id	sid	tid	token	lemma	pos
cjfa-38808	1	1	date	date	NOUN
cjfa-38808	1	2	of	of	ADP
cjfa-38808	1	3	submission	submission	NOUN
cjfa-38808	1	4	:	:	PUNCT
cjfa-38808	1	5	september	september	PROPN
cjfa-38808	1	6	3	3	NUM
cjfa-38808	1	7	,	,	PUNCT
cjfa-38808	1	8	2021	2021	NUM
cjfa-38808	1	9	;	;	PUNCT
cjfa-38808	1	10	date	date	NOUN
cjfa-38808	1	11	of	of	ADP
cjfa-38808	1	12	acceptance	acceptance	NOUN
cjfa-38808	1	13	:	:	PUNCT
cjfa-38808	1	14	october	october	PROPN
cjfa-38808	1	15	3	3	NUM
cjfa-38808	1	16	,	,	PUNCT
cjfa-38808	1	17	2021	2021	NUM
cjfa-38808	1	18	.	.	PUNCT
cjfa-38808	2	1	*	*	PUNCT
cjfa-38808	2	2	contact	contact	NOUN
cjfa-38808	2	3	information	information	NOUN
cjfa-38808	2	4	:	:	PUNCT
cjfa-38808	2	5	benslimenrihab123@gmail.com	benslimenrihab123@gmail.com	NUM
cjfa-38808	2	6	,	,	PUNCT
cjfa-38808	2	7	faculty	faculty	NOUN
cjfa-38808	2	8	of	of	ADP
cjfa-38808	2	9	economics	economic	NOUN
cjfa-38808	2	10	and	and	CCONJ
cjfa-38808	2	11	management	management	NOUN
cjfa-38808	2	12	sciences	science	NOUN
cjfa-38808	2	13	of	of	ADP
cjfa-38808	2	14	nabeul	nabeul	PROPN
cjfa-38808	2	15	,	,	PUNCT
cjfa-38808	2	16	carthage	carthage	NOUN
cjfa-38808	2	17	university	university	PROPN
cjfa-38808	2	18	,	,	PUNCT
cjfa-38808	2	19	tunisia	tunisia	PROPN
cjfa-38808	2	20	,	,	PUNCT
cjfa-38808	2	21	phone	phone	NOUN
cjfa-38808	2	22	:	:	PUNCT
cjfa-38808	2	23	+216	+216	NUM
cjfa-38808	2	24	55	55	NUM
cjfa-38808	2	25	903	903	NUM
cjfa-38808	2	26	410	410	NUM
cjfa-38808	2	27	–	–	PUNCT
cjfa-38808	2	28	+55	+55	PROPN
cjfa-38808	2	29	903	903	NUM
cjfa-38808	2	30	410	410	NUM
cjfa-38808	2	31	;	;	PUNCT
cjfa-38808	2	32	orcid	orcid	PROPN
cjfa-38808	3	1	i	i	NOUN
cjfa-38808	3	2	d	d	NOUN
cjfa-38808	3	3	:	:	PUNCT
cjfa-38808	3	4	https://orcid.org/0000-0002-5978-5311	https://orcid.org/0000-0002-5978-5311	NOUN
cjfa-38808	3	5	.	.	PUNCT
cjfa-38808	4	1	*	*	PUNCT
cjfa-38808	4	2	*	*	PUNCT
cjfa-38808	4	3	contact	contact	NOUN
cjfa-38808	4	4	information	information	NOUN
cjfa-38808	4	5	:	:	PUNCT
cjfa-38808	4	6	fethipremier@yahoo.fr	fethipremier@yahoo.fr	PROPN
cjfa-38808	4	7	,	,	PUNCT
cjfa-38808	4	8	faculty	faculty	NOUN
cjfa-38808	4	9	of	of	ADP
cjfa-38808	4	10	economics	economic	NOUN
cjfa-38808	4	11	and	and	CCONJ
cjfa-38808	4	12	management	management	NOUN
cjfa-38808	4	13	sciences	science	NOUN
cjfa-38808	4	14	of	of	ADP
cjfa-38808	4	15	nabeul	nabeul	PROPN
cjfa-38808	4	16	,	,	PUNCT
cjfa-38808	4	17	carthage	carthage	NOUN
cjfa-38808	4	18	university	university	PROPN
cjfa-38808	4	19	,	,	PUNCT
cjfa-38808	4	20	tunisia	tunisia	NOUN
cjfa-38808	4	21	;	;	PUNCT
cjfa-38808	4	22	rim	rim	PROPN
cjfa-38808	4	23	-	-	PUNCT
cjfa-38808	4	24	raf	raf	PROPN
cjfa-38808	4	25	,	,	PUNCT
cjfa-38808	4	26	manouba	manouba	PROPN
cjfa-38808	4	27	university	university	PROPN
cjfa-38808	4	28	,	,	PUNCT
cjfa-38808	4	29	tunisia	tunisia	PROPN
cjfa-38808	4	30	,	,	PUNCT
cjfa-38808	4	31	phone	phone	NOUN
cjfa-38808	4	32	:	:	PUNCT
cjfa-38808	4	33	+216	+216	X
cjfa-38808	4	34	72	72	NUM
cjfa-38808	5	1	232	232	NUM
cjfa-38808	5	2	205	205	NUM
cjfa-38808	5	3	–	–	PUNCT
cjfa-38808	5	4	+216	+216	NUM
cjfa-38808	5	5	72	72	NUM
cjfa-38808	5	6	232	232	NUM
cjfa-38808	5	7	133	133	NUM
cjfa-38808	5	8	;	;	PUNCT
cjfa-38808	5	9	orcid	orcid	PROPN
cjfa-38808	6	1	i	i	NOUN
cjfa-38808	6	2	d	d	NOUN
cjfa-38808	6	3	:	:	PUNCT
cjfa-38808	7	1	https://orcid.org/00000002-1122-9949	https://orcid.org/00000002-1122-9949	X
cjfa-38808	7	2	.	.	PUNCT
cjfa-38808	8	1	*	*	PUNCT
cjfa-38808	9	1	*	*	PUNCT
cjfa-38808	9	2	*	*	PUNCT
cjfa-38808	9	3	contact	contact	NOUN
cjfa-38808	9	4	information	information	NOUN
cjfa-38808	9	5	(	(	PUNCT
cjfa-38808	9	6	corresponding	correspond	VERB
cjfa-38808	9	7	author	author	NOUN
cjfa-38808	9	8	):	):	PUNCT
cjfa-38808	9	9	manel.hadriche@yahoo.fr	manel.hadriche@yahoo.fr	NOUN
cjfa-38808	9	10	,	,	PUNCT
cjfa-38808	9	11	faculty	faculty	NOUN
cjfa-38808	9	12	of	of	ADP
cjfa-38808	9	13	economics	economic	NOUN
cjfa-38808	9	14	and	and	CCONJ
cjfa-38808	9	15	management	management	NOUN
cjfa-38808	9	16	sciences	science	NOUN
cjfa-38808	9	17	of	of	ADP
cjfa-38808	9	18	nabeul	nabeul	PROPN
cjfa-38808	9	19	,	,	PUNCT
cjfa-38808	9	20	carthage	carthage	NOUN
cjfa-38808	9	21	university	university	PROPN
cjfa-38808	9	22	,	,	PUNCT
cjfa-38808	9	23	tunisia	tunisia	PROPN
cjfa-38808	9	24	;	;	PUNCT
cjfa-38808	9	25	fcf	fcf	PROPN
cjfa-38808	9	26	,	,	PUNCT
cjfa-38808	9	27	manar	manar	PROPN
cjfa-38808	9	28	university	university	PROPN
cjfa-38808	9	29	,	,	PUNCT
cjfa-38808	9	30	tunisia	tunisia	PROPN
cjfa-38808	9	31	,	,	PUNCT
cjfa-38808	9	32	phone	phone	NOUN
cjfa-38808	9	33	:	:	PUNCT
cjfa-38808	9	34	55741655	55741655	NUM
cjfa-38808	9	35	;	;	PUNCT
cjfa-38808	9	36	orcid	orcid	PROPN
cjfa-38808	9	37	i	i	NOUN
cjfa-38808	9	38	d	d	NOUN
cjfa-38808	9	39	:	:	PUNCT
cjfa-38808	9	40	https://orcid.org/0000-00032873-6100	https://orcid.org/0000-00032873-6100	INTJ
cjfa-38808	9	41	.	.	PUNCT
cjfa-38808	10	1	*	*	PUNCT
cjfa-38808	10	2	*	*	PUNCT
cjfa-38808	10	3	*	*	PUNCT
cjfa-38808	10	4	*	*	PUNCT
cjfa-38808	10	5	contact	contact	NOUN
cjfa-38808	10	6	information	information	NOUN
cjfa-38808	10	7	:	:	PUNCT
cjfa-38808	11	1	ghroubi_m2002@yahoo.fr	ghroubi_m2002@yahoo.fr	NOUN
cjfa-38808	11	2	,	,	PUNCT
cjfa-38808	11	3	higher	high	ADJ
cjfa-38808	11	4	institute	institute	NOUN
cjfa-38808	11	5	of	of	ADP
cjfa-38808	11	6	theology	theology	NOUN
cjfa-38808	11	7	,	,	PUNCT
cjfa-38808	11	8	ez	ez	PROPN
cjfa-38808	11	9	-	-	PROPN
cjfa-38808	11	10	zitouna	zitouna	PROPN
cjfa-38808	11	11	university	university	PROPN
cjfa-38808	11	12	,	,	PUNCT
cjfa-38808	11	13	tunisia	tunisia	PROPN
cjfa-38808	11	14	,	,	PUNCT
cjfa-38808	11	15	phone	phone	NOUN
cjfa-38808	11	16	:	:	PUNCT
cjfa-38808	11	17	98482663	98482663	NUM
cjfa-38808	11	18	;	;	PUNCT
cjfa-38808	11	19	orcid	orcid	NOUN
cjfa-38808	12	1	i	i	NOUN
cjfa-38808	12	2	d	d	PROPN
cjfa-38808	12	3	:	:	PUNCT
cjfa-38808	12	4	https://orcid.org/	https://orcid.org/	PROPN
cjfa-38808	12	5	00000002	00000002	NUM
cjfa-38808	12	6	-	-	PUNCT
cjfa-38808	12	7	2067	2067	NUM
cjfa-38808	12	8	-	-	SYM
cjfa-38808	12	9	8391	8391	NUM
cjfa-38808	12	10	.	.	PUNCT
cjfa-38808	13	1	copernican	copernican	PROPN
cjfa-38808	13	2	journal	journal	PROPN
cjfa-38808	13	3	of	of	ADP
cjfa-38808	13	4	finance	finance	PROPN
cjfa-38808	13	5	&	&	CCONJ
cjfa-38808	13	6	accounting	accounting	PROPN
cjfa-38808	13	7	e	e	PROPN
cjfa-38808	13	8	-	-	PROPN
cjfa-38808	13	9	issn	issn	PROPN
cjfa-38808	13	10	2300	2300	NUM
cjfa-38808	13	11	-	-	SYM
cjfa-38808	13	12	3065	3065	NUM
cjfa-38808	13	13	p	p	PROPN
cjfa-38808	13	14	-	-	PUNCT
cjfa-38808	13	15	issn	issn	PROPN
cjfa-38808	13	16	2300	2300	NUM
cjfa-38808	13	17	-	-	SYM
cjfa-38808	13	18	12402022	12402022	NUM
cjfa-38808	13	19	,	,	PUNCT
cjfa-38808	13	20	volume	volume	NOUN
cjfa-38808	13	21	11	11	NUM
cjfa-38808	13	22	,	,	PUNCT
cjfa-38808	13	23	issue	issue	VERB
cjfa-38808	13	24	1	1	NUM
cjfa-38808	13	25	slimen	sliman	NOUN
cjfa-38808	13	26	,	,	PUNCT
cjfa-38808	13	27	r.b	r.b	PROPN
cjfa-38808	13	28	.	.	PROPN
cjfa-38808	13	29	,	,	PUNCT
cjfa-38808	13	30	belhaj	belhaj	PROPN
cjfa-38808	13	31	,	,	PUNCT
cjfa-38808	13	32	f.	f.	PROPN
cjfa-38808	13	33	,	,	PUNCT
cjfa-38808	13	34	hadriche	hadriche	NOUN
cjfa-38808	13	35	,	,	PUNCT
cjfa-38808	13	36	m.	m.	NOUN
cjfa-38808	13	37	,	,	PUNCT
cjfa-38808	13	38	&	&	CCONJ
cjfa-38808	13	39	ghroubi	ghroubi	ADJ
cjfa-38808	13	40	,	,	PUNCT
cjfa-38808	13	41	m.	m.	NOUN
cjfa-38808	13	42	(	(	PUNCT
cjfa-38808	13	43	2022	2022	NUM
cjfa-38808	13	44	)	)	PUNCT
cjfa-38808	13	45	.	.	PUNCT
cjfa-38808	14	1	banking	banking	NOUN
cjfa-38808	14	2	efficiency	efficiency	NOUN
cjfa-38808	14	3	:	:	PUNCT
cjfa-38808	14	4	a	a	DET
cjfa-38808	14	5	comparative	comparative	ADJ
cjfa-38808	14	6	study	study	NOUN
cjfa-38808	14	7	between	between	ADP
cjfa-38808	14	8	islamic	islamic	ADJ
cjfa-38808	14	9	and	and	CCONJ
cjfa-38808	14	10	conventional	conventional	ADJ
cjfa-38808	14	11	banks	bank	NOUN
cjfa-38808	14	12	in	in	ADP
cjfa-38808	14	13	gcc	gcc	NOUN
cjfa-38808	14	14	countries	country	NOUN
cjfa-38808	14	15	.	.	PUNCT
cjfa-38808	15	1	copernican	copernican	PROPN
cjfa-38808	15	2	journal	journal	PROPN
cjfa-38808	15	3	of	of	ADP
cjfa-38808	15	4	finance	finance	PROPN
cjfa-38808	15	5	&	&	CCONJ
cjfa-38808	15	6	accounting	accounting	PROPN
cjfa-38808	15	7	,	,	PUNCT
cjfa-38808	15	8	11(1	11(1	NUM
cjfa-38808	15	9	)	)	PUNCT
cjfa-38808	15	10	,	,	PUNCT
cjfa-38808	15	11	89–106	89–106	NUM
cjfa-38808	15	12	.	.	PUNCT
cjfa-38808	16	1	http://dx.doi.org/10.12775/cjfa.2022.005	http://dx.doi.org/10.12775/cjfa.2022.005	PROPN
cjfa-38808	16	2	rihab	rihab	PROPN
cjfa-38808	16	3	ben	ben	PROPN
cjfa-38808	16	4	slimen	slimen	PROPN
cjfa-38808	16	5	*	*	PROPN
cjfa-38808	16	6	carthage	carthage	PROPN
cjfa-38808	16	7	university	university	PROPN
cjfa-38808	16	8	,	,	PUNCT
cjfa-38808	16	9	tunisia	tunisia	PROPN
cjfa-38808	16	10	fethi	fethi	VERB
cjfa-38808	16	11	belhaj	belhaj	PROPN
cjfa-38808	16	12	*	*	PROPN
cjfa-38808	16	13	*	*	PROPN
cjfa-38808	16	14	carthage	carthage	PROPN
cjfa-38808	16	15	university	university	PROPN
cjfa-38808	16	16	,	,	PUNCT
cjfa-38808	16	17	tunisia	tunisia	PROPN
cjfa-38808	16	18	manouba	manouba	PROPN
cjfa-38808	16	19	university	university	PROPN
cjfa-38808	16	20	,	,	PUNCT
cjfa-38808	16	21	tunisia	tunisia	NOUN
cjfa-38808	16	22	manel	manel	PROPN
cjfa-38808	16	23	hadriche	hadriche	NOUN
cjfa-38808	16	24	*	*	PUNCT
cjfa-38808	16	25	*	*	PUNCT
cjfa-38808	16	26	*	*	PROPN
cjfa-38808	16	27	carthage	carthage	PROPN
cjfa-38808	16	28	university	university	NOUN
cjfa-38808	16	29	,	,	PUNCT
cjfa-38808	16	30	tunisia	tunisia	PROPN
cjfa-38808	16	31	manar	manar	PROPN
cjfa-38808	16	32	university	university	PROPN
cjfa-38808	16	33	,	,	PUNCT
cjfa-38808	16	34	tunisia	tunisia	PROPN
cjfa-38808	16	35	mohamed	mohame	VERB
cjfa-38808	16	36	ghroubi	ghroubi	PROPN
cjfa-38808	16	37	*	*	PUNCT
cjfa-38808	16	38	*	*	PUNCT
cjfa-38808	16	39	*	*	PUNCT
cjfa-38808	16	40	*	*	PUNCT
cjfa-38808	16	41	ez	ez	PROPN
cjfa-38808	16	42	-	-	PROPN
cjfa-38808	16	43	zitouna	zitouna	PROPN
cjfa-38808	16	44	university	university	PROPN
cjfa-38808	16	45	,	,	PUNCT
cjfa-38808	16	46	tunisia	tunisia	NOUN
cjfa-38808	16	47	banking	banking	NOUN
cjfa-38808	16	48	efficiency	efficiency	NOUN
cjfa-38808	16	49	:	:	PUNCT
cjfa-38808	16	50	a	a	DET
cjfa-38808	16	51	comparative	comparative	ADJ
cjfa-38808	16	52	study	study	NOUN
cjfa-38808	16	53	between	between	ADP
cjfa-38808	16	54	islamic	islamic	ADJ
cjfa-38808	16	55	and	and	CCONJ
cjfa-38808	16	56	conventional	conventional	ADJ
cjfa-38808	16	57	banks	bank	NOUN
cjfa-38808	16	58	in	in	ADP
cjfa-38808	16	59	gcc	gcc	NOUN
cjfa-38808	16	60	countries	countries	PROPN
cjfa-38808	16	61	r.	r.	PROPN
cjfa-38808	16	62	b.	b.	PROPN
cjfa-38808	16	63	slimen	slimen	PROPN
cjfa-38808	16	64	,	,	PUNCT
cjfa-38808	16	65	f.	f.	PROPN
cjfa-38808	16	66	belhaj	belhaj	PROPN
cjfa-38808	16	67	,	,	PUNCT
cjfa-38808	16	68	m.	m.	NOUN
cjfa-38808	16	69	hadriche	hadriche	NOUN
cjfa-38808	16	70	,	,	PUNCT
cjfa-38808	16	71	m.	m.	NOUN
cjfa-38808	16	72	ghroubi90	ghroubi90	NOUN
cjfa-38808	16	73	keywords	keyword	NOUN
cjfa-38808	16	74	:	:	PUNCT
cjfa-38808	16	75	banking	banking	NOUN
cjfa-38808	16	76	efficiency	efficiency	NOUN
cjfa-38808	16	77	,	,	PUNCT
cjfa-38808	16	78	cir	cir	NOUN
cjfa-38808	16	79	ratio	ratio	NOUN
cjfa-38808	16	80	,	,	PUNCT
cjfa-38808	16	81	conventional	conventional	ADJ
cjfa-38808	16	82	banks	bank	NOUN
cjfa-38808	16	83	,	,	PUNCT
cjfa-38808	16	84	islamic	islamic	ADJ
cjfa-38808	16	85	banks	bank	NOUN
cjfa-38808	16	86	,	,	PUNCT
cjfa-38808	16	87	stochastic	stochastic	ADJ
cjfa-38808	16	88	frontier	frontier	NOUN
cjfa-38808	16	89	analysis	analysis	NOUN
cjfa-38808	16	90	.	.	PUNCT
cjfa-38808	17	1	j	j	PROPN
cjfa-38808	17	2	e	e	PROPN
cjfa-38808	17	3	l	l	NOUN
cjfa-38808	17	4	classification	classification	NOUN
cjfa-38808	17	5	:	:	PUNCT
cjfa-38808	17	6	g28	g28	NOUN
cjfa-38808	17	7	,	,	PUNCT
cjfa-38808	17	8	g21	g21	PROPN
cjfa-38808	17	9	,	,	PUNCT
cjfa-38808	17	10	d24	d24	NOUN
cjfa-38808	17	11	.	.	PUNCT
cjfa-38808	18	1	abstract	abstract	NOUN
cjfa-38808	18	2	:	:	PUNCT
cjfa-38808	18	3	this	this	DET
cjfa-38808	18	4	research	research	NOUN
cjfa-38808	18	5	aims	aim	VERB
cjfa-38808	18	6	at	at	ADP
cjfa-38808	18	7	comparing	compare	VERB
cjfa-38808	18	8	the	the	DET
cjfa-38808	18	9	efficiency	efficiency	NOUN
cjfa-38808	18	10	of	of	ADP
cjfa-38808	18	11	islamic	islamic	ADJ
cjfa-38808	18	12	and	and	CCONJ
cjfa-38808	18	13	conventional	conventional	ADJ
cjfa-38808	18	14	banks	bank	NOUN
cjfa-38808	18	15	operating	operate	VERB
cjfa-38808	18	16	in	in	ADP
cjfa-38808	18	17	the	the	DET
cjfa-38808	18	18	gcc	gcc	NOUN
cjfa-38808	18	19	countries	country	NOUN
cjfa-38808	18	20	from	from	ADP
cjfa-38808	18	21	2006	2006	NUM
cjfa-38808	18	22	to	to	ADP
cjfa-38808	18	23	2015	2015	NUM
cjfa-38808	18	24	for	for	ADP
cjfa-38808	18	25	a	a	DET
cjfa-38808	18	26	sample	sample	NOUN
cjfa-38808	18	27	of	of	ADP
cjfa-38808	18	28	51	51	NUM
cjfa-38808	18	29	conventional	conventional	ADJ
cjfa-38808	18	30	and	and	CCONJ
cjfa-38808	18	31	48	48	NUM
cjfa-38808	18	32	islamic	islamic	ADJ
cjfa-38808	18	33	banks	bank	NOUN
cjfa-38808	18	34	using	use	VERB
cjfa-38808	18	35	stochastic	stochastic	ADJ
cjfa-38808	18	36	frontier	frontier	NOUN
cjfa-38808	18	37	analysis	analysis	NOUN
cjfa-38808	18	38	and	and	CCONJ
cjfa-38808	18	39	the	the	DET
cjfa-38808	18	40	cir	cir	NOUN
cjfa-38808	18	41	ratio	ratio	NOUN
cjfa-38808	18	42	.	.	PUNCT
cjfa-38808	19	1	the	the	DET
cjfa-38808	19	2	results	result	NOUN
cjfa-38808	19	3	show	show	VERB
cjfa-38808	19	4	that	that	SCONJ
cjfa-38808	19	5	islamic	islamic	ADJ
cjfa-38808	19	6	banks	bank	NOUN
cjfa-38808	19	7	are	be	AUX
cjfa-38808	19	8	less	less	ADV
cjfa-38808	19	9	efficient	efficient	ADJ
cjfa-38808	19	10	in	in	ADP
cjfa-38808	19	11	terms	term	NOUN
cjfa-38808	19	12	of	of	ADP
cjfa-38808	19	13	cost	cost	NOUN
cjfa-38808	19	14	than	than	ADP
cjfa-38808	19	15	conventional	conventional	ADJ
cjfa-38808	19	16	banks	bank	NOUN
cjfa-38808	19	17	,	,	PUNCT
cjfa-38808	19	18	and	and	CCONJ
cjfa-38808	19	19	that	that	SCONJ
cjfa-38808	19	20	this	this	DET
cjfa-38808	19	21	result	result	NOUN
cjfa-38808	19	22	remains	remain	VERB
cjfa-38808	19	23	valid	valid	ADJ
cjfa-38808	19	24	even	even	ADV
cjfa-38808	19	25	during	during	ADP
cjfa-38808	19	26	the	the	DET
cjfa-38808	19	27	2008	2008	NUM
cjfa-38808	19	28	crisis	crisis	NOUN
cjfa-38808	19	29	period	period	NOUN
cjfa-38808	19	30	and	and	CCONJ
cjfa-38808	19	31	even	even	ADV
cjfa-38808	19	32	after	after	ADP
cjfa-38808	19	33	controlling	control	VERB
cjfa-38808	19	34	for	for	ADP
cjfa-38808	19	35	bank	bank	NOUN
cjfa-38808	19	36	-	-	PUNCT
cjfa-38808	19	37	specific	specific	ADJ
cjfa-38808	19	38	variables	variable	NOUN
cjfa-38808	19	39	.	.	PUNCT
cjfa-38808	20	1	regarding	regard	VERB
cjfa-38808	20	2	the	the	DET
cjfa-38808	20	3	determinants	determinant	NOUN
cjfa-38808	20	4	of	of	ADP
cjfa-38808	20	5	bank	bank	NOUN
cjfa-38808	20	6	efficiency	efficiency	NOUN
cjfa-38808	20	7	,	,	PUNCT
cjfa-38808	20	8	empirical	empirical	ADJ
cjfa-38808	20	9	results	result	NOUN
cjfa-38808	20	10	show	show	VERB
cjfa-38808	20	11	that	that	SCONJ
cjfa-38808	20	12	capital	capital	NOUN
cjfa-38808	20	13	adequacy	adequacy	NOUN
cjfa-38808	20	14	and	and	CCONJ
cjfa-38808	20	15	size	size	NOUN
cjfa-38808	20	16	positively	positively	ADV
cjfa-38808	20	17	affect	affect	VERB
cjfa-38808	20	18	bank	bank	NOUN
cjfa-38808	20	19	efficiency	efficiency	NOUN
cjfa-38808	20	20	as	as	SCONJ
cjfa-38808	20	21	measured	measure	VERB
cjfa-38808	20	22	by	by	ADP
cjfa-38808	20	23	the	the	DET
cjfa-38808	20	24	stochastic	stochastic	ADJ
cjfa-38808	20	25	frontier	frontier	NOUN
cjfa-38808	20	26	analysis	analysis	NOUN
cjfa-38808	20	27	.	.	PUNCT
cjfa-38808	21	1	results	result	NOUN
cjfa-38808	21	2	also	also	ADV
cjfa-38808	21	3	indicate	indicate	VERB
cjfa-38808	21	4	that	that	SCONJ
cjfa-38808	21	5	productive	productive	ADJ
cjfa-38808	21	6	assets	asset	NOUN
cjfa-38808	21	7	are	be	AUX
cjfa-38808	21	8	negatively	negatively	ADV
cjfa-38808	21	9	related	relate	VERB
cjfa-38808	21	10	to	to	ADP
cjfa-38808	21	11	efficiency	efficiency	NOUN
cjfa-38808	21	12	as	as	SCONJ
cjfa-38808	21	13	measured	measure	VERB
cjfa-38808	21	14	by	by	ADP
cjfa-38808	21	15	the	the	DET
cjfa-38808	21	16	cir	cir	PROPN
cjfa-38808	21	17	ratio	ratio	NOUN
cjfa-38808	21	18	.	.	PUNCT
cjfa-38808	22	1	this	this	DET
cjfa-38808	22	2	study	study	NOUN
cjfa-38808	22	3	provides	provide	VERB
cjfa-38808	22	4	new	new	ADJ
cjfa-38808	22	5	insights	insight	NOUN
cjfa-38808	22	6	in	in	ADP
cjfa-38808	22	7	terms	term	NOUN
cjfa-38808	22	8	of	of	ADP
cjfa-38808	22	9	financial	financial	ADJ
cjfa-38808	22	10	efficiency	efficiency	NOUN
cjfa-38808	22	11	of	of	ADP
cjfa-38808	22	12	the	the	DET
cjfa-38808	22	13	banking	banking	NOUN
cjfa-38808	22	14	system	system	NOUN
cjfa-38808	22	15	.	.	PUNCT
cjfa-38808	23	1	findings	finding	NOUN
cjfa-38808	23	2	could	could	AUX
cjfa-38808	23	3	help	help	VERB
cjfa-38808	23	4	islamic	islamic	ADJ
cjfa-38808	23	5	and	and	CCONJ
cjfa-38808	23	6	conventional	conventional	ADJ
cjfa-38808	23	7	banks	bank	NOUN
cjfa-38808	23	8	to	to	PART
cjfa-38808	23	9	increase	increase	VERB
cjfa-38808	23	10	their	their	PRON
cjfa-38808	23	11	efficiency	efficiency	NOUN
cjfa-38808	23	12	and	and	CCONJ
cjfa-38808	23	13	their	their	PRON
cjfa-38808	23	14	performance	performance	NOUN
cjfa-38808	23	15	and	and	CCONJ
cjfa-38808	23	16	improve	improve	VERB
cjfa-38808	23	17	the	the	DET
cjfa-38808	23	18	service	service	NOUN
cjfa-38808	23	19	provided	provide	VERB
cjfa-38808	23	20	to	to	ADP
cjfa-38808	23	21	customers	customer	NOUN
cjfa-38808	23	22	.	.	PUNCT
cjfa-38808	23	23	 	 	SPACE
cjfa-38808	24	1	introduction	introduction	NOUN
cjfa-38808	24	2	nowadays	nowadays	ADV
cjfa-38808	24	3	,	,	PUNCT
cjfa-38808	24	4	islamic	islamic	ADJ
cjfa-38808	24	5	finance	finance	NOUN
cjfa-38808	24	6	started	start	VERB
cjfa-38808	24	7	to	to	PART
cjfa-38808	24	8	attract	attract	VERB
cjfa-38808	24	9	the	the	DET
cjfa-38808	24	10	attention	attention	NOUN
cjfa-38808	24	11	of	of	ADP
cjfa-38808	24	12	scholars	scholar	NOUN
cjfa-38808	24	13	and	and	CCONJ
cjfa-38808	24	14	economists	economist	NOUN
cjfa-38808	24	15	.	.	PUNCT
cjfa-38808	25	1	many	many	ADJ
cjfa-38808	25	2	studies	study	NOUN
cjfa-38808	25	3	have	have	AUX
cjfa-38808	25	4	focused	focus	VERB
cjfa-38808	25	5	on	on	ADP
cjfa-38808	25	6	making	make	VERB
cjfa-38808	25	7	the	the	DET
cjfa-38808	25	8	comparison	comparison	NOUN
cjfa-38808	25	9	between	between	ADP
cjfa-38808	25	10	islamic	islamic	ADJ
cjfa-38808	25	11	and	and	CCONJ
cjfa-38808	25	12	conventional	conventional	ADJ
cjfa-38808	25	13	banks	bank	NOUN
cjfa-38808	25	14	,	,	PUNCT
cjfa-38808	25	15	especially	especially	ADV
cjfa-38808	25	16	after	after	ADP
cjfa-38808	25	17	the	the	DET
cjfa-38808	25	18	crisis	crisis	NOUN
cjfa-38808	25	19	(	(	PUNCT
cjfa-38808	25	20	asmild	asmild	PROPN
cjfa-38808	25	21	,	,	PUNCT
cjfa-38808	25	22	kronborg	kronborg	PROPN
cjfa-38808	25	23	&	&	CCONJ
cjfa-38808	25	24	matthews	matthews	PROPN
cjfa-38808	25	25	,	,	PUNCT
cjfa-38808	25	26	2019	2019	NUM
cjfa-38808	25	27	;	;	PUNCT
cjfa-38808	25	28	yusuf	yusuf	PROPN
cjfa-38808	25	29	,	,	PUNCT
cjfa-38808	25	30	santi	santi	PROPN
cjfa-38808	25	31	&	&	CCONJ
cjfa-38808	25	32	rismaya	rismaya	PROPN
cjfa-38808	25	33	,	,	PUNCT
cjfa-38808	25	34	2021	2021	NUM
cjfa-38808	25	35	;	;	PUNCT
cjfa-38808	25	36	izzeldin	izzeldin	NOUN
cjfa-38808	25	37	,	,	PUNCT
cjfa-38808	25	38	johnes	johne	NOUN
cjfa-38808	25	39	,	,	PUNCT
cjfa-38808	25	40	ongena	ongena	PROPN
cjfa-38808	25	41	pappas	pappas	PROPN
cjfa-38808	25	42	&	&	CCONJ
cjfa-38808	25	43	tsionas	tsiona	NOUN
cjfa-38808	25	44	,	,	PUNCT
cjfa-38808	25	45	2021	2021	NUM
cjfa-38808	25	46	)	)	PUNCT
cjfa-38808	25	47	.	.	PUNCT
cjfa-38808	26	1	researchers	researcher	NOUN
cjfa-38808	26	2	are	be	AUX
cjfa-38808	26	3	more	more	ADV
cjfa-38808	26	4	concerned	concerned	ADJ
cjfa-38808	26	5	with	with	ADP
cjfa-38808	26	6	the	the	DET
cjfa-38808	26	7	analysis	analysis	NOUN
cjfa-38808	26	8	of	of	ADP
cjfa-38808	26	9	islamic	islamic	ADJ
cjfa-38808	26	10	finance	finance	NOUN
cjfa-38808	26	11	efficiency	efficiency	NOUN
cjfa-38808	26	12	as	as	ADP
cjfa-38808	26	13	a	a	DET
cjfa-38808	26	14	means	means	NOUN
cjfa-38808	26	15	of	of	ADP
cjfa-38808	26	16	assessing	assess	VERB
cjfa-38808	26	17	bank	bank	NOUN
cjfa-38808	26	18	performance	performance	NOUN
cjfa-38808	26	19	(	(	PUNCT
cjfa-38808	26	20	isnurhadi	isnurhadi	NOUN
cjfa-38808	26	21	,	,	PUNCT
cjfa-38808	26	22	adam	adam	PROPN
cjfa-38808	26	23	,	,	PUNCT
cjfa-38808	26	24	sulastri	sulastri	PROPN
cjfa-38808	26	25	,	,	PUNCT
cjfa-38808	26	26	andriana	andriana	PROPN
cjfa-38808	26	27	&	&	CCONJ
cjfa-38808	26	28	muizzuddin	muizzuddin	NOUN
cjfa-38808	26	29	,	,	PUNCT
cjfa-38808	26	30	2021	2021	NUM
cjfa-38808	26	31	)	)	PUNCT
cjfa-38808	26	32	.	.	PUNCT
cjfa-38808	27	1	the	the	DET
cjfa-38808	27	2	assessment	assessment	NOUN
cjfa-38808	27	3	of	of	ADP
cjfa-38808	27	4	supervision	supervision	NOUN
cjfa-38808	27	5	institutions	institution	NOUN
cjfa-38808	27	6	efficiency	efficiency	NOUN
cjfa-38808	27	7	is	be	AUX
cjfa-38808	27	8	focused	focus	VERB
cjfa-38808	27	9	on	on	ADP
cjfa-38808	27	10	the	the	DET
cjfa-38808	27	11	ability	ability	NOUN
cjfa-38808	27	12	of	of	ADP
cjfa-38808	27	13	adequate	adequate	ADJ
cjfa-38808	27	14	current	current	ADJ
cjfa-38808	27	15	and	and	CCONJ
cjfa-38808	27	16	future	future	ADJ
cjfa-38808	27	17	evaluation	evaluation	NOUN
cjfa-38808	27	18	of	of	ADP
cjfa-38808	27	19	the	the	DET
cjfa-38808	27	20	supervised	supervised	ADJ
cjfa-38808	27	21	entities	entity	NOUN
cjfa-38808	27	22	operations	operation	NOUN
cjfa-38808	27	23	,	,	PUNCT
cjfa-38808	27	24	based	base	VERB
cjfa-38808	27	25	on	on	ADP
cjfa-38808	27	26	the	the	DET
cjfa-38808	27	27	available	available	ADJ
cjfa-38808	27	28	information	information	NOUN
cjfa-38808	27	29	and	and	CCONJ
cjfa-38808	27	30	making	make	VERB
cjfa-38808	27	31	proper	proper	ADJ
cjfa-38808	27	32	(	(	PUNCT
cjfa-38808	27	33	correct	correct	ADJ
cjfa-38808	27	34	)	)	PUNCT
cjfa-38808	27	35	decisions	decision	NOUN
cjfa-38808	27	36	on	on	ADP
cjfa-38808	27	37	this	this	DET
cjfa-38808	27	38	basis	basis	NOUN
cjfa-38808	27	39	(	(	PUNCT
cjfa-38808	27	40	kurek	kurek	NOUN
cjfa-38808	27	41	,	,	PUNCT
cjfa-38808	27	42	2014	2014	NUM
cjfa-38808	27	43	)	)	PUNCT
cjfa-38808	27	44	.	.	PUNCT
cjfa-38808	28	1	the	the	DET
cjfa-38808	28	2	concept	concept	NOUN
cjfa-38808	28	3	of	of	ADP
cjfa-38808	28	4	banking	banking	NOUN
cjfa-38808	28	5	efficiency	efficiency	NOUN
cjfa-38808	28	6	,	,	PUNCT
cjfa-38808	28	7	based	base	VERB
cjfa-38808	28	8	among	among	ADP
cjfa-38808	28	9	other	other	ADJ
cjfa-38808	28	10	things	thing	NOUN
cjfa-38808	28	11	on	on	ADP
cjfa-38808	28	12	the	the	DET
cjfa-38808	28	13	relationship	relationship	NOUN
cjfa-38808	28	14	between	between	ADP
cjfa-38808	28	15	the	the	DET
cjfa-38808	28	16	“	"	PUNCT
cjfa-38808	28	17	inputs	input	NOUN
cjfa-38808	28	18	”	"	PUNCT
cjfa-38808	28	19	and	and	CCONJ
cjfa-38808	28	20	“	"	PUNCT
cjfa-38808	28	21	outputs	output	NOUN
cjfa-38808	28	22	”	"	PUNCT
cjfa-38808	28	23	of	of	ADP
cjfa-38808	28	24	banks	bank	NOUN
cjfa-38808	28	25	,	,	PUNCT
cjfa-38808	28	26	has	have	AUX
cjfa-38808	28	27	been	be	AUX
cjfa-38808	28	28	the	the	DET
cjfa-38808	28	29	subject	subject	NOUN
cjfa-38808	28	30	of	of	ADP
cjfa-38808	28	31	several	several	ADJ
cjfa-38808	28	32	previous	previous	ADJ
cjfa-38808	28	33	studies	study	NOUN
cjfa-38808	28	34	.	.	PUNCT
cjfa-38808	29	1	an	an	DET
cjfa-38808	29	2	established	establish	VERB
cjfa-38808	29	3	production	production	NOUN
cjfa-38808	29	4	function	function	NOUN
cjfa-38808	29	5	,	,	PUNCT
cjfa-38808	29	6	in	in	ADP
cjfa-38808	29	7	its	its	PRON
cjfa-38808	29	8	most	most	ADV
cjfa-38808	29	9	general	general	ADJ
cjfa-38808	29	10	form	form	NOUN
cjfa-38808	29	11	,	,	PUNCT
cjfa-38808	29	12	is	be	AUX
cjfa-38808	29	13	a	a	DET
cjfa-38808	29	14	relationship	relationship	NOUN
cjfa-38808	29	15	between	between	ADP
cjfa-38808	29	16	“	"	PUNCT
cjfa-38808	29	17	inputs	input	NOUN
cjfa-38808	29	18	”	"	PUNCT
cjfa-38808	29	19	and	and	CCONJ
cjfa-38808	29	20	“	"	PUNCT
cjfa-38808	29	21	outputs	output	NOUN
cjfa-38808	29	22	”	"	PUNCT
cjfa-38808	29	23	.	.	PUNCT
cjfa-38808	30	1	an	an	DET
cjfa-38808	30	2	output	output	NOUN
cjfa-38808	30	3	unit	unit	NOUN
cjfa-38808	30	4	is	be	AUX
cjfa-38808	30	5	said	say	VERB
cjfa-38808	30	6	to	to	PART
cjfa-38808	30	7	be	be	AUX
cjfa-38808	30	8	efficient	efficient	ADJ
cjfa-38808	30	9	if	if	SCONJ
cjfa-38808	30	10	,	,	PUNCT
cjfa-38808	30	11	from	from	ADP
cjfa-38808	30	12	a	a	DET
cjfa-38808	30	13	basket	basket	NOUN
cjfa-38808	30	14	of	of	ADP
cjfa-38808	30	15	inputs	input	NOUN
cjfa-38808	30	16	that	that	PRON
cjfa-38808	30	17	it	it	PRON
cjfa-38808	30	18	owns	own	VERB
cjfa-38808	30	19	or	or	CCONJ
cjfa-38808	30	20	uses	use	NOUN
cjfa-38808	30	21	,	,	PUNCT
cjfa-38808	30	22	it	it	PRON
cjfa-38808	30	23	produces	produce	VERB
cjfa-38808	30	24	the	the	DET
cjfa-38808	30	25	maximum	maximum	ADJ
cjfa-38808	30	26	possible	possible	ADJ
cjfa-38808	30	27	output	output	NOUN
cjfa-38808	30	28	or	or	CCONJ
cjfa-38808	30	29	if	if	SCONJ
cjfa-38808	30	30	,	,	PUNCT
cjfa-38808	30	31	to	to	PART
cjfa-38808	30	32	produce	produce	VERB
cjfa-38808	30	33	a	a	DET
cjfa-38808	30	34	given	give	VERB
cjfa-38808	30	35	quantity	quantity	NOUN
cjfa-38808	30	36	of	of	ADP
cjfa-38808	30	37	output	output	NOUN
cjfa-38808	30	38	,	,	PUNCT
cjfa-38808	30	39	it	it	PRON
cjfa-38808	30	40	uses	use	VERB
cjfa-38808	30	41	the	the	DET
cjfa-38808	30	42	smallest	small	ADJ
cjfa-38808	30	43	possible	possible	ADJ
cjfa-38808	30	44	quantities	quantity	NOUN
cjfa-38808	30	45	of	of	ADP
cjfa-38808	30	46	inputs	input	NOUN
cjfa-38808	30	47	(	(	PUNCT
cjfa-38808	30	48	isnurhadi	isnurhadi	NOUN
cjfa-38808	30	49	et	et	PROPN
cjfa-38808	30	50	al	al	PROPN
cjfa-38808	30	51	.	.	PROPN
cjfa-38808	30	52	,	,	PUNCT
cjfa-38808	30	53	2021	2021	NUM
cjfa-38808	30	54	;	;	PUNCT
cjfa-38808	30	55	octrina	octrina	PROPN
cjfa-38808	30	56	&	&	CCONJ
cjfa-38808	30	57	mariam	mariam	PROPN
cjfa-38808	30	58	,	,	PUNCT
cjfa-38808	30	59	2021	2021	NUM
cjfa-38808	30	60	)	)	PUNCT
cjfa-38808	30	61	.	.	PUNCT
cjfa-38808	31	1	banking	banking	NOUN
cjfa-38808	31	2	efficiency	efficiency	NOUN
cjfa-38808	31	3	:	:	PUNCT
cjfa-38808	31	4	a	a	DET
cjfa-38808	31	5	comparative	comparative	ADJ
cjfa-38808	31	6	study	study	NOUN
cjfa-38808	31	7	…	…	PUNCT
cjfa-38808	31	8	91	91	NUM
cjfa-38808	31	9	banking	banking	NOUN
cjfa-38808	31	10	efficiency	efficiency	NOUN
cjfa-38808	31	11	is	be	AUX
cjfa-38808	31	12	a	a	DET
cjfa-38808	31	13	performance	performance	NOUN
cjfa-38808	31	14	measure	measure	NOUN
cjfa-38808	31	15	that	that	PRON
cjfa-38808	31	16	represents	represent	VERB
cjfa-38808	31	17	the	the	DET
cjfa-38808	31	18	ability	ability	NOUN
cjfa-38808	31	19	of	of	ADP
cjfa-38808	31	20	banks	bank	NOUN
cjfa-38808	31	21	to	to	PART
cjfa-38808	31	22	manage	manage	VERB
cjfa-38808	31	23	their	their	PRON
cjfa-38808	31	24	inputs	input	NOUN
cjfa-38808	31	25	to	to	PART
cjfa-38808	31	26	achieve	achieve	VERB
cjfa-38808	31	27	optimal	optimal	ADJ
cjfa-38808	31	28	results	result	NOUN
cjfa-38808	31	29	.	.	PUNCT
cjfa-38808	32	1	it	it	PRON
cjfa-38808	32	2	corresponds	correspond	VERB
cjfa-38808	32	3	,	,	PUNCT
cjfa-38808	32	4	therefore	therefore	ADV
cjfa-38808	32	5	,	,	PUNCT
cjfa-38808	32	6	to	to	ADP
cjfa-38808	32	7	an	an	DET
cjfa-38808	32	8	optimal	optimal	ADJ
cjfa-38808	32	9	allocation	allocation	NOUN
cjfa-38808	32	10	of	of	ADP
cjfa-38808	32	11	resources	resource	NOUN
cjfa-38808	32	12	to	to	PART
cjfa-38808	32	13	achieve	achieve	VERB
cjfa-38808	32	14	pre	pre	ADJ
cjfa-38808	32	15	-	-	ADJ
cjfa-38808	32	16	determined	determined	ADJ
cjfa-38808	32	17	goals	goal	NOUN
cjfa-38808	32	18	.	.	PUNCT
cjfa-38808	33	1	regarding	regard	VERB
cjfa-38808	33	2	the	the	DET
cjfa-38808	33	3	efficiency	efficiency	NOUN
cjfa-38808	33	4	of	of	ADP
cjfa-38808	33	5	islamic	islamic	ADJ
cjfa-38808	33	6	banks	bank	NOUN
cjfa-38808	33	7	,	,	PUNCT
cjfa-38808	33	8	ebrahim	ebrahim	PROPN
cjfa-38808	33	9	and	and	CCONJ
cjfa-38808	33	10	joo	joo	PROPN
cjfa-38808	33	11	(	(	PUNCT
cjfa-38808	33	12	2001	2001	NUM
cjfa-38808	33	13	)	)	PUNCT
cjfa-38808	33	14	assumed	assume	VERB
cjfa-38808	33	15	that	that	SCONJ
cjfa-38808	33	16	an	an	DET
cjfa-38808	33	17	islamic	islamic	ADJ
cjfa-38808	33	18	financial	financial	ADJ
cjfa-38808	33	19	system	system	NOUN
cjfa-38808	33	20	can	can	AUX
cjfa-38808	33	21	be	be	AUX
cjfa-38808	33	22	efficient	efficient	ADJ
cjfa-38808	33	23	if	if	SCONJ
cjfa-38808	33	24	it	it	PRON
cjfa-38808	33	25	can	can	AUX
cjfa-38808	33	26	allocate	allocate	VERB
cjfa-38808	33	27	limited	limited	ADJ
cjfa-38808	33	28	capital	capital	NOUN
cjfa-38808	33	29	resources	resource	NOUN
cjfa-38808	33	30	to	to	ADP
cjfa-38808	33	31	the	the	DET
cjfa-38808	33	32	most	most	ADV
cjfa-38808	33	33	profitable	profitable	ADJ
cjfa-38808	33	34	projects	project	NOUN
cjfa-38808	33	35	and	and	CCONJ
cjfa-38808	33	36	contribute	contribute	VERB
cjfa-38808	33	37	to	to	ADP
cjfa-38808	33	38	wealth	wealth	NOUN
cjfa-38808	33	39	creation	creation	NOUN
cjfa-38808	33	40	.	.	PUNCT
cjfa-38808	34	1	several	several	ADJ
cjfa-38808	34	2	studies	study	NOUN
cjfa-38808	34	3	dealt	deal	VERB
cjfa-38808	34	4	with	with	ADP
cjfa-38808	34	5	the	the	DET
cjfa-38808	34	6	efficiency	efficiency	NOUN
cjfa-38808	34	7	of	of	ADP
cjfa-38808	34	8	islamic	islamic	ADJ
cjfa-38808	34	9	banks	bank	NOUN
cjfa-38808	34	10	(	(	PUNCT
cjfa-38808	34	11	darrat	darrat	NOUN
cjfa-38808	34	12	,	,	PUNCT
cjfa-38808	34	13	topuz	topuz	PROPN
cjfa-38808	34	14	&	&	CCONJ
cjfa-38808	34	15	yousef	yousef	PROPN
cjfa-38808	34	16	,	,	PUNCT
cjfa-38808	34	17	2002	2002	NUM
cjfa-38808	34	18	;	;	PUNCT
cjfa-38808	34	19	hassan	hassan	PROPN
cjfa-38808	34	20	,	,	PUNCT
cjfa-38808	34	21	2006	2006	NUM
cjfa-38808	34	22	;	;	PUNCT
cjfa-38808	34	23	yusuf	yusuf	PROPN
cjfa-38808	34	24	et	et	PROPN
cjfa-38808	34	25	al	al	PROPN
cjfa-38808	34	26	.	.	PROPN
cjfa-38808	34	27	,	,	PUNCT
cjfa-38808	34	28	2021	2021	NUM
cjfa-38808	34	29	)	)	PUNCT
cjfa-38808	34	30	.	.	PUNCT
cjfa-38808	35	1	other	other	ADJ
cjfa-38808	35	2	studies	study	NOUN
cjfa-38808	35	3	compared	compare	VERB
cjfa-38808	35	4	the	the	DET
cjfa-38808	35	5	efficiency	efficiency	NOUN
cjfa-38808	35	6	between	between	ADP
cjfa-38808	35	7	islamic	islamic	ADJ
cjfa-38808	35	8	and	and	CCONJ
cjfa-38808	35	9	conventional	conventional	ADJ
cjfa-38808	35	10	banks	bank	NOUN
cjfa-38808	35	11	(	(	PUNCT
cjfa-38808	35	12	bader	bader	PROPN
cjfa-38808	35	13	,	,	PUNCT
cjfa-38808	35	14	mohamad	mohamad	PROPN
cjfa-38808	35	15	,	,	PUNCT
cjfa-38808	35	16	ariff	ariff	PROPN
cjfa-38808	35	17	&	&	CCONJ
cjfa-38808	35	18	shah	shah	PROPN
cjfa-38808	35	19	,	,	PUNCT
cjfa-38808	35	20	2008	2008	NUM
cjfa-38808	35	21	;	;	PUNCT
cjfa-38808	35	22	sakti	sakti	PROPN
cjfa-38808	35	23	&	&	CCONJ
cjfa-38808	35	24	mohamad	mohamad	PROPN
cjfa-38808	35	25	,	,	PUNCT
cjfa-38808	35	26	2018	2018	NUM
cjfa-38808	35	27	;	;	PUNCT
cjfa-38808	35	28	asmild	asmild	PROPN
cjfa-38808	35	29	et	et	PROPN
cjfa-38808	35	30	al	al	PROPN
cjfa-38808	35	31	.	.	PROPN
cjfa-38808	35	32	,	,	PUNCT
cjfa-38808	35	33	2019	2019	NUM
cjfa-38808	35	34	;	;	PUNCT
cjfa-38808	35	35	izzeldin	izzeldin	VERB
cjfa-38808	35	36	et	et	PROPN
cjfa-38808	35	37	al	al	PROPN
cjfa-38808	35	38	.	.	PROPN
cjfa-38808	35	39	,	,	PUNCT
cjfa-38808	35	40	2021	2021	NUM
cjfa-38808	35	41	)	)	PUNCT
cjfa-38808	35	42	.	.	PUNCT
cjfa-38808	36	1	according	accord	VERB
cjfa-38808	36	2	to	to	ADP
cjfa-38808	36	3	several	several	ADJ
cjfa-38808	36	4	previous	previous	ADJ
cjfa-38808	36	5	studies	study	NOUN
cjfa-38808	36	6	,	,	PUNCT
cjfa-38808	36	7	islamic	islamic	ADJ
cjfa-38808	36	8	banks	bank	NOUN
cjfa-38808	36	9	did	do	AUX
cjfa-38808	36	10	not	not	PART
cjfa-38808	36	11	benefit	benefit	VERB
cjfa-38808	36	12	from	from	ADP
cjfa-38808	36	13	economies	economy	NOUN
cjfa-38808	36	14	of	of	ADP
cjfa-38808	36	15	scale	scale	NOUN
cjfa-38808	36	16	due	due	ADP
cjfa-38808	36	17	to	to	ADP
cjfa-38808	36	18	the	the	DET
cjfa-38808	36	19	small	small	ADJ
cjfa-38808	36	20	size	size	NOUN
cjfa-38808	36	21	of	of	ADP
cjfa-38808	36	22	their	their	PRON
cjfa-38808	36	23	assets	asset	NOUN
cjfa-38808	36	24	compared	compare	VERB
cjfa-38808	36	25	to	to	ADP
cjfa-38808	36	26	those	those	PRON
cjfa-38808	36	27	of	of	ADP
cjfa-38808	36	28	conventional	conventional	ADJ
cjfa-38808	36	29	banks	bank	NOUN
cjfa-38808	36	30	and	and	CCONJ
cjfa-38808	36	31	are	be	AUX
cjfa-38808	36	32	therefore	therefore	ADV
cjfa-38808	36	33	not	not	PART
cjfa-38808	36	34	yet	yet	ADV
cjfa-38808	36	35	ready	ready	ADJ
cjfa-38808	36	36	to	to	PART
cjfa-38808	36	37	compete	compete	VERB
cjfa-38808	36	38	with	with	ADP
cjfa-38808	36	39	them	they	PRON
cjfa-38808	36	40	;	;	PUNCT
cjfa-38808	36	41	islamic	islamic	ADJ
cjfa-38808	36	42	banks	bank	NOUN
cjfa-38808	36	43	are	be	AUX
cjfa-38808	36	44	still	still	ADV
cjfa-38808	36	45	young	young	ADJ
cjfa-38808	36	46	,	,	PUNCT
cjfa-38808	36	47	do	do	AUX
cjfa-38808	36	48	not	not	PART
cjfa-38808	36	49	have	have	VERB
cjfa-38808	36	50	enough	enough	ADJ
cjfa-38808	36	51	customers	customer	NOUN
cjfa-38808	36	52	to	to	PART
cjfa-38808	36	53	achieve	achieve	VERB
cjfa-38808	36	54	economies	economy	NOUN
cjfa-38808	36	55	of	of	ADP
cjfa-38808	36	56	scale	scale	NOUN
cjfa-38808	36	57	,	,	PUNCT
cjfa-38808	36	58	and	and	CCONJ
cjfa-38808	36	59	therefore	therefore	ADV
cjfa-38808	36	60	,	,	PUNCT
cjfa-38808	36	61	are	be	AUX
cjfa-38808	36	62	less	less	ADV
cjfa-38808	36	63	efficient	efficient	ADJ
cjfa-38808	36	64	than	than	ADP
cjfa-38808	36	65	conventional	conventional	ADJ
cjfa-38808	36	66	banks	bank	NOUN
cjfa-38808	36	67	(	(	PUNCT
cjfa-38808	36	68	abdulmajid	abdulmajid	PROPN
cjfa-38808	36	69	,	,	PUNCT
cjfa-38808	36	70	falahaty	falahaty	PROPN
cjfa-38808	36	71	&	&	CCONJ
cjfa-38808	36	72	jusoh	jusoh	PROPN
cjfa-38808	36	73	,	,	PUNCT
cjfa-38808	36	74	2017	2017	NUM
cjfa-38808	36	75	;	;	PUNCT
cjfa-38808	36	76	haque	haque	PROPN
cjfa-38808	36	77	,	,	PUNCT
cjfa-38808	36	78	tausif	tausif	PROPN
cjfa-38808	36	79	&	&	CCONJ
cjfa-38808	36	80	ali	ali	PROPN
cjfa-38808	36	81	,	,	PUNCT
cjfa-38808	36	82	2020	2020	NUM
cjfa-38808	36	83	)	)	PUNCT
cjfa-38808	36	84	.	.	PUNCT
cjfa-38808	37	1	on	on	ADP
cjfa-38808	37	2	the	the	DET
cjfa-38808	37	3	other	other	ADJ
cjfa-38808	37	4	hand	hand	NOUN
cjfa-38808	37	5	,	,	PUNCT
cjfa-38808	37	6	sakti	sakti	PROPN
cjfa-38808	37	7	and	and	CCONJ
cjfa-38808	37	8	mohamad	mohamad	PROPN
cjfa-38808	37	9	(	(	PUNCT
cjfa-38808	37	10	2018	2018	NUM
cjfa-38808	37	11	)	)	PUNCT
cjfa-38808	37	12	,	,	PUNCT
cjfa-38808	37	13	shawtari	shawtari	NOUN
cjfa-38808	37	14	,	,	PUNCT
cjfa-38808	37	15	salem	salem	NOUN
cjfa-38808	37	16	and	and	CCONJ
cjfa-38808	37	17	bakhit	bakhit	NOUN
cjfa-38808	37	18	(	(	PUNCT
cjfa-38808	37	19	2018	2018	NUM
cjfa-38808	37	20	)	)	PUNCT
cjfa-38808	37	21	,	,	PUNCT
cjfa-38808	37	22	asmild	asmild	PROPN
cjfa-38808	37	23	et	et	PROPN
cjfa-38808	37	24	al	al	PROPN
cjfa-38808	37	25	.	.	PROPN
cjfa-38808	38	1	(	(	PUNCT
cjfa-38808	38	2	2019	2019	NUM
cjfa-38808	38	3	)	)	PUNCT
cjfa-38808	38	4	considered	consider	VERB
cjfa-38808	38	5	that	that	SCONJ
cjfa-38808	38	6	the	the	DET
cjfa-38808	38	7	costs	cost	NOUN
cjfa-38808	38	8	of	of	ADP
cjfa-38808	38	9	credit	credit	NOUN
cjfa-38808	38	10	monitoring	monitoring	NOUN
cjfa-38808	38	11	and	and	CCONJ
cjfa-38808	38	12	control	control	NOUN
cjfa-38808	38	13	of	of	ADP
cjfa-38808	38	14	islamic	islamic	ADJ
cjfa-38808	38	15	banks	bank	NOUN
cjfa-38808	38	16	are	be	AUX
cjfa-38808	38	17	lower	low	ADJ
cjfa-38808	38	18	than	than	ADP
cjfa-38808	38	19	those	those	PRON
cjfa-38808	38	20	of	of	ADP
cjfa-38808	38	21	conventional	conventional	ADJ
cjfa-38808	38	22	banks	bank	NOUN
cjfa-38808	38	23	due	due	ADP
cjfa-38808	38	24	to	to	ADP
cjfa-38808	38	25	the	the	DET
cjfa-38808	38	26	absence	absence	NOUN
cjfa-38808	38	27	of	of	ADP
cjfa-38808	38	28	agency	agency	NOUN
cjfa-38808	38	29	problems	problem	NOUN
cjfa-38808	38	30	related	relate	VERB
cjfa-38808	38	31	to	to	ADP
cjfa-38808	38	32	sharia	sharia	PROPN
cjfa-38808	38	33	compliance	compliance	NOUN
cjfa-38808	38	34	;	;	PUNCT
cjfa-38808	38	35	islamic	islamic	ADJ
cjfa-38808	38	36	banks	bank	NOUN
cjfa-38808	38	37	therefore	therefore	ADV
cjfa-38808	38	38	assume	assume	VERB
cjfa-38808	38	39	lower	low	ADJ
cjfa-38808	38	40	costs	cost	NOUN
cjfa-38808	38	41	and	and	CCONJ
cjfa-38808	38	42	are	be	AUX
cjfa-38808	38	43	therefore	therefore	ADV
cjfa-38808	38	44	more	more	ADV
cjfa-38808	38	45	efficient	efficient	ADJ
cjfa-38808	38	46	than	than	ADP
cjfa-38808	38	47	conventional	conventional	ADJ
cjfa-38808	38	48	banks	bank	NOUN
cjfa-38808	38	49	.	.	PUNCT
cjfa-38808	39	1	in	in	ADP
cjfa-38808	39	2	addition	addition	NOUN
cjfa-38808	39	3	,	,	PUNCT
cjfa-38808	39	4	it	it	PRON
cjfa-38808	39	5	turns	turn	VERB
cjfa-38808	39	6	out	out	ADP
cjfa-38808	39	7	that	that	SCONJ
cjfa-38808	39	8	the	the	DET
cjfa-38808	39	9	islamic	islamic	ADJ
cjfa-38808	39	10	financial	financial	ADJ
cjfa-38808	39	11	system	system	NOUN
cjfa-38808	39	12	is	be	AUX
cjfa-38808	39	13	less	less	ADV
cjfa-38808	39	14	affected	affect	VERB
cjfa-38808	39	15	by	by	ADP
cjfa-38808	39	16	the	the	DET
cjfa-38808	39	17	financial	financial	ADJ
cjfa-38808	39	18	crisis	crisis	NOUN
cjfa-38808	39	19	.	.	PUNCT
cjfa-38808	40	1	some	some	DET
cjfa-38808	40	2	recent	recent	ADJ
cjfa-38808	40	3	studies	study	NOUN
cjfa-38808	40	4	(	(	PUNCT
cjfa-38808	40	5	yusuf	yusuf	PROPN
cjfa-38808	40	6	et	et	PROPN
cjfa-38808	40	7	al	al	PROPN
cjfa-38808	40	8	.	.	PROPN
cjfa-38808	40	9	,	,	PUNCT
cjfa-38808	40	10	2021	2021	NUM
cjfa-38808	40	11	)	)	PUNCT
cjfa-38808	40	12	assumed	assume	VERB
cjfa-38808	40	13	that	that	SCONJ
cjfa-38808	40	14	despite	despite	SCONJ
cjfa-38808	40	15	the	the	DET
cjfa-38808	40	16	operations	operation	NOUN
cjfa-38808	40	17	of	of	ADP
cjfa-38808	40	18	islamic	islamic	ADJ
cjfa-38808	40	19	banks	bank	NOUN
cjfa-38808	40	20	are	be	AUX
cjfa-38808	40	21	constrained	constrain	VERB
cjfa-38808	40	22	by	by	ADP
cjfa-38808	40	23	islamic	islamic	ADJ
cjfa-38808	40	24	principles	principle	NOUN
cjfa-38808	40	25	,	,	PUNCT
cjfa-38808	40	26	the	the	DET
cjfa-38808	40	27	efficiency	efficiency	NOUN
cjfa-38808	40	28	of	of	ADP
cjfa-38808	40	29	these	these	DET
cjfa-38808	40	30	banks	bank	NOUN
cjfa-38808	40	31	is	be	AUX
cjfa-38808	40	32	not	not	PART
cjfa-38808	40	33	different	different	ADJ
cjfa-38808	40	34	from	from	ADP
cjfa-38808	40	35	that	that	PRON
cjfa-38808	40	36	of	of	ADP
cjfa-38808	40	37	conventional	conventional	ADJ
cjfa-38808	40	38	banks	bank	NOUN
cjfa-38808	40	39	.	.	PUNCT
cjfa-38808	41	1	the	the	DET
cjfa-38808	41	2	conclusion	conclusion	NOUN
cjfa-38808	41	3	of	of	ADP
cjfa-38808	41	4	these	these	DET
cjfa-38808	41	5	studies	study	NOUN
cjfa-38808	41	6	,	,	PUNCT
cjfa-38808	41	7	however	however	ADV
cjfa-38808	41	8	,	,	PUNCT
cjfa-38808	41	9	varies	vary	VERB
cjfa-38808	41	10	.	.	PUNCT
cjfa-38808	42	1	besides	besides	SCONJ
cjfa-38808	42	2	contradictory	contradictory	ADJ
cjfa-38808	42	3	evidence	evidence	NOUN
cjfa-38808	42	4	,	,	PUNCT
cjfa-38808	42	5	most	most	ADJ
cjfa-38808	42	6	of	of	ADP
cjfa-38808	42	7	these	these	DET
cjfa-38808	42	8	studies	study	NOUN
cjfa-38808	42	9	have	have	AUX
cjfa-38808	42	10	focused	focus	VERB
cjfa-38808	42	11	on	on	ADP
cjfa-38808	42	12	international	international	ADJ
cjfa-38808	42	13	samples	sample	NOUN
cjfa-38808	42	14	.	.	PUNCT
cjfa-38808	43	1	however	however	ADV
cjfa-38808	43	2	,	,	PUNCT
cjfa-38808	43	3	a	a	DET
cjfa-38808	43	4	targeted	target	VERB
cjfa-38808	43	5	analysis	analysis	NOUN
cjfa-38808	43	6	of	of	ADP
cjfa-38808	43	7	banks	bank	NOUN
cjfa-38808	43	8	in	in	ADP
cjfa-38808	43	9	gcc	gcc	NOUN
cjfa-38808	43	10	countries	country	NOUN
cjfa-38808	43	11	is	be	AUX
cjfa-38808	43	12	apparently	apparently	ADV
cjfa-38808	43	13	absent	absent	ADJ
cjfa-38808	43	14	except	except	SCONJ
cjfa-38808	43	15	for	for	ADP
cjfa-38808	43	16	a	a	DET
cjfa-38808	43	17	few	few	ADJ
cjfa-38808	43	18	studies	study	NOUN
cjfa-38808	43	19	.	.	PUNCT
cjfa-38808	44	1	this	this	DET
cjfa-38808	44	2	current	current	ADJ
cjfa-38808	44	3	study	study	NOUN
cjfa-38808	44	4	contributes	contribute	VERB
cjfa-38808	44	5	to	to	ADP
cjfa-38808	44	6	the	the	DET
cjfa-38808	44	7	range	range	NOUN
cjfa-38808	44	8	of	of	ADP
cjfa-38808	44	9	previous	previous	ADJ
cjfa-38808	44	10	studies	study	NOUN
cjfa-38808	44	11	first	first	ADV
cjfa-38808	44	12	by	by	ADP
cjfa-38808	44	13	being	be	AUX
cjfa-38808	44	14	conducted	conduct	VERB
cjfa-38808	44	15	in	in	ADP
cjfa-38808	44	16	many	many	ADJ
cjfa-38808	44	17	samples	sample	NOUN
cjfa-38808	44	18	from	from	ADP
cjfa-38808	44	19	the	the	DET
cjfa-38808	44	20	gcc	gcc	NOUN
cjfa-38808	44	21	region	region	NOUN
cjfa-38808	44	22	during	during	ADP
cjfa-38808	44	23	the	the	DET
cjfa-38808	44	24	financial	financial	ADJ
cjfa-38808	44	25	crisis	crisis	NOUN
cjfa-38808	44	26	to	to	PART
cjfa-38808	44	27	study	study	VERB
cjfa-38808	44	28	the	the	DET
cjfa-38808	44	29	effect	effect	NOUN
cjfa-38808	44	30	of	of	ADP
cjfa-38808	44	31	the	the	DET
cjfa-38808	44	32	crisis	crisis	NOUN
cjfa-38808	44	33	on	on	ADP
cjfa-38808	44	34	banks	bank	NOUN
cjfa-38808	44	35	’	'	PUNCT
cjfa-38808	44	36	efficiency	efficiency	NOUN
cjfa-38808	44	37	.	.	PUNCT
cjfa-38808	45	1	second	second	ADV
cjfa-38808	45	2	,	,	PUNCT
cjfa-38808	45	3	it	it	PRON
cjfa-38808	45	4	uses	use	VERB
cjfa-38808	45	5	both	both	CCONJ
cjfa-38808	45	6	an	an	DET
cjfa-38808	45	7	accounting	accounting	NOUN
cjfa-38808	45	8	ratio	ratio	NOUN
cjfa-38808	45	9	and	and	CCONJ
cjfa-38808	45	10	a	a	DET
cjfa-38808	45	11	financial	financial	ADJ
cjfa-38808	45	12	technique	technique	NOUN
cjfa-38808	45	13	(	(	PUNCT
cjfa-38808	45	14	stochastic	stochastic	ADJ
cjfa-38808	45	15	frontier	frontier	NOUN
cjfa-38808	45	16	analysis	analysis	NOUN
cjfa-38808	45	17	)	)	PUNCT
cjfa-38808	45	18	to	to	PART
cjfa-38808	45	19	evaluate	evaluate	VERB
cjfa-38808	45	20	the	the	DET
cjfa-38808	45	21	effectiveness	effectiveness	NOUN
cjfa-38808	45	22	,	,	PUNCT
cjfa-38808	45	23	then	then	ADV
cjfa-38808	45	24	make	make	VERB
cjfa-38808	45	25	a	a	DET
cjfa-38808	45	26	comparison	comparison	NOUN
cjfa-38808	45	27	between	between	ADP
cjfa-38808	45	28	islamic	islamic	ADJ
cjfa-38808	45	29	banks	bank	NOUN
cjfa-38808	45	30	and	and	CCONJ
cjfa-38808	45	31	conventional	conventional	ADJ
cjfa-38808	45	32	considering	consider	VERB
cjfa-38808	45	33	the	the	DET
cjfa-38808	45	34	various	various	ADJ
cjfa-38808	45	35	determinants	determinant	NOUN
cjfa-38808	45	36	.	.	PUNCT
cjfa-38808	46	1	third	third	ADV
cjfa-38808	46	2	,	,	PUNCT
cjfa-38808	46	3	this	this	DET
cjfa-38808	46	4	research	research	NOUN
cjfa-38808	46	5	offers	offer	VERB
cjfa-38808	46	6	r.	r.	PROPN
cjfa-38808	46	7	b.	b.	PROPN
cjfa-38808	46	8	slimen	slimen	PROPN
cjfa-38808	46	9	,	,	PUNCT
cjfa-38808	46	10	f.	f.	PROPN
cjfa-38808	46	11	belhaj	belhaj	PROPN
cjfa-38808	46	12	,	,	PUNCT
cjfa-38808	46	13	m.	m.	NOUN
cjfa-38808	46	14	hadriche	hadriche	NOUN
cjfa-38808	46	15	,	,	PUNCT
cjfa-38808	46	16	m.	m.	NOUN
cjfa-38808	46	17	ghroubi92	ghroubi92	NOUN
cjfa-38808	46	18	policy	policy	NOUN
cjfa-38808	46	19	prescriptions	prescription	NOUN
cjfa-38808	46	20	and	and	CCONJ
cjfa-38808	46	21	recommendations	recommendation	NOUN
cjfa-38808	46	22	useful	useful	ADJ
cjfa-38808	46	23	for	for	ADP
cjfa-38808	46	24	bankers	banker	NOUN
cjfa-38808	46	25	,	,	PUNCT
cjfa-38808	46	26	investors	investor	NOUN
cjfa-38808	46	27	and	and	CCONJ
cjfa-38808	46	28	public	public	ADJ
cjfa-38808	46	29	authorities	authority	NOUN
cjfa-38808	46	30	.	.	PUNCT
cjfa-38808	47	1	the	the	DET
cjfa-38808	47	2	paper	paper	NOUN
cjfa-38808	47	3	is	be	AUX
cjfa-38808	47	4	structured	structure	VERB
cjfa-38808	47	5	as	as	SCONJ
cjfa-38808	47	6	follows	follow	VERB
cjfa-38808	47	7	:	:	PUNCT
cjfa-38808	47	8	section	section	NOUN
cjfa-38808	47	9	2	2	NUM
cjfa-38808	47	10	presents	present	VERB
cjfa-38808	47	11	the	the	DET
cjfa-38808	47	12	literature	literature	PROPN
cjfa-38808	47	13	review	review	PROPN
cjfa-38808	47	14	.	.	PUNCT
cjfa-38808	48	1	section	section	NOUN
cjfa-38808	48	2	3	3	NUM
cjfa-38808	48	3	describes	describe	VERB
cjfa-38808	48	4	the	the	DET
cjfa-38808	48	5	data	datum	NOUN
cjfa-38808	48	6	and	and	CCONJ
cjfa-38808	48	7	methodology	methodology	NOUN
cjfa-38808	48	8	.	.	PUNCT
cjfa-38808	49	1	finally	finally	ADV
cjfa-38808	49	2	,	,	PUNCT
cjfa-38808	49	3	section	section	NOUN
cjfa-38808	49	4	4	4	NUM
cjfa-38808	49	5	presents	present	VERB
cjfa-38808	49	6	the	the	DET
cjfa-38808	49	7	empirical	empirical	ADJ
cjfa-38808	49	8	results	result	NOUN
cjfa-38808	49	9	.	.	PUNCT
cjfa-38808	50	1	the	the	DET
cjfa-38808	50	2	research	research	NOUN
cjfa-38808	50	3	methodology	methodology	NOUN
cjfa-38808	50	4	and	and	CCONJ
cjfa-38808	50	5	the	the	DET
cjfa-38808	50	6	course	course	NOUN
cjfa-38808	50	7	of	of	ADP
cjfa-38808	50	8	the	the	DET
cjfa-38808	50	9	research	research	NOUN
cjfa-38808	50	10	process	process	NOUN
cjfa-38808	50	11	literature	literature	NOUN
cjfa-38808	50	12	review	review	VERB
cjfa-38808	50	13	several	several	ADJ
cjfa-38808	50	14	previous	previous	ADJ
cjfa-38808	50	15	studies	study	NOUN
cjfa-38808	50	16	analyzed	analyze	VERB
cjfa-38808	50	17	banking	banking	NOUN
cjfa-38808	50	18	efficiency	efficiency	NOUN
cjfa-38808	50	19	by	by	ADP
cjfa-38808	50	20	comparing	compare	VERB
cjfa-38808	50	21	the	the	DET
cjfa-38808	50	22	efficiency	efficiency	NOUN
cjfa-38808	50	23	between	between	ADP
cjfa-38808	50	24	islamic	islamic	ADJ
cjfa-38808	50	25	and	and	CCONJ
cjfa-38808	50	26	conventional	conventional	ADJ
cjfa-38808	50	27	banks	bank	NOUN
cjfa-38808	50	28	.	.	PUNCT
cjfa-38808	51	1	the	the	DET
cjfa-38808	51	2	difference	difference	NOUN
cjfa-38808	51	3	between	between	ADP
cjfa-38808	51	4	islamic	islamic	ADJ
cjfa-38808	51	5	and	and	CCONJ
cjfa-38808	51	6	conventional	conventional	ADJ
cjfa-38808	51	7	banks	bank	NOUN
cjfa-38808	51	8	in	in	ADP
cjfa-38808	51	9	terms	term	NOUN
cjfa-38808	51	10	of	of	ADP
cjfa-38808	51	11	efficiency	efficiency	NOUN
cjfa-38808	51	12	is	be	AUX
cjfa-38808	51	13	due	due	ADJ
cjfa-38808	51	14	to	to	ADP
cjfa-38808	51	15	the	the	DET
cjfa-38808	51	16	nature	nature	NOUN
cjfa-38808	51	17	of	of	ADP
cjfa-38808	51	18	their	their	PRON
cjfa-38808	51	19	business	business	NOUN
cjfa-38808	51	20	practices	practice	NOUN
cjfa-38808	51	21	.	.	PUNCT
cjfa-38808	52	1	in	in	ADP
cjfa-38808	52	2	islamic	islamic	ADJ
cjfa-38808	52	3	banks	bank	NOUN
cjfa-38808	52	4	,	,	PUNCT
cjfa-38808	52	5	it	it	PRON
cjfa-38808	52	6	is	be	AUX
cjfa-38808	52	7	forbidden	forbid	VERB
cjfa-38808	52	8	to	to	PART
cjfa-38808	52	9	collect	collect	VERB
cjfa-38808	52	10	or	or	CCONJ
cjfa-38808	52	11	pay	pay	VERB
cjfa-38808	52	12	interest	interest	NOUN
cjfa-38808	52	13	at	at	ADP
cjfa-38808	52	14	a	a	DET
cjfa-38808	52	15	predetermined	predetermine	VERB
cjfa-38808	52	16	rate	rate	NOUN
cjfa-38808	52	17	,	,	PUNCT
cjfa-38808	52	18	contrary	contrary	ADV
cjfa-38808	52	19	to	to	ADP
cjfa-38808	52	20	the	the	DET
cjfa-38808	52	21	business	business	NOUN
cjfa-38808	52	22	practices	practice	NOUN
cjfa-38808	52	23	of	of	ADP
cjfa-38808	52	24	conventional	conventional	ADJ
cjfa-38808	52	25	banks	bank	NOUN
cjfa-38808	52	26	.	.	PUNCT
cjfa-38808	53	1	in	in	ADP
cjfa-38808	53	2	addition	addition	NOUN
cjfa-38808	53	3	,	,	PUNCT
cjfa-38808	53	4	islamic	islamic	ADJ
cjfa-38808	53	5	banks	bank	NOUN
cjfa-38808	53	6	offer	offer	VERB
cjfa-38808	53	7	different	different	ADJ
cjfa-38808	53	8	financial	financial	ADJ
cjfa-38808	53	9	products	product	NOUN
cjfa-38808	53	10	based	base	VERB
cjfa-38808	53	11	on	on	ADP
cjfa-38808	53	12	sharia	sharia	PROPN
cjfa-38808	53	13	principles	principle	NOUN
cjfa-38808	53	14	which	which	PRON
cjfa-38808	53	15	are	be	AUX
cjfa-38808	53	16	characterized	characterize	VERB
cjfa-38808	53	17	by	by	ADP
cjfa-38808	53	18	profit	profit	NOUN
cjfa-38808	53	19	and	and	CCONJ
cjfa-38808	53	20	loss	loss	NOUN
cjfa-38808	53	21	sharing	sharing	NOUN
cjfa-38808	53	22	(	(	PUNCT
cjfa-38808	53	23	pls	pls	INTJ
cjfa-38808	53	24	)	)	PUNCT
cjfa-38808	53	25	based	base	VERB
cjfa-38808	53	26	on	on	ADP
cjfa-38808	53	27	financing	financing	NOUN
cjfa-38808	53	28	instead	instead	ADV
cjfa-38808	53	29	of	of	ADP
cjfa-38808	53	30	fixed	fix	VERB
cjfa-38808	53	31	rate	rate	NOUN
cjfa-38808	53	32	loans	loan	NOUN
cjfa-38808	53	33	.	.	PUNCT
cjfa-38808	54	1	jensen	jensen	PROPN
cjfa-38808	54	2	and	and	CCONJ
cjfa-38808	54	3	meckling	meckling	NOUN
cjfa-38808	54	4	(	(	PUNCT
cjfa-38808	54	5	1976	1976	NUM
cjfa-38808	54	6	)	)	PUNCT
cjfa-38808	54	7	postulate	postulate	VERB
cjfa-38808	54	8	that	that	SCONJ
cjfa-38808	54	9	organizational	organizational	ADJ
cjfa-38808	54	10	performance	performance	NOUN
cjfa-38808	54	11	is	be	AUX
cjfa-38808	54	12	influenced	influence	VERB
cjfa-38808	54	13	by	by	ADP
cjfa-38808	54	14	conflicts	conflict	NOUN
cjfa-38808	54	15	of	of	ADP
cjfa-38808	54	16	interest	interest	NOUN
cjfa-38808	54	17	between	between	ADP
cjfa-38808	54	18	principal	principal	NOUN
cjfa-38808	54	19	and	and	CCONJ
cjfa-38808	54	20	agent	agent	NOUN
cjfa-38808	54	21	.	.	PUNCT
cjfa-38808	55	1	in	in	ADP
cjfa-38808	55	2	this	this	DET
cjfa-38808	55	3	sense	sense	NOUN
cjfa-38808	55	4	,	,	PUNCT
cjfa-38808	55	5	information	information	NOUN
cjfa-38808	55	6	asymmetry	asymmetry	NOUN
cjfa-38808	55	7	and	and	CCONJ
cjfa-38808	55	8	agency	agency	NOUN
cjfa-38808	55	9	conflicts	conflict	NOUN
cjfa-38808	55	10	will	will	AUX
cjfa-38808	55	11	be	be	AUX
cjfa-38808	55	12	more	more	ADV
cjfa-38808	55	13	important	important	ADJ
cjfa-38808	55	14	in	in	ADP
cjfa-38808	55	15	conventional	conventional	ADJ
cjfa-38808	55	16	banks	bank	NOUN
cjfa-38808	55	17	than	than	ADP
cjfa-38808	55	18	in	in	ADP
cjfa-38808	55	19	islamic	islamic	ADJ
cjfa-38808	55	20	banks	bank	NOUN
cjfa-38808	55	21	.	.	PUNCT
cjfa-38808	56	1	consequently	consequently	ADV
cjfa-38808	56	2	,	,	PUNCT
cjfa-38808	56	3	and	and	CCONJ
cjfa-38808	56	4	with	with	ADP
cjfa-38808	56	5	the	the	DET
cjfa-38808	56	6	intervention	intervention	NOUN
cjfa-38808	56	7	of	of	ADP
cjfa-38808	56	8	the	the	DET
cjfa-38808	56	9	sharia	sharia	PROPN
cjfa-38808	56	10	advisory	advisory	PROPN
cjfa-38808	56	11	council	council	PROPN
cjfa-38808	56	12	islamic	islamic	PROPN
cjfa-38808	56	13	banking	banking	NOUN
cjfa-38808	56	14	operations	operation	NOUN
cjfa-38808	56	15	monitoring	monitoring	NOUN
cjfa-38808	56	16	committee	committee	NOUN
cjfa-38808	56	17	,	,	PUNCT
cjfa-38808	56	18	conflicts	conflict	NOUN
cjfa-38808	56	19	between	between	ADP
cjfa-38808	56	20	the	the	DET
cjfa-38808	56	21	principal	principal	NOUN
cjfa-38808	56	22	and	and	CCONJ
cjfa-38808	56	23	the	the	DET
cjfa-38808	56	24	agent	agent	NOUN
cjfa-38808	56	25	can	can	AUX
cjfa-38808	56	26	be	be	AUX
cjfa-38808	56	27	removed	remove	VERB
cjfa-38808	56	28	and	and	CCONJ
cjfa-38808	56	29	agency	agency	NOUN
cjfa-38808	56	30	costs	cost	NOUN
cjfa-38808	56	31	will	will	AUX
cjfa-38808	56	32	be	be	AUX
cjfa-38808	56	33	reduced	reduce	VERB
cjfa-38808	56	34	.	.	PUNCT
cjfa-38808	57	1	in	in	ADP
cjfa-38808	57	2	a	a	DET
cjfa-38808	57	3	different	different	ADJ
cjfa-38808	57	4	manner	manner	NOUN
cjfa-38808	57	5	,	,	PUNCT
cjfa-38808	57	6	the	the	DET
cjfa-38808	57	7	opposite	opposite	NOUN
cjfa-38808	57	8	can	can	AUX
cjfa-38808	57	9	happen	happen	VERB
cjfa-38808	57	10	since	since	SCONJ
cjfa-38808	57	11	the	the	DET
cjfa-38808	57	12	effect	effect	NOUN
cjfa-38808	57	13	of	of	ADP
cjfa-38808	57	14	the	the	DET
cjfa-38808	57	15	different	different	ADJ
cjfa-38808	57	16	determinants	determinant	NOUN
cjfa-38808	57	17	of	of	ADP
cjfa-38808	57	18	productivity	productivity	NOUN
cjfa-38808	57	19	is	be	AUX
cjfa-38808	57	20	significantly	significantly	ADV
cjfa-38808	57	21	different	different	ADJ
cjfa-38808	57	22	in	in	ADP
cjfa-38808	57	23	islamic	islamic	ADJ
cjfa-38808	57	24	banks	bank	NOUN
cjfa-38808	57	25	with	with	ADP
cjfa-38808	57	26	respect	respect	NOUN
cjfa-38808	57	27	to	to	ADP
cjfa-38808	57	28	conventional	conventional	ADJ
cjfa-38808	57	29	banks	bank	NOUN
cjfa-38808	57	30	such	such	ADJ
cjfa-38808	57	31	as	as	ADP
cjfa-38808	57	32	complexity	complexity	NOUN
cjfa-38808	57	33	,	,	PUNCT
cjfa-38808	57	34	level	level	NOUN
cjfa-38808	57	35	of	of	ADP
cjfa-38808	57	36	development	development	NOUN
cjfa-38808	57	37	.	.	PUNCT
cjfa-38808	58	1	in	in	ADP
cjfa-38808	58	2	the	the	DET
cjfa-38808	58	3	previous	previous	ADJ
cjfa-38808	58	4	financial	financial	ADJ
cjfa-38808	58	5	literature	literature	NOUN
cjfa-38808	58	6	,	,	PUNCT
cjfa-38808	58	7	there	there	PRON
cjfa-38808	58	8	was	be	VERB
cjfa-38808	58	9	not	not	PART
cjfa-38808	58	10	a	a	DET
cjfa-38808	58	11	general	general	ADJ
cjfa-38808	58	12	consensus	consensus	NOUN
cjfa-38808	58	13	between	between	ADP
cjfa-38808	58	14	studies	study	NOUN
cjfa-38808	58	15	dealing	deal	VERB
cjfa-38808	58	16	with	with	ADP
cjfa-38808	58	17	the	the	DET
cjfa-38808	58	18	efficiency	efficiency	NOUN
cjfa-38808	58	19	of	of	ADP
cjfa-38808	58	20	islamic	islamic	ADJ
cjfa-38808	58	21	banks	bank	NOUN
cjfa-38808	58	22	and	and	CCONJ
cjfa-38808	58	23	that	that	PRON
cjfa-38808	58	24	of	of	ADP
cjfa-38808	58	25	conventional	conventional	ADJ
cjfa-38808	58	26	banks	bank	NOUN
cjfa-38808	58	27	as	as	ADP
cjfa-38808	58	28	to	to	ADP
cjfa-38808	58	29	the	the	DET
cjfa-38808	58	30	superiority	superiority	NOUN
cjfa-38808	58	31	of	of	ADP
cjfa-38808	58	32	the	the	DET
cjfa-38808	58	33	efficiency	efficiency	NOUN
cjfa-38808	58	34	of	of	ADP
cjfa-38808	58	35	one	one	NUM
cjfa-38808	58	36	or	or	CCONJ
cjfa-38808	58	37	the	the	DET
cjfa-38808	58	38	other	other	ADJ
cjfa-38808	58	39	category	category	NOUN
cjfa-38808	58	40	of	of	ADP
cjfa-38808	58	41	banks	bank	NOUN
cjfa-38808	58	42	.	.	PUNCT
cjfa-38808	59	1	some	some	DET
cjfa-38808	59	2	studies	study	NOUN
cjfa-38808	59	3	show	show	VERB
cjfa-38808	59	4	that	that	SCONJ
cjfa-38808	59	5	islamic	islamic	ADJ
cjfa-38808	59	6	banks	bank	NOUN
cjfa-38808	59	7	are	be	AUX
cjfa-38808	59	8	more	more	ADV
cjfa-38808	59	9	efficient	efficient	ADJ
cjfa-38808	59	10	.	.	PUNCT
cjfa-38808	60	1	in	in	ADP
cjfa-38808	60	2	this	this	DET
cjfa-38808	60	3	context	context	NOUN
cjfa-38808	60	4	,	,	PUNCT
cjfa-38808	60	5	yudistira	yudistira	PROPN
cjfa-38808	60	6	(	(	PUNCT
cjfa-38808	60	7	2004	2004	NUM
cjfa-38808	60	8	)	)	PUNCT
cjfa-38808	60	9	found	find	VERB
cjfa-38808	60	10	that	that	SCONJ
cjfa-38808	60	11	,	,	PUNCT
cjfa-38808	60	12	in	in	ADP
cjfa-38808	60	13	most	most	ADJ
cjfa-38808	60	14	cases	case	NOUN
cjfa-38808	60	15	,	,	PUNCT
cjfa-38808	60	16	islamic	islamic	ADJ
cjfa-38808	60	17	banks	bank	NOUN
cjfa-38808	60	18	are	be	AUX
cjfa-38808	60	19	more	more	ADV
cjfa-38808	60	20	efficient	efficient	ADJ
cjfa-38808	60	21	than	than	ADP
cjfa-38808	60	22	conventional	conventional	ADJ
cjfa-38808	60	23	banks	bank	NOUN
cjfa-38808	60	24	,	,	PUNCT
cjfa-38808	60	25	and	and	CCONJ
cjfa-38808	60	26	that	that	SCONJ
cjfa-38808	60	27	small	small	ADJ
cjfa-38808	60	28	and	and	CCONJ
cjfa-38808	60	29	medium	medium	ADJ
cjfa-38808	60	30	-	-	PUNCT
cjfa-38808	60	31	sized	sized	ADJ
cjfa-38808	60	32	islamic	islamic	ADJ
cjfa-38808	60	33	banks	bank	NOUN
cjfa-38808	60	34	are	be	AUX
cjfa-38808	60	35	less	less	ADV
cjfa-38808	60	36	efficient	efficient	ADJ
cjfa-38808	60	37	than	than	ADP
cjfa-38808	60	38	large	large	ADJ
cjfa-38808	60	39	ones	one	NOUN
cjfa-38808	60	40	and	and	CCONJ
cjfa-38808	60	41	should	should	AUX
cjfa-38808	60	42	be	be	AUX
cjfa-38808	60	43	encouraged	encourage	VERB
cjfa-38808	60	44	to	to	PART
cjfa-38808	60	45	merge	merge	VERB
cjfa-38808	60	46	to	to	PART
cjfa-38808	60	47	take	take	VERB
cjfa-38808	60	48	advantage	advantage	NOUN
cjfa-38808	60	49	of	of	ADP
cjfa-38808	60	50	economies	economy	NOUN
cjfa-38808	60	51	of	of	ADP
cjfa-38808	60	52	scale	scale	NOUN
cjfa-38808	60	53	.	.	PUNCT
cjfa-38808	61	1	sufian	sufian	PROPN
cjfa-38808	61	2	,	,	PUNCT
cjfa-38808	61	3	mohamad	mohamad	PROPN
cjfa-38808	61	4	and	and	CCONJ
cjfa-38808	61	5	muhamed	muhamed	PROPN
cjfa-38808	61	6	-	-	PUNCT
cjfa-38808	61	7	zulkhi	zulkhi	PROPN
cjfa-38808	61	8	banking	banking	NOUN
cjfa-38808	61	9	efficiency	efficiency	NOUN
cjfa-38808	61	10	:	:	PUNCT
cjfa-38808	61	11	a	a	DET
cjfa-38808	61	12	comparative	comparative	ADJ
cjfa-38808	61	13	study	study	NOUN
cjfa-38808	61	14	…	…	PUNCT
cjfa-38808	61	15	93	93	NUM
cjfa-38808	61	16	bri	bri	NOUN
cjfa-38808	61	17	(	(	PUNCT
cjfa-38808	61	18	2008	2008	NUM
cjfa-38808	61	19	)	)	PUNCT
cjfa-38808	61	20	studied	study	VERB
cjfa-38808	61	21	the	the	DET
cjfa-38808	61	22	efficiency	efficiency	NOUN
cjfa-38808	61	23	of	of	ADP
cjfa-38808	61	24	18	18	NUM
cjfa-38808	61	25	banks	bank	NOUN
cjfa-38808	61	26	in	in	ADP
cjfa-38808	61	27	mena	mena	PROPN
cjfa-38808	61	28	and	and	CCONJ
cjfa-38808	61	29	asia	asia	PROPN
cjfa-38808	61	30	for	for	ADP
cjfa-38808	61	31	2001–2006	2001–2006	NUM
cjfa-38808	61	32	using	use	VERB
cjfa-38808	61	33	the	the	DET
cjfa-38808	61	34	dea	dea	PROPN
cjfa-38808	61	35	method	method	NOUN
cjfa-38808	61	36	,	,	PUNCT
cjfa-38808	61	37	they	they	PRON
cjfa-38808	61	38	found	find	VERB
cjfa-38808	61	39	that	that	SCONJ
cjfa-38808	61	40	islamic	islamic	ADJ
cjfa-38808	61	41	banks	bank	NOUN
cjfa-38808	61	42	in	in	ADP
cjfa-38808	61	43	the	the	DET
cjfa-38808	61	44	mena	mena	PROPN
cjfa-38808	61	45	region	region	PROPN
cjfa-38808	61	46	are	be	AUX
cjfa-38808	61	47	more	more	ADV
cjfa-38808	61	48	efficient	efficient	ADJ
cjfa-38808	61	49	than	than	ADP
cjfa-38808	61	50	islamic	islamic	ADJ
cjfa-38808	61	51	banks	bank	NOUN
cjfa-38808	61	52	in	in	ADP
cjfa-38808	61	53	asian	asian	ADJ
cjfa-38808	61	54	countries	country	NOUN
cjfa-38808	61	55	.	.	PUNCT
cjfa-38808	62	1	arslan	arslan	PROPN
cjfa-38808	62	2	and	and	CCONJ
cjfa-38808	62	3	ergec	ergec	PROPN
cjfa-38808	62	4	(	(	PUNCT
cjfa-38808	62	5	2010	2010	NUM
cjfa-38808	62	6	)	)	PUNCT
cjfa-38808	62	7	studied	study	VERB
cjfa-38808	62	8	the	the	DET
cjfa-38808	62	9	efficiency	efficiency	NOUN
cjfa-38808	62	10	of	of	ADP
cjfa-38808	62	11	26	26	NUM
cjfa-38808	62	12	conventional	conventional	ADJ
cjfa-38808	62	13	banks	bank	NOUN
cjfa-38808	62	14	and4	and4	PROPN
cjfa-38808	62	15	islamic	islamic	PROPN
cjfa-38808	62	16	banks	bank	NOUN
cjfa-38808	62	17	in	in	ADP
cjfa-38808	62	18	turkey	turkey	NOUN
cjfa-38808	62	19	over	over	ADP
cjfa-38808	62	20	the	the	DET
cjfa-38808	62	21	period	period	NOUN
cjfa-38808	62	22	2006–2009	2006–2009	NUM
cjfa-38808	62	23	using	use	VERB
cjfa-38808	62	24	the	the	DET
cjfa-38808	62	25	dea	dea	NOUN
cjfa-38808	62	26	method	method	NOUN
cjfa-38808	62	27	and	and	CCONJ
cjfa-38808	62	28	found	find	VERB
cjfa-38808	62	29	that	that	SCONJ
cjfa-38808	62	30	islamic	islamic	ADJ
cjfa-38808	62	31	banks	bank	NOUN
cjfa-38808	62	32	are	be	AUX
cjfa-38808	62	33	more	more	ADV
cjfa-38808	62	34	efficient	efficient	ADJ
cjfa-38808	62	35	.	.	PUNCT
cjfa-38808	63	1	abdul	abdul	PROPN
cjfa-38808	63	2	-	-	PUNCT
cjfa-38808	63	3	majid	majid	PROPN
cjfa-38808	63	4	,	,	PUNCT
cjfa-38808	63	5	saal	saal	PROPN
cjfa-38808	63	6	and	and	CCONJ
cjfa-38808	63	7	battisti	battisti	PROPN
cjfa-38808	63	8	(	(	PUNCT
cjfa-38808	63	9	2010	2010	NUM
cjfa-38808	63	10	)	)	PUNCT
cjfa-38808	63	11	found	find	VERB
cjfa-38808	63	12	that	that	SCONJ
cjfa-38808	63	13	islamic	islamic	ADJ
cjfa-38808	63	14	banks	bank	NOUN
cjfa-38808	63	15	are	be	AUX
cjfa-38808	63	16	relatively	relatively	ADV
cjfa-38808	63	17	more	more	ADV
cjfa-38808	63	18	efficient	efficient	ADJ
cjfa-38808	63	19	than	than	ADP
cjfa-38808	63	20	conventional	conventional	ADJ
cjfa-38808	63	21	banks	bank	NOUN
cjfa-38808	63	22	in	in	ADP
cjfa-38808	63	23	terms	term	NOUN
cjfa-38808	63	24	of	of	ADP
cjfa-38808	63	25	cost	cost	NOUN
cjfa-38808	63	26	control	control	NOUN
cjfa-38808	63	27	rather	rather	ADV
cjfa-38808	63	28	than	than	ADP
cjfa-38808	63	29	profit	profit	NOUN
cjfa-38808	63	30	realization	realization	NOUN
cjfa-38808	63	31	.	.	PUNCT
cjfa-38808	64	1	shawtari	shawtari	PROPN
cjfa-38808	64	2	,	,	PUNCT
cjfa-38808	64	3	saiti	saiti	PROPN
cjfa-38808	64	4	,	,	PUNCT
cjfa-38808	64	5	razak	razak	NOUN
cjfa-38808	64	6	and	and	CCONJ
cjfa-38808	64	7	ariff	ariff	NOUN
cjfa-38808	64	8	(	(	PUNCT
cjfa-38808	64	9	2015	2015	NUM
cjfa-38808	64	10	)	)	PUNCT
cjfa-38808	64	11	showed	show	VERB
cjfa-38808	64	12	that	that	SCONJ
cjfa-38808	64	13	islamic	islamic	ADJ
cjfa-38808	64	14	banks	bank	NOUN
cjfa-38808	64	15	in	in	ADP
cjfa-38808	64	16	yemen	yemen	PROPN
cjfa-38808	64	17	are	be	AUX
cjfa-38808	64	18	more	more	ADV
cjfa-38808	64	19	efficient	efficient	ADJ
cjfa-38808	64	20	than	than	ADP
cjfa-38808	64	21	conventional	conventional	ADJ
cjfa-38808	64	22	banks	bank	NOUN
cjfa-38808	64	23	between	between	ADP
cjfa-38808	64	24	1996	1996	NUM
cjfa-38808	64	25	and	and	CCONJ
cjfa-38808	64	26	2011	2011	NUM
cjfa-38808	64	27	.	.	PUNCT
cjfa-38808	65	1	batir	batir	PROPN
cjfa-38808	65	2	,	,	PUNCT
cjfa-38808	65	3	volkman	volkman	NOUN
cjfa-38808	65	4	and	and	CCONJ
cjfa-38808	65	5	gungor	gungor	PROPN
cjfa-38808	65	6	(	(	PUNCT
cjfa-38808	65	7	2017	2017	NUM
cjfa-38808	65	8	)	)	PUNCT
cjfa-38808	65	9	studied	study	VERB
cjfa-38808	65	10	the	the	DET
cjfa-38808	65	11	technical	technical	ADJ
cjfa-38808	65	12	,	,	PUNCT
cjfa-38808	65	13	allocative	allocative	ADJ
cjfa-38808	65	14	and	and	CCONJ
cjfa-38808	65	15	the	the	DET
cjfa-38808	65	16	economic	economic	ADJ
cjfa-38808	65	17	efficiency	efficiency	NOUN
cjfa-38808	65	18	of	of	ADP
cjfa-38808	65	19	conventional	conventional	ADJ
cjfa-38808	65	20	and	and	CCONJ
cjfa-38808	65	21	islamic	islamic	ADJ
cjfa-38808	65	22	banks	bank	NOUN
cjfa-38808	65	23	in	in	ADP
cjfa-38808	65	24	turkey	turkey	NOUN
cjfa-38808	65	25	using	use	VERB
cjfa-38808	65	26	dea	dea	PROPN
cjfa-38808	65	27	method	method	NOUN
cjfa-38808	65	28	and	and	CCONJ
cjfa-38808	65	29	the	the	DET
cjfa-38808	65	30	intermediation	intermediation	NOUN
cjfa-38808	65	31	approach	approach	NOUN
cjfa-38808	65	32	.	.	PUNCT
cjfa-38808	66	1	tobit	tobit	NOUN
cjfa-38808	66	2	regression	regression	NOUN
cjfa-38808	66	3	analysis	analysis	NOUN
cjfa-38808	66	4	is	be	AUX
cjfa-38808	66	5	also	also	ADV
cjfa-38808	66	6	used	use	VERB
cjfa-38808	66	7	to	to	PART
cjfa-38808	66	8	determine	determine	VERB
cjfa-38808	66	9	factors	factor	NOUN
cjfa-38808	66	10	affecting	affect	VERB
cjfa-38808	66	11	efficiency	efficiency	NOUN
cjfa-38808	66	12	.	.	PUNCT
cjfa-38808	67	1	the	the	DET
cjfa-38808	67	2	results	result	NOUN
cjfa-38808	67	3	show	show	VERB
cjfa-38808	67	4	that	that	SCONJ
cjfa-38808	67	5	the	the	DET
cjfa-38808	67	6	average	average	ADJ
cjfa-38808	67	7	annual	annual	ADJ
cjfa-38808	67	8	efficiency	efficiency	NOUN
cjfa-38808	67	9	of	of	ADP
cjfa-38808	67	10	islamic	islamic	ADJ
cjfa-38808	67	11	banks	bank	NOUN
cjfa-38808	67	12	is	be	AUX
cjfa-38808	67	13	higher	high	ADJ
cjfa-38808	67	14	than	than	ADP
cjfa-38808	67	15	that	that	PRON
cjfa-38808	67	16	of	of	ADP
cjfa-38808	67	17	conventional	conventional	ADJ
cjfa-38808	67	18	banks	bank	NOUN
cjfa-38808	67	19	.	.	PUNCT
cjfa-38808	68	1	sakti	sakti	PROPN
cjfa-38808	68	2	et	et	PROPN
cjfa-38808	68	3	al	al	PROPN
cjfa-38808	68	4	.	.	PROPN
cjfa-38808	69	1	(	(	PUNCT
cjfa-38808	69	2	2018	2018	NUM
cjfa-38808	69	3	)	)	PUNCT
cjfa-38808	69	4	studied	study	VERB
cjfa-38808	69	5	the	the	DET
cjfa-38808	69	6	differences	difference	NOUN
cjfa-38808	69	7	between	between	ADP
cjfa-38808	69	8	islamic	islamic	ADJ
cjfa-38808	69	9	and	and	CCONJ
cjfa-38808	69	10	conventional	conventional	ADJ
cjfa-38808	69	11	indonesian	indonesian	ADJ
cjfa-38808	69	12	banks	bank	NOUN
cjfa-38808	69	13	in	in	ADP
cjfa-38808	69	14	terms	term	NOUN
cjfa-38808	69	15	of	of	ADP
cjfa-38808	69	16	business	business	NOUN
cjfa-38808	69	17	model	model	NOUN
cjfa-38808	69	18	,	,	PUNCT
cjfa-38808	69	19	asset	asset	NOUN
cjfa-38808	69	20	quality	quality	NOUN
cjfa-38808	69	21	,	,	PUNCT
cjfa-38808	69	22	stability	stability	NOUN
cjfa-38808	69	23	,	,	PUNCT
cjfa-38808	69	24	and	and	CCONJ
cjfa-38808	69	25	efficiency	efficiency	NOUN
cjfa-38808	69	26	between	between	ADP
cjfa-38808	69	27	2008	2008	NUM
cjfa-38808	69	28	and	and	CCONJ
cjfa-38808	69	29	2012	2012	NUM
cjfa-38808	69	30	and	and	CCONJ
cjfa-38808	69	31	concluded	conclude	VERB
cjfa-38808	69	32	that	that	SCONJ
cjfa-38808	69	33	islamic	islamic	ADJ
cjfa-38808	69	34	banks	bank	NOUN
cjfa-38808	69	35	are	be	AUX
cjfa-38808	69	36	relatively	relatively	ADV
cjfa-38808	69	37	more	more	ADV
cjfa-38808	69	38	efficient	efficient	ADJ
cjfa-38808	69	39	than	than	ADP
cjfa-38808	69	40	conventional	conventional	ADJ
cjfa-38808	69	41	banks	bank	NOUN
cjfa-38808	69	42	.	.	PUNCT
cjfa-38808	70	1	shawtari	shawtari	PROPN
cjfa-38808	70	2	et	et	PROPN
cjfa-38808	70	3	al	al	PROPN
cjfa-38808	70	4	.	.	PROPN
cjfa-38808	71	1	(	(	PUNCT
cjfa-38808	71	2	2018	2018	NUM
cjfa-38808	71	3	)	)	PUNCT
cjfa-38808	71	4	empirically	empirically	ADV
cjfa-38808	71	5	examined	examine	VERB
cjfa-38808	71	6	the	the	DET
cjfa-38808	71	7	efficiency	efficiency	NOUN
cjfa-38808	71	8	of	of	ADP
cjfa-38808	71	9	islamic	islamic	ADJ
cjfa-38808	71	10	and	and	CCONJ
cjfa-38808	71	11	conventional	conventional	ADJ
cjfa-38808	71	12	banks	bank	NOUN
cjfa-38808	71	13	using	use	VERB
cjfa-38808	71	14	the	the	DET
cjfa-38808	71	15	dea	dea	NOUN
cjfa-38808	71	16	method	method	NOUN
cjfa-38808	71	17	in	in	ADP
cjfa-38808	71	18	its	its	PRON
cjfa-38808	71	19	windows	window	NOUN
cjfa-38808	71	20	version	version	NOUN
cjfa-38808	71	21	.	.	PUNCT
cjfa-38808	72	1	they	they	PRON
cjfa-38808	72	2	studied	study	VERB
cjfa-38808	72	3	the	the	DET
cjfa-38808	72	4	factors	factor	NOUN
cjfa-38808	72	5	that	that	PRON
cjfa-38808	72	6	influence	influence	VERB
cjfa-38808	72	7	each	each	DET
cjfa-38808	72	8	type	type	NOUN
cjfa-38808	72	9	of	of	ADP
cjfa-38808	72	10	efficiency	efficiency	NOUN
cjfa-38808	72	11	for	for	ADP
cjfa-38808	72	12	the	the	DET
cjfa-38808	72	13	period	period	NOUN
cjfa-38808	72	14	1996–2011	1996–2011	NUM
cjfa-38808	72	15	.	.	PUNCT
cjfa-38808	73	1	the	the	DET
cjfa-38808	73	2	results	result	NOUN
cjfa-38808	73	3	show	show	VERB
cjfa-38808	73	4	that	that	SCONJ
cjfa-38808	73	5	pure	pure	ADJ
cjfa-38808	73	6	technical	technical	ADJ
cjfa-38808	73	7	efficiency	efficiency	NOUN
cjfa-38808	73	8	is	be	AUX
cjfa-38808	73	9	higher	high	ADJ
cjfa-38808	73	10	in	in	ADP
cjfa-38808	73	11	conventional	conventional	ADJ
cjfa-38808	73	12	banks	bank	NOUN
cjfa-38808	73	13	.	.	PUNCT
cjfa-38808	74	1	however	however	ADV
cjfa-38808	74	2	,	,	PUNCT
cjfa-38808	74	3	islamic	islamic	ADJ
cjfa-38808	74	4	banks	bank	NOUN
cjfa-38808	74	5	are	be	AUX
cjfa-38808	74	6	more	more	ADV
cjfa-38808	74	7	efficient	efficient	ADJ
cjfa-38808	74	8	in	in	ADP
cjfa-38808	74	9	terms	term	NOUN
cjfa-38808	74	10	of	of	ADP
cjfa-38808	74	11	efficiency	efficiency	NOUN
cjfa-38808	74	12	of	of	ADP
cjfa-38808	74	13	scale	scale	NOUN
cjfa-38808	74	14	.	.	PUNCT
cjfa-38808	75	1	asmild	asmild	PROPN
cjfa-38808	75	2	et	et	PROPN
cjfa-38808	75	3	al	al	PROPN
cjfa-38808	75	4	.	.	PROPN
cjfa-38808	76	1	(	(	PUNCT
cjfa-38808	76	2	2019	2019	NUM
cjfa-38808	76	3	)	)	PUNCT
cjfa-38808	76	4	applied	apply	VERB
cjfa-38808	76	5	a	a	DET
cjfa-38808	76	6	multidirectional	multidirectional	ADJ
cjfa-38808	76	7	efficiency	efficiency	NOUN
cjfa-38808	76	8	analysis	analysis	NOUN
cjfa-38808	76	9	(	(	PUNCT
cjfa-38808	76	10	mea	mea	NOUN
cjfa-38808	76	11	)	)	PUNCT
cjfa-38808	76	12	that	that	PRON
cjfa-38808	76	13	facilitates	facilitate	VERB
cjfa-38808	76	14	understanding	understanding	NOUN
cjfa-38808	76	15	of	of	ADP
cjfa-38808	76	16	differences	difference	NOUN
cjfa-38808	76	17	in	in	ADP
cjfa-38808	76	18	inefficiency	inefficiency	NOUN
cjfa-38808	76	19	models	model	NOUN
cjfa-38808	76	20	for	for	ADP
cjfa-38808	76	21	a	a	DET
cjfa-38808	76	22	set	set	NOUN
cjfa-38808	76	23	of	of	ADP
cjfa-38808	76	24	banks	bank	NOUN
cjfa-38808	76	25	in	in	ADP
cjfa-38808	76	26	bangladesh	bangladesh	NOUN
cjfa-38808	76	27	from	from	ADP
cjfa-38808	76	28	2001	2001	NUM
cjfa-38808	76	29	to	to	ADP
cjfa-38808	76	30	2015	2015	NUM
cjfa-38808	76	31	.	.	PUNCT
cjfa-38808	77	1	they	they	PRON
cjfa-38808	77	2	confirmed	confirm	VERB
cjfa-38808	77	3	the	the	DET
cjfa-38808	77	4	consensus	consensus	NOUN
cjfa-38808	77	5	that	that	SCONJ
cjfa-38808	77	6	islamic	islamic	ADJ
cjfa-38808	77	7	banks	bank	NOUN
cjfa-38808	77	8	outperformed	outperform	VERB
cjfa-38808	77	9	conventional	conventional	ADJ
cjfa-38808	77	10	commercial	commercial	ADJ
cjfa-38808	77	11	banks	bank	NOUN
cjfa-38808	77	12	during	during	ADP
cjfa-38808	77	13	the	the	DET
cjfa-38808	77	14	gfc	gfc	NOUN
cjfa-38808	77	15	period	period	NOUN
cjfa-38808	77	16	but	but	CCONJ
cjfa-38808	77	17	also	also	ADV
cjfa-38808	77	18	identify	identify	VERB
cjfa-38808	77	19	inefficiency	inefficiency	NOUN
cjfa-38808	77	20	differences	difference	NOUN
cjfa-38808	77	21	based	base	VERB
cjfa-38808	77	22	on	on	ADP
cjfa-38808	77	23	specific	specific	ADJ
cjfa-38808	77	24	variables	variable	NOUN
cjfa-38808	77	25	.	.	PUNCT
cjfa-38808	78	1	contrary	contrary	ADJ
cjfa-38808	78	2	to	to	ADP
cjfa-38808	78	3	the	the	DET
cjfa-38808	78	4	studies	study	NOUN
cjfa-38808	78	5	mentioned	mention	VERB
cjfa-38808	78	6	above	above	ADV
cjfa-38808	78	7	,	,	PUNCT
cjfa-38808	78	8	other	other	ADJ
cjfa-38808	78	9	works	work	NOUN
cjfa-38808	78	10	found	find	VERB
cjfa-38808	78	11	that	that	SCONJ
cjfa-38808	78	12	conventional	conventional	ADJ
cjfa-38808	78	13	banks	bank	NOUN
cjfa-38808	78	14	are	be	AUX
cjfa-38808	78	15	more	more	ADV
cjfa-38808	78	16	efficient	efficient	ADJ
cjfa-38808	78	17	than	than	ADP
cjfa-38808	78	18	islamic	islamic	ADJ
cjfa-38808	78	19	banks	bank	NOUN
cjfa-38808	78	20	.	.	PUNCT
cjfa-38808	79	1	hassan	hassan	PROPN
cjfa-38808	79	2	(	(	PUNCT
cjfa-38808	79	3	2006	2006	NUM
cjfa-38808	79	4	)	)	PUNCT
cjfa-38808	79	5	compared	compare	VERB
cjfa-38808	79	6	the	the	DET
cjfa-38808	79	7	cost	cost	NOUN
cjfa-38808	79	8	and	and	CCONJ
cjfa-38808	79	9	profit	profit	NOUN
cjfa-38808	79	10	efficiency	efficiency	NOUN
cjfa-38808	79	11	of	of	ADP
cjfa-38808	79	12	37	37	NUM
cjfa-38808	79	13	conventional	conventional	ADJ
cjfa-38808	79	14	and	and	CCONJ
cjfa-38808	79	15	43	43	NUM
cjfa-38808	79	16	islamic	islamic	ADJ
cjfa-38808	79	17	banks	bank	NOUN
cjfa-38808	79	18	in	in	ADP
cjfa-38808	79	19	21	21	NUM
cjfa-38808	79	20	oic	oic	PROPN
cjfa-38808	79	21	countries	country	NOUN
cjfa-38808	79	22	over	over	ADP
cjfa-38808	79	23	the	the	DET
cjfa-38808	79	24	period	period	NOUN
cjfa-38808	79	25	1995–2001	1995–2001	NUM
cjfa-38808	79	26	and	and	CCONJ
cjfa-38808	79	27	found	find	VERB
cjfa-38808	79	28	that	that	SCONJ
cjfa-38808	79	29	the	the	DET
cjfa-38808	79	30	islamic	islamic	ADJ
cjfa-38808	79	31	banking	banking	NOUN
cjfa-38808	79	32	industry	industry	NOUN
cjfa-38808	79	33	is	be	AUX
cjfa-38808	79	34	relatively	relatively	ADV
cjfa-38808	79	35	less	less	ADV
cjfa-38808	79	36	efficient	efficient	ADJ
cjfa-38808	79	37	than	than	ADP
cjfa-38808	79	38	its	its	PRON
cjfa-38808	79	39	conventional	conventional	ADJ
cjfa-38808	79	40	counterpart	counterpart	NOUN
cjfa-38808	79	41	.	.	PUNCT
cjfa-38808	80	1	using	use	VERB
cjfa-38808	80	2	a	a	DET
cjfa-38808	80	3	nonparametric	nonparametric	NOUN
cjfa-38808	80	4	technique	technique	NOUN
cjfa-38808	80	5	(	(	PUNCT
cjfa-38808	80	6	dea	dea	NOUN
cjfa-38808	80	7	method	method	PROPN
cjfa-38808	80	8	)	)	PUNCT
cjfa-38808	80	9	and	and	CCONJ
cjfa-38808	80	10	an	an	DET
cjfa-38808	80	11	intermediation	intermediation	NOUN
cjfa-38808	80	12	approach	approach	NOUN
cjfa-38808	80	13	in	in	ADP
cjfa-38808	80	14	malaysia	malaysia	PROPN
cjfa-38808	80	15	from	from	ADP
cjfa-38808	80	16	1997	1997	NUM
cjfa-38808	80	17	to	to	ADP
cjfa-38808	80	18	2003	2003	NUM
cjfa-38808	80	19	,	,	PUNCT
cjfa-38808	80	20	mokhtar	mokhtar	PROPN
cjfa-38808	80	21	,	,	PUNCT
cjfa-38808	80	22	abdullah	abdullah	PROPN
cjfa-38808	80	23	and	and	CCONJ
cjfa-38808	80	24	alhabshi	alhabshi	PROPN
cjfa-38808	80	25	(	(	PUNCT
cjfa-38808	80	26	2008	2008	NUM
cjfa-38808	80	27	)	)	PUNCT
cjfa-38808	80	28	showed	show	VERB
cjfa-38808	80	29	that	that	SCONJ
cjfa-38808	80	30	fully	fully	ADV
cjfa-38808	80	31	fledged	fledge	VERB
cjfa-38808	80	32	islamic	islamic	ADJ
cjfa-38808	80	33	banks	bank	NOUN
cjfa-38808	80	34	are	be	AUX
cjfa-38808	80	35	more	more	ADV
cjfa-38808	80	36	efficient	efficient	ADJ
cjfa-38808	80	37	than	than	SCONJ
cjfa-38808	80	38	banks	bank	NOUN
cjfa-38808	80	39	with	with	ADP
cjfa-38808	80	40	islamic	islamic	PROPN
cjfa-38808	80	41	win	win	PROPN
cjfa-38808	80	42	r.	r.	PROPN
cjfa-38808	80	43	b.	b.	PROPN
cjfa-38808	80	44	slimen	slimen	PROPN
cjfa-38808	80	45	,	,	PUNCT
cjfa-38808	80	46	f.	f.	PROPN
cjfa-38808	80	47	belhaj	belhaj	PROPN
cjfa-38808	80	48	,	,	PUNCT
cjfa-38808	80	49	m.	m.	NOUN
cjfa-38808	80	50	hadriche	hadriche	NOUN
cjfa-38808	80	51	,	,	PUNCT
cjfa-38808	80	52	m.	m.	NOUN
cjfa-38808	80	53	ghroubi94	ghroubi94	NOUN
cjfa-38808	80	54	dows	dow	VERB
cjfa-38808	80	55	and	and	CCONJ
cjfa-38808	80	56	that	that	SCONJ
cjfa-38808	80	57	the	the	DET
cjfa-38808	80	58	two	two	NUM
cjfa-38808	80	59	types	type	NOUN
cjfa-38808	80	60	of	of	ADP
cjfa-38808	80	61	islamic	islamic	ADJ
cjfa-38808	80	62	banks	bank	NOUN
cjfa-38808	80	63	are	be	AUX
cjfa-38808	80	64	even	even	ADV
cjfa-38808	80	65	less	less	ADV
cjfa-38808	80	66	efficient	efficient	ADJ
cjfa-38808	80	67	than	than	ADP
cjfa-38808	80	68	conventional	conventional	ADJ
cjfa-38808	80	69	banks	bank	NOUN
cjfa-38808	80	70	.	.	PUNCT
cjfa-38808	81	1	they	they	PRON
cjfa-38808	81	2	also	also	ADV
cjfa-38808	81	3	showed	show	VERB
cjfa-38808	81	4	an	an	DET
cjfa-38808	81	5	improvement	improvement	NOUN
cjfa-38808	81	6	in	in	ADP
cjfa-38808	81	7	the	the	DET
cjfa-38808	81	8	efficiency	efficiency	NOUN
cjfa-38808	81	9	of	of	ADP
cjfa-38808	81	10	the	the	DET
cjfa-38808	81	11	entire	entire	ADJ
cjfa-38808	81	12	islamic	islamic	ADJ
cjfa-38808	81	13	banking	banking	NOUN
cjfa-38808	81	14	sector	sector	NOUN
cjfa-38808	81	15	during	during	ADP
cjfa-38808	81	16	the	the	DET
cjfa-38808	81	17	study	study	NOUN
cjfa-38808	81	18	period	period	NOUN
cjfa-38808	81	19	.	.	PUNCT
cjfa-38808	82	1	ismail	ismail	NOUN
cjfa-38808	82	2	,	,	PUNCT
cjfa-38808	82	3	abdul	abdul	PROPN
cjfa-38808	82	4	-	-	PUNCT
cjfa-38808	82	5	majid	majid	PROPN
cjfa-38808	82	6	and	and	CCONJ
cjfa-38808	82	7	rahim	rahim	PROPN
cjfa-38808	82	8	(	(	PUNCT
cjfa-38808	82	9	2013	2013	NUM
cjfa-38808	82	10	)	)	PUNCT
cjfa-38808	82	11	compared	compare	VERB
cjfa-38808	82	12	the	the	DET
cjfa-38808	82	13	efficiency	efficiency	NOUN
cjfa-38808	82	14	of	of	ADP
cjfa-38808	82	15	islamic	islamic	ADJ
cjfa-38808	82	16	systems	system	NOUN
cjfa-38808	82	17	and	and	CCONJ
cjfa-38808	82	18	conventional	conventional	ADJ
cjfa-38808	82	19	banks	bank	NOUN
cjfa-38808	82	20	in	in	ADP
cjfa-38808	82	21	malaysia	malaysia	NOUN
cjfa-38808	82	22	during	during	ADP
cjfa-38808	82	23	the	the	DET
cjfa-38808	82	24	period	period	NOUN
cjfa-38808	82	25	2006–2009	2006–2009	NUM
cjfa-38808	82	26	and	and	CCONJ
cjfa-38808	82	27	showed	show	VERB
cjfa-38808	82	28	that	that	SCONJ
cjfa-38808	82	29	conventional	conventional	ADJ
cjfa-38808	82	30	banks	bank	NOUN
cjfa-38808	82	31	are	be	AUX
cjfa-38808	82	32	more	more	ADV
cjfa-38808	82	33	efficient	efficient	ADJ
cjfa-38808	82	34	than	than	ADP
cjfa-38808	82	35	islamic	islamic	ADJ
cjfa-38808	82	36	banks	bank	NOUN
cjfa-38808	82	37	.	.	PUNCT
cjfa-38808	83	1	abbas	abbas	PROPN
cjfa-38808	83	2	,	,	PUNCT
cjfa-38808	83	3	azid	azid	NOUN
cjfa-38808	83	4	and	and	CCONJ
cjfa-38808	83	5	besar	besar	PROPN
cjfa-38808	83	6	(	(	PUNCT
cjfa-38808	83	7	2016	2016	NUM
cjfa-38808	83	8	)	)	PUNCT
cjfa-38808	83	9	studied	study	VERB
cjfa-38808	83	10	bank	bank	NOUN
cjfa-38808	83	11	efficiency	efficiency	NOUN
cjfa-38808	83	12	in	in	ADP
cjfa-38808	83	13	pakistan	pakistan	PROPN
cjfa-38808	83	14	through	through	ADP
cjfa-38808	83	15	a	a	DET
cjfa-38808	83	16	comparative	comparative	ADJ
cjfa-38808	83	17	analysis	analysis	NOUN
cjfa-38808	83	18	between	between	ADP
cjfa-38808	83	19	islamic	islamic	ADJ
cjfa-38808	83	20	and	and	CCONJ
cjfa-38808	83	21	conventional	conventional	ADJ
cjfa-38808	83	22	banks	bank	NOUN
cjfa-38808	83	23	and	and	CCONJ
cjfa-38808	83	24	examine	examine	VERB
cjfa-38808	83	25	their	their	PRON
cjfa-38808	83	26	determinants	determinant	NOUN
cjfa-38808	83	27	using	use	VERB
cjfa-38808	83	28	the	the	DET
cjfa-38808	83	29	dea	dea	PROPN
cjfa-38808	83	30	approach	approach	NOUN
cjfa-38808	83	31	.	.	PUNCT
cjfa-38808	84	1	they	they	PRON
cjfa-38808	84	2	found	find	VERB
cjfa-38808	84	3	that	that	SCONJ
cjfa-38808	84	4	the	the	DET
cjfa-38808	84	5	efficiency	efficiency	NOUN
cjfa-38808	84	6	of	of	ADP
cjfa-38808	84	7	islamic	islamic	ADJ
cjfa-38808	84	8	and	and	CCONJ
cjfa-38808	84	9	conventional	conventional	ADJ
cjfa-38808	84	10	banks	bank	NOUN
cjfa-38808	84	11	is	be	AUX
cjfa-38808	84	12	different	different	ADJ
cjfa-38808	84	13	;	;	PUNCT
cjfa-38808	84	14	the	the	DET
cjfa-38808	84	15	performance	performance	NOUN
cjfa-38808	84	16	of	of	ADP
cjfa-38808	84	17	islamic	islamic	ADJ
cjfa-38808	84	18	banks	bank	NOUN
cjfa-38808	84	19	is	be	AUX
cjfa-38808	84	20	lower	low	ADJ
cjfa-38808	84	21	than	than	ADP
cjfa-38808	84	22	that	that	PRON
cjfa-38808	84	23	of	of	ADP
cjfa-38808	84	24	conventional	conventional	ADJ
cjfa-38808	84	25	banks	bank	NOUN
cjfa-38808	84	26	in	in	ADP
cjfa-38808	84	27	pakistan	pakistan	PROPN
cjfa-38808	84	28	in	in	ADP
cjfa-38808	84	29	terms	term	NOUN
cjfa-38808	84	30	of	of	ADP
cjfa-38808	84	31	te	te	PROPN
cjfa-38808	84	32	and	and	CCONJ
cjfa-38808	84	33	pure	pure	ADJ
cjfa-38808	84	34	technical	technical	ADJ
cjfa-38808	84	35	efficiency	efficiency	NOUN
cjfa-38808	84	36	(	(	PUNCT
cjfa-38808	84	37	pte	pte	NOUN
cjfa-38808	84	38	)	)	PUNCT
cjfa-38808	84	39	,	,	PUNCT
cjfa-38808	84	40	although	although	SCONJ
cjfa-38808	84	41	they	they	PRON
cjfa-38808	84	42	had	have	VERB
cjfa-38808	84	43	the	the	DET
cjfa-38808	84	44	same	same	ADJ
cjfa-38808	84	45	level	level	NOUN
cjfa-38808	84	46	of	of	ADP
cjfa-38808	84	47	scale	scale	NOUN
cjfa-38808	84	48	efficiency	efficiency	NOUN
cjfa-38808	84	49	.	.	PUNCT
cjfa-38808	85	1	haque	haque	PROPN
cjfa-38808	85	2	et	et	PROPN
cjfa-38808	85	3	al	al	PROPN
cjfa-38808	85	4	.	.	PROPN
cjfa-38808	85	5	(	(	PUNCT
cjfa-38808	85	6	2020	2020	NUM
cjfa-38808	85	7	)	)	PUNCT
cjfa-38808	85	8	combined	combine	VERB
cjfa-38808	85	9	traditional	traditional	ADJ
cjfa-38808	85	10	financial	financial	ADJ
cjfa-38808	85	11	ratios	ratio	NOUN
cjfa-38808	85	12	,	,	PUNCT
cjfa-38808	85	13	return	return	VERB
cjfa-38808	85	14	on	on	ADP
cjfa-38808	85	15	equity	equity	NOUN
cjfa-38808	85	16	(	(	PUNCT
cjfa-38808	85	17	roe	roe	PROPN
cjfa-38808	85	18	)	)	PUNCT
cjfa-38808	85	19	and	and	CCONJ
cjfa-38808	85	20	return	return	VERB
cjfa-38808	85	21	on	on	ADP
cjfa-38808	85	22	assets	asset	NOUN
cjfa-38808	85	23	(	(	PUNCT
cjfa-38808	85	24	roa	roa	NOUN
cjfa-38808	85	25	)	)	PUNCT
cjfa-38808	85	26	,	,	PUNCT
cjfa-38808	85	27	with	with	ADP
cjfa-38808	85	28	data	datum	NOUN
cjfa-38808	85	29	envelopment	envelopment	ADJ
cjfa-38808	85	30	analysis	analysis	NOUN
cjfa-38808	85	31	(	(	PUNCT
cjfa-38808	85	32	dea	dea	NOUN
cjfa-38808	85	33	)	)	PUNCT
cjfa-38808	85	34	for	for	ADP
cjfa-38808	85	35	the	the	DET
cjfa-38808	85	36	period	period	NOUN
cjfa-38808	85	37	2014–2018	2014–2018	NUM
cjfa-38808	85	38	to	to	PART
cjfa-38808	85	39	compare	compare	VERB
cjfa-38808	85	40	islamic	islamic	ADJ
cjfa-38808	85	41	and	and	CCONJ
cjfa-38808	85	42	conventional	conventional	ADJ
cjfa-38808	85	43	banks	bank	NOUN
cjfa-38808	85	44	.	.	PUNCT
cjfa-38808	86	1	dea	dea	PROPN
cjfa-38808	86	2	results	result	NOUN
cjfa-38808	86	3	show	show	VERB
cjfa-38808	86	4	that	that	SCONJ
cjfa-38808	86	5	conventional	conventional	ADJ
cjfa-38808	86	6	banks	bank	NOUN
cjfa-38808	86	7	are	be	AUX
cjfa-38808	86	8	more	more	ADV
cjfa-38808	86	9	efficient	efficient	ADJ
cjfa-38808	86	10	than	than	ADP
cjfa-38808	86	11	islamic	islamic	ADJ
cjfa-38808	86	12	banks	bank	NOUN
cjfa-38808	86	13	.	.	PUNCT
cjfa-38808	87	1	although	although	SCONJ
cjfa-38808	87	2	most	most	ADJ
cjfa-38808	87	3	previous	previous	ADJ
cjfa-38808	87	4	studies	study	NOUN
cjfa-38808	87	5	conclude	conclude	VERB
cjfa-38808	87	6	that	that	SCONJ
cjfa-38808	87	7	one	one	NUM
cjfa-38808	87	8	of	of	ADP
cjfa-38808	87	9	these	these	DET
cjfa-38808	87	10	two	two	NUM
cjfa-38808	87	11	banking	banking	NOUN
cjfa-38808	87	12	systems	system	NOUN
cjfa-38808	87	13	is	be	AUX
cjfa-38808	87	14	superior	superior	ADJ
cjfa-38808	87	15	in	in	ADP
cjfa-38808	87	16	terms	term	NOUN
cjfa-38808	87	17	of	of	ADP
cjfa-38808	87	18	efficiency	efficiency	NOUN
cjfa-38808	87	19	,	,	PUNCT
cjfa-38808	87	20	other	other	ADJ
cjfa-38808	87	21	previous	previous	ADJ
cjfa-38808	87	22	studies	study	NOUN
cjfa-38808	87	23	assume	assume	VERB
cjfa-38808	87	24	that	that	SCONJ
cjfa-38808	87	25	they	they	PRON
cjfa-38808	87	26	have	have	VERB
cjfa-38808	87	27	the	the	DET
cjfa-38808	87	28	same	same	ADJ
cjfa-38808	87	29	level	level	NOUN
cjfa-38808	87	30	of	of	ADP
cjfa-38808	87	31	efficiency	efficiency	NOUN
cjfa-38808	87	32	.	.	PUNCT
cjfa-38808	88	1	in	in	ADP
cjfa-38808	88	2	this	this	DET
cjfa-38808	88	3	context	context	NOUN
cjfa-38808	88	4	,	,	PUNCT
cjfa-38808	88	5	abdul	abdul	PROPN
cjfa-38808	88	6	-	-	PUNCT
cjfa-38808	88	7	majid	majid	PROPN
cjfa-38808	88	8	et	et	PROPN
cjfa-38808	88	9	al	al	PROPN
cjfa-38808	88	10	.	.	PROPN
cjfa-38808	89	1	(	(	PUNCT
cjfa-38808	89	2	2010	2010	NUM
cjfa-38808	89	3	)	)	PUNCT
cjfa-38808	89	4	used	use	VERB
cjfa-38808	89	5	an	an	DET
cjfa-38808	89	6	output	output	NOUN
cjfa-38808	89	7	distance	distance	NOUN
cjfa-38808	89	8	function	function	NOUN
cjfa-38808	89	9	to	to	PART
cjfa-38808	89	10	examine	examine	VERB
cjfa-38808	89	11	the	the	DET
cjfa-38808	89	12	efficiency	efficiency	NOUN
cjfa-38808	89	13	and	and	CCONJ
cjfa-38808	89	14	returns	return	NOUN
cjfa-38808	89	15	to	to	ADP
cjfa-38808	89	16	scale	scale	NOUN
cjfa-38808	89	17	of	of	ADP
cjfa-38808	89	18	islamic	islamic	ADJ
cjfa-38808	89	19	banks	bank	NOUN
cjfa-38808	89	20	compared	compare	VERB
cjfa-38808	89	21	to	to	ADP
cjfa-38808	89	22	conventional	conventional	ADJ
cjfa-38808	89	23	banks	bank	NOUN
cjfa-38808	89	24	in	in	ADP
cjfa-38808	89	25	ten	ten	NUM
cjfa-38808	89	26	islamic	islamic	ADJ
cjfa-38808	89	27	countries	country	NOUN
cjfa-38808	89	28	for	for	ADP
cjfa-38808	89	29	the	the	DET
cjfa-38808	89	30	period	period	NOUN
cjfa-38808	89	31	1996–2002	1996–2002	NUM
cjfa-38808	89	32	and	and	CCONJ
cjfa-38808	89	33	found	find	VERB
cjfa-38808	89	34	no	no	DET
cjfa-38808	89	35	significant	significant	ADJ
cjfa-38808	89	36	differences	difference	NOUN
cjfa-38808	89	37	.	.	PUNCT
cjfa-38808	90	1	yahya	yahya	PROPN
cjfa-38808	90	2	,	,	PUNCT
cjfa-38808	90	3	muhammad	muhammad	PROPN
cjfa-38808	90	4	and	and	CCONJ
cjfa-38808	90	5	hadi	hadi	PROPN
cjfa-38808	90	6	(	(	PUNCT
cjfa-38808	90	7	2012	2012	NUM
cjfa-38808	90	8	)	)	PUNCT
cjfa-38808	90	9	studied	study	VERB
cjfa-38808	90	10	the	the	DET
cjfa-38808	90	11	difference	difference	NOUN
cjfa-38808	90	12	between	between	ADP
cjfa-38808	90	13	the	the	DET
cjfa-38808	90	14	level	level	NOUN
cjfa-38808	90	15	of	of	ADP
cjfa-38808	90	16	efficiency	efficiency	NOUN
cjfa-38808	90	17	of	of	ADP
cjfa-38808	90	18	islamic	islamic	ADJ
cjfa-38808	90	19	and	and	CCONJ
cjfa-38808	90	20	conventional	conventional	ADJ
cjfa-38808	90	21	banking	banking	NOUN
cjfa-38808	90	22	operations	operation	NOUN
cjfa-38808	90	23	in	in	ADP
cjfa-38808	90	24	malaysia	malaysia	NOUN
cjfa-38808	90	25	using	use	VERB
cjfa-38808	90	26	the	the	DET
cjfa-38808	90	27	dea	dea	PROPN
cjfa-38808	90	28	method	method	NOUN
cjfa-38808	90	29	.	.	PUNCT
cjfa-38808	91	1	the	the	DET
cjfa-38808	91	2	results	result	NOUN
cjfa-38808	91	3	indicate	indicate	VERB
cjfa-38808	91	4	that	that	SCONJ
cjfa-38808	91	5	there	there	PRON
cjfa-38808	91	6	is	be	VERB
cjfa-38808	91	7	no	no	DET
cjfa-38808	91	8	significant	significant	ADJ
cjfa-38808	91	9	difference	difference	NOUN
cjfa-38808	91	10	in	in	ADP
cjfa-38808	91	11	the	the	DET
cjfa-38808	91	12	level	level	NOUN
cjfa-38808	91	13	of	of	ADP
cjfa-38808	91	14	efficiency	efficiency	NOUN
cjfa-38808	91	15	between	between	ADP
cjfa-38808	91	16	islamic	islamic	ADJ
cjfa-38808	91	17	and	and	CCONJ
cjfa-38808	91	18	conventional	conventional	ADJ
cjfa-38808	91	19	banks	bank	NOUN
cjfa-38808	91	20	.	.	PUNCT
cjfa-38808	92	1	beck	beck	PROPN
cjfa-38808	92	2	,	,	PUNCT
cjfa-38808	92	3	demirgüç	demirgüç	PROPN
cjfa-38808	92	4	-	-	PUNCT
cjfa-38808	92	5	kunt	kunt	PROPN
cjfa-38808	92	6	and	and	CCONJ
cjfa-38808	92	7	merrouche	merrouche	X
cjfa-38808	92	8	(	(	PUNCT
cjfa-38808	92	9	2013	2013	NUM
cjfa-38808	92	10	)	)	PUNCT
cjfa-38808	92	11	compared	compare	VERB
cjfa-38808	92	12	the	the	DET
cjfa-38808	92	13	efficiency	efficiency	NOUN
cjfa-38808	92	14	of	of	ADP
cjfa-38808	92	15	islamic	islamic	ADJ
cjfa-38808	92	16	and	and	CCONJ
cjfa-38808	92	17	conventional	conventional	ADJ
cjfa-38808	92	18	banks	bank	NOUN
cjfa-38808	92	19	based	base	VERB
cjfa-38808	92	20	on	on	ADP
cjfa-38808	92	21	a	a	DET
cjfa-38808	92	22	sample	sample	NOUN
cjfa-38808	92	23	of	of	ADP
cjfa-38808	92	24	22	22	NUM
cjfa-38808	92	25	countries	country	NOUN
cjfa-38808	92	26	.	.	PUNCT
cjfa-38808	93	1	they	they	PRON
cjfa-38808	93	2	found	find	VERB
cjfa-38808	93	3	no	no	DET
cjfa-38808	93	4	significant	significant	ADJ
cjfa-38808	93	5	difference	difference	NOUN
cjfa-38808	93	6	between	between	ADP
cjfa-38808	93	7	these	these	DET
cjfa-38808	93	8	two	two	NUM
cjfa-38808	93	9	banking	banking	NOUN
cjfa-38808	93	10	systems	system	NOUN
cjfa-38808	93	11	.	.	PUNCT
cjfa-38808	94	1	tek	tek	PROPN
cjfa-38808	94	2	wei	wei	PROPN
cjfa-38808	94	3	saw	see	VERB
cjfa-38808	94	4	,	,	PUNCT
cjfa-38808	94	5	kamarudin	kamarudin	NOUN
cjfa-38808	94	6	and	and	CCONJ
cjfa-38808	94	7	latiff	latiff	ADJ
cjfa-38808	94	8	(	(	PUNCT
cjfa-38808	94	9	2020	2020	NUM
cjfa-38808	94	10	)	)	PUNCT
cjfa-38808	94	11	used	use	VERB
cjfa-38808	94	12	a	a	DET
cjfa-38808	94	13	sample	sample	NOUN
cjfa-38808	94	14	of	of	ADP
cjfa-38808	94	15	18	18	NUM
cjfa-38808	94	16	countries	country	NOUN
cjfa-38808	94	17	with	with	ADP
cjfa-38808	94	18	70	70	NUM
cjfa-38808	94	19	islamic	islamic	ADJ
cjfa-38808	94	20	and	and	CCONJ
cjfa-38808	94	21	374	374	NUM
cjfa-38808	94	22	conventional	conventional	ADJ
cjfa-38808	94	23	banks	bank	NOUN
cjfa-38808	94	24	spanning	span	VERB
cjfa-38808	94	25	from	from	ADP
cjfa-38808	94	26	year	year	NOUN
cjfa-38808	94	27	2009	2009	NUM
cjfa-38808	94	28	to	to	ADP
cjfa-38808	94	29	2017	2017	NUM
cjfa-38808	94	30	across	across	ADP
cjfa-38808	94	31	the	the	DET
cjfa-38808	94	32	middle	middle	PROPN
cjfa-38808	94	33	east	east	PROPN
cjfa-38808	94	34	,	,	PUNCT
cjfa-38808	94	35	south	south	PROPN
cjfa-38808	94	36	asia	asia	PROPN
cjfa-38808	94	37	and	and	CCONJ
cjfa-38808	94	38	southeast	southeast	ADJ
cjfa-38808	94	39	asia	asia	PROPN
cjfa-38808	94	40	regions	region	NOUN
cjfa-38808	94	41	.	.	PUNCT
cjfa-38808	95	1	the	the	DET
cjfa-38808	95	2	empirical	empirical	ADJ
cjfa-38808	95	3	results	result	NOUN
cjfa-38808	95	4	indicate	indicate	VERB
cjfa-38808	95	5	that	that	SCONJ
cjfa-38808	95	6	there	there	PRON
cjfa-38808	95	7	is	be	VERB
cjfa-38808	95	8	no	no	DET
cjfa-38808	95	9	significant	significant	ADJ
cjfa-38808	95	10	difference	difference	NOUN
cjfa-38808	95	11	between	between	ADP
cjfa-38808	95	12	both	both	DET
cjfa-38808	95	13	types	type	NOUN
cjfa-38808	95	14	of	of	ADP
cjfa-38808	95	15	banks	bank	NOUN
cjfa-38808	95	16	.	.	PUNCT
cjfa-38808	96	1	yusuf	yusuf	PROPN
cjfa-38808	96	2	et	et	PROPN
cjfa-38808	96	3	al	al	PROPN
cjfa-38808	96	4	.	.	PROPN
cjfa-38808	97	1	(	(	PUNCT
cjfa-38808	97	2	2021	2021	NUM
cjfa-38808	97	3	)	)	PUNCT
cjfa-38808	97	4	found	find	VERB
cjfa-38808	97	5	,	,	PUNCT
cjfa-38808	97	6	by	by	ADP
cjfa-38808	97	7	using	use	VERB
cjfa-38808	97	8	stochastic	stochastic	ADJ
cjfa-38808	97	9	frontier	frontier	NOUN
cjfa-38808	97	10	analysis	analysis	NOUN
cjfa-38808	97	11	(	(	PUNCT
cjfa-38808	97	12	sfa	sfa	PROPN
cjfa-38808	97	13	)	)	PUNCT
cjfa-38808	97	14	in	in	ADP
cjfa-38808	97	15	indonesia	indonesia	PROPN
cjfa-38808	97	16	for	for	ADP
cjfa-38808	97	17	the	the	DET
cjfa-38808	97	18	2014–2019	2014–2019	NUM
cjfa-38808	97	19	period	period	NOUN
cjfa-38808	97	20	,	,	PUNCT
cjfa-38808	97	21	no	no	DET
cjfa-38808	97	22	significant	significant	ADJ
cjfa-38808	97	23	difference	difference	NOUN
cjfa-38808	97	24	in	in	ADP
cjfa-38808	97	25	the	the	DET
cjfa-38808	97	26	efficiency	efficiency	NOUN
cjfa-38808	97	27	of	of	ADP
cjfa-38808	97	28	conventional	conventional	ADJ
cjfa-38808	97	29	banks	bank	NOUN
cjfa-38808	97	30	and	and	CCONJ
cjfa-38808	97	31	islamic	islamic	ADJ
cjfa-38808	97	32	banks	bank	NOUN
cjfa-38808	97	33	.	.	PUNCT
cjfa-38808	98	1	banking	banking	NOUN
cjfa-38808	98	2	efficiency	efficiency	NOUN
cjfa-38808	98	3	:	:	PUNCT
cjfa-38808	98	4	a	a	DET
cjfa-38808	98	5	comparative	comparative	ADJ
cjfa-38808	98	6	study	study	NOUN
cjfa-38808	98	7	…	…	PUNCT
cjfa-38808	98	8	95	95	NUM
cjfa-38808	98	9	in	in	ADP
cjfa-38808	98	10	the	the	DET
cjfa-38808	98	11	context	context	NOUN
cjfa-38808	98	12	of	of	ADP
cjfa-38808	98	13	gcc	gcc	NOUN
cjfa-38808	98	14	countries	country	NOUN
cjfa-38808	98	15	,	,	PUNCT
cjfa-38808	98	16	srairi	srairi	NOUN
cjfa-38808	98	17	(	(	PUNCT
cjfa-38808	98	18	2010	2010	NUM
cjfa-38808	98	19	)	)	PUNCT
cjfa-38808	98	20	used	use	VERB
cjfa-38808	98	21	the	the	DET
cjfa-38808	98	22	stochastic	stochastic	ADJ
cjfa-38808	98	23	frontier	frontier	NOUN
cjfa-38808	98	24	approach	approach	NOUN
cjfa-38808	98	25	to	to	PART
cjfa-38808	98	26	examine	examine	VERB
cjfa-38808	98	27	the	the	DET
cjfa-38808	98	28	cost	cost	NOUN
cjfa-38808	98	29	and	and	CCONJ
cjfa-38808	98	30	profit	profit	NOUN
cjfa-38808	98	31	efficiency	efficiency	NOUN
cjfa-38808	98	32	levels	level	NOUN
cjfa-38808	98	33	of	of	ADP
cjfa-38808	98	34	71	71	NUM
cjfa-38808	98	35	commercial	commercial	ADJ
cjfa-38808	98	36	banks	bank	NOUN
cjfa-38808	98	37	for	for	ADP
cjfa-38808	98	38	the	the	DET
cjfa-38808	98	39	period	period	NOUN
cjfa-38808	98	40	1999–2007	1999–2007	NUM
cjfa-38808	98	41	.	.	PUNCT
cjfa-38808	99	1	he	he	PRON
cjfa-38808	99	2	compared	compare	VERB
cjfa-38808	99	3	efficiency	efficiency	NOUN
cjfa-38808	99	4	between	between	ADP
cjfa-38808	99	5	conventional	conventional	ADJ
cjfa-38808	99	6	and	and	CCONJ
cjfa-38808	99	7	islamic	islamic	ADJ
cjfa-38808	99	8	banks	bank	NOUN
cjfa-38808	99	9	and	and	CCONJ
cjfa-38808	99	10	examines	examine	VERB
cjfa-38808	99	11	bank	bank	NOUN
cjfa-38808	99	12	-	-	PUNCT
cjfa-38808	99	13	specific	specific	ADJ
cjfa-38808	99	14	variables	variable	NOUN
cjfa-38808	99	15	that	that	PRON
cjfa-38808	99	16	may	may	AUX
cjfa-38808	99	17	explain	explain	VERB
cjfa-38808	99	18	sources	source	NOUN
cjfa-38808	99	19	of	of	ADP
cjfa-38808	99	20	inefficiency	inefficiency	NOUN
cjfa-38808	99	21	.	.	PUNCT
cjfa-38808	100	1	the	the	DET
cjfa-38808	100	2	results	result	NOUN
cjfa-38808	100	3	indicate	indicate	VERB
cjfa-38808	100	4	that	that	SCONJ
cjfa-38808	100	5	banks	bank	NOUN
cjfa-38808	100	6	in	in	ADP
cjfa-38808	100	7	the	the	DET
cjfa-38808	100	8	gulf	gulf	PROPN
cjfa-38808	100	9	region	region	NOUN
cjfa-38808	100	10	are	be	AUX
cjfa-38808	100	11	relatively	relatively	ADV
cjfa-38808	100	12	more	more	ADV
cjfa-38808	100	13	efficient	efficient	ADJ
cjfa-38808	100	14	at	at	ADP
cjfa-38808	100	15	generating	generate	VERB
cjfa-38808	100	16	profits	profit	NOUN
cjfa-38808	100	17	than	than	ADP
cjfa-38808	100	18	at	at	ADP
cjfa-38808	100	19	controlling	control	VERB
cjfa-38808	100	20	costs	cost	NOUN
cjfa-38808	100	21	.	.	PUNCT
cjfa-38808	101	1	he	he	PRON
cjfa-38808	101	2	concludes	conclude	VERB
cjfa-38808	101	3	that	that	SCONJ
cjfa-38808	101	4	conventional	conventional	ADJ
cjfa-38808	101	5	banks	bank	NOUN
cjfa-38808	101	6	are	be	AUX
cjfa-38808	101	7	on	on	ADP
cjfa-38808	101	8	average	average	ADJ
cjfa-38808	101	9	more	more	ADV
cjfa-38808	101	10	efficient	efficient	ADJ
cjfa-38808	101	11	than	than	ADP
cjfa-38808	101	12	islamic	islamic	ADJ
cjfa-38808	101	13	banks	bank	NOUN
cjfa-38808	101	14	in	in	ADP
cjfa-38808	101	15	terms	term	NOUN
cjfa-38808	101	16	of	of	ADP
cjfa-38808	101	17	cost	cost	NOUN
cjfa-38808	101	18	and	and	CCONJ
cjfa-38808	101	19	profit	profit	NOUN
cjfa-38808	101	20	.	.	PUNCT
cjfa-38808	102	1	srairi	srairi	NOUN
cjfa-38808	102	2	,	,	PUNCT
cjfa-38808	102	3	kouki	kouki	PROPN
cjfa-38808	102	4	and	and	CCONJ
cjfa-38808	102	5	harrathi	harrathi	PROPN
cjfa-38808	102	6	(	(	PUNCT
cjfa-38808	102	7	2012	2012	NUM
cjfa-38808	102	8	)	)	PUNCT
cjfa-38808	102	9	used	use	VERB
cjfa-38808	102	10	the	the	DET
cjfa-38808	102	11	dea	dea	PROPN
cjfa-38808	102	12	method	method	NOUN
cjfa-38808	102	13	to	to	PART
cjfa-38808	102	14	assess	assess	VERB
cjfa-38808	102	15	the	the	DET
cjfa-38808	102	16	efficiency	efficiency	NOUN
cjfa-38808	102	17	of	of	ADP
cjfa-38808	102	18	25	25	NUM
cjfa-38808	102	19	islamic	islamic	ADJ
cjfa-38808	102	20	banks	bank	NOUN
cjfa-38808	102	21	between	between	ADP
cjfa-38808	102	22	2003	2003	NUM
cjfa-38808	102	23	and	and	CCONJ
cjfa-38808	102	24	2009	2009	NUM
cjfa-38808	102	25	.	.	PUNCT
cjfa-38808	103	1	their	their	PRON
cjfa-38808	103	2	results	result	NOUN
cjfa-38808	103	3	show	show	VERB
cjfa-38808	103	4	that	that	SCONJ
cjfa-38808	103	5	efficiency	efficiency	NOUN
cjfa-38808	103	6	measures	measure	NOUN
cjfa-38808	103	7	have	have	AUX
cjfa-38808	103	8	increased	increase	VERB
cjfa-38808	103	9	over	over	ADP
cjfa-38808	103	10	the	the	DET
cjfa-38808	103	11	period	period	NOUN
cjfa-38808	103	12	but	but	CCONJ
cjfa-38808	103	13	remain	remain	VERB
cjfa-38808	103	14	weak	weak	ADJ
cjfa-38808	103	15	compared	compare	VERB
cjfa-38808	103	16	to	to	ADP
cjfa-38808	103	17	conventional	conventional	ADJ
cjfa-38808	103	18	banks	bank	NOUN
cjfa-38808	103	19	,	,	PUNCT
cjfa-38808	103	20	and	and	CCONJ
cjfa-38808	103	21	that	that	SCONJ
cjfa-38808	103	22	the	the	DET
cjfa-38808	103	23	inefficiency	inefficiency	NOUN
cjfa-38808	103	24	of	of	ADP
cjfa-38808	103	25	islamic	islamic	ADJ
cjfa-38808	103	26	banks	bank	NOUN
cjfa-38808	103	27	may	may	AUX
cjfa-38808	103	28	be	be	AUX
cjfa-38808	103	29	due	due	ADJ
cjfa-38808	103	30	to	to	ADP
cjfa-38808	103	31	sheer	sheer	ADJ
cjfa-38808	103	32	technical	technical	ADJ
cjfa-38808	103	33	inefficiency	inefficiency	NOUN
cjfa-38808	103	34	rather	rather	ADV
cjfa-38808	103	35	than	than	ADP
cjfa-38808	103	36	inefficiency	inefficiency	NOUN
cjfa-38808	103	37	.	.	PUNCT
cjfa-38808	104	1	of	of	ADP
cjfa-38808	104	2	scale	scale	NOUN
cjfa-38808	104	3	.	.	PUNCT
cjfa-38808	105	1	they	they	PRON
cjfa-38808	105	2	also	also	ADV
cjfa-38808	105	3	found	find	VERB
cjfa-38808	105	4	that	that	SCONJ
cjfa-38808	105	5	in	in	ADP
cjfa-38808	105	6	terms	term	NOUN
cjfa-38808	105	7	of	of	ADP
cjfa-38808	105	8	overall	overall	ADJ
cjfa-38808	105	9	technical	technical	ADJ
cjfa-38808	105	10	efficiency	efficiency	NOUN
cjfa-38808	105	11	,	,	PUNCT
cjfa-38808	105	12	small	small	ADJ
cjfa-38808	105	13	and	and	CCONJ
cjfa-38808	105	14	large	large	ADJ
cjfa-38808	105	15	banks	bank	NOUN
cjfa-38808	105	16	are	be	AUX
cjfa-38808	105	17	more	more	ADV
cjfa-38808	105	18	efficient	efficient	ADJ
cjfa-38808	105	19	than	than	ADP
cjfa-38808	105	20	medium	medium	ADJ
cjfa-38808	105	21	-	-	PUNCT
cjfa-38808	105	22	sized	sized	ADJ
cjfa-38808	105	23	banks	bank	NOUN
cjfa-38808	105	24	.	.	PUNCT
cjfa-38808	106	1	belanès	belanès	PROPN
cjfa-38808	106	2	,	,	PUNCT
cjfa-38808	106	3	ftiti	ftiti	PROPN
cjfa-38808	106	4	and	and	CCONJ
cjfa-38808	106	5	regaıeg	regaıeg	PROPN
cjfa-38808	106	6	(	(	PUNCT
cjfa-38808	106	7	2015	2015	NUM
cjfa-38808	106	8	)	)	PUNCT
cjfa-38808	106	9	studied	study	VERB
cjfa-38808	106	10	the	the	DET
cjfa-38808	106	11	pure	pure	ADJ
cjfa-38808	106	12	,	,	PUNCT
cjfa-38808	106	13	technical	technical	ADJ
cjfa-38808	106	14	,	,	PUNCT
cjfa-38808	106	15	and	and	CCONJ
cjfa-38808	106	16	scale	scale	NOUN
cjfa-38808	106	17	efficiency	efficiency	NOUN
cjfa-38808	106	18	of	of	ADP
cjfa-38808	106	19	30	30	NUM
cjfa-38808	106	20	islamic	islamic	ADJ
cjfa-38808	106	21	banks	bank	NOUN
cjfa-38808	106	22	for	for	ADP
cjfa-38808	106	23	the	the	DET
cjfa-38808	106	24	period	period	NOUN
cjfa-38808	106	25	2005–2011	2005–2011	NUM
cjfa-38808	106	26	.	.	PUNCT
cjfa-38808	107	1	results	result	NOUN
cjfa-38808	107	2	show	show	VERB
cjfa-38808	107	3	a	a	DET
cjfa-38808	107	4	slight	slight	ADJ
cjfa-38808	107	5	decrease	decrease	NOUN
cjfa-38808	107	6	in	in	ADP
cjfa-38808	107	7	the	the	DET
cjfa-38808	107	8	efficiency	efficiency	NOUN
cjfa-38808	107	9	of	of	ADP
cjfa-38808	107	10	islamic	islamic	ADJ
cjfa-38808	107	11	banks	bank	NOUN
cjfa-38808	107	12	with	with	ADP
cjfa-38808	107	13	a	a	DET
cjfa-38808	107	14	notable	notable	ADJ
cjfa-38808	107	15	drop	drop	NOUN
cjfa-38808	107	16	in	in	ADP
cjfa-38808	107	17	2009	2009	NUM
cjfa-38808	107	18	.	.	PUNCT
cjfa-38808	108	1	aghimien	aghimien	PROPN
cjfa-38808	108	2	,	,	PUNCT
cjfa-38808	108	3	kamarudin	kamarudin	PROPN
cjfa-38808	108	4	,	,	PUNCT
cjfa-38808	108	5	hamid	hamid	PROPN
cjfa-38808	108	6	and	and	CCONJ
cjfa-38808	108	7	noordin	noordin	NOUN
cjfa-38808	108	8	(	(	PUNCT
cjfa-38808	108	9	2016	2016	NUM
cjfa-38808	108	10	)	)	PUNCT
cjfa-38808	108	11	attest	attest	VERB
cjfa-38808	108	12	that	that	SCONJ
cjfa-38808	108	13	the	the	DET
cjfa-38808	108	14	inefficiency	inefficiency	NOUN
cjfa-38808	108	15	of	of	ADP
cjfa-38808	108	16	islamic	islamic	ADJ
cjfa-38808	108	17	banks	bank	NOUN
cjfa-38808	108	18	in	in	ADP
cjfa-38808	108	19	the	the	DET
cjfa-38808	108	20	gcc	gcc	NOUN
cjfa-38808	108	21	country	country	NOUN
cjfa-38808	108	22	is	be	AUX
cjfa-38808	108	23	due	due	ADJ
cjfa-38808	108	24	to	to	ADP
cjfa-38808	108	25	inefficient	inefficient	ADJ
cjfa-38808	108	26	management	management	NOUN
cjfa-38808	108	27	in	in	ADP
cjfa-38808	108	28	the	the	DET
cjfa-38808	108	29	use	use	NOUN
cjfa-38808	108	30	of	of	ADP
cjfa-38808	108	31	resources	resource	NOUN
cjfa-38808	108	32	.	.	PUNCT
cjfa-38808	109	1	miah	miah	PROPN
cjfa-38808	109	2	and	and	CCONJ
cjfa-38808	109	3	uddin	uddin	PROPN
cjfa-38808	109	4	(	(	PUNCT
cjfa-38808	109	5	2017	2017	NUM
cjfa-38808	109	6	)	)	PUNCT
cjfa-38808	109	7	examined	examine	VERB
cjfa-38808	109	8	the	the	DET
cjfa-38808	109	9	differences	difference	NOUN
cjfa-38808	109	10	between	between	ADP
cjfa-38808	109	11	islamic	islamic	ADJ
cjfa-38808	109	12	and	and	CCONJ
cjfa-38808	109	13	conventional	conventional	ADJ
cjfa-38808	109	14	banks	bank	NOUN
cjfa-38808	109	15	in	in	ADP
cjfa-38808	109	16	terms	term	NOUN
cjfa-38808	109	17	of	of	ADP
cjfa-38808	109	18	commercial	commercial	ADJ
cjfa-38808	109	19	orientation	orientation	NOUN
cjfa-38808	109	20	,	,	PUNCT
cjfa-38808	109	21	stability	stability	NOUN
cjfa-38808	109	22	,	,	PUNCT
cjfa-38808	109	23	and	and	CCONJ
cjfa-38808	109	24	efficiency	efficiency	NOUN
cjfa-38808	109	25	based	base	VERB
cjfa-38808	109	26	on	on	ADP
cjfa-38808	109	27	a	a	DET
cjfa-38808	109	28	sample	sample	NOUN
cjfa-38808	109	29	of	of	ADP
cjfa-38808	109	30	48	48	NUM
cjfa-38808	109	31	conventional	conventional	ADJ
cjfa-38808	109	32	and	and	CCONJ
cjfa-38808	109	33	28	28	NUM
cjfa-38808	109	34	islamic	islamic	ADJ
cjfa-38808	109	35	banks	bank	NOUN
cjfa-38808	109	36	for	for	ADP
cjfa-38808	109	37	the	the	DET
cjfa-38808	109	38	period	period	NOUN
cjfa-38808	109	39	2005–2014	2005–2014	NUM
cjfa-38808	109	40	.	.	PUNCT
cjfa-38808	110	1	their	their	PRON
cjfa-38808	110	2	results	result	NOUN
cjfa-38808	110	3	from	from	ADP
cjfa-38808	110	4	the	the	DET
cjfa-38808	110	5	stochastic	stochastic	ADJ
cjfa-38808	110	6	frontier	frontier	NOUN
cjfa-38808	110	7	analysis	analysis	NOUN
cjfa-38808	110	8	(	(	PUNCT
cjfa-38808	110	9	sfa	sfa	NOUN
cjfa-38808	110	10	)	)	PUNCT
cjfa-38808	110	11	show	show	VERB
cjfa-38808	110	12	that	that	SCONJ
cjfa-38808	110	13	conventional	conventional	ADJ
cjfa-38808	110	14	banks	bank	NOUN
cjfa-38808	110	15	are	be	AUX
cjfa-38808	110	16	more	more	ADV
cjfa-38808	110	17	efficient	efficient	ADJ
cjfa-38808	110	18	in	in	ADP
cjfa-38808	110	19	terms	term	NOUN
cjfa-38808	110	20	of	of	ADP
cjfa-38808	110	21	cost	cost	NOUN
cjfa-38808	110	22	management	management	NOUN
cjfa-38808	110	23	than	than	ADP
cjfa-38808	110	24	their	their	PRON
cjfa-38808	110	25	islamic	islamic	ADJ
cjfa-38808	110	26	counterparts	counterpart	NOUN
cjfa-38808	110	27	.	.	PUNCT
cjfa-38808	111	1	according	accord	VERB
cjfa-38808	111	2	to	to	ADP
cjfa-38808	111	3	several	several	ADJ
cjfa-38808	111	4	previous	previous	ADJ
cjfa-38808	111	5	studies	study	NOUN
cjfa-38808	111	6	,	,	PUNCT
cjfa-38808	111	7	islamic	islamic	ADJ
cjfa-38808	111	8	banks	bank	NOUN
cjfa-38808	111	9	do	do	AUX
cjfa-38808	111	10	not	not	PART
cjfa-38808	111	11	benefit	benefit	VERB
cjfa-38808	111	12	from	from	ADP
cjfa-38808	111	13	an	an	DET
cjfa-38808	111	14	economy	economy	NOUN
cjfa-38808	111	15	of	of	ADP
cjfa-38808	111	16	scale	scale	NOUN
cjfa-38808	111	17	due	due	ADP
cjfa-38808	111	18	to	to	ADP
cjfa-38808	111	19	the	the	DET
cjfa-38808	111	20	small	small	ADJ
cjfa-38808	111	21	size	size	NOUN
cjfa-38808	111	22	of	of	ADP
cjfa-38808	111	23	their	their	PRON
cjfa-38808	111	24	assets	asset	NOUN
cjfa-38808	111	25	compared	compare	VERB
cjfa-38808	111	26	to	to	ADP
cjfa-38808	111	27	conventional	conventional	ADJ
cjfa-38808	111	28	banks	bank	NOUN
cjfa-38808	111	29	and	and	CCONJ
cjfa-38808	111	30	therefore	therefore	ADV
cjfa-38808	111	31	they	they	PRON
cjfa-38808	111	32	are	be	AUX
cjfa-38808	111	33	not	not	PART
cjfa-38808	111	34	yet	yet	ADV
cjfa-38808	111	35	ready	ready	ADJ
cjfa-38808	111	36	to	to	PART
cjfa-38808	111	37	compete	compete	VERB
cjfa-38808	111	38	with	with	ADP
cjfa-38808	111	39	them	they	PRON
cjfa-38808	111	40	(	(	PUNCT
cjfa-38808	111	41	srairi	srairi	NOUN
cjfa-38808	111	42	,	,	PUNCT
cjfa-38808	111	43	2010	2010	NUM
cjfa-38808	111	44	)	)	PUNCT
cjfa-38808	111	45	.	.	PUNCT
cjfa-38808	112	1	in	in	ADP
cjfa-38808	112	2	the	the	DET
cjfa-38808	112	3	same	same	ADJ
cjfa-38808	112	4	framework	framework	NOUN
cjfa-38808	112	5	,	,	PUNCT
cjfa-38808	112	6	islamic	islamic	ADJ
cjfa-38808	112	7	banks	bank	NOUN
cjfa-38808	112	8	are	be	AUX
cjfa-38808	112	9	still	still	ADV
cjfa-38808	112	10	young	young	ADJ
cjfa-38808	112	11	and	and	CCONJ
cjfa-38808	112	12	do	do	AUX
cjfa-38808	112	13	not	not	PART
cjfa-38808	112	14	have	have	VERB
cjfa-38808	112	15	enough	enough	ADJ
cjfa-38808	112	16	customers	customer	NOUN
cjfa-38808	112	17	to	to	PART
cjfa-38808	112	18	achieve	achieve	VERB
cjfa-38808	112	19	economies	economy	NOUN
cjfa-38808	112	20	of	of	ADP
cjfa-38808	112	21	scale	scale	NOUN
cjfa-38808	112	22	and	and	CCONJ
cjfa-38808	112	23	,	,	PUNCT
cjfa-38808	112	24	therefore	therefore	ADV
cjfa-38808	112	25	,	,	PUNCT
cjfa-38808	112	26	are	be	AUX
cjfa-38808	112	27	less	less	ADV
cjfa-38808	112	28	efficient	efficient	ADJ
cjfa-38808	112	29	than	than	ADP
cjfa-38808	112	30	conventional	conventional	ADJ
cjfa-38808	112	31	banks	bank	NOUN
cjfa-38808	112	32	.	.	PUNCT
cjfa-38808	113	1	kamarudin	kamarudin	VERB
cjfa-38808	113	2	et	et	PROPN
cjfa-38808	113	3	al	al	PROPN
cjfa-38808	113	4	.	.	PROPN
cjfa-38808	114	1	(	(	PUNCT
cjfa-38808	114	2	2008	2008	NUM
cjfa-38808	114	3	)	)	PUNCT
cjfa-38808	114	4	show	show	VERB
cjfa-38808	114	5	that	that	SCONJ
cjfa-38808	114	6	the	the	DET
cjfa-38808	114	7	cost	cost	NOUN
cjfa-38808	114	8	of	of	ADP
cjfa-38808	114	9	funds	fund	NOUN
cjfa-38808	114	10	and	and	CCONJ
cjfa-38808	114	11	labor	labor	NOUN
cjfa-38808	114	12	in	in	ADP
cjfa-38808	114	13	islamic	islamic	ADJ
cjfa-38808	114	14	banks	bank	NOUN
cjfa-38808	114	15	is	be	AUX
cjfa-38808	114	16	higher	high	ADJ
cjfa-38808	114	17	than	than	ADP
cjfa-38808	114	18	in	in	ADP
cjfa-38808	114	19	conventional	conventional	ADJ
cjfa-38808	114	20	banks	bank	NOUN
cjfa-38808	114	21	.	.	PUNCT
cjfa-38808	115	1	hassan	hassan	PROPN
cjfa-38808	115	2	(	(	PUNCT
cjfa-38808	115	3	2006	2006	NUM
cjfa-38808	115	4	)	)	PUNCT
cjfa-38808	115	5	assumes	assume	VERB
cjfa-38808	115	6	that	that	SCONJ
cjfa-38808	115	7	islamic	islamic	ADJ
cjfa-38808	115	8	banks	bank	NOUN
cjfa-38808	115	9	operate	operate	VERB
cjfa-38808	115	10	in	in	ADP
cjfa-38808	115	11	a	a	DET
cjfa-38808	115	12	global	global	ADJ
cjfa-38808	115	13	regulatory	regulatory	ADJ
cjfa-38808	115	14	environment	environment	NOUN
cjfa-38808	115	15	that	that	PRON
cjfa-38808	115	16	is	be	AUX
cjfa-38808	115	17	unfavorable	unfavorable	ADJ
cjfa-38808	115	18	to	to	ADP
cjfa-38808	115	19	their	their	PRON
cjfa-38808	115	20	operations	operation	NOUN
cjfa-38808	115	21	and	and	CCONJ
cjfa-38808	115	22	is	be	AUX
cjfa-38808	115	23	characterized	characterize	VERB
cjfa-38808	115	24	by	by	ADP
cjfa-38808	115	25	the	the	DET
cjfa-38808	115	26	complexity	complexity	NOUN
cjfa-38808	115	27	of	of	ADP
cjfa-38808	115	28	the	the	DET
cjfa-38808	115	29	contracts	contract	NOUN
cjfa-38808	115	30	used	use	VERB
cjfa-38808	115	31	.	.	PUNCT
cjfa-38808	116	1	all	all	DET
cjfa-38808	116	2	these	these	DET
cjfa-38808	116	3	arguments	argument	NOUN
cjfa-38808	116	4	lead	lead	VERB
cjfa-38808	116	5	us	we	PRON
cjfa-38808	116	6	to	to	PART
cjfa-38808	116	7	propose	propose	VERB
cjfa-38808	116	8	the	the	DET
cjfa-38808	116	9	following	follow	VERB
cjfa-38808	116	10	hypothesis	hypothesis	NOUN
cjfa-38808	116	11	:	:	PUNCT
cjfa-38808	116	12	h1	h1	PROPN
cjfa-38808	116	13	:	:	PUNCT
cjfa-38808	116	14	conventional	conventional	ADJ
cjfa-38808	116	15	banks	bank	NOUN
cjfa-38808	116	16	are	be	AUX
cjfa-38808	116	17	more	more	ADV
cjfa-38808	116	18	efficient	efficient	ADJ
cjfa-38808	116	19	than	than	ADP
cjfa-38808	116	20	islamic	islamic	ADJ
cjfa-38808	116	21	banks	bank	NOUN
cjfa-38808	116	22	.	.	PUNCT
cjfa-38808	117	1	r.	r.	PROPN
cjfa-38808	117	2	b.	b.	PROPN
cjfa-38808	117	3	slimen	slimen	PROPN
cjfa-38808	117	4	,	,	PUNCT
cjfa-38808	117	5	f.	f.	PROPN
cjfa-38808	117	6	belhaj	belhaj	PROPN
cjfa-38808	117	7	,	,	PUNCT
cjfa-38808	117	8	m.	m.	NOUN
cjfa-38808	117	9	hadriche	hadriche	NOUN
cjfa-38808	117	10	,	,	PUNCT
cjfa-38808	117	11	m.	m.	NOUN
cjfa-38808	117	12	ghroubi96	ghroubi96	NOUN
cjfa-38808	117	13	data	datum	NOUN
cjfa-38808	117	14	and	and	CCONJ
cjfa-38808	117	15	methodology	methodology	NOUN
cjfa-38808	117	16	our	our	PRON
cjfa-38808	117	17	empirical	empirical	ADJ
cjfa-38808	117	18	study	study	NOUN
cjfa-38808	117	19	is	be	AUX
cjfa-38808	117	20	based	base	VERB
cjfa-38808	117	21	on	on	ADP
cjfa-38808	117	22	annual	annual	ADJ
cjfa-38808	117	23	data	datum	NOUN
cjfa-38808	117	24	,	,	PUNCT
cjfa-38808	117	25	for	for	ADP
cjfa-38808	117	26	a	a	DET
cjfa-38808	117	27	10	10	NUM
cjfa-38808	117	28	-	-	PUNCT
cjfa-38808	117	29	year	year	NOUN
cjfa-38808	117	30	period	period	NOUN
cjfa-38808	117	31	(	(	PUNCT
cjfa-38808	117	32	2006–2015	2006–2015	NUM
cjfa-38808	117	33	)	)	PUNCT
cjfa-38808	117	34	,	,	PUNCT
cjfa-38808	117	35	of	of	ADP
cjfa-38808	117	36	99	99	NUM
cjfa-38808	117	37	commercial	commercial	ADJ
cjfa-38808	117	38	banks	bank	NOUN
cjfa-38808	117	39	operating	operate	VERB
cjfa-38808	117	40	in	in	ADP
cjfa-38808	117	41	6	6	NUM
cjfa-38808	117	42	countries	country	NOUN
cjfa-38808	117	43	of	of	ADP
cjfa-38808	117	44	the	the	DET
cjfa-38808	117	45	gulf	gulf	PROPN
cjfa-38808	117	46	cooperation	cooperation	PROPN
cjfa-38808	117	47	council	council	PROPN
cjfa-38808	117	48	region	region	NOUN
cjfa-38808	117	49	(	(	PUNCT
cjfa-38808	117	50	saudi	saudi	PROPN
cjfa-38808	117	51	arabia	arabia	PROPN
cjfa-38808	117	52	,	,	PUNCT
cjfa-38808	117	53	united	united	PROPN
cjfa-38808	117	54	arab	arab	PROPN
cjfa-38808	117	55	emirates	emirates	PROPN
cjfa-38808	117	56	,	,	PUNCT
cjfa-38808	117	57	oman	oman	PROPN
cjfa-38808	117	58	,	,	PUNCT
cjfa-38808	117	59	qatar	qatar	PROPN
cjfa-38808	117	60	,	,	PUNCT
cjfa-38808	117	61	kuwait	kuwait	PROPN
cjfa-38808	117	62	,	,	PUNCT
cjfa-38808	117	63	and	and	CCONJ
cjfa-38808	117	64	bahrain	bahrain	NOUN
cjfa-38808	117	65	)	)	PUNCT
cjfa-38808	117	66	.	.	PUNCT
cjfa-38808	118	1	the	the	DET
cjfa-38808	118	2	sample	sample	NOUN
cjfa-38808	118	3	consists	consist	VERB
cjfa-38808	118	4	of	of	ADP
cjfa-38808	118	5	51	51	NUM
cjfa-38808	118	6	conventional	conventional	ADJ
cjfa-38808	118	7	banks	bank	NOUN
cjfa-38808	118	8	and	and	CCONJ
cjfa-38808	118	9	48	48	NUM
cjfa-38808	118	10	islamic	islamic	ADJ
cjfa-38808	118	11	banks	bank	NOUN
cjfa-38808	118	12	.	.	PUNCT
cjfa-38808	119	1	the	the	DET
cjfa-38808	119	2	total	total	ADJ
cjfa-38808	119	3	number	number	NOUN
cjfa-38808	119	4	of	of	ADP
cjfa-38808	119	5	observations	observation	NOUN
cjfa-38808	119	6	is	be	AUX
cjfa-38808	119	7	990	990	NUM
cjfa-38808	119	8	.	.	PUNCT
cjfa-38808	120	1	the	the	DET
cjfa-38808	120	2	data	datum	NOUN
cjfa-38808	120	3	are	be	AUX
cjfa-38808	120	4	extracted	extract	VERB
cjfa-38808	120	5	from	from	ADP
cjfa-38808	120	6	the	the	DET
cjfa-38808	120	7	bankscope	bankscope	NOUN
cjfa-38808	120	8	database	database	NOUN
cjfa-38808	120	9	with	with	ADP
cjfa-38808	120	10	an	an	DET
cjfa-38808	120	11	annual	annual	ADJ
cjfa-38808	120	12	frequency	frequency	NOUN
cjfa-38808	120	13	and	and	CCONJ
cjfa-38808	120	14	are	be	AUX
cjfa-38808	120	15	expressed	express	VERB
cjfa-38808	120	16	in	in	ADP
cjfa-38808	120	17	millions	million	NOUN
cjfa-38808	120	18	of	of	ADP
cjfa-38808	120	19	us	us	PROPN
cjfa-38808	120	20	dollars	dollar	NOUN
cjfa-38808	120	21	.	.	PUNCT
cjfa-38808	121	1	the	the	DET
cjfa-38808	121	2	distribution	distribution	NOUN
cjfa-38808	121	3	of	of	ADP
cjfa-38808	121	4	the	the	DET
cjfa-38808	121	5	banks	bank	NOUN
cjfa-38808	121	6	in	in	ADP
cjfa-38808	121	7	the	the	DET
cjfa-38808	121	8	study	study	NOUN
cjfa-38808	121	9	sample	sample	NOUN
cjfa-38808	121	10	by	by	ADP
cjfa-38808	121	11	country	country	NOUN
cjfa-38808	121	12	and	and	CCONJ
cjfa-38808	121	13	by	by	ADP
cjfa-38808	121	14	nature	nature	NOUN
cjfa-38808	121	15	is	be	AUX
cjfa-38808	121	16	given	give	VERB
cjfa-38808	121	17	in	in	ADP
cjfa-38808	121	18	table	table	NOUN
cjfa-38808	121	19	1	1	NUM
cjfa-38808	121	20	.	.	PUNCT
cjfa-38808	121	21	table	table	NOUN
cjfa-38808	121	22	1	1	NUM
cjfa-38808	121	23	.	.	PUNCT
cjfa-38808	122	1	samples	sample	NOUN
cjfa-38808	122	2	by	by	ADP
cjfa-38808	122	3	country	country	NOUN
cjfa-38808	122	4	country	country	NOUN
cjfa-38808	122	5	banks	bank	NOUN
cjfa-38808	122	6	all	all	DET
cjfa-38808	122	7	banks	bank	NOUN
cjfa-38808	122	8	islamic	islamic	ADJ
cjfa-38808	122	9	banks	bank	NOUN
cjfa-38808	122	10	conventional	conventional	ADJ
cjfa-38808	122	11	banks	bank	NOUN
cjfa-38808	122	12	saudi	saudi	PROPN
cjfa-38808	122	13	arabia	arabia	PROPN
cjfa-38808	122	14	13	13	NUM
cjfa-38808	122	15	5	5	NUM
cjfa-38808	122	16	8	8	NUM
cjfa-38808	122	17	kuwait	kuwait	NOUN
cjfa-38808	122	18	15	15	NUM
cjfa-38808	122	19	10	10	NUM
cjfa-38808	122	20	5	5	NUM
cjfa-38808	122	21	oman	oman	NOUN
cjfa-38808	122	22	8	8	NUM
cjfa-38808	122	23	2	2	NUM
cjfa-38808	122	24	6	6	NUM
cjfa-38808	122	25	qatar	qatar	NOUN
cjfa-38808	122	26	9	9	NUM
cjfa-38808	122	27	4	4	NUM
cjfa-38808	122	28	5	5	NUM
cjfa-38808	122	29	united	united	PROPN
cjfa-38808	122	30	arab	arab	PROPN
cjfa-38808	122	31	emirates	emirates	PROPN
cjfa-38808	122	32	24	24	NUM
cjfa-38808	122	33	8	8	NUM
cjfa-38808	122	34	16	16	NUM
cjfa-38808	122	35	bahraïn	bahraïn	NOUN
cjfa-38808	122	36	30	30	NUM
cjfa-38808	122	37	19	19	NUM
cjfa-38808	122	38	11	11	NUM
cjfa-38808	122	39	total	total	NOUN
cjfa-38808	122	40	99	99	NUM
cjfa-38808	122	41	48	48	NUM
cjfa-38808	122	42	51	51	NUM
cjfa-38808	122	43	s	s	NOUN
cjfa-38808	122	44	o	o	NOUN
cjfa-38808	122	45	u	u	NOUN
cjfa-38808	122	46	r	r	NOUN
cjfa-38808	122	47	c	c	NOUN
cjfa-38808	122	48	e	e	NOUN
cjfa-38808	122	49	:	:	PUNCT
cjfa-38808	122	50	own	own	ADJ
cjfa-38808	122	51	elaboration	elaboration	NOUN
cjfa-38808	122	52	.	.	PUNCT
cjfa-38808	123	1	in	in	ADP
cjfa-38808	123	2	this	this	DET
cjfa-38808	123	3	study	study	NOUN
cjfa-38808	123	4	,	,	PUNCT
cjfa-38808	123	5	the	the	DET
cjfa-38808	123	6	relationship	relationship	NOUN
cjfa-38808	123	7	between	between	ADP
cjfa-38808	123	8	islamic	islamic	ADJ
cjfa-38808	123	9	finance	finance	NOUN
cjfa-38808	123	10	and	and	CCONJ
cjfa-38808	123	11	cost	cost	NOUN
cjfa-38808	123	12	efficiency	efficiency	NOUN
cjfa-38808	123	13	is	be	AUX
cjfa-38808	123	14	examined	examine	VERB
cjfa-38808	123	15	.	.	PUNCT
cjfa-38808	124	1	in	in	ADP
cjfa-38808	124	2	fact	fact	NOUN
cjfa-38808	124	3	,	,	PUNCT
cjfa-38808	124	4	cost	cost	NOUN
cjfa-38808	124	5	efficiency	efficiency	NOUN
cjfa-38808	124	6	takes	take	VERB
cjfa-38808	124	7	into	into	ADP
cjfa-38808	124	8	consideration	consideration	NOUN
cjfa-38808	124	9	the	the	DET
cjfa-38808	124	10	pricing	pricing	NOUN
cjfa-38808	124	11	of	of	ADP
cjfa-38808	124	12	inputs	input	NOUN
cjfa-38808	124	13	.	.	PUNCT
cjfa-38808	125	1	it	it	PRON
cjfa-38808	125	2	is	be	AUX
cjfa-38808	125	3	a	a	DET
cjfa-38808	125	4	concept	concept	NOUN
cjfa-38808	125	5	that	that	PRON
cjfa-38808	125	6	compares	compare	VERB
cjfa-38808	125	7	the	the	DET
cjfa-38808	125	8	costs	cost	NOUN
cjfa-38808	125	9	of	of	ADP
cjfa-38808	125	10	one	one	NUM
cjfa-38808	125	11	bank	bank	NOUN
cjfa-38808	125	12	to	to	ADP
cjfa-38808	125	13	the	the	DET
cjfa-38808	125	14	costs	cost	NOUN
cjfa-38808	125	15	of	of	ADP
cjfa-38808	125	16	another	another	DET
cjfa-38808	125	17	best	good	ADJ
cjfa-38808	125	18	practice	practice	NOUN
cjfa-38808	125	19	bank	bank	NOUN
cjfa-38808	125	20	with	with	ADP
cjfa-38808	125	21	the	the	DET
cjfa-38808	125	22	objective	objective	NOUN
cjfa-38808	125	23	of	of	ADP
cjfa-38808	125	24	producing	produce	VERB
cjfa-38808	125	25	the	the	DET
cjfa-38808	125	26	same	same	ADJ
cjfa-38808	125	27	level	level	NOUN
cjfa-38808	125	28	of	of	ADP
cjfa-38808	125	29	return	return	NOUN
cjfa-38808	125	30	under	under	ADP
cjfa-38808	125	31	the	the	DET
cjfa-38808	125	32	same	same	ADJ
cjfa-38808	125	33	conditions	condition	NOUN
cjfa-38808	125	34	.	.	PUNCT
cjfa-38808	126	1	banking	banking	NOUN
cjfa-38808	126	2	efficiency	efficiency	NOUN
cjfa-38808	126	3	has	have	AUX
cjfa-38808	126	4	been	be	AUX
cjfa-38808	126	5	measured	measure	VERB
cjfa-38808	126	6	in	in	ADP
cjfa-38808	126	7	most	most	ADJ
cjfa-38808	126	8	previous	previous	ADJ
cjfa-38808	126	9	studies	study	NOUN
cjfa-38808	126	10	either	either	CCONJ
cjfa-38808	126	11	by	by	ADP
cjfa-38808	126	12	the	the	DET
cjfa-38808	126	13	cost	cost	NOUN
cjfa-38808	126	14	/	/	SYM
cjfa-38808	126	15	income	income	NOUN
cjfa-38808	126	16	ratio	ratio	NOUN
cjfa-38808	126	17	or	or	CCONJ
cjfa-38808	126	18	by	by	ADP
cjfa-38808	126	19	an	an	DET
cjfa-38808	126	20	efficiency	efficiency	NOUN
cjfa-38808	126	21	score	score	NOUN
cjfa-38808	126	22	calculated	calculate	VERB
cjfa-38808	126	23	using	use	VERB
cjfa-38808	126	24	either	either	CCONJ
cjfa-38808	126	25	the	the	DET
cjfa-38808	126	26	parametric	parametric	ADJ
cjfa-38808	126	27	or	or	CCONJ
cjfa-38808	126	28	non	non	ADJ
cjfa-38808	126	29	-	-	ADJ
cjfa-38808	126	30	parametric	parametric	ADJ
cjfa-38808	126	31	approach	approach	NOUN
cjfa-38808	126	32	.	.	PUNCT
cjfa-38808	127	1	in	in	ADP
cjfa-38808	127	2	this	this	DET
cjfa-38808	127	3	study	study	NOUN
cjfa-38808	127	4	,	,	PUNCT
cjfa-38808	127	5	two	two	NUM
cjfa-38808	127	6	measures	measure	NOUN
cjfa-38808	127	7	of	of	ADP
cjfa-38808	127	8	the	the	DET
cjfa-38808	127	9	efficiency	efficiency	NOUN
cjfa-38808	127	10	of	of	ADP
cjfa-38808	127	11	islamic	islamic	ADJ
cjfa-38808	127	12	and	and	CCONJ
cjfa-38808	127	13	conventional	conventional	ADJ
cjfa-38808	127	14	banks	bank	NOUN
cjfa-38808	127	15	are	be	AUX
cjfa-38808	127	16	used	use	VERB
cjfa-38808	127	17	,	,	PUNCT
cjfa-38808	127	18	namely	namely	ADV
cjfa-38808	127	19	the	the	DET
cjfa-38808	127	20	cost	cost	NOUN
cjfa-38808	127	21	-	-	PUNCT
cjfa-38808	127	22	to	to	ADP
cjfa-38808	127	23	-	-	PUNCT
cjfa-38808	127	24	income	income	NOUN
cjfa-38808	127	25	ratio	ratio	NOUN
cjfa-38808	127	26	(	(	PUNCT
cjfa-38808	127	27	cir	cir	NOUN
cjfa-38808	127	28	)	)	PUNCT
cjfa-38808	127	29	and	and	CCONJ
cjfa-38808	127	30	the	the	DET
cjfa-38808	127	31	efficiency	efficiency	NOUN
cjfa-38808	127	32	score	score	NOUN
cjfa-38808	127	33	calculated	calculate	VERB
cjfa-38808	127	34	according	accord	VERB
cjfa-38808	127	35	to	to	ADP
cjfa-38808	127	36	the	the	DET
cjfa-38808	127	37	parametric	parametric	PROPN
cjfa-38808	127	38	ap	ap	PROPN
cjfa-38808	127	39	banking	banking	NOUN
cjfa-38808	127	40	efficiency	efficiency	NOUN
cjfa-38808	127	41	:	:	PUNCT
cjfa-38808	127	42	a	a	DET
cjfa-38808	127	43	comparative	comparative	ADJ
cjfa-38808	127	44	study	study	NOUN
cjfa-38808	127	45	…	…	PUNCT
cjfa-38808	127	46	97	97	NUM
cjfa-38808	127	47	proach	proach	NOUN
cjfa-38808	127	48	of	of	ADP
cjfa-38808	127	49	stochastic	stochastic	ADJ
cjfa-38808	127	50	frontier	frontier	NOUN
cjfa-38808	127	51	analysis	analysis	NOUN
cjfa-38808	127	52	(	(	PUNCT
cjfa-38808	127	53	sfa	sfa	PROPN
cjfa-38808	127	54	)	)	PUNCT
cjfa-38808	127	55	(	(	PUNCT
cjfa-38808	127	56	horrace	horrace	NOUN
cjfa-38808	127	57	&	&	CCONJ
cjfa-38808	127	58	wright	wright	PROPN
cjfa-38808	127	59	,	,	PUNCT
cjfa-38808	127	60	2020	2020	NUM
cjfa-38808	127	61	;	;	PUNCT
cjfa-38808	127	62	octrina	octrina	PROPN
cjfa-38808	127	63	&	&	CCONJ
cjfa-38808	127	64	mariam	mariam	PROPN
cjfa-38808	127	65	,	,	PUNCT
cjfa-38808	127	66	2021	2021	NUM
cjfa-38808	127	67	)	)	PUNCT
cjfa-38808	127	68	.	.	PUNCT
cjfa-38808	128	1	the	the	DET
cjfa-38808	128	2	cost	cost	NOUN
cjfa-38808	128	3	-	-	PUNCT
cjfa-38808	128	4	to	to	ADP
cjfa-38808	128	5	-	-	PUNCT
cjfa-38808	128	6	income	income	NOUN
cjfa-38808	128	7	ratio	ratio	NOUN
cjfa-38808	128	8	(	(	PUNCT
cjfa-38808	128	9	cir	cir	NOUN
cjfa-38808	128	10	)	)	PUNCT
cjfa-38808	128	11	is	be	AUX
cjfa-38808	128	12	expressed	express	VERB
cjfa-38808	128	13	as	as	ADP
cjfa-38808	128	14	the	the	DET
cjfa-38808	128	15	ratio	ratio	NOUN
cjfa-38808	128	16	between	between	ADP
cjfa-38808	128	17	the	the	DET
cjfa-38808	128	18	total	total	ADJ
cjfa-38808	128	19	cost	cost	NOUN
cjfa-38808	128	20	incurred	incur	VERB
cjfa-38808	128	21	by	by	ADP
cjfa-38808	128	22	a	a	DET
cjfa-38808	128	23	bank	bank	NOUN
cjfa-38808	128	24	and	and	CCONJ
cjfa-38808	128	25	its	its	PRON
cjfa-38808	128	26	revenue	revenue	NOUN
cjfa-38808	128	27	.	.	PUNCT
cjfa-38808	129	1	the	the	DET
cjfa-38808	129	2	efficiency	efficiency	NOUN
cjfa-38808	129	3	score	score	NOUN
cjfa-38808	129	4	as	as	SCONJ
cjfa-38808	129	5	defined	define	VERB
cjfa-38808	129	6	by	by	ADP
cjfa-38808	129	7	the	the	DET
cjfa-38808	129	8	stochastic	stochastic	ADJ
cjfa-38808	129	9	frontier	frontier	NOUN
cjfa-38808	129	10	analysis	analysis	NOUN
cjfa-38808	129	11	(	(	PUNCT
cjfa-38808	129	12	sfa	sfa	NOUN
cjfa-38808	129	13	)	)	PUNCT
cjfa-38808	129	14	is	be	AUX
cjfa-38808	129	15	calculated	calculate	VERB
cjfa-38808	129	16	,	,	PUNCT
cjfa-38808	129	17	for	for	ADP
cjfa-38808	129	18	each	each	DET
cjfa-38808	129	19	bank	bank	NOUN
cjfa-38808	129	20	,	,	PUNCT
cjfa-38808	129	21	based	base	VERB
cjfa-38808	129	22	on	on	ADP
cjfa-38808	129	23	the	the	DET
cjfa-38808	129	24	translog	translog	NOUN
cjfa-38808	129	25	function	function	NOUN
cjfa-38808	129	26	described	describe	VERB
cjfa-38808	129	27	by	by	ADP
cjfa-38808	129	28	the	the	DET
cjfa-38808	129	29	equation	equation	NOUN
cjfa-38808	129	30	(	(	PUNCT
cjfa-38808	129	31	1	1	NUM
cjfa-38808	129	32	):	):	PUNCT
cjfa-38808	129	33	�	�	PROPN
cjfa-38808	129	34	𝑙𝑙	𝑙𝑙	SYM
cjfa-38808	129	35	�	�	PROPN
cjfa-38808	129	36	�	�	PROPN
cjfa-38808	129	37	�	�	PROPN
cjfa-38808	129	38	�	�	PROPN
cjfa-38808	129	39	+	+	CCONJ
cjfa-38808	129	40	�	�	PROPN
cjfa-38808	129	41	�	�	PROPN
cjfa-38808	129	42	�	�	PROPN
cjfa-38808	129	43	𝑙𝑙𝑙𝑙	𝑙𝑙𝑙𝑙	PROPN
cjfa-38808	129	44	𝑙𝑙	𝑙𝑙	PROPN
cjfa-38808	129	45	�	�	PROPN
cjfa-38808	129	46	�	�	PROPN
cjfa-38808	129	47	+	+	CCONJ
cjfa-38808	129	48	�	�	PROPN
cjfa-38808	129	49	�	�	PROPN
cjfa-38808	129	50	�	�	PROPN
cjfa-38808	129	51	𝑙𝑙𝑙𝑙	𝑙𝑙𝑙𝑙	PROPN
cjfa-38808	129	52	𝑙𝑙	𝑙𝑙	PROPN
cjfa-38808	129	53	�	�	PROPN
cjfa-38808	129	54	�	�	PROPN
cjfa-38808	129	55	�	�	PROPN
cjfa-38808	130	1	+	+	CCONJ
cjfa-38808	130	2	1	1	NUM
cjfa-38808	130	3	2	2	NUM
cjfa-38808	130	4	�	�	PROPN
cjfa-38808	130	5	�	�	PROPN
cjfa-38808	130	6	�	�	PROPN
cjfa-38808	130	7	�	�	PROPN
cjfa-38808	130	8	�	�	PROPN
cjfa-38808	130	9	�	�	PROPN
cjfa-38808	130	10	�	�	PROPN
cjfa-38808	130	11	�	�	PROPN
cjfa-38808	130	12	�	�	PROPN
cjfa-38808	130	13	�	�	PROPN
cjfa-38808	130	14	�	�	PROPN
cjfa-38808	130	15	�	�	PROPN
cjfa-38808	130	16	�	�	PROPN
cjfa-38808	130	17	𝑙𝑙𝑙𝑙	𝑙𝑙𝑙𝑙	PROPN
cjfa-38808	130	18	𝑙𝑙	𝑙𝑙	PROPN
cjfa-38808	130	19	�	�	PROPN
cjfa-38808	130	20	�	�	PROPN
cjfa-38808	130	21	�	�	PROPN
cjfa-38808	131	1	+	+	CCONJ
cjfa-38808	131	2	1	1	NUM
cjfa-38808	131	3	2	2	NUM
cjfa-38808	131	4	�	�	PROPN
cjfa-38808	131	5	�	�	PROPN
cjfa-38808	131	6	�	�	PROPN
cjfa-38808	131	7	�	�	PROPN
cjfa-38808	131	8	�	�	PROPN
cjfa-38808	131	9	�	�	PROPN
cjfa-38808	131	10	�	�	PROPN
cjfa-38808	131	11	�	�	PROPN
cjfa-38808	131	12	�	�	PROPN
cjfa-38808	131	13	�	�	PROPN
cjfa-38808	131	14	�	�	PROPN
cjfa-38808	131	15	�	�	PROPN
cjfa-38808	131	16	�	�	PROPN
cjfa-38808	131	17	𝑙𝑙𝑙𝑙	𝑙𝑙𝑙𝑙	PROPN
cjfa-38808	131	18	𝑙𝑙	𝑙𝑙	PROPN
cjfa-38808	131	19	�	�	PROPN
cjfa-38808	131	20	�	�	PROPN
cjfa-38808	131	21	�	�	PROPN
cjfa-38808	131	22	�	�	PROPN
cjfa-38808	131	23	�	�	PROPN
cjfa-38808	131	24	�	�	PROPN
cjfa-38808	131	25	�	�	PROPN
cjfa-38808	131	26	�	�	PROPN
cjfa-38808	131	27	�	�	PROPN
cjfa-38808	131	28	�	�	PROPN
cjfa-38808	131	29	�	�	PROPN
cjfa-38808	131	30	+	+	CCONJ
cjfa-38808	131	31	𝑙𝑙𝑙𝑙	𝑙𝑙𝑙𝑙	PROPN
cjfa-38808	131	32	𝑙𝑙	𝑙𝑙	PROPN
cjfa-38808	131	33	�	�	PROPN
cjfa-38808	131	34	�	�	PROPN
cjfa-38808	131	35	�	�	PROPN
cjfa-38808	131	36	+	+	CCONJ
cjfa-38808	131	37	�	�	PROPN
cjfa-38808	131	38	�	�	PROPN
cjfa-38808	131	39	�	�	PROPN
cjfa-38808	131	40	�	�	PROPN
cjfa-38808	131	41	�	�	PROPN
cjfa-38808	131	42	𝑙𝑙	𝑙𝑙	PROPN
cjfa-38808	131	43	�	�	PROPN
cjfa-38808	131	44	�	�	PROPN
cjfa-38808	131	45	�	�	PROPN
cjfa-38808	131	46	𝑙𝑙	𝑙𝑙	PROPN
cjfa-38808	131	47	�	�	PROPN
cjfa-38808	131	48	�	�	PROPN
cjfa-38808	131	49	�	�	PROPN
cjfa-38808	131	50	+	+	CCONJ
cjfa-38808	131	51	𝑣𝑣	𝑣𝑣	PROPN
cjfa-38808	131	52	�	�	PROPN
cjfa-38808	131	53	�	�	PROPN
cjfa-38808	131	54	�	�	PROPN
cjfa-38808	131	55	�	�	PROPN
cjfa-38808	131	56	�	�	PROPN
cjfa-38808	131	57	�	�	PROPN
cjfa-38808	131	58	�	�	PROPN
cjfa-38808	131	59	�	�	PROPN
cjfa-38808	131	60	�	�	PROPN
cjfa-38808	131	61	�	�	PROPN
cjfa-38808	131	62	bankit	bankit	NOUN
cjfa-38808	131	63	=	=	PUNCT
cjfa-38808	131	64	𝛼𝛼	𝛼𝛼	ADP
cjfa-38808	131	65	+	+	NUM
cjfa-38808	131	66	β1ii	β1ii	PUNCT
cjfa-38808	132	1	+	+	CCONJ
cjfa-38808	132	2	ɛit	ɛit	NOUN
cjfa-38808	132	3	bankit	bankit	NOUN
cjfa-38808	132	4	=	=	PRON
cjfa-38808	132	5	𝛼𝛼	𝛼𝛼	ADP
cjfa-38808	132	6	+	+	NUM
cjfa-38808	132	7	β1ii	β1ii	PUNCT
cjfa-38808	132	8	+	+	CCONJ
cjfa-38808	132	9	β2xit+	β2xit+	X
cjfa-38808	132	10	ɛit	ɛit	NOUN
cjfa-38808	132	11	where	where	SCONJ
cjfa-38808	132	12	:	:	PUNCT
cjfa-38808	132	13	ln	ln	X
cjfa-38808	132	14	 	 	SPACE
cjfa-38808	132	15	tc	tc	NOUN
cjfa-38808	132	16	:	:	PUNCT
cjfa-38808	132	17	the	the	DET
cjfa-38808	132	18	natural	natural	ADJ
cjfa-38808	132	19	logarithm	logarithm	NOUN
cjfa-38808	132	20	of	of	ADP
cjfa-38808	132	21	total	total	ADJ
cjfa-38808	132	22	cost	cost	NOUN
cjfa-38808	132	23	;	;	PUNCT
cjfa-38808	132	24	qj	qj	PROPN
cjfa-38808	132	25	,	,	PUNCT
cjfa-38808	132	26	qk	qk	INTJ
cjfa-38808	132	27	:	:	PUNCT
cjfa-38808	132	28	output	output	NOUN
cjfa-38808	132	29	quantities	quantity	NOUN
cjfa-38808	132	30	;	;	PUNCT
cjfa-38808	132	31	pm	pm	NOUN
cjfa-38808	132	32	,	,	PUNCT
cjfa-38808	132	33	pn	pn	NOUN
cjfa-38808	132	34	:	:	PUNCT
cjfa-38808	132	35	input	input	NOUN
cjfa-38808	132	36	prices	price	NOUN
cjfa-38808	132	37	.	.	PUNCT
cjfa-38808	133	1	stochastic	stochastic	ADJ
cjfa-38808	133	2	frontier	frontier	NOUN
cjfa-38808	133	3	analysis	analysis	NOUN
cjfa-38808	133	4	(	(	PUNCT
cjfa-38808	133	5	sfa	sfa	PROPN
cjfa-38808	133	6	)	)	PUNCT
cjfa-38808	133	7	imposes	impose	VERB
cjfa-38808	133	8	certain	certain	ADJ
cjfa-38808	133	9	restrictions	restriction	NOUN
cjfa-38808	133	10	such	such	ADJ
cjfa-38808	133	11	as	as	ADP
cjfa-38808	133	12	symmetry	symmetry	NOUN
cjfa-38808	133	13	of	of	ADP
cjfa-38808	133	14	coefficients	coefficient	NOUN
cjfa-38808	133	15	α12	α12	PROPN
cjfa-38808	133	16	,	,	PUNCT
cjfa-38808	133	17	α21	α21	ADV
cjfa-38808	133	18	et	et	PROPN
cjfa-38808	133	19	β12	β12	PROPN
cjfa-38808	133	20	,	,	PUNCT
cjfa-38808	133	21	β21	β21	NOUN
cjfa-38808	133	22	,	,	PUNCT
cjfa-38808	133	23	error	error	NOUN
cjfa-38808	133	24	normality	normality	NOUN
cjfa-38808	133	25	and	and	CCONJ
cjfa-38808	133	26	homogeneity	homogeneity	NOUN
cjfa-38808	133	27	of	of	ADP
cjfa-38808	133	28	input	input	NOUN
cjfa-38808	133	29	price	price	NOUN
cjfa-38808	133	30	coefficients	coefficient	NOUN
cjfa-38808	133	31	𝑙𝑙𝑙𝑙	𝑙𝑙𝑙𝑙	PROPN
cjfa-38808	133	32	𝑙𝑙𝑙𝑙	𝑙𝑙𝑙𝑙	PROPN
cjfa-38808	133	33	𝑙	𝑙	PROPN
cjfa-38808	133	34	𝑙𝑙	𝑙𝑙	PROPN
cjfa-38808	133	35	𝑙	𝑙	PRON
cjfa-38808	133	36	�	�	PROPN
cjfa-38808	133	37	𝑙𝑙	𝑙𝑙	SYM
cjfa-38808	133	38	�	�	PROPN
cjfa-38808	133	39	𝑙𝑙𝑙𝑙	𝑙𝑙𝑙𝑙	PROPN
cjfa-38808	133	40	𝑙𝑙	𝑙𝑙	PROPN
cjfa-38808	133	41	�	�	PROPN
cjfa-38808	133	42	�	�	PROPN
cjfa-38808	133	43	𝑙	𝑙	PRON
cjfa-38808	133	44	�	�	PROPN
cjfa-38808	133	45	𝛽𝛽	𝛽𝛽	ADP
cjfa-38808	133	46	�	�	PROPN
cjfa-38808	134	1	𝑙𝑙𝑙𝑙	𝑙𝑙𝑙𝑙	PROPN
cjfa-38808	134	2	𝑙𝑙	𝑙𝑙	PROPN
cjfa-38808	134	3	�	�	PROPN
cjfa-38808	134	4	�	�	PROPN
cjfa-38808	134	5	�	�	PROPN
cjfa-38808	134	6	𝑙	𝑙	SYM
cjfa-38808	134	7	1	1	NUM
cjfa-38808	134	8	2	2	NUM
cjfa-38808	134	9	�	�	PROPN
cjfa-38808	134	10	�	�	PROPN
cjfa-38808	134	11	�	�	PROPN
cjfa-38808	134	12	�	�	PROPN
cjfa-38808	134	13	�	�	PROPN
cjfa-38808	134	14	�	�	PROPN
cjfa-38808	134	15	�	�	PROPN
cjfa-38808	134	16	�	�	PROPN
cjfa-38808	134	17	�	�	PROPN
cjfa-38808	134	18	�	�	PROPN
cjfa-38808	134	19	𝛿𝛿	𝛿𝛿	PROPN
cjfa-38808	134	20	�	�	PROPN
cjfa-38808	134	21	�	�	PROPN
cjfa-38808	134	22	𝑙𝑙𝑙𝑙	𝑙𝑙𝑙𝑙	PROPN
cjfa-38808	134	23	𝑙𝑙	𝑙𝑙	PROPN
cjfa-38808	134	24	�	�	PROPN
cjfa-38808	134	25	�	�	PROPN
cjfa-38808	134	26	�	�	PROPN
cjfa-38808	134	27	𝑙	𝑙	SYM
cjfa-38808	134	28	1	1	NUM
cjfa-38808	134	29	2	2	NUM
cjfa-38808	134	30	�	�	PROPN
cjfa-38808	134	31	�	�	PROPN
cjfa-38808	134	32	�	�	PROPN
cjfa-38808	134	33	�	�	PROPN
cjfa-38808	134	34	�	�	PROPN
cjfa-38808	134	35	�	�	PROPN
cjfa-38808	134	36	�	�	PROPN
cjfa-38808	134	37	�	�	PROPN
cjfa-38808	134	38	�	�	PROPN
cjfa-38808	134	39	�	�	PROPN
cjfa-38808	134	40	𝛾𝛾	𝛾𝛾	PROPN
cjfa-38808	134	41	�	�	PROPN
cjfa-38808	134	42	�	�	PROPN
cjfa-38808	134	43	𝑙𝑙𝑙𝑙	𝑙𝑙𝑙𝑙	PROPN
cjfa-38808	134	44	𝑙𝑙	𝑙𝑙	PROPN
cjfa-38808	134	45	�	�	PROPN
cjfa-38808	134	46	�	�	PROPN
cjfa-38808	134	47	�	�	PROPN
cjfa-38808	134	48	�	�	PROPN
cjfa-38808	134	49	�	�	PROPN
cjfa-38808	134	50	�	�	PROPN
cjfa-38808	134	51	�	�	PROPN
cjfa-38808	134	52	�	�	PROPN
cjfa-38808	134	53	�	�	PROPN
cjfa-38808	134	54	�	�	PROPN
cjfa-38808	134	55	�	�	PROPN
cjfa-38808	134	56	𝑙	𝑙	PROPN
cjfa-38808	134	57	𝑙𝑙𝑙𝑙	𝑙𝑙𝑙𝑙	PROPN
cjfa-38808	134	58	𝑙𝑙	𝑙𝑙	PROPN
cjfa-38808	134	59	�	�	PROPN
cjfa-38808	134	60	�	�	PROPN
cjfa-38808	134	61	�	�	PROPN
cjfa-38808	134	62	𝑙	𝑙	PRON
cjfa-38808	134	63	�	�	PROPN
cjfa-38808	134	64	�	�	PROPN
cjfa-38808	134	65	𝜌𝜌	𝜌𝜌	PROPN
cjfa-38808	134	66	�	�	PROPN
cjfa-38808	134	67	�	�	PROPN
cjfa-38808	134	68	𝑙𝑙	𝑙𝑙	PROPN
cjfa-38808	134	69	�	�	PROPN
cjfa-38808	134	70	�	�	PROPN
cjfa-38808	134	71	�	�	PROPN
cjfa-38808	134	72	𝑙𝑙	𝑙𝑙	PROPN
cjfa-38808	134	73	�	�	PROPN
cjfa-38808	134	74	�	�	PROPN
cjfa-38808	134	75	�	�	PROPN
cjfa-38808	134	76	�	�	PROPN
cjfa-38808	134	77	�	�	PROPN
cjfa-38808	134	78	�	�	PROPN
cjfa-38808	134	79	�	�	PROPN
cjfa-38808	134	80	�	�	PROPN
cjfa-38808	134	81	�	�	PROPN
cjfa-38808	134	82	�	�	PROPN
cjfa-38808	134	83	�	�	PROPN
cjfa-38808	134	84	𝑙	𝑙	PRON
cjfa-38808	134	85	𝜐𝜐𝜐𝜐𝜐𝜐𝜐	𝜐𝜐𝜐𝜐𝜐𝜐𝜐	PROPN
cjfa-38808	134	86	(	(	PUNCT
cjfa-38808	134	87	1	1	NUM
cjfa-38808	134	88	)	)	PUNCT
cjfa-38808	135	1	where	where	SCONJ
cjfa-38808	135	2	:	:	PUNCT
cjfa-38808	135	3	ln	ln	PROPN
cjfa-38808	135	4	tc	tc	NOUN
cjfa-38808	135	5	:	:	PUNCT
cjfa-38808	135	6	the	the	DET
cjfa-38808	135	7	natural	natural	ADJ
cjfa-38808	135	8	logarithm	logarithm	NOUN
cjfa-38808	135	9	of	of	ADP
cjfa-38808	135	10	total	total	ADJ
cjfa-38808	135	11	cost	cost	NOUN
cjfa-38808	135	12	;	;	PUNCT
cjfa-38808	135	13	qj	qj	PROPN
cjfa-38808	135	14	,	,	PUNCT
cjfa-38808	135	15	qk	qk	INTJ
cjfa-38808	135	16	:	:	PUNCT
cjfa-38808	135	17	output	output	NOUN
cjfa-38808	135	18	quantities	quantity	NOUN
cjfa-38808	135	19	;	;	PUNCT
cjfa-38808	135	20	pm	pm	NOUN
cjfa-38808	135	21	,	,	PUNCT
cjfa-38808	135	22	pn	pn	NOUN
cjfa-38808	135	23	:	:	PUNCT
cjfa-38808	135	24	input	input	NOUN
cjfa-38808	135	25	prices	price	NOUN
cjfa-38808	135	26	.	.	PUNCT
cjfa-38808	136	1	stochastic	stochastic	ADJ
cjfa-38808	136	2	frontier	frontier	NOUN
cjfa-38808	136	3	analysis	analysis	NOUN
cjfa-38808	136	4	(	(	PUNCT
cjfa-38808	136	5	sfa	sfa	PROPN
cjfa-38808	136	6	)	)	PUNCT
cjfa-38808	136	7	imposes	impose	VERB
cjfa-38808	136	8	certain	certain	ADJ
cjfa-38808	136	9	restrictions	restriction	NOUN
cjfa-38808	136	10	such	such	ADJ
cjfa-38808	136	11	as	as	ADP
cjfa-38808	136	12	symmetry	symmetry	NOUN
cjfa-38808	136	13	of	of	ADP
cjfa-38808	136	14	coefficients	coefficient	NOUN
cjfa-38808	136	15	𝛼𝛼12	𝛼𝛼12	PROPN
cjfa-38808	136	16	,	,	PUNCT
cjfa-38808	136	17	𝛼𝛼21	𝛼𝛼21	PROPN
cjfa-38808	136	18	et	et	NOUN
cjfa-38808	136	19	𝛽𝛽	𝛽𝛽	ADP
cjfa-38808	136	20	�	�	PROPN
cjfa-38808	136	21	�	�	PROPN
cjfa-38808	136	22	,	,	PUNCT
cjfa-38808	136	23	𝛽𝛽	𝛽𝛽	PROPN
cjfa-38808	136	24	�	�	PROPN
cjfa-38808	136	25	�	�	PROPN
cjfa-38808	136	26	,	,	PUNCT
cjfa-38808	136	27	error	error	NOUN
cjfa-38808	136	28	normality	normality	NOUN
cjfa-38808	136	29	and	and	CCONJ
cjfa-38808	136	30	homogeneity	homogeneity	NOUN
cjfa-38808	136	31	of	of	ADP
cjfa-38808	136	32	input	input	NOUN
cjfa-38808	136	33	price	price	NOUN
cjfa-38808	136	34	coefficients	coefficient	NOUN
cjfa-38808	136	35	(	(	PUNCT
cjfa-38808	136	36	�	�	PROPN
cjfa-38808	136	37	𝛽𝛽	𝛽𝛽	ADP
cjfa-38808	136	38	�	�	PROPN
cjfa-38808	136	39	𝑙	𝑙	SYM
cjfa-38808	136	40	1	1	NUM
cjfa-38808	136	41	)	)	PUNCT
cjfa-38808	136	42	�	�	PROPN
cjfa-38808	136	43	�	�	PROPN
cjfa-38808	136	44	�	�	PROPN
cjfa-38808	136	45	�	�	PROPN
cjfa-38808	136	46	.	.	PUNCT
cjfa-38808	137	1	the	the	DET
cjfa-38808	137	2	empirical	empirical	ADJ
cjfa-38808	137	3	analysis	analysis	NOUN
cjfa-38808	137	4	of	of	ADP
cjfa-38808	137	5	the	the	DET
cjfa-38808	137	6	efficiency	efficiency	NOUN
cjfa-38808	137	7	of	of	ADP
cjfa-38808	137	8	islamic	islamic	ADJ
cjfa-38808	137	9	and	and	CCONJ
cjfa-38808	137	10	conventional	conventional	ADJ
cjfa-38808	137	11	banks	bank	NOUN
cjfa-38808	137	12	follows	follow	VERB
cjfa-38808	137	13	a	a	DET
cjfa-38808	137	14	twostep	twostep	NOUN
cjfa-38808	137	15	approach	approach	NOUN
cjfa-38808	137	16	.	.	PUNCT
cjfa-38808	138	1	the	the	DET
cjfa-38808	138	2	first	first	ADJ
cjfa-38808	138	3	step	step	NOUN
cjfa-38808	138	4	consists	consist	VERB
cjfa-38808	138	5	in	in	ADP
cjfa-38808	138	6	testing	test	VERB
cjfa-38808	138	7	whether	whether	SCONJ
cjfa-38808	138	8	conventional	conventional	ADJ
cjfa-38808	138	9	banks	bank	NOUN
cjfa-38808	138	10	are	be	AUX
cjfa-38808	138	11	more	more	ADV
cjfa-38808	138	12	efficient	efficient	ADJ
cjfa-38808	138	13	than	than	ADP
cjfa-38808	138	14	islamic	islamic	ADJ
cjfa-38808	138	15	banks	bank	NOUN
cjfa-38808	138	16	or	or	CCONJ
cjfa-38808	138	17	vice	vice	NOUN
cjfa-38808	138	18	versa	versa	ADV
cjfa-38808	138	19	by	by	ADP
cjfa-38808	138	20	estimating	estimate	VERB
cjfa-38808	138	21	,	,	PUNCT
cjfa-38808	138	22	in	in	ADP
cjfa-38808	138	23	panel	panel	NOUN
cjfa-38808	138	24	data	datum	NOUN
cjfa-38808	138	25	,	,	PUNCT
cjfa-38808	138	26	the	the	DET
cjfa-38808	138	27	following	follow	VERB
cjfa-38808	138	28	model	model	NOUN
cjfa-38808	138	29	:	:	PUNCT
cjfa-38808	138	30	bank	bank	NOUN
cjfa-38808	138	31	it	it	PRON
cjfa-38808	138	32	=	=	PUNCT
cjfa-38808	138	33	𝜶𝜶	𝜶𝜶	X
cjfa-38808	138	34	𝑙	𝑙	X
cjfa-38808	138	35	β1	β1	PROPN
cjfa-38808	138	36	ii	ii	PROPN
cjfa-38808	138	37	+	+	CCONJ
cjfa-38808	138	38	ɛit	ɛit	NOUN
cjfa-38808	138	39	(	(	PUNCT
cjfa-38808	138	40	2	2	NUM
cjfa-38808	138	41	)	)	PUNCT
cjfa-38808	138	42	where	where	SCONJ
cjfa-38808	138	43	,	,	PUNCT
cjfa-38808	138	44	i	i	PRON
cjfa-38808	138	45	is	be	AUX
cjfa-38808	138	46	a	a	DET
cjfa-38808	138	47	dummy	dummy	ADJ
cjfa-38808	138	48	variable	variable	NOUN
cjfa-38808	138	49	that	that	PRON
cjfa-38808	138	50	takes	take	VERB
cjfa-38808	138	51	1	1	NUM
cjfa-38808	138	52	for	for	ADP
cjfa-38808	138	53	islamic	islamic	ADJ
cjfa-38808	138	54	banks	bank	NOUN
cjfa-38808	138	55	and	and	CCONJ
cjfa-38808	138	56	0	0	NUM
cjfa-38808	138	57	for	for	ADP
cjfa-38808	138	58	conventional	conventional	ADJ
cjfa-38808	138	59	banks	bank	NOUN
cjfa-38808	138	60	.	.	PUNCT
cjfa-38808	139	1	bank	bank	NOUN
cjfa-38808	139	2	is	be	AUX
cjfa-38808	139	3	a	a	DET
cjfa-38808	139	4	measure	measure	NOUN
cjfa-38808	139	5	of	of	ADP
cjfa-38808	139	6	efficiency	efficiency	NOUN
cjfa-38808	139	7	which	which	PRON
cjfa-38808	139	8	is	be	AUX
cjfa-38808	139	9	either	either	CCONJ
cjfa-38808	139	10	the	the	DET
cjfa-38808	139	11	efficiency	efficiency	NOUN
cjfa-38808	139	12	score	score	NOUN
cjfa-38808	139	13	calculated	calculate	VERB
cjfa-38808	139	14	according	accord	VERB
cjfa-38808	139	15	to	to	ADP
cjfa-38808	139	16	equation	equation	NOUN
cjfa-38808	139	17	(	(	PUNCT
cjfa-38808	139	18	1	1	NUM
cjfa-38808	139	19	)	)	PUNCT
cjfa-38808	139	20	or	or	CCONJ
cjfa-38808	139	21	the	the	DET
cjfa-38808	139	22	cost	cost	NOUN
cjfa-38808	139	23	-	-	PUNCT
cjfa-38808	139	24	to	to	ADP
cjfa-38808	139	25	-	-	PUNCT
cjfa-38808	139	26	income	income	NOUN
cjfa-38808	139	27	ratio	ratio	NOUN
cjfa-38808	139	28	.	.	PUNCT
cjfa-38808	140	1	considering	consider	VERB
cjfa-38808	140	2	the	the	DET
cjfa-38808	140	3	efficiency	efficiency	NOUN
cjfa-38808	140	4	score	score	NOUN
cjfa-38808	140	5	measure	measure	NOUN
cjfa-38808	140	6	,	,	PUNCT
cjfa-38808	140	7	a	a	DET
cjfa-38808	140	8	significantly	significantly	ADV
cjfa-38808	140	9	positive	positive	ADJ
cjfa-38808	140	10	(	(	PUNCT
cjfa-38808	140	11	negative	negative	ADJ
cjfa-38808	140	12	)	)	PUNCT
cjfa-38808	140	13	β1	β1	PROPN
cjfa-38808	140	14	would	would	AUX
cjfa-38808	140	15	indicate	indicate	VERB
cjfa-38808	140	16	that	that	SCONJ
cjfa-38808	140	17	islamic	islamic	ADJ
cjfa-38808	140	18	banks	bank	NOUN
cjfa-38808	140	19	are	be	AUX
cjfa-38808	140	20	more	more	ADV
cjfa-38808	140	21	(	(	PUNCT
cjfa-38808	140	22	less	less	ADJ
cjfa-38808	140	23	)	)	PUNCT
cjfa-38808	140	24	efficient	efficient	ADJ
cjfa-38808	140	25	than	than	ADP
cjfa-38808	140	26	conventional	conventional	ADJ
cjfa-38808	140	27	banks	bank	NOUN
cjfa-38808	140	28	.	.	PUNCT
cjfa-38808	141	1	this	this	DET
cjfa-38808	141	2	reasoning	reasoning	NOUN
cjfa-38808	141	3	is	be	AUX
cjfa-38808	141	4	reversed	reverse	VERB
cjfa-38808	141	5	by	by	ADP
cjfa-38808	141	6	considering	consider	VERB
cjfa-38808	141	7	the	the	DET
cjfa-38808	141	8	cost	cost	NOUN
cjfa-38808	141	9	-	-	PUNCT
cjfa-38808	141	10	to	to	ADP
cjfa-38808	141	11	-	-	PUNCT
cjfa-38808	141	12	income	income	NOUN
cjfa-38808	141	13	ratio	ratio	NOUN
cjfa-38808	141	14	as	as	ADP
cjfa-38808	141	15	a	a	DET
cjfa-38808	141	16	measure	measure	NOUN
cjfa-38808	141	17	of	of	ADP
cjfa-38808	141	18	efficiency	efficiency	NOUN
cjfa-38808	141	19	.	.	PUNCT
cjfa-38808	142	1	in	in	ADP
cjfa-38808	142	2	the	the	DET
cjfa-38808	142	3	second	second	ADJ
cjfa-38808	142	4	step	step	NOUN
cjfa-38808	142	5	and	and	CCONJ
cjfa-38808	142	6	to	to	PART
cjfa-38808	142	7	examine	examine	VERB
cjfa-38808	142	8	the	the	DET
cjfa-38808	142	9	differences	difference	NOUN
cjfa-38808	142	10	in	in	ADP
cjfa-38808	142	11	efficiency	efficiency	NOUN
cjfa-38808	142	12	between	between	ADP
cjfa-38808	142	13	islamic	islamic	ADJ
cjfa-38808	142	14	banks	bank	NOUN
cjfa-38808	142	15	and	and	CCONJ
cjfa-38808	142	16	conventional	conventional	ADJ
cjfa-38808	142	17	banks	bank	NOUN
cjfa-38808	142	18	considering	consider	VERB
cjfa-38808	142	19	some	some	DET
cjfa-38808	142	20	bank	bank	NOUN
cjfa-38808	142	21	-	-	PUNCT
cjfa-38808	142	22	specific	specific	ADJ
cjfa-38808	142	23	variables	variable	NOUN
cjfa-38808	142	24	,	,	PUNCT
cjfa-38808	142	25	the	the	DET
cjfa-38808	142	26	following	follow	VERB
cjfa-38808	142	27	model	model	NOUN
cjfa-38808	142	28	is	be	AUX
cjfa-38808	142	29	estimated	estimate	VERB
cjfa-38808	142	30	,	,	PUNCT
cjfa-38808	142	31	in	in	ADP
cjfa-38808	142	32	panel	panel	NOUN
cjfa-38808	142	33	data	datum	NOUN
cjfa-38808	142	34	,	,	PUNCT
cjfa-38808	142	35	bank	bank	VERB
cjfa-38808	142	36	it	it	PRON
cjfa-38808	142	37	=	=	PUNCT
cjfa-38808	143	1	𝜶𝜶	𝜶𝜶	X
cjfa-38808	143	2	𝑙	𝑙	X
cjfa-38808	143	3	β1	β1	PROPN
cjfa-38808	143	4	ii	ii	PROPN
cjfa-38808	143	5	+	+	CCONJ
cjfa-38808	143	6	β2	β2	PROPN
cjfa-38808	143	7	xit+	xit+	PROPN
cjfa-38808	143	8	ɛit	ɛit	NOUN
cjfa-38808	143	9	(	(	PUNCT
cjfa-38808	143	10	3	3	NUM
cjfa-38808	143	11	)	)	PUNCT
cjfa-38808	143	12	where	where	SCONJ
cjfa-38808	143	13	,	,	PUNCT
cjfa-38808	143	14	bank	bank	NOUN
cjfa-38808	143	15	it	it	PRON
cjfa-38808	143	16	represents	represent	VERB
cjfa-38808	143	17	the	the	DET
cjfa-38808	143	18	efficiency	efficiency	NOUN
cjfa-38808	143	19	score	score	NOUN
cjfa-38808	143	20	or	or	CCONJ
cjfa-38808	143	21	he	he	PRON
cjfa-38808	143	22	cost	cost	NOUN
cjfa-38808	143	23	/	/	SYM
cjfa-38808	143	24	revenue	revenue	NOUN
cjfa-38808	143	25	ratio	ratio	NOUN
cjfa-38808	143	26	.	.	PUNCT
cjfa-38808	144	1	ii	ii	PROPN
cjfa-38808	144	2	takes	take	VERB
cjfa-38808	144	3	1	1	NUM
cjfa-38808	144	4	for	for	ADP
cjfa-38808	144	5	islamic	islamic	ADJ
cjfa-38808	144	6	banks	bank	NOUN
cjfa-38808	144	7	and	and	CCONJ
cjfa-38808	144	8	0	0	NUM
cjfa-38808	144	9	otherwise	otherwise	ADV
cjfa-38808	144	10	.	.	PUNCT
cjfa-38808	145	1	xit	xit	PROPN
cjfa-38808	145	2	is	be	AUX
cjfa-38808	145	3	a	a	DET
cjfa-38808	145	4	vector	vector	NOUN
cjfa-38808	145	5	of	of	ADP
cjfa-38808	145	6	three	three	NUM
cjfa-38808	145	7	bank	bank	NOUN
cjfa-38808	145	8	specific	specific	ADJ
cjfa-38808	145	9	variables	variable	NOUN
cjfa-38808	145	10	which	which	PRON
cjfa-38808	145	11	are	be	AUX
cjfa-38808	145	12	:	:	PUNCT
cjfa-38808	145	13	earning	earn	VERB
cjfa-38808	145	14	assets	asset	NOUN
cjfa-38808	145	15	,	,	PUNCT
cjfa-38808	145	16	equity	equity	NOUN
cjfa-38808	145	17	buffer	buffer	NOUN
cjfa-38808	145	18	,	,	PUNCT
cjfa-38808	145	19	and	and	CCONJ
cjfa-38808	145	20	the	the	DET
cjfa-38808	145	21	size	size	NOUN
cjfa-38808	145	22	of	of	ADP
cjfa-38808	145	23	the	the	DET
cjfa-38808	145	24	bank	bank	NOUN
cjfa-38808	145	25	.	.	PUNCT
cjfa-38808	146	1	ɛit	ɛit	NOUN
cjfa-38808	146	2	is	be	AUX
cjfa-38808	146	3	an	an	DET
cjfa-38808	146	4	error	error	NOUN
cjfa-38808	146	5	term	term	NOUN
cjfa-38808	146	6	.	.	PUNCT
cjfa-38808	146	7	.	.	PUNCT
cjfa-38808	147	1	the	the	DET
cjfa-38808	147	2	empirical	empirical	ADJ
cjfa-38808	147	3	analysis	analysis	NOUN
cjfa-38808	147	4	of	of	ADP
cjfa-38808	147	5	the	the	DET
cjfa-38808	147	6	efficiency	efficiency	NOUN
cjfa-38808	147	7	of	of	ADP
cjfa-38808	147	8	islamic	islamic	ADJ
cjfa-38808	147	9	and	and	CCONJ
cjfa-38808	147	10	conventional	conventional	ADJ
cjfa-38808	147	11	banks	bank	NOUN
cjfa-38808	147	12	follows	follow	VERB
cjfa-38808	147	13	a	a	DET
cjfa-38808	147	14	two	two	NUM
cjfa-38808	147	15	-	-	PUNCT
cjfa-38808	147	16	step	step	NOUN
cjfa-38808	147	17	approach	approach	NOUN
cjfa-38808	147	18	.	.	PUNCT
cjfa-38808	148	1	the	the	DET
cjfa-38808	148	2	first	first	ADJ
cjfa-38808	148	3	step	step	NOUN
cjfa-38808	148	4	consists	consist	VERB
cjfa-38808	148	5	in	in	ADP
cjfa-38808	148	6	testing	test	VERB
cjfa-38808	148	7	whether	whether	SCONJ
cjfa-38808	148	8	conventional	conventional	ADJ
cjfa-38808	148	9	banks	bank	NOUN
cjfa-38808	148	10	are	be	AUX
cjfa-38808	148	11	more	more	ADV
cjfa-38808	148	12	efficient	efficient	ADJ
cjfa-38808	148	13	than	than	ADP
cjfa-38808	148	14	islamic	islamic	ADJ
cjfa-38808	148	15	banks	bank	NOUN
cjfa-38808	148	16	or	or	CCONJ
cjfa-38808	148	17	vice	vice	NOUN
cjfa-38808	148	18	versa	versa	ADV
cjfa-38808	148	19	by	by	ADP
cjfa-38808	148	20	estimating	estimate	VERB
cjfa-38808	148	21	,	,	PUNCT
cjfa-38808	148	22	in	in	ADP
cjfa-38808	148	23	panel	panel	NOUN
cjfa-38808	148	24	data	datum	NOUN
cjfa-38808	148	25	,	,	PUNCT
cjfa-38808	148	26	the	the	DET
cjfa-38808	148	27	following	follow	VERB
cjfa-38808	148	28	model	model	NOUN
cjfa-38808	148	29	:	:	PUNCT
cjfa-38808	148	30	�	�	PROPN
cjfa-38808	148	31	𝑙𝑙	𝑙𝑙	SYM
cjfa-38808	148	32	�	�	PROPN
cjfa-38808	148	33	�	�	PROPN
cjfa-38808	148	34	�	�	PROPN
cjfa-38808	148	35	�	�	PROPN
cjfa-38808	148	36	+	+	CCONJ
cjfa-38808	148	37	�	�	PROPN
cjfa-38808	148	38	�	�	PROPN
cjfa-38808	148	39	�	�	PROPN
cjfa-38808	148	40	𝑙𝑙𝑙𝑙	𝑙𝑙𝑙𝑙	PROPN
cjfa-38808	148	41	𝑙𝑙	𝑙𝑙	PROPN
cjfa-38808	148	42	�	�	PROPN
cjfa-38808	148	43	�	�	PROPN
cjfa-38808	148	44	+	+	CCONJ
cjfa-38808	148	45	�	�	PROPN
cjfa-38808	148	46	�	�	PROPN
cjfa-38808	148	47	�	�	PROPN
cjfa-38808	148	48	𝑙𝑙𝑙𝑙	𝑙𝑙𝑙𝑙	PROPN
cjfa-38808	148	49	𝑙𝑙	𝑙𝑙	PROPN
cjfa-38808	148	50	�	�	PROPN
cjfa-38808	148	51	�	�	PROPN
cjfa-38808	148	52	�	�	PROPN
cjfa-38808	148	53	+	+	CCONJ
cjfa-38808	148	54	1	1	NUM
cjfa-38808	148	55	2	2	NUM
cjfa-38808	148	56	�	�	PROPN
cjfa-38808	148	57	�	�	PROPN
cjfa-38808	148	58	�	�	PROPN
cjfa-38808	148	59	�	�	PROPN
cjfa-38808	148	60	�	�	PROPN
cjfa-38808	148	61	�	�	PROPN
cjfa-38808	148	62	�	�	PROPN
cjfa-38808	148	63	�	�	PROPN
cjfa-38808	148	64	�	�	PROPN
cjfa-38808	148	65	�	�	PROPN
cjfa-38808	148	66	�	�	PROPN
cjfa-38808	148	67	�	�	PROPN
cjfa-38808	148	68	�	�	PROPN
cjfa-38808	148	69	𝑙𝑙𝑙𝑙	𝑙𝑙𝑙𝑙	PROPN
cjfa-38808	148	70	𝑙𝑙	𝑙𝑙	PROPN
cjfa-38808	148	71	�	�	PROPN
cjfa-38808	148	72	�	�	PROPN
cjfa-38808	148	73	�	�	PROPN
cjfa-38808	148	74	+	+	CCONJ
cjfa-38808	148	75	1	1	NUM
cjfa-38808	148	76	2	2	NUM
cjfa-38808	148	77	�	�	PROPN
cjfa-38808	148	78	�	�	PROPN
cjfa-38808	148	79	�	�	PROPN
cjfa-38808	148	80	�	�	PROPN
cjfa-38808	148	81	�	�	PROPN
cjfa-38808	148	82	�	�	PROPN
cjfa-38808	148	83	�	�	PROPN
cjfa-38808	148	84	�	�	PROPN
cjfa-38808	148	85	�	�	PROPN
cjfa-38808	148	86	�	�	PROPN
cjfa-38808	148	87	�	�	PROPN
cjfa-38808	148	88	�	�	PROPN
cjfa-38808	148	89	�	�	PROPN
cjfa-38808	148	90	𝑙𝑙𝑙𝑙	𝑙𝑙𝑙𝑙	PROPN
cjfa-38808	148	91	𝑙𝑙	𝑙𝑙	PROPN
cjfa-38808	148	92	�	�	PROPN
cjfa-38808	148	93	�	�	PROPN
cjfa-38808	148	94	�	�	PROPN
cjfa-38808	148	95	�	�	PROPN
cjfa-38808	148	96	�	�	PROPN
cjfa-38808	148	97	�	�	PROPN
cjfa-38808	148	98	�	�	PROPN
cjfa-38808	148	99	�	�	PROPN
cjfa-38808	148	100	�	�	PROPN
cjfa-38808	148	101	�	�	PROPN
cjfa-38808	148	102	�	�	PROPN
cjfa-38808	148	103	+	+	CCONJ
cjfa-38808	149	1	𝑙𝑙𝑙𝑙	𝑙𝑙𝑙𝑙	PROPN
cjfa-38808	149	2	𝑙𝑙	𝑙𝑙	PROPN
cjfa-38808	149	3	�	�	PROPN
cjfa-38808	149	4	�	�	PROPN
cjfa-38808	149	5	�	�	PROPN
cjfa-38808	149	6	+	+	CCONJ
cjfa-38808	149	7	�	�	PROPN
cjfa-38808	149	8	�	�	PROPN
cjfa-38808	149	9	�	�	PROPN
cjfa-38808	149	10	�	�	PROPN
cjfa-38808	149	11	�	�	PROPN
cjfa-38808	149	12	𝑙𝑙	𝑙𝑙	PROPN
cjfa-38808	149	13	�	�	PROPN
cjfa-38808	149	14	�	�	PROPN
cjfa-38808	149	15	�	�	PROPN
cjfa-38808	149	16	𝑙𝑙	𝑙𝑙	PROPN
cjfa-38808	149	17	�	�	PROPN
cjfa-38808	149	18	�	�	PROPN
cjfa-38808	149	19	�	�	PROPN
cjfa-38808	149	20	+	+	CCONJ
cjfa-38808	149	21	𝑣𝑣	𝑣𝑣	PROPN
cjfa-38808	149	22	�	�	PROPN
cjfa-38808	149	23	�	�	PROPN
cjfa-38808	149	24	�	�	PROPN
cjfa-38808	149	25	�	�	PROPN
cjfa-38808	149	26	�	�	PROPN
cjfa-38808	149	27	�	�	PROPN
cjfa-38808	149	28	�	�	PROPN
cjfa-38808	149	29	�	�	PROPN
cjfa-38808	149	30	�	�	PROPN
cjfa-38808	149	31	�	�	PROPN
cjfa-38808	149	32	bankit	bankit	NOUN
cjfa-38808	149	33	=	=	PUNCT
cjfa-38808	149	34	𝛼𝛼	𝛼𝛼	ADP
cjfa-38808	149	35	+	+	NUM
cjfa-38808	149	36	β1ii	β1ii	PUNCT
cjfa-38808	150	1	+	+	CCONJ
cjfa-38808	150	2	ɛit	ɛit	NOUN
cjfa-38808	150	3	bankit	bankit	NOUN
cjfa-38808	150	4	=	=	PRON
cjfa-38808	150	5	𝛼𝛼	𝛼𝛼	ADP
cjfa-38808	150	6	+	+	NUM
cjfa-38808	150	7	β1ii	β1ii	PUNCT
cjfa-38808	150	8	+	+	CCONJ
cjfa-38808	150	9	β2xit+	β2xit+	X
cjfa-38808	150	10	ɛit	ɛit	NOUN
cjfa-38808	150	11	(	(	PUNCT
cjfa-38808	150	12	2	2	NUM
cjfa-38808	150	13	)	)	PUNCT
cjfa-38808	150	14	where	where	SCONJ
cjfa-38808	150	15	,	,	PUNCT
cjfa-38808	150	16	i	i	PRON
cjfa-38808	150	17	is	be	AUX
cjfa-38808	150	18	a	a	DET
cjfa-38808	150	19	dummy	dummy	ADJ
cjfa-38808	150	20	variable	variable	NOUN
cjfa-38808	150	21	that	that	PRON
cjfa-38808	150	22	takes	take	VERB
cjfa-38808	150	23	1	1	NUM
cjfa-38808	150	24	for	for	ADP
cjfa-38808	150	25	islamic	islamic	ADJ
cjfa-38808	150	26	banks	bank	NOUN
cjfa-38808	150	27	and	and	CCONJ
cjfa-38808	150	28	0	0	NUM
cjfa-38808	150	29	for	for	ADP
cjfa-38808	150	30	conventional	conventional	ADJ
cjfa-38808	150	31	banks	bank	NOUN
cjfa-38808	150	32	.	.	PUNCT
cjfa-38808	151	1	bank	bank	NOUN
cjfa-38808	151	2	is	be	AUX
cjfa-38808	151	3	a	a	DET
cjfa-38808	151	4	measure	measure	NOUN
cjfa-38808	151	5	of	of	ADP
cjfa-38808	151	6	efficiency	efficiency	NOUN
cjfa-38808	151	7	which	which	PRON
cjfa-38808	151	8	is	be	AUX
cjfa-38808	151	9	either	either	CCONJ
cjfa-38808	151	10	the	the	DET
cjfa-38808	151	11	efficiency	efficiency	NOUN
cjfa-38808	151	12	score	score	NOUN
cjfa-38808	151	13	calculated	calculate	VERB
cjfa-38808	151	14	according	accord	VERB
cjfa-38808	151	15	to	to	ADP
cjfa-38808	151	16	equation	equation	NOUN
cjfa-38808	151	17	(	(	PUNCT
cjfa-38808	151	18	1	1	NUM
cjfa-38808	151	19	)	)	PUNCT
cjfa-38808	151	20	or	or	CCONJ
cjfa-38808	151	21	the	the	DET
cjfa-38808	151	22	cost	cost	NOUN
cjfa-38808	151	23	-	-	PUNCT
cjfa-38808	151	24	to	to	ADP
cjfa-38808	151	25	-	-	PUNCT
cjfa-38808	151	26	income	income	NOUN
cjfa-38808	151	27	ratio	ratio	NOUN
cjfa-38808	151	28	.	.	PUNCT
cjfa-38808	152	1	considering	consider	VERB
cjfa-38808	152	2	the	the	DET
cjfa-38808	152	3	efficiency	efficiency	NOUN
cjfa-38808	152	4	score	score	NOUN
cjfa-38808	152	5	measure	measure	NOUN
cjfa-38808	152	6	,	,	PUNCT
cjfa-38808	152	7	a	a	DET
cjfa-38808	152	8	significantly	significantly	ADV
cjfa-38808	152	9	positive	positive	ADJ
cjfa-38808	152	10	(	(	PUNCT
cjfa-38808	152	11	negative	negative	ADJ
cjfa-38808	152	12	)	)	PUNCT
cjfa-38808	152	13	β1	β1	PROPN
cjfa-38808	152	14	would	would	AUX
cjfa-38808	152	15	indicate	indicate	VERB
cjfa-38808	152	16	that	that	SCONJ
cjfa-38808	152	17	islamic	islamic	ADJ
cjfa-38808	152	18	banks	bank	NOUN
cjfa-38808	152	19	are	be	AUX
cjfa-38808	152	20	more	more	ADV
cjfa-38808	152	21	(	(	PUNCT
cjfa-38808	152	22	less	less	ADJ
cjfa-38808	152	23	)	)	PUNCT
cjfa-38808	152	24	efficient	efficient	ADJ
cjfa-38808	152	25	than	than	ADP
cjfa-38808	152	26	conventional	conventional	ADJ
cjfa-38808	152	27	banks	bank	NOUN
cjfa-38808	152	28	.	.	PUNCT
cjfa-38808	153	1	this	this	DET
cjfa-38808	153	2	reasoning	reasoning	NOUN
cjfa-38808	153	3	is	be	AUX
cjfa-38808	153	4	reversed	reverse	VERB
cjfa-38808	153	5	by	by	ADP
cjfa-38808	153	6	considering	consider	VERB
cjfa-38808	153	7	the	the	DET
cjfa-38808	153	8	cost	cost	NOUN
cjfa-38808	153	9	-	-	PUNCT
cjfa-38808	153	10	to	to	ADP
cjfa-38808	153	11	-	-	PUNCT
cjfa-38808	153	12	income	income	NOUN
cjfa-38808	153	13	ratio	ratio	NOUN
cjfa-38808	153	14	as	as	ADP
cjfa-38808	153	15	a	a	DET
cjfa-38808	153	16	measure	measure	NOUN
cjfa-38808	153	17	of	of	ADP
cjfa-38808	153	18	efficiency	efficiency	NOUN
cjfa-38808	153	19	.	.	PUNCT
cjfa-38808	154	1	(	(	PUNCT
cjfa-38808	154	2	1	1	X
cjfa-38808	154	3	)	)	PUNCT
cjfa-38808	154	4	r.	r.	PROPN
cjfa-38808	154	5	b.	b.	PROPN
cjfa-38808	154	6	slimen	slimen	PROPN
cjfa-38808	154	7	,	,	PUNCT
cjfa-38808	154	8	f.	f.	PROPN
cjfa-38808	154	9	belhaj	belhaj	PROPN
cjfa-38808	154	10	,	,	PUNCT
cjfa-38808	154	11	m.	m.	NOUN
cjfa-38808	154	12	hadriche	hadriche	NOUN
cjfa-38808	154	13	,	,	PUNCT
cjfa-38808	154	14	m.	m.	NOUN
cjfa-38808	154	15	ghroubi98	ghroubi98	NOUN
cjfa-38808	154	16	in	in	ADP
cjfa-38808	154	17	the	the	DET
cjfa-38808	154	18	second	second	ADJ
cjfa-38808	154	19	step	step	NOUN
cjfa-38808	154	20	and	and	CCONJ
cjfa-38808	154	21	to	to	PART
cjfa-38808	154	22	examine	examine	VERB
cjfa-38808	154	23	the	the	DET
cjfa-38808	154	24	differences	difference	NOUN
cjfa-38808	154	25	in	in	ADP
cjfa-38808	154	26	efficiency	efficiency	NOUN
cjfa-38808	154	27	between	between	ADP
cjfa-38808	154	28	islamic	islamic	ADJ
cjfa-38808	154	29	banks	bank	NOUN
cjfa-38808	154	30	and	and	CCONJ
cjfa-38808	154	31	conventional	conventional	ADJ
cjfa-38808	154	32	banks	bank	NOUN
cjfa-38808	154	33	considering	consider	VERB
cjfa-38808	154	34	some	some	DET
cjfa-38808	154	35	bank	bank	NOUN
cjfa-38808	154	36	-	-	PUNCT
cjfa-38808	154	37	specific	specific	ADJ
cjfa-38808	154	38	variables	variable	NOUN
cjfa-38808	154	39	,	,	PUNCT
cjfa-38808	154	40	the	the	DET
cjfa-38808	154	41	following	follow	VERB
cjfa-38808	154	42	model	model	NOUN
cjfa-38808	154	43	is	be	AUX
cjfa-38808	154	44	estimated	estimate	VERB
cjfa-38808	154	45	,	,	PUNCT
cjfa-38808	154	46	in	in	ADP
cjfa-38808	154	47	panel	panel	NOUN
cjfa-38808	154	48	data	datum	NOUN
cjfa-38808	154	49	,	,	PUNCT
cjfa-38808	154	50	�	�	PROPN
cjfa-38808	154	51	𝑙𝑙	𝑙𝑙	PROPN
cjfa-38808	154	52	�	�	PROPN
cjfa-38808	154	53	�	�	PROPN
cjfa-38808	154	54	�	�	PROPN
cjfa-38808	154	55	�	�	PROPN
cjfa-38808	154	56	+	+	CCONJ
cjfa-38808	154	57	�	�	PROPN
cjfa-38808	154	58	�	�	PROPN
cjfa-38808	154	59	�	�	PROPN
cjfa-38808	155	1	𝑙𝑙𝑙𝑙	𝑙𝑙𝑙𝑙	PROPN
cjfa-38808	155	2	𝑙𝑙	𝑙𝑙	PROPN
cjfa-38808	155	3	�	�	PROPN
cjfa-38808	155	4	�	�	PROPN
cjfa-38808	155	5	+	+	CCONJ
cjfa-38808	155	6	�	�	PROPN
cjfa-38808	155	7	�	�	PROPN
cjfa-38808	155	8	�	�	PROPN
cjfa-38808	155	9	𝑙𝑙𝑙𝑙	𝑙𝑙𝑙𝑙	PROPN
cjfa-38808	155	10	𝑙𝑙	𝑙𝑙	PROPN
cjfa-38808	155	11	�	�	PROPN
cjfa-38808	155	12	�	�	PROPN
cjfa-38808	155	13	�	�	PROPN
cjfa-38808	155	14	+	+	CCONJ
cjfa-38808	155	15	1	1	NUM
cjfa-38808	155	16	2	2	NUM
cjfa-38808	155	17	�	�	PROPN
cjfa-38808	155	18	�	�	PROPN
cjfa-38808	155	19	�	�	PROPN
cjfa-38808	155	20	�	�	PROPN
cjfa-38808	155	21	�	�	PROPN
cjfa-38808	155	22	�	�	PROPN
cjfa-38808	155	23	�	�	PROPN
cjfa-38808	155	24	�	�	PROPN
cjfa-38808	155	25	�	�	PROPN
cjfa-38808	155	26	�	�	PROPN
cjfa-38808	155	27	�	�	PROPN
cjfa-38808	155	28	�	�	PROPN
cjfa-38808	155	29	�	�	PROPN
cjfa-38808	155	30	𝑙𝑙𝑙𝑙	𝑙𝑙𝑙𝑙	PROPN
cjfa-38808	155	31	𝑙𝑙	𝑙𝑙	PROPN
cjfa-38808	155	32	�	�	PROPN
cjfa-38808	155	33	�	�	PROPN
cjfa-38808	155	34	�	�	PROPN
cjfa-38808	155	35	+	+	CCONJ
cjfa-38808	155	36	1	1	NUM
cjfa-38808	155	37	2	2	NUM
cjfa-38808	155	38	�	�	PROPN
cjfa-38808	155	39	�	�	PROPN
cjfa-38808	155	40	�	�	PROPN
cjfa-38808	155	41	�	�	PROPN
cjfa-38808	155	42	�	�	PROPN
cjfa-38808	155	43	�	�	PROPN
cjfa-38808	155	44	�	�	PROPN
cjfa-38808	155	45	�	�	PROPN
cjfa-38808	155	46	�	�	PROPN
cjfa-38808	155	47	�	�	PROPN
cjfa-38808	155	48	�	�	PROPN
cjfa-38808	155	49	�	�	PROPN
cjfa-38808	155	50	�	�	PROPN
cjfa-38808	155	51	𝑙𝑙𝑙𝑙	𝑙𝑙𝑙𝑙	PROPN
cjfa-38808	155	52	𝑙𝑙	𝑙𝑙	PROPN
cjfa-38808	155	53	�	�	PROPN
cjfa-38808	155	54	�	�	PROPN
cjfa-38808	155	55	�	�	PROPN
cjfa-38808	155	56	�	�	PROPN
cjfa-38808	155	57	�	�	PROPN
cjfa-38808	155	58	�	�	PROPN
cjfa-38808	155	59	�	�	PROPN
cjfa-38808	155	60	�	�	PROPN
cjfa-38808	155	61	�	�	PROPN
cjfa-38808	155	62	�	�	PROPN
cjfa-38808	155	63	�	�	PROPN
cjfa-38808	155	64	+	+	CCONJ
cjfa-38808	155	65	𝑙𝑙𝑙𝑙	𝑙𝑙𝑙𝑙	PROPN
cjfa-38808	155	66	𝑙𝑙	𝑙𝑙	PROPN
cjfa-38808	155	67	�	�	PROPN
cjfa-38808	155	68	�	�	PROPN
cjfa-38808	155	69	�	�	PROPN
cjfa-38808	155	70	+	+	CCONJ
cjfa-38808	155	71	�	�	PROPN
cjfa-38808	155	72	�	�	PROPN
cjfa-38808	155	73	�	�	PROPN
cjfa-38808	155	74	�	�	PROPN
cjfa-38808	155	75	�	�	PROPN
cjfa-38808	155	76	𝑙𝑙	𝑙𝑙	PROPN
cjfa-38808	155	77	�	�	PROPN
cjfa-38808	155	78	�	�	PROPN
cjfa-38808	155	79	�	�	PROPN
cjfa-38808	155	80	𝑙𝑙	𝑙𝑙	PROPN
cjfa-38808	155	81	�	�	PROPN
cjfa-38808	155	82	�	�	PROPN
cjfa-38808	155	83	�	�	PROPN
cjfa-38808	155	84	+	+	CCONJ
cjfa-38808	155	85	𝑣𝑣	𝑣𝑣	PROPN
cjfa-38808	155	86	�	�	PROPN
cjfa-38808	155	87	�	�	PROPN
cjfa-38808	155	88	�	�	PROPN
cjfa-38808	155	89	�	�	PROPN
cjfa-38808	155	90	�	�	PROPN
cjfa-38808	155	91	�	�	PROPN
cjfa-38808	155	92	�	�	PROPN
cjfa-38808	155	93	�	�	PROPN
cjfa-38808	155	94	�	�	PROPN
cjfa-38808	155	95	�	�	PROPN
cjfa-38808	155	96	bankit	bankit	NOUN
cjfa-38808	155	97	=	=	PUNCT
cjfa-38808	155	98	𝛼𝛼	𝛼𝛼	ADP
cjfa-38808	155	99	+	+	NUM
cjfa-38808	155	100	β1ii	β1ii	PUNCT
cjfa-38808	156	1	+	+	CCONJ
cjfa-38808	156	2	ɛit	ɛit	NOUN
cjfa-38808	156	3	bankit	bankit	NOUN
cjfa-38808	156	4	=	=	PRON
cjfa-38808	156	5	𝛼𝛼	𝛼𝛼	ADP
cjfa-38808	156	6	+	+	NUM
cjfa-38808	156	7	β1ii	β1ii	PUNCT
cjfa-38808	156	8	+	+	CCONJ
cjfa-38808	156	9	β2xit+	β2xit+	X
cjfa-38808	156	10	ɛit	ɛit	NOUN
cjfa-38808	156	11	(	(	PUNCT
cjfa-38808	156	12	3	3	NUM
cjfa-38808	156	13	)	)	PUNCT
cjfa-38808	156	14	where	where	SCONJ
cjfa-38808	156	15	,	,	PUNCT
cjfa-38808	156	16	bank	bank	NOUN
cjfa-38808	156	17	it	it	PRON
cjfa-38808	156	18	represents	represent	VERB
cjfa-38808	156	19	the	the	DET
cjfa-38808	156	20	efficiency	efficiency	NOUN
cjfa-38808	156	21	score	score	NOUN
cjfa-38808	156	22	or	or	CCONJ
cjfa-38808	156	23	he	he	PRON
cjfa-38808	156	24	cost	cost	NOUN
cjfa-38808	156	25	/	/	SYM
cjfa-38808	156	26	revenue	revenue	NOUN
cjfa-38808	156	27	ratio	ratio	NOUN
cjfa-38808	156	28	.	.	PUNCT
cjfa-38808	157	1	ii	ii	PROPN
cjfa-38808	157	2	takes	take	VERB
cjfa-38808	157	3	1	1	NUM
cjfa-38808	157	4	for	for	ADP
cjfa-38808	157	5	islamic	islamic	ADJ
cjfa-38808	157	6	banks	bank	NOUN
cjfa-38808	157	7	and	and	CCONJ
cjfa-38808	157	8	0	0	NUM
cjfa-38808	157	9	otherwise	otherwise	ADV
cjfa-38808	157	10	.	.	PUNCT
cjfa-38808	158	1	xit	xit	PROPN
cjfa-38808	158	2	is	be	AUX
cjfa-38808	158	3	a	a	DET
cjfa-38808	158	4	vector	vector	NOUN
cjfa-38808	158	5	of	of	ADP
cjfa-38808	158	6	three	three	NUM
cjfa-38808	158	7	bank	bank	NOUN
cjfa-38808	158	8	specific	specific	ADJ
cjfa-38808	158	9	variables	variable	NOUN
cjfa-38808	158	10	which	which	PRON
cjfa-38808	158	11	are	be	AUX
cjfa-38808	158	12	:	:	PUNCT
cjfa-38808	158	13	earning	earn	VERB
cjfa-38808	158	14	assets	asset	NOUN
cjfa-38808	158	15	,	,	PUNCT
cjfa-38808	158	16	equity	equity	NOUN
cjfa-38808	158	17	buffer	buffer	NOUN
cjfa-38808	158	18	,	,	PUNCT
cjfa-38808	158	19	and	and	CCONJ
cjfa-38808	158	20	the	the	DET
cjfa-38808	158	21	size	size	NOUN
cjfa-38808	158	22	of	of	ADP
cjfa-38808	158	23	the	the	DET
cjfa-38808	158	24	bank	bank	NOUN
cjfa-38808	158	25	.	.	PUNCT
cjfa-38808	159	1	ɛit	ɛit	NOUN
cjfa-38808	159	2	is	be	AUX
cjfa-38808	159	3	an	an	DET
cjfa-38808	159	4	error	error	NOUN
cjfa-38808	159	5	term	term	NOUN
cjfa-38808	159	6	.	.	PUNCT
cjfa-38808	160	1	table	table	NOUN
cjfa-38808	160	2	2	2	NUM
cjfa-38808	160	3	details	detail	NOUN
cjfa-38808	160	4	the	the	DET
cjfa-38808	160	5	measurements	measurement	NOUN
cjfa-38808	160	6	of	of	ADP
cjfa-38808	160	7	the	the	DET
cjfa-38808	160	8	bank	bank	NOUN
cjfa-38808	160	9	specific	specific	ADJ
cjfa-38808	160	10	variables	variable	NOUN
cjfa-38808	160	11	table	table	NOUN
cjfa-38808	160	12	2	2	NUM
cjfa-38808	160	13	.	.	X
cjfa-38808	160	14	bank	bank	NOUN
cjfa-38808	160	15	specific	specific	ADJ
cjfa-38808	160	16	variables	variable	NOUN
cjfa-38808	160	17	’	'	PUNCT
cjfa-38808	160	18	measurements	measurement	NOUN
cjfa-38808	160	19	variables	variable	NOUN
cjfa-38808	160	20	measurements	measurement	NOUN
cjfa-38808	160	21	size	size	VERB
cjfa-38808	160	22	log	log	NOUN
cjfa-38808	160	23	of	of	ADP
cjfa-38808	160	24	total	total	ADJ
cjfa-38808	160	25	assets	asset	NOUN
cjfa-38808	160	26	earning	earn	VERB
cjfa-38808	160	27	assets	asset	NOUN
cjfa-38808	160	28	net	net	ADJ
cjfa-38808	160	29	loans	loan	NOUN
cjfa-38808	160	30	+	+	CCONJ
cjfa-38808	160	31	other	other	ADJ
cjfa-38808	160	32	performing	perform	VERB
cjfa-38808	160	33	assets	asset	NOUN
cjfa-38808	160	34	equity	equity	NOUN
cjfa-38808	160	35	buffer	buffer	VERB
cjfa-38808	160	36	equity/	equity/	NUM
cjfa-38808	160	37	total	total	ADJ
cjfa-38808	160	38	assets	asset	NOUN
cjfa-38808	160	39	s	s	PART
cjfa-38808	160	40	o	o	NOUN
cjfa-38808	160	41	u	u	NOUN
cjfa-38808	160	42	r	r	NOUN
cjfa-38808	160	43	c	c	NOUN
cjfa-38808	160	44	e	e	NOUN
cjfa-38808	160	45	:	:	PUNCT
cjfa-38808	160	46	own	own	ADJ
cjfa-38808	160	47	elaboration	elaboration	NOUN
cjfa-38808	160	48	.	.	PUNCT
cjfa-38808	161	1	the	the	DET
cjfa-38808	161	2	outcome	outcome	NOUN
cjfa-38808	161	3	of	of	ADP
cjfa-38808	161	4	the	the	DET
cjfa-38808	161	5	research	research	NOUN
cjfa-38808	161	6	process	process	NOUN
cjfa-38808	161	7	and	and	CCONJ
cjfa-38808	161	8	conclusion	conclusion	NOUN
cjfa-38808	161	9	empirical	empirical	ADJ
cjfa-38808	161	10	results	result	NOUN
cjfa-38808	161	11	and	and	CCONJ
cjfa-38808	161	12	comments	comment	NOUN
cjfa-38808	161	13	cost	cost	NOUN
cjfa-38808	161	14	efficiency	efficiency	NOUN
cjfa-38808	161	15	of	of	ADP
cjfa-38808	161	16	islamic	islamic	ADJ
cjfa-38808	161	17	and	and	CCONJ
cjfa-38808	161	18	conventional	conventional	ADJ
cjfa-38808	161	19	banks	bank	NOUN
cjfa-38808	161	20	:	:	PUNCT
cjfa-38808	161	21	a	a	DET
cjfa-38808	161	22	comparative	comparative	ADJ
cjfa-38808	161	23	analysis	analysis	NOUN
cjfa-38808	161	24	the	the	DET
cjfa-38808	161	25	comparative	comparative	ADJ
cjfa-38808	161	26	analysis	analysis	NOUN
cjfa-38808	161	27	of	of	ADP
cjfa-38808	161	28	cost	cost	NOUN
cjfa-38808	161	29	efficiency	efficiency	NOUN
cjfa-38808	161	30	between	between	ADP
cjfa-38808	161	31	islamic	islamic	ADJ
cjfa-38808	161	32	and	and	CCONJ
cjfa-38808	161	33	conventional	conventional	ADJ
cjfa-38808	161	34	banks	bank	NOUN
cjfa-38808	161	35	is	be	AUX
cjfa-38808	161	36	done	do	VERB
cjfa-38808	161	37	first	first	ADV
cjfa-38808	161	38	on	on	ADP
cjfa-38808	161	39	the	the	DET
cjfa-38808	161	40	basis	basis	NOUN
cjfa-38808	161	41	of	of	ADP
cjfa-38808	161	42	descriptive	descriptive	ADJ
cjfa-38808	161	43	statistics	statistic	NOUN
cjfa-38808	161	44	of	of	ADP
cjfa-38808	161	45	two	two	NUM
cjfa-38808	161	46	considered	consider	VERB
cjfa-38808	161	47	efficiency	efficiency	NOUN
cjfa-38808	161	48	measures	measure	NOUN
cjfa-38808	161	49	and	and	CCONJ
cjfa-38808	161	50	then	then	ADV
cjfa-38808	161	51	by	by	ADP
cjfa-38808	161	52	estimating	estimate	VERB
cjfa-38808	161	53	model	model	NOUN
cjfa-38808	161	54	(	(	PUNCT
cjfa-38808	161	55	2	2	NUM
cjfa-38808	161	56	)	)	PUNCT
cjfa-38808	161	57	above	above	ADV
cjfa-38808	161	58	.	.	PUNCT
cjfa-38808	162	1	table	table	NOUN
cjfa-38808	162	2	3	3	NUM
cjfa-38808	162	3	below	below	ADV
cjfa-38808	162	4	provides	provide	VERB
cjfa-38808	162	5	a	a	DET
cjfa-38808	162	6	summary	summary	NOUN
cjfa-38808	162	7	of	of	ADP
cjfa-38808	162	8	the	the	DET
cjfa-38808	162	9	main	main	ADJ
cjfa-38808	162	10	descriptive	descriptive	ADJ
cjfa-38808	162	11	statistics	statistic	NOUN
cjfa-38808	162	12	of	of	ADP
cjfa-38808	162	13	the	the	DET
cjfa-38808	162	14	efficiency	efficiency	NOUN
cjfa-38808	162	15	measures	measure	NOUN
cjfa-38808	162	16	,	,	PUNCT
cjfa-38808	162	17	efficiency	efficiency	NOUN
cjfa-38808	162	18	score	score	NOUN
cjfa-38808	162	19	(	(	PUNCT
cjfa-38808	162	20	sfa	sfa	NOUN
cjfa-38808	162	21	)	)	PUNCT
cjfa-38808	162	22	and	and	CCONJ
cjfa-38808	162	23	cost	cost	NOUN
cjfa-38808	162	24	-	-	PUNCT
cjfa-38808	162	25	to	to	ADP
cjfa-38808	162	26	-	-	PUNCT
cjfa-38808	162	27	income	income	NOUN
cjfa-38808	162	28	ratio	ratio	NOUN
cjfa-38808	162	29	(	(	PUNCT
cjfa-38808	162	30	cir	cir	NOUN
cjfa-38808	162	31	)	)	PUNCT
cjfa-38808	162	32	,	,	PUNCT
cjfa-38808	162	33	for	for	ADP
cjfa-38808	162	34	each	each	DET
cjfa-38808	162	35	category	category	NOUN
cjfa-38808	162	36	of	of	ADP
cjfa-38808	162	37	banks	bank	NOUN
cjfa-38808	162	38	during	during	ADP
cjfa-38808	162	39	the	the	DET
cjfa-38808	162	40	study	study	NOUN
cjfa-38808	162	41	period	period	NOUN
cjfa-38808	162	42	.	.	PUNCT
cjfa-38808	163	1	banking	banking	NOUN
cjfa-38808	163	2	efficiency	efficiency	NOUN
cjfa-38808	163	3	:	:	PUNCT
cjfa-38808	163	4	a	a	DET
cjfa-38808	163	5	comparative	comparative	ADJ
cjfa-38808	163	6	study	study	NOUN
cjfa-38808	163	7	…	…	PUNCT
cjfa-38808	163	8	99	99	NUM
cjfa-38808	163	9	table	table	NOUN
cjfa-38808	163	10	3	3	NUM
cjfa-38808	163	11	.	.	PUNCT
cjfa-38808	163	12	descriptive	descriptive	ADJ
cjfa-38808	163	13	statistics	statistic	NOUN
cjfa-38808	163	14	of	of	ADP
cjfa-38808	163	15	efficiency	efficiency	NOUN
cjfa-38808	163	16	measures	measure	NOUN
cjfa-38808	163	17	variables	variable	NOUN
cjfa-38808	163	18	conventional	conventional	ADJ
cjfa-38808	163	19	banks	bank	NOUN
cjfa-38808	163	20	islamic	islamic	ADJ
cjfa-38808	163	21	banks	bank	NOUN
cjfa-38808	163	22	mean	mean	VERB
cjfa-38808	163	23	standard	standard	ADJ
cjfa-38808	163	24	deviation	deviation	NOUN
cjfa-38808	163	25	min	min	NOUN
cjfa-38808	163	26	max	max	PROPN
cjfa-38808	163	27	mean	mean	VERB
cjfa-38808	163	28	standard	standard	ADJ
cjfa-38808	163	29	deviation	deviation	NOUN
cjfa-38808	163	30	min	min	PROPN
cjfa-38808	163	31	max	max	PROPN
cjfa-38808	163	32	sfa	sfa	PROPN
cjfa-38808	163	33	2.395	2.395	NUM
cjfa-38808	163	34	0.620	0.620	NUM
cjfa-38808	163	35	-0.398	-0.398	PUNCT
cjfa-38808	163	36	3.433	3.433	NUM
cjfa-38808	163	37	2.022	2.022	NUM
cjfa-38808	163	38	0.829	0.829	NUM
cjfa-38808	163	39	-0.358	-0.358	NOUN
cjfa-38808	163	40	4.864	4.864	NUM
cjfa-38808	163	41	cir	cir	NOUN
cjfa-38808	163	42	38.351	38.351	NUM
cjfa-38808	163	43	28.078	28.078	NUM
cjfa-38808	163	44	1.74	1.74	NUM
cjfa-38808	163	45	333.3	333.3	NUM
cjfa-38808	163	46	103.897	103.897	NUM
cjfa-38808	163	47	144.896	144.896	NUM
cjfa-38808	163	48	10.088	10.088	NUM
cjfa-38808	163	49	950	950	NUM
cjfa-38808	163	50	s	s	NOUN
cjfa-38808	163	51	o	o	NOUN
cjfa-38808	163	52	u	u	NOUN
cjfa-38808	163	53	r	r	NOUN
cjfa-38808	163	54	c	c	NOUN
cjfa-38808	163	55	e	e	NOUN
cjfa-38808	163	56	:	:	PUNCT
cjfa-38808	163	57	own	own	ADJ
cjfa-38808	163	58	elaboration	elaboration	NOUN
cjfa-38808	163	59	.	.	PUNCT
cjfa-38808	164	1	table	table	NOUN
cjfa-38808	164	2	3	3	NUM
cjfa-38808	164	3	shows	show	VERB
cjfa-38808	164	4	that	that	SCONJ
cjfa-38808	164	5	,	,	PUNCT
cjfa-38808	164	6	on	on	ADP
cjfa-38808	164	7	average	average	ADJ
cjfa-38808	164	8	,	,	PUNCT
cjfa-38808	164	9	the	the	DET
cjfa-38808	164	10	efficiency	efficiency	NOUN
cjfa-38808	164	11	score	score	NOUN
cjfa-38808	164	12	(	(	PUNCT
cjfa-38808	164	13	sfa	sfa	PROPN
cjfa-38808	164	14	)	)	PUNCT
cjfa-38808	164	15	is	be	AUX
cjfa-38808	164	16	slightly	slightly	ADV
cjfa-38808	164	17	higher	high	ADJ
cjfa-38808	164	18	for	for	ADP
cjfa-38808	164	19	conventional	conventional	ADJ
cjfa-38808	164	20	banks	bank	NOUN
cjfa-38808	164	21	(	(	PUNCT
cjfa-38808	164	22	an	an	DET
cjfa-38808	164	23	average	average	NOUN
cjfa-38808	164	24	of	of	ADP
cjfa-38808	164	25	2.395	2.395	NUM
cjfa-38808	164	26	versus	versus	ADP
cjfa-38808	164	27	2.022	2.022	NUM
cjfa-38808	164	28	for	for	ADP
cjfa-38808	164	29	islamic	islamic	ADJ
cjfa-38808	164	30	banks	bank	NOUN
cjfa-38808	164	31	)	)	PUNCT
cjfa-38808	164	32	,	,	PUNCT
cjfa-38808	164	33	implying	imply	VERB
cjfa-38808	164	34	that	that	SCONJ
cjfa-38808	164	35	,	,	PUNCT
cjfa-38808	164	36	overall	overall	ADV
cjfa-38808	164	37	,	,	PUNCT
cjfa-38808	164	38	they	they	PRON
cjfa-38808	164	39	are	be	AUX
cjfa-38808	164	40	more	more	ADV
cjfa-38808	164	41	efficient	efficient	ADJ
cjfa-38808	164	42	than	than	ADP
cjfa-38808	164	43	islamic	islamic	ADJ
cjfa-38808	164	44	banks	bank	NOUN
cjfa-38808	164	45	.	.	PUNCT
cjfa-38808	165	1	the	the	DET
cjfa-38808	165	2	range	range	NOUN
cjfa-38808	165	3	of	of	ADP
cjfa-38808	165	4	variation	variation	NOUN
cjfa-38808	165	5	in	in	ADP
cjfa-38808	165	6	this	this	DET
cjfa-38808	165	7	measure	measure	NOUN
cjfa-38808	165	8	of	of	ADP
cjfa-38808	165	9	efficiency	efficiency	NOUN
cjfa-38808	165	10	among	among	ADP
cjfa-38808	165	11	islamic	islamic	ADJ
cjfa-38808	165	12	banks	bank	NOUN
cjfa-38808	165	13	is	be	AUX
cjfa-38808	165	14	larger	large	ADJ
cjfa-38808	165	15	(	(	PUNCT
cjfa-38808	165	16	standard	standard	ADJ
cjfa-38808	165	17	deviation	deviation	NOUN
cjfa-38808	165	18	=	=	NOUN
cjfa-38808	165	19	0.829	0.829	NUM
cjfa-38808	165	20	)	)	PUNCT
cjfa-38808	165	21	than	than	ADP
cjfa-38808	165	22	among	among	ADP
cjfa-38808	165	23	conventional	conventional	ADJ
cjfa-38808	165	24	banks	bank	NOUN
cjfa-38808	165	25	(	(	PUNCT
cjfa-38808	165	26	standard	standard	ADJ
cjfa-38808	165	27	deviation	deviation	NOUN
cjfa-38808	165	28	=	=	SYM
cjfa-38808	165	29	0.620	0.620	NUM
cjfa-38808	165	30	)	)	PUNCT
cjfa-38808	165	31	,	,	PUNCT
cjfa-38808	165	32	indicating	indicate	VERB
cjfa-38808	165	33	that	that	SCONJ
cjfa-38808	165	34	conventional	conventional	ADJ
cjfa-38808	165	35	banks	bank	NOUN
cjfa-38808	165	36	are	be	AUX
cjfa-38808	165	37	more	more	ADV
cjfa-38808	165	38	consistent	consistent	ADJ
cjfa-38808	165	39	in	in	ADP
cjfa-38808	165	40	terms	term	NOUN
cjfa-38808	165	41	of	of	ADP
cjfa-38808	165	42	achieving	achieve	VERB
cjfa-38808	165	43	cost	cost	NOUN
cjfa-38808	165	44	efficiency	efficiency	NOUN
cjfa-38808	165	45	than	than	ADP
cjfa-38808	165	46	islamic	islamic	ADJ
cjfa-38808	165	47	banks	bank	NOUN
cjfa-38808	165	48	.	.	PUNCT
cjfa-38808	166	1	similarly	similarly	ADV
cjfa-38808	166	2	,	,	PUNCT
cjfa-38808	166	3	the	the	DET
cjfa-38808	166	4	cost	cost	NOUN
cjfa-38808	166	5	/	/	SYM
cjfa-38808	166	6	income	income	NOUN
cjfa-38808	166	7	ratio	ratio	NOUN
cjfa-38808	166	8	varies	vary	VERB
cjfa-38808	166	9	from	from	ADP
cjfa-38808	166	10	1.74	1.74	NUM
cjfa-38808	166	11	to	to	ADP
cjfa-38808	166	12	333.3	333.3	NUM
cjfa-38808	166	13	with	with	ADP
cjfa-38808	166	14	an	an	DET
cjfa-38808	166	15	average	average	NOUN
cjfa-38808	166	16	of	of	ADP
cjfa-38808	166	17	38.351	38.351	NUM
cjfa-38808	166	18	for	for	ADP
cjfa-38808	166	19	conventional	conventional	ADJ
cjfa-38808	166	20	banks	bank	NOUN
cjfa-38808	166	21	,	,	PUNCT
cjfa-38808	166	22	and	and	CCONJ
cjfa-38808	166	23	from	from	ADP
cjfa-38808	166	24	10.088	10.088	NUM
cjfa-38808	166	25	to	to	ADP
cjfa-38808	166	26	950	950	NUM
cjfa-38808	166	27	with	with	ADP
cjfa-38808	166	28	an	an	DET
cjfa-38808	166	29	average	average	NOUN
cjfa-38808	166	30	of	of	ADP
cjfa-38808	166	31	103.897	103.897	NUM
cjfa-38808	166	32	for	for	ADP
cjfa-38808	166	33	islamic	islamic	ADJ
cjfa-38808	166	34	banks	bank	NOUN
cjfa-38808	166	35	.	.	PUNCT
cjfa-38808	167	1	since	since	SCONJ
cjfa-38808	167	2	the	the	DET
cjfa-38808	167	3	lower	low	ADJ
cjfa-38808	167	4	this	this	DET
cjfa-38808	167	5	ratio	ratio	NOUN
cjfa-38808	167	6	,	,	PUNCT
cjfa-38808	167	7	the	the	PRON
cjfa-38808	167	8	more	more	ADV
cjfa-38808	167	9	efficient	efficient	ADJ
cjfa-38808	167	10	the	the	DET
cjfa-38808	167	11	bank	bank	NOUN
cjfa-38808	167	12	is	be	AUX
cjfa-38808	167	13	in	in	ADP
cjfa-38808	167	14	terms	term	NOUN
cjfa-38808	167	15	of	of	ADP
cjfa-38808	167	16	cost	cost	NOUN
cjfa-38808	167	17	management	management	NOUN
cjfa-38808	167	18	,	,	PUNCT
cjfa-38808	167	19	so	so	ADV
cjfa-38808	167	20	,	,	PUNCT
cjfa-38808	167	21	islamic	islamic	ADJ
cjfa-38808	167	22	banks	bank	NOUN
cjfa-38808	167	23	seem	seem	VERB
cjfa-38808	167	24	to	to	PART
cjfa-38808	167	25	be	be	AUX
cjfa-38808	167	26	less	less	ADV
cjfa-38808	167	27	efficient	efficient	ADJ
cjfa-38808	167	28	than	than	ADP
cjfa-38808	167	29	conventional	conventional	ADJ
cjfa-38808	167	30	banks	bank	NOUN
cjfa-38808	167	31	.	.	PUNCT
cjfa-38808	168	1	to	to	PART
cjfa-38808	168	2	deepen	deepen	VERB
cjfa-38808	168	3	the	the	DET
cjfa-38808	168	4	comparative	comparative	ADJ
cjfa-38808	168	5	analysis	analysis	NOUN
cjfa-38808	168	6	of	of	ADP
cjfa-38808	168	7	the	the	DET
cjfa-38808	168	8	efficiency	efficiency	NOUN
cjfa-38808	168	9	of	of	ADP
cjfa-38808	168	10	islamic	islamic	ADJ
cjfa-38808	168	11	and	and	CCONJ
cjfa-38808	168	12	conventional	conventional	ADJ
cjfa-38808	168	13	banks	bank	NOUN
cjfa-38808	168	14	from	from	ADP
cjfa-38808	168	15	descriptive	descriptive	ADJ
cjfa-38808	168	16	statistics	statistic	NOUN
cjfa-38808	168	17	of	of	ADP
cjfa-38808	168	18	the	the	DET
cjfa-38808	168	19	efficiency	efficiency	NOUN
cjfa-38808	168	20	score	score	NOUN
cjfa-38808	168	21	(	(	PUNCT
cjfa-38808	168	22	sfa	sfa	PROPN
cjfa-38808	168	23	)	)	PUNCT
cjfa-38808	168	24	and	and	CCONJ
cjfa-38808	168	25	the	the	DET
cjfa-38808	168	26	cost	cost	NOUN
cjfa-38808	168	27	/	/	SYM
cjfa-38808	168	28	income	income	NOUN
cjfa-38808	168	29	ratio	ratio	NOUN
cjfa-38808	168	30	(	(	PUNCT
cjfa-38808	168	31	cir	cir	NOUN
cjfa-38808	168	32	)	)	PUNCT
cjfa-38808	168	33	,	,	PUNCT
cjfa-38808	168	34	the	the	DET
cjfa-38808	168	35	average	average	ADJ
cjfa-38808	168	36	annual	annual	ADJ
cjfa-38808	168	37	values	value	NOUN
cjfa-38808	168	38	of	of	ADP
cjfa-38808	168	39	these	these	DET
cjfa-38808	168	40	two	two	NUM
cjfa-38808	168	41	efficiency	efficiency	NOUN
cjfa-38808	168	42	measures	measure	NOUN
cjfa-38808	168	43	are	be	AUX
cjfa-38808	168	44	calculated	calculate	VERB
cjfa-38808	168	45	for	for	ADP
cjfa-38808	168	46	each	each	DET
cjfa-38808	168	47	category	category	NOUN
cjfa-38808	168	48	of	of	ADP
cjfa-38808	168	49	banks	bank	NOUN
cjfa-38808	168	50	in	in	ADP
cjfa-38808	168	51	order	order	NOUN
cjfa-38808	168	52	to	to	PART
cjfa-38808	168	53	assess	assess	VERB
cjfa-38808	168	54	their	their	PRON
cjfa-38808	168	55	efficiency	efficiency	NOUN
cjfa-38808	168	56	during	during	ADP
cjfa-38808	168	57	the	the	DET
cjfa-38808	168	58	2008	2008	NUM
cjfa-38808	168	59	crisis	crisis	NOUN
cjfa-38808	168	60	period	period	NOUN
cjfa-38808	168	61	.	.	PUNCT
cjfa-38808	169	1	the	the	DET
cjfa-38808	169	2	results	result	NOUN
cjfa-38808	169	3	are	be	AUX
cjfa-38808	169	4	summarized	summarize	VERB
cjfa-38808	169	5	in	in	ADP
cjfa-38808	169	6	table	table	NOUN
cjfa-38808	169	7	4	4	NUM
cjfa-38808	169	8	below	below	ADV
cjfa-38808	169	9	.	.	PUNCT
cjfa-38808	170	1	table	table	NOUN
cjfa-38808	170	2	4	4	NUM
cjfa-38808	170	3	.	.	X
cjfa-38808	170	4	average	average	ADJ
cjfa-38808	170	5	cost	cost	NOUN
cjfa-38808	170	6	efficiency	efficiency	NOUN
cjfa-38808	170	7	score	score	NOUN
cjfa-38808	170	8	and	and	CCONJ
cjfa-38808	170	9	cost	cost	NOUN
cjfa-38808	170	10	/	/	SYM
cjfa-38808	170	11	income	income	NOUN
cjfa-38808	170	12	ratio	ratio	NOUN
cjfa-38808	170	13	by	by	ADP
cjfa-38808	170	14	year	year	NOUN
cjfa-38808	170	15	islamic	islamic	ADJ
cjfa-38808	170	16	banks	bank	NOUN
cjfa-38808	170	17	conventional	conventional	ADJ
cjfa-38808	170	18	banks	bank	NOUN
cjfa-38808	170	19	sfa	sfa	PROPN
cjfa-38808	170	20	cir	cir	PROPN
cjfa-38808	170	21	sfa	sfa	PROPN
cjfa-38808	170	22	cir	cir	PROPN
cjfa-38808	170	23	2006	2006	NUM
cjfa-38808	170	24	1.821	1.821	NUM
cjfa-38808	170	25	80.940	80.940	NUM
cjfa-38808	170	26	2.260	2.260	NUM
cjfa-38808	170	27	42.850	42.850	NUM
cjfa-38808	170	28	2007	2007	NUM
cjfa-38808	170	29	1.946	1.946	NUM
cjfa-38808	170	30	90.321	90.321	NUM
cjfa-38808	170	31	2.389	2.389	NUM
cjfa-38808	170	32	42.954	42.954	NUM
cjfa-38808	170	33	r.	r.	PROPN
cjfa-38808	170	34	b.	b.	PROPN
cjfa-38808	170	35	slimen	slimen	PROPN
cjfa-38808	170	36	,	,	PUNCT
cjfa-38808	170	37	f.	f.	PROPN
cjfa-38808	170	38	belhaj	belhaj	PROPN
cjfa-38808	170	39	,	,	PUNCT
cjfa-38808	170	40	m.	m.	NOUN
cjfa-38808	170	41	hadriche	hadriche	NOUN
cjfa-38808	170	42	,	,	PUNCT
cjfa-38808	170	43	m.	m.	PROPN
cjfa-38808	170	44	ghroubi100	ghroubi100	PROPN
cjfa-38808	170	45	islamic	islamic	ADJ
cjfa-38808	170	46	banks	bank	NOUN
cjfa-38808	170	47	conventional	conventional	ADJ
cjfa-38808	170	48	banks	bank	NOUN
cjfa-38808	170	49	sfa	sfa	PROPN
cjfa-38808	170	50	cir	cir	PROPN
cjfa-38808	170	51	sfa	sfa	PROPN
cjfa-38808	170	52	cir	cir	PROPN
cjfa-38808	170	53	2008	2008	NUM
cjfa-38808	170	54	2.026	2.026	NUM
cjfa-38808	170	55	97.870	97.870	NUM
cjfa-38808	170	56	2.457	2.457	NUM
cjfa-38808	170	57	43.230	43.230	NUM
cjfa-38808	170	58	2009	2009	NUM
cjfa-38808	171	1	2.021	2.021	NUM
cjfa-38808	171	2	115.916	115.916	NUM
cjfa-38808	171	3	2.431	2.431	NUM
cjfa-38808	171	4	40.442	40.442	NUM
cjfa-38808	171	5	2010	2010	NUM
cjfa-38808	171	6	1.997	1.997	NUM
cjfa-38808	171	7	118.130	118.130	NUM
cjfa-38808	171	8	2.392	2.392	NUM
cjfa-38808	171	9	37.022	37.022	NUM
cjfa-38808	171	10	2011	2011	NUM
cjfa-38808	171	11	2.013	2.013	NUM
cjfa-38808	171	12	128.068	128.068	NUM
cjfa-38808	171	13	2.370	2.370	NUM
cjfa-38808	171	14	36.554	36.554	NUM
cjfa-38808	171	15	2012	2012	NUM
cjfa-38808	171	16	2.036	2.036	NUM
cjfa-38808	171	17	140.740	140.740	NUM
cjfa-38808	171	18	2.396	2.396	NUM
cjfa-38808	171	19	35.941	35.941	NUM
cjfa-38808	171	20	2013	2013	NUM
cjfa-38808	171	21	2.087	2.087	NUM
cjfa-38808	171	22	98.204	98.204	NUM
cjfa-38808	171	23	2.406	2.406	NUM
cjfa-38808	171	24	37.066	37.066	NUM
cjfa-38808	171	25	2014	2014	NUM
cjfa-38808	171	26	2.137	2.137	NUM
cjfa-38808	171	27	93.327	93.327	NUM
cjfa-38808	171	28	2.428	2.428	NUM
cjfa-38808	171	29	33.435	33.435	NUM
cjfa-38808	171	30	2015	2015	NUM
cjfa-38808	171	31	2.136	2.136	NUM
cjfa-38808	171	32	75.462	75.462	NUM
cjfa-38808	171	33	2.428	2.428	NUM
cjfa-38808	171	34	34.018	34.018	NUM
cjfa-38808	171	35	s	s	PART
cjfa-38808	171	36	o	o	NOUN
cjfa-38808	171	37	u	u	NOUN
cjfa-38808	171	38	r	r	NOUN
cjfa-38808	171	39	c	c	NOUN
cjfa-38808	171	40	e	e	NOUN
cjfa-38808	171	41	:	:	PUNCT
cjfa-38808	171	42	own	own	ADJ
cjfa-38808	171	43	elaboration	elaboration	NOUN
cjfa-38808	171	44	.	.	PUNCT
cjfa-38808	172	1	table	table	NOUN
cjfa-38808	172	2	4	4	NUM
cjfa-38808	172	3	shows	show	VERB
cjfa-38808	172	4	that	that	SCONJ
cjfa-38808	172	5	conventional	conventional	ADJ
cjfa-38808	172	6	banks	bank	NOUN
cjfa-38808	172	7	were	be	AUX
cjfa-38808	172	8	more	more	ADV
cjfa-38808	172	9	efficient	efficient	ADJ
cjfa-38808	172	10	than	than	ADP
cjfa-38808	172	11	islamic	islamic	ADJ
cjfa-38808	172	12	banks	bank	NOUN
cjfa-38808	172	13	during	during	ADP
cjfa-38808	172	14	the	the	DET
cjfa-38808	172	15	crisis	crisis	NOUN
cjfa-38808	172	16	period	period	NOUN
cjfa-38808	172	17	(	(	PUNCT
cjfa-38808	172	18	2007–2008	2007–2008	NOUN
cjfa-38808	172	19	)	)	PUNCT
cjfa-38808	172	20	,	,	PUNCT
cjfa-38808	172	21	given	give	VERB
cjfa-38808	172	22	their	their	PRON
cjfa-38808	172	23	lower	low	ADJ
cjfa-38808	172	24	cir	cir	NOUN
cjfa-38808	172	25	ratio	ratio	NOUN
cjfa-38808	172	26	values	value	NOUN
cjfa-38808	172	27	and	and	CCONJ
cjfa-38808	172	28	higher	high	ADJ
cjfa-38808	172	29	sfa	sfa	NOUN
cjfa-38808	172	30	values	value	NOUN
cjfa-38808	172	31	in	in	ADP
cjfa-38808	172	32	2007	2007	NUM
cjfa-38808	172	33	and	and	CCONJ
cjfa-38808	172	34	2008	2008	NUM
cjfa-38808	172	35	compared	compare	VERB
cjfa-38808	172	36	to	to	ADP
cjfa-38808	172	37	those	those	PRON
cjfa-38808	172	38	of	of	ADP
cjfa-38808	172	39	islamic	islamic	ADJ
cjfa-38808	172	40	banks	bank	NOUN
cjfa-38808	172	41	.	.	PUNCT
cjfa-38808	173	1	thus	thus	ADV
cjfa-38808	173	2	,	,	PUNCT
cjfa-38808	173	3	conventional	conventional	ADJ
cjfa-38808	173	4	banks	bank	NOUN
cjfa-38808	173	5	remain	remain	VERB
cjfa-38808	173	6	relatively	relatively	ADV
cjfa-38808	173	7	more	more	ADV
cjfa-38808	173	8	efficient	efficient	ADJ
cjfa-38808	173	9	than	than	ADP
cjfa-38808	173	10	islamic	islamic	ADJ
cjfa-38808	173	11	banks	bank	NOUN
cjfa-38808	173	12	even	even	ADV
cjfa-38808	173	13	in	in	ADP
cjfa-38808	173	14	the	the	DET
cjfa-38808	173	15	period	period	NOUN
cjfa-38808	173	16	of	of	ADP
cjfa-38808	173	17	crisis	crisis	NOUN
cjfa-38808	173	18	.	.	PUNCT
cjfa-38808	174	1	however	however	ADV
cjfa-38808	174	2	,	,	PUNCT
cjfa-38808	174	3	looking	look	VERB
cjfa-38808	174	4	at	at	ADP
cjfa-38808	174	5	the	the	DET
cjfa-38808	174	6	efficiency	efficiency	NOUN
cjfa-38808	174	7	score	score	NOUN
cjfa-38808	174	8	(	(	PUNCT
cjfa-38808	174	9	sfa	sfa	PROPN
cjfa-38808	174	10	)	)	PUNCT
cjfa-38808	174	11	,	,	PUNCT
cjfa-38808	174	12	the	the	DET
cjfa-38808	174	13	results	result	NOUN
cjfa-38808	174	14	show	show	VERB
cjfa-38808	174	15	that	that	SCONJ
cjfa-38808	174	16	islamic	islamic	ADJ
cjfa-38808	174	17	banks	bank	NOUN
cjfa-38808	174	18	were	be	AUX
cjfa-38808	174	19	also	also	ADV
cjfa-38808	174	20	efficient	efficient	ADJ
cjfa-38808	174	21	during	during	ADP
cjfa-38808	174	22	the	the	DET
cjfa-38808	174	23	crisis	crisis	NOUN
cjfa-38808	174	24	period	period	NOUN
cjfa-38808	174	25	.	.	PUNCT
cjfa-38808	175	1	regression	regression	NOUN
cjfa-38808	175	2	results	result	NOUN
cjfa-38808	175	3	,	,	PUNCT
cjfa-38808	175	4	considering	consider	VERB
cjfa-38808	175	5	the	the	DET
cjfa-38808	175	6	two	two	NUM
cjfa-38808	175	7	efficiency	efficiency	NOUN
cjfa-38808	175	8	measures	measure	NOUN
cjfa-38808	175	9	mentioned	mention	VERB
cjfa-38808	175	10	above	above	ADV
cjfa-38808	175	11	,	,	PUNCT
cjfa-38808	175	12	are	be	AUX
cjfa-38808	175	13	summarized	summarize	VERB
cjfa-38808	175	14	in	in	ADP
cjfa-38808	175	15	table	table	NOUN
cjfa-38808	175	16	5	5	NUM
cjfa-38808	175	17	below	below	ADV
cjfa-38808	175	18	.	.	PUNCT
cjfa-38808	176	1	table	table	NOUN
cjfa-38808	176	2	5	5	NUM
cjfa-38808	176	3	.	.	PUNCT
cjfa-38808	177	1	cost	cost	NOUN
cjfa-38808	177	2	efficiency	efficiency	NOUN
cjfa-38808	177	3	of	of	ADP
cjfa-38808	177	4	islamic	islamic	ADJ
cjfa-38808	177	5	and	and	CCONJ
cjfa-38808	177	6	conventional	conventional	ADJ
cjfa-38808	177	7	banks	bank	NOUN
cjfa-38808	177	8	sfa	sfa	PROPN
cjfa-38808	177	9	cir	cir	PROPN
cjfa-38808	177	10	dummy	dummy	PROPN
cjfa-38808	177	11	-0.407	-0.407	PUNCT
cjfa-38808	177	12	(	(	PUNCT
cjfa-38808	177	13	0.000	0.000	NUM
cjfa-38808	177	14	)	)	PUNCT
cjfa-38808	178	1	*	*	PUNCT
cjfa-38808	179	1	*	*	PUNCT
cjfa-38808	179	2	*	*	PUNCT
cjfa-38808	179	3	64.156	64.156	NUM
cjfa-38808	179	4	(	(	PUNCT
cjfa-38808	179	5	0.000	0.000	NUM
cjfa-38808	179	6	)	)	PUNCT
cjfa-38808	179	7	*	*	PUNCT
cjfa-38808	180	1	*	*	PUNCT
cjfa-38808	180	2	*	*	PUNCT
cjfa-38808	180	3	constant	constant	ADJ
cjfa-38808	180	4	2.395	2.395	NUM
cjfa-38808	180	5	(	(	PUNCT
cjfa-38808	180	6	0.000	0.000	NUM
cjfa-38808	180	7	)	)	PUNCT
cjfa-38808	180	8	*	*	PUNCT
cjfa-38808	181	1	*	*	PUNCT
cjfa-38808	181	2	*	*	PUNCT
cjfa-38808	181	3	38.351	38.351	NUM
cjfa-38808	181	4	(	(	PUNCT
cjfa-38808	181	5	0.000	0.000	NUM
cjfa-38808	181	6	)	)	PUNCT
cjfa-38808	181	7	*	*	PUNCT
cjfa-38808	181	8	*	*	PUNCT
cjfa-38808	181	9	*	*	PUNCT
cjfa-38808	181	10	adjusted	adjusted	ADJ
cjfa-38808	181	11	r2	r2	NOUN
cjfa-38808	181	12	0.0715	0.0715	NUM
cjfa-38808	181	13	0.0878	0.0878	NUM
cjfa-38808	181	14	the	the	DET
cjfa-38808	181	15	figures	figure	NOUN
cjfa-38808	181	16	in	in	ADP
cjfa-38808	181	17	brackets	bracket	NOUN
cjfa-38808	181	18	are	be	AUX
cjfa-38808	181	19	the	the	DET
cjfa-38808	181	20	capital	capital	NOUN
cjfa-38808	181	21	gains	gain	NOUN
cjfa-38808	181	22	.	.	PUNCT
cjfa-38808	182	1	*	*	PUNCT
cjfa-38808	182	2	:	:	PUNCT
cjfa-38808	182	3	significant	significant	ADJ
cjfa-38808	182	4	at	at	ADP
cjfa-38808	182	5	10	10	NUM
cjfa-38808	182	6	%	%	NOUN
cjfa-38808	182	7	 	 	SPACE
cjfa-38808	182	8	*	*	PUNCT
cjfa-38808	183	1	*	*	PUNCT
cjfa-38808	183	2	:	:	PUNCT
cjfa-38808	183	3	significant	significant	ADJ
cjfa-38808	183	4	at	at	ADP
cjfa-38808	183	5	5	5	NUM
cjfa-38808	183	6	%	%	NOUN
cjfa-38808	183	7	 	 	SPACE
cjfa-38808	183	8	*	*	PUNCT
cjfa-38808	184	1	*	*	PUNCT
cjfa-38808	184	2	*	*	PUNCT
cjfa-38808	184	3	:	:	PUNCT
cjfa-38808	184	4	significant	significant	ADJ
cjfa-38808	184	5	at	at	ADP
cjfa-38808	184	6	1	1	NUM
cjfa-38808	184	7	%	%	NOUN
cjfa-38808	184	8	s	s	PART
cjfa-38808	184	9	o	o	NOUN
cjfa-38808	184	10	u	u	NOUN
cjfa-38808	184	11	r	r	NOUN
cjfa-38808	184	12	c	c	NOUN
cjfa-38808	184	13	e	e	NOUN
cjfa-38808	184	14	:	:	PUNCT
cjfa-38808	184	15	own	own	ADJ
cjfa-38808	184	16	elaboration	elaboration	NOUN
cjfa-38808	184	17	.	.	PUNCT
cjfa-38808	185	1	table	table	NOUN
cjfa-38808	185	2	4	4	NUM
cjfa-38808	185	3	.	.	PUNCT
cjfa-38808	185	4	average	average	ADJ
cjfa-38808	185	5	…	…	PUNCT
cjfa-38808	185	6	banking	banking	NOUN
cjfa-38808	185	7	efficiency	efficiency	NOUN
cjfa-38808	185	8	:	:	PUNCT
cjfa-38808	185	9	a	a	DET
cjfa-38808	185	10	comparative	comparative	ADJ
cjfa-38808	185	11	study	study	NOUN
cjfa-38808	185	12	…	…	PUNCT
cjfa-38808	185	13	101	101	NUM
cjfa-38808	185	14	table	table	NOUN
cjfa-38808	185	15	5	5	NUM
cjfa-38808	185	16	reports	report	VERB
cjfa-38808	185	17	the	the	DET
cjfa-38808	185	18	results	result	NOUN
cjfa-38808	185	19	of	of	ADP
cjfa-38808	185	20	the	the	DET
cjfa-38808	185	21	estimations	estimation	NOUN
cjfa-38808	185	22	of	of	ADP
cjfa-38808	185	23	model	model	NOUN
cjfa-38808	185	24	(	(	PUNCT
cjfa-38808	185	25	2	2	NUM
cjfa-38808	185	26	)	)	PUNCT
cjfa-38808	185	27	.	.	PUNCT
cjfa-38808	186	1	the	the	DET
cjfa-38808	186	2	results	result	NOUN
cjfa-38808	186	3	are	be	AUX
cjfa-38808	186	4	consistent	consistent	ADJ
cjfa-38808	186	5	with	with	ADP
cjfa-38808	186	6	the	the	DET
cjfa-38808	186	7	findings	finding	NOUN
cjfa-38808	186	8	from	from	ADP
cjfa-38808	186	9	the	the	DET
cjfa-38808	186	10	descriptive	descriptive	ADJ
cjfa-38808	186	11	statistics	statistic	NOUN
cjfa-38808	186	12	.	.	PUNCT
cjfa-38808	187	1	indeed	indeed	ADV
cjfa-38808	187	2	,	,	PUNCT
cjfa-38808	187	3	considering	consider	VERB
cjfa-38808	187	4	the	the	DET
cjfa-38808	187	5	efficiency	efficiency	NOUN
cjfa-38808	187	6	score	score	NOUN
cjfa-38808	187	7	,	,	PUNCT
cjfa-38808	187	8	results	result	NOUN
cjfa-38808	187	9	show	show	VERB
cjfa-38808	187	10	that	that	SCONJ
cjfa-38808	187	11	the	the	DET
cjfa-38808	187	12	coefficient	coefficient	NOUN
cjfa-38808	187	13	of	of	ADP
cjfa-38808	187	14	the	the	DET
cjfa-38808	187	15	dummy	dummy	ADJ
cjfa-38808	187	16	variable	variable	NOUN
cjfa-38808	187	17	is	be	AUX
cjfa-38808	187	18	significantly	significantly	ADV
cjfa-38808	187	19	negative	negative	ADJ
cjfa-38808	187	20	in	in	ADP
cjfa-38808	187	21	accordance	accordance	NOUN
cjfa-38808	187	22	with	with	ADP
cjfa-38808	187	23	the	the	DET
cjfa-38808	187	24	predictions	prediction	NOUN
cjfa-38808	187	25	of	of	ADP
cjfa-38808	187	26	the	the	DET
cjfa-38808	187	27	theorists	theorist	NOUN
cjfa-38808	187	28	implying	imply	VERB
cjfa-38808	187	29	that	that	SCONJ
cjfa-38808	187	30	islamic	islamic	ADJ
cjfa-38808	187	31	banks	bank	NOUN
cjfa-38808	187	32	are	be	AUX
cjfa-38808	187	33	less	less	ADV
cjfa-38808	187	34	efficient	efficient	ADJ
cjfa-38808	187	35	than	than	ADP
cjfa-38808	187	36	conventional	conventional	ADJ
cjfa-38808	187	37	banks	bank	NOUN
cjfa-38808	187	38	.	.	PUNCT
cjfa-38808	188	1	this	this	DET
cjfa-38808	188	2	result	result	NOUN
cjfa-38808	188	3	is	be	AUX
cjfa-38808	188	4	confirmed	confirm	VERB
cjfa-38808	188	5	by	by	ADP
cjfa-38808	188	6	considering	consider	VERB
cjfa-38808	188	7	the	the	DET
cjfa-38808	188	8	cost	cost	NOUN
cjfa-38808	188	9	-	-	PUNCT
cjfa-38808	188	10	to	to	ADP
cjfa-38808	188	11	-	-	PUNCT
cjfa-38808	188	12	income	income	NOUN
cjfa-38808	188	13	ratio	ratio	NOUN
cjfa-38808	188	14	as	as	ADP
cjfa-38808	188	15	a	a	DET
cjfa-38808	188	16	measure	measure	NOUN
cjfa-38808	188	17	of	of	ADP
cjfa-38808	188	18	banking	banking	NOUN
cjfa-38808	188	19	efficiency	efficiency	NOUN
cjfa-38808	188	20	,	,	PUNCT
cjfa-38808	188	21	given	give	VERB
cjfa-38808	188	22	the	the	DET
cjfa-38808	188	23	positivity	positivity	NOUN
cjfa-38808	188	24	of	of	ADP
cjfa-38808	188	25	the	the	DET
cjfa-38808	188	26	coefficient	coefficient	NOUN
cjfa-38808	188	27	of	of	ADP
cjfa-38808	188	28	the	the	DET
cjfa-38808	188	29	dummy	dummy	ADJ
cjfa-38808	188	30	variable	variable	NOUN
cjfa-38808	188	31	.	.	PUNCT
cjfa-38808	189	1	effect	effect	NOUN
cjfa-38808	189	2	of	of	ADP
cjfa-38808	189	3	bank	bank	NOUN
cjfa-38808	189	4	-	-	PUNCT
cjfa-38808	189	5	specific	specific	ADJ
cjfa-38808	189	6	variables	variable	NOUN
cjfa-38808	189	7	on	on	ADP
cjfa-38808	189	8	the	the	DET
cjfa-38808	189	9	banking	banking	NOUN
cjfa-38808	189	10	efficiency	efficiency	NOUN
cjfa-38808	189	11	to	to	PART
cjfa-38808	189	12	test	test	VERB
cjfa-38808	189	13	the	the	DET
cjfa-38808	189	14	differential	differential	ADJ
cjfa-38808	189	15	effects	effect	NOUN
cjfa-38808	189	16	of	of	ADP
cjfa-38808	189	17	main	main	ADJ
cjfa-38808	189	18	determinants	determinant	NOUN
cjfa-38808	189	19	of	of	ADP
cjfa-38808	189	20	banking	banking	NOUN
cjfa-38808	189	21	activity	activity	NOUN
cjfa-38808	189	22	on	on	ADP
cjfa-38808	189	23	the	the	DET
cjfa-38808	189	24	efficiency	efficiency	NOUN
cjfa-38808	189	25	of	of	ADP
cjfa-38808	189	26	islamic	islamic	ADJ
cjfa-38808	189	27	and	and	CCONJ
cjfa-38808	189	28	conventional	conventional	ADJ
cjfa-38808	189	29	banks	bank	NOUN
cjfa-38808	189	30	,	,	PUNCT
cjfa-38808	189	31	the	the	DET
cjfa-38808	189	32	coefficients	coefficient	NOUN
cjfa-38808	189	33	of	of	ADP
cjfa-38808	189	34	model	model	NOUN
cjfa-38808	189	35	(	(	PUNCT
cjfa-38808	189	36	3	3	NUM
cjfa-38808	189	37	)	)	PUNCT
cjfa-38808	189	38	by	by	ADP
cjfa-38808	189	39	considering	consider	VERB
cjfa-38808	189	40	first	first	ADV
cjfa-38808	189	41	the	the	DET
cjfa-38808	189	42	efficiency	efficiency	NOUN
cjfa-38808	189	43	score	score	NOUN
cjfa-38808	189	44	(	(	PUNCT
cjfa-38808	189	45	model	model	NOUN
cjfa-38808	189	46	3	3	NUM
cjfa-38808	189	47	-	-	SYM
cjfa-38808	189	48	1	1	NUM
cjfa-38808	189	49	)	)	PUNCT
cjfa-38808	189	50	and	and	CCONJ
cjfa-38808	189	51	then	then	ADV
cjfa-38808	189	52	the	the	DET
cjfa-38808	189	53	cost	cost	NOUN
cjfa-38808	189	54	/	/	SYM
cjfa-38808	189	55	revenue	revenue	NOUN
cjfa-38808	189	56	ratio	ratio	NOUN
cjfa-38808	189	57	(	(	PUNCT
cjfa-38808	189	58	model	model	NOUN
cjfa-38808	189	59	3	3	NUM
cjfa-38808	189	60	-	-	SYM
cjfa-38808	189	61	2	2	NUM
cjfa-38808	189	62	)	)	PUNCT
cjfa-38808	189	63	are	be	AUX
cjfa-38808	189	64	estimated	estimate	VERB
cjfa-38808	189	65	.	.	PUNCT
cjfa-38808	190	1	table	table	NOUN
cjfa-38808	190	2	6	6	NUM
cjfa-38808	190	3	summarizes	summarize	NOUN
cjfa-38808	190	4	the	the	DET
cjfa-38808	190	5	results	result	NOUN
cjfa-38808	190	6	of	of	ADP
cjfa-38808	190	7	the	the	DET
cjfa-38808	190	8	estimates	estimate	NOUN
cjfa-38808	190	9	.	.	PUNCT
cjfa-38808	191	1	table	table	NOUN
cjfa-38808	191	2	6	6	NUM
cjfa-38808	191	3	.	.	PUNCT
cjfa-38808	191	4	effect	effect	NOUN
cjfa-38808	191	5	of	of	ADP
cjfa-38808	191	6	selected	select	VERB
cjfa-38808	191	7	determinants	determinant	NOUN
cjfa-38808	191	8	on	on	ADP
cjfa-38808	191	9	banking	banking	NOUN
cjfa-38808	191	10	efficiency	efficiency	NOUN
cjfa-38808	191	11	model	model	NOUN
cjfa-38808	191	12	3	3	NUM
cjfa-38808	191	13	-	-	SYM
cjfa-38808	191	14	1	1	NUM
cjfa-38808	191	15	model	model	NOUN
cjfa-38808	191	16	3	3	NUM
cjfa-38808	191	17	-	-	SYM
cjfa-38808	191	18	2	2	NUM
cjfa-38808	191	19	size	size	NOUN
cjfa-38808	191	20	0.595	0.595	NUM
cjfa-38808	191	21	(	(	PUNCT
cjfa-38808	191	22	0.000	0.000	NUM
cjfa-38808	191	23	)	)	PUNCT
cjfa-38808	192	1	*	*	PUNCT
cjfa-38808	193	1	*	*	PUNCT
cjfa-38808	193	2	*	*	PUNCT
cjfa-38808	193	3	-0.594	-0.594	PUNCT
cjfa-38808	193	4	(	(	PUNCT
cjfa-38808	193	5	0.941	0.941	NUM
cjfa-38808	193	6	)	)	PUNCT
cjfa-38808	193	7	earning	earn	VERB
cjfa-38808	193	8	asset	asset	NOUN
cjfa-38808	193	9	-2.78e-08	-2.78e-08	NOUN
cjfa-38808	193	10	(	(	PUNCT
cjfa-38808	193	11	0.589	0.589	NUM
cjfa-38808	193	12	)	)	PUNCT
cjfa-38808	193	13	0.00004	0.00004	NUM
cjfa-38808	193	14	(	(	PUNCT
cjfa-38808	193	15	0.082	0.082	NUM
cjfa-38808	193	16	)	)	PUNCT
cjfa-38808	193	17	*	*	NOUN
cjfa-38808	193	18	equity	equity	NOUN
cjfa-38808	193	19	buffer	buffer	NOUN
cjfa-38808	193	20	-0.003	-0.003	PUNCT
cjfa-38808	193	21	(	(	PUNCT
cjfa-38808	193	22	0.000	0.000	NUM
cjfa-38808	193	23	)	)	PUNCT
cjfa-38808	194	1	*	*	PUNCT
cjfa-38808	195	1	*	*	PUNCT
cjfa-38808	195	2	*	*	X
cjfa-38808	195	3	0.2339	0.2339	NUM
cjfa-38808	195	4	(	(	PUNCT
cjfa-38808	195	5	0.295	0.295	NUM
cjfa-38808	195	6	)	)	PUNCT
cjfa-38808	195	7	dummy	dummy	NOUN
cjfa-38808	195	8	-0.159	-0.159	PROPN
cjfa-38808	195	9	(	(	PUNCT
cjfa-38808	195	10	0.097	0.097	NUM
cjfa-38808	195	11	)	)	PUNCT
cjfa-38808	195	12	*	*	PUNCT
cjfa-38808	196	1	61.445	61.445	NUM
cjfa-38808	196	2	(	(	PUNCT
cjfa-38808	196	3	0.000	0.000	NUM
cjfa-38808	196	4	)	)	PUNCT
cjfa-38808	196	5	*	*	PUNCT
cjfa-38808	197	1	*	*	PUNCT
cjfa-38808	197	2	*	*	PUNCT
cjfa-38808	197	3	constant	constant	ADJ
cjfa-38808	197	4	0.124	0.124	NUM
cjfa-38808	197	5	(	(	PUNCT
cjfa-38808	197	6	0.344	0.344	NUM
cjfa-38808	197	7	)	)	PUNCT
cjfa-38808	197	8	33.848	33.848	NUM
cjfa-38808	197	9	(	(	PUNCT
cjfa-38808	197	10	0.318	0.318	NUM
cjfa-38808	197	11	)	)	PUNCT
cjfa-38808	197	12	r	r	NOUN
cjfa-38808	197	13	-	-	PUNCT
cjfa-38808	197	14	square	square	NOUN
cjfa-38808	197	15	within	within	ADP
cjfa-38808	197	16	0.365	0.365	NUM
cjfa-38808	197	17	0.0002	0.0002	NUM
cjfa-38808	197	18	between	between	ADP
cjfa-38808	197	19	0.496	0.496	NUM
cjfa-38808	197	20	0.216	0.216	NUM
cjfa-38808	197	21	overall	overall	ADJ
cjfa-38808	197	22	0.486	0.486	NUM
cjfa-38808	197	23	0.132	0.132	NUM
cjfa-38808	197	24	the	the	DET
cjfa-38808	197	25	figures	figure	NOUN
cjfa-38808	197	26	in	in	ADP
cjfa-38808	197	27	brackets	bracket	NOUN
cjfa-38808	197	28	are	be	AUX
cjfa-38808	197	29	the	the	DET
cjfa-38808	197	30	capital	capital	NOUN
cjfa-38808	197	31	gains	gain	NOUN
cjfa-38808	197	32	.	.	PUNCT
cjfa-38808	198	1	*	*	PUNCT
cjfa-38808	198	2	:	:	PUNCT
cjfa-38808	198	3	significant	significant	ADJ
cjfa-38808	198	4	at	at	ADP
cjfa-38808	198	5	10	10	NUM
cjfa-38808	198	6	%	%	NOUN
cjfa-38808	198	7	 	 	SPACE
cjfa-38808	198	8	*	*	PUNCT
cjfa-38808	199	1	*	*	PUNCT
cjfa-38808	199	2	:	:	PUNCT
cjfa-38808	199	3	significant	significant	ADJ
cjfa-38808	199	4	at	at	ADP
cjfa-38808	199	5	5	5	NUM
cjfa-38808	199	6	%	%	NOUN
cjfa-38808	199	7	 	 	SPACE
cjfa-38808	199	8	*	*	PUNCT
cjfa-38808	200	1	*	*	PUNCT
cjfa-38808	200	2	*	*	PUNCT
cjfa-38808	200	3	:	:	PUNCT
cjfa-38808	200	4	significant	significant	ADJ
cjfa-38808	200	5	at	at	ADP
cjfa-38808	200	6	1	1	NUM
cjfa-38808	200	7	%	%	NOUN
cjfa-38808	200	8	s	s	PART
cjfa-38808	200	9	o	o	NOUN
cjfa-38808	200	10	u	u	NOUN
cjfa-38808	200	11	r	r	NOUN
cjfa-38808	200	12	c	c	NOUN
cjfa-38808	200	13	e	e	NOUN
cjfa-38808	200	14	:	:	PUNCT
cjfa-38808	200	15	own	own	ADJ
cjfa-38808	200	16	elaboration	elaboration	NOUN
cjfa-38808	200	17	.	.	PUNCT
cjfa-38808	201	1	the	the	DET
cjfa-38808	201	2	results	result	NOUN
cjfa-38808	201	3	of	of	ADP
cjfa-38808	201	4	model	model	NOUN
cjfa-38808	201	5	(	(	PUNCT
cjfa-38808	201	6	3	3	X
cjfa-38808	201	7	)	)	PUNCT
cjfa-38808	201	8	estimates	estimate	NOUN
cjfa-38808	201	9	considering	consider	VERB
cjfa-38808	201	10	the	the	DET
cjfa-38808	201	11	efficiency	efficiency	NOUN
cjfa-38808	201	12	score	score	NOUN
cjfa-38808	201	13	(	(	PUNCT
cjfa-38808	201	14	model	model	NOUN
cjfa-38808	201	15	3	3	NUM
cjfa-38808	201	16	-	-	SYM
cjfa-38808	201	17	1	1	NUM
cjfa-38808	201	18	)	)	PUNCT
cjfa-38808	201	19	show	show	VERB
cjfa-38808	201	20	a	a	DET
cjfa-38808	201	21	significant	significant	ADJ
cjfa-38808	201	22	positive	positive	ADJ
cjfa-38808	201	23	relationship	relationship	NOUN
cjfa-38808	201	24	between	between	ADP
cjfa-38808	201	25	the	the	DET
cjfa-38808	201	26	size	size	NOUN
cjfa-38808	201	27	of	of	ADP
cjfa-38808	201	28	a	a	DET
cjfa-38808	201	29	bank	bank	NOUN
cjfa-38808	201	30	and	and	CCONJ
cjfa-38808	201	31	its	its	PRON
cjfa-38808	201	32	level	level	NOUN
cjfa-38808	201	33	of	of	ADP
cjfa-38808	201	34	efficiency	efficiency	NOUN
cjfa-38808	201	35	.	.	PUNCT
cjfa-38808	202	1	this	this	PRON
cjfa-38808	202	2	can	can	AUX
cjfa-38808	202	3	be	be	AUX
cjfa-38808	202	4	explained	explain	VERB
cjfa-38808	202	5	by	by	ADP
cjfa-38808	202	6	the	the	DET
cjfa-38808	202	7	fact	fact	NOUN
cjfa-38808	202	8	that	that	SCONJ
cjfa-38808	202	9	large	large	ADJ
cjfa-38808	202	10	banks	bank	NOUN
cjfa-38808	202	11	can	can	AUX
cjfa-38808	202	12	reduce	reduce	VERB
cjfa-38808	202	13	costs	cost	NOUN
cjfa-38808	202	14	r.	r.	PROPN
cjfa-38808	202	15	b.	b.	PROPN
cjfa-38808	202	16	slimen	slimen	PROPN
cjfa-38808	202	17	,	,	PUNCT
cjfa-38808	202	18	f.	f.	PROPN
cjfa-38808	202	19	belhaj	belhaj	PROPN
cjfa-38808	202	20	,	,	PUNCT
cjfa-38808	202	21	m.	m.	NOUN
cjfa-38808	202	22	hadriche	hadriche	NOUN
cjfa-38808	202	23	,	,	PUNCT
cjfa-38808	202	24	m.	m.	NOUN
cjfa-38808	202	25	ghroubi102	ghroubi102	NUM
cjfa-38808	202	26	by	by	ADP
cjfa-38808	202	27	taking	take	VERB
cjfa-38808	202	28	advantage	advantage	NOUN
cjfa-38808	202	29	of	of	ADP
cjfa-38808	202	30	their	their	PRON
cjfa-38808	202	31	economies	economy	NOUN
cjfa-38808	202	32	of	of	ADP
cjfa-38808	202	33	scale	scale	NOUN
cjfa-38808	202	34	.	.	PUNCT
cjfa-38808	203	1	considering	consider	VERB
cjfa-38808	203	2	the	the	DET
cjfa-38808	203	3	cost	cost	NOUN
cjfa-38808	203	4	/	/	SYM
cjfa-38808	203	5	income	income	NOUN
cjfa-38808	203	6	ratio	ratio	NOUN
cjfa-38808	203	7	,	,	PUNCT
cjfa-38808	203	8	results	result	NOUN
cjfa-38808	203	9	show	show	VERB
cjfa-38808	203	10	that	that	SCONJ
cjfa-38808	203	11	this	this	DET
cjfa-38808	203	12	measure	measure	NOUN
cjfa-38808	203	13	of	of	ADP
cjfa-38808	203	14	cost	cost	NOUN
cjfa-38808	203	15	efficiency	efficiency	NOUN
cjfa-38808	203	16	is	be	AUX
cjfa-38808	203	17	negatively	negatively	ADV
cjfa-38808	203	18	related	relate	VERB
cjfa-38808	203	19	to	to	ADP
cjfa-38808	203	20	the	the	DET
cjfa-38808	203	21	size	size	NOUN
cjfa-38808	203	22	of	of	ADP
cjfa-38808	203	23	the	the	DET
cjfa-38808	203	24	bank	bank	NOUN
cjfa-38808	203	25	.	.	PUNCT
cjfa-38808	204	1	this	this	PRON
cjfa-38808	204	2	implies	imply	VERB
cjfa-38808	204	3	that	that	SCONJ
cjfa-38808	204	4	large	large	ADJ
cjfa-38808	204	5	banks	bank	NOUN
cjfa-38808	204	6	have	have	VERB
cjfa-38808	204	7	a	a	DET
cjfa-38808	204	8	lower	low	ADJ
cjfa-38808	204	9	cost	cost	NOUN
cjfa-38808	204	10	/	/	SYM
cjfa-38808	204	11	income	income	NOUN
cjfa-38808	204	12	ratio	ratio	NOUN
cjfa-38808	204	13	,	,	PUNCT
cjfa-38808	204	14	and	and	CCONJ
cjfa-38808	204	15	that	that	SCONJ
cjfa-38808	204	16	they	they	PRON
cjfa-38808	204	17	manage	manage	VERB
cjfa-38808	204	18	their	their	PRON
cjfa-38808	204	19	costs	cost	NOUN
cjfa-38808	204	20	relative	relative	ADJ
cjfa-38808	204	21	to	to	ADP
cjfa-38808	204	22	their	their	PRON
cjfa-38808	204	23	revenues	revenue	NOUN
cjfa-38808	204	24	better	well	ADV
cjfa-38808	204	25	than	than	ADP
cjfa-38808	204	26	smaller	small	ADJ
cjfa-38808	204	27	banks	bank	NOUN
cjfa-38808	204	28	.	.	PUNCT
cjfa-38808	205	1	table	table	NOUN
cjfa-38808	205	2	5	5	NUM
cjfa-38808	205	3	shows	show	VERB
cjfa-38808	205	4	that	that	SCONJ
cjfa-38808	205	5	earning	earn	VERB
cjfa-38808	205	6	assets	asset	NOUN
cjfa-38808	205	7	have	have	VERB
cjfa-38808	205	8	no	no	DET
cjfa-38808	205	9	significant	significant	ADJ
cjfa-38808	205	10	relationship	relationship	NOUN
cjfa-38808	205	11	with	with	ADP
cjfa-38808	205	12	efficiency	efficiency	NOUN
cjfa-38808	205	13	as	as	SCONJ
cjfa-38808	205	14	measured	measure	VERB
cjfa-38808	205	15	by	by	ADP
cjfa-38808	205	16	the	the	DET
cjfa-38808	205	17	sfa	sfa	PROPN
cjfa-38808	205	18	method	method	NOUN
cjfa-38808	205	19	,	,	PUNCT
cjfa-38808	205	20	but	but	CCONJ
cjfa-38808	205	21	this	this	DET
cjfa-38808	205	22	relationship	relationship	NOUN
cjfa-38808	205	23	becomes	become	VERB
cjfa-38808	205	24	positively	positively	ADV
cjfa-38808	205	25	and	and	CCONJ
cjfa-38808	205	26	statistically	statistically	ADV
cjfa-38808	205	27	significant	significant	ADJ
cjfa-38808	205	28	when	when	SCONJ
cjfa-38808	205	29	considering	consider	VERB
cjfa-38808	205	30	the	the	DET
cjfa-38808	205	31	cost	cost	NOUN
cjfa-38808	205	32	-	-	PUNCT
cjfa-38808	205	33	to	to	ADP
cjfa-38808	205	34	-	-	PUNCT
cjfa-38808	205	35	income	income	NOUN
cjfa-38808	205	36	ratio	ratio	NOUN
cjfa-38808	205	37	as	as	ADP
cjfa-38808	205	38	a	a	DET
cjfa-38808	205	39	measure	measure	NOUN
cjfa-38808	205	40	of	of	ADP
cjfa-38808	205	41	efficiency	efficiency	NOUN
cjfa-38808	205	42	.	.	PUNCT
cjfa-38808	206	1	this	this	PRON
cjfa-38808	206	2	implies	imply	VERB
cjfa-38808	206	3	that	that	SCONJ
cjfa-38808	206	4	earning	earn	VERB
cjfa-38808	206	5	assets	asset	NOUN
cjfa-38808	206	6	generate	generate	VERB
cjfa-38808	206	7	more	more	ADJ
cjfa-38808	206	8	costs	cost	NOUN
cjfa-38808	206	9	,	,	PUNCT
cjfa-38808	206	10	which	which	PRON
cjfa-38808	206	11	could	could	AUX
cjfa-38808	206	12	negatively	negatively	ADV
cjfa-38808	206	13	affect	affect	VERB
cjfa-38808	206	14	cost	cost	NOUN
cjfa-38808	206	15	efficiency	efficiency	NOUN
cjfa-38808	206	16	.	.	PUNCT
cjfa-38808	207	1	results	result	NOUN
cjfa-38808	207	2	also	also	ADV
cjfa-38808	207	3	show	show	VERB
cjfa-38808	207	4	that	that	SCONJ
cjfa-38808	207	5	equity	equity	NOUN
cjfa-38808	207	6	buffer	buffer	NOUN
cjfa-38808	207	7	is	be	AUX
cjfa-38808	207	8	negatively	negatively	ADV
cjfa-38808	207	9	related	relate	VERB
cjfa-38808	207	10	to	to	ADP
cjfa-38808	207	11	efficiency	efficiency	NOUN
cjfa-38808	207	12	as	as	SCONJ
cjfa-38808	207	13	measured	measure	VERB
cjfa-38808	207	14	by	by	ADP
cjfa-38808	207	15	the	the	DET
cjfa-38808	207	16	sfa	sfa	PROPN
cjfa-38808	207	17	method	method	NOUN
cjfa-38808	207	18	,	,	PUNCT
cjfa-38808	207	19	and	and	CCONJ
cjfa-38808	207	20	that	that	SCONJ
cjfa-38808	207	21	this	this	DET
cjfa-38808	207	22	relationship	relationship	NOUN
cjfa-38808	207	23	is	be	AUX
cjfa-38808	207	24	positive	positive	ADJ
cjfa-38808	207	25	but	but	CCONJ
cjfa-38808	207	26	not	not	PART
cjfa-38808	207	27	significant	significant	ADJ
cjfa-38808	207	28	when	when	SCONJ
cjfa-38808	207	29	considering	consider	VERB
cjfa-38808	207	30	the	the	DET
cjfa-38808	207	31	cost	cost	NOUN
cjfa-38808	207	32	-	-	PUNCT
cjfa-38808	207	33	to	to	ADP
cjfa-38808	207	34	-	-	PUNCT
cjfa-38808	207	35	income	income	NOUN
cjfa-38808	207	36	ratio	ratio	NOUN
cjfa-38808	207	37	.	.	PUNCT
cjfa-38808	208	1	this	this	DET
cjfa-38808	208	2	finding	finding	NOUN
cjfa-38808	208	3	indicates	indicate	VERB
cjfa-38808	208	4	that	that	SCONJ
cjfa-38808	208	5	banks	bank	NOUN
cjfa-38808	208	6	with	with	ADP
cjfa-38808	208	7	larger	large	ADJ
cjfa-38808	208	8	capitalization	capitalization	NOUN
cjfa-38808	208	9	and	and	CCONJ
cjfa-38808	208	10	a	a	DET
cjfa-38808	208	11	higher	high	ADJ
cjfa-38808	208	12	capital	capital	NOUN
cjfa-38808	208	13	base	base	NOUN
cjfa-38808	208	14	in	in	ADP
cjfa-38808	208	15	gcc	gcc	NOUN
cjfa-38808	208	16	countries	country	NOUN
cjfa-38808	208	17	are	be	AUX
cjfa-38808	208	18	less	less	ADV
cjfa-38808	208	19	efficient	efficient	ADJ
cjfa-38808	208	20	in	in	ADP
cjfa-38808	208	21	terms	term	NOUN
cjfa-38808	208	22	of	of	ADP
cjfa-38808	208	23	costs	cost	NOUN
cjfa-38808	208	24	.	.	PUNCT
cjfa-38808	209	1	this	this	PRON
cjfa-38808	209	2	supports	support	VERB
cjfa-38808	209	3	the	the	DET
cjfa-38808	209	4	idea	idea	NOUN
cjfa-38808	209	5	that	that	SCONJ
cjfa-38808	209	6	leverage	leverage	NOUN
cjfa-38808	209	7	is	be	AUX
cjfa-38808	209	8	useful	useful	ADJ
cjfa-38808	209	9	for	for	ADP
cjfa-38808	209	10	reducing	reduce	VERB
cjfa-38808	209	11	costs	cost	NOUN
cjfa-38808	209	12	or	or	CCONJ
cjfa-38808	209	13	increasing	increase	VERB
cjfa-38808	209	14	profits	profit	NOUN
cjfa-38808	209	15	.	.	PUNCT
cjfa-38808	210	1	according	accord	VERB
cjfa-38808	210	2	to	to	ADP
cjfa-38808	210	3	the	the	DET
cjfa-38808	210	4	financial	financial	ADJ
cjfa-38808	210	5	literature	literature	NOUN
cjfa-38808	210	6	,	,	PUNCT
cjfa-38808	210	7	equity	equity	NOUN
cjfa-38808	210	8	is	be	AUX
cjfa-38808	210	9	more	more	ADV
cjfa-38808	210	10	expensive	expensive	ADJ
cjfa-38808	210	11	than	than	ADP
cjfa-38808	210	12	debt	debt	NOUN
cjfa-38808	210	13	,	,	PUNCT
cjfa-38808	210	14	implying	imply	VERB
cjfa-38808	210	15	that	that	SCONJ
cjfa-38808	210	16	financing	finance	VERB
cjfa-38808	210	17	a	a	DET
cjfa-38808	210	18	bank	bank	NOUN
cjfa-38808	210	19	’s	’s	PART
cjfa-38808	210	20	assets	asset	NOUN
cjfa-38808	210	21	through	through	ADP
cjfa-38808	210	22	deposits	deposit	NOUN
cjfa-38808	210	23	is	be	AUX
cjfa-38808	210	24	better	well	ADJ
cjfa-38808	210	25	cost	cost	NOUN
cjfa-38808	210	26	management	management	NOUN
cjfa-38808	210	27	than	than	ADP
cjfa-38808	210	28	equity	equity	NOUN
cjfa-38808	210	29	financing	financing	NOUN
cjfa-38808	210	30	.	.	PUNCT
cjfa-38808	211	1	the	the	DET
cjfa-38808	211	2	estimated	estimate	VERB
cjfa-38808	211	3	coefficient	coefficient	NOUN
cjfa-38808	211	4	on	on	ADP
cjfa-38808	211	5	the	the	DET
cjfa-38808	211	6	dummy	dummy	ADJ
cjfa-38808	211	7	variable	variable	NOUN
cjfa-38808	211	8	for	for	ADP
cjfa-38808	211	9	islamic	islamic	ADJ
cjfa-38808	211	10	banks	bank	NOUN
cjfa-38808	211	11	confirms	confirm	VERB
cjfa-38808	211	12	the	the	DET
cjfa-38808	211	13	earlier	early	ADJ
cjfa-38808	211	14	conclusion	conclusion	NOUN
cjfa-38808	211	15	that	that	SCONJ
cjfa-38808	211	16	islamic	islamic	ADJ
cjfa-38808	211	17	banks	bank	NOUN
cjfa-38808	211	18	are	be	AUX
cjfa-38808	211	19	less	less	ADV
cjfa-38808	211	20	efficient	efficient	ADJ
cjfa-38808	211	21	than	than	ADP
cjfa-38808	211	22	their	their	PRON
cjfa-38808	211	23	conventional	conventional	ADJ
cjfa-38808	211	24	counterparts	counterpart	NOUN
cjfa-38808	211	25	even	even	ADV
cjfa-38808	211	26	after	after	ADP
cjfa-38808	211	27	controlling	control	VERB
cjfa-38808	211	28	for	for	ADP
cjfa-38808	211	29	bank	bank	NOUN
cjfa-38808	211	30	-	-	PUNCT
cjfa-38808	211	31	specific	specific	ADJ
cjfa-38808	211	32	variables	variable	NOUN
cjfa-38808	211	33	.	.	PUNCT
cjfa-38808	211	34	 	 	SPACE
cjfa-38808	212	1	conclusion	conclusion	NOUN
cjfa-38808	212	2	the	the	DET
cjfa-38808	212	3	paper	paper	NOUN
cjfa-38808	212	4	examines	examine	NOUN
cjfa-38808	212	5	theoretically	theoretically	ADV
cjfa-38808	212	6	and	and	CCONJ
cjfa-38808	212	7	empirically	empirically	ADV
cjfa-38808	212	8	the	the	DET
cjfa-38808	212	9	efficiency	efficiency	NOUN
cjfa-38808	212	10	of	of	ADP
cjfa-38808	212	11	islamic	islamic	ADJ
cjfa-38808	212	12	and	and	CCONJ
cjfa-38808	212	13	conventional	conventional	ADJ
cjfa-38808	212	14	banks	bank	NOUN
cjfa-38808	212	15	in	in	ADP
cjfa-38808	212	16	order	order	NOUN
cjfa-38808	212	17	to	to	PART
cjfa-38808	212	18	assess	assess	VERB
cjfa-38808	212	19	the	the	DET
cjfa-38808	212	20	possible	possible	ADJ
cjfa-38808	212	21	contribution	contribution	NOUN
cjfa-38808	212	22	of	of	ADP
cjfa-38808	212	23	islamic	islamic	ADJ
cjfa-38808	212	24	finance	finance	NOUN
cjfa-38808	212	25	to	to	ADP
cjfa-38808	212	26	banking	banking	NOUN
cjfa-38808	212	27	efficiency	efficiency	NOUN
cjfa-38808	212	28	.	.	PUNCT
cjfa-38808	213	1	the	the	DET
cjfa-38808	213	2	empirical	empirical	ADJ
cjfa-38808	213	3	analysis	analysis	NOUN
cjfa-38808	213	4	is	be	AUX
cjfa-38808	213	5	based	base	VERB
cjfa-38808	213	6	on	on	ADP
cjfa-38808	213	7	annual	annual	ADJ
cjfa-38808	213	8	data	datum	NOUN
cjfa-38808	213	9	for	for	ADP
cjfa-38808	213	10	a	a	DET
cjfa-38808	213	11	sample	sample	NOUN
cjfa-38808	213	12	of	of	ADP
cjfa-38808	213	13	99	99	NUM
cjfa-38808	213	14	banks	bank	NOUN
cjfa-38808	213	15	,	,	PUNCT
cjfa-38808	213	16	of	of	ADP
cjfa-38808	213	17	which	which	PRON
cjfa-38808	213	18	48	48	NUM
cjfa-38808	213	19	are	be	AUX
cjfa-38808	213	20	islamic	islamic	ADJ
cjfa-38808	213	21	banks	bank	NOUN
cjfa-38808	213	22	and	and	CCONJ
cjfa-38808	213	23	51	51	NUM
cjfa-38808	213	24	are	be	AUX
cjfa-38808	213	25	conventional	conventional	ADJ
cjfa-38808	213	26	banks	bank	NOUN
cjfa-38808	213	27	,	,	PUNCT
cjfa-38808	213	28	operating	operate	VERB
cjfa-38808	213	29	in	in	ADP
cjfa-38808	213	30	6	6	NUM
cjfa-38808	213	31	countries	country	NOUN
cjfa-38808	213	32	of	of	ADP
cjfa-38808	213	33	the	the	DET
cjfa-38808	213	34	gulf	gulf	PROPN
cjfa-38808	213	35	cooperation	cooperation	PROPN
cjfa-38808	213	36	council	council	PROPN
cjfa-38808	213	37	(	(	PUNCT
cjfa-38808	213	38	gcc	gcc	NOUN
cjfa-38808	213	39	)	)	PUNCT
cjfa-38808	213	40	region	region	NOUN
cjfa-38808	213	41	.	.	PUNCT
cjfa-38808	214	1	our	our	PRON
cjfa-38808	214	2	empirical	empirical	ADJ
cjfa-38808	214	3	results	result	NOUN
cjfa-38808	214	4	show	show	VERB
cjfa-38808	214	5	that	that	SCONJ
cjfa-38808	214	6	islamic	islamic	ADJ
cjfa-38808	214	7	banks	bank	NOUN
cjfa-38808	214	8	are	be	AUX
cjfa-38808	214	9	less	less	ADV
cjfa-38808	214	10	efficient	efficient	ADJ
cjfa-38808	214	11	in	in	ADP
cjfa-38808	214	12	terms	term	NOUN
cjfa-38808	214	13	of	of	ADP
cjfa-38808	214	14	cost	cost	NOUN
cjfa-38808	214	15	than	than	ADP
cjfa-38808	214	16	conventional	conventional	ADJ
cjfa-38808	214	17	banks	bank	NOUN
cjfa-38808	214	18	,	,	PUNCT
cjfa-38808	214	19	and	and	CCONJ
cjfa-38808	214	20	that	that	SCONJ
cjfa-38808	214	21	this	this	DET
cjfa-38808	214	22	differences	difference	NOUN
cjfa-38808	214	23	in	in	ADP
cjfa-38808	214	24	efficiency	efficiency	NOUN
cjfa-38808	214	25	remains	remain	VERB
cjfa-38808	214	26	valid	valid	ADJ
cjfa-38808	214	27	even	even	ADV
cjfa-38808	214	28	during	during	ADP
cjfa-38808	214	29	the	the	DET
cjfa-38808	214	30	2008	2008	NUM
cjfa-38808	214	31	crisis	crisis	NOUN
cjfa-38808	214	32	period	period	NOUN
cjfa-38808	214	33	and	and	CCONJ
cjfa-38808	214	34	even	even	ADV
cjfa-38808	214	35	after	after	ADP
cjfa-38808	214	36	controlling	control	VERB
cjfa-38808	214	37	for	for	ADP
cjfa-38808	214	38	bankspecific	bankspecific	ADJ
cjfa-38808	214	39	variables	variable	NOUN
cjfa-38808	214	40	.	.	PUNCT
cjfa-38808	215	1	these	these	DET
cjfa-38808	215	2	results	result	NOUN
cjfa-38808	215	3	can	can	AUX
cjfa-38808	215	4	be	be	AUX
cjfa-38808	215	5	explained	explain	VERB
cjfa-38808	215	6	by	by	ADP
cjfa-38808	215	7	the	the	DET
cjfa-38808	215	8	fact	fact	NOUN
cjfa-38808	215	9	that	that	SCONJ
cjfa-38808	215	10	the	the	DET
cjfa-38808	215	11	constraints	constraint	NOUN
cjfa-38808	215	12	imposed	impose	VERB
cjfa-38808	215	13	by	by	ADP
cjfa-38808	215	14	sharia	sharia	PROPN
cjfa-38808	215	15	law	law	PROPN
cjfa-38808	215	16	can	can	AUX
cjfa-38808	215	17	widen	widen	VERB
cjfa-38808	215	18	the	the	DET
cjfa-38808	215	19	efficiency	efficiency	NOUN
cjfa-38808	215	20	gap	gap	NOUN
cjfa-38808	215	21	between	between	ADP
cjfa-38808	215	22	the	the	DET
cjfa-38808	215	23	two	two	NUM
cjfa-38808	215	24	types	type	NOUN
cjfa-38808	215	25	of	of	ADP
cjfa-38808	215	26	banks	bank	NOUN
cjfa-38808	215	27	,	,	PUNCT
cjfa-38808	215	28	to	to	ADP
cjfa-38808	215	29	the	the	DET
cjfa-38808	215	30	detriment	detriment	NOUN
cjfa-38808	215	31	of	of	ADP
cjfa-38808	215	32	islamic	islamic	ADJ
cjfa-38808	215	33	banks	bank	NOUN
cjfa-38808	215	34	.	.	PUNCT
cjfa-38808	216	1	the	the	DET
cjfa-38808	216	2	empirical	empirical	ADJ
cjfa-38808	216	3	results	result	NOUN
cjfa-38808	216	4	also	also	ADV
cjfa-38808	216	5	banking	bank	VERB
cjfa-38808	216	6	efficiency	efficiency	NOUN
cjfa-38808	216	7	:	:	PUNCT
cjfa-38808	216	8	a	a	DET
cjfa-38808	216	9	comparative	comparative	ADJ
cjfa-38808	216	10	study	study	NOUN
cjfa-38808	216	11	…	…	PUNCT
cjfa-38808	216	12	103	103	NUM
cjfa-38808	216	13	show	show	NOUN
cjfa-38808	216	14	that	that	SCONJ
cjfa-38808	216	15	equity	equity	NOUN
cjfa-38808	216	16	buffer	buffer	NOUN
cjfa-38808	216	17	and	and	CCONJ
cjfa-38808	216	18	size	size	NOUN
cjfa-38808	216	19	positively	positively	ADV
cjfa-38808	216	20	affect	affect	VERB
cjfa-38808	216	21	bank	bank	NOUN
cjfa-38808	216	22	efficiency	efficiency	NOUN
cjfa-38808	216	23	as	as	SCONJ
cjfa-38808	216	24	measured	measure	VERB
cjfa-38808	216	25	by	by	ADP
cjfa-38808	216	26	the	the	DET
cjfa-38808	216	27	efficiency	efficiency	NOUN
cjfa-38808	216	28	score	score	NOUN
cjfa-38808	216	29	as	as	SCONJ
cjfa-38808	216	30	defined	define	VERB
cjfa-38808	216	31	by	by	ADP
cjfa-38808	216	32	the	the	DET
cjfa-38808	216	33	stochastic	stochastic	ADJ
cjfa-38808	216	34	frontier	frontier	NOUN
cjfa-38808	216	35	analysis	analysis	NOUN
cjfa-38808	216	36	(	(	PUNCT
cjfa-38808	216	37	sfa	sfa	NOUN
cjfa-38808	216	38	)	)	PUNCT
cjfa-38808	216	39	,	,	PUNCT
cjfa-38808	216	40	and	and	CCONJ
cjfa-38808	216	41	that	that	SCONJ
cjfa-38808	216	42	earning	earn	VERB
cjfa-38808	216	43	assets	asset	NOUN
cjfa-38808	216	44	are	be	AUX
cjfa-38808	216	45	negatively	negatively	ADV
cjfa-38808	216	46	related	relate	VERB
cjfa-38808	216	47	to	to	ADP
cjfa-38808	216	48	efficiency	efficiency	NOUN
cjfa-38808	216	49	(	(	PUNCT
cjfa-38808	216	50	measured	measure	VERB
cjfa-38808	216	51	by	by	ADP
cjfa-38808	216	52	the	the	DET
cjfa-38808	216	53	costto	costto	NOUN
cjfa-38808	216	54	-	-	PUNCT
cjfa-38808	216	55	income	income	NOUN
cjfa-38808	216	56	ratio	ratio	NOUN
cjfa-38808	216	57	)	)	PUNCT
cjfa-38808	216	58	.	.	PUNCT
cjfa-38808	217	1	the	the	DET
cjfa-38808	217	2	results	result	NOUN
cjfa-38808	217	3	of	of	ADP
cjfa-38808	217	4	the	the	DET
cjfa-38808	217	5	paper	paper	NOUN
cjfa-38808	217	6	are	be	AUX
cjfa-38808	217	7	very	very	ADV
cjfa-38808	217	8	important	important	ADJ
cjfa-38808	217	9	for	for	ADP
cjfa-38808	217	10	banks	bank	NOUN
cjfa-38808	217	11	’	’	PART
cjfa-38808	217	12	managements	management	NOUN
cjfa-38808	217	13	,	,	PUNCT
cjfa-38808	217	14	investors	investor	NOUN
cjfa-38808	217	15	,	,	PUNCT
cjfa-38808	217	16	regulators	regulator	NOUN
cjfa-38808	217	17	,	,	PUNCT
cjfa-38808	217	18	and	and	CCONJ
cjfa-38808	217	19	policymakers	policymaker	NOUN
cjfa-38808	217	20	.	.	PUNCT
cjfa-38808	218	1	for	for	ADP
cjfa-38808	218	2	banks	bank	NOUN
cjfa-38808	218	3	,	,	PUNCT
cjfa-38808	218	4	the	the	DET
cjfa-38808	218	5	findings	finding	NOUN
cjfa-38808	218	6	help	help	VERB
cjfa-38808	218	7	us	we	PRON
cjfa-38808	218	8	to	to	PART
cjfa-38808	218	9	better	well	ADV
cjfa-38808	218	10	understand	understand	VERB
cjfa-38808	218	11	how	how	SCONJ
cjfa-38808	218	12	bank	bank	NOUN
cjfa-38808	218	13	-	-	PUNCT
cjfa-38808	218	14	specific	specific	ADJ
cjfa-38808	218	15	variables	variable	NOUN
cjfa-38808	218	16	affect	affect	VERB
cjfa-38808	218	17	the	the	DET
cjfa-38808	218	18	financial	financial	ADJ
cjfa-38808	218	19	efficiency	efficiency	NOUN
cjfa-38808	218	20	of	of	ADP
cjfa-38808	218	21	the	the	DET
cjfa-38808	218	22	banking	banking	NOUN
cjfa-38808	218	23	system	system	NOUN
cjfa-38808	218	24	and	and	CCONJ
cjfa-38808	218	25	how	how	SCONJ
cjfa-38808	218	26	to	to	PART
cjfa-38808	218	27	strengthen	strengthen	VERB
cjfa-38808	218	28	it	it	PRON
cjfa-38808	218	29	to	to	PART
cjfa-38808	218	30	increase	increase	VERB
cjfa-38808	218	31	their	their	PRON
cjfa-38808	218	32	efficiency	efficiency	NOUN
cjfa-38808	218	33	and	and	CCONJ
cjfa-38808	218	34	their	their	PRON
cjfa-38808	218	35	performance	performance	NOUN
cjfa-38808	218	36	and	and	CCONJ
cjfa-38808	218	37	improve	improve	VERB
cjfa-38808	218	38	the	the	DET
cjfa-38808	218	39	service	service	NOUN
cjfa-38808	218	40	provided	provide	VERB
cjfa-38808	218	41	to	to	ADP
cjfa-38808	218	42	customers	customer	NOUN
cjfa-38808	218	43	.	.	PUNCT
cjfa-38808	219	1	so	so	ADV
cjfa-38808	219	2	,	,	PUNCT
cjfa-38808	219	3	and	and	CCONJ
cjfa-38808	219	4	based	base	VERB
cjfa-38808	219	5	on	on	ADP
cjfa-38808	219	6	the	the	DET
cjfa-38808	219	7	findings	finding	NOUN
cjfa-38808	219	8	of	of	ADP
cjfa-38808	219	9	this	this	DET
cjfa-38808	219	10	research	research	NOUN
cjfa-38808	219	11	,	,	PUNCT
cjfa-38808	219	12	some	some	DET
cjfa-38808	219	13	recommendations	recommendation	NOUN
cjfa-38808	219	14	can	can	AUX
cjfa-38808	219	15	be	be	AUX
cjfa-38808	219	16	proposed	propose	VERB
cjfa-38808	219	17	.	.	PUNCT
cjfa-38808	220	1	firstly	firstly	ADV
cjfa-38808	220	2	,	,	PUNCT
cjfa-38808	220	3	islamic	islamic	ADJ
cjfa-38808	220	4	banks	bank	NOUN
cjfa-38808	220	5	have	have	VERB
cjfa-38808	220	6	a	a	DET
cjfa-38808	220	7	lot	lot	NOUN
cjfa-38808	220	8	of	of	ADP
cjfa-38808	220	9	ways	way	NOUN
cjfa-38808	220	10	to	to	PART
cjfa-38808	220	11	increase	increase	VERB
cjfa-38808	220	12	their	their	PRON
cjfa-38808	220	13	efficiency	efficiency	NOUN
cjfa-38808	220	14	.	.	PUNCT
cjfa-38808	221	1	thus	thus	ADV
cjfa-38808	221	2	,	,	PUNCT
cjfa-38808	221	3	islamic	islamic	ADJ
cjfa-38808	221	4	banks	bank	NOUN
cjfa-38808	221	5	must	must	AUX
cjfa-38808	221	6	identify	identify	VERB
cjfa-38808	221	7	the	the	DET
cjfa-38808	221	8	elements	element	NOUN
cjfa-38808	221	9	responsible	responsible	ADJ
cjfa-38808	221	10	for	for	ADP
cjfa-38808	221	11	the	the	DET
cjfa-38808	221	12	increase	increase	NOUN
cjfa-38808	221	13	in	in	ADP
cjfa-38808	221	14	production	production	NOUN
cjfa-38808	221	15	costs	cost	NOUN
cjfa-38808	221	16	.	.	PUNCT
cjfa-38808	222	1	secondly	secondly	ADV
cjfa-38808	222	2	,	,	PUNCT
cjfa-38808	222	3	and	and	CCONJ
cjfa-38808	222	4	as	as	ADP
cjfa-38808	222	5	the	the	DET
cjfa-38808	222	6	analysis	analysis	NOUN
cjfa-38808	222	7	shows	show	NOUN
cjfa-38808	222	8	,	,	PUNCT
cjfa-38808	222	9	size	size	NOUN
cjfa-38808	222	10	positively	positively	ADV
cjfa-38808	222	11	affects	affect	VERB
cjfa-38808	222	12	the	the	DET
cjfa-38808	222	13	efficiency	efficiency	NOUN
cjfa-38808	222	14	of	of	ADP
cjfa-38808	222	15	banks	bank	NOUN
cjfa-38808	222	16	.	.	PUNCT
cjfa-38808	223	1	islamic	islamic	ADJ
cjfa-38808	223	2	banks	bank	NOUN
cjfa-38808	223	3	are	be	AUX
cjfa-38808	223	4	small	small	ADJ
cjfa-38808	223	5	compared	compare	VERB
cjfa-38808	223	6	to	to	ADP
cjfa-38808	223	7	conventional	conventional	ADJ
cjfa-38808	223	8	banks	bank	NOUN
cjfa-38808	223	9	.	.	PUNCT
cjfa-38808	224	1	mergers	merger	NOUN
cjfa-38808	224	2	and	and	CCONJ
cjfa-38808	224	3	acquisitions	acquisition	NOUN
cjfa-38808	224	4	among	among	ADP
cjfa-38808	224	5	and	and	CCONJ
cjfa-38808	224	6	between	between	ADP
cjfa-38808	224	7	small	small	ADJ
cjfa-38808	224	8	islamic	islamic	ADJ
cjfa-38808	224	9	banks	bank	NOUN
cjfa-38808	224	10	may	may	AUX
cjfa-38808	224	11	be	be	AUX
cjfa-38808	224	12	a	a	DET
cjfa-38808	224	13	possible	possible	ADJ
cjfa-38808	224	14	strategy	strategy	NOUN
cjfa-38808	224	15	to	to	PART
cjfa-38808	224	16	realize	realize	VERB
cjfa-38808	224	17	the	the	DET
cjfa-38808	224	18	benefits	benefit	NOUN
cjfa-38808	224	19	of	of	ADP
cjfa-38808	224	20	economies	economy	NOUN
cjfa-38808	224	21	of	of	ADP
cjfa-38808	224	22	scale	scale	NOUN
cjfa-38808	224	23	.	.	PUNCT
cjfa-38808	225	1	for	for	ADP
cjfa-38808	225	2	the	the	DET
cjfa-38808	225	3	public	public	NOUN
cjfa-38808	225	4	,	,	PUNCT
cjfa-38808	225	5	clients	client	NOUN
cjfa-38808	225	6	and	and	CCONJ
cjfa-38808	225	7	investors	investor	NOUN
cjfa-38808	225	8	,	,	PUNCT
cjfa-38808	225	9	this	this	DET
cjfa-38808	225	10	research	research	NOUN
cjfa-38808	225	11	can	can	AUX
cjfa-38808	225	12	help	help	VERB
cjfa-38808	225	13	them	they	PRON
cjfa-38808	225	14	obtain	obtain	VERB
cjfa-38808	225	15	accurate	accurate	ADJ
cjfa-38808	225	16	information	information	NOUN
cjfa-38808	225	17	in	in	ADP
cjfa-38808	225	18	their	their	PRON
cjfa-38808	225	19	investment	investment	NOUN
cjfa-38808	225	20	decisions	decision	NOUN
cjfa-38808	225	21	.	.	PUNCT
cjfa-38808	226	1	for	for	ADP
cjfa-38808	226	2	other	other	ADJ
cjfa-38808	226	3	researchers	researcher	NOUN
cjfa-38808	226	4	,	,	PUNCT
cjfa-38808	226	5	this	this	DET
cjfa-38808	226	6	discovery	discovery	NOUN
cjfa-38808	226	7	may	may	AUX
cjfa-38808	226	8	help	help	VERB
cjfa-38808	226	9	them	they	PRON
cjfa-38808	226	10	expand	expand	VERB
cjfa-38808	226	11	the	the	DET
cjfa-38808	226	12	search	search	NOUN
cjfa-38808	226	13	by	by	ADP
cjfa-38808	226	14	using	use	VERB
cjfa-38808	226	15	large	large	ADJ
cjfa-38808	226	16	and	and	CCONJ
cjfa-38808	226	17	employing	employ	VERB
cjfa-38808	226	18	other	other	ADJ
cjfa-38808	226	19	approaches	approach	NOUN
cjfa-38808	226	20	or	or	CCONJ
cjfa-38808	226	21	input	input	NOUN
cjfa-38808	226	22	and	and	CCONJ
cjfa-38808	226	23	output	output	NOUN
cjfa-38808	226	24	variables	variable	NOUN
cjfa-38808	226	25	.	.	PUNCT
cjfa-38808	226	26	 	 	SPACE
cjfa-38808	227	1	references	reference	NOUN
cjfa-38808	227	2	abbas	abbas	NOUN
cjfa-38808	227	3	,	,	PUNCT
cjfa-38808	227	4	m.	m.	NOUN
cjfa-38808	227	5	,	,	PUNCT
cjfa-38808	227	6	azid	azid	PROPN
cjfa-38808	227	7	,	,	PUNCT
cjfa-38808	227	8	t.	t.	PROPN
cjfa-38808	227	9	,	,	PUNCT
cjfa-38808	227	10	&	&	CCONJ
cjfa-38808	227	11	besar	besar	PROPN
cjfa-38808	227	12	,	,	PUNCT
cjfa-38808	227	13	m.h.a.h	m.h.a.h	PROPN
cjfa-38808	227	14	.	.	PROPN
cjfa-38808	227	15	(	(	PUNCT
cjfa-38808	227	16	2016	2016	NUM
cjfa-38808	227	17	)	)	PUNCT
cjfa-38808	227	18	.	.	PUNCT
cjfa-38808	228	1	efficiency	efficiency	NOUN
cjfa-38808	228	2	,	,	PUNCT
cjfa-38808	228	3	effectiveness	effectiveness	NOUN
cjfa-38808	228	4	and	and	CCONJ
cjfa-38808	228	5	performance	performance	NOUN
cjfa-38808	228	6	profile	profile	NOUN
cjfa-38808	228	7	of	of	ADP
cjfa-38808	228	8	islamic	islamic	ADJ
cjfa-38808	228	9	and	and	CCONJ
cjfa-38808	228	10	conventional	conventional	ADJ
cjfa-38808	228	11	banks	bank	NOUN
cjfa-38808	228	12	in	in	ADP
cjfa-38808	228	13	pakistan	pakistan	PROPN
cjfa-38808	228	14	.	.	PUNCT
cjfa-38808	229	1	humanomics	humanomic	NOUN
cjfa-38808	229	2	,	,	PUNCT
cjfa-38808	229	3	32(1	32(1	NUM
cjfa-38808	229	4	)	)	PUNCT
cjfa-38808	229	5	,	,	PUNCT
cjfa-38808	229	6	2–18	2–18	NUM
cjfa-38808	229	7	.	.	PUNCT
cjfa-38808	230	1	http://dx.doi.org/10.1108/h-09-2015-0058	http://dx.doi.org/10.1108/h-09-2015-0058	PROPN
cjfa-38808	230	2	.	.	PUNCT
cjfa-38808	230	3	abdul	abdul	PROPN
cjfa-38808	230	4	-	-	PUNCT
cjfa-38808	230	5	majid	majid	PROPN
cjfa-38808	230	6	,	,	PUNCT
cjfa-38808	230	7	m.	m.	NOUN
cjfa-38808	230	8	,	,	PUNCT
cjfa-38808	230	9	falahaty	falahaty	NOUN
cjfa-38808	230	10	,	,	PUNCT
cjfa-38808	230	11	m.	m.	NOUN
cjfa-38808	230	12	,	,	PUNCT
cjfa-38808	230	13	&	&	CCONJ
cjfa-38808	230	14	jusoh	jusoh	PROPN
cjfa-38808	230	15	,	,	PUNCT
cjfa-38808	230	16	m.	m.	NOUN
cjfa-38808	230	17	(	(	PUNCT
cjfa-38808	230	18	2017	2017	NUM
cjfa-38808	230	19	)	)	PUNCT
cjfa-38808	230	20	.	.	PUNCT
cjfa-38808	231	1	performance	performance	NOUN
cjfa-38808	231	2	of	of	ADP
cjfa-38808	231	3	islamic	islamic	ADJ
cjfa-38808	231	4	and	and	CCONJ
cjfa-38808	231	5	conventional	conventional	ADJ
cjfa-38808	231	6	banks	bank	NOUN
cjfa-38808	231	7	:	:	PUNCT
cjfa-38808	231	8	a	a	DET
cjfa-38808	231	9	meta	meta	ADJ
cjfa-38808	231	10	-	-	PUNCT
cjfa-38808	231	11	frontier	frontier	NOUN
cjfa-38808	231	12	approach	approach	NOUN
cjfa-38808	231	13	.	.	PUNCT
cjfa-38808	232	1	research	research	NOUN
cjfa-38808	232	2	in	in	ADP
cjfa-38808	232	3	international	international	ADJ
cjfa-38808	232	4	business	business	NOUN
cjfa-38808	232	5	and	and	CCONJ
cjfa-38808	232	6	finance	finance	NOUN
cjfa-38808	232	7	,	,	PUNCT
cjfa-38808	232	8	42	42	NUM
cjfa-38808	232	9	,	,	PUNCT
cjfa-38808	232	10	1327–1335	1327–1335	NUM
cjfa-38808	232	11	.	.	PUNCT
cjfa-38808	233	1	http://dx.doi.org/doi:10.1016/j.ribaf.2017.07.069	http://dx.doi.org/doi:10.1016/j.ribaf.2017.07.069	NOUN
cjfa-38808	233	2	.	.	PUNCT
cjfa-38808	234	1	abdul	abdul	PROPN
cjfa-38808	234	2	-	-	PUNCT
cjfa-38808	234	3	majid	majid	PROPN
cjfa-38808	234	4	,	,	PUNCT
cjfa-38808	234	5	m.	m.	NOUN
cjfa-38808	234	6	,	,	PUNCT
cjfa-38808	234	7	saal	saal	PROPN
cjfa-38808	234	8	,	,	PUNCT
cjfa-38808	234	9	d.s	d.s	PROPN
cjfa-38808	234	10	.	.	PROPN
cjfa-38808	234	11	,	,	PUNCT
cjfa-38808	234	12	&	&	CCONJ
cjfa-38808	234	13	battisti	battisti	PROPN
cjfa-38808	234	14	,	,	PUNCT
cjfa-38808	234	15	g.	g.	PROPN
cjfa-38808	234	16	(	(	PUNCT
cjfa-38808	234	17	2010	2010	NUM
cjfa-38808	234	18	)	)	PUNCT
cjfa-38808	234	19	.	.	PUNCT
cjfa-38808	235	1	efficiency	efficiency	NOUN
cjfa-38808	235	2	in	in	ADP
cjfa-38808	235	3	islamic	islamic	ADJ
cjfa-38808	235	4	and	and	CCONJ
cjfa-38808	235	5	conventional	conventional	ADJ
cjfa-38808	235	6	banking	banking	NOUN
cjfa-38808	235	7	:	:	PUNCT
cjfa-38808	235	8	an	an	DET
cjfa-38808	235	9	international	international	ADJ
cjfa-38808	235	10	comparison	comparison	NOUN
cjfa-38808	235	11	.	.	PUNCT
cjfa-38808	236	1	journal	journal	PROPN
cjfa-38808	236	2	of	of	ADP
cjfa-38808	236	3	productivity	productivity	NOUN
cjfa-38808	236	4	analysis	analysis	NOUN
cjfa-38808	236	5	,	,	PUNCT
cjfa-38808	236	6	34(1	34(1	NUM
cjfa-38808	236	7	)	)	PUNCT
cjfa-38808	236	8	,	,	PUNCT
cjfa-38808	236	9	25–43	25–43	NUM
cjfa-38808	236	10	.	.	PUNCT
cjfa-38808	237	1	http://dx.doi.org/10.1007/s11123-009-0165-3	http://dx.doi.org/10.1007/s11123-009-0165-3	X
cjfa-38808	237	2	.	.	PUNCT
cjfa-38808	238	1	aghimien	aghimien	PROPN
cjfa-38808	238	2	,	,	PUNCT
cjfa-38808	238	3	p.a	p.a	PROPN
cjfa-38808	238	4	.	.	PROPN
cjfa-38808	238	5	,	,	PUNCT
cjfa-38808	238	6	kamarudin	kamarudin	PROPN
cjfa-38808	238	7	,	,	PUNCT
cjfa-38808	238	8	f.	f.	PROPN
cjfa-38808	238	9	,	,	PUNCT
cjfa-38808	238	10	hamid	hamid	PROPN
cjfa-38808	238	11	,	,	PUNCT
cjfa-38808	238	12	m.	m.	NOUN
cjfa-38808	238	13	,	,	PUNCT
cjfa-38808	238	14	&	&	CCONJ
cjfa-38808	238	15	noordin	noordin	PROPN
cjfa-38808	238	16	,	,	PUNCT
cjfa-38808	238	17	b.	b.	PROPN
cjfa-38808	238	18	(	(	PUNCT
cjfa-38808	238	19	2016	2016	NUM
cjfa-38808	238	20	)	)	PUNCT
cjfa-38808	238	21	.	.	PUNCT
cjfa-38808	239	1	efficiency	efficiency	NOUN
cjfa-38808	239	2	of	of	ADP
cjfa-38808	239	3	gulf	gulf	PROPN
cjfa-38808	239	4	cooperation	cooperation	PROPN
cjfa-38808	239	5	council	council	PROPN
cjfa-38808	239	6	banks	bank	NOUN
cjfa-38808	239	7	:	:	PUNCT
cjfa-38808	239	8	empirical	empirical	ADJ
cjfa-38808	239	9	evidence	evidence	NOUN
cjfa-38808	239	10	using	use	VERB
cjfa-38808	239	11	data	datum	NOUN
cjfa-38808	239	12	envelopment	envelopment	ADJ
cjfa-38808	239	13	analysis	analysis	NOUN
cjfa-38808	239	14	.	.	PUNCT
cjfa-38808	240	1	review	review	NOUN
cjfa-38808	240	2	of	of	ADP
cjfa-38808	240	3	international	international	ADJ
cjfa-38808	240	4	business	business	NOUN
cjfa-38808	240	5	and	and	CCONJ
cjfa-38808	240	6	strategy	strategy	NOUN
cjfa-38808	240	7	,	,	PUNCT
cjfa-38808	240	8	26(1	26(1	NUM
cjfa-38808	240	9	)	)	PUNCT
cjfa-38808	240	10	,	,	PUNCT
cjfa-38808	240	11	118–136	118–136	NUM
cjfa-38808	240	12	.	.	PUNCT
cjfa-38808	241	1	http://dx.doi.org/10.1108/	http://dx.doi.org/10.1108/	X
cjfa-38808	241	2	ribs-11	ribs-11	PROPN
cjfa-38808	241	3	-	-	PUNCT
cjfa-38808	241	4	2013	2013	NUM
cjfa-38808	241	5	-	-	PUNCT
cjfa-38808	241	6	0111	0111	NUM
cjfa-38808	241	7	.	.	PUNCT
cjfa-38808	242	1	arslan	arslan	PROPN
cjfa-38808	242	2	,	,	PUNCT
cjfa-38808	242	3	b.g	b.g	PROPN
cjfa-38808	242	4	.	.	PROPN
cjfa-38808	242	5	,	,	PUNCT
cjfa-38808	242	6	&	&	CCONJ
cjfa-38808	242	7	ergec	ergec	PROPN
cjfa-38808	242	8	,	,	PUNCT
cjfa-38808	242	9	e.h	e.h	PROPN
cjfa-38808	242	10	.	.	PROPN
cjfa-38808	242	11	(	(	PUNCT
cjfa-38808	242	12	2010	2010	NUM
cjfa-38808	242	13	)	)	PUNCT
cjfa-38808	242	14	.	.	PUNCT
cjfa-38808	243	1	the	the	DET
cjfa-38808	243	2	efficiency	efficiency	NOUN
cjfa-38808	243	3	of	of	ADP
cjfa-38808	243	4	participation	participation	NOUN
cjfa-38808	243	5	and	and	CCONJ
cjfa-38808	243	6	conventional	conventional	ADJ
cjfa-38808	243	7	banks	bank	NOUN
cjfa-38808	243	8	in	in	ADP
cjfa-38808	243	9	turkey	turkey	NOUN
cjfa-38808	243	10	:	:	PUNCT
cjfa-38808	243	11	using	use	VERB
cjfa-38808	243	12	data	datum	NOUN
cjfa-38808	243	13	envelopment	envelopment	ADJ
cjfa-38808	243	14	analysis	analysis	NOUN
cjfa-38808	243	15	.	.	PUNCT
cjfa-38808	244	1	international	international	ADJ
cjfa-38808	244	2	research	research	PROPN
cjfa-38808	244	3	journal	journal	NOUN
cjfa-38808	244	4	of	of	ADP
cjfa-38808	244	5	finance	finance	NOUN
cjfa-38808	244	6	and	and	CCONJ
cjfa-38808	244	7	economics	economic	NOUN
cjfa-38808	244	8	,	,	PUNCT
cjfa-38808	244	9	57	57	NUM
cjfa-38808	244	10	,	,	PUNCT
cjfa-38808	244	11	156–168	156–168	NUM
cjfa-38808	244	12	.	.	PUNCT
cjfa-38808	245	1	http://dx.doi.org/10.12785/jifs/050201	http://dx.doi.org/10.12785/jifs/050201	NOUN
cjfa-38808	245	2	.	.	PUNCT
cjfa-38808	246	1	r.	r.	PROPN
cjfa-38808	246	2	b.	b.	PROPN
cjfa-38808	246	3	slimen	slimen	PROPN
cjfa-38808	246	4	,	,	PUNCT
cjfa-38808	246	5	f.	f.	PROPN
cjfa-38808	246	6	belhaj	belhaj	PROPN
cjfa-38808	246	7	,	,	PUNCT
cjfa-38808	246	8	m.	m.	NOUN
cjfa-38808	246	9	hadriche	hadriche	NOUN
cjfa-38808	246	10	,	,	PUNCT
cjfa-38808	246	11	m.	m.	PROPN
cjfa-38808	246	12	ghroubi104	ghroubi104	PROPN
cjfa-38808	246	13	asmild	asmild	PROPN
cjfa-38808	246	14	,	,	PUNCT
cjfa-38808	246	15	m.	m.	NOUN
cjfa-38808	246	16	,	,	PUNCT
cjfa-38808	246	17	kronborg	kronborg	PROPN
cjfa-38808	246	18	,	,	PUNCT
cjfa-38808	246	19	d.	d.	PROPN
cjfa-38808	246	20	,	,	PUNCT
cjfa-38808	246	21	mahbub	mahbub	PROPN
cjfa-38808	246	22	,	,	PUNCT
cjfa-38808	246	23	t.	t.	PROPN
cjfa-38808	246	24	,	,	PUNCT
cjfa-38808	246	25	&	&	CCONJ
cjfa-38808	246	26	matthews	matthews	PROPN
cjfa-38808	246	27	,	,	PUNCT
cjfa-38808	246	28	k.	k.	PROPN
cjfa-38808	246	29	(	(	PUNCT
cjfa-38808	246	30	2019	2019	NUM
cjfa-38808	246	31	)	)	PUNCT
cjfa-38808	246	32	.	.	PUNCT
cjfa-38808	247	1	the	the	DET
cjfa-38808	247	2	efficiency	efficiency	NOUN
cjfa-38808	247	3	patterns	pattern	NOUN
cjfa-38808	247	4	of	of	ADP
cjfa-38808	247	5	islamic	islamic	ADJ
cjfa-38808	247	6	banks	bank	NOUN
cjfa-38808	247	7	during	during	ADP
cjfa-38808	247	8	the	the	DET
cjfa-38808	247	9	global	global	ADJ
cjfa-38808	247	10	financial	financial	ADJ
cjfa-38808	247	11	crisis	crisis	NOUN
cjfa-38808	247	12	:	:	PUNCT
cjfa-38808	247	13	the	the	DET
cjfa-38808	247	14	case	case	NOUN
cjfa-38808	247	15	of	of	ADP
cjfa-38808	247	16	bangladesh	bangladesh	NOUN
cjfa-38808	247	17	.	.	PUNCT
cjfa-38808	248	1	the	the	DET
cjfa-38808	248	2	quarterly	quarterly	ADJ
cjfa-38808	248	3	review	review	NOUN
cjfa-38808	248	4	of	of	ADP
cjfa-38808	248	5	economics	economic	NOUN
cjfa-38808	248	6	and	and	CCONJ
cjfa-38808	248	7	finance	finance	NOUN
cjfa-38808	248	8	,	,	PUNCT
cjfa-38808	248	9	74(c	74(c	NUM
cjfa-38808	248	10	)	)	PUNCT
cjfa-38808	248	11	,	,	PUNCT
cjfa-38808	248	12	67–74	67–74	NUM
cjfa-38808	248	13	.	.	PUNCT
cjfa-38808	249	1	http://dx.doi.org/10.1016/j	http://dx.doi.org/10.1016/j	X
cjfa-38808	249	2	.	.	PROPN
cjfa-38808	249	3	qref.2018.04.004	qref.2018.04.004	PROPN
cjfa-38808	249	4	.	.	PUNCT
cjfa-38808	249	5	bader	bader	PROPN
cjfa-38808	249	6	,	,	PUNCT
cjfa-38808	249	7	m.k.i	m.k.i	NOUN
cjfa-38808	249	8	.	.	PROPN
cjfa-38808	249	9	,	,	PUNCT
cjfa-38808	249	10	mohamad	mohamad	PROPN
cjfa-38808	249	11	,	,	PUNCT
cjfa-38808	249	12	s.	s.	PROPN
cjfa-38808	249	13	,	,	PUNCT
cjfa-38808	249	14	ariff	ariff	PROPN
cjfa-38808	249	15	,	,	PUNCT
cjfa-38808	249	16	m.	m.	NOUN
cjfa-38808	249	17	,	,	PUNCT
cjfa-38808	249	18	&	&	CCONJ
cjfa-38808	249	19	shah	shah	PROPN
cjfa-38808	249	20	,	,	PUNCT
cjfa-38808	249	21	t.h	t.h	PROPN
cjfa-38808	249	22	.	.	PROPN
cjfa-38808	249	23	(	(	PUNCT
cjfa-38808	249	24	2008	2008	NUM
cjfa-38808	249	25	)	)	PUNCT
cjfa-38808	249	26	.	.	PUNCT
cjfa-38808	250	1	cost	cost	NOUN
cjfa-38808	250	2	,	,	PUNCT
cjfa-38808	250	3	revenue	revenue	NOUN
cjfa-38808	250	4	,	,	PUNCT
cjfa-38808	250	5	and	and	CCONJ
cjfa-38808	250	6	profit	profit	NOUN
cjfa-38808	250	7	efficiency	efficiency	NOUN
cjfa-38808	250	8	of	of	ADP
cjfa-38808	250	9	islamic	islamic	ADJ
cjfa-38808	250	10	versus	versus	ADP
cjfa-38808	250	11	conventional	conventional	ADJ
cjfa-38808	250	12	banks	bank	NOUN
cjfa-38808	250	13	:	:	PUNCT
cjfa-38808	250	14	international	international	ADJ
cjfa-38808	250	15	evidence	evidence	NOUN
cjfa-38808	250	16	using	use	VERB
cjfa-38808	250	17	data	datum	NOUN
cjfa-38808	250	18	envelopment	envelopment	ADJ
cjfa-38808	250	19	analysis	analysis	NOUN
cjfa-38808	250	20	.	.	PUNCT
cjfa-38808	251	1	islamic	islamic	ADJ
cjfa-38808	251	2	economic	economic	ADJ
cjfa-38808	251	3	studies	study	NOUN
cjfa-38808	251	4	,	,	PUNCT
cjfa-38808	251	5	15(2	15(2	NUM
cjfa-38808	251	6	)	)	PUNCT
cjfa-38808	251	7	,	,	PUNCT
cjfa-38808	251	8	24–76	24–76	NUM
cjfa-38808	251	9	.	.	PUNCT
cjfa-38808	251	10	http://dx.doi	http://dx.doi	NOUN
cjfa-38808	251	11	.	.	PUNCT
cjfa-38808	252	1	org/10.1177/0972150913515579	org/10.1177/0972150913515579	PROPN
cjfa-38808	252	2	.	.	PROPN
cjfa-38808	252	3	batir	batir	PROPN
cjfa-38808	252	4	,	,	PUNCT
cjfa-38808	252	5	t.e	t.e	PROPN
cjfa-38808	252	6	.	.	PROPN
cjfa-38808	252	7	,	,	PUNCT
cjfa-38808	252	8	volkman	volkman	NOUN
cjfa-38808	252	9	,	,	PUNCT
cjfa-38808	252	10	d.a	d.a	PROPN
cjfa-38808	252	11	.	.	PROPN
cjfa-38808	252	12	,	,	PUNCT
cjfa-38808	252	13	&	&	CCONJ
cjfa-38808	252	14	gungor	gungor	PROPN
cjfa-38808	252	15	,	,	PUNCT
cjfa-38808	252	16	b.	b.	PROPN
cjfa-38808	252	17	(	(	PUNCT
cjfa-38808	252	18	2017	2017	NUM
cjfa-38808	252	19	)	)	PUNCT
cjfa-38808	252	20	.	.	PUNCT
cjfa-38808	253	1	determinants	determinant	NOUN
cjfa-38808	253	2	of	of	ADP
cjfa-38808	253	3	bank	bank	NOUN
cjfa-38808	253	4	efficiency	efficiency	NOUN
cjfa-38808	253	5	in	in	ADP
cjfa-38808	253	6	turkey	turkey	NOUN
cjfa-38808	253	7	:	:	PUNCT
cjfa-38808	253	8	participation	participation	NOUN
cjfa-38808	253	9	banks	bank	NOUN
cjfa-38808	253	10	versus	versus	ADP
cjfa-38808	253	11	conventional	conventional	ADJ
cjfa-38808	253	12	banks	bank	NOUN
cjfa-38808	253	13	.	.	PUNCT
cjfa-38808	254	1	borsa	borsa	PROPN
cjfa-38808	254	2	istanbul	istanbul	PROPN
cjfa-38808	254	3	review	review	PROPN
cjfa-38808	254	4	,	,	PUNCT
cjfa-38808	254	5	17(2	17(2	NUM
cjfa-38808	254	6	)	)	PUNCT
cjfa-38808	254	7	,	,	PUNCT
cjfa-38808	254	8	86–96	86–96	NUM
cjfa-38808	254	9	.	.	PUNCT
cjfa-38808	255	1	http://dx.doi.org/10.1016/j.bir.2017.02.003	http://dx.doi.org/10.1016/j.bir.2017.02.003	PROPN
cjfa-38808	255	2	.	.	PUNCT
cjfa-38808	256	1	beck	beck	PROPN
cjfa-38808	256	2	,	,	PUNCT
cjfa-38808	256	3	t.	t.	PROPN
cjfa-38808	256	4	,	,	PUNCT
cjfa-38808	256	5	demirgüç	demirgüç	PROPN
cjfa-38808	256	6	-	-	PUNCT
cjfa-38808	256	7	kunt	kunt	PROPN
cjfa-38808	256	8	,	,	PUNCT
cjfa-38808	256	9	a.	a.	PROPN
cjfa-38808	256	10	,	,	PUNCT
cjfa-38808	256	11	&	&	CCONJ
cjfa-38808	256	12	merrouche	merrouche	PROPN
cjfa-38808	256	13	,	,	PUNCT
cjfa-38808	256	14	o.	o.	PROPN
cjfa-38808	256	15	(	(	PUNCT
cjfa-38808	256	16	2013	2013	NUM
cjfa-38808	256	17	)	)	PUNCT
cjfa-38808	256	18	.	.	PUNCT
cjfa-38808	257	1	islamic	islamic	PROPN
cjfa-38808	257	2	vs.	vs.	ADP
cjfa-38808	257	3	conventional	conventional	ADJ
cjfa-38808	257	4	banking	banking	NOUN
cjfa-38808	257	5	:	:	PUNCT
cjfa-38808	257	6	business	business	NOUN
cjfa-38808	257	7	model	model	NOUN
cjfa-38808	257	8	,	,	PUNCT
cjfa-38808	257	9	efficiency	efficiency	NOUN
cjfa-38808	257	10	and	and	CCONJ
cjfa-38808	257	11	stability	stability	NOUN
cjfa-38808	257	12	.	.	PUNCT
cjfa-38808	258	1	journal	journal	NOUN
cjfa-38808	258	2	of	of	ADP
cjfa-38808	258	3	banking	banking	NOUN
cjfa-38808	258	4	&	&	CCONJ
cjfa-38808	258	5	finance	finance	PROPN
cjfa-38808	258	6	,	,	PUNCT
cjfa-38808	258	7	37(2	37(2	PROPN
cjfa-38808	258	8	)	)	PUNCT
cjfa-38808	258	9	,	,	PUNCT
cjfa-38808	258	10	433	433	NUM
cjfa-38808	258	11	–	–	PUNCT
cjfa-38808	258	12	–	–	PUNCT
cjfa-38808	258	13	447	447	NUM
cjfa-38808	258	14	.	.	PUNCT
cjfa-38808	259	1	http://dx.doi.org/10.1016/j.jbankfin.2012.09.016	http://dx.doi.org/10.1016/j.jbankfin.2012.09.016	PROPN
cjfa-38808	259	2	.	.	PUNCT
cjfa-38808	260	1	belanès	belanès	PROPN
cjfa-38808	260	2	,	,	PUNCT
cjfa-38808	260	3	a.	a.	PROPN
cjfa-38808	260	4	,	,	PUNCT
cjfa-38808	260	5	ftiti	ftiti	PROPN
cjfa-38808	260	6	,	,	PUNCT
cjfa-38808	260	7	z.	z.	PROPN
cjfa-38808	260	8	,	,	PUNCT
cjfa-38808	260	9	&	&	CCONJ
cjfa-38808	260	10	regaıeg	regaıeg	PROPN
cjfa-38808	260	11	,	,	PUNCT
cjfa-38808	260	12	r.	r.	PROPN
cjfa-38808	260	13	(	(	PUNCT
cjfa-38808	260	14	2015	2015	NUM
cjfa-38808	260	15	)	)	PUNCT
cjfa-38808	260	16	.	.	PUNCT
cjfa-38808	261	1	what	what	PRON
cjfa-38808	261	2	can	can	AUX
cjfa-38808	261	3	we	we	PRON
cjfa-38808	261	4	learn	learn	VERB
cjfa-38808	261	5	about	about	ADP
cjfa-38808	261	6	islamic	islamic	ADJ
cjfa-38808	261	7	banks	bank	NOUN
cjfa-38808	261	8	efficiency	efficiency	NOUN
cjfa-38808	261	9	under	under	ADP
cjfa-38808	261	10	the	the	DET
cjfa-38808	261	11	subprime	subprime	ADJ
cjfa-38808	261	12	crisis	crisis	NOUN
cjfa-38808	261	13	?	?	PUNCT
cjfa-38808	262	1	evidence	evidence	NOUN
cjfa-38808	262	2	from	from	ADP
cjfa-38808	262	3	gcc	gcc	NOUN
cjfa-38808	262	4	region	region	NOUN
cjfa-38808	262	5	.	.	PUNCT
cjfa-38808	263	1	pacific	pacific	ADJ
cjfa-38808	263	2	-	-	PUNCT
cjfa-38808	263	3	basin	basin	NOUN
cjfa-38808	263	4	finance	finance	NOUN
cjfa-38808	263	5	journal	journal	NOUN
cjfa-38808	263	6	,	,	PUNCT
cjfa-38808	263	7	33	33	NUM
cjfa-38808	263	8	,	,	PUNCT
cjfa-38808	263	9	81–92	81–92	NUM
cjfa-38808	263	10	.	.	PUNCT
cjfa-38808	263	11	http://dx.doi.org/10.1016/j.pacfin.2015.02.012	http://dx.doi.org/10.1016/j.pacfin.2015.02.012	PROPN
cjfa-38808	263	12	.	.	PUNCT
cjfa-38808	264	1	darrat	darrat	PROPN
cjfa-38808	264	2	,	,	PUNCT
cjfa-38808	264	3	a.f	a.f	PROPN
cjfa-38808	264	4	.	.	PROPN
cjfa-38808	264	5	,	,	PUNCT
cjfa-38808	264	6	topuz	topuz	PROPN
cjfa-38808	264	7	,	,	PUNCT
cjfa-38808	264	8	c.	c.	PROPN
cjfa-38808	264	9	,	,	PUNCT
cjfa-38808	264	10	&	&	CCONJ
cjfa-38808	264	11	yousef	yousef	PROPN
cjfa-38808	264	12	,	,	PUNCT
cjfa-38808	264	13	t.	t.	PROPN
cjfa-38808	264	14	(	(	PUNCT
cjfa-38808	264	15	2002	2002	NUM
cjfa-38808	264	16	)	)	PUNCT
cjfa-38808	264	17	.	.	PUNCT
cjfa-38808	265	1	assessing	assess	VERB
cjfa-38808	265	2	cost	cost	NOUN
cjfa-38808	265	3	and	and	CCONJ
cjfa-38808	265	4	technical	technical	ADJ
cjfa-38808	265	5	efficiency	efficiency	NOUN
cjfa-38808	265	6	of	of	ADP
cjfa-38808	265	7	banks	bank	NOUN
cjfa-38808	265	8	in	in	ADP
cjfa-38808	265	9	kuwait	kuwait	PROPN
cjfa-38808	265	10	.	.	PUNCT
cjfa-38808	266	1	in	in	ADP
cjfa-38808	266	2	unpublished	unpublished	ADJ
cjfa-38808	266	3	paper	paper	NOUN
cjfa-38808	266	4	the	the	DET
cjfa-38808	266	5	erf	erf	NOUN
cjfa-38808	266	6	8th	8th	NOUN
cjfa-38808	266	7	annual	annual	ADJ
cjfa-38808	266	8	conference	conference	NOUN
cjfa-38808	266	9	,	,	PUNCT
cjfa-38808	266	10	january	january	PROPN
cjfa-38808	266	11	,	,	PUNCT
cjfa-38808	266	12	cairo	cairo	PROPN
cjfa-38808	266	13	.	.	PUNCT
cjfa-38808	267	1	ebrahim	ebrahim	PROPN
cjfa-38808	267	2	,	,	PUNCT
cjfa-38808	267	3	m.s	m.s	PROPN
cjfa-38808	267	4	.	.	PROPN
cjfa-38808	267	5	,	,	PUNCT
cjfa-38808	267	6	&	&	CCONJ
cjfa-38808	267	7	joo	joo	PROPN
cjfa-38808	267	8	,	,	PUNCT
cjfa-38808	267	9	t.k	t.k	PROPN
cjfa-38808	267	10	.	.	PROPN
cjfa-38808	267	11	(	(	PUNCT
cjfa-38808	267	12	2001	2001	NUM
cjfa-38808	267	13	)	)	PUNCT
cjfa-38808	267	14	.	.	PUNCT
cjfa-38808	268	1	islamic	islamic	ADJ
cjfa-38808	268	2	banking	banking	PROPN
cjfa-38808	268	3	in	in	ADP
cjfa-38808	268	4	brunei	brunei	PROPN
cjfa-38808	268	5	darussalam	darussalam	PROPN
cjfa-38808	268	6	.	.	PUNCT
cjfa-38808	269	1	international	international	ADJ
cjfa-38808	269	2	journal	journal	PROPN
cjfa-38808	269	3	of	of	ADP
cjfa-38808	269	4	social	social	ADJ
cjfa-38808	269	5	economics	economic	NOUN
cjfa-38808	269	6	,	,	PUNCT
cjfa-38808	269	7	28(4	28(4	NUM
cjfa-38808	269	8	)	)	PUNCT
cjfa-38808	269	9	,	,	PUNCT
cjfa-38808	269	10	314–337	314–337	NUM
cjfa-38808	269	11	.	.	PUNCT
cjfa-38808	270	1	http://dx.doi.org/10.1108/	http://dx.doi.org/10.1108/	NOUN
cjfa-38808	270	2	03068290110357708	03068290110357708	NUM
cjfa-38808	270	3	.	.	PUNCT
cjfa-38808	271	1	haque	haque	PROPN
cjfa-38808	271	2	,	,	PUNCT
cjfa-38808	271	3	m.i	m.i	PROPN
cjfa-38808	271	4	.	.	PROPN
cjfa-38808	271	5	,	,	PUNCT
cjfa-38808	271	6	tausif	tausif	PROPN
cjfa-38808	271	7	,	,	PUNCT
cjfa-38808	271	8	m.r	m.r	PROPN
cjfa-38808	271	9	.	.	PROPN
cjfa-38808	271	10	,	,	PUNCT
cjfa-38808	271	11	&	&	CCONJ
cjfa-38808	271	12	ali	ali	PROPN
cjfa-38808	271	13	,	,	PUNCT
cjfa-38808	271	14	a.	a.	PROPN
cjfa-38808	271	15	(	(	PUNCT
cjfa-38808	271	16	2020	2020	NUM
cjfa-38808	271	17	)	)	PUNCT
cjfa-38808	271	18	.	.	PUNCT
cjfa-38808	272	1	continued	continue	VERB
cjfa-38808	272	2	discussion	discussion	NOUN
cjfa-38808	272	3	on	on	ADP
cjfa-38808	272	4	conventional	conventional	ADJ
cjfa-38808	272	5	versus	versus	X
cjfa-38808	272	6	islamic	islamic	ADJ
cjfa-38808	272	7	banks	bank	NOUN
cjfa-38808	272	8	:	:	PUNCT
cjfa-38808	272	9	combining	combine	VERB
cjfa-38808	272	10	financial	financial	ADJ
cjfa-38808	272	11	ratios	ratio	NOUN
cjfa-38808	272	12	and	and	CCONJ
cjfa-38808	272	13	efficiency	efficiency	NOUN
cjfa-38808	272	14	.	.	PUNCT
cjfa-38808	273	1	banks	bank	NOUN
cjfa-38808	273	2	and	and	CCONJ
cjfa-38808	273	3	bank	bank	NOUN
cjfa-38808	273	4	systems	system	NOUN
cjfa-38808	273	5	,	,	PUNCT
cjfa-38808	273	6	15(1	15(1	NUM
cjfa-38808	273	7	)	)	PUNCT
cjfa-38808	273	8	,	,	PUNCT
cjfa-38808	273	9	132–142	132–142	NUM
cjfa-38808	273	10	.	.	PUNCT
cjfa-38808	273	11	http://dx.doi.org/10.21511/bbs.15(1).2020.13	http://dx.doi.org/10.21511/bbs.15(1).2020.13	PROPN
cjfa-38808	273	12	.	.	PUNCT
cjfa-38808	274	1	hassan	hassan	PROPN
cjfa-38808	274	2	,	,	PUNCT
cjfa-38808	274	3	k.m	k.m	PROPN
cjfa-38808	274	4	.	.	PROPN
cjfa-38808	274	5	(	(	PUNCT
cjfa-38808	274	6	2006	2006	NUM
cjfa-38808	274	7	)	)	PUNCT
cjfa-38808	274	8	.	.	PUNCT
cjfa-38808	275	1	the	the	DET
cjfa-38808	275	2	x	x	NOUN
cjfa-38808	275	3	-	-	NOUN
cjfa-38808	275	4	efficiency	efficiency	NOUN
cjfa-38808	275	5	in	in	ADP
cjfa-38808	275	6	islamic	islamic	ADJ
cjfa-38808	275	7	banks	bank	NOUN
cjfa-38808	275	8	.	.	PUNCT
cjfa-38808	276	1	islamic	islamic	ADJ
cjfa-38808	276	2	economic	economic	ADJ
cjfa-38808	276	3	studies	study	NOUN
cjfa-38808	276	4	,	,	PUNCT
cjfa-38808	276	5	13(2	13(2	PROPN
cjfa-38808	276	6	)	)	PUNCT
cjfa-38808	276	7	,	,	PUNCT
cjfa-38808	276	8	49–78	49–78	PROPN
cjfa-38808	276	9	.	.	PUNCT
cjfa-38808	276	10	horrace	horrace	PROPN
cjfa-38808	276	11	,	,	PUNCT
cjfa-38808	276	12	w.c	w.c	PROPN
cjfa-38808	276	13	.	.	PROPN
cjfa-38808	276	14	,	,	PUNCT
cjfa-38808	276	15	&	&	CCONJ
cjfa-38808	276	16	wright	wright	PROPN
cjfa-38808	276	17	,	,	PUNCT
cjfa-38808	276	18	i.a	i.a	PROPN
cjfa-38808	276	19	.	.	PROPN
cjfa-38808	276	20	(	(	PUNCT
cjfa-38808	276	21	2020	2020	NUM
cjfa-38808	276	22	)	)	PUNCT
cjfa-38808	276	23	.	.	PUNCT
cjfa-38808	277	1	stationary	stationary	ADJ
cjfa-38808	277	2	points	point	NOUN
cjfa-38808	277	3	for	for	ADP
cjfa-38808	277	4	parametric	parametric	ADJ
cjfa-38808	277	5	stochastic	stochastic	ADJ
cjfa-38808	277	6	frontier	frontier	NOUN
cjfa-38808	277	7	models	model	NOUN
cjfa-38808	277	8	.	.	PUNCT
cjfa-38808	278	1	journal	journal	NOUN
cjfa-38808	278	2	of	of	ADP
cjfa-38808	278	3	business	business	PROPN
cjfa-38808	278	4	&	&	CCONJ
cjfa-38808	278	5	economic	economic	ADJ
cjfa-38808	278	6	statistics	statistic	NOUN
cjfa-38808	278	7	,	,	PUNCT
cjfa-38808	278	8	38(3	38(3	NUM
cjfa-38808	278	9	)	)	PUNCT
cjfa-38808	278	10	,	,	PUNCT
cjfa-38808	278	11	516–526	516–526	NUM
cjfa-38808	278	12	.	.	PUNCT
cjfa-38808	279	1	http://dx.doi	http://dx.doi	NOUN
cjfa-38808	279	2	.	.	PUNCT
cjfa-38808	280	1	org/10.1080/07350015.2018.1526088	org/10.1080/07350015.2018.1526088	ADV
cjfa-38808	280	2	.	.	PUNCT
cjfa-38808	281	1	ismail	ismail	PROPN
cjfa-38808	281	2	,	,	PUNCT
cjfa-38808	281	3	f.	f.	PROPN
cjfa-38808	281	4	,	,	PUNCT
cjfa-38808	281	5	abdul	abdul	PROPN
cjfa-38808	281	6	majid	majid	PROPN
cjfa-38808	281	7	,	,	PUNCT
cjfa-38808	281	8	m.s	m.s	PROPN
cjfa-38808	281	9	.	.	PROPN
cjfa-38808	281	10	,	,	PUNCT
cjfa-38808	281	11	&	&	CCONJ
cjfa-38808	281	12	rahim	rahim	PROPN
cjfa-38808	281	13	,	,	PUNCT
cjfa-38808	281	14	r.a	r.a	PROPN
cjfa-38808	281	15	.	.	PROPN
cjfa-38808	281	16	(	(	PUNCT
cjfa-38808	281	17	2013	2013	NUM
cjfa-38808	281	18	)	)	PUNCT
cjfa-38808	281	19	.	.	PUNCT
cjfa-38808	282	1	efficiency	efficiency	NOUN
cjfa-38808	282	2	of	of	ADP
cjfa-38808	282	3	islamic	islamic	ADJ
cjfa-38808	282	4	and	and	CCONJ
cjfa-38808	282	5	conventional	conventional	ADJ
cjfa-38808	282	6	banks	bank	NOUN
cjfa-38808	282	7	in	in	ADP
cjfa-38808	282	8	malaysia	malaysia	PROPN
cjfa-38808	282	9	.	.	PUNCT
cjfa-38808	283	1	journal	journal	PROPN
cjfa-38808	283	2	of	of	ADP
cjfa-38808	283	3	financial	financial	ADJ
cjfa-38808	283	4	reporting	reporting	NOUN
cjfa-38808	283	5	and	and	CCONJ
cjfa-38808	283	6	accounting	accounting	NOUN
cjfa-38808	283	7	,	,	PUNCT
cjfa-38808	283	8	11(1	11(1	NUM
cjfa-38808	283	9	)	)	PUNCT
cjfa-38808	283	10	,	,	PUNCT
cjfa-38808	283	11	92–107	92–107	NUM
cjfa-38808	283	12	.	.	PUNCT
cjfa-38808	283	13	http://dx.doi.org/10.1108/jfra-03-2013-0011	http://dx.doi.org/10.1108/jfra-03-2013-0011	PROPN
cjfa-38808	283	14	.	.	PUNCT
cjfa-38808	284	1	isnurhadi	isnurhadi	PROPN
cjfa-38808	284	2	,	,	PUNCT
cjfa-38808	284	3	i.	i.	PROPN
cjfa-38808	284	4	,	,	PUNCT
cjfa-38808	284	5	adam	adam	PROPN
cjfa-38808	284	6	,	,	PUNCT
cjfa-38808	284	7	m.	m.	NOUN
cjfa-38808	284	8	,	,	PUNCT
cjfa-38808	284	9	sulastri	sulastri	PROPN
cjfa-38808	284	10	,	,	PUNCT
cjfa-38808	284	11	s.	s.	PROPN
cjfa-38808	284	12	,	,	PUNCT
cjfa-38808	284	13	andriana	andriana	PROPN
cjfa-38808	284	14	,	,	PUNCT
cjfa-38808	284	15	i.	i.	PROPN
cjfa-38808	284	16	,	,	PUNCT
cjfa-38808	284	17	&	&	CCONJ
cjfa-38808	284	18	muizzuddin	muizzuddin	NOUN
cjfa-38808	284	19	,	,	PUNCT
cjfa-38808	284	20	m.	m.	NOUN
cjfa-38808	284	21	(	(	PUNCT
cjfa-38808	284	22	2021	2021	NUM
cjfa-38808	284	23	)	)	PUNCT
cjfa-38808	284	24	.	.	PUNCT
cjfa-38808	285	1	bank	bank	NOUN
cjfa-38808	285	2	capital	capital	NOUN
cjfa-38808	285	3	,	,	PUNCT
cjfa-38808	285	4	efficiency	efficiency	NOUN
cjfa-38808	285	5	and	and	CCONJ
cjfa-38808	285	6	risk	risk	NOUN
cjfa-38808	285	7	:	:	PUNCT
cjfa-38808	285	8	evidence	evidence	NOUN
cjfa-38808	285	9	from	from	ADP
cjfa-38808	285	10	islamic	islamic	ADJ
cjfa-38808	285	11	banks	bank	NOUN
cjfa-38808	285	12	.	.	PUNCT
cjfa-38808	286	1	journal	journal	PROPN
cjfa-38808	286	2	of	of	ADP
cjfa-38808	286	3	asian	asian	ADJ
cjfa-38808	286	4	finance	finance	NOUN
cjfa-38808	286	5	,	,	PUNCT
cjfa-38808	286	6	economics	economic	NOUN
cjfa-38808	286	7	and	and	CCONJ
cjfa-38808	286	8	business	business	NOUN
cjfa-38808	286	9	,	,	PUNCT
cjfa-38808	286	10	8(1	8(1	NOUN
cjfa-38808	286	11	)	)	PUNCT
cjfa-38808	286	12	,	,	PUNCT
cjfa-38808	286	13	841–850	841–850	NUM
cjfa-38808	286	14	.	.	PUNCT
cjfa-38808	287	1	http://dx.doi.org/10.13106/jafeb.2021.vol8	http://dx.doi.org/10.13106/jafeb.2021.vol8	ADJ
cjfa-38808	287	2	.	.	PUNCT
cjfa-38808	288	1	no1.841	no1.841	PROPN
cjfa-38808	288	2	.	.	PUNCT
cjfa-38808	289	1	izzeldin	izzeldin	NOUN
cjfa-38808	289	2	,	,	PUNCT
cjfa-38808	289	3	m.	m.	NOUN
cjfa-38808	289	4	,	,	PUNCT
cjfa-38808	289	5	johnes	johne	NOUN
cjfa-38808	289	6	,	,	PUNCT
cjfa-38808	289	7	j.	j.	PROPN
cjfa-38808	289	8	,	,	PUNCT
cjfa-38808	289	9	ongena	ongena	PROPN
cjfa-38808	289	10	,	,	PUNCT
cjfa-38808	289	11	s.	s.	PROPN
cjfa-38808	289	12	,	,	PUNCT
cjfa-38808	289	13	pappas	pappas	PROPN
cjfa-38808	289	14	,	,	PUNCT
cjfa-38808	289	15	v.	v.	PROPN
cjfa-38808	289	16	,	,	PUNCT
cjfa-38808	289	17	&	&	CCONJ
cjfa-38808	289	18	tsionas	tsionas	NOUN
cjfa-38808	289	19	,	,	PUNCT
cjfa-38808	289	20	m.	m.	NOUN
cjfa-38808	289	21	(	(	PUNCT
cjfa-38808	289	22	2021	2021	NUM
cjfa-38808	289	23	)	)	PUNCT
cjfa-38808	289	24	.	.	PUNCT
cjfa-38808	290	1	efficiency	efficiency	NOUN
cjfa-38808	290	2	convergence	convergence	NOUN
cjfa-38808	290	3	in	in	ADP
cjfa-38808	290	4	islamic	islamic	ADJ
cjfa-38808	290	5	and	and	CCONJ
cjfa-38808	290	6	conventional	conventional	ADJ
cjfa-38808	290	7	banks	bank	NOUN
cjfa-38808	290	8	.	.	PUNCT
cjfa-38808	291	1	journal	journal	PROPN
cjfa-38808	291	2	of	of	ADP
cjfa-38808	291	3	international	international	ADJ
cjfa-38808	291	4	financial	financial	ADJ
cjfa-38808	291	5	markets	market	NOUN
cjfa-38808	291	6	,	,	PUNCT
cjfa-38808	291	7	institutions	institution	NOUN
cjfa-38808	291	8	and	and	CCONJ
cjfa-38808	291	9	money	money	NOUN
cjfa-38808	291	10	,	,	PUNCT
cjfa-38808	291	11	70	70	NUM
cjfa-38808	291	12	,	,	PUNCT
cjfa-38808	291	13	101279	101279	NUM
cjfa-38808	291	14	.	.	PUNCT
cjfa-38808	292	1	http://dx.doi.org/10.1016/j.intfin.2020.101279	http://dx.doi.org/10.1016/j.intfin.2020.101279	X
cjfa-38808	292	2	.	.	PUNCT
cjfa-38808	293	1	jensen	jensen	PROPN
cjfa-38808	293	2	,	,	PUNCT
cjfa-38808	293	3	m.c	m.c	PROPN
cjfa-38808	293	4	.	.	PROPN
cjfa-38808	293	5	,	,	PUNCT
cjfa-38808	293	6	&	&	CCONJ
cjfa-38808	293	7	meckling	meckling	PROPN
cjfa-38808	293	8	,	,	PUNCT
cjfa-38808	293	9	w.h	w.h	PROPN
cjfa-38808	293	10	.	.	PROPN
cjfa-38808	293	11	(	(	PUNCT
cjfa-38808	293	12	1976	1976	NUM
cjfa-38808	293	13	)	)	PUNCT
cjfa-38808	293	14	.	.	PUNCT
cjfa-38808	294	1	theory	theory	NOUN
cjfa-38808	294	2	of	of	ADP
cjfa-38808	294	3	the	the	DET
cjfa-38808	294	4	firm	firm	NOUN
cjfa-38808	294	5	:	:	PUNCT
cjfa-38808	294	6	managerial	managerial	ADJ
cjfa-38808	294	7	behavior	behavior	NOUN
cjfa-38808	294	8	,	,	PUNCT
cjfa-38808	294	9	agency	agency	NOUN
cjfa-38808	294	10	costs	cost	NOUN
cjfa-38808	294	11	and	and	CCONJ
cjfa-38808	294	12	ownership	ownership	NOUN
cjfa-38808	294	13	structure	structure	NOUN
cjfa-38808	294	14	.	.	PUNCT
cjfa-38808	295	1	journal	journal	NOUN
cjfa-38808	295	2	of	of	ADP
cjfa-38808	295	3	financial	financial	ADJ
cjfa-38808	295	4	economics	economic	NOUN
cjfa-38808	295	5	,	,	PUNCT
cjfa-38808	295	6	3(4	3(4	NUM
cjfa-38808	295	7	)	)	PUNCT
cjfa-38808	295	8	,	,	PUNCT
cjfa-38808	295	9	305–360	305–360	NUM
cjfa-38808	295	10	.	.	PUNCT
cjfa-38808	296	1	http://dx.doi.org/10.1016/0304-405x	http://dx.doi.org/10.1016/0304-405x	NOUN
cjfa-38808	296	2	(	(	PUNCT
cjfa-38808	296	3	76)90026x	76)90026x	NUM
cjfa-38808	296	4	.	.	PUNCT
cjfa-38808	296	5	banking	banking	NOUN
cjfa-38808	296	6	efficiency	efficiency	NOUN
cjfa-38808	296	7	:	:	PUNCT
cjfa-38808	296	8	a	a	DET
cjfa-38808	296	9	comparative	comparative	ADJ
cjfa-38808	296	10	study	study	NOUN
cjfa-38808	296	11	…	…	PUNCT
cjfa-38808	296	12	105	105	NUM
cjfa-38808	296	13	kamaruddin	kamaruddin	NOUN
cjfa-38808	296	14	,	,	PUNCT
cjfa-38808	296	15	b.	b.	PROPN
cjfa-38808	296	16	h.	h.	PROPN
cjfa-38808	296	17	,	,	PUNCT
cjfa-38808	296	18	safab	safab	PROPN
cjfa-38808	296	19	,	,	PUNCT
cjfa-38808	296	20	m.	m.	NOUN
cjfa-38808	296	21	s.	s.	PROPN
cjfa-38808	296	22	,	,	PUNCT
cjfa-38808	296	23	&	&	CCONJ
cjfa-38808	296	24	mohd	mohd	PROPN
cjfa-38808	296	25	,	,	PUNCT
cjfa-38808	296	26	r.	r.	PROPN
cjfa-38808	296	27	(	(	PUNCT
cjfa-38808	296	28	2008	2008	NUM
cjfa-38808	296	29	)	)	PUNCT
cjfa-38808	296	30	.	.	PUNCT
cjfa-38808	297	1	assessing	assess	VERB
cjfa-38808	297	2	production	production	NOUN
cjfa-38808	297	3	efficiency	efficiency	NOUN
cjfa-38808	297	4	of	of	ADP
cjfa-38808	297	5	islamic	islamic	ADJ
cjfa-38808	297	6	banks	bank	NOUN
cjfa-38808	297	7	and	and	CCONJ
cjfa-38808	297	8	conventional	conventional	ADJ
cjfa-38808	297	9	bank	bank	NOUN
cjfa-38808	297	10	islamic	islamic	PROPN
cjfa-38808	297	11	windows	window	NOUN
cjfa-38808	297	12	in	in	ADP
cjfa-38808	297	13	malaysia	malaysia	PROPN
cjfa-38808	297	14	.	.	PUNCT
cjfa-38808	298	1	international	international	ADJ
cjfa-38808	298	2	journal	journal	PROPN
cjfa-38808	298	3	of	of	ADP
cjfa-38808	298	4	business	business	NOUN
cjfa-38808	298	5	and	and	CCONJ
cjfa-38808	298	6	management	management	NOUN
cjfa-38808	298	7	science	science	NOUN
cjfa-38808	298	8	,	,	PUNCT
cjfa-38808	298	9	1(1	1(1	NUM
cjfa-38808	298	10	)	)	PUNCT
cjfa-38808	298	11	,	,	PUNCT
cjfa-38808	298	12	31–48	31–48	NUM
cjfa-38808	298	13	.	.	PUNCT
cjfa-38808	299	1	kurek	kurek	PROPN
cjfa-38808	299	2	,	,	PUNCT
cjfa-38808	299	3	r.	r.	PROPN
cjfa-38808	299	4	(	(	PUNCT
cjfa-38808	299	5	2014	2014	NUM
cjfa-38808	299	6	)	)	PUNCT
cjfa-38808	299	7	.	.	PUNCT
cjfa-38808	300	1	the	the	DET
cjfa-38808	300	2	efficiency	efficiency	NOUN
cjfa-38808	300	3	of	of	ADP
cjfa-38808	300	4	public	public	ADJ
cjfa-38808	300	5	insurance	insurance	NOUN
cjfa-38808	300	6	supervision	supervision	NOUN
cjfa-38808	300	7	vs.	vs.	ADP
cjfa-38808	300	8	pareto	pareto	ADJ
cjfa-38808	300	9	efficiency	efficiency	NOUN
cjfa-38808	300	10	.	.	PUNCT
cjfa-38808	301	1	copernican	copernican	PROPN
cjfa-38808	301	2	journal	journal	PROPN
cjfa-38808	301	3	of	of	ADP
cjfa-38808	301	4	finance	finance	PROPN
cjfa-38808	301	5	&	&	CCONJ
cjfa-38808	301	6	accounting	accounting	PROPN
cjfa-38808	301	7	,	,	PUNCT
cjfa-38808	301	8	3(1	3(1	NUM
cjfa-38808	301	9	)	)	PUNCT
cjfa-38808	301	10	,	,	PUNCT
cjfa-38808	301	11	109–119	109–119	NUM
cjfa-38808	301	12	.	.	PUNCT
cjfa-38808	302	1	http://dx.doi.org/10.12775/	http://dx.doi.org/10.12775/	PROPN
cjfa-38808	302	2	cjfa.2014.009	cjfa.2014.009	PROPN
cjfa-38808	302	3	.	.	PUNCT
cjfa-38808	303	1	miah	miah	PROPN
cjfa-38808	303	2	,	,	PUNCT
cjfa-38808	303	3	m.d	m.d	PROPN
cjfa-38808	303	4	.	.	PROPN
cjfa-38808	303	5	,	,	PUNCT
cjfa-38808	303	6	&	&	CCONJ
cjfa-38808	303	7	uddin	uddin	PROPN
cjfa-38808	303	8	,	,	PUNCT
cjfa-38808	303	9	h.	h.	PROPN
cjfa-38808	303	10	(	(	PUNCT
cjfa-38808	303	11	2017	2017	NUM
cjfa-38808	303	12	)	)	PUNCT
cjfa-38808	303	13	.	.	PUNCT
cjfa-38808	304	1	efficiency	efficiency	NOUN
cjfa-38808	304	2	and	and	CCONJ
cjfa-38808	304	3	stability	stability	NOUN
cjfa-38808	304	4	:	:	PUNCT
cjfa-38808	304	5	a	a	DET
cjfa-38808	304	6	comparative	comparative	ADJ
cjfa-38808	304	7	study	study	NOUN
cjfa-38808	304	8	between	between	ADP
cjfa-38808	304	9	islamic	islamic	ADJ
cjfa-38808	304	10	and	and	CCONJ
cjfa-38808	304	11	conventional	conventional	ADJ
cjfa-38808	304	12	banks	bank	NOUN
cjfa-38808	304	13	in	in	ADP
cjfa-38808	304	14	gcc	gcc	NOUN
cjfa-38808	304	15	countries	country	NOUN
cjfa-38808	304	16	.	.	PUNCT
cjfa-38808	305	1	future	future	ADJ
cjfa-38808	305	2	business	business	NOUN
cjfa-38808	305	3	journal	journal	NOUN
cjfa-38808	305	4	,	,	PUNCT
cjfa-38808	305	5	3(2	3(2	NUM
cjfa-38808	305	6	)	)	PUNCT
cjfa-38808	305	7	,	,	PUNCT
cjfa-38808	305	8	172	172	NUM
cjfa-38808	305	9	–	–	PUNCT
cjfa-38808	305	10	–	–	PUNCT
cjfa-38808	305	11	185	185	NUM
cjfa-38808	305	12	.	.	PUNCT
cjfa-38808	306	1	http://dx.doi.org/10.1016/j.fbj.2017.11.001	http://dx.doi.org/10.1016/j.fbj.2017.11.001	PROPN
cjfa-38808	306	2	.	.	PUNCT
cjfa-38808	307	1	mokhtar	mokhtar	PROPN
cjfa-38808	307	2	,	,	PUNCT
cjfa-38808	307	3	h.s.a	h.s.a	NOUN
cjfa-38808	307	4	.	.	PROPN
cjfa-38808	307	5	,	,	PUNCT
cjfa-38808	307	6	abdullah	abdullah	PROPN
cjfa-38808	307	7	,	,	PUNCT
cjfa-38808	307	8	n.	n.	NOUN
cjfa-38808	307	9	,	,	PUNCT
cjfa-38808	307	10	&	&	CCONJ
cjfa-38808	307	11	alhabshi	alhabshi	PROPN
cjfa-38808	307	12	,	,	PUNCT
cjfa-38808	307	13	s.m	s.m	PROPN
cjfa-38808	307	14	.	.	PROPN
cjfa-38808	307	15	(	(	PUNCT
cjfa-38808	307	16	2008	2008	NUM
cjfa-38808	307	17	)	)	PUNCT
cjfa-38808	307	18	.	.	PUNCT
cjfa-38808	308	1	efficiency	efficiency	NOUN
cjfa-38808	308	2	and	and	CCONJ
cjfa-38808	308	3	competition	competition	NOUN
cjfa-38808	308	4	of	of	ADP
cjfa-38808	308	5	islamic	islamic	ADJ
cjfa-38808	308	6	banking	banking	NOUN
cjfa-38808	308	7	in	in	ADP
cjfa-38808	308	8	malaysia	malaysia	PROPN
cjfa-38808	308	9	.	.	PUNCT
cjfa-38808	309	1	humanomics	humanomic	NOUN
cjfa-38808	309	2	,	,	PUNCT
cjfa-38808	309	3	24(1	24(1	NUM
cjfa-38808	309	4	)	)	PUNCT
cjfa-38808	309	5	,	,	PUNCT
cjfa-38808	309	6	28–48	28–48	NUM
cjfa-38808	309	7	.	.	PUNCT
cjfa-38808	310	1	http://dx.doi.org/10.1108/	http://dx.doi.org/10.1108/	NOUN
cjfa-38808	310	2	08288660810851450	08288660810851450	NUM
cjfa-38808	310	3	.	.	PUNCT
cjfa-38808	311	1	octrina	octrina	PROPN
cjfa-38808	311	2	,	,	PUNCT
cjfa-38808	311	3	f.	f.	PROPN
cjfa-38808	311	4	,	,	PUNCT
cjfa-38808	311	5	&	&	CCONJ
cjfa-38808	311	6	mariam	mariam	PROPN
cjfa-38808	311	7	,	,	PUNCT
cjfa-38808	311	8	a.g.s	a.g.s	PROPN
cjfa-38808	311	9	.	.	PUNCT
cjfa-38808	311	10	(	(	PUNCT
cjfa-38808	311	11	2021	2021	NUM
cjfa-38808	311	12	)	)	PUNCT
cjfa-38808	311	13	.	.	PUNCT
cjfa-38808	312	1	islamic	islamic	PROPN
cjfa-38808	312	2	bank	bank	PROPN
cjfa-38808	312	3	efficiency	efficiency	NOUN
cjfa-38808	312	4	in	in	ADP
cjfa-38808	312	5	indonesia	indonesia	PROPN
cjfa-38808	312	6	:	:	PUNCT
cjfa-38808	312	7	stochastic	stochastic	ADJ
cjfa-38808	312	8	frontier	frontier	NOUN
cjfa-38808	312	9	analysis	analysis	NOUN
cjfa-38808	312	10	.	.	PUNCT
cjfa-38808	313	1	journal	journal	NOUN
cjfa-38808	313	2	of	of	ADP
cjfa-38808	313	3	asian	asian	ADJ
cjfa-38808	313	4	finance	finance	NOUN
cjfa-38808	313	5	economics	economic	NOUN
cjfa-38808	313	6	and	and	CCONJ
cjfa-38808	313	7	business	business	NOUN
cjfa-38808	313	8	,	,	PUNCT
cjfa-38808	313	9	8(1	8(1	NOUN
cjfa-38808	313	10	)	)	PUNCT
cjfa-38808	313	11	,	,	PUNCT
cjfa-38808	313	12	751–758	751–758	NUM
cjfa-38808	313	13	.	.	PUNCT
cjfa-38808	314	1	http://dx.doi.org/10.13106/jafeb.2021.vol8.no1.751	http://dx.doi.org/10.13106/jafeb.2021.vol8.no1.751	NUM
cjfa-38808	314	2	.	.	PUNCT
cjfa-38808	314	3	sakti	sakti	PROPN
cjfa-38808	314	4	,	,	PUNCT
cjfa-38808	314	5	m.r.p	m.r.p	NOUN
cjfa-38808	314	6	.	.	PROPN
cjfa-38808	314	7	,	,	PUNCT
cjfa-38808	314	8	&	&	CCONJ
cjfa-38808	314	9	mohamad	mohamad	PROPN
cjfa-38808	314	10	,	,	PUNCT
cjfa-38808	314	11	a.	a.	NOUN
cjfa-38808	314	12	(	(	PUNCT
cjfa-38808	314	13	2018	2018	NUM
cjfa-38808	314	14	)	)	PUNCT
cjfa-38808	314	15	.	.	PUNCT
cjfa-38808	315	1	efficiency	efficiency	NOUN
cjfa-38808	315	2	,	,	PUNCT
cjfa-38808	315	3	stability	stability	NOUN
cjfa-38808	315	4	and	and	CCONJ
cjfa-38808	315	5	asset	asset	NOUN
cjfa-38808	315	6	quality	quality	NOUN
cjfa-38808	315	7	of	of	ADP
cjfa-38808	315	8	islamic	islamic	ADJ
cjfa-38808	315	9	visà	visà	ADV
cjfa-38808	315	10	-	-	PUNCT
cjfa-38808	315	11	vis	vis	X
cjfa-38808	315	12	conventional	conventional	ADJ
cjfa-38808	315	13	banks	bank	NOUN
cjfa-38808	315	14	evidence	evidence	NOUN
cjfa-38808	315	15	from	from	ADP
cjfa-38808	315	16	indonesia	indonesia	PROPN
cjfa-38808	315	17	.	.	PROPN
cjfa-38808	316	1	journal	journal	PROPN
cjfa-38808	316	2	of	of	ADP
cjfa-38808	316	3	islamic	islamic	PROPN
cjfa-38808	316	4	accounting	accounting	PROPN
cjfa-38808	316	5	and	and	CCONJ
cjfa-38808	316	6	business	business	NOUN
cjfa-38808	316	7	research	research	NOUN
cjfa-38808	316	8	,	,	PUNCT
cjfa-38808	316	9	9(3	9(3	NUM
cjfa-38808	316	10	)	)	PUNCT
cjfa-38808	316	11	,	,	PUNCT
cjfa-38808	316	12	378–400	378–400	NUM
cjfa-38808	316	13	.	.	PUNCT
cjfa-38808	317	1	http://dx.doi.org/10.2991/aebmr.k.200305.045	http://dx.doi.org/10.2991/aebmr.k.200305.045	NOUN
cjfa-38808	317	2	.	.	PUNCT
cjfa-38808	317	3	shawtari	shawtari	PROPN
cjfa-38808	317	4	,	,	PUNCT
cjfa-38808	317	5	f.a	f.a	PROPN
cjfa-38808	317	6	.	.	PROPN
cjfa-38808	317	7	,	,	PUNCT
cjfa-38808	317	8	saiti	saiti	PROPN
cjfa-38808	317	9	,	,	PUNCT
cjfa-38808	317	10	b.	b.	PROPN
cjfa-38808	317	11	,	,	PUNCT
cjfa-38808	317	12	razak	razak	PROPN
cjfa-38808	317	13	,	,	PUNCT
cjfa-38808	317	14	s.h.a	s.h.a	PROPN
cjfa-38808	317	15	.	.	PUNCT
cjfa-38808	317	16	,	,	PUNCT
cjfa-38808	317	17	&	&	CCONJ
cjfa-38808	317	18	ariff	ariff	PROPN
cjfa-38808	317	19	,	,	PUNCT
cjfa-38808	317	20	m.	m.	NOUN
cjfa-38808	317	21	(	(	PUNCT
cjfa-38808	317	22	2015	2015	NUM
cjfa-38808	317	23	)	)	PUNCT
cjfa-38808	317	24	.	.	PUNCT
cjfa-38808	318	1	the	the	DET
cjfa-38808	318	2	impact	impact	NOUN
cjfa-38808	318	3	of	of	ADP
cjfa-38808	318	4	efficiency	efficiency	NOUN
cjfa-38808	318	5	on	on	ADP
cjfa-38808	318	6	discretionary	discretionary	ADJ
cjfa-38808	318	7	loans	loan	NOUN
cjfa-38808	318	8	/	/	SYM
cjfa-38808	318	9	finance	finance	NOUN
cjfa-38808	318	10	loss	loss	NOUN
cjfa-38808	318	11	provision	provision	NOUN
cjfa-38808	318	12	:	:	PUNCT
cjfa-38808	318	13	a	a	DET
cjfa-38808	318	14	comparative	comparative	ADJ
cjfa-38808	318	15	study	study	NOUN
cjfa-38808	318	16	of	of	ADP
cjfa-38808	318	17	islamic	islamic	ADJ
cjfa-38808	318	18	and	and	CCONJ
cjfa-38808	318	19	conventional	conventional	ADJ
cjfa-38808	318	20	banks	bank	NOUN
cjfa-38808	318	21	.	.	PUNCT
cjfa-38808	319	1	borsa	borsa	PROPN
cjfa-38808	319	2	istanbul	istanbul	PROPN
cjfa-38808	319	3	review	review	PROPN
cjfa-38808	319	4	,	,	PUNCT
cjfa-38808	319	5	15(4	15(4	NUM
cjfa-38808	319	6	)	)	PUNCT
cjfa-38808	319	7	,	,	PUNCT
cjfa-38808	319	8	272–282	272–282	NUM
cjfa-38808	319	9	.	.	PUNCT
cjfa-38808	320	1	http://dx.doi.org/10.1016/j	http://dx.doi.org/10.1016/j	PROPN
cjfa-38808	320	2	.	.	PUNCT
cjfa-38808	320	3	bir.2015.06.002	bir.2015.06.002	NOUN
cjfa-38808	320	4	.	.	PUNCT
cjfa-38808	321	1	shawtari	shawtari	PROPN
cjfa-38808	321	2	,	,	PUNCT
cjfa-38808	321	3	f.a	f.a	PROPN
cjfa-38808	321	4	.	.	PROPN
cjfa-38808	321	5	,	,	PUNCT
cjfa-38808	321	6	salem	salem	PROPN
cjfa-38808	321	7	,	,	PUNCT
cjfa-38808	321	8	m.a	m.a	PROPN
cjfa-38808	321	9	.	.	PROPN
cjfa-38808	321	10	,	,	PUNCT
cjfa-38808	321	11	&	&	CCONJ
cjfa-38808	321	12	bakhit	bakhit	PROPN
cjfa-38808	321	13	,	,	PUNCT
cjfa-38808	321	14	i.	i.	PROPN
cjfa-38808	321	15	(	(	PUNCT
cjfa-38808	321	16	2018	2018	NUM
cjfa-38808	321	17	)	)	PUNCT
cjfa-38808	321	18	.	.	PUNCT
cjfa-38808	322	1	decomposition	decomposition	NOUN
cjfa-38808	322	2	of	of	ADP
cjfa-38808	322	3	efficiency	efficiency	NOUN
cjfa-38808	322	4	using	use	VERB
cjfa-38808	322	5	dea	dea	PROPN
cjfa-38808	322	6	window	window	NOUN
cjfa-38808	322	7	analysis	analysis	NOUN
cjfa-38808	322	8	:	:	PUNCT
cjfa-38808	322	9	a	a	DET
cjfa-38808	322	10	comparative	comparative	ADJ
cjfa-38808	322	11	evidence	evidence	NOUN
cjfa-38808	322	12	from	from	ADP
cjfa-38808	322	13	islamic	islamic	ADJ
cjfa-38808	322	14	and	and	CCONJ
cjfa-38808	322	15	conventional	conventional	ADJ
cjfa-38808	322	16	ban	ban	NOUN
cjfa-38808	322	17	.	.	PUNCT
cjfa-38808	323	1	benchmarking	benchmarke	VERB
cjfa-38808	323	2	:	:	PUNCT
cjfa-38808	323	3	an	an	DET
cjfa-38808	323	4	international	international	ADJ
cjfa-38808	323	5	journal	journal	NOUN
cjfa-38808	323	6	,	,	PUNCT
cjfa-38808	323	7	25(6	25(6	NOUN
cjfa-38808	323	8	)	)	PUNCT
cjfa-38808	323	9	,	,	PUNCT
cjfa-38808	323	10	1681–1705	1681–1705	NUM
cjfa-38808	323	11	.	.	PUNCT
cjfa-38808	324	1	http://dx.doi.org/10.1108/bij12-2016-0183	http://dx.doi.org/10.1108/bij12-2016-0183	PROPN
cjfa-38808	324	2	.	.	PUNCT
cjfa-38808	324	3	srairi	srairi	NOUN
cjfa-38808	324	4	,	,	PUNCT
cjfa-38808	324	5	s.	s.	PROPN
cjfa-38808	324	6	(	(	PUNCT
cjfa-38808	324	7	2010	2010	NUM
cjfa-38808	324	8	)	)	PUNCT
cjfa-38808	324	9	.	.	PUNCT
cjfa-38808	325	1	cost	cost	NOUN
cjfa-38808	325	2	and	and	CCONJ
cjfa-38808	325	3	profit	profit	NOUN
cjfa-38808	325	4	efficiency	efficiency	NOUN
cjfa-38808	325	5	of	of	ADP
cjfa-38808	325	6	conventional	conventional	ADJ
cjfa-38808	325	7	and	and	CCONJ
cjfa-38808	325	8	islamic	islamic	ADJ
cjfa-38808	325	9	banks	bank	NOUN
cjfa-38808	325	10	in	in	ADP
cjfa-38808	325	11	gcc	gcc	NOUN
cjfa-38808	325	12	countries	country	NOUN
cjfa-38808	325	13	.	.	PUNCT
cjfa-38808	326	1	journal	journal	PROPN
cjfa-38808	326	2	of	of	ADP
cjfa-38808	326	3	productivity	productivity	NOUN
cjfa-38808	326	4	analysis	analysis	NOUN
cjfa-38808	326	5	,	,	PUNCT
cjfa-38808	326	6	34(1	34(1	NUM
cjfa-38808	326	7	)	)	PUNCT
cjfa-38808	326	8	,	,	PUNCT
cjfa-38808	326	9	45–62	45–62	NUM
cjfa-38808	326	10	.	.	PUNCT
cjfa-38808	327	1	http://dx.doi.org/10.1007/	http://dx.doi.org/10.1007/	PROPN
cjfa-38808	327	2	s11123	s11123	PROPN
cjfa-38808	327	3	-	-	PUNCT
cjfa-38808	327	4	009	009	NUM
cjfa-38808	327	5	-	-	PUNCT
cjfa-38808	327	6	0161	0161	NUM
cjfa-38808	327	7	-	-	SYM
cjfa-38808	327	8	7	7	NUM
cjfa-38808	327	9	.	.	PUNCT
cjfa-38808	327	10	srairi	srairi	NOUN
cjfa-38808	327	11	,	,	PUNCT
cjfa-38808	327	12	s.	s.	PROPN
cjfa-38808	327	13	,	,	PUNCT
cjfa-38808	327	14	kouki	kouki	PROPN
cjfa-38808	327	15	,	,	PUNCT
cjfa-38808	327	16	i.	i.	PROPN
cjfa-38808	327	17	,	,	PUNCT
cjfa-38808	327	18	&	&	CCONJ
cjfa-38808	327	19	harrathi	harrathi	PROPN
cjfa-38808	327	20	,	,	PUNCT
cjfa-38808	327	21	n.	n.	PROPN
cjfa-38808	327	22	(	(	PUNCT
cjfa-38808	327	23	2012	2012	NUM
cjfa-38808	327	24	)	)	PUNCT
cjfa-38808	327	25	.	.	PUNCT
cjfa-38808	328	1	efficiency	efficiency	NOUN
cjfa-38808	328	2	and	and	CCONJ
cjfa-38808	328	3	stock	stock	NOUN
cjfa-38808	328	4	market	market	NOUN
cjfa-38808	328	5	performance	performance	NOUN
cjfa-38808	328	6	of	of	ADP
cjfa-38808	328	7	islamic	islamic	ADJ
cjfa-38808	328	8	banks	bank	NOUN
cjfa-38808	328	9	in	in	ADP
cjfa-38808	328	10	gcc	gcc	NOUN
cjfa-38808	328	11	countries	country	NOUN
cjfa-38808	328	12	.	.	PUNCT
cjfa-38808	329	1	isra	isra	PROPN
cjfa-38808	329	2	international	international	PROPN
cjfa-38808	329	3	journal	journal	PROPN
cjfa-38808	329	4	of	of	ADP
cjfa-38808	329	5	islamic	islamic	PROPN
cjfa-38808	329	6	finance	finance	NOUN
cjfa-38808	329	7	,	,	PUNCT
cjfa-38808	329	8	4(2	4(2	NUM
cjfa-38808	329	9	)	)	PUNCT
cjfa-38808	329	10	,	,	PUNCT
cjfa-38808	330	1	89–116	89–116	PROPN
cjfa-38808	330	2	.	.	PUNCT
cjfa-38808	331	1	sufian	sufian	PROPN
cjfa-38808	331	2	,	,	PUNCT
cjfa-38808	331	3	f.	f.	PROPN
cjfa-38808	331	4	,	,	PUNCT
cjfa-38808	331	5	mohamad	mohamad	PROPN
cjfa-38808	331	6	,	,	PUNCT
cjfa-38808	331	7	a.m.	a.m.	ADV
cjfa-38808	331	8	,	,	PUNCT
cjfa-38808	331	9	&	&	CCONJ
cjfa-38808	331	10	muhamed	muhamed	PROPN
cjfa-38808	331	11	-	-	PUNCT
cjfa-38808	331	12	zulkhibri	zulkhibri	PROPN
cjfa-38808	331	13	,	,	PUNCT
cjfa-38808	331	14	a.m.	a.m.	PROPN
cjfa-38808	331	15	(	(	PUNCT
cjfa-38808	331	16	2008	2008	NUM
cjfa-38808	331	17	)	)	PUNCT
cjfa-38808	331	18	.	.	PUNCT
cjfa-38808	332	1	the	the	DET
cjfa-38808	332	2	efficiency	efficiency	NOUN
cjfa-38808	332	3	of	of	ADP
cjfa-38808	332	4	islamic	islamic	ADJ
cjfa-38808	332	5	banks	bank	NOUN
cjfa-38808	332	6	:	:	PUNCT
cjfa-38808	332	7	empirical	empirical	ADJ
cjfa-38808	332	8	evidence	evidence	NOUN
cjfa-38808	332	9	from	from	ADP
cjfa-38808	332	10	the	the	DET
cjfa-38808	332	11	mena	mena	PROPN
cjfa-38808	332	12	and	and	CCONJ
cjfa-38808	332	13	asian	asian	ADJ
cjfa-38808	332	14	countries	country	NOUN
cjfa-38808	332	15	islamic	islamic	ADJ
cjfa-38808	332	16	banking	banking	NOUN
cjfa-38808	332	17	sectors	sector	NOUN
cjfa-38808	332	18	.	.	PUNCT
cjfa-38808	333	1	the	the	DET
cjfa-38808	333	2	middle	middle	PROPN
cjfa-38808	333	3	east	east	PROPN
cjfa-38808	333	4	business	business	PROPN
cjfa-38808	333	5	and	and	CCONJ
cjfa-38808	333	6	economic	economic	ADJ
cjfa-38808	333	7	review	review	NOUN
cjfa-38808	333	8	,	,	PUNCT
cjfa-38808	333	9	20(1	20(1	NUM
cjfa-38808	333	10	)	)	PUNCT
cjfa-38808	333	11	,	,	PUNCT
cjfa-38808	333	12	1–19	1–19	PROPN
cjfa-38808	333	13	.	.	PUNCT
cjfa-38808	334	1	http://dx.doi	http://dx.doi	NOUN
cjfa-38808	334	2	.	.	PUNCT
cjfa-38808	335	1	org/10.1504	org/10.1504	NOUN
cjfa-38808	335	2	/	/	SYM
cjfa-38808	335	3	jibed.2010.036999	jibed.2010.036999	NOUN
cjfa-38808	335	4	.	.	PUNCT
cjfa-38808	336	1	tek	tek	PROPN
cjfa-38808	336	2	wei	wei	PROPN
cjfa-38808	336	3	saw	see	VERB
cjfa-38808	336	4	,	,	PUNCT
cjfa-38808	336	5	a.	a.	PROPN
cjfa-38808	336	6	,	,	PUNCT
cjfa-38808	336	7	kamarudin	kamarudin	PROPN
cjfa-38808	336	8	,	,	PUNCT
cjfa-38808	336	9	f.	f.	PROPN
cjfa-38808	336	10	,	,	PUNCT
cjfa-38808	336	11	&	&	CCONJ
cjfa-38808	336	12	latiff	latiff	PROPN
cjfa-38808	336	13	,	,	PUNCT
cjfa-38808	336	14	a.s.a	a.s.a	NOUN
cjfa-38808	336	15	.	.	PUNCT
cjfa-38808	336	16	(	(	PUNCT
cjfa-38808	336	17	2020	2020	NUM
cjfa-38808	336	18	)	)	PUNCT
cjfa-38808	336	19	.	.	PUNCT
cjfa-38808	337	1	price	price	NOUN
cjfa-38808	337	2	efficiency	efficiency	NOUN
cjfa-38808	337	3	of	of	ADP
cjfa-38808	337	4	islamic	islamic	ADJ
cjfa-38808	337	5	and	and	CCONJ
cjfa-38808	337	6	conventional	conventional	ADJ
cjfa-38808	337	7	banks	bank	NOUN
cjfa-38808	337	8	:	:	PUNCT
cjfa-38808	337	9	evidence	evidence	NOUN
cjfa-38808	337	10	from	from	ADP
cjfa-38808	337	11	panel	panel	NOUN
cjfa-38808	337	12	data	datum	NOUN
cjfa-38808	337	13	.	.	PUNCT
cjfa-38808	338	1	international	international	ADJ
cjfa-38808	338	2	journal	journal	PROPN
cjfa-38808	338	3	of	of	ADP
cjfa-38808	338	4	economics	economics	PROPN
cjfa-38808	338	5	&	&	CCONJ
cjfa-38808	338	6	management	management	NOUN
cjfa-38808	338	7	,	,	PUNCT
cjfa-38808	338	8	14(2	14(2	NUM
cjfa-38808	338	9	)	)	PUNCT
cjfa-38808	338	10	,	,	PUNCT
cjfa-38808	338	11	301–310	301–310	NUM
cjfa-38808	338	12	.	.	PUNCT
cjfa-38808	339	1	yahya	yahya	PROPN
cjfa-38808	339	2	,	,	PUNCT
cjfa-38808	339	3	m.h	m.h	PROPN
cjfa-38808	339	4	.	.	PROPN
cjfa-38808	339	5	,	,	PUNCT
cjfa-38808	339	6	muhammad	muhammad	PROPN
cjfa-38808	339	7	,	,	PUNCT
cjfa-38808	339	8	j.	j.	PROPN
cjfa-38808	339	9	,	,	PUNCT
cjfa-38808	339	10	&	&	CCONJ
cjfa-38808	339	11	hadi	hadi	PROPN
cjfa-38808	339	12	,	,	PUNCT
cjfa-38808	339	13	a.	a.	NOUN
cjfa-38808	339	14	(	(	PUNCT
cjfa-38808	339	15	2012	2012	NUM
cjfa-38808	339	16	)	)	PUNCT
cjfa-38808	339	17	.	.	PUNCT
cjfa-38808	340	1	a	a	DET
cjfa-38808	340	2	comparative	comparative	ADJ
cjfa-38808	340	3	study	study	NOUN
cjfa-38808	340	4	on	on	ADP
cjfa-38808	340	5	the	the	DET
cjfa-38808	340	6	level	level	NOUN
cjfa-38808	340	7	of	of	ADP
cjfa-38808	340	8	efficiency	efficiency	NOUN
cjfa-38808	340	9	between	between	ADP
cjfa-38808	340	10	islamic	islamic	ADJ
cjfa-38808	340	11	and	and	CCONJ
cjfa-38808	340	12	conventional	conventional	ADJ
cjfa-38808	340	13	banking	banking	NOUN
cjfa-38808	340	14	systems	system	NOUN
cjfa-38808	340	15	in	in	ADP
cjfa-38808	340	16	malaysia	malaysia	PROPN
cjfa-38808	340	17	.	.	PUNCT
cjfa-38808	341	1	international	international	ADJ
cjfa-38808	341	2	journal	journal	PROPN
cjfa-38808	341	3	of	of	ADP
cjfa-38808	341	4	islamic	islamic	ADJ
cjfa-38808	341	5	and	and	CCONJ
cjfa-38808	341	6	middle	middle	ADJ
cjfa-38808	341	7	eastern	eastern	ADJ
cjfa-38808	341	8	finance	finance	NOUN
cjfa-38808	341	9	and	and	CCONJ
cjfa-38808	341	10	management	management	NOUN
cjfa-38808	341	11	,	,	PUNCT
cjfa-38808	341	12	5(1	5(1	NUM
cjfa-38808	341	13	)	)	PUNCT
cjfa-38808	341	14	,	,	PUNCT
cjfa-38808	341	15	48–62	48–62	NUM
cjfa-38808	341	16	.	.	PUNCT
cjfa-38808	342	1	http://	http://	PROPN
cjfa-38808	342	2	dx.doi.org/10.1108/17538391211216820	dx.doi.org/10.1108/17538391211216820	NOUN
cjfa-38808	342	3	.	.	PUNCT
cjfa-38808	343	1	r.	r.	PROPN
cjfa-38808	343	2	b.	b.	PROPN
cjfa-38808	343	3	slimen	slimen	PROPN
cjfa-38808	343	4	,	,	PUNCT
cjfa-38808	343	5	f.	f.	PROPN
cjfa-38808	343	6	belhaj	belhaj	PROPN
cjfa-38808	343	7	,	,	PUNCT
cjfa-38808	343	8	m.	m.	NOUN
cjfa-38808	343	9	hadriche	hadriche	NOUN
cjfa-38808	343	10	,	,	PUNCT
cjfa-38808	343	11	m.	m.	PROPN
cjfa-38808	343	12	ghroubi106	ghroubi106	PROPN
cjfa-38808	343	13	yudistira	yudistira	PROPN
cjfa-38808	343	14	,	,	PUNCT
cjfa-38808	343	15	d.	d.	PROPN
cjfa-38808	343	16	(	(	PUNCT
cjfa-38808	343	17	2004	2004	NUM
cjfa-38808	343	18	)	)	PUNCT
cjfa-38808	343	19	.	.	PUNCT
cjfa-38808	344	1	efficiency	efficiency	NOUN
cjfa-38808	344	2	in	in	ADP
cjfa-38808	344	3	islamic	islamic	ADJ
cjfa-38808	344	4	banking	banking	NOUN
cjfa-38808	344	5	:	:	PUNCT
cjfa-38808	344	6	an	an	DET
cjfa-38808	344	7	empirical	empirical	ADJ
cjfa-38808	344	8	analysis	analysis	NOUN
cjfa-38808	344	9	of	of	ADP
cjfa-38808	344	10	eighteen	eighteen	NUM
cjfa-38808	344	11	banks	bank	NOUN
cjfa-38808	344	12	.	.	PUNCT
cjfa-38808	345	1	islamic	islamic	ADJ
cjfa-38808	345	2	economic	economic	ADJ
cjfa-38808	345	3	studies	study	NOUN
cjfa-38808	345	4	,	,	PUNCT
cjfa-38808	345	5	12(1	12(1	NUM
cjfa-38808	345	6	)	)	PUNCT
cjfa-38808	345	7	,	,	PUNCT
cjfa-38808	345	8	1–19	1–19	PROPN
cjfa-38808	345	9	.	.	PUNCT
cjfa-38808	346	1	yusuf	yusuf	PROPN
cjfa-38808	346	2	,	,	PUNCT
cjfa-38808	346	3	a.a	a.a	PROPN
cjfa-38808	346	4	.	.	PROPN
cjfa-38808	346	5	,	,	PUNCT
cjfa-38808	346	6	santi	santi	PROPN
cjfa-38808	346	7	,	,	PUNCT
cjfa-38808	346	8	n.	n.	NOUN
cjfa-38808	346	9	,	,	PUNCT
cjfa-38808	346	10	&	&	CCONJ
cjfa-38808	346	11	rismaya	rismaya	PROPN
cjfa-38808	346	12	,	,	PUNCT
cjfa-38808	346	13	e.	e.	PROPN
cjfa-38808	346	14	(	(	PUNCT
cjfa-38808	346	15	2021	2021	NUM
cjfa-38808	346	16	)	)	PUNCT
cjfa-38808	346	17	.	.	PUNCT
cjfa-38808	347	1	the	the	DET
cjfa-38808	347	2	efficiency	efficiency	NOUN
cjfa-38808	347	3	of	of	ADP
cjfa-38808	347	4	islamic	islamic	ADJ
cjfa-38808	347	5	banks	bank	NOUN
cjfa-38808	347	6	:	:	PUNCT
cjfa-38808	347	7	empirical	empirical	ADJ
cjfa-38808	347	8	evidence	evidence	NOUN
cjfa-38808	347	9	from	from	ADP
cjfa-38808	347	10	indonesia	indonesia	PROPN
cjfa-38808	347	11	.	.	PUNCT
cjfa-38808	348	1	the	the	DET
cjfa-38808	348	2	journal	journal	NOUN
cjfa-38808	348	3	of	of	ADP
cjfa-38808	348	4	asian	asian	ADJ
cjfa-38808	348	5	finance	finance	NOUN
cjfa-38808	348	6	,	,	PUNCT
cjfa-38808	348	7	economics	economic	NOUN
cjfa-38808	348	8	and	and	CCONJ
cjfa-38808	348	9	business	business	NOUN
cjfa-38808	348	10	,	,	PUNCT
cjfa-38808	348	11	8(4	8(4	NUM
cjfa-38808	348	12	)	)	PUNCT
cjfa-38808	348	13	,	,	PUNCT
cjfa-38808	348	14	239–247	239–247	NUM
cjfa-38808	348	15	.	.	PUNCT
cjfa-38808	349	1	http://dx.doi.org/10.13106/jafeb.2021.vol8.no4.0239	http://dx.doi.org/10.13106/jafeb.2021.vol8.no4.0239	PROPN
cjfa-38808	349	2	.	.	PUNCT