id	sid	tid	token	lemma	pos
easat-1581	1	1	edelweiss	edelweiss	PROPN
easat-1581	1	2	applied	apply	VERB
easat-1581	1	3	science	science	NOUN
easat-1581	1	4	and	and	CCONJ
easat-1581	1	5	technology	technology	NOUN
easat-1581	1	6	issn	issn	PROPN
easat-1581	1	7	:	:	PUNCT
easat-1581	1	8	2576	2576	NUM
easat-1581	1	9	-	-	SYM
easat-1581	1	10	8484	8484	NUM
easat-1581	1	11	vol	vol	NOUN
easat-1581	1	12	.	.	PROPN
easat-1581	1	13	8	8	NUM
easat-1581	1	14	,	,	PUNCT
easat-1581	1	15	no	no	INTJ
easat-1581	1	16	.	.	NOUN
easat-1581	1	17	4	4	NUM
easat-1581	1	18	,	,	PUNCT
easat-1581	1	19	2055	2055	NUM
easat-1581	1	20	-	-	SYM
easat-1581	1	21	2062	2062	NUM
easat-1581	1	22	2024	2024	NUM
easat-1581	1	23	publisher	publisher	NOUN
easat-1581	1	24	:	:	PUNCT
easat-1581	1	25	learning	learn	VERB
easat-1581	1	26	gate	gate	NOUN
easat-1581	1	27	doi	doi	PROPN
easat-1581	1	28	:	:	PUNCT
easat-1581	1	29	10.55214/25768484.v8i4.1581	10.55214/25768484.v8i4.1581	NUM
easat-1581	1	30	©	©	PROPN
easat-1581	1	31	2024	2024	NUM
easat-1581	1	32	by	by	ADP
easat-1581	1	33	the	the	DET
easat-1581	1	34	authors	author	NOUN
easat-1581	1	35	;	;	PUNCT
easat-1581	1	36	licensee	licensee	PROPN
easat-1581	1	37	learning	learning	NOUN
easat-1581	1	38	gate	gate	NOUN
easat-1581	1	39	©	©	PROPN
easat-1581	1	40	2024	2024	NUM
easat-1581	1	41	by	by	ADP
easat-1581	1	42	the	the	DET
easat-1581	1	43	authors	author	NOUN
easat-1581	1	44	;	;	PUNCT
easat-1581	1	45	licensee	licensee	PROPN
easat-1581	1	46	learning	learn	VERB
easat-1581	1	47	gate	gate	NOUN
easat-1581	1	48	*	*	PUNCT
easat-1581	1	49	correspondence	correspondence	NOUN
easat-1581	1	50	:	:	PUNCT
easat-1581	2	1	jithinbosco@gmail.com	jithinbosco@gmail.com	X
easat-1581	2	2	loan	loan	NOUN
easat-1581	2	3	delinquency	delinquency	NOUN
easat-1581	2	4	in	in	ADP
easat-1581	2	5	private	private	ADJ
easat-1581	2	6	sector	sector	NOUN
easat-1581	2	7	banks	bank	NOUN
easat-1581	2	8	in	in	ADP
easat-1581	2	9	kerala	kerala	PROPN
easat-1581	2	10	jithin	jithin	PROPN
easat-1581	2	11	bosco	bosco	PROPN
easat-1581	2	12	k1	k1	PROPN
easat-1581	2	13	*	*	PROPN
easat-1581	2	14	,	,	PUNCT
easat-1581	2	15	b.	b.	PROPN
easat-1581	2	16	sudha2	sudha2	PROPN
easat-1581	3	1	1,2dept	1,2dept	NUM
easat-1581	3	2	of	of	ADP
easat-1581	3	3	bank	bank	NOUN
easat-1581	3	4	management	management	NOUN
easat-1581	3	5	,	,	PUNCT
easat-1581	3	6	alagappa	alagappa	PROPN
easat-1581	3	7	university	university	PROPN
easat-1581	3	8	karaikudy	karaikudy	PROPN
easat-1581	3	9	tamilnadu	tamilnadu	PROPN
easat-1581	3	10	india	india	PROPN
easat-1581	3	11	;	;	PUNCT
easat-1581	3	12	jithinbosco@gmail.com	jithinbosco@gmail.com	X
easat-1581	3	13	(	(	PUNCT
easat-1581	3	14	j.b.k	j.b.k	PROPN
easat-1581	3	15	.	.	PUNCT
easat-1581	3	16	)	)	PUNCT
easat-1581	4	1	sudhab@alagappauniversity.ac.in	sudhab@alagappauniversity.ac.in	NOUN
easat-1581	4	2	(	(	PUNCT
easat-1581	4	3	b.s	b.s	PROPN
easat-1581	4	4	.	.	PUNCT
easat-1581	4	5	)	)	PUNCT
easat-1581	5	1	abstract	abstract	NOUN
easat-1581	5	2	:	:	PUNCT
easat-1581	5	3	the	the	DET
easat-1581	5	4	indian	indian	ADJ
easat-1581	5	5	banking	banking	NOUN
easat-1581	5	6	sector	sector	NOUN
easat-1581	5	7	faces	face	VERB
easat-1581	5	8	significant	significant	ADJ
easat-1581	5	9	difficulties	difficulty	NOUN
easat-1581	5	10	in	in	ADP
easat-1581	5	11	recovering	recover	VERB
easat-1581	5	12	debt	debt	NOUN
easat-1581	5	13	.	.	PUNCT
easat-1581	6	1	the	the	DET
easat-1581	6	2	banker	banker	NOUN
easat-1581	6	3	must	must	AUX
easat-1581	6	4	understand	understand	VERB
easat-1581	6	5	the	the	DET
easat-1581	6	6	underlying	underlie	VERB
easat-1581	6	7	causes	cause	NOUN
easat-1581	6	8	of	of	ADP
easat-1581	6	9	loan	loan	NOUN
easat-1581	6	10	delinquency	delinquency	NOUN
easat-1581	6	11	to	to	PART
easat-1581	6	12	address	address	VERB
easat-1581	6	13	the	the	DET
easat-1581	6	14	problem	problem	NOUN
easat-1581	6	15	efficiently	efficiently	ADV
easat-1581	6	16	.	.	PUNCT
easat-1581	7	1	a	a	DET
easat-1581	7	2	delinquent	delinquent	ADJ
easat-1581	7	3	loan	loan	NOUN
easat-1581	7	4	becomes	become	VERB
easat-1581	7	5	a	a	DET
easat-1581	7	6	npl	npl	NOUN
easat-1581	7	7	(	(	PUNCT
easat-1581	7	8	non	non	X
easat-1581	7	9	performing	perform	VERB
easat-1581	7	10	loan	loan	NOUN
easat-1581	7	11	)	)	PUNCT
easat-1581	7	12	when	when	SCONJ
easat-1581	7	13	the	the	DET
easat-1581	7	14	borrower	borrower	NOUN
easat-1581	7	15	failed	fail	VERB
easat-1581	7	16	to	to	PART
easat-1581	7	17	repay	repay	VERB
easat-1581	7	18	the	the	DET
easat-1581	7	19	loan	loan	NOUN
easat-1581	7	20	for	for	ADP
easat-1581	7	21	a	a	DET
easat-1581	7	22	period	period	NOUN
easat-1581	7	23	of	of	ADP
easat-1581	7	24	90	90	NUM
easat-1581	7	25	days	day	NOUN
easat-1581	7	26	or	or	CCONJ
easat-1581	7	27	more	more	ADJ
easat-1581	7	28	.	.	PUNCT
easat-1581	8	1	delinquency	delinquency	NOUN
easat-1581	8	2	is	be	AUX
easat-1581	8	3	the	the	DET
easat-1581	8	4	sign	sign	NOUN
easat-1581	8	5	of	of	ADP
easat-1581	8	6	increased	increase	VERB
easat-1581	8	7	credit	credit	NOUN
easat-1581	8	8	risk	risk	NOUN
easat-1581	8	9	,	,	PUNCT
easat-1581	8	10	warnings	warning	NOUN
easat-1581	8	11	of	of	ADP
easat-1581	8	12	willful	willful	ADJ
easat-1581	8	13	default	default	NOUN
easat-1581	8	14	,	,	PUNCT
easat-1581	8	15	poor	poor	ADJ
easat-1581	8	16	asset	asset	NOUN
easat-1581	8	17	quality	quality	NOUN
easat-1581	8	18	management	management	NOUN
easat-1581	8	19	and	and	CCONJ
easat-1581	8	20	operational	operational	ADJ
easat-1581	8	21	inefficiency	inefficiency	NOUN
easat-1581	8	22	.	.	PUNCT
easat-1581	9	1	it	it	PRON
easat-1581	9	2	may	may	AUX
easat-1581	9	3	help	help	VERB
easat-1581	9	4	to	to	PART
easat-1581	9	5	predict	predict	VERB
easat-1581	9	6	the	the	DET
easat-1581	9	7	loan	loan	NOUN
easat-1581	9	8	loss	loss	NOUN
easat-1581	9	9	provision	provision	NOUN
easat-1581	9	10	for	for	ADP
easat-1581	9	11	the	the	DET
easat-1581	9	12	sub	sub	NOUN
easat-1581	9	13	standard	standard	NOUN
easat-1581	9	14	,	,	PUNCT
easat-1581	9	15	doubtful	doubtful	ADJ
easat-1581	9	16	and	and	CCONJ
easat-1581	9	17	loss	loss	NOUN
easat-1581	9	18	assets	asset	NOUN
easat-1581	9	19	.	.	PUNCT
easat-1581	10	1	this	this	DET
easat-1581	10	2	article	article	NOUN
easat-1581	10	3	explores	explore	VERB
easat-1581	10	4	the	the	DET
easat-1581	10	5	various	various	ADJ
easat-1581	10	6	causes	cause	NOUN
easat-1581	10	7	of	of	ADP
easat-1581	10	8	loan	loan	NOUN
easat-1581	10	9	delinquencies	delinquency	NOUN
easat-1581	10	10	of	of	ADP
easat-1581	10	11	private	private	ADJ
easat-1581	10	12	-	-	PUNCT
easat-1581	10	13	sector	sector	NOUN
easat-1581	10	14	banks	bank	NOUN
easat-1581	10	15	operating	operate	VERB
easat-1581	10	16	in	in	ADP
easat-1581	10	17	kerala	kerala	PROPN
easat-1581	10	18	.	.	PUNCT
easat-1581	11	1	the	the	DET
easat-1581	11	2	analysis	analysis	NOUN
easat-1581	11	3	revealed	reveal	VERB
easat-1581	11	4	that	that	SCONJ
easat-1581	11	5	the	the	DET
easat-1581	11	6	retails	retail	NOUN
easat-1581	11	7	and	and	CCONJ
easat-1581	11	8	smes	sme	NOUN
easat-1581	11	9	registered	register	VERB
easat-1581	11	10	high	high	ADJ
easat-1581	11	11	level	level	NOUN
easat-1581	11	12	of	of	ADP
easat-1581	11	13	loan	loan	NOUN
easat-1581	11	14	delinquency	delinquency	NOUN
easat-1581	11	15	.	.	PUNCT
easat-1581	12	1	a	a	DET
easat-1581	12	2	significant	significant	ADJ
easat-1581	12	3	difference	difference	NOUN
easat-1581	12	4	was	be	AUX
easat-1581	12	5	found	find	VERB
easat-1581	12	6	between	between	ADP
easat-1581	12	7	the	the	DET
easat-1581	12	8	old	old	ADJ
easat-1581	12	9	and	and	CCONJ
easat-1581	12	10	new	new	ADJ
easat-1581	12	11	generation	generation	NOUN
easat-1581	12	12	private	private	ADJ
easat-1581	12	13	sector	sector	NOUN
easat-1581	12	14	banks	bank	NOUN
easat-1581	12	15	for	for	ADP
easat-1581	12	16	the	the	DET
easat-1581	12	17	poor	poor	ADJ
easat-1581	12	18	loan	loan	NOUN
easat-1581	12	19	portfolio	portfolio	NOUN
easat-1581	12	20	management	management	NOUN
easat-1581	12	21	,	,	PUNCT
easat-1581	12	22	inadequate	inadequate	ADJ
easat-1581	12	23	collateral	collateral	NOUN
easat-1581	12	24	,	,	PUNCT
easat-1581	12	25	inadequate	inadequate	ADJ
easat-1581	12	26	monitoring	monitoring	NOUN
easat-1581	12	27	and	and	CCONJ
easat-1581	12	28	follow	follow	NOUN
easat-1581	12	29	-	-	PUNCT
easat-1581	12	30	up	up	NOUN
easat-1581	12	31	.	.	PUNCT
easat-1581	13	1	from	from	ADP
easat-1581	13	2	the	the	DET
easat-1581	13	3	mean	mean	ADJ
easat-1581	13	4	score	score	NOUN
easat-1581	13	5	it	it	PRON
easat-1581	13	6	is	be	AUX
easat-1581	13	7	evident	evident	ADJ
easat-1581	13	8	that	that	SCONJ
easat-1581	13	9	the	the	DET
easat-1581	13	10	npa	npa	NOUN
easat-1581	13	11	management	management	NOUN
easat-1581	13	12	in	in	ADP
easat-1581	13	13	new	new	ADJ
easat-1581	13	14	generation	generation	NOUN
easat-1581	13	15	private	private	ADJ
easat-1581	13	16	sector	sector	NOUN
easat-1581	13	17	banks	bank	NOUN
easat-1581	13	18	is	be	AUX
easat-1581	13	19	appreciable	appreciable	ADJ
easat-1581	13	20	when	when	SCONJ
easat-1581	13	21	compared	compare	VERB
easat-1581	13	22	to	to	ADP
easat-1581	13	23	old	old	ADJ
easat-1581	13	24	generation	generation	NOUN
easat-1581	13	25	private	private	ADJ
easat-1581	13	26	sector	sector	NOUN
easat-1581	13	27	banks	bank	NOUN
easat-1581	13	28	.	.	PUNCT
easat-1581	14	1	keywords	keyword	NOUN
easat-1581	14	2	:	:	PUNCT
easat-1581	14	3	bank	bank	NOUN
easat-1581	14	4	,	,	PUNCT
easat-1581	14	5	delinquency	delinquency	PROPN
easat-1581	14	6	,	,	PUNCT
easat-1581	14	7	npa	npa	PROPN
easat-1581	14	8	,	,	PUNCT
easat-1581	14	9	npl	npl	PROPN
easat-1581	14	10	.	.	PROPN
easat-1581	15	1	1	1	X
easat-1581	15	2	.	.	X
easat-1581	15	3	introduction	introduction	NOUN
easat-1581	15	4	the	the	DET
easat-1581	15	5	indian	indian	ADJ
easat-1581	15	6	banking	banking	NOUN
easat-1581	15	7	system	system	NOUN
easat-1581	15	8	was	be	AUX
easat-1581	15	9	dominated	dominate	VERB
easat-1581	15	10	by	by	ADP
easat-1581	15	11	the	the	DET
easat-1581	15	12	private	private	ADJ
easat-1581	15	13	players	player	NOUN
easat-1581	15	14	since	since	SCONJ
easat-1581	15	15	the	the	DET
easat-1581	15	16	beginning	beginning	NOUN
easat-1581	15	17	of	of	ADP
easat-1581	15	18	the	the	DET
easat-1581	15	19	banking	banking	NOUN
easat-1581	15	20	system	system	NOUN
easat-1581	15	21	.	.	PUNCT
easat-1581	16	1	during	during	ADP
easat-1581	16	2	that	that	DET
easat-1581	16	3	period	period	NOUN
easat-1581	16	4	the	the	DET
easat-1581	16	5	banks	bank	NOUN
easat-1581	16	6	which	which	PRON
easat-1581	16	7	were	be	AUX
easat-1581	16	8	operating	operate	VERB
easat-1581	16	9	in	in	ADP
easat-1581	16	10	the	the	DET
easat-1581	16	11	indian	indian	ADJ
easat-1581	16	12	economy	economy	NOUN
easat-1581	16	13	was	be	AUX
easat-1581	16	14	on	on	ADP
easat-1581	16	15	private	private	ADJ
easat-1581	16	16	in	in	ADP
easat-1581	16	17	character	character	NOUN
easat-1581	16	18	and	and	CCONJ
easat-1581	16	19	mostly	mostly	ADV
easat-1581	16	20	controlled	control	VERB
easat-1581	16	21	by	by	ADP
easat-1581	16	22	the	the	DET
easat-1581	16	23	business	business	NOUN
easat-1581	16	24	groups	group	NOUN
easat-1581	16	25	.	.	PUNCT
easat-1581	17	1	the	the	DET
easat-1581	17	2	first	first	ADJ
easat-1581	17	3	private	private	ADJ
easat-1581	17	4	sector	sector	NOUN
easat-1581	17	5	bank	bank	NOUN
easat-1581	17	6	in	in	ADP
easat-1581	17	7	india	india	PROPN
easat-1581	17	8	was	be	AUX
easat-1581	17	9	the	the	DET
easat-1581	17	10	nedungadi	nedungadi	PROPN
easat-1581	17	11	bank	bank	NOUN
easat-1581	17	12	,	,	PUNCT
easat-1581	17	13	which	which	PRON
easat-1581	17	14	was	be	AUX
easat-1581	17	15	established	establish	VERB
easat-1581	17	16	in	in	ADP
easat-1581	17	17	the	the	DET
easat-1581	17	18	year	year	NOUN
easat-1581	17	19	1899	1899	NUM
easat-1581	17	20	(	(	PUNCT
easat-1581	17	21	the	the	DET
easat-1581	17	22	bank	bank	NOUN
easat-1581	17	23	was	be	AUX
easat-1581	17	24	merged	merge	VERB
easat-1581	17	25	with	with	ADP
easat-1581	17	26	punjab	punjab	PROPN
easat-1581	17	27	national	national	PROPN
easat-1581	17	28	bank	bank	PROPN
easat-1581	17	29	in	in	ADP
easat-1581	17	30	2003	2003	NUM
easat-1581	17	31	)	)	PUNCT
easat-1581	17	32	.	.	PUNCT
easat-1581	18	1	the	the	DET
easat-1581	18	2	later	later	ADJ
easat-1581	18	3	years	year	NOUN
easat-1581	18	4	witnessed	witness	VERB
easat-1581	18	5	the	the	DET
easat-1581	18	6	formation	formation	NOUN
easat-1581	18	7	of	of	ADP
easat-1581	18	8	many	many	ADJ
easat-1581	18	9	local	local	ADJ
easat-1581	18	10	banks	bank	NOUN
easat-1581	18	11	in	in	ADP
easat-1581	18	12	india	india	PROPN
easat-1581	18	13	,	,	PUNCT
easat-1581	18	14	especially	especially	ADV
easat-1581	18	15	in	in	ADP
easat-1581	18	16	the	the	DET
easat-1581	18	17	states	state	NOUN
easat-1581	18	18	of	of	ADP
easat-1581	18	19	kerala	kerala	PROPN
easat-1581	18	20	and	and	CCONJ
easat-1581	18	21	tamilnadu	tamilnadu	NOUN
easat-1581	18	22	.	.	PUNCT
easat-1581	19	1	the	the	DET
easat-1581	19	2	structured	structured	ADJ
easat-1581	19	3	forms	form	NOUN
easat-1581	19	4	of	of	ADP
easat-1581	19	5	banks	bank	NOUN
easat-1581	19	6	were	be	AUX
easat-1581	19	7	formed	form	VERB
easat-1581	19	8	in	in	ADP
easat-1581	19	9	this	this	DET
easat-1581	19	10	state	state	NOUN
easat-1581	19	11	,	,	PUNCT
easat-1581	19	12	mostly	mostly	ADV
easat-1581	19	13	in	in	ADP
easat-1581	19	14	private	private	ADJ
easat-1581	19	15	sectors	sector	NOUN
easat-1581	19	16	.	.	PUNCT
easat-1581	20	1	in	in	ADP
easat-1581	20	2	the	the	DET
easat-1581	20	3	meantime	meantime	NOUN
easat-1581	20	4	,	,	PUNCT
easat-1581	20	5	many	many	ADJ
easat-1581	20	6	other	other	ADJ
easat-1581	20	7	banks	bank	NOUN
easat-1581	20	8	were	be	AUX
easat-1581	20	9	formed	form	VERB
easat-1581	20	10	by	by	ADP
easat-1581	20	11	the	the	DET
easat-1581	20	12	business	business	NOUN
easat-1581	20	13	communities	community	NOUN
easat-1581	20	14	also	also	ADV
easat-1581	20	15	.	.	PUNCT
easat-1581	21	1	the	the	DET
easat-1581	21	2	year	year	NOUN
easat-1581	21	3	1935	1935	NUM
easat-1581	21	4	witnessed	witness	VERB
easat-1581	21	5	the	the	DET
easat-1581	21	6	formation	formation	NOUN
easat-1581	21	7	of	of	ADP
easat-1581	21	8	reserve	reserve	PROPN
easat-1581	21	9	bank	bank	PROPN
easat-1581	21	10	of	of	ADP
easat-1581	21	11	india	india	PROPN
easat-1581	21	12	(	(	PUNCT
easat-1581	21	13	reserve	reserve	PROPN
easat-1581	21	14	bank	bank	PROPN
easat-1581	21	15	of	of	ADP
easat-1581	21	16	india	india	PROPN
easat-1581	21	17	act	act	PROPN
easat-1581	21	18	1934	1934	NUM
easat-1581	21	19	)	)	PUNCT
easat-1581	21	20	which	which	PRON
easat-1581	21	21	later	later	ADV
easat-1581	21	22	becomes	become	VERB
easat-1581	21	23	the	the	DET
easat-1581	21	24	regulator	regulator	NOUN
easat-1581	21	25	of	of	ADP
easat-1581	21	26	indian	indian	ADJ
easat-1581	21	27	banking	banking	NOUN
easat-1581	21	28	.	.	PUNCT
easat-1581	22	1	the	the	DET
easat-1581	22	2	major	major	ADJ
easat-1581	22	3	changes	change	NOUN
easat-1581	22	4	of	of	ADP
easat-1581	22	5	the	the	DET
easat-1581	22	6	indian	indian	ADJ
easat-1581	22	7	banking	banking	NOUN
easat-1581	22	8	came	come	VERB
easat-1581	22	9	in	in	ADP
easat-1581	22	10	the	the	DET
easat-1581	22	11	year	year	NOUN
easat-1581	22	12	1969	1969	NUM
easat-1581	22	13	when	when	SCONJ
easat-1581	22	14	the	the	DET
easat-1581	22	15	government	government	NOUN
easat-1581	22	16	took	take	VERB
easat-1581	22	17	the	the	DET
easat-1581	22	18	decision	decision	NOUN
easat-1581	22	19	to	to	PART
easat-1581	22	20	nationalize	nationalize	VERB
easat-1581	22	21	major	major	ADJ
easat-1581	22	22	banking	banking	NOUN
easat-1581	22	23	players	player	NOUN
easat-1581	22	24	of	of	ADP
easat-1581	22	25	india	india	PROPN
easat-1581	22	26	.	.	PUNCT
easat-1581	23	1	the	the	DET
easat-1581	23	2	entire	entire	ADJ
easat-1581	23	3	picture	picture	NOUN
easat-1581	23	4	began	begin	VERB
easat-1581	23	5	to	to	PART
easat-1581	23	6	change	change	VERB
easat-1581	23	7	during	during	ADP
easat-1581	23	8	the	the	DET
easat-1581	23	9	90s	90	NOUN
easat-1581	23	10	when	when	SCONJ
easat-1581	23	11	the	the	DET
easat-1581	23	12	government	government	NOUN
easat-1581	23	13	opens	open	VERB
easat-1581	23	14	the	the	DET
easat-1581	23	15	indian	indian	ADJ
easat-1581	23	16	banking	banking	NOUN
easat-1581	23	17	to	to	ADP
easat-1581	23	18	new	new	ADJ
easat-1581	23	19	players	player	NOUN
easat-1581	23	20	.	.	PUNCT
easat-1581	24	1	the	the	DET
easat-1581	24	2	new	new	ADJ
easat-1581	24	3	generation	generation	NOUN
easat-1581	24	4	banks	bank	NOUN
easat-1581	24	5	started	start	VERB
easat-1581	24	6	their	their	PRON
easat-1581	24	7	operation	operation	NOUN
easat-1581	24	8	with	with	ADP
easat-1581	24	9	high	high	ADJ
easat-1581	24	10	capital	capital	NOUN
easat-1581	24	11	,	,	PUNCT
easat-1581	24	12	new	new	ADJ
easat-1581	24	13	technology	technology	NOUN
easat-1581	24	14	and	and	CCONJ
easat-1581	24	15	they	they	PRON
easat-1581	24	16	have	have	AUX
easat-1581	24	17	started	start	VERB
easat-1581	24	18	attracting	attract	VERB
easat-1581	24	19	the	the	DET
easat-1581	24	20	traditional	traditional	ADJ
easat-1581	24	21	as	as	ADV
easat-1581	24	22	well	well	ADV
easat-1581	24	23	as	as	ADP
easat-1581	24	24	the	the	DET
easat-1581	24	25	new	new	ADJ
easat-1581	24	26	customers	customer	NOUN
easat-1581	24	27	to	to	ADP
easat-1581	24	28	their	their	PRON
easat-1581	24	29	branches	branch	NOUN
easat-1581	24	30	.	.	PUNCT
easat-1581	25	1	the	the	DET
easat-1581	25	2	high	high	ADJ
easat-1581	25	3	level	level	NOUN
easat-1581	25	4	of	of	ADP
easat-1581	25	5	competition	competition	NOUN
easat-1581	25	6	compelled	compel	VERB
easat-1581	25	7	the	the	DET
easat-1581	25	8	old	old	ADJ
easat-1581	25	9	private	private	ADJ
easat-1581	25	10	sector	sector	NOUN
easat-1581	25	11	banks	bank	NOUN
easat-1581	25	12	to	to	PART
easat-1581	25	13	come	come	VERB
easat-1581	25	14	out	out	ADP
easat-1581	25	15	of	of	ADP
easat-1581	25	16	their	their	PRON
easat-1581	25	17	traditional	traditional	ADJ
easat-1581	25	18	way	way	NOUN
easat-1581	25	19	of	of	ADP
easat-1581	25	20	doing	do	VERB
easat-1581	25	21	business	business	NOUN
easat-1581	25	22	.	.	PUNCT
easat-1581	26	1	meanwhile	meanwhile	ADV
easat-1581	26	2	the	the	DET
easat-1581	26	3	capacities	capacity	NOUN
easat-1581	26	4	of	of	ADP
easat-1581	26	5	the	the	DET
easat-1581	26	6	traditional	traditional	ADJ
easat-1581	26	7	customers	customer	NOUN
easat-1581	26	8	to	to	PART
easat-1581	26	9	absorb	absorb	VERB
easat-1581	26	10	the	the	DET
easat-1581	26	11	liquidity	liquidity	NOUN
easat-1581	26	12	of	of	ADP
easat-1581	26	13	the	the	DET
easat-1581	26	14	banks	bank	NOUN
easat-1581	26	15	are	be	AUX
easat-1581	26	16	getting	get	VERB
easat-1581	26	17	low	low	ADJ
easat-1581	26	18	and	and	CCONJ
easat-1581	26	19	the	the	DET
easat-1581	26	20	banks	bank	NOUN
easat-1581	26	21	are	be	AUX
easat-1581	26	22	compelled	compel	VERB
easat-1581	26	23	to	to	PART
easat-1581	26	24	lend	lend	VERB
easat-1581	26	25	to	to	ADP
easat-1581	26	26	the	the	DET
easat-1581	26	27	growing	grow	VERB
easat-1581	26	28	business	business	NOUN
easat-1581	26	29	which	which	PRON
easat-1581	26	30	was	be	AUX
easat-1581	26	31	outside	outside	ADP
easat-1581	26	32	the	the	DET
easat-1581	26	33	purview	purview	NOUN
easat-1581	26	34	of	of	ADP
easat-1581	26	35	the	the	DET
easat-1581	26	36	traditional	traditional	ADJ
easat-1581	26	37	banking	banking	NOUN
easat-1581	26	38	.	.	PUNCT
easat-1581	27	1	this	this	DET
easat-1581	27	2	new	new	ADJ
easat-1581	27	3	step	step	NOUN
easat-1581	27	4	to	to	ADP
easat-1581	27	5	the	the	DET
easat-1581	27	6	business	business	NOUN
easat-1581	27	7	started	start	VERB
easat-1581	27	8	the	the	DET
easat-1581	27	9	curse	curse	NOUN
easat-1581	27	10	of	of	ADP
easat-1581	27	11	the	the	DET
easat-1581	27	12	npa	npa	NOUN
easat-1581	27	13	in	in	ADP
easat-1581	27	14	the	the	DET
easat-1581	27	15	banks	bank	NOUN
easat-1581	27	16	.	.	PUNCT
easat-1581	28	1	non	non	ADJ
easat-1581	28	2	-	-	ADJ
easat-1581	28	3	performing	perform	VERB
easat-1581	28	4	assets	asset	NOUN
easat-1581	28	5	are	be	AUX
easat-1581	28	6	the	the	DET
easat-1581	28	7	most	most	ADV
easat-1581	28	8	important	important	ADJ
easat-1581	28	9	issue	issue	NOUN
easat-1581	28	10	faced	face	VERB
easat-1581	28	11	by	by	ADP
easat-1581	28	12	the	the	DET
easat-1581	28	13	banks	bank	NOUN
easat-1581	28	14	in	in	ADP
easat-1581	28	15	india	india	PROPN
easat-1581	28	16	.	.	PUNCT
easat-1581	29	1	the	the	PRON
easat-1581	29	2	higher	high	ADJ
easat-1581	29	3	the	the	DET
easat-1581	29	4	ratio	ratio	NOUN
easat-1581	29	5	of	of	ADP
easat-1581	29	6	the	the	DET
easat-1581	29	7	npa	npa	NOUN
easat-1581	29	8	,	,	PUNCT
easat-1581	29	9	the	the	DET
easat-1581	29	10	lower	low	ADJ
easat-1581	29	11	is	be	AUX
easat-1581	29	12	the	the	DET
easat-1581	29	13	profit	profit	NOUN
easat-1581	29	14	potentials	potential	NOUN
easat-1581	29	15	of	of	ADP
easat-1581	29	16	the	the	DET
easat-1581	29	17	banks	bank	NOUN
easat-1581	29	18	.	.	PUNCT
easat-1581	30	1	the	the	DET
easat-1581	30	2	government	government	NOUN
easat-1581	30	3	policies	policy	NOUN
easat-1581	30	4	,	,	PUNCT
easat-1581	30	5	strategies	strategy	NOUN
easat-1581	30	6	of	of	ADP
easat-1581	30	7	the	the	DET
easat-1581	30	8	banks	bank	NOUN
easat-1581	30	9	,	,	PUNCT
easat-1581	30	10	the	the	DET
easat-1581	30	11	changing	change	VERB
easat-1581	30	12	economic	economic	ADJ
easat-1581	30	13	and	and	CCONJ
easat-1581	30	14	industrial	industrial	ADJ
easat-1581	30	15	atmosphere	atmosphere	NOUN
easat-1581	30	16	caused	cause	VERB
easat-1581	30	17	an	an	DET
easat-1581	30	18	increase	increase	NOUN
easat-1581	30	19	in	in	ADP
easat-1581	30	20	the	the	DET
easat-1581	30	21	level	level	NOUN
easat-1581	30	22	of	of	ADP
easat-1581	30	23	npa	npa	NOUN
easat-1581	30	24	of	of	ADP
easat-1581	30	25	the	the	DET
easat-1581	30	26	banks	bank	NOUN
easat-1581	30	27	.	.	PUNCT
easat-1581	31	1	the	the	DET
easat-1581	31	2	total	total	ADJ
easat-1581	31	3	gnpas	gnpas	NOUN
easat-1581	31	4	of	of	ADP
easat-1581	31	5	private	private	ADJ
easat-1581	31	6	sector	sector	NOUN
easat-1581	31	7	banks	bank	NOUN
easat-1581	31	8	amounted	amount	VERB
easat-1581	31	9	to	to	ADP
easat-1581	31	10	rs.1,27,958	rs.1,27,958	NOUN
easat-1581	31	11	crore	crore	NOUN
easat-1581	31	12	during	during	ADP
easat-1581	31	13	2022	2022	NUM
easat-1581	31	14	-	-	SYM
easat-1581	31	15	23	23	NUM
easat-1581	31	16	.	.	PUNCT
easat-1581	32	1	https://orcid.org/0000-0002-0785-4020	https://orcid.org/0000-0002-0785-4020	PROPN
easat-1581	32	2	2056	2056	NUM
easat-1581	32	3	edelweiss	edelweiss	PROPN
easat-1581	32	4	applied	apply	VERB
easat-1581	32	5	science	science	NOUN
easat-1581	32	6	and	and	CCONJ
easat-1581	32	7	technology	technology	NOUN
easat-1581	32	8	issn	issn	PROPN
easat-1581	32	9	:	:	PUNCT
easat-1581	32	10	2576	2576	NUM
easat-1581	32	11	-	-	SYM
easat-1581	32	12	8484	8484	NUM
easat-1581	32	13	vol	vol	NOUN
easat-1581	32	14	.	.	PROPN
easat-1581	32	15	8	8	NUM
easat-1581	32	16	,	,	PUNCT
easat-1581	32	17	no	no	INTJ
easat-1581	32	18	.	.	NOUN
easat-1581	32	19	4	4	NUM
easat-1581	32	20	:	:	PUNCT
easat-1581	32	21	2055	2055	NUM
easat-1581	32	22	-	-	SYM
easat-1581	32	23	2062	2062	NUM
easat-1581	32	24	,	,	PUNCT
easat-1581	32	25	2024	2024	NUM
easat-1581	32	26	doi	doi	NOUN
easat-1581	32	27	:	:	PUNCT
easat-1581	32	28	10.55214/25768484.v8i4.1581	10.55214/25768484.v8i4.1581	NUM
easat-1581	32	29	©	©	PROPN
easat-1581	32	30	2024	2024	NUM
easat-1581	32	31	by	by	ADP
easat-1581	32	32	the	the	DET
easat-1581	32	33	author	author	NOUN
easat-1581	32	34	;	;	PUNCT
easat-1581	32	35	licensee	licensee	PROPN
easat-1581	32	36	learning	learning	NOUN
easat-1581	32	37	gate	gate	VERB
easat-1581	32	38	1.1	1.1	NUM
easat-1581	32	39	.	.	PUNCT
easat-1581	33	1	statement	statement	NOUN
easat-1581	33	2	of	of	ADP
easat-1581	33	3	the	the	DET
easat-1581	33	4	problem	problem	NOUN
easat-1581	33	5	loan	loan	NOUN
easat-1581	33	6	delinquency	delinquency	NOUN
easat-1581	33	7	occurs	occur	VERB
easat-1581	33	8	when	when	SCONJ
easat-1581	33	9	borrowers	borrower	NOUN
easat-1581	33	10	fail	fail	VERB
easat-1581	33	11	to	to	PART
easat-1581	33	12	repay	repay	VERB
easat-1581	33	13	the	the	DET
easat-1581	33	14	debt	debt	NOUN
easat-1581	33	15	as	as	ADP
easat-1581	33	16	per	per	ADP
easat-1581	33	17	agreed	agree	VERB
easat-1581	33	18	terms	term	NOUN
easat-1581	33	19	.	.	PUNCT
easat-1581	34	1	in	in	ADP
easat-1581	34	2	recent	recent	ADJ
easat-1581	34	3	past	past	NOUN
easat-1581	34	4	the	the	DET
easat-1581	34	5	private	private	ADJ
easat-1581	34	6	sector	sector	NOUN
easat-1581	34	7	banks	bank	NOUN
easat-1581	34	8	are	be	AUX
easat-1581	34	9	experiencing	experience	VERB
easat-1581	34	10	mounting	mount	VERB
easat-1581	34	11	npas	npa	NOUN
easat-1581	34	12	.	.	PUNCT
easat-1581	35	1	from	from	ADP
easat-1581	35	2	2010	2010	NUM
easat-1581	35	3	-	-	SYM
easat-1581	35	4	11	11	NUM
easat-1581	35	5	to	to	ADP
easat-1581	35	6	2022	2022	NUM
easat-1581	35	7	-	-	SYM
easat-1581	35	8	23	23	NUM
easat-1581	35	9	the	the	DET
easat-1581	35	10	average	average	ADJ
easat-1581	35	11	gross	gross	ADJ
easat-1581	35	12	npas	npas	NOUN
easat-1581	35	13	of	of	ADP
easat-1581	35	14	private	private	ADJ
easat-1581	35	15	sector	sector	NOUN
easat-1581	35	16	banks	bank	NOUN
easat-1581	35	17	stood	stand	VERB
easat-1581	35	18	at	at	ADP
easat-1581	35	19	rs.1,05,420	rs.1,05,420	PROPN
easat-1581	35	20	crore	crore	NUM
easat-1581	35	21	.	.	PUNCT
easat-1581	36	1	the	the	DET
easat-1581	36	2	book	book	NOUN
easat-1581	36	3	value	value	NOUN
easat-1581	36	4	of	of	ADP
easat-1581	36	5	bad	bad	ADJ
easat-1581	36	6	loans	loan	NOUN
easat-1581	36	7	acquired	acquire	VERB
easat-1581	36	8	by	by	ADP
easat-1581	36	9	the	the	DET
easat-1581	36	10	asset	asset	NOUN
easat-1581	36	11	reconstruction	reconstruction	NOUN
easat-1581	36	12	companies	company	NOUN
easat-1581	36	13	reached	reach	VERB
easat-1581	36	14	at	at	ADP
easat-1581	36	15	rs	rs	PROPN
easat-1581	36	16	7,66,915	7,66,915	NUM
easat-1581	36	17	as	as	ADP
easat-1581	36	18	of	of	ADP
easat-1581	36	19	march	march	PROPN
easat-1581	36	20	2023	2023	NUM
easat-1581	36	21	from	from	ADP
easat-1581	36	22	rs	rs	NUM
easat-1581	36	23	5,88,706	5,88,706	NUM
easat-1581	36	24	crore	crore	NOUN
easat-1581	36	25	in	in	ADP
easat-1581	36	26	march	march	PROPN
easat-1581	36	27	2022	2022	NUM
easat-1581	36	28	,	,	PUNCT
easat-1581	36	29	registering	register	VERB
easat-1581	36	30	a	a	DET
easat-1581	36	31	growth	growth	NOUN
easat-1581	36	32	of	of	ADP
easat-1581	36	33	nearly	nearly	ADV
easat-1581	36	34	30	30	NUM
easat-1581	36	35	percent	percent	NOUN
easat-1581	36	36	.	.	PUNCT
easat-1581	37	1	against	against	ADP
easat-1581	37	2	this	this	DET
easat-1581	37	3	backdrop	backdrop	NOUN
easat-1581	37	4	the	the	DET
easat-1581	37	5	researcher	researcher	NOUN
easat-1581	37	6	has	have	AUX
easat-1581	37	7	analysed	analyse	VERB
easat-1581	37	8	the	the	DET
easat-1581	37	9	three	three	NUM
easat-1581	37	10	major	major	ADJ
easat-1581	37	11	causes	cause	NOUN
easat-1581	37	12	of	of	ADP
easat-1581	37	13	loan	loan	NOUN
easat-1581	37	14	delinquency	delinquency	NOUN
easat-1581	37	15	namely	namely	ADV
easat-1581	37	16	internal	internal	ADJ
easat-1581	37	17	,	,	PUNCT
easat-1581	37	18	external	external	ADJ
easat-1581	37	19	and	and	CCONJ
easat-1581	37	20	borrower	borrower	NOUN
easat-1581	37	21	related	relate	VERB
easat-1581	37	22	causes	cause	NOUN
easat-1581	37	23	.	.	PUNCT
easat-1581	38	1	understanding	understanding	NOUN
easat-1581	38	2	and	and	CCONJ
easat-1581	38	3	addressing	address	VERB
easat-1581	38	4	these	these	DET
easat-1581	38	5	three	three	NUM
easat-1581	38	6	causes	cause	NOUN
easat-1581	38	7	will	will	AUX
easat-1581	38	8	mitigate	mitigate	VERB
easat-1581	38	9	the	the	DET
easat-1581	38	10	npa	npa	NOUN
easat-1581	38	11	issues	issue	NOUN
easat-1581	38	12	in	in	ADP
easat-1581	38	13	private	private	ADJ
easat-1581	38	14	sector	sector	NOUN
easat-1581	38	15	banks	bank	NOUN
easat-1581	38	16	in	in	ADP
easat-1581	38	17	kerala	kerala	PROPN
easat-1581	38	18	.	.	PUNCT
easat-1581	39	1	the	the	DET
easat-1581	39	2	researcher	researcher	NOUN
easat-1581	39	3	has	have	AUX
easat-1581	39	4	compared	compare	VERB
easat-1581	39	5	the	the	DET
easat-1581	39	6	old	old	ADJ
easat-1581	39	7	generation	generation	NOUN
easat-1581	39	8	private	private	ADJ
easat-1581	39	9	sector	sector	NOUN
easat-1581	39	10	banks	bank	NOUN
easat-1581	39	11	and	and	CCONJ
easat-1581	39	12	new	new	ADJ
easat-1581	39	13	generation	generation	NOUN
easat-1581	39	14	private	private	ADJ
easat-1581	39	15	sector	sector	NOUN
easat-1581	39	16	banks	bank	NOUN
easat-1581	39	17	with	with	ADP
easat-1581	39	18	respect	respect	NOUN
easat-1581	39	19	to	to	ADP
easat-1581	39	20	the	the	DET
easat-1581	39	21	various	various	ADJ
easat-1581	39	22	causes	cause	NOUN
easat-1581	39	23	of	of	ADP
easat-1581	39	24	loan	loan	NOUN
easat-1581	39	25	delinquency	delinquency	NOUN
easat-1581	39	26	.	.	PUNCT
easat-1581	40	1	this	this	DET
easat-1581	40	2	comparison	comparison	NOUN
easat-1581	40	3	will	will	AUX
easat-1581	40	4	be	be	AUX
easat-1581	40	5	helpful	helpful	ADJ
easat-1581	40	6	to	to	PART
easat-1581	40	7	identify	identify	VERB
easat-1581	40	8	the	the	DET
easat-1581	40	9	efficiency	efficiency	NOUN
easat-1581	40	10	of	of	ADP
easat-1581	40	11	banks	bank	NOUN
easat-1581	40	12	in	in	ADP
easat-1581	40	13	npa	npa	NOUN
easat-1581	40	14	management	management	NOUN
easat-1581	40	15	.	.	PUNCT
easat-1581	41	1	1.2	1.2	NUM
easat-1581	41	2	.	.	PUNCT
easat-1581	41	3	objectives	objective	NOUN
easat-1581	41	4	of	of	ADP
easat-1581	41	5	the	the	DET
easat-1581	41	6	study	study	NOUN
easat-1581	41	7	1	1	NUM
easat-1581	41	8	.	.	PUNCT
easat-1581	41	9	to	to	PART
easat-1581	41	10	analyse	analyse	VERB
easat-1581	41	11	the	the	DET
easat-1581	41	12	various	various	ADJ
easat-1581	41	13	causes	cause	NOUN
easat-1581	41	14	of	of	ADP
easat-1581	41	15	loan	loan	NOUN
easat-1581	41	16	delinquency	delinquency	NOUN
easat-1581	41	17	.	.	PUNCT
easat-1581	42	1	2	2	X
easat-1581	42	2	.	.	PUNCT
easat-1581	42	3	to	to	PART
easat-1581	42	4	compare	compare	VERB
easat-1581	42	5	the	the	DET
easat-1581	42	6	causes	cause	NOUN
easat-1581	42	7	of	of	ADP
easat-1581	42	8	loan	loan	NOUN
easat-1581	42	9	delinquency	delinquency	NOUN
easat-1581	42	10	between	between	ADP
easat-1581	42	11	old	old	ADJ
easat-1581	42	12	and	and	CCONJ
easat-1581	42	13	new	new	ADJ
easat-1581	42	14	generation	generation	NOUN
easat-1581	42	15	private	private	ADJ
easat-1581	42	16	sector	sector	NOUN
easat-1581	42	17	banks	bank	NOUN
easat-1581	42	18	.	.	PUNCT
easat-1581	43	1	1.3	1.3	NUM
easat-1581	43	2	.	.	PUNCT
easat-1581	43	3	hypotheses	hypothesis	NOUN
easat-1581	43	4	of	of	ADP
easat-1581	43	5	the	the	DET
easat-1581	43	6	study	study	NOUN
easat-1581	43	7	1	1	NUM
easat-1581	43	8	.	.	PUNCT
easat-1581	43	9	h01	h01	NOUN
easat-1581	43	10	:	:	PUNCT
easat-1581	43	11	there	there	PRON
easat-1581	43	12	is	be	VERB
easat-1581	43	13	no	no	DET
easat-1581	43	14	significant	significant	ADJ
easat-1581	43	15	difference	difference	NOUN
easat-1581	43	16	between	between	ADP
easat-1581	43	17	old	old	ADJ
easat-1581	43	18	and	and	CCONJ
easat-1581	43	19	new	new	ADJ
easat-1581	43	20	generation	generation	NOUN
easat-1581	43	21	private	private	ADJ
easat-1581	43	22	sector	sector	NOUN
easat-1581	43	23	banks	bank	NOUN
easat-1581	43	24	on	on	ADP
easat-1581	43	25	the	the	DET
easat-1581	43	26	internal	internal	ADJ
easat-1581	43	27	cause	cause	NOUN
easat-1581	43	28	of	of	ADP
easat-1581	43	29	loan	loan	NOUN
easat-1581	43	30	delinquency	delinquency	NOUN
easat-1581	43	31	.	.	PUNCT
easat-1581	44	1	2	2	X
easat-1581	44	2	.	.	X
easat-1581	44	3	h02	h02	NOUN
easat-1581	44	4	:	:	PUNCT
easat-1581	44	5	there	there	PRON
easat-1581	44	6	is	be	VERB
easat-1581	44	7	no	no	DET
easat-1581	44	8	significant	significant	ADJ
easat-1581	44	9	difference	difference	NOUN
easat-1581	44	10	between	between	ADP
easat-1581	44	11	old	old	ADJ
easat-1581	44	12	and	and	CCONJ
easat-1581	44	13	new	new	ADJ
easat-1581	44	14	generation	generation	NOUN
easat-1581	44	15	private	private	ADJ
easat-1581	44	16	sector	sector	NOUN
easat-1581	44	17	banks	bank	NOUN
easat-1581	44	18	on	on	ADP
easat-1581	44	19	the	the	DET
easat-1581	44	20	external	external	ADJ
easat-1581	44	21	cause	cause	NOUN
easat-1581	44	22	of	of	ADP
easat-1581	44	23	loan	loan	NOUN
easat-1581	44	24	delinquency	delinquency	NOUN
easat-1581	44	25	.	.	PUNCT
easat-1581	45	1	3	3	X
easat-1581	45	2	.	.	X
easat-1581	45	3	h03	h03	NOUN
easat-1581	45	4	:	:	PUNCT
easat-1581	45	5	there	there	PRON
easat-1581	45	6	is	be	VERB
easat-1581	45	7	no	no	DET
easat-1581	45	8	significant	significant	ADJ
easat-1581	45	9	difference	difference	NOUN
easat-1581	45	10	between	between	ADP
easat-1581	45	11	old	old	ADJ
easat-1581	45	12	and	and	CCONJ
easat-1581	45	13	new	new	ADJ
easat-1581	45	14	-	-	PUNCT
easat-1581	45	15	generation	generation	NOUN
easat-1581	45	16	private	private	ADJ
easat-1581	45	17	sector	sector	NOUN
easat-1581	45	18	banks	bank	NOUN
easat-1581	45	19	on	on	ADP
easat-1581	45	20	the	the	DET
easat-1581	45	21	borrower	borrower	NOUN
easat-1581	45	22	-	-	PUNCT
easat-1581	45	23	related	relate	VERB
easat-1581	45	24	causes	cause	NOUN
easat-1581	45	25	of	of	ADP
easat-1581	45	26	loan	loan	NOUN
easat-1581	45	27	delinquency	delinquency	NOUN
easat-1581	45	28	.	.	PUNCT
easat-1581	46	1	2	2	X
easat-1581	46	2	.	.	X
easat-1581	46	3	research	research	NOUN
easat-1581	46	4	methodology	methodology	NOUN
easat-1581	46	5	2.1	2.1	NUM
easat-1581	46	6	.	.	PUNCT
easat-1581	47	1	data	datum	NOUN
easat-1581	47	2	sources	source	NOUN
easat-1581	47	3	the	the	DET
easat-1581	47	4	study	study	NOUN
easat-1581	47	5	requires	require	VERB
easat-1581	47	6	both	both	CCONJ
easat-1581	47	7	primary	primary	ADJ
easat-1581	47	8	and	and	CCONJ
easat-1581	47	9	secondary	secondary	ADJ
easat-1581	47	10	data	datum	NOUN
easat-1581	47	11	.	.	PUNCT
easat-1581	48	1	the	the	DET
easat-1581	48	2	primary	primary	ADJ
easat-1581	48	3	data	datum	NOUN
easat-1581	48	4	is	be	AUX
easat-1581	48	5	collected	collect	VERB
easat-1581	48	6	from	from	ADP
easat-1581	48	7	the	the	DET
easat-1581	48	8	400	400	NUM
easat-1581	48	9	bankers	banker	NOUN
easat-1581	48	10	of	of	ADP
easat-1581	48	11	private	private	ADJ
easat-1581	48	12	sector	sector	NOUN
easat-1581	48	13	banks	bank	NOUN
easat-1581	48	14	in	in	ADP
easat-1581	48	15	kerala	kerala	PROPN
easat-1581	48	16	.	.	PUNCT
easat-1581	49	1	the	the	DET
easat-1581	49	2	structured	structured	ADJ
easat-1581	49	3	questionnaire	questionnaire	NOUN
easat-1581	49	4	is	be	AUX
easat-1581	49	5	framed	frame	VERB
easat-1581	49	6	for	for	ADP
easat-1581	49	7	collecting	collect	VERB
easat-1581	49	8	the	the	DET
easat-1581	49	9	primary	primary	ADJ
easat-1581	49	10	data	datum	NOUN
easat-1581	49	11	.	.	PUNCT
easat-1581	50	1	the	the	DET
easat-1581	50	2	secondary	secondary	ADJ
easat-1581	50	3	data	datum	NOUN
easat-1581	50	4	is	be	AUX
easat-1581	50	5	collected	collect	VERB
easat-1581	50	6	from	from	ADP
easat-1581	50	7	the	the	DET
easat-1581	50	8	various	various	ADJ
easat-1581	50	9	publications	publication	NOUN
easat-1581	50	10	of	of	ADP
easat-1581	50	11	rbi	rbi	PROPN
easat-1581	50	12	,	,	PUNCT
easat-1581	50	13	iba	iba	PROPN
easat-1581	50	14	and	and	CCONJ
easat-1581	50	15	from	from	ADP
easat-1581	50	16	the	the	DET
easat-1581	50	17	financial	financial	ADJ
easat-1581	50	18	reports	report	NOUN
easat-1581	50	19	of	of	ADP
easat-1581	50	20	respective	respective	ADJ
easat-1581	50	21	banks	bank	NOUN
easat-1581	50	22	.	.	PUNCT
easat-1581	51	1	2.2	2.2	NUM
easat-1581	51	2	.	.	PUNCT
easat-1581	51	3	sample	sample	NOUN
easat-1581	51	4	size	size	NOUN
easat-1581	51	5	there	there	PRON
easat-1581	51	6	is	be	VERB
easat-1581	51	7	2440	2440	NUM
easat-1581	51	8	private	private	ADJ
easat-1581	51	9	sector	sector	NOUN
easat-1581	51	10	bank	bank	NOUN
easat-1581	51	11	branches	branch	NOUN
easat-1581	51	12	operating	operate	VERB
easat-1581	51	13	in	in	ADP
easat-1581	51	14	kerala	kerala	PROPN
easat-1581	51	15	,	,	PUNCT
easat-1581	51	16	400	400	NUM
easat-1581	51	17	bank	bank	NOUN
easat-1581	51	18	branches	branch	NOUN
easat-1581	51	19	is	be	AUX
easat-1581	51	20	selected	select	VERB
easat-1581	51	21	proportionately	proportionately	ADV
easat-1581	51	22	.	.	PUNCT
easat-1581	52	1	the	the	DET
easat-1581	52	2	sample	sample	NOUN
easat-1581	52	3	size	size	NOUN
easat-1581	52	4	331	331	NUM
easat-1581	52	5	is	be	AUX
easat-1581	52	6	arrived	arrive	VERB
easat-1581	52	7	by	by	ADP
easat-1581	52	8	using	use	VERB
easat-1581	52	9	krejcie	krejcie	PROPN
easat-1581	52	10	&	&	CCONJ
easat-1581	52	11	morgan	morgan	PROPN
easat-1581	52	12	table	table	PROPN
easat-1581	52	13	(	(	PUNCT
easat-1581	52	14	1970	1970	NUM
easat-1581	52	15	)	)	PUNCT
easat-1581	52	16	.	.	PUNCT
easat-1581	53	1	2.3	2.3	NUM
easat-1581	53	2	.	.	X
easat-1581	53	3	sampling	sample	VERB
easat-1581	53	4	technique	technique	NOUN
easat-1581	53	5	a	a	DET
easat-1581	53	6	multistage	multistage	NOUN
easat-1581	53	7	sampling	sampling	NOUN
easat-1581	53	8	technique	technique	NOUN
easat-1581	53	9	is	be	AUX
easat-1581	53	10	employed	employ	VERB
easat-1581	53	11	.	.	PUNCT
easat-1581	54	1	in	in	ADP
easat-1581	54	2	the	the	DET
easat-1581	54	3	first	first	ADJ
easat-1581	54	4	stage	stage	NOUN
easat-1581	54	5	the	the	DET
easat-1581	54	6	population	population	NOUN
easat-1581	54	7	is	be	AUX
easat-1581	54	8	divided	divide	VERB
easat-1581	54	9	into	into	ADP
easat-1581	54	10	three	three	NUM
easat-1581	54	11	regions	region	NOUN
easat-1581	54	12	northern	northern	ADJ
easat-1581	54	13	kerala	kerala	PROPN
easat-1581	54	14	,	,	PUNCT
easat-1581	54	15	central	central	ADJ
easat-1581	54	16	kerala	kerala	NOUN
easat-1581	54	17	and	and	CCONJ
easat-1581	54	18	southern	southern	ADJ
easat-1581	54	19	kerala	kerala	PROPN
easat-1581	54	20	.	.	PUNCT
easat-1581	55	1	in	in	ADP
easat-1581	55	2	the	the	DET
easat-1581	55	3	second	second	ADJ
easat-1581	55	4	stage	stage	NOUN
easat-1581	55	5	the	the	DET
easat-1581	55	6	number	number	NOUN
easat-1581	55	7	of	of	ADP
easat-1581	55	8	districts	district	NOUN
easat-1581	55	9	in	in	ADP
easat-1581	55	10	each	each	DET
easat-1581	55	11	region	region	NOUN
easat-1581	55	12	and	and	CCONJ
easat-1581	55	13	number	number	NOUN
easat-1581	55	14	of	of	ADP
easat-1581	55	15	bank	bank	NOUN
easat-1581	55	16	branches	branch	NOUN
easat-1581	55	17	in	in	ADP
easat-1581	55	18	each	each	DET
easat-1581	55	19	district	district	NOUN
easat-1581	55	20	were	be	AUX
easat-1581	55	21	identified	identify	VERB
easat-1581	55	22	.	.	PUNCT
easat-1581	56	1	there	there	PRON
easat-1581	56	2	are	be	VERB
easat-1581	56	3	four	four	NUM
easat-1581	56	4	districts	district	NOUN
easat-1581	56	5	in	in	ADP
easat-1581	56	6	north	north	PROPN
easat-1581	56	7	kerala	kerala	PROPN
easat-1581	56	8	viz	viz	PROPN
easat-1581	56	9	.	.	PROPN
easat-1581	56	10	,	,	PUNCT
easat-1581	56	11	kasaragod	kasaragod	PROPN
easat-1581	56	12	,	,	PUNCT
easat-1581	56	13	kannur	kannur	PROPN
easat-1581	56	14	,	,	PUNCT
easat-1581	56	15	wayanad	wayanad	PROPN
easat-1581	56	16	,	,	PUNCT
easat-1581	56	17	and	and	CCONJ
easat-1581	56	18	kozhikode	kozhikode	NOUN
easat-1581	56	19	;	;	PUNCT
easat-1581	56	20	six	six	NUM
easat-1581	56	21	districts	district	NOUN
easat-1581	56	22	in	in	ADP
easat-1581	56	23	the	the	DET
easat-1581	56	24	central	central	ADJ
easat-1581	56	25	kerala	kerala	PROPN
easat-1581	56	26	viz	viz	PROPN
easat-1581	56	27	.	.	PROPN
easat-1581	56	28	,	,	PUNCT
easat-1581	56	29	palakkad	palakkad	PROPN
easat-1581	56	30	,	,	PUNCT
easat-1581	56	31	thrissur	thrissur	PROPN
easat-1581	56	32	,	,	PUNCT
easat-1581	56	33	ernakulam	ernakulam	PROPN
easat-1581	56	34	,	,	PUNCT
easat-1581	56	35	idukki	idukki	ADJ
easat-1581	56	36	,	,	PUNCT
easat-1581	56	37	malappuram	malappuram	NOUN
easat-1581	56	38	,	,	PUNCT
easat-1581	56	39	and	and	CCONJ
easat-1581	56	40	kottayam	kottayam	NOUN
easat-1581	56	41	;	;	PUNCT
easat-1581	56	42	and	and	CCONJ
easat-1581	56	43	four	four	NUM
easat-1581	56	44	district	district	NOUN
easat-1581	56	45	in	in	ADP
easat-1581	56	46	the	the	DET
easat-1581	56	47	south	south	ADJ
easat-1581	56	48	kerala	kerala	PROPN
easat-1581	56	49	namely	namely	ADV
easat-1581	56	50	,	,	PUNCT
easat-1581	56	51	thiruvananthapuram	thiruvananthapuram	PROPN
easat-1581	56	52	,	,	PUNCT
easat-1581	56	53	kollam	kollam	PROPN
easat-1581	56	54	,	,	PUNCT
easat-1581	56	55	alappuzha	alappuzha	NOUN
easat-1581	56	56	and	and	CCONJ
easat-1581	56	57	pathanamthitta	pathanamthitta	NOUN
easat-1581	56	58	.	.	PUNCT
easat-1581	57	1	the	the	DET
easat-1581	57	2	total	total	ADJ
easat-1581	57	3	number	number	NOUN
easat-1581	57	4	of	of	ADP
easat-1581	57	5	private	private	ADJ
easat-1581	57	6	sector	sector	NOUN
easat-1581	57	7	bank	bank	NOUN
easat-1581	57	8	branches	branch	NOUN
easat-1581	57	9	operating	operate	VERB
easat-1581	57	10	in	in	ADP
easat-1581	57	11	kerala	kerala	PROPN
easat-1581	57	12	is	be	AUX
easat-1581	57	13	2440	2440	NUM
easat-1581	57	14	bank	bank	NOUN
easat-1581	57	15	branches	branch	NOUN
easat-1581	57	16	.	.	PUNCT
easat-1581	58	1	there	there	PRON
easat-1581	58	2	are	be	VERB
easat-1581	58	3	888	888	NUM
easat-1581	58	4	private	private	ADJ
easat-1581	58	5	sector	sector	NOUN
easat-1581	58	6	bank	bank	NOUN
easat-1581	58	7	branches	branch	NOUN
easat-1581	58	8	in	in	ADP
easat-1581	58	9	south	south	PROPN
easat-1581	58	10	kerala	kerala	PROPN
easat-1581	58	11	,	,	PUNCT
easat-1581	58	12	1212	1212	NUM
easat-1581	58	13	branches	branch	NOUN
easat-1581	58	14	in	in	ADP
easat-1581	58	15	central	central	ADJ
easat-1581	58	16	kerala	kerala	NOUN
easat-1581	58	17	and	and	CCONJ
easat-1581	58	18	340	340	NUM
easat-1581	58	19	branches	branch	NOUN
easat-1581	58	20	in	in	ADP
easat-1581	58	21	north	north	NOUN
easat-1581	58	22	kerala	kerala	PROPN
easat-1581	58	23	.	.	PUNCT
easat-1581	59	1	in	in	ADP
easat-1581	59	2	the	the	DET
easat-1581	59	3	third	third	ADJ
easat-1581	59	4	stage	stage	NOUN
easat-1581	59	5	,	,	PUNCT
easat-1581	59	6	the	the	DET
easat-1581	59	7	sample	sample	NOUN
easat-1581	59	8	size	size	NOUN
easat-1581	59	9	of	of	ADP
easat-1581	59	10	each	each	DET
easat-1581	59	11	private	private	ADJ
easat-1581	59	12	sector	sector	NOUN
easat-1581	59	13	bank	bank	NOUN
easat-1581	59	14	is	be	AUX
easat-1581	59	15	determined	determine	VERB
easat-1581	59	16	proportionately	proportionately	ADV
easat-1581	59	17	in	in	ADP
easat-1581	59	18	three	three	NUM
easat-1581	59	19	regions	region	NOUN
easat-1581	59	20	and	and	CCONJ
easat-1581	59	21	the	the	DET
easat-1581	59	22	individual	individual	ADJ
easat-1581	59	23	private	private	ADJ
easat-1581	59	24	sector	sector	NOUN
easat-1581	59	25	bank	bank	NOUN
easat-1581	59	26	branch	branch	NOUN
easat-1581	59	27	in	in	ADP
easat-1581	59	28	each	each	DET
easat-1581	59	29	district	district	NOUN
easat-1581	59	30	is	be	AUX
easat-1581	59	31	chosen	choose	VERB
easat-1581	59	32	based	base	VERB
easat-1581	59	33	on	on	ADP
easat-1581	59	34	the	the	DET
easat-1581	59	35	intensity	intensity	NOUN
easat-1581	59	36	of	of	ADP
easat-1581	59	37	npa	npa	PROPN
easat-1581	59	38	.	.	PROPN
easat-1581	59	39	2057	2057	NUM
easat-1581	59	40	edelweiss	edelweiss	PROPN
easat-1581	59	41	applied	apply	VERB
easat-1581	59	42	science	science	NOUN
easat-1581	59	43	and	and	CCONJ
easat-1581	59	44	technology	technology	NOUN
easat-1581	59	45	issn	issn	PROPN
easat-1581	59	46	:	:	PUNCT
easat-1581	59	47	2576	2576	NUM
easat-1581	59	48	-	-	SYM
easat-1581	59	49	8484	8484	NUM
easat-1581	59	50	vol	vol	NOUN
easat-1581	59	51	.	.	PROPN
easat-1581	60	1	8	8	NUM
easat-1581	60	2	,	,	PUNCT
easat-1581	60	3	no	no	INTJ
easat-1581	60	4	.	.	NOUN
easat-1581	60	5	4	4	NUM
easat-1581	60	6	:	:	PUNCT
easat-1581	60	7	2055	2055	NUM
easat-1581	60	8	-	-	SYM
easat-1581	60	9	2062	2062	NUM
easat-1581	60	10	,	,	PUNCT
easat-1581	60	11	2024	2024	NUM
easat-1581	60	12	doi	doi	NOUN
easat-1581	60	13	:	:	PUNCT
easat-1581	60	14	10.55214/25768484.v8i4.1581	10.55214/25768484.v8i4.1581	NUM
easat-1581	60	15	©	©	PROPN
easat-1581	60	16	2024	2024	NUM
easat-1581	60	17	by	by	ADP
easat-1581	60	18	the	the	DET
easat-1581	60	19	author	author	NOUN
easat-1581	60	20	;	;	PUNCT
easat-1581	60	21	licensee	licensee	PROPN
easat-1581	60	22	learning	learning	NOUN
easat-1581	60	23	gate	gate	NOUN
easat-1581	60	24	3	3	NUM
easat-1581	60	25	.	.	PUNCT
easat-1581	60	26	sample	sample	NOUN
easat-1581	60	27	characteristics	characteristic	NOUN
easat-1581	60	28	to	to	PART
easat-1581	60	29	determine	determine	VERB
easat-1581	60	30	the	the	DET
easat-1581	60	31	sample	sample	NOUN
easat-1581	60	32	characteristics	characteristic	NOUN
easat-1581	60	33	,	,	PUNCT
easat-1581	60	34	a	a	DET
easat-1581	60	35	percentage	percentage	NOUN
easat-1581	60	36	analysis	analysis	NOUN
easat-1581	60	37	on	on	ADP
easat-1581	60	38	demographic	demographic	ADJ
easat-1581	60	39	data	datum	NOUN
easat-1581	60	40	was	be	AUX
easat-1581	60	41	performed	perform	VERB
easat-1581	60	42	.	.	PUNCT
easat-1581	61	1	table	table	NOUN
easat-1581	61	2	1	1	NUM
easat-1581	61	3	.	.	PUNCT
easat-1581	61	4	demographic	demographic	ADJ
easat-1581	61	5	profile	profile	NOUN
easat-1581	61	6	.	.	PUNCT
easat-1581	62	1	variables	variable	NOUN
easat-1581	62	2	groups	group	NOUN
easat-1581	62	3	number	number	NOUN
easat-1581	62	4	percentage	percentage	NOUN
easat-1581	62	5	branch	branch	NOUN
easat-1581	62	6	locality	locality	NOUN
easat-1581	62	7	urban	urban	ADJ
easat-1581	62	8	197	197	NUM
easat-1581	62	9	59	59	NUM
easat-1581	62	10	rural	rural	ADJ
easat-1581	62	11	138	138	NUM
easat-1581	62	12	41	41	NUM
easat-1581	62	13	type	type	NOUN
easat-1581	62	14	of	of	ADP
easat-1581	62	15	bank	bank	NOUN
easat-1581	62	16	old	old	ADJ
easat-1581	62	17	generation	generation	NOUN
easat-1581	62	18	188	188	NUM
easat-1581	62	19	56	56	NUM
easat-1581	62	20	new	new	ADJ
easat-1581	62	21	generation	generation	NOUN
easat-1581	62	22	147	147	NUM
easat-1581	62	23	44	44	NUM
easat-1581	62	24	experience	experience	NOUN
easat-1581	62	25	2	2	NUM
easat-1581	62	26	-	-	SYM
easat-1581	62	27	5	5	NUM
easat-1581	62	28	years	year	NOUN
easat-1581	62	29	112	112	NUM
easat-1581	62	30	34	34	NUM
easat-1581	62	31	5	5	NUM
easat-1581	62	32	-	-	SYM
easat-1581	62	33	10	10	NUM
easat-1581	62	34	years	year	NOUN
easat-1581	62	35	145	145	NUM
easat-1581	62	36	43	43	NUM
easat-1581	62	37	>	>	SYM
easat-1581	62	38	10	10	NUM
easat-1581	62	39	years	year	NOUN
easat-1581	62	40	78	78	NUM
easat-1581	62	41	23	23	NUM
easat-1581	62	42	designation	designation	NOUN
easat-1581	62	43	manager	manager	NOUN
easat-1581	62	44	87	87	NUM
easat-1581	62	45	26	26	NUM
easat-1581	62	46	chief	chief	ADJ
easat-1581	62	47	manager	manager	NOUN
easat-1581	62	48	75	75	NUM
easat-1581	62	49	22	22	NUM
easat-1581	62	50	senior	senior	ADJ
easat-1581	62	51	manager	manager	NOUN
easat-1581	62	52	89	89	NUM
easat-1581	62	53	27	27	NUM
easat-1581	62	54	credit	credit	NOUN
easat-1581	62	55	officer	officer	NOUN
easat-1581	62	56	84	84	NUM
easat-1581	62	57	25	25	NUM
easat-1581	62	58	source	source	NOUN
easat-1581	62	59	:	:	PUNCT
easat-1581	62	60	primary	primary	ADJ
easat-1581	62	61	data	datum	NOUN
easat-1581	62	62	the	the	DET
easat-1581	62	63	structure	structure	NOUN
easat-1581	62	64	of	of	ADP
easat-1581	62	65	the	the	DET
easat-1581	62	66	sample	sample	NOUN
easat-1581	62	67	based	base	VERB
easat-1581	62	68	on	on	ADP
easat-1581	62	69	branch	branch	NOUN
easat-1581	62	70	locality	locality	NOUN
easat-1581	62	71	,	,	PUNCT
easat-1581	62	72	type	type	NOUN
easat-1581	62	73	of	of	ADP
easat-1581	62	74	bank	bank	NOUN
easat-1581	62	75	,	,	PUNCT
easat-1581	62	76	designation	designation	NOUN
easat-1581	62	77	,	,	PUNCT
easat-1581	62	78	and	and	CCONJ
easat-1581	62	79	the	the	DET
easat-1581	62	80	number	number	NOUN
easat-1581	62	81	of	of	ADP
easat-1581	62	82	years	year	NOUN
easat-1581	62	83	spent	spend	VERB
easat-1581	62	84	in	in	ADP
easat-1581	62	85	the	the	DET
easat-1581	62	86	job	job	NOUN
easat-1581	62	87	is	be	AUX
easat-1581	62	88	shown	show	VERB
easat-1581	62	89	in	in	ADP
easat-1581	62	90	table	table	NOUN
easat-1581	62	91	1	1	NUM
easat-1581	62	92	.	.	PUNCT
easat-1581	63	1	the	the	DET
easat-1581	63	2	majority	majority	NOUN
easat-1581	63	3	of	of	ADP
easat-1581	63	4	the	the	DET
easat-1581	63	5	bank	bank	NOUN
easat-1581	63	6	branches	branch	NOUN
easat-1581	63	7	59	59	NUM
easat-1581	63	8	%	%	NOUN
easat-1581	63	9	contacted	contact	VERB
easat-1581	63	10	for	for	ADP
easat-1581	63	11	this	this	DET
easat-1581	63	12	study	study	NOUN
easat-1581	63	13	are	be	AUX
easat-1581	63	14	located	locate	VERB
easat-1581	63	15	in	in	ADP
easat-1581	63	16	urban	urban	ADJ
easat-1581	63	17	areas	area	NOUN
easat-1581	63	18	,	,	PUNCT
easat-1581	63	19	signifying	signify	VERB
easat-1581	63	20	a	a	DET
easat-1581	63	21	potential	potential	ADJ
easat-1581	63	22	focus	focus	NOUN
easat-1581	63	23	on	on	ADP
easat-1581	63	24	urban	urban	ADJ
easat-1581	63	25	branches	branch	NOUN
easat-1581	63	26	and	and	CCONJ
easat-1581	63	27	41	41	NUM
easat-1581	63	28	%	%	NOUN
easat-1581	63	29	located	locate	VERB
easat-1581	63	30	in	in	ADP
easat-1581	63	31	rural	rural	ADJ
easat-1581	63	32	areas	area	NOUN
easat-1581	63	33	.	.	PUNCT
easat-1581	64	1	the	the	DET
easat-1581	64	2	private	private	ADJ
easat-1581	64	3	sector	sector	NOUN
easat-1581	64	4	banks	bank	NOUN
easat-1581	64	5	are	be	AUX
easat-1581	64	6	categorized	categorize	VERB
easat-1581	64	7	into	into	ADP
easat-1581	64	8	old	old	ADJ
easat-1581	64	9	and	and	CCONJ
easat-1581	64	10	new	new	ADJ
easat-1581	64	11	generation	generation	NOUN
easat-1581	64	12	banks	bank	NOUN
easat-1581	64	13	,	,	PUNCT
easat-1581	64	14	56	56	NUM
easat-1581	64	15	%	%	NOUN
easat-1581	64	16	of	of	ADP
easat-1581	64	17	the	the	DET
easat-1581	64	18	bank	bank	NOUN
easat-1581	64	19	branches	branch	NOUN
easat-1581	64	20	are	be	AUX
easat-1581	64	21	old	old	ADJ
easat-1581	64	22	generation	generation	NOUN
easat-1581	64	23	banks	bank	NOUN
easat-1581	64	24	and	and	CCONJ
easat-1581	64	25	44	44	NUM
easat-1581	64	26	%	%	NOUN
easat-1581	64	27	are	be	AUX
easat-1581	64	28	new	new	ADJ
easat-1581	64	29	generation	generation	NOUN
easat-1581	64	30	banks	bank	NOUN
easat-1581	64	31	indicating	indicate	VERB
easat-1581	64	32	a	a	DET
easat-1581	64	33	slight	slight	ADJ
easat-1581	64	34	dominance	dominance	NOUN
easat-1581	64	35	of	of	ADP
easat-1581	64	36	old	old	ADJ
easat-1581	64	37	generation	generation	NOUN
easat-1581	64	38	banks	bank	NOUN
easat-1581	64	39	over	over	ADP
easat-1581	64	40	new	new	ADJ
easat-1581	64	41	generation	generation	NOUN
easat-1581	64	42	banks	bank	NOUN
easat-1581	64	43	.	.	PUNCT
easat-1581	65	1	the	the	DET
easat-1581	65	2	work	work	NOUN
easat-1581	65	3	experience	experience	NOUN
easat-1581	65	4	of	of	ADP
easat-1581	65	5	the	the	DET
easat-1581	65	6	respondents	respondent	NOUN
easat-1581	65	7	revealed	reveal	VERB
easat-1581	65	8	that	that	SCONJ
easat-1581	65	9	43	43	NUM
easat-1581	65	10	%	%	NOUN
easat-1581	65	11	having	have	VERB
easat-1581	65	12	5	5	NUM
easat-1581	65	13	-	-	SYM
easat-1581	65	14	10	10	NUM
easat-1581	65	15	years	year	NOUN
easat-1581	65	16	of	of	ADP
easat-1581	65	17	experience	experience	NOUN
easat-1581	65	18	,	,	PUNCT
easat-1581	65	19	followed	follow	VERB
easat-1581	65	20	by	by	ADP
easat-1581	65	21	34	34	NUM
easat-1581	65	22	%	%	NOUN
easat-1581	65	23	with	with	ADP
easat-1581	65	24	2	2	NUM
easat-1581	65	25	-	-	SYM
easat-1581	65	26	5	5	NUM
easat-1581	65	27	years	year	NOUN
easat-1581	65	28	of	of	ADP
easat-1581	65	29	experience	experience	NOUN
easat-1581	65	30	and	and	CCONJ
easat-1581	65	31	a	a	DET
easat-1581	65	32	smaller	small	ADJ
easat-1581	65	33	proportion	proportion	NOUN
easat-1581	65	34	23	23	NUM
easat-1581	65	35	%	%	NOUN
easat-1581	65	36	having	have	VERB
easat-1581	65	37	more	more	ADJ
easat-1581	65	38	than	than	ADP
easat-1581	65	39	10	10	NUM
easat-1581	65	40	years	year	NOUN
easat-1581	65	41	of	of	ADP
easat-1581	65	42	experience	experience	NOUN
easat-1581	65	43	.	.	PUNCT
easat-1581	66	1	the	the	DET
easat-1581	66	2	researcher	researcher	NOUN
easat-1581	66	3	contacted	contact	VERB
easat-1581	66	4	a	a	DET
easat-1581	66	5	diverse	diverse	ADJ
easat-1581	66	6	designation	designation	NOUN
easat-1581	66	7	of	of	ADP
easat-1581	66	8	the	the	DET
easat-1581	66	9	respondents	respondent	NOUN
easat-1581	66	10	with	with	ADP
easat-1581	66	11	a	a	DET
easat-1581	66	12	slight	slight	ADJ
easat-1581	66	13	predominance	predominance	NOUN
easat-1581	66	14	of	of	ADP
easat-1581	66	15	senior	senior	ADJ
easat-1581	66	16	managers	manager	NOUN
easat-1581	66	17	(	(	PUNCT
easat-1581	66	18	27	27	NUM
easat-1581	66	19	%	%	NOUN
easat-1581	66	20	)	)	PUNCT
easat-1581	66	21	,	,	PUNCT
easat-1581	66	22	followed	follow	VERB
easat-1581	66	23	closely	closely	ADV
easat-1581	66	24	by	by	ADP
easat-1581	66	25	managers	manager	NOUN
easat-1581	66	26	(	(	PUNCT
easat-1581	66	27	26	26	NUM
easat-1581	66	28	%	%	NOUN
easat-1581	66	29	)	)	PUNCT
easat-1581	66	30	,	,	PUNCT
easat-1581	66	31	credit	credit	NOUN
easat-1581	66	32	officers	officer	NOUN
easat-1581	66	33	(	(	PUNCT
easat-1581	66	34	25	25	NUM
easat-1581	66	35	%	%	NOUN
easat-1581	66	36	)	)	PUNCT
easat-1581	66	37	and	and	CCONJ
easat-1581	66	38	chief	chief	ADJ
easat-1581	66	39	managers	manager	NOUN
easat-1581	66	40	(	(	PUNCT
easat-1581	66	41	22	22	NUM
easat-1581	66	42	%	%	NOUN
easat-1581	66	43	)	)	PUNCT
easat-1581	66	44	.	.	PUNCT
easat-1581	67	1	4	4	X
easat-1581	67	2	.	.	X
easat-1581	67	3	garret	garret	NOUN
easat-1581	67	4	ranking	rank	VERB
easat-1581	67	5	to	to	PART
easat-1581	67	6	find	find	VERB
easat-1581	67	7	out	out	ADP
easat-1581	67	8	the	the	DET
easat-1581	67	9	extent	extent	NOUN
easat-1581	67	10	of	of	ADP
easat-1581	67	11	the	the	DET
easat-1581	67	12	influence	influence	NOUN
easat-1581	67	13	of	of	ADP
easat-1581	67	14	the	the	DET
easat-1581	67	15	factors	factor	NOUN
easat-1581	67	16	,	,	PUNCT
easat-1581	67	17	garrett	garrett	PROPN
easat-1581	67	18	's	's	PART
easat-1581	67	19	ranking	ranking	ADJ
easat-1581	67	20	technique	technique	NOUN
easat-1581	67	21	is	be	AUX
easat-1581	67	22	adopted	adopt	VERB
easat-1581	67	23	.	.	PUNCT
easat-1581	68	1	the	the	DET
easat-1581	68	2	method	method	NOUN
easat-1581	68	3	is	be	AUX
easat-1581	68	4	applied	apply	VERB
easat-1581	68	5	to	to	PART
easat-1581	68	6	rank	rank	VERB
easat-1581	68	7	the	the	DET
easat-1581	68	8	respondents	respondent	NOUN
easat-1581	68	9	'	'	PART
easat-1581	68	10	preferences	preference	NOUN
easat-1581	68	11	based	base	VERB
easat-1581	68	12	on	on	ADP
easat-1581	68	13	many	many	ADJ
easat-1581	68	14	parameters	parameter	NOUN
easat-1581	68	15	.	.	PUNCT
easat-1581	69	1	the	the	DET
easat-1581	69	2	respondents	respondent	NOUN
easat-1581	69	3	were	be	AUX
easat-1581	69	4	asked	ask	VERB
easat-1581	69	5	to	to	PART
easat-1581	69	6	rank	rank	VERB
easat-1581	69	7	the	the	DET
easat-1581	69	8	given	give	VERB
easat-1581	69	9	segment	segment	NOUN
easat-1581	69	10	of	of	ADP
easat-1581	69	11	the	the	DET
easat-1581	69	12	customers	customer	NOUN
easat-1581	69	13	who	who	PRON
easat-1581	69	14	get	get	VERB
easat-1581	69	15	the	the	DET
easat-1581	69	16	maximum	maximum	ADJ
easat-1581	69	17	number	number	NOUN
easat-1581	69	18	of	of	ADP
easat-1581	69	19	defaulters	defaulter	NOUN
easat-1581	69	20	from	from	ADP
easat-1581	69	21	1	1	NUM
easat-1581	69	22	to	to	ADP
easat-1581	69	23	5	5	NUM
easat-1581	69	24	,	,	PUNCT
easat-1581	69	25	giving	give	VERB
easat-1581	69	26	1	1	NUM
easat-1581	69	27	to	to	ADP
easat-1581	69	28	the	the	DET
easat-1581	69	29	highest	high	ADJ
easat-1581	69	30	defaulter	defaulter	NOUN
easat-1581	69	31	and	and	CCONJ
easat-1581	69	32	5	5	NUM
easat-1581	69	33	to	to	ADP
easat-1581	69	34	the	the	DET
easat-1581	69	35	least	least	ADJ
easat-1581	69	36	high	high	ADJ
easat-1581	69	37	.	.	PUNCT
easat-1581	70	1	the	the	DET
easat-1581	70	2	merit	merit	NOUN
easat-1581	70	3	ranking	ranking	NOUN
easat-1581	70	4	provided	provide	VERB
easat-1581	70	5	by	by	ADP
easat-1581	70	6	the	the	DET
easat-1581	70	7	respondents	respondent	NOUN
easat-1581	70	8	was	be	AUX
easat-1581	70	9	transformed	transform	VERB
easat-1581	70	10	into	into	ADP
easat-1581	70	11	a	a	DET
easat-1581	70	12	percentage	percentage	NOUN
easat-1581	70	13	position	position	NOUN
easat-1581	70	14	.	.	PUNCT
easat-1581	71	1	percentage	percentage	NOUN
easat-1581	71	2	position	position	NOUN
easat-1581	71	3	=	=	NOUN
easat-1581	71	4	100	100	NUM
easat-1581	71	5	(	(	PUNCT
easat-1581	71	6	𝑅𝑖𝑗	𝑅𝑖𝑗	PROPN
easat-1581	71	7	−	−	PROPN
easat-1581	71	8	0.5	0.5	NUM
easat-1581	71	9	)	)	PUNCT
easat-1581	71	10	nj	nj	PROPN
easat-1581	71	11	where	where	SCONJ
easat-1581	71	12	rij	rij	PROPN
easat-1581	71	13	=	=	SYM
easat-1581	71	14	rank	rank	NOUN
easat-1581	71	15	given	give	VERB
easat-1581	71	16	for	for	ADP
easat-1581	71	17	the	the	DET
easat-1581	71	18	ith	ith	PROPN
easat-1581	71	19	variable	variable	NOUN
easat-1581	71	20	by	by	ADP
easat-1581	71	21	jth	jth	PROPN
easat-1581	71	22	respondents	respondent	NOUN
easat-1581	71	23	nj	nj	PROPN
easat-1581	72	1	=	=	PUNCT
easat-1581	72	2	number	number	NOUN
easat-1581	72	3	of	of	ADP
easat-1581	72	4	variables	variable	NOUN
easat-1581	72	5	ranked	rank	VERB
easat-1581	72	6	by	by	ADP
easat-1581	72	7	jth	jth	PROPN
easat-1581	72	8	respondents	respondents	PROPN
easat-1581	72	9	.	.	PUNCT
easat-1581	73	1	garret	garret	NOUN
easat-1581	73	2	and	and	CCONJ
easat-1581	73	3	woodworth	woodworth	PROPN
easat-1581	73	4	's	's	PART
easat-1581	73	5	(	(	PUNCT
easat-1581	73	6	1969	1969	NUM
easat-1581	73	7	)	)	PUNCT
easat-1581	73	8	table	table	NOUN
easat-1581	73	9	,	,	PUNCT
easat-1581	73	10	known	know	VERB
easat-1581	73	11	as	as	ADP
easat-1581	73	12	garrett	garrett	PROPN
easat-1581	73	13	's	's	PART
easat-1581	73	14	table	table	NOUN
easat-1581	73	15	,	,	PUNCT
easat-1581	73	16	converts	convert	VERB
easat-1581	73	17	the	the	DET
easat-1581	73	18	projected	project	VERB
easat-1581	73	19	percentage	percentage	NOUN
easat-1581	73	20	position	position	NOUN
easat-1581	73	21	into	into	ADP
easat-1581	73	22	scores	score	NOUN
easat-1581	73	23	.	.	PUNCT
easat-1581	74	1	next	next	ADV
easat-1581	74	2	,	,	PUNCT
easat-1581	74	3	the	the	DET
easat-1581	74	4	mean	mean	ADJ
easat-1581	74	5	values	value	NOUN
easat-1581	74	6	of	of	ADP
easat-1581	74	7	the	the	DET
easat-1581	74	8	scores	score	NOUN
easat-1581	74	9	with	with	ADP
easat-1581	74	10	the	the	DET
easat-1581	74	11	total	total	ADJ
easat-1581	74	12	value	value	NOUN
easat-1581	74	13	of	of	ADP
easat-1581	74	14	the	the	DET
easat-1581	74	15	scores	score	NOUN
easat-1581	74	16	are	be	AUX
easat-1581	74	17	calculated	calculate	VERB
easat-1581	74	18	,	,	PUNCT
easat-1581	74	19	adding	add	VERB
easat-1581	74	20	the	the	DET
easat-1581	74	21	individual	individual	ADJ
easat-1581	74	22	scores	score	NOUN
easat-1581	74	23	for	for	ADP
easat-1581	74	24	each	each	PRON
easat-1581	74	25	of	of	ADP
easat-1581	74	26	the	the	DET
easat-1581	74	27	items	item	NOUN
easat-1581	74	28	.	.	PUNCT
easat-1581	75	1	the	the	DET
easat-1581	75	2	components	component	NOUN
easat-1581	75	3	with	with	ADP
easat-1581	75	4	the	the	DET
easat-1581	75	5	greatest	great	ADJ
easat-1581	75	6	mean	mean	ADJ
easat-1581	75	7	value	value	NOUN
easat-1581	75	8	are	be	AUX
easat-1581	75	9	considered	consider	VERB
easat-1581	75	10	the	the	DET
easat-1581	75	11	most	most	ADV
easat-1581	75	12	significant	significant	ADJ
easat-1581	75	13	.	.	PUNCT
easat-1581	76	1	the	the	DET
easat-1581	76	2	result	result	NOUN
easat-1581	76	3	is	be	AUX
easat-1581	76	4	provided	provide	VERB
easat-1581	76	5	in	in	ADP
easat-1581	76	6	the	the	DET
easat-1581	76	7	following	follow	VERB
easat-1581	76	8	table	table	NOUN
easat-1581	76	9	.	.	PUNCT
easat-1581	77	1	2058	2058	NUM
easat-1581	77	2	edelweiss	edelweiss	PROPN
easat-1581	77	3	applied	apply	VERB
easat-1581	77	4	science	science	NOUN
easat-1581	77	5	and	and	CCONJ
easat-1581	77	6	technology	technology	NOUN
easat-1581	77	7	issn	issn	PROPN
easat-1581	77	8	:	:	PUNCT
easat-1581	77	9	2576	2576	NUM
easat-1581	77	10	-	-	SYM
easat-1581	77	11	8484	8484	NUM
easat-1581	77	12	vol	vol	NOUN
easat-1581	77	13	.	.	PROPN
easat-1581	77	14	8	8	NUM
easat-1581	77	15	,	,	PUNCT
easat-1581	77	16	no	no	INTJ
easat-1581	77	17	.	.	NOUN
easat-1581	77	18	4	4	NUM
easat-1581	77	19	:	:	PUNCT
easat-1581	77	20	2055	2055	NUM
easat-1581	77	21	-	-	SYM
easat-1581	77	22	2062	2062	NUM
easat-1581	77	23	,	,	PUNCT
easat-1581	77	24	2024	2024	NUM
easat-1581	77	25	doi	doi	NOUN
easat-1581	77	26	:	:	PUNCT
easat-1581	77	27	10.55214/25768484.v8i4.1581	10.55214/25768484.v8i4.1581	NUM
easat-1581	77	28	©	©	PROPN
easat-1581	77	29	2024	2024	NUM
easat-1581	77	30	by	by	ADP
easat-1581	77	31	the	the	DET
easat-1581	77	32	author	author	NOUN
easat-1581	77	33	;	;	PUNCT
easat-1581	77	34	licensee	licensee	PROPN
easat-1581	77	35	learning	learn	VERB
easat-1581	77	36	gate	gate	NOUN
easat-1581	77	37	table	table	NOUN
easat-1581	77	38	2	2	NUM
easat-1581	77	39	.	.	PUNCT
easat-1581	77	40	segment	segment	NOUN
easat-1581	77	41	of	of	ADP
easat-1581	77	42	the	the	DET
easat-1581	77	43	customers	customer	NOUN
easat-1581	77	44	with	with	ADP
easat-1581	77	45	maximum	maximum	ADJ
easat-1581	77	46	defaulters	defaulter	NOUN
easat-1581	77	47	-garret	-garret	NOUN
easat-1581	77	48	ranking	ranking	NOUN
easat-1581	77	49	.	.	PUNCT
easat-1581	78	1	percent	percent	NOUN
easat-1581	78	2	positions	position	NOUN
easat-1581	78	3	and	and	CCONJ
easat-1581	78	4	garret	garret	NOUN
easat-1581	78	5	values	value	NOUN
easat-1581	78	6	formula	formula	NOUN
easat-1581	78	7	percent	percent	NOUN
easat-1581	78	8	score	score	NOUN
easat-1581	78	9	mean	mean	VERB
easat-1581	78	10	rank	rank	NOUN
easat-1581	78	11	individual	individual	ADJ
easat-1581	78	12	100(1	100(1	NUM
easat-1581	78	13	-	-	SYM
easat-1581	78	14	0.5)/5	0.5)/5	NUM
easat-1581	78	15	10	10	NUM
easat-1581	78	16	75	75	NUM
easat-1581	78	17	61.3024	61.3024	NUM
easat-1581	78	18	2	2	NUM
easat-1581	78	19	retails	retail	NOUN
easat-1581	78	20	and	and	CCONJ
easat-1581	78	21	sme	sme	NOUN
easat-1581	78	22	100(2	100(2	NUM
easat-1581	78	23	-	-	SYM
easat-1581	78	24	0.5)/5	0.5)/5	NUM
easat-1581	78	25	30	30	NUM
easat-1581	78	26	65	65	NUM
easat-1581	78	27	67.09581	67.09581	NUM
easat-1581	78	28	1	1	NUM
easat-1581	78	29	corporate	corporate	ADJ
easat-1581	78	30	sector	sector	NOUN
easat-1581	78	31	100(3	100(3	NUM
easat-1581	78	32	-	-	SYM
easat-1581	78	33	0.5)/5	0.5)/5	NUM
easat-1581	78	34	50	50	NUM
easat-1581	78	35	50	50	NUM
easat-1581	78	36	57.69461	57.69461	NUM
easat-1581	78	37	3	3	NUM
easat-1581	78	38	service	service	NOUN
easat-1581	78	39	sector	sector	NOUN
easat-1581	78	40	100(4	100(4	NUM
easat-1581	78	41	-	-	SYM
easat-1581	78	42	0.5)/5	0.5)/5	NUM
easat-1581	78	43	70	70	NUM
easat-1581	78	44	39	39	NUM
easat-1581	78	45	31.00599	31.00599	NUM
easat-1581	78	46	5	5	NUM
easat-1581	78	47	farmers	farmer	NOUN
easat-1581	78	48	100(5	100(5	NUM
easat-1581	78	49	-	-	SYM
easat-1581	78	50	0.5)/5	0.5)/5	NUM
easat-1581	78	51	90	90	NUM
easat-1581	78	52	24	24	NUM
easat-1581	78	53	31.67964	31.67964	NUM
easat-1581	78	54	4	4	NUM
easat-1581	78	55	source	source	NOUN
easat-1581	78	56	:	:	PUNCT
easat-1581	78	57	spss	spss	ADJ
easat-1581	78	58	output	output	NOUN
easat-1581	78	59	computed	compute	VERB
easat-1581	78	60	by	by	ADP
easat-1581	78	61	the	the	DET
easat-1581	78	62	researcher	researcher	NOUN
easat-1581	78	63	using	use	VERB
easat-1581	78	64	primary	primary	ADJ
easat-1581	78	65	data	datum	NOUN
easat-1581	78	66	.	.	PUNCT
easat-1581	79	1	table	table	NOUN
easat-1581	79	2	2	2	NUM
easat-1581	79	3	identifies	identify	VERB
easat-1581	79	4	the	the	DET
easat-1581	79	5	customers	customer	NOUN
easat-1581	79	6	segment	segment	VERB
easat-1581	79	7	with	with	ADP
easat-1581	79	8	maximum	maximum	ADJ
easat-1581	79	9	defaulters	defaulter	NOUN
easat-1581	79	10	using	use	VERB
easat-1581	79	11	garret	garret	NOUN
easat-1581	79	12	’s	’s	PART
easat-1581	79	13	ranking	rank	VERB
easat-1581	79	14	technique	technique	NOUN
easat-1581	79	15	.	.	PUNCT
easat-1581	80	1	based	base	VERB
easat-1581	80	2	on	on	ADP
easat-1581	80	3	the	the	DET
easat-1581	80	4	result	result	NOUN
easat-1581	80	5	it	it	PRON
easat-1581	80	6	is	be	AUX
easat-1581	80	7	understood	understand	VERB
easat-1581	80	8	that	that	SCONJ
easat-1581	80	9	‘	'	PUNCT
easat-1581	80	10	retails	retail	NOUN
easat-1581	80	11	and	and	CCONJ
easat-1581	80	12	smes	sme	NOUN
easat-1581	80	13	’	'	PUNCT
easat-1581	80	14	are	be	AUX
easat-1581	80	15	the	the	DET
easat-1581	80	16	major	major	ADJ
easat-1581	80	17	defaulters	defaulter	NOUN
easat-1581	80	18	with	with	ADP
easat-1581	80	19	the	the	DET
easat-1581	80	20	highest	high	ADJ
easat-1581	80	21	garret	garret	NOUN
easat-1581	80	22	score	score	NOUN
easat-1581	80	23	of	of	ADP
easat-1581	80	24	65	65	NUM
easat-1581	80	25	and	and	CCONJ
easat-1581	80	26	an	an	DET
easat-1581	80	27	average	average	ADJ
easat-1581	80	28	score	score	NOUN
easat-1581	80	29	of	of	ADP
easat-1581	80	30	67.096	67.096	NUM
easat-1581	80	31	.	.	PUNCT
easat-1581	81	1	accordingly	accordingly	ADV
easat-1581	81	2	,	,	PUNCT
easat-1581	81	3	‘	'	PUNCT
easat-1581	81	4	individual	individual	ADJ
easat-1581	81	5	’	'	PUNCT
easat-1581	81	6	with	with	ADP
easat-1581	81	7	scores	score	NOUN
easat-1581	81	8	of	of	ADP
easat-1581	81	9	75	75	NUM
easat-1581	81	10	and	and	CCONJ
easat-1581	81	11	an	an	DET
easat-1581	81	12	average	average	ADJ
easat-1581	81	13	score	score	NOUN
easat-1581	81	14	of	of	ADP
easat-1581	81	15	61.3024	61.3024	NUM
easat-1581	81	16	is	be	AUX
easat-1581	81	17	signified	signify	VERB
easat-1581	81	18	second	second	ADJ
easat-1581	81	19	.	.	PUNCT
easat-1581	82	1	the	the	DET
easat-1581	82	2	calculation	calculation	NOUN
easat-1581	82	3	with	with	ADP
easat-1581	82	4	an	an	DET
easat-1581	82	5	average	average	ADJ
easat-1581	82	6	score	score	NOUN
easat-1581	82	7	of	of	ADP
easat-1581	82	8	50	50	NUM
easat-1581	82	9	ranked	rank	VERB
easat-1581	82	10	‘	'	PUNCT
easat-1581	82	11	corporate	corporate	ADJ
easat-1581	82	12	sector	sector	NOUN
easat-1581	82	13	’	'	PUNCT
easat-1581	82	14	third	third	NOUN
easat-1581	82	15	.	.	PUNCT
easat-1581	83	1	‘	'	PUNCT
easat-1581	83	2	farmers	farmer	NOUN
easat-1581	83	3	with	with	ADP
easat-1581	83	4	an	an	DET
easat-1581	83	5	average	average	ADJ
easat-1581	83	6	score	score	NOUN
easat-1581	83	7	of	of	ADP
easat-1581	83	8	29	29	NUM
easat-1581	83	9	come	come	VERB
easat-1581	83	10	4th	4th	ADJ
easat-1581	83	11	and	and	CCONJ
easat-1581	83	12	a	a	DET
easat-1581	83	13	score	score	NOUN
easat-1581	83	14	of	of	ADP
easat-1581	83	15	39	39	NUM
easat-1581	83	16	with	with	ADP
easat-1581	83	17	an	an	DET
easat-1581	83	18	average	average	ADJ
easat-1581	83	19	score	score	NOUN
easat-1581	83	20	of	of	ADP
easat-1581	83	21	31.00599	31.00599	NUM
easat-1581	83	22	service	service	NOUN
easat-1581	83	23	sector	sector	NOUN
easat-1581	83	24	is	be	AUX
easat-1581	83	25	the	the	DET
easat-1581	83	26	least	least	ADJ
easat-1581	83	27	.	.	PUNCT
easat-1581	84	1	5	5	X
easat-1581	84	2	.	.	X
easat-1581	84	3	testing	testing	NOUN
easat-1581	84	4	of	of	ADP
easat-1581	84	5	hypothesis	hypothesis	NOUN
easat-1581	84	6	to	to	PART
easat-1581	84	7	examine	examine	VERB
easat-1581	84	8	if	if	SCONJ
easat-1581	84	9	there	there	PRON
easat-1581	84	10	is	be	VERB
easat-1581	84	11	any	any	DET
easat-1581	84	12	difference	difference	NOUN
easat-1581	84	13	between	between	ADP
easat-1581	84	14	old	old	ADJ
easat-1581	84	15	and	and	CCONJ
easat-1581	84	16	new	new	ADJ
easat-1581	84	17	generation	generation	NOUN
easat-1581	84	18	private	private	ADJ
easat-1581	84	19	sector	sector	NOUN
easat-1581	84	20	banks	bank	NOUN
easat-1581	84	21	on	on	ADP
easat-1581	84	22	reasons	reason	NOUN
easat-1581	84	23	for	for	ADP
easat-1581	84	24	loan	loan	NOUN
easat-1581	84	25	delinquency	delinquency	NOUN
easat-1581	84	26	,	,	PUNCT
easat-1581	84	27	debt	debt	NOUN
easat-1581	84	28	recovery	recovery	NOUN
easat-1581	84	29	procedures	procedure	NOUN
easat-1581	84	30	,	,	PUNCT
easat-1581	84	31	debt	debt	NOUN
easat-1581	84	32	recovery	recovery	NOUN
easat-1581	84	33	challenges	challenge	NOUN
easat-1581	84	34	and	and	CCONJ
easat-1581	84	35	measures	measure	NOUN
easat-1581	84	36	taken	take	VERB
easat-1581	84	37	to	to	PART
easat-1581	84	38	increase	increase	VERB
easat-1581	84	39	debt	debt	NOUN
easat-1581	84	40	recovery	recovery	NOUN
easat-1581	84	41	,	,	PUNCT
easat-1581	84	42	an	an	DET
easat-1581	84	43	independent	independent	ADJ
easat-1581	84	44	sample	sample	NOUN
easat-1581	84	45	t	t	PROPN
easat-1581	84	46	-	-	PUNCT
easat-1581	84	47	test	test	NOUN
easat-1581	84	48	has	have	AUX
easat-1581	84	49	been	be	AUX
easat-1581	84	50	used	use	VERB
easat-1581	84	51	.	.	PUNCT
easat-1581	85	1	5.1	5.1	NUM
easat-1581	85	2	.	.	PUNCT
easat-1581	85	3	internal	internal	ADJ
easat-1581	85	4	cause	cause	NOUN
easat-1581	85	5	of	of	ADP
easat-1581	85	6	loan	loan	NOUN
easat-1581	85	7	delinquency	delinquency	NOUN
easat-1581	85	8	variables	variable	NOUN
easat-1581	85	9	considered	consider	VERB
easat-1581	85	10	for	for	ADP
easat-1581	85	11	the	the	DET
easat-1581	85	12	analysis	analysis	NOUN
easat-1581	85	13	lack	lack	NOUN
easat-1581	85	14	of	of	ADP
easat-1581	85	15	knowledge	knowledge	NOUN
easat-1581	85	16	about	about	ADP
easat-1581	85	17	credit	credit	NOUN
easat-1581	85	18	policy	policy	NOUN
easat-1581	85	19	and	and	CCONJ
easat-1581	85	20	procedures	procedure	NOUN
easat-1581	85	21	(	(	PUNCT
easat-1581	85	22	ic1	ic1	ADJ
easat-1581	85	23	)	)	PUNCT
easat-1581	85	24	,	,	PUNCT
easat-1581	85	25	inadequate	inadequate	ADJ
easat-1581	85	26	staff	staff	NOUN
easat-1581	85	27	training	training	NOUN
easat-1581	85	28	(	(	PUNCT
easat-1581	85	29	ic2	ic2	PROPN
easat-1581	85	30	)	)	PUNCT
easat-1581	85	31	for	for	ADP
easat-1581	85	32	poor	poor	ADJ
easat-1581	85	33	loan	loan	NOUN
easat-1581	85	34	portfolio	portfolio	NOUN
easat-1581	85	35	management	management	NOUN
easat-1581	85	36	(	(	PUNCT
easat-1581	85	37	ic3	ic3	NOUN
easat-1581	85	38	)	)	PUNCT
easat-1581	85	39	inadequate	inadequate	ADJ
easat-1581	85	40	monitoring	monitoring	NOUN
easat-1581	85	41	and	and	CCONJ
easat-1581	85	42	follow	follow	VERB
easat-1581	85	43	-	-	PUNCT
easat-1581	85	44	up	up	NOUN
easat-1581	85	45	(	(	PUNCT
easat-1581	85	46	ic4	ic4	ADJ
easat-1581	85	47	)	)	PUNCT
easat-1581	85	48	inadequate	inadequate	ADJ
easat-1581	85	49	collateral	collateral	NOUN
easat-1581	85	50	(	(	PUNCT
easat-1581	85	51	ic5	ic5	NOUN
easat-1581	85	52	)	)	PUNCT
easat-1581	85	53	table	table	NOUN
easat-1581	85	54	3	3	NUM
easat-1581	85	55	.	.	PUNCT
easat-1581	85	56	independent	independent	ADJ
easat-1581	85	57	sample	sample	PROPN
easat-1581	85	58	t	t	PROPN
easat-1581	85	59	-	-	PUNCT
easat-1581	85	60	test	test	NOUN
easat-1581	85	61	on	on	ADP
easat-1581	85	62	the	the	DET
easat-1581	85	63	internal	internal	ADJ
easat-1581	85	64	cause	cause	NOUN
easat-1581	85	65	of	of	ADP
easat-1581	85	66	loan	loan	NOUN
easat-1581	85	67	delinquency	delinquency	NOUN
easat-1581	85	68	of	of	ADP
easat-1581	85	69	private	private	ADJ
easat-1581	85	70	sector	sector	NOUN
easat-1581	85	71	banks	bank	NOUN
easat-1581	85	72	.	.	PUNCT
easat-1581	86	1	independent	independent	ADJ
easat-1581	86	2	samples	sample	NOUN
easat-1581	86	3	test	test	NOUN
easat-1581	86	4	items	item	NOUN
easat-1581	86	5	type	type	NOUN
easat-1581	86	6	of	of	ADP
easat-1581	86	7	bank	bank	NOUN
easat-1581	86	8	n	n	PRON
easat-1581	86	9	mean	mean	VERB
easat-1581	86	10	sd	sd	ADP
easat-1581	86	11	levene	levene	NOUN
easat-1581	86	12	's	's	PART
easat-1581	86	13	test	test	NOUN
easat-1581	86	14	for	for	ADP
easat-1581	86	15	equality	equality	NOUN
easat-1581	86	16	of	of	ADP
easat-1581	86	17	variances	variance	NOUN
easat-1581	86	18	t	t	NOUN
easat-1581	86	19	-	-	PUNCT
easat-1581	86	20	test	test	NOUN
easat-1581	86	21	for	for	ADP
easat-1581	86	22	equality	equality	NOUN
easat-1581	86	23	of	of	ADP
easat-1581	86	24	means	means	PROPN
easat-1581	86	25	f	f	PROPN
easat-1581	86	26	sig	sig	PROPN
easat-1581	86	27	.	.	PUNCT
easat-1581	87	1	t	t	PROPN
easat-1581	87	2	df	df	PROPN
easat-1581	87	3	sig	sig	PROPN
easat-1581	87	4	.	.	PUNCT
easat-1581	88	1	(	(	PUNCT
easat-1581	88	2	2tailed	2tailed	NUM
easat-1581	88	3	)	)	PUNCT
easat-1581	88	4	ic1	ic1	VERB
easat-1581	88	5	old	old	ADJ
easat-1581	88	6	generation	generation	NOUN
easat-1581	88	7	188	188	NUM
easat-1581	88	8	4.0638	4.0638	NUM
easat-1581	88	9	0.72847	0.72847	NUM
easat-1581	88	10	5.133	5.133	NUM
easat-1581	88	11	0.024	0.024	NUM
easat-1581	88	12	-1.286	-1.286	NUM
easat-1581	88	13	333	333	NUM
easat-1581	88	14	0.199	0.199	NUM
easat-1581	88	15	new	new	ADJ
easat-1581	88	16	generation	generation	NOUN
easat-1581	88	17	147	147	NUM
easat-1581	88	18	4.1565	4.1565	NUM
easat-1581	88	19	0.54522	0.54522	NUM
easat-1581	88	20	-1.331	-1.331	NUM
easat-1581	88	21	332.40	332.40	NUM
easat-1581	88	22	0.184	0.184	NUM
easat-1581	88	23	ic2	ic2	ADJ
easat-1581	88	24	old	old	ADJ
easat-1581	88	25	generation	generation	NOUN
easat-1581	88	26	188	188	NUM
easat-1581	88	27	4.0372	4.0372	NUM
easat-1581	88	28	0.68887	0.68887	NUM
easat-1581	88	29	0.127	0.127	NUM
easat-1581	88	30	0.722	0.722	NUM
easat-1581	88	31	-1.404	-1.404	NOUN
easat-1581	88	32	333	333	NUM
easat-1581	88	33	0.161	0.161	NUM
easat-1581	88	34	new	new	ADJ
easat-1581	88	35	generation	generation	NOUN
easat-1581	88	36	147	147	NUM
easat-1581	88	37	4.1361	4.1361	NUM
easat-1581	88	38	0.56906	0.56906	NUM
easat-1581	88	39	-1.437	-1.437	NUM
easat-1581	88	40	331.97	331.97	NUM
easat-1581	88	41	0.152	0.152	NUM
easat-1581	88	42	ic3	ic3	NOUN
easat-1581	88	43	old	old	ADJ
easat-1581	88	44	generation	generation	NOUN
easat-1581	88	45	188	188	NUM
easat-1581	88	46	4.0319	4.0319	NUM
easat-1581	88	47	0.70827	0.70827	NUM
easat-1581	88	48	0.002	0.002	NUM
easat-1581	88	49	0.965	0.965	NUM
easat-1581	88	50	-2.217	-2.217	NUM
easat-1581	88	51	333	333	NUM
easat-1581	88	52	0.027	0.027	NUM
easat-1581	88	53	new	new	ADJ
easat-1581	88	54	generation	generation	NOUN
easat-1581	88	55	147	147	NUM
easat-1581	88	56	4.1905	4.1905	NUM
easat-1581	88	57	0.56536	0.56536	NUM
easat-1581	88	58	-2.279	-2.279	NOUN
easat-1581	88	59	332.84	332.84	NUM
easat-1581	88	60	0.023	0.023	NUM
easat-1581	88	61	ic4	ic4	PRON
easat-1581	88	62	old	old	ADJ
easat-1581	88	63	generation	generation	NOUN
easat-1581	88	64	188	188	NUM
easat-1581	88	65	4.0053	4.0053	NUM
easat-1581	88	66	0.68986	0.68986	NUM
easat-1581	88	67	0.009	0.009	NUM
easat-1581	88	68	0.926	0.926	NUM
easat-1581	88	69	-2.344	-2.344	PROPN
easat-1581	88	70	333	333	NUM
easat-1581	88	71	0.020	0.020	NUM
easat-1581	88	72	new	new	ADJ
easat-1581	88	73	generation	generation	NOUN
easat-1581	88	74	147	147	NUM
easat-1581	88	75	4.1701	4.1701	NUM
easat-1581	88	76	0.56586	0.56586	NUM
easat-1581	88	77	-2.401	-2.401	PUNCT
easat-1581	88	78	332.21	332.21	NUM
easat-1581	88	79	0.017	0.017	NUM
easat-1581	88	80	ic5	ic5	VERB
easat-1581	88	81	old	old	ADJ
easat-1581	88	82	generation	generation	NOUN
easat-1581	88	83	188	188	NUM
easat-1581	89	1	4.0479	4.0479	NUM
easat-1581	89	2	0.68821	0.68821	NUM
easat-1581	89	3	0.008	0.008	NUM
easat-1581	89	4	0.925	0.925	NUM
easat-1581	89	5	-2.492	-2.492	NUM
easat-1581	89	6	333	333	NUM
easat-1581	89	7	0.023	0.023	NUM
easat-1581	89	8	new	new	ADJ
easat-1581	89	9	generation	generation	NOUN
easat-1581	89	10	147	147	NUM
easat-1581	89	11	4.0816	4.0816	NUM
easat-1581	89	12	0.53006	0.53006	NUM
easat-1581	89	13	-2.507	-2.507	NUM
easat-1581	89	14	332.93	332.93	NUM
easat-1581	89	15	0.023	0.023	NUM
easat-1581	89	16	source	source	NOUN
easat-1581	89	17	:	:	PUNCT
easat-1581	89	18	spss	spss	ADJ
easat-1581	89	19	output	output	NOUN
easat-1581	89	20	computed	compute	VERB
easat-1581	89	21	by	by	ADP
easat-1581	89	22	the	the	DET
easat-1581	89	23	researcher	researcher	NOUN
easat-1581	89	24	using	use	VERB
easat-1581	89	25	primary	primary	ADJ
easat-1581	89	26	data	datum	NOUN
easat-1581	89	27	.	.	PUNCT
easat-1581	90	1	2059	2059	NUM
easat-1581	90	2	edelweiss	edelweiss	PROPN
easat-1581	90	3	applied	apply	VERB
easat-1581	90	4	science	science	NOUN
easat-1581	90	5	and	and	CCONJ
easat-1581	90	6	technology	technology	NOUN
easat-1581	90	7	issn	issn	PROPN
easat-1581	90	8	:	:	PUNCT
easat-1581	90	9	2576	2576	NUM
easat-1581	90	10	-	-	SYM
easat-1581	90	11	8484	8484	NUM
easat-1581	90	12	vol	vol	NOUN
easat-1581	90	13	.	.	PROPN
easat-1581	90	14	8	8	NUM
easat-1581	90	15	,	,	PUNCT
easat-1581	90	16	no	no	INTJ
easat-1581	90	17	.	.	NOUN
easat-1581	90	18	4	4	NUM
easat-1581	90	19	:	:	PUNCT
easat-1581	90	20	2055	2055	NUM
easat-1581	90	21	-	-	SYM
easat-1581	90	22	2062	2062	NUM
easat-1581	90	23	,	,	PUNCT
easat-1581	90	24	2024	2024	NUM
easat-1581	90	25	doi	doi	NOUN
easat-1581	90	26	:	:	PUNCT
easat-1581	90	27	10.55214/25768484.v8i4.1581	10.55214/25768484.v8i4.1581	NUM
easat-1581	90	28	©	©	PROPN
easat-1581	90	29	2024	2024	NUM
easat-1581	90	30	by	by	ADP
easat-1581	90	31	the	the	DET
easat-1581	90	32	author	author	NOUN
easat-1581	90	33	;	;	PUNCT
easat-1581	90	34	licensee	licensee	PROPN
easat-1581	90	35	learning	learning	NOUN
easat-1581	90	36	gate	gate	VERB
easat-1581	90	37	an	an	DET
easat-1581	90	38	independent	independent	ADJ
easat-1581	90	39	samples	sample	NOUN
easat-1581	90	40	t	t	NOUN
easat-1581	90	41	-	-	PUNCT
easat-1581	90	42	test	test	NOUN
easat-1581	90	43	is	be	AUX
easat-1581	90	44	performed	perform	VERB
easat-1581	90	45	to	to	PART
easat-1581	90	46	compare	compare	VERB
easat-1581	90	47	the	the	DET
easat-1581	90	48	scores	score	NOUN
easat-1581	90	49	for	for	ADP
easat-1581	90	50	several	several	ADJ
easat-1581	90	51	factors	factor	NOUN
easat-1581	90	52	on	on	ADP
easat-1581	90	53	the	the	DET
easat-1581	90	54	internal	internal	ADJ
easat-1581	90	55	cause	cause	NOUN
easat-1581	90	56	of	of	ADP
easat-1581	90	57	loan	loan	NOUN
easat-1581	90	58	delinquency	delinquency	NOUN
easat-1581	90	59	between	between	ADP
easat-1581	90	60	the	the	DET
easat-1581	90	61	old	old	ADJ
easat-1581	90	62	and	and	CCONJ
easat-1581	90	63	new	new	ADJ
easat-1581	90	64	generation	generation	NOUN
easat-1581	90	65	private	private	ADJ
easat-1581	90	66	sector	sector	NOUN
easat-1581	90	67	banks	bank	NOUN
easat-1581	90	68	on	on	ADP
easat-1581	90	69	the	the	DET
easat-1581	90	70	internal	internal	ADJ
easat-1581	90	71	cause	cause	NOUN
easat-1581	90	72	of	of	ADP
easat-1581	90	73	loan	loan	NOUN
easat-1581	90	74	delinquency	delinquency	NOUN
easat-1581	90	75	and	and	CCONJ
easat-1581	90	76	the	the	DET
easat-1581	90	77	results	result	NOUN
easat-1581	90	78	are	be	AUX
easat-1581	90	79	given	give	VERB
easat-1581	90	80	in	in	ADP
easat-1581	90	81	the	the	DET
easat-1581	90	82	table	table	NOUN
easat-1581	90	83	3	3	NUM
easat-1581	90	84	.	.	X
easat-1581	91	1	for	for	ADP
easat-1581	91	2	the	the	DET
easat-1581	91	3	lack	lack	NOUN
easat-1581	91	4	of	of	ADP
easat-1581	91	5	knowledge	knowledge	NOUN
easat-1581	91	6	about	about	ADP
easat-1581	91	7	credit	credit	NOUN
easat-1581	91	8	policy	policy	NOUN
easat-1581	91	9	and	and	CCONJ
easat-1581	91	10	procedures	procedure	NOUN
easat-1581	91	11	(	(	PUNCT
easat-1581	91	12	ic1	ic1	ADJ
easat-1581	91	13	)	)	PUNCT
easat-1581	91	14	,	,	PUNCT
easat-1581	91	15	there	there	PRON
easat-1581	91	16	was	be	VERB
easat-1581	91	17	no	no	DET
easat-1581	91	18	significant	significant	ADJ
easat-1581	91	19	difference	difference	NOUN
easat-1581	91	20	in	in	ADP
easat-1581	91	21	scores	score	NOUN
easat-1581	91	22	between	between	ADP
easat-1581	91	23	old	old	ADJ
easat-1581	91	24	-	-	PUNCT
easat-1581	91	25	generation	generation	NOUN
easat-1581	91	26	(	(	PUNCT
easat-1581	91	27	m	m	NOUN
easat-1581	91	28	=	=	NOUN
easat-1581	91	29	4.06	4.06	NUM
easat-1581	91	30	,	,	PUNCT
easat-1581	91	31	sd	sd	ADP
easat-1581	91	32	=	=	NOUN
easat-1581	91	33	0.73	0.73	NUM
easat-1581	91	34	)	)	PUNCT
easat-1581	91	35	and	and	CCONJ
easat-1581	91	36	new	new	ADJ
easat-1581	91	37	-	-	PUNCT
easat-1581	91	38	generation	generation	NOUN
easat-1581	91	39	banks	bank	NOUN
easat-1581	91	40	(	(	PUNCT
easat-1581	91	41	m	m	PROPN
easat-1581	91	42	=	=	NOUN
easat-1581	91	43	4.16	4.16	NUM
easat-1581	91	44	,	,	PUNCT
easat-1581	91	45	sd	sd	ADP
easat-1581	91	46	=	=	NOUN
easat-1581	91	47	0.55	0.55	NUM
easat-1581	91	48	)	)	PUNCT
easat-1581	91	49	;	;	PUNCT
easat-1581	91	50	t(333	t(333	ADV
easat-1581	91	51	)	)	PUNCT
easat-1581	92	1	=	=	SYM
easat-1581	92	2	−1.29	−1.29	NOUN
easat-1581	92	3	,	,	PUNCT
easat-1581	92	4	p	p	NOUN
easat-1581	92	5	=	=	NOUN
easat-1581	92	6	.199	.199	NUM
easat-1581	92	7	.	.	PUNCT
easat-1581	93	1	similarly	similarly	ADV
easat-1581	93	2	,	,	PUNCT
easat-1581	93	3	no	no	DET
easat-1581	93	4	significant	significant	ADJ
easat-1581	93	5	difference	difference	NOUN
easat-1581	93	6	was	be	AUX
easat-1581	93	7	found	find	VERB
easat-1581	93	8	in	in	ADP
easat-1581	93	9	the	the	DET
easat-1581	93	10	scores	score	NOUN
easat-1581	93	11	for	for	ADP
easat-1581	93	12	inadequate	inadequate	ADJ
easat-1581	93	13	staff	staff	NOUN
easat-1581	93	14	training	training	NOUN
easat-1581	93	15	between	between	ADP
easat-1581	93	16	old	old	ADJ
easat-1581	93	17	generation	generation	NOUN
easat-1581	93	18	(	(	PUNCT
easat-1581	93	19	ic2	ic2	PROPN
easat-1581	93	20	)	)	PUNCT
easat-1581	93	21	(	(	PUNCT
easat-1581	93	22	m	m	VERB
easat-1581	93	23	=	=	NOUN
easat-1581	93	24	4.04	4.04	NUM
easat-1581	93	25	,	,	PUNCT
easat-1581	93	26	sd	sd	ADP
easat-1581	93	27	=	=	NOUN
easat-1581	93	28	0.69	0.69	NUM
easat-1581	93	29	)	)	PUNCT
easat-1581	93	30	and	and	CCONJ
easat-1581	93	31	new	new	ADJ
easat-1581	93	32	generation	generation	NOUN
easat-1581	93	33	private	private	ADJ
easat-1581	93	34	sector	sector	NOUN
easat-1581	93	35	banks	bank	NOUN
easat-1581	93	36	(	(	PUNCT
easat-1581	93	37	m	m	PROPN
easat-1581	93	38	=	=	NOUN
easat-1581	93	39	4.14	4.14	NUM
easat-1581	93	40	,	,	PUNCT
easat-1581	93	41	sd	sd	ADP
easat-1581	93	42	=	=	SYM
easat-1581	93	43	0.57	0.57	NUM
easat-1581	93	44	)	)	PUNCT
easat-1581	93	45	;	;	PUNCT
easat-1581	93	46	t(333)=−1.40	t(333)=−1.40	NOUN
easat-1581	93	47	p=.199	p=.199	NOUN
easat-1581	93	48	.	.	PUNCT
easat-1581	94	1	however	however	ADV
easat-1581	94	2	,	,	PUNCT
easat-1581	94	3	significant	significant	ADJ
easat-1581	94	4	differences	difference	NOUN
easat-1581	94	5	were	be	AUX
easat-1581	94	6	observed	observe	VERB
easat-1581	94	7	in	in	ADP
easat-1581	94	8	three	three	NUM
easat-1581	94	9	other	other	ADJ
easat-1581	94	10	factors	factor	NOUN
easat-1581	94	11	.	.	PUNCT
easat-1581	95	1	for	for	ADP
easat-1581	95	2	poor	poor	ADJ
easat-1581	95	3	loan	loan	NOUN
easat-1581	95	4	portfolio	portfolio	NOUN
easat-1581	95	5	management	management	NOUN
easat-1581	95	6	(	(	PUNCT
easat-1581	95	7	ic3	ic3	PROPN
easat-1581	95	8	)	)	PUNCT
easat-1581	95	9	,	,	PUNCT
easat-1581	95	10	scores	score	NOUN
easat-1581	95	11	were	be	AUX
easat-1581	95	12	significantly	significantly	ADV
easat-1581	95	13	different	different	ADJ
easat-1581	95	14	between	between	ADP
easat-1581	95	15	old	old	ADJ
easat-1581	95	16	-	-	PUNCT
easat-1581	95	17	generation	generation	NOUN
easat-1581	95	18	(	(	PUNCT
easat-1581	95	19	m	m	NOUN
easat-1581	95	20	=	=	NOUN
easat-1581	95	21	4.03	4.03	NUM
easat-1581	95	22	,	,	PUNCT
easat-1581	95	23	sd	sd	ADP
easat-1581	95	24	=	=	SYM
easat-1581	95	25	0.71	0.71	NUM
easat-1581	95	26	)	)	PUNCT
easat-1581	95	27	and	and	CCONJ
easat-1581	95	28	new	new	ADJ
easat-1581	95	29	-	-	PUNCT
easat-1581	95	30	generation	generation	NOUN
easat-1581	95	31	private	private	ADJ
easat-1581	95	32	sector	sector	NOUN
easat-1581	95	33	banks	bank	NOUN
easat-1581	95	34	(	(	PUNCT
easat-1581	95	35	m	m	PROPN
easat-1581	95	36	=	=	NOUN
easat-1581	95	37	4.19	4.19	NUM
easat-1581	95	38	,	,	PUNCT
easat-1581	95	39	sd	sd	ADP
easat-1581	95	40	=	=	SYM
easat-1581	95	41	0.57	0.57	NUM
easat-1581	95	42	)	)	PUNCT
easat-1581	95	43	;	;	PUNCT
easat-1581	95	44	t(333	t(333	ADV
easat-1581	95	45	)	)	PUNCT
easat-1581	96	1	=	=	SYM
easat-1581	96	2	−2	−2	NOUN
easat-1581	96	3	.	.	PUNCT
easat-1581	97	1	p	p	X
easat-1581	97	2	=	=	PUNCT
easat-1581	97	3	.027	.027	NUM
easat-1581	97	4	.	.	PUNCT
easat-1581	98	1	in	in	ADP
easat-1581	98	2	terms	term	NOUN
easat-1581	98	3	of	of	ADP
easat-1581	98	4	inadequate	inadequate	ADJ
easat-1581	98	5	monitoring	monitoring	NOUN
easat-1581	98	6	and	and	CCONJ
easat-1581	98	7	follow	follow	VERB
easat-1581	98	8	-	-	PUNCT
easat-1581	98	9	up	up	NOUN
easat-1581	98	10	(	(	PUNCT
easat-1581	98	11	ic4	ic4	NOUN
easat-1581	98	12	)	)	PUNCT
easat-1581	98	13	,	,	PUNCT
easat-1581	98	14	there	there	PRON
easat-1581	98	15	was	be	VERB
easat-1581	98	16	a	a	DET
easat-1581	98	17	significant	significant	ADJ
easat-1581	98	18	difference	difference	NOUN
easat-1581	98	19	in	in	ADP
easat-1581	98	20	scores	score	NOUN
easat-1581	98	21	between	between	ADP
easat-1581	98	22	old	old	ADJ
easat-1581	98	23	generation	generation	NOUN
easat-1581	98	24	(	(	PUNCT
easat-1581	98	25	m	m	NOUN
easat-1581	98	26	=	=	NOUN
easat-1581	98	27	4.01	4.01	NUM
easat-1581	98	28	,	,	PUNCT
easat-1581	98	29	sd	sd	ADP
easat-1581	98	30	=	=	NOUN
easat-1581	98	31	0.69	0.69	NUM
easat-1581	98	32	)	)	PUNCT
easat-1581	98	33	and	and	CCONJ
easat-1581	98	34	new	new	ADJ
easat-1581	98	35	generation	generation	NOUN
easat-1581	98	36	private	private	ADJ
easat-1581	98	37	sector	sector	NOUN
easat-1581	98	38	banks	bank	NOUN
easat-1581	98	39	(	(	PUNCT
easat-1581	98	40	m	m	PROPN
easat-1581	98	41	=	=	NOUN
easat-1581	98	42	4.17	4.17	NUM
easat-1581	98	43	,	,	PUNCT
easat-1581	98	44	sd	sd	ADP
easat-1581	98	45	=	=	SYM
easat-1581	98	46	0.57	0.57	NUM
easat-1581	98	47	)	)	PUNCT
easat-1581	98	48	;	;	PUNCT
easat-1581	98	49	t(333)=−2.34	t(333)=−2.34	NOUN
easat-1581	98	50	,	,	PUNCT
easat-1581	98	51	p=.020	p=.020	NOUN
easat-1581	98	52	.	.	PUNCT
easat-1581	99	1	finally	finally	ADV
easat-1581	99	2	,	,	PUNCT
easat-1581	99	3	for	for	ADP
easat-1581	99	4	inadequate	inadequate	ADJ
easat-1581	99	5	collateral	collateral	NOUN
easat-1581	99	6	(	(	PUNCT
easat-1581	99	7	ic5	ic5	PROPN
easat-1581	99	8	)	)	PUNCT
easat-1581	99	9	,	,	PUNCT
easat-1581	99	10	a	a	DET
easat-1581	99	11	significant	significant	ADJ
easat-1581	99	12	difference	difference	NOUN
easat-1581	99	13	was	be	AUX
easat-1581	99	14	found	find	VERB
easat-1581	99	15	between	between	ADP
easat-1581	99	16	old	old	ADJ
easat-1581	99	17	-	-	PUNCT
easat-1581	99	18	generation	generation	NOUN
easat-1581	99	19	(	(	PUNCT
easat-1581	99	20	m	m	NOUN
easat-1581	99	21	=	=	NOUN
easat-1581	99	22	4.05	4.05	NUM
easat-1581	99	23	,	,	PUNCT
easat-1581	99	24	sd	sd	ADP
easat-1581	99	25	=	=	NOUN
easat-1581	99	26	0.69	0.69	NUM
easat-1581	99	27	)	)	PUNCT
easat-1581	99	28	and	and	CCONJ
easat-1581	99	29	new	new	ADJ
easat-1581	99	30	-	-	PUNCT
easat-1581	99	31	generation	generation	NOUN
easat-1581	99	32	private	private	ADJ
easat-1581	99	33	sector	sector	NOUN
easat-1581	99	34	banks	bank	NOUN
easat-1581	99	35	(	(	PUNCT
easat-1581	99	36	m	m	PROPN
easat-1581	99	37	=	=	NOUN
easat-1581	99	38	4.08	4.08	NUM
easat-1581	99	39	,	,	PUNCT
easat-1581	99	40	sd	sd	ADP
easat-1581	99	41	=	=	NOUN
easat-1581	99	42	0.53	0.53	NUM
easat-1581	99	43	)	)	PUNCT
easat-1581	99	44	;	;	PUNCT
easat-1581	99	45	t(333)=−2.49	t(333)=−2.49	NOUN
easat-1581	99	46	,	,	PUNCT
easat-1581	99	47	p=.023	p=.023	NOUN
easat-1581	99	48	.	.	PUNCT
easat-1581	100	1	5.2	5.2	NUM
easat-1581	100	2	.	.	PUNCT
easat-1581	101	1	external	external	ADJ
easat-1581	101	2	causes	cause	NOUN
easat-1581	101	3	of	of	ADP
easat-1581	101	4	loan	loan	NOUN
easat-1581	101	5	delinquency	delinquency	NOUN
easat-1581	101	6	–	–	PUNCT
easat-1581	101	7	variables	variable	NOUN
easat-1581	101	8	considered	consider	VERB
easat-1581	101	9	ec1	ec1	PROPN
easat-1581	101	10	impact	impact	NOUN
easat-1581	101	11	of	of	ADP
easat-1581	101	12	government	government	NOUN
easat-1581	101	13	schemes	scheme	NOUN
easat-1581	101	14	like	like	ADP
easat-1581	101	15	debt	debt	NOUN
easat-1581	101	16	waiver	waiver	NOUN
easat-1581	101	17	and	and	CCONJ
easat-1581	101	18	restructuring	restructure	VERB
easat-1581	101	19	on	on	ADP
easat-1581	101	20	loan	loan	NOUN
easat-1581	101	21	delinquency	delinquency	NOUN
easat-1581	101	22	ec2	ec2	PROPN
easat-1581	101	23	business	business	NOUN
easat-1581	101	24	failures	failure	NOUN
easat-1581	101	25	due	due	ADP
easat-1581	101	26	to	to	ADP
easat-1581	101	27	natural	natural	ADJ
easat-1581	101	28	disasters	disaster	NOUN
easat-1581	101	29	ec3	ec3	VERB
easat-1581	101	30	low	low	ADJ
easat-1581	101	31	business	business	NOUN
easat-1581	101	32	activities	activity	NOUN
easat-1581	101	33	and	and	CCONJ
easat-1581	101	34	economic	economic	ADJ
easat-1581	101	35	slowdowns	slowdown	NOUN
easat-1581	101	36	ec4	ec4	PROPN
easat-1581	101	37	changes	change	NOUN
easat-1581	101	38	in	in	ADP
easat-1581	101	39	laws	law	NOUN
easat-1581	101	40	and	and	CCONJ
easat-1581	101	41	regulations	regulation	NOUN
easat-1581	101	42	ec5	ec5	VERB
easat-1581	101	43	global	global	ADJ
easat-1581	101	44	economic	economic	ADJ
easat-1581	101	45	conditions	condition	NOUN
easat-1581	101	46	table	table	VERB
easat-1581	101	47	4	4	NUM
easat-1581	101	48	.	.	PUNCT
easat-1581	102	1	independent	independent	ADJ
easat-1581	102	2	sample	sample	PROPN
easat-1581	102	3	t	t	PROPN
easat-1581	102	4	-	-	PUNCT
easat-1581	102	5	test	test	NOUN
easat-1581	102	6	on	on	ADP
easat-1581	102	7	external	external	ADJ
easat-1581	102	8	causes	cause	NOUN
easat-1581	102	9	of	of	ADP
easat-1581	102	10	loan	loan	NOUN
easat-1581	102	11	delinquency	delinquency	NOUN
easat-1581	102	12	of	of	ADP
easat-1581	102	13	private	private	ADJ
easat-1581	102	14	sector	sector	NOUN
easat-1581	102	15	banks	bank	NOUN
easat-1581	102	16	.	.	PUNCT
easat-1581	103	1	independent	independent	ADJ
easat-1581	103	2	samples	sample	NOUN
easat-1581	103	3	test	test	NOUN
easat-1581	103	4	items	item	NOUN
easat-1581	103	5	type	type	NOUN
easat-1581	103	6	of	of	ADP
easat-1581	103	7	bank	bank	NOUN
easat-1581	103	8	n	n	PRON
easat-1581	103	9	mean	mean	VERB
easat-1581	103	10	sd	sd	ADP
easat-1581	103	11	levene	levene	NOUN
easat-1581	103	12	's	's	PART
easat-1581	103	13	test	test	NOUN
easat-1581	103	14	for	for	ADP
easat-1581	103	15	equality	equality	NOUN
easat-1581	103	16	of	of	ADP
easat-1581	103	17	variances	variance	NOUN
easat-1581	103	18	t	t	NOUN
easat-1581	103	19	-	-	PUNCT
easat-1581	103	20	test	test	NOUN
easat-1581	103	21	for	for	ADP
easat-1581	103	22	equality	equality	NOUN
easat-1581	103	23	of	of	ADP
easat-1581	103	24	means	means	PROPN
easat-1581	103	25	f	f	PROPN
easat-1581	103	26	sig	sig	PROPN
easat-1581	103	27	.	.	PROPN
easat-1581	104	1	t	t	PROPN
easat-1581	104	2	df	df	PROPN
easat-1581	104	3	sig.(2tailed	sig.(2taile	VERB
easat-1581	104	4	)	)	PUNCT
easat-1581	104	5	ec1	ec1	PROPN
easat-1581	104	6	old	old	ADJ
easat-1581	104	7	generation	generation	NOUN
easat-1581	104	8	188	188	NUM
easat-1581	104	9	3.8670	3.8670	NUM
easat-1581	104	10	0.73737	0.73737	NUM
easat-1581	104	11	10.288	10.288	NUM
easat-1581	104	12	0.001	0.001	NUM
easat-1581	104	13	-1.576	-1.576	SYM
easat-1581	104	14	333	333	NUM
easat-1581	104	15	0.116	0.116	NUM
easat-1581	104	16	new	new	ADJ
easat-1581	104	17	generation	generation	NOUN
easat-1581	104	18	147	147	NUM
easat-1581	104	19	3.9864	3.9864	NUM
easat-1581	104	20	0.61917	0.61917	NUM
easat-1581	104	21	-1.610	-1.610	PROPN
easat-1581	104	22	331.28	331.28	NUM
easat-1581	104	23	0.108	0.108	NUM
easat-1581	104	24	ec2	ec2	NOUN
easat-1581	104	25	old	old	ADJ
easat-1581	104	26	generation	generation	NOUN
easat-1581	104	27	188	188	NUM
easat-1581	104	28	3.8617	3.8617	NUM
easat-1581	104	29	0.72541	0.72541	NUM
easat-1581	104	30	0.819	0.819	NUM
easat-1581	104	31	0.366	0.366	NUM
easat-1581	104	32	-2.591	-2.591	NOUN
easat-1581	104	33	333	333	NUM
easat-1581	104	34	0.010	0.010	NUM
easat-1581	104	35	new	new	ADJ
easat-1581	104	36	generation	generation	NOUN
easat-1581	104	37	147	147	NUM
easat-1581	104	38	4.0612	4.0612	NUM
easat-1581	104	39	0.66440	0.66440	NUM
easat-1581	104	40	-2.619	-2.619	PUNCT
easat-1581	104	41	324.74	324.74	NUM
easat-1581	104	42	0.009	0.009	NUM
easat-1581	104	43	ec3	ec3	NOUN
easat-1581	104	44	old	old	ADJ
easat-1581	104	45	generation	generation	NOUN
easat-1581	104	46	188	188	NUM
easat-1581	104	47	3.8670	3.8670	NUM
easat-1581	104	48	0.73009	0.73009	NUM
easat-1581	104	49	0.706	0.706	NUM
easat-1581	104	50	0.401	0.401	NUM
easat-1581	104	51	-1.865	-1.865	NUM
easat-1581	104	52	333	333	NUM
easat-1581	104	53	0.063	0.063	NUM
easat-1581	104	54	new	new	ADJ
easat-1581	104	55	generation	generation	NOUN
easat-1581	104	56	147	147	NUM
easat-1581	104	57	4.0136	4.0136	NUM
easat-1581	104	58	0.69229	0.69229	NUM
easat-1581	104	59	-1.878	-1.878	PUNCT
easat-1581	104	60	320.88	320.88	NUM
easat-1581	104	61	0.061	0.061	NUM
easat-1581	104	62	ec4	ec4	NOUN
easat-1581	104	63	old	old	ADJ
easat-1581	104	64	generation	generation	NOUN
easat-1581	104	65	188	188	NUM
easat-1581	104	66	3.5904	3.5904	NUM
easat-1581	104	67	0.85738	0.85738	NUM
easat-1581	104	68	17.109	17.109	NUM
easat-1581	104	69	0.000	0.000	NUM
easat-1581	104	70	-2.354	-2.354	NOUN
easat-1581	105	1	333	333	NUM
easat-1581	105	2	0.019	0.019	NUM
easat-1581	105	3	new	new	ADJ
easat-1581	105	4	generation	generation	NOUN
easat-1581	105	5	147	147	NUM
easat-1581	105	6	3.7959	3.7959	NUM
easat-1581	105	7	0.70165	0.70165	NUM
easat-1581	105	8	-2.412	-2.412	PUNCT
easat-1581	105	9	332.29	332.29	NUM
easat-1581	105	10	0.016	0.016	NUM
easat-1581	105	11	ec5	ec5	NOUN
easat-1581	105	12	old	old	ADJ
easat-1581	105	13	generation	generation	NOUN
easat-1581	105	14	188	188	NUM
easat-1581	105	15	3.8777	3.8777	NUM
easat-1581	105	16	0.74642	0.74642	NUM
easat-1581	105	17	19.175	19.175	NUM
easat-1581	105	18	0.000	0.000	NUM
easat-1581	105	19	-1.578	-1.578	NUM
easat-1581	105	20	333	333	NUM
easat-1581	105	21	0.115	0.115	NUM
easat-1581	105	22	new	new	ADJ
easat-1581	105	23	generation	generation	NOUN
easat-1581	105	24	147	147	NUM
easat-1581	105	25	3.9932	3.9932	NUM
easat-1581	105	26	0.54265	0.54265	NUM
easat-1581	105	27	-1.639	-1.639	PUNCT
easat-1581	105	28	331.34	331.34	NUM
easat-1581	105	29	0.102	0.102	NUM
easat-1581	105	30	source	source	NOUN
easat-1581	105	31	:	:	PUNCT
easat-1581	105	32	spss	spss	ADJ
easat-1581	105	33	output	output	NOUN
easat-1581	105	34	computed	compute	VERB
easat-1581	105	35	by	by	ADP
easat-1581	105	36	the	the	DET
easat-1581	105	37	researcher	researcher	NOUN
easat-1581	105	38	using	use	VERB
easat-1581	105	39	primary	primary	ADJ
easat-1581	105	40	data	datum	NOUN
easat-1581	105	41	.	.	PUNCT
easat-1581	106	1	the	the	DET
easat-1581	106	2	results	result	NOUN
easat-1581	106	3	in	in	ADP
easat-1581	106	4	table	table	NOUN
easat-1581	106	5	4	4	NUM
easat-1581	106	6	indicated	indicate	VERB
easat-1581	106	7	that	that	SCONJ
easat-1581	106	8	there	there	PRON
easat-1581	106	9	is	be	VERB
easat-1581	106	10	no	no	DET
easat-1581	106	11	significant	significant	ADJ
easat-1581	106	12	differences	difference	NOUN
easat-1581	106	13	between	between	ADP
easat-1581	106	14	old	old	ADJ
easat-1581	106	15	(	(	PUNCT
easat-1581	106	16	m	m	PROPN
easat-1581	106	17	=	=	NOUN
easat-1581	106	18	3.867	3.867	NUM
easat-1581	106	19	,	,	PUNCT
easat-1581	106	20	sd	sd	ADP
easat-1581	106	21	=	=	NOUN
easat-1581	106	22	0.737	0.737	NUM
easat-1581	106	23	)	)	PUNCT
easat-1581	106	24	and	and	CCONJ
easat-1581	106	25	new	new	ADJ
easat-1581	106	26	generation	generation	NOUN
easat-1581	106	27	banks	bank	NOUN
easat-1581	106	28	(	(	PUNCT
easat-1581	106	29	m	m	PROPN
easat-1581	106	30	=	=	SYM
easat-1581	106	31	3.9864	3.9864	NUM
easat-1581	106	32	,	,	PUNCT
easat-1581	106	33	sd	sd	ADP
easat-1581	106	34	=	=	SYM
easat-1581	106	35	0.61917	0.61917	NUM
easat-1581	106	36	)	)	PUNCT
easat-1581	106	37	regarding	regard	VERB
easat-1581	106	38	the	the	DET
easat-1581	106	39	impact	impact	NOUN
easat-1581	106	40	of	of	ADP
easat-1581	106	41	government	government	NOUN
easat-1581	106	42	schemes	scheme	NOUN
easat-1581	106	43	like	like	ADP
easat-1581	106	44	debt	debt	NOUN
easat-1581	106	45	waiver	waiver	NOUN
easat-1581	106	46	and	and	CCONJ
easat-1581	106	47	restructuring	restructure	VERB
easat-1581	106	48	on	on	ADP
easat-1581	106	49	loan	loan	NOUN
easat-1581	106	50	delinquency	delinquency	NOUN
easat-1581	106	51	(	(	PUNCT
easat-1581	106	52	t(333	t(333	ADV
easat-1581	106	53	)	)	PUNCT
easat-1581	106	54	=	=	SYM
easat-1581	107	1	-1.576	-1.576	PROPN
easat-1581	107	2	,	,	PUNCT
easat-1581	107	3	p	p	X
easat-1581	107	4	=	=	NOUN
easat-1581	107	5	0.116	0.116	NUM
easat-1581	107	6	)	)	PUNCT
easat-1581	107	7	.	.	PUNCT
easat-1581	108	1	however	however	ADV
easat-1581	108	2	,	,	PUNCT
easat-1581	108	3	significant	significant	ADJ
easat-1581	108	4	differences	difference	NOUN
easat-1581	108	5	were	be	AUX
easat-1581	108	6	found	find	VERB
easat-1581	108	7	in	in	ADP
easat-1581	108	8	perceptions	perception	NOUN
easat-1581	108	9	of	of	ADP
easat-1581	108	10	the	the	DET
easat-1581	108	11	impact	impact	NOUN
easat-1581	108	12	of	of	ADP
easat-1581	108	13	business	business	NOUN
easat-1581	108	14	failures	failure	NOUN
easat-1581	108	15	due	due	ADP
easat-1581	108	16	to	to	ADP
easat-1581	108	17	natural	natural	ADJ
easat-1581	108	18	disasters	disaster	NOUN
easat-1581	108	19	(	(	PUNCT
easat-1581	108	20	t(333	t(333	ADV
easat-1581	108	21	)	)	PUNCT
easat-1581	108	22	=	=	SYM
easat-1581	109	1	-2.591	-2.591	NOUN
easat-1581	109	2	,	,	PUNCT
easat-1581	109	3	p	p	NOUN
easat-1581	109	4	=	=	NOUN
easat-1581	109	5	0.01	0.01	NUM
easat-1581	109	6	)	)	PUNCT
easat-1581	109	7	and	and	CCONJ
easat-1581	109	8	low	low	ADJ
easat-1581	109	9	business	business	NOUN
easat-1581	109	10	activities	activity	NOUN
easat-1581	109	11	and	and	CCONJ
easat-1581	109	12	economic	economic	ADJ
easat-1581	109	13	slowdowns	slowdown	NOUN
easat-1581	109	14	(	(	PUNCT
easat-1581	109	15	t(333	t(333	ADV
easat-1581	109	16	)	)	PUNCT
easat-1581	109	17	=	=	SYM
easat-1581	109	18	2060	2060	NUM
easat-1581	109	19	edelweiss	edelweiss	PROPN
easat-1581	109	20	applied	apply	VERB
easat-1581	109	21	science	science	NOUN
easat-1581	109	22	and	and	CCONJ
easat-1581	109	23	technology	technology	NOUN
easat-1581	109	24	issn	issn	PROPN
easat-1581	109	25	:	:	PUNCT
easat-1581	109	26	2576	2576	NUM
easat-1581	109	27	-	-	SYM
easat-1581	109	28	8484	8484	NUM
easat-1581	109	29	vol	vol	NOUN
easat-1581	109	30	.	.	PROPN
easat-1581	109	31	8	8	NUM
easat-1581	109	32	,	,	PUNCT
easat-1581	109	33	no	no	INTJ
easat-1581	109	34	.	.	NOUN
easat-1581	109	35	4	4	NUM
easat-1581	109	36	:	:	PUNCT
easat-1581	109	37	2055	2055	NUM
easat-1581	109	38	-	-	SYM
easat-1581	109	39	2062	2062	NUM
easat-1581	109	40	,	,	PUNCT
easat-1581	109	41	2024	2024	NUM
easat-1581	109	42	doi	doi	NOUN
easat-1581	109	43	:	:	PUNCT
easat-1581	109	44	10.55214/25768484.v8i4.1581	10.55214/25768484.v8i4.1581	NUM
easat-1581	109	45	©	©	PROPN
easat-1581	109	46	2024	2024	NUM
easat-1581	109	47	by	by	ADP
easat-1581	109	48	the	the	DET
easat-1581	109	49	author	author	NOUN
easat-1581	109	50	;	;	PUNCT
easat-1581	109	51	licensee	licensee	PROPN
easat-1581	109	52	learning	learn	VERB
easat-1581	109	53	gate	gate	NOUN
easat-1581	109	54	2.354	2.354	NUM
easat-1581	109	55	,	,	PUNCT
easat-1581	109	56	p	p	X
easat-1581	109	57	=	=	NOUN
easat-1581	109	58	0.019	0.019	NUM
easat-1581	109	59	)	)	PUNCT
easat-1581	109	60	between	between	ADP
easat-1581	109	61	old	old	ADJ
easat-1581	109	62	and	and	CCONJ
easat-1581	109	63	new	new	ADJ
easat-1581	109	64	generation	generation	NOUN
easat-1581	109	65	private	private	ADJ
easat-1581	109	66	sector	sector	NOUN
easat-1581	109	67	banks	bank	NOUN
easat-1581	109	68	.	.	PUNCT
easat-1581	110	1	conversely	conversely	ADV
easat-1581	110	2	,	,	PUNCT
easat-1581	110	3	no	no	DET
easat-1581	110	4	significant	significant	ADJ
easat-1581	110	5	differences	difference	NOUN
easat-1581	110	6	were	be	AUX
easat-1581	110	7	observed	observe	VERB
easat-1581	110	8	in	in	ADP
easat-1581	110	9	perceptions	perception	NOUN
easat-1581	110	10	of	of	ADP
easat-1581	110	11	changes	change	NOUN
easat-1581	110	12	in	in	ADP
easat-1581	110	13	laws	law	NOUN
easat-1581	110	14	and	and	CCONJ
easat-1581	110	15	regulations	regulation	NOUN
easat-1581	110	16	(	(	PUNCT
easat-1581	110	17	t(333	t(333	ADV
easat-1581	110	18	)	)	PUNCT
easat-1581	110	19	=	=	SYM
easat-1581	111	1	-1.865	-1.865	PROPN
easat-1581	111	2	,	,	PUNCT
easat-1581	111	3	p	p	X
easat-1581	111	4	=	=	NOUN
easat-1581	111	5	0.063	0.063	NUM
easat-1581	111	6	)	)	PUNCT
easat-1581	111	7	and	and	CCONJ
easat-1581	111	8	global	global	ADJ
easat-1581	111	9	economic	economic	ADJ
easat-1581	111	10	conditions	condition	NOUN
easat-1581	111	11	(	(	PUNCT
easat-1581	111	12	t(333	t(333	ADV
easat-1581	111	13	)	)	PUNCT
easat-1581	111	14	=	=	SYM
easat-1581	112	1	-1.578	-1.578	PROPN
easat-1581	112	2	,	,	PUNCT
easat-1581	112	3	p	p	X
easat-1581	112	4	=	=	NOUN
easat-1581	112	5	0.115	0.115	NUM
easat-1581	112	6	)	)	PUNCT
easat-1581	112	7	on	on	ADP
easat-1581	112	8	loan	loan	NOUN
easat-1581	112	9	delinquency	delinquency	NOUN
easat-1581	112	10	between	between	ADP
easat-1581	112	11	the	the	DET
easat-1581	112	12	two	two	NUM
easat-1581	112	13	types	type	NOUN
easat-1581	112	14	of	of	ADP
easat-1581	112	15	banks	bank	NOUN
easat-1581	112	16	.	.	PUNCT
easat-1581	113	1	overall	overall	ADV
easat-1581	113	2	,	,	PUNCT
easat-1581	113	3	the	the	DET
easat-1581	113	4	findings	finding	NOUN
easat-1581	113	5	suggest	suggest	VERB
easat-1581	113	6	varying	vary	VERB
easat-1581	113	7	perceptions	perception	NOUN
easat-1581	113	8	among	among	ADP
easat-1581	113	9	banks	bank	NOUN
easat-1581	113	10	regarding	regard	VERB
easat-1581	113	11	specific	specific	ADJ
easat-1581	113	12	external	external	ADJ
easat-1581	113	13	factors	factor	NOUN
easat-1581	113	14	influencing	influence	VERB
easat-1581	113	15	loan	loan	NOUN
easat-1581	113	16	delinquency	delinquency	NOUN
easat-1581	113	17	,	,	PUNCT
easat-1581	113	18	highlighting	highlight	VERB
easat-1581	113	19	potential	potential	ADJ
easat-1581	113	20	areas	area	NOUN
easat-1581	113	21	for	for	ADP
easat-1581	113	22	targeted	target	VERB
easat-1581	113	23	risk	risk	NOUN
easat-1581	113	24	management	management	NOUN
easat-1581	113	25	strategies	strategy	NOUN
easat-1581	113	26	.	.	PUNCT
easat-1581	114	1	5.3	5.3	NUM
easat-1581	114	2	.	.	PUNCT
easat-1581	115	1	borrower	borrower	NOUN
easat-1581	115	2	related	relate	VERB
easat-1581	115	3	causes	cause	NOUN
easat-1581	115	4	of	of	ADP
easat-1581	115	5	loan	loan	NOUN
easat-1581	115	6	delinquency	delinquency	NOUN
easat-1581	115	7	–	–	PUNCT
easat-1581	115	8	variables	variable	NOUN
easat-1581	115	9	considered	consider	VERB
easat-1581	115	10	business	business	NOUN
easat-1581	115	11	failure	failure	NOUN
easat-1581	115	12	due	due	ADP
easat-1581	115	13	to	to	ADP
easat-1581	115	14	poor	poor	ADJ
easat-1581	115	15	financial	financial	ADJ
easat-1581	115	16	management	management	NOUN
easat-1581	115	17	and	and	CCONJ
easat-1581	115	18	competition	competition	NOUN
easat-1581	115	19	(	(	PUNCT
easat-1581	115	20	bc1	bc1	NOUN
easat-1581	115	21	)	)	PUNCT
easat-1581	115	22	,	,	PUNCT
easat-1581	115	23	loan	loan	NOUN
easat-1581	115	24	funds	fund	NOUN
easat-1581	115	25	being	be	AUX
easat-1581	115	26	diverted	divert	VERB
easat-1581	115	27	to	to	ADP
easat-1581	115	28	other	other	ADJ
easat-1581	115	29	activities	activity	NOUN
easat-1581	115	30	(	(	PUNCT
easat-1581	115	31	bc2	bc2	NOUN
easat-1581	115	32	)	)	PUNCT
easat-1581	115	33	multiple	multiple	ADJ
easat-1581	115	34	borrowing	borrowing	NOUN
easat-1581	115	35	(	(	PUNCT
easat-1581	115	36	bc3	bc3	NOUN
easat-1581	115	37	)	)	PUNCT
easat-1581	115	38	job	job	NOUN
easat-1581	115	39	loss	loss	NOUN
easat-1581	115	40	(	(	PUNCT
easat-1581	115	41	bc4	bc4	NOUN
easat-1581	115	42	)	)	PUNCT
easat-1581	115	43	table	table	NOUN
easat-1581	115	44	5	5	NUM
easat-1581	115	45	.	.	PUNCT
easat-1581	116	1	independent	independent	ADJ
easat-1581	116	2	sample	sample	PROPN
easat-1581	116	3	t	t	PROPN
easat-1581	116	4	-	-	PUNCT
easat-1581	116	5	test	test	NOUN
easat-1581	116	6	on	on	ADP
easat-1581	116	7	borrower	borrower	NOUN
easat-1581	116	8	-	-	PUNCT
easat-1581	116	9	related	relate	VERB
easat-1581	116	10	causes	cause	NOUN
easat-1581	116	11	of	of	ADP
easat-1581	116	12	loan	loan	NOUN
easat-1581	116	13	delinquency	delinquency	NOUN
easat-1581	116	14	in	in	ADP
easat-1581	116	15	private	private	ADJ
easat-1581	116	16	sector	sector	NOUN
easat-1581	116	17	banks	bank	NOUN
easat-1581	116	18	.	.	PUNCT
easat-1581	117	1	independent	independent	ADJ
easat-1581	117	2	samples	sample	NOUN
easat-1581	117	3	test	test	NOUN
easat-1581	117	4	items	item	NOUN
easat-1581	117	5	type	type	NOUN
easat-1581	117	6	of	of	ADP
easat-1581	117	7	bank	bank	NOUN
easat-1581	117	8	n	n	PRON
easat-1581	117	9	mean	mean	VERB
easat-1581	117	10	sd	sd	ADP
easat-1581	117	11	levene	levene	NOUN
easat-1581	117	12	's	's	PART
easat-1581	117	13	test	test	NOUN
easat-1581	117	14	for	for	ADP
easat-1581	117	15	equality	equality	NOUN
easat-1581	117	16	of	of	ADP
easat-1581	117	17	variances	variance	NOUN
easat-1581	117	18	t	t	NOUN
easat-1581	117	19	-	-	PUNCT
easat-1581	117	20	test	test	NOUN
easat-1581	117	21	for	for	ADP
easat-1581	117	22	equality	equality	NOUN
easat-1581	117	23	of	of	ADP
easat-1581	117	24	means	means	PROPN
easat-1581	117	25	f	f	PROPN
easat-1581	117	26	sig	sig	PROPN
easat-1581	117	27	.	.	PUNCT
easat-1581	118	1	t	t	PROPN
easat-1581	118	2	df	df	PROPN
easat-1581	118	3	sig	sig	PROPN
easat-1581	118	4	.	.	PUNCT
easat-1581	119	1	(	(	PUNCT
easat-1581	119	2	2tailed	2tailed	NUM
easat-1581	119	3	)	)	PUNCT
easat-1581	119	4	bc1	bc1	NOUN
easat-1581	119	5	old	old	ADJ
easat-1581	119	6	generation	generation	NOUN
easat-1581	119	7	188	188	NUM
easat-1581	119	8	0.98	0.98	NUM
easat-1581	119	9	0.73	0.73	NUM
easat-1581	119	10	1.85	1.85	NUM
easat-1581	119	11	.174	.174	NUM
easat-1581	119	12	-3.16	-3.16	NOUN
easat-1581	119	13	333	333	NUM
easat-1581	119	14	.002	.002	NUM
easat-1581	119	15	new	new	ADJ
easat-1581	119	16	generation	generation	NOUN
easat-1581	119	17	147	147	NUM
easat-1581	119	18	0.88	0.88	NUM
easat-1581	119	19	0.55	0.55	NUM
easat-1581	119	20	-3.20	-3.20	NUM
easat-1581	119	21	327.31	327.31	NUM
easat-1581	119	22	.002	.002	NUM
easat-1581	119	23	bc2	bc2	NOUN
easat-1581	119	24	old	old	ADJ
easat-1581	119	25	generation	generation	NOUN
easat-1581	119	26	188	188	NUM
easat-1581	119	27	0.94	0.94	NUM
easat-1581	119	28	0.69	0.69	NUM
easat-1581	119	29	5.83	5.83	NUM
easat-1581	119	30	.016	.016	NUM
easat-1581	119	31	-5.20	-5.20	NUM
easat-1581	119	32	333	333	NUM
easat-1581	119	33	.000	.000	NUM
easat-1581	119	34	new	new	ADJ
easat-1581	119	35	generation	generation	NOUN
easat-1581	119	36	147	147	NUM
easat-1581	119	37	0.81	0.81	NUM
easat-1581	119	38	0.57	0.57	NUM
easat-1581	119	39	-5.30	-5.30	NUM
easat-1581	119	40	330.19	330.19	NUM
easat-1581	119	41	.000	.000	NUM
easat-1581	119	42	bc3	bc3	NOUN
easat-1581	119	43	old	old	ADJ
easat-1581	119	44	generation	generation	NOUN
easat-1581	119	45	188	188	NUM
easat-1581	119	46	0.97	0.97	NUM
easat-1581	119	47	0.71	0.71	NUM
easat-1581	119	48	15.57	15.57	NUM
easat-1581	119	49	.000	.000	NUM
easat-1581	119	50	-5.10	-5.10	NUM
easat-1581	119	51	333	333	NUM
easat-1581	119	52	.000	.000	NUM
easat-1581	119	53	new	new	ADJ
easat-1581	119	54	generation	generation	NOUN
easat-1581	119	55	147	147	NUM
easat-1581	119	56	0.76	0.76	NUM
easat-1581	119	57	0.57	0.57	NUM
easat-1581	119	58	-5.26	-5.26	NUM
easat-1581	119	59	332.99	332.99	NUM
easat-1581	119	60	.000	.000	NUM
easat-1581	119	61	bc4	bc4	PROPN
easat-1581	119	62	old	old	ADJ
easat-1581	119	63	generation	generation	NOUN
easat-1581	119	64	188	188	NUM
easat-1581	119	65	0.86	0.86	NUM
easat-1581	119	66	0.69	0.69	NUM
easat-1581	119	67	17.10	17.10	NUM
easat-1581	119	68	.000	.000	NUM
easat-1581	119	69	-2.35	-2.35	NUM
easat-1581	119	70	333	333	NUM
easat-1581	119	71	.019	.019	NUM
easat-1581	119	72	new	new	ADJ
easat-1581	119	73	generation	generation	NOUN
easat-1581	119	74	147	147	NUM
easat-1581	119	75	0.70	0.70	NUM
easat-1581	119	76	0.57	0.57	NUM
easat-1581	119	77	-2.41	-2.41	NUM
easat-1581	119	78	332.29	332.29	NUM
easat-1581	119	79	.016	.016	NUM
easat-1581	119	80	source	source	NOUN
easat-1581	119	81	:	:	PUNCT
easat-1581	119	82	spss	spss	PROPN
easat-1581	119	83	output	output	NOUN
easat-1581	119	84	computed	compute	VERB
easat-1581	119	85	by	by	ADP
easat-1581	119	86	the	the	DET
easat-1581	119	87	researcher	researcher	NOUN
easat-1581	119	88	using	use	VERB
easat-1581	119	89	primary	primary	ADJ
easat-1581	119	90	data	datum	NOUN
easat-1581	119	91	.	.	PUNCT
easat-1581	120	1	the	the	DET
easat-1581	120	2	borrower	borrower	NOUN
easat-1581	120	3	-	-	PUNCT
easat-1581	120	4	related	relate	VERB
easat-1581	120	5	causes	cause	NOUN
easat-1581	120	6	of	of	ADP
easat-1581	120	7	loan	loan	NOUN
easat-1581	120	8	delinquency	delinquency	NOUN
easat-1581	120	9	are	be	AUX
easat-1581	120	10	compared	compare	VERB
easat-1581	120	11	and	and	CCONJ
easat-1581	120	12	the	the	DET
easat-1581	120	13	result	result	NOUN
easat-1581	120	14	is	be	AUX
easat-1581	120	15	given	give	VERB
easat-1581	120	16	in	in	ADP
easat-1581	120	17	table	table	NOUN
easat-1581	120	18	5	5	NUM
easat-1581	120	19	.	.	PUNCT
easat-1581	121	1	an	an	DET
easat-1581	121	2	independent	independent	ADJ
easat-1581	121	3	samples	sample	NOUN
easat-1581	121	4	t	t	NOUN
easat-1581	121	5	-	-	PUNCT
easat-1581	121	6	test	test	NOUN
easat-1581	121	7	showed	show	VERB
easat-1581	121	8	that	that	SCONJ
easat-1581	121	9	the	the	DET
easat-1581	121	10	old	old	ADJ
easat-1581	121	11	banks	bank	NOUN
easat-1581	121	12	and	and	CCONJ
easat-1581	121	13	new	new	ADJ
easat-1581	121	14	generation	generation	NOUN
easat-1581	121	15	private	private	ADJ
easat-1581	121	16	sector	sector	NOUN
easat-1581	121	17	banks	bank	NOUN
easat-1581	121	18	differ	differ	VERB
easat-1581	121	19	in	in	ADP
easat-1581	121	20	all	all	DET
easat-1581	121	21	the	the	DET
easat-1581	121	22	borrower	borrower	NOUN
easat-1581	121	23	-	-	PUNCT
easat-1581	121	24	related	relate	VERB
easat-1581	121	25	causes	cause	NOUN
easat-1581	121	26	.	.	PUNCT
easat-1581	122	1	firstly	firstly	ADV
easat-1581	122	2	,	,	PUNCT
easat-1581	122	3	there	there	PRON
easat-1581	122	4	is	be	VERB
easat-1581	122	5	a	a	DET
easat-1581	122	6	notable	notable	ADJ
easat-1581	122	7	discrepancy	discrepancy	NOUN
easat-1581	122	8	regarding	regard	VERB
easat-1581	122	9	business	business	NOUN
easat-1581	122	10	failure	failure	NOUN
easat-1581	122	11	due	due	ADP
easat-1581	122	12	to	to	ADP
easat-1581	122	13	poor	poor	ADJ
easat-1581	122	14	financial	financial	ADJ
easat-1581	122	15	management	management	NOUN
easat-1581	122	16	and	and	CCONJ
easat-1581	122	17	competition	competition	NOUN
easat-1581	122	18	(	(	PUNCT
easat-1581	122	19	bc1	bc1	NOUN
easat-1581	122	20	)	)	PUNCT
easat-1581	122	21	,	,	PUNCT
easat-1581	122	22	with	with	ADP
easat-1581	122	23	old	old	ADJ
easat-1581	122	24	-	-	PUNCT
easat-1581	122	25	generation	generation	NOUN
easat-1581	122	26	banks	bank	NOUN
easat-1581	122	27	perceiving	perceive	VERB
easat-1581	122	28	this	this	DET
easat-1581	122	29	factor	factor	NOUN
easat-1581	122	30	(	(	PUNCT
easat-1581	122	31	m	m	NOUN
easat-1581	122	32	=	=	NOUN
easat-1581	122	33	0.98	0.98	NUM
easat-1581	122	34	,	,	PUNCT
easat-1581	122	35	sd	sd	ADV
easat-1581	122	36	=	=	NOUN
easat-1581	122	37	0.73	0.73	NUM
easat-1581	122	38	)	)	PUNCT
easat-1581	122	39	as	as	ADP
easat-1581	122	40	more	more	ADV
easat-1581	122	41	influential	influential	ADJ
easat-1581	122	42	compared	compare	VERB
easat-1581	122	43	to	to	ADP
easat-1581	122	44	new	new	ADJ
easat-1581	122	45	-	-	PUNCT
easat-1581	122	46	generation	generation	NOUN
easat-1581	122	47	banks	bank	NOUN
easat-1581	122	48	(	(	PUNCT
easat-1581	122	49	m	m	NOUN
easat-1581	122	50	=	=	NUM
easat-1581	122	51	0.88	0.88	NUM
easat-1581	122	52	,	,	PUNCT
easat-1581	122	53	sd	sd	ADP
easat-1581	122	54	=	=	SYM
easat-1581	122	55	0.55	0.55	NUM
easat-1581	122	56	)	)	PUNCT
easat-1581	122	57	,	,	PUNCT
easat-1581	122	58	a	a	DET
easat-1581	122	59	statistically	statistically	ADV
easat-1581	122	60	significant	significant	ADJ
easat-1581	122	61	difference	difference	NOUN
easat-1581	122	62	(	(	PUNCT
easat-1581	122	63	t(333	t(333	ADV
easat-1581	122	64	)	)	PUNCT
easat-1581	122	65	=	=	SYM
easat-1581	122	66	-3.16	-3.16	NOUN
easat-1581	122	67	,	,	PUNCT
easat-1581	122	68	p	p	X
easat-1581	122	69	=	=	NOUN
easat-1581	122	70	0.002	0.002	NUM
easat-1581	122	71	)	)	PUNCT
easat-1581	122	72	.	.	PUNCT
easat-1581	123	1	similarly	similarly	ADV
easat-1581	123	2	,	,	PUNCT
easat-1581	123	3	perceptions	perception	NOUN
easat-1581	123	4	diverge	diverge	VERB
easat-1581	123	5	significantly	significantly	ADV
easat-1581	123	6	on	on	ADP
easat-1581	123	7	the	the	DET
easat-1581	123	8	issue	issue	NOUN
easat-1581	123	9	of	of	ADP
easat-1581	123	10	loan	loan	NOUN
easat-1581	123	11	funds	fund	NOUN
easat-1581	123	12	being	be	AUX
easat-1581	123	13	diverted	divert	VERB
easat-1581	123	14	to	to	ADP
easat-1581	123	15	other	other	ADJ
easat-1581	123	16	activities	activity	NOUN
easat-1581	123	17	(	(	PUNCT
easat-1581	123	18	bc2	bc2	NOUN
easat-1581	123	19	)	)	PUNCT
easat-1581	123	20	,	,	PUNCT
easat-1581	123	21	where	where	SCONJ
easat-1581	123	22	old	old	ADJ
easat-1581	123	23	-	-	PUNCT
easat-1581	123	24	generation	generation	NOUN
easat-1581	123	25	banks	bank	NOUN
easat-1581	123	26	(	(	PUNCT
easat-1581	123	27	m	m	PROPN
easat-1581	123	28	=	=	NOUN
easat-1581	123	29	0.94	0.94	NUM
easat-1581	123	30	,	,	PUNCT
easat-1581	123	31	sd	sd	ADP
easat-1581	123	32	=	=	SYM
easat-1581	123	33	0.69	0.69	NUM
easat-1581	123	34	)	)	PUNCT
easat-1581	123	35	attribute	attribute	NOUN
easat-1581	123	36	more	more	ADJ
easat-1581	123	37	risk	risk	NOUN
easat-1581	123	38	compared	compare	VERB
easat-1581	123	39	to	to	ADP
easat-1581	123	40	new	new	ADJ
easat-1581	123	41	-	-	PUNCT
easat-1581	123	42	generation	generation	NOUN
easat-1581	123	43	banks	bank	NOUN
easat-1581	123	44	(	(	PUNCT
easat-1581	123	45	m	m	NOUN
easat-1581	123	46	=	=	NOUN
easat-1581	123	47	0.81	0.81	NUM
easat-1581	123	48	,	,	PUNCT
easat-1581	123	49	sd	sd	ADP
easat-1581	123	50	=	=	SYM
easat-1581	123	51	0.57	0.57	NUM
easat-1581	123	52	)	)	PUNCT
easat-1581	123	53	,	,	PUNCT
easat-1581	123	54	with	with	ADP
easat-1581	123	55	a	a	DET
easat-1581	123	56	strong	strong	ADJ
easat-1581	123	57	effect	effect	NOUN
easat-1581	123	58	size	size	NOUN
easat-1581	123	59	(	(	PUNCT
easat-1581	123	60	t(333	t(333	ADV
easat-1581	123	61	)	)	PUNCT
easat-1581	123	62	=	=	SYM
easat-1581	124	1	-5.20	-5.20	X
easat-1581	124	2	,	,	PUNCT
easat-1581	124	3	p	p	X
easat-1581	124	4	<	<	X
easat-1581	124	5	0.001	0.001	NUM
easat-1581	124	6	)	)	PUNCT
easat-1581	124	7	.	.	PUNCT
easat-1581	125	1	additionally	additionally	ADV
easat-1581	125	2	,	,	PUNCT
easat-1581	125	3	there	there	PRON
easat-1581	125	4	is	be	VERB
easat-1581	125	5	a	a	DET
easat-1581	125	6	substantial	substantial	ADJ
easat-1581	125	7	difference	difference	NOUN
easat-1581	125	8	in	in	ADP
easat-1581	125	9	views	view	NOUN
easat-1581	125	10	concerning	concern	VERB
easat-1581	125	11	multiple	multiple	ADJ
easat-1581	125	12	borrowing	borrowing	NOUN
easat-1581	125	13	(	(	PUNCT
easat-1581	125	14	bc3	bc3	PROPN
easat-1581	125	15	)	)	PUNCT
easat-1581	125	16	,	,	PUNCT
easat-1581	125	17	with	with	ADP
easat-1581	125	18	old	old	ADJ
easat-1581	125	19	-	-	PUNCT
easat-1581	125	20	generation	generation	NOUN
easat-1581	125	21	banks	bank	NOUN
easat-1581	125	22	(	(	PUNCT
easat-1581	125	23	m	m	NOUN
easat-1581	125	24	=	=	NOUN
easat-1581	125	25	0.97	0.97	NUM
easat-1581	125	26	,	,	PUNCT
easat-1581	125	27	sd	sd	ADP
easat-1581	125	28	=	=	SYM
easat-1581	125	29	0.71	0.71	NUM
easat-1581	125	30	)	)	PUNCT
easat-1581	125	31	viewing	view	VERB
easat-1581	125	32	it	it	PRON
easat-1581	125	33	as	as	ADP
easat-1581	125	34	riskier	risky	ADJ
easat-1581	125	35	than	than	ADP
easat-1581	125	36	new	new	ADJ
easat-1581	125	37	-	-	PUNCT
easat-1581	125	38	generation	generation	NOUN
easat-1581	125	39	banks	bank	NOUN
easat-1581	125	40	(	(	PUNCT
easat-1581	125	41	m	m	PROPN
easat-1581	125	42	=	=	NOUN
easat-1581	125	43	0.76	0.76	NUM
easat-1581	125	44	,	,	PUNCT
easat-1581	125	45	sd	sd	ADP
easat-1581	125	46	=	=	SYM
easat-1581	125	47	0.57	0.57	NUM
easat-1581	125	48	)	)	PUNCT
easat-1581	125	49	,	,	PUNCT
easat-1581	125	50	showing	show	VERB
easat-1581	125	51	a	a	DET
easat-1581	125	52	significant	significant	ADJ
easat-1581	125	53	statistical	statistical	ADJ
easat-1581	125	54	distinction	distinction	NOUN
easat-1581	125	55	(	(	PUNCT
easat-1581	125	56	t(333	t(333	ADJ
easat-1581	125	57	)	)	PUNCT
easat-1581	125	58	=	=	SYM
easat-1581	125	59	-5.10	-5.10	NOUN
easat-1581	125	60	,	,	PUNCT
easat-1581	125	61	p	p	X
easat-1581	125	62	<	<	X
easat-1581	125	63	0.001	0.001	NUM
easat-1581	125	64	)	)	PUNCT
easat-1581	125	65	.	.	PUNCT
easat-1581	126	1	finally	finally	ADV
easat-1581	126	2	,	,	PUNCT
easat-1581	126	3	perceptions	perception	NOUN
easat-1581	126	4	of	of	ADP
easat-1581	126	5	job	job	NOUN
easat-1581	126	6	loss	loss	NOUN
easat-1581	126	7	(	(	PUNCT
easat-1581	126	8	bc4	bc4	NOUN
easat-1581	126	9	)	)	PUNCT
easat-1581	126	10	impacting	impact	VERB
easat-1581	126	11	loan	loan	NOUN
easat-1581	126	12	delinquency	delinquency	NOUN
easat-1581	126	13	differ	differ	VERB
easat-1581	126	14	significantly	significantly	ADV
easat-1581	126	15	,	,	PUNCT
easat-1581	126	16	as	as	ADP
easat-1581	126	17	old	old	ADJ
easat-1581	126	18	-	-	PUNCT
easat-1581	126	19	generation	generation	NOUN
easat-1581	126	20	banks	bank	NOUN
easat-1581	126	21	(	(	PUNCT
easat-1581	126	22	m	m	NOUN
easat-1581	126	23	=	=	NOUN
easat-1581	126	24	0.86	0.86	NUM
easat-1581	126	25	,	,	PUNCT
easat-1581	126	26	sd	sd	ADP
easat-1581	126	27	=	=	SYM
easat-1581	126	28	0.69	0.69	NUM
easat-1581	126	29	)	)	PUNCT
easat-1581	126	30	attribute	attribute	NOUN
easat-1581	126	31	higher	high	ADJ
easat-1581	126	32	risk	risk	NOUN
easat-1581	126	33	compared	compare	VERB
easat-1581	126	34	to	to	ADP
easat-1581	126	35	newgeneration	newgeneration	NOUN
easat-1581	126	36	banks	bank	NOUN
easat-1581	126	37	(	(	PUNCT
easat-1581	126	38	m	m	NOUN
easat-1581	126	39	=	=	NOUN
easat-1581	126	40	0.70	0.70	NUM
easat-1581	126	41	,	,	PUNCT
easat-1581	126	42	sd	sd	ADP
easat-1581	126	43	=	=	SYM
easat-1581	126	44	0.57	0.57	NUM
easat-1581	126	45	)	)	PUNCT
easat-1581	126	46	,	,	PUNCT
easat-1581	126	47	with	with	ADP
easat-1581	126	48	a	a	DET
easat-1581	126	49	statistically	statistically	ADV
easat-1581	126	50	significant	significant	ADJ
easat-1581	126	51	finding	finding	NOUN
easat-1581	126	52	(	(	PUNCT
easat-1581	126	53	t(333	t(333	ADJ
easat-1581	126	54	)	)	PUNCT
easat-1581	126	55	=	=	SYM
easat-1581	127	1	-2.35	-2.35	NOUN
easat-1581	127	2	,	,	PUNCT
easat-1581	127	3	p	p	NOUN
easat-1581	127	4	=	=	NOUN
easat-1581	127	5	0.019	0.019	NUM
easat-1581	127	6	)	)	PUNCT
easat-1581	127	7	.	.	PUNCT
easat-1581	128	1	these	these	DET
easat-1581	128	2	findings	finding	NOUN
easat-1581	128	3	show	show	VERB
easat-1581	128	4	varying	vary	VERB
easat-1581	128	5	risk	risk	NOUN
easat-1581	128	6	assessments	assessment	NOUN
easat-1581	128	7	and	and	CCONJ
easat-1581	128	8	possibly	possibly	ADV
easat-1581	128	9	different	different	ADJ
easat-1581	128	10	approaches	approach	NOUN
easat-1581	128	11	to	to	ADP
easat-1581	128	12	borrower	borrower	NOUN
easat-1581	128	13	risk	risk	NOUN
easat-1581	128	14	management	management	NOUN
easat-1581	128	15	strategies	strategy	NOUN
easat-1581	128	16	between	between	ADP
easat-1581	128	17	old	old	ADJ
easat-1581	128	18	and	and	CCONJ
easat-1581	128	19	new	new	ADJ
easat-1581	128	20	-	-	PUNCT
easat-1581	128	21	generation	generation	NOUN
easat-1581	128	22	banks	bank	NOUN
easat-1581	128	23	,	,	PUNCT
easat-1581	128	24	suggesting	suggest	VERB
easat-1581	128	25	the	the	DET
easat-1581	128	26	need	need	NOUN
easat-1581	128	27	for	for	ADP
easat-1581	128	28	tailored	tailored	ADJ
easat-1581	128	29	2061	2061	NUM
easat-1581	128	30	edelweiss	edelweiss	PROPN
easat-1581	128	31	applied	apply	VERB
easat-1581	128	32	science	science	NOUN
easat-1581	128	33	and	and	CCONJ
easat-1581	128	34	technology	technology	NOUN
easat-1581	128	35	issn	issn	PROPN
easat-1581	128	36	:	:	PUNCT
easat-1581	128	37	2576	2576	NUM
easat-1581	128	38	-	-	SYM
easat-1581	128	39	8484	8484	NUM
easat-1581	128	40	vol	vol	NOUN
easat-1581	128	41	.	.	PROPN
easat-1581	128	42	8	8	NUM
easat-1581	128	43	,	,	PUNCT
easat-1581	128	44	no	no	INTJ
easat-1581	128	45	.	.	NOUN
easat-1581	129	1	4	4	NUM
easat-1581	129	2	:	:	PUNCT
easat-1581	129	3	2055	2055	NUM
easat-1581	129	4	-	-	SYM
easat-1581	129	5	2062	2062	NUM
easat-1581	129	6	,	,	PUNCT
easat-1581	129	7	2024	2024	NUM
easat-1581	129	8	doi	doi	NOUN
easat-1581	129	9	:	:	PUNCT
easat-1581	129	10	10.55214/25768484.v8i4.1581	10.55214/25768484.v8i4.1581	NUM
easat-1581	129	11	©	©	PROPN
easat-1581	129	12	2024	2024	NUM
easat-1581	129	13	by	by	ADP
easat-1581	129	14	the	the	DET
easat-1581	129	15	author	author	NOUN
easat-1581	129	16	;	;	PUNCT
easat-1581	129	17	licensee	licensee	PROPN
easat-1581	129	18	learning	learn	VERB
easat-1581	129	19	gate	gate	NOUN
easat-1581	129	20	risk	risk	NOUN
easat-1581	129	21	mitigation	mitigation	NOUN
easat-1581	129	22	approaches	approach	NOUN
easat-1581	129	23	and	and	CCONJ
easat-1581	129	24	borrower	borrower	NOUN
easat-1581	129	25	support	support	VERB
easat-1581	129	26	initiatives	initiative	NOUN
easat-1581	129	27	to	to	PART
easat-1581	129	28	address	address	VERB
easat-1581	129	29	these	these	DET
easat-1581	129	30	divergent	divergent	ADJ
easat-1581	129	31	perceptions	perception	NOUN
easat-1581	129	32	effectively	effectively	ADV
easat-1581	129	33	.	.	PUNCT
easat-1581	130	1	6	6	X
easat-1581	130	2	.	.	X
easat-1581	130	3	results	result	NOUN
easat-1581	130	4	and	and	CCONJ
easat-1581	130	5	discussion	discussion	VERB
easat-1581	130	6	the	the	DET
easat-1581	130	7	majority	majority	NOUN
easat-1581	130	8	of	of	ADP
easat-1581	130	9	the	the	DET
easat-1581	130	10	bank	bank	NOUN
easat-1581	130	11	branches	branch	NOUN
easat-1581	130	12	59	59	NUM
easat-1581	130	13	%	%	NOUN
easat-1581	130	14	are	be	AUX
easat-1581	130	15	located	locate	VERB
easat-1581	130	16	in	in	ADP
easat-1581	130	17	urban	urban	ADJ
easat-1581	130	18	areas	area	NOUN
easat-1581	130	19	and	and	CCONJ
easat-1581	130	20	43	43	NUM
easat-1581	130	21	%	%	NOUN
easat-1581	130	22	of	of	ADP
easat-1581	130	23	the	the	DET
easat-1581	130	24	respondents	respondent	NOUN
easat-1581	130	25	having	have	VERB
easat-1581	130	26	5	5	NUM
easat-1581	130	27	-	-	SYM
easat-1581	130	28	10	10	NUM
easat-1581	130	29	years	year	NOUN
easat-1581	130	30	of	of	ADP
easat-1581	130	31	experience	experience	NOUN
easat-1581	130	32	.	.	PUNCT
easat-1581	131	1	the	the	DET
easat-1581	131	2	senior	senior	ADJ
easat-1581	131	3	managers	manager	NOUN
easat-1581	131	4	(	(	PUNCT
easat-1581	131	5	27	27	NUM
easat-1581	131	6	%	%	NOUN
easat-1581	131	7	)	)	PUNCT
easat-1581	131	8	are	be	AUX
easat-1581	131	9	contacted	contact	VERB
easat-1581	131	10	more	more	ADJ
easat-1581	131	11	,	,	PUNCT
easat-1581	131	12	retail	retail	ADJ
easat-1581	131	13	and	and	CCONJ
easat-1581	131	14	smes	sme	NOUN
easat-1581	131	15	registered	register	VERB
easat-1581	131	16	major	major	ADJ
easat-1581	131	17	defaulters	defaulter	NOUN
easat-1581	131	18	.	.	PUNCT
easat-1581	132	1	a	a	DET
easat-1581	132	2	significant	significant	ADJ
easat-1581	132	3	difference	difference	NOUN
easat-1581	132	4	is	be	AUX
easat-1581	132	5	found	find	VERB
easat-1581	132	6	between	between	ADP
easat-1581	132	7	the	the	DET
easat-1581	132	8	old	old	ADJ
easat-1581	132	9	and	and	CCONJ
easat-1581	132	10	new	new	ADJ
easat-1581	132	11	generation	generation	NOUN
easat-1581	132	12	private	private	ADJ
easat-1581	132	13	sector	sector	NOUN
easat-1581	132	14	banks	bank	NOUN
easat-1581	132	15	in	in	ADP
easat-1581	132	16	the	the	DET
easat-1581	132	17	following	follow	VERB
easat-1581	132	18	factors	factor	NOUN
easat-1581	132	19	viz	viz	PROPN
easat-1581	132	20	.	.	PROPN
easat-1581	132	21	,	,	PUNCT
easat-1581	132	22	poor	poor	ADJ
easat-1581	132	23	loan	loan	NOUN
easat-1581	132	24	portfolio	portfolio	NOUN
easat-1581	132	25	management	management	NOUN
easat-1581	132	26	,	,	PUNCT
easat-1581	132	27	inadequate	inadequate	ADJ
easat-1581	132	28	monitoring	monitoring	NOUN
easat-1581	132	29	and	and	CCONJ
easat-1581	132	30	follow	follow	VERB
easat-1581	132	31	-	-	PUNCT
easat-1581	132	32	up	up	NOUN
easat-1581	132	33	and	and	CCONJ
easat-1581	132	34	inadequate	inadequate	ADJ
easat-1581	132	35	collateral	collateral	NOUN
easat-1581	132	36	of	of	ADP
easat-1581	132	37	internal	internal	ADJ
easat-1581	132	38	causes	cause	NOUN
easat-1581	132	39	of	of	ADP
easat-1581	132	40	loan	loan	NOUN
easat-1581	132	41	delinquency	delinquency	NOUN
easat-1581	132	42	.	.	PUNCT
easat-1581	133	1	in	in	ADP
easat-1581	133	2	the	the	DET
easat-1581	133	3	case	case	NOUN
easat-1581	133	4	of	of	ADP
easat-1581	133	5	external	external	ADJ
easat-1581	133	6	causes	cause	NOUN
easat-1581	133	7	of	of	ADP
easat-1581	133	8	loan	loan	NOUN
easat-1581	133	9	delinquency	delinquency	NOUN
easat-1581	133	10	,	,	PUNCT
easat-1581	133	11	a	a	DET
easat-1581	133	12	significant	significant	ADJ
easat-1581	133	13	difference	difference	NOUN
easat-1581	133	14	were	be	AUX
easat-1581	133	15	found	find	VERB
easat-1581	133	16	in	in	ADP
easat-1581	133	17	the	the	DET
easat-1581	133	18	perception	perception	NOUN
easat-1581	133	19	of	of	ADP
easat-1581	133	20	the	the	DET
easat-1581	133	21	impact	impact	NOUN
easat-1581	133	22	of	of	ADP
easat-1581	133	23	business	business	NOUN
easat-1581	133	24	failures	failure	NOUN
easat-1581	133	25	due	due	ADP
easat-1581	133	26	to	to	ADP
easat-1581	133	27	natural	natural	ADJ
easat-1581	133	28	disasters	disaster	NOUN
easat-1581	133	29	and	and	CCONJ
easat-1581	133	30	low	low	ADJ
easat-1581	133	31	business	business	NOUN
easat-1581	133	32	activities	activity	NOUN
easat-1581	133	33	and	and	CCONJ
easat-1581	133	34	economic	economic	ADJ
easat-1581	133	35	slowdowns	slowdown	NOUN
easat-1581	133	36	between	between	ADP
easat-1581	133	37	old	old	ADJ
easat-1581	133	38	and	and	CCONJ
easat-1581	133	39	new	new	ADJ
easat-1581	133	40	generation	generation	NOUN
easat-1581	133	41	private	private	ADJ
easat-1581	133	42	sector	sector	NOUN
easat-1581	133	43	banks	bank	NOUN
easat-1581	133	44	.	.	PUNCT
easat-1581	134	1	the	the	DET
easat-1581	134	2	borrower	borrower	NOUN
easat-1581	134	3	-	-	PUNCT
easat-1581	134	4	related	relate	VERB
easat-1581	134	5	causes	cause	NOUN
easat-1581	134	6	of	of	ADP
easat-1581	134	7	loan	loan	NOUN
easat-1581	134	8	delinquency	delinquency	NOUN
easat-1581	134	9	revealed	reveal	VERB
easat-1581	134	10	a	a	DET
easat-1581	134	11	significant	significant	ADJ
easat-1581	134	12	difference	difference	NOUN
easat-1581	134	13	in	in	ADP
easat-1581	134	14	the	the	DET
easat-1581	134	15	business	business	NOUN
easat-1581	134	16	failure	failure	NOUN
easat-1581	134	17	due	due	ADP
easat-1581	134	18	to	to	ADP
easat-1581	134	19	poor	poor	ADJ
easat-1581	134	20	financial	financial	ADJ
easat-1581	134	21	management	management	NOUN
easat-1581	134	22	and	and	CCONJ
easat-1581	134	23	competition	competition	NOUN
easat-1581	134	24	,	,	PUNCT
easat-1581	134	25	issue	issue	NOUN
easat-1581	134	26	of	of	ADP
easat-1581	134	27	loan	loan	NOUN
easat-1581	134	28	funds	fund	NOUN
easat-1581	134	29	being	be	AUX
easat-1581	134	30	diverted	divert	VERB
easat-1581	134	31	to	to	ADP
easat-1581	134	32	other	other	ADJ
easat-1581	134	33	activities	activity	NOUN
easat-1581	134	34	,	,	PUNCT
easat-1581	134	35	multiple	multiple	ADJ
easat-1581	134	36	borrowing	borrowing	NOUN
easat-1581	134	37	,	,	PUNCT
easat-1581	134	38	job	job	NOUN
easat-1581	134	39	loss	loss	NOUN
easat-1581	134	40	and	and	CCONJ
easat-1581	134	41	risk	risk	NOUN
easat-1581	134	42	management	management	NOUN
easat-1581	134	43	strategies	strategy	NOUN
easat-1581	134	44	.	.	PUNCT
easat-1581	135	1	it	it	PRON
easat-1581	135	2	is	be	AUX
easat-1581	135	3	revealed	reveal	VERB
easat-1581	135	4	from	from	ADP
easat-1581	135	5	the	the	DET
easat-1581	135	6	interaction	interaction	NOUN
easat-1581	135	7	with	with	ADP
easat-1581	135	8	the	the	DET
easat-1581	135	9	bankers	banker	NOUN
easat-1581	135	10	,	,	PUNCT
easat-1581	135	11	the	the	DET
easat-1581	135	12	metro	metro	PROPN
easat-1581	135	13	branches	branch	NOUN
easat-1581	135	14	have	have	AUX
easat-1581	135	15	given	give	VERB
easat-1581	135	16	huge	huge	ADJ
easat-1581	135	17	loans	loan	NOUN
easat-1581	135	18	to	to	ADP
easat-1581	135	19	construction	construction	NOUN
easat-1581	135	20	sectors	sector	NOUN
easat-1581	135	21	which	which	PRON
easat-1581	135	22	are	be	AUX
easat-1581	135	23	under	under	ADP
easat-1581	135	24	stress	stress	NOUN
easat-1581	135	25	now	now	ADV
easat-1581	135	26	.	.	PUNCT
easat-1581	136	1	hence	hence	ADV
easat-1581	136	2	banks	bank	NOUN
easat-1581	136	3	need	need	VERB
easat-1581	136	4	to	to	PART
easat-1581	136	5	reconsider	reconsider	VERB
easat-1581	136	6	the	the	DET
easat-1581	136	7	sectoral	sectoral	ADJ
easat-1581	136	8	portfolio	portfolio	NOUN
easat-1581	136	9	of	of	ADP
easat-1581	136	10	credit	credit	NOUN
easat-1581	136	11	and	and	CCONJ
easat-1581	136	12	re	re	AUX
easat-1581	136	13	fix	fix	VERB
easat-1581	136	14	the	the	DET
easat-1581	136	15	margin	margin	NOUN
easat-1581	136	16	and	and	CCONJ
easat-1581	136	17	recovery	recovery	NOUN
easat-1581	136	18	measures	measure	NOUN
easat-1581	136	19	.	.	PUNCT
easat-1581	137	1	also	also	ADV
easat-1581	137	2	some	some	DET
easat-1581	137	3	banks	bank	NOUN
easat-1581	137	4	are	be	AUX
easat-1581	137	5	monopolized	monopolize	VERB
easat-1581	137	6	by	by	ADP
easat-1581	137	7	gold	gold	ADJ
easat-1581	137	8	loan	loan	NOUN
easat-1581	137	9	portfolios	portfolio	NOUN
easat-1581	137	10	’	'	PUNCT
easat-1581	137	11	rbi	rbi	NOUN
easat-1581	137	12	need	need	VERB
easat-1581	137	13	to	to	PART
easat-1581	137	14	fix	fix	VERB
easat-1581	137	15	a	a	DET
easat-1581	137	16	sectoral	sectoral	ADJ
easat-1581	137	17	exposure	exposure	NOUN
easat-1581	137	18	to	to	ADP
easat-1581	137	19	such	such	ADJ
easat-1581	137	20	concentrating	concentrate	VERB
easat-1581	137	21	portfolio	portfolio	NOUN
easat-1581	137	22	in	in	ADP
easat-1581	137	23	order	order	NOUN
easat-1581	137	24	to	to	PART
easat-1581	137	25	avoid	avoid	VERB
easat-1581	137	26	any	any	DET
easat-1581	137	27	kind	kind	NOUN
easat-1581	137	28	of	of	ADP
easat-1581	137	29	sectoral	sectoral	ADJ
easat-1581	137	30	failures	failure	NOUN
easat-1581	137	31	.	.	PUNCT
easat-1581	138	1	also	also	ADV
easat-1581	138	2	banks	bank	NOUN
easat-1581	138	3	need	need	VERB
easat-1581	138	4	to	to	PART
easat-1581	138	5	advance	advance	VERB
easat-1581	138	6	on	on	ADP
easat-1581	138	7	other	other	ADJ
easat-1581	138	8	retails	retail	NOUN
easat-1581	138	9	products	product	NOUN
easat-1581	138	10	than	than	ADP
easat-1581	138	11	concentrating	concentrate	VERB
easat-1581	138	12	on	on	ADP
easat-1581	138	13	a	a	DET
easat-1581	138	14	single	single	ADJ
easat-1581	138	15	product	product	NOUN
easat-1581	138	16	in	in	ADP
easat-1581	138	17	the	the	DET
easat-1581	138	18	name	name	NOUN
easat-1581	138	19	of	of	ADP
easat-1581	138	20	profit	profit	NOUN
easat-1581	138	21	generation	generation	NOUN
easat-1581	138	22	.	.	PUNCT
easat-1581	139	1	in	in	ADP
easat-1581	139	2	case	case	NOUN
easat-1581	139	3	of	of	ADP
easat-1581	139	4	unsecured	unsecured	ADJ
easat-1581	139	5	loans	loan	NOUN
easat-1581	139	6	if	if	SCONJ
easat-1581	139	7	the	the	DET
easat-1581	139	8	defaulter	defaulter	NOUN
easat-1581	139	9	made	make	VERB
easat-1581	139	10	the	the	DET
easat-1581	139	11	dues	due	NOUN
easat-1581	139	12	intentionally	intentionally	ADV
easat-1581	139	13	,	,	PUNCT
easat-1581	139	14	criminal	criminal	ADJ
easat-1581	139	15	action	action	NOUN
easat-1581	139	16	to	to	PART
easat-1581	139	17	be	be	AUX
easat-1581	139	18	taken	take	VERB
easat-1581	139	19	against	against	ADP
easat-1581	139	20	the	the	DET
easat-1581	139	21	borrower	borrower	NOUN
easat-1581	139	22	than	than	ADP
easat-1581	139	23	filing	file	VERB
easat-1581	139	24	civil	civil	ADJ
easat-1581	139	25	suit	suit	NOUN
easat-1581	139	26	and	and	CCONJ
easat-1581	139	27	revenue	revenue	NOUN
easat-1581	139	28	recovery	recovery	NOUN
easat-1581	139	29	actions	action	NOUN
easat-1581	139	30	since	since	SCONJ
easat-1581	139	31	the	the	DET
easat-1581	139	32	banks	bank	NOUN
easat-1581	139	33	credit	credit	NOUN
easat-1581	139	34	is	be	AUX
easat-1581	139	35	public	public	ADJ
easat-1581	139	36	money	money	NOUN
easat-1581	139	37	and	and	CCONJ
easat-1581	139	38	non	non	NOUN
easat-1581	139	39	-	-	NOUN
easat-1581	139	40	repayment	repayment	NOUN
easat-1581	139	41	of	of	ADP
easat-1581	139	42	dues	due	NOUN
easat-1581	139	43	is	be	AUX
easat-1581	139	44	a	a	DET
easat-1581	139	45	crime	crime	NOUN
easat-1581	139	46	against	against	ADP
easat-1581	139	47	the	the	DET
easat-1581	139	48	society	society	NOUN
easat-1581	139	49	and	and	CCONJ
easat-1581	139	50	nations	nation	NOUN
easat-1581	139	51	well	well	ADV
easat-1581	139	52	-	-	PUNCT
easat-1581	139	53	being	being	NOUN
easat-1581	139	54	.	.	PUNCT
easat-1581	140	1	7	7	X
easat-1581	140	2	.	.	X
easat-1581	140	3	conclusion	conclusion	NOUN
easat-1581	140	4	it	it	PRON
easat-1581	140	5	is	be	AUX
easat-1581	140	6	always	always	ADV
easat-1581	140	7	better	well	ADJ
easat-1581	140	8	to	to	PART
easat-1581	140	9	grant	grant	VERB
easat-1581	140	10	loans	loan	NOUN
easat-1581	140	11	to	to	ADP
easat-1581	140	12	those	those	DET
easat-1581	140	13	sectors	sector	NOUN
easat-1581	140	14	which	which	PRON
easat-1581	140	15	have	have	VERB
easat-1581	140	16	regular	regular	ADJ
easat-1581	140	17	cash	cash	NOUN
easat-1581	140	18	flow	flow	NOUN
easat-1581	140	19	and	and	CCONJ
easat-1581	140	20	business	business	NOUN
easat-1581	140	21	income	income	NOUN
easat-1581	140	22	flow	flow	NOUN
easat-1581	140	23	like	like	ADP
easat-1581	140	24	salaried	salary	VERB
easat-1581	140	25	people	people	NOUN
easat-1581	140	26	and	and	CCONJ
easat-1581	140	27	high	high	ADJ
easat-1581	140	28	rated	rate	VERB
easat-1581	140	29	companies	company	NOUN
easat-1581	140	30	/	/	SYM
easat-1581	140	31	firms	firm	NOUN
easat-1581	140	32	.	.	PUNCT
easat-1581	141	1	hence	hence	ADV
easat-1581	141	2	proper	proper	ADJ
easat-1581	141	3	analysis	analysis	NOUN
easat-1581	141	4	of	of	ADP
easat-1581	141	5	income	income	NOUN
easat-1581	141	6	generation	generation	NOUN
easat-1581	141	7	sources	source	NOUN
easat-1581	141	8	both	both	CCONJ
easat-1581	141	9	for	for	ADP
easat-1581	141	10	present	present	ADJ
easat-1581	141	11	and	and	CCONJ
easat-1581	141	12	future	future	ADJ
easat-1581	141	13	period	period	NOUN
easat-1581	141	14	is	be	AUX
easat-1581	141	15	necessary	necessary	ADJ
easat-1581	141	16	.	.	PUNCT
easat-1581	142	1	adequate	adequate	ADJ
easat-1581	142	2	margin	margin	NOUN
easat-1581	142	3	and	and	CCONJ
easat-1581	142	4	exposure	exposure	NOUN
easat-1581	142	5	limit	limit	NOUN
easat-1581	142	6	need	need	VERB
easat-1581	142	7	to	to	PART
easat-1581	142	8	fix	fix	VERB
easat-1581	142	9	in	in	ADP
easat-1581	142	10	case	case	NOUN
easat-1581	142	11	any	any	DET
easat-1581	142	12	risk	risk	NOUN
easat-1581	142	13	is	be	AUX
easat-1581	142	14	found	find	VERB
easat-1581	142	15	to	to	PART
easat-1581	142	16	be	be	AUX
easat-1581	142	17	occurred	occur	VERB
easat-1581	142	18	in	in	ADP
easat-1581	142	19	future	future	ADJ
easat-1581	142	20	time	time	NOUN
easat-1581	142	21	.	.	PUNCT
easat-1581	143	1	the	the	DET
easat-1581	143	2	urban	urban	ADJ
easat-1581	143	3	branches	branch	NOUN
easat-1581	143	4	have	have	AUX
easat-1581	143	5	given	give	VERB
easat-1581	143	6	huge	huge	ADJ
easat-1581	143	7	loans	loan	NOUN
easat-1581	143	8	to	to	ADP
easat-1581	143	9	construction	construction	NOUN
easat-1581	143	10	sector	sector	NOUN
easat-1581	143	11	which	which	PRON
easat-1581	143	12	is	be	AUX
easat-1581	143	13	under	under	ADP
easat-1581	143	14	stress	stress	NOUN
easat-1581	143	15	now	now	ADV
easat-1581	143	16	.	.	PUNCT
easat-1581	144	1	hence	hence	ADV
easat-1581	144	2	banks	bank	NOUN
easat-1581	144	3	need	need	VERB
easat-1581	144	4	to	to	PART
easat-1581	144	5	re	re	VERB
easat-1581	144	6	-	-	VERB
easat-1581	144	7	consider	consider	VERB
easat-1581	144	8	the	the	DET
easat-1581	144	9	sector	sector	NOUN
easat-1581	144	10	-	-	PUNCT
easat-1581	144	11	wise	wise	ADJ
easat-1581	144	12	portfolio	portfolio	NOUN
easat-1581	144	13	of	of	ADP
easat-1581	144	14	credit	credit	NOUN
easat-1581	144	15	and	and	CCONJ
easat-1581	144	16	re	re	AUX
easat-1581	144	17	fix	fix	VERB
easat-1581	144	18	the	the	DET
easat-1581	144	19	margin	margin	NOUN
easat-1581	144	20	and	and	CCONJ
easat-1581	144	21	recovery	recovery	NOUN
easat-1581	144	22	measures	measure	NOUN
easat-1581	144	23	.	.	PUNCT
easat-1581	145	1	also	also	ADV
easat-1581	145	2	some	some	DET
easat-1581	145	3	banks	bank	NOUN
easat-1581	145	4	are	be	AUX
easat-1581	145	5	monopolized	monopolize	VERB
easat-1581	145	6	by	by	ADP
easat-1581	145	7	gold	gold	NOUN
easat-1581	145	8	loan	loan	NOUN
easat-1581	145	9	portfolios	portfolio	NOUN
easat-1581	145	10	’	'	PUNCT
easat-1581	145	11	rbi	rbi	NOUN
easat-1581	145	12	need	need	VERB
easat-1581	145	13	to	to	PART
easat-1581	145	14	fix	fix	VERB
easat-1581	145	15	a	a	DET
easat-1581	145	16	sector	sector	NOUN
easat-1581	145	17	-	-	PUNCT
easat-1581	145	18	wise	wise	ADJ
easat-1581	145	19	exposure	exposure	NOUN
easat-1581	145	20	to	to	ADP
easat-1581	145	21	such	such	ADJ
easat-1581	145	22	concentrating	concentrate	VERB
easat-1581	145	23	portfolio	portfolio	NOUN
easat-1581	145	24	in	in	ADP
easat-1581	145	25	order	order	NOUN
easat-1581	145	26	to	to	PART
easat-1581	145	27	avoid	avoid	VERB
easat-1581	145	28	any	any	DET
easat-1581	145	29	kind	kind	NOUN
easat-1581	145	30	of	of	ADP
easat-1581	145	31	sector	sector	NOUN
easat-1581	145	32	-	-	PUNCT
easat-1581	145	33	wise	wise	ADJ
easat-1581	145	34	failures	failure	NOUN
easat-1581	145	35	.	.	PUNCT
easat-1581	146	1	also	also	ADV
easat-1581	146	2	banks	bank	NOUN
easat-1581	146	3	need	need	VERB
easat-1581	146	4	to	to	PART
easat-1581	146	5	focus	focus	VERB
easat-1581	146	6	on	on	ADP
easat-1581	146	7	diversified	diversified	ADJ
easat-1581	146	8	retail	retail	ADJ
easat-1581	146	9	products	product	NOUN
easat-1581	146	10	than	than	ADP
easat-1581	146	11	concentrating	concentrate	VERB
easat-1581	146	12	on	on	ADP
easat-1581	146	13	a	a	DET
easat-1581	146	14	single	single	ADJ
easat-1581	146	15	product	product	NOUN
easat-1581	146	16	for	for	ADP
easat-1581	146	17	earning	earn	VERB
easat-1581	146	18	high	high	ADJ
easat-1581	146	19	interest	interest	NOUN
easat-1581	146	20	income	income	NOUN
easat-1581	146	21	.	.	PUNCT
easat-1581	147	1	it	it	PRON
easat-1581	147	2	is	be	AUX
easat-1581	147	3	concluded	conclude	VERB
easat-1581	147	4	that	that	SCONJ
easat-1581	147	5	new	new	ADJ
easat-1581	147	6	generation	generation	NOUN
easat-1581	147	7	banks	bank	NOUN
easat-1581	147	8	are	be	AUX
easat-1581	147	9	at	at	ADP
easat-1581	147	10	better	well	ADJ
easat-1581	147	11	position	position	NOUN
easat-1581	147	12	in	in	ADP
easat-1581	147	13	the	the	DET
easat-1581	147	14	npa	npa	NOUN
easat-1581	147	15	management	management	NOUN
easat-1581	147	16	and	and	CCONJ
easat-1581	147	17	the	the	DET
easat-1581	147	18	old	old	ADJ
easat-1581	147	19	generation	generation	NOUN
easat-1581	147	20	banks	bank	NOUN
easat-1581	147	21	must	must	AUX
easat-1581	147	22	adopt	adopt	VERB
easat-1581	147	23	technology	technology	NOUN
easat-1581	147	24	in	in	ADP
easat-1581	147	25	credit	credit	NOUN
easat-1581	147	26	management	management	NOUN
easat-1581	147	27	to	to	PART
easat-1581	147	28	mitigate	mitigate	VERB
easat-1581	147	29	the	the	DET
easat-1581	147	30	risk	risk	NOUN
easat-1581	147	31	arise	arise	NOUN
easat-1581	147	32	from	from	ADP
easat-1581	147	33	npa	npa	PROPN
easat-1581	147	34	.	.	PUNCT
easat-1581	148	1	copyright	copyright	NOUN
easat-1581	148	2	:	:	PUNCT
easat-1581	149	1	©	©	PROPN
easat-1581	149	2	2024	2024	NUM
easat-1581	149	3	by	by	ADP
easat-1581	149	4	the	the	DET
easat-1581	149	5	authors	author	NOUN
easat-1581	149	6	.	.	PUNCT
easat-1581	150	1	this	this	DET
easat-1581	150	2	article	article	NOUN
easat-1581	150	3	is	be	AUX
easat-1581	150	4	an	an	DET
easat-1581	150	5	open	open	ADJ
easat-1581	150	6	access	access	NOUN
easat-1581	150	7	article	article	NOUN
easat-1581	150	8	distributed	distribute	VERB
easat-1581	150	9	under	under	ADP
easat-1581	150	10	the	the	DET
easat-1581	150	11	terms	term	NOUN
easat-1581	150	12	and	and	CCONJ
easat-1581	150	13	conditions	condition	NOUN
easat-1581	150	14	of	of	ADP
easat-1581	150	15	the	the	DET
easat-1581	150	16	creative	creative	ADJ
easat-1581	150	17	commons	common	NOUN
easat-1581	150	18	attribution	attribution	NOUN
easat-1581	150	19	(	(	PUNCT
easat-1581	150	20	cc	cc	NOUN
easat-1581	150	21	by	by	ADP
easat-1581	150	22	)	)	PUNCT
easat-1581	150	23	license	license	NOUN
easat-1581	150	24	(	(	PUNCT
easat-1581	150	25	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-1581	150	26	)	)	PUNCT
easat-1581	150	27	.	.	PUNCT
easat-1581	151	1	references	reference	NOUN
easat-1581	151	2	[	[	X
easat-1581	151	3	1	1	NUM
easat-1581	151	4	]	]	X
easat-1581	151	5	chipalkatti	chipalkatti	PROPN
easat-1581	151	6	,	,	PUNCT
easat-1581	151	7	n.	n.	NOUN
easat-1581	151	8	,	,	PUNCT
easat-1581	151	9	&	&	CCONJ
easat-1581	151	10	rishi	rishi	PROPN
easat-1581	151	11	,	,	PUNCT
easat-1581	151	12	m.	m.	NOUN
easat-1581	151	13	(	(	PUNCT
easat-1581	151	14	2007	2007	NUM
easat-1581	151	15	)	)	PUNCT
easat-1581	151	16	.	.	PUNCT
easat-1581	152	1	do	do	AUX
easat-1581	152	2	indian	indian	PROPN
easat-1581	152	3	banks	bank	NOUN
easat-1581	152	4	understate	understate	VERB
easat-1581	152	5	their	their	PRON
easat-1581	152	6	bad	bad	ADJ
easat-1581	152	7	loans	loan	NOUN
easat-1581	152	8	?	?	PUNCT
easat-1581	153	1	the	the	DET
easat-1581	153	2	journal	journal	NOUN
easat-1581	153	3	of	of	ADP
easat-1581	153	4	developing	develop	VERB
easat-1581	153	5	areas	area	NOUN
easat-1581	153	6	,	,	PUNCT
easat-1581	153	7	40(2	40(2	NUM
easat-1581	153	8	)	)	PUNCT
easat-1581	153	9	,	,	PUNCT
easat-1581	153	10	7591	7591	NUM
easat-1581	153	11	.	.	PUNCT
easat-1581	154	1	[	[	X
easat-1581	154	2	2	2	NUM
easat-1581	154	3	]	]	PUNCT
easat-1581	154	4	munishwaran	munishwaran	NOUN
easat-1581	154	5	,	,	PUNCT
easat-1581	154	6	s.	s.	PROPN
easat-1581	154	7	(	(	PUNCT
easat-1581	154	8	2010	2010	NUM
easat-1581	154	9	)	)	PUNCT
easat-1581	154	10	.	.	PUNCT
easat-1581	155	1	npa	npa	X
easat-1581	155	2	:	:	PUNCT
easat-1581	155	3	a	a	DET
easat-1581	155	4	management	management	NOUN
easat-1581	155	5	of	of	ADP
easat-1581	155	6	state	state	PROPN
easat-1581	155	7	bank	bank	PROPN
easat-1581	155	8	group	group	NOUN
easat-1581	155	9	(	(	PUNCT
easat-1581	155	10	phd	phd	NOUN
easat-1581	155	11	thesis	thesis	NOUN
easat-1581	155	12	)	)	PUNCT
easat-1581	155	13	.	.	PUNCT
easat-1581	156	1	madurai	madurai	PROPN
easat-1581	156	2	kamaraj	kamaraj	ADJ
easat-1581	156	3	university	university	NOUN
easat-1581	156	4	.	.	PUNCT
easat-1581	157	1	[	[	X
easat-1581	157	2	3	3	X
easat-1581	157	3	]	]	X
easat-1581	157	4	hosmani	hosmani	PROPN
easat-1581	157	5	,	,	PUNCT
easat-1581	157	6	s.	s.	PROPN
easat-1581	157	7	,	,	PUNCT
easat-1581	157	8	&	&	CCONJ
easat-1581	157	9	hudagi	hudagi	PROPN
easat-1581	157	10	,	,	PUNCT
easat-1581	157	11	r.	r.	PROPN
easat-1581	157	12	(	(	PUNCT
easat-1581	157	13	2011	2011	NUM
easat-1581	157	14	)	)	PUNCT
easat-1581	157	15	.	.	PUNCT
easat-1581	158	1	unearthing	unearth	VERB
easat-1581	158	2	the	the	DET
easat-1581	158	3	epidemic	epidemic	NOUN
easat-1581	158	4	of	of	ADP
easat-1581	158	5	non	non	ADJ
easat-1581	158	6	-	-	ADJ
easat-1581	158	7	performing	perform	VERB
easat-1581	158	8	assets	asset	NOUN
easat-1581	158	9	with	with	ADP
easat-1581	158	10	reference	reference	NOUN
easat-1581	158	11	to	to	ADP
easat-1581	158	12	public	public	ADJ
easat-1581	158	13	sector	sector	NOUN
easat-1581	158	14	banks	bank	NOUN
easat-1581	158	15	in	in	ADP
easat-1581	158	16	india	india	PROPN
easat-1581	158	17	.	.	PUNCT
easat-1581	159	1	international	international	ADJ
easat-1581	159	2	journal	journal	PROPN
easat-1581	159	3	of	of	ADP
easat-1581	159	4	multidisciplinary	multidisciplinary	ADJ
easat-1581	159	5	research	research	NOUN
easat-1581	159	6	,	,	PUNCT
easat-1581	159	7	1(8	1(8	NUM
easat-1581	159	8	)	)	PUNCT
easat-1581	159	9	,	,	PUNCT
easat-1581	159	10	issn	issn	PROPN
easat-1581	159	11	2231	2231	NUM
easat-1581	159	12	-	-	SYM
easat-1581	159	13	5780	5780	NUM
easat-1581	159	14	.	.	PUNCT
easat-1581	160	1	[	[	X
easat-1581	160	2	4	4	NUM
easat-1581	160	3	]	]	SYM
easat-1581	160	4	kandasamy	kandasamy	NOUN
easat-1581	160	5	,	,	PUNCT
easat-1581	160	6	c.	c.	PROPN
easat-1581	160	7	(	(	PUNCT
easat-1581	160	8	2016	2016	NUM
easat-1581	160	9	)	)	PUNCT
easat-1581	160	10	.	.	PUNCT
easat-1581	161	1	a	a	DET
easat-1581	161	2	study	study	NOUN
easat-1581	161	3	on	on	ADP
easat-1581	161	4	financial	financial	ADJ
easat-1581	161	5	performance	performance	NOUN
easat-1581	161	6	of	of	ADP
easat-1581	161	7	new	new	ADJ
easat-1581	161	8	generation	generation	NOUN
easat-1581	161	9	private	private	ADJ
easat-1581	161	10	sector	sector	NOUN
easat-1581	161	11	commercial	commercial	ADJ
easat-1581	161	12	banks	bank	NOUN
easat-1581	161	13	in	in	ADP
easat-1581	161	14	india	india	PROPN
easat-1581	161	15	(	(	PUNCT
easat-1581	161	16	phd	phd	NOUN
easat-1581	161	17	thesis	thesis	NOUN
easat-1581	161	18	)	)	PUNCT
easat-1581	161	19	.	.	PUNCT
easat-1581	162	1	periyar	periyar	PROPN
easat-1581	162	2	university	university	PROPN
easat-1581	162	3	,	,	PUNCT
easat-1581	162	4	department	department	PROPN
easat-1581	162	5	of	of	ADP
easat-1581	162	6	commerce	commerce	PROPN
easat-1581	162	7	.	.	PUNCT
easat-1581	163	1	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-1581	163	2	2062	2062	NUM
easat-1581	163	3	edelweiss	edelweiss	PROPN
easat-1581	163	4	applied	apply	VERB
easat-1581	163	5	science	science	NOUN
easat-1581	163	6	and	and	CCONJ
easat-1581	163	7	technology	technology	NOUN
easat-1581	163	8	issn	issn	PROPN
easat-1581	163	9	:	:	PUNCT
easat-1581	163	10	2576	2576	NUM
easat-1581	163	11	-	-	SYM
easat-1581	163	12	8484	8484	NUM
easat-1581	163	13	vol	vol	NOUN
easat-1581	163	14	.	.	PROPN
easat-1581	163	15	8	8	NUM
easat-1581	163	16	,	,	PUNCT
easat-1581	163	17	no	no	INTJ
easat-1581	163	18	.	.	NOUN
easat-1581	163	19	4	4	NUM
easat-1581	163	20	:	:	PUNCT
easat-1581	163	21	2055	2055	NUM
easat-1581	163	22	-	-	SYM
easat-1581	163	23	2062	2062	NUM
easat-1581	163	24	,	,	PUNCT
easat-1581	163	25	2024	2024	NUM
easat-1581	163	26	doi	doi	NOUN
easat-1581	163	27	:	:	PUNCT
easat-1581	163	28	10.55214/25768484.v8i4.1581	10.55214/25768484.v8i4.1581	NUM
easat-1581	163	29	©	©	PROPN
easat-1581	163	30	2024	2024	NUM
easat-1581	163	31	by	by	ADP
easat-1581	163	32	the	the	DET
easat-1581	163	33	author	author	NOUN
easat-1581	163	34	;	;	PUNCT
easat-1581	163	35	licensee	licensee	PROPN
easat-1581	163	36	learning	learning	NOUN
easat-1581	163	37	gate	gate	NOUN
easat-1581	164	1	[	[	X
easat-1581	164	2	5	5	NUM
easat-1581	164	3	]	]	X
easat-1581	164	4	jayadev	jayadev	NOUN
easat-1581	164	5	,	,	PUNCT
easat-1581	164	6	m.	m.	NOUN
easat-1581	164	7	,	,	PUNCT
easat-1581	164	8	&	&	CCONJ
easat-1581	164	9	padma	padma	PROPN
easat-1581	164	10	,	,	PUNCT
easat-1581	164	11	n.	n.	PROPN
easat-1581	164	12	(	(	PUNCT
easat-1581	164	13	2020	2020	NUM
easat-1581	164	14	)	)	PUNCT
easat-1581	164	15	.	.	PUNCT
easat-1581	165	1	wilful	wilful	ADJ
easat-1581	165	2	defaulters	defaulter	NOUN
easat-1581	165	3	of	of	ADP
easat-1581	165	4	indian	indian	ADJ
easat-1581	165	5	banks	bank	NOUN
easat-1581	165	6	:	:	PUNCT
easat-1581	165	7	a	a	DET
easat-1581	165	8	first	first	ADJ
easat-1581	165	9	cut	cut	VERB
easat-1581	165	10	analysis	analysis	NOUN
easat-1581	165	11	.	.	PUNCT
easat-1581	166	1	iimb	iimb	PROPN
easat-1581	166	2	management	management	PROPN
easat-1581	166	3	review	review	PROPN
easat-1581	166	4	,	,	PUNCT
easat-1581	166	5	32(2	32(2	NUM
easat-1581	166	6	)	)	PUNCT
easat-1581	166	7	,	,	PUNCT
easat-1581	166	8	129	129	NUM
easat-1581	166	9	-	-	SYM
easat-1581	166	10	142	142	NUM
easat-1581	166	11	.	.	PUNCT
easat-1581	167	1	[	[	X
easat-1581	167	2	6	6	NUM
easat-1581	167	3	]	]	SYM
easat-1581	167	4	surilivel	surilivel	NOUN
easat-1581	167	5	,	,	PUNCT
easat-1581	167	6	s.	s.	PROPN
easat-1581	167	7	t.	t.	PROPN
easat-1581	167	8	(	(	PUNCT
easat-1581	167	9	2019	2019	NUM
easat-1581	167	10	)	)	PUNCT
easat-1581	167	11	.	.	PUNCT
easat-1581	168	1	a	a	DET
easat-1581	168	2	study	study	NOUN
easat-1581	168	3	on	on	ADP
easat-1581	168	4	effectiveness	effectiveness	NOUN
easat-1581	168	5	of	of	ADP
easat-1581	168	6	recovery	recovery	NOUN
easat-1581	168	7	mechanism	mechanism	NOUN
easat-1581	168	8	with	with	ADP
easat-1581	168	9	special	special	ADJ
easat-1581	168	10	focus	focus	NOUN
easat-1581	168	11	on	on	ADP
easat-1581	168	12	iob	iob	PROPN
easat-1581	168	13	.	.	PUNCT
easat-1581	169	1	restaurant	restaurant	PROPN
easat-1581	169	2	business	business	NOUN
easat-1581	169	3	,	,	PUNCT
easat-1581	169	4	15(8	15(8	NUM
easat-1581	169	5	)	)	PUNCT
easat-1581	169	6	.	.	PUNCT
easat-1581	170	1	issn	issn	PROPN
easat-1581	170	2	:	:	PUNCT
easat-1581	170	3	0097	0097	NUM
easat-1581	170	4	-	-	SYM
easat-1581	170	5	8043	8043	NUM
easat-1581	170	6	.	.	PUNCT
easat-1581	171	1	[	[	X
easat-1581	171	2	7	7	NUM
easat-1581	171	3	]	]	SYM
easat-1581	171	4	bhati	bhati	NOUN
easat-1581	171	5	,	,	PUNCT
easat-1581	171	6	g.	g.	PROPN
easat-1581	171	7	(	(	PUNCT
easat-1581	171	8	2019	2019	NUM
easat-1581	171	9	)	)	PUNCT
easat-1581	171	10	.	.	PUNCT
easat-1581	172	1	macro	macro	ADJ
easat-1581	172	2	and	and	CCONJ
easat-1581	172	3	micro	micro	ADJ
easat-1581	172	4	indicators	indicator	NOUN
easat-1581	172	5	of	of	ADP
easat-1581	172	6	npa	npa	NOUN
easat-1581	172	7	:	:	PUNCT
easat-1581	172	8	an	an	DET
easat-1581	172	9	empirical	empirical	ADJ
easat-1581	172	10	analysis	analysis	NOUN
easat-1581	172	11	of	of	ADP
easat-1581	172	12	indian	indian	ADJ
easat-1581	172	13	banks	bank	NOUN
easat-1581	172	14	.	.	PUNCT
easat-1581	173	1	journal	journal	NOUN
easat-1581	173	2	of	of	ADP
easat-1581	173	3	emerging	emerge	VERB
easat-1581	173	4	technologies	technology	NOUN
easat-1581	173	5	and	and	CCONJ
easat-1581	173	6	innovative	innovative	ADJ
easat-1581	173	7	research	research	NOUN
easat-1581	173	8	,	,	PUNCT
easat-1581	173	9	6(6	6(6	NUM
easat-1581	173	10	)	)	PUNCT
easat-1581	173	11	.	.	PUNCT
easat-1581	174	1	issn	issn	PROPN
easat-1581	174	2	:	:	PUNCT
easat-1581	174	3	2349	2349	NUM
easat-1581	174	4	-	-	SYM
easat-1581	174	5	5162	5162	NUM
easat-1581	174	6	.	.	PUNCT
easat-1581	175	1	[	[	X
easat-1581	175	2	8	8	NUM
easat-1581	175	3	]	]	SYM
easat-1581	175	4	alamelumangai	alamelumangai	PROPN
easat-1581	175	5	,	,	PUNCT
easat-1581	175	6	r.	r.	PROPN
easat-1581	175	7	,	,	PUNCT
easat-1581	175	8	&	&	CCONJ
easat-1581	175	9	sudha	sudha	PROPN
easat-1581	175	10	,	,	PUNCT
easat-1581	175	11	b.	b.	PROPN
easat-1581	175	12	(	(	PUNCT
easat-1581	175	13	2019	2019	NUM
easat-1581	175	14	)	)	PUNCT
easat-1581	175	15	.	.	PUNCT
easat-1581	176	1	recovery	recovery	NOUN
easat-1581	176	2	of	of	ADP
easat-1581	176	3	npas	npas	NOUN
easat-1581	176	4	through	through	ADP
easat-1581	176	5	debt	debt	NOUN
easat-1581	176	6	recovery	recovery	NOUN
easat-1581	176	7	channels	channel	NOUN
easat-1581	176	8	in	in	ADP
easat-1581	176	9	indian	indian	ADJ
easat-1581	176	10	banks	bank	NOUN
easat-1581	176	11	-	-	PUNCT
easat-1581	176	12	an	an	DET
easat-1581	176	13	analysis	analysis	NOUN
easat-1581	176	14	.	.	PUNCT
easat-1581	177	1	restaurant	restaurant	NOUN
easat-1581	177	2	business	business	NOUN
easat-1581	177	3	,	,	PUNCT
easat-1581	177	4	15(8	15(8	NUM
easat-1581	177	5	)	)	PUNCT
easat-1581	177	6	,	,	PUNCT
easat-1581	177	7	245	245	NUM
easat-1581	177	8	-	-	SYM
easat-1581	177	9	254	254	NUM
easat-1581	177	10	.	.	PUNCT
easat-1581	178	1	[	[	X
easat-1581	178	2	9	9	NUM
easat-1581	178	3	]	]	PUNCT
easat-1581	178	4	tensing	tensing	NOUN
easat-1581	178	5	,	,	PUNCT
easat-1581	178	6	e.	e.	PROPN
easat-1581	178	7	,	,	PUNCT
easat-1581	178	8	&	&	CCONJ
easat-1581	178	9	suresh	suresh	PROPN
easat-1581	178	10	,	,	PUNCT
easat-1581	178	11	b.	b.	PROPN
easat-1581	178	12	(	(	PUNCT
easat-1581	178	13	2019	2019	NUM
easat-1581	178	14	)	)	PUNCT
easat-1581	178	15	.	.	PUNCT
easat-1581	179	1	a	a	DET
easat-1581	179	2	study	study	NOUN
easat-1581	179	3	on	on	ADP
easat-1581	179	4	the	the	DET
easat-1581	179	5	impact	impact	NOUN
easat-1581	179	6	of	of	ADP
easat-1581	179	7	ibc	ibc	PROPN
easat-1581	179	8	2016	2016	NUM
easat-1581	179	9	on	on	ADP
easat-1581	179	10	indian	indian	ADJ
easat-1581	179	11	commercial	commercial	ADJ
easat-1581	179	12	banks	bank	NOUN
easat-1581	179	13	.	.	PUNCT
easat-1581	180	1	journal	journal	NOUN
easat-1581	180	2	of	of	ADP
easat-1581	180	3	emerging	emerge	VERB
easat-1581	180	4	technologies	technology	NOUN
easat-1581	180	5	and	and	CCONJ
easat-1581	180	6	innovative	innovative	ADJ
easat-1581	180	7	research	research	NOUN
easat-1581	180	8	,	,	PUNCT
easat-1581	180	9	6(6	6(6	NUM
easat-1581	180	10	)	)	PUNCT
easat-1581	180	11	.	.	PUNCT
easat-1581	181	1	issn	issn	PROPN
easat-1581	181	2	:	:	PUNCT
easat-1581	181	3	2349	2349	NUM
easat-1581	181	4	-	-	SYM
easat-1581	181	5	5162	5162	NUM
easat-1581	181	6	.	.	PUNCT