id	sid	tid	token	lemma	pos
cjfa-8202	1	1	copernican	copernican	PROPN
cjfa-8202	1	2	journal	journal	PROPN
cjfa-8202	1	3	of	of	ADP
cjfa-8202	1	4	finance	finance	PROPN
cjfa-8202	1	5	&	&	CCONJ
cjfa-8202	1	6	accounting	accounting	PROPN
cjfa-8202	1	7	e	e	PROPN
cjfa-8202	1	8	-	-	PROPN
cjfa-8202	1	9	issn	issn	PROPN
cjfa-8202	1	10	2300	2300	NUM
cjfa-8202	1	11	-	-	SYM
cjfa-8202	1	12	3065	3065	NUM
cjfa-8202	1	13	p	p	PROPN
cjfa-8202	1	14	-	-	PUNCT
cjfa-8202	1	15	issn	issn	PROPN
cjfa-8202	1	16	2300	2300	NUM
cjfa-8202	1	17	-	-	SYM
cjfa-8202	1	18	12402015	12402015	NUM
cjfa-8202	1	19	,	,	PUNCT
cjfa-8202	1	20	volume	volume	NOUN
cjfa-8202	1	21	4	4	NUM
cjfa-8202	1	22	,	,	PUNCT
cjfa-8202	1	23	issue	issue	NOUN
cjfa-8202	1	24	2	2	NUM
cjfa-8202	1	25	date	date	NOUN
cjfa-8202	1	26	of	of	ADP
cjfa-8202	1	27	submission	submission	NOUN
cjfa-8202	1	28	:	:	PUNCT
cjfa-8202	1	29	july	july	PROPN
cjfa-8202	1	30	30	30	NUM
cjfa-8202	1	31	,	,	PUNCT
cjfa-8202	1	32	2015	2015	NUM
cjfa-8202	1	33	;	;	PUNCT
cjfa-8202	1	34	date	date	NOUN
cjfa-8202	1	35	of	of	ADP
cjfa-8202	1	36	acceptance	acceptance	NOUN
cjfa-8202	1	37	:	:	PUNCT
cjfa-8202	1	38	october	october	PROPN
cjfa-8202	1	39	23	23	NUM
cjfa-8202	1	40	,	,	PUNCT
cjfa-8202	1	41	2015	2015	NUM
cjfa-8202	1	42	.	.	PUNCT
cjfa-8202	2	1	*	*	PUNCT
cjfa-8202	2	2	contact	contact	NOUN
cjfa-8202	2	3	information	information	NOUN
cjfa-8202	2	4	:	:	PUNCT
cjfa-8202	2	5	sitorus_tigor@yahoo.com	sitorus_tigor@yahoo.com	PROPN
cjfa-8202	2	6	,	,	PUNCT
cjfa-8202	2	7	universitas	universitas	PROPN
cjfa-8202	2	8	bunda	bunda	PROPN
cjfa-8202	2	9	mulia	mulia	PROPN
cjfa-8202	2	10	,	,	PUNCT
cjfa-8202	2	11	jakarta	jakarta	PROPN
cjfa-8202	2	12	,	,	PUNCT
cjfa-8202	2	13	magister	magister	PROPN
cjfa-8202	2	14	management	management	PROPN
cjfa-8202	2	15	department	department	PROPN
cjfa-8202	2	16	,	,	PUNCT
cjfa-8202	2	17	phone	phone	NOUN
cjfa-8202	2	18	:	:	PUNCT
cjfa-8202	2	19	6281514054090	6281514054090	NUM
cjfa-8202	2	20	.	.	PUNCT
cjfa-8202	3	1	sitorus	sitorus	PROPN
cjfa-8202	3	2	t.	t.	PROPN
cjfa-8202	3	3	(	(	PUNCT
cjfa-8202	3	4	2015	2015	NUM
cjfa-8202	3	5	)	)	PUNCT
cjfa-8202	3	6	.	.	PUNCT
cjfa-8202	4	1	the	the	DET
cjfa-8202	4	2	study	study	NOUN
cjfa-8202	4	3	of	of	ADP
cjfa-8202	4	4	risk	risk	NOUN
cjfa-8202	4	5	-	-	PUNCT
cjfa-8202	4	6	weighted	weight	VERB
cjfa-8202	4	7	assets	asset	NOUN
cjfa-8202	4	8	on	on	ADP
cjfa-8202	4	9	the	the	DET
cjfa-8202	4	10	effects	effect	NOUN
cjfa-8202	4	11	of	of	ADP
cjfa-8202	4	12	loan	loan	NOUN
cjfa-8202	4	13	exposure	exposure	NOUN
cjfa-8202	4	14	valuation	valuation	NOUN
cjfa-8202	4	15	towards	towards	ADP
cjfa-8202	4	16	credit	credit	NOUN
cjfa-8202	4	17	default	default	NOUN
cjfa-8202	4	18	.	.	PUNCT
cjfa-8202	5	1	copernican	copernican	PROPN
cjfa-8202	5	2	journal	journal	PROPN
cjfa-8202	5	3	of	of	ADP
cjfa-8202	5	4	finance	finance	PROPN
cjfa-8202	5	5	&	&	CCONJ
cjfa-8202	5	6	accounting	accounting	PROPN
cjfa-8202	5	7	,	,	PUNCT
cjfa-8202	5	8	4(2	4(2	NUM
cjfa-8202	5	9	)	)	PUNCT
cjfa-8202	5	10	,	,	PUNCT
cjfa-8202	5	11	159–176	159–176	NUM
cjfa-8202	5	12	.	.	PUNCT
cjfa-8202	5	13	http://dx.doi	http://dx.doi	NOUN
cjfa-8202	5	14	.	.	PUNCT
cjfa-8202	6	1	org/10.12775	org/10.12775	PROPN
cjfa-8202	6	2	/	/	SYM
cjfa-8202	6	3	cjfa.2015.022	cjfa.2015.022	PROPN
cjfa-8202	6	4	tigor	tigor	NOUN
cjfa-8202	6	5	sitorus	sitorus	NOUN
cjfa-8202	6	6	*	*	PUNCT
cjfa-8202	6	7	universitas	universitas	PROPN
cjfa-8202	6	8	bunda	bunda	PROPN
cjfa-8202	6	9	mulia	mulia	PROPN
cjfa-8202	6	10	,	,	PUNCT
cjfa-8202	6	11	jakarta	jakarta	PROPN
cjfa-8202	6	12	the	the	DET
cjfa-8202	6	13	study	study	NOUN
cjfa-8202	6	14	of	of	ADP
cjfa-8202	6	15	risk	risk	NOUN
cjfa-8202	6	16	-	-	PUNCT
cjfa-8202	6	17	weighted	weight	VERB
cjfa-8202	6	18	assets	asset	NOUN
cjfa-8202	6	19	on	on	ADP
cjfa-8202	6	20	the	the	DET
cjfa-8202	6	21	effects	effect	NOUN
cjfa-8202	6	22	of	of	ADP
cjfa-8202	6	23	loan	loan	NOUN
cjfa-8202	6	24	exposure	exposure	NOUN
cjfa-8202	6	25	valuation	valuation	NOUN
cjfa-8202	6	26	towards	towards	ADP
cjfa-8202	6	27	credit	credit	NOUN
cjfa-8202	6	28	default	default	NOUN
cjfa-8202	6	29	(	(	PUNCT
cjfa-8202	6	30	an	an	DET
cjfa-8202	6	31	empirical	empirical	ADJ
cjfa-8202	6	32	study	study	NOUN
cjfa-8202	6	33	on	on	ADP
cjfa-8202	6	34	middle	middle	ADJ
cjfa-8202	6	35	and	and	CCONJ
cjfa-8202	6	36	top	top	ADJ
cjfa-8202	6	37	local	local	ADJ
cjfa-8202	6	38	banks	bank	NOUN
cjfa-8202	6	39	listed	list	VERB
cjfa-8202	6	40	in	in	ADP
cjfa-8202	6	41	indonesia	indonesia	PROPN
cjfa-8202	6	42	stock	stock	PROPN
cjfa-8202	6	43	exchange	exchange	PROPN
cjfa-8202	6	44	period	period	NOUN
cjfa-8202	6	45	2008	2008	NUM
cjfa-8202	6	46	–	–	PUNCT
cjfa-8202	6	47	2012	2012	NUM
cjfa-8202	6	48	)	)	PUNCT
cjfa-8202	6	49	keywords	keyword	NOUN
cjfa-8202	6	50	:	:	PUNCT
cjfa-8202	7	1	loan	loan	NOUN
cjfa-8202	7	2	,	,	PUNCT
cjfa-8202	7	3	valuation	valuation	NOUN
cjfa-8202	7	4	,	,	PUNCT
cjfa-8202	7	5	risk	risk	NOUN
cjfa-8202	7	6	.	.	PUNCT
cjfa-8202	8	1	j	j	PROPN
cjfa-8202	8	2	e	e	NOUN
cjfa-8202	8	3	l	l	NOUN
cjfa-8202	8	4	classification	classification	NOUN
cjfa-8202	8	5	:	:	PUNCT
cjfa-8202	9	1	g210	g210	PROPN
cjfa-8202	9	2	.	.	PUNCT
cjfa-8202	10	1	abstract	abstract	NOUN
cjfa-8202	10	2	:	:	PUNCT
cjfa-8202	10	3	this	this	DET
cjfa-8202	10	4	study	study	NOUN
cjfa-8202	10	5	aims	aim	VERB
cjfa-8202	10	6	at	at	ADP
cjfa-8202	10	7	investigating	investigate	VERB
cjfa-8202	10	8	and	and	CCONJ
cjfa-8202	10	9	testing	test	VERB
cjfa-8202	10	10	the	the	DET
cjfa-8202	10	11	mediated	mediate	VERB
cjfa-8202	10	12	effect	effect	NOUN
cjfa-8202	10	13	of	of	ADP
cjfa-8202	10	14	risk	risk	NOUN
cjfa-8202	10	15	-	-	PUNCT
cjfa-8202	10	16	weighted	weight	VERB
cjfa-8202	10	17	assets	asset	NOUN
cjfa-8202	10	18	on	on	ADP
cjfa-8202	10	19	the	the	DET
cjfa-8202	10	20	effects	effect	NOUN
cjfa-8202	10	21	of	of	ADP
cjfa-8202	10	22	loan	loan	NOUN
cjfa-8202	10	23	exposure	exposure	NOUN
cjfa-8202	10	24	valuation	valuation	NOUN
cjfa-8202	10	25	towards	towards	ADP
cjfa-8202	10	26	credit	credit	NOUN
cjfa-8202	10	27	default	default	NOUN
cjfa-8202	10	28	at	at	ADP
cjfa-8202	10	29	the	the	DET
cjfa-8202	10	30	local	local	ADJ
cjfa-8202	10	31	banks	bank	NOUN
cjfa-8202	10	32	listed	list	VERB
cjfa-8202	10	33	in	in	ADP
cjfa-8202	10	34	indonesian	indonesian	ADJ
cjfa-8202	10	35	stock	stock	PROPN
cjfa-8202	10	36	exchange	exchange	NOUN
cjfa-8202	10	37	from	from	ADP
cjfa-8202	10	38	the	the	DET
cjfa-8202	10	39	period	period	NOUN
cjfa-8202	10	40	of	of	ADP
cjfa-8202	10	41	2008	2008	NUM
cjfa-8202	10	42	to	to	ADP
cjfa-8202	10	43	2012	2012	NUM
cjfa-8202	10	44	.	.	PUNCT
cjfa-8202	11	1	the	the	DET
cjfa-8202	11	2	structural	structural	ADJ
cjfa-8202	11	3	equation	equation	NOUN
cjfa-8202	11	4	modelling	modelling	NOUN
cjfa-8202	11	5	by	by	ADP
cjfa-8202	11	6	amos	amos	PROPN
cjfa-8202	11	7	software	software	PROPN
cjfa-8202	11	8	21.00	21.00	NUM
cjfa-8202	11	9	was	be	AUX
cjfa-8202	11	10	used	use	VERB
cjfa-8202	11	11	to	to	PART
cjfa-8202	11	12	analyze	analyze	VERB
cjfa-8202	11	13	the	the	DET
cjfa-8202	11	14	data	datum	NOUN
cjfa-8202	11	15	,	,	PUNCT
cjfa-8202	11	16	and	and	CCONJ
cjfa-8202	11	17	the	the	DET
cjfa-8202	11	18	result	result	NOUN
cjfa-8202	11	19	shows	show	VERB
cjfa-8202	11	20	high	high	ADJ
cjfa-8202	11	21	goodness	goodness	NOUN
cjfa-8202	11	22	of	of	ADP
cjfa-8202	11	23	fit	fit	ADJ
cjfa-8202	11	24	while	while	SCONJ
cjfa-8202	11	25	the	the	DET
cjfa-8202	11	26	simultaneous	simultaneous	ADJ
cjfa-8202	11	27	and	and	CCONJ
cjfa-8202	11	28	individual	individual	ADJ
cjfa-8202	11	29	tests	test	NOUN
cjfa-8202	11	30	generate	generate	VERB
cjfa-8202	11	31	significant	significant	ADJ
cjfa-8202	11	32	result	result	NOUN
cjfa-8202	11	33	.	.	PUNCT
cjfa-8202	12	1	the	the	DET
cjfa-8202	12	2	result	result	NOUN
cjfa-8202	12	3	of	of	ADP
cjfa-8202	12	4	analysis	analysis	NOUN
cjfa-8202	12	5	shows	show	VERB
cjfa-8202	12	6	that	that	SCONJ
cjfa-8202	12	7	:	:	PUNCT
cjfa-8202	12	8	(	(	PUNCT
cjfa-8202	12	9	1	1	X
cjfa-8202	12	10	)	)	PUNCT
cjfa-8202	12	11	the	the	DET
cjfa-8202	12	12	loan	loan	NOUN
cjfa-8202	12	13	exposure	exposure	NOUN
cjfa-8202	12	14	valuation	valuation	NOUN
cjfa-8202	12	15	does	do	AUX
cjfa-8202	12	16	not	not	PART
cjfa-8202	12	17	give	give	VERB
cjfa-8202	12	18	significantly	significantly	ADV
cjfa-8202	12	19	positive	positive	ADJ
cjfa-8202	12	20	influence	influence	NOUN
cjfa-8202	12	21	to	to	ADP
cjfa-8202	12	22	credit	credit	NOUN
cjfa-8202	12	23	default	default	NOUN
cjfa-8202	12	24	;	;	PUNCT
cjfa-8202	12	25	(	(	PUNCT
cjfa-8202	12	26	2	2	X
cjfa-8202	12	27	)	)	PUNCT
cjfa-8202	12	28	the	the	DET
cjfa-8202	12	29	loan	loan	NOUN
cjfa-8202	12	30	exposure	exposure	NOUN
cjfa-8202	12	31	valuation	valuation	NOUN
cjfa-8202	12	32	gives	give	VERB
cjfa-8202	12	33	significantly	significantly	ADV
cjfa-8202	12	34	positive	positive	ADJ
cjfa-8202	12	35	influence	influence	NOUN
cjfa-8202	12	36	to	to	ADP
cjfa-8202	12	37	risk	risk	NOUN
cjfa-8202	12	38	-	-	PUNCT
cjfa-8202	12	39	weighted	weight	VERB
cjfa-8202	12	40	assets	asset	NOUN
cjfa-8202	12	41	;	;	PUNCT
cjfa-8202	12	42	(	(	PUNCT
cjfa-8202	12	43	3	3	X
cjfa-8202	12	44	)	)	PUNCT
cjfa-8202	12	45	the	the	DET
cjfa-8202	12	46	risk	risk	NOUN
cjfa-8202	12	47	-	-	PUNCT
cjfa-8202	12	48	weighted	weight	VERB
cjfa-8202	12	49	assets	asset	NOUN
cjfa-8202	12	50	give	give	VERB
cjfa-8202	12	51	significantly	significantly	ADV
cjfa-8202	12	52	positive	positive	ADJ
cjfa-8202	12	53	influence	influence	NOUN
cjfa-8202	12	54	to	to	ADP
cjfa-8202	12	55	credit	credit	NOUN
cjfa-8202	12	56	default	default	NOUN
cjfa-8202	12	57	.	.	PUNCT
cjfa-8202	13	1	therefore	therefore	ADV
cjfa-8202	13	2	,	,	PUNCT
cjfa-8202	13	3	the	the	DET
cjfa-8202	13	4	mediated	mediate	VERB
cjfa-8202	13	5	effect	effect	NOUN
cjfa-8202	13	6	of	of	ADP
cjfa-8202	13	7	risk	risk	NOUN
cjfa-8202	13	8	-	-	PUNCT
cjfa-8202	13	9	weighted	weight	VERB
cjfa-8202	13	10	assets	asset	NOUN
cjfa-8202	13	11	on	on	ADP
cjfa-8202	13	12	the	the	DET
cjfa-8202	13	13	effects	effect	NOUN
cjfa-8202	13	14	of	of	ADP
cjfa-8202	13	15	loan	loan	NOUN
cjfa-8202	13	16	exposure	exposure	NOUN
cjfa-8202	13	17	valuation	valuation	NOUN
cjfa-8202	13	18	towards	towards	ADP
cjfa-8202	13	19	credit	credit	NOUN
cjfa-8202	13	20	default	default	NOUN
cjfa-8202	13	21	has	have	VERB
cjfa-8202	13	22	more	more	ADJ
cjfa-8202	13	23	strength	strength	NOUN
cjfa-8202	13	24	compared	compare	VERB
cjfa-8202	13	25	to	to	ADP
cjfa-8202	13	26	the	the	DET
cjfa-8202	13	27	direct	direct	ADJ
cjfa-8202	13	28	effect	effect	NOUN
cjfa-8202	13	29	of	of	ADP
cjfa-8202	13	30	loan	loan	NOUN
cjfa-8202	13	31	exposure	exposure	NOUN
cjfa-8202	13	32	valuation	valuation	NOUN
cjfa-8202	13	33	to	to	ADP
cjfa-8202	13	34	credit	credit	NOUN
cjfa-8202	13	35	default	default	NOUN
cjfa-8202	13	36	.	.	PUNCT
cjfa-8202	14	1	tigor	tigor	VERB
cjfa-8202	14	2	sitorus160	sitorus160	PROPN
cjfa-8202	14	3	 	 	SPACE
cjfa-8202	14	4	1	1	NUM
cjfa-8202	14	5	.	.	PUNCT
cjfa-8202	15	1	introduction	introduction	NOUN
cjfa-8202	15	2	1.1	1.1	NUM
cjfa-8202	15	3	.	.	PUNCT
cjfa-8202	16	1	background	background	NOUN
cjfa-8202	16	2	of	of	ADP
cjfa-8202	16	3	study	study	NOUN
cjfa-8202	16	4	bank	bank	NOUN
cjfa-8202	16	5	is	be	AUX
cjfa-8202	16	6	a	a	DET
cjfa-8202	16	7	type	type	NOUN
cjfa-8202	16	8	of	of	ADP
cjfa-8202	16	9	business	business	NOUN
cjfa-8202	16	10	organization	organization	NOUN
cjfa-8202	16	11	,	,	PUNCT
cjfa-8202	16	12	which	which	PRON
cjfa-8202	16	13	is	be	AUX
cjfa-8202	16	14	placed	place	VERB
cjfa-8202	16	15	in	in	ADP
cjfa-8202	16	16	the	the	DET
cjfa-8202	16	17	area	area	NOUN
cjfa-8202	16	18	of	of	ADP
cjfa-8202	16	19	uncertainty	uncertainty	NOUN
cjfa-8202	16	20	.	.	PUNCT
cjfa-8202	17	1	various	various	ADJ
cjfa-8202	17	2	environmental	environmental	ADJ
cjfa-8202	17	3	factors	factor	NOUN
cjfa-8202	17	4	,	,	PUNCT
cjfa-8202	17	5	such	such	ADJ
cjfa-8202	17	6	as	as	ADP
cjfa-8202	17	7	customers	customer	NOUN
cjfa-8202	17	8	,	,	PUNCT
cjfa-8202	17	9	intermediaries	intermediary	NOUN
cjfa-8202	17	10	,	,	PUNCT
cjfa-8202	17	11	competitors	competitor	NOUN
cjfa-8202	17	12	,	,	PUNCT
cjfa-8202	17	13	government	government	NOUN
cjfa-8202	17	14	and	and	CCONJ
cjfa-8202	17	15	other	other	ADJ
cjfa-8202	17	16	environmental	environmental	ADJ
cjfa-8202	17	17	factors	factor	NOUN
cjfa-8202	17	18	can	can	AUX
cjfa-8202	17	19	provide	provide	VERB
cjfa-8202	17	20	both	both	CCONJ
cjfa-8202	17	21	positive	positive	ADJ
cjfa-8202	17	22	and	and	CCONJ
cjfa-8202	17	23	negative	negative	ADJ
cjfa-8202	17	24	influence	influence	NOUN
cjfa-8202	17	25	to	to	ADP
cjfa-8202	17	26	the	the	DET
cjfa-8202	17	27	bank	bank	NOUN
cjfa-8202	17	28	.	.	PUNCT
cjfa-8202	18	1	positive	positive	ADJ
cjfa-8202	18	2	influence	influence	NOUN
cjfa-8202	18	3	means	mean	VERB
cjfa-8202	18	4	more	more	ADJ
cjfa-8202	18	5	opportunities	opportunity	NOUN
cjfa-8202	18	6	or	or	CCONJ
cjfa-8202	18	7	encouragement	encouragement	NOUN
cjfa-8202	18	8	while	while	SCONJ
cjfa-8202	18	9	negative	negative	ADJ
cjfa-8202	18	10	influence	influence	NOUN
cjfa-8202	18	11	equals	equal	VERB
cjfa-8202	18	12	to	to	ADP
cjfa-8202	18	13	barriers	barrier	NOUN
cjfa-8202	18	14	or	or	CCONJ
cjfa-8202	18	15	threats	threat	NOUN
cjfa-8202	18	16	to	to	ADP
cjfa-8202	18	17	the	the	DET
cjfa-8202	18	18	bank	bank	NOUN
cjfa-8202	18	19	.	.	PUNCT
cjfa-8202	19	1	when	when	SCONJ
cjfa-8202	19	2	a	a	DET
cjfa-8202	19	3	positive	positive	ADJ
cjfa-8202	19	4	or	or	CCONJ
cjfa-8202	19	5	negative	negative	ADJ
cjfa-8202	19	6	effect	effect	NOUN
cjfa-8202	19	7	influence	influence	NOUN
cjfa-8202	19	8	the	the	DET
cjfa-8202	19	9	bank	bank	NOUN
cjfa-8202	19	10	,	,	PUNCT
cjfa-8202	19	11	all	all	DET
cjfa-8202	19	12	the	the	DET
cjfa-8202	19	13	determinant	determinant	ADJ
cjfa-8202	19	14	factors	factor	NOUN
cjfa-8202	19	15	must	must	AUX
cjfa-8202	19	16	then	then	ADV
cjfa-8202	19	17	be	be	AUX
cjfa-8202	19	18	considered	consider	VERB
cjfa-8202	19	19	,	,	PUNCT
cjfa-8202	19	20	analyzed	analyze	VERB
cjfa-8202	19	21	and	and	CCONJ
cjfa-8202	19	22	diagnosed	diagnose	VERB
cjfa-8202	19	23	in	in	ADP
cjfa-8202	19	24	order	order	NOUN
cjfa-8202	19	25	to	to	PART
cjfa-8202	19	26	predict	predict	VERB
cjfa-8202	19	27	the	the	DET
cjfa-8202	19	28	likelihood	likelihood	NOUN
cjfa-8202	19	29	that	that	SCONJ
cjfa-8202	19	30	a	a	DET
cjfa-8202	19	31	risk	risk	NOUN
cjfa-8202	19	32	will	will	AUX
cjfa-8202	19	33	occur	occur	VERB
cjfa-8202	19	34	.	.	PUNCT
cjfa-8202	20	1	empirical	empirical	ADJ
cjfa-8202	20	2	evidence	evidence	NOUN
cjfa-8202	20	3	showed	show	VERB
cjfa-8202	20	4	that	that	SCONJ
cjfa-8202	20	5	bank	bank	NOUN
cjfa-8202	20	6	of	of	ADP
cjfa-8202	20	7	indonesia	indonesia	PROPN
cjfa-8202	20	8	recorded	record	VERB
cjfa-8202	20	9	a	a	DET
cjfa-8202	20	10	credit	credit	NOUN
cjfa-8202	20	11	growth	growth	NOUN
cjfa-8202	20	12	in	in	ADP
cjfa-8202	20	13	the	the	DET
cjfa-8202	20	14	banking	banking	NOUN
cjfa-8202	20	15	sector	sector	NOUN
cjfa-8202	20	16	by	by	ADP
cjfa-8202	20	17	the	the	DET
cjfa-8202	20	18	end	end	NOUN
cjfa-8202	20	19	of	of	ADP
cjfa-8202	20	20	2012	2012	NUM
cjfa-8202	20	21	,	,	PUNCT
cjfa-8202	20	22	and	and	CCONJ
cjfa-8202	20	23	that	that	SCONJ
cjfa-8202	20	24	credit	credit	NOUN
cjfa-8202	20	25	growth	growth	NOUN
cjfa-8202	20	26	was	be	AUX
cjfa-8202	20	27	lower	low	ADJ
cjfa-8202	20	28	compared	compare	VERB
cjfa-8202	20	29	to	to	ADP
cjfa-8202	20	30	the	the	DET
cjfa-8202	20	31	previous	previous	ADJ
cjfa-8202	20	32	years	year	NOUN
cjfa-8202	20	33	’	'	PUNCT
cjfa-8202	20	34	.	.	PUNCT
cjfa-8202	21	1	it	it	PRON
cjfa-8202	21	2	is	be	AUX
cjfa-8202	21	3	even	even	ADV
cjfa-8202	21	4	below	below	ADP
cjfa-8202	21	5	the	the	DET
cjfa-8202	21	6	threshold	threshold	NOUN
cjfa-8202	21	7	of	of	ADP
cjfa-8202	21	8	the	the	DET
cjfa-8202	21	9	bank	bank	NOUN
cjfa-8202	21	10	business	business	NOUN
cjfa-8202	21	11	plan	plan	NOUN
cjfa-8202	21	12	,	,	PUNCT
cjfa-8202	21	13	which	which	PRON
cjfa-8202	21	14	is	be	AUX
cjfa-8202	21	15	at	at	ADP
cjfa-8202	21	16	the	the	DET
cjfa-8202	21	17	level	level	NOUN
cjfa-8202	21	18	of	of	ADP
cjfa-8202	21	19	23	23	NUM
cjfa-8202	21	20	%	%	NOUN
cjfa-8202	21	21	(	(	PUNCT
cjfa-8202	21	22	johansyah	johansyah	NOUN
cjfa-8202	21	23	2013	2013	NUM
cjfa-8202	21	24	)	)	PUNCT
cjfa-8202	21	25	.	.	PUNCT
cjfa-8202	22	1	on	on	ADP
cjfa-8202	22	2	the	the	DET
cjfa-8202	22	3	other	other	ADJ
cjfa-8202	22	4	hand	hand	NOUN
cjfa-8202	22	5	,	,	PUNCT
cjfa-8202	22	6	the	the	DET
cjfa-8202	22	7	credit	credit	NOUN
cjfa-8202	22	8	default	default	NOUN
cjfa-8202	22	9	has	have	AUX
cjfa-8202	22	10	increased	increase	VERB
cjfa-8202	22	11	approximately	approximately	ADV
cjfa-8202	22	12	0.12	0.12	NUM
cjfa-8202	22	13	%	%	NOUN
cjfa-8202	22	14	compared	compare	VERB
cjfa-8202	22	15	to	to	ADP
cjfa-8202	22	16	the	the	DET
cjfa-8202	22	17	previous	previous	ADJ
cjfa-8202	22	18	year	year	NOUN
cjfa-8202	22	19	,	,	PUNCT
cjfa-8202	22	20	which	which	PRON
cjfa-8202	22	21	is	be	AUX
cjfa-8202	22	22	2.70	2.70	NUM
cjfa-8202	22	23	%	%	NOUN
cjfa-8202	22	24	.	.	PUNCT
cjfa-8202	23	1	fitch	fitch	PROPN
cjfa-8202	23	2	,	,	PUNCT
cjfa-8202	23	3	which	which	PRON
cjfa-8202	23	4	is	be	AUX
cjfa-8202	23	5	a	a	DET
cjfa-8202	23	6	rating	rating	NOUN
cjfa-8202	23	7	agency	agency	NOUN
cjfa-8202	23	8	,	,	PUNCT
cjfa-8202	23	9	warned	warn	VERB
cjfa-8202	23	10	that	that	SCONJ
cjfa-8202	23	11	the	the	DET
cjfa-8202	23	12	current	current	ADJ
cjfa-8202	23	13	economic	economic	ADJ
cjfa-8202	23	14	global	global	ADJ
cjfa-8202	23	15	conditions	condition	NOUN
cjfa-8202	23	16	are	be	AUX
cjfa-8202	23	17	not	not	PART
cjfa-8202	23	18	conducive	conducive	ADJ
cjfa-8202	23	19	,	,	PUNCT
cjfa-8202	23	20	and	and	CCONJ
cjfa-8202	23	21	the	the	DET
cjfa-8202	23	22	potential	potential	ADJ
cjfa-8202	23	23	non	non	ADJ
cjfa-8202	23	24	-	-	ADJ
cjfa-8202	23	25	performing	performing	ADJ
cjfa-8202	23	26	loan	loan	NOUN
cjfa-8202	23	27	(	(	PUNCT
cjfa-8202	23	28	npl	npl	NOUN
cjfa-8202	23	29	)	)	PUNCT
cjfa-8202	23	30	will	will	AUX
cjfa-8202	23	31	increase	increase	VERB
cjfa-8202	23	32	in	in	ADP
cjfa-8202	23	33	2013	2013	NUM
cjfa-8202	23	34	from	from	ADP
cjfa-8202	23	35	its	its	PRON
cjfa-8202	23	36	lowest	low	ADJ
cjfa-8202	23	37	level	level	NOUN
cjfa-8202	23	38	in	in	ADP
cjfa-8202	23	39	2012	2012	NUM
cjfa-8202	23	40	.	.	PUNCT
cjfa-8202	24	1	(	(	PUNCT
cjfa-8202	24	2	megasari	megasari	NOUN
cjfa-8202	24	3	2012	2012	NUM
cjfa-8202	24	4	)	)	PUNCT
cjfa-8202	24	5	.	.	PUNCT
cjfa-8202	25	1	according	accord	VERB
cjfa-8202	25	2	to	to	ADP
cjfa-8202	25	3	the	the	DET
cjfa-8202	25	4	reality	reality	NOUN
cjfa-8202	25	5	that	that	PRON
cjfa-8202	25	6	is	be	AUX
cjfa-8202	25	7	faced	face	VERB
cjfa-8202	25	8	by	by	ADP
cjfa-8202	25	9	the	the	DET
cjfa-8202	25	10	banking	banking	NOUN
cjfa-8202	25	11	industry	industry	NOUN
cjfa-8202	25	12	,	,	PUNCT
cjfa-8202	25	13	especially	especially	ADV
cjfa-8202	25	14	for	for	ADP
cjfa-8202	25	15	the	the	DET
cjfa-8202	25	16	middle	middle	ADJ
cjfa-8202	25	17	and	and	CCONJ
cjfa-8202	25	18	top	top	ADJ
cjfa-8202	25	19	local	local	ADJ
cjfa-8202	25	20	bank	bank	NOUN
cjfa-8202	25	21	listed	list	VERB
cjfa-8202	25	22	in	in	ADP
cjfa-8202	25	23	indonesian	indonesian	ADJ
cjfa-8202	25	24	stock	stock	PROPN
cjfa-8202	25	25	exchange	exchange	NOUN
cjfa-8202	25	26	,	,	PUNCT
cjfa-8202	25	27	there	there	PRON
cjfa-8202	25	28	is	be	VERB
cjfa-8202	25	29	always	always	ADV
cjfa-8202	25	30	uncertainty	uncertainty	NOUN
cjfa-8202	25	31	.	.	PUNCT
cjfa-8202	26	1	this	this	PRON
cjfa-8202	26	2	means	mean	VERB
cjfa-8202	26	3	that	that	SCONJ
cjfa-8202	26	4	every	every	DET
cjfa-8202	26	5	person	person	NOUN
cjfa-8202	26	6	involved	involve	VERB
cjfa-8202	26	7	in	in	ADP
cjfa-8202	26	8	the	the	DET
cjfa-8202	26	9	management	management	NOUN
cjfa-8202	26	10	of	of	ADP
cjfa-8202	26	11	the	the	DET
cjfa-8202	26	12	bank	bank	NOUN
cjfa-8202	26	13	should	should	AUX
cjfa-8202	26	14	seek	seek	VERB
cjfa-8202	26	15	to	to	PART
cjfa-8202	26	16	address	address	VERB
cjfa-8202	26	17	the	the	DET
cjfa-8202	26	18	risks	risk	NOUN
cjfa-8202	26	19	that	that	PRON
cjfa-8202	26	20	occur	occur	VERB
cjfa-8202	26	21	or	or	CCONJ
cjfa-8202	26	22	are	be	AUX
cjfa-8202	26	23	likely	likely	ADJ
cjfa-8202	26	24	to	to	PART
cjfa-8202	26	25	occur	occur	VERB
cjfa-8202	26	26	.	.	PUNCT
cjfa-8202	27	1	furthermore	furthermore	ADV
cjfa-8202	27	2	,	,	PUNCT
cjfa-8202	27	3	they	they	PRON
cjfa-8202	27	4	should	should	AUX
cjfa-8202	27	5	also	also	ADV
cjfa-8202	27	6	seek	seek	VERB
cjfa-8202	27	7	to	to	PART
cjfa-8202	27	8	minimize	minimize	VERB
cjfa-8202	27	9	or	or	CCONJ
cjfa-8202	27	10	eliminate	eliminate	VERB
cjfa-8202	27	11	the	the	DET
cjfa-8202	27	12	loss	loss	NOUN
cjfa-8202	27	13	when	when	SCONJ
cjfa-8202	27	14	the	the	DET
cjfa-8202	27	15	risks	risk	NOUN
cjfa-8202	27	16	and	and	CCONJ
cjfa-8202	27	17	uncertainties	uncertainty	NOUN
cjfa-8202	27	18	occur	occur	VERB
cjfa-8202	27	19	by	by	ADP
cjfa-8202	27	20	implementing	implement	VERB
cjfa-8202	27	21	good	good	ADJ
cjfa-8202	27	22	risk	risk	NOUN
cjfa-8202	27	23	management	management	NOUN
cjfa-8202	27	24	.	.	PUNCT
cjfa-8202	28	1	the	the	DET
cjfa-8202	28	2	implementation	implementation	NOUN
cjfa-8202	28	3	of	of	ADP
cjfa-8202	28	4	good	good	ADJ
cjfa-8202	28	5	risk	risk	NOUN
cjfa-8202	28	6	management	management	NOUN
cjfa-8202	28	7	will	will	AUX
cjfa-8202	28	8	minimize	minimize	VERB
cjfa-8202	28	9	the	the	DET
cjfa-8202	28	10	loss	loss	NOUN
cjfa-8202	28	11	faced	face	VERB
cjfa-8202	28	12	by	by	ADP
cjfa-8202	28	13	banks	bank	NOUN
cjfa-8202	28	14	(	(	PUNCT
cjfa-8202	28	15	indonesia	indonesia	PROPN
cjfa-8202	28	16	central	central	PROPN
cjfa-8202	28	17	bank	bank	PROPN
cjfa-8202	28	18	no	no	INTJ
cjfa-8202	28	19	.	.	PUNCT
cjfa-8202	29	1	5/8	5/8	NUM
cjfa-8202	29	2	/	/	SYM
cjfa-8202	29	3	pbi/2003	pbi/2003	NOUN
cjfa-8202	29	4	)	)	PUNCT
cjfa-8202	29	5	.	.	PUNCT
cjfa-8202	30	1	as	as	ADP
cjfa-8202	30	2	a	a	DET
cjfa-8202	30	3	result	result	NOUN
cjfa-8202	30	4	,	,	PUNCT
cjfa-8202	30	5	the	the	DET
cjfa-8202	30	6	bank	bank	NOUN
cjfa-8202	30	7	can	can	AUX
cjfa-8202	30	8	maintain	maintain	VERB
cjfa-8202	30	9	its	its	PRON
cjfa-8202	30	10	viability	viability	NOUN
cjfa-8202	30	11	,	,	PUNCT
cjfa-8202	30	12	develop	develop	VERB
cjfa-8202	30	13	itself	itself	PRON
cjfa-8202	30	14	into	into	ADP
cjfa-8202	30	15	a	a	DET
cjfa-8202	30	16	larger	large	ADJ
cjfa-8202	30	17	bank	bank	NOUN
cjfa-8202	30	18	,	,	PUNCT
cjfa-8202	30	19	and	and	CCONJ
cjfa-8202	30	20	achieve	achieve	VERB
cjfa-8202	30	21	success	success	NOUN
cjfa-8202	30	22	in	in	ADP
cjfa-8202	30	23	business	business	NOUN
cjfa-8202	30	24	.	.	PUNCT
cjfa-8202	31	1	banks	bank	NOUN
cjfa-8202	31	2	that	that	PRON
cjfa-8202	31	3	do	do	AUX
cjfa-8202	31	4	not	not	PART
cjfa-8202	31	5	implement	implement	VERB
cjfa-8202	31	6	good	good	ADJ
cjfa-8202	31	7	risk	risk	NOUN
cjfa-8202	31	8	management	management	NOUN
cjfa-8202	31	9	might	might	AUX
cjfa-8202	31	10	face	face	VERB
cjfa-8202	31	11	the	the	DET
cjfa-8202	31	12	possibilities	possibility	NOUN
cjfa-8202	31	13	of	of	ADP
cjfa-8202	31	14	loss	loss	NOUN
cjfa-8202	31	15	,	,	PUNCT
cjfa-8202	31	16	and	and	CCONJ
cjfa-8202	31	17	this	this	PRON
cjfa-8202	31	18	requires	require	VERB
cjfa-8202	31	19	serious	serious	ADJ
cjfa-8202	31	20	attention	attention	NOUN
cjfa-8202	31	21	from	from	ADP
cjfa-8202	31	22	the	the	DET
cjfa-8202	31	23	management	management	NOUN
cjfa-8202	31	24	of	of	ADP
cjfa-8202	31	25	the	the	DET
cjfa-8202	31	26	banks	bank	NOUN
cjfa-8202	31	27	.	.	PUNCT
cjfa-8202	32	1	through	through	ADP
cjfa-8202	32	2	serious	serious	ADJ
cjfa-8202	32	3	attention	attention	NOUN
cjfa-8202	32	4	and	and	CCONJ
cjfa-8202	32	5	proper	proper	ADJ
cjfa-8202	32	6	analysis	analysis	NOUN
cjfa-8202	32	7	and	and	CCONJ
cjfa-8202	32	8	diagnosis	diagnosis	NOUN
cjfa-8202	32	9	,	,	PUNCT
cjfa-8202	32	10	the	the	DET
cjfa-8202	32	11	management	management	NOUN
cjfa-8202	32	12	of	of	ADP
cjfa-8202	32	13	a	a	DET
cjfa-8202	32	14	bank	bank	NOUN
cjfa-8202	32	15	is	be	AUX
cjfa-8202	32	16	expected	expect	VERB
cjfa-8202	32	17	to	to	PART
cjfa-8202	32	18	predict	predict	VERB
cjfa-8202	32	19	the	the	DET
cjfa-8202	32	20	risk	risk	NOUN
cjfa-8202	32	21	imposed	impose	VERB
cjfa-8202	32	22	on	on	ADP
cjfa-8202	32	23	other	other	ADJ
cjfa-8202	32	24	banks	bank	NOUN
cjfa-8202	32	25	so	so	SCONJ
cjfa-8202	32	26	that	that	SCONJ
cjfa-8202	32	27	the	the	DET
cjfa-8202	32	28	management	management	NOUN
cjfa-8202	32	29	will	will	AUX
cjfa-8202	32	30	be	be	AUX
cjfa-8202	32	31	able	able	ADJ
cjfa-8202	32	32	to	to	PART
cjfa-8202	32	33	minimize	minimize	VERB
cjfa-8202	32	34	the	the	DET
cjfa-8202	32	35	loss	loss	NOUN
cjfa-8202	32	36	when	when	SCONJ
cjfa-8202	32	37	something	something	PRON
cjfa-8202	32	38	unexpected	unexpected	ADJ
cjfa-8202	32	39	happens	happen	VERB
cjfa-8202	32	40	.	.	PUNCT
cjfa-8202	33	1	in	in	ADP
cjfa-8202	33	2	the	the	DET
cjfa-8202	33	3	future	future	NOUN
cjfa-8202	33	4	,	,	PUNCT
cjfa-8202	33	5	it	it	PRON
cjfa-8202	33	6	is	be	AUX
cjfa-8202	33	7	hoped	hope	VERB
cjfa-8202	33	8	that	that	SCONJ
cjfa-8202	33	9	the	the	DET
cjfa-8202	33	10	bank	bank	NOUN
cjfa-8202	33	11	will	will	AUX
cjfa-8202	33	12	be	be	AUX
cjfa-8202	33	13	able	able	ADJ
cjfa-8202	33	14	to	to	PART
cjfa-8202	33	15	make	make	VERB
cjfa-8202	33	16	prediction	prediction	NOUN
cjfa-8202	33	17	the	the	DET
cjfa-8202	33	18	study	study	NOUN
cjfa-8202	33	19	of	of	ADP
cjfa-8202	33	20	risk	risk	NOUN
cjfa-8202	33	21	-	-	PUNCT
cjfa-8202	33	22	weighted	weight	VERB
cjfa-8202	33	23	assets	asset	NOUN
cjfa-8202	33	24	on	on	ADP
cjfa-8202	33	25	the	the	DET
cjfa-8202	33	26	effects	effect	NOUN
cjfa-8202	33	27	of	of	ADP
cjfa-8202	33	28	loan	loan	NOUN
cjfa-8202	33	29	…	…	PUNCT
cjfa-8202	33	30	161	161	NUM
cjfa-8202	33	31	regarding	regard	VERB
cjfa-8202	33	32	to	to	ADP
cjfa-8202	33	33	this	this	DET
cjfa-8202	33	34	matter	matter	NOUN
cjfa-8202	33	35	and	and	CCONJ
cjfa-8202	33	36	devise	devise	VERB
cjfa-8202	33	37	the	the	DET
cjfa-8202	33	38	steps	step	NOUN
cjfa-8202	33	39	which	which	PRON
cjfa-8202	33	40	are	be	AUX
cjfa-8202	33	41	in	in	ADP
cjfa-8202	33	42	accordance	accordance	NOUN
cjfa-8202	33	43	to	to	ADP
cjfa-8202	33	44	the	the	DET
cjfa-8202	33	45	principle	principle	NOUN
cjfa-8202	33	46	of	of	ADP
cjfa-8202	33	47	prudent	prudent	NOUN
cjfa-8202	33	48	in	in	ADP
cjfa-8202	33	49	order	order	NOUN
cjfa-8202	33	50	to	to	PART
cjfa-8202	33	51	deal	deal	VERB
cjfa-8202	33	52	with	with	ADP
cjfa-8202	33	53	this	this	DET
cjfa-8202	33	54	problem	problem	NOUN
cjfa-8202	33	55	.	.	PUNCT
cjfa-8202	34	1	one	one	NUM
cjfa-8202	34	2	of	of	ADP
cjfa-8202	34	3	the	the	DET
cjfa-8202	34	4	most	most	ADV
cjfa-8202	34	5	fundamental	fundamental	ADJ
cjfa-8202	34	6	aspects	aspect	NOUN
cjfa-8202	34	7	in	in	ADP
cjfa-8202	34	8	the	the	DET
cjfa-8202	34	9	implementation	implementation	NOUN
cjfa-8202	34	10	of	of	ADP
cjfa-8202	34	11	the	the	DET
cjfa-8202	34	12	precautionary	precautionary	ADJ
cjfa-8202	34	13	principle	principle	NOUN
cjfa-8202	34	14	is	be	AUX
cjfa-8202	34	15	capital	capital	NOUN
cjfa-8202	34	16	adequacy	adequacy	NOUN
cjfa-8202	34	17	.	.	PUNCT
cjfa-8202	35	1	it	it	PRON
cjfa-8202	35	2	is	be	AUX
cjfa-8202	35	3	a	a	DET
cjfa-8202	35	4	major	major	ADJ
cjfa-8202	35	5	focus	focus	NOUN
cjfa-8202	35	6	of	of	ADP
cjfa-8202	35	7	the	the	DET
cjfa-8202	35	8	entire	entire	ADJ
cjfa-8202	35	9	banking	banking	NOUN
cjfa-8202	35	10	supervisory	supervisory	ADJ
cjfa-8202	35	11	authorities	authority	NOUN
cjfa-8202	35	12	around	around	ADP
cjfa-8202	35	13	the	the	DET
cjfa-8202	35	14	world	world	NOUN
cjfa-8202	35	15	.	.	PUNCT
cjfa-8202	36	1	capital	capital	NOUN
cjfa-8202	36	2	owned	own	VERB
cjfa-8202	36	3	by	by	ADP
cjfa-8202	36	4	the	the	DET
cjfa-8202	36	5	bank	bank	NOUN
cjfa-8202	36	6	basically	basically	ADV
cjfa-8202	36	7	should	should	AUX
cjfa-8202	36	8	be	be	AUX
cjfa-8202	36	9	sufficient	sufficient	ADJ
cjfa-8202	36	10	in	in	ADP
cjfa-8202	36	11	covering	cover	VERB
cjfa-8202	36	12	all	all	DET
cjfa-8202	36	13	the	the	DET
cjfa-8202	36	14	business	business	NOUN
cjfa-8202	36	15	risks	risk	NOUN
cjfa-8202	36	16	faced	face	VERB
cjfa-8202	36	17	by	by	ADP
cjfa-8202	36	18	the	the	DET
cjfa-8202	36	19	bank	bank	NOUN
cjfa-8202	36	20	.	.	PUNCT
cjfa-8202	37	1	the	the	DET
cjfa-8202	37	2	main	main	ADJ
cjfa-8202	37	3	risks	risk	NOUN
cjfa-8202	37	4	include	include	VERB
cjfa-8202	37	5	the	the	DET
cjfa-8202	37	6	bank	bank	NOUN
cjfa-8202	37	7	’s	’s	PART
cjfa-8202	37	8	credit	credit	NOUN
cjfa-8202	37	9	risk	risk	NOUN
cjfa-8202	37	10	,	,	PUNCT
cjfa-8202	37	11	market	market	NOUN
cjfa-8202	37	12	risk	risk	NOUN
cjfa-8202	37	13	,	,	PUNCT
cjfa-8202	37	14	operational	operational	ADJ
cjfa-8202	37	15	risk	risk	NOUN
cjfa-8202	37	16	and	and	CCONJ
cjfa-8202	37	17	liquidity	liquidity	NOUN
cjfa-8202	37	18	risk	risk	NOUN
cjfa-8202	37	19	.	.	PUNCT
cjfa-8202	38	1	measurement	measurement	NOUN
cjfa-8202	38	2	of	of	ADP
cjfa-8202	38	3	risk	risk	NOUN
cjfa-8202	38	4	is	be	AUX
cjfa-8202	38	5	very	very	ADV
cjfa-8202	38	6	important	important	ADJ
cjfa-8202	38	7	in	in	ADP
cjfa-8202	38	8	this	this	DET
cjfa-8202	38	9	case	case	NOUN
cjfa-8202	38	10	in	in	ADP
cjfa-8202	38	11	order	order	NOUN
cjfa-8202	38	12	to	to	PART
cjfa-8202	38	13	provide	provide	VERB
cjfa-8202	38	14	sufficient	sufficient	ADJ
cjfa-8202	38	15	financial	financial	ADJ
cjfa-8202	38	16	analysis	analysis	NOUN
cjfa-8202	38	17	in	in	ADP
cjfa-8202	38	18	respect	respect	NOUN
cjfa-8202	38	19	to	to	ADP
cjfa-8202	38	20	the	the	DET
cjfa-8202	38	21	management	management	NOUN
cjfa-8202	38	22	of	of	ADP
cjfa-8202	38	23	substantial	substantial	ADJ
cjfa-8202	38	24	funds	fund	NOUN
cjfa-8202	38	25	from	from	ADP
cjfa-8202	38	26	the	the	DET
cjfa-8202	38	27	public	public	NOUN
cjfa-8202	38	28	.	.	PUNCT
cjfa-8202	39	1	as	as	ADP
cjfa-8202	39	2	an	an	DET
cjfa-8202	39	3	intermediary	intermediary	ADJ
cjfa-8202	39	4	institution	institution	NOUN
cjfa-8202	39	5	,	,	PUNCT
cjfa-8202	39	6	a	a	DET
cjfa-8202	39	7	bank	bank	NOUN
cjfa-8202	39	8	is	be	AUX
cjfa-8202	39	9	highly	highly	ADV
cjfa-8202	39	10	dependent	dependent	ADJ
cjfa-8202	39	11	on	on	ADP
cjfa-8202	39	12	the	the	DET
cjfa-8202	39	13	extent	extent	NOUN
cjfa-8202	39	14	of	of	ADP
cjfa-8202	39	15	trust	trust	NOUN
cjfa-8202	39	16	placed	place	VERB
cjfa-8202	39	17	by	by	ADP
cjfa-8202	39	18	the	the	DET
cjfa-8202	39	19	public	public	NOUN
cjfa-8202	39	20	.	.	PUNCT
cjfa-8202	40	1	one	one	NUM
cjfa-8202	40	2	of	of	ADP
cjfa-8202	40	3	the	the	DET
cjfa-8202	40	4	important	important	ADJ
cjfa-8202	40	5	aspects	aspect	NOUN
cjfa-8202	40	6	in	in	ADP
cjfa-8202	40	7	the	the	DET
cjfa-8202	40	8	analysis	analysis	NOUN
cjfa-8202	40	9	of	of	ADP
cjfa-8202	40	10	financial	financial	ADJ
cjfa-8202	40	11	risks	risk	NOUN
cjfa-8202	40	12	in	in	ADP
cjfa-8202	40	13	the	the	DET
cjfa-8202	40	14	banking	banking	NOUN
cjfa-8202	40	15	industry	industry	NOUN
cjfa-8202	40	16	is	be	AUX
cjfa-8202	40	17	risk	risk	NOUN
cjfa-8202	40	18	-	-	PUNCT
cjfa-8202	40	19	weighted	weight	VERB
cjfa-8202	40	20	assets	asset	NOUN
cjfa-8202	40	21	.	.	PUNCT
cjfa-8202	41	1	there	there	PRON
cjfa-8202	41	2	are	be	VERB
cjfa-8202	41	3	many	many	ADJ
cjfa-8202	41	4	variations	variation	NOUN
cjfa-8202	41	5	in	in	ADP
cjfa-8202	41	6	calculating	calculate	VERB
cjfa-8202	41	7	the	the	DET
cjfa-8202	41	8	risk	risk	NOUN
cjfa-8202	41	9	-	-	PUNCT
cjfa-8202	41	10	weighted	weight	VERB
cjfa-8202	41	11	assets	asset	NOUN
cjfa-8202	41	12	(	(	PUNCT
cjfa-8202	41	13	rwa	rwa	PROPN
cjfa-8202	41	14	)	)	PUNCT
cjfa-8202	41	15	in	in	ADP
cjfa-8202	41	16	the	the	DET
cjfa-8202	41	17	banking	banking	NOUN
cjfa-8202	41	18	sector	sector	NOUN
cjfa-8202	41	19	.	.	PUNCT
cjfa-8202	42	1	rwa	rwa	PROPN
cjfa-8202	42	2	differences	difference	NOUN
cjfa-8202	42	3	in	in	ADP
cjfa-8202	42	4	various	various	ADJ
cjfa-8202	42	5	countries	country	NOUN
cjfa-8202	42	6	have	have	AUX
cjfa-8202	42	7	led	lead	VERB
cjfa-8202	42	8	to	to	ADP
cjfa-8202	42	9	reduced	reduce	VERB
cjfa-8202	42	10	confidence	confidence	NOUN
cjfa-8202	42	11	and	and	CCONJ
cjfa-8202	42	12	reliability	reliability	NOUN
cjfa-8202	42	13	on	on	ADP
cjfa-8202	42	14	rwa	rwa	PROPN
cjfa-8202	42	15	and	and	CCONJ
cjfa-8202	42	16	capital	capital	NOUN
cjfa-8202	42	17	ratios	ratio	NOUN
cjfa-8202	42	18	,	,	PUNCT
cjfa-8202	42	19	and	and	CCONJ
cjfa-8202	42	20	if	if	SCONJ
cjfa-8202	42	21	this	this	DET
cjfa-8202	42	22	condition	condition	NOUN
cjfa-8202	42	23	is	be	AUX
cjfa-8202	42	24	left	leave	VERB
cjfa-8202	42	25	untreated	untreated	ADJ
cjfa-8202	42	26	,	,	PUNCT
cjfa-8202	42	27	it	it	PRON
cjfa-8202	42	28	can	can	AUX
cjfa-8202	42	29	affect	affect	VERB
cjfa-8202	42	30	the	the	DET
cjfa-8202	42	31	credibility	credibility	NOUN
cjfa-8202	42	32	of	of	ADP
cjfa-8202	42	33	the	the	DET
cjfa-8202	42	34	banking	banking	NOUN
cjfa-8202	42	35	industry	industry	NOUN
cjfa-8202	42	36	in	in	ADP
cjfa-8202	42	37	general	general	ADJ
cjfa-8202	42	38	(	(	PUNCT
cjfa-8202	42	39	le	le	X
cjfa-8202	42	40	leslé	leslé	PROPN
cjfa-8202	42	41	,	,	PUNCT
cjfa-8202	42	42	avramova	avramova	PROPN
cjfa-8202	42	43	2012	2012	NUM
cjfa-8202	42	44	)	)	PUNCT
cjfa-8202	42	45	.	.	PUNCT
cjfa-8202	43	1	1.2	1.2	NUM
cjfa-8202	43	2	.	.	X
cjfa-8202	43	3	originality	originality	NOUN
cjfa-8202	43	4	this	this	DET
cjfa-8202	43	5	research	research	NOUN
cjfa-8202	43	6	tried	try	VERB
cjfa-8202	43	7	to	to	PART
cjfa-8202	43	8	develop	develop	VERB
cjfa-8202	43	9	the	the	DET
cjfa-8202	43	10	effect	effect	NOUN
cjfa-8202	43	11	of	of	ADP
cjfa-8202	43	12	loan	loan	NOUN
cjfa-8202	43	13	exposure	exposure	NOUN
cjfa-8202	43	14	valuation	valuation	NOUN
cjfa-8202	43	15	with	with	ADP
cjfa-8202	43	16	variance	variance	NOUN
cjfa-8202	43	17	amount	amount	NOUN
cjfa-8202	43	18	realized	realize	VERB
cjfa-8202	43	19	through	through	ADP
cjfa-8202	43	20	credit	credit	NOUN
cjfa-8202	43	21	,	,	PUNCT
cjfa-8202	43	22	investment	investment	NOUN
cjfa-8202	43	23	,	,	PUNCT
cjfa-8202	43	24	and	and	CCONJ
cjfa-8202	43	25	placement	placement	NOUN
cjfa-8202	43	26	on	on	ADP
cjfa-8202	43	27	the	the	DET
cjfa-8202	43	28	third	third	ADJ
cjfa-8202	43	29	parties	party	NOUN
cjfa-8202	43	30	towards	towards	ADP
cjfa-8202	43	31	credit	credit	NOUN
cjfa-8202	43	32	default	default	NOUN
cjfa-8202	43	33	.	.	PUNCT
cjfa-8202	44	1	this	this	DET
cjfa-8202	44	2	research	research	NOUN
cjfa-8202	44	3	is	be	AUX
cjfa-8202	44	4	different	different	ADJ
cjfa-8202	44	5	from	from	ADP
cjfa-8202	44	6	the	the	DET
cjfa-8202	44	7	study	study	NOUN
cjfa-8202	44	8	conducted	conduct	VERB
cjfa-8202	44	9	by	by	ADP
cjfa-8202	44	10	aziz	aziz	PROPN
cjfa-8202	44	11	and	and	CCONJ
cjfa-8202	44	12	charupat	charupat	NOUN
cjfa-8202	44	13	(	(	PUNCT
cjfa-8202	44	14	1998	1998	NUM
cjfa-8202	44	15	)	)	PUNCT
cjfa-8202	44	16	,	,	PUNCT
cjfa-8202	44	17	which	which	PRON
cjfa-8202	44	18	calculated	calculate	VERB
cjfa-8202	44	19	credit	credit	NOUN
cjfa-8202	44	20	exposure	exposure	NOUN
cjfa-8202	44	21	by	by	ADP
cjfa-8202	44	22	using	use	VERB
cjfa-8202	44	23	monte	monte	PROPN
cjfa-8202	44	24	carlo	carlo	PROPN
cjfa-8202	44	25	simulation	simulation	PROPN
cjfa-8202	44	26	(	(	PUNCT
cjfa-8202	44	27	bis	bis	ADJ
cjfa-8202	44	28	1998	1998	NUM
cjfa-8202	44	29	)	)	PUNCT
cjfa-8202	44	30	.	.	PUNCT
cjfa-8202	45	1	furthermore	furthermore	ADV
cjfa-8202	45	2	,	,	PUNCT
cjfa-8202	45	3	aziz	aziz	PROPN
cjfa-8202	45	4	and	and	CCONJ
cjfa-8202	45	5	charupat	charupat	NOUN
cjfa-8202	45	6	’s	’s	PART
cjfa-8202	45	7	study	study	NOUN
cjfa-8202	45	8	shows	show	VERB
cjfa-8202	45	9	the	the	DET
cjfa-8202	45	10	significant	significant	ADJ
cjfa-8202	45	11	effect	effect	NOUN
cjfa-8202	45	12	in	in	ADP
cjfa-8202	45	13	setting	set	VERB
cjfa-8202	45	14	the	the	DET
cjfa-8202	45	15	capital	capital	NOUN
cjfa-8202	45	16	reserves	reserve	NOUN
cjfa-8202	45	17	whereas	whereas	SCONJ
cjfa-8202	45	18	this	this	DET
cjfa-8202	45	19	study	study	NOUN
cjfa-8202	45	20	tried	try	VERB
cjfa-8202	45	21	to	to	PART
cjfa-8202	45	22	increment	increment	VERB
cjfa-8202	45	23	a	a	DET
cjfa-8202	45	24	variable	variable	NOUN
cjfa-8202	45	25	in	in	ADP
cjfa-8202	45	26	the	the	DET
cjfa-8202	45	27	relationship	relationship	NOUN
cjfa-8202	45	28	of	of	ADP
cjfa-8202	45	29	the	the	DET
cjfa-8202	45	30	loan	loan	NOUN
cjfa-8202	45	31	exposure	exposure	NOUN
cjfa-8202	45	32	and	and	CCONJ
cjfa-8202	45	33	credit	credit	NOUN
cjfa-8202	45	34	defaults	default	NOUN
cjfa-8202	45	35	in	in	ADP
cjfa-8202	45	36	some	some	DET
cjfa-8202	45	37	banks	bank	NOUN
cjfa-8202	45	38	in	in	ADP
cjfa-8202	45	39	indonesia	indonesia	PROPN
cjfa-8202	45	40	.	.	PUNCT
cjfa-8202	46	1	the	the	DET
cjfa-8202	46	2	variable	variable	NOUN
cjfa-8202	46	3	of	of	ADP
cjfa-8202	46	4	this	this	DET
cjfa-8202	46	5	research	research	NOUN
cjfa-8202	46	6	is	be	AUX
cjfa-8202	46	7	riskweighted	riskweighte	VERB
cjfa-8202	46	8	assets	asset	NOUN
cjfa-8202	46	9	(	(	PUNCT
cjfa-8202	46	10	rwa	rwa	PROPN
cjfa-8202	46	11	)	)	PUNCT
cjfa-8202	46	12	,	,	PUNCT
cjfa-8202	46	13	more	more	ADV
cjfa-8202	46	14	specifically	specifically	ADV
cjfa-8202	46	15	every	every	DET
cjfa-8202	46	16	balance	balance	NOUN
cjfa-8202	46	17	sheet	sheet	NOUN
cjfa-8202	46	18	assets	asset	NOUN
cjfa-8202	46	19	and	and	CCONJ
cjfa-8202	46	20	offbalance	offbalance	NOUN
cjfa-8202	46	21	sheet	sheet	NOUN
cjfa-8202	46	22	that	that	PRON
cjfa-8202	46	23	give	give	VERB
cjfa-8202	46	24	the	the	DET
cjfa-8202	46	25	appropriate	appropriate	ADJ
cjfa-8202	46	26	weight	weight	NOUN
cjfa-8202	46	27	levels	level	NOUN
cjfa-8202	46	28	of	of	ADP
cjfa-8202	46	29	credit	credit	NOUN
cjfa-8202	46	30	risk	risk	NOUN
cjfa-8202	46	31	inherent	inherent	ADJ
cjfa-8202	46	32	in	in	ADP
cjfa-8202	46	33	every	every	DET
cjfa-8202	46	34	account	account	NOUN
cjfa-8202	46	35	.	.	PUNCT
cjfa-8202	47	1	1.3	1.3	NUM
cjfa-8202	47	2	.	.	PUNCT
cjfa-8202	48	1	problem	problem	NOUN
cjfa-8202	48	2	formulation	formulation	NOUN
cjfa-8202	48	3	based	base	VERB
cjfa-8202	48	4	on	on	ADP
cjfa-8202	48	5	the	the	DET
cjfa-8202	48	6	phenomenon	phenomenon	NOUN
cjfa-8202	48	7	in	in	ADP
cjfa-8202	48	8	the	the	DET
cjfa-8202	48	9	banking	banking	NOUN
cjfa-8202	48	10	business	business	NOUN
cjfa-8202	48	11	and	and	CCONJ
cjfa-8202	48	12	the	the	DET
cjfa-8202	48	13	research	research	NOUN
cjfa-8202	48	14	gap	gap	NOUN
cjfa-8202	48	15	described	describe	VERB
cjfa-8202	48	16	above	above	ADP
cjfa-8202	48	17	and	and	CCONJ
cjfa-8202	48	18	according	accord	VERB
cjfa-8202	48	19	to	to	ADP
cjfa-8202	48	20	the	the	DET
cjfa-8202	48	21	regulation	regulation	NOUN
cjfa-8202	48	22	of	of	ADP
cjfa-8202	48	23	indonesian	indonesian	ADJ
cjfa-8202	48	24	central	central	PROPN
cjfa-8202	48	25	bank	bank	PROPN
cjfa-8202	48	26	no	no	INTJ
cjfa-8202	48	27	.	.	PUNCT
cjfa-8202	49	1	5/8	5/8	NUM
cjfa-8202	49	2	/	/	SYM
cjfa-8202	49	3	pbi/2003	pbi/2003	X
cjfa-8202	49	4	(	(	PUNCT
cjfa-8202	49	5	dated	date	VERB
cjfa-8202	49	6	may	may	PROPN
cjfa-8202	49	7	19	19	NUM
cjfa-8202	49	8	,	,	PUNCT
cjfa-8202	49	9	2003	2003	NUM
cjfa-8202	49	10	)	)	PUNCT
cjfa-8202	49	11	about	about	ADP
cjfa-8202	49	12	implementation	implementation	NOUN
cjfa-8202	49	13	of	of	ADP
cjfa-8202	49	14	management	management	NOUN
cjfa-8202	49	15	tigor	tigor	NOUN
cjfa-8202	49	16	sitorus162	sitorus162	ADP
cjfa-8202	49	17	risk	risk	NOUN
cjfa-8202	49	18	in	in	ADP
cjfa-8202	49	19	decreasing	decrease	VERB
cjfa-8202	49	20	default	default	NOUN
cjfa-8202	49	21	risk	risk	NOUN
cjfa-8202	49	22	,	,	PUNCT
cjfa-8202	49	23	the	the	DET
cjfa-8202	49	24	author	author	NOUN
cjfa-8202	49	25	formulated	formulate	VERB
cjfa-8202	49	26	“	"	PUNCT
cjfa-8202	49	27	how	how	SCONJ
cjfa-8202	49	28	to	to	PART
cjfa-8202	49	29	decrease	decrease	VERB
cjfa-8202	49	30	the	the	DET
cjfa-8202	49	31	credit	credit	NOUN
cjfa-8202	49	32	default	default	NOUN
cjfa-8202	49	33	”	"	PUNCT
cjfa-8202	49	34	as	as	ADP
cjfa-8202	49	35	the	the	DET
cjfa-8202	49	36	research	research	NOUN
cjfa-8202	49	37	problem	problem	NOUN
cjfa-8202	49	38	.	.	PUNCT
cjfa-8202	50	1	1.4	1.4	NUM
cjfa-8202	50	2	.	.	PUNCT
cjfa-8202	51	1	research	research	NOUN
cjfa-8202	51	2	questions	question	NOUN
cjfa-8202	51	3	according	accord	VERB
cjfa-8202	51	4	to	to	ADP
cjfa-8202	51	5	the	the	DET
cjfa-8202	51	6	problem	problem	NOUN
cjfa-8202	51	7	formulation	formulation	NOUN
cjfa-8202	51	8	,	,	PUNCT
cjfa-8202	51	9	this	this	DET
cjfa-8202	51	10	study	study	NOUN
cjfa-8202	51	11	tried	try	VERB
cjfa-8202	51	12	to	to	PART
cjfa-8202	51	13	answer	answer	VERB
cjfa-8202	51	14	some	some	DET
cjfa-8202	51	15	questions	question	NOUN
cjfa-8202	51	16	,	,	PUNCT
cjfa-8202	51	17	which	which	PRON
cjfa-8202	51	18	are	be	AUX
cjfa-8202	51	19	:	:	PUNCT
cjfa-8202	51	20	1	1	X
cjfa-8202	51	21	)	)	PUNCT
cjfa-8202	51	22	does	do	VERB
cjfa-8202	51	23	the	the	DET
cjfa-8202	51	24	loan	loan	NOUN
cjfa-8202	51	25	exposure	exposure	NOUN
cjfa-8202	51	26	valuation	valuation	NOUN
cjfa-8202	51	27	influence	influence	NOUN
cjfa-8202	51	28	credit	credit	NOUN
cjfa-8202	51	29	default	default	NOUN
cjfa-8202	51	30	?	?	PUNCT
cjfa-8202	52	1	2	2	X
cjfa-8202	52	2	)	)	PUNCT
cjfa-8202	52	3	does	do	VERB
cjfa-8202	52	4	the	the	DET
cjfa-8202	52	5	loan	loan	NOUN
cjfa-8202	52	6	exposure	exposure	NOUN
cjfa-8202	52	7	valuation	valuation	NOUN
cjfa-8202	52	8	influence	influence	NOUN
cjfa-8202	52	9	risk	risk	NOUN
cjfa-8202	52	10	-	-	PUNCT
cjfa-8202	52	11	weighted	weight	VERB
cjfa-8202	52	12	assets	asset	NOUN
cjfa-8202	52	13	?	?	PUNCT
cjfa-8202	53	1	3	3	X
cjfa-8202	53	2	)	)	PUNCT
cjfa-8202	53	3	does	do	VERB
cjfa-8202	53	4	the	the	DET
cjfa-8202	53	5	risk	risk	NOUN
cjfa-8202	53	6	-	-	PUNCT
cjfa-8202	53	7	weighted	weight	VERB
cjfa-8202	53	8	assets	asset	NOUN
cjfa-8202	53	9	influence	influence	NOUN
cjfa-8202	53	10	credit	credit	NOUN
cjfa-8202	53	11	default	default	NOUN
cjfa-8202	53	12	?	?	PUNCT
cjfa-8202	54	1	1.5	1.5	NUM
cjfa-8202	54	2	.	.	PUNCT
cjfa-8202	55	1	research	research	NOUN
cjfa-8202	55	2	objectives	objective	NOUN
cjfa-8202	55	3	based	base	VERB
cjfa-8202	55	4	on	on	ADP
cjfa-8202	55	5	the	the	DET
cjfa-8202	55	6	problem	problem	NOUN
cjfa-8202	55	7	formulation	formulation	NOUN
cjfa-8202	55	8	and	and	CCONJ
cjfa-8202	55	9	research	research	NOUN
cjfa-8202	55	10	questions	question	NOUN
cjfa-8202	55	11	,	,	PUNCT
cjfa-8202	55	12	this	this	DET
cjfa-8202	55	13	research	research	NOUN
cjfa-8202	55	14	aims	aim	VERB
cjfa-8202	55	15	at	at	ADP
cjfa-8202	55	16	:	:	SYM
cjfa-8202	55	17	1	1	X
cjfa-8202	55	18	)	)	PUNCT
cjfa-8202	55	19	identifying	identify	VERB
cjfa-8202	55	20	and	and	CCONJ
cjfa-8202	55	21	analyzing	analyze	VERB
cjfa-8202	55	22	the	the	DET
cjfa-8202	55	23	effect	effect	NOUN
cjfa-8202	55	24	of	of	ADP
cjfa-8202	55	25	the	the	DET
cjfa-8202	55	26	loan	loan	NOUN
cjfa-8202	55	27	exposure	exposure	NOUN
cjfa-8202	55	28	valuation	valuation	NOUN
cjfa-8202	55	29	on	on	ADP
cjfa-8202	55	30	credit	credit	NOUN
cjfa-8202	55	31	default	default	NOUN
cjfa-8202	55	32	.	.	PUNCT
cjfa-8202	56	1	2	2	X
cjfa-8202	56	2	)	)	PUNCT
cjfa-8202	56	3	identifying	identify	VERB
cjfa-8202	56	4	and	and	CCONJ
cjfa-8202	56	5	analyzing	analyze	VERB
cjfa-8202	56	6	the	the	DET
cjfa-8202	56	7	effect	effect	NOUN
cjfa-8202	56	8	of	of	ADP
cjfa-8202	56	9	the	the	DET
cjfa-8202	56	10	loan	loan	NOUN
cjfa-8202	56	11	exposure	exposure	NOUN
cjfa-8202	56	12	valuation	valuation	NOUN
cjfa-8202	56	13	on	on	ADP
cjfa-8202	56	14	risk	risk	NOUN
cjfa-8202	56	15	-	-	PUNCT
cjfa-8202	56	16	weighted	weight	VERB
cjfa-8202	56	17	assets	asset	NOUN
cjfa-8202	56	18	.	.	PUNCT
cjfa-8202	57	1	3	3	X
cjfa-8202	57	2	)	)	PUNCT
cjfa-8202	57	3	identifying	identify	VERB
cjfa-8202	57	4	and	and	CCONJ
cjfa-8202	57	5	analyzing	analyze	VERB
cjfa-8202	57	6	the	the	DET
cjfa-8202	57	7	effect	effect	NOUN
cjfa-8202	57	8	of	of	ADP
cjfa-8202	57	9	risk	risk	NOUN
cjfa-8202	57	10	-	-	PUNCT
cjfa-8202	57	11	weighted	weight	VERB
cjfa-8202	57	12	assets	asset	NOUN
cjfa-8202	57	13	on	on	ADP
cjfa-8202	57	14	credit	credit	NOUN
cjfa-8202	57	15	default	default	NOUN
cjfa-8202	57	16	.	.	PUNCT
cjfa-8202	58	1	1.6	1.6	NUM
cjfa-8202	58	2	.	.	PUNCT
cjfa-8202	59	1	research	research	NOUN
cjfa-8202	59	2	output	output	NOUN
cjfa-8202	59	3	this	this	DET
cjfa-8202	59	4	research	research	NOUN
cjfa-8202	59	5	will	will	AUX
cjfa-8202	59	6	give	give	VERB
cjfa-8202	59	7	contribution	contribution	NOUN
cjfa-8202	59	8	for	for	ADP
cjfa-8202	59	9	academics	academic	NOUN
cjfa-8202	59	10	area	area	NOUN
cjfa-8202	59	11	and	and	CCONJ
cjfa-8202	59	12	organizational	organizational	ADJ
cjfa-8202	59	13	practitioners	practitioner	NOUN
cjfa-8202	59	14	in	in	ADP
cjfa-8202	59	15	the	the	DET
cjfa-8202	59	16	form	form	NOUN
cjfa-8202	59	17	of	of	ADP
cjfa-8202	59	18	recommendations	recommendation	NOUN
cjfa-8202	59	19	and	and	CCONJ
cjfa-8202	59	20	the	the	DET
cjfa-8202	59	21	development	development	NOUN
cjfa-8202	59	22	of	of	ADP
cjfa-8202	59	23	theoretical	theoretical	ADJ
cjfa-8202	59	24	model	model	NOUN
cjfa-8202	59	25	and	and	CCONJ
cjfa-8202	59	26	empirical	empirical	ADJ
cjfa-8202	59	27	model	model	NOUN
cjfa-8202	59	28	about	about	ADP
cjfa-8202	59	29	the	the	DET
cjfa-8202	59	30	concepts	concept	NOUN
cjfa-8202	59	31	of	of	ADP
cjfa-8202	59	32	risk	risk	NOUN
cjfa-8202	59	33	-	-	PUNCT
cjfa-8202	59	34	weighted	weight	VERB
cjfa-8202	59	35	assets	asset	NOUN
cjfa-8202	59	36	.	.	PUNCT
cjfa-8202	60	1	a.	a.	NOUN
cjfa-8202	60	2	academic	academic	ADJ
cjfa-8202	60	3	implications	implication	NOUN
cjfa-8202	60	4	this	this	DET
cjfa-8202	60	5	research	research	NOUN
cjfa-8202	60	6	will	will	AUX
cjfa-8202	60	7	provide	provide	VERB
cjfa-8202	60	8	support	support	NOUN
cjfa-8202	60	9	for	for	ADP
cjfa-8202	60	10	the	the	DET
cjfa-8202	60	11	development	development	NOUN
cjfa-8202	60	12	of	of	ADP
cjfa-8202	60	13	the	the	DET
cjfa-8202	60	14	theory	theory	NOUN
cjfa-8202	60	15	of	of	ADP
cjfa-8202	60	16	performance	performance	NOUN
cjfa-8202	60	17	and	and	CCONJ
cjfa-8202	60	18	the	the	DET
cjfa-8202	60	19	theory	theory	NOUN
cjfa-8202	60	20	of	of	ADP
cjfa-8202	60	21	risk	risk	NOUN
cjfa-8202	60	22	by	by	ADP
cjfa-8202	60	23	observing	observe	VERB
cjfa-8202	60	24	the	the	DET
cjfa-8202	60	25	influence	influence	NOUN
cjfa-8202	60	26	factors	factor	NOUN
cjfa-8202	60	27	of	of	ADP
cjfa-8202	60	28	credit	credit	NOUN
cjfa-8202	60	29	default	default	NOUN
cjfa-8202	60	30	from	from	ADP
cjfa-8202	60	31	a	a	DET
cjfa-8202	60	32	wider	wide	ADJ
cjfa-8202	60	33	perspective	perspective	NOUN
cjfa-8202	60	34	by	by	ADP
cjfa-8202	60	35	suggesting	suggest	VERB
cjfa-8202	60	36	:	:	PUNCT
cjfa-8202	60	37	1	1	X
cjfa-8202	60	38	)	)	PUNCT
cjfa-8202	60	39	how	how	SCONJ
cjfa-8202	60	40	the	the	DET
cjfa-8202	60	41	credit	credit	NOUN
cjfa-8202	60	42	default	default	NOUN
cjfa-8202	60	43	could	could	AUX
cjfa-8202	60	44	be	be	AUX
cjfa-8202	60	45	minimized	minimize	VERB
cjfa-8202	60	46	by	by	ADP
cjfa-8202	60	47	decreasing	decrease	VERB
cjfa-8202	60	48	the	the	DET
cjfa-8202	60	49	risk	risk	NOUN
cjfa-8202	60	50	-	-	PUNCT
cjfa-8202	60	51	weighted	weight	VERB
cjfa-8202	60	52	assets	asset	NOUN
cjfa-8202	60	53	,	,	PUNCT
cjfa-8202	60	54	2	2	X
cjfa-8202	60	55	)	)	PUNCT
cjfa-8202	60	56	how	how	SCONJ
cjfa-8202	60	57	the	the	DET
cjfa-8202	60	58	risk	risk	NOUN
cjfa-8202	60	59	-	-	PUNCT
cjfa-8202	60	60	weighted	weight	VERB
cjfa-8202	60	61	assets	asset	NOUN
cjfa-8202	60	62	could	could	AUX
cjfa-8202	60	63	be	be	AUX
cjfa-8202	60	64	decreased	decrease	VERB
cjfa-8202	60	65	by	by	ADP
cjfa-8202	60	66	increasing	increase	VERB
cjfa-8202	60	67	loan	loan	NOUN
cjfa-8202	60	68	exposure	exposure	NOUN
cjfa-8202	60	69	valuation	valuation	NOUN
cjfa-8202	60	70	.	.	PUNCT
cjfa-8202	61	1	b.	b.	PROPN
cjfa-8202	61	2	practical	practical	ADJ
cjfa-8202	61	3	organizational	organizational	ADJ
cjfa-8202	61	4	implications	implication	NOUN
cjfa-8202	61	5	the	the	DET
cjfa-8202	61	6	study	study	NOUN
cjfa-8202	61	7	of	of	ADP
cjfa-8202	61	8	risk	risk	NOUN
cjfa-8202	61	9	-	-	PUNCT
cjfa-8202	61	10	weighted	weight	VERB
cjfa-8202	61	11	assets	asset	NOUN
cjfa-8202	61	12	on	on	ADP
cjfa-8202	61	13	the	the	DET
cjfa-8202	61	14	effects	effect	NOUN
cjfa-8202	61	15	of	of	ADP
cjfa-8202	61	16	loan	loan	NOUN
cjfa-8202	61	17	…	…	PUNCT
cjfa-8202	61	18	163	163	NUM
cjfa-8202	61	19	this	this	DET
cjfa-8202	61	20	research	research	NOUN
cjfa-8202	61	21	will	will	AUX
cjfa-8202	61	22	provide	provide	VERB
cjfa-8202	61	23	guidance	guidance	NOUN
cjfa-8202	61	24	in	in	ADP
cjfa-8202	61	25	valuating	valuating	NOUN
cjfa-8202	61	26	loan	loan	NOUN
cjfa-8202	61	27	exposure	exposure	NOUN
cjfa-8202	61	28	in	in	ADP
cjfa-8202	61	29	order	order	NOUN
cjfa-8202	61	30	to	to	PART
cjfa-8202	61	31	decrease	decrease	VERB
cjfa-8202	61	32	the	the	DET
cjfa-8202	61	33	credit	credit	NOUN
cjfa-8202	61	34	default	default	NOUN
cjfa-8202	61	35	.	.	PUNCT
cjfa-8202	62	1	the	the	DET
cjfa-8202	62	2	practitioners	practitioner	NOUN
cjfa-8202	62	3	should	should	AUX
cjfa-8202	62	4	therefore	therefore	ADV
cjfa-8202	62	5	precisely	precisely	ADV
cjfa-8202	62	6	calculate	calculate	VERB
cjfa-8202	62	7	the	the	DET
cjfa-8202	62	8	risk	risk	NOUN
cjfa-8202	62	9	-	-	PUNCT
cjfa-8202	62	10	weighted	weight	VERB
cjfa-8202	62	11	assets	asset	NOUN
cjfa-8202	62	12	when	when	SCONJ
cjfa-8202	62	13	giving	give	VERB
cjfa-8202	62	14	the	the	DET
cjfa-8202	62	15	credit	credit	NOUN
cjfa-8202	62	16	,	,	PUNCT
cjfa-8202	62	17	investing	invest	VERB
cjfa-8202	62	18	in	in	ADP
cjfa-8202	62	19	securities	security	NOUN
cjfa-8202	62	20	,	,	PUNCT
cjfa-8202	62	21	or	or	CCONJ
cjfa-8202	62	22	placing	place	VERB
cjfa-8202	62	23	the	the	DET
cjfa-8202	62	24	money	money	NOUN
cjfa-8202	62	25	on	on	ADP
cjfa-8202	62	26	the	the	DET
cjfa-8202	62	27	third	third	ADJ
cjfa-8202	62	28	parties	party	NOUN
cjfa-8202	62	29	.	.	PUNCT
cjfa-8202	63	1	2	2	X
cjfa-8202	63	2	.	.	X
cjfa-8202	63	3	literature	literature	NOUN
cjfa-8202	63	4	review	review	VERB
cjfa-8202	63	5	2.1	2.1	NUM
cjfa-8202	63	6	.	.	PUNCT
cjfa-8202	64	1	contingency	contingency	NOUN
cjfa-8202	64	2	theory	theory	NOUN
cjfa-8202	64	3	the	the	DET
cjfa-8202	64	4	purpose	purpose	NOUN
cjfa-8202	64	5	of	of	ADP
cjfa-8202	64	6	establishment	establishment	NOUN
cjfa-8202	64	7	of	of	ADP
cjfa-8202	64	8	a	a	DET
cjfa-8202	64	9	company	company	NOUN
cjfa-8202	64	10	concerns	concern	NOUN
cjfa-8202	64	11	with	with	ADP
cjfa-8202	64	12	the	the	DET
cjfa-8202	64	13	creation	creation	NOUN
cjfa-8202	64	14	of	of	ADP
cjfa-8202	64	15	revenue	revenue	NOUN
cjfa-8202	64	16	and	and	CCONJ
cjfa-8202	64	17	profitability	profitability	NOUN
cjfa-8202	64	18	and	and	CCONJ
cjfa-8202	64	19	improving	improve	VERB
cjfa-8202	64	20	social	social	ADJ
cjfa-8202	64	21	welfare	welfare	NOUN
cjfa-8202	64	22	.	.	PUNCT
cjfa-8202	65	1	this	this	DET
cjfa-8202	65	2	purpose	purpose	NOUN
cjfa-8202	65	3	–	–	PUNCT
cjfa-8202	65	4	whether	whether	SCONJ
cjfa-8202	65	5	it	it	PRON
cjfa-8202	65	6	is	be	AUX
cjfa-8202	65	7	short	short	ADJ
cjfa-8202	65	8	-	-	PUNCT
cjfa-8202	65	9	term	term	NOUN
cjfa-8202	65	10	,	,	PUNCT
cjfa-8202	65	11	medium	medium	ADJ
cjfa-8202	65	12	-	-	PUNCT
cjfa-8202	65	13	term	term	NOUN
cjfa-8202	65	14	,	,	PUNCT
cjfa-8202	65	15	or	or	CCONJ
cjfa-8202	65	16	long	long	ADJ
cjfa-8202	65	17	-	-	PUNCT
cjfa-8202	65	18	term	term	NOUN
cjfa-8202	65	19	purpose	purpose	NOUN
cjfa-8202	65	20	–	–	PUNCT
cjfa-8202	65	21	is	be	AUX
cjfa-8202	65	22	prepared	prepare	VERB
cjfa-8202	65	23	in	in	ADP
cjfa-8202	65	24	the	the	DET
cjfa-8202	65	25	planning	planning	NOUN
cjfa-8202	65	26	and	and	CCONJ
cjfa-8202	65	27	control	control	NOUN
cjfa-8202	65	28	stage	stage	NOUN
cjfa-8202	65	29	of	of	ADP
cjfa-8202	65	30	the	the	DET
cjfa-8202	65	31	company	company	NOUN
cjfa-8202	65	32	,	,	PUNCT
cjfa-8202	65	33	and	and	CCONJ
cjfa-8202	65	34	the	the	DET
cjfa-8202	65	35	company	company	NOUN
cjfa-8202	65	36	has	have	VERB
cjfa-8202	65	37	to	to	PART
cjfa-8202	65	38	track	track	VERB
cjfa-8202	65	39	this	this	DET
cjfa-8202	65	40	purpose	purpose	NOUN
cjfa-8202	65	41	in	in	ADP
cjfa-8202	65	42	order	order	NOUN
cjfa-8202	65	43	to	to	PART
cjfa-8202	65	44	achieve	achieve	VERB
cjfa-8202	65	45	their	their	PRON
cjfa-8202	65	46	objectives	objective	NOUN
cjfa-8202	65	47	.	.	PUNCT
cjfa-8202	66	1	behavioral	behavioral	ADJ
cjfa-8202	66	2	research	research	NOUN
cjfa-8202	66	3	in	in	ADP
cjfa-8202	66	4	accounting	accounting	NOUN
cjfa-8202	66	5	was	be	AUX
cjfa-8202	66	6	originally	originally	ADV
cjfa-8202	66	7	designed	design	VERB
cjfa-8202	66	8	by	by	ADP
cjfa-8202	66	9	some	some	DET
cjfa-8202	66	10	researchers	researcher	NOUN
cjfa-8202	66	11	to	to	PART
cjfa-8202	66	12	explain	explain	VERB
cjfa-8202	66	13	the	the	DET
cjfa-8202	66	14	universalistic	universalistic	ADJ
cjfa-8202	66	15	approach	approach	NOUN
cjfa-8202	66	16	.	.	PUNCT
cjfa-8202	67	1	some	some	PRON
cjfa-8202	67	2	of	of	ADP
cjfa-8202	67	3	the	the	DET
cjfa-8202	67	4	examples	example	NOUN
cjfa-8202	67	5	include	include	VERB
cjfa-8202	67	6	the	the	DET
cjfa-8202	67	7	research	research	NOUN
cjfa-8202	67	8	conducted	conduct	VERB
cjfa-8202	67	9	by	by	ADP
cjfa-8202	67	10	argyris	argyris	PROPN
cjfa-8202	67	11	(	(	PUNCT
cjfa-8202	67	12	1952	1952	NUM
cjfa-8202	67	13	)	)	PUNCT
cjfa-8202	67	14	,	,	PUNCT
cjfa-8202	67	15	hopwood	hopwood	PROPN
cjfa-8202	67	16	(	(	PUNCT
cjfa-8202	67	17	1972	1972	NUM
cjfa-8202	67	18	)	)	PUNCT
cjfa-8202	67	19	and	and	CCONJ
cjfa-8202	67	20	otley	otley	NOUN
cjfa-8202	67	21	(	(	PUNCT
cjfa-8202	67	22	1978	1978	NUM
cjfa-8202	67	23	)	)	PUNCT
cjfa-8202	67	24	.	.	PUNCT
cjfa-8202	68	1	universalistic	universalistic	ADJ
cjfa-8202	68	2	approach	approach	NOUN
cjfa-8202	68	3	that	that	PRON
cjfa-8202	68	4	includes	include	VERB
cjfa-8202	68	5	a	a	DET
cjfa-8202	68	6	control	control	NOUN
cjfa-8202	68	7	system	system	NOUN
cjfa-8202	68	8	can	can	AUX
cjfa-8202	68	9	be	be	AUX
cjfa-8202	68	10	applied	apply	VERB
cjfa-8202	68	11	to	to	ADP
cjfa-8202	68	12	all	all	DET
cjfa-8202	68	13	characteristics	characteristic	NOUN
cjfa-8202	68	14	of	of	ADP
cjfa-8202	68	15	any	any	DET
cjfa-8202	68	16	firm	firm	ADJ
cjfa-8202	68	17	and	and	CCONJ
cjfa-8202	68	18	environmental	environmental	ADJ
cjfa-8202	68	19	conditions	condition	NOUN
cjfa-8202	68	20	.	.	PUNCT
cjfa-8202	69	1	universalistic	universalistic	ADJ
cjfa-8202	69	2	approach	approach	NOUN
cjfa-8202	69	3	is	be	AUX
cjfa-8202	69	4	based	base	VERB
cjfa-8202	69	5	on	on	ADP
cjfa-8202	69	6	the	the	DET
cjfa-8202	69	7	scientific	scientific	ADJ
cjfa-8202	69	8	management	management	NOUN
cjfa-8202	69	9	theory	theory	NOUN
cjfa-8202	69	10	.	.	PUNCT
cjfa-8202	70	1	contingency	contingency	NOUN
cjfa-8202	70	2	theory	theory	NOUN
cjfa-8202	70	3	can	can	AUX
cjfa-8202	70	4	be	be	AUX
cjfa-8202	70	5	used	use	VERB
cjfa-8202	70	6	to	to	PART
cjfa-8202	70	7	analyze	analyze	VERB
cjfa-8202	70	8	the	the	DET
cjfa-8202	70	9	design	design	NOUN
cjfa-8202	70	10	and	and	CCONJ
cjfa-8202	70	11	management	management	NOUN
cjfa-8202	70	12	control	control	NOUN
cjfa-8202	70	13	systems	system	NOUN
cjfa-8202	70	14	in	in	ADP
cjfa-8202	70	15	order	order	NOUN
cjfa-8202	70	16	to	to	PART
cjfa-8202	70	17	provide	provide	VERB
cjfa-8202	70	18	information	information	NOUN
cjfa-8202	70	19	that	that	PRON
cjfa-8202	70	20	can	can	AUX
cjfa-8202	70	21	be	be	AUX
cjfa-8202	70	22	used	use	VERB
cjfa-8202	70	23	by	by	ADP
cjfa-8202	70	24	companies	company	NOUN
cjfa-8202	70	25	for	for	ADP
cjfa-8202	70	26	various	various	ADJ
cjfa-8202	70	27	purposes	purpose	NOUN
cjfa-8202	70	28	and	and	CCONJ
cjfa-8202	70	29	to	to	PART
cjfa-8202	70	30	face	face	VERB
cjfa-8202	70	31	competition	competition	NOUN
cjfa-8202	70	32	(	(	PUNCT
cjfa-8202	70	33	otley	otley	NOUN
cjfa-8202	70	34	1978	1978	NUM
cjfa-8202	70	35	)	)	PUNCT
cjfa-8202	70	36	.	.	PUNCT
cjfa-8202	71	1	on	on	ADP
cjfa-8202	71	2	the	the	DET
cjfa-8202	71	3	other	other	ADJ
cjfa-8202	71	4	hand	hand	NOUN
cjfa-8202	71	5	,	,	PUNCT
cjfa-8202	71	6	merchant	merchant	NOUN
cjfa-8202	71	7	(	(	PUNCT
cjfa-8202	71	8	1982	1982	NUM
cjfa-8202	71	9	)	)	PUNCT
cjfa-8202	71	10	argued	argue	VERB
cjfa-8202	71	11	that	that	SCONJ
cjfa-8202	71	12	there	there	PRON
cjfa-8202	71	13	is	be	VERB
cjfa-8202	71	14	no	no	DET
cjfa-8202	71	15	universal	universal	ADJ
cjfa-8202	71	16	control	control	NOUN
cjfa-8202	71	17	system	system	NOUN
cjfa-8202	71	18	that	that	PRON
cjfa-8202	71	19	can	can	AUX
cjfa-8202	71	20	always	always	ADV
cjfa-8202	71	21	be	be	AUX
cjfa-8202	71	22	applied	apply	VERB
cjfa-8202	71	23	to	to	ADP
cjfa-8202	71	24	the	the	DET
cjfa-8202	71	25	entire	entire	ADJ
cjfa-8202	71	26	organization	organization	NOUN
cjfa-8202	71	27	in	in	ADP
cjfa-8202	71	28	each	each	DET
cjfa-8202	71	29	state	state	NOUN
cjfa-8202	71	30	.	.	PUNCT
cjfa-8202	72	1	control	control	NOUN
cjfa-8202	72	2	systems	system	NOUN
cjfa-8202	72	3	will	will	AUX
cjfa-8202	72	4	vary	vary	VERB
cjfa-8202	72	5	in	in	ADP
cjfa-8202	72	6	every	every	DET
cjfa-8202	72	7	organization	organization	NOUN
cjfa-8202	72	8	based	base	VERB
cjfa-8202	72	9	on	on	ADP
cjfa-8202	72	10	its	its	PRON
cjfa-8202	72	11	organizational	organizational	ADJ
cjfa-8202	72	12	and	and	CCONJ
cjfa-8202	72	13	situational	situational	ADJ
cjfa-8202	72	14	factors	factor	NOUN
cjfa-8202	72	15	.	.	PUNCT
cjfa-8202	73	1	2.2	2.2	NUM
cjfa-8202	73	2	.	.	PUNCT
cjfa-8202	74	1	control	control	PROPN
cjfa-8202	74	2	theory	theory	PROPN
cjfa-8202	74	3	anthony	anthony	PROPN
cjfa-8202	74	4	and	and	CCONJ
cjfa-8202	74	5	govindarajan	govindarajan	PROPN
cjfa-8202	74	6	(	(	PUNCT
cjfa-8202	74	7	2005	2005	NUM
cjfa-8202	74	8	)	)	PUNCT
cjfa-8202	74	9	stated	state	VERB
cjfa-8202	74	10	that	that	SCONJ
cjfa-8202	74	11	management	management	NOUN
cjfa-8202	74	12	control	control	NOUN
cjfa-8202	74	13	activities	activity	NOUN
cjfa-8202	74	14	include	include	VERB
cjfa-8202	74	15	plan	plan	NOUN
cjfa-8202	74	16	,	,	PUNCT
cjfa-8202	74	17	coordinate	coordinate	NOUN
cjfa-8202	74	18	,	,	PUNCT
cjfa-8202	74	19	communicate	communicate	VERB
cjfa-8202	74	20	,	,	PUNCT
cjfa-8202	74	21	evaluate	evaluate	VERB
cjfa-8202	74	22	,	,	PUNCT
cjfa-8202	74	23	decide	decide	NOUN
cjfa-8202	74	24	,	,	PUNCT
cjfa-8202	74	25	and	and	CCONJ
cjfa-8202	74	26	influence	influence	NOUN
cjfa-8202	74	27	,	,	PUNCT
cjfa-8202	74	28	and	and	CCONJ
cjfa-8202	74	29	the	the	DET
cjfa-8202	74	30	control	control	NOUN
cjfa-8202	74	31	system	system	NOUN
cjfa-8202	74	32	elements	element	NOUN
cjfa-8202	74	33	include	include	VERB
cjfa-8202	74	34	detector	detector	NOUN
cjfa-8202	74	35	,	,	PUNCT
cjfa-8202	74	36	assessor	assessor	NOUN
cjfa-8202	74	37	,	,	PUNCT
cjfa-8202	74	38	effector	effector	NOUN
cjfa-8202	74	39	,	,	PUNCT
cjfa-8202	74	40	and	and	CCONJ
cjfa-8202	74	41	communication	communication	NOUN
cjfa-8202	74	42	networks	network	NOUN
cjfa-8202	74	43	.	.	PUNCT
cjfa-8202	75	1	huezynski	huezynski	PROPN
cjfa-8202	75	2	and	and	CCONJ
cjfa-8202	75	3	buchanan	buchanan	PROPN
cjfa-8202	75	4	(	(	PUNCT
cjfa-8202	75	5	1991	1991	NUM
cjfa-8202	75	6	)	)	PUNCT
cjfa-8202	75	7	explained	explain	VERB
cjfa-8202	75	8	that	that	SCONJ
cjfa-8202	75	9	management	management	NOUN
cjfa-8202	75	10	control	control	NOUN
cjfa-8202	75	11	is	be	AUX
cjfa-8202	75	12	as	as	ADP
cjfa-8202	75	13	a	a	DET
cjfa-8202	75	14	process	process	NOUN
cjfa-8202	75	15	through	through	ADP
cjfa-8202	75	16	which	which	PRON
cjfa-8202	75	17	the	the	DET
cjfa-8202	75	18	implemented	implement	VERB
cjfa-8202	75	19	plans	plan	NOUN
cjfa-8202	75	20	and	and	CCONJ
cjfa-8202	75	21	goals	goal	NOUN
cjfa-8202	75	22	are	be	AUX
cjfa-8202	75	23	achieved	achieve	VERB
cjfa-8202	75	24	through	through	ADP
cjfa-8202	75	25	the	the	DET
cjfa-8202	75	26	establishment	establishment	NOUN
cjfa-8202	75	27	of	of	ADP
cjfa-8202	75	28	standards	standard	NOUN
cjfa-8202	75	29	and	and	CCONJ
cjfa-8202	75	30	measurement	measurement	NOUN
cjfa-8202	75	31	database	database	NOUN
cjfa-8202	75	32	.	.	PUNCT
cjfa-8202	76	1	management	management	NOUN
cjfa-8202	76	2	control	control	NOUN
cjfa-8202	76	3	must	must	AUX
cjfa-8202	76	4	address	address	VERB
cjfa-8202	76	5	the	the	DET
cjfa-8202	76	6	issues	issue	NOUN
cjfa-8202	76	7	by	by	ADP
cjfa-8202	76	8	comparing	compare	VERB
cjfa-8202	76	9	actual	actual	ADJ
cjfa-8202	76	10	performance	performance	NOUN
cjfa-8202	76	11	with	with	ADP
cjfa-8202	76	12	the	the	DET
cjfa-8202	76	13	standtigor	standtigor	NOUN
cjfa-8202	76	14	sitorus164	sitorus164	PROPN
cjfa-8202	76	15	ards	ard	NOUN
cjfa-8202	76	16	and	and	CCONJ
cjfa-8202	76	17	by	by	ADP
cjfa-8202	76	18	determining	determine	VERB
cjfa-8202	76	19	corrective	corrective	ADJ
cjfa-8202	76	20	action	action	NOUN
cjfa-8202	76	21	and	and	CCONJ
cjfa-8202	76	22	feedback	feedback	NOUN
cjfa-8202	76	23	needed	need	VERB
cjfa-8202	76	24	.	.	PUNCT
cjfa-8202	77	1	furthermore	furthermore	ADV
cjfa-8202	77	2	,	,	PUNCT
cjfa-8202	77	3	huezynski	huezynski	PROPN
cjfa-8202	77	4	and	and	CCONJ
cjfa-8202	77	5	buchanan	buchanan	PROPN
cjfa-8202	77	6	(	(	PUNCT
cjfa-8202	77	7	1991	1991	NUM
cjfa-8202	77	8	)	)	PUNCT
cjfa-8202	77	9	explained	explain	VERB
cjfa-8202	77	10	that	that	SCONJ
cjfa-8202	77	11	the	the	DET
cjfa-8202	77	12	control	control	NOUN
cjfa-8202	77	13	of	of	ADP
cjfa-8202	77	14	the	the	DET
cjfa-8202	77	15	organization	organization	NOUN
cjfa-8202	77	16	is	be	AUX
cjfa-8202	77	17	a	a	DET
cjfa-8202	77	18	meaningful	meaningful	ADJ
cjfa-8202	77	19	and	and	CCONJ
cjfa-8202	77	20	important	important	ADJ
cjfa-8202	77	21	activity	activity	NOUN
cjfa-8202	77	22	because	because	SCONJ
cjfa-8202	77	23	if	if	SCONJ
cjfa-8202	77	24	the	the	DET
cjfa-8202	77	25	control	control	NOUN
cjfa-8202	77	26	activities	activity	NOUN
cjfa-8202	77	27	in	in	ADP
cjfa-8202	77	28	an	an	DET
cjfa-8202	77	29	organization	organization	NOUN
cjfa-8202	77	30	do	do	AUX
cjfa-8202	77	31	not	not	PART
cjfa-8202	77	32	run	run	VERB
cjfa-8202	77	33	properly	properly	ADV
cjfa-8202	77	34	,	,	PUNCT
cjfa-8202	77	35	the	the	DET
cjfa-8202	77	36	operating	operate	VERB
cjfa-8202	77	37	activities	activity	NOUN
cjfa-8202	77	38	will	will	AUX
cjfa-8202	77	39	be	be	AUX
cjfa-8202	77	40	impaired	impair	VERB
cjfa-8202	77	41	and	and	CCONJ
cjfa-8202	77	42	wasted	waste	VERB
cjfa-8202	77	43	(	(	PUNCT
cjfa-8202	77	44	in	in	ADP
cjfa-8202	77	45	terms	term	NOUN
cjfa-8202	77	46	of	of	ADP
cjfa-8202	77	47	efficiency	efficiency	NOUN
cjfa-8202	77	48	)	)	PUNCT
cjfa-8202	77	49	.	.	PUNCT
cjfa-8202	78	1	snell	snell	PROPN
cjfa-8202	78	2	(	(	PUNCT
cjfa-8202	78	3	1992	1992	NUM
cjfa-8202	78	4	)	)	PUNCT
cjfa-8202	78	5	defined	define	VERB
cjfa-8202	78	6	the	the	DET
cjfa-8202	78	7	controls	control	NOUN
cjfa-8202	78	8	as	as	ADP
cjfa-8202	78	9	any	any	DET
cjfa-8202	78	10	process	process	NOUN
cjfa-8202	78	11	that	that	PRON
cjfa-8202	78	12	helps	help	VERB
cjfa-8202	78	13	in	in	ADP
cjfa-8202	78	14	aligning	align	VERB
cjfa-8202	78	15	the	the	DET
cjfa-8202	78	16	actions	action	NOUN
cjfa-8202	78	17	of	of	ADP
cjfa-8202	78	18	the	the	DET
cjfa-8202	78	19	individual	individual	NOUN
cjfa-8202	78	20	with	with	ADP
cjfa-8202	78	21	the	the	DET
cjfa-8202	78	22	interests	interest	NOUN
cjfa-8202	78	23	of	of	ADP
cjfa-8202	78	24	the	the	DET
cjfa-8202	78	25	organization	organization	NOUN
cjfa-8202	78	26	that	that	PRON
cjfa-8202	78	27	hires	hire	VERB
cjfa-8202	78	28	him	he	PRON
cjfa-8202	78	29	or	or	CCONJ
cjfa-8202	78	30	her	she	PRON
cjfa-8202	78	31	.	.	PUNCT
cjfa-8202	79	1	furthermore	furthermore	ADV
cjfa-8202	79	2	,	,	PUNCT
cjfa-8202	79	3	snell	snell	PROPN
cjfa-8202	79	4	(	(	PUNCT
cjfa-8202	79	5	1992	1992	NUM
cjfa-8202	79	6	)	)	PUNCT
cjfa-8202	79	7	divided	divide	VERB
cjfa-8202	79	8	the	the	DET
cjfa-8202	79	9	controls	control	NOUN
cjfa-8202	79	10	into	into	ADP
cjfa-8202	79	11	3	3	NUM
cjfa-8202	79	12	(	(	PUNCT
cjfa-8202	79	13	three	three	NUM
cjfa-8202	79	14	)	)	PUNCT
cjfa-8202	79	15	types	type	NOUN
cjfa-8202	79	16	of	of	ADP
cjfa-8202	79	17	typology	typology	NOUN
cjfa-8202	79	18	,	,	PUNCT
cjfa-8202	79	19	which	which	PRON
cjfa-8202	79	20	are	be	AUX
cjfa-8202	79	21	control	control	NOUN
cjfa-8202	79	22	systems	system	NOUN
cjfa-8202	79	23	of	of	ADP
cjfa-8202	79	24	behavior	behavior	NOUN
cjfa-8202	79	25	,	,	PUNCT
cjfa-8202	79	26	control	control	NOUN
cjfa-8202	79	27	systems	system	NOUN
cjfa-8202	79	28	of	of	ADP
cjfa-8202	79	29	results	result	NOUN
cjfa-8202	79	30	,	,	PUNCT
cjfa-8202	79	31	and	and	CCONJ
cjfa-8202	79	32	input	input	NOUN
cjfa-8202	79	33	control	control	NOUN
cjfa-8202	79	34	system	system	NOUN
cjfa-8202	79	35	.	.	PUNCT
cjfa-8202	80	1	2.3	2.3	NUM
cjfa-8202	80	2	.	.	PUNCT
cjfa-8202	80	3	concept	concept	NOUN
cjfa-8202	80	4	of	of	ADP
cjfa-8202	80	5	banking	banking	NOUN
cjfa-8202	80	6	and	and	CCONJ
cjfa-8202	80	7	credit	credit	NOUN
cjfa-8202	80	8	according	accord	VERB
cjfa-8202	80	9	to	to	ADP
cjfa-8202	80	10	the	the	DET
cjfa-8202	80	11	circular	circular	ADJ
cjfa-8202	80	12	letter	letter	NOUN
cjfa-8202	80	13	of	of	ADP
cjfa-8202	80	14	bank	bank	PROPN
cjfa-8202	80	15	of	of	ADP
cjfa-8202	80	16	indonesia	indonesia	PROPN
cjfa-8202	80	17	(	(	PUNCT
cjfa-8202	80	18	se	se	X
cjfa-8202	80	19	bi	bi	PROPN
cjfa-8202	80	20	)	)	PUNCT
cjfa-8202	80	21	no.26/4	no.26/4	PROPN
cjfa-8202	80	22	/	/	SYM
cjfa-8202	80	23	bppp	bppp	NOUN
cjfa-8202	80	24	(	(	PUNCT
cjfa-8202	80	25	dated	date	VERB
cjfa-8202	80	26	may	may	PROPN
cjfa-8202	80	27	29	29	NUM
cjfa-8202	80	28	,	,	PUNCT
cjfa-8202	80	29	1994	1994	NUM
cjfa-8202	80	30	)	)	PUNCT
cjfa-8202	80	31	,	,	PUNCT
cjfa-8202	80	32	earning	earn	VERB
cjfa-8202	80	33	assets	asset	NOUN
cjfa-8202	80	34	(	(	PUNCT
cjfa-8202	80	35	loans	loan	NOUN
cjfa-8202	80	36	)	)	PUNCT
cjfa-8202	80	37	are	be	AUX
cjfa-8202	80	38	all	all	PRON
cjfa-8202	80	39	assets	asset	NOUN
cjfa-8202	80	40	in	in	ADP
cjfa-8202	80	41	dollars	dollar	NOUN
cjfa-8202	80	42	and	and	CCONJ
cjfa-8202	80	43	foreign	foreign	ADJ
cjfa-8202	80	44	currencies	currency	NOUN
cjfa-8202	80	45	held	hold	VERB
cjfa-8202	80	46	by	by	ADP
cjfa-8202	80	47	the	the	DET
cjfa-8202	80	48	bank	bank	NOUN
cjfa-8202	80	49	in	in	ADP
cjfa-8202	80	50	order	order	NOUN
cjfa-8202	80	51	to	to	PART
cjfa-8202	80	52	earn	earn	VERB
cjfa-8202	80	53	revenue	revenue	NOUN
cjfa-8202	80	54	according	accord	VERB
cjfa-8202	80	55	to	to	ADP
cjfa-8202	80	56	function	function	NOUN
cjfa-8202	80	57	.	.	PUNCT
cjfa-8202	81	1	the	the	DET
cjfa-8202	81	2	types	type	NOUN
cjfa-8202	81	3	of	of	ADP
cjfa-8202	81	4	earning	earn	VERB
cjfa-8202	81	5	assets	asset	NOUN
cjfa-8202	81	6	are	be	AUX
cjfa-8202	81	7	amount	amount	NOUN
cjfa-8202	81	8	of	of	ADP
cjfa-8202	81	9	credit	credit	NOUN
cjfa-8202	81	10	,	,	PUNCT
cjfa-8202	81	11	letter	letter	NOUN
cjfa-8202	81	12	of	of	ADP
cjfa-8202	81	13	credit	credit	NOUN
cjfa-8202	81	14	,	,	PUNCT
cjfa-8202	81	15	placement	placement	NOUN
cjfa-8202	81	16	with	with	ADP
cjfa-8202	81	17	banks	bank	NOUN
cjfa-8202	81	18	and	and	CCONJ
cjfa-8202	81	19	non	non	NOUN
cjfa-8202	81	20	-	-	NOUN
cjfa-8202	81	21	banks	bank	NOUN
cjfa-8202	81	22	,	,	PUNCT
cjfa-8202	81	23	and	and	CCONJ
cjfa-8202	81	24	investments	investment	NOUN
cjfa-8202	81	25	.	.	PUNCT
cjfa-8202	82	1	the	the	DET
cjfa-8202	82	2	term	term	NOUN
cjfa-8202	82	3	‘	'	PUNCT
cjfa-8202	82	4	credit	credit	NOUN
cjfa-8202	82	5	’	'	PUNCT
cjfa-8202	82	6	can	can	AUX
cjfa-8202	82	7	be	be	AUX
cjfa-8202	82	8	defined	define	VERB
cjfa-8202	82	9	as	as	ADP
cjfa-8202	82	10	“	"	PUNCT
cjfa-8202	82	11	the	the	DET
cjfa-8202	82	12	provision	provision	NOUN
cjfa-8202	82	13	of	of	ADP
cjfa-8202	82	14	money	money	NOUN
cjfa-8202	82	15	or	or	CCONJ
cjfa-8202	82	16	bills	bill	NOUN
cjfa-8202	82	17	that	that	PRON
cjfa-8202	82	18	can	can	AUX
cjfa-8202	82	19	be	be	AUX
cjfa-8202	82	20	similar	similar	ADJ
cjfa-8202	82	21	with	with	ADP
cjfa-8202	82	22	that	that	PRON
cjfa-8202	82	23	,	,	PUNCT
cjfa-8202	82	24	based	base	VERB
cjfa-8202	82	25	on	on	ADP
cjfa-8202	82	26	an	an	DET
cjfa-8202	82	27	agreement	agreement	NOUN
cjfa-8202	82	28	between	between	ADP
cjfa-8202	82	29	banks	bank	NOUN
cjfa-8202	82	30	with	with	ADP
cjfa-8202	82	31	other	other	ADJ
cjfa-8202	82	32	parties	party	NOUN
cjfa-8202	82	33	that	that	PRON
cjfa-8202	82	34	requires	require	VERB
cjfa-8202	82	35	the	the	DET
cjfa-8202	82	36	borrower	borrower	NOUN
cjfa-8202	82	37	to	to	PART
cjfa-8202	82	38	repay	repay	VERB
cjfa-8202	82	39	the	the	DET
cjfa-8202	82	40	debt	debt	NOUN
cjfa-8202	82	41	after	after	ADP
cjfa-8202	82	42	a	a	DET
cjfa-8202	82	43	certain	certain	ADJ
cjfa-8202	82	44	period	period	NOUN
cjfa-8202	82	45	of	of	ADP
cjfa-8202	82	46	time	time	NOUN
cjfa-8202	82	47	with	with	ADP
cjfa-8202	82	48	interest	interest	NOUN
cjfa-8202	82	49	”	"	PUNCT
cjfa-8202	82	50	based	base	VERB
cjfa-8202	82	51	on	on	ADP
cjfa-8202	82	52	the	the	DET
cjfa-8202	82	53	basic	basic	ADJ
cjfa-8202	82	54	banking	banking	NOUN
cjfa-8202	82	55	act	act	NOUN
cjfa-8202	82	56	10	10	NUM
cjfa-8202	82	57	of	of	ADP
cjfa-8202	82	58	1998	1998	NUM
cjfa-8202	82	59	.	.	PUNCT
cjfa-8202	83	1	in	in	ADP
cjfa-8202	83	2	other	other	ADJ
cjfa-8202	83	3	words	word	NOUN
cjfa-8202	83	4	,	,	PUNCT
cjfa-8202	83	5	credit	credit	NOUN
cjfa-8202	83	6	is	be	AUX
cjfa-8202	83	7	the	the	DET
cjfa-8202	83	8	transfer	transfer	NOUN
cjfa-8202	83	9	of	of	ADP
cjfa-8202	83	10	funds	fund	NOUN
cjfa-8202	83	11	from	from	ADP
cjfa-8202	83	12	the	the	DET
cjfa-8202	83	13	lender	lender	NOUN
cjfa-8202	83	14	to	to	ADP
cjfa-8202	83	15	the	the	DET
cjfa-8202	83	16	borrower	borrower	NOUN
cjfa-8202	83	17	.	.	PUNCT
cjfa-8202	84	1	assessment	assessment	NOUN
cjfa-8202	84	2	on	on	ADP
cjfa-8202	84	3	the	the	DET
cjfa-8202	84	4	principles	principle	NOUN
cjfa-8202	84	5	in	in	ADP
cjfa-8202	84	6	the	the	DET
cjfa-8202	84	7	provision	provision	NOUN
cjfa-8202	84	8	of	of	ADP
cjfa-8202	84	9	credit	credit	NOUN
cjfa-8202	84	10	or	or	CCONJ
cjfa-8202	84	11	in	in	ADP
cjfa-8202	84	12	determining	determine	VERB
cjfa-8202	84	13	the	the	DET
cjfa-8202	84	14	collectability	collectability	NOUN
cjfa-8202	84	15	of	of	ADP
cjfa-8202	84	16	loans	loan	NOUN
cjfa-8202	84	17	-	-	PUNCT
cjfa-8202	84	18	earning	earn	VERB
cjfa-8202	84	19	assets	asset	NOUN
cjfa-8202	84	20	in	in	ADP
cjfa-8202	84	21	the	the	DET
cjfa-8202	84	22	form	form	NOUN
cjfa-8202	84	23	of	of	ADP
cjfa-8202	84	24	credits	credit	NOUN
cjfa-8202	84	25	is	be	AUX
cjfa-8202	84	26	specified	specify	VERB
cjfa-8202	84	27	in	in	ADP
cjfa-8202	84	28	5	5	NUM
cjfa-8202	84	29	(	(	PUNCT
cjfa-8202	84	30	five	five	NUM
cjfa-8202	84	31	)	)	PUNCT
cjfa-8202	84	32	categories	category	NOUN
cjfa-8202	84	33	in	in	ADP
cjfa-8202	84	34	the	the	DET
cjfa-8202	84	35	regulation	regulation	NOUN
cjfa-8202	84	36	of	of	ADP
cjfa-8202	84	37	bank	bank	PROPN
cjfa-8202	84	38	of	of	ADP
cjfa-8202	84	39	indonesia	indonesia	PROPN
cjfa-8202	84	40	no.8/19	no.8/19	PROPN
cjfa-8202	84	41	/	/	SYM
cjfa-8202	84	42	pbi/2006	pbi/2006	NOUN
cjfa-8202	84	43	(	(	PUNCT
cjfa-8202	84	44	dated	date	VERB
cjfa-8202	84	45	october	october	PROPN
cjfa-8202	84	46	5	5	NUM
cjfa-8202	84	47	,	,	PUNCT
cjfa-8202	84	48	2006	2006	NUM
cjfa-8202	84	49	)	)	PUNCT
cjfa-8202	84	50	,	,	PUNCT
cjfa-8202	84	51	which	which	PRON
cjfa-8202	84	52	include	include	VERB
cjfa-8202	84	53	;	;	PUNCT
cjfa-8202	84	54	fluent	fluent	ADJ
cjfa-8202	84	55	,	,	PUNCT
cjfa-8202	84	56	special	special	ADJ
cjfa-8202	84	57	mention	mention	NOUN
cjfa-8202	84	58	,	,	PUNCT
cjfa-8202	84	59	doubtful	doubtful	ADJ
cjfa-8202	84	60	and	and	CCONJ
cjfa-8202	84	61	loss	loss	NOUN
cjfa-8202	84	62	.	.	PUNCT
cjfa-8202	85	1	2.4	2.4	NUM
cjfa-8202	85	2	.	.	PUNCT
cjfa-8202	85	3	concept	concept	NOUN
cjfa-8202	85	4	of	of	ADP
cjfa-8202	85	5	management	management	NOUN
cjfa-8202	85	6	risk	risk	NOUN
cjfa-8202	85	7	smith	smith	PROPN
cjfa-8202	85	8	(	(	PUNCT
cjfa-8202	85	9	1990	1990	NUM
cjfa-8202	85	10	)	)	PUNCT
cjfa-8202	85	11	stated	state	VERB
cjfa-8202	85	12	that	that	SCONJ
cjfa-8202	85	13	management	management	NOUN
cjfa-8202	85	14	of	of	ADP
cjfa-8202	85	15	risk	risk	NOUN
cjfa-8202	85	16	is	be	AUX
cjfa-8202	85	17	a	a	DET
cjfa-8202	85	18	process	process	NOUN
cjfa-8202	85	19	of	of	ADP
cjfa-8202	85	20	identification	identification	NOUN
cjfa-8202	85	21	,	,	PUNCT
cjfa-8202	85	22	measurement	measurement	NOUN
cjfa-8202	85	23	and	and	CCONJ
cjfa-8202	85	24	control	control	NOUN
cjfa-8202	85	25	of	of	ADP
cjfa-8202	85	26	a	a	DET
cjfa-8202	85	27	risk	risk	NOUN
cjfa-8202	85	28	that	that	PRON
cjfa-8202	85	29	may	may	AUX
cjfa-8202	85	30	threat	threat	VERB
cjfa-8202	85	31	the	the	DET
cjfa-8202	85	32	asset	asset	NOUN
cjfa-8202	85	33	and	and	CCONJ
cjfa-8202	85	34	revenue	revenue	NOUN
cjfa-8202	85	35	of	of	ADP
cjfa-8202	85	36	a	a	DET
cjfa-8202	85	37	company	company	NOUN
cjfa-8202	85	38	or	or	CCONJ
cjfa-8202	85	39	a	a	DET
cjfa-8202	85	40	project	project	NOUN
cjfa-8202	85	41	,	,	PUNCT
cjfa-8202	85	42	which	which	PRON
cjfa-8202	85	43	may	may	AUX
cjfa-8202	85	44	result	result	VERB
cjfa-8202	85	45	in	in	ADP
cjfa-8202	85	46	damaged	damage	VERB
cjfa-8202	85	47	assets	asset	NOUN
cjfa-8202	85	48	or	or	CCONJ
cjfa-8202	85	49	company	company	NOUN
cjfa-8202	85	50	loss	loss	NOUN
cjfa-8202	85	51	.	.	PUNCT
cjfa-8202	86	1	noshworthy	noshworthy	ADJ
cjfa-8202	86	2	(	(	PUNCT
cjfa-8202	86	3	2000	2000	NUM
cjfa-8202	86	4	,	,	PUNCT
cjfa-8202	86	5	600	600	NUM
cjfa-8202	86	6	)	)	PUNCT
cjfa-8202	86	7	stated	state	VERB
cjfa-8202	86	8	that	that	SCONJ
cjfa-8202	86	9	management	management	NOUN
cjfa-8202	86	10	of	of	ADP
cjfa-8202	86	11	risk	risk	NOUN
cjfa-8202	86	12	is	be	AUX
cjfa-8202	86	13	an	an	DET
cjfa-8202	86	14	implementation	implementation	NOUN
cjfa-8202	86	15	of	of	ADP
cjfa-8202	86	16	measures	measure	NOUN
cjfa-8202	86	17	aimed	aim	VERB
cjfa-8202	86	18	at	at	ADP
cjfa-8202	86	19	reducing	reduce	VERB
cjfa-8202	86	20	the	the	DET
cjfa-8202	86	21	likelihood	likelihood	NOUN
cjfa-8202	86	22	of	of	ADP
cjfa-8202	86	23	those	those	DET
cjfa-8202	86	24	threats	threat	NOUN
cjfa-8202	86	25	occurring	occur	VERB
cjfa-8202	86	26	and	and	CCONJ
cjfa-8202	86	27	minimizing	minimize	VERB
cjfa-8202	86	28	any	any	DET
cjfa-8202	86	29	damage	damage	NOUN
cjfa-8202	86	30	if	if	SCONJ
cjfa-8202	86	31	they	they	PRON
cjfa-8202	86	32	do	do	VERB
cjfa-8202	86	33	.	.	PUNCT
cjfa-8202	87	1	risk	risk	VERB
cjfa-8202	87	2	analysis	analysis	NOUN
cjfa-8202	87	3	and	and	CCONJ
cjfa-8202	87	4	risk	risk	NOUN
cjfa-8202	87	5	control	control	NOUN
cjfa-8202	87	6	form	form	VERB
cjfa-8202	87	7	the	the	DET
cjfa-8202	87	8	the	the	DET
cjfa-8202	87	9	study	study	NOUN
cjfa-8202	87	10	of	of	ADP
cjfa-8202	87	11	risk	risk	NOUN
cjfa-8202	87	12	-	-	PUNCT
cjfa-8202	87	13	weighted	weight	VERB
cjfa-8202	87	14	assets	asset	NOUN
cjfa-8202	87	15	on	on	ADP
cjfa-8202	87	16	the	the	DET
cjfa-8202	87	17	effects	effect	NOUN
cjfa-8202	87	18	of	of	ADP
cjfa-8202	87	19	loan	loan	NOUN
cjfa-8202	87	20	…	…	SYM
cjfa-8202	87	21	165	165	NUM
cjfa-8202	87	22	foundation	foundation	NOUN
cjfa-8202	87	23	of	of	ADP
cjfa-8202	87	24	risk	risk	NOUN
cjfa-8202	87	25	management	management	NOUN
cjfa-8202	87	26	where	where	SCONJ
cjfa-8202	87	27	risk	risk	NOUN
cjfa-8202	87	28	control	control	NOUN
cjfa-8202	87	29	is	be	AUX
cjfa-8202	87	30	the	the	DET
cjfa-8202	87	31	application	application	NOUN
cjfa-8202	87	32	of	of	ADP
cjfa-8202	87	33	suitable	suitable	ADJ
cjfa-8202	87	34	controls	control	NOUN
cjfa-8202	87	35	to	to	PART
cjfa-8202	87	36	gain	gain	VERB
cjfa-8202	87	37	a	a	DET
cjfa-8202	87	38	balance	balance	NOUN
cjfa-8202	87	39	among	among	ADP
cjfa-8202	87	40	security	security	NOUN
cjfa-8202	87	41	,	,	PUNCT
cjfa-8202	87	42	usability	usability	NOUN
cjfa-8202	87	43	and	and	CCONJ
cjfa-8202	87	44	cost	cost	NOUN
cjfa-8202	87	45	.	.	PUNCT
cjfa-8202	88	1	stoneburner	stoneburner	PROPN
cjfa-8202	88	2	et	et	PROPN
cjfa-8202	88	3	al	al	PROPN
cjfa-8202	88	4	.	.	PROPN
cjfa-8202	88	5	(	(	PUNCT
cjfa-8202	88	6	2002	2002	NUM
cjfa-8202	88	7	)	)	PUNCT
cjfa-8202	88	8	explained	explain	VERB
cjfa-8202	88	9	that	that	SCONJ
cjfa-8202	88	10	management	management	NOUN
cjfa-8202	88	11	of	of	ADP
cjfa-8202	88	12	risk	risk	NOUN
cjfa-8202	88	13	controls	control	NOUN
cjfa-8202	88	14	and	and	CCONJ
cjfa-8202	88	15	mitigates	mitigate	VERB
cjfa-8202	88	16	risks	risk	NOUN
cjfa-8202	88	17	,	,	PUNCT
cjfa-8202	88	18	which	which	PRON
cjfa-8202	88	19	are	be	AUX
cjfa-8202	88	20	related	relate	VERB
cjfa-8202	88	21	to	to	ADP
cjfa-8202	88	22	information	information	NOUN
cjfa-8202	88	23	system	system	NOUN
cjfa-8202	88	24	,	,	PUNCT
cjfa-8202	88	25	and	and	CCONJ
cjfa-8202	88	26	encompasses	encompass	VERB
cjfa-8202	88	27	risk	risk	NOUN
cjfa-8202	88	28	assessment	assessment	NOUN
cjfa-8202	88	29	through	through	ADP
cjfa-8202	88	30	cost	cost	NOUN
cjfa-8202	88	31	-	-	PUNCT
cjfa-8202	88	32	benefit	benefit	NOUN
cjfa-8202	88	33	analysis	analysis	NOUN
cjfa-8202	88	34	and	and	CCONJ
cjfa-8202	88	35	the	the	DET
cjfa-8202	88	36	implementation	implementation	NOUN
cjfa-8202	88	37	,	,	PUNCT
cjfa-8202	88	38	test	test	NOUN
cjfa-8202	88	39	and	and	CCONJ
cjfa-8202	88	40	security	security	NOUN
cjfa-8202	88	41	evaluation	evaluation	NOUN
cjfa-8202	88	42	of	of	ADP
cjfa-8202	88	43	safeguards	safeguard	NOUN
cjfa-8202	88	44	.	.	PUNCT
cjfa-8202	89	1	2.5	2.5	NUM
cjfa-8202	89	2	.	.	PUNCT
cjfa-8202	90	1	credit	credit	NOUN
cjfa-8202	90	2	risk	risk	NOUN
cjfa-8202	90	3	,	,	PUNCT
cjfa-8202	90	4	weighted	weight	VERB
cjfa-8202	90	5	risk	risk	NOUN
cjfa-8202	90	6	and	and	CCONJ
cjfa-8202	90	7	loan	loan	NOUN
cjfa-8202	90	8	exposure	exposure	NOUN
cjfa-8202	90	9	according	accord	VERB
cjfa-8202	90	10	to	to	ADP
cjfa-8202	90	11	the	the	DET
cjfa-8202	90	12	regulation	regulation	NOUN
cjfa-8202	90	13	of	of	ADP
cjfa-8202	90	14	bank	bank	NOUN
cjfa-8202	90	15	of	of	ADP
cjfa-8202	90	16	indonesia	indonesia	PROPN
cjfa-8202	90	17	no	no	INTJ
cjfa-8202	90	18	.	.	PUNCT
cjfa-8202	91	1	14/18	14/18	NUM
cjfa-8202	91	2	/	/	SYM
cjfa-8202	91	3	pbi/2012	pbi/2012	NOUN
cjfa-8202	91	4	,	,	PUNCT
cjfa-8202	91	5	credit	credit	NOUN
cjfa-8202	91	6	risk	risk	NOUN
cjfa-8202	91	7	is	be	AUX
cjfa-8202	91	8	a	a	DET
cjfa-8202	91	9	risk	risk	NOUN
cjfa-8202	91	10	due	due	ADP
cjfa-8202	91	11	to	to	ADP
cjfa-8202	91	12	the	the	DET
cjfa-8202	91	13	failure	failure	NOUN
cjfa-8202	91	14	of	of	ADP
cjfa-8202	91	15	the	the	DET
cjfa-8202	91	16	debtor	debtor	NOUN
cjfa-8202	91	17	and/or	and/or	CCONJ
cjfa-8202	91	18	other	other	ADJ
cjfa-8202	91	19	party	party	NOUN
cjfa-8202	91	20	in	in	ADP
cjfa-8202	91	21	fulfilling	fulfil	VERB
cjfa-8202	91	22	obligation	obligation	NOUN
cjfa-8202	91	23	to	to	ADP
cjfa-8202	91	24	the	the	DET
cjfa-8202	91	25	bank	bank	NOUN
cjfa-8202	91	26	.	.	PUNCT
cjfa-8202	92	1	banks	bank	NOUN
cjfa-8202	92	2	are	be	AUX
cjfa-8202	92	3	exposed	expose	VERB
cjfa-8202	92	4	to	to	ADP
cjfa-8202	92	5	credit	credit	NOUN
cjfa-8202	92	6	risk	risk	NOUN
cjfa-8202	92	7	due	due	ADP
cjfa-8202	92	8	to	to	ADP
cjfa-8202	92	9	the	the	DET
cjfa-8202	92	10	nature	nature	NOUN
cjfa-8202	92	11	of	of	ADP
cjfa-8202	92	12	their	their	PRON
cjfa-8202	92	13	lending	lending	NOUN
cjfa-8202	92	14	-	-	PUNCT
cjfa-8202	92	15	based	base	VERB
cjfa-8202	92	16	business	business	NOUN
cjfa-8202	92	17	while	while	SCONJ
cjfa-8202	92	18	the	the	DET
cjfa-8202	92	19	bank	bank	NOUN
cjfa-8202	92	20	’s	’s	PART
cjfa-8202	92	21	debt	debt	NOUN
cjfa-8202	92	22	and	and	CCONJ
cjfa-8202	92	23	capital	capital	NOUN
cjfa-8202	92	24	ratio	ratio	NOUN
cjfa-8202	92	25	is	be	AUX
cjfa-8202	92	26	highly	highly	ADV
cjfa-8202	92	27	leveraged	leveraged	ADJ
cjfa-8202	92	28	.	.	PUNCT
cjfa-8202	93	1	the	the	DET
cjfa-8202	93	2	source	source	NOUN
cjfa-8202	93	3	of	of	ADP
cjfa-8202	93	4	credit	credit	NOUN
cjfa-8202	93	5	risk	risk	NOUN
cjfa-8202	93	6	can	can	AUX
cjfa-8202	93	7	come	come	VERB
cjfa-8202	93	8	from	from	ADP
cjfa-8202	93	9	any	any	DET
cjfa-8202	93	10	functional	functional	ADJ
cjfa-8202	93	11	activities	activity	NOUN
cjfa-8202	93	12	of	of	ADP
cjfa-8202	93	13	the	the	DET
cjfa-8202	93	14	bank	bank	NOUN
cjfa-8202	93	15	,	,	PUNCT
cjfa-8202	93	16	such	such	ADJ
cjfa-8202	93	17	as	as	ADP
cjfa-8202	93	18	lending	lending	NOUN
cjfa-8202	93	19	of	of	ADP
cjfa-8202	93	20	the	the	DET
cjfa-8202	93	21	loan	loan	NOUN
cjfa-8202	93	22	,	,	PUNCT
cjfa-8202	93	23	placement	placement	NOUN
cjfa-8202	93	24	and	and	CCONJ
cjfa-8202	93	25	investment	investment	NOUN
cjfa-8202	93	26	.	.	PUNCT
cjfa-8202	94	1	credit	credit	NOUN
cjfa-8202	94	2	risk	risk	NOUN
cjfa-8202	94	3	still	still	ADV
cjfa-8202	94	4	dominates	dominate	VERB
cjfa-8202	94	5	the	the	DET
cjfa-8202	94	6	bank	bank	NOUN
cjfa-8202	94	7	activities	activity	NOUN
cjfa-8202	94	8	in	in	ADP
cjfa-8202	94	9	indonesia	indonesia	PROPN
cjfa-8202	94	10	.	.	PUNCT
cjfa-8202	95	1	this	this	PRON
cjfa-8202	95	2	happens	happen	VERB
cjfa-8202	95	3	because	because	SCONJ
cjfa-8202	95	4	besides	besides	SCONJ
cjfa-8202	95	5	the	the	DET
cjfa-8202	95	6	potential	potential	ADJ
cjfa-8202	95	7	loss	loss	NOUN
cjfa-8202	95	8	occurred	occur	VERB
cjfa-8202	95	9	from	from	ADP
cjfa-8202	95	10	large	large	ADJ
cjfa-8202	95	11	credit	credit	NOUN
cjfa-8202	95	12	exposure	exposure	NOUN
cjfa-8202	95	13	;	;	PUNCT
cjfa-8202	95	14	the	the	DET
cjfa-8202	95	15	margin	margin	NOUN
cjfa-8202	95	16	received	receive	VERB
cjfa-8202	95	17	by	by	ADP
cjfa-8202	95	18	banks	bank	NOUN
cjfa-8202	95	19	is	be	AUX
cjfa-8202	95	20	relatively	relatively	ADV
cjfa-8202	95	21	small	small	ADJ
cjfa-8202	95	22	.	.	PUNCT
cjfa-8202	96	1	joel	joel	PROPN
cjfa-8202	96	2	bessis	bessis	PROPN
cjfa-8202	96	3	(	(	PUNCT
cjfa-8202	96	4	1998	1998	NUM
cjfa-8202	96	5	)	)	PUNCT
cjfa-8202	96	6	defined	define	VERB
cjfa-8202	96	7	credit	credit	NOUN
cjfa-8202	96	8	risk	risk	NOUN
cjfa-8202	96	9	as	as	ADP
cjfa-8202	96	10	the	the	DET
cjfa-8202	96	11	loss	loss	NOUN
cjfa-8202	96	12	that	that	PRON
cjfa-8202	96	13	is	be	AUX
cjfa-8202	96	14	caused	cause	VERB
cjfa-8202	96	15	by	by	ADP
cjfa-8202	96	16	the	the	DET
cjfa-8202	96	17	default	default	NOUN
cjfa-8202	96	18	of	of	ADP
cjfa-8202	96	19	the	the	DET
cjfa-8202	96	20	debtor	debtor	NOUN
cjfa-8202	96	21	or	or	CCONJ
cjfa-8202	96	22	due	due	ADP
cjfa-8202	96	23	to	to	ADP
cjfa-8202	96	24	a	a	DET
cjfa-8202	96	25	decline	decline	NOUN
cjfa-8202	96	26	in	in	ADP
cjfa-8202	96	27	the	the	DET
cjfa-8202	96	28	credit	credit	NOUN
cjfa-8202	96	29	quality	quality	NOUN
cjfa-8202	96	30	of	of	ADP
cjfa-8202	96	31	borrowers	borrower	NOUN
cjfa-8202	96	32	.	.	PUNCT
cjfa-8202	97	1	the	the	DET
cjfa-8202	97	2	decline	decline	NOUN
cjfa-8202	97	3	in	in	ADP
cjfa-8202	97	4	credit	credit	NOUN
cjfa-8202	97	5	quality	quality	NOUN
cjfa-8202	97	6	reflects	reflect	VERB
cjfa-8202	97	7	the	the	DET
cjfa-8202	97	8	increase	increase	NOUN
cjfa-8202	97	9	in	in	ADP
cjfa-8202	97	10	credit	credit	NOUN
cjfa-8202	97	11	risk	risk	NOUN
cjfa-8202	97	12	.	.	PUNCT
cjfa-8202	98	1	on	on	ADP
cjfa-8202	98	2	the	the	DET
cjfa-8202	98	3	other	other	ADJ
cjfa-8202	98	4	hand	hand	NOUN
cjfa-8202	98	5	,	,	PUNCT
cjfa-8202	98	6	kountur	kountur	X
cjfa-8202	98	7	(	(	PUNCT
cjfa-8202	98	8	2006	2006	NUM
cjfa-8202	98	9	,	,	PUNCT
cjfa-8202	98	10	p.	p.	NOUN
cjfa-8202	98	11	3	3	NUM
cjfa-8202	98	12	)	)	PUNCT
cjfa-8202	98	13	defines	define	NOUN
cjfa-8202	98	14	“	"	PUNCT
cjfa-8202	98	15	risk	risk	NOUN
cjfa-8202	98	16	”	"	PUNCT
cjfa-8202	98	17	as	as	ADP
cjfa-8202	98	18	the	the	DET
cjfa-8202	98	19	possibility	possibility	NOUN
cjfa-8202	98	20	of	of	ADP
cjfa-8202	98	21	adverse	adverse	ADJ
cjfa-8202	98	22	events	event	NOUN
cjfa-8202	98	23	.	.	PUNCT
cjfa-8202	99	1	the	the	DET
cjfa-8202	99	2	more	more	ADV
cjfa-8202	99	3	complex	complex	ADJ
cjfa-8202	99	4	the	the	DET
cjfa-8202	99	5	activity	activity	NOUN
cjfa-8202	99	6	is	be	AUX
cjfa-8202	99	7	,	,	PUNCT
cjfa-8202	99	8	the	the	PRON
cjfa-8202	99	9	greater	great	ADJ
cjfa-8202	99	10	the	the	DET
cjfa-8202	99	11	risks	risk	NOUN
cjfa-8202	99	12	are	be	AUX
cjfa-8202	99	13	.	.	PUNCT
cjfa-8202	100	1	risk	risk	NOUN
cjfa-8202	100	2	weighted	weight	VERB
cjfa-8202	100	3	assets	asset	NOUN
cjfa-8202	100	4	(	(	PUNCT
cjfa-8202	100	5	rwa	rwa	PROPN
cjfa-8202	100	6	)	)	PUNCT
cjfa-8202	100	7	is	be	AUX
cjfa-8202	100	8	the	the	DET
cjfa-8202	100	9	banking	banking	NOUN
cjfa-8202	100	10	assets	asset	NOUN
cjfa-8202	100	11	in	in	ADP
cjfa-8202	100	12	the	the	DET
cjfa-8202	100	13	balance	balance	NOUN
cjfa-8202	100	14	sheet	sheet	NOUN
cjfa-8202	100	15	which	which	PRON
cjfa-8202	100	16	are	be	AUX
cjfa-8202	100	17	taken	take	VERB
cjfa-8202	100	18	into	into	ADP
cjfa-8202	100	19	account	account	NOUN
cjfa-8202	100	20	by	by	ADP
cjfa-8202	100	21	a	a	DET
cjfa-8202	100	22	certain	certain	ADJ
cjfa-8202	100	23	percentage	percentage	NOUN
cjfa-8202	100	24	weight	weight	NOUN
cjfa-8202	100	25	as	as	ADP
cjfa-8202	100	26	a	a	DET
cjfa-8202	100	27	risk	risk	NOUN
cjfa-8202	100	28	factor	factor	NOUN
cjfa-8202	100	29	.	.	PUNCT
cjfa-8202	101	1	the	the	DET
cjfa-8202	101	2	provisions	provision	NOUN
cjfa-8202	101	3	about	about	ADP
cjfa-8202	101	4	percentage	percentage	NOUN
cjfa-8202	101	5	of	of	ADP
cjfa-8202	101	6	risk	risk	NOUN
cjfa-8202	101	7	factors	factor	NOUN
cjfa-8202	101	8	in	in	ADP
cjfa-8202	101	9	each	each	DET
cjfa-8202	101	10	asset	asset	NOUN
cjfa-8202	101	11	as	as	ADP
cjfa-8202	101	12	the	the	DET
cjfa-8202	101	13	basis	basis	NOUN
cjfa-8202	101	14	for	for	ADP
cjfa-8202	101	15	the	the	DET
cjfa-8202	101	16	calculation	calculation	NOUN
cjfa-8202	101	17	of	of	ADP
cjfa-8202	101	18	risk	risk	NOUN
cjfa-8202	101	19	-	-	PUNCT
cjfa-8202	101	20	weighted	weight	VERB
cjfa-8202	101	21	assets	asset	NOUN
cjfa-8202	101	22	have	have	AUX
cjfa-8202	101	23	been	be	AUX
cjfa-8202	101	24	determined	determine	VERB
cjfa-8202	101	25	by	by	ADP
cjfa-8202	101	26	the	the	DET
cjfa-8202	101	27	bank	bank	PROPN
cjfa-8202	101	28	of	of	ADP
cjfa-8202	101	29	indonesia	indonesia	PROPN
cjfa-8202	101	30	in	in	ADP
cjfa-8202	101	31	accordance	accordance	NOUN
cjfa-8202	101	32	to	to	ADP
cjfa-8202	101	33	the	the	DET
cjfa-8202	101	34	circular	circular	ADJ
cjfa-8202	101	35	letter	letter	NOUN
cjfa-8202	101	36	no	no	INTJ
cjfa-8202	101	37	.	.	PUNCT
cjfa-8202	102	1	5/23	5/23	NUM
cjfa-8202	102	2	/	/	SYM
cjfa-8202	102	3	dpnp	dpnp	NOUN
cjfa-8202	102	4	(	(	PUNCT
cjfa-8202	102	5	dated	date	VERB
cjfa-8202	102	6	september	september	PROPN
cjfa-8202	102	7	29	29	NUM
cjfa-8202	102	8	,	,	PUNCT
cjfa-8202	102	9	2003	2003	NUM
cjfa-8202	102	10	)	)	PUNCT
cjfa-8202	102	11	.	.	PUNCT
cjfa-8202	103	1	in	in	ADP
cjfa-8202	103	2	calculating	calculate	VERB
cjfa-8202	103	3	risk	risk	NOUN
cjfa-8202	103	4	-	-	PUNCT
cjfa-8202	103	5	weighted	weight	VERB
cjfa-8202	103	6	assets	asset	NOUN
cjfa-8202	103	7	for	for	ADP
cjfa-8202	103	8	credit	credit	NOUN
cjfa-8202	103	9	risk	risk	NOUN
cjfa-8202	103	10	,	,	PUNCT
cjfa-8202	103	11	the	the	DET
cjfa-8202	103	12	bank	bank	NOUN
cjfa-8202	103	13	can	can	AUX
cjfa-8202	103	14	use	use	VERB
cjfa-8202	103	15	2	2	NUM
cjfa-8202	103	16	(	(	PUNCT
cjfa-8202	103	17	two	two	NUM
cjfa-8202	103	18	)	)	PUNCT
cjfa-8202	103	19	types	type	NOUN
cjfa-8202	103	20	of	of	ADP
cjfa-8202	103	21	approaches	approach	NOUN
cjfa-8202	103	22	,	,	PUNCT
cjfa-8202	103	23	standardized	standardized	ADJ
cjfa-8202	103	24	approach	approach	NOUN
cjfa-8202	103	25	and	and	CCONJ
cjfa-8202	103	26	/	/	SYM
cjfa-8202	103	27	or	or	CCONJ
cjfa-8202	103	28	internal	internal	ADJ
cjfa-8202	103	29	rating	rating	NOUN
cjfa-8202	103	30	based	base	VERB
cjfa-8202	103	31	approach	approach	NOUN
cjfa-8202	103	32	.	.	PUNCT
cjfa-8202	104	1	loan	loan	NOUN
cjfa-8202	104	2	exposure	exposure	NOUN
cjfa-8202	104	3	is	be	AUX
cjfa-8202	104	4	the	the	DET
cjfa-8202	104	5	cost	cost	NOUN
cjfa-8202	104	6	of	of	ADP
cjfa-8202	104	7	replacing	replace	VERB
cjfa-8202	104	8	or	or	CCONJ
cjfa-8202	104	9	hedging	hedge	VERB
cjfa-8202	104	10	the	the	DET
cjfa-8202	104	11	contract	contract	NOUN
cjfa-8202	104	12	at	at	ADP
cjfa-8202	104	13	the	the	DET
cjfa-8202	104	14	time	time	NOUN
cjfa-8202	104	15	of	of	ADP
cjfa-8202	104	16	default	default	NOUN
cjfa-8202	104	17	.	.	PUNCT
cjfa-8202	105	1	the	the	DET
cjfa-8202	105	2	cost	cost	NOUN
cjfa-8202	105	3	is	be	AUX
cjfa-8202	105	4	the	the	DET
cjfa-8202	105	5	maximum	maximum	ADJ
cjfa-8202	105	6	value	value	NOUN
cjfa-8202	105	7	that	that	PRON
cjfa-8202	105	8	will	will	AUX
cjfa-8202	105	9	be	be	AUX
cjfa-8202	105	10	lost	lose	VERB
cjfa-8202	105	11	if	if	SCONJ
cjfa-8202	105	12	the	the	DET
cjfa-8202	105	13	counter	counter	PROPN
cjfa-8202	105	14	party	party	NOUN
cjfa-8202	105	15	to	to	ADP
cjfa-8202	105	16	that	that	DET
cjfa-8202	105	17	contract	contract	NOUN
cjfa-8202	105	18	default	default	NOUN
cjfa-8202	105	19	(	(	PUNCT
cjfa-8202	105	20	aziz	aziz	PROPN
cjfa-8202	105	21	,	,	PUNCT
cjfa-8202	105	22	charupat	charupat	NOUN
cjfa-8202	105	23	1998	1998	NUM
cjfa-8202	105	24	)	)	PUNCT
cjfa-8202	105	25	.	.	PUNCT
cjfa-8202	106	1	bielecki	bielecki	PROPN
cjfa-8202	106	2	and	and	CCONJ
cjfa-8202	106	3	rutkowski	rutkowski	PROPN
cjfa-8202	106	4	(	(	PUNCT
cjfa-8202	106	5	2002	2002	NUM
cjfa-8202	106	6	)	)	PUNCT
cjfa-8202	106	7	defined	define	VERB
cjfa-8202	106	8	default	default	NOUN
cjfa-8202	106	9	risk	risk	NOUN
cjfa-8202	106	10	as	as	ADP
cjfa-8202	106	11	a	a	DET
cjfa-8202	106	12	possibility	possibility	NOUN
cjfa-8202	106	13	that	that	SCONJ
cjfa-8202	106	14	a	a	DET
cjfa-8202	106	15	counter	counter	ADJ
cjfa-8202	106	16	party	party	NOUN
cjfa-8202	106	17	in	in	ADP
cjfa-8202	106	18	a	a	DET
cjfa-8202	106	19	financial	financial	ADJ
cjfa-8202	106	20	contract	contract	NOUN
cjfa-8202	106	21	can	can	AUX
cjfa-8202	106	22	not	not	PART
cjfa-8202	106	23	fulfil	fulfil	VERB
cjfa-8202	106	24	a	a	DET
cjfa-8202	106	25	contractual	contractual	ADJ
cjfa-8202	106	26	commitment	commitment	NOUN
cjfa-8202	106	27	or	or	CCONJ
cjfa-8202	106	28	meet	meet	VERB
cjfa-8202	106	29	his	his	PRON
cjfa-8202	106	30	/	/	SYM
cjfa-8202	106	31	her	her	PRON
cjfa-8202	106	32	obligations	obligation	NOUN
cjfa-8202	106	33	stated	state	VERB
cjfa-8202	106	34	in	in	ADP
cjfa-8202	106	35	contract	contract	NOUN
cjfa-8202	106	36	.	.	PUNCT
cjfa-8202	107	1	tigor	tigor	PROPN
cjfa-8202	107	2	sitorus166	sitorus166	PROPN
cjfa-8202	107	3	from	from	ADP
cjfa-8202	107	4	the	the	DET
cjfa-8202	107	5	various	various	ADJ
cjfa-8202	107	6	explanations	explanation	NOUN
cjfa-8202	107	7	and	and	CCONJ
cjfa-8202	107	8	theoretical	theoretical	ADJ
cjfa-8202	107	9	framework	framework	NOUN
cjfa-8202	107	10	about	about	ADP
cjfa-8202	107	11	decreasing	decrease	VERB
cjfa-8202	107	12	credit	credit	NOUN
cjfa-8202	107	13	default	default	NOUN
cjfa-8202	107	14	described	describe	VERB
cjfa-8202	107	15	above	above	ADV
cjfa-8202	107	16	,	,	PUNCT
cjfa-8202	107	17	in	in	ADP
cjfa-8202	107	18	this	this	DET
cjfa-8202	107	19	paper	paper	NOUN
cjfa-8202	107	20	,	,	PUNCT
cjfa-8202	107	21	the	the	DET
cjfa-8202	107	22	author	author	NOUN
cjfa-8202	107	23	proposed	propose	VERB
cjfa-8202	107	24	the	the	DET
cjfa-8202	107	25	proposition	proposition	NOUN
cjfa-8202	107	26	as	as	SCONJ
cjfa-8202	107	27	follows	follow	VERB
cjfa-8202	107	28	:	:	PUNCT
cjfa-8202	107	29	proposition	proposition	NOUN
cjfa-8202	107	30	:	:	PUNCT
cjfa-8202	107	31	risk	risk	NOUN
cjfa-8202	107	32	-	-	PUNCT
cjfa-8202	107	33	weighted	weight	VERB
cjfa-8202	107	34	assets	asset	NOUN
cjfa-8202	107	35	are	be	AUX
cjfa-8202	107	36	the	the	DET
cjfa-8202	107	37	risk	risk	NOUN
cjfa-8202	107	38	of	of	ADP
cjfa-8202	107	39	all	all	DET
cjfa-8202	107	40	bank	bank	NOUN
cjfa-8202	107	41	assets	asset	NOUN
cjfa-8202	107	42	placed	place	VERB
cjfa-8202	107	43	on	on	ADP
cjfa-8202	107	44	the	the	DET
cjfa-8202	107	45	third	third	ADJ
cjfa-8202	107	46	parties	party	NOUN
cjfa-8202	107	47	in	in	ADP
cjfa-8202	107	48	the	the	DET
cjfa-8202	107	49	form	form	NOUN
cjfa-8202	107	50	of	of	ADP
cjfa-8202	107	51	loans	loan	NOUN
cjfa-8202	107	52	,	,	PUNCT
cjfa-8202	107	53	investment	investment	NOUN
cjfa-8202	107	54	,	,	PUNCT
cjfa-8202	107	55	placement	placement	NOUN
cjfa-8202	107	56	and	and	CCONJ
cjfa-8202	107	57	other	other	ADJ
cjfa-8202	107	58	forms	form	NOUN
cjfa-8202	107	59	of	of	ADP
cjfa-8202	107	60	credit	credit	NOUN
cjfa-8202	107	61	.	.	PUNCT
cjfa-8202	108	1	if	if	SCONJ
cjfa-8202	108	2	the	the	DET
cjfa-8202	108	3	risk	risk	NOUN
cjfa-8202	108	4	is	be	AUX
cjfa-8202	108	5	calculated	calculate	VERB
cjfa-8202	108	6	properly	properly	ADV
cjfa-8202	108	7	,	,	PUNCT
cjfa-8202	108	8	it	it	PRON
cjfa-8202	108	9	can	can	AUX
cjfa-8202	108	10	potentially	potentially	ADV
cjfa-8202	108	11	decrease	decrease	VERB
cjfa-8202	108	12	the	the	DET
cjfa-8202	108	13	credit	credit	NOUN
cjfa-8202	108	14	default	default	NOUN
cjfa-8202	108	15	.	.	PUNCT
cjfa-8202	109	1	3	3	X
cjfa-8202	109	2	.	.	X
cjfa-8202	109	3	research	research	NOUN
cjfa-8202	109	4	methodology	methodology	NOUN
cjfa-8202	109	5	and	and	CCONJ
cjfa-8202	109	6	research	research	NOUN
cjfa-8202	109	7	process	process	NOUN
cjfa-8202	109	8	3.1	3.1	NUM
cjfa-8202	109	9	.	.	PUNCT
cjfa-8202	110	1	population	population	NOUN
cjfa-8202	110	2	and	and	CCONJ
cjfa-8202	110	3	research	research	NOUN
cjfa-8202	110	4	sample	sample	NOUN
cjfa-8202	110	5	the	the	DET
cjfa-8202	110	6	sampling	sampling	NOUN
cjfa-8202	110	7	method	method	NOUN
cjfa-8202	110	8	used	use	VERB
cjfa-8202	110	9	in	in	ADP
cjfa-8202	110	10	this	this	DET
cjfa-8202	110	11	research	research	NOUN
cjfa-8202	110	12	is	be	AUX
cjfa-8202	110	13	purposive	purposive	ADJ
cjfa-8202	110	14	sampling	sampling	NOUN
cjfa-8202	110	15	(	(	PUNCT
cjfa-8202	110	16	ferdinand	ferdinand	PROPN
cjfa-8202	110	17	augusty	augusty	PROPN
cjfa-8202	110	18	,	,	PUNCT
cjfa-8202	110	19	2006	2006	NUM
cjfa-8202	110	20	)	)	PUNCT
cjfa-8202	110	21	.	.	PUNCT
cjfa-8202	111	1	this	this	DET
cjfa-8202	111	2	sampling	sampling	NOUN
cjfa-8202	111	3	method	method	NOUN
cjfa-8202	111	4	was	be	AUX
cjfa-8202	111	5	chosen	choose	VERB
cjfa-8202	111	6	after	after	ADP
cjfa-8202	111	7	considering	consider	VERB
cjfa-8202	111	8	all	all	DET
cjfa-8202	111	9	information	information	NOUN
cjfa-8202	111	10	related	relate	VERB
cjfa-8202	111	11	to	to	ADP
cjfa-8202	111	12	the	the	DET
cjfa-8202	111	13	research	research	NOUN
cjfa-8202	111	14	problem	problem	NOUN
cjfa-8202	111	15	.	.	PUNCT
cjfa-8202	112	1	the	the	DET
cjfa-8202	112	2	population	population	NOUN
cjfa-8202	112	3	in	in	ADP
cjfa-8202	112	4	this	this	DET
cjfa-8202	112	5	study	study	NOUN
cjfa-8202	112	6	is	be	AUX
cjfa-8202	112	7	the	the	DET
cjfa-8202	112	8	banks	bank	NOUN
cjfa-8202	112	9	that	that	PRON
cjfa-8202	112	10	are	be	AUX
cjfa-8202	112	11	listed	list	VERB
cjfa-8202	112	12	in	in	ADP
cjfa-8202	112	13	indonesian	indonesian	ADJ
cjfa-8202	112	14	stock	stock	PROPN
cjfa-8202	112	15	exchange	exchange	NOUN
cjfa-8202	112	16	from	from	ADP
cjfa-8202	112	17	2008	2008	NUM
cjfa-8202	112	18	to	to	ADP
cjfa-8202	112	19	2012	2012	NUM
cjfa-8202	112	20	while	while	SCONJ
cjfa-8202	112	21	the	the	DET
cjfa-8202	112	22	samples	sample	NOUN
cjfa-8202	112	23	are	be	AUX
cjfa-8202	112	24	the	the	DET
cjfa-8202	112	25	middle	middle	ADJ
cjfa-8202	112	26	and	and	CCONJ
cjfa-8202	112	27	top	top	ADJ
cjfa-8202	112	28	fifteen	fifteen	ADJ
cjfa-8202	112	29	local	local	ADJ
cjfa-8202	112	30	indonesian	indonesian	ADJ
cjfa-8202	112	31	banks	bank	NOUN
cjfa-8202	112	32	listed	list	VERB
cjfa-8202	112	33	in	in	ADP
cjfa-8202	112	34	the	the	DET
cjfa-8202	112	35	indonesian	indonesian	ADJ
cjfa-8202	112	36	stock	stock	PROPN
cjfa-8202	112	37	exchange	exchange	PROPN
cjfa-8202	112	38	from	from	ADP
cjfa-8202	112	39	2008	2008	NUM
cjfa-8202	112	40	until	until	ADP
cjfa-8202	112	41	2012	2012	NUM
cjfa-8202	112	42	.	.	PUNCT
cjfa-8202	113	1	the	the	DET
cjfa-8202	113	2	reason	reason	NOUN
cjfa-8202	113	3	why	why	SCONJ
cjfa-8202	113	4	the	the	DET
cjfa-8202	113	5	middle	middle	ADJ
cjfa-8202	113	6	and	and	CCONJ
cjfa-8202	113	7	top	top	ADJ
cjfa-8202	113	8	fifteen	fifteen	ADJ
cjfa-8202	113	9	local	local	ADJ
cjfa-8202	113	10	indonesian	indonesian	ADJ
cjfa-8202	113	11	banks	bank	NOUN
cjfa-8202	113	12	were	be	AUX
cjfa-8202	113	13	chosen	choose	VERB
cjfa-8202	113	14	as	as	ADP
cjfa-8202	113	15	the	the	DET
cjfa-8202	113	16	samples	sample	NOUN
cjfa-8202	113	17	of	of	ADP
cjfa-8202	113	18	this	this	DET
cjfa-8202	113	19	study	study	NOUN
cjfa-8202	113	20	is	be	AUX
cjfa-8202	113	21	because	because	SCONJ
cjfa-8202	113	22	the	the	DET
cjfa-8202	113	23	data	data	NOUN
cjfa-8202	113	24	is	be	AUX
cjfa-8202	113	25	more	more	ADV
cjfa-8202	113	26	reliable	reliable	ADJ
cjfa-8202	113	27	while	while	SCONJ
cjfa-8202	113	28	the	the	DET
cjfa-8202	113	29	process	process	NOUN
cjfa-8202	113	30	of	of	ADP
cjfa-8202	113	31	recording	record	VERB
cjfa-8202	113	32	a	a	DET
cjfa-8202	113	33	bank	bank	NOUN
cjfa-8202	113	34	listed	list	VERB
cjfa-8202	113	35	in	in	ADP
cjfa-8202	113	36	indonesian	indonesian	ADJ
cjfa-8202	113	37	stock	stock	PROPN
cjfa-8202	113	38	exchange	exchange	NOUN
cjfa-8202	113	39	is	be	AUX
cjfa-8202	113	40	conducted	conduct	VERB
cjfa-8202	113	41	through	through	ADP
cjfa-8202	113	42	a	a	DET
cjfa-8202	113	43	careful	careful	ADJ
cjfa-8202	113	44	evaluation	evaluation	NOUN
cjfa-8202	113	45	and	and	CCONJ
cjfa-8202	113	46	feasibility	feasibility	NOUN
cjfa-8202	113	47	study	study	NOUN
cjfa-8202	113	48	.	.	PUNCT
cjfa-8202	114	1	3.2	3.2	NUM
cjfa-8202	114	2	.	.	PUNCT
cjfa-8202	115	1	operational	operational	ADJ
cjfa-8202	115	2	of	of	ADP
cjfa-8202	115	3	variables	variable	NOUN
cjfa-8202	115	4	basically	basically	ADV
cjfa-8202	115	5	,	,	PUNCT
cjfa-8202	115	6	the	the	DET
cjfa-8202	115	7	necessary	necessary	ADJ
cjfa-8202	115	8	data	datum	NOUN
cjfa-8202	115	9	in	in	ADP
cjfa-8202	115	10	this	this	DET
cjfa-8202	115	11	study	study	NOUN
cjfa-8202	115	12	can	can	AUX
cjfa-8202	115	13	be	be	AUX
cjfa-8202	115	14	categorized	categorize	VERB
cjfa-8202	115	15	into	into	ADP
cjfa-8202	115	16	3	3	NUM
cjfa-8202	115	17	(	(	PUNCT
cjfa-8202	115	18	three	three	NUM
cjfa-8202	115	19	)	)	PUNCT
cjfa-8202	115	20	groups	group	NOUN
cjfa-8202	115	21	of	of	ADP
cjfa-8202	115	22	variables	variable	NOUN
cjfa-8202	115	23	,	,	PUNCT
cjfa-8202	115	24	which	which	PRON
cjfa-8202	115	25	are	be	AUX
cjfa-8202	115	26	independent	independent	ADJ
cjfa-8202	115	27	variable	variable	ADJ
cjfa-8202	115	28	,	,	PUNCT
cjfa-8202	115	29	dependent	dependent	ADJ
cjfa-8202	115	30	variable	variable	NOUN
cjfa-8202	115	31	,	,	PUNCT
cjfa-8202	115	32	and	and	CCONJ
cjfa-8202	115	33	intervening	intervene	VERB
cjfa-8202	115	34	variable	variable	NOUN
cjfa-8202	115	35	.	.	PUNCT
cjfa-8202	116	1	the	the	DET
cjfa-8202	116	2	first	first	ADJ
cjfa-8202	116	3	variable	variable	NOUN
cjfa-8202	116	4	(	(	PUNCT
cjfa-8202	116	5	exp	exp	NOUN
cjfa-8202	116	6	)	)	PUNCT
cjfa-8202	116	7	is	be	AUX
cjfa-8202	116	8	the	the	DET
cjfa-8202	116	9	loan	loan	NOUN
cjfa-8202	116	10	exposure	exposure	NOUN
cjfa-8202	116	11	valuation	valuation	NOUN
cjfa-8202	116	12	.	.	PUNCT
cjfa-8202	117	1	this	this	DET
cjfa-8202	117	2	variable	variable	NOUN
cjfa-8202	117	3	is	be	AUX
cjfa-8202	117	4	independent	independent	ADJ
cjfa-8202	117	5	variable	variable	NOUN
cjfa-8202	117	6	,	,	PUNCT
cjfa-8202	117	7	which	which	PRON
cjfa-8202	117	8	is	be	AUX
cjfa-8202	117	9	indicated	indicate	VERB
cjfa-8202	117	10	through	through	ADP
cjfa-8202	117	11	the	the	DET
cjfa-8202	117	12	amount	amount	NOUN
cjfa-8202	117	13	of	of	ADP
cjfa-8202	117	14	credit	credit	NOUN
cjfa-8202	117	15	,	,	PUNCT
cjfa-8202	117	16	placement	placement	NOUN
cjfa-8202	117	17	and	and	CCONJ
cjfa-8202	117	18	investment	investment	NOUN
cjfa-8202	117	19	.	.	PUNCT
cjfa-8202	118	1	the	the	DET
cjfa-8202	118	2	second	second	ADJ
cjfa-8202	118	3	variable	variable	NOUN
cjfa-8202	118	4	is	be	AUX
cjfa-8202	118	5	risk	risk	NOUN
cjfa-8202	118	6	-	-	PUNCT
cjfa-8202	118	7	weighted	weight	VERB
cjfa-8202	118	8	assets	asset	NOUN
cjfa-8202	118	9	(	(	PUNCT
cjfa-8202	118	10	atmr	atmr	ADJ
cjfa-8202	118	11	)	)	PUNCT
cjfa-8202	118	12	.	.	PUNCT
cjfa-8202	119	1	this	this	DET
cjfa-8202	119	2	variable	variable	NOUN
cjfa-8202	119	3	is	be	AUX
cjfa-8202	119	4	the	the	DET
cjfa-8202	119	5	intervening	intervene	VERB
cjfa-8202	119	6	variable	variable	NOUN
cjfa-8202	119	7	with	with	ADP
cjfa-8202	119	8	indicated	indicate	VERB
cjfa-8202	119	9	amount	amount	NOUN
cjfa-8202	119	10	of	of	ADP
cjfa-8202	119	11	riskweighted	riskweighte	VERB
cjfa-8202	119	12	assets	asset	NOUN
cjfa-8202	119	13	.	.	PUNCT
cjfa-8202	120	1	the	the	DET
cjfa-8202	120	2	third	third	ADJ
cjfa-8202	120	3	variable	variable	NOUN
cjfa-8202	120	4	(	(	PUNCT
cjfa-8202	120	5	npl	npl	PROPN
cjfa-8202	120	6	)	)	PUNCT
cjfa-8202	120	7	is	be	AUX
cjfa-8202	120	8	the	the	DET
cjfa-8202	120	9	credit	credit	NOUN
cjfa-8202	120	10	default	default	NOUN
cjfa-8202	120	11	.	.	PUNCT
cjfa-8202	121	1	this	this	DET
cjfa-8202	121	2	variable	variable	NOUN
cjfa-8202	121	3	is	be	AUX
cjfa-8202	121	4	the	the	DET
cjfa-8202	121	5	dependent	dependent	ADJ
cjfa-8202	121	6	variable	variable	NOUN
cjfa-8202	121	7	with	with	ADP
cjfa-8202	121	8	proxy	proxy	NOUN
cjfa-8202	121	9	or	or	CCONJ
cjfa-8202	121	10	nonperforming	nonperforme	VERB
cjfa-8202	121	11	loan	loan	NOUN
cjfa-8202	121	12	.	.	PUNCT
cjfa-8202	122	1	the	the	DET
cjfa-8202	122	2	model	model	NOUN
cjfa-8202	122	3	can	can	AUX
cjfa-8202	122	4	be	be	AUX
cjfa-8202	122	5	formulated	formulate	VERB
cjfa-8202	122	6	as	as	SCONJ
cjfa-8202	122	7	follows	follow	VERB
cjfa-8202	122	8	:	:	PUNCT
cjfa-8202	122	9	npl	npl	PROPN
cjfa-8202	122	10	=	=	SYM
cjfa-8202	122	11	f(exp	f(exp	PROPN
cjfa-8202	122	12	)	)	PUNCT
cjfa-8202	123	1	+	+	CCONJ
cjfa-8202	123	2	e	e	X
cjfa-8202	123	3	(	(	PUNCT
cjfa-8202	123	4	1	1	X
cjfa-8202	123	5	)	)	PUNCT
cjfa-8202	123	6	the	the	DET
cjfa-8202	123	7	study	study	NOUN
cjfa-8202	123	8	of	of	ADP
cjfa-8202	123	9	risk	risk	NOUN
cjfa-8202	123	10	-	-	PUNCT
cjfa-8202	123	11	weighted	weight	VERB
cjfa-8202	123	12	assets	asset	NOUN
cjfa-8202	123	13	on	on	ADP
cjfa-8202	123	14	the	the	DET
cjfa-8202	123	15	effects	effect	NOUN
cjfa-8202	123	16	of	of	ADP
cjfa-8202	123	17	loan	loan	NOUN
cjfa-8202	123	18	…	…	PUNCT
cjfa-8202	123	19	167	167	NUM
cjfa-8202	123	20	npl	npl	X
cjfa-8202	123	21	=	=	SYM
cjfa-8202	123	22	f(exp	f(exp	PROPN
cjfa-8202	123	23	)	)	PUNCT
cjfa-8202	123	24	+	+	NUM
cjfa-8202	123	25	f(atmr	f(atmr	ADJ
cjfa-8202	123	26	)	)	PUNCT
cjfa-8202	123	27	+	+	CCONJ
cjfa-8202	123	28	e	e	X
cjfa-8202	123	29	(	(	PUNCT
cjfa-8202	123	30	2	2	NUM
cjfa-8202	123	31	)	)	PUNCT
cjfa-8202	123	32	atmr=	atmr=	NUM
cjfa-8202	123	33	f(exp	f(exp	NOUN
cjfa-8202	123	34	)	)	PUNCT
cjfa-8202	123	35	+	+	CCONJ
cjfa-8202	123	36	e	e	X
cjfa-8202	123	37	(	(	PUNCT
cjfa-8202	123	38	3	3	NUM
cjfa-8202	123	39	)	)	PUNCT
cjfa-8202	123	40	3.3	3.3	NUM
cjfa-8202	123	41	.	.	PUNCT
cjfa-8202	124	1	data	datum	NOUN
cjfa-8202	124	2	collection	collection	NOUN
cjfa-8202	124	3	techniques	technique	NOUN
cjfa-8202	124	4	the	the	DET
cjfa-8202	124	5	data	datum	NOUN
cjfa-8202	124	6	required	require	VERB
cjfa-8202	124	7	for	for	ADP
cjfa-8202	124	8	this	this	DET
cjfa-8202	124	9	study	study	NOUN
cjfa-8202	124	10	can	can	AUX
cjfa-8202	124	11	be	be	AUX
cjfa-8202	124	12	categorized	categorize	VERB
cjfa-8202	124	13	as	as	ADP
cjfa-8202	124	14	primary	primary	ADJ
cjfa-8202	124	15	data	datum	NOUN
cjfa-8202	124	16	and	and	CCONJ
cjfa-8202	124	17	secondary	secondary	ADJ
cjfa-8202	124	18	data	datum	NOUN
cjfa-8202	124	19	.	.	PUNCT
cjfa-8202	125	1	the	the	DET
cjfa-8202	125	2	primary	primary	ADJ
cjfa-8202	125	3	data	datum	NOUN
cjfa-8202	125	4	required	require	VERB
cjfa-8202	125	5	in	in	ADP
cjfa-8202	125	6	this	this	DET
cjfa-8202	125	7	study	study	NOUN
cjfa-8202	125	8	were	be	AUX
cjfa-8202	125	9	collected	collect	VERB
cjfa-8202	125	10	by	by	ADP
cjfa-8202	125	11	conducting	conduct	VERB
cjfa-8202	125	12	field	field	NOUN
cjfa-8202	125	13	research	research	NOUN
cjfa-8202	125	14	by	by	ADP
cjfa-8202	125	15	directly	directly	ADV
cjfa-8202	125	16	visiting	visit	VERB
cjfa-8202	125	17	the	the	DET
cjfa-8202	125	18	banks	bank	NOUN
cjfa-8202	125	19	,	,	PUNCT
cjfa-8202	125	20	which	which	PRON
cjfa-8202	125	21	are	be	AUX
cjfa-8202	125	22	listed	list	VERB
cjfa-8202	125	23	in	in	ADP
cjfa-8202	125	24	indonesian	indonesian	ADJ
cjfa-8202	125	25	stock	stock	PROPN
cjfa-8202	125	26	exchange	exchange	PROPN
cjfa-8202	125	27	.	.	PUNCT
cjfa-8202	126	1	the	the	DET
cjfa-8202	126	2	secondary	secondary	ADJ
cjfa-8202	126	3	data	datum	NOUN
cjfa-8202	126	4	were	be	AUX
cjfa-8202	126	5	collected	collect	VERB
cjfa-8202	126	6	through	through	ADP
cjfa-8202	126	7	library	library	ADJ
cjfa-8202	126	8	research	research	NOUN
cjfa-8202	126	9	.	.	PUNCT
cjfa-8202	127	1	3.4	3.4	NUM
cjfa-8202	127	2	method	method	NOUN
cjfa-8202	127	3	of	of	ADP
cjfa-8202	127	4	analysis	analysis	NOUN
cjfa-8202	127	5	in	in	ADP
cjfa-8202	127	6	this	this	DET
cjfa-8202	127	7	study	study	NOUN
cjfa-8202	127	8	,	,	PUNCT
cjfa-8202	127	9	the	the	DET
cjfa-8202	127	10	author	author	NOUN
cjfa-8202	127	11	used	use	VERB
cjfa-8202	127	12	structural	structural	ADJ
cjfa-8202	127	13	equation	equation	NOUN
cjfa-8202	127	14	modeling	modeling	NOUN
cjfa-8202	127	15	(	(	PUNCT
cjfa-8202	127	16	sem	sem	NOUN
cjfa-8202	127	17	)	)	PUNCT
cjfa-8202	127	18	.	.	PUNCT
cjfa-8202	128	1	sem	sem	PROPN
cjfa-8202	128	2	is	be	AUX
cjfa-8202	128	3	a	a	DET
cjfa-8202	128	4	method	method	NOUN
cjfa-8202	128	5	of	of	ADP
cjfa-8202	128	6	analysis	analysis	NOUN
cjfa-8202	128	7	,	,	PUNCT
cjfa-8202	128	8	which	which	PRON
cjfa-8202	128	9	can	can	AUX
cjfa-8202	128	10	provide	provide	VERB
cjfa-8202	128	11	information	information	NOUN
cjfa-8202	128	12	about	about	ADP
cjfa-8202	128	13	the	the	DET
cjfa-8202	128	14	simultaneous	simultaneous	ADJ
cjfa-8202	128	15	causal	causal	ADJ
cjfa-8202	128	16	relationship	relationship	NOUN
cjfa-8202	128	17	between	between	ADP
cjfa-8202	128	18	the	the	DET
cjfa-8202	128	19	variables	variable	NOUN
cjfa-8202	128	20	.	.	PUNCT
cjfa-8202	129	1	it	it	PRON
cjfa-8202	129	2	provides	provide	VERB
cjfa-8202	129	3	information	information	NOUN
cjfa-8202	129	4	about	about	ADP
cjfa-8202	129	5	the	the	DET
cjfa-8202	129	6	load	load	NOUN
cjfa-8202	129	7	factors	factor	NOUN
cjfa-8202	129	8	and	and	CCONJ
cjfa-8202	129	9	measurement	measurement	NOUN
cjfa-8202	129	10	of	of	ADP
cjfa-8202	129	11	errors	error	NOUN
cjfa-8202	129	12	.	.	PUNCT
cjfa-8202	130	1	sem	sem	PROPN
cjfa-8202	130	2	can	can	AUX
cjfa-8202	130	3	be	be	AUX
cjfa-8202	130	4	used	use	VERB
cjfa-8202	130	5	to	to	PART
cjfa-8202	130	6	analyze	analyze	VERB
cjfa-8202	130	7	the	the	DET
cjfa-8202	130	8	relationship	relationship	NOUN
cjfa-8202	130	9	between	between	ADP
cjfa-8202	130	10	latent	latent	NOUN
cjfa-8202	130	11	variables	variable	NOUN
cjfa-8202	130	12	with	with	ADP
cjfa-8202	130	13	indicator	indicator	NOUN
cjfa-8202	130	14	variables	variable	NOUN
cjfa-8202	130	15	,	,	PUNCT
cjfa-8202	130	16	the	the	DET
cjfa-8202	130	17	relationship	relationship	NOUN
cjfa-8202	130	18	between	between	ADP
cjfa-8202	130	19	latent	latent	NOUN
cjfa-8202	130	20	variables	variable	NOUN
cjfa-8202	130	21	with	with	ADP
cjfa-8202	130	22	another	another	PRON
cjfa-8202	130	23	,	,	PUNCT
cjfa-8202	130	24	as	as	ADV
cjfa-8202	130	25	well	well	ADV
cjfa-8202	130	26	as	as	ADP
cjfa-8202	130	27	knowing	know	VERB
cjfa-8202	130	28	the	the	DET
cjfa-8202	130	29	size	size	NOUN
cjfa-8202	130	30	of	of	ADP
cjfa-8202	130	31	the	the	DET
cjfa-8202	130	32	measurement	measurement	NOUN
cjfa-8202	130	33	error	error	NOUN
cjfa-8202	130	34	(	(	PUNCT
cjfa-8202	130	35	ghozali	ghozali	PROPN
cjfa-8202	130	36	,	,	PUNCT
cjfa-8202	130	37	2008	2008	NUM
cjfa-8202	130	38	)	)	PUNCT
cjfa-8202	130	39	.	.	PUNCT
cjfa-8202	131	1	to	to	PART
cjfa-8202	131	2	support	support	VERB
cjfa-8202	131	3	structural	structural	ADJ
cjfa-8202	131	4	equation	equation	NOUN
cjfa-8202	131	5	modeling	modeling	NOUN
cjfa-8202	131	6	,	,	PUNCT
cjfa-8202	131	7	the	the	DET
cjfa-8202	131	8	author	author	NOUN
cjfa-8202	131	9	used	use	VERB
cjfa-8202	131	10	software	software	PROPN
cjfa-8202	131	11	amos	amos	PROPN
cjfa-8202	131	12	21:00	21:00	NUM
cjfa-8202	131	13	.	.	PROPN
cjfa-8202	132	1	4	4	NUM
cjfa-8202	132	2	.	.	NOUN
cjfa-8202	132	3	results	result	NOUN
cjfa-8202	132	4	and	and	CCONJ
cjfa-8202	132	5	conclusions	conclusion	NOUN
cjfa-8202	132	6	4.1.testing	4.1.teste	VERB
cjfa-8202	132	7	the	the	DET
cjfa-8202	132	8	feasibility	feasibility	NOUN
cjfa-8202	132	9	of	of	ADP
cjfa-8202	132	10	research	research	NOUN
cjfa-8202	132	11	model	model	NOUN
cjfa-8202	132	12	1	1	NUM
cjfa-8202	132	13	)	)	PUNCT
cjfa-8202	132	14	normality	normality	NOUN
cjfa-8202	132	15	and	and	CCONJ
cjfa-8202	132	16	linearity	linearity	NOUN
cjfa-8202	132	17	normality	normality	NOUN
cjfa-8202	132	18	test	test	NOUN
cjfa-8202	132	19	is	be	AUX
cjfa-8202	132	20	done	do	VERB
cjfa-8202	132	21	by	by	ADP
cjfa-8202	132	22	using	use	VERB
cjfa-8202	132	23	the	the	DET
cjfa-8202	132	24	skewness	skewness	NOUN
cjfa-8202	132	25	test	test	NOUN
cjfa-8202	132	26	,	,	PUNCT
cjfa-8202	132	27	which	which	PRON
cjfa-8202	132	28	shows	show	VERB
cjfa-8202	132	29	almost	almost	ADV
cjfa-8202	132	30	all	all	PRON
cjfa-8202	132	31	normal	normal	ADJ
cjfa-8202	132	32	variables	variable	NOUN
cjfa-8202	132	33	,	,	PUNCT
cjfa-8202	132	34	are	be	AUX
cjfa-8202	132	35	at	at	ADP
cjfa-8202	132	36	the	the	DET
cjfa-8202	132	37	level	level	NOUN
cjfa-8202	132	38	of	of	ADP
cjfa-8202	132	39	0.01	0.01	NUM
cjfa-8202	132	40	(	(	PUNCT
cjfa-8202	132	41	1	1	NUM
cjfa-8202	132	42	%	%	NOUN
cjfa-8202	132	43	)	)	PUNCT
cjfa-8202	132	44	.	.	PUNCT
cjfa-8202	133	1	this	this	PRON
cjfa-8202	133	2	is	be	AUX
cjfa-8202	133	3	reflected	reflect	VERB
cjfa-8202	133	4	in	in	ADP
cjfa-8202	133	5	the	the	DET
cjfa-8202	133	6	value	value	NOUN
cjfa-8202	133	7	of	of	ADP
cjfa-8202	133	8	skewness	skewness	NOUN
cjfa-8202	133	9	cr	cr	PROPN
cjfa-8202	133	10	,	,	PUNCT
cjfa-8202	133	11	which	which	PRON
cjfa-8202	133	12	is	be	AUX
cjfa-8202	133	13	below	below	ADP
cjfa-8202	133	14	±	±	NUM
cjfa-8202	133	15	2.58	2.58	NUM
cjfa-8202	133	16	(	(	PUNCT
cjfa-8202	133	17	arbuckle	arbuckle	PROPN
cjfa-8202	133	18	1997	1997	NUM
cjfa-8202	133	19	,	,	PUNCT
cjfa-8202	133	20	78	78	NUM
cjfa-8202	133	21	)	)	PUNCT
cjfa-8202	133	22	.	.	PUNCT
cjfa-8202	134	1	multivariate	multivariate	NOUN
cjfa-8202	134	2	value	value	NOUN
cjfa-8202	134	3	used	use	VERB
cjfa-8202	134	4	in	in	ADP
cjfa-8202	134	5	testing	testing	NOUN
cjfa-8202	134	6	multivariate	multivariate	NOUN
cjfa-8202	134	7	normality	normality	NOUN
cjfa-8202	134	8	is	be	AUX
cjfa-8202	134	9	kurtosis	kurtosis	NOUN
cjfa-8202	134	10	coefficient	coefficient	NOUN
cjfa-8202	134	11	.	.	PUNCT
cjfa-8202	135	1	if	if	SCONJ
cjfa-8202	135	2	the	the	DET
cjfa-8202	135	3	results	result	NOUN
cjfa-8202	135	4	are	be	AUX
cjfa-8202	135	5	still	still	ADV
cjfa-8202	135	6	below	below	ADP
cjfa-8202	135	7	the	the	DET
cjfa-8202	135	8	limit	limit	NOUN
cjfa-8202	135	9	of	of	ADP
cjfa-8202	135	10	±	±	NUM
cjfa-8202	135	11	2.58	2.58	NUM
cjfa-8202	135	12	,	,	PUNCT
cjfa-8202	135	13	it	it	PRON
cjfa-8202	135	14	means	mean	VERB
cjfa-8202	135	15	that	that	SCONJ
cjfa-8202	135	16	there	there	PRON
cjfa-8202	135	17	are	be	VERB
cjfa-8202	135	18	data	datum	NOUN
cjfa-8202	135	19	used	use	VERB
cjfa-8202	135	20	for	for	ADP
cjfa-8202	135	21	multivariate	multivariate	NOUN
cjfa-8202	135	22	normal	normal	ADJ
cjfa-8202	135	23	distribution	distribution	NOUN
cjfa-8202	135	24	.	.	PUNCT
cjfa-8202	136	1	2	2	X
cjfa-8202	136	2	)	)	PUNCT
cjfa-8202	136	3	extreme	extreme	ADJ
cjfa-8202	136	4	numbers	number	NOUN
cjfa-8202	136	5	(	(	PUNCT
cjfa-8202	136	6	outliers	outlier	NOUN
cjfa-8202	136	7	)	)	PUNCT
cjfa-8202	136	8	outliers	outlier	NOUN
cjfa-8202	136	9	are	be	AUX
cjfa-8202	136	10	observations	observation	NOUN
cjfa-8202	136	11	that	that	PRON
cjfa-8202	136	12	appear	appear	VERB
cjfa-8202	136	13	to	to	PART
cjfa-8202	136	14	be	be	AUX
cjfa-8202	136	15	an	an	DET
cjfa-8202	136	16	extreme	extreme	ADJ
cjfa-8202	136	17	case	case	NOUN
cjfa-8202	136	18	in	in	ADP
cjfa-8202	136	19	both	both	CCONJ
cjfa-8202	136	20	univariate	univariate	ADJ
cjfa-8202	136	21	and	and	CCONJ
cjfa-8202	136	22	multivariate	multivariate	VERB
cjfa-8202	136	23	values	value	NOUN
cjfa-8202	136	24	due	due	ADP
cjfa-8202	136	25	to	to	ADP
cjfa-8202	136	26	the	the	DET
cjfa-8202	136	27	combination	combination	NOUN
cjfa-8202	136	28	of	of	ADP
cjfa-8202	136	29	its	its	PRON
cjfa-8202	136	30	unique	unique	ADJ
cjfa-8202	136	31	chatigor	chatigor	NOUN
cjfa-8202	136	32	sitorus168	sitorus168	NOUN
cjfa-8202	136	33	racteristics	racteristic	NOUN
cjfa-8202	136	34	,	,	PUNCT
cjfa-8202	136	35	and	and	CCONJ
cjfa-8202	136	36	they	they	PRON
cjfa-8202	136	37	look	look	VERB
cjfa-8202	136	38	very	very	ADV
cjfa-8202	136	39	much	much	ADV
cjfa-8202	136	40	different	different	ADJ
cjfa-8202	136	41	from	from	ADP
cjfa-8202	136	42	the	the	DET
cjfa-8202	136	43	other	other	ADJ
cjfa-8202	136	44	types	type	NOUN
cjfa-8202	136	45	of	of	ADP
cjfa-8202	136	46	observation	observation	NOUN
cjfa-8202	136	47	.	.	PUNCT
cjfa-8202	137	1	in	in	ADP
cjfa-8202	137	2	this	this	DET
cjfa-8202	137	3	study	study	NOUN
cjfa-8202	137	4	,	,	PUNCT
cjfa-8202	137	5	the	the	DET
cjfa-8202	137	6	model	model	NOUN
cjfa-8202	137	7	proves	prove	VERB
cjfa-8202	137	8	that	that	SCONJ
cjfa-8202	137	9	no	no	DET
cjfa-8202	137	10	outlier	outlier	NOUN
cjfa-8202	137	11	is	be	AUX
cjfa-8202	137	12	generated	generate	VERB
cjfa-8202	137	13	.	.	PUNCT
cjfa-8202	138	1	3	3	X
cjfa-8202	138	2	)	)	PUNCT
cjfa-8202	138	3	multicollinearity	multicollinearity	NOUN
cjfa-8202	138	4	multicollinearity	multicollinearity	NOUN
cjfa-8202	138	5	can	can	AUX
cjfa-8202	138	6	be	be	AUX
cjfa-8202	138	7	detected	detect	VERB
cjfa-8202	138	8	from	from	ADP
cjfa-8202	138	9	the	the	DET
cjfa-8202	138	10	determinant	determinant	NOUN
cjfa-8202	138	11	of	of	ADP
cjfa-8202	138	12	the	the	DET
cjfa-8202	138	13	covariance	covariance	NOUN
cjfa-8202	138	14	matrix	matrix	NOUN
cjfa-8202	138	15	(	(	PUNCT
cjfa-8202	138	16	cooper	cooper	PROPN
cjfa-8202	138	17	,	,	PUNCT
cjfa-8202	138	18	emory	emory	PROPN
cjfa-8202	138	19	1996	1996	NUM
cjfa-8202	138	20	,	,	PUNCT
cjfa-8202	138	21	324	324	NUM
cjfa-8202	138	22	)	)	PUNCT
cjfa-8202	138	23	.	.	PUNCT
cjfa-8202	139	1	the	the	DET
cjfa-8202	139	2	small	small	ADJ
cjfa-8202	139	3	value	value	NOUN
cjfa-8202	139	4	of	of	ADP
cjfa-8202	139	5	determinant	determinant	NOUN
cjfa-8202	139	6	of	of	ADP
cjfa-8202	139	7	covariance	covariance	NOUN
cjfa-8202	139	8	matrix	matrix	NOUN
cjfa-8202	139	9	indicates	indicate	VERB
cjfa-8202	139	10	multicollinearity	multicollinearity	NOUN
cjfa-8202	139	11	problem	problem	NOUN
cjfa-8202	139	12	.	.	PUNCT
cjfa-8202	140	1	in	in	ADP
cjfa-8202	140	2	the	the	DET
cjfa-8202	140	3	table	table	NOUN
cjfa-8202	140	4	,	,	PUNCT
cjfa-8202	140	5	it	it	PRON
cjfa-8202	140	6	can	can	AUX
cjfa-8202	140	7	be	be	AUX
cjfa-8202	140	8	seen	see	VERB
cjfa-8202	140	9	that	that	SCONJ
cjfa-8202	140	10	the	the	DET
cjfa-8202	140	11	correlation	correlation	NOUN
cjfa-8202	140	12	between	between	ADP
cjfa-8202	140	13	the	the	DET
cjfa-8202	140	14	independent	independent	ADJ
cjfa-8202	140	15	variables	variable	NOUN
cjfa-8202	140	16	is	be	AUX
cjfa-8202	140	17	less	less	ADJ
cjfa-8202	140	18	than	than	ADP
cjfa-8202	140	19	1	1	NUM
cjfa-8202	140	20	(	(	PUNCT
cjfa-8202	140	21	r	r	NOUN
cjfa-8202	140	22	<	<	NOUN
cjfa-8202	140	23	1	1	NUM
cjfa-8202	140	24	)	)	PUNCT
cjfa-8202	140	25	,	,	PUNCT
cjfa-8202	140	26	which	which	PRON
cjfa-8202	140	27	means	mean	VERB
cjfa-8202	140	28	that	that	SCONJ
cjfa-8202	140	29	the	the	DET
cjfa-8202	140	30	independent	independent	ADJ
cjfa-8202	140	31	variables	variable	NOUN
cjfa-8202	140	32	have	have	VERB
cjfa-8202	140	33	no	no	DET
cjfa-8202	140	34	symptoms	symptom	NOUN
cjfa-8202	140	35	of	of	ADP
cjfa-8202	140	36	multicollinearity	multicollinearity	NOUN
cjfa-8202	140	37	.	.	PUNCT
cjfa-8202	141	1	furthermore	furthermore	ADV
cjfa-8202	141	2	,	,	PUNCT
cjfa-8202	141	3	a	a	DET
cjfa-8202	141	4	feasibility	feasibility	NOUN
cjfa-8202	141	5	test	test	NOUN
cjfa-8202	141	6	is	be	AUX
cjfa-8202	141	7	conducted	conduct	VERB
cjfa-8202	141	8	after	after	ADP
cjfa-8202	141	9	meeting	meet	VERB
cjfa-8202	141	10	the	the	DET
cjfa-8202	141	11	following	follow	VERB
cjfa-8202	141	12	assumptions	assumption	NOUN
cjfa-8202	141	13	.	.	PUNCT
cjfa-8202	142	1	to	to	PART
cjfa-8202	142	2	test	test	VERB
cjfa-8202	142	3	the	the	DET
cjfa-8202	142	4	feasibility	feasibility	NOUN
cjfa-8202	142	5	of	of	ADP
cjfa-8202	142	6	the	the	DET
cjfa-8202	142	7	structural	structural	ADJ
cjfa-8202	142	8	equation	equation	NOUN
cjfa-8202	142	9	model	model	NOUN
cjfa-8202	142	10	,	,	PUNCT
cjfa-8202	142	11	some	some	DET
cjfa-8202	142	12	eligibility	eligibility	NOUN
cjfa-8202	142	13	index	index	NOUN
cjfa-8202	142	14	models	model	NOUN
cjfa-8202	142	15	were	be	AUX
cjfa-8202	142	16	used	use	VERB
cjfa-8202	142	17	.	.	PUNCT
cjfa-8202	143	1	according	accord	VERB
cjfa-8202	143	2	to	to	ADP
cjfa-8202	143	3	arbuckle	arbuckle	PROPN
cjfa-8202	143	4	(	(	PUNCT
cjfa-8202	143	5	1997	1997	NUM
cjfa-8202	143	6	)	)	PUNCT
cjfa-8202	143	7	,	,	PUNCT
cjfa-8202	143	8	amos	amos	PROPN
cjfa-8202	143	9	can	can	AUX
cjfa-8202	143	10	also	also	ADV
cjfa-8202	143	11	be	be	AUX
cjfa-8202	143	12	used	use	VERB
cjfa-8202	143	13	to	to	PART
cjfa-8202	143	14	identify	identify	VERB
cjfa-8202	143	15	the	the	DET
cjfa-8202	143	16	proposed	propose	VERB
cjfa-8202	143	17	model	model	NOUN
cjfa-8202	143	18	by	by	ADP
cjfa-8202	143	19	meeting	meet	VERB
cjfa-8202	143	20	the	the	DET
cjfa-8202	143	21	criteria	criterion	NOUN
cjfa-8202	143	22	of	of	ADP
cjfa-8202	143	23	a	a	DET
cjfa-8202	143	24	good	good	ADJ
cjfa-8202	143	25	structural	structural	ADJ
cjfa-8202	143	26	equation	equation	NOUN
cjfa-8202	143	27	model	model	NOUN
cjfa-8202	143	28	.	.	PUNCT
cjfa-8202	144	1	those	those	DET
cjfa-8202	144	2	criteria	criterion	NOUN
cjfa-8202	144	3	are	be	AUX
cjfa-8202	144	4	:	:	PUNCT
cjfa-8202	144	5	a	a	X
cjfa-8202	144	6	)	)	PUNCT
cjfa-8202	144	7	positive	positive	ADJ
cjfa-8202	144	8	degrees	degree	NOUN
cjfa-8202	144	9	of	of	ADP
cjfa-8202	144	10	freedom	freedom	NOUN
cjfa-8202	144	11	the	the	DET
cjfa-8202	144	12	output	output	NOUN
cjfa-8202	144	13	results	result	NOUN
cjfa-8202	144	14	and	and	CCONJ
cjfa-8202	144	15	the	the	DET
cjfa-8202	144	16	degree	degree	NOUN
cjfa-8202	144	17	of	of	ADP
cjfa-8202	144	18	freedom	freedom	NOUN
cjfa-8202	144	19	must	must	AUX
cjfa-8202	144	20	be	be	AUX
cjfa-8202	144	21	equal	equal	ADJ
cjfa-8202	144	22	to	to	ADP
cjfa-8202	144	23	4	4	NUM
cjfa-8202	144	24	in	in	ADP
cjfa-8202	144	25	order	order	NOUN
cjfa-8202	144	26	for	for	ADP
cjfa-8202	144	27	the	the	DET
cjfa-8202	144	28	developed	develop	VERB
cjfa-8202	144	29	model	model	NOUN
cjfa-8202	144	30	to	to	PART
cjfa-8202	144	31	meet	meet	VERB
cjfa-8202	144	32	the	the	DET
cjfa-8202	144	33	criteria	criterion	NOUN
cjfa-8202	144	34	as	as	ADP
cjfa-8202	144	35	a	a	DET
cjfa-8202	144	36	good	good	ADJ
cjfa-8202	144	37	model	model	NOUN
cjfa-8202	144	38	.	.	PUNCT
cjfa-8202	145	1	b	b	X
cjfa-8202	145	2	)	)	PUNCT
cjfa-8202	145	3	χ2	χ2	NOUN
cjfa-8202	145	4	(	(	PUNCT
cjfa-8202	145	5	chi	chi	ADJ
cjfa-8202	145	6	-	-	PUNCT
cjfa-8202	145	7	square	square	ADJ
cjfa-8202	145	8	statistic	statistic	NOUN
cjfa-8202	145	9	)	)	PUNCT
cjfa-8202	145	10	and	and	CCONJ
cjfa-8202	145	11	probability	probability	VERB
cjfa-8202	145	12	the	the	DET
cjfa-8202	145	13	likelihood	likelihood	NOUN
cjfa-8202	145	14	ratio	ratio	NOUN
cjfa-8202	145	15	chi	chi	ADJ
cjfa-8202	145	16	-	-	PUNCT
cjfa-8202	145	17	square	square	ADJ
cjfa-8202	145	18	statistic	statistic	NOUN
cjfa-8202	145	19	is	be	AUX
cjfa-8202	145	20	the	the	DET
cjfa-8202	145	21	fundamental	fundamental	ADJ
cjfa-8202	145	22	test	test	NOUN
cjfa-8202	145	23	equipment	equipment	NOUN
cjfa-8202	145	24	to	to	PART
cjfa-8202	145	25	measure	measure	VERB
cjfa-8202	145	26	the	the	DET
cjfa-8202	145	27	overall	overall	ADJ
cjfa-8202	145	28	fit	fit	ADJ
cjfa-8202	145	29	.	.	PUNCT
cjfa-8202	146	1	significant	significant	ADJ
cjfa-8202	146	2	level	level	NOUN
cjfa-8202	146	3	of	of	ADP
cjfa-8202	146	4	acceptance	acceptance	NOUN
cjfa-8202	146	5	is	be	AUX
cjfa-8202	146	6	recommended	recommend	VERB
cjfa-8202	146	7	if	if	SCONJ
cjfa-8202	146	8	p	p	PROPN
cjfa-8202	146	9	≥	≥	NOUN
cjfa-8202	146	10	0.05	0.05	NUM
cjfa-8202	146	11	(	(	PUNCT
cjfa-8202	146	12	hair	hair	NOUN
cjfa-8202	146	13	et	et	PROPN
cjfa-8202	146	14	al	al	PROPN
cjfa-8202	146	15	.	.	PROPN
cjfa-8202	146	16	1998	1998	NUM
cjfa-8202	146	17	,	,	PUNCT
cjfa-8202	146	18	389	389	NUM
cjfa-8202	146	19	)	)	PUNCT
cjfa-8202	146	20	,	,	PUNCT
cjfa-8202	146	21	which	which	PRON
cjfa-8202	146	22	means	mean	VERB
cjfa-8202	146	23	the	the	DET
cjfa-8202	146	24	actual	actual	ADJ
cjfa-8202	146	25	input	input	NOUN
cjfa-8202	146	26	matrix	matrix	NOUN
cjfa-8202	146	27	is	be	AUX
cjfa-8202	146	28	not	not	PART
cjfa-8202	146	29	statistically	statistically	ADV
cjfa-8202	146	30	different	different	ADJ
cjfa-8202	146	31	from	from	ADP
cjfa-8202	146	32	the	the	DET
cjfa-8202	146	33	predicted	predict	VERB
cjfa-8202	146	34	input	input	NOUN
cjfa-8202	146	35	matrices	matrix	NOUN
cjfa-8202	146	36	(	(	PUNCT
cjfa-8202	146	37	wheaton	wheaton	PROPN
cjfa-8202	146	38	,	,	PUNCT
cjfa-8202	146	39	1977	1977	NUM
cjfa-8202	146	40	)	)	PUNCT
cjfa-8202	146	41	.	.	PUNCT
cjfa-8202	147	1	amos	amos	PROPN
cjfa-8202	147	2	output	output	PROPN
cjfa-8202	147	3	results	result	NOUN
cjfa-8202	147	4	showed	show	VERB
cjfa-8202	147	5	that	that	SCONJ
cjfa-8202	147	6	the	the	DET
cjfa-8202	147	7	ratio	ratio	NOUN
cjfa-8202	147	8	of	of	ADP
cjfa-8202	147	9	chi	chi	PROPN
cjfa-8202	147	10	square	square	PROPN
cjfa-8202	147	11	is	be	AUX
cjfa-8202	147	12	3.3328	3.3328	NUM
cjfa-8202	147	13	or	or	CCONJ
cjfa-8202	147	14	less	less	ADJ
cjfa-8202	147	15	than	than	ADP
cjfa-8202	147	16	591	591	NUM
cjfa-8202	147	17	(	(	PUNCT
cjfa-8202	147	18	3	3	NUM
cjfa-8202	147	19	x	x	SYM
cjfa-8202	147	20	197	197	NUM
cjfa-8202	147	21	)	)	PUNCT
cjfa-8202	147	22	.	.	PUNCT
cjfa-8202	148	1	besides	besides	SCONJ
cjfa-8202	148	2	ratio	ratio	VERB
cjfa-8202	148	3	chi	chi	ADJ
cjfa-8202	148	4	-	-	PUNCT
cjfa-8202	148	5	square	square	ADJ
cjfa-8202	148	6	,	,	PUNCT
cjfa-8202	148	7	hair	hair	NOUN
cjfa-8202	148	8	et	et	PROPN
cjfa-8202	148	9	al	al	PROPN
cjfa-8202	148	10	.	.	PUNCT
cjfa-8202	149	1	(	(	PUNCT
cjfa-8202	149	2	1998	1998	NUM
cjfa-8202	149	3	,	,	PUNCT
cjfa-8202	149	4	340	340	NUM
cjfa-8202	149	5	)	)	PUNCT
cjfa-8202	149	6	recommended	recommend	VERB
cjfa-8202	149	7	to	to	PART
cjfa-8202	149	8	use	use	VERB
cjfa-8202	149	9	the	the	DET
cjfa-8202	149	10	value	value	NOUN
cjfa-8202	149	11	of	of	ADP
cjfa-8202	149	12	cmin	cmin	PROPN
cjfa-8202	149	13	/	/	SYM
cjfa-8202	149	14	df	df	PROPN
cjfa-8202	149	15	.	.	PUNCT
cjfa-8202	150	1	cmin	cmin	PROPN
cjfa-8202	150	2	/	/	SYM
cjfa-8202	150	3	df	df	PROPN
cjfa-8202	150	4	is	be	AUX
cjfa-8202	150	5	the	the	DET
cjfa-8202	150	6	value	value	NOUN
cjfa-8202	150	7	of	of	ADP
cjfa-8202	150	8	conformity	conformity	NOUN
cjfa-8202	150	9	which	which	PRON
cjfa-8202	150	10	can	can	AUX
cjfa-8202	150	11	be	be	AUX
cjfa-8202	150	12	used	use	VERB
cjfa-8202	150	13	to	to	PART
cjfa-8202	150	14	decide	decide	VERB
cjfa-8202	150	15	whether	whether	SCONJ
cjfa-8202	150	16	the	the	DET
cjfa-8202	150	17	model	model	NOUN
cjfa-8202	150	18	is	be	AUX
cjfa-8202	150	19	accepted	accept	VERB
cjfa-8202	150	20	or	or	CCONJ
cjfa-8202	150	21	not	not	PART
cjfa-8202	150	22	.	.	PUNCT
cjfa-8202	151	1	for	for	SCONJ
cjfa-8202	151	2	a	a	DET
cjfa-8202	151	3	model	model	NOUN
cjfa-8202	151	4	to	to	PART
cjfa-8202	151	5	be	be	AUX
cjfa-8202	151	6	accepted	accept	VERB
cjfa-8202	151	7	,	,	PUNCT
cjfa-8202	151	8	the	the	DET
cjfa-8202	151	9	value	value	NOUN
cjfa-8202	151	10	of	of	ADP
cjfa-8202	151	11	cmin	cmin	PROPN
cjfa-8202	151	12	/	/	SYM
cjfa-8202	151	13	df	df	PROPN
cjfa-8202	151	14	has	have	VERB
cjfa-8202	151	15	to	to	PART
cjfa-8202	151	16	be	be	AUX
cjfa-8202	151	17	less	less	ADJ
cjfa-8202	151	18	than	than	ADP
cjfa-8202	151	19	or	or	CCONJ
cjfa-8202	151	20	equal	equal	ADJ
cjfa-8202	151	21	to	to	ADP
cjfa-8202	151	22	2.0	2.0	NUM
cjfa-8202	151	23	or	or	CCONJ
cjfa-8202	151	24	3.0	3.0	NUM
cjfa-8202	151	25	.	.	PUNCT
cjfa-8202	152	1	in	in	ADP
cjfa-8202	152	2	this	this	DET
cjfa-8202	152	3	study	study	NOUN
cjfa-8202	152	4	,	,	PUNCT
cjfa-8202	152	5	it	it	PRON
cjfa-8202	152	6	was	be	AUX
cjfa-8202	152	7	found	find	VERB
cjfa-8202	152	8	that	that	SCONJ
cjfa-8202	152	9	the	the	DET
cjfa-8202	152	10	value	value	NOUN
cjfa-8202	152	11	of	of	ADP
cjfa-8202	152	12	cmin	cmin	PROPN
cjfa-8202	152	13	/	/	SYM
cjfa-8202	152	14	df	df	PROPN
cjfa-8202	152	15	is	be	AUX
cjfa-8202	152	16	0.8307	0.8307	NUM
cjfa-8202	152	17	,	,	PUNCT
cjfa-8202	152	18	which	which	PRON
cjfa-8202	152	19	is	be	AUX
cjfa-8202	152	20	less	less	ADJ
cjfa-8202	152	21	than	than	ADP
cjfa-8202	152	22	2.0	2.0	NUM
cjfa-8202	152	23	.	.	PUNCT
cjfa-8202	153	1	based	base	VERB
cjfa-8202	153	2	on	on	ADP
cjfa-8202	153	3	the	the	DET
cjfa-8202	153	4	result	result	NOUN
cjfa-8202	153	5	of	of	ADP
cjfa-8202	153	6	calculation	calculation	NOUN
cjfa-8202	153	7	,	,	PUNCT
cjfa-8202	153	8	it	it	PRON
cjfa-8202	153	9	can	can	AUX
cjfa-8202	153	10	be	be	AUX
cjfa-8202	153	11	concluded	conclude	VERB
cjfa-8202	153	12	that	that	SCONJ
cjfa-8202	153	13	this	this	DET
cjfa-8202	153	14	model	model	NOUN
cjfa-8202	153	15	is	be	AUX
cjfa-8202	153	16	acceptable	acceptable	ADJ
cjfa-8202	153	17	and	and	CCONJ
cjfa-8202	153	18	can	can	AUX
cjfa-8202	153	19	be	be	AUX
cjfa-8202	153	20	used	use	VERB
cjfa-8202	153	21	.	.	PUNCT
cjfa-8202	154	1	c	c	X
cjfa-8202	154	2	)	)	PUNCT
cjfa-8202	154	3	goodness	goodness	NOUN
cjfa-8202	154	4	of	of	ADP
cjfa-8202	154	5	fit	fit	ADJ
cjfa-8202	154	6	index	index	NOUN
cjfa-8202	154	7	(	(	PUNCT
cjfa-8202	154	8	gfi	gfi	PROPN
cjfa-8202	154	9	)	)	PUNCT
cjfa-8202	154	10	this	this	DET
cjfa-8202	154	11	index	index	NOUN
cjfa-8202	154	12	reflects	reflect	VERB
cjfa-8202	154	13	the	the	DET
cjfa-8202	154	14	overall	overall	ADJ
cjfa-8202	154	15	suitability	suitability	NOUN
cjfa-8202	154	16	of	of	ADP
cjfa-8202	154	17	the	the	DET
cjfa-8202	154	18	model	model	NOUN
cjfa-8202	154	19	,	,	PUNCT
cjfa-8202	154	20	and	and	CCONJ
cjfa-8202	154	21	it	it	PRON
cjfa-8202	154	22	is	be	AUX
cjfa-8202	154	23	calculated	calculate	VERB
cjfa-8202	154	24	from	from	ADP
cjfa-8202	154	25	the	the	DET
cjfa-8202	154	26	residual	residual	ADJ
cjfa-8202	154	27	quadratic	quadratic	ADJ
cjfa-8202	154	28	model	model	NOUN
cjfa-8202	154	29	that	that	PRON
cjfa-8202	154	30	predicts	predict	VERB
cjfa-8202	154	31	and	and	CCONJ
cjfa-8202	154	32	compares	compare	VERB
cjfa-8202	154	33	the	the	DET
cjfa-8202	154	34	actual	actual	ADJ
cjfa-8202	154	35	data	datum	NOUN
cjfa-8202	154	36	.	.	PUNCT
cjfa-8202	155	1	the	the	DET
cjfa-8202	155	2	value	value	NOUN
cjfa-8202	155	3	of	of	ADP
cjfa-8202	155	4	goodness	goodness	NOUN
cjfa-8202	155	5	of	of	ADP
cjfa-8202	155	6	fit	fit	ADJ
cjfa-8202	155	7	index	index	NOUN
cjfa-8202	155	8	is	be	AUX
cjfa-8202	155	9	0.9826	0.9826	NUM
cjfa-8202	155	10	,	,	PUNCT
cjfa-8202	155	11	or	or	CCONJ
cjfa-8202	155	12	it	it	PRON
cjfa-8202	155	13	usually	usually	ADV
cjfa-8202	155	14	ranges	range	VERB
cjfa-8202	155	15	from	from	ADP
cjfa-8202	155	16	0	0	NUM
cjfa-8202	155	17	to	to	ADP
cjfa-8202	155	18	1	1	NUM
cjfa-8202	155	19	.	.	PUNCT
cjfa-8202	156	1	the	the	DET
cjfa-8202	156	2	larger	large	ADJ
cjfa-8202	156	3	the	the	DET
cjfa-8202	156	4	sample	sample	NOUN
cjfa-8202	156	5	size	size	NOUN
cjfa-8202	156	6	,	,	PUNCT
cjfa-8202	156	7	the	the	PRON
cjfa-8202	156	8	greater	great	ADJ
cjfa-8202	156	9	the	the	DET
cjfa-8202	156	10	va	va	NOUN
cjfa-8202	156	11	the	the	DET
cjfa-8202	156	12	study	study	NOUN
cjfa-8202	156	13	of	of	ADP
cjfa-8202	156	14	risk	risk	NOUN
cjfa-8202	156	15	-	-	PUNCT
cjfa-8202	156	16	weighted	weight	VERB
cjfa-8202	156	17	assets	asset	NOUN
cjfa-8202	156	18	on	on	ADP
cjfa-8202	156	19	the	the	DET
cjfa-8202	156	20	effects	effect	NOUN
cjfa-8202	156	21	of	of	ADP
cjfa-8202	156	22	loan	loan	NOUN
cjfa-8202	156	23	…	…	PUNCT
cjfa-8202	156	24	169	169	NUM
cjfa-8202	156	25	lue	lue	NOUN
cjfa-8202	156	26	of	of	ADP
cjfa-8202	156	27	gfi	gfi	PROPN
cjfa-8202	156	28	.	.	PUNCT
cjfa-8202	157	1	the	the	PRON
cjfa-8202	157	2	closer	close	ADJ
cjfa-8202	157	3	the	the	DET
cjfa-8202	157	4	value	value	NOUN
cjfa-8202	157	5	of	of	ADP
cjfa-8202	157	6	gfi	gfi	PROPN
cjfa-8202	157	7	to	to	ADP
cjfa-8202	157	8	1	1	NUM
cjfa-8202	157	9	,	,	PUNCT
cjfa-8202	157	10	the	the	PRON
cjfa-8202	157	11	better	well	ADJ
cjfa-8202	157	12	the	the	DET
cjfa-8202	157	13	agreement	agreement	NOUN
cjfa-8202	157	14	the	the	DET
cjfa-8202	157	15	model	model	NOUN
cjfa-8202	157	16	has	have	VERB
cjfa-8202	157	17	(	(	PUNCT
cjfa-8202	157	18	hair	hair	NOUN
cjfa-8202	157	19	et	et	PROPN
cjfa-8202	157	20	al	al	PROPN
cjfa-8202	157	21	.	.	PROPN
cjfa-8202	157	22	1998	1998	NUM
cjfa-8202	157	23	,	,	PUNCT
cjfa-8202	157	24	387	387	NUM
cjfa-8202	157	25	)	)	PUNCT
cjfa-8202	157	26	.	.	PUNCT
cjfa-8202	158	1	good	good	ADJ
cjfa-8202	158	2	value	value	NOUN
cjfa-8202	158	3	of	of	ADP
cjfa-8202	158	4	gfi	gfi	PROPN
cjfa-8202	158	5	is	be	AUX
cjfa-8202	158	6	equal	equal	ADJ
cjfa-8202	158	7	to	to	ADP
cjfa-8202	158	8	or	or	CCONJ
cjfa-8202	158	9	greater	great	ADJ
cjfa-8202	158	10	than	than	ADP
cjfa-8202	158	11	0.90	0.90	NUM
cjfa-8202	158	12	.	.	PUNCT
cjfa-8202	159	1	d	d	X
cjfa-8202	159	2	)	)	PUNCT
cjfa-8202	159	3	adjusted	adjusted	ADJ
cjfa-8202	159	4	gfi	gfi	PROPN
cjfa-8202	159	5	(	(	PUNCT
cjfa-8202	159	6	agfi	agfi	PROPN
cjfa-8202	159	7	)	)	PUNCT
cjfa-8202	159	8	agfi	agfi	NOUN
cjfa-8202	159	9	is	be	AUX
cjfa-8202	159	10	an	an	DET
cjfa-8202	159	11	analogue	analogue	NOUN
cjfa-8202	159	12	of	of	ADP
cjfa-8202	159	13	r2	r2	PROPN
cjfa-8202	159	14	(	(	PUNCT
cjfa-8202	159	15	r	r	NOUN
cjfa-8202	159	16	square	square	NOUN
cjfa-8202	159	17	)	)	PUNCT
cjfa-8202	159	18	in	in	ADP
cjfa-8202	159	19	a	a	DET
cjfa-8202	159	20	multiple	multiple	ADJ
cjfa-8202	159	21	regression	regression	NOUN
cjfa-8202	159	22	.	.	PUNCT
cjfa-8202	160	1	fit	fit	ADJ
cjfa-8202	160	2	index	index	NOUN
cjfa-8202	160	3	can	can	AUX
cjfa-8202	160	4	adjust	adjust	VERB
cjfa-8202	160	5	the	the	DET
cjfa-8202	160	6	degree	degree	NOUN
cjfa-8202	160	7	of	of	ADP
cjfa-8202	160	8	freedom	freedom	NOUN
cjfa-8202	160	9	available	available	ADJ
cjfa-8202	160	10	to	to	PART
cjfa-8202	160	11	test	test	VERB
cjfa-8202	160	12	whether	whether	SCONJ
cjfa-8202	160	13	the	the	DET
cjfa-8202	160	14	model	model	NOUN
cjfa-8202	160	15	is	be	AUX
cjfa-8202	160	16	accepted	accept	VERB
cjfa-8202	160	17	.	.	PUNCT
cjfa-8202	161	1	amos	amos	PROPN
cjfa-8202	161	2	output	output	PROPN
cjfa-8202	161	3	results	result	NOUN
cjfa-8202	161	4	showed	show	VERB
cjfa-8202	161	5	that	that	SCONJ
cjfa-8202	161	6	the	the	DET
cjfa-8202	161	7	agfi	agfi	NOUN
cjfa-8202	161	8	has	have	VERB
cjfa-8202	161	9	coefficient	coefficient	NOUN
cjfa-8202	161	10	of	of	ADP
cjfa-8202	161	11	0.9347	0.9347	NUM
cjfa-8202	161	12	or	or	CCONJ
cjfa-8202	161	13	93.47	93.47	NUM
cjfa-8202	161	14	%	%	NOUN
cjfa-8202	161	15	.	.	PUNCT
cjfa-8202	162	1	an	an	DET
cjfa-8202	162	2	acceptance	acceptance	NOUN
cjfa-8202	162	3	rate	rate	NOUN
cjfa-8202	162	4	is	be	AUX
cjfa-8202	162	5	recommended	recommend	VERB
cjfa-8202	162	6	if	if	SCONJ
cjfa-8202	162	7	the	the	DET
cjfa-8202	162	8	value	value	NOUN
cjfa-8202	162	9	is	be	AUX
cjfa-8202	162	10	equal	equal	ADJ
cjfa-8202	162	11	to	to	ADP
cjfa-8202	162	12	or	or	CCONJ
cjfa-8202	162	13	greater	great	ADJ
cjfa-8202	162	14	than	than	ADP
cjfa-8202	162	15	0.9	0.9	NUM
cjfa-8202	162	16	.	.	PUNCT
cjfa-8202	163	1	e	e	X
cjfa-8202	163	2	)	)	PUNCT
cjfa-8202	163	3	tucker	tucker	PROPN
cjfa-8202	163	4	-	-	PUNCT
cjfa-8202	163	5	lewis	lewis	PROPN
cjfa-8202	163	6	index	index	NOUN
cjfa-8202	163	7	(	(	PUNCT
cjfa-8202	163	8	tli	tli	PROPN
cjfa-8202	163	9	)	)	PUNCT
cjfa-8202	163	10	tli	tli	PROPN
cjfa-8202	163	11	is	be	AUX
cjfa-8202	163	12	an	an	DET
cjfa-8202	163	13	alternative	alternative	ADJ
cjfa-8202	163	14	incremental	incremental	ADJ
cjfa-8202	163	15	fit	fit	ADJ
cjfa-8202	163	16	index	index	NOUN
cjfa-8202	163	17	that	that	PRON
cjfa-8202	163	18	compares	compare	VERB
cjfa-8202	163	19	a	a	DET
cjfa-8202	163	20	model	model	NOUN
cjfa-8202	163	21	that	that	PRON
cjfa-8202	163	22	is	be	AUX
cjfa-8202	163	23	tested	test	VERB
cjfa-8202	163	24	against	against	ADP
cjfa-8202	163	25	a	a	DET
cjfa-8202	163	26	baseline	baseline	NOUN
cjfa-8202	163	27	models	model	NOUN
cjfa-8202	163	28	.	.	PUNCT
cjfa-8202	164	1	it	it	PRON
cjfa-8202	164	2	is	be	AUX
cjfa-8202	164	3	a	a	DET
cjfa-8202	164	4	fit	fit	ADJ
cjfa-8202	164	5	index	index	NOUN
cjfa-8202	164	6	,	,	PUNCT
cjfa-8202	164	7	which	which	PRON
cjfa-8202	164	8	is	be	AUX
cjfa-8202	164	9	less	less	ADV
cjfa-8202	164	10	affected	affect	VERB
cjfa-8202	164	11	by	by	ADP
cjfa-8202	164	12	the	the	DET
cjfa-8202	164	13	sample	sample	NOUN
cjfa-8202	164	14	size	size	NOUN
cjfa-8202	164	15	.	.	PUNCT
cjfa-8202	165	1	a	a	DET
cjfa-8202	165	2	value	value	NOUN
cjfa-8202	165	3	closer	close	ADV
cjfa-8202	165	4	to	to	ADP
cjfa-8202	165	5	1	1	NUM
cjfa-8202	165	6	indicates	indicate	VERB
cjfa-8202	165	7	a	a	DET
cjfa-8202	165	8	very	very	ADV
cjfa-8202	165	9	good	good	ADJ
cjfa-8202	165	10	fit	fit	NOUN
cjfa-8202	165	11	.	.	PUNCT
cjfa-8202	166	1	from	from	ADP
cjfa-8202	166	2	the	the	DET
cjfa-8202	166	3	calculation	calculation	NOUN
cjfa-8202	166	4	in	in	ADP
cjfa-8202	166	5	this	this	DET
cjfa-8202	166	6	study	study	NOUN
cjfa-8202	166	7	,	,	PUNCT
cjfa-8202	166	8	amos	amos	PROPN
cjfa-8202	166	9	output	output	PROPN
cjfa-8202	166	10	results	result	NOUN
cjfa-8202	166	11	showed	show	VERB
cjfa-8202	166	12	that	that	SCONJ
cjfa-8202	166	13	the	the	DET
cjfa-8202	166	14	tli	tli	NOUN
cjfa-8202	166	15	has	have	VERB
cjfa-8202	166	16	coefficient	coefficient	NOUN
cjfa-8202	166	17	of	of	ADP
cjfa-8202	166	18	1.00	1.00	NUM
cjfa-8202	166	19	or	or	CCONJ
cjfa-8202	166	20	100	100	NUM
cjfa-8202	166	21	%	%	NOUN
cjfa-8202	166	22	.	.	PUNCT
cjfa-8202	167	1	an	an	DET
cjfa-8202	167	2	acceptance	acceptance	NOUN
cjfa-8202	167	3	rate	rate	NOUN
cjfa-8202	167	4	is	be	AUX
cjfa-8202	167	5	recommended	recommend	VERB
cjfa-8202	167	6	if	if	SCONJ
cjfa-8202	167	7	the	the	DET
cjfa-8202	167	8	value	value	NOUN
cjfa-8202	167	9	is	be	AUX
cjfa-8202	167	10	equal	equal	ADJ
cjfa-8202	167	11	to	to	ADP
cjfa-8202	167	12	or	or	CCONJ
cjfa-8202	167	13	greater	great	ADJ
cjfa-8202	167	14	than	than	ADP
cjfa-8202	167	15	0.9	0.9	NUM
cjfa-8202	167	16	.	.	PUNCT
cjfa-8202	168	1	f	f	X
cjfa-8202	168	2	)	)	PUNCT
cjfa-8202	168	3	cfi	cfi	NOUN
cjfa-8202	168	4	(	(	PUNCT
cjfa-8202	168	5	comparative	comparative	ADJ
cjfa-8202	168	6	fit	fit	ADJ
cjfa-8202	168	7	index	index	NOUN
cjfa-8202	168	8	)	)	PUNCT
cjfa-8202	168	9	cfi	cfi	PROPN
cjfa-8202	168	10	,	,	PUNCT
cjfa-8202	168	11	which	which	PRON
cjfa-8202	168	12	is	be	AUX
cjfa-8202	168	13	known	know	VERB
cjfa-8202	168	14	as	as	ADP
cjfa-8202	168	15	the	the	DET
cjfa-8202	168	16	bentler	bentler	NOUN
cjfa-8202	168	17	comparative	comparative	PROPN
cjfa-8202	168	18	index	index	NOUN
cjfa-8202	168	19	,	,	PUNCT
cjfa-8202	168	20	is	be	AUX
cjfa-8202	168	21	an	an	DET
cjfa-8202	168	22	incremental	incremental	ADJ
cjfa-8202	168	23	suitability	suitability	NOUN
cjfa-8202	168	24	indices	index	NOUN
cjfa-8202	168	25	,	,	PUNCT
cjfa-8202	168	26	which	which	PRON
cjfa-8202	168	27	compare	compare	VERB
cjfa-8202	168	28	the	the	DET
cjfa-8202	168	29	null	null	ADJ
cjfa-8202	168	30	model	model	NOUN
cjfa-8202	168	31	,	,	PUNCT
cjfa-8202	168	32	tested	test	VERB
cjfa-8202	168	33	and	and	CCONJ
cjfa-8202	168	34	estimated	estimated	ADJ
cjfa-8202	168	35	models	model	NOUN
cjfa-8202	168	36	.	.	PUNCT
cjfa-8202	169	1	hair	hair	NOUN
cjfa-8202	169	2	et	et	PROPN
cjfa-8202	169	3	al	al	PROPN
cjfa-8202	169	4	.	.	PUNCT
cjfa-8202	170	1	(	(	PUNCT
cjfa-8202	170	2	1998	1998	NUM
cjfa-8202	170	3	,	,	PUNCT
cjfa-8202	170	4	289	289	NUM
cjfa-8202	170	5	)	)	PUNCT
cjfa-8202	170	6	stated	state	VERB
cjfa-8202	170	7	that	that	SCONJ
cjfa-8202	170	8	cfi	cfi	PROPN
cjfa-8202	170	9	is	be	AUX
cjfa-8202	170	10	a	a	DET
cjfa-8202	170	11	good	good	ADJ
cjfa-8202	170	12	index	index	NOUN
cjfa-8202	170	13	to	to	PART
cjfa-8202	170	14	measure	measure	VERB
cjfa-8202	170	15	the	the	DET
cjfa-8202	170	16	suitability	suitability	NOUN
cjfa-8202	170	17	of	of	ADP
cjfa-8202	170	18	a	a	DET
cjfa-8202	170	19	model	model	NOUN
cjfa-8202	170	20	because	because	SCONJ
cjfa-8202	170	21	it	it	PRON
cjfa-8202	170	22	is	be	AUX
cjfa-8202	170	23	not	not	PART
cjfa-8202	170	24	affected	affect	VERB
cjfa-8202	170	25	by	by	ADP
cjfa-8202	170	26	sample	sample	NOUN
cjfa-8202	170	27	size	size	NOUN
cjfa-8202	170	28	.	.	PUNCT
cjfa-8202	171	1	the	the	DET
cjfa-8202	171	2	value	value	NOUN
cjfa-8202	171	3	of	of	ADP
cjfa-8202	171	4	cfi	cfi	NOUN
cjfa-8202	171	5	which	which	PRON
cjfa-8202	171	6	is	be	AUX
cjfa-8202	171	7	equal	equal	ADJ
cjfa-8202	171	8	to	to	ADP
cjfa-8202	171	9	or	or	CCONJ
cjfa-8202	171	10	greater	great	ADJ
cjfa-8202	171	11	than	than	ADP
cjfa-8202	171	12	0.90	0.90	NUM
cjfa-8202	171	13	means	mean	VERB
cjfa-8202	171	14	that	that	SCONJ
cjfa-8202	171	15	the	the	DET
cjfa-8202	171	16	model	model	NOUN
cjfa-8202	171	17	is	be	AUX
cjfa-8202	171	18	good	good	ADJ
cjfa-8202	171	19	.	.	PUNCT
cjfa-8202	172	1	in	in	ADP
cjfa-8202	172	2	this	this	DET
cjfa-8202	172	3	research	research	NOUN
cjfa-8202	172	4	,	,	PUNCT
cjfa-8202	172	5	amos	amos	PROPN
cjfa-8202	172	6	output	output	PROPN
cjfa-8202	172	7	results	result	NOUN
cjfa-8202	172	8	showed	show	VERB
cjfa-8202	172	9	that	that	SCONJ
cjfa-8202	172	10	the	the	DET
cjfa-8202	172	11	cfi	cfi	NOUN
cjfa-8202	172	12	coefficient	coefficient	NOUN
cjfa-8202	172	13	is	be	AUX
cjfa-8202	172	14	1.00	1.00	NUM
cjfa-8202	172	15	or	or	CCONJ
cjfa-8202	172	16	100	100	NUM
cjfa-8202	172	17	%	%	NOUN
cjfa-8202	172	18	,	,	PUNCT
cjfa-8202	172	19	which	which	PRON
cjfa-8202	172	20	means	mean	VERB
cjfa-8202	172	21	that	that	SCONJ
cjfa-8202	172	22	the	the	DET
cjfa-8202	172	23	model	model	NOUN
cjfa-8202	172	24	is	be	AUX
cjfa-8202	172	25	a	a	DET
cjfa-8202	172	26	good	good	ADJ
cjfa-8202	172	27	model	model	NOUN
cjfa-8202	172	28	.	.	PUNCT
cjfa-8202	173	1	g	g	NOUN
cjfa-8202	173	2	)	)	PUNCT
cjfa-8202	173	3	rmsea	rmsea	NOUN
cjfa-8202	173	4	(	(	PUNCT
cjfa-8202	173	5	root	root	NOUN
cjfa-8202	173	6	mean	mean	VERB
cjfa-8202	173	7	square	square	ADJ
cjfa-8202	173	8	error	error	NOUN
cjfa-8202	173	9	of	of	ADP
cjfa-8202	173	10	approximation	approximation	NOUN
cjfa-8202	173	11	)	)	PUNCT
cjfa-8202	173	12	rmsea	rmsea	NOUN
cjfa-8202	173	13	values	value	NOUN
cjfa-8202	173	14	indicate	indicate	VERB
cjfa-8202	173	15	the	the	DET
cjfa-8202	173	16	goodness	goodness	NOUN
cjfa-8202	173	17	of	of	ADP
cjfa-8202	173	18	fit	fit	NOUN
cjfa-8202	173	19	expected	expect	VERB
cjfa-8202	173	20	when	when	SCONJ
cjfa-8202	173	21	the	the	DET
cjfa-8202	173	22	model	model	NOUN
cjfa-8202	173	23	is	be	AUX
cjfa-8202	173	24	estimated	estimate	VERB
cjfa-8202	173	25	in	in	ADP
cjfa-8202	173	26	the	the	DET
cjfa-8202	173	27	population	population	NOUN
cjfa-8202	173	28	.	.	PUNCT
cjfa-8202	174	1	rmsea	rmsea	NOUN
cjfa-8202	174	2	is	be	AUX
cjfa-8202	174	3	an	an	DET
cjfa-8202	174	4	index	index	NOUN
cjfa-8202	174	5	of	of	ADP
cjfa-8202	174	6	measurement	measurement	NOUN
cjfa-8202	174	7	that	that	PRON
cjfa-8202	174	8	is	be	AUX
cjfa-8202	174	9	not	not	PART
cjfa-8202	174	10	influenced	influence	VERB
cjfa-8202	174	11	by	by	ADP
cjfa-8202	174	12	the	the	DET
cjfa-8202	174	13	size	size	NOUN
cjfa-8202	174	14	of	of	ADP
cjfa-8202	174	15	the	the	DET
cjfa-8202	174	16	sample	sample	NOUN
cjfa-8202	174	17	so	so	SCONJ
cjfa-8202	174	18	that	that	SCONJ
cjfa-8202	174	19	the	the	DET
cjfa-8202	174	20	index	index	NOUN
cjfa-8202	174	21	is	be	AUX
cjfa-8202	174	22	usually	usually	ADV
cjfa-8202	174	23	used	use	VERB
cjfa-8202	174	24	to	to	PART
cjfa-8202	174	25	measure	measure	VERB
cjfa-8202	174	26	the	the	DET
cjfa-8202	174	27	fit	fit	ADJ
cjfa-8202	174	28	model	model	NOUN
cjfa-8202	174	29	on	on	ADP
cjfa-8202	174	30	large	large	ADJ
cjfa-8202	174	31	sample	sample	NOUN
cjfa-8202	174	32	numbers	number	NOUN
cjfa-8202	174	33	.	.	PUNCT
cjfa-8202	175	1	for	for	SCONJ
cjfa-8202	175	2	a	a	DET
cjfa-8202	175	3	model	model	NOUN
cjfa-8202	175	4	to	to	PART
cjfa-8202	175	5	be	be	AUX
cjfa-8202	175	6	acceptable	acceptable	ADJ
cjfa-8202	175	7	,	,	PUNCT
cjfa-8202	175	8	the	the	DET
cjfa-8202	175	9	rmsea	rmsea	NOUN
cjfa-8202	175	10	index	index	NOUN
cjfa-8202	175	11	should	should	AUX
cjfa-8202	175	12	be	be	AUX
cjfa-8202	175	13	less	less	ADJ
cjfa-8202	175	14	than	than	ADP
cjfa-8202	175	15	or	or	CCONJ
cjfa-8202	175	16	equal	equal	ADJ
cjfa-8202	175	17	to	to	ADP
cjfa-8202	175	18	0.08	0.08	NUM
cjfa-8202	175	19	or	or	CCONJ
cjfa-8202	175	20	8.0	8.0	NUM
cjfa-8202	175	21	%	%	NOUN
cjfa-8202	175	22	.	.	PUNCT
cjfa-8202	176	1	from	from	ADP
cjfa-8202	176	2	the	the	DET
cjfa-8202	176	3	calculation	calculation	NOUN
cjfa-8202	176	4	in	in	ADP
cjfa-8202	176	5	this	this	DET
cjfa-8202	176	6	study	study	NOUN
cjfa-8202	176	7	,	,	PUNCT
cjfa-8202	176	8	amos	amos	PROPN
cjfa-8202	176	9	output	output	PROPN
cjfa-8202	176	10	results	result	NOUN
cjfa-8202	176	11	showed	show	VERB
cjfa-8202	176	12	the	the	DET
cjfa-8202	176	13	rmsea	rmsea	NOUN
cjfa-8202	176	14	index	index	NOUN
cjfa-8202	176	15	is	be	AUX
cjfa-8202	176	16	0.00	0.00	NUM
cjfa-8202	176	17	or	or	CCONJ
cjfa-8202	176	18	0	0	NUM
cjfa-8202	176	19	%	%	NOUN
cjfa-8202	176	20	.	.	PUNCT
cjfa-8202	177	1	this	this	PRON
cjfa-8202	177	2	means	mean	VERB
cjfa-8202	177	3	that	that	SCONJ
cjfa-8202	177	4	the	the	DET
cjfa-8202	177	5	model	model	NOUN
cjfa-8202	177	6	showed	show	VERB
cjfa-8202	177	7	a	a	DET
cjfa-8202	177	8	close	close	ADJ
cjfa-8202	177	9	fit	fit	NOUN
cjfa-8202	177	10	,	,	PUNCT
cjfa-8202	177	11	and	and	CCONJ
cjfa-8202	177	12	it	it	PRON
cjfa-8202	177	13	was	be	AUX
cjfa-8202	177	14	based	base	VERB
cjfa-8202	177	15	on	on	ADP
cjfa-8202	177	16	the	the	DET
cjfa-8202	177	17	degree	degree	NOUN
cjfa-8202	177	18	of	of	ADP
cjfa-8202	177	19	freedom	freedom	NOUN
cjfa-8202	177	20	.	.	PUNCT
cjfa-8202	178	1	the	the	DET
cjfa-8202	178	2	indices	index	NOUN
cjfa-8202	178	3	that	that	PRON
cjfa-8202	178	4	are	be	AUX
cjfa-8202	178	5	used	use	VERB
cjfa-8202	178	6	to	to	PART
cjfa-8202	178	7	test	test	VERB
cjfa-8202	178	8	the	the	DET
cjfa-8202	178	9	feasibility	feasibility	NOUN
cjfa-8202	178	10	of	of	ADP
cjfa-8202	178	11	a	a	DET
cjfa-8202	178	12	model	model	NOUN
cjfa-8202	178	13	can	can	AUX
cjfa-8202	178	14	be	be	AUX
cjfa-8202	178	15	summarized	summarize	VERB
cjfa-8202	178	16	in	in	ADP
cjfa-8202	178	17	the	the	DET
cjfa-8202	178	18	table	table	NOUN
cjfa-8202	178	19	below	below	ADV
cjfa-8202	178	20	.	.	PUNCT
cjfa-8202	179	1	tigor	tigor	VERB
cjfa-8202	179	2	sitorus170	sitorus170	DET
cjfa-8202	179	3	table	table	NOUN
cjfa-8202	179	4	1	1	NUM
cjfa-8202	179	5	.	.	PUNCT
cjfa-8202	180	1	goodness	goodness	NOUN
cjfa-8202	180	2	of	of	ADP
cjfa-8202	180	3	fit	fit	ADJ
cjfa-8202	180	4	model	model	NOUN
cjfa-8202	180	5	loan	loan	NOUN
cjfa-8202	180	6	exposure	exposure	NOUN
cjfa-8202	180	7	valuation	valuation	NOUN
cjfa-8202	180	8	,	,	PUNCT
cjfa-8202	180	9	risk	risk	NOUN
cjfa-8202	180	10	weighted	weight	VERB
cjfa-8202	180	11	asset	asset	NOUN
cjfa-8202	180	12	,	,	PUNCT
cjfa-8202	180	13	credit	credit	NOUN
cjfa-8202	180	14	default	default	NOUN
cjfa-8202	180	15	goodness	goodness	NOUN
cjfa-8202	180	16	of	of	ADP
cjfa-8202	180	17	fit	fit	ADJ
cjfa-8202	180	18	index	index	NOUN
cjfa-8202	180	19	cut	cut	VERB
cjfa-8202	180	20	off	off	ADP
cjfa-8202	180	21	value	value	NOUN
cjfa-8202	180	22	result	result	NOUN
cjfa-8202	180	23	evaluation	evaluation	NOUN
cjfa-8202	180	24	model	model	NOUN
cjfa-8202	180	25	χ2	χ2	PROPN
cjfa-8202	180	26	chi	chi	PROPN
cjfa-8202	180	27	square	square	PROPN
cjfa-8202	180	28	<	<	X
cjfa-8202	180	29	591	591	NUM
cjfa-8202	180	30	3,328	3,328	NUM
cjfa-8202	180	31	good	good	ADJ
cjfa-8202	180	32	hoelter	hoelter	NOUN
cjfa-8202	180	33	(	(	PUNCT
cjfa-8202	180	34	0.05	0.05	NUM
cjfa-8202	180	35	)	)	PUNCT
cjfa-8202	180	36	>	>	X
cjfa-8202	181	1	120	120	NUM
cjfa-8202	181	2	212	212	NUM
cjfa-8202	181	3	good	good	ADJ
cjfa-8202	181	4	significance	significance	NOUN
cjfa-8202	181	5	probability	probability	NOUN
cjfa-8202	181	6	≥	≥	NOUN
cjfa-8202	181	7	0,05	0,05	NOUN
cjfa-8202	181	8	0,5053	0,5053	NOUN
cjfa-8202	181	9	good	good	ADJ
cjfa-8202	181	10	gfi	gfi	PROPN
cjfa-8202	181	11	≥	≥	NOUN
cjfa-8202	181	12	0,90	0,90	PUNCT
cjfa-8202	182	1	0,9826	0,9826	PROPN
cjfa-8202	182	2	good	good	ADJ
cjfa-8202	182	3	agfi	agfi	PROPN
cjfa-8202	182	4	≥	≥	NOUN
cjfa-8202	182	5	0,90	0,90	X
cjfa-8202	183	1	0,9347	0,9347	ADJ
cjfa-8202	183	2	good	good	ADJ
cjfa-8202	183	3	cmin	cmin	PROPN
cjfa-8202	183	4	/	/	SYM
cjfa-8202	183	5	df	df	PROPN
cjfa-8202	183	6	≤	≤	NUM
cjfa-8202	183	7	2,00	2,00	NUM
cjfa-8202	183	8	0,8307	0,8307	NOUN
cjfa-8202	183	9	good	good	ADJ
cjfa-8202	183	10	tli	tli	X
cjfa-8202	183	11	≥	≥	NOUN
cjfa-8202	183	12	0,90	0,90	NOUN
cjfa-8202	184	1	1,000	1,000	NUM
cjfa-8202	184	2	good	good	ADJ
cjfa-8202	184	3	cfi	cfi	PROPN
cjfa-8202	184	4	≥	≥	NOUN
cjfa-8202	184	5	0,90	0,90	NOUN
cjfa-8202	184	6	1,000	1,000	NUM
cjfa-8202	184	7	good	good	ADJ
cjfa-8202	184	8	rmsea	rmsea	NOUN
cjfa-8202	184	9	≤	≤	NUM
cjfa-8202	184	10	0,08	0,08	NUM
cjfa-8202	184	11	0,000	0,000	NUM
cjfa-8202	185	1	good	good	ADJ
cjfa-8202	185	2	s	s	X
cjfa-8202	185	3	o	o	NOUN
cjfa-8202	185	4	u	u	NOUN
cjfa-8202	185	5	r	r	NOUN
cjfa-8202	185	6	c	c	NOUN
cjfa-8202	185	7	e	e	NOUN
cjfa-8202	185	8	:	:	PUNCT
cjfa-8202	185	9	results	result	VERB
cjfa-8202	185	10	output	output	VERB
cjfa-8202	185	11	full	full	ADJ
cjfa-8202	185	12	amos	amos	PROPN
cjfa-8202	185	13	21:00	21:00	NUM
cjfa-8202	185	14	.	.	PUNCT
cjfa-8202	185	15	table	table	NOUN
cjfa-8202	185	16	2	2	NUM
cjfa-8202	185	17	.	.	PUNCT
cjfa-8202	186	1	the	the	DET
cjfa-8202	186	2	effect	effect	NOUN
cjfa-8202	186	3	on	on	ADP
cjfa-8202	186	4	loan	loan	NOUN
cjfa-8202	186	5	exposure	exposure	NOUN
cjfa-8202	186	6	valuation	valuation	NOUN
cjfa-8202	186	7	towards	towards	ADP
cjfa-8202	186	8	credit	credit	NOUN
cjfa-8202	186	9	default	default	NOUN
cjfa-8202	186	10	estimate	estimate	NOUN
cjfa-8202	186	11	s.e	s.e	PROPN
cjfa-8202	186	12	.	.	PROPN
cjfa-8202	186	13	c.r	c.r	PROPN
cjfa-8202	186	14	.	.	PUNCT
cjfa-8202	187	1	p	p	PROPN
cjfa-8202	187	2	atmr	atmr	ADJ
cjfa-8202	187	3	<	<	X
cjfa-8202	187	4	--exp	--exp	PROPN
cjfa-8202	187	5	,	,	PUNCT
cjfa-8202	187	6	9562	9562	NUM
cjfa-8202	187	7	,	,	PUNCT
cjfa-8202	187	8	0468	0468	NUM
cjfa-8202	187	9	20,4234	20,4234	NUM
cjfa-8202	187	10	*	*	PUNCT
cjfa-8202	187	11	*	*	PUNCT
cjfa-8202	187	12	*	*	PUNCT
cjfa-8202	187	13	crd	crd	PROPN
cjfa-8202	187	14	<	<	X
cjfa-8202	187	15	--exp	--exp	PROPN
cjfa-8202	187	16	1,0000	1,0000	NUM
cjfa-8202	187	17	efek	efek	NOUN
cjfa-8202	187	18	<	<	X
cjfa-8202	187	19	--exp	--exp	X
cjfa-8202	187	20	,	,	PUNCT
cjfa-8202	187	21	0803	0803	NUM
cjfa-8202	187	22	,	,	PUNCT
cjfa-8202	187	23	0106	0106	NUM
cjfa-8202	187	24	7,5742	7,5742	NUM
cjfa-8202	187	25	*	*	PUNCT
cjfa-8202	187	26	*	*	PUNCT
cjfa-8202	187	27	*	*	PUNCT
cjfa-8202	187	28	plc	plc	PROPN
cjfa-8202	187	29	<	<	PROPN
cjfa-8202	187	30	--exp	--exp	PROPN
cjfa-8202	187	31	,	,	PUNCT
cjfa-8202	187	32	1757	1757	NUM
cjfa-8202	187	33	,	,	PUNCT
cjfa-8202	187	34	0134	0134	NUM
cjfa-8202	187	35	13,1096	13,1096	NUM
cjfa-8202	187	36	*	*	PUNCT
cjfa-8202	187	37	*	*	PUNCT
cjfa-8202	187	38	*	*	PUNCT
cjfa-8202	187	39	npl	npl	X
cjfa-8202	187	40	<	<	X
cjfa-8202	187	41	--exp	--exp	X
cjfa-8202	187	42	,	,	PUNCT
cjfa-8202	187	43	0094	0094	NUM
cjfa-8202	187	44	,	,	PUNCT
cjfa-8202	187	45	0126	0126	NUM
cjfa-8202	187	46	,	,	PUNCT
cjfa-8202	187	47	7480	7480	NUM
cjfa-8202	187	48	,	,	PUNCT
cjfa-8202	187	49	4545	4545	NUM
cjfa-8202	187	50	npl	npl	X
cjfa-8202	187	51	<	<	X
cjfa-8202	187	52	--atmr	--atmr	NUM
cjfa-8202	187	53	,	,	PUNCT
cjfa-8202	187	54	0209	0209	NUM
cjfa-8202	187	55	,	,	PUNCT
cjfa-8202	187	56	0124	0124	NUM
cjfa-8202	187	57	1,6818	1,6818	NUM
cjfa-8202	187	58	,	,	PUNCT
cjfa-8202	187	59	0092	0092	NUM
cjfa-8202	187	60	s	s	PART
cjfa-8202	187	61	o	o	X
cjfa-8202	187	62	u	u	NOUN
cjfa-8202	187	63	r	r	NOUN
cjfa-8202	187	64	c	c	NOUN
cjfa-8202	187	65	e	e	NOUN
cjfa-8202	187	66	:	:	PUNCT
cjfa-8202	187	67	amos	amos	PROPN
cjfa-8202	187	68	ver	ver	PROPN
cjfa-8202	187	69	.	.	PROPN
cjfa-8202	188	1	21.00	21.00	NUM
cjfa-8202	188	2	.	.	PUNCT
cjfa-8202	189	1	notes	note	NOUN
cjfa-8202	189	2	:	:	PUNCT
cjfa-8202	189	3	atmr	atmr	ADJ
cjfa-8202	189	4	=	=	NOUN
cjfa-8202	189	5	risk	risk	NOUN
cjfa-8202	189	6	weighted	weight	VERB
cjfa-8202	189	7	asset	asset	NOUN
cjfa-8202	189	8	exp	exp	NOUN
cjfa-8202	189	9	=	=	NOUN
cjfa-8202	189	10	loan	loan	NOUN
cjfa-8202	189	11	exposure	exposure	NOUN
cjfa-8202	189	12	crd	crd	PROPN
cjfa-8202	189	13	=	=	NOUN
cjfa-8202	189	14	credit	credit	NOUN
cjfa-8202	189	15	realized	realize	VERB
cjfa-8202	189	16	efek	efek	NOUN
cjfa-8202	189	17	=	=	SYM
cjfa-8202	189	18	investment	investment	NOUN
cjfa-8202	189	19	plc	plc	PROPN
cjfa-8202	189	20	=	=	PROPN
cjfa-8202	189	21	placement	placement	NOUN
cjfa-8202	189	22	npl	npl	NOUN
cjfa-8202	189	23	=	=	PUNCT
cjfa-8202	189	24	non	non	X
cjfa-8202	189	25	performing	perform	VERB
cjfa-8202	189	26	loan	loan	NOUN
cjfa-8202	189	27	the	the	DET
cjfa-8202	189	28	study	study	NOUN
cjfa-8202	189	29	of	of	ADP
cjfa-8202	189	30	risk	risk	NOUN
cjfa-8202	189	31	-	-	PUNCT
cjfa-8202	189	32	weighted	weight	VERB
cjfa-8202	189	33	assets	asset	NOUN
cjfa-8202	189	34	on	on	ADP
cjfa-8202	189	35	the	the	DET
cjfa-8202	189	36	effects	effect	NOUN
cjfa-8202	189	37	of	of	ADP
cjfa-8202	189	38	loan	loan	NOUN
cjfa-8202	189	39	…	…	PUNCT
cjfa-8202	189	40	171	171	NUM
cjfa-8202	189	41	4.2	4.2	NUM
cjfa-8202	189	42	.	.	PUNCT
cjfa-8202	190	1	hypotheses	hypothesis	NOUN
cjfa-8202	190	2	testing	test	VERB
cjfa-8202	190	3	figure	figure	NOUN
cjfa-8202	190	4	1	1	NUM
cjfa-8202	190	5	.	.	PUNCT
cjfa-8202	190	6	pictograph	pictograph	NOUN
cjfa-8202	190	7	on	on	ADP
cjfa-8202	190	8	loan	loan	NOUN
cjfa-8202	190	9	exposure	exposure	NOUN
cjfa-8202	190	10	valuation	valuation	NOUN
cjfa-8202	190	11	,	,	PUNCT
cjfa-8202	190	12	risk	risk	NOUN
cjfa-8202	190	13	weighted	weight	VERB
cjfa-8202	190	14	asset	asset	NOUN
cjfa-8202	190	15	,	,	PUNCT
cjfa-8202	190	16	credit	credit	NOUN
cjfa-8202	190	17	default	default	NOUN
cjfa-8202	190	18	fit	fit	ADJ
cjfa-8202	190	19	model	model	NOUN
cjfa-8202	190	20	tested	test	VERB
cjfa-8202	190	21	:	:	PUNCT
cjfa-8202	190	22	χ2	χ2	PROPN
cjfa-8202	190	23	chi	chi	PROPN
cjfa-8202	190	24	square	square	PROPN
cjfa-8202	190	25	=	=	PUNCT
cjfa-8202	190	26	3,328	3,328	NUM
cjfa-8202	190	27	significance	significance	NOUN
cjfa-8202	190	28	probability	probability	NOUN
cjfa-8202	190	29	=	=	SYM
cjfa-8202	190	30	0,5053	0,5053	NOUN
cjfa-8202	191	1	gfi	gfi	PROPN
cjfa-8202	191	2	=	=	PROPN
cjfa-8202	191	3	0,9826	0,9826	PROPN
cjfa-8202	191	4	agfi	agfi	NOUN
cjfa-8202	191	5	=	=	PUNCT
cjfa-8202	191	6	0,9347	0,9347	PROPN
cjfa-8202	191	7	cmin	cmin	PROPN
cjfa-8202	191	8	/	/	SYM
cjfa-8202	191	9	df	df	PROPN
cjfa-8202	191	10	=	=	PUNCT
cjfa-8202	191	11	0,8307	0,8307	NOUN
cjfa-8202	191	12	tli	tli	X
cjfa-8202	191	13	=	=	SYM
cjfa-8202	191	14	1,0000	1,0000	NUM
cjfa-8202	191	15	cfi	cfi	NOUN
cjfa-8202	191	16	=	=	SYM
cjfa-8202	191	17	1,0000	1,0000	NUM
cjfa-8202	191	18	rmsea	rmsea	NOUN
cjfa-8202	191	19	=	=	NOUN
cjfa-8202	192	1	0,0000	0,0000	NUM
cjfa-8202	192	2	s	s	PART
cjfa-8202	193	1	o	o	X
cjfa-8202	193	2	u	u	NOUN
cjfa-8202	193	3	r	r	NOUN
cjfa-8202	193	4	c	c	NOUN
cjfa-8202	193	5	e	e	NOUN
cjfa-8202	193	6	:	:	PUNCT
cjfa-8202	193	7	amos	amos	PROPN
cjfa-8202	193	8	ver	ver	PROPN
cjfa-8202	193	9	.	.	PROPN
cjfa-8202	194	1	21.00	21.00	NUM
cjfa-8202	194	2	.	.	PUNCT
cjfa-8202	194	3	hypothesis	hypothesis	NOUN
cjfa-8202	194	4	1	1	NUM
cjfa-8202	194	5	:	:	PUNCT
cjfa-8202	194	6	loan	loan	NOUN
cjfa-8202	194	7	exposure	exposure	NOUN
cjfa-8202	194	8	has	have	VERB
cjfa-8202	194	9	positive	positive	ADJ
cjfa-8202	194	10	effect	effect	NOUN
cjfa-8202	194	11	on	on	ADP
cjfa-8202	194	12	credit	credit	NOUN
cjfa-8202	194	13	default	default	NOUN
cjfa-8202	194	14	the	the	DET
cjfa-8202	194	15	statistical	statistical	ADJ
cjfa-8202	194	16	tests	test	NOUN
cjfa-8202	194	17	on	on	ADP
cjfa-8202	194	18	this	this	DET
cjfa-8202	194	19	hypothesis	hypothesis	NOUN
cjfa-8202	194	20	(	(	PUNCT
cjfa-8202	194	21	table	table	NOUN
cjfa-8202	194	22	2	2	NUM
cjfa-8202	194	23	)	)	PUNCT
cjfa-8202	194	24	showed	show	VERB
cjfa-8202	194	25	that	that	SCONJ
cjfa-8202	194	26	loan	loan	NOUN
cjfa-8202	194	27	exposure	exposure	NOUN
cjfa-8202	194	28	has	have	VERB
cjfa-8202	194	29	the	the	DET
cjfa-8202	194	30	positive	positive	ADJ
cjfa-8202	194	31	coefficient	coefficient	NOUN
cjfa-8202	194	32	of	of	ADP
cjfa-8202	194	33	0.0094	0.0094	NUM
cjfa-8202	194	34	on	on	ADP
cjfa-8202	194	35	influencing	influence	VERB
cjfa-8202	194	36	the	the	DET
cjfa-8202	194	37	credit	credit	NOUN
cjfa-8202	194	38	default	default	NOUN
cjfa-8202	194	39	despite	despite	SCONJ
cjfa-8202	194	40	the	the	DET
cjfa-8202	194	41	fact	fact	NOUN
cjfa-8202	194	42	that	that	SCONJ
cjfa-8202	194	43	it	it	PRON
cjfa-8202	194	44	is	be	AUX
cjfa-8202	194	45	not	not	PART
cjfa-8202	194	46	quite	quite	ADV
cjfa-8202	194	47	significant	significant	ADJ
cjfa-8202	194	48	.	.	PUNCT
cjfa-8202	195	1	on	on	ADP
cjfa-8202	195	2	the	the	DET
cjfa-8202	195	3	other	other	ADJ
cjfa-8202	195	4	hand	hand	NOUN
cjfa-8202	195	5	,	,	PUNCT
cjfa-8202	195	6	the	the	DET
cjfa-8202	195	7	value	value	NOUN
cjfa-8202	195	8	of	of	ADP
cjfa-8202	195	9	p	p	NOUN
cjfa-8202	195	10	is	be	AUX
cjfa-8202	195	11	0.4545	0.4545	NUM
cjfa-8202	195	12	,	,	PUNCT
cjfa-8202	195	13	which	which	PRON
cjfa-8202	195	14	is	be	AUX
cjfa-8202	195	15	greater	great	ADJ
cjfa-8202	195	16	than	than	ADP
cjfa-8202	195	17	0.05	0.05	NUM
cjfa-8202	195	18	.	.	PUNCT
cjfa-8202	196	1	this	this	PRON
cjfa-8202	196	2	means	mean	VERB
cjfa-8202	196	3	that	that	SCONJ
cjfa-8202	196	4	hypothesis	hypothesis	NOUN
cjfa-8202	196	5	1	1	NUM
cjfa-8202	196	6	is	be	AUX
cjfa-8202	196	7	not	not	PART
cjfa-8202	196	8	accepted	accept	VERB
cjfa-8202	196	9	.	.	PUNCT
cjfa-8202	197	1	in	in	ADP
cjfa-8202	197	2	othtigor	othtigor	ADJ
cjfa-8202	197	3	sitorus172	sitorus172	NOUN
cjfa-8202	197	4	er	er	INTJ
cjfa-8202	197	5	words	word	NOUN
cjfa-8202	197	6	,	,	PUNCT
cjfa-8202	197	7	it	it	PRON
cjfa-8202	197	8	can	can	AUX
cjfa-8202	197	9	be	be	AUX
cjfa-8202	197	10	concluded	conclude	VERB
cjfa-8202	197	11	that	that	SCONJ
cjfa-8202	197	12	loan	loan	NOUN
cjfa-8202	197	13	exposure	exposure	NOUN
cjfa-8202	197	14	valuation	valuation	NOUN
cjfa-8202	197	15	has	have	VERB
cjfa-8202	197	16	no	no	DET
cjfa-8202	197	17	significant	significant	ADJ
cjfa-8202	197	18	effect	effect	NOUN
cjfa-8202	197	19	on	on	ADP
cjfa-8202	197	20	credit	credit	NOUN
cjfa-8202	197	21	default	default	NOUN
cjfa-8202	197	22	.	.	PUNCT
cjfa-8202	198	1	this	this	DET
cjfa-8202	198	2	study	study	NOUN
cjfa-8202	198	3	provides	provide	VERB
cjfa-8202	198	4	support	support	NOUN
cjfa-8202	198	5	for	for	ADP
cjfa-8202	198	6	the	the	DET
cjfa-8202	198	7	study	study	NOUN
cjfa-8202	198	8	conducted	conduct	VERB
cjfa-8202	198	9	by	by	ADP
cjfa-8202	198	10	aziz	aziz	PROPN
cjfa-8202	198	11	and	and	CCONJ
cjfa-8202	198	12	charupat	charupat	NOUN
cjfa-8202	198	13	(	(	PUNCT
cjfa-8202	198	14	1998	1998	NUM
cjfa-8202	198	15	)	)	PUNCT
cjfa-8202	198	16	which	which	PRON
cjfa-8202	198	17	stated	state	VERB
cjfa-8202	198	18	that	that	SCONJ
cjfa-8202	198	19	calculating	calculate	VERB
cjfa-8202	198	20	credit	credit	NOUN
cjfa-8202	198	21	exposure	exposure	NOUN
cjfa-8202	198	22	using	use	VERB
cjfa-8202	198	23	monte	monte	PROPN
cjfa-8202	198	24	carlo	carlo	PROPN
cjfa-8202	198	25	simulation	simulation	PROPN
cjfa-8202	198	26	has	have	VERB
cjfa-8202	198	27	significant	significant	ADJ
cjfa-8202	198	28	effect	effect	NOUN
cjfa-8202	198	29	in	in	ADP
cjfa-8202	198	30	setting	set	VERB
cjfa-8202	198	31	capital	capital	NOUN
cjfa-8202	198	32	reserves	reserve	NOUN
cjfa-8202	198	33	.	.	PUNCT
cjfa-8202	199	1	this	this	DET
cjfa-8202	199	2	study	study	NOUN
cjfa-8202	199	3	differs	differ	VERB
cjfa-8202	199	4	from	from	ADP
cjfa-8202	199	5	the	the	DET
cjfa-8202	199	6	research	research	NOUN
cjfa-8202	199	7	conducted	conduct	VERB
cjfa-8202	199	8	by	by	ADP
cjfa-8202	199	9	duffie	duffie	NOUN
cjfa-8202	199	10	and	and	CCONJ
cjfa-8202	199	11	singleton	singleton	PROPN
cjfa-8202	199	12	(	(	PUNCT
cjfa-8202	199	13	1999	1999	NUM
cjfa-8202	199	14	)	)	PUNCT
cjfa-8202	199	15	which	which	PRON
cjfa-8202	199	16	classify	classify	VERB
cjfa-8202	199	17	the	the	DET
cjfa-8202	199	18	models	model	NOUN
cjfa-8202	199	19	for	for	ADP
cjfa-8202	199	20	risky	risky	ADJ
cjfa-8202	199	21	assets	asset	NOUN
cjfa-8202	199	22	(	(	PUNCT
cjfa-8202	199	23	bonds	bond	NOUN
cjfa-8202	199	24	)	)	PUNCT
cjfa-8202	199	25	into	into	ADP
cjfa-8202	199	26	two	two	NUM
cjfa-8202	199	27	categories	category	NOUN
cjfa-8202	199	28	.	.	PUNCT
cjfa-8202	200	1	the	the	DET
cjfa-8202	200	2	first	first	ADJ
cjfa-8202	200	3	branch	branch	NOUN
cjfa-8202	200	4	is	be	AUX
cjfa-8202	200	5	referred	refer	VERB
cjfa-8202	200	6	to	to	ADP
cjfa-8202	200	7	as	as	ADP
cjfa-8202	200	8	“	"	PUNCT
cjfa-8202	200	9	structural	structural	ADJ
cjfa-8202	200	10	models	model	NOUN
cjfa-8202	200	11	,	,	PUNCT
cjfa-8202	200	12	”	"	PUNCT
cjfa-8202	200	13	and	and	CCONJ
cjfa-8202	200	14	it	it	PRON
cjfa-8202	200	15	requires	require	VERB
cjfa-8202	200	16	specific	specific	ADJ
cjfa-8202	200	17	inputs	input	NOUN
cjfa-8202	200	18	from	from	ADP
cjfa-8202	200	19	the	the	DET
cjfa-8202	200	20	firm	firm	NOUN
cjfa-8202	200	21	to	to	PART
cjfa-8202	200	22	model	model	VERB
cjfa-8202	200	23	the	the	DET
cjfa-8202	200	24	default	default	NOUN
cjfa-8202	200	25	process	process	NOUN
cjfa-8202	200	26	.	.	PUNCT
cjfa-8202	201	1	typically	typically	ADV
cjfa-8202	201	2	,	,	PUNCT
cjfa-8202	201	3	the	the	DET
cjfa-8202	201	4	cause	cause	NOUN
cjfa-8202	201	5	of	of	ADP
cjfa-8202	201	6	default	default	NOUN
cjfa-8202	201	7	bond	bond	NOUN
cjfa-8202	201	8	is	be	AUX
cjfa-8202	201	9	a	a	DET
cjfa-8202	201	10	decline	decline	NOUN
cjfa-8202	201	11	in	in	ADP
cjfa-8202	201	12	the	the	DET
cjfa-8202	201	13	value	value	NOUN
cjfa-8202	201	14	of	of	ADP
cjfa-8202	201	15	a	a	DET
cjfa-8202	201	16	firm	firm	NOUN
cjfa-8202	201	17	’s	’s	PART
cjfa-8202	201	18	assets	asset	NOUN
cjfa-8202	201	19	below	below	ADP
cjfa-8202	201	20	a	a	DET
cjfa-8202	201	21	fixed	fix	VERB
cjfa-8202	201	22	threshold	threshold	NOUN
cjfa-8202	201	23	.	.	PUNCT
cjfa-8202	202	1	the	the	DET
cjfa-8202	202	2	second	second	ADJ
cjfa-8202	202	3	branch	branch	NOUN
cjfa-8202	202	4	is	be	AUX
cjfa-8202	202	5	referred	refer	VERB
cjfa-8202	202	6	to	to	ADP
cjfa-8202	202	7	as	as	ADP
cjfa-8202	202	8	“	"	PUNCT
cjfa-8202	202	9	reduced	reduced	ADJ
cjfa-8202	202	10	form	form	NOUN
cjfa-8202	202	11	models	model	NOUN
cjfa-8202	202	12	,	,	PUNCT
cjfa-8202	202	13	”	"	PUNCT
cjfa-8202	202	14	and	and	CCONJ
cjfa-8202	202	15	it	it	PRON
cjfa-8202	202	16	estimates	estimate	VERB
cjfa-8202	202	17	the	the	DET
cjfa-8202	202	18	risk	risk	NOUN
cjfa-8202	202	19	of	of	ADP
cjfa-8202	202	20	neutral	neutral	ADJ
cjfa-8202	202	21	probability	probability	NOUN
cjfa-8202	202	22	of	of	ADP
cjfa-8202	202	23	default	default	NOUN
cjfa-8202	202	24	over	over	ADP
cjfa-8202	202	25	a	a	DET
cjfa-8202	202	26	given	give	VERB
cjfa-8202	202	27	interval	interval	NOUN
cjfa-8202	202	28	from	from	ADP
cjfa-8202	202	29	actual	actual	ADJ
cjfa-8202	202	30	credit	credit	NOUN
cjfa-8202	202	31	spreads	spread	NOUN
cjfa-8202	202	32	without	without	ADP
cjfa-8202	202	33	necessarily	necessarily	ADV
cjfa-8202	202	34	identify	identify	VERB
cjfa-8202	202	35	the	the	DET
cjfa-8202	202	36	cause	cause	NOUN
cjfa-8202	202	37	of	of	ADP
cjfa-8202	202	38	the	the	DET
cjfa-8202	202	39	default	default	NOUN
cjfa-8202	202	40	.	.	PUNCT
cjfa-8202	203	1	hypothesis	hypothesis	NOUN
cjfa-8202	203	2	2	2	NUM
cjfa-8202	203	3	:	:	PUNCT
cjfa-8202	203	4	loan	loan	NOUN
cjfa-8202	203	5	exposure	exposure	NOUN
cjfa-8202	203	6	has	have	VERB
cjfa-8202	203	7	positive	positive	ADJ
cjfa-8202	203	8	effect	effect	NOUN
cjfa-8202	203	9	on	on	ADP
cjfa-8202	203	10	risk	risk	NOUN
cjfa-8202	203	11	-	-	PUNCT
cjfa-8202	203	12	weighted	weight	VERB
cjfa-8202	203	13	asset	asset	NOUN
cjfa-8202	203	14	the	the	DET
cjfa-8202	203	15	statistical	statistical	ADJ
cjfa-8202	203	16	tests	test	NOUN
cjfa-8202	203	17	on	on	ADP
cjfa-8202	203	18	this	this	DET
cjfa-8202	203	19	hypothesis	hypothesis	NOUN
cjfa-8202	203	20	(	(	PUNCT
cjfa-8202	203	21	table	table	NOUN
cjfa-8202	203	22	2	2	NUM
cjfa-8202	203	23	)	)	PUNCT
cjfa-8202	203	24	showed	show	VERB
cjfa-8202	203	25	that	that	SCONJ
cjfa-8202	203	26	the	the	DET
cjfa-8202	203	27	loan	loan	NOUN
cjfa-8202	203	28	exposure	exposure	NOUN
cjfa-8202	203	29	has	have	VERB
cjfa-8202	203	30	the	the	DET
cjfa-8202	203	31	positive	positive	ADJ
cjfa-8202	203	32	coefficient	coefficient	NOUN
cjfa-8202	203	33	of	of	ADP
cjfa-8202	203	34	0.9562	0.9562	NUM
cjfa-8202	203	35	on	on	ADP
cjfa-8202	203	36	influencing	influence	VERB
cjfa-8202	203	37	the	the	DET
cjfa-8202	203	38	risk	risk	NOUN
cjfa-8202	203	39	-	-	PUNCT
cjfa-8202	203	40	weighted	weight	VERB
cjfa-8202	203	41	average	average	ADJ
cjfa-8202	203	42	asset	asset	NOUN
cjfa-8202	203	43	,	,	PUNCT
cjfa-8202	203	44	and	and	CCONJ
cjfa-8202	203	45	the	the	DET
cjfa-8202	203	46	result	result	NOUN
cjfa-8202	203	47	is	be	AUX
cjfa-8202	203	48	significant	significant	ADJ
cjfa-8202	203	49	.	.	PUNCT
cjfa-8202	204	1	the	the	DET
cjfa-8202	204	2	value	value	NOUN
cjfa-8202	204	3	of	of	ADP
cjfa-8202	204	4	p	p	NOUN
cjfa-8202	204	5	is	be	AUX
cjfa-8202	204	6	0.00	0.00	NUM
cjfa-8202	204	7	,	,	PUNCT
cjfa-8202	204	8	which	which	PRON
cjfa-8202	204	9	is	be	AUX
cjfa-8202	204	10	below	below	ADP
cjfa-8202	204	11	0.05	0.05	NUM
cjfa-8202	204	12	.	.	PUNCT
cjfa-8202	205	1	this	this	PRON
cjfa-8202	205	2	means	mean	VERB
cjfa-8202	205	3	that	that	SCONJ
cjfa-8202	205	4	hypothesis	hypothesis	NOUN
cjfa-8202	205	5	2	2	NUM
cjfa-8202	205	6	is	be	AUX
cjfa-8202	205	7	accepted	accept	VERB
cjfa-8202	205	8	,	,	PUNCT
cjfa-8202	205	9	and	and	CCONJ
cjfa-8202	205	10	loan	loan	NOUN
cjfa-8202	205	11	exposure	exposure	NOUN
cjfa-8202	205	12	has	have	AUX
cjfa-8202	205	13	direct	direct	ADJ
cjfa-8202	205	14	significant	significant	ADJ
cjfa-8202	205	15	effect	effect	NOUN
cjfa-8202	205	16	on	on	ADP
cjfa-8202	205	17	risk	risk	NOUN
cjfa-8202	205	18	-	-	PUNCT
cjfa-8202	205	19	weighted	weight	VERB
cjfa-8202	205	20	asset	asset	NOUN
cjfa-8202	205	21	.	.	PUNCT
cjfa-8202	206	1	this	this	DET
cjfa-8202	206	2	study	study	NOUN
cjfa-8202	206	3	supports	support	VERB
cjfa-8202	206	4	the	the	DET
cjfa-8202	206	5	study	study	NOUN
cjfa-8202	206	6	conducted	conduct	VERB
cjfa-8202	206	7	by	by	ADP
cjfa-8202	206	8	andersen	andersen	PROPN
cjfa-8202	206	9	et	et	PROPN
cjfa-8202	206	10	al	al	PROPN
cjfa-8202	206	11	.	.	PROPN
cjfa-8202	207	1	(	(	PUNCT
cjfa-8202	207	2	2012	2012	NUM
cjfa-8202	207	3	)	)	PUNCT
cjfa-8202	207	4	which	which	PRON
cjfa-8202	207	5	stated	state	VERB
cjfa-8202	207	6	that	that	SCONJ
cjfa-8202	207	7	higher	high	ADJ
cjfa-8202	207	8	risk	risk	NOUN
cjfa-8202	207	9	weights	weight	NOUN
cjfa-8202	207	10	can	can	AUX
cjfa-8202	207	11	mitigate	mitigate	VERB
cjfa-8202	207	12	systemic	systemic	ADJ
cjfa-8202	207	13	risk	risk	NOUN
cjfa-8202	207	14	to	to	ADP
cjfa-8202	207	15	a	a	DET
cjfa-8202	207	16	certain	certain	ADJ
cjfa-8202	207	17	extent	extent	NOUN
cjfa-8202	207	18	as	as	SCONJ
cjfa-8202	207	19	banks	bank	NOUN
cjfa-8202	207	20	might	might	AUX
cjfa-8202	207	21	both	both	PRON
cjfa-8202	207	22	set	set	VERB
cjfa-8202	207	23	aside	aside	ADP
cjfa-8202	207	24	more	more	ADJ
cjfa-8202	207	25	capital	capital	NOUN
cjfa-8202	207	26	and	and	CCONJ
cjfa-8202	207	27	reduce	reduce	VERB
cjfa-8202	207	28	lending	lending	NOUN
cjfa-8202	207	29	and	and	CCONJ
cjfa-8202	207	30	investment	investment	NOUN
cjfa-8202	207	31	that	that	PRON
cjfa-8202	207	32	generate	generate	VERB
cjfa-8202	207	33	systemic	systemic	ADJ
cjfa-8202	207	34	risk	risk	NOUN
cjfa-8202	207	35	.	.	PUNCT
cjfa-8202	208	1	hypothesis	hypothesis	NOUN
cjfa-8202	208	2	3	3	NUM
cjfa-8202	208	3	:	:	PUNCT
cjfa-8202	208	4	risk	risk	NOUN
cjfa-8202	208	5	-	-	PUNCT
cjfa-8202	208	6	weighted	weight	VERB
cjfa-8202	208	7	asset	asset	NOUN
cjfa-8202	208	8	has	have	VERB
cjfa-8202	208	9	positive	positive	ADJ
cjfa-8202	208	10	effect	effect	NOUN
cjfa-8202	208	11	on	on	ADP
cjfa-8202	208	12	credit	credit	NOUN
cjfa-8202	208	13	default	default	NOUN
cjfa-8202	208	14	the	the	DET
cjfa-8202	208	15	statistical	statistical	ADJ
cjfa-8202	208	16	tests	test	NOUN
cjfa-8202	208	17	on	on	ADP
cjfa-8202	208	18	this	this	DET
cjfa-8202	208	19	hypothesis	hypothesis	NOUN
cjfa-8202	208	20	(	(	PUNCT
cjfa-8202	208	21	table	table	NOUN
cjfa-8202	208	22	2	2	NUM
cjfa-8202	208	23	)	)	PUNCT
cjfa-8202	208	24	showed	show	VERB
cjfa-8202	208	25	risk	risk	NOUN
cjfa-8202	208	26	-	-	PUNCT
cjfa-8202	208	27	weighted	weight	VERB
cjfa-8202	208	28	asset	asset	NOUN
cjfa-8202	208	29	has	have	VERB
cjfa-8202	208	30	the	the	DET
cjfa-8202	208	31	positive	positive	ADJ
cjfa-8202	208	32	coefficient	coefficient	NOUN
cjfa-8202	208	33	of	of	ADP
cjfa-8202	208	34	0.0209	0.0209	NUM
cjfa-8202	208	35	on	on	ADP
cjfa-8202	208	36	influencing	influence	VERB
cjfa-8202	208	37	the	the	DET
cjfa-8202	208	38	credit	credit	NOUN
cjfa-8202	208	39	default	default	NOUN
cjfa-8202	208	40	,	,	PUNCT
cjfa-8202	208	41	and	and	CCONJ
cjfa-8202	208	42	the	the	DET
cjfa-8202	208	43	result	result	NOUN
cjfa-8202	208	44	is	be	AUX
cjfa-8202	208	45	significant	significant	ADJ
cjfa-8202	208	46	.	.	PUNCT
cjfa-8202	209	1	the	the	DET
cjfa-8202	209	2	value	value	NOUN
cjfa-8202	209	3	of	of	ADP
cjfa-8202	209	4	p	p	NOUN
cjfa-8202	209	5	is	be	AUX
cjfa-8202	209	6	0.009	0.009	NUM
cjfa-8202	209	7	,	,	PUNCT
cjfa-8202	209	8	which	which	PRON
cjfa-8202	209	9	is	be	AUX
cjfa-8202	209	10	below	below	ADP
cjfa-8202	209	11	0.05	0.05	NUM
cjfa-8202	209	12	.	.	PUNCT
cjfa-8202	210	1	this	this	PRON
cjfa-8202	210	2	means	mean	VERB
cjfa-8202	210	3	that	that	SCONJ
cjfa-8202	210	4	hypothesis	hypothesis	NOUN
cjfa-8202	210	5	3	3	NUM
cjfa-8202	210	6	is	be	AUX
cjfa-8202	210	7	accepted	accept	VERB
cjfa-8202	210	8	.	.	PUNCT
cjfa-8202	211	1	this	this	PRON
cjfa-8202	211	2	shows	show	VERB
cjfa-8202	211	3	that	that	SCONJ
cjfa-8202	211	4	risk	risk	NOUN
cjfa-8202	211	5	-	-	PUNCT
cjfa-8202	211	6	weighted	weight	VERB
cjfa-8202	211	7	average	average	ADJ
cjfa-8202	211	8	asset	asset	NOUN
cjfa-8202	211	9	has	have	AUX
cjfa-8202	211	10	direct	direct	ADJ
cjfa-8202	211	11	significant	significant	ADJ
cjfa-8202	211	12	effect	effect	NOUN
cjfa-8202	211	13	on	on	ADP
cjfa-8202	211	14	credit	credit	NOUN
cjfa-8202	211	15	default	default	NOUN
cjfa-8202	211	16	.	.	PUNCT
cjfa-8202	212	1	it	it	PRON
cjfa-8202	212	2	proves	prove	VERB
cjfa-8202	212	3	that	that	SCONJ
cjfa-8202	212	4	the	the	DET
cjfa-8202	212	5	mediated	mediate	VERB
cjfa-8202	212	6	effect	effect	NOUN
cjfa-8202	212	7	of	of	ADP
cjfa-8202	212	8	risk	risk	NOUN
cjfa-8202	212	9	-	-	PUNCT
cjfa-8202	212	10	weighted	weight	VERB
cjfa-8202	212	11	average	average	ADJ
cjfa-8202	212	12	asset	asset	NOUN
cjfa-8202	212	13	is	be	AUX
cjfa-8202	212	14	0.1998	0.1998	NUM
cjfa-8202	212	15	or	or	CCONJ
cjfa-8202	212	16	greater	great	ADJ
cjfa-8202	212	17	than	than	ADP
cjfa-8202	212	18	the	the	DET
cjfa-8202	212	19	direct	direct	ADJ
cjfa-8202	212	20	effect	effect	NOUN
cjfa-8202	212	21	of	of	ADP
cjfa-8202	212	22	loan	loan	NOUN
cjfa-8202	212	23	exposure	exposure	NOUN
cjfa-8202	212	24	on	on	ADP
cjfa-8202	212	25	credit	credit	NOUN
cjfa-8202	212	26	default	default	NOUN
cjfa-8202	212	27	with	with	ADP
cjfa-8202	212	28	the	the	DET
cjfa-8202	212	29	coefficient	coefficient	NOUN
cjfa-8202	212	30	of	of	ADP
cjfa-8202	212	31	0.0094	0.0094	NUM
cjfa-8202	212	32	.	.	PUNCT
cjfa-8202	213	1	this	this	DET
cjfa-8202	213	2	study	study	NOUN
cjfa-8202	213	3	agrees	agree	VERB
cjfa-8202	213	4	with	with	ADP
cjfa-8202	213	5	the	the	DET
cjfa-8202	213	6	research	research	NOUN
cjfa-8202	213	7	conducted	conduct	VERB
cjfa-8202	213	8	by	by	ADP
cjfa-8202	213	9	sonali	sonali	PROPN
cjfa-8202	213	10	das	das	PROPN
cjfa-8202	213	11	and	and	CCONJ
cjfa-8202	213	12	amadou	amadou	PROPN
cjfa-8202	213	13	n.r	n.r	PROPN
cjfa-8202	213	14	.	.	PROPN
cjfa-8202	213	15	sy	sy	PROPN
cjfa-8202	213	16	(	(	PUNCT
cjfa-8202	213	17	2012	2012	NUM
cjfa-8202	213	18	)	)	PUNCT
cjfa-8202	213	19	,	,	PUNCT
cjfa-8202	213	20	which	which	PRON
cjfa-8202	213	21	is	be	AUX
cjfa-8202	213	22	entitled	entitle	VERB
cjfa-8202	213	23	“	"	PUNCT
cjfa-8202	213	24	how	how	SCONJ
cjfa-8202	213	25	risky	risky	ADJ
cjfa-8202	213	26	are	be	AUX
cjfa-8202	213	27	the	the	DET
cjfa-8202	213	28	bank	bank	NOUN
cjfa-8202	213	29	’s	’s	PART
cjfa-8202	213	30	risk	risk	NOUN
cjfa-8202	213	31	weighted	weight	VERB
cjfa-8202	213	32	assets	asset	NOUN
cjfa-8202	213	33	:	:	PUNCT
cjfa-8202	213	34	evidence	evidence	NOUN
cjfa-8202	213	35	from	from	ADP
cjfa-8202	213	36	the	the	DET
cjfa-8202	213	37	financial	financial	ADJ
cjfa-8202	213	38	crisis	crisis	NOUN
cjfa-8202	213	39	.	.	PUNCT
cjfa-8202	213	40	”	"	PUNCT
cjfa-8202	214	1	they	they	PRON
cjfa-8202	214	2	argued	argue	VERB
cjfa-8202	214	3	that	that	SCONJ
cjfa-8202	214	4	banks	bank	NOUN
cjfa-8202	214	5	with	with	ADP
cjfa-8202	214	6	lower	low	ADJ
cjfa-8202	214	7	the	the	DET
cjfa-8202	214	8	study	study	NOUN
cjfa-8202	214	9	of	of	ADP
cjfa-8202	214	10	risk	risk	NOUN
cjfa-8202	214	11	-	-	PUNCT
cjfa-8202	214	12	weighted	weight	VERB
cjfa-8202	214	13	assets	asset	NOUN
cjfa-8202	214	14	on	on	ADP
cjfa-8202	214	15	the	the	DET
cjfa-8202	214	16	effects	effect	NOUN
cjfa-8202	214	17	of	of	ADP
cjfa-8202	214	18	loan	loan	NOUN
cjfa-8202	214	19	…	…	PUNCT
cjfa-8202	214	20	173	173	NUM
cjfa-8202	214	21	rwa	rwa	NOUN
cjfa-8202	214	22	will	will	AUX
cjfa-8202	214	23	perform	perform	VERB
cjfa-8202	214	24	better	well	ADV
cjfa-8202	214	25	during	during	ADP
cjfa-8202	214	26	the	the	DET
cjfa-8202	214	27	crisis	crisis	NOUN
cjfa-8202	214	28	,	,	PUNCT
cjfa-8202	214	29	which	which	PRON
cjfa-8202	214	30	means	mean	VERB
cjfa-8202	214	31	that	that	SCONJ
cjfa-8202	214	32	credit	credit	NOUN
cjfa-8202	214	33	default	default	NOUN
cjfa-8202	214	34	or	or	CCONJ
cjfa-8202	214	35	npl	npl	NOUN
cjfa-8202	214	36	must	must	AUX
cjfa-8202	214	37	be	be	AUX
cjfa-8202	214	38	low	low	ADJ
cjfa-8202	214	39	in	in	ADP
cjfa-8202	214	40	order	order	NOUN
cjfa-8202	214	41	for	for	SCONJ
cjfa-8202	214	42	the	the	DET
cjfa-8202	214	43	bank	bank	NOUN
cjfa-8202	214	44	to	to	PART
cjfa-8202	214	45	obtain	obtain	VERB
cjfa-8202	214	46	better	well	ADJ
cjfa-8202	214	47	return	return	NOUN
cjfa-8202	214	48	.	.	PUNCT
cjfa-8202	215	1	this	this	DET
cjfa-8202	215	2	study	study	NOUN
cjfa-8202	215	3	also	also	ADV
cjfa-8202	215	4	agrees	agree	VERB
cjfa-8202	215	5	with	with	ADP
cjfa-8202	215	6	the	the	DET
cjfa-8202	215	7	findings	finding	NOUN
cjfa-8202	215	8	by	by	ADP
cjfa-8202	215	9	bradley	bradley	PROPN
cjfa-8202	215	10	et	et	PROPN
cjfa-8202	215	11	al	al	PROPN
cjfa-8202	215	12	.	.	PROPN
cjfa-8202	216	1	(	(	PUNCT
cjfa-8202	216	2	1991	1991	NUM
cjfa-8202	216	3	)	)	PUNCT
cjfa-8202	216	4	who	who	PRON
cjfa-8202	216	5	found	find	VERB
cjfa-8202	216	6	that	that	SCONJ
cjfa-8202	216	7	rwa	rwa	NOUN
cjfa-8202	216	8	for	for	ADP
cjfa-8202	216	9	banks	bank	NOUN
cjfa-8202	216	10	,	,	PUNCT
cjfa-8202	216	11	respectively	respectively	ADV
cjfa-8202	216	12	,	,	PUNCT
cjfa-8202	216	13	are	be	AUX
cjfa-8202	216	14	positively	positively	ADV
cjfa-8202	216	15	related	relate	VERB
cjfa-8202	216	16	to	to	ADP
cjfa-8202	216	17	the	the	DET
cjfa-8202	216	18	bank	bank	NOUN
cjfa-8202	216	19	probability	probability	NOUN
cjfa-8202	216	20	of	of	ADP
cjfa-8202	216	21	failure	failure	NOUN
cjfa-8202	216	22	.	.	PUNCT
cjfa-8202	217	1	4.3	4.3	NUM
cjfa-8202	217	2	.	.	PUNCT
cjfa-8202	217	3	conclusion	conclusion	NOUN
cjfa-8202	217	4	1	1	NUM
cjfa-8202	217	5	)	)	PUNCT
cjfa-8202	217	6	the	the	DET
cjfa-8202	217	7	coefficient	coefficient	NOUN
cjfa-8202	217	8	of	of	ADP
cjfa-8202	217	9	loan	loan	NOUN
cjfa-8202	217	10	exposure	exposure	NOUN
cjfa-8202	217	11	is	be	AUX
cjfa-8202	217	12	0.0094	0.0094	NUM
cjfa-8202	217	13	on	on	ADP
cjfa-8202	217	14	influencing	influence	VERB
cjfa-8202	217	15	the	the	DET
cjfa-8202	217	16	credit	credit	NOUN
cjfa-8202	217	17	default	default	NOUN
cjfa-8202	217	18	despite	despite	SCONJ
cjfa-8202	217	19	the	the	DET
cjfa-8202	217	20	fact	fact	NOUN
cjfa-8202	217	21	that	that	SCONJ
cjfa-8202	217	22	it	it	PRON
cjfa-8202	217	23	is	be	AUX
cjfa-8202	217	24	not	not	PART
cjfa-8202	217	25	quite	quite	ADV
cjfa-8202	217	26	significant	significant	ADJ
cjfa-8202	217	27	.	.	PUNCT
cjfa-8202	218	1	on	on	ADP
cjfa-8202	218	2	the	the	DET
cjfa-8202	218	3	other	other	ADJ
cjfa-8202	218	4	hand	hand	NOUN
cjfa-8202	218	5	,	,	PUNCT
cjfa-8202	218	6	the	the	DET
cjfa-8202	218	7	value	value	NOUN
cjfa-8202	218	8	of	of	ADP
cjfa-8202	218	9	p	p	NOUN
cjfa-8202	218	10	is	be	AUX
cjfa-8202	218	11	0.4545	0.4545	NUM
cjfa-8202	218	12	,	,	PUNCT
cjfa-8202	218	13	which	which	PRON
cjfa-8202	218	14	is	be	AUX
cjfa-8202	218	15	greater	great	ADJ
cjfa-8202	218	16	than	than	ADP
cjfa-8202	218	17	0.05	0.05	NUM
cjfa-8202	218	18	.	.	PUNCT
cjfa-8202	219	1	this	this	PRON
cjfa-8202	219	2	means	mean	VERB
cjfa-8202	219	3	that	that	SCONJ
cjfa-8202	219	4	hypothesis	hypothesis	NOUN
cjfa-8202	219	5	1	1	NUM
cjfa-8202	219	6	is	be	AUX
cjfa-8202	219	7	not	not	PART
cjfa-8202	219	8	accepted	accept	VERB
cjfa-8202	219	9	.	.	PUNCT
cjfa-8202	220	1	in	in	ADP
cjfa-8202	220	2	other	other	ADJ
cjfa-8202	220	3	words	word	NOUN
cjfa-8202	220	4	,	,	PUNCT
cjfa-8202	220	5	it	it	PRON
cjfa-8202	220	6	can	can	AUX
cjfa-8202	220	7	be	be	AUX
cjfa-8202	220	8	concluded	conclude	VERB
cjfa-8202	220	9	that	that	SCONJ
cjfa-8202	220	10	loan	loan	NOUN
cjfa-8202	220	11	exposure	exposure	NOUN
cjfa-8202	220	12	valuation	valuation	NOUN
cjfa-8202	220	13	has	have	VERB
cjfa-8202	220	14	no	no	DET
cjfa-8202	220	15	significant	significant	ADJ
cjfa-8202	220	16	effect	effect	NOUN
cjfa-8202	220	17	on	on	ADP
cjfa-8202	220	18	credit	credit	NOUN
cjfa-8202	220	19	default	default	NOUN
cjfa-8202	220	20	.	.	PUNCT
cjfa-8202	221	1	2	2	X
cjfa-8202	221	2	)	)	PUNCT
cjfa-8202	221	3	the	the	DET
cjfa-8202	221	4	coefficient	coefficient	NOUN
cjfa-8202	221	5	of	of	ADP
cjfa-8202	221	6	loan	loan	NOUN
cjfa-8202	221	7	exposure	exposure	NOUN
cjfa-8202	221	8	is	be	AUX
cjfa-8202	221	9	0.9562	0.9562	NUM
cjfa-8202	221	10	on	on	ADP
cjfa-8202	221	11	influencing	influence	VERB
cjfa-8202	221	12	the	the	DET
cjfa-8202	221	13	risk	risk	NOUN
cjfa-8202	221	14	-	-	PUNCT
cjfa-8202	221	15	weighted	weight	VERB
cjfa-8202	221	16	assets	asset	NOUN
cjfa-8202	221	17	,	,	PUNCT
cjfa-8202	221	18	and	and	CCONJ
cjfa-8202	221	19	the	the	DET
cjfa-8202	221	20	result	result	NOUN
cjfa-8202	221	21	is	be	AUX
cjfa-8202	221	22	significant	significant	ADJ
cjfa-8202	221	23	.	.	PUNCT
cjfa-8202	222	1	the	the	DET
cjfa-8202	222	2	value	value	NOUN
cjfa-8202	222	3	of	of	ADP
cjfa-8202	222	4	p	p	NOUN
cjfa-8202	222	5	is	be	AUX
cjfa-8202	222	6	0.00	0.00	NUM
cjfa-8202	222	7	,	,	PUNCT
cjfa-8202	222	8	which	which	PRON
cjfa-8202	222	9	is	be	AUX
cjfa-8202	222	10	below	below	ADP
cjfa-8202	222	11	0.05	0.05	NUM
cjfa-8202	222	12	.	.	PUNCT
cjfa-8202	223	1	this	this	PRON
cjfa-8202	223	2	means	mean	VERB
cjfa-8202	223	3	that	that	SCONJ
cjfa-8202	223	4	hypothesis	hypothesis	NOUN
cjfa-8202	223	5	2	2	NUM
cjfa-8202	223	6	is	be	AUX
cjfa-8202	223	7	accepted	accept	VERB
cjfa-8202	223	8	,	,	PUNCT
cjfa-8202	223	9	and	and	CCONJ
cjfa-8202	223	10	loan	loan	NOUN
cjfa-8202	223	11	exposure	exposure	NOUN
cjfa-8202	223	12	has	have	AUX
cjfa-8202	223	13	direct	direct	ADJ
cjfa-8202	223	14	significant	significant	ADJ
cjfa-8202	223	15	effect	effect	NOUN
cjfa-8202	223	16	on	on	ADP
cjfa-8202	223	17	risk	risk	NOUN
cjfa-8202	223	18	-	-	PUNCT
cjfa-8202	223	19	weighted	weight	VERB
cjfa-8202	223	20	asset	asset	NOUN
cjfa-8202	223	21	.	.	PUNCT
cjfa-8202	224	1	3	3	X
cjfa-8202	224	2	)	)	PUNCT
cjfa-8202	224	3	the	the	DET
cjfa-8202	224	4	coefficient	coefficient	NOUN
cjfa-8202	224	5	of	of	ADP
cjfa-8202	224	6	risk	risk	NOUN
cjfa-8202	224	7	-	-	PUNCT
cjfa-8202	224	8	weighted	weight	VERB
cjfa-8202	224	9	assets	asset	NOUN
cjfa-8202	224	10	is	be	AUX
cjfa-8202	224	11	0.0209	0.0209	NUM
cjfa-8202	224	12	on	on	ADP
cjfa-8202	224	13	influencing	influence	VERB
cjfa-8202	224	14	the	the	DET
cjfa-8202	224	15	credit	credit	NOUN
cjfa-8202	224	16	default	default	NOUN
cjfa-8202	224	17	,	,	PUNCT
cjfa-8202	224	18	and	and	CCONJ
cjfa-8202	224	19	the	the	DET
cjfa-8202	224	20	result	result	NOUN
cjfa-8202	224	21	is	be	AUX
cjfa-8202	224	22	significant	significant	ADJ
cjfa-8202	224	23	.	.	PUNCT
cjfa-8202	225	1	the	the	DET
cjfa-8202	225	2	value	value	NOUN
cjfa-8202	225	3	of	of	ADP
cjfa-8202	225	4	p	p	NOUN
cjfa-8202	225	5	is	be	AUX
cjfa-8202	225	6	0.009	0.009	NUM
cjfa-8202	225	7	,	,	PUNCT
cjfa-8202	225	8	which	which	PRON
cjfa-8202	225	9	is	be	AUX
cjfa-8202	225	10	below	below	ADP
cjfa-8202	225	11	0.05	0.05	NUM
cjfa-8202	225	12	.	.	PUNCT
cjfa-8202	226	1	this	this	PRON
cjfa-8202	226	2	means	mean	VERB
cjfa-8202	226	3	that	that	SCONJ
cjfa-8202	226	4	hypothesis	hypothesis	NOUN
cjfa-8202	226	5	3	3	NUM
cjfa-8202	226	6	is	be	AUX
cjfa-8202	226	7	accepted	accept	VERB
cjfa-8202	226	8	.	.	PUNCT
cjfa-8202	227	1	this	this	PRON
cjfa-8202	227	2	shows	show	VERB
cjfa-8202	227	3	that	that	SCONJ
cjfa-8202	227	4	risk	risk	NOUN
cjfa-8202	227	5	-	-	PUNCT
cjfa-8202	227	6	weighted	weight	VERB
cjfa-8202	227	7	average	average	ADJ
cjfa-8202	227	8	asset	asset	NOUN
cjfa-8202	227	9	has	have	AUX
cjfa-8202	227	10	direct	direct	ADJ
cjfa-8202	227	11	significant	significant	ADJ
cjfa-8202	227	12	effect	effect	NOUN
cjfa-8202	227	13	on	on	ADP
cjfa-8202	227	14	credit	credit	NOUN
cjfa-8202	227	15	default	default	NOUN
cjfa-8202	227	16	.	.	PUNCT
cjfa-8202	228	1	it	it	PRON
cjfa-8202	228	2	proves	prove	VERB
cjfa-8202	228	3	that	that	SCONJ
cjfa-8202	228	4	the	the	DET
cjfa-8202	228	5	mediated	mediate	VERB
cjfa-8202	228	6	effect	effect	NOUN
cjfa-8202	228	7	of	of	ADP
cjfa-8202	228	8	risk	risk	NOUN
cjfa-8202	228	9	-	-	PUNCT
cjfa-8202	228	10	weighted	weight	VERB
cjfa-8202	228	11	average	average	ADJ
cjfa-8202	228	12	asset	asset	NOUN
cjfa-8202	228	13	is	be	AUX
cjfa-8202	228	14	0.1998	0.1998	NUM
cjfa-8202	228	15	or	or	CCONJ
cjfa-8202	228	16	greater	great	ADJ
cjfa-8202	228	17	than	than	ADP
cjfa-8202	228	18	the	the	DET
cjfa-8202	228	19	direct	direct	ADJ
cjfa-8202	228	20	effect	effect	NOUN
cjfa-8202	228	21	of	of	ADP
cjfa-8202	228	22	loan	loan	NOUN
cjfa-8202	228	23	exposure	exposure	NOUN
cjfa-8202	228	24	on	on	ADP
cjfa-8202	228	25	credit	credit	NOUN
cjfa-8202	228	26	default	default	NOUN
cjfa-8202	228	27	with	with	ADP
cjfa-8202	228	28	the	the	DET
cjfa-8202	228	29	coefficient	coefficient	NOUN
cjfa-8202	228	30	of	of	ADP
cjfa-8202	228	31	0.0094	0.0094	NUM
cjfa-8202	228	32	.	.	PUNCT
cjfa-8202	229	1	4.4	4.4	NUM
cjfa-8202	229	2	.	.	PUNCT
cjfa-8202	229	3	implication	implication	NOUN
cjfa-8202	229	4	1	1	NUM
cjfa-8202	229	5	)	)	PUNCT
cjfa-8202	229	6	academic	academic	ADJ
cjfa-8202	229	7	recommendation	recommendation	NOUN
cjfa-8202	229	8	this	this	DET
cjfa-8202	229	9	study	study	NOUN
cjfa-8202	229	10	contributes	contribute	VERB
cjfa-8202	229	11	to	to	ADP
cjfa-8202	229	12	the	the	DET
cjfa-8202	229	13	academic	academic	ADJ
cjfa-8202	229	14	area	area	NOUN
cjfa-8202	229	15	in	in	ADP
cjfa-8202	229	16	the	the	DET
cjfa-8202	229	17	form	form	NOUN
cjfa-8202	229	18	of	of	ADP
cjfa-8202	229	19	recommendation	recommendation	NOUN
cjfa-8202	229	20	and	and	CCONJ
cjfa-8202	229	21	the	the	DET
cjfa-8202	229	22	new	new	ADJ
cjfa-8202	229	23	theoretical	theoretical	ADJ
cjfa-8202	229	24	model	model	NOUN
cjfa-8202	229	25	of	of	ADP
cjfa-8202	229	26	loan	loan	NOUN
cjfa-8202	229	27	exposure	exposure	NOUN
cjfa-8202	229	28	valuation	valuation	NOUN
cjfa-8202	229	29	in	in	ADP
cjfa-8202	229	30	influencing	influence	VERB
cjfa-8202	229	31	the	the	DET
cjfa-8202	229	32	credit	credit	NOUN
cjfa-8202	229	33	default	default	NOUN
cjfa-8202	229	34	.	.	PUNCT
cjfa-8202	230	1	this	this	DET
cjfa-8202	230	2	study	study	NOUN
cjfa-8202	230	3	has	have	VERB
cjfa-8202	230	4	implications	implication	NOUN
cjfa-8202	230	5	for	for	ADP
cjfa-8202	230	6	academic	academic	ADJ
cjfa-8202	230	7	research	research	NOUN
cjfa-8202	230	8	by	by	ADP
cjfa-8202	230	9	providing	provide	VERB
cjfa-8202	230	10	support	support	NOUN
cjfa-8202	230	11	in	in	ADP
cjfa-8202	230	12	the	the	DET
cjfa-8202	230	13	development	development	NOUN
cjfa-8202	230	14	of	of	ADP
cjfa-8202	230	15	contingency	contingency	NOUN
cjfa-8202	230	16	theory	theory	NOUN
cjfa-8202	230	17	and	and	CCONJ
cjfa-8202	230	18	the	the	DET
cjfa-8202	230	19	theory	theory	NOUN
cjfa-8202	230	20	of	of	ADP
cjfa-8202	230	21	organizations	organization	NOUN
cjfa-8202	230	22	from	from	ADP
cjfa-8202	230	23	a	a	DET
cjfa-8202	230	24	wider	wide	ADJ
cjfa-8202	230	25	perspective	perspective	NOUN
cjfa-8202	230	26	,	,	PUNCT
cjfa-8202	230	27	namely	namely	ADV
cjfa-8202	230	28	:	:	PUNCT
cjfa-8202	230	29	1	1	X
cjfa-8202	230	30	)	)	PUNCT
cjfa-8202	230	31	by	by	ADP
cjfa-8202	230	32	suggesting	suggest	VERB
cjfa-8202	230	33	that	that	SCONJ
cjfa-8202	230	34	loan	loan	NOUN
cjfa-8202	230	35	exposure	exposure	NOUN
cjfa-8202	230	36	valuation	valuation	NOUN
cjfa-8202	230	37	has	have	VERB
cjfa-8202	230	38	no	no	DET
cjfa-8202	230	39	significant	significant	ADJ
cjfa-8202	230	40	effect	effect	NOUN
cjfa-8202	230	41	on	on	ADP
cjfa-8202	230	42	the	the	DET
cjfa-8202	230	43	credit	credit	NOUN
cjfa-8202	230	44	default	default	NOUN
cjfa-8202	230	45	and	and	CCONJ
cjfa-8202	230	46	that	that	SCONJ
cjfa-8202	230	47	loan	loan	NOUN
cjfa-8202	230	48	exposure	exposure	NOUN
cjfa-8202	230	49	valuation	valuation	NOUN
cjfa-8202	230	50	can	can	AUX
cjfa-8202	230	51	not	not	PART
cjfa-8202	230	52	increase	increase	VERB
cjfa-8202	230	53	credit	credit	NOUN
cjfa-8202	230	54	default	default	NOUN
cjfa-8202	230	55	,	,	PUNCT
cjfa-8202	230	56	so	so	SCONJ
cjfa-8202	230	57	this	this	DET
cjfa-8202	230	58	variable	variable	NOUN
cjfa-8202	230	59	must	must	AUX
cjfa-8202	230	60	be	be	AUX
cjfa-8202	230	61	mediated	mediate	VERB
cjfa-8202	230	62	by	by	ADP
cjfa-8202	230	63	other	other	ADJ
cjfa-8202	230	64	variables	variable	NOUN
cjfa-8202	230	65	in	in	ADP
cjfa-8202	230	66	order	order	NOUN
cjfa-8202	230	67	to	to	PART
cjfa-8202	230	68	decrease	decrease	VERB
cjfa-8202	230	69	credit	credit	NOUN
cjfa-8202	230	70	default	default	NOUN
cjfa-8202	230	71	;	;	PUNCT
cjfa-8202	231	1	2	2	X
cjfa-8202	231	2	)	)	PUNCT
cjfa-8202	231	3	by	by	ADP
cjfa-8202	231	4	proposing	propose	VERB
cjfa-8202	231	5	the	the	DET
cjfa-8202	231	6	usage	usage	NOUN
cjfa-8202	231	7	of	of	ADP
cjfa-8202	231	8	indirect	indirect	ADJ
cjfa-8202	231	9	effect	effect	NOUN
cjfa-8202	231	10	of	of	ADP
cjfa-8202	231	11	tigor	tigor	NOUN
cjfa-8202	231	12	sitorus174	sitorus174	PROPN
cjfa-8202	231	13	loan	loan	NOUN
cjfa-8202	231	14	exposure	exposure	NOUN
cjfa-8202	231	15	valuation	valuation	NOUN
cjfa-8202	231	16	on	on	ADP
cjfa-8202	231	17	credit	credit	NOUN
cjfa-8202	231	18	default	default	NOUN
cjfa-8202	231	19	mediated	mediate	VERB
cjfa-8202	231	20	by	by	ADP
cjfa-8202	231	21	risk	risk	NOUN
cjfa-8202	231	22	-	-	PUNCT
cjfa-8202	231	23	weighted	weight	VERB
cjfa-8202	231	24	assets	asset	NOUN
cjfa-8202	231	25	that	that	PRON
cjfa-8202	231	26	are	be	AUX
cjfa-8202	231	27	precisely	precisely	ADV
cjfa-8202	231	28	calculated	calculate	VERB
cjfa-8202	231	29	since	since	SCONJ
cjfa-8202	231	30	it	it	PRON
cjfa-8202	231	31	has	have	VERB
cjfa-8202	231	32	stronger	strong	ADJ
cjfa-8202	231	33	and	and	CCONJ
cjfa-8202	231	34	more	more	ADV
cjfa-8202	231	35	positive	positive	ADJ
cjfa-8202	231	36	coefficient	coefficient	NOUN
cjfa-8202	231	37	than	than	ADP
cjfa-8202	231	38	direct	direct	ADJ
cjfa-8202	231	39	effect	effect	NOUN
cjfa-8202	231	40	.	.	PUNCT
cjfa-8202	232	1	2	2	X
cjfa-8202	232	2	)	)	PUNCT
cjfa-8202	232	3	practical	practical	ADJ
cjfa-8202	232	4	recommendations	recommendation	NOUN
cjfa-8202	232	5	the	the	DET
cjfa-8202	232	6	result	result	NOUN
cjfa-8202	232	7	of	of	ADP
cjfa-8202	232	8	this	this	DET
cjfa-8202	232	9	research	research	NOUN
cjfa-8202	232	10	also	also	ADV
cjfa-8202	232	11	provides	provide	VERB
cjfa-8202	232	12	guidance	guidance	NOUN
cjfa-8202	232	13	for	for	ADP
cjfa-8202	232	14	banking	banking	NOUN
cjfa-8202	232	15	practitioners	practitioner	NOUN
cjfa-8202	232	16	in	in	ADP
cjfa-8202	232	17	improving	improve	VERB
cjfa-8202	232	18	the	the	DET
cjfa-8202	232	19	loan	loan	NOUN
cjfa-8202	232	20	exposure	exposure	NOUN
cjfa-8202	232	21	when	when	SCONJ
cjfa-8202	232	22	processing	process	VERB
cjfa-8202	232	23	a	a	DET
cjfa-8202	232	24	credit	credit	NOUN
cjfa-8202	232	25	application	application	NOUN
cjfa-8202	232	26	.	.	PUNCT
cjfa-8202	233	1	loan	loan	NOUN
cjfa-8202	233	2	exposure	exposure	NOUN
cjfa-8202	233	3	must	must	AUX
cjfa-8202	233	4	be	be	AUX
cjfa-8202	233	5	built	build	VERB
cjfa-8202	233	6	adequately	adequately	ADV
cjfa-8202	233	7	by	by	ADP
cjfa-8202	233	8	an	an	DET
cjfa-8202	233	9	organization	organization	NOUN
cjfa-8202	233	10	.	.	PUNCT
cjfa-8202	234	1	moreover	moreover	ADV
cjfa-8202	234	2	,	,	PUNCT
cjfa-8202	234	3	the	the	DET
cjfa-8202	234	4	practitioner	practitioner	NOUN
cjfa-8202	234	5	must	must	AUX
cjfa-8202	234	6	implement	implement	VERB
cjfa-8202	234	7	organizational	organizational	ADJ
cjfa-8202	234	8	learning	learning	NOUN
cjfa-8202	234	9	to	to	PART
cjfa-8202	234	10	build	build	VERB
cjfa-8202	234	11	and	and	CCONJ
cjfa-8202	234	12	develop	develop	VERB
cjfa-8202	234	13	a	a	DET
cjfa-8202	234	14	credit	credit	NOUN
cjfa-8202	234	15	system	system	NOUN
cjfa-8202	234	16	and	and	CCONJ
cjfa-8202	234	17	control	control	NOUN
cjfa-8202	234	18	.	.	PUNCT
cjfa-8202	235	1	this	this	DET
cjfa-8202	235	2	study	study	NOUN
cjfa-8202	235	3	can	can	AUX
cjfa-8202	235	4	give	give	VERB
cjfa-8202	235	5	implications	implication	NOUN
cjfa-8202	235	6	to	to	ADP
cjfa-8202	235	7	the	the	DET
cjfa-8202	235	8	practitioners	practitioner	NOUN
cjfa-8202	235	9	by	by	ADP
cjfa-8202	235	10	suggesting	suggest	VERB
cjfa-8202	235	11	the	the	DET
cjfa-8202	235	12	creditors	creditor	NOUN
cjfa-8202	235	13	to	to	PART
cjfa-8202	235	14	use	use	VERB
cjfa-8202	235	15	rwa	rwa	NOUN
cjfa-8202	235	16	as	as	ADP
cjfa-8202	235	17	an	an	DET
cjfa-8202	235	18	indicator	indicator	NOUN
cjfa-8202	235	19	of	of	ADP
cjfa-8202	235	20	credit	credit	NOUN
cjfa-8202	235	21	risk	risk	NOUN
cjfa-8202	235	22	and	and	CCONJ
cjfa-8202	235	23	precisely	precisely	ADV
cjfa-8202	235	24	calculate	calculate	VERB
cjfa-8202	235	25	the	the	DET
cjfa-8202	235	26	rwa	rwa	NOUN
cjfa-8202	235	27	when	when	SCONJ
cjfa-8202	235	28	giving	give	VERB
cjfa-8202	235	29	the	the	DET
cjfa-8202	235	30	credit	credit	NOUN
cjfa-8202	235	31	,	,	PUNCT
cjfa-8202	235	32	investing	invest	VERB
cjfa-8202	235	33	in	in	ADP
cjfa-8202	235	34	securities	security	NOUN
cjfa-8202	235	35	,	,	PUNCT
cjfa-8202	235	36	or	or	CCONJ
cjfa-8202	235	37	placing	place	VERB
cjfa-8202	235	38	the	the	DET
cjfa-8202	235	39	money	money	NOUN
cjfa-8202	235	40	on	on	ADP
cjfa-8202	235	41	the	the	DET
cjfa-8202	235	42	third	third	ADJ
cjfa-8202	235	43	parties	party	NOUN
cjfa-8202	235	44	.	.	PUNCT
cjfa-8202	236	1	most	most	ADJ
cjfa-8202	236	2	banks	bank	NOUN
cjfa-8202	236	3	with	with	ADP
cjfa-8202	236	4	higher	high	ADJ
cjfa-8202	236	5	risk	risk	NOUN
cjfa-8202	236	6	-	-	PUNCT
cjfa-8202	236	7	weighted	weight	VERB
cjfa-8202	236	8	assets	asset	NOUN
cjfa-8202	236	9	implement	implement	VERB
cjfa-8202	236	10	bad	bad	ADJ
cjfa-8202	236	11	credit	credit	NOUN
cjfa-8202	236	12	management	management	NOUN
cjfa-8202	236	13	.	.	PUNCT
cjfa-8202	237	1	3	3	X
cjfa-8202	237	2	)	)	PUNCT
cjfa-8202	237	3	future	future	ADJ
cjfa-8202	237	4	research	research	NOUN
cjfa-8202	237	5	recommendation	recommendation	NOUN
cjfa-8202	237	6	for	for	ADP
cjfa-8202	237	7	future	future	ADJ
cjfa-8202	237	8	research	research	NOUN
cjfa-8202	237	9	,	,	PUNCT
cjfa-8202	237	10	it	it	PRON
cjfa-8202	237	11	is	be	AUX
cjfa-8202	237	12	suggested	suggest	VERB
cjfa-8202	237	13	that	that	SCONJ
cjfa-8202	237	14	the	the	DET
cjfa-8202	237	15	object	object	NOUN
cjfa-8202	237	16	of	of	ADP
cjfa-8202	237	17	the	the	DET
cjfa-8202	237	18	research	research	NOUN
cjfa-8202	237	19	is	be	AUX
cjfa-8202	237	20	not	not	PART
cjfa-8202	237	21	limited	limit	VERB
cjfa-8202	237	22	to	to	ADP
cjfa-8202	237	23	only	only	ADV
cjfa-8202	237	24	middle	middle	VERB
cjfa-8202	237	25	and	and	CCONJ
cjfa-8202	237	26	top	top	ADJ
cjfa-8202	237	27	banks	bank	NOUN
cjfa-8202	237	28	but	but	CCONJ
cjfa-8202	237	29	also	also	ADV
cjfa-8202	237	30	to	to	ADP
cjfa-8202	237	31	all	all	DET
cjfa-8202	237	32	banks	bank	NOUN
cjfa-8202	237	33	that	that	PRON
cjfa-8202	237	34	are	be	AUX
cjfa-8202	237	35	listed	list	VERB
cjfa-8202	237	36	in	in	ADP
cjfa-8202	237	37	the	the	DET
cjfa-8202	237	38	indonesian	indonesian	ADJ
cjfa-8202	237	39	stock	stock	PROPN
cjfa-8202	237	40	exchange	exchange	PROPN
cjfa-8202	237	41	,	,	PUNCT
cjfa-8202	237	42	jakarta	jakarta	PROPN
cjfa-8202	237	43	so	so	SCONJ
cjfa-8202	237	44	that	that	SCONJ
cjfa-8202	237	45	the	the	DET
cjfa-8202	237	46	samples	sample	NOUN
cjfa-8202	237	47	are	be	AUX
cjfa-8202	237	48	distributed	distribute	VERB
cjfa-8202	237	49	more	more	ADV
cjfa-8202	237	50	widely	widely	ADV
cjfa-8202	237	51	.	.	PUNCT
cjfa-8202	237	52	 	 	SPACE
cjfa-8202	238	1	references	reference	NOUN
cjfa-8202	238	2	andersen	andersen	PROPN
cjfa-8202	238	3	,	,	PUNCT
cjfa-8202	238	4	h.	h.	PROPN
cjfa-8202	238	5	(	(	PUNCT
cjfa-8202	238	6	2012	2012	NUM
cjfa-8202	238	7	)	)	PUNCT
cjfa-8202	238	8	.	.	PUNCT
cjfa-8202	239	1	effects	effect	NOUN
cjfa-8202	239	2	of	of	ADP
cjfa-8202	239	3	changing	change	VERB
cjfa-8202	239	4	banks	bank	NOUN
cjfa-8202	239	5	’	'	PUNCT
cjfa-8202	239	6	risk	risk	NOUN
cjfa-8202	239	7	weights	weight	NOUN
cjfa-8202	239	8	,	,	PUNCT
cjfa-8202	239	9	norges	norge	VERB
cjfa-8202	239	10	bank	bank	NOUN
cjfa-8202	239	11	.	.	PUNCT
cjfa-8202	240	1	arbuckle	arbuckle	PROPN
cjfa-8202	240	2	(	(	PUNCT
cjfa-8202	240	3	1997	1997	NUM
cjfa-8202	240	4	)	)	PUNCT
cjfa-8202	240	5	.	.	PUNCT
cjfa-8202	241	1	jl	jl	PROPN
cjfa-8202	241	2	.	.	PROPN
cjfa-8202	241	3	amos	amos	PROPN
cjfa-8202	241	4	,	,	PUNCT
cjfa-8202	241	5	computer	computer	NOUN
cjfa-8202	241	6	software	software	NOUN
cjfa-8202	241	7	.	.	PUNCT
cjfa-8202	242	1	chicago	chicago	PROPN
cjfa-8202	242	2	:	:	PUNCT
cjfa-8202	242	3	small	small	ADJ
cjfa-8202	242	4	waters	water	NOUN
cjfa-8202	242	5	.	.	PUNCT
cjfa-8202	243	1	argyris	argyris	PROPN
cjfa-8202	243	2	,	,	PUNCT
cjfa-8202	243	3	c.	c.	PROPN
cjfa-8202	243	4	(	(	PUNCT
cjfa-8202	243	5	1952	1952	NUM
cjfa-8202	243	6	)	)	PUNCT
cjfa-8202	243	7	.	.	PUNCT
cjfa-8202	244	1	the	the	DET
cjfa-8202	244	2	impact	impact	NOUN
cjfa-8202	244	3	of	of	ADP
cjfa-8202	244	4	budget	budget	NOUN
cjfa-8202	244	5	on	on	ADP
cjfa-8202	244	6	people	people	NOUN
cjfa-8202	244	7	,	,	PUNCT
cjfa-8202	244	8	ithaca	ithaca	PROPN
cjfa-8202	244	9	,	,	PUNCT
cjfa-8202	244	10	ny	ny	PROPN
cjfa-8202	244	11	:	:	PUNCT
cjfa-8202	244	12	the	the	DET
cjfa-8202	244	13	controllership	controllership	NOUN
cjfa-8202	244	14	foundation	foundation	PROPN
cjfa-8202	244	15	,	,	PUNCT
cjfa-8202	244	16	inc	inc	PROPN
cjfa-8202	244	17	.	.	PROPN
cjfa-8202	244	18	cornell	cornell	PROPN
cjfa-8202	244	19	university	university	PROPN
cjfa-8202	244	20	.	.	PUNCT
cjfa-8202	245	1	augusty	augusty	PROPN
cjfa-8202	245	2	,	,	PUNCT
cjfa-8202	245	3	f.	f.	PROPN
cjfa-8202	245	4	(	(	PUNCT
cjfa-8202	245	5	2006	2006	NUM
cjfa-8202	245	6	)	)	PUNCT
cjfa-8202	245	7	.	.	PUNCT
cjfa-8202	246	1	metode	metode	PROPN
cjfa-8202	246	2	penelitian	penelitian	PROPN
cjfa-8202	246	3	manajemen	manajeman	NOUN
cjfa-8202	246	4	:	:	PUNCT
cjfa-8202	246	5	pedoman	pedoman	NOUN
cjfa-8202	246	6	penelitian	penelitian	PROPN
cjfa-8202	246	7	ilmu	ilmu	PROPN
cjfa-8202	246	8	manajemen	manajemen	PROPN
cjfa-8202	246	9	,	,	PUNCT
cjfa-8202	246	10	semarang	semarang	PROPN
cjfa-8202	246	11	:	:	PUNCT
cjfa-8202	246	12	bp	bp	PROPN
cjfa-8202	246	13	universitas	universita	NOUN
cjfa-8202	246	14	diponegoro	diponegoro	PROPN
cjfa-8202	246	15	.	.	PUNCT
cjfa-8202	247	1	aziz	aziz	PROPN
cjfa-8202	247	2	,	,	PUNCT
cjfa-8202	247	3	j.	j.	PROPN
cjfa-8202	247	4	,	,	PUNCT
cjfa-8202	247	5	&	&	CCONJ
cjfa-8202	247	6	charupat	charupat	NOUN
cjfa-8202	247	7	,	,	PUNCT
cjfa-8202	247	8	n.	n.	NOUN
cjfa-8202	247	9	(	(	PUNCT
cjfa-8202	247	10	1998	1998	NUM
cjfa-8202	247	11	)	)	PUNCT
cjfa-8202	247	12	.	.	PUNCT
cjfa-8202	248	1	calculating	calculate	VERB
cjfa-8202	248	2	credit	credit	NOUN
cjfa-8202	248	3	exposure	exposure	NOUN
cjfa-8202	248	4	and	and	CCONJ
cjfa-8202	248	5	credit	credit	NOUN
cjfa-8202	248	6	loss	loss	NOUN
cjfa-8202	248	7	.	.	PUNCT
cjfa-8202	249	1	algo	algo	PROPN
cjfa-8202	249	2	research	research	PROPN
cjfa-8202	249	3	quarterly	quarterly	ADV
cjfa-8202	249	4	,	,	PUNCT
cjfa-8202	249	5	1	1	NUM
cjfa-8202	249	6	(	(	PUNCT
cjfa-8202	249	7	1	1	NUM
cjfa-8202	249	8	)	)	PUNCT
cjfa-8202	249	9	.	.	PUNCT
cjfa-8202	250	1	bank	bank	PROPN
cjfa-8202	250	2	for	for	ADP
cjfa-8202	250	3	international	international	ADJ
cjfa-8202	250	4	settlement	settlement	NOUN
cjfa-8202	250	5	(	(	PUNCT
cjfa-8202	250	6	1998	1998	NUM
cjfa-8202	250	7	)	)	PUNCT
cjfa-8202	250	8	.	.	PUNCT
cjfa-8202	251	1	international	international	ADJ
cjfa-8202	251	2	convergence	convergence	NOUN
cjfa-8202	251	3	of	of	ADP
cjfa-8202	251	4	capital	capital	NOUN
cjfa-8202	251	5	measurement	measurement	NOUN
cjfa-8202	251	6	and	and	CCONJ
cjfa-8202	251	7	capital	capital	NOUN
cjfa-8202	251	8	standard	standard	PROPN
cjfa-8202	251	9	,	,	PUNCT
cjfa-8202	251	10	basle	basle	PROPN
cjfa-8202	251	11	commitee	commitee	PROPN
cjfa-8202	251	12	on	on	ADP
cjfa-8202	251	13	banking	banking	NOUN
cjfa-8202	251	14	supervision	supervision	NOUN
cjfa-8202	251	15	.	.	PUNCT
cjfa-8202	252	1	bessis	bessis	PROPN
cjfa-8202	252	2	,	,	PUNCT
cjfa-8202	252	3	j.	j.	PROPN
cjfa-8202	252	4	(	(	PUNCT
cjfa-8202	252	5	1998	1998	NUM
cjfa-8202	252	6	)	)	PUNCT
cjfa-8202	252	7	.	.	PUNCT
cjfa-8202	253	1	risk	risk	NOUN
cjfa-8202	253	2	management	management	NOUN
cjfa-8202	253	3	in	in	ADP
cjfa-8202	253	4	banking	banking	NOUN
cjfa-8202	253	5	,	,	PUNCT
cjfa-8202	253	6	john	john	PROPN
cjfa-8202	253	7	wiley	wiley	PROPN
cjfa-8202	253	8	&	&	CCONJ
cjfa-8202	253	9	sons	son	NOUN
cjfa-8202	253	10	,	,	PUNCT
cjfa-8202	253	11	new	new	PROPN
cjfa-8202	253	12	york	york	PROPN
cjfa-8202	253	13	.	.	PUNCT
cjfa-8202	254	1	bielecki	bielecki	PROPN
cjfa-8202	254	2	,	,	PUNCT
cjfa-8202	254	3	t.	t.	PROPN
cjfa-8202	254	4	r.	r.	PROPN
cjfa-8202	254	5	,	,	PUNCT
cjfa-8202	254	6	&	&	CCONJ
cjfa-8202	254	7	rutkowski	rutkowski	PROPN
cjfa-8202	254	8	,	,	PUNCT
cjfa-8202	254	9	m.	m.	NOUN
cjfa-8202	254	10	(	(	PUNCT
cjfa-8202	254	11	2002	2002	NUM
cjfa-8202	254	12	)	)	PUNCT
cjfa-8202	254	13	.	.	PUNCT
cjfa-8202	255	1	credit	credit	NOUN
cjfa-8202	255	2	risk	risk	NOUN
cjfa-8202	255	3	:	:	PUNCT
cjfa-8202	256	1	modeling	modeling	NOUN
cjfa-8202	256	2	,	,	PUNCT
cjfa-8202	256	3	valuation	valuation	NOUN
cjfa-8202	256	4	and	and	CCONJ
cjfa-8202	256	5	hedging	hedging	NOUN
cjfa-8202	256	6	,	,	PUNCT
cjfa-8202	256	7	springer	springer	NOUN
cjfa-8202	256	8	berlin	berlin	PROPN
cjfa-8202	256	9	-	-	PUNCT
cjfa-8202	256	10	newyork	newyork	NOUN
cjfa-8202	256	11	.	.	PUNCT
cjfa-8202	257	1	bradley	bradley	PROPN
cjfa-8202	257	2	,	,	PUNCT
cjfa-8202	257	3	m.	m.	NOUN
cjfa-8202	257	4	g.	g.	PROPN
cjfa-8202	257	5	,	,	PUNCT
cjfa-8202	257	6	wambeke	wambeke	PROPN
cjfa-8202	257	7	,	,	PUNCT
cjfa-8202	257	8	c.a	c.a	PROPN
cjfa-8202	257	9	.	.	PROPN
cjfa-8202	257	10	,	,	PUNCT
cjfa-8202	257	11	&	&	CCONJ
cjfa-8202	257	12	whidbee	whidbee	NOUN
cjfa-8202	257	13	,	,	PUNCT
cjfa-8202	257	14	d.a	d.a	PROPN
cjfa-8202	257	15	.	.	PROPN
cjfa-8202	257	16	(	(	PUNCT
cjfa-8202	257	17	1991	1991	NUM
cjfa-8202	257	18	)	)	PUNCT
cjfa-8202	257	19	.	.	PUNCT
cjfa-8202	258	1	risk	risk	NOUN
cjfa-8202	258	2	weights	weight	NOUN
cjfa-8202	258	3	,	,	PUNCT
cjfa-8202	258	4	risk	risk	NOUN
cjfa-8202	258	5	-	-	PUNCT
cjfa-8202	258	6	based	base	VERB
cjfa-8202	258	7	capital	capital	NOUN
cjfa-8202	258	8	and	and	CCONJ
cjfa-8202	258	9	deposit	deposit	NOUN
cjfa-8202	258	10	insurance	insurance	NOUN
cjfa-8202	258	11	.	.	PUNCT
cjfa-8202	259	1	journal	journal	NOUN
cjfa-8202	259	2	of	of	ADP
cjfa-8202	259	3	banking	banking	NOUN
cjfa-8202	259	4	and	and	CCONJ
cjfa-8202	259	5	finance	finance	NOUN
cjfa-8202	259	6	,	,	PUNCT
cjfa-8202	259	7	15	15	NUM
cjfa-8202	259	8	(	(	PUNCT
cjfa-8202	259	9	august	august	PROPN
cjfa-8202	259	10	)	)	PUNCT
cjfa-8202	259	11	,	,	PUNCT
cjfa-8202	259	12	875	875	NUM
cjfa-8202	259	13	-	-	SYM
cjfa-8202	259	14	893	893	NUM
cjfa-8202	259	15	.	.	PUNCT
cjfa-8202	260	1	http://dx.doi.org/10.1016/0378-4266(91)90104-t	http://dx.doi.org/10.1016/0378-4266(91)90104-t	PROPN
cjfa-8202	260	2	.	.	PUNCT
cjfa-8202	260	3	difi	difi	PROPN
cjfa-8202	260	4	,	,	PUNCT
cjfa-8202	260	5	a.	a.	NOUN
cjfa-8202	260	6	(	(	PUNCT
cjfa-8202	260	7	2013	2013	NUM
cjfa-8202	260	8	)	)	PUNCT
cjfa-8202	260	9	.	.	PUNCT
cjfa-8202	261	1	kredit	kredit	PROPN
cjfa-8202	261	2	perbankan	perbankan	PROPN
cjfa-8202	261	3	melambat	melambat	PROPN
cjfa-8202	261	4	di	di	PROPN
cjfa-8202	261	5	2012	2012	NUM
cjfa-8202	261	6	,	,	PUNCT
cjfa-8202	261	7	kontan	kontan	PROPN
cjfa-8202	261	8	.	.	PUNCT
cjfa-8202	262	1	the	the	DET
cjfa-8202	262	2	study	study	NOUN
cjfa-8202	262	3	of	of	ADP
cjfa-8202	262	4	risk	risk	NOUN
cjfa-8202	262	5	-	-	PUNCT
cjfa-8202	262	6	weighted	weight	VERB
cjfa-8202	262	7	assets	asset	NOUN
cjfa-8202	262	8	on	on	ADP
cjfa-8202	262	9	the	the	DET
cjfa-8202	262	10	effects	effect	NOUN
cjfa-8202	262	11	of	of	ADP
cjfa-8202	262	12	loan	loan	NOUN
cjfa-8202	262	13	…	…	PUNCT
cjfa-8202	262	14	175	175	NUM
cjfa-8202	262	15	ghozali	ghozali	NOUN
cjfa-8202	262	16	,	,	PUNCT
cjfa-8202	262	17	i.	i.	PROPN
cjfa-8202	262	18	(	(	PUNCT
cjfa-8202	262	19	2008	2008	NUM
cjfa-8202	262	20	)	)	PUNCT
cjfa-8202	262	21	.	.	PUNCT
cjfa-8202	263	1	model	model	PROPN
cjfa-8202	263	2	persamaan	persamaan	PROPN
cjfa-8202	263	3	struktural	struktural	PROPN
cjfa-8202	263	4	konsep	konsep	PROPN
cjfa-8202	263	5	dan	dan	PROPN
cjfa-8202	263	6	aplikasi	aplikasi	PROPN
cjfa-8202	263	7	dengan	dengan	PROPN
cjfa-8202	263	8	program	program	PROPN
cjfa-8202	263	9	amos	amos	PROPN
cjfa-8202	263	10	16.0	16.0	NUM
cjfa-8202	263	11	,	,	PUNCT
cjfa-8202	263	12	badan	badan	PROPN
cjfa-8202	263	13	penerbit	penerbit	PROPN
cjfa-8202	263	14	undip	undip	PROPN
cjfa-8202	263	15	,	,	PUNCT
cjfa-8202	263	16	semarang	semarang	PROPN
cjfa-8202	263	17	.	.	PROPN
cjfa-8202	263	18	govindarajan	govindarajan	PROPN
cjfa-8202	263	19	,	,	PUNCT
cjfa-8202	263	20	a.	a.	NOUN
cjfa-8202	263	21	(	(	PUNCT
cjfa-8202	263	22	2005	2005	NUM
cjfa-8202	263	23	)	)	PUNCT
cjfa-8202	263	24	.	.	PUNCT
cjfa-8202	264	1	management	management	NOUN
cjfa-8202	264	2	control	control	NOUN
cjfa-8202	264	3	system	system	NOUN
cjfa-8202	264	4	,	,	PUNCT
cjfa-8202	264	5	penerbit	penerbit	NOUN
cjfa-8202	264	6	.	.	PUNCT
cjfa-8202	265	1	salemba	salemba	PROPN
cjfa-8202	265	2	empat	empat	PROPN
cjfa-8202	265	3	,	,	PUNCT
cjfa-8202	265	4	jakarta	jakarta	PROPN
cjfa-8202	265	5	.	.	PUNCT
cjfa-8202	266	1	hair	hair	NOUN
cjfa-8202	266	2	,	,	PUNCT
cjfa-8202	266	3	j.	j.	PROPN
cjfa-8202	266	4	f.	f.	PROPN
cjfa-8202	266	5	jr	jr	PROPN
cjfa-8202	266	6	.	.	PROPN
cjfa-8202	266	7	,	,	PUNCT
cjfa-8202	266	8	anderson	anderson	PROPN
cjfa-8202	266	9	,	,	PUNCT
cjfa-8202	266	10	r.	r.	PROPN
cjfa-8202	266	11	,	,	PUNCT
cjfa-8202	266	12	tatham	tatham	PROPN
cjfa-8202	266	13	,	,	PUNCT
cjfa-8202	266	14	r.	r.	PROPN
cjfa-8202	266	15	,	,	PUNCT
cjfa-8202	266	16	&	&	CCONJ
cjfa-8202	266	17	w.	w.	PROPN
cjfa-8202	266	18	c.	c.	PROPN
cjfa-8202	266	19	(	(	PUNCT
cjfa-8202	266	20	1998	1998	NUM
cjfa-8202	266	21	)	)	PUNCT
cjfa-8202	266	22	.	.	PUNCT
cjfa-8202	267	1	multivariate	multivariate	NOUN
cjfa-8202	267	2	data	datum	NOUN
cjfa-8202	267	3	analysis	analysis	NOUN
cjfa-8202	267	4	(	(	PUNCT
cjfa-8202	267	5	5th	5th	ADJ
cjfa-8202	267	6	ed	ed	NOUN
cjfa-8202	267	7	.	.	PUNCT
cjfa-8202	267	8	)	)	PUNCT
cjfa-8202	267	9	.	.	PUNCT
cjfa-8202	268	1	upper	upper	ADJ
cjfa-8202	268	2	saddle	saddle	PROPN
cjfa-8202	268	3	river	river	PROPN
cjfa-8202	268	4	,	,	PUNCT
cjfa-8202	268	5	nj	nj	PROPN
cjfa-8202	268	6	:	:	PUNCT
cjfa-8202	268	7	prentice	prentice	PROPN
cjfa-8202	268	8	hall	hall	PROPN
cjfa-8202	268	9	.	.	PUNCT
cjfa-8202	269	1	hopwood	hopwood	PROPN
cjfa-8202	269	2	,	,	PUNCT
cjfa-8202	269	3	a.	a.	NOUN
cjfa-8202	269	4	g.	g.	PROPN
cjfa-8202	269	5	(	(	PUNCT
cjfa-8202	269	6	1972	1972	NUM
cjfa-8202	269	7	)	)	PUNCT
cjfa-8202	269	8	.	.	PUNCT
cjfa-8202	270	1	an	an	DET
cjfa-8202	270	2	empirical	empirical	ADJ
cjfa-8202	270	3	study	study	NOUN
cjfa-8202	270	4	of	of	ADP
cjfa-8202	270	5	the	the	DET
cjfa-8202	270	6	role	role	NOUN
cjfa-8202	270	7	of	of	ADP
cjfa-8202	270	8	accounting	accounting	NOUN
cjfa-8202	270	9	data	datum	NOUN
cjfa-8202	270	10	in	in	ADP
cjfa-8202	270	11	performance	performance	NOUN
cjfa-8202	270	12	evaluation	evaluation	NOUN
cjfa-8202	270	13	.	.	PUNCT
cjfa-8202	271	1	journal	journal	NOUN
cjfa-8202	271	2	of	of	ADP
cjfa-8202	271	3	accounting	accounting	NOUN
cjfa-8202	271	4	research	research	NOUN
cjfa-8202	271	5	,	,	PUNCT
cjfa-8202	271	6	10	10	NUM
cjfa-8202	271	7	,	,	PUNCT
cjfa-8202	271	8	156–182	156–182	NUM
cjfa-8202	271	9	.	.	PUNCT
cjfa-8202	272	1	http://dx.doi	http://dx.doi	NOUN
cjfa-8202	272	2	.	.	PUNCT
cjfa-8202	273	1	org/10.2307/2489870	org/10.2307/2489870	PROPN
cjfa-8202	273	2	.	.	PROPN
cjfa-8202	273	3	huczynski	huczynski	PROPN
cjfa-8202	273	4	,	,	PUNCT
cjfa-8202	273	5	a.	a.	NOUN
cjfa-8202	273	6	a.	a.	PROPN
cjfa-8202	273	7	,	,	PUNCT
cjfa-8202	273	8	&	&	CCONJ
cjfa-8202	273	9	buchanan	buchanan	PROPN
cjfa-8202	273	10	,	,	PUNCT
cjfa-8202	273	11	d.a	d.a	PROPN
cjfa-8202	273	12	.	.	PROPN
cjfa-8202	273	13	(	(	PUNCT
cjfa-8202	273	14	1991	1991	NUM
cjfa-8202	273	15	)	)	PUNCT
cjfa-8202	273	16	.	.	PUNCT
cjfa-8202	274	1	organizational	organizational	ADJ
cjfa-8202	274	2	behaviour	behaviour	NOUN
cjfa-8202	274	3	:	:	PUNCT
cjfa-8202	274	4	an	an	DET
cjfa-8202	274	5	introductory	introductory	ADJ
cjfa-8202	274	6	text	text	NOUN
cjfa-8202	274	7	.	.	PUNCT
cjfa-8202	275	1	(	(	PUNCT
cjfa-8202	275	2	2nded	2nded	NUM
cjfa-8202	275	3	)	)	PUNCT
cjfa-8202	275	4	.	.	PUNCT
cjfa-8202	276	1	new	new	PROPN
cjfa-8202	276	2	york	york	PROPN
cjfa-8202	276	3	:	:	PUNCT
cjfa-8202	276	4	prentice	prentice	PROPN
cjfa-8202	276	5	hall	hall	PROPN
cjfa-8202	276	6	.	.	PUNCT
cjfa-8202	277	1	kountur	kountur	PROPN
cjfa-8202	277	2	,	,	PUNCT
cjfa-8202	277	3	r.	r.	PROPN
cjfa-8202	277	4	(	(	PUNCT
cjfa-8202	277	5	2006	2006	NUM
cjfa-8202	277	6	)	)	PUNCT
cjfa-8202	277	7	.	.	PUNCT
cjfa-8202	278	1	manajemen	manajeman	NOUN
cjfa-8202	278	2	resiko	resiko	PROPN
cjfa-8202	278	3	,	,	PUNCT
cjfa-8202	278	4	abdi	abdi	PROPN
cjfa-8202	278	5	tandur	tandur	PROPN
cjfa-8202	278	6	,	,	PUNCT
cjfa-8202	278	7	jakarta	jakarta	PROPN
cjfa-8202	278	8	.	.	PUNCT
cjfa-8202	279	1	le	le	PROPN
cjfa-8202	279	2	leslé	leslé	PROPN
cjfa-8202	279	3	,	,	PUNCT
cjfa-8202	279	4	v.	v.	ADV
cjfa-8202	279	5	,	,	PUNCT
cjfa-8202	279	6	&	&	CCONJ
cjfa-8202	279	7	avramova	avramova	PROPN
cjfa-8202	279	8	,	,	PUNCT
cjfa-8202	279	9	s.	s.	PROPN
cjfa-8202	279	10	(	(	PUNCT
cjfa-8202	279	11	2012	2012	NUM
cjfa-8202	279	12	)	)	PUNCT
cjfa-8202	279	13	.	.	PUNCT
cjfa-8202	280	1	revisiting	revisit	VERB
cjfa-8202	280	2	risk	risk	NOUN
cjfa-8202	280	3	-	-	PUNCT
cjfa-8202	280	4	weighted	weight	VERB
cjfa-8202	280	5	assets	asset	NOUN
cjfa-8202	280	6	.	.	PUNCT
cjfa-8202	281	1	imf	imf	PROPN
cjfa-8202	281	2	working	working	PROPN
cjfa-8202	281	3	paper	paper	NOUN
cjfa-8202	281	4	,	,	PUNCT
cjfa-8202	281	5	monetary	monetary	ADJ
cjfa-8202	281	6	and	and	CCONJ
cjfa-8202	281	7	capital	capital	NOUN
cjfa-8202	281	8	markets	market	NOUN
cjfa-8202	281	9	department	department	NOUN
cjfa-8202	281	10	.	.	PUNCT
cjfa-8202	282	1	megasari	megasari	PROPN
cjfa-8202	282	2	,	,	PUNCT
cjfa-8202	282	3	d.	d.	PROPN
cjfa-8202	282	4	(	(	PUNCT
cjfa-8202	282	5	2012	2012	NUM
cjfa-8202	282	6	)	)	PUNCT
cjfa-8202	282	7	.	.	PUNCT
cjfa-8202	283	1	lonjakan	lonjakan	PROPN
cjfa-8202	283	2	npl	npl	PROPN
cjfa-8202	283	3	mengancam	mengancam	PROPN
cjfa-8202	283	4	perbankan	perbankan	PROPN
cjfa-8202	283	5	tahun	tahun	PROPN
cjfa-8202	283	6	2013	2013	NUM
cjfa-8202	283	7	,	,	PUNCT
cjfa-8202	283	8	kontan	kontan	PROPN
cjfa-8202	283	9	.	.	PUNCT
cjfa-8202	284	1	nosworthy	nosworthy	PROPN
cjfa-8202	284	2	,	,	PUNCT
cjfa-8202	284	3	j.	j.	PROPN
cjfa-8202	284	4	d.	d.	PROPN
cjfa-8202	284	5	(	(	PUNCT
cjfa-8202	284	6	2000	2000	NUM
cjfa-8202	284	7	)	)	PUNCT
cjfa-8202	284	8	.	.	PUNCT
cjfa-8202	285	1	a	a	DET
cjfa-8202	285	2	practical	practical	ADJ
cjfa-8202	285	3	risk	risk	NOUN
cjfa-8202	285	4	analysis	analysis	NOUN
cjfa-8202	285	5	approach	approach	NOUN
cjfa-8202	285	6	:	:	PUNCT
cjfa-8202	285	7	managing	manage	VERB
cjfa-8202	285	8	bcm	bcm	NOUN
cjfa-8202	285	9	risk	risk	NOUN
cjfa-8202	285	10	.	.	PUNCT
cjfa-8202	286	1	computers	computer	NOUN
cjfa-8202	286	2	&	&	CCONJ
cjfa-8202	286	3	security	security	NOUN
cjfa-8202	286	4	,	,	PUNCT
cjfa-8202	286	5	19	19	NUM
cjfa-8202	286	6	(	(	PUNCT
cjfa-8202	286	7	4	4	NUM
cjfa-8202	286	8	)	)	PUNCT
cjfa-8202	286	9	.	.	PUNCT
cjfa-8202	287	1	http://dx.doi.org/10.1016/s0167-4048(00)07020-6	http://dx.doi.org/10.1016/s0167-4048(00)07020-6	PROPN
cjfa-8202	287	2	.	.	PROPN
cjfa-8202	287	3	otley	otley	PROPN
cjfa-8202	287	4	,	,	PUNCT
cjfa-8202	287	5	d.	d.	PROPN
cjfa-8202	287	6	t.	t.	PROPN
cjfa-8202	287	7	(	(	PUNCT
cjfa-8202	287	8	1978	1978	NUM
cjfa-8202	287	9	)	)	PUNCT
cjfa-8202	287	10	.	.	PUNCT
cjfa-8202	288	1	budget	budget	NOUN
cjfa-8202	288	2	use	use	NOUN
cjfa-8202	288	3	and	and	CCONJ
cjfa-8202	288	4	managerial	managerial	ADJ
cjfa-8202	288	5	performance	performance	NOUN
cjfa-8202	288	6	.	.	PUNCT
cjfa-8202	289	1	journal	journal	NOUN
cjfa-8202	289	2	of	of	ADP
cjfa-8202	289	3	accounting	accounting	NOUN
cjfa-8202	289	4	research	research	NOUN
cjfa-8202	289	5	,	,	PUNCT
cjfa-8202	289	6	16	16	NUM
cjfa-8202	289	7	(	(	PUNCT
cjfa-8202	289	8	1	1	NUM
cjfa-8202	289	9	)	)	PUNCT
cjfa-8202	289	10	,	,	PUNCT
cjfa-8202	289	11	122–149	122–149	NUM
cjfa-8202	289	12	.	.	PUNCT
cjfa-8202	290	1	http://dx.doi.org/10.2307/2490414	http://dx.doi.org/10.2307/2490414	PROPN
cjfa-8202	290	2	.	.	PUNCT
cjfa-8202	291	1	retnadi	retnadi	PROPN
cjfa-8202	291	2	,	,	PUNCT
cjfa-8202	291	3	d.	d.	PROPN
cjfa-8202	291	4	(	(	PUNCT
cjfa-8202	291	5	2006	2006	NUM
cjfa-8202	291	6	)	)	PUNCT
cjfa-8202	291	7	.	.	PUNCT
cjfa-8202	292	1	memilih	memilih	PROPN
cjfa-8202	292	2	bank	bank	PROPN
cjfa-8202	292	3	yang	yang	PROPN
cjfa-8202	292	4	sehat	sehat	PROPN
cjfa-8202	292	5	,	,	PUNCT
cjfa-8202	292	6	elex	elex	PROPN
cjfa-8202	292	7	media	media	PROPN
cjfa-8202	292	8	komputindo	komputindo	PROPN
cjfa-8202	292	9	,	,	PUNCT
cjfa-8202	292	10	jakarta	jakarta	PROPN
cjfa-8202	292	11	.	.	PUNCT
cjfa-8202	293	1	saunders	saunders	PROPN
cjfa-8202	293	2	,	,	PUNCT
cjfa-8202	293	3	a.	a.	NOUN
cjfa-8202	293	4	(	(	PUNCT
cjfa-8202	293	5	1999	1999	NUM
cjfa-8202	293	6	)	)	PUNCT
cjfa-8202	293	7	.	.	PUNCT
cjfa-8202	294	1	credit	credit	NOUN
cjfa-8202	294	2	risk	risk	NOUN
cjfa-8202	294	3	measurement	measurement	NOUN
cjfa-8202	294	4	:	:	PUNCT
cjfa-8202	294	5	new	new	ADJ
cjfa-8202	294	6	approaches	approach	NOUN
cjfa-8202	294	7	to	to	PART
cjfa-8202	294	8	value	value	VERB
cjfa-8202	294	9	at	at	ADP
cjfa-8202	294	10	risk	risk	NOUN
cjfa-8202	294	11	and	and	CCONJ
cjfa-8202	294	12	other	other	ADJ
cjfa-8202	294	13	paradigms	paradigm	NOUN
cjfa-8202	294	14	,	,	PUNCT
cjfa-8202	294	15	john	john	PROPN
cjfa-8202	294	16	wiley	wiley	PROPN
cjfa-8202	294	17	&	&	CCONJ
cjfa-8202	294	18	sons	sons	PROPN
cjfa-8202	294	19	inc	inc	PROPN
cjfa-8202	294	20	.	.	PROPN
cjfa-8202	294	21	,	,	PUNCT
cjfa-8202	294	22	canada	canada	PROPN
cjfa-8202	294	23	.	.	PUNCT
cjfa-8202	295	1	smith	smith	PROPN
cjfa-8202	295	2	,	,	PUNCT
cjfa-8202	295	3	p.	p.	PROPN
cjfa-8202	295	4	j.	j.	PROPN
cjfa-8202	296	1	(	(	PUNCT
cjfa-8202	296	2	1990	1990	NUM
cjfa-8202	296	3	)	)	PUNCT
cjfa-8202	296	4	.	.	PUNCT
cjfa-8202	297	1	redefining	redefine	VERB
cjfa-8202	297	2	decision	decision	NOUN
cjfa-8202	297	3	:	:	PUNCT
cjfa-8202	297	4	implications	implication	NOUN
cjfa-8202	297	5	for	for	ADP
cjfa-8202	297	6	managing	manage	VERB
cjfa-8202	297	7	risk	risk	NOUN
cjfa-8202	297	8	and	and	CCONJ
cjfa-8202	297	9	uncertainty	uncertainty	NOUN
cjfa-8202	297	10	.	.	PUNCT
cjfa-8202	298	1	journal	journal	PROPN
cjfa-8202	298	2	disaster	disaster	NOUN
cjfa-8202	298	3	,	,	PUNCT
cjfa-8202	298	4	14	14	NUM
cjfa-8202	298	5	(	(	PUNCT
cjfa-8202	298	6	3	3	NUM
cjfa-8202	298	7	)	)	PUNCT
cjfa-8202	298	8	,	,	PUNCT
cjfa-8202	298	9	230–240	230–240	NUM
cjfa-8202	298	10	.	.	PUNCT
cjfa-8202	299	1	http://dx.doi.org/10.1111/j.1467-7717.1990	http://dx.doi.org/10.1111/j.1467-7717.1990	INTJ
cjfa-8202	299	2	.	.	PUNCT
cjfa-8202	300	1	tb01065.x	tb01065.x	NOUN
cjfa-8202	300	2	.	.	PUNCT
cjfa-8202	301	1	snell	snell	PROPN
cjfa-8202	301	2	s.	s.	PROPN
cjfa-8202	301	3	a.	a.	PROPN
cjfa-8202	301	4	(	(	PUNCT
cjfa-8202	301	5	1992	1992	NUM
cjfa-8202	301	6	)	)	PUNCT
cjfa-8202	301	7	.	.	PUNCT
cjfa-8202	302	1	control	control	PROPN
cjfa-8202	302	2	theory	theory	NOUN
cjfa-8202	302	3	in	in	ADP
cjfa-8202	302	4	strategic	strategic	ADJ
cjfa-8202	302	5	human	human	ADJ
cjfa-8202	302	6	resources	resource	NOUN
cjfa-8202	302	7	management	management	NOUN
cjfa-8202	302	8	:	:	PUNCT
cjfa-8202	302	9	the	the	DET
cjfa-8202	302	10	mediating	mediate	VERB
cjfa-8202	302	11	effect	effect	NOUN
cjfa-8202	302	12	of	of	ADP
cjfa-8202	302	13	administrative	administrative	ADJ
cjfa-8202	302	14	information	information	NOUN
cjfa-8202	302	15	,	,	PUNCT
cjfa-8202	302	16	academy	academy	NOUN
cjfa-8202	302	17	of	of	ADP
cjfa-8202	302	18	management	management	NOUN
cjfa-8202	302	19	journal	journal	NOUN
cjfa-8202	302	20	,	,	PUNCT
cjfa-8202	302	21	35	35	NUM
cjfa-8202	302	22	(	(	PUNCT
cjfa-8202	302	23	2	2	NUM
cjfa-8202	302	24	)	)	PUNCT
cjfa-8202	302	25	,	,	PUNCT
cjfa-8202	302	26	292–327	292–327	NUM
cjfa-8202	302	27	.	.	PUNCT
cjfa-8202	303	1	http://dx.doi.org/10.2307/256375	http://dx.doi.org/10.2307/256375	PROPN
cjfa-8202	303	2	.	.	PUNCT
cjfa-8202	304	1	sonali	sonali	PROPN
cjfa-8202	304	2	,	,	PUNCT
cjfa-8202	304	3	d.	d.	PROPN
cjfa-8202	304	4	,	,	PUNCT
cjfa-8202	304	5	&	&	CCONJ
cjfa-8202	304	6	amadou	amadou	NOUN
cjfa-8202	304	7	,	,	PUNCT
cjfa-8202	304	8	n.r	n.r	PROPN
cjfa-8202	304	9	.	.	PROPN
cjfa-8202	304	10	(	(	PUNCT
cjfa-8202	304	11	2012	2012	NUM
cjfa-8202	304	12	)	)	PUNCT
cjfa-8202	304	13	.	.	PUNCT
cjfa-8202	305	1	how	how	SCONJ
cjfa-8202	305	2	risky	risky	ADJ
cjfa-8202	305	3	are	be	AUX
cjfa-8202	305	4	banks	bank	NOUN
cjfa-8202	305	5	risk	risk	NOUN
cjfa-8202	305	6	weighted	weight	VERB
cjfa-8202	305	7	assets	asset	NOUN
cjfa-8202	305	8	?	?	PUNCT
cjfa-8202	306	1	evidence	evidence	NOUN
cjfa-8202	306	2	from	from	ADP
cjfa-8202	306	3	the	the	DET
cjfa-8202	306	4	financial	financial	ADJ
cjfa-8202	306	5	crisis	crisis	NOUN
cjfa-8202	306	6	.	.	PUNCT
cjfa-8202	307	1	imf	imf	PROPN
cjfa-8202	307	2	working	working	PROPN
cjfa-8202	307	3	paper	paper	NOUN
cjfa-8202	307	4	,	,	PUNCT
cjfa-8202	307	5	monetary	monetary	ADJ
cjfa-8202	307	6	and	and	CCONJ
cjfa-8202	307	7	capital	capital	NOUN
cjfa-8202	307	8	markets	market	NOUN
cjfa-8202	307	9	department	department	NOUN
cjfa-8202	307	10	.	.	PUNCT
cjfa-8202	308	1	stoneburner	stoneburner	PROPN
cjfa-8202	308	2	,	,	PUNCT
cjfa-8202	308	3	g.	g.	PROPN
cjfa-8202	308	4	,	,	PUNCT
cjfa-8202	308	5	goguen	goguen	PROPN
cjfa-8202	308	6	,	,	PUNCT
cjfa-8202	308	7	a.	a.	NOUN
cjfa-8202	308	8	,	,	PUNCT
cjfa-8202	308	9	&	&	CCONJ
cjfa-8202	308	10	feringa	feringa	PROPN
cjfa-8202	308	11	,	,	PUNCT
cjfa-8202	308	12	a.	a.	NOUN
cjfa-8202	308	13	(	(	PUNCT
cjfa-8202	308	14	2002	2002	NUM
cjfa-8202	308	15	)	)	PUNCT
cjfa-8202	308	16	.	.	PUNCT
cjfa-8202	309	1	risk	risk	NOUN
cjfa-8202	309	2	management	management	NOUN
cjfa-8202	309	3	guide	guide	NOUN
cjfa-8202	309	4	for	for	ADP
cjfa-8202	309	5	it	it	PRON
cjfa-8202	309	6	system	system	NOUN
cjfa-8202	309	7	,	,	PUNCT
cjfa-8202	309	8	gaithersburg	gaithersburg	PROPN
cjfa-8202	309	9	:	:	PUNCT
cjfa-8202	309	10	national	national	PROPN
cjfa-8202	309	11	institute	institute	PROPN
cjfa-8202	309	12	of	of	ADP
cjfa-8202	309	13	standards	standard	NOUN
cjfa-8202	309	14	and	and	CCONJ
cjfa-8202	309	15	technology	technology	NOUN
cjfa-8202	309	16	.	.	PUNCT
cjfa-8202	310	1	sugiarto	sugiarto	PROPN
cjfa-8202	310	2	,	,	PUNCT
cjfa-8202	310	3	f.	f.	PROPN
cjfa-8202	310	4	(	(	PUNCT
cjfa-8202	310	5	2006	2006	NUM
cjfa-8202	310	6	)	)	PUNCT
cjfa-8202	310	7	.	.	PUNCT
cjfa-8202	311	1	manajemen	manajeman	NOUN
cjfa-8202	311	2	resiko	resiko	VERB
cjfa-8202	311	3	perbankan	perbankan	PROPN
cjfa-8202	312	1	dalam	dalam	PROPN
cjfa-8202	312	2	konteks	konteks	PROPN
cjfa-8202	312	3	kesepakatan	kesepakatan	PROPN
cjfa-8202	312	4	basel	basel	PROPN
cjfa-8202	312	5	dan	dan	PROPN
cjfa-8202	312	6	peratuan	peratuan	PROPN
cjfa-8202	312	7	bank	bank	PROPN
cjfa-8202	312	8	indonesia	indonesia	PROPN
cjfa-8202	312	9	,	,	PUNCT
cjfa-8202	312	10	graha	graha	PROPN
cjfa-8202	312	11	ilmu	ilmu	PROPN
cjfa-8202	312	12	,	,	PUNCT
cjfa-8202	312	13	yogyakarta	yogyakarta	PROPN
cjfa-8202	312	14	.	.	PUNCT
cjfa-8202	312	15	 	 	SPACE
cjfa-8202	313	1	regulations	regulation	NOUN
cjfa-8202	313	2	bank	bank	PROPN
cjfa-8202	313	3	indonesia	indonesia	PROPN
cjfa-8202	313	4	(	(	PUNCT
cjfa-8202	313	5	1994	1994	NUM
cjfa-8202	313	6	)	)	PUNCT
cjfa-8202	313	7	.	.	PUNCT
cjfa-8202	314	1	tentang	tentang	PROPN
cjfa-8202	314	2	penyempurnaan	penyempurnaan	PROPN
cjfa-8202	314	3	pembentukan	pembentukan	VERB
cjfa-8202	314	4	penyisihan	penyisihan	PROPN
cjfa-8202	314	5	penghapusan	penghapusan	PROPN
cjfa-8202	314	6	aktiva	aktiva	PROPN
cjfa-8202	314	7	produktif	produktif	PROPN
cjfa-8202	314	8	,	,	PUNCT
cjfa-8202	314	9	se	se	PROPN
cjfa-8202	314	10	bi	bi	PROPN
cjfa-8202	314	11	no.26/4	no.26/4	PROPN
cjfa-8202	314	12	/	/	SYM
cjfa-8202	314	13	bppp	bppp	NOUN
cjfa-8202	314	14	29	29	NUM
cjfa-8202	314	15	mei	mei	PROPN
cjfa-8202	314	16	1994	1994	NUM
cjfa-8202	314	17	,	,	PUNCT
cjfa-8202	314	18	jakarta	jakarta	PROPN
cjfa-8202	314	19	.	.	PUNCT
cjfa-8202	315	1	bank	bank	PROPN
cjfa-8202	315	2	indonesia	indonesia	PROPN
cjfa-8202	315	3	(	(	PUNCT
cjfa-8202	315	4	2006	2006	NUM
cjfa-8202	315	5	)	)	PUNCT
cjfa-8202	315	6	.	.	PUNCT
cjfa-8202	316	1	peraturan	peraturan	PROPN
cjfa-8202	316	2	bank	bank	PROPN
cjfa-8202	316	3	indonesia	indonesia	PROPN
cjfa-8202	316	4	tentang	tentang	PROPN
cjfa-8202	316	5	kualitas	kualitas	PROPN
cjfa-8202	316	6	aktiva	aktiva	PROPN
cjfa-8202	316	7	produktif	produktif	PROPN
cjfa-8202	316	8	dan	dan	PROPN
cjfa-8202	316	9	pembentukan	pembentukan	PROPN
cjfa-8202	316	10	penyisihan	penyisihan	PROPN
cjfa-8202	316	11	penghapusan	penghapusan	PROPN
cjfa-8202	316	12	aktiva	aktiva	PROPN
cjfa-8202	316	13	produktif	produktif	PROPN
cjfa-8202	316	14	bank	bank	PROPN
cjfa-8202	316	15	perkreditan	perkreditan	PROPN
cjfa-8202	316	16	rakyat	rakyat	PROPN
cjfa-8202	316	17	.	.	PUNCT
cjfa-8202	317	1	nomor	nomor	PROPN
cjfa-8202	317	2	:	:	PUNCT
cjfa-8202	317	3	8/19	8/19	NUM
cjfa-8202	317	4	/	/	SYM
cjfa-8202	317	5	pbi/2006	pbi/2006	NOUN
cjfa-8202	317	6	,	,	PUNCT
cjfa-8202	317	7	jakarta	jakarta	PROPN
cjfa-8202	317	8	.	.	PUNCT
cjfa-8202	318	1	tigor	tigor	VERB
cjfa-8202	318	2	sitorus176	sitorus176	PROPN
cjfa-8202	318	3	bank	bank	PROPN
cjfa-8202	318	4	indonesia	indonesia	PROPN
cjfa-8202	318	5	(	(	PUNCT
cjfa-8202	318	6	2012	2012	NUM
cjfa-8202	318	7	)	)	PUNCT
cjfa-8202	318	8	.	.	PUNCT
cjfa-8202	319	1	peraturan	peraturan	PROPN
cjfa-8202	319	2	bank	bank	PROPN
cjfa-8202	319	3	indonesia	indonesia	PROPN
cjfa-8202	319	4	tentang	tentang	PROPN
cjfa-8202	319	5	kewajiban	kewajiban	PROPN
cjfa-8202	319	6	penyediaan	penyediaan	PROPN
cjfa-8202	319	7	modal	modal	PROPN
cjfa-8202	319	8	minimum	minimum	PROPN
cjfa-8202	319	9	bank	bank	PROPN
cjfa-8202	319	10	umum	umum	NOUN
cjfa-8202	319	11	,	,	PUNCT
cjfa-8202	319	12	14/	14/	NUM
cjfa-8202	319	13	18	18	NUM
cjfa-8202	319	14	/pbi/2012	/pbi/2012	PROPN
cjfa-8202	319	15	,	,	PUNCT
cjfa-8202	319	16	jakarta	jakarta	PROPN
cjfa-8202	319	17	.	.	PUNCT
cjfa-8202	320	1	bank	bank	PROPN
cjfa-8202	320	2	indonesia	indonesia	PROPN
cjfa-8202	320	3	(	(	PUNCT
cjfa-8202	320	4	2003	2003	NUM
cjfa-8202	320	5	)	)	PUNCT
cjfa-8202	320	6	.	.	PUNCT
cjfa-8202	321	1	penerapan	penerapan	PROPN
cjfa-8202	321	2	manajemen	manajemen	PROPN
cjfa-8202	321	3	risiko	risiko	PROPN
cjfa-8202	321	4	bagi	bagi	PROPN
cjfa-8202	321	5	bank	bank	PROPN
cjfa-8202	321	6	umum	umum	PROPN
cjfa-8202	321	7	,	,	PUNCT
cjfa-8202	321	8	peraturan	peraturan	NOUN
cjfa-8202	321	9	bank	bank	PROPN
cjfa-8202	321	10	indonesia	indonesia	PROPN
cjfa-8202	321	11	nomor	nomor	PROPN
cjfa-8202	321	12	5/8	5/8	NUM
cjfa-8202	321	13	/	/	SYM
cjfa-8202	321	14	pbi/2003	pbi/2003	X
cjfa-8202	321	15	tanggal	tanggal	PROPN
cjfa-8202	321	16	19	19	NUM
cjfa-8202	321	17	mei	mei	PROPN
cjfa-8202	321	18	2003	2003	NUM
cjfa-8202	321	19	,	,	PUNCT
cjfa-8202	321	20	jakarta	jakarta	PROPN
cjfa-8202	321	21	.	.	PUNCT
cjfa-8202	322	1	republik	republik	PROPN
cjfa-8202	322	2	indonesia	indonesia	PROPN
cjfa-8202	322	3	(	(	PUNCT
cjfa-8202	322	4	1998	1998	NUM
cjfa-8202	322	5	)	)	PUNCT
cjfa-8202	322	6	.	.	PUNCT
cjfa-8202	323	1	undang	undang	PROPN
cjfa-8202	323	2	-	-	PUNCT
cjfa-8202	323	3	undang	undang	PROPN
cjfa-8202	323	4	nomor	nomor	PROPN
cjfa-8202	323	5	10	10	NUM
cjfa-8202	323	6	tahun	tahun	PROPN
cjfa-8202	323	7	1998	1998	NUM
cjfa-8202	323	8	tentang	tentang	PROPN
cjfa-8202	323	9	perubahan	perubahan	PROPN
cjfa-8202	323	10	undang	undang	PROPN
cjfa-8202	323	11	-	-	PUNCT
cjfa-8202	323	12	undang	undang	PROPN
cjfa-8202	323	13	no	no	INTJ
cjfa-8202	323	14	.	.	PROPN
cjfa-8202	323	15	7	7	NUM
cjfa-8202	323	16	tahun	tahun	PROPN
cjfa-8202	323	17	1992	1992	NUM
cjfa-8202	323	18	tentang	tentang	PROPN
cjfa-8202	323	19	perbankan	perbankan	PROPN
cjfa-8202	323	20	.	.	PUNCT
cjfa-8202	324	1	jakarta	jakarta	PROPN
cjfa-8202	324	2	.	.	PUNCT