-1009	229	9	5	5	NUM
afbr-1009	229	10	,	,	PUNCT
afbr-1009	229	11	no	no	INTJ
afbr-1009	229	12	.	.	NOUN
afbr-1009	229	13	1	1	NUM
afbr-1009	229	14	;	;	PUNCT
afbr-1009	229	15	2021	2021	NUM
afbr-1009	229	16	26	26	NUM
afbr-1009	229	17	conclusions	conclusion	NOUN
afbr-1009	229	18	and	and	CCONJ
afbr-1009	229	19	recommendations	recommendation	NOUN
afbr-1009	229	20	this	this	DET
afbr-1009	229	21	study	study	NOUN
afbr-1009	229	22	aims	aim	VERB
afbr-1009	229	23	to	to	PART
afbr-1009	229	24	observe	observe	VERB
afbr-1009	229	25	to	to	PART
afbr-1009	229	26	explore	explore	VERB
afbr-1009	229	27	the	the	DET
afbr-1009	229	28	most	most	ADV
afbr-1009	229	29	influential	influential	ADJ
afbr-1009	229	30	factors	factor	NOUN
afbr-1009	229	31	on	on	ADP
afbr-1009	229	32	financial	financial	ADJ
afbr-1009	229	33	behavior	behavior	NOUN
afbr-1009	229	34	among	among	ADP
afbr-1009	229	35	graduate	graduate	NOUN
afbr-1009	229	36	students	student	NOUN
afbr-1009	229	37	in	in	ADP
afbr-1009	229	38	indonesia	indonesia	PROPN
afbr-1009	229	39	.	.	PUNCT
afbr-1009	230	1	the	the	DET
afbr-1009	230	2	results	result	NOUN
afbr-1009	230	3	of	of	ADP
afbr-1009	230	4	the	the	DET
afbr-1009	230	5	study	study	NOUN
afbr-1009	230	6	concluded	conclude	VERB
afbr-1009	230	7	that	that	SCONJ
afbr-1009	230	8	there	there	PRON
afbr-1009	230	9	is	be	VERB
afbr-1009	230	10	an	an	DET
afbr-1009	230	11	influence	influence	NOUN
afbr-1009	230	12	that	that	PRON
afbr-1009	230	13	gives	give	VERB
afbr-1009	230	14	meaning	meaning	NOUN
afbr-1009	230	15	to	to	ADP
afbr-1009	230	16	financial	financial	ADJ
afbr-1009	230	17	knowledge	knowledge	NOUN
afbr-1009	230	18	on	on	ADP
afbr-1009	230	19	financial	financial	ADJ
afbr-1009	230	20	self	self	NOUN
afbr-1009	230	21	-	-	PUNCT
afbr-1009	230	22	efficacy	efficacy	NOUN
afbr-1009	230	23	;	;	PUNCT
afbr-1009	230	24	financial	financial	ADJ
afbr-1009	230	25	self	self	NOUN
afbr-1009	230	26	-	-	PUNCT
afbr-1009	230	27	efficacy	efficacy	NOUN
afbr-1009	230	28	and	and	CCONJ
afbr-1009	230	29	financial	financial	ADJ
afbr-1009	230	30	knowledge	knowledge	NOUN
afbr-1009	230	31	of	of	ADP
afbr-1009	230	32	financial	financial	ADJ
afbr-1009	230	33	behavior	behavior	NOUN
afbr-1009	230	34	;	;	PUNCT
afbr-1009	230	35	financial	financial	ADJ
afbr-1009	230	36	attitude	attitude	NOUN
afbr-1009	230	37	and	and	CCONJ
afbr-1009	230	38	financial	financial	ADJ
afbr-1009	230	39	self	self	NOUN
afbr-1009	230	40	-	-	PUNCT
afbr-1009	230	41	efficacy	efficacy	NOUN
afbr-1009	230	42	towards	towards	ADP
afbr-1009	230	43	financial	financial	ADJ
afbr-1009	230	44	behavior	behavior	NOUN
afbr-1009	230	45	but	but	CCONJ
afbr-1009	230	46	there	there	PRON
afbr-1009	230	47	is	be	VERB
afbr-1009	230	48	no	no	DET
afbr-1009	230	49	significant	significant	ADJ
afbr-1009	230	50	influence	influence	NOUN
afbr-1009	230	51	of	of	ADP
afbr-1009	230	52	financial	financial	ADJ
afbr-1009	230	53	knowledge	knowledge	NOUN
afbr-1009	230	54	on	on	ADP
afbr-1009	230	55	financial	financial	ADJ
afbr-1009	230	56	behavior	behavior	NOUN
afbr-1009	230	57	for	for	ADP
afbr-1009	230	58	students	student	NOUN
afbr-1009	230	59	in	in	ADP
afbr-1009	230	60	indonesia	indonesia	PROPN
afbr-1009	230	61	.	.	PUNCT
afbr-1009	231	1	the	the	DET
afbr-1009	231	2	results	result	NOUN
afbr-1009	231	3	showed	show	VERB
afbr-1009	231	4	that	that	SCONJ
afbr-1009	231	5	adolescent	adolescent	ADJ
afbr-1009	231	6	habits	habit	NOUN
afbr-1009	231	7	are	be	AUX
afbr-1009	231	8	still	still	ADV
afbr-1009	231	9	not	not	PART
afbr-1009	231	10	good	good	ADJ
afbr-1009	231	11	but	but	CCONJ
afbr-1009	231	12	can	can	AUX
afbr-1009	231	13	be	be	AUX
afbr-1009	231	14	improved	improve	VERB
afbr-1009	231	15	through	through	ADP
afbr-1009	231	16	education	education	NOUN
afbr-1009	231	17	such	such	ADJ
afbr-1009	231	18	as	as	ADP
afbr-1009	231	19	character	character	NOUN
afbr-1009	231	20	education	education	NOUN
afbr-1009	231	21	and	and	CCONJ
afbr-1009	231	22	achievement	achievement	NOUN
afbr-1009	231	23	of	of	ADP
afbr-1009	231	24	a	a	DET
afbr-1009	231	25	better	well	ADJ
afbr-1009	231	26	motivation	motivation	NOUN
afbr-1009	231	27	to	to	PART
afbr-1009	231	28	deal	deal	VERB
afbr-1009	231	29	with	with	ADP
afbr-1009	231	30	economic	economic	ADJ
afbr-1009	231	31	problems	problem	NOUN
afbr-1009	231	32	.	.	PUNCT
afbr-1009	232	1	good	good	ADJ
afbr-1009	232	2	habits	habit	NOUN
afbr-1009	232	3	can	can	AUX
afbr-1009	232	4	be	be	AUX
afbr-1009	232	5	passed	pass	VERB
afbr-1009	232	6	on	on	ADP
afbr-1009	232	7	to	to	ADP
afbr-1009	232	8	friends	friend	NOUN
afbr-1009	232	9	of	of	ADP
afbr-1009	232	10	his	his	PRON
afbr-1009	232	11	age	age	NOUN
afbr-1009	232	12	,	,	PUNCT
afbr-1009	232	13	especially	especially	ADV
afbr-1009	232	14	adolescents	adolescent	NOUN
afbr-1009	232	15	so	so	SCONJ
afbr-1009	232	16	they	they	PRON
afbr-1009	232	17	can	can	AUX
afbr-1009	232	18	have	have	VERB
afbr-1009	232	19	a	a	DET
afbr-1009	232	20	good	good	ADJ
afbr-1009	232	21	future	future	NOUN
afbr-1009	232	22	.	.	PUNCT
afbr-1009	233	1	the	the	DET
afbr-1009	233	2	weakness	weakness	NOUN
afbr-1009	233	3	of	of	ADP
afbr-1009	233	4	this	this	DET
afbr-1009	233	5	study	study	NOUN
afbr-1009	233	6	is	be	AUX
afbr-1009	233	7	that	that	SCONJ
afbr-1009	233	8	the	the	DET
afbr-1009	233	9	sample	sample	NOUN
afbr-1009	233	10	size	size	NOUN
afbr-1009	233	11	is	be	AUX
afbr-1009	233	12	small	small	ADJ
afbr-1009	233	13	and	and	CCONJ
afbr-1009	233	14	homogeneous	homogeneous	ADJ
afbr-1009	233	15	.	.	PUNCT
afbr-1009	234	1	the	the	DET
afbr-1009	234	2	variables	variable	NOUN
afbr-1009	234	3	used	use	VERB
afbr-1009	234	4	are	be	AUX
afbr-1009	234	5	still	still	ADV
afbr-1009	234	6	limited	limit	VERB
afbr-1009	234	7	to	to	ADP
afbr-1009	234	8	those	those	PRON
afbr-1009	234	9	commonly	commonly	ADV
afbr-1009	234	10	used	use	VERB
afbr-1009	234	11	in	in	ADP
afbr-1009	234	12	human	human	ADJ
afbr-1009	234	13	resource	resource	NOUN
afbr-1009	234	14	management	management	NOUN
afbr-1009	234	15	research	research	NOUN
afbr-1009	234	16	,	,	PUNCT
afbr-1009	234	17	and	and	CCONJ
afbr-1009	234	18	the	the	DET
afbr-1009	234	19	analysis	analysis	NOUN
afbr-1009	234	20	technique	technique	NOUN
afbr-1009	234	21	is	be	AUX
afbr-1009	234	22	still	still	ADV
afbr-1009	234	23	simple	simple	ADJ
afbr-1009	234	24	.	.	PUNCT
afbr-1009	235	1	it	it	PRON
afbr-1009	235	2	is	be	AUX
afbr-1009	235	3	hoped	hope	VERB
afbr-1009	235	4	that	that	SCONJ
afbr-1009	235	5	future	future	ADJ
afbr-1009	235	6	research	research	NOUN
afbr-1009	235	7	can	can	AUX
afbr-1009	235	8	use	use	VERB
afbr-1009	235	9	a	a	DET
afbr-1009	235	10	more	more	ADV
afbr-1009	235	11	diverse	diverse	ADJ
afbr-1009	235	12	sample	sample	NOUN
afbr-1009	235	13	,	,	PUNCT
afbr-1009	235	14	use	use	VERB
afbr-1009	235	15	an	an	DET
afbr-1009	235	16	interdisciplinary	interdisciplinary	ADJ
afbr-1009	235	17	(	(	PUNCT
afbr-1009	235	18	interdisciplinary	interdisciplinary	NOUN
afbr-1009	235	19	/	/	SYM
afbr-1009	235	20	cross	cross	NOUN
afbr-1009	235	21	-	-	ADJ
afbr-1009	235	22	science	science	ADJ
afbr-1009	235	23	)	)	PUNCT
afbr-1009	235	24	approach	approach	NOUN
afbr-1009	235	25	and	and	CCONJ
afbr-1009	235	26	methods	method	NOUN
afbr-1009	235	27	that	that	PRON
afbr-1009	235	28	can	can	AUX
afbr-1009	235	29	strengthen	strengthen	VERB
afbr-1009	235	30	the	the	DET
afbr-1009	235	31	hypothesis	hypothesis	NOUN
afbr-1009	235	32	to	to	PART
afbr-1009	235	33	be	be	AUX
afbr-1009	235	34	tested	test	VERB
afbr-1009	235	35	.	.	PUNCT
afbr-1009	236	1	references	reference	NOUN
afbr-1009	236	2	ali	ali	PROPN
afbr-1009	236	3	,	,	PUNCT
afbr-1009	236	4	a.	a.	PROPN
afbr-1009	236	5	,	,	PUNCT
afbr-1009	236	6	rahman	rahman	PROPN
afbr-1009	236	7	,	,	PUNCT
afbr-1009	236	8	m.	m.	NOUN
afbr-1009	236	9	s.	s.	PROPN
afbr-1009	236	10	a.	a.	PROPN
afbr-1009	236	11	,	,	PUNCT
afbr-1009	236	12	&	&	CCONJ
afbr-1009	236	13	bakar	bakar	PROPN
afbr-1009	236	14	,	,	PUNCT
afbr-1009	236	15	a.	a.	NOUN
afbr-1009	236	16	(	(	PUNCT
afbr-1009	236	17	2013	2013	NUM
afbr-1009	236	18	)	)	PUNCT
afbr-1009	236	19	.	.	PUNCT
afbr-1009	237	1	financial	financial	ADJ
afbr-1009	237	2	literacy	literacy	NOUN
afbr-1009	237	3	and	and	CCONJ
afbr-1009	237	4	satisfaction	satisfaction	NOUN
afbr-1009	237	5	in	in	ADP
afbr-1009	237	6	malaysia	malaysia	PROPN
afbr-1009	237	7	:	:	PUNCT
afbr-1009	237	8	a	a	DET
afbr-1009	237	9	pilot	pilot	NOUN
afbr-1009	237	10	study	study	NOUN
afbr-1009	237	11	.	.	PUNCT
afbr-1009	238	1	international	international	ADJ
afbr-1009	238	2	journal	journal	PROPN
afbr-1009	238	3	of	of	ADP
afbr-1009	238	4	trade	trade	NOUN
afbr-1009	238	5	,	,	PUNCT
afbr-1009	238	6	economics	economic	NOUN
afbr-1009	238	7	and	and	CCONJ
afbr-1009	238	8	finance	finance	NOUN
afbr-1009	238	9	,	,	PUNCT
afbr-1009	238	10	4(5	4(5	PROPN
afbr-1009	238	11	)	)	PUNCT
afbr-1009	238	12	,	,	PUNCT
afbr-1009	238	13	319–324	319–324	NUM
afbr-1009	238	14	.	.	PUNCT
afbr-1009	239	1	https://doi.org/10.7763/ijtef.2013.v4.309	https://doi.org/10.7763/ijtef.2013.v4.309	PROPN
afbr-1009	239	2	ameliawati	ameliawati	PROPN
afbr-1009	239	3	,	,	PUNCT
afbr-1009	239	4	m.	m.	NOUN
afbr-1009	239	5	,	,	PUNCT
afbr-1009	239	6	&	&	CCONJ
afbr-1009	239	7	setiyani	setiyani	PROPN
afbr-1009	239	8	,	,	PUNCT
afbr-1009	239	9	r.	r.	PROPN
afbr-1009	239	10	(	(	PUNCT
afbr-1009	239	11	2018	2018	NUM
afbr-1009	239	12	)	)	PUNCT
afbr-1009	239	13	.	.	PUNCT
afbr-1009	240	1	the	the	DET
afbr-1009	240	2	influence	influence	NOUN
afbr-1009	240	3	of	of	ADP
afbr-1009	240	4	financial	financial	ADJ
afbr-1009	240	5	attitude	attitude	NOUN
afbr-1009	240	6	,	,	PUNCT
afbr-1009	240	7	financial	financial	ADJ
afbr-1009	240	8	socialization	socialization	NOUN
afbr-1009	240	9	,	,	PUNCT
afbr-1009	240	10	and	and	CCONJ
afbr-1009	240	11	financial	financial	ADJ
afbr-1009	240	12	experience	experience	NOUN
afbr-1009	240	13	to	to	ADP
afbr-1009	240	14	financial	financial	ADJ
afbr-1009	240	15	management	management	NOUN
afbr-1009	240	16	behavior	behavior	NOUN
afbr-1009	240	17	with	with	ADP
afbr-1009	240	18	financial	financial	ADJ
afbr-1009	240	19	literacy	literacy	NOUN
afbr-1009	240	20	as	as	ADP
afbr-1009	240	21	the	the	DET
afbr-1009	240	22	mediation	mediation	NOUN
afbr-1009	240	23	variable	variable	NOUN
afbr-1009	240	24	.	.	PUNCT
afbr-1009	241	1	international	international	ADJ
afbr-1009	241	2	conference	conference	NOUN
afbr-1009	241	3	on	on	ADP
afbr-1009	241	4	economics	economic	NOUN
afbr-1009	241	5	,	,	PUNCT
afbr-1009	241	6	business	business	NOUN
afbr-1009	241	7	and	and	CCONJ
afbr-1009	241	8	economic	economic	ADJ
afbr-1009	241	9	education	education	NOUN
afbr-1009	241	10	2018	2018	NUM
afbr-1009	241	11	,	,	PUNCT
afbr-1009	241	12	kne	kne	PROPN
afbr-1009	241	13	social	social	PROPN
afbr-1009	241	14	sciences	sciences	PROPN
afbr-1009	241	15	,	,	PUNCT
afbr-1009	241	16	811–832	811–832	NUM
afbr-1009	241	17	.	.	PUNCT
afbr-1009	242	1	https://doi.org/10.18502/kss.v3i10.3174	https://doi.org/10.18502/kss.v3i10.3174	PROPN
afbr-1009	242	2	arifin	arifin	PROPN
afbr-1009	242	3	,	,	PUNCT
afbr-1009	242	4	a.	a.	PROPN
afbr-1009	242	5	z.	z.	PROPN
afbr-1009	242	6	(	(	PUNCT
afbr-1009	242	7	2017	2017	NUM
afbr-1009	242	8	)	)	PUNCT
afbr-1009	242	9	.	.	PUNCT
afbr-1009	243	1	the	the	DET
afbr-1009	243	2	influence	influence	NOUN
afbr-1009	243	3	of	of	ADP
afbr-1009	243	4	financial	financial	ADJ
afbr-1009	243	5	knowledge	knowledge	NOUN
afbr-1009	243	6	,	,	PUNCT
afbr-1009	243	7	control	control	NOUN
afbr-1009	243	8	and	and	CCONJ
afbr-1009	243	9	income	income	NOUN
afbr-1009	243	10	on	on	ADP
afbr-1009	243	11	individual	individual	ADJ
afbr-1009	243	12	financial	financial	ADJ
afbr-1009	243	13	behavior	behavior	NOUN
afbr-1009	243	14	.	.	PUNCT
afbr-1009	244	1	european	european	PROPN
afbr-1009	244	2	research	research	PROPN
afbr-1009	244	3	studies	studies	PROPN
afbr-1009	244	4	journal	journal	NOUN
afbr-1009	244	5	,	,	PUNCT
afbr-1009	244	6	xx(3a	xx(3a	NUM
afbr-1009	244	7	)	)	PUNCT
afbr-1009	244	8	,	,	PUNCT
afbr-1009	244	9	635–648	635–648	NUM
afbr-1009	244	10	.	.	PUNCT
afbr-1009	245	1	arifin	arifin	PROPN
afbr-1009	245	2	,	,	PUNCT
afbr-1009	245	3	a.	a.	PROPN
afbr-1009	245	4	z.	z.	PROPN
afbr-1009	245	5	(	(	PUNCT
afbr-1009	245	6	2018	2018	NUM
afbr-1009	245	7	)	)	PUNCT
afbr-1009	245	8	.	.	PUNCT
afbr-1009	246	1	influence	influence	NOUN
afbr-1009	246	2	factors	factor	NOUN
afbr-1009	246	3	toward	toward	ADP
afbr-1009	246	4	financial	financial	ADJ
afbr-1009	246	5	satisfaction	satisfaction	NOUN
afbr-1009	246	6	with	with	ADP
afbr-1009	246	7	financial	financial	ADJ
afbr-1009	246	8	behavior	behavior	NOUN
afbr-1009	246	9	as	as	ADP
afbr-1009	246	10	intervening	intervene	VERB
afbr-1009	246	11	variable	variable	NOUN
afbr-1009	246	12	on	on	ADP
afbr-1009	246	13	jakarta	jakarta	PROPN
afbr-1009	246	14	area	area	PROPN
afbr-1009	246	15	workforce	workforce	PROPN
afbr-1009	246	16	.	.	PUNCT
afbr-1009	247	1	european	european	PROPN
afbr-1009	247	2	research	research	PROPN
afbr-1009	247	3	studies	studies	PROPN
afbr-1009	247	4	journal	journal	NOUN
afbr-1009	247	5	,	,	PUNCT
afbr-1009	247	6	xxi(1	xxi(1	PROPN
afbr-1009	247	7	)	)	PUNCT
afbr-1009	247	8	,	,	PUNCT
afbr-1009	247	9	90–103	90–103	X
afbr-1009	247	10	.	.	PUNCT
afbr-1009	247	11	faique	faique	NOUN
afbr-1009	247	12	,	,	PUNCT
afbr-1009	247	13	f.	f.	PROPN
afbr-1009	247	14	a.	a.	PROPN
afbr-1009	247	15	,	,	PUNCT
afbr-1009	247	16	ismail	ismail	PROPN
afbr-1009	247	17	,	,	PUNCT
afbr-1009	247	18	s.	s.	PROPN
afbr-1009	247	19	,	,	PUNCT
afbr-1009	247	20	bakri	bakri	PROPN
afbr-1009	247	21	,	,	PUNCT
afbr-1009	247	22	m.	m.	PROPN
afbr-1009	247	23	h.	h.	PROPN
afbr-1009	247	24	,	,	PUNCT
afbr-1009	247	25	idris	idris	PROPN
afbr-1009	247	26	,	,	PUNCT
afbr-1009	247	27	n.	n.	PROPN
afbr-1009	247	28	h.	h.	PROPN
afbr-1009	247	29	,	,	PUNCT
afbr-1009	247	30	yazid	yazid	PROPN
afbr-1009	247	31	,	,	PUNCT
afbr-1009	247	32	z.	z.	PROPN
afbr-1009	247	33	a.	a.	PROPN
afbr-1009	247	34	,	,	PUNCT
afbr-1009	247	35	daud	daud	PROPN
afbr-1009	247	36	,	,	PUNCT
afbr-1009	247	37	s.	s.	PROPN
afbr-1009	247	38	,	,	PUNCT
afbr-1009	247	39	&	&	CCONJ
afbr-1009	247	40	taib	taib	PROPN
afbr-1009	247	41	,	,	PUNCT
afbr-1009	247	42	n.	n.	PROPN
afbr-1009	247	43	m.	m.	NOUN
afbr-1009	247	44	(	(	PUNCT
afbr-1009	247	45	2017	2017	NUM
afbr-1009	247	46	)	)	PUNCT
afbr-1009	247	47	.	.	PUNCT
afbr-1009	248	1	testing	test	VERB
afbr-1009	248	2	the	the	DET
afbr-1009	248	3	financial	financial	ADJ
afbr-1009	248	4	attitude	attitude	NOUN
afbr-1009	248	5	as	as	ADP
afbr-1009	248	6	a	a	DET
afbr-1009	248	7	mediator	mediator	NOUN
afbr-1009	248	8	for	for	ADP
afbr-1009	248	9	the	the	DET
afbr-1009	248	10	relationship	relationship	NOUN
afbr-1009	248	11	between	between	ADP
afbr-1009	248	12	financial	financial	ADJ
afbr-1009	248	13	selfefficacy	selfefficacy	NOUN
afbr-1009	248	14	with	with	ADP
afbr-1009	248	15	financial	financial	ADJ
afbr-1009	248	16	behavior	behavior	NOUN
afbr-1009	248	17	.	.	PUNCT
afbr-1009	249	1	advanced	advanced	ADJ
afbr-1009	249	2	science	science	NOUN
afbr-1009	249	3	letters	letter	NOUN
afbr-1009	249	4	,	,	PUNCT
afbr-1009	249	5	23(8	23(8	NOUN
afbr-1009	249	6	)	)	PUNCT
afbr-1009	249	7	,	,	PUNCT
afbr-1009	249	8	8009–8012	8009–8012	NUM
afbr-1009	249	9	.	.	PUNCT
afbr-1009	250	1	https://doi.org/10.1166/asl.2017.9632	https://doi.org/10.1166/asl.2017.9632	PROPN
afbr-1009	250	2	falahati	falahati	PROPN
afbr-1009	250	3	,	,	PUNCT
afbr-1009	250	4	l.	l.	PROPN
afbr-1009	250	5	,	,	PUNCT
afbr-1009	250	6	sabri	sabri	PROPN
afbr-1009	250	7	,	,	PUNCT
afbr-1009	250	8	m.	m.	NOUN
afbr-1009	250	9	f.	f.	PROPN
afbr-1009	250	10	,	,	PUNCT
afbr-1009	250	11	&	&	CCONJ
afbr-1009	250	12	paim	paim	PROPN
afbr-1009	250	13	,	,	PUNCT
afbr-1009	250	14	l.	l.	PROPN
afbr-1009	250	15	h.	h.	PROPN
afbr-1009	250	16	j.	j.	PROPN
afbr-1009	250	17	(	(	PUNCT
afbr-1009	250	18	2012	2012	NUM
afbr-1009	250	19	)	)	PUNCT
afbr-1009	250	20	.	.	PUNCT
afbr-1009	251	1	assessment	assessment	NOUN
afbr-1009	251	2	a	a	DET
afbr-1009	251	3	model	model	NOUN
afbr-1009	251	4	of	of	ADP
afbr-1009	251	5	financial	financial	ADJ
afbr-1009	251	6	satisfaction	satisfaction	NOUN
afbr-1009	251	7	predictors	predictor	NOUN
afbr-1009	251	8	:	:	PUNCT
afbr-1009	251	9	examining	examine	VERB
afbr-1009	251	10	the	the	DET
afbr-1009	251	11	mediate	mediate	ADJ
afbr-1009	251	12	effect	effect	NOUN
afbr-1009	251	13	of	of	ADP
afbr-1009	251	14	financial	financial	ADJ
afbr-1009	251	15	behaviour	behaviour	NOUN
afbr-1009	251	16	and	and	CCONJ
afbr-1009	251	17	financial	financial	ADJ
afbr-1009	251	18	strain	strain	NOUN
afbr-1009	251	19	.	.	PUNCT
afbr-1009	252	1	world	world	NOUN
afbr-1009	252	2	applied	apply	VERB
afbr-1009	252	3	sciences	science	NOUN
afbr-1009	252	4	journal	journal	NOUN
afbr-1009	252	5	,	,	PUNCT
afbr-1009	252	6	20(2	20(2	NUM
afbr-1009	252	7	)	)	PUNCT
afbr-1009	252	8	,	,	PUNCT
afbr-1009	252	9	190–197	190–197	NUM
afbr-1009	252	10	.	.	PUNCT
afbr-1009	253	1	https://doi.org/10.5829/idosi.wasj.2012.20.02.1832	https://doi.org/10.5829/idosi.wasj.2012.20.02.1832	NOUN
afbr-1009	253	2	hafni	hafni	PROPN
afbr-1009	253	3	,	,	PUNCT
afbr-1009	253	4	l.	l.	PROPN
afbr-1009	253	5	,	,	PUNCT
afbr-1009	253	6	renaldo	renaldo	PROPN
afbr-1009	253	7	,	,	PUNCT
afbr-1009	253	8	n.	n.	PROPN
afbr-1009	253	9	,	,	PUNCT
afbr-1009	253	10	chandra	chandra	PROPN
afbr-1009	253	11	,	,	PUNCT
afbr-1009	253	12	t.	t.	PROPN
afbr-1009	253	13	,	,	PUNCT
afbr-1009	253	14	&	&	CCONJ
afbr-1009	253	15	thaief	thaief	NOUN
afbr-1009	253	16	,	,	PUNCT
afbr-1009	253	17	i.	i.	PROPN
afbr-1009	253	18	(	(	PUNCT
afbr-1009	253	19	2020	2020	NUM
afbr-1009	253	20	)	)	PUNCT
afbr-1009	253	21	.	.	PUNCT
afbr-1009	254	1	the	the	DET
afbr-1009	254	2	use	use	NOUN
afbr-1009	254	3	of	of	ADP
afbr-1009	254	4	regression	regression	NOUN
afbr-1009	254	5	models	model	NOUN
afbr-1009	254	6	with	with	ADP
afbr-1009	254	7	supply	supply	NOUN
afbr-1009	254	8	chain	chain	NOUN
afbr-1009	254	9	management	management	NOUN
afbr-1009	254	10	to	to	PART
afbr-1009	254	11	increase	increase	VERB
afbr-1009	254	12	financial	financial	ADJ
afbr-1009	254	13	satisfaction	satisfaction	NOUN
afbr-1009	254	14	of	of	ADP
afbr-1009	254	15	generation	generation	NOUN
afbr-1009	254	16	z.	z.	PROPN
afbr-1009	254	17	international	international	PROPN
afbr-1009	254	18	https://www.cribfb.com/journal/index.php/afbr	https://www.cribfb.com/journal/index.php/afbr	ADJ
afbr-1009	254	19	australian	australian	ADJ
afbr-1009	254	20	finance	finance	NOUN
afbr-1009	254	21	&	&	CCONJ
afbr-1009	254	22	banking	banking	PROPN
afbr-1009	254	23	review	review	PROPN
afbr-1009	254	24	vol	vol	NOUN
afbr-1009	254	25	.	.	PROPN
afbr-1009	254	26	5	5	NUM
afbr-1009	254	27	,	,	PUNCT
afbr-1009	254	28	no	no	INTJ
afbr-1009	254	29	.	.	NOUN
afbr-1009	254	30	1	1	NUM
afbr-1009	254	31	;	;	PUNCT
afbr-1009	254	32	2021	2021	NUM
afbr-1009	254	33	27	27	NUM
afbr-1009	254	34	journal	journal	NOUN
afbr-1009	254	35	of	of	ADP
afbr-1009	254	36	supply	supply	NOUN
afbr-1009	254	37	chain	chain	NOUN
afbr-1009	254	38	management	management	NOUN
afbr-1009	254	39	,	,	PUNCT
afbr-1009	254	40	9(5	9(5	NUM
afbr-1009	254	41	)	)	PUNCT
afbr-1009	254	42	,	,	PUNCT
afbr-1009	254	43	1641–1650	1641–1650	NUM
afbr-1009	254	44	.	.	PUNCT
afbr-1009	255	1	herawati	herawati	PROPN
afbr-1009	255	2	,	,	PUNCT
afbr-1009	255	3	n.	n.	PROPN
afbr-1009	255	4	t.	t.	PROPN
afbr-1009	255	5	,	,	PUNCT
afbr-1009	255	6	candiasa	candiasa	PROPN
afbr-1009	255	7	,	,	PUNCT
afbr-1009	255	8	i.	i.	PROPN
afbr-1009	255	9	m.	m.	PROPN
afbr-1009	255	10	,	,	PUNCT
afbr-1009	255	11	yadnyana	yadnyana	PROPN
afbr-1009	255	12	,	,	PUNCT
afbr-1009	255	13	i.	i.	PROPN
afbr-1009	255	14	k.	k.	PROPN
afbr-1009	255	15	,	,	PUNCT
afbr-1009	255	16	&	&	CCONJ
afbr-1009	255	17	suharsono	suharsono	PROPN
afbr-1009	255	18	,	,	PUNCT
afbr-1009	255	19	n.	n.	NOUN
afbr-1009	255	20	(	(	PUNCT
afbr-1009	255	21	2018	2018	NUM
afbr-1009	255	22	)	)	PUNCT
afbr-1009	255	23	.	.	PUNCT
afbr-1009	256	1	factors	factor	NOUN
afbr-1009	256	2	that	that	PRON
afbr-1009	256	3	influence	influence	VERB
afbr-1009	256	4	financial	financial	ADJ
afbr-1009	256	5	behavior	behavior	NOUN
afbr-1009	256	6	among	among	ADP
afbr-1009	256	7	accounting	accounting	NOUN
afbr-1009	256	8	students	student	NOUN
afbr-1009	256	9	in	in	ADP
afbr-1009	256	10	bali	bali	PROPN
afbr-1009	256	11	.	.	PUNCT
afbr-1009	257	1	international	international	PROPN
afbr-1009	257	2	journal	journal	PROPN
afbr-1009	257	3	of	of	ADP
afbr-1009	257	4	business	business	PROPN
afbr-1009	257	5	administration	administration	PROPN
afbr-1009	257	6	,	,	PUNCT
afbr-1009	257	7	9(3	9(3	NUM
afbr-1009	257	8	)	)	PUNCT
afbr-1009	257	9	,	,	PUNCT
afbr-1009	257	10	30–38	30–38	NUM
afbr-1009	257	11	.	.	PUNCT
afbr-1009	258	1	https://doi.org/10.5430/ijba.v9n3p30	https://doi.org/10.5430/ijba.v9n3p30	PROPN
afbr-1009	258	2	ismail	ismail	PROPN
afbr-1009	258	3	,	,	PUNCT
afbr-1009	258	4	s.	s.	PROPN
afbr-1009	258	5	,	,	PUNCT
afbr-1009	258	6	faique	faique	NOUN
afbr-1009	258	7	,	,	PUNCT
afbr-1009	258	8	f.	f.	PROPN
afbr-1009	258	9	a.	a.	PROPN
afbr-1009	258	10	,	,	PUNCT
afbr-1009	258	11	bakri	bakri	PROPN
afbr-1009	258	12	,	,	PUNCT
afbr-1009	258	13	m.	m.	PROPN
afbr-1009	258	14	h.	h.	PROPN
afbr-1009	258	15	,	,	PUNCT
afbr-1009	258	16	zain	zain	PROPN
afbr-1009	258	17	,	,	PUNCT
afbr-1009	258	18	z.	z.	PROPN
afbr-1009	258	19	m.	m.	PROPN
afbr-1009	258	20	,	,	PUNCT
afbr-1009	258	21	idris	idris	PROPN
afbr-1009	258	22	,	,	PUNCT
afbr-1009	258	23	n.	n.	PROPN
afbr-1009	258	24	h.	h.	PROPN
afbr-1009	258	25	,	,	PUNCT
afbr-1009	258	26	yazid	yazid	PROPN
afbr-1009	258	27	,	,	PUNCT
afbr-1009	258	28	z.	z.	PROPN
afbr-1009	258	29	a.	a.	PROPN
afbr-1009	258	30	,	,	PUNCT
afbr-1009	258	31	…	…	PUNCT
afbr-1009	258	32	taib	taib	PROPN
afbr-1009	258	33	,	,	PUNCT
afbr-1009	258	34	n.	n.	PROPN
afbr-1009	258	35	m.	m.	NOUN
afbr-1009	258	36	(	(	PUNCT
afbr-1009	258	37	2017	2017	NUM
afbr-1009	258	38	)	)	PUNCT
afbr-1009	258	39	.	.	PUNCT
afbr-1009	259	1	the	the	DET
afbr-1009	259	2	role	role	NOUN
afbr-1009	259	3	of	of	ADP
afbr-1009	259	4	financial	financial	ADJ
afbr-1009	259	5	self	self	NOUN
afbr-1009	259	6	-	-	PUNCT
afbr-1009	259	7	efficacy	efficacy	NOUN
afbr-1009	259	8	scale	scale	NOUN
afbr-1009	259	9	in	in	ADP
afbr-1009	259	10	predicting	predict	VERB
afbr-1009	259	11	financial	financial	ADJ
afbr-1009	259	12	behavior	behavior	NOUN
afbr-1009	259	13	.	.	PUNCT
afbr-1009	260	1	advanced	advanced	ADJ
afbr-1009	260	2	science	science	NOUN
afbr-1009	260	3	letters	letter	NOUN
afbr-1009	260	4	,	,	PUNCT
afbr-1009	260	5	23(5	23(5	NUM
afbr-1009	260	6	)	)	PUNCT
afbr-1009	260	7	,	,	PUNCT
afbr-1009	260	8	4635–4639	4635–4639	PROPN
afbr-1009	260	9	.	.	PUNCT
afbr-1009	261	1	https://doi.org/10.1166/asl.2017.8992	https://doi.org/10.1166/asl.2017.8992	PROPN
afbr-1009	261	2	joo	joo	PROPN
afbr-1009	261	3	,	,	PUNCT
afbr-1009	261	4	s.	s.	PROPN
afbr-1009	261	5	,	,	PUNCT
afbr-1009	261	6	&	&	CCONJ
afbr-1009	261	7	grable	grable	PROPN
afbr-1009	261	8	,	,	PUNCT
afbr-1009	261	9	j.	j.	PROPN
afbr-1009	261	10	e.	e.	PROPN
afbr-1009	261	11	(	(	PUNCT
afbr-1009	261	12	2004	2004	NUM
afbr-1009	261	13	)	)	PUNCT
afbr-1009	261	14	.	.	PUNCT
afbr-1009	262	1	an	an	DET
afbr-1009	262	2	exploratory	exploratory	ADJ
afbr-1009	262	3	framework	framework	NOUN
afbr-1009	262	4	of	of	ADP
afbr-1009	262	5	the	the	DET
afbr-1009	262	6	determinants	determinant	NOUN
afbr-1009	262	7	of	of	ADP
afbr-1009	262	8	financial	financial	ADJ
afbr-1009	262	9	satisfaction	satisfaction	NOUN
afbr-1009	262	10	.	.	PUNCT
afbr-1009	263	1	journal	journal	NOUN
afbr-1009	263	2	of	of	ADP
afbr-1009	263	3	family	family	NOUN
afbr-1009	263	4	and	and	CCONJ
afbr-1009	263	5	economis	economis	PROPN
afbr-1009	263	6	issues	issue	NOUN
afbr-1009	263	7	,	,	PUNCT
afbr-1009	263	8	25(1	25(1	NUM
afbr-1009	263	9	)	)	PUNCT
afbr-1009	263	10	,	,	PUNCT
afbr-1009	263	11	25–50	25–50	NUM
afbr-1009	263	12	.	.	PUNCT
afbr-1009	264	1	kumar	kumar	PROPN
afbr-1009	264	2	,	,	PUNCT
afbr-1009	264	3	s.	s.	PROPN
afbr-1009	264	4	,	,	PUNCT
afbr-1009	264	5	watung	watung	PROPN
afbr-1009	264	6	,	,	PUNCT
afbr-1009	264	7	c.	c.	PROPN
afbr-1009	264	8	,	,	PUNCT
afbr-1009	264	9	n	n	CCONJ
afbr-1009	264	10	,	,	PUNCT
afbr-1009	264	11	j.	j.	PROPN
afbr-1009	264	12	e.	e.	PROPN
afbr-1009	264	13	,	,	PUNCT
afbr-1009	264	14	&	&	CCONJ
afbr-1009	264	15	luinata	luinata	PROPN
afbr-1009	264	16	,	,	PUNCT
afbr-1009	264	17	l.	l.	PROPN
afbr-1009	264	18	(	(	PUNCT
afbr-1009	264	19	2017	2017	NUM
afbr-1009	264	20	)	)	PUNCT
afbr-1009	264	21	.	.	PUNCT
afbr-1009	265	1	the	the	DET
afbr-1009	265	2	influence	influence	NOUN
afbr-1009	265	3	of	of	ADP
afbr-1009	265	4	financial	financial	ADJ
afbr-1009	265	5	literacy	literacy	NOUN
afbr-1009	265	6	towards	towards	ADP
afbr-1009	265	7	financial	financial	ADJ
afbr-1009	265	8	behavior	behavior	NOUN
afbr-1009	265	9	and	and	CCONJ
afbr-1009	265	10	its	its	PRON
afbr-1009	265	11	implication	implication	NOUN
afbr-1009	265	12	on	on	ADP
afbr-1009	265	13	financial	financial	ADJ
afbr-1009	265	14	decisions	decision	NOUN
afbr-1009	265	15	:	:	PUNCT
afbr-1009	265	16	a	a	DET
afbr-1009	265	17	survey	survey	NOUN
afbr-1009	265	18	of	of	ADP
afbr-1009	265	19	president	president	PROPN
afbr-1009	265	20	university	university	NOUN
afbr-1009	265	21	students	student	NOUN
afbr-1009	265	22	in	in	ADP
afbr-1009	265	23	cikarang	cikarang	PROPN
afbr-1009	265	24	bekasi	bekasi	PROPN
afbr-1009	265	25	.	.	PUNCT
afbr-1009	266	1	firm	firm	PROPN
afbr-1009	266	2	journal	journal	PROPN
afbr-1009	266	3	of	of	ADP
afbr-1009	266	4	management	management	NOUN
afbr-1009	266	5	studies	study	NOUN
afbr-1009	266	6	,	,	PUNCT
afbr-1009	266	7	2(1	2(1	NUM
afbr-1009	266	8	)	)	PUNCT
afbr-1009	266	9	,	,	PUNCT
afbr-1009	266	10	169–179	169–179	NUM
afbr-1009	266	11	.	.	PUNCT
afbr-1009	266	12	retrieved	retrieve	VERB
afbr-1009	266	13	from	from	ADP
afbr-1009	266	14	http://e-journal.president.ac.id/presunivojs/index.php/firmjournal/article/view/158/87	http://e-journal.president.ac.id/presunivojs/index.php/firmjournal/article/view/158/87	PROPN
afbr-1009	266	15	lown	lown	PROPN
afbr-1009	266	16	,	,	PUNCT
afbr-1009	266	17	j.	j.	PROPN
afbr-1009	266	18	m.	m.	PROPN
afbr-1009	266	19	(	(	PUNCT
afbr-1009	266	20	2011	2011	NUM
afbr-1009	266	21	)	)	PUNCT
afbr-1009	266	22	.	.	PUNCT
afbr-1009	267	1	development	development	NOUN
afbr-1009	267	2	and	and	CCONJ
afbr-1009	267	3	validation	validation	NOUN
afbr-1009	267	4	of	of	ADP
afbr-1009	267	5	a	a	DET
afbr-1009	267	6	financial	financial	ADJ
afbr-1009	267	7	self	self	NOUN
afbr-1009	267	8	-	-	PUNCT
afbr-1009	267	9	efficacy	efficacy	NOUN
afbr-1009	267	10	scale	scale	NOUN
afbr-1009	267	11	.	.	PUNCT
afbr-1009	268	1	journal	journal	NOUN
afbr-1009	268	2	of	of	ADP
afbr-1009	268	3	financial	financial	ADJ
afbr-1009	268	4	counseling	counseling	NOUN
afbr-1009	268	5	and	and	CCONJ
afbr-1009	268	6	planning	planning	NOUN
afbr-1009	268	7	,	,	PUNCT
afbr-1009	268	8	22(2	22(2	NUM
afbr-1009	268	9	)	)	PUNCT
afbr-1009	268	10	,	,	PUNCT
afbr-1009	268	11	54–63	54–63	NUM
afbr-1009	268	12	.	.	PUNCT
afbr-1009	268	13	mien	mien	PROPN
afbr-1009	268	14	,	,	PUNCT
afbr-1009	268	15	n.	n.	NOUN
afbr-1009	268	16	t.	t.	PROPN
afbr-1009	268	17	n.	n.	PROPN
afbr-1009	268	18	,	,	PUNCT
afbr-1009	268	19	&	&	CCONJ
afbr-1009	268	20	thao	thao	PROPN
afbr-1009	268	21	,	,	PUNCT
afbr-1009	268	22	t.	t.	PROPN
afbr-1009	268	23	p.	p.	PROPN
afbr-1009	268	24	(	(	PUNCT
afbr-1009	268	25	2015	2015	NUM
afbr-1009	268	26	)	)	PUNCT
afbr-1009	268	27	.	.	PUNCT
afbr-1009	269	1	factors	factor	NOUN
afbr-1009	269	2	affecting	affect	VERB
afbr-1009	269	3	personal	personal	ADJ
afbr-1009	269	4	financial	financial	ADJ
afbr-1009	269	5	management	management	NOUN
afbr-1009	269	6	behaviors	behavior	NOUN
afbr-1009	269	7	:	:	PUNCT
afbr-1009	269	8	evidence	evidence	NOUN
afbr-1009	269	9	from	from	ADP
afbr-1009	269	10	vietnam	vietnam	PROPN
afbr-1009	269	11	.	.	PUNCT
afbr-1009	270	1	in	in	ADP
afbr-1009	270	2	proceedings	proceeding	NOUN
afbr-1009	270	3	of	of	ADP
afbr-1009	270	4	the	the	DET
afbr-1009	270	5	second	second	ADJ
afbr-1009	270	6	asia	asia	PROPN
afbr-1009	270	7	-	-	PUNCT
afbr-1009	270	8	pasific	pasific	NOUN
afbr-1009	270	9	conference	conference	NOUN
afbr-1009	270	10	on	on	ADP
afbr-1009	270	11	global	global	ADJ
afbr-1009	270	12	business	business	NOUN
afbr-1009	270	13	,	,	PUNCT
afbr-1009	270	14	economics	economic	NOUN
afbr-1009	270	15	,	,	PUNCT
afbr-1009	270	16	finance	finance	NOUN
afbr-1009	270	17	and	and	CCONJ
afbr-1009	270	18	social	social	ADJ
afbr-1009	270	19	sciences	science	NOUN
afbr-1009	270	20	(	(	PUNCT
afbr-1009	270	21	ap15vietnam	ap15vietnam	PROPN
afbr-1009	270	22	conference	conference	NOUN
afbr-1009	270	23	)	)	PUNCT
afbr-1009	270	24	(	(	PUNCT
afbr-1009	270	25	pp	pp	X
afbr-1009	270	26	.	.	PUNCT
afbr-1009	271	1	1–16	1–16	NOUN
afbr-1009	271	2	)	)	PUNCT
afbr-1009	271	3	.	.	PUNCT
afbr-1009	272	1	danang	danang	PROPN
afbr-1009	272	2	-	-	PUNCT
afbr-1009	272	3	vietnam	vietnam	PROPN
afbr-1009	272	4	.	.	PUNCT
afbr-1009	273	1	https://doi.org/10.1161/01.hyp.0000200705.61571.95	https://doi.org/10.1161/01.hyp.0000200705.61571.95	X
afbr-1009	273	2	potrich	potrich	PROPN
afbr-1009	273	3	,	,	PUNCT
afbr-1009	273	4	a.	a.	PROPN
afbr-1009	273	5	c.	c.	PROPN
afbr-1009	273	6	g.	g.	PROPN
afbr-1009	273	7	,	,	PUNCT
afbr-1009	273	8	vieira	vieira	PROPN
afbr-1009	273	9	,	,	PUNCT
afbr-1009	273	10	k.	k.	PROPN
afbr-1009	273	11	m.	m.	PROPN
afbr-1009	273	12	,	,	PUNCT
afbr-1009	273	13	&	&	CCONJ
afbr-1009	273	14	kirch	kirch	PROPN
afbr-1009	273	15	,	,	PUNCT
afbr-1009	273	16	g.	g.	PROPN
afbr-1009	273	17	(	(	PUNCT
afbr-1009	273	18	2015	2015	NUM
afbr-1009	273	19	)	)	PUNCT
afbr-1009	273	20	.	.	PUNCT
afbr-1009	274	1	determinants	determinant	NOUN
afbr-1009	274	2	of	of	ADP
afbr-1009	274	3	financial	financial	ADJ
afbr-1009	274	4	literacy	literacy	NOUN
afbr-1009	274	5	:	:	PUNCT
afbr-1009	274	6	analysis	analysis	NOUN
afbr-1009	274	7	of	of	ADP
afbr-1009	274	8	the	the	DET
afbr-1009	274	9	influence	influence	NOUN
afbr-1009	274	10	of	of	ADP
afbr-1009	274	11	socioeconomic	socioeconomic	ADJ
afbr-1009	274	12	and	and	CCONJ
afbr-1009	274	13	demographic	demographic	ADJ
afbr-1009	274	14	variables	variable	NOUN
afbr-1009	274	15	.	.	PUNCT
afbr-1009	275	1	revista	revista	PROPN
afbr-1009	275	2	contabilidade	contabilidade	PROPN
afbr-1009	275	3	&	&	CCONJ
afbr-1009	275	4	finanças	finanças	NOUN
afbr-1009	275	5	,	,	PUNCT
afbr-1009	275	6	26(69	26(69	PROPN
afbr-1009	275	7	)	)	PUNCT
afbr-1009	275	8	,	,	PUNCT
afbr-1009	276	1	362–377	362–377	NUM
afbr-1009	276	2	.	.	PUNCT
afbr-1009	276	3	https://doi.org/10.1590/1808-057x201501040	https://doi.org/10.1590/1808-057x201501040	PROPN
afbr-1009	276	4	potrich	potrich	NOUN
afbr-1009	276	5	,	,	PUNCT
afbr-1009	276	6	a.	a.	PROPN
afbr-1009	276	7	c.	c.	PROPN
afbr-1009	276	8	g.	g.	PROPN
afbr-1009	276	9	,	,	PUNCT
afbr-1009	276	10	vieira	vieira	PROPN
afbr-1009	276	11	,	,	PUNCT
afbr-1009	276	12	k.	k.	PROPN
afbr-1009	276	13	m.	m.	PROPN
afbr-1009	276	14	,	,	PUNCT
afbr-1009	276	15	&	&	CCONJ
afbr-1009	276	16	mendes	mende	NOUN
afbr-1009	276	17	-	-	PUNCT
afbr-1009	276	18	da	da	NOUN
afbr-1009	276	19	-	-	PUNCT
afbr-1009	276	20	silva	silva	NOUN
afbr-1009	276	21	,	,	PUNCT
afbr-1009	276	22	w.	w.	PROPN
afbr-1009	276	23	(	(	PUNCT
afbr-1009	276	24	2016	2016	NUM
afbr-1009	276	25	)	)	PUNCT
afbr-1009	276	26	.	.	PUNCT
afbr-1009	277	1	development	development	NOUN
afbr-1009	277	2	of	of	ADP
afbr-1009	277	3	a	a	DET
afbr-1009	277	4	financial	financial	ADJ
afbr-1009	277	5	literacy	literacy	NOUN
afbr-1009	277	6	model	model	NOUN
afbr-1009	277	7	for	for	ADP
afbr-1009	277	8	university	university	NOUN
afbr-1009	277	9	students	student	NOUN
afbr-1009	277	10	.	.	PUNCT
afbr-1009	278	1	management	management	NOUN
afbr-1009	278	2	research	research	PROPN
afbr-1009	278	3	review	review	PROPN
afbr-1009	278	4	,	,	PUNCT
afbr-1009	278	5	39(3	39(3	NUM
afbr-1009	278	6	)	)	PUNCT
afbr-1009	278	7	,	,	PUNCT
afbr-1009	278	8	356–376	356–376	NUM
afbr-1009	278	9	.	.	PUNCT
afbr-1009	279	1	https://doi.org/10.1108/mmr-06-2014-0143	https://doi.org/10.1108/mmr-06-2014-0143	PROPN
afbr-1009	279	2	renaldo	renaldo	PROPN
afbr-1009	279	3	,	,	PUNCT
afbr-1009	279	4	n.	n.	NOUN
afbr-1009	279	5	,	,	PUNCT
afbr-1009	279	6	sudarno	sudarno	ADJ
afbr-1009	279	7	,	,	PUNCT
afbr-1009	279	8	&	&	CCONJ
afbr-1009	279	9	hutahuruk	hutahuruk	PROPN
afbr-1009	279	10	,	,	PUNCT
afbr-1009	279	11	m.	m.	PROPN
afbr-1009	279	12	b.	b.	PROPN
afbr-1009	279	13	(	(	PUNCT
afbr-1009	279	14	2020	2020	NUM
afbr-1009	279	15	)	)	PUNCT
afbr-1009	279	16	.	.	PUNCT
afbr-1009	280	1	the	the	DET
afbr-1009	280	2	improvement	improvement	NOUN
afbr-1009	280	3	of	of	ADP
afbr-1009	280	4	generation	generation	NOUN
afbr-1009	280	5	z	z	X
afbr-1009	280	6	financial	financial	ADJ
afbr-1009	280	7	well	well	ADV
afbr-1009	280	8	-	-	PUNCT
afbr-1009	280	9	being	being	NOUN
afbr-1009	280	10	in	in	ADP
afbr-1009	280	11	pekanbaru	pekanbaru	NOUN
afbr-1009	280	12	.	.	PUNCT
afbr-1009	281	1	jurnal	jurnal	ADJ
afbr-1009	281	2	manajemen	manajeman	NOUN
afbr-1009	281	3	dan	dan	PROPN
afbr-1009	281	4	kewirausahaan	kewirausahaan	PROPN
afbr-1009	281	5	,	,	PUNCT
afbr-1009	281	6	22(2	22(2	NUM
afbr-1009	281	7	)	)	PUNCT
afbr-1009	281	8	,	,	PUNCT
afbr-1009	281	9	142–151	142–151	NUM
afbr-1009	281	10	.	.	PUNCT
afbr-1009	282	1	https://doi.org/10.9744/jmk.22.2.142-151	https://doi.org/10.9744/jmk.22.2.142-151	PROPN
afbr-1009	282	2	sabri	sabri	NOUN
afbr-1009	282	3	,	,	PUNCT
afbr-1009	282	4	m.	m.	PROPN
afbr-1009	282	5	f.	f.	PROPN
afbr-1009	282	6	,	,	PUNCT
afbr-1009	282	7	paim	paim	PROPN
afbr-1009	282	8	,	,	PUNCT
afbr-1009	282	9	l.	l.	PROPN
afbr-1009	282	10	,	,	PUNCT
afbr-1009	282	11	falahati	falahati	PROPN
afbr-1009	282	12	,	,	PUNCT
afbr-1009	282	13	l.	l.	PROPN
afbr-1009	282	14	,	,	PUNCT
afbr-1009	282	15	&	&	CCONJ
afbr-1009	282	16	masud	masud	PROPN
afbr-1009	282	17	,	,	PUNCT
afbr-1009	282	18	j.	j.	PROPN
afbr-1009	282	19	(	(	PUNCT
afbr-1009	282	20	2013	2013	NUM
afbr-1009	282	21	)	)	PUNCT
afbr-1009	282	22	.	.	PUNCT
afbr-1009	283	1	determinants	determinant	NOUN
afbr-1009	283	2	of	of	ADP
afbr-1009	283	3	employees	employee	NOUN
afbr-1009	283	4	’	’	PART
afbr-1009	283	5	financial	financial	ADJ
afbr-1009	283	6	well	well	ADV
afbr-1009	283	7	-	-	PUNCT
afbr-1009	283	8	being	being	NOUN
afbr-1009	283	9	:	:	PUNCT
afbr-1009	283	10	the	the	DET
afbr-1009	283	11	moderation	moderation	NOUN
afbr-1009	283	12	effect	effect	NOUN
afbr-1009	283	13	of	of	ADP
afbr-1009	283	14	work	work	NOUN
afbr-1009	283	15	sectors	sector	NOUN
afbr-1009	283	16	.	.	PUNCT
afbr-1009	284	1	malaysian	malaysian	ADJ
afbr-1009	284	2	journal	journal	PROPN
afbr-1009	284	3	of	of	ADP
afbr-1009	284	4	consumer	consumer	NOUN
afbr-1009	284	5	and	and	CCONJ
afbr-1009	284	6	family	family	NOUN
afbr-1009	284	7	economics	economic	NOUN
afbr-1009	284	8	,	,	PUNCT
afbr-1009	284	9	16(july	16(july	ADV
afbr-1009	284	10	2017	2017	NUM
afbr-1009	284	11	)	)	PUNCT
afbr-1009	284	12	,	,	PUNCT
afbr-1009	284	13	91–106	91–106	PROPN
afbr-1009	284	14	.	.	PUNCT
afbr-1009	285	1	sabri	sabri	PROPN
afbr-1009	285	2	,	,	PUNCT
afbr-1009	285	3	m.	m.	PROPN
afbr-1009	285	4	f.	f.	PROPN
afbr-1009	285	5	,	,	PUNCT
afbr-1009	285	6	&	&	CCONJ
afbr-1009	285	7	zakaria	zakaria	PROPN
afbr-1009	285	8	,	,	PUNCT
afbr-1009	285	9	n.	n.	PROPN
afbr-1009	285	10	f.	f.	PROPN
afbr-1009	285	11	(	(	PUNCT
afbr-1009	285	12	2015	2015	NUM
afbr-1009	285	13	)	)	PUNCT
afbr-1009	285	14	.	.	PUNCT
afbr-1009	286	1	the	the	DET
afbr-1009	286	2	influence	influence	NOUN
afbr-1009	286	3	of	of	ADP
afbr-1009	286	4	financial	financial	ADJ
afbr-1009	286	5	literacy	literacy	NOUN
afbr-1009	286	6	,	,	PUNCT
afbr-1009	286	7	money	money	NOUN
afbr-1009	286	8	attitude	attitude	NOUN
afbr-1009	286	9	,	,	PUNCT
afbr-1009	286	10	financial	financial	ADJ
afbr-1009	286	11	strain	strain	NOUN
afbr-1009	286	12	and	and	CCONJ
afbr-1009	286	13	financial	financial	ADJ
afbr-1009	286	14	capability	capability	NOUN
afbr-1009	286	15	on	on	ADP
afbr-1009	286	16	young	young	ADJ
afbr-1009	286	17	employees	employee	NOUN
afbr-1009	286	18	’	’	PART
afbr-1009	286	19	financial	financial	ADJ
afbr-1009	286	20	well	well	ADV
afbr-1009	286	21	-	-	PUNCT
afbr-1009	286	22	being	being	NOUN
afbr-1009	286	23	.	.	PUNCT
afbr-1009	287	1	pertanika	pertanika	PROPN
afbr-1009	287	2	journal	journal	PROPN
afbr-1009	287	3	of	of	ADP
afbr-1009	287	4	social	social	ADJ
afbr-1009	287	5	sciences	science	NOUN
afbr-1009	287	6	and	and	CCONJ
afbr-1009	287	7	humanities	humanity	NOUN
afbr-1009	287	8	,	,	PUNCT
afbr-1009	287	9	23(4	23(4	NOUN
afbr-1009	287	10	)	)	PUNCT
afbr-1009	287	11	,	,	PUNCT
afbr-1009	287	12	827–848	827–848	NUM
afbr-1009	287	13	.	.	PUNCT
afbr-1009	288	1	https://www.cribfb.com/journal/index.php/afbr	https://www.cribfb.com/journal/index.php/afbr	ADJ
afbr-1009	288	2	australian	australian	ADJ
afbr-1009	288	3	finance	finance	NOUN
afbr-1009	288	4	&	&	CCONJ
afbr-1009	288	5	banking	banking	PROPN
afbr-1009	288	6	review	review	PROPN
afbr-1009	288	7	vol	vol	NOUN
afbr-1009	288	8	.	.	PROPN
afbr-1009	288	9	5	5	NUM
afbr-1009	288	10	,	,	PUNCT
afbr-1009	288	11	no	no	INTJ
afbr-1009	288	12	.	.	NOUN
afbr-1009	288	13	1	1	NUM
afbr-1009	288	14	;	;	PUNCT
afbr-1009	288	15	2021	2021	NUM
afbr-1009	288	16	28	28	NUM
afbr-1009	288	17	schwarzer	schwarzer	NOUN
afbr-1009	288	18	,	,	PUNCT
afbr-1009	288	19	r.	r.	PROPN
afbr-1009	288	20	,	,	PUNCT
afbr-1009	288	21	&	&	CCONJ
afbr-1009	288	22	jerusalem	jerusalem	PROPN
afbr-1009	288	23	,	,	PUNCT
afbr-1009	288	24	m.	m.	NOUN
afbr-1009	288	25	(	(	PUNCT
afbr-1009	288	26	1995	1995	NUM
afbr-1009	288	27	)	)	PUNCT
afbr-1009	288	28	.	.	PUNCT
afbr-1009	289	1	general	general	ADJ
afbr-1009	289	2	self	self	NOUN
afbr-1009	289	3	-	-	PUNCT
afbr-1009	289	4	efficacy	efficacy	NOUN
afbr-1009	289	5	scale	scale	NOUN
afbr-1009	289	6	.	.	PUNCT
afbr-1009	290	1	causal	causal	PROPN
afbr-1009	290	2	and	and	CCONJ
afbr-1009	290	3	control	control	PROPN
afbr-1009	290	4	beliefs	belief	NOUN
afbr-1009	290	5	,	,	PUNCT
afbr-1009	290	6	35–37	35–37	PROPN
afbr-1009	290	7	.	.	PUNCT
afbr-1009	291	1	sekaran	sekaran	NOUN
afbr-1009	291	2	,	,	PUNCT
afbr-1009	291	3	u.	u.	PROPN
afbr-1009	291	4	,	,	PUNCT
afbr-1009	291	5	&	&	CCONJ
afbr-1009	291	6	bougie	bougie	PROPN
afbr-1009	291	7	,	,	PUNCT
afbr-1009	291	8	r.	r.	PROPN
afbr-1009	291	9	(	(	PUNCT
afbr-1009	291	10	2016	2016	NUM
afbr-1009	291	11	)	)	PUNCT
afbr-1009	291	12	.	.	PUNCT
afbr-1009	292	1	research	research	NOUN
afbr-1009	292	2	method	method	NOUN
afbr-1009	292	3	for	for	ADP
afbr-1009	292	4	business	business	NOUN
afbr-1009	292	5	a	a	DET
afbr-1009	292	6	skill	skill	NOUN
afbr-1009	292	7	-	-	PUNCT
afbr-1009	292	8	building	building	NOUN
afbr-1009	292	9	approach	approach	NOUN
afbr-1009	292	10	seventh	seventh	PROPN
afbr-1009	292	11	edition	edition	PROPN
afbr-1009	292	12	(	(	PUNCT
afbr-1009	292	13	seventh	seventh	ADJ
afbr-1009	292	14	ed	ed	NOUN
afbr-1009	292	15	)	)	PUNCT
afbr-1009	292	16	.	.	PUNCT
afbr-1009	293	1	chichester	chichester	PROPN
afbr-1009	293	2	:	:	PUNCT
afbr-1009	293	3	john	john	PROPN
afbr-1009	293	4	wiley	wiley	PROPN
afbr-1009	293	5	&	&	CCONJ
afbr-1009	293	6	sons	son	NOUN
afbr-1009	293	7	.	.	PUNCT
afbr-1009	294	1	https://doi.org/10.1007/97894-007-0753-5_102084	https://doi.org/10.1007/97894-007-0753-5_102084	NOUN
afbr-1009	294	2	serido	serido	NOUN
afbr-1009	294	3	,	,	PUNCT
afbr-1009	294	4	j.	j.	PROPN
afbr-1009	294	5	,	,	PUNCT
afbr-1009	294	6	shim	shim	NOUN
afbr-1009	294	7	,	,	PUNCT
afbr-1009	294	8	s.	s.	PROPN
afbr-1009	294	9	,	,	PUNCT
afbr-1009	294	10	&	&	CCONJ
afbr-1009	294	11	tang	tang	PROPN
afbr-1009	294	12	,	,	PUNCT
afbr-1009	294	13	c.	c.	PROPN
afbr-1009	294	14	(	(	PUNCT
afbr-1009	294	15	2013	2013	NUM
afbr-1009	294	16	)	)	PUNCT
afbr-1009	294	17	.	.	PUNCT
afbr-1009	295	1	a	a	DET
afbr-1009	295	2	developmental	developmental	ADJ
afbr-1009	295	3	model	model	NOUN
afbr-1009	295	4	of	of	ADP
afbr-1009	295	5	financial	financial	ADJ
afbr-1009	295	6	capability	capability	NOUN
afbr-1009	295	7	:	:	PUNCT
afbr-1009	295	8	a	a	DET
afbr-1009	295	9	framework	framework	NOUN
afbr-1009	295	10	for	for	ADP
afbr-1009	295	11	promoting	promote	VERB
afbr-1009	295	12	a	a	DET
afbr-1009	295	13	successful	successful	ADJ
afbr-1009	295	14	transition	transition	NOUN
afbr-1009	295	15	to	to	ADP
afbr-1009	295	16	adulthood	adulthood	NOUN
afbr-1009	295	17	.	.	PUNCT
afbr-1009	296	1	international	international	ADJ
afbr-1009	296	2	journal	journal	NOUN
afbr-1009	296	3	of	of	ADP
afbr-1009	296	4	behavioral	behavioral	ADJ
afbr-1009	296	5	development	development	NOUN
afbr-1009	296	6	,	,	PUNCT
afbr-1009	296	7	00(0	00(0	PROPN
afbr-1009	296	8	)	)	PUNCT
afbr-1009	296	9	,	,	PUNCT
afbr-1009	296	10	1–11	1–11	PROPN
afbr-1009	296	11	.	.	PUNCT
afbr-1009	297	1	https://doi.org/10.1177/0165025413479476	https://doi.org/10.1177/0165025413479476	PROPN
afbr-1009	297	2	streiner	streiner	NOUN
afbr-1009	297	3	,	,	PUNCT
afbr-1009	297	4	d.	d.	PROPN
afbr-1009	297	5	l.	l.	PROPN
afbr-1009	297	6	(	(	PUNCT
afbr-1009	297	7	2005	2005	NUM
afbr-1009	297	8	)	)	PUNCT
afbr-1009	297	9	.	.	PUNCT
afbr-1009	298	1	finding	find	VERB
afbr-1009	298	2	our	our	PRON
afbr-1009	298	3	way	way	NOUN
afbr-1009	298	4	:	:	PUNCT
afbr-1009	298	5	an	an	DET
afbr-1009	298	6	introduction	introduction	NOUN
afbr-1009	298	7	to	to	ADP
afbr-1009	298	8	path	path	NOUN
afbr-1009	298	9	analysis	analysis	NOUN
afbr-1009	298	10	.	.	PUNCT
afbr-1009	299	1	canadian	canadian	ADJ
afbr-1009	299	2	journal	journal	PROPN
afbr-1009	299	3	of	of	ADP
afbr-1009	299	4	psychiatry	psychiatry	NOUN
afbr-1009	299	5	,	,	PUNCT
afbr-1009	299	6	50(2	50(2	NUM
afbr-1009	299	7	)	)	PUNCT
afbr-1009	299	8	,	,	PUNCT
afbr-1009	299	9	115–122	115–122	NUM
afbr-1009	299	10	.	.	PUNCT
afbr-1009	300	1	https://doi.org/10.1177/070674370505000207	https://doi.org/10.1177/070674370505000207	PROPN
afbr-1009	300	2	susan	susan	PROPN
afbr-1009	300	3	,	,	PUNCT
afbr-1009	300	4	m.	m.	NOUN
afbr-1009	300	5	(	(	PUNCT
afbr-1009	300	6	2018	2018	NUM
afbr-1009	300	7	)	)	PUNCT
afbr-1009	300	8	.	.	PUNCT
afbr-1009	301	1	financial	financial	ADJ
afbr-1009	301	2	behavior	behavior	NOUN
afbr-1009	301	3	and	and	CCONJ
afbr-1009	301	4	problems	problem	NOUN
afbr-1009	301	5	among	among	ADP
afbr-1009	301	6	college	college	NOUN
afbr-1009	301	7	student	student	NOUN
afbr-1009	301	8	in	in	ADP
afbr-1009	301	9	indonesia	indonesia	PROPN
afbr-1009	301	10	:	:	PUNCT
afbr-1009	301	11	the	the	DET
afbr-1009	301	12	role	role	NOUN
afbr-1009	301	13	of	of	ADP
afbr-1009	301	14	financial	financial	ADJ
afbr-1009	301	15	knowledge	knowledge	NOUN
afbr-1009	301	16	.	.	PUNCT
afbr-1009	302	1	international	international	ADJ
afbr-1009	302	2	journal	journal	PROPN
afbr-1009	302	3	of	of	ADP
afbr-1009	302	4	engineering	engineering	PROPN
afbr-1009	302	5	&	&	CCONJ
afbr-1009	302	6	technology	technology	PROPN
afbr-1009	302	7	,	,	PUNCT
afbr-1009	302	8	7(3.25	7(3.25	NUM
afbr-1009	302	9	)	)	PUNCT
afbr-1009	302	10	,	,	PUNCT
afbr-1009	302	11	133–137	133–137	NUM
afbr-1009	302	12	.	.	PUNCT
afbr-1009	302	13	retrieved	retrieve	VERB
afbr-1009	302	14	from	from	ADP
afbr-1009	302	15	www.sciencepubco.com/index.php/ijet	www.sciencepubco.com/index.php/ijet	PROPN
afbr-1009	302	16	taherdoost	taherdoost	NOUN
afbr-1009	302	17	,	,	PUNCT
afbr-1009	302	18	h.	h.	PROPN
afbr-1009	302	19	(	(	PUNCT
afbr-1009	302	20	2016	2016	NUM
afbr-1009	302	21	)	)	PUNCT
afbr-1009	302	22	.	.	PUNCT
afbr-1009	303	1	validity	validity	NOUN
afbr-1009	303	2	and	and	CCONJ
afbr-1009	303	3	reliability	reliability	NOUN
afbr-1009	303	4	of	of	ADP
afbr-1009	303	5	the	the	DET
afbr-1009	303	6	research	research	NOUN
afbr-1009	303	7	instrument	instrument	NOUN
afbr-1009	303	8	:	:	PUNCT
afbr-1009	303	9	how	how	SCONJ
afbr-1009	303	10	to	to	PART
afbr-1009	303	11	test	test	VERB
afbr-1009	303	12	the	the	DET
afbr-1009	303	13	validation	validation	NOUN
afbr-1009	303	14	of	of	ADP
afbr-1009	303	15	a	a	DET
afbr-1009	303	16	questionnaire	questionnaire	NOUN
afbr-1009	303	17	/	/	SYM
afbr-1009	303	18	survey	survey	NOUN
afbr-1009	303	19	in	in	ADP
afbr-1009	303	20	a	a	DET
afbr-1009	303	21	research	research	NOUN
afbr-1009	303	22	.	.	PUNCT
afbr-1009	304	1	international	international	ADJ
afbr-1009	304	2	journal	journal	PROPN
afbr-1009	304	3	of	of	ADP
afbr-1009	304	4	academic	academic	ADJ
afbr-1009	304	5	research	research	NOUN
afbr-1009	304	6	in	in	ADP
afbr-1009	304	7	management	management	NOUN
afbr-1009	304	8	(	(	PUNCT
afbr-1009	304	9	ijarm	ijarm	PROPN
afbr-1009	304	10	)	)	PUNCT
afbr-1009	304	11	,	,	PUNCT
afbr-1009	304	12	5(3	5(3	NUM
afbr-1009	304	13	)	)	PUNCT
afbr-1009	304	14	,	,	PUNCT
afbr-1009	304	15	28–36	28–36	NUM
afbr-1009	304	16	.	.	PUNCT
afbr-1009	305	1	https://doi.org/10.2139/ssrn.3205040	https://doi.org/10.2139/ssrn.3205040	PROPN
afbr-1009	305	2	weston	weston	PROPN
afbr-1009	305	3	,	,	PUNCT
afbr-1009	305	4	r.	r.	PROPN
afbr-1009	305	5	,	,	PUNCT
afbr-1009	305	6	&	&	CCONJ
afbr-1009	305	7	gore	gore	PROPN
afbr-1009	305	8	,	,	PUNCT
afbr-1009	306	1	p.	p.	NOUN
afbr-1009	306	2	a.	a.	NOUN
afbr-1009	306	3	j.	j.	PROPN
afbr-1009	306	4	(	(	PUNCT
afbr-1009	306	5	2006	2006	NUM
afbr-1009	306	6	)	)	PUNCT
afbr-1009	306	7	.	.	PUNCT
afbr-1009	307	1	a	a	DET
afbr-1009	307	2	brief	brief	ADJ
afbr-1009	307	3	guide	guide	NOUN
afbr-1009	307	4	to	to	ADP
afbr-1009	307	5	structural	structural	ADJ
afbr-1009	307	6	equation	equation	NOUN
afbr-1009	307	7	modeling	modeling	NOUN
afbr-1009	307	8	.	.	PUNCT
afbr-1009	308	1	the	the	DET
afbr-1009	308	2	counseling	counseling	NOUN
afbr-1009	308	3	psychologist	psychologist	NOUN
afbr-1009	308	4	,	,	PUNCT
afbr-1009	308	5	34(5	34(5	PROPN
afbr-1009	308	6	)	)	PUNCT
afbr-1009	308	7	,	,	PUNCT
afbr-1009	308	8	719–751	719–751	NUM
afbr-1009	308	9	.	.	PUNCT
afbr-1009	309	1	https://doi.org/10.1177/0011000006286345	https://doi.org/10.1177/0011000006286345	PROPN
afbr-1009	309	2	yap	yap	PROPN
afbr-1009	309	3	,	,	PUNCT
afbr-1009	309	4	r.	r.	PROPN
afbr-1009	309	5	j.	j.	PROPN
afbr-1009	309	6	c.	c.	PROPN
afbr-1009	309	7	,	,	PUNCT
afbr-1009	309	8	komalasari	komalasari	PROPN
afbr-1009	309	9	,	,	PUNCT
afbr-1009	309	10	f.	f.	PROPN
afbr-1009	309	11	,	,	PUNCT
afbr-1009	309	12	&	&	CCONJ
afbr-1009	309	13	hadiansah	hadiansah	PROPN
afbr-1009	309	14	,	,	PUNCT
afbr-1009	309	15	i.	i.	PROPN
afbr-1009	309	16	(	(	PUNCT
afbr-1009	309	17	2016	2016	NUM
afbr-1009	309	18	)	)	PUNCT
afbr-1009	309	19	.	.	PUNCT
afbr-1009	310	1	the	the	DET
afbr-1009	310	2	effect	effect	NOUN
afbr-1009	310	3	of	of	ADP
afbr-1009	310	4	financial	financial	ADJ
afbr-1009	310	5	literacy	literacy	NOUN
afbr-1009	310	6	and	and	CCONJ
afbr-1009	310	7	attitude	attitude	NOUN
afbr-1009	310	8	on	on	ADP
afbr-1009	310	9	financial	financial	ADJ
afbr-1009	310	10	management	management	NOUN
afbr-1009	310	11	behavior	behavior	NOUN
afbr-1009	310	12	and	and	CCONJ
afbr-1009	310	13	satisfaction	satisfaction	NOUN
afbr-1009	310	14	.	.	PUNCT
afbr-1009	311	1	international	international	ADJ
afbr-1009	311	2	journal	journal	PROPN
afbr-1009	311	3	of	of	ADP
afbr-1009	311	4	administration	administration	PROPN
afbr-1009	311	5	science	science	PROPN
afbr-1009	311	6	&	&	CCONJ
afbr-1009	311	7	organization	organization	PROPN
afbr-1009	311	8	,	,	PUNCT
afbr-1009	311	9	23(3	23(3	NUM
afbr-1009	311	10	)	)	PUNCT
afbr-1009	311	11	,	,	PUNCT
afbr-1009	311	12	140–146	140–146	NUM
afbr-1009	311	13	.	.	PUNCT
afbr-1009	312	1	https://doi.org/10.20476/jbb.v23i3.9175	https://doi.org/10.20476/jbb.v23i3.9175	PROPN
afbr-1009	312	2	yong	yong	PROPN
afbr-1009	312	3	,	,	PUNCT
afbr-1009	312	4	c.-c	c.-c	PROPN
afbr-1009	312	5	.	.	PROPN
afbr-1009	312	6	,	,	PUNCT
afbr-1009	312	7	yew	yew	NOUN
afbr-1009	312	8	,	,	PUNCT
afbr-1009	312	9	s.-y	s.-y	NOUN
afbr-1009	312	10	.	.	PUNCT
afbr-1009	312	11	,	,	PUNCT
afbr-1009	312	12	&	&	CCONJ
afbr-1009	312	13	wee	wee	ADJ
afbr-1009	312	14	,	,	PUNCT
afbr-1009	312	15	c.-k	c.-k	PROPN
afbr-1009	312	16	.	.	PUNCT
afbr-1009	313	1	(	(	PUNCT
afbr-1009	313	2	2018	2018	NUM
afbr-1009	313	3	)	)	PUNCT
afbr-1009	313	4	.	.	PUNCT
afbr-1009	314	1	financial	financial	ADJ
afbr-1009	314	2	knowledge	knowledge	NOUN
afbr-1009	314	3	attitude	attitude	NOUN
afbr-1009	314	4	and	and	CCONJ
afbr-1009	314	5	behavior	behavior	NOUN
afbr-1009	314	6	of	of	ADP
afbr-1009	314	7	young	young	ADJ
afbr-1009	314	8	working	work	VERB
afbr-1009	314	9	adults	adult	NOUN
afbr-1009	314	10	in	in	ADP
afbr-1009	314	11	malaysia	malaysia	PROPN
afbr-1009	314	12	.	.	PUNCT
afbr-1009	315	1	institutions	institution	NOUN
afbr-1009	315	2	and	and	CCONJ
afbr-1009	315	3	economies	economy	NOUN
afbr-1009	315	4	,	,	PUNCT
afbr-1009	315	5	10(4	10(4	NUM
afbr-1009	315	6	)	)	PUNCT
afbr-1009	315	7	,	,	PUNCT
afbr-1009	315	8	21–48	21–48	NUM
afbr-1009	315	9	.	.	PUNCT
afbr-1009	315	10	retrieved	retrieve	VERB
afbr-1009	315	11	from	from	ADP
afbr-1009	315	12	http://ijie.um.edu.my/index.php/ijie/article/view/13444	http://ijie.um.edu.my/index.php/ijie/article/view/13444	ADJ
afbr-1009	315	13	copyrights	copyright	NOUN
afbr-1009	315	14	copyright	copyright	NOUN
afbr-1009	315	15	for	for	ADP
afbr-1009	315	16	this	this	DET
afbr-1009	315	17	article	article	NOUN
afbr-1009	315	18	is	be	AUX
afbr-1009	315	19	retained	retain	VERB
afbr-1009	315	20	by	by	ADP
afbr-1009	315	21	the	the	DET
afbr-1009	315	22	author(s	author(s	PROPN
afbr-1009	315	23	)	)	PUNCT
afbr-1009	315	24	,	,	PUNCT
afbr-1009	315	25	with	with	ADP
afbr-1009	315	26	first	first	ADJ
afbr-1009	315	27	publication	publication	NOUN
afbr-1009	315	28	rights	right	NOUN
afbr-1009	315	29	granted	grant	VERB
afbr-1009	315	30	to	to	ADP
afbr-1009	315	31	the	the	DET
afbr-1009	315	32	journal	journal	NOUN
afbr-1009	315	33	.	.	PUNCT
afbr-1009	316	1	this	this	PRON
afbr-1009	316	2	is	be	AUX
afbr-1009	316	3	an	an	DET
afbr-1009	316	4	open	open	ADJ
afbr-1009	316	5	-	-	PUNCT
afbr-1009	316	6	access	access	NOUN
afbr-1009	316	7	article	article	NOUN
afbr-1009	316	8	distributed	distribute	VERB
afbr-1009	316	9	under	under	ADP
afbr-1009	316	10	the	the	DET
afbr-1009	316	11	terms	term	NOUN
afbr-1009	316	12	and	and	CCONJ
afbr-1009	316	13	conditions	condition	NOUN
afbr-1009	316	14	of	of	ADP
afbr-1009	316	15	the	the	DET
afbr-1009	316	16	creative	creative	ADJ
afbr-1009	316	17	commons	common	NOUN
afbr-1009	316	18	attribution	attribution	NOUN
afbr-1009	316	19	license	license	NOUN
afbr-1009	316	20	(	(	PUNCT
afbr-1009	316	21	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
afbr-1009	316	22	)	)	PUNCT