id	sid	tid	token	lemma	pos
easat-11367	1	1	edelweiss	edelweiss	PROPN
easat-11367	1	2	applied	apply	VERB
easat-11367	1	3	science	science	NOUN
easat-11367	1	4	and	and	CCONJ
easat-11367	1	5	technology	technology	NOUN
easat-11367	1	6	issn	issn	PROPN
easat-11367	1	7	:	:	PUNCT
easat-11367	1	8	2576	2576	NUM
easat-11367	1	9	-	-	SYM
easat-11367	1	10	8484	8484	NUM
easat-11367	1	11	vol	vol	NOUN
easat-11367	1	12	.	.	PROPN
easat-11367	2	1	9	9	NUM
easat-11367	2	2	,	,	PUNCT
easat-11367	2	3	no	no	INTJ
easat-11367	2	4	.	.	NOUN
easat-11367	2	5	12	12	NUM
easat-11367	2	6	,	,	PUNCT
easat-11367	2	7	351	351	NUM
easat-11367	2	8	-	-	SYM
easat-11367	2	9	363	363	NUM
easat-11367	2	10	2025	2025	NUM
easat-11367	2	11	publisher	publisher	NOUN
easat-11367	2	12	:	:	PUNCT
easat-11367	2	13	learning	learn	VERB
easat-11367	2	14	gate	gate	NOUN
easat-11367	2	15	doi	doi	PROPN
easat-11367	2	16	:	:	PUNCT
easat-11367	2	17	10.55214/2576	10.55214/2576	NUM
easat-11367	2	18	-	-	SYM
easat-11367	2	19	8484.v9i12.11367	8484.v9i12.11367	NUM
easat-11367	3	1	©	©	PROPN
easat-11367	3	2	2025	2025	NUM
easat-11367	3	3	by	by	ADP
easat-11367	3	4	the	the	DET
easat-11367	3	5	authors	author	NOUN
easat-11367	3	6	;	;	PUNCT
easat-11367	3	7	licensee	licensee	PROPN
easat-11367	3	8	learning	learning	NOUN
easat-11367	3	9	gate	gate	NOUN
easat-11367	3	10	©	©	PROPN
easat-11367	3	11	2025	2025	NUM
easat-11367	3	12	by	by	ADP
easat-11367	3	13	the	the	DET
easat-11367	3	14	authors	author	NOUN
easat-11367	3	15	;	;	PUNCT
easat-11367	3	16	licensee	licensee	PROPN
easat-11367	3	17	learning	learning	NOUN
easat-11367	3	18	gate	gate	NOUN
easat-11367	3	19	history	history	NOUN
easat-11367	3	20	:	:	PUNCT
easat-11367	3	21	received	receive	VERB
easat-11367	3	22	:	:	PUNCT
easat-11367	3	23	24	24	NUM
easat-11367	3	24	september	september	PROPN
easat-11367	3	25	2025	2025	NUM
easat-11367	3	26	;	;	PUNCT
easat-11367	3	27	revised	revise	VERB
easat-11367	3	28	:	:	PUNCT
easat-11367	3	29	6	6	NUM
easat-11367	3	30	november	november	NOUN
easat-11367	3	31	2025	2025	NUM
easat-11367	3	32	;	;	PUNCT
easat-11367	3	33	accepted	accept	VERB
easat-11367	3	34	:	:	PUNCT
easat-11367	3	35	10	10	NUM
easat-11367	3	36	november	november	NOUN
easat-11367	3	37	2025	2025	NUM
easat-11367	3	38	;	;	PUNCT
easat-11367	3	39	published	publish	VERB
easat-11367	3	40	:	:	PUNCT
easat-11367	3	41	9	9	NUM
easat-11367	3	42	december	december	PROPN
easat-11367	3	43	2025	2025	NUM
easat-11367	3	44	*	*	PUNCT
easat-11367	3	45	correspondence	correspondence	NOUN
easat-11367	3	46	:	:	PUNCT
easat-11367	3	47	ghaleb.ghouth@gmail.com	ghaleb.ghouth@gmail.com	PROPN
easat-11367	3	48	relationship	relationship	NOUN
easat-11367	3	49	between	between	ADP
easat-11367	3	50	credit	credit	NOUN
easat-11367	3	51	risk	risk	NOUN
easat-11367	3	52	and	and	CCONJ
easat-11367	3	53	return	return	VERB
easat-11367	3	54	on	on	ADP
easat-11367	3	55	assets	asset	NOUN
easat-11367	3	56	in	in	ADP
easat-11367	3	57	yemeni	yemeni	ADJ
easat-11367	3	58	banks	bank	NOUN
easat-11367	3	59	using	use	VERB
easat-11367	3	60	panel	panel	NOUN
easat-11367	3	61	data	data	NOUN
easat-11367	3	62	models	model	NOUN
easat-11367	3	63	for	for	ADP
easat-11367	3	64	the	the	DET
easat-11367	3	65	period	period	NOUN
easat-11367	3	66	(	(	PUNCT
easat-11367	3	67	2004	2004	NUM
easat-11367	3	68	2020	2020	NUM
easat-11367	3	69	)	)	PUNCT
easat-11367	3	70	ghaleb	ghaleb	NOUN
easat-11367	3	71	ghawth¹	ghawth¹	PROPN
easat-11367	3	72	*	*	PROPN
easat-11367	3	73	,	,	PUNCT
easat-11367	3	74	mohammed	mohammed	PROPN
easat-11367	3	75	al	al	PROPN
easat-11367	3	76	-	-	PUNCT
easat-11367	3	77	qutaibi²	qutaibi²	PROPN
easat-11367	3	78	,	,	PUNCT
easat-11367	3	79	turki	turki	PROPN
easat-11367	3	80	al	al	PROPN
easat-11367	3	81	-	-	PUNCT
easat-11367	3	82	qabbani³	qabbani³	NOUN
easat-11367	3	83	1department	1department	NUM
easat-11367	3	84	of	of	ADP
easat-11367	3	85	business	business	PROPN
easat-11367	3	86	administration	administration	NOUN
easat-11367	3	87	,	,	PUNCT
easat-11367	3	88	business	business	NOUN
easat-11367	3	89	administration	administration	NOUN
easat-11367	3	90	center	center	NOUN
easat-11367	3	91	,	,	PUNCT
easat-11367	3	92	sana'a	sana'a	DET
easat-11367	3	93	university	university	NOUN
easat-11367	3	94	,	,	PUNCT
easat-11367	3	95	yemen	yemen	PROPN
easat-11367	3	96	.	.	PUNCT
easat-11367	4	1	ghaleb.ghouth@gmail.com	ghaleb.ghouth@gmail.com	X
easat-11367	4	2	(	(	PUNCT
easat-11367	4	3	g.g	g.g	PROPN
easat-11367	4	4	.	.	PROPN
easat-11367	4	5	)	)	PUNCT
easat-11367	4	6	.	.	PUNCT
easat-11367	5	1	2faculty	2faculty	NUM
easat-11367	5	2	of	of	ADP
easat-11367	5	3	administrative	administrative	ADJ
easat-11367	5	4	and	and	CCONJ
easat-11367	5	5	human	human	ADJ
easat-11367	5	6	sciences	science	NOUN
easat-11367	5	7	,	,	PUNCT
easat-11367	5	8	amran	amran	ADJ
easat-11367	5	9	university	university	NOUN
easat-11367	5	10	,	,	PUNCT
easat-11367	5	11	yemen	yemen	PROPN
easat-11367	5	12	.	.	PUNCT
easat-11367	6	1	dalqutibi@hotmail.com	dalqutibi@hotmail.com	X
easat-11367	7	1	(	(	PUNCT
easat-11367	7	2	m.a.q	m.a.q	PROPN
easat-11367	7	3	.	.	PUNCT
easat-11367	7	4	)	)	PUNCT
easat-11367	7	5	.	.	PUNCT
easat-11367	8	1	3faculty	3faculty	NUM
easat-11367	8	2	of	of	ADP
easat-11367	8	3	administrative	administrative	ADJ
easat-11367	8	4	and	and	CCONJ
easat-11367	8	5	human	human	ADJ
easat-11367	8	6	sciences	sciences	PROPN
easat-11367	8	7	,	,	PUNCT
easat-11367	8	8	al	al	PROPN
easat-11367	8	9	-	-	PUNCT
easat-11367	8	10	razi	razi	PROPN
easat-11367	8	11	university	university	PROPN
easat-11367	8	12	,	,	PUNCT
easat-11367	8	13	yemen	yemen	PROPN
easat-11367	8	14	.	.	PUNCT
easat-11367	8	15	turki3765@gmail.com	turki3765@gmail.com	PROPN
easat-11367	8	16	(	(	PUNCT
easat-11367	8	17	t.a.q	t.a.q	ADJ
easat-11367	8	18	.	.	PUNCT
easat-11367	8	19	)	)	PUNCT
easat-11367	8	20	.	.	PUNCT
easat-11367	9	1	abstract	abstract	ADV
easat-11367	9	2	:	:	PUNCT
easat-11367	9	3	this	this	DET
easat-11367	9	4	study	study	NOUN
easat-11367	9	5	examines	examine	VERB
easat-11367	9	6	the	the	DET
easat-11367	9	7	optimal	optimal	ADJ
easat-11367	9	8	econometric	econometric	ADJ
easat-11367	9	9	model	model	NOUN
easat-11367	9	10	that	that	PRON
easat-11367	9	11	best	well	ADV
easat-11367	9	12	captures	capture	VERB
easat-11367	9	13	the	the	DET
easat-11367	9	14	relationship	relationship	NOUN
easat-11367	9	15	between	between	ADP
easat-11367	9	16	credit	credit	NOUN
easat-11367	9	17	risk	risk	NOUN
easat-11367	9	18	(	(	PUNCT
easat-11367	9	19	cr	cr	NOUN
easat-11367	9	20	)	)	PUNCT
easat-11367	9	21	and	and	CCONJ
easat-11367	9	22	bank	bank	NOUN
easat-11367	9	23	performance	performance	NOUN
easat-11367	9	24	,	,	PUNCT
easat-11367	9	25	measured	measure	VERB
easat-11367	9	26	by	by	ADP
easat-11367	9	27	return	return	NOUN
easat-11367	9	28	on	on	ADP
easat-11367	9	29	assets	asset	NOUN
easat-11367	9	30	(	(	PUNCT
easat-11367	9	31	roa	roa	NOUN
easat-11367	9	32	)	)	PUNCT
easat-11367	9	33	,	,	PUNCT
easat-11367	9	34	within	within	ADP
easat-11367	9	35	yemeni	yemeni	ADJ
easat-11367	9	36	banks	bank	NOUN
easat-11367	9	37	during	during	ADP
easat-11367	9	38	2004–2020	2004–2020	NUM
easat-11367	9	39	.	.	PUNCT
easat-11367	10	1	credit	credit	NOUN
easat-11367	10	2	risk	risk	NOUN
easat-11367	10	3	is	be	AUX
easat-11367	10	4	proxied	proxie	VERB
easat-11367	10	5	by	by	ADP
easat-11367	10	6	the	the	DET
easat-11367	10	7	ratio	ratio	NOUN
easat-11367	10	8	of	of	ADP
easat-11367	10	9	loan	loan	NOUN
easat-11367	10	10	loss	loss	NOUN
easat-11367	10	11	provisions	provision	NOUN
easat-11367	10	12	to	to	PART
easat-11367	10	13	total	total	VERB
easat-11367	10	14	loans	loan	NOUN
easat-11367	10	15	(	(	PUNCT
easat-11367	10	16	pdl	pdl	PROPN
easat-11367	10	17	/	/	SYM
easat-11367	10	18	tl	tl	PROPN
easat-11367	10	19	)	)	PUNCT
easat-11367	10	20	,	,	PUNCT
easat-11367	10	21	and	and	CCONJ
easat-11367	10	22	the	the	DET
easat-11367	10	23	ratio	ratio	NOUN
easat-11367	10	24	of	of	ADP
easat-11367	10	25	total	total	ADJ
easat-11367	10	26	loans	loan	NOUN
easat-11367	10	27	to	to	ADP
easat-11367	10	28	total	total	ADJ
easat-11367	10	29	deposits	deposit	NOUN
easat-11367	10	30	(	(	PUNCT
easat-11367	10	31	tl	tl	PROPN
easat-11367	10	32	/	/	SYM
easat-11367	10	33	td	td	NOUN
easat-11367	10	34	)	)	PUNCT
easat-11367	10	35	.	.	PUNCT
easat-11367	11	1	to	to	PART
easat-11367	11	2	analyze	analyze	VERB
easat-11367	11	3	this	this	DET
easat-11367	11	4	relationship	relationship	NOUN
easat-11367	11	5	,	,	PUNCT
easat-11367	11	6	panel	panel	NOUN
easat-11367	11	7	autoregressive	autoregressive	ADJ
easat-11367	11	8	distributed	distribute	VERB
easat-11367	11	9	lag	lag	NOUN
easat-11367	11	10	(	(	PUNCT
easat-11367	11	11	panel	panel	NOUN
easat-11367	11	12	ardl	ardl	NOUN
easat-11367	11	13	)	)	PUNCT
easat-11367	11	14	models	model	NOUN
easat-11367	11	15	were	be	AUX
easat-11367	11	16	employed	employ	VERB
easat-11367	11	17	,	,	PUNCT
easat-11367	11	18	namely	namely	ADV
easat-11367	11	19	,	,	PUNCT
easat-11367	11	20	the	the	DET
easat-11367	11	21	dynamic	dynamic	ADJ
easat-11367	11	22	fixed	fix	VERB
easat-11367	11	23	effects	effect	NOUN
easat-11367	11	24	(	(	PUNCT
easat-11367	11	25	dfe	dfe	PROPN
easat-11367	11	26	)	)	PUNCT
easat-11367	11	27	,	,	PUNCT
easat-11367	11	28	pooled	pool	VERB
easat-11367	11	29	mean	mean	PROPN
easat-11367	11	30	group	group	NOUN
easat-11367	11	31	(	(	PUNCT
easat-11367	11	32	pmg	pmg	PROPN
easat-11367	11	33	)	)	PUNCT
easat-11367	11	34	,	,	PUNCT
easat-11367	11	35	and	and	CCONJ
easat-11367	11	36	mean	mean	ADJ
easat-11367	11	37	group	group	NOUN
easat-11367	11	38	(	(	PUNCT
easat-11367	11	39	mg	mg	NOUN
easat-11367	11	40	)	)	PUNCT
easat-11367	11	41	estimators	estimator	NOUN
easat-11367	11	42	.	.	PUNCT
easat-11367	12	1	after	after	ADP
easat-11367	12	2	comparing	compare	VERB
easat-11367	12	3	the	the	DET
easat-11367	12	4	model	model	NOUN
easat-11367	12	5	estimates	estimate	NOUN
easat-11367	12	6	using	use	VERB
easat-11367	12	7	the	the	DET
easat-11367	12	8	hausman	hausman	ADJ
easat-11367	12	9	test	test	NOUN
easat-11367	12	10	,	,	PUNCT
easat-11367	12	11	the	the	DET
easat-11367	12	12	pmg	pmg	PROPN
easat-11367	12	13	model	model	NOUN
easat-11367	12	14	was	be	AUX
easat-11367	12	15	found	find	VERB
easat-11367	12	16	to	to	PART
easat-11367	12	17	be	be	AUX
easat-11367	12	18	the	the	DET
easat-11367	12	19	most	most	ADV
easat-11367	12	20	appropriate	appropriate	ADJ
easat-11367	12	21	for	for	ADP
easat-11367	12	22	capturing	capture	VERB
easat-11367	12	23	both	both	DET
easat-11367	12	24	the	the	DET
easat-11367	12	25	shortand	shortand	NOUN
easat-11367	12	26	long	long	ADV
easat-11367	12	27	-	-	PUNCT
easat-11367	12	28	run	run	NOUN
easat-11367	12	29	dynamics	dynamic	NOUN
easat-11367	12	30	of	of	ADP
easat-11367	12	31	cr	cr	PROPN
easat-11367	12	32	’s	’s	PART
easat-11367	12	33	impact	impact	NOUN
easat-11367	12	34	on	on	ADP
easat-11367	12	35	roa	roa	PROPN
easat-11367	12	36	.	.	PUNCT
easat-11367	13	1	the	the	DET
easat-11367	13	2	findings	finding	NOUN
easat-11367	13	3	indicate	indicate	VERB
easat-11367	13	4	that	that	SCONJ
easat-11367	13	5	cr	cr	PROPN
easat-11367	13	6	has	have	VERB
easat-11367	13	7	no	no	DET
easat-11367	13	8	statistically	statistically	ADV
easat-11367	13	9	significant	significant	ADJ
easat-11367	13	10	short	short	ADJ
easat-11367	13	11	-	-	PUNCT
easat-11367	13	12	run	run	NOUN
easat-11367	13	13	effect	effect	NOUN
easat-11367	13	14	on	on	ADP
easat-11367	13	15	roa	roa	PROPN
easat-11367	13	16	.	.	PUNCT
easat-11367	14	1	however	however	ADV
easat-11367	14	2	,	,	PUNCT
easat-11367	14	3	in	in	ADP
easat-11367	14	4	the	the	DET
easat-11367	14	5	long	long	ADJ
easat-11367	14	6	run	run	NOUN
easat-11367	14	7	,	,	PUNCT
easat-11367	14	8	cr	cr	PROPN
easat-11367	14	9	has	have	VERB
easat-11367	14	10	a	a	DET
easat-11367	14	11	weak	weak	ADJ
easat-11367	14	12	positive	positive	ADJ
easat-11367	14	13	impact	impact	NOUN
easat-11367	14	14	on	on	ADP
easat-11367	14	15	roa	roa	PROPN
easat-11367	14	16	.	.	PUNCT
easat-11367	15	1	specifically	specifically	ADV
easat-11367	15	2	,	,	PUNCT
easat-11367	15	3	a	a	DET
easat-11367	15	4	1	1	NUM
easat-11367	15	5	%	%	NOUN
easat-11367	15	6	increase	increase	NOUN
easat-11367	15	7	in	in	ADP
easat-11367	15	8	pdl	pdl	PROPN
easat-11367	15	9	/	/	SYM
easat-11367	15	10	tl	tl	PROPN
easat-11367	15	11	leads	lead	VERB
easat-11367	15	12	to	to	ADP
easat-11367	15	13	a	a	DET
easat-11367	15	14	3.3	3.3	NUM
easat-11367	15	15	%	%	NOUN
easat-11367	15	16	increase	increase	NOUN
easat-11367	15	17	in	in	ADP
easat-11367	15	18	roa	roa	PROPN
easat-11367	15	19	,	,	PUNCT
easat-11367	15	20	whereas	whereas	SCONJ
easat-11367	15	21	a	a	DET
easat-11367	15	22	1	1	NUM
easat-11367	15	23	%	%	NOUN
easat-11367	15	24	increase	increase	NOUN
easat-11367	15	25	in	in	ADP
easat-11367	15	26	tl	tl	PROPN
easat-11367	15	27	/	/	SYM
easat-11367	15	28	td	td	NOUN
easat-11367	15	29	results	result	VERB
easat-11367	15	30	in	in	ADP
easat-11367	15	31	a	a	DET
easat-11367	15	32	1.3	1.3	NUM
easat-11367	15	33	%	%	NOUN
easat-11367	15	34	roa	roa	NOUN
easat-11367	15	35	increase	increase	NOUN
easat-11367	15	36	.	.	PUNCT
easat-11367	16	1	the	the	DET
easat-11367	16	2	study	study	NOUN
easat-11367	16	3	concludes	conclude	VERB
easat-11367	16	4	that	that	SCONJ
easat-11367	16	5	banks	bank	NOUN
easat-11367	16	6	should	should	AUX
easat-11367	16	7	emphasize	emphasize	VERB
easat-11367	16	8	long	long	ADJ
easat-11367	16	9	-	-	PUNCT
easat-11367	16	10	term	term	NOUN
easat-11367	16	11	strategies	strategy	NOUN
easat-11367	16	12	,	,	PUNCT
easat-11367	16	13	including	include	VERB
easat-11367	16	14	credit	credit	NOUN
easat-11367	16	15	portfolio	portfolio	NOUN
easat-11367	16	16	diversification	diversification	NOUN
easat-11367	16	17	and	and	CCONJ
easat-11367	16	18	sound	sound	ADJ
easat-11367	16	19	financial	financial	ADJ
easat-11367	16	20	policies	policy	NOUN
easat-11367	16	21	,	,	PUNCT
easat-11367	16	22	to	to	PART
easat-11367	16	23	mitigate	mitigate	VERB
easat-11367	16	24	credit	credit	NOUN
easat-11367	16	25	risk	risk	NOUN
easat-11367	16	26	and	and	CCONJ
easat-11367	16	27	improve	improve	VERB
easat-11367	16	28	their	their	PRON
easat-11367	16	29	financial	financial	ADJ
easat-11367	16	30	performance	performance	NOUN
easat-11367	16	31	.	.	PUNCT
easat-11367	17	1	keywords	keyword	NOUN
easat-11367	17	2	:	:	PUNCT
easat-11367	17	3	credit	credit	NOUN
easat-11367	17	4	risk	risk	NOUN
easat-11367	17	5	(	(	PUNCT
easat-11367	17	6	cr	cr	NOUN
easat-11367	17	7	)	)	PUNCT
easat-11367	17	8	,	,	PUNCT
easat-11367	17	9	return	return	VERB
easat-11367	17	10	on	on	ADP
easat-11367	17	11	assets	asset	NOUN
easat-11367	17	12	(	(	PUNCT
easat-11367	17	13	roa	roa	NOUN
easat-11367	17	14	)	)	PUNCT
easat-11367	17	15	,	,	PUNCT
easat-11367	17	16	yemeni	yemeni	ADJ
easat-11367	17	17	banks	bank	NOUN
easat-11367	17	18	,	,	PUNCT
easat-11367	17	19	panel	panel	NOUN
easat-11367	17	20	data	datum	NOUN
easat-11367	17	21	model	model	NOUN
easat-11367	17	22	.	.	PUNCT
easat-11367	18	1	1	1	X
easat-11367	18	2	.	.	X
easat-11367	18	3	introduction	introduction	NOUN
easat-11367	18	4	banks	bank	NOUN
easat-11367	18	5	are	be	AUX
easat-11367	18	6	the	the	DET
easat-11367	18	7	economic	economic	ADJ
easat-11367	18	8	backbone	backbone	NOUN
easat-11367	18	9	of	of	ADP
easat-11367	18	10	any	any	DET
easat-11367	18	11	country	country	NOUN
easat-11367	18	12	.	.	PUNCT
easat-11367	19	1	the	the	DET
easat-11367	19	2	extent	extent	NOUN
easat-11367	19	3	of	of	ADP
easat-11367	19	4	their	their	PRON
easat-11367	19	5	success	success	NOUN
easat-11367	19	6	,	,	PUNCT
easat-11367	19	7	development	development	NOUN
easat-11367	19	8	,	,	PUNCT
easat-11367	19	9	and	and	CCONJ
easat-11367	19	10	growth	growth	NOUN
easat-11367	19	11	directly	directly	ADV
easat-11367	19	12	influences	influence	VERB
easat-11367	19	13	the	the	DET
easat-11367	19	14	stability	stability	NOUN
easat-11367	19	15	and	and	CCONJ
easat-11367	19	16	sustainable	sustainable	ADJ
easat-11367	19	17	development	development	NOUN
easat-11367	19	18	of	of	ADP
easat-11367	19	19	the	the	DET
easat-11367	19	20	economy	economy	NOUN
easat-11367	19	21	.	.	PUNCT
easat-11367	20	1	conversely	conversely	ADV
easat-11367	20	2	,	,	PUNCT
easat-11367	20	3	the	the	DET
easat-11367	20	4	risks	risk	NOUN
easat-11367	20	5	they	they	PRON
easat-11367	20	6	face	face	VERB
easat-11367	20	7	due	due	ADJ
easat-11367	20	8	to	to	ADP
easat-11367	20	9	broad	broad	ADJ
easat-11367	20	10	and	and	CCONJ
easat-11367	20	11	uncertain	uncertain	ADJ
easat-11367	20	12	environmental	environmental	ADJ
easat-11367	20	13	fluctuations	fluctuation	NOUN
easat-11367	20	14	may	may	AUX
easat-11367	20	15	expose	expose	VERB
easat-11367	20	16	them	they	PRON
easat-11367	20	17	to	to	ADP
easat-11367	20	18	severe	severe	ADJ
easat-11367	20	19	financial	financial	ADJ
easat-11367	20	20	risks	risk	NOUN
easat-11367	20	21	,	,	PUNCT
easat-11367	20	22	potentially	potentially	ADV
easat-11367	20	23	leading	lead	VERB
easat-11367	20	24	to	to	ADP
easat-11367	20	25	bankruptcy	bankruptcy	NOUN
easat-11367	20	26	and	and	CCONJ
easat-11367	20	27	collapse	collapse	NOUN
easat-11367	20	28	,	,	PUNCT
easat-11367	20	29	which	which	PRON
easat-11367	20	30	would	would	AUX
easat-11367	20	31	consequently	consequently	ADV
easat-11367	20	32	harm	harm	VERB
easat-11367	20	33	depositors	depositor	NOUN
easat-11367	20	34	,	,	PUNCT
easat-11367	20	35	shareholders	shareholder	NOUN
easat-11367	20	36	,	,	PUNCT
easat-11367	20	37	employees	employee	NOUN
easat-11367	20	38	,	,	PUNCT
easat-11367	20	39	and	and	CCONJ
easat-11367	20	40	the	the	DET
easat-11367	20	41	economy	economy	NOUN
easat-11367	20	42	as	as	ADP
easat-11367	20	43	a	a	DET
easat-11367	20	44	whole	whole	NOUN
easat-11367	20	45	.	.	PUNCT
easat-11367	21	1	as	as	ADP
easat-11367	21	2	financial	financial	ADJ
easat-11367	21	3	intermediaries	intermediary	NOUN
easat-11367	21	4	,	,	PUNCT
easat-11367	21	5	banks	bank	NOUN
easat-11367	21	6	seek	seek	VERB
easat-11367	21	7	to	to	PART
easat-11367	21	8	maximize	maximize	VERB
easat-11367	21	9	their	their	PRON
easat-11367	21	10	financial	financial	ADJ
easat-11367	21	11	returns	return	NOUN
easat-11367	21	12	by	by	ADP
easat-11367	21	13	attracting	attract	VERB
easat-11367	21	14	savings	saving	NOUN
easat-11367	21	15	from	from	ADP
easat-11367	21	16	various	various	ADJ
easat-11367	21	17	sources	source	NOUN
easat-11367	21	18	at	at	ADP
easat-11367	21	19	lower	low	ADJ
easat-11367	21	20	costs	cost	NOUN
easat-11367	21	21	and	and	CCONJ
easat-11367	21	22	then	then	ADV
easat-11367	21	23	investing	invest	VERB
easat-11367	21	24	these	these	DET
easat-11367	21	25	funds	fund	NOUN
easat-11367	21	26	in	in	ADP
easat-11367	21	27	financing	finance	VERB
easat-11367	21	28	investment	investment	NOUN
easat-11367	21	29	projects	project	NOUN
easat-11367	21	30	or	or	CCONJ
easat-11367	21	31	providing	provide	VERB
easat-11367	21	32	their	their	PRON
easat-11367	21	33	clients	client	NOUN
easat-11367	21	34	with	with	ADP
easat-11367	21	35	various	various	ADJ
easat-11367	21	36	credit	credit	NOUN
easat-11367	21	37	facilities	facility	NOUN
easat-11367	21	38	.	.	PUNCT
easat-11367	22	1	these	these	DET
easat-11367	22	2	facilities	facility	NOUN
easat-11367	22	3	are	be	AUX
easat-11367	22	4	granted	grant	VERB
easat-11367	22	5	through	through	ADP
easat-11367	22	6	their	their	PRON
easat-11367	22	7	credit	credit	NOUN
easat-11367	22	8	portfolios	portfolio	NOUN
easat-11367	22	9	to	to	PART
easat-11367	22	10	finance	finance	VERB
easat-11367	22	11	projects	project	NOUN
easat-11367	22	12	at	at	ADP
easat-11367	22	13	a	a	DET
easat-11367	22	14	return	return	NOUN
easat-11367	22	15	rate	rate	NOUN
easat-11367	22	16	higher	high	ADJ
easat-11367	22	17	than	than	ADP
easat-11367	22	18	the	the	DET
easat-11367	22	19	interest	interest	NOUN
easat-11367	22	20	and	and	CCONJ
easat-11367	22	21	commissions	commission	NOUN
easat-11367	22	22	paid	pay	VERB
easat-11367	22	23	to	to	ADP
easat-11367	22	24	banks	bank	NOUN
easat-11367	22	25	at	at	ADP
easat-11367	22	26	their	their	PRON
easat-11367	22	27	due	due	ADJ
easat-11367	22	28	dates	date	NOUN
easat-11367	22	29	[	[	X
easat-11367	22	30	1	1	NUM
easat-11367	22	31	,	,	PUNCT
easat-11367	22	32	2	2	NUM
easat-11367	22	33	]	]	PUNCT
easat-11367	22	34	.	.	PUNCT
easat-11367	23	1	however	however	ADV
easat-11367	23	2	,	,	PUNCT
easat-11367	23	3	banks	bank	NOUN
easat-11367	23	4	are	be	AUX
easat-11367	23	5	highly	highly	ADV
easat-11367	23	6	sensitive	sensitive	ADJ
easat-11367	23	7	institutions	institution	NOUN
easat-11367	23	8	because	because	SCONJ
easat-11367	23	9	they	they	PRON
easat-11367	23	10	rely	rely	VERB
easat-11367	23	11	heavily	heavily	ADV
easat-11367	23	12	on	on	ADP
easat-11367	23	13	their	their	PRON
easat-11367	23	14	clients	client	NOUN
easat-11367	23	15	'	'	PART
easat-11367	23	16	deposits	deposit	NOUN
easat-11367	23	17	,	,	PUNCT
easat-11367	23	18	which	which	PRON
easat-11367	23	19	constitute	constitute	VERB
easat-11367	23	20	more	more	ADJ
easat-11367	23	21	than	than	ADP
easat-11367	23	22	85	85	NUM
easat-11367	23	23	%	%	NOUN
easat-11367	23	24	of	of	ADP
easat-11367	23	25	their	their	PRON
easat-11367	23	26	liabilities	liability	NOUN
easat-11367	23	27	[	[	X
easat-11367	23	28	3	3	NUM
easat-11367	23	29	]	]	PUNCT
easat-11367	23	30	.	.	PUNCT
easat-11367	24	1	although	although	SCONJ
easat-11367	24	2	credit	credit	NOUN
easat-11367	24	3	is	be	AUX
easat-11367	24	4	one	one	NUM
easat-11367	24	5	of	of	ADP
easat-11367	24	6	the	the	DET
easat-11367	24	7	primary	primary	ADJ
easat-11367	24	8	income	income	NOUN
easat-11367	24	9	-	-	PUNCT
easat-11367	24	10	generating	generate	VERB
easat-11367	24	11	mechanisms	mechanism	NOUN
easat-11367	24	12	in	in	ADP
easat-11367	24	13	banks	bank	NOUN
easat-11367	24	14	,	,	PUNCT
easat-11367	24	15	its	its	PRON
easat-11367	24	16	effect	effect	NOUN
easat-11367	24	17	on	on	ADP
easat-11367	24	18	bank	bank	NOUN
easat-11367	24	19	profitability	profitability	NOUN
easat-11367	24	20	and	and	CCONJ
easat-11367	24	21	financial	financial	ADJ
easat-11367	24	22	returns	return	NOUN
easat-11367	24	23	remains	remain	VERB
easat-11367	24	24	unclear	unclear	ADJ
easat-11367	24	25	.	.	PUNCT
easat-11367	25	1	the	the	DET
easat-11367	25	2	effect	effect	NOUN
easat-11367	25	3	can	can	AUX
easat-11367	25	4	be	be	AUX
easat-11367	25	5	positive	positive	ADJ
easat-11367	25	6	,	,	PUNCT
easat-11367	25	7	increasing	increase	VERB
easat-11367	25	8	with	with	ADP
easat-11367	25	9	cr	cr	PROPN
easat-11367	25	10	,	,	PUNCT
easat-11367	25	11	or	or	CCONJ
easat-11367	25	12	negative	negative	ADJ
easat-11367	25	13	when	when	SCONJ
easat-11367	25	14	banks	bank	NOUN
easat-11367	25	15	fail	fail	VERB
easat-11367	25	16	to	to	PART
easat-11367	25	17	manage	manage	VERB
easat-11367	25	18	their	their	PRON
easat-11367	25	19	loan	loan	NOUN
easat-11367	25	20	collections	collection	NOUN
easat-11367	25	21	[	[	X
easat-11367	25	22	4	4	NUM
easat-11367	25	23	]	]	PUNCT
easat-11367	25	24	,	,	PUNCT
easat-11367	25	25	which	which	PRON
easat-11367	25	26	can	can	AUX
easat-11367	25	27	lead	lead	VERB
easat-11367	25	28	to	to	ADP
easat-11367	25	29	the	the	DET
easat-11367	25	30	erosion	erosion	NOUN
easat-11367	25	31	of	of	ADP
easat-11367	25	32	bank	bank	NOUN
easat-11367	25	33	capital	capital	NOUN
easat-11367	25	34	and	and	CCONJ
easat-11367	25	35	,	,	PUNCT
easat-11367	25	36	subsequently	subsequently	ADV
easat-11367	25	37	,	,	PUNCT
easat-11367	25	38	a	a	DET
easat-11367	25	39	decline	decline	NOUN
easat-11367	25	40	in	in	ADP
easat-11367	25	41	public	public	ADJ
easat-11367	25	42	confidence	confidence	NOUN
easat-11367	25	43	in	in	ADP
easat-11367	25	44	banks	bank	NOUN
easat-11367	25	45	'	'	PART
easat-11367	25	46	ability	ability	NOUN
easat-11367	25	47	to	to	PART
easat-11367	25	48	meet	meet	VERB
easat-11367	25	49	their	their	PRON
easat-11367	25	50	obligations	obligation	NOUN
easat-11367	25	51	and	and	CCONJ
easat-11367	25	52	invest	invest	VERB
easat-11367	25	53	funds	fund	NOUN
easat-11367	25	54	in	in	ADP
easat-11367	25	55	various	various	ADJ
easat-11367	25	56	profitgenerating	profitgenerate	VERB
easat-11367	25	57	activities	activity	NOUN
easat-11367	25	58	[	[	X
easat-11367	25	59	5	5	NUM
easat-11367	25	60	]	]	PUNCT
easat-11367	25	61	.	.	PUNCT
easat-11367	26	1	in	in	ADP
easat-11367	26	2	this	this	DET
easat-11367	26	3	connection	connection	NOUN
easat-11367	26	4	,	,	PUNCT
easat-11367	26	5	boahene	boahene	NOUN
easat-11367	26	6	et	et	PROPN
easat-11367	26	7	al	al	PROPN
easat-11367	26	8	.	.	PUNCT
easat-11367	27	1	[	[	X
easat-11367	27	2	6	6	NUM
easat-11367	27	3	]	]	PUNCT
easat-11367	27	4	highlighted	highlight	VERB
easat-11367	27	5	that	that	SCONJ
easat-11367	27	6	high	high	ADJ
easat-11367	27	7	-	-	PUNCT
easat-11367	27	8	quality	quality	NOUN
easat-11367	27	9	credit	credit	NOUN
easat-11367	27	10	is	be	AUX
easat-11367	27	11	a	a	DET
easat-11367	27	12	key	key	ADJ
easat-11367	27	13	factor	factor	NOUN
easat-11367	27	14	in	in	ADP
easat-11367	27	15	the	the	DET
easat-11367	27	16	financial	financial	ADJ
easat-11367	27	17	strength	strength	NOUN
easat-11367	27	18	and	and	CCONJ
easat-11367	27	19	stability	stability	NOUN
easat-11367	27	20	of	of	ADP
easat-11367	27	21	banks	bank	NOUN
easat-11367	27	22	,	,	PUNCT
easat-11367	27	23	whereas	whereas	SCONJ
easat-11367	27	24	poor	poor	ADJ
easat-11367	27	25	-	-	PUNCT
easat-11367	27	26	quality	quality	NOUN
easat-11367	27	27	credit	credit	NOUN
easat-11367	27	28	significantly	significantly	ADV
easat-11367	27	29	contributes	contribute	VERB
easat-11367	27	30	to	to	ADP
easat-11367	27	31	bank	bank	NOUN
easat-11367	27	32	352	352	NUM
easat-11367	27	33	edelweiss	edelweiss	PROPN
easat-11367	27	34	applied	apply	VERB
easat-11367	27	35	science	science	NOUN
easat-11367	27	36	and	and	CCONJ
easat-11367	27	37	technology	technology	NOUN
easat-11367	27	38	issn	issn	PROPN
easat-11367	27	39	:	:	PUNCT
easat-11367	27	40	2576	2576	NUM
easat-11367	27	41	-	-	SYM
easat-11367	27	42	8484	8484	NUM
easat-11367	27	43	vol	vol	NOUN
easat-11367	27	44	.	.	PROPN
easat-11367	28	1	9	9	NUM
easat-11367	28	2	,	,	PUNCT
easat-11367	28	3	no	no	INTJ
easat-11367	28	4	.	.	NOUN
easat-11367	28	5	12	12	NUM
easat-11367	28	6	:	:	PUNCT
easat-11367	28	7	351	351	NUM
easat-11367	28	8	-	-	SYM
easat-11367	28	9	363	363	NUM
easat-11367	28	10	,	,	PUNCT
easat-11367	28	11	2025	2025	NUM
easat-11367	28	12	doi	doi	NOUN
easat-11367	28	13	:	:	PUNCT
easat-11367	28	14	10.55214/2576	10.55214/2576	NUM
easat-11367	28	15	-	-	SYM
easat-11367	28	16	8484.v9i12.11367	8484.v9i12.11367	NUM
easat-11367	29	1	©	©	PROPN
easat-11367	29	2	2025	2025	NUM
easat-11367	29	3	by	by	ADP
easat-11367	29	4	the	the	DET
easat-11367	29	5	authors	author	NOUN
easat-11367	29	6	;	;	PUNCT
easat-11367	29	7	licensee	licensee	PROPN
easat-11367	29	8	learning	learn	VERB
easat-11367	29	9	gate	gate	NOUN
easat-11367	29	10	bankruptcies	bankruptcy	NOUN
easat-11367	29	11	.	.	PUNCT
easat-11367	30	1	chen	chen	PROPN
easat-11367	30	2	and	and	CCONJ
easat-11367	30	3	pan	pan	VERB
easat-11367	30	4	[	[	X
easat-11367	30	5	7	7	NUM
easat-11367	30	6	]	]	PUNCT
easat-11367	30	7	pointed	point	VERB
easat-11367	30	8	out	out	ADP
easat-11367	30	9	that	that	SCONJ
easat-11367	30	10	this	this	DET
easat-11367	30	11	type	type	NOUN
easat-11367	30	12	of	of	ADP
easat-11367	30	13	risk	risk	NOUN
easat-11367	30	14	is	be	AUX
easat-11367	30	15	one	one	NUM
easat-11367	30	16	of	of	ADP
easat-11367	30	17	the	the	DET
easat-11367	30	18	greatest	great	ADJ
easat-11367	30	19	financial	financial	ADJ
easat-11367	30	20	risks	risk	NOUN
easat-11367	30	21	faced	face	VERB
easat-11367	30	22	by	by	ADP
easat-11367	30	23	banks	bank	NOUN
easat-11367	30	24	and	and	CCONJ
easat-11367	30	25	is	be	AUX
easat-11367	30	26	a	a	DET
easat-11367	30	27	major	major	ADJ
easat-11367	30	28	factor	factor	NOUN
easat-11367	30	29	leading	lead	VERB
easat-11367	30	30	to	to	ADP
easat-11367	30	31	their	their	PRON
easat-11367	30	32	insolvency	insolvency	NOUN
easat-11367	30	33	and	and	CCONJ
easat-11367	30	34	collapse	collapse	NOUN
easat-11367	30	35	.	.	PUNCT
easat-11367	31	1	the	the	DET
easat-11367	31	2	basel	basel	PROPN
easat-11367	31	3	committee	committee	PROPN
easat-11367	31	4	on	on	ADP
easat-11367	31	5	banking	banking	NOUN
easat-11367	31	6	supervision	supervision	NOUN
easat-11367	31	7	[	[	X
easat-11367	31	8	8	8	NUM
easat-11367	31	9	]	]	PUNCT
easat-11367	31	10	emphasized	emphasize	VERB
easat-11367	31	11	that	that	SCONJ
easat-11367	31	12	one	one	NUM
easat-11367	31	13	of	of	ADP
easat-11367	31	14	the	the	DET
easat-11367	31	15	main	main	ADJ
easat-11367	31	16	sources	source	NOUN
easat-11367	31	17	of	of	ADP
easat-11367	31	18	risk	risk	NOUN
easat-11367	31	19	faced	face	VERB
easat-11367	31	20	by	by	ADP
easat-11367	31	21	banks	bank	NOUN
easat-11367	31	22	is	be	AUX
easat-11367	31	23	the	the	DET
easat-11367	31	24	poor	poor	ADJ
easat-11367	31	25	management	management	NOUN
easat-11367	31	26	of	of	ADP
easat-11367	31	27	loan	loan	NOUN
easat-11367	31	28	portfolio	portfolio	NOUN
easat-11367	31	29	risks	risk	NOUN
easat-11367	31	30	and	and	CCONJ
easat-11367	31	31	credit	credit	NOUN
easat-11367	31	32	standards	standard	NOUN
easat-11367	31	33	,	,	PUNCT
easat-11367	31	34	according	accord	VERB
easat-11367	31	35	to	to	ADP
easat-11367	31	36	which	which	PRON
easat-11367	31	37	loans	loan	NOUN
easat-11367	31	38	are	be	AUX
easat-11367	31	39	granted	grant	VERB
easat-11367	31	40	to	to	ADP
easat-11367	31	41	counterparties	counterpartie	NOUN
easat-11367	31	42	.	.	PUNCT
easat-11367	32	1	among	among	ADP
easat-11367	32	2	the	the	DET
easat-11367	32	3	most	most	ADV
easat-11367	32	4	prominent	prominent	ADJ
easat-11367	32	5	examples	example	NOUN
easat-11367	32	6	of	of	ADP
easat-11367	32	7	cr	cr	NOUN
easat-11367	32	8	that	that	PRON
easat-11367	32	9	led	lead	VERB
easat-11367	32	10	to	to	ADP
easat-11367	32	11	bank	bank	NOUN
easat-11367	32	12	bankruptcies	bankruptcy	NOUN
easat-11367	32	13	and	and	CCONJ
easat-11367	32	14	failures	failure	NOUN
easat-11367	32	15	are	be	AUX
easat-11367	32	16	the	the	DET
easat-11367	32	17	collapse	collapse	NOUN
easat-11367	32	18	of	of	ADP
easat-11367	32	19	the	the	DET
easat-11367	32	20	bank	bank	NOUN
easat-11367	32	21	of	of	ADP
easat-11367	32	22	credit	credit	NOUN
easat-11367	32	23	and	and	CCONJ
easat-11367	32	24	commerce	commerce	PROPN
easat-11367	32	25	international	international	ADJ
easat-11367	32	26	(	(	PUNCT
easat-11367	32	27	bcci	bcci	NOUN
easat-11367	32	28	)	)	PUNCT
easat-11367	32	29	in	in	ADP
easat-11367	32	30	the	the	DET
easat-11367	32	31	united	united	ADJ
easat-11367	32	32	kingdom	kingdom	NOUN
easat-11367	32	33	in	in	ADP
easat-11367	32	34	1991	1991	NUM
easat-11367	32	35	,	,	PUNCT
easat-11367	32	36	the	the	DET
easat-11367	32	37	financial	financial	ADJ
easat-11367	32	38	crises	crisis	NOUN
easat-11367	32	39	in	in	ADP
easat-11367	32	40	east	east	PROPN
easat-11367	32	41	asia	asia	PROPN
easat-11367	32	42	and	and	CCONJ
easat-11367	32	43	russia	russia	PROPN
easat-11367	32	44	in	in	ADP
easat-11367	32	45	1997	1997	NUM
easat-11367	32	46	,	,	PUNCT
easat-11367	32	47	and	and	CCONJ
easat-11367	32	48	the	the	DET
easat-11367	32	49	u.s	u.s	PROPN
easat-11367	32	50	.	.	PROPN
easat-11367	32	51	credit	credit	NOUN
easat-11367	32	52	crisis	crisis	NOUN
easat-11367	32	53	that	that	PRON
easat-11367	32	54	triggered	trigger	VERB
easat-11367	32	55	global	global	ADJ
easat-11367	32	56	economic	economic	ADJ
easat-11367	32	57	crises	crisis	NOUN
easat-11367	32	58	in	in	ADP
easat-11367	32	59	2008	2008	NUM
easat-11367	32	60	.	.	PUNCT
easat-11367	33	1	one	one	NUM
easat-11367	33	2	of	of	ADP
easat-11367	33	3	the	the	DET
easat-11367	33	4	major	major	ADJ
easat-11367	33	5	causes	cause	NOUN
easat-11367	33	6	of	of	ADP
easat-11367	33	7	these	these	DET
easat-11367	33	8	crises	crisis	NOUN
easat-11367	33	9	was	be	AUX
easat-11367	33	10	the	the	DET
easat-11367	33	11	excessive	excessive	ADJ
easat-11367	33	12	expansion	expansion	NOUN
easat-11367	33	13	in	in	ADP
easat-11367	33	14	granting	grant	VERB
easat-11367	33	15	credit	credit	NOUN
easat-11367	33	16	and	and	CCONJ
easat-11367	33	17	reliance	reliance	NOUN
easat-11367	33	18	on	on	ADP
easat-11367	33	19	short	short	ADJ
easat-11367	33	20	-	-	PUNCT
easat-11367	33	21	term	term	NOUN
easat-11367	33	22	financing	financing	NOUN
easat-11367	33	23	from	from	ADP
easat-11367	33	24	financial	financial	ADJ
easat-11367	33	25	markets	market	NOUN
easat-11367	33	26	,	,	PUNCT
easat-11367	33	27	instead	instead	ADV
easat-11367	33	28	of	of	ADP
easat-11367	33	29	depending	depend	VERB
easat-11367	33	30	on	on	ADP
easat-11367	33	31	customer	customer	NOUN
easat-11367	33	32	deposit	deposit	NOUN
easat-11367	33	33	savings	saving	NOUN
easat-11367	33	34	,	,	PUNCT
easat-11367	33	35	leading	lead	VERB
easat-11367	33	36	to	to	ADP
easat-11367	33	37	inadequate	inadequate	ADJ
easat-11367	33	38	bank	bank	NOUN
easat-11367	33	39	capital	capital	NOUN
easat-11367	33	40	[	[	X
easat-11367	33	41	9	9	NUM
easat-11367	33	42	]	]	PUNCT
easat-11367	33	43	.	.	PUNCT
easat-11367	34	1	at	at	ADP
easat-11367	34	2	the	the	DET
easat-11367	34	3	local	local	ADJ
easat-11367	34	4	level	level	NOUN
easat-11367	34	5	,	,	PUNCT
easat-11367	34	6	yemeni	yemeni	ADJ
easat-11367	34	7	banks	bank	NOUN
easat-11367	34	8	play	play	VERB
easat-11367	34	9	a	a	DET
easat-11367	34	10	vital	vital	ADJ
easat-11367	34	11	role	role	NOUN
easat-11367	34	12	in	in	ADP
easat-11367	34	13	driving	drive	VERB
easat-11367	34	14	the	the	DET
easat-11367	34	15	country	country	NOUN
easat-11367	34	16	’s	’s	PART
easat-11367	34	17	economic	economic	ADJ
easat-11367	34	18	and	and	CCONJ
easat-11367	34	19	social	social	ADJ
easat-11367	34	20	development	development	NOUN
easat-11367	34	21	.	.	PUNCT
easat-11367	35	1	their	their	PRON
easat-11367	35	2	role	role	NOUN
easat-11367	35	3	in	in	ADP
easat-11367	35	4	financing	finance	VERB
easat-11367	35	5	economic	economic	ADJ
easat-11367	35	6	activities	activity	NOUN
easat-11367	35	7	and	and	CCONJ
easat-11367	35	8	state	state	NOUN
easat-11367	35	9	loans	loan	NOUN
easat-11367	35	10	increased	increase	VERB
easat-11367	35	11	by	by	ADP
easat-11367	35	12	approximately	approximately	ADV
easat-11367	35	13	13.2	13.2	NUM
easat-11367	35	14	times	time	NOUN
easat-11367	35	15	during	during	ADP
easat-11367	35	16	the	the	DET
easat-11367	35	17	period	period	NOUN
easat-11367	35	18	2000–2014	2000–2014	NUM
easat-11367	35	19	,	,	PUNCT
easat-11367	35	20	reaching	reach	VERB
easat-11367	35	21	1,844.8	1,844.8	NUM
easat-11367	35	22	billion	billion	NUM
easat-11367	35	23	yemeni	yemeni	ADJ
easat-11367	35	24	riyals	riyal	NOUN
easat-11367	35	25	.	.	PUNCT
easat-11367	36	1	during	during	ADP
easat-11367	36	2	the	the	DET
easat-11367	36	3	same	same	ADJ
easat-11367	36	4	period	period	NOUN
easat-11367	36	5	,	,	PUNCT
easat-11367	36	6	the	the	DET
easat-11367	36	7	ratio	ratio	NOUN
easat-11367	36	8	of	of	ADP
easat-11367	36	9	banking	banking	NOUN
easat-11367	36	10	finance	finance	NOUN
easat-11367	36	11	to	to	ADP
easat-11367	36	12	the	the	DET
easat-11367	36	13	gross	gross	ADJ
easat-11367	36	14	domestic	domestic	ADJ
easat-11367	36	15	product	product	NOUN
easat-11367	36	16	(	(	PUNCT
easat-11367	36	17	gdp	gdp	NOUN
easat-11367	36	18	)	)	PUNCT
easat-11367	36	19	rose	rise	VERB
easat-11367	36	20	from	from	ADP
easat-11367	36	21	8	8	NUM
easat-11367	36	22	%	%	NOUN
easat-11367	36	23	in	in	ADP
easat-11367	36	24	2000	2000	NUM
easat-11367	36	25	to	to	ADP
easat-11367	36	26	22.4	22.4	NUM
easat-11367	36	27	%	%	NOUN
easat-11367	36	28	in	in	ADP
easat-11367	36	29	2013	2013	NUM
easat-11367	36	30	[	[	X
easat-11367	36	31	10	10	NUM
easat-11367	36	32	]	]	PUNCT
easat-11367	36	33	.	.	PUNCT
easat-11367	37	1	however	however	ADV
easat-11367	37	2	,	,	PUNCT
easat-11367	37	3	in	in	ADP
easat-11367	37	4	2014	2014	NUM
easat-11367	37	5	,	,	PUNCT
easat-11367	37	6	the	the	DET
easat-11367	37	7	role	role	NOUN
easat-11367	37	8	of	of	ADP
easat-11367	37	9	banks	bank	NOUN
easat-11367	37	10	in	in	ADP
easat-11367	37	11	financing	finance	VERB
easat-11367	37	12	economic	economic	ADJ
easat-11367	37	13	activities	activity	NOUN
easat-11367	37	14	and	and	CCONJ
easat-11367	37	15	state	state	NOUN
easat-11367	37	16	loans	loan	NOUN
easat-11367	37	17	decreased	decrease	VERB
easat-11367	37	18	by	by	ADP
easat-11367	37	19	22	22	NUM
easat-11367	37	20	%	%	NOUN
easat-11367	37	21	compared	compare	VERB
easat-11367	37	22	to	to	ADP
easat-11367	37	23	previous	previous	ADJ
easat-11367	37	24	years	year	NOUN
easat-11367	37	25	,	,	PUNCT
easat-11367	37	26	dropping	drop	VERB
easat-11367	37	27	to	to	ADP
easat-11367	37	28	7.1	7.1	NUM
easat-11367	37	29	%	%	NOUN
easat-11367	37	30	,	,	PUNCT
easat-11367	37	31	due	due	ADP
easat-11367	37	32	to	to	ADP
easat-11367	37	33	economic	economic	ADJ
easat-11367	37	34	and	and	CCONJ
easat-11367	37	35	political	political	ADJ
easat-11367	37	36	challenges	challenge	NOUN
easat-11367	37	37	that	that	PRON
easat-11367	37	38	plunged	plunge	VERB
easat-11367	37	39	yemeni	yemeni	ADJ
easat-11367	37	40	banks	bank	NOUN
easat-11367	37	41	into	into	ADP
easat-11367	37	42	a	a	DET
easat-11367	37	43	prolonged	prolonged	ADJ
easat-11367	37	44	state	state	NOUN
easat-11367	37	45	of	of	ADP
easat-11367	37	46	dormancy	dormancy	NOUN
easat-11367	37	47	.	.	PUNCT
easat-11367	38	1	under	under	ADP
easat-11367	38	2	these	these	DET
easat-11367	38	3	circumstances	circumstance	NOUN
easat-11367	38	4	,	,	PUNCT
easat-11367	38	5	banks	bank	NOUN
easat-11367	38	6	are	be	AUX
easat-11367	38	7	unable	unable	ADJ
easat-11367	38	8	to	to	PART
easat-11367	38	9	meet	meet	VERB
easat-11367	38	10	their	their	PRON
easat-11367	38	11	obligations	obligation	NOUN
easat-11367	38	12	or	or	CCONJ
easat-11367	38	13	perform	perform	VERB
easat-11367	38	14	core	core	NOUN
easat-11367	38	15	functions	function	NOUN
easat-11367	38	16	.	.	PUNCT
easat-11367	39	1	one	one	NUM
easat-11367	39	2	of	of	ADP
easat-11367	39	3	the	the	DET
easat-11367	39	4	most	most	ADV
easat-11367	39	5	significant	significant	ADJ
easat-11367	39	6	issues	issue	NOUN
easat-11367	39	7	was	be	AUX
easat-11367	39	8	yemeni	yemeni	ADJ
easat-11367	39	9	banks	bank	NOUN
easat-11367	39	10	’	'	PUNCT
easat-11367	39	11	heavy	heavy	ADJ
easat-11367	39	12	reliance	reliance	NOUN
easat-11367	39	13	on	on	ADP
easat-11367	39	14	investing	invest	VERB
easat-11367	39	15	their	their	PRON
easat-11367	39	16	financial	financial	ADJ
easat-11367	39	17	assets	asset	NOUN
easat-11367	39	18	in	in	ADP
easat-11367	39	19	purchasing	purchase	VERB
easat-11367	39	20	treasury	treasury	NOUN
easat-11367	39	21	bills	bill	NOUN
easat-11367	39	22	and	and	CCONJ
easat-11367	39	23	government	government	NOUN
easat-11367	39	24	bonds	bond	NOUN
easat-11367	39	25	to	to	PART
easat-11367	39	26	finance	finance	VERB
easat-11367	39	27	the	the	DET
easat-11367	39	28	state	state	NOUN
easat-11367	39	29	’s	’s	PART
easat-11367	39	30	budget	budget	NOUN
easat-11367	39	31	deficit	deficit	NOUN
easat-11367	39	32	.	.	PUNCT
easat-11367	40	1	these	these	DET
easat-11367	40	2	instruments	instrument	NOUN
easat-11367	40	3	were	be	AUX
easat-11367	40	4	favored	favor	VERB
easat-11367	40	5	because	because	SCONJ
easat-11367	40	6	they	they	PRON
easat-11367	40	7	were	be	AUX
easat-11367	40	8	quickly	quickly	ADV
easat-11367	40	9	convertible	convertible	ADJ
easat-11367	40	10	to	to	ADP
easat-11367	40	11	cash	cash	NOUN
easat-11367	40	12	,	,	PUNCT
easat-11367	40	13	highly	highly	ADV
easat-11367	40	14	secure	secure	ADJ
easat-11367	40	15	,	,	PUNCT
easat-11367	40	16	and	and	CCONJ
easat-11367	40	17	provided	provide	VERB
easat-11367	40	18	substantial	substantial	ADJ
easat-11367	40	19	returns	return	NOUN
easat-11367	40	20	.	.	PUNCT
easat-11367	41	1	for	for	ADP
easat-11367	41	2	a	a	DET
easat-11367	41	3	period	period	NOUN
easat-11367	41	4	,	,	PUNCT
easat-11367	41	5	financing	finance	VERB
easat-11367	41	6	the	the	DET
easat-11367	41	7	state	state	NOUN
easat-11367	41	8	’s	’s	PART
easat-11367	41	9	budget	budget	NOUN
easat-11367	41	10	provided	provide	VERB
easat-11367	41	11	banks	bank	NOUN
easat-11367	41	12	with	with	ADP
easat-11367	41	13	a	a	DET
easat-11367	41	14	safe	safe	ADJ
easat-11367	41	15	environment	environment	NOUN
easat-11367	41	16	to	to	PART
easat-11367	41	17	earn	earn	VERB
easat-11367	41	18	financial	financial	ADJ
easat-11367	41	19	returns	return	NOUN
easat-11367	41	20	from	from	ADP
easat-11367	41	21	the	the	DET
easat-11367	41	22	public	public	ADJ
easat-11367	41	23	debt	debt	NOUN
easat-11367	41	24	interest	interest	NOUN
easat-11367	41	25	.	.	PUNCT
easat-11367	42	1	however	however	ADV
easat-11367	42	2	,	,	PUNCT
easat-11367	42	3	owing	owe	VERB
easat-11367	42	4	to	to	ADP
easat-11367	42	5	the	the	DET
easat-11367	42	6	country	country	NOUN
easat-11367	42	7	’s	’s	PART
easat-11367	42	8	ongoing	ongoing	ADJ
easat-11367	42	9	crisis	crisis	NOUN
easat-11367	42	10	,	,	PUNCT
easat-11367	42	11	these	these	DET
easat-11367	42	12	funds	fund	NOUN
easat-11367	42	13	and	and	CCONJ
easat-11367	42	14	their	their	PRON
easat-11367	42	15	associated	associated	ADJ
easat-11367	42	16	returns	return	NOUN
easat-11367	42	17	became	become	VERB
easat-11367	42	18	inaccessible	inaccessible	ADJ
easat-11367	42	19	.	.	PUNCT
easat-11367	43	1	by	by	ADP
easat-11367	43	2	2017	2017	NUM
easat-11367	43	3	,	,	PUNCT
easat-11367	43	4	bank	bank	NOUN
easat-11367	43	5	loans	loan	NOUN
easat-11367	43	6	to	to	ADP
easat-11367	43	7	the	the	DET
easat-11367	43	8	public	public	ADJ
easat-11367	43	9	budget	budget	NOUN
easat-11367	43	10	accounted	account	VERB
easat-11367	43	11	for	for	ADP
easat-11367	43	12	about	about	ADV
easat-11367	43	13	59.7	59.7	NUM
easat-11367	43	14	%	%	NOUN
easat-11367	43	15	of	of	ADP
easat-11367	43	16	the	the	DET
easat-11367	43	17	total	total	ADJ
easat-11367	43	18	bank	bank	NOUN
easat-11367	43	19	deposits	deposit	NOUN
easat-11367	43	20	,	,	PUNCT
easat-11367	43	21	resulting	result	VERB
easat-11367	43	22	in	in	ADP
easat-11367	43	23	a	a	DET
easat-11367	43	24	severe	severe	ADJ
easat-11367	43	25	liquidity	liquidity	NOUN
easat-11367	43	26	crisis	crisis	NOUN
easat-11367	43	27	.	.	PUNCT
easat-11367	44	1	approximately	approximately	ADV
easat-11367	44	2	65	65	NUM
easat-11367	44	3	%	%	NOUN
easat-11367	44	4	of	of	ADP
easat-11367	44	5	the	the	DET
easat-11367	44	6	total	total	ADJ
easat-11367	44	7	bank	bank	NOUN
easat-11367	44	8	assets	asset	NOUN
easat-11367	44	9	remained	remain	VERB
easat-11367	44	10	beyond	beyond	ADP
easat-11367	44	11	the	the	DET
easat-11367	44	12	banks	bank	NOUN
easat-11367	44	13	'	'	PART
easat-11367	44	14	control	control	NOUN
easat-11367	44	15	,	,	PUNCT
easat-11367	44	16	depriving	deprive	VERB
easat-11367	44	17	depositors	depositor	NOUN
easat-11367	44	18	of	of	ADP
easat-11367	44	19	access	access	NOUN
easat-11367	44	20	to	to	ADP
easat-11367	44	21	their	their	PRON
easat-11367	44	22	funds	fund	NOUN
easat-11367	44	23	deposited	deposit	VERB
easat-11367	44	24	before	before	ADP
easat-11367	44	25	2016	2016	NUM
easat-11367	44	26	.	.	PUNCT
easat-11367	45	1	consequently	consequently	ADV
easat-11367	45	2	,	,	PUNCT
easat-11367	45	3	deposit	deposit	NOUN
easat-11367	45	4	rates	rate	NOUN
easat-11367	45	5	declined	decline	VERB
easat-11367	45	6	because	because	SCONJ
easat-11367	45	7	of	of	ADP
easat-11367	45	8	diminished	diminished	ADJ
easat-11367	45	9	customer	customer	NOUN
easat-11367	45	10	trust	trust	PROPN
easat-11367	45	11	,	,	PUNCT
easat-11367	45	12	leading	lead	VERB
easat-11367	45	13	to	to	ADP
easat-11367	45	14	reduced	reduce	VERB
easat-11367	45	15	credit	credit	NOUN
easat-11367	45	16	offerings	offering	NOUN
easat-11367	45	17	and	and	CCONJ
easat-11367	45	18	,	,	PUNCT
easat-11367	45	19	ultimately	ultimately	ADV
easat-11367	45	20	,	,	PUNCT
easat-11367	45	21	lower	low	ADJ
easat-11367	45	22	financial	financial	ADJ
easat-11367	45	23	returns	return	NOUN
easat-11367	45	24	for	for	ADP
easat-11367	45	25	banks	bank	NOUN
easat-11367	45	26	[	[	X
easat-11367	45	27	11	11	NUM
easat-11367	45	28	]	]	PUNCT
easat-11367	45	29	.	.	PUNCT
easat-11367	46	1	to	to	PART
easat-11367	46	2	achieve	achieve	VERB
easat-11367	46	3	a	a	DET
easat-11367	46	4	precise	precise	ADJ
easat-11367	46	5	scientific	scientific	ADJ
easat-11367	46	6	analysis	analysis	NOUN
easat-11367	46	7	of	of	ADP
easat-11367	46	8	the	the	DET
easat-11367	46	9	cr	cr	PROPN
easat-11367	46	10	and	and	CCONJ
easat-11367	46	11	roa	roa	PROPN
easat-11367	46	12	relationships	relationship	NOUN
easat-11367	46	13	in	in	ADP
easat-11367	46	14	yemeni	yemeni	ADJ
easat-11367	46	15	banks	bank	NOUN
easat-11367	46	16	,	,	PUNCT
easat-11367	46	17	panel	panel	NOUN
easat-11367	46	18	data	datum	NOUN
easat-11367	46	19	models	model	NOUN
easat-11367	46	20	are	be	AUX
easat-11367	46	21	employed	employ	VERB
easat-11367	46	22	to	to	PART
easat-11367	46	23	develop	develop	VERB
easat-11367	46	24	an	an	DET
easat-11367	46	25	optimal	optimal	ADJ
easat-11367	46	26	model	model	NOUN
easat-11367	46	27	representing	represent	VERB
easat-11367	46	28	the	the	DET
easat-11367	46	29	relationship	relationship	NOUN
easat-11367	46	30	between	between	ADP
easat-11367	46	31	the	the	DET
easat-11367	46	32	variables	variable	NOUN
easat-11367	46	33	.	.	PUNCT
easat-11367	47	1	accordingly	accordingly	ADV
easat-11367	47	2	,	,	PUNCT
easat-11367	47	3	the	the	DET
easat-11367	47	4	research	research	NOUN
easat-11367	47	5	problem	problem	NOUN
easat-11367	47	6	can	can	AUX
easat-11367	47	7	be	be	AUX
easat-11367	47	8	framed	frame	VERB
easat-11367	47	9	by	by	ADP
easat-11367	47	10	addressing	address	VERB
easat-11367	47	11	the	the	DET
easat-11367	47	12	following	follow	VERB
easat-11367	47	13	main	main	ADJ
easat-11367	47	14	question	question	NOUN
easat-11367	47	15	:	:	PUNCT
easat-11367	47	16	what	what	PRON
easat-11367	47	17	is	be	AUX
easat-11367	47	18	the	the	DET
easat-11367	47	19	optimal	optimal	ADJ
easat-11367	47	20	model	model	NOUN
easat-11367	47	21	for	for	ADP
easat-11367	47	22	representing	represent	VERB
easat-11367	47	23	the	the	DET
easat-11367	47	24	relationship	relationship	NOUN
easat-11367	47	25	between	between	ADP
easat-11367	47	26	cr	cr	PROPN
easat-11367	47	27	and	and	CCONJ
easat-11367	47	28	roa	roa	PROPN
easat-11367	47	29	in	in	ADP
easat-11367	47	30	yemeni	yemeni	ADJ
easat-11367	47	31	banks	bank	NOUN
easat-11367	47	32	using	use	VERB
easat-11367	47	33	panel	panel	NOUN
easat-11367	47	34	data	data	NOUN
easat-11367	47	35	models	model	NOUN
easat-11367	47	36	for	for	ADP
easat-11367	47	37	the	the	DET
easat-11367	47	38	period	period	NOUN
easat-11367	47	39	(	(	PUNCT
easat-11367	47	40	2004–2020	2004–2020	NUM
easat-11367	47	41	)	)	PUNCT
easat-11367	47	42	?	?	PUNCT
easat-11367	48	1	2	2	X
easat-11367	48	2	.	.	X
easat-11367	48	3	objectives	objective	NOUN
easat-11367	48	4	of	of	ADP
easat-11367	48	5	the	the	DET
easat-11367	48	6	study	study	NOUN
easat-11367	48	7	the	the	DET
easat-11367	48	8	primary	primary	ADJ
easat-11367	48	9	objective	objective	NOUN
easat-11367	48	10	of	of	ADP
easat-11367	48	11	this	this	DET
easat-11367	48	12	study	study	NOUN
easat-11367	48	13	is	be	AUX
easat-11367	48	14	to	to	PART
easat-11367	48	15	identify	identify	VERB
easat-11367	48	16	the	the	DET
easat-11367	48	17	optimal	optimal	ADJ
easat-11367	48	18	model	model	NOUN
easat-11367	48	19	for	for	ADP
easat-11367	48	20	describing	describe	VERB
easat-11367	48	21	the	the	DET
easat-11367	48	22	relationship	relationship	NOUN
easat-11367	48	23	between	between	ADP
easat-11367	48	24	cr	cr	PROPN
easat-11367	48	25	,	,	PUNCT
easat-11367	48	26	measured	measure	VERB
easat-11367	48	27	by	by	ADP
easat-11367	48	28	pdl	pdl	PROPN
easat-11367	48	29	/	/	SYM
easat-11367	48	30	tl	tl	PROPN
easat-11367	48	31	,	,	PUNCT
easat-11367	48	32	tl	tl	PROPN
easat-11367	48	33	/	/	SYM
easat-11367	48	34	td	td	PROPN
easat-11367	48	35	,	,	PUNCT
easat-11367	48	36	and	and	CCONJ
easat-11367	48	37	roa	roa	PROPN
easat-11367	48	38	,	,	PUNCT
easat-11367	48	39	represented	represent	VERB
easat-11367	48	40	by	by	ADP
easat-11367	48	41	the	the	DET
easat-11367	48	42	ratio	ratio	NOUN
easat-11367	48	43	of	of	ADP
easat-11367	48	44	net	net	ADJ
easat-11367	48	45	profit	profit	NOUN
easat-11367	48	46	to	to	AUX
easat-11367	48	47	total	total	ADJ
easat-11367	48	48	assets	asset	NOUN
easat-11367	48	49	in	in	ADP
easat-11367	48	50	yemeni	yemeni	ADJ
easat-11367	48	51	banks	bank	NOUN
easat-11367	48	52	.	.	PUNCT
easat-11367	49	1	this	this	DET
easat-11367	49	2	analysis	analysis	NOUN
easat-11367	49	3	used	use	VERB
easat-11367	49	4	panel	panel	NOUN
easat-11367	49	5	data	data	NOUN
easat-11367	49	6	models	model	NOUN
easat-11367	49	7	covering	cover	VERB
easat-11367	49	8	the	the	DET
easat-11367	49	9	period	period	NOUN
easat-11367	49	10	from	from	ADP
easat-11367	49	11	2004	2004	NUM
easat-11367	49	12	to	to	ADP
easat-11367	49	13	2020	2020	NUM
easat-11367	49	14	.	.	PUNCT
easat-11367	50	1	3	3	X
easat-11367	50	2	.	.	X
easat-11367	50	3	hypotheses	hypothese	VERB
easat-11367	50	4	development	development	NOUN
easat-11367	50	5	and	and	CCONJ
easat-11367	50	6	literature	literature	NOUN
easat-11367	50	7	review	review	PROPN
easat-11367	50	8	3.1	3.1	NUM
easat-11367	50	9	.	.	PUNCT
easat-11367	51	1	the	the	DET
easat-11367	51	2	relationship	relationship	NOUN
easat-11367	51	3	between	between	ADP
easat-11367	51	4	credit	credit	NOUN
easat-11367	51	5	risk	risk	NOUN
easat-11367	51	6	(	(	PUNCT
easat-11367	51	7	cr	cr	NOUN
easat-11367	51	8	)	)	PUNCT
easat-11367	51	9	and	and	CCONJ
easat-11367	51	10	return	return	VERB
easat-11367	51	11	on	on	ADP
easat-11367	51	12	assets	asset	NOUN
easat-11367	51	13	(	(	PUNCT
easat-11367	51	14	roa	roa	NOUN
easat-11367	51	15	)	)	PUNCT
easat-11367	51	16	many	many	ADJ
easat-11367	51	17	previous	previous	ADJ
easat-11367	51	18	studies	study	NOUN
easat-11367	51	19	on	on	ADP
easat-11367	51	20	the	the	DET
easat-11367	51	21	relationship	relationship	NOUN
easat-11367	51	22	and	and	CCONJ
easat-11367	51	23	impact	impact	NOUN
easat-11367	51	24	between	between	ADP
easat-11367	51	25	cr	cr	PROPN
easat-11367	51	26	and	and	CCONJ
easat-11367	51	27	roa	roa	PROPN
easat-11367	51	28	have	have	AUX
easat-11367	51	29	been	be	AUX
easat-11367	51	30	reviewed	review	VERB
easat-11367	51	31	.	.	PUNCT
easat-11367	52	1	for	for	ADP
easat-11367	52	2	example	example	NOUN
easat-11367	52	3	,	,	PUNCT
easat-11367	52	4	kolapo	kolapo	PROPN
easat-11367	52	5	et	et	PROPN
easat-11367	52	6	al	al	PROPN
easat-11367	52	7	.	.	PUNCT
easat-11367	53	1	[	[	X
easat-11367	53	2	12	12	NUM
easat-11367	53	3	]	]	PUNCT
easat-11367	53	4	emphasized	emphasize	VERB
easat-11367	53	5	the	the	DET
easat-11367	53	6	consistent	consistent	ADJ
easat-11367	53	7	effect	effect	NOUN
easat-11367	53	8	of	of	ADP
easat-11367	53	9	cr	cr	PROPN
easat-11367	53	10	on	on	ADP
easat-11367	53	11	roa	roa	PROPN
easat-11367	53	12	in	in	ADP
easat-11367	53	13	nigerian	nigerian	ADJ
easat-11367	53	14	banks	bank	NOUN
easat-11367	53	15	.	.	PUNCT
easat-11367	54	1	similarly	similarly	ADV
easat-11367	54	2	,	,	PUNCT
easat-11367	54	3	studies	study	NOUN
easat-11367	54	4	by	by	ADP
easat-11367	54	5	tirwa	tirwa	NOUN
easat-11367	54	6	et	et	NOUN
easat-11367	54	7	al	al	PROPN
easat-11367	54	8	.	.	PUNCT
easat-11367	55	1	[	[	X
easat-11367	55	2	13	13	NUM
easat-11367	55	3	]	]	PUNCT
easat-11367	55	4	and	and	CCONJ
easat-11367	55	5	hawaldar	hawaldar	VERB
easat-11367	55	6	et	et	PROPN
easat-11367	55	7	al	al	PROPN
easat-11367	55	8	.	.	PUNCT
easat-11367	56	1	[	[	X
easat-11367	56	2	14	14	NUM
easat-11367	56	3	]	]	PUNCT
easat-11367	56	4	conclude	conclude	VERB
easat-11367	56	5	that	that	SCONJ
easat-11367	56	6	cr	cr	PROPN
easat-11367	56	7	has	have	VERB
easat-11367	56	8	a	a	DET
easat-11367	56	9	minimal	minimal	ADJ
easat-11367	56	10	effect	effect	NOUN
easat-11367	56	11	on	on	ADP
easat-11367	56	12	roa	roa	PROPN
easat-11367	56	13	.	.	PUNCT
easat-11367	57	1	conversely	conversely	ADV
easat-11367	57	2	,	,	PUNCT
easat-11367	57	3	isanzu	isanzu	NOUN
easat-11367	57	4	[	[	X
easat-11367	57	5	15	15	NUM
easat-11367	57	6	]	]	PUNCT
easat-11367	57	7	and	and	CCONJ
easat-11367	57	8	afriyie	afriyie	ADV
easat-11367	57	9	and	and	CCONJ
easat-11367	57	10	akotey	akotey	PROPN
easat-11367	58	1	[	[	X
easat-11367	58	2	16	16	NUM
easat-11367	58	3	]	]	PUNCT
easat-11367	58	4	demonstrated	demonstrate	VERB
easat-11367	58	5	that	that	SCONJ
easat-11367	58	6	non	non	ADJ
easat-11367	58	7	-	-	ADJ
easat-11367	58	8	performing	performing	ADJ
easat-11367	58	9	loans	loan	NOUN
easat-11367	58	10	,	,	PUNCT
easat-11367	58	11	as	as	ADP
easat-11367	58	12	a	a	DET
easat-11367	58	13	measure	measure	NOUN
easat-11367	58	14	of	of	ADP
easat-11367	58	15	credit	credit	NOUN
easat-11367	58	16	risk	risk	NOUN
easat-11367	58	17	,	,	PUNCT
easat-11367	58	18	positively	positively	ADV
easat-11367	58	19	influence	influence	VERB
easat-11367	58	20	financial	financial	ADJ
easat-11367	58	21	performance	performance	NOUN
easat-11367	58	22	when	when	SCONJ
easat-11367	58	23	measured	measure	VERB
easat-11367	58	24	by	by	ADP
easat-11367	58	25	roa	roa	PROPN
easat-11367	58	26	.	.	PUNCT
easat-11367	59	1	by	by	ADP
easat-11367	59	2	contrast	contrast	NOUN
easat-11367	59	3	,	,	PUNCT
easat-11367	59	4	jreisat	jreisat	VERB
easat-11367	60	1	[	[	X
easat-11367	60	2	17	17	NUM
easat-11367	60	3	]	]	PUNCT
easat-11367	60	4	claimed	claim	VERB
easat-11367	60	5	that	that	SCONJ
easat-11367	60	6	cr	cr	PROPN
easat-11367	60	7	negatively	negatively	ADV
easat-11367	60	8	affects	affect	VERB
easat-11367	60	9	financial	financial	ADJ
easat-11367	60	10	performance	performance	NOUN
easat-11367	60	11	by	by	ADP
easat-11367	60	12	increasing	increase	VERB
easat-11367	60	13	non	non	ADJ
easat-11367	60	14	-	-	ADJ
easat-11367	60	15	performing	performing	ADJ
easat-11367	60	16	loans	loan	NOUN
easat-11367	60	17	and	and	CCONJ
easat-11367	60	18	reducing	reduce	VERB
easat-11367	60	19	the	the	DET
easat-11367	60	20	overall	overall	ADJ
easat-11367	60	21	quality	quality	NOUN
easat-11367	60	22	of	of	ADP
easat-11367	60	23	loans	loan	NOUN
easat-11367	60	24	study	study	NOUN
easat-11367	60	25	munangi	munangi	NOUN
easat-11367	60	26	and	and	CCONJ
easat-11367	60	27	sibindi	sibindi	VERB
easat-11367	61	1	[	[	X
easat-11367	61	2	18	18	NUM
easat-11367	61	3	]	]	PUNCT
easat-11367	61	4	also	also	ADV
easat-11367	61	5	353	353	NUM
easat-11367	61	6	edelweiss	edelweiss	PROPN
easat-11367	61	7	applied	apply	VERB
easat-11367	61	8	science	science	NOUN
easat-11367	61	9	and	and	CCONJ
easat-11367	61	10	technology	technology	NOUN
easat-11367	61	11	issn	issn	PROPN
easat-11367	61	12	:	:	PUNCT
easat-11367	61	13	2576	2576	NUM
easat-11367	61	14	-	-	SYM
easat-11367	61	15	8484	8484	NUM
easat-11367	61	16	vol	vol	NOUN
easat-11367	61	17	.	.	PROPN
easat-11367	62	1	9	9	NUM
easat-11367	62	2	,	,	PUNCT
easat-11367	62	3	no	no	INTJ
easat-11367	62	4	.	.	NOUN
easat-11367	62	5	12	12	NUM
easat-11367	62	6	:	:	PUNCT
easat-11367	62	7	351	351	NUM
easat-11367	62	8	-	-	SYM
easat-11367	62	9	363	363	NUM
easat-11367	62	10	,	,	PUNCT
easat-11367	62	11	2025	2025	NUM
easat-11367	62	12	doi	doi	NOUN
easat-11367	62	13	:	:	PUNCT
easat-11367	62	14	10.55214/2576	10.55214/2576	NUM
easat-11367	62	15	-	-	SYM
easat-11367	62	16	8484.v9i12.11367	8484.v9i12.11367	NUM
easat-11367	63	1	©	©	PROPN
easat-11367	63	2	2025	2025	NUM
easat-11367	63	3	by	by	ADP
easat-11367	63	4	the	the	DET
easat-11367	63	5	authors	author	NOUN
easat-11367	63	6	;	;	PUNCT
easat-11367	63	7	licensee	licensee	PROPN
easat-11367	63	8	learning	learning	NOUN
easat-11367	63	9	gate	gate	PROPN
easat-11367	63	10	indicated	indicate	VERB
easat-11367	63	11	a	a	DET
easat-11367	63	12	negative	negative	ADJ
easat-11367	63	13	impact	impact	NOUN
easat-11367	63	14	of	of	ADP
easat-11367	63	15	cr	cr	NOUN
easat-11367	63	16	on	on	ADP
easat-11367	63	17	financial	financial	ADJ
easat-11367	63	18	performance	performance	NOUN
easat-11367	63	19	as	as	SCONJ
easat-11367	63	20	measured	measure	VERB
easat-11367	63	21	by	by	ADP
easat-11367	63	22	roa	roa	PROPN
easat-11367	63	23	.	.	PUNCT
easat-11367	64	1	similar	similar	ADJ
easat-11367	64	2	negative	negative	ADJ
easat-11367	64	3	relationships	relationship	NOUN
easat-11367	64	4	were	be	AUX
easat-11367	64	5	reported	report	VERB
easat-11367	64	6	in	in	ADP
easat-11367	64	7	other	other	ADJ
easat-11367	64	8	studies	study	NOUN
easat-11367	64	9	,	,	PUNCT
easat-11367	64	10	singh	singh	PROPN
easat-11367	65	1	[	[	X
easat-11367	65	2	19	19	NUM
easat-11367	65	3	]	]	PUNCT
easat-11367	65	4	,	,	PUNCT
easat-11367	65	5	poudel	poudel	NOUN
easat-11367	65	6	et	et	PROPN
easat-11367	65	7	al	al	PROPN
easat-11367	65	8	.	.	PUNCT
easat-11367	66	1	[	[	X
easat-11367	66	2	20	20	NUM
easat-11367	66	3	]	]	PUNCT
easat-11367	66	4	,	,	PUNCT
easat-11367	66	5	haris	haris	PROPN
easat-11367	66	6	et	et	PROPN
easat-11367	66	7	al	al	PROPN
easat-11367	66	8	.	.	PUNCT
easat-11367	67	1	[	[	X
easat-11367	67	2	21	21	NUM
easat-11367	67	3	]	]	X
easat-11367	67	4	,	,	PUNCT
easat-11367	67	5	abdelaziz	abdelaziz	PROPN
easat-11367	67	6	et	et	PROPN
easat-11367	67	7	al	al	PROPN
easat-11367	67	8	.	.	PUNCT
easat-11367	68	1	[	[	X
easat-11367	68	2	22	22	NUM
easat-11367	68	3	]	]	PUNCT
easat-11367	68	4	,	,	PUNCT
easat-11367	68	5	khanal	khanal	ADJ
easat-11367	68	6	[	[	X
easat-11367	68	7	23	23	NUM
easat-11367	68	8	]	]	PUNCT
easat-11367	68	9	,	,	PUNCT
easat-11367	68	10	mendoza	mendoza	PROPN
easat-11367	68	11	and	and	CCONJ
easat-11367	68	12	rivera	rivera	PROPN
easat-11367	69	1	[	[	X
easat-11367	69	2	24	24	NUM
easat-11367	69	3	]	]	PUNCT
easat-11367	69	4	,	,	PUNCT
easat-11367	69	5	ruziqa	ruziqa	ADJ
easat-11367	70	1	[	[	X
easat-11367	70	2	25	25	NUM
easat-11367	70	3	]	]	PUNCT
easat-11367	70	4	,	,	PUNCT
easat-11367	70	5	opoku	opoku	PROPN
easat-11367	70	6	et	et	PROPN
easat-11367	70	7	al	al	PROPN
easat-11367	70	8	.	.	PUNCT
easat-11367	71	1	[	[	X
easat-11367	71	2	26	26	NUM
easat-11367	71	3	]	]	X
easat-11367	71	4	,	,	PUNCT
easat-11367	71	5	de	de	PROPN
easat-11367	71	6	leon	leon	PROPN
easat-11367	71	7	[	[	X
easat-11367	71	8	27	27	NUM
easat-11367	71	9	]	]	PUNCT
easat-11367	71	10	,	,	PUNCT
easat-11367	71	11	and	and	CCONJ
easat-11367	71	12	staikouras	staikoura	NOUN
easat-11367	71	13	and	and	CCONJ
easat-11367	71	14	wood	wood	NOUN
easat-11367	72	1	[	[	X
easat-11367	72	2	28	28	NUM
easat-11367	72	3	]	]	PUNCT
easat-11367	72	4	,	,	PUNCT
easat-11367	72	5	confirming	confirm	VERB
easat-11367	72	6	that	that	SCONJ
easat-11367	72	7	cr	cr	PROPN
easat-11367	72	8	adversely	adversely	ADV
easat-11367	72	9	affects	affect	VERB
easat-11367	72	10	roa	roa	PROPN
easat-11367	72	11	.	.	PUNCT
easat-11367	73	1	furthermore	furthermore	ADV
easat-11367	73	2	,	,	PUNCT
easat-11367	73	3	noman	noman	PROPN
easat-11367	73	4	et	et	PROPN
easat-11367	73	5	al	al	PROPN
easat-11367	73	6	.	.	PUNCT
easat-11367	74	1	[	[	X
easat-11367	74	2	29	29	NUM
easat-11367	74	3	]	]	PUNCT
easat-11367	74	4	identified	identify	VERB
easat-11367	74	5	a	a	DET
easat-11367	74	6	significantly	significantly	ADV
easat-11367	74	7	strong	strong	ADJ
easat-11367	74	8	negative	negative	ADJ
easat-11367	74	9	statistical	statistical	ADJ
easat-11367	74	10	relationship	relationship	NOUN
easat-11367	74	11	between	between	ADP
easat-11367	74	12	cr	cr	NOUN
easat-11367	74	13	-	-	PUNCT
easat-11367	74	14	defaulted	default	VERB
easat-11367	74	15	loans	loan	NOUN
easat-11367	74	16	to	to	ADP
easat-11367	74	17	total	total	ADJ
easat-11367	74	18	loans	loan	NOUN
easat-11367	74	19	and	and	CCONJ
easat-11367	74	20	loan	loan	NOUN
easat-11367	74	21	loss	loss	NOUN
easat-11367	74	22	reserves	reserve	NOUN
easat-11367	74	23	to	to	ADP
easat-11367	74	24	total	total	ADJ
easat-11367	74	25	loans	loan	NOUN
easat-11367	74	26	,	,	PUNCT
easat-11367	74	27	and	and	CCONJ
easat-11367	74	28	profitability	profitability	NOUN
easat-11367	74	29	benchmarks	benchmark	NOUN
easat-11367	74	30	(	(	PUNCT
easat-11367	74	31	roa	roa	NOUN
easat-11367	74	32	)	)	PUNCT
easat-11367	74	33	.	.	PUNCT
easat-11367	75	1	in	in	ADP
easat-11367	75	2	addition	addition	NOUN
easat-11367	75	3	,	,	PUNCT
easat-11367	75	4	kargi	kargi	NOUN
easat-11367	76	1	[	[	X
easat-11367	76	2	1	1	NUM
easat-11367	76	3	]	]	PUNCT
easat-11367	76	4	,	,	PUNCT
easat-11367	76	5	islam	islam	PROPN
easat-11367	76	6	and	and	CCONJ
easat-11367	76	7	rana	rana	PROPN
easat-11367	77	1	[	[	X
easat-11367	77	2	30	30	NUM
easat-11367	77	3	]	]	PUNCT
easat-11367	77	4	,	,	PUNCT
easat-11367	77	5	silaban	silaban	ADJ
easat-11367	77	6	[	[	X
easat-11367	77	7	31	31	NUM
easat-11367	77	8	]	]	PUNCT
easat-11367	77	9	,	,	PUNCT
easat-11367	77	10	and	and	CCONJ
easat-11367	77	11	al	al	PROPN
easat-11367	77	12	-	-	PUNCT
easat-11367	77	13	eitan	eitan	PROPN
easat-11367	77	14	and	and	CCONJ
easat-11367	77	15	banikhalid	banikhalid	ADJ
easat-11367	77	16	[	[	X
easat-11367	77	17	32	32	NUM
easat-11367	77	18	]	]	PUNCT
easat-11367	77	19	conclude	conclude	VERB
easat-11367	77	20	that	that	PRON
easat-11367	77	21	defaulted	default	VERB
easat-11367	77	22	loans	loan	NOUN
easat-11367	77	23	negatively	negatively	ADV
easat-11367	77	24	affect	affect	VERB
easat-11367	77	25	the	the	DET
easat-11367	77	26	roa	roa	NOUN
easat-11367	77	27	.	.	PUNCT
easat-11367	78	1	after	after	ADP
easat-11367	78	2	reviewing	review	VERB
easat-11367	78	3	the	the	DET
easat-11367	78	4	related	related	ADJ
easat-11367	78	5	studies	study	NOUN
easat-11367	78	6	,	,	PUNCT
easat-11367	78	7	the	the	DET
easat-11367	78	8	current	current	ADJ
easat-11367	78	9	study	study	NOUN
easat-11367	78	10	formulates	formulate	VERB
easat-11367	78	11	the	the	DET
easat-11367	78	12	following	follow	VERB
easat-11367	78	13	hypothesis	hypothesis	NOUN
easat-11367	78	14	:	:	PUNCT
easat-11367	78	15	there	there	PRON
easat-11367	78	16	is	be	VERB
easat-11367	78	17	a	a	DET
easat-11367	78	18	statistically	statistically	ADV
easat-11367	78	19	significant	significant	ADJ
easat-11367	78	20	relationship	relationship	NOUN
easat-11367	78	21	between	between	ADP
easat-11367	78	22	cr	cr	PROPN
easat-11367	78	23	measured	measure	VERB
easat-11367	78	24	by	by	ADP
easat-11367	78	25	(	(	PUNCT
easat-11367	78	26	pdl	pdl	PROPN
easat-11367	78	27	/	/	SYM
easat-11367	78	28	tl	tl	PROPN
easat-11367	78	29	and	and	CCONJ
easat-11367	78	30	tl	tl	PROPN
easat-11367	78	31	/	/	SYM
easat-11367	78	32	td	td	PROPN
easat-11367	78	33	)	)	PUNCT
easat-11367	78	34	and	and	CCONJ
easat-11367	78	35	roa	roa	PROPN
easat-11367	78	36	,	,	PUNCT
easat-11367	78	37	represented	represent	VERB
easat-11367	78	38	by	by	ADP
easat-11367	78	39	the	the	DET
easat-11367	78	40	(	(	PUNCT
easat-11367	78	41	net	net	ADJ
easat-11367	78	42	income	income	NOUN
easat-11367	78	43	-	-	PUNCT
easat-11367	78	44	to	to	ADP
easat-11367	78	45	-	-	PUNCT
easat-11367	78	46	total	total	NOUN
easat-11367	78	47	assets	asset	NOUN
easat-11367	78	48	ratio	ratio	NOUN
easat-11367	78	49	)	)	PUNCT
easat-11367	78	50	in	in	ADP
easat-11367	78	51	yemeni	yemeni	ADJ
easat-11367	78	52	banks	bank	NOUN
easat-11367	78	53	for	for	ADP
easat-11367	78	54	the	the	DET
easat-11367	78	55	period	period	NOUN
easat-11367	78	56	(	(	PUNCT
easat-11367	78	57	2004–2020	2004–2020	NUM
easat-11367	78	58	)	)	PUNCT
easat-11367	78	59	.	.	PUNCT
easat-11367	79	1	3.2	3.2	NUM
easat-11367	79	2	.	.	PUNCT
easat-11367	79	3	measurement	measurement	NOUN
easat-11367	79	4	of	of	ADP
easat-11367	79	5	study	study	NOUN
easat-11367	79	6	variables	variable	VERB
easat-11367	79	7	3.2.1	3.2.1	NUM
easat-11367	79	8	.	.	PUNCT
easat-11367	80	1	credit	credit	NOUN
easat-11367	80	2	risks	risk	NOUN
easat-11367	80	3	(	(	PUNCT
easat-11367	80	4	cr	cr	NOUN
easat-11367	80	5	)	)	PUNCT
easat-11367	80	6	credit	credit	NOUN
easat-11367	80	7	refers	refer	VERB
easat-11367	80	8	to	to	ADP
easat-11367	80	9	the	the	DET
easat-11367	80	10	borrowing	borrowing	NOUN
easat-11367	80	11	and	and	CCONJ
easat-11367	80	12	lending	lending	NOUN
easat-11367	80	13	of	of	ADP
easat-11367	80	14	funds	fund	NOUN
easat-11367	80	15	,	,	PUNCT
easat-11367	80	16	in	in	ADP
easat-11367	80	17	which	which	PRON
easat-11367	80	18	banks	bank	NOUN
easat-11367	80	19	borrow	borrow	VERB
easat-11367	80	20	funds	fund	NOUN
easat-11367	80	21	to	to	PART
easat-11367	80	22	ensure	ensure	VERB
easat-11367	80	23	adequate	adequate	ADJ
easat-11367	80	24	liquidity	liquidity	NOUN
easat-11367	80	25	to	to	PART
easat-11367	80	26	meet	meet	VERB
easat-11367	80	27	their	their	PRON
easat-11367	80	28	obligations	obligation	NOUN
easat-11367	80	29	,	,	PUNCT
easat-11367	80	30	such	such	ADJ
easat-11367	80	31	as	as	ADP
easat-11367	80	32	increased	increase	VERB
easat-11367	80	33	demand	demand	NOUN
easat-11367	80	34	for	for	ADP
easat-11367	80	35	loans	loan	NOUN
easat-11367	80	36	from	from	ADP
easat-11367	80	37	customers	customer	NOUN
easat-11367	80	38	and	and	CCONJ
easat-11367	80	39	investors	investor	NOUN
easat-11367	80	40	.	.	PUNCT
easat-11367	81	1	in	in	ADP
easat-11367	81	2	contrast	contrast	NOUN
easat-11367	81	3	,	,	PUNCT
easat-11367	81	4	banks	bank	NOUN
easat-11367	81	5	lend	lend	VERB
easat-11367	81	6	money	money	NOUN
easat-11367	81	7	to	to	ADP
easat-11367	81	8	individuals	individual	NOUN
easat-11367	81	9	and	and	CCONJ
easat-11367	81	10	organizations	organization	NOUN
easat-11367	81	11	at	at	ADP
easat-11367	81	12	interest	interest	NOUN
easat-11367	81	13	rates	rate	NOUN
easat-11367	81	14	higher	high	ADJ
easat-11367	81	15	than	than	ADP
easat-11367	81	16	those	those	PRON
easat-11367	81	17	paid	pay	VERB
easat-11367	81	18	to	to	ADP
easat-11367	81	19	depositors	depositor	NOUN
easat-11367	81	20	.	.	PUNCT
easat-11367	82	1	interest	interest	NOUN
easat-11367	82	2	and	and	CCONJ
easat-11367	82	3	loans	loan	NOUN
easat-11367	82	4	granted	grant	VERB
easat-11367	82	5	to	to	ADP
easat-11367	82	6	customers	customer	NOUN
easat-11367	82	7	constitute	constitute	VERB
easat-11367	82	8	a	a	DET
easat-11367	82	9	significant	significant	ADJ
easat-11367	82	10	portion	portion	NOUN
easat-11367	82	11	of	of	ADP
easat-11367	82	12	the	the	DET
easat-11367	82	13	bank	bank	NOUN
easat-11367	82	14	's	's	PART
easat-11367	82	15	assets	asset	NOUN
easat-11367	82	16	.	.	PUNCT
easat-11367	83	1	however	however	ADV
easat-11367	83	2	,	,	PUNCT
easat-11367	83	3	defaults	default	NOUN
easat-11367	83	4	on	on	ADP
easat-11367	83	5	these	these	DET
easat-11367	83	6	loans	loan	NOUN
easat-11367	83	7	and	and	CCONJ
easat-11367	83	8	advances	advance	NOUN
easat-11367	83	9	pose	pose	VERB
easat-11367	83	10	severe	severe	ADJ
easat-11367	83	11	setbacks	setback	NOUN
easat-11367	83	12	,	,	PUNCT
easat-11367	83	13	not	not	PART
easat-11367	83	14	only	only	ADV
easat-11367	83	15	for	for	ADP
easat-11367	83	16	borrowers	borrower	NOUN
easat-11367	83	17	and	and	CCONJ
easat-11367	83	18	lenders	lender	NOUN
easat-11367	83	19	but	but	CCONJ
easat-11367	83	20	also	also	ADV
easat-11367	83	21	for	for	ADP
easat-11367	83	22	the	the	DET
easat-11367	83	23	economies	economy	NOUN
easat-11367	83	24	of	of	ADP
easat-11367	83	25	entire	entire	ADJ
easat-11367	83	26	countries	country	NOUN
easat-11367	83	27	[	[	X
easat-11367	83	28	6	6	NUM
easat-11367	83	29	]	]	PUNCT
easat-11367	83	30	.	.	PUNCT
easat-11367	84	1	the	the	DET
easat-11367	84	2	risk	risk	NOUN
easat-11367	84	3	associated	associate	VERB
easat-11367	84	4	with	with	ADP
easat-11367	84	5	a	a	DET
easat-11367	84	6	loan	loan	NOUN
easat-11367	84	7	granted	grant	VERB
easat-11367	84	8	by	by	ADP
easat-11367	84	9	a	a	DET
easat-11367	84	10	bank	bank	NOUN
easat-11367	84	11	that	that	PRON
easat-11367	84	12	is	be	AUX
easat-11367	84	13	not	not	PART
easat-11367	84	14	repaid	repay	VERB
easat-11367	84	15	partially	partially	ADV
easat-11367	84	16	or	or	CCONJ
easat-11367	84	17	fully	fully	ADV
easat-11367	84	18	on	on	ADP
easat-11367	84	19	time	time	NOUN
easat-11367	84	20	is	be	AUX
easat-11367	84	21	known	know	VERB
easat-11367	84	22	as	as	ADP
easat-11367	84	23	a	a	DET
easat-11367	84	24	cr	cr	NOUN
easat-11367	85	1	[	[	X
easat-11367	85	2	33	33	NUM
easat-11367	85	3	]	]	PUNCT
easat-11367	85	4	.	.	PUNCT
easat-11367	86	1	the	the	DET
easat-11367	86	2	risk	risk	NOUN
easat-11367	86	3	of	of	ADP
easat-11367	86	4	credit	credit	NOUN
easat-11367	86	5	is	be	AUX
easat-11367	86	6	considered	consider	VERB
easat-11367	86	7	one	one	NUM
easat-11367	86	8	of	of	ADP
easat-11367	86	9	the	the	DET
easat-11367	86	10	most	most	ADV
easat-11367	86	11	significant	significant	ADJ
easat-11367	86	12	financial	financial	ADJ
easat-11367	86	13	risks	risk	NOUN
easat-11367	86	14	facing	face	VERB
easat-11367	86	15	banks	bank	NOUN
easat-11367	86	16	and	and	CCONJ
easat-11367	86	17	is	be	AUX
easat-11367	86	18	a	a	DET
easat-11367	86	19	primary	primary	ADJ
easat-11367	86	20	factor	factor	NOUN
easat-11367	86	21	contributing	contribute	VERB
easat-11367	86	22	to	to	ADP
easat-11367	86	23	bankruptcy	bankruptcy	NOUN
easat-11367	86	24	and	and	CCONJ
easat-11367	86	25	collapse	collapse	VERB
easat-11367	86	26	[	[	X
easat-11367	86	27	7	7	NUM
easat-11367	86	28	]	]	PUNCT
easat-11367	86	29	.	.	PUNCT
easat-11367	87	1	cr	cr	PROPN
easat-11367	87	2	is	be	AUX
easat-11367	87	3	defined	define	VERB
easat-11367	87	4	as	as	ADP
easat-11367	87	5	the	the	DET
easat-11367	87	6	loss	loss	NOUN
easat-11367	87	7	incurred	incur	VERB
easat-11367	87	8	by	by	ADP
easat-11367	87	9	a	a	DET
easat-11367	87	10	bank	bank	NOUN
easat-11367	87	11	when	when	SCONJ
easat-11367	87	12	the	the	DET
easat-11367	87	13	counterparty	counterparty	NOUN
easat-11367	87	14	(	(	PUNCT
easat-11367	87	15	borrower	borrower	NOUN
easat-11367	87	16	)	)	PUNCT
easat-11367	87	17	fails	fail	VERB
easat-11367	87	18	to	to	PART
easat-11367	87	19	fulfill	fulfill	VERB
easat-11367	87	20	loan	loan	NOUN
easat-11367	87	21	obligations	obligation	NOUN
easat-11367	87	22	upon	upon	SCONJ
easat-11367	87	23	maturity	maturity	NOUN
easat-11367	87	24	,	,	PUNCT
easat-11367	87	25	potentially	potentially	ADV
easat-11367	87	26	leading	lead	VERB
easat-11367	87	27	to	to	ADP
easat-11367	87	28	the	the	DET
easat-11367	87	29	bank	bank	NOUN
easat-11367	87	30	's	's	PART
easat-11367	87	31	bankruptcy	bankruptcy	NOUN
easat-11367	87	32	if	if	SCONJ
easat-11367	87	33	not	not	PART
easat-11367	87	34	managed	manage	VERB
easat-11367	87	35	properly	properly	ADV
easat-11367	87	36	[	[	X
easat-11367	87	37	34	34	NUM
easat-11367	87	38	]	]	PUNCT
easat-11367	87	39	.	.	PUNCT
easat-11367	88	1	cr	cr	PROPN
easat-11367	88	2	is	be	AUX
easat-11367	88	3	also	also	ADV
easat-11367	88	4	defined	define	VERB
easat-11367	88	5	by	by	ADP
easat-11367	88	6	the	the	DET
easat-11367	88	7	basel	basel	PROPN
easat-11367	88	8	committee	committee	PROPN
easat-11367	88	9	on	on	ADP
easat-11367	88	10	banking	banking	NOUN
easat-11367	88	11	supervision	supervision	NOUN
easat-11367	88	12	[	[	X
easat-11367	88	13	8	8	NUM
easat-11367	88	14	]	]	PUNCT
easat-11367	88	15	as	as	ADP
easat-11367	88	16	the	the	DET
easat-11367	88	17	probability	probability	NOUN
easat-11367	88	18	of	of	ADP
easat-11367	88	19	failure	failure	NOUN
easat-11367	88	20	of	of	ADP
easat-11367	88	21	a	a	DET
easat-11367	88	22	borrower	borrower	NOUN
easat-11367	88	23	or	or	CCONJ
easat-11367	88	24	counterparty	counterparty	NOUN
easat-11367	88	25	to	to	PART
easat-11367	88	26	meet	meet	VERB
easat-11367	88	27	their	their	PRON
easat-11367	88	28	obligations	obligation	NOUN
easat-11367	88	29	according	accord	VERB
easat-11367	88	30	to	to	ADP
easat-11367	88	31	the	the	DET
easat-11367	88	32	agreed	agree	VERB
easat-11367	88	33	terms	term	NOUN
easat-11367	88	34	.	.	PUNCT
easat-11367	89	1	for	for	ADP
easat-11367	89	2	bouteille	bouteille	NOUN
easat-11367	89	3	and	and	CCONJ
easat-11367	89	4	coogan	coogan	NOUN
easat-11367	89	5	-	-	PUNCT
easat-11367	89	6	pushner	pushner	NOUN
easat-11367	89	7	[	[	X
easat-11367	89	8	35	35	NUM
easat-11367	89	9	]	]	PUNCT
easat-11367	89	10	,	,	PUNCT
easat-11367	89	11	the	the	DET
easat-11367	89	12	probability	probability	NOUN
easat-11367	89	13	of	of	ADP
easat-11367	89	14	money	money	NOUN
easat-11367	89	15	loss	loss	NOUN
easat-11367	89	16	is	be	AUX
easat-11367	89	17	due	due	ADJ
easat-11367	89	18	to	to	ADP
easat-11367	89	19	a	a	DET
easat-11367	89	20	counterparty	counterparty	NOUN
easat-11367	89	21	's	's	PART
easat-11367	89	22	inability	inability	NOUN
easat-11367	89	23	or	or	CCONJ
easat-11367	89	24	unwillingness	unwillingness	NOUN
easat-11367	89	25	to	to	PART
easat-11367	89	26	fulfill	fulfill	VERB
easat-11367	89	27	their	their	PRON
easat-11367	89	28	financial	financial	ADJ
easat-11367	89	29	obligations	obligation	NOUN
easat-11367	89	30	to	to	ADP
easat-11367	89	31	the	the	DET
easat-11367	89	32	bank	bank	NOUN
easat-11367	89	33	.	.	PUNCT
easat-11367	90	1	many	many	ADJ
easat-11367	90	2	studies	study	NOUN
easat-11367	90	3	on	on	ADP
easat-11367	90	4	measuring	measure	VERB
easat-11367	90	5	cr	cr	NOUN
easat-11367	90	6	have	have	AUX
easat-11367	90	7	employed	employ	VERB
easat-11367	90	8	indicators	indicator	NOUN
easat-11367	90	9	such	such	ADJ
easat-11367	90	10	as	as	ADP
easat-11367	90	11	the	the	DET
easat-11367	90	12	by	by	ADP
easat-11367	90	13	(	(	PUNCT
easat-11367	90	14	pdl	pdl	PROPN
easat-11367	90	15	/	/	SYM
easat-11367	90	16	tl	tl	PROPN
easat-11367	90	17	and	and	CCONJ
easat-11367	90	18	tl	tl	PROPN
easat-11367	90	19	/	/	SYM
easat-11367	90	20	td	td	NOUN
easat-11367	90	21	)	)	PUNCT
easat-11367	90	22	,	,	PUNCT
easat-11367	90	23	such	such	ADJ
easat-11367	90	24	as	as	ADP
easat-11367	90	25	singh	singh	PROPN
easat-11367	90	26	[	[	X
easat-11367	90	27	19	19	NUM
easat-11367	90	28	]	]	PUNCT
easat-11367	90	29	,	,	PUNCT
easat-11367	90	30	poudel	poudel	NOUN
easat-11367	90	31	et	et	PROPN
easat-11367	90	32	al	al	PROPN
easat-11367	90	33	.	.	PUNCT
easat-11367	91	1	[	[	X
easat-11367	91	2	20	20	NUM
easat-11367	91	3	]	]	PUNCT
easat-11367	91	4	,	,	PUNCT
easat-11367	91	5	haris	haris	PROPN
easat-11367	91	6	et	et	PROPN
easat-11367	91	7	al	al	PROPN
easat-11367	91	8	.	.	PUNCT
easat-11367	92	1	[	[	X
easat-11367	92	2	21	21	NUM
easat-11367	92	3	]	]	X
easat-11367	92	4	,	,	PUNCT
easat-11367	92	5	abdelaziz	abdelaziz	PROPN
easat-11367	92	6	et	et	PROPN
easat-11367	92	7	al	al	PROPN
easat-11367	92	8	.	.	PUNCT
easat-11367	93	1	[	[	X
easat-11367	93	2	22	22	NUM
easat-11367	93	3	]	]	PUNCT
easat-11367	93	4	,	,	PUNCT
easat-11367	93	5	opoku	opoku	PROPN
easat-11367	93	6	et	et	PROPN
easat-11367	93	7	al	al	PROPN
easat-11367	93	8	.	.	PUNCT
easat-11367	94	1	[	[	X
easat-11367	94	2	26	26	NUM
easat-11367	94	3	]	]	PUNCT
easat-11367	94	4	,	,	PUNCT
easat-11367	94	5	aleitan	aleitan	PROPN
easat-11367	94	6	and	and	CCONJ
easat-11367	94	7	bani	bani	PROPN
easat-11367	94	8	-	-	PUNCT
easat-11367	94	9	khalid	khalid	PROPN
easat-11367	95	1	[	[	X
easat-11367	95	2	32	32	NUM
easat-11367	95	3	]	]	PUNCT
easat-11367	95	4	,	,	PUNCT
easat-11367	95	5	olalere	olalere	ADV
easat-11367	95	6	et	et	PROPN
easat-11367	95	7	al	al	PROPN
easat-11367	95	8	.	.	PUNCT
easat-11367	96	1	[	[	X
easat-11367	96	2	36	36	NUM
easat-11367	96	3	]	]	PUNCT
easat-11367	96	4	,	,	PUNCT
easat-11367	96	5	al	al	PROPN
easat-11367	96	6	-	-	PUNCT
easat-11367	96	7	qurashi	qurashi	PROPN
easat-11367	96	8	and	and	CCONJ
easat-11367	96	9	al	al	PROPN
easat-11367	96	10	-	-	PUNCT
easat-11367	96	11	maqdashi	maqdashi	NOUN
easat-11367	97	1	[	[	X
easat-11367	97	2	37	37	NUM
easat-11367	97	3	]	]	PUNCT
easat-11367	97	4	,	,	PUNCT
easat-11367	97	5	al	al	PROPN
easat-11367	97	6	-	-	PUNCT
easat-11367	97	7	ghussain	ghussain	PROPN
easat-11367	97	8	and	and	CCONJ
easat-11367	97	9	al	al	PROPN
easat-11367	97	10	-	-	PUNCT
easat-11367	97	11	ali	ali	PROPN
easat-11367	98	1	[	[	X
easat-11367	98	2	38	38	NUM
easat-11367	98	3	]	]	PUNCT
easat-11367	98	4	,	,	PUNCT
easat-11367	98	5	ogboi	ogboi	NOUN
easat-11367	98	6	and	and	CCONJ
easat-11367	98	7	unuafe	unuafe	ADJ
easat-11367	99	1	[	[	X
easat-11367	99	2	39	39	NUM
easat-11367	99	3	]	]	PUNCT
easat-11367	99	4	,	,	PUNCT
easat-11367	99	5	abubakar	abubakar	PROPN
easat-11367	99	6	et	et	PROPN
easat-11367	99	7	al	al	PROPN
easat-11367	99	8	.	.	PUNCT
easat-11367	100	1	[	[	X
easat-11367	100	2	9	9	NUM
easat-11367	100	3	]	]	PUNCT
easat-11367	100	4	,	,	PUNCT
easat-11367	100	5	hawaldar	hawaldar	VERB
easat-11367	100	6	et	et	PROPN
easat-11367	100	7	al	al	PROPN
easat-11367	100	8	.	.	PUNCT
easat-11367	101	1	[	[	X
easat-11367	101	2	14	14	NUM
easat-11367	101	3	]	]	PUNCT
easat-11367	101	4	,	,	PUNCT
easat-11367	101	5	kolapo	kolapo	PROPN
easat-11367	101	6	et	et	PROPN
easat-11367	101	7	al	al	PROPN
easat-11367	101	8	.	.	PUNCT
easat-11367	102	1	[	[	X
easat-11367	102	2	12	12	NUM
easat-11367	102	3	]	]	PUNCT
easat-11367	102	4	and	and	CCONJ
easat-11367	102	5	noman	noman	PROPN
easat-11367	102	6	et	et	PROPN
easat-11367	102	7	al	al	PROPN
easat-11367	102	8	.	.	PUNCT
easat-11367	103	1	[	[	X
easat-11367	103	2	29	29	NUM
easat-11367	103	3	]	]	PUNCT
easat-11367	103	4	.	.	PUNCT
easat-11367	104	1	3.2.2	3.2.2	NUM
easat-11367	104	2	.	.	PUNCT
easat-11367	105	1	return	return	NOUN
easat-11367	105	2	on	on	ADP
easat-11367	105	3	assets	asset	NOUN
easat-11367	105	4	roa	roa	PROPN
easat-11367	105	5	financial	financial	ADJ
easat-11367	105	6	assets	asset	NOUN
easat-11367	105	7	are	be	AUX
easat-11367	105	8	a	a	DET
easat-11367	105	9	basic	basic	ADJ
easat-11367	105	10	element	element	NOUN
easat-11367	105	11	of	of	ADP
easat-11367	105	12	the	the	DET
easat-11367	105	13	investment	investment	NOUN
easat-11367	105	14	and	and	CCONJ
easat-11367	105	15	operational	operational	ADJ
easat-11367	105	16	strategies	strategy	NOUN
easat-11367	105	17	for	for	ADP
easat-11367	105	18	funds	fund	NOUN
easat-11367	105	19	available	available	ADJ
easat-11367	105	20	in	in	ADP
easat-11367	105	21	banks	bank	NOUN
easat-11367	105	22	.	.	PUNCT
easat-11367	106	1	banks	bank	NOUN
easat-11367	106	2	use	use	VERB
easat-11367	106	3	financial	financial	ADJ
easat-11367	106	4	assets	asset	NOUN
easat-11367	106	5	acquired	acquire	VERB
easat-11367	106	6	through	through	ADP
easat-11367	106	7	borrowing	borrowing	NOUN
easat-11367	106	8	,	,	PUNCT
easat-11367	106	9	deposits	deposit	NOUN
easat-11367	106	10	,	,	PUNCT
easat-11367	106	11	or	or	CCONJ
easat-11367	106	12	shareholder	shareholder	NOUN
easat-11367	106	13	contributions	contribution	NOUN
easat-11367	106	14	to	to	PART
easat-11367	106	15	generate	generate	VERB
easat-11367	106	16	financial	financial	ADJ
easat-11367	106	17	returns	return	NOUN
easat-11367	106	18	that	that	PRON
easat-11367	106	19	balance	balance	NOUN
easat-11367	106	20	profitability	profitability	NOUN
easat-11367	106	21	,	,	PUNCT
easat-11367	106	22	liquidity	liquidity	NOUN
easat-11367	106	23	,	,	PUNCT
easat-11367	106	24	and	and	CCONJ
easat-11367	106	25	security	security	NOUN
easat-11367	106	26	.	.	PUNCT
easat-11367	107	1	each	each	DET
easat-11367	107	2	type	type	NOUN
easat-11367	107	3	of	of	ADP
easat-11367	107	4	financial	financial	ADJ
easat-11367	107	5	asset	asset	NOUN
easat-11367	107	6	corresponds	correspond	VERB
easat-11367	107	7	to	to	ADP
easat-11367	107	8	a	a	DET
easat-11367	107	9	specific	specific	ADJ
easat-11367	107	10	investment	investment	NOUN
easat-11367	107	11	,	,	PUNCT
easat-11367	107	12	and	and	CCONJ
easat-11367	107	13	the	the	DET
easat-11367	107	14	degree	degree	NOUN
easat-11367	107	15	to	to	PART
easat-11367	107	16	which	which	PRON
easat-11367	107	17	banks	bank	NOUN
easat-11367	107	18	exploit	exploit	VERB
easat-11367	107	19	these	these	DET
easat-11367	107	20	assets	asset	NOUN
easat-11367	107	21	and	and	CCONJ
easat-11367	107	22	their	their	PRON
easat-11367	107	23	efficacy	efficacy	NOUN
easat-11367	107	24	in	in	ADP
easat-11367	107	25	generating	generate	VERB
easat-11367	107	26	profits	profit	NOUN
easat-11367	107	27	from	from	ADP
easat-11367	107	28	such	such	ADJ
easat-11367	107	29	investments	investment	NOUN
easat-11367	107	30	are	be	AUX
easat-11367	107	31	assessed	assess	VERB
easat-11367	107	32	using	use	VERB
easat-11367	107	33	the	the	DET
easat-11367	107	34	roa	roa	NOUN
easat-11367	107	35	metric	metric	NOUN
easat-11367	108	1	[	[	X
easat-11367	108	2	40	40	NUM
easat-11367	108	3	]	]	PUNCT
easat-11367	108	4	.	.	PUNCT
easat-11367	109	1	roa	roa	PROPN
easat-11367	109	2	contains	contain	VERB
easat-11367	109	3	all	all	DET
easat-11367	109	4	assets	asset	NOUN
easat-11367	109	5	under	under	ADP
easat-11367	109	6	the	the	DET
easat-11367	109	7	bank	bank	NOUN
easat-11367	109	8	’s	’s	PART
easat-11367	109	9	control	control	NOUN
easat-11367	109	10	,	,	PUNCT
easat-11367	109	11	including	include	VERB
easat-11367	109	12	those	those	PRON
easat-11367	109	13	resulting	result	VERB
easat-11367	109	14	from	from	ADP
easat-11367	109	15	obligations	obligation	NOUN
easat-11367	109	16	to	to	ADP
easat-11367	109	17	creditors	creditor	NOUN
easat-11367	109	18	and	and	CCONJ
easat-11367	109	19	investors	investor	NOUN
easat-11367	110	1	[	[	X
easat-11367	110	2	41	41	NUM
easat-11367	110	3	]	]	PUNCT
easat-11367	110	4	.	.	PUNCT
easat-11367	111	1	roa	roa	PROPN
easat-11367	111	2	is	be	AUX
easat-11367	111	3	used	use	VERB
easat-11367	111	4	as	as	ADP
easat-11367	111	5	a	a	DET
easat-11367	111	6	measure	measure	NOUN
easat-11367	111	7	of	of	ADP
easat-11367	111	8	bank	bank	NOUN
easat-11367	111	9	efficiency	efficiency	NOUN
easat-11367	111	10	and	and	CCONJ
easat-11367	111	11	performance	performance	NOUN
easat-11367	111	12	quality	quality	NOUN
easat-11367	111	13	when	when	SCONJ
easat-11367	111	14	exploiting	exploit	VERB
easat-11367	111	15	all	all	DET
easat-11367	111	16	financial	financial	ADJ
easat-11367	111	17	resources	resource	NOUN
easat-11367	111	18	and	and	CCONJ
easat-11367	111	19	assets	asset	NOUN
easat-11367	111	20	to	to	PART
easat-11367	111	21	generate	generate	VERB
easat-11367	111	22	profit	profit	NOUN
easat-11367	112	1	[	[	X
easat-11367	112	2	42	42	NUM
easat-11367	112	3	]	]	PUNCT
easat-11367	112	4	.	.	PUNCT
easat-11367	113	1	it	it	PRON
easat-11367	113	2	is	be	AUX
easat-11367	113	3	also	also	ADV
easat-11367	113	4	defined	define	VERB
easat-11367	113	5	as	as	ADP
easat-11367	113	6	a	a	DET
easat-11367	113	7	measure	measure	NOUN
easat-11367	113	8	of	of	ADP
easat-11367	113	9	management	management	NOUN
easat-11367	113	10	’s	’s	PART
easat-11367	113	11	efficiency	efficiency	NOUN
easat-11367	113	12	in	in	ADP
easat-11367	113	13	making	make	VERB
easat-11367	113	14	profits	profit	NOUN
easat-11367	113	15	from	from	ADP
easat-11367	113	16	each	each	DET
easat-11367	113	17	monetary	monetary	ADJ
easat-11367	113	18	unit	unit	NOUN
easat-11367	113	19	of	of	ADP
easat-11367	113	20	the	the	DET
easat-11367	113	21	bank	bank	NOUN
easat-11367	113	22	's	's	PART
easat-11367	113	23	total	total	ADJ
easat-11367	113	24	assets	asset	NOUN
easat-11367	113	25	and	and	CCONJ
easat-11367	113	26	reflects	reflect	VERB
easat-11367	113	27	the	the	DET
easat-11367	113	28	degree	degree	NOUN
easat-11367	113	29	to	to	PART
easat-11367	113	30	which	which	PRON
easat-11367	113	31	management	management	NOUN
easat-11367	113	32	leverages	leverage	VERB
easat-11367	113	33	available	available	ADJ
easat-11367	113	34	assets	asset	NOUN
easat-11367	113	35	to	to	PART
easat-11367	113	36	generate	generate	VERB
easat-11367	113	37	income	income	NOUN
easat-11367	113	38	,	,	PUNCT
easat-11367	113	39	regardless	regardless	ADV
easat-11367	113	40	of	of	ADP
easat-11367	113	41	the	the	DET
easat-11367	113	42	way	way	NOUN
easat-11367	113	43	these	these	DET
easat-11367	113	44	assets	asset	NOUN
easat-11367	113	45	are	be	AUX
easat-11367	113	46	financed	finance	VERB
easat-11367	113	47	arsew	arsew	PROPN
easat-11367	113	48	et	et	PROPN
easat-11367	113	49	al	al	PROPN
easat-11367	113	50	.	.	PUNCT
easat-11367	114	1	[	[	X
easat-11367	114	2	43	43	NUM
easat-11367	114	3	]	]	PUNCT
easat-11367	114	4	.	.	PUNCT
easat-11367	115	1	ruslan	ruslan	PROPN
easat-11367	115	2	et	et	PROPN
easat-11367	115	3	al	al	PROPN
easat-11367	115	4	.	.	PUNCT
easat-11367	116	1	[	[	X
easat-11367	116	2	44	44	NUM
easat-11367	116	3	]	]	SYM
easat-11367	116	4	state	state	NOUN
easat-11367	116	5	that	that	SCONJ
easat-11367	116	6	roa	roa	PROPN
easat-11367	116	7	is	be	AUX
easat-11367	116	8	an	an	DET
easat-11367	116	9	earnings	earning	NOUN
easat-11367	116	10	measure	measure	NOUN
easat-11367	116	11	that	that	PRON
easat-11367	116	12	centers	center	NOUN
easat-11367	116	13	on	on	ADP
easat-11367	116	14	a	a	DET
easat-11367	116	15	bank	bank	NOUN
easat-11367	116	16	’s	’s	PART
easat-11367	116	17	capacity	capacity	NOUN
easat-11367	116	18	to	to	PART
easat-11367	116	19	produce	produce	VERB
easat-11367	116	20	earnings	earning	NOUN
easat-11367	116	21	from	from	ADP
easat-11367	116	22	diverse	diverse	ADJ
easat-11367	116	23	activities	activity	NOUN
easat-11367	116	24	and	and	CCONJ
easat-11367	116	25	operations	operation	NOUN
easat-11367	116	26	.	.	PUNCT
easat-11367	117	1	several	several	ADJ
easat-11367	117	2	studies	study	NOUN
easat-11367	117	3	have	have	AUX
easat-11367	117	4	used	use	VERB
easat-11367	117	5	the	the	DET
easat-11367	117	6	net	net	ADJ
easat-11367	117	7	income	income	NOUN
easat-11367	117	8	-	-	PUNCT
easat-11367	117	9	to	to	ADP
easat-11367	117	10	-	-	PUNCT
easat-11367	117	11	total	total	NOUN
easat-11367	117	12	assets	asset	NOUN
easat-11367	117	13	ratio	ratio	NOUN
easat-11367	117	14	as	as	ADP
easat-11367	117	15	a	a	DET
easat-11367	117	16	key	key	ADJ
easat-11367	117	17	indicator	indicator	NOUN
easat-11367	117	18	to	to	PART
easat-11367	117	19	assess	assess	VERB
easat-11367	117	20	banks	bank	NOUN
easat-11367	117	21	’	'	PUNCT
easat-11367	117	22	efficiency	efficiency	NOUN
easat-11367	117	23	in	in	ADP
easat-11367	117	24	generating	generate	VERB
easat-11367	117	25	profits	profit	NOUN
easat-11367	117	26	from	from	ADP
easat-11367	117	27	each	each	DET
easat-11367	117	28	monetary	monetary	ADJ
easat-11367	117	29	unit	unit	NOUN
easat-11367	117	30	of	of	ADP
easat-11367	117	31	their	their	PRON
easat-11367	117	32	total	total	ADJ
easat-11367	117	33	assets	asset	NOUN
easat-11367	117	34	.	.	PUNCT
easat-11367	118	1	studies	study	NOUN
easat-11367	118	2	by	by	ADP
easat-11367	118	3	ali	ali	PROPN
easat-11367	118	4	et	et	PROPN
easat-11367	118	5	al	al	PROPN
easat-11367	118	6	.	.	PUNCT
easat-11367	119	1	[	[	X
easat-11367	119	2	45	45	NUM
easat-11367	119	3	]	]	PUNCT
easat-11367	119	4	,	,	PUNCT
easat-11367	119	5	354	354	NUM
easat-11367	119	6	edelweiss	edelweiss	PROPN
easat-11367	119	7	applied	apply	VERB
easat-11367	119	8	science	science	NOUN
easat-11367	119	9	and	and	CCONJ
easat-11367	119	10	technology	technology	NOUN
easat-11367	119	11	issn	issn	PROPN
easat-11367	119	12	:	:	PUNCT
easat-11367	119	13	2576	2576	NUM
easat-11367	119	14	-	-	SYM
easat-11367	119	15	8484	8484	NUM
easat-11367	119	16	vol	vol	NOUN
easat-11367	119	17	.	.	PROPN
easat-11367	120	1	9	9	NUM
easat-11367	120	2	,	,	PUNCT
easat-11367	120	3	no	no	INTJ
easat-11367	120	4	.	.	NOUN
easat-11367	120	5	12	12	NUM
easat-11367	120	6	:	:	PUNCT
easat-11367	120	7	351	351	NUM
easat-11367	120	8	-	-	SYM
easat-11367	120	9	363	363	NUM
easat-11367	120	10	,	,	PUNCT
easat-11367	120	11	2025	2025	NUM
easat-11367	120	12	doi	doi	NOUN
easat-11367	120	13	:	:	PUNCT
easat-11367	120	14	10.55214/2576	10.55214/2576	NUM
easat-11367	120	15	-	-	SYM
easat-11367	120	16	8484.v9i12.11367	8484.v9i12.11367	NUM
easat-11367	121	1	©	©	PROPN
easat-11367	121	2	2025	2025	NUM
easat-11367	121	3	by	by	ADP
easat-11367	121	4	the	the	DET
easat-11367	121	5	authors	author	NOUN
easat-11367	121	6	;	;	PUNCT
easat-11367	121	7	licensee	licensee	PROPN
easat-11367	121	8	learning	learning	PROPN
easat-11367	121	9	gate	gate	PROPN
easat-11367	121	10	puspitasari	puspitasari	PROPN
easat-11367	121	11	et	et	PROPN
easat-11367	121	12	al	al	PROPN
easat-11367	121	13	.	.	PUNCT
easat-11367	122	1	[	[	X
easat-11367	122	2	42	42	NUM
easat-11367	122	3	]	]	PUNCT
easat-11367	122	4	,	,	PUNCT
easat-11367	122	5	akhtar	akhtar	PROPN
easat-11367	122	6	et	et	PROPN
easat-11367	122	7	al	al	PROPN
easat-11367	122	8	.	.	PUNCT
easat-11367	123	1	[	[	X
easat-11367	123	2	46	46	NUM
easat-11367	123	3	]	]	PUNCT
easat-11367	123	4	,	,	PUNCT
easat-11367	123	5	iloska	iloska	ADJ
easat-11367	124	1	[	[	X
easat-11367	124	2	47	47	NUM
easat-11367	124	3	]	]	PUNCT
easat-11367	124	4	,	,	PUNCT
easat-11367	124	5	saleh	saleh	NOUN
easat-11367	124	6	and	and	CCONJ
easat-11367	124	7	abu	abu	PROPN
easat-11367	124	8	afifa	afifa	PROPN
easat-11367	125	1	[	[	X
easat-11367	125	2	3	3	NUM
easat-11367	125	3	]	]	PUNCT
easat-11367	125	4	,	,	PUNCT
easat-11367	125	5	kolapo	kolapo	PROPN
easat-11367	125	6	et	et	PROPN
easat-11367	125	7	al	al	PROPN
easat-11367	125	8	.	.	PUNCT
easat-11367	126	1	[	[	X
easat-11367	126	2	12	12	NUM
easat-11367	126	3	]	]	PUNCT
easat-11367	126	4	,	,	PUNCT
easat-11367	126	5	arias	aria	VERB
easat-11367	126	6	[	[	X
easat-11367	126	7	48	48	NUM
easat-11367	126	8	]	]	PUNCT
easat-11367	126	9	,	,	PUNCT
easat-11367	126	10	roman	roman	NOUN
easat-11367	126	11	and	and	CCONJ
easat-11367	126	12	danuletiu	danuletiu	NOUN
easat-11367	127	1	[	[	X
easat-11367	127	2	49	49	NUM
easat-11367	127	3	]	]	PUNCT
easat-11367	127	4	and	and	CCONJ
easat-11367	127	5	ruslan	ruslan	PROPN
easat-11367	127	6	et	et	PROPN
easat-11367	127	7	al	al	PROPN
easat-11367	127	8	.	.	PUNCT
easat-11367	128	1	[	[	X
easat-11367	128	2	44	44	NUM
easat-11367	128	3	]	]	PUNCT
easat-11367	128	4	.	.	PUNCT
easat-11367	129	1	4	4	X
easat-11367	129	2	.	.	X
easat-11367	129	3	study	study	NOUN
easat-11367	129	4	methodology	methodology	NOUN
easat-11367	129	5	and	and	CCONJ
easat-11367	129	6	procedures	procedure	NOUN
easat-11367	129	7	4.1	4.1	NUM
easat-11367	129	8	.	.	PUNCT
easat-11367	130	1	study	study	NOUN
easat-11367	130	2	population	population	NOUN
easat-11367	130	3	and	and	CCONJ
easat-11367	130	4	sample	sample	NOUN
easat-11367	130	5	according	accord	VERB
easat-11367	130	6	to	to	ADP
easat-11367	130	7	reports	report	NOUN
easat-11367	130	8	issued	issue	VERB
easat-11367	130	9	by	by	ADP
easat-11367	130	10	the	the	DET
easat-11367	130	11	yemen	yemen	PROPN
easat-11367	130	12	banks	banks	PROPN
easat-11367	130	13	association	association	PROPN
easat-11367	131	1	[	[	X
easat-11367	131	2	50	50	NUM
easat-11367	131	3	]	]	PUNCT
easat-11367	131	4	,	,	PUNCT
easat-11367	131	5	18	18	NUM
easat-11367	131	6	banks	bank	NOUN
easat-11367	131	7	are	be	AUX
easat-11367	131	8	operating	operate	VERB
easat-11367	131	9	in	in	ADP
easat-11367	131	10	yemen	yemen	PROPN
easat-11367	131	11	.	.	PUNCT
easat-11367	132	1	however	however	ADV
easat-11367	132	2	,	,	PUNCT
easat-11367	132	3	the	the	DET
easat-11367	132	4	majority	majority	NOUN
easat-11367	132	5	of	of	ADP
easat-11367	132	6	these	these	DET
easat-11367	132	7	banks	bank	NOUN
easat-11367	132	8	lack	lack	VERB
easat-11367	132	9	transparency	transparency	NOUN
easat-11367	132	10	and	and	CCONJ
easat-11367	132	11	fail	fail	VERB
easat-11367	132	12	to	to	PART
easat-11367	132	13	disclose	disclose	VERB
easat-11367	132	14	their	their	PRON
easat-11367	132	15	financial	financial	ADJ
easat-11367	132	16	performance	performance	NOUN
easat-11367	132	17	adequately	adequately	ADV
easat-11367	132	18	.	.	PUNCT
easat-11367	133	1	therefore	therefore	ADV
easat-11367	133	2	,	,	PUNCT
easat-11367	133	3	the	the	DET
easat-11367	133	4	current	current	ADJ
easat-11367	133	5	study	study	NOUN
easat-11367	133	6	population	population	NOUN
easat-11367	133	7	was	be	AUX
easat-11367	133	8	limited	limit	VERB
easat-11367	133	9	to	to	ADP
easat-11367	133	10	yemeni	yemeni	ADJ
easat-11367	133	11	banks	bank	NOUN
easat-11367	133	12	that	that	PRON
easat-11367	133	13	issue	issue	VERB
easat-11367	133	14	annual	annual	ADJ
easat-11367	133	15	financial	financial	ADJ
easat-11367	133	16	reports	report	NOUN
easat-11367	133	17	on	on	ADP
easat-11367	133	18	their	their	PRON
easat-11367	133	19	official	official	ADJ
easat-11367	133	20	websites	website	NOUN
easat-11367	133	21	.	.	PUNCT
easat-11367	134	1	these	these	DET
easat-11367	134	2	banks	bank	NOUN
easat-11367	134	3	are	be	AUX
easat-11367	134	4	the	the	DET
easat-11367	134	5	yemen	yemen	PROPN
easat-11367	134	6	bank	bank	PROPN
easat-11367	134	7	for	for	ADP
easat-11367	134	8	reconstruction	reconstruction	NOUN
easat-11367	134	9	and	and	CCONJ
easat-11367	134	10	development	development	NOUN
easat-11367	134	11	,	,	PUNCT
easat-11367	134	12	the	the	DET
easat-11367	134	13	national	national	PROPN
easat-11367	134	14	bank	bank	PROPN
easat-11367	134	15	of	of	ADP
easat-11367	134	16	yemen	yemen	PROPN
easat-11367	134	17	,	,	PUNCT
easat-11367	134	18	yemen	yemen	PROPN
easat-11367	134	19	commercial	commercial	PROPN
easat-11367	134	20	bank	bank	PROPN
easat-11367	134	21	,	,	PUNCT
easat-11367	134	22	yemen	yemen	PROPN
easat-11367	134	23	kuwait	kuwait	PROPN
easat-11367	134	24	bank	bank	PROPN
easat-11367	134	25	,	,	PUNCT
easat-11367	134	26	international	international	PROPN
easat-11367	134	27	bank	bank	PROPN
easat-11367	134	28	of	of	ADP
easat-11367	134	29	yemen	yemen	PROPN
easat-11367	134	30	,	,	PUNCT
easat-11367	134	31	and	and	CCONJ
easat-11367	134	32	cooperative	cooperative	ADJ
easat-11367	134	33	and	and	CCONJ
easat-11367	134	34	agricultural	agricultural	ADJ
easat-11367	134	35	credit	credit	NOUN
easat-11367	134	36	bank	bank	NOUN
easat-11367	134	37	(	(	PUNCT
easat-11367	134	38	cac	cac	PROPN
easat-11367	134	39	bank	bank	PROPN
easat-11367	134	40	)	)	PUNCT
easat-11367	134	41	.	.	PUNCT
easat-11367	135	1	the	the	DET
easat-11367	135	2	data	datum	NOUN
easat-11367	135	3	obtained	obtain	VERB
easat-11367	135	4	by	by	ADP
easat-11367	135	5	the	the	DET
easat-11367	135	6	researcher	researcher	NOUN
easat-11367	135	7	cover	cover	VERB
easat-11367	135	8	the	the	DET
easat-11367	135	9	period	period	NOUN
easat-11367	135	10	from	from	ADP
easat-11367	135	11	2004	2004	NUM
easat-11367	135	12	to	to	ADP
easat-11367	135	13	2020	2020	NUM
easat-11367	135	14	,	,	PUNCT
easat-11367	135	15	representing	represent	VERB
easat-11367	135	16	the	the	DET
easat-11367	135	17	longest	long	ADJ
easat-11367	135	18	available	available	ADJ
easat-11367	135	19	time	time	NOUN
easat-11367	135	20	span	span	NOUN
easat-11367	135	21	with	with	ADP
easat-11367	135	22	consistent	consistent	ADJ
easat-11367	135	23	time	time	NOUN
easat-11367	135	24	-	-	PUNCT
easat-11367	135	25	series	series	NOUN
easat-11367	135	26	data	datum	NOUN
easat-11367	135	27	across	across	ADP
easat-11367	135	28	those	those	DET
easat-11367	135	29	banks	bank	NOUN
easat-11367	135	30	.	.	PUNCT
easat-11367	136	1	other	other	ADJ
easat-11367	136	2	banks	bank	NOUN
easat-11367	136	3	were	be	AUX
easat-11367	136	4	excluded	exclude	VERB
easat-11367	136	5	because	because	SCONJ
easat-11367	136	6	of	of	ADP
easat-11367	136	7	the	the	DET
easat-11367	136	8	unavailability	unavailability	NOUN
easat-11367	136	9	of	of	ADP
easat-11367	136	10	sufficient	sufficient	ADJ
easat-11367	136	11	financial	financial	ADJ
easat-11367	136	12	data	datum	NOUN
easat-11367	136	13	or	or	CCONJ
easat-11367	136	14	because	because	SCONJ
easat-11367	136	15	their	their	PRON
easat-11367	136	16	data	datum	NOUN
easat-11367	136	17	spanned	span	VERB
easat-11367	136	18	only	only	ADV
easat-11367	136	19	very	very	ADV
easat-11367	136	20	short	short	ADJ
easat-11367	136	21	periods	period	NOUN
easat-11367	136	22	,	,	PUNCT
easat-11367	136	23	which	which	PRON
easat-11367	136	24	did	do	AUX
easat-11367	136	25	not	not	PART
easat-11367	136	26	align	align	VERB
easat-11367	136	27	with	with	ADP
easat-11367	136	28	the	the	DET
easat-11367	136	29	rest	rest	NOUN
easat-11367	136	30	of	of	ADP
easat-11367	136	31	the	the	DET
easat-11367	136	32	financial	financial	ADJ
easat-11367	136	33	records	record	NOUN
easat-11367	136	34	.	.	PUNCT
easat-11367	137	1	based	base	VERB
easat-11367	137	2	on	on	ADP
easat-11367	137	3	the	the	DET
easat-11367	137	4	above	above	NOUN
easat-11367	137	5	,	,	PUNCT
easat-11367	137	6	the	the	DET
easat-11367	137	7	study	study	NOUN
easat-11367	137	8	sample	sample	NOUN
easat-11367	137	9	included	include	VERB
easat-11367	137	10	financial	financial	ADJ
easat-11367	137	11	data	datum	NOUN
easat-11367	137	12	related	relate	VERB
easat-11367	137	13	to	to	ADP
easat-11367	137	14	cr	cr	NOUN
easat-11367	137	15	indicators	indicator	NOUN
easat-11367	137	16	:	:	PUNCT
easat-11367	137	17	•	•	ADP
easat-11367	137	18	pdl	pdl	PROPN
easat-11367	137	19	/	/	SYM
easat-11367	137	20	tl	tl	PROPN
easat-11367	137	21	•	•	NUM
easat-11367	137	22	tl	tl	PROPN
easat-11367	137	23	/	/	SYM
easat-11367	137	24	td	td	NOUN
easat-11367	137	25	additionally	additionally	ADV
easat-11367	137	26	,	,	PUNCT
easat-11367	137	27	the	the	DET
easat-11367	137	28	roa	roa	PROPN
easat-11367	137	29	indicator	indicator	NOUN
easat-11367	137	30	was	be	AUX
easat-11367	137	31	assessed	assess	VERB
easat-11367	137	32	as	as	SCONJ
easat-11367	137	33	follows	follow	VERB
easat-11367	137	34	:	:	PUNCT
easat-11367	137	35	•	•	ADP
easat-11367	137	36	the	the	DET
easat-11367	137	37	portion	portion	NOUN
easat-11367	137	38	of	of	ADP
easat-11367	137	39	net	net	ADJ
easat-11367	137	40	profit	profit	NOUN
easat-11367	137	41	to	to	PART
easat-11367	137	42	total	total	ADJ
easat-11367	137	43	assets	asset	NOUN
easat-11367	137	44	these	these	DET
easat-11367	137	45	indicators	indicator	NOUN
easat-11367	137	46	were	be	AUX
easat-11367	137	47	analyzed	analyze	VERB
easat-11367	137	48	over	over	ADP
easat-11367	137	49	the	the	DET
easat-11367	137	50	period	period	NOUN
easat-11367	137	51	2004–2020	2004–2020	NUM
easat-11367	137	52	for	for	ADP
easat-11367	137	53	the	the	DET
easat-11367	137	54	six	six	NUM
easat-11367	137	55	selected	select	VERB
easat-11367	137	56	yemeni	yemeni	ADJ
easat-11367	137	57	banks	bank	NOUN
easat-11367	137	58	(	(	PUNCT
easat-11367	137	59	study	study	NOUN
easat-11367	137	60	scope	scope	NOUN
easat-11367	137	61	)	)	PUNCT
easat-11367	137	62	.	.	PUNCT
easat-11367	138	1	this	this	PRON
easat-11367	138	2	resulted	result	VERB
easat-11367	138	3	in	in	ADP
easat-11367	138	4	102	102	NUM
easat-11367	138	5	observations	observation	NOUN
easat-11367	138	6	for	for	ADP
easat-11367	138	7	each	each	DET
easat-11367	138	8	indicator	indicator	NOUN
easat-11367	138	9	.	.	PUNCT
easat-11367	139	1	4.2	4.2	NUM
easat-11367	139	2	.	.	PUNCT
easat-11367	139	3	econometric	econometric	ADJ
easat-11367	139	4	models	model	NOUN
easat-11367	139	5	to	to	PART
easat-11367	139	6	achieve	achieve	VERB
easat-11367	139	7	the	the	DET
easat-11367	139	8	study	study	NOUN
easat-11367	139	9	's	's	PART
easat-11367	139	10	objectives	objective	NOUN
easat-11367	139	11	and	and	CCONJ
easat-11367	139	12	answer	answer	VERB
easat-11367	139	13	its	its	PRON
easat-11367	139	14	questions	question	NOUN
easat-11367	139	15	,	,	PUNCT
easat-11367	139	16	in	in	ADP
easat-11367	139	17	harmony	harmony	NOUN
easat-11367	139	18	with	with	ADP
easat-11367	139	19	previous	previous	ADJ
easat-11367	139	20	studies	study	NOUN
easat-11367	139	21	,	,	PUNCT
easat-11367	139	22	poudel	poudel	NOUN
easat-11367	139	23	et	et	PROPN
easat-11367	139	24	al	al	PROPN
easat-11367	139	25	.	.	PUNCT
easat-11367	140	1	[	[	X
easat-11367	140	2	20	20	NUM
easat-11367	140	3	]	]	PUNCT
easat-11367	140	4	,	,	PUNCT
easat-11367	140	5	al	al	PROPN
easat-11367	140	6	-	-	PUNCT
easat-11367	140	7	qurashi	qurashi	PROPN
easat-11367	140	8	and	and	CCONJ
easat-11367	140	9	al	al	PROPN
easat-11367	140	10	-	-	PUNCT
easat-11367	140	11	maqdashi	maqdashi	NOUN
easat-11367	141	1	[	[	X
easat-11367	141	2	37	37	NUM
easat-11367	141	3	]	]	PUNCT
easat-11367	141	4	,	,	PUNCT
easat-11367	141	5	kolapo	kolapo	PROPN
easat-11367	141	6	et	et	PROPN
easat-11367	141	7	al	al	PROPN
easat-11367	141	8	.	.	PUNCT
easat-11367	142	1	[	[	X
easat-11367	142	2	12	12	NUM
easat-11367	142	3	]	]	PUNCT
easat-11367	142	4	,	,	PUNCT
easat-11367	142	5	al	al	PROPN
easat-11367	142	6	-	-	PUNCT
easat-11367	142	7	eitan	eitan	PROPN
easat-11367	142	8	and	and	CCONJ
easat-11367	142	9	bani	bani	PROPN
easat-11367	142	10	-	-	PUNCT
easat-11367	142	11	khalid	khalid	PROPN
easat-11367	143	1	[	[	X
easat-11367	143	2	32	32	NUM
easat-11367	143	3	]	]	PUNCT
easat-11367	143	4	,	,	PUNCT
easat-11367	143	5	saleh	saleh	NOUN
easat-11367	143	6	and	and	CCONJ
easat-11367	143	7	abu	abu	PROPN
easat-11367	143	8	afifa	afifa	PROPN
easat-11367	144	1	[	[	X
easat-11367	144	2	3	3	NUM
easat-11367	144	3	]	]	PUNCT
easat-11367	144	4	,	,	PUNCT
easat-11367	144	5	de	de	PROPN
easat-11367	144	6	leon	leon	PROPN
easat-11367	144	7	[	[	X
easat-11367	144	8	27	27	NUM
easat-11367	144	9	]	]	PUNCT
easat-11367	144	10	,	,	PUNCT
easat-11367	144	11	puspitasari	puspitasari	PROPN
easat-11367	144	12	et	et	PROPN
easat-11367	144	13	al	al	PROPN
easat-11367	144	14	.	.	PUNCT
easat-11367	145	1	[	[	X
easat-11367	145	2	42	42	NUM
easat-11367	145	3	]	]	PUNCT
easat-11367	145	4	,	,	PUNCT
easat-11367	145	5	and	and	CCONJ
easat-11367	145	6	sang	sing	VERB
easat-11367	145	7	tang	tang	PROPN
easat-11367	146	1	my	my	PRON
easat-11367	146	2	[	[	X
easat-11367	146	3	51	51	NUM
easat-11367	146	4	]	]	PUNCT
easat-11367	146	5	,	,	PUNCT
easat-11367	146	6	the	the	DET
easat-11367	146	7	current	current	ADJ
easat-11367	146	8	study	study	NOUN
easat-11367	146	9	employed	employ	VERB
easat-11367	146	10	panel	panel	NOUN
easat-11367	146	11	data	data	NOUN
easat-11367	146	12	models	model	NOUN
easat-11367	146	13	that	that	PRON
easat-11367	146	14	are	be	AUX
easat-11367	146	15	characterized	characterize	VERB
easat-11367	146	16	by	by	ADP
easat-11367	146	17	their	their	PRON
easat-11367	146	18	ability	ability	NOUN
easat-11367	146	19	to	to	PART
easat-11367	146	20	combine	combine	VERB
easat-11367	146	21	the	the	DET
easat-11367	146	22	properties	property	NOUN
easat-11367	146	23	of	of	ADP
easat-11367	146	24	both	both	DET
easat-11367	146	25	cross	cross	ADJ
easat-11367	146	26	-	-	ADJ
easat-11367	146	27	sectional	sectional	ADJ
easat-11367	146	28	data	datum	NOUN
easat-11367	146	29	and	and	CCONJ
easat-11367	146	30	time	time	NOUN
easat-11367	146	31	series	series	PROPN
easat-11367	146	32	data	data	PROPN
easat-11367	146	33	.	.	PUNCT
easat-11367	147	1	cross	cross	ADJ
easat-11367	147	2	-	-	ADJ
easat-11367	147	3	sectional	sectional	ADJ
easat-11367	147	4	data	datum	NOUN
easat-11367	147	5	describe	describe	VERB
easat-11367	147	6	the	the	DET
easat-11367	147	7	behavior	behavior	NOUN
easat-11367	147	8	of	of	ADP
easat-11367	147	9	multiple	multiple	ADJ
easat-11367	147	10	entities	entity	NOUN
easat-11367	147	11	or	or	CCONJ
easat-11367	147	12	cross	cross	ADJ
easat-11367	147	13	-	-	ADJ
easat-11367	147	14	sectional	sectional	ADJ
easat-11367	147	15	units	unit	NOUN
easat-11367	147	16	(	(	PUNCT
easat-11367	147	17	such	such	ADJ
easat-11367	147	18	as	as	ADP
easat-11367	147	19	countries	country	NOUN
easat-11367	147	20	,	,	PUNCT
easat-11367	147	21	banks	bank	NOUN
easat-11367	147	22	,	,	PUNCT
easat-11367	147	23	and	and	CCONJ
easat-11367	147	24	regions	region	NOUN
easat-11367	147	25	)	)	PUNCT
easat-11367	147	26	at	at	ADP
easat-11367	147	27	a	a	DET
easat-11367	147	28	single	single	ADJ
easat-11367	147	29	point	point	NOUN
easat-11367	147	30	in	in	ADP
easat-11367	147	31	time	time	NOUN
easat-11367	147	32	.	.	PUNCT
easat-11367	148	1	however	however	ADV
easat-11367	148	2	,	,	PUNCT
easat-11367	148	3	time	time	NOUN
easat-11367	148	4	-	-	PUNCT
easat-11367	148	5	series	series	NOUN
easat-11367	148	6	data	datum	NOUN
easat-11367	148	7	describe	describe	VERB
easat-11367	148	8	the	the	DET
easat-11367	148	9	behavior	behavior	NOUN
easat-11367	148	10	of	of	ADP
easat-11367	148	11	a	a	DET
easat-11367	148	12	single	single	ADJ
easat-11367	148	13	entity	entity	NOUN
easat-11367	148	14	over	over	ADP
easat-11367	148	15	a	a	DET
easat-11367	148	16	specific	specific	ADJ
easat-11367	148	17	period	period	NOUN
easat-11367	148	18	(	(	PUNCT
easat-11367	148	19	years	year	NOUN
easat-11367	148	20	,	,	PUNCT
easat-11367	148	21	months	month	NOUN
easat-11367	148	22	,	,	PUNCT
easat-11367	148	23	etc	etc	X
easat-11367	148	24	.	.	X
easat-11367	148	25	)	)	PUNCT
easat-11367	148	26	.	.	PUNCT
easat-11367	149	1	the	the	DET
easat-11367	149	2	significance	significance	NOUN
easat-11367	149	3	of	of	ADP
easat-11367	149	4	using	use	VERB
easat-11367	149	5	panel	panel	NOUN
easat-11367	149	6	data	data	NOUN
easat-11367	149	7	models	model	NOUN
easat-11367	149	8	lies	lie	VERB
easat-11367	149	9	in	in	ADP
easat-11367	149	10	their	their	PRON
easat-11367	149	11	capacity	capacity	NOUN
easat-11367	149	12	to	to	PART
easat-11367	149	13	account	account	VERB
easat-11367	149	14	for	for	ADP
easat-11367	149	15	the	the	DET
easat-11367	149	16	effects	effect	NOUN
easat-11367	149	17	of	of	ADP
easat-11367	149	18	both	both	CCONJ
easat-11367	149	19	temporal	temporal	ADJ
easat-11367	149	20	and	and	CCONJ
easat-11367	149	21	cross	cross	ADJ
easat-11367	149	22	-	-	ADJ
easat-11367	149	23	sectional	sectional	ADJ
easat-11367	149	24	changes	change	NOUN
easat-11367	149	25	[	[	X
easat-11367	149	26	51	51	NUM
easat-11367	149	27	]	]	PUNCT
easat-11367	149	28	.	.	PUNCT
easat-11367	150	1	when	when	SCONJ
easat-11367	150	2	both	both	DET
easat-11367	150	3	cross	cross	ADJ
easat-11367	150	4	-	-	ADJ
easat-11367	150	5	sectional	sectional	ADJ
easat-11367	150	6	and	and	CCONJ
easat-11367	150	7	temporal	temporal	ADJ
easat-11367	150	8	dimensions	dimension	NOUN
easat-11367	150	9	are	be	AUX
easat-11367	150	10	present	present	ADJ
easat-11367	150	11	in	in	ADP
easat-11367	150	12	the	the	DET
easat-11367	150	13	panel	panel	NOUN
easat-11367	150	14	data	datum	NOUN
easat-11367	150	15	,	,	PUNCT
easat-11367	150	16	green	green	PROPN
easat-11367	150	17	identified	identify	VERB
easat-11367	150	18	two	two	NUM
easat-11367	150	19	primary	primary	ADJ
easat-11367	150	20	models	model	NOUN
easat-11367	150	21	for	for	ADP
easat-11367	150	22	analyzing	analyze	VERB
easat-11367	150	23	panel	panel	NOUN
easat-11367	150	24	data	datum	NOUN
easat-11367	150	25	,	,	PUNCT
easat-11367	150	26	as	as	SCONJ
easat-11367	150	27	outlined	outline	VERB
easat-11367	150	28	in	in	ADP
easat-11367	150	29	[	[	X
easat-11367	150	30	52	52	NUM
easat-11367	150	31	]	]	PUNCT
easat-11367	150	32	:	:	PUNCT
easat-11367	150	33	the	the	DET
easat-11367	150	34	fixed	fix	VERB
easat-11367	150	35	effects	effect	NOUN
easat-11367	150	36	model	model	NOUN
easat-11367	150	37	represents	represent	VERB
easat-11367	150	38	the	the	DET
easat-11367	150	39	general	general	ADJ
easat-11367	150	40	linear	linear	PROPN
easat-11367	150	41	model	model	NOUN
easat-11367	150	42	for	for	ADP
easat-11367	150	43	panel	panel	NOUN
easat-11367	150	44	data	datum	NOUN
easat-11367	150	45	under	under	ADP
easat-11367	150	46	the	the	DET
easat-11367	150	47	assumption	assumption	NOUN
easat-11367	150	48	of	of	ADP
easat-11367	150	49	parameter	parameter	NOUN
easat-11367	150	50	homogeneity	homogeneity	NOUN
easat-11367	150	51	(	(	PUNCT
easat-11367	150	52	α	α	NOUN
easat-11367	150	53	,	,	PUNCT
easat-11367	150	54	β	β	NOUN
easat-11367	150	55	)	)	PUNCT
easat-11367	150	56	across	across	ADP
easat-11367	150	57	all	all	DET
easat-11367	150	58	cross	cross	ADJ
easat-11367	150	59	-	-	ADJ
easat-11367	150	60	sectional	sectional	ADJ
easat-11367	150	61	units	unit	NOUN
easat-11367	150	62	(	(	PUNCT
easat-11367	150	63	i	i	NOUN
easat-11367	150	64	)	)	PUNCT
easat-11367	150	65	,	,	PUNCT
easat-11367	150	66	and	and	CCONJ
easat-11367	150	67	takes	take	VERB
easat-11367	150	68	the	the	DET
easat-11367	150	69	following	follow	VERB
easat-11367	150	70	mathematical	mathematical	ADJ
easat-11367	150	71	equation	equation	NOUN
easat-11367	150	72	:	:	PUNCT
easat-11367	150	73	𝑦𝑖𝑡	𝑦𝑖𝑡	VERB
easat-11367	150	74	=	=	SYM
easat-11367	150	75			NOUN
easat-11367	150	76	+	+	CCONJ
easat-11367	150	77	∑𝑥𝑗(𝑖𝑡	∑𝑥𝑗(𝑖𝑡	NOUN
easat-11367	150	78	)	)	PUNCT
easat-11367	150	79	+	+	CCONJ
easat-11367	150	80	𝑢𝑖𝑡	𝑢𝑖𝑡	VERB
easat-11367	150	81	𝑘	𝑘	ADP
easat-11367	150	82	𝑗=1	𝑗=1	PROPN
easat-11367	150	83	(	(	PUNCT
easat-11367	150	84	1	1	X
easat-11367	150	85	)	)	PUNCT
easat-11367	151	1	where	where	SCONJ
easat-11367	151	2	:	:	PUNCT
easat-11367	151	3	1	1	X
easat-11367	151	4	.	.	PUNCT
easat-11367	151	5	(	(	PUNCT
easat-11367	151	6	i	i	NOUN
easat-11367	151	7	)	)	PUNCT
easat-11367	151	8	represents	represent	VERB
easat-11367	151	9	the	the	DET
easat-11367	151	10	cross	cross	ADJ
easat-11367	151	11	-	-	ADJ
easat-11367	151	12	sectional	sectional	ADJ
easat-11367	151	13	unit	unit	NOUN
easat-11367	151	14	(	(	PUNCT
easat-11367	151	15	i	i	NOUN
easat-11367	151	16	=	=	NOUN
easat-11367	151	17	1	1	NUM
easat-11367	151	18	,	,	PUNCT
easat-11367	151	19	…	…	PUNCT
easat-11367	151	20	,	,	PUNCT
easat-11367	151	21	n	n	CCONJ
easat-11367	151	22	)	)	PUNCT
easat-11367	151	23	2	2	NUM
easat-11367	151	24	.	.	PUNCT
easat-11367	151	25	(	(	PUNCT
easat-11367	151	26	t	t	NOUN
easat-11367	151	27	)	)	PUNCT
easat-11367	151	28	represents	represent	VERB
easat-11367	151	29	the	the	DET
easat-11367	151	30	time	time	NOUN
easat-11367	151	31	period	period	NOUN
easat-11367	151	32	(	(	PUNCT
easat-11367	151	33	t	t	NOUN
easat-11367	151	34	=	=	SYM
easat-11367	151	35	1	1	NUM
easat-11367	151	36	,	,	PUNCT
easat-11367	151	37	…	…	NUM
easat-11367	151	38	,	,	PUNCT
easat-11367	151	39	t	t	PROPN
easat-11367	151	40	)	)	PUNCT
easat-11367	151	41	3	3	NUM
easat-11367	151	42	.	.	PUNCT
easat-11367	152	1	(	(	PUNCT
easat-11367	152	2	k	k	X
easat-11367	152	3	)	)	PUNCT
easat-11367	152	4	represents	represent	VERB
easat-11367	152	5	the	the	DET
easat-11367	152	6	number	number	NOUN
easat-11367	152	7	of	of	ADP
easat-11367	152	8	independent	independent	ADJ
easat-11367	152	9	variables	variable	NOUN
easat-11367	152	10	(	(	PUNCT
easat-11367	152	11	k	k	NOUN
easat-11367	152	12	=	=	SYM
easat-11367	152	13	1	1	NUM
easat-11367	152	14	,	,	PUNCT
easat-11367	152	15	…	…	PUNCT
easat-11367	152	16	,	,	PUNCT
easat-11367	152	17	n	n	CCONJ
easat-11367	152	18	)	)	PUNCT
easat-11367	152	19	4	4	NUM
easat-11367	152	20	.	.	PUNCT
easat-11367	152	21	(	(	PUNCT
easat-11367	152	22	it	it	NOUN
easat-11367	152	23	)	)	PUNCT
easat-11367	152	24	is	be	AUX
easat-11367	152	25	the	the	DET
easat-11367	152	26	intercept	intercept	NOUN
easat-11367	152	27	term	term	NOUN
easat-11367	152	28	(	(	PUNCT
easat-11367	152	29	individual	individual	ADJ
easat-11367	152	30	effect	effect	NOUN
easat-11367	152	31	)	)	PUNCT
easat-11367	152	32	,	,	PUNCT
easat-11367	152	33	representing	represent	VERB
easat-11367	152	34	the	the	DET
easat-11367	152	35	intercept	intercept	NOUN
easat-11367	152	36	for	for	ADP
easat-11367	152	37	cross	cross	ADJ
easat-11367	152	38	-	-	ADJ
easat-11367	152	39	sectional	sectional	ADJ
easat-11367	152	40	unit	unit	NOUN
easat-11367	152	41	i	i	PRON
easat-11367	152	42	at	at	ADP
easat-11367	152	43	time	time	NOUN
easat-11367	152	44	period	period	NOUN
easat-11367	152	45	t	t	PROPN
easat-11367	152	46	5	5	NUM
easat-11367	152	47	.	.	PUNCT
easat-11367	153	1	(	(	PUNCT
easat-11367	153	2	xj(it	xj(it	NUM
easat-11367	153	3	)	)	PUNCT
easat-11367	153	4	)	)	PUNCT
easat-11367	154	1	is	be	AUX
easat-11367	154	2	the	the	DET
easat-11367	154	3	observed	observe	VERB
easat-11367	154	4	value	value	NOUN
easat-11367	154	5	of	of	ADP
easat-11367	154	6	the	the	DET
easat-11367	154	7	independent	independent	ADJ
easat-11367	154	8	variable	variable	ADJ
easat-11367	154	9	j	j	PROPN
easat-11367	154	10	for	for	ADP
easat-11367	154	11	cross	cross	ADJ
easat-11367	154	12	-	-	ADJ
easat-11367	154	13	sectional	sectional	ADJ
easat-11367	154	14	unit	unit	NOUN
easat-11367	154	15	i	i	PRON
easat-11367	154	16	during	during	ADP
easat-11367	154	17	time	time	NOUN
easat-11367	154	18	period	period	NOUN
easat-11367	154	19	t.	t.	PROPN
easat-11367	154	20	355	355	NUM
easat-11367	154	21	edelweiss	edelweiss	PROPN
easat-11367	154	22	applied	apply	VERB
easat-11367	154	23	science	science	NOUN
easat-11367	154	24	and	and	CCONJ
easat-11367	154	25	technology	technology	NOUN
easat-11367	154	26	issn	issn	PROPN
easat-11367	154	27	:	:	PUNCT
easat-11367	154	28	2576	2576	NUM
easat-11367	154	29	-	-	SYM
easat-11367	154	30	8484	8484	NUM
easat-11367	154	31	vol	vol	NOUN
easat-11367	154	32	.	.	PROPN
easat-11367	155	1	9	9	NUM
easat-11367	155	2	,	,	PUNCT
easat-11367	155	3	no	no	INTJ
easat-11367	155	4	.	.	NOUN
easat-11367	155	5	12	12	NUM
easat-11367	155	6	:	:	PUNCT
easat-11367	155	7	351	351	NUM
easat-11367	155	8	-	-	SYM
easat-11367	155	9	363	363	NUM
easat-11367	155	10	,	,	PUNCT
easat-11367	155	11	2025	2025	NUM
easat-11367	155	12	doi	doi	NOUN
easat-11367	155	13	:	:	PUNCT
easat-11367	155	14	10.55214/2576	10.55214/2576	NUM
easat-11367	155	15	-	-	SYM
easat-11367	155	16	8484.v9i12.11367	8484.v9i12.11367	NUM
easat-11367	156	1	©	©	PROPN
easat-11367	156	2	2025	2025	NUM
easat-11367	156	3	by	by	ADP
easat-11367	156	4	the	the	DET
easat-11367	156	5	authors	author	NOUN
easat-11367	156	6	;	;	PUNCT
easat-11367	156	7	licensee	licensee	PROPN
easat-11367	156	8	learning	learning	NOUN
easat-11367	156	9	gate	gate	NOUN
easat-11367	156	10	6	6	NUM
easat-11367	156	11	.	.	PUNCT
easat-11367	156	12	(	(	PUNCT
easat-11367	156	13	j	j	NOUN
easat-11367	156	14	)	)	PUNCT
easat-11367	156	15	is	be	AUX
easat-11367	156	16	the	the	DET
easat-11367	156	17	slope	slope	NOUN
easat-11367	156	18	coefficient	coefficient	NOUN
easat-11367	156	19	of	of	ADP
easat-11367	156	20	the	the	DET
easat-11367	156	21	regression	regression	NOUN
easat-11367	156	22	line	line	NOUN
easat-11367	156	23	7	7	NUM
easat-11367	156	24	.	.	PUNCT
easat-11367	156	25	(	(	PUNCT
easat-11367	156	26	uit	uit	NOUN
easat-11367	156	27	)	)	PUNCT
easat-11367	156	28	is	be	AUX
easat-11367	156	29	the	the	DET
easat-11367	156	30	random	random	ADJ
easat-11367	156	31	error	error	NOUN
easat-11367	156	32	term	term	NOUN
easat-11367	156	33	for	for	ADP
easat-11367	156	34	cross	cross	ADJ
easat-11367	156	35	-	-	ADJ
easat-11367	156	36	sectional	sectional	ADJ
easat-11367	156	37	unit	unit	NOUN
easat-11367	156	38	i	i	PRON
easat-11367	156	39	during	during	ADP
easat-11367	156	40	time	time	NOUN
easat-11367	156	41	period	period	NOUN
easat-11367	156	42	t	t	PROPN
easat-11367	156	43	8	8	NUM
easat-11367	156	44	.	.	PUNCT
easat-11367	157	1	(	(	PUNCT
easat-11367	157	2	𝑦it	𝑦it	NOUN
easat-11367	157	3	)	)	PUNCT
easat-11367	157	4	is	be	AUX
easat-11367	157	5	the	the	DET
easat-11367	157	6	observed	observe	VERB
easat-11367	157	7	value	value	NOUN
easat-11367	157	8	of	of	ADP
easat-11367	157	9	the	the	DET
easat-11367	157	10	dependent	dependent	ADJ
easat-11367	157	11	variable	variable	NOUN
easat-11367	157	12	for	for	ADP
easat-11367	157	13	cross	cross	ADJ
easat-11367	157	14	-	-	ADJ
easat-11367	157	15	sectional	sectional	ADJ
easat-11367	157	16	unit	unit	NOUN
easat-11367	157	17	i	i	PRON
easat-11367	157	18	during	during	ADP
easat-11367	157	19	time	time	NOUN
easat-11367	157	20	period	period	NOUN
easat-11367	157	21	t	t	PROPN
easat-11367	157	22	the	the	DET
easat-11367	157	23	random	random	ADJ
easat-11367	157	24	-	-	PUNCT
easat-11367	157	25	effects	effect	NOUN
easat-11367	157	26	model	model	NOUN
easat-11367	157	27	represents	represent	VERB
easat-11367	157	28	the	the	DET
easat-11367	157	29	general	general	ADJ
easat-11367	157	30	linear	linear	PROPN
easat-11367	157	31	model	model	NOUN
easat-11367	157	32	for	for	ADP
easat-11367	157	33	panel	panel	NOUN
easat-11367	157	34	data	datum	NOUN
easat-11367	157	35	under	under	ADP
easat-11367	157	36	the	the	DET
easat-11367	157	37	assumption	assumption	NOUN
easat-11367	157	38	of	of	ADP
easat-11367	157	39	parameter	parameter	PROPN
easat-11367	157	40	heterogeneity	heterogeneity	PROPN
easat-11367	157	41	(	(	PUNCT
easat-11367	157	42	α	α	X
easat-11367	157	43	,	,	PUNCT
easat-11367	157	44	β	β	NOUN
easat-11367	157	45	)	)	PUNCT
easat-11367	157	46	across	across	ADP
easat-11367	157	47	all	all	DET
easat-11367	157	48	cross	cross	ADJ
easat-11367	157	49	-	-	ADJ
easat-11367	157	50	sectional	sectional	ADJ
easat-11367	157	51	units	unit	NOUN
easat-11367	157	52	(	(	PUNCT
easat-11367	157	53	i	i	NOUN
easat-11367	157	54	)	)	PUNCT
easat-11367	157	55	,	,	PUNCT
easat-11367	157	56	with	with	ADP
easat-11367	157	57	variations	variation	NOUN
easat-11367	157	58	from	from	ADP
easat-11367	157	59	one	one	NUM
easat-11367	157	60	unit	unit	NOUN
easat-11367	157	61	to	to	ADP
easat-11367	157	62	another	another	PRON
easat-11367	157	63	.	.	PUNCT
easat-11367	158	1	this	this	DET
easat-11367	158	2	model	model	NOUN
easat-11367	158	3	uses	use	VERB
easat-11367	158	4	the	the	DET
easat-11367	158	5	following	following	ADJ
easat-11367	158	6	mathematical	mathematical	ADJ
easat-11367	158	7	equation	equation	NOUN
easat-11367	158	8	:	:	PUNCT
easat-11367	158	9	𝑦𝑖𝑡	𝑦𝑖𝑡	NOUN
easat-11367	158	10	=	=	NOUN
easat-11367	158	11	𝑎𝑖𝑡	𝑎𝑖𝑡	NOUN
easat-11367	158	12	+	+	X
easat-11367	158	13	∑	∑	PUNCT
easat-11367	158	14	𝐵𝑗𝑥𝑗(𝑖𝑡	𝐵𝑗𝑥𝑗(𝑖𝑡	NOUN
easat-11367	158	15	)	)	PUNCT
easat-11367	158	16	+	+	CCONJ
easat-11367	158	17	𝑢𝑖𝑡	𝑢𝑖𝑡	VERB
easat-11367	158	18	𝑘	𝑘	ADP
easat-11367	158	19	𝑗=1	𝑗=1	PROPN
easat-11367	158	20	(	(	PUNCT
easat-11367	158	21	2	2	NUM
easat-11367	158	22	)	)	PUNCT
easat-11367	158	23	where	where	SCONJ
easat-11367	158	24	:	:	PUNCT
easat-11367	158	25	1	1	X
easat-11367	158	26	.	.	X
easat-11367	158	27	ait	ait	VERB
easat-11367	158	28	=	=	SYM
easat-11367	158	29	1	1	NUM
easat-11367	158	30	,	,	PUNCT
easat-11367	158	31	…	…	PUNCT
easat-11367	158	32	,	,	PUNCT
easat-11367	158	33	n	n	PROPN
easat-11367	158	34	2	2	NUM
easat-11367	158	35	.	.	PUNCT
easat-11367	159	1	bj	bj	VERB
easat-11367	159	2	=	=	NOUN
easat-11367	159	3	1	1	NUM
easat-11367	159	4	,	,	PUNCT
easat-11367	159	5	…	…	PUNCT
easat-11367	159	6	,	,	PUNCT
easat-11367	159	7	n	n	CCONJ
easat-11367	159	8	in	in	ADP
easat-11367	159	9	light	light	NOUN
easat-11367	159	10	of	of	ADP
easat-11367	159	11	equations	equation	NOUN
easat-11367	159	12	(	(	PUNCT
easat-11367	159	13	1	1	NUM
easat-11367	159	14	)	)	PUNCT
easat-11367	159	15	and	and	CCONJ
easat-11367	159	16	(	(	PUNCT
easat-11367	159	17	2	2	NUM
easat-11367	159	18	)	)	PUNCT
easat-11367	159	19	,	,	PUNCT
easat-11367	159	20	if	if	SCONJ
easat-11367	159	21	the	the	DET
easat-11367	159	22	behavior	behavior	NOUN
easat-11367	159	23	of	of	ADP
easat-11367	159	24	the	the	DET
easat-11367	159	25	data	datum	NOUN
easat-11367	159	26	in	in	ADP
easat-11367	159	27	the	the	DET
easat-11367	159	28	current	current	ADJ
easat-11367	159	29	period	period	NOUN
easat-11367	159	30	is	be	AUX
easat-11367	159	31	not	not	PART
easat-11367	159	32	influenced	influence	VERB
easat-11367	159	33	by	by	ADP
easat-11367	159	34	its	its	PRON
easat-11367	159	35	behavior	behavior	NOUN
easat-11367	159	36	in	in	ADP
easat-11367	159	37	the	the	DET
easat-11367	159	38	previous	previous	ADJ
easat-11367	159	39	period	period	NOUN
easat-11367	159	40	,	,	PUNCT
easat-11367	159	41	and	and	CCONJ
easat-11367	159	42	the	the	DET
easat-11367	159	43	individual	individual	ADJ
easat-11367	159	44	effect	effect	NOUN
easat-11367	159	45	of	of	ADP
easat-11367	159	46	the	the	DET
easat-11367	159	47	cross	cross	ADJ
easat-11367	159	48	-	-	ADJ
easat-11367	159	49	sectional	sectional	ADJ
easat-11367	159	50	units	unit	NOUN
easat-11367	159	51	is	be	AUX
easat-11367	159	52	the	the	DET
easat-11367	159	53	main	main	ADJ
easat-11367	159	54	determinant	determinant	ADJ
easat-11367	159	55	in	in	ADP
easat-11367	159	56	selecting	select	VERB
easat-11367	159	57	the	the	DET
easat-11367	159	58	appropriate	appropriate	ADJ
easat-11367	159	59	model	model	NOUN
easat-11367	159	60	for	for	ADP
easat-11367	159	61	data	datum	NOUN
easat-11367	159	62	analysis	analysis	NOUN
easat-11367	159	63	,	,	PUNCT
easat-11367	159	64	in	in	ADP
easat-11367	159	65	addition	addition	NOUN
easat-11367	159	66	to	to	ADP
easat-11367	159	67	the	the	DET
easat-11367	159	68	overall	overall	ADJ
easat-11367	159	69	homogeneity	homogeneity	NOUN
easat-11367	159	70	and	and	CCONJ
easat-11367	159	71	stationarity	stationarity	NOUN
easat-11367	159	72	of	of	ADP
easat-11367	159	73	the	the	DET
easat-11367	159	74	data	datum	NOUN
easat-11367	159	75	at	at	ADP
easat-11367	159	76	the	the	DET
easat-11367	159	77	level	level	NOUN
easat-11367	159	78	and	and	CCONJ
easat-11367	159	79	the	the	DET
easat-11367	159	80	absence	absence	NOUN
easat-11367	159	81	of	of	ADP
easat-11367	159	82	cross	cross	ADJ
easat-11367	159	83	-	-	ADJ
easat-11367	159	84	sectional	sectional	ADJ
easat-11367	159	85	correlation	correlation	NOUN
easat-11367	159	86	between	between	ADP
easat-11367	159	87	the	the	DET
easat-11367	159	88	units	unit	NOUN
easat-11367	159	89	,	,	PUNCT
easat-11367	159	90	the	the	DET
easat-11367	159	91	most	most	ADV
easat-11367	159	92	suitable	suitable	ADJ
easat-11367	159	93	models	model	NOUN
easat-11367	159	94	for	for	ADP
easat-11367	159	95	estimating	estimate	VERB
easat-11367	159	96	the	the	DET
easat-11367	159	97	relationship	relationship	NOUN
easat-11367	159	98	between	between	ADP
easat-11367	159	99	variables	variable	NOUN
easat-11367	159	100	are	be	AUX
easat-11367	159	101	the	the	DET
easat-11367	159	102	fixed	fix	VERB
easat-11367	159	103	effects	effect	NOUN
easat-11367	159	104	models	model	NOUN
easat-11367	159	105	..	..	PUNCT
easat-11367	159	106	in	in	ADP
easat-11367	159	107	contrast	contrast	NOUN
easat-11367	159	108	,	,	PUNCT
easat-11367	159	109	the	the	DET
easat-11367	159	110	most	most	ADV
easat-11367	159	111	appropriate	appropriate	ADJ
easat-11367	159	112	models	model	NOUN
easat-11367	159	113	for	for	ADP
easat-11367	159	114	estimating	estimate	VERB
easat-11367	159	115	the	the	DET
easat-11367	159	116	relationship	relationship	NOUN
easat-11367	159	117	between	between	ADP
easat-11367	159	118	variables	variable	NOUN
easat-11367	159	119	are	be	AUX
easat-11367	159	120	random	random	ADJ
easat-11367	159	121	-	-	PUNCT
easat-11367	159	122	effects	effect	NOUN
easat-11367	159	123	panel	panel	NOUN
easat-11367	159	124	data	datum	NOUN
easat-11367	159	125	models	model	NOUN
easat-11367	159	126	.	.	PUNCT
easat-11367	160	1	if	if	SCONJ
easat-11367	160	2	the	the	DET
easat-11367	160	3	behavior	behavior	NOUN
easat-11367	160	4	of	of	ADP
easat-11367	160	5	the	the	DET
easat-11367	160	6	data	datum	NOUN
easat-11367	160	7	in	in	ADP
easat-11367	160	8	the	the	DET
easat-11367	160	9	current	current	ADJ
easat-11367	160	10	period	period	NOUN
easat-11367	160	11	is	be	AUX
easat-11367	160	12	influenced	influence	VERB
easat-11367	160	13	by	by	ADP
easat-11367	160	14	its	its	PRON
easat-11367	160	15	behavior	behavior	NOUN
easat-11367	160	16	in	in	ADP
easat-11367	160	17	the	the	DET
easat-11367	160	18	previous	previous	ADJ
easat-11367	160	19	period	period	NOUN
easat-11367	160	20	,	,	PUNCT
easat-11367	160	21	the	the	DET
easat-11367	160	22	random	random	ADJ
easat-11367	160	23	effects	effect	NOUN
easat-11367	160	24	of	of	ADP
easat-11367	160	25	the	the	DET
easat-11367	160	26	cross	cross	ADJ
easat-11367	160	27	-	-	ADJ
easat-11367	160	28	sectional	sectional	ADJ
easat-11367	160	29	units	unit	NOUN
easat-11367	160	30	are	be	AUX
easat-11367	160	31	the	the	DET
easat-11367	160	32	main	main	ADJ
easat-11367	160	33	determinants	determinant	NOUN
easat-11367	160	34	in	in	ADP
easat-11367	160	35	selecting	select	VERB
easat-11367	160	36	the	the	DET
easat-11367	160	37	appropriate	appropriate	ADJ
easat-11367	160	38	model	model	NOUN
easat-11367	160	39	for	for	ADP
easat-11367	160	40	data	datum	NOUN
easat-11367	160	41	analysis	analysis	NOUN
easat-11367	160	42	,	,	PUNCT
easat-11367	160	43	along	along	ADP
easat-11367	160	44	with	with	ADP
easat-11367	160	45	the	the	DET
easat-11367	160	46	absence	absence	NOUN
easat-11367	160	47	of	of	ADP
easat-11367	160	48	overall	overall	ADJ
easat-11367	160	49	homogeneity	homogeneity	NOUN
easat-11367	160	50	,	,	PUNCT
easat-11367	160	51	nonstationarity	nonstationarity	NOUN
easat-11367	160	52	at	at	ADP
easat-11367	160	53	the	the	DET
easat-11367	160	54	level	level	NOUN
easat-11367	160	55	,	,	PUNCT
easat-11367	160	56	and	and	CCONJ
easat-11367	160	57	the	the	DET
easat-11367	160	58	presence	presence	NOUN
easat-11367	160	59	of	of	ADP
easat-11367	160	60	cross	cross	ADJ
easat-11367	160	61	-	-	ADJ
easat-11367	160	62	sectional	sectional	ADJ
easat-11367	160	63	correlation	correlation	NOUN
easat-11367	160	64	between	between	ADP
easat-11367	160	65	the	the	DET
easat-11367	160	66	units	unit	NOUN
easat-11367	160	67	.	.	PUNCT
easat-11367	161	1	these	these	DET
easat-11367	161	2	models	model	NOUN
easat-11367	161	3	allow	allow	VERB
easat-11367	161	4	for	for	ADP
easat-11367	161	5	the	the	DET
easat-11367	161	6	simultaneous	simultaneous	ADJ
easat-11367	161	7	estimation	estimation	NOUN
easat-11367	161	8	of	of	ADP
easat-11367	161	9	both	both	DET
easat-11367	161	10	shortand	shortand	NOUN
easat-11367	161	11	long	long	ADJ
easat-11367	161	12	-	-	PUNCT
easat-11367	161	13	term	term	NOUN
easat-11367	161	14	effects	effect	NOUN
easat-11367	161	15	and	and	CCONJ
easat-11367	161	16	are	be	AUX
easat-11367	161	17	primarily	primarily	ADV
easat-11367	161	18	based	base	VERB
easat-11367	161	19	on	on	ADP
easat-11367	161	20	autoregressive	autoregressive	ADJ
easat-11367	161	21	models	model	NOUN
easat-11367	161	22	,	,	PUNCT
easat-11367	161	23	taking	take	VERB
easat-11367	161	24	into	into	ADP
easat-11367	161	25	account	account	NOUN
easat-11367	161	26	the	the	DET
easat-11367	161	27	lag	lag	NOUN
easat-11367	161	28	of	of	ADP
easat-11367	161	29	the	the	DET
easat-11367	161	30	dependent	dependent	ADJ
easat-11367	161	31	variable	variable	NOUN
easat-11367	161	32	by	by	ADP
easat-11367	161	33	including	include	VERB
easat-11367	161	34	it	it	PRON
easat-11367	161	35	in	in	ADP
easat-11367	161	36	the	the	DET
easat-11367	161	37	model	model	NOUN
easat-11367	161	38	as	as	ADP
easat-11367	161	39	an	an	DET
easat-11367	161	40	independent	independent	ADJ
easat-11367	161	41	variable	variable	NOUN
easat-11367	161	42	[	[	X
easat-11367	161	43	53	53	NUM
easat-11367	161	44	]	]	PUNCT
easat-11367	161	45	.	.	PUNCT
easat-11367	162	1	in	in	ADP
easat-11367	162	2	the	the	DET
easat-11367	162	3	current	current	ADJ
easat-11367	162	4	study	study	NOUN
easat-11367	162	5	,	,	PUNCT
easat-11367	162	6	the	the	DET
easat-11367	162	7	application	application	NOUN
easat-11367	162	8	of	of	ADP
easat-11367	162	9	the	the	DET
easat-11367	162	10	hsiao	hsiao	PROPN
easat-11367	162	11	[	[	X
easat-11367	162	12	54	54	NUM
easat-11367	162	13	]	]	PUNCT
easat-11367	162	14	test	test	NOUN
easat-11367	162	15	,	,	PUNCT
easat-11367	162	16	along	along	ADP
easat-11367	162	17	with	with	ADP
easat-11367	162	18	unit	unit	NOUN
easat-11367	162	19	root	root	NOUN
easat-11367	162	20	tests	test	NOUN
easat-11367	162	21	represented	represent	VERB
easat-11367	162	22	by	by	ADP
easat-11367	162	23	pesaran	pesaran	NOUN
easat-11367	163	1	[	[	X
easat-11367	163	2	55	55	NUM
easat-11367	163	3	]	]	PUNCT
easat-11367	163	4	and	and	CCONJ
easat-11367	163	5	pesaran	pesaran	VERB
easat-11367	164	1	[	[	X
easat-11367	164	2	56	56	NUM
easat-11367	164	3	]	]	X
easat-11367	164	4	tests	test	NOUN
easat-11367	164	5	(	(	PUNCT
easat-11367	164	6	cips	cip	NOUN
easat-11367	164	7	cadf	cadf	PROPN
easat-11367	164	8	)	)	PUNCT
easat-11367	164	9	,	,	PUNCT
easat-11367	164	10	breitung	breitung	NOUN
easat-11367	164	11	test	test	NOUN
easat-11367	164	12	,	,	PUNCT
easat-11367	164	13	and	and	CCONJ
easat-11367	164	14	hadri	hadri	ADJ
easat-11367	164	15	test	test	NOUN
easat-11367	164	16	,	,	PUNCT
easat-11367	164	17	as	as	ADV
easat-11367	164	18	well	well	ADV
easat-11367	164	19	as	as	ADP
easat-11367	164	20	cointegration	cointegration	NOUN
easat-11367	164	21	tests	test	NOUN
easat-11367	164	22	such	such	ADJ
easat-11367	164	23	as	as	ADP
easat-11367	164	24	the	the	DET
easat-11367	164	25	kao	kao	PROPN
easat-11367	164	26	and	and	CCONJ
easat-11367	164	27	pedroni	pedroni	NOUN
easat-11367	164	28	tests	test	NOUN
easat-11367	164	29	,	,	PUNCT
easat-11367	164	30	revealed	reveal	VERB
easat-11367	164	31	that	that	SCONJ
easat-11367	164	32	the	the	DET
easat-11367	164	33	data	data	NOUN
easat-11367	164	34	exhibit	exhibit	VERB
easat-11367	164	35	both	both	CCONJ
easat-11367	164	36	total	total	ADJ
easat-11367	164	37	and	and	CCONJ
easat-11367	164	38	partial	partial	ADJ
easat-11367	164	39	variance	variance	NOUN
easat-11367	164	40	among	among	ADP
easat-11367	164	41	parameters	parameter	NOUN
easat-11367	164	42	and	and	CCONJ
easat-11367	164	43	constants	constant	NOUN
easat-11367	164	44	.	.	PUNCT
easat-11367	165	1	the	the	DET
easat-11367	165	2	data	datum	NOUN
easat-11367	165	3	related	relate	VERB
easat-11367	165	4	to	to	ADP
easat-11367	165	5	the	the	DET
easat-11367	165	6	roa	roa	PROPN
easat-11367	165	7	ratio	ratio	NOUN
easat-11367	165	8	(	(	PUNCT
easat-11367	165	9	net	net	ADJ
easat-11367	165	10	profit	profit	NOUN
easat-11367	165	11	to	to	ADP
easat-11367	165	12	total	total	ADJ
easat-11367	165	13	assets	asset	NOUN
easat-11367	165	14	)	)	PUNCT
easat-11367	165	15	and	and	CCONJ
easat-11367	165	16	the	the	DET
easat-11367	165	17	cr	cr	PROPN
easat-11367	165	18	ratio	ratio	PROPN
easat-11367	165	19	pdl	pdl	PROPN
easat-11367	165	20	/	/	SYM
easat-11367	165	21	tl	tl	PROPN
easat-11367	165	22	were	be	AUX
easat-11367	165	23	found	find	VERB
easat-11367	165	24	to	to	PART
easat-11367	165	25	be	be	AUX
easat-11367	165	26	non	non	ADJ
easat-11367	165	27	-	-	ADJ
easat-11367	165	28	stationary	stationary	ADJ
easat-11367	165	29	at	at	ADP
easat-11367	165	30	the	the	DET
easat-11367	165	31	level	level	NOUN
easat-11367	165	32	,	,	PUNCT
easat-11367	165	33	indicating	indicate	VERB
easat-11367	165	34	that	that	SCONJ
easat-11367	165	35	these	these	DET
easat-11367	165	36	variables	variable	NOUN
easat-11367	165	37	are	be	AUX
easat-11367	165	38	unstable	unstable	ADJ
easat-11367	165	39	at	at	ADP
easat-11367	165	40	the	the	DET
easat-11367	165	41	level	level	NOUN
easat-11367	165	42	but	but	CCONJ
easat-11367	165	43	become	become	VERB
easat-11367	165	44	stationary	stationary	ADJ
easat-11367	165	45	after	after	ADP
easat-11367	165	46	taking	take	VERB
easat-11367	165	47	the	the	DET
easat-11367	165	48	first	first	ADJ
easat-11367	165	49	differences	difference	NOUN
easat-11367	165	50	,	,	PUNCT
easat-11367	165	51	with	with	ADP
easat-11367	165	52	an	an	DET
easat-11367	165	53	integration	integration	NOUN
easat-11367	165	54	order	order	NOUN
easat-11367	165	55	of	of	ADP
easat-11367	165	56	i(1	i(1	PROPN
easat-11367	165	57	)	)	PUNCT
easat-11367	165	58	.	.	PUNCT
easat-11367	166	1	in	in	ADP
easat-11367	166	2	contrast	contrast	NOUN
easat-11367	166	3	,	,	PUNCT
easat-11367	166	4	the	the	DET
easat-11367	166	5	data	datum	NOUN
easat-11367	166	6	for	for	ADP
easat-11367	166	7	the	the	DET
easat-11367	166	8	cr	cr	PROPN
easat-11367	166	9	ratio	ratio	PROPN
easat-11367	166	10	tl	tl	PROPN
easat-11367	166	11	/	/	SYM
easat-11367	166	12	td	td	PROPN
easat-11367	166	13	indicated	indicate	VERB
easat-11367	166	14	the	the	DET
easat-11367	166	15	absence	absence	NOUN
easat-11367	166	16	of	of	ADP
easat-11367	166	17	a	a	DET
easat-11367	166	18	unit	unit	NOUN
easat-11367	166	19	root	root	NOUN
easat-11367	166	20	at	at	ADP
easat-11367	166	21	this	this	DET
easat-11367	166	22	level	level	NOUN
easat-11367	166	23	.	.	PUNCT
easat-11367	167	1	additionally	additionally	ADV
easat-11367	167	2	,	,	PUNCT
easat-11367	167	3	the	the	DET
easat-11367	167	4	results	result	NOUN
easat-11367	167	5	indicate	indicate	VERB
easat-11367	167	6	that	that	SCONJ
easat-11367	167	7	all	all	DET
easat-11367	167	8	study	study	NOUN
easat-11367	167	9	variables	variable	NOUN
easat-11367	167	10	exhibit	exhibit	VERB
easat-11367	167	11	cointegration	cointegration	NOUN
easat-11367	167	12	.	.	PUNCT
easat-11367	168	1	based	base	VERB
easat-11367	168	2	on	on	ADP
easat-11367	168	3	these	these	DET
easat-11367	168	4	findings	finding	NOUN
easat-11367	168	5	,	,	PUNCT
easat-11367	168	6	the	the	DET
easat-11367	168	7	current	current	ADJ
easat-11367	168	8	study	study	NOUN
easat-11367	168	9	employed	employ	VERB
easat-11367	168	10	the	the	DET
easat-11367	168	11	random	random	ADJ
easat-11367	168	12	effects	effect	NOUN
easat-11367	168	13	model	model	NOUN
easat-11367	168	14	using	use	VERB
easat-11367	168	15	the	the	DET
easat-11367	168	16	panel	panel	NOUN
easat-11367	168	17	autoregressive	autoregressive	ADJ
easat-11367	168	18	distributed	distribute	VERB
easat-11367	168	19	lag	lag	NOUN
easat-11367	168	20	model	model	NOUN
easat-11367	168	21	(	(	PUNCT
easat-11367	168	22	panel	panel	NOUN
easat-11367	168	23	ardl	ardl	NOUN
easat-11367	168	24	)	)	PUNCT
easat-11367	168	25	to	to	PART
easat-11367	168	26	assess	assess	VERB
easat-11367	168	27	the	the	DET
easat-11367	168	28	relationship	relationship	NOUN
easat-11367	168	29	between	between	ADP
easat-11367	168	30	cr	cr	PROPN
easat-11367	168	31	and	and	CCONJ
easat-11367	168	32	roa	roa	PROPN
easat-11367	168	33	in	in	ADP
easat-11367	168	34	yemeni	yemeni	ADJ
easat-11367	168	35	banks	bank	NOUN
easat-11367	168	36	within	within	ADP
easat-11367	168	37	the	the	DET
easat-11367	168	38	study	study	NOUN
easat-11367	168	39	scope	scope	NOUN
easat-11367	168	40	.	.	PUNCT
easat-11367	169	1	5	5	X
easat-11367	169	2	.	.	X
easat-11367	169	3	results	result	NOUN
easat-11367	169	4	and	and	CCONJ
easat-11367	169	5	discussion	discussion	NOUN
easat-11367	169	6	to	to	PART
easat-11367	169	7	assess	assess	VERB
easat-11367	169	8	the	the	DET
easat-11367	169	9	relationship	relationship	NOUN
easat-11367	169	10	between	between	ADP
easat-11367	169	11	cr	cr	PROPN
easat-11367	169	12	and	and	CCONJ
easat-11367	169	13	roa	roa	PROPN
easat-11367	169	14	in	in	ADP
easat-11367	169	15	yemeni	yemeni	ADJ
easat-11367	169	16	banks	bank	NOUN
easat-11367	169	17	within	within	ADP
easat-11367	169	18	the	the	DET
easat-11367	169	19	scope	scope	NOUN
easat-11367	169	20	of	of	ADP
easat-11367	169	21	this	this	DET
easat-11367	169	22	study	study	NOUN
easat-11367	169	23	(	(	PUNCT
easat-11367	169	24	2004–2020	2004–2020	NUM
easat-11367	169	25	)	)	PUNCT
easat-11367	169	26	,	,	PUNCT
easat-11367	169	27	several	several	ADJ
easat-11367	169	28	panel	panel	NOUN
easat-11367	169	29	data	datum	NOUN
easat-11367	169	30	model	model	NOUN
easat-11367	169	31	tests	test	NOUN
easat-11367	169	32	were	be	AUX
easat-11367	169	33	conducted	conduct	VERB
easat-11367	169	34	as	as	SCONJ
easat-11367	169	35	presented	present	VERB
easat-11367	169	36	below	below	ADP
easat-11367	169	37	:	:	PUNCT
easat-11367	169	38	5.1	5.1	NUM
easat-11367	169	39	.	.	PUNCT
easat-11367	170	1	multicollinearity	multicollinearity	NOUN
easat-11367	170	2	test	test	NOUN
easat-11367	170	3	to	to	PART
easat-11367	170	4	confirm	confirm	VERB
easat-11367	170	5	that	that	SCONJ
easat-11367	170	6	the	the	DET
easat-11367	170	7	independent	independent	ADJ
easat-11367	170	8	variables	variable	NOUN
easat-11367	170	9	are	be	AUX
easat-11367	170	10	free	free	ADJ
easat-11367	170	11	from	from	ADP
easat-11367	170	12	multicollinearity	multicollinearity	NOUN
easat-11367	170	13	,	,	PUNCT
easat-11367	170	14	which	which	PRON
easat-11367	170	15	can	can	AUX
easat-11367	170	16	result	result	VERB
easat-11367	170	17	in	in	ADP
easat-11367	170	18	biased	biased	ADJ
easat-11367	170	19	and	and	CCONJ
easat-11367	170	20	misleading	misleading	ADJ
easat-11367	170	21	estimates	estimate	NOUN
easat-11367	170	22	,	,	PUNCT
easat-11367	170	23	the	the	DET
easat-11367	170	24	study	study	NOUN
easat-11367	170	25	applied	apply	VERB
easat-11367	170	26	correlation	correlation	NOUN
easat-11367	170	27	coefficient	coefficient	NOUN
easat-11367	170	28	tests	test	NOUN
easat-11367	170	29	conducted	conduct	VERB
easat-11367	170	30	using	use	VERB
easat-11367	170	31	the	the	DET
easat-11367	170	32	stata	stata	NOUN
easat-11367	170	33	software	software	NOUN
easat-11367	170	34	.	.	PUNCT
easat-11367	171	1	table	table	NOUN
easat-11367	171	2	1	1	NUM
easat-11367	171	3	explains	explain	VERB
easat-11367	171	4	the	the	DET
easat-11367	171	5	multicollinearity	multicollinearity	NOUN
easat-11367	171	6	test	test	NOUN
easat-11367	171	7	.	.	PUNCT
easat-11367	172	1	356	356	NUM
easat-11367	172	2	edelweiss	edelweiss	PROPN
easat-11367	172	3	applied	apply	VERB
easat-11367	172	4	science	science	NOUN
easat-11367	172	5	and	and	CCONJ
easat-11367	172	6	technology	technology	NOUN
easat-11367	172	7	issn	issn	PROPN
easat-11367	172	8	:	:	PUNCT
easat-11367	172	9	2576	2576	NUM
easat-11367	172	10	-	-	SYM
easat-11367	172	11	8484	8484	NUM
easat-11367	172	12	vol	vol	NOUN
easat-11367	172	13	.	.	PROPN
easat-11367	173	1	9	9	NUM
easat-11367	173	2	,	,	PUNCT
easat-11367	173	3	no	no	INTJ
easat-11367	173	4	.	.	NOUN
easat-11367	173	5	12	12	NUM
easat-11367	173	6	:	:	PUNCT
easat-11367	173	7	351	351	NUM
easat-11367	173	8	-	-	SYM
easat-11367	173	9	363	363	NUM
easat-11367	173	10	,	,	PUNCT
easat-11367	173	11	2025	2025	NUM
easat-11367	173	12	doi	doi	NOUN
easat-11367	173	13	:	:	PUNCT
easat-11367	173	14	10.55214/2576	10.55214/2576	NUM
easat-11367	173	15	-	-	SYM
easat-11367	173	16	8484.v9i12.11367	8484.v9i12.11367	NUM
easat-11367	174	1	©	©	PROPN
easat-11367	174	2	2025	2025	NUM
easat-11367	174	3	by	by	ADP
easat-11367	174	4	the	the	DET
easat-11367	174	5	authors	author	NOUN
easat-11367	174	6	;	;	PUNCT
easat-11367	174	7	licensee	licensee	PROPN
easat-11367	174	8	learning	learn	VERB
easat-11367	174	9	gate	gate	NOUN
easat-11367	174	10	table	table	NOUN
easat-11367	174	11	1	1	NUM
easat-11367	174	12	.	.	PUNCT
easat-11367	174	13	exhibits	exhibit	VERB
easat-11367	174	14	the	the	DET
easat-11367	174	15	results	result	NOUN
easat-11367	174	16	of	of	ADP
easat-11367	174	17	the	the	DET
easat-11367	174	18	multicollinearity	multicollinearity	NOUN
easat-11367	174	19	test	test	NOUN
easat-11367	174	20	.	.	PUNCT
easat-11367	175	1	tl	tl	PROPN
easat-11367	175	2	/	/	SYM
easat-11367	175	3	td	td	PROPN
easat-11367	175	4	pdl	pdl	PROPN
easat-11367	175	5	/	/	SYM
easat-11367	175	6	tl	tl	PROPN
easat-11367	175	7	variable	variable	NOUN
easat-11367	175	8	1.0000	1.0000	NUM
easat-11367	175	9	pdl	pdl	NOUN
easat-11367	175	10	/	/	SYM
easat-11367	175	11	tl	tl	PROPN
easat-11367	175	12	1.0000	1.0000	NUM
easat-11367	175	13	-0.3708	-0.3708	NOUN
easat-11367	175	14	tl	tl	PROPN
easat-11367	175	15	/	/	SYM
easat-11367	175	16	td	td	VERB
easat-11367	175	17	the	the	DET
easat-11367	175	18	correlation	correlation	NOUN
easat-11367	175	19	matrix	matrix	NOUN
easat-11367	175	20	in	in	ADP
easat-11367	175	21	table	table	NOUN
easat-11367	175	22	1	1	NUM
easat-11367	175	23	indicates	indicate	VERB
easat-11367	175	24	that	that	SCONJ
easat-11367	175	25	there	there	PRON
easat-11367	175	26	is	be	VERB
easat-11367	175	27	no	no	DET
easat-11367	175	28	strong	strong	ADJ
easat-11367	175	29	correlation	correlation	NOUN
easat-11367	175	30	among	among	ADP
easat-11367	175	31	the	the	DET
easat-11367	175	32	study	study	NOUN
easat-11367	175	33	's	's	PART
easat-11367	175	34	independent	independent	ADJ
easat-11367	175	35	variables	variable	NOUN
easat-11367	175	36	,	,	PUNCT
easat-11367	175	37	with	with	ADP
easat-11367	175	38	a	a	DET
easat-11367	175	39	correlation	correlation	NOUN
easat-11367	175	40	coefficient	coefficient	NOUN
easat-11367	175	41	of	of	ADP
easat-11367	175	42	-0.3708	-0.3708	NOUN
easat-11367	175	43	,	,	PUNCT
easat-11367	175	44	which	which	PRON
easat-11367	175	45	suggests	suggest	VERB
easat-11367	175	46	the	the	DET
easat-11367	175	47	absence	absence	NOUN
easat-11367	175	48	of	of	ADP
easat-11367	175	49	multicollinearity	multicollinearity	NOUN
easat-11367	175	50	among	among	ADP
easat-11367	175	51	the	the	DET
easat-11367	175	52	independent	independent	ADJ
easat-11367	175	53	variables	variable	NOUN
easat-11367	175	54	and	and	CCONJ
easat-11367	175	55	that	that	SCONJ
easat-11367	175	56	they	they	PRON
easat-11367	175	57	do	do	AUX
easat-11367	175	58	not	not	PART
easat-11367	175	59	lead	lead	VERB
easat-11367	175	60	to	to	ADP
easat-11367	175	61	biased	biased	ADJ
easat-11367	175	62	estimates	estimate	NOUN
easat-11367	175	63	.	.	PUNCT
easat-11367	176	1	5.2	5.2	NUM
easat-11367	176	2	.	.	PUNCT
easat-11367	176	3	homogeneity	homogeneity	NOUN
easat-11367	176	4	test	test	NOUN
easat-11367	176	5	to	to	PART
easat-11367	176	6	determine	determine	VERB
easat-11367	176	7	whether	whether	SCONJ
easat-11367	176	8	the	the	DET
easat-11367	176	9	study	study	NOUN
easat-11367	176	10	's	's	PART
easat-11367	176	11	data	datum	NOUN
easat-11367	176	12	aligned	align	VERB
easat-11367	176	13	with	with	ADP
easat-11367	176	14	fixed	fix	VERB
easat-11367	176	15	effects	effect	NOUN
easat-11367	176	16	or	or	CCONJ
easat-11367	176	17	random	random	ADJ
easat-11367	176	18	effects	effect	NOUN
easat-11367	176	19	models	model	NOUN
easat-11367	176	20	,	,	PUNCT
easat-11367	176	21	hsiao	hsiao	PROPN
easat-11367	176	22	[	[	X
easat-11367	176	23	54	54	NUM
easat-11367	176	24	]	]	PUNCT
easat-11367	176	25	was	be	AUX
easat-11367	176	26	used	use	VERB
easat-11367	176	27	to	to	PART
easat-11367	176	28	assess	assess	VERB
easat-11367	176	29	the	the	DET
easat-11367	176	30	overall	overall	ADJ
easat-11367	176	31	homogeneity	homogeneity	NOUN
easat-11367	176	32	of	of	ADP
easat-11367	176	33	the	the	DET
easat-11367	176	34	data	datum	NOUN
easat-11367	176	35	and	and	CCONJ
easat-11367	176	36	the	the	DET
easat-11367	176	37	partial	partial	ADJ
easat-11367	176	38	homogeneity	homogeneity	NOUN
easat-11367	176	39	of	of	ADP
easat-11367	176	40	coefficients	coefficient	NOUN
easat-11367	176	41	and	and	CCONJ
easat-11367	176	42	constants	constant	NOUN
easat-11367	176	43	.	.	PUNCT
easat-11367	177	1	this	this	DET
easat-11367	177	2	approach	approach	NOUN
easat-11367	177	3	aids	aid	VERB
easat-11367	177	4	in	in	ADP
easat-11367	177	5	selecting	select	VERB
easat-11367	177	6	appropriate	appropriate	ADJ
easat-11367	177	7	panel	panel	NOUN
easat-11367	177	8	data	data	NOUN
easat-11367	177	9	models	model	NOUN
easat-11367	177	10	(	(	PUNCT
easat-11367	177	11	fixed	fix	VERB
easat-11367	177	12	or	or	CCONJ
easat-11367	177	13	random	random	ADJ
easat-11367	177	14	effects	effect	NOUN
easat-11367	177	15	)	)	PUNCT
easat-11367	177	16	that	that	PRON
easat-11367	177	17	best	well	ADV
easat-11367	177	18	fit	fit	VERB
easat-11367	177	19	the	the	DET
easat-11367	177	20	study	study	NOUN
easat-11367	177	21	data	datum	NOUN
easat-11367	177	22	,	,	PUNCT
easat-11367	177	23	thereby	thereby	ADV
easat-11367	177	24	enhancing	enhance	VERB
easat-11367	177	25	its	its	PRON
easat-11367	177	26	quality	quality	NOUN
easat-11367	177	27	and	and	CCONJ
easat-11367	177	28	reliability	reliability	NOUN
easat-11367	177	29	[	[	X
easat-11367	177	30	57	57	NUM
easat-11367	177	31	]	]	PUNCT
easat-11367	177	32	.	.	PUNCT
easat-11367	178	1	table	table	NOUN
easat-11367	178	2	2	2	NUM
easat-11367	178	3	presents	present	VERB
easat-11367	178	4	the	the	DET
easat-11367	178	5	results	result	NOUN
easat-11367	178	6	of	of	ADP
easat-11367	178	7	the	the	DET
easat-11367	178	8	homogeneity	homogeneity	NOUN
easat-11367	178	9	test	test	NOUN
easat-11367	178	10	for	for	ADP
easat-11367	178	11	the	the	DET
easat-11367	178	12	panel	panel	NOUN
easat-11367	178	13	data	datum	NOUN
easat-11367	178	14	using	use	VERB
easat-11367	178	15	hsiao	hsiao	PROPN
easat-11367	178	16	's	's	PART
easat-11367	178	17	[	[	X
easat-11367	178	18	54	54	NUM
easat-11367	178	19	]	]	PUNCT
easat-11367	178	20	test	test	NOUN
easat-11367	178	21	.	.	PUNCT
easat-11367	179	1	table	table	NOUN
easat-11367	179	2	2	2	NUM
easat-11367	179	3	.	.	PUNCT
easat-11367	179	4	results	result	NOUN
easat-11367	179	5	of	of	ADP
easat-11367	179	6	the	the	DET
easat-11367	179	7	homogeneity	homogeneity	NOUN
easat-11367	179	8	test	test	NOUN
easat-11367	179	9	for	for	ADP
easat-11367	179	10	panel	panel	NOUN
easat-11367	179	11	data	datum	NOUN
easat-11367	179	12	using	use	VERB
easat-11367	179	13	the	the	DET
easat-11367	179	14	hsiao	hsiao	PROPN
easat-11367	179	15	test	test	NOUN
easat-11367	179	16	.	.	PUNCT
easat-11367	180	1	decision	decision	NOUN
easat-11367	180	2	p	p	NOUN
easat-11367	180	3	-	-	PUNCT
easat-11367	180	4	value	value	NOUN
easat-11367	180	5	f	f	NOUN
easat-11367	180	6	–	–	PUNCT
easat-11367	180	7	test	test	NOUN
easat-11367	180	8	test	test	NOUN
easat-11367	180	9	𝐻𝑜	𝐻𝑜	NOUN
easat-11367	180	10	1	1	NUM
easat-11367	180	11	∶	∶	NOUN
easat-11367	180	12	reject	reject	VERB
easat-11367	180	13	0.000	0.000	NUM
easat-11367	180	14	4.380501	4.380501	NUM
easat-11367	180	15	f1	f1	NOUN
easat-11367	180	16	(	(	PUNCT
easat-11367	180	17	total	total	ADJ
easat-11367	180	18	homogeneity	homogeneity	NOUN
easat-11367	180	19	)	)	PUNCT
easat-11367	180	20	𝐻𝑜	𝐻𝑜	NOUN
easat-11367	180	21	2	2	NUM
easat-11367	180	22	∶	∶	NOUN
easat-11367	180	23	reject	reject	VERB
easat-11367	180	24	0.027	0.027	NUM
easat-11367	180	25	2.170986	2.170986	NUM
easat-11367	180	26	f2	f2	PROPN
easat-11367	180	27	(	(	PUNCT
easat-11367	180	28	partial	partial	ADJ
easat-11367	180	29	homogeneity	homogeneity	NOUN
easat-11367	180	30	)	)	PUNCT
easat-11367	180	31	𝐻𝑜	𝐻𝑜	NOUN
easat-11367	180	32	3	3	NUM
easat-11367	180	33	∶	∶	NOUN
easat-11367	180	34	reject	reject	VERB
easat-11367	180	35	0.000	0.000	NUM
easat-11367	180	36	7.824775	7.824775	NUM
easat-11367	180	37	f3	f3	NOUN
easat-11367	180	38	(	(	PUNCT
easat-11367	180	39	total	total	ADJ
easat-11367	180	40	heterogeneity	heterogeneity	NOUN
easat-11367	180	41	)	)	PUNCT
easat-11367	180	42	as	as	SCONJ
easat-11367	180	43	shown	show	VERB
easat-11367	180	44	in	in	ADP
easat-11367	180	45	table	table	NOUN
easat-11367	180	46	2	2	NUM
easat-11367	180	47	,	,	PUNCT
easat-11367	180	48	the	the	DET
easat-11367	180	49	fisher	fisher	PROPN
easat-11367	180	50	test	test	NOUN
easat-11367	180	51	value	value	NOUN
easat-11367	180	52	for	for	ADP
easat-11367	180	53	overall	overall	ADJ
easat-11367	180	54	homogeneity	homogeneity	NOUN
easat-11367	180	55	is	be	AUX
easat-11367	180	56	4.380501	4.380501	NUM
easat-11367	180	57	at	at	ADP
easat-11367	180	58	a	a	DET
easat-11367	180	59	significance	significance	NOUN
easat-11367	180	60	level	level	NOUN
easat-11367	180	61	below	below	ADP
easat-11367	180	62	0.05	0.05	NUM
easat-11367	180	63	,	,	PUNCT
easat-11367	180	64	indicating	indicate	VERB
easat-11367	180	65	the	the	DET
easat-11367	180	66	rejection	rejection	NOUN
easat-11367	180	67	of	of	ADP
easat-11367	180	68	the	the	DET
easat-11367	180	69	null	null	ADJ
easat-11367	180	70	hypothesis	hypothesis	NOUN
easat-11367	180	71	of	of	ADP
easat-11367	180	72	overall	overall	ADJ
easat-11367	180	73	homogeneity	homogeneity	NOUN
easat-11367	180	74	,	,	PUNCT
easat-11367	180	75	which	which	PRON
easat-11367	180	76	posits	posit	VERB
easat-11367	180	77	that	that	SCONJ
easat-11367	180	78	there	there	PRON
easat-11367	180	79	is	be	VERB
easat-11367	180	80	overall	overall	ADJ
easat-11367	180	81	homogeneity	homogeneity	NOUN
easat-11367	180	82	among	among	ADP
easat-11367	180	83	the	the	DET
easat-11367	180	84	banks	bank	NOUN
easat-11367	180	85	under	under	ADP
easat-11367	180	86	study	study	NOUN
easat-11367	180	87	,	,	PUNCT
easat-11367	180	88	and	and	CCONJ
easat-11367	180	89	the	the	DET
easat-11367	180	90	acceptance	acceptance	NOUN
easat-11367	180	91	of	of	ADP
easat-11367	180	92	the	the	DET
easat-11367	180	93	alternative	alternative	ADJ
easat-11367	180	94	hypothesis	hypothesis	NOUN
easat-11367	180	95	,	,	PUNCT
easat-11367	180	96	which	which	PRON
easat-11367	180	97	states	state	VERB
easat-11367	180	98	that	that	SCONJ
easat-11367	180	99	there	there	PRON
easat-11367	180	100	is	be	VERB
easat-11367	180	101	no	no	DET
easat-11367	180	102	overall	overall	ADJ
easat-11367	180	103	homogeneity	homogeneity	NOUN
easat-11367	180	104	.	.	PUNCT
easat-11367	181	1	consequently	consequently	ADV
easat-11367	181	2	,	,	PUNCT
easat-11367	181	3	we	we	PRON
easat-11367	181	4	proceed	proceed	VERB
easat-11367	181	5	to	to	ADP
easat-11367	181	6	the	the	DET
easat-11367	181	7	second	second	ADJ
easat-11367	181	8	step	step	NOUN
easat-11367	181	9	of	of	ADP
easat-11367	181	10	the	the	DET
easat-11367	181	11	hsiao	hsiao	PROPN
easat-11367	181	12	test	test	NOUN
easat-11367	181	13	to	to	PART
easat-11367	181	14	determine	determine	VERB
easat-11367	181	15	whether	whether	SCONJ
easat-11367	181	16	the	the	DET
easat-11367	181	17	source	source	NOUN
easat-11367	181	18	of	of	ADP
easat-11367	181	19	overall	overall	ADJ
easat-11367	181	20	heterogeneity	heterogeneity	NOUN
easat-11367	181	21	in	in	ADP
easat-11367	181	22	the	the	DET
easat-11367	181	23	data	data	NOUN
easat-11367	181	24	stems	stem	VERB
easat-11367	181	25	from	from	ADP
easat-11367	181	26	intercepts	intercept	NOUN
easat-11367	181	27	(	(	PUNCT
easat-11367	181	28	αi	αi	NOUN
easat-11367	181	29	)	)	PUNCT
easat-11367	181	30	,	,	PUNCT
easat-11367	181	31	coefficients	coefficient	NOUN
easat-11367	181	32	(	(	PUNCT
easat-11367	181	33	βi	βi	NOUN
easat-11367	181	34	)	)	PUNCT
easat-11367	181	35	,	,	PUNCT
easat-11367	181	36	or	or	CCONJ
easat-11367	181	37	both	both	PRON
easat-11367	181	38	.	.	PUNCT
easat-11367	182	1	based	base	VERB
easat-11367	182	2	on	on	ADP
easat-11367	182	3	the	the	DET
easat-11367	182	4	p	p	NOUN
easat-11367	182	5	-	-	PUNCT
easat-11367	182	6	value	value	NOUN
easat-11367	182	7	for	for	ADP
easat-11367	182	8	the	the	DET
easat-11367	182	9	homogeneity	homogeneity	NOUN
easat-11367	182	10	test	test	NOUN
easat-11367	182	11	of	of	ADP
easat-11367	182	12	coefficients	coefficient	NOUN
easat-11367	182	13	and	and	CCONJ
easat-11367	182	14	intercepts	intercept	NOUN
easat-11367	182	15	,	,	PUNCT
easat-11367	182	16	the	the	DET
easat-11367	182	17	null	null	ADJ
easat-11367	182	18	hypothesis	hypothesis	NOUN
easat-11367	182	19	,	,	PUNCT
easat-11367	182	20	which	which	PRON
easat-11367	182	21	posits	posit	VERB
easat-11367	182	22	the	the	DET
easat-11367	182	23	homogeneity	homogeneity	NOUN
easat-11367	182	24	of	of	ADP
easat-11367	182	25	coefficients	coefficient	NOUN
easat-11367	182	26	or	or	CCONJ
easat-11367	182	27	intercepts	intercept	NOUN
easat-11367	182	28	,	,	PUNCT
easat-11367	182	29	is	be	AUX
easat-11367	182	30	rejected	reject	VERB
easat-11367	182	31	at	at	ADP
easat-11367	182	32	a	a	DET
easat-11367	182	33	significance	significance	NOUN
easat-11367	182	34	level	level	NOUN
easat-11367	182	35	below	below	ADP
easat-11367	182	36	0.05	0.05	NUM
easat-11367	182	37	.	.	PUNCT
easat-11367	183	1	therefore	therefore	ADV
easat-11367	183	2	,	,	PUNCT
easat-11367	183	3	there	there	PRON
easat-11367	183	4	are	be	VERB
easat-11367	183	5	individual	individual	ADJ
easat-11367	183	6	differences	difference	NOUN
easat-11367	183	7	among	among	ADP
easat-11367	183	8	the	the	DET
easat-11367	183	9	banks	bank	NOUN
easat-11367	183	10	under	under	ADP
easat-11367	183	11	study	study	NOUN
easat-11367	183	12	in	in	ADP
easat-11367	183	13	terms	term	NOUN
easat-11367	183	14	of	of	ADP
easat-11367	183	15	both	both	CCONJ
easat-11367	183	16	the	the	DET
easat-11367	183	17	coefficients	coefficient	NOUN
easat-11367	183	18	and	and	CCONJ
easat-11367	183	19	intercepts	intercept	NOUN
easat-11367	183	20	,	,	PUNCT
easat-11367	183	21	confirming	confirm	VERB
easat-11367	183	22	the	the	DET
easat-11367	183	23	results	result	NOUN
easat-11367	183	24	of	of	ADP
easat-11367	183	25	the	the	DET
easat-11367	183	26	overall	overall	ADJ
easat-11367	183	27	heterogeneity	heterogeneity	NOUN
easat-11367	183	28	test	test	NOUN
easat-11367	183	29	.	.	PUNCT
easat-11367	184	1	based	base	VERB
easat-11367	184	2	on	on	ADP
easat-11367	184	3	these	these	DET
easat-11367	184	4	findings	finding	NOUN
easat-11367	184	5	,	,	PUNCT
easat-11367	184	6	fixed	fix	VERB
easat-11367	184	7	-	-	PUNCT
easat-11367	184	8	effects	effect	NOUN
easat-11367	184	9	panel	panel	NOUN
easat-11367	184	10	data	data	NOUN
easat-11367	184	11	models	model	NOUN
easat-11367	184	12	are	be	AUX
easat-11367	184	13	unsuitable	unsuitable	ADJ
easat-11367	184	14	because	because	SCONJ
easat-11367	184	15	of	of	ADP
easat-11367	184	16	their	their	PRON
easat-11367	184	17	inconsistency	inconsistency	NOUN
easat-11367	184	18	with	with	ADP
easat-11367	184	19	data	datum	NOUN
easat-11367	184	20	exhibiting	exhibit	VERB
easat-11367	184	21	individual	individual	ADJ
easat-11367	184	22	differences	difference	NOUN
easat-11367	184	23	;	;	PUNCT
easat-11367	184	24	thus	thus	ADV
easat-11367	184	25	,	,	PUNCT
easat-11367	184	26	we	we	PRON
easat-11367	184	27	employ	employ	VERB
easat-11367	184	28	dynamic	dynamic	ADJ
easat-11367	184	29	panel	panel	NOUN
easat-11367	184	30	data	data	NOUN
easat-11367	184	31	models	model	NOUN
easat-11367	184	32	(	(	PUNCT
easat-11367	184	33	random	random	ADJ
easat-11367	184	34	effects	effect	NOUN
easat-11367	184	35	models	model	NOUN
easat-11367	184	36	)	)	PUNCT
easat-11367	184	37	.	.	PUNCT
easat-11367	185	1	5.3	5.3	NUM
easat-11367	185	2	.	.	PUNCT
easat-11367	185	3	unit	unit	NOUN
easat-11367	185	4	root	root	NOUN
easat-11367	185	5	tests	test	VERB
easat-11367	185	6	the	the	DET
easat-11367	185	7	phenomenon	phenomenon	NOUN
easat-11367	185	8	of	of	ADP
easat-11367	185	9	data	datum	NOUN
easat-11367	185	10	non	non	ADJ
easat-11367	185	11	-	-	NOUN
easat-11367	185	12	stationarity	stationarity	NOUN
easat-11367	185	13	refers	refer	VERB
easat-11367	185	14	to	to	ADP
easat-11367	185	15	changes	change	NOUN
easat-11367	185	16	in	in	ADP
easat-11367	185	17	the	the	DET
easat-11367	185	18	mean	mean	NOUN
easat-11367	185	19	and	and	CCONJ
easat-11367	185	20	variance	variance	NOUN
easat-11367	185	21	over	over	ADP
easat-11367	185	22	time	time	NOUN
easat-11367	185	23	,	,	PUNCT
easat-11367	185	24	and	and	CCONJ
easat-11367	185	25	regression	regression	NOUN
easat-11367	185	26	obtained	obtain	VERB
easat-11367	185	27	in	in	ADP
easat-11367	185	28	the	the	DET
easat-11367	185	29	absence	absence	NOUN
easat-11367	185	30	of	of	ADP
easat-11367	185	31	stationarity	stationarity	NOUN
easat-11367	185	32	is	be	AUX
easat-11367	185	33	considered	consider	VERB
easat-11367	185	34	spurious	spurious	ADJ
easat-11367	185	35	[	[	X
easat-11367	185	36	58	58	NUM
easat-11367	185	37	]	]	PUNCT
easat-11367	185	38	.	.	PUNCT
easat-11367	186	1	to	to	PART
easat-11367	186	2	assess	assess	VERB
easat-11367	186	3	the	the	DET
easat-11367	186	4	stability	stability	NOUN
easat-11367	186	5	of	of	ADP
easat-11367	186	6	the	the	DET
easat-11367	186	7	study	study	NOUN
easat-11367	186	8	sample	sample	NOUN
easat-11367	186	9	data	datum	NOUN
easat-11367	186	10	at	at	ADP
easat-11367	186	11	the	the	DET
easat-11367	186	12	level	level	NOUN
easat-11367	186	13	and	and	CCONJ
easat-11367	186	14	at	at	ADP
easat-11367	186	15	the	the	DET
easat-11367	186	16	first	first	ADJ
easat-11367	186	17	difference	difference	NOUN
easat-11367	186	18	,	,	PUNCT
easat-11367	186	19	the	the	DET
easat-11367	186	20	study	study	NOUN
easat-11367	186	21	employed	employ	VERB
easat-11367	186	22	first	first	ADJ
easat-11367	186	23	-	-	PUNCT
easat-11367	186	24	generation	generation	NOUN
easat-11367	186	25	unit	unit	NOUN
easat-11367	186	26	root	root	NOUN
easat-11367	186	27	tests	test	NOUN
easat-11367	186	28	,	,	PUNCT
easat-11367	186	29	represented	represent	VERB
easat-11367	186	30	by	by	ADP
easat-11367	186	31	the	the	DET
easat-11367	186	32	breitung	breitung	PROPN
easat-11367	186	33	test	test	NOUN
easat-11367	186	34	,	,	PUNCT
easat-11367	186	35	which	which	PRON
easat-11367	186	36	is	be	AUX
easat-11367	186	37	based	base	VERB
easat-11367	186	38	on	on	ADP
easat-11367	186	39	the	the	DET
easat-11367	186	40	null	null	ADJ
easat-11367	186	41	hypothesis	hypothesis	NOUN
easat-11367	186	42	of	of	ADP
easat-11367	186	43	the	the	DET
easat-11367	186	44	presence	presence	NOUN
easat-11367	186	45	of	of	ADP
easat-11367	186	46	an	an	DET
easat-11367	186	47	individual	individual	ADJ
easat-11367	186	48	unit	unit	NOUN
easat-11367	186	49	root	root	NOUN
easat-11367	186	50	in	in	ADP
easat-11367	186	51	the	the	DET
easat-11367	186	52	panel	panel	NOUN
easat-11367	186	53	data	datum	NOUN
easat-11367	186	54	,	,	PUNCT
easat-11367	186	55	and	and	CCONJ
easat-11367	186	56	the	the	DET
easat-11367	186	57	hadri	hadri	ADJ
easat-11367	186	58	test	test	NOUN
easat-11367	186	59	,	,	PUNCT
easat-11367	186	60	which	which	PRON
easat-11367	186	61	is	be	AUX
easat-11367	186	62	based	base	VERB
easat-11367	186	63	on	on	ADP
easat-11367	186	64	the	the	DET
easat-11367	186	65	null	null	ADJ
easat-11367	186	66	hypothesis	hypothesis	NOUN
easat-11367	186	67	opposite	opposite	ADJ
easat-11367	186	68	to	to	ADP
easat-11367	186	69	that	that	PRON
easat-11367	186	70	of	of	ADP
easat-11367	186	71	the	the	DET
easat-11367	186	72	unit	unit	NOUN
easat-11367	186	73	root	root	NOUN
easat-11367	186	74	tests	test	NOUN
easat-11367	186	75	,	,	PUNCT
easat-11367	186	76	stating	state	VERB
easat-11367	186	77	that	that	SCONJ
easat-11367	186	78	the	the	DET
easat-11367	186	79	panel	panel	NOUN
easat-11367	186	80	data	datum	NOUN
easat-11367	186	81	do	do	AUX
easat-11367	186	82	not	not	PART
easat-11367	186	83	contain	contain	VERB
easat-11367	186	84	a	a	DET
easat-11367	186	85	unit	unit	NOUN
easat-11367	186	86	root	root	NOUN
easat-11367	186	87	.	.	PUNCT
easat-11367	187	1	the	the	DET
easat-11367	187	2	study	study	NOUN
easat-11367	187	3	also	also	ADV
easat-11367	187	4	utilized	utilize	VERB
easat-11367	187	5	second	second	ADJ
easat-11367	187	6	-	-	PUNCT
easat-11367	187	7	generation	generation	NOUN
easat-11367	187	8	unit	unit	NOUN
easat-11367	187	9	root	root	NOUN
easat-11367	187	10	tests	test	NOUN
easat-11367	187	11	,	,	PUNCT
easat-11367	187	12	represented	represent	VERB
easat-11367	187	13	by	by	ADP
easat-11367	187	14	pesaran	pesaran	NOUN
easat-11367	188	1	[	[	X
easat-11367	188	2	55	55	NUM
easat-11367	188	3	]	]	PUNCT
easat-11367	188	4	and	and	CCONJ
easat-11367	188	5	pesaran	pesaran	VERB
easat-11367	189	1	[	[	X
easat-11367	189	2	56	56	NUM
easat-11367	189	3	]	]	PUNCT
easat-11367	189	4	tests	test	NOUN
easat-11367	189	5	of	of	ADP
easat-11367	189	6	the	the	DET
easat-11367	189	7	cips	cip	NOUN
easat-11367	189	8	-	-	PUNCT
easat-11367	189	9	cadf	cadf	NOUN
easat-11367	189	10	type	type	NOUN
easat-11367	189	11	,	,	PUNCT
easat-11367	189	12	which	which	PRON
easat-11367	189	13	are	be	AUX
easat-11367	189	14	based	base	VERB
easat-11367	189	15	on	on	ADP
easat-11367	189	16	testing	test	VERB
easat-11367	189	17	the	the	DET
easat-11367	189	18	null	null	ADJ
easat-11367	189	19	hypothesis	hypothesis	NOUN
easat-11367	189	20	that	that	SCONJ
easat-11367	189	21	there	there	PRON
easat-11367	189	22	is	be	VERB
easat-11367	189	23	a	a	DET
easat-11367	189	24	common	common	ADJ
easat-11367	189	25	unit	unit	NOUN
easat-11367	189	26	root	root	NOUN
easat-11367	189	27	in	in	ADP
easat-11367	189	28	the	the	DET
easat-11367	189	29	panel	panel	NOUN
easat-11367	189	30	data	datum	NOUN
easat-11367	189	31	against	against	ADP
easat-11367	189	32	the	the	DET
easat-11367	189	33	alternative	alternative	ADJ
easat-11367	189	34	hypothesis	hypothesis	NOUN
easat-11367	189	35	(	(	PUNCT
easat-11367	189	36	h1	h1	PROPN
easat-11367	189	37	)	)	PUNCT
easat-11367	189	38	that	that	SCONJ
easat-11367	189	39	at	at	ADV
easat-11367	189	40	least	least	ADV
easat-11367	189	41	one	one	NUM
easat-11367	189	42	variable	variable	NOUN
easat-11367	189	43	in	in	ADP
easat-11367	189	44	the	the	DET
easat-11367	189	45	panel	panel	NOUN
easat-11367	189	46	data	datum	NOUN
easat-11367	189	47	does	do	AUX
easat-11367	189	48	not	not	PART
easat-11367	189	49	contain	contain	VERB
easat-11367	189	50	a	a	DET
easat-11367	189	51	unit	unit	NOUN
easat-11367	189	52	root	root	NOUN
easat-11367	189	53	[	[	X
easat-11367	189	54	59	59	NUM
easat-11367	189	55	]	]	PUNCT
easat-11367	189	56	.	.	PUNCT
easat-11367	190	1	are	be	AUX
easat-11367	190	2	discussed	discuss	VERB
easat-11367	190	3	.	.	PUNCT
easat-11367	191	1	table	table	NOUN
easat-11367	191	2	3	3	NUM
easat-11367	191	3	illustrates	illustrate	VERB
easat-11367	191	4	the	the	DET
easat-11367	191	5	results	result	NOUN
easat-11367	191	6	of	of	ADP
easat-11367	191	7	the	the	DET
easat-11367	191	8	unit	unit	NOUN
easat-11367	191	9	root	root	NOUN
easat-11367	191	10	tests	test	NOUN
easat-11367	191	11	.	.	PUNCT
easat-11367	192	1	357	357	NUM
easat-11367	192	2	edelweiss	edelweiss	PROPN
easat-11367	192	3	applied	apply	VERB
easat-11367	192	4	science	science	NOUN
easat-11367	192	5	and	and	CCONJ
easat-11367	192	6	technology	technology	NOUN
easat-11367	192	7	issn	issn	PROPN
easat-11367	192	8	:	:	PUNCT
easat-11367	192	9	2576	2576	NUM
easat-11367	192	10	-	-	SYM
easat-11367	192	11	8484	8484	NUM
easat-11367	192	12	vol	vol	NOUN
easat-11367	192	13	.	.	PROPN
easat-11367	193	1	9	9	NUM
easat-11367	193	2	,	,	PUNCT
easat-11367	193	3	no	no	INTJ
easat-11367	193	4	.	.	NOUN
easat-11367	193	5	12	12	NUM
easat-11367	193	6	:	:	PUNCT
easat-11367	193	7	351	351	NUM
easat-11367	193	8	-	-	SYM
easat-11367	193	9	363	363	NUM
easat-11367	193	10	,	,	PUNCT
easat-11367	193	11	2025	2025	NUM
easat-11367	193	12	doi	doi	NOUN
easat-11367	193	13	:	:	PUNCT
easat-11367	193	14	10.55214/2576	10.55214/2576	NUM
easat-11367	193	15	-	-	SYM
easat-11367	193	16	8484.v9i12.11367	8484.v9i12.11367	NUM
easat-11367	194	1	©	©	PROPN
easat-11367	194	2	2025	2025	NUM
easat-11367	194	3	by	by	ADP
easat-11367	194	4	the	the	DET
easat-11367	194	5	authors	author	NOUN
easat-11367	194	6	;	;	PUNCT
easat-11367	194	7	licensee	licensee	PROPN
easat-11367	194	8	learning	learn	VERB
easat-11367	194	9	gate	gate	NOUN
easat-11367	194	10	table	table	NOUN
easat-11367	194	11	3	3	NUM
easat-11367	194	12	.	.	PUNCT
easat-11367	194	13	results	result	NOUN
easat-11367	194	14	of	of	ADP
easat-11367	194	15	unit	unit	NOUN
easat-11367	194	16	root	root	NOUN
easat-11367	194	17	tests	test	NOUN
easat-11367	194	18	.	.	PUNCT
easat-11367	195	1	second	second	ADJ
easat-11367	195	2	-	-	PUNCT
easat-11367	195	3	generation	generation	NOUN
easat-11367	195	4	unit	unit	NOUN
easat-11367	195	5	root	root	NOUN
easat-11367	195	6	tests	test	VERB
easat-11367	195	7	tl	tl	PROPN
easat-11367	195	8	/	/	SYM
easat-11367	195	9	td	td	PROPN
easat-11367	195	10	pdl	pdl	PROPN
easat-11367	195	11	/	/	SYM
easat-11367	195	12	tl	tl	PROPN
easat-11367	195	13	roa	roa	PROPN
easat-11367	195	14	test	test	NOUN
easat-11367	195	15	-4.028	-4.028	PUNCT
easat-11367	195	16	*	*	PUNCT
easat-11367	195	17	*	*	PUNCT
easat-11367	195	18	*	*	PUNCT
easat-11367	195	19	-2.882	-2.882	PUNCT
easat-11367	195	20	-2.969	-2.969	X
easat-11367	195	21	constant	constant	ADJ
easat-11367	195	22	&	&	CCONJ
easat-11367	195	23	trend	trend	NOUN
easat-11367	195	24	levels	level	NOUN
easat-11367	195	25	cips	cip	VERB
easat-11367	195	26	-5.587	-5.587	PUNCT
easat-11367	195	27	*	*	PUNCT
easat-11367	195	28	*	*	PUNCT
easat-11367	195	29	*	*	PUNCT
easat-11367	195	30	-4.228	-4.228	PROPN
easat-11367	195	31	*	*	PUNCT
easat-11367	195	32	*	*	PUNCT
easat-11367	195	33	*	*	PUNCT
easat-11367	195	34	-4.395	-4.395	PUNCT
easat-11367	195	35	*	*	PUNCT
easat-11367	195	36	*	*	PUNCT
easat-11367	195	37	*	*	PUNCT
easat-11367	195	38	constant	constant	ADJ
easat-11367	195	39	&	&	CCONJ
easat-11367	195	40	trend	trend	NOUN
easat-11367	195	41	1st	1st	ADJ
easat-11367	195	42	difference	difference	NOUN
easat-11367	195	43	-4.028	-4.028	PUNCT
easat-11367	195	44	*	*	PUNCT
easat-11367	195	45	*	*	PUNCT
easat-11367	195	46	*	*	PUNCT
easat-11367	195	47	-2.882	-2.882	X
easat-11367	195	48	-2.969	-2.969	SYM
easat-11367	195	49	*	*	X
easat-11367	195	50	constant	constant	ADJ
easat-11367	195	51	&	&	CCONJ
easat-11367	195	52	trend	trend	NOUN
easat-11367	195	53	levels	level	NOUN
easat-11367	195	54	cadf	cadf	VERB
easat-11367	195	55	-5.587	-5.587	NOUN
easat-11367	195	56	*	*	PUNCT
easat-11367	195	57	*	*	PUNCT
easat-11367	195	58	*	*	PUNCT
easat-11367	195	59	-4.228	-4.228	PROPN
easat-11367	195	60	*	*	PUNCT
easat-11367	195	61	*	*	PUNCT
easat-11367	195	62	*	*	PUNCT
easat-11367	195	63	-4.395	-4.395	PUNCT
easat-11367	195	64	*	*	PUNCT
easat-11367	195	65	*	*	PUNCT
easat-11367	195	66	*	*	PUNCT
easat-11367	195	67	constant	constant	ADJ
easat-11367	195	68	&	&	CCONJ
easat-11367	195	69	trend	trend	NOUN
easat-11367	195	70	1st	1st	ADJ
easat-11367	195	71	difference	difference	NOUN
easat-11367	195	72	first	first	ADJ
easat-11367	195	73	-	-	PUNCT
easat-11367	195	74	generation	generation	NOUN
easat-11367	195	75	unit	unit	NOUN
easat-11367	195	76	root	root	NOUN
easat-11367	195	77	tests	test	NOUN
easat-11367	195	78	-0.3652	-0.3652	VERB
easat-11367	195	79	*	*	PUNCT
easat-11367	195	80	*	*	PUNCT
easat-11367	195	81	2.0306	2.0306	NUM
easat-11367	195	82	-1.5302	-1.5302	NOUN
easat-11367	195	83	constant	constant	ADJ
easat-11367	195	84	&	&	CCONJ
easat-11367	195	85	trend	trend	NOUN
easat-11367	195	86	levels	level	NOUN
easat-11367	195	87	breitung	breitung	VERB
easat-11367	195	88	-3.9430	-3.9430	PROPN
easat-11367	195	89	*	*	PUNCT
easat-11367	195	90	*	*	PUNCT
easat-11367	195	91	*	*	PUNCT
easat-11367	195	92	-4.7060	-4.7060	NOUN
easat-11367	195	93	*	*	PUNCT
easat-11367	195	94	*	*	PUNCT
easat-11367	195	95	*	*	PUNCT
easat-11367	195	96	-3.8801	-3.8801	NOUN
easat-11367	195	97	*	*	PUNCT
easat-11367	195	98	*	*	PUNCT
easat-11367	195	99	*	*	PUNCT
easat-11367	195	100	constant	constant	ADJ
easat-11367	195	101	&	&	CCONJ
easat-11367	195	102	trend	trend	NOUN
easat-11367	195	103	1st	1st	ADJ
easat-11367	195	104	difference	difference	NOUN
easat-11367	195	105	10.4735	10.4735	NUM
easat-11367	195	106	*	*	NOUN
easat-11367	195	107	*	*	PUNCT
easat-11367	195	108	*	*	NOUN
easat-11367	195	109	12.1659	12.1659	NUM
easat-11367	195	110	*	*	PUNCT
easat-11367	195	111	*	*	PUNCT
easat-11367	195	112	*	*	PUNCT
easat-11367	196	1	2.3883	2.3883	NUM
easat-11367	196	2	*	*	PUNCT
easat-11367	196	3	*	*	PUNCT
easat-11367	196	4	*	*	PUNCT
easat-11367	196	5	constant	constant	ADJ
easat-11367	196	6	&	&	CCONJ
easat-11367	196	7	trend	trend	NOUN
easat-11367	196	8	levels	level	NOUN
easat-11367	196	9	hadri	hadri	PROPN
easat-11367	196	10	-1.4886	-1.4886	NOUN
easat-11367	196	11	-0.7906	-0.7906	PROPN
easat-11367	196	12	-0.4089	-0.4089	VERB
easat-11367	196	13	constant	constant	ADJ
easat-11367	196	14	&	&	CCONJ
easat-11367	196	15	trend	trend	PROPN
easat-11367	196	16	1st	1st	ADJ
easat-11367	196	17	difference	difference	NOUN
easat-11367	196	18	note	note	NOUN
easat-11367	196	19	:	:	PUNCT
easat-11367	196	20	the	the	DET
easat-11367	196	21	signs	sign	NOUN
easat-11367	196	22	)	)	PUNCT
easat-11367	196	23	*	*	PUNCT
easat-11367	197	1	*	*	PUNCT
easat-11367	197	2	(	(	PUNCT
easat-11367	197	3	)	)	PUNCT
easat-11367	197	4	*	*	PUNCT
easat-11367	197	5	(	(	PUNCT
easat-11367	197	6	)	)	PUNCT
easat-11367	197	7	*	*	PUNCT
easat-11367	197	8	*	*	PUNCT
easat-11367	197	9	*	*	PUNCT
easat-11367	197	10	(	(	PUNCT
easat-11367	197	11	refer	refer	VERB
easat-11367	197	12	to	to	ADP
easat-11367	197	13	the	the	DET
easat-11367	197	14	significance	significance	NOUN
easat-11367	197	15	levels	level	NOUN
easat-11367	197	16	of	of	ADP
easat-11367	197	17	1	1	NUM
easat-11367	197	18	%	%	NOUN
easat-11367	197	19	,	,	PUNCT
easat-11367	197	20	5	5	NUM
easat-11367	197	21	%	%	NOUN
easat-11367	197	22	,	,	PUNCT
easat-11367	197	23	and	and	CCONJ
easat-11367	197	24	10	10	NUM
easat-11367	197	25	%	%	NOUN
easat-11367	197	26	,	,	PUNCT
easat-11367	197	27	respectively	respectively	ADV
easat-11367	197	28	.	.	PUNCT
easat-11367	198	1	according	accord	VERB
easat-11367	198	2	to	to	ADP
easat-11367	198	3	table	table	NOUN
easat-11367	198	4	3	3	NUM
easat-11367	198	5	,	,	PUNCT
easat-11367	198	6	the	the	DET
easat-11367	198	7	p	p	NOUN
easat-11367	198	8	-	-	PUNCT
easat-11367	198	9	values	value	NOUN
easat-11367	198	10	for	for	ADP
easat-11367	198	11	the	the	DET
easat-11367	198	12	data	datum	NOUN
easat-11367	198	13	on	on	ADP
easat-11367	198	14	roa	roa	PROPN
easat-11367	198	15	and	and	CCONJ
easat-11367	198	16	pdl	pdl	PROPN
easat-11367	198	17	/	/	SYM
easat-11367	198	18	tl	tl	PROPN
easat-11367	198	19	indicate	indicate	VERB
easat-11367	198	20	the	the	DET
easat-11367	198	21	presence	presence	NOUN
easat-11367	198	22	of	of	ADP
easat-11367	198	23	a	a	DET
easat-11367	198	24	unit	unit	NOUN
easat-11367	198	25	root	root	NOUN
easat-11367	198	26	at	at	ADP
easat-11367	198	27	the	the	DET
easat-11367	198	28	level	level	NOUN
easat-11367	198	29	and	and	CCONJ
easat-11367	198	30	the	the	DET
easat-11367	198	31	absence	absence	NOUN
easat-11367	198	32	of	of	ADP
easat-11367	198	33	a	a	DET
easat-11367	198	34	unit	unit	NOUN
easat-11367	198	35	root	root	NOUN
easat-11367	198	36	at	at	ADP
easat-11367	198	37	the	the	DET
easat-11367	198	38	first	first	ADJ
easat-11367	198	39	difference	difference	NOUN
easat-11367	198	40	,	,	PUNCT
easat-11367	198	41	with	with	ADP
easat-11367	198	42	p	p	NOUN
easat-11367	198	43	-	-	PUNCT
easat-11367	198	44	values	value	NOUN
easat-11367	198	45	of	of	ADP
easat-11367	198	46	0.01	0.01	NUM
easat-11367	198	47	and	and	CCONJ
easat-11367	198	48	0.05	0.05	NUM
easat-11367	198	49	based	base	VERB
easat-11367	198	50	on	on	ADP
easat-11367	198	51	the	the	DET
easat-11367	198	52	cadf	cadf	NOUN
easat-11367	198	53	,	,	PUNCT
easat-11367	198	54	cips	cip	NOUN
easat-11367	198	55	,	,	PUNCT
easat-11367	198	56	breitung	breitung	NOUN
easat-11367	198	57	,	,	PUNCT
easat-11367	198	58	and	and	CCONJ
easat-11367	198	59	hadri	hadri	ADJ
easat-11367	198	60	tests	test	NOUN
easat-11367	198	61	.	.	PUNCT
easat-11367	199	1	this	this	PRON
easat-11367	199	2	suggests	suggest	VERB
easat-11367	199	3	that	that	SCONJ
easat-11367	199	4	the	the	DET
easat-11367	199	5	data	datum	NOUN
easat-11367	199	6	for	for	ADP
easat-11367	199	7	these	these	DET
easat-11367	199	8	indicators	indicator	NOUN
easat-11367	199	9	are	be	AUX
easat-11367	199	10	nonstationary	nonstationary	ADJ
easat-11367	199	11	at	at	ADP
easat-11367	199	12	the	the	DET
easat-11367	199	13	level	level	NOUN
easat-11367	199	14	and	and	CCONJ
easat-11367	199	15	become	become	VERB
easat-11367	199	16	stationary	stationary	ADJ
easat-11367	199	17	after	after	ADP
easat-11367	199	18	taking	take	VERB
easat-11367	199	19	the	the	DET
easat-11367	199	20	first	first	ADJ
easat-11367	199	21	differences	difference	NOUN
easat-11367	199	22	,	,	PUNCT
easat-11367	199	23	with	with	ADP
easat-11367	199	24	integration	integration	NOUN
easat-11367	199	25	orders	order	NOUN
easat-11367	199	26	equal	equal	ADJ
easat-11367	199	27	to	to	ADP
easat-11367	199	28	1	1	NUM
easat-11367	199	29	.	.	PUNCT
easat-11367	200	1	additionally	additionally	ADV
easat-11367	200	2	,	,	PUNCT
easat-11367	200	3	the	the	DET
easat-11367	200	4	table	table	NOUN
easat-11367	200	5	shows	show	VERB
easat-11367	200	6	that	that	SCONJ
easat-11367	200	7	the	the	DET
easat-11367	200	8	p	p	NOUN
easat-11367	200	9	-	-	PUNCT
easat-11367	200	10	values	value	NOUN
easat-11367	200	11	for	for	ADP
easat-11367	200	12	the	the	DET
easat-11367	200	13	data	datum	NOUN
easat-11367	200	14	on	on	ADP
easat-11367	200	15	the	the	DET
easat-11367	200	16	ratio	ratio	NOUN
easat-11367	200	17	of	of	ADP
easat-11367	200	18	tl	tl	PROPN
easat-11367	200	19	/	/	SYM
easat-11367	200	20	td	td	PROPN
easat-11367	200	21	indicate	indicate	VERB
easat-11367	200	22	the	the	DET
easat-11367	200	23	absence	absence	NOUN
easat-11367	200	24	of	of	ADP
easat-11367	200	25	a	a	DET
easat-11367	200	26	unit	unit	NOUN
easat-11367	200	27	root	root	NOUN
easat-11367	200	28	at	at	ADP
easat-11367	200	29	the	the	DET
easat-11367	200	30	level	level	NOUN
easat-11367	200	31	,	,	PUNCT
easat-11367	200	32	with	with	ADP
easat-11367	200	33	p	p	NOUN
easat-11367	200	34	-	-	PUNCT
easat-11367	200	35	values	value	NOUN
easat-11367	200	36	of	of	ADP
easat-11367	200	37	0.01	0.01	NUM
easat-11367	200	38	and	and	CCONJ
easat-11367	200	39	0.05	0.05	NUM
easat-11367	200	40	based	base	VERB
easat-11367	200	41	on	on	ADP
easat-11367	200	42	the	the	DET
easat-11367	200	43	cadf	cadf	NOUN
easat-11367	200	44	,	,	PUNCT
easat-11367	200	45	cips	cip	NOUN
easat-11367	200	46	,	,	PUNCT
easat-11367	200	47	and	and	CCONJ
easat-11367	200	48	breitung	breitung	NOUN
easat-11367	200	49	tests	test	NOUN
easat-11367	200	50	.	.	PUNCT
easat-11367	201	1	this	this	PRON
easat-11367	201	2	implies	imply	VERB
easat-11367	201	3	that	that	SCONJ
easat-11367	201	4	the	the	DET
easat-11367	201	5	data	datum	NOUN
easat-11367	201	6	for	for	ADP
easat-11367	201	7	this	this	DET
easat-11367	201	8	indicator	indicator	NOUN
easat-11367	201	9	are	be	AUX
easat-11367	201	10	stationary	stationary	ADJ
easat-11367	201	11	at	at	ADP
easat-11367	201	12	this	this	DET
easat-11367	201	13	level	level	NOUN
easat-11367	201	14	.	.	PUNCT
easat-11367	202	1	5.4	5.4	NUM
easat-11367	202	2	.	.	PUNCT
easat-11367	203	1	panel	panel	NOUN
easat-11367	203	2	data	datum	NOUN
easat-11367	203	3	cointegration	cointegration	NOUN
easat-11367	203	4	tests	test	NOUN
easat-11367	203	5	to	to	PART
easat-11367	203	6	ensure	ensure	VERB
easat-11367	203	7	the	the	DET
easat-11367	203	8	existence	existence	NOUN
easat-11367	203	9	of	of	ADP
easat-11367	203	10	cointegration	cointegration	NOUN
easat-11367	203	11	relationships	relationship	NOUN
easat-11367	203	12	between	between	ADP
easat-11367	203	13	the	the	DET
easat-11367	203	14	panel	panel	NOUN
easat-11367	203	15	data	datum	NOUN
easat-11367	203	16	of	of	ADP
easat-11367	203	17	the	the	DET
easat-11367	203	18	study	study	NOUN
easat-11367	203	19	in	in	ADP
easat-11367	203	20	both	both	CCONJ
easat-11367	203	21	the	the	DET
easat-11367	203	22	long	long	ADJ
easat-11367	203	23	and	and	CCONJ
easat-11367	203	24	short	short	ADJ
easat-11367	203	25	terms	term	NOUN
easat-11367	203	26	,	,	PUNCT
easat-11367	203	27	the	the	DET
easat-11367	203	28	study	study	NOUN
easat-11367	203	29	employed	employ	VERB
easat-11367	203	30	the	the	DET
easat-11367	203	31	kao	kao	PROPN
easat-11367	203	32	test	test	NOUN
easat-11367	203	33	,	,	PUNCT
easat-11367	203	34	which	which	PRON
easat-11367	203	35	accounts	account	VERB
easat-11367	203	36	for	for	ADP
easat-11367	203	37	individual	individual	ADJ
easat-11367	203	38	fixed	fix	VERB
easat-11367	203	39	effects	effect	NOUN
easat-11367	203	40	specific	specific	ADJ
easat-11367	203	41	to	to	ADP
easat-11367	203	42	each	each	DET
easat-11367	203	43	cross	cross	ADJ
easat-11367	203	44	-	-	ADJ
easat-11367	203	45	sectional	sectional	ADJ
easat-11367	203	46	unit	unit	NOUN
easat-11367	203	47	,	,	PUNCT
easat-11367	203	48	and	and	CCONJ
easat-11367	203	49	the	the	DET
easat-11367	203	50	pedroni	pedroni	NOUN
easat-11367	203	51	test	test	NOUN
easat-11367	203	52	,	,	PUNCT
easat-11367	203	53	which	which	PRON
easat-11367	203	54	considers	consider	VERB
easat-11367	203	55	both	both	DET
easat-11367	203	56	homogeneity	homogeneity	NOUN
easat-11367	203	57	and	and	CCONJ
easat-11367	203	58	heterogeneity	heterogeneity	NOUN
easat-11367	203	59	among	among	ADP
easat-11367	203	60	the	the	DET
easat-11367	203	61	panel	panel	NOUN
easat-11367	203	62	data	datum	NOUN
easat-11367	203	63	.	.	PUNCT
easat-11367	204	1	table	table	NOUN
easat-11367	204	2	4	4	NUM
easat-11367	204	3	presents	present	VERB
easat-11367	204	4	the	the	DET
easat-11367	204	5	results	result	NOUN
easat-11367	204	6	of	of	ADP
easat-11367	204	7	the	the	DET
easat-11367	204	8	panel	panel	NOUN
easat-11367	204	9	data	datum	NOUN
easat-11367	204	10	cointegration	cointegration	NOUN
easat-11367	204	11	tests	test	NOUN
easat-11367	204	12	.	.	PUNCT
easat-11367	205	1	table	table	NOUN
easat-11367	205	2	4	4	NUM
easat-11367	205	3	.	.	PUNCT
easat-11367	206	1	results	result	NOUN
easat-11367	206	2	of	of	ADP
easat-11367	206	3	panel	panel	NOUN
easat-11367	206	4	data	datum	NOUN
easat-11367	206	5	cointegration	cointegration	NOUN
easat-11367	206	6	tests	test	NOUN
easat-11367	206	7	.	.	PUNCT
easat-11367	207	1	p	p	X
easat-11367	207	2	-	-	PUNCT
easat-11367	207	3	value	value	NOUN
easat-11367	207	4	statistic	statistic	NOUN
easat-11367	207	5	cointegration	cointegration	NOUN
easat-11367	207	6	test	test	NOUN
easat-11367	207	7	0.0000	0.0000	NUM
easat-11367	207	8	-4.9255	-4.9255	NUM
easat-11367	207	9	modified	modify	VERB
easat-11367	207	10	dickey	dickey	NOUN
easat-11367	207	11	–	–	PUNCT
easat-11367	207	12	fuller	full	ADJ
easat-11367	207	13	t	t	PROPN
easat-11367	207	14	kao	kao	PROPN
easat-11367	207	15	0.0003	0.0003	NUM
easat-11367	207	16	-3.4778	-3.4778	PROPN
easat-11367	207	17	dickey	dickey	PROPN
easat-11367	207	18	–	–	PUNCT
easat-11367	207	19	fuller	full	ADJ
easat-11367	207	20	t	t	NOUN
easat-11367	207	21	0.0217	0.0217	NUM
easat-11367	207	22	-2.0199	-2.0199	NOUN
easat-11367	207	23	augmented	augment	VERB
easat-11367	207	24	dickey	dickey	PROPN
easat-11367	207	25	–	–	PUNCT
easat-11367	207	26	fuller	full	ADJ
easat-11367	207	27	t	t	PROPN
easat-11367	207	28	0.0000	0.0000	NUM
easat-11367	207	29	-5.3188	-5.3188	NOUN
easat-11367	207	30	unadjusted	unadjuste	VERB
easat-11367	207	31	modified	modify	VERB
easat-11367	207	32	dickey	dickey	NOUN
easat-11367	207	33	–	–	PUNCT
easat-11367	207	34	fuller	full	ADJ
easat-11367	207	35	t	t	PROPN
easat-11367	207	36	0.0002	0.0002	NUM
easat-11367	207	37	-3.5646	-3.5646	NOUN
easat-11367	207	38	unadjusted	unadjuste	VERB
easat-11367	207	39	dickey	dickey	PROPN
easat-11367	207	40	–	–	PUNCT
easat-11367	207	41	fuller	full	ADJ
easat-11367	207	42	t	t	NOUN
easat-11367	207	43	within	within	ADP
easat-11367	207	44	the	the	DET
easat-11367	207	45	dimension	dimension	NOUN
easat-11367	207	46	pedroni	pedroni	NOUN
easat-11367	207	47	0.0857	0.0857	NUM
easat-11367	207	48	-1.3678	-1.3678	X
easat-11367	207	49	modified	modify	VERB
easat-11367	207	50	variance	variance	NOUN
easat-11367	207	51	ratio	ratio	NOUN
easat-11367	207	52	0.4845	0.4845	NUM
easat-11367	207	53	-0.0390	-0.0390	PROPN
easat-11367	207	54	modified	modify	VERB
easat-11367	207	55	phillips	phillip	NOUN
easat-11367	207	56	–	–	PUNCT
easat-11367	207	57	perron	perron	PROPN
easat-11367	207	58	t	t	PROPN
easat-11367	207	59	0.0037	0.0037	NUM
easat-11367	207	60	-2.6761	-2.6761	NOUN
easat-11367	207	61	phillips	phillip	NOUN
easat-11367	207	62	–	–	PUNCT
easat-11367	207	63	perron	perron	PROPN
easat-11367	207	64	t	t	PROPN
easat-11367	207	65	0.0070	0.0070	NUM
easat-11367	207	66	-2.4577	-2.4577	PROPN
easat-11367	207	67	augmented	augment	VERB
easat-11367	207	68	dickey	dickey	PROPN
easat-11367	207	69	–	–	PUNCT
easat-11367	207	70	fuller	full	ADJ
easat-11367	207	71	t	t	NOUN
easat-11367	207	72	between	between	ADP
easat-11367	207	73	the	the	DET
easat-11367	207	74	dimensions	dimension	NOUN
easat-11367	207	75	0.1676	0.1676	NUM
easat-11367	207	76	0.9635	0.9635	NUM
easat-11367	207	77	modified	modify	VERB
easat-11367	207	78	phillips	phillip	NOUN
easat-11367	207	79	–	–	PUNCT
easat-11367	207	80	perron	perron	PROPN
easat-11367	207	81	t	t	PROPN
easat-11367	207	82	0.0104	0.0104	PROPN
easat-11367	207	83	-2.3116	-2.3116	PROPN
easat-11367	207	84	phillips	phillips	PROPN
easat-11367	207	85	–	–	PUNCT
easat-11367	207	86	perron	perron	PROPN
easat-11367	207	87	t	t	PROPN
easat-11367	207	88	0.0214	0.0214	NUM
easat-11367	207	89	-2.0265	-2.0265	NOUN
easat-11367	207	90	augmented	augment	VERB
easat-11367	207	91	dickey	dickey	PROPN
easat-11367	207	92	–	–	PUNCT
easat-11367	207	93	fuller	full	ADJ
easat-11367	207	94	t	t	NOUN
easat-11367	207	95	according	accord	VERB
easat-11367	207	96	to	to	ADP
easat-11367	207	97	table	table	NOUN
easat-11367	207	98	4	4	NUM
easat-11367	207	99	,	,	PUNCT
easat-11367	207	100	the	the	DET
easat-11367	207	101	p	p	NOUN
easat-11367	207	102	-	-	PUNCT
easat-11367	207	103	values	value	NOUN
easat-11367	207	104	for	for	ADP
easat-11367	207	105	the	the	DET
easat-11367	207	106	majority	majority	NOUN
easat-11367	207	107	of	of	ADP
easat-11367	207	108	the	the	DET
easat-11367	207	109	cointegration	cointegration	NOUN
easat-11367	207	110	tests	test	NOUN
easat-11367	207	111	,	,	PUNCT
easat-11367	207	112	represented	represent	VERB
easat-11367	207	113	by	by	ADP
easat-11367	207	114	the	the	DET
easat-11367	207	115	kao	kao	PROPN
easat-11367	207	116	and	and	CCONJ
easat-11367	207	117	pedroni	pedroni	NOUN
easat-11367	207	118	tests	test	NOUN
easat-11367	207	119	,	,	PUNCT
easat-11367	207	120	indicate	indicate	VERB
easat-11367	207	121	the	the	DET
easat-11367	207	122	rejection	rejection	NOUN
easat-11367	207	123	of	of	ADP
easat-11367	207	124	the	the	DET
easat-11367	207	125	null	null	ADJ
easat-11367	207	126	hypothesis	hypothesis	NOUN
easat-11367	207	127	,	,	PUNCT
easat-11367	207	128	which	which	PRON
easat-11367	207	129	states	state	VERB
easat-11367	207	130	that	that	SCONJ
easat-11367	207	131	there	there	PRON
easat-11367	207	132	is	be	VERB
easat-11367	207	133	no	no	DET
easat-11367	207	134	cointegration	cointegration	NOUN
easat-11367	207	135	relationship	relationship	NOUN
easat-11367	207	136	among	among	ADP
easat-11367	207	137	the	the	DET
easat-11367	207	138	panel	panel	NOUN
easat-11367	207	139	data	datum	NOUN
easat-11367	207	140	at	at	ADP
easat-11367	207	141	a	a	DET
easat-11367	207	142	significance	significance	NOUN
easat-11367	207	143	level	level	NOUN
easat-11367	207	144	of	of	ADP
easat-11367	207	145	0.05	0.05	NUM
easat-11367	207	146	.	.	PUNCT
easat-11367	208	1	this	this	PRON
easat-11367	208	2	implies	imply	VERB
easat-11367	208	3	acceptance	acceptance	NOUN
easat-11367	208	4	of	of	ADP
easat-11367	208	5	the	the	DET
easat-11367	208	6	alternative	alternative	ADJ
easat-11367	208	7	hypothesis	hypothesis	NOUN
easat-11367	208	8	,	,	PUNCT
easat-11367	208	9	which	which	PRON
easat-11367	208	10	posits	posit	VERB
easat-11367	208	11	the	the	DET
easat-11367	208	12	existence	existence	NOUN
easat-11367	208	13	of	of	ADP
easat-11367	208	14	a	a	DET
easat-11367	208	15	cointegration	cointegration	NOUN
easat-11367	208	16	relationship	relationship	NOUN
easat-11367	208	17	between	between	ADP
easat-11367	208	18	roa	roa	PROPN
easat-11367	208	19	and	and	CCONJ
easat-11367	208	20	cr	cr	NOUN
easat-11367	208	21	indicators	indicator	NOUN
easat-11367	208	22	,	,	PUNCT
easat-11367	208	23	specifically	specifically	ADV
easat-11367	208	24	pdl	pdl	PROPN
easat-11367	208	25	/	/	SYM
easat-11367	208	26	tl	tl	PROPN
easat-11367	208	27	and	and	CCONJ
easat-11367	208	28	tl	tl	PROPN
easat-11367	208	29	/	/	SYM
easat-11367	208	30	td	td	PROPN
easat-11367	208	31	.	.	PUNCT
easat-11367	209	1	358	358	NUM
easat-11367	209	2	edelweiss	edelweiss	PROPN
easat-11367	209	3	applied	apply	VERB
easat-11367	209	4	science	science	NOUN
easat-11367	209	5	and	and	CCONJ
easat-11367	209	6	technology	technology	NOUN
easat-11367	209	7	issn	issn	PROPN
easat-11367	209	8	:	:	PUNCT
easat-11367	209	9	2576	2576	NUM
easat-11367	209	10	-	-	SYM
easat-11367	209	11	8484	8484	NUM
easat-11367	209	12	vol	vol	NOUN
easat-11367	209	13	.	.	PROPN
easat-11367	210	1	9	9	NUM
easat-11367	210	2	,	,	PUNCT
easat-11367	210	3	no	no	INTJ
easat-11367	210	4	.	.	NOUN
easat-11367	210	5	12	12	NUM
easat-11367	210	6	:	:	PUNCT
easat-11367	210	7	351	351	NUM
easat-11367	210	8	-	-	SYM
easat-11367	210	9	363	363	NUM
easat-11367	210	10	,	,	PUNCT
easat-11367	210	11	2025	2025	NUM
easat-11367	210	12	doi	doi	NOUN
easat-11367	210	13	:	:	PUNCT
easat-11367	210	14	10.55214/2576	10.55214/2576	NUM
easat-11367	210	15	-	-	SYM
easat-11367	210	16	8484.v9i12.11367	8484.v9i12.11367	NUM
easat-11367	211	1	©	©	PROPN
easat-11367	211	2	2025	2025	NUM
easat-11367	211	3	by	by	ADP
easat-11367	211	4	the	the	DET
easat-11367	211	5	authors	author	NOUN
easat-11367	211	6	;	;	PUNCT
easat-11367	211	7	licensee	licensee	PROPN
easat-11367	211	8	learning	learning	NOUN
easat-11367	211	9	gate	gate	NOUN
easat-11367	211	10	based	base	VERB
easat-11367	211	11	on	on	ADP
easat-11367	211	12	these	these	DET
easat-11367	211	13	test	test	NOUN
easat-11367	211	14	results	result	NOUN
easat-11367	211	15	,	,	PUNCT
easat-11367	211	16	it	it	PRON
easat-11367	211	17	can	can	AUX
easat-11367	211	18	be	be	AUX
easat-11367	211	19	concluded	conclude	VERB
easat-11367	211	20	that	that	SCONJ
easat-11367	211	21	there	there	PRON
easat-11367	211	22	is	be	VERB
easat-11367	211	23	a	a	DET
easat-11367	211	24	cointegration	cointegration	NOUN
easat-11367	211	25	relationship	relationship	NOUN
easat-11367	211	26	between	between	ADP
easat-11367	211	27	roa	roa	NOUN
easat-11367	211	28	as	as	ADP
easat-11367	211	29	the	the	DET
easat-11367	211	30	dependent	dependent	ADJ
easat-11367	211	31	variable	variable	NOUN
easat-11367	211	32	and	and	CCONJ
easat-11367	211	33	cr	cr	NOUN
easat-11367	211	34	indicators	indicator	NOUN
easat-11367	211	35	(	(	PUNCT
easat-11367	211	36	pdl	pdl	PROPN
easat-11367	211	37	/	/	SYM
easat-11367	211	38	tl	tl	PROPN
easat-11367	211	39	and	and	CCONJ
easat-11367	211	40	tl	tl	PROPN
easat-11367	211	41	/	/	SYM
easat-11367	211	42	td	td	PROPN
easat-11367	211	43	)	)	PUNCT
easat-11367	211	44	as	as	ADP
easat-11367	211	45	independent	independent	ADJ
easat-11367	211	46	variables	variable	NOUN
easat-11367	211	47	in	in	ADP
easat-11367	211	48	the	the	DET
easat-11367	211	49	yemeni	yemeni	ADJ
easat-11367	211	50	banks	bank	NOUN
easat-11367	211	51	under	under	ADP
easat-11367	211	52	study	study	NOUN
easat-11367	211	53	for	for	ADP
easat-11367	211	54	the	the	DET
easat-11367	211	55	period	period	NOUN
easat-11367	211	56	(	(	PUNCT
easat-11367	211	57	2004–2020	2004–2020	NUM
easat-11367	211	58	)	)	PUNCT
easat-11367	211	59	.	.	PUNCT
easat-11367	212	1	5.5	5.5	NUM
easat-11367	212	2	.	.	PUNCT
easat-11367	212	3	estimation	estimation	NOUN
easat-11367	212	4	of	of	ADP
easat-11367	212	5	model	model	NOUN
easat-11367	212	6	parameters	parameter	NOUN
easat-11367	212	7	using	use	VERB
easat-11367	212	8	the	the	DET
easat-11367	212	9	panel	panel	NOUN
easat-11367	212	10	autoregressive	autoregressive	ADJ
easat-11367	212	11	distributed	distribute	VERB
easat-11367	212	12	lag	lag	NOUN
easat-11367	212	13	(	(	PUNCT
easat-11367	212	14	panel	panel	NOUN
easat-11367	212	15	ardl	ardl	NOUN
easat-11367	212	16	)	)	PUNCT
easat-11367	212	17	model	model	NOUN
easat-11367	212	18	panel	panel	NOUN
easat-11367	212	19	ardl	ardl	NOUN
easat-11367	212	20	models	model	NOUN
easat-11367	212	21	are	be	AUX
easat-11367	212	22	beneficial	beneficial	ADJ
easat-11367	212	23	because	because	SCONJ
easat-11367	212	24	they	they	PRON
easat-11367	212	25	help	help	VERB
easat-11367	212	26	estimate	estimate	VERB
easat-11367	212	27	panel	panel	NOUN
easat-11367	212	28	data	datum	NOUN
easat-11367	212	29	parameters	parameter	NOUN
easat-11367	212	30	and	and	CCONJ
easat-11367	212	31	determine	determine	VERB
easat-11367	212	32	the	the	DET
easat-11367	212	33	dynamic	dynamic	ADJ
easat-11367	212	34	cointegration	cointegration	NOUN
easat-11367	212	35	relationship	relationship	NOUN
easat-11367	212	36	between	between	ADP
easat-11367	212	37	variables	variable	NOUN
easat-11367	212	38	in	in	ADP
easat-11367	212	39	both	both	CCONJ
easat-11367	212	40	the	the	DET
easat-11367	212	41	long	long	ADJ
easat-11367	212	42	and	and	CCONJ
easat-11367	212	43	short	short	ADJ
easat-11367	212	44	term	term	NOUN
easat-11367	212	45	.	.	PUNCT
easat-11367	213	1	they	they	PRON
easat-11367	213	2	are	be	AUX
easat-11367	213	3	also	also	ADV
easat-11367	213	4	used	use	VERB
easat-11367	213	5	to	to	PART
easat-11367	213	6	assess	assess	VERB
easat-11367	213	7	the	the	DET
easat-11367	213	8	impact	impact	NOUN
easat-11367	213	9	of	of	ADP
easat-11367	213	10	each	each	DET
easat-11367	213	11	variable	variable	NOUN
easat-11367	213	12	on	on	ADP
easat-11367	213	13	the	the	DET
easat-11367	213	14	other	other	ADJ
easat-11367	213	15	while	while	SCONJ
easat-11367	213	16	accounting	account	VERB
easat-11367	213	17	for	for	ADP
easat-11367	213	18	time	time	NOUN
easat-11367	213	19	lags	lag	NOUN
easat-11367	213	20	and	and	CCONJ
easat-11367	213	21	heterogeneity	heterogeneity	NOUN
easat-11367	213	22	in	in	ADP
easat-11367	213	23	the	the	DET
easat-11367	213	24	data	datum	NOUN
easat-11367	213	25	.	.	PUNCT
easat-11367	214	1	this	this	PRON
easat-11367	214	2	permits	permit	VERB
easat-11367	214	3	more	more	ADJ
easat-11367	214	4	variability	variability	NOUN
easat-11367	214	5	and	and	CCONJ
easat-11367	214	6	cross	cross	ADJ
easat-11367	214	7	-	-	ADJ
easat-11367	214	8	sectional	sectional	ADJ
easat-11367	214	9	differences	difference	NOUN
easat-11367	214	10	in	in	ADP
easat-11367	214	11	model	model	NOUN
easat-11367	214	12	parameters	parameter	NOUN
easat-11367	214	13	to	to	PART
easat-11367	214	14	attain	attain	VERB
easat-11367	214	15	the	the	DET
easat-11367	214	16	best	good	ADJ
easat-11367	214	17	estimation	estimation	NOUN
easat-11367	214	18	of	of	ADP
easat-11367	214	19	panel	panel	NOUN
easat-11367	214	20	data	datum	NOUN
easat-11367	214	21	,	,	PUNCT
easat-11367	214	22	indicating	indicate	VERB
easat-11367	214	23	the	the	DET
easat-11367	214	24	diverse	diverse	ADJ
easat-11367	214	25	behaviors	behavior	NOUN
easat-11367	214	26	of	of	ADP
easat-11367	214	27	the	the	DET
easat-11367	214	28	study	study	NOUN
easat-11367	214	29	's	's	PART
easat-11367	214	30	panel	panel	NOUN
easat-11367	214	31	data	datum	NOUN
easat-11367	214	32	[	[	X
easat-11367	214	33	60	60	NUM
easat-11367	214	34	]	]	PUNCT
easat-11367	214	35	.	.	PUNCT
easat-11367	215	1	panel	panel	NOUN
easat-11367	215	2	ardl	ardl	NOUN
easat-11367	215	3	models	model	NOUN
easat-11367	215	4	depend	depend	VERB
easat-11367	215	5	on	on	ADP
easat-11367	215	6	the	the	DET
easat-11367	215	7	error	error	NOUN
easat-11367	215	8	correction	correction	NOUN
easat-11367	215	9	mechanism	mechanism	NOUN
easat-11367	215	10	(	(	PUNCT
easat-11367	215	11	vecm	vecm	NOUN
easat-11367	215	12	)	)	PUNCT
easat-11367	215	13	for	for	ADP
easat-11367	215	14	longitudinal	longitudinal	ADJ
easat-11367	215	15	data	datum	NOUN
easat-11367	215	16	based	base	VERB
easat-11367	215	17	on	on	ADP
easat-11367	215	18	the	the	DET
easat-11367	215	19	mg	mg	PROPN
easat-11367	215	20	,	,	PUNCT
easat-11367	215	21	pmg	pmg	PROPN
easat-11367	215	22	,	,	PUNCT
easat-11367	215	23	and	and	CCONJ
easat-11367	215	24	dfe	dfe	PROPN
easat-11367	215	25	models	model	NOUN
easat-11367	215	26	.	.	PUNCT
easat-11367	216	1	to	to	PART
easat-11367	216	2	determine	determine	VERB
easat-11367	216	3	the	the	DET
easat-11367	216	4	regression	regression	NOUN
easat-11367	216	5	parameters	parameter	NOUN
easat-11367	216	6	between	between	ADP
easat-11367	216	7	roa	roa	NOUN
easat-11367	216	8	as	as	SCONJ
easat-11367	216	9	the	the	DET
easat-11367	216	10	dependent	dependent	ADJ
easat-11367	216	11	variable	variable	NOUN
easat-11367	216	12	and	and	CCONJ
easat-11367	216	13	cr	cr	NOUN
easat-11367	216	14	as	as	ADP
easat-11367	216	15	the	the	DET
easat-11367	216	16	independent	independent	ADJ
easat-11367	216	17	variable	variable	NOUN
easat-11367	216	18	,	,	PUNCT
easat-11367	216	19	panel	panel	NOUN
easat-11367	216	20	ardl	ardl	NOUN
easat-11367	216	21	models	model	NOUN
easat-11367	216	22	were	be	AUX
easat-11367	216	23	first	first	ADV
easat-11367	216	24	estimated	estimate	VERB
easat-11367	216	25	.	.	PUNCT
easat-11367	217	1	then	then	ADV
easat-11367	217	2	,	,	PUNCT
easat-11367	217	3	using	use	VERB
easat-11367	217	4	the	the	DET
easat-11367	217	5	hausman	hausman	ADJ
easat-11367	217	6	test	test	NOUN
easat-11367	217	7	,	,	PUNCT
easat-11367	217	8	the	the	DET
easat-11367	217	9	models	model	NOUN
easat-11367	217	10	were	be	AUX
easat-11367	217	11	compared	compare	VERB
easat-11367	217	12	,	,	PUNCT
easat-11367	217	13	and	and	CCONJ
easat-11367	217	14	the	the	DET
easat-11367	217	15	most	most	ADV
easat-11367	217	16	appropriate	appropriate	ADJ
easat-11367	217	17	model	model	NOUN
easat-11367	217	18	was	be	AUX
easat-11367	217	19	selected	select	VERB
easat-11367	217	20	as	as	ADP
easat-11367	217	21	representative	representative	NOUN
easat-11367	217	22	of	of	ADP
easat-11367	217	23	the	the	DET
easat-11367	217	24	varying	vary	VERB
easat-11367	217	25	behaviors	behavior	NOUN
easat-11367	217	26	of	of	ADP
easat-11367	217	27	the	the	DET
easat-11367	217	28	sample	sample	NOUN
easat-11367	217	29	under	under	ADP
easat-11367	217	30	study	study	NOUN
easat-11367	217	31	.	.	PUNCT
easat-11367	218	1	table	table	NOUN
easat-11367	218	2	5	5	NUM
easat-11367	218	3	presents	present	VERB
easat-11367	218	4	the	the	DET
easat-11367	218	5	results	result	NOUN
easat-11367	218	6	of	of	ADP
easat-11367	218	7	estimating	estimate	VERB
easat-11367	218	8	the	the	DET
easat-11367	218	9	panel	panel	NOUN
easat-11367	218	10	data	datum	NOUN
easat-11367	218	11	parameters	parameter	NOUN
easat-11367	218	12	according	accord	VERB
easat-11367	218	13	to	to	ADP
easat-11367	218	14	the	the	DET
easat-11367	218	15	mg	mg	PROPN
easat-11367	218	16	,	,	PUNCT
easat-11367	218	17	pmg	pmg	PROPN
easat-11367	218	18	,	,	PUNCT
easat-11367	218	19	and	and	CCONJ
easat-11367	218	20	dfe	dfe	PROPN
easat-11367	218	21	models	model	NOUN
easat-11367	218	22	,	,	PUNCT
easat-11367	218	23	which	which	PRON
easat-11367	218	24	are	be	AUX
easat-11367	218	25	presented	present	VERB
easat-11367	218	26	in	in	ADP
easat-11367	218	27	table	table	NOUN
easat-11367	218	28	5	5	NUM
easat-11367	218	29	.	.	PUNCT
easat-11367	218	30	table	table	NOUN
easat-11367	218	31	5	5	NUM
easat-11367	218	32	.	.	PUNCT
easat-11367	218	33	results	result	NOUN
easat-11367	218	34	of	of	ADP
easat-11367	218	35	estimating	estimate	VERB
easat-11367	218	36	panel	panel	NOUN
easat-11367	218	37	data	datum	NOUN
easat-11367	218	38	parameters	parameter	NOUN
easat-11367	218	39	according	accord	VERB
easat-11367	218	40	to	to	ADP
easat-11367	218	41	mg	mg	PROPN
easat-11367	218	42	,	,	PUNCT
easat-11367	218	43	pmg	pmg	PROPN
easat-11367	218	44	,	,	PUNCT
easat-11367	218	45	and	and	CCONJ
easat-11367	218	46	dfe	dfe	PROPN
easat-11367	218	47	models	model	NOUN
easat-11367	218	48	.	.	PUNCT
easat-11367	219	1	panel	panel	NOUN
easat-11367	219	2	ardl	ardl	PROPN
easat-11367	219	3	panel	panel	PROPN
easat-11367	219	4	dfe	dfe	PROPN
easat-11367	219	5	panel	panel	PROPN
easat-11367	219	6	mg	mg	PROPN
easat-11367	219	7	panel	panel	PROPN
easat-11367	219	8	pmg	pmg	PROPN
easat-11367	219	9	var	var	PROPN
easat-11367	219	10	p	p	PROPN
easat-11367	219	11	>	>	X
easat-11367	219	12	z	z	PROPN
easat-11367	219	13	coefficient	coefficient	NOUN
easat-11367	219	14	p	p	X
easat-11367	219	15	>	>	X
easat-11367	219	16	z	z	PROPN
easat-11367	219	17	coefficient	coefficient	NOUN
easat-11367	219	18	p	p	X
easat-11367	219	19	>	>	PROPN
easat-11367	219	20	z	z	PROPN
easat-11367	219	21	coefficient	coefficient	NOUN
easat-11367	219	22	short	short	ADJ
easat-11367	219	23	–	–	PUNCT
easat-11367	219	24	term	term	NOUN
easat-11367	219	25	(	(	PUNCT
easat-11367	219	26	st	st	PROPN
easat-11367	219	27	(	(	PUNCT
easat-11367	219	28	0.000	0.000	NUM
easat-11367	219	29	-0.5939998	-0.5939998	NOUN
easat-11367	219	30	0.000	0.000	NUM
easat-11367	219	31	-0.7316673	-0.7316673	NUM
easat-11367	219	32	0.000	0.000	NUM
easat-11367	219	33	-0.4752459	-0.4752459	NOUN
easat-11367	219	34	ect	ect	VERB
easat-11367	219	35	0.032	0.032	NUM
easat-11367	219	36	-0.0261781	-0.0261781	NOUN
easat-11367	219	37	0.125	0.125	NUM
easat-11367	219	38	-0.0481301	-0.0481301	NOUN
easat-11367	219	39	0.125	0.125	NUM
easat-11367	219	40	-0.0488012	-0.0488012	NOUN
easat-11367	219	41	pdl	pdl	PROPN
easat-11367	219	42	/	/	SYM
easat-11367	219	43	tld1	tld1	NOUN
easat-11367	219	44	.	.	PUNCT
easat-11367	220	1	0.072	0.072	NUM
easat-11367	220	2	-0.0189612	-0.0189612	NOUN
easat-11367	220	3	0.695	0.695	NUM
easat-11367	220	4	0.0051408	0.0051408	NUM
easat-11367	220	5	0.695	0.695	NUM
easat-11367	220	6	0.0202694	0.0202694	NUM
easat-11367	220	7	tl	tl	PROPN
easat-11367	220	8	/	/	SYM
easat-11367	220	9	tdd1	tdd1	PROPN
easat-11367	220	10	.	.	PUNCT
easat-11367	221	1	0.624	0.624	NUM
easat-11367	221	2	0.0015274	0.0015274	NUM
easat-11367	221	3	0.000	0.000	NUM
easat-11367	221	4	-0.0057981	-0.0057981	NOUN
easat-11367	221	5	0.000	0.000	NUM
easat-11367	221	6	-0.0050274	-0.0050274	NOUN
easat-11367	221	7	_	_	DET
easat-11367	221	8	cons	con	NOUN
easat-11367	221	9	long	long	ADJ
easat-11367	221	10	–	–	PUNCT
easat-11367	221	11	term	term	NOUN
easat-11367	221	12	(	(	PUNCT
easat-11367	221	13	lt	lt	NOUN
easat-11367	221	14	)	)	PUNCT
easat-11367	221	15	0.038	0.038	NUM
easat-11367	221	16	0.0249399	0.0249399	NUM
easat-11367	221	17	0.000	0.000	NUM
easat-11367	221	18	0.0472705	0.0472705	NUM
easat-11367	221	19	0.000	0.000	NUM
easat-11367	221	20	0.0701631	0.0701631	NUM
easat-11367	221	21	pdl	pdl	PROPN
easat-11367	221	22	/	/	SYM
easat-11367	221	23	tl	tl	PROPN
easat-11367	221	24	0.215	0.215	NUM
easat-11367	221	25	0.0157613	0.0157613	NUM
easat-11367	221	26	0.034	0.034	NUM
easat-11367	221	27	0.0628635	0.0628635	NUM
easat-11367	221	28	0.034	0.034	NUM
easat-11367	221	29	0.0267934	0.0267934	NUM
easat-11367	221	30	tl	tl	PROPN
easat-11367	221	31	/	/	SYM
easat-11367	221	32	td	td	NOUN
easat-11367	221	33	according	accord	VERB
easat-11367	221	34	to	to	ADP
easat-11367	221	35	table	table	NOUN
easat-11367	221	36	5	5	NUM
easat-11367	221	37	,	,	PUNCT
easat-11367	221	38	the	the	DET
easat-11367	221	39	error	error	NOUN
easat-11367	221	40	correction	correction	NOUN
easat-11367	221	41	term	term	NOUN
easat-11367	221	42	(	(	PUNCT
easat-11367	221	43	ect	ect	ADJ
easat-11367	221	44	)	)	PUNCT
easat-11367	221	45	values	value	NOUN
easat-11367	221	46	,	,	PUNCT
easat-11367	221	47	adjusting	adjust	VERB
easat-11367	221	48	for	for	ADP
easat-11367	221	49	short	short	ADJ
easat-11367	221	50	-	-	PUNCT
easat-11367	221	51	term	term	NOUN
easat-11367	221	52	shock	shock	NOUN
easat-11367	221	53	effects	effect	NOUN
easat-11367	221	54	to	to	PART
easat-11367	221	55	return	return	VERB
easat-11367	221	56	to	to	ADP
easat-11367	221	57	equilibrium	equilibrium	NOUN
easat-11367	221	58	,	,	PUNCT
easat-11367	221	59	are	be	AUX
easat-11367	221	60	negative	negative	ADJ
easat-11367	221	61	and	and	CCONJ
easat-11367	221	62	significant	significant	ADJ
easat-11367	221	63	at	at	ADP
easat-11367	221	64	the	the	DET
easat-11367	221	65	0.001	0.001	NUM
easat-11367	221	66	significance	significance	NOUN
easat-11367	221	67	level	level	NOUN
easat-11367	221	68	for	for	ADP
easat-11367	221	69	all	all	DET
easat-11367	221	70	panel	panel	NOUN
easat-11367	221	71	ardl	ardl	NOUN
easat-11367	221	72	models	model	NOUN
easat-11367	221	73	.	.	PUNCT
easat-11367	222	1	this	this	PRON
easat-11367	222	2	implies	imply	VERB
easat-11367	222	3	the	the	DET
easat-11367	222	4	presence	presence	NOUN
easat-11367	222	5	of	of	ADP
easat-11367	222	6	cointegration	cointegration	NOUN
easat-11367	222	7	and	and	CCONJ
easat-11367	222	8	a	a	DET
easat-11367	222	9	short	short	ADJ
easat-11367	222	10	-	-	PUNCT
easat-11367	222	11	term	term	NOUN
easat-11367	222	12	equilibrium	equilibrium	NOUN
easat-11367	222	13	relationship	relationship	NOUN
easat-11367	222	14	,	,	PUNCT
easat-11367	222	15	which	which	PRON
easat-11367	222	16	leads	lead	VERB
easat-11367	222	17	to	to	ADP
easat-11367	222	18	a	a	DET
easat-11367	222	19	long	long	ADJ
easat-11367	222	20	-	-	PUNCT
easat-11367	222	21	term	term	NOUN
easat-11367	222	22	equilibrium	equilibrium	NOUN
easat-11367	222	23	between	between	ADP
easat-11367	222	24	roa	roa	PROPN
easat-11367	222	25	as	as	ADP
easat-11367	222	26	the	the	DET
easat-11367	222	27	dependent	dependent	ADJ
easat-11367	222	28	variable	variable	NOUN
easat-11367	222	29	and	and	CCONJ
easat-11367	222	30	cr	cr	NOUN
easat-11367	222	31	as	as	ADP
easat-11367	222	32	the	the	DET
easat-11367	222	33	independent	independent	ADJ
easat-11367	222	34	variable	variable	NOUN
easat-11367	222	35	.	.	PUNCT
easat-11367	223	1	to	to	PART
easat-11367	223	2	compare	compare	VERB
easat-11367	223	3	the	the	DET
easat-11367	223	4	estimation	estimation	NOUN
easat-11367	223	5	results	result	NOUN
easat-11367	223	6	of	of	ADP
easat-11367	223	7	the	the	DET
easat-11367	223	8	mg	mg	PROPN
easat-11367	223	9	,	,	PUNCT
easat-11367	223	10	dfe	dfe	PROPN
easat-11367	223	11	,	,	PUNCT
easat-11367	223	12	and	and	CCONJ
easat-11367	223	13	pmg	pmg	PROPN
easat-11367	223	14	models	model	NOUN
easat-11367	223	15	for	for	ADP
easat-11367	223	16	longand	longand	NOUN
easat-11367	223	17	short	short	ADJ
easat-11367	223	18	-	-	PUNCT
easat-11367	223	19	term	term	NOUN
easat-11367	223	20	parameters	parameter	NOUN
easat-11367	223	21	and	and	CCONJ
easat-11367	223	22	to	to	PART
easat-11367	223	23	select	select	VERB
easat-11367	223	24	the	the	DET
easat-11367	223	25	optimal	optimal	ADJ
easat-11367	223	26	model	model	NOUN
easat-11367	223	27	for	for	ADP
easat-11367	223	28	parameter	parameter	NOUN
easat-11367	223	29	estimation	estimation	NOUN
easat-11367	223	30	,	,	PUNCT
easat-11367	223	31	the	the	DET
easat-11367	223	32	hausman	hausman	ADJ
easat-11367	223	33	test	test	NOUN
easat-11367	223	34	was	be	AUX
easat-11367	223	35	employed	employ	VERB
easat-11367	223	36	.	.	PUNCT
easat-11367	224	1	this	this	DET
easat-11367	224	2	test	test	NOUN
easat-11367	224	3	aids	aid	NOUN
easat-11367	224	4	in	in	ADP
easat-11367	224	5	choosing	choose	VERB
easat-11367	224	6	the	the	DET
easat-11367	224	7	most	most	ADV
easat-11367	224	8	appropriate	appropriate	ADJ
easat-11367	224	9	model	model	NOUN
easat-11367	224	10	to	to	PART
easat-11367	224	11	represent	represent	VERB
easat-11367	224	12	the	the	DET
easat-11367	224	13	diverse	diverse	ADJ
easat-11367	224	14	behaviors	behavior	NOUN
easat-11367	224	15	of	of	ADP
easat-11367	224	16	the	the	DET
easat-11367	224	17	studied	studied	ADJ
easat-11367	224	18	sample	sample	NOUN
easat-11367	224	19	.	.	PUNCT
easat-11367	225	1	table	table	NOUN
easat-11367	225	2	6	6	NUM
easat-11367	225	3	presents	present	VERB
easat-11367	225	4	the	the	DET
easat-11367	225	5	results	result	NOUN
easat-11367	225	6	of	of	ADP
easat-11367	225	7	the	the	DET
easat-11367	225	8	hausman	hausman	ADJ
easat-11367	225	9	test	test	NOUN
easat-11367	225	10	comparing	compare	VERB
easat-11367	225	11	the	the	DET
easat-11367	225	12	panel	panel	NOUN
easat-11367	225	13	ardl	ardl	NOUN
easat-11367	225	14	models	model	NOUN
easat-11367	225	15	represented	represent	VERB
easat-11367	225	16	by	by	ADP
easat-11367	225	17	the	the	DET
easat-11367	225	18	mg	mg	PROPN
easat-11367	225	19	,	,	PUNCT
easat-11367	225	20	pmg	pmg	PROPN
easat-11367	225	21	,	,	PUNCT
easat-11367	225	22	and	and	CCONJ
easat-11367	225	23	dfe	dfe	PROPN
easat-11367	225	24	.	.	PROPN
easat-11367	225	25	table	table	PROPN
easat-11367	225	26	6	6	NUM
easat-11367	225	27	.	.	PUNCT
easat-11367	225	28	hausman	hausman	PROPN
easat-11367	225	29	test	test	NOUN
easat-11367	225	30	results	result	NOUN
easat-11367	225	31	of	of	ADP
easat-11367	225	32	comparing	compare	VERB
easat-11367	225	33	panel	panel	NOUN
easat-11367	225	34	ardl	ardl	NOUN
easat-11367	225	35	models	model	NOUN
easat-11367	225	36	(	(	PUNCT
easat-11367	225	37	mg	mg	PROPN
easat-11367	225	38	,	,	PUNCT
easat-11367	225	39	pmg	pmg	PROPN
easat-11367	225	40	,	,	PUNCT
easat-11367	225	41	dfe	dfe	PROPN
easat-11367	225	42	)	)	PUNCT
easat-11367	225	43	.	.	PUNCT
easat-11367	226	1	decision	decision	NOUN
easat-11367	226	2	(	(	PUNCT
easat-11367	226	3	prob	prob	NOUN
easat-11367	226	4	)	)	PUNCT
easat-11367	226	5	𝒄𝒉ⅈ𝟐	𝒄𝒉ⅈ𝟐	PROPN
easat-11367	226	6	test	test	NOUN
easat-11367	226	7	to	to	PART
easat-11367	226	8	reject	reject	VERB
easat-11367	226	9	acceptance	acceptance	NOUN
easat-11367	226	10	mg	mg	PROPN
easat-11367	226	11	pmg	pmg	PROPN
easat-11367	226	12	0.4410	0.4410	NUM
easat-11367	226	13	1.64	1.64	NUM
easat-11367	226	14	pmg	pmg	PROPN
easat-11367	226	15	/	/	SYM
easat-11367	226	16	mg	mg	PROPN
easat-11367	226	17	hausman	hausman	PROPN
easat-11367	226	18	dfe	dfe	PROPN
easat-11367	226	19	pmg	pmg	PROPN
easat-11367	226	20	0.000	0.000	NUM
easat-11367	226	21	0.9999	0.9999	NUM
easat-11367	226	22	pmg	pmg	PROPN
easat-11367	226	23	/	/	SYM
easat-11367	226	24	dfe	dfe	PROPN
easat-11367	226	25	as	as	SCONJ
easat-11367	226	26	shown	show	VERB
easat-11367	226	27	in	in	ADP
easat-11367	226	28	table	table	NOUN
easat-11367	226	29	6	6	NUM
easat-11367	226	30	,	,	PUNCT
easat-11367	226	31	the	the	DET
easat-11367	226	32	p	p	NOUN
easat-11367	226	33	-	-	PUNCT
easat-11367	226	34	value	value	NOUN
easat-11367	226	35	(	(	PUNCT
easat-11367	226	36	prob	prob	NOUN
easat-11367	226	37	)	)	PUNCT
easat-11367	226	38	for	for	ADP
easat-11367	226	39	the	the	DET
easat-11367	226	40	chi	chi	NOUN
easat-11367	226	41	-	-	PUNCT
easat-11367	226	42	squared	square	VERB
easat-11367	226	43	(	(	PUNCT
easat-11367	226	44	𝑐ℎⅈ2	𝑐ℎⅈ2	PROPN
easat-11367	226	45	)	)	PUNCT
easat-11367	226	46	statistic	statistic	NOUN
easat-11367	226	47	used	use	VERB
easat-11367	226	48	to	to	PART
easat-11367	226	49	compare	compare	VERB
easat-11367	226	50	the	the	DET
easat-11367	226	51	pmg	pmg	PROPN
easat-11367	226	52	and	and	CCONJ
easat-11367	226	53	mg	mg	PROPN
easat-11367	226	54	models	model	NOUN
easat-11367	226	55	is	be	AUX
easat-11367	226	56	greater	great	ADJ
easat-11367	226	57	than	than	ADP
easat-11367	226	58	0.05	0.05	NUM
easat-11367	226	59	.	.	PUNCT
easat-11367	227	1	this	this	PRON
easat-11367	227	2	suggests	suggest	VERB
easat-11367	227	3	that	that	SCONJ
easat-11367	227	4	,	,	PUNCT
easat-11367	227	5	when	when	SCONJ
easat-11367	227	6	comparing	compare	VERB
easat-11367	227	7	the	the	DET
easat-11367	227	8	pmg	pmg	PROPN
easat-11367	227	9	and	and	CCONJ
easat-11367	227	10	mg	mg	PROPN
easat-11367	227	11	models	model	NOUN
easat-11367	227	12	,	,	PUNCT
easat-11367	227	13	the	the	DET
easat-11367	227	14	null	null	ADJ
easat-11367	227	15	hypothesis	hypothesis	NOUN
easat-11367	227	16	of	of	ADP
easat-11367	227	17	the	the	DET
easat-11367	227	18	hausman	hausman	PROPN
easat-11367	227	19	test	test	NOUN
easat-11367	227	20	is	be	AUX
easat-11367	227	21	accepted	accept	VERB
easat-11367	227	22	,	,	PUNCT
easat-11367	227	23	indicating	indicate	VERB
easat-11367	227	24	that	that	SCONJ
easat-11367	227	25	the	the	DET
easat-11367	227	26	pmg	pmg	PROPN
easat-11367	227	27	model	model	NOUN
easat-11367	227	28	is	be	AUX
easat-11367	227	29	optimal	optimal	ADJ
easat-11367	227	30	.	.	PUNCT
easat-11367	228	1	359	359	NUM
easat-11367	228	2	edelweiss	edelweiss	PROPN
easat-11367	228	3	applied	apply	VERB
easat-11367	228	4	science	science	NOUN
easat-11367	228	5	and	and	CCONJ
easat-11367	228	6	technology	technology	NOUN
easat-11367	228	7	issn	issn	PROPN
easat-11367	228	8	:	:	PUNCT
easat-11367	228	9	2576	2576	NUM
easat-11367	228	10	-	-	SYM
easat-11367	228	11	8484	8484	NUM
easat-11367	228	12	vol	vol	NOUN
easat-11367	228	13	.	.	PROPN
easat-11367	229	1	9	9	NUM
easat-11367	229	2	,	,	PUNCT
easat-11367	229	3	no	no	INTJ
easat-11367	229	4	.	.	NOUN
easat-11367	229	5	12	12	NUM
easat-11367	229	6	:	:	PUNCT
easat-11367	229	7	351	351	NUM
easat-11367	229	8	-	-	SYM
easat-11367	229	9	363	363	NUM
easat-11367	229	10	,	,	PUNCT
easat-11367	229	11	2025	2025	NUM
easat-11367	229	12	doi	doi	NOUN
easat-11367	229	13	:	:	PUNCT
easat-11367	229	14	10.55214/2576	10.55214/2576	NUM
easat-11367	229	15	-	-	SYM
easat-11367	229	16	8484.v9i12.11367	8484.v9i12.11367	NUM
easat-11367	230	1	©	©	PROPN
easat-11367	230	2	2025	2025	NUM
easat-11367	230	3	by	by	ADP
easat-11367	230	4	the	the	DET
easat-11367	230	5	authors	author	NOUN
easat-11367	230	6	;	;	PUNCT
easat-11367	230	7	licensee	licensee	PROPN
easat-11367	230	8	learning	learning	NOUN
easat-11367	230	9	gate	gate	VERB
easat-11367	230	10	the	the	DET
easat-11367	230	11	alternative	alternative	ADJ
easat-11367	230	12	hypothesis	hypothesis	NOUN
easat-11367	230	13	,	,	PUNCT
easat-11367	230	14	which	which	PRON
easat-11367	230	15	posits	posit	VERB
easat-11367	230	16	that	that	SCONJ
easat-11367	230	17	the	the	DET
easat-11367	230	18	mg	mg	PROPN
easat-11367	230	19	model	model	NOUN
easat-11367	230	20	is	be	AUX
easat-11367	230	21	optimal	optimal	ADJ
easat-11367	230	22	,	,	PUNCT
easat-11367	230	23	is	be	AUX
easat-11367	230	24	rejected	reject	VERB
easat-11367	230	25	.	.	PUNCT
easat-11367	231	1	when	when	SCONJ
easat-11367	231	2	comparing	compare	VERB
easat-11367	231	3	the	the	DET
easat-11367	231	4	pmg	pmg	PROPN
easat-11367	231	5	and	and	CCONJ
easat-11367	231	6	dfe	dfe	PROPN
easat-11367	231	7	models	model	NOUN
easat-11367	231	8	,	,	PUNCT
easat-11367	231	9	the	the	DET
easat-11367	231	10	p	p	NOUN
easat-11367	231	11	-	-	PUNCT
easat-11367	231	12	value	value	NOUN
easat-11367	231	13	(	(	PUNCT
easat-11367	231	14	prob	prob	NOUN
easat-11367	231	15	)	)	PUNCT
easat-11367	231	16	for	for	ADP
easat-11367	231	17	the	the	DET
easat-11367	231	18	chi	chi	NOUN
easat-11367	231	19	-	-	PUNCT
easat-11367	231	20	squared	square	VERB
easat-11367	231	21	(	(	PUNCT
easat-11367	231	22	𝑐ℎⅈ2	𝑐ℎⅈ2	PROPN
easat-11367	231	23	)	)	PUNCT
easat-11367	231	24	statistic	statistic	NOUN
easat-11367	231	25	is	be	AUX
easat-11367	231	26	less	less	ADJ
easat-11367	231	27	than	than	ADP
easat-11367	231	28	0.05	0.05	NUM
easat-11367	231	29	.	.	PUNCT
easat-11367	232	1	this	this	PRON
easat-11367	232	2	means	mean	VERB
easat-11367	232	3	the	the	DET
easat-11367	232	4	null	null	ADJ
easat-11367	232	5	hypothesis	hypothesis	NOUN
easat-11367	232	6	of	of	ADP
easat-11367	232	7	the	the	DET
easat-11367	232	8	hausman	hausman	PROPN
easat-11367	232	9	test	test	NOUN
easat-11367	232	10	is	be	AUX
easat-11367	232	11	rejected	reject	VERB
easat-11367	232	12	when	when	SCONJ
easat-11367	232	13	comparing	compare	VERB
easat-11367	232	14	the	the	DET
easat-11367	232	15	pmg	pmg	PROPN
easat-11367	232	16	and	and	CCONJ
easat-11367	232	17	dfe	dfe	PROPN
easat-11367	232	18	models	model	NOUN
easat-11367	232	19	,	,	PUNCT
easat-11367	232	20	which	which	PRON
easat-11367	232	21	asserts	assert	VERB
easat-11367	232	22	that	that	SCONJ
easat-11367	232	23	the	the	DET
easat-11367	232	24	dfe	dfe	PROPN
easat-11367	232	25	is	be	AUX
easat-11367	232	26	optimal	optimal	ADJ
easat-11367	232	27	.	.	PUNCT
easat-11367	233	1	instead	instead	ADV
easat-11367	233	2	,	,	PUNCT
easat-11367	233	3	the	the	DET
easat-11367	233	4	alternative	alternative	ADJ
easat-11367	233	5	hypothesis	hypothesis	NOUN
easat-11367	233	6	is	be	AUX
easat-11367	233	7	accepted	accept	VERB
easat-11367	233	8	,	,	PUNCT
easat-11367	233	9	indicating	indicate	VERB
easat-11367	233	10	that	that	SCONJ
easat-11367	233	11	the	the	DET
easat-11367	233	12	pmg	pmg	PROPN
easat-11367	233	13	model	model	NOUN
easat-11367	233	14	is	be	AUX
easat-11367	233	15	the	the	DET
easat-11367	233	16	preferred	preferred	ADJ
easat-11367	233	17	choice	choice	NOUN
easat-11367	233	18	.	.	PUNCT
easat-11367	234	1	based	base	VERB
easat-11367	234	2	on	on	ADP
easat-11367	234	3	the	the	DET
easat-11367	234	4	results	result	NOUN
easat-11367	234	5	of	of	ADP
easat-11367	234	6	the	the	DET
easat-11367	234	7	model	model	NOUN
easat-11367	234	8	comparisons	comparison	NOUN
easat-11367	234	9	among	among	ADP
easat-11367	234	10	the	the	DET
easat-11367	234	11	panel	panel	NOUN
easat-11367	234	12	ardl	ardl	NOUN
easat-11367	234	13	models	model	NOUN
easat-11367	234	14	(	(	PUNCT
easat-11367	234	15	mg	mg	PROPN
easat-11367	234	16	,	,	PUNCT
easat-11367	234	17	pmg	pmg	PROPN
easat-11367	234	18	,	,	PUNCT
easat-11367	234	19	dfe	dfe	PROPN
easat-11367	234	20	)	)	PUNCT
easat-11367	234	21	using	use	VERB
easat-11367	234	22	the	the	DET
easat-11367	234	23	hausman	hausman	ADJ
easat-11367	234	24	test	test	NOUN
easat-11367	234	25	,	,	PUNCT
easat-11367	234	26	it	it	PRON
easat-11367	234	27	was	be	AUX
easat-11367	234	28	concluded	conclude	VERB
easat-11367	234	29	that	that	SCONJ
easat-11367	234	30	the	the	DET
easat-11367	234	31	pmg	pmg	PROPN
easat-11367	234	32	model	model	NOUN
easat-11367	234	33	is	be	AUX
easat-11367	234	34	the	the	DET
easat-11367	234	35	most	most	ADV
easat-11367	234	36	suitable	suitable	ADJ
easat-11367	234	37	and	and	CCONJ
easat-11367	234	38	efficient	efficient	ADJ
easat-11367	234	39	for	for	ADP
easat-11367	234	40	representing	represent	VERB
easat-11367	234	41	the	the	DET
easat-11367	234	42	diverse	diverse	ADJ
easat-11367	234	43	behaviors	behavior	NOUN
easat-11367	234	44	of	of	ADP
easat-11367	234	45	the	the	DET
easat-11367	234	46	panel	panel	NOUN
easat-11367	234	47	data	datum	NOUN
easat-11367	234	48	in	in	ADP
easat-11367	234	49	this	this	DET
easat-11367	234	50	study	study	NOUN
easat-11367	234	51	.	.	PUNCT
easat-11367	235	1	the	the	DET
easat-11367	235	2	pmg	pmg	PROPN
easat-11367	235	3	model	model	NOUN
easat-11367	235	4	is	be	AUX
easat-11367	235	5	based	base	VERB
easat-11367	235	6	on	on	ADP
easat-11367	235	7	the	the	DET
easat-11367	235	8	homogeneity	homogeneity	NOUN
easat-11367	235	9	of	of	ADP
easat-11367	235	10	long	long	ADJ
easat-11367	235	11	-	-	PUNCT
easat-11367	235	12	term	term	NOUN
easat-11367	235	13	parameters	parameter	NOUN
easat-11367	235	14	,	,	PUNCT
easat-11367	235	15	variability	variability	NOUN
easat-11367	235	16	in	in	ADP
easat-11367	235	17	short	short	ADJ
easat-11367	235	18	-	-	PUNCT
easat-11367	235	19	term	term	NOUN
easat-11367	235	20	parameters	parameter	NOUN
easat-11367	235	21	,	,	PUNCT
easat-11367	235	22	error	error	NOUN
easat-11367	235	23	-	-	PUNCT
easat-11367	235	24	correction	correction	NOUN
easat-11367	235	25	adjustments	adjustment	NOUN
easat-11367	235	26	,	,	PUNCT
easat-11367	235	27	and	and	CCONJ
easat-11367	235	28	differences	difference	NOUN
easat-11367	235	29	in	in	ADP
easat-11367	235	30	error	error	NOUN
easat-11367	235	31	terms	term	NOUN
easat-11367	235	32	.	.	PUNCT
easat-11367	236	1	the	the	DET
easat-11367	236	2	pmg	pmg	PROPN
easat-11367	236	3	model	model	NOUN
easat-11367	236	4	can	can	AUX
easat-11367	236	5	be	be	AUX
easat-11367	236	6	expressed	express	VERB
easat-11367	236	7	in	in	ADP
easat-11367	236	8	terms	term	NOUN
easat-11367	236	9	of	of	ADP
easat-11367	236	10	the	the	DET
easat-11367	236	11	original	original	ADJ
easat-11367	236	12	values	value	NOUN
easat-11367	236	13	of	of	ADP
easat-11367	236	14	the	the	DET
easat-11367	236	15	panel	panel	NOUN
easat-11367	236	16	data	datum	NOUN
easat-11367	236	17	of	of	ADP
easat-11367	236	18	the	the	DET
easat-11367	236	19	study	study	NOUN
easat-11367	236	20	,	,	PUNCT
easat-11367	236	21	as	as	SCONJ
easat-11367	236	22	outlined	outline	VERB
easat-11367	236	23	in	in	ADP
easat-11367	236	24	table	table	NOUN
easat-11367	236	25	6	6	NUM
easat-11367	236	26	,	,	PUNCT
easat-11367	236	27	according	accord	VERB
easat-11367	236	28	to	to	ADP
easat-11367	236	29	the	the	DET
easat-11367	236	30	following	follow	VERB
easat-11367	236	31	mathematical	mathematical	ADJ
easat-11367	236	32	equation	equation	NOUN
easat-11367	236	33	:	:	PUNCT
easat-11367	236	34	∆roa1𝑖𝑡	∆roa1𝑖𝑡	PUNCT
easat-11367	237	1	=	=	SYM
easat-11367	237	2	−0.0050274	−0.0050274	PROPN
easat-11367	237	3	+	+	CCONJ
easat-11367	237	4	(	(	PUNCT
easat-11367	237	5	−0.4752459)(roa1𝑖,𝑡−1	−0.4752459)(roa1𝑖,𝑡−1	NOUN
easat-11367	237	6	−	−	NOUN
easat-11367	237	7	0.0701631pdl	0.0701631pdl	NOUN
easat-11367	237	8	/	/	SYM
easat-11367	237	9	tl𝑖,𝑡−1	tl𝑖,𝑡−1	PROPN
easat-11367	238	1	−	−	PROPN
easat-11367	238	2	0.0267934tl	0.0267934tl	NUM
easat-11367	238	3	/	/	SYM
easat-11367	238	4	td𝑖,𝑡−1	td𝑖,𝑡−1	PROPN
easat-11367	238	5	)	)	PUNCT
easat-11367	238	6	(	(	PUNCT
easat-11367	238	7	3	3	X
easat-11367	238	8	)	)	PUNCT
easat-11367	238	9	by	by	ADP
easat-11367	238	10	multiplying	multiply	VERB
easat-11367	238	11	the	the	DET
easat-11367	238	12	error	error	NOUN
easat-11367	238	13	correction	correction	NOUN
easat-11367	238	14	term	term	NOUN
easat-11367	238	15	(	(	PUNCT
easat-11367	238	16	ect	ect	X
easat-11367	238	17	)	)	PUNCT
easat-11367	238	18	by	by	ADP
easat-11367	238	19	the	the	DET
easat-11367	238	20	long	long	ADJ
easat-11367	238	21	-	-	PUNCT
easat-11367	238	22	term	term	NOUN
easat-11367	238	23	parameters	parameter	NOUN
easat-11367	238	24	,	,	PUNCT
easat-11367	238	25	we	we	PRON
easat-11367	238	26	obtain	obtain	VERB
easat-11367	238	27	equation	equation	NOUN
easat-11367	238	28	(	(	PUNCT
easat-11367	238	29	4	4	NUM
easat-11367	238	30	)	)	PUNCT
easat-11367	238	31	.	.	PUNCT
easat-11367	239	1	∆𝑦roa1𝑖𝑡	∆𝑦roa1𝑖𝑡	VERB
easat-11367	239	2	=	=	SYM
easat-11367	239	3	−0.0050274	−0.0050274	NUM
easat-11367	239	4	−	−	PROPN
easat-11367	239	5	(	(	PUNCT
easat-11367	239	6	0.4752459roa𝑖,𝑡−1	0.4752459roa𝑖,𝑡−1	ADV
easat-11367	239	7	)	)	PUNCT
easat-11367	240	1	+	+	CCONJ
easat-11367	240	2	(	(	PUNCT
easat-11367	240	3	0.033344726	0.033344726	NUM
easat-11367	240	4	pdl	pdl	NOUN
easat-11367	240	5	/	/	SYM
easat-11367	240	6	tl𝑖,𝑡−1	tl𝑖,𝑡−1	NOUN
easat-11367	240	7	)	)	PUNCT
easat-11367	241	1	+	+	CCONJ
easat-11367	241	2	(	(	PUNCT
easat-11367	241	3	0.012733453tl	0.012733453tl	NUM
easat-11367	241	4	/	/	SYM
easat-11367	241	5	td𝑖,𝑡−1	td𝑖,𝑡−1	PROPN
easat-11367	241	6	)	)	PUNCT
easat-11367	241	7	(	(	PUNCT
easat-11367	241	8	4	4	X
easat-11367	241	9	)	)	PUNCT
easat-11367	241	10	given	give	VERB
easat-11367	241	11	that	that	PRON
easat-11367	241	12	:	:	PUNCT
easat-11367	242	1	∆roa𝑖,𝑡	∆roa𝑖,𝑡	PROPN
easat-11367	242	2	=	=	SYM
easat-11367	242	3	roa𝑖,𝑡	roa𝑖,𝑡	VERB
easat-11367	242	4	−	−	PROPN
easat-11367	242	5	roa𝑖,𝑡−1	roa𝑖,𝑡−1	NOUN
easat-11367	242	6	substituting	substitute	VERB
easat-11367	242	7	this	this	PRON
easat-11367	242	8	into	into	ADP
easat-11367	242	9	equation	equation	NOUN
easat-11367	242	10	(	(	PUNCT
easat-11367	242	11	4	4	X
easat-11367	242	12	)	)	PUNCT
easat-11367	242	13	yields	yield	NOUN
easat-11367	242	14	equation	equation	NOUN
easat-11367	242	15	(	(	PUNCT
easat-11367	242	16	5	5	NUM
easat-11367	242	17	):	):	PUNCT
easat-11367	242	18	𝑅𝑂𝐴𝑖,𝑡	𝑅𝑂𝐴𝑖,𝑡	VERB
easat-11367	242	19	−	−	NUM
easat-11367	242	20	𝑅𝑂𝐴𝑖,𝑡−1	𝑅𝑂𝐴𝑖,𝑡−1	NOUN
easat-11367	242	21	=	=	SYM
easat-11367	242	22	−0.0050274	−0.0050274	NUM
easat-11367	242	23	−	−	PROPN
easat-11367	242	24	(	(	PUNCT
easat-11367	242	25	0.4752459𝑅𝑂𝐴𝑖,𝑡−1)+	0.4752459𝑅𝑂𝐴𝑖,𝑡−1)+	NUM
easat-11367	242	26	(	(	PUNCT
easat-11367	242	27	0.033344726	0.033344726	NUM
easat-11367	242	28	pdl	pdl	X
easat-11367	242	29	tl	tl	PROPN
easat-11367	242	30	𝑖,𝑡−1	𝑖,𝑡−1	NUM
easat-11367	242	31	)	)	PUNCT
easat-11367	243	1	+	+	CCONJ
easat-11367	243	2	(	(	PUNCT
easat-11367	243	3	0.012733453	0.012733453	NUM
easat-11367	243	4	tl	tl	PROPN
easat-11367	243	5	td𝑖,𝑡−1	td𝑖,𝑡−1	PROPN
easat-11367	243	6	)	)	PUNCT
easat-11367	243	7	(	(	PUNCT
easat-11367	243	8	5	5	NUM
easat-11367	243	9	)	)	PUNCT
easat-11367	243	10	by	by	ADP
easat-11367	243	11	combining	combine	VERB
easat-11367	243	12	the	the	DET
easat-11367	243	13	terms	term	NOUN
easat-11367	243	14	in	in	ADP
easat-11367	243	15	equation	equation	NOUN
easat-11367	243	16	(	(	PUNCT
easat-11367	243	17	5	5	NUM
easat-11367	243	18	)	)	PUNCT
easat-11367	243	19	,	,	PUNCT
easat-11367	243	20	we	we	PRON
easat-11367	243	21	obtain	obtain	VERB
easat-11367	243	22	equation	equation	NOUN
easat-11367	243	23	(	(	PUNCT
easat-11367	243	24	6	6	NUM
easat-11367	243	25	):	):	PUNCT
easat-11367	243	26	𝑅𝑂𝐴𝑖,𝑡	𝑅𝑂𝐴𝑖,𝑡	VERB
easat-11367	243	27	=	=	NOUN
easat-11367	243	28	−0.0050274	−0.0050274	PROPN
easat-11367	243	29	+	+	CCONJ
easat-11367	243	30	(	(	PUNCT
easat-11367	243	31	0.5247541𝑅𝑂𝐴1𝑖,𝑡−1	0.5247541𝑅𝑂𝐴1𝑖,𝑡−1	NUM
easat-11367	243	32	)	)	PUNCT
easat-11367	243	33	+	+	CCONJ
easat-11367	243	34	(	(	PUNCT
easat-11367	243	35	0.033344726	0.033344726	NUM
easat-11367	243	36	pdl	pdl	NOUN
easat-11367	243	37	tl	tl	PROPN
easat-11367	243	38	𝑖,𝑡−1	𝑖,𝑡−1	NUM
easat-11367	243	39	)	)	PUNCT
easat-11367	244	1	+	+	CCONJ
easat-11367	244	2	(	(	PUNCT
easat-11367	244	3	0.012733453	0.012733453	NUM
easat-11367	244	4	tl	tl	PROPN
easat-11367	244	5	td𝑖,𝑡−1	td𝑖,𝑡−1	PROPN
easat-11367	244	6	)	)	PUNCT
easat-11367	244	7	(	(	PUNCT
easat-11367	244	8	6	6	NUM
easat-11367	244	9	)	)	PUNCT
easat-11367	244	10	5.6	5.6	NUM
easat-11367	244	11	.	.	PUNCT
easat-11367	245	1	cross	cross	ADJ
easat-11367	245	2	-	-	ADJ
easat-11367	245	3	sectional	sectional	ADJ
easat-11367	245	4	dependence	dependence	NOUN
easat-11367	245	5	(	(	PUNCT
easat-11367	245	6	csd	csd	NOUN
easat-11367	245	7	tests	test	NOUN
easat-11367	245	8	)	)	PUNCT
easat-11367	245	9	test	test	NOUN
easat-11367	245	10	for	for	ADP
easat-11367	245	11	the	the	DET
easat-11367	245	12	estimated	estimate	VERB
easat-11367	245	13	pmg	pmg	PROPN
easat-11367	245	14	model	model	PROPN
easat-11367	245	15	residuals	residual	VERB
easat-11367	245	16	cross	cross	ADJ
easat-11367	245	17	-	-	ADJ
easat-11367	245	18	sectional	sectional	ADJ
easat-11367	245	19	dependence	dependence	NOUN
easat-11367	245	20	tests	test	NOUN
easat-11367	245	21	(	(	PUNCT
easat-11367	245	22	csd	csd	NOUN
easat-11367	245	23	tests	test	NOUN
easat-11367	245	24	)	)	PUNCT
easat-11367	245	25	are	be	AUX
easat-11367	245	26	used	use	VERB
easat-11367	245	27	to	to	PART
easat-11367	245	28	assess	assess	VERB
easat-11367	245	29	the	the	DET
easat-11367	245	30	quality	quality	NOUN
easat-11367	245	31	of	of	ADP
easat-11367	245	32	the	the	DET
easat-11367	245	33	estimated	estimate	VERB
easat-11367	245	34	model	model	NOUN
easat-11367	245	35	by	by	ADP
easat-11367	245	36	ensuring	ensure	VERB
easat-11367	245	37	that	that	SCONJ
easat-11367	245	38	the	the	DET
easat-11367	245	39	residuals	residual	NOUN
easat-11367	245	40	are	be	AUX
easat-11367	245	41	independent	independent	ADJ
easat-11367	245	42	of	of	ADP
easat-11367	245	43	the	the	DET
easat-11367	245	44	errors	error	NOUN
easat-11367	245	45	associated	associate	VERB
easat-11367	245	46	with	with	ADP
easat-11367	245	47	other	other	ADJ
easat-11367	245	48	cross	cross	ADJ
easat-11367	245	49	-	-	ADJ
easat-11367	245	50	sectional	sectional	ADJ
easat-11367	245	51	units	unit	NOUN
easat-11367	245	52	.	.	PUNCT
easat-11367	246	1	these	these	DET
easat-11367	246	2	tests	test	NOUN
easat-11367	246	3	help	help	VERB
easat-11367	246	4	determine	determine	VERB
easat-11367	246	5	whether	whether	SCONJ
easat-11367	246	6	the	the	DET
easat-11367	246	7	residuals	residual	NOUN
easat-11367	246	8	are	be	AUX
easat-11367	246	9	free	free	ADJ
easat-11367	246	10	from	from	ADP
easat-11367	246	11	csd	csd	PROPN
easat-11367	246	12	resulting	result	VERB
easat-11367	246	13	from	from	ADP
easat-11367	246	14	common	common	ADJ
easat-11367	246	15	external	external	ADJ
easat-11367	246	16	factors	factor	NOUN
easat-11367	246	17	or	or	CCONJ
easat-11367	246	18	correlated	correlate	VERB
easat-11367	246	19	effects	effect	NOUN
easat-11367	246	20	.	.	PUNCT
easat-11367	247	1	if	if	SCONJ
easat-11367	247	2	such	such	ADJ
easat-11367	247	3	dependence	dependence	NOUN
easat-11367	247	4	is	be	AUX
easat-11367	247	5	present	present	ADJ
easat-11367	247	6	,	,	PUNCT
easat-11367	247	7	it	it	PRON
easat-11367	247	8	becomes	become	VERB
easat-11367	247	9	necessary	necessary	ADJ
easat-11367	247	10	to	to	PART
easat-11367	247	11	adopt	adopt	VERB
easat-11367	247	12	models	model	NOUN
easat-11367	247	13	that	that	PRON
easat-11367	247	14	account	account	VERB
easat-11367	247	15	for	for	ADP
easat-11367	247	16	common	common	ADJ
easat-11367	247	17	factors	factor	NOUN
easat-11367	247	18	among	among	ADP
easat-11367	247	19	the	the	DET
easat-11367	247	20	estimated	estimate	VERB
easat-11367	247	21	residuals	residual	NOUN
easat-11367	247	22	.	.	PUNCT
easat-11367	248	1	key	key	ADJ
easat-11367	248	2	tests	test	NOUN
easat-11367	248	3	used	use	VERB
easat-11367	248	4	to	to	PART
easat-11367	248	5	evaluate	evaluate	VERB
easat-11367	248	6	csd	csd	NOUN
easat-11367	248	7	in	in	ADP
easat-11367	248	8	estimated	estimate	VERB
easat-11367	248	9	model	model	NOUN
easat-11367	248	10	residuals	residual	NOUN
easat-11367	248	11	include	include	VERB
easat-11367	248	12	the	the	DET
easat-11367	248	13	pesaran	pesaran	NOUN
easat-11367	248	14	and	and	CCONJ
easat-11367	248	15	xie	xie	PROPN
easat-11367	249	1	[	[	X
easat-11367	249	2	61	61	NUM
easat-11367	249	3	]	]	PUNCT
easat-11367	249	4	test	test	NOUN
easat-11367	249	5	,	,	PUNCT
easat-11367	249	6	cdw	cdw	PROPN
easat-11367	249	7	test	test	VERB
easat-11367	249	8	with	with	ADP
easat-11367	249	9	power	power	NOUN
easat-11367	249	10	enhancement	enhancement	NOUN
easat-11367	249	11	from	from	ADP
easat-11367	249	12	fan	fan	PROPN
easat-11367	249	13	et	et	PROPN
easat-11367	249	14	al	al	PROPN
easat-11367	249	15	.	.	PUNCT
easat-11367	250	1	[	[	X
easat-11367	250	2	62	62	NUM
easat-11367	250	3	]	]	PUNCT
easat-11367	250	4	,	,	PUNCT
easat-11367	250	5	juodis	juodis	PROPN
easat-11367	250	6	and	and	CCONJ
easat-11367	250	7	reese	reese	PROPN
easat-11367	250	8	[	[	X
easat-11367	250	9	63	63	NUM
easat-11367	250	10	]	]	PUNCT
easat-11367	250	11	test	test	NOUN
easat-11367	250	12	,	,	PUNCT
easat-11367	250	13	pesaran	pesaran	VERB
easat-11367	251	1	[	[	X
easat-11367	251	2	64	64	NUM
easat-11367	251	3	]	]	PUNCT
easat-11367	251	4	,	,	PUNCT
easat-11367	251	5	and	and	CCONJ
easat-11367	251	6	pesaran	pesaran	VERB
easat-11367	251	7	[	[	X
easat-11367	251	8	65	65	NUM
easat-11367	251	9	]	]	PUNCT
easat-11367	251	10	test	test	NOUN
easat-11367	251	11	.	.	PUNCT
easat-11367	252	1	table	table	NOUN
easat-11367	252	2	7	7	NUM
easat-11367	252	3	explains	explain	VERB
easat-11367	252	4	the	the	DET
easat-11367	252	5	results	result	NOUN
easat-11367	252	6	of	of	ADP
easat-11367	252	7	the	the	DET
easat-11367	252	8	(	(	PUNCT
easat-11367	252	9	csd	csd	NOUN
easat-11367	252	10	tests	test	NOUN
easat-11367	252	11	)	)	PUNCT
easat-11367	252	12	for	for	ADP
easat-11367	252	13	the	the	DET
easat-11367	252	14	estimated	estimate	VERB
easat-11367	252	15	pmg	pmg	PROPN
easat-11367	252	16	model	model	NOUN
easat-11367	252	17	residuals	residual	NOUN
easat-11367	252	18	.	.	PUNCT
easat-11367	253	1	table	table	NOUN
easat-11367	253	2	7	7	NUM
easat-11367	253	3	.	.	PUNCT
easat-11367	254	1	(	(	PUNCT
easat-11367	254	2	csd	csd	NOUN
easat-11367	254	3	tests	test	NOUN
easat-11367	254	4	)	)	PUNCT
easat-11367	254	5	results	result	VERB
easat-11367	254	6	for	for	ADP
easat-11367	254	7	the	the	DET
easat-11367	254	8	estimated	estimate	VERB
easat-11367	254	9	pmg	pmg	PROPN
easat-11367	254	10	model	model	NOUN
easat-11367	254	11	residuals	residual	NOUN
easat-11367	254	12	.	.	PUNCT
easat-11367	255	1	csd	csd	NOUN
easat-11367	255	2	tests	test	VERB
easat-11367	255	3	cross	cross	ADJ
easat-11367	255	4	-	-	ADJ
easat-11367	255	5	sectional	sectional	ADJ
easat-11367	255	6	dependence	dependence	NOUN
easat-11367	255	7	cd	cd	NOUN
easat-11367	255	8	cdw	cdw	NOUN
easat-11367	255	9	cdw+	cdw+	SYM
easat-11367	255	10	cd	cd	PROPN
easat-11367	255	11	*	*	PROPN
easat-11367	255	12	resid_pmg	resid_pmg	NUM
easat-11367	255	13	3.95	3.95	NUM
easat-11367	255	14	(	(	PUNCT
easat-11367	255	15	0.095	0.095	NUM
easat-11367	255	16	)	)	PUNCT
easat-11367	255	17	1.07	1.07	NUM
easat-11367	255	18	(	(	PUNCT
easat-11367	255	19	0.286	0.286	NUM
easat-11367	255	20	)	)	PUNCT
easat-11367	255	21	30.08	30.08	NUM
easat-11367	255	22	(	(	PUNCT
easat-11367	255	23	0.000	0.000	NUM
easat-11367	255	24	)	)	PUNCT
easat-11367	255	25	0.82	0.82	NUM
easat-11367	255	26	(	(	PUNCT
easat-11367	255	27	0.411	0.411	NUM
easat-11367	255	28	)	)	PUNCT
easat-11367	255	29	table	table	NOUN
easat-11367	255	30	7	7	NUM
easat-11367	255	31	indicates	indicate	VERB
easat-11367	255	32	that	that	SCONJ
easat-11367	255	33	the	the	DET
easat-11367	255	34	results	result	NOUN
easat-11367	255	35	of	of	ADP
easat-11367	255	36	most	most	ADJ
easat-11367	255	37	(	(	PUNCT
easat-11367	255	38	csd	csd	NOUN
easat-11367	255	39	tests	test	NOUN
easat-11367	255	40	)	)	PUNCT
easat-11367	255	41	for	for	ADP
easat-11367	255	42	the	the	DET
easat-11367	255	43	estimated	estimate	VERB
easat-11367	255	44	model	model	NOUN
easat-11367	255	45	residuals	residual	NOUN
easat-11367	255	46	accept	accept	VERB
easat-11367	255	47	the	the	DET
easat-11367	255	48	null	null	ADJ
easat-11367	255	49	hypothesis	hypothesis	NOUN
easat-11367	255	50	,	,	PUNCT
easat-11367	255	51	which	which	PRON
easat-11367	255	52	states	state	VERB
easat-11367	255	53	that	that	SCONJ
easat-11367	255	54	there	there	PRON
easat-11367	255	55	are	be	VERB
easat-11367	255	56	weak	weak	ADJ
easat-11367	255	57	(	(	PUNCT
easat-11367	255	58	csd	csd	NOUN
easat-11367	255	59	tests	test	NOUN
easat-11367	255	60	)	)	PUNCT
easat-11367	255	61	among	among	ADP
easat-11367	255	62	the	the	DET
easat-11367	255	63	residuals	residual	NOUN
easat-11367	255	64	,	,	PUNCT
easat-11367	255	65	and	and	CCONJ
easat-11367	255	66	reject	reject	VERB
easat-11367	255	67	the	the	DET
easat-11367	255	68	alternative	alternative	ADJ
easat-11367	255	69	hypothesis	hypothesis	NOUN
easat-11367	255	70	,	,	PUNCT
easat-11367	255	71	which	which	PRON
easat-11367	255	72	suggests	suggest	VERB
easat-11367	255	73	that	that	SCONJ
easat-11367	255	74	the	the	DET
easat-11367	255	75	residuals	residual	NOUN
easat-11367	255	76	exhibit	exhibit	VERB
easat-11367	255	77	strong	strong	ADJ
easat-11367	255	78	(	(	PUNCT
easat-11367	255	79	csd	csd	NOUN
easat-11367	255	80	tests	test	NOUN
easat-11367	255	81	)	)	PUNCT
easat-11367	255	82	.	.	PUNCT
easat-11367	256	1	this	this	PRON
easat-11367	256	2	implies	imply	VERB
easat-11367	256	3	that	that	SCONJ
easat-11367	256	4	360	360	NUM
easat-11367	256	5	edelweiss	edelweiss	PROPN
easat-11367	256	6	applied	apply	VERB
easat-11367	256	7	science	science	NOUN
easat-11367	256	8	and	and	CCONJ
easat-11367	256	9	technology	technology	NOUN
easat-11367	256	10	issn	issn	PROPN
easat-11367	256	11	:	:	PUNCT
easat-11367	256	12	2576	2576	NUM
easat-11367	256	13	-	-	SYM
easat-11367	256	14	8484	8484	NUM
easat-11367	256	15	vol	vol	NOUN
easat-11367	256	16	.	.	PROPN
easat-11367	256	17	9	9	NUM
easat-11367	256	18	,	,	PUNCT
easat-11367	256	19	no	no	INTJ
easat-11367	256	20	.	.	NOUN
easat-11367	256	21	12	12	NUM
easat-11367	256	22	:	:	PUNCT
easat-11367	256	23	351	351	NUM
easat-11367	256	24	-	-	SYM
easat-11367	256	25	363	363	NUM
easat-11367	256	26	,	,	PUNCT
easat-11367	256	27	2025	2025	NUM
easat-11367	256	28	doi	doi	NOUN
easat-11367	256	29	:	:	PUNCT
easat-11367	256	30	10.55214/2576	10.55214/2576	NUM
easat-11367	256	31	-	-	SYM
easat-11367	256	32	8484.v9i12.11367	8484.v9i12.11367	NUM
easat-11367	256	33	©	©	PROPN
easat-11367	256	34	2025	2025	NUM
easat-11367	256	35	by	by	ADP
easat-11367	256	36	the	the	DET
easat-11367	256	37	authors	author	NOUN
easat-11367	256	38	;	;	PUNCT
easat-11367	256	39	licensee	licensee	PROPN
easat-11367	256	40	learning	learning	NOUN
easat-11367	256	41	gate	gate	NOUN
easat-11367	256	42	there	there	PRON
easat-11367	256	43	are	be	VERB
easat-11367	256	44	no	no	DET
easat-11367	256	45	common	common	ADJ
easat-11367	256	46	factors	factor	NOUN
easat-11367	256	47	influencing	influence	VERB
easat-11367	256	48	the	the	DET
easat-11367	256	49	residuals	residual	NOUN
easat-11367	256	50	and	and	CCONJ
easat-11367	256	51	that	that	SCONJ
easat-11367	256	52	each	each	DET
easat-11367	256	53	bank	bank	NOUN
easat-11367	256	54	in	in	ADP
easat-11367	256	55	the	the	DET
easat-11367	256	56	study	study	NOUN
easat-11367	256	57	is	be	AUX
easat-11367	256	58	affected	affect	VERB
easat-11367	256	59	by	by	ADP
easat-11367	256	60	factors	factor	NOUN
easat-11367	256	61	distinct	distinct	ADJ
easat-11367	256	62	from	from	ADP
easat-11367	256	63	those	those	PRON
easat-11367	256	64	affecting	affect	VERB
easat-11367	256	65	other	other	ADJ
easat-11367	256	66	banks	bank	NOUN
easat-11367	256	67	,	,	PUNCT
easat-11367	256	68	with	with	ADP
easat-11367	256	69	no	no	DET
easat-11367	256	70	shared	share	VERB
easat-11367	256	71	factors	factor	NOUN
easat-11367	256	72	among	among	ADP
easat-11367	256	73	them	they	PRON
easat-11367	256	74	.	.	PUNCT
easat-11367	257	1	therefore	therefore	ADV
easat-11367	257	2	,	,	PUNCT
easat-11367	257	3	the	the	DET
easat-11367	257	4	pmg	pmg	PROPN
easat-11367	257	5	is	be	AUX
easat-11367	257	6	suitable	suitable	ADJ
easat-11367	257	7	for	for	ADP
easat-11367	257	8	estimating	estimate	VERB
easat-11367	257	9	the	the	DET
easat-11367	257	10	cr	cr	PROPN
easat-11367	257	11	and	and	CCONJ
easat-11367	257	12	roa	roa	PROPN
easat-11367	257	13	relationships	relationship	NOUN
easat-11367	257	14	in	in	ADP
easat-11367	257	15	the	the	DET
easat-11367	257	16	yemeni	yemeni	ADJ
easat-11367	257	17	banks	bank	NOUN
easat-11367	257	18	under	under	ADP
easat-11367	257	19	study	study	NOUN
easat-11367	257	20	.	.	PUNCT
easat-11367	258	1	6	6	X
easat-11367	258	2	.	.	X
easat-11367	258	3	conclusions	conclusion	NOUN
easat-11367	258	4	the	the	DET
easat-11367	258	5	study	study	NOUN
easat-11367	258	6	utilized	utilize	VERB
easat-11367	258	7	the	the	DET
easat-11367	258	8	pmg	pmg	PROPN
easat-11367	258	9	model	model	NOUN
easat-11367	258	10	for	for	ADP
easat-11367	258	11	panel	panel	NOUN
easat-11367	258	12	ardl	ardl	PROPN
easat-11367	258	13	data	datum	NOUN
easat-11367	258	14	to	to	PART
easat-11367	258	15	discuss	discuss	VERB
easat-11367	258	16	the	the	DET
easat-11367	258	17	results	result	NOUN
easat-11367	258	18	,	,	PUNCT
easat-11367	258	19	answer	answer	VERB
easat-11367	258	20	its	its	PRON
easat-11367	258	21	questions	question	NOUN
easat-11367	258	22	,	,	PUNCT
easat-11367	258	23	achieve	achieve	VERB
easat-11367	258	24	its	its	PRON
easat-11367	258	25	objectives	objective	NOUN
easat-11367	258	26	,	,	PUNCT
easat-11367	258	27	and	and	CCONJ
easat-11367	258	28	test	test	VERB
easat-11367	258	29	its	its	PRON
easat-11367	258	30	hypotheses	hypothesis	NOUN
easat-11367	258	31	.	.	PUNCT
easat-11367	259	1	the	the	DET
easat-11367	259	2	findings	finding	NOUN
easat-11367	259	3	indicate	indicate	VERB
easat-11367	259	4	that	that	SCONJ
easat-11367	259	5	cr	cr	PROPN
easat-11367	259	6	,	,	PUNCT
easat-11367	259	7	measured	measure	VERB
easat-11367	259	8	by	by	ADP
easat-11367	259	9	pdl	pdl	PROPN
easat-11367	259	10	/	/	SYM
easat-11367	259	11	tl	tl	PROPN
easat-11367	259	12	and	and	CCONJ
easat-11367	259	13	tl	tl	PROPN
easat-11367	259	14	/	/	SYM
easat-11367	259	15	td	td	PROPN
easat-11367	259	16	,	,	PUNCT
easat-11367	259	17	does	do	AUX
easat-11367	259	18	not	not	PART
easat-11367	259	19	affect	affect	VERB
easat-11367	259	20	roa	roa	PROPN
easat-11367	259	21	,	,	PUNCT
easat-11367	259	22	measured	measure	VERB
easat-11367	259	23	by	by	ADP
easat-11367	259	24	the	the	DET
easat-11367	259	25	portion	portion	NOUN
easat-11367	259	26	of	of	ADP
easat-11367	259	27	net	net	ADJ
easat-11367	259	28	profit	profit	NOUN
easat-11367	259	29	to	to	ADP
easat-11367	259	30	total	total	ADJ
easat-11367	259	31	assets	asset	NOUN
easat-11367	259	32	,	,	PUNCT
easat-11367	259	33	in	in	ADP
easat-11367	259	34	yemeni	yemeni	ADJ
easat-11367	259	35	banks	bank	NOUN
easat-11367	259	36	during	during	ADP
easat-11367	259	37	the	the	DET
easat-11367	259	38	short	short	ADJ
easat-11367	259	39	term	term	NOUN
easat-11367	259	40	.	.	PUNCT
easat-11367	260	1	however	however	ADV
easat-11367	260	2	,	,	PUNCT
easat-11367	260	3	this	this	DET
easat-11367	260	4	relationship	relationship	NOUN
easat-11367	260	5	becomes	become	VERB
easat-11367	260	6	positive	positive	ADJ
easat-11367	260	7	over	over	ADP
easat-11367	260	8	the	the	DET
easat-11367	260	9	long	long	ADJ
easat-11367	260	10	term	term	NOUN
easat-11367	260	11	.	.	PUNCT
easat-11367	261	1	more	more	ADV
easat-11367	261	2	specifically	specifically	ADV
easat-11367	261	3	,	,	PUNCT
easat-11367	261	4	a	a	DET
easat-11367	261	5	1	1	NUM
easat-11367	261	6	%	%	NOUN
easat-11367	261	7	increase	increase	NOUN
easat-11367	261	8	in	in	ADP
easat-11367	261	9	pdl	pdl	PROPN
easat-11367	261	10	/	/	SYM
easat-11367	261	11	tl	tl	PROPN
easat-11367	261	12	results	result	VERB
easat-11367	261	13	in	in	ADP
easat-11367	261	14	a	a	DET
easat-11367	261	15	3.3	3.3	NUM
easat-11367	261	16	%	%	NOUN
easat-11367	261	17	increase	increase	NOUN
easat-11367	261	18	in	in	ADP
easat-11367	261	19	the	the	DET
easat-11367	261	20	growth	growth	NOUN
easat-11367	261	21	of	of	ADP
easat-11367	261	22	roa	roa	NOUN
easat-11367	261	23	in	in	ADP
easat-11367	261	24	the	the	DET
easat-11367	261	25	long	long	ADJ
easat-11367	261	26	term	term	NOUN
easat-11367	261	27	.	.	PUNCT
easat-11367	262	1	likewise	likewise	ADV
easat-11367	262	2	,	,	PUNCT
easat-11367	262	3	a	a	DET
easat-11367	262	4	1	1	NUM
easat-11367	262	5	%	%	NOUN
easat-11367	262	6	increase	increase	NOUN
easat-11367	262	7	in	in	ADP
easat-11367	262	8	the	the	DET
easat-11367	262	9	tl	tl	PROPN
easat-11367	262	10	/	/	SYM
easat-11367	262	11	td	td	NOUN
easat-11367	262	12	ratio	ratio	NOUN
easat-11367	262	13	leads	lead	VERB
easat-11367	262	14	to	to	ADP
easat-11367	262	15	a	a	DET
easat-11367	262	16	1.3	1.3	NUM
easat-11367	262	17	%	%	NOUN
easat-11367	262	18	increase	increase	NOUN
easat-11367	262	19	in	in	ADP
easat-11367	262	20	the	the	DET
easat-11367	262	21	growth	growth	NOUN
easat-11367	262	22	of	of	ADP
easat-11367	262	23	roa	roa	NOUN
easat-11367	262	24	in	in	ADP
easat-11367	262	25	the	the	DET
easat-11367	262	26	long	long	ADJ
easat-11367	262	27	term	term	NOUN
easat-11367	262	28	.	.	PUNCT
easat-11367	263	1	the	the	DET
easat-11367	263	2	error	error	NOUN
easat-11367	263	3	correction	correction	NOUN
easat-11367	263	4	term	term	NOUN
easat-11367	263	5	,	,	PUNCT
easat-11367	263	6	which	which	PRON
easat-11367	263	7	corrects	correct	VERB
easat-11367	263	8	short	short	ADJ
easat-11367	263	9	-	-	PUNCT
easat-11367	263	10	term	term	NOUN
easat-11367	263	11	imbalances	imbalance	NOUN
easat-11367	263	12	to	to	PART
easat-11367	263	13	return	return	VERB
easat-11367	263	14	to	to	ADP
easat-11367	263	15	long	long	ADJ
easat-11367	263	16	-	-	PUNCT
easat-11367	263	17	term	term	NOUN
easat-11367	263	18	equilibrium	equilibrium	NOUN
easat-11367	263	19	,	,	PUNCT
easat-11367	263	20	is	be	AUX
easat-11367	263	21	negative	negative	ADJ
easat-11367	263	22	(	(	PUNCT
easat-11367	263	23	-0.4752459	-0.4752459	NOUN
easat-11367	263	24	)	)	PUNCT
easat-11367	263	25	,	,	PUNCT
easat-11367	263	26	with	with	ADP
easat-11367	263	27	a	a	DET
easat-11367	263	28	significance	significance	NOUN
easat-11367	263	29	level	level	NOUN
easat-11367	263	30	below	below	ADP
easat-11367	263	31	0.01	0.01	NUM
easat-11367	263	32	.	.	PUNCT
easat-11367	264	1	this	this	PRON
easat-11367	264	2	indicates	indicate	VERB
easat-11367	264	3	the	the	DET
easat-11367	264	4	presence	presence	NOUN
easat-11367	264	5	of	of	ADP
easat-11367	264	6	a	a	DET
easat-11367	264	7	long	long	ADJ
easat-11367	264	8	-	-	PUNCT
easat-11367	264	9	term	term	NOUN
easat-11367	264	10	balance	balance	NOUN
easat-11367	264	11	relationship	relationship	NOUN
easat-11367	264	12	between	between	ADP
easat-11367	264	13	the	the	DET
easat-11367	264	14	dependent	dependent	ADJ
easat-11367	264	15	variable	variable	ADJ
easat-11367	264	16	roa	roa	NOUN
easat-11367	264	17	and	and	CCONJ
easat-11367	264	18	the	the	DET
easat-11367	264	19	independent	independent	ADJ
easat-11367	264	20	variable	variable	NOUN
easat-11367	264	21	cr	cr	PROPN
easat-11367	264	22	in	in	ADP
easat-11367	264	23	the	the	DET
easat-11367	264	24	banks	bank	NOUN
easat-11367	264	25	investigated	investigate	VERB
easat-11367	264	26	in	in	ADP
easat-11367	264	27	this	this	DET
easat-11367	264	28	study	study	NOUN
easat-11367	264	29	.	.	PUNCT
easat-11367	265	1	the	the	DET
easat-11367	265	2	model	model	NOUN
easat-11367	265	3	includes	include	VERB
easat-11367	265	4	a	a	DET
easat-11367	265	5	correction	correction	NOUN
easat-11367	265	6	mechanism	mechanism	NOUN
easat-11367	265	7	for	for	ADP
easat-11367	265	8	short	short	ADJ
easat-11367	265	9	-	-	PUNCT
easat-11367	265	10	term	term	NOUN
easat-11367	265	11	imbalances	imbalance	NOUN
easat-11367	265	12	in	in	ADP
easat-11367	265	13	the	the	DET
easat-11367	265	14	independent	independent	ADJ
easat-11367	265	15	variable	variable	NOUN
easat-11367	265	16	,	,	PUNCT
easat-11367	265	17	with	with	ADP
easat-11367	265	18	a	a	DET
easat-11367	265	19	correction	correction	NOUN
easat-11367	265	20	speed	speed	NOUN
easat-11367	265	21	of	of	ADP
easat-11367	265	22	47.52	47.52	NUM
easat-11367	265	23	%	%	NOUN
easat-11367	265	24	,	,	PUNCT
easat-11367	265	25	indicating	indicate	VERB
easat-11367	265	26	that	that	SCONJ
easat-11367	265	27	any	any	DET
easat-11367	265	28	shortterm	shortterm	NOUN
easat-11367	265	29	deviations	deviation	NOUN
easat-11367	265	30	can	can	AUX
easat-11367	265	31	be	be	AUX
easat-11367	265	32	corrected	correct	VERB
easat-11367	265	33	within	within	ADP
easat-11367	265	34	approximately	approximately	ADV
easat-11367	265	35	two	two	NUM
easat-11367	265	36	years	year	NOUN
easat-11367	265	37	and	and	CCONJ
easat-11367	265	38	a	a	DET
easat-11367	265	39	quarter	quarter	NOUN
easat-11367	265	40	.	.	PUNCT
easat-11367	266	1	the	the	DET
easat-11367	266	2	lack	lack	NOUN
easat-11367	266	3	of	of	ADP
easat-11367	266	4	a	a	DET
easat-11367	266	5	relationship	relationship	NOUN
easat-11367	266	6	between	between	ADP
easat-11367	266	7	cr	cr	PROPN
easat-11367	266	8	and	and	CCONJ
easat-11367	266	9	roa	roa	PROPN
easat-11367	266	10	in	in	ADP
easat-11367	266	11	the	the	DET
easat-11367	266	12	short	short	ADJ
easat-11367	266	13	term	term	NOUN
easat-11367	266	14	may	may	AUX
easat-11367	266	15	be	be	AUX
easat-11367	266	16	because	because	SCONJ
easat-11367	266	17	banks	bank	NOUN
easat-11367	266	18	set	set	VERB
easat-11367	266	19	aside	aside	ADP
easat-11367	266	20	precautionary	precautionary	ADJ
easat-11367	266	21	provisions	provision	NOUN
easat-11367	266	22	to	to	PART
easat-11367	266	23	protect	protect	VERB
easat-11367	266	24	against	against	ADP
easat-11367	266	25	potential	potential	ADJ
easat-11367	266	26	loan	loan	NOUN
easat-11367	266	27	defaults	default	NOUN
easat-11367	266	28	,	,	PUNCT
easat-11367	266	29	which	which	PRON
easat-11367	266	30	can	can	AUX
easat-11367	266	31	obscure	obscure	VERB
easat-11367	266	32	the	the	DET
easat-11367	266	33	direct	direct	ADJ
easat-11367	266	34	relationship	relationship	NOUN
easat-11367	266	35	between	between	ADP
easat-11367	266	36	cr	cr	PROPN
easat-11367	266	37	and	and	CCONJ
easat-11367	266	38	roa	roa	PROPN
easat-11367	266	39	.	.	PUNCT
easat-11367	267	1	alternatively	alternatively	ADV
easat-11367	267	2	,	,	PUNCT
easat-11367	267	3	banks	bank	NOUN
easat-11367	267	4	may	may	AUX
easat-11367	267	5	maintain	maintain	VERB
easat-11367	267	6	reserve	reserve	NOUN
easat-11367	267	7	liquidity	liquidity	NOUN
easat-11367	267	8	,	,	PUNCT
easat-11367	267	9	allowing	allow	VERB
easat-11367	267	10	flexibility	flexibility	NOUN
easat-11367	267	11	in	in	ADP
easat-11367	267	12	handling	handle	VERB
easat-11367	267	13	emergencies	emergency	NOUN
easat-11367	267	14	without	without	ADP
easat-11367	267	15	significantly	significantly	ADV
easat-11367	267	16	impacting	impact	VERB
easat-11367	267	17	profits	profit	NOUN
easat-11367	267	18	.	.	PUNCT
easat-11367	268	1	another	another	DET
easat-11367	268	2	explanation	explanation	NOUN
easat-11367	268	3	could	could	AUX
easat-11367	268	4	be	be	AUX
easat-11367	268	5	that	that	SCONJ
easat-11367	268	6	banks	bank	NOUN
easat-11367	268	7	reschedule	reschedule	VERB
easat-11367	268	8	loans	loan	NOUN
easat-11367	268	9	and	and	CCONJ
easat-11367	268	10	adjust	adjust	VERB
easat-11367	268	11	terms	term	NOUN
easat-11367	268	12	to	to	PART
easat-11367	268	13	facilitate	facilitate	VERB
easat-11367	268	14	repayment	repayment	NOUN
easat-11367	268	15	,	,	PUNCT
easat-11367	268	16	postponing	postpone	VERB
easat-11367	268	17	the	the	DET
easat-11367	268	18	classification	classification	NOUN
easat-11367	268	19	of	of	ADP
easat-11367	268	20	loans	loan	NOUN
easat-11367	268	21	as	as	ADP
easat-11367	268	22	doubtful	doubtful	ADJ
easat-11367	268	23	,	,	PUNCT
easat-11367	268	24	and	and	CCONJ
easat-11367	268	25	thus	thus	ADV
easat-11367	268	26	not	not	PART
easat-11367	268	27	reflecting	reflect	VERB
easat-11367	268	28	defaulted	defaulted	ADJ
easat-11367	268	29	loans	loan	NOUN
easat-11367	268	30	as	as	ADP
easat-11367	268	31	losses	loss	NOUN
easat-11367	268	32	in	in	ADP
easat-11367	268	33	roa	roa	PROPN
easat-11367	268	34	.	.	PUNCT
easat-11367	269	1	conversely	conversely	ADV
easat-11367	269	2	,	,	PUNCT
easat-11367	269	3	the	the	DET
easat-11367	269	4	positive	positive	ADJ
easat-11367	269	5	relationship	relationship	NOUN
easat-11367	269	6	between	between	ADP
easat-11367	269	7	cr	cr	PROPN
easat-11367	269	8	and	and	CCONJ
easat-11367	269	9	roa	roa	PROPN
easat-11367	269	10	in	in	ADP
easat-11367	269	11	the	the	DET
easat-11367	269	12	long	long	ADJ
easat-11367	269	13	term	term	NOUN
easat-11367	269	14	may	may	AUX
easat-11367	269	15	be	be	AUX
easat-11367	269	16	attributed	attribute	VERB
easat-11367	269	17	to	to	ADP
easat-11367	269	18	banks	bank	NOUN
easat-11367	269	19	expanding	expand	VERB
easat-11367	269	20	their	their	PRON
easat-11367	269	21	loan	loan	NOUN
easat-11367	269	22	portfolios	portfolio	NOUN
easat-11367	269	23	while	while	SCONJ
easat-11367	269	24	increasing	increase	VERB
easat-11367	269	25	their	their	PRON
easat-11367	269	26	financial	financial	ADJ
easat-11367	269	27	provisions	provision	NOUN
easat-11367	269	28	to	to	PART
easat-11367	269	29	address	address	VERB
easat-11367	269	30	defaulted	defaulted	ADJ
easat-11367	269	31	loans	loan	NOUN
easat-11367	269	32	.	.	PUNCT
easat-11367	270	1	this	this	DET
easat-11367	270	2	approach	approach	NOUN
easat-11367	270	3	enhances	enhance	VERB
easat-11367	270	4	investor	investor	NOUN
easat-11367	270	5	confidence	confidence	NOUN
easat-11367	270	6	,	,	PUNCT
easat-11367	270	7	demonstrating	demonstrate	VERB
easat-11367	270	8	that	that	SCONJ
easat-11367	270	9	banks	bank	NOUN
easat-11367	270	10	proactively	proactively	ADV
easat-11367	270	11	manage	manage	VERB
easat-11367	270	12	cr	cr	NOUN
easat-11367	270	13	and	and	CCONJ
easat-11367	270	14	improve	improve	VERB
easat-11367	270	15	their	their	PRON
easat-11367	270	16	asset	asset	NOUN
easat-11367	270	17	quality	quality	NOUN
easat-11367	270	18	.	.	PUNCT
easat-11367	271	1	therefore	therefore	ADV
easat-11367	271	2	,	,	PUNCT
easat-11367	271	3	this	this	DET
easat-11367	271	4	study	study	NOUN
easat-11367	271	5	recommends	recommend	VERB
easat-11367	271	6	that	that	SCONJ
easat-11367	271	7	yemeni	yemeni	ADJ
easat-11367	271	8	banks	bank	NOUN
easat-11367	271	9	focus	focus	VERB
easat-11367	271	10	on	on	ADP
easat-11367	271	11	developing	develop	VERB
easat-11367	271	12	effective	effective	ADJ
easat-11367	271	13	strategies	strategy	NOUN
easat-11367	271	14	and	and	CCONJ
easat-11367	271	15	policies	policy	NOUN
easat-11367	271	16	to	to	PART
easat-11367	271	17	manage	manage	VERB
easat-11367	271	18	credit	credit	NOUN
easat-11367	271	19	risk	risk	NOUN
easat-11367	271	20	(	(	PUNCT
easat-11367	271	21	cr	cr	NOUN
easat-11367	271	22	)	)	PUNCT
easat-11367	271	23	and	and	CCONJ
easat-11367	271	24	reduce	reduce	VERB
easat-11367	271	25	non	non	ADJ
easat-11367	271	26	-	-	ADJ
easat-11367	271	27	performing	performing	ADJ
easat-11367	271	28	loans	loan	NOUN
easat-11367	271	29	(	(	PUNCT
easat-11367	271	30	npls	npls	NOUN
easat-11367	271	31	)	)	PUNCT
easat-11367	271	32	.	.	PUNCT
easat-11367	272	1	they	they	PRON
easat-11367	272	2	should	should	AUX
easat-11367	272	3	analyze	analyze	VERB
easat-11367	272	4	clients	client	NOUN
easat-11367	272	5	'	'	PART
easat-11367	272	6	repayment	repayment	NOUN
easat-11367	272	7	capabilities	capability	NOUN
easat-11367	272	8	to	to	PART
easat-11367	272	9	direct	direct	VERB
easat-11367	272	10	lending	lending	NOUN
easat-11367	272	11	to	to	ADP
easat-11367	272	12	those	those	PRON
easat-11367	272	13	most	most	ADV
easat-11367	272	14	likely	likely	ADJ
easat-11367	272	15	to	to	PART
easat-11367	272	16	repay	repay	VERB
easat-11367	272	17	,	,	PUNCT
easat-11367	272	18	exercise	exercise	VERB
easat-11367	272	19	caution	caution	NOUN
easat-11367	272	20	against	against	ADP
easat-11367	272	21	excessive	excessive	ADJ
easat-11367	272	22	loan	loan	NOUN
easat-11367	272	23	expansion	expansion	NOUN
easat-11367	272	24	to	to	PART
easat-11367	272	25	maintain	maintain	VERB
easat-11367	272	26	portfolio	portfolio	NOUN
easat-11367	272	27	quality	quality	NOUN
easat-11367	272	28	,	,	PUNCT
easat-11367	272	29	and	and	CCONJ
easat-11367	272	30	develop	develop	VERB
easat-11367	272	31	effective	effective	ADJ
easat-11367	272	32	monitoring	monitoring	NOUN
easat-11367	272	33	tools	tool	NOUN
easat-11367	272	34	for	for	ADP
easat-11367	272	35	the	the	DET
easat-11367	272	36	early	early	ADJ
easat-11367	272	37	identification	identification	NOUN
easat-11367	272	38	of	of	ADP
easat-11367	272	39	npls	npls	NOUN
easat-11367	272	40	.	.	PUNCT
easat-11367	273	1	additionally	additionally	ADV
easat-11367	273	2	,	,	PUNCT
easat-11367	273	3	banks	bank	NOUN
easat-11367	273	4	should	should	AUX
easat-11367	273	5	oversee	oversee	VERB
easat-11367	273	6	the	the	DET
easat-11367	273	7	mechanisms	mechanism	NOUN
easat-11367	273	8	and	and	CCONJ
easat-11367	273	9	conditions	condition	NOUN
easat-11367	273	10	under	under	ADP
easat-11367	273	11	which	which	PRON
easat-11367	273	12	loans	loan	NOUN
easat-11367	273	13	are	be	AUX
easat-11367	273	14	granted	grant	VERB
easat-11367	273	15	,	,	PUNCT
easat-11367	273	16	focus	focus	VERB
easat-11367	273	17	on	on	ADP
easat-11367	273	18	structural	structural	ADJ
easat-11367	273	19	indicators	indicator	NOUN
easat-11367	273	20	and	and	CCONJ
easat-11367	273	21	financial	financial	ADJ
easat-11367	273	22	policies	policy	NOUN
easat-11367	273	23	,	,	PUNCT
easat-11367	273	24	such	such	ADJ
easat-11367	273	25	as	as	ADP
easat-11367	273	26	diversifying	diversify	VERB
easat-11367	273	27	the	the	DET
easat-11367	273	28	credit	credit	NOUN
easat-11367	273	29	portfolio	portfolio	NOUN
easat-11367	273	30	by	by	ADP
easat-11367	273	31	directing	direct	VERB
easat-11367	273	32	loans	loan	NOUN
easat-11367	273	33	to	to	ADP
easat-11367	273	34	various	various	ADJ
easat-11367	273	35	economic	economic	ADJ
easat-11367	273	36	sectors	sector	NOUN
easat-11367	273	37	to	to	PART
easat-11367	273	38	reduce	reduce	VERB
easat-11367	273	39	risks	risk	NOUN
easat-11367	273	40	associated	associate	VERB
easat-11367	273	41	with	with	ADP
easat-11367	273	42	concentrating	concentrate	VERB
easat-11367	273	43	loans	loan	NOUN
easat-11367	273	44	in	in	ADP
easat-11367	273	45	a	a	DET
easat-11367	273	46	single	single	ADJ
easat-11367	273	47	sector	sector	NOUN
easat-11367	273	48	,	,	PUNCT
easat-11367	273	49	which	which	PRON
easat-11367	273	50	affects	affect	VERB
easat-11367	273	51	return	return	NOUN
easat-11367	273	52	on	on	ADP
easat-11367	273	53	assets	asset	NOUN
easat-11367	273	54	(	(	PUNCT
easat-11367	273	55	roa	roa	NOUN
easat-11367	273	56	)	)	PUNCT
easat-11367	273	57	in	in	ADP
easat-11367	273	58	the	the	DET
easat-11367	273	59	long	long	ADJ
easat-11367	273	60	term	term	NOUN
easat-11367	273	61	,	,	PUNCT
easat-11367	273	62	and	and	CCONJ
easat-11367	273	63	conduct	conduct	VERB
easat-11367	273	64	regular	regular	ADJ
easat-11367	273	65	loan	loan	NOUN
easat-11367	273	66	evaluations	evaluation	NOUN
easat-11367	273	67	to	to	PART
easat-11367	273	68	assess	assess	VERB
easat-11367	273	69	creditworthiness	creditworthiness	NOUN
easat-11367	273	70	and	and	CCONJ
easat-11367	273	71	mitigate	mitigate	VERB
easat-11367	273	72	potential	potential	ADJ
easat-11367	273	73	risks	risk	NOUN
easat-11367	273	74	.	.	PUNCT
easat-11367	274	1	finally	finally	ADV
easat-11367	274	2	,	,	PUNCT
easat-11367	274	3	yemeni	yemeni	ADJ
easat-11367	274	4	banks	bank	NOUN
easat-11367	274	5	should	should	AUX
easat-11367	274	6	enhance	enhance	VERB
easat-11367	274	7	customer	customer	NOUN
easat-11367	274	8	trust	trust	NOUN
easat-11367	274	9	and	and	CCONJ
easat-11367	274	10	encourage	encourage	VERB
easat-11367	274	11	deposits	deposit	NOUN
easat-11367	274	12	,	,	PUNCT
easat-11367	274	13	thereby	thereby	ADV
easat-11367	274	14	reducing	reduce	VERB
easat-11367	274	15	reliance	reliance	NOUN
easat-11367	274	16	on	on	ADP
easat-11367	274	17	high	high	ADJ
easat-11367	274	18	-	-	PUNCT
easat-11367	274	19	cost	cost	NOUN
easat-11367	274	20	short	short	ADJ
easat-11367	274	21	-	-	PUNCT
easat-11367	274	22	term	term	NOUN
easat-11367	274	23	financing	financing	NOUN
easat-11367	274	24	.	.	PUNCT
easat-11367	275	1	the	the	DET
easat-11367	275	2	results	result	NOUN
easat-11367	275	3	of	of	ADP
easat-11367	275	4	this	this	DET
easat-11367	275	5	study	study	NOUN
easat-11367	275	6	align	align	VERB
easat-11367	275	7	with	with	ADP
easat-11367	275	8	those	those	PRON
easat-11367	275	9	of	of	ADP
easat-11367	275	10	kolapo	kolapo	PROPN
easat-11367	275	11	et	et	PROPN
easat-11367	275	12	al	al	PROPN
easat-11367	275	13	.	.	PUNCT
easat-11367	276	1	[	[	X
easat-11367	276	2	12	12	NUM
easat-11367	276	3	]	]	PUNCT
easat-11367	276	4	,	,	PUNCT
easat-11367	276	5	tirwa	tirwa	NOUN
easat-11367	276	6	et	et	NOUN
easat-11367	276	7	al	al	PROPN
easat-11367	276	8	.	.	PUNCT
easat-11367	277	1	[	[	X
easat-11367	277	2	13	13	NUM
easat-11367	277	3	]	]	PUNCT
easat-11367	277	4	,	,	PUNCT
easat-11367	277	5	hawaldar	hawaldar	VERB
easat-11367	277	6	et	et	PROPN
easat-11367	277	7	al	al	PROPN
easat-11367	277	8	.	.	PUNCT
easat-11367	278	1	[	[	X
easat-11367	278	2	14	14	NUM
easat-11367	278	3	]	]	PUNCT
easat-11367	278	4	,	,	PUNCT
easat-11367	278	5	isanzu	isanzu	NOUN
easat-11367	278	6	[	[	X
easat-11367	278	7	15	15	NUM
easat-11367	278	8	]	]	PUNCT
easat-11367	278	9	,	,	PUNCT
easat-11367	278	10	and	and	CCONJ
easat-11367	278	11	afriyie	afriyie	ADV
easat-11367	278	12	and	and	CCONJ
easat-11367	278	13	akotey	akotey	ADJ
easat-11367	279	1	[	[	X
easat-11367	279	2	16	16	NUM
easat-11367	279	3	]	]	PUNCT
easat-11367	279	4	.	.	PUNCT
easat-11367	280	1	transparency	transparency	NOUN
easat-11367	280	2	:	:	PUNCT
easat-11367	280	3	the	the	DET
easat-11367	280	4	authors	author	NOUN
easat-11367	280	5	confirm	confirm	VERB
easat-11367	280	6	that	that	SCONJ
easat-11367	280	7	the	the	DET
easat-11367	280	8	manuscript	manuscript	NOUN
easat-11367	280	9	is	be	AUX
easat-11367	280	10	an	an	DET
easat-11367	280	11	honest	honest	ADJ
easat-11367	280	12	,	,	PUNCT
easat-11367	280	13	accurate	accurate	ADJ
easat-11367	280	14	,	,	PUNCT
easat-11367	280	15	and	and	CCONJ
easat-11367	280	16	transparent	transparent	ADJ
easat-11367	280	17	account	account	NOUN
easat-11367	280	18	of	of	ADP
easat-11367	280	19	the	the	DET
easat-11367	280	20	study	study	NOUN
easat-11367	280	21	;	;	PUNCT
easat-11367	280	22	that	that	SCONJ
easat-11367	280	23	no	no	DET
easat-11367	280	24	vital	vital	ADJ
easat-11367	280	25	features	feature	NOUN
easat-11367	280	26	of	of	ADP
easat-11367	280	27	the	the	DET
easat-11367	280	28	study	study	NOUN
easat-11367	280	29	have	have	AUX
easat-11367	280	30	been	be	AUX
easat-11367	280	31	omitted	omit	VERB
easat-11367	280	32	;	;	PUNCT
easat-11367	280	33	and	and	CCONJ
easat-11367	280	34	that	that	SCONJ
easat-11367	280	35	any	any	DET
easat-11367	280	36	discrepancies	discrepancy	NOUN
easat-11367	280	37	from	from	ADP
easat-11367	280	38	the	the	DET
easat-11367	280	39	study	study	NOUN
easat-11367	280	40	as	as	SCONJ
easat-11367	280	41	planned	plan	VERB
easat-11367	280	42	have	have	AUX
easat-11367	280	43	been	be	AUX
easat-11367	280	44	explained	explain	VERB
easat-11367	280	45	.	.	PUNCT
easat-11367	281	1	this	this	DET
easat-11367	281	2	study	study	NOUN
easat-11367	281	3	followed	follow	VERB
easat-11367	281	4	all	all	DET
easat-11367	281	5	ethical	ethical	ADJ
easat-11367	281	6	practices	practice	NOUN
easat-11367	281	7	during	during	ADP
easat-11367	281	8	writing	writing	NOUN
easat-11367	281	9	.	.	PUNCT
easat-11367	282	1	copyright	copyright	NOUN
easat-11367	282	2	:	:	PUNCT
easat-11367	282	3	©	©	PROPN
easat-11367	282	4	2025	2025	NUM
easat-11367	282	5	by	by	ADP
easat-11367	282	6	the	the	DET
easat-11367	282	7	authors	author	NOUN
easat-11367	282	8	.	.	PUNCT
easat-11367	283	1	this	this	DET
easat-11367	283	2	article	article	NOUN
easat-11367	283	3	is	be	AUX
easat-11367	283	4	an	an	DET
easat-11367	283	5	open	open	ADJ
easat-11367	283	6	-	-	PUNCT
easat-11367	283	7	access	access	NOUN
easat-11367	283	8	article	article	NOUN
easat-11367	283	9	distributed	distribute	VERB
easat-11367	283	10	under	under	ADP
easat-11367	283	11	the	the	DET
easat-11367	283	12	terms	term	NOUN
easat-11367	283	13	and	and	CCONJ
easat-11367	283	14	conditions	condition	NOUN
easat-11367	283	15	of	of	ADP
easat-11367	283	16	the	the	DET
easat-11367	283	17	creative	creative	ADJ
easat-11367	283	18	commons	common	NOUN
easat-11367	283	19	attribution	attribution	NOUN
easat-11367	283	20	(	(	PUNCT
easat-11367	283	21	cc	cc	NOUN
easat-11367	283	22	by	by	ADP
easat-11367	283	23	)	)	PUNCT
easat-11367	283	24	license	license	NOUN
easat-11367	283	25	(	(	PUNCT
easat-11367	283	26	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-11367	283	27	)	)	PUNCT
easat-11367	283	28	.	.	PUNCT
easat-11367	284	1	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-11367	284	2	361	361	NUM
easat-11367	284	3	edelweiss	edelweiss	PROPN
easat-11367	284	4	applied	apply	VERB
easat-11367	284	5	science	science	NOUN
easat-11367	284	6	and	and	CCONJ
easat-11367	284	7	technology	technology	NOUN
easat-11367	284	8	issn	issn	PROPN
easat-11367	284	9	:	:	PUNCT
easat-11367	284	10	2576	2576	NUM
easat-11367	284	11	-	-	SYM
easat-11367	284	12	8484	8484	NUM
easat-11367	284	13	vol	vol	NOUN
easat-11367	284	14	.	.	PROPN
easat-11367	285	1	9	9	NUM
easat-11367	285	2	,	,	PUNCT
easat-11367	285	3	no	no	INTJ
easat-11367	285	4	.	.	NOUN
easat-11367	285	5	12	12	NUM
easat-11367	285	6	:	:	PUNCT
easat-11367	285	7	351	351	NUM
easat-11367	285	8	-	-	SYM
easat-11367	285	9	363	363	NUM
easat-11367	285	10	,	,	PUNCT
easat-11367	285	11	2025	2025	NUM
easat-11367	285	12	doi	doi	NOUN
easat-11367	285	13	:	:	PUNCT
easat-11367	285	14	10.55214/2576	10.55214/2576	NUM
easat-11367	285	15	-	-	SYM
easat-11367	285	16	8484.v9i12.11367	8484.v9i12.11367	NUM
easat-11367	286	1	©	©	PROPN
easat-11367	286	2	2025	2025	NUM
easat-11367	286	3	by	by	ADP
easat-11367	286	4	the	the	DET
easat-11367	286	5	authors	author	NOUN
easat-11367	286	6	;	;	PUNCT
easat-11367	286	7	licensee	licensee	PROPN
easat-11367	286	8	learning	learn	VERB
easat-11367	286	9	gate	gate	NOUN
easat-11367	286	10	references	reference	NOUN
easat-11367	286	11	[	[	X
easat-11367	286	12	1	1	NUM
easat-11367	286	13	]	]	PUNCT
easat-11367	286	14	h.	h.	PROPN
easat-11367	286	15	s.	s.	PROPN
easat-11367	286	16	kargi	kargi	PROPN
easat-11367	286	17	,	,	PUNCT
easat-11367	286	18	credit	credit	NOUN
easat-11367	286	19	risk	risk	NOUN
easat-11367	286	20	and	and	CCONJ
easat-11367	286	21	the	the	DET
easat-11367	286	22	performance	performance	NOUN
easat-11367	286	23	of	of	ADP
easat-11367	286	24	nigerian	nigerian	ADJ
easat-11367	286	25	banks	bank	NOUN
easat-11367	286	26	.	.	PUNCT
easat-11367	287	1	zaria	zaria	PROPN
easat-11367	287	2	,	,	PUNCT
easat-11367	287	3	nigeria	nigeria	PRON
easat-11367	287	4	:	:	PUNCT
easat-11367	287	5	ahmadu	ahmadu	PROPN
easat-11367	287	6	bello	bello	PROPN
easat-11367	287	7	university	university	NOUN
easat-11367	287	8	,	,	PUNCT
easat-11367	287	9	2011	2011	NUM
easat-11367	287	10	.	.	PUNCT
easat-11367	288	1	[	[	X
easat-11367	288	2	2	2	X
easat-11367	288	3	]	]	PUNCT
easat-11367	288	4	v.	v.	CCONJ
easat-11367	288	5	rivai	rivai	ADJ
easat-11367	288	6	,	,	PUNCT
easat-11367	288	7	a.	a.	NOUN
easat-11367	288	8	p.	p.	PROPN
easat-11367	288	9	veithzal	veithzal	NOUN
easat-11367	288	10	,	,	PUNCT
easat-11367	288	11	and	and	CCONJ
easat-11367	288	12	n.	n.	PROPN
easat-11367	288	13	i.	i.	PROPN
easat-11367	288	14	ferry	ferry	PROPN
easat-11367	288	15	,	,	PUNCT
easat-11367	288	16	bank	bank	NOUN
easat-11367	288	17	and	and	CCONJ
easat-11367	288	18	financial	financial	ADJ
easat-11367	288	19	institution	institution	NOUN
easat-11367	288	20	management	management	NOUN
easat-11367	288	21	:	:	PUNCT
easat-11367	288	22	conventional	conventional	ADJ
easat-11367	288	23	and	and	CCONJ
easat-11367	288	24	sharia	sharia	PROPN
easat-11367	288	25	systems	system	NOUN
easat-11367	288	26	.	.	PUNCT
easat-11367	289	1	jakarta	jakarta	PROPN
easat-11367	289	2	,	,	PUNCT
easat-11367	289	3	indonesia	indonesia	PROPN
easat-11367	289	4	:	:	PUNCT
easat-11367	289	5	pt	pt	PROPN
easat-11367	289	6	rajagrafindo	rajagrafindo	PROPN
easat-11367	289	7	persada	persada	PROPN
easat-11367	289	8	,	,	PUNCT
easat-11367	289	9	2007	2007	NUM
easat-11367	289	10	.	.	PUNCT
easat-11367	290	1	[	[	X
easat-11367	290	2	3	3	X
easat-11367	290	3	]	]	X
easat-11367	290	4	i.	i.	NOUN
easat-11367	290	5	saleh	saleh	PROPN
easat-11367	290	6	and	and	CCONJ
easat-11367	290	7	m.	m.	PROPN
easat-11367	290	8	abu	abu	PROPN
easat-11367	290	9	afifa	afifa	PROPN
easat-11367	290	10	,	,	PUNCT
easat-11367	290	11	"	"	PUNCT
easat-11367	290	12	the	the	DET
easat-11367	290	13	effect	effect	NOUN
easat-11367	290	14	of	of	ADP
easat-11367	290	15	credit	credit	NOUN
easat-11367	290	16	risk	risk	NOUN
easat-11367	290	17	,	,	PUNCT
easat-11367	290	18	liquidity	liquidity	NOUN
easat-11367	290	19	risk	risk	NOUN
easat-11367	290	20	and	and	CCONJ
easat-11367	290	21	bank	bank	NOUN
easat-11367	290	22	capital	capital	NOUN
easat-11367	290	23	on	on	ADP
easat-11367	290	24	bank	bank	NOUN
easat-11367	290	25	profitability	profitability	NOUN
easat-11367	290	26	:	:	PUNCT
easat-11367	290	27	evidence	evidence	NOUN
easat-11367	290	28	from	from	ADP
easat-11367	290	29	an	an	DET
easat-11367	290	30	emerging	emerge	VERB
easat-11367	290	31	market	market	NOUN
easat-11367	290	32	,	,	PUNCT
easat-11367	290	33	"	"	PUNCT
easat-11367	290	34	cogent	cogent	NOUN
easat-11367	290	35	economics	economic	NOUN
easat-11367	290	36	&	&	CCONJ
easat-11367	290	37	finance	finance	PROPN
easat-11367	290	38	,	,	PUNCT
easat-11367	290	39	vol	vol	NOUN
easat-11367	290	40	.	.	PROPN
easat-11367	290	41	8	8	NUM
easat-11367	290	42	,	,	PUNCT
easat-11367	290	43	no	no	INTJ
easat-11367	290	44	.	.	NOUN
easat-11367	290	45	1	1	NUM
easat-11367	290	46	,	,	PUNCT
easat-11367	290	47	p.	p.	NOUN
easat-11367	290	48	1814509	1814509	NUM
easat-11367	290	49	,	,	PUNCT
easat-11367	290	50	2020	2020	NUM
easat-11367	290	51	.	.	PUNCT
easat-11367	291	1	https://doi.org/10.1080/23322039.2020.1814509	https://doi.org/10.1080/23322039.2020.1814509	VERB
easat-11367	292	1	[	[	X
easat-11367	292	2	4	4	NUM
easat-11367	292	3	]	]	X
easat-11367	292	4	f.	f.	PROPN
easat-11367	292	5	abbas	abbas	PROPN
easat-11367	292	6	,	,	PUNCT
easat-11367	292	7	s.	s.	PROPN
easat-11367	292	8	iqbal	iqbal	PROPN
easat-11367	292	9	,	,	PUNCT
easat-11367	292	10	and	and	CCONJ
easat-11367	292	11	b.	b.	PROPN
easat-11367	292	12	aziz	aziz	PROPN
easat-11367	292	13	,	,	PUNCT
easat-11367	292	14	"	"	PUNCT
easat-11367	292	15	the	the	DET
easat-11367	292	16	impact	impact	NOUN
easat-11367	292	17	of	of	ADP
easat-11367	292	18	bank	bank	NOUN
easat-11367	292	19	capital	capital	NOUN
easat-11367	292	20	,	,	PUNCT
easat-11367	292	21	bank	bank	NOUN
easat-11367	292	22	liquidity	liquidity	NOUN
easat-11367	292	23	and	and	CCONJ
easat-11367	292	24	credit	credit	NOUN
easat-11367	292	25	risk	risk	NOUN
easat-11367	292	26	on	on	ADP
easat-11367	292	27	profitability	profitability	NOUN
easat-11367	292	28	in	in	ADP
easat-11367	292	29	postcrisis	postcrisis	NOUN
easat-11367	292	30	period	period	NOUN
easat-11367	292	31	:	:	PUNCT
easat-11367	292	32	a	a	DET
easat-11367	292	33	comparative	comparative	ADJ
easat-11367	292	34	study	study	NOUN
easat-11367	292	35	of	of	ADP
easat-11367	292	36	us	we	PRON
easat-11367	292	37	and	and	CCONJ
easat-11367	292	38	asia	asia	PROPN
easat-11367	292	39	,	,	PUNCT
easat-11367	292	40	"	"	PUNCT
easat-11367	292	41	cogent	cogent	NOUN
easat-11367	292	42	economics	economic	NOUN
easat-11367	292	43	&	&	CCONJ
easat-11367	292	44	finance	finance	PROPN
easat-11367	292	45	,	,	PUNCT
easat-11367	292	46	vol	vol	NOUN
easat-11367	292	47	.	.	PROPN
easat-11367	292	48	7	7	NUM
easat-11367	292	49	,	,	PUNCT
easat-11367	292	50	no	no	INTJ
easat-11367	292	51	.	.	NOUN
easat-11367	292	52	1	1	NUM
easat-11367	292	53	,	,	PUNCT
easat-11367	292	54	p.	p.	NOUN
easat-11367	292	55	1605683	1605683	NUM
easat-11367	292	56	,	,	PUNCT
easat-11367	292	57	2019	2019	NUM
easat-11367	292	58	.	.	PUNCT
easat-11367	293	1	https://doi.org/10.1080/23322039.2019.1605683	https://doi.org/10.1080/23322039.2019.1605683	NOUN
easat-11367	294	1	[	[	X
easat-11367	294	2	5	5	X
easat-11367	294	3	]	]	PUNCT
easat-11367	294	4	h.	h.	PROPN
easat-11367	294	5	pasaribu	pasaribu	PROPN
easat-11367	294	6	and	and	CCONJ
easat-11367	294	7	r.	r.	PROPN
easat-11367	294	8	l.	l.	PROPN
easat-11367	294	9	sari	sari	PROPN
easat-11367	294	10	,	,	PUNCT
easat-11367	294	11	"	"	PUNCT
easat-11367	294	12	analysis	analysis	NOUN
easat-11367	294	13	of	of	ADP
easat-11367	294	14	capital	capital	NOUN
easat-11367	294	15	adequacy	adequacy	NOUN
easat-11367	294	16	level	level	NOUN
easat-11367	294	17	and	and	CCONJ
easat-11367	294	18	loan	loan	NOUN
easat-11367	294	19	to	to	PART
easat-11367	294	20	deposit	deposit	VERB
easat-11367	294	21	ratio	ratio	NOUN
easat-11367	294	22	on	on	ADP
easat-11367	294	23	profitability	profitability	NOUN
easat-11367	294	24	,	,	PUNCT
easat-11367	294	25	"	"	PUNCT
easat-11367	294	26	jurnal	jurnal	ADJ
easat-11367	294	27	telaah	telaah	PROPN
easat-11367	294	28	dan	dan	PROPN
easat-11367	294	29	riset	riset	PROPN
easat-11367	294	30	akuntansi	akuntansi	PROPN
easat-11367	294	31	,	,	PUNCT
easat-11367	294	32	vol	vol	NOUN
easat-11367	294	33	.	.	PROPN
easat-11367	294	34	8	8	NUM
easat-11367	294	35	,	,	PUNCT
easat-11367	294	36	no	no	INTJ
easat-11367	294	37	.	.	NOUN
easat-11367	294	38	1	1	NUM
easat-11367	294	39	,	,	PUNCT
easat-11367	294	40	pp	pp	ADJ
easat-11367	294	41	.	.	PUNCT
easat-11367	295	1	9	9	NUM
easat-11367	295	2	-	-	SYM
easat-11367	295	3	18	18	NUM
easat-11367	295	4	,	,	PUNCT
easat-11367	295	5	2011	2011	NUM
easat-11367	295	6	.	.	PUNCT
easat-11367	296	1	[	[	X
easat-11367	296	2	6	6	NUM
easat-11367	296	3	]	]	PUNCT
easat-11367	296	4	s.	s.	PROPN
easat-11367	296	5	h.	h.	PROPN
easat-11367	296	6	boahene	boahene	PROPN
easat-11367	296	7	,	,	PUNCT
easat-11367	296	8	j.	j.	PROPN
easat-11367	296	9	dasah	dasah	PROPN
easat-11367	296	10	,	,	PUNCT
easat-11367	296	11	and	and	CCONJ
easat-11367	296	12	s.	s.	PROPN
easat-11367	296	13	k.	k.	PROPN
easat-11367	296	14	agyei	agyei	PROPN
easat-11367	296	15	,	,	PUNCT
easat-11367	296	16	"	"	PUNCT
easat-11367	296	17	credit	credit	NOUN
easat-11367	296	18	risk	risk	NOUN
easat-11367	296	19	and	and	CCONJ
easat-11367	296	20	profitability	profitability	NOUN
easat-11367	296	21	of	of	ADP
easat-11367	296	22	selected	select	VERB
easat-11367	296	23	banks	bank	NOUN
easat-11367	296	24	in	in	ADP
easat-11367	296	25	ghana	ghana	PROPN
easat-11367	296	26	,	,	PUNCT
easat-11367	296	27	"	"	PUNCT
easat-11367	296	28	research	research	NOUN
easat-11367	296	29	journal	journal	NOUN
easat-11367	296	30	of	of	ADP
easat-11367	296	31	finance	finance	NOUN
easat-11367	296	32	and	and	CCONJ
easat-11367	296	33	accounting	accounting	NOUN
easat-11367	296	34	,	,	PUNCT
easat-11367	296	35	vol	vol	NOUN
easat-11367	296	36	.	.	PROPN
easat-11367	297	1	3	3	NUM
easat-11367	297	2	,	,	PUNCT
easat-11367	297	3	no	no	INTJ
easat-11367	297	4	.	.	NOUN
easat-11367	297	5	7	7	NUM
easat-11367	297	6	,	,	PUNCT
easat-11367	297	7	pp	pp	ADJ
easat-11367	297	8	.	.	PUNCT
easat-11367	298	1	6	6	NUM
easat-11367	298	2	-	-	SYM
easat-11367	298	3	14	14	NUM
easat-11367	298	4	,	,	PUNCT
easat-11367	298	5	2012	2012	NUM
easat-11367	298	6	.	.	PUNCT
easat-11367	299	1	[	[	X
easat-11367	299	2	7	7	X
easat-11367	299	3	]	]	PUNCT
easat-11367	299	4	k.	k.	PROPN
easat-11367	299	5	chen	chen	PROPN
easat-11367	299	6	and	and	CCONJ
easat-11367	299	7	c.	c.	PROPN
easat-11367	299	8	pan	pan	PROPN
easat-11367	299	9	,	,	PUNCT
easat-11367	299	10	"	"	PUNCT
easat-11367	299	11	an	an	DET
easat-11367	299	12	empirical	empirical	ADJ
easat-11367	299	13	study	study	NOUN
easat-11367	299	14	of	of	ADP
easat-11367	299	15	credit	credit	NOUN
easat-11367	299	16	risk	risk	NOUN
easat-11367	299	17	efficiency	efficiency	NOUN
easat-11367	299	18	of	of	ADP
easat-11367	299	19	banking	banking	NOUN
easat-11367	299	20	industry	industry	NOUN
easat-11367	299	21	in	in	ADP
easat-11367	299	22	taiwan	taiwan	PROPN
easat-11367	299	23	,	,	PUNCT
easat-11367	299	24	"	"	PUNCT
easat-11367	299	25	web	web	NOUN
easat-11367	299	26	journal	journal	NOUN
easat-11367	299	27	of	of	ADP
easat-11367	299	28	chinese	chinese	PROPN
easat-11367	299	29	management	management	PROPN
easat-11367	299	30	review	review	PROPN
easat-11367	299	31	,	,	PUNCT
easat-11367	299	32	vol	vol	NOUN
easat-11367	299	33	.	.	PROPN
easat-11367	299	34	15	15	NUM
easat-11367	299	35	,	,	PUNCT
easat-11367	299	36	no	no	INTJ
easat-11367	299	37	.	.	NOUN
easat-11367	299	38	1	1	NUM
easat-11367	299	39	,	,	PUNCT
easat-11367	299	40	pp	pp	ADJ
easat-11367	299	41	.	.	PUNCT
easat-11367	300	1	1	1	NUM
easat-11367	300	2	-	-	SYM
easat-11367	300	3	16	16	NUM
easat-11367	300	4	,	,	PUNCT
easat-11367	300	5	2012	2012	NUM
easat-11367	300	6	.	.	PUNCT
easat-11367	301	1	[	[	X
easat-11367	301	2	8	8	NUM
easat-11367	301	3	]	]	PUNCT
easat-11367	301	4	the	the	DET
easat-11367	301	5	basel	basel	PROPN
easat-11367	301	6	committee	committee	PROPN
easat-11367	301	7	on	on	ADP
easat-11367	301	8	banking	banking	NOUN
easat-11367	301	9	supervision	supervision	NOUN
easat-11367	301	10	,	,	PUNCT
easat-11367	301	11	principles	principle	NOUN
easat-11367	301	12	for	for	ADP
easat-11367	301	13	the	the	DET
easat-11367	301	14	management	management	NOUN
easat-11367	301	15	of	of	ADP
easat-11367	301	16	credit	credit	NOUN
easat-11367	301	17	risk	risk	NOUN
easat-11367	301	18	.	.	PUNCT
easat-11367	302	1	basel	basel	PROPN
easat-11367	302	2	,	,	PUNCT
easat-11367	302	3	switzerland	switzerland	PROPN
easat-11367	302	4	:	:	PUNCT
easat-11367	302	5	bank	bank	PROPN
easat-11367	302	6	for	for	ADP
easat-11367	302	7	international	international	ADJ
easat-11367	302	8	settlements	settlement	NOUN
easat-11367	302	9	,	,	PUNCT
easat-11367	302	10	2000	2000	NUM
easat-11367	302	11	.	.	PUNCT
easat-11367	303	1	[	[	X
easat-11367	303	2	9	9	NUM
easat-11367	303	3	]	]	PUNCT
easat-11367	303	4	m.	m.	NOUN
easat-11367	303	5	y.	y.	PROPN
easat-11367	303	6	abubakar	abubakar	PROPN
easat-11367	303	7	,	,	PUNCT
easat-11367	303	8	y.	y.	PROPN
easat-11367	303	9	shaba	shaba	PROPN
easat-11367	303	10	,	,	PUNCT
easat-11367	303	11	m.	m.	NOUN
easat-11367	303	12	o.	o.	PROPN
easat-11367	303	13	ezeji	ezeji	PROPN
easat-11367	303	14	,	,	PUNCT
easat-11367	303	15	and	and	CCONJ
easat-11367	303	16	s.	s.	PROPN
easat-11367	303	17	s.	s.	PROPN
easat-11367	303	18	a.	a.	PROPN
easat-11367	303	19	ahmad	ahmad	PROPN
easat-11367	303	20	,	,	PUNCT
easat-11367	303	21	"	"	PUNCT
easat-11367	303	22	effect	effect	NOUN
easat-11367	303	23	of	of	ADP
easat-11367	303	24	credit	credit	NOUN
easat-11367	303	25	risk	risk	NOUN
easat-11367	303	26	management	management	NOUN
easat-11367	303	27	on	on	ADP
easat-11367	303	28	return	return	NOUN
easat-11367	303	29	on	on	ADP
easat-11367	303	30	assets	asset	NOUN
easat-11367	303	31	and	and	CCONJ
easat-11367	303	32	return	return	VERB
easat-11367	303	33	on	on	ADP
easat-11367	303	34	equity	equity	NOUN
easat-11367	303	35	:	:	PUNCT
easat-11367	303	36	empirical	empirical	ADJ
easat-11367	303	37	evidence	evidence	NOUN
easat-11367	303	38	from	from	ADP
easat-11367	303	39	nigerian	nigerian	ADJ
easat-11367	303	40	banks	bank	NOUN
easat-11367	303	41	,	,	PUNCT
easat-11367	303	42	"	"	PUNCT
easat-11367	303	43	iosr	iosr	ADJ
easat-11367	303	44	journal	journal	NOUN
easat-11367	303	45	of	of	ADP
easat-11367	303	46	business	business	NOUN
easat-11367	303	47	and	and	CCONJ
easat-11367	303	48	management	management	NOUN
easat-11367	303	49	,	,	PUNCT
easat-11367	303	50	vol	vol	NOUN
easat-11367	303	51	.	.	PROPN
easat-11367	303	52	18	18	NUM
easat-11367	303	53	,	,	PUNCT
easat-11367	303	54	no	no	INTJ
easat-11367	303	55	.	.	NOUN
easat-11367	303	56	12	12	NUM
easat-11367	303	57	,	,	PUNCT
easat-11367	303	58	pp	pp	ADJ
easat-11367	303	59	.	.	PUNCT
easat-11367	304	1	96	96	NUM
easat-11367	304	2	-	-	SYM
easat-11367	304	3	104	104	NUM
easat-11367	304	4	,	,	PUNCT
easat-11367	304	5	2016	2016	NUM
easat-11367	304	6	.	.	PUNCT
easat-11367	305	1	[	[	X
easat-11367	305	2	10	10	NUM
easat-11367	305	3	]	]	X
easat-11367	305	4	a.	a.	PROPN
easat-11367	305	5	r.	r.	PROPN
easat-11367	305	6	central	central	PROPN
easat-11367	305	7	bank	bank	PROPN
easat-11367	305	8	of	of	ADP
easat-11367	305	9	yemen	yemen	PROPN
easat-11367	305	10	,	,	PUNCT
easat-11367	305	11	"	"	PUNCT
easat-11367	305	12	sana’a	sana’a	NOUN
easat-11367	305	13	,	,	PUNCT
easat-11367	305	14	yemen	yemen	PROPN
easat-11367	305	15	,	,	PUNCT
easat-11367	305	16	"	"	PUNCT
easat-11367	305	17	central	central	ADJ
easat-11367	305	18	bank	bank	NOUN
easat-11367	305	19	of	of	ADP
easat-11367	305	20	yemen	yemen	PROPN
easat-11367	305	21	,	,	PUNCT
easat-11367	305	22	annual	annual	ADJ
easat-11367	305	23	report	report	NOUN
easat-11367	305	24	,	,	PUNCT
easat-11367	305	25	2018	2018	NUM
easat-11367	305	26	.	.	PUNCT
easat-11367	306	1	[	[	X
easat-11367	306	2	11	11	NUM
easat-11367	306	3	]	]	PUNCT
easat-11367	306	4	a.	a.	NOUN
easat-11367	306	5	m.	m.	NOUN
easat-11367	306	6	sharhan	sharhan	PROPN
easat-11367	306	7	,	,	PUNCT
easat-11367	306	8	"	"	PUNCT
easat-11367	306	9	development	development	NOUN
easat-11367	306	10	of	of	ADP
easat-11367	306	11	banking	banking	NOUN
easat-11367	306	12	activity	activity	NOUN
easat-11367	306	13	in	in	ADP
easat-11367	306	14	yemeni	yemeni	ADJ
easat-11367	306	15	banks	bank	NOUN
easat-11367	306	16	during	during	ADP
easat-11367	306	17	the	the	DET
easat-11367	306	18	period	period	NOUN
easat-11367	306	19	(	(	PUNCT
easat-11367	306	20	2000–2017	2000–2017	NUM
easat-11367	306	21	)	)	PUNCT
easat-11367	306	22	,	,	PUNCT
easat-11367	306	23	"	"	PUNCT
easat-11367	306	24	university	university	NOUN
easat-11367	306	25	of	of	ADP
easat-11367	306	26	albayda	albayda	ADJ
easat-11367	306	27	journal	journal	PROPN
easat-11367	306	28	,	,	PUNCT
easat-11367	306	29	vol	vol	NOUN
easat-11367	306	30	.	.	PROPN
easat-11367	306	31	2	2	NUM
easat-11367	306	32	,	,	PUNCT
easat-11367	306	33	no	no	INTJ
easat-11367	306	34	.	.	NOUN
easat-11367	306	35	2	2	NUM
easat-11367	306	36	,	,	PUNCT
easat-11367	306	37	pp	pp	ADJ
easat-11367	306	38	.	.	PUNCT
easat-11367	307	1	147–169	147–169	NUM
easat-11367	307	2	,	,	PUNCT
easat-11367	307	3	2020	2020	NUM
easat-11367	307	4	.	.	PUNCT
easat-11367	308	1	[	[	X
easat-11367	308	2	12	12	NUM
easat-11367	308	3	]	]	PUNCT
easat-11367	308	4	t.	t.	PROPN
easat-11367	308	5	f.	f.	PROPN
easat-11367	308	6	kolapo	kolapo	PROPN
easat-11367	308	7	,	,	PUNCT
easat-11367	308	8	r.	r.	PROPN
easat-11367	308	9	k.	k.	PROPN
easat-11367	308	10	ayeni	ayeni	PROPN
easat-11367	308	11	,	,	PUNCT
easat-11367	308	12	and	and	CCONJ
easat-11367	308	13	m.	m.	NOUN
easat-11367	308	14	o.	o.	PROPN
easat-11367	308	15	oke	oke	PROPN
easat-11367	308	16	,	,	PUNCT
easat-11367	308	17	"	"	PUNCT
easat-11367	308	18	credit	credit	NOUN
easat-11367	308	19	risk	risk	NOUN
easat-11367	308	20	and	and	CCONJ
easat-11367	308	21	commercial	commercial	ADJ
easat-11367	308	22	banks'performance	banks'performance	NOUN
easat-11367	308	23	in	in	ADP
easat-11367	308	24	nigeria	nigeria	PROPN
easat-11367	308	25	:	:	PUNCT
easat-11367	308	26	a	a	DET
easat-11367	308	27	panel	panel	NOUN
easat-11367	308	28	model	model	NOUN
easat-11367	308	29	approach	approach	NOUN
easat-11367	308	30	,	,	PUNCT
easat-11367	308	31	"	"	PUNCT
easat-11367	308	32	australian	australian	ADJ
easat-11367	308	33	journal	journal	NOUN
easat-11367	308	34	of	of	ADP
easat-11367	308	35	business	business	NOUN
easat-11367	308	36	and	and	CCONJ
easat-11367	308	37	management	management	NOUN
easat-11367	308	38	research	research	NOUN
easat-11367	308	39	,	,	PUNCT
easat-11367	308	40	vol	vol	NOUN
easat-11367	308	41	.	.	PROPN
easat-11367	308	42	2	2	NUM
easat-11367	308	43	,	,	PUNCT
easat-11367	308	44	no	no	INTJ
easat-11367	308	45	.	.	NOUN
easat-11367	308	46	2	2	NUM
easat-11367	308	47	,	,	PUNCT
easat-11367	308	48	p.	p.	NOUN
easat-11367	308	49	31	31	NUM
easat-11367	308	50	,	,	PUNCT
easat-11367	308	51	2012	2012	NUM
easat-11367	308	52	.	.	PUNCT
easat-11367	309	1	[	[	X
easat-11367	309	2	13	13	NUM
easat-11367	309	3	]	]	PUNCT
easat-11367	309	4	i.	i.	PROPN
easat-11367	309	5	p.	p.	NOUN
easat-11367	309	6	tirwa	tirwa	PROPN
easat-11367	309	7	,	,	PUNCT
easat-11367	309	8	u.	u.	PROPN
easat-11367	309	9	bhuyan	bhuyan	PROPN
easat-11367	309	10	,	,	PUNCT
easat-11367	309	11	h.	h.	PROPN
easat-11367	309	12	magd	magd	PROPN
easat-11367	309	13	,	,	PUNCT
easat-11367	309	14	and	and	CCONJ
easat-11367	309	15	s.	s.	PROPN
easat-11367	309	16	a.	a.	PROPN
easat-11367	309	17	khan	khan	PROPN
easat-11367	309	18	,	,	PUNCT
easat-11367	309	19	"	"	PUNCT
easat-11367	309	20	implications	implication	NOUN
easat-11367	309	21	of	of	ADP
easat-11367	309	22	liquidity	liquidity	NOUN
easat-11367	309	23	risk	risk	NOUN
easat-11367	309	24	and	and	CCONJ
easat-11367	309	25	credit	credit	NOUN
easat-11367	309	26	risk	risk	NOUN
easat-11367	309	27	on	on	ADP
easat-11367	309	28	the	the	DET
easat-11367	309	29	bank	bank	NOUN
easat-11367	309	30	of	of	ADP
easat-11367	309	31	bhutan	bhutan	PROPN
easat-11367	309	32	's	's	PART
easat-11367	309	33	financial	financial	ADJ
easat-11367	309	34	performance	performance	NOUN
easat-11367	309	35	(	(	PUNCT
easat-11367	309	36	bob	bob	PROPN
easat-11367	309	37	)	)	PUNCT
easat-11367	309	38	,	,	PUNCT
easat-11367	309	39	"	"	PUNCT
easat-11367	309	40	global	global	ADJ
easat-11367	309	41	business	business	PROPN
easat-11367	309	42	&	&	CCONJ
easat-11367	309	43	management	management	PROPN
easat-11367	309	44	research	research	NOUN
easat-11367	309	45	,	,	PUNCT
easat-11367	309	46	vol	vol	NOUN
easat-11367	309	47	.	.	PROPN
easat-11367	309	48	14	14	NUM
easat-11367	309	49	,	,	PUNCT
easat-11367	309	50	2022	2022	NUM
easat-11367	309	51	.	.	PUNCT
easat-11367	310	1	[	[	X
easat-11367	310	2	14	14	NUM
easat-11367	310	3	]	]	X
easat-11367	310	4	i.	i.	PROPN
easat-11367	310	5	t.	t.	PROPN
easat-11367	310	6	hawaldar	hawaldar	PROPN
easat-11367	310	7	,	,	PUNCT
easat-11367	310	8	b.	b.	PROPN
easat-11367	310	9	k.	k.	PROPN
easat-11367	310	10	meher	meher	PROPN
easat-11367	310	11	,	,	PUNCT
easat-11367	310	12	p.	p.	NOUN
easat-11367	310	13	kumari	kumari	PROPN
easat-11367	310	14	,	,	PUNCT
easat-11367	310	15	and	and	CCONJ
easat-11367	310	16	s.	s.	PROPN
easat-11367	310	17	kumar	kumar	PROPN
easat-11367	310	18	,	,	PUNCT
easat-11367	310	19	"	"	PUNCT
easat-11367	310	20	modelling	model	VERB
easat-11367	310	21	the	the	DET
easat-11367	310	22	effects	effect	NOUN
easat-11367	310	23	of	of	ADP
easat-11367	310	24	capital	capital	NOUN
easat-11367	310	25	adequacy	adequacy	NOUN
easat-11367	310	26	,	,	PUNCT
easat-11367	310	27	credit	credit	NOUN
easat-11367	310	28	losses	loss	NOUN
easat-11367	310	29	,	,	PUNCT
easat-11367	310	30	and	and	CCONJ
easat-11367	310	31	efficiency	efficiency	NOUN
easat-11367	310	32	ratio	ratio	NOUN
easat-11367	310	33	on	on	ADP
easat-11367	310	34	return	return	NOUN
easat-11367	310	35	on	on	ADP
easat-11367	310	36	assets	asset	NOUN
easat-11367	310	37	and	and	CCONJ
easat-11367	310	38	return	return	VERB
easat-11367	310	39	on	on	ADP
easat-11367	310	40	equity	equity	NOUN
easat-11367	310	41	of	of	ADP
easat-11367	310	42	banks	bank	NOUN
easat-11367	310	43	during	during	ADP
easat-11367	310	44	covid-19	covid-19	PROPN
easat-11367	310	45	pandemic	pandemic	NOUN
easat-11367	310	46	,	,	PUNCT
easat-11367	310	47	"	"	PUNCT
easat-11367	310	48	banks	bank	NOUN
easat-11367	310	49	and	and	CCONJ
easat-11367	310	50	bank	bank	NOUN
easat-11367	310	51	systems	system	NOUN
easat-11367	310	52	,	,	PUNCT
easat-11367	310	53	vol	vol	NOUN
easat-11367	310	54	.	.	PROPN
easat-11367	310	55	17	17	NUM
easat-11367	310	56	,	,	PUNCT
easat-11367	310	57	no	no	INTJ
easat-11367	310	58	.	.	NOUN
easat-11367	310	59	1	1	NUM
easat-11367	310	60	,	,	PUNCT
easat-11367	310	61	pp	pp	ADJ
easat-11367	310	62	.	.	PUNCT
easat-11367	310	63	115	115	NUM
easat-11367	310	64	-	-	SYM
easat-11367	310	65	124	124	NUM
easat-11367	310	66	,	,	PUNCT
easat-11367	310	67	2022	2022	NUM
easat-11367	310	68	.	.	PUNCT
easat-11367	311	1	[	[	X
easat-11367	311	2	15	15	NUM
easat-11367	311	3	]	]	PUNCT
easat-11367	311	4	j.	j.	PROPN
easat-11367	311	5	s.	s.	PROPN
easat-11367	311	6	isanzu	isanzu	PROPN
easat-11367	311	7	,	,	PUNCT
easat-11367	311	8	"	"	PUNCT
easat-11367	311	9	the	the	DET
easat-11367	311	10	impact	impact	NOUN
easat-11367	311	11	of	of	ADP
easat-11367	311	12	credit	credit	NOUN
easat-11367	311	13	risk	risk	NOUN
easat-11367	311	14	on	on	ADP
easat-11367	311	15	financial	financial	ADJ
easat-11367	311	16	performance	performance	NOUN
easat-11367	311	17	of	of	ADP
easat-11367	311	18	chinese	chinese	ADJ
easat-11367	311	19	banks	bank	NOUN
easat-11367	311	20	,	,	PUNCT
easat-11367	311	21	"	"	PUNCT
easat-11367	311	22	journal	journal	NOUN
easat-11367	311	23	of	of	ADP
easat-11367	311	24	international	international	ADJ
easat-11367	311	25	business	business	NOUN
easat-11367	311	26	research	research	NOUN
easat-11367	311	27	and	and	CCONJ
easat-11367	311	28	marketing	marketing	NOUN
easat-11367	311	29	,	,	PUNCT
easat-11367	311	30	vol	vol	NOUN
easat-11367	311	31	.	.	PROPN
easat-11367	311	32	2	2	NUM
easat-11367	311	33	,	,	PUNCT
easat-11367	311	34	no	no	INTJ
easat-11367	311	35	.	.	NOUN
easat-11367	311	36	3	3	NUM
easat-11367	311	37	,	,	PUNCT
easat-11367	311	38	pp	pp	ADJ
easat-11367	311	39	.	.	PUNCT
easat-11367	312	1	14	14	NUM
easat-11367	312	2	-	-	SYM
easat-11367	312	3	17	17	NUM
easat-11367	312	4	,	,	PUNCT
easat-11367	312	5	2017	2017	NUM
easat-11367	312	6	.	.	PUNCT
easat-11367	313	1	http://dx.doi.org/10.18775/jibrm.1849-8558.2015.23.3002	http://dx.doi.org/10.18775/jibrm.1849-8558.2015.23.3002	X
easat-11367	314	1	[	[	X
easat-11367	314	2	16	16	NUM
easat-11367	314	3	]	]	X
easat-11367	314	4	h.	h.	PROPN
easat-11367	314	5	o.	o.	PROPN
easat-11367	314	6	afriyie	afriyie	PROPN
easat-11367	314	7	and	and	CCONJ
easat-11367	314	8	j.	j.	PROPN
easat-11367	314	9	o.	o.	PROPN
easat-11367	314	10	akotey	akotey	PROPN
easat-11367	314	11	,	,	PUNCT
easat-11367	314	12	"	"	PUNCT
easat-11367	314	13	credit	credit	NOUN
easat-11367	314	14	risk	risk	NOUN
easat-11367	314	15	management	management	NOUN
easat-11367	314	16	and	and	CCONJ
easat-11367	314	17	profitability	profitability	NOUN
easat-11367	314	18	of	of	ADP
easat-11367	314	19	rural	rural	ADJ
easat-11367	314	20	banks	bank	NOUN
easat-11367	314	21	in	in	ADP
easat-11367	314	22	the	the	DET
easat-11367	314	23	brong	brong	PROPN
easat-11367	314	24	ahafo	ahafo	PROPN
easat-11367	314	25	region	region	NOUN
easat-11367	314	26	of	of	ADP
easat-11367	314	27	ghana	ghana	PROPN
easat-11367	314	28	,	,	PUNCT
easat-11367	314	29	"	"	PUNCT
easat-11367	314	30	management	management	NOUN
easat-11367	314	31	,	,	PUNCT
easat-11367	314	32	vol	vol	NOUN
easat-11367	314	33	.	.	PROPN
easat-11367	314	34	5	5	NUM
easat-11367	314	35	,	,	PUNCT
easat-11367	314	36	p.	p.	NOUN
easat-11367	314	37	24	24	NUM
easat-11367	314	38	,	,	PUNCT
easat-11367	314	39	2013	2013	NUM
easat-11367	314	40	.	.	PUNCT
easat-11367	315	1	[	[	X
easat-11367	315	2	17	17	NUM
easat-11367	315	3	]	]	PUNCT
easat-11367	315	4	a.	a.	NOUN
easat-11367	315	5	jreisat	jreisat	PROPN
easat-11367	315	6	,	,	PUNCT
easat-11367	315	7	"	"	PUNCT
easat-11367	315	8	credit	credit	NOUN
easat-11367	315	9	risk	risk	NOUN
easat-11367	315	10	,	,	PUNCT
easat-11367	315	11	economic	economic	ADJ
easat-11367	315	12	growth	growth	NOUN
easat-11367	315	13	and	and	CCONJ
easat-11367	315	14	profitability	profitability	NOUN
easat-11367	315	15	of	of	ADP
easat-11367	315	16	banks	bank	NOUN
easat-11367	315	17	,	,	PUNCT
easat-11367	315	18	"	"	PUNCT
easat-11367	315	19	international	international	ADJ
easat-11367	315	20	journal	journal	NOUN
easat-11367	315	21	of	of	ADP
easat-11367	315	22	economics	economic	NOUN
easat-11367	315	23	and	and	CCONJ
easat-11367	315	24	business	business	NOUN
easat-11367	315	25	research	research	NOUN
easat-11367	315	26	,	,	PUNCT
easat-11367	315	27	vol	vol	NOUN
easat-11367	315	28	.	.	PROPN
easat-11367	315	29	20	20	NUM
easat-11367	315	30	,	,	PUNCT
easat-11367	315	31	no	no	INTJ
easat-11367	315	32	.	.	NOUN
easat-11367	315	33	2	2	NUM
easat-11367	315	34	,	,	PUNCT
easat-11367	315	35	pp	pp	ADJ
easat-11367	315	36	.	.	PUNCT
easat-11367	316	1	152	152	NUM
easat-11367	316	2	-	-	SYM
easat-11367	316	3	167	167	NUM
easat-11367	316	4	,	,	PUNCT
easat-11367	316	5	2020	2020	NUM
easat-11367	316	6	.	.	PUNCT
easat-11367	317	1	[	[	X
easat-11367	317	2	18	18	NUM
easat-11367	317	3	]	]	X
easat-11367	317	4	e.	e.	PROPN
easat-11367	317	5	munangi	munangi	PROPN
easat-11367	317	6	and	and	CCONJ
easat-11367	317	7	a.	a.	PROPN
easat-11367	317	8	b.	b.	PROPN
easat-11367	317	9	sibindi	sibindi	PROPN
easat-11367	317	10	,	,	PUNCT
easat-11367	317	11	"	"	PUNCT
easat-11367	317	12	an	an	DET
easat-11367	317	13	empirical	empirical	ADJ
easat-11367	317	14	analysis	analysis	NOUN
easat-11367	317	15	of	of	ADP
easat-11367	317	16	the	the	DET
easat-11367	317	17	impact	impact	NOUN
easat-11367	317	18	of	of	ADP
easat-11367	317	19	credit	credit	NOUN
easat-11367	317	20	risk	risk	NOUN
easat-11367	317	21	on	on	ADP
easat-11367	317	22	the	the	DET
easat-11367	317	23	financial	financial	ADJ
easat-11367	317	24	performance	performance	NOUN
easat-11367	317	25	of	of	ADP
easat-11367	317	26	south	south	ADJ
easat-11367	317	27	african	african	ADJ
easat-11367	317	28	banks	bank	NOUN
easat-11367	317	29	,	,	PUNCT
easat-11367	317	30	"	"	PUNCT
easat-11367	317	31	academy	academy	NOUN
easat-11367	317	32	of	of	ADP
easat-11367	317	33	accounting	accounting	NOUN
easat-11367	317	34	and	and	CCONJ
easat-11367	317	35	financial	financial	ADJ
easat-11367	317	36	studies	study	NOUN
easat-11367	317	37	journal	journal	NOUN
easat-11367	317	38	,	,	PUNCT
easat-11367	317	39	vol	vol	NOUN
easat-11367	317	40	.	.	PROPN
easat-11367	318	1	24	24	NUM
easat-11367	318	2	,	,	PUNCT
easat-11367	318	3	no	no	INTJ
easat-11367	318	4	.	.	NOUN
easat-11367	318	5	3	3	NUM
easat-11367	318	6	,	,	PUNCT
easat-11367	318	7	pp	pp	ADJ
easat-11367	318	8	.	.	PUNCT
easat-11367	319	1	1	1	NUM
easat-11367	319	2	-	-	SYM
easat-11367	319	3	15	15	NUM
easat-11367	319	4	,	,	PUNCT
easat-11367	319	5	2020	2020	NUM
easat-11367	319	6	.	.	PUNCT
easat-11367	320	1	[	[	X
easat-11367	320	2	19	19	NUM
easat-11367	320	3	]	]	PUNCT
easat-11367	320	4	k.	k.	PROPN
easat-11367	320	5	singh	singh	PROPN
easat-11367	320	6	,	,	PUNCT
easat-11367	320	7	"	"	PUNCT
easat-11367	320	8	credit	credit	NOUN
easat-11367	320	9	risks	risk	NOUN
easat-11367	320	10	,	,	PUNCT
easat-11367	320	11	national	national	ADJ
easat-11367	320	12	governance	governance	NOUN
easat-11367	320	13	and	and	CCONJ
easat-11367	320	14	profitability	profitability	NOUN
easat-11367	320	15	in	in	ADP
easat-11367	320	16	microfinancing	microfinance	VERB
easat-11367	320	17	sector	sector	NOUN
easat-11367	320	18	:	:	PUNCT
easat-11367	320	19	evidence	evidence	NOUN
easat-11367	320	20	from	from	ADP
easat-11367	320	21	some	some	DET
easat-11367	320	22	emerging	emerge	VERB
easat-11367	320	23	economies	economy	NOUN
easat-11367	320	24	of	of	ADP
easat-11367	320	25	world	world	NOUN
easat-11367	320	26	importance	importance	NOUN
easat-11367	320	27	,	,	PUNCT
easat-11367	320	28	"	"	PUNCT
easat-11367	320	29	international	international	ADJ
easat-11367	320	30	journal	journal	NOUN
easat-11367	320	31	of	of	ADP
easat-11367	320	32	emerging	emerge	VERB
easat-11367	320	33	markets	market	NOUN
easat-11367	320	34	,	,	PUNCT
easat-11367	320	35	vol	vol	NOUN
easat-11367	320	36	.	.	PROPN
easat-11367	320	37	20	20	NUM
easat-11367	320	38	,	,	PUNCT
easat-11367	320	39	no	no	INTJ
easat-11367	320	40	.	.	NOUN
easat-11367	320	41	5	5	NUM
easat-11367	320	42	,	,	PUNCT
easat-11367	320	43	pp	pp	ADJ
easat-11367	320	44	.	.	PUNCT
easat-11367	321	1	2110	2110	NUM
easat-11367	321	2	-	-	SYM
easat-11367	321	3	2131	2131	NUM
easat-11367	321	4	,	,	PUNCT
easat-11367	321	5	2025	2025	NUM
easat-11367	321	6	.	.	PUNCT
easat-11367	322	1	https://doi.org/10.1108/ijoem-04-2023-0665	https://doi.org/10.1108/ijoem-04-2023-0665	PROPN
easat-11367	323	1	[	[	X
easat-11367	323	2	20	20	NUM
easat-11367	323	3	]	]	PUNCT
easat-11367	323	4	s.	s.	PROPN
easat-11367	323	5	r.	r.	PROPN
easat-11367	323	6	poudel	poudel	PROPN
easat-11367	323	7	,	,	PUNCT
easat-11367	323	8	b.	b.	PROPN
easat-11367	323	9	kunwar	kunwar	PROPN
easat-11367	323	10	,	,	PUNCT
easat-11367	323	11	t.	t.	PROPN
easat-11367	323	12	r.	r.	PROPN
easat-11367	323	13	kharel	kharel	PROPN
easat-11367	323	14	,	,	PUNCT
easat-11367	323	15	s.	s.	PROPN
easat-11367	323	16	dahal	dahal	PROPN
easat-11367	323	17	,	,	PUNCT
easat-11367	323	18	and	and	CCONJ
easat-11367	323	19	r.	r.	PROPN
easat-11367	323	20	panthi	panthi	PROPN
easat-11367	323	21	,	,	PUNCT
easat-11367	323	22	"	"	PUNCT
easat-11367	323	23	impact	impact	NOUN
easat-11367	323	24	of	of	ADP
easat-11367	323	25	credit	credit	NOUN
easat-11367	323	26	risk	risk	NOUN
easat-11367	323	27	,	,	PUNCT
easat-11367	323	28	liquidity	liquidity	NOUN
easat-11367	323	29	risk	risk	NOUN
easat-11367	323	30	,	,	PUNCT
easat-11367	323	31	and	and	CCONJ
easat-11367	323	32	operational	operational	ADJ
easat-11367	323	33	risk	risk	NOUN
easat-11367	323	34	on	on	ADP
easat-11367	323	35	commercial	commercial	ADJ
easat-11367	323	36	bank	bank	NOUN
easat-11367	323	37	's	's	PART
easat-11367	323	38	profitability	profitability	NOUN
easat-11367	323	39	,	,	PUNCT
easat-11367	323	40	"	"	PUNCT
easat-11367	323	41	journal	journal	NOUN
easat-11367	323	42	of	of	ADP
easat-11367	323	43	nepalese	nepalese	ADJ
easat-11367	323	44	business	business	NOUN
easat-11367	323	45	studies	study	NOUN
easat-11367	323	46	,	,	PUNCT
easat-11367	323	47	vol	vol	NOUN
easat-11367	323	48	.	.	PROPN
easat-11367	323	49	17	17	NUM
easat-11367	323	50	,	,	PUNCT
easat-11367	323	51	no	no	INTJ
easat-11367	323	52	.	.	NOUN
easat-11367	323	53	1	1	NUM
easat-11367	323	54	,	,	PUNCT
easat-11367	323	55	pp	pp	ADJ
easat-11367	323	56	.	.	PUNCT
easat-11367	324	1	117	117	NUM
easat-11367	324	2	-	-	SYM
easat-11367	324	3	128	128	NUM
easat-11367	324	4	,	,	PUNCT
easat-11367	324	5	2024	2024	NUM
easat-11367	324	6	.	.	PUNCT
easat-11367	325	1	https://doi.org/10.3126/jnbs.v17i1.75271	https://doi.org/10.3126/jnbs.v17i1.75271	NUM
easat-11367	325	2	[	[	X
easat-11367	325	3	21	21	NUM
easat-11367	325	4	]	]	X
easat-11367	325	5	m.	m.	NOUN
easat-11367	325	6	haris	haris	PROPN
easat-11367	325	7	,	,	PUNCT
easat-11367	325	8	h.	h.	PROPN
easat-11367	325	9	yao	yao	PROPN
easat-11367	325	10	,	,	PUNCT
easat-11367	325	11	and	and	CCONJ
easat-11367	325	12	h.	h.	PROPN
easat-11367	325	13	fatima	fatima	PROPN
easat-11367	325	14	,	,	PUNCT
easat-11367	325	15	"	"	PUNCT
easat-11367	325	16	the	the	DET
easat-11367	325	17	impact	impact	NOUN
easat-11367	325	18	of	of	ADP
easat-11367	325	19	liquidity	liquidity	NOUN
easat-11367	325	20	risk	risk	NOUN
easat-11367	325	21	and	and	CCONJ
easat-11367	325	22	credit	credit	NOUN
easat-11367	325	23	risk	risk	NOUN
easat-11367	325	24	on	on	ADP
easat-11367	325	25	bank	bank	NOUN
easat-11367	325	26	profitability	profitability	NOUN
easat-11367	325	27	during	during	ADP
easat-11367	325	28	covid19	covid19	NOUN
easat-11367	325	29	,	,	PUNCT
easat-11367	325	30	"	"	PUNCT
easat-11367	325	31	plos	plos	PROPN
easat-11367	325	32	one	one	NUM
easat-11367	325	33	,	,	PUNCT
easat-11367	325	34	vol	vol	NOUN
easat-11367	325	35	.	.	PROPN
easat-11367	325	36	19	19	NUM
easat-11367	325	37	,	,	PUNCT
easat-11367	325	38	no	no	INTJ
easat-11367	325	39	.	.	NOUN
easat-11367	325	40	9	9	NUM
easat-11367	325	41	,	,	PUNCT
easat-11367	325	42	p.	p.	NOUN
easat-11367	325	43	e0308356	e0308356	PROPN
easat-11367	325	44	,	,	PUNCT
easat-11367	325	45	2024	2024	NUM
easat-11367	325	46	.	.	PUNCT
easat-11367	326	1	https://doi.org/10.1371/journal.pone.0334269	https://doi.org/10.1371/journal.pone.0334269	NOUN
easat-11367	327	1	[	[	X
easat-11367	327	2	22	22	NUM
easat-11367	327	3	]	]	X
easat-11367	327	4	h.	h.	PROPN
easat-11367	327	5	abdelaziz	abdelaziz	PROPN
easat-11367	327	6	,	,	PUNCT
easat-11367	327	7	b.	b.	PROPN
easat-11367	327	8	rim	rim	PROPN
easat-11367	327	9	,	,	PUNCT
easat-11367	327	10	and	and	CCONJ
easat-11367	327	11	h.	h.	PROPN
easat-11367	327	12	helmi	helmi	PROPN
easat-11367	327	13	,	,	PUNCT
easat-11367	327	14	"	"	PUNCT
easat-11367	327	15	the	the	DET
easat-11367	327	16	interactional	interactional	ADJ
easat-11367	327	17	relationships	relationship	NOUN
easat-11367	327	18	between	between	ADP
easat-11367	327	19	credit	credit	NOUN
easat-11367	327	20	risk	risk	NOUN
easat-11367	327	21	,	,	PUNCT
easat-11367	327	22	liquidity	liquidity	NOUN
easat-11367	327	23	risk	risk	NOUN
easat-11367	327	24	and	and	CCONJ
easat-11367	327	25	bank	bank	NOUN
easat-11367	327	26	profitability	profitability	NOUN
easat-11367	327	27	in	in	ADP
easat-11367	327	28	mena	mena	PROPN
easat-11367	327	29	region	region	PROPN
easat-11367	327	30	,	,	PUNCT
easat-11367	327	31	"	"	PUNCT
easat-11367	327	32	global	global	ADJ
easat-11367	327	33	business	business	NOUN
easat-11367	327	34	review	review	PROPN
easat-11367	327	35	,	,	PUNCT
easat-11367	327	36	vol	vol	NOUN
easat-11367	327	37	.	.	PROPN
easat-11367	327	38	23	23	NUM
easat-11367	327	39	,	,	PUNCT
easat-11367	327	40	no	no	INTJ
easat-11367	327	41	.	.	NOUN
easat-11367	327	42	3	3	NUM
easat-11367	327	43	,	,	PUNCT
easat-11367	327	44	pp	pp	ADJ
easat-11367	327	45	.	.	PUNCT
easat-11367	328	1	561	561	NUM
easat-11367	328	2	-	-	SYM
easat-11367	328	3	583	583	NUM
easat-11367	328	4	,	,	PUNCT
easat-11367	328	5	2022	2022	NUM
easat-11367	328	6	.	.	PUNCT
easat-11367	329	1	https://doi.org/10.1177/0972150919879304	https://doi.org/10.1177/0972150919879304	X
easat-11367	330	1	[	[	X
easat-11367	330	2	23	23	NUM
easat-11367	330	3	]	]	PUNCT
easat-11367	330	4	k.	k.	NOUN
easat-11367	330	5	khanal	khanal	PROPN
easat-11367	330	6	,	,	PUNCT
easat-11367	330	7	"	"	PUNCT
easat-11367	330	8	evaluation	evaluation	NOUN
easat-11367	330	9	of	of	ADP
easat-11367	330	10	effects	effect	NOUN
easat-11367	330	11	of	of	ADP
easat-11367	330	12	credit	credit	NOUN
easat-11367	330	13	-	-	PUNCT
easat-11367	330	14	risk	risk	NOUN
easat-11367	330	15	on	on	ADP
easat-11367	330	16	return	return	NOUN
easat-11367	330	17	on	on	ADP
easat-11367	330	18	assets	asset	NOUN
easat-11367	330	19	of	of	ADP
easat-11367	330	20	commercial	commercial	ADJ
easat-11367	330	21	banks	bank	NOUN
easat-11367	330	22	in	in	ADP
easat-11367	330	23	nepal	nepal	ADJ
easat-11367	330	24	,	,	PUNCT
easat-11367	330	25	"	"	PUNCT
easat-11367	330	26	journal	journal	NOUN
easat-11367	330	27	of	of	ADP
easat-11367	330	28	balkumari	balkumari	PROPN
easat-11367	330	29	college	college	PROPN
easat-11367	330	30	,	,	PUNCT
easat-11367	330	31	vol	vol	NOUN
easat-11367	330	32	.	.	PROPN
easat-11367	330	33	10	10	NUM
easat-11367	330	34	,	,	PUNCT
easat-11367	330	35	no	no	INTJ
easat-11367	330	36	.	.	NOUN
easat-11367	330	37	1	1	NUM
easat-11367	330	38	,	,	PUNCT
easat-11367	330	39	pp	pp	ADJ
easat-11367	330	40	.	.	PUNCT
easat-11367	331	1	7	7	NUM
easat-11367	331	2	-	-	SYM
easat-11367	331	3	12	12	NUM
easat-11367	331	4	,	,	PUNCT
easat-11367	331	5	2021	2021	NUM
easat-11367	331	6	.	.	PUNCT
easat-11367	331	7	https://doi.org/10.3126/jbkc.v10i1.42082	https://doi.org/10.3126/jbkc.v10i1.42082	X
easat-11367	332	1	[	[	X
easat-11367	332	2	24	24	NUM
easat-11367	332	3	]	]	PUNCT
easat-11367	332	4	r.	r.	PROPN
easat-11367	332	5	r.	r.	PROPN
easat-11367	332	6	mendoza	mendoza	PROPN
easat-11367	332	7	and	and	CCONJ
easat-11367	332	8	j.	j.	PROPN
easat-11367	332	9	p.	p.	PROPN
easat-11367	332	10	r.	r.	PROPN
easat-11367	332	11	rivera	rivera	PROPN
easat-11367	332	12	,	,	PUNCT
easat-11367	332	13	"	"	PUNCT
easat-11367	332	14	the	the	DET
easat-11367	332	15	effect	effect	NOUN
easat-11367	332	16	of	of	ADP
easat-11367	332	17	credit	credit	NOUN
easat-11367	332	18	risk	risk	NOUN
easat-11367	332	19	and	and	CCONJ
easat-11367	332	20	capital	capital	NOUN
easat-11367	332	21	adequacy	adequacy	NOUN
easat-11367	332	22	on	on	ADP
easat-11367	332	23	the	the	DET
easat-11367	332	24	profitability	profitability	NOUN
easat-11367	332	25	of	of	ADP
easat-11367	332	26	rural	rural	ADJ
easat-11367	332	27	banks	bank	NOUN
easat-11367	332	28	in	in	ADP
easat-11367	332	29	the	the	DET
easat-11367	332	30	philippines	philippine	NOUN
easat-11367	332	31	,	,	PUNCT
easat-11367	332	32	"	"	PUNCT
easat-11367	332	33	scientific	scientific	ADJ
easat-11367	332	34	annals	annal	NOUN
easat-11367	332	35	of	of	ADP
easat-11367	332	36	economics	economic	NOUN
easat-11367	332	37	and	and	CCONJ
easat-11367	332	38	business	business	NOUN
easat-11367	332	39	,	,	PUNCT
easat-11367	332	40	vol	vol	NOUN
easat-11367	332	41	.	.	PROPN
easat-11367	332	42	64	64	NUM
easat-11367	332	43	,	,	PUNCT
easat-11367	332	44	no	no	INTJ
easat-11367	332	45	.	.	NOUN
easat-11367	332	46	1	1	NUM
easat-11367	332	47	,	,	PUNCT
easat-11367	332	48	pp	pp	ADJ
easat-11367	332	49	.	.	PUNCT
easat-11367	332	50	83	83	NUM
easat-11367	332	51	-	-	SYM
easat-11367	332	52	96	96	NUM
easat-11367	332	53	,	,	PUNCT
easat-11367	332	54	2017	2017	NUM
easat-11367	332	55	.	.	PUNCT
easat-11367	333	1	[	[	X
easat-11367	333	2	25	25	NUM
easat-11367	333	3	]	]	PUNCT
easat-11367	333	4	a.	a.	NOUN
easat-11367	333	5	ruziqa	ruziqa	PROPN
easat-11367	333	6	,	,	PUNCT
easat-11367	333	7	"	"	PUNCT
easat-11367	333	8	the	the	DET
easat-11367	333	9	impact	impact	NOUN
easat-11367	333	10	of	of	ADP
easat-11367	333	11	credit	credit	NOUN
easat-11367	333	12	and	and	CCONJ
easat-11367	333	13	liquidity	liquidity	NOUN
easat-11367	333	14	risk	risk	NOUN
easat-11367	333	15	on	on	ADP
easat-11367	333	16	bank	bank	NOUN
easat-11367	333	17	financial	financial	ADJ
easat-11367	333	18	performance	performance	NOUN
easat-11367	333	19	:	:	PUNCT
easat-11367	333	20	the	the	DET
easat-11367	333	21	case	case	NOUN
easat-11367	333	22	of	of	ADP
easat-11367	333	23	indonesian	indonesian	ADJ
easat-11367	333	24	conventional	conventional	PROPN
easat-11367	333	25	bank	bank	NOUN
easat-11367	333	26	with	with	ADP
easat-11367	333	27	total	total	ADJ
easat-11367	333	28	asset	asset	NOUN
easat-11367	333	29	above	above	ADP
easat-11367	333	30	10	10	NUM
easat-11367	333	31	trillion	trillion	NUM
easat-11367	333	32	rupiah	rupiah	NOUN
easat-11367	333	33	,	,	PUNCT
easat-11367	333	34	"	"	PUNCT
easat-11367	333	35	international	international	ADJ
easat-11367	333	36	journal	journal	NOUN
easat-11367	333	37	of	of	ADP
easat-11367	333	38	economic	economic	ADJ
easat-11367	333	39	policy	policy	NOUN
easat-11367	333	40	in	in	ADP
easat-11367	333	41	emerging	emerge	VERB
easat-11367	333	42	economies	economy	NOUN
easat-11367	333	43	,	,	PUNCT
easat-11367	333	44	vol	vol	NOUN
easat-11367	333	45	.	.	PROPN
easat-11367	333	46	6	6	NUM
easat-11367	333	47	,	,	PUNCT
easat-11367	333	48	no	no	INTJ
easat-11367	333	49	.	.	NOUN
easat-11367	333	50	2	2	NUM
easat-11367	333	51	,	,	PUNCT
easat-11367	333	52	pp	pp	ADJ
easat-11367	333	53	.	.	PUNCT
easat-11367	334	1	93	93	NUM
easat-11367	334	2	-	-	SYM
easat-11367	334	3	106	106	NUM
easat-11367	334	4	,	,	PUNCT
easat-11367	334	5	2013	2013	NUM
easat-11367	334	6	.	.	PUNCT
easat-11367	335	1	https://doi.org/10.1504/ijepee.2013.055791	https://doi.org/10.1504/ijepee.2013.055791	PROPN
easat-11367	335	2	[	[	X
easat-11367	335	3	26	26	NUM
easat-11367	335	4	]	]	X
easat-11367	335	5	r.	r.	PROPN
easat-11367	335	6	t.	t.	PROPN
easat-11367	335	7	opoku	opoku	PROPN
easat-11367	335	8	,	,	PUNCT
easat-11367	335	9	p.	p.	PROPN
easat-11367	335	10	l.	l.	PROPN
easat-11367	335	11	angmor	angmor	PROPN
easat-11367	335	12	,	,	PUNCT
easat-11367	335	13	and	and	CCONJ
easat-11367	335	14	l.	l.	PROPN
easat-11367	335	15	a.	a.	PROPN
easat-11367	335	16	boadi	boadi	PROPN
easat-11367	335	17	,	,	PUNCT
easat-11367	335	18	"	"	PUNCT
easat-11367	335	19	credit	credit	NOUN
easat-11367	335	20	risk	risk	NOUN
easat-11367	335	21	and	and	CCONJ
easat-11367	335	22	bank	bank	NOUN
easat-11367	335	23	profitability	profitability	NOUN
easat-11367	335	24	:	:	PUNCT
easat-11367	335	25	evidence	evidence	NOUN
easat-11367	335	26	from	from	ADP
easat-11367	335	27	ghana	ghana	PROPN
easat-11367	335	28	stock	stock	PROPN
easat-11367	335	29	exchange	exchange	PROPN
easat-11367	335	30	,	,	PUNCT
easat-11367	335	31	"	"	PUNCT
easat-11367	335	32	journal	journal	NOUN
easat-11367	335	33	for	for	ADP
easat-11367	335	34	studies	study	NOUN
easat-11367	335	35	in	in	ADP
easat-11367	335	36	management	management	NOUN
easat-11367	335	37	and	and	CCONJ
easat-11367	335	38	planning	planning	NOUN
easat-11367	335	39	,	,	PUNCT
easat-11367	335	40	vol	vol	NOUN
easat-11367	335	41	.	.	PROPN
easat-11367	335	42	2	2	NUM
easat-11367	335	43	,	,	PUNCT
easat-11367	335	44	no	no	INTJ
easat-11367	335	45	.	.	NOUN
easat-11367	335	46	3	3	NUM
easat-11367	335	47	,	,	PUNCT
easat-11367	335	48	pp	pp	ADJ
easat-11367	335	49	.	.	PUNCT
easat-11367	335	50	89	89	NUM
easat-11367	335	51	-	-	SYM
easat-11367	335	52	96	96	NUM
easat-11367	335	53	,	,	PUNCT
easat-11367	335	54	2016	2016	NUM
easat-11367	335	55	.	.	PUNCT
easat-11367	336	1	https://doi.org/10.1080/23322039.2020.1814509	https://doi.org/10.1080/23322039.2020.1814509	VERB
easat-11367	337	1	https://doi.org/10.1080/23322039.2019.1605683	https://doi.org/10.1080/23322039.2019.1605683	NOUN
easat-11367	337	2	http://dx.doi.org/10.18775/jibrm.1849-8558.2015.23.3002	http://dx.doi.org/10.18775/jibrm.1849-8558.2015.23.3002	PROPN
easat-11367	337	3	https://doi.org/10.1108/ijoem-04-2023-0665	https://doi.org/10.1108/ijoem-04-2023-0665	NOUN
easat-11367	337	4	https://doi.org/10.3126/jnbs.v17i1.75271	https://doi.org/10.3126/jnbs.v17i1.75271	NUM
easat-11367	337	5	https://doi.org/10.1371/journal.pone.0334269	https://doi.org/10.1371/journal.pone.0334269	PROPN
easat-11367	337	6	https://doi.org/10.1177/0972150919879304	https://doi.org/10.1177/0972150919879304	PROPN
easat-11367	337	7	https://doi.org/10.3126/jbkc.v10i1.42082	https://doi.org/10.3126/jbkc.v10i1.42082	PROPN
easat-11367	337	8	https://doi.org/10.1504/ijepee.2013.055791	https://doi.org/10.1504/ijepee.2013.055791	PROPN
easat-11367	337	9	362	362	NUM
easat-11367	337	10	edelweiss	edelweiss	PROPN
easat-11367	337	11	applied	apply	VERB
easat-11367	337	12	science	science	NOUN
easat-11367	337	13	and	and	CCONJ
easat-11367	337	14	technology	technology	NOUN
easat-11367	337	15	issn	issn	PROPN
easat-11367	337	16	:	:	PUNCT
easat-11367	337	17	2576	2576	NUM
easat-11367	337	18	-	-	SYM
easat-11367	337	19	8484	8484	NUM
easat-11367	337	20	vol	vol	NOUN
easat-11367	337	21	.	.	PROPN
easat-11367	338	1	9	9	NUM
easat-11367	338	2	,	,	PUNCT
easat-11367	338	3	no	no	INTJ
easat-11367	338	4	.	.	NOUN
easat-11367	338	5	12	12	NUM
easat-11367	338	6	:	:	PUNCT
easat-11367	338	7	351	351	NUM
easat-11367	338	8	-	-	SYM
easat-11367	338	9	363	363	NUM
easat-11367	338	10	,	,	PUNCT
easat-11367	338	11	2025	2025	NUM
easat-11367	338	12	doi	doi	NOUN
easat-11367	338	13	:	:	PUNCT
easat-11367	338	14	10.55214/2576	10.55214/2576	NUM
easat-11367	338	15	-	-	SYM
easat-11367	338	16	8484.v9i12.11367	8484.v9i12.11367	NUM
easat-11367	339	1	©	©	PROPN
easat-11367	339	2	2025	2025	NUM
easat-11367	339	3	by	by	ADP
easat-11367	339	4	the	the	DET
easat-11367	339	5	authors	author	NOUN
easat-11367	339	6	;	;	PUNCT
easat-11367	339	7	licensee	licensee	PROPN
easat-11367	339	8	learning	learning	NOUN
easat-11367	339	9	gate	gate	NOUN
easat-11367	340	1	[	[	X
easat-11367	340	2	27	27	NUM
easat-11367	340	3	]	]	X
easat-11367	340	4	m.	m.	NOUN
easat-11367	340	5	de	de	PROPN
easat-11367	340	6	leon	leon	PROPN
easat-11367	340	7	,	,	PUNCT
easat-11367	340	8	"	"	PUNCT
easat-11367	340	9	the	the	DET
easat-11367	340	10	impact	impact	NOUN
easat-11367	340	11	of	of	ADP
easat-11367	340	12	credit	credit	NOUN
easat-11367	340	13	risk	risk	NOUN
easat-11367	340	14	and	and	CCONJ
easat-11367	340	15	macroeconomic	macroeconomic	ADJ
easat-11367	340	16	factors	factor	NOUN
easat-11367	340	17	on	on	ADP
easat-11367	340	18	profitability	profitability	NOUN
easat-11367	340	19	:	:	PUNCT
easat-11367	340	20	the	the	DET
easat-11367	340	21	case	case	NOUN
easat-11367	340	22	of	of	ADP
easat-11367	340	23	the	the	DET
easat-11367	340	24	asean	asean	ADJ
easat-11367	340	25	banks	bank	NOUN
easat-11367	340	26	,	,	PUNCT
easat-11367	340	27	"	"	PUNCT
easat-11367	340	28	banks	bank	NOUN
easat-11367	340	29	and	and	CCONJ
easat-11367	340	30	bank	bank	NOUN
easat-11367	340	31	systems	system	NOUN
easat-11367	340	32	,	,	PUNCT
easat-11367	340	33	vol	vol	NOUN
easat-11367	340	34	.	.	PROPN
easat-11367	340	35	15	15	NUM
easat-11367	340	36	,	,	PUNCT
easat-11367	340	37	no	no	INTJ
easat-11367	340	38	.	.	NOUN
easat-11367	340	39	1	1	NUM
easat-11367	340	40	,	,	PUNCT
easat-11367	340	41	pp	pp	ADJ
easat-11367	340	42	.	.	PUNCT
easat-11367	340	43	21	21	NUM
easat-11367	340	44	-	-	SYM
easat-11367	340	45	29	29	NUM
easat-11367	340	46	,	,	PUNCT
easat-11367	340	47	2020	2020	NUM
easat-11367	340	48	.	.	PUNCT
easat-11367	341	1	https://doi.org/10.21511/bbs.15(1).2020.03	https://doi.org/10.21511/bbs.15(1).2020.03	NUM
easat-11367	341	2	[	[	X
easat-11367	341	3	28	28	NUM
easat-11367	341	4	]	]	X
easat-11367	341	5	c.	c.	PROPN
easat-11367	341	6	k.	k.	PROPN
easat-11367	341	7	staikouras	staikouras	PROPN
easat-11367	341	8	and	and	CCONJ
easat-11367	341	9	g.	g.	PROPN
easat-11367	341	10	e.	e.	PROPN
easat-11367	341	11	wood	wood	PROPN
easat-11367	341	12	,	,	PUNCT
easat-11367	341	13	"	"	PUNCT
easat-11367	341	14	the	the	DET
easat-11367	341	15	determinants	determinant	NOUN
easat-11367	341	16	of	of	ADP
easat-11367	341	17	european	european	PROPN
easat-11367	341	18	bank	bank	PROPN
easat-11367	341	19	profitability	profitability	NOUN
easat-11367	341	20	,	,	PUNCT
easat-11367	341	21	"	"	PUNCT
easat-11367	341	22	international	international	ADJ
easat-11367	341	23	business	business	PROPN
easat-11367	341	24	&	&	CCONJ
easat-11367	341	25	economics	economics	PROPN
easat-11367	341	26	research	research	PROPN
easat-11367	341	27	journal	journal	PROPN
easat-11367	341	28	,	,	PUNCT
easat-11367	341	29	vol	vol	NOUN
easat-11367	341	30	.	.	PROPN
easat-11367	342	1	3	3	NUM
easat-11367	342	2	,	,	PUNCT
easat-11367	342	3	no	no	INTJ
easat-11367	342	4	.	.	NOUN
easat-11367	342	5	6	6	NUM
easat-11367	342	6	,	,	PUNCT
easat-11367	342	7	pp	pp	ADJ
easat-11367	342	8	.	.	PUNCT
easat-11367	343	1	57–68	57–68	NUM
easat-11367	343	2	,	,	PUNCT
easat-11367	343	3	2004	2004	NUM
easat-11367	343	4	.	.	PUNCT
easat-11367	344	1	[	[	X
easat-11367	344	2	29	29	NUM
easat-11367	344	3	]	]	PUNCT
easat-11367	344	4	a.	a.	PROPN
easat-11367	344	5	h.	h.	PROPN
easat-11367	344	6	m.	m.	PROPN
easat-11367	344	7	noman	noman	PROPN
easat-11367	344	8	,	,	PUNCT
easat-11367	344	9	s.	s.	PROPN
easat-11367	344	10	pervin	pervin	PROPN
easat-11367	344	11	,	,	PUNCT
easat-11367	344	12	m.	m.	NOUN
easat-11367	344	13	m.	m.	PROPN
easat-11367	344	14	chowdhury	chowdhury	PROPN
easat-11367	344	15	,	,	PUNCT
easat-11367	344	16	and	and	CCONJ
easat-11367	344	17	h.	h.	PROPN
easat-11367	344	18	banna	banna	PROPN
easat-11367	344	19	,	,	PUNCT
easat-11367	344	20	"	"	PUNCT
easat-11367	344	21	the	the	DET
easat-11367	344	22	effect	effect	NOUN
easat-11367	344	23	of	of	ADP
easat-11367	344	24	credit	credit	NOUN
easat-11367	344	25	risk	risk	NOUN
easat-11367	344	26	on	on	ADP
easat-11367	344	27	the	the	DET
easat-11367	344	28	banking	banking	NOUN
easat-11367	344	29	profitability	profitability	NOUN
easat-11367	344	30	:	:	PUNCT
easat-11367	344	31	a	a	DET
easat-11367	344	32	case	case	NOUN
easat-11367	344	33	on	on	ADP
easat-11367	344	34	bangladesh	bangladesh	NOUN
easat-11367	344	35	,	,	PUNCT
easat-11367	344	36	"	"	PUNCT
easat-11367	344	37	global	global	ADJ
easat-11367	344	38	journal	journal	NOUN
easat-11367	344	39	of	of	ADP
easat-11367	344	40	management	management	NOUN
easat-11367	344	41	and	and	CCONJ
easat-11367	344	42	business	business	NOUN
easat-11367	344	43	research	research	NOUN
easat-11367	344	44	,	,	PUNCT
easat-11367	344	45	vol	vol	NOUN
easat-11367	344	46	.	.	PROPN
easat-11367	344	47	15	15	NUM
easat-11367	344	48	,	,	PUNCT
easat-11367	344	49	no	no	INTJ
easat-11367	344	50	.	.	NOUN
easat-11367	344	51	3	3	NUM
easat-11367	344	52	,	,	PUNCT
easat-11367	344	53	pp	pp	ADJ
easat-11367	344	54	.	.	PUNCT
easat-11367	345	1	41	41	NUM
easat-11367	345	2	-	-	SYM
easat-11367	345	3	48	48	NUM
easat-11367	345	4	,	,	PUNCT
easat-11367	345	5	2015	2015	NUM
easat-11367	345	6	.	.	PUNCT
easat-11367	346	1	[	[	X
easat-11367	346	2	30	30	NUM
easat-11367	346	3	]	]	X
easat-11367	346	4	m.	m.	NOUN
easat-11367	346	5	a.	a.	PROPN
easat-11367	346	6	islam	islam	PROPN
easat-11367	346	7	and	and	CCONJ
easat-11367	346	8	r.	r.	PROPN
easat-11367	346	9	h.	h.	PROPN
easat-11367	346	10	rana	rana	PROPN
easat-11367	346	11	,	,	PUNCT
easat-11367	346	12	"	"	PUNCT
easat-11367	346	13	determinants	determinant	NOUN
easat-11367	346	14	of	of	ADP
easat-11367	346	15	bank	bank	NOUN
easat-11367	346	16	profitability	profitability	NOUN
easat-11367	346	17	for	for	ADP
easat-11367	346	18	the	the	DET
easat-11367	346	19	selected	select	VERB
easat-11367	346	20	private	private	ADJ
easat-11367	346	21	commercial	commercial	ADJ
easat-11367	346	22	banks	bank	NOUN
easat-11367	346	23	in	in	ADP
easat-11367	346	24	bangladesh	bangladesh	NOUN
easat-11367	346	25	:	:	PUNCT
easat-11367	346	26	a	a	DET
easat-11367	346	27	panel	panel	NOUN
easat-11367	346	28	data	data	VERB
easat-11367	346	29	analysis	analysis	NOUN
easat-11367	346	30	,	,	PUNCT
easat-11367	346	31	"	"	PUNCT
easat-11367	346	32	banks	bank	NOUN
easat-11367	346	33	&	&	CCONJ
easat-11367	346	34	bank	bank	PROPN
easat-11367	346	35	systems	system	NOUN
easat-11367	346	36	,	,	PUNCT
easat-11367	346	37	no	no	INTJ
easat-11367	346	38	.	.	PROPN
easat-11367	346	39	12	12	NUM
easat-11367	346	40	,	,	PUNCT
easat-11367	346	41	№	№	NOUN
easat-11367	346	42	3	3	NUM
easat-11367	346	43	(	(	PUNCT
easat-11367	346	44	cont	cont	NOUN
easat-11367	346	45	.	.	PUNCT
easat-11367	346	46	)	)	PUNCT
easat-11367	346	47	,	,	PUNCT
easat-11367	346	48	pp	pp	ADP
easat-11367	346	49	.	.	PUNCT
easat-11367	347	1	179	179	NUM
easat-11367	347	2	-	-	SYM
easat-11367	347	3	192	192	NUM
easat-11367	347	4	,	,	PUNCT
easat-11367	347	5	2017	2017	NUM
easat-11367	347	6	.	.	PUNCT
easat-11367	348	1	http://dx.doi.org/10.21511/bbs.12(3-1).2017.03	http://dx.doi.org/10.21511/bbs.12(3-1).2017.03	PROPN
easat-11367	348	2	[	[	X
easat-11367	348	3	31	31	NUM
easat-11367	348	4	]	]	PUNCT
easat-11367	348	5	p.	p.	NOUN
easat-11367	348	6	silaban	silaban	NOUN
easat-11367	348	7	,	,	PUNCT
easat-11367	348	8	"	"	PUNCT
easat-11367	348	9	the	the	DET
easat-11367	348	10	effect	effect	NOUN
easat-11367	348	11	of	of	ADP
easat-11367	348	12	capital	capital	NOUN
easat-11367	348	13	adequacy	adequacy	NOUN
easat-11367	348	14	ratio	ratio	NOUN
easat-11367	348	15	,	,	PUNCT
easat-11367	348	16	net	net	ADJ
easat-11367	348	17	interest	interest	NOUN
easat-11367	348	18	margin	margin	NOUN
easat-11367	348	19	and	and	CCONJ
easat-11367	348	20	non	non	ADJ
easat-11367	348	21	-	-	ADJ
easat-11367	348	22	performing	performing	ADJ
easat-11367	348	23	loans	loan	NOUN
easat-11367	348	24	on	on	ADP
easat-11367	348	25	bank	bank	NOUN
easat-11367	348	26	profitability	profitability	NOUN
easat-11367	348	27	:	:	PUNCT
easat-11367	348	28	the	the	DET
easat-11367	348	29	case	case	NOUN
easat-11367	348	30	of	of	ADP
easat-11367	348	31	indonesia	indonesia	PROPN
easat-11367	348	32	,	,	PUNCT
easat-11367	348	33	"	"	PUNCT
easat-11367	348	34	2017	2017	NUM
easat-11367	348	35	.	.	PUNCT
easat-11367	349	1	https://www.um.edu.mt/library/oar//handle/123456789/43353	https://www.um.edu.mt/library/oar//handle/123456789/43353	PROPN
easat-11367	349	2	[	[	X
easat-11367	349	3	32	32	NUM
easat-11367	349	4	]	]	PUNCT
easat-11367	349	5	g.	g.	PROPN
easat-11367	349	6	n.	n.	PROPN
easat-11367	349	7	al	al	PROPN
easat-11367	349	8	-	-	PUNCT
easat-11367	349	9	eitan	eitan	PROPN
easat-11367	349	10	and	and	CCONJ
easat-11367	349	11	t.	t.	PROPN
easat-11367	349	12	o.	o.	PROPN
easat-11367	349	13	bani	bani	PROPN
easat-11367	349	14	-	-	PUNCT
easat-11367	349	15	khalid	khalid	PROPN
easat-11367	349	16	,	,	PUNCT
easat-11367	349	17	"	"	PUNCT
easat-11367	349	18	credit	credit	NOUN
easat-11367	349	19	risk	risk	NOUN
easat-11367	349	20	and	and	CCONJ
easat-11367	349	21	financial	financial	ADJ
easat-11367	349	22	performance	performance	NOUN
easat-11367	349	23	of	of	ADP
easat-11367	349	24	the	the	DET
easat-11367	349	25	jordanian	jordanian	ADJ
easat-11367	349	26	commercial	commercial	ADJ
easat-11367	349	27	banks	bank	NOUN
easat-11367	349	28	:	:	PUNCT
easat-11367	349	29	a	a	DET
easat-11367	349	30	panel	panel	NOUN
easat-11367	349	31	data	data	VERB
easat-11367	349	32	analysis	analysis	NOUN
easat-11367	349	33	,	,	PUNCT
easat-11367	349	34	"	"	PUNCT
easat-11367	349	35	academy	academy	NOUN
easat-11367	349	36	of	of	ADP
easat-11367	349	37	accounting	accounting	NOUN
easat-11367	349	38	and	and	CCONJ
easat-11367	349	39	financial	financial	ADJ
easat-11367	349	40	studies	study	NOUN
easat-11367	349	41	journal	journal	NOUN
easat-11367	349	42	,	,	PUNCT
easat-11367	349	43	vol	vol	NOUN
easat-11367	349	44	.	.	PROPN
easat-11367	350	1	23	23	NUM
easat-11367	350	2	,	,	PUNCT
easat-11367	350	3	no	no	INTJ
easat-11367	350	4	.	.	NOUN
easat-11367	350	5	5	5	NUM
easat-11367	350	6	,	,	PUNCT
easat-11367	350	7	pp	pp	ADJ
easat-11367	350	8	.	.	PUNCT
easat-11367	351	1	1	1	NUM
easat-11367	351	2	-	-	SYM
easat-11367	351	3	13	13	NUM
easat-11367	351	4	,	,	PUNCT
easat-11367	351	5	2019	2019	NUM
easat-11367	351	6	.	.	PUNCT
easat-11367	352	1	[	[	X
easat-11367	352	2	33	33	NUM
easat-11367	352	3	]	]	PUNCT
easat-11367	352	4	a.	a.	NOUN
easat-11367	352	5	campbell	campbell	PROPN
easat-11367	352	6	,	,	PUNCT
easat-11367	352	7	"	"	PUNCT
easat-11367	352	8	bank	bank	NOUN
easat-11367	352	9	insolvency	insolvency	NOUN
easat-11367	352	10	and	and	CCONJ
easat-11367	352	11	the	the	DET
easat-11367	352	12	problem	problem	NOUN
easat-11367	352	13	of	of	ADP
easat-11367	352	14	nonperforming	nonperforme	VERB
easat-11367	352	15	loans	loan	NOUN
easat-11367	352	16	,	,	PUNCT
easat-11367	352	17	"	"	PUNCT
easat-11367	352	18	journal	journal	NOUN
easat-11367	352	19	of	of	ADP
easat-11367	352	20	banking	banking	NOUN
easat-11367	352	21	regulation	regulation	NOUN
easat-11367	352	22	,	,	PUNCT
easat-11367	352	23	vol	vol	NOUN
easat-11367	352	24	.	.	NOUN
easat-11367	352	25	9	9	NUM
easat-11367	352	26	,	,	PUNCT
easat-11367	352	27	pp	pp	ADJ
easat-11367	352	28	.	.	PUNCT
easat-11367	352	29	2545	2545	NUM
easat-11367	352	30	,	,	PUNCT
easat-11367	352	31	2007	2007	NUM
easat-11367	352	32	.	.	PUNCT
easat-11367	353	1	https://doi.org/10.1057/palgrave.jbr.2350057	https://doi.org/10.1057/palgrave.jbr.2350057	VERB
easat-11367	353	2	[	[	X
easat-11367	353	3	34	34	NUM
easat-11367	353	4	]	]	PUNCT
easat-11367	353	5	a.	a.	NOUN
easat-11367	353	6	graham	graham	PROPN
easat-11367	353	7	and	and	CCONJ
easat-11367	353	8	b.	b.	PROPN
easat-11367	353	9	coyle	coyle	PROPN
easat-11367	353	10	,	,	PUNCT
easat-11367	353	11	framework	framework	NOUN
easat-11367	353	12	for	for	ADP
easat-11367	353	13	credit	credit	NOUN
easat-11367	353	14	risk	risk	NOUN
easat-11367	353	15	management	management	NOUN
easat-11367	353	16	.	.	PUNCT
easat-11367	354	1	london	london	PROPN
easat-11367	354	2	,	,	PUNCT
easat-11367	354	3	uk	uk	PROPN
easat-11367	354	4	:	:	PUNCT
easat-11367	354	5	global	global	ADJ
easat-11367	354	6	professional	professional	ADJ
easat-11367	354	7	publishing	publishing	NOUN
easat-11367	354	8	,	,	PUNCT
easat-11367	354	9	2000	2000	NUM
easat-11367	354	10	.	.	PUNCT
easat-11367	355	1	[	[	X
easat-11367	355	2	35	35	NUM
easat-11367	355	3	]	]	X
easat-11367	355	4	s.	s.	PROPN
easat-11367	355	5	bouteille	bouteille	PROPN
easat-11367	355	6	and	and	CCONJ
easat-11367	355	7	d.	d.	PROPN
easat-11367	355	8	coogan	coogan	PROPN
easat-11367	355	9	-	-	PUNCT
easat-11367	355	10	pushner	pushner	NOUN
easat-11367	355	11	,	,	PUNCT
easat-11367	355	12	the	the	DET
easat-11367	355	13	handbook	handbook	NOUN
easat-11367	355	14	of	of	ADP
easat-11367	355	15	credit	credit	NOUN
easat-11367	355	16	risk	risk	NOUN
easat-11367	355	17	management	management	NOUN
easat-11367	355	18	:	:	PUNCT
easat-11367	355	19	originating	originating	NOUN
easat-11367	355	20	,	,	PUNCT
easat-11367	355	21	assessing	assess	VERB
easat-11367	355	22	,	,	PUNCT
easat-11367	355	23	and	and	CCONJ
easat-11367	355	24	managing	manage	VERB
easat-11367	355	25	credit	credit	NOUN
easat-11367	355	26	exposures	exposure	NOUN
easat-11367	355	27	.	.	PUNCT
easat-11367	356	1	hoboken	hoboken	PROPN
easat-11367	356	2	,	,	PUNCT
easat-11367	356	3	nj	nj	PROPN
easat-11367	356	4	,	,	PUNCT
easat-11367	356	5	usa	usa	PROPN
easat-11367	356	6	:	:	PUNCT
easat-11367	356	7	john	john	PROPN
easat-11367	356	8	wiley	wiley	PROPN
easat-11367	356	9	&	&	CCONJ
easat-11367	356	10	sons	son	NOUN
easat-11367	356	11	,	,	PUNCT
easat-11367	356	12	2021	2021	NUM
easat-11367	356	13	.	.	PUNCT
easat-11367	357	1	[	[	X
easat-11367	357	2	36	36	NUM
easat-11367	357	3	]	]	X
easat-11367	357	4	o.	o.	NOUN
easat-11367	357	5	olalere	olalere	ADV
easat-11367	357	6	,	,	PUNCT
easat-11367	357	7	m.	m.	NOUN
easat-11367	357	8	a.	a.	PROPN
easat-11367	357	9	islam	islam	PROPN
easat-11367	357	10	,	,	PUNCT
easat-11367	357	11	m.	m.	NOUN
easat-11367	357	12	z.	z.	PROPN
easat-11367	357	13	m.	m.	PROPN
easat-11367	357	14	junoh	junoh	PROPN
easat-11367	357	15	,	,	PUNCT
easat-11367	357	16	w.	w.	PROPN
easat-11367	357	17	s.	s.	PROPN
easat-11367	357	18	yusoff	yusoff	PROPN
easat-11367	357	19	,	,	PUNCT
easat-11367	357	20	and	and	CCONJ
easat-11367	357	21	m.	m.	NOUN
easat-11367	357	22	m.	m.	PROPN
easat-11367	357	23	iqbal	iqbal	PROPN
easat-11367	357	24	,	,	PUNCT
easat-11367	357	25	"	"	PUNCT
easat-11367	357	26	revisiting	revisit	VERB
easat-11367	357	27	the	the	DET
easat-11367	357	28	impact	impact	NOUN
easat-11367	357	29	of	of	ADP
easat-11367	357	30	intrinsic	intrinsic	ADJ
easat-11367	357	31	financial	financial	ADJ
easat-11367	357	32	risks	risk	NOUN
easat-11367	357	33	on	on	ADP
easat-11367	357	34	the	the	DET
easat-11367	357	35	firm	firm	ADJ
easat-11367	357	36	value	value	NOUN
easat-11367	357	37	of	of	ADP
easat-11367	357	38	banks	bank	NOUN
easat-11367	357	39	in	in	ADP
easat-11367	357	40	asean-5	asean-5	NUM
easat-11367	357	41	countries	country	NOUN
easat-11367	357	42	:	:	PUNCT
easat-11367	357	43	a	a	DET
easat-11367	357	44	panel	panel	NOUN
easat-11367	357	45	data	datum	NOUN
easat-11367	357	46	approach	approach	NOUN
easat-11367	357	47	,	,	PUNCT
easat-11367	357	48	"	"	PUNCT
easat-11367	357	49	banks	bank	NOUN
easat-11367	357	50	and	and	CCONJ
easat-11367	357	51	bank	bank	NOUN
easat-11367	357	52	systems	system	NOUN
easat-11367	357	53	,	,	PUNCT
easat-11367	357	54	vol	vol	NOUN
easat-11367	357	55	.	.	PROPN
easat-11367	357	56	15	15	NUM
easat-11367	357	57	,	,	PUNCT
easat-11367	357	58	no	no	INTJ
easat-11367	357	59	.	.	NOUN
easat-11367	357	60	2	2	NUM
easat-11367	357	61	,	,	PUNCT
easat-11367	357	62	pp	pp	ADJ
easat-11367	357	63	.	.	PUNCT
easat-11367	358	1	200	200	NUM
easat-11367	358	2	-	-	SYM
easat-11367	358	3	213	213	NUM
easat-11367	358	4	,	,	PUNCT
easat-11367	358	5	2020	2020	NUM
easat-11367	358	6	.	.	PUNCT
easat-11367	359	1	https://doi.org/10.21511/bbs.15(2).2020.18	https://doi.org/10.21511/bbs.15(2).2020.18	X
easat-11367	360	1	[	[	X
easat-11367	360	2	37	37	NUM
easat-11367	360	3	]	]	PUNCT
easat-11367	360	4	a.	a.	PROPN
easat-11367	360	5	al	al	PROPN
easat-11367	360	6	-	-	PUNCT
easat-11367	360	7	qurashi	qurashi	PROPN
easat-11367	360	8	and	and	CCONJ
easat-11367	360	9	a.	a.	PROPN
easat-11367	360	10	al	al	PROPN
easat-11367	360	11	-	-	PUNCT
easat-11367	360	12	maqdashi	maqdashi	PROPN
easat-11367	360	13	,	,	PUNCT
easat-11367	360	14	"	"	PUNCT
easat-11367	360	15	using	use	VERB
easat-11367	360	16	artificial	artificial	ADJ
easat-11367	360	17	neural	neural	ADJ
easat-11367	360	18	networks	network	NOUN
easat-11367	360	19	to	to	PART
easat-11367	360	20	analyze	analyze	VERB
easat-11367	360	21	the	the	DET
easat-11367	360	22	impact	impact	NOUN
easat-11367	360	23	of	of	ADP
easat-11367	360	24	banking	banking	NOUN
easat-11367	360	25	risk	risk	NOUN
easat-11367	360	26	management	management	NOUN
easat-11367	360	27	,	,	PUNCT
easat-11367	360	28	"	"	PUNCT
easat-11367	360	29	journal	journal	NOUN
easat-11367	360	30	of	of	ADP
easat-11367	360	31	financial	financial	ADJ
easat-11367	360	32	,	,	PUNCT
easat-11367	360	33	accounting	accounting	NOUN
easat-11367	360	34	,	,	PUNCT
easat-11367	360	35	and	and	CCONJ
easat-11367	360	36	administrative	administrative	ADJ
easat-11367	360	37	studies	study	NOUN
easat-11367	360	38	,	,	PUNCT
easat-11367	360	39	vol	vol	NOUN
easat-11367	360	40	.	.	PROPN
easat-11367	361	1	6	6	NUM
easat-11367	361	2	,	,	PUNCT
easat-11367	361	3	no	no	INTJ
easat-11367	361	4	.	.	NOUN
easat-11367	361	5	4	4	NUM
easat-11367	361	6	,	,	PUNCT
easat-11367	361	7	pp	pp	ADJ
easat-11367	361	8	.	.	PUNCT
easat-11367	362	1	10–46	10–46	NUM
easat-11367	362	2	,	,	PUNCT
easat-11367	362	3	2019	2019	NUM
easat-11367	362	4	.	.	PUNCT
easat-11367	363	1	[	[	X
easat-11367	363	2	38	38	NUM
easat-11367	363	3	]	]	PUNCT
easat-11367	363	4	r.	r.	PROPN
easat-11367	363	5	al	al	PROPN
easat-11367	363	6	-	-	PUNCT
easat-11367	363	7	ghussain	ghussain	PROPN
easat-11367	363	8	and	and	CCONJ
easat-11367	363	9	a.	a.	PROPN
easat-11367	363	10	al	al	PROPN
easat-11367	363	11	-	-	PUNCT
easat-11367	363	12	ali	ali	PROPN
easat-11367	363	13	,	,	PUNCT
easat-11367	363	14	"	"	PUNCT
easat-11367	363	15	the	the	DET
easat-11367	363	16	impact	impact	NOUN
easat-11367	363	17	of	of	ADP
easat-11367	363	18	financial	financial	ADJ
easat-11367	363	19	risks	risk	NOUN
easat-11367	363	20	on	on	ADP
easat-11367	363	21	the	the	DET
easat-11367	363	22	evaluation	evaluation	NOUN
easat-11367	363	23	of	of	ADP
easat-11367	363	24	banks	bank	NOUN
easat-11367	363	25	'	'	PART
easat-11367	363	26	performance	performance	NOUN
easat-11367	363	27	:	:	PUNCT
easat-11367	363	28	an	an	DET
easat-11367	363	29	applied	apply	VERB
easat-11367	363	30	study	study	NOUN
easat-11367	363	31	on	on	ADP
easat-11367	363	32	syrian	syrian	ADJ
easat-11367	363	33	commercial	commercial	ADJ
easat-11367	363	34	banks	bank	NOUN
easat-11367	363	35	,	,	PUNCT
easat-11367	363	36	"	"	PUNCT
easat-11367	363	37	algerian	algerian	ADJ
easat-11367	363	38	journal	journal	NOUN
easat-11367	363	39	of	of	ADP
easat-11367	363	40	economics	economic	NOUN
easat-11367	363	41	and	and	CCONJ
easat-11367	363	42	management	management	NOUN
easat-11367	363	43	,	,	PUNCT
easat-11367	363	44	vol	vol	NOUN
easat-11367	363	45	.	.	PROPN
easat-11367	363	46	4	4	NUM
easat-11367	363	47	,	,	PUNCT
easat-11367	363	48	pp	pp	ADJ
easat-11367	363	49	.	.	PUNCT
easat-11367	364	1	30–40	30–40	NUM
easat-11367	364	2	,	,	PUNCT
easat-11367	364	3	2013	2013	NUM
easat-11367	364	4	.	.	PUNCT
easat-11367	365	1	[	[	X
easat-11367	365	2	39	39	NUM
easat-11367	365	3	]	]	PUNCT
easat-11367	365	4	c.	c.	NOUN
easat-11367	365	5	ogboi	ogboi	NOUN
easat-11367	365	6	and	and	CCONJ
easat-11367	365	7	o.	o.	PROPN
easat-11367	365	8	k.	k.	PROPN
easat-11367	365	9	unuafe	unuafe	PROPN
easat-11367	365	10	,	,	PUNCT
easat-11367	365	11	"	"	PUNCT
easat-11367	365	12	impact	impact	NOUN
easat-11367	365	13	of	of	ADP
easat-11367	365	14	credit	credit	NOUN
easat-11367	365	15	risk	risk	NOUN
easat-11367	365	16	management	management	NOUN
easat-11367	365	17	and	and	CCONJ
easat-11367	365	18	capital	capital	NOUN
easat-11367	365	19	adequacy	adequacy	NOUN
easat-11367	365	20	on	on	ADP
easat-11367	365	21	the	the	DET
easat-11367	365	22	financial	financial	ADJ
easat-11367	365	23	performance	performance	NOUN
easat-11367	365	24	of	of	ADP
easat-11367	365	25	commercial	commercial	ADJ
easat-11367	365	26	banks	bank	NOUN
easat-11367	365	27	in	in	ADP
easat-11367	365	28	nigeria	nigeria	PROPN
easat-11367	365	29	,	,	PUNCT
easat-11367	365	30	"	"	PUNCT
easat-11367	365	31	journal	journal	NOUN
easat-11367	365	32	of	of	ADP
easat-11367	365	33	emerging	emerge	VERB
easat-11367	365	34	issues	issue	NOUN
easat-11367	365	35	in	in	ADP
easat-11367	365	36	economics	economic	NOUN
easat-11367	365	37	,	,	PUNCT
easat-11367	365	38	finance	finance	NOUN
easat-11367	365	39	and	and	CCONJ
easat-11367	365	40	banking	banking	NOUN
easat-11367	365	41	,	,	PUNCT
easat-11367	365	42	vol	vol	NOUN
easat-11367	365	43	.	.	PROPN
easat-11367	365	44	2	2	NUM
easat-11367	365	45	,	,	PUNCT
easat-11367	365	46	no	no	INTJ
easat-11367	365	47	.	.	NOUN
easat-11367	365	48	3	3	NUM
easat-11367	365	49	,	,	PUNCT
easat-11367	365	50	pp	pp	ADJ
easat-11367	365	51	.	.	PUNCT
easat-11367	366	1	703	703	NUM
easat-11367	366	2	-	-	SYM
easat-11367	366	3	717	717	NUM
easat-11367	366	4	,	,	PUNCT
easat-11367	366	5	2013	2013	NUM
easat-11367	366	6	.	.	PUNCT
easat-11367	367	1	[	[	X
easat-11367	367	2	40	40	NUM
easat-11367	367	3	]	]	PUNCT
easat-11367	367	4	s.	s.	PROPN
easat-11367	367	5	n.	n.	PROPN
easat-11367	367	6	m.	m.	PROPN
easat-11367	367	7	a.	a.	PROPN
easat-11367	367	8	qurban	qurban	PROPN
easat-11367	367	9	,	,	PUNCT
easat-11367	367	10	"	"	PUNCT
easat-11367	367	11	the	the	DET
easat-11367	367	12	effect	effect	NOUN
easat-11367	367	13	of	of	ADP
easat-11367	367	14	liquidity	liquidity	NOUN
easat-11367	367	15	and	and	CCONJ
easat-11367	367	16	rate	rate	NOUN
easat-11367	367	17	of	of	ADP
easat-11367	367	18	return	return	NOUN
easat-11367	367	19	risks	risk	NOUN
easat-11367	367	20	on	on	ADP
easat-11367	367	21	the	the	DET
easat-11367	367	22	profitability	profitability	NOUN
easat-11367	367	23	of	of	ADP
easat-11367	367	24	islamic	islamic	ADJ
easat-11367	367	25	and	and	CCONJ
easat-11367	367	26	conventional	conventional	ADJ
easat-11367	367	27	banks	bank	NOUN
easat-11367	367	28	in	in	ADP
easat-11367	367	29	gcc	gcc	NOUN
easat-11367	367	30	countries	country	NOUN
easat-11367	367	31	,	,	PUNCT
easat-11367	367	32	"	"	PUNCT
easat-11367	367	33	doctoral	doctoral	ADJ
easat-11367	367	34	dissertation	dissertation	NOUN
easat-11367	367	35	,	,	PUNCT
easat-11367	367	36	effat	effat	PROPN
easat-11367	367	37	university	university	NOUN
easat-11367	367	38	,	,	PUNCT
easat-11367	367	39	2018	2018	NUM
easat-11367	367	40	.	.	PUNCT
easat-11367	368	1	[	[	X
easat-11367	368	2	41	41	NUM
easat-11367	368	3	]	]	X
easat-11367	368	4	n.	n.	PROPN
easat-11367	368	5	nataraja	nataraja	PROPN
easat-11367	368	6	,	,	PUNCT
easat-11367	368	7	n.	n.	PROPN
easat-11367	368	8	r.	r.	PROPN
easat-11367	368	9	chilale	chilale	PROPN
easat-11367	368	10	,	,	PUNCT
easat-11367	368	11	and	and	CCONJ
easat-11367	368	12	l.	l.	PROPN
easat-11367	368	13	ganesh	ganesh	PROPN
easat-11367	368	14	,	,	PUNCT
easat-11367	368	15	"	"	PUNCT
easat-11367	368	16	financial	financial	ADJ
easat-11367	368	17	performance	performance	NOUN
easat-11367	368	18	of	of	ADP
easat-11367	368	19	private	private	ADJ
easat-11367	368	20	commercial	commercial	ADJ
easat-11367	368	21	banks	bank	NOUN
easat-11367	368	22	in	in	ADP
easat-11367	368	23	india	india	PROPN
easat-11367	368	24	:	:	PUNCT
easat-11367	368	25	multiple	multiple	ADJ
easat-11367	368	26	regression	regression	NOUN
easat-11367	368	27	analysis	analysis	NOUN
easat-11367	368	28	,	,	PUNCT
easat-11367	368	29	"	"	PUNCT
easat-11367	368	30	academy	academy	NOUN
easat-11367	368	31	of	of	ADP
easat-11367	368	32	accounting	accounting	NOUN
easat-11367	368	33	and	and	CCONJ
easat-11367	368	34	financial	financial	ADJ
easat-11367	368	35	studies	study	NOUN
easat-11367	368	36	journal	journal	NOUN
easat-11367	368	37	,	,	PUNCT
easat-11367	368	38	vol	vol	NOUN
easat-11367	368	39	.	.	PROPN
easat-11367	369	1	22	22	NUM
easat-11367	369	2	,	,	PUNCT
easat-11367	369	3	no	no	INTJ
easat-11367	369	4	.	.	NOUN
easat-11367	369	5	2	2	NUM
easat-11367	369	6	,	,	PUNCT
easat-11367	369	7	pp	pp	ADJ
easat-11367	369	8	.	.	PUNCT
easat-11367	370	1	1	1	NUM
easat-11367	370	2	-	-	SYM
easat-11367	370	3	12	12	NUM
easat-11367	370	4	,	,	PUNCT
easat-11367	370	5	2018	2018	NUM
easat-11367	370	6	.	.	PUNCT
easat-11367	371	1	[	[	X
easat-11367	371	2	42	42	NUM
easat-11367	371	3	]	]	X
easat-11367	371	4	e.	e.	PROPN
easat-11367	371	5	puspitasari	puspitasari	PROPN
easat-11367	371	6	,	,	PUNCT
easat-11367	371	7	b.	b.	PROPN
easat-11367	371	8	sudiyatno	sudiyatno	PROPN
easat-11367	371	9	,	,	PUNCT
easat-11367	371	10	n.	n.	NOUN
easat-11367	371	11	aini	aini	PROPN
easat-11367	371	12	,	,	PUNCT
easat-11367	371	13	and	and	CCONJ
easat-11367	371	14	g.	g.	PROPN
easat-11367	371	15	anindiansyah	anindiansyah	PROPN
easat-11367	371	16	,	,	PUNCT
easat-11367	371	17	"	"	PUNCT
easat-11367	371	18	the	the	DET
easat-11367	371	19	relationship	relationship	NOUN
easat-11367	371	20	between	between	ADP
easat-11367	371	21	net	net	ADJ
easat-11367	371	22	interest	interest	NOUN
easat-11367	371	23	margin	margin	NOUN
easat-11367	371	24	and	and	CCONJ
easat-11367	371	25	return	return	VERB
easat-11367	371	26	on	on	ADP
easat-11367	371	27	asset	asset	NOUN
easat-11367	371	28	:	:	PUNCT
easat-11367	371	29	empirical	empirical	ADJ
easat-11367	371	30	study	study	NOUN
easat-11367	371	31	of	of	ADP
easat-11367	371	32	conventional	conventional	ADJ
easat-11367	371	33	banking	banking	NOUN
easat-11367	371	34	in	in	ADP
easat-11367	371	35	indonesia	indonesia	PROPN
easat-11367	371	36	,	,	PUNCT
easat-11367	371	37	"	"	PUNCT
easat-11367	371	38	academic	academic	ADJ
easat-11367	371	39	journal	journal	NOUN
easat-11367	371	40	of	of	ADP
easat-11367	371	41	interdisciplinary	interdisciplinary	ADJ
easat-11367	371	42	studies	study	NOUN
easat-11367	371	43	,	,	PUNCT
easat-11367	371	44	vol	vol	NOUN
easat-11367	371	45	.	.	PROPN
easat-11367	371	46	10	10	NUM
easat-11367	371	47	,	,	PUNCT
easat-11367	371	48	no	no	INTJ
easat-11367	371	49	.	.	NOUN
easat-11367	371	50	3	3	NUM
easat-11367	371	51	,	,	PUNCT
easat-11367	371	52	pp	pp	ADJ
easat-11367	371	53	.	.	PUNCT
easat-11367	372	1	362	362	NUM
easat-11367	372	2	-	-	SYM
easat-11367	372	3	374	374	NUM
easat-11367	372	4	,	,	PUNCT
easat-11367	372	5	2021	2021	NUM
easat-11367	372	6	.	.	PUNCT
easat-11367	373	1	https://doi.org/10.36941/ajis-2021-0090	https://doi.org/10.36941/ajis-2021-0090	PUNCT
easat-11367	374	1	[	[	X
easat-11367	374	2	43	43	NUM
easat-11367	374	3	]	]	X
easat-11367	374	4	v.	v.	PROPN
easat-11367	374	5	t.	t.	PROPN
easat-11367	374	6	arsew	arsew	PROPN
easat-11367	374	7	,	,	PUNCT
easat-11367	374	8	z.	z.	PROPN
easat-11367	374	9	kisman	kisman	PROPN
easat-11367	374	10	,	,	PUNCT
easat-11367	374	11	and	and	CCONJ
easat-11367	374	12	n.	n.	PROPN
easat-11367	374	13	n.	n.	PROPN
easat-11367	374	14	sawitri	sawitri	PROPN
easat-11367	374	15	,	,	PUNCT
easat-11367	374	16	"	"	PUNCT
easat-11367	374	17	analysis	analysis	NOUN
easat-11367	374	18	of	of	ADP
easat-11367	374	19	the	the	DET
easat-11367	374	20	effect	effect	NOUN
easat-11367	374	21	of	of	ADP
easat-11367	374	22	loan	loan	NOUN
easat-11367	374	23	to	to	ADP
easat-11367	374	24	deposit	deposit	NOUN
easat-11367	374	25	ratio	ratio	NOUN
easat-11367	374	26	,	,	PUNCT
easat-11367	374	27	non	non	ADJ
easat-11367	374	28	-	-	ADJ
easat-11367	374	29	performing	performing	ADJ
easat-11367	374	30	loans	loan	NOUN
easat-11367	374	31	and	and	CCONJ
easat-11367	374	32	capital	capital	NOUN
easat-11367	374	33	adequacy	adequacy	NOUN
easat-11367	374	34	ratio	ratio	NOUN
easat-11367	374	35	on	on	ADP
easat-11367	374	36	return	return	NOUN
easat-11367	374	37	on	on	ADP
easat-11367	374	38	assets	asset	NOUN
easat-11367	374	39	with	with	ADP
easat-11367	374	40	good	good	ADJ
easat-11367	374	41	corporate	corporate	ADJ
easat-11367	374	42	governance	governance	NOUN
easat-11367	374	43	as	as	ADP
easat-11367	374	44	intervening	intervene	VERB
easat-11367	374	45	variable	variable	NOUN
easat-11367	374	46	in	in	ADP
easat-11367	374	47	banking	banking	NOUN
easat-11367	374	48	companies	company	NOUN
easat-11367	374	49	listed	list	VERB
easat-11367	374	50	in	in	ADP
easat-11367	374	51	the	the	DET
easat-11367	374	52	corporate	corporate	ADJ
easat-11367	374	53	governance	governance	NOUN
easat-11367	374	54	perception	perception	NOUN
easat-11367	374	55	index	index	NOUN
easat-11367	374	56	(	(	PUNCT
easat-11367	374	57	cgpi	cgpi	NOUN
easat-11367	374	58	)	)	PUNCT
easat-11367	374	59	for	for	ADP
easat-11367	374	60	the	the	DET
easat-11367	374	61	period	period	NOUN
easat-11367	374	62	2014–2018	2014–2018	NUM
easat-11367	374	63	,	,	PUNCT
easat-11367	374	64	"	"	PUNCT
easat-11367	374	65	journal	journal	NOUN
easat-11367	374	66	of	of	ADP
easat-11367	374	67	economics	economic	NOUN
easat-11367	374	68	and	and	CCONJ
easat-11367	374	69	business	business	NOUN
easat-11367	374	70	,	,	PUNCT
easat-11367	374	71	vol	vol	NOUN
easat-11367	374	72	.	.	PROPN
easat-11367	375	1	3	3	NUM
easat-11367	375	2	,	,	PUNCT
easat-11367	375	3	no	no	INTJ
easat-11367	375	4	.	.	NOUN
easat-11367	375	5	1	1	NUM
easat-11367	375	6	,	,	PUNCT
easat-11367	375	7	p.	p.	NOUN
easat-11367	375	8	17	17	NUM
easat-11367	375	9	,	,	PUNCT
easat-11367	375	10	2020	2020	NUM
easat-11367	375	11	.	.	PUNCT
easat-11367	376	1	[	[	X
easat-11367	376	2	44	44	NUM
easat-11367	376	3	]	]	PUNCT
easat-11367	376	4	a.	a.	PROPN
easat-11367	376	5	ruslan	ruslan	PROPN
easat-11367	376	6	,	,	PUNCT
easat-11367	376	7	c.	c.	PROPN
easat-11367	376	8	pahlevi	pahlevi	PROPN
easat-11367	376	9	,	,	PUNCT
easat-11367	376	10	s.	s.	PROPN
easat-11367	376	11	alam	alam	PROPN
easat-11367	376	12	,	,	PUNCT
easat-11367	376	13	and	and	CCONJ
easat-11367	376	14	m.	m.	PROPN
easat-11367	376	15	nohong	nohong	PROPN
easat-11367	376	16	,	,	PUNCT
easat-11367	376	17	"	"	PUNCT
easat-11367	376	18	the	the	DET
easat-11367	376	19	role	role	NOUN
easat-11367	376	20	of	of	ADP
easat-11367	376	21	efficiency	efficiency	NOUN
easat-11367	376	22	mediation	mediation	NOUN
easat-11367	376	23	in	in	ADP
easat-11367	376	24	the	the	DET
easat-11367	376	25	effect	effect	NOUN
easat-11367	376	26	of	of	ADP
easat-11367	376	27	banks	bank	NOUN
easat-11367	376	28	size	size	VERB
easat-11367	376	29	on	on	ADP
easat-11367	376	30	bank	bank	NOUN
easat-11367	376	31	profitability	profitability	NOUN
easat-11367	376	32	in	in	ADP
easat-11367	376	33	indonesia	indonesia	PROPN
easat-11367	376	34	,	,	PUNCT
easat-11367	376	35	"	"	PUNCT
easat-11367	376	36	hasanuddin	hasanuddin	VERB
easat-11367	376	37	economics	economic	NOUN
easat-11367	376	38	and	and	CCONJ
easat-11367	376	39	business	business	NOUN
easat-11367	376	40	review	review	PROPN
easat-11367	376	41	,	,	PUNCT
easat-11367	376	42	vol	vol	NOUN
easat-11367	376	43	.	.	PROPN
easat-11367	377	1	3	3	NUM
easat-11367	377	2	,	,	PUNCT
easat-11367	377	3	no	no	INTJ
easat-11367	377	4	.	.	NOUN
easat-11367	377	5	1	1	NUM
easat-11367	377	6	,	,	PUNCT
easat-11367	377	7	pp	pp	ADJ
easat-11367	377	8	.	.	PUNCT
easat-11367	378	1	49	49	NUM
easat-11367	378	2	-	-	SYM
easat-11367	378	3	58	58	NUM
easat-11367	378	4	,	,	PUNCT
easat-11367	378	5	2019	2019	NUM
easat-11367	378	6	.	.	PUNCT
easat-11367	379	1	https://doi.org/10.26487/hebr.v3i1.1846	https://doi.org/10.26487/hebr.v3i1.1846	VERB
easat-11367	380	1	[	[	X
easat-11367	380	2	45	45	NUM
easat-11367	380	3	]	]	PUNCT
easat-11367	380	4	k.	k.	PROPN
easat-11367	380	5	ali	ali	PROPN
easat-11367	380	6	,	,	PUNCT
easat-11367	380	7	m.	m.	PROPN
easat-11367	380	8	f.	f.	PROPN
easat-11367	380	9	akhtar	akhtar	PROPN
easat-11367	380	10	,	,	PUNCT
easat-11367	380	11	and	and	CCONJ
easat-11367	380	12	h.	h.	PROPN
easat-11367	380	13	z.	z.	PROPN
easat-11367	380	14	ahmed	ahmed	PROPN
easat-11367	380	15	,	,	PUNCT
easat-11367	380	16	"	"	PUNCT
easat-11367	380	17	bank	bank	NOUN
easat-11367	380	18	-	-	PUNCT
easat-11367	380	19	specific	specific	ADJ
easat-11367	380	20	and	and	CCONJ
easat-11367	380	21	macroeconomic	macroeconomic	ADJ
easat-11367	380	22	indicators	indicator	NOUN
easat-11367	380	23	of	of	ADP
easat-11367	380	24	profitability	profitability	NOUN
easat-11367	380	25	-	-	PUNCT
easat-11367	380	26	empirical	empirical	ADJ
easat-11367	380	27	evidence	evidence	NOUN
easat-11367	380	28	from	from	ADP
easat-11367	380	29	the	the	DET
easat-11367	380	30	commercial	commercial	ADJ
easat-11367	380	31	banks	bank	NOUN
easat-11367	380	32	of	of	ADP
easat-11367	380	33	pakistan	pakistan	PROPN
easat-11367	380	34	,	,	PUNCT
easat-11367	380	35	"	"	PUNCT
easat-11367	380	36	international	international	ADJ
easat-11367	380	37	journal	journal	NOUN
easat-11367	380	38	of	of	ADP
easat-11367	380	39	business	business	NOUN
easat-11367	380	40	and	and	CCONJ
easat-11367	380	41	social	social	ADJ
easat-11367	380	42	science	science	NOUN
easat-11367	380	43	,	,	PUNCT
easat-11367	380	44	vol	vol	NOUN
easat-11367	380	45	.	.	PROPN
easat-11367	380	46	2	2	NUM
easat-11367	380	47	,	,	PUNCT
easat-11367	380	48	no	no	INTJ
easat-11367	380	49	.	.	NOUN
easat-11367	380	50	6	6	NUM
easat-11367	380	51	,	,	PUNCT
easat-11367	380	52	pp	pp	ADJ
easat-11367	380	53	.	.	PUNCT
easat-11367	381	1	235	235	NUM
easat-11367	381	2	-	-	SYM
easat-11367	381	3	242	242	NUM
easat-11367	381	4	,	,	PUNCT
easat-11367	381	5	2011	2011	NUM
easat-11367	381	6	.	.	PUNCT
easat-11367	382	1	[	[	X
easat-11367	382	2	46	46	NUM
easat-11367	382	3	]	]	PUNCT
easat-11367	382	4	m.	m.	PROPN
easat-11367	382	5	f.	f.	PROPN
easat-11367	382	6	akhtar	akhtar	PROPN
easat-11367	382	7	,	,	PUNCT
easat-11367	382	8	k.	k.	PROPN
easat-11367	382	9	ali	ali	PROPN
easat-11367	382	10	,	,	PUNCT
easat-11367	382	11	and	and	CCONJ
easat-11367	382	12	s.	s.	PROPN
easat-11367	382	13	sadaqat	sadaqat	PROPN
easat-11367	382	14	,	,	PUNCT
easat-11367	382	15	"	"	PUNCT
easat-11367	382	16	factors	factor	NOUN
easat-11367	382	17	influencing	influence	VERB
easat-11367	382	18	the	the	DET
easat-11367	382	19	profitability	profitability	NOUN
easat-11367	382	20	of	of	ADP
easat-11367	382	21	islamic	islamic	ADJ
easat-11367	382	22	banks	bank	NOUN
easat-11367	382	23	of	of	ADP
easat-11367	382	24	pakistan	pakistan	PROPN
easat-11367	382	25	,	,	PUNCT
easat-11367	382	26	"	"	PUNCT
easat-11367	382	27	international	international	ADJ
easat-11367	382	28	research	research	NOUN
easat-11367	382	29	journal	journal	NOUN
easat-11367	382	30	of	of	ADP
easat-11367	382	31	finance	finance	NOUN
easat-11367	382	32	and	and	CCONJ
easat-11367	382	33	economics	economic	NOUN
easat-11367	382	34	,	,	PUNCT
easat-11367	382	35	vol	vol	NOUN
easat-11367	382	36	.	.	PROPN
easat-11367	382	37	66	66	NUM
easat-11367	382	38	,	,	PUNCT
easat-11367	382	39	no	no	INTJ
easat-11367	382	40	.	.	PROPN
easat-11367	382	41	66	66	NUM
easat-11367	382	42	,	,	PUNCT
easat-11367	382	43	pp	pp	ADJ
easat-11367	382	44	.	.	PUNCT
easat-11367	383	1	1	1	NUM
easat-11367	383	2	-	-	SYM
easat-11367	383	3	8	8	NUM
easat-11367	383	4	,	,	PUNCT
easat-11367	383	5	2011	2011	NUM
easat-11367	383	6	.	.	PUNCT
easat-11367	384	1	[	[	X
easat-11367	384	2	47	47	NUM
easat-11367	384	3	]	]	X
easat-11367	384	4	n.	n.	NOUN
easat-11367	384	5	iloska	iloska	NOUN
easat-11367	384	6	,	,	PUNCT
easat-11367	384	7	"	"	PUNCT
easat-11367	384	8	an	an	DET
easat-11367	384	9	analysis	analysis	NOUN
easat-11367	384	10	of	of	ADP
easat-11367	384	11	bank	bank	NOUN
easat-11367	384	12	profitability	profitability	NOUN
easat-11367	384	13	in	in	ADP
easat-11367	384	14	macedonia	macedonia	NOUN
easat-11367	384	15	,	,	PUNCT
easat-11367	384	16	"	"	PUNCT
easat-11367	384	17	journal	journal	NOUN
easat-11367	384	18	of	of	ADP
easat-11367	384	19	applied	apply	VERB
easat-11367	384	20	economics	economic	NOUN
easat-11367	384	21	and	and	CCONJ
easat-11367	384	22	business	business	NOUN
easat-11367	384	23	,	,	PUNCT
easat-11367	384	24	vol	vol	NOUN
easat-11367	384	25	.	.	PROPN
easat-11367	384	26	2	2	NUM
easat-11367	384	27	,	,	PUNCT
easat-11367	384	28	no	no	INTJ
easat-11367	384	29	.	.	NOUN
easat-11367	384	30	1	1	NUM
easat-11367	384	31	,	,	PUNCT
easat-11367	384	32	pp	pp	ADJ
easat-11367	384	33	.	.	PUNCT
easat-11367	385	1	31	31	NUM
easat-11367	385	2	-	-	SYM
easat-11367	385	3	50	50	NUM
easat-11367	385	4	,	,	PUNCT
easat-11367	385	5	2014	2014	NUM
easat-11367	385	6	.	.	PUNCT
easat-11367	386	1	[	[	X
easat-11367	386	2	48	48	NUM
easat-11367	386	3	]	]	PUNCT
easat-11367	386	4	j.	j.	PROPN
easat-11367	386	5	c.	c.	PROPN
easat-11367	386	6	arias	arias	PROPN
easat-11367	386	7	,	,	PUNCT
easat-11367	386	8	"	"	PUNCT
easat-11367	386	9	banking	banking	NOUN
easat-11367	386	10	profitability	profitability	NOUN
easat-11367	386	11	determinants	determinant	NOUN
easat-11367	386	12	,	,	PUNCT
easat-11367	386	13	"	"	PUNCT
easat-11367	386	14	business	business	NOUN
easat-11367	386	15	intelligence	intelligence	NOUN
easat-11367	386	16	journal	journal	NOUN
easat-11367	386	17	,	,	PUNCT
easat-11367	386	18	vol	vol	NOUN
easat-11367	386	19	.	.	PROPN
easat-11367	386	20	4	4	NUM
easat-11367	386	21	,	,	PUNCT
easat-11367	386	22	no	no	INTJ
easat-11367	386	23	.	.	NOUN
easat-11367	386	24	2	2	NUM
easat-11367	386	25	,	,	PUNCT
easat-11367	386	26	pp	pp	ADJ
easat-11367	386	27	.	.	PUNCT
easat-11367	387	1	209	209	NUM
easat-11367	387	2	-	-	SYM
easat-11367	387	3	230	230	NUM
easat-11367	387	4	,	,	PUNCT
easat-11367	387	5	2011	2011	NUM
easat-11367	387	6	.	.	PUNCT
easat-11367	388	1	[	[	X
easat-11367	388	2	49	49	NUM
easat-11367	388	3	]	]	PUNCT
easat-11367	388	4	a.	a.	NOUN
easat-11367	388	5	roman	roman	PROPN
easat-11367	388	6	and	and	CCONJ
easat-11367	388	7	a.	a.	PROPN
easat-11367	388	8	e.	e.	PROPN
easat-11367	388	9	danuletiu	danuletiu	PROPN
easat-11367	388	10	,	,	PUNCT
easat-11367	388	11	"	"	PUNCT
easat-11367	388	12	an	an	DET
easat-11367	388	13	empirical	empirical	ADJ
easat-11367	388	14	analysis	analysis	NOUN
easat-11367	388	15	of	of	ADP
easat-11367	388	16	the	the	DET
easat-11367	388	17	determinants	determinant	NOUN
easat-11367	388	18	of	of	ADP
easat-11367	388	19	bank	bank	NOUN
easat-11367	388	20	profitability	profitability	NOUN
easat-11367	388	21	in	in	ADP
easat-11367	388	22	romania	romania	PROPN
easat-11367	388	23	,	,	PUNCT
easat-11367	388	24	"	"	PUNCT
easat-11367	388	25	annales	annale	VERB
easat-11367	388	26	universitatis	universitatis	ADJ
easat-11367	388	27	apulensis	apulensis	NOUN
easat-11367	388	28	:	:	PUNCT
easat-11367	388	29	series	series	PROPN
easat-11367	388	30	oeconomica	oeconomica	PROPN
easat-11367	388	31	,	,	PUNCT
easat-11367	388	32	vol	vol	NOUN
easat-11367	388	33	.	.	PROPN
easat-11367	388	34	15	15	NUM
easat-11367	388	35	,	,	PUNCT
easat-11367	388	36	no	no	INTJ
easat-11367	388	37	.	.	NOUN
easat-11367	388	38	2	2	NUM
easat-11367	388	39	,	,	PUNCT
easat-11367	388	40	p.	p.	NOUN
easat-11367	388	41	580	580	NUM
easat-11367	388	42	,	,	PUNCT
easat-11367	388	43	2013	2013	NUM
easat-11367	388	44	.	.	PUNCT
easat-11367	389	1	[	[	X
easat-11367	389	2	50	50	NUM
easat-11367	389	3	]	]	PUNCT
easat-11367	389	4	yemen	yemen	PROPN
easat-11367	389	5	banks	banks	PROPN
easat-11367	389	6	association	association	PROPN
easat-11367	389	7	,	,	PUNCT
easat-11367	389	8	"	"	PUNCT
easat-11367	389	9	homepage	homepage	NOUN
easat-11367	389	10	,	,	PUNCT
easat-11367	389	11	"	"	PUNCT
easat-11367	389	12	2025	2025	NUM
easat-11367	389	13	.	.	PUNCT
easat-11367	390	1	https://yba.org.ye/index.php/ar/.	https://yba.org.ye/index.php/ar/.	NOUN
easat-11367	390	2	[	[	X
easat-11367	390	3	accessed	access	VERB
easat-11367	390	4	jan	jan	PROPN
easat-11367	390	5	.	.	PROPN
easat-11367	390	6	12	12	NUM
easat-11367	390	7	,	,	PUNCT
easat-11367	390	8	2025	2025	NUM
easat-11367	390	9	]	]	PUNCT
easat-11367	391	1	[	[	X
easat-11367	391	2	51	51	NUM
easat-11367	391	3	]	]	PUNCT
easat-11367	391	4	a.	a.	NOUN
easat-11367	391	5	n.	n.	PROPN
easat-11367	391	6	q.	q.	PROPN
easat-11367	391	7	sang	sing	VERB
easat-11367	391	8	tang	tang	PROPN
easat-11367	391	9	my	my	PRON
easat-11367	391	10	,	,	PUNCT
easat-11367	391	11	"	"	PUNCT
easat-11367	391	12	the	the	DET
easat-11367	391	13	relationship	relationship	NOUN
easat-11367	391	14	between	between	ADP
easat-11367	391	15	credit	credit	NOUN
easat-11367	391	16	risk	risk	NOUN
easat-11367	391	17	and	and	CCONJ
easat-11367	391	18	bank	bank	NOUN
easat-11367	391	19	financial	financial	ADJ
easat-11367	391	20	stability	stability	NOUN
easat-11367	391	21	:	:	PUNCT
easat-11367	391	22	the	the	DET
easat-11367	391	23	mediating	mediate	VERB
easat-11367	391	24	role	role	NOUN
easat-11367	391	25	of	of	ADP
easat-11367	391	26	bank	bank	NOUN
easat-11367	391	27	profitability	profitability	NOUN
easat-11367	391	28	,	,	PUNCT
easat-11367	391	29	"	"	PUNCT
easat-11367	391	30	journal	journal	NOUN
easat-11367	391	31	of	of	ADP
easat-11367	391	32	hunan	hunan	PROPN
easat-11367	391	33	university	university	PROPN
easat-11367	391	34	natural	natural	ADJ
easat-11367	391	35	sciences	sciences	PROPN
easat-11367	391	36	,	,	PUNCT
easat-11367	391	37	vol	vol	NOUN
easat-11367	391	38	.	.	PROPN
easat-11367	391	39	49	49	NUM
easat-11367	391	40	,	,	PUNCT
easat-11367	391	41	no	no	INTJ
easat-11367	391	42	.	.	NOUN
easat-11367	391	43	1	1	NUM
easat-11367	391	44	,	,	PUNCT
easat-11367	391	45	2022	2022	NUM
easat-11367	391	46	.	.	PUNCT
easat-11367	392	1	https://doi.org/10.55463/issn.1674-2974.49.1.32	https://doi.org/10.55463/issn.1674-2974.49.1.32	PROPN
easat-11367	393	1	[	[	X
easat-11367	393	2	52	52	NUM
easat-11367	393	3	]	]	PUNCT
easat-11367	393	4	a.	a.	PROPN
easat-11367	393	5	c.	c.	PROPN
easat-11367	393	6	cameron	cameron	PROPN
easat-11367	393	7	,	,	PUNCT
easat-11367	393	8	microeconometrics	microeconometric	NOUN
easat-11367	393	9	:	:	PUNCT
easat-11367	393	10	methods	method	NOUN
easat-11367	393	11	and	and	CCONJ
easat-11367	393	12	applications	application	NOUN
easat-11367	393	13	.	.	PUNCT
easat-11367	394	1	cambridge	cambridge	PROPN
easat-11367	394	2	,	,	PUNCT
easat-11367	394	3	uk	uk	PROPN
easat-11367	394	4	:	:	PUNCT
easat-11367	394	5	cambridge	cambridge	PROPN
easat-11367	394	6	university	university	PROPN
easat-11367	394	7	press	press	NOUN
easat-11367	394	8	,	,	PUNCT
easat-11367	394	9	2005	2005	NUM
easat-11367	394	10	.	.	PUNCT
easat-11367	395	1	[	[	X
easat-11367	395	2	53	53	NUM
easat-11367	395	3	]	]	PUNCT
easat-11367	395	4	w.	w.	PROPN
easat-11367	395	5	h.	h.	PROPN
easat-11367	395	6	greene	greene	PROPN
easat-11367	395	7	,	,	PUNCT
easat-11367	395	8	econometric	econometric	ADJ
easat-11367	395	9	analysis	analysis	NOUN
easat-11367	395	10	,	,	PUNCT
easat-11367	395	11	8th	8th	ADJ
easat-11367	395	12	ed	ed	NOUN
easat-11367	395	13	.	.	PUNCT
easat-11367	395	14	harlow	harlow	PROPN
easat-11367	395	15	,	,	PUNCT
easat-11367	395	16	england	england	PROPN
easat-11367	395	17	:	:	PUNCT
easat-11367	395	18	pearson	pearson	PROPN
easat-11367	395	19	,	,	PUNCT
easat-11367	395	20	2021	2021	NUM
easat-11367	395	21	.	.	PUNCT
easat-11367	396	1	[	[	X
easat-11367	396	2	54	54	NUM
easat-11367	396	3	]	]	X
easat-11367	396	4	c.	c.	PROPN
easat-11367	396	5	hsiao	hsiao	PROPN
easat-11367	396	6	,	,	PUNCT
easat-11367	396	7	analysis	analysis	NOUN
easat-11367	396	8	of	of	ADP
easat-11367	396	9	panel	panel	NOUN
easat-11367	396	10	data	datum	NOUN
easat-11367	396	11	.	.	PUNCT
easat-11367	397	1	cambridge	cambridge	PROPN
easat-11367	397	2	:	:	PUNCT
easat-11367	397	3	cambridge	cambridge	PROPN
easat-11367	397	4	university	university	PROPN
easat-11367	397	5	press	press	NOUN
easat-11367	397	6	,	,	PUNCT
easat-11367	397	7	1986	1986	NUM
easat-11367	397	8	.	.	PUNCT
easat-11367	398	1	https://doi.org/10.21511/bbs.15(1).2020.03	https://doi.org/10.21511/bbs.15(1).2020.03	X
easat-11367	398	2	http://dx.doi.org/10.21511/bbs.12(3-1).2017.03	http://dx.doi.org/10.21511/bbs.12(3-1).2017.03	PROPN
easat-11367	398	3	https://www.um.edu.mt/library/oar/handle/123456789/43353	https://www.um.edu.mt/library/oar/handle/123456789/43353	PROPN
easat-11367	398	4	https://doi.org/10.1057/palgrave.jbr.2350057	https://doi.org/10.1057/palgrave.jbr.2350057	VERB
easat-11367	398	5	https://doi.org/10.21511/bbs.15(2).2020.18	https://doi.org/10.21511/bbs.15(2).2020.18	PRON
easat-11367	398	6	https://doi.org/10.36941/ajis-2021-0090	https://doi.org/10.36941/ajis-2021-0090	PUNCT
easat-11367	398	7	https://doi.org/10.26487/hebr.v3i1.1846	https://doi.org/10.26487/hebr.v3i1.1846	PROPN
easat-11367	398	8	https://yba.org.ye/index.php/ar/	https://yba.org.ye/index.php/ar/	NUM
easat-11367	398	9	https://doi.org/10.55463/issn.1674-2974.49.1.32	https://doi.org/10.55463/issn.1674-2974.49.1.32	PROPN
easat-11367	398	10	363	363	NUM
easat-11367	398	11	edelweiss	edelweiss	PROPN
easat-11367	398	12	applied	apply	VERB
easat-11367	398	13	science	science	NOUN
easat-11367	398	14	and	and	CCONJ
easat-11367	398	15	technology	technology	NOUN
easat-11367	398	16	issn	issn	PROPN
easat-11367	398	17	:	:	PUNCT
easat-11367	398	18	2576	2576	NUM
easat-11367	398	19	-	-	SYM
easat-11367	398	20	8484	8484	NUM
easat-11367	398	21	vol	vol	NOUN
easat-11367	398	22	.	.	PROPN
easat-11367	399	1	9	9	NUM
easat-11367	399	2	,	,	PUNCT
easat-11367	399	3	no	no	INTJ
easat-11367	399	4	.	.	NOUN
easat-11367	399	5	12	12	NUM
easat-11367	399	6	:	:	PUNCT
easat-11367	399	7	351	351	NUM
easat-11367	399	8	-	-	SYM
easat-11367	399	9	363	363	NUM
easat-11367	399	10	,	,	PUNCT
easat-11367	399	11	2025	2025	NUM
easat-11367	399	12	doi	doi	NOUN
easat-11367	399	13	:	:	PUNCT
easat-11367	399	14	10.55214/2576	10.55214/2576	NUM
easat-11367	399	15	-	-	SYM
easat-11367	399	16	8484.v9i12.11367	8484.v9i12.11367	NUM
easat-11367	400	1	©	©	PROPN
easat-11367	400	2	2025	2025	NUM
easat-11367	400	3	by	by	ADP
easat-11367	400	4	the	the	DET
easat-11367	400	5	authors	author	NOUN
easat-11367	400	6	;	;	PUNCT
easat-11367	400	7	licensee	licensee	PROPN
easat-11367	400	8	learning	learning	NOUN
easat-11367	400	9	gate	gate	NOUN
easat-11367	401	1	[	[	X
easat-11367	401	2	55	55	NUM
easat-11367	401	3	]	]	PUNCT
easat-11367	401	4	m.	m.	NOUN
easat-11367	401	5	h.	h.	PROPN
easat-11367	401	6	pesaran	pesaran	PROPN
easat-11367	401	7	,	,	PUNCT
easat-11367	401	8	"	"	PUNCT
easat-11367	401	9	a	a	DET
easat-11367	401	10	simple	simple	ADJ
easat-11367	401	11	panel	panel	NOUN
easat-11367	401	12	unit	unit	NOUN
easat-11367	401	13	root	root	NOUN
easat-11367	401	14	test	test	NOUN
easat-11367	401	15	in	in	ADP
easat-11367	401	16	the	the	DET
easat-11367	401	17	presence	presence	NOUN
easat-11367	401	18	of	of	ADP
easat-11367	401	19	cross	cross	ADJ
easat-11367	401	20	-	-	ADJ
easat-11367	401	21	section	section	ADJ
easat-11367	401	22	dependence	dependence	NOUN
easat-11367	401	23	,	,	PUNCT
easat-11367	401	24	"	"	PUNCT
easat-11367	401	25	cambridge	cambridge	NOUN
easat-11367	401	26	working	work	VERB
easat-11367	401	27	papers	paper	NOUN
easat-11367	401	28	in	in	ADP
easat-11367	401	29	economics	economic	NOUN
easat-11367	401	30	,	,	PUNCT
easat-11367	401	31	no	no	INTJ
easat-11367	401	32	.	.	NOUN
easat-11367	401	33	0346	0346	NUM
easat-11367	401	34	,	,	PUNCT
easat-11367	401	35	2003	2003	NUM
easat-11367	402	1	.	.	PUNCT
easat-11367	403	1	[	[	X
easat-11367	403	2	56	56	NUM
easat-11367	403	3	]	]	X
easat-11367	403	4	m.	m.	NOUN
easat-11367	403	5	h.	h.	PROPN
easat-11367	403	6	pesaran	pesaran	PROPN
easat-11367	403	7	,	,	PUNCT
easat-11367	403	8	"	"	PUNCT
easat-11367	403	9	a	a	DET
easat-11367	403	10	simple	simple	ADJ
easat-11367	403	11	panel	panel	NOUN
easat-11367	403	12	unit	unit	NOUN
easat-11367	403	13	root	root	NOUN
easat-11367	403	14	test	test	NOUN
easat-11367	403	15	in	in	ADP
easat-11367	403	16	the	the	DET
easat-11367	403	17	presence	presence	NOUN
easat-11367	403	18	of	of	ADP
easat-11367	403	19	cross	cross	ADJ
easat-11367	403	20	-	-	ADJ
easat-11367	403	21	sectional	sectional	ADJ
easat-11367	403	22	dependence	dependence	NOUN
easat-11367	403	23	,	,	PUNCT
easat-11367	403	24	"	"	PUNCT
easat-11367	403	25	journal	journal	NOUN
easat-11367	403	26	of	of	ADP
easat-11367	403	27	applied	apply	VERB
easat-11367	403	28	econometrics	econometric	NOUN
easat-11367	403	29	,	,	PUNCT
easat-11367	403	30	vol	vol	NOUN
easat-11367	403	31	.	.	PROPN
easat-11367	403	32	22	22	NUM
easat-11367	403	33	,	,	PUNCT
easat-11367	403	34	no	no	INTJ
easat-11367	403	35	.	.	NOUN
easat-11367	403	36	2	2	NUM
easat-11367	403	37	,	,	PUNCT
easat-11367	403	38	pp	pp	ADJ
easat-11367	403	39	.	.	PUNCT
easat-11367	404	1	265–312	265–312	NUM
easat-11367	404	2	,	,	PUNCT
easat-11367	404	3	2007	2007	NUM
easat-11367	404	4	.	.	PUNCT
easat-11367	405	1	https://doi.org/10.1002/jae.951	https://doi.org/10.1002/jae.951	PROPN
easat-11367	406	1	[	[	X
easat-11367	406	2	57	57	NUM
easat-11367	406	3	]	]	PUNCT
easat-11367	406	4	r.	r.	PROPN
easat-11367	406	5	bourbonnais	bourbonnais	PROPN
easat-11367	406	6	,	,	PUNCT
easat-11367	406	7	econometrics	econometric	NOUN
easat-11367	406	8	–	–	PUNCT
easat-11367	406	9	9th	9th	ADJ
easat-11367	406	10	edition	edition	NOUN
easat-11367	406	11	:	:	PUNCT
easat-11367	406	12	course	course	NOUN
easat-11367	406	13	and	and	CCONJ
easat-11367	406	14	solved	solve	VERB
easat-11367	406	15	exercises	exercise	NOUN
easat-11367	406	16	.	.	PUNCT
easat-11367	407	1	paris	paris	PROPN
easat-11367	407	2	:	:	PUNCT
easat-11367	407	3	dunod	dunod	PROPN
easat-11367	407	4	,	,	PUNCT
easat-11367	407	5	2015	2015	NUM
easat-11367	407	6	.	.	PUNCT
easat-11367	408	1	[	[	X
easat-11367	408	2	58	58	NUM
easat-11367	408	3	]	]	PUNCT
easat-11367	408	4	m.	m.	NOUN
easat-11367	408	5	verbeek	verbeek	NOUN
easat-11367	408	6	,	,	PUNCT
easat-11367	408	7	panel	panel	NOUN
easat-11367	408	8	methods	method	NOUN
easat-11367	408	9	for	for	ADP
easat-11367	408	10	finance	finance	NOUN
easat-11367	408	11	:	:	PUNCT
easat-11367	408	12	a	a	DET
easat-11367	408	13	guide	guide	NOUN
easat-11367	408	14	to	to	ADP
easat-11367	408	15	panel	panel	NOUN
easat-11367	408	16	data	datum	NOUN
easat-11367	408	17	econometrics	econometric	NOUN
easat-11367	408	18	for	for	ADP
easat-11367	408	19	financial	financial	ADJ
easat-11367	408	20	applications	application	NOUN
easat-11367	408	21	.	.	PUNCT
easat-11367	409	1	berlin	berlin	PROPN
easat-11367	409	2	,	,	PUNCT
easat-11367	409	3	germany	germany	PROPN
easat-11367	409	4	:	:	PUNCT
easat-11367	409	5	de	de	NOUN
easat-11367	409	6	gruyter	gruyter	NOUN
easat-11367	409	7	,	,	PUNCT
easat-11367	409	8	2021	2021	NUM
easat-11367	409	9	.	.	PUNCT
easat-11367	410	1	[	[	X
easat-11367	410	2	59	59	NUM
easat-11367	410	3	]	]	X
easat-11367	410	4	c.	c.	PROPN
easat-11367	410	5	hurlin	hurlin	PROPN
easat-11367	410	6	and	and	CCONJ
easat-11367	410	7	v.	v.	ADP
easat-11367	410	8	mignon	mignon	NOUN
easat-11367	410	9	,	,	PUNCT
easat-11367	410	10	"	"	PUNCT
easat-11367	410	11	second	second	ADJ
easat-11367	410	12	generation	generation	NOUN
easat-11367	410	13	panel	panel	NOUN
easat-11367	410	14	unit	unit	NOUN
easat-11367	410	15	root	root	NOUN
easat-11367	410	16	tests	test	NOUN
easat-11367	410	17	,	,	PUNCT
easat-11367	410	18	"	"	PUNCT
easat-11367	410	19	2007	2007	NUM
easat-11367	410	20	.	.	PUNCT
easat-11367	411	1	https://shs.hal.science/halshs-00159842/	https://shs.hal.science/halshs-00159842/	NOUN
easat-11367	412	1	[	[	X
easat-11367	412	2	60	60	NUM
easat-11367	412	3	]	]	PUNCT
easat-11367	412	4	a.	a.	NOUN
easat-11367	412	5	a.	a.	NOUN
easat-11367	412	6	rafindadi	rafindadi	PROPN
easat-11367	412	7	and	and	CCONJ
easat-11367	412	8	z.	z.	PROPN
easat-11367	412	9	yosuf	yosuf	PROPN
easat-11367	412	10	,	,	PUNCT
easat-11367	412	11	"	"	PUNCT
easat-11367	412	12	an	an	DET
easat-11367	412	13	application	application	NOUN
easat-11367	412	14	of	of	ADP
easat-11367	412	15	panel	panel	NOUN
easat-11367	412	16	ardl	ardl	NOUN
easat-11367	412	17	in	in	ADP
easat-11367	412	18	analysing	analyse	VERB
easat-11367	412	19	the	the	DET
easat-11367	412	20	dynamics	dynamic	NOUN
easat-11367	412	21	of	of	ADP
easat-11367	412	22	financial	financial	ADJ
easat-11367	412	23	development	development	NOUN
easat-11367	412	24	and	and	CCONJ
easat-11367	412	25	economic	economic	ADJ
easat-11367	412	26	growth	growth	NOUN
easat-11367	412	27	in	in	ADP
easat-11367	412	28	38	38	NUM
easat-11367	412	29	sub	sub	ADJ
easat-11367	412	30	-	-	ADJ
easat-11367	412	31	saharan	saharan	ADJ
easat-11367	412	32	african	african	ADJ
easat-11367	412	33	continents	continent	NOUN
easat-11367	412	34	,	,	PUNCT
easat-11367	412	35	"	"	PUNCT
easat-11367	412	36	in	in	ADP
easat-11367	412	37	proceeding	proceeding	NOUN
easat-11367	412	38	-	-	PUNCT
easat-11367	412	39	kuala	kuala	PROPN
easat-11367	412	40	lumpur	lumpur	PROPN
easat-11367	412	41	international	international	PROPN
easat-11367	412	42	business	business	NOUN
easat-11367	412	43	,	,	PUNCT
easat-11367	412	44	economics	economic	NOUN
easat-11367	412	45	and	and	CCONJ
easat-11367	412	46	law	law	NOUN
easat-11367	412	47	conference	conference	NOUN
easat-11367	412	48	,	,	PUNCT
easat-11367	412	49	2013	2013	NUM
easat-11367	412	50	.	.	PUNCT
easat-11367	413	1	[	[	X
easat-11367	413	2	61	61	NUM
easat-11367	413	3	]	]	PUNCT
easat-11367	413	4	m.	m.	NOUN
easat-11367	413	5	h.	h.	PROPN
easat-11367	413	6	pesaran	pesaran	PROPN
easat-11367	413	7	and	and	CCONJ
easat-11367	413	8	y.	y.	PROPN
easat-11367	413	9	xie	xie	PROPN
easat-11367	413	10	,	,	PUNCT
easat-11367	413	11	"	"	PUNCT
easat-11367	413	12	a	a	DET
easat-11367	413	13	bias	bias	NOUN
easat-11367	413	14	-	-	PUNCT
easat-11367	413	15	corrected	correct	VERB
easat-11367	413	16	scaled	scale	VERB
easat-11367	413	17	lm	lm	INTJ
easat-11367	413	18	test	test	NOUN
easat-11367	413	19	of	of	ADP
easat-11367	413	20	error	error	NOUN
easat-11367	413	21	cross	cross	ADJ
easat-11367	413	22	-	-	ADJ
easat-11367	413	23	section	section	ADJ
easat-11367	413	24	independence	independence	NOUN
easat-11367	413	25	in	in	ADP
easat-11367	413	26	panel	panel	NOUN
easat-11367	413	27	data	datum	NOUN
easat-11367	413	28	models	model	NOUN
easat-11367	413	29	,	,	PUNCT
easat-11367	413	30	"	"	PUNCT
easat-11367	413	31	journal	journal	NOUN
easat-11367	413	32	of	of	ADP
easat-11367	413	33	econometrics	econometric	NOUN
easat-11367	413	34	,	,	PUNCT
easat-11367	413	35	vol	vol	NOUN
easat-11367	413	36	.	.	NOUN
easat-11367	413	37	220	220	NUM
easat-11367	413	38	,	,	PUNCT
easat-11367	413	39	no	no	INTJ
easat-11367	413	40	.	.	NOUN
easat-11367	413	41	2	2	NUM
easat-11367	413	42	,	,	PUNCT
easat-11367	413	43	pp	pp	ADJ
easat-11367	413	44	.	.	PUNCT
easat-11367	414	1	448–465	448–465	NUM
easat-11367	414	2	,	,	PUNCT
easat-11367	414	3	2021	2021	NUM
easat-11367	414	4	.	.	PUNCT
easat-11367	415	1	[	[	X
easat-11367	415	2	62	62	NUM
easat-11367	415	3	]	]	PUNCT
easat-11367	415	4	j.	j.	PROPN
easat-11367	415	5	fan	fan	PROPN
easat-11367	415	6	,	,	PUNCT
easat-11367	415	7	y.	y.	PROPN
easat-11367	415	8	liao	liao	PROPN
easat-11367	415	9	,	,	PUNCT
easat-11367	415	10	and	and	CCONJ
easat-11367	415	11	j.	j.	PROPN
easat-11367	415	12	yao	yao	PROPN
easat-11367	415	13	,	,	PUNCT
easat-11367	415	14	"	"	PUNCT
easat-11367	415	15	power	power	NOUN
easat-11367	415	16	enhancement	enhancement	NOUN
easat-11367	415	17	in	in	ADP
easat-11367	415	18	high	high	ADJ
easat-11367	415	19	-	-	PUNCT
easat-11367	415	20	dimensional	dimensional	ADJ
easat-11367	415	21	cross	cross	ADJ
easat-11367	415	22	-	-	ADJ
easat-11367	415	23	sectional	sectional	ADJ
easat-11367	415	24	independence	independence	NOUN
easat-11367	415	25	testing	testing	NOUN
easat-11367	415	26	,	,	PUNCT
easat-11367	415	27	"	"	PUNCT
easat-11367	415	28	test	test	NOUN
easat-11367	415	29	,	,	PUNCT
easat-11367	415	30	vol	vol	NOUN
easat-11367	415	31	.	.	PROPN
easat-11367	415	32	24	24	NUM
easat-11367	415	33	,	,	PUNCT
easat-11367	415	34	no	no	INTJ
easat-11367	415	35	.	.	NOUN
easat-11367	415	36	1	1	NUM
easat-11367	415	37	,	,	PUNCT
easat-11367	415	38	pp	pp	ADJ
easat-11367	415	39	.	.	PUNCT
easat-11367	416	1	86–111	86–111	NUM
easat-11367	416	2	,	,	PUNCT
easat-11367	416	3	2015	2015	NUM
easat-11367	416	4	.	.	PUNCT
easat-11367	417	1	[	[	X
easat-11367	417	2	63	63	NUM
easat-11367	417	3	]	]	PUNCT
easat-11367	417	4	a.	a.	NOUN
easat-11367	417	5	juodis	juodis	PROPN
easat-11367	417	6	and	and	CCONJ
easat-11367	417	7	s.	s.	PROPN
easat-11367	417	8	reese	reese	PROPN
easat-11367	417	9	,	,	PUNCT
easat-11367	417	10	"	"	PUNCT
easat-11367	417	11	robust	robust	ADJ
easat-11367	417	12	testing	testing	NOUN
easat-11367	417	13	for	for	ADP
easat-11367	417	14	cross	cross	ADJ
easat-11367	417	15	-	-	ADJ
easat-11367	417	16	sectional	sectional	ADJ
easat-11367	417	17	dependence	dependence	NOUN
easat-11367	417	18	in	in	ADP
easat-11367	417	19	large	large	ADJ
easat-11367	417	20	heterogeneous	heterogeneous	ADJ
easat-11367	417	21	panels	panel	NOUN
easat-11367	417	22	,	,	PUNCT
easat-11367	417	23	"	"	PUNCT
easat-11367	417	24	journal	journal	NOUN
easat-11367	417	25	of	of	ADP
easat-11367	417	26	business	business	PROPN
easat-11367	417	27	&	&	CCONJ
easat-11367	417	28	economic	economic	ADJ
easat-11367	417	29	statistics	statistic	NOUN
easat-11367	417	30	,	,	PUNCT
easat-11367	417	31	vol	vol	NOUN
easat-11367	417	32	.	.	PROPN
easat-11367	417	33	39	39	NUM
easat-11367	417	34	,	,	PUNCT
easat-11367	417	35	no	no	INTJ
easat-11367	417	36	.	.	NOUN
easat-11367	417	37	2	2	NUM
easat-11367	417	38	,	,	PUNCT
easat-11367	417	39	pp	pp	ADJ
easat-11367	417	40	.	.	PUNCT
easat-11367	418	1	280–294	280–294	NUM
easat-11367	418	2	,	,	PUNCT
easat-11367	418	3	2021	2021	NUM
easat-11367	418	4	.	.	PUNCT
easat-11367	419	1	[	[	X
easat-11367	419	2	64	64	NUM
easat-11367	419	3	]	]	PUNCT
easat-11367	419	4	m.	m.	NOUN
easat-11367	419	5	h.	h.	PROPN
easat-11367	419	6	pesaran	pesaran	PROPN
easat-11367	419	7	,	,	PUNCT
easat-11367	419	8	"	"	PUNCT
easat-11367	419	9	testing	test	VERB
easat-11367	419	10	weak	weak	ADJ
easat-11367	419	11	cross	cross	ADJ
easat-11367	419	12	-	-	ADJ
easat-11367	419	13	sectional	sectional	ADJ
easat-11367	419	14	dependence	dependence	NOUN
easat-11367	419	15	in	in	ADP
easat-11367	419	16	large	large	ADJ
easat-11367	419	17	panels	panel	NOUN
easat-11367	419	18	,	,	PUNCT
easat-11367	419	19	"	"	PUNCT
easat-11367	419	20	econometric	econometric	ADJ
easat-11367	419	21	reviews	review	NOUN
easat-11367	419	22	,	,	PUNCT
easat-11367	419	23	vol	vol	NOUN
easat-11367	419	24	.	.	PROPN
easat-11367	420	1	34	34	NUM
easat-11367	420	2	,	,	PUNCT
easat-11367	420	3	no	no	INTJ
easat-11367	420	4	.	.	PUNCT
easat-11367	420	5	6–10	6–10	NOUN
easat-11367	420	6	,	,	PUNCT
easat-11367	420	7	pp	pp	X
easat-11367	420	8	.	.	PUNCT
easat-11367	421	1	1089–1117	1089–1117	NUM
easat-11367	421	2	,	,	PUNCT
easat-11367	421	3	2015	2015	NUM
easat-11367	421	4	.	.	PUNCT
easat-11367	422	1	[	[	X
easat-11367	422	2	65	65	NUM
easat-11367	422	3	]	]	X
easat-11367	422	4	m.	m.	NOUN
easat-11367	422	5	h.	h.	PROPN
easat-11367	422	6	pesaran	pesaran	PROPN
easat-11367	422	7	,	,	PUNCT
easat-11367	422	8	"	"	PUNCT
easat-11367	422	9	general	general	ADJ
easat-11367	422	10	diagnostic	diagnostic	ADJ
easat-11367	422	11	tests	test	NOUN
easat-11367	422	12	for	for	ADP
easat-11367	422	13	cross	cross	ADJ
easat-11367	422	14	-	-	ADJ
easat-11367	422	15	sectional	sectional	ADJ
easat-11367	422	16	dependence	dependence	NOUN
easat-11367	422	17	in	in	ADP
easat-11367	422	18	panels	panel	NOUN
easat-11367	422	19	,	,	PUNCT
easat-11367	422	20	"	"	PUNCT
easat-11367	422	21	empirical	empirical	ADJ
easat-11367	422	22	economics	economic	NOUN
easat-11367	422	23	,	,	PUNCT
easat-11367	422	24	vol	vol	NOUN
easat-11367	422	25	.	.	PROPN
easat-11367	422	26	60	60	NUM
easat-11367	422	27	,	,	PUNCT
easat-11367	422	28	no	no	INTJ
easat-11367	422	29	.	.	NOUN
easat-11367	422	30	1	1	NUM
easat-11367	422	31	,	,	PUNCT
easat-11367	422	32	pp	pp	ADJ
easat-11367	422	33	.	.	PUNCT
easat-11367	423	1	13–50	13–50	NUM
easat-11367	423	2	,	,	PUNCT
easat-11367	423	3	2021	2021	NUM
easat-11367	423	4	.	.	PUNCT
easat-11367	424	1	https://doi.org/10.1002/jae.951	https://doi.org/10.1002/jae.951	PROPN
easat-11367	424	2	https://shs.hal.science/halshs-00159842/	https://shs.hal.science/halshs-00159842/	NOUN