id	sid	tid	token	lemma	pos
cjfa-3243	1	1	copernican	copernican	PROPN
cjfa-3243	1	2	journal	journal	PROPN
cjfa-3243	1	3	of	of	ADP
cjfa-3243	1	4	finance	finance	PROPN
cjfa-3243	1	5	&	&	CCONJ
cjfa-3243	1	6	accounting	accounting	PROPN
cjfa-3243	1	7	e	e	PROPN
cjfa-3243	1	8	-	-	PROPN
cjfa-3243	1	9	issn	issn	PROPN
cjfa-3243	1	10	2300	2300	NUM
cjfa-3243	1	11	-	-	SYM
cjfa-3243	1	12	3065	3065	NUM
cjfa-3243	1	13	p	p	PROPN
cjfa-3243	1	14	-	-	PUNCT
cjfa-3243	1	15	issn	issn	PROPN
cjfa-3243	1	16	2300	2300	NUM
cjfa-3243	1	17	-	-	SYM
cjfa-3243	1	18	1240doi	1240doi	NUM
cjfa-3243	1	19	:	:	PUNCT
cjfa-3243	1	20	10.12775	10.12775	NUM
cjfa-3243	1	21	/	/	SYM
cjfa-3243	1	22	cjfa.2013.0232013	cjfa.2013.0232013	NOUN
cjfa-3243	1	23	,	,	PUNCT
cjfa-3243	1	24	volume	volume	NOUN
cjfa-3243	1	25	2	2	NUM
cjfa-3243	1	26	,	,	PUNCT
cjfa-3243	1	27	issue	issue	NOUN
cjfa-3243	1	28	2	2	NUM
cjfa-3243	1	29	data	datum	NOUN
cjfa-3243	1	30	wpłynięcia	wpłynięcia	NOUN
cjfa-3243	1	31	:	:	PUNCT
cjfa-3243	1	32	30.10.2013	30.10.2013	NUM
cjfa-3243	1	33	;	;	PUNCT
cjfa-3243	1	34	data	datum	NOUN
cjfa-3243	1	35	zaakceptowania	zaakceptowania	PROPN
cjfa-3243	1	36	:	:	PUNCT
cjfa-3243	1	37	31.12.2013	31.12.2013	NUM
cjfa-3243	1	38	.	.	PUNCT
cjfa-3243	1	39	*	*	PUNCT
cjfa-3243	1	40	 	 	SPACE
cjfa-3243	1	41	dane	dane	NOUN
cjfa-3243	1	42	kontaktowe	kontaktowe	PROPN
cjfa-3243	1	43	:	:	PUNCT
cjfa-3243	1	44	malgorzata.solarz@ue.wroc.pl	malgorzata.solarz@ue.wroc.pl	PROPN
cjfa-3243	1	45	,	,	PUNCT
cjfa-3243	1	46	katedra	katedra	PROPN
cjfa-3243	1	47	finansów	finansów	PROPN
cjfa-3243	1	48	i	i	PRON
cjfa-3243	1	49	rachunkowości	rachunkowości	VERB
cjfa-3243	1	50	,	,	PUNCT
cjfa-3243	1	51	wydział	wydział	PROPN
cjfa-3243	1	52	ekonomii	ekonomii	PROPN
cjfa-3243	1	53	,	,	PUNCT
cjfa-3243	1	54	zarządzania	zarządzania	PROPN
cjfa-3243	2	1	i	i	PRON
cjfa-3243	2	2	turystyki	turystyki	PROPN
cjfa-3243	2	3	,	,	PUNCT
cjfa-3243	2	4	uniwersytet	uniwersytet	X
cjfa-3243	2	5	ekonomiczny	ekonomiczny	NOUN
cjfa-3243	2	6	we	we	PRON
cjfa-3243	2	7	wrocławiu	wrocławiu	VERB
cjfa-3243	2	8	,	,	PUNCT
cjfa-3243	2	9	ul	ul	INTJ
cjfa-3243	2	10	.	.	PUNCT
cjfa-3243	2	11	nowowiejska	nowowiejska	PROPN
cjfa-3243	2	12	3	3	NUM
cjfa-3243	2	13	,	,	PUNCT
cjfa-3243	2	14	58	58	NUM
cjfa-3243	2	15	-	-	SYM
cjfa-3243	2	16	500	500	NUM
cjfa-3243	2	17	jelenia	jelenia	NOUN
cjfa-3243	2	18	góra	góra	PROPN
cjfa-3243	2	19	,	,	PUNCT
cjfa-3243	2	20	tel	tel	PROPN
cjfa-3243	2	21	.	.	PROPN
cjfa-3243	3	1	757	757	NUM
cjfa-3243	3	2	538	538	NUM
cjfa-3243	3	3	261	261	NUM
cjfa-3243	3	4	.	.	PUNCT
cjfa-3243	4	1	małgorzata	małgorzata	PROPN
cjfa-3243	4	2	solarz	solarz	PROPN
cjfa-3243	4	3	*	*	PROPN
cjfa-3243	4	4	wroclaw	wroclaw	PROPN
cjfa-3243	4	5	university	university	PROPN
cjfa-3243	4	6	of	of	ADP
cjfa-3243	4	7	economics	economic	NOUN
cjfa-3243	4	8	,	,	PUNCT
cjfa-3243	4	9	faculty	faculty	NOUN
cjfa-3243	4	10	of	of	ADP
cjfa-3243	4	11	economics	economic	NOUN
cjfa-3243	4	12	,	,	PUNCT
cjfa-3243	4	13	management	management	NOUN
cjfa-3243	4	14	and	and	CCONJ
cjfa-3243	4	15	tourism	tourism	NOUN
cjfa-3243	4	16	,	,	PUNCT
cjfa-3243	4	17	department	department	NOUN
cjfa-3243	4	18	of	of	ADP
cjfa-3243	4	19	finance	finance	NOUN
cjfa-3243	4	20	and	and	CCONJ
cjfa-3243	4	21	accounting	accounting	NOUN
cjfa-3243	4	22	,	,	PUNCT
cjfa-3243	4	23	poland	poland	VERB
cjfa-3243	4	24	the	the	DET
cjfa-3243	4	25	importance	importance	NOUN
cjfa-3243	4	26	of	of	ADP
cjfa-3243	4	27	shadow	shadow	NOUN
cjfa-3243	4	28	banking	banking	NOUN
cjfa-3243	4	29	sector	sector	NOUN
cjfa-3243	4	30	entities	entity	NOUN
cjfa-3243	4	31	for	for	ADP
cjfa-3243	4	32	population	population	NOUN
cjfa-3243	4	33	affected	affect	VERB
cjfa-3243	4	34	by	by	ADP
cjfa-3243	4	35	credit	credit	NOUN
cjfa-3243	4	36	exclusion	exclusion	NOUN
cjfa-3243	4	37	key	key	ADJ
cjfa-3243	4	38	words	word	NOUN
cjfa-3243	4	39	:	:	PUNCT
cjfa-3243	4	40	shadow	shadow	NOUN
cjfa-3243	4	41	banking	banking	NOUN
cjfa-3243	4	42	,	,	PUNCT
cjfa-3243	4	43	financial	financial	ADJ
cjfa-3243	4	44	exclusion	exclusion	NOUN
cjfa-3243	4	45	,	,	PUNCT
cjfa-3243	4	46	social	social	ADJ
cjfa-3243	4	47	lending	lending	NOUN
cjfa-3243	4	48	.	.	PUNCT
cjfa-3243	5	1	j	j	PROPN
cjfa-3243	5	2	e	e	PROPN
cjfa-3243	5	3	l	l	PROPN
cjfa-3243	5	4	classification	classification	NOUN
cjfa-3243	5	5	:	:	PUNCT
cjfa-3243	5	6	d30	d30	NOUN
cjfa-3243	5	7	,	,	PUNCT
cjfa-3243	5	8	g23	g23	NOUN
cjfa-3243	5	9	,	,	PUNCT
cjfa-3243	5	10	l14	l14	PROPN
cjfa-3243	5	11	,	,	PUNCT
cjfa-3243	5	12	o17	o17	NOUN
cjfa-3243	5	13	.	.	PUNCT
cjfa-3243	6	1	abstract	abstract	ADJ
cjfa-3243	6	2	:	:	PUNCT
cjfa-3243	6	3	the	the	DET
cjfa-3243	6	4	entities	entity	NOUN
cjfa-3243	6	5	included	include	VERB
cjfa-3243	6	6	in	in	ADP
cjfa-3243	6	7	shadow	shadow	NOUN
cjfa-3243	6	8	banking	banking	NOUN
cjfa-3243	6	9	sector	sector	NOUN
cjfa-3243	6	10	,	,	PUNCT
cjfa-3243	6	11	referred	refer	VERB
cjfa-3243	6	12	to	to	ADP
cjfa-3243	6	13	as	as	ADP
cjfa-3243	6	14	alternative	alternative	ADJ
cjfa-3243	6	15	financial	financial	ADJ
cjfa-3243	6	16	services	service	NOUN
cjfa-3243	6	17	providers	provider	NOUN
cjfa-3243	6	18	,	,	PUNCT
cjfa-3243	6	19	render	render	VERB
cjfa-3243	6	20	services	service	NOUN
cjfa-3243	6	21	similar	similar	ADJ
cjfa-3243	6	22	to	to	ADP
cjfa-3243	6	23	banking	banking	NOUN
cjfa-3243	6	24	ones	one	NOUN
cjfa-3243	6	25	.	.	PUNCT
cjfa-3243	7	1	they	they	PRON
cjfa-3243	7	2	are	be	AUX
cjfa-3243	7	3	neither	neither	ADV
cjfa-3243	7	4	covered	cover	VERB
cjfa-3243	7	5	by	by	ADP
cjfa-3243	7	6	banking	banking	NOUN
cjfa-3243	7	7	law	law	NOUN
cjfa-3243	7	8	regulations	regulation	NOUN
cjfa-3243	7	9	nor	nor	CCONJ
cjfa-3243	7	10	subject	subject	ADJ
cjfa-3243	7	11	to	to	ADP
cjfa-3243	7	12	state	state	NOUN
cjfa-3243	7	13	supervision	supervision	NOUN
cjfa-3243	7	14	,	,	PUNCT
cjfa-3243	7	15	but	but	CCONJ
cjfa-3243	7	16	create	create	VERB
cjfa-3243	7	17	a	a	DET
cjfa-3243	7	18	parallel	parallel	ADJ
cjfa-3243	7	19	banking	banking	NOUN
cjfa-3243	7	20	system	system	NOUN
cjfa-3243	7	21	.	.	PUNCT
cjfa-3243	8	1	the	the	DET
cjfa-3243	8	2	institutions	institution	NOUN
cjfa-3243	8	3	attract	attract	VERB
cjfa-3243	8	4	clients	client	NOUN
cjfa-3243	8	5	originating	originate	VERB
cjfa-3243	8	6	mainly	mainly	ADV
cjfa-3243	8	7	from	from	ADP
cjfa-3243	8	8	the	the	DET
cjfa-3243	8	9	group	group	NOUN
cjfa-3243	8	10	of	of	ADP
cjfa-3243	8	11	financially	financially	ADV
cjfa-3243	8	12	excluded	exclude	VERB
cjfa-3243	8	13	individuals	individual	NOUN
cjfa-3243	8	14	,	,	PUNCT
cjfa-3243	8	15	rejected	reject	VERB
cjfa-3243	8	16	by	by	ADP
cjfa-3243	8	17	banks	bank	NOUN
cjfa-3243	8	18	as	as	ADP
cjfa-3243	8	19	the	the	DET
cjfa-3243	8	20	result	result	NOUN
cjfa-3243	8	21	of	of	ADP
cjfa-3243	8	22	their	their	PRON
cjfa-3243	8	23	insufficient	insufficient	ADJ
cjfa-3243	8	24	creditworthiness	creditworthiness	NOUN
cjfa-3243	8	25	,	,	PUNCT
cjfa-3243	8	26	or	or	CCONJ
cjfa-3243	8	27	negative	negative	ADJ
cjfa-3243	8	28	history	history	NOUN
cjfa-3243	8	29	of	of	ADP
cjfa-3243	8	30	previously	previously	ADV
cjfa-3243	8	31	contracted	contract	VERB
cjfa-3243	8	32	debts	debt	NOUN
cjfa-3243	8	33	.	.	PUNCT
cjfa-3243	9	1	the	the	DET
cjfa-3243	9	2	objective	objective	NOUN
cjfa-3243	9	3	of	of	ADP
cjfa-3243	9	4	hereby	hereby	ADJ
cjfa-3243	9	5	paper	paper	NOUN
cjfa-3243	9	6	is	be	AUX
cjfa-3243	9	7	to	to	PART
cjfa-3243	9	8	identify	identify	VERB
cjfa-3243	9	9	advantages	advantage	NOUN
cjfa-3243	9	10	and	and	CCONJ
cjfa-3243	9	11	threats	threat	NOUN
cjfa-3243	9	12	resulting	result	VERB
cjfa-3243	9	13	from	from	ADP
cjfa-3243	9	14	activities	activity	NOUN
cjfa-3243	9	15	performed	perform	VERB
cjfa-3243	9	16	by	by	ADP
cjfa-3243	9	17	entities	entity	NOUN
cjfa-3243	9	18	functioning	function	VERB
cjfa-3243	9	19	in	in	ADP
cjfa-3243	9	20	the	the	DET
cjfa-3243	9	21	shadow	shadow	NOUN
cjfa-3243	9	22	banking	banking	NOUN
cjfa-3243	9	23	sector	sector	NOUN
cjfa-3243	9	24	with	with	ADP
cjfa-3243	9	25	reference	reference	NOUN
cjfa-3243	9	26	to	to	ADP
cjfa-3243	9	27	people	people	NOUN
cjfa-3243	9	28	suffering	suffer	VERB
cjfa-3243	9	29	credit	credit	NOUN
cjfa-3243	9	30	exclusion	exclusion	NOUN
cjfa-3243	9	31	.	.	PUNCT
cjfa-3243	10	1	among	among	ADP
cjfa-3243	10	2	advantages	advantage	NOUN
cjfa-3243	10	3	the	the	DET
cjfa-3243	10	4	following	follow	VERB
cjfa-3243	10	5	have	have	VERB
cjfa-3243	10	6	to	to	PART
cjfa-3243	10	7	be	be	AUX
cjfa-3243	10	8	listed	list	VERB
cjfa-3243	10	9	:	:	PUNCT
cjfa-3243	10	10	the	the	DET
cjfa-3243	10	11	provision	provision	NOUN
cjfa-3243	10	12	of	of	ADP
cjfa-3243	10	13	financing	financing	NOUN
cjfa-3243	10	14	sources	source	NOUN
cjfa-3243	10	15	for	for	ADP
cjfa-3243	10	16	consumer	consumer	NOUN
cjfa-3243	10	17	expenditure	expenditure	NOUN
cjfa-3243	10	18	which	which	PRON
cjfa-3243	10	19	facilitates	facilitate	VERB
cjfa-3243	10	20	household	household	NOUN
cjfa-3243	10	21	finances	finance	NOUN
cjfa-3243	10	22	management	management	NOUN
cjfa-3243	10	23	;	;	PUNCT
cjfa-3243	10	24	entrepreneurship	entrepreneurship	NOUN
cjfa-3243	10	25	promotion	promotion	NOUN
cjfa-3243	10	26	among	among	ADP
cjfa-3243	10	27	the	the	DET
cjfa-3243	10	28	unemployed	unemployed	ADJ
cjfa-3243	10	29	or	or	CCONJ
cjfa-3243	10	30	the	the	DET
cjfa-3243	10	31	deprived	deprive	VERB
cjfa-3243	10	32	of	of	ADP
cjfa-3243	10	33	an	an	DET
cjfa-3243	10	34	opportunity	opportunity	NOUN
cjfa-3243	10	35	to	to	PART
cjfa-3243	10	36	start	start	VERB
cjfa-3243	10	37	their	their	PRON
cjfa-3243	10	38	own	own	ADJ
cjfa-3243	10	39	business	business	NOUN
cjfa-3243	10	40	.	.	PUNCT
cjfa-3243	11	1	among	among	ADP
cjfa-3243	11	2	threats	threat	NOUN
cjfa-3243	11	3	the	the	DET
cjfa-3243	11	4	following	follow	VERB
cjfa-3243	11	5	should	should	AUX
cjfa-3243	11	6	be	be	AUX
cjfa-3243	11	7	emphasized	emphasize	VERB
cjfa-3243	11	8	:	:	PUNCT
cjfa-3243	11	9	the	the	DET
cjfa-3243	11	10	danger	danger	NOUN
cjfa-3243	11	11	of	of	ADP
cjfa-3243	11	12	getting	get	VERB
cjfa-3243	11	13	into	into	ADP
cjfa-3243	11	14	the	the	DET
cjfa-3243	11	15	spiral	spiral	NOUN
cjfa-3243	11	16	of	of	ADP
cjfa-3243	11	17	debt	debt	NOUN
cjfa-3243	11	18	;	;	PUNCT
cjfa-3243	11	19	inability	inability	NOUN
cjfa-3243	11	20	to	to	PART
cjfa-3243	11	21	take	take	VERB
cjfa-3243	11	22	advantage	advantage	NOUN
cjfa-3243	11	23	of	of	ADP
cjfa-3243	11	24	consumer	consumer	NOUN
cjfa-3243	11	25	bankruptcy	bankruptcy	NOUN
cjfa-3243	11	26	procedure	procedure	NOUN
cjfa-3243	11	27	;	;	PUNCT
cjfa-3243	11	28	the	the	DET
cjfa-3243	11	29	threat	threat	NOUN
cjfa-3243	11	30	of	of	ADP
cjfa-3243	11	31	advancing	advance	VERB
cjfa-3243	11	32	poverty	poverty	NOUN
cjfa-3243	11	33	in	in	ADP
cjfa-3243	11	34	such	such	ADJ
cjfa-3243	11	35	households	household	NOUN
cjfa-3243	11	36	which	which	PRON
cjfa-3243	11	37	do	do	AUX
cjfa-3243	11	38	not	not	PART
cjfa-3243	11	39	manage	manage	VERB
cjfa-3243	11	40	to	to	PART
cjfa-3243	11	41	have	have	VERB
cjfa-3243	11	42	proper	proper	ADJ
cjfa-3243	11	43	control	control	NOUN
cjfa-3243	11	44	of	of	ADP
cjfa-3243	11	45	personal	personal	ADJ
cjfa-3243	11	46	finance	finance	NOUN
cjfa-3243	11	47	owing	owe	VERB
cjfa-3243	11	48	to	to	ADP
cjfa-3243	11	49	poor	poor	ADJ
cjfa-3243	11	50	knowledge	knowledge	NOUN
cjfa-3243	11	51	and	and	CCONJ
cjfa-3243	11	52	the	the	DET
cjfa-3243	11	53	absence	absence	NOUN
cjfa-3243	11	54	of	of	ADP
cjfa-3243	11	55	financial	financial	ADJ
cjfa-3243	11	56	skills	skill	NOUN
cjfa-3243	11	57	.	.	PUNCT
cjfa-3243	12	1	małgorzata	małgorzata	NOUN
cjfa-3243	12	2	solarz190	solarz190	PROPN
cjfa-3243	12	3	znaczenie	znaczenie	PROPN
cjfa-3243	12	4	podmiotów	podmiotów	PROPN
cjfa-3243	12	5	sektora	sektora	PROPN
cjfa-3243	12	6	shadow	shadow	PROPN
cjfa-3243	12	7	banking	banking	PROPN
cjfa-3243	12	8	dla	dla	PROPN
cjfa-3243	12	9	osób	osób	PROPN
cjfa-3243	12	10	wykluczonych	wykluczonych	PROPN
cjfa-3243	12	11	kredytowo	kredytowo	PROPN
cjfa-3243	12	12	słowa	słowa	PROPN
cjfa-3243	12	13	kluczowe	kluczowe	PROPN
cjfa-3243	12	14	:	:	PUNCT
cjfa-3243	12	15	shadow	shadow	PROPN
cjfa-3243	12	16	banking	banking	PROPN
cjfa-3243	12	17	,	,	PUNCT
cjfa-3243	12	18	wykluczenie	wykluczenie	PROPN
cjfa-3243	12	19	finansowe	finansowe	PROPN
cjfa-3243	12	20	,	,	PUNCT
cjfa-3243	12	21	social	social	ADJ
cjfa-3243	12	22	lending	lending	NOUN
cjfa-3243	12	23	.	.	PUNCT
cjfa-3243	13	1	klasyfikacja	klasyfikacja	PROPN
cjfa-3243	13	2	j	j	PROPN
cjfa-3243	13	3	e	e	PROPN
cjfa-3243	13	4	l	l	PROPN
cjfa-3243	13	5	:	:	PUNCT
cjfa-3243	13	6	d30	d30	NOUN
cjfa-3243	13	7	,	,	PUNCT
cjfa-3243	13	8	g23	g23	NOUN
cjfa-3243	13	9	,	,	PUNCT
cjfa-3243	13	10	l14	l14	PROPN
cjfa-3243	13	11	,	,	PUNCT
cjfa-3243	13	12	o17	o17	NOUN
cjfa-3243	13	13	.	.	PUNCT
cjfa-3243	14	1	abstrakt	abstrakt	PROPN
cjfa-3243	14	2	:	:	PUNCT
cjfa-3243	14	3	podmioty	podmioty	PROPN
cjfa-3243	14	4	sektora	sektora	PROPN
cjfa-3243	14	5	shadow	shadow	PROPN
cjfa-3243	14	6	banking	banking	PROPN
cjfa-3243	14	7	,	,	PUNCT
cjfa-3243	14	8	nazywane	nazywane	NOUN
cjfa-3243	14	9	alternatywnymi	alternatywnymi	VERB
cjfa-3243	14	10	pośrednikami	pośrednikami	NOUN
cjfa-3243	14	11	finansowymi	finansowymi	NOUN
cjfa-3243	14	12	,	,	PUNCT
cjfa-3243	14	13	świadczą	świadczą	ADV
cjfa-3243	14	14	usługi	usługi	NOUN
cjfa-3243	14	15	podobne	podobne	PRON
cjfa-3243	14	16	do	do	VERB
cjfa-3243	14	17	bankowych	bankowych	NOUN
cjfa-3243	14	18	.	.	PUNCT
cjfa-3243	15	1	nie	nie	PROPN
cjfa-3243	15	2	obowiązują	obowiązują	PROPN
cjfa-3243	15	3	ich	ich	PROPN
cjfa-3243	15	4	przepisy	przepisy	PROPN
cjfa-3243	15	5	prawa	prawa	PROPN
cjfa-3243	15	6	bankowego	bankowego	PROPN
cjfa-3243	15	7	,	,	PUNCT
cjfa-3243	15	8	nie	nie	PROPN
cjfa-3243	15	9	podlegają	podlegają	PROPN
cjfa-3243	15	10	pod	pod	PROPN
cjfa-3243	15	11	państwowy	państwowy	ADJ
cjfa-3243	15	12	nadzór	nadzór	NOUN
cjfa-3243	15	13	finansowy	finansowy	PROPN
cjfa-3243	15	14	,	,	PUNCT
cjfa-3243	15	15	tworzą	tworzą	NOUN
cjfa-3243	15	16	równoległy	równoległy	NOUN
cjfa-3243	15	17	system	system	NOUN
cjfa-3243	15	18	bankowy	bankowy	ADJ
cjfa-3243	15	19	.	.	PUNCT
cjfa-3243	16	1	klientami	klientami	PROPN
cjfa-3243	16	2	tych	tych	VERB
cjfa-3243	16	3	instytucji	instytucji	ADJ
cjfa-3243	16	4	są	są	PROPN
cjfa-3243	16	5	z	z	NOUN
cjfa-3243	16	6	reguły	reguły	PROPN
cjfa-3243	16	7	osoby	osoby	PROPN
cjfa-3243	16	8	wykluczone	wykluczone	NOUN
cjfa-3243	16	9	,	,	PUNCT
cjfa-3243	16	10	odrzucone	odrzucone	NOUN
cjfa-3243	16	11	przez	przez	NOUN
cjfa-3243	16	12	banki	banki	PROPN
cjfa-3243	16	13	z	z	PROPN
cjfa-3243	16	14	uwagi	uwagi	PROPN
cjfa-3243	16	15	na	na	AUX
cjfa-3243	16	16	niewystarczającą	niewystarczającą	ADJ
cjfa-3243	16	17	zdolność	zdolność	NOUN
cjfa-3243	16	18	kredytową	kredytową	PROPN
cjfa-3243	16	19	bądź	bądź	PROPN
cjfa-3243	16	20	negatywną	negatywną	PROPN
cjfa-3243	16	21	historię	historię	PROPN
cjfa-3243	16	22	spłat	spłat	PROPN
cjfa-3243	16	23	wcześniej	wcześniej	PROPN
cjfa-3243	16	24	zaciągniętych	zaciągniętych	PROPN
cjfa-3243	16	25	długów	długów	PROPN
cjfa-3243	16	26	.	.	PUNCT
cjfa-3243	17	1	celem	celem	PROPN
cjfa-3243	17	2	niniejszego	niniejszego	PROPN
cjfa-3243	17	3	artykułu	artykułu	PROPN
cjfa-3243	17	4	jest	jest	PROPN
cjfa-3243	17	5	zidentyfikowanie	zidentyfikowanie	PROPN
cjfa-3243	17	6	korzyści	korzyści	PROPN
cjfa-3243	18	1	i	i	PROPN
cjfa-3243	18	2	zagrożeń	zagrożeń	PROPN
cjfa-3243	18	3	związanych	związanych	PROPN
cjfa-3243	18	4	z	z	PROPN
cjfa-3243	18	5	działalnością	działalnością	PROPN
cjfa-3243	18	6	podmiotów	podmiotów	PROPN
cjfa-3243	18	7	sektora	sektora	PROPN
cjfa-3243	18	8	shadow	shadow	PROPN
cjfa-3243	18	9	banking	banking	PROPN
cjfa-3243	18	10	w	w	PROPN
cjfa-3243	18	11	aspekcie	aspekcie	PROPN
cjfa-3243	18	12	osób	osób	PROPN
cjfa-3243	18	13	dotkniętych	dotkniętych	PROPN
cjfa-3243	18	14	wykluczeniem	wykluczeniem	PROPN
cjfa-3243	18	15	kredytowym	kredytowym	PROPN
cjfa-3243	18	16	.	.	PUNCT
cjfa-3243	19	1	po	po	PROPN
cjfa-3243	19	2	stronie	stronie	PROPN
cjfa-3243	19	3	korzyści	korzyści	PROPN
cjfa-3243	19	4	należy	należy	PROPN
cjfa-3243	19	5	wymienić	wymienić	PROPN
cjfa-3243	19	6	:	:	PUNCT
cjfa-3243	19	7	dostarczanie	dostarczanie	PROPN
cjfa-3243	19	8	źródeł	źródeł	PROPN
cjfa-3243	19	9	finansowania	finansowania	PROPN
cjfa-3243	19	10	wydatków	wydatków	PROPN
cjfa-3243	19	11	konsumpcyjnych	konsumpcyjnych	PROPN
cjfa-3243	19	12	,	,	PUNCT
cjfa-3243	19	13	co	co	NOUN
cjfa-3243	19	14	ułatwia	ułatwia	PROPN
cjfa-3243	19	15	zarządzanie	zarządzanie	PROPN
cjfa-3243	19	16	finansami	finansami	PROPN
cjfa-3243	19	17	gospodarstwa	gospodarstwa	PROPN
cjfa-3243	19	18	domowego	domowego	PROPN
cjfa-3243	19	19	;	;	PUNCT
cjfa-3243	19	20	promowanie	promowanie	NOUN
cjfa-3243	19	21	przedsiębiorczości	przedsiębiorczości	PROPN
cjfa-3243	19	22	wśród	wśród	PROPN
cjfa-3243	19	23	bezrobotnych	bezrobotnych	PROPN
cjfa-3243	19	24	,	,	PUNCT
cjfa-3243	19	25	pozbawionych	pozbawionych	NOUN
cjfa-3243	19	26	możliwości	możliwości	NOUN
cjfa-3243	19	27	rozpoczęcia	rozpoczęcia	PROPN
cjfa-3243	19	28	własnej	własnej	VERB
cjfa-3243	19	29	działalności	działalności	PROPN
cjfa-3243	19	30	gospodarczej	gospodarczej	PROPN
cjfa-3243	19	31	.	.	PUNCT
cjfa-3243	20	1	natomiast	natomiast	PROPN
cjfa-3243	20	2	po	po	PROPN
cjfa-3243	20	3	stronie	stronie	PROPN
cjfa-3243	20	4	zagrożeń	zagrożeń	PROPN
cjfa-3243	20	5	znajdują	znajdują	PROPN
cjfa-3243	20	6	się	się	PROPN
cjfa-3243	20	7	:	:	PUNCT
cjfa-3243	20	8	niebezpieczeństwo	niebezpieczeństwo	ADJ
cjfa-3243	20	9	wpadnięcia	wpadnięcia	PROPN
cjfa-3243	20	10	w	w	PROPN
cjfa-3243	20	11	spiralę	spiralę	PROPN
cjfa-3243	20	12	zadłużenia	zadłużenia	PROPN
cjfa-3243	20	13	;	;	PUNCT
cjfa-3243	20	14	niemożność	niemożność	PROPN
cjfa-3243	20	15	skorzystania	skorzystania	PROPN
cjfa-3243	20	16	z	z	PROPN
cjfa-3243	20	17	procedury	procedury	NOUN
cjfa-3243	20	18	upadłości	upadłości	PROPN
cjfa-3243	20	19	konsumenckiej	konsumenckiej	PROPN
cjfa-3243	20	20	;	;	PUNCT
cjfa-3243	20	21	groźba	groźba	NOUN
cjfa-3243	20	22	pogłębienia	pogłębienia	NOUN
cjfa-3243	20	23	ubóstwa	ubóstwa	PROPN
cjfa-3243	20	24	gospodarstw	gospodarstw	PROPN
cjfa-3243	20	25	domowych	domowych	PROPN
cjfa-3243	20	26	,	,	PUNCT
cjfa-3243	20	27	które	które	PROPN
cjfa-3243	20	28	nie	nie	PROPN
cjfa-3243	20	29	radzą	radzą	PROPN
cjfa-3243	20	30	sobie	sobie	PROPN
cjfa-3243	20	31	z	z	PROPN
cjfa-3243	20	32	zarządzaniem	zarządzaniem	PROPN
cjfa-3243	20	33	finansami	finansami	PROPN
cjfa-3243	20	34	osobistymi	osobistymi	VERB
cjfa-3243	20	35	z	z	PROPN
cjfa-3243	20	36	uwagi	uwagi	PROPN
cjfa-3243	20	37	na	na	AUX
cjfa-3243	20	38	niską	niską	PROPN
cjfa-3243	20	39	wiedzę	wiedzę	PROPN
cjfa-3243	21	1	i	i	PRON
cjfa-3243	21	2	umiejętności	umiejętności	PROPN
cjfa-3243	21	3	finansowe	finansowe	PROPN
cjfa-3243	21	4	.	.	PUNCT
cjfa-3243	22	1	translated	translate	VERB
cjfa-3243	22	2	by	by	ADP
cjfa-3243	22	3	małgorzata	małgorzata	NOUN
cjfa-3243	22	4	solarz	solarz	NOUN
cjfa-3243	22	5	 	 	SPACE
cjfa-3243	22	6	introduction	introduction	NOUN
cjfa-3243	22	7	swift	swift	ADJ
cjfa-3243	22	8	development	development	NOUN
cjfa-3243	22	9	of	of	ADP
cjfa-3243	22	10	financial	financial	ADJ
cjfa-3243	22	11	market	market	NOUN
cjfa-3243	22	12	represented	represent	VERB
cjfa-3243	22	13	one	one	NUM
cjfa-3243	22	14	of	of	ADP
cjfa-3243	22	15	the	the	DET
cjfa-3243	22	16	most	most	ADV
cjfa-3243	22	17	important	important	ADJ
cjfa-3243	22	18	transformations	transformation	NOUN
cjfa-3243	22	19	brought	bring	VERB
cjfa-3243	22	20	about	about	ADP
cjfa-3243	22	21	by	by	ADP
cjfa-3243	22	22	the	the	DET
cjfa-3243	22	23	globalization	globalization	NOUN
cjfa-3243	22	24	processes	process	NOUN
cjfa-3243	22	25	.	.	PUNCT
cjfa-3243	23	1	it	it	PRON
cjfa-3243	23	2	turned	turn	VERB
cjfa-3243	23	3	out	out	ADP
cjfa-3243	23	4	possible	possible	ADJ
cjfa-3243	23	5	owing	owe	VERB
cjfa-3243	23	6	to	to	ADP
cjfa-3243	23	7	several	several	ADJ
cjfa-3243	23	8	processes	process	NOUN
cjfa-3243	23	9	:	:	PUNCT
cjfa-3243	23	10	deregulation	deregulation	NOUN
cjfa-3243	23	11	,	,	PUNCT
cjfa-3243	23	12	the	the	DET
cjfa-3243	23	13	development	development	NOUN
cjfa-3243	23	14	of	of	ADP
cjfa-3243	23	15	new	new	ADJ
cjfa-3243	23	16	information	information	NOUN
cjfa-3243	23	17	technologies	technology	NOUN
cjfa-3243	23	18	,	,	PUNCT
cjfa-3243	23	19	as	as	ADV
cjfa-3243	23	20	well	well	ADV
cjfa-3243	23	21	as	as	ADP
cjfa-3243	23	22	the	the	DET
cjfa-3243	23	23	creation	creation	NOUN
cjfa-3243	23	24	and	and	CCONJ
cjfa-3243	23	25	implementation	implementation	NOUN
cjfa-3243	23	26	of	of	ADP
cjfa-3243	23	27	more	more	ADJ
cjfa-3243	23	28	and	and	CCONJ
cjfa-3243	23	29	more	more	ADV
cjfa-3243	23	30	complex	complex	ADJ
cjfa-3243	23	31	financial	financial	ADJ
cjfa-3243	23	32	instruments	instrument	NOUN
cjfa-3243	23	33	.	.	PUNCT
cjfa-3243	24	1	as	as	ADP
cjfa-3243	24	2	the	the	DET
cjfa-3243	24	3	result	result	NOUN
cjfa-3243	24	4	of	of	ADP
cjfa-3243	24	5	these	these	DET
cjfa-3243	24	6	processes	process	NOUN
cjfa-3243	24	7	,	,	PUNCT
cjfa-3243	24	8	in	in	ADP
cjfa-3243	24	9	the	the	DET
cjfa-3243	24	10	period	period	NOUN
cjfa-3243	24	11	of	of	ADP
cjfa-3243	24	12	recent	recent	ADJ
cjfa-3243	24	13	several	several	ADJ
cjfa-3243	24	14	years	year	NOUN
cjfa-3243	24	15	,	,	PUNCT
cjfa-3243	24	16	the	the	DET
cjfa-3243	24	17	structure	structure	NOUN
cjfa-3243	24	18	of	of	ADP
cjfa-3243	24	19	financial	financial	ADJ
cjfa-3243	24	20	market	market	NOUN
cjfa-3243	24	21	,	,	PUNCT
cjfa-3243	24	22	covering	cover	VERB
cjfa-3243	24	23	two	two	NUM
cjfa-3243	24	24	parallel	parallel	ADJ
cjfa-3243	24	25	systems	system	NOUN
cjfa-3243	24	26	,	,	PUNCT
cjfa-3243	24	27	was	be	AUX
cjfa-3243	24	28	established	establish	VERB
cjfa-3243	24	29	.	.	PUNCT
cjfa-3243	25	1	one	one	NUM
cjfa-3243	25	2	of	of	ADP
cjfa-3243	25	3	them	they	PRON
cjfa-3243	25	4	was	be	AUX
cjfa-3243	25	5	represented	represent	VERB
cjfa-3243	25	6	by	by	ADP
cjfa-3243	25	7	the	the	DET
cjfa-3243	25	8	traditional	traditional	ADJ
cjfa-3243	25	9	banking	banking	NOUN
cjfa-3243	25	10	system	system	NOUN
cjfa-3243	25	11	.	.	PUNCT
cjfa-3243	26	1	the	the	DET
cjfa-3243	26	2	parallel	parallel	ADJ
cjfa-3243	26	3	system	system	NOUN
cjfa-3243	26	4	including	include	VERB
cjfa-3243	26	5	non	non	ADJ
cjfa-3243	26	6	-	-	ADJ
cjfa-3243	26	7	banking	banking	ADJ
cjfa-3243	26	8	financial	financial	ADJ
cjfa-3243	26	9	institutions	institution	NOUN
cjfa-3243	26	10	was	be	AUX
cjfa-3243	26	11	also	also	ADV
cjfa-3243	26	12	created	create	VERB
cjfa-3243	26	13	,	,	PUNCT
cjfa-3243	26	14	and	and	CCONJ
cjfa-3243	26	15	referred	refer	VERB
cjfa-3243	26	16	to	to	ADP
cjfa-3243	26	17	as	as	ADP
cjfa-3243	26	18	shadow	shadow	NOUN
cjfa-3243	26	19	banking	banking	NOUN
cjfa-3243	26	20	or	or	CCONJ
cjfa-3243	26	21	alternative	alternative	ADJ
cjfa-3243	26	22	financial	financial	ADJ
cjfa-3243	26	23	services	service	NOUN
cjfa-3243	26	24	provision	provision	NOUN
cjfa-3243	26	25	,	,	PUNCT
cjfa-3243	26	26	the	the	DET
cjfa-3243	26	27	role	role	NOUN
cjfa-3243	26	28	of	of	ADP
cjfa-3243	26	29	which	which	PRON
cjfa-3243	26	30	has	have	AUX
cjfa-3243	26	31	grown	grow	VERB
cjfa-3243	26	32	significantly	significantly	ADV
cjfa-3243	26	33	over	over	ADP
cjfa-3243	26	34	the	the	DET
cjfa-3243	26	35	recent	recent	ADJ
cjfa-3243	26	36	decade	decade	NOUN
cjfa-3243	26	37	.	.	PUNCT
cjfa-3243	27	1	the	the	DET
cjfa-3243	27	2	most	most	ADV
cjfa-3243	27	3	important	important	ADJ
cjfa-3243	27	4	attribute	attribute	NOUN
cjfa-3243	27	5	of	of	ADP
cjfa-3243	27	6	such	such	ADJ
cjfa-3243	27	7	system	system	NOUN
cjfa-3243	27	8	was	be	AUX
cjfa-3243	27	9	the	the	DET
cjfa-3243	27	10	fact	fact	NOUN
cjfa-3243	27	11	that	that	SCONJ
cjfa-3243	27	12	it	it	PRON
cjfa-3243	27	13	was	be	AUX
cjfa-3243	27	14	functioning	function	VERB
cjfa-3243	27	15	outside	outside	ADP
cjfa-3243	27	16	both	both	CCONJ
cjfa-3243	27	17	the	the	DET
cjfa-3243	27	18	regulations	regulation	NOUN
cjfa-3243	27	19	in	in	ADP
cjfa-3243	27	20	force	force	NOUN
cjfa-3243	27	21	and	and	CCONJ
cjfa-3243	27	22	the	the	DET
cjfa-3243	27	23	state	state	NOUN
cjfa-3243	27	24	supervision	supervision	NOUN
cjfa-3243	27	25	system	system	NOUN
cjfa-3243	27	26	and	and	CCONJ
cjfa-3243	27	27	therefore	therefore	ADV
cjfa-3243	27	28	was	be	AUX
cjfa-3243	27	29	referred	refer	VERB
cjfa-3243	27	30	to	to	ADP
cjfa-3243	27	31	as	as	ADP
cjfa-3243	27	32	shadow	shadow	NOUN
cjfa-3243	27	33	banking	banking	NOUN
cjfa-3243	27	34	.	.	PUNCT
cjfa-3243	28	1	the	the	DET
cjfa-3243	28	2	importance	importance	NOUN
cjfa-3243	28	3	of	of	ADP
cjfa-3243	28	4	shadow	shadow	NOUN
cjfa-3243	28	5	banking	banking	NOUN
cjfa-3243	28	6	sector	sector	NOUN
cjfa-3243	28	7	entities	entity	NOUN
cjfa-3243	28	8	for	for	ADP
cjfa-3243	28	9	population	population	NOUN
cjfa-3243	28	10	191	191	NUM
cjfa-3243	28	11	both	both	CCONJ
cjfa-3243	28	12	products	product	NOUN
cjfa-3243	28	13	and	and	CCONJ
cjfa-3243	28	14	services	service	NOUN
cjfa-3243	28	15	offered	offer	VERB
cjfa-3243	28	16	by	by	ADP
cjfa-3243	28	17	alternative	alternative	ADJ
cjfa-3243	28	18	financial	financial	ADJ
cjfa-3243	28	19	services	service	NOUN
cjfa-3243	28	20	providers	provider	NOUN
cjfa-3243	28	21	were	be	AUX
cjfa-3243	28	22	mainly	mainly	ADV
cjfa-3243	28	23	appreciated	appreciate	VERB
cjfa-3243	28	24	by	by	ADP
cjfa-3243	28	25	households	household	NOUN
cjfa-3243	28	26	deprived	deprive	VERB
cjfa-3243	28	27	of	of	ADP
cjfa-3243	28	28	creditworthiness	creditworthiness	NOUN
cjfa-3243	28	29	and	and	CCONJ
cjfa-3243	28	30	offered	offer	VERB
cjfa-3243	28	31	them	they	PRON
cjfa-3243	28	32	an	an	DET
cjfa-3243	28	33	opportunity	opportunity	NOUN
cjfa-3243	28	34	to	to	PART
cjfa-3243	28	35	take	take	VERB
cjfa-3243	28	36	advantage	advantage	NOUN
cjfa-3243	28	37	of	of	ADP
cjfa-3243	28	38	bank	bank	NOUN
cjfa-3243	28	39	credits	credit	NOUN
cjfa-3243	28	40	.	.	PUNCT
cjfa-3243	29	1	individuals	individual	NOUN
cjfa-3243	29	2	forced	force	VERB
cjfa-3243	29	3	by	by	ADP
cjfa-3243	29	4	their	their	PRON
cjfa-3243	29	5	personal	personal	ADJ
cjfa-3243	29	6	situation	situation	NOUN
cjfa-3243	29	7	to	to	PART
cjfa-3243	29	8	take	take	VERB
cjfa-3243	29	9	high	high	ADJ
cjfa-3243	29	10	-	-	PUNCT
cjfa-3243	29	11	interest	interest	NOUN
cjfa-3243	29	12	loans	loan	NOUN
cjfa-3243	29	13	outside	outside	ADP
cjfa-3243	29	14	banking	banking	NOUN
cjfa-3243	29	15	system	system	NOUN
cjfa-3243	29	16	frequently	frequently	ADV
cjfa-3243	29	17	find	find	VERB
cjfa-3243	29	18	themselves	themselves	PRON
cjfa-3243	29	19	in	in	ADP
cjfa-3243	29	20	a	a	DET
cjfa-3243	29	21	trap	trap	NOUN
cjfa-3243	29	22	of	of	ADP
cjfa-3243	29	23	indebtedness	indebtedness	NOUN
cjfa-3243	29	24	and	and	CCONJ
cjfa-3243	29	25	therefore	therefore	ADV
cjfa-3243	29	26	join	join	VERB
cjfa-3243	29	27	the	the	DET
cjfa-3243	29	28	group	group	NOUN
cjfa-3243	29	29	of	of	ADP
cjfa-3243	29	30	population	population	NOUN
cjfa-3243	29	31	affected	affect	VERB
cjfa-3243	29	32	by	by	ADP
cjfa-3243	29	33	credit	credit	NOUN
cjfa-3243	29	34	exclusion	exclusion	NOUN
cjfa-3243	29	35	.	.	PUNCT
cjfa-3243	30	1	in	in	ADP
cjfa-3243	30	2	the	the	DET
cjfa-3243	30	3	perspective	perspective	NOUN
cjfa-3243	30	4	of	of	ADP
cjfa-3243	30	5	the	the	DET
cjfa-3243	30	6	observed	observed	ADJ
cjfa-3243	30	7	tendencies	tendency	NOUN
cjfa-3243	30	8	the	the	DET
cjfa-3243	30	9	objective	objective	NOUN
cjfa-3243	30	10	of	of	ADP
cjfa-3243	30	11	hereby	hereby	ADJ
cjfa-3243	30	12	paper	paper	NOUN
cjfa-3243	30	13	is	be	AUX
cjfa-3243	30	14	to	to	PART
cjfa-3243	30	15	identify	identify	VERB
cjfa-3243	30	16	advantages	advantage	NOUN
cjfa-3243	30	17	and	and	CCONJ
cjfa-3243	30	18	threats	threat	NOUN
cjfa-3243	30	19	resulting	result	VERB
cjfa-3243	30	20	from	from	ADP
cjfa-3243	30	21	activities	activity	NOUN
cjfa-3243	30	22	performed	perform	VERB
cjfa-3243	30	23	by	by	ADP
cjfa-3243	30	24	entities	entity	NOUN
cjfa-3243	30	25	functioning	function	VERB
cjfa-3243	30	26	in	in	ADP
cjfa-3243	30	27	the	the	DET
cjfa-3243	30	28	shadow	shadow	NOUN
cjfa-3243	30	29	banking	banking	NOUN
cjfa-3243	30	30	sector	sector	NOUN
cjfa-3243	30	31	with	with	ADP
cjfa-3243	30	32	reference	reference	NOUN
cjfa-3243	30	33	to	to	ADP
cjfa-3243	30	34	people	people	NOUN
cjfa-3243	30	35	suffering	suffer	VERB
cjfa-3243	30	36	credit	credit	NOUN
cjfa-3243	30	37	exclusion	exclusion	NOUN
cjfa-3243	30	38	.	.	PUNCT
cjfa-3243	31	1	1	1	X
cjfa-3243	31	2	.	.	X
cjfa-3243	31	3	research	research	NOUN
cjfa-3243	31	4	methodology	methodology	NOUN
cjfa-3243	31	5	applied	apply	VERB
cjfa-3243	31	6	research	research	NOUN
cjfa-3243	31	7	methods	method	NOUN
cjfa-3243	31	8	are	be	AUX
cjfa-3243	31	9	a	a	DET
cjfa-3243	31	10	method	method	NOUN
cjfa-3243	31	11	of	of	ADP
cjfa-3243	31	12	descriptive	descriptive	ADJ
cjfa-3243	31	13	and	and	CCONJ
cjfa-3243	31	14	simple	simple	ADJ
cjfa-3243	31	15	statistical	statistical	ADJ
cjfa-3243	31	16	methods	method	NOUN
cjfa-3243	31	17	that	that	PRON
cjfa-3243	31	18	were	be	AUX
cjfa-3243	31	19	used	use	VERB
cjfa-3243	31	20	to	to	PART
cjfa-3243	31	21	analyze	analyze	VERB
cjfa-3243	31	22	the	the	DET
cjfa-3243	31	23	data	datum	NOUN
cjfa-3243	31	24	from	from	ADP
cjfa-3243	31	25	the	the	DET
cjfa-3243	31	26	global	global	ADJ
cjfa-3243	31	27	financial	financial	ADJ
cjfa-3243	31	28	inclusion	inclusion	NOUN
cjfa-3243	31	29	database	database	NOUN
cjfa-3243	31	30	and	and	CCONJ
cjfa-3243	31	31	the	the	DET
cjfa-3243	31	32	report	report	NOUN
cjfa-3243	31	33	entitled	entitle	VERB
cjfa-3243	31	34	the	the	DET
cjfa-3243	31	35	market	market	NOUN
cjfa-3243	31	36	of	of	ADP
cjfa-3243	31	37	loan	loan	NOUN
cjfa-3243	31	38	companies	company	NOUN
cjfa-3243	31	39	in	in	ADP
cjfa-3243	31	40	poland	poland	PROPN
cjfa-3243	31	41	.	.	PUNCT
cjfa-3243	32	1	2	2	X
cjfa-3243	32	2	.	.	X
cjfa-3243	32	3	shadow	shadow	NOUN
cjfa-3243	32	4	banking	banking	NOUN
cjfa-3243	32	5	sector	sector	NOUN
cjfa-3243	32	6	–	–	PUNCT
cjfa-3243	32	7	the	the	DET
cjfa-3243	32	8	concept	concept	NOUN
cjfa-3243	32	9	and	and	CCONJ
cjfa-3243	32	10	entities	entity	NOUN
cjfa-3243	32	11	the	the	DET
cjfa-3243	32	12	term	term	NOUN
cjfa-3243	32	13	‘	'	PUNCT
cjfa-3243	32	14	shadow	shadow	NOUN
cjfa-3243	32	15	banking	banking	NOUN
cjfa-3243	32	16	’	'	PUNCT
cjfa-3243	32	17	was	be	AUX
cjfa-3243	32	18	probably	probably	ADV
cjfa-3243	32	19	used	use	VERB
cjfa-3243	32	20	for	for	ADP
cjfa-3243	32	21	the	the	DET
cjfa-3243	32	22	first	first	ADJ
cjfa-3243	32	23	time	time	NOUN
cjfa-3243	32	24	by	by	ADP
cjfa-3243	32	25	p.	p.	PROPN
cjfa-3243	32	26	mcculley	mcculley	PROPN
cjfa-3243	32	27	,	,	PUNCT
cjfa-3243	32	28	the	the	DET
cjfa-3243	32	29	director	director	NOUN
cjfa-3243	32	30	of	of	ADP
cjfa-3243	32	31	pimco	pimco	PROPN
cjfa-3243	32	32	investment	investment	NOUN
cjfa-3243	32	33	company	company	NOUN
cjfa-3243	32	34	at	at	ADP
cjfa-3243	32	35	a	a	DET
cjfa-3243	32	36	scientific	scientific	ADJ
cjfa-3243	32	37	conference	conference	NOUN
cjfa-3243	32	38	held	hold	VERB
cjfa-3243	32	39	at	at	ADP
cjfa-3243	32	40	the	the	DET
cjfa-3243	32	41	end	end	NOUN
cjfa-3243	32	42	of	of	ADP
cjfa-3243	32	43	2007	2007	NUM
cjfa-3243	32	44	.	.	PUNCT
cjfa-3243	33	1	in	in	ADP
cjfa-3243	33	2	accordance	accordance	NOUN
cjfa-3243	33	3	with	with	ADP
cjfa-3243	33	4	this	this	DET
cjfa-3243	33	5	definition	definition	NOUN
cjfa-3243	33	6	the	the	DET
cjfa-3243	33	7	shadow	shadow	NOUN
cjfa-3243	33	8	banking	banking	NOUN
cjfa-3243	33	9	system	system	NOUN
cjfa-3243	33	10	is	be	AUX
cjfa-3243	33	11	understood	understand	VERB
cjfa-3243	33	12	as	as	ADP
cjfa-3243	33	13	the	the	DET
cjfa-3243	33	14	entire	entire	ADJ
cjfa-3243	33	15	spectrum	spectrum	NOUN
cjfa-3243	33	16	of	of	ADP
cjfa-3243	33	17	transactions	transaction	NOUN
cjfa-3243	33	18	representing	represent	VERB
cjfa-3243	33	19	traditional	traditional	ADJ
cjfa-3243	33	20	banking	banking	NOUN
cjfa-3243	33	21	services	service	NOUN
cjfa-3243	33	22	(	(	PUNCT
cjfa-3243	33	23	i.e.	i.e.	X
cjfa-3243	33	24	obtaining	obtain	VERB
cjfa-3243	33	25	financial	financial	ADJ
cjfa-3243	33	26	means	mean	NOUN
cjfa-3243	33	27	from	from	ADP
cjfa-3243	33	28	savers	saver	NOUN
cjfa-3243	33	29	and	and	CCONJ
cjfa-3243	33	30	investors	investor	NOUN
cjfa-3243	33	31	and	and	CCONJ
cjfa-3243	33	32	borrowing	borrow	VERB
cjfa-3243	33	33	these	these	DET
cjfa-3243	33	34	means	mean	NOUN
cjfa-3243	33	35	to	to	ADP
cjfa-3243	33	36	credit	credit	NOUN
cjfa-3243	33	37	recipients	recipient	NOUN
cjfa-3243	33	38	)	)	PUNCT
cjfa-3243	33	39	,	,	PUNCT
cjfa-3243	33	40	however	however	ADV
cjfa-3243	33	41	,	,	PUNCT
cjfa-3243	33	42	featuring	feature	VERB
cjfa-3243	33	43	different	different	ADJ
cjfa-3243	33	44	status	status	NOUN
cjfa-3243	33	45	.	.	PUNCT
cjfa-3243	34	1	in	in	ADP
cjfa-3243	34	2	case	case	NOUN
cjfa-3243	34	3	of	of	ADP
cjfa-3243	34	4	these	these	DET
cjfa-3243	34	5	operations	operation	NOUN
cjfa-3243	34	6	realization	realization	NOUN
cjfa-3243	34	7	outside	outside	ADP
cjfa-3243	34	8	banking	banking	NOUN
cjfa-3243	34	9	sector	sector	NOUN
cjfa-3243	34	10	the	the	DET
cjfa-3243	34	11	possibility	possibility	NOUN
cjfa-3243	34	12	of	of	ADP
cjfa-3243	34	13	avoiding	avoid	VERB
cjfa-3243	34	14	banking	banking	NOUN
cjfa-3243	34	15	regulations	regulation	NOUN
cjfa-3243	34	16	occurs	occur	VERB
cjfa-3243	34	17	,	,	PUNCT
cjfa-3243	34	18	since	since	SCONJ
cjfa-3243	34	19	these	these	DET
cjfa-3243	34	20	transactions	transaction	NOUN
cjfa-3243	34	21	are	be	AUX
cjfa-3243	34	22	not	not	PART
cjfa-3243	34	23	controlled	control	VERB
cjfa-3243	34	24	by	by	ADP
cjfa-3243	34	25	supervision	supervision	NOUN
cjfa-3243	34	26	institutions	institution	NOUN
cjfa-3243	34	27	adequate	adequate	ADJ
cjfa-3243	34	28	for	for	ADP
cjfa-3243	34	29	the	the	DET
cjfa-3243	34	30	financial	financial	ADJ
cjfa-3243	34	31	market	market	NOUN
cjfa-3243	34	32	(	(	PUNCT
cjfa-3243	34	33	iwaisako	iwaisako	NOUN
cjfa-3243	34	34	2010	2010	NUM
cjfa-3243	34	35	,	,	PUNCT
cjfa-3243	34	36	347–368	347–368	NUM
cjfa-3243	34	37	)	)	PUNCT
cjfa-3243	34	38	.	.	PUNCT
cjfa-3243	35	1	the	the	DET
cjfa-3243	35	2	first	first	ADJ
cjfa-3243	35	3	research	research	NOUN
cjfa-3243	35	4	studies	study	NOUN
cjfa-3243	35	5	on	on	ADP
cjfa-3243	35	6	shadow	shadow	NOUN
cjfa-3243	35	7	banking	banking	NOUN
cjfa-3243	35	8	,	,	PUNCT
cjfa-3243	35	9	by	by	ADP
cjfa-3243	35	10	such	such	ADJ
cjfa-3243	35	11	authors	author	NOUN
cjfa-3243	35	12	as	as	ADP
cjfa-3243	35	13	pozsar	pozsar	ADJ
cjfa-3243	35	14	(	(	PUNCT
cjfa-3243	35	15	2008	2008	NUM
cjfa-3243	35	16	)	)	PUNCT
cjfa-3243	35	17	and	and	CCONJ
cjfa-3243	35	18	also	also	ADV
cjfa-3243	35	19	adrian	adrian	PROPN
cjfa-3243	35	20	and	and	CCONJ
cjfa-3243	35	21	shin	shin	NOUN
cjfa-3243	35	22	(	(	PUNCT
cjfa-3243	35	23	2009	2009	NUM
cjfa-3243	35	24	)	)	PUNCT
cjfa-3243	35	25	,	,	PUNCT
cjfa-3243	35	26	were	be	AUX
cjfa-3243	35	27	published	publish	VERB
cjfa-3243	35	28	a	a	DET
cjfa-3243	35	29	year	year	NOUN
cjfa-3243	35	30	later	later	ADV
cjfa-3243	35	31	.	.	PUNCT
cjfa-3243	36	1	the	the	DET
cjfa-3243	36	2	interest	interest	NOUN
cjfa-3243	36	3	in	in	ADP
cjfa-3243	36	4	this	this	DET
cjfa-3243	36	5	subject	subject	NOUN
cjfa-3243	36	6	matter	matter	NOUN
cjfa-3243	36	7	was	be	AUX
cjfa-3243	36	8	gradually	gradually	ADV
cjfa-3243	36	9	increasing	increase	VERB
cjfa-3243	36	10	and	and	CCONJ
cjfa-3243	36	11	hence	hence	ADV
cjfa-3243	36	12	more	more	ADJ
cjfa-3243	36	13	research	research	NOUN
cjfa-3243	36	14	was	be	AUX
cjfa-3243	36	15	initiated	initiate	VERB
cjfa-3243	36	16	by	by	ADP
cjfa-3243	36	17	both	both	DET
cjfa-3243	36	18	economists	economist	NOUN
cjfa-3243	36	19	and	and	CCONJ
cjfa-3243	36	20	lawyers	lawyer	NOUN
cjfa-3243	36	21	.	.	PUNCT
cjfa-3243	37	1	among	among	ADP
cjfa-3243	37	2	them	they	PRON
cjfa-3243	37	3	the	the	DET
cjfa-3243	37	4	following	follow	VERB
cjfa-3243	37	5	should	should	AUX
cjfa-3243	37	6	be	be	AUX
cjfa-3243	37	7	listed	list	VERB
cjfa-3243	37	8	:	:	PUNCT
cjfa-3243	37	9	gorton	gorton	PROPN
cjfa-3243	37	10	and	and	CCONJ
cjfa-3243	37	11	metrick	metrick	ADJ
cjfa-3243	37	12	(	(	PUNCT
cjfa-3243	37	13	2010	2010	NUM
cjfa-3243	37	14	,	,	PUNCT
cjfa-3243	37	15	2012	2012	NUM
cjfa-3243	37	16	)	)	PUNCT
cjfa-3243	37	17	,	,	PUNCT
cjfa-3243	37	18	ordoñez	ordoñez	INTJ
cjfa-3243	37	19	(	(	PUNCT
cjfa-3243	37	20	2013	2013	NUM
cjfa-3243	37	21	)	)	PUNCT
cjfa-3243	37	22	,	,	PUNCT
cjfa-3243	37	23	gennaioli	gennaioli	ADV
cjfa-3243	37	24	,	,	PUNCT
cjfa-3243	37	25	shleifer	shleifer	NOUN
cjfa-3243	37	26	,	,	PUNCT
cjfa-3243	37	27	vishny	vishny	PROPN
cjfa-3243	37	28	(	(	PUNCT
cjfa-3243	37	29	2013	2013	NUM
cjfa-3243	37	30	)	)	PUNCT
cjfa-3243	37	31	,	,	PUNCT
cjfa-3243	37	32	or	or	CCONJ
cjfa-3243	37	33	schwarcz	schwarcz	NOUN
cjfa-3243	37	34	(	(	PUNCT
cjfa-3243	37	35	2012	2012	NUM
cjfa-3243	37	36	)	)	PUNCT
cjfa-3243	37	37	and	and	CCONJ
cjfa-3243	37	38	ricks	rick	NOUN
cjfa-3243	37	39	(	(	PUNCT
cjfa-3243	37	40	2010	2010	NUM
cjfa-3243	37	41	)	)	PUNCT
cjfa-3243	37	42	.	.	PUNCT
cjfa-3243	38	1	in	in	ADP
cjfa-3243	38	2	october	october	PROPN
cjfa-3243	38	3	2011	2011	NUM
cjfa-3243	38	4	the	the	DET
cjfa-3243	38	5	financial	financial	ADJ
cjfa-3243	38	6	stability	stability	PROPN
cjfa-3243	38	7	board	board	NOUN
cjfa-3243	38	8	(	(	PUNCT
cjfa-3243	38	9	fsb	fsb	NOUN
cjfa-3243	38	10	)	)	PUNCT
cjfa-3243	38	11	–	–	PUNCT
cjfa-3243	38	12	the	the	DET
cjfa-3243	38	13	institution	institution	NOUN
cjfa-3243	38	14	which	which	PRON
cjfa-3243	38	15	supports	support	VERB
cjfa-3243	38	16	and	and	CCONJ
cjfa-3243	38	17	coordinates	coordinate	NOUN
cjfa-3243	38	18	activities	activity	NOUN
cjfa-3243	38	19	performed	perform	VERB
cjfa-3243	38	20	by	by	ADP
cjfa-3243	38	21	the	the	DET
cjfa-3243	38	22	largest	large	ADJ
cjfa-3243	38	23	national	national	ADJ
cjfa-3243	38	24	financial	financial	ADJ
cjfa-3243	38	25	bodies	body	NOUN
cjfa-3243	38	26	at	at	ADP
cjfa-3243	38	27	an	an	DET
cjfa-3243	38	28	international	international	ADJ
cjfa-3243	38	29	level	level	NOUN
cjfa-3243	38	30	–	–	PUNCT
cjfa-3243	38	31	defined	define	VERB
cjfa-3243	38	32	“	"	PUNCT
cjfa-3243	38	33	shadow	shadow	NOUN
cjfa-3243	38	34	banking	banking	NOUN
cjfa-3243	38	35	as	as	ADP
cjfa-3243	38	36	the	the	DET
cjfa-3243	38	37	system	system	NOUN
cjfa-3243	38	38	of	of	ADP
cjfa-3243	38	39	małgorzata	małgorzata	NOUN
cjfa-3243	38	40	solarz192	solarz192	PROPN
cjfa-3243	38	41	credit	credit	NOUN
cjfa-3243	38	42	intermediation	intermediation	NOUN
cjfa-3243	38	43	which	which	PRON
cjfa-3243	38	44	covers	cover	VERB
cjfa-3243	38	45	units	unit	NOUN
cjfa-3243	38	46	or	or	CCONJ
cjfa-3243	38	47	types	type	NOUN
cjfa-3243	38	48	of	of	ADP
cjfa-3243	38	49	activities	activity	NOUN
cjfa-3243	38	50	outside	outside	ADP
cjfa-3243	38	51	the	the	DET
cjfa-3243	38	52	regulated	regulated	ADJ
cjfa-3243	38	53	banking	banking	NOUN
cjfa-3243	38	54	system	system	NOUN
cjfa-3243	38	55	”	"	PUNCT
cjfa-3243	38	56	(	(	PUNCT
cjfa-3243	38	57	shadow	shadow	NOUN
cjfa-3243	38	58	banking	banking	NOUN
cjfa-3243	38	59	2011	2011	NUM
cjfa-3243	38	60	)	)	PUNCT
cjfa-3243	38	61	.	.	PUNCT
cjfa-3243	39	1	it	it	PRON
cjfa-3243	39	2	means	mean	VERB
cjfa-3243	39	3	that	that	SCONJ
cjfa-3243	39	4	shadow	shadow	NOUN
cjfa-3243	39	5	banking	banking	NOUN
cjfa-3243	39	6	sector	sector	NOUN
cjfa-3243	39	7	is	be	AUX
cjfa-3243	39	8	made	make	VERB
cjfa-3243	39	9	up	up	ADP
cjfa-3243	39	10	of	of	ADP
cjfa-3243	39	11	e.g.	e.g.	ADJ
cjfa-3243	39	12	entities	entity	NOUN
cjfa-3243	39	13	involved	involve	VERB
cjfa-3243	39	14	in	in	ADP
cjfa-3243	39	15	:	:	PUNCT
cjfa-3243	39	16	■	■	PUNCT
cjfa-3243	39	17	accepting	accept	VERB
cjfa-3243	39	18	deposits	deposit	NOUN
cjfa-3243	39	19	(	(	PUNCT
cjfa-3243	39	20	which	which	PRON
cjfa-3243	39	21	are	be	AUX
cjfa-3243	39	22	not	not	PART
cjfa-3243	39	23	guaranteed	guarantee	VERB
cjfa-3243	39	24	)	)	PUNCT
cjfa-3243	39	25	,	,	PUNCT
cjfa-3243	39	26	■	■	PUNCT
cjfa-3243	39	27	transforming	transform	VERB
cjfa-3243	39	28	liquidity	liquidity	NOUN
cjfa-3243	39	29	and	and	CCONJ
cjfa-3243	39	30	transferring	transfer	VERB
cjfa-3243	39	31	credit	credit	NOUN
cjfa-3243	39	32	risk	risk	NOUN
cjfa-3243	39	33	,	,	PUNCT
cjfa-3243	39	34	■	■	PUNCT
cjfa-3243	39	35	offering	offer	VERB
cjfa-3243	39	36	securitization	securitization	NOUN
cjfa-3243	39	37	,	,	PUNCT
cjfa-3243	39	38	securities	security	NOUN
cjfa-3243	39	39	landing	landing	NOUN
cjfa-3243	39	40	and	and	CCONJ
cjfa-3243	39	41	transactions	transaction	NOUN
cjfa-3243	39	42	warranted	warrant	VERB
cjfa-3243	39	43	by	by	ADP
cjfa-3243	39	44	repurchase	repurchase	NOUN
cjfa-3243	39	45	(	(	PUNCT
cjfa-3243	39	46	zaleska	zaleska	NOUN
cjfa-3243	39	47	2012	2012	NUM
cjfa-3243	39	48	,	,	PUNCT
cjfa-3243	39	49	16	16	NUM
cjfa-3243	39	50	)	)	PUNCT
cjfa-3243	39	51	.	.	PUNCT
cjfa-3243	40	1	further	further	ADJ
cjfa-3243	40	2	part	part	NOUN
cjfa-3243	40	3	of	of	ADP
cjfa-3243	40	4	the	the	DET
cjfa-3243	40	5	paper	paper	NOUN
cjfa-3243	40	6	discusses	discuss	VERB
cjfa-3243	40	7	alternative	alternative	ADJ
cjfa-3243	40	8	financial	financial	ADJ
cjfa-3243	40	9	institutions	institution	NOUN
cjfa-3243	40	10	which	which	PRON
cjfa-3243	40	11	have	have	VERB
cjfa-3243	40	12	loan	loan	NOUN
cjfa-3243	40	13	products	product	NOUN
cjfa-3243	40	14	in	in	ADP
cjfa-3243	40	15	their	their	PRON
cjfa-3243	40	16	offer	offer	NOUN
cjfa-3243	40	17	.	.	PUNCT
cjfa-3243	41	1	one	one	NUM
cjfa-3243	41	2	of	of	ADP
cjfa-3243	41	3	the	the	DET
cjfa-3243	41	4	criteria	criterion	NOUN
cjfa-3243	41	5	for	for	ADP
cjfa-3243	41	6	classifying	classify	VERB
cjfa-3243	41	7	products	product	NOUN
cjfa-3243	41	8	is	be	AUX
cjfa-3243	41	9	the	the	DET
cjfa-3243	41	10	purpose	purpose	NOUN
cjfa-3243	41	11	of	of	ADP
cjfa-3243	41	12	their	their	PRON
cjfa-3243	41	13	operations	operation	NOUN
cjfa-3243	41	14	.	.	PUNCT
cjfa-3243	42	1	it	it	PRON
cjfa-3243	42	2	divides	divide	VERB
cjfa-3243	42	3	these	these	DET
cjfa-3243	42	4	institutions	institution	NOUN
cjfa-3243	42	5	into	into	ADP
cjfa-3243	42	6	commercial	commercial	ADJ
cjfa-3243	42	7	(	(	PUNCT
cjfa-3243	42	8	e.g.	e.g.	ADV
cjfa-3243	42	9	moneylenders	moneylender	NOUN
cjfa-3243	42	10	,	,	PUNCT
cjfa-3243	42	11	pawnbrokers	pawnbroker	NOUN
cjfa-3243	42	12	)	)	PUNCT
cjfa-3243	42	13	and	and	CCONJ
cjfa-3243	42	14	not	not	PART
cjfa-3243	42	15	-	-	PUNCT
cjfa-3243	42	16	for	for	ADP
cjfa-3243	42	17	-	-	PUNCT
cjfa-3243	42	18	profit	profit	NOUN
cjfa-3243	42	19	(	(	PUNCT
cjfa-3243	42	20	e.g.	e.g.	ADV
cjfa-3243	42	21	credit	credit	NOUN
cjfa-3243	42	22	unions	union	NOUN
cjfa-3243	42	23	,	,	PUNCT
cjfa-3243	42	24	microfinance	microfinance	NOUN
cjfa-3243	42	25	institutions	institution	NOUN
cjfa-3243	42	26	)	)	PUNCT
cjfa-3243	42	27	ones	one	NOUN
cjfa-3243	42	28	(	(	PUNCT
cjfa-3243	42	29	anderloni	anderloni	NOUN
cjfa-3243	42	30	2008	2008	NUM
cjfa-3243	42	31	)	)	PUNCT
cjfa-3243	42	32	.	.	PUNCT
cjfa-3243	43	1	entities	entity	NOUN
cjfa-3243	43	2	included	include	VERB
cjfa-3243	43	3	in	in	ADP
cjfa-3243	43	4	shadow	shadow	NOUN
cjfa-3243	43	5	banking	banking	NOUN
cjfa-3243	43	6	sector	sector	NOUN
cjfa-3243	43	7	can	can	AUX
cjfa-3243	43	8	be	be	AUX
cjfa-3243	43	9	divided	divide	VERB
cjfa-3243	43	10	into	into	ADP
cjfa-3243	43	11	two	two	NUM
cjfa-3243	43	12	groups	group	NOUN
cjfa-3243	43	13	considering	consider	VERB
cjfa-3243	43	14	legal	legal	ADJ
cjfa-3243	43	15	and	and	CCONJ
cjfa-3243	43	16	moral	moral	ADJ
cjfa-3243	43	17	legitimacy	legitimacy	NOUN
cjfa-3243	43	18	of	of	ADP
cjfa-3243	43	19	their	their	PRON
cjfa-3243	43	20	operations	operation	NOUN
cjfa-3243	43	21	.	.	PUNCT
cjfa-3243	44	1	e.g.	e.g.	ADV
cjfa-3243	44	2	loans	loan	NOUN
cjfa-3243	44	3	granting	grant	VERB
cjfa-3243	44	4	entities	entity	NOUN
cjfa-3243	44	5	may	may	AUX
cjfa-3243	44	6	be	be	AUX
cjfa-3243	44	7	characterized	characterize	VERB
cjfa-3243	44	8	by	by	ADP
cjfa-3243	44	9	the	the	DET
cjfa-3243	44	10	fact	fact	NOUN
cjfa-3243	44	11	that	that	SCONJ
cjfa-3243	44	12	they	they	PRON
cjfa-3243	44	13	follow	follow	VERB
cjfa-3243	44	14	legislation	legislation	NOUN
cjfa-3243	44	15	in	in	ADP
cjfa-3243	44	16	force	force	NOUN
cjfa-3243	44	17	,	,	PUNCT
cjfa-3243	44	18	i.e.	i.e.	X
cjfa-3243	44	19	enter	enter	VERB
cjfa-3243	44	20	into	into	ADP
cjfa-3243	44	21	written	write	VERB
cjfa-3243	44	22	loan	loan	NOUN
cjfa-3243	44	23	agreements	agreement	NOUN
cjfa-3243	44	24	,	,	PUNCT
cjfa-3243	44	25	do	do	AUX
cjfa-3243	44	26	not	not	PART
cjfa-3243	44	27	conceal	conceal	VERB
cjfa-3243	44	28	key	key	ADJ
cjfa-3243	44	29	information	information	NOUN
cjfa-3243	44	30	regarding	regard	VERB
cjfa-3243	44	31	debt	debt	NOUN
cjfa-3243	44	32	repayment	repayment	NOUN
cjfa-3243	44	33	or	or	CCONJ
cjfa-3243	44	34	its	its	PRON
cjfa-3243	44	35	actual	actual	ADJ
cjfa-3243	44	36	cost	cost	NOUN
cjfa-3243	44	37	,	,	PUNCT
cjfa-3243	44	38	do	do	AUX
cjfa-3243	44	39	not	not	PART
cjfa-3243	44	40	resort	resort	VERB
cjfa-3243	44	41	to	to	ADP
cjfa-3243	44	42	activities	activity	NOUN
cjfa-3243	44	43	forbidden	forbid	VERB
cjfa-3243	44	44	by	by	ADP
cjfa-3243	44	45	law	law	NOUN
cjfa-3243	44	46	addressed	address	VERB
cjfa-3243	44	47	at	at	ADP
cjfa-3243	44	48	unreliable	unreliable	ADJ
cjfa-3243	44	49	debtors	debtor	NOUN
cjfa-3243	44	50	.	.	PUNCT
cjfa-3243	45	1	the	the	DET
cjfa-3243	45	2	second	second	ADJ
cjfa-3243	45	3	group	group	NOUN
cjfa-3243	45	4	covers	cover	VERB
cjfa-3243	45	5	entities	entity	NOUN
cjfa-3243	45	6	to	to	PART
cjfa-3243	45	7	which	which	PRON
cjfa-3243	45	8	the	the	DET
cjfa-3243	45	9	above	above	ADJ
cjfa-3243	45	10	qualities	quality	NOUN
cjfa-3243	45	11	do	do	AUX
cjfa-3243	45	12	not	not	PART
cjfa-3243	45	13	refer	refer	VERB
cjfa-3243	45	14	and	and	CCONJ
cjfa-3243	45	15	lending	lend	VERB
cjfa-3243	45	16	money	money	NOUN
cjfa-3243	45	17	at	at	ADP
cjfa-3243	45	18	high	high	ADJ
cjfa-3243	45	19	interest	interest	NOUN
cjfa-3243	45	20	is	be	AUX
cjfa-3243	45	21	a	a	DET
cjfa-3243	45	22	standard	standard	ADJ
cjfa-3243	45	23	service	service	NOUN
cjfa-3243	45	24	.	.	PUNCT
cjfa-3243	46	1	in	in	ADP
cjfa-3243	46	2	spite	spite	NOUN
cjfa-3243	46	3	of	of	ADP
cjfa-3243	46	4	the	the	DET
cjfa-3243	46	5	fact	fact	NOUN
cjfa-3243	46	6	that	that	SCONJ
cjfa-3243	46	7	the	the	DET
cjfa-3243	46	8	,	,	PUNCT
cjfa-3243	46	9	so	so	ADV
cjfa-3243	46	10	called	call	VERB
cjfa-3243	46	11	,	,	PUNCT
cjfa-3243	46	12	anti	anti	ADJ
cjfa-3243	46	13	-	-	ADJ
cjfa-3243	46	14	usury	usury	ADJ
cjfa-3243	46	15	act	act	NOUN
cjfa-3243	46	16	–	–	PUNCT
cjfa-3243	46	17	official	official	ADJ
cjfa-3243	46	18	gazette	gazette	NOUN
cjfa-3243	46	19	of	of	ADP
cjfa-3243	46	20	2005	2005	NUM
cjfa-3243	46	21	no	no	NOUN
cjfa-3243	46	22	.	.	PROPN
cjfa-3243	46	23	157	157	NUM
cjfa-3243	46	24	,	,	PUNCT
cjfa-3243	46	25	item	item	NOUN
cjfa-3243	46	26	1316	1316	NUM
cjfa-3243	46	27	–	–	PUNCT
cjfa-3243	46	28	prohibits	prohibit	VERB
cjfa-3243	46	29	lending	lend	VERB
cjfa-3243	46	30	money	money	NOUN
cjfa-3243	46	31	in	in	ADP
cjfa-3243	46	32	poland	poland	PROPN
cjfa-3243	46	33	at	at	ADP
cjfa-3243	46	34	an	an	DET
cjfa-3243	46	35	interest	interest	NOUN
cjfa-3243	46	36	higher	high	ADJ
cjfa-3243	46	37	than	than	ADP
cjfa-3243	46	38	16	16	NUM
cjfa-3243	46	39	%	%	NOUN
cjfa-3243	46	40	annually	annually	ADV
cjfa-3243	46	41	,	,	PUNCT
cjfa-3243	46	42	lenders	lender	NOUN
cjfa-3243	46	43	include	include	VERB
cjfa-3243	46	44	all	all	DET
cjfa-3243	46	45	types	type	NOUN
cjfa-3243	46	46	of	of	ADP
cjfa-3243	46	47	fees	fee	NOUN
cjfa-3243	46	48	or	or	CCONJ
cjfa-3243	46	49	insurance	insurance	NOUN
cjfa-3243	46	50	charges	charge	NOUN
cjfa-3243	46	51	in	in	ADP
cjfa-3243	46	52	loan	loan	NOUN
cjfa-3243	46	53	agreements	agreement	NOUN
cjfa-3243	46	54	which	which	PRON
cjfa-3243	46	55	increase	increase	VERB
cjfa-3243	46	56	debt	debt	NOUN
cjfa-3243	46	57	servicing	servicing	NOUN
cjfa-3243	46	58	costs	cost	NOUN
cjfa-3243	46	59	to	to	ADP
cjfa-3243	46	60	several	several	ADJ
cjfa-3243	46	61	hundreds	hundred	NOUN
cjfa-3243	46	62	or	or	CCONJ
cjfa-3243	46	63	even	even	ADV
cjfa-3243	46	64	thousands	thousand	NOUN
cjfa-3243	46	65	percent	percent	NOUN
cjfa-3243	46	66	annually	annually	ADV
cjfa-3243	46	67	.	.	PUNCT
cjfa-3243	47	1	another	another	DET
cjfa-3243	47	2	classification	classification	NOUN
cjfa-3243	47	3	criterion	criterion	NOUN
cjfa-3243	47	4	–	–	PUNCT
cjfa-3243	47	5	the	the	DET
cjfa-3243	47	6	form	form	NOUN
cjfa-3243	47	7	of	of	ADP
cjfa-3243	47	8	financial	financial	ADJ
cjfa-3243	47	9	services	service	NOUN
cjfa-3243	47	10	provision	provision	NOUN
cjfa-3243	47	11	–	–	PUNCT
cjfa-3243	47	12	is	be	AUX
cjfa-3243	47	13	used	use	VERB
cjfa-3243	47	14	to	to	PART
cjfa-3243	47	15	distinguish	distinguish	VERB
cjfa-3243	47	16	two	two	NUM
cjfa-3243	47	17	groups	group	NOUN
cjfa-3243	47	18	of	of	ADP
cjfa-3243	47	19	entities	entity	NOUN
cjfa-3243	47	20	representing	represent	VERB
cjfa-3243	47	21	shadow	shadow	NOUN
cjfa-3243	47	22	banking	banking	NOUN
cjfa-3243	47	23	sector	sector	NOUN
cjfa-3243	47	24	.	.	PUNCT
cjfa-3243	48	1	the	the	DET
cjfa-3243	48	2	first	first	ADJ
cjfa-3243	48	3	group	group	NOUN
cjfa-3243	48	4	renders	render	VERB
cjfa-3243	48	5	traditional	traditional	ADJ
cjfa-3243	48	6	services	service	NOUN
cjfa-3243	48	7	in	in	ADP
cjfa-3243	48	8	its	its	PRON
cjfa-3243	48	9	official	official	ADJ
cjfa-3243	48	10	agency	agency	NOUN
cjfa-3243	48	11	or	or	CCONJ
cjfa-3243	48	12	in	in	ADP
cjfa-3243	48	13	client	client	NOUN
cjfa-3243	48	14	’s	’s	PART
cjfa-3243	48	15	house	house	NOUN
cjfa-3243	48	16	,	,	PUNCT
cjfa-3243	48	17	while	while	SCONJ
cjfa-3243	48	18	the	the	DET
cjfa-3243	48	19	second	second	NOUN
cjfa-3243	48	20	provides	provide	VERB
cjfa-3243	48	21	electronic	electronic	ADJ
cjfa-3243	48	22	services	service	NOUN
cjfa-3243	48	23	,	,	PUNCT
cjfa-3243	48	24	i.e.	i.e.	X
cjfa-3243	48	25	by	by	ADP
cjfa-3243	48	26	means	mean	NOUN
cjfa-3243	48	27	of	of	ADP
cjfa-3243	48	28	the	the	DET
cjfa-3243	48	29	internet	internet	NOUN
cjfa-3243	48	30	.	.	PUNCT
cjfa-3243	49	1	in	in	ADP
cjfa-3243	49	2	the	the	DET
cjfa-3243	49	3	latter	latter	ADJ
cjfa-3243	49	4	case	case	NOUN
cjfa-3243	49	5	it	it	PRON
cjfa-3243	49	6	refers	refer	VERB
cjfa-3243	49	7	to	to	ADP
cjfa-3243	49	8	social	social	ADJ
cjfa-3243	49	9	lending	lending	NOUN
cjfa-3243	49	10	portals	portal	NOUN
cjfa-3243	49	11	(	(	PUNCT
cjfa-3243	49	12	peer	peer	NOUN
cjfa-3243	49	13	-	-	PUNCT
cjfa-3243	49	14	to	to	ADP
cjfa-3243	49	15	-	-	PUNCT
cjfa-3243	49	16	peer	peer	NOUN
cjfa-3243	49	17	lending	lending	NOUN
cjfa-3243	49	18	)	)	PUNCT
cjfa-3243	49	19	.	.	PUNCT
cjfa-3243	50	1	loans	loan	NOUN
cjfa-3243	50	2	are	be	AUX
cjfa-3243	50	3	mutually	mutually	ADV
cjfa-3243	50	4	granted	grant	VERB
cjfa-3243	50	5	by	by	ADP
cjfa-3243	50	6	an	an	DET
cjfa-3243	50	7	online	online	ADJ
cjfa-3243	50	8	functioning	function	VERB
cjfa-3243	50	9	community	community	NOUN
cjfa-3243	50	10	without	without	ADP
cjfa-3243	50	11	bank	bank	NOUN
cjfa-3243	50	12	intermediation	intermediation	NOUN
cjfa-3243	50	13	.	.	PUNCT
cjfa-3243	51	1	it	it	PRON
cjfa-3243	51	2	is	be	AUX
cjfa-3243	51	3	carried	carry	VERB
cjfa-3243	51	4	out	out	ADP
cjfa-3243	51	5	either	either	CCONJ
cjfa-3243	51	6	following	follow	VERB
cjfa-3243	51	7	the	the	DET
cjfa-3243	51	8	principle	principle	NOUN
cjfa-3243	51	9	of	of	ADP
cjfa-3243	51	10	one	one	NUM
cjfa-3243	51	11	creditor	creditor	NOUN
cjfa-3243	51	12	–	–	PUNCT
cjfa-3243	51	13	one	one	NUM
cjfa-3243	51	14	debtor	debtor	NOUN
cjfa-3243	51	15	,	,	PUNCT
cjfa-3243	51	16	or	or	CCONJ
cjfa-3243	51	17	according	accord	VERB
cjfa-3243	51	18	to	to	ADP
cjfa-3243	51	19	the	the	DET
cjfa-3243	51	20	pattern	pattern	NOUN
cjfa-3243	51	21	–	–	PUNCT
cjfa-3243	51	22	a	a	DET
cjfa-3243	51	23	given	give	VERB
cjfa-3243	51	24	creditor	creditor	NOUN
cjfa-3243	51	25	transfers	transfer	NOUN
cjfa-3243	51	26	the	the	DET
cjfa-3243	51	27	offered	offer	VERB
cjfa-3243	51	28	amount	amount	NOUN
cjfa-3243	51	29	to	to	ADP
cjfa-3243	51	30	a	a	DET
cjfa-3243	51	31	few	few	ADJ
cjfa-3243	51	32	different	different	ADJ
cjfa-3243	51	33	borrowers	borrower	NOUN
cjfa-3243	51	34	while	while	SCONJ
cjfa-3243	51	35	a	a	DET
cjfa-3243	51	36	particular	particular	ADJ
cjfa-3243	51	37	borrower	borrower	NOUN
cjfa-3243	51	38	,	,	PUNCT
cjfa-3243	51	39	having	having	AUX
cjfa-3243	51	40	entered	enter	VERB
cjfa-3243	51	41	the	the	DET
cjfa-3243	51	42	transaction	transaction	NOUN
cjfa-3243	51	43	,	,	PUNCT
cjfa-3243	51	44	becomes	become	VERB
cjfa-3243	51	45	the	the	DET
cjfa-3243	51	46	debtor	debtor	NOUN
cjfa-3243	51	47	of	of	ADP
cjfa-3243	51	48	a	a	DET
cjfa-3243	51	49	few	few	ADJ
cjfa-3243	51	50	individuals	individual	NOUN
cjfa-3243	51	51	simultaneously	simultaneously	ADV
cjfa-3243	51	52	.	.	PUNCT
cjfa-3243	52	1	the	the	DET
cjfa-3243	52	2	pioneer	pioneer	NOUN
cjfa-3243	52	3	service	service	NOUN
cjfa-3243	52	4	offering	offer	VERB
cjfa-3243	52	5	intermediation	intermediation	NOUN
cjfa-3243	52	6	in	in	ADP
cjfa-3243	52	7	peer	peer	NOUN
cjfa-3243	52	8	-	-	PUNCT
cjfa-3243	52	9	to	to	ADP
cjfa-3243	52	10	-	-	PUNCT
cjfa-3243	52	11	peer	peer	NOUN
cjfa-3243	52	12	lending	lending	NOUN
cjfa-3243	52	13	scheme	scheme	NOUN
cjfa-3243	52	14	was	be	AUX
cjfa-3243	52	15	called	call	VERB
cjfa-3243	52	16	zopa	zopa	NOUN
cjfa-3243	52	17	,	,	PUNCT
cjfa-3243	52	18	initiated	initiate	VERB
cjfa-3243	52	19	in	in	ADP
cjfa-3243	52	20	great	great	ADJ
cjfa-3243	52	21	britain	britain	PROPN
cjfa-3243	52	22	in	in	ADP
cjfa-3243	52	23	2005	2005	NUM
cjfa-3243	52	24	.	.	PUNCT
cjfa-3243	53	1	in	in	ADP
cjfa-3243	53	2	a	a	DET
cjfa-3243	53	3	short	short	ADJ
cjfa-3243	53	4	time	time	NOUN
cjfa-3243	53	5	it	it	PRON
cjfa-3243	53	6	gained	gain	VERB
cjfa-3243	53	7	numerous	numerous	ADJ
cjfa-3243	53	8	followers	follower	NOUN
cjfa-3243	53	9	,	,	PUNCT
cjfa-3243	53	10	also	also	ADV
cjfa-3243	53	11	in	in	ADP
cjfa-3243	53	12	poland	poland	PROPN
cjfa-3243	53	13	,	,	PUNCT
cjfa-3243	53	14	where	where	SCONJ
cjfa-3243	53	15	in	in	ADP
cjfa-3243	53	16	2007	2007	NUM
cjfa-3243	53	17	kokos.pl	kokos.pl	PRON
cjfa-3243	53	18	started	start	VERB
cjfa-3243	53	19	functioning	function	VERB
cjfa-3243	53	20	.	.	PUNCT
cjfa-3243	54	1	the	the	DET
cjfa-3243	54	2	importance	importance	NOUN
cjfa-3243	54	3	of	of	ADP
cjfa-3243	54	4	shadow	shadow	NOUN
cjfa-3243	54	5	banking	banking	NOUN
cjfa-3243	54	6	sector	sector	NOUN
cjfa-3243	54	7	entities	entity	NOUN
cjfa-3243	54	8	for	for	ADP
cjfa-3243	54	9	population	population	NOUN
cjfa-3243	54	10	193	193	NUM
cjfa-3243	54	11	its	its	PRON
cjfa-3243	54	12	owner	owner	NOUN
cjfa-3243	54	13	is	be	AUX
cjfa-3243	54	14	blue	blue	ADJ
cjfa-3243	54	15	media	medium	NOUN
cjfa-3243	54	16	joint	joint	ADJ
cjfa-3243	54	17	stock	stock	NOUN
cjfa-3243	54	18	company	company	NOUN
cjfa-3243	54	19	.	.	PUNCT
cjfa-3243	55	1	in	in	ADP
cjfa-3243	55	2	the	the	DET
cjfa-3243	55	3	course	course	NOUN
cjfa-3243	55	4	of	of	ADP
cjfa-3243	55	5	recent	recent	ADJ
cjfa-3243	55	6	years	year	NOUN
cjfa-3243	55	7	many	many	ADJ
cjfa-3243	55	8	portals	portal	NOUN
cjfa-3243	55	9	were	be	AUX
cjfa-3243	55	10	set	set	VERB
cjfa-3243	55	11	up	up	ADP
cjfa-3243	55	12	,	,	PUNCT
cjfa-3243	55	13	however	however	ADV
cjfa-3243	55	14	,	,	PUNCT
cjfa-3243	55	15	the	the	DET
cjfa-3243	55	16	vast	vast	ADJ
cjfa-3243	55	17	majority	majority	NOUN
cjfa-3243	55	18	were	be	AUX
cjfa-3243	55	19	finalizing	finalize	VERB
cjfa-3243	55	20	their	their	PRON
cjfa-3243	55	21	activities	activity	NOUN
cjfa-3243	55	22	relatively	relatively	ADV
cjfa-3243	55	23	quickly	quickly	ADV
cjfa-3243	55	24	,	,	PUNCT
cjfa-3243	55	25	so	so	SCONJ
cjfa-3243	55	26	that	that	SCONJ
cjfa-3243	55	27	the	the	DET
cjfa-3243	55	28	number	number	NOUN
cjfa-3243	55	29	of	of	ADP
cjfa-3243	55	30	active	active	ADJ
cjfa-3243	55	31	social	social	ADJ
cjfa-3243	55	32	lending	lending	NOUN
cjfa-3243	55	33	service	service	NOUN
cjfa-3243	55	34	ranged	range	VERB
cjfa-3243	55	35	approximately	approximately	ADV
cjfa-3243	55	36	from	from	ADP
cjfa-3243	55	37	5	5	NUM
cjfa-3243	55	38	to	to	PART
cjfa-3243	55	39	6	6	NUM
cjfa-3243	55	40	.	.	PUNCT
cjfa-3243	56	1	attention	attention	NOUN
cjfa-3243	56	2	should	should	AUX
cjfa-3243	56	3	be	be	AUX
cjfa-3243	56	4	paid	pay	VERB
cjfa-3243	56	5	to	to	ADP
cjfa-3243	56	6	pozycz.pl	pozycz.pl	PROPN
cjfa-3243	56	7	,	,	PUNCT
cjfa-3243	56	8	sekrata.pl	sekrata.pl	PROPN
cjfa-3243	56	9	or	or	CCONJ
cjfa-3243	56	10	zakra.pl	zakra.pl	NUM
cjfa-3243	56	11	.	.	PUNCT
cjfa-3243	57	1	3	3	X
cjfa-3243	57	2	.	.	X
cjfa-3243	57	3	people	people	NOUN
cjfa-3243	57	4	affected	affect	VERB
cjfa-3243	57	5	by	by	ADP
cjfa-3243	57	6	credit	credit	NOUN
cjfa-3243	57	7	exclusion	exclusion	NOUN
cjfa-3243	57	8	as	as	ADP
cjfa-3243	57	9	clients	client	NOUN
cjfa-3243	57	10	of	of	ADP
cjfa-3243	57	11	entities	entity	NOUN
cjfa-3243	57	12	representing	represent	VERB
cjfa-3243	57	13	shadow	shadow	NOUN
cjfa-3243	57	14	banking	banking	NOUN
cjfa-3243	57	15	sector	sector	NOUN
cjfa-3243	57	16	the	the	DET
cjfa-3243	57	17	experts	expert	NOUN
cjfa-3243	57	18	from	from	ADP
cjfa-3243	57	19	the	the	DET
cjfa-3243	57	20	european	european	PROPN
cjfa-3243	57	21	commission	commission	PROPN
cjfa-3243	57	22	in	in	ADP
cjfa-3243	57	23	their	their	PRON
cjfa-3243	57	24	document	document	NOUN
cjfa-3243	57	25	entitled	entitle	VERB
cjfa-3243	57	26	financial	financial	ADJ
cjfa-3243	57	27	services	service	NOUN
cjfa-3243	57	28	provision	provision	NOUN
cjfa-3243	57	29	and	and	CCONJ
cjfa-3243	57	30	prevention	prevention	NOUN
cjfa-3243	57	31	of	of	ADP
cjfa-3243	57	32	financial	financial	ADJ
cjfa-3243	57	33	exclusion	exclusion	NOUN
cjfa-3243	57	34	have	have	AUX
cjfa-3243	57	35	presented	present	VERB
cjfa-3243	57	36	the	the	DET
cjfa-3243	57	37	definition	definition	NOUN
cjfa-3243	57	38	of	of	ADP
cjfa-3243	57	39	financial	financial	ADJ
cjfa-3243	57	40	exclusion	exclusion	NOUN
cjfa-3243	57	41	.	.	PUNCT
cjfa-3243	58	1	according	accord	VERB
cjfa-3243	58	2	to	to	ADP
cjfa-3243	58	3	them	they	PRON
cjfa-3243	58	4	it	it	PRON
cjfa-3243	58	5	refers	refer	VERB
cjfa-3243	58	6	to	to	ADP
cjfa-3243	58	7	the	the	DET
cjfa-3243	58	8	process	process	NOUN
cjfa-3243	58	9	which	which	PRON
cjfa-3243	58	10	affects	affect	VERB
cjfa-3243	58	11	people	people	NOUN
cjfa-3243	58	12	who	who	PRON
cjfa-3243	58	13	experience	experience	VERB
cjfa-3243	58	14	problems	problem	NOUN
cjfa-3243	58	15	in	in	ADP
cjfa-3243	58	16	accessing	access	VERB
cjfa-3243	58	17	and/or	and/or	CCONJ
cjfa-3243	58	18	using	use	VERB
cjfa-3243	58	19	financial	financial	ADJ
cjfa-3243	58	20	products	product	NOUN
cjfa-3243	58	21	and	and	CCONJ
cjfa-3243	58	22	services	service	NOUN
cjfa-3243	58	23	at	at	ADP
cjfa-3243	58	24	the	the	DET
cjfa-3243	58	25	mainstream	mainstream	NOUN
cjfa-3243	58	26	market	market	NOUN
cjfa-3243	58	27	which	which	PRON
cjfa-3243	58	28	are	be	AUX
cjfa-3243	58	29	adequate	adequate	ADJ
cjfa-3243	58	30	for	for	ADP
cjfa-3243	58	31	their	their	PRON
cjfa-3243	58	32	needs	need	NOUN
cjfa-3243	58	33	and	and	CCONJ
cjfa-3243	58	34	support	support	VERB
cjfa-3243	58	35	them	they	PRON
cjfa-3243	58	36	in	in	ADP
cjfa-3243	58	37	living	live	VERB
cjfa-3243	58	38	a	a	DET
cjfa-3243	58	39	normal	normal	ADJ
cjfa-3243	58	40	life	life	NOUN
cjfa-3243	58	41	in	in	ADP
cjfa-3243	58	42	a	a	DET
cjfa-3243	58	43	society	society	NOUN
cjfa-3243	58	44	(	(	PUNCT
cjfa-3243	58	45	anderloni	anderloni	NOUN
cjfa-3243	58	46	2008	2008	NUM
cjfa-3243	58	47	)	)	PUNCT
cjfa-3243	58	48	.	.	PUNCT
cjfa-3243	59	1	among	among	ADP
cjfa-3243	59	2	the	the	DET
cjfa-3243	59	3	areas	area	NOUN
cjfa-3243	59	4	of	of	ADP
cjfa-3243	59	5	exclusion	exclusion	NOUN
cjfa-3243	59	6	understood	understand	VERB
cjfa-3243	59	7	in	in	ADP
cjfa-3243	59	8	such	such	ADJ
cjfa-3243	59	9	way	way	NOUN
cjfa-3243	59	10	credit	credit	NOUN
cjfa-3243	59	11	exclusion	exclusion	NOUN
cjfa-3243	59	12	can	can	AUX
cjfa-3243	59	13	be	be	AUX
cjfa-3243	59	14	distinguished	distinguish	VERB
cjfa-3243	59	15	and	and	CCONJ
cjfa-3243	59	16	referred	refer	VERB
cjfa-3243	59	17	to	to	ADP
cjfa-3243	59	18	the	the	DET
cjfa-3243	59	19	inability	inability	NOUN
cjfa-3243	59	20	of	of	ADP
cjfa-3243	59	21	taking	take	VERB
cjfa-3243	59	22	out	out	ADP
cjfa-3243	59	23	a	a	DET
cjfa-3243	59	24	lawn	lawn	NOUN
cjfa-3243	59	25	.	.	PUNCT
cjfa-3243	60	1	additionally	additionally	ADV
cjfa-3243	60	2	,	,	PUNCT
cjfa-3243	60	3	it	it	PRON
cjfa-3243	60	4	should	should	AUX
cjfa-3243	60	5	be	be	AUX
cjfa-3243	60	6	emphasized	emphasize	VERB
cjfa-3243	60	7	that	that	SCONJ
cjfa-3243	60	8	the	the	DET
cjfa-3243	60	9	authors	author	NOUN
cjfa-3243	60	10	of	of	ADP
cjfa-3243	60	11	the	the	DET
cjfa-3243	60	12	quoted	quote	VERB
cjfa-3243	60	13	study	study	NOUN
cjfa-3243	60	14	refer	refer	VERB
cjfa-3243	60	15	the	the	DET
cjfa-3243	60	16	problem	problem	NOUN
cjfa-3243	60	17	of	of	ADP
cjfa-3243	60	18	financial	financial	ADJ
cjfa-3243	60	19	exclusion	exclusion	NOUN
cjfa-3243	60	20	only	only	ADV
cjfa-3243	60	21	to	to	ADP
cjfa-3243	60	22	the	the	DET
cjfa-3243	60	23	formally	formally	ADV
cjfa-3243	60	24	functioning	function	VERB
cjfa-3243	60	25	and	and	CCONJ
cjfa-3243	60	26	state	state	NOUN
cjfa-3243	60	27	supervised	supervise	VERB
cjfa-3243	60	28	financial	financial	ADJ
cjfa-3243	60	29	institutions	institution	NOUN
cjfa-3243	60	30	disregarding	disregard	VERB
cjfa-3243	60	31	,	,	PUNCT
cjfa-3243	60	32	at	at	ADP
cjfa-3243	60	33	the	the	DET
cjfa-3243	60	34	same	same	ADJ
cjfa-3243	60	35	time	time	NOUN
cjfa-3243	60	36	,	,	PUNCT
cjfa-3243	60	37	issues	issue	NOUN
cjfa-3243	60	38	related	relate	VERB
cjfa-3243	60	39	to	to	ADP
cjfa-3243	60	40	alternative	alternative	ADJ
cjfa-3243	60	41	financial	financial	ADJ
cjfa-3243	60	42	services	service	NOUN
cjfa-3243	60	43	providers	provider	NOUN
cjfa-3243	60	44	.	.	PUNCT
cjfa-3243	61	1	therefore	therefore	ADV
cjfa-3243	61	2	,	,	PUNCT
cjfa-3243	61	3	those	those	DET
cjfa-3243	61	4	individuals	individual	NOUN
cjfa-3243	61	5	who	who	PRON
cjfa-3243	61	6	are	be	AUX
cjfa-3243	61	7	not	not	PART
cjfa-3243	61	8	able	able	ADJ
cjfa-3243	61	9	to	to	PART
cjfa-3243	61	10	obtain	obtain	VERB
cjfa-3243	61	11	a	a	DET
cjfa-3243	61	12	bank	bank	NOUN
cjfa-3243	61	13	credit	credit	NOUN
cjfa-3243	61	14	,	,	PUNCT
cjfa-3243	61	15	however	however	ADV
cjfa-3243	61	16	,	,	PUNCT
cjfa-3243	61	17	take	take	VERB
cjfa-3243	61	18	advantage	advantage	NOUN
cjfa-3243	61	19	of	of	ADP
cjfa-3243	61	20	products	product	NOUN
cjfa-3243	61	21	and	and	CCONJ
cjfa-3243	61	22	services	service	NOUN
cjfa-3243	61	23	offered	offer	VERB
cjfa-3243	61	24	by	by	ADP
cjfa-3243	61	25	shadow	shadow	NOUN
cjfa-3243	61	26	banking	banking	NOUN
cjfa-3243	61	27	sector	sector	NOUN
cjfa-3243	61	28	,	,	PUNCT
cjfa-3243	61	29	are	be	AUX
cjfa-3243	61	30	included	include	VERB
cjfa-3243	61	31	in	in	ADP
cjfa-3243	61	32	the	the	DET
cjfa-3243	61	33	group	group	NOUN
cjfa-3243	61	34	of	of	ADP
cjfa-3243	61	35	population	population	NOUN
cjfa-3243	61	36	affected	affect	VERB
cjfa-3243	61	37	by	by	ADP
cjfa-3243	61	38	credit	credit	NOUN
cjfa-3243	61	39	exclusion	exclusion	NOUN
cjfa-3243	61	40	.	.	PUNCT
cjfa-3243	62	1	people	people	NOUN
cjfa-3243	62	2	who	who	PRON
cjfa-3243	62	3	have	have	AUX
cjfa-3243	62	4	been	be	AUX
cjfa-3243	62	5	excluded	exclude	VERB
cjfa-3243	62	6	by	by	ADP
cjfa-3243	62	7	banks	bank	NOUN
cjfa-3243	62	8	,	,	PUNCT
cjfa-3243	62	9	owing	owe	VERB
cjfa-3243	62	10	to	to	ADP
cjfa-3243	62	11	their	their	PRON
cjfa-3243	62	12	insufficient	insufficient	ADJ
cjfa-3243	62	13	creditworthiness	creditworthiness	NOUN
cjfa-3243	62	14	(	(	PUNCT
cjfa-3243	62	15	low	low	ADJ
cjfa-3243	62	16	income	income	NOUN
cjfa-3243	62	17	households	household	NOUN
cjfa-3243	62	18	)	)	PUNCT
cjfa-3243	62	19	,	,	PUNCT
cjfa-3243	62	20	or	or	CCONJ
cjfa-3243	62	21	due	due	ADP
cjfa-3243	62	22	to	to	ADP
cjfa-3243	62	23	negative	negative	ADJ
cjfa-3243	62	24	history	history	NOUN
cjfa-3243	62	25	of	of	ADP
cjfa-3243	62	26	previously	previously	ADV
cjfa-3243	62	27	contracted	contract	VERB
cjfa-3243	62	28	debts	debt	NOUN
cjfa-3243	62	29	repayment	repayment	NOUN
cjfa-3243	62	30	,	,	PUNCT
cjfa-3243	62	31	represent	represent	VERB
cjfa-3243	62	32	crucial	crucial	ADJ
cjfa-3243	62	33	clients	client	NOUN
cjfa-3243	62	34	of	of	ADP
cjfa-3243	62	35	the	the	DET
cjfa-3243	62	36	alternative	alternative	ADJ
cjfa-3243	62	37	loan	loan	NOUN
cjfa-3243	62	38	providing	provide	VERB
cjfa-3243	62	39	institutions	institution	NOUN
cjfa-3243	62	40	.	.	PUNCT
cjfa-3243	63	1	state	state	NOUN
cjfa-3243	63	2	authorities	authority	NOUN
cjfa-3243	63	3	,	,	PUNCT
cjfa-3243	63	4	for	for	ADP
cjfa-3243	63	5	the	the	DET
cjfa-3243	63	6	sake	sake	NOUN
cjfa-3243	63	7	of	of	ADP
cjfa-3243	63	8	financial	financial	ADJ
cjfa-3243	63	9	system	system	NOUN
cjfa-3243	63	10	stability	stability	NOUN
cjfa-3243	63	11	,	,	PUNCT
cjfa-3243	63	12	and	and	CCONJ
cjfa-3243	63	13	mainly	mainly	ADV
cjfa-3243	63	14	as	as	ADP
cjfa-3243	63	15	the	the	DET
cjfa-3243	63	16	result	result	NOUN
cjfa-3243	63	17	of	of	ADP
cjfa-3243	63	18	financial	financial	ADJ
cjfa-3243	63	19	crisis	crisis	NOUN
cjfa-3243	63	20	,	,	PUNCT
cjfa-3243	63	21	have	have	AUX
cjfa-3243	63	22	introduced	introduce	VERB
cjfa-3243	63	23	more	more	ADV
cjfa-3243	63	24	stringent	stringent	ADJ
cjfa-3243	63	25	prudential	prudential	ADJ
cjfa-3243	63	26	standards	standard	NOUN
cjfa-3243	63	27	.	.	PUNCT
cjfa-3243	64	1	such	such	ADJ
cjfa-3243	64	2	legislation	legislation	NOUN
cjfa-3243	64	3	,	,	PUNCT
cjfa-3243	64	4	instead	instead	ADV
cjfa-3243	64	5	of	of	ADP
cjfa-3243	64	6	protecting	protect	VERB
cjfa-3243	64	7	client	client	NOUN
cjfa-3243	64	8	’s	’s	PART
cjfa-3243	64	9	interests	interest	NOUN
cjfa-3243	64	10	,	,	PUNCT
cjfa-3243	64	11	frequently	frequently	ADV
cjfa-3243	64	12	and	and	CCONJ
cjfa-3243	64	13	paradoxically	paradoxically	ADV
cjfa-3243	64	14	pushes	push	VERB
cjfa-3243	64	15	him	he	PRON
cjfa-3243	64	16	/	/	SYM
cjfa-3243	64	17	her	she	PRON
cjfa-3243	64	18	into	into	ADP
cjfa-3243	64	19	the	the	DET
cjfa-3243	64	20	trap	trap	NOUN
cjfa-3243	64	21	of	of	ADP
cjfa-3243	64	22	indebtedness	indebtedness	NOUN
cjfa-3243	64	23	.	.	PUNCT
cjfa-3243	65	1	a	a	DET
cjfa-3243	65	2	person	person	NOUN
cjfa-3243	65	3	who	who	PRON
cjfa-3243	65	4	has	have	VERB
cjfa-3243	65	5	low	low	ADJ
cjfa-3243	65	6	income	income	NOUN
cjfa-3243	65	7	,	,	PUNCT
cjfa-3243	65	8	or	or	CCONJ
cjfa-3243	65	9	obtains	obtain	VERB
cjfa-3243	65	10	income	income	NOUN
cjfa-3243	65	11	from	from	ADP
cjfa-3243	65	12	an	an	DET
cjfa-3243	65	13	undeclared	undeclared	ADJ
cjfa-3243	65	14	work	work	NOUN
cjfa-3243	65	15	does	do	AUX
cjfa-3243	65	16	not	not	PART
cjfa-3243	65	17	represent	represent	VERB
cjfa-3243	65	18	a	a	DET
cjfa-3243	65	19	trustworthy	trustworthy	ADJ
cjfa-3243	65	20	partner	partner	NOUN
cjfa-3243	65	21	for	for	ADP
cjfa-3243	65	22	banks	bank	NOUN
cjfa-3243	65	23	.	.	PUNCT
cjfa-3243	66	1	and	and	CCONJ
cjfa-3243	66	2	it	it	PRON
cjfa-3243	66	3	is	be	AUX
cjfa-3243	66	4	such	such	ADJ
cjfa-3243	66	5	population	population	NOUN
cjfa-3243	66	6	–	–	PUNCT
cjfa-3243	66	7	financially	financially	ADV
cjfa-3243	66	8	excluded	exclude	VERB
cjfa-3243	66	9	–	–	PUNCT
cjfa-3243	66	10	which	which	PRON
cjfa-3243	66	11	constitutes	constitute	VERB
cjfa-3243	66	12	core	core	ADJ
cjfa-3243	66	13	clientele	clientele	NOUN
cjfa-3243	66	14	of	of	ADP
cjfa-3243	66	15	alternative	alternative	ADJ
cjfa-3243	66	16	financial	financial	ADJ
cjfa-3243	66	17	services	service	NOUN
cjfa-3243	66	18	providers	provider	NOUN
cjfa-3243	66	19	.	.	PUNCT
cjfa-3243	67	1	this	this	DET
cjfa-3243	67	2	group	group	NOUN
cjfa-3243	67	3	often	often	ADV
cjfa-3243	67	4	covers	cover	VERB
cjfa-3243	67	5	low	low	ADJ
cjfa-3243	67	6	educated	educate	VERB
cjfa-3243	67	7	individuals	individual	NOUN
cjfa-3243	67	8	,	,	PUNCT
cjfa-3243	67	9	from	from	ADP
cjfa-3243	67	10	smaller	small	ADJ
cjfa-3243	67	11	locations	location	NOUN
cjfa-3243	67	12	and	and	CCONJ
cjfa-3243	67	13	affected	affect	VERB
cjfa-3243	67	14	to	to	ADP
cjfa-3243	67	15	a	a	DET
cjfa-3243	67	16	greater	great	ADJ
cjfa-3243	67	17	extent	extent	NOUN
cjfa-3243	67	18	by	by	ADP
cjfa-3243	67	19	the	the	DET
cjfa-3243	67	20	job	job	NOUN
cjfa-3243	67	21	market	market	NOUN
cjfa-3243	67	22	problems	problem	NOUN
cjfa-3243	67	23	(	(	PUNCT
cjfa-3243	67	24	białowolski	białowolski	NOUN
cjfa-3243	67	25	2012	2012	NUM
cjfa-3243	67	26	)	)	PUNCT
cjfa-3243	67	27	.	.	PUNCT
cjfa-3243	68	1	małgorzata	małgorzata	PROPN
cjfa-3243	68	2	solarz194	solarz194	PROPN
cjfa-3243	68	3	among	among	ADP
cjfa-3243	68	4	clients	client	NOUN
cjfa-3243	68	5	there	there	PRON
cjfa-3243	68	6	are	be	VERB
cjfa-3243	68	7	also	also	ADV
cjfa-3243	68	8	those	those	PRON
cjfa-3243	68	9	who	who	PRON
cjfa-3243	68	10	could	could	AUX
cjfa-3243	68	11	take	take	VERB
cjfa-3243	68	12	a	a	DET
cjfa-3243	68	13	bank	bank	NOUN
cjfa-3243	68	14	credit	credit	NOUN
cjfa-3243	68	15	without	without	ADP
cjfa-3243	68	16	any	any	DET
cjfa-3243	68	17	problem	problem	NOUN
cjfa-3243	68	18	,	,	PUNCT
cjfa-3243	68	19	however	however	ADV
cjfa-3243	68	20	,	,	PUNCT
cjfa-3243	68	21	they	they	PRON
cjfa-3243	68	22	decide	decide	VERB
cjfa-3243	68	23	to	to	PART
cjfa-3243	68	24	apply	apply	VERB
cjfa-3243	68	25	for	for	ADP
cjfa-3243	68	26	a	a	DET
cjfa-3243	68	27	loan	loan	NOUN
cjfa-3243	68	28	at	at	ADP
cjfa-3243	68	29	alternative	alternative	ADJ
cjfa-3243	68	30	intermediaries	intermediary	NOUN
cjfa-3243	68	31	.	.	PUNCT
cjfa-3243	69	1	the	the	DET
cjfa-3243	69	2	explanation	explanation	NOUN
cjfa-3243	69	3	seems	seem	VERB
cjfa-3243	69	4	to	to	PART
cjfa-3243	69	5	be	be	AUX
cjfa-3243	69	6	the	the	DET
cjfa-3243	69	7	lack	lack	NOUN
cjfa-3243	69	8	of	of	ADP
cjfa-3243	69	9	knowledge	knowledge	NOUN
cjfa-3243	69	10	.	.	PUNCT
cjfa-3243	70	1	the	the	DET
cjfa-3243	70	2	research	research	NOUN
cjfa-3243	70	3	conducted	conduct	VERB
cjfa-3243	70	4	for	for	ADP
cjfa-3243	70	5	kronenberg	kronenberg	PROPN
cjfa-3243	70	6	foundation	foundation	PROPN
cjfa-3243	70	7	confirms	confirm	VERB
cjfa-3243	70	8	that	that	SCONJ
cjfa-3243	70	9	the	the	DET
cjfa-3243	70	10	level	level	NOUN
cjfa-3243	70	11	of	of	ADP
cjfa-3243	70	12	financial	financial	ADJ
cjfa-3243	70	13	capability	capability	NOUN
cjfa-3243	70	14	represented	represent	VERB
cjfa-3243	70	15	by	by	ADP
cjfa-3243	70	16	polish	polish	ADJ
cjfa-3243	70	17	population	population	NOUN
cjfa-3243	70	18	is	be	AUX
cjfa-3243	70	19	poor	poor	ADJ
cjfa-3243	70	20	(	(	PUNCT
cjfa-3243	70	21	maison	maison	NOUN
cjfa-3243	70	22	2013	2013	NUM
cjfa-3243	70	23	)	)	PUNCT
cjfa-3243	70	24	and	and	CCONJ
cjfa-3243	70	25	decreases	decrease	NOUN
cjfa-3243	70	26	proportionally	proportionally	ADV
cjfa-3243	70	27	to	to	ADP
cjfa-3243	70	28	respondents	respondent	NOUN
cjfa-3243	70	29	’	'	PUNCT
cjfa-3243	70	30	aging	aging	NOUN
cjfa-3243	70	31	.	.	PUNCT
cjfa-3243	71	1	pensioners	pensioner	NOUN
cjfa-3243	71	2	,	,	PUNCT
cjfa-3243	71	3	who	who	PRON
cjfa-3243	71	4	frequently	frequently	ADV
cjfa-3243	71	5	become	become	VERB
cjfa-3243	71	6	customers	customer	NOUN
cjfa-3243	71	7	of	of	ADP
cjfa-3243	71	8	alternative	alternative	ADJ
cjfa-3243	71	9	financial	financial	ADJ
cjfa-3243	71	10	services	service	NOUN
cjfa-3243	71	11	providers	provider	NOUN
cjfa-3243	71	12	,	,	PUNCT
cjfa-3243	71	13	rarely	rarely	ADV
cjfa-3243	71	14	compare	compare	VERB
cjfa-3243	71	15	offers	offer	NOUN
cjfa-3243	71	16	of	of	ADP
cjfa-3243	71	17	several	several	ADJ
cjfa-3243	71	18	institutions	institution	NOUN
cjfa-3243	71	19	in	in	ADP
cjfa-3243	71	20	order	order	NOUN
cjfa-3243	71	21	to	to	PART
cjfa-3243	71	22	select	select	VERB
cjfa-3243	71	23	the	the	DET
cjfa-3243	71	24	most	most	ADV
cjfa-3243	71	25	favourable	favourable	ADJ
cjfa-3243	71	26	one	one	NUM
cjfa-3243	71	27	.	.	PUNCT
cjfa-3243	72	1	this	this	PRON
cjfa-3243	72	2	would	would	AUX
cjfa-3243	72	3	require	require	VERB
cjfa-3243	72	4	paying	pay	VERB
cjfa-3243	72	5	a	a	DET
cjfa-3243	72	6	visit	visit	NOUN
cjfa-3243	72	7	in	in	ADP
cjfa-3243	72	8	a	a	DET
cjfa-3243	72	9	few	few	ADJ
cjfa-3243	72	10	banks	bank	NOUN
cjfa-3243	72	11	or	or	CCONJ
cjfa-3243	72	12	checking	check	VERB
cjfa-3243	72	13	several	several	ADJ
cjfa-3243	72	14	websites	website	NOUN
cjfa-3243	72	15	and	and	CCONJ
cjfa-3243	72	16	additionally	additionally	ADV
cjfa-3243	72	17	,	,	PUNCT
cjfa-3243	72	18	in	in	ADP
cjfa-3243	72	19	the	the	DET
cjfa-3243	72	20	latter	latter	ADJ
cjfa-3243	72	21	case	case	NOUN
cjfa-3243	72	22	,	,	PUNCT
cjfa-3243	72	23	the	the	DET
cjfa-3243	72	24	problem	problem	NOUN
cjfa-3243	72	25	of	of	ADP
cjfa-3243	72	26	senior	senior	ADJ
cjfa-3243	72	27	citizens	citizen	NOUN
cjfa-3243	72	28	digital	digital	ADJ
cjfa-3243	72	29	exclusion	exclusion	NOUN
cjfa-3243	72	30	becomes	become	VERB
cjfa-3243	72	31	visible	visible	ADJ
cjfa-3243	72	32	(	(	PUNCT
cjfa-3243	72	33	only	only	ADV
cjfa-3243	72	34	10,6	10,6	NUM
cjfa-3243	72	35	%	%	NOUN
cjfa-3243	72	36	of	of	ADP
cjfa-3243	72	37	poles	pole	NOUN
cjfa-3243	72	38	over	over	ADP
cjfa-3243	72	39	65	65	NUM
cjfa-3243	72	40	years	year	NOUN
cjfa-3243	72	41	of	of	ADP
cjfa-3243	72	42	age	age	NOUN
cjfa-3243	72	43	were	be	AUX
cjfa-3243	72	44	using	use	VERB
cjfa-3243	72	45	the	the	DET
cjfa-3243	72	46	internet	internet	NOUN
cjfa-3243	72	47	in	in	ADP
cjfa-3243	72	48	2011	2011	NUM
cjfa-3243	72	49	(	(	PUNCT
cjfa-3243	72	50	czapiński	czapiński	ADJ
cjfa-3243	72	51	,	,	PUNCT
cjfa-3243	72	52	panek	panek	ADJ
cjfa-3243	72	53	2012	2012	NUM
cjfa-3243	72	54	)	)	PUNCT
cjfa-3243	72	55	.	.	PUNCT
cjfa-3243	73	1	many	many	ADJ
cjfa-3243	73	2	elderly	elderly	ADJ
cjfa-3243	73	3	persons	person	NOUN
cjfa-3243	73	4	claim	claim	VERB
cjfa-3243	73	5	that	that	SCONJ
cjfa-3243	73	6	they	they	PRON
cjfa-3243	73	7	feel	feel	VERB
cjfa-3243	73	8	much	much	ADV
cjfa-3243	73	9	more	more	ADV
cjfa-3243	73	10	comfortable	comfortable	ADJ
cjfa-3243	73	11	when	when	SCONJ
cjfa-3243	73	12	an	an	DET
cjfa-3243	73	13	agent	agent	NOUN
cjfa-3243	73	14	visits	visit	VERB
cjfa-3243	73	15	them	they	PRON
cjfa-3243	73	16	at	at	ADP
cjfa-3243	73	17	home	home	NOUN
cjfa-3243	73	18	and	and	CCONJ
cjfa-3243	73	19	in	in	ADP
cjfa-3243	73	20	such	such	ADJ
cjfa-3243	73	21	circumstances	circumstance	NOUN
cjfa-3243	73	22	the	the	DET
cjfa-3243	73	23	costs	cost	NOUN
cjfa-3243	73	24	of	of	ADP
cjfa-3243	73	25	taking	take	VERB
cjfa-3243	73	26	out	out	ADP
cjfa-3243	73	27	a	a	DET
cjfa-3243	73	28	loan	loan	NOUN
cjfa-3243	73	29	become	become	VERB
cjfa-3243	73	30	less	less	ADV
cjfa-3243	73	31	important	important	ADJ
cjfa-3243	73	32	.	.	PUNCT
cjfa-3243	74	1	and	and	CCONJ
cjfa-3243	74	2	it	it	PRON
cjfa-3243	74	3	is	be	AUX
cjfa-3243	74	4	,	,	PUNCT
cjfa-3243	74	5	indeed	indeed	ADV
cjfa-3243	74	6	,	,	PUNCT
cjfa-3243	74	7	the	the	DET
cjfa-3243	74	8	sense	sense	NOUN
cjfa-3243	74	9	of	of	ADP
cjfa-3243	74	10	security	security	NOUN
cjfa-3243	74	11	that	that	PRON
cjfa-3243	74	12	such	such	ADJ
cjfa-3243	74	13	loan	loan	NOUN
cjfa-3243	74	14	offering	offer	VERB
cjfa-3243	74	15	companies	company	NOUN
cjfa-3243	74	16	as	as	SCONJ
cjfa-3243	74	17	e.g.	e.g.	ADV
cjfa-3243	74	18	provident	provident	ADJ
cjfa-3243	74	19	take	take	VERB
cjfa-3243	74	20	advantage	advantage	NOUN
cjfa-3243	74	21	of	of	ADP
cjfa-3243	74	22	in	in	ADP
cjfa-3243	74	23	their	their	PRON
cjfa-3243	74	24	activities	activity	NOUN
cjfa-3243	74	25	.	.	PUNCT
cjfa-3243	75	1	in	in	ADP
cjfa-3243	75	2	accordance	accordance	NOUN
cjfa-3243	75	3	with	with	ADP
cjfa-3243	75	4	data	datum	NOUN
cjfa-3243	75	5	collected	collect	VERB
cjfa-3243	75	6	by	by	ADP
cjfa-3243	75	7	the	the	DET
cjfa-3243	75	8	world	world	PROPN
cjfa-3243	75	9	bank	bank	PROPN
cjfa-3243	75	10	in	in	ADP
cjfa-3243	75	11	148	148	NUM
cjfa-3243	75	12	countries	country	NOUN
cjfa-3243	75	13	the	the	DET
cjfa-3243	75	14	number	number	NOUN
cjfa-3243	75	15	of	of	ADP
cjfa-3243	75	16	people	people	NOUN
cjfa-3243	75	17	,	,	PUNCT
cjfa-3243	75	18	who	who	PRON
cjfa-3243	75	19	in	in	ADP
cjfa-3243	75	20	2011	2011	NUM
cjfa-3243	75	21	took	take	VERB
cjfa-3243	75	22	out	out	ADP
cjfa-3243	75	23	a	a	DET
cjfa-3243	75	24	loan	loan	NOUN
cjfa-3243	75	25	,	,	PUNCT
cjfa-3243	75	26	amounted	amount	VERB
cjfa-3243	75	27	to	to	ADP
cjfa-3243	75	28	33,8	33,8	NUM
cjfa-3243	75	29	%	%	NOUN
cjfa-3243	75	30	.	.	PUNCT
cjfa-3243	76	1	the	the	DET
cjfa-3243	76	2	majority	majority	NOUN
cjfa-3243	76	3	of	of	ADP
cjfa-3243	76	4	respondents	respondent	NOUN
cjfa-3243	76	5	refer	refer	VERB
cjfa-3243	76	6	to	to	ADP
cjfa-3243	76	7	friends	friend	NOUN
cjfa-3243	76	8	and	and	CCONJ
cjfa-3243	76	9	family	family	NOUN
cjfa-3243	76	10	for	for	ADP
cjfa-3243	76	11	financial	financial	ADJ
cjfa-3243	76	12	support	support	NOUN
cjfa-3243	76	13	–	–	PUNCT
cjfa-3243	76	14	22,7	22,7	NUM
cjfa-3243	76	15	%	%	NOUN
cjfa-3243	76	16	,	,	PUNCT
cjfa-3243	76	17	next	next	ADJ
cjfa-3243	76	18	in	in	ADP
cjfa-3243	76	19	line	line	NOUN
cjfa-3243	76	20	are	be	AUX
cjfa-3243	76	21	loans	loan	NOUN
cjfa-3243	76	22	offered	offer	VERB
cjfa-3243	76	23	by	by	ADP
cjfa-3243	76	24	mainstream	mainstream	ADJ
cjfa-3243	76	25	financial	financial	ADJ
cjfa-3243	76	26	institutions	institution	NOUN
cjfa-3243	76	27	–	–	PUNCT
cjfa-3243	76	28	9,1	9,1	NUM
cjfa-3243	76	29	%	%	NOUN
cjfa-3243	76	30	and	and	CCONJ
cjfa-3243	76	31	private	private	ADJ
cjfa-3243	76	32	creditors	creditor	NOUN
cjfa-3243	76	33	are	be	AUX
cjfa-3243	76	34	ranked	rank	VERB
cjfa-3243	76	35	as	as	ADP
cjfa-3243	76	36	the	the	DET
cjfa-3243	76	37	third	third	ADJ
cjfa-3243	76	38	–	–	PUNCT
cjfa-3243	76	39	3,4	3,4	NUM
cjfa-3243	76	40	%	%	NOUN
cjfa-3243	76	41	.	.	PUNCT
cjfa-3243	77	1	these	these	DET
cjfa-3243	77	2	figures	figure	NOUN
cjfa-3243	77	3	differ	differ	VERB
cjfa-3243	77	4	depending	depend	VERB
cjfa-3243	77	5	on	on	ADP
cjfa-3243	77	6	the	the	DET
cjfa-3243	77	7	world	world	NOUN
cjfa-3243	77	8	region	region	NOUN
cjfa-3243	77	9	(	(	PUNCT
cjfa-3243	77	10	chart	chart	NOUN
cjfa-3243	77	11	1	1	NUM
cjfa-3243	77	12	)	)	PUNCT
cjfa-3243	77	13	.	.	PUNCT
cjfa-3243	78	1	additionally	additionally	ADV
cjfa-3243	78	2	,	,	PUNCT
cjfa-3243	78	3	following	follow	VERB
cjfa-3243	78	4	fsb	fsb	ADJ
cjfa-3243	78	5	estimations	estimation	NOUN
cjfa-3243	78	6	the	the	DET
cjfa-3243	78	7	size	size	NOUN
cjfa-3243	78	8	of	of	ADP
cjfa-3243	78	9	shadow	shadow	NOUN
cjfa-3243	78	10	banking	banking	NOUN
cjfa-3243	78	11	sector	sector	NOUN
cjfa-3243	78	12	entities	entity	NOUN
cjfa-3243	78	13	in	in	ADP
cjfa-3243	78	14	2010	2010	NUM
cjfa-3243	78	15	presented	present	VERB
cjfa-3243	78	16	the	the	DET
cjfa-3243	78	17	level	level	NOUN
cjfa-3243	78	18	of	of	ADP
cjfa-3243	78	19	46	46	NUM
cjfa-3243	78	20	000	000	NUM
cjfa-3243	78	21	billion	billion	NUM
cjfa-3243	78	22	euro	euro	NOUN
cjfa-3243	78	23	,	,	PUNCT
cjfa-3243	78	24	i.e.	i.e.	X
cjfa-3243	78	25	half	half	NOUN
cjfa-3243	78	26	of	of	ADP
cjfa-3243	78	27	total	total	ADJ
cjfa-3243	78	28	bank	bank	NOUN
cjfa-3243	78	29	assets	asset	NOUN
cjfa-3243	78	30	(	(	PUNCT
cjfa-3243	78	31	shadow	shadow	NOUN
cjfa-3243	78	32	banking	bank	VERB
cjfa-3243	78	33	green	green	PROPN
cjfa-3243	78	34	paper	paper	PROPN
cjfa-3243	78	35	2012	2012	NUM
cjfa-3243	78	36	)	)	PUNCT
cjfa-3243	78	37	.	.	PUNCT
cjfa-3243	79	1	data	datum	NOUN
cjfa-3243	79	2	presented	present	VERB
cjfa-3243	79	3	in	in	ADP
cjfa-3243	79	4	the	the	DET
cjfa-3243	79	5	1	1	NUM
cjfa-3243	79	6	chart	chart	NOUN
cjfa-3243	79	7	confirm	confirm	VERB
cjfa-3243	79	8	that	that	SCONJ
cjfa-3243	79	9	the	the	DET
cjfa-3243	79	10	highest	high	ADJ
cjfa-3243	79	11	indebtedness	indebtedness	NOUN
cjfa-3243	79	12	was	be	AUX
cjfa-3243	79	13	characteristic	characteristic	ADJ
cjfa-3243	79	14	for	for	ADP
cjfa-3243	79	15	the	the	DET
cjfa-3243	79	16	population	population	NOUN
cjfa-3243	79	17	of	of	ADP
cjfa-3243	79	18	sub	sub	ADJ
cjfa-3243	79	19	-	-	ADJ
cjfa-3243	79	20	saharan	saharan	ADJ
cjfa-3243	79	21	africa	africa	PROPN
cjfa-3243	79	22	–	–	PUNCT
cjfa-3243	79	23	46,8	46,8	NUM
cjfa-3243	79	24	%	%	NOUN
cjfa-3243	79	25	,	,	PUNCT
cjfa-3243	79	26	while	while	SCONJ
cjfa-3243	79	27	the	the	DET
cjfa-3243	79	28	least	least	ADJ
cjfa-3243	79	29	debts	debt	NOUN
cjfa-3243	79	30	were	be	AUX
cjfa-3243	79	31	contracted	contract	VERB
cjfa-3243	79	32	by	by	ADP
cjfa-3243	79	33	latin	latin	PROPN
cjfa-3243	79	34	america	america	PROPN
cjfa-3243	79	35	and	and	CCONJ
cjfa-3243	79	36	the	the	DET
cjfa-3243	79	37	caribbean	caribbean	ADJ
cjfa-3243	79	38	inhabitants	inhabitant	NOUN
cjfa-3243	79	39	–	–	PUNCT
cjfa-3243	79	40	25,4	25,4	NUM
cjfa-3243	79	41	%	%	NOUN
cjfa-3243	79	42	.	.	PUNCT
cjfa-3243	80	1	as	as	ADV
cjfa-3243	80	2	far	far	ADV
cjfa-3243	80	3	as	as	SCONJ
cjfa-3243	80	4	financing	financing	NOUN
cjfa-3243	80	5	sources	source	NOUN
cjfa-3243	80	6	are	be	AUX
cjfa-3243	80	7	concerned	concern	VERB
cjfa-3243	80	8	,	,	PUNCT
cjfa-3243	80	9	apart	apart	ADV
cjfa-3243	80	10	from	from	ADP
cjfa-3243	80	11	the	the	DET
cjfa-3243	80	12	developed	develop	VERB
cjfa-3243	80	13	countries	country	NOUN
cjfa-3243	80	14	,	,	PUNCT
cjfa-3243	80	15	loans	loan	NOUN
cjfa-3243	80	16	from	from	ADP
cjfa-3243	80	17	family	family	NOUN
cjfa-3243	80	18	or	or	CCONJ
cjfa-3243	80	19	friends	friend	NOUN
cjfa-3243	80	20	represent	represent	VERB
cjfa-3243	80	21	the	the	DET
cjfa-3243	80	22	dominating	dominating	NOUN
cjfa-3243	80	23	source	source	NOUN
cjfa-3243	80	24	of	of	ADP
cjfa-3243	80	25	financial	financial	ADJ
cjfa-3243	80	26	support	support	NOUN
cjfa-3243	80	27	.	.	PUNCT
cjfa-3243	81	1	the	the	DET
cjfa-3243	81	2	broadly	broadly	ADV
cjfa-3243	81	3	understood	understand	VERB
cjfa-3243	81	4	alternative	alternative	ADJ
cjfa-3243	81	5	offer	offer	NOUN
cjfa-3243	81	6	of	of	ADP
cjfa-3243	81	7	loan	loan	NOUN
cjfa-3243	81	8	granting	grant	VERB
cjfa-3243	81	9	institutions	institution	NOUN
cjfa-3243	81	10	is	be	AUX
cjfa-3243	81	11	most	most	ADV
cjfa-3243	81	12	popular	popular	ADJ
cjfa-3243	81	13	among	among	ADP
cjfa-3243	81	14	the	the	DET
cjfa-3243	81	15	adult	adult	NOUN
cjfa-3243	81	16	population	population	NOUN
cjfa-3243	81	17	of	of	ADP
cjfa-3243	81	18	south	south	PROPN
cjfa-3243	81	19	asia	asia	PROPN
cjfa-3243	81	20	–	–	PUNCT
cjfa-3243	81	21	6,4	6,4	NUM
cjfa-3243	81	22	%	%	NOUN
cjfa-3243	81	23	and	and	CCONJ
cjfa-3243	81	24	the	the	DET
cjfa-3243	81	25	lowest	low	ADJ
cjfa-3243	81	26	interest	interest	NOUN
cjfa-3243	81	27	of	of	ADP
cjfa-3243	81	28	such	such	ADJ
cjfa-3243	81	29	services	service	NOUN
cjfa-3243	81	30	,	,	PUNCT
cjfa-3243	81	31	at	at	ADP
cjfa-3243	81	32	the	the	DET
cjfa-3243	81	33	level	level	NOUN
cjfa-3243	81	34	of	of	ADP
cjfa-3243	81	35	1,5	1,5	NUM
cjfa-3243	81	36	%	%	NOUN
cjfa-3243	81	37	,	,	PUNCT
cjfa-3243	81	38	is	be	AUX
cjfa-3243	81	39	recorded	record	VERB
cjfa-3243	81	40	among	among	ADP
cjfa-3243	81	41	inhabitants	inhabitant	NOUN
cjfa-3243	81	42	of	of	ADP
cjfa-3243	81	43	europe	europe	PROPN
cjfa-3243	81	44	and	and	CCONJ
cjfa-3243	81	45	central	central	PROPN
cjfa-3243	81	46	asia	asia	PROPN
cjfa-3243	81	47	.	.	PUNCT
cjfa-3243	82	1	the	the	DET
cjfa-3243	82	2	importance	importance	NOUN
cjfa-3243	82	3	of	of	ADP
cjfa-3243	82	4	shadow	shadow	NOUN
cjfa-3243	82	5	banking	banking	NOUN
cjfa-3243	82	6	sector	sector	NOUN
cjfa-3243	82	7	entities	entity	NOUN
cjfa-3243	82	8	for	for	ADP
cjfa-3243	82	9	population	population	NOUN
cjfa-3243	82	10	195	195	NUM
cjfa-3243	82	11	chart	chart	NOUN
cjfa-3243	82	12	1	1	NUM
cjfa-3243	82	13	.	.	PUNCT
cjfa-3243	83	1	the	the	DET
cjfa-3243	83	2	number	number	NOUN
cjfa-3243	83	3	of	of	ADP
cjfa-3243	83	4	borrowers	borrower	NOUN
cjfa-3243	83	5	and	and	CCONJ
cjfa-3243	83	6	basic	basic	ADJ
cjfa-3243	83	7	sources	source	NOUN
cjfa-3243	83	8	of	of	ADP
cjfa-3243	83	9	loans	loan	NOUN
cjfa-3243	83	10	in	in	ADP
cjfa-3243	83	11	regional	regional	ADJ
cjfa-3243	83	12	cross	cross	NOUN
cjfa-3243	83	13	-	-	NOUN
cjfa-3243	83	14	section	section	NOUN
cjfa-3243	83	15	(	(	PUNCT
cjfa-3243	83	16	data	datum	NOUN
cjfa-3243	83	17	form	form	NOUN
cjfa-3243	83	18	2011	2011	NUM
cjfa-3243	83	19	presented	present	VERB
cjfa-3243	83	20	as	as	ADP
cjfa-3243	83	21	%	%	NOUN
cjfa-3243	83	22	of	of	ADP
cjfa-3243	83	23	population	population	NOUN
cjfa-3243	83	24	over	over	ADP
cjfa-3243	83	25	15	15	NUM
cjfa-3243	83	26	years	year	NOUN
cjfa-3243	83	27	of	of	ADP
cjfa-3243	83	28	age	age	NOUN
cjfa-3243	83	29	)	)	PUNCT
cjfa-3243	83	30	*	*	PUNCT
cjfa-3243	84	1	only	only	ADV
cjfa-3243	84	2	developing	develop	VERB
cjfa-3243	84	3	countries	country	NOUN
cjfa-3243	84	4	s	s	PART
cjfa-3243	84	5	o	o	NOUN
cjfa-3243	84	6	u	u	NOUN
cjfa-3243	84	7	r	r	NOUN
cjfa-3243	84	8	c	c	NOUN
cjfa-3243	84	9	e	e	NOUN
cjfa-3243	84	10	:	:	PUNCT
cjfa-3243	84	11	author	author	NOUN
cjfa-3243	84	12	’s	’s	PART
cjfa-3243	84	13	compilation	compilation	NOUN
cjfa-3243	84	14	based	base	VERB
cjfa-3243	84	15	on	on	ADP
cjfa-3243	84	16	(	(	PUNCT
cjfa-3243	84	17	the	the	DET
cjfa-3243	84	18	global	global	ADJ
cjfa-3243	84	19	financial	financial	ADJ
cjfa-3243	84	20	2013	2013	NUM
cjfa-3243	84	21	)	)	PUNCT
cjfa-3243	84	22	.	.	PUNCT
cjfa-3243	85	1	polish	polish	ADJ
cjfa-3243	85	2	citizens	citizen	NOUN
cjfa-3243	85	3	,	,	PUNCT
cjfa-3243	85	4	against	against	ADP
cjfa-3243	85	5	the	the	DET
cjfa-3243	85	6	global	global	ADJ
cjfa-3243	85	7	average	average	NOUN
cjfa-3243	85	8	,	,	PUNCT
cjfa-3243	85	9	have	have	VERB
cjfa-3243	85	10	slightly	slightly	ADV
cjfa-3243	85	11	worse	bad	ADJ
cjfa-3243	85	12	results	result	NOUN
cjfa-3243	85	13	since	since	SCONJ
cjfa-3243	85	14	last	last	ADJ
cjfa-3243	85	15	year	year	NOUN
cjfa-3243	85	16	26,4	26,4	NUM
cjfa-3243	85	17	%	%	NOUN
cjfa-3243	85	18	of	of	ADP
cjfa-3243	85	19	adult	adult	NOUN
cjfa-3243	85	20	population	population	NOUN
cjfa-3243	85	21	took	take	VERB
cjfa-3243	85	22	out	out	ADP
cjfa-3243	85	23	loans	loan	NOUN
cjfa-3243	85	24	,	,	PUNCT
cjfa-3243	85	25	among	among	ADP
cjfa-3243	85	26	which	which	PRON
cjfa-3243	85	27	13,5	13,5	NUM
cjfa-3243	85	28	%	%	NOUN
cjfa-3243	85	29	borrowed	borrow	VERB
cjfa-3243	85	30	money	money	NOUN
cjfa-3243	85	31	from	from	ADP
cjfa-3243	85	32	family	family	NOUN
cjfa-3243	85	33	and	and	CCONJ
cjfa-3243	85	34	friends	friend	NOUN
cjfa-3243	85	35	,	,	PUNCT
cjfa-3243	85	36	while	while	SCONJ
cjfa-3243	85	37	ten	ten	NUM
cjfa-3243	85	38	out	out	ADP
cjfa-3243	85	39	of	of	ADP
cjfa-3243	85	40	one	one	NUM
cjfa-3243	85	41	hundred	hundred	NUM
cjfa-3243	85	42	signed	sign	VERB
cjfa-3243	85	43	loan	loan	NOUN
cjfa-3243	85	44	agreements	agreement	NOUN
cjfa-3243	85	45	with	with	ADP
cjfa-3243	85	46	banks	bank	NOUN
cjfa-3243	85	47	and	and	CCONJ
cjfa-3243	85	48	0,9	0,9	NUM
cjfa-3243	85	49	%	%	NOUN
cjfa-3243	85	50	took	take	VERB
cjfa-3243	85	51	advantage	advantage	NOUN
cjfa-3243	85	52	of	of	ADP
cjfa-3243	85	53	alternative	alternative	ADJ
cjfa-3243	85	54	financial	financial	ADJ
cjfa-3243	85	55	services	service	NOUN
cjfa-3243	85	56	providers	provider	NOUN
cjfa-3243	85	57	(	(	PUNCT
cjfa-3243	85	58	the	the	DET
cjfa-3243	85	59	global	global	ADJ
cjfa-3243	85	60	financial	financial	NOUN
cjfa-3243	85	61	2013	2013	NUM
cjfa-3243	85	62	)	)	PUNCT
cjfa-3243	85	63	.	.	PUNCT
cjfa-3243	86	1	on	on	ADP
cjfa-3243	86	2	the	the	DET
cjfa-3243	86	3	other	other	ADJ
cjfa-3243	86	4	hand	hand	NOUN
cjfa-3243	86	5	,	,	PUNCT
cjfa-3243	86	6	another	another	DET
cjfa-3243	86	7	source	source	NOUN
cjfa-3243	86	8	reports	report	VERB
cjfa-3243	86	9	that	that	SCONJ
cjfa-3243	86	10	,	,	PUNCT
cjfa-3243	86	11	in	in	ADP
cjfa-3243	86	12	the	the	DET
cjfa-3243	86	13	first	first	ADJ
cjfa-3243	86	14	half	half	NOUN
cjfa-3243	86	15	of	of	ADP
cjfa-3243	86	16	2012	2012	NUM
cjfa-3243	86	17	,	,	PUNCT
cjfa-3243	86	18	the	the	DET
cjfa-3243	86	19	indebtedness	indebtedness	NOUN
cjfa-3243	86	20	of	of	ADP
cjfa-3243	86	21	polish	polish	ADJ
cjfa-3243	86	22	citizens	citizen	NOUN
cjfa-3243	86	23	to	to	PART
cjfa-3243	86	24	shadow	shadow	VERB
cjfa-3243	86	25	banking	banking	NOUN
cjfa-3243	86	26	sector	sector	NOUN
cjfa-3243	86	27	entities	entity	NOUN
cjfa-3243	86	28	amounted	amount	VERB
cjfa-3243	86	29	to	to	ADP
cjfa-3243	86	30	1,8	1,8	NUM
cjfa-3243	86	31	billion	billion	NUM
cjfa-3243	86	32	pln	pln	NOUN
cjfa-3243	86	33	,	,	PUNCT
cjfa-3243	86	34	which	which	PRON
cjfa-3243	86	35	constitutes	constitute	VERB
cjfa-3243	86	36	the	the	DET
cjfa-3243	86	37	increase	increase	NOUN
cjfa-3243	86	38	by	by	ADP
cjfa-3243	86	39	17	17	NUM
cjfa-3243	86	40	%	%	NOUN
cjfa-3243	86	41	as	as	ADP
cjfa-3243	86	42	compared	compare	VERB
cjfa-3243	86	43	to	to	ADP
cjfa-3243	86	44	the	the	DET
cjfa-3243	86	45	previous	previous	ADJ
cjfa-3243	86	46	year	year	NOUN
cjfa-3243	86	47	(	(	PUNCT
cjfa-3243	86	48	kamińska	kamińska	NOUN
cjfa-3243	86	49	2012	2012	NUM
cjfa-3243	86	50	,	,	PUNCT
cjfa-3243	86	51	1	1	NUM
cjfa-3243	86	52	)	)	PUNCT
cjfa-3243	86	53	.	.	PUNCT
cjfa-3243	87	1	the	the	DET
cjfa-3243	87	2	number	number	NOUN
cjfa-3243	87	3	of	of	ADP
cjfa-3243	87	4	non	non	ADJ
cjfa-3243	87	5	-	-	ADJ
cjfa-3243	87	6	banking	banking	ADJ
cjfa-3243	87	7	lending	lending	NOUN
cjfa-3243	87	8	institutions	institution	NOUN
cjfa-3243	87	9	keeps	keep	VERB
cjfa-3243	87	10	growing	grow	VERB
cjfa-3243	87	11	dynamically	dynamically	ADV
cjfa-3243	87	12	.	.	PUNCT
cjfa-3243	88	1	the	the	DET
cjfa-3243	88	2	confederation	confederation	NOUN
cjfa-3243	88	3	of	of	ADP
cjfa-3243	88	4	financial	financial	ADJ
cjfa-3243	88	5	companies	company	NOUN
cjfa-3243	88	6	informs	inform	VERB
cjfa-3243	88	7	that	that	SCONJ
cjfa-3243	88	8	at	at	ADP
cjfa-3243	88	9	the	the	DET
cjfa-3243	88	10	end	end	NOUN
cjfa-3243	88	11	of	of	ADP
cjfa-3243	88	12	2012	2012	NUM
cjfa-3243	88	13	the	the	DET
cjfa-3243	88	14	number	number	NOUN
cjfa-3243	88	15	of	of	ADP
cjfa-3243	88	16	borrowers	borrower	NOUN
cjfa-3243	88	17	amounted	amount	VERB
cjfa-3243	88	18	to	to	ADP
cjfa-3243	88	19	1,36	1,36	NUM
cjfa-3243	88	20	mln	mln	NOUN
cjfa-3243	88	21	,	,	PUNCT
cjfa-3243	88	22	whereas	whereas	SCONJ
cjfa-3243	88	23	three	three	NUM
cjfa-3243	88	24	years	year	NOUN
cjfa-3243	88	25	before	before	SCONJ
cjfa-3243	88	26	the	the	DET
cjfa-3243	88	27	adequate	adequate	ADJ
cjfa-3243	88	28	number	number	NOUN
cjfa-3243	88	29	was	be	AUX
cjfa-3243	88	30	900	900	NUM
cjfa-3243	88	31	thous	thous	ADJ
cjfa-3243	88	32	.	.	PUNCT
cjfa-3243	88	33	,	,	PUNCT
cjfa-3243	88	34	which	which	PRON
cjfa-3243	88	35	means	mean	VERB
cjfa-3243	88	36	an	an	DET
cjfa-3243	88	37	increase	increase	NOUN
cjfa-3243	88	38	by	by	ADP
cjfa-3243	88	39	33	33	NUM
cjfa-3243	88	40	%	%	NOUN
cjfa-3243	88	41	.	.	PUNCT
cjfa-3243	89	1	for	for	ADP
cjfa-3243	89	2	many	many	ADJ
cjfa-3243	89	3	years	year	NOUN
cjfa-3243	89	4	the	the	DET
cjfa-3243	89	5	offer	offer	NOUN
cjfa-3243	89	6	by	by	ADP
cjfa-3243	89	7	the	the	DET
cjfa-3243	89	8	lending	lending	NOUN
cjfa-3243	89	9	company	company	NOUN
cjfa-3243	89	10	–	–	PUNCT
cjfa-3243	89	11	provident	provident	NOUN
cjfa-3243	89	12	has	have	AUX
cjfa-3243	89	13	been	be	AUX
cjfa-3243	89	14	most	most	ADV
cjfa-3243	89	15	popular	popular	ADJ
cjfa-3243	89	16	in	in	ADP
cjfa-3243	89	17	poland	poland	PROPN
cjfa-3243	89	18	.	.	PUNCT
cjfa-3243	90	1	at	at	ADP
cjfa-3243	90	2	the	the	DET
cjfa-3243	90	3	end	end	NOUN
cjfa-3243	90	4	of	of	ADP
cjfa-3243	90	5	the	the	DET
cjfa-3243	90	6	3rd	3rd	ADJ
cjfa-3243	90	7	quarter	quarter	NOUN
cjfa-3243	90	8	of	of	ADP
cjfa-3243	90	9	2013	2013	NUM
cjfa-3243	90	10	it	it	PRON
cjfa-3243	90	11	recorded	record	VERB
cjfa-3243	90	12	almost	almost	ADV
cjfa-3243	90	13	3	3	NUM
cjfa-3243	90	14	%	%	NOUN
cjfa-3243	90	15	growth	growth	NOUN
cjfa-3243	90	16	of	of	ADP
cjfa-3243	90	17	clients	client	NOUN
cjfa-3243	90	18	and	and	CCONJ
cjfa-3243	90	19	4	4	NUM
cjfa-3243	90	20	%	%	NOUN
cjfa-3243	90	21	of	of	ADP
cjfa-3243	90	22	the	the	DET
cjfa-3243	90	23	value	value	NOUN
cjfa-3243	90	24	of	of	ADP
cjfa-3243	90	25	loans	loan	NOUN
cjfa-3243	90	26	granted	grant	VERB
cjfa-3243	90	27	.	.	PUNCT
cjfa-3243	91	1	it	it	PRON
cjfa-3243	91	2	is	be	AUX
cjfa-3243	91	3	also	also	ADV
cjfa-3243	91	4	worth	worth	ADJ
cjfa-3243	91	5	emphasizing	emphasize	VERB
cjfa-3243	91	6	that	that	SCONJ
cjfa-3243	91	7	a	a	DET
cjfa-3243	91	8	much	much	ADV
cjfa-3243	91	9	less	less	ADV
cjfa-3243	91	10	popular	popular	ADJ
cjfa-3243	91	11	form	form	NOUN
cjfa-3243	91	12	of	of	ADP
cjfa-3243	91	13	selling	sell	VERB
cjfa-3243	91	14	loans	loan	NOUN
cjfa-3243	91	15	by	by	ADP
cjfa-3243	91	16	the	the	DET
cjfa-3243	91	17	internet	internet	NOUN
cjfa-3243	91	18	appeared	appear	VERB
cjfa-3243	91	19	on	on	ADP
cjfa-3243	91	20	polish	polish	ADJ
cjfa-3243	91	21	market	market	NOUN
cjfa-3243	91	22	.	.	PUNCT
cjfa-3243	92	1	such	such	ADJ
cjfa-3243	92	2	loans	loan	NOUN
cjfa-3243	92	3	providers	provider	NOUN
cjfa-3243	92	4	as	as	ADP
cjfa-3243	92	5	net	net	ADJ
cjfa-3243	92	6	credit	credit	NOUN
cjfa-3243	92	7	,	,	PUNCT
cjfa-3243	92	8	kredito24	kredito24	NOUN
cjfa-3243	92	9	,	,	PUNCT
cjfa-3243	92	10	wonga.com	wonga.com	X
cjfa-3243	92	11	,	,	PUNCT
cjfa-3243	92	12	vivus	vivus	PROPN
cjfa-3243	92	13	finance	finance	PROPN
cjfa-3243	92	14	,	,	PUNCT
cjfa-3243	92	15	running	run	VERB
cjfa-3243	92	16	their	their	PRON
cjfa-3243	92	17	businesses	business	NOUN
cjfa-3243	92	18	online	online	ADV
cjfa-3243	92	19	,	,	PUNCT
cjfa-3243	92	20	have	have	AUX
cjfa-3243	92	21	been	be	AUX
cjfa-3243	92	22	conquering	conquer	VERB
cjfa-3243	92	23	the	the	DET
cjfa-3243	92	24	market	market	NOUN
cjfa-3243	92	25	dynamically	dynamically	ADV
cjfa-3243	92	26	.	.	PUNCT
cjfa-3243	93	1	e.g.	e.g.	ADV
cjfa-3243	93	2	the	the	DET
cjfa-3243	93	3	latter	latter	ADJ
cjfa-3243	93	4	entity	entity	NOUN
cjfa-3243	93	5	,	,	PUNCT
cjfa-3243	93	6	only	only	ADV
cjfa-3243	93	7	in	in	ADP
cjfa-3243	93	8	the	the	DET
cjfa-3243	93	9	first	first	ADJ
cjfa-3243	93	10	year	year	NOUN
cjfa-3243	93	11	of	of	ADP
cjfa-3243	93	12	running	run	VERB
cjfa-3243	93	13	the	the	DET
cjfa-3243	93	14	business	business	NOUN
cjfa-3243	93	15	,	,	PUNCT
cjfa-3243	93	16	served	serve	VERB
cjfa-3243	93	17	300	300	NUM
cjfa-3243	93	18	thous	thous	ADJ
cjfa-3243	93	19	.	.	PUNCT
cjfa-3243	94	1	clients	client	NOUN
cjfa-3243	94	2	and	and	CCONJ
cjfa-3243	94	3	granted	grant	VERB
cjfa-3243	94	4	loans	loan	NOUN
cjfa-3243	94	5	at	at	ADP
cjfa-3243	94	6	the	the	DET
cjfa-3243	94	7	total	total	ADJ
cjfa-3243	94	8	amount	amount	NOUN
cjfa-3243	94	9	of	of	ADP
cjfa-3243	94	10	pln	pln	PROPN
cjfa-3243	94	11	250	250	NUM
cjfa-3243	94	12	mln	mln	NOUN
cjfa-3243	94	13	.	.	PUNCT
cjfa-3243	95	1	these	these	DET
cjfa-3243	95	2	types	type	NOUN
cjfa-3243	95	3	of	of	ADP
cjfa-3243	95	4	małgorzata	małgorzata	PROPN
cjfa-3243	95	5	solarz196	solarz196	PROPN
cjfa-3243	95	6	loan	loan	NOUN
cjfa-3243	95	7	companies	company	NOUN
cjfa-3243	95	8	offer	offer	VERB
cjfa-3243	95	9	the	the	DET
cjfa-3243	95	10	so	so	ADV
cjfa-3243	95	11	-	-	PUNCT
cjfa-3243	95	12	called	call	VERB
cjfa-3243	95	13	micro	micro	NOUN
cjfa-3243	95	14	-	-	NOUN
cjfa-3243	95	15	loans	loan	NOUN
cjfa-3243	95	16	to	to	PART
cjfa-3243	95	17	be	be	AUX
cjfa-3243	95	18	repaid	repay	VERB
cjfa-3243	95	19	within	within	ADP
cjfa-3243	95	20	30	30	NUM
cjfa-3243	95	21	days	day	NOUN
cjfa-3243	95	22	.	.	PUNCT
cjfa-3243	96	1	in	in	ADP
cjfa-3243	96	2	2013	2013	NUM
cjfa-3243	96	3	the	the	DET
cjfa-3243	96	4	average	average	ADJ
cjfa-3243	96	5	borrowed	borrow	VERB
cjfa-3243	96	6	amount	amount	NOUN
cjfa-3243	96	7	was	be	AUX
cjfa-3243	96	8	pln	pln	PROPN
cjfa-3243	96	9	449	449	NUM
cjfa-3243	96	10	in	in	ADP
cjfa-3243	96	11	case	case	NOUN
cjfa-3243	96	12	of	of	ADP
cjfa-3243	96	13	the	the	DET
cjfa-3243	96	14	first	first	ADJ
cjfa-3243	96	15	agreement	agreement	NOUN
cjfa-3243	96	16	and	and	CCONJ
cjfa-3243	96	17	pln	pln	PROPN
cjfa-3243	96	18	745	745	NUM
cjfa-3243	96	19	for	for	ADP
cjfa-3243	96	20	clients	client	NOUN
cjfa-3243	96	21	granted	grant	VERB
cjfa-3243	96	22	another	another	DET
cjfa-3243	96	23	micro	micro	NOUN
cjfa-3243	96	24	-	-	NOUN
cjfa-3243	96	25	loan	loan	NOUN
cjfa-3243	96	26	,	,	PUNCT
cjfa-3243	96	27	if	if	SCONJ
cjfa-3243	96	28	the	the	DET
cjfa-3243	96	29	prior	prior	ADJ
cjfa-3243	96	30	one	one	NUM
cjfa-3243	96	31	was	be	AUX
cjfa-3243	96	32	repaid	repay	VERB
cjfa-3243	96	33	in	in	ADP
cjfa-3243	96	34	full	full	ADJ
cjfa-3243	96	35	amount	amount	NOUN
cjfa-3243	96	36	and	and	CCONJ
cjfa-3243	96	37	timely	timely	ADV
cjfa-3243	96	38	.	.	PUNCT
cjfa-3243	97	1	micro	micro	NOUN
cjfa-3243	97	2	-	-	NOUN
cjfa-3243	97	3	loans	loan	NOUN
cjfa-3243	97	4	are	be	AUX
cjfa-3243	97	5	repaid	repay	VERB
cjfa-3243	97	6	as	as	ADP
cjfa-3243	97	7	balloon	balloon	NOUN
cjfa-3243	97	8	payments	payment	NOUN
cjfa-3243	97	9	or	or	CCONJ
cjfa-3243	97	10	–	–	PUNCT
cjfa-3243	97	11	if	if	SCONJ
cjfa-3243	97	12	applied	apply	VERB
cjfa-3243	97	13	by	by	ADP
cjfa-3243	97	14	a	a	DET
cjfa-3243	97	15	client	client	NOUN
cjfa-3243	97	16	–	–	PUNCT
cjfa-3243	97	17	extended	extend	VERB
cjfa-3243	97	18	for	for	ADP
cjfa-3243	97	19	the	the	DET
cjfa-3243	97	20	following	follow	VERB
cjfa-3243	97	21	repayment	repayment	NOUN
cjfa-3243	97	22	period	period	NOUN
cjfa-3243	97	23	.	.	PUNCT
cjfa-3243	98	1	quite	quite	ADV
cjfa-3243	98	2	often	often	ADV
cjfa-3243	98	3	they	they	PRON
cjfa-3243	98	4	do	do	AUX
cjfa-3243	98	5	not	not	PART
cjfa-3243	98	6	bear	bear	VERB
cjfa-3243	98	7	interest	interest	NOUN
cjfa-3243	98	8	and	and	CCONJ
cjfa-3243	98	9	their	their	PRON
cjfa-3243	98	10	total	total	ADJ
cjfa-3243	98	11	cost	cost	NOUN
cjfa-3243	98	12	is	be	AUX
cjfa-3243	98	13	the	the	DET
cjfa-3243	98	14	commission	commission	NOUN
cjfa-3243	98	15	enlarging	enlarge	VERB
cjfa-3243	98	16	the	the	DET
cjfa-3243	98	17	amount	amount	NOUN
cjfa-3243	98	18	repaid	repay	VERB
cjfa-3243	98	19	at	at	ADP
cjfa-3243	98	20	the	the	DET
cjfa-3243	98	21	end	end	NOUN
cjfa-3243	98	22	of	of	ADP
cjfa-3243	98	23	the	the	DET
cjfa-3243	98	24	crediting	crediting	NOUN
cjfa-3243	98	25	period	period	NOUN
cjfa-3243	98	26	.	.	PUNCT
cjfa-3243	99	1	average	average	ADJ
cjfa-3243	99	2	costs	cost	NOUN
cjfa-3243	99	3	of	of	ADP
cjfa-3243	99	4	debt	debt	NOUN
cjfa-3243	99	5	servicing	servicing	NOUN
cjfa-3243	99	6	remain	remain	VERB
cjfa-3243	99	7	at	at	ADP
cjfa-3243	99	8	the	the	DET
cjfa-3243	99	9	level	level	NOUN
cjfa-3243	99	10	of	of	ADP
cjfa-3243	99	11	19–23	19–23	NUM
cjfa-3243	99	12	%	%	NOUN
cjfa-3243	99	13	against	against	ADP
cjfa-3243	99	14	the	the	DET
cjfa-3243	99	15	borrowed	borrow	VERB
cjfa-3243	99	16	amount	amount	NOUN
cjfa-3243	99	17	(	(	PUNCT
cjfa-3243	99	18	raport	raport	NOUN
cjfa-3243	99	19	2013	2013	NUM
cjfa-3243	99	20	,	,	PUNCT
cjfa-3243	99	21	3–5	3–5	NUM
cjfa-3243	99	22	)	)	PUNCT
cjfa-3243	99	23	.	.	PUNCT
cjfa-3243	100	1	additionally	additionally	ADV
cjfa-3243	100	2	,	,	PUNCT
cjfa-3243	100	3	the	the	DET
cjfa-3243	100	4	number	number	NOUN
cjfa-3243	100	5	of	of	ADP
cjfa-3243	100	6	social	social	ADJ
cjfa-3243	100	7	lending	lending	NOUN
cjfa-3243	100	8	portals	portal	NOUN
cjfa-3243	100	9	users	user	NOUN
cjfa-3243	100	10	is	be	AUX
cjfa-3243	100	11	also	also	ADV
cjfa-3243	100	12	growing	grow	VERB
cjfa-3243	100	13	dynamically	dynamically	ADV
cjfa-3243	100	14	,	,	PUNCT
cjfa-3243	100	15	kokos.pl	kokos.pl	PROPN
cjfa-3243	100	16	informs	inform	VERB
cjfa-3243	100	17	at	at	ADP
cjfa-3243	100	18	its	its	PRON
cjfa-3243	100	19	website	website	NOUN
cjfa-3243	100	20	that	that	SCONJ
cjfa-3243	100	21	in	in	ADP
cjfa-3243	100	22	september	september	PROPN
cjfa-3243	100	23	2013	2013	NUM
cjfa-3243	100	24	they	they	PRON
cjfa-3243	100	25	had	have	VERB
cjfa-3243	100	26	over	over	ADP
cjfa-3243	100	27	225	225	NUM
cjfa-3243	100	28	000	000	NUM
cjfa-3243	100	29	clients	client	NOUN
cjfa-3243	100	30	,	,	PUNCT
cjfa-3243	100	31	while	while	SCONJ
cjfa-3243	100	32	nine	nine	NUM
cjfa-3243	100	33	months	month	NOUN
cjfa-3243	100	34	before	before	SCONJ
cjfa-3243	100	35	their	their	PRON
cjfa-3243	100	36	number	number	NOUN
cjfa-3243	100	37	was	be	AUX
cjfa-3243	100	38	by	by	ADP
cjfa-3243	100	39	7,6	7,6	NUM
cjfa-3243	100	40	%	%	NOUN
cjfa-3243	100	41	lower	low	ADJ
cjfa-3243	100	42	.	.	PUNCT
cjfa-3243	101	1	4	4	X
cjfa-3243	101	2	.	.	X
cjfa-3243	101	3	advantages	advantage	NOUN
cjfa-3243	101	4	related	relate	VERB
cjfa-3243	101	5	to	to	ADP
cjfa-3243	101	6	operations	operation	NOUN
cjfa-3243	101	7	performed	perform	VERB
cjfa-3243	101	8	by	by	ADP
cjfa-3243	101	9	shadow	shadow	NOUN
cjfa-3243	101	10	banking	banking	NOUN
cjfa-3243	101	11	sector	sector	NOUN
cjfa-3243	101	12	entities	entity	NOUN
cjfa-3243	101	13	for	for	ADP
cjfa-3243	101	14	population	population	NOUN
cjfa-3243	101	15	affected	affect	VERB
cjfa-3243	101	16	by	by	ADP
cjfa-3243	101	17	credit	credit	NOUN
cjfa-3243	101	18	exclusion	exclusion	NOUN
cjfa-3243	101	19	alternative	alternative	ADJ
cjfa-3243	101	20	financial	financial	ADJ
cjfa-3243	101	21	services	service	NOUN
cjfa-3243	101	22	providers	provider	NOUN
cjfa-3243	101	23	offer	offer	VERB
cjfa-3243	101	24	numerous	numerous	ADJ
cjfa-3243	101	25	advantages	advantage	NOUN
cjfa-3243	101	26	,	,	PUNCT
cjfa-3243	101	27	especially	especially	ADV
cjfa-3243	101	28	for	for	ADP
cjfa-3243	101	29	individuals	individual	NOUN
cjfa-3243	101	30	affected	affect	VERB
cjfa-3243	101	31	by	by	ADP
cjfa-3243	101	32	the	the	DET
cjfa-3243	101	33	exclusion	exclusion	NOUN
cjfa-3243	101	34	from	from	ADP
cjfa-3243	101	35	financial	financial	ADJ
cjfa-3243	101	36	system	system	NOUN
cjfa-3243	101	37	.	.	PUNCT
cjfa-3243	102	1	these	these	DET
cjfa-3243	102	2	entities	entity	NOUN
cjfa-3243	102	3	provide	provide	VERB
cjfa-3243	102	4	financing	financing	NOUN
cjfa-3243	102	5	sources	source	NOUN
cjfa-3243	102	6	for	for	ADP
cjfa-3243	102	7	both	both	DET
cjfa-3243	102	8	consumer	consumer	NOUN
cjfa-3243	102	9	expenditure	expenditure	NOUN
cjfa-3243	102	10	and	and	CCONJ
cjfa-3243	102	11	these	these	PRON
cjfa-3243	102	12	related	relate	VERB
cjfa-3243	102	13	to	to	ADP
cjfa-3243	102	14	starting	start	VERB
cjfa-3243	102	15	one	one	NUM
cjfa-3243	102	16	’s	’s	PART
cjfa-3243	102	17	own	own	ADJ
cjfa-3243	102	18	business	business	NOUN
cjfa-3243	102	19	.	.	PUNCT
cjfa-3243	103	1	the	the	DET
cjfa-3243	103	2	access	access	NOUN
cjfa-3243	103	3	to	to	ADP
cjfa-3243	103	4	loan	loan	NOUN
cjfa-3243	103	5	products	product	NOUN
cjfa-3243	103	6	facilitates	facilitate	VERB
cjfa-3243	103	7	household	household	NOUN
cjfa-3243	103	8	finance	finance	NOUN
cjfa-3243	103	9	management	management	NOUN
cjfa-3243	103	10	,	,	PUNCT
cjfa-3243	103	11	e.g.	e.g.	ADV
cjfa-3243	103	12	allows	allow	VERB
cjfa-3243	103	13	for	for	ADP
cjfa-3243	103	14	covering	cover	VERB
cjfa-3243	103	15	temporary	temporary	ADJ
cjfa-3243	103	16	shortage	shortage	NOUN
cjfa-3243	103	17	of	of	ADP
cjfa-3243	103	18	financial	financial	ADJ
cjfa-3243	103	19	resources	resource	NOUN
cjfa-3243	103	20	or	or	CCONJ
cjfa-3243	103	21	protects	protect	VERB
cjfa-3243	103	22	against	against	ADP
cjfa-3243	103	23	suffering	suffer	VERB
cjfa-3243	103	24	even	even	ADV
cjfa-3243	103	25	deeper	deep	ADJ
cjfa-3243	103	26	poverty	poverty	NOUN
cjfa-3243	103	27	as	as	ADP
cjfa-3243	103	28	the	the	DET
cjfa-3243	103	29	result	result	NOUN
cjfa-3243	103	30	of	of	ADP
cjfa-3243	103	31	such	such	ADJ
cjfa-3243	103	32	circumstances	circumstance	NOUN
cjfa-3243	103	33	as	as	ADP
cjfa-3243	103	34	health	health	NOUN
cjfa-3243	103	35	problems	problem	NOUN
cjfa-3243	103	36	or	or	CCONJ
cjfa-3243	103	37	an	an	DET
cjfa-3243	103	38	injury	injury	NOUN
cjfa-3243	103	39	of	of	ADP
cjfa-3243	103	40	the	the	DET
cjfa-3243	103	41	primary	primary	ADJ
cjfa-3243	103	42	breadwinner	breadwinner	NOUN
cjfa-3243	103	43	.	.	PUNCT
cjfa-3243	104	1	for	for	ADP
cjfa-3243	104	2	many	many	ADJ
cjfa-3243	104	3	of	of	ADP
cjfa-3243	104	4	them	they	PRON
cjfa-3243	104	5	even	even	ADV
cjfa-3243	104	6	small	small	ADJ
cjfa-3243	104	7	amounts	amount	NOUN
cjfa-3243	104	8	in	in	ADP
cjfa-3243	104	9	loans	loan	NOUN
cjfa-3243	104	10	allow	allow	VERB
cjfa-3243	104	11	for	for	ADP
cjfa-3243	104	12	life	life	NOUN
cjfa-3243	104	13	quality	quality	NOUN
cjfa-3243	104	14	improvement	improvement	NOUN
cjfa-3243	104	15	,	,	PUNCT
cjfa-3243	104	16	e.g.	e.g.	ADV
cjfa-3243	104	17	by	by	ADP
cjfa-3243	104	18	exchanging	exchange	VERB
cjfa-3243	104	19	old	old	ADJ
cjfa-3243	104	20	household	household	NOUN
cjfa-3243	104	21	appliances	appliance	NOUN
cjfa-3243	104	22	into	into	ADP
cjfa-3243	104	23	new	new	ADJ
cjfa-3243	104	24	ones	one	NOUN
cjfa-3243	104	25	,	,	PUNCT
cjfa-3243	104	26	buying	buy	VERB
cjfa-3243	104	27	pharmaceuticals	pharmaceutical	NOUN
cjfa-3243	104	28	,	,	PUNCT
cjfa-3243	104	29	financing	finance	VERB
cjfa-3243	104	30	education	education	NOUN
cjfa-3243	104	31	courses	course	NOUN
cjfa-3243	104	32	.	.	PUNCT
cjfa-3243	105	1	the	the	DET
cjfa-3243	105	2	report	report	NOUN
cjfa-3243	105	3	entitled	entitle	VERB
cjfa-3243	105	4	“	"	PUNCT
cjfa-3243	105	5	the	the	DET
cjfa-3243	105	6	market	market	NOUN
cjfa-3243	105	7	of	of	ADP
cjfa-3243	105	8	loan	loan	NOUN
cjfa-3243	105	9	companies	company	NOUN
cjfa-3243	105	10	in	in	ADP
cjfa-3243	105	11	poland	poland	PROPN
cjfa-3243	105	12	”	"	PUNCT
cjfa-3243	105	13	presents	present	VERB
cjfa-3243	105	14	research	research	NOUN
cjfa-3243	105	15	results	result	NOUN
cjfa-3243	105	16	referring	refer	VERB
cjfa-3243	105	17	,	,	PUNCT
cjfa-3243	105	18	among	among	ADP
cjfa-3243	105	19	others	other	NOUN
cjfa-3243	105	20	,	,	PUNCT
cjfa-3243	105	21	to	to	ADP
cjfa-3243	105	22	household	household	NOUN
cjfa-3243	105	23	indebtedness	indebtedness	NOUN
cjfa-3243	105	24	in	in	ADP
cjfa-3243	105	25	financial	financial	ADJ
cjfa-3243	105	26	institutions	institution	NOUN
cjfa-3243	105	27	from	from	ADP
cjfa-3243	105	28	the	the	DET
cjfa-3243	105	29	perspective	perspective	NOUN
cjfa-3243	105	30	of	of	ADP
cjfa-3243	105	31	objectives	objective	NOUN
cjfa-3243	105	32	behind	behind	ADP
cjfa-3243	105	33	taking	take	VERB
cjfa-3243	105	34	out	out	ADP
cjfa-3243	105	35	loans	loan	NOUN
cjfa-3243	105	36	.	.	PUNCT
cjfa-3243	106	1	as	as	SCONJ
cjfa-3243	106	2	it	it	PRON
cjfa-3243	106	3	turns	turn	VERB
cjfa-3243	106	4	out	out	ADP
cjfa-3243	106	5	,	,	PUNCT
cjfa-3243	106	6	in	in	ADP
cjfa-3243	106	7	case	case	NOUN
cjfa-3243	106	8	of	of	ADP
cjfa-3243	106	9	debts	debt	NOUN
cjfa-3243	106	10	contracted	contract	VERB
cjfa-3243	106	11	in	in	ADP
cjfa-3243	106	12	loan	loan	NOUN
cjfa-3243	106	13	institutions	institution	NOUN
cjfa-3243	106	14	functioning	function	VERB
cjfa-3243	106	15	outside	outside	ADJ
cjfa-3243	106	16	banking	banking	NOUN
cjfa-3243	106	17	sector	sector	NOUN
cjfa-3243	106	18	the	the	DET
cjfa-3243	106	19	slightly	slightly	ADV
cjfa-3243	106	20	higher	high	ADJ
cjfa-3243	106	21	percentage	percentage	NOUN
cjfa-3243	106	22	of	of	ADP
cjfa-3243	106	23	households	household	NOUN
cjfa-3243	106	24	take	take	VERB
cjfa-3243	106	25	out	out	ADP
cjfa-3243	106	26	loans	loan	NOUN
cjfa-3243	106	27	for	for	ADP
cjfa-3243	106	28	their	their	PRON
cjfa-3243	106	29	current	current	ADJ
cjfa-3243	106	30	consumption	consumption	NOUN
cjfa-3243	106	31	purposes	purpose	NOUN
cjfa-3243	106	32	than	than	SCONJ
cjfa-3243	106	33	it	it	PRON
cjfa-3243	106	34	is	be	AUX
cjfa-3243	106	35	observed	observe	VERB
cjfa-3243	106	36	in	in	ADP
cjfa-3243	106	37	case	case	NOUN
cjfa-3243	106	38	of	of	ADP
cjfa-3243	106	39	credits	credit	NOUN
cjfa-3243	106	40	granted	grant	VERB
cjfa-3243	106	41	by	by	ADP
cjfa-3243	106	42	banks	bank	NOUN
cjfa-3243	106	43	(	(	PUNCT
cjfa-3243	106	44	23,2	23,2	NOUN
cjfa-3243	106	45	%	%	NOUN
cjfa-3243	106	46	against	against	ADP
cjfa-3243	106	47	16,6	16,6	NUM
cjfa-3243	106	48	%	%	NOUN
cjfa-3243	106	49	)	)	PUNCT
cjfa-3243	106	50	.	.	PUNCT
cjfa-3243	107	1	unfortunately	unfortunately	ADV
cjfa-3243	107	2	,	,	PUNCT
cjfa-3243	107	3	as	as	ADV
cjfa-3243	107	4	far	far	ADV
cjfa-3243	107	5	as	as	SCONJ
cjfa-3243	107	6	households	household	NOUN
cjfa-3243	107	7	outside	outside	ADP
cjfa-3243	107	8	the	the	DET
cjfa-3243	107	9	formal	formal	ADJ
cjfa-3243	107	10	sphere	sphere	NOUN
cjfa-3243	107	11	of	of	ADP
cjfa-3243	107	12	borrowing	borrowing	NOUN
cjfa-3243	107	13	are	be	AUX
cjfa-3243	107	14	concerned	concern	VERB
cjfa-3243	107	15	and	and	CCONJ
cjfa-3243	107	16	these	these	PRON
cjfa-3243	107	17	taking	take	VERB
cjfa-3243	107	18	loans	loan	NOUN
cjfa-3243	107	19	from	from	ADP
cjfa-3243	107	20	private	private	ADJ
cjfa-3243	107	21	persons	person	NOUN
cjfa-3243	107	22	,	,	PUNCT
cjfa-3243	107	23	the	the	DET
cjfa-3243	107	24	scale	scale	NOUN
cjfa-3243	107	25	of	of	ADP
cjfa-3243	107	26	indebtedness	indebtedness	NOUN
cjfa-3243	107	27	for	for	ADP
cjfa-3243	107	28	current	current	ADJ
cjfa-3243	107	29	consumption	consumption	NOUN
cjfa-3243	107	30	purposes	purpose	NOUN
cjfa-3243	107	31	is	be	AUX
cjfa-3243	107	32	significantly	significantly	ADV
cjfa-3243	107	33	higher	high	ADJ
cjfa-3243	107	34	.	.	PUNCT
cjfa-3243	108	1	in	in	ADP
cjfa-3243	108	2	the	the	DET
cjfa-3243	108	3	group	group	NOUN
cjfa-3243	108	4	of	of	ADP
cjfa-3243	108	5	households	household	NOUN
cjfa-3243	108	6	reporting	report	VERB
cjfa-3243	108	7	financial	financial	ADJ
cjfa-3243	108	8	obligations	obligation	NOUN
cjfa-3243	108	9	to	to	ADP
cjfa-3243	108	10	private	private	ADJ
cjfa-3243	108	11	persons	person	NOUN
cjfa-3243	108	12	as	as	ADV
cjfa-3243	108	13	many	many	ADJ
cjfa-3243	108	14	as	as	ADP
cjfa-3243	108	15	51,1	51,1	NUM
cjfa-3243	108	16	%	%	NOUN
cjfa-3243	108	17	have	have	AUX
cjfa-3243	108	18	borrowed	borrow	VERB
cjfa-3243	108	19	money	money	NOUN
cjfa-3243	108	20	to	to	PART
cjfa-3243	108	21	purchase	purchase	VERB
cjfa-3243	108	22	current	current	ADJ
cjfa-3243	108	23	consumption	consumption	NOUN
cjfa-3243	108	24	goods	good	NOUN
cjfa-3243	108	25	(	(	PUNCT
cjfa-3243	108	26	białowolski	białowolski	NOUN
cjfa-3243	108	27	2012	2012	NUM
cjfa-3243	108	28	)	)	PUNCT
cjfa-3243	108	29	.	.	PUNCT
cjfa-3243	109	1	the	the	DET
cjfa-3243	109	2	importance	importance	NOUN
cjfa-3243	109	3	of	of	ADP
cjfa-3243	109	4	shadow	shadow	NOUN
cjfa-3243	109	5	banking	banking	NOUN
cjfa-3243	109	6	sector	sector	NOUN
cjfa-3243	109	7	entities	entity	NOUN
cjfa-3243	109	8	for	for	ADP
cjfa-3243	109	9	population	population	NOUN
cjfa-3243	109	10	197	197	NUM
cjfa-3243	109	11	another	another	DET
cjfa-3243	109	12	important	important	ADJ
cjfa-3243	109	13	advantage	advantage	NOUN
cjfa-3243	109	14	is	be	AUX
cjfa-3243	109	15	the	the	DET
cjfa-3243	109	16	fact	fact	NOUN
cjfa-3243	109	17	that	that	SCONJ
cjfa-3243	109	18	they	they	PRON
cjfa-3243	109	19	promote	promote	VERB
cjfa-3243	109	20	entrepreneurship	entrepreneurship	NOUN
cjfa-3243	109	21	among	among	ADP
cjfa-3243	109	22	the	the	DET
cjfa-3243	109	23	unemployed	unemployed	ADJ
cjfa-3243	109	24	,	,	PUNCT
cjfa-3243	109	25	deprived	deprive	VERB
cjfa-3243	109	26	of	of	ADP
cjfa-3243	109	27	opportunities	opportunity	NOUN
cjfa-3243	109	28	for	for	ADP
cjfa-3243	109	29	initiating	initiate	VERB
cjfa-3243	109	30	their	their	PRON
cjfa-3243	109	31	own	own	ADJ
cjfa-3243	109	32	business	business	NOUN
cjfa-3243	109	33	based	base	VERB
cjfa-3243	109	34	on	on	ADP
cjfa-3243	109	35	financial	financial	ADJ
cjfa-3243	109	36	means	mean	NOUN
cjfa-3243	109	37	at	at	ADP
cjfa-3243	109	38	their	their	PRON
cjfa-3243	109	39	disposition	disposition	NOUN
cjfa-3243	109	40	and	and	CCONJ
cjfa-3243	109	41	at	at	ADP
cjfa-3243	109	42	the	the	DET
cjfa-3243	109	43	same	same	ADJ
cjfa-3243	109	44	time	time	NOUN
cjfa-3243	109	45	unable	unable	ADJ
cjfa-3243	109	46	to	to	PART
cjfa-3243	109	47	apply	apply	VERB
cjfa-3243	109	48	for	for	ADP
cjfa-3243	109	49	them	they	PRON
cjfa-3243	109	50	at	at	ADP
cjfa-3243	109	51	banks	bank	NOUN
cjfa-3243	109	52	.	.	PUNCT
cjfa-3243	110	1	in	in	ADP
cjfa-3243	110	2	this	this	DET
cjfa-3243	110	3	area	area	NOUN
cjfa-3243	110	4	the	the	DET
cjfa-3243	110	5	significant	significant	ADJ
cjfa-3243	110	6	role	role	NOUN
cjfa-3243	110	7	is	be	AUX
cjfa-3243	110	8	played	play	VERB
cjfa-3243	110	9	by	by	ADP
cjfa-3243	110	10	microfinance	microfinance	NOUN
cjfa-3243	110	11	institutions	institution	NOUN
cjfa-3243	110	12	.	.	PUNCT
cjfa-3243	111	1	support	support	NOUN
cjfa-3243	111	2	they	they	PRON
cjfa-3243	111	3	provide	provide	VERB
cjfa-3243	111	4	allows	allow	VERB
cjfa-3243	111	5	borrowers	borrower	NOUN
cjfa-3243	111	6	to	to	PART
cjfa-3243	111	7	enter	enter	VERB
cjfa-3243	111	8	the	the	DET
cjfa-3243	111	9	job	job	NOUN
cjfa-3243	111	10	market	market	NOUN
cjfa-3243	111	11	,	,	PUNCT
cjfa-3243	111	12	earn	earn	VERB
cjfa-3243	111	13	money	money	NOUN
cjfa-3243	111	14	and	and	CCONJ
cjfa-3243	111	15	therefore	therefore	ADV
cjfa-3243	111	16	supply	supply	VERB
cjfa-3243	111	17	their	their	PRON
cjfa-3243	111	18	households	household	NOUN
cjfa-3243	111	19	with	with	ADP
cjfa-3243	111	20	income	income	NOUN
cjfa-3243	111	21	resulting	result	VERB
cjfa-3243	111	22	in	in	ADP
cjfa-3243	111	23	its	its	PRON
cjfa-3243	111	24	members	member	NOUN
cjfa-3243	111	25	life	life	NOUN
cjfa-3243	111	26	quality	quality	NOUN
cjfa-3243	111	27	improvement	improvement	NOUN
cjfa-3243	111	28	.	.	PUNCT
cjfa-3243	112	1	what	what	PRON
cjfa-3243	112	2	is	be	AUX
cjfa-3243	112	3	more	more	ADJ
cjfa-3243	112	4	,	,	PUNCT
cjfa-3243	112	5	microfinance	microfinance	NOUN
cjfa-3243	112	6	opens	open	VERB
cjfa-3243	112	7	opportunities	opportunity	NOUN
cjfa-3243	112	8	for	for	ADP
cjfa-3243	112	9	poor	poor	ADJ
cjfa-3243	112	10	people	people	NOUN
cjfa-3243	112	11	becoming	become	VERB
cjfa-3243	112	12	independent	independent	ADJ
cjfa-3243	112	13	and	and	CCONJ
cjfa-3243	112	14	in	in	ADP
cjfa-3243	112	15	consequence	consequence	NOUN
cjfa-3243	112	16	relieves	relieve	VERB
cjfa-3243	112	17	the	the	DET
cjfa-3243	112	18	financial	financial	ADJ
cjfa-3243	112	19	burden	burden	NOUN
cjfa-3243	112	20	of	of	ADP
cjfa-3243	112	21	the	the	DET
cjfa-3243	112	22	state	state	NOUN
cjfa-3243	112	23	(	(	PUNCT
cjfa-3243	112	24	social	social	ADJ
cjfa-3243	112	25	care	care	NOUN
cjfa-3243	112	26	)	)	PUNCT
cjfa-3243	112	27	.	.	PUNCT
cjfa-3243	113	1	additionally	additionally	ADV
cjfa-3243	113	2	,	,	PUNCT
cjfa-3243	113	3	the	the	DET
cjfa-3243	113	4	alternative	alternative	ADJ
cjfa-3243	113	5	financial	financial	ADJ
cjfa-3243	113	6	services	service	NOUN
cjfa-3243	113	7	providers	provider	NOUN
cjfa-3243	113	8	by	by	ADP
cjfa-3243	113	9	means	mean	NOUN
cjfa-3243	113	10	of	of	ADP
cjfa-3243	113	11	their	their	PRON
cjfa-3243	113	12	operations	operation	NOUN
cjfa-3243	113	13	in	in	ADP
cjfa-3243	113	14	developing	develop	VERB
cjfa-3243	113	15	countries	country	NOUN
cjfa-3243	113	16	and	and	CCONJ
cjfa-3243	113	17	inhabited	inhabit	VERB
cjfa-3243	113	18	by	by	ADP
cjfa-3243	113	19	poor	poor	ADJ
cjfa-3243	113	20	population	population	NOUN
cjfa-3243	113	21	,	,	PUNCT
cjfa-3243	113	22	support	support	VERB
cjfa-3243	113	23	personal	personal	ADJ
cjfa-3243	113	24	development	development	NOUN
cjfa-3243	113	25	of	of	ADP
cjfa-3243	113	26	potential	potential	ADJ
cjfa-3243	113	27	borrowers	borrower	NOUN
cjfa-3243	113	28	,	,	PUNCT
cjfa-3243	113	29	mainly	mainly	ADV
cjfa-3243	113	30	women	woman	NOUN
cjfa-3243	113	31	.	.	PUNCT
cjfa-3243	114	1	research	research	NOUN
cjfa-3243	114	2	results	result	NOUN
cjfa-3243	114	3	carried	carry	VERB
cjfa-3243	114	4	out	out	ADP
cjfa-3243	114	5	in	in	ADP
cjfa-3243	114	6	asian	asian	ADJ
cjfa-3243	114	7	villages	village	NOUN
cjfa-3243	114	8	,	,	PUNCT
cjfa-3243	114	9	where	where	SCONJ
cjfa-3243	114	10	microfinance	microfinance	NOUN
cjfa-3243	114	11	institutions	institution	NOUN
cjfa-3243	114	12	are	be	AUX
cjfa-3243	114	13	very	very	ADV
cjfa-3243	114	14	active	active	ADJ
cjfa-3243	114	15	,	,	PUNCT
cjfa-3243	114	16	indicate	indicate	VERB
cjfa-3243	114	17	that	that	SCONJ
cjfa-3243	114	18	illiteracy	illiteracy	NOUN
cjfa-3243	114	19	rate	rate	NOUN
cjfa-3243	114	20	among	among	ADP
cjfa-3243	114	21	women	woman	NOUN
cjfa-3243	114	22	in	in	ADP
cjfa-3243	114	23	these	these	DET
cjfa-3243	114	24	areas	area	NOUN
cjfa-3243	114	25	dropped	drop	VERB
cjfa-3243	114	26	since	since	SCONJ
cjfa-3243	114	27	they	they	PRON
cjfa-3243	114	28	have	have	VERB
cjfa-3243	114	29	their	their	PRON
cjfa-3243	114	30	own	own	ADJ
cjfa-3243	114	31	capital	capital	NOUN
cjfa-3243	114	32	,	,	PUNCT
cjfa-3243	114	33	or	or	CCONJ
cjfa-3243	114	34	property	property	NOUN
cjfa-3243	114	35	(	(	PUNCT
cjfa-3243	114	36	e.g.	e.g.	ADV
cjfa-3243	114	37	land	land	NOUN
cjfa-3243	114	38	)	)	PUNCT
cjfa-3243	114	39	at	at	ADP
cjfa-3243	114	40	their	their	PRON
cjfa-3243	114	41	disposal	disposal	NOUN
cjfa-3243	114	42	,	,	PUNCT
cjfa-3243	114	43	they	they	PRON
cjfa-3243	114	44	participate	participate	VERB
cjfa-3243	114	45	in	in	ADP
cjfa-3243	114	46	undertaking	undertake	VERB
cjfa-3243	114	47	decisions	decision	NOUN
cjfa-3243	114	48	about	about	ADP
cjfa-3243	114	49	their	their	PRON
cjfa-3243	114	50	own	own	ADJ
cjfa-3243	114	51	household	household	NOUN
cjfa-3243	114	52	,	,	PUNCT
cjfa-3243	114	53	they	they	PRON
cjfa-3243	114	54	are	be	AUX
cjfa-3243	114	55	victims	victim	NOUN
cjfa-3243	114	56	of	of	ADP
cjfa-3243	114	57	domestic	domestic	ADJ
cjfa-3243	114	58	violence	violence	NOUN
cjfa-3243	114	59	less	less	ADV
cjfa-3243	114	60	often	often	ADV
cjfa-3243	114	61	(	(	PUNCT
cjfa-3243	114	62	dowla	dowla	NOUN
cjfa-3243	114	63	,	,	PUNCT
cjfa-3243	114	64	barua	barua	PROPN
cjfa-3243	114	65	2006	2006	NUM
cjfa-3243	114	66	)	)	PUNCT
cjfa-3243	114	67	.	.	PUNCT
cjfa-3243	115	1	the	the	DET
cjfa-3243	115	2	operations	operation	NOUN
cjfa-3243	115	3	performed	perform	VERB
cjfa-3243	115	4	by	by	ADP
cjfa-3243	115	5	alternative	alternative	ADJ
cjfa-3243	115	6	financial	financial	ADJ
cjfa-3243	115	7	services	service	NOUN
cjfa-3243	115	8	providers	provider	NOUN
cjfa-3243	115	9	steal	steal	VERB
cjfa-3243	115	10	,	,	PUNCT
cjfa-3243	115	11	to	to	ADP
cjfa-3243	115	12	an	an	DET
cjfa-3243	115	13	extent	extent	NOUN
cjfa-3243	115	14	,	,	PUNCT
cjfa-3243	115	15	clients	client	NOUN
cjfa-3243	115	16	from	from	ADP
cjfa-3243	115	17	the	the	DET
cjfa-3243	115	18	leading	lead	VERB
cjfa-3243	115	19	financial	financial	ADJ
cjfa-3243	115	20	institutions	institution	NOUN
cjfa-3243	115	21	(	(	PUNCT
cjfa-3243	115	22	the	the	DET
cjfa-3243	115	23	internet	internet	PROPN
cjfa-3243	115	24	micro	micro	NOUN
cjfa-3243	115	25	-	-	NOUN
cjfa-3243	115	26	loans	loan	NOUN
cjfa-3243	115	27	are	be	AUX
cjfa-3243	115	28	an	an	DET
cjfa-3243	115	29	exception	exception	NOUN
cjfa-3243	115	30	)	)	PUNCT
cjfa-3243	115	31	,	,	PUNCT
cjfa-3243	115	32	which	which	PRON
cjfa-3243	115	33	results	result	VERB
cjfa-3243	115	34	in	in	ADP
cjfa-3243	115	35	an	an	DET
cjfa-3243	115	36	intensified	intensify	VERB
cjfa-3243	115	37	competition	competition	NOUN
cjfa-3243	115	38	battle	battle	NOUN
cjfa-3243	115	39	between	between	ADP
cjfa-3243	115	40	them	they	PRON
cjfa-3243	115	41	which	which	PRON
cjfa-3243	115	42	can	can	AUX
cjfa-3243	115	43	result	result	VERB
cjfa-3243	115	44	in	in	ADP
cjfa-3243	115	45	more	more	ADV
cjfa-3243	115	46	favourable	favourable	ADJ
cjfa-3243	115	47	terms	term	NOUN
cjfa-3243	115	48	and	and	CCONJ
cjfa-3243	115	49	conditions	condition	NOUN
cjfa-3243	115	50	of	of	ADP
cjfa-3243	115	51	financial	financial	ADJ
cjfa-3243	115	52	products	product	NOUN
cjfa-3243	115	53	offered	offer	VERB
cjfa-3243	115	54	by	by	ADP
cjfa-3243	115	55	the	the	DET
cjfa-3243	115	56	latter	latter	ADJ
cjfa-3243	115	57	entities	entity	NOUN
cjfa-3243	115	58	and	and	CCONJ
cjfa-3243	115	59	the	the	DET
cjfa-3243	115	60	recognition	recognition	NOUN
cjfa-3243	115	61	of	of	ADP
cjfa-3243	115	62	financial	financial	ADJ
cjfa-3243	115	63	exclusion	exclusion	NOUN
cjfa-3243	115	64	problem	problem	NOUN
cjfa-3243	115	65	.	.	PUNCT
cjfa-3243	116	1	5	5	X
cjfa-3243	116	2	.	.	X
cjfa-3243	116	3	threats	threat	NOUN
cjfa-3243	116	4	related	relate	VERB
cjfa-3243	116	5	to	to	ADP
cjfa-3243	116	6	operations	operation	NOUN
cjfa-3243	116	7	performed	perform	VERB
cjfa-3243	116	8	by	by	ADP
cjfa-3243	116	9	shadow	shadow	NOUN
cjfa-3243	116	10	banking	banking	NOUN
cjfa-3243	116	11	sector	sector	NOUN
cjfa-3243	116	12	entities	entity	NOUN
cjfa-3243	116	13	for	for	ADP
cjfa-3243	116	14	population	population	NOUN
cjfa-3243	116	15	affected	affect	VERB
cjfa-3243	116	16	by	by	ADP
cjfa-3243	116	17	credit	credit	NOUN
cjfa-3243	116	18	exclusion	exclusion	NOUN
cjfa-3243	116	19	the	the	DET
cjfa-3243	116	20	advantage	advantage	NOUN
cjfa-3243	116	21	of	of	ADP
cjfa-3243	116	22	an	an	DET
cjfa-3243	116	23	opportunity	opportunity	NOUN
cjfa-3243	116	24	to	to	PART
cjfa-3243	116	25	take	take	VERB
cjfa-3243	116	26	out	out	ADP
cjfa-3243	116	27	a	a	DET
cjfa-3243	116	28	loan	loan	NOUN
cjfa-3243	116	29	from	from	ADP
cjfa-3243	116	30	many	many	ADJ
cjfa-3243	116	31	alternative	alternative	ADJ
cjfa-3243	116	32	financial	financial	ADJ
cjfa-3243	116	33	intermediaries	intermediary	NOUN
cjfa-3243	116	34	may	may	AUX
cjfa-3243	116	35	,	,	PUNCT
cjfa-3243	116	36	in	in	ADP
cjfa-3243	116	37	case	case	NOUN
cjfa-3243	116	38	of	of	ADP
cjfa-3243	116	39	financially	financially	ADV
cjfa-3243	116	40	excluded	exclude	VERB
cjfa-3243	116	41	individuals	individual	NOUN
cjfa-3243	116	42	,	,	PUNCT
cjfa-3243	116	43	simultaneously	simultaneously	ADV
cjfa-3243	116	44	result	result	VERB
cjfa-3243	116	45	in	in	ADP
cjfa-3243	116	46	over	over	ADP
cjfa-3243	116	47	indebtedness	indebtedness	NOUN
cjfa-3243	116	48	(	(	PUNCT
cjfa-3243	116	49	such	such	ADJ
cjfa-3243	116	50	situation	situation	NOUN
cjfa-3243	116	51	means	mean	VERB
cjfa-3243	116	52	no	no	DET
cjfa-3243	116	53	possibility	possibility	NOUN
cjfa-3243	116	54	to	to	PART
cjfa-3243	116	55	meet	meet	VERB
cjfa-3243	116	56	deadlines	deadline	NOUN
cjfa-3243	116	57	of	of	ADP
cjfa-3243	116	58	all	all	DET
cjfa-3243	116	59	contracted	contract	VERB
cjfa-3243	116	60	debts	debt	NOUN
cjfa-3243	116	61	)	)	PUNCT
cjfa-3243	116	62	.	.	PUNCT
cjfa-3243	117	1	if	if	SCONJ
cjfa-3243	117	2	it	it	PRON
cjfa-3243	117	3	is	be	AUX
cjfa-3243	117	4	the	the	DET
cjfa-3243	117	5	case	case	NOUN
cjfa-3243	117	6	,	,	PUNCT
cjfa-3243	117	7	the	the	DET
cjfa-3243	117	8	instalments	instalment	NOUN
cjfa-3243	117	9	for	for	ADP
cjfa-3243	117	10	one	one	NUM
cjfa-3243	117	11	entity	entity	NOUN
cjfa-3243	117	12	are	be	AUX
cjfa-3243	117	13	paid	pay	VERB
cjfa-3243	117	14	by	by	ADP
cjfa-3243	117	15	means	mean	NOUN
cjfa-3243	117	16	of	of	ADP
cjfa-3243	117	17	the	the	DET
cjfa-3243	117	18	loan	loan	NOUN
cjfa-3243	117	19	taken	take	VERB
cjfa-3243	117	20	out	out	ADP
cjfa-3243	117	21	at	at	ADP
cjfa-3243	117	22	another	another	DET
cjfa-3243	117	23	one	one	NOUN
cjfa-3243	117	24	and	and	CCONJ
cjfa-3243	117	25	therefore	therefore	ADV
cjfa-3243	117	26	the	the	DET
cjfa-3243	117	27	loop	loop	NOUN
cjfa-3243	117	28	of	of	ADP
cjfa-3243	117	29	indebtedness	indebtedness	NOUN
cjfa-3243	117	30	keeps	keep	VERB
cjfa-3243	117	31	escalating	escalate	VERB
cjfa-3243	117	32	.	.	PUNCT
cjfa-3243	118	1	data	datum	NOUN
cjfa-3243	118	2	included	include	VERB
cjfa-3243	118	3	in	in	ADP
cjfa-3243	118	4	p.	p.	PROPN
cjfa-3243	118	5	białowolski	białowolski	PROPN
cjfa-3243	118	6	’s	’s	PART
cjfa-3243	118	7	report	report	NOUN
cjfa-3243	118	8	(	(	PUNCT
cjfa-3243	118	9	2012	2012	NUM
cjfa-3243	118	10	)	)	PUNCT
cjfa-3243	118	11	confirm	confirm	VERB
cjfa-3243	118	12	that	that	SCONJ
cjfa-3243	118	13	every	every	DET
cjfa-3243	118	14	seventh	seventh	ADJ
cjfa-3243	118	15	polish	polish	ADJ
cjfa-3243	118	16	household	household	NOUN
cjfa-3243	118	17	indebted	indebte	VERB
cjfa-3243	118	18	in	in	ADP
cjfa-3243	118	19	the	the	DET
cjfa-3243	118	20	non	non	ADJ
cjfa-3243	118	21	-	-	ADJ
cjfa-3243	118	22	banking	banking	ADJ
cjfa-3243	118	23	loan	loan	NOUN
cjfa-3243	118	24	sector	sector	NOUN
cjfa-3243	118	25	uses	use	VERB
cjfa-3243	118	26	the	the	DET
cjfa-3243	118	27	obtained	obtain	VERB
cjfa-3243	118	28	means	mean	NOUN
cjfa-3243	118	29	to	to	PART
cjfa-3243	118	30	pay	pay	VERB
cjfa-3243	118	31	back	back	ADP
cjfa-3243	118	32	previous	previous	ADJ
cjfa-3243	118	33	commitments	commitment	NOUN
cjfa-3243	118	34	.	.	PUNCT
cjfa-3243	119	1	as	as	ADP
cjfa-3243	119	2	the	the	DET
cjfa-3243	119	3	result	result	NOUN
cjfa-3243	119	4	the	the	DET
cjfa-3243	119	5	problem	problem	NOUN
cjfa-3243	119	6	of	of	ADP
cjfa-3243	119	7	financial	financial	ADJ
cjfa-3243	119	8	exclusion	exclusion	NOUN
cjfa-3243	119	9	may	may	AUX
cjfa-3243	119	10	become	become	VERB
cjfa-3243	119	11	even	even	ADV
cjfa-3243	119	12	stronger	strong	ADJ
cjfa-3243	119	13	and	and	CCONJ
cjfa-3243	119	14	unmałgorzata	unmałgorzata	VERB
cjfa-3243	119	15	solarz198	solarz198	NOUN
cjfa-3243	119	16	fortunately	fortunately	ADV
cjfa-3243	119	17	the	the	DET
cjfa-3243	119	18	number	number	NOUN
cjfa-3243	119	19	of	of	ADP
cjfa-3243	119	20	over	over	ADP
cjfa-3243	119	21	indebted	indebted	ADJ
cjfa-3243	119	22	population	population	NOUN
cjfa-3243	119	23	in	in	ADP
cjfa-3243	119	24	poland	poland	PROPN
cjfa-3243	119	25	keeps	keeps	AUX
cjfa-3243	119	26	growing	growing	AUX
cjfa-3243	119	27	steadily	steadily	ADV
cjfa-3243	119	28	presenting	present	VERB
cjfa-3243	119	29	the	the	DET
cjfa-3243	119	30	level	level	NOUN
cjfa-3243	119	31	of	of	ADP
cjfa-3243	119	32	300	300	NUM
cjfa-3243	119	33	000	000	NUM
cjfa-3243	119	34	people	people	NOUN
cjfa-3243	119	35	.	.	PUNCT
cjfa-3243	120	1	the	the	DET
cjfa-3243	120	2	problem	problem	NOUN
cjfa-3243	120	3	of	of	ADP
cjfa-3243	120	4	excessive	excessive	ADJ
cjfa-3243	120	5	debt	debt	NOUN
cjfa-3243	120	6	occurring	occur	VERB
cjfa-3243	120	7	at	at	ADP
cjfa-3243	120	8	the	the	DET
cjfa-3243	120	9	microloans	microloan	NOUN
cjfa-3243	120	10	market	market	NOUN
cjfa-3243	120	11	was	be	AUX
cjfa-3243	120	12	noticed	notice	VERB
cjfa-3243	120	13	by	by	ADP
cjfa-3243	120	14	scientists	scientist	NOUN
cjfa-3243	120	15	from	from	ADP
cjfa-3243	120	16	the	the	DET
cjfa-3243	120	17	university	university	NOUN
cjfa-3243	120	18	of	of	ADP
cjfa-3243	120	19	zurich	zurich	PROPN
cjfa-3243	120	20	and	and	CCONJ
cjfa-3243	120	21	their	their	PRON
cjfa-3243	120	22	conclusions	conclusion	NOUN
cjfa-3243	120	23	,	,	PUNCT
cjfa-3243	120	24	to	to	ADP
cjfa-3243	120	25	a	a	DET
cjfa-3243	120	26	large	large	ADJ
cjfa-3243	120	27	extent	extent	NOUN
cjfa-3243	120	28	,	,	PUNCT
cjfa-3243	120	29	also	also	ADV
cjfa-3243	120	30	confirm	confirm	VERB
cjfa-3243	120	31	the	the	DET
cjfa-3243	120	32	consequences	consequence	NOUN
cjfa-3243	120	33	of	of	ADP
cjfa-3243	120	34	activities	activity	NOUN
cjfa-3243	120	35	performed	perform	VERB
cjfa-3243	120	36	by	by	ADP
cjfa-3243	120	37	the	the	DET
cjfa-3243	120	38	remaining	remain	VERB
cjfa-3243	120	39	alternative	alternative	ADJ
cjfa-3243	120	40	loan	loan	NOUN
cjfa-3243	120	41	granting	grant	VERB
cjfa-3243	120	42	institutions	institution	NOUN
cjfa-3243	120	43	.	.	PUNCT
cjfa-3243	121	1	unrestrained	unrestrained	ADJ
cjfa-3243	121	2	access	access	NOUN
cjfa-3243	121	3	to	to	ADP
cjfa-3243	121	4	financing	financing	NOUN
cjfa-3243	121	5	sources	source	NOUN
cjfa-3243	121	6	,	,	PUNCT
cjfa-3243	121	7	especially	especially	ADV
cjfa-3243	121	8	in	in	ADP
cjfa-3243	121	9	case	case	NOUN
cjfa-3243	121	10	of	of	ADP
cjfa-3243	121	11	individuals	individual	NOUN
cjfa-3243	121	12	who	who	PRON
cjfa-3243	121	13	can	can	AUX
cjfa-3243	121	14	not	not	PART
cjfa-3243	121	15	manage	manage	VERB
cjfa-3243	121	16	their	their	PRON
cjfa-3243	121	17	personal	personal	ADJ
cjfa-3243	121	18	finance	finance	NOUN
cjfa-3243	121	19	satisfactorily	satisfactorily	ADV
cjfa-3243	121	20	,	,	PUNCT
cjfa-3243	121	21	instead	instead	ADV
cjfa-3243	121	22	of	of	ADP
cjfa-3243	121	23	their	their	PRON
cjfa-3243	121	24	household	household	NOUN
cjfa-3243	121	25	economic	economic	ADJ
cjfa-3243	121	26	situation	situation	NOUN
cjfa-3243	121	27	improvement	improvement	NOUN
cjfa-3243	121	28	,	,	PUNCT
cjfa-3243	121	29	can	can	AUX
cjfa-3243	121	30	result	result	VERB
cjfa-3243	121	31	in	in	ADP
cjfa-3243	121	32	deeper	deep	ADJ
cjfa-3243	121	33	poverty	poverty	NOUN
cjfa-3243	121	34	while	while	SCONJ
cjfa-3243	121	35	the	the	DET
cjfa-3243	121	36	building	building	NOUN
cjfa-3243	121	37	up	up	ADP
cjfa-3243	121	38	stress	stress	NOUN
cjfa-3243	121	39	may	may	AUX
cjfa-3243	121	40	even	even	ADV
cjfa-3243	121	41	end	end	VERB
cjfa-3243	121	42	up	up	ADP
cjfa-3243	121	43	in	in	ADP
cjfa-3243	121	44	a	a	DET
cjfa-3243	121	45	nervous	nervous	ADJ
cjfa-3243	121	46	break	break	NOUN
cjfa-3243	121	47	down	down	ADP
cjfa-3243	121	48	or	or	CCONJ
cjfa-3243	121	49	a	a	DET
cjfa-3243	121	50	suicide	suicide	NOUN
cjfa-3243	121	51	of	of	ADP
cjfa-3243	121	52	an	an	DET
cjfa-3243	121	53	affected	affected	ADJ
cjfa-3243	121	54	individual	individual	NOUN
cjfa-3243	121	55	(	(	PUNCT
cjfa-3243	121	56	kappel	kappel	VERB
cjfa-3243	121	57	i	i	PRON
cjfa-3243	121	58	in	in	ADP
cjfa-3243	121	59	.	.	PUNCT
cjfa-3243	121	60	2010	2010	NUM
cjfa-3243	121	61	)	)	PUNCT
cjfa-3243	121	62	.	.	PUNCT
cjfa-3243	122	1	in	in	ADP
cjfa-3243	122	2	2010	2010	NUM
cjfa-3243	122	3	there	there	PRON
cjfa-3243	122	4	were	be	VERB
cjfa-3243	122	5	reported	report	VERB
cjfa-3243	122	6	cases	case	NOUN
cjfa-3243	122	7	of	of	ADP
cjfa-3243	122	8	suicides	suicide	NOUN
cjfa-3243	122	9	among	among	ADP
cjfa-3243	122	10	women	woman	NOUN
cjfa-3243	122	11	who	who	PRON
cjfa-3243	122	12	borrowed	borrow	VERB
cjfa-3243	122	13	money	money	NOUN
cjfa-3243	122	14	from	from	ADP
cjfa-3243	122	15	ska	ska	ADJ
cjfa-3243	122	16	microfinance	microfinance	NOUN
cjfa-3243	122	17	in	in	ADP
cjfa-3243	122	18	india	india	PROPN
cjfa-3243	122	19	and	and	CCONJ
cjfa-3243	122	20	had	have	VERB
cjfa-3243	122	21	problems	problem	NOUN
cjfa-3243	122	22	with	with	ADP
cjfa-3243	122	23	their	their	PRON
cjfa-3243	122	24	repayment	repayment	NOUN
cjfa-3243	122	25	.	.	PUNCT
cjfa-3243	123	1	this	this	DET
cjfa-3243	123	2	institution	institution	NOUN
cjfa-3243	123	3	was	be	AUX
cjfa-3243	123	4	established	establish	VERB
cjfa-3243	123	5	in	in	ADP
cjfa-3243	123	6	1997	1997	NUM
cjfa-3243	123	7	as	as	ADP
cjfa-3243	123	8	a	a	DET
cjfa-3243	123	9	non	non	ADJ
cjfa-3243	123	10	-	-	ADJ
cjfa-3243	123	11	profit	profit	ADJ
cjfa-3243	123	12	organization	organization	NOUN
cjfa-3243	123	13	and	and	CCONJ
cjfa-3243	123	14	in	in	ADP
cjfa-3243	123	15	the	the	DET
cjfa-3243	123	16	initial	initial	ADJ
cjfa-3243	123	17	period	period	NOUN
cjfa-3243	123	18	of	of	ADP
cjfa-3243	123	19	its	its	PRON
cjfa-3243	123	20	functioning	functioning	NOUN
cjfa-3243	123	21	it	it	PRON
cjfa-3243	123	22	was	be	AUX
cjfa-3243	123	23	cooperating	cooperate	VERB
cjfa-3243	123	24	with	with	ADP
cjfa-3243	123	25	grameen	grameen	PROPN
cjfa-3243	123	26	bank	bank	PROPN
cjfa-3243	123	27	founded	found	VERB
cjfa-3243	123	28	by	by	ADP
cjfa-3243	123	29	m.	m.	PROPN
cjfa-3243	123	30	yunus	yunus	PROPN
cjfa-3243	123	31	,	,	PUNCT
cjfa-3243	123	32	awarded	award	VERB
cjfa-3243	123	33	with	with	ADP
cjfa-3243	123	34	the	the	DET
cjfa-3243	123	35	nobel	nobel	PROPN
cjfa-3243	123	36	peace	peace	PROPN
cjfa-3243	123	37	prize	prize	PROPN
cjfa-3243	123	38	,	,	PUNCT
cjfa-3243	123	39	and	and	CCONJ
cjfa-3243	123	40	implemented	implement	VERB
cjfa-3243	123	41	his	his	PRON
cjfa-3243	123	42	noble	noble	ADJ
cjfa-3243	123	43	ideas	idea	NOUN
cjfa-3243	123	44	.	.	PUNCT
cjfa-3243	124	1	the	the	DET
cjfa-3243	124	2	success	success	NOUN
cjfa-3243	124	3	of	of	ADP
cjfa-3243	124	4	microloans	microloan	NOUN
cjfa-3243	124	5	attracted	attract	VERB
cjfa-3243	124	6	investors	investor	NOUN
cjfa-3243	124	7	,	,	PUNCT
cjfa-3243	124	8	venture	venture	NOUN
cjfa-3243	124	9	capital	capital	NOUN
cjfa-3243	124	10	funds	fund	NOUN
cjfa-3243	124	11	of	of	ADP
cjfa-3243	124	12	commercial	commercial	ADJ
cjfa-3243	124	13	nature	nature	NOUN
cjfa-3243	124	14	.	.	PUNCT
cjfa-3243	125	1	unfortunately	unfortunately	ADV
cjfa-3243	125	2	the	the	DET
cjfa-3243	125	3	new	new	ADJ
cjfa-3243	125	4	owners	owner	NOUN
cjfa-3243	125	5	have	have	AUX
cjfa-3243	125	6	changed	change	VERB
cjfa-3243	125	7	radically	radically	ADV
cjfa-3243	125	8	both	both	DET
cjfa-3243	125	9	values	value	NOUN
cjfa-3243	125	10	and	and	CCONJ
cjfa-3243	125	11	methods	method	NOUN
cjfa-3243	125	12	of	of	ADP
cjfa-3243	125	13	functioning	function	VERB
cjfa-3243	125	14	and	and	CCONJ
cjfa-3243	125	15	focused	focus	VERB
cjfa-3243	125	16	on	on	ADP
cjfa-3243	125	17	profit	profit	NOUN
cjfa-3243	125	18	maximizing	maximize	VERB
cjfa-3243	125	19	not	not	PART
cjfa-3243	125	20	necessarily	necessarily	ADV
cjfa-3243	125	21	perceived	perceive	VERB
cjfa-3243	125	22	from	from	ADP
cjfa-3243	125	23	the	the	DET
cjfa-3243	125	24	perspective	perspective	NOUN
cjfa-3243	125	25	of	of	ADP
cjfa-3243	125	26	social	social	ADJ
cjfa-3243	125	27	benefits	benefit	NOUN
cjfa-3243	125	28	(	(	PUNCT
cjfa-3243	125	29	janikowska	janikowska	PROPN
cjfa-3243	125	30	2011	2011	NUM
cjfa-3243	125	31	,	,	PUNCT
cjfa-3243	125	32	75–83	75–83	NUM
cjfa-3243	125	33	)	)	PUNCT
cjfa-3243	125	34	.	.	PUNCT
cjfa-3243	126	1	at	at	ADP
cjfa-3243	126	2	this	this	DET
cjfa-3243	126	3	point	point	NOUN
cjfa-3243	126	4	it	it	PRON
cjfa-3243	126	5	is	be	AUX
cjfa-3243	126	6	worth	worth	ADJ
cjfa-3243	126	7	mentioning	mention	VERB
cjfa-3243	126	8	that	that	SCONJ
cjfa-3243	126	9	the	the	DET
cjfa-3243	126	10	debt	debt	NOUN
cjfa-3243	126	11	spiral	spiral	NOUN
cjfa-3243	126	12	deprives	deprive	VERB
cjfa-3243	126	13	over	over	ADP
cjfa-3243	126	14	-	-	PUNCT
cjfa-3243	126	15	indebted	indebte	VERB
cjfa-3243	126	16	persons	person	NOUN
cjfa-3243	126	17	from	from	ADP
cjfa-3243	126	18	taking	take	VERB
cjfa-3243	126	19	advantage	advantage	NOUN
cjfa-3243	126	20	of	of	ADP
cjfa-3243	126	21	consumer	consumer	NOUN
cjfa-3243	126	22	bankruptcy	bankruptcy	NOUN
cjfa-3243	126	23	procedure	procedure	NOUN
cjfa-3243	126	24	(	(	PUNCT
cjfa-3243	126	25	see	see	VERB
cjfa-3243	126	26	“	"	PUNCT
cjfa-3243	126	27	official	official	ADJ
cjfa-3243	126	28	gazette	gazette	NOUN
cjfa-3243	126	29	”	"	PUNCT
cjfa-3243	126	30	of	of	ADP
cjfa-3243	126	31	2008	2008	NUM
cjfa-3243	126	32	no	no	NOUN
cjfa-3243	126	33	.	.	PROPN
cjfa-3243	126	34	234	234	NUM
cjfa-3243	126	35	,	,	PUNCT
cjfa-3243	126	36	item	item	NOUN
cjfa-3243	126	37	1572	1572	NUM
cjfa-3243	126	38	)	)	PUNCT
cjfa-3243	126	39	.	.	PUNCT
cjfa-3243	127	1	the	the	PRON
cjfa-3243	127	2	mentioned	mention	VERB
cjfa-3243	127	3	above	above	ADP
cjfa-3243	127	4	legislation	legislation	NOUN
cjfa-3243	127	5	allows	allow	VERB
cjfa-3243	127	6	,	,	PUNCT
cjfa-3243	127	7	once	once	ADV
cjfa-3243	127	8	in	in	ADP
cjfa-3243	127	9	ten	ten	NUM
cjfa-3243	127	10	years	year	NOUN
cjfa-3243	127	11	,	,	PUNCT
cjfa-3243	127	12	to	to	PART
cjfa-3243	127	13	get	get	AUX
cjfa-3243	127	14	rid	rid	VERB
cjfa-3243	127	15	of	of	ADP
cjfa-3243	127	16	debt	debt	NOUN
cjfa-3243	127	17	through	through	ADP
cjfa-3243	127	18	declaring	declare	VERB
cjfa-3243	127	19	bankruptcy	bankruptcy	NOUN
cjfa-3243	127	20	by	by	ADP
cjfa-3243	127	21	an	an	DET
cjfa-3243	127	22	insolvent	insolvent	ADJ
cjfa-3243	127	23	natural	natural	ADJ
cjfa-3243	127	24	person	person	NOUN
cjfa-3243	127	25	,	,	PUNCT
cjfa-3243	127	26	who	who	PRON
cjfa-3243	127	27	owing	owe	VERB
cjfa-3243	127	28	to	to	ADP
cjfa-3243	127	29	random	random	ADJ
cjfa-3243	127	30	events	event	NOUN
cjfa-3243	127	31	beyond	beyond	ADP
cjfa-3243	127	32	any	any	PRON
cjfa-3243	127	33	of	of	ADP
cjfa-3243	127	34	his/	his/	NUM
cjfa-3243	127	35	 	 	SPACE
cjfa-3243	127	36	her	her	PRON
cjfa-3243	127	37	influence	influence	NOUN
cjfa-3243	127	38	,	,	PUNCT
cjfa-3243	127	39	became	become	VERB
cjfa-3243	127	40	insolvent	insolvent	ADJ
cjfa-3243	127	41	.	.	PUNCT
cjfa-3243	128	1	the	the	DET
cjfa-3243	128	2	disadvantage	disadvantage	NOUN
cjfa-3243	128	3	of	of	ADP
cjfa-3243	128	4	social	social	ADJ
cjfa-3243	128	5	lending	lending	NOUN
cjfa-3243	128	6	,	,	PUNCT
cjfa-3243	128	7	as	as	ADP
cjfa-3243	128	8	the	the	DET
cjfa-3243	128	9	tool	tool	NOUN
cjfa-3243	128	10	for	for	ADP
cjfa-3243	128	11	fighting	fight	VERB
cjfa-3243	128	12	social	social	ADJ
cjfa-3243	128	13	exclusion	exclusion	NOUN
cjfa-3243	128	14	,	,	PUNCT
cjfa-3243	128	15	is	be	AUX
cjfa-3243	128	16	manifested	manifest	VERB
cjfa-3243	128	17	in	in	ADP
cjfa-3243	128	18	the	the	DET
cjfa-3243	128	19	fact	fact	NOUN
cjfa-3243	128	20	that	that	SCONJ
cjfa-3243	128	21	it	it	PRON
cjfa-3243	128	22	does	do	AUX
cjfa-3243	128	23	not	not	PART
cjfa-3243	128	24	work	work	VERB
cjfa-3243	128	25	for	for	ADP
cjfa-3243	128	26	poor	poor	ADJ
cjfa-3243	128	27	families	family	NOUN
cjfa-3243	128	28	who	who	PRON
cjfa-3243	128	29	do	do	AUX
cjfa-3243	128	30	not	not	PART
cjfa-3243	128	31	have	have	VERB
cjfa-3243	128	32	computer	computer	NOUN
cjfa-3243	128	33	or	or	CCONJ
cjfa-3243	128	34	the	the	DET
cjfa-3243	128	35	internet	internet	NOUN
cjfa-3243	128	36	access	access	NOUN
cjfa-3243	128	37	.	.	PUNCT
cjfa-3243	129	1	the	the	DET
cjfa-3243	129	2	absence	absence	NOUN
cjfa-3243	129	3	of	of	ADP
cjfa-3243	129	4	adequate	adequate	ADJ
cjfa-3243	129	5	equipment	equipment	NOUN
cjfa-3243	129	6	is	be	AUX
cjfa-3243	129	7	frequently	frequently	ADV
cjfa-3243	129	8	accompanied	accompany	VERB
cjfa-3243	129	9	by	by	ADP
cjfa-3243	129	10	the	the	DET
cjfa-3243	129	11	inability	inability	NOUN
cjfa-3243	129	12	of	of	ADP
cjfa-3243	129	13	using	use	VERB
cjfa-3243	129	14	it	it	PRON
cjfa-3243	129	15	and	and	CCONJ
cjfa-3243	129	16	functioning	function	VERB
cjfa-3243	129	17	in	in	ADP
cjfa-3243	129	18	the	the	DET
cjfa-3243	129	19	virtual	virtual	ADJ
cjfa-3243	129	20	world	world	NOUN
cjfa-3243	129	21	and	and	CCONJ
cjfa-3243	129	22	therefore	therefore	ADV
cjfa-3243	129	23	entering	enter	VERB
cjfa-3243	129	24	into	into	ADP
cjfa-3243	129	25	social	social	ADJ
cjfa-3243	129	26	lending	lending	NOUN
cjfa-3243	129	27	type	type	NOUN
cjfa-3243	129	28	of	of	ADP
cjfa-3243	129	29	agreements	agreement	NOUN
cjfa-3243	129	30	(	(	PUNCT
cjfa-3243	129	31	solarz	solarz	PROPN
cjfa-3243	129	32	2011	2011	NUM
cjfa-3243	129	33	,	,	PUNCT
cjfa-3243	129	34	179–192	179–192	NUM
cjfa-3243	129	35	)	)	PUNCT
cjfa-3243	129	36	.	.	PUNCT
cjfa-3243	129	37	 	 	SPACE
cjfa-3243	130	1	conclusions	conclusion	NOUN
cjfa-3243	130	2	both	both	CCONJ
cjfa-3243	130	3	europe	europe	PROPN
cjfa-3243	130	4	and	and	CCONJ
cjfa-3243	130	5	poland	poland	PROPN
cjfa-3243	130	6	experience	experience	VERB
cjfa-3243	130	7	the	the	DET
cjfa-3243	130	8	results	result	NOUN
cjfa-3243	130	9	of	of	ADP
cjfa-3243	130	10	global	global	ADJ
cjfa-3243	130	11	financial	financial	ADJ
cjfa-3243	130	12	crisis	crisis	NOUN
cjfa-3243	130	13	manifested	manifest	VERB
cjfa-3243	130	14	by	by	ADP
cjfa-3243	130	15	more	more	ADJ
cjfa-3243	130	16	prudent	prudent	ADJ
cjfa-3243	130	17	credit	credit	NOUN
cjfa-3243	130	18	decisions	decision	NOUN
cjfa-3243	130	19	undertaken	undertake	VERB
cjfa-3243	130	20	by	by	ADP
cjfa-3243	130	21	banks	bank	NOUN
cjfa-3243	130	22	.	.	PUNCT
cjfa-3243	131	1	these	these	DET
cjfa-3243	131	2	institutions	institution	NOUN
cjfa-3243	131	3	,	,	PUNCT
cjfa-3243	131	4	having	having	AUX
cjfa-3243	131	5	considered	consider	VERB
cjfa-3243	131	6	higher	high	ADJ
cjfa-3243	131	7	risk	risk	NOUN
cjfa-3243	131	8	,	,	PUNCT
cjfa-3243	131	9	but	but	CCONJ
cjfa-3243	131	10	also	also	ADV
cjfa-3243	131	11	new	new	ADJ
cjfa-3243	131	12	,	,	PUNCT
cjfa-3243	131	13	more	more	ADV
cjfa-3243	131	14	stringent	stringent	ADJ
cjfa-3243	131	15	prudential	prudential	NOUN
cjfa-3243	131	16	the	the	DET
cjfa-3243	131	17	importance	importance	NOUN
cjfa-3243	131	18	of	of	ADP
cjfa-3243	131	19	shadow	shadow	NOUN
cjfa-3243	131	20	banking	banking	NOUN
cjfa-3243	131	21	sector	sector	NOUN
cjfa-3243	131	22	entities	entity	NOUN
cjfa-3243	131	23	for	for	ADP
cjfa-3243	131	24	population	population	NOUN
cjfa-3243	131	25	199	199	NUM
cjfa-3243	131	26	measures	measure	NOUN
cjfa-3243	131	27	,	,	PUNCT
cjfa-3243	131	28	try	try	VERB
cjfa-3243	131	29	to	to	PART
cjfa-3243	131	30	counteract	counteract	VERB
cjfa-3243	131	31	the	the	DET
cjfa-3243	131	32	development	development	NOUN
cjfa-3243	131	33	of	of	ADP
cjfa-3243	131	34	over	over	ADP
cjfa-3243	131	35	-	-	PUNCT
cjfa-3243	131	36	indebtedness	indebtedness	NOUN
cjfa-3243	131	37	among	among	ADP
cjfa-3243	131	38	their	their	PRON
cjfa-3243	131	39	clients	client	NOUN
cjfa-3243	131	40	and	and	CCONJ
cjfa-3243	131	41	upgrade	upgrade	VERB
cjfa-3243	131	42	the	the	DET
cjfa-3243	131	43	level	level	NOUN
cjfa-3243	131	44	of	of	ADP
cjfa-3243	131	45	bank	bank	NOUN
cjfa-3243	131	46	sector	sector	NOUN
cjfa-3243	131	47	security	security	NOUN
cjfa-3243	131	48	.	.	PUNCT
cjfa-3243	132	1	on	on	ADP
cjfa-3243	132	2	the	the	DET
cjfa-3243	132	3	other	other	ADJ
cjfa-3243	132	4	hand	hand	NOUN
cjfa-3243	132	5	,	,	PUNCT
cjfa-3243	132	6	there	there	PRON
cjfa-3243	132	7	are	be	VERB
cjfa-3243	132	8	quite	quite	ADV
cjfa-3243	132	9	noticeable	noticeable	ADJ
cjfa-3243	132	10	side	side	NOUN
cjfa-3243	132	11	effects	effect	NOUN
cjfa-3243	132	12	.	.	PUNCT
cjfa-3243	133	1	more	more	ADV
cjfa-3243	133	2	restrictive	restrictive	ADJ
cjfa-3243	133	3	criteria	criterion	NOUN
cjfa-3243	133	4	for	for	ADP
cjfa-3243	133	5	credit	credit	NOUN
cjfa-3243	133	6	granting	grant	VERB
cjfa-3243	133	7	by	by	ADP
cjfa-3243	133	8	banks	bank	NOUN
cjfa-3243	133	9	,	,	PUNCT
cjfa-3243	133	10	accompanied	accompany	VERB
cjfa-3243	133	11	by	by	ADP
cjfa-3243	133	12	detailed	detailed	ADJ
cjfa-3243	133	13	verification	verification	NOUN
cjfa-3243	133	14	of	of	ADP
cjfa-3243	133	15	the	the	DET
cjfa-3243	133	16	potential	potential	ADJ
cjfa-3243	133	17	clients	client	NOUN
cjfa-3243	133	18	’	'	PUNCT
cjfa-3243	133	19	current	current	ADJ
cjfa-3243	133	20	records	record	NOUN
cjfa-3243	133	21	are	be	AUX
cjfa-3243	133	22	manifested	manifest	VERB
cjfa-3243	133	23	by	by	ADP
cjfa-3243	133	24	the	the	DET
cjfa-3243	133	25	growing	grow	VERB
cjfa-3243	133	26	amount	amount	NOUN
cjfa-3243	133	27	of	of	ADP
cjfa-3243	133	28	financially	financially	ADV
cjfa-3243	133	29	excluded	exclude	VERB
cjfa-3243	133	30	population	population	NOUN
cjfa-3243	133	31	.	.	PUNCT
cjfa-3243	134	1	such	such	ADJ
cjfa-3243	134	2	individuals	individual	NOUN
cjfa-3243	134	3	are	be	AUX
cjfa-3243	134	4	not	not	PART
cjfa-3243	134	5	capable	capable	ADJ
cjfa-3243	134	6	of	of	ADP
cjfa-3243	134	7	obtaining	obtain	VERB
cjfa-3243	134	8	positive	positive	ADJ
cjfa-3243	134	9	credit	credit	NOUN
cjfa-3243	134	10	decisions	decision	NOUN
cjfa-3243	134	11	since	since	SCONJ
cjfa-3243	134	12	they	they	PRON
cjfa-3243	134	13	do	do	AUX
cjfa-3243	134	14	not	not	PART
cjfa-3243	134	15	have	have	VERB
cjfa-3243	134	16	adequate	adequate	ADJ
cjfa-3243	134	17	income	income	NOUN
cjfa-3243	134	18	and/or	and/or	CCONJ
cjfa-3243	134	19	assets	asset	NOUN
cjfa-3243	134	20	,	,	PUNCT
cjfa-3243	134	21	and	and	CCONJ
cjfa-3243	134	22	also	also	ADV
cjfa-3243	134	23	their	their	PRON
cjfa-3243	134	24	credit	credit	NOUN
cjfa-3243	134	25	record	record	NOUN
cjfa-3243	134	26	includes	include	VERB
cjfa-3243	134	27	information	information	NOUN
cjfa-3243	134	28	perceived	perceive	VERB
cjfa-3243	134	29	by	by	ADP
cjfa-3243	134	30	banks	bank	NOUN
cjfa-3243	134	31	as	as	ADP
cjfa-3243	134	32	the	the	DET
cjfa-3243	134	33	threat	threat	NOUN
cjfa-3243	134	34	to	to	PART
cjfa-3243	134	35	loan	loan	VERB
cjfa-3243	134	36	repayment	repayment	NOUN
cjfa-3243	134	37	.	.	PUNCT
cjfa-3243	135	1	to	to	ADP
cjfa-3243	135	2	an	an	DET
cjfa-3243	135	3	extent	extent	NOUN
cjfa-3243	135	4	,	,	PUNCT
cjfa-3243	135	5	the	the	DET
cjfa-3243	135	6	response	response	NOUN
cjfa-3243	135	7	to	to	ADP
cjfa-3243	135	8	such	such	ADJ
cjfa-3243	135	9	uncovered	uncovered	ADJ
cjfa-3243	135	10	demand	demand	NOUN
cjfa-3243	135	11	is	be	AUX
cjfa-3243	135	12	visible	visible	ADJ
cjfa-3243	135	13	in	in	ADP
cjfa-3243	135	14	an	an	DET
cjfa-3243	135	15	increased	increase	VERB
cjfa-3243	135	16	activity	activity	NOUN
cjfa-3243	135	17	of	of	ADP
cjfa-3243	135	18	shadow	shadow	NOUN
cjfa-3243	135	19	banking	banking	NOUN
cjfa-3243	135	20	sector	sector	NOUN
cjfa-3243	135	21	entities	entity	NOUN
cjfa-3243	135	22	,	,	PUNCT
cjfa-3243	135	23	including	include	VERB
cjfa-3243	135	24	mainly	mainly	ADV
cjfa-3243	135	25	loan	loan	NOUN
cjfa-3243	135	26	offering	offer	VERB
cjfa-3243	135	27	companies	company	NOUN
cjfa-3243	135	28	.	.	PUNCT
cjfa-3243	136	1	alternative	alternative	ADJ
cjfa-3243	136	2	financial	financial	ADJ
cjfa-3243	136	3	services	service	NOUN
cjfa-3243	136	4	providers	provider	NOUN
cjfa-3243	136	5	have	have	AUX
cjfa-3243	136	6	already	already	ADV
cjfa-3243	136	7	become	become	VERB
cjfa-3243	136	8	the	the	DET
cjfa-3243	136	9	firm	firm	ADJ
cjfa-3243	136	10	part	part	NOUN
cjfa-3243	136	11	of	of	ADP
cjfa-3243	136	12	financial	financial	ADJ
cjfa-3243	136	13	market	market	NOUN
cjfa-3243	136	14	structure	structure	NOUN
cjfa-3243	136	15	by	by	ADP
cjfa-3243	136	16	providing	provide	VERB
cjfa-3243	136	17	their	their	PRON
cjfa-3243	136	18	services	service	NOUN
cjfa-3243	136	19	mainly	mainly	ADV
cjfa-3243	136	20	for	for	ADP
cjfa-3243	136	21	this	this	DET
cjfa-3243	136	22	part	part	NOUN
cjfa-3243	136	23	of	of	ADP
cjfa-3243	136	24	society	society	NOUN
cjfa-3243	136	25	which	which	PRON
cjfa-3243	136	26	is	be	AUX
cjfa-3243	136	27	outside	outside	ADP
cjfa-3243	136	28	the	the	DET
cjfa-3243	136	29	interest	interest	NOUN
cjfa-3243	136	30	of	of	ADP
cjfa-3243	136	31	banks	bank	NOUN
cjfa-3243	136	32	for	for	ADP
cjfa-3243	136	33	either	either	CCONJ
cjfa-3243	136	34	commercial	commercial	ADJ
cjfa-3243	136	35	or	or	CCONJ
cjfa-3243	136	36	formal	formal	ADJ
cjfa-3243	136	37	reasons	reason	NOUN
cjfa-3243	136	38	.	.	PUNCT
cjfa-3243	137	1	the	the	DET
cjfa-3243	137	2	offer	offer	NOUN
cjfa-3243	137	3	of	of	ADP
cjfa-3243	137	4	micro	micro	NOUN
cjfa-3243	137	5	-	-	NOUN
cjfa-3243	137	6	loans	loan	NOUN
cjfa-3243	137	7	to	to	PART
cjfa-3243	137	8	be	be	AUX
cjfa-3243	137	9	repaid	repay	VERB
cjfa-3243	137	10	within	within	ADP
cjfa-3243	137	11	a	a	DET
cjfa-3243	137	12	month	month	NOUN
cjfa-3243	137	13	is	be	AUX
cjfa-3243	137	14	complementary	complementary	ADJ
cjfa-3243	137	15	rather	rather	ADV
cjfa-3243	137	16	than	than	ADP
cjfa-3243	137	17	substitutive	substitutive	ADJ
cjfa-3243	137	18	with	with	ADP
cjfa-3243	137	19	regard	regard	NOUN
cjfa-3243	137	20	to	to	ADP
cjfa-3243	137	21	bank	bank	NOUN
cjfa-3243	137	22	offer	offer	NOUN
cjfa-3243	137	23	.	.	PUNCT
cjfa-3243	138	1	it	it	PRON
cjfa-3243	138	2	is	be	AUX
cjfa-3243	138	3	addressed	address	VERB
cjfa-3243	138	4	to	to	ADP
cjfa-3243	138	5	the	the	DET
cjfa-3243	138	6	individuals	individual	NOUN
cjfa-3243	138	7	suffering	suffer	VERB
cjfa-3243	138	8	credit	credit	NOUN
cjfa-3243	138	9	exclusion	exclusion	NOUN
cjfa-3243	138	10	due	due	ADP
cjfa-3243	138	11	to	to	ADP
cjfa-3243	138	12	the	the	DET
cjfa-3243	138	13	fact	fact	NOUN
cjfa-3243	138	14	that	that	SCONJ
cjfa-3243	138	15	they	they	PRON
cjfa-3243	138	16	perform	perform	VERB
cjfa-3243	138	17	seasonal	seasonal	ADJ
cjfa-3243	138	18	or	or	CCONJ
cjfa-3243	138	19	casual	casual	ADJ
cjfa-3243	138	20	work	work	NOUN
cjfa-3243	138	21	or	or	CCONJ
cjfa-3243	138	22	represent	represent	VERB
cjfa-3243	138	23	shadow	shadow	NOUN
cjfa-3243	138	24	economy	economy	NOUN
cjfa-3243	138	25	,	,	PUNCT
cjfa-3243	138	26	however	however	ADV
cjfa-3243	138	27	,	,	PUNCT
cjfa-3243	138	28	those	those	PRON
cjfa-3243	138	29	whose	whose	DET
cjfa-3243	138	30	income	income	NOUN
cjfa-3243	138	31	suggests	suggest	VERB
cjfa-3243	138	32	that	that	SCONJ
cjfa-3243	138	33	they	they	PRON
cjfa-3243	138	34	are	be	AUX
cjfa-3243	138	35	capable	capable	ADJ
cjfa-3243	138	36	of	of	ADP
cjfa-3243	138	37	repaying	repay	VERB
cjfa-3243	138	38	their	their	PRON
cjfa-3243	138	39	debt	debt	NOUN
cjfa-3243	138	40	timely	timely	ADV
cjfa-3243	138	41	.	.	PUNCT
cjfa-3243	139	1	the	the	DET
cjfa-3243	139	2	problem	problem	NOUN
cjfa-3243	139	3	to	to	PART
cjfa-3243	139	4	be	be	AUX
cjfa-3243	139	5	discussed	discuss	VERB
cjfa-3243	139	6	is	be	AUX
cjfa-3243	139	7	the	the	DET
cjfa-3243	139	8	level	level	NOUN
cjfa-3243	139	9	of	of	ADP
cjfa-3243	139	10	how	how	SCONJ
cjfa-3243	139	11	detailed	detailed	ADJ
cjfa-3243	139	12	the	the	DET
cjfa-3243	139	13	legal	legal	ADJ
cjfa-3243	139	14	regulations	regulation	NOUN
cjfa-3243	139	15	covering	cover	VERB
cjfa-3243	139	16	the	the	DET
cjfa-3243	139	17	services	service	NOUN
cjfa-3243	139	18	offered	offer	VERB
cjfa-3243	139	19	by	by	ADP
cjfa-3243	139	20	lending	lend	VERB
cjfa-3243	139	21	companies	company	NOUN
cjfa-3243	139	22	should	should	AUX
cjfa-3243	139	23	be	be	AUX
cjfa-3243	139	24	,	,	PUNCT
cjfa-3243	139	25	so	so	SCONJ
cjfa-3243	139	26	that	that	SCONJ
cjfa-3243	139	27	it	it	PRON
cjfa-3243	139	28	ultimately	ultimately	ADV
cjfa-3243	139	29	serves	serve	VERB
cjfa-3243	139	30	the	the	DET
cjfa-3243	139	31	financial	financial	ADJ
cjfa-3243	139	32	market	market	NOUN
cjfa-3243	139	33	and	and	CCONJ
cjfa-3243	139	34	therefore	therefore	ADV
cjfa-3243	139	35	to	to	ADP
cjfa-3243	139	36	the	the	DET
cjfa-3243	139	37	benefit	benefit	NOUN
cjfa-3243	139	38	of	of	ADP
cjfa-3243	139	39	economy	economy	NOUN
cjfa-3243	139	40	and	and	CCONJ
cjfa-3243	139	41	most	most	ADJ
cjfa-3243	139	42	of	of	ADP
cjfa-3243	139	43	all	all	DET
cjfa-3243	139	44	the	the	DET
cjfa-3243	139	45	citizens	citizen	NOUN
cjfa-3243	139	46	.	.	PUNCT
cjfa-3243	140	1	based	base	VERB
cjfa-3243	140	2	on	on	ADP
cjfa-3243	140	3	the	the	DET
cjfa-3243	140	4	primary	primary	ADJ
cjfa-3243	140	5	advantages	advantage	NOUN
cjfa-3243	140	6	and	and	CCONJ
cjfa-3243	140	7	threats	threat	NOUN
cjfa-3243	140	8	experienced	experience	VERB
cjfa-3243	140	9	by	by	ADP
cjfa-3243	140	10	the	the	DET
cjfa-3243	140	11	population	population	NOUN
cjfa-3243	140	12	affected	affect	VERB
cjfa-3243	140	13	by	by	ADP
cjfa-3243	140	14	credit	credit	NOUN
cjfa-3243	140	15	exclusion	exclusion	NOUN
cjfa-3243	140	16	,	,	PUNCT
cjfa-3243	140	17	presented	present	VERB
cjfa-3243	140	18	in	in	ADP
cjfa-3243	140	19	the	the	DET
cjfa-3243	140	20	hereby	hereby	ADJ
cjfa-3243	140	21	paper	paper	NOUN
cjfa-3243	140	22	,	,	PUNCT
cjfa-3243	140	23	which	which	PRON
cjfa-3243	140	24	refer	refer	VERB
cjfa-3243	140	25	to	to	ADP
cjfa-3243	140	26	the	the	DET
cjfa-3243	140	27	functioning	functioning	NOUN
cjfa-3243	140	28	of	of	ADP
cjfa-3243	140	29	alternative	alternative	ADJ
cjfa-3243	140	30	financial	financial	ADJ
cjfa-3243	140	31	intermediaries	intermediary	NOUN
cjfa-3243	140	32	it	it	PRON
cjfa-3243	140	33	may	may	AUX
cjfa-3243	140	34	be	be	AUX
cjfa-3243	140	35	concluded	conclude	VERB
cjfa-3243	140	36	that	that	SCONJ
cjfa-3243	140	37	it	it	PRON
cjfa-3243	140	38	is	be	AUX
cjfa-3243	140	39	the	the	DET
cjfa-3243	140	40	advantages	advantage	NOUN
cjfa-3243	140	41	which	which	PRON
cjfa-3243	140	42	constitute	constitute	VERB
cjfa-3243	140	43	the	the	DET
cjfa-3243	140	44	majority	majority	NOUN
cjfa-3243	140	45	.	.	PUNCT
cjfa-3243	141	1	the	the	DET
cjfa-3243	141	2	threats	threat	NOUN
cjfa-3243	141	3	,	,	PUNCT
cjfa-3243	141	4	however	however	ADV
cjfa-3243	141	5	,	,	PUNCT
cjfa-3243	141	6	have	have	VERB
cjfa-3243	141	7	to	to	PART
cjfa-3243	141	8	be	be	AUX
cjfa-3243	141	9	considered	consider	VERB
cjfa-3243	141	10	regarding	regard	VERB
cjfa-3243	141	11	by	by	ADP
cjfa-3243	141	12	whom	whom	PRON
cjfa-3243	141	13	and	and	CCONJ
cjfa-3243	141	14	what	what	DET
cjfa-3243	141	15	kind	kind	NOUN
cjfa-3243	141	16	of	of	ADP
cjfa-3243	141	17	activities	activity	NOUN
cjfa-3243	141	18	should	should	AUX
cjfa-3243	141	19	be	be	AUX
cjfa-3243	141	20	undertaken	undertake	VERB
cjfa-3243	141	21	in	in	ADP
cjfa-3243	141	22	order	order	NOUN
cjfa-3243	141	23	to	to	PART
cjfa-3243	141	24	reduce	reduce	VERB
cjfa-3243	141	25	their	their	PRON
cjfa-3243	141	26	scale	scale	NOUN
cjfa-3243	141	27	.	.	PUNCT
cjfa-3243	142	1	e.g.	e.g.	ADV
cjfa-3243	142	2	low	low	ADJ
cjfa-3243	142	3	financial	financial	ADJ
cjfa-3243	142	4	awareness	awareness	NOUN
cjfa-3243	142	5	of	of	ADP
cjfa-3243	142	6	polish	polish	ADJ
cjfa-3243	142	7	society	society	NOUN
cjfa-3243	142	8	,	,	PUNCT
cjfa-3243	142	9	manifested	manifest	VERB
cjfa-3243	142	10	by	by	ADP
cjfa-3243	142	11	problems	problem	NOUN
cjfa-3243	142	12	in	in	ADP
cjfa-3243	142	13	distinguishing	distinguish	VERB
cjfa-3243	142	14	banks	bank	NOUN
cjfa-3243	142	15	from	from	ADP
cjfa-3243	142	16	lending	lending	NOUN
cjfa-3243	142	17	institutions	institution	NOUN
cjfa-3243	142	18	or	or	CCONJ
cjfa-3243	142	19	the	the	DET
cjfa-3243	142	20	inability	inability	NOUN
cjfa-3243	142	21	to	to	PART
cjfa-3243	142	22	calculate	calculate	VERB
cjfa-3243	142	23	the	the	DET
cjfa-3243	142	24	total	total	ADJ
cjfa-3243	142	25	cost	cost	NOUN
cjfa-3243	142	26	of	of	ADP
cjfa-3243	142	27	the	the	DET
cjfa-3243	142	28	loan	loan	NOUN
cjfa-3243	142	29	granted	grant	VERB
cjfa-3243	142	30	,	,	PUNCT
cjfa-3243	142	31	can	can	AUX
cjfa-3243	142	32	be	be	AUX
cjfa-3243	142	33	eliminated	eliminate	VERB
cjfa-3243	142	34	by	by	ADP
cjfa-3243	142	35	all	all	DET
cjfa-3243	142	36	sorts	sort	NOUN
cjfa-3243	142	37	of	of	ADP
cjfa-3243	142	38	initiatives	initiative	NOUN
cjfa-3243	142	39	undertaken	undertake	VERB
cjfa-3243	142	40	by	by	ADP
cjfa-3243	142	41	the	the	DET
cjfa-3243	142	42	state	state	NOUN
cjfa-3243	142	43	or	or	CCONJ
cjfa-3243	142	44	by	by	ADP
cjfa-3243	142	45	the	the	DET
cjfa-3243	142	46	financial	financial	ADJ
cjfa-3243	142	47	services	service	NOUN
cjfa-3243	142	48	providers	provider	NOUN
cjfa-3243	142	49	(	(	PUNCT
cjfa-3243	142	50	see	see	VERB
cjfa-3243	142	51	solarz	solarz	NOUN
cjfa-3243	142	52	2013	2013	NUM
cjfa-3243	142	53	,	,	PUNCT
cjfa-3243	142	54	156–166	156–166	NUM
cjfa-3243	142	55	)	)	PUNCT
cjfa-3243	142	56	)	)	PUNCT
cjfa-3243	142	57	.	.	PUNCT
cjfa-3243	143	1	this	this	DET
cjfa-3243	143	2	type	type	NOUN
cjfa-3243	143	3	of	of	ADP
cjfa-3243	143	4	operations	operation	NOUN
cjfa-3243	143	5	,	,	PUNCT
cjfa-3243	143	6	which	which	PRON
cjfa-3243	143	7	are	be	AUX
cjfa-3243	143	8	supposed	suppose	VERB
cjfa-3243	143	9	to	to	PART
cjfa-3243	143	10	prevent	prevent	VERB
cjfa-3243	143	11	the	the	DET
cjfa-3243	143	12	socially	socially	ADV
cjfa-3243	143	13	undesirable	undesirable	ADJ
cjfa-3243	143	14	phenomenon	phenomenon	NOUN
cjfa-3243	143	15	of	of	ADP
cjfa-3243	143	16	financial	financial	ADJ
cjfa-3243	143	17	exclusion	exclusion	NOUN
cjfa-3243	143	18	and	and	CCONJ
cjfa-3243	143	19	restore	restore	VERB
cjfa-3243	143	20	the	the	DET
cjfa-3243	143	21	excluded	exclude	VERB
cjfa-3243	143	22	population	population	NOUN
cjfa-3243	143	23	back	back	ADV
cjfa-3243	143	24	to	to	ADP
cjfa-3243	143	25	the	the	DET
cjfa-3243	143	26	financial	financial	ADJ
cjfa-3243	143	27	system	system	NOUN
cjfa-3243	143	28	,	,	PUNCT
cjfa-3243	143	29	are	be	AUX
cjfa-3243	143	30	referred	refer	VERB
cjfa-3243	143	31	to	to	ADP
cjfa-3243	143	32	as	as	ADP
cjfa-3243	143	33	financial	financial	ADJ
cjfa-3243	143	34	inclusion	inclusion	NOUN
cjfa-3243	143	35	.	.	PUNCT
cjfa-3243	144	1	in	in	ADP
cjfa-3243	144	2	accordance	accordance	NOUN
cjfa-3243	144	3	with	with	ADP
cjfa-3243	144	4	the	the	DET
cjfa-3243	144	5	theses	theses	PROPN
cjfa-3243	144	6	presented	present	VERB
cjfa-3243	144	7	in	in	ADP
cjfa-3243	144	8	the	the	DET
cjfa-3243	144	9	document	document	NOUN
cjfa-3243	144	10	issued	issue	VERB
cjfa-3243	144	11	by	by	ADP
cjfa-3243	144	12	the	the	DET
cjfa-3243	144	13	world	world	PROPN
cjfa-3243	144	14	bank	bank	NOUN
cjfa-3243	144	15	they	they	PRON
cjfa-3243	144	16	should	should	AUX
cjfa-3243	144	17	follow	follow	VERB
cjfa-3243	144	18	the	the	DET
cjfa-3243	144	19	idea	idea	NOUN
cjfa-3243	144	20	of	of	ADP
cjfa-3243	144	21	responsible	responsible	ADJ
cjfa-3243	144	22	finance	finance	NOUN
cjfa-3243	144	23	also	also	ADV
cjfa-3243	144	24	supported	support	VERB
cjfa-3243	144	25	by	by	ADP
cjfa-3243	144	26	:	:	PUNCT
cjfa-3243	144	27	the	the	DET
cjfa-3243	144	28	state	state	NOUN
cjfa-3243	144	29	,	,	PUNCT
cjfa-3243	144	30	both	both	CCONJ
cjfa-3243	144	31	mainstream	mainstream	ADJ
cjfa-3243	144	32	and	and	CCONJ
cjfa-3243	144	33	alternative	alternative	ADJ
cjfa-3243	144	34	financial	financial	ADJ
cjfa-3243	144	35	services	service	NOUN
cjfa-3243	144	36	providers	provider	NOUN
cjfa-3243	144	37	,	,	PUNCT
cjfa-3243	144	38	as	as	ADV
cjfa-3243	144	39	well	well	ADV
cjfa-3243	144	40	as	as	ADP
cjfa-3243	144	41	małgorzata	małgorzata	NOUN
cjfa-3243	144	42	solarz200	solarz200	PROPN
cjfa-3243	144	43	consumers	consumer	NOUN
cjfa-3243	144	44	themselves	themselves	PRON
cjfa-3243	144	45	(	(	PUNCT
cjfa-3243	144	46	advancing	advance	VERB
cjfa-3243	144	47	responsible	responsible	ADJ
cjfa-3243	144	48	finance	finance	NOUN
cjfa-3243	144	49	2011	2011	NUM
cjfa-3243	144	50	)	)	PUNCT
cjfa-3243	144	51	.	.	PUNCT
cjfa-3243	145	1	all	all	DET
cjfa-3243	145	2	these	these	DET
cjfa-3243	145	3	entities	entity	NOUN
cjfa-3243	145	4	,	,	PUNCT
cjfa-3243	145	5	adequately	adequately	ADV
cjfa-3243	145	6	to	to	ADP
cjfa-3243	145	7	their	their	PRON
cjfa-3243	145	8	capacity	capacity	NOUN
cjfa-3243	145	9	should	should	AUX
cjfa-3243	145	10	be	be	AUX
cjfa-3243	145	11	active	active	ADJ
cjfa-3243	145	12	in	in	ADP
cjfa-3243	145	13	such	such	ADJ
cjfa-3243	145	14	areas	area	NOUN
cjfa-3243	145	15	as	as	ADP
cjfa-3243	145	16	:	:	PUNCT
cjfa-3243	145	17	customer	customer	NOUN
cjfa-3243	145	18	protection	protection	NOUN
cjfa-3243	145	19	,	,	PUNCT
cjfa-3243	145	20	responsible	responsible	ADJ
cjfa-3243	145	21	service	service	NOUN
cjfa-3243	145	22	providers	provider	NOUN
cjfa-3243	145	23	and	and	CCONJ
cjfa-3243	145	24	the	the	DET
cjfa-3243	145	25	development	development	NOUN
cjfa-3243	145	26	of	of	ADP
cjfa-3243	145	27	client	client	NOUN
cjfa-3243	145	28	financial	financial	ADJ
cjfa-3243	145	29	capacity	capacity	NOUN
cjfa-3243	145	30	.	.	PUNCT
cjfa-3243	145	31	 	 	SPACE
cjfa-3243	146	1	references	reference	NOUN
cjfa-3243	146	2	adrian	adrian	PROPN
cjfa-3243	146	3	t.	t.	PROPN
cjfa-3243	146	4	,	,	PUNCT
cjfa-3243	146	5	shin	shin	PROPN
cjfa-3243	146	6	h.	h.	PROPN
cjfa-3243	146	7	s.	s.	PROPN
cjfa-3243	146	8	(	(	PUNCT
cjfa-3243	146	9	2009	2009	NUM
cjfa-3243	146	10	)	)	PUNCT
cjfa-3243	146	11	,	,	PUNCT
cjfa-3243	146	12	the	the	DET
cjfa-3243	146	13	shadow	shadow	NOUN
cjfa-3243	146	14	banking	banking	NOUN
cjfa-3243	146	15	system	system	NOUN
cjfa-3243	146	16	:	:	PUNCT
cjfa-3243	146	17	implications	implication	NOUN
cjfa-3243	146	18	for	for	ADP
cjfa-3243	146	19	financial	financial	ADJ
cjfa-3243	146	20	regulation	regulation	NOUN
cjfa-3243	146	21	,	,	PUNCT
cjfa-3243	146	22	federal	federal	PROPN
cjfa-3243	146	23	reserve	reserve	PROPN
cjfa-3243	146	24	bank	bank	PROPN
cjfa-3243	146	25	of	of	ADP
cjfa-3243	146	26	new	new	PROPN
cjfa-3243	146	27	york	york	PROPN
cjfa-3243	146	28	staff	staff	PROPN
cjfa-3243	146	29	report	report	VERB
cjfa-3243	146	30	no	no	INTJ
cjfa-3243	146	31	.	.	PROPN
cjfa-3243	146	32	382	382	NUM
cjfa-3243	146	33	,	,	PUNCT
cjfa-3243	146	34	http://dx.doi.org/10.2139%2fssrn.1441324	http://dx.doi.org/10.2139%2fssrn.1441324	NOUN
cjfa-3243	146	35	.	.	PUNCT
cjfa-3243	147	1	advancing	advance	VERB
cjfa-3243	147	2	responsible	responsible	ADJ
cjfa-3243	147	3	finance	finance	NOUN
cjfa-3243	147	4	for	for	ADP
cjfa-3243	147	5	greater	great	ADJ
cjfa-3243	147	6	development	development	NOUN
cjfa-3243	147	7	impact	impact	NOUN
cjfa-3243	147	8	(	(	PUNCT
cjfa-3243	147	9	2011	2011	NUM
cjfa-3243	147	10	)	)	PUNCT
cjfa-3243	147	11	,	,	PUNCT
cjfa-3243	147	12	responsible	responsible	ADJ
cjfa-3243	147	13	finance	finance	NOUN
cjfa-3243	147	14	forum	forum	PROPN
cjfa-3243	147	15	,	,	PUNCT
cjfa-3243	147	16	available	available	ADJ
cjfa-3243	147	17	on	on	ADP
cjfa-3243	147	18	the	the	DET
cjfa-3243	147	19	website	website	NOUN
cjfa-3243	147	20	http://www.ifc.org/	http://www.ifc.org/	NOUN
cjfa-3243	147	21	(	(	PUNCT
cjfa-3243	147	22	access	access	NOUN
cjfa-3243	147	23	:	:	PUNCT
cjfa-3243	147	24	02.10.2013	02.10.2013	NUM
cjfa-3243	147	25	)	)	PUNCT
cjfa-3243	147	26	.	.	PUNCT
cjfa-3243	148	1	anderloni	anderloni	PROPN
cjfa-3243	148	2	l.	l.	PROPN
cjfa-3243	148	3	(	(	PUNCT
cjfa-3243	148	4	2008	2008	NUM
cjfa-3243	148	5	)	)	PUNCT
cjfa-3243	148	6	,	,	PUNCT
cjfa-3243	148	7	financial	financial	ADJ
cjfa-3243	148	8	services	service	NOUN
cjfa-3243	148	9	provision	provision	NOUN
cjfa-3243	148	10	and	and	CCONJ
cjfa-3243	148	11	prevention	prevention	NOUN
cjfa-3243	148	12	of	of	ADP
cjfa-3243	148	13	financial	financial	ADJ
cjfa-3243	148	14	exclusion	exclusion	NOUN
cjfa-3243	148	15	,	,	PUNCT
cjfa-3243	148	16	european	european	PROPN
cjfa-3243	148	17	commission	commission	PROPN
cjfa-3243	148	18	,	,	PUNCT
cjfa-3243	148	19	http://ec.europa.eu/social/main.jsp?langid=en&catid=22	http://ec.europa.eu/social/main.jsp?langid=en&catid=22	PROPN
cjfa-3243	148	20	(	(	PUNCT
cjfa-3243	148	21	27.09.2013	27.09.2013	NUM
cjfa-3243	148	22	)	)	PUNCT
cjfa-3243	148	23	.	.	PUNCT
cjfa-3243	149	1	białowolski	białowolski	PROPN
cjfa-3243	149	2	p.	p.	NOUN
cjfa-3243	149	3	(	(	PUNCT
cjfa-3243	149	4	2012	2012	NUM
cjfa-3243	149	5	)	)	PUNCT
cjfa-3243	149	6	,	,	PUNCT
cjfa-3243	149	7	rynek	rynek	VERB
cjfa-3243	149	8	firm	firm	NOUN
cjfa-3243	149	9	pożyczkowych	pożyczkowych	PROPN
cjfa-3243	149	10	w	w	PROPN
cjfa-3243	149	11	polsce	polsce	PROPN
cjfa-3243	149	12	.	.	PUNCT
cjfa-3243	150	1	konferencja	konferencja	PROPN
cjfa-3243	150	2	przedsiębiorstw	przedsiębiorstw	PROPN
cjfa-3243	150	3	finansowych	finansowych	PROPN
cjfa-3243	150	4	w	w	PROPN
cjfa-3243	150	5	polsce	polsce	PROPN
cjfa-3243	150	6	,	,	PUNCT
cjfa-3243	150	7	warszawa	warszawa	PROPN
cjfa-3243	150	8	,	,	PUNCT
cjfa-3243	150	9	available	available	ADJ
cjfa-3243	150	10	on	on	ADP
cjfa-3243	150	11	the	the	DET
cjfa-3243	150	12	website	website	NOUN
cjfa-3243	150	13	http://alebank.pl/	http://alebank.pl/	PROPN
cjfa-3243	150	14	(	(	PUNCT
cjfa-3243	150	15	access	access	NOUN
cjfa-3243	150	16	:	:	PUNCT
cjfa-3243	150	17	15.10.2013	15.10.2013	NUM
cjfa-3243	150	18	)	)	PUNCT
cjfa-3243	150	19	.	.	PUNCT
cjfa-3243	151	1	czapiński	czapiński	PROPN
cjfa-3243	151	2	j.	j.	PROPN
cjfa-3243	151	3	,	,	PUNCT
cjfa-3243	151	4	panek	panek	ADJ
cjfa-3243	151	5	t.	t.	PROPN
cjfa-3243	151	6	(	(	PUNCT
cjfa-3243	151	7	2012	2012	NUM
cjfa-3243	151	8	)	)	PUNCT
cjfa-3243	151	9	,	,	PUNCT
cjfa-3243	151	10	diagnoza	diagnoza	NOUN
cjfa-3243	151	11	społeczna	społeczna	PROPN
cjfa-3243	151	12	2011	2011	NUM
cjfa-3243	151	13	.	.	PUNCT
cjfa-3243	152	1	warunki	warunki	NOUN
cjfa-3243	153	1	i	i	PRON
cjfa-3243	153	2	jakość	jakość	VERB
cjfa-3243	153	3	życia	życia	NOUN
cjfa-3243	153	4	polaków	polaków	NOUN
cjfa-3243	153	5	,	,	PUNCT
cjfa-3243	153	6	ministerstwo	ministerstwo	NUM
cjfa-3243	153	7	pracy	pracy	NOUN
cjfa-3243	153	8	i	i	PRON
cjfa-3243	153	9	polityki	polityki	VERB
cjfa-3243	153	10	społecznej	społecznej	ADJ
cjfa-3243	153	11	.	.	PUNCT
cjfa-3243	154	1	warszawa	warszawa	PROPN
cjfa-3243	154	2	.	.	PUNCT
cjfa-3243	155	1	dowla	dowla	PROPN
cjfa-3243	155	2	a.	a.	PROPN
cjfa-3243	155	3	,	,	PUNCT
cjfa-3243	155	4	barua	barua	PROPN
cjfa-3243	155	5	d.	d.	PROPN
cjfa-3243	155	6	(	(	PUNCT
cjfa-3243	155	7	2006	2006	NUM
cjfa-3243	155	8	)	)	PUNCT
cjfa-3243	155	9	,	,	PUNCT
cjfa-3243	155	10	the	the	DET
cjfa-3243	155	11	poor	poor	ADJ
cjfa-3243	155	12	always	always	ADV
cjfa-3243	155	13	pay	pay	VERB
cjfa-3243	155	14	back	back	ADV
cjfa-3243	155	15	.	.	PUNCT
cjfa-3243	156	1	the	the	DET
cjfa-3243	156	2	grameen	grameen	PROPN
cjfa-3243	156	3	ii	ii	PROPN
cjfa-3243	156	4	story	story	NOUN
cjfa-3243	156	5	,	,	PUNCT
cjfa-3243	156	6	kumarian	kumarian	ADJ
cjfa-3243	156	7	press	press	NOUN
cjfa-3243	156	8	,	,	PUNCT
cjfa-3243	156	9	bloomfield	bloomfield	PROPN
cjfa-3243	156	10	.	.	PUNCT
cjfa-3243	156	11	gennaioli	gennaioli	PROPN
cjfa-3243	156	12	n.	n.	PROPN
cjfa-3243	156	13	,	,	PUNCT
cjfa-3243	156	14	shleifer	shleifer	PROPN
cjfa-3243	156	15	a.	a.	PROPN
cjfa-3243	156	16	,	,	PUNCT
cjfa-3243	156	17	vishny	vishny	PROPN
cjfa-3243	156	18	r.	r.	PROPN
cjfa-3243	156	19	(	(	PUNCT
cjfa-3243	156	20	2013	2013	NUM
cjfa-3243	156	21	)	)	PUNCT
cjfa-3243	156	22	,	,	PUNCT
cjfa-3243	156	23	a	a	DET
cjfa-3243	156	24	model	model	NOUN
cjfa-3243	156	25	of	of	ADP
cjfa-3243	156	26	shadow	shadow	PROPN
cjfa-3243	156	27	banking	banking	NOUN
cjfa-3243	156	28	,	,	PUNCT
cjfa-3243	156	29	„	„	PUNCT
cjfa-3243	156	30	journal	journal	NOUN
cjfa-3243	156	31	of	of	ADP
cjfa-3243	156	32	finance	finance	NOUN
cjfa-3243	156	33	”	"	PUNCT
cjfa-3243	156	34	,	,	PUNCT
cjfa-3243	156	35	vol	vol	NOUN
cjfa-3243	156	36	.	.	PROPN
cjfa-3243	156	37	68	68	NUM
cjfa-3243	156	38	,	,	PUNCT
cjfa-3243	156	39	issue	issue	NOUN
cjfa-3243	156	40	4	4	NUM
cjfa-3243	156	41	,	,	PUNCT
cjfa-3243	156	42	http://dx.doi.org/10.1111%2fjofi.12031	http://dx.doi.org/10.1111%2fjofi.12031	NOUN
cjfa-3243	156	43	.	.	PUNCT
cjfa-3243	157	1	gorton	gorton	PROPN
cjfa-3243	157	2	g.	g.	PROPN
cjfa-3243	157	3	,	,	PUNCT
cjfa-3243	157	4	metrick	metrick	PROPN
cjfa-3243	157	5	a.	a.	NOUN
cjfa-3243	157	6	(	(	PUNCT
cjfa-3243	157	7	2010	2010	NUM
cjfa-3243	157	8	)	)	PUNCT
cjfa-3243	157	9	,	,	PUNCT
cjfa-3243	157	10	regulating	regulate	VERB
cjfa-3243	157	11	the	the	DET
cjfa-3243	157	12	shadow	shadow	NOUN
cjfa-3243	157	13	banking	banking	NOUN
cjfa-3243	157	14	system	system	NOUN
cjfa-3243	157	15	,	,	PUNCT
cjfa-3243	157	16	“	"	PUNCT
cjfa-3243	157	17	brookings	brookings	PROPN
cjfa-3243	157	18	paper	paper	NOUN
cjfa-3243	157	19	on	on	ADP
cjfa-3243	157	20	economic	economic	ADJ
cjfa-3243	157	21	activity	activity	NOUN
cjfa-3243	157	22	”	"	PUNCT
cjfa-3243	157	23	,	,	PUNCT
cjfa-3243	157	24	vol	vol	NOUN
cjfa-3243	157	25	.	.	PROPN
cjfa-3243	157	26	41	41	NUM
cjfa-3243	157	27	,	,	PUNCT
cjfa-3243	157	28	issue	issue	NOUN
cjfa-3243	157	29	2	2	NUM
cjfa-3243	157	30	,	,	PUNCT
cjfa-3243	157	31	http://dx.doi.org/10.1353%2feca.2010.0016	http://dx.doi.org/10.1353%2feca.2010.0016	PROPN
cjfa-3243	157	32	.	.	PUNCT
cjfa-3243	158	1	gorton	gorton	PROPN
cjfa-3243	158	2	g.	g.	PROPN
cjfa-3243	158	3	,	,	PUNCT
cjfa-3243	158	4	metrick	metrick	PROPN
cjfa-3243	158	5	a.	a.	NOUN
cjfa-3243	158	6	(	(	PUNCT
cjfa-3243	158	7	2012	2012	NUM
cjfa-3243	158	8	)	)	PUNCT
cjfa-3243	158	9	,	,	PUNCT
cjfa-3243	158	10	securitized	securitized	ADJ
cjfa-3243	158	11	banking	banking	NOUN
cjfa-3243	158	12	and	and	CCONJ
cjfa-3243	158	13	the	the	DET
cjfa-3243	158	14	run	run	NOUN
cjfa-3243	158	15	on	on	ADP
cjfa-3243	158	16	repo	repo	NOUN
cjfa-3243	158	17	,	,	PUNCT
cjfa-3243	158	18	„	„	PUNCT
cjfa-3243	158	19	journal	journal	NOUN
cjfa-3243	158	20	of	of	ADP
cjfa-3243	158	21	financial	financial	ADJ
cjfa-3243	158	22	economics	economic	NOUN
cjfa-3243	158	23	”	"	PUNCT
cjfa-3243	158	24	,	,	PUNCT
cjfa-3243	158	25	vol	vol	NOUN
cjfa-3243	158	26	.	.	PROPN
cjfa-3243	158	27	104	104	NUM
cjfa-3243	158	28	,	,	PUNCT
cjfa-3243	158	29	issue	issue	NOUN
cjfa-3243	158	30	3	3	NUM
cjfa-3243	158	31	,	,	PUNCT
cjfa-3243	158	32	http://dx.doi.org/10.1016%2fj.jfineco.2011.03.016	http://dx.doi.org/10.1016%2fj.jfineco.2011.03.016	PROPN
cjfa-3243	158	33	.	.	PROPN
cjfa-3243	158	34	iwaisako	iwaisako	PROPN
cjfa-3243	158	35	t.	t.	PROPN
cjfa-3243	158	36	(	(	PUNCT
cjfa-3243	158	37	2010	2010	NUM
cjfa-3243	158	38	)	)	PUNCT
cjfa-3243	158	39	,	,	PUNCT
cjfa-3243	158	40	global	global	ADJ
cjfa-3243	158	41	financial	financial	ADJ
cjfa-3243	158	42	crisis	crisis	NOUN
cjfa-3243	158	43	,	,	PUNCT
cjfa-3243	158	44	hedge	hedge	NOUN
cjfa-3243	158	45	funds	fund	NOUN
cjfa-3243	158	46	and	and	CCONJ
cjfa-3243	158	47	the	the	DET
cjfa-3243	158	48	shadow	shadow	NOUN
cjfa-3243	158	49	banking	banking	NOUN
cjfa-3243	158	50	system	system	NOUN
cjfa-3243	158	51	,	,	PUNCT
cjfa-3243	158	52	“	"	PUNCT
cjfa-3243	158	53	public	public	ADJ
cjfa-3243	158	54	policy	policy	NOUN
cjfa-3243	158	55	review	review	NOUN
cjfa-3243	158	56	”	"	PUNCT
cjfa-3243	158	57	,	,	PUNCT
cjfa-3243	158	58	vol	vol	NOUN
cjfa-3243	158	59	.	.	PROPN
cjfa-3243	158	60	6	6	NUM
cjfa-3243	158	61	,	,	PUNCT
cjfa-3243	158	62	no	no	INTJ
cjfa-3243	158	63	.	.	NOUN
cjfa-3243	159	1	3	3	X
cjfa-3243	159	2	.	.	X
cjfa-3243	159	3	janikowska	janikowska	PROPN
cjfa-3243	159	4	e.	e.	PROPN
cjfa-3243	159	5	(	(	PUNCT
cjfa-3243	159	6	2011	2011	NUM
cjfa-3243	159	7	)	)	PUNCT
cjfa-3243	159	8	,	,	PUNCT
cjfa-3243	159	9	w	w	PROPN
cjfa-3243	159	10	jaki	jaki	PROPN
cjfa-3243	159	11	sposób	sposób	PROPN
cjfa-3243	159	12	mikrofinansowanie	mikrofinansowanie	PROPN
cjfa-3243	159	13	pomaga	pomaga	PROPN
cjfa-3243	159	14	w	w	PROPN
cjfa-3243	159	15	walce	walce	PROPN
cjfa-3243	159	16	z	z	PROPN
cjfa-3243	159	17	ubóstwem	ubóstwem	PROPN
cjfa-3243	159	18	.	.	PUNCT
cjfa-3243	160	1	studium	studium	PROPN
cjfa-3243	160	2	przypadku	przypadku	PROPN
cjfa-3243	160	3	grameen	grameen	PROPN
cjfa-3243	160	4	bank	bank	PROPN
cjfa-3243	160	5	,	,	PUNCT
cjfa-3243	160	6	„	„	PUNCT
cjfa-3243	160	7	ekonomia	ekonomia	NOUN
cjfa-3243	160	8	społeczna	społeczna	PROPN
cjfa-3243	160	9	”	"	PUNCT
cjfa-3243	160	10	,	,	PUNCT
cjfa-3243	160	11	no	no	INTJ
cjfa-3243	160	12	.	.	NOUN
cjfa-3243	160	13	2	2	X
cjfa-3243	160	14	.	.	X
cjfa-3243	160	15	kamińska	kamińska	PROPN
cjfa-3243	160	16	a.	a.	PROPN
cjfa-3243	160	17	(	(	PUNCT
cjfa-3243	160	18	2012	2012	NUM
cjfa-3243	160	19	)	)	PUNCT
cjfa-3243	160	20	,	,	PUNCT
cjfa-3243	160	21	w	w	PROPN
cjfa-3243	160	22	matni	matni	PROPN
cjfa-3243	160	23	para	para	NOUN
cjfa-3243	160	24	banków	banków	PROPN
cjfa-3243	160	25	,	,	PUNCT
cjfa-3243	160	26	„	„	PUNCT
cjfa-3243	160	27	rzeczpospolita	rzeczpospolita	X
cjfa-3243	160	28	”	"	PUNCT
cjfa-3243	160	29	,	,	PUNCT
cjfa-3243	160	30	nr	nr	PROPN
cjfa-3243	160	31	9311	9311	NUM
cjfa-3243	160	32	.	.	PUNCT
cjfa-3243	161	1	kappel	kappel	PROPN
cjfa-3243	161	2	v.	v.	PROPN
cjfa-3243	161	3	,	,	PUNCT
cjfa-3243	161	4	krauss	krauss	PROPN
cjfa-3243	161	5	a.	a.	PROPN
cjfa-3243	161	6	,	,	PUNCT
cjfa-3243	161	7	lontzek	lontzek	PROPN
cjfa-3243	161	8	l.	l.	PROPN
cjfa-3243	161	9	(	(	PUNCT
cjfa-3243	161	10	2010	2010	NUM
cjfa-3243	161	11	)	)	PUNCT
cjfa-3243	161	12	,	,	PUNCT
cjfa-3243	161	13	over	over	ADP
cjfa-3243	161	14	-	-	PUNCT
cjfa-3243	161	15	indebtedness	indebtedness	NOUN
cjfa-3243	161	16	and	and	CCONJ
cjfa-3243	161	17	microfinance	microfinance	NOUN
cjfa-3243	161	18	.	.	PUNCT
cjfa-3243	162	1	constructing	construct	VERB
cjfa-3243	162	2	an	an	DET
cjfa-3243	162	3	early	early	ADJ
cjfa-3243	162	4	warning	warning	NOUN
cjfa-3243	162	5	index	index	NOUN
cjfa-3243	162	6	.	.	PUNCT
cjfa-3243	163	1	center	center	NOUN
cjfa-3243	163	2	for	for	ADP
cjfa-3243	163	3	microfinance	microfinance	NOUN
cjfa-3243	163	4	–	–	PUNCT
cjfa-3243	163	5	university	university	NOUN
cjfa-3243	163	6	of	of	ADP
cjfa-3243	163	7	zurich	zurich	PROPN
cjfa-3243	163	8	,	,	PUNCT
cjfa-3243	163	9	http://	http://	PROPN
cjfa-3243	163	10	www.accion.org/document.doc?id=899	www.accion.org/document.doc?id=899	PROPN
cjfa-3243	163	11	(	(	PUNCT
cjfa-3243	163	12	access	access	NOUN
cjfa-3243	163	13	:	:	PUNCT
cjfa-3243	163	14	03.10.2013	03.10.2013	NUM
cjfa-3243	163	15	)	)	PUNCT
cjfa-3243	163	16	.	.	PUNCT
cjfa-3243	164	1	maison	maison	PROPN
cjfa-3243	164	2	d.	d.	PROPN
cjfa-3243	164	3	(	(	PUNCT
cjfa-3243	164	4	2013	2013	NUM
cjfa-3243	164	5	)	)	PUNCT
cjfa-3243	164	6	,	,	PUNCT
cjfa-3243	164	7	polak	polak	PROPN
cjfa-3243	164	8	w	w	PROPN
cjfa-3243	164	9	świecie	świecie	PROPN
cjfa-3243	164	10	finansów	finansów	PROPN
cjfa-3243	164	11	,	,	PUNCT
cjfa-3243	164	12	wn	wn	PROPN
cjfa-3243	164	13	pwn	pwn	PROPN
cjfa-3243	164	14	,	,	PUNCT
cjfa-3243	164	15	warszawa	warszawa	PROPN
cjfa-3243	164	16	.	.	PUNCT
cjfa-3243	165	1	ordoñez	ordoñez	INTJ
cjfa-3243	165	2	g.	g.	PROPN
cjfa-3243	165	3	l.	l.	PROPN
cjfa-3243	165	4	(	(	PUNCT
cjfa-3243	165	5	2013	2013	NUM
cjfa-3243	165	6	)	)	PUNCT
cjfa-3243	165	7	,	,	PUNCT
cjfa-3243	165	8	sustainable	sustainable	ADJ
cjfa-3243	165	9	shadow	shadow	NOUN
cjfa-3243	165	10	banking	banking	NOUN
cjfa-3243	165	11	,	,	PUNCT
cjfa-3243	165	12	“	"	PUNCT
cjfa-3243	165	13	national	national	ADJ
cjfa-3243	165	14	bureau	bureau	NOUN
cjfa-3243	165	15	of	of	ADP
cjfa-3243	165	16	economic	economic	ADJ
cjfa-3243	165	17	research	research	NOUN
cjfa-3243	165	18	working	working	NOUN
cjfa-3243	165	19	paper	paper	NOUN
cjfa-3243	165	20	”	"	PUNCT
cjfa-3243	165	21	,	,	PUNCT
cjfa-3243	165	22	no	no	INTJ
cjfa-3243	165	23	.	.	NOUN
cjfa-3243	165	24	19022	19022	NUM
cjfa-3243	165	25	.	.	PUNCT
cjfa-3243	166	1	pozsar	pozsar	PROPN
cjfa-3243	166	2	z.	z.	PROPN
cjfa-3243	166	3	(	(	PUNCT
cjfa-3243	166	4	2008	2008	NUM
cjfa-3243	166	5	)	)	PUNCT
cjfa-3243	166	6	,	,	PUNCT
cjfa-3243	166	7	the	the	DET
cjfa-3243	166	8	rise	rise	NOUN
cjfa-3243	166	9	and	and	CCONJ
cjfa-3243	166	10	fall	fall	NOUN
cjfa-3243	166	11	of	of	ADP
cjfa-3243	166	12	the	the	DET
cjfa-3243	166	13	shadow	shadow	NOUN
cjfa-3243	166	14	banking	banking	NOUN
cjfa-3243	166	15	system	system	NOUN
cjfa-3243	166	16	,	,	PUNCT
cjfa-3243	166	17	http://www.economy	http://www.economy	ADV
cjfa-3243	166	18	.	.	PUNCT
cjfa-3243	166	19	com	com	NOUN
cjfa-3243	166	20	/	/	SYM
cjfa-3243	166	21	sbs	sbs	NOUN
cjfa-3243	166	22	(	(	PUNCT
cjfa-3243	166	23	27.12.2013	27.12.2013	NUM
cjfa-3243	166	24	)	)	PUNCT
cjfa-3243	166	25	.	.	PUNCT
cjfa-3243	167	1	the	the	DET
cjfa-3243	167	2	importance	importance	NOUN
cjfa-3243	167	3	of	of	ADP
cjfa-3243	167	4	shadow	shadow	NOUN
cjfa-3243	167	5	banking	banking	NOUN
cjfa-3243	167	6	sector	sector	NOUN
cjfa-3243	167	7	entities	entity	NOUN
cjfa-3243	167	8	for	for	ADP
cjfa-3243	167	9	population	population	NOUN
cjfa-3243	167	10	201	201	NUM
cjfa-3243	167	11	raport	raport	NOUN
cjfa-3243	167	12	–	–	PUNCT
cjfa-3243	167	13	mikropożyczki	mikropożyczki	ADJ
cjfa-3243	167	14	w	w	PROPN
cjfa-3243	167	15	polsce	polsce	NOUN
cjfa-3243	167	16	(	(	PUNCT
cjfa-3243	167	17	2013	2013	NUM
cjfa-3243	167	18	)	)	PUNCT
cjfa-3243	167	19	,	,	PUNCT
cjfa-3243	167	20	związek	związek	PROPN
cjfa-3243	167	21	firm	firm	PROPN
cjfa-3243	167	22	pożyczkowych	pożyczkowych	PROPN
cjfa-3243	167	23	,	,	PUNCT
cjfa-3243	167	24	http://zfp.org	http://zfp.org	PROPN
cjfa-3243	167	25	.	.	PUNCT
cjfa-3243	168	1	pl/	pl/	PROPN
cjfa-3243	168	2	(	(	PUNCT
cjfa-3243	168	3	access	access	NOUN
cjfa-3243	168	4	:	:	PUNCT
cjfa-3243	168	5	28.12.2013	28.12.2013	NUM
cjfa-3243	168	6	)	)	PUNCT
cjfa-3243	168	7	.	.	PUNCT
cjfa-3243	169	1	rick	rick	PROPN
cjfa-3243	169	2	m.	m.	PROPN
cjfa-3243	169	3	(	(	PUNCT
cjfa-3243	169	4	2010	2010	NUM
cjfa-3243	169	5	)	)	PUNCT
cjfa-3243	169	6	,	,	PUNCT
cjfa-3243	169	7	shadow	shadow	NOUN
cjfa-3243	169	8	banking	banking	NOUN
cjfa-3243	169	9	and	and	CCONJ
cjfa-3243	169	10	financial	financial	ADJ
cjfa-3243	169	11	regulation	regulation	NOUN
cjfa-3243	169	12	,	,	PUNCT
cjfa-3243	169	13	“	"	PUNCT
cjfa-3243	169	14	columbia	columbia	NOUN
cjfa-3243	169	15	law	law	PROPN
cjfa-3243	169	16	and	and	CCONJ
cjfa-3243	169	17	economics	economics	NOUN
cjfa-3243	169	18	working	working	PROPN
cjfa-3243	169	19	paper	paper	NOUN
cjfa-3243	169	20	”	"	PUNCT
cjfa-3243	169	21	,	,	PUNCT
cjfa-3243	169	22	no	no	INTJ
cjfa-3243	169	23	.	.	NOUN
cjfa-3243	169	24	370	370	NUM
cjfa-3243	169	25	,	,	PUNCT
cjfa-3243	169	26	http://dx.doi.org/10.2139%2fssrn.1571290	http://dx.doi.org/10.2139%2fssrn.1571290	PROPN
cjfa-3243	169	27	.	.	PUNCT
cjfa-3243	170	1	schwarcz	schwarcz	ADJ
cjfa-3243	170	2	s.	s.	PROPN
cjfa-3243	170	3	(	(	PUNCT
cjfa-3243	170	4	2012	2012	NUM
cjfa-3243	170	5	)	)	PUNCT
cjfa-3243	170	6	,	,	PUNCT
cjfa-3243	170	7	regulating	regulate	VERB
cjfa-3243	170	8	shadow	shadow	NOUN
cjfa-3243	170	9	banking	banking	NOUN
cjfa-3243	170	10	,	,	PUNCT
cjfa-3243	170	11	„	„	PUNCT
cjfa-3243	170	12	review	review	NOUN
cjfa-3243	170	13	of	of	ADP
cjfa-3243	170	14	banking	banking	NOUN
cjfa-3243	170	15	and	and	CCONJ
cjfa-3243	170	16	financial	financial	ADJ
cjfa-3243	170	17	law	law	NOUN
cjfa-3243	170	18	”	"	PUNCT
cjfa-3243	170	19	,	,	PUNCT
cjfa-3243	170	20	vol	vol	NOUN
cjfa-3243	170	21	.	.	PROPN
cjfa-3243	170	22	31	31	NUM
cjfa-3243	170	23	,	,	PUNCT
cjfa-3243	170	24	no	no	INTJ
cjfa-3243	170	25	.	.	NOUN
cjfa-3243	170	26	1	1	NUM
cjfa-3243	170	27	.	.	X
cjfa-3243	170	28	shadow	shadow	NOUN
cjfa-3243	170	29	banking	bank	VERB
cjfa-3243	170	30	green	green	PROPN
cjfa-3243	170	31	paper	paper	PROPN
cjfa-3243	170	32	(	(	PUNCT
cjfa-3243	170	33	2012	2012	NUM
cjfa-3243	170	34	)	)	PUNCT
cjfa-3243	170	35	,	,	PUNCT
cjfa-3243	170	36	european	european	PROPN
cjfa-3243	170	37	commission	commission	PROPN
cjfa-3243	170	38	,	,	PUNCT
cjfa-3243	170	39	http://ec.europa.eu/internal_market/bank/docs/shadow/green-paper_en.pdf	http://ec.europa.eu/internal_market/bank/docs/shadow/green-paper_en.pdf	PROPN
cjfa-3243	170	40	(	(	PUNCT
cjfa-3243	170	41	access	access	NOUN
cjfa-3243	170	42	:	:	PUNCT
cjfa-3243	170	43	17.09.2013	17.09.2013	NUM
cjfa-3243	170	44	)	)	PUNCT
cjfa-3243	170	45	.	.	PUNCT
cjfa-3243	171	1	shadow	shadow	PROPN
cjfa-3243	171	2	banking	banking	NOUN
cjfa-3243	171	3	:	:	PUNCT
cjfa-3243	171	4	strengthening	strengthen	VERB
cjfa-3243	171	5	oversight	oversight	NOUN
cjfa-3243	171	6	and	and	CCONJ
cjfa-3243	171	7	regulation	regulation	NOUN
cjfa-3243	171	8	(	(	PUNCT
cjfa-3243	171	9	2011	2011	NUM
cjfa-3243	171	10	)	)	PUNCT
cjfa-3243	171	11	,	,	PUNCT
cjfa-3243	171	12	the	the	DET
cjfa-3243	171	13	financial	financial	ADJ
cjfa-3243	171	14	stability	stability	PROPN
cjfa-3243	171	15	board	board	PROPN
cjfa-3243	171	16	.	.	PUNCT
cjfa-3243	172	1	http://www.financialstabilityboard.org/publications/r_111027a.pdf	http://www.financialstabilityboard.org/publications/r_111027a.pdf	NOUN
cjfa-3243	172	2	(	(	PUNCT
cjfa-3243	172	3	access	access	NOUN
cjfa-3243	172	4	:	:	PUNCT
cjfa-3243	172	5	27.12.2013	27.12.2013	NUM
cjfa-3243	172	6	)	)	PUNCT
cjfa-3243	172	7	,	,	PUNCT
cjfa-3243	172	8	http://dx.doi.org/10.2139%2fssrn.2182601	http://dx.doi.org/10.2139%2fssrn.2182601	PROPN
cjfa-3243	172	9	.	.	PUNCT
cjfa-3243	173	1	solarz	solarz	PROPN
cjfa-3243	173	2	m.	m.	PROPN
cjfa-3243	173	3	(	(	PUNCT
cjfa-3243	173	4	2011	2011	NUM
cjfa-3243	173	5	)	)	PUNCT
cjfa-3243	173	6	,	,	PUNCT
cjfa-3243	173	7	the	the	DET
cjfa-3243	173	8	role	role	NOUN
cjfa-3243	173	9	of	of	ADP
cjfa-3243	173	10	social	social	ADJ
cjfa-3243	173	11	lending	lending	NOUN
cjfa-3243	173	12	in	in	ADP
cjfa-3243	173	13	financial	financial	ADJ
cjfa-3243	173	14	inclusion	inclusion	NOUN
cjfa-3243	173	15	,	,	PUNCT
cjfa-3243	173	16	[	[	X
cjfa-3243	173	17	in	in	ADP
cjfa-3243	173	18	:]	:]	PROPN
cjfa-3243	173	19	financial	financial	ADJ
cjfa-3243	173	20	sciences	sciences	PROPN
cjfa-3243	173	21	,	,	PUNCT
cjfa-3243	173	22	e.	e.	PROPN
cjfa-3243	173	23	bogacka	bogacka	PROPN
cjfa-3243	173	24	-	-	PUNCT
cjfa-3243	173	25	kisiel	kisiel	PROPN
cjfa-3243	173	26	(	(	PUNCT
cjfa-3243	173	27	ed	ed	NOUN
cjfa-3243	173	28	.	.	PUNCT
cjfa-3243	173	29	)	)	PUNCT
cjfa-3243	173	30	,	,	PUNCT
cjfa-3243	173	31	“	"	PUNCT
cjfa-3243	173	32	research	research	NOUN
cjfa-3243	173	33	papers	paper	NOUN
cjfa-3243	173	34	of	of	ADP
cjfa-3243	173	35	wroclaw	wroclaw	PROPN
cjfa-3243	173	36	university	university	PROPN
cjfa-3243	173	37	of	of	ADP
cjfa-3243	173	38	economics	economic	NOUN
cjfa-3243	173	39	”	"	PUNCT
cjfa-3243	173	40	,	,	PUNCT
cjfa-3243	173	41	no	no	INTJ
cjfa-3243	173	42	.	.	NOUN
cjfa-3243	174	1	184	184	NUM
cjfa-3243	174	2	.	.	PUNCT
cjfa-3243	174	3	solarz	solarz	PROPN
cjfa-3243	174	4	m.	m.	NOUN
cjfa-3243	174	5	(	(	PUNCT
cjfa-3243	174	6	2013	2013	NUM
cjfa-3243	174	7	)	)	PUNCT
cjfa-3243	174	8	,	,	PUNCT
cjfa-3243	174	9	financial	financial	ADJ
cjfa-3243	174	10	capability	capability	NOUN
cjfa-3243	174	11	development	development	NOUN
cjfa-3243	174	12	as	as	ADP
cjfa-3243	174	13	the	the	DET
cjfa-3243	174	14	responsible	responsible	ADJ
cjfa-3243	174	15	finance	finance	NOUN
cjfa-3243	174	16	instrument	instrument	NOUN
cjfa-3243	174	17	counteracting	counteract	VERB
cjfa-3243	174	18	financial	financial	ADJ
cjfa-3243	174	19	exclusion	exclusion	NOUN
cjfa-3243	174	20	,	,	PUNCT
cjfa-3243	174	21	[	[	X
cjfa-3243	174	22	in	in	ADP
cjfa-3243	174	23	:]	:]	INTJ
cjfa-3243	174	24	finance	finance	NOUN
cjfa-3243	174	25	and	and	CCONJ
cjfa-3243	174	26	accountancy	accountancy	NOUN
cjfa-3243	174	27	for	for	ADP
cjfa-3243	174	28	sustainable	sustainable	ADJ
cjfa-3243	174	29	development	development	NOUN
cjfa-3243	174	30	–	–	PUNCT
cjfa-3243	174	31	sustainable	sustainable	ADJ
cjfa-3243	174	32	finance	finance	NOUN
cjfa-3243	174	33	,	,	PUNCT
cjfa-3243	174	34	g.	g.	PROPN
cjfa-3243	174	35	borys	borys	PROPN
cjfa-3243	174	36	,	,	PUNCT
cjfa-3243	174	37	m.	m.	NOUN
cjfa-3243	174	38	solarz	solarz	PROPN
cjfa-3243	174	39	(	(	PUNCT
cjfa-3243	174	40	eds	ed	NOUN
cjfa-3243	174	41	.	.	PUNCT
cjfa-3243	174	42	)	)	PUNCT
cjfa-3243	174	43	,	,	PUNCT
cjfa-3243	174	44	“	"	PUNCT
cjfa-3243	174	45	research	research	NOUN
cjfa-3243	174	46	papers	paper	NOUN
cjfa-3243	174	47	of	of	ADP
cjfa-3243	174	48	wroclaw	wroclaw	PROPN
cjfa-3243	174	49	university	university	PROPN
cjfa-3243	174	50	of	of	ADP
cjfa-3243	174	51	economics	economic	NOUN
cjfa-3243	174	52	”	"	PUNCT
cjfa-3243	174	53	,	,	PUNCT
cjfa-3243	174	54	no	no	INTJ
cjfa-3243	174	55	.	.	NOUN
cjfa-3243	174	56	302	302	NUM
cjfa-3243	174	57	.	.	PUNCT
cjfa-3243	175	1	the	the	DET
cjfa-3243	175	2	global	global	ADJ
cjfa-3243	175	3	financial	financial	ADJ
cjfa-3243	175	4	inclusion	inclusion	NOUN
cjfa-3243	175	5	database	database	NOUN
cjfa-3243	175	6	(	(	PUNCT
cjfa-3243	175	7	2013	2013	NUM
cjfa-3243	175	8	)	)	PUNCT
cjfa-3243	175	9	,	,	PUNCT
cjfa-3243	175	10	the	the	DET
cjfa-3243	175	11	world	world	PROPN
cjfa-3243	175	12	bank	bank	PROPN
cjfa-3243	175	13	,	,	PUNCT
cjfa-3243	175	14	http://databank.worldbank.org	http://databank.worldbank.org	NOUN
cjfa-3243	175	15	(	(	PUNCT
cjfa-3243	175	16	30.09.2013	30.09.2013	NUM
cjfa-3243	175	17	)	)	PUNCT
cjfa-3243	175	18	.	.	PUNCT
cjfa-3243	176	1	zaleska	zaleska	PROPN
cjfa-3243	176	2	m.	m.	NOUN
cjfa-3243	176	3	(	(	PUNCT
cjfa-3243	176	4	2012	2012	NUM
cjfa-3243	176	5	)	)	PUNCT
cjfa-3243	176	6	,	,	PUNCT
cjfa-3243	176	7	szara	szara	NOUN
cjfa-3243	176	8	bankowość	bankowość	NOUN
cjfa-3243	176	9	,	,	PUNCT
cjfa-3243	176	10	„	„	PUNCT
cjfa-3243	176	11	gazeta	gazeta	PROPN
cjfa-3243	176	12	bankowa	bankowa	NOUN
cjfa-3243	176	13	”	"	PUNCT
cjfa-3243	176	14	,	,	PUNCT
cjfa-3243	176	15	nr	nr	PROPN
cjfa-3243	176	16	9	9	NUM
cjfa-3243	176	17	.	.	PUNCT